Becoming a legal adult at the age of 18 comes with many new liberties, such as the ability to purchase tobacco or play the lottery. Of these many new privileges, perhaps the most overlooked yet beneficial privilege is the ability to sign up for credit cards.While most new adults avoid credit cards on the basis that they are evil or dangerous, a credit card, combined with a little discipline and responsibility, can be a convenient tool for establishing a good credit rating and saving money.
As tax day approaches, millions of Americans scramble to make sense of yet another income tax return. In the process, many discover the ridiculous complexity and unfairness of America's income tax system. Some 66,000 pages of tax rules govern the system, rules that even professionals do not always understand. As a result, most tax returns are inaccurate, meaning people are paying too much or too little tax.