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These are the steps to financial independence

These are the steps to financial independence

Finance
Queen Elizabeth II, Meghan, Duchess of Sussex and Prince Harry, Duke of Sussex watch a flypast to mark the centenary of the Royal Air Force from the balcony of Buckingham Palace on July 10, 2018 in London, England.Max Mumby | Indigo | Getty ImagesRoyals aren't the only ones leaning on family.As Prince Harry and Meghan, the Duke and Duchess of Sussex, struggle to become financially independent and forgo public funds, they are even more like the rest of us.More than half of millennials over 21 are receiving financial help from a parent or guardian, according to a 2018 report by Country Financial.One-third of the more than 1,000 adults polled still got money from their parents every month to cover expenses such as gas, groceries, rent and their cellphone bill, while nearly two-thirds received...
These people might face a surprise health insurance tax this year

These people might face a surprise health insurance tax this year

Finance
John FedeleThis year, the IRS will let you slide on a penalty if you didn't have health insurance in 2019.Your home state, on the other hand, may not be so forgiving.The 2019 tax year marks the first time that filers won't be required to carry qualifying health-care coverage under the Affordable Care Act.As recently as the 2018 tax year, people who went without coverage were assessed a fee when they filed their federal tax returns. Either they paid $ 695 per uninsured adult or $ 347.50 for each child or they were assessed 2.5% of their yearly household income.More from Personal Finance:Seniors can't pay for basics, and Social Security's not enoughLaw took a retirement strategy out of play. How to get around itWhat to do about Medicare if you're almost 65 and workingThe Tax Cuts and Jobs Ac...
Boxing Day football: Relive these Christmas crackers including Phil Brown’s half-time antics, a Manchester United vs Newcastle classic, and Chelsea’s eight-goal thriller

Boxing Day football: Relive these Christmas crackers including Phil Brown’s half-time antics, a Manchester United vs Newcastle classic, and Chelsea’s eight-goal thriller

Sports
At this time of year, it’s important to remember the true meaning of Christmas. It’s not about the presents, or the copious amount of food and drink. It’s about football. Supporters from up and down the country, dressed in embarrassing jumpers they must pretend to like, escape to a winter wonderland of sport on December 26th each year. Manchester United get festive with a huge Christmas tree. But if you’re stuck inside with the relatives, fear not, because talkSPORT will be streaming every game exclusively live on our app! To get you in the mood, talkSPORT.com plays the Ghost of Christmas Past, taking you through some of the very best fixtures from the Premier League’s favourite day of the year. So, know them better now, and revisit some Christmas crackers as
The worst money mistakes these top advisors have seen investors make

The worst money mistakes these top advisors have seen investors make

Finance
Witthaya Prasongsin | Moment | Getty ImagesIrish author James Joyce wrote in his novel "Ulysses" that a genius makes no mistakes. "His errors are volitional and are the portals of discovery," he wrote. Talk about hindsight being 20/20. Joyce's spin aside, mistakes can indeed be learning experiences — and we all make them, especially when it comes to finances.Financial advisors make a living trying to help clients steer clear of error when it come to managing money but mistakes do happen. Sometimes it's a matter of sage advice not taken, other times entrenched bad habits or beliefs that just won't yield to common sense. We asked advisors from firms that made the FA 100 list what the worst money misstep they've ever seen a client or other investor make was. Their replies follow.California Fi
The Property Brothers: Don’t make these home renovation mistakes

The Property Brothers: Don’t make these home renovation mistakes

Finance
When it comes to renovating your home, the last thing you want is surprises.So before you start swinging a hammer, it's important to take steps that can help you avoid costly blunders, according to Drew and Jonathan Scott, the stars of HGTV's "Property Brothers.""[The] No. 1 common mistake that so many people make when they're renovating their house [is thinking] 'I can take this whole thing on myself,'" said Drew, a real estate agent."If you've never been a general contractor, and you're doing a major renovation, and now you want to be your own general contractor, first red flag. Probably a problem," added Jonathan, a licensed contractor.That doesn't necessarily mean that you have to hire a professional for everything.Instead, think about your comfort zone. If a project is outside of it —