Key takeaways Sticking to your budget is the key to purchasing a vehicle that you can truly afford. If you lack credit history, adding a co-signer with long-standing and strong credit can help you secure better rates. Some car loans may allow you to show good grades for perks like…
Key takeaways Paying off wedding debt early on in a marriage is crucial for reducing stress and building a strong foundation for the relationship. Monetary wedding gifts, the debt snowball or avalanche methods, balance transfer credit cards and debt consolidation loans can be tools to pay off wedding debt. Open…
Key takeaways The CFPB allows consumers to file complaints about unfair, deceptive or abusive financial practices across products like bank accounts, credit cards, mortgages, debt collection and student loans. While you don’t have to contact the offending company first, doing so may resolve the issue more quickly and save you…
Key takeaways If you’re looking for a premium travel credit card, the Chase Sapphire Reserve®, The Platinum Card® from American Express and Capital One Venture X Rewards Credit Card should be at the top of your list. These cards have numerous benefits in common, including annual statement credit offers, airport…
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The big new fees JPMorgan Chase is planning to charge some financial technology companies may well trickle down to consumers,…
With artificial intelligence beginning to eat away at many white-collar entry-level jobs, and the unemployment rate for recent college graduates…
If a society is going to make intelligent choices in policy, it helps to understand reality, which includes facts and…
New York startup Casap has raised $25 million in new funding to help banks tackle the thorny problem of credit…
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Key takeaways In a Chapter 7 bankruptcy, creditors can seize certain assets to repay the debts you owe. However, exceptions allow debtors to retain some of their assets (or at least part of the asset’s value). Chapter 13 bankruptcy is more about restructuring debts than…
Dept Managmnt
Key takeaways A divorce decree outlines which spouse is legally responsible for each debt after the divorce is completed. States either have community…
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When it comes to selling coconut water to the health obsessed, New York’s Vita Coco has served up a master class, schooling even…
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Key takeaways Exchange-traded funds, or ETFs, are funds that hold many different assets and trade on an exchange like a stock. ETFs allow investors to hold a diversified portfolio for the cost of a single share. They often come with low costs and tax advantages that make them popular with…
Key takeaways A flexible spending account (FSA) is an employer-sponsored, tax-advantaged account used to pay for eligible healthcare or dependent care expenses. FSA contributions are made with pre-tax dollars, potentially saving you 30 percent on qualified expenses. You can contribute up to $3,300 to a healthcare FSA and $5,000 to…
In 2024 American consumer Credit Counseling clients paid off around $191,257,429.83 in debt! Debt Management Plans help people regain control of their financial lives by consolidating their debts into a single, manageable monthly payment. Here’s what you can expect when you enroll in a Debt Management Plan (DMP) with American…
Key takeaways If your cosigner dies, continue making loan payments as usual to avoid default and protect your credit. You’re not required to notify your lender about a cosigner’s death unless you want to update contact information or remove them from the loan. If the primary borrower dies, the cosigner…
Key takeaways Trusts can be a great tool to simplify the process of moving assets between generations, helping avoid some of the costs and delays associated with the process. Revocable trusts are a useful solution for individuals with relatively few assets and are relatively easy to set up and administer.…
Credit Sesame breaks down consumer payment trends using 2024 data and explains the pros and cons of today’s most common payment methods so you can make more informed spending choices. Technology and financial innovation are changing the way Americans handle money. Some of these changes provide consumers with more choices…
Key takeaways A high-yield savings account pays significantly more interest than traditional savings accounts — currently up to 10 times the national average. These accounts are typically offered by online banks and credit unions, which have lower overhead costs than traditional banks. Most high-yield savings accounts have no monthly fees…
If you’ve ever had a gut-punch moment checking your 401(k) after a rough trading week, you’re not alone. During turbulent times, the idea of “safe haven” assets is appealing. These investments, by design, generally hold their value — or even gain ground — when broader markets decline. Of course, no…
Do you have a backup plan?This is one of the key questions when it comes to managing your portfolio in retirement. Your income will be determined in large part by how much growth your portfolio generates, but investing for more growth means accepting more risk. Investing for security, on the…
Your current tax bracket is an important consideration when evaluating whether to convert a tax-deferred retirement account to a Roth account. However, it’s just one of several elements to keep in mind. For example, your tax bracket in retirement is just as important as the one you’re in now. If…
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