Amy Fontinelle

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  1. Credit & Loans

    Will getting a student loan deferral hurt my credit score?

    You may not be able to afford to pay your student loans, but the long-term consequence to your credit score be disastrous.
  2. Credit & Loans

    How does bouncing a check affect my credit score?

    Learn the many indirect effects on your credit score when you bounce a check.
  3. Professionals

    The Best Financial Careers For Women

    Here are four finance careers that real women say allow them to achieve success, satisfaction and work-life balance.
  4. Taxes

    Who's required to fill out a Schedule C IRS form?

    Find out if you're required to use a IRS Schedule C form when completing your tax return this year.
  5. Retirement

    Can I take money out of my Individual Retirement Account ...

    Can I take money out of my IRA plan if I'm still working? Yes, you can take money out of your IRA plan if you’re still working, but you may not want to for three main reasons. The first is the ...
  6. Credit & Loans

    Will having several credit cards hurt my credit score?

    The manner in which you use your credit cards may affect your credit score more than the number of credit cards you own will.
  7. Home & Auto

    Selling Your House? Avoid These Mistakes

    Don't put the sale of your home at risk by committing one of these dirty deeds.
  8. Home & Auto

    Do-It-Yourself Projects To Boost Home Value

    These simple projects can add value to your property without taking too much out of your wallet.
  9. Why do you need to fill out a W-4 form and what does the IRS do with it?
    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?
  10. Your step-by-step guide to making sure your employer reports your income correctly to the IRS from your first day on the job.
    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.
  11. 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.
  12. 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.
  13. 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.
  14. Is saving the seller's side of the agent's commission worth the trouble of selling your home without one?
    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.
  15. 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 ...
  16. 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.
  17. 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 ...
  18. 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.
  19. Economics

    Fiscal Deficit

    A shortfall that occurs when government spending exceeds government revenues, or taxes.
  20. It's easy to make money from credit card sign-up bonuses, but you have to know what you're getting into.
    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.
  21. Term

    To Fund

    A type of target-date retirement fund whose asset allocation becomes most conservative at the fund's target date.
  22. 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.
  23. Saving for retirement is completely different if you have a Millennial mindset. These retirement plans will turn your head around.
    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.
  24. 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.
  25. Term

    Performance Appraisal

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

    Mortgage Modification

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

    Insurable Interest

    An economic stake in an event for which an insurance policy is purchased to mitigate risk of loss.
  28. 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.
  29. 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.
  30. Term

    USDA

    A department of the United States government that manages various programs related to food, agriculture, natural resources, rural development and nutrition.
  31. 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.
  32. 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.
  33. If you don't tell potential buyers about these situations and possible hazards, you could find yourself in court.
    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.
  34. 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.
  35. Investing Basics

    Customer Information File - CIF

    A customer information file is a collection of data about a bank or credit union patron.
  36. Investing Basics

    Floating Stock

    Floating stock is the number of a company’s shares that are available for the public to buy and sell.
  37. 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 ...
  38. 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.
  39. 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 ...
  40. 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), ...
  41. 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 ...
  42. 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 ...
  43. 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 ...
  44. 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 ...
  45. 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 ...
  46. Investing Basics

    Bull Market

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

    No-Appraisal Loan

    A mortgage that does not require an appraisal of the property’s current market value.
  48. 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 ...
  49. 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.
  50. 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 ...
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