I do not believe paying them early by a few days will help. Pay late by a couple and it will hurt however.

The best way to imporve your score that I can think of is pay down any credit cards you have to about 25% of the allowed balance. However, FICO did change their scoring rules not so long ago and I am not a credit adviser.

You will have to check each credit report individually. A mistake on one may not be on the other, and a correction on one may not be corrected on the other either. If you had the reporting company correct the mistake, hopefully they sent the correct info to all the bureaus. If the bureau sent the company a notice to correct, chances are the mistake may still be on the other reports.

A CFP is a certified financial planner. They have taken courses and passed a written exam to earn the alphabet soup after their name. Does certified mean good? Not always, however at least they have put forth the effort to get the education.

When you sign on as an independent contractor, you need to supply the person paying you a W-9. This gives them all the info needed for them to file a 1099 (your w-2 for an independent contractor). No taxes will be taken out, and they will report to the IRS what they paid you.

By setting up a trust, you are essentially doing the same as you are now, except you are setting use and time requirements on the money.

You put the money into a trust to give to someone later in life, or after your death or whatever stipulations you set on the trust. You will no longer be the owner of the trust, and have to file a seperate tax return for each trust you set up. It protects the money or asset in trust from loss by you in legal suits you could be named.

The most important thing a trust does, in my opinion, is require the beneficiary to comply with certain requirements before getting or using the money. If you want the money to go to your Grandchildren, but do not want the mother or father to have it because they may not be responsible enough, you set the money into the trust for the grandchild.

It depends on who you are applying to and what the job entails. Many employers are using a credit score to weed out the 1000’s of applicants. They are assuming that a good credit score means they are responsible in all aspects of their life if they are in their finances. I know plenty of people who are great with money, but I would not trust to watch my dog.

Since the home is a capital asset, you would only have the capital gains to report on the schedule D. This is assuming that selling homes is not your profession.

In order to adjust your income from what you filed, you will need to file an amended return. Is the income reported on a W-2 or 1099? Was federal tax taken out? All these need to be considered when looking at the cost of the amended return being done by someone, or doing it yourself. If you had someone do your taxes, have them do the amended return for you. They will have all the necessary info to do it.

Speaking from personal experience, yes. Any house or apartment can catch on fire, and then you have nothing. Fire does not pick only the shady parts of town.

If the tree was in your neighbors yard, it belonged to him and he is liable for any damage caused by that tree, however your laws may be different than where I live so check with your Sheriffs Office for clarification.

Depending on the fence damage, if you can fix it yourself and the cost is less than your deductible, then fix it. If your neighbor kicks in, it can be a good way to get to know him/her better and maybe make friends by building the fence together.

Typically, no the IRS is not open on the weekends. The open houses are about the only time they are, and then they are not fully staffed and all services may not be available.

To add to what Cora wrote, you need to remember that their is no statute of limitations if fraud is discovered. If you have ever cheated on your taxes, it can come back and bite you at any time.

In the eyes of FICO it is better to leave a balance and continue to pay on it for the rest of your life. All FICO is, is a score of how well you can borrow money. Why would you want to borrow money from someone and pay to do that when you can pay off all your debt and get paid to save money to buy what you need?

As you can tell, I believe in being debt free and paying cash. A debit card and drivers license are the only plastic in my wallet.

A split refund is the term used when you put your refund into more than one account. When you file and get direct deposit into your bank for part of it, part into another bank, or into savings bonds.

When you make a payment, the first thing paid is the interest, and then the principle. If you pay extra, make sure you indicate on the payment coupon, tell the teller, or contact the loan processing center before you make the online payment, and let them know to apply the extra to the principle only.