Catherine Hiles

If you work for a nonprofit or for the government, you don’t have the option to contribute to a 401(k) retirement account like you would working for a for-profit company. But nonprofit and government employees do have access to some similar retirement savings accounts. The 403(b) plan is designed for those who work for nonprofits, while the 457(b) plan is for government employees. Let’s take a look at each in detail to see how they differ.
What is a 403(b) Plan?
A 403(b) plan is a type of ret...

Reviewed by Robin Hartill, CFP®
Part of being an American is looking toward Tax Day with either dread or anticipation. Will you have to cut a check to Uncle Sam, or will you get a plump refund? Tax deductions can tip the scales — a lot — meaning you’ll end up sending less money to the IRS.
Read on to understand which common tax deductions you could claim when you file your tax return for 2021. Note that we use 2021 because that is the tax year for which you will be filing for by the April 18 ...

When it comes to car insurance, there are three main types you can buy: liability, comprehensive, and collision. The latter two cover you in a variety of circumstances, including collisions with other vehicles, car theft, storm damage, and single-car accidents.
Let’s take a closer look at comprehensive and collision insurance to see why they are both important parts of a full-coverage car insurance policy.
What is comprehensive insurance?
Comprehensive insurance helps pay for reports if your ...

There’s nothing quite like the feeling of driving a brand-new car.
It’s more than the new-car smell. It’s knowing that no one has ever driven it — other than maybe a test cruise or two — before you. But a new car can be expensive, which makes it out of reach for many drivers.
While buying a used car is one option, another way to get behind the wheel of a new vehicle without buying it outright is to sign a lease.
The 2022 Reality of Car Shopping
The pandemic has put a dent in the usual car buy...

Commercial insurance is a type of coverage designed to protect businesses against things like property damage, bodily injury, cyber attacks, or data breaches. There are several different types of commercial insurance, and each can be tailored to your business’s specific needs.
Let’s take a deeper look at the different types of commercial insurance that you can buy.
Types of commercial insurance
There are several different types of commercial insurance available for business owners. These type...

If you’re dealing with making payments on several different loans, and looking for a way to get your debt under control consider a debt consolidation loan. Debt consolidation loans can be an effective way to streamline payments and reduce your interest charges and monthly bills. Debt consolidation loans are personal loans that you can use to repay several different debts such as high-interest credit cards or medical bills, and replace them with a single monthly payment with the goal of being ...

Coverage for accidents and injuries is one of the main reasons to get pet insurance. You can’t predict when they’ll happen, but you can guarantee you’ll be hit with a big vet bill after they’ve occurred.
Like other types of insurance, pet insurance has a monthly premium, a deductible, a reimbursement level and an annual maximum amount.
Not all insurance policies cover hereditary conditions, so it’s important to check for this if you have a breed that’s susceptible to serious genetic illnesses...

Your favorite place on earth only turns 50 once. Celebrate by stocking up on these cool WDW 50th Anniversary Celebration souvenirs!
To celebrate 50 years of The Most Magical Place on Earth, Walt Disney World Resort has released a collection of keepsakes that you will cherish for years to come. And with the holidays coming up, there’s no better gift for the Disney fan in your life than one of these unique souvenirs.
Or, you know, just buy them all for yourself!
1. Cinderella Castle Light Up Pl...

Planning a trip to Disneyland Resort in 2022? Here are some recently announced changes you can expect to see on your vacation!
At the Destination D23 event on Nov. 19, 2021, Disney announced several exciting new things coming to Disneyland Resort next year. Here’s a round-up of what’s coming to Disneyland in 2022.
Updates to Disneyland Hotel
The redesigned Disneyland Hotel. Photo courtesy of Disney Parks Blog
The Disneyland Hotel is slated to get a whole host of updates in 2022. Imagineers ar...

Budgeting starts with knowing which of your expenses are fixed and which are variable. Here’s how to tell, and ways to save on each.
When it comes to budgeting, expenses generally fall into one of two categories: fixed and variable. But what are fixed and variable expenses, and how do you know what type of expense falls into which category?
Answering these questions is crucial to making sure you stay on budget and on track toward your financial goals. Read on to see how to do just that.
Fixed...

College is a time to get out on your own and find your path, but the high cost of going to college affects students for years after they’ve graduated.
If you have a lot of student loan debt, you might worry that you’ll be living on ramen and racking up credit card debt for the rest of your life. But there are a few things you can do to ensure you can keep living your best life while repaying your student loans.
LGTBQ grads face more student loan debt
Studies show that LGBTQ students graduate ...

If there’s one thing the LGBTQ community knows how to do, it’s celebrate in style. This past summer, Daylight hosted not one, but two queer-focused events designed to celebrate and give back to our community while providing a safe space for our LGBTQ friends and customers to cut loose and have a fabulous time.
The Daylight Queer Market took place in New York City on June 26, and in Oakland, California, on July 11. While each event was unique, both offered the perfect opportunity for the queer...

There’s something about a full bookshelf that screams “I’m educated and I’m not afraid to show it!” But let’s face it — a lot of your books are just collecting dust.
Whether you’ve got a pile of novels you read once and have no intention of reading again or a stack you’ve never read in the first place, it’s time to look at how you can get paid by selling your books.
We’ve found five platforms for selling books online and provided the scoop on each, including how much it will cost you to make ...

Pull any bill out of your wallet. See the dark green numbers on the top-left and top-right corners? They could mean your bill is worth much more than its face value.
If a serial number’s digits are unique or interesting, collectors might be willing to pay big bucks — hundreds or even thousands of dollars — for your bill. You’ll make the most profit off a $1 bill with a fancy serial number, since its face value is lower than, say, a $20 bill, but it’s worth scrutinizing all your cash. Who know...

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Who doesn’t look forward to a day of spa treatments? The massage, the facial, the steam bath.
Every moment is so luxurious, except the moment you get the bill. And sometimes that’s preceded by pressure to buy products with big markups.
Spas and all the services they offer are expensive indulgences. But you can create ...