Can’t qualify for a personal loan? 4 alternatives to try

By ANNIE MILLERBERND from NerdWallet Personal loans provide fast, unsecured money that can pay off anything from home repairs to medical emergencies. Instead of asking for collateral like a house or a car, many prefer advanced lenders with strong credit and high incomes. But what if you do not meet the requirements of the lender? … Read more

Early Social Security Demands, Prepare for This Big Change in 2023

(Kylie Hagen) We’re only a few weeks away from knowing what kind of a Cost of Living Adjustment (COLA) Social Security recipients can expect in 2023. While that’s a pretty big problem, it’s not the only exciting change that’s coming to the program next year. Workers who claim Social Security early may notice a difference … Read more

Early Social Security Demands, Prepare for This Big Change in 2023

(Kylie Hagen) We’re only a few weeks away from knowing what kind of a Cost of Living Adjustment (COLA) Social Security recipients can expect in 2023. While that’s a pretty big problem, it’s not the only exciting change that’s coming to the program next year. Workers who claim Social Security early may notice a difference … Read more

Want to save $50,000? Raise your credit score

Getting a good deal on a loan or credit card largely depends on the credit score of the borrower. Certainly, this is no secret. What is surprising is the amount of money one can save by successfully boosting one’s credit score for the benefit of domain lenders. Make no mistake, the sooner you do it, … Read more

Planning to get Social Security at 62? 3 reasons to wait until age 70

(Adam Levine Weinberg) The big question for Americans nearing retirement is when to apply Social Security benefits. While the US government has set the full retirement age at 67 for people born in 1960 or later, Americans can choose to receive reduced Social Security benefits as early as 62 — or wait past the full … Read more

What Parent PLUS Borrowers Need to Know About Student Loan Forgiveness

Vinart Studio | istock | Getty Images President Joe Biden’s announcement last month that he would allow up to $20,000 in student debt to borrowers will also affect the millions of parents who have borrowed to educate their children. Debt cancellation applies to the so-called MOM PLUS Loans, federal loans that parents can get to … Read more

Decode Form 1099-K for Freelancers

1099-K: The Basics Tax season requires some planning and organization for everyone, and this is especially true when you are self-employed. On top of keeping track of business-related expenses, you’ll likely need to track income streams from several clients. Get every dollar you deserve with unlimited tax tips from experts who know self-employment taxes inside … Read more

3 Social Security Mistakes You Probably Don’t Realize You’re Making | Smart Change: Personal Finance

(Christy Pepper) Social Security is complicated. This is unfortunate, because it is likely to be a significant source of income, and you may end up costing yourself significant benefits if you do not know the rules. You don’t want to make Social Security mistakes that leave you with less financial security in your later years, … Read more

Why the $4,194 Maximum Social Security Benefit is Fancy | personal financing

(James Bromley) It may not be a huge amount of money, but it is definitely enough to live comfortably. Cashing out $4,194 Social Security checks a month translates to an income of more than $50,000 a year, which is roughly what the average American worker earns these days. Odds of You’ll Actually Earn Your Maximum … Read more