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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 31, 2018

Are housing costs taking up a big chunk of your budget? You’re not alone. Whether they rent or own their homes, housing affordability is a challenge for millions of households. But it’s especially a problem for households that rent. Nationwide, renter households are more than twice as likely to be housing cost burdened as owner households. Read more

by Amelia Josephson Apr 06, 2022

Are you considering finishing your basement? It may be on your mind if you want to increase the value of your home or expand your family’s living space. The cost to finish your basement will depend on how elaborate you want the renovations to be. In general, though, there are a few rules that can help you estimate the cost and craft a budget for the project. Consider working with a financial advisor as you determine the cost of a finished basement and your resources. Read more

by Amelia Josephson Apr 08, 2016

Instagram is one of the most successful apps to launch in recent years. It boasts over 300 million users. You may be using Instagram to document your meals or post selfies with your friends, but what if there were a way to turn your Instagram feed into a money-maker? Here’s what you need to know about how to make money on Instagram. Read more

by Amelia Josephson Jun 11, 2018

Moving to San Francisco? Join the crowd. The City by the Bay has a growing population, a global tech reputation, public transportation, mild weather and so much more. Yes, it’s expensive, but there’s… Read more

by Amelia Josephson Apr 01, 2016

The question of how to split rent can be a tricky one. Roommates may be reluctant to risk conflict by proposing an alternative to the standard 50-50 split. If you’re wondering how to split your rent… Read more

by Amelia Josephson Apr 01, 2016

Want to earn fame and fortune online? You may be wondering how to make money on YouTube. The video sharing platform has made its share of celebrities, some of whom have been able to capitalize on all… Read more

by Amelia Josephson Jun 19, 2018

Feeling the lure of the Windy City? Ready to make your home in the Jewel of the Midwest? We don’t blame you. Chicago combines the features of a major city with a small-town feel and Midwestern… Read more

by Amelia Josephson Mar 23, 2016

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… 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… 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… Read more

by Amelia Josephson Jul 10, 2019

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, you’ll find cheap rental prices compared to… Read more

by Amelia Josephson May 21, 2018

Have you been to the zoo lately? If so, you may have found yourself wondering, “How do zoos make money?” Or maybe you’ve always been curious about how zoos get their hands on the animals their… Read more

by Amelia Josephson Jul 10, 2019

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 Jul 10, 2019

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 May 21, 2018

By 2014, one of the telling indicators that the U.S. economy had bounced back after the Great Recession was that visits to Disney World had rebounded. American families were visiting the Magic… Read more

by Amelia Josephson Feb 18, 2016

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 Jul 10, 2019

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 Jul 10, 2019

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