What I’ve Written Lately

November and December have kept me busy as always. Here’s a look at a few things I’ve written for clients lately.

freelance writer

Credit Karma

Do you usually itemize deductions on your tax return? Tax reform made some pretty big changes to itemized deductions and nearly doubled the standard deduction available in 2018. Check out this piece I wrote for Credit Karma – you just might find that itemizing isn’t your best bet anymore.

Itemized Deductions: Some Things to Know For Your 2018 Taxes

FreshBooks

Your accountant wants you to make the switch to cloud accounting, but how much time will it really save? I put it to the test by timing how long it takes to do certain tasks like invoice clients, record expenses and follow up on past-due invoices the old way versus with cloud accounting. Even in my little one-person operation, the results were pretty dramatic. How much time could you save?

Manual Tracking vs. Cloud Accounting: How Much Time You Actually Save

Parker + Lynch

Is your company struggling to attract and retain top talent? Unemployment is at an all-time low and it’s a candidate’s job market. If you’re trying to fill a vacant position, don’t expect a stack of resumes from qualified candidates willing to compromise on their compensation requirements. You’ll have to be extra persuasive to win them over. I wrote this piece for Parker + Lynch on how to win the hiring game in a tight labor market.

How to Win Top Talent in a Tight Labor Market

LendingTree

Many people dream of building their own home someday, but few people can afford to pay cash for that kind of project. That’s why construction loans come in handy. But getting a construction loan is quite different from getting approved for a traditional mortgage. In this piece for LendingTree, I cover the types of construction loans available and what you’ll need to know to get approved.

Understanding Construction Loans

That’s just a small sample of the things I’ve written lately. Thanks for checking them out!

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Mortgage APR vs. Interest Rate: What’s the Difference?

One of the things I like most about writing about personal finance topics is getting the chance to learn things I didn’t know previously. I’ve bought three homes over the years while I noted that my lenders provided both an interest rate and an APR, I never asked about the difference between those two numbers.

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Photo by Sergey Zolkin on Unsplash

 

Recently, I had the chance to answer that question for Lending Tree. It made me wish I could go back in time and take a closer look when I bought my mortgage!

Check out my article: Mortgage APR vs. Interest Rate: What’s the Difference?

What’s something you wish you knew before you bought a home?

Understanding the Costs of Your Mortgage

If you’ve ever applied for a mortgage, you probably received either a Good Faith Estimate or a Loan Estimate. If you’re like most of the clients I’ve worked with over the years, you just asked the lender what your monthly payment would be and shoved the Loan Estimate in a drawer.

 

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Image: Scott Webb via Unsplash

But that lengthy and confusing piece of paper is actually pretty important for understanding the real cost of your loan.

 

Lending Tree recently asked me to write a guide to understanding the costs of your mortgage. If you’re in the process of buying a home – or thinking of buying one in the future – give it a read!