Interested in adding a new tool to your financial utility belt? There are loads of rewards credit cards to choose from—but the best credit cards for you depend on a few things: Your financial goals. Your spending habits. Your credit score. We’ve curated a selection of rewards credit cards, ranging from straightforward options to premium…
When looking for places to stash your money, you might debate whether to open a savings account with an online-only bank or a more traditional bank with physical branches. Ally Bank is the banking branch of Ally Financial. Since 2009 Ally has been a popular digital bank that offers savings, checking, CDs, and money market…
Private mortgage insurance (PMI) is usually charged on a conventional loan if you don’t make a down payment of at least 20% of the purchase price. It’s designed to protect your lender in the event that you default on your home loan. Normally, you pay your premium monthly, and it’s added to your mortgage payment….
Credit cards have all kinds of perks these days, but one that not all credit card users are aware of is paying your taxes—or paying for tax-preparation services or software—with a credit card. Specifically, several credit card issuers offer savings on tax services when you pay with one of their cards. If you prepare your…
Roth IRAs work in almost the exact opposite fashion of traditional IRAs in terms of the tax and penalty rules surrounding account withdrawals. Money is contributed to a Roth IRA on an after-tax basis. If the contribution requirements are met, then the withdrawals will be tax and penalty free. However, there are important caveats. Looking…
A FICO score is a three-digit credit score that was created by the Fair Isaac Corporation to offer insights into a borrower’s credit behavior. With numbers ranging from 300 to 850, it shows how likely a borrower is to repay money they borrow. FICO scores take into account various factors that are then used to…
Key things to consider about limited-time offers If a limited-time offer sounds like something you’d be interested in implementing in your online course business, there are a few things you need to know before you use this strategy in your business. The pricing Offering a limited-time enrollment allows you to charge a premium price for…
Checking accounts are designed to make things like paying bills, sending money to friends and family, and making debit-card purchases easier. The average balance in Americans’ transaction accounts (which include checking) was $41,700, according to the most recent Federal Reserve Survey of Consumer Finances. The median transaction account balance, by comparison, was $5,300. (This means that…
How to create a microlearning course Since microlearning is all about being succinct, preparing and developing the course is absolutely critical. Start by defining the objectives of your course. What do you want your audience to gain from the course? What specific skill or piece of knowledge do you want to focus on? Also, make…
When you spend more money than you have in your checking account, you may be charged an NSF fee. Short for “nonsufficient funds,” NSF fees can be very costly, particularly when you’re already scraping by with a low account balance. With the right planning or by choosing the right bank account, you may be able…