|
CTFA Sample Exam Questions
The following questions are representative of the types of questions you will find on the examination.
1. A trust you administer, in a jurisdiction that has adopted Directed Trust statutes, contains language in the trust document appointing a fiduciary for investment purposes. Your institution is a directed trustee responsible as a fiduciary for administration only. You believe that the investment fiduciary is abusing this power and is directing you to make an imprudent investment. You should:
a. Tell the advisor he must first obtain the consents of the current beneficiary and presumptive remaindermen.b. Confront the advisor and, if the situation cannot be remedied, seek court guidance.c. Follow the advisor's directions nonetheless.d. Obtain the written consent of all fiduciaries.
2. Your client is married and has a net worth of $12 million, which includes a jointly owned house worth $2.5 million. His wife has assets of $1 million. They have simple wills leaving everything to each other and then to their two children in equal shares. The BEST advice to reduce federal estate taxes is that he:
a. Leave everything to his wife in his will.b. Give $14,000 per year to each of his two children.c. Incorporate a credit shelter trust provision in his will.d. Transfer the house ownership completely to his wife.
3. Distributions from which of the following CANNOT be rolled over into an IRA?
a. 401(k)b. Money Purchase Pension Planc. Profit Sharing Pland. Rabbi Trust
4. John creates a trust with income during life to Sam, the remainder to Sue. John retains the right to amend or revoke the agreement. Sue will have to disclaim her interest in the trust within 9 months of:
a. John's deathb. Sam's deathc. The creation of the trustd. The appointment of the executor or administrator of Sam's estate
5. A client faces a 30% federal income tax rate and a 5% state tax rate. Municipal bonds issued in the client’s state of residence are exempt from state taxes. Considering current income only, and not adjusting for the federal deductibility of state taxes, which of the following represents a proper comparison of bond attractiveness?
a. A 10% Treasury bond is more attractive than a 7.2% municipal bond issued by a state of which the client is not a resident.b. A 6.0% bond issued by the client's state of residence is more attractive than a 7.2% municipal bond issued by another state.c. An 18% corporate bond is more attractive than a 12% municipal bond issued by the client's state of residence.d. A 6.75% municipal bond issued by the client's state of residence is more attractive than a 7% municipal bond issued by a U.S. territory.
1. b2. c3. d4. a5. a
Ask These 4 Questions Before Getting a New Small Business Bank AccountNo result found, try new keyword!Moving to a new bank could work to your benefit and make it easier to run your business. But before you open a new small business account, make sure to run through these key questions. Some banks ...
Banking Crisis 2023: Your Questions Answered
Update as of Aug. 22: This week S&P Global Ratings, one of the top credit rating agencies, cut the ratings of five regional U.S. banks: Associated Banc Corp, Comerica Inc, KeyCorp, UMB Financial Corp. and Valley National Bancorp.
Update as of Aug. 9: Moody’s, one of the top credit rating agencies, cut the ratings of 10 regional banks this week and warned some of the biggest lenders in the U.S. that they could be next.
Multiple lenders are now on notice for a potential downgrade including Bank of New York Mellon; Cullen/Frost Bankers; Northern Trust; State Street; Truist Financial; and U.S. Bancorp.
The credit agency also assigned a negative outlook to 11 additional banks including Capital One, Citizens Financial and PNC Financial Services Group.
Update as of July 26: PacWest Bancorp, a midsize regional lender based in Los Angeles, is set to merge with Banc of California, Inc., the two banks announced on July 25. On May 3, PacWest said in a statement that it was planning to sell its portfolio and was evaluating potential partners and investors. The combined bank will be headquartered in Los Angeles under the Banc of California name and will now have a total of 70 branches. The new company is expected to have $36.1 billion in assets, $25.3 billion in total loans and $30.5 billion in total deposits.
The story below was originally published March 31 and has since been updated multiple times.
In the spring, banking failures in the U.S. and Europe have prompted government interventions in an effort to contain the crisis. The collapses have brought discussion about regulating the banking sector back into the spotlight in a way they haven’t seen since the Great Recession. The phrase “too big to fail” has made its way into the zeitgeist once again.
On March 21, U.S. Treasury Secretary Janet Yellen said in a statement to the American Bankers Association, “The situation is stabilizing. And the U.S. banking system remains sound.”
Some economic wonks and lawmakers are now arguing for reform including an increase to the $250,000 Federal Deposit Insurance Corp. insurance cap. And midsize banks are asking the FDIC to insure all deposits for at least two years, according to reports. But House Republicans are calling for an end to banking bailouts and said they oppose “any universal guarantee on bank deposits over the current limit.”
However, on March 22, Yellen told senators, “I have not considered or discussed anything having to do with blanket insurance or guarantees of deposits.”
Meanwhile, the Federal Reserve has been on a mission to tame inflation. The Fed raised raised the federal funds rate 10 times in a row; after pausing its hikes in June, the Fed raised rates in July to 5.25%-5.5%.
To get you up to speed on the 2023 banking crisis, here are answers to popular questions about recent events.
How do CDs work?
What is personal finance?
What is a Treasury bill?
Key takeaways
What is cryptocurrency?
ZenBusiness: Fast & Simple LLC Formation
ZenBusiness: Start Your Dream Business
How to earn a Chase checking account bonus
What is a budget planner?
What is a rollover IRA?
What is wealth management?
Bluevine Business Checking
What is an estate tax?
Quickbooks Online
» This offer has expired
What is an FHA loan?
What is a REIT?
Online sales and auctions
What is a Form W-4?
See how to get your business started quickly
What is a custodial Roth IRA?
What is the average stock market return?
What are closing costs?
What is a SEP IRA?
What are stocks?
Life insurance buying guide
What is a W-2 form?
Find the right Medicare Advantage plan
Medicare Advantage companies
The parts of Medicare
What is bill pay?
Current promotional CD rates
What is a charitable donation?
Shopify Ecommerce
What is a home equity line of credit?
What is a mortgage refinance?
E*TRADE is best for:
Fidelity is best for:
Mortgage rates today: Tuesday, August 23, 2023
What is a commercial loan?
What Medicare covers
Key takeaways:
Looking for more money?
What is Upwork?
What is the mortgage interest deduction?
November mortgage rates forecast
What is a Roth IRA?
High-dividend ETFs may generate income
Checking account vs. savings account
What is the VA funding fee?
Medicare Part D companies
Definitions: Money Transfer Rates
Blockchain: A definition
What is a cashier's check?
Preapproved? Unlikely
3 times credit card perks make it better
Should I settle for pre-qualification, then?
When applying and pre-qualifying converge
Take reasonable precautions
What to expect flying Alaska Airlines premium class
What are dividend stocks?
How long does it take to recoup refinance costs?
What is a backdoor Roth IRA?
Buy: Swimwear and lingerie
What are biotech stocks?
What is a brokerage account?
How to use a savings goal calculator
Investing money is personal
What does tax exempt mean?
Why would you want a credit limit increase?
What is a Roth 401(k)?
What is a utility bill?
What is an emergency fund?
Halal investing definition
What is cost basis?
How travel credit cards generally work
What is the gift tax?
1. Go to a museum, aquarium or zoo
Definition of whole life insurance
Option 1: Use your tablet as a phone over Wi-Fi
How to make money as a kid
ETF vs. mutual fund
What is PayPal?
What is a target-date fund?
What is an ESG fund?
The stock market explained
Financial advisors: The good, the bad and the unregulated
Super Bowl season
What is an index fund?
Key takeaways
Why now is the best time to renew your passport
What are alternative assets?
Savings accounts
What companies are included in the S&P 500?
What is the federal solar tax credit?
IHDA highlights and eligibility requirements
How much should you spend on rent? Try the 30% rule
What is a cash-back app?
Do you pay capital gains tax on stock gains?
Investment management definition
What is points pooling and why is it helpful?
What is a home appraisal?
How to get a Diners Club card
What is married filing separately?
Best-performing large-cap ETFs
What makes a credit mistake haunt you?
How to book flights on Orbitz
1. Determine how much to save for a down payment
How to invest $50,000
What is the CSS Profile?
1. At gas stations
2. For tuition
3. For payments to the government
4. For large purchases you can’t pay off right away
5. At local merchants
1 time you can ignore these 'rules'
7 of the best apps to make money
The right time to ask for a credit limit increase
Savings calculator tip
How do you find your old 401(k)?
1. What’s the dwelling coverage per square foot?
What is a CD ladder?
Why is personal finance important?
Where can you work as a Dasher?
What is a savings account?
How to contact IRS customer service
How much to save in your emergency fund
Mortgage income calculator help
The best budget apps
Why you shouldn't sign up
How to get paid on YouTube
1. The home office deduction
What is Zelle?
Baggage fees
What is the child tax credit?
Using equity to remodel
Original Medicare vs. Medicare Advantage: Overview
What does a wealth manager do?
What are AI stocks?
Can you cancel your Alaska Airlines flight?
1. Joining Marriott Bonvoy is free
Where to exchange currency in the U.S. before your trip
What's changing at a glance
Food and drink
Why landlords typically require a credit check to rent an apartment
What to know about the Citi travel portal
Calculating the breaking point for value
1. Tax-free retirement income
How much does a wire transfer cost?
Check prices at nearby airports
Key findings
The NerdWallet Down Payment Calculator
The pros of the American Airlines loyalty program
Personal loan alternatives to Bank of America
Know your goals
8 things to know about JetBlue flight delay compensation
Capitalize on off-hours
What is SSDI?
What is gap insurance?
What's the best S&P 500 index fund?
How much is a speeding ticket in California?
Microsoft Office Excel budget templates
Estimated Hawaii trip cost
How Free File works (ideally)
Best stocks by one-year performance
Regulation D and why it matters
Financial advisor fees
What is renters liability insurance?
1. Report lost debit cards ASAP
How a fixed-rate mortgage works
1. Find a payment strategy or two
What is a bank run?
What are short-term investments?
Step 1: Price your trade-in
What is a CD early withdrawal penalty?
Calculate for inflation
What you need to open a bank account
What is the child and dependent care tax credit?
Assess your debt load
Where to buy bonds
The annual fee is worth it if you ...
How to upgrade your boarding position on a Southwest flight
Sell something of value
Share certificates: Credit union version of CDs
What’s the difference between stocks and bonds?
1. 'Stack' store and manufacturer's coupons
Who takes out payday loans?
1. You'll incur less interest
United fare classes: The differences
What is a financial planner?
Why Frontier Airlines flights get canceled
Best Prepaid Debit Cards
Preparing to buy tips
Dec. 9 - Basic Economy Fares on Delta Air Lines Will No Longer Earn SkyMiles
What are closing costs?
Which airlines have lie-flat seats in business class
How to get TSA PreCheck for free
How much does a wedding cost?
What is an extended warranty?
Foreign ATM and transaction fees
What are negative interest rates?
What is options trading?
What is a bounced check?
What is a portfolio?
Buy: Back-to-school supplies
What does it mean to invest in the S&P 500?
The risks of sharing renters insurance with roommates
How much can you contribute to a 401(k)?
Cell phone statute of limitations
When did the switch take place?
What happens if you don't file your taxes, or file taxes late?
What is deferred compensation?
Plan for the minimum spend
Crater Lake National Park
What is day trading?
Lufthansa economy fares
1. Make extra payments toward the principal
Average car loan interest rates by credit score
How to budget money
How Treasury bills work
How much are United miles worth?
What types of car-buying apps are available?
Savings accounts, national average savings rate: 0.42%
What is cash value life insurance?
Best places to sell clothes online
The most popular surveys for cash apps of 2023
1. Get help with utility bills and groceries
Follow your rhythm, not rules
Step 1: Check your credit
Comparing the Chase Sapphire Preferred® Card vs. the Chase Sapphire Reserve®
Using the debt snowball method
1. Set your budget
11 passive income ideas
1. Sell spare electronics
Create a budget plan that works for you
What is a home inspection?
What information is on a utility bill?
How does an estate tax work?
What it means to be upside-down
Why is cost basis important?
What is a credit freeze?
Life insurance calculator
How to use the mutual fund calculator
What’s required to get coverage for CPAP
1. Racking up credit card debt on an untested idea
How to calculate student loan interest
National first-time home buyer programs
Where do those $1 charges come from?
Was this Fed increase necessary?
Do I have to update my W-4 every year?
Why marijuana stocks are unique and risky
1. Discounted ticket sites
What’s the difference between business and personal checking accounts?
Amazon credit card options
What is a co-signer?
Best ways to invest in real estate
Massachusetts state income tax rates and tax brackets
Advantages of franchising for the franchisee
New York state income tax rates and tax brackets
PAYE vs. REPAYE
How they found the best auto insurance
Auto insurance
QuickBooks Online vs. Desktop comparison
SEP IRA contribution limits
Qualifying for an HSA
Penny stock investing
Kids don’t need an ID when flying within the U.S.
1. There are multiple options in JFK Terminal 5
What is an auto loan hardship program?
The key figures used to calculate auto lease payments
What is price matching?
Transfer your balance to a 0% APR credit card
Best for couples: Paris
How does annual renewable term life insurance work?
7 steps to take to open a savings account
Protecting yourself from title jumping
What to do when you lose your passport
Factors they considered when picking travel insurance companies
Average retirement savings balance by age
Is it smart to max out a Roth IRA?
Medicare home health care coverage
Best-performing U.S. equity mutual funds
A
How balance transfers work
Does homeowners insurance cover trampolines?
Are charitable donations tax deductible?
Major U.S. airline hubs
How are Bitcoins minted?
How does refinancing work?
Do rent payments affect credit?
Best day to book a flight
What is zero-based budgeting?
Spending rewards
Refinance to a lower rate
2022 California state income tax rates and tax brackets
How to start an eBay business: The basics
E*TRADE at a glance
Fidelity at a glance
Daily mortgage rates chart
Best cash-back apps of 2023
1. The Centurion Black Card is invitation-only
How to detect credit card fraud
What is a growth stock?
Do I need a passport for a Caribbean cruise?
What’s required to get coverage for Inspire
How much is flood insurance?
How to avoid banking fees
How are stocks taxed?
1. Participate in paid market research
1. Open an account at a different bank
What is broadband internet?
How the multiple listing service works
What does this value mean?
How to calculate simple interest in a savings account
Is gold a good investment?
What is second chance checking?
Customary reason for a HELOC: Renovations
Capital One CD rates
1. Become a loyalty program member
How the mortgage interest deduction works
1. What kinds of travel can be booked through the site?
How married filing separately works
1. Open an IRA
BigCommerce vs. Shopify: Deciding factors
Wingstop franchise information
My Chase Plan
The St. Regis Bora Bora Resort
Illinois state income tax rates and tax brackets
What is a personal loan?
7 high-dividend ETFs
3 steps for dealing with a debt collector
Welcome offer and ongoing rewards
What is an S-corp?
What are the best retirement plans for you?
Ways to book a flight with an international layover
Assisted living community vs. skilled nursing facility: What's the difference?
What are checking and savings accounts used for?
How to use the auto lease buyout calculator
How much is the VA funding fee?
An overview of Marriott elite night credits
Airport security
1. Sign up for Google Fi
Can I make a car payment with a credit card?
How to open a gas station
Who should submit the CSS Profile?
What determines your monthly car payment?
Understand taxes and fees, plus the unofficial award chart
Set aside physical cash
How to estimate your home insurance
Chase checking account bonuses 2023
Minimum wage over time
How they got here
Accommodation types
The bull call spread
Tax brackets 2023
What to know before getting the Capital One Venture Rewards Credit Card
Skip: Grills
What the CDC guidelines say now
1. Brigit: Best for budgeting tools
Why do people invest in cryptocurrencies?
Why you should join (or not opt out)
HELOCs and home equity loans compared
1. Clean up your credit
How canceling a card can hurt your score
Southwest delayed flight compensation: a meal voucher and travel credit
How a debt management plan works
What qualifies you to be a tax-exempt individual?
Options for an old 401(k)
Roth 401(k) vs. traditional 401(k): Where they differ
How early direct deposit works
Are WebBank credit cards good?
Back-to-school shopping
1. Refinancing your car
1. Know your bank’s mobile check deposit requirements
Key takeaways
Most Americans saving money for something
How do REITs work?
Why combine credit card points?
How to compare FHA vs. conventional loans
What’s the value when booking travel through the Capital One portal?
Option 2: Use your tablet like a phone with a data-only plan
What is capital gains tax?
Getting more with the Bank of America® Customized Cash Rewards credit card
1. You won’t pay fees
Affordable unlimited plans for the average user
Definition
How to find bankruptcy attorneys to contact
Custodial Roth IRA rules
Step 1: Write your business plan
Stock market basics
Heating and cooling
Buying an existing business checklist
Local nonprofits and charities
Best-performing ESG funds
What does this value mean?
How much are closing costs?
1. Skip the airport
What goes into the credit card interest calculation
The main differences between Delta Comfort Plus vs. main cabin
12 best investments right now
What is the standard deduction?
What are the stages of foreclosure?
What’s happening in the labor market
How much does it cost to open a laundromat?
Which transactions could be limited under Reg D?
Capital One® Walmart Rewards™ Mastercard®
Elite status upgrades
Why can’t you open a business bank account with just an EIN?
At a glance
When should I receive my Form W-2 in 2023?
1. There are multiple Ally cards
A tool to be used judiciously
The 41 best online business ideas
Hot wallets
Why invest in alternative assets?
1. Go away for the weekend
1. Save money
How much you have to make to file taxes
50/30/20 budget calculator
1. It works only for Michaels purchases
How does bill pay work?
1. Get a cash refund for your airfare
Gas prices by the numbers
What does a CD early withdrawal penalty cost?
Fees
How much does gender-affirming surgery cost?
1. Request a balance transfer
Where's my amended return?
In this article
Our picks for the best life insurance companies in August 2023
How much can I save booking last-minute?
Check your account statements
The best homeowners insurance in Washington
Stocks
1. Buy stocks 'on sale’
How to invest in stocks in six steps
What is actual cash value coverage?
1. Compare travel options
40 startup ideas
Types of RVs
What is the National Flood Insurance Program?
Supreme Court blocks student debt cancellation
How does a Roth IRA work?
Pros and cons of hardsided luggage
Is my child old enough for a savings account?
What you need to know about starting a hardware store
Student loan payoff calculator
Common mistakes that can hurt your finances
What does Capital One rental car insurance cover?
Portfolio management definition
Summary: The best places to save money and earn interest
1. Tweak your W-4
Let a travel company plan your trip
General advice for international money transfers
State Farm renters insurance star rating
The cheapest renters insurance in California
1. Credit score and credit history
What are game apps that pay real money?
Why do some hotels require credit cards?
The downsides to closing a credit card
Artificial deadlines
1. Inflation is out of investors’ control
Pros of refinancing your car loan
The best homeowners insurance in Mississippi
When do I need a cashier's check?
What is a home equity loan?
First, what’s an escrow account?
How do factor rates work?
The best money-making apps
Who is the typical student loan borrower?
Compare car insurance rates
9 high-dividend stocks
What are the requirements for delivering with DoorDash?
Ways to pay for emergency pet care
Roth IRA income limits
Which life insurance policies build cash value?
5 types of dividends
How to make money online
What are the advantages of a sole proprietorship?
How to start a consulting business in 9 steps
How do microloans work?
The best Chase transfer partners
Does Zelle cost anything?
In this article
2. Sell your gift cards
More for Pell Grants, work-study and PSLF
How to start a winery: 5 steps to success
Why do I need an emergency fund?
Transaction types
Your own insurance usually comes first
A 6-step guide to opening a salon
Knowing how your minimum payment is calculated offers insight
How halal investing can help build wealth
When to track cost basis
22 ways to save money
Does Southwest charge to change flights?
2. Read a book
How to defer your student loans
How much do Instagram influencers make?
What IdentityForce does and what it costs
1. Wait for automatic cancellation
ETFs vs. mutual funds: The main differences
Most profitable small businesses
1. It offers deferred interest
How common is credit card fraud?
Top target-date funds with low costs for 2023
Bank of America business checking is best for small-business owners who:
If you have private insurance
What does it mean to refinance a business loan?
Who qualifies for SSDI?
How Marriott PointSavers promotions work
The Sapphire cards, side by side
Why should you own stocks?
Start with your student loan servicer
Do you need a passport to book an international flight?
1. Rushing decisions in a frenetic real estate market
What you’ll get with the Capital One Venture Rewards Credit Card
Financial advisor fees by service
What to look for in a travel-friendly cash-back card
Who can get a loan from a bank?
1. Child tax credit
What does a kitchen island cost?
What to know about Medicare in Connecticut
Should I pull my money out of the bank?
Can you buy S&P 500 stock?
Is the stock market crashing?
How much does the 2023-24 CSS Profile cost?
1. Cards that allow co-signers
FICO vs. VantageScore
1. Create a Shopify store
Decide when to pay your credit card bill
1. Save money by looking to second cities
Starting an import/export business
Why refinance your car loan?
Average 401(k) balance by age
Use your Hyatt Points for hotel stays, and pay attention to location
Banner life insurance
Why mortgage rates change every day
Are there specific resources available for people in the LGBTQ+ community who are on an entrepreneurial path or interested in starting a business?
How P2P payments work
The best life insurance for seniors in August 2023
How much is a speeding ticket in Texas?
Share certificates vs. share accounts
How to make money on Upwork
First, know what you're getting in basic economy
Points: Spending rewards
Use payment alternatives
1. Affirm
Factors they considered when picking a travel insurance policy
How much does a home appraisal cost?
Easy to get but worth it?
Do you need a financial planner?
Why are loyalty programs cutting off elite status in 2023?
Where Shopify wins
How much are closing costs?
What are the potential benefits of pay transparency?
What is ChexSystems?
What does IHG Ambassador status include?
Emirates Skywards redemption rates on JetBlue
Where you can find Hyatt club lounges
Bounced check fees: Overdraft and NSF
1. Student loan delinquencies will rise
What is a flexible spending account, or FSA?
How ‘pay for delete’ works
What is a Southwest Airlines Companion Pass?
Treat your vacation relationship like a marriage
New Medicare Part D coverage for vaccines
Skip: Amazon devices
Blockchain example: Bitcoin
When should I submit the CSS Profile?
What is a tech business?
The best homeowners insurance in North Carolina
How to use the car affordability calculator
What does this value mean?
Look for freebies with purchases
1. Set up a payment plan
Savings calculator help
1. Low-interest or 0% intro APR credit cards
Examples of personal finance in everyday life
T-bill purchase example
Top credit cards you can use instantly after approval
Calculator: Convert United miles to dollars
Why you need a savings account
What is infinite banking?
How Vrbo works
Mint, for just about everything
TransUnion credit freeze online
2. Find money for child care
Factor in variable expenses
Chase College Checking℠: $100 bonus
Best crypto credit cards
Real estate agent commissions
Why wouldn’t you want a credit limit increase?
How much is the 2023 child tax credit?
18 medical business ideas
Petal® 2 "Cash Back, No Fees" Visa® Credit Card
How to get an apartment with little or no credit
Whole life policy features: Definitions
How to freeze your credit
2. Penalty-free withdrawals
5 steps to get preapproved for a home loan
At a glance
Where to buy Treasury bonds, notes or bills
Ways to earn money as a younger kid
Why you should get preapproved for an auto loan
What does non-owner car insurance cover?
How to use PayPal
Is there a new W-4 form for 2023?
The outlook doesn’t look good
Track your monthly spending
What pushes gas prices up?
The best whole life insurance companies of August 2023
The average stock market return isn't always average
Understanding your required coverages
Banking
How the market works
Spot pet insurance
How an HSA works
What does gap insurance cover?
What is an S&P 500 index fund?
Google Sheets budget templates
How do the cards' features compare?
Types of USDA loans
How do index funds work?
How does a home equity loan work?
Colonial Penn life insurance
Who has price-matching policies?
1. T.J. Maxx loyalists can rake in rewards ...
Are these the best stocks to invest in right now?
Best for families: Caesars Palace
Protective life insurance
The best renters insurance companies for 2023
What is the Walmart MoneyCenter?
Why do people title jump?
Why the Chase Sapphire Preferred® Card is better for most people
How an adjustable-rate mortgage works
Lemonade home insurance star rating
Median retirement savings balance by age
Step 2: Get multiple quotes
Why equity matters
Citi® Double Cash Card
Solar tax credit 2023
Where to buy term life insurance
2. It will cost you $10,000 to get one
What’s going to happen on Feb. 28?
Lemonade pet insurance
2. Find a coupon database
2. Add a joint owner
How to list a home on the MLS
How do investment management services work?
How to create your pool
Current Discover bonus categories
Quick background
Why the Discover it® Cash Back is better for most people
Health insurance: $5,000 to $20,000
How a strike works
What is a reasonable wedding budget?
Types of ETFs
Our take
What does a portfolio manager do?
1. A high-yield online savings account that earns 4% or more
Best alternative credit cards
529 contribution limits
How many elite night credits do I need to earn status?
Wise is best for:
Think about how much you'll need in retirement
What to do about an old phone bill
Is the Costco Anywhere Visa® Card by Citi also my Costco membership card?
What does it mean to be house poor?
Pacific Life insurance
State Farm life insurance
How to Refer-A-Friend with Chase
Earn extra on business meals
Guardian Life insurance
Lufthansa economy vs. Economy Light fares
What happens to federal student loan debt when you die?
How they selected the best car-buying apps
Buy: Father’s Day gifts
How to meet your monthly savings goal
How to calculate your home equity
Can you upgrade the Chase Sapphire Preferred® Card to the Chase Sapphire Reserve®?
Benefits of using Zelle
3. Pawn something
Monthly budget worksheet
How much money do you need for wealth management?
Ways to calculate cost basis
Gift tax limit 2023
3. Catch a movie
Wire transfer fees by financial institution
CPAP therapy comes with continuing expenses
0% balance transfer credit cards
Why do I only see it with certain purchases?
Who qualifies for the Fresh Start program
Higher mortgage rates keep homes off the market
Do I have to pay Massachusetts state income tax?
How do you calculate closing costs on a house?
How the new student loan repayment plan differs for other IDRs
Why QuickBooks Online is a better choice
TV release cycle
Why do a product change?
The best home insurance companies of 2023
Where the jobs are
The cost of not filing for free
Which transactions don’t apply to the savings account withdrawal limit?
Getting cash, no questions asked
Where do I cash in a savings bond?
Aflac life insurance
Checking and savings features
An overview of the best annual travel insurance
2. Child and dependent care credit
1. It requires a Current account
What is the 50/30/20 rule?
Which services will report your rent payments?
Best day to fly
Gather key information about your current loan
Weigh DIY payoff methods
Ways to finance gender-affirming surgery costs
If you want to pay down your student debt faster
Work out how much of your income should go to rent with the 50/30/20 rule
What is a credit card hardship program?
Fetch Rewards
How they ranked the top life insurers
Categorize your expenses
John Hancock life insurance
More about the best home insurance companies in Washington
2. Become a virtual assistant
1. Bonus cash-back categories are highly useful
What are the pros and cons of second chance checking?
More details about Capital One CDs
1. Traditional or Roth IRA
2. You'll reduce your credit utilization ratio
March 31 - Delta Announces Status Accelerators
What makes a good kids' savings account?
Conrad Bora Bora Nui
How extra student loan payments work
Why your credit card's extended warranty is a good deal
Fabric life insurance
How to choose a checking account
What your estimated buyout cost tells you
How tax rules have changed
2. Learn more about your 401(k)
How to invest in the S&P 500 in two steps:
What is Ozempic?
Who qualifies
Can I pay off my car loan with a credit card?
What the Hollywood strike means for you
How to consolidate your debt
What kind of financial aid can I get with the CSS Profile vs. the FAFSA?
Estimate your college costs
2. Index funds can provide simple, effective diversification
More about the best home insurance companies in Mississippi
Build up supplies slowly
State minimum wages
The wrong time to ask for a credit limit increase
2. Refinance if you have good credit and a steady job
How much does Alaska Airlines premium class cost?
Are auto loan interest rates rising?
What you need to know about savings accounts
How to create a backdoor Roth IRA
Why you should sign up
Why buy dividend stocks?
Look for lower rates and ways to pay more
Inflation continues to cool
How to transfer a 401(k) to IRA
Compare Roth 401(k) vs. traditional 401(k)
How much should I save?
Pricing transparency
Estate tax exclusion: Do I have to pay taxes on an estate?
Why businesses in health care are worth exploring
Why it’s risky
Key findings
Southwest credit cards
New limited-time offer
1. Rent from an individual owner, but beware of scams
Estimating the life of your car
How many Instagram followers do you need to make money?
Different types of life insurance
Details on the new United Gateway℠ Card
2. Confirm the check amount is within mobile deposit limits
Over 1 in 5 savers opened online-only savings account during pandemic
2. Giving employees cards without a spending policy
Why travelers will prefer the Chase Sapphire Preferred® Card
Tipped minimum wages by state
Tablet calling is easy
How capital gains taxes work
Tesla insurance cost for a Model 3
How to open a custodial Roth IRA for kids
How to choose marijuana stocks
Risks of co-signing a loan
How they ranked the top life insurers
Rules for borrowing
How to convert Virgin Atlantic points to dollars
SEP IRA rules: Who is eligible?
Pros and cons
Delta main cabin
Nurture fresh skills
Why the Chase Sapphire Preferred® Card wins
The HEA’s debt cancellation history
How much does annually renewable life insurance cost?
Medicare Advantage companies in Connecticut
2. Rewards are easy to track but expire quickly
What is a stock market crash?
Current online CD rates by term
2. Try rebooking with Southwest via phone
How do I know if I'm eligible for a fee waiver?
Best brokers for forex trading
What is Bitcoin halving?
How does a HELOC work?
How does the solar tax credit work?
How much is the child and dependent care credit worth?
Zero-based budgeting example
Median 401(k) balance by age
Refinance to a longer term
Best-performing growth stocks
How do commercial loans work?
4 ways to invest in gold
Less common ways to use a HELOC
What affects the home appraisal cost?
Why are food prices rising?
Types of financial planners
What history can't tell us about future rates
Bluebird by American Express
Student loans
How does ChexSystems work?
Illinois state income tax deductions and credits
How to keep foreign transaction fees low
Why interest rates change
Sometimes doing nothing is the mistake
Ways to pay yourself as an S-corp
How to convert Skywards miles to dollars
Episode transcript
Buy: Outdoor products
How it works
Wise pros
State availability
The best renters insurance in California
2. Use money tips to accelerate your savings
More about the best home insurance companies in North Carolina
Recent averages for factors that affect a car payment
Where can I get a cashier’s check?
How to convert American miles to dollars (calculator)
Don’t delay buying back-to-school supplies
First: Add up all the costs of refinancing
How does DoorDash work for drivers?
Blue Cash Preferred® Card from American Express
Other ways to contact a real person at the IRS
How to think about international travel
How your policy earns cash value over time
Class representatives don't always get a larger payout
The lowdown on paid online surveys
Step 2: Pre-qualify and compare offers
2. Shop for a loan
2. Health insurance (maybe) deduction
American Express Membership Rewards: The basics
4. Work today for fast cash today
When does the home inspection happen?
Which is best for you?
What types of institutions offer early direct deposit?
Alaska Airlines' flight cancellation policy
2. Sell or trade in your car
Why you might want the Apple Card
Types of student loan deferment
How to manually calculate how much life insurance you need
Card issuers’ rules for combining points
When will the auto market return to normal?
2. Request PMI cancellation sooner
Bump-up CDs
Has the account adjustment started?
Which network offers the best exchange rates?
1. Make sure IDR fits for you
Grace period
2. Lounge access policies vary
Why invest in index funds?
How to qualify for price matching
How to find the best stocks
How to redeem rewards with the Capital One Venture Rewards Credit Card
How they ranked the best renters insurance companies
When are federal student loans due?
How much debt is forgiven with income-driven repayment?
Can you open a business bank account without a Social Security number?
How to get your Form W-2
Types of alternative assets
2. Grab some grub
Banks offering personal loans
3. American opportunity tax credit
How to max out your Roth IRA
2. Change repayment terms
What is a mutual fund?
How to claim tax deductible donations on your tax return
Who is hurt the most?
An early withdrawal’s other cost: future interest forfeited
2. Stretch your budget by being flexible with travel dates
When to refinance a mortgage
IHDA first-time home buyer loan programs
Banner life insurance policies
Personalized versus average interest rates
What is replacement cost coverage?
How to search for homes on the MLS
What does an investment manager do?
2. Start saving, and plan for repayments
How apprenticeship programs work
Can payday loans be a low-cost solution?
What qualifies as mortgage interest?
What to do if Frontier cancels your flight
What’s staying the same
What are the 2023 Roth IRA contribution limits and income limits?
Key findings
How to start a hardware store in 5 steps
When is a personal loan a good idea?
Active vs. passive portfolio management
2. Consumer spending will slow
Why ‘pay for delete’ is becoming outdated
Best for no credit
2. Get free overseas data using T-Mobile and Sprint
If I had the Costco AmEx, will I get a new card?
What happens if you file taxes late but don't owe anything?
What hotels do not require a credit card?
How deferred compensation works
Autopay recurring business expenses
Four-year free college tuition
How does a home equity loan work?
How to make the homeowners insurance switch
Student loan debt by age
2. Credit card loan programs
2. Do I have multiple deductibles?
Investing for income: Dividend stocks vs. dividend funds
See CD rates by term and type
United MileagePlus Miles value over time
Where to stash your emergency fund
Where to find auto sales listings
Skip: High-end clothing
2. EarnIn: Best for large advances
How does cryptocurrency work?
3. Recover unclaimed money
Best microlenders
Team up with your partner
Overweight and oversized bag fee
Submit the FAFSA to be eligible for aid
Mortgage payoff calculator help
Estate tax rates
7 best-performing AI stocks
Which Southwest fares can be refunded?
Fast-growing places are at high risk for worsening climate conditions
3. Endorse the check
Learn more
What you pay for CPAP
Preapproval is not the same as pre-qualification
FHA vs. conventional loans
MHDC highlights and eligibility requirements
Shopping strategically will help, a little
Amazon personal credit cards at a glance
ESG ETFs: The cheapest ESG funds
Make a budget
State availability
Why are S&P 500 index funds popular?
NerdWallet’s budget worksheet
How the standard deduction works
Colonial Penn life insurance policies
Best for a weekend with friends: The Cromwell
Protective life insurance policies
Discretionary income explained
2. Account frozen? Submit documentation
2. Ally credit cards are currently available by invitation only
How to plan for your kitchen island project
Top-rated Medicare Advantage plans in Connecticut
Certificates of deposit
What happened in March 2023?
Costs for home health care under Medicare
How to reduce your risk
What should homeowners do to make sure they're covered?
What is home equity?
2. Set up a dropshipping business
Current car loan information you will need
If you are seeking PSLF or IDR loan forgiveness
What about international vs. domestic hotels?
John Hancock life insurance policies
Does Medicare Advantage cover Inspire?
Why do credit unions call it a share certificate?
2. Target sectors that perform well during inflation
3. Transcribe audio and video
3. Read the fine print
3. Get an account that's in a different ownership category
Compiling data from internet service providers
Know what you could get by adding economy benefits
Marriott points calculator
Send checks safely
What to consider when opening CDs
2. Save with best rate guarantees
2. Who is eligible?
What is a FEMA flood map?
Payments resume in October
Medical expenses
Airlines that don't have lie-flat seats in business class on wide-body aircraft
How to plan a wedding on a budget
How to buy an ETF
What paperwork do I need?
Our tips
Our take
Do you need an FSA?
Wise cons
2. Income
Pacific Life insurance policies
Marriott-MGM partnership
A long non-winning stretch, but still hope
State Farm life insurance policies
How can I get a cashier’s check?
Guardian Life insurance policies
What was your total debt when you started your repayment journey?
What's included in economy
How to calculate a factor rate
Does raising the minimum wage cause inflation?
Compare car insurance rates by age
What happens to private student loan debt when you die?
How to build a CD ladder
Historical national rates
How does infinite banking work?
How do brokerage accounts work?
BEST CO-BRANDED CREDIT CARDS ISSUED BY BARCLAYS
Where to look for information
Cost of living outpaces income growth significantly over past year
Where to get foreign currency outside the U.S.
Gift tax limit 2022
4. Play a game inside
3. No required minimum distributions
How to monetize your Instagram with fewer followers
What this means for existing customers
When are federal student loans due?
Search for one-way flights
Types of REITs
What’s the value when transferring to Capital One partners?
Is IdentityForce worth the price?
When should I worry about a $1 charge?
2. Earnings are competitive
How to fill out a 2023 W-4 form
How much does Tesla car insurance cost in my state?
Put additional cash in a high-yield account
Can you use a personal checking account for business?
Why invest in target-date funds
5-year, 10-year, 20-year and 30-year S&P 500 returns
Medical bill assistance
Best overall: NJM
How does the value of Flying Club points change when booking business class?
2. Shop around online
For people with Medicare
How does gap insurance work?
What to do after you get a speeding ticket in California
Black Friday
2. Sacrificing big just to snap up something
Make frequent payments
Is renters liability insurance required?
What are the Walmart MoneyCenter hours?
Blue Cash Everyday® Card from American Express
Aflac life insurance policies
Top annual travel insurance options
4. Lifetime learning credit
How to choose the best mutual funds for you
C
What to do if the stock market crashes
2. Secured credit cards
Buying a new policy during high inflation
2. Wait for the transfer to go through
Figure out how much you can afford to spend on rent
3. You can request a Centurion Card invite online
Which P2P service should you use?
What documents do I need if I don't have a passport?
Best life insurance for seniors in August 2023
Bonds
Current Chase bonus categories
Blue Cash Preferred® Card from American Express
3. You'll avoid maxing out your card
Dec. 9 - Delta Eliminates Change Fees on International Flights
The downgrades are good for some
How to determine your closing costs
What do pay transparency laws require?
Which resort is better for you?
Who has access to Hyatt lounges
Fabric life insurance policies
Merchant fees for a bounced check
Which Capital One travel cards include rental car insurance?
What about Medicare Advantage?
How to choose a savings account
How does the value of Skywards miles change when booking business class?
529 plan rules
Skip: Major household items
Medicare covers Ozempic for Type 2 diabetes
Tips for sharing renters insurance with a roommate
State Farm renters insurance coverage
More about the best renters insurance companies in California
An IRA might be a better option
Blockchain pros and cons
How much financial aid will I qualify for with the CSS Profile?
How to determine how much car you can afford
How day trading works
Book shorter distance flights in business class
Community college free tuition
Gather your important documents
How do American miles compare to other airlines?
For some items, wait for October
Quality
How to use average car interest rates
13 fundamentals of personal finance
Savings accounts with strong APYs can help your money grow
The cheapest large car insurance company: State Farm
Chase Secure Banking℠: $100 bonus
Brex Card
Title insurance
5. Seek community loans and assistance
Requirements: Who qualifies for the child tax credit?
Wealth management strategies
Overall cost
Financial institutions with early direct deposit
Find out where you stand
2. There are over 8,000 Marriott Bonvoy hotels
Halal investing tenets
How are existing cardholders impacted?
Issuer pre-qualification pages
Information you need to freeze your credit at all 3 bureaus
Financing repairs or a car payment
Term life insurance
How to get a Fresh Start
5 Reasons why a Roth IRA can be right for minors
Understanding the stock market
How severely is credit card fraud punished?
Spot pet insurance plans
HSA-eligible expenses
8 types of financial advisors
Will your disability benefits change when you turn 65?
How many S&P 500 index funds do I need?
How do stocks work?
Qualifying for a USDA-guaranteed mortgage
How much does a U.S. passport cost?
Should I choose a home equity loan or a HELOC?
How they ranked the best homeowners insurance companies
What if I go over the limit?
I got title jumped. What now?
What documents do I need to cash a savings bond?
Example: ARM vs. fixed-rate mortgage payments
Why chargebacks are increasing
Retirement savings by age
3. Choose a different lender
Current CD Rates: Compare high-yield to national average rates
Step 3: Choose an offer
How does a home equity loan work?
What does a CSS Profile fee waiver cover?
Determine how much you'll pay
Is the solar tax credit refundable?
Average 401(k) contribution rates
Apply for mortgage forbearance
What’s the status of my amended return?
Where to find a credit card hardship program
Best life insurance companies: Pros and cons
Help a neighbor in need
Risk Rating 2.0
How to reduce 401(k) fees
How are dividends taxed?
2. Afterpay
Picking a second chance checking account
Specific Diners Club cards
Recent changes to food costs
Retirement savings plan: 3% to 10% of salary
2. Set financial priorities
Why your rate is unlikely to go negative
How to trade options in four steps
3. Savings will remain low or fall further
Why your tax basis matters
How to get a Companion Pass faster
3. Look into an IRA
How to book hotels on Orbitz
How to avoid a failure-to-file penalty
Budget before you buy
Focus on your future student loan payment
'Don't miss this opportunity'
What to consider when you're referring
Decide if rewards are for work, play or both
How did you end up in debt?
2. Apply for a medical credit card
See CD rates by bank
How much do DoorDash drivers make?
Try a simple budgeting plan
Treasury bills compared to other Treasury securities
How do United miles compare with other airlines?
How much of your income should go toward a mortgage?
Backdoor Roth IRA rules
Shop now: Semiannual sales
What you can do with the cash
When to opt out (or not join)
Decide what’s really important
About home equity loans
2. Rebalance your debts and income
Things to consider when using Zelle
Where do I put my emergency fund?
AvantCard Credit Card
2. Offer to move in right away
What is the gift tax rate?
5. Play a game outside
More about whole life insurance
0% intro APR cards
Student loan interest calculator
Rates could be near peak
Cell phone plans for families
2. Paying with points
2. You won't want to carry a balance
Am I a resident for Massachusetts state income tax purposes?
Risks of using a 401(k) loan
Credit cards
Bank of America business checking at a glance
Embrace the newness
How to find Marriott PointSavers hotels
How to get a product change
3. Dedicated space for military service members
Tips to make price matching smoother
2. ... But it's not ideal for everyday purchases
An alternative to chasing the best stocks
Legal roadmap could differ
Best for pools: Caesars Palace
Is annual renewable term life right for you?
More about the best renters insurance companies
3. Ask your bank for relief
3. Annual fees vary depending on the card and applicant
Lemonade home insurance coverage
5. Student loan interest deduction
What does the S&P 500 measure?
Investments for money you need in less than 2 years
3. The quality of cardholder perks is questionable
How to set up bill pay
3. Monetize your social media presence
Cryptocurrency selection
Who is a qualifying dependent for the child and dependent care credit?
Consider debt consolidation to get out of debt faster
When is California income tax due?
How to find growth stocks
Types of commercial loans
What is your advice for LGBTQ+ people who are looking for affordable, inclusive places to move and/or retire? Any practical advice for balancing safety with a high cost of living?
Lemonade pet insurance plans
4. Sell online
How to manage your own investments
Which careers have apprenticeships?
Compare the cost of bundling vs. adding perks a la carte
An overview of the best travel insurance for older adults
Sept. 22 - Delta Extends Benefits, Adds More Flexibility
Complicated spouses
How to search and book JetBlue awards online
401(k)s and other employer-sponsored retirement plans
What happens during an international layover
Wise transfer methods and options
Benefits
3. Keep down payment savings in the right account
Debt consolidation calculator
Ask about annual fee credits or retention offers
How credit scores affect monthly car payments
Limited free-tuition programs
Do all workers earn at least the minimum wage?
The bear put spread
Is Alaska premium class available on every flight?
3. What isn’t covered?
Top car-buying apps
Accept that anything can change — and have a plan if it does
How are cryptocurrencies created?
TransUnion credit freeze by postal mail
4. Get down payment assistance for a home
When canceling a credit card makes sense
Is a debt snowball for you?
3. Determine other ownership costs
United canceled flight compensation: travel credits and miles
6. Ask for forbearance on bills
AIRLINE CREDIT CARDS
Hiring a home inspector
How to pay off a mortgage early
Which states have an estate tax?
How to invest in AI stocks
How to cancel your Alaska Airlines flight
18 health care business ideas to consider
3. Lease a car
Is deferring student loans a bad idea?
How far in advance should I get preapproved for a mortgage?
3. Justifying credit card overspending with tax deductions
What is long-term capital gains tax?
The business of Airbnb isn’t business travel
Experience and expertise
Water
Prime Visa
Best whole life insurance policies for 2023
When you might choose QuickBooks Desktop instead
How does a SEP IRA work? The pros and cons
What is an index?
Other factors that affect what you'll pay each month
When can you not take the standard deduction?
Using the numbers to your advantage
How is discretionary income calculated?
Should you borrow from cash value life insurance?
Who might prefer the Capital One Venture Rewards Credit Card
How a Form W-2 works
2. Consider debt consolidation
Cash-back cards to use before you go
3. Book your next flight using your AmEx
What was the bank run of 1930?
Requirements for Medicare home health care coverage
E
Good balance transfer cards
3. Try contacting Southwest via social media
Potentially overlooked (or underestimated) ways to save
When will Bitcoin reach its cap?
What CD early withdrawal penalties cost at some big banks
Reassess your coverage regularly
3. Get compensated if your travel is delayed
How to start a zero-based budget
What to watch for when you buy bonds
How your credit score affects your rate
Coupons.com
What about booking luxury hotels last-minute?
4. You need to be a big spender to get a Centurion Black Card
How do share certificates work?
4. Learn your store’s coupon policy
2. 'Early Pay' allows you to avoid interest penalties
Actual cash value vs. replacement cost
How much does internet service cost per month?
How do Marriott Bonvoy points compare to other hotel programs?
More about Capital One
4. You'll stay on your issuer's good side
How to rebook after a Frontier flight cancellation
NFIP flood insurance coverage
Mortgage selection tips
Bank of America® Travel Rewards credit card
How to use a health care FSA
Buy: Summer clearance
Will my credit score get dinged because of this?
Why are actors striking?
3. Monthly debt payments
What triggered your decision to start getting out of debt?
Keep watching prices even post-purchase
How many banks have collapsed?
3. Consider other credit options
The worst they can say is no. Shouldn’t I try?
3. Third-party payment services
How a savings account works: withdrawal limits
Interest checking accounts, national average rate: 0.07%
How are dividends paid out?
Change and cancellation fees
When debt management plans work best
Wealth manager credentials
Card readers and apps
When you can change your Southwest flights
6. Volunteer
4. Tax-free withdrawals for your heirs
5 ways to make money on Instagram
4 more ways to estimate how much life insurance you need
4. Open the mobile deposit function in your bank app
Capitalization increases interest costs
Missouri home buyer assistance programs
Local sales
Who needs non-owner car insurance?
Step-up CDs
Who controls gas prices?
Calculating New York state income tax
Best large insurance company: American Family
How flexible are Flying Club points?
3. Comparison shop between brands (the discount ones aren't always cheapest)
Average daily balance
What is the point of the stock market?
Advantages of HSAs
Mint lifestyle templates
Find nonprofit student loan assistance
Taxpayers likely don’t know about Free File options
Aim for the most valuable uses of your Venture miles
How many borrowers have received income-driven repayment?
Can you open a business bank account with bad credit?
Is an ARM or a fixed-rate mortgage better?
6. Adoption credit
2. It has some credit-building features
Step 4: Close the deal
Decide what type of account you want: checking vs. savings
Other factors to consider when deciding to pay during forbearance
What you pay for Inspire
4. Join a credit union
3. Examine your credit card options
Take action if a check goes awry
Alternatives to payday loans
3. Spend strategically on hotel credit cards
3. How do I find out if I’m eligible?
What’s yours is mine
My Chase Loan
Apply extra student loan payments toward the principal
Which credit cards offer extended warranties?
VA funding fee exemptions
Have a plan for common travel scenarios
About the shingles vaccine
How to file a claim
Pacific Life customer complaints and satisfaction
Choose the right loans
Benefits of deferred compensation
3. Value investing can be a solid strategy
Fly between regions in close proximity
Local and city free-tuition programs
When is the best time to use American miles?
Before you call
What if you're priced out of homebuying?
Wait for: Amazon Prime Day
Leverage community resources
3. Continuing education deduction
Taxes and fees
7. Request a payroll advance
Airfare
Additional child tax credit
Possible reasons why your minimum payment increased
Get right-side up again
3. Paying for hotel nights isn’t the only way to earn rewards
How points work with a Southwest credit card
3. Prove income or savings balance
How to the avoid gift tax
FHA loan requirements
How much are Capital One miles worth?
What is short-term capital gains tax?
Who will see their loans discharged entirely?
3. Cardholders enjoy a longer return period and exclusive offers
What to expect the stock market to return
Invest in your goals
How do I open a SEP IRA?
How Bank of America business checking works
How to cut your Hawaii vacation costs
Best homeowners insurance companies: Pros and cons
What if I need cash after I hit the limit?
What renters liability insurance covers
What about Congress voting to roll back forbearance?
4. Monitor bank transactions online
4. There’s no cap on cash back
Rules for tax deductible donations
3. Alternative credit cards
4. Sell print-on-demand products
What projects are eligible for the solar tax credit?
Apply for loan modification
3. Pay off your balance
Cash in your points for room upgrades
Banner customer complaints and satisfaction
Is a Southwest Airlines upgrade worth it?
How to report credit card fraud
Should you buy growth stocks?
Where to get a commercial loan
5. Housesit
Get your investments managed for you
Current Citi Dividend bonus categories
Simple interest vs. compound interest
Who might prefer the Discover it® Chrome
ITIN: What it is and how to get one
Serve American Express Prepaid Debit Account
Other loan forgiveness pathways expanded
What are the Roth IRA benefits?
Closing costs calculator
Which states have pay transparency laws?
The state of home improvements
How do I open a savings account for a baby or child?
Limitations on JetBlue award searches
Western-Southern customer complaints and satisfaction
Being put in a database due to a bounced check
4. Delinquencies across debt types may rise
The value of high APYs
When is the best time to book with Skywards?
How much does it cost to invest in the S&P 500?
Decisions, decisions
Medicare doesn’t cover Ozempic (or Wegovy) for weight loss
How to earn Marriott elite night credits
3. Buy a local SIM card in your destination
Which MGM Vegas resorts are joining Marriott Bonvoy?
Game apps that pay real money: before you play
Cons of refinancing your car loan
What steps did you take to reduce your debt? What resources or services did you use?
Protect your credit
What can I use a home equity loan for?
How to convert a factor rate
Student loan debt by race and gender
What happens to your parents' loans in case of death?
Tax brackets 2022
Are Treasury bills a good investment?
When is the best time to use United miles?
3. Empower: Best for fast cash
Pros and cons of cash value life insurance
YNAB, for hands-on zero-based budgeting
How to choose a brokerage account provider
TransUnion credit freeze by phone
Chase Total Checking®: $200 bonus
What is a tax exemption?
Paying for a remodel without equity
What are the benefits of early direct deposit?
What to ask your credit card issuer
The best place to exchange currency at the end of your trip
Is the higher annual fee worth it?
7. Visit the farmers market
Selling your car
5. Almost anyone can contribute to one
Most taking financial action because of pandemic
Best-performing marijuana stocks
Stock trading information
How target-date funds work
ESG benefits
When to estimate closing costs
Exceptions to state minimum car insurance requirements
5 steps to refinance a business loan
Is gap insurance worth it?
How to choose an S&P 500 index fund
TV-buying tips
What does it mean when you own stocks?
Cut expenses and increase income
Best for food: Caesars Palace
Protective customer complaints and satisfaction
Is it worth it to cash a savings bond?
4. Take advantage of the complimentary global travel agency
7. Earned income tax credit
How to open a savings account or CD
Do I have to file taxes?
How can homeowners avoid trampoline claims?
What is private equity?
4. Find a more creative way to your destination
Strategies to avoid a CD penalty
Input new refinanced car loan information
Factor in other costs
When you should lock your mortgage rate
What will the Supreme Court decide?
What to do after you get a speeding ticket in Texas
Comparing stocks and bonds
When are taxes on stocks due?
5. Use IntraFi Network Deposits
Pros of apprenticeships
How has the Marriott points value changed over time?
5. You could activate your grace period
Where to rent an RV
How long do you stay on ChexSystems?
Unintended consequences of negative rates
Make the most of a long layover
Skip: iPhone
401(k), IRA, Roth: Know the tax impact
What happens if you don't pay your taxes?
Plan for upkeep and upgrades
When debt consolidation is a smart move
How to book a hotel without a credit card
Misinformation
How much does a cashier’s check cost?
Compare car insurance rates for 20-year-olds
3. Enroll in autopay
Then: Figure out your monthly savings
Bonus: Quirky observances
Pros of infinite banking
5 best biotech stocks in the S&P 500 by one-year performance
Why are there so many kinds of cryptocurrency?
Survey sites that pay cash
5. Find tax credits for health insurance
4. Find the right car for you
How much are American Express Membership Rewards points worth?
How do I build an emergency fund?
Point-of-sale hardware
Debt making Americans feel anxious, overwhelmed
How to rebook your Southwest flight at a cheaper fare
Top credit cards that offer preapproval without a hard pull
Is it a good deal?
5. Take clear pictures of the check with your mobile device
What about Congress voting to roll back forbearance?
Low-interest credit cards
Why the Chase Freedom Unlimited® could be more appealing for some
3. Get a new appraisal
Loan costs, repayment and alternatives
2. Check if you qualify for PAYE
Bad-credit online loans
Do you have to contact anyone to switch from SSDI to Social Security?
Average car insurance rates after a speeding ticket in California
Kids need an ID when flying internationally
How to qualify for a hardship program
How to get a home equity loan
Standard deduction 2022 (taxes due April 2023)
3. Competing with a win-at-all-costs attitude
How to maximize savings
What services are available at Walmart MoneyCenters?
Learn more about cash value life insurance
Aflac customer complaints and satisfaction
Average mutual fund return
What to do if your account is closed
Alliant Cashback Visa® Signature Credit Card
Crypto capabilities
How to start an eBay business: 15 tips
More about Banner life insurance
Best life insurance company overall: MassMutual
5. Centurion Cardmembers still get to bring guests into the Centurion lounge
Are P2P payments safe?
How to reduce IRA fees
JetBlue’s points pooling rules
National second chance banking
What to apply for instead
4. What kind of savings can military members expect?
Everything else: Zero to thousands
Aug. 31 - Delta Follows United's Lead, Eliminates Most Domestic Change Fees
Where BigCommerce wins
Who pays the closing costs?
Airlines that offer lie-flat seats on smaller aircraft
CASH BACK CREDIT CARDS
Two ways to access Hyatt lounges without Globalist status
Our tips
Assisted living costs and how to pay
How to reduce your gains
More about Pacific Life insurance
State Farm customer complaints and satisfaction
How much does it cost to submit the CSS Profile?
Guardian Life insurance customer complaints and satisfaction
Spread out holiday expenses
Debt-to-income ratio 101
Flexibility
4. Buy now, pay later services
Chase Sapphire Preferred® Card
Is Vrbo a safe site?
The cheapest midsize car insurance company: Auto-Owners
What's next?
3. Don’t ask for too much cash
8. Take a loan from your retirement account
The difference between tax exemptions, tax deductions and tax credits
It’s not only about taxes
How to find AI ETFs
The dealer is not your friend
Oportun Visa Credit Card
The new Citi ThankYou travel portal, recapped
8. Go thrift shopping
How to unfreeze your credit
4. Using the same credit card for business and personal spending
Cards that earn Capital One miles
3. Reward options are plentiful, but values vary
Clothes, vintage and crafts
What are PayPal fees?
Compensation that fits your case
3. With a vacation package
Should you open a business checking account?
How to protect yourself from credit card fraud
Best for loyal customers: Nationwide
How did they determine the Virgin Atlantic Flying Club points value?
QuickBooks alternatives
Qualifying for a Single Family Housing Direct Home Loan
4. You can purchase a day pass
What are the alternatives to foreclosure?
The biggest tax software providers specialize in murk
3. There's an upfront incentive, but it won't fund a shopping spree
SoFi drops lawsuit to end forbearance early
The Department of Education is implementing income-driven repayment fixes
5. Know the bank’s timeline
Which card should you get?
5. Enroll in and bookmark the Entertainment Access page
Discounts
8. Charitable donations deduction
Reasons not to refinance private student loans
What is the average return of the S&P 500?
3. It’s light on some fees, but not on others
4. You won’t want to carry a balance
F
What a good credit score can get you
5. Sell handmade goods
HELOC requirements
How do you qualify for the federal solar tax credit?
What care expenses qualify toward the child and dependent care credit?
The pros and cons of zero-based budgeting
Boost debt payoff with budgeting
Do I have to pay California state tax?
Circumstances that may qualify for a hardship program
What Caribbean destinations don't require a passport?
3. Take advantage of high-yield saving accounts
5. Make a shopping list
6. Open a cash management account
Types of replacement cost coverage
Cons of apprenticeships
How to buy gold stocks, mutual funds and ETFs
Perks: Goodies for carrying the card
3. Apple Pay Later
Who pays for a home appraisal?
4. Take full advantage of onsite benefits
Other opportunities to pay off student loans faster
When do personal loans not make sense?
How Fabric compares to other insurers
Your bank may close your account after a bounced check
How borrowers can cope
How to use a dependent care FSA
2. An interest-bearing checking account that earns 1% or more
Best for fair or limited credit
4. Save for college
Who should get the shingles vaccine?
State Farm renters insurance rates
Risks
Can I still use my TrueEarnings® Card from Costco and American Express elsewhere?
4. Resist dipping into your other savings
How loan term affects your monthly car payment
What's next?
When not to call the IRS
Is cash value life insurance right for you?
Are dividends taxed?
Lifting a TransUnion credit freeze
6. Apply for college grants
About home equity lines of credit
How do I enroll in Zelle?
Partner award booking fee
Seller concessions
Hotels and motels
Original Medicare vs. Medicare Advantage: Coverage features
Are there any issues with early direct deposit?
What is the difference between an inheritance tax and an estate tax?
Tips for taming your minimum
4. Talk to your lender
Examples of cost basis
4. Pay a few months’ rent upfront as a security deposit
How the annual gift tax exclusion works
Deferment vs. income-driven repayment
Whole life insurance
Redeeming wisely: Preferred Rewards will boost your earnings
How to make yourself a smaller target for ID theft
What company has the cheapest Tesla car insurance?
Do I have to do anything?
Mastercard has an edge, but it’s complicated
4. Home Depot offers a separate card for bigger projects
What is Massachusetts' standard deduction?
4. Leverage memberships
For Medicaid beneficiaries
The Federal Trade Commission’s budget worksheet
Why you might want the Chase Sapphire Reserve® instead
How to apply for a U.S. passport
How much do index funds cost?
Managing expectations
Will Biden pursue a Plan B for student debt cancellation?
Best for shows: Planet Hollywood
More about Protective life insurance
U.S. Bank Shopper Cash Rewards™ Visa Signature® Card
Where Aflac stands out
Small bank loans
How long you can receive home health services
Get more help with monthly budget planning
Choose your payment method
Tips to find cheap flights any day of the week
If you have FFELP loans
Eliminate mortgage insurance
Redeem for all-inclusive properties whenever possible
Other popular ways to make money in one hour usually come with a catch
3. You can earn a bonus when you open an Upgrade checking account
How did they determine the value of Marriott Bonvoy points?
How much compound interest can you earn on $10,000?
2. Solo 401(k)
How to get a refund from Frontier
Why should I open a bank account if I'm undocumented?
Can I get a bank account if I’ve been denied?
Should my child also use a debit card or banking app?
The bottom line
Who is covered?
Portfolio management: Things to keep in mind
Bonus: Freebies
4. Utilize an eSIM card
Why are writers striking?
4. Assets and additional applicants
See if promotional offers could offset the annual fee
Olympic National Park
Day trading rules and risks
Compare pricing between British Airways and Iberia, and transfer if needed
Do I have to keep paying my student loan if my parent or spouse dies?
How to upgrade to premium class
How to invest in dividend stocks
What causes Treasury bill rates to fall?
Step 3: Choose your lender and loan
9. Borrow against life insurance
How much does a home inspection cost?
Integrations with accounting software
9. Go for a walk
OpenSky® Secured Visa® Credit Card
What happens when you move to a high-risk area
SoFi drops lawsuit to end forbearance early
Capital gains tax rates 2023
Fresh Start benefits available now — without enrolling
I don’t need no stinking badge
Another option: Build a CD ladder
Do pot stocks deserve a spot in your portfolio?
When are New York state income taxes due?
Optional coverages
What Spot pet insurance covers
How do I invest my SEP IRA?
Should you claim early Social Security benefits?
How to get gap insurance
How to invest in the S&P 500
The downsides of a credit card product change
Other coverage options
How to use their car lease calculator
How to choose the best savings account
What did the payment pause do?
Do I pay taxes when I cash in savings bonds?
5. Don’t expect a sign-up bonus or introductory APR
3. Work with your creditors
6. Shop AmEx Offers to earn money back for your spending
9. Medical expenses deduction
The particular risks of neobanks
5. See if Southwest will pay for your alternative travel arrangements
4. Student credit cards
6. Sell digital products and downloads
How to choose a rent-reporting service
Where's my amended refund?
Look for savings
Today’s rates for specific kinds of mortgages
RetailMeNot
How much does a Southwest flight upgrade cost?
Why you may not want to book last-minute
What affects your flood insurance cost?
Net investment income tax
6. Write online reviews
How to get an apprenticeship
Categories from previous years
How to make the switch
Top travel insurance options for older adults
5. Are these discounts different than what nonmilitary travelers might find on Priceline?
How to cope with downgrades
How to invest in a Roth IRA
Wingstop franchise costs
Most popular cash back card reviews
Finding JetBlue award availability
Fees are a larger concern
More about Fabric
5. Fund your FSA
How to book rental cars on Orbitz
What you need
What happens to the cash-back rewards from my TrueEarnings® Card from Costco and American Express?
More about State Farm life insurance
Why should I still submit the FAFSA?
Beware of real financial risk
More about Guardian Life insurance
Home equity loan rates in 2023
How has the value changed over time?
What states are increasing minimum wages?
How much to keep in your savings account
Is a backdoor Roth IRA worth it?
How to evaluate dividends
Downsides to upgrading the Chase Sapphire Preferred® Card to the Chase Sapphire Reserve®
Alternatives to canceling
4. Mileage deduction
How do I send, request and receive money in Zelle?
Original Medicare vs. Medicare Advantage: Cost
Is a wealth manager worth it?
4. Marriott points expire after 24 months
BNPL may be hiding additional debt
Use a credit or debit card to avoid manually doing a currency exchange
5. Provide reference letters
Brick-and-mortar banks preferred choice for many over online-only
When do I start accruing interest?
Basic cell phone plans
What do closing costs include?
Consider your legal options
Colonial Penn customer complaints and satisfaction
4. You may get first dibs on merchandise ...
Are Walmart MoneyCenter services worth it?
Where Aflac falls short
Borrower enrollment by income-driven repayment plan
What’s the difference between the Dow Jones Industrial Average and the S&P 500?
Don’t have to file a tax return? There’s a big reason you might want to do it anyway
G
Should I do a balance transfer?
How to get a home equity line of credit
Find a bank that suits your needs
Reviewing the results
What Lemonade pet insurance covers
John Hancock complaints and customer satisfaction
How to keep a Texas speeding ticket off your record
7. Put your money in a MaxSafe account
Other things to consider
HELOC uses that are seldom recommended
Is United’s basic economy worth it?
What the NFIP won’t cover
Lifelong lessons
What to do if you bounce a check
Episode transcript
Alternatives to regular savings accounts
Paying the VA funding fee
Discounts
What resource do you wish you’d had when you were paying off debt?
Begin the recovery process
Booking award flights
Why did First Republic Bank fail?
4. Hire a medical bill advocate
Will death trigger a student loan tax bill?
The long straddle
Benefits to CD ladders
How long does it take to make money with DoorDash?
Can United miles be used on other airlines?
Pros and cons of investing in biotech stocks
Other partners worth considering
Chase checking account referrals: Up to $500 bonus
5. Contact the seller or visit a dealership
Is debt management the right option for you?
10. Use a credit card cash advance
How to claim the 2023 child tax credit
Deposit timing
10. Take a hike
Paying for a new car
Domestic vs. international fees
6. Confirm the check details and complete the deposit
Ways to earn money as a teenager
Auto loan preapproval vs. pre-qualification
4. Refinance to get rid of PMI
Communication and compatibility
What state has the highest gas prices?
Bull markets vs. bear markets
Amazon Rewards Visa Signature Card
5. Loyalty doesn't always pay off
Can you collect SSI and Social Security disability or retirement benefits?
The bottom line
Diversifying with index funds
Are home equity loans a good idea?
Standard deduction 2023 (taxes due April 2024)
What happens if my home is foreclosed?
Quick tips on avoiding Reg D related fees
6. Rebounding from bank account fraud
ARM vs. fixed: Tips for choosing
Cold wallets
10. Deduction for state and local taxes
5. Credit card rewards hardly outpace the free-to-join program
Trading in vs. other methods of selling
Lower your bills
6. The Centurion Black Card offers an unbelievable level of concierge service
When will the final decision come out?
Build your budget
Home appraisal process
U.S. Bank Cash+® Visa Signature® Card
RVshare: the biggest (and usually best) peer-to-peer RV rental company of them all
How are food prices tracked?
5. Get bonus points by booking via cash-back portals
6. Outside of travel deals, what else can American Forces Travel provide?
ONE VIP Visa Prepaid Card
Other cash back card reviews
Compare prices and services
Can you live off ETF dividends?
Determine your annual FSA contribution
Whom do I pay if I have a balance on my TrueEarnings® Card from Costco and American Express?
How long can you go without filing taxes?
5. Get help with saving for a down payment
How to complete the CSS Profile
What if I lose the cashier's check?
How lenders determine your factor rate
Ability to stay for free
4. Make biweekly payments
5. Flexible credit card options
4. How can I save?
4. Dave: Best for repayment flexibility
Venmo Credit Card
Call center service charge
Other costs for home sellers
Car rentals
How to handle these bills
How to reduce or avoid the federal estate tax
Could they be in an AI bubble?
How to get a refund on Alaska Airlines
The best time to lower your car payment
What does the payment pause do?
Do I have to pay New York state income tax?
How to invest in target-date funds
Best for accident forgiveness: Progressive
Interest rate
What is the stock market doing today?
Delta Comfort Plus
4. Stretching the budget to the breaking point
Where Colonial Penn stands out
The bottom line
Best for gambling: The Cromwell
How to renew your passport
Consumer complaints
Tips to make your kitchen island more affordable
How to refinance private student loans
7. Sell thrifted or vintage goods
Travel- and shopping-friendly features
The annual fee is not worth it if you ...
Why is my amended return taking so long?
Things to consider when shopping for term life
What to expect from the credit card fraud investigation
What is your advice for people in the LGBTQ+ community looking to build generational wealth?
How quickly do P2P payments post to the recipient's account?
How to obtain or renew a U.S. passport
How to pay lower taxes when selling stocks
6. Create a stockpile
8. Opt for an account with both FDIC and DIF insurance
What's your need for speed?
Why switching to economy could make sense
Gold investments and diversification
Working with a financial planner
5 types of employer-sponsored retirement plans
3. A CD ladder
What not to do
What companies are included in the S&P 500?
Covering weight loss drugs would be costly for Medicare
Tips to avoid being house poor
How to check in to a hotel without a credit card
A good decision today
How to apply with a Refer-A-Friend link
Should I refinance my car?
Estimating your car payment
How flexible are American miles?
Certificates of deposit, national average rate: 1.72% for one-year CDs
Watch out for scams
4. Consider a co-signer
11. Look for a payday alternative loan
How to choose between Original Medicare and Medicare Advantage
Contract periods
Gemini Credit Card
Multicurrency accounts: Another option
6. Offer to start out month-to-month
11. Ride a bike
7. Keep the check until it's processed
Search for individual tickets if traveling in a group
What savers and would-be savers can do
How student loan payments are applied
4. You could earn interest on your points
Important Treasury Bond Terms
What’s the filing deadline for my Massachusetts state income tax bill?
What’s the difference between S&P 500 index funds and S&P 500 ETFs?
More ways to take charge of your budget
How do you pick between the Chase Freedom Flex℠ and the Chase Freedom Unlimited®?
5. You can walk your dog
Key points to keep in mind
What does personal liability insurance not cover?
Upgrading with miles
More about Aflac
Investments for money you need in 2 to 3 years
H
What affects your credit score?
How do you claim the solar tax credit?
Does paying rent build credit?
Moving forward
What part of my income gets taxed by California?
Use points + cash wisely
Best life insurance company for online experience: Haven Life
More about John Hancock
7. Start a blog
4. Check your approval terms before the hard pull; use the card immediately after
What’s not deductible
Credit cards can get your money back
7. Why was American Forces Travel created?
NFIP flood insurance rates
How to file a Capital One rental car insurance claim
How flexible are Emirates Skywards miles?
Rental cars
What if I've set up auto-payments using my TrueEarnings® Card from Costco and American Express?
How long could the strikes last?
How did your debt journey affect your personal relationships?
What you can do to protect your family
How can you make more money with DoorDash?
What about pet insurance?
Alternatives to savings accounts
What if the Vrbo owner cancels your reservation?
Step 4: Gather loan documents
Tips for maximizing delayed flight compensation
What happens during a home inspection?
Taxes for rollover IRAs: 2 rules to know
Alternative wealth management services
How the lifetime gift tax exclusion works
What you don’t get in a no-fee card
Pick a savings goal
What about Tesla Insurance?
Other special types of CDs
Why are payments being recounted?
Become a marijuana stock investor
Step 2: Register your business
3. Run the numbers
Ready to get started?
No-closing-cost mortgages
Disadvantages of HSAs
What taxpayers need to know in 2022 and beyond
Where Colonial Penn falls short
5. ... But you won't want to carry a balance
Can I open a savings account online?
Consumer experience
11. Mortgage interest deduction
4. It earns rewards at certain merchants
6. Turn to trip insurance
8. Help other business owners set up online stores
Get organized for the next cycle
What to expect when you open your new account
Ease of use
Who counts as a qualified care provider?
Make more money
How to work with your servicer
Alternatives to a Southwest flight upgrade
The 50/30/20 budget calculator
How to buy physical gold
4. Klarna
Regional and state-based second chance checking accounts
Which card should you get?
How to find business class lie-flat seats on domestic flights
Negotiate if necessary
6. Subsidize your dependent care FSA
When debt consolidation isn't worth it
Next steps: Compare and apply
Ways to get the best home equity loan rates
5. See if you qualify for an income-driven hardship plan
Minimum wage increases
Average student loan amounts by debt type
How income tax brackets work
Is Alaska Airlines premium class worth it?
Finally: Calculate the break-even point
Next Steps:
How did they determine the value of United miles?
Are cryptocurrencies financial securities, like stocks?
6. Inspect and test-drive the car, if applicable
12. Take out a personal loan
Customer support
If you inherit or bequeath something, watch out for capital gains tax
5. When you stay a certain number of nights per year, you'll earn elite status
Consider a credit assist for your college-age kid
7. Get a co-signer or a roommate with strong credit
How to get a preapproved car loan
Know your rights
Download the 2023 W-4 form
4. Using the United MileagePlus X app
What's next?
How to choose the best ESG funds for you
5. Opt for economy cars
SEP IRA vs. Roth IRA
Where Bank of America business checking stands out
Cheapest car insurance companies after a speeding ticket in California
How to renew a U.S. passport
How do I grow my home's equity?
Additional standard deduction
How can I survive foreclosure?
Start planning for repayment now
4. Seek help through debt relief
Customer experience
Uses for a bank loan
How much can you borrow?
Keep your options open
What do P2P payments cost?
4. Explore opportunities for increasing income
6. Roll the dice with prepaid room rates
How to claim the mortgage interest deduction
3. Get disability and life insurance
What are the Roth IRA rules?
Pros and cons of softsided luggage
DIY vs. pro
Alternatives for paying down a credit card balance
How to invest in dividend ETFs
Premium checking accounts
Consumer complaints
After you apply
How do I manage my account online or set up automatic credit card payments from my bank?
Caveats
Why did Silicon Valley Bank fail?
5. Pay off capitalized interest
6. Personal loans
Downsides to CD ladders
Bank of America® Premium Rewards® credit card
State tax department phone numbers
Cons of infinite banking
Learn more about cash value life insurance
Goodbudget, for hands-on envelope budgeting
Cheapest car insurance after a speeding ticket: State Farm
Chase Business Complete Checking℠: $300 bonus offer
5. Retirement savings deduction
Unaccompanied minor fee
When to expect your child tax credit refund
Many Americans bringing financial anxiety into the new year
12. Sleep in the woods
Petal® 2 "Cash Back, No Fees" Visa® Credit Card
Downsizing to a cheaper car
Additional costs for international wires
Universal life insurance
Which card (or cards) should you get?
2023 capital gains tax calculator
Electronics
ETFs vs. mutual funds: Which is best for you?
How secure is PayPal?
Credit union loans
Best for having few customer complaints: Country Financial
What is stock market volatility?
Travel ID requirements for kids recapped
Avoid the student loan scammers
Ways to get the best USDA mortgage rates
What are the best index funds?
The bottom line
What to do if you can’t open a savings account
12. Gambling loss deduction
PayPal Cashback Mastercard®
5. Store credit cards
How to get a good credit score
More about term life insurance
Upside
What’s at stake for borrowers?
Budgeting or expense-tracking apps
Passport for a Caribbean cruise recapped
7. Use coupons strategically
Replacement cost vs. actual cash value: How to decide
What do home appraisers look for?
What else you need to know
Credit unions and banks that don’t require Social Security numbers to open an account
Do I have to pay Illinois state income tax?
Discover it® Miles
IRAs
Should I invest in an S&P 500 index fund or S&P 500 ETF?
Hotels
Should I pay a car loan with a credit card?
Swing trading vs. trend trading vs. buy and hold
What was your biggest hurdle you had to overcome?
How did they determine the value of American miles?
What is the median household income in the U.S.?
What to do with an old 401(k)
How to buy biotech stocks
How to upgrade the Chase Sapphire Preferred® Card to the Chase Sapphire Reserve®
13. Rent out a room
Food away from home
Other perks of holding a Southwest credit card
Should you make payments during the extension?
Choose a bank that meets your needs
Best-performing REIT stocks: August 2023
5. It offers some extra perks
Not a DIY project
What state has the lowest gas prices?
Stock market crash vs. correction
What is New York state's standard deduction?
Which insurance companies sell gap coverage?
What's next?
How to use the car lease calculator's results
Chase Freedom Flex℠
More passport management tips
Use a trifecta
J
Does the solar tax credit work with other incentives?
8. Game on Twitch
5. Available to those with fair credit
How food prices have changed over time
How to get a National Flood Insurance Program policy
How to get IHG Ambassador status
How did NerdWallet determine the value of Skywards miles?
7. Rock your HSA
Consumer experience
Tips for booking travel on Orbitz
What are the basic facts about Costco Anywhere Visa® Card by Citi?
How much does homeowners insurance cost in Mississippi?
Cashier’s check vs. certified check vs. money order
6. Try negotiating costs on your own
Buddha back in action
5. MoneyLion: Best for existing customers
Ways to get a good deal on Vrbo
How to open a brokerage account
Ways to build your credit
13. Gaze at the stars
How to freeze your child’s credit
How to adjust your W-4
Power and lighting
Amazon Store Credit Card
4 things to know about Massachusetts state tax
For the uninsured
Are Marriott PointSavers the best use of Marriott points?
Looking for value with less fuss? Go with the Chase Freedom Unlimited®
6. You may score a free massage
How to get financing to open a laundromat
More about Colonial Penn
Avoid these less valuable redemptions
Is getting a personal loan a good idea?
13. IRA contributions deduction
9. Develop a Shopify app or theme
How much does it cost to refinance a mortgage?
Next steps
Close your old account, if needed
Don’t be afraid of debt relief
First-time home buyer programs near Illinois
Am I a resident for California state tax purposes?
What if I can’t find my amended tax return status?
If you’re debating when to book your hotel
7. AmEx offers Centurion cardmembers exclusive perks
The bottom line
FamZoo Prepaid Card
Shopify vs. BigCommerce: Which is right for your business?
Anticipate extra costs
Pros and cons of personal loans
How to fast track to Globalist status
VA funding fee vs. mortgage insurance
Hyatt partnership with MGM ends
How much can you borrow with a home equity loan?
Homeowners insurance part of a bundle?
What is the gender pay gap?
Should I stay in an Airbnb or hotel?
7. Alternative 'quick cash' options
Alternative CD ladder structures
Watch out for IRS phone scams
More on WebBank
Prepare for the holidays with a debt payoff strategy
Why you might pass on the Apple Card
Other ways to cut wire-transfer costs
Know that online-only banks are a secure option
Earn more with loyalty
The cons of the American Airlines loyalty program
If you want to buy Disney tickets for cheap
Why Visa and Mastercard rates are different
Still want a 401(k) loan?
Days in the cycle
When is the new IDR plan available?
SIMPLE IRA vs. SEP IRA
Can you get rich off penny stocks?
5. It has no upgrade path
7. Cancel other prepaid reservations
So which is better, Robinhood or Coinbase?
Additional child and dependent care credit requirements
See if zero-based budgeting is right for you
Play the peak/off-peak game (harder)
Steps for getting into a hardship program
What credit cards include Southwest upgrades?
You don’t need to have $10,000 to take advantage of compound interest
7. Strike up a deal
What's the difference? Financial planner vs. financial advisor
Consider travel insurance
The bottom line
TRAVEL CREDIT CARDS
Hold JetBlue awards while you transfer miles
Why the delay
The long strangle
6. Stick to the standard repayment plan
Step 5: Submit your application and get funded
5. Find the right lender
If you're considering an upgrade from the Chase Sapphire Preferred® Card to the Chase Sapphire Reserve®
Steps to safely cancel a credit card
7. Determine which warranties are right for you
Pet travel fee
Movies, theaters and concerts
Consequences of a child tax credit error
Should you invest in AI stocks?
Credit card interest rates are up and may go higher
14. Listen to music
Signs you don't need a car
Weather-battered places may become uninsurable
How to rebook quickly for a canceled flight
How did they determine the value of Capital One miles?
Fresh Start benefits available later — after enrolling
Learn more about sector ETFs:
What will count toward IDR forgiveness?
Benefits of co-signing a loan
Disadvantages of franchising for the franchisee
Am I a resident for New York state income tax purposes?
Best for financial strength: Auto-Owners
Seller-paid closing costs
6. Stick to one driver
How do you invest in the stock market?
What’s not covered
The bottom line about JetBlue flight delay compensation
Standard deduction for dependents
What to do if your W-2 is wrong
The bottom line
Where Lemonade stands out
14. 401(k) contributions deduction
Investments for money you need in 3 to 5 years
Mutual fund fees
L
National first-time home buyer programs
Best life insurance company for applicants with HIV: Guardian
How to get a commercial loan
What are some of the financial hurdles LGBTQ+ couples may face as they're planning to grow their families? How would you advise preparing for those hurdles?
Explore other expense trackers
9. Sell photography
8. Start with 10 coupons
Closing costs for the buyer
How to confirm if a flight has business class lie-flat seats
The decline of strikes in the U.S.
Add it all up
How to manage your own portfolio
Are there drawbacks to investing in the S&P 500?
5. Pay for an international plan add-on
What kinds of rewards will I earn with the Costco Anywhere Visa® Card by Citi?
Any thoughts for those who may be struggling with splitting needs versus wants?
Compare auto insurance rates for 35-year-olds
Are NFTs cryptocurrencies?
6. Self-employment taxes as self-employment tax deductions
14. Moonlight as a dog sitter
What's included in a home inspection report?
6. You can earn points and elite status faster with a Marriott Bonvoy-affiliated card
Types of halal investments
Can you use a Southwest card anywhere?
Do you pay taxes when you receive a gift?
Tips for calculating how much life insurance you need
Best-performing REIT mutual funds: August 2023
Capital gains tax rates 2022
Prepaid cell phone plans with limited data
PayPal vs. Venmo and Cash App
Lodge a student loan complaint
How long will you wait for a U.S. passport?
How much renters liability insurance do you need?
Paid upgrades
How can I improve my chances of getting approved?
6. Credit cards for fair or limited credit
10. Become a Shopify Affiliate
Perks and other offers
How to save on flood insurance
When to hire an investment manager
5. PayPal
Home inspection vs. appraisal
3. SEP IRA
8. Optimize for low-cost options by booking with OTAs
Student loan servicer switches
8. See if you’re eligible for the earned income tax credit (EITC)
How much is renters insurance in California?
The bottom line
Find the best homeowners insurance in your state
Summary of medical debt payoff options
Are these the best dividend stocks?
Where to find the best savings accounts
Cheapest car insurance after an accident: State Farm
If you need to cancel an Alaska Airlines flight
15. Make some music
Make the switch, if necessary
Risks to consider
Who shouldn’t buy non-owner car insurance
The importance of diversification
How much does gap insurance cost?
If you want to use Marriott PointSavers rewards ...
15. Saver’s credit
How to claim the child and dependent tax credit
If you're weighing the cost of the Chase Sapphire Reserve®
The bottom line
8. Yes, you can buy a mansion or a private jet on a Centurion Card
How does the hearing affect the student loan payment pause?
Final thoughts on adding benefits to a Basic Economy ticket
How to earn more interest in a savings account
You can buy gold, but should you?
Learn more
If your Frontier flight is canceled
Roth IRA vs. traditional IRA: What's the difference?
Am I a resident for Illinois state income tax purposes?
Tip: Consider all of your JetBlue-Emirates redemption options
Are interest rates fixed on savings and checking accounts?
Best for poor credit
Getting a refund for your funding fee
Average cost of homeowners insurance in Mississippi by city
North Cascades National Park
How can I avoid cashier's check fraud?
How has your life changed for the better since you got out of debt?
Home equity loan requirements
Why did Signature Bank fail?
Money market accounts, national average savings rate: 0.63%
What to know about Chase checking account bonuses
15. Become a rideshare or delivery driver
If you’re planning to travel in 2023…
What Americans can do
Is a Southwest credit card right for you?
What can trigger a gift tax return
Upgrade Cash Rewards Visa®
When to get a credit freeze
Variable life insurance
Best-performing U.S. REIT ETFs: August 2023
Which card should you get?
Your W-2 information is not a secret
How to invest in alternative investments
Where Lemonade falls short
What is the average and median retirement savings?
8. Get coverage for lost baggage
SoFi Credit Card
Current HELOC rates
How to find the best refinance rates
Ibotta
10. Pet sit
9. Track your savings
General-purpose travel card reviews
Capital One car rental coverage, recapped
Where State Farm stands out
Will I get travel and purchase protections with the Costco Anywhere Visa® Card by Citi?
How much does homeowners insurance cost in North Carolina?
Finding a car you can afford
Things to consider
7. Use 'found' money
6. SoLo Funds: Best for peer-to-peer cash advances
Other ways to sell clothes online
Brokerage accounts vs. IRA
What are the disadvantages of sole proprietorship?
Chase transfer partners to avoid
How does Alaska fees compare to other airlines?
HOTEL CREDIT CARDS
Can you contribute to a rollover IRA?
State child tax credits
16. Make something
Term vs. whole life insurance tool
Methodology
Step 3: Secure startup funding
4. Keep these things in mind
Payment plans for monthly expenses
Best for discounts: Amica
7. Use your own insurance
What's next?
Credit cards and elite status can improve your overall experience
If you want to visit an airport lounge in JFK's Terminal 5
Guest upgrades
Applying for a loan from a bank
16. Health savings account contributions deduction
M
7. Unsecured cards for bad credit
Tips for making money on Shopify
Identify room for change
Lemonade coverage options
Savings and discounts for hotel rooms, recapped
Alternatives to FEMA flood insurance
Paying for it all
Exclusive invitation: IHG Royal Ambassador Status
4 types of IRAs
VA funding fee isn't the only closing cost
If you’re collecting Marriott elite night credits
MGM-Marriott partnership recapped
The bottom line
Prime Visa
8. Negotiate the best price
Gemini Credit Card
16. Cut your insurance premiums
Cheaper ways to send money
Start planning for repayment now
Types of gas
Amazon Secured Card
Does co-signing a loan build credit?
Who can sign up for the new repayment plan?
Spot coverage options
Willing to spend time to maximize rewards? Go with the Chase Freedom Flex℠
If you want to go to Hawaii …
The bottom line
What is my 2022 standard deduction?
Discover it® Cash Back
Can you lose money in mutual funds?
More about these cards
9. You can get many of the Centurion Card's perks from The Platinum Card® from American Express
More about the influencers
11. Freelance
Is investment management a good career?
Getting a home appraisal report
Citi Custom Cash® Card
Greenlight Prepaid Mastercard
Frequently asked questions
When to consider Global Entry instead
Could I lose my money in a checking or savings account if the bank fails?
Accept that awkward money scenarios are inevitable
9. Give it away
If you're looking for the best way to use your cell phone abroad
What are my other options if I don't want the Citi card?
Recap: How to get a cashier's check
NerdWallet home insurance calculator methodology
CD ladder alternative for more risky investments
Pros and cons of cryptocurrency
How much money can you make on YouTube?
Cards with primary coverage
17. Learn a new skill
Cons of a credit freeze
REITs' average return
Will Parent PLUS loans qualify?
Take advantage of travel benefits
Why a financial advisor's fee structure matters
17. Self-employment expenses deduction
Other key student loan changes underway
A resurgence of strikes in the U.S.
Illinois state sales tax
Portfolio management vs. wealth management
Where State Farm falls short
The cheapest home insurance in Mississippi
How do you manage your debt today?
Are home equity loans a good idea?
EveryDollar, for simple zero-based budgeting
Best ways to earn Chase points
7. Business insurance premium deduction
Child tax credit vs. child and dependent care credit
If you're considering a Southwest credit card
Last-minute flight deals are out there
2022 capital gains tax calculator
Where Bank of America business checking falls short
Alternatives to gap insurance
Lemonade vs. competitors
Mutual funds: The bottom line
N
Bottom line: Is it worth claiming the child and dependent care tax credit?
Best life insurance company for consumer experience: Northwestern Mutual
What should borrowers do while they await a final decision from the Supreme Court?
How much does homeowners insurance cost in Washington?
Cheapest auto insurers after a speeding ticket in Texas
Protections: Peace-of-mind benefits
Wingstop franchise pros and cons
Capital One VentureOne Rewards Credit Card
Retirement accounts for small-business owners and self-employed individuals
What’s happening with Silvergate Capital Corp.?
Another way to save: Refinance to a shorter term
Your perfect ladder
The bottom line
There's no reason not to join if you stay at Marriott hotels
18. Exercise
Pros of investing in REIT stocks
How to set up PayPal
Best for customer satisfaction: State Farm
8. Forgo the extras
Should you refinance your business loan?
18. Home office deduction
What do these numbers tell?
9. Have a backup plan for your backup plan
Getting the best HELOC rate
Refinancing a mortgage, step by step
Restrictions and waiting periods
6. Sezzle
Home shopping tips
If you're considering JetBlue Mint
Should I have my checking and savings accounts at the same bank?
What to know about California renters insurance
The future of blockchain technology
Average cost of homeowners insurance in North Carolina by city
Why is day trading harder than passive investing?
The synthetic long
Alternatives to infinite banking
How to sell clothes online
Cheapest car insurance after a DUI: State Farm
17. Consolidate your debt
What is the $500 credit for other dependents (ODC)?
Credit freeze or credit lock?
Ways kid creators can earn online
Compare the income-driven plans
Restrictions and waiting periods
What is the normal fee for a financial advisor?
What is the perfect credit score, and how many people have it?
A Southwest flight upgrade will get you on board faster
12. Create a podcast
Why is investment management important?
If you're looking to book business class lie-flat seats
State Farm vs. competitors
What are your financial goals now?
What happened to Credit Suisse?
What is a marginal tax rate?
7. Klover: Best for no-fee advances
9. Maximize trade-in value, if applicable
Cards that earn American Express Membership Rewards points
American Express add-on coverage
How to get cheap Southwest flights when rebooking
19. Have a potluck
Discover it® Secured Credit Card
Capital gains tax rules and considerations
Cell phone plans for international use
Will my servicer know if I qualify?
Card rates are on par with market rates
2022 vs. 2023 standard deduction
Supplement rewards with a second credit card
Cash-back cards to carry while traveling in the U.S.
19. Educator expenses deduction
P
Dosh
Shopping protections
The bottom line
10. Keep a file of your medical expenses
What to know about Mississippi homeowners insurance
The difference between interest rate and APY
Are Chase bonuses worth it?
Earn an audience, and earn more in the long run
History of the child tax credit
Burial insurance
Cons of investing in REIT stocks
W-4 withholding calculator
Why are California gas prices so high?
Other ways to make money
Alternatives to bank loans
Stock market crashes in history
Invest in bonds: next steps
Other ways to cover gender-affirming care costs
What you can learn from the average 401(k) balance
10. You can get better rewards on many other cards
Discounts
Average cost of homeowners insurance in Washington by city
If you don't want to pay to get or renew TSA PreCheck
Airline credit card reviews
How to get a personal loan
Ask for a product change to a no-annual-fee card
The cheapest homeowners insurance in North Carolina
8. Office supplies deduction
18. Refinance your student loans
20. Do something productive
How to protect your credit if you co-sign a loan
9. Price out prepaid gas
Discounts
Why not both?
20. Solar tax credit
Fidelity® Rewards Visa Signature® Card
Is getting a HELOC a good idea?
What is California's standard deduction?
13. Become a rideshare driver
4. SIMPLE IRA
Final thoughts on the different United economy fare classes
Walmart MoneyCard
What is the racial wage gap?
Learn more about cash value life insurance
Cryptocurrency legal and tax issues
STORE CREDIT CARDS
Who can access frozen credit reports?
Investing in REITs: How to get started
Step 4: Obtain licenses, permits, and business insurance
Amazon business credit cards at a glance
What's the easiest way to invest responsibly?
Best for membership perks: AAA
Other changes to income-driven repayment ahead
Compare business checking accounts
If you’re considering an upgrade to Delta Comfort Plus
Find the right business loan
Related articles
PayPal Cashback Mastercard®
S
10. Be patient and kind
Potential hurdles and drawbacks of a hardship program
What to expect: Upcoming projects
Why trade options?
How do I start day trading?
Are paid surveys worth it?
10. Make the purchase
19. Change your cell phone plan
It pays to know
Apparel and shoes
21. Host a yard sale
Where to buy non-owner car insurance
4 common W-4 questions
Alaska Airlines upgrades recapped
What does travel insurance cover?
Bonus: Electric vehicle tax credit
California state tax credits
Best life insurance company for coverage amounts: New York Life
5 retirement plans for the self-employed and small-business owners
11. Consider selling those dogs weighing down your portfolio
Should I choose a home equity loan, HELOC, or cash-out refinance?
Are other banks are in trouble?
United℠ Explorer Card
Other ways to make money
What if I had delinquencies or a student loan in default?
10. Walk or ride
Consumer experience
When to claim the standard deduction
Frequently asked questions
The cheapest home insurance in Washington
Related articles
7. Zip
Store cards
Final thoughts on Hyatt club access
What to know about North Carolina homeowners insurance
Compare car insurance rates for drivers with a DUI
If you're considering the Capital One Venture Rewards Credit Card
8. Chime: Best for overdraft protection
Cheapest auto insurance for poor credit: Geico
Avoid risky loans
Methodology
22. Engage with your community
Will people migrate due to climate change?
Tips for making money as a kid
Why insuring a Tesla is so expensive
Summary of the best car insurance companies
T
14. Tutor
Hardsided vs. softsided luggage weight
What is an effective tax rate?
Empower Personal Wealth, for tracking wealth and spending
Redeeming through the Ultimate Rewards® portal
Mission Lane Visa® Credit Card
Does the president control gas prices?
Exchange rates as a credit card feature
Amazon Business Prime American Express Card
What is New York City's tax rate?
Private student loan refinancing options
How to choose the best annual travel insurance policy
Disadvantages of a home equity line of credit
Receipt Hog
Travel protections
Hotel credit card reviews
Consider if you will be able to get the card back
Should I take my money out of the bank?
How the FDIC calculates national rates
Your decision: Is cryptocurrency a good investment?
9. Credit card and loan interest deduction
More resources on investing
What's next?
Is the AAdvantage loyalty program right for you?
Don’t expect new defaults for awhile
How does this fit in with other student debt relief?
Alternatives to co-signing a loan
Lending circles
Methodology
What are tax deductions?
The bottom line
12. Get the timing right
Adding another park to your trip
What is the LGBTQ+ gender or gender identity pay gap?
How to get into a lower tax bracket and pay a lower federal income tax rate
Alternative models to start a wine business
Other types of life insurance
Types of FHA loans
FHA vs. conventional loans: Summary
Step 5: Promote your business
Advantages of franchising for the franchisor
Is Lemonade home insurance right for you?
What's next
Additional tips: Compare and plan
What to know about Washington homeowners insurance
15. Rent out items
Costs and economic considerations
Summary of cash advance apps
So, is Vrbo legit?
How to avoid, reduce or minimize capital gains taxes
How much is non-owner car insurance?
Investing
U
Which cities and counties have pay transparency laws?
What to know if you take online surveys
Consulting niches to consider
Spot vs. competitors
Best life insurance company for permanent life insurance: Pacific Life
What determines California renters insurance rates?
Are they in a recession?
Pros and cons of loan apps
If you want to transfer Chase points
More resources
The bottom line
Other home insurance companies to consider
Alternatives to a credit card hardship program
Lemonade vs. competitors
Best stocks for beginners
Low-fee alternatives to prepaid cards
10. Phone and internet costs deduction
How to find additional student loan help
If you want to buy annual travel insurance
Compare buy now, pay later apps
Credit cards for other travel brands
Frequently asked questions
OTHER CREDIT CARDS
Prosper® Card
Different types of life insurance by underwriting
The bottom line
Rakuten
Alternatives to commercial business loans
Should you buy stocks or bonds?
Will closing the card leave you with "orphan" miles?
Tax brackets and rates for 2012-2021
SoFi Credit Card
Family loans
What are tax write-offs?
Should you use a buy now, pay later app?
5. Defined benefit plan
The best way to pay
6 things to know about New York state income tax
Quick start guide: How to invest in index funds
Other renters insurance companies to consider
Cash-back cards to carry while traveling abroad
Cheapest car insurance for young drivers
Amazon Business American Express Card
California state sales tax rates
Other life insurance options for seniors
Mississippi insurance department
Are they headed for a depression?
Tax brackets and rates for 2012-2020
2019 Federal Income Tax Brackets
2018 Federal Income Tax Brackets
2017 Federal Income Tax Brackets
2016 Federal Income Tax Brackets
2015 Federal Income Tax Brackets
2014 Federal Income Tax Brackets
2013 Federal Income Tax Brackets
2012 Federal Income Tax Brackets
Tax tools
PocketGuard, for a simplified budgeting snapshot
11. Business travel and meals deduction
Tips for the future
How a HELOC affects your credit score
Best life insurance company for customer satisfaction: State Farm
The bottom line on investing in stocks
Home purchasing tips
Other options
The bottom line
Compare auto insurance rates for drivers with poor credit
Frequently asked questions
Is anywhere really safe to live?
Mortgages
How do you claim tax deductions?
What's next?
North Carolina Department of Insurance
More tax articles
Step 6: Know your responsibilities as an employer
6 things to know about California state tax
Frequently asked questions
Other cash-back apps to consider
The store card competition at a glance
Cruise America: consider it the big box store of RV rentals
OTHER REWARDS CREDIT CARDS
Capital One QuicksilverOne Cash Rewards Credit Card
FHA loan limits
Methodology
Alternatives to the best whole life insurance
What to do if you can’t keep up with your HELOC payments
More about buying life insurance as a senior
The upside down: When debt and equity roles reverse
Frequently asked questions
Best prepaid debit cards: Summary
Closing costs for the seller
Looking for more insurance in North Carolina?
Cash advance apps
Shopkick
The bottom line
12. Start-up costs deduction
Is it better to get a home equity loan or line of credit?
What are prepaid debit cards?
Most popular
Other notable options
Are cash advance apps payday lenders?
Final thoughts
CoinOut
Cheapest car insurance for senior drivers
How to make money from home
The bottom line
Which Amazon credit card is best for me?
More about whole life insurance
Disadvantages of franchising for the franchisor
Washington insurance department
Others
The bottom line
Beauty and personal care
How to apply for an FHA loan
Swagbucks
Best life insurance company for military members: USAA
More about top-rated life insurance companies
Where to open a retirement plan if you’re self-employed
Which type of life insurance should you get?
Why you might want a travel credit card instead
Alternatives to cash advance apps
Honeydue, for budgeting with a partner
Other borrowing options
13. Advertising deduction
ALTERNATIVES TO BARCLAYS' PROPRIETARY CARDS
Capital One Platinum Credit Card
Looking for more insurance in Washington?
Alternatives to buy now, pay later
Major issuers and their policies on instant credit access
Credit cards do cash back too
Prepaid debit cards vs. regular debit cards
The best life insurance companies in August 2023
Pawn loans
California Department of Insurance
Pros and cons of FHA loans
More about top-rated life insurance companies
How they picked the apps
Cheapest car insurance by state
Looking for more insurance in California?
14. Memberships deduction
Best term life insurance companies of 2023
BALANCE TRANSFER AND 0% CREDIT CARDS
Personal loans
AvantCard Credit Card
How to find the best car insurance
Other home insurance companies to consider
Best whole life insurance companies of 2023
Compare car insurance rates for drivers with an accident
Fudget, for budgeting without syncing accounts
15. The qualified business income deduction
Ways to get the best FHA mortgage rates
The final word
Best no medical exam life insurance companies of 2023
How to get cheap car insurance
Best travel insurance for older adults recapped
Other ways to earn American Express Membership Rewards points
Different types of car insurance
Entertainment
Blue Cash Everyday® Card from American Express
How to choose the best life insurance company
Outdoorsy: a hit and miss RV, peer-to-peer rental platform
How to make money offline
Student loans
The bottom line
STORE AND RETAILER BRAND CREDIT CARDS
Budgeting resources from NerdWallet
The fine print
Most popular retailer brand credit cards
Get your free birthday stuff and deals
Capital One Venture Rewards Credit Card
Other retailer brand credit cards
Why is car insurance so expensive?
Taxes
How to choose a startup idea
How to compare car insurance quotes
Methodology to identify the best budget apps
More about top-rated life insurance companies
Apple Card
Travel rewards
Car insurance costs by state
The bottom line
CREDIT BUILDER CREDIT CARDS
Is it OK to invest during uncertainty?
How to compare renters insurance
Secured credit card reviews
Venmo Credit Card
Unsecured credit builder card reviews
How to choose the best investments in 2023
How much does it cost to rent an RV?
The best renters insurance policy for five common scenarios
How to start a profitable business
COLLEGE STUDENT CREDIT CARDS
How to choose an online business idea
Do you need insurance for an RV rental?
Should I consider buying an RV vs. renting one?
SMALL BUSINESS CREDIT CARDS
Most popular small business card reviews
Other small business card reviews
Find the best cheap renters insurance in select states
How to choose an insurance company
Reasons to buy a business
DEFUNCT OR UNAVAILABLE CREDIT CARDS
The bottom line
Compare car insurance companies
Watch out for making money scams
How to find the best home insurance policy in five common scenarios
How to compare homeowners insurance
Find the best homeowners insurance in your state
Learn more about personal finance
How many banks have collapsed?
Three U.S. banks have collapsed so far: Silicon Valley Bank on March 10; Signature Bank on March 12; and First Republic on May 1.
Bank failures are fairly rare. Prior to the collapse of Silicon Valley Bank and Signature Bank, there had not been a bank failure since Kansas-based Almena State Bank on Oct. 23, 2020. Since 2001, there have been 563 bank failures, according to the FDIC.
The failures of SVB and Signature Bank prompted panic among depositors with large accounts since deposits are only FDIC-insured up to $250,000.
Following the failures of Silicon Valley Bank and Signature Bank, the U.S. Treasury Department, the Federal Reserve and the FDIC said on March 12 that depositor’s accounts would be safe. The Deposit Insurance Fund, which is composed of fees assessed on financial institutions as well as interest on government bonds, would foot the bill.
“Let me be clear: The government’s recent actions have demonstrated their resolute commitment to take the necessary steps to ensure that depositors’ savings and the banking system remain safe,” Yellen said in her statement on March 21 to the American Banking Association.
Why did First Republic Bank fail?
First Republic is the latest bank to fail. First Republic was sent to the Federal Deposit Insurance Corporation for receivership on May 1 and was purchased by JP Morgan Chase Bank the same day.
JP Morgan Chase Bank will assume all deposits and assets of First Republic, and its 84 offices in eight states reopened on May 1 as branches of JP Morgan Chase Bank. First Republic customers should continue using their existing branch until JP Morgan Chase notifies them that other Chase branches are available to process their accounts.
As of April 13, First Republic had about $229.1 billion in assets and $103.9 billion in total deposits. The bank had been troubled in the aftermath of two bank failures in March. It received a lifeline of $30 billion from 11 of the nation’s largest banks on March 16, in an effort to suppress the failure of another bank and quell fears of further contagion. On April 24 the troubled bank reported dismal first-quarter results, including a $100 billion decline in deposits. As of end of day on April 28, First Republic's stock price had fallen 95% since the two bank runs rocked the financial system in March.
The cost of resolving First Republic Bank’s failure will cost about $13 billion from the FDIC’s Deposit Insurance Fund. FDIC and JP Morgan Chase entered a loss-share transaction — the FDIC absorbs some of the loss on certain assets sold to a purchaser of a failing bank — on multiple types of loans it purchased from First Republic including family, residential and commercial. The FDIC wrote in a press release that the transaction should minimize disruptions for loan customers.
Why did Silicon Valley Bank fail?
Silicon Valley Bank was the bank of choice for startups, venture capitalists and tech companies. It was the second-largest bank failure in U.S. history.
SVB’s failure was due to a bank run. On March 8, SVB’s CEO Greg Becker sent shareholders a message indicating that it had lost $1.8 billion on the sale of U.S. treasuries and mortgage-backed securities. In response, depositors withdrew $42 billion of their money quickly and by March 10, the bank failed. The FDIC announced the same day that it had taken over and established the new Deposit Insurance National Bank of Santa Clara, which later became Silicon Valley Bridge Bank N.A.
On March 26, the FDIC announced First Citizens would purchase the loans and deposits of Silicon Valley Bridge Bank.
On April 28, the Federal Reserve released a self-condemning exam of Silicon Valley Bank’s collapse. The report, which Fed Vice Chair for Supervision Michael S. Barr called “unflinching,” highlighted its own shortcomings and neglect in identifying problems with SVB. The review blamed the bank’s failure on a mixture of SVB management, the rollback of banking regulations under the Trump administration and blunders in the Fed’s supervision of the bank.
In particular, the report found supervisors were operating too slowly to remediate the bank’s problems once they were identified. The exam revealed that at the time of SVB’s collapse it had 31 unaddressed supervisory warnings — three times the number of red flags raised to other banks of its size. It also provided suggestions for fixing weaknesses in order to prevent failures in the financial system.
Why did Signature Bank fail?
On March 12, New York state regulators closed Signature Bank, a lender serving real estate firms, law firms and the cryptocurrency industry. Like SVB, it also collapsed due to a bank run. The FDIC took over the same day and established a new Signature Bridge Bank N.A.
On March 20, a subsidiary of New York Community Bancorp known as Flagstar Bank agreed to buy the loans and deposits of Signature Bank.
On April 28, the FDIC released its own exam of Signature Bank’s failure and found poor management was primarily to blame for its collapse. It specifically called out management’s pursuit of rapid growth while neglecting to practice appropriate risk management. The report further found shortcomings in the FDIC’s own oversight of Signature Bank saying it could have moved faster in supervisory actions, but blamed “resource challenges with examination staff” that affected delivery of actions.
What’s happening with Silvergate Capital Corp.?
Another failure is on the way, though its closure is less dramatic. Silvergate Capital Corp., which like Signature Bank served the crypto market, announced plans on March 8 to wind down its operations and liquidate its assets. On March 20, the bank said in an SEC filing that its president had been laid off and that it needed more time to complete a 10-K form, which the New York Stock Exchange required for its listing standards.
What happened to Credit Suisse?
At the time of Silicon Valley Bank’s failure, Credit Suisse was on the fast track to collapse following years of missteps and shake-ups. Its turmoil accelerated on March 15 when Saudi National Bank's then-Chairman Ammar Al Khudairy told news outlets that it would not provide additional financial assistance to the bank. Saudi National Bank was one of Credit Suisse’s primary investors. Soon Credit Suisse’s stock price tanked and clients began to pull out their money. On March 16, Credit Suisse said it would borrow 50 billion Swiss francs (about $54 billion) from the Swiss National Bank in an effort to strengthen its liquidity.
The 167-year old Swiss bank is classified as one of 33 “globally systemic banks," according to the Financial Stability Board, an international body that monitors the global financial system. In colloquial terms, it’s one of the banks deemed “too big to fail.” The collapse of any of these globally systemic banks could have, as the name suggests, perilous domino-effect-like implications for the global financial system.
By March 19, Swiss president Alain Berset announced that Credit Suisse’s rival UBS would purchase the troubled bank. Berset called the deal the “best solution to restore confidence that has been lacking in financial markets recently.” However, bondholders will still lose all of their investments — totaling 16 billion Swiss francs or approximately $17 billion — according to the Swiss Financial Market Supervisory Authority, or FINMA.
Swiftly following the announcement that UBS would be buying Credit Suisse, the U.S. Treasury, U.S. Federal Reserve and the European Central Bank issued statements to reassure both the public and the markets that banking systems are strong and stable.
Are other banks are in trouble?
A March 2023 working paper by the National Bureau of Economic Research, or NBER, finds that recent bank asset value declines have made the U.S. banking system vulnerable. NBER finds 10% of banks with larger unrecognized losses than those at SVB and 10% also have lower capitalization than SVB.
The biggest difference between SVB and other banks was its disproportionate share of uninsured funding. But there is still fragility. The paper says, “if only half of uninsured depositors decide to withdraw, almost 190 banks are at a potential risk of impairment to insured depositors.”
Should I take my money out of the bank?
No. Your money is safe so long as your bank or credit union is federally insured. All deposit amounts for former account holders with Silicon Valley Bank and Signature Bank are also protected even if you had more than the federally insured $250,000.
In addition, the Federal Reserve Board announced it will safeguard deposits at all banks through the new Bank Term Funding Program. The fund is intended to provide additional sources of liquidity to banks in the form of up to one-year loans. It will have an initial $25 billion available to banks, savings, associations, credit unions and other eligible depository institutions that pledge U.S. Treasuries, agency debt and mortgage-backed securities as collateral.
Are they in a recession?
No, at least not yet. A recession is often the shorthand for “things seem bad in the economy,” but the actual definition is “a significant decline in economic activity that is spread across the economy and that lasts for more than few months,” according to NBER, which tracks business cycles and is the official scorekeeper of recessions.
Its data goes back as far as the mid-19th century. The most recent recession was technically February 2020 through April 2020 at the start of the COVID-19 pandemic.
NBER uses a set of economic indicators to determine business cycles and recessions in the U.S. These indicators include the number of employees; employment; industrial production; manufacturing and trade industries sales; real personal income; real personal consumption expenditures, or PCE; real gross domestic product, or GDP; real gross domestic income, or GDI; and the real average of GDP and GDI. They’re all available on a dashboard compiled by the Federal Reserve Economic Data, or FRED, the research arm of the Federal Reserve Bank of St. Louis.
However, recession fears remain high. Just because they aren’t in a recession now doesn’t mean one isn’t coming. As of January, the risk of a global recession this year is considered high, according to the World Economic Forum Chief Economists Outlook. As of early March, there is a 99% chance of a U.S. recession in the next year, based on a probability model by The Conference Board, a global nonprofit think tank.
Are they headed for a depression?
Unlikely. A depression is a severe recession marked by decreased demand, a significant fall in economic growth and production, high unemployment and stock market crashes.
The U.S. has only ever experienced one economic depression since the start of the modern industrial period: The Great Depression lasted from 1929 until 1941 during World War II, according to the Federal Reserve.
(Disclosure: NerdWallet also banked with SVB before its closure.)
Photo credit: Justin Sullivan/Getty Images News via Getty Images
|
|