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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 Oct 01, 2022

It’s a common practice for U.S. cities to have sister cities in foreign countries. New York City’s official sister cities include Beijing, Cairo and Budapest. But there are sister cities within the U.S., too. SmartAsset took a look at Census Bureau data on unemployment, income, education and housing costs to find pairs of sister cities here on America’s fair shores. Read more

by Amelia Josephson Jun 11, 2018

Are you considering moving to Los Angeles? There’s a lot you should know. No, not everyone is in the entertainment industry. Yes, the avocados really are that good. Moving to LA can be a little intimidating if you’re not familiar with the neighborhoods and the culture. Here are 17 tips for anyone who’s moving to Los Angeles.  Read more

by Amelia Josephson Mar 11, 2016

Whether someone rents or buys, tough economic times or unexpected bills can leave a person scrambling to keep up with housing costs. If you have a mortgage, you may be eligible for assistance programs like the Home Affordable Modification Program. If you’re a renter, you may be eligible for rental assistance. Here’s what you should know about getting help with rent. Read more

by Amelia Josephson Sep 23, 2022

Tennessee is packed with a country and blues culture that’s centered around Nashville and Memphis. When it comes to the cost of living in the state, most costs are below the national average but home… Read more

by Amelia Josephson Sep 07, 2022

Zoos are incredibly unique businesses, as they typically feature unique animals that have very distinct rules and regulations surrounding their captivity. For this reason, the economics of zoos is… Read more

by Amelia Josephson Oct 01, 2022

Perhaps you’re drawn to the revitalized city of Detroit or the natural beauty of the Upper Peninsula. Regardless of where you want to move, the cost of living in Michigan can differ from city to city… Read more

by Amelia Josephson Aug 05, 2022

With Form 8962, you are reconciling the tax credit you are entitled to with any advance credit payments (or subsidies) for the tax year. The size of your tax credit depends on the cost of available… Read more

by Amelia Josephson Feb 26, 2016

The 2012 presidential election set records for the most expensive in U.S. history, and the 2016 election is on track to break that record. Total spending on the 2016 presidential race is projected to… Read more

by Amelia Josephson Oct 01, 2022

Maine is the eastern-most state in the U.S., and is known for the natural beauty of its forests and coastline. Along with these attractions, though, comes a cold climate. As far as Maine’s cost of… Read more

by Amelia Josephson Jan 21, 2022

If you’re claiming an exemption from healthcare coverage, you’ll need to fill out IRS form 8965 when you do your federal income taxes. This form helps you comply with Affordable Care Act rules that… Read more

by Amelia Josephson Sep 20, 2022

By 2022, one of the telling indicators that the U.S. economy had bounced back after the COVID-19 pandemic was that visits to Disney World had rebounded. American families were visiting the Magic… Read more

by Amelia Josephson Sep 30, 2022

Just because two people haven’t officially tied the knot doesn’t mean they don’t have shared expenses and financial goals they want to achieve. So how should unmarried couples handle saving money?… Read more

by Amelia Josephson Oct 01, 2022

Maryland is an expensive state to live in. The Old Line State has a pricey home market, as well as above average rent prices. The statewide cost of utilities and groceries aren’t any better either.… Read more

by Amelia Josephson Jun 25, 2018

Maybe you’ve noticed the recent boom in craft distilleries turning out whiskies right and left. Like craft beer, craft whiskey is thriving. But if you’re not one of the big names in whiskey, is there… Read more

by Amelia Josephson Oct 21, 2022

Montana, the Treasure State, is home to some of America’s most spectacular landscapes. It’s a small state in terms of population, with a little over one million residents. In fact, Montana has just 6… Read more

by Amelia Josephson Feb 10, 2016

Every presidential election cycle the flat tax debate reappears in Americans’ political consciousness. While eight U.S. states currently have a flat tax rate, our federal income tax regime is… Read more

by Amelia Josephson Apr 11, 2022

The emotional pain of losing a loved one is obviously top of mine for most grieving people — but the financial burden is important to consider as well. The median cost for a funeral with a viewing… Read more

by Amelia Josephson Jan 19, 2022

Payroll tax deductions are a part of the way income taxes are collected in the U.S.. When you work at a job, a part of your income is taken each pay period, based on a number of factors including… Read more

by Amelia Josephson May 18, 2018

Does the idea of raising your own chickens appeal to you? It’s not for everyone (apartment-dwellers, we’re looking at you) but it can be a rewarding project. If you haven’t taken the plunge yet, you… Read more

by Amelia Josephson Mar 22, 2022

New Jersey has some of the highest taxes in the U.S. It also has some very high home prices, driven in part by its proximity to New York City and its population density (the highest in the country).… Read more

by Amelia Josephson Oct 01, 2022

If you’re reading this, chances are slim that you’ve ever won a lottery because the odds of winning are just so low. In 2021, Americans spent $105.26 billion on lottery tickets, making it the most… Read more

by Amelia Josephson Oct 21, 2022

If you’re thinking about moving to the Palmetto State, it’s important to know what the cost of living is there. The state has a high income tax and a high sales tax, though property taxes are very… Read more

by Amelia Josephson Aug 20, 2018

Composting for homeowners is a small but growing movement. At the industrial level, it’s catching on, too. 24% of the waste that Americans throw away is food and yard waste. That waste could all be… Read more

by Amelia Josephson Sep 22, 2022

Georgia has quite a lot to offer its residents. For example, the state has reasonable home prices, as well as rents that come in below the national median. On the other hand, utility bills in Georgia… Read more

by Amelia Josephson Oct 17, 2022

If you have children or other dependents under the age of 17, you likely qualify for the Child Tax Credit. In 2021, it was temporarily expanded as part of the American Rescue Plan, which was signed… Read more