How to Make Estimated Tax Payments: A Guide for Self-Employed Individuals
If you are self-employed, it’s likely that you will need to make estimated tax payments throughout the year. Unlike traditional employees who have taxes withheld from their paychecks, self-employed individuals are responsible for paying their taxes directly to the IRS. In this article, we’ll go over the basics of estimated tax payments and provide you…
5 Key Questions to Ask Your Financial Advisor
When it comes to managing your finances, it’s important to have a good financial advisor by your side. A financial advisor can help you make important financial decisions, create a plan for your financial future, and provide guidance on investments and other financial matters. But not all financial advisors are created equal, and it’s important…
A Guide to the Best Parent Loans for College
College education is expensive, and many parents struggle to cover the cost of tuition, room and board, and other expenses. If you’re a parent of a college-bound student, you may be considering taking out a loan to help pay for their education. Here’s a guide to the best parent loans for college. Federal Parent PLUS…
How to Use a Home Equity Loan to Pay Off Debt
If you’re struggling with high-interest debt, such as credit cards or personal loans, you may be considering taking out a home equity loan to consolidate your debt. A home equity loan allows you to borrow against the equity in your home and use the funds to pay off other debts. Here’s what you need to…
The Pros and Cons of Sectoral Bargaining: A Comprehensive Guide
Sectoral bargaining, also known as industry-wide bargaining, is a labor negotiation process where representatives from different unions and employers in a specific industry come together to negotiate wages, benefits, and working conditions for all employees within the sector. While this approach to collective bargaining has been utilized in some countries for decades, it is relatively…
How to Find a BIPOC Financial Advisor or Planner
Financial planning can be a challenging and often confusing process, especially for individuals who belong to marginalized communities. Historically, the financial planning industry has been dominated by white professionals, leaving many Black, Indigenous, and People of Color (BIPOC) without access to adequate financial advice. However, finding a BIPOC financial advisor or planner can be a…
Top High-Interest Checking Accounts: Where to Keep Your Money Working Harder
When it comes to managing your finances, choosing the right checking account can make a big difference. While most traditional checking accounts offer little or no interest, high-interest checking accounts offer a more attractive option for earning interest on your deposits while still enjoying the convenience of a checking account. In this article, we’ll explore…
Understanding Banking Deserts: What They Are and Why They Matte
Access to banking services is a fundamental aspect of financial stability and economic empowerment, yet for millions of people in the United States, access to basic financial services is severely limited. These areas, where residents have little to no access to banks or financial institutions, are known as banking deserts. Banking deserts are typically found…
Understanding the Community Development Block Grant: A Catalyst for Local Development
The Community Development Block Grant (CDBG) is a federally funded program that has been instrumental in driving local development across the United States for over 45 years. Created in 1974, the program’s goal was to provide funding to local governments to address the needs of low and moderate-income individuals and neighborhoods. Since its inception, the…
Don’t Be Fooled: How to Spot Fake Money
Counterfeit money is a serious problem that affects both individuals and businesses. It can be difficult to detect, and if you accidentally accept fake money, you could suffer financial losses. Fortunately, there are ways to spot fake money if you know what to look for. In this article, we’ll provide you with some tips on…
