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Browse every guide and explainer in the PERQS Learning Center.

2,898 articles

The Impact of Credit Limit Reductions on Your Credit Score

Credit card issuers can reduce your credit limit at any time, regardless of how responsibly you manage your account. Reasons for these reduc...

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The Impact of Revolving and Installment Credit on Your Score

Credit accounts, such as revolving credit and installment credit, play a vital role in shaping your credit score. Understanding how these ty...

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The Independent Contractor’s Guide to General Liability and E&O

Independent contractor insurance helps 1099 workers protect their businesses from lawsuits, accidents, and other costly surprises. Most cont...

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The Most Common QuickBooks User Questions and Solutions

QuickBooks users often encounter recurring questions while managing their small-business finances. From adding credit card accounts to under...

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The Practical Guide to QSBS: Rules, Timelines, and Tax Breaks That Matter

Qualified small business stock (QSBS) — also called Section 1202 stock — can let investors exclude a large portion of their gains from feder...

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The Practical Saver’s Playbook: Tactics That Work

Saving money is achievable even when life feels expensive. Start by building a simple budget, setting clear goals, and automating small, ste...

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The Pros and Cons of Buying a Home With Cash

Paying for a home with cash might sound like the ultimate power move—but is it always the smartest financial decision? While around one in f...

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The Pros and Cons of Dividend Reinvestment

Dividend reinvestment plans (DRIPs) allow investors to automatically reinvest the dividends they receive from their stocks to buy more share...

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The Pros and Cons of Joint Bank Accounts

Joint bank accounts are a convenient financial tool that allows multiple individuals to manage shared funds efficiently. Whether used by cou...

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