Early Withdrawal Penalty Exemptions on IRAs

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IRAs aren’t just for retirement anymore. You can use proceeds from your IRA to cover a wide range of specific expenses, and the dreaded 10% early withdrawal penalty will not apply. You will still have to pay the regular income tax on the distribution in most cases, but since you most likely got a deduction as a result of the contribution, this is only fair. Here are some of the more common early withdrawal penalty exemptions for IRAs.

Thrift Shopping 101

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Maybe you've tried thrift shopping before and had a bad experience or didn't find anything you wanted. If you've never gone thrift shopping, stepping into a thrift store can be intimidating. You could become overwhelmed by the amount of inventory or fear the horror stories about secondhand clothing. These tips can make you more confident in finding your treasure for a great price that fits your budget.

The First Rule of Home Buying: Buy Less House than You Can Afford

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A home is a very large, long-term investment. The biggest decision you will make about it will be made at the time you buy it. All other decisions you make later will be governed by what you did at closing time. It’s not a stretch to say that buying less house than you can afford could be the single biggest financial decision you will make.

5 Wardrobe Items Worth Purchasing

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Some people say it's better to have a small wardrobe of high-quality items, but some people like having a bigger wardrobe with less expensive items for variety. The quality and size of your wardrobe depends on your lifestyle, but I think we can all agree the following items are staples in every person's wardrobe. It's worth saving a bit more money for a higher quality product when you wear it everyday. So here are some wardrobe items worth purchasing, once you have the money, of course.

5 Easy Ways to Save Money on Textbooks

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There are a lot of ways that you can save money on textbooks, especially now that certain forms of technology are so readily available to the average student. Here are some great tips to help you save some cash!

Not Enough Money for Retirement? Start a Business!

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It’s always important to save as much for retirement as you can, and if you can’t you’ll need to have a solid Plan B lined up just in case. One of the best backup plans you can have for retirement is owning your own business and there are several reasons why.