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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 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 Carolina? You’re not alone. Here are 15 things to know before moving to South Carolina.  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 include deductions, credits and tax-advantage accounts. Tax evasion, on the other hand, means taking illegal steps to shrink or eliminate your tax liability.  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 take a look at the wealth gap and why it’s an important tool for understanding Americans’ financial lives.  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

by Amelia Josephson Sep 25, 2017

According to the 2013 FDIC (Federal Deposit Insurance Corp.) National Survey of Unbanked and Underbanked Households, 7.7% of households in the U.S. were unbanked, meaning that they had no bank… Read more

by Amelia Josephson Jan 25, 2021

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 Jan 15, 2020

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 Aug 20, 2018

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, 2021

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 couldn’t provide the care… Read more

by Amelia Josephson Apr 16, 2021

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 Dec 19, 2018

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 Oct 14, 2016

The number of Americans who work from home at least some of the time has risen steadily over the years. In 2015, Gallup found that 37% of Americans have telecommuted, up from 9% in 1995.… Read more

by Amelia Josephson Jan 21, 2021

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 May 21, 2018

The population of the state of Arizona grew by 6.8% between 2010 and 2015. It’s one of the 10 fastest-growing states in the country. Are you considering moving to Arizona? Maybe you’re drawn by the… 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 May 21, 2018

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

by Amelia Josephson Aug 20, 2018

Over 10 million people live in North Carolina, a fast-growing state with highly productive pockets such as the Research Triangle. The Tar Heel State combines natural beauty with technological… Read more

by Amelia Josephson Oct 05, 2016

A credit card grace period gives you a chance to pay your credit card bill before interest and fees kick in. There’s always a little time between when your billing cycle ends and when your payment is… Read more

by Amelia Josephson Apr 14, 2021

A Ponzi scheme is a kind of investment scam in which investors of longer standing are paid with the buy-in contributions of newer investors. To avoid collapse, a Ponzi scheme must secure a continual… Read more