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What Actually Happens if You Don't Pay Your Student Loan Bills?
Starting next month, about 40 million Americans will have to start making payments on their federal student loans after a pause of 3.5 years. As the due date looms, many borrowers are feeling frustrated and betrayed — especially after President Joe Biden’s student loan forgiveness plan was struck down by the U.S. Supreme Court this summer. On social media sites like Reddit and X, the platform formerly known as Twitter, several people have been floating the idea of simply not paying their bills, and in some cases, rallying others to do the same in order to spark a national student debt strike.
Even Millionaires Are Afraid They'll Outlive Their Retirement Savings
Wealthy Americans' attitudes toward their personal finances are often different from those of working-class people. But when it comes to retirement, it turns out these demographics are thinking similarly: Everyone's concerned about stashing away enough money for their post-work lives. Recent data from financial services company Northwestern Mutual shows that...
How to Invest in Platinum: Tips & Strategies
Platinum is among the rarest and most expensive precious metals, with an array of applications in fields ranging from automotive, dentistry, jewelry, and electronics. Because of its high value and scarcity, as well as acting as a hedge against inflation, some investors are drawn to the role it can play in portfolio diversification.
Is the New COVID Vaccine Free? What to Know if You Do (or Don't) Have Insurance
Millions of Americans will likely soon become eligible for another round of coronavirus vaccines with an updated formula intended to protect against recent variants of the disease. But it could be slightly more difficult to get the latest COVID-19 booster for free this time around. Officials from the U.S. Food...
Health Insurance Premiums Are Set to Surge in 2024
Health insurance through your workplace could be much more expensive next year. Costs for employer-sponsored health plans in 2024 are expected to jump over 6%, according to new data from consulting firms Mercer and Willis Towers Watson (abbreviated WTW). As the Wall Street Journal first reported, that would amount to the largest price increase for employer health plans in about a decade.
These Debit Cards Claim to Help You Build Credit — Are They Worth It?
It probably seems counterintuitive to reach for a debit card at the register if you want to build credit with everyday purchases. Debit card activity isn't usually reported to the major credit bureaus, and traditional personal finance wisdom dictates that you typically build credit by taking out loans, opening credit cards and making payments on time.
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...
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...
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...
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