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- 6. Adoption credit
- Hold a co-branded credit card — or two
- 3. Become an authorized user on someone’s credit card
- Applying for an IRS payment plan online
- 5. Southwest Airlines Rapid Rewards
- Promo codes are abundant
- Cover your net worth
- 7. Curate subscription boxes
- 3. The “I Treat All My Children the Same” Strategy
- If you're 59½ or older and the account is at least 5 years old
- 2. Choose an investment account
- Start with a budget
- Conventional mortgages: As low as 3% down payment
- 3. Budget for taxes
- Wi-Fi
- Auto loans
- Fly on the holidays (or as far from it as possible)
- SBA loan closing
- 3. Claiming too many charitable donations
- Defender or DefenderPlus
- You have a lifelong dependent, such as a child with a disability
- Your dollars could become more valuable
- $27.5 billion in SBA 7(a) loans were provided to small businesses
- What I wish I'd done differently
- Formal two weeks’ notice template
- Cons
- 5. Automotive repairs
- 1. Multiply your income by 10
- Pros and cons of 529 plans
- 4. The child can't provide more than half of their own financial support
- 2. Find and compare ETFs with screening tools
- Step 1: Sign up at the TikTok Shop seller center
- Videos
- 3. Expedia
- Managing debt
- 92% of loyal customers ranked price and value for the top reason why they stay loyal to brands
- DTI for VA loan
- Appraisal and inspection fees
- 3. Learn to use AI tools
- If you already have the Chase Sapphire Preferred® Card
- State ombudsman offices
- SALT deduction for property taxes
- The percentage method
- PenFed: Best for a seamless application process
- 5. You must keep your apples and oranges straight
- Best insurance company overall: Travelers
- Average 401(k) match
- How to dispute a medical bill on your reports
- Opt for modest jewelry
- 5. Your purchase plans
- Invoice financing
- Smaller annual fee
- 3. Find out if you’ve pre-qualified for a loan
- Sign-up bonus
- City of Lorain Non-profit Capital & Critical Improvement Fund (NCCIF) Program
- Can you travel domestically with an expired passport?
- 2. Electronic funds withdrawal (EFW)
- 2. Points are easy to earn
- 3. The cost of owning them
- 2. Incorporation fees: Under $300
- Our pick for: Intro APR + high rewards on everyday spending
- Improve your chance of loan approval
- 3. Budget for emergencies
- Fees
- Personal loans
- Imposter scams
- 2. Take a cut with affiliate marketing
- 5. Profits
- Craigslist, Facebook Marketplace, Nextdoor, OfferUp
- 3. Physical/occupational therapy center
- Whether your options have value
- 4. Autozone Inc. (AZO)
- 3. Resort fees aren’t included in “free” hotel nights
- Cities with the top five annual rent price declines or smallest increases:
- 5. Direct-to-consumer (D2C)
- 3. Arrive at the airport two hours early
- Coverage for accidents and illnesses
- Tax advantages
- Discover
- Mutual funds
- Bitcoin pros
- 4. Improve upon existing products
- Fast Break for Small Business
- Major Medical
- 4. Do a background search
- Managing multiple billing cycles
- Book now
- 6. Video production
- 2. You must have owned the home for at least two years
- 1. States with no income tax
- 5. A $50 hotel credit
- 4. Compare (and match) prices
- Documentation
- Equity vs. debt
- Marriott Bonvoy
- The Business Platinum Card® from American Express
- Cons:
- Is rental car coverage primary or secondary?
- If your employer offers a 401(k) match
- Our pick for: Gas station spending
- Uninsured and underinsured motorist coverage
- Size
- Other options if you don’t have enough miles today
- 4. Claim a free meal or overnight accommodation on certain delays
- Here are the current offers on Southwest business credit cards:
- Relax in an airport lounge before your economy flight
- Do tipped workers earn the minimum wage?
- 4. HOME Homebuyers Program (Pensacola and Escambia County)
- Reasons for unfreezing your credit
- Other fuel cards to consider
- 3. Review the investment choices
- 4. Decide how much to invest in AMD
- Check your plan's rules for 401(k) loans
- 3. Don’t use the money
- Step 5: Sign and date your W-4
- 4. Wage and income transcript
- 3. Swagbucks
- 3. Pentagon Federal Credit Union (PenFed) Rewards
- Account growth is tax-free
- Allow up to 50% of your income for needs
- Average annual life insurance rates for men
- Home equity loan pros and cons
- 7. Earned income tax credit
- 3. The RealReal
- Compare lease buyout options
- 6. JetBlue TrueBlue
- Be upfront, honest and specific
- How to unfreeze credit with TransUnion
- How this calculator works
- Deductibles
- 3. Uber Cash benefit
- Earn ANA miles by transferring AmEx points
- Personal property coverage
- Southwest Airlines
- 3. Choose your investments based on your risk tolerance
- FHA loans: As low as 3.5% down payment
- Your lender sues you
- Integrated device manufacturers (IDMs)
- If you are converting your 401(k) to an IRA
- Zengo Wallet: 4.8 out of 5 stars
- 2. Oilfield services
- 4. Watch for scams
- 4. Pay a few months’ rent upfront as a security deposit
- 2. More time means more growth
- Target Circle™ Credit Card
- 5. $300 a year in travel credit
- Goodbudget
- LifeLock pros
- 5. Shop at partners
- 1. Making money
- 1. You'll share responsibility for paying
- Choosing corporate tax status for your LLC
- Intuit TurboTax
- 50% of SBA microloans went to Black- and Latino-owned businesses
- You’ll pay only for the days you need a car
- For passports issued more than a year ago
- Updated: Alaska's Famous Companion Fare™
- There is a pro-rata rule for backdoor Roths
- Hotel award charts make planning high-value redemptions easier
- International travel with an adult
- Small-cap companies: $250 million to $2 billion
- 5. The child can’t file a joint tax return with someone
- Building your credit score
- How long will it take to pre-qualify?
- 69% of consumers say choice of retailer is influenced by where they can earn customer loyalty/rewards program points
- 2. Verify its condition
- 4. The Hilton Honors American Express Business Card
- How does Wag work?
- Cash redemptions
- A strong history of paying bills on time
- Wheels and maneuverability
- Oregon RateAdvantage Home Loan
- Personal loan calculator
- You want cell phone protection
- 5. Pre-qualify with a soft credit pull
- Deductible
- Health insurance deduction
- Pay more on your mortgage
- Baggage allowance
- Why it’s the best
- 4. Select a provider to open your Roth IRA
- Merchant cash advances
- Autotrader
- Example interest checking APYs at select institutions
- You can still earn airline miles
- Unique perks of flying Frontier
- Product liability insurance
- 3. Park Hyatt St. Kitts Christophe Harbour
- Home equity loan
- Scheduled personal property coverage
- 6. Lower risk
- 4. Develop a health care app
- 3. What are my all-in costs?
- Premium tax credit eligibility
- Track your spending
- Stock mutual funds = higher potential returns (or losses)
- ❌ It can be harder to change a booking
- Book with points
- Home equity loans
- Transfer credit card points to a KrisFlyer account
- Oportun
- To review several cruise prices at once: CruiseDirect
- Prepare for a future tax bomb
- Timing credit applications with big future purchases
- 7. Podcasting
- 3. You must have lived in the house for at least two years in the five-year period before you sold it
- LendingTree Spring
- Where Trust Wallet falls short
- 6. Combine points from multiple cards
- Appraisals
- Upsides
- 6. Michigan Veteran Entrepreneur-Lab
- Create social media profiles
- Crashes and car theft
- Invoice financing
- Step 3: Weigh the pros and cons of paying to upgrade your seat
- Workers’ compensation insurance
- 6. Home cleaning
- 2. Calculate the car loan amount you can afford
- 2. Buy 10 times your income, plus $100,000 per child for college expenses
- Size of the AC system
- Pros of debt consolidation
- How do I make sure coverage applies to my rental?
- Oneworld partner airlines
- Step 2: Upload products
- Personal injury protection
- TurboTax
- Where to get auto insurance quotes
- Estimate your potential refinance savings
- 5. SHIP First Time Homebuyers Program (Pensacola and Escambia County)
- 4. Pay your bill before your issuer reports to the credit bureaus
- Cheap car insurance after a speeding ticket
- 5. Research first-time home buyer assistance programs
- Calculate whether you can afford loan payments
- 5. Verification of non-filing letter
- Withdrawals are tax-free
- Money for future passengers who face delays
- Ages 20-24
- Apply natural makeup
- 8. Charitable donation deduction
- Cheapest minimum coverage car insurance in Florida for 20-year-olds
- Applying for an IRS payment plan by phone or mail
- If you’re willing to be loyal to a specific brand
- Montgomery County Economic Development/Government Equity Grant
- 1. Cash dividends
- Geico general liability insurance
- 3. Bonds and bond index funds
- Credit score for FHA loans
- Larger monthly payments
- Mobile payment scams
- Spectrum Business
- Sanaa
- 8. Create an airport-centric app
- United Airlines
- 4. The “Sweat the Biggest Stuff” Strategy
- Flood insurance coverage beyond the NFIP
- 6. Consumer-to-business (C2B)
- Jumbo loans: As low as 5%-10% down payment (varies)
- Average annual full coverage car insurance premium by company
- You value domestic transfer partners
- FICO score ranges
- 5. Provide reference letters
- 6. TSA PreCheck/Global Entry/NEXUS credit
- Does home insurance cover damage caused by your neighbor’s tree?
- Bitcoin cons
- 4. Reporting too many losses on a Schedule C
- 6. Achieve Spirit Airlines elite status
- You want to help your family pay estate taxes
- The benefits of compound interest
- Wellness
- 5. Compare tax preparation fees
- Travel in the offseason
- You travel often and need the perks
- Specialty restaurants
- Citi Dividend
- Capital gains vs. fixed income
- 1. Locking up savings for a near-future purchase
- Candidate pay expectations
- 6. The child has to have a certain residency or citizenship status
- 4. LeafSpring Schools
- Tactic 2: Use points or miles
- Determine exactly what you're looking to rent
- Working toward financial goals
- Delta premium economy luxury amenity kit
- Travel perks at no cost
- Payroll and sales
- 5. Only certain Alaska flight delays are eligible for compensation
- Florida HFA Preferred or Advantage Plus Conventional Loan
- Tips for unfreezing your credit
- Travel redemptions
- Favorable tax treatment
- 4. Compare investment fees
- Step 1: Submit an online application
- Copays and coinsurance
- Our pick for: Online purchases
- SALT deduction for personal property taxes
- Navy Federal: Best for military members
- The pros
- Business mileage
- 6. Your award redemption plan
- 3. Check small-business-for-sale websites
- Can you fly with an expired passport to another country?
- 3. Office space: $100 to $1,000 per employee per month
- 4. Tackle high-interest debt
- You can cancel or change a reservation as per the travel provider’s policy
- 2. Find your niche
- Other types of liability insurance
- Loan term
- 5. Diabetic care center
- Cheapest full coverage car insurance in Texas for 20-year-olds
- Whether your company is public or private
- 4. What are your qualifications?
- 4. Car rental loss and damage insurance
- 1. Find a dividend-paying stock
- 4. Marriott points transfer to 40 airline loyalty programs
- Find ways to save
- You damage your credit
- Fabless semiconductor designers and GPU makers
- Magic Kingdom
- 4. Keep your ID handy
- Unlimited contributions
- 3. Investing can trump saving over the long term
- Same term: If you refinance at 25 years
- 5. Promotional products
- 2. Your credit could suffer if the relationship changes
- IFundWomen Universal Grant Application Database
- Custodial wallets
- Equity REITs
- 2. States with flat income tax rates
- Why it’s the best
- 5. Use shopping tools and apps
- 10.5 million-plus PPP loan recipients submitted forgiveness applications
- Startup loan
- Seller concessions
- 7. IT and computer services
- Dun & Bradstreet business credit scores
- 3. Use the DIME formula
- Installation and labor: $75 to $250 per hour
- 1. Compare DAF sponsoring organizations
- A high-deductible health plan might be right for you if:
- What coverage is included?
- IHDAccess Repayable
- How to use Google Pay
- Earning points
- How to earn Marriott Bonvoy points
- Infographics and other types of written content
- The actual expense method
- North America (domestic flights)
- 3. Make the purchase
- EarnIn: No-credit-check cash advances
- Take surveys
- Mortgage and title insurance fees
- 6. Pensacola Homebuyer Incentive Program (Pensacola)
- 6. Apply with a hard credit pull
- 6. Don’t sell your losers just to get the tax break
- A lawsuit
- Your employer can contribute
- Seats
- 1. Get a brokerage account
- 4. Buy stocks using the right order type for you
- Choose a simple hairstyle
- What does Medigap not cover?
- biBERK workers’ compensation insurance
- 9. Medical expenses deduction
- Superior rewards-earnings
- 4. Compare pre-qualified offers
- Online, mobile banking
- 2. Stock dividends
- 3. Points are easy to use
- Average rates from the biggest auto insurers after an at-fault crash
- Our pick for: Rewards on rent payments
- 4. Consider flipping investment properties
- 4. Check out dividend-paying stocks
- 9. Become a destination wedding planner
- ✅ Stability
- 3. Refining
- 5. Watch for burnout symptoms
- Accident-only coverage
- Home equity lines of credit pros and cons
- Skip the extra legroom
- Buy now, pay later loans
- 6. Offer to start out month-to-month
- Lender
- 7. Extra points on Lyft rides
- LifeLock cons
- 8. IT consulting
- 4. You cannot have claimed the home sale capital gains exclusion recently
- What Trust Wallet is best for
- 7. Transfer points to airline and hotel partners
- Get money back in the form of future flight credits
- Downsides
- Prepare and complete
- 7. National Association for Self-Employed (NASE) Growth Grants
- Some beverages
- You can maximize rideshare discounts on days you don’t need a full rental car
- What hotels will you actually stay at?
- British Airways Avios
- Broker fees
- Emirates Skywards Premium World Elite Mastercard®
- SkyTeam partner airlines
- Saving for and buying a home
- A decent base rate on all purchases
- How to maximize your rewards
- Friend and family loans
- Price
- Chase Sapphire Preferred® Card
- Learn what happens if you leave your job
- Step 3: Request an employee identification number
- 3. Tap your home equity for a loan or line of credit
- The aggregate method
- Home office deduction
- 1. SoFi
- Leave 30% of your income for wants
- Choose term life if you:
- Trezor
- Pros
- Pros of biotech stocks
- 4. Grailed
- United Airlines MileagePlus
- HELOC
- Opportunity cost
- Should you invest in retail stocks in 2023?
- Job scams
- Private mortgage insurance
- Understanding your results
- Privacy
- 7. Built-in customer base
- Poshmark
- 6. Home health care service
- Health care FSA
- ❌ You may not receive elite benefits
- Epcot
- Average annual full coverage car insurance premium by age
- VantageScore ranges
- Goal targeting
- TIPS funds
- Does homeowners insurance cover tree damage to your neighbor’s property?
- 5. Deducting too many business expenses
- Mortgage REITs
- Use credit card points and miles
- 3. States with progressive tax structures
- Expensify
- 6. Buy online, pick up in store
- Damage you do to others
- Business line of credit
- 2. Keeping some savings at a distance
- Professional liability insurance
- Find preapproved auto loans
- Savings accounts
- A low- or no-deductible health plan might be right for you if:
- How do I access a HELOC?
- What isn't covered?
- Redeeming points
- 3. Place the trade
- White papers, e-books and presentations
- Other perks of Delta premium economy
- Prior claims
- 5. Marriott Bonvoy Brilliant® American Express® Card
- Participate in the dining program
- 7. Purchase Assistance Program (Panama City)
- What are the requirements for Wag?
- Holding period
- Ultimate Rewards® points are your preference
- 4. Fiverr
- 2. Research
- Southwest fined for meltdown
- Revocable life insurance trusts
- 10. Deduction for state and local taxes
- Traveling with expired passport rules during COVID
- 3. Dividend reinvestment programs (DRIPs)
- 4. Inventory: 17% to 25% of your total budget
- Travel packages can save you money
- 4. Grand Hyatt Kauai Resort & Spa
- Net worth of U.S. families by income
- 3. Land a brand deal and make sponsored content
- Whether it fits with your financial situation
- 5. How will our relationship work?
- 5. The ability to transfer points
- 10. Make local guides
- Earn ANA points by transferring Marriott points
- ✅ Credit card rewards
- Semiconductor foundries
- Bond mutual funds = lower returns (but lower risk)
- 5. Wear easy-to-remove shoes
- Book a Oneworld multi-carrier award flight
- You prefer booking flights directly through the airline
- 7. Get a co-signer or a roommate with strong credit
- 4. The tax advantages are prime for kids
- Sesame Cash
- Type of SBA loan
- 8. DoorDash discounts
- Index funds
- Shorter term: If you refinance to 20 years
- You want to diversify your investment portfolio
- 6. Detailed models
- Amber Grant for Women
- 6. Reconsider tax preparers who don't e-file
- Your credit utilization
- 9. Catering
- 5. You cannot have bought the house through a like-kind exchange
- $7.3 billion in bonded contracts were awarded to small businesses
- 8. Small Business Innovation Research and Small Business Technology Transfer programs
- Casino and entertainment
- Filing your LLC articles of organization
- Andover Companies: Best coverage
- 8. Pet store, grooming and boarding
- Free checked bag
- Winner: Alaska
- International travel as an unaccompanied minor
- Cons of debt consolidation
- 2. Contribute cash or other assets to the donor-advised fund
- Hilton Honors
- How to maximize your rewards
- 4. Take surveys for money
- 5. Consider contributing enough to get any employer match
- 5. Monitor your total credit utilization
- Oregon Cash Advantage Home Loan
- 6. Compare mortgage rates and fees
- Consider alternatives
- 4. Alert authorities to fraud
- SALT tax deduction 2023
- The details
- 4. Barclays rewards
- 7. Put the cash from the sale to good use
- Self-employment tax
- Use gifts, bonuses and windfalls
- Food and onboard service
- Choose whole life if you:
- Ages 25-34
- 7. What perks come with the card
- biBERK professional liability insurance
- Cons
- Cheapest auto insurance in Florida for 20-year-olds with poor credit
- Singapore Airlines KrisFlyer
- Grants.gov
- Geico professional liability insurance
- 4. You can exchange points for airline miles
- 4. Real estate investment trusts (REITs)
- 5. Plan for retirement
- Commercial auto insurance
- Property taxes
- Conventional loans
- 8. Be your own boss
- Ruby Lane
- Loss of use coverage
- 2. Evaluate the stock
- 5. You can have more than one Marriott credit card
- An example of buying a call option vs. buying the underlying stock
- Guarda: 4.6 out of 5 stars
- 4. Integrated oil companies
- Wellness Rewards
- High-interest installment loans
- Flexibility
- Book a fifth freedom flight
- The winner: It’s a toss-up
- 6. Claiming a home office deduction
- 3. You'll have fewer options
- Manual storage
- Trust Wallet at a glance
- 8. Worldwide acceptance
- 7. Get rewards
- Pros
- What I wish I'd done differently
- 3. Ensuring returns without market risk
- Equifax business credit scores
- Aer Lingus
- 4. Replace your income, plus add a cushion
- Seasonal Energy Efficiency Ratio (SEER) Rating
- Micro- and mega-cap companies
- How much does a HELOC cost?
- What vehicle rentals are excluded?
- Exempt vs. nonexempt employees
- 1. The person can’t be anyone else’s qualifying child
- Best Kauai Marriott hotels
- 5. Genius Kids
- Check your credit card for existing rental car benefits
- Coverage and deductibles
- When are taxes due in October?
- 8. Down Payment Assistance Program (Tallahassee)
- Step 2: Pass the interview
- Cheap auto insurance after an accident
- 7. Make on-time payments to build credit
- Market orders
- Why it’s the best
- Cons of biotech stocks
- 11. Mortgage interest deduction
- 2. Promote your business
- 4. Special dividends
- 3. The Electronic Federal Tax Payment System (EFTPS)
- 1. Diversification
- CarFax
- Los Angeles Hilton hotels
- Tighter range of home affordability
- When are taxes due in October?
- Romance scams
- Net worth of U.S. families by age
- Comcast Business
- 5. Explore new industries
- 7. Medical foot care
- Cheapest minimum coverage car insurance in Texas for 20-year-olds
- Other ways to earn ANA miles
- Dependent care FSA
- Cheapest life insurance companies for smokers in fair health
- Use designated accounts for spending and savings
- Some water damage
- Which is better when?
- 1. You avoid having the IRS do it for you.
- Your money management style
- What if a tree lands on your car?
- Hybrid REITs
- 7. Confirm they'll sign on the dotted line
- How Marriott elites get access to United Silver status
- 10. Social media management
- 6. You cannot be subject to expatriate tax
- Basic economy tickets are typically ineligible
- Excursions
- Launch email marketing campaigns
- Injuries to you
- SBA loan
- What hotels are transfer partners with your existing credit card points?
- 3. Set a target purchase price
- Discounted in-flight purchases
- 3. Itemize on your taxes to get the tax break
- Star Alliance partner airlines
- Podcasts
- Chase Ultimate Rewards® points
- The simplified version
- Salute Our Soldiers Military Loan Program
- How to maximize your rewards
- How much does Wag pay?
- Size
- You want 1:1 transfer partners
- Why you might roll a 401(k) into an IRA
- The cons
- You must have a high-deductible health plan
- Pay the security deposit upfront in cash
- Best insurance company for affordability: NJM
- 3. Compare ETFs
- 3. Fill out the trade ticket
- 5. Gather your paperwork
- 4. Look for other advertisements (or put out your own)
- Emirates Skywards
- Program for Investors in Microentrepreneurs
- Our pick for: Everyday spending
- Debt-to-income ratio
- Pay bills on time
- Homeowners insurance
- Jewelry warranties
- California Grill
- 6. What's your investment philosophy?
- 11. Create a local grocery delivery service
- 1. Figure out your gross income
- Subscriptions
- Outsourced assembly and testing (OSAT)
- Money market mutual funds = lowest returns, lowest risk
- Hollywood Studios
- You enjoy squeezing value out of travel credits and benefits
- 5. The money can be used for more than retirement
- SBA loan purpose
- 9. No foreign transaction fees
- TreasuryDirect
- Longer term: If you refinance to 30 years
- Deductibles
- National Association for the Self-Employed Growth Grant
- 1. Individual stocks
- Your payment history
- 1. Have a goal for your index funds
- Why it’s the best
- Rocket Money
- 8. Score free stuff
- 22% of businesses are owned by women
- You are a budget-conscious traveler
- 9. Southern California Job Creators Grant
- What is the Global Entry interview like?
- Inverse performance
- Cybersecurity liability insurance
- 9. Salon or barbershop
- Closed-loop cruises
- Air France-KLM Flying Blue
- The right savings rate
- Perkins loans
- How long will the rental be covered?
- 2. The person has to be related to you or live with you
- UBS Visa Infinite Card
- Step 3: Sell
- Maintaining financial health
- H&R Block
- Central America
- 6. Know all of your options during a flight delay
- See how APYs have moved at high-yield accounts versus regular accounts
- 9. Down Payment Assistance Program (Leon County)
- Alternative minimum tax
- Step 4: Acquire business licenses and permits
- Why is there a SALT cap?
- Earmark one partner’s salary
- Commit 20% of your income to savings and debt paydown
- Compare car insurance rates for 35-year-olds
- Schedule 1: Additional income and adjustments to income
- Irrevocable life insurance trusts (ILITs)
- Ledger
- Other insurance available from biBERK
- 12. Gambling loss deduction
- Stay during promotions
- First trimester
- 5. Preferred dividends
- 5. If you have high-tier Marriott status, you get free United Airlines Premier Silver Status
- 2. Low cost
- 5. Marketing: Below 10% of your total budget (even 0%)
- Rewards expire in a year
- 5. Alila Villas Uluwatu
- Debt management plan
- Debt scams
- Net worth of U.S. families by race or ethnicity
- Etsy
- 8. Drug treatment/rehabilitation center
- 3. Decide how much stock you want to buy
- 6. Marriott credit card perks go beyond mere points
- FSA balances will expire
- Make a plan to pay off debt
- Damage to certain items and parts of your home
- Make Money
- ❌ It may be more expensive
- 5. Master limited partnerships
- 2. You can pay your tax bill in installments.
- Additional standard deduction 2023 (taxes due 2024)
- Book one to three months in advance
- Bonus features
- 7. Using nice, neat, round numbers
- For budget-friendly options: Priceline
- 7. E-commerce supplier
- 8. Check if they would have your back
- Full details about Trust Wallet's ratings
- Tickets booked with an online travel agency might be tricky
- Step 2: Register your business
- No foreign transaction fees
- Delta SkyMiles® Reserve American Express Card
- What's next?
- Webinars
- 6. The Platinum Card® from American Express
- Disability housing grants
- Shop online
- You redeem points to book travel
- 2024 Medicare Part D IRMAA
- 5. Vestiaire Collective
- 5. Formally apply to get your money
- British Airways Executive Club
- America’s Seed Fund
- 6. Optimize your finances with tax planning
- 3. Understand your market
- You can use credit card benefits to travel in basic economy
- Keep credit utilization below 30%
- HOA fees
- 4. Sell some merch
- 5. Rent out a room
- Whether it makes sense for your taxes
- 12. Start a virtual event planning company
- 2. Find your adjusted gross income
- 3. Learn the difference between investing in stocks and funds
- Review your business finances
- Semiconductor distributors
- Exodus: 4.5 out of 5 stars
- Loss potential
- MoCaFi
- Capital One
- 10. Airport lounge access
- How to protect your home from tree damage
- Reimbursement amounts
- Bizee’s Fresh Start Business Grant
- 2. Mutual funds
- Publicly-traded REITs
- Your credit age
- 11. Business planning service
- 9. Coverage if your trip is canceled or delayed
- 9. Leave items in your cart
- Cons
- 21% of businesses are minority-owned
- Gratuities
- Itemize your deductions using credit card tools
- Experian business credit scores
- Pros
- 1. Examine your cooling needs
- Roth IRAs
- HEAL loans
- What if I don’t have personal auto insurance?
- If your employer doesn’t offer a 401(k) match
- 4. Sit back and relax
- Our pick for: Simple cash back
- 6. The Learning Experience Academy of Early Education
- Consider using search aggregator apps for renting a car
- Saving and investing for retirement
- What do I need for my loan application?
- Afterpay: No-credit-check buy now, pay later loans
- 6. Decide whether you want to supplement your savings outside of a 401(k)
- U.S. Bank Altitude™ Reserve Visa Infinite® Card
- 7. Gather your loan paperwork
- 5. American Express Membership Rewards
- Sole proprietorship taxation: Income and self-employed taxes
- 2. LendingClub
- 4. Make the trade
- Ages 35-44
- Individual biotech stocks
- 13. IRA contributions deduction
- 5. Stay in touch with your network
- 6. Dividend funds
- 1. Decide on an account type
- 3. Strong long-term returns
- You must pay in advance to use a promo code
- Bankruptcy
- Net worth of U.S. families by education
- 6. You’re not paying for superfluous benefits
- Liability coverage
- 4. Determine the best asset allocation for you
- White-labeling
- Animal Kingdom
- WANT TSA PRECHECK FOR FREE?
- 3. The government might owe you money.
- Additional standard deduction 2024 (taxes due 2025)
- Capital One® Walmart Rewards™ Mastercard®
- Undisclosed financial issues
- Exchange-traded funds
- Account linking
- The premiums are expensive
- 2. Research index funds
- 2023 tax rates by state
- Pay the fee or get a fee waiver
- 10. Stephen L. Tadlock Veteran Grant
- After you're approved for Global Entry
- Your stolen stuff
- Purchasing a Plumeria Lounge day pass
- 1. Use a CD ladder
- What brands (and perks) align with your travel style?
- 10. Gas station
- Emirates Skywards
- Labor laws
- 5. Make money from your blog with affiliate links
- Durability and security
- Step 3: Review their franchise agreement
- Step 5: Check on your business employer requirements
- 4. Borrow from your 401(k)
- 1. Review your W-4
- 5. Upwork
- Place a debit card hold
- Schedule 2: Additional taxes
- Cheapest auto insurance in Florida for 20-year-olds with one speeding ticket
- Iberia Plus
- WomensNet Grants
- Oceania Club elite status tiers
- 6. You can give yourself a ‘points advance’
- 1. Earn elite status
- 5. Money market funds
- Example CD APYs at select institutions
- Workers’ compensation
- Keep credit accounts open
- Student loan scams
- Government-backed loans
- Jewelry service plans
- Frontier
- Predictability
- 9. Childbirth services
- Cheapest auto insurance in Texas for 20-year-olds with poor credit
- 7. What asset allocation will you use?
- Most of your basement
- Eureka
- ❌ Last-minute cancellation risks
- 1. Think long term versus short term
- Add a stopover (or two)
- Coverage limits
- 2. Managing money
- How United elites get access to Marriott status
- 12. Tax consulting
- 10. Baggage delay insurance
- 10. Sign up for the mailing list
- 21.7% of business owners are immigrants
- You are strategic with rewards
- Medical care
- Consider paid advertising
- Step 4: Check to make sure your seat selection is OK
- Commercial auto insurance
- Land or sea border crossings
- Cons
- 2. Time it right
- The magic of compound growth
- 4. Help your donation grow
- How does coverage vary for international rentals?
- How to earn Hilton Honors points
- Mini CD ladder
- TurboTax
- South America
- Native American Direct Loan
- How to get paid on Wag
- Payday alternative loans
- Oregon Down Payment Assistance
- Why you might not want to roll a 401(k) to an IRA
- Schedule C
- Government bonds
- Resident status rules
- 6. Pick your investments
- 14. 401(k) contributions deduction
- Plan group events or meetings
- 2. Choose the right broker
- 6. Website: Around $40 per month
- CarGurus
- Down payments and gift funds
- Hotel elite benefits aren’t recognized
- Debt settlement
- 1. Restricting regulations
- 1. 'I’ll wait until the stock market is safe to invest.'
- Swappa, Gazelle
- 13. Sell zero-waste products
- Develop good credit habits
- Disney’s Typhoon Lagoon Water Park
- 4. You can avoid problems getting a loan.
- Public non-traded REITs
- Money Manager
- Cancel for Any Reason insurance can help
- 11. Feed the Soul Foundation's Restaurant Business Development Program
- 2. Open a no-penalty CD
- 11. Grocery store
- Etihad Guest
- 3. The person’s gross income is below the limit
- Goals: Keep them realistic
- American Express Membership Rewards points
- Participate in promotions
- Florida Assist Second Mortgage
- 10. Down Payment Assistance Program (Gainesville)
- Card-to-card points transfers
- Fleet expense management tools
- When dining out
- Cheapest car insurance after a DUI
- Use miles to save cash
- Limit orders
- Ages 45-54
- Second trimester
- 6. Andaz Mayakoba Resort Riviera Maya
- Space out credit applications
- Social Security scams
- 5. Offer memberships
- Our pick for: Opt-in text redemptions
- Domestic flights on ANA
- Talk to your lender
- Coinbase Wallet: 4.4 out of 5 stars
- Pros:
- 2. Look into tax-loss harvesting
- You enjoy the red carpet treatment
- Withdrawal restrictions
- 11. Luxury hotel benefits
- Security
- Venmo Small Business Grant
- 3. Index funds
- 1. Avoid filing your tax return on paper
- 11. Rental car coverage
- 11. Use referral programs
- Think twice before paying taxes with a credit card
- Taxes
- Appraisal fee
- Watch the calendar
- 3. Look for equipment rebates and tax credits
- Parent PLUS loans
- Uneven splits
- Interior storage space
- 8. Get a preapproval letter
- 6. Capital One Rewards
- Look at nonchain hotels
- Schedule 3: Additional credits and payments
- Biotech stock ETFs
- A note: Birthday elite night credits are on pause
- Kitty Fund Mompreneur Business Grant
- 7. Stay for five, pay for four
- 2. Use credit card statement credits to offset Frontier seat fees
- 7. Invest to build your future goals
- If you wish to cancel or change a booking, you have to go through Orbitz
- Perks await when you fly economy with elite status
- 1. Automate transfers
- 10. Medical billing service
- 14. Make products for pets
- 3. Add back certain deductions particular to MAGI
- Living expenses if you can’t stay at home
- InboxDollars Surveys
- Disney’s Blizzard Beach Water Park
- 5. Safeguard your Social Security.
- Set a price alert
- Dave
- The cash value is slow to grow
- 8. Pill production
- Submit every year
- Small businesses in the leisure and hospitality industry experienced a 9.6% loss in establishments
- What I wish I'd done differently
- Laundry
- What happens if you are declined?
- Chubb: Best for high-value homes
- 3. Try a bump-up CD
- Iberia Plus Avios
- What is the procedure for filing a claim?
- Reimbursement
- How to use Samsung Pay
- 4. You have to provide more than half the person’s total financial support for the year
- Open a business bank account and credit card
- Budget: Factor in all the costs
- 7. All About Kids
- Most popular
- 7. The Business Platinum Card® from American Express
- 11. SHIP Down Payment Assistance (Alachua County)
- Step 4: Undergo their multi-week training program
- 2. Make sure your bonus is actually taxable
- Bring a snack (just in case)
- The insurer of last resort: Citizens Property Insurance Corporation
- 15. Saver’s credit
- 3. Sell your castoffs
- A few other fee-related details to note
- Dividend per share (DPS)
- Los Angeles Marriott hotels
- Monitor your credit reports
- 2. 'I’ll buy back in next week when it’s lower.'
- Medical payments coverage
- On-demand printing or manufacturing
- Pros of investing in semiconductor stocks
- Cons:
- Discover
- 2. Get direct deposit
- 3. Pick your index funds
- 13. PR agency
- 12. Travel assistance
- 12. Write a review
- 12. Chicagoland Job Creators Quest Grant
- Discount points
- Set cash aside
- 5. Pick charities to support
- World of Hyatt
- Best Maui Marriott hotels
- Tactic 3: Use your military benefits
- Europe
- What does P2P mean?
- 6. Sell your wares on Etsy
- How to have more taxes taken out of your paycheck
- Wash sale rules
- How quickly could the IRS implement the child tax credit expansion?
- Consider vacation rentals
- Ages 55-64
- Cheapest auto insurance in Florida for 20-year-olds with one at-fault crash
- Third trimester
- Military Entrepreneur Challenge
- 3. Open the account
- 4. Debit card
- Medicare scams
- Stocks
- Cheapest auto insurance in Texas for 20-year-old drivers with one speeding ticket
- Hoop-Dee-Doo Musical Revue
- 15. Create custom clothing
- International flights on ANA
- Invest in your financial future
- Vehicles
- ❌ Strict cancellation policies
- 3. Hold the shares inside an IRA, a 401(k) or other tax-advantaged account
- Rebook if you find a cheaper price
- Investment restrictions
- 12. Cardholder hotline
- Options
- Customer support
- For booking travel experiences beyond the cruise: TripAdvisor
- 9. Medical implants
- Private REITs
- AndroMoney
- Retail business applications increased by 87%
- Spa services
- Commercial umbrella insurance
- 12. Drugstore
- Qantas Airways
- Coverdell education savings accounts
- Other general-purpose travel card reviews
- 12. Homebuyer Assistance Program (Volusia County)
- Chase Dining
- Citi Prestige® Card
- Credit unions
- Our pick for: Cell phone and internet bill payments
- The details
- Appendix: How the math works in our examples
- 3. Use tax deductions
- 3. Upgrade
- Invest in noise-canceling headphones
- Part-year resident status rules
- 16. Health savings account contributions deduction
- Gather all the information you need to move forward
- Dividend yield
- 6. High-yield savings accounts
- 7. Office furniture and supplies: 10% of your total budget
- Our pick for: Flat-rate travel rewards
- 8. Grow your financial well-being
- FHA appraisal
- Example money market account APYs at select institutions
- AT&T Business
- Pharmacy choice
- 11. Nutritionist/dietitian
- 8. What investment benchmarks do you use?
- Google Opinion Rewards
- Work with a professional
- Cons of investing in semiconductor stocks
- 6. Respect other passengers' space
- Embrace surgery coverage
- The cash value rate of return can be low
- The Amplifier Grant
- 3. Stay on top of things
- 13. Purchase protections
- 13. Dispute charges
- Traditional marketing
- Use your refund to pay down debt
- Home equity loan
- Look for outside funding
- Audience: Review your target audience
- What is P2P payment?
- How to transfer points from Chase to Southwest
- 401(k) hardship withdrawals
- 6. OfferUp
- 7. Citi ThankYou Points
- Schedule SE
- Best insurance company for accident forgiveness: Geico
- Cars.com
- 7. Hôtel Du Palais Biarritz
- Tax scams
- 2. Count your coins and bills
- 2. Initial cost
- 3. 'I’m bored of this stock, so I’m selling.'
- An example of selling a call option
- Dropshipping
- Trust Wallet: 4.3 out of 5 stars
- Tax changes
- The winner: Capital One
- 13. Access to unique, cardmember-only events
- 14. Professional organizing
- Wireless internet
- Escrow account funds
- Consider using a retirement account
- Singapore Airlines
- Delta SkyMiles® Reserve Business American Express Card
- Florida HLP Second Mortgage
- 13. Affordable Home Ownership Assistance Program (Daytona Beach)
- Benefits
- Wheels and maneuverability
- Step 5: Prepare for your grand opening
- 9. Choose a real estate agent carefully
- How to have less taxes taken out of your paycheck
- 5. Enter a debt management plan
- 4. Contribute to a tax-advantaged account
- Cost basis calculations
- Consider a light blanket
- 17. Self-employment expenses deduction
- 4. Earn badges through Live videos
- 4. Fund the account
- Travel packages aren’t flexible
- Bonds
- Pros of a 203(k) loan
- 16. Sell vintage clothing online
- 7. You’ll need high credit to improve your chances of approval
- 5. Rebalance your investment portfolio as needed
- 4. Set a budget for your stock market investment
- ❌ Costs
- 4. Call in a pro
- M1
- Figo surgery coverage
- User experience
- You can’t control your portfolio
- 10. Prosthetics
- 14. Customer service without the wait
- Transportation and warehousing business applications grew by 100.7%
- 13. Beyond Open Small Business Grant Program
- The risks and rewards of each
- Step 3: Price your services
- 13. Antique or thrift store
- Winner: Tied
- Content: Focus on quality
- 8. KidsPark
- Chase Experiences
- Cheapest auto insurance for poor credit
- Labor and delivery
- 8. Utilities: Around $2 per square foot of office space
- Travelers vs. Allstate home insurance
- Investment scams
- 12. Alternative health care
- Swagbucks
- Be flexible with destination, airport and dates
- FedEx Small Business Grant Contest
- 4. One more thing to know about your tax refund
- 4. Decide where to buy your index funds
- How to transfer Marriott points to United miles
- 15. Photography
- 1Money
- After filing
- Experiential marketing
- Key person insurance
- Virgin Atlantic Flying Club
- Tax-efficient strategies
- Pros of a higher credit limit:
- How to earn Hyatt points
- 7. Self-publish an e-book
- Drawbacks
- Online lenders
- Additional taxes
- Corporate bonds
- Call and ask
- Nonresident status rules
- Dollar-cost averaging
- 18. Home office deduction
- Cheapest auto insurance in Florida for 20-year-olds after a DUI
- Ohio Small Business Development Centers (SBDC)
- 9. Estate planning: Protect your financial well-being
- 4. Register your clothing business
- 3. Prep for grocery shopping
- Cons of a 203(k) loan
- 3. Ongoing investment
- Cheapest auto insurance in Texas for 20-year-old drivers with one at-fault crash
- Where is the best place to exchange currency?
- 9. Who is your custodian?
- 17. Begin niche blogging
- Partner flights
- 8. Your shopping habits can decide the best card for you
- Wholesaling and warehousing
- 7. Have a backup plan ready
- Pets Best surgery coverage
- Reviews
- Past years' state tax rates
- What I wish I'd done differently
- Allianz Global Assistance
- Flood determination and monitoring fees
- 14. Fitness studio or gym
- Home equity line of credit
- Head of household filing status
- Our pick for: Flexible rewards and a bonus
- Tracking: Identify key metrics
- Africa
- 10. Narrow down your ideal type of house and neighborhood
- How to use a W-4 to owe nothing on a tax return
- 8. Bank of America® rewards
- Evaluate the price of the business
- What to know about pre-qualifying with bad credit
- Dividend payout ratio
- 5. Help your kid decide what to invest in
- 7. CDs
- Los Angeles Hyatt hotels
- How do you get a perfect credit score?
- Mutual funds
- Whispering Canyon Cafe
- More ways to pay
- Individual semiconductor stocks
- MetaMask: 4.0 out of 5 stars
- Gap Good Rewards Mastercard® Credit Card
- There can be tax implications if you withdraw cash from your policy
- Tory Burch Foundation Fellows Program
- 4. Exchange-traded funds
- 1. Live in the house for at least two years
- 23% of business owners cite inflation as their single most important problem
- 14. Bizee Fresh Start Business Grant
- Cons of a higher credit limit:
- Price
- 5. Defer your bonus
- 8. Whether Capital One miles expire
- 19. Educator expenses deduction
- Freshen up your merchandise
- SCORE
- 9. Payroll: 25% to 50% of your total budget
- Mortgage insurance
- Our pick for: A quicker welcome bonus
- 13. Health information website
- How do I find a currency exchange near me?
- ❌ No loyalty program
- Stash
- Capital One
- To match with a vacation planner: Avoya Travel
- 16. Event space
- Bonzah
- Government recording fees
- CDs or U.S. savings bonds
- Child tax credit
- Middle East
- American Airlines credit cards
- Delta Airlines credit cards
- JetBlue credit cards
- Southwest Airlines credit cards
- United Airlines credit cards
- Other airlines' credit cards
- How to maximize your rewards
- 14. Down Payment Assistance Program (Orange County)
- 7. Poshmark
- 4. Universal Credit
- 5. Build a community
- Edmunds
- Travelers vs. Geico home insurance
- BriteCo
- 4. Potential for conflict
- 10. What tax hit do I face if I invest with you?
- 18. Become an e-book writer
- Save
- Wildfires
- 11. Rapid prototyping
- 2. See whether you qualify for an exception
- 40% of small-business owners note trouble filling jobs
- 15. Venmo Small Business Grant
- Country Financial: Best for using an agent
- Directors and officers insurance
- 15. Tutoring business
- AeroMexico
- Soft vs. hard credit inquiry
- Florida Mortgage Credit Certificate Program
- How to maximize your rewards
- Home equity loans and lines of credit
- Capital One Venture X Rewards Credit Card
- 20. Solar tax credit
- Minority Business Assistance Centers
- Property-based passive income ideas
- 1. Become a World of Hyatt member to earn Hyatt points for your stay
- Exchange-traded funds
- Where can you exchange currency for free?
- Is my home at risk of flooding?
- 5. Buy index funds
- 17. Interior decorating
- Rental Cover
- Spring road trip? Save money at the pump
- Loan-origination charges
- Cash-out refinance
- Pros
- Child and dependent care tax credit
- 9. Primrose Schools
- Asia
- 15. Dare to Own the Dream (Tampa)
- 8. Get advertising revenue from your blog or YouTube channel
- Prior management and leadership experience
- Step 6: Sign up for business banking
- Take clear photos
- 5. Credit card
- 14. Medical supply sales
- Cheapest auto insurance in Texas for 20-year-old drivers after a DUI
- 5. Focus on investing for the long-term
- Semiconductor stock ETFs
- 1. Choose a stockbroker
- 14. Purchase protection
- 12. Electronic assembly
- 3. Keep the receipts for your home improvements
- Other details you should know about Trust Wallet
- 16. U.S. Chamber of Commerce America's Top Small Business Awards
- 16. Ice cream shop
- Cathay Pacific
- Payday lenders
- 21. Energy efficient home improvement tax credit
- How to earn Oceania Club credits
- Our pick for: Customizable bonus categories
- 2. Use a Hyatt credit card during your stay to earn even more points
- 4. Minimize restaurant spending
- 5. Lack of financial privacy
- 19. Start ghostwriting
- Other ways to redeem ANA Mileage Club miles
- Expand your coverage with endorsements
- Electrum: 2.5 out of 5 stars
- Acorns
- Discover
- 3. Building a budget
- 18. Woodworking or furniture building
- 73% of business owners feel the impact of supply chain issues
- Sure
- Renting a car? Take advantage of rental insurance benefits
- Mortgage insurance or fees for government-backed loans
- Cons
- Earned income credit
- Stay true to your brand
- Best Big Island Marriott hotels
- Cryptocurrency pros
- 16. East Tampa CRA Down Payment Assistance Program (Tampa)
- Compare car insurance rates for drivers with a DUI
- Best insurance company for having few customer complaints: American Family
- Close the deal
- Cheapest full coverage car insurance in Florida for 30-year-olds
- Confirm the grant is available
- 8. Buy a rental property
- 10. Professional consultants: Between $1,000 and $5,000 per year
- Complete financial plan and investment advice
- Invest
- Earthquakes
- 15. Return protection
- 17. EBay Up & Running Grants
- Step 4: Obtain business permits, licenses, and insurance
- 17. Dry cleaner
- 1. Decide what type of investor you are.
- More from NerdWallet
- Oceania
- No-credit-check loan example
- Chase Sapphire Preferred® Card
- Full-time availability
- 11. Stick to your budget
- 5. Optimize your stock portfolio
- 22. Electric vehicle tax credit
- Write an honest description
- How to redeem points
- 5. Design and source the clothes for your line
- 15. Stylish uniforms for medical professionals
- 20. Become a resume writer
- 2. Fund your account
- Pay off debt
- 6. Keep an eye on your index funds
- Is Trust Wallet right for you?
- 65% of small-business owners expect revenue to increase
- Traveling abroad? Watch for foreign transaction fees
- Choice Hotels
- Personal loan
- Adoption credit
- Keep it relevant, useful and authentic
- Best Western credit cards
- Hilton credit cards
- Hyatt credit cards
- IHG credit cards
- Marriott credit cards
- Wyndham credit cards
- Other hotel credit cards
- High-interest installment lenders
- The details
- California earned income tax credit (CalEITC)
- Be aware of key dates
- GemShield
- Flooding
- 16. Extended warranty
- How to transfer United miles to Marriott points
- 19. Graphic design
- 18. Grants.gov
- Pest inspection
- 18. Bookstore
- Lean FIRE
- Trusts
- 10. Kids ‘R’ Kids Learning Academies
- Cryptocurrency cons
- Transfer points from Diners Club
- Cheapest car insurance for young drivers
- 5. Oportun
- 9. Rent out your own house
- Specialized guidance and/or want to meet with an advisor face-to-face
- Used Car Search Pro by iSeeCars
- Home purchase: Basic Home Mortgage 203(b)
- 5. Get discounts on entertainment
- Our pick for: Discounts at checkout
- 1. Access to capital
- 16. Hearing aid dispensary
- 21. Open a coworking space
- How to get ANA status
- 6. Manage your stock portfolio
- Albert
- To book a vacation package with an airline or hotel
- 13. Sustainable, customized fashion
- 55% of business owners expect all accepted payment methods to eventually become digital
- Hawaiian Airlines Hawaiian Miles
- Winner: Alaska
- Customize your content for each channel
- 9. Become an Instagram influencer
- Our pick for: Maximized value
- California young child tax credit (YCTC)
- 6. Know when to sell stocks — and when not to
- Price clothes to sell
- Review eligibility requirements
- Pay off debt
- 3. Do your research
- The winner: Discover, by a nose
- Avoid taking on more debt
- 20. Clothing boutique
- How we review crypto wallets
- Prepaid expenses
- 19. Bed and breakfast
- Buy wine with Laithwaites
- 17. Homeownership Assistance Program (Miami-Dade County)
- Cash advance apps
- Capital One Venture Rewards Credit Card
- Excellent financial history
- 1. Has the W-4 form changed?
- Cheapest minimum coverage car insurance in Florida for 30-year-olds
- FHA refinance loans
- 17. Respite care service for caregivers
- Cheapest full coverage car insurance in Texas for 30-year-olds
- Won’t the government help?
- MyLowe’s Rewards Credit Card
- 4. Saving money
- 21.6% of small businesses cite a large negative effect on business due to the pandemic
- 19. GrantWatch
- Fat FIRE
- Fully utilize content
- 12. Make the most of walk-throughs and open houses
- California child and dependent care tax credit
- 10. Get a roommate
- Portfolio management only
- 6. Map out major purchases
- 2. Efficient growth
- 22. Become an online coach
- 4. Buy the stock
- 17. Rental car coverage
- Wait to apply
- 14. Customized glasses frames
- 21. Bed and breakfast
- 20. Floral shop
- Hilton Honors
- Our pick for: Worldwide acceptance
- Order gourmet gifts from Harry & David
- 18. First-Time Home Buyer Program (Hallandale Beach)
- Chase Sapphire Reserve®
- Be available for training
- Consider funding alternatives
- 11. Insurance: Average of $1,200 per year
- 18. Medical marijuana dispensary
- Step 5: Secure startup funding
- Tax monitoring and research fees
- Barista FIRE
- Winter weather
- 2. What does it mean to be exempt from taxes?
- California adoption cost tax credit
- 6. Mobile via IRS2Go
- Alternative investment passive income ideas
- Jewelers Mutual
- 23. Flip failing websites
- Repeat
- Monzo
- 18. Trip cancellation or interruption insurance
- 22. Food truck
- NJM: Best small regional insurer
- 21. Gardening and landscaping
- 2. Choose how much you want to invest.
- In-flight entertainment
- 11. Adventure Kids Playcare
- How much are car insurance quotes?
- Get meal kits delivered from Home Chef
- 10. Monetize your Twitch channel
- Our pick for: Bank of America® customers
- FHA renovation loans
- 3. Minimal employee supervision
- Ledger: 5.0 out of 5 stars
- Capital One
- 15. Make your own art
- Title-related costs
- JetBlue TrueBlue
- Cheapest auto insurance for senior drivers
- 6. Capital Good Fund
- Hurricanes and tropical storms
- Best insurance company for financial strength: Auto-Owners
- California nonrefundable renters tax credit
- Above-the-line deductions
- Cheapest auto insurance in Florida for 30-year-olds with poor credit
- TrueCar
- 7. Restrict online shopping
- How do I start a health care business?
- Cheapest minimum coverage car insurance in Texas for 30-year-olds
- 24. Become a web developer
- ANA Mileage Club elite status tier levels
- 96% of small-business owners have business bank accounts
- Flooding
- 13. Don’t skip the home inspections
- 11. Peer-to-peer lending
- Other specialty FHA loans
- 19. Trip delay reimbursement
- 23. Restaurant or cafe
- 22. Nail salon and spa
- 3. Gather your paperwork.
- Marriott Bonvoy
- Buy now, pay later
- 12. Taxes: Variable, but 21% corporate tax rate
- Our pick for: Existing cardholders
- 4. Increased brand awareness
- How do I start a home health care business?
- 25. Start a podcast
- Veteran Business Outreach Centers
- Chase Freedom Flex℠
- 3. When should I review my W-4?
- Below-the-line deductions
- Trezor: 4 out of 5 stars
- Greenlight
- 20. Lost luggage reimbursement
- 16. Custom-made tools
- 24. Craft brewery
- 60% reported no impact from recent bank failures
- 23. Photography
- No free Wi-Fi
- 12. Lightbridge Academy
- Use the Southwest Rapid Rewards Shopping site
- American Express® Gold Card
- 6. Partner with a manufacturer
- Lavalier
- 8. Delay purchases with the 30-day rule
- 5. Reduced risk
- How do I write a business plan in health care?
- 26. Be a social media influencer
- Dividends and preferred stock
- Step 6: Market your window-washing business
- Which factors determine car insurance quotes?
- 11. Sell your photography
- Panera bread
- 14. Negotiate with the seller
- The details
- Compare auto insurance rates for drivers with poor credit
- Pros
- Cheapest auto insurance in Florida for 30-year-olds with one speeding ticket
- 12. Private equity
- Cheapest auto insurance in Texas for 30-year-olds with poor credit
- 21. Medical emergencies during travel
- 17. Rare spare parts
- 24. Clothing boutique
- 4. Pick your investments.
- Winner: JetBlue
- 4. Can I adjust my W-4 multiple times throughout the year?
- 13. Travel: Variable
- Embrace vs. Healthy Paws
- 25. Ice cream shop
- Service-Disabled Veteran-Owned Small Business Program
- Real estate agent commissions
- Skin care
- Get the Southwest button browser add-on
- 7. Same-day wire transfer
- 9. Get creative with gifts
- 27. Create online courses
- SafePal: 3.8 out of 5 stars
- TJX Rewards® Platinum Mastercard®
- AKC vs. Lemonade
- Selling bonds
- 25. Daycare
- Our pick for: Prime gaming
- Our pick for: Paying rent
- Step
- Discover
- 26. Personal chef
- Over half of small businesses have $50,000 or more in their business banking accounts
- USAA: Best for military and veterans
- Property and transfer taxes
- 13. College Nannies, Sitters, and Tutors
- Online loans
- McDonald’s
- 15. Buy adequate home insurance
- Sinkholes
- Cons
- 14. Shipping: Variable
- 1. Loss of complete brand control
- 28. Become a marketing consultant
- Most popular: HO-3 insurance
- Boots to Business
- 26. Brewery or winery
- What should you do if you’re invested in these REITs?
- Chase Freedom Unlimited®
- Best insurance company for discounts: Amica
- Cheapest auto insurance in Florida for 30-year-olds with one at-fault crash
- 13. Crypto staking
- Cheapest auto insurance in Texas for 30-year-old drivers with one speeding ticket
- Nationwide vs. Trupanion pet insurance
- 27. Landscape services
- Title insurance
- Capital One Savor Cash Rewards Credit Card*
- 10. Lower your car costs
- Methodology
- Embrace vs. Trupanion
- 27. Hardware store
- Co-signed or joint loans
- Apple Cash: digital card
- Dunkin’
- 2. Increased potential for legal disputes
- 29. Develop an app
- 28. Pet grooming
- Institute for Veterans and Military Families
- Step 7: Prepare yourself for the day-to-day operations
- 12. Become a dog walker with Rover or Wag
- Look up the insurer’s financial strength
- 7. Price your products
- Broadest coverage: HO-5 insurance
- Majority
- AKC vs. Nationwide pet insurance
- 5. Maximizing your credit cards
- 28. Catering company
- 11. Reduce your gas usage
- 29. Florist
- Secured loans
- Cheapest auto insurance in Florida for 30-year-olds after a DUI
- If you’d rather be a free agent
- Benefits of FHA loans
- 3. Initial investment
- Cheapest auto insurance in Texas for 30-year-old drivers with one at-fault crash
- 30. Make a smart appliance
- Veteran Women Igniting the Spirit of Entrepreneurship
- 29. Real estate agency
- Winner: JetBlue
- Cash App debit card
- Ink Business Preferred® Credit Card
- 8. Check, money order or cashier’s check
- Product creation passive income ideas
- Secure funding
- Nationwide vs. Healthy Paws pet insurance
- Research the insurer’s reputation for customer service
- Disadvantages of FHA loans
- 8. Decide where to sell your clothing line
- 31. Tap into virtual reality experiences
- Limited coverage: HO-1 and HO-2 insurance
- Embrace vs. ASPCA
- Comun
- The winner: It’s a toss-up
- 30. Massage therapist
- 30. Event venue and planner
- Family loans
- 13. Sell unused gift cards
- Citi® / AAdvantage® Executive World Elite Mastercard®
- 1. Look at customer satisfaction scores
- 12. Bundle cable and internet
- 4. Federal and state regulation
- Costco Anywhere Visa® Card by Citi
- AKC vs. Embrace
- Veteran Institute for Procurement
- Individual stocks
- 14. Write content
- 32. Make a niche dating site
- 31. Tattoo and piercing shop
- 2. Consider financial strength
- Cheapest auto insurance in Texas for 30-year-old drivers after a DUI
- Erie: Most generous coverage
- Roth IRA withdrawal rules
- Payment plans
- Get a business credit card
- 13. Switch your cell phone plan
- 33. Develop a chatbot
- Nationwide vs. ASPCA pet insurance
- 31. Nutritionist
- Office of Small & Disadvantaged Business Utilization
- 32. Veterinary office
- Booking Fiji Airways business class with miles
- Ink Business Cash® Credit Card
- Our pick for: Target gaming purchases
- Best insurance company for customer satisfaction: State Farm
- Cheapest full coverage car insurance in Florida for 40-year-olds
- 3. Evaluate the policy options
- Bunq
- 6. Borrowing money
- Roth IRA withdrawal penalty
- Credit union loans
- 14. List your spare bedroom on Airbnb
- Compare insurance rates for drivers with an accident
- 34. Offer matchmaking skills
- 32. Personal trainer or fitness instructor
- 33. Food truck
- Dividend stocks
- Replacement cost vs. actual cash value
- For cruise package deals: Costco Travel
- State and local governments
- Capital Good Fund
- Delta SkyMiles® Platinum Business American Express Card
- 4. Get prices from a handful of companies
- 9. Market your clothing line
- 14. Reduce your electric bill
- 35. Be a virtual assistant
- 34. Health clinic
- 9. Cash
- 15. Publish a digital course
- Totem
- 33. Beauty services
- Cheapest minimum coverage car insurance in Florida for 40-year-olds
- Cheapest full coverage car insurance in Texas for 40-year-olds
- 35. Bakery
- Ink Business Unlimited® Credit Card
- 1. What is the average cost to start a small business?
- 15. Lower your student loan payments
- 36. Reinvent exercising
- 34. Life coach
- Car-related passive income ideas
- Verizon Visa® Card
- 2. How do you calculate startup costs?
- 37. Create eco-friendly, health-friendly makeup and beauty products
- Nationwide: Best online experience
- 15. Sell your gently used clothes
- Best insurance company for military members: USAA
- 16. Cancel unnecessary subscriptions
- Directly with the Cruise Line
- What is a prepaid debit card?
- United Club℠ Infinite Card
- Cheapest auto insurance in Florida for 40-year-olds with poor credit
- 16. Wrap your car with ads
- Cheapest minimum coverage car insurance in Texas for 40-year-olds
- 38. Open a food truck or restaurant pop-up
- 35. Tutor
- Meet a local demand
- 3. Are business startup costs tax-deductible?
- Homeowners insurance deductibles
- 10. Work with an expert
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- 39. Start an organization business
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- What is a prepaid credit card?
- 17. Rent out a parking space
- Standard (nonbank) neobanks
- Our pick for: Walmart gaming purchases
- 4. What is considered a startup cost?
- 40. Do interior design for young professionals
- Scout locations
- 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
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- Cheapest auto insurance in Texas for 40-year-olds with poor credit
- 37. Senior care provider
- How do you add money to a prepaid card?
- Neobanks that are online banks
- 38. Interpreter or translator
- Openly: Fewest consumer complaints
- Calculate the costs of starting a business
- Transfer hotel points
- Marriott Bonvoy Brilliant® American Express® Card
- Which prepaid card is best?
- 11. Figure out how to manage your finances
- Chase Freedom Flex℠
- 39. Housecleaning
- 17. Get a babysitting gig
- Cheapest auto insurance in Florida for 40-year-olds with one at-fault crash
- 19. Track spending
- Cheapest auto insurance in Texas for 40-year-old drivers with one speeding ticket
- Earn Southwest points for stays
- Digital wallets with banking services
- 7. Your credit score
- 40. Automotive repair
- 1. Gather your information
- 20. Pay off high-interest debt
- Book accommodations in the Southwest Hotels portal
- 41. Handyman services
- 18. Rent out your car
- Our pick for: PlayStation purchases
- Cheapest auto insurance in Florida for 40-year-olds after a DUI
- 12. Get funding for your clothing line
- Cheapest auto insurance in Texas for 40-year-old drivers with one at-fault crash
- Fintech firms with cash management accounts
- Prime Visa
- 21. Keep savings in a high-yield savings account
- If you want both brand-specific perks and flexible points
- 42. Dry cleaners
- State Farm: Best perks
- Book stays via Rocketmiles
- 2. Choose the right liability car insurance coverage levels
- 22. Create a 50/30/20 budget
- 43. Hardware store
- Cheapest auto insurance in Texas for 40-year-old drivers after a DUI
- Discover it® Cash Back
- 19. Sign up for TaskRabbit
- 44. Self-storage business
- Cheapest full coverage car insurance in Florida for 50-year-olds
- 1. How much does it cost to start a clothing line?
- Verizon Visa® Card
- 45. Freelance copywriting and content creation
- 23. Shop consignment and thrift stores
- 46. Rideshare driver
- 20. Become a private tutor
- 2. How much do clothing lines make a year?
- Cheapest minimum coverage car insurance in Florida for 50-year-olds
- Cheapest full coverage car insurance in Texas for 50-year-olds
- 47. Website development and design
- 3. Do you need to trademark a clothing line?
- 48. Sell clothes online
- Our pick for: Best Buy purchases
- 3. Decide if you need full coverage car insurance
- 4. How do you source material for a clothing line?
- 24. Join initiatives to get free items
- You’re a first-time home buyer
- 21. Drive for Uber, Lyft
- 8. Taxes
- 49. SEO consultant
- Cheapest auto insurance in Florida for 50-year-olds with poor credit
- Cheapest minimum coverage car insurance in Texas for 50-year-olds
- Airport lounge access
- 50. App development
- 25. Use car sharing services
- You live in a high-risk area
- 22. Make deliveries for Amazon, Uber Eats
- Cheapest auto insurance in Florida for 50-year-olds with one speeding ticket
- Cheapest auto insurance in Texas for 50-year-olds with poor credit
- 26. Stock up on household supplies when they’re cheap
- 9. Paying off debt
- You have a dog
- 4. Collect and compare car insurance quotes
- In-flight extras and checked bags
- 23. Find work as a housesitter
- Cheapest auto insurance in Florida for 50-year-olds with one at-fault crash
- 27. Enjoy community events
- Cheapest auto insurance in Texas for 50-year-old drivers with one speeding ticket
- You own valuable items
- Our pick for: Digital Microsoft Store purchases
- Global Entry and TSA PreCheck
- 24. Sign up to be a mystery shopper
- 28. Cash in on your birthday
- You own an older home
- Cheapest auto insurance in Florida for 50-year-olds after a DUI
- Cheapest auto insurance in Texas for 50-year-old drivers with one at-fault crash
- Bonus points on spending
- 25. Put your drone to work
- Cheapest auto insurance in Texas for 50-year-old drivers after a DUI
- Compare car insurance companies
- Cheapest full coverage car insurance in Florida for 60-year-olds
- Trip insurance benefits
- Conditions common to your dog’s breed
- Cheapest minimum coverage car insurance in Florida for 60-year-olds
- Cheapest full coverage car insurance in Texas for 60-year-olds
- 10. Insurance
- Your dog’s energy and activities
- Cheapest auto insurance in Florida for 60-year-olds with poor credit
- Car rental coverage
- Cheapest minimum coverage car insurance in Texas for 60-year-olds
- Wellness expenses
- Cheapest auto insurance in Florida for 60-year-olds with one speeding ticket
- Cheapest auto insurance in Texas for 60-year-olds with poor credit
- Decide whether your cat needs insurance
- Cheapest auto insurance in Florida for 60-year-olds with one at-fault crash
- Cheapest auto insurance in Texas for 60-year-old drivers with one speeding ticket
- Wellness expenses
- Cheapest auto insurance in Florida for 60-year-olds after a DUI
- Cheapest auto insurance in Texas for 60-year-old drivers with one at-fault crash
- 11. Investing
- 1. Check whether your pet is eligible
- 2. Research what’s covered
- Cheapest auto insurance in Texas for 60-year-old drivers after a DUI
- Cheapest full coverage car insurance in Florida for 70-year-olds
- 3. Decide how much coverage you want
- Cheapest minimum coverage car insurance in Florida for 70-year-olds
- Cheapest full coverage car insurance in Texas for 70-year-olds
- 4. Understand reimbursements and deductibles
- Cheapest auto insurance in Florida for 70-year-olds with poor credit
- Cheapest minimum coverage car insurance in Texas for 70-year-olds
- 5. Check waiting periods
- Cheapest auto insurance in Florida for 70-year-olds with one speeding ticket
- Cheapest auto insurance in Texas for 70-year-olds with poor credit
- 12. Starting or running a business
- 6. Examine extra costs
- Cheapest auto insurance in Florida for 70-year-olds with one at-fault crash
- Cheapest auto insurance in Texas for 70-year-old drivers with one speeding ticket
- 7. Compare quotes
- 13. Travel
- Cheapest auto insurance in Florida for 70-year-olds after a DUI
- Cheapest auto insurance in Texas for 70-year-old drivers with one at-fault crash
- Cheapest auto insurance in Texas for 70-year-old drivers after a DUI
- The NerdWallet Smart Money podcast
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.