TessMore Finance Blog

If you received a state stimulus check in 2022, you may be wondering, as you prepare your taxes, if those payments are considered income and thus taxable at the federal or the state level. Fortunately, the IRS issued a statement in early February that will help answer your question. In short, most of the payments are considered “general welfare and disaster relief payments” and may be excluded from income for federal income tax purposes. In some states, they are considered a refund of state taxes paid and excluded from income for federal tax purposes unless you received a tax benefit in the year the taxes were deducted. Most payments are not going to be taxed at the federal level. Let’s dig into the states: Table of Contents States that issued General Welfare and Disaster Relief Payments States that issued Refund of State Taxes Paid Minnesota Frontline Worker Pay Other payments States that issued General Welfare and Disaster Relief Payments The IRS determined that the

Many cryptocurrency exchanges offer sign-up bonuses to draw potential customers. You can receive free Bitcoin or funds you can use to purchase your preferred altcoin, depending on the offer. The terms and conditions vary, from the bonus amounts to the qualifying criteria. Most exchanges will pay you a few dollars for completing your first trade. However, the more valuable promotions may allow you to receive up to $500 or more, in line with many stock brokerage bonuses . Here is a list of the sign-up bonuses covered in this article: Binance.US : $10  Coinbase: $5 Crypto.com : $50 eToro: $10 Gemini: $10 KuCoin: Up to $500 Phemex: Up to $6,500 Plynk: Up to $100 SoFi : Up to $100 Tastytrade : Up to $2,000 TradeStation : $150 Table of Contents Best Crypto Sign-Up Bonus Offers Binance.US Coinbase Crypto.com eToro Gemini   KuCoin Phemex Plynk SoFi Tastytrade TradeStation FAQs What Is the Best Crypto Sign-Up Bonus? Best Crypto Sign-Up Bonus Offers Cry

Hi, Ramit here. Thanks for signing up and taking the next step on your journey to launch a successful online business. This brainstorming checklist is different than most because it will help you create a list of highly profitable business ideas and teach you how to quickly filter out the ideas where there is no […] The post My checklist for finding a profitable business idea appeared first on I Will Teach You To Be Rich . from I Will Teach You To Be Rich https://ift.tt/fVpa1O7

Traditional banks aren’t always the best option, as their fees are often higher, and you can’t always maximize the benefits. In addition, the membership requirements can also be challenging if you don’t have a clean financial history. Thankfully, there are alternatives, like Spruce Money . Spruce offers free mobile banking and other hands-on tools to make saving money easier. For example, you can earn cash back at merchants, get free overdraft protection, and make savings goals. But how does Spruce compare to other online banks, like Chime and Current? In this Spruce Money Review, I’ll cover the various features and benefits, pros and cons, and share a few Spruce alternatives, to help you decide if Spruce is worth it. Table of Contents What Is Spruce Money? Account Opening Requirements Spruce Money Fees Spruce Money Features Spending Account Savings Goals Overdraft Coverage Cash Back Offers Fee-Free ATMs Early Payday Free Credit Score Spruce Money Pros and Cons P

If you have a checking or savings account at a large brick and mortar bank, you’re making nearly nothing in interest. The rates are abysmal… and they know it. They will never increase it. They expect some of you to keep your cash there and they boost their profits. They also expect the savvier customers to move your money. The industry term is “cash sorting,” when people realize they’re earning nothing on their cash and move them into higher yielding assets. Banks expect you to move it to a money market account or to invest it, but they’re not really trying to encourage you to… … because when you leave it in there, they’re happy to get that money and pay you nothing for it! Table of Contents Banks Expect You To Be Lazy Where You Should Put Your Money Don’t Chase Interest Rates Find the Right Investment Banks Expect You To Be Lazy Banks make a lot of money off paying 0% interest rates. Why pay you more when they can pay you less, right? Check out this banger of a slid

Credit score apps make it easy to keep track of your credit from your smartphone or tablet. In addition to regular credit reporting, many credit score apps come with added features, like budgeting and credit-building tools, identity theft protection, and more. But not all credit score apps were created equally. Some of the apps allow you to check your credit score for free , while others charge a fee, and that’s an important distinction. How do you know which credit score app is right for you, and is it worth spending money every month to get your credit score? Below is a list of 10 of the best credit score apps available today. I cover their key features and let you know what we like about them and where each app could be improved. Table of Contents 10 Best Credit Score Apps 1. Cleo 2. Mint 3. myFICO 4. CreditWise 5. Credit Sesame 6. IdentityForce 7. Credit Karma 8. Credit.com 9. Aura 10. CreditWorks by Experian Which Credit Score App Should I Choose?  10 Best

Headlines like “Oprah’s favorite things!” or “Tech gifts for gadget geeks!” have been popping up in your Amazon sidebar for weeks, all of America’s malls are playing “Jingle Bell Rock” on repeat, and your niece just sent you an email with the subject line “WISHLIST — ALL ITEMS HIGH PRIORITY.” That’s right. It’s the holiday […] The post 4 gift-giving tips to give the perfect present this holiday appeared first on I Will Teach You To Be Rich . from I Will Teach You To Be Rich https://ift.tt/AJPGFyv

In photography, “golden hours” refers to the last hour before sunset and the first hour after sunrise. It’s when you get perfect light for the best photos. The light isn’t enough to transform a terrible photo into a great one, but can help a good photo become a great looking one. But the concept of a golden hour isn’t restricted to photography. There are periods in our lives where we experience our own “golden hours.” It is in these transition periods where we can experience to the greatest change, both positively and negatively. Unlike photography golden hours, which are based on sunrise and sunset, golden hours in life aren’t as clearly visible or predictable as the rising and setting of the sun. The challenge is recognizing when you are entering and leaving one of these “golden hour” periods. We’ll look at a few of these moments in an attempt to “reverse engineer” when we’re likely to see these moments and how to take advantage of them. Table of Contents 1. National Econom

With credit card interest rates on the rise, you may be wondering how to lower your credit card interest rate, or if it’s even a possibility.   The interest rates of many popular credit cards are now hovering close to 30%. According to this Forbes article , the average credit card balance in 2022 was roughly $6,000.  Taking that balance and pairing it with a 28% interest rate would take you ten years to pay off that card if you made a payment of $149 each month, but if you can whittle the rate down to just 8%, you can pay off the card in four years with the same payment amount.  Here are some things you can try to lower your credit card interest rate and pay off your debt faster. Table of Contents 1. Negotiate a Lower Interest Rate on Your Credit Card Know Your Position Understand the Bank’s Position Know What to Say on the Call What to Do if You’re Denied 2. Get a 0% Balance Transfer Where to Find a Balance Transfer Card Offer 3. Get Help From an Outside Service 4

R eady to learn more about Branded Surveys , the top-notch survey platform that rewards its users with cash and gift cards for taking surveys? We’ve got you covered! In this article, we’ll examine the advantages, drawbacks, and other features of Branded Surveys so you can gain an unprejudiced view of their value. How Much Do Branded Surveys Pay? What’s the Payout? The #1 question readers have is “how much does Branded Surveys pay?” So we won’t beat around the bush. How much money can you make from Branded Surveys? Your earnings depend on the complexity and length of a survey, but most surveys pay between $0.50 and an impressive $5.00! With such generous payments for each completed survey, it’s easy to see why so many people are signing up with Branded Surveys today. What is even better is that when a friend or family member signs up after your referral, your account can receive bonus points. I tried Branded Surveys and earned 110 points in just a few minutes setting up my acco