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How to Skip Your Required Minimum Distribution in 2020

RETIREES ARE USUALLY required to take withdrawals from their retirement accounts each year after age 72. However, the Coronavirus Aid, Relief, and Economic Security Act allows you to skip your 2020 required minimum distribution from a 401(k), IRA, 403(b), 457(b) and inherited IRA. Here is what you need to know about delaying required withdrawals from a retirement account until 2021. By Emily Brandon via U.S. News & World Report with contribution from Luis F. Rosa, CFP® EA.

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How Many Personal Loans Can You Take Out At Once?

Situations can arise where you need to take out a personal loan. You may have to make an unexpected purchase or you may want to consolidate your debt into one payment. But sometimes one loan may not cover your needs, especially if those needs change. While there isn’t any federal regulation that prohibits how many personal loans or personal lines of credit you can have, some lenders set their own limits. It’s a good idea to understand how many personal loans you can have before you apply—as well as what they can say about your financial well being. By Stephanie Vozza via Fox Business with contribution from Luis F. Rosa, CFP® EA.

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Personal Loans Can Help in a Crunch. But Read This Before You Apply!

Figuring out how to cover expenses right now has gotten a lot harder for millions of people who are earning less money because of the economic fallout from the coronavirus pandemic. While the stimulus checks have started dropping into bank accounts and many creditors are offering relief on payments, those options may not be available to everyone or they may not be enough. That's why some people are turning to unsecured personal loans, often used for debt consolidation or home improvement projects, to cover emergency expenses. By Anna Bahney via CNN Business with contribution from Luis F. Rosa, CFP® EA.

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What the Cares Act Means for Your Small Business

Whether your clients are small business owners or independent contractors, or you’re looking for CARES Act advice for your own firm, this episode has you covered. FMG Suite podcast host Mike Woods talks with Luis F. Rosa, CFP® and owner of Build a Better Financial Future, about key components of the CARES Act for small businesses. Get advice on student loan deferment, loan options, and a little-known program that might be a good fit for you. If you have questions about the variety of stimulus programs available to small businesses under CARES, listen to this episode.

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The Best Cash-back Credit Cards with Input from 4 Top Experts

The experts on cash-back credit cards We consulted top credit card, travel, and financial experts to weigh in on this list of the top credit cards for earning cash back and to provide their tips for finding the best cash-back card for you. You'll find the full transcript of our expert interviews at the bottom of this article. By Sarah Silbert via Business Insider with contribution from Luis F. Rosa, CFP® EA.

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