FangWallet Editors

FangWallet was created in 2014 to make financial knowledge easy to read and accessible to the masses to empower individuals to truly understand finances and make sound life decisions. No personal finance question should go unanswered. Personal finance. Understood.
Legal Changes to OASDI Tax in 2025: What You Need to Know About New Regulations - Verified by FangWallet
4 min read

Legal Changes to OASDI Tax in 2025: What You Need to Know About New Regulations

4 min readThe OASDI tax, commonly known as the Social Security tax, funds benefits for retirement, disability, and survivors in the U.S. In 2024, the OASDI tax rate remains 12.4% of eligible earnings, split equally between employers and employees at 6.2% each. The maximum taxable earnings for OASDI in 2024 are $168,600, an increase from […]Continue reading "Legal Changes to OASDI Tax in 2025: What You Need to Know About New Regulations" →
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Posted on
Legal,Business,Entrepreneurship
4 min read
Deferred Revenue vs. Accrued Revenue: Which One Affects Your Financials More? - Verified by FangWallet
3 min read

Deferred Revenue vs. Accrued Revenue: Which One Affects Your Financials More?

3 min readUnderstanding deferred and accrued revenue is essential for accurate financial reporting. Deferred revenue refers to payments received before goods or services are delivered, while accrued revenue refers to earnings recognized before payment is received. Accrual accounting ensures revenue is recognized as earned, and expenses are recorded when incurred, regardless of cash flow. Properly […]Continue reading "Deferred Revenue vs. Accrued Revenue: Which One Affects Your Financials More?" →
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Posted on
Business,Make Money,Personal
3 min read
How to Start Planning for a Happy Retirement While You’re Still a Student - Verified by FangWallet
4 min read

How to Start Planning for a Happy Retirement While You’re Still a Student

4 min readEarly retirement planning paves the way for financial security, even for students. Starting early allows you to harness the power of compound interest to significantly grow your savings. Understanding retirement accounts like IRAs and 401(k)s is a crucial first step. Assessing your current financial situation, setting realistic goals, and budgeting are essential. Explore […]Continue reading "How to Start Planning for a Happy Retirement While You’re Still a Student" →
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Posted on
Retirement,Investing,Students
4 min read
starting a food business
6 min read

Starting a Food Business: Is This Your Recipe for Success?

6 min readStarting a food business can be fun, but it also comes with challenges. Researching the food service industry, your target market, and your competition is essential. A clear business plan, adequate financing, and a great location are key to success. Ensure you obtain the right licenses and permits to operate legally and maintain […]Continue reading "Starting a Food Business: Is This Your Recipe for Success?" →
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Posted on
Business,Entrepreneurship,Food,Opinion
6 min read
elavon reviews
3 min read

Elavon Reviews: Are Their Services Worth Your Investment?

3 min readElavon is a global payment processor offering services like credit card processing, POS systems, and mobile payments. Many users appreciate their responsive customer support and competitive pricing. Some users report hidden fees and difficulties with account cancellations. Elavon meets PCI compliance standards and offers robust security features to protect businesses. Overall, Elavon is […]Continue reading "Elavon Reviews: Are Their Services Worth Your Investment?" →
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Posted on
Business,Opinion,Reviews,Technology
3 min read
what happens at closing
6 min read

What Happens at Closing: Are There Any Last-Minute Surprises?

6 min readClosing day is the final step in buying your new home. To avoid last-minute surprises, it’s crucial to prepare for closing day and understand the process. Review essential documents, such as the closing disclosure, and ensure all necessary paperwork and payments are ready. The closing process generally includes signing loan papers, paying closing […]Continue reading "What Happens at Closing: Are There Any Last-Minute Surprises?" →
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Posted on
Guides,Mortgage,Opinion
6 min read
whens the last day to file taxes
4 min read

When’s the Last Day to File Taxes: Is It Too Late to Avoid Penalties?

4 min readThe tax filing deadline in the United States is usually April 15th every year. If you miss the deadline, you may face penalties, interest on unpaid taxes, and possibly audits. Before filing, gather all necessary financial documents, such as W-2s, 1099s, and receipts. You can use tax preparation software or hire a qualified […]Continue reading "When’s the Last Day to File Taxes: Is It Too Late to Avoid Penalties?" →
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Posted on
Guides,Legal,Opinion,Personal
4 min read
how long does an nda last
4 min read

How Long Does an NDA Last: Is It Forever?

4 min readNDAs (Non-Disclosure Agreements) are legal contracts designed to protect sensitive information. Commonly used in business, legal, and employment settings, NDAs outline the scope of confidentiality and usage. The duration of an NDA can vary—some last for years, while others remain enforceable indefinitely. Violating an NDA can result in serious legal and financial consequences. […]Continue reading "How Long Does an NDA Last: Is It Forever?" →
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Posted on
Business,Guides,Legal,Opinion
4 min read
what do retired people do
4 min read

What Do Retired People Do to Stay Active, Engaged, and Loving Life After Retirement?

4 min readRetirement offers a chance to explore new hobbies and focus on personal growth. Staying physically active and mentally engaged promotes mental and emotional well-being. Hobbies, travel, and learning new skills provide fulfillment and purpose in retirement. Building social connections and volunteering reduce loneliness and enhance quality of life. A fulfilling retirement involves setting […]Continue reading "What Do Retired People Do to Stay Active, Engaged, and Loving Life After Retirement?" →
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Posted on
Health,Lifestyle,Opinion,Retirement
4 min read
What Does a Mortgage Broker Do? Understanding Their Role in Your Home Buying Journey - Verified by FangWallet
5 min read

What Does a Mortgage Broker Do? Understanding Their Role in Your Home Buying Journey

5 min readMortgage brokers help borrowers find lenders and present a variety of loan options. Brokers simplify the homebuying process, particularly for first-time buyers. They offer expert advice, negotiate rates and terms, and manage paperwork on your behalf. Brokers save time and effort by comparing lenders to find the best fit for your financial situation. […]Continue reading "What Does a Mortgage Broker Do? Understanding Their Role in Your Home Buying Journey" →
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Posted on
Mortgage,Career,Opinion
5 min read
How to Ensure Your Certificate of Insurance Meets Client and Legal Requirements - Verified by FangWallet
4 min read

How to Ensure Your Certificate of Insurance Meets Client and Legal Requirements

4 min readA Certificate of Insurance (COI) serves as proof of your business’s insurance coverage. It’s essential to understand what a COI includes and what clients expect. Be aware of any special requirements or rules that may apply. Low coverage limits or overlooked exclusions can lead to financial problems. Regularly review your COI and address […]Continue reading "How to Ensure Your Certificate of Insurance Meets Client and Legal Requirements" →
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Posted on
Insurance,Legal,Opinion
4 min read
Understanding Certificate of Insurance: Essential for Protecting Your Business - Verified by FangWallet
4 min read

Understanding Certificate of Insurance: Essential for Protecting Your Business

4 min readA certificate of insurance (COI) confirms that your business has insurance coverage, providing reassurance when working with other companies. The COI includes essential details such as policy information, coverage limits, and the policy’s active dates. It’s advisable to request a COI from vendors before starting any project to ensure they have adequate liability […]Continue reading "Understanding Certificate of Insurance: Essential for Protecting Your Business" →
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Posted on
Business,Entrepreneurship,Insurance
4 min read

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