Page 12 – The Money Coach

Best Personal Finance Apps for Couples in 2025

The Best Personal Finance Apps for Couples to Manage Money Together

Leave a Comment / Personal Finance / Abdul Qadeer / budgeting tools, couples budgeting, joint finances, money management, personal finance apps

Managing finances as a couple can be both rewarding and challenging. When two people combine their financial lives, it’s important to stay organized and transparent. Using personal finance apps for couples is one of the most effective ways to achieve financial harmony while working toward shared goals. These apps make it easier to track expenses, […]

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Savings Accounts at Digital Banks: Smart Banking Tips

Is a High-Yield Savings Account at a Digital Bank FDIC Insured?

Leave a Comment / Personal Finance / Abdul Qadeer / digital banks, fdic insurance, high-yield savings, insured deposits, online banking safety

A high-yield savings account at a digital bank can be one of the smartest ways to grow your money safely. These accounts typically offer interest rates far above traditional savings accounts, allowing your funds to work harder without taking on market risk. But one key question remains—are high-yield savings accounts at digital banks FDIC insured?

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Understanding Cryptocurrency Taxes: A Beginner’s Guide to Form 8949

Leave a Comment / Taxes / Abdul Qadeer / capital gains tax, crypto tax reporting, cryptocurrency taxes, form 8949, irs compliance

Cryptocurrency taxes are one of the most misunderstood areas of modern finance. As digital currencies like Bitcoin and Ethereum continue to gain popularity, the IRS has made it clear: cryptocurrency is taxed as property, not currency. That means every time you sell, exchange, or spend crypto, you could be triggering a taxable event. This guide

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Is Mobile Banking Safe? The Security Checklist You Need to Follow

Leave a Comment / Personal Finance / Abdul Qadeer / 2fa security, mobile banking, online banking safety, phishing scams, vpn protection

Mobile banking security has become a top priority as millions of users rely on their smartphones to manage money daily. While the convenience of digital banking is undeniable, the question remains: is mobile banking safe? The answer is yes—if you follow proven security practices. This complete security checklist will walk you through the most effective

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The True Cost of P2P Payment Apps: Fees, Limits, and Tax Implications

Leave a Comment / Personal Finance / Abdul Qadeer / digital payments, managing finances, p2p payment apps, payment app fees, tax implications

Peer-to-peer (P2P) payment apps like Venmo, PayPal, and Cash App have changed how people send and receive money—making financial transactions faster and more convenient than ever. But beneath the convenience lies a complex web of fees, limits, and tax implications that can catch users off guard. Understanding these factors is essential for anyone using P2P

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Secured vs. Unsecured Personal Loans: Which Debt Option is Cheaper?

Leave a Comment / Loans / Abdul Qadeer / Credit score, interest rates, loan comparison, personal loans, secured loans, unsecured loans

When you find yourself in need of extra funds, secured vs unsecured personal loans can be a viable option. However, it’s essential to understand the distinction between secured and unsecured personal loans. A secured personal loan is one that requires you to provide collateral, which is an asset that the lender can claim if you

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5 Costly Tax Write-Off Mistakes Small Businesses Make Annually

Leave a Comment / Business / Abdul Qadeer / irs audit, small business taxes, tax deductions, Tax Tips, write-off mistakes

When it comes to managing your business finances, one of the most common pitfalls is overlooking eligible expenses. You might be surprised to learn that many costs associated with running your business can be deducted from your taxable income, ultimately reducing your tax liability. However, if you fail to recognize these expenses, you could be

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Negotiating a Lower Interest Rate on Your Credit Card: Scripts and Strategies

Leave a Comment / Credit Cards / Abdul Qadeer / credit card interest, Credit Score Improvement, debt management, Financial Tips, negotiation scripts

Negotiating a lower interest rate on your credit card can significantly impact your financial health. When you take the initiative to lower your interest rate, you can save a substantial amount of money over time. High-interest rates can lead to a cycle of debt that feels impossible to escape, as more of your monthly payment

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How to Get a Small Business Loan with Bad Personal Credit

Leave a Comment / Business / Abdul Qadeer / bad credit financing, business funding, credit repair, SBA loans, small business loan

Your credit score is more than just a number; it’s a crucial indicator of your financial health and reliability. When you apply for a small business loans with bad credit, lenders closely examine your credit score to evaluate the level of risk involved. While a higher score often leads to better loan terms—such as lower

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Bootstrapping vs. VC Funding: Which Path is Right for a Solo Entrepreneur?

Leave a Comment / Entrepreneurship / Abdul Qadeer / bootstrapping, business growth, solo entrepreneur, startup financing, vc funding

As you embark on your entrepreneurial journey, one of the most critical decisions you will face is how to fund your business. Two primary avenues often come into play: bootstrapping and venture capital (VC) funding. Bootstrapping refers to the process of building a business from the ground up using your own resources, such as personal

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The Pros and Cons of Accepting Buy Now, Pay Later for Your Small E-commerce Shop

Leave a Comment / Business / Abdul Qadeer / bnpl, buy now pay later, e-commerce payments, online retail, Small Business

In recent years, the retail landscape has undergone a significant transformation, largely driven by the rise of digital commerce. One of the most notable innovations in this space is the emergence of Buy Now, Pay Later (BNPL) services. These services allow consumers to make purchases immediately while deferring payment over a set period, often without

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How to Dispute a Charge-Off on Your Credit Report

The Step-by-Step Process for Disputing a Charge-Off on Your Credit Report

Leave a Comment / Credit Reports / Abdul Qadeer / charge-off, credit dispute, credit report, Credit score, debt collection

When you delve into the world of credit reports, one term that often raises eyebrows is “charge-off.” A charge-off occurs when a creditor deems your debt uncollectible after a prolonged period of non-payment, typically around six months. This doesn’t mean that you are off the hook for the debt; rather, it signifies that the creditor

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When to Hire Your First Employee vs. Outsourcing as a Solopreneur

Leave a Comment / Business / Abdul Qadeer / business growth, first employee, hiring vs outsourcing, outsourcing guide, solopreneur

Knowing when to hire your first employee vs outsourcing is one of the most important strategic decisions a solopreneur will ever make. Both options can help you manage your workload, scale your operations, and boost productivity—but choosing the right one depends on your business stage, cash flow, and long-term goals. Hiring your first employee provides

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How to Build Business Credit Fast Without a Personal Guarantee

Leave a Comment / Credit Scores / Abdul Qadeer / business credit, business credit cards, Credit Building, no personal guarantee, small business finance

In the world of entrepreneurship, business credit serves as a vital lifeline for your company’s growth and sustainability. It is not merely a financial tool; it is a reflection of your business’s credibility and reliability in the eyes of lenders, suppliers, and potential partners. When you establish a solid business credit profile, you open doors

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Understanding 1099-K Tax Forms: A Guide for Digital Sellers and Freelancers

Leave a Comment / Taxes / Abdul Qadeer / 1099-K, digital sellers, freelance taxes, IRS reporting, PayPal income, self-employed taxes

The 1099-K tax form is a crucial document for anyone involved in payment processing, particularly in the realm of freelancing and digital sales. This form is issued by payment settlement entities, such as credit card companies and third-party payment processors like PayPal or Venmo. Its primary purpose is to report the gross amount of payment

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