Key takeaways After you earn and redeem your credit card welcome bonus, you might be worried that you’ll never see that many points in your account again. A welcome bonus isn’t the only way to earn big when it comes to points or cash back rewards. You can earn extra…
Managing investments for your retirement account can be difficult and daunting. An IRA is great in theory, but without a lot of knowledge about what to invest in, you can be left floating on your own. And that’s where robo-advisors come in — helping you invest your retirement funds smartly…
Key takeaways After you apply for a mortgage, lenders use a process called underwriting to determine whether to approve or deny your loan. The underwriting process typically takes between 40 and 50 days to complete. In deciding whether to approve your loan, underwriters consider your credit history and score, your…
Elon Musk has risen to fame by founding some of the most innovative tech companies in the world today, including electric vehicle maker Tesla and space exploration company SpaceX. Today, Musk ranks as the richest person in the world, according to Bloomberg, largely thanks to his roughly 13 percent stake…
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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 Only 46% of U.S. adults have enough emergency savings to cover three months of expenses, making saving money more crucial than ever. Automatic transfers to high-yield savings accounts earning over 4 percent APY can help build emergency funds without extra effort. Cash-back apps…
Dept Managmnt
Key takeaways An automatic stay prevents creditors from taking action to collect on certain debts when you file for bankruptcy. Automatic stays can…
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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 The IBR forgiveness pause leaves some borrowers at risk of a tax bill if it extends into 2026. Borrowers who filled out their IDR application before March 2025 may need to reapply. The public has until September 17 to comment on proposed PSLF changes. Borrowers seeking student loan…
This page was originally published in early 2023 and reflects the author’s financial decisions during that time. The card details have since been updated. Booking travel through a credit card issuer’s portal has its pros and cons, as I found out when I booked a trip for my family using…
Key takeaways Unsavory financial advisors may cheat their clients through deceptive practices such as Ponzi schemes, churning techniques, and pump-and-dump scams. Advisors who pressure you to make quick investment decisions or promise guaranteed returns could be bad actors that you should avoid. Checking an advisor’s qualifications can help protect you…
There are over 36 million small businesses in the United States, accounting for 46 percent of private sector jobs, according to the most recent data from the SBA’s Office of Advocacy. Between March of 2023 and March of 2024, individuals have opened 1.1 million new firms, contributing 1.2 million new…
Exchange-traded funds (ETFs) are one of the most popular ways to invest in the stock and bond markets — and for plenty of good reasons. These funds let investors buy a diversified collection of securities, with the potential to earn strong returns while enjoying low management fees. So it’s little…
Consumer debt is a growing concern affecting millions of individuals across the globe. Did you know the average consumer debt for Americans is around $105,000? (Source: Experian)It can stem from a variety of factors, ranging from unexpected emergencies like medical bills to lifestyle choices. Understanding the causes of consumer debt…
Key takeaways Depending on age, the average 401(k) account balance ranges between roughly $7,000 and $300,000, but median balances are much lower. Retirement investors should have at least one year’s worth of their salary saved by age 30, three times’ worth by 40 and ten times’ worth by 67, according…
Key takeaways In 2025, employees can elect to defer $23,500 of their salary to fund their 401(k). When including employer matches and after-tax contributions, you may be able to set aside up to $70,000 in total. Workers aged 50 and older can make catch-up contributions on top of the normal…
Key takeaways Giving money as a gift, whether it’s cash, gift cards or a money order can be convenient. You can personalize monetary gifts to suit a recipient’s preferences or needs. Understand the tax implications of monetary gifts. Gifts such as stocks, contributions to 529 plans or cash above the…
Value investing has proven to be one of the most successful investing strategies over the long term. Many of the world’s top investors, including the legendary Warren Buffett, have used the value approach to generate outstanding returns over time. In recent years, however, value stocks have drastically trailed growth stocks…
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