ferrantraite/Getty Images If you’ve recently filed a home insurance claim and you’re unhappy with the suggested payout, you may have some recourse. Hiring a public insurance adjuster provides you with a second opinion regarding the damage to your home. Public insurance adjusters may be a useful resource if you think…
Andrii Zastrozhnov/Getty Images Key takeaways A credit reporting agency is a company that compiles information about your borrowing history into a credit report. Also called credit bureaus, credit reporting agencies primarily sell reports to lenders to assess your creditworthiness for loan approval. Experian, Equifax and TransUnion are the three main…
STUDY SUMMARY Ramsey Solutions conducted a study of more than 1,000 benefits decision-makers in companies of all sizes across the United States. 48% say that financial stress has a significant impact on their employees. Financial wellness is the number one benefit employers are looking to add in the next one…
Key takeaways Buy now, pay later (BNPL) can provide a zero-interest alternative to personal loans. Like personal loans, BNPL won’t hurt your credit utilization ratio. The shortest-term BNPL are typically interest-free compared to rates of up to 36% for personal loans. Your BNPL limit typically grows with on-time repayments. If…
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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 Recent changes in immigration enforcement efforts are impacting small-business customer bases and workforce. Your business may be at risk even if you are compliant, or if you’re not directly affected by workforce reduction. Making sure you stay informed, being transparent with your customer…
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Is this method of consolidating debts a good idea? If you are considering using a credit card as a debt consolidation option here…
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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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Alcohol-impaired driving carries steep costs that extend far beyond the initial fine. A single DUI conviction in Pennsylvania drives up the average cost of car insurance by 103 percent — and DUI surcharges could remain on your record for years. To help drivers understand what happens if you get a…
“Location, location, location” has long been the golden rule of real estate. But in today’s challenging housing market, a new mantra is developing: “Insurance, insurance, insurance.” As homeowners insurance premiums rise across the country, buyers are facing a double hit — soaring home prices and costly insurance, which is required…
traveler1116/Getty Images Key takeaways Many market watchers expect the Federal Reserve to lower its benchmark rate when policymakers meet in mid-September. Such a move could spur lower rates on high-yield savings accounts. For now, competitive savings accounts continue to earn rates above 4 percent APY, after the top APY peaked…
Usually you should plan to keep your tax returns for a minimum of three years from the date you filed your original return. But there are situations where you should keep your tax returns even longer. How long you should keep these documents varies based on a few factors. Keep…
Key takeaways You may be eligible for a bad credit personal loan with a score below 580. Personal loan lenders specializing in bad credit loans will likely scrutinize your income and employment history more closely. A bad credit loan can be useful tool to put you on a path to…
Each year, millions of taxpayers file an extension so they can get extra time to file. Now the Oct. 15 deadline is fast approaching. Tax extensions are filed for a variety of reasons, and a common one is delayed paperwork. “We use them often when a taxpayer does not have…
Key takeaways Personal loans can be an excellent tool to consolidate debt and simplify your bill-paying schedule to avoid credit-damaging missed payments. The installment nature of personal loans can be aligned with other financially freeing goals since the payments don’t change. Because most personal loans are unsecured, you avoid borrowing…
Planning for retirement can feel overwhelming, but fortunately, there are several savings tools available to help take the sting out of the process. By utilizing these tools, you can create a financial strategy that helps you save for retirement. Two common options are deferred compensation plans and 401(k)s. While both…
Key takeaways The saver’s tax credit allows lower-income earners to claim a credit on their tax return. To be eligible, you must also be at least 18 years of age, not be a full-time student or be claimed as a dependent on someone else’s tax return. Different income limits apply…
seksan Mongkhonkhamsao / Getty Images Key takeaways Businesses don’t have to resort to layoffs and shrinking inventories to reduce costs. Making a few tweaks to your current spending and optimizing your assets can boost profit margins. You can also tap into your local community for talented workers and resources. Apply…
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