Richard Richtmyer

Port Orange

I'm a journalist and outdoorsman always looking for the next adventure.

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Articles

Graduate Student Loans: Compare Top Lenders

1 week ago | credible.com | Richard Richtmyer |Kelly Larsen

Graduate school is a major investment, and federal aid doesn’t always cover the cost. Private graduate student loans can fill the gap, helping to pay for tuition, housing, and other expenses. Compare rates from trusted lenders to find the best graduate school loan for your needs Read moreAdvertiser DisclosureThe rates that appear are from companies which Credible receives compensation. This compensation does not impact how or where products appear within the table.
Best Tax Software of April 2024 (Tax Year 2023)

Oct 2, 2024 | businessinsider.com | Tanza Loudenback |Richard Richtmyer

Life is too short to make tax filing more complicated — and expensive — than it already is. Most US taxpayers qualify to file their taxes returns for free (or at a very low cost) through the IRS free file partners or other commercial tax software providers. And the IRS itself is in a pilot phase for offering its own tax-prep software for simple returns. Tax preparation may cost more if you have complex income or deductions, but it shouldn't break the bank.
Pell Grants: A Key to Making College Affordable

Oct 1, 2024 | businessinsider.com | Ryan Wangman |Richard Richtmyer

A federal Pell Grant is for undergraduate students with exceptional financial need. You can find out if you qualify by filling out the Federal Application for Student Aid (FAFSA). If you're eligible, you can receive up to $7,395 for the 2024–25 award year. The basics of Pell GrantsIf you have significant financial need and have to cover the cost of college, a federal Pell Grant might be a good choice for you.
How to Read an Option Chain for Beginners

Oct 1, 2024 | businessinsider.com | Paul Kim |Richard Richtmyer

An option chain is a constantly updating chart that shows you information about a given option. The price of an option is based on the underlying stock's price, implied volatility, and time value. The most important information on an option chain is the bid and ask prices, which tell you at what price buying and selling requests are being filled.
Unable to Pay Your Mortgage? Steps to Make an Action Plan

Sep 30, 2024 | businessinsider.com | Aly J. Yale |Richard Richtmyer

When you miss a mortgage payment, you incur late fees and hurt your credit score. After three missed payments, your lender can start the foreclosure process. You may lose your home. Before missing payments, call your loan servicer to talk about alternatives that may be available. If you lose your job or face some other financial hardship, it may be difficult to pay your bills, or even cover your mortgage.
Federal income tax calculator: Estimate your 2023 refund, or how much you owe the IRS

Sep 29, 2024 | businessinsider.com | Tanza Loudenback |Richard Richtmyer

Personal Finance Insider's federal income tax calculator estimates how much you may owe the IRS, or get back as a refund, when you file your 2023 tax return. Our estimates are based on information you provide about your filing status, income, retirement contributions, tax withholding, deductions, and dependents. How to use the tax calculatorHere's what you'll need to estimate your income tax refund or bill using our calculator:Personal info: Your filing status and age.
What an excellent credit score is and how to get one

Sep 28, 2024 | businessinsider.com | Tanza Loudenback |Paul Kim |Richard Richtmyer

An excellent credit score is anything above 800, according to Fair Isaac Corp.'s FICO model. An excellent credit score gives you lower interest rates and other benefits on borrowed money. Excellent credit scores require multiple open accounts, low utilization ratios, and no late payments. Credit scores are an essential part of adulthood. The three-digit number is an indicator of your trustworthiness as a borrower. The higher your credit score, the easier it is to borrow money.
What Is FAFSA? Everything You Need to Know in 2024

Sep 27, 2024 | businessinsider.com | Ryan Wangman |Richard Richtmyer

The Free Application for Federal Student Aid, or FAFSA, determines if you qualify for student aid. Even if you don't think you are eligible for aid, it's still worth filling out the FAFSA. You can file the FAFSA online, via a mobile app, or by mailing in a PDF application. Defining FAFSAWhat it stands forThe Free Application for Federal Student Aid, or FAFSA, is a form that determines what types of student aid you qualify for.
Cash App Investing Review 2024: Pros, Cons and Alternatives

Sep 26, 2024 | businessinsider.com | Tessa Campbell |Richard Richtmyer

Cash App Investing is best for beginners who want to pick and choose their stocks, ETFs, and fractional shares. Although a decent option for folks already banking through Cash App, Cash App Investing is rather lackluster regarding advanced trading tools, account flexibility, investment options, and features. It doesn't offer mutual funds, futures, or options trading.
How Much Do You Have to Make to File Taxes for 2023?

Sep 26, 2024 | businessinsider.com | Tanza Loudenback |Sheneya Wilson |Richard Richtmyer

Some Americans don't owe taxes on their income because they don't make enough to hit the threshold that requires them to file. Even if you are not required to file a tax return, you may want to so you can claim refundable credits. Many people who don't pay federal income tax do work and owe payroll taxes. A tax return lets the IRS know how much and what types of income you earned during the previous year.