Dan Rafter

Dan Rafter has been writing about personal finance for more than 15 years. He's written for publications ranging from the Chicago Tribune and Washington Post to Wise Bread, RocketMortgage.com and RocketHQ.com.

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How To Save Money: 10 Simple Money-Saving Tips

Saving money starts with establishing your financial goals and determining your income and expenses. Follow these 10 helpful tips to learn how to save money.

What Is A Payday Loan, And How Does It Work?

Payday loans might seem like a good option for securing fast cash, but they come with serious risks. Learn more about payday loans before you take the plunge.

Short-Term Loans: A Complete Finance Guide

Short-term loans offer a quick source of cash that can be used in an emergency, but they’re not for everyone. Learn more about using short-term loans here.

What Is Excise Tax, And Who Pays It?

An excise tax is a tax applied to specific goods and services. Learn more about what an excise tax is and what items are affected by it, as well as who pays it.

Pros And Cons Of Adjusting Your Tax Withholding

Looking to calculate the amount of tax you should have withheld by your employer? Read our guide on how to to adjust your tax withholdings and the pros and cons of each adjustment.

Insurance Premiums: What They Are And How They Work

Insurance premiums are the monthly or annual payment you make on an insurance policy. Learn about different types of premiums, and how to reduce their cost.