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Early tax refund loans


Advance Loans with Tax Refunds

If you’re like me, tax season can’t come soon enough. Either you are preparing for a refund or you are organized and ready to leave the tax season behind.

If you’re ready to get a refund for the tax season, then you’ve probably heard of early tax refund loans. If you have been considering whether or not to take out a prepayment loan, here are some things you should know.

Note: Our main thought on these loans and products is NO. But we’re not your mom either, so at least do some research on what you need to know before adopting her.

Before you read any further, take a look at our tax refund calendar so you know when you can expect your refund. It may make more sense to wait than take out a loan. Now let’s move on to the subject of tax refund loans.

What is an early tax refund prepayment loan?

An early tax refund loan is a loan that you get from a tax preparation service instead of waiting for your refund. These loans can be granted as early as the day your tax return is accepted by the IRS. (That’s about 3 weeks earlier than waiting for the IRS to refund you.) Typically, you will be deducted tax preparation fees and other loan-taking fees may apply.

These loans are popular as they can help taxpayers get their refunds early on. Prepayment credits are usually made with a special debit card, check, or direct debit.

Note: Be very careful when receiving a debit or gift card. If you enter the wrong information or email address, your refund could be “lost” and getting your money back could be almost impossible.

When your actual tax refund is available, the check will be sent to the tax preparer who granted you the loan, which will automatically repay your prepayment loan.

Read the pros and cons of tax refund loans here >>

WARNING Information about prepayment penalties

I NOT recommend using your tax refund for a cash advance or to finance any type of refundable prepayment loan. As you’ll see below, they are expensive compared to other options available.

Additionally, some unscrupulous tax advisors may charge higher fees than they are allowed to (or even hidden fees or interest). You have to do your duty of care!

If you are in an emergency and think this is the only way, make your decisions wisely. Many people looking for a loan may be better off with one of the options on our list of the best personal loans available.

Can You Get a Prepayment Loan If You Have Bad Credit?

Good question and the answer is: it depends. There are some companies that claim to offer prepayment loans with no credit checks (such as Jackson Hewitt), others require credit checks, and some may charge higher fees if you have poor credit.

If you are planning on taking out an advance loan, the best thing to do is to just call ahead and ask the tax preparation provider you want to go to for the details.

You can also opt for a personal loan. Check out Credible here:

Who offers prepayment loans with repayment?

Thanks to prepayment loan regulations in recent years, many of the companies that previously offered prepayment loans have stopped doing so. This is good for consumers because the expensive loans that fell victim to low-income families are now obsolete.

However, there are some companies that still offer advance loans, even though they look very different from the expensive ones in the past.

These are the most popular:

TurboTax advance reimbursement

TurboTax advance reimbursement can give you up to $ 3,000 in less than a day! They estimate that most loans close within 3 hours of the IRS accepting the tax return. Even better, you get the advance with $ 0 loan fees and 0% APR.

The Refund Advance is available in amounts of $ 250, $ 500, $ 750, $ 1,000, $ 1,500, $ 2,000, $ 2,500, and $ 3,000. The amount that you can receive is approximately 50% of your estimated tax return amount.

Your loan is available on a Turbo® Visa® debit card from Green Dot Bank. You can get an online confirmation and use the online balance immediately.

Read our full TurboTax report here.

TurboTax logo

H&R Block Emerald Advance

H&R Block Emerald Advance – H&R Block appears to have turned its back on traditional prepayment loans and is now offering the Emerald Advance as early as November each year.

The Emerald Advance is a line of credit of up to $ 1,000 that is issued before the holiday season and must be paid back by February 15NS the following year. As long as the loan is repaid by February 15, borrowers may be able to keep their line of credit for year-round.

It is important to note that the H&R Block Emerald Advance is much riskier than a traditional prepayment loan since it is a line of credit with interest and NOT a one-time loan backed by your tax refund.

Here’s what else you need to know about the Emerald Advance:

  • $ 45 annual fee for opening an account
  • 36% APR <<
  • Monthly minimum payment of $ 25 or 4% of your balance (whichever is greater)
  • $ 7.50 late payment fee
  • $ 20 repayment fee
HR block logo

Jackson Hewitt

Jackson Hewitt is offering up to $ 700 with an early tax refund loan. All you need is a pay slip or proof of income, and you can qualify for up to $ 700 at participating locations.

To find out if you can prequalify now. 0% APR loan from MetaBank®. Conditions apply. Then from December 16, go to a participating location with your pay slip or other proof of income. Once approved, you can get your tax refund advance for free on a prepaid debit card.

Jackson Hewitt Online

Freedom tax – Liberty Tax offers simple advance loans of $ 500 to $ 1,300 for qualifying taxpayers. These loans are backed by your tax refund and are available in the form of an office-printed check, prepaid MasterCard, or direct deposit.

Check out our full Liberty Tax Review here.

Alternatives to repaying prepayment loans

Have you ever thought about simply taking out a personal loan? I know this might sound a little weird, but you might get more money, better interest rates, and better business all around.

A personal loan can be a great way to pay off high-interest credit card debt, consolidate multiple loans, get your car or home repaired, and much more. The helpful feature of these loans is that you have a set payback period – instead of paying your taxes and then waiting for repayment.

We recommend buying a personal loan from Credible. Credible is a comparison site that lets you see what different options you could qualify for online in just 2 minutes. You can borrow between $ 1,000 and $ 50,000 at just 3.99% APR (with autopay). That’s a lot (especially when you look at something like Emerald Advance).

Check out Credible and see if it makes sense to you here.

What can you do to expedite your tax refund?

If you insist on obtaining a pre-tax tax refund loan, please do your due diligence. Go for the no-fee loans up to $ 1,300 and by all means stay away from the lines of credit and any other credit that has fees and high interest rates.

If for some reason you can’t get a free prepayment loan, it’s much better to just wait for your tax refund. If you want to expedite this tax refund, here’s what you should do:

File early – You can start filing your taxes as early as January 1stNS However, we don’t expect the IRS to begin accepting tax returns until January 25, 2022. You can use a tax preparation service or file online via one of those places.

Don’t forget about the delay for EITC and ACTC – If you are filing the Earnings Tax Credit or Child Supplementary Tax Credit, your return will automatically be held for processing until February 15, so you probably won’t get your return until late February or early March.

Have all of your information together – Before submitting, make sure you have everything you need. Impatience could cause a mistake on your part and delay your tax refund. Here is a list of the items you need to submit.

File electronically – Filing electronically is much faster than filing a paper return and should result in a faster refund. Remember, if you are filing by mail, you will need to send your return in (takes about a week) and the IRS will have to enter it into the system manually (takes about 3-4 weeks). Filing by mail will typically add 12 weeks to your original 21 days if you are submitting electronically.

Use direct deposit – Direct deposit is the fastest way to get your tax refund. If you choose to send a check, you are only adding to the time to receive your refund. The IRS needs to send your information to the check printers and then send it to you. This process will extend your refund by at least a week.

Tax refunds are usually issued within 21 days of your tax return being accepted, which means you can receive your refund via direct bank transfer as early as February 20th. However, due to a new tax law, your refund may not appear until a few weeks later.

If possible, wait for your tax refund to be received from the IRS. If you desperately need your refund early on, opt for a toll-free loan and stay away from the lines of credit.

Are you using a prepayment loan? If so, who are you most interested in dealing with?

How to start an insurance company


Starting an insurance agency is very similar set up any business. You need to choose a business structure, register and license your business, get insurance, and more.

However, you also need to become a licensed insurance agent and learn to navigate a highly regulated area.

How to start.

1. Become a licensed insurance agent

Depending on the requirements in your state, you can get an insurance agent license in a matter of weeks or months. Here are the steps you need to follow:

Find out about your state’s licensing process. The National Insurance Producer Registry or the branch of Independent Insurance Agents and Brokers of America in your state can help you understand these specific requirements.

Decide which insurance you want to sell. They may be licensed to sell various “powers” ​​or types of insurance. The most extensive powers include:

  • Accident and health or illness.

The names of these lines of authority may be different in your state. They can be licensed to sell multiple powers of attorney. Life and health insurance are often offered in one package, as is property and casualty insurance.

In general, most types of business insurance are property or casualty insurance. With property and casualty insurance, you can have personal and commercial insurance. Most agents, however, choose to specialize in one thing or the other.

Take a pre-licensing course. Your coursework should focus on the type of insurance you want to specialize in. Courses can be held in person or online in most states.

Schedule your license review. These are usually done in test centers run by outside testing companies who may notify you of the results immediately.

Apply for your license. Submit your license application to the government agency in your state. You will need to provide personal information such as your social security number, date of birth and place of residence and pay any applicable fees. If your application is approved, you will be able to sell insurance products.

If you are new to selling insurance, you may want to get some experience with an insurance company or other broker before setting up on your own.

Her Business plan outlines what your company should look like and how you want to get there. The process of writing should force you to answer complex questions, such as: B. What unique value you offer your customers and how much money you need to get started.

3. Select a company structure

Her Business structure determines, among other things, how your operating profit is taxed and how your private and business assets are separated.

There is also an insurance-specific question to be answered: whether your insurance carrier should work with a specific insurer or with many different providers.

Captive agents (agents who work with a particular insurance company) can benefit from brand awareness and don’t need to convince insurers to work with them. However, on the other hand, they can only sell a limited number of insurance policies. For example, State Farm works with a network of independent contractors who run their agencies but only sell State Farm products.

Many other insurance agency owners are independent intermediaries and sell products from multiple insurance companies. Independent brokers may have to work harder to establish and market their brand with clients and insurers, but they can forge relationships with many insurance providers.

4. Register and license your company

Before running your business, you must register with your state, usually the State Department office.

As part of this process, make sure you get a business license, sales tax permit, and any other documents your state or city will require.

Your company may also require a license from your state’s insurance department. Check your state’s requirements to find out what you need.

5. Get business insurance

As an insurance broker, you already know how important it is for your customers to be fully insured. Will Business insurance to protect your business assets.

What is best for your company?

Answer a few questions and we will put you in touch with an insurance partner who can help you prepare an offer.

6. Build relationships with insurance companies

If you are an independent intermediary, you will need to apply to all insurance companies whose products you want to sell. If they approve your application, they will give you an appointment to sell their policies.

Establishing direct relationships with insurance companies without years of experience and a customer base can be a challenge.

Joining a professional association such as Independent Insurance Agents and Brokers of America or an agent network such as Smart Choice can help you gain access to insurance providers to sell their policies. These groups can also provide marketing materials, discounts on your business insurance policies, and other resources.

If you decide to start an independent agency, you may have to look for your first customers. Start by joining your local Chamber of Commerce, attending networking events, and promoting in your local market.

An online presence is also essential. Make sure your website clearly states what types of insurance you sell and what customers you serve. Contact information should be easy to find.

If you set up an agency affiliated with a specific insurance company, you may receive referrals when clients search for agents in their area. However, you will likely need to do local marketing as well.

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Ritholtz partners with WisdomTree to launch Crypto Index


Ritholtz Wealth Management has partnered with WisdomTree to launch the RWM WisdomTree Crypto Index, which allows exposure to Bitcoin (36%), Ethereum (20%) and 11 other crypto assets (4% each). These 11 additional crypto assets include Layer 1 Networks, Layer 2 Protocols, Oracle Networks, Crypto Indexing Services, Decentralized Finance (DeFi), and the Metaverse.

While the index is currently only available to Ritholtz customers with separately managed accounts on Gemini, Onramp is making this available to a wider circle of advisors via its cryptocurrency platform, writes Michael Batnick, Research Director at Ritholtz.

“In our view, this direct indexing implementation of the RWM WisdomTree Crypto Index via Onramp Invest and Gemini is the best-composed structure and diversified crypto asset exposure currently available to US investors, and especially the RIA community,” said Jeremy Schwartz, WisdomTree’s global chief investment officer, in a statement.

“Cryptoassets hold promise for financial advisors to add value, to be compensated for and to do in a way that lives up to their fiduciary responsibility,” said Eric Ervin, chief investment officer and co-founder of Onramp Invest. “Our goal at Onramp was to make this possible from day one.”

The cryptocurrency and investment communities have waited years for a Bitcoin ETF to be approved by the Securities and Exchange Commission, and no ETF that invests directly in Bitcoin has yet been approved. The Winklevoss twins were the first to apply for a Bitcoin ETF in 2014.

SEC chairman Gary Gensler gave a speech on crypto ETFs in August, noting that the commission would favor funds that invest in bitcoin futures. And Gensler only recently doubled its concerns about spot bitcoin ETFs.

ProShares made history in October with the introduction of the first Bitcoin futures ETF under the ticker BITO. Several other Bitcoin futures ETFs have been listed since then.

Thrivent gets into the ETF game

Thrivent, the Midwest-based nonprofit financial services organization founded by Lutherans, has filed an initial registration statement for an exchange-traded fund with the SEC.

According to the documents, the company plans to introduce the Thrivent Small-Mid-Cap ESG ETF (TSME)that are actively managed and invest in companies with a market capitalization equal to or below the market capitalization of the largest company in the Russell 2500 Index or the S&P MidCap Index, or both.

The new ETF is part of the organization’s long-term strategic growth goals aimed at bringing more clients financial clarity, ”a spokeswoman said in a statement.

It will use the “proxy portfolio” methodology whereby Thrivent discloses a daily proxy portfolio that reflects the economic risks and risk characteristics of the portfolio without disclosing actual holdings. This reduces front-running and intellectual property theft.

The ETF will be an entirely new fund, not a conversion of any of Thrivent’s existing mutual funds. Several traditionally active managers have announced plans to convert mutual funds into ETFs.

Apollo continues its move into retail wealth management

Private equity firm Apollo is expanding its global wealth management solutions business with the acquisition of Griffin Capital, a privately held alternative asset manager in Los Angeles. The move adds 60 retail sales professionals and hundreds of distribution agreements as Apollo continues to bring its products and services to the retail wealth management market.

Apollo recently set a goal at its Investor Day to raise over $ 50 billion in organic capital for its global wealth business over the next five years.

In May, the company unveiled the new division and outlined plans to develop new products that individuals can invest in through financial advisors.

Griffin is particularly strong in its sales capabilities for the independent channel, Apollo said, a nice addition to its focus on private banks, wirehouses, RIAs and family offices.

“The democratization of the financial system offers enormous opportunities for individual investors to gain access to alternatives,” said Apollo CEO Marc Rowan in a statement. “With the acquisition of Griffin, we will significantly advance our growth plans for the US wealth market, which we presented at our recent Investor Day. As one of the first companies to offer alternative strategies to the US individual investor and advisory market, Griffin has built trusting relationships for more than 20 years and, in combination with Apollo, can offer the market a wider range of solutions. “

First NFT-focused ETF goes onto the market

Defiance launched the first exchange traded fund to focus on NFTs. the Defiance Digital Revolution ETF (NFTZ) does not directly hold fungible tokens, but tries to thematically enter the NFT, blockchain and cryptocurrency markets.

The fund has a management fee of 65 basis points and invests in NFT and blockchain-related companies such as Silvergate Capital Corp., Cloudfare, Bitfarms and Coinbase, among others.

Is social security a big mistake at 62?


As your 62nd birthday approaches, you face a big decision: should you start paying social security at 62 and accept lower benefits? Or should you defer social security to get a higher benefit amount?

Whether you will join social security at the age of 62 depends on several factors: your life expectancy, whether you will retire early and your overall financial situation. Here are some things to consider when planning your retirement.

This is how early use of social security works

If you make social security claims based on your own documents or receive a spouse’s allowance, if you can receive earlier benefits from the age of 62, you will be confronted with a lifelong reduction in benefits.

Your social security benefits are based on your primary insurance amount. This is the amount you would receive if you started your benefits at retirement age. If you were born in 1960 or later, your retirement age will be 67. The retirement age ranges from 66 years for those born in 1943 to 66 years and 10 months for people born in 1959.

Every time you receive social security benefits before your full retirement age, you will have to accept a reduced benefit. Your performance will decrease by 6.66% for each year of early performance. If you start at the earliest eligible age of 62, your benefits will be 30% lower than if you wait until you reach normal retirement age.

However, if you persevere past full retirement age, you will receive deferred pension credits. These amount to 8% per year until your social security benefits expire at the age of 70. If you wait until you are 70, your monthly benefit will be 77% higher than you would if you were 62.

Pro tip

If you are claiming spouse allowance, you cannot purchase late retirement credits. Your benefit will be maximized with your full retirement age.

Highest social security benefit in 2022

Starting ageMaximum benefit
Age 62$ 2,364
Age 65$ 2,993
Age 66$ 3,240
Age 67$ 3,568
Age 70$ 4,194

It makes sense to receive social assistance at the age of 62

Deciding when to get your Social Security retirement benefits is one of the biggest personal financial decisions you will ever make. However, you can start benefiting from the age of 62 in the following situations.

You have health problems

If you are in poor health or your parents died relatively young, it often makes sense to apply early. Your social security contributions will be lower, but early access can result in higher overall lifetime benefits.

However, be aware that your life expectancy is difficult to predict. Even if your health isn’t perfect, there is a good chance you will live longer than you predict. According to the Centers for Disease Control, someone who turned 65 in 2019 could live an average of 19.6 years. Surviving your money is a far greater risk than leaving money on the table.

Pro tip

While you will be eligible for Social Security pension by the age of 62, most people will not be eligible for Medicare until they are 65.

You have an urgent financial need

The irony of social security is that the people who are most dependent on it often cannot afford to receive a larger monthly benefit. Many older employees have to retire early because of health problems, layoffs or care obligations. Social security income can be a lifeline in these situations.

If delaying Social Security pension payments would put you in debt, filing early claims is a wise decision. Even if a delay in social security would mean you forego health insurance or medical treatment, you don’t want to wait.

You don’t plan to work

If you receive social security benefits while working before full retirement age, your monthly benefit will be reduced if your salary exceeds certain limits. In 2022, Social Security will reduce your benefit by $ 1 for every $ 2 you earn over $ 19,560. For the year you reach full retirement age, the annual limit is $ 51,960 and Social Security only withholds $ 1 for every $ 3 you earn over that amount. When you reach full retirement age, you don’t have to worry about a reduction in your benefit.

But you are not giving up that money permanently. When you reach normal retirement age, the Social Security will charge you a higher amount to give you the withheld funds. However, this temporary reduction often means that drawing social security early while working is not worthwhile.

When should social security receipt be postponed?

It is obvious that there are many guesses as to when to draw social security benefits. If these circumstances apply, it is advisable to wait to receive the benefits so that you can collect more money every month.

Your health is excellent

With an above-average life expectancy, it usually does not make sense to take advantage of benefits early. Social Security Cost of Living Adjustments (COLAs) lag far behind the real cost of living increases for seniors. Although rising inflation pushed Social Security COLA down to 5.9% in 2022, it hovered around 1 or 2% for most years. Starting with an already reduced performance makes it difficult to keep up.

If you expect to live well into your 80s or 90s, waiting is often the best step to take. Every year if you wait past 62, your checks will increment 6.66% until you reach full retirement age. After that, they increase by 8% until you reach maximum output at the age of 70.

Your spouse will make your claim

When you’re married, you can’t just think about your own social security pension benefits. You need to consider how your decision will affect your spouse.

It often makes sense for the higher-income spouse to wait, especially if they are significantly older than the poorer-earning spouse. If the high-wage earner dies before the low-wage earner, the lower benefit can be transferred to the higher survivor benefit. The widowed spouse can receive up to 100% of the benefits of the deceased spouse.

You’re postponing retirement

If you are still able to work and enjoy your job, postponing social security is a good strategy. Of course, if you don’t retire early, you can get greater benefit. However, by earning a paycheck, you can avoid withdrawing money from your 401 (k) or individual retirement (IRA) account, which gives your money more time to top up.

Can you reverse your decision to apply for social assistance?

There are two ways in which you can reverse your decision to receive social security pension benefits.

  • You can withdraw your application: If you got Social Security early and it’s been less than a year, you can fill out Form SSA-521 to withdraw your application. You must repay to Social Security any benefits you received, along with any withheld taxes or Medicare premiums. When you are ready to resume services, you will need to reapply. Then you are entitled to a higher benefit based on your age at that time.
  • You can suspend your benefits when you have reached full retirement age: If you have reached full retirement age but would like to earn those 8% late retirement credits, you can contact your local Social Security Office and request that your benefits be suspended. For example, if you suspend your benefits at 67 and resume at 69, your payments will increase by 16%. Your checks will automatically resume when you turn 70 if you don’t restart them sooner.

As you can see, your options for undoing your retirement are very limited. If you are unsure how to proceed, be sure to speak to a financial advisor before doing your first social security check.

Robin Hartill is a certified financial planner and senior writer at The Penny Hoarder. Send your tricky money questions to [email protected] or chat with her in The penny hoarder community.

How to Buy Polkadot (DOT) in Canada


DOT was first publicly launched a little over a year ago, but this relatively unknown coin has found a spot in the top 10 crypto heavyweights – a testament to the attractiveness, utility and technological capabilities of DOT. This year alone, polkadot has soared from about $ 8.50 to its high of just under $ 54 on November 4th, an incredible 500% increase. To put it in dollars, if you bought $ 1,000 worth of DOT on January 1, 2021, your investment would be worth $ 5,000 as of November 4, 2021.

Undoubtedly, the coin’s dramatic rise into the higher echelons of crypto-verse is intriguing – but is DOT still a promising investment? Let’s take a closer look at its features, potential, and how to invest in it through a crypto trading platform like CoinSmart.

What is polkadot and why is it on the news?

Each crypto currency has its own decentralized ledger system, the so-called blockchain. Some crypto coins share their name with their blockchain, e.g. B. Bitcoin, while native coins of some blockchains have their unique name. The native coin of the Cardano blockchain is called ADA, for example.

Polkadot is a new generation of blockchain protocols that connects different blockchains into a single unified network. In contrast to competing blockchains that work independently, Polkadot is intended to serve as a connecting bridge between blockchain networks and make them interoperable. In essence, the Polkadot Network works as a blockchain of blockchains.

“Interoperability between different blockchain protocols has been a challenge for the industry for many years,” says Gaby Hui, director at Merkle Science, a predictive blockchain monitoring and investigation platform that helps crypto companies, financial institutions and government agencies to illegal activities with cryptocurrency impede.

Polkadot solves this problem by creating an internet out of interoperable blockchains and building a decentralized web, she adds.

In addition to digital tokens, Polkadot also enables data to be transmitted across blockchains. This makes Polkadot “a true multi-chain application environment, where things like cross-chain registers or cross-chain calculations can be done,” notes Hui.

The Polkadot blockchain was developed by Ethereum co-founder Gavin Wood, who teamed up with Peter Czaban to create the Switzerland-based Web3 Foundation, a non-profit that supports research and development for Polkadot.

Maximize Your Benefits and Pay as an Employee


Maximize Your Benefits and Pay as an Employee

Now is a good time to review a paycheck

by Massimiliano De Santis, DESMO Wealth

I thought I would never say that, but I like that IRS website. Not necessarily the IRS or the tax system we have. Just her side. It has great information about taxes. You can find answers to almost everything tax-related. A very useful tool on their website is theirs Withholding Estimator. If you are a W-2 employee I suggest you use it now to estimate your tax liability and see if you are down on your taxes for the year. Do not wait. A paycheck review can help you determine if you are deducting the correct amount of tax from your paycheck. Too little can mean an unexpected tax bill or even a penalty that it is better to avoid. Too much can be a tax refund. While getting a refund can be nice, it also means your paycheck will be smaller than it could be each period. Why not shoot for zero or a small refund and save the money instead?

[Read the Full Article]

Maximize the benefits in the workplace with FSAs and HSAs

by Grant Bledsoe, Three Oaks Wealth

The open registration period for Flexible Spending Accounts (FSA) and Health Savings Accounts (HSA) is approaching. During the enrollment period, employees can register or change their contributions for the coming year for FSAs and HSAs with which they can pay for their health care expenses. We dedicated today’s episode to a deep dive into several important facts related to FSA, dependent FSA, HSA and the numerous ways to maximize Her Job advantages among each of them.

[Watch the Video]

Open Enrollment 2022: 3 Tips to Maximize Your Benefits

by Alvin Carlos, District Capital Management

Open enrollment in 2022 is here. From November 1, 2021 to January 15, 2022, you have the option to change your health insurance, increase your life insurance coverage and decide whether you want to take out disability insurance. I will give 3 tips on how to do this to maximize your employee benefits during this open enrollment period.

[Read the Full Article]

The benefits of changing jobs [Video]

by Robert Stoll, Financial Design Studio

Let’s talk about your career and what the benefits of changing jobs could be for you. Many career experts will say that changing jobs regularly is not only good for advancing your career to get new positions, but also in monetary terms. Let’s get practical with this.

[Watch the Video]

One of the least used saving tools: The HSA

by Danielle Harrison, Harrison Financial Planning

With the increase in high deductible health insurance (HDHP) offered by employers, it is surprising to see how few people use a health savings account (HSA). Not only can these plans provide a way for individuals and families to save tax efficiently on current medical expenses, but HSAs are a perfect tool to save for retirement and other financial needs because of their unique structure and functions.

[Read the Full Article]

Following financial advisor blogs is a great way to access valuable, educational information about finance – and it won’t cost you anything! Our financial planners are happy to share their knowledge and help everyone, regardless of age or wealth.

Get paid to play with puppies


You must have said or heard someone say, “If I could just get paid to play with puppies all day, I would be in heaven.”

Well read on …

Guide dogs need YOU.

Guide dogs are looking for a dog scientific assistant whose main job is to look after beautiful dogs all day. The charity is providing £ 23,173 pro-rated wages to successful candidates and the lucky devil will be working at the charity’s National Center in Leamington Spa for a twelve month internship four days a week.

Get paid to play with dogs

Her responsibilities include helping guide dog pups, who are trained by the charity to help visually impaired owners get a strong and caring start in life so they can become valuable helpers to those in need.

One disadvantage: you have to apply very quickly, because the application deadline is this Sunday, December 5th, 2021. You must have experience in dealing with or handling animals and – ideally – a degree in the natural sciences or animal behavior. Without a degree, you need at least two years of previous experience with animals.

Helen Whiteside, Guide Dogs’ Chief Scientific Officer, said, “In addition to providing other services to improve the lives of people with vision loss, Guide Dogs breeds and trains more than 1,000 dogs each year. The Canine Science Assistant will help develop and conduct our vital research on canine behavior, health, and wellbeing.

Get paid to play with this guy

“This important role will be about our pups’ welfare: getting to know, interact and interact with them as they grow into happy, healthy guide dogs.

“We are excited about the applications and are pleased to be able to offer this dream position to a lucky candidate with exceptional research experience.”

To apply, don’t hesitate and follow this link.

Or if you’re looking for something a little different to market your favorite thing in the world (dogs) then check out our roundup of the possibilities here.

“You can’t wait for opportunities; you have to do it ‘


“I think that as the landscape changes, women need to think outside the box and also become risk takers,” she said. “So, I’ll be speaking at the conference about how this can be done if it’s not excessively dangerous to your health, your children, and all the other responsibilities you have.”

Langley, whose father was a financial advisor, worked for a major bank for ten years before deciding to start her own business. In January 2016 she founded Emerge Capital Management Inc. in the USA, at the end of July 2019 she founded Emerge Canada from Toronto. She is the CEO, founder and majority owner of both.

“It was an incredibly tough road to become the first female ETF fund owner,” she said. “One of the biggest realizations is that you can’t wait for opportunities; you have to do it. “

Langley said it was a turning point when the securities commission allowed her to become the first woman to own an ETF mutual fund company. While she felt honored to be recognized, “It was hair-raising difficult and emotional. But in the end we had wins and that’s really all that matters. Now it is important to ensure that we move forward with smart steps and a talented team. And that’s really the next phase: a jump up. “

When Emerge Canada started in July 2019, it launched five ETF funds because she said, “I felt we had a window of opportunity to really make a mark and that we needed to come out with a swing.” But then “pretty much everything in the world is thrown at us.” There was some regulatory complexity surrounding the US-listed ETF. There was confusion among investors about the U.S.-listed ETFs versus Emerge Canada ETFs from their sub-advisor Cathie Woods of ARK and then the pandemic hit and everyone was forced to work from home. Therefore, Emerge has started many consultant webinars.

Save money this Christmas after the Covid lockdowns


New research shows that 15 million UK adults will save money by spending less this Christmas *, with one in ten Britons fearing they will get into financial trouble this Christmas, according to GoCompare Money.

The study, which asked more than 2,000 people how they handle money this Christmas, also found that just under a third (31%) of respondents say they have to be very careful with their Christmas spending, and 6% become money spend they have not.

A third (34%) say they won’t have any financial problems as Christmas approaches this year, but just under a quarter (22%) of people are worried about their finances, with more than one in ten (12%) saying that they are worried about taking on more debt to fund the celebrations.

People Christmas shopping

People are going to spend less this Christmas

According to the figures, the average Christmas spend on gifts, socializing and food will be £ 602.50, with 18-24 year olds spending the most at £ 712.10 on average and 55-64 year olds spending just over £ 7 spend a little less 530. This is a difficult time to save money.

In terms of spending, almost half of respondents (45%) finance Christmas with their income, one in five (21%) has put money aside and, worryingly, 13% will give up some of their purchases using a credit card.

Commenting on the results, Richard Jones of GoCompare Money said, “As consumers recover from a global pandemic, research shows that people are more careful about not spending too much by planning to spend less, being more careful and not themselves separated from the same amount as usual.

Christmas is supposed to be the best time of the year, but there is always a lot of pressure to inject the money, which it can do at a time of stress rather than goodwill. With gifts to buy, friends to get to know and all the delicious festive food and drinks to enjoy – it is very tempting to get carried away. “

He added, “Most people love to get a bargain and save money, and Christmas is actually the perfect time to do that, especially when finances have been a little unstable during the COVID-19 pandemic. Our results show that Christmas this year will be very different for many people, because the stresses of the last two years have an impact on the wage packages and disposable income. “

Our own financial expert Jasmine Birtles says, “If your research is correct, I’m happy to hear that the British will be spending less this Christmas. Every year I beg people not to spend too much at Christmas and get a terrible debt hangover in January, and every year I see we spend more than last year!

“I very much hope that we will buck the trend at least this year. We talk about Christmas being of peace, love and benevolence for all men, but in practice it is often about debt, desperation and domestic violence. At least if we can keep spending under control this year, many of us will find that our Christmas holidays are as good as we are ready to make and that we can often have a happier time by enjoying Christmas qualities (peace, Love and goodwill) instead of spending £ 100. “

Here we offer a practical guide to saving money all year round.

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