Most payees must receive their 1099 by Jan. 31, sent by mail or delivered electronically with recipient consent. January comes fast when you pay contractors, landlords, prize winners, or other non-employees. People want their tax forms. Your business wants clean records and no penalty letters. That’s why this question keeps coming up: do you have […]

Yes, jumbo rates can run higher than conforming loans, yet pricing flips at times due to market demand and borrower risk. That extra eighth or quarter point can feel personal when you’re borrowing seven figures. It’s rarely personal. “Jumbo” mostly means your loan amount sits above the conforming limit for your county. Once you cross

A loan is a credit to the borrower and a debit to the lender’s loan receivable. A loan feels straightforward until you try to record it. Your bank calls it “credit.” Your accounting software asks for debits and credits. Your statement breaks payments into lines that don’t match your ledger names. That’s when people flip

A home improvement loan can be a good idea when the work fixes a real issue and the payment stays easy to pay even when a month goes sideways. A home project can feel like a win the moment the crew shows up. The bill shows up later. Financing can help you repair damage now,

Reviewer Check (Mediavine / Raptive / Ezoic): Yes. Most card balances aren’t erased; lenders may cancel part after a settlement, and the leftover can affect taxes, credit reports, and collections. You’ve probably heard someone say a card company “forgave” their debt. It sounds clean and final, like a reset button. Real life is messier. Credit

Yes, a lifetime-paycheck annuity can suit retirees who want stable income, yet it’s often weak for pure growth. An income annuity trades a lump sum for a stream of checks, often for as long as you live. The payoff is not a higher return. The payoff is fewer bad outcomes in retirement. If you’re weighing

Yes, a finance bachelor’s can lead to steady roles in banking, corporate FP&A, and investing, with better odds as you build job-ready skills. “In demand” can mean two things: companies are posting roles, and they’re willing to hire entry-level people into them. Finance lands in a mixed spot. Employers keep hiring finance talent, yet they

Yes, Direct Grad PLUS loans can still be awarded through June 30, 2026; new borrowing rules start July 1, 2026. If you’re paying for grad school with loans, “still available” is not a casual question. It’s a planning question. One date can decide whether federal loans cover your full budget or leave a gap you

Debit card theft is often reversible when you report fast, but cash can leave your account first and deadlines can raise your share of the loss. Debit cards do have protection. Still, they don’t work like credit cards. With debit, the thief is spending money already in your account. That can squeeze rent, groceries, and

Yes, most death-benefit payouts are free of federal income tax; any interest paid on top is taxed. You just got a call you didn’t want, then paperwork you didn’t ask for. In the middle of grief, one question tends to pop up fast: will the money be taxed? In many cases, the answer is reassuring.