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Life Insurance vs Annuities Explained
Life insurance policies and annuities are both tools that help ensure future financial security. While they have some similar characteristics, there are also some important differences. Understanding how they differ can help you to make informed decisions when creating your financial and retirement planning strategies. Read on to learn about...
Pet Insurance Costs Are Soaring - Here's Why
Pet insurance costs are rising in the U.S., and some insurers have been approved for rate increases of 20% or more in the past year. The average monthly cost of insurance is now $47 per pet, according to a new survey from Consumer Reports. Lemonade Insurance received approval for a...
Auto Loan Delinquencies Reach a Record High — Here’s What to Do if You Can’t Make a Car Payment
Auto loan delinquencies just hit an all-time high, surpassing a previous record that stood for at least 27 years. As average auto loan costs soar, more Americans are missing their monthly payments — a move that can tank your credit score. But there are steps you can take to avoid the negative impact of falling behind on a car loan.
How To Find Cheap Travel Insurance for Your Next Trip
Travel insurance can cover your medical bills if you experience an injury or illness during your holiday. Depending on the policy you select, the best travel insurance policies can also cover trip interruption, lost baggage, rental car damage and emergency evacuations. If you've invested a good deal of money on...
How Long-Term Care Insurance Can Protect Your Inheritance
Long-term care bills can significantly deplete a planned inheritance, especially when someone needs nursing home, assisted living facility, or in-home care for multiple years and doesn't have a plan to pay for it. Long-term care insurance isn’t a small investment, nor is it the only way to prepare for these...
Is Life Insurance Taxable?
If you’re considering a life insurance policy, chances are you have a lot of questions. That’s not uncommon, and it’s why we’ve created a guide detailing life insurance for beginners. But one major question people have is whether or not life insurance is taxable. In this in-depth guide, we provide the answers and some tips for minimizing or avoiding life insurance taxes.
AmeriSave Mortgage Refinance Review
AmeriSave Mortgage Corporation is an online mortgage lender that has funded home loans for more than 700,000 borrowers since its inception in 2002. Aside from home purchase loan options, AmeriSave also provides rate-and-term and cash-out home loan refinancing for those looking to lower their interest rate or access some of their home equity to fund a major purchase or obligation.
Italy Travel Guide
A country of timeless beauty and diverse regions, Italy invites travelers with its rich history, art and culture. From historical landmarks to cultural traditions, Italy offers an array of memorable experiences. This guide offers insights into Italian culture, cuisine, travel requirements, transportation weather conditions and more. Whether you're planning a...
Having a Good Credit Score Is Especially Important Right Now — Here's Why
Having a good credit score is arguably more important right now than at any point during the past few years. That's because recent data shows it’s been getting a lot harder for everyday Americans to take out a loan or get approved for a credit card as banks and other financial firms have quickly tightened their lending standards. Tighter lending standards could include outright rejecting applicants, raising minimum credit score requirements, charging more interest and lowering credit limits.
Auto Loan Rejection Rates Are at a Record High — Here’s How to Improve Your Odds of Approval
It’s a challenging time to get an auto loan if you have poor credit — but don’t lose hope of buying a car just because you got a loan rejection. The rejection rate for auto loans is at 14.2%, which is the highest level since the Federal Reserve Bank of New York began keeping track in 2013. Rejections are up from a rate of 9.1% in February, the last time the Fed collected survey data.
How Airbnb ‘Bans’ Could Affect Your Local Housing Market
If you’ve gone on vacation at any point in the last decade or so, you’ve probably rented — or at least considered renting — an Airbnb. The short-term rental company has become synonymous with the “sharing economy,” and the increasing omnipresence of peer-to-peer services that, in recent years, has grown to include everything from electric scooters to backyard pools.
Bank of America Mortgage Refinance Review
In an effort to combat inflation over the past two years, the Federal Reserve has been raising benchmark interest rates at breakneck speeds. This has adversely affected interest rate-sensitive industries like mortgage lending. However, in a historical context, interest rates for mortgages are still comparatively low. In 1990, the 30-year mortgage rate was 10.13%, and in 1981, it reached as high as 16.64%. So despite mortgage refinancing slowing in the past year, it’s still an option for many Americans.
How to Open a Roth IRA
A Roth IRA could be just what you need to reach your retirement goals. But how do you figure out if you need one? And what are the best steps to follow to start a Roth IRA?. This guide will answer those questions by providing step-by-step instructions on how to open a Roth IRA as well as information about the benefits of this account. Keep reading to learn more.
10 High-Yield Savings Accounts Offering 5% APY (or Higher) Right Now
The Federal Reserve has repeatedly hiked interest rates in its war against inflation, causing the cost of borrowing for everything from auto loans to mortgages to spike. One welcome side-effect for everyday Americans: Socking away cash is becoming a lot more attractive. When benchmark interest rates rise, banks and other...
Marcus by Goldman Sachs High-Yield Savings Accounts Review
The days of leaving your money in low-yielding, brick-and-mortar banks are a thing of the past. In order to get the best rates available for your savings, consider using an online bank like Marcus by Goldman Sachs. While Marcus has only existed since 2016, Goldman Sachs has built a positive reputation over more than 150 years, and its online banking through Marcus currently offers savings and certificate of deposit (CD) accounts that feature above-average rates without monthly fees.
Veterans United Home Loans Mortgage Refinance Review
VA loans offer veterans and active-duty service members competitive interest rates with no down payment or private mortgage insurance (PMI) requirements. But did you know you can also access some of these benefits when refinancing your home? There are many options available and it’s important to choose one of the best mortgage refinance companies that offer VA home loans.
Capital One 360 Performance Savings High-Yield Savings Accounts Review
Whether you're just beginning to build savings or already have a healthy account balance, a no-fee high-yield savings account can help you reach your savings goals faster. Capital One’s 360 Performance Savings account may fit the bill. This Capital One 360 high-yield savings account review can help you determine if it’s the right option for stashing your savings.
What Is VA Cash-out Refinance?
Like a home equity loan or a home equity line of credit (HELOC), a VA cash-out refinance offers eligible borrowers the opportunity to access the equity they’ve accumulated in their property. This type of loan allows qualified veterans to utilize the proceeds from their refinanced mortgage for any purpose they desire, from home renovations to paying off other debts.
How Do You Know If You Passed a Background Check?
You’ve applied for the job, signed the authorization for the background check and are now waiting for the results for what seems like way too long. If more than a week has passed, it’s easy to start getting worried. However, there are plenty of reasons why searches can be delayed and a lengthy wait isn’t necessarily bad news.
Dollar Scholar Asks: When Is Getting a New Credit Card Worthwhile?
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. There's nothing like traveling in Europe. I love the...
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