Where to Start If You Don’t Have Credit

Where to Start If You Don’t Have Credit

Your credit history may be the most important record of financial information that you have to your name. But what about if you have no credit history? Don’t worry: if you’re starting from scratch and you don’t have any credit to your name, there are a few simple ways to start building your credit history!

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Property Taxes: Frequently Asked Questions

Property Taxes: Frequently Asked Questions

When refinancing or purchasing a new home, one of the items that a title company researches are the property taxes. Although every homeowner pays property taxes across the county, determining your specific property taxes has many variables. These variables coincide with different aspects of your home’s location and your home’s assessed value. Depending on the taxing authority, your taxes could be determined by the city, county, school district or by all three. When you pay property tax each year, you’re paying for necessities that are provided by the city, such as police and fire department services, garbage pickup and snow removal.

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First-Time Home Buyer Q&A: How Important Is Credit When You’re Buying a Home?

First-Time Home Buyer Q&A: How Important Is Credit When You’re Buying a Home?

One of the first items addressed during the home buying process is your credit. Your credit score is an essential number that can impact whether you’ll be able to qualify for a mortgage. If your credit score falls below, 620, you’ll want to utilize some tools and programs to raise your score. As your credit score rises, different programs will allow improved and lowered interest rates for you.

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This Year, Get Tools to Manage Your Tax Expenses

This Year, Get Tools to Manage Your Tax Expenses

Tax time is looming and if you own a small business or are a single proprietor, you’re probably scrambling to get all your records straight. Are your W2s out and were they postmarked by January 31? What about 1099s to consultants to whom you paid more than $600 in 2013? They need to get a Copy C by January 31. Remember, the IRS needs to get a Copy A by February, along with the cover page, known as Form 1096. Don’t forget that consultants include LLCs, DBAs, and partnerships. Avoid this mess for 2014 by using online tools and services that make tax time much less stressful.

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