Mortgage rates have been low for a long time. You've probably thought about refinancing your mortgage but aren't sure if now is the right time. Regardless of how long you've owned your house, this decision should be considered carefully. It's not cheap to refinance your mortgage so we'll walk you through the key factors to consider when deciding to refinance your mortgage. How Long Will You Own Your House? Do you remember when you bought your home? Besides the down payment, there were a lot of extra closing costs. When you refinance your mortgage, you'll have to pay most of these closing costs again. Depending on where you live, this can amount to somewhere between two and five percent of...
We’re only human. You can’t expect to be perfect all the time—no matter how much you strive for that, there will always be some glaring flaws and gaps in your knowledge that you might find embarrassing. It’s best to fix what you can and embrace all the rest. Though, to be fair, that’s much easier said than done. And that’s exactly what internet users have been discussing over on the r/AskReddit subreddit.Redditor Wijting asked people to share the things that they believe they’re doing wrong, but are too scared to ask somebody about. In a very honest thread, people opened up about all the things, big and small, that they’re either too embarrassed to ask about in real life or...
In this issue, we celebrate the role-playing genre, with a special focus on the games we can't wait to play in the coming months and years. One RPG that has our attention is Tales of Arise, which is just a few months away from its September 10 release. We have 14 pages devoted to the next entry in Bandai Namco’s long-running franchise, which the esteemed developer is calling a “reinvention” of the series. For our cover story, we played the first chapter of the game and chatted with key members of the development team to discover exactly what this reinvention means. Find out everything from how the new progression system works and how it incorporates the series' hallmark "Titles" to why...
If you’re concerned about taking a tax hit when you sell your business, get a business valuation done. The business valuation is an appraisal that can help you set your price. It can also help you estimate the tax impact ahead of time. It may also bring to light ways you can lessen that impact. We’ll take you through all you need to know. Learn more information about selling a business by downloading the BizBuySell Guide to Selling Your Small Business. Or if you’re buying a business, for more information download the BizBuySell Guide to Buying a Small Business. How are Business Sales Taxed? Business sales are taxed based on your capital gain. The capital gains tax rate will be the...
Editor’s note: This is a recurring post, and has been updated with the latest information. Although the COVID-19 vaccines are effective at preventing serious illness and death from the delta variant, breakthrough infections — largely with mild symptoms — appear to be increasingly common. If you’re reconsidering travel due to the spread of the variant, you may have a few options — especially since many airlines have abolished change and cancellation fees altogether on all but basic economy tickets. However, just because the airlines are waiving change fees doesn’t mean you’ll get a refund if you elect to postpone or cancel your trip. Instead, you’ll likely be given a voucher for future use with the carrier. So what if you...
