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Dollar Scholar Asks: When Is It OK Not to Tip?
This is an excerpt from Dollar Scholar, the Money newsletter where news editor Julia Glum teaches you the modern money lessons you NEED to know. Don't miss the next issue! Sign up at money.com/subscribe and join our community of 160,000+ Scholars. In 10th grade, I had this super-harsh history teacher...
92% of Americans Would Consider Delaying Dental Care Because of the Cost
An overwhelming majority of Americans say they'd consider putting off dental care for financial reasons as costs for dental services continue to rise. The August consumer price index report showed the cost of dental services is up 5.3% in the past year. With treatment becoming more expensive, 92% of Americans reported that they might hold off on care due to cost, according to a new study by financial services company Synchrony.
Dollar Scholar Asks: What's the Best Way to Transfer Money Between Accounts?
This is an excerpt from Dollar Scholar, the Money newsletter where news editor Julia Glum teaches you the modern money lessons you NEED to know. Don't miss the next issue! Sign up at money.com/subscribe and join our community of 160,000+ Scholars. Now that fall is in full swing, I'm reflecting...
The Government Is Coming After Social Security Overpayments
The federal agency that administers Social Security benefits is making new efforts to reclaim overpayments, and it may try to claw back money if you’ve been receiving too much. In a statement Wednesday, the Social Security Administration (SSA) said it is assembling a team to review policies and procedures...
10 Reasons Why Life Insurance Won’t Pay Out
Life insurance can provide peace of mind by offering financial support for your loved ones after your death. Whether you establish a life insurance trust, a life insurance retirement plan or have a run-of-the-mill universal policy, the idea is to ensure the financial stability of those you leave behind. However, there are numerous scenarios wherein insurance companies can void policies or refuse to pay out claims.
7 Things To Know Before You Sell Your Life Insurance Policy
When you buy life insurance, you're creating a safeguard for your family's financial future for years to come, and possibly even until you die. But sometimes your financial priorities change or you run into a cash crunch. You may need to consider liquidating your life insurance policy and using its proceeds for current needs.
14 Cities Where Home Sellers Are Slashing Prices
The real estate market remains largely unfavorable for both homebuyers and sellers, but there's some evidence that change could be coming. New data shows that in some large U.S. metro areas, home price cuts are ramping up. Listing site Realtor.com's September housing report indicates the share of reduced-price homes for...
Millennials vs. Boomers: Who’s Doing a Better Job Saving for Retirement?
By one measure, millennials and Gen Xers are in better financial shape than boomers when it comes to saving for retirement. Both older millennials (ages 37 to 41) and Gen Xers (ages 49 to 53) are better equipped to meet their retirement-spending needs than young boomers (ages 61 to 65), according to a retirement outlook report by the financial firm Vanguard.
The Average Car Payment Just Hit a New Record High
Car payments now average well over $700 per month for new vehicles — a new record high — and experts say Americans could be looking at even steeper costs in the future. The Federal Reserve refrained from raising interest rates in September, but car shoppers are continuing to deal with the consequences of the 11 rate hikes enacted since March 2022. Aimed at slowing inflation, the central bank's rate increases have also caused auto loan interest rates to skyrocket, impairing vehicle affordability.
How to Create a Life Insurance Retirement Plan
Americans are increasingly wary of their ability to sufficiently save for retirement. But no matter what your age is, it's never too early or too late to start preparing. Among the numerous options available to you, a life insurance retirement plan (LIRP) is another that’s worth your consideration. This...
This CD Offers an Eye-Popping 6% APY — and Almost Anyone Qualifies
Finally, a certificate of deposit (CD) with a sky-high yield that almost anyone can qualify for. Credit Human, a Texas-headquartered credit union, is now offering a one-year CD with a 6% annual percentage yield (APY), one of the best CD rates available right now. By comparison, the national average APY...
What Actually Happens if You Don't Buy Car Insurance?
Car insurance prices are spiking in 2023, and drivers may be wondering what would happen if they simply skipped coverage to try to to save money. The number of Americans driving without car insurance is on the rise, especially in South Dakota, New Hampshire and West Virginia, where uninsured driver rates increased by 50% or more from the second half of last year to the first half of this year, according to J.D. Power.
Upstart Auto Refinance Review
If you’re looking to refinance your auto loan to save money or change your loan terms, Upstart is one option to consider. The company is a loan marketplace offering personal loans, debt consolidation, wedding loans, car loan refinancing and more. It works with a network of auto refinance loan lenders to provide consumers with options they can compare with a completely online process.
Why Gas Prices Are Falling — but Some Drivers Are Stuck Paying Over $6 a Gallon
Gas prices have trended mostly upward throughout 2023, but the good news is that average costs at the pump just dropped for two weeks in a row. Unfortunately, not everyone is seeing relief at the pump: Drivers in California are stuck paying over $6 per gallon. New data from automobile...
What Is Group Life Insurance?
Finding quality life insurance to best protect your beneficiaries is a serious task. You need to decide what the best policy is for your needs and your budget, but also what type of coverage, which insurer and which benefits best align with your goals. Even if your employer or an organization you're affiliated with offers group life insurance, you may need to explore additional coverage.
Student Loan Payments Are Back. Here's What Borrowers Need to Know
Student loan bills are hitting mailboxes all over the country — the first bills most federal student loan borrowers have received in more than three-and-a-half years. Tens of millions of borrowers are now required to pay down their federal student debt for the first time since the onset of the pandemic, as the student loan moratorium has officially come to an end.
Home Sellers Are Cutting Prices as Buyer Competition Drops ‘Remarkably Fast’
The best time to buy a house this year could be upon us, and sellers are dropping their list prices. With the average 30-year fixed mortgage rate hitting a two-decade high as of Sept. 27, data suggests buyers are balking and sellers have little choice but to cut asking prices. Competition is cooling off “remarkably fast,” even for this slower time of year, according to a fall outlook report from listing site Zillow.
Is Life Insurance a Scam?
If you’re in the process of trying to manage your finances and set up a nest egg for your family, you’ve probably considered life insurance. But with conflicting opinions about the validity of some life insurance policies, you may be wondering if life insurance is a scam that you should just avoid purchasing.
The October Stock Market Stands out for High Volatility — and Above-Average Returns
It's apt that October — a month associated with Halloween and all things horror — is one of the scariest months for the stock market. As we get into the depths of autumn and the weather gets gloomier, so too does sentiment on Wall Street. Experienced investors may...
Capital One Auto Refinance Review
Refinancing your car loan may help you lower your monthly car payments or change your loan term. Many credit unions and lenders offer auto refinance loans, but Capital One auto refinance is one option with relatively low income requirements and a streamlined online application process. In this review, we include...
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