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Housing Market Predictions: What Buyers and Sellers Can Expect This Spring
Spring is typically the busiest time of year for home sales across the United States, as families look to move before the new school year begins and the weather is right, even in cold-climate states. The housing market has been anything but routine over the past few years, not least...
Americans With Bad Credit Pay 35% More for Home Insurance
The likelihood of a major accident or disaster happening to a particular home is the same regardless of whether the owner has a perfect credit score or if they’re in the lowest subprime category. So you might be surprised to learn that credit plays a major role in how...
The 10 Top Cities for First-Time Homebuyers, According to Zillow
First-time homebuyers are becoming one of the largest segments of the real estate market, making up half of all buyers in 2023. While this demographic continues to grow, though, it is forced to reckon with an expensive housing market that does not necessarily favor them. When interest rates do eventually...
How to Lower Your Taxable Income With Last-Minute IRA Contributions
Now that the tax filing deadline is just days away, you may be thinking that it’s too late to reduce what you owe on your 2023 federal income tax return. But there’s still time to lower your tax bill, or even increase your refund, while contributing to your retirement savings. If you have a traditional individual retirement account, or IRA, you can put money into it for the previous year right up to Tax Day (that’s April 15 in most states this year).
Credit Score Trouble: 1.2 Million More Americans Just Became ‘Subprime Borrowers’
Americans are falling behind on their credit and loan payments, pushing many into the lowest credit tier possible. Compared to last year, 1.2 million more Americans are now considered "subprime borrowers" — or those who have credit scores in the 300 to 600 range — according to a Money analysis of the latest data released by the credit-scoring firm VantageScore.
These States Are Using Their Budget Surpluses to Give Tax Breaks to Residents
The tax returns millions of Americans are filing this spring may bring a rare bit of good news. Most states again took in more money in taxes than they forecast last year, and many of them are passing along a chunk of those surpluses in the form of tax cuts and credits for 2023.
Over Half of Recently Hired Workers Used AI Like ChatGPT in Their Job Search
Less than a year and a half has passed since the release of ChatGPT, and generative AI has already become a crucial job-hunting tool. It's no secret that applying for jobs can be taxing, and no one's paying you for the time and labor you invest in all those cover letters, resumes and interview prep. This is likely part of the reason why 53% of recently hired U.S. workers say they used generative AI tools to help them with the job search process, according to a new report from ZipRecruiter.
Why You Should Think Twice Before Taking Stock Tips From Social Media
Social media has become a very important communication tool for most everybody over the last decade. And since 2020 especially, the investing community has taken advantage of social media’s speed and wide reach to provide each other with hot tips and breaking news. But it turns out that those hot tips aren’t as useful as investors might think.
Why You Should Think Twice Before Taking Stock Tips From Social Media
Social media has become a very important communication tool for most everybody over the last decade. And since 2020 especially, the investing community has taken advantage of social media’s speed and wide reach to provide each other with hot tips and breaking news. But it turns out that those hot tips aren’t as useful as investors might think.
Americans Now Think They'll Need a Record $1.46 Million to Retire Comfortably
What’s the magic number you need in savings to have a comfortable retirement? Americans now predict they’ll require $1.46 million to bankroll their third acts: the highest estimate on record, according to research released Tuesday. That's yet another uptick in the sum of money U.S. adults think they'll...
Homes Worth $1 Million or More Are Now the Standard in 550 Cities
The typical home is now worth over $1 million in 550 U.S. cities — a figure that’s grown 12% in the last year, Zillow reports. Many of the country’s most expensive real estate markets are in the largest metro areas. The New York City area alone has 106 cities with home values above $1 million, up from 82 a year ago. (This metro includes parts of New Jersey and Pennsylvania.)
AT&T Data Breach: How to Make Sure Your Personal Information Is Safe
Telecommunications giant AT&T has confirmed it's investigating a massive data leak that exposed personal information on tens of millions of current and former customers. Over Easter weekend, AT&T verified that sensitive data belonging to 73 million people was leaked on the dark web following years of rumors that a hacker had stolen large amounts of AT&T customer data. The information includes Social Security numbers and account passcodes; full names, email addresses, home addresses and more may have also been leaked.
Here Are the 10 Most Expensive States for Home Insurance
The surge in home insurance prices isn’t over yet. The average annual premium will likely top $2,500 nationally this year, and homeowners insurance will cost nearly $12,000 in the country’s most hurricane-prone state. A new forecast from Insurify, an online marketplace, predicts that the cost of home insurance...
Tips on Getting The Right Small Business Insurance at the Best Price
When it comes to business insurance, the rate at which premiums have been rising has easied for the past four years or so. Yet rates for coverage, including for the best business insurance, were still climbing more quickly than inflation, according to the latest data from the Council of Insurance Agents and Brokers.
Why Gig Workers Need Business Insurance and How Much They Should Buy
One of the allures of gig work is the freedom to control your own destiny. But since that control has limits, proper insurance coverage needs to be part of the picture — possibly including a business insurance policy. You may not think about your small enterprise as a business,...
Why April Could See the Stock Market Move Even Higher
The stock market has steadily climbed this year, and as April approaches, investors have reason to expect more of the same given that month's track record for strong stock performances. After gaining 24% last year, the S&P 500 — the benchmark index used to measure how stocks are performing overall...
The Best Ways to Invest Your Tax Refund in 2024
Getting a tax refund can be exhilarating. Receiving that lump sum of your own money that was swept away by the IRS is the closest thing most people will get to finding an envelope of cash on the sidewalk. According to the IRS, so far in 2024, the average tax...
Financial Planners Are Telling Clients to Make This Investing Move Before Interest Rates Drop
Investors may want to capitalize on today's historically high interest rates before it's too late. With the Federal Reserve poised to start cutting interest rates later this year, many certified financial planners are advising clients to take advantage of high-yield investment accounts whose APYs are around the highest they've been in years.
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