Richard Richtmyer

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.

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.

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.

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.

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.