You’re our first priority.
Every time.
We believe everyone should be able to make financial decisions with confidence. And while our site doesn’t feature every company or financial product available on the market, we’re proud that the guidance we offer, the information we provide and the tools we create are objective, independent, straightforward — and free.
So how do we make money? Our partners compensate us. This may influence which products we review and write about (and where those products appear on the site), but it in no way affects our recommendations or advice, which are grounded in thousands of hours of research. Our partners cannot pay us to guarantee favorable reviews of their products or services. Here is a list of our partners.
Why You Need Insurance

Writer | Personal finance, life insurance, budgeting

Assigning Editor | Insurance, data journalism

Many or all of the products featured here are from our partners who compensate us. This influences which products we write about and where and how the product appears on a page. However, this does not influence our evaluations. Our opinions are our own. Here is a list of our partners and here's how we make money.
Visit your My NerdWallet Settings page to see all the writers you're following.
Without proper insurance, one unexpected event could deplete your savings.
Medical insurance is often necessary to pay for routine care in addition to major expenses.
Property and casualty insurance protects your property and shields you from legal liability.
Insurance offers a vital safety net, protecting you against financial loss if something bad happens. One unexpected event — like a car accident, an emergency room visit or a storm that damages your home — could easily wipe out your savings. Insurance helps you manage the risk of a financial disaster. Let’s look at some basic types of insurance and when you might need them.
- Net worth defined
- What is bill pay?
- Is money tight?
- Nerdy takeaways about where to exchange currency
- What is a home equity line of credit?
- Bluevine Business Checking
- Find the right Medicare Advantage plan
- Best Lenders for Low- and No-Down-Payment Mortgages:
- What is the earned income tax credit?
- What is a Form W-4?
- Quickbooks Online
- Novo Business Checking
- How do we review brokers?
- Fidelity is best for:
- Charles Schwab is best for:
- Compare types of bank accounts
- What is a budget planner?
- Conventional mortgage
- VA loans
- FHA loans
- USDA loans
- What is the average stock market return?
- What's next?
- What is a 401(k)?
- LOOKING TO SAVE ON INTEREST?
- See CD rates by term and type
- Definitions: Money Transfer Rates
- What is a Roth IRA account?
- What is a REIT?
- Get details on Medicare coverage for:
- What is a brokerage account?
- How much should you spend on rent? Try the 30% rule
- How to maximize your rewards
- What is the gift tax?
- What are restricted stock units, or RSUs?
- How to calculate debt-to-income ratio
- Work from home jobs often pay more
- How money market funds work
- What is a VA home loan?
- Money market account vs. CD: The difference
- Roth IRA taxes
- Meet the minimum spending requirement
- Best tax software providers
- Have the money talk
- Teacher Next Door program
- Index fund vs. ETF
- What to expect flying first class with ANA
- Metro by T-Mobile cell phone plans
- What is a backdoor Roth IRA?
- What is an index fund?
- First, what type of financial help are you looking for?
- What is Medicare?
- What are dividend stocks?
- Fidelity CD rates
- What is my net worth?
- Roth IRA contribution limits 2023
- How to get paid on YouTube
- What is a savings account?
- 7 of the best apps to make money
- How to contact IRS customer service
- Using equity to remodel
- 1. Certificates of deposit (CDs)
- The best budget apps
- Savings calculator tip
- Aetna Medicare Advantage
- What is a down payment?
- What are incentive stock options, or ISOs?
- How much do solar panels cost for homes?
- NCHFA highlights and eligibility requirements
- Delta Air Lines refund policy
- What is the 10-year Treasury?
- Will I ever be asked to sign my name again?
- Domestic travel
- What is the average cost of groceries per month?
- Preparing to buy tips
- 1. Report lost debit cards ASAP
- Summary of cash advance apps
- Non-QM loans: flexibility at a cost
- How much to save in your emergency fund
- Where to buy bonds
- Microsoft Office Excel budget templates
- What is a goodwill letter?
- About Qatar Airways
- Medical insurance
- More ways to use the home equity line of credit calculator
- Step 1: Check your credit
- What are estimated tax payments?
- 5 ways to get free flights
- International roaming plans: postpaid
- What is the Student Aid Report?
- What job makes the most money?
- 1. Sell spare electronics
- IRS customer service hours
- Quick glance: Pros and cons of debt consolidation
- How to use the mutual fund calculator
- Why invest in money market funds?
- 1. Set your budget
- Is it worth it to pay points on a mortgage?
- Open roads and the great outdoors
- Best day to book a flight
- How does the earned income tax credit work?
- What is an outstanding balance?
- Fidelity at a glance
- Charles Schwab at a glance
- Working with National Debt Relief
- Is gold a good investment?
- Roth IRA five-year rule for withdrawals
- Medicare Part A late enrollment penalty
- How to unfreeze credit
- What is a HELOC?
- No Roth IRA taxes on earnings
- 1. Get help with utility bills and groceries
- The 3 main types of Wi-Fi on planes
- Create a budget plan that works for you
- Defining some health insurance terms
- Savings accounts, national average savings rate: 0.45%
- What is a co-signer?
- What is the child tax credit?
- Does homeowners insurance cover trampolines?
- How much do online will makers cost?
- Gear up for football season
- What is a credit freeze?
- Oneworld alliance member airlines
- How balance transfers work
- What goes into the credit card interest calculation
- How did rent get so expensive?
- 1. Start saving early
- How we chose the best home and auto insurance bundles
- How do CDs work?
- General advice for international money transfers
- How to budget money
- 1. Find a payment strategy or two
- How to earn miles with your Capital One Venture Rewards Credit Card
- How to send money online, on mobile or in person
- 1. Delay your application
- Roth IRA income limits 2023
- What are game apps that pay real money?
- How does bill pay work?
- Housing
- 1. Earn with ads as a YouTube Partner Program member
- How to think about charging costs after a lifetime of using gas
- About The InterContinental Bora Bora Resort Thalasso Spa
- When will the IDR adjustment happen if I don’t get automatic forgiveness?
- Types of RSUs
- What’s the value when booking travel through the Capital One portal?
- Affordable unlimited plans for the average user
- Other factors to consider
- Local nonprofits and charities
- Do I have to update my W-4 every year?
- The problems with joint spousal consolidation loans
- A modern way to buy new cars
- USAA home insurance star rating
- How to pay rent with your credit card
- Am I willing to book travel through Capital One?
- Highlights
- What is the standard deduction?
- What is accounts receivable financing?
- What is Brightline?
- What are grants for nonprofits?
- The bull call spread
- The rise of 'bleisure' travel
- 4 common check fraud scams
- Is it even possible?
- How we got here
- How to Refer a Friend for a Capital One card
- Communicate with your creditors
- What are capital gains?
- How does a Roth IRA work?
- You’ll be notified or see a $0 balance
- What to know about cash advance apps
- How do REITs work?
- 1. It offers discounts for traveling with a partner
- About Geico home insurance
- A broker
- How does my credit score impact personal loan offers?
- How much do Instagram influencers make?
- 1. Earn miles or points by flying your preferred airline
- Earn bonus TrueBlue points through JetBlue Vacations and Paisly
- American Airlines miles redemptions
- The best money-making apps
- Exchanging currency: Start with your bank
- Tax brackets 2023
- Hotels
- Key takeaways
- Is the gift tax deductible?
- How do microloans work?
- Compare car insurance rates
- 2. Sell your gift cards
- How to make money online
- IRS phone numbers
- Pros of debt consolidation
- Starting an import/export business
- 50/30/20 budget calculator
- How P2P payments work
- Home equity lines of credit
- Top credit cards for Las Vegas hotels
- Best credit cards with no credit check
- The psychology of credit card spending
- Income limits for contributing to both an IRA and a 401(k)
- What is a credit card balance?
- TurboTax's prices
- 1. It offers deferred interest
- How does a VA home loan work?
- Do you need insurance to rent a car?
- What's the difference between a HELOC and a home equity loan?
- When to choose a money market account over a CD
- United Auto Workers (UAW)
- ISOs vs. NSOs: What's the difference?
- Coinsurance
- Credit card fees
- Possible consequences
- Wells Fargo Active Cash® Card
- A quick note on how to choose tax software ...
- What to know about Chase’s Q4 2023 bonus categories
- Holding multiple cards is not always bad for your credit scores
- The best pet insurance companies at a glance
- Mortgage approval: What’s behind the numbers in our DTI calculator?
- Points on spending
- The best homeowners insurance in Georgia
- What should my monthly grocery budget be?
- How to book a first class ticket with ANA
- 1. There are several versions of the Destiny credit card
- How much does equipment cost?
- Roth IRA income limits
- 1. Not everyone can get them
- What can cause a crypto crash?
- Merchants push for lower fees
- Pay more than minimum
- Why do you need a goodwill letter and what should you write?
- 9 high-dividend stocks
- What’s the difference between cash management accounts and high-yield savings accounts?
- Subsidized vs. unsubsidized student loans
- Are there specific resources available for people in the LGBTQ+ community who are on an entrepreneurial path or interested in starting a business?
- How to use the car affordability calculator
- Boost
- Size of the battery = size of the gas tank
- 1. Redeem miles for American flights
- Why you need a savings account
- 1. Ibotta
- Credit cards are safer to carry and use
- Stock chart components
- Where can you get the Student Aid Report?
- How much IDR credit will I get?
- Single-trigger RSUs: time-based vesting
- You could receive a lower rate
- Mint, for just about everything
- AT&T
- What does your travel insurance cover?
- Savings calculator help
- Start with your lender or servicer
- Do your industry research
- 2. Find money for child care
- 1. Review your electric bill
- Lower credit scores
- Eligibility
- How does accounts receivable financing work?
- Free 24-hour cancellation
- The average stock market return isn't always average
- What is the 10-year treasury yield today?
- Why this change?
- How to freeze your credit
- In the app
- How do you get a 401(k)?
- What is capital gains tax?
- How do index funds work?
- Fidelity CD rates
- Bank wire transfer
- Understand the budgeting process
- Google Sheets budget templates
- Medicare eligibility
- How to earn Qatar Airways Qmiles
- How to redeem your miles for travel with your Capital One Venture Rewards Credit Card
- How do I see my credit score for free?
- Work out how much of your income should go to rent with the 50/30/20 rule
- When are estimated quarterly taxes due?
- How much does a gallon of gas cost?
- Earning Southwest Rapid Rewards points through Southwest travel partners
- Gift tax limit 2023
- 3. Pawn something
- 1. Pick up freelance work online
- 1. World of Hyatt Credit Card
- Working from home jobs are growing
- Savings bond calculator
- Do you need to put 20% down on a house?
- Best day to fly
- Is there a new W-4 form for 2023?
- Exceptions to the 10% penalty
- Medicare Part A penalty calculator
- Roth IRA taxes on withdrawals
- Copay
- Example savings APYs at select institutions
- Our pick for: Simplicity
- Plan how to use your Companion Fare
- How much is the 2023 child tax credit?
- Nolo’s Quicken WillMaker: Best all-inclusive
- Anticipate your expenses
- Homes for Heroes program
- How does a home equity loan work?
- Southwest flights to Hawaii
- Follow USDA food plans
- How Metro by T-Mobile compares on price
- 2. Decide how much home you can afford
- Chase 5% categories calendar
- 1. Brigit: Best for budgeting tools
- An ETF
- Cash management account definition
- Check if private student loans are right for you
- How many Instagram followers do you need to make money?
- Utilities
- T-Mobile
- What you need to know about savings accounts
- Not all of the highest-paying jobs are on the list
- Today’s HELOC rates
- What is the 50/30/20 rule?
- 2. Cash management accounts
- Boost
- UnitedHealthcare Medicare Advantage
- How to choose between an IRA and a 401(k)
- What’s the difference between outstanding balance and statement balance?
- What you get from TurboTax's free version
- 4 ways to invest in gold
- Success stories
- State availability
- How to consolidate your debt
- Budget planner
- NCHFA first-time home buyer loan programs
- Where does Brightline stop?
- Risks of co-signing a loan
- Child tax credit 2023 (taxes filed in 2024)
- Cost
- How we ranked the best pet insurance companies
- Get your home winter-ready
- More differences between ETFs and index funds
- Tesla insurance cost for a Model 3
- Business tax ID number lookup: Your 3 best options
- More about the best home insurance companies in Georgia
- On the website
- 1. Free or affordable rates
- Grace period
- How to open a backdoor Roth IRA
- American Family
- 2. The two personal cards are decent ...
- Debt snowball
- Earn Qmiles by flying
- 1. Statement credit
- Step 2: Pre-qualify and compare offers
- 2. Work longer
- Can I contribute to a Roth IRA if my income is too high?
- Energy efficiency and energy costs
- Other ways to contact a real person at the IRS
- Why does a high DTI affect new credit?
- Home equity loans
- 2. Shop for a loan
- Sun, surf and sand: Myrtle Beach
- Earned income tax credit 2023
- 1. Physical gold
- How to unfreeze credit with Experian
- What's the difference between a HELOC and a cash-out refinance?
- When to choose a CD over a money market account
- How incentive stock options work
- Deductible
- NC Home Advantage Mortgage
- Delta refund ticket eligibility
- 1. No credit check is required, but a linked bank account is
- Government grants for nonprofits
- 4 steps to spot a fake check and avoid trouble
- How to rack up miles for Oneworld alliance member airlines
- Why invest in index funds?
- Chase 5% calendars from years past
- 2. The bonus rewards aren't just for airline purchases
- Medicare at a glance
- Goodwill letter template
- Calculating net worth: What are assets and liabilities?
- A long non-winning stretch, but still hope
- When are federal student loans due?
- Verizon
- Location
- Best microlenders
- Double-trigger RSUs: performance-based goals
- 4. Work today for fast cash today
- Visit your local IRS office
- Learn more
- Monthly after-tax income
- Chime Credit Builder Visa® Credit Card
- The pros and cons of a life insurance trust
- What’s the downside of money market funds?
- Popular credit cards with travel insurance
- How much should I save each month?
- Other factors to consider
- Tuesdays and Wednesdays are the cheapest days to fly domestically
- How do you check your credit card balance?
- How can we separate our loans?
- Mortgage payoff calculator help
- Five-year rule for Roth IRA conversions
- Medicare Part B late enrollment penalty
- Does my car insurance cover rental cars?
- USAA home insurance coverage
- 3. Recover unclaimed money
- Donating credit card rewards
- How the standard deduction works
- Best software for simple returns
- 1. You are responsible for the entire loan amount
- What should homeowners do to make sure they're covered?
- PayPal
- Having multiple cards gives you a backup plan
- What it looks like
- Does this mean I can let a friend use my card?
- Are you eligible for a 0% card?
- How the debt-to-income calculation works
- 1. The minimum investment required
- Making referrals: Caveats and considerations
- Location and construction
- Keep your cash
- 3. Check and polish your credit
- How does capital gains tax work?
- State Farm® Premier Cash Rewards Visa Signature® Card
- 2. Account frozen? Submit documentation
- Roth IRA income and contribution limits for 2023
- You could get a refund
- 10 questions to ask financial advisors
- Geico home insurance coverage
- Where to stash your emergency fund
- Directly from the U.S. government
- Debt avalanche
- NerdWallet’s budget planner
- Investing for income: Dividend stocks vs. dividend funds
- How do brokerage accounts work?
- How to monetize your Instagram with fewer followers
- Credit cards earn easy rewards
- What should you do with your Student Aid Report?
- Gift tax limit 2022
- Compare car insurance rates by age
- 1. Get your business basics in order
- What’s the value when transferring to Capital One partners?
- Which P2P service should you use?
- Our pick for: Chime users
- Working from home job ideas
- Medical bill assistance
- VA home loan eligibility
- Screen Actors Guild - American Federation of Television and Radio Artists (SAG-AFTRA)
- When to exercise your ISOs
- Premium
- Historical national rates
- Use the card for in-flight purchases
- Child tax credit 2022 (taxes filed in 2023)
- Refundable tickets
- 5-year, 10-year, 20-year and 30-year S&P 500 returns
- Track your spending and cut back where you can
- 1. Grants.gov
- Union-affiliated home loans for teachers
- Travel days are changing
- 1. Inspect the check
- How much does Tesla car insurance cost in my state?
- Option 1: Check your EIN confirmation letter
- Original Medicare
- Property and casualty insurance
- How to determine how much car you can afford
- Will pre-qualifying affect my credit score?
- Calculate your reduced Roth contribution
- Figure out how much you can afford to spend on rent
- Estimated tax payments 2023
- JetBlue partner airlines and hotel partners
- Savings accounts with strong APYs can help your money grow
- 50% of your income: needs
- Cash-out refinance
- Pros
- 1. Chase Sapphire Reserve®
- How do you calculate interest on a savings account?
- Minimum down payment requirements
- Escalate your complaint
- How to fill out a 2023 W-4 form
- TurboTax's ease of use
- How to start a cleaning business in 7 steps
- 2. Gold stocks
- When to choose a savings account instead
- Roth IRA taxes vs. traditional IRA taxes
- Issuer pre-qualification pages
- What H&R Block Free can do
- Upgrading can rob you of reward-earning opportunities
- Price vs. yield
- Is my card less secure now?
- Information you need to freeze your credit at all 3 bureaus
- Use the 50/30/20 rule to budget for groceries
- Ways to get good value in ANA first class
- How Fidelity CDs work
- Repayment terms may be interest-only
- 1. Are you a fiduciary?
- Types of REITs
- Automate
- Tips for avoiding late payments
- Earn by spending on transfer partners’ credit cards
- 3. Earn more
- How to set up bill pay
- Transportation
- Design
- 2. Rakuten
- What pushes gas prices up?
- Where to get foreign currency outside the U.S.
- 2023 tax brackets: single filers
- Transferring hotel points to Southwest Rapid Rewards
- What is the gift tax rate?
- Tax liability of RSUs
- 5. Seek community loans and assistance
- Try calling the Taxpayer Advocate Service
- You could get out of debt faster
- 3. High-yield money market accounts (MMAs)
- Flexible work from home jobs
- Who is eligible for the earned income credit?
- How it works
- 2. You won't want to carry a balance
- How to unfreeze credit with Equifax
- Risky business
- 2. Evaluate your sunlight exposure
- Late fees and a higher interest rate
- Accounts receivable financing vs. factoring
- How much does Brightline cost?
- 2. Your credit is on the line
- Requirements: Who qualifies for the child tax credit?
- Wholesale clubs
- Plan holiday travel
- 2. The capital gains taxes you’ll pay
- Should I choose a home equity loan or a HELOC?
- Where does Southwest fly internationally?
- 2. A chance to check out the amenities
- Book via ANA
- Backdoor Roth IRA rules
- See CD rates by bank
- Has crypto crashed before?
- 3. Ask your bank for relief
- 2. EarnIn: Best for large advances
- Discounts
- 2. Book a new reservation
- Cash management accounts with high interest rates
- The cheapest large car insurance company: State Farm
- What is your advice for LGBTQ+ people who are looking for affordable, inclusive places to move and/or retire? Any practical advice for balancing safety with a high cost of living?
- What do I need to pre-qualify for a personal loan?
- Best international roaming: prepaid
- MPG and MPGe
- 2. Redeem American Airlines miles on partners
- In-demand jobs that pay the most money
- How to benefit from the account adjustment
- SBA microlenders
- 2. Test websites and apps
- 2. Hilton Honors American Express Aspire Card
- Cons
- How to buy money market mutual funds
- Cell phone plans for families
- 3. Determine other ownership costs
- Saturday and Monday flights can help you avoid the Sunday rush
- How to pay off a mortgage early
- 3. Gold funds
- Medicare Part B penalty calculator
- Is a HELOC a good idea?
- Debt consolidation calculator
- 4. Get down payment assistance for a home
- How to exercise your ISOs
- Out-of-pocket maximum
- The bottom line
- Will I take advantage of the issuer’s airport lounge access?
- When can you not take the standard deduction?
- What it can’t do
- Nonrefundable tickets
- You'll likely miss out on introductory offers
- 2. Economic Development Administration
- The bear put spread
- Good balance transfer cards
- Average daily balance
- 2. The annual fee isn't the only fee you may owe
- Find out if you qualify for aid
- Mortgage selection tips
- What is an index?
- Cash App
- Try a simple budgeting plan
- 3. Miles are versatile
- What to watch for when you buy bonds
- Mint lifestyle templates
- Medicare Part A (hospital insurance)
- How interest accrues on subsidized and unsubsidized loans
- 1. Calculate the car payment you can afford
- Chase 2022 bonus categories
- Do you include a 401(k) in a net worth calculation?
- 5 ways to make money on Instagram
- 2. Earn miles making everyday purchases with an airline credit card
- Project Fi
- How a savings account works: withdrawal limits
- Basic stock chart terms to know
- 6. Ask for forbearance on bills
- Credit cards = happiness?
- I bonds calculator
- Bright lights, big city: NYC
- Seek outside help
- Step 1: Enter your personal information
- Should you pay the outstanding balance?
- Step 1: Fund your cleaning business
- How to apply for a VA home loan
- Interest checking accounts, national average rate: 0.07%
- Explore the best redemption options
- State and local homebuying programs for teachers
- How to use our debt-to-income ratio calculator
- Southwest flights to Mexico
- Referral bonus annual limits
- Types of transfers allowed
- Is rent going up or down?
- 4. Explore mortgage options
- Your credit score could dip slightly
- 2. How do you get paid?
- REIT types by investment holdings
- 2. Consider debt consolidation
- Cheapest auto insurance from the largest companies
- Chase 2021 bonus categories
- 1. Get sponsored
- Game apps that pay real money: before you play
- 2023 tax brackets: married, filing jointly
- Consolidate your loans if necessary
- Getting the best HELOC rate
- How to avoid the gift tax
- Before you call
- How much are Capital One miles worth?
- What should I do if my DTI is too high?
- 30% of your income: wants
- Sell stuff online
- How does a life insurance trust work?
- AT&T
- 2. Chase Sapphire Preferred® Card
- 3. Cardholders enjoy a longer return period and exclusive offers
- 4. Gold futures
- Five-year rule for Roth IRA beneficiaries
- Medicare Part D late enrollment penalty
- USAA home insurance rates
- Coinsurance vs. copay
- What to expect the stock market to return
- Select charities
- Why we like it
- 2. There's no APR because you can’t carry a balance ...
- An industry adapts
- 2. Ask yourself why you received the check
- Oneworld award flight sweet spots
- Amica
- What is long-term capital gains tax?
- I’m worried about keeping my crypto with an exchange. What should I do?
- 4. Monitor bank transactions online
- What are the Roth IRA benefits?
- High-yield savings account definition
- How to get subsidized and unsubsidized loans
- Chase 2020 bonus categories
- How to choose a brokerage account provider
- What about Congress voting to roll back forbearance?
- Food
- Who should make estimated quarterly tax payments?
- Food and beverage
- More advanced stock chart terms
- 7. Request a payroll advance
- Paying for a remodel without equity
- YNAB, for hands-on zero-based budgeting
- What do points on a mortgage mean?
- Wednesdays and Thursdays are the cheapest day to fly internationally
- Rental car insurance vs. your own auto insurance
- Not all plane Wi-Fi is equal
- 3. Estimate and compare the cost of solar panels for homes
- An account in collections
- NC 1st Home Advantage Down Payment
- 3. Your access to credit may be affected
- Additional child tax credit
- How can homeowners avoid trampoline claims?
- Basic economy ticket
- You might miss out on annual rewards
- 3. Grant databases
- Can you pay it off in time?
- Pathway to status
- Tesla car insurance rates by state for a Model 3
- Option 2: Check other places your EIN could be recorded
- Other costs and issues
- Index examples
- Borrowers who may consider a non-QM loan
- No guarantee that savings will be passed on
- 0% balance transfer credit card
- Chase 2019 bonus categories
- Net worth calculator
- 4. Consider your spouse
- Other Roth IRA rules
- Factor in other costs
- Compare car insurance rates for 20-year-olds
- 2. Pick a product to import or export
- Are P2P payments safe?
- Cash
- 4. Peer-to-peer lending
- T-Mobile
- 4. Find the right car for you
- Treasury bond and note calculator
- Benefits of a larger down payment
- Who counts as a qualifying child for the earned income credit?
- Bad-credit online loans
- Step 2: Account for multiple jobs
- What it looks like
- National Debt Relief at a glance
- Writers Guild of America (WGA)
- When debt consolidation is a smart move
- 5. Find tax credits for health insurance
- Factors to consider before paying rent with a credit card
- Top credit cards that offer preapproval without a hard pull
- Standard deduction 2022 (taxes due April 2023)
- Is Brightline nice?
- Teacher home loans from lenders
- Sweet spot No. 1: Short-distance international flights with British Airways
- 3. The cost of owning them
- Southwest flights to Central America
- Accepting a Capital One referral: Caveats and considerations
- 3. Designed for work
- Book with Virgin Atlantic or Lifemiles
- The pro-rata rule for backdoor Roths
- What is short-term capital gains tax?
- State Farm® Good Neighbor Visa® Card
- What are the risks of buying crypto?
- Allow up to 50% of your income for needs
- 4. It offers two free checked bags
- Consumer experience
- 1. Can the borrower pay its bonds?
- Medicare Part B (medical insurance)
- High-yield online savings accounts to consider
- Chase 2018 bonus categories
- How long will it take to pre-qualify?
- 2. Take a cut with affiliate marketing
- Examples of various charging scenarios
- Accommodations
- Where to avoid exchanging currency
- Bid and ask
- 2023 tax brackets: married, filing separately
- Some of the highest-paying jobs 'don't exist yet'
- Selling vested shares
- 3. Learn to use AI tools
- You’ll have just one monthly payment
- Cards that earn Capital One miles
- 20% of your income: savings and debt
- Learn how to change your lender or servicer
- Pros and cons of VA home loans
- How to buy gold stocks, mutual funds and ETFs
- How to unfreeze credit with TransUnion
- Before you flip
- Copay vs. deductible
- Top accounts receivable financing companies
- Keep your future self in mind
- Why is the 10-year Treasury yield important?
- Collect rewards toward future travel
- Debt-to-income ratio 101
- How to get a home equity loan
- Find ways to stretch your grocery budget
- Compare referral sign-up bonuses
- Types of 401(k)
- Check for low-interest offers you already have
- 5. Know the bank’s timeline
- Personal loans
- The Federal Trade Commission’s budget worksheet
- Other great card features to keep in mind
- Chase 2017 bonus categories
- Online brokerage account
- SoFi drops lawsuit to end forbearance early
- Hawaiian Airlines
- 3. Swagbucks
- Credit cards help you track spending
- Airlines
- How does a HELOC work?
- How the annual gift tax exclusion works
- 8. Take a loan from your retirement account
- When not to call the IRS
- Capital One Venture Rewards Credit Card
- Verizon
- 3. Marriott Bonvoy Brilliant® American Express® Card
- How much is one point on a mortgage?
- Florida theme parks
- Tips to find cheap flights any day of the week
- 4. Home Depot offers a separate card for bigger projects
- What to know about National Debt Relief
- Crashes and car theft
- 6. Apply for college grants
- Example interest checking APYs at select institutions
- 4. You could be sued by the lender
- Multiple cards typically mean more rewards
- Trust & Will: Best for ease of use
- Foundation grants for nonprofits
- How to unfreeze your credit
- 3. Don’t use the money
- Could this make sense for anyone?
- What’s included in your DTI ratio?
- What company has the cheapest Tesla car insurance?
- Cities with the highest rent increases
- How much do index funds cost?
- 3. Empower: Best for fast cash
- Where to find non-QM loans
- 3. What are my all-in costs?
- The cheapest midsize car insurance company: Auto-Owners
- Chase 2016 bonus categories
- Step 3: Choose your lender and loan
- Contributing too much to a Roth
- Skip currency exchange: Use a credit or debit card
- Average annual rate for 20-year-olds, by company
- 3. The Platinum Card® from American Express
- Book one to three months in advance
- Step 3: Claim dependents, including children
- Step 2: Choose your market
- Pros
- Medicare Part D penalty calculator
- Discounts
- Taxation on incentive stock options
- Does it fit my spending and redemption style?
- OpenSky® Secured Visa® Credit Card
- Bank of America® Customized Cash Rewards credit card
- Best overall paid package and best for ease of use
- Award ticket refunds
- Details: Chase Freedom Flex℠
- Cost
- 3. ... But it will still cost you to hold the card
- Southwest flights to the Caribbean
- Traditional 401(k)
- 3. Small credit limits may be restrictive
- More details about Fidelity CDs
- How to open a Roth IRA
- Tax implications are unlikely
- REIT types by trading status
- The Medicare Part B penalty
- How to invest in dividend stocks
- Which type of account is best for me?
- Taking out federal loans vs. private loans
- 2. Calculate the car loan amount you can afford
- Chase 2015 bonus categories
- Compare your net worth
- What did the payment pause do?
- Look for savings
- Charging at home
- 3. Upgrade your seats
- Amenities
- How much to keep in your savings account
- Who controls gas prices?
- Volume, average volume and day’s range
- 2023 tax brackets: head of household
- Enroll in an IDR plan
- 9. Borrow against life insurance
- You could build your credit
- How much should you put down on a house?
- Handy features
- How are HELOC payments calculated?
- Coinsurance vs. deductible
- Our pick for: No credit check at all
- altLINE
- 4 steps to creating a college budget
- 4. Carnegie Corporation
- Reasons for unfreezing your credit
- Remote work is here
- Is a backdoor Roth IRA worth it?
- Capital gains tax rates 2023
- Google Pay
- 4. What are your qualifications?
- 3. Work with your creditors
- Chase 2014 bonus categories
- 5. Investigate divorced spouse benefits
- Debt
- Farm Service Agency
- Personal loans
- 5. Online savings accounts
- Types of life insurance trusts
- More competitors to cash
- Basic cell phone plans
- 5. Contact the seller or visit a dealership
- Treasury bills calculator
- Are mortgage points tax-deductible?
- Step 4: Refine your withholdings
- 5. Loyalty doesn't always pay off
- Cons
- How to determine if your next flight's Wi-Fi will be good
- Favorable tax treatment
- Community Partners Loan Pool
- Our pick for: Online purchases
- Standard deduction 2023 (taxes due April 2024)
- Is Brightline Premium worth it?
- What we like
- What it looks like
- Are 10-year Treasury notes a good investment?
- Max out your Q3 rotating bonus categories
- The long straddle
- Choosing a card
- 4. Reliable workspace when traveling
- Fly from specific U.S. airports to experience United’s Polaris lounges
- 5. Research first-time home buyer assistance programs
- 3. ... But the best rewards come from the business card
- Diversifying with index funds
- 6. Rebounding from bank account fraud
- How to activate Chase 5% categories
- Leave 30% of your income for wants
- 5. Hawaiian Airlines' partnership with JetBlue makes this card more flexible
- 1. Find a dividend-paying stock
- Managed brokerage account
- Net worth of U.S. families by income
- 3. Earn thousands of miles as a credit card welcome bonus
- Beta
- Can you transfer Southwest points to airline partners?
- 10. Use a credit card cash advance
- How quickly do P2P payments post to the recipient's account?
- Your complaints matter
- Gold investments and diversification
- Damage you do to others
- A lawsuit
- 5. Your relationship could be damaged
- How to claim the 2023 child tax credit
- How to initiate a Delta refund request
- When upgrading your credit card makes sense
- Are home equity loans a good idea?
- What destinations aren’t served by Southwest?
- Interest rate
- Country Financial
- Long-term capital gains tax rates (2023)
- What else to know when buying Fidelity CDs
- How credit card rewards look in other countries
- More ways to take charge of your budget
- What is your advice for people in the LGBTQ+ community looking to build generational wealth?
- How to calculate quarterly estimated taxes
- Icelandair
- Capital One VentureOne Rewards Credit Card
- Get more help with monthly budget planning
- U.S. Mobile
- 4. Marriott Bonvoy Boundless® Credit Card
- Set a price alert
- How to claim the EITC without a child
- Step 5: Sign and date your W-4
- Risks of debt settlement
- Unite Here Local 11
- Watch out for scams
- Is Wi-Fi offered, and if so, will it work for you?
- How it all works together
- What's next?
- Certificates of deposit, national average rate: 1.76% for one-year CDs
- What makes TurboTax the best overall paid package?
- Pros
- How to improve your DTI
- What index funds and ETFs have in common
- Should I do a balance transfer?
- Ongoing perks
- Cities with the lowest rent increases
- State Farm® Business Cash Rewards Visa Signature® Card
- How does crypto fit into your portfolio?
- Alternatives to non-QM loans
- 5. How will our relationship work?
- Where Geico stands out
- Medicare Advantage (Medicare Part C)
- 2. Evaluate the stock
- Find preapproved auto loans
- Step 4: Gather loan documents
- Net worth of U.S. families by age
- 3. Land a brand deal and make sponsored content
- At-home charging might require upfront hardware costs
- 4. Redeem AAdvantage miles for merchandise, other travel and more
- Alternatives to savings accounts
- 4. Fiverr
- EPS (TTM) and earnings date
- Tax brackets 2022
- Rental cars
- How do I access a HELOC?
- How the lifetime gift tax exclusion works
- Average annual rate for 20-year-olds, by state
- 11. Look for a payday alternative loan
- Revocable life insurance trusts
- Using the mortgage points calculator
- Other considerations to determine your down payment
- Step 3: Find a specialty — and stick to it
- What is the VA loan limit?
- How to buy physical gold
- Consumer complaints
- Holding period
- 1st Commercial Credit
- Within 24 hours
- Ready to get started?
- 4. You may qualify for perks, but not rewards
- 5. Ford Foundation
- Discover it® Cash Back and the Discover it® Student Cash Back
- Tips for unfreezing your credit
- What about Tesla Insurance?
- How to maximize your rewards
- 6. Add your minor child
- 4. Earn flexible points using a non-airline credit card
- How to get to The InterContinental Bora Bora Resort Thalasso Spa
- 4. Take surveys for money
- What do P2P payments cost?
- Current Build Card
- Become a social media influencer
- Ting
- 6. Inspect and test-drive the car, if applicable
- How this calculator works
- Rebook if you find a cheaper price
- Injuries to you
- When debt consolidation isn't worth it
- 4. Take advantage of government incentives
- Additional standard deduction
- Riding Brightline from Orlando Airport
- What makes TurboTax easy to use?
- Cons
- How do you buy 10-year Treasury notes?
- 4. Alert authorities to fraud
- Sweet spot No. 2: Long distance flights on American Airlines within the same region
- 1. Diversification
- Final thoughts on ANA first class
- Roth 401(k)
- 4. Rewards are possible but probably won’t outweigh the card’s fees
- 6. Compare mortgage rates and fees
- What are the Roth IRA rules?
- 4. Dave: Best for repayment flexibility
- Other ways to earn Qmiles:
- What do I need for my loan application?
- Net worth of U.S. families by race or ethnicity
- 2. Promote your business
- Start planning for repayment now
- Ex-dividend date
- How much does a HELOC cost?
- Benefits of RSUs
- 12. Take out a personal loan
- State tax department phone numbers
- Cons of debt consolidation
- 3. Source your suppliers
- Goodbudget, for hands-on envelope budgeting
- Our pick for: Current users
- Credit card spending still has many positives
- Consequences of an EIC-related error
- Credit union loans
- Download the 2023 W-4 form
- What's next?
- Will you be covered?
- Petal® 2 "Cash Back, No Fees" Visa® Credit Card
- 6. Removing yourself as a co-signer isn’t easy
- When to expect your child tax credit refund
- What is Tesla Insurance?
- What are the best index funds?
- You can prioritize other financial goals
- Commit 20% of your income to savings and debt repayment
- 6. What's your investment philosophy?
- Where Geico falls short
- 4. Seek help through debt relief
- 3. Decide how much stock you want to buy
- 3. Set a target purchase price
- Memberships
- JSX and Silver Airlines
- Credit cards help build credit
- Exchange frequently? Consider a multicurrency account
- You may not qualify for a low rate
- Capital One Spark Miles for Business
- 4. Chase Sapphire Reserve®
- 6. High-yield checking accounts
- Consumer Cellular
- TurboTax's human tax help
- Step 4: Plan the business budget
- Find the best HELOC lender for you
- Consumer experience
- The catch: Your health plan's network
- Take action before missed payments hurt you
- Our pick for: Beginner-friendly features
- After 24 hours
- Rather than upgrade, consider applying for a new card
- Why we like it
- Do you pay tax on T-notes?
- 6. Coca‑Cola Foundation
- Chase Freedom® and Chase Freedom Flex℠
- 2. Low cost
- How do I grow my home's equity?
- If you’re wondering where Southwest can take you …
- How to finance the startup costs
- 2023 capital gains tax calculator
- PayPal
- Roth IRA withdrawal rules
- How to redeem Qatar Airways Qmiles for maximum value
- Cheapest car insurance after a speeding ticket: State Farm
- How to open a brokerage account
- Net worth of U.S. families by education
- Final thoughts on redeeming American Airlines miles
- What state has the highest gas prices?
- 1-year target estimate
- What if I’m enrolled in Public Service Loan Forgiveness?
- 13. Rent out a room
- Irrevocable life insurance trusts (ILITs)
- Alternative minimum tax
- Self-Help Loan Pool
- Porter Capital
- 5. You may qualify with no Social Security number
- When can DTI be higher than 36%?
- What's next?
- Travel perks
- Brokered CDs have risks and rewards
- Best-performing REIT stocks: September 2023
- Debt management plan
- Medicare Part D (prescription drugs)
- 7. Suspend your benefit
- 4. Sell some merch
- Charging stations
- Shopping and dining
- HELOC requirements
- Accion Opportunity Fund
- Watch out for IRS phone scams
- Google Fi
- 5. Southwest Rapid Rewards® Plus Credit Card
- Understanding your results
- Be flexible with destination, airport and dates
- Refinancing a VA home loan
- Your stolen stuff
- Robert Wood Johnson University Hospital
- How fast will it be?
- In network
- Next Steps
- How to freeze your child’s credit
- 3. Strong long-term returns
- Days in the cycle
- Rent vs. inflation
- Roth IRA withdrawal penalty
- Geico vs. competitors
- 2. Is now the right time to buy bonds?
- 5. Earn an airline companion pass
- 5. Upwork
- General partners
- 5. Make money from your blog with affiliate links
- How did we determine the value of Capital One miles?
- Credit cards
- Working from home tips
- 7. Determine which warranties are right for you
- How to adjust your W-4
- National Debt Relief vs. other options
- ISO caveats to keep in mind
- 5. Keep an eye on trade policy
- Example CD APYs at select institutions
- Standard deduction for dependents
- Benefits of co-signing a loan
- Citi Dividend
- The long strangle
- 5. It's not all bad news
- 7. Gather your loan paperwork
- 4. Rewards for insurance premiums are capped
- 7. What asset allocation will you use?
- Geico vs. Allstate home insurance
- Bankruptcy
- On Qatar flights
- What are some of the financial hurdles LGBTQ+ couples may face as they're planning to grow their families? How would you advise preparing for those hurdles?
- Life insurance
- Step 5: Submit your application and get funded
- Shopping
- Qatar Airways
- When not to use a credit card
- The best place to exchange currency at the end of your trip
- Do you pay taxes when you receive a gift?
- Drawbacks of RSUs
- Compare auto insurance rates for 35-year-olds
- 4. Price your product
- Can I still get a past year's earned income tax credit?
- TurboTax's support options
- Out of network
- Additional options
- Consequences of a child tax credit error
- Rocket Lawyer: Best customer service
- 7. Walmart Foundation
- Farmers
- 5. MoneyLion: Best for existing customers
- How to estimate taxes for an income tax extension
- Where to find the best savings accounts
- How income tax brackets work
- How to get a home equity line of credit
- 14. Moonlight as a dog sitter
- You could fall behind on payments
- Prepaid cell phone plans with limited data
- You can buy gold, but should you?
- Where USAA stands out
- Should you pay rent with your credit card?
- More about tax software providers
- Cost
- Learn more about sector ETFs:
- How Tesla Insurance works
- Capital gains tax rates 2022
- Roth IRA vs. traditional IRA: What's the difference?
- Best-performing REIT mutual funds: September 2023
- Debt settlement
- Medigap (Medicare Supplement Insurance)
- Are these the best dividend stocks?
- 8. Use a do-over
- If you want to fly for free ...
- 5. Offer memberships
- What can trigger a gift tax return?
- Average annual rate for 35-year-olds, by company
- Work from home job scams
- How to have more taxes taken out of your paycheck
- Ways to get help
- Debt management plan
- Types of VA home loans
- Using your credit card for rental car coverage
- Consider the cost
- Is solar panel installation right for your home?
- Money market accounts, national average savings rate: 0.65%
- Upgrade Cash Rewards Visa®
- Is Brightline worth it?
- Getting your Delta Air Lines refund
- 401(k) changes
- Cheapest car insurance after an accident: State Farm
- Finding a car you can afford
- How will my loan application affect my credit score?
- Brokerage accounts vs. IRA
- How to earn or redeem TrueBlue points with other JetBlue travel partners
- What state has the lowest gas prices?
- 1. Federal income tax rates are progressive
- Rapid Rewards Shopping
- 15. Become a rideshare or delivery driver
- Which type of life insurance should I put in a trust?
- AT&T
- 6. United℠ Explorer Card
- 2020-2022 earned income credit amount
- Payment plans for monthly expenses
- Our pick for: Fixed monthly payments
- Find and compare small-business loans
- What it looks like
- When to get a credit freeze
- What's next?
- Tips for brewery startups
- 8. Get a preapproval letter
- Venmo
- Best-performing U.S. REIT ETFs: September 2023
- Geico vs. State Farm home insurance
- Disability insurance
- 3. Sell your castoffs
- Gifting large sums of money to family
- 6. Sell your wares on Etsy
- Government loans
- 5. Citi Premier® Card
- 8. Negotiate the best price
- If you're audited
- Possible strikes to come:
- Where USAA falls short
- Doing the math on copays, coinsurance and deductibles
- U.S. Bank Cash+® Visa Signature® Card
- What is my 2022 standard deduction?
- Does co-signing a loan build credit?
- State child tax credits
- Corporate grants for nonprofits
- Long-term capital gains tax rates (2022)
- 5. All three come with cell phone insurance
- 8. What investment benchmarks do you use?
- 3. Which bonds are right for my portfolio?
- On partner flights
- More about the influencers
- How long will it take for my application to be approved?
- How to pay quarterly taxes or make estimated tax payments
- How much money can you make on YouTube?
- How much can you borrow with a HELOC?
- 16. Cut your insurance premiums
- 5. Find your customers
- T-Mobile
- How to have less tax taken out of your paycheck
- Debt consolidation
- Culinary and Bartenders Unions
- Example money market account APYs at select institutions
- NC Home Advantage Tax Credit
- Pros
- Sweet spot No. 3: Transferring miles between Iberia, Aer Lingus and British Airways
- Longer list of extras for the Southwest Rapid Rewards® Priority Credit Card
- Enrolling in Medicare
- IHG Rewards Club
- 6. OfferUp
- LiftFund
- You haven’t addressed the root problem
- EveryDollar, for simple zero-based budgeting
- How many times can you use a VA home loan?
- USAA vs. competitors
- Prudence's policy:
- Our pick for: Cell phone and internet bill payments
- 8. Amazon Web Services (AWS) Imagine Grant
- Cons of a credit freeze
- Appendix: How the math works in our examples
- 6. SoLo Funds: Best for peer-to-peer cash advances
- REITs' average return
- How long will it take to get funded?
- Rapid Rewards Dining
- Springing for vacations, cars or other stuff
- Varo Believe Secured Credit Card
- Verizon
- If you're getting a refund
- Buying rental car insurance on your own
- USAA vs. State Farm home insurance
- If you want Wi-Fi on your flight
- How to get help with your ISOs
- Child tax credit vs. child and dependent care credit
- If you're seeking a Delta refund
- Cons
- Who is most likely to rent?
- Home shopping tips
- 2022 capital gains tax calculator
- Is Geico home insurance right for you?
- 4. Earn badges through Live videos
- Average annual rate for 35-year-olds, by state
- 7. Delta SkyMiles® Gold American Express Card
- How to use a W-4 to owe nothing on a tax return
- Step 5: Register the business
- Bankruptcy
- Scenario: Doctor visits and an MRI
- The synthetic long
- 9. Choose a real estate agent carefully
- The Hanover
- 9. Who is your custodian?
- Pros of investing in REIT stocks
- 2. Income thresholds for tax brackets are updated annually
- Laid-back loans
- 17. Consolidate your debt
- 7. Self-publish an e-book
- Our pick for: Varo users
- 9. Maximize trade-in value, if applicable
- Allianz Global Assistance
- Coalition of Kaiser Permanente Unions
- Discover it® Secured Credit Card
- 2022 vs. 2023 standard deduction
- What is the $500 credit for other dependents (ODC)?
- Why we like it
- Credit freeze or credit lock?
- Walmart2Walmart
- Other home insurance companies to consider
- Medicare enrollment periods
- Other ways to redeem Qmiles
- Cheapest car insurance after a DUI: State Farm
- Frequently asked questions about estimated tax payments
- YOTEL
- Earn an audience, and earn more in the long run
- 6. Get the logistics down
- 6. Capital One SavorOne Cash Rewards Credit Card
- Cell phone plans for international use
- Other ways to make money
- The difference between interest rate and APY
- Our pick for: An upgrade path
- More about these cards
- Option 3: Call the IRS to locate your EIN
- Capital gains tax rules and considerations
- Invest in bonds: next steps
- How to maximize your rewards
- Can you pay estimated taxes anytime?
- Types of gas
- 3. State income taxes may work differently than federal income taxes
- Joint bank accounts
- How to get a debt consolidation loan
- How TurboTax compares
- DIY debt settlement
- Bonzah
- How to protect your credit if you co-sign a loan
- History of the child tax credit
- Is Tesla Insurance worth it?
- 10. Narrow down your ideal type of house and neighborhood
- What are the best Nasdaq index funds?
- 10. What tax hit do I face if I invest with you?
- Cons of investing in REIT stocks
- Qatar Airways elite status program: Privilege Club
- 5. Monetize Reels with bonuses
- 7. Poshmark
- 18. Refinance your student loans
- AT&T
- USAA vs. Allstate home insurance
- Rent vs. income
- Collectible assets
- 7. Klover: Best for no-fee advances
- What happens if I forget to pay my quarterly taxes?
- Avis and Budget Rent-a-Car
- Friends and family
- Is getting a HELOC a good idea?
- Justine Petersen
- 10. Make the purchase
- W-4 withholding calculator
- The bottom line
- Rental Cover
- Service Employees International Union (SEIU) Local 721
- Scenario: Trip to the ER
- First-time home buyer programs near North Carolina
- LegalZoom: Best state-specific legal advice
- 9. State Farm Good Neighbor Citizenship Company Grants
- Who can access frozen credit reports?
- Investing in REITs: How to get started
- How to enroll in Medicare
- How to earn status
- Other ways to make money
- 19. Change your cell phone plan
- 8. Get advertising revenue from your blog or YouTube channel
- Frequently asked questions
- Boost
- When to claim the standard deduction
- Cost
- What is a marginal tax rate?
- Pros
- Compare car insurance rates for drivers with a DUI
- Is an import/export business profitable?
- Sure
- Sweet spot No. 4: Use American Airlines or British Airways to avoid poor Qantas awards
- Why insuring a Tesla is so expensive
- The net investment income tax
- How can I make paying quarterly taxes easier?
- If you want to transfer Southwest Rapid Rewards points
- Avoid risky loans
- Empower Personal Wealth, for tracking wealth and spending
- T-Mobile
- 8. The Platinum Card® from American Express
- USAA vs. Geico home insurance
- Mission Lane Visa® Credit Card
- National first-time home buyer programs
- What it looks like
- Why you need to know your business tax ID number
- Western Union
- Cheapest auto insurance for poor credit: Geico
- Why are California gas prices so high?
- Cons
- Average annual rate for drivers with a DUI, by company
- How do import/export companies make money?
- Lending circles
- What else to know about Form W-4
- Association of Professional Flight Attendants
- How the FDIC calculates national rates
- Our pick for: No security deposit, low annual fee
- Alternatives to co-signing a loan
- 10. Google Ad Grants
- How much is a Tesla?
- Nationwide
- Privileges Club member levels
- Transfer points to your TrueBlue account from Chase, Citi or American Express
- Other tips for spending on a credit card in Vegas
- 1. Has the W-4 form changed?
- The bottom line: Do you need rental car insurance?
- Pros
- 11. Stick to your budget
- 8. Chime: Best for overdraft protection
- Can you keep your doctor on Medicare?
- 2022-2023 marginal tax rate calculator
- What is an export license?
- 9. Become an Instagram influencer
- Step 6: Find and maintain clients
- Is USAA home insurance right for you?
- U.S. Bank Shopper Cash Rewards™ Visa Signature® Card
- Cons
- The bottom line
- How to avoid, reduce or minimize capital gains taxes
- Qatar Airways for points collectors
- Kiva U.S.
- Average annual rate for drivers with a DUI, by state
- What documents do I need to import goods?
- 2. What does it mean to be exempt from taxes?
- How many strikes happened in 2022?
- Our pick for: Maximized value
- 1. Hold on
- What is an effective tax rate?
- Is it better to get a home equity loan or line of credit?
- More resources
- If you want to book your Las Vegas stay with a hotel credit card
- Why we like it
- How to find and get grants for nonprofits
- Tesla repair costs
- How much does homeowners insurance cost in Georgia?
- What Medicare doesn't cover
- Does the president control gas prices?
- The bottom line
- 9. Capital One Venture Rewards Credit Card
- Prosper® Card
- More from NerdWallet
- How to find another company's EIN
- National vacancy rates: Homeowner vs. rental
- 12. Make the most of walk-throughs and open houses
- Pros and cons of loan apps
- How to get into a lower tax bracket and pay a lower federal income tax rate
- Family loans
- Our pick for: No security deposit, low annual fee, potentially high credit limit
- 2. Use tax-advantaged accounts
- Zelle:
- 10. Monetize your Twitch channel
- Grow Credit Mastercard
- Review your mission
- Quick start guide: How to invest in index funds
- What to do if you can’t keep up with your HELOC payments
- Our pick for: Subscriptions
- 3. When should I review my W-4?
- 1. Ask the company
- State Farm
- Pros
- PocketGuard, for a simplified budgeting snapshot
- Do Your Own Will: Best free will software
- Refine your search with keywords
- Average cost of homeowners insurance in Georgia by city
- Home purchasing tips
- 3. Rebalance with dividends
- 1. Have a goal for your index funds
- Medicare vs. Medicaid
- Cheapest car insurance for young drivers
- Compare auto insurance rates for drivers with poor credit
- 10. Hilton Honors American Express Aspire Card
- Cost
- 2. Search SEC filings
- 13. Don’t skip the home inspections
- Cons
- Grameen America
- 4. Can I adjust my W-4 multiple times throughout the year?
- Step 7: Invest in advertising and expanding
- Tax brackets and rates for 2012-2021
- Capital One QuicksilverOne Cash Rewards Credit Card
- What it looks like
- Consider hiring a grant writer
- The cheapest home insurance in Georgia
- 4. Exclude home sales
- 2. Research index funds
- Average annual rate for drivers with poor credit, by company
- 11. Sell your photography
- Cash advance apps
- Our pick for: Average credit and rewards
- Are cash advance apps payday lenders?
- Do I need additional travel insurance?
- The bottom line
- Pros
- 3. Inquire with a credit bureau
- 14. Negotiate with the seller
- What to know about the best ways to send money
- Where can I find out more?
- Tax brackets and rates for 2012-2020
- 2019 Federal Income Tax Brackets
- 2018 Federal Income Tax Brackets
- 2017 Federal Income Tax Brackets
- 2016 Federal Income Tax Brackets
- 2015 Federal Income Tax Brackets
- 2014 Federal Income Tax Brackets
- 2013 Federal Income Tax Brackets
- 2012 Federal Income Tax Brackets
- Tax tools
- Prime Visa
- 5. Carry losses over
- Cons
- 4. Use a paid EIN database
- What to know about Georgia homeowners insurance
- Travelers
- More tax articles
- Our pick for: Prime gaming
- 3. Pick your index funds
- Are apps like DailyPay and Payactiv cash advance apps?
- Cheapest car insurance for senior drivers
- Why we like it
- 5. Use Melissa Database for nonprofits
- Thunderstorms
- 15. Buy adequate home insurance
- 6. Consider a robo-advisor
- Other borrowing options
- Average annual rate for drivers with poor credit, by state
- How to make money from home
- Honeydue, for budgeting with a partner
- Capital One Platinum Credit Card
- Our pick for: Average credit and no annual fee
- 12. Become a dog walker with Rover or Wag
- Pawn loans
- Fabric by Gerber Life: Best online will maker for young families
- Alternatives to cash advance apps
- Cost
- Hurricanes
- 4. Decide where to buy your index funds
- OpenSky® Secured Visa® Credit Card
- Cards with travel insurance, recapped
- How to change or cancel an EIN
- Our pick for: Those who are unbanked
- What it looks like
- USAA
- Cheapest car insurance by state
- 13. Sell unused gift cards
- AvantCard Credit Card
- Pros
- Our pick for: Limited credit
- Tornadoes
- 5. Buy index funds
- Compare car insurance rates for drivers with an accident
- Cons
- Fudget, for budgeting without syncing accounts
- Target REDcard™ Credit Card
- Georgia FAIR Plan
- Why we like it
- Frequently asked questions
- 14. List your spare bedroom on Airbnb
- Our pick for: Target gaming purchases
- 1. How do I get a tax ID number for a small business?
- 6. Keep an eye on your index funds
- Average annual rate for drivers with an accident, by company
- Georgia Office of Insurance and Safety Fire Commissioner
- How to get cheap car insurance
- Blue Cash Everyday® Card from American Express
- What other services does each software offer?
- 2. Is a business tax ID number the same as an EIN?
- Our pick for: Good credit
- Looking for more insurance in Georgia?
- Are online wills legit?
- 3. Can you have a business without an EIN?
- Cred.ai Credit Card
- Average annual rate for drivers with an accident, by state
- How to make money offline
- Budgeting resources from NerdWallet
- Other ways to write an online will
- 4. Do I need an EIN if I am self-employed?
- Our pick for: Spending guardrails
- Download a template
- 15. Sell your gently used clothes
- The bottom line
- Capital One Venture Rewards Credit Card
- Our pick for: Travel
- Hire an attorney or estate tax professional
- Capital One® Walmart Rewards™ Mastercard®
- Hybrid approach
- How much is pet insurance?
- How to compare car insurance quotes
- 16. Trade in old phones, electronics for cash
- Methodology to identify the best budget apps
- Our pick for: Walmart gaming purchases
- Compare cards
- 1. Gather your information
- Apple Card
- Our pick for: Instant gratification
- 17. Get a babysitting gig
- GO2bank Secured Credit Card
- 2. Choose the right liability car insurance coverage levels
- Our pick for: A low security deposit
- How to compare pet insurance companies
- Venmo Credit Card
- 18. Rent out your car
- PlayStation Visa Credit Card
- 1. Check whether your pet is eligible
- Our pick for: Personalized rewards
- Our pick for: PlayStation purchases
- 2. Research what’s covered
- 19. Sign up for TaskRabbit
- 3. Decide if you need full coverage car insurance
- 3. Decide how much coverage you want
- 20. Become a private tutor
- Self Visa® Secured Card
- 4. Understand reimbursements and deductibles
- Our pick for: A mix of credit-building features
- Best Buy credit cards
- 21. Drive for Uber, Lyft
- Our pick for: Best Buy purchases
- 4. Collect and compare car insurance quotes
- 5. Check waiting periods
- 22. Make deliveries for Amazon, Uber Eats
- 6. Examine extra costs
- How to choose an insurance company
- 7. Compare quotes
- 23. Find work as a housesitter
- Credit cards that didn't make the list
- 24. Sign up to be a mystery shopper
- Compare car insurance companies
- 25. Put your drone to work
- Watch out for making money scams
Medical insurance
Medical insurance helps cover your expenses if you’re hit with a big health-related bill. It’s also frequently used to pay for routine preventive care. The basic types of medical insurance are:
Health insurance
Even if you’re young and healthy, you need health insurance. If you don’t have insurance and you’re not covered by a program like Medicare or Medicaid, you’ll likely have to pay 100% of your health care costs out of pocket. Hospitals typically charge uninsured patients anywhere from two to four times what they’d charge an insurance company or public program.
Many people receive health coverage through their jobs. If you don’t work for a company that offers health insurance or you’re self-employed, you can shop for a plan on the Health Insurance Marketplace using healthcare.gov.
Dental insurance
Dental insurance pays for most preventive and basic dental care, like cleanings, checkups and fillings. If you need a major procedure, like a root canal, many plans will only pay around 50%. Still, dental insurance is often worth the cost if you take advantage of preventive care.
Vision insurance
Vision insurance pays for a portion of basic eye care, including eye exams, eyeglasses and contact lenses. If you don’t wear eyeglasses or contact lenses and only require an occasional eye exam, vision insurance may not be worth the cost.
Property and casualty insurance
Property insurance protects the things you own, like your house or car. Casualty insurance protects your assets in case you’re found legally liable for an injury or property damage. These two types of insurance are frequently lumped together in a single policy.
Homeowners insurance
Homeowners insurance helps you pay for repairs and replacement costs if your home is damaged by certain disasters, like a fire, or you’re the victim of vandalism or theft.
Though homeowners insurance isn’t required by law, your lender will probably require it if you have a mortgage. Even when it isn’t required, you don’t want to skip homeowners insurance due to the exorbitant costs of a major repair or rebuilding your home altogether.
Renters insurance
Your landlord probably has insurance on the property you rent, but most landlords’ policies only cover damage to the building and not your personal belongings. Renters insurance helps pay for the cost of replacing your belongings, like your furniture, clothing and electronics. It also offers liability protection and assistance with temporary housing costs if your unit becomes uninhabitable.
Some landlords require renters to have insurance. Even when it isn’t required, renters insurance is a wise choice, and it may cost less than you expect. The typical monthly premium for renters insurance ranges from $8 to $21, depending on your state.
Auto insurance
An auto insurance policy can financially protect you in the event of an accident, or if your car is stolen. Almost every state requires a minimum amount in order to drive legally. These minimum requirements include liability insurance, which pays for injuries or property damage you cause if you are at fault in an accident.
Damage to your own car is covered by two optional coverage types called comprehensive coverage and collision coverage, though they are typically required if you lease or finance your car. These coverage types, when combined with your state’s minimum requirements, are referred to as full coverage car insurance.
Most insurance companies offer optional types of car insurance coverage that can provide additional financial protection. For example, many insurers offer rental reimbursement, which pays for a rental car if yours is in the shop for a covered claim.
Pet insurance
Any pet parent who believes they wouldn’t be able to afford a major vet bill out of pocket should shop for pet insurance. Veterinary bills can add up quickly when your furry friend is sick or injured. For example, the cost of canine intestinal blockage surgery could be anywhere from $800 to $7,000, according to the Canine Journal.
Flood insurance
Most water damage caused by flooding isn’t covered by a standard homeowners insurance policy. That’s a serious concern for homeowners given recent severe weather events like Hurricane Ian in Florida, record-breaking rain in Montpelier, Vermont, and historic flash floods in Kentucky. You’ll need separate flood insurance to cover these types of damages.
Your lender will require flood insurance if you live in a FEMA-designated “special flood hazard area.”
Umbrella insurance
An umbrella insurance policy kicks in if you’re responsible for damages or injuries that exceed the limits of your other policies, like homeowners and auto insurance. It often pays for your legal costs as well. Umbrella insurance isn’t legally required, but if you own property or have significant assets, consider an umbrella policy for additional protection.
Other types of property and casualty insurance
You may need other types of property and casualty insurance based on your situation. For example, earthquake insurance is probably necessary if you live near a fault line, as standard homeowners and renters policies don’t cover earthquake-related damage. If you own a boat, snowmobile, golf cart or all-terrain vehicle, you’ll need power sports insurance. Landlord insurance is a must if you own a property that generates rental income.
Life insurance
Would your death place a financial burden on others? If the answer is yes, then you need life insurance. If you’re not sure, ask yourself the following:
Does your partner or spouse rely on your income?
Do you have children or other dependents who rely on your income?
Could someone else inherit your debt, like a co-signer or joint account owner, or your spouse if you live in a community property state?
Would your funeral place a financial burden on loved ones?
Is your estate large enough that it could be subject to federal estate tax?
Do you own a business that employs people that would likely fail in your absence?
If you answered yes to any of these questions, life insurance is a must. In most situations, term life insurance will be sufficient to meet your needs.
Disability insurance
A 20-year-old worker has about a 1 in 4 chance of becoming disabled before reaching retirement age.
Disability insurance replaces part of your income if you become unable able to work due to an illness or injury. Many employers offer disability insurance, but if you’re self-employed or your employer doesn’t offer coverage, consider buying individual short-term and long-term policies.
