Hacht Guides publishes practical guides to help U.S. readers understand insurance, health coverage, borrowing, legal rights, education, personal finance, taxes and retirement. This policy explains how we create and maintain that content.
Independence
Our editorial content is independent. Advertisers and partners do not review or approve articles, and advertising does not influence our topics or conclusions.
Sourcing
We rely on primary and authoritative sources: federal and state agencies (such as the IRS, Treasury, CFPB, FTC, CMS, HUD and Department of Education), statutes and regulations, court and government publications, and official program or product documentation. We do not invent statistics. When figures change annually (such as tax thresholds or loan limits), we point readers to the official source.
Accuracy and Balance
We explain trade-offs, note where rules vary by state, and use cautious language when the answer depends on individual circumstances.
Updates and Corrections
We review content when laws or rules change. If you find an error, please tell us through our Contact page. We correct verified errors promptly.
Not Advice
Our content is educational and not a substitute for professional advice. See our Disclaimer.