Search: Ethan Smith

Author: Ethan Smith

#492 How To Shop For Mortgage Rates

Buying a home might be the largest single financial investment you ever make. Due to the hefty price tag, you will likely need a mortgage. The interest rate charged on the loan ultimately determines the cost of the mortgage and the size of your monthly payments. Even a small difference in rates g... see more

#481 Healthcare Premiums Keep Rising, But Salaries Aren’t

Income growth in the United States has been anemic in the 21st century. Between 2003 and 2015, salaries have risen only 11%. Moreover, that figure, skewed by large income gains from the richest Americans, is misleading in terms of how it represents the income growth seen by the average worker. Ma... see more

#472 Retirement Woes Remain As Housing, Stock Markets Rebound

Despite a rebounding stock market and recent housing gains, retiring comfortably remains an elusive goal for the majority of Americans. Many whose plans for their "golden years" were disrupted by the recent recession must still work longer and save more to get back on track.Fidelity Invest... see more

#471 Using Life Insurance to Help Provide for Someone With a Special Need

Life insurance can be a versatile tool when developing a plan to provide for a family member or loved one with a disability or special need. Life insurance allows families with sometimes limited financial res to make incremental premium payments that leverage their res and provide a large death b... see more

#442 Tips To Improve Chances Of A Small Business Loan

A new startup, a new grocery store or an established eatery looking to expand further – all are small businesses. Such companies often need capital for their new or expanding business and have specific loan requirements. A brick and mortar business may need money to expand into ecommerce, an es... see more

#441 Retirement Tips: Choose The Best Charitable Gift Annuity

A charitable gift annuity (CGA), as the name implies, is both a tax-deductible gift and an income-producing annuity. It's a way to benefit a charity or non-profit organization whose work you support, while still supporting yourself and your kin. Choosing the best one involves selecting an instit... see more

#355 Home Improvements That Really Pay Off

Despite what you see on TV and what the conventional wisdom says, most of the home improvement projects with the greatest return on investment are unglamorous. According to Remodeling Magazine's 2014 Cost vs. Value report, you'll recoup the greatest percentage of your investment on projects such ... see more

#341 5 Crucial Tips For Your Retirement Income Planning

Of life's many transitions, one of the most daunting for investors may be the pivotal point when you forego your regular paycheck and turn to your savings to "pay you back" after a decades-long buildup.The questions (and the decisions) involved are many: Have I saved enough? How much can (... see more

#331 How to Shop for Home Insurance

Own a home? Looking to buy a home? You're going to need homeowners insurance. There's no getting around it, especially if you'll be financing the purchase: Before handing you one dollar of their money, any lender will require proof that the property is insured. But for some reason, home insurance... see more

#251 Internet Sales Tax Vs. Brick & Mortar Sales Tax

The sales tax at a brick and mortar store is reflective of a state's base sales tax plus local sales taxes imposed by counties and cities. Some states have placed exceptions on sales taxes; a common exception is on staple food items. A sales tax is usually collected by the business owner or store... see more

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