Intuit TurboTax Review

In this article, I will be providing you with a detailed, honest  Intuit TurboTax review of their tax preparation software. You can get this product in the form of a CD from your local computer, electronic, or convenience store, or you can
start filing online for FREE right away. I recommend the online version as CD’s can be lost or damaged; and in this case, they are completely unnecessary. TurboTax saves all your tax forms on their servers and they are accessible whenever you need them.

Since the 2018 tax year is here with the e-file date of January 29, 2018, you need to know how you will be filing your taxes this year.

Name: TurboTax

Website: https://turbotax.intuit.com

Price: $0 – $149.99

Owners: Intuit

Overall Rank: 5 Stars

TurboTax Overview

TurboTax is the #1 best-selling tax preparation software available for use to the public. Gone are the days when you must pay hundreds to thousands of dollars to get your taxes filed. Depending on your financial situation and the assets you hold, the most you will pay with TurboTax is $149.99; and that is the largest product that contains filing information for business owners. Many who don’t own their own business, home, or have many assets or expenses qualify to use Free Edition of TurboTax.

Turbotax makes it easy to file your taxes like a professional. All you do istaxes with 100 dollar bill 3d answer simple questions about your life situation; the answers to those questions are used to complete the necessary tax forms. It’s so easy that a child could do it! TurboTax calculations are 100% accurate, and that is guaranteed! All tax laws are up-to-date, so you can rest assured that you are getting every tax deduction and credit that you are entitled to.

The Good & the Bad

The Good:

User-friendly interface

Step-by-Step Instructions

good check mark and bad x mark

Start Filing for Free

Pay Nothing Out of Pocket

Audit Support Guarantee

TurboTax Mobile App

The Bad:

The only downside associated with the Turbotax preparation software is that to get the maximum amount of deductions, depending on your assets, you will have to purchase the Deluxe, Premier, Self-Employed or Turbotax Live products. The Free Edition will not be sufficient.

In addition to the cost of the products, there is a mandatory filing fee required by the federal and state government, with the exception of the Free Edition which is free for all.

TurboTax at a Glance…

TurboTax can be used by anyone who is required to file a tax return over the age of 18. You don’t need to be a professional CPA or tax preparer to use this service.

In addition to tax preparation products, TurboTax includes a free service called Intuit Turbo; information on verified income, credit scores provided by Transunion and your debt-to-income ratio with personalized tips based on tax and credit data.

The current products offered by TurboTax are listed below in the chart.

TurboTax tax preparation software products

==>To Start Filing your Taxes Now Click Here!<==

TurboTax Tools

Multi-factor authentication, touch ID, data encryption, login device history, auto email notifications

TurboTax Live – Live help from tax preparation professionals and CPA’s.

Tax Tips and Videos – Featured and recent tax tips and videos to help you with tax credits and deductions as well as self-employed information.

ItsDeductible Donation Tracker – Track all your charitable donations for tax return credits.

TaxCaster Refund Calculator – Estimates tax refund or amount of taxes you will owe.

Tax Bracket Calculator – Enter filing status and taxable income to determine the tax bracket you fall in.

E-File Status Refund Tracker – Check filing status and refund dates with the IRS.

Self-Employed Expense Estimator – Estimates tax saving based on yearly work-related expenses.

TurboTax Support

Turbotax provides 24/7 support for both tax and products; answers are provided by experts. There is an FAQ section, you can browse Q & A’s by topic, or search for your answer by typing in your question. In addition, there is aTurbotax support options community where you can post your questions if you cannot find your answers in the AnswerXchange.

There is also a blog which can be personalized, if you do so you can receive an additional 10% off whichever Turbotax product you choose. It also includes news topics that you can filter by; most popular, most recent, author, and category.

The TurboTax blog covers topics such as tax deductions and credits, tax planning, income and investments, news and social, tax reform, and self-employed topics.

TurboTax Prices

The pricing for Turbotax ranges from FREE to $149.99 depending on which product you go with; Free Edition, Deluxe $39.99, Premier $59.99, Self-Employed $89.99, or TurboTax Live $149.99.

The Free Edition is free because this version is for simple tax returns, for those that don’t have assets such as houses, businesses, or rental properties. The Deluxe product is the most popular because it includes the ability to maximizePricing question your deductions and credits which leads to a larger refund.

Premier Edition includes all features of the Free and Deluxe Editions, however, will maximize credits for those with investment and rental properties.

The Self-Employed Edition includes all features of the Free, Deluxe and Premier Editions but maximizes business income and expenses.

Of all TurboTax products this my favorite because all deductions and credits are maximized. Additionally, you receive immediate support for any questions that you may have while filing your taxes.

Click here now to see why I prefer TurboTax’s Self-Employed Edition.

My Final Opinion of TurboTax

Intuit TurboTax Review
  • Price
  • Usability
  • Website
  • Support
4

My final verdict on Turbotax is that it is legit product and by far the best tax preparation software available. I have used this product every year since 2008
so I can say with 100% certainty that TurboTax is a reputable product, very easy to use, and does maximize your tax refund.

The amount of my tax refund when using Turbotax was much higher than when I would go to H & R Block tax preparation service. Additionally, I get my refund back 9 days after I file. TurboTax says that you should receive your tax refund back within 19 days, personally I have never waited more than the 9 days.

For those of you who are not familiar with H & R Block, it is a tax preparation agency. They charge a large fee for their services and it can fluctuate depending on the amount of your personal refund. Of course, they do not advertise their fees this way; however, you find this out when you have been there and invested a couple of hours of your time.

The same services that you receive from tax professionals you can do for yourself. The same questions they are asking you to complete your tax forms are the same questions that Turbotax asks you to answer to complete the tax forms on their software. Therefore, you do not need to pay anyone to do this for you. Do it for yourself and save your money!

Well, this concludes my review, I hope that I have provided you with enough information to make an informed decision. If you have any further questions feel free to leave them below and I will get right back with you with an answer.

Click here now to file your tax returns and get the biggest refund you have ever received!

Intuit Mint Review

In this article, I am going to be providing you with an honest, unbiased review of the budgeting suite Intuit Mint, or Mint for short. In addition to helping youIntuit mint logo manage your money, Mint has an intuitive interface, helps you manage your 401K, other investments, and bill payment service. Mint also helps you find savings on services like insurance, credit card, loans, and bank accounts. What I like most about Mint is that you can link your bank counts, utility bills, and credit account so that you can manage all in one place. Mint is 100% FREE, so it fits into all budgets!

Intuit Mint Review
  • Price
  • Usability
  • Website
  • Support
5

Available Features

  • Bill Payment – Schedule bill payments, receive the bill due-date notificationsMint Features Overview and track all finances under one location.
  • Investments Tracking – Investments are a huge part of your financial health; this feature enables you to stay on top of your portfolio. Instant view of asset allocations for all investments such as mutual funds, 401K, IRA’s and brokerage accounts.
  • Credit Recommendations – Personalized credit card, insurance, bank account, lending, and investment options provided.
  • Account Link/Management – Ability to link all bank accounts, credit accounts,Mint Linked to personal accounts and utility accounts into the database.
  • Easy budgeting – This feature calculates your spending habits by category which enables you to create a budget with your spending patterns in mind. Budgets can be adjusted from the auto-suggestions.
  • Free Credit Score – No credit cards required, after identity verification a free credit summary will be provided with credit education and alerts whenever new credit information is received by Equifax.Mint Credit Score Overview
  • Alerts and advice – Get alerts when bills are due, fees are charged, over on your budget, or any suspicious transactions are in process.
  • Simple categorization – Default categories for spending which are easy to rename, also able to add own categories for spending habits/budget
  • Security – With all the personal information housed within the Mint platform securing information is of the utmost importance. Multi-factor authentication is included as well as the ability to remotely delete all account information ifMint weekly summary needed. Security scanning with Verisign ensures sensitive data transfer is secure.

As you can see, Mint has plenty of features so that you can monitor and track your finances as well as your credit.

Additionally, you are able to set up notifications so that you are always up-to-date on the status of your finances.

==>Click Here Now to Set Up Your Budget With Mint<==

Support

  • Mint Help – Featured questions, bill pay, accounts and transactions, login and multi-factor authentication, ability to search the entire site for specific answers.
  • Blog – Bankruptcy A-Z, credit information, travel tips, investing advice, moneyMint Help options audit, food budgets, housing finances and more topics for your review.
  • Sitemap – All pages listed by category or topics contained within the website.

Final Thoughts

Overall, Mint is an intuitive platform that is everything one needs for budgeting, managing finances, and credit all in one place. There is no need tomint sign up login to multiple platforms any longer. I have no negative findings except that reporting can be delayed from 1-3 days when the system is gathering updated bank account balances, account payments, or fees that have been charged.

You can say goodbye to late fees as the payment notifications and bill due dates approaching come right on time.

Mint has a sitemap which is separated into categories that make it easy to find the topics or answers to the questions that you are searching for. The user interface is very friendly and easy to use, even for those that are not tech savvy.

Start managing your finance now, registration is free and easy, you can sign up by clicking here.

If you have any further questions or comments feel free to email me at shwana@yourcreditrestoredfast.com or leave your comment below.

Credit Sesame Review

Credit Sesame Review

Credit Sesame is a credit, debt, and loan management platform that providesCredit Sesame Financial Analysis and Online Tools 100% free credit scores, credit monitoring, credit report card, identity theft protection, and saving recommendations. They have been in business since 2010, and from that time on have been helping consumers repair their credit.

Credit Sesame is BBB (Better Business Bureau) certified and has been featured in The Wall Street Journal, Today, and The New York Times.

Credit Sesame Review
  • Price
  • Usability
  • Support
  • Website
5

Available Products

Credit Sesame provides a full suite of credit features so that you can keep track of your credit standing. These services do not require any trials, credit cards, or commitments. The products that are available are:

  • Free Credit Monitoring – Real-time daily alerts sent by text or email if changes occur on your credit reports as soon as they happen to help deter identity theft or errors on your credit reports, helping you improve your overall credit score and financial health.
  • Free Monthly Credit Score – Monthly credit scores and debts from Transunion VantageScore, compiled with advanced analytics to customize recommendations on credit cards and loans. This gives you a look at your overall financial picture with objective savings recommendations for your debts.
  • Free Credit Report Card – Full credit report card analysis which tracks your credit accounts, debts and a complete, comprehensive look at your credit activity.
  • Free Identity Theft Protection – $50,000 in identity theft insurance and live support to guide you through the identity restoration process.

In addition to the features above you can download the Credit Sesame mobile app to receive the real-time notifications that are available. Credit Sesame also provides financial tools and personalized recommendations to help you save money on accounts that are on your credit profile.

==>Click Here to Start Monitoring Your Credit Now<==

Additional Benefits

Credit Sesame is also a financial advising center that provides ways to save money on a home, auto, credit cards, and loans. There are also credit cards options that are aligned with your credit rating, home value estimates, and trending graphs that monitor your savings and are easy to use. These benefits include:

  • Mortgage Loan Research Center – Analytics engine that compares debt and credit score profile to match you with best mortgage options and rates.
  • Mortgage Calculator – Provides a visual projection of potential home loansFinancial Services rates; information about loan details must be input into the mortgage calculator.
  • Auto Loan Rates – Provides information on the blog and how to improve your credit so that you can land a great interest rate.
  • Auto Insurance – Rate provider tool matches you with the best rates and providers that match your needs.
  • Free Credit Strategy
  • Student and Personal Loans – Different loan options for repayment or refinance with different payment plans for all situations.
  • CD Rates
  • Savings Accounts – Information on different saving methods.

In addition to free services, Credit Sesame also provides premium services for those that want extra protection which consists of a full spectrum of credit monitoring from all 3 credit bureaus. Premium services include:

  • Unlimited Daily Credit Score Updates
  • Downloadable Monthly Credit Report
  • Social Security Number Monitoring
  • $1,000,000 Identity Theft Insurance
  • Dispute Resolution 24/7 Live Help

The premium services offered correspond to the regular products with their being 4 differences; the amount of identity theft protection doubles from $50,000 to $1,000,000, credit score updates are unlimited instead of 1/month, social security number monitoring, the credit score updates are from all 3 credit bureaus instead of only Transunion.

Support

The Credit Sesame support platform consists of:

  • Q & A Forum – Hosted by financial experts that you can trust in a secure environment enabling categorical searches such as credit score, insurance, credit cards, loans, and mortgage.
  • FAQ Section – Includes troubleshooting, credit questions, advice and recommendations, general questions and debts questions.
  • Email Support – When all else fails you can ask your questions directly and get your response from their credit experts.
  • Credit Sesame Expert Corner – Latest expert advice and commentary from their expert John Ulzheimer who was formerly employed with FICO and Equifax. His advice has been published 3000+ times in materials like CBS MoneyWatch, Forbes, Bankrate, TIME, Yahoo Finance and more.
  • Blog – Includes guides on mortgage down payments, student loans and defaults, personal/business credit, and credit score information.

With these services, you have a platform that will give you immediate access to the answers that you are needing exactly when you need them.

And the Verdict Is…

Credit Sesame is a great platform that provides your credit and debt information in one location. Not only do they provide you with the necessary tools to successfully monitor and improve your credit; they also give you the tools to help you on your journey to financial freedom. There is also a blog filled with a plethora of credit and financial information and a Q&A platform with answers from financial experts to help you along the way. Don’t wait for a second longer! Click here or on the picture below to get started on your road to financial independence!

Free Credit Score Sign Up

The Credit Pros Review

Overall Ranking: 9 out of 10
Price: $50-$279
Owners: Damon DeCrescent and Jason M Kaplan Esq
Website: https://thecreditpros.com

The Credit Pros is a financial technology firm that specializes in credit repair services for the public. They have an A+ rating with the BBB (Better Business Bureau) and have been ranked by Inc Magazine as one of Americas 5000 fastest growing companies for the past 2 years. The Credit pros focus’ is on getting erroneous, unverified and inaccurate information removed from your credit reports. The Credit Pros also offer free credit consultations to educate their clients.

PROS/CONS

The Credit Pros are dedicated to getting items removed that are negatively affecting your credit score; such as past due accounts. On their website, you can find many positive reviews and testimonials which is always a plus. Basically, if you don’t feel like putting the work in on your own to increase your credit score this service seems like a good fit. Since the first step to increasing your credit score is to get the erroneous items removed this service can be invaluable to some. They offer a free consultation so you can be updated on your financial and credit standing. Most importantly, there is a 90-day money back guarantee in conjunction with the ability to cancel their service at any time. If they fail to have erroneous items removed within 90 days they will issue a full refund.

On the other hand, the guarantee does not define whether they will return your money if you want to cancel and items have been removed. This leaves a pretty big loophole which makes me a little nervous. The money back guarantees also do not state if partial month refunds are given. Another issue that I have with The Credit Pros is the cost of the service; I believe that they could provide their service for a more reasonable price.

WHO IT IS FOR                                                  

Those that will benefit most from the use of this product would be beginners, individuals that are just starting out and becoming comfortable with their credit. Sure, even those that are well versed and educated with their credit and the laws that protect them can benefit from this service but in my opinion, the value just isn’t there for those that are comfortable enough to complete the necessary steps to repair their own credit.

TRAINING/TOOLS OVERVIEW

Included with their services you get one-on-one consultations with a Certified FICO© professional, unlimited disputes, debt validation letters to creditors, goodwill letters to creditors, cease and desist letters to collection agencies and 24/7 access to your client portal.

There is also unlimited access to their blog which is filled with valuable information. This information includes updates to many types of credit information and laws. In my opinion, this information is invaluable.

==>Click Here Now to Get Started with The Credit Pros<==

SUPPORT                       

The Credit Pros can be contacted by telephone between 9am-8pm EST Monday – Friday and they have an email where you can submit your comments and questions. The phone number on the website is manned by the credit repair specialists.

PRICE

The Credit Pros’ Pay for Results plan is $179 for individuals and $279 for couples, this is just the first down payment. In addition to the initial payments, for every item removed that they confirm has been deleted from your credit report they bill you an additional $50 per each item per each bureau. If the deletion is a public record $75 will be billed per item per bureau.

As you can see depending on the number of items removed from your credit reports this number can vary. On their website, they say that the $179 or $279 is the first payment but it is not clear whether there will be additional payments monthly,

And The Verdict Is…

In summary, The Credit Pros is a great resource and I would recommend this service to those that are new to the credit repair arena or those that do not have the time to dedicate to repairing their own credit.

You will need money to pay for this service, but an excellent credit score is worth it. The small investment that you make towards restoring your credit will be earned almost immediately.

Based on all the testimonials and excellent reviews that this company has it is no doubt a great investment. The money that you will save when you have a higher credit score on interest rates and other credit offers is well worth the amount of money that you need to invest in the Credit Pro’s service.

To get started on your way to a better credit score click here now. If you have any further questions or comments feel free to leave them below.

MyFico.com Review – The Easiest Way to Monitor All 3 Credit Bureau Reports

June 24, 2017 by Shwana

Product: MyFico.com Review

Price: $19.95-$59.95/month or $219-$329/year

My Rating:  5 Stars

The MyFico.com,

Product Overview

When it comes to monitoring your credit, there are so many products that provide this service that it can become very overwhelming making the best choice on one that will suit your needs. Most importantly, you need to be fully informed on all 3-credit bureau activity, creditors don’t always report to all 3. MyFico.com is a well-established credit monitoring service that I trust and has been around since March 2001. MyFico.com is the consumer division of the actual FICO score that lenders have been using since 1960. There are multiple programs made to fit different individual needs and budgets.

FICO Scores Products Explained

The MyFico website currently offers four different credit monitoring products that are affordably priced, they are: Score 1B Report, Score 3B Report, Essentials 1B and the most popular Ultimate 3B. All products include your credit score, the initial credit report that each score was based on and any additional FICO Score versions (there are over 28). MyFico just recently switched their scoring model to FICO Score 9 where previously they were using FICO Score 8.

The difference between one scoring model to the next is the percentage at which the credit factors are weighted. Only the Essentials 1B and Ultimate 3B have access to new credit reports and scores with the Essentials 1B’s being monthly FICO Score 9 version from Equifax and the Ultimate 3B being 28 quarterly FICO score versions from all 3 bureaus.

All 4 programs include an analysis of factors that affect your credit scores, a score simulator and an interest rate tracker. Only the 3B report and Ultimate 3B include a side-by-side credit report comparison. The Essentials 1B and Ultimate 3B include the following: 20% discount on additional score and credit report purchases, monitoring w/alerts when report changes are detected, updated FICO score 8 at time of change alert, historical graph tracking updates, customized alert settings delivered via email or text, $1 million identity theft insurance, 24/7 identity restoration and lost wallet protection. Only the 3B Ultimate includes identity analysis report, text or email alerts of potential threats, black market website surveillance and SSN alias watch.

Product Prices

The Score 3B report is a one-time purchase of $59.85 and consists of all 3 credit bureau reports: Experian, Transunion and Equifax.  The Score 1B report is also a one-time purchase of $19.95 which is viewable for 30 days from the date of activation. The Essentials 1B is also 19.95/monthly with a yearly option of $219 both options automatically renew and can be canceled at any time, however there are no partial month refunds given. The same goes for Ultimate 3B which is $29.95/month with a yearly option of $329.

And the Winner Is…                                               

In my opinion, the best program is the FICO Ultimate 3B is the best option and value. You receive all 3 credit reports and FICO scores with the new scoring model FICO score 9. Paying the yearly fee of $329 is the better value as it saves you $30.40. I hope you enjoyed my review, if you have any further questions feel free to comment below or contact me at shwana@yourcreditrestoredfast.com .