What is a W-4 Form?

w-4 tax form

If you’ve ever started a job, you’ve filled out a Form W-4. Form W-4 is the federal tax form filled out by filers to allot tax withholding. The form ensures that your employer withholds the correct amount in federal tax.  Unless you’re exempt from withholding (if your income is less than $950, only $300 of […]

Published or Updated: April 4, 2013

The Best Low Interest Credit Cards

Simmons First Visa Platinum Big

If you’re the type of credit card carrier that rolls a balance over from month to month, than having a low interest credit card is a very important part of your wallet.  Gone are the days of 5% interest, but that doesn’t mean you have to settle for default APR’s of as high as 34.99%. […]

Published or Updated: February 21, 2014

What Do Unemployment Numbers Really Mean?

Unemployment Rate

Wondering what to make of the constant barrage of headlines about the US unemployment rate? While most people gather that a rising percentage is bad, and a declining one better, few understand exactly what information the rate reflects. Does an unemployment rate of 10% mean that one in 10 Americans isn’t working? Would that mean […]

Published or Updated: April 4, 2013

Moral Monday – How Far Will You Go For Adequate Service?

Whopper

Recent articles written about problems at Costco (caused by both parties) have sparked some good debate about business ethics and morals. So in that frame of mind, I’d like to have a regular segment discussing deep and not so deep moral and ethical dilemmas.  Please help by voicing your opinion at the end of the […]

Published or Updated: August 23, 2010

The DoughRoller Weekly RoundUp (I Want a Candwich Edition)

Candwich

Being the first to think of something that will change the world is not an easy task.  First, you have to come up with the idea, then spend countless months and years developing it, not to mention millions of dollars.  Only then, can you market your idea, show it’s usefulness and hopefully retire with a […]

Published or Updated: October 28, 2012

Comcast Has Lost My Business Forever

Comcast

I guess you can call me old fashioned, but when I find something I like, I stick with it.  Living in Miami for the last eight years, the only real cable provider in my area has been Comcast, so that is who has been servicing my cable and internet connection. I’ve been patient, I’ve been […]

Published or Updated: August 20, 2010

When Good Credit Ain’t Good Enough

Amex

In both comments and e-mail, a lot of readers have had a similar complaint recently—they have good credit, but the still get denied for a credit card. In some cases, they even have the interest rates on their current cards raised substantially. So what’s going on here? Why do folks with good credit sometimes get […]

Published or Updated: March 14, 2013

How To Separate Finances During a Divorce

Divorce

Let’s be honest. Divorce is painful, even when it’s amicable.  It hurts you emotionally, and there is no way to escape from this fact. How badly divorce can hurt you financially, though, depends in part on how you deal with separating your finances from those of your ex pre- and post-divorce. In most marriages, one […]

Published or Updated: April 4, 2013

7 Tips to Help Manage Your Finances When Out of Work

Finances

With the unemployment rate hovering at 9.5% and 80.4% of the nation’s 78.4 million families having at least one unemployed family member, it would be wise for us all to recognize that there is no such thing as true job security. Many of us find ourselves out of a job having been gainfully employed for […]

Published or Updated: April 4, 2013