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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 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 without quitting your job, you’re not alone. A financial advisor could help you optimize your tax strategy to meet your household needs and financial goals. Depending on your eligibility, you could claim a tax credit to defray the expenses associated with that 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 since ancient times, and it is fully integrated into different aspects of modern life. As a consumer, your clothing, foods and electronic gadgets are often produced by multinational companies located around the world. And as an investor, a financial advisor could help you diversify your portfolio with emerging market funds and other foreign investments. Let’s take a look at some of the advantages and disadvantages of globalization. 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 just beautiful but empty. The state’s population density is the third lowest in the country, behind Alaska and Wyoming. If that sounds like the perfect escape to you, here are 15 things to know before moving to Montana.  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, 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

by Amelia Josephson May 18, 2018

Outsourcing is a hot-button issue in U.S. politics. Politicians and economists want American businesses to increase their profits but some oppose outsourcing as a means to this end. Does outsourcing… Read more

by Amelia Josephson Jan 13, 2020

Oregon’s population hit the 4.09 million mark in 2016. According to the Census Bureau, the state’s population grew by 5.2% between 2010 and 2015 and continues to grow. If you’re thinking about moving… Read more

by Amelia Josephson Mar 17, 2021

Representation in civil lawsuits doesn’t come cheap. In the best-case scenario you’ll be awarded money at the end of either a trial or a settlement process. But before you blow your settlement, keep… Read more

by Amelia Josephson May 06, 2019

SEPP, which stands for substantially equal periodic payments, is a little-known program that can enable you to withdraw money from your IRA or 401(k) before age 59.5 without facing an early… Read more

by Amelia Josephson Sep 23, 2016

We seem to have a fascination with the net worth of celebrities, but the wealthy aren’t the only ones whose net worth is of interest. It’s a good idea to know your own net worth so you can assess the… Read more

by Amelia Josephson Sep 17, 2018

Texas boasts impressive job growth, diverse cities and energy boomtowns. Add the rich culture and the relatively affordable housing and it’s no wonder people are flocking to the Lone Star State. The… Read more

by Amelia Josephson May 21, 2018

Unions are controversial in the U.S. – more controversial, in fact, than they are in other countries. Here in the States, some people tout unions as essential to a strong working class, while others… Read more

by Amelia Josephson Feb 08, 2017

Unless you’re big on luxury hotels, you probably want to spend a modest amount on lodging when you’re traveling. Wondering how to get cheap hotel rates? If you’re really committed to scoring the best… Read more

by Amelia Josephson May 18, 2018

During the 2016 primary season we heard a lot about the issue of free college. Should every American be able to get a bachelor’s degree at no cost? What are the pros and cons of free college? If you… Read more

by Amelia Josephson May 21, 2018

The Sunshine State is a popular destination for those who want to move to warmer climes. Larger cities like Orlando even have some of the top financial advisor firms in the region, helping you to… Read more

by Amelia Josephson Mar 18, 2021

If you have a pension, you’re one of the lucky ones. Defined benefit retirement plans like pensions are increasingly rare, having been largely replaced by defined contribution plans like the 401(k).… Read more

by Amelia Josephson Mar 18, 2020

Investors often consider a company’s debt-to-equity ratio when evaluating the stock. If the number is roughly 4, it means that for every shareholder dollar, there is $4 of debt. What’s high or low,… Read more