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Sharrel Cummings, CPA, PLLC
Service, Quality, Integrity
sccpa@allwest.net
Personal Finance --
Personal Finance
Articles
Buying a car
ABCs of auto insurance
Buying a car
GAP insurance
How safe is that new car?
Financial basics
Establishing a budget
Getting started: establishing a financial safety net
Working with a financial advisor
Managing credit and debt
Choosing a credit card
Contemplating bankruptcy
Credit traps for the unwary
Debt consolidation
How student loans inpact your credit
Understanding your credit report
Owning a home
Applying for a mortgage
Buying a home
Buying a home both you and your insurer will love
Opening the door to homeowners insurance
Refinancing your mortgage
Selling a home
Tapping the equity in your home
Tax benefits of home ownership
Your home as a source of dollars in retirement
Decision Tools
Owning a car
Auto insurance analyzer
Auto loan payment calculator
How to save money on your auto insurance
Should you buy or lease your car?
Owning a home
Homeowners insurance quiz
How to save money on your homeowners insurance
Is my home mortgage interest fully deductible?
Less common mortgage options
Mortgage payment calculator
Popular types of mortgages
Should you refinance your mortgage?
Saving, spending, and borrowing
Consumer price index inflation calculator
Credit cards--advantages vs. disadvantages
Deciding which credit card to get
Growth of annual deposits calculator
Loan amortization calculator
Net worth calculator
Personal cash flow worksheet
FAQs
Bankruptcy
Can I buy a house even though I declared bankruptcy?
I can't pay my bills. Should I declare bankruptcy?
What's the difference between Chapter 7 and Chapter 13 bankruptcy?
Buying a home
Can I buy a house even though I declared bankruptcy?
Can I buy a house with no money down?
How much house can I afford?
How much money do I have to put down to buy a house?
Should I buy a home or continue renting?
Should my partner and I buy a house together even though we're not married?
We just bought our first home. What can we deduct from the settlement statement?
What is involved in buying a house that's for sale by owner?
What's the Homestead Act?
Buying, selling, or leasing a car
How much will my monthly car payment be?
Is there any way to get out of a car lease?
Should I buy or lease a car?
Should I pay cash for a car or finance it?
Credit basics
How can I correct errors on my credit report?
How can I figure out my net worth?
How can I get credit if I have no credit history?
How can I protect myself against identity theft?
How can I reduce my spending?
How can I repair my poor credit?
How do I get a copy of my credit report?
How long should I keep copies of my tax returns?
How much money should I keep in a savings account for emergencies?
I can't pay my bills. Should I declare bankruptcy?
Should I invest my extra cash or use it to pay off debt?
Will debt consolidation hurt or help my credit rating?
Credit cards
How can I lower the interest rate on my credit card?
How can I pay off my credit card debt?
I get a lot of credit card offers. How can I tell which one is best?
I've finally paid off my credit cards. Should I close the accounts or leave them open with zero balances?
Mortgages
Can I use a piggyback mortgage as an alternative to private mortgage insurance?
Can my mortgage lender require me to have an escrow account?
I am behind on my mortgage payments. Will my lender begin foreclosure proceedings?
I'm a first-time homebuyer, and I don't have a lot of cash to put down on a house. What type of mortgage would be best for me?
I'm having a hard time selling my home. Should I take out a reverse mortgage?
My mortgage includes a statement that a penalty may be imposed for early payoff. What does that mean?
Should I choose a mortgage with no points and pay a higher interest rate, or should I put money toward points to lower the interest rate on a mortgage?
Should I pay off my student loans early with a home equity loan?
Should I take out a home equity loan to pay for my child's tuition?
What are the advantages of making biweekly mortgage payments?
What's involved in getting a VA mortgage?
What's the difference between a home equity line of credit and a second mortgage?
Which mortgage is better--fixed rate or adjustable?
Why do I have to purchase homeowners insurance in order to obtain a mortgage?
Private mortgage insurance
Can I use a piggyback mortgage as an alternative to private mortgage insurance?
What's private mortgage insurance , and can my mortgage lender require me to have it?
Refinancing a mortgage
Do I need to let my homeowners insurance company know that I'm refinancing a mortgage?
I refinanced my principal home last year and paid points. What are points, and can I deduct them on my tax return?
Should I refinance my home mortgage?
Selling a home
How do I figure the tax on the sale of my home?
I'm having a hard time selling my home. Should I take out a reverse mortgage?
I'm retired now and own my home outright, but I need money to live on. How can I use my home to raise some money without selling it?
Should I sell or rent out my present home?
Spousal credit issues
Am I liable for my spouse's debts?
I'm marrying someone with bad credit. How will this affect me?
Should I open a joint checking account with my spouse?
What's the difference between an "injured spouse" and an "innocent spouse"?