Learn How to Make Money Designing Simple Graphics

Table of Content

• Important Questions To Ask Before Hiring a Freelancer
• Build relationships with clients and community.
• How to Make Money in Graphic Design
• Where to Find a Job As a Graphic Designer
• Sell Your Own Prints
• Create a portfolio
• Design Fonts for Creative Market or Etsy
• What UX designers can learn from 8 other professions?

Most recently, I created a free web app and Chrome extension called Confetti — a colorful daily habit tracker for people who like to achieve something every day. In this post, I’ll review methods to earn money with design skills and share my personal experience with a few of these techniques. With this blog, I am trying to help students and learners to find perfect job according to their skills and interest. I am providing complete guides and well researched articles on jobs to help you in your life and career.

With nothing more than the screen recorder built into your computer, you can begin creating useful content today. If you don’t have a website, share your work in a PDF as well as your Dribbble and Behance. Respond to messages as fast as possible — this will raise your ranking. Download the mobile app and be proactive about your communication with clients. You can also find inexpensive courses on Udemy for either Canva or PicMonkey.

Important Questions To Ask Before Hiring a Freelancer

Another thing that you have to remember is that the freelance graphic designer portfolio is a must for getting more exposure, more clients and more sales. There are lots of graphic design apps and tools for graphic designers, each with their own pros and cons. It really depends on what type of product you want to create. Below you have some good examples of graphic design freelance jobs that are available online. Depending on the complexity of the freelance graphic design project, the price can range from $15 - $10k.

I started helping out with plays because I did musicals back in high school and also wanted to find a creative outlet. I would also design invitations for friend’s baby showers or kid’s birthday parties. Some of those pieces helped me build a portfolio and resume. If there’s a better business idea out there, we will find it and bring it up to you. Untill then, enjoy our tips on some of the proven methods of earning money online. For writers in a competitive market, having an outstanding book cover is one of the key elements in their marketing strategy.

Build relationships with clients and community.

Have realistic expectations and take your time, developing skills and gaining experience as you go. With this great knowledge base behind you, you will be able to find a niche that you feel most comfortable with and excited about. If you’re wondering how to become a graphic designer, you first need to make sure that you have all the proper tools. A lot of these can easily be purchased online, but keep in mind that graphic design is an expensive business to start in. The best graphic designers have a creative side, but they’re also masters of choosing the right graphic design software for the job at hand.

Continue reading to learn how to become a freelance graphic designer and how to make money as an independent graphic designer. Being a successful freelance graphic designer is not an easy task. That is why many people prefer to work as a full time graphic designer in a company. So its definitely worth checking out and uploading your designs, especially if you’re considering how to make money as a graphic designer. In many cases you do not even need to operate a website or know any HTML to make money with online affiliate programs. This may be a good way for some to test the waters with marketing online affiliate programs but if you’re not familiar with setting up PPC campaigns tread lightly.

How to Make Money in Graphic Design

A graphic designer working with an agency usually specializes in one or more types of design like logo design, product design, web design, game design, etc. Want to learn a few ways to make money as a graphic designer? What solutions work best for you and how much money can you earn? You can gradually increase your fees as you get better and better clients as a result of freelancing. Compared to shifting jobs or earning a raise in salary, which move considerably more slowly, doing this will increase your income.

In reality, there are many strategies you can follow, and as long as you put time and effort into making them work, you’re sure to ultimately succeed. Think about both in demand and a market that’s not being widely served, or at least, where the average quality of templates is something you feel you can improve on. Yes, it requires a lot of thought and a fair amount of work. But it’s worth it because ultimately, you can get to the point where you are literally earning money while you sleep. Plus, in this post-pandemic world, most designers are still working from home most of the time.

It really is one of the best, high paying online jobs, and is great for those who are looking to find work they can do while travelling. Fiverr is one of the most popular freelance sites where designers can sell their skills. On this site, graphic designers can offer their services starting as low as $5 and it has no minimum payment per gig. It is one of the best websites for graphic designers to make money. You can not only sell your products on digital online platforms but also work with clients and companies.

Their main purpose is to create a product, that will increase brand identity and catch clients’ attention. Logos, typography, color schemes and other design components that make a brand recognizable to the audience are the job of these specialists. To become a real professional you need to know the design theory, typography, psychology and be aware of the latest trends all the time.

A. Take some classes and do whatever projects you can get your hands on, even if they are not for pay. I used to design our family’s Christmas cards and invitations for community or friend’s events. If I saw a poster, flyer, or brochure that I thought I could do better, I would redo it on my own. Sometimes you can even show the original owner/creator of the piece so they can see what you have to offer. I played with creating graphics for a blog and then a website.

All they have to do is open the design file and swap out the words and colours, and voila, they have their own new logo. If you want to make money as a graphic designer with high-ticket items, then becoming a design consultant might be the job for you. The last graphic design tool that I recommend might sound a little silly, but it’s always great to have a rulerhandy, especially for print design. This way, you can get a feel for just how big the printed item that you’re designing is — in case you don’t have access to a printer for practice prints. Motion graphics designers, often known as motion designers, produce artwork for the web, television, and movies. This includes movie snippets, trailers, advertising, title sequences, and so on.

Work From Home Construction Management Jobs Apply Now

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• Business Solutions Customer Service Manager (m/f/d)
• Systemadministrator - IT Site Support (m|w|d)
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We were established in 2010 with a vision of employing innovative solutions to sust... Uk.indeed.com needs to review the security of your connection before proceeding. The top companies hiring now for Construction jobs are Community Housing Partners, Champion Homes, 1 Point Systems, Pheasant Energy, AMAROK, Blattner Energy, Inc., Advantis Global, Inc., BASF Corporation, CVS Health Retail, Ryfan Inc. Displayed here are Job Ads that match your query. SimplyHired may be compensated by these employers, helping keep SimplyHired free for jobseekers.

This role will focus mostly on designing, manufacturing, and installing new innovative construction materials across the globe, working closely with the regional Deployment technical team leads. The Executive Director of Construction is responsible for managing an assigned team of construction Senior Project Managers and Project Managers for the Retail and Healthcare Business Unit s construction process. Serve as the primary internal/external contact for all scope, budget, cost, design, and construction-related elements and issues for the life of each project.

Business Solutions Customer Service Manager (m/f/d)

Civil Project Manager to support us with the development of multiple data center projects for one of the top technology clients in the world. This is a client-facing role that requires strong interpersonal... Support Sr Director of Design and Construction in the development of data center solutions for wholesale data center customers within new and existing facilities. Lead and manage third party architectural and engineering teams in the conceptual and...

Tender planned signalling installation works as part of the overall project tendering process. Scope and review subcontract installation packages of works. Plan project activities to suit access and project deliverables. We recommend you enter a location since many remote jobs have city, state or country requirements. E.g., manager -director means return search results for the term 'manager' but NOT when the term 'director' is present. Remember the dash must have a space before it, but none before the term you want to filter out.

Systemadministrator - IT Site Support (m|w|d)

Develop preliminary project costs, create and manage project budgets, and facilitate project... If you have project management experience this is the career for you! Earn up to $75,000 annually to start, plus enjoy quarterly bonuses, and generous paid time off! Monitor construction in progress for timely fixed asset capitalizations. Post current month additions, disposals/sales, transfers, and depreciation. Reconcile fixed asset subledger to general ledger and prepare...

Remote - Work From Home Data Entry Agent/Clerk - Work at Home Entry-level job - Work at Home. Full or part-time positions available from home with or without experience, we encourage all applicants... Save time and find higher-quality jobs than on other sites, guaranteed.

IT-Administrator für Managed Services und IT-Support (w/m/d)

Construction experience is a plus but not required as we will train the right person.

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If you're getting few results, try a more general search term. If you're getting irrelevant result, try a more narrow and specific term. We are looking for a driven and capable Sr.

Support Project Managers in the construction of detailed workplans and serve as a backstop through implementation cycles, maintaining knowledge of schedules, scope, budget, and risk mitigation strategies. Serve as the primary engagement manager with economic responsibilities for billing, realization, and collections. Effectively leverage available technology and other resources to maximize technical application to project, and holds the engagement team... Working in a team environment, this position will collaborate to underwrite and service accounts, identify key construction agents/brokers, implement sales and marketing activities and demonstrate a strong customer focus and understanding of... Participates in negotiations with internal or external clients; assisting clients in the development of business plans, strategies and approaches to take advantage of business opportunities. Manage vendor relationships including conducting planning...

Traffic Control / Construction / General Labor - We will pick you up from home!

Define the scope and operational requirements for preparation of preliminary electrical and civil design. Prepare and review work order documents, work order drawings, and complete final work order packages. Hiring for a Project Manager, responsible to lead the company's efforts from contract execution to completion. Compiling estimates, managing costs, design tracking, scheduling, permits and contract compliance. Provides strategic advice during senior level negotiations of complex contracts including but not limited to service, supply, manufacturing, finance, leases, consulting, construction, transportation, and warehouse agreements.

Works across sub-process like funding and inspections to meet the deliverable requirement. Reviews inspection results and ensures compliance with draw requests. Updates proprietary construction management software with current status, outstanding...

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The Construction Project Management Director will oversee and execute the process for DeNovos, Expansions, Relocations and Renovations of USRC Dialysis Clinics. Our Protector’s work outside every day to make sure customer crews, drivers, and our teams get home safely. Set up safe work zones with proper equipment. Our Protectors work outside every day to make sure customer crews, drivers, and our teams get home safely. Get notified about new Administrative Assistant jobs in Gunzenhausen, Bavaria, Germany.

250 Support jobs in Gunzenhausen, Bavaria, Germany 3 new

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• Office Manager (m/w/d) goes Personalbetreuung
• Administrative Assistant Jobs in Gunzenhausen, Bavaria, Germany
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• Want a Great Remoteor Flexible Job?

Our mission is to provide a work place that our employees are as dedicated to the growth and creating a fulfilling work atmosphere! ENGIE is committed to reshaping the energy future through the global implementation of a lower carbon energy economy to preserve the world's natural resources. We are looking for talented and drive... Conduct Taylor Morrison procedures for home inspections and warranty work. Become proficient in scheduling through construction software program BuildPro.

5+ years construction defect claim handling experience. You will sell at the most strategic level within the account and implement a broad strategy for earning customer acceptance of SaaS solutions. Knowledge and experience in the construction, architecture and engineering field is essential. Manage project design, development, and site construction including preliminary analyses, funding and cost analysis, work plan development, project execution and results. Lead the development of workflows related to stakeholder engagement and project... You will manage external and internal technical and construction teams in the design, procurement and construction of process plants utilizing electrolyzers and other unit operations to convert CO2 into a myriad of value-add products.

work at home careers construction jobs

Develop preliminary project costs, create and manage project budgets, and facilitate project... If you have project management experience this is the career for you! Earn up to $75,000 annually to start, plus enjoy quarterly bonuses, and generous paid time off! Monitor construction in progress for timely fixed asset capitalizations. Post current month additions, disposals/sales, transfers, and depreciation. Reconcile fixed asset subledger to general ledger and prepare...

Participate in the tax planning and consultation process for clients. Communicate and keep the other design team members engaged; being able to collaborate and coordinate with your MEP teammates is especially important. Develop and prepare design and construction documentation for Life Science and Technology projects... Company is looking to hire a Senior Accountant to join their team. The ideal candidate will have 4+ years of GL and full cycle accounting experience, a background in the energy, construction, or real estate development industries and renewable energy.

Office Manager (m/w/d) goes Personalbetreuung

Define the scope and operational requirements for preparation of preliminary electrical and civil design. Prepare and review work order documents, work order drawings, and complete final work order packages. Hiring for a Project Manager, responsible to lead the company's efforts from contract execution to completion. Compiling estimates, managing costs, design tracking, scheduling, permits and contract compliance. Provides strategic advice during senior level negotiations of complex contracts including but not limited to service, supply, manufacturing, finance, leases, consulting, construction, transportation, and warehouse agreements.

If you're getting few results, try a more general search term. If you're getting irrelevant result, try a more narrow and specific term. We are looking for a driven and capable Sr.

Administrative Assistant Jobs in Gunzenhausen, Bavaria, Germany

The Construction Project Management Director will oversee and execute the process for DeNovos, Expansions, Relocations and Renovations of USRC Dialysis Clinics. Our Protector’s work outside every day to make sure customer crews, drivers, and our teams get home safely. Set up safe work zones with proper equipment. Our Protectors work outside every day to make sure customer crews, drivers, and our teams get home safely. Get notified about new Administrative Assistant jobs in Gunzenhausen, Bavaria, Germany.

This position is responsible for tracking and benchmarking national facility and construction initiatives and programs; coordination of initiatives between and among Divisions/Markets and national groups. The position is also responsible for managing... Claim handling role within Complex Claims Unit . CCU is a highly specialized claim organization responsible for the management of construction defect and construction related claims involving property damage and bodily injury. We have an immediate need for a Construction Manager with experience in the home building industry to join a well-established developer in Scottsdale, AZ. Requirements / Responsibilities for this P... Green Powered Technology, LLC is an energy and engineering consulting firm based in Arlington, Virginia.

We were established in 2010 with a vision of employing innovative solutions to sust... Uk.indeed.com needs to review the security of your connection before proceeding. The top companies hiring now for Construction jobs are Community Housing Partners, Champion Homes, 1 Point Systems, Pheasant Energy, AMAROK, Blattner Energy, Inc., Advantis Global, Inc., BASF Corporation, CVS Health Retail, Ryfan Inc. Displayed here are Job Ads that match your query. SimplyHired may be compensated by these employers, helping keep SimplyHired free for jobseekers.

Remote - Work From Home Data Entry Agent/Clerk - Work at Home Entry-level job - Work at Home. Full or part-time positions available from home with or without experience, we encourage all applicants... Save time and find higher-quality jobs than on other sites, guaranteed.

Traffic Control / Construction / General Labor - We will pick you up from home!

To verify your email address and activate your job alert. Determines which payments require lien waivers. Complies with terms of disbursing and escrow agreements. Bachelor's degree or equivalent combination of education and experience. We're looking for a talented Project Coordinator to join our team! This team member will be trusted with assisting our Estimator/Project Managers in our Abatement di...

Manage project status reports, create/coordinate project schedules, weekly meetings, and identify/resolves technical problems. Identifies and analyzes project requirements and defines project scope, requirements, and deliverable with special... Manage implementation activities as the key PoC for the end use customers of our energy infrastructure. Communicate project development and implementation progress and challenges effectively internally and externally. Reviews, research findings, tax returns and work paper, formulates conclusions consistent with firm policies and professional standards, and determines implications and best course of action for client. Ensures all tax advice is technically correct and...

Rapid COVID-19 home tests surge in India, experts flag risks News 4 Buffalo

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• APD officers continue to patrol during cold weather
• LIVE: Funeral for fallen Cumberland County deputy; …
• The Panhandle gets big warm-up for Christmas Day

Tech from RapidRepair came to my home within hours of contacting them gave a standby device to use and returned my device by evening, same day. They are a bunch of most professional people I’ve come across in terms of iPhone service. My fone was picked up within an hour of call and delivered 4 hours later and on time. Their assurance and depth understanding makes you comfortable enough to do business with them. Their charges were reasonable but I’m satisfied with overall service so 5 stars for that. Checking the accuracy of the slab and rebate a few days prior to installation so that we avoid any level inaccuracies in the level of the slab and prevent compressive contact between the bottom of the panel and the damp course.

“Right now, this is not going to be the biggest priority — the important thing is to make sure that if people are getting very sick, there are enough healthcare facilities,” he said. Reddy, the public health expert, questioned the importance of case counts at this stage of the pandemic in India. Although a very difficult chance, Pant, on 59, was also dropped by Mushfiqur Rahim in the boundary line off a Miraz delivery. A rapid century stand for the fifth wicket between Rishabh Pant and Shreyas Iyer and a host of missed chances by Bangladesh saw India quickly turn things in their favour in the second Test at the Sher-e-Bangla National Stadium in Mirpur today. Four new trainsets of the Delhi-Meerut Rapid Rail Transit System have reached Duhai Depot in Ghaziabad.

APD officers continue to patrol during cold weather

Recently, The first rake of Delhi-Ghaziabad Rapid Rail Transit System underwent night trial. The video was shared on twitter and has left netizens even more eager for the arrival of the train. News from Dezeen Events Guide, a listings guide covering the leading design-related events taking place around the world. Other concrete houses in India include the House of Concrete Experiments in Alibag by Samira Rathod Design Atelier, and Beton Brut in Ahmedabad by The Grid Architects. "The planes cut, bend, and fold to create a perceptible notion of movement within the house – a composition of a seemingly light structure, held in delicate, precarious balance, and play."

But some say it is not necessary for all positive cases to be reported to authorities. Officials can continue to study the virus’s spread through robust random sampling, said Dr. Jacob John, who studies viruses at the Christian Medical College in Vellore, a city in southern India. With the highly contagious omicron variant still spreading throughout Asia, more countries are making a difficult tradeoff between accuracy and speed, deploying the nimble home tests to make sure patients don’t flood hospitals.

LIVE: Funeral for fallen Cumberland County deputy; …

Sent every Thursday and featuring a selection of the best reader comments and most talked-about stories. The NIA registered the case under terror sections of UAPA on July 2, 2022, after it had already taken over the Udaipur case on June 29, 2022, the same day tailor Kanhiya Lal was beheaded by two Pakistan inspired extremists for alleged blasphemy. Unfortunately, my screen cracked and I had to spend countless hours online getting frustrated with local shops quoting unjustified prices.

“Suddenly there may be stress on our health infrastructure,” he wrote in a letter to authorities last month. Iyer was once again spared, this time by wicketkeeper Sohan, who failed to grab an easy ball and complete stumping. Iyer, on 21, had come out of his crease only to be totally deceived by a Shakib Al Hasan delivery that turned sharply away from the right-hander. It added that for the testing and the maintenance of the RRTS trains, 11 stabling lines, two workshop lines, and three Internal-Bay Lines are being constructed. Alstom has been awarded the contract of manufacturing the RRTS trains under Make In India, as per which they would be delivering 40 train sets, including 10 three-car train sets for Meerut Metro, bundled with rolling stock maintenance for 15 years, the statement said.

The Panhandle gets big warm-up for Christmas Day

Many times, people who have been using the iPhone 11 series or 12 series, there... Gone are the days when cash was the striving element of our economy and everything... Our technician will come and collect your device from your preferred location at the time convenient for you.

The concrete walls, floor plate and staircase "fold" and "bend" around one another, creating openings that give glimpses of the courtyards as well as overhangs and balustrades. Drawing on the courtyard typology typical to the area, the house has an outwardly austere "hollow shell" of board-marked concrete that opens up internally around a bright living area and garden courtyard. Praising the government's Digital India initiative, Pichai said that he is "excited for India to share its experience with the world as it takes over the G20 Presidency in 2023". Gos went to Karachi in 2014 to attend Dawat-e-Islami lectures and was in touch with the two above named accused before and after the heinous crime. His co-accused Riyaz Attari (all followers of Sufi Barelvi Dawat-e-Islami preacher Muhammed Illyas Attar Qadri identify themselves as Attari) had also visited Saudi Arabia.

FBI Jacksonville shares how parents can protect their children from ‘sextortion’

At present, various types of static and dynamic testing of these trains are being done. India's first RRTS, a rail-based, high-speed, high-frequency regional commuter transport system, is being built by NCRTC and will connect Delhi and Meerut on the Sarai Kale Khan-Ghaziabad-Meerut RRTS corridor. Another unique feature of the event is the coincidental "experience vs. youth" thread in both sections, as pointed out by Anand and GM Vidit Santosh Gujrathi. In the open section, GM Hikaru Nakamura and GM Wesley So of the U.S. are solid favorites among the global chess stars, while GM Arjun Erigaisi, GM Gukesh D, and GM Nihal Sarin form the young challengers' brigade. The event is a brainchild of Tata Steel, part of the Tata Group, the largest Indian business conglomerate with a presence in more than 150 countries.

In the first 20 days of January, around 200,000 people shared their test results with India’s health agency – a 66-fold increase compared to all of 2021. Those testing positive with speedy, though less accurate tests were told to self-isolate at home, allowing hospital beds to remain available for the most vulnerable. During last year’s delta-driven surge, an explosion in cases overwhelmed hospitals and testing labs. But last month, as new infections fueled by the omicron variant skyrocketed, so did the number of people testing themselves at home across India. Another concern is that home tests are inherently more difficult to adjust — which needs to be done as the virus evolves. While the accuracy of both home and lab tests are affected when a virus evolves, rapid tests may not be able to detect a new variant, said Vineeta Bal, who studies immune systems at the Indian Institute of Science Education and Research.

#leagueoftechies are in your neighborhood and they will ensure quick and before time response to your Apple or OnePlus device issue. Parul Saxena, a housewife in New Delhi, took a home test last month that turned out negative. But when she continued to have a body ache and fever, she went in for a PCR test, which confirmed what she felt all along — that she was positive for Covid-19. To overcome costumer's requirement and also help other construction company to get imported panel to make sure GFRG panel availability seamless for costumer's. But when she continued to have a body ache and fever, she went in for a PCR test, which confirmed what she felt all along — that she was positive for COVID-19.

Indian officials are relying on a centralized database where people upload their test results using a mobile app. MyLab, the first company approved for its Covid-19 home test, is producing 500,000 tests per day. Sales have jumped tenfold compared to last quarter, said Saurabh Gupta, head of strategy at MyLab. But experts say this figure is likely only a fraction of the actual number of tests used. Despite rules requiring people to share their results with authorities, many aren’t doing so. This means the country’s already patchy testing data is even less accurate and that future clusters may go undetected.

Tata Steel Chess India Rapid & Blitz Inaugurated In Kolkata

After last year's catastrophic delta surge and a sharp rise in omicron infections to start 2022, cases in India have now stabilized with many cities reopening restaurants, schools and workplaces. MyLab, the first company approved for its COVID-19 home test, is producing 500,000 tests per day. Despite rules requiring people to share their results with authorities, many aren't doing so. “If I had to guess, maybe only 20% of people using home tests are reporting it,” said K Srinath Reddy, president of the Public Health Foundation of India, adding that every test result ideally should be reported so authorities can track the virus.

Tata Steel is well known in India for its sponsorship and support of various sports over the years. The Kolkata event takes pride in being the Rapid & Blitz counterpart to the annual Tata Steel Chess Masters events in Wijk aan Zee, the Netherlands. In this, the role played by Pakistan, Turkey and Qatar was noted by the Modi government even though immediate action was taken against the former BJP spokesperson by the party. Both the savage murders with accused using knives took place after alleged blasphemy by a former BJP spokesperson on a local TV channel debate was spot-lighted by global Islamists on social media in June 2022. The panels are prefabricated and cut to desired sizes based on room dimensions with openings for doors and windows, thus making rapid construction possible. Rapid Homes is a panel based construction company servicing in construction industry since 2015.

Had a major Macbook Pro problem with a motherboard issue, done within 2 days and back to running state. Apple service center suggested for a motherboard change worth 80k, and then found Rapid Repair which proved to the indeed a good decision. Would strongly recommend for any macbook issues to get it repaired in a more professional and turstworthy manner.

Based on construction drawings of Rapid Homes, the slab contractor should lay the floor slab to the exact dimensions and ensure the slab is level and has the correct rebates. Holes are drilled in the concrete foundation, starter bars inserted and waterproof membrane applied. Structural / Architectural planning is very important for Rapid homes panel based buildings because using the Architectural layout drawings the erection crew marks out the wall positions in reference to these grid lines. Since January, pharmacists in the state have begun keeping records of those buying home tests.

Rasmusson-Ryan Funeral Home & Crematory Nevada & Maxwell, IA Funeral Home & Cremation

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• Rasmussen Mortuary
• Add your memorial or rememberance
• Grief Support
• James Francis Doherty, Jr.
• Welcome to Rasmussen Funeral Home in Ravenna, NE

Our staff is experienced in a variety of funeral services and can help you celebrate your loved one no matter your religion, culture, or budget. On December 12, 2022, Tony Edmunds took the next step on our journey here on earth. He was born July 29, 1947 in Payson, Utah to Fred and Edna Edmunds. His childhood memories centered around family, friends, sheep, sheep camps, mutton and sour dough. Tony joined the army in 1964 and proudly served our country in the Vietnam War. He married his first wife Vickie Cox, of Manti, Utah and together they had two children.

He was a former part owner of the Yulan Inn with his brother-in-law Thomas Ulrich. We offer a variety of service options to honor a life no matter their preferences, religion, or budget. We’re here to help you create a service that is truly unique to you or your loved one. To send a flower arrangement or to plant trees in memory ofJames Francis Doherty, Jr., please click here to visit our Sympathy Store.

Rasmussen Mortuary

We pride ourselves on our service and facilities we offer...because there is a difference. He shares his knowledge of trade selflessly with family and friends, always willing to lend a hand. He is survived by his girlfriend and partner of 16 years, Nicole McCormack. His children Jordan Maughan and Rylee Unsworth; his 4 grandchildren, Jaxxon, Braelynn, Camden and Creighton; his sister Cindy Maughan; his brother and best friend Chance Maughan; and his dog Clank Milah and Ratchet. Whether you’ve just lost a loved one, are planning your own end-of-life care, or are continuing on your grief journey, we’re here for you.

The family would like to thank the thousands of people that touched his life throughout the years. FloristOne offers same day delivery from local florists. They will fondly remember him for all his wisdom, unconditional love and support.

Add your memorial or rememberance

Vinny was a former coach for the Eldred Little League and played softball for the Park Bar Softball Team. When a loved one dies, it can be difficult to know how to cope with the loss. Here are some great resources to help you on your grief journey.

The florists near Gray Rasmussen Funeral Home own a wonderful and diverse variety of wreaths, bouquets, and baskets to help communicate your sympathy for the family. Get in touch with them today using the details provided above. If you are thinking about sending funeral flowers to a family who have a loved one here, you can send out funeral bouquets to Gray Rasmussen Funeral Home now. Welcome to the Rasmusson-Ryan Funeral Home & Crematory website. Our services are available 24 hours a day, seven days a week and 365 days a year.

Grief Support

We are here to help you tackle the choices one by one and make the process one of love, healing, and life celebration. Agnes “Jean” Patchin, 83, of Central City died Thursday, December 8, 2022 at Cottonwood Estates in Central City.Services... Alyce Dethlefs, 94, of Ravenna passed away peacefully at home surrounded by family on Thursday, December 8, 2022.Celebra... “Joe” Matejka, 88, of Ravenna died Thursday, December 8, 2022 at St. John’s Center in Kearney.Services will be... We offer a full range of gifts to help comfort and support those who need it the most delivered direct from your local florist.

Joseph was a loving husband, caring and devoted father, grandfather and great grandfather. Kiley Sherman, A beloved mother, wife, daughter, granddaughter, sister, niece, cousin, and friend, Kiley J Sherman left this world after a courageous battle with Serous Ovarian Cancer, at 25, on December 19, 2022. Rasmussen Mortuary is a full-service funeral home located in Mount Pleasant and Fillmore, Utah and serves all of Sanpete and Millard Counties.

James Francis Doherty, Jr.

For anyone who is interested in preplanning your funeral service, you can be sure your legacy will be guarded and that you may have peace of mind. With the assistance of a caring and capable staff, Rasmussen-Wilson Funeral Home continues to be here for you to help carry out funeral services that bring honor and dignity to the memory of your loved one. Living in common with the great citizens of this community, of which we are a part, provides a powerful incentive for us to serve those we care for to the utmost best of our abilities. When you have experienced the loss of a loved one, you can trust Rasmussen Funeral Home to guide you through the process of honoring their life. At Rasmussen Funeral Home, we pride ourselves on serving families in Ravenna and the surrounding areas with dignity, respect, and compassion.

He was very involved and close with all his grandchildren. He retired from NYS Corrections after25 years of service finishing out his career as a vocational instructor. December 4, 2022 at his home with his loving wife right at his side after a battle with Alzheimers. The family would like to thank the Sanpete County Sheriff, Search and Rescue, and especially Kirk and Aimee Gamble for all their help, support, and kindness. Vinny was an avid sports fan, he enjoyed all sports, but always rooted for the Yankees and Giants. He was a member of St. Anthony of Padua RC Church, Yulan, NY.

Jim D Rasmussen

He left the military and later married Julie Sorensen, together they shared 38 of the very best years that could be spent on earth. Since 2000, it has been their privilege and their pursuit to ensure that members of our community receive the best care that they can provide. "A family serving families" became their mantra which they continue to abide by today in both word and deed.

The caring memorial service directors at Gray Rasmussen Funeral Home provide specialized funeral solutions designed to satisfy the needs of each family. The funeral director will certainly guide you through all aspects of the program; including funeral flowers, casket choices, appropriate music selection, and local accommodations. The professional, dedicated staff can assist you in making burial service arrangements, funeral preparation, and talk you through cremation options. Trust is their top concern and they specialize in custom funerals, basic cremation, grief support, urn selection, and military burial services which includes offering veteran burial flags.

Mass of Christian Burial

In addition, we are willing to travel and provide services anywhere in the state with no mileage fee. There’s a lot that goes into planning a funeral, but making those arrangements beforehand gives you time to consider all of your options. It is our promise to you and your family to carry out your loved one's wishes with dignity, care, respect and understanding.

Please sign the funeral home on-line guest book for James to express your condolences to his family. James Francis Doherty Jr. , 87, of Syracuse, passed away peacefully surrounded by his loving family on Thursday. James was born on August 15, 1935, in Manlius, NY, to the late James and Lila Doherty. Guided by angels and loved ones both here on earth and in heaven. She graduated from this earthly existence December 3, 2022 at Utah Valley Hospital in Provo, UT. Vincent was an Army/Navy Veteran who served in the Korean Conflict.

Our Locations

Please contact us if our firm can be of assistance to you and your family regarding traditional funerals, cremation services, setting up new prearrangements or transferring your existing preplan or arrangements. We are the clear choice for & dignified funeral services that are trusted in our community. From our families to yours, we pledge our best efforts to provide services and an environment where you can confidently place your trust in us for that which matters most – the care and memory of your loved one. Some of his greatest joys were time spent with his wife on their many motorcycle adventures, watching his children grow and raise families of their own. Gary Jacobsen Carter, loving husband, father, brother and friend passed away on December 4th in Spring City, Utah.

KC Remodel + Garden Show 2023Kansas City MO Kansas City Remodel + Garden Show showsbee com

Table of Content

• Show Features
• The Rolling Garden
• Interactive Exhibitor List
• GET A BOOTH QUOTE!
• GARDENING ADVICE

Stop by NARI’s Ask an Expert booth at the Johnson County Home & Garden Show to discuss your remodeling project with Kansas City NARI remodeling professionals. Stop by NARI’s Ask an Expert booth at the KC Remodel + Garden Show to discuss your remodeling project with Kansas City NARI remodeling professionals. The Show targets project-minded consumers who are seeking to enhance their homes and lifestyles. In order to create a show worthy of the title The Greatest Home Show on Earth!

Appliances and technology provided by Samsung, Ferguson and Factory Direct. Students from Metropolitan Community Collegeare helping build the home while receiving hands-on experience in construction. 20,000 attendees and 300 exhibitors do business together in one of the hottest markets in the US.

Show Features

Don’t miss the January show for the best chance to get your project booked in with local experts. Search for trusted local experts, from flooring to roofing and everything in-between. The Rolling Garden is Kansas City’s newest plant shop. They sell tropical houseplants, planters, art, and artisan goods.

™, we must partner with the best vendors and exhibitors in the Kansas City area. Unlike other shows boring just won't cut it so when you bring your exhibition ideas to us THINK BIG! We want our vendors to think and stretch their abilities just as much as we do. Lets all band together and give Kansas City a show that will be known worldwide. Shows are liable to change dates, times or possibly cancel without notice to the Local Home Expos. Make sure to check with the Show Coordinator for accurate dates, times and information.

The Rolling Garden

The Water Garden Society of Greater Kansas City will showcase a freestanding water garden made with natural rock features. There’s a Dr. Seuss-inspired playhouse, a Kansas City Chiefs-inspired playhouse and more! 13 playhouses in total to be auctioned off to the highest bidder! Step into Spring at the Johnson County Home + Garden Show as you explore feature gardens created by top local landscapers.

The KC Remodel and Garden Show will have unique events, speakers, hundreds of exhibitors and vendors with everything you'll need to create a dream home! Shop unique decor, art pieces, specialty foods, local artisans and more. There will also be a Landscapers Lane and Garden Market for outdoor ideas. Stop by NARI’s Ask an Expert booth at the Johnson County Home & Remodeling Show to discuss your remodeling project with Kansas City NARI remodeling professionals. See why working with a NARI member ensures Remodeling Done RightTM.

KC Remodel and Garden Show 2023 Kansas City, Missouri

Table of Content

• Booth Quote
• Book Your Spring Project!
• Show Features
• SEARCH PROPERTIES
• Johnson County Home & Remodeling Show
• Checklist for designing a reading nook or cozy corner

The KC Remodel and Garden Show will have unique events, speakers, hundreds of exhibitors and vendors with everything you'll need to create a dream home! Shop unique decor, art pieces, specialty foods, local artisans and more. There will also be a Landscapers Lane and Garden Market for outdoor ideas. Stop by NARI’s Ask an Expert booth at the Johnson County Home & Remodeling Show to discuss your remodeling project with Kansas City NARI remodeling professionals. See why working with a NARI member ensures Remodeling Done RightTM.

The Water Garden Society of Greater Kansas City will showcase a freestanding water garden made with natural rock features. There’s a Dr. Seuss-inspired playhouse, a Kansas City Chiefs-inspired playhouse and more! 13 playhouses in total to be auctioned off to the highest bidder! Step into Spring at the Johnson County Home + Garden Show as you explore feature gardens created by top local landscapers.

Booth Quote

™, we must partner with the best vendors and exhibitors in the Kansas City area. Unlike other shows boring just won't cut it so when you bring your exhibition ideas to us THINK BIG! We want our vendors to think and stretch their abilities just as much as we do. Lets all band together and give Kansas City a show that will be known worldwide. Shows are liable to change dates, times or possibly cancel without notice to the Local Home Expos. Make sure to check with the Show Coordinator for accurate dates, times and information.

Stop by NARI’s Ask an Expert booth at the Johnson County Home & Garden Show to discuss your remodeling project with Kansas City NARI remodeling professionals. Stop by NARI’s Ask an Expert booth at the KC Remodel + Garden Show to discuss your remodeling project with Kansas City NARI remodeling professionals. The Show targets project-minded consumers who are seeking to enhance their homes and lifestyles. In order to create a show worthy of the title The Greatest Home Show on Earth!

Book Your Spring Project!

Appliances and technology provided by Samsung, Ferguson and Factory Direct. Students from Metropolitan Community Collegeare helping build the home while receiving hands-on experience in construction. 20,000 attendees and 300 exhibitors do business together in one of the hottest markets in the US.

Don’t miss the January show for the best chance to get your project booked in with local experts. Search for trusted local experts, from flooring to roofing and everything in-between. The Rolling Garden is Kansas City’s newest plant shop. They sell tropical houseplants, planters, art, and artisan goods.

Home Equity Loans Can Be Tax Deductible NextAdvisor with TIME

Table of Content

• Forms You'll Need To Claim A HELOC Deduction
• Rules for Deducting Home Equity Loan Interest
• How To Take a Home Office Tax Deduction
• Rules For Deducting Interest On A Home Equity Loan Or A Home Equity Line of Credit (HELOC)
• You Can Only Deduct A Certain Amount
• Specific Tax Rules

But if your primary mortgage is $750,000 and your secondary home is $250,000, you would only get a tax break on $750,000, and none of your paid interest on the second home would be deductible. Additionally, theTrump Tax Plan limited the mortgage deduction for your first mortgage as well. Beginning in 2018, taxpayers may deduct interest on $750,000 in home loans. Homeowners who purchased their homes before that date can still deduct up to $1 million in principal mortgage debt.

Before you do too much legwork, determine the estimated amount of your interest payments using the 1098 from your mortgage lender. Possibly, depending on your mortgage debt and when you borrowed the money. However, according to IRS rules, you must have used the equity to buy or build a home or improve your existing home substantially to claim the tax deduction.

Forms You'll Need To Claim A HELOC Deduction

If you aren’t sure whether to itemize or take the standard deduction, contact a tax professional for guidance. Only taxpayers who itemize their deductions can claim the interest deduction on their home equity loan. The interest, combined with other deductions, would have to be more than $12,950 for a single person.

But before doing so, you need to understand how this debt will be treated come tax season. It may be wise to contact a financial advisor to help you determine if a HELOC is the financial product for you.Finding a qualified financial advisor doesn’t have to be hard. SmartAsset’s free tool matches you with up to three financial advisors who serve your area, and you can interview your advisor matches at no cost to decide which one is right for you. If you’re ready to find an advisor who can help you achieve your financial goals, get started now. Keep your invoice, receipts and work orders to prove you used your home equity loan funds for home improvements.

Rules for Deducting Home Equity Loan Interest

You should consider deducting the interest on your home equity loan if you used the cash to “buy, build or substantially renovate your home,” according to the IRS. This may be a bit of a surprise if you took out a home equity loan after Dec. 15, 2017, when the Tax Cut and Jobs Act was passed. © 2022 NextAdvisor, LLC A Red Ventures Company All Rights Reserved. Use of this site constitutes acceptance of our Terms of Use, Privacy Policy and California Do Not Sell My Personal Information. NextAdvisor may receive compensation for some links to products and services on this website.

Fortunately, the tax considerations for interest a on a HELOC used to purchase your home are virtually identical to those for your primary mortgage. As long as the HELOC is used to purchase the home, the interest will be fully deductible. Many buyers use a HELOC as a way of avoiding private mortgage insurance .

How To Take a Home Office Tax Deduction

Fourth, the deduction is available for both primary residences and investment properties. Loan proceeds cannot be used to pay off personal debts or other non-qualified expenses. One of the eliminated measures changed tax benefits for home equity loan interest. Much of that deduction was effectively eliminated—at least through the end of 2025.

Whether you pay the points in cash at closing or roll them into your loan will affect how much of the points you can write off in a tax year. Check with your mortgage originator and/or tax advisor to verify your situation. You can only deduct interest on up to $750,000 in mortgage debt, including your first mortgage and any home equity loans or lines of credit. The limit is half that ($375,000) for married couples filing separate returns. Depending on when the loan originated, the IRS allows interest deductions on up to $750,000 or $1 million in mortgage debt ($375,000 or $500,000 if you're married and filing separately from your spouse).

Rules For Deducting Interest On A Home Equity Loan Or A Home Equity Line of Credit (HELOC)

If you are on the fence about a property remodel, then borrowing against your home just to take advantage of deducting the interest is probably not your best choice. In addition to limiting claiming the mortgage interest deduction, the TCJA substantially raised the standard deduction. The standard deduction in 2022 is $12,950 for single filers and $25,900 for couples who are married and filing jointly (rising to $13,850 and $27,700 in 2023). On the form, you’ll list your rental property as an asset and then deduct the interest you paid on the home equity loan as an expense. Please see the IRS website for more information on home equity loan interest and deductions.

Home mortgage interest is any interest you pay on a loan secured by your home, and can include your primary home or a second home. Let’s say you paid $2,000 in interest on a HELOC and $10,000 in interest on your mortgage in 2021. Our mission is to provide readers with accurate and unbiased information, and we have editorial standards in place to ensure that happens. Our editors and reporters thoroughly fact-check editorial content to ensure the information you’re reading is accurate.

Since the collateral is your home, interest rates are lower than other consumer loans or credit cards. If youre interested in consolidating credit card debt, for example, and if you can get a much lower rate with a HELOC, then you could save money this way. Of course, this strategy assumes that youll pay the HELOC down as quickly as possible to minimize interest charges and that you wont run up new debt on the cards that youve paid off.

If you are already itemizing your deductions, then choosing a HELOC or a home equity loan over something like a personal loan so that you can deduct the interest may make the most financial sense for you. Keep in mind that the attractiveness of a HELOC—and its deductibility—can change if interest rates rise. However, you got that deduction no matter how you used the loan—to pay off credit card debt or cover college costs, for example. You can deduct the interest on the loan if the rental property is considered your “primary residence.” To qualify as your primary residence, you must have lived in the property for at least two years. Suppose you’re a property owner using a home equity loan to finance a rental property.

Bankrate follows a strict editorial policy, so you can trust that our content is honest and accurate. The content created by our editorial staff is objective, factual, and not influenced by our advertisers. Homeowners can now deduct interest paid to home equity loans and HELOCs if they use the money to buy, build, or substantially improve a home secured by the loan.

However, the home you used the funds to buy, build, or improve must be the collateral for the loan. The question of whether or not your home equity line of credit was tax-deductible was confusing enough in the past, but the Trump Tax Plan adds more uncertainty to this popular way to access your home equity. For many of you reading this, your HELOC may provide some tax savings; for others, the interest on your HELOC will not be deductible. To make this dividing line even less clear, some homeowners may find that just a specific portion of their HELOC or second mortgage is tax-deductible. Ultimately, it will depend on your personal mortgage and how you file your taxes.

Mortgage Interest & Mortgage Debt

Both home equity loans and HELOCs have the same rules on home equity tax deductions. What’s more, you must spend the money on the property in which the equity is the source of the loan. If you meet the conditions, then interest is deductible on a loan of up to $750,000 ($375,000 or more for a married taxpayer filing a separate return).

In that case, you may wonder if the loan’s interest is tax-deductible. The answer is yes – but there are some important things to consider. This blog post will discuss the deduction for home equity loan interest and how it applies to rental properties. We’ll also provide some tips on how to claim the deduction correctly. For qualifying years, the loan must be secured by the taxpayer’s main home or second home , not exceed the cost of the home and meet other requirements.

Is Home Equity Line Of Credit Interest Tax Deductible

Table of Content

• Best Practices for Claiming the Home Equity Interest Deduction
• Two Unmarried People Purchase a Home — Who Gets t…
• Interest Paid for a Home Equity Line of Credit on a Rental Property
• Financial Quiz
• Is Interest on a Home Equity Line of Credit (HELOC) Tax Deductible?

Learn the ins and outs of a home equity loan vs. a home equity line of credit to decide which option is best for your financial goals. If you can prove you use some of your home’s square footage for business purposes, you may be eligible for this deduction. You’ll need to prove the home address is the same as your business location. You can take the deduction based on a percentage of how much of your home is used for business, or based on a flat $5-per-square-foot rate for up to 300 square feet. You’ll receive a closing disclosure three business days prior to closing, which provides a breakdown of all the costs paid when your home was purchased. You should receive a form 1098 from your current loan servicer at the end of the year.

The deduction can be claimed only for the interest paid on mortgage debt up to $750,000 if the loan was taken out after Dec. 15, 2017. Meanwhile, acquisition debt that’s used to buy, build, or improve a home remains deductible, but only up to a limit. Any new loan taken out from Dec. 15, 2017, onward—whether a mortgage, home equity loan, HELOC, or cash-out refinance—is subject to the new lower $750,000 limit for deducting mortgage interest.

Best Practices for Claiming the Home Equity Interest Deduction

First, the money must be used for home improvements or renovations. For example, you cannot take the deduction if you are using home equity proceeds to pay for personal expenditures or to consolidate credit card debt. The same goes if you are taking out a loan and letting the money sit in the bank as your emergency fund. Whats more, the renovations have to be made on the property on which you are taking out the home equity loan. You cannot, for example, take out a loan on your primary residence and use the money to renovate your cottage at the lake.

For those already itemizing for other reasons, adding on home equity tax deductions can reduce their tax bill. Taking out a home equity line of credit may still be worth it even if the interest is not deductible to you, depending on how you plan to use the money. If you’re interested in consolidating credit card debt, for example, and if you can get a much lower rate with a HELOC, then you could save money this way. Of course, this strategy assumes that you’ll pay the HELOC down as quickly as possible to minimize interest charges and that you won’t run up new debt on the cards that you’ve paid off. If your total mortgage debt is higher than that, then you won’t be able to deduct all of the combined interest paid. Unless you have an exceptionally large HELOC or home equity loan, the interest paid on it is unlikely to be the deciding factor in taking the standard deduction or itemizing deductions.

Two Unmarried People Purchase a Home — Who Gets t…

While we strive to provide a wide range offers, Bankrate does not include information about every financial or credit product or service. Leveraging your home’s equity just for the sake of lowering your taxes may not be the best financial choice. If you decide a cash-out refinance is a better fit for your financial goals, you can compare mortgage refinance rates from multiple lenders in minutes using Credible. Itemizing deductions allows some taxpayers to reduce their taxable income, and thus their taxes, by more than if they used the standard deduction. For example, suppose you have a home equity loan for $100,000, and your rental property generates $20,000 in income. The student loan interest deduction allows a tax break of up to $2,500 for interest payments on loans for higher education.

At NextAdvisor we’re firm believers in transparency and editorial independence. Editorial opinions are ours alone and have not been previously reviewed, approved, or endorsed by our partners. Editorial content from NextAdvisor is separate from TIME editorial content and is created by a different team of writers and editors. Take control of your financial future with information and inspiration on starting a business or side hustle, earning passive income, and investing for independence. Each week, you'll get a crash course on the biggest issues to make your next financial decision the right one. “It’ll tell you how much interest you paid during the year, and then it gives you other information, too, like the balance of the loan,” Schwartz explains.

Interest Paid for a Home Equity Line of Credit on a Rental Property

If you are single, it may not make sense to itemize to deduct the HELOC interest you paid, because the $12,000 in interest you paid is only slightly lower than the standard deduction of $12,550 for singles. We always recommend speaking with your tax preparer or a tax professional regarding your unique circumstance in order to accurately determine whether you qualify for this and other tax benefits. As with the primary home, for interest to be deductible, the loan must be secured by the taxpayer’s main home or second home and not exceed the cost of the home. Qualified mortgage interest includes interest and points you pay on a loan secured by your main home or a second home. Your main home is where you live most of the time, such as a house, cooperative apartment, condominium, mobile home, house trailer, or houseboat. Bankrate is compensated in exchange for featured placement of sponsored products and services, or your clicking on links posted on this website.

At Bankrate we strive to help you make smarter financial decisions. While we adhere to stricteditorial integrity, this post may contain references to products from our partners. Under the new law, it can be any amount up to the limit for the combined total, which is $750,000. That means if your mortgage is $500,000 and you completed $250,000 in renovations, you can deduct the interest on the full amount of your mortgage and your home equity loan.

Home Equity Loan Tax Deduction

In addition to limiting the deduction to certain expenses, the interest deduction is only available for a total loan amount of $750,000. This means that if you are claiming the mortgage interest deduction for both your primary mortgage and your home equity loan or HELOC, you can only claim interest on up to $750,000 of combined loan balances. So, you could use a home equity loan to refinance credit card debt or pay for a wedding, and it was all deductible as long as you stayed under the $100,000 home equity debt cap. The interest on a HELOC is tax-deductible if the loan is used to buy, build, or improve your primary residence or second home. Suppose you use a home equity loan to buy or improve a rental property.

After the TCJA became law, it’s more complicated to get a deduction when you borrow against your home’s equity—but it’s still possible if you meet certain criteria. After the 2017 tax year, interest on home equity debt for purposes other than the "buy, build, or substantially improve" standard is no longer be deductible. There was also no "grandfathering" provision for existing loans and lines of credit, so 2017 was the last year for many homeowners to claim this kind of deduction. Using a HELOC to invest in home improvements to your primary residence could be a smart choice if those improvements increase the home’s value and you can deduct the interest payments.

Pay These Bills Early to Boost Your Tax Deductions

The mortgage is a secured debt on a qualified home in which you have an ownership interest. A second home can include any other residence you own and choose to treat as a second home. You can find the dollar amounts of your mortgage and home equity loan on your most recent billing statements or by calling your loan servicer.

This means that you can no longer deduct the interest on home equity loans that you use to pay off debt or put toward an emergency expense. Joint filers who took out a home equity loan after Dec. 15, 2017, can deduct interest on up to $750,000 worth of qualified loans, while single filers can deduct interest on up to $375,000. The loan proceeds, however, must be used to “buy, build or substantially improve” the home that was used to secure the loan.

Rules for Home Equity Loan Interest Tax Deduction

If you are getting a home equity loan or second mortgage to make improvements to your home, then it is acceptable to deduct those interest payments. However, if you are using them to fund vacations, purchase cars, pay for your kids to go to college, or even to pay off medical bills or credit cards, then you receive no deductions for mortgage interest paid. In the past, many homeowners have taken advantage of the tax deductibility of home equity loan or line of credit interest by using the proceeds from those loans for a variety of purposes. Before the new tax law, how you used the loan proceeds did not matter.

The mortgage interest deduction cap of $750,000 applies to the combined balance of your primary mortgage and a home equity loan or a HELOC. Under the old tax rules, you could deduct the interest on up to $100,000 of home equity debt, as long as your total mortgage debt was below $1 million. Also, remember that you can’t deduct your home equity loan interest if you take the standard deductions, which are slightly higher in 2021 versus 2020.

Whether you pay the points in cash at closing or roll them into your loan will affect how much of the points you can write off in a tax year. Check with your mortgage originator and/or tax advisor to verify your situation. You can only deduct interest on up to $750,000 in mortgage debt, including your first mortgage and any home equity loans or lines of credit. The limit is half that ($375,000) for married couples filing separate returns. Depending on when the loan originated, the IRS allows interest deductions on up to $750,000 or $1 million in mortgage debt ($375,000 or $500,000 if you're married and filing separately from your spouse).

If you’re considering a cash-out refinance instead of a HELOC, Credible makes it easy to compare rates in minutes. Peggy James is a CPA with over 9 years of experience in accounting and finance, including corporate, nonprofit, and personal finance environments. She most recently worked at Duke University and is the owner of Peggy James, CPA, PLLC, serving small businesses, nonprofits, solopreneurs, freelancers, and individuals. Rebecca Lake is a journalist with 10+ years of experience reporting on personal finance.