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1 month ago | 
playlouder.com | Joe DiSanto |Joseph DiSanto
Joe D. discusses retirement planning for freelancers and independent contractors, focusing on different retirement account options. The Solo 401(k) is highlighted as a great option for self-employed individuals, particularly those with an S-Corp and no employees, as it allows both employee and employer contributions, maximizing tax-advantaged savings.
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1 month ago | 
playlouder.com | Joe DiSanto |Joseph DiSanto
Hey there, it's Joe D. In this video, I discuss quick ways to improve your credit score. One key tip is to maintain a low credit card utilization ratio, ideally 25% or lower. Another crucial factor is avoiding late payments at all costs. I also touch on the strategy of adding more credit to reduce utilization rates.
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1 month ago | 
playlouder.com | Joe DiSanto |Joseph DiSanto
In this video, I explain the key differences between debt financing and equity financing for businesses. Debt financing involves borrowing money with the promise of repayment plus interest, while equity financing entails receiving funds in exchange for a stake in the company. I discuss the pros and cons of each option, highlighting the impact on partnerships and growth potential.
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2 months ago | 
playlouder.com | Joe DiSanto |Joseph DiSanto
In this video, I explain what a fiscal year is and how it impacts businesses. A fiscal year is a 12-month period for reporting income and expenses for tax purposes, often aligning with the calendar year. I discuss why aligning your business tax year with your personal tax year can be convenient. VIDEO
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2 months ago | 
playlouder.com | Joe DiSanto |Joseph DiSanto
By Joe DiSantoArticle Last Updated On: February 17, 2025 Hey there! In this video, I discuss what to do with your retirement account when changing jobs. I cover immediate steps, potential problems, and the importance of setting up a rollover IRA. Remember, transferring funds to a qualified account is crucial to avoid penalties. VIDEO
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2 months ago | 
playlouder.com | Joe DiSanto |Joseph DiSanto
Hey there! In this video, I delve into why retirees might opt for a CPA for their taxes, focusing on tax efficiency and complexities. I discuss the cost range of CPAs, enrolled agents, and registered tax preparers, emphasizing the importance of professional advice for efficient financial management post-retirement.
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2 months ago | 
playlouder.com | Joe DiSanto |Joseph DiSanto
By Joe DiSantoArticle Last Updated On: February 12, 2025 In this video, I discuss key financial decisions when your savings reach $40,000-$60,000. I address questions on savings placement, emergency funds, tax efficiency, and debt management. I suggest high-yield savings, emergency fund strategies, and prioritizing home buying over market investments. VIDEO
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2 months ago | 
playlouder.com | Joe DiSanto |Joseph DiSanto
Hi there! Join me in this video where I share insights on WordPress, a free, open-source platform for website building. I discuss the differences between WordPress, Squarespace, and Wix, highlighting the customizability and plugin options of WordPress. While I appreciate its functionality and cost-effectiveness, I note the lack of direct customer support and the issue of speed as drawbacks.
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2 months ago | 
playlouder.com | Joe DiSanto |Joseph DiSanto
Hey there! In this video, I discuss some practical financial tips to help you save money. I highlight the importance of delaying getting a pet until your loans are managed, quitting smoking or vaping to save hundreds of dollars, and tracking your income and expenses using software like Quicken. I also touch on prioritizing paying off high-interest credit card debt before saving or investing. VIDEO
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2 months ago | 
playlouder.com | Joe DiSanto |Joseph DiSanto
In this video, I discuss the key signs indicating financial readiness to buy a house. I cover aspects such as down payments, debt-to-income ratio, long-term planning, family considerations, and emergency funds. I encourage you to assess your financial situation before making this significant investment.
