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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 Apr 20, 2022

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 low cost of living. Are you convinced? Here are 15 things to know before moving to Tennessee. Consider working with a financial advisor as you make decisions about where to move and when to move. Read more

by Amelia Josephson Oct 01, 2022

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 of benefits from your insurance companies, for example. So how do you know which documents you should shred? Take a look at our guide.  Read more

by Amelia Josephson Jan 12, 2022

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 depends on the state, as does who is eligible for the exemption. In some states, every homeowner gets the tax exemption, while in other states, eligibility depends on income level, property value, your age or if you’re disabled or a veteran. One thing that is true in every state that has a homestead tax exemption, however, is that the home has to be a primary residence. Most states offer the homestead tax exemption. Taxes are one of many factors to keep in mind when you become a homeowner. Consider working with a financial advisor who can help you manage the financial aspects of homeownership. Read more

by Amelia Josephson Apr 12, 2022

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 Jan 19, 2022

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 Sep 13, 2022

If you are thinking of moving to South Carolina, you are not alone. South Carolina enjoys a mild climate and is an affordable state, with some of the lowest property and gas taxes in the nation. The… 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 Nov 03, 2022

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 21, 2022

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 Aug 25, 2022

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 Mar 08, 2022

Unlike most of the U.S., 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

by Amelia Josephson Jan 18, 2022

If you’re designated the executor of someone’s estate, you may need to file Form 1041 to declare the income from that person’s estate (or hire someone to file the form for you). Form 1041 isn’t a… Read more

by Amelia Josephson Aug 24, 2022

Did you go to a school that required uniforms? Do your kids wear school uniforms now? If you answered “yes” to either question, you probably have strong feelings about uniform requirements in schools… Read more

by Amelia Josephson Apr 04, 2022

Do you have Georgia on your mind? Ready to move to a state where the tea is sweet and the trees drip Spanish moss? With a population of over 10 million people and a growing political profile as a… Read more

by Amelia Josephson Jan 21, 2022

Hiring someone to care for your loved one so you can continue working is a common practice in the U.S. If a child, spouse or other household member requires care and you can’t provide the care… Read more

by Amelia Josephson Aug 24, 2022

Some praise globalization for opening borders and connecting cultures and politics. Others blame it for disrupting local economies and eliminating jobs. The fact is that globalization has been around… Read more

by Amelia Josephson Apr 06, 2022

Montana is known for its natural beauty. You may have seen scenes shot in Montana if you saw the films “A River Runs Through It” or “The Horse Whisperer.” Broad swathes of the Montana country is not… Read more

by Amelia Josephson Oct 19, 2016

IRS Form 2106 (Employee Business Expenses) is the form that lets you deduct business expenses you incurred during the tax year. So if you traveled for work or otherwise spent your own money on… Read more

by Amelia Josephson Oct 19, 2016

“Family Support Services” is the term the U.S. Department of Health and Human Services uses to describe state and local programs aimed at helping families succeed. These programs can focus on… Read more

by Amelia Josephson Oct 14, 2016

Arbitrage is the buying and selling of assets, profiting from the price difference between the price paid to buy and the price at the time of sale. In a successful arbitrage deal, the turn-around… Read more

by Amelia Josephson Jan 21, 2022

We all know that the cost of higher education is steep and getting steeper. If you’re not relying solely on student loans or grants and are instead paying some of your own money toward tuition and… Read more

by Amelia Josephson Aug 29, 2022

According to U.S. Census data, Arizona is one of the fastest growing states in the U.S. From 2020 to 2021, its population rose to 7.28 million from 7.18 million, a 1.4% growth rate, which lagged only… Read more

by Amelia Josephson Oct 11, 2016

In most cases, when you own a piece of property you have both “surface rights” and “mineral rights.” That means you have a right to build (or not) on the land, and rights to what lies beneath the… Read more

by Amelia Josephson Sep 01, 2022

Do you recycle in your home or office? How about when you’re out on the street or in a park? The recycling rate in the U.S. is around 34% and has been for years. The country has struggled to reach… Read more