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What are Annuities and When Should I Start One?

Understanding annuities can be complicated with so many types of annuities available. They’re sold by insurance companies, but they’re referred to as investments. They may be a smart choice for some people, but they’re not for everyone (and they may or may not be right for you). They provide income for life that you won’t outlive, provided you pick the right insurer. You buy an annuity for the long term, knowing it likely won’t outperform the stock market in that time period.
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3 Smart Things to Do with Your Tax Refund to Make It Grow

If you’re one of nearly 126 million people expecting to receive an income tax refund next year (and that’s almost 75% of Americans), that’s probably the largest windfall you’ll receive all year. What will you do with that money? In 2020, the average refund was almost $3,000. More than 65% of refund recipients said they planned to use their refund money paying down debt or spending it on everyday expenses; 15% planned to spend it on a major purchase, like a vacation or big-screen TV.
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What Are Tax Brackets, and How Do They Work?

Understanding income tax brackets can be a difficult task for many taxpayers. But tax brackets are what determine how much taxable income taxpayers need to pay to the Internal Revenue Service each year. That’s why it’s important for everyone to learn about tax brackets, how they actually work, and which tax bracket they’re in, whether they’re married or single.
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What Factors Affect My Credit Score

Let’s look at the numbers: 300, 850, 697. Those aren’t batting averages or bowling scores — they’re the lowest and highest credit score ranges, along with the average credit score in America, respectively. But what are the credit score factors that determine a credit score? What factors have the biggest impact? And what does and doesn’t affect your credit score?
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Should I Give My Kid a Debit Card?

If you’re a parent of a teenage child, you might already be assigning them household chores or yardwork in exchange for an allowance. And if you earned an allowance when you were a kid, you probably got paid by your parents in cold, hard cash. But for today’s teens, times have changed. Today, cash isn’t king — plastic is.

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