Key takeaways Plan for success by building a business plan, putting together a budget and saving enough money to launch. Separate your business and personal finances by opening a business bank account and choosing business credit cards with useful benefits. Stay on top of your finances with…
Key takeaways Brand loyalty to certain credit cards or issuers can limit your rewards earning potential. Use multiple cards to maximize rewards rates, which might involve switching cards or using different cards for different types of spending. Understand the redemption options for each of your cards to get the most…
Key takeaways Both a line of credit and a credit card are types of revolving credit where you can borrow up to a certain amount and only pay interest on what you borrow. A line of credit typically has a lower APR and a higher credit limit than a credit…
Key takeaways Lying on a credit card application is fraud and can have serious legal consequences. You shouldn’t need to lie to qualify for a credit card because there are cards available for all types of financial circumstances, including for those with poor or non-existent credit, as well as for…
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Apple, FedEx and Oracle all got loans guaranteed by the Small Business Administration. But rules and red tape keep many…
While there has been much conversation on not buying from companies with poor diversity, little has been said about investing…
The Trump administration has been rapidly dismantling protections for student loan borrowers, leaving millions of Americans with diminishing options as…
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Key takeaways The typical mortgage payment doubled between 2020 and 2024, while today’s new homes are smaller than they have been in more than 10 years. Experts caution that home size isn’t always the best measure of value, especially in competitive markets with rising home…
Dept Managmnt
Key takeaways To pay off debt, you need to know how much you owe, how much you’re spending and where you can cut…
Banking
In my last column, I likened artificial intelligence to the wizard in “The Wizard of Oz.” It received a good reaction so I…
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Want to save more, pay off debt, and finally stop stressing about money? Budgeting is how you make it happen! Because when you tell your money where to go—instead of wondering where it went—you’re the one in control. And guess what? Budgeting doesn’t have to be overwhelming. I’ll walk you…
Mother’s Day is in just three days and according to the National Retail Federation, Americans will spend 34.1 Billion on Mother’s Day gifts this year. Wait, are trying to pay down debt or better manage your finances? You may not have enough room in your budget for a pricy gift.…
fcafotodigital/GettyImages Modified adjusted gross income, or MAGI, might sound like just more tax jargon, but knowing how to calculate your MAGI is key to determining your eligibility for several valuable tax benefits, including whether you can make Roth IRA contributions, claim education tax credits and more. The MAGI calculation starts…
No risk, no return! How many times have you heard that phrase or something similar? It’s usually meant to encourage. A rallying cry for entrepreneurship, industry and capitalism, it also alludes to the inverse — that high risk translates into high return. But when it comes to investing, it isn’t…
Key takeaways Equifax is one of the major business credit bureaus. Some of the factors that Equifax considers when generating your risk scores are your interactions with credit both with trade suppliers and financial institutions, your payment history, banking information and more. An Equifax report may be pulled by a…
When it comes to taxes and financial planning, you need to know the IRS has different rules for different types of income. Earned income, the money you make from working, affects everything from how much taxes you pay to whether you qualify for certain deductions or credits. Whether you’re earning…
Bonds and stocks each offer benefits, but they come with different levels of risk and return. A balanced mix can help build wealth while also reducing the impact of market swings, which is especially important as retirement approaches. The allocation for your 401(k) will depend on your age, risk tolerance,…
Credit Sesame explores how the cost of convenience is hitting parents harder and what it could mean for their finances. Parenting brings deep rewards but also constant financial demands. From groceries and clothes to school supplies, everyday expenses can stretch a budget thin. That is before even factoring in major…
If your paycheck is different every month, you’re not alone. Many freelancers, gig workers and commission-based employees face the same challenge of having a variable income. But you can manage your money with an irregular income (and it’s easier than you think). The secret? A budget—which is just a plan…
Credit card debt doesn’t just live in your wallet but also in your body and mind. It can keep you up at night, make you feel hopeless, and slowly chip away at your well-being. While many people think of debt as just a financial problem, the reality is that debt…
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