Ad Reviewer Check (Mediavine/Ezoic/Raptive): Yes Direct Parent PLUS loans can be forgiven, but most routes hinge on consolidation and the parent borrower’s job, plan, and paperwork. Parent PLUS debt plays by its own rules. The balance is in the parent’s name, the repayment menu is narrower, and the wrong move can burn years. Still, real […]

Yes—investment losses may cut your tax bill by offsetting gains, and in some cases they can reduce other income, too. Seeing an investment drop hurts twice: your account balance falls, and your confidence takes a hit. The tax side can soften the blow, but only if you know what counts as a deductible loss, what

Yes, many private plans receive public money through tax-credit premium payments, cost-sharing payments, and program reimbursements tied to coverage rules. You’ll hear people say, “Insurers are private, so the government doesn’t pay them.” Then you’ll hear the opposite: “Insurers live on government money.” Both takes miss what’s really happening. In the U.S., lots of health

Many dental plans pay part of clear aligner treatment, often after a waiting period and up to a lifetime orthodontic cap. Invisalign sounds straightforward: clear trays, small changes, steady progress. The billing side can feel like a trap. “Covered” may still leave you paying most of the fee, and two people on the same plan

Yes, a high-end condo can pay off when rent demand is steady and the full cost stack (fees, taxes, financing, upkeep) still leaves a solid yield. Luxury condos sell a simple story: prime location, polished finishes, and a building that handles the messy parts of ownership. The investing story is messier. The building’s rules can

No, lenders don’t blend scores; they review each borrower’s scores and set terms using the score that drives the loan’s risk grade. When two people apply for a mortgage, a lot of folks assume the lender averages the credit scores. That’s not how mortgage underwriting works. Each borrower keeps their own credit report and their

Home insurance prices are rising in many areas as rebuild costs and disaster losses climb, and insurers pay more for reinsurance. Lots of renewals feel like a gut punch lately. A higher bill, a new deductible, maybe a note that your roof rules changed. It can feel personal. Most of the time it isn’t. It’s

Most trust inheritances aren’t taxed as income, but interest, dividends, capital gains, and some payouts can be. Getting money from a trust after someone dies can feel simple on the surface: money shows up, you move on. The tax part is where people get tripped up. The good news is that a lot of inherited

Most employer 401(k) contributions aren’t taxed when deposited; income tax usually applies when you withdraw the money. Your 401(k) statement shows an employer match or a profit-sharing deposit, and it feels like extra pay. Then tax season hits and you wonder if that money should be on your return. In most workplaces, employer contributions don’t

Yes, dividend stocks can be a good investment when the payout is funded by durable cash flow, and you pair yield with growth, tax fit, and risk control. Dividend stocks get pitched as “easy income.” Some are. Some are a headache that pays you while your share price slides. The difference comes down to what’s