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- Cons of tech stocks
- 5. Your purchase plans
- 4. Seattle to Las Vegas for 5,000 miles
- Mutual funds
- Our pick for: Gas station spending
- SBA 7(a) loan interest rates and fees
- AAA non-member rates
- The Medicare Part D penalty
- Improve your chance of loan approval
- 3. Travel is a bonus category
- You've graduated to a permanent card
- State ombudsman offices
- 1. Specify the number of points you want to spend
- Safety concerns, removal and return of Sam Altman
- Cons:
- 2. You must have owned the home for at least two years
- Our pick for: Intro APR + high rewards on everyday spending
- Airport lounge access
- Additional financing
- How to maximize your rewards
- There is a pro-rata rule for backdoor Roths
- International travel with an adult
- What to consider before getting a low-interest credit card
- 4. Max out your retirement accounts
- FHA loans: As low as 3.5% down payment
- 3. Pentagon Federal Credit Union (PenFed) Rewards
- Step 5: Sign and date your W-4
- 3. Swagbucks
- 1. Making money
- Allow up to 50% of your income for needs
- The Westin Las Vegas Hotel & Spa
- Gas bill
- Deductibles
- Other fuel cards to consider
- Do tipped workers earn the minimum wage?
- Credit card rewards could look different
- 3. Delta Sky Clubs
- You submit an offer in compromise
- Experian
- Management and ongoing requirements
- Winner: Hyatt
- Pay for a club rate when booking on the IHG website
- How much is Netflix a month?
- Step 3: Triage your finances
- Reasons for unfreezing your credit
- Goodbudget
- 6. JetBlue TrueBlue
- THE PAYOFF
- Choosing corporate tax status for your LLC
- Step 3: Buy the gold ETF
- Crypto selection
- Other 100% mortgages
- Learn more about Zelle
- 5. Teach others a skill
- Company history
- 4. Robotics
- LifeLock pros
- Retail currency exchange market
- 7. Earned income tax credit
- Don’t compare notes with other witnesses
- Perks going away
- 1. Wait for your CD to mature
- 4. The Hilton Honors American Express Business Card
- Pro: You can pick your federal loan servicer
- Air India Maharaja Lounge
- How long will it take to pre-qualify?
- 2. More time means more growth
- Iberia business class meals
- Pros
- Points are worth more when you book travel through Chase
- Check your plan's rules for 401(k) loans
- You want to transfer rewards to a domestic airline
- Applying for Total Disability Discharge
- 4. Personal trainers
- Winner for ease of miles: Qatar Privilege Club
- 3. Don’t use the money
- Backup withholding “C” program notification
- 5. Business property rent
- 7. Podcasting
- Example interest checking APYs at select institutions
- 6. Combine points from multiple cards
- Consider pay-per-mile insurance
- 6. Michigan Veteran Entrepreneur-Lab
- The cons of Roth IRAs
- 4. Select a provider to open your Roth IRA
- What happens to MQMs?
- Appraisals
- 6. Home cleaning
- Hotel cards
- Crashes and car theft
- Step 3: Get certified, pay CrossFit fees
- Upgradeability
- How much does Clear cost without the Delta discount?
- LendingTree Spring
- Why it’s the best
- 3. Personal loan
- Free games
- Bid and ask
- Tap into equity
- What factors affect the amount you can borrow
- Gold streaming companies
- 4. Get certified as a minority-owned business.
- Complex tax prep and reporting
- Lower risk
- How do I make sure coverage applies to my rental?
- 5. Arlington Homebuyers' Assistance Program (Arlington)
- Track your spending
- Create social media profiles
- The highest price
- What’s your tolerance for risk to personal assets?
- 15,000 miles to Peru in economy or 35,000 miles in business class
- Stock mutual funds = higher potential returns (or losses)
- 1. Do you need Global Entry?
- Winner: United
- You prefer the benefits of ISAs
- File a complaint with your state insurance department
- Joint account owners
- Maximize federal student loans
- Size of the AC system
- The Howey test
- Premiums
- Personal loan calculator
- AAA member rates
- Hotel partners
- Oneworld partner airlines
- Best business expense tracker for transportation businesses
- The Medicare Part B penalty
- Divorce or separation from a spouse
- 4. Stay put until a replacement arrives
- Transfer credit card points to a KrisFlyer account
- Upsides
- Use a discount real estate broker
- 3. You must have lived in the house for at least two years in the five-year period before you sold it
- Valuation metrics
- Euphoria and despair
- Economic data
- Should you buy or sell based on these signals?
- 1. Cash dividends
- Cheapest minimum coverage car insurance in Florida for 20-year-olds
- Avoid the center seat
- Jumbo loans: As low as 5%-10% down payment (varies)
- 5. Research first-time home buyer assistance programs
- Home equity loan or HELOC
- Cheap car insurance after a speeding ticket
- Boarding
- 3. Bonds and bond index funds
- 5. Compare tax preparation fees
- Credit score for FHA loans
- You'd rather not pay an annual fee
- 3. Geico
- 8. Create an airport-centric app
- Cons
- 4. Pay your bill before your issuer reports to the credit bureaus
- The Chase trifecta
- Take out a debt consolidation loan
- Places with the highest median down payments (in dollars)
- Award miles
- What is the standard deduction?
- 10. Del Taco
- Drawing your trademark
- Purchase a travel insurance policy
- Selling your home to Opendoor
- Understand the value of the annual points bonus
- 2. Child identity theft
- Mission statement
- 5. Customer experience management, or CXM
- Use a debt repayment method
- 8. Charitable donation deduction
- Ages 20-24
- Capital gains vs. fixed income
- Brokerage fee
- Cash management account
- The Club SEA (Concourse A)
- The Platinum Card® from American Express
- 2. Open a no-penalty CD
- Who gets to avoid this fee:
- Why you’re interested in the position
- 2. Company description summary
- 4. Register your marijuana business and obtain licenses or permits
- How to get approved for a private student loan
- Exodus
- Calculate whether you can afford loan payments
- 2. Browse hotels and filter results
- Our pick for: No credit check at all
- Grants.gov
- Step 3: Apply for licenses, permits, and insurance
- Income-driven repayment account adjustment, or waiver
- Our pick for: Online purchases
- 1. Find a dividend-paying stock
- Swagbucks
- IFundWomen Universal Grant Application Database
- Shop for a new policy
- Why it’s the best
- How to report fraud or identity theft
- Million Miler Status changes
- Premiums
- 7. IT and computer services
- 5. Investigate divorced spouse benefits
- How much is YouTube TV?
- Step 4: Tap into community resources
- Tips for unfreezing your credit
- Takeaway
- Navy Federal: Best for military members
- Cards that offer Clear statement credits
- 2. States with flat income tax rates
- Dun & Bradstreet business credit scores
- 3. Don’t miss out on tax deductions for volunteering
- Aon Edge
- 4. Speed Queen
- 5. You can rent cars with Enterprise for Emerald Club credits
- Choosing a card
- Pros of general partnership
- Other student loan calculators
- 4. Marriott points transfer to 40 airline loyalty programs
- Seller concessions
- Claim a life-or-death emergency
- Equity REITs
- 1. Fill out a mortgage application
- Financial planning beyond infancy: College and life insurance
- Cost (and quality) of living
- 4. Your travel plans
- What coverage is included?
- 6. Dallas Homebuyer Assistance Program (Dallas)
- Find ways to save
- 5. KFC
- For flights booked with Southwest Rapid Rewards points
- Options from startups, too
- 5. Pure Barre
- 5. Book discounted award flights
- 35,000 miles to Colombia in business class
- 6. Your award redemption plan
- Wingtips Lounge
- 4. Decide how many Meta shares to buy
- Installation and labor: $75 to $250 per hour
- 3. Investing can trump saving over the long term
- Your home’s location and characteristics
- SBA 7(a) loan collateral
- $300 annual travel credit
- If your loans are transferred by the Department of Education
- 4. Prepare to eat the cost of promotion
- A high-deductible health plan might be right for you if:
- 2. Find your niche
- Sell your home yourself
- Hotel elite status
- UCC lien on specific collateral
- 6. Auto expenses
- 8. IT consulting
- 2. Stock dividends
- 4. Marriott Bonvoy Boundless® Credit Card
- 7. Transfer points to airline and hotel partners
- 2. Diversify your holdings
- 7. National Association for Self-Employed (NASE) Growth Grants
- Roll the dice with an upgrade hack
- Qualify for a second-home mortgage
- Superior rewards-earnings
- Consider the carrier
- Business class cabin configuration
- Home equity lines of credit pros and cons
- Step 3: Find a specialty — and stick to it
- Term life insurance rates for nonsmokers
- SBA transfers your account to the U.S. Treasury Department
- Taxes
- 9. Become a destination wedding planner
- Winner for lowest fees: Southwest
- Winner: Hilton, slightly
- 3. "Currently-not-collectible" status
- Places with the lowest median down payments (in dollars)
- 5. Decide when to buy Tesla stock
- Step 4: Register your business and get an employer identification number
- 4. Buy stocks using the right order type for you
- Average rates from the biggest auto insurers after an at-fault crash
- Small-cap stocks and value stocks may outperform
- Gift tax exclusion
- 11. Denny’s
- Prime Day and Prime Early Access
- Volume, average volume and day’s range
- Functionality
- Get rid of FHA mortgage insurance
- LifeLock cons
- 0% intro period + travel rewards
- 9. Medical expenses deduction
- Continue to bank confidently
- Problem: Someone isn’t getting the full benefit of a split cost
- 3. Opt for a CD ladder
- What you like about the company or employer
- How to book a Bora Bora honeymoon with points and miles
- British Airways Avios
- Guaranteed issue life insurance monthly rates for men
- Con: You might not save money
- Authorized users
- 6. Fidelity
- Free travel advisors
- Copays, coinsurance and deductibles
- Erie: Best in the Mid-Atlantic and Midwest
- Learn more about different types of asset-based lending:
- LoungeBuddy
- SkyTeam partner airlines
- You’re looking for a lower annual fee
- How to activate My Chase Loan
- 3. Confirm availability and book
- Where to stash home-repair money
- America’s Seed Fund
- Equity REITs
- Check the volume
- Downsides
- 4. You cannot have claimed the home sale capital gains exclusion recently
- Cheapest full coverage car insurance in California for 20-year-olds
- 1. Gifting stock to kids through a custodial account
- 4. Check out dividend-paying stocks
- Come hungry to enjoy the first class food
- Work on your credit
- Leave 30% of your income for wants
- Privacy
- 4. Escape Lounges
- 3. Learn to use market orders and limit orders
- You’re willing to wait for a (potentially) bigger sign-up bonus
- 4. Allstate
- 3. Tap your home equity for a loan or line of credit
- The ability to product change
- General travel cards
- Claim an annual IHG lounge membership as one of your IHG One Rewards milestone bonuses
- Damage you do to others
- GET MORE MILES, MORE BENEFITS WITH A DELTA CARD
- Price
- 3. States with progressive tax structures
- United Airlines MileagePlus
- Expensify
- Should you invest in retail stocks in 2023?
- Cons of general partnership
- What types of homes does Opendoor purchase?
- 4. Consider extra coverage
- Mortgage REITs
- 3. Synthetic identity theft
- How can I qualify to borrow more?
- Product/service and customer
- Chase Sapphire Preferred® Card
- 6. Influencer marketing
- The welcome bonus offer
- What isn't covered?
- 7. Homebuyers Assistance Program (Denton)
- 3. Citi Premier® Card
- How we picked the airlines to evaluate
- 2. How expensive is your time?
- 3. Market analysis
- 5. Marriott Bonvoy Brilliant® American Express® Card
- Trezor
- Air Canada preferred seat cost
- Pros of biotech stocks
- How do I access a HELOC?
- 4. Hilton Garden Inn Anaheim Resort
- Call and ask for better terms
- How long does it take for the flight credit to post to your account?
- Learn what happens if you leave your job
- 5. Newborn and post-pregnancy services
- A low- or no-deductible health plan might be right for you if:
- Worldwide Trip Protector Lite benefits
- Bankruptcy
- International travel as an unaccompanied minor
- 5. Optimize for tax implications
- 9. Catering
- 3. Dividend reinvestment programs (DRIPs)
- Amber Grant for Women
- 4. Fiverr
- 8. Small Business Innovation Research and Small Business Technology Transfer programs
- 6. Reconsider tax preparers who don't e-file
- Term life insurance rates for smokers
- Rideshare insurance costs by company
- Copays, coinsurance and deductibles
- Equifax
- 10. Make local guides
- 8. Pet store, grooming and boarding
- How much is Hulu?
- Borrow from your 401(k)
- Changes and refunds
- What does 'itemize' mean?
- Andover Companies: Best coverage
- 4. Keep the deadline in mind
- Chubb
- Estate tax exclusion
- 12. Edible Arrangements
- Limitations
- 3. Land a brand deal and make sponsored content
- Net worth of U.S. families by income
- Beta
- Access via travel card benefits
- Revocable life insurance trusts
- Switch from an adjustable- to a fixed-rate loan
- 10. Deduction for state and local taxes
- Who gets to avoid this charge:
- A sure, fast closing
- 80,000 miles in Emirates business class to the Middle East, Africa, Asia, Australia or New Zealand
- Bond mutual funds = lower returns (but lower risk)
- Index funds
- Guaranteed issue life insurance monthly rates for women
- Ask to pay tuition in installments
- 4. The tax advantages are prime for kids
- 2. Pick which options to buy or sell
- More flexibility
- Who pays for title insurance
- 1. Potentially superior rewards for some members
- 5. Check your travel protection benefits
- WomensNet Grants
- Step 4: Find a spot to sell your cards
- Mortgage REITs
- 5. You cannot have bought the house through a like-kind exchange
- Do workers get paid while on strike?
- Blanket lien
- 7. Rent and depreciation on equipment and machinery
- 4. Take surveys for money
- Cheapest auto insurance in Florida for 20-year-olds with poor credit
- 2. Evaluate the stock
- 4. Barclays rewards
- 8. Worldwide acceptance
- How to freeze your credit
- 6. Compare mortgage rates and fees
- International flights
- 4. Real estate investment trusts (REITs)
- 1099-A
- Step 4: Plan the business budget
- Conventional loans
- Pros
- 6. Add your minor child
- 5. Monitor your total credit utilization
- Book through certain luxury travel agencies, like Virtuoso
- Step 5: Be strategic with your money
- Hedging against future downturns
- Singapore Airlines KrisFlyer
- Equifax business credit scores
- 6. You can opt to earn airline miles or hotel points — but it’s probably not worth it
- 4. Understand mutual fund fees
- Free unlimited photo storage with Amazon Photos
- 5. You can have more than one Marriott credit card
- Predict your annual spend in bonus categories
- 6. Find local gigs through Nextdoor
- Pros of gold stocks
- Make multiple credit card payments per month
- Money regrets
- Ages 25-34
- What vehicle rentals are excluded?
- 8. Homebuyer Assistance Program (Fort Worth)
- 6. McDonald’s
- 6. The Bar Method
- Your long-term professional goals and interests
- Pros of health care stocks
- Sweet spot No. 2: Long distance flights on American Airlines within the same region
- Investing in individual tech stocks
- 7. What perks come with the card
- 3. How often do you fly?
- Aer Lingus
- Winner: Delta
- Consider mediation
- Alaska Lounge
- 5. Register to pay taxes
- Seasonal Energy Efficiency Ratio (SEER) Rating
- Your community
- How much does a HELOC cost?
- Best low-cost business expense tracker
- Lounge access and other top-tier benefits
- Consider alternatives
- You want to redeem points for travel directly
- Book a fifth freedom flight
- 3. Investment accounts for kids
- Other ways to earn Choice Privileges points
- Be prepared to research
- 4. Alert authorities to fraud
- Deductibles, limits and payouts
- How to stop “B” backup withholding
- 2. Gifting stock through a Roth IRA
- 10. Social media management
- 3. Tap TikTok’s ‘Creativity Program Beta’
- 4. Special dividends
- Where to get preapproved for a car loan
- Las Vegas Marriott and Renaissance Las Vegas Hotel
- Personal loan
- Cheap auto insurance after an accident
- Which is better when?
- 4. Practice with a paper trading account
- 7. Confirm they'll sign on the dotted line
- You want a break on interest
- 2. Promote your business
- Injuries to you
- Step 5: Get funding for opening your CrossFit gym
- Market orders
- Takeaway
- 3. The Electronic Federal Tax Payment System (EFTPS)
- Your money management style
- Food and on-board service
- Why it’s the best
- 5. WaveMAX Laundry
- HSAs and FSAs
- 13. Firehouse Subs
- Allegation of use
- Net worth of U.S. families by age
- EPS (TTM) and earnings date
- How to buy a home with Opendoor
- 5. Get a quote
- Hybrid REITs
- 4. Taxpayer identity theft
- Future goals
- 7. Content automation
- 2. Review your Loan Estimates
- 11. Mortgage interest deduction
- 5. Find financing for your business.
- Stock trading fee
- Use designated accounts for spending and savings
- The Club SEA (South Satellite)
- Launch email marketing campaigns
- The Business Platinum Card® from American Express
- How we chose the winner
- Get a vehicle history report
- How do you want the IRS to tax your business profits?
- 6. Earn a companion certificate
- When are taxes due in October?
- You'll qualify for loan forgiveness
- Con: A longer repayment term means you pay more interest over time
- Cons of biotech stocks
- Better perks for MileagePlus Premier members
- Clear membership
- Star Alliance partner airlines
- Build your score and then switch cards
- How can you tell if you’ve been given your flight credit?
- What is Tesla Insurance?
- 5. Price yourself in line with the market, if not a little lower
- National Association for the Self-Employed (NASE) grant
- Worldwide Trip Protector benefits
- 6. You cannot be subject to expatriate tax
- Rental car elite status
- 5. Explore new industries
- National Association for the Self-Employed Growth Grant
- 9. Southern California Job Creators Grant
- Why it’s the best
- Credit access and security are also concerns
- 5. Aspire Lounge, San Diego
- 5. Gather your paperwork
- Best insurance company for affordability: NJM
- Debt-to-income ratio
- 1099-B
- 5. USAA
- 11. Create a local grocery delivery service
- 9. Salon or barbershop
- Why you might roll a 401(k) into an IRA
- Pay bills on time
- How to get Clear membership at no cost for you and a family member
- Emirates Skywards
- THE PAYOFF
- Rocket Money
- Credit Account
- Control
- Amazon Elements
- Hope for the best
- 7. Freelance
- Cons of gold stocks
- Inverse performance
- Alaska
- 5. Your existing credit cards
- How long will the rental be covered?
- Short-term bond funds
- 9. Down Payment Assistance Program (Frisco)
- Cons of health care stocks
- 3. Fill out the trade ticket
- Money market mutual funds = lowest returns, lowest risk
- Air France-KLM Flying Blue
- 4. Products and services
- 1. Have a goal for your index funds
- 5. The money can be used for more than retirement
- 2. Find the right location for your vending machine
- 3. Estimate your total savings needs
- It’s a home, not an investment
- 6. Enrichment activities for children
- Hybrid REITs
- Perkins loans
- Our pick for: Everyday spending
- What is the Global Entry interview like?
- How to stop “C” backup withholding
- Cheapest minimum coverage car insurance in California for 20-year-olds
- How to maximize your rewards
- What's next?
- 6. Invest for more than retirement
- 8. Office supplies
- 5. Preferred dividends
- 3. Decide how much stock you want to buy
- 5. Southwest Rapid Rewards® Plus Credit Card
- 3. Invest in sectors that perform well in recessions
- Commit 20% of your income to savings and debt paydown
- What if you can’t pay your bills?
- Compare car insurance rates for 35-year-olds
- Additional standard deduction 2023 (taxes due 2024)
- 8. Check if they would have your back
- Whole life insurance rates for nonsmokers
- Make Money
- How much can refinancing save you?
- 4. Penalty abatement
- How much is Disney+?
- Tap your home equity
- Bonus features
- Neptune Flood
- 14. IHop
- 6. Marriott credit card perks go beyond mere points
- Net worth of U.S. families by race or ethnicity
- Ex-dividend date
- Irrevocable life insurance trusts (ILITs)
- Book one to three months in advance
- 12. Gambling loss deduction
- Make a plan to pay off debt
- Problem: A companion wants to pay for group expenses with points
- Debt management plan
- Who can avoid this fee:
- Salary expectations
- Fewer contingencies
- 80,000 miles to Maldives in business class
- 4. Do you already hold a travel credit card?
- 6. The Platinum Card® from American Express
- Ledger
- 6. Get funding
- Your coverage and deductibles
- Trezor
- 2. Higher rewards on gas and EV charging purchases
- Try different ways to avoid overspending
- Our pick for: Beginner-friendly features
- Program for Investors in Microentrepreneurs
- Reducing or waiving your collision deductible
- Step 5: Obtain small business funding
- How long do strikes usually last?
- 3. Gifting stock to friends and family
- 11. Business planning service
- You can use credit card benefits to travel in basic economy
- 9. Coverage if your trip is canceled or delayed
- Bizee’s Fresh Start Business Grant
- 3. Learn the difference between investing in stocks and funds
- How to request a copy of your credit report
- How to contact New York Life
- Seats in business class
- Cons
- 12. Start a virtual event planning company
- 7. Suspend your benefit
- Step 6: Explore ways to make or borrow money
- Fare flexibility/ticket changes
- Keep credit utilization below 30%
- Consistency is key
- British Airways Executive Club
- Experian business credit scores
- Credit-builder loans
- Earned Income tax credit
- Amazon Family
- American Express
- 4. Sell some merch
- Aim to earn the Companion Pass
- Publicly-traded REITs
- 8. Artificial intelligence
- Tap into savings to pay down debt
- The earning power
- What if I don’t have personal auto insurance?
- 10. City of McKinney Homebuyer Assistance Program (McKinney)
- 7. Dunkin’
- 4. Capital One Venture X Rewards Credit Card
- 7. UFC Gym
- Get an inspection from a trusted mechanic
- You're worried about your total debt
- Con: Consolidating privately means you give up federal loan benefits
- Bobby Van’s Steakhouse
- What do I need for my loan application?
- 1. Examine your cooling needs
- Our pick for: Simple cash back
- Bundled cost
- How to contact AAA
- USAA: Best for military and veterans
- 5. Quality Inn & Suites Anaheim at the Park
- Universal life vs. whole life insurance rates for men
- Chattel loans
- 3. Understand your market
- Step 3: Register your interior design business and get an EIN
- HEAL loans
- 6. Dividend funds
- What you need to get preapproved for a car loan
- 5. American Express Membership Rewards
- 10. Stephen L. Tadlock Veteran Grant
- SpringHill Suites, Residence Inn and Courtyard
- 7. Gather your loan paperwork
- Cash-out refinance
- Work with a real estate agent to find your ideal second home
- Additional standard deduction 2024 (taxes due 2025)
- 5. Measure your returns against a fitting benchmark
- 1099-C
- Whole life insurance rates for smokers
- 6. Liberty Mutual
- Reevaluate your business finances
- 10. Gas station
- Hold IHG Royal Ambassador status
- Your stolen stuff
- Low-down-payment mortgages
- Account linking
- Only book if you’re sure you won’t need to change your flights
- 2023 tax rates by state
- 15. Melting Pot
- International trademark registration
- Pros of limited partnership
- Net worth of U.S. families by education
- 1-year target estimate
- Get add-on protection for your trip
- 5. Medical identity theft
- 8. Tutor your peers
- U.S. Bank Altitude™ Reserve Visa Infinite® Card
- 13. IRA contributions deduction
- Ages 35-44
- Florida
- Honorable mention: Wellcare
- Bankruptcy
- How we assigned star ratings
- How formal do you want your management structure to be?
- Investing in tech funds
- Emirates Skywards
- Exchange-traded funds
- 5. Financial information and projections
- The last resort: File a lawsuit
- 2. Research index funds
- Individual biotech stocks
- Purchasing a Plumeria Lounge day pass
- Publicly-traded REITs
- Statement credits
- After you're approved for Global Entry
- 9. Office furniture
- 12. Tax consulting
- 5. Make money from your blog with affiliate links
- Cheapest auto insurance in Florida for 20-year-olds with one speeding ticket
- Example CD APYs at select institutions
- 1. Think long term versus short term
- 10. Baggage delay insurance
- 5. Upwork
- 2. Managing money
- Predictability
- 5. Money market funds
- Government-backed loans
- 4. Borrow from your 401(k)
- Eureka
- How much is Max?
- Baggage and boarding
- Keep credit accounts open
- Iberia Plus
- Type of business
- How does coverage vary for international rentals?
- 11. Down Payment Assistance Program (Mesquite)
- Consider paid advertising
- Individual health care stocks
- 7. Take advantage of no change fees on eligible fares
- 2. Time it right
- 2. Determine how to finance your franchise
- Best business expense tracker for travel-related expenses
- Universal life vs. whole life insurance rates for women
- How to ensure you get the full $200 flight credit value
- Add a stopover (or two)
- 7. Mobile apps and entertainment for children
- FedEx Small Business Grant Contest
- Manufactured home mortgages
- Mini CD ladder
- What’s covered and what’s not
- How to get credit for past backup withholding
- How to maximize your rewards
- 7. Chat with an advisor
- 4. Focus on the long-term
- 11. Feed the Soul Foundation's Restaurant Business Development Program
- Check-in
- 6. Pick your investments
- Down payments and gift funds
- 1099-CAP
- 13. Sell zero-waste products
- 11. Grocery store
- Winner for lowest fees: Southwest
- Why you might not want to roll a 401(k) to an IRA
- Step 7: Examine your health care options
- Step 6: Find a gym space, get permits
- Obtain ConnectMiles or Star Alliance premier status prior to booking
- Money Manager
- Private Market Flood
- 16. Moe’s Southwest Grill
- Cons of limited partnership
- Moving averages
- Public non-traded REITs
- Individual gold stocks
- Start with the elevator pitch
- 9. Podcasting
- Consider a personal loan
- 14. 401(k) contributions deduction
- Develop good credit habits
- American Express travel insurance disclosures
- 8. Jazzercise Inc.
- Debt settlement
- Marriott Bonvoy Brilliant® American Express® Card
- Who can avoid this fee:
- How we verified our data
- Etihad Guest
- Government bonds
- Trip delay coverage
- Resident status rules
- How Tesla Insurance works
- How long do things last?
- Other sources for Choice Privileges points
- Travel Medical Protector benefits
- Cheapest auto insurance in California for 20-year-olds with poor credit
- 1. 'I’ll wait until the stock market is safe to invest.'
- 4. Use gifting
- 2. Look into tax-loss harvesting
- 6. United℠ Explorer Card
- 11. Rental car coverage
- Venmo Small Business Grant
- Fleet expense management tools
- Credit card
- Cheapest car insurance after a DUI
- Video flight recap
- 1. Avoid filing your tax return on paper
- 7. Farmers
- Reach out to your lender
- 8. Use a do-over
- 5. Hiring a tax relief company
- Limit orders
- Space out credit applications
- Security
- 2. Is now the right time to buy bonds?
- 6. Zoom Express Laundry
- 7. Elite status can be hard to get except through a credit card
- Responding to trademark office actions or oppositions
- 5. Offer memberships
- Appraisal fee
- Spend toward A-List status
- FHA loans
- 6. Account takeover
- 9. Take surveys
- 3. Loan processing takes over
- Ages 45-54
- Taxes
- Nevada
- Mutual fund transaction fee
- 12. First-Time Homebuyers Assistance and Educational Program (Plano)
- 8. Pizza Hut
- Buy from a reputable dealer or seller
- 6. Future plans
- 3. Look for equipment rebates and tax credits
- Reduce your flood risk
- 3. Predict the option strike price
- Geico vs. Allstate home insurance
- SBA 504 loan eligibility
- Ledger
- 3. Less costly membership options, potentially less stringent credit requirements
- 6. Always keep the food and conversation going
- Step 6: Order and manage your supplies
- Public non-traded REITs
- Uneven splits
- Parent PLUS loans
- 1. Automate transfers
- 10. Software subscription
- Perks await when you fly economy with elite status
- 6. Capital One Rewards
- 8. Get a preapproval letter
- Security screening
- 6. Keep your perspective
- 1099-DIV
- InboxDollars Surveys
- 14. Make products for pets
- How much is Apple TV+?
- Down payment assistance programs
- Seat selection
- Learning to invest like Warren Buffett
- Chubb: Best for high-value homes
- Secured credit cards
- How long do I need an SR-22 in California?
- 5. Manage your mutual fund portfolio
- 17. P.F. Chang’s
- Legal regulations
- Set a price alert
- Cash back sign-up bonus
- Pretax profit margin
- Open a business bank account and credit card
- Automatic Hilton Honors™ Diamond elite status
- What is the procedure for filing a claim?
- Bank certificates of deposit, or CDs
- Iberia Plus Avios
- You prefer student loan benefits
- 7. The Business Platinum Card® from American Express
- Biotech stock ETFs
- Use your Chase Ultimate Rewards® points
- 8. Shared accessories and attire
- 1. Consider travel time and distance
- Step 4: Obtain any licenses or business permits
- Inexpensive
- What happens if you are declined?
- 13. PR agency
- Dividend per share (DPS)
- 12. Travel assistance
- 12. Chicagoland Job Creators Quest Grant
- 2. Get direct deposit
- The insurer of last resort: Citizens Property Insurance Corporation
- 3. Sell your castoffs
- Monitor your credit reports
- THE PAYOFF
- Discount points
- Stick to the basics
- 10. Streaming service
- 15. Saver’s credit
- New Hampshire
- 13. First-Time Homebuyers Program (Wichita Falls)
- 5. Capital One Venture Rewards Credit Card
- Health care stock ETFs
- 8. Veterans and their families can save 10% on airfare
- Double-check your coverage
- 3. Pick your index funds
- What does P2P mean?
- 6. The Westin Anaheim Resort
- 4. Invest for growth
- Our pick for: Fixed monthly payments
- Do Choice Privileges points expire?
- 2. 'I’ll buy back in next week when it’s lower.'
- 6. Sell your wares on Etsy
- Cheapest auto insurance in Florida for 20-year-olds with one at-fault crash
- 3. Hold the shares inside an IRA, a 401(k) or other tax-advantaged account
- How to have more taxes taken out of your paycheck
- Stocks
- How quickly could the IRS implement the child tax credit expansion?
- Contractor financing
- Solar panel incentives by state
- No-exam life insurance rates for nonsmokers
- 8. Travelers
- Get professional assistance
- 15. Create custom clothing
- 12. Drugstore
- Step 7: Get a business checking account, credit card
- Earning rates
- 4. Debit card
- Customer support
- AndroMoney
- How do I get a restricted driver’s license in California?
- 18. Pinkberry
- Support and resistance
- Private REITs
- Rebook if you find a cheaper price
- 7. Criminal identity theft
- 10. Search for regular jobs for kids
- Gold stock ETFs
- 4. The underwriter makes a decision based on your documentation
- Ages 55-64
- Invest in your financial future
- 9. Gold’s Gym
- How much administrative complexity can you handle?
- Sweet spot No. 3: Transferring miles between Iberia, Aer Lingus and British Airways
- Qantas Airways
- Options
- Submit an elevation certificate
- SBA 504 loan interest rates and fees
- Identify grants that are suited to your business
- 11. Advertising and marketing
- Dividend yield
- Our pick for: Cell phone and internet bill payments
- Example money market account APYs at select institutions
- 13. Purchase protections
- The Amplifier Grant
- Pharmacy choice
- 6. High-yield savings accounts
- 3. Stay on top of things
- FHA appraisal
- 1099-G
- Step 5: Register the business
- Fitch Ratings Insurer Financial Strength: AA- (very strong)
- Google Opinion Rewards
- Winner for loyalty program: Delta SkyMiles
- Appendix: How the math works in our examples
- 8. You can status match
- HomeReady and Home Possible loans
- Citi Prestige® Card
- 16. Health savings account contributions deduction
- Certifications for minority woman-owned businesses
- Net profit margin
- Look for outside funding
- 14. Homebuyers' Assistance Program (Tarrant County)
- 9. Denny’s
- Traditional marketing
- The Hilton Honors American Express Business Card
- Home equity loan
- Geico vs. State Farm home insurance
- What is P2P payment?
- 3. Scout a location
- Part-year resident status rules
- Step 7: Market your cards
- Private REITs
- 2. Don’t get carried away
- Our pick for: Flat-rate travel rewards
- Saves you time
- Cheapest auto insurance in California for 20-year-old drivers with one speeding ticket
- 2. Count your coins and bills
- 14. Professional organizing
- 7. Delta SkyMiles® Gold American Express Card
- 7. Citi ThankYou Points
- 6. OfferUp
- Best insurance company for accident forgiveness: Geico
- No-exam life insurance rates for smokers
- How much is Peacock?
- Upgradeability
- 7. Express Laundry Center
- How do I get rid of an SR-22 in California?
- 19. Pizza Hut
- Escrow account funds
- Be passionate
- 11. 3D printing
- South Dakota
- Singapore Airlines
- 1. Be concise
- 4. Determine the option time frame
- Fly on off-peak days
- Manufactured home pros
- Step 5: Open a business bank account and get a business credit card
- 3. 'I’m bored of this stock, so I’m selling.'
- More resources for athletes:
- 4. Call in a pro
- 14. Customer service without the wait
- How to have less taxes taken out of your paycheck
- Bonds
- 13. Beyond Open Small Business Grant Program
- 4. Set a budget for your stock market investment
- 9. Choose a real estate agent carefully
- Benefits
- Utility-based clean energy incentives
- 1. Lower risk by building positions slowly
- 1099-INT
- 9. American Family
- J.D. Power Ranking
- 5. Enter a debt management plan
- 16. Sell vintage clothing online
- 4. Earn badges through Live videos
- 13. Antique or thrift store
- User experience
- Pack carry-on only or factor the price of checked baggage into the cost of your ticket
- Pros of C corporation
- 7. You’ll need high credit to improve your chances of approval
- Capital One
- Selling to Opendoor
- 17. Self-employment expenses deduction
- The risks and rewards of each
- Expense ratios
- What are your long-term goals for the business?
- 9. Download the app for free inflight entertainment
- SBA 504 loan collateral
- American Family
- 4. Education accounts
- Confirm grant details
- 12. Business entertainment
- 15. Photography
- 5. Sell with TikTok Shop
- FedEx Small Business Grant Contest
- Cheapest auto insurance for poor credit
- 4. One more thing to know about your tax refund
- Swagbucks
- How much is Prime Video?
- Step 8: Get business insurance
- 3. Which bonds are right for my portfolio?
- 1Money
- What is the difference between SR-22 and SR-1P?
- 20. Red Robin
- Franchising pros
- Be flexible with destination, airport and dates
- A complimentary night at almost any Hilton property
- Tennessee
- Experiential marketing
- U.S. Bank Altitude® Connect Visa Signature® Card
- Travelers vs. Allstate home insurance
- Virgin Atlantic Flying Club
- 4. Decide where to buy your index funds
- Shop around
- 9. Shared home improvement equipment
- Redeem points for hotel stays
- 3. Be aware of restrictions
- Privacy
- How to maximize your rewards
- 3. Prep for grocery shopping
- 7. Self-publish an e-book
- Cheapest auto insurance in Florida for 20-year-olds after a DUI
- Where is the best place to exchange currency?
- TownePlace Suites Las Vegas City Center
- Drawbacks
- NCQA Score Range: 4.5 out of 5
- 17. Begin niche blogging
- 14. Fitness studio or gym
- Allianz Global Assistance
- Dollar-cost averaging
- Reviews
- Past years' state tax rates
- Cons of C corporation
- 8. Your shopping habits can decide the best card for you
- Flood determination and monitoring fees
- Keep it succinct
- 12. E-commerce
- Travel rewards sign-up bonus
- 5. Your loan is cleared to close
- 18. Home office deduction
- 1. Choose to DIY or get some help
- 10. Ben & Jerry’s
- 6. Marriott Bonvoy Brilliant® American Express® Card
- 10. Browse flights on the low fare calendar
- File an appeal
- Home equity line of credit
- 3. Find your vending machine
- Our pick for: Flexible rewards and a bonus
- Corporate bonds
- Medicare enrollment periods
- Nonresident status rules
- 5. Keep your expenses in check
- Manufactured home cons
- 4. Register your clothing business
- How to maximize your rewards
- Dividend payout ratio
- 8. Bank of America® rewards
- How to use a W-4 to owe nothing on a tax return
- Tory Burch Foundation Fellows Program
- Mutual funds
- 14. Bizee Fresh Start Business Grant
- 10. Narrow down your ideal type of house and neighborhood
- 7. CDs
- 2. Ignore 'hot tips'
- 1099-K
- 10. Nationwide
- How do you get a perfect credit score?
- Book with ConnectMiles
- Copying Warren Buffett’s trades
- THE PAYOFF
- 21. Starbucks
- Listing with Opendoor
- Good Neighbor Next Door
- Texas
- 15. Down Payment Assistance Program (Austin)
- 2. Use bullet points
- Adjust your deductible or coverage limits
- Pay with cash and points
- Is Tesla Insurance worth it?
- Our pick for: An upgrade path
- Prepare and submit applications
- 1. Live in the house for at least two years
- Organization
- Cheapest auto insurance in California for 20-year-old drivers with one at-fault crash
- 13. Travel expenses
- 16. Event space
- How do I find a currency exchange near me?
- Mortgage insurance
- How much is Sling TV?
- Bonzah
- Government recording fees
- Golden crosses and death crosses
- 19. Educator expenses deduction
- 8. Whether Capital One miles expire
- 7. Poshmark
- 15. Venmo Small Business Grant
- Courtyard, Fairfield Inn and Residence Inn (Las Vegas South)
- 18. Become an e-book writer
- 5. Build a community
- 15. Tutoring business
- Country Financial: Best for using an agent
- 22. Wingstop
- Franchising cons
- 11. Monetize your social media accounts
- Have structure
- Wildfires
- $400 Hilton resort statement credit
- 16. Down Payment Assistance Program (Bryan)
- Save
- Travelers vs. Geico home insurance
- AeroMexico
- Ask for another at-home visit
- 4. Review and sign your franchise agreement
- Step 6: Explore funding options
- Determine if your quotes are a good deal
- 2. See whether you qualify for an exception
- 17. Interior decorating
- 6. Monetize using the Series feature
- Exchange-traded funds
- Where can you exchange currency for free?
- Property-based passive income ideas
- Rental Cover
- Loan-origination charges
- 1. Freeze your credit
- Capital One Venture X Rewards Credit Card
- 13. Portable charging devices
- 20. Solar tax credit
- 1. There are 8 million minority-owned businesses in the U.S.
- Washington
- 11. Edible Arrangements
- 3. Speak to your audience
- 5. Buy index funds
- Cash-out refinance
- An example of buying a call
- Build in a layover
- Pros
- How to enroll in Medicare
- 10. Vacation rentals
- 5. ABLE Accounts
- Consider backup funding options
- 14. Interest
- 8. Get advertising revenue from your blog or YouTube channel
- 8. The Platinum Card® from American Express
- 16. U.S. Chamber of Commerce America's Top Small Business Awards
- 5. Focus on investing for the long-term
- 3. Keep good records for the IRS
- 1099-LTC
- 16. Ice cream shop
- How much is Fubo TV?
- 5. Credit card
- 23. Red Lobster
- 12. Get paid to stream on Twitch
- Premium travel rewards sign-up bonus
- 17. First-Time Homebuyer Assistance Program (Killeen)
- To stay in the home after closing
- Sweet spot No. 4: Use American Airlines or British Airways to avoid poor Qantas awards
- Cathay Pacific
- Auto Club Group
- Club Olympus
- 3. Keep the receipts for your home improvements
- 4. Minimize restaurant spending
- 18. Woodworking or furniture building
- 3. Building a budget
- 19. Start ghostwriting
- Sure
- Pros of S corporation
- Cryptocurrency pros
- Mortgage insurance or fees for government-backed loans
- 2. Safeguard your Social Security number
- 21. Energy efficient home improvement tax credit
- 2. Minority-owned businesses contribute $1.38 trillion in revenue and 7.2 million jobs to the economy.
- $200 airline fee credit
- Sales load
- Complain to the state insurance department
- Cons
- Our pick for: Customizable bonus categories
- Cheapest auto insurance in California for 20-year-old drivers after a DUI
- Cheapest full coverage car insurance in Florida for 30-year-olds
- 17. EBay Up & Running Grants
- Compare car insurance rates for drivers with a DUI
- 8. Buy a rental property
- Best insurance company for having few customer complaints: American Family
- 1099-MISC
- Step 6: Find and maintain clients
- 17. Dry cleaner
- Rent
- Licensing pros
- Write it later
- Earthquakes
- Wyoming
- More from NerdWallet
- 18. First-Time Homebuyer Program (San Marcos)
- Invest
- An example of buying a put
- 5. Attend corporate training
- Gifting large sums of money to family
- How much is a Tesla?
- 11. Electronics repair
- Nationwide vs. Allstate home insurance
- Self-funding
- 15. Bad debt
- Near the Strip
- 11. Stick to your budget
- 20. Become a resume writer
- Winner for credit card availability: Delta Air Lines
- 5. Optimize your stock portfolio
- Cons of S corporation
- 3. Be alert to phishing and spoofing
- 14. Publishing e-books
- 22. Electric vehicle tax credit
- 3. Only 11% of minority-owned businesses have paid employees.
- 12. Cinnabon
- Choice Hotels
- 4. Play to your strengths
- Get an appraisal
- 6. Keep an eye on your index funds
- Personal loan
- 4. Explore your financing options
- Our pick for: No security deposit, low annual fee
- Transfer points to other loyalty programs
- 5. Design and source the clothes for your line
- 19. Graphic design
- 7. Collect tips from viewers
- 18. Grants.gov
- 18. Bookstore
- Equipment
- Put money in a 401(k)
- Low staffing needs
- 24. American Eagle
- Cryptocurrency cons
- Pest inspection
- Testing a resistance level
- Flooding
- Clear membership
- 19. Homebuyer Residence Incentive Program (San Marcos)
- Wildfires
- To avoid repairs
- California earned income tax credit (CalEITC)
- 5. Get discounts on entertainment
- 6. Manage your stock portfolio
- Cheapest car insurance for young drivers
- 9. Rent out your own house
- Home purchase: Basic Home Mortgage 203(b)
- 1099-NEC
- 21. Open a coworking space
- Licensing cons
- 4. Use strong passwords and add an authentication step
- Get a test reader
- 4. The combined total revenues of minority-owned businesses grew 35% over 5 years.
- Hawaiian Airlines Hawaiian Miles
- 5. Get a test reader
- Paying for vacations, cars or other stuff
- 20. Clothing boutique
- 9. Become an Instagram influencer
- Our pick for: Maximized value
- 9. Capital One Venture Rewards Credit Card
- An alternative Las Vegas vacation
- 19. Bed and breakfast
- Employees
- 6. Know when to sell stocks — and when not to
- Year-round demand
- 25. Anthropologie
- Prepaid expenses
- 15. Fitness tech
- 2. Know your own ESG criteria
- 20. City Employee Loan Assistance (Waco)
- Pay off debt
- Flooding
- 6. Open your doors
- California young child tax credit (YCTC)
- Theft
- Other ways to redeem your points
- Nationwide vs. Geico home insurance
- Financial assistance
- Cheapest minimum coverage car insurance in Florida for 30-year-olds
- 1. Has the W-4 form changed?
- 4. Saving money
- 19. GrantWatch
- FHA refinance loans
- 5. Use alerts
- Proofread
- Capital One Venture Rewards Credit Card
- 5. Over those same five years, the average revenue per minority-owned business decreased by 2%.
- 13. Dairy Queen
- Auto-Owners
- Giving a laid-back loan
- Tesla repair costs
- 6. Map out major purchases
- 16. Taxes
- 21. Bed and breakfast
- 12. Make the most of walk-throughs and open houses
- 10. Get a roommate
- 1099-OID
- 22. Become an online coach
- 20. Floral shop
- Insurance
- Put money in an IRA
- Low failure rate
- 26. Banana Republic
- Flooding
- Hilton Honors
- Our pick for: Worldwide acceptance
- California child and dependent care tax credit
- Natural disasters
- 12. Academics courses
- Cheapest full coverage car insurance in California for 30-year-olds
- Pros of LLC
- Tax monitoring and research fees
- 6. Watch your mailbox
- 16. Online teaching
- 6. During the Great Recession, a net 2 million minority-owned businesses opened.
- Up to $100 Hilton on-property credit
- 3. Choose ESG investments
- Management or advisory fees
- Try mediation
- Setting up joint bank accounts
- 22. Food truck
- Find your niche
- 2. What does it mean to be exempt from taxes?
- Alternative investment passive income ideas
- 1099-PATR
- 23. Flip failing websites
- 21. Gardening and landscaping
- 6. Mobile via IRS2Go
- NJM: Best small regional insurer
- Work-life flexibility
- 27. DSW
- Repeat
- California adoption cost tax credit
- Our pick for: No security deposit, low annual fee, potentially high credit limit
- Tiers
- 10. Monetize your Twitch channel
- FHA renovation loans
- Step 7: Invest in advertising and expanding
- Cons of LLC
- Title-related costs
- 7. Shred, shred, shred
- 17. Mobile application development
- 7. In a Census survey, 30% of BIPOC reported that they felt discouraged from seeking a loan.
- 14. Cold Stone Creamery
- Winter weather
- JetBlue TrueBlue
- Our pick for: Bank of America® customers
- 7. Restrict online shopping
- 17. Employee salaries
- Cheapest auto insurance in Florida for 30-year-olds with poor credit
- 10. Hilton Honors American Express Aspire Card
- Cheapest auto insurance for senior drivers
- Best insurance company for financial strength: Auto-Owners
- 1099-Q
- 24. Become a web developer
- Hurricanes and tropical storms
- 28. J. Crew Factory
- Above-the-line deductions
- Other notable benefits
- 21. Down Payment Assistance Program (Beaumont)
- Turn to litigation
- California nonrefundable renters tax credit
- 13. Language courses
- 23. Restaurant or cafe
- 13. Don’t skip the home inspections
- 11. Peer-to-peer lending
- Other specialty FHA loans
- 22. Nail salon and spa
- Winner for business class: Delta Air Lines
- 8. Use a digital wallet
- Earthquakes and landslides
- Winter storms
- Marriott Bonvoy
- Cheapest minimum coverage car insurance in California for 30-year-olds
- Veteran Business Outreach Centers
- 1099-R
- 25. Start a podcast
- 29. Journeys
- 18. Search engine optimization consultant
- 22. Homebuyers Assistance Program (Texarkana)
- 5. Stock your vending machine with inventory
- Farmers
- Winner for premium seating classes: Etihad
- 18. Employee benefits programs
- 24. Craft brewery
- 3. When should I review my W-4?
- 23. Photography
- Open a 529 account
- 9. Protect your mobile devices
- Below-the-line deductions
- Tornadoes
- 8. Delay purchases with the 30-day rule
- Be authentic
- 1099-S
- 26. Be a social media influencer
- 30. Madewell
- American Express® Gold Card
- 19. Social media consultant
- Dividends and preferred stock
- 23. Homebuyer Assistance Program (Tyler)
- Where you live
- 6. Partner with a manufacturer
- Pros
- 11. Sell your photography
- Cheapest auto insurance in Florida for 30-year-olds with one speeding ticket
- 14. Negotiate with the seller
- Compare auto insurance rates for drivers with poor credit
- 12. Private equity
- 24. Clothing boutique
- 10. Check your credit reports regularly
- 401(k) fees
- Hailstorms
- 14. Business or marketing courses
- Our pick for: Average credit and rewards
- 19. Employee gifts
- 25. Ice cream shop
- 4. Can I adjust my W-4 multiple times throughout the year?
- Service-Disabled Veteran-Owned Small Business Program
- 31. Old Navy
- Business entity summary
- Real estate agent commissions
- Your credit
- Cheapest auto insurance in California for 30-year-olds with poor credit
- 9. Get creative with gifts
- 1099-SA
- 27. Create online courses
- 25. Daycare
- 7. Same-day wire transfer
- Fund your flexible spending account (FSA)
- 11. Monitor financial and medical statements
- 20. Drone videography
- Selling bonds
- 6. Make the right investments
- Does Choice Privileges match elite status?
- 26. Personal chef
- Serve your audience and set small goals
- Our pick for: Prime gaming
- USAA: Best for military and veterans
- 32. Target Circle
- Property and transfer taxes
- Our pick for: Paying rent
- Cons
- 20. Contracted labor
- What should you do if you’re invested in these REITs?
- Boots to Business
- 15. Buy adequate home insurance
- 28. Become a marketing consultant
- Sinkholes
- 26. Brewery or winery
- 21. Cybersecurity or IT consulting
- 24. First-Time Homebuyers Assistance Program (Baytown)
- The Hanover
- Your coverage
- 15. Personal wellness
- 27. Landscape services
- Cheapest auto insurance in Florida for 30-year-olds with one at-fault crash
- 13. Crypto staking
- Best insurance company for discounts: Amica
- Use dependent care flexible spending accounts (DCFSAs)
- Title insurance
- 10. Lower your car costs
- Use multiple strategies
- 27. Hardware store
- Capital One Savor Cash Rewards Credit Card*
- 25. Homebuyer Assistance Program (Galveston)
- Your deductible
- Cheapest auto insurance in California for 30-year-old drivers with one speeding ticket
- 21. Legal and professional fees
- 28. Pet grooming
- Apple Cash: digital card
- Institute for Veterans and Military Families
- 29. Develop an app
- 33. Aveda
- 22. Venture capitalist
- Our pick for: Average credit and no annual fee
- 12. Become a dog walker with Rover or Wag
- 5. Maximizing your credit cards
- 28. Catering company
- Maximize health savings accounts (HSAs)
- 26. Homebuyer Assistance Program (Houston)
- Your claims history
- 7. Price your products
- 11. Reduce your gas usage
- 29. Florist
- 34. BareMinerals
- 1. Lost wallet
- 16. Courses in hobbies or interests
- Cheapest auto insurance in Florida for 30-year-olds after a DUI
- Veteran Women Igniting the Spirit of Entrepreneurship
- Benefits of FHA loans
- 30. Make a smart appliance
- 29. Real estate agency
- 27. First Time Homebuyer's Program (Texas City)
- Your home
- Cash App debit card
- Product creation passive income ideas
- 8. Check, money order or cashier’s check
- 35. Clinique
- 23. Startup incubator
- Nationwide
- Cheapest auto insurance in California for 30-year-old drivers with one at-fault crash
- 30. Massage therapist
- Disadvantages of FHA loans
- 31. Tap into virtual reality experiences
- 30. Event venue and planner
- 2. Mailbox theft
- 28. First-Time Homebuyer Program (Brazoria County)
- Your other policies
- 8. Decide where to sell your clothing line
- 12. Bundle cable and internet
- 13. Sell unused gift cards
- Veteran Institute for Procurement
- 1. Look at customer satisfaction scores
- 36. CVS
- Citi® / AAdvantage® Executive World Elite Mastercard®
- 17. Bookkeeping and accounting
- Winner for lowest fees: Tie
- 14. Write content
- 32. Make a niche dating site
- 31. Tattoo and piercing shop
- 24. Antivirus developer
- 29. Harris County Downpayment Assistance Program (Harris County)
- Individual stocks
- Your dog
- Our pick for: Limited credit
- Erie: Most generous coverage
- 2. Consider financial strength
- 37. e.l.f. Cosmetics
- 3. Using public Wi-Fi
- 13. Switch your cell phone plan
- 31. Nutritionist
- Office of Small & Disadvantaged Business Utilization
- 33. Develop a chatbot
- 32. Veterinary office
- 25. Domain name broker
- Cheapest auto insurance in California for 30-year-old drivers after a DUI
- Cheapest full coverage car insurance in Florida for 40-year-olds
- Our pick for: Target gaming purchases
- 6. Borrowing money
- Best insurance company for customer satisfaction: State Farm
- 3. Evaluate the policy options
- 38. Lancome
- Pros
- 18. Consulting
- 32. Personal trainer or fitness instructor
- 14. List your spare bedroom on Airbnb
- Compare insurance rates for drivers with an accident
- 34. Offer matchmaking skills
- 33. Food truck
- 4. Data breaches
- State Farm
- State and local governments
- 39. Sephora
- 30. Home Closing Cost Program (Corpus Christi)
- Cons
- Dividend stocks
- 14. Reduce your electric bill
- 35. Be a virtual assistant
- 34. Health clinic
- 4. Get prices from a handful of companies
- Delta SkyMiles® Platinum Business American Express Card
- 9. Market your clothing line
- 33. Beauty services
- 15. Publish a digital course
- 9. Cash
- 40. SmashBox
- 5. SIM card swap
- 31. Homebuyer Assistance Program (Corpus Christi)
- Our pick for: Good credit
- Cheapest minimum coverage car insurance in Florida for 40-year-olds
- 35. Bakery
- 15. Lower your student loan payments
- 34. Life coach
- 36. Reinvent exercising
- 41. The Body Shop
- 32. Down Payment Assistance Program (Laredo)
- 19. IT support
- Cheapest full coverage car insurance in California for 40-year-olds
- Car-related passive income ideas
- 6. Phishing or spoofing
- 37. Create eco-friendly, health-friendly makeup and beauty products
- Nationwide: Best online experience
- 42. Ulta
- 33. Homeownership Incentive Program (San Antonio)
- Travelers
- 16. Cancel unnecessary subscriptions
- 15. Sell your gently used clothes
- Best insurance company for military members: USAA
- 35. Tutor
- What is a prepaid debit card?
- Cheapest auto insurance in Florida for 40-year-olds with poor credit
- 16. Wrap your car with ads
- 38. Open a food truck or restaurant pop-up
- Meet a local demand
- 7. Skimming
- United Club℠ Infinite Card
- 34. Home Ownership Program for Employees (HOPE) (San Antonio)
- 20. Graphic design
- Our pick for: Travel
- Cheapest minimum coverage car insurance in California for 40-year-olds
- 17. Refinance your mortgage
- 36. Daycare provider
- 39. Start an organization business
- 43. AMC Theatres
- 35. First Responders Homebuyer Assistance Program (San Antonio)
- 10. Work with an expert
- What is a prepaid credit card?
- 17. Rent out a parking space
- 8. Phone scams
- Our pick for: Walmart gaming purchases
- 40. Do interior design for young professionals
- Scout locations
- 44. Barnes & Noble
- 36. Mortgage Assistance Program (Victoria)
- 18. Set savings goals
- 37. Senior care provider
- Where can you get a prepaid card?
- 16. Trade in old phones, electronics for cash
- Cheapest auto insurance in Florida for 40-year-olds with one speeding ticket
- 10. IRS payment plan or installment agreement
- 21. Social media management
- 45. Redbox
- 9. Looking over your shoulder
- How to compare renters insurance
- Cheapest auto insurance in California for 40-year-olds with poor credit
- 38. Interpreter or translator
- How do you add money to a prepaid card?
- Calculate the costs of starting a business
- Openly: Fewest consumer complaints
- Marriott Bonvoy Brilliant® American Express® Card
- Our pick for: Instant gratification
- 39. Housecleaning
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- 19. Track spending
- 17. Get a babysitting gig
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- 7. Your credit score
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- 1. Gather your information
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- 41. Handyman services
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- Our pick for: Personalized rewards
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- 42. Dry cleaners
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- 22. Create a 50/30/20 budget
- 43. Hardware store
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- 1. Do your research
- 44. Self-storage business
- 19. Sign up for TaskRabbit
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Your credit utilization is simply the portion of your available credit you use, expressed as a percentage. It is the total of balances on all your credit cards divided by the total of all your credit limits. (It's also figured on a per-card basis.) This number is a big factor in your credit score — the less available credit you use, the better it is for your score.
Here’s how to keep your utilization low.
Why is having a low credit utilization important?
Paying your balances on time and in full every month is the best way to keep your score intact or build it. On the other hand, using a larger portion of your credit limit could do damage. Credit utilization accounts for around 20% to 30% of your credit scores.
But if a financial crisis means you have to lean on credit cards, take heart: Credit scores can rebound quickly once you're able to lower your utilization.
How to lower your credit utilization
1. Keep your charges on each card to a minimum
The simplest way to avoid losing credit score points for using too much of your limits is to watch how much you charge to each card. Make a habit of patrolling your online accounts to keep tabs on spending. If you are close to using 30% of your credit limit on one card, try to make a payment or switch to using another card.
Simply getting into the habit of paying twice per month instead of once could help you decrease your credit usage. Lower balances can save you interest if you carry a balance — and are good for your credit score regardless.
You can also monitor your per-card and overall credit utilization by viewing your credit score profile from NerdWallet.
2. Ask for higher credit limits
If it’s tough for you to avoid utilizing more than 30% of your available credit, another solution might be to request a credit line increase on your card or cards. Getting a credit limit increase might require you to call your card issuer or make the request online. Sometimes increases are offered automatically if you’ve had your card for a while and have a positive payment history, so be on the lookout for those offers when you log in to your account.
Another option to get a higher overall credit limit is to ask a friend or relative to add you as an authorized user on an established account. The primary user doesn't even have to give you a card or tell you the account number for your credit score to benefit. Do choose carefully: Being on the account of someone who is having problems with credit could affect your score, too. You want to be on an account showing good payment history, preferably with a high credit limit and consistently low credit utilization.
A higher overall credit limit could help you keep your credit utilization lower than it would be otherwise. This could make a big difference in your credit score. You can check your own credit to see the effect (and it won't hurt your score).
3. Set up balance alerts to stay on top of spending
If you find yourself consistently overspending, setting up balance alerts can help keep your spending in check.
Sign up with your credit card issuer to receive alerts via text message or email. You can choose to be alerted when the balance reaches a certain amount or percentage of your credit limit. Your goal is to keep the balance below 30%.
4. Pay your bill before your issuer reports to the credit bureaus
Most credit card issuers report your balance and payment activity to the credit bureaus once every 30 days. However, this doesn’t necessarily coincide nicely with when your bill is due. If your issuer reports a few days before the end of your billing cycle, you’ll consistently look like you’re carrying a high balance — even if you pay it off in full just a few days later.
Place a call to your card issuer’s customer service line to find out when it reports to the credit bureaus. Simply pay off as much of your balance as you can in advance of that date every month, and you might see a jump in your score.
5. Monitor your total credit utilization
If you have multiple credit cards, it might be hard to view the bigger picture of your credit utilization. Using the calculator below, input your credit card balances and limits to check whether you're under the recommended 30% utilization threshold.
If you’re creeping up to that limit, do your best to pay down your balances and explore ways to stop spending money.