Welcome to SmartMoneyToolbox.com!
The purpose of this site is to help you improve your financial situation. Whether you are trying to get out of debt, get on a path to financial security, plan for retirement, or just wanting to learn more about tools that you can use to improve your financial life, this is the site for you!
I have become proficient on many financial topics through personal experience, plenty of reading, and my 30+ year CPA career. I have a passion for this stuff, and I want to pass it on. I believe in lifelong learning and continuous improvement.
My goal is to provide actionable tips that you can use to improve your financial life. I provide the tools, but it is up to you to vet out the options and then take action. Comment on the articles, contact me, and let me know how this site has added value for you. I also welcome your feedback on how this site can be improved to help you even more.
I have provided links to resources that contain more information on a topic or a product or service that may help you out. I’ll do my best to make sure that the items I ask you to consider here are quality resources.
Let’s press on together and take charge of our finances!
Regards,
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Latest Posts
How Likely is Home Title Theft?
If you are a homeowner or landowner, you are probably alarmed if you have read or heard about criminals stealing homes and land via title theft. Let's discuss the odds and what can be done about it. Ironically, as discussed later, the duped buyer and mortgage lender...
2025 IRS standard mileage rate is 70 cents per mile
The new standard mileage rate in 2025 per the Internal Revenue Service is 70 cents per mile, an increase of 4.5% over the previous year. This is the standard rate employees can submit to their employer for non-taxable business mile reimbursements for travel in 2025. ...
9 low cost physical Gold ETFs for portfolio parity
Retail investors can avoid the hassle and expense of holding physical gold bullion or gold bars by owning it indirectly via physical gold exchange-traded funds. For many, this can be an efficient and cost-effective way to hold gold in a portfolio. Holding the...
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Using ProtectYourMove.gov to avoid moving scams
The Better Business Bureau receives over 10,000 complaints and poor reviews annually for moving companies. Some of these are scam and fraud claims. In order to avoid being a victim, you need to go through a process that will allow you to sidestep the dishonest movers...
How is Truflation different from the CPI index?
Truflation is a private independent data service calculating inflation whereas the Consumer Price index (CPI) is calculated by the Bureau of Labor Statistics (BLS), a United States government agency. You can visit their respective websites...
Home equity line or 401K Loan: which is better?
Both have Pros and Cons. Let's review and discuss options. Heloc A Heloc stands for Home Equity Line of Credit. Once approved for a Heloc loan, you can draw and paydown as you please. Typically this will be an adjustable interest rate loan that will reset monthly. In...