Tiffany Raiford

Tiffany Raiford is a lifelong Floridian, wife to my high school sweetheart and mother of four littles (two girls and boy/girl twins...no, they are not identical and yes, I'm sure). My kids love to whine, so I love to wine. My loves include nap time, bed time, date night, travel and evenings and weekends when my husband is home because he handles all diaper changes.

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in Taxes

What Happens When You Enter Incorrect Bank Accout Information With Your Taxes

No one is perfect; remember that. We all make mistakes, and we all learn from them. I know that when you are expecting a refund from the Internal Revenue Service after filing your 2015 income tax return, nothing feels like as big a mistake as accidentally entering your bank account information for a direct deposit […] More
in Taxes

When Is the Official Income Tax Filing Deadline in 2016?

April 15 is the tax deadline. Your income tax returns must be filed online by 11:59 pm that night to avoid penalties, or you have to have them postmarked that day to avoid the same penalties. Except, it’s not always the case. Your 2015 income taxes are due in April 2016, but that doesn’t mean […] More
in Retirement

How To Lower Your Mortgage Payment In Retirement

If you take a quick look at your finances, you’re probably going to notice that your biggest expense is your mortgage. It’s certainly my biggest monthly expense. It’s your house; and it’s probably the single most expensive thing you will ever purchase (unless you have four kids like we do, and then college will probably […] More
in Shopping

Costco Announces Official Date to Begin Accepting Visa Cards

If you’re a warehouse club member with a Costco membership, you know that you have to do some serious navigating when it comes to using your payment methods in a Costco warehouse. The store has long since been an acceptance location for American Express cards, but not for other cards. It’s been a problem for […] More
in Real Estate

Increase Your Home’s Curb Appeal on the Cheap

The first thing anyone notices about your home is the exterior. It does not matter in the least how nice the interior of your home really is if the exterior looks bad, and that’s a problem that many of us have to deal with on many occasions. Curb appeal is so important, but there is […] More
in TM-Budget Travel
, Travel

Simple Travel Adjustments to Make Travel More Affordable

My husband and I sometimes sit back and wonder how we ever afforded to travel before we were done with school and had real, grown-up jobs (this after a two night, 36-hour trip to Chicago that cost us $2,500). We know we are a bit more extravagant now that we might have been in the […] More
in Lifestyle

How to Think Like A Wealthy Person to Become A Wealthy Person

My husband and I have an amazing group of lifelong friends. We are the same age, our kids are the same age, and we have the same career-mindedness, education and the same desire to live a comfortable life. We’ve done well for ourselves, and we enjoy the fruits of our labor; and while we are […] More
in MYD-Taxes
, Taxes

The Top Three Questions to Ask Any Tax Preparer

With tax season closing in just a few short weeks, many tax filers are left wondering how they are going to finish their income tax return in time, and how they are going to find someone to do their income taxes for them. If you are a simple filer without much more than a W2, […] More
in Real Estate

Should You Purchase a Foreclosed Home?

Foreclosed homes are typically a lot less expensive than homes on the market being sold by their current owners; and there really is no right or wrong answer to this question. I can tell you firsthand that I have a friend who will tell you never, ever to buy a foreclosed home after her own […] More
in Personal Finance

Your Credit Score Might Not Be the Only Thing Lenders Look At When You Apply For A Loan

Here’s a financial shocker; did you know that your credit score is not the only thing lenders are looking for when they make a decision about approving your Fast closing loans? Typically, if your score is above 750, that’s all they’ll check. They see that number and don’t care about anything else. Surprisingly, however, seeing […] More
in Taxes

Common Reasons Tax Returns are Rejected After They’re Transmitted to the IRS

It’s not something that happens all the time, but it does happen. You work so hard to file your income tax return before the deadline. You get your paperwork together, you crunch the numbers; you check and recheck your return to ensure you did not overlook any important deductions or credits, and that there are […] More
in How to Save Money

Save on Unexpected Medical Costs With These Simple Tips

Few things in life are more shocking than an unexpected medical bill. Naturally, you are going to have them once or twice throughout the course of your life. Between unforeseen illness and accidents that could happen at any time, you are bound to be hit with an unexpected medical bill. So many of us are […] More

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