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Should you take your tax refund or defer it?

2022-03-14
By: Rebecca J. Sanger
On: March 14, 2022
In: Expenses method

By Ken Rosenbaum, CPA Think April 18. Imagine that you have just finished your taxes and you find out that you are going to receive a refund. What is your first reaction? Are you excited to be about to get some “free” money? Is it already burning a hole inRead More →

Your questions about money and relationships, answered by a financial advisor

2022-03-14
By: Rebecca J. Sanger
On: March 14, 2022
In: Expenses account

A financial advisor shares his best financial advice for couples. Photo: Samson Katt / Pexels They say love and money make the world go round. But put the two together and they make a confusing combination. “It’s a very common thing for couples to have problems with their finances, andRead More →

Control planned expenses with sinking funds

2022-03-12
By: Rebecca J. Sanger
On: March 12, 2022
In: Expenses account

In any given year, you probably have expenses you know are coming – holiday gifts, the family vacation you take every summer, annual homeowners association fees, or perhaps home renewals. membership. But just because these costs are predictable doesn’t mean you’re always prepared. If you’re dipping into your emergency fundRead More →

3 financial moves to make

2022-03-12
By: Rebecca J. Sanger
On: March 12, 2022
In: Expenses account

Select’s editorial team works independently to review financial products and write articles that we think our readers will find useful. We earn commission from affiliate partners on many offers, but not all offers on Select are from affiliate partners. Select a group of individuals who earn a lot of moneyRead More →

The average tax refund this year is huge. How does yours compare?

2022-03-09
By: Rebecca J. Sanger
On: March 9, 2022
In: Expenses account

Image source: Getty Images The filers recovered a large sum of money from the IRS. Key points The average tax refund this year is $658 higher than the average refund last year. If you receive a lot of money from the IRS, it’s important to develop a strategy on howRead More →

There are buckets and buckets of money

2022-03-08
By: Rebecca J. Sanger
On: March 8, 2022
In: Expenses service

In times of scarcity, thoughts and questions focus on the cash in hand and how to use it effectively. Across campuses, voters are vehemently asking, “Why are we spending money on this when we urgently need the money for ________?” or aggressively, “There’s money in those accounts! Why can’t weRead More →

Danielle Desir saves at least $1,000 in her home emergency fund

2022-03-05
By: Rebecca J. Sanger
On: March 5, 2022
In: Expenses account

Danielle Desir bought a house in her twenties and “hacked into the house” to pay her mortgage and achieve her other financial goals. She soon noticed that her house was eating up her savings with one-time emergency expenses. Now she keeps at least $1,000 in a home emergency fund specificallyRead More →

Best FSA Providers • Flexible Spending Accounts

2022-03-04
By: Rebecca J. Sanger
On: March 4, 2022
In: Expenses types

Want to jump straight to health insurance quotes? Compare here and find the cheapest premium with the best coverage. There are several ways to manage your healthcare funds, each with their own pros and cons. A flexible spending account for health careotherwise known as FSA, is an account and toolRead More →

What is a sinking fund and how to start one

2022-03-01
By: Rebecca J. Sanger
On: March 1, 2022
In: Expenses method

Editorial independence We want to help you make more informed decisions. Certain links on this page – clearly marked – may direct you to a partner website and allow us to earn a referral commission. For more information, see How we make money. When you hear the term sinking fund,Read More →

Do you owe money on your 2022 taxes? How to find it at a glance

2022-02-27
By: Rebecca J. Sanger
On: February 27, 2022
In: Expenses account

Image source: Getty Images Here’s how to raise money for the IRS. Key points If you underpaid your taxes in 2021, you will need to pay that balance to the IRS by April 18. If you don’t have that money in savings, here are some options. Tax season is nowRead More →

Additional guidance released on OTC COVID-19 testing coverage | Locke Lord LLP

2022-02-16
By: Rebecca J. Sanger
On: February 16, 2022
In: Expenses types

On February 4, 2022, the Departments of Labor, Health and Human Services and the Treasury (the “Departments”) released additional Frequently Asked Questions (FAQs) regarding Group Health Plan coverage of COVID-19 testing in free home sale. (OTC testing), with no participant cost sharing, prior authorization or medical coverage. The February FAQRead More →

Why Congressional Democrats Should Rethink Their Universal Pre-K Plan

2022-02-14
By: Rebecca J. Sanger
On: February 14, 2022
In: Expenses account

As the State of the Union Address approaches, Democrats in Congress are likely to refocus on President BidenJoe BidenCory Booker and Rosario Dawson reportedly split US estimate of Russian forces on Ukrainian border at 130,000 Harris heading to Munich at pivotal moment MOREof the Build Back Better program in hopesRead More →

Get a tax refund? Here are 6 ways to invest in yourself

2022-02-13
By: Rebecca J. Sanger
On: February 13, 2022
In: Expenses account

PM Images/Getty This story is part Taxes 2022CNET’s coverage of the best tax software and everything you need to file your return quickly, accurately and on time. Filing taxes is no fun, but getting a tax refund can be. In 2021, over 100 million refunds were processed, and refunds averagedRead More →

3 retirement accounts that circle around a 401(k)

2022-02-12
By: Rebecca J. Sanger
On: February 12, 2022
In: Expenses account

If you work for a company that offers a 401(k), you might be inclined to sign up. And if you’re offered a match with an employer, it’s definitely worth putting enough money into that plan to claim all of that free money. But you might want to think twice beforeRead More →

5 ways to use your tax refund strategically

2022-02-11
By: Rebecca J. Sanger
On: February 11, 2022
In: Expenses account

Taxpayers received an average tax refund of nearly $3,000 in 2021, according to the IRS, and there’s an opportunity to use this financial windfall to improve your financial situation. (iStock) Tax season is here, which means millions of American taxpayers could soon receive a substantial financial windfall in the formRead More →

How to apply, what you need to know

2022-02-11
By: Rebecca J. Sanger
On: February 11, 2022
In: Expenses types

Louisville is accepting applications for a pilot program which will give a group of young adults $500 a month for a year. The pilot project is modeled after similar guaranteed income programs that have sprung up in cities across the country in recent years. It was developed by Louisville MetroRead More →

8 Things People With Healthy Savings Accounts Always Do

2022-02-10
By: Rebecca J. Sanger
On: February 10, 2022
In: Expenses account

Saving Money / Savings Tips PeopleImages/iStock.com If your savings account seems thin or nonexistent, you’re definitely not alone. It has been reported that around 50% of people have less than three months of emergency savings, and a recent GOBankingRates survey found that a staggering 40% of women have less thanRead More →

Spokane County Libraries Offers Free Tax Filing Help Through The AARP Foundation Program

2022-02-09
By: Rebecca J. Sanger
On: February 9, 2022
In: Expenses method

The AARP Foundation Tax-Aide is offering free tax filing assistance at Spokane Valley, Cheney, and Moran Prairie libraries during the month of February through April. SPOKANE COUNTY, Washington – AARP Foundation Tax Assistance is back for 2022 to provide tax filing assistance at Spokane Valley, Cheney and Moran Prairie librariesRead More →

Financial Health: The Four Phases of Retirement | Local

2022-02-06
By: Rebecca J. Sanger
On: February 6, 2022
In: Expenses account

Years ago, when you brought up the concept of retirement, visions of a long and relaxing time after your career came to mind. Most people envisioned having a 20 to 30 year period filled with activities such as trips to exotic locations, days of relaxation and recreation, and time withRead More →

Consider These Types of Tax-Smart Contributions – Chillicothe News Constitution-Tribune

2022-02-05
By: Rebecca J. Sanger
On: February 5, 2022
In: Expenses types

The tax filing deadline of April 18 this year isn’t that far off, but you still have time to take steps that could positively impact your tax returns. So, you might want to consider making tax-smart contributions. You have until the April 18 filing deadline to contribute to an IRARead More →

Create an environment for automated emergency savings plans

2022-02-03
By: Rebecca J. Sanger
On: February 3, 2022
In: Expenses types

(Photo: Shutterstock) Two events occur simultaneously that cause concern. First, the volatile nature of COVID and its effects on the labor market create a situation of uncertain income flows and income gaps. Second, the need for emergency funding has become even more important in this environment – ​​something Americans haveRead More →

Free Tax Preparation Service Available for Rhode Islanders | Recent news

2022-01-30
By: Rebecca J. Sanger
On: January 30, 2022
In: Expenses service

WESTERLY — United Way of Rhode Island offers free federal and state income tax preparation to eligible Rhode Islanders through its Volunteer Income Tax Assistance Program. Staffed by volunteers trained and certified by the IRS, the program is offered in Westerly at the WARM Center, 56 Spruce St., and WesterlyRead More →

Claiming COVID costs and 4 more questions about filing your taxes this year

2022-01-28
By: Rebecca J. Sanger
On: January 28, 2022
In: Expenses account

It’s time to file your taxes, and the 2022 production season promises to be different from years past. “The big thing is that there are a ton of tax changes related to stimulus funds and other benefits that people may have received in 2021” because of the pandemic, said LynnetteRead More →

How to Invest for Your Kids, According to a CFP and Mom

2022-01-27
By: Rebecca J. Sanger
On: January 27, 2022
In: Expenses account

Editorial independence We want to help you make more informed decisions. Certain links on this page – clearly marked – may direct you to a partner website and allow us to earn a referral commission. For more information, see How we make money. As a woman of color and havingRead More →

3 questions you should ask yourself in case the stock market selloff continues in 2022

2022-01-26
By: Rebecca J. Sanger
On: January 26, 2022
In: Expenses account

The worst of Monday’s stock market sell-off saw the Nasdaq Compound down more than 15% since the start of the year (YTD), and the S&P500 enter correction territory, down more than 10% since the start of the year. Although the market made a meteoric comeback with both indexes ending forRead More →

Is reverse budgeting the right money move for you?

2022-01-26
By: Rebecca J. Sanger
On: January 26, 2022
In: Expenses account

Money / Financial Planning PeopleImages/Getty Images One of the keys to getting your spending under control — and making financial progress — is creating a monthly budget, and it’s so easy to do today. Your budget is at your fingertips, with a host of apps available to keep you onRead More →

I invest in more than one account. Here’s why you should too

2022-01-25
By: Rebecca J. Sanger
On: January 25, 2022
In: Expenses account

Image source: Getty Images It pays to spread your money. Key points Investing is a great way to grow your wealth and achieve your long-term goals. While I have some of my money in a retirement account, I also have investments in a brokerage account. Putting money in more thanRead More →

5 steps to reach your financial goals in 2022

2022-01-23
By: Rebecca J. Sanger
On: January 23, 2022
In: Expenses method

Along with the New Year bringing confetti and a new calendar, it’s time to set some big financial goals for the next 12 months. It could mean finally paying off a debt, buying a house, or taking a long-delayed vacation. With inflation and economic uncertainty clouding 2022, consolidating your financesRead More →

Totally Worth It, Week 4: Create an Emergency Fund

2022-01-22
By: Rebecca J. Sanger
On: January 22, 2022
In: Expenses types

It’s time to add a new item to your budget: your emergency fund. You’ve probably read somewhere that you should have three to six months of expenses aside. For most people, this is an astronomical amount. Don’t add up your expenses, multiply by six and settle on that number. AlmostRead More →

What kind of things do you save for? Make sure you have a welfare fund.

2022-01-18
By: Rebecca J. Sanger
On: January 18, 2022
In: Expenses account

You probably know to plan and save for big and boring expenses, i.e. financial needs. But what about fun stuff? Expenses that don’t put a roof over your head, but provide joy, rejuvenation, and other hard-to-quantify benefits are also worth saving. In fact, they deserve their own account, says DeliaRead More →

How to Open Bank Accounts for Kids

2022-01-17
By: Rebecca J. Sanger
On: January 17, 2022
In: Expenses types

Bank/cheque account Skynesher/Getty Images Opening a bank account for your child can be a great opportunity to teach them about financial literacy. It gives kids insight into the function of a bank and allows them to set monetary goals and then a budget based on what they want to achieve.Read More →

3 money management lessons I learned as a teenage business owner

2022-01-15
By: Rebecca J. Sanger
On: January 15, 2022
In: Expenses account

I wanted to channel my love of horses into a business, so I opened my own LLC as a teenager. Managing my money for a business taught me many financial lessons that I still use today. I learned a lot about tracking expenses, budgeting, and the importance of emergency funds.Read More →

The 100 Envelope Challenges: Save $ 5,000 Now

2022-01-12
By: Rebecca J. Sanger
On: January 12, 2022
In: Expenses account

Save money / Savings tips MartinPrague / Getty Images / iStockphoto Whatever your income, saving money can be difficult. For some people, staying afloat to pay monthly bills like rent, groceries, and utilities takes effort. Saving extra money on top of regular expenses can seem like an impossible task. ThereRead More →

3 Types of Bank Accounts You Should Consider Opening This New Year, Money News

2022-01-08
By: Rebecca J. Sanger
On: January 8, 2022
In: Expenses types

Getting stuck in mile-long ATM lines is one of the most frustrating times in a Singaporean’s life, especially when just a meter away is the ATM machine. ‘a rival bank that is so deserted it seems haunted. But avoiding ATM lines isn’t the only reason you should open more thanRead More →

What you need to know about the career break

2022-01-07
By: Rebecca J. Sanger
On: January 7, 2022
In: Expenses account

The Select editorial team works independently to review financial products and write articles that our readers will find useful. We may receive a commission when you click on product links from our affiliate partners. The pandemic has forced many people to reassess the role of work in their lives, whetherRead More →

15 Ways to Help Your Parents Plan for Retirement, Lifestyle News

2022-01-06
By: Rebecca J. Sanger
On: January 6, 2022
In: Expenses account

In Singapore, the minimum retirement age is 62. Your parents may have worked and saved their income for decades, but how do you know if they have saved enough for their retirement? There is no single answer to the question of how much is enough for your retirement. Different peopleRead More →

The Regions Next Step survey takes the financial pulse of Americans; Free money management tools available

2022-01-05
By: Rebecca J. Sanger
On: January 5, 2022
In: Expenses types

News and research before you hear about it on CNBC et al. Claim your 1-week free trial for Street Insider Premium here. Regions Next Step provides free tips and tools to help people prepare financially for the New Year and beyond. BIRMINGHAM, Alabama – (BUSINESS WIRE) – Bank of regionsRead More →

Ready or Not: The Regions Next Step Survey Takes Americans Financial Pulse; Free money management tools available

2022-01-05
By: Rebecca J. Sanger
On: January 5, 2022
In: Expenses types

Regions Next Step provides free tips and tools to help people prepare financially for the New Year and beyond. Bank of regions on Wednesday announced the results of a new survey that found Americans do not feel financially ready for the coming year. But there’s also good news: there areRead More →

Nerdwallet: Save for what makes you feel good in 2022 |

2022-01-04
By: Rebecca J. Sanger
On: January 4, 2022
In: Expenses method

You probably know how to plan and save for the big and annoying expenses i.e. financial needs. But what about the fun stuff? Expenses that don’t put a roof over your head but provide joy, rejuvenation, and other benefits that are difficult to quantify are also worth saving. In fact,Read More →

How Sinking Funds Could Help You Manage New Year’s Expenses

2022-01-04
By: Rebecca J. Sanger
On: January 4, 2022
In: Expenses account

SAN JOSE, California, January 4, 2022 / PRNewswire / – A budget can be a powerful tool in helping you manage your finances. When you plan your monthly recurring expenses and your variable expenses (like food, meals, and entertainment), you can make sure that you are spending your money onRead More →

Don’t Make These 6 Money Mistakes In Your 30s, According To Retirement Expert

2022-01-04
By: Rebecca J. Sanger
On: January 4, 2022
In: Expenses types

Are you wondering how to get started on the road to financial stability? Like the old one head of the retreat At JPMorgan Asset Management, I’ve seen many paths to retirement and the crucial steps – or missteps – that people have taken at every step of their investment journey.Read More →

Applying for Social Security at 70 will help you manage these 3 retirement expenses

2022-01-04
By: Rebecca J. Sanger
On: January 4, 2022
In: Expenses account

The decision to join Social Security is not to be taken lightly. This is because your deposit age will dictate how much money you will ultimately collect each month. If you apply for social security at your full retirement age, or FRA, you will receive exactly the monthly benefits toRead More →

How to create – and stick to – a budget this year

2022-01-03
By: Rebecca J. Sanger
On: January 3, 2022
In: Expenses method

© iStock.com The New Year is a great time to create a new budget. Budgeting can help you stay on track with your spending, savings, and other financial goals, but it only really works if you set a budget that you can realistically stick to. Save more: 21 consistently cheaperRead More →

How to be in better financial health in 2022 – Forbes Advisor INDIA

2022-01-01
By: Rebecca J. Sanger
On: January 1, 2022
In: Expenses account

A new year is a good time to review our financial decisions. It’s time to track our spending habits, our investments over the past year and whether those decisions were in line with our overall financial goals. The intention here is not to criticize or regret what has happened, butRead More →

5 simple tips to save money before the new year

2021-12-31
By: Rebecca J. Sanger
On: December 31, 2021
In: Expenses types

The arrival of the New Year is the perfect opportunity to change old habits, whether it’s eating better or managing your finances better. Here are some practical tips for reaching your financial goals in 2022. Set a budget and stick to it A good way to start tracking your spendingRead More →

5 ways to start saving money today

2021-12-27
By: Rebecca J. Sanger
On: December 27, 2021
In: Expenses account

LOS ANGELES, December 27, 2021 (GLOBE NEWSWIRE) – A great way to create personal financial security in the future is to make a habit of saving money. By saving, people can have cash on hand for emergencies, focus on meeting their financial goals, and have peace of mind about theirRead More →

8 tips for finding discretionary money on a tight budget

2021-12-26
By: Rebecca J. Sanger
On: December 26, 2021
In: Expenses account

The Select editorial team works independently to review financial products and write articles that our readers will find useful. We may receive a commission when you click on product links from our affiliate partners. You can feel like you’re caught up in the monthly chore of working just to coverRead More →

Investing $ 500 Each Month In These 2 ETFs Could Prepare Your Kids For Life

2021-12-26
By: Rebecca J. Sanger
On: December 26, 2021
In: Expenses types

Ddid you know that the average private college tuition costs exceed $ 38,000 per year? Over a four-year program, this could cost you over $ 152,000 in tuition alone. While public schools may be more affordable, they also cost several thousand dollars a year. Saving money and investing it asRead More →

KOTAK: Financial Checklist for New Parents

2021-12-24
By: Rebecca J. Sanger
On: December 24, 2021
In: Expenses method

Becoming parents is great news and comes with a lot of joy. As soon as one learns that a woman is expecting a joy of happiness is filled in the family. However, with that ultimate zest for life comes a great bucket of lifelong responsibilities. Before the baby even arrivesRead More →

29% of Americans used their emergency savings during the pandemic. Here’s how to replenish if you did the same

2021-12-24
By: Rebecca J. Sanger
On: December 24, 2021
In: Expenses account

Have you plundered your savings since the start of the crisis? If so, you are in good company. The pandemic has caused a world of financial turmoil for many people. Not only have millions of people lost their jobs, but many workers have been forced to leave the labor marketRead More →

Why Dave Ramsey advises against buying life insurance for children

2021-12-24
By: Rebecca J. Sanger
On: December 24, 2021
In: Expenses method

Read this before getting coverage for your children. Personal finance guru Dave Ramsey is a big believer in term life insurance. In fact, he recommends that people buy enough coverage to equal 10 to 12 times their annual income. However, there is one group of people he believes shouldn’t beRead More →

Balance a Budget 101 – Oswego County Today

2021-12-18
By: Rebecca J. Sanger
On: December 18, 2021
In: Expenses account

For the publisher, Any freshman in business knows the real way to balance a budget. If your expenses are more than your income, you have two choices. First, you need to reduce your expenses or second, you need to increase your income. This is the real way to balance aRead More →

A renowned option for any investor

2021-12-15
By: Rebecca J. Sanger
On: December 15, 2021
In: Expenses types

The Select editorial team works independently to review financial products and write articles that our readers will find useful. We may receive a commission when you click on product links from our affiliate partners. Fidelity is a household name in the investment world for both new and advanced investors. InRead More →

Prudential Financial in 2022 to freeze medical benefits for retirees

2021-12-15
By: Rebecca J. Sanger
On: December 15, 2021
In: Expenses account

Prudential Financial in the summer of 2022 will stop contributing to the medical savings accounts of current retirees, according to a letter sent this month. In addition, Prudential retirees must now use all the money accumulated in accounts over 20 years, rather than their lives. And any remaining balance goesRead More →

The “bucket” budgeting method that saves 30% of our income each month

2021-12-15
By: Rebecca J. Sanger
On: December 15, 2021
In: Expenses method

I hate the idea of ​​budgeting, but I’ve found a way called “bucketing” that works much better for me. Basically my husband and I have many different purpose accounts that we allocate money to. This helps us save 30% of our income each month and fully fund all of ourRead More →

Baby boomers and risky retirement investments

2021-12-15
By: Rebecca J. Sanger
On: December 15, 2021
In: Expenses account

Investing for retirement is essential to build up a nest egg that can provide financial security for your later years. Unfortunately, many people who invest make a big mistake with the money they save for the future. In fact, recent research from Fidelity found that about a quarter of allRead More →

4 tips to avoid bankruptcy when running a startup

2021-12-14
By: Rebecca J. Sanger
On: December 14, 2021
In: Expenses account

You shouldn’t neglect the financial health of your startup during the critical early stages. The ultimate success of your start-up business depends on how well you operate and manage your finances. Educate yourself on all aspects of corporate finance and make financial projections to anticipate estimated corrections and profitable periods.Read More →

5 things to do with your money if you’re a woman in your twenties

2021-12-11
By: Rebecca J. Sanger
On: December 11, 2021
In: Expenses account

The Select editorial team works independently to review financial products and write articles that our readers will find useful. We may receive a commission when you click on product links from our affiliate partners. Your 20s can be both exciting and stressful. On the one hand, you’re probably expanding yourRead More →

The gift of education | Business

2021-12-10
By: Rebecca J. Sanger
On: December 10, 2021
In: Expenses account

When I was a student at Wash High, I always remember a math teacher who always demanded and expected your best effort. For this individual, an education was the greatest gift a person could receive. With the holidays approaching and the supply chain chaotic, perhaps this year parents and grandparentsRead More →

I spend all my money. How can I create an emergency fund?

2021-12-10
By: Rebecca J. Sanger
On: December 10, 2021
In: Expenses account

Q. The end of the year is approaching and I want to adopt better financial habits. My first goal is to build an emergency fund. What’s the best way to do it and where should I save it? I save in my 401 (k) but after that I spend prettyRead More →

Why you have to pay yourself first

2021-12-09
By: Rebecca J. Sanger
On: December 9, 2021
In: Expenses account

Money / Financial Planning TARIK KIZILKAYA / iStock.com Whether your goal is to buy a car, pay for a wedding, or increase your retirement nest egg, you need to be aware of “paying yourself first” in order to achieve these goals. Today’s In the “Financially Savvy Woman” column, we chatRead More →

7 things to do if you’re retired and broke

2021-12-09
By: Rebecca J. Sanger
On: December 9, 2021
In: Expenses account

Retirement is supposed to be the time to enjoy your golden years. It might seem like the perfect time in life, but it doesn’t always turn out that way. For some, retirement can be a difficult and confusing time, especially if they are in financial difficulty. Maturity – Maturity WhileRead More →

This is the “perfect number of bank accounts” to have – here’s how to set it up

2021-12-09
By: Rebecca J. Sanger
On: December 9, 2021
In: Expenses account

Set a budget and stick to it. This is the advice that has been hammered into our heads as the golden rule of personal finance. But for many people, creating a budget plan is overwhelming, and following it is an even more difficult task. As a financial analyst and hostRead More →

An expert takes a look at how many bank accounts you should have

2021-12-09
By: Rebecca J. Sanger
On: December 9, 2021
In: Expenses account

How many bank accounts should you have? Personal finance expert and author Tiffany “The Budgetnista” Aliche thinks the answer is actually quite simple. She spoke to OneUnited OneTransaction, a conference on bridging the racial wealth gap, about her top budgeting tips. “There really is a four-bucket system,” Aliche said. “AndRead More →

Can’t afford to invest in a 401 (k) or an IRA? Here is what to do

2021-12-08
By: Rebecca J. Sanger
On: December 8, 2021
In: Expenses account

The Select editorial team works independently to review financial products and write articles that our readers will find useful. We may receive a commission when you click on product links from our affiliate partners. If the income from your job doesn’t allow you to cover your immediate expenses while savingRead More →

Seven Life-Changing Ways to Use Your Tax Refund

2021-12-08
By: Rebecca J. Sanger
On: December 8, 2021
In: Expenses types

the the average individual tax refund for 2020 was $ 2,827 – a big chunk of change. While it can be tempting to splurge on a vacation or a shopping spree, there might be better ways to use this rebate. A tax refund, especially in times of economic crisis, canRead More →

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