Home Owners - 360 Degrees of Financial Literacy http://www.360financialliteracy.org/Life-Stages/Home-Owners en-US Home Staging: Getting Your Home Ready to Sell http://www.360financialliteracy.org/Topics/Home-Ownership/Selling-a-Home/Home-Staging-Getting-Your-Home-Ready-to-Sell http://www.360financialliteracy.org/Topics/Home-Ownership/Selling-a-Home/Home-Staging-Getting-Your-Home-Ready-to-Sell In today's competitive housing market, your home's appearance plays an important role in determining how quickly it will sell. Before you put your home on the market, many real estate professionals recommend doing at least some form of home staging.

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Wed, 23 Apr 2014 13:33:49 EDT
The Financial Realities of Relocating http://www.360financialliteracy.org/Topics/Home-Ownership/Home-Basics/The-Financial-Realities-of-Relocating http://www.360financialliteracy.org/Topics/Home-Ownership/Home-Basics/The-Financial-Realities-of-Relocating With the housing market and overall economy starting to improve, more Americans are packing up and relocating. According to the U.S. Census Bureau, the number of people moving for a new job or transfer numbered 3.5 million in 2011-2012, up from 2.8 million the previous year. Whether you're planning to move for a new job or transfer, or you're accompanying a spouse or partner who has accepted a new position, it's important to consider how your new location will impact your bottom line. 

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Tue, 17 Sep 2013 11:09:14 EDT
It's Time to Review Your Life Insurance Needs http://www.360financialliteracy.org/Topics/Insurance/Life-Insurance/It-s-Time-to-Review-Your-Life-Insurance-Needs http://www.360financialliteracy.org/Topics/Insurance/Life-Insurance/It-s-Time-to-Review-Your-Life-Insurance-Needs Your life insurance needs may change without you even realizing it. You may have purchased life insurance years ago, and never gave it a second thought. Or, you may not have life insurance at all--and now you need it. When your life circumstances change, you have a fresh opportunity to make sure the people you love are protected.

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Tue, 17 Sep 2013 11:01:17 EDT
Deducting Costs Associated with Refinancing a Mortgage Loan http://www.360financialliteracy.org/Topics/Home-Ownership/Mortgages/Deducting-Costs-Associated-with-Refinancing-a-Mortgage-Loan http://www.360financialliteracy.org/Topics/Home-Ownership/Mortgages/Deducting-Costs-Associated-with-Refinancing-a-Mortgage-Loan Now more than ever, homeowners are taking advantage of historically low interest rates and refinancing their mortgage loans. Did you pay points to your lender when you refinanced your loan? If so, you may be able to deduct them.

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Thu, 21 Mar 2013 11:55:57 EDT
The American Taxpayer Relief Act of 2012 http://www.360financialliteracy.org/Topics/Recent-Legislation/Tax/The-American-Taxpayer-Relief-Act-of-2012 http://www.360financialliteracy.org/Topics/Recent-Legislation/Tax/The-American-Taxpayer-Relief-Act-of-2012 The new year started with some political drama, as Congress passed legislation on January 1, 2013, to prevent the country from going over the "fiscal cliff." The American Taxpayer Relief Act of 2012 (ATRA) permanently extends a number of major tax provisions and temporarily extends many others. The legislation also temporarily postpones major automatic spending cuts that were scheduled to take place at the beginning of the year. Here's what you need to know.

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Tue, 19 Feb 2013 20:32:04 EST
Should You Make Large Gifts in 2012? http://www.360financialliteracy.org/Topics/Budgeting-Spending/Charitable-Giving/Should-You-Make-Large-Gifts-in-2012 http://www.360financialliteracy.org/Topics/Budgeting-Spending/Charitable-Giving/Should-You-Make-Large-Gifts-in-2012 Currently, the exemptions for federal gift tax, estate tax, and generation-skipping transfer (GST) tax are at historic highs, and the gift, estate, and GST tax rates are at historic lows. But, in 2013, the exemptions are scheduled to substantially decrease, and the tax rates are scheduled to substantially increase. This raises the question of whether 2012 might be a good time to make large gifts that take advantage of the current exemptions while they are still available.

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Tue, 18 Sep 2012 16:28:07 EDT
Hidden Taxes: What Is Your True Cost? http://www.360financialliteracy.org/Topics/Taxes/Paying-Taxes/Hidden-Taxes-What-Is-Your-True-Cost http://www.360financialliteracy.org/Topics/Taxes/Paying-Taxes/Hidden-Taxes-What-Is-Your-True-Cost We are pretty well aware of the taxes we must pay as U.S. citizens; income taxes, payroll taxes, sales taxes, property taxes, and gift and estate taxes, to name a few. We can easily see these taxes on our pay stubs, tax bills, and sales receipts. But there are other taxes imposed on us that you may not be aware of. They are "hidden taxes."

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Tue, 15 May 2012 15:49:07 EDT
Total Tax Insights Calculator http://www.360financialliteracy.org/Topics/Taxes/Paying-Taxes/Total-Tax-Insights-Calculator http://www.360financialliteracy.org/Topics/Taxes/Paying-Taxes/Total-Tax-Insights-Calculator Where you live, what kind of car you drive, how you shop – all can have a significant impact on the taxes you pay. All told, there are more than 20 types of taxes – some that may surprise you – and knowing which you pay and how much you pay can affect not only your current financial picture but your future plans as well.

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Tue, 15 May 2012 11:19:43 EDT
Pay Down Debt or Save and Invest? http://www.360financialliteracy.org/Topics/Budgeting-Spending/Budgeting-and-Saving/Pay-Down-Debt-or-Save-and-Invest http://www.360financialliteracy.org/Topics/Budgeting-Spending/Budgeting-and-Saving/Pay-Down-Debt-or-Save-and-Invest There are certainly a variety of strategies for paying off debt, many of which can reduce how long it will take to pay off the debt and the total interest paid. But should you pay off the debt? Or should you save and invest? To find out, compare what rate of return you can earn on your investments versus the interest rate on the debt. There may be other factors that you should consider as well.

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Tue, 15 May 2012 09:57:03 EDT
Four Money Mistakes You Might Be Making http://www.360financialliteracy.org/Topics/Budgeting-Spending/Budgeting-and-Saving/Four-Money-Mistakes-You-Might-Be-Making http://www.360financialliteracy.org/Topics/Budgeting-Spending/Budgeting-and-Saving/Four-Money-Mistakes-You-Might-Be-Making Three years after the economic crisis led many Americans to re-evaluate their financial picture, economic uncertainty is still the norm. While there's little you can do about the shaky economy, you can help stabilize your own finances over the long term by evaluating what you're doing right, and wrong. There's no guarantee, but avoiding these four money mistakes may help you survive and ultimately thrive in any turbulent economy.

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Mon, 12 Mar 2012 11:48:54 EDT