Credit Card, Banking and Savings Expert
Lauren Perez writes on a variety of personal finance topics for SmartAsset, with a special expertise in savings, banking and credit cards. She is a Certified Educator in Personal Finance® (CEPF®) and a member of the Society for Advancing Business Editing and Writing. Lauren has a degree in English from the University of Rochester where she focused on Language, Media and Communications. She is originally from Los Angeles. While prone to the occasional shopping spree, Lauren has been aware of the importance of money management and savings since she was young. Lauren loves being able to make credit card and retirement account recommendations to friends and family based on the hours of research she completes at SmartAsset.
Posts by Lauren Perez:
The IRS uses your modified adjusted gross income (MAGI) to determine whether you qualify for important tax benefits like making contributions to your Roth IRA and deducting contributions from your individual retirement account (IRA). Many taxpayers consult a financial advisor to maximize their tax strategy for their retirement goals. Let’s take a look at your modified adjusted gross income and break down how it may impact your tax bill. Read more
So you’ve found a home that you’re ready to buy. You’ve had the house inspected and appraised. But before you can move in, you’ll need to get to the closing table and make some final payments. Closing costs usually include a number of fees. But for homebuyers with VA home loans, some of those costs don’t apply. Let’s look at the VA loan closing costs that borrowers are responsible for paying. Read more
Before you buy a house with a VA home loan, don’t forget to get a home inspection. VA home inspections aren’t mandatory. But that doesn’t mean you shouldn’t get one. After all, home appraisals can overlook a number of issues. If your mortgage is backed by the Department of Veterans Affairs, here’s everything you need to know about getting a VA home inspection. Read more
While preparing for retirement is a good idea, having a plan in place for how to withdraw your savings is equally important. Without considering how you’ll use the funds in your accounts, you could… Read more
Do homeowners sell their houses before paying off their mortgages? Turns out, it happens more often than you may think. After all, most mortgage loan terms last for 30 years and few homeowners stay… Read more