What is a W-4 Form? A Form W-4 is an IRS form that employees fill out and forward to their employers when initiating a new job. Employers use this information to gather how much tax to withhold from an employee’s paycheck through out annually. It is formerly known as Employee Withholding Certificate. How to fill […]

If you do not have a high income and you have a dream of your homeownership it is so difficult to fulfill. As the time passes these dreams are out of your hand.Home prices have been increasing 4 times faster than income according to 2023 survey. However do not be pessimistic there are plenty of

In past the super method to make a stock trade was to call a broker over the phone and request them to order for you.Now this world has become a global village thanks to internet revolution. You can purchase and sell securities online Now doing business with online stock broker is easier. However various stockbrokers

Long Term saving accounts are used to hold the money that you do not need to use any time soon.There are several types of long term saving accounts such as high yield accounts, Certificates of deposit and IRAs. These accounts is used by customer if they have a financial purpose like saving for children marriages.

A personal loan can be a healthy financial choice, in case you have plan to tour to Switzerland and credit card debt to consolidate. Personal loan are in installments so you can spread out the cost various years. These loans have lower interest rates than credit cards. The best personal loans traits are minimal fees,

Private Mortgage Insurance PMI is a policy that saves your lender in the case that you default on repaying the loan. It covers all or some part of your remaining mortgage balance and it sometime required. Private mortgage insurance has been a part of some home loans since 1957.It guarantees the lender that its loan

FDIC insurance helps you to protect your money deposit in a bank if your bank fails. However there are some coverage limits. FDIC Insurance Works If your federally insured bank fails Federal Deposit Insurance Corp. Insurance keeps your amount safe If a bank is federally insured it will have the FDIC insurance logo on its

If you desire to Pay Off your debt. There are seven tips that can help Cut Down Your Spending Every dollar matters. Cutting down spending such as online ordering lunch or buying an expensive Car. You have to set priority to give up things in order to be debt free. Stop using your credit cards

There are seven federal income tax brackets for 2022-23. In US tax rate is decide by your tax filling status and income. There are seven federal income tax rates 37%, 35%, 32% , 24%,22%, 12% and 10%. Your filling status and taxable income status decides which tax brackets and rates apply to you. The U.S.

A difficult formula determines how your social security benefits are calculated.The following factors go into the formula Inflation How long you work How much you make each year At what age you start getting your benefit Had a glance how these factors affect the benefits you will receive and how the Social Security Administration count