Amy Fontinelle

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  1. The Purpose Of The IRS W-4 Form
    Taxes

    The Purpose Of The IRS W-4 Form

    Why do you need to fill out a W-4 form and what does the IRS do with it?
  2. Filling Out Your W-4 Form
    Taxes

    Filling Out Your W-4 Form

    Your step-by-step guide to making sure your employer reports your tax withholding correctly to the IRS from your first day on the job.
  3. What are the benefits of splitting my tax refund?
    Taxes

    What are the benefits of splitting my tax refund?

    If you receive a refund when you file your tax return, there are some convenient options you can take advantage of.
  4. How do I get a split tax refund?
    Taxes

    How do I get a split tax refund?

    You don't have to receive your tax refund in a lump sum. Learn the options you have for splitting the money the IRS owes you.
  5. Level Death Benefit
    Term

    Level Death Benefit

    A life insurance payout that is the same whether the insured person dies shortly after purchasing the policy or many years later.
  6. 8 Reasons Not To Sell Your Home Without An Agent
    Home & Auto

    8 Reasons Not To Sell Your Home Without An Agent

    Is saving the seller's side of the agent's commission worth the trouble of selling your home without one? Why it could cost you more in the end.
  7. Can moving to a higher tax bracket cause me to have a lower ...
    Taxes

    Can moving to a higher tax bracket cause me to have a lower ...

    Many people think that when their income increases by enough to push them into a higher tax bracket, their overall take-home pay, or net pay, will decrease. This assumption is incorrect. Because the United ...
  8. What's a better way to borrow money: overdraft or credit ...
    Savings

    What's a better way to borrow money: overdraft or credit ...

    Overdraft and credit cards will allow you to spend more money than you have, but whichever option you choose, be sure to make your payments on time.
  9. What are the pros and cons of overdraft protection?
    Credit & Loans

    What are the pros and cons of overdraft protection?

    If you sign up for overdraft protection and link your checking account to your savings account, a credit card or an overdraft line of credit, the bank will use that linked backup source to fund transactions ...
  10. Current Account Deficit
    Economics

    Current Account Deficit

    A current account deficit occurs when a country spends more money on the goods and services it imports than it receives for the goods and services it exports.
  11. Fiscal Deficit
    Economics

    Fiscal Deficit

    A shortfall that occurs when government spending exceeds government revenues, or taxes.
  12. Make Money Off Credit Card Sign-Up Bonuses
    Credit & Loans

    Make Money Off Credit Card Sign-Up Bonuses

    It's easy to benefit from credit card sign-up bonuses, but you have to know what you're getting into.
  13. To Fund
    Term

    To Fund

    A type of target-date retirement fund whose asset allocation becomes most conservative at the fund's target date.
  14. Through Fund
    Term

    Through Fund

    A type of target-date retirement fund whose asset allocation includes higher risk and potentially higher return investments "through" the fund's target date and beyond.
  15. Retirement Planning The Millennial Way
    Retirement

    Retirement Planning The Millennial Way

    Saving for retirement is completely different if you have a Millennial mindset. These retirement plans will turn your head around.
  16. Leveraged Benefits
    Term

    Leveraged Benefits

    The use – by a business owner or professional practitioner – of their company’s receivables or current income to secure a loan whose proceeds then indirectly fund a retirement plan.
  17. Performance Appraisal
    Term

    Performance Appraisal

    An annual review of an employee’s overall contributions to the company by his or her manager.
  18. Mortgage Modification
    Term

    Mortgage Modification

    A permanent change in a homeowner's home loan terms that makes the monthly loan payments affordable.
  19. Insurable Interest
    Term

    Insurable Interest

    An economic stake in an event for which an insurance policy is purchased to mitigate risk of loss.
  20. Warranty of Title
    Term

    Warranty of Title

    A guarantee by a seller to a buyer that the seller has the right to transfer ownership and that no one else has rights to the property.
  21. Medicare Advantage
    Term

    Medicare Advantage

    Hospital and medical insurance provided by private companies rather than the federal government to senior citizens and others who qualify for Medicare.
  22. USDA
    Term

    USDA

    A department of the United States government that manages various programs related to food, agriculture, natural resources, rural development and nutrition.
  23. Gray Charges
    Term

    Gray Charges

    Fees consumers pay via credit card or debit card for unwanted subscription services that are automatically renewed or that are automatically converted from a free trial to a paid subscription.
  24. Warranty Deed
    Term

    Warranty Deed

    A type of document that may be used to legally transfer property. A warranty deed states that the owner can legally transfer the property and that no other entity has a claim or lien on it.
  25. Real Estate Flipping: 8 Disclosures You Must Make
    Home & Auto

    Real Estate Flipping: 8 Disclosures You Must Make

    If you don't tell potential buyers about these situations and possible hazards, you could find yourself in court. Here's how to profit – and stay out of trouble.
  26. Guaranteed Issue Life Insurance
    Term

    Guaranteed Issue Life Insurance

    A type of financial-protection policy that provides cash to a named beneficiary upon the insured's death, which an insurance company will offer to an applicant regardless of health.
  27. Floating Stock
    Investing Basics

    Floating Stock

    Floating stock is the number of a company’s shares that are available for the public to buy and sell.
  28. Customer Information File - CIF
    Investing Basics

    Customer Information File - CIF

    A customer information file is a collection of data about a bank or credit union patron.
  29. Bear Market
    Economics

    Bear Market

    A financial market with declining asset prices fueled by investors’ pessimism, lack of confidence and negative expectations. While bear markets are partly based on actual investment performance, they are ...
  30. Term

    Proof of Charitable Contributions

    Substantiation required by the Internal Revenue Service for a taxpayer to claim a donation of money, property or financial assets as an itemizable federal income tax deduction.
  31. Term

    Quid Pro Quo Contribution

    A charitable donation for which the donor receives something from the recipient in exchange. A quid pro quo contribution has different rules for federal income tax deductibility than a regular charitable ...
  32. Term

    Rent Regulation

    A law that limits the amount and frequency with which landlords can increase the rents they charge their tenants. Rent regulation may also tell landlords when they can increase rents (e.g., every September), ...
  33. Term

    No-Appraisal Mortgage

    A type of home loan used for refinancing for which the lender does not require an independent opinion of the property's current, fair market value. A no-appraisal mortgage does not consider for how much ...
  34. Term

    No-Appraisal Refinancing

    A type of mortgage for which the lender does not require an independent, professional opinion of the home's value as a condition of extending a homeowner a new mortgage with more favorable terms to replace ...
  35. Quitclaim Deed
    Term

    Quitclaim Deed

    A deed releasing a person's interest in a property without stating the nature of the person's interest or rights, and with no warranties of ownership. While a quitclaim deed neither warrants nor professes ...
  36. Term

    Insurance Company Credit Rating

    The opinion of an independent agency regarding the financial strength of an insurance company. An insurance company's credit rating indicates its ability to pay policyholders' claims. It does not indicate ...
  37. Treasury Direct
    Term

    Treasury Direct

    The online market where investors can purchase federal government securities directly from the U.S. Treasury. Treasury Direct sells Treasury bills, notes, bonds, Treasury inflation-protected securities ...
  38. Bull Market
    Investing Basics

    Bull Market

    A financial market with rising asset prices fueled by investors’ optimism, confidence and expectations.
  39. Term

    No-Appraisal Loan

    A mortgage that does not require an appraisal of the property’s current market value.
  40. Term

    Corporate Credit Rating

    The opinion of an independent agency regarding the likelihood that a corporation will fully meet its financial obligations as they come due. A company's corporate credit rating indicates its ability to ...
  41. Term

    Drawdown Percentage

    The portion of a retirement account that a retiree withdraws each year. If the drawdown percentage is too high, the retiree will outlive her savings and struggle financially at the end of her life.
  42. Term

    Credit Card Teaser Rate

    A lower-than-normal interest rate that a credit card company extends to a new cardholder for a fixed period. Credit card teaser rates are a tool for attracting new customers. The best possible teaser rate ...
  43. Monetary Policy
    Economics

    Monetary Policy

    Monetary policy is a central bank’s actions that influence the country’s money supply and the overall economy.
  44. Debt Consolidation
    Term

    Debt Consolidation

    The act of combining several loans or liabilities into one loan. Debt consolidation involves taking out a new loan to pay off a number of other debts. Most people who consolidate their debt usually do ...
  45. Term

    Private Mortgage Insurance - PMI

    A policy provided by private mortgage insurers to protect lenders against loss if a borrower defaults. Most lenders require PMI for loans with loan-to-value (LTV) percentages in excess of 80%. This allows ...
  46. Home Improvements That Really Pay Off
    Home & Auto

    Home Improvements That Really Pay Off

    Before you invest the cash from your home equity loan in a sunroom or a high-end master suite, take heed: The renovations that pay off most aren't the glamorous ones.
  47. How To Earn The Most From CDs When Interest Rates Are Low
    Bonds & Fixed Income

    How To Earn The Most From CDs When Interest Rates Are Low

    Certificates of deposit might not seem like a good place to keep your money when interest rates are low, but they do offer security and stability. And with laddering and studying promotional rates, you ...
  48. Amortization
    Term

    Amortization

    1. The paying off of debt in regular installments over a period of time. 2. The deduction of capital expenses over a specific period of time (usually over the asset's life). More specifically, this method ...
  49. Term

    Foreclosure - FCL

    A situation in which a homeowner is unable to make principal and/or interest payments on his or her mortgage, allowing the lender to seize and sell the property as stipulated by the mortgage contract. ...
  50. Investing Basics

    Do U.S. High Corporate Tax Rates Hurt Americans?

    The United States has the highest corporate tax rate of the 34 developed, free-market nations that make up the Organization for Economic Cooperation and Development (OECD).
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