THE INCOME TAX PLANNING NETWORK personal finance Archives

Loan vs. Credit Card: Which Should I Get?

Posted by Willow Tufts | Posted in Financial Advisement, Personal Finance | Posted on 21-06-2016

Tagged Under : bad credit, bad credit loan, credit, credit card, government loan, loan, loans, luxe card, payday loan, personal finance, personal loan, zippy loan, zippy personal loan

Getting strapped for cash is the worst. But when you are in that situation, it is difficult to know what is the right route for you and your wallet. When you need to borrow money to cover an expense, you might consider a credit card or a personal loan. Deciding which is better depends on your situation. Lets weigh your options.

Why Credit Card?

Because of their high interest rates, credit cards are best for short-term financial needs. Use a credit card only for purchases that you’ll be able to pay off by the due date, like daily expenses or monthly bills.

You could use cash or your debit card for these same purchases, but credit cards have benefits outside of free short-term financing. Many cards come with cash or travel rewards — typically ranging from 1% to 2% of what you spend — as well as certain perks you won’t get with cash or debit.

There are also credit card options for those people who are concerned that their bad or lack of credit could make it impossible for them to get a credit card at all. There are credit cards that are specifically designed for the people that have bad or no credit to get the things that they need when they need them.

Why A Loan?

Personal loans are best used for longer-term financial needs. This could include things like expenses for adopting a child, starting a small business or consolidating credit card or other debt. Since personal loans typically have better interest rates than credit cards, they’re a better option if you aren’t able to pay off your balance in full monthly.

If you’re considering using a personal loan to consolidate credit card debt, first assess how long it will take you to pay off the debt. Consolidating credit card debt with a personal loan typically makes sense only if it will take you more than six months to pay off. Otherwise, the amount of interest you’ll save will be negligible at best for the amount of effort to obtain a loan.

There is also great variety when it comes to getting the right loan for your needs:
- There are loans that are proven to be fast and easy to obtain, that are also perfect for people with bad credit or great credit. These loans are perfect for you if you need cash ASAP.
- There are loans specifically designed for people with bad credit to help them get the long term money that they need. While at the same time building their credit score.
- There are government loan options that help people in specific situations like being a veteran or a student.

The Bottom Line

Credit cards are ideal for short-term balances that you can pay off each month, while personal loans are for medium- or long-term debt. They are both outstanding options to help you out of a tight spot. So weigh your options and get yourself the financial help that you need!

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Posted by wpadmin | Posted in Business and Corporations, Financial Advisement, Government, Personal Finance, Taxes | Posted on 09-03-2016

Tagged Under : auto loan, Bankruptcy, business formation, buying a house, credit rating, credit report, credit score, finance, finances, Financial Advisement, getting a mortgage, getting a mortgage loan, getting a personal loan, getting an auto loan, getting approved for a personal loan, I need a personal loan, I need to improve my credit score, loans, mortgage loan, Networking, personal finance, personal loans, positive lines of credit, taxes, zippy loan, zippy personal loan, zippyloan.com

Let’s be honest here: those ‘personal loans’ we keep hearing about get a nasty bad rep in the financial arena, for obvious reasons. Either you can’t ever get approved for one, or they get you into more trouble than you’re already in. So generally speaking, many frown on the American institution known as the personal loan. […]

The post Finding the Right ZIPPY Personal Loan for Your Needs appeared first on THE INCOME TAX PLANNING NETWORK.

The post Finding the Right ZIPPY Personal Loan for Your Needs appeared first on Independent Credit Solutions.

The post Finding the Right ZIPPY Personal Loan for Your Needs appeared first on Cloud Based Bookkeeping.

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Posted by wpadmin | Posted in Business and Corporations, Financial Advisement, Government, Personal Finance, Taxes | Posted on 16-02-2016

Tagged Under : active duty, Bankruptcy, college education, education, education and financial aid, finance, finances, financial aid, government, grants, grants and scholarships, military, Pell Grant, personal finance, scholarships

What about it? Well, it just so happens that while your army ranger of a son or daughter’s serving the country, that same hopeful of yours actually can qualify quite easily for a grant going toward education: the Pell Grant. And getting qualified for the Pell Grant’s quite easy — if you know where to look […]

The post Your Army Ranger Son or Daughter’s Pell Grant Application appeared first on THE INCOME TAX PLANNING NETWORK.

The post Your Army Ranger Son or Daughter’s Pell Grant Application appeared first on Independent Credit Solutions.

The post Your Army Ranger Son or Daughter’s Pell Grant Application appeared first on Cloud Based Bookkeeping.

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Posted by wpadmin | Posted in Business and Corporations, Financial Advisement, Government, Personal Finance, Taxes | Posted on 10-02-2016

Tagged Under : #ITPN, 2-hour tax return, Bankruptcy, business, Business and Corporations, business formation, computer chip, credit card chip technology, credit cards, EMV, finance, finances, Financial Advisement, Income Tax Planning Network, Networking, personal finance, retail, tax return, taxes, tech, technology

As seen here, the expectation is people may be wary about the whole credit card switch thing from magnetized strip to tiny computer chip (especially with credit card fraud always being a problem) despite these three reasons why we shouldn’t be scared. We’re protective over our plastic! However, fear not: this isn’t a change that’s […]

The post Credit Card Chip Technology: It’s Going to Take Awhile appeared first on THE INCOME TAX PLANNING NETWORK.

The post Credit Card Chip Technology: It’s Going to Take Awhile appeared first on Independent Credit Solutions.

The post Credit Card Chip Technology: It’s Going to Take Awhile appeared first on Cloud Based Bookkeeping.

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Posted by wpadmin | Posted in Business and Corporations, Financial Advisement, Government | Posted on 29-09-2015

Tagged Under : #ITPN, Ahmed Mohamed, candidate, Donald Trump, economy, employment, GOP, government, Income Tax Planning Network, jobs, personal finance, Pope Francis, president, Republican, tax cuts, tax plan, tax reform, taxes, theincometaxplanningnetwork.com, U.S., United States

So, listen — ITPN won’t bash. We won’t ridicule, although our country’s known for plenty of political and celebrity satire (how about that comb-over?). But Donald Trump does know the ins and outs of business and finance in a big way, so far be it from us to criticize the Donald for something as grand a scale as this new tax plan he’s proposing as a bid to increase his candidacy on the Republican side.

But we’ll play devil’s advocate here…. It’s only fair. You want to know what’s up with Donald Trump and his new tax plan? Here’s some inside interpretation and speculation about what can happen to you if the Donald’s elected and proposing this new tax plan:

Donald Trump and His New Tax Plan: Huge, Expensive…. And Risky

As Donald Trump would say, you’ve got to think “big.” And this tax plan of his is definitely big. There are a few problems that could arise from implementing this tax plan, although on the surface it does sound good. For starters….

Will It Benefit the Job Economy? Donald Trump Says Yes — We honestly say ‘no’. At least for many Americans at a certain tax bracket. Want to know why the job economy will suffer? Click here.
This Will Be a Tax Plan Costing Trillions of Dollars! — Think about it. Tax revenue is necessary for the government to operate. Why will this plan cost trillions? Find out for yourself….
Everyone Gets a ‘Piece of the Pie’ — Sure, it sounds good to share the wealth, so to speak; but, honestly, you have to know: when it comes to taxes, you can’t please everyone (and you shouldn’t — or can you?).

We Understand, Donald Trump: You Want to Please Everyone

After all, everyone pokes fun at you — the cost of being in the public life as a candidate for, well, public office, and for several other figures in today’s news. Sure, he ends up looking like a whiny baby, and truth be told…. The man might have something here.

That tax plan looks very much like your typical GOP plan with the standard tax cuts and deduction limits you’d expect, but when you learn just by how much this tax plan of Donald Trump goes way out there in a black hole of a financial vacuum, you begin to wonder — will we swallow ourselves up in more debt just for the sake of enjoying our money? Are we putting too much faith like Pope Francis in the prospect of people wanting to spend their hard-earned dollars they’ve kept due to personal finance excellence, perhaps stimulating the economy and maybe looking to advance careers? Possibly.

Talk about a financial leap of faith there. Even Ahmed Mohamed sees this as a “clock” that might not ‘work’ like it should…. Want help with your finances and taxes? Click here to make sure your “clock” continues to work!

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Posted by wpadmin | Posted in Financial Advisement | Posted on 29-04-2015

Tagged Under : advisor, business, consultations, financial adviser, Income Tax Planning Network, Income Tax Planning Network reviews, meetings, personal finance, theincometaxplanningnetwork.com, theincometaxplanningnetwork.com reviews

This may not be a shocker to you, but let’s face it — your finances aren’t an easy fix. Furthermore, cash flow, income, and bills are under constant supervision and maintenance for obvious reasons. Perhaps you can do it on your own, and more power to you; but for those individuals with substantial returns, investments and other revenue streams, it would make sense that you consider financial advisers who don’t bring you in, consult you, advise you, get you set up, and then leave without even a peep. In other words — true financial advisers are not freelancers. They’re long-term consultants.

That’s Why You Ask About “Regular Meetings”

Successful Business Meeting — Image by © Corbis

Of all the questions you must ask financial advisers about their qualifications, this one would determine longevity and overall satisfaction in the long-term — do they meet regularly with their clients? If so, you’re dealing with an adviser who’s dedicated in the long run to financial success for the client, in this case you. And that’s the best outcome for you.

Ask other sub-questions like “quarterly or annual meetings?” and “who’s responsibility is it to schedule the meetings?” In that respect, the good financial advisers I’m speaking of are very much like attorneys-at-law, representing you in everything you do. That’s the kind of service you want, even regarding your tax planning needs.

They’re professional. Available. A phone call away. Anything less is less than you deserve regarding your own finances. You’d be dealing with hacks who may know the industry, but are only in it for the commission and don’t gain the reputation among the competition to ever make it in good standing.

So Says the Income Tax Planning Network

Isn’t it any wonder that we say that? We’re the Network. We’re all about continuous service, convenience, and we’re right there with you to make sure all your needs are met. That’s the mark of truly efficient financial advisers, and you can rest assured — your money’s managed.

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Posted by wpadmin | Posted in Financial Advisement | Posted on 29-04-2015

Tagged Under : adviser, bills, budget, connection, consultation, financial advisor, Income Tax Planning Network, Income Tax Planning Network reviews, meeting, personal finance, referral, theincometaxplanningnetwork.com, theincometaxplanningnetwork.com reviews

This goes without saying for just about any industry out there: when you get a referral to some service or consultation, take it with even a slight grain of salt. Because however beneficial it was for your friend, spouse, uncle, aunt, mother, father, college roommate or coworker — it might not be the same for you. So you want to be sure to ask more questions of relevance to determine if you don’t want to waste your time and move on with the research on speaking with the right financial advisor for your needs. financial advisor questions

The “Financial Referral” Is Tricky

It’s not a scam or anything, though! It’s not like you’re getting the rug pulled out from under you, because for sure that acquaintance of yours is telling the truth, and that professional in the financial advisement industry just might be the best of the best. But you may need just a bit more information. Just to be sure. You need to brainstorm about it.

For instance: you can ask about anything regarding regular meetings — if the financial advisor in question really puts forth the effort in managing the finances continuously — or maybe what designation the adviser has, what certifications and qualifications does he/she possess. The answers you get just might steer you in the right direction for yourself regardless of what your financial referral boasts about the professional.

Just bear in mind: it’s a financial referral. A recommendation. It’s not a commandment you have to follow, no matter the cost, just because your financial referral stakes his or her life on it.

Always Get the Goods on Any Referral You Receive

This is why you must ask questions regarding financial advisement, for sure. You’re staking an investment on a professional who will most likely be responsible for managing your money, your stocks, your bonds, your tax planning and estate planning. Everything. That’s a big deal. Don’t take it lightly, please.

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Life just happens, good or bad, for many families out there in the United States. There’s no denying it. Single mothers, even single fathers: low-income families have a burden on their shoulders where basic bookkeeping becomes a stress of mammoth proportions due to the fact that there’s never enough income generated to pay necessary bills just to make it day by day.

So what has to be in place? Simply put, government aid. It’s almost a necessity for low-income families. But whether you think it’s a crutch or not, and whether many simply seem to take advantage of the benefits offered by the government, one thing is clear — even the families that do work hard seem to only make it by the skin of their teeth, having to pull from their next paychecks to pay back someone who lent money, or robbing “Peter” to pay numerous “Pauls,” because the fact is this — government aid can only do so much in comparison to personal finances (and, yet, there’s so much going into those funds that it may shock you).

Here Are Five Facts That Just Might Blow You Away With Respect to Government Aid and Low-Income Families

Minimum Wage Jobs Don’t Often Guarantee Raises or Even Consistent Workweeks — Take it from many particular employees, most of them part-time, for certain fast-food chains. When the paychecks aren’t the same every other week, that makes budgeting all the more difficult for low-income families. Find out what those figures are right here.
Food Stamps, While Extensive, Can Fluctuate and Also Promote Bad Health — Think about it for a moment. There’s a lot of money already going into the fund, but the big problem is just what you can exactly buy with your food stamps. This is typically how it would work for a single mother with a low wage of $7.50/hour.
Yes, Low-Income Families Do Put Their Share Into Child Care Benefits — As much as they can possibly put into it, at least…. Given the kind of income they’re literally forced to bring in. Want to know just what they could be responsible for each week?
Additionally, Low-Income Families Do Put Their Share Into Rent and Housing Costs — Granted, there are no handouts. But the numbers might actually shock you when you put it into perspective like this.
Medicaid Will Only Provide for “so Much” to the Point That You’ll Just Want to Get By — It’s basic health insurance. But it’ll only cover certain procedures, prescriptions and other costs, plus there’s still some out-of-pocket concerns at such a low minimum wage that make Medicaid a bit laughable (not due to the government’s lack of assistance, though, and you’ll see why right here).

What Do These Facts Mean to You? That They Prove Benefits Don’t Benefit?

On the contrary…. They certainly make their mark. If it wasn’t for these programs, you’d have single parents on minimum wage or low-income families stuck in homeless shelters without any way to make the rent payment. That’s just a matter of fact….

But when you’ve got a certain fast-food chain making anywhere around $4.8BB in annual profits, it begs the question about employment — why not pay your workers what they earn with all the hours they put in, or want to put in, so they can get off of government aid and not have to pick and choose on their expenses?

Your average low-income worker will have just over $6K in annual income and about $11K in benefits for food, rent and child care. How’s that for a perspective on low-income families?

ITPN recognizes there’s a problem with the current system we have in place. So let’s fix it. Now.

So what has to be in place? Simply put, government aid. It’s almost a necessity. But whether you think it’s a crutch or not, and whether many simply seem to take advantage of the benefits offered by the government, one thing is clear — even the families that do work hard seem to only make it by the skin of their teeth, having to pull from their next paychecks to pay back someone who lent money, or robbing “Peter” to pay numerous “Pauls,” because the fact is this — government aid can only do so much in comparison to personal finances (and, yet, there’s so much going into those funds that it may shock you).

Here Are Five Facts That Just Might Blow You Away With Respect to Government Aid and Low-Income Families

Minimum Wage Jobs Don’t Often Guarantee Raises or Even Consistent Workweeks — Take it from many particular employees, most of them part-time, for certain fast-food chains. When the paychecks aren’t the same every other week, that makes budgeting all the more difficult for low-income families. Find out what those figures are right here.
Food Stamps, While Extensive, Can Fluctuate and Also Promote Bad Health — Think about it for a moment. There’s a lot of money already going into the fund, but the big problem is just what you can exactly buy with your food stamps. This is typically how it would work for a single mother with a low wage of $7.50/hour.
Yes, Low-Income Families Do Put Their Share Into Child Care Benefits — As much as they can possibly put into it, at least…. Given the kind of income they’re literally forced to bring in. Want to know just what they could be responsible for each week?
Additionally, Low-Income Families Do Put Their Share Into Rent and Housing Costs — Granted, there are no handouts. But the numbers might actually shock you when you put it into perspective like this.
Medicaid Will Only Provide for “so Much” to the Point That You’ll Just Want to Get By — It’s basic health insurance. But it’ll only cover certain procedures, prescriptions and other costs, plus there’s still some out-of-pocket concerns at such a low minimum wage that make Medicaid a bit laughable (not due to the government’s lack of assistance, though, and you’ll see why right here).

What Do These Facts Mean to You? That They Prove Benefits Don’t Benefit?

Your average low-income worker will have just over $6K in annual income and about $11K in benefits for food, rent and child care. How’s that for a perspective?

ITPN recognizes there’s a problem with the current system we have in place. So let’s fix it. Now.

Here Are Five Facts That Just Might Blow You Away With Respect to Government Aid and Low-Income Families

Minimum Wage Jobs Don’t Often Guarantee Raises or Even Consistent Workweeks — Take it from many particular employees, most of them part-time, for certain fast-food chains. When the paychecks aren’t the same every other week, that makes budgeting all the more difficult for low-income families. Find out what those figures are right here.
Food Stamps, While Extensive, Can Fluctuate and Also Promote Bad Health — Think about it for a moment. There’s a lot of money already going into the fund, but the big problem is just what you can exactly buy with your food stamps. This is typically how it would work for a single mother with a low wage of $7.50/hour.
Yes, Low-Income Families Do Put Their Share Into Child Care Benefits — As much as they can possibly put into it, at least…. Given the kind of income they’re literally forced to bring in. Want to know just what they could be responsible for each week?
Additionally, Low-Income Families Do Put Their Share Into Rent and Housing Costs — Granted, there are no handouts. But the numbers might actually shock you when you put it into perspective like this.
Medicaid Will Only Provide for “so Much” to the Point That You’ll Just Want to Get By — It’s basic health insurance. But it’ll only cover certain procedures, prescriptions and other costs, plus there’s still some out-of-pocket concerns at such a low minimum wage that make Medicaid a bit laughable (not due to the government’s lack of assistance, though, and you’ll see why right here).

What Do These Facts Mean to You? That They Prove Benefits Don’t Benefit?

Your average low-income worker will have just over $6K in annual income and about $11K in benefits for food, rent and child care. How’s that for a perspective on low-income families?

ITPN recognizes there’s a problem with the current system we have in place. So let’s fix it. Now.

Here Are Five Facts That Just Might Blow You Away With Respect to Government Aid and Low-Income Families

Minimum Wage Jobs Don’t Often Guarantee Raises or Even Consistent Workweeks — Take it from many particular employees, most of them part-time, for certain fast-food chains. When the paychecks aren’t the same every other week, that makes budgeting all the more difficult for low-income families. Find out what those figures are right here.
Food Stamps, While Extensive, Can Fluctuate and Also Promote Bad Health — Think about it for a moment. There’s a lot of money already going into the fund, but the big problem is just what you can exactly buy with your food stamps. This is typically how it would work for a single mother with a low wage of $7.50/hour.
Yes, Low-Income Families Do Put Their Share Into Child Care Benefits — As much as they can possibly put into it, at least…. Given the kind of income they’re literally forced to bring in. Want to know just what they could be responsible for each week?
Additionally, Low-Income Families Do Put Their Share Into Rent and Housing Costs — Granted, there are no handouts. But the numbers might actually shock you when you put it into perspective like this.
Medicaid Will Only Provide for “so Much” to the Point That You’ll Just Want to Get By — It’s basic health insurance. But it’ll only cover certain procedures, prescriptions and other costs, plus there’s still some out-of-pocket concerns at such a low minimum wage that make Medicaid a bit laughable (not due to the government’s lack of assistance, though, and you’ll see why right here).

What Do These Facts Mean to You? That They Prove Benefits Don’t Benefit?

Your average low-income worker will have just over $6K in annual income and about $11K in benefits for food, rent and child care. How’s that for a perspective on low-income families?

ITPN recognizes there’s a problem with the current system we have in place. So let’s fix it. Now.

You’re probably wondering how you could possibly make money just from receiving our benefits. Easy. As a member of ITPN, we’ll put it in perspective for you: if you refer just one friend or family member to us each month, this is what you get, right in your pocket: $40 for each referral. income tax family

That’s $480 each year. In your pocket. Get the picture? Makes the Income Tax Planning Network’s $25/month membership seem like pennies when you think about it. And that’s just when you refer only one person a month to us. Want to do the math if you refer five people to us? Or ten people?

How can you not take advantage of this unique benefit?

Thank You for Helping Us Grow Our Family. Your Family.

Thank you for being a part of this family. Please do call our office at 888-203-3030 to set up your free marketing training, starting you off on generating revenue with us right away.

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Loan vs. Credit Card: Which Should I Get?

Posted by Willow Tufts | Posted in Financial Advisement, Personal Finance | Posted on 21-06-2016

Tagged Under : bad credit, bad credit loan, credit, credit card, government loan, loan, loans, luxe card, payday loan, personal finance, personal loan, zippy loan, zippy personal loan

Why Credit Card?

Why A Loan?

The Bottom Line

Finding the Right ZIPPY Personal Loan for Your Needs

Posted by wpadmin | Posted in Business and Corporations, Financial Advisement, Government, Personal Finance, Taxes | Posted on 09-03-2016

Your Army Ranger Son or Daughter’s Pell Grant Application

Posted by wpadmin | Posted in Business and Corporations, Financial Advisement, Government, Personal Finance, Taxes | Posted on 16-02-2016

Tagged Under : active duty, Bankruptcy, college education, education, education and financial aid, finance, finances, financial aid, government, grants, grants and scholarships, military, Pell Grant, personal finance, scholarships

Credit Card Chip Technology: It’s Going to Take Awhile

Posted by wpadmin | Posted in Business and Corporations, Financial Advisement, Government, Personal Finance, Taxes | Posted on 10-02-2016

3 Reasons Why Donald Trump Might Kill the Economy

Posted by wpadmin | Posted in Business and Corporations, Financial Advisement, Government | Posted on 29-09-2015

Tagged Under : #ITPN, Ahmed Mohamed, candidate, Donald Trump, economy, employment, GOP, government, Income Tax Planning Network, jobs, personal finance, Pope Francis, president, Republican, tax cuts, tax plan, tax reform, taxes, theincometaxplanningnetwork.com, U.S., United States

Donald Trump and His New Tax Plan: Huge, Expensive…. And Risky

We Understand, Donald Trump: You Want to Please Everyone

Financial Myths Unplugged: Why Financial Advisers Are NOT One-Timers

Posted by wpadmin | Posted in Financial Advisement | Posted on 29-04-2015

Tagged Under : advisor, business, consultations, financial adviser, Income Tax Planning Network, Income Tax Planning Network reviews, meetings, personal finance, theincometaxplanningnetwork.com, theincometaxplanningnetwork.com reviews

That’s Why You Ask About “Regular Meetings”

So Says the Income Tax Planning Network

Don’t Always Trust Your Buddy on That Financial Referral

Posted by wpadmin | Posted in Financial Advisement | Posted on 29-04-2015

Tagged Under : adviser, bills, budget, connection, consultation, financial advisor, Income Tax Planning Network, Income Tax Planning Network reviews, meeting, personal finance, referral, theincometaxplanningnetwork.com, theincometaxplanningnetwork.com reviews

The “Financial Referral” Is Tricky

Always Get the Goods on Any Referral You Receive

Here Are Five Facts That Just Might Blow You Away With Respect to Government Aid and Low-Income Families

What Do These Facts Mean to You? That They Prove Benefits Don’t Benefit?

Here Are Five Facts That Just Might Blow You Away With Respect to Government Aid and Low-Income Families

What Do These Facts Mean to You? That They Prove Benefits Don’t Benefit?

Here Are Five Facts That Just Might Blow You Away With Respect to Government Aid and Low-Income Families

What Do These Facts Mean to You? That They Prove Benefits Don’t Benefit?

Here Are Five Facts That Just Might Blow You Away With Respect to Government Aid and Low-Income Families

What Do These Facts Mean to You? That They Prove Benefits Don’t Benefit?

Thank You for Helping Us Grow Our Family. Your Family.