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Amelia Josephson

Mortgage, Home Buying and Credit Card Expert

Amelia Josephson is a writer passionate about covering financial literacy topics. Her areas of expertise include retirement and home buying. Amelia's work has appeared across the web, including on AOL, CBS News and The Simple Dollar. She holds degrees from Columbia and Oxford. Originally from Alaska, Amelia now calls Brooklyn home.

Posts by Amelia Josephson:

by Amelia Josephson May 15, 2019

Charlotte is the largest city in North Carolina and has a population that’s growing quickly. Between 2010 and 2015, Census Bureau records indicate that Charlotte’s population grew by 12.4%. Of course, any time there’s population growth, the associated area’s cost of living tends to rise as well. Despite these increases, the housing market in Charlotte appears to have some opportunities for buyers. Read more

by Amelia Josephson Mar 17, 2021

President Trump signed the Tax Cuts and Jobs Act, into law in December 2017. This bill largely didn’t affect individual income taxes until the 2018 tax year, which you filed in early 2019. How exactly the Trump tax plan affects you depends on your income, your current filing status and the deductions you take. But because of tax code changes, you might want to work with a financial advisor to optimize your tax strategy for your financial goals. Take a look at the following guide to help you better understand the main features of the new tax plan. Read more

by Amelia Josephson Dec 05, 2016

The holidays are always a busy season for charities around the world. Many people save their giving for the end of the year, or make charitable contributions in lieu of buying holiday presents. If you’re in the market for charity ideas for holiday giving, check out the list below. There’s not a dud charity in the bunch.  Read more

by Amelia Josephson Dec 02, 2016

Even the most amicable of divorces generally involve some kind of expense. The average cost of a divorce varies greatly based on how complicated the case is and on the kind of divorce you seek. At… Read more

by Amelia Josephson Dec 01, 2016

If you buy or lease a car, you’ll need to arrange for insurance coverage. Not only is it the law in most states, it will also protect your bank account in the event of an accident. However, if you’re… Read more

by Amelia Josephson Dec 06, 2018

Intrigued by the Green Mountain State? Thinking of moving to Vermont? Vermont has experienced slow population growth in recent years, but that doesn’t mean it’s not worth putting on your list of… Read more

by Amelia Josephson Apr 10, 2017

The average salary of a registered nurse is $67,490. You may have heard that there is high demand for nurses these days. The nursing field is growing quickly and some experts are predicting a coming… Read more

by Amelia Josephson Jul 09, 2019

Say you own an investment property that you rent out to tenants. You probably want some form of insurance coverage for your property. Landlord insurance rolls multiple forms of coverage into one… Read more

by Amelia Josephson Aug 20, 2018

Thinking of moving to Virginia? You’re not alone. The state has a reputation for a well-educated population and a strong job market. Of course, there’s more than one way of living a Virginia life.… Read more

by Amelia Josephson Mar 03, 2017

Are you starting to think it might be time for a change? Moving to a new city can be a great way to shake up your professional and social life. It’s good to feel comfortable in your surroundings, but… Read more

by Amelia Josephson Apr 10, 2017

The average salary for a teacher in the U.S. ranges from $54,550 to $72,470. Educators’ salaries can vary greatly based on their credentials, on what they teach and where they work. In general,… Read more

by Amelia Josephson Dec 12, 2019

Have you ever wondered how city governments pay for big infrastructure projects? One method is called tax increment financing. Essentially, it means banking on the increase in property tax revenue… Read more

by Amelia Josephson Mar 18, 2021

Thinking of moving to Tennessee? You can head to a vibrant city like Memphis or Nashville, or opt for a quiet life in the Appalachian Mountains. Tennessee offers a rich culture, natural beauty and a… Read more

by Amelia Josephson Jun 25, 2018

Even if you’ve opted to go paperless on things like bank statements, you probably still receive important mail related to your finances. These could be medical bills, old tax returns or explanations… Read more

by Amelia Josephson Jan 25, 2021

The homestead tax exemption applies to property taxes. It’s generally a dollar amount or percentage of the property value that is excluded when calculating property taxes. The amount or percentage… Read more

by Amelia Josephson Mar 18, 2021

If you own a home, you’re no stranger to property taxes. There are property tax breaks for seniors, people with disabilities and other protected classes, but did you know that there are agricultural… Read more

by Amelia Josephson Nov 14, 2016

Are you starting a new job, or about to start your first job? You, my friend, are in for some serious adulting. One of your first tasks at your new gig will be to set up your benefits. If you put off… Read more

by Amelia Josephson Mar 17, 2021

A tax amnesty is an opportunity for people who owe back taxes to pay some or all of what they owe, often with some penalties and interest waived. In the U.S., tax amnesty often takes the form of a… Read more

by Amelia Josephson Aug 20, 2018

Between 2010 and 2015, the population of South Carolina increased by 5.9%. The state’s population is expected to hit the 5 million mark by the 2020 census. Are you thinking of moving to South… Read more

by Amelia Josephson Nov 10, 2016

What’s the difference between tax avoidance and tax evasion? One is legal and the other is not. Tax avoidance means using the legal means available to you to decrease your tax liability. Those means… Read more

by Amelia Josephson Jul 23, 2019

You hear a lot about income inequality in the U.S. (particularly in election years), but there’s a wealth gap in this country that some analysts say is even more concerning than the income gap. Let’s… Read more

by Amelia Josephson Jan 22, 2021

Taking higher education classes, whether in pursuit of a degree or to acquire additional professional skills, is something the government wants to encourage. To that end, the IRS offers tax credits… Read more

by Amelia Josephson Nov 04, 2016

Opening a franchise can be a lower-risk way to start a small business, but it’s not for everyone. For one thing, franchisees have to abide by company rules and the terms of their licensing agreements… Read more

by Amelia Josephson Jul 05, 2018

Our incomes, the money we receive as compensation for the paid work we do, varies according to several factors. The type of job we do, the amount of training and experience we have, the resources of… Read more

by Amelia Josephson Jun 06, 2018

Unlike most states, Maine has had a fairly flat population in recent years. New residents are barely offsetting the residents the state loses each year, though the southern half of the state is… Read more