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Table of Contents
- Dividend definition
- See how to get your business started quickly
- What is the average stock market return?
- What is the earned income tax credit?
- Bizee: Easily form your new business
- What is a cashier's check?
- What is sales tax?
- What is a brokerage account?
- Definitions: Money Transfer Rates
- What is an FHA loan?
- What is a budget planner?
- What is bill pay?
- Still deciding on the right carrier? Compare Medigap plans
- Medicare Advantage companies
- The parts of Medicare
- What is a 401(k)?
- High-yield bond definition
- Coinbase is best for:
- What is a charitable donation?
- About this tool
- What is a budget?
- What is a rollover IRA?
- What is a custodial Roth IRA?
- Find the right Medicare Advantage plan
- Fidelity is best for:
- Charles Schwab is best for:
- Life insurance buying guide
- What is a W-4?
- What is a Coverdell ESA?
- What is a lady bird deed?
- What is a home equity line of credit?
- About Roth IRAs
- What is a REIT?
- What is a bond?
- About Blue Cross Blue Shield
- Compare Medicare Advantage providers
- About Aetna
- Current promotional CD rates
- See CD rates by term and type
- Quick tips for where to exchange currency
- Still deciding on the right carrier? Compare Medicare Advantage plans
- Work on your credit score
- Consider different cards
- Apply for a secured card
- Wait it out
- Monitor the market
- Stocks
- What is a 1099?
- What is a hot market in real estate?
- Determining how much mortgage I can afford
- What is an authorized user on a credit card?
- What is a credit freeze?
- High-dividend ETFs may generate income
- What is the foreign tax credit?
- How the Southwest Rapid Rewards® Premier Credit Card fits in:
- Best-performing gold ETFs
- What is debt-to-income ratio?
- What are dividend stocks?
- What is withholding tax?
- About AARP home insurance from The Hartford
- Who is eligible to contribute to a Roth IRA?
- 1. Go to a museum, aquarium or zoo
- Good credit utilization follows the 30% rule
- How to buy stocks in 6 steps
- Small-cap ETF definition
- How is rental income taxed?
- Robo-advisor definition
- Virginia Housing highlights and eligibility requirements
- 7 stock tips for beginner investors
- What is an index fund?
- What are clean energy ETFs?
- Still deciding on the right carrier? Compare Medicare Advantage plans
- The best pet insurance companies at a glance
- 7 of the best apps to make money
- What is Global Entry?
- What are Vanguard index funds?
- Tax credit vs. tax deduction example
- First steps: Before you accept a job offer
- When do I need a cashier's check?
- What is Amazon Prime?
- Top credit card benefits for wellness and fitness
- Is 4% a high rate?
- Errors abound in credit reports
- What's the best S&P 500 ETF?
- 1. Compare sites and deals
- What is private mortgage insurance?
- How much does a Gold’s Gym membership cost?
- Snapshot comparison
- How do stocks work?
- Medical insurance
- How to calculate interest in a savings account
- How to use the SBA loan calculator
- Free financial advice
- How to use a savings goal calculator
- 7 best-performing AI stocks
- Can you withdraw money from a 401(k) early?
- What to look for in a health insurance plan
- What a mortgage servicer does
- Interest rate vs. APR
- Cigna Medicare Advantage
- What is a walk-through?
- Spotify Free
- What is an interest-only mortgage?
- Best Prepaid Debit Cards
- Does an unused credit card affect your credit score?
- How a Coverdell ESA works
- 1. Set goals to save for a house
- 1. Certificates of deposit (CDs)
- How much are taxes on lottery winnings?
- Institutions with low or no overdraft fees
- How much is a speeding ticket in California?
- Best stocks by one-year performance
- Microsoft Office Excel budget templates
- Are rates going up?
- How to start a cupcake business: The ultimate guide
- What is a down payment?
- Where they’re based and where they fly
- 1. Report lost debit cards ASAP
- What is a call option?
- The best car insurance
- 1. Sell spare electronics
- California state income tax brackets and rates
- Most profitable small businesses
- What are AI ETFs?
- 50/30/20 budget calculator
- You’re planning a large purchase
- Step 1: Check your credit
- Ways to book a flight with an international layover
- 2023 Arizona state income tax rates and tax brackets
- The best flight booking sites
- Best places to sell clothes online
- General advice for international money transfers
- Georgia small-business grants
- Create a budget plan that works for you
- What does this value mean?
- 1. Open an IRA
- Overview of trademark registration
- 1. It’s a lower-fee way to snag Membership Rewards
- Define ‘fair’
- How to value a small business
- Average car loan interest rates by credit score
- What is a growth stock?
- The best cheap car insurance
- 1. Mind your health insurance deductibles
- The best budget apps
- How to check your Global Entry expiration date
- How long does it take to receive a passport?
- Robinhood is best for:
- Coinbase at a glance
- How do LLC taxes work?
- What is a virtual assistant?
- January
- Why is having a low credit utilization important?
- What’s required to get coverage for CPAP
- Massachusetts state income tax rates and tax brackets
- What are closing costs?
- 1. Set your budget
- What is a DUNS number?
- 1. Backup camera
- Job or career change
- Custodial Roth IRA rules
- Frugal food tips
- Activate quarterly 5% rewards categories
- Fidelity at a glance
- What is a foreign transaction fee?
- Check prices at nearby airports
- What is Clear?
- Remember whom you’re doing it for
- Try a subscription detox
- Brace for another year of high interest rates — and prices
- Advantages of paying off your car loan early
- Best-performing small-cap ETFs
- How to get a tax transcript
- Disney’s Hollywood Studios vs. Epcot
- About Samsonite and Travelpro
- How early direct deposit works
- How to use the mutual fund calculator
- How does capital gains tax on real estate work?
- Earn the sign-up bonus
- How much can I contribute to my IRA?
- What is the child tax credit?
- The main difference: Disney Cruise Line vs. Royal Caribbean
- Best-performing REIT stocks: April 2024
- Step 1: Take inventory of your skills
- Marketing statistics for small business
- How much is Grubhub+?
- Calculate your closing costs
- 10 Common IRS tax forms and schedules
- What is a credit dispute letter?
- 25 side business ideas to try this year
- Accommodations
- How do CDs work?
- On-time percentage
- Reasons to buy a second home
- How do I play Powerball?
- 39 green business ideas
- Buy: Major furniture and appliances
- Overall rankings
- Best-performing clean energy ETFs
- High CD rates for now
- 1. Clean up your credit
- Top American Express cards that don’t charge annual fees
- A tool to be used judiciously
- HELOCs and home equity loans compared
- 1. Find your inspiration
- Spending rewards
- 5 things to know about Frontier flight delay compensation
- How to improve your financial health
- Best fleet fuel cards
- 6 things to do if your rental car is involved in accident
- Sales tax calculator
- How much does an Amazon Prime membership cost?
- How do brokerage accounts work?
- Average savings account rate: 0.46%
- How does bill pay work?
- Best ways to consolidate credit card debt
- When to sign up for Medicare before turning 65
- Pros and cons of Medicare Advantage plans (Medicare Part C)
- Choose Ally if:
- How to find a currency exchange near you
- How to compare FHA vs. conventional loans
- Alternatives to LendUp
- Debt vs. equity financing overview
- Are charitable donations tax-deductible?
- Do medical bills affect your credit?
- Organic frozen berries
- When can you withdraw from a Roth IRA?
- How is APR calculated?
- The main difference between Park Hopper vs. Park Hopper Plus
- Length of credit history vs. credit age
- Charles Schwab at a glance
- 1. Fill out the FAFSA
- How to find your way around an airport
- 6 ways to buy Bitcoin
- A fraudulent transaction is suspected
- 1. Know your bank’s mobile check deposit requirements
- How does a lady bird deed work?
- How do credit union loans work?
- 1. There are two versions of the card
- 1. Text messages and robocalls
- What is an EIN?
- Tax deductions for rental property
- How do Frontier’s seat assignment fees work?
- What is life insurance underwriting?
- Spaces to relax and work
- 6 hardship loans for bad credit
- Details about Morgan Stanley CashPlus
- What is adjusted gross income (AGI)?
- Best web hosting for small business at a glance
- How many credit cards is too many or too few?
- Average monthly expenses by household size
- 1. Sell to a third-party dealer
- How to budget money
- When airline credit cards are worth it
- How to spot origination fees
- Completing the application for a small-business credit card
- What’s the value when booking travel through the Capital One portal?
- What is IRS Direct File?
- International roaming plans: postpaid
- How to send money online, on mobile or in person
- How to find your EIN
- 2. Sell your gift cards
- The best money-making apps
- How to make money online
- What are the advantages of a sole proprietorship?
- How hot is the real estate market now?
- At a glance
- How does being an authorized user affect your credit?
- What is a credit score?
- How much do Instagram influencers make?
- How to use the car affordability calculator
- How the federal funds rate affects federal student loans
- How to freeze your credit with all 3 bureaus
- Why refinance your car loan?
- Know which type of photo you need
- 7 high-dividend ETFs
- U.S. citizens have to report foreign income
- The FDIC insurance limit: $250,000 per depositor, per institution, per category
- What is the 10-year Treasury?
- Amazon Lending pros and cons
- How does a 401(k) work?
- Risk tolerance factors
- Understanding high-yield bonds
- Robinhood at a glance
- 11 best investments right now
- What is the federal solar tax credit?
- What are gold ETFs?
- What is a business credit score?
- Mint vs. NerdWallet at a glance
- What is the 401(k) early withdrawal penalty?
- Do your industry research
- There's no shame in having money shame
- Income tax bracket adjustments
- How your servicer can help if you’re behind on payments
- Transaction types
- Options for an old 401(k)
- Fixed vs. variable student loan?
- How much money can you put in a Roth IRA?
- Car insurance for long-term foreign residents
- Spotify Premium cost
- What are the weekly jobless claims?
- 2. Read a book
- Summary of cash advance apps
- The Platinum Card® from American Express
- What is ‘cash stuffing’?
- Forecasters predict a modest decline in rates
- 1. Understand asset allocation
- Steps to transfer money from one bank to another
- Is a joint bank account a good idea?
- How to invest in stocks in 6 steps
- Key takeaways
- What is PIP insurance in Florida?
- Spirit Airlines bag fees
- How to refer a friend for an AmEx card
- What is an overdraft fee?
- Blue Cross Blue Shield Medicare Advantage pros and cons
- Aetna Medicare Advantage pros and cons
- Multiple applications suggest risk
- Interior cost estimates
- How do index funds work?
- Top credit cards you can use instantly after approval
- The average stock market return isn't always average
- What is the 50/30/20 rule?
- How does the earned income credit work?
- You dine out frequently
- What is a 1099 form used for?
- Ways to avoid seat selection fees
- Where can I get a cashier’s check?
- When to save vs. invest
- 22 popular tax deductions and tax breaks
- Can you get a refund for bad Wi-Fi?
- Earn the welcome bonus
- 2. Negotiate your rate
- Choose Synchrony if:
- How does a home equity loan work?
- How to check on the status of your passport application
- When to choose debt financing vs. equity financing
- How to lower your credit utilization
- How much are closing costs?
- Compare car insurance rates by age
- 2. Blind spot warning and cross-traffic alert
- Paperwork issues account for most disenrollments
- Front-end and back-end DTI
- What’s the purpose of a budget?
- 529 plan rules
- On-time percentage
- Who pays withholding tax?
- Current Discover bonus categories
- How an accident affects your car insurance rates
- Our take
- Hotel resort fees
- Get referrals to listing agents
- Types of USDA loans
- How the Federal Student Aid Estimator works
- Guardian Life insurance
- 1. Make sure it’s the bank and not you
- Personal loans from online lenders
- There’s a new wrinkle
- The market outlook for home buyers
- What does the value of Hilton points mean?
- How to start a catering business in 9 steps
- Who needs to get an EIN?
- Points: Spending rewards
- Types of stock analysis
- Some fields still require advanced degrees
- How to Refer-A-Friend with Chase
- How does the on-ramp work?
- Royal Caribbean vs. Disney Cruise Line
- ASPCA: Best pet insurance for broad coverage
- 1. Change your mindset
- Are these the best stocks to buy now?
- Step 2: Focus on monetizable skills and ideas
- First, adjust your attitude
- Bluehost: Best web hosting service for WooCommerce users
- How much is the next Powerball jackpot?
- Skip: Home electronics
- 403(b) vs. IRA
- 3. Pawn something
- What are dividend stocks and why buy them?
- Cash back cards
- How to calculate your home equity
- 2. Examine your situation
- What comprehensive insurance covers
- The catch to tax credits
- When to choose the American Express® Gold Card
- Do I have to pay Arizona state income tax?
- Cheap car insurance
- Gather key information about your current loan
- Processing issues delay financial aid offers
- Bank wire transfer
- What should you do?
- Why are APYs increasing?
- How to choose an S&P 500 ETF
- How much does it cost to trademark a name?
- Other things to consider
- YNAB, for hands-on zero-based budgeting
- CPAP therapy comes with continuing expenses
- Who needs a DUNS number?
- Authentic Italian ingredients
- What reasons can you withdraw from your 401(k) early?
- 1. Request a balance transfer
- Who qualifies for the Fresh Start program?
- 20 high-dividend stocks
- Where The Hartford/AARP stands out
- When can you no longer contribute to a Roth IRA?
- Ongoing strikes
- 3. Catch a movie
- How to calculate your credit utilization ratio
- Which cards are eligible?
- Visualize what happens without a will
- How to fill out a W-4
- 2. Scour your budget for ways to save
- The timeline to lower inflation
- Buying Bitcoin with PayPal
- 1. Mortgage interest deduction
- Lottery tax calculator
- Why The Platinum Card® from American Express is better for most people
- How the home sale tax exemption works
- How much is the child tax credit worth?
- Best-performing REIT mutual funds: April 2024
- Google Sheets budget templates
- Where can I get IRS tax forms?
- AARP® Essential Rewards Mastercard® from Barclays
- Holiday dishes
- Do you need to put 20% down on a house?
- Are robo-advisors worth it?
- Have the background and the passion
- Best car insurance in Florida overall: Travelers
- Best AI ETFs by one-year performance
- How much money do I need to buy a house?
- How can I get a cashier’s check?
- How many Instagram followers do you need to make money?
- State sales tax
- How to apply for federal student loans
- Best affordable homeowners insurance in Florida: Nationwide
- Credit bureaus profit from consumer confusion
- 2. It's a decent card for groceries, gas and travel
- Best-performing growth stocks
- Best place to exchange currency: Your bank or credit union
- So which is better, Robinhood or Coinbase?
- Services offered by virtual assistants
- Do I have to pay Massachusetts state income tax?
- How tax-deductible donations work
- Roth IRA withdrawal rules
- How to transfer a 401(k) to IRA
- How to open a custodial Roth IRA for kids
- UnitedHealthcare Medicare Advantage
- Frugal shopping tips
- Park Hopper
- Review listing agents' experience
- Who can qualify for an interest-only mortgage?
- 1. Brigit: Best for budgeting tools
- Bluebird by American Express
- 2. Consider your tolerance for risk
- 2. Confirm the check amount is within mobile deposit limits
- Cheap(er) cell phone plans from Verizon, T-Mobile and AT&T
- Options if you’re under 21
- 2. Cash management accounts
- BEST STORE CARDS
- 2. Advertisements of ‘guaranteed’ approval
- Why invest in small-cap ETFs?
- Pros of joint bank accounts
- Samsonite vs. Travelpro comparison
- Advanced degrees could hedge against a recession
- Today’s HELOC rates
- Types of bonds
- Savings bond calculator
- When to be extra cautious
- 2. Sell to a participating dealer
- CD rate trends 2024: Higher short-term CDs
- How to compare lender fees and rates
- Buy: Small appliances
- Why invest in index funds?
- Chase Sapphire Preferred® Card
- How much does Global Entry cost?
- MOHELA administrative forbearance
- Bonds
- How do Vanguard index funds work?
- How to choose a brokerage account provider
- Information you need to freeze your credit
- Biden's student loan forgiveness 'plan B' would be more targeted
- Marriott points calculator
- Renew to get your anniversary bonus points
- Ask your kids what they think
- Are auto loan interest rates rising?
- 3. Look for last-minute deals
- How much is PMI?
- 2. Use or lose your FSA balance
- How LLCs pay income taxes
- February
- Create your free account
- 2. Shop for a loan
- Pricing transparency
- How withholding taxes are calculated
- Before the walk-through
- 2. Search for scholarships
- Is it the same as a currency conversion fee?
- 2. Use the mobile app instead
- How closing a credit card can affect your score
- Best credit union personal loans for 2024
- What’s in Disney’s Hollywood Studios?
- What does Florida PIP insurance pay for?
- What types of institutions offer early direct deposit?
- The risk factor checklist: What are underwriters digging for?
- Food and drink at the Plumeria Lounge
- Best-performing REIT ETFs: April 2024
- 2. Do your research
- Key findings:
- 7 best stocks to buy now, according to analysts
- What Grubhub+ restaurants are in your city?
- When will savings interest rates go down?
- What credit report errors can you dispute?
- Flight cancellations
- Virginia Housing first-time home buyer programs
- Where was Direct File available?
- Clean energy ETFs in detail
- 4. Work today for fast cash today
- You’re a member of Delta’s SkyMiles Dining program
- Who gets a 1099?
- Step 2: Pre-qualify and compare offers
- Tips for navigating a hot real estate market
- What are the benefits of Amazon Prime?
- How to get Public Service Loan Forgiveness
- Current car loan information you will need
- Can you live off ETF dividends?
- FHA vs. conventional loans
- What it means to have FDIC insurance
- What is the 10-year treasury yield today?
- Amazon Lending products at a glance
- Types of bank accounts in this quiz
- Why should you own stocks?
- What you'll need for your Global Entry renewal
- Solar tax credit 2024
- What you pay for CPAP
- How are business credit scores calculated?
- Are paid surveys worth it?
- 3. Bluetooth connectivity
- Ideas for spending less
- Should you compare mortgage rate or APR?
- Where The Hartford/AARP falls short
- An independent agent can help
- Credit age matters, but other factors matter more
- What are the benefits?
- Guardian Life insurance policies
- Unauthorized activity is detected
- 3. Endorse the check
- 2. 5% back doesn't apply to gas (seriously)
- A less radical approach can also work
- How do lottery taxes work?
- Learn more
- How to calculate adjusted gross income
- How do you calculate closing costs on a house?
- How many credit cards should I have?
- How to cancel an interview
- The pros and cons of a life insurance trust
- How to buy a second home
- Exterior cost estimates
- 2. Account frozen? Submit documentation
- 5-year, 10-year, 20-year and 30-year S&P 500 returns
- Earned income tax credit 2023
- A big decision about tax deductions
- How to pick a good savings account
- Building foundations
- How to monetize your Instagram with fewer followers
- How to determine how much car you can afford
- Some foreign income may be tax-free
- Earn more points by using the card
- Ally Bank vs. Synchrony Bank: Basic checking accounts
- Property and casualty insurance
- High-yield bonds and credit ratings
- How to invest in gold ETFs
- Other alternatives to Mint
- Why does the renewal process fail for so many?
- Employment gap
- Why is budgeting important?
- Investing for income: Dividend stocks vs. dividend funds
- Our tips
- 4. Play a game inside
- Interview multiple listing agents
- How the cash stuffing method works
- Discretionary income explained
- Clear’s bag drop service
- Keep it simple
- 2. Depreciation deduction
- What if I don’t pay for seat selection?
- Rack up rewards points
- Overdraft protection
- What to do after you get a speeding ticket in California
- Focus on feelings
- 2. Rebalance your debts and income
- Buying a call option
- Global Entry advantages
- Types of AI ETFs
- Why chargebacks are increasing
- Your rewards card rotation has category gaps
- How the federal funds rate affects private loans
- Am I a resident for Arizona state income tax purposes?
- What items need to have sales tax?
- What type of federal student loans can I get?
- AmEx Platinum vs. Chase Sapphire Reserve: Deciding factors
- Historical national rates
- 2. Set financial priorities
- What is identity theft?
- Where do I find top savings accounts?
- How Medicare Advantage plans work
- How to use average car interest rates
- Types of financial institutions in this quiz
- How does the solar tax credit work?
- Am I a resident for Massachusetts state income tax purposes?
- How to determine your closing costs
- If Great Lakes reported your account in error during auto forbearance
- Baking supplies and real maple syrup
- 4. Head-up display
- How to start a cleaning business in 7 steps
- Increased standard deduction
- How to know who your mortgage servicer is
- Flight cancellations
- 5 reasons why a Roth IRA can be right for minors
- Current Chase bonus categories
- What are the Roth IRA rules for withdrawals?
- Staying awhile? Get your U.S. driver’s license soon
- Airline seat selection fees
- Qualifying for a USDA-guaranteed mortgage
- Use a credit utilization calculator
- Search for one-way flights
- 3. Check your bank’s social media posts
- Alternatives to closing a credit card
- How much equity do you have?
- 3. Automate and maximize savings
- Pros and cons of a lady bird deed
- What to consider
- 3. No state registration
- Cons of joint bank accounts
- Types of tax transcripts
- Financial institutions with early direct deposit
- What to consider when you're referring
- Making referrals: Caveats and considerations
- What is a Roth IRA account?
- When should I contribute to my IRA?
- Unsecured subprime cards cost consumers billions per year
- Step 3: Research the top places to make money online
- IPage: Cheapest small-business web hosting
- NerdWallet’s budget planner
- How to maximize your savings rate for the future
- Minimum down payment requirements
- Current CD rates: high-yield and national averages by term
- When is the next Powerball drawing?
- Operational reliability
- What’s the value when transferring to Capital One partners?
- 5. Seek community loans and assistance
- Dividend vs. growth stocks
- About home equity loans
- Are Vanguard index funds a good investment?
- Travel perks and protections
- What mortgage can I afford?
- You can’t correct submitted FAFSAs yet
- Know where to look for a photographer
- Use a budget planner
- How do Marriott Bonvoy points compare to other hotel programs?
- How to set up bill pay
- Making your case
- Identity ‘verification’ systems block the wrong people
- 3. Get 50% extra points by staying loyal
- How to find growth stocks
- 4. Explore alternative accommodations
- Another money-change option: online currency converters
- Should I choose a home equity loan or a HELOC?
- How to get a DUNS number
- Calculate your DTI
- Overall cost
- 2. Wait for the transfer to go through
- How to sign up for the Fresh Start program
- 5. Play a game outside
- 3. Choose an affordable school
- How to use the Federal Student Aid Estimator
- 3. High-yield money market accounts (MMAs)
- Who qualifies for the home sales tax exclusion?
- Requirements: Who qualifies for the child tax credit?
- How do REITs work?
- 3. Tell a friend
- Alternatives to Grubhub+
- Aetna Medicare star ratings
- 3. Buy your car to sell or keep
- Can you negotiate mortgage origination fees?
- Skip: Swimwear and lingerie
- 3. Ask your bank for relief
- What is an index?
- International roaming: prepaid
- Best car insurance in Florida for your budget: Geico
- Administrative forbearance for other student loan servicers
- What happens during an international layover
- Is my money safe in a high-interest, online account?
- How the foreign earned income exclusion works
- You only need one S&P 500 ETF
- What’s included in a Gold’s Gym membership?
- What happens if my passport doesn't come in time?
- March
- 3. Determine other ownership costs
- What are AI stocks?
- 5. Dash cam
- How do you start a budget?
- Types of withholding and payroll tax
- State availability
- Typical uses for an interest-only mortgage
- How to avoid foreign transaction fees
- Inflation is the wild card
- 3. You'll save 5 cents per gallon on gas
- Learn more
- The different types of life insurance underwriting
- Treat the on-ramp as a safety net
- How to find the best stocks to buy now
- Blue Cross Blue Shield Medicare star ratings
- Breaking down the cost to paint a house
- 6. Ask for forbearance on bills
- How to buy AI ETFs
- Who needs a comprehensive insurance policy
- You pack light when traveling
- Do I need a 1099 to file my taxes?
- How much does a cashier’s check cost?
- 5 ways to make money on Instagram
- How much can I borrow in federal student loans?
- Other options
- How to invest in dividend ETFs
- Cash App
- Redeem points for Southwest flights
- 4. You’ll pay 0% interest at first
- Think hard about asking kids to share
- 3. Plan holiday spending
- Best car insurance companies: Our winners
- The risks of ignoring risk tolerance
- Is the solar tax credit refundable?
- Do personal credit scores affect business credit scores?
- Why do lenders sell mortgage loans?
- How to calculate debt-to-income ratio for a mortgage
- Definitions
- Frugal entertainment tips
- How many jobs were added in March?
- 6. Volunteer
- 2. Empower: Best for fast cash
- 4. Be on guard against fraudsters
- Use employee benefits
- 4. Open the mobile deposit function in your bank app
- Coverdell ESA vs. 529 plans
- How to apply for an employer identification number
- Joint bank accounts and marriage
- Graduate programs don't always pay off
- What is a hardship loan?
- Overdraft fees by institution
- Potential issues with having multiple credit cards
- 10 largest lottery jackpots
- What were the income limits for IRS Direct File?
- Best car insurance companies: Our winners
- California income tax deadlines and extensions
- How are dividends paid out?
- The best Global Entry benefits
- Who benefits from becoming an authorized user?
- Stacking up wins
- Best homeowners insurance in Florida for coverage: State Farm
- Higher Education Act justifies plan B
- Average interest checking account rate: 0.08%
- FHA loan requirements
- Price vs. yield
- How to choose the best Medicare Advantage plan
- 5. Pick a different neighborhood
- Banking terms to know
- What does it mean when you own stocks?
- Cheap financial advice
- How to meet your monthly savings goal
- How to get medical bills off credit reports
- DUNS number vs. EIN: What’s the difference?
- Nuts
- 6. Tunes, directions and apps
- Confusing notices leave many disqualified people in limbo
- New job out of school
- Higher savings contribution limits
- Card readers and apps
- Current Citi Dividend bonus categories
- Episode transcript
- How is discretionary income calculated?
- 3. Use mutual funds for the base of your portfolio
- Personal loans from credit unions
- Cheap cell phone plans from brands owned by the big three
- Be careful when signing up for free trials
- 3. Property tax deduction
- Do I have to pay state tax on lottery winnings?
- Who’s covered under Florida PIP insurance?
- Referral bonus annual limits
- How does a Roth IRA work?
- But I don't have enough to max out an IRA!
- How to claim the child tax credit
- REITs' average return
- How does a life insurance trust work?
- I bonds calculator
- Mishandled luggage
- Try a simple budgeting plan
- 4. Monitor bank transactions online
- Find a prime — and safe — location
- 7. Request a payroll advance
- What to expect the stock market to return
- Comparing stocks and bonds
- How much does it cost to buy Vanguard index fund shares?
- What are the credit score ranges?
- What interest rate can I expect with federal student loans?
- How to unfreeze your credit
- Input new refinanced car loan information
- 7 types of identity theft and the warning signs
- FDIC insurance: What’s covered
- Additional costs of trademarking a business name
- 5. It offers travel and purchase protections
- Ally Bank vs. Synchrony Bank: Basic savings accounts
- Where to exchange currency outside the U.S.
- Who issues high-yield bonds?
- Savings account simple interest vs. compound interest
- Closing costs calculator
- What to know if you take online surveys
- Mishandled luggage
- Cheap car insurance after an accident by company
- 7. Visit the farmers market
- Chase Sapphire Preferred® Card
- Is per-card or overall utilization more important?
- Serve American Express Prepaid Debit Account
- Guardian life insurance rates
- What are your options?
- 4. Save raises and windfalls
- Age is only the beginning
- 4. A bad online reputation
- Travel and entertainment perks
- What are the benefits of early direct deposit?
- What is Frontier stretch seating?
- Use the travel credit
- Things to consider about the account
- Where to find your AGI on your 1040
- The Federal Trade Commission’s budget worksheet
- Buy: Spring apparel
- How to set up an IRA
- How much are Capital One miles worth?
- 3. Don’t ask for too much cash
- Blue Cash Preferred® Card from American Express
- Earned income tax credit 2024
- You don’t need VIP travel perks
- Make the most of a long layover
- When to choose the Chase Sapphire Preferred® Card
- When to invest vs. save
- States with no sales tax
- What fine print should I look out for?
- How the foreign tax credit (FTC) works
- Goodbudget, for hands-on envelope budgeting
- How to complete your Global Entry renewal
- 1. High-yield savings accounts
- 4. Find the right car for you
- 7. Massaging and heated seats
- What’s next?
- The Hartford/AARP home insurance coverage
- Vacation rental cleaning fees
- Hire a listing agent
- Can you use AmEx points for Fine Hotels and Resorts stays?
- How it works
- 5. Take clear pictures of the check with your mobile device
- Don't forget to check the limits to savings withdrawals
- How do Hilton points compare to other hotel programs?
- 4. Credit card points are separate from MySheetz Rewardz
- CASH BACK CREDIT CARDS
- 4. Peer-to-peer lending
- Why you might want the Delta SkyMiles® Reserve American Express Card
- How to get a hardship loan
- Glossary of overdraft terms
- Average car insurance rates after a speeding ticket in California
- 4. Get digital
- Namecheap: Best for drag-and-drop website building
- Information to include in your dispute letter
- Average monthly expenses that increased year over year
- Know what your car is worth
- How to know if Global Entry is right for you
- About home equity lines of credit
- Sweet v. Cardona administrative forbearance
- Refinancing for better interest rates on student loans
- If you want a credit card for gym memberships, fitness clubs, etc.
- What's next?
- Leverage the welcome bonus to earn a Companion Pass
- Leave a detailed letter
- 6. Use your affiliations
- Is PMI tax-deductible?
- How much does a Gold’s Gym day pass cost?
- 4. Prepare now for tax time
- How to get a home equity loan
- What is Massachusetts' standard deduction?
- Who pays the closing costs?
- Contact Nelnet customer service if you have questions about your Great Lakes loans
- Discounted gift cards
- Health savings accounts
- Point-of-sale hardware
- 3. Pay off your balance
- During the walk-through
- How does Spotify fit into your budget?
- What is the current unemployment rate?
- 8. Go thrift shopping
- Pros and cons of an interest-only mortgage
- Qualifying for a Single Family Housing Direct Home Loan
- How do you set up a lady bird deed?
- Disadvantages of paying off your car loan early
- The life insurance underwriting process
- An alternative to chasing the best stocks
- When to estimate closing costs
- Upgrade Triple Cash Rewards Visa®
- Treasury bond and note calculator
- Gifts
- Airline loyalty programs
- How to access IRS Direct File
- 5. Know the bank’s timeline
- How much do index funds cost?
- Best car insurance in Florida for having few customer complaints: Auto-Owners
- How to find another company's EIN
- 8. Take a loan from your retirement account
- 6 types of dividends
- 3. Think 'SMART'
- When should I receive my 1099?
- How fast does an authorized user build credit?
- Can you deduct sales tax?
- When to sign up for Social Security
- Should you buy growth stocks?
- 7 ways to expedite your passport application
- How to start a virtual assistant business in 6 steps
- How much interest will I earn on $10,000?
- How do you qualify for the federal solar tax credit?
- April
- What is a good business credit score?
- How to maintain or regain Medicaid coverage
- Self-employment
- How to contact your servicer
- What's next?
- How to check your tax withholding
- Frugal DIY project tips
- 4. Use grants if you qualify
- Should I just use cash instead?
- Guardian Life insurance customer complaints and satisfaction
- 5. Have a backup plan
- Your card has a hold placed on it
- 5. Earn some extra money
- Credit cards young adults could apply for
- How to open a joint account
- 4. Deduction for repairs
- How does a HELOC work?
- Are there any issues with early direct deposit?
- Spirit Airlines change fees
- How to accept a referral for an AmEx card
- Bathrooms
- Types of REITs
- Prepare to abandon ship
- What does Blue Cross Blue Shield Medicare Advantage cost?
- Bonus: ‘Star Wars’ Day
- Compare Cards
- Ongoing health policies
- Do I have to pay California state tax?
- Who is this card right for?
- What if I lose the cashier's check?
- How to apply for private student loans
- How to open a brokerage account
- Mixed-status families still face FAFSA glitches
- Don’t count on this student loan forgiveness yet
- Are there fees?
- FDIC insurance: What’s not covered
- How to enroll in a Medicare Advantage plan
- When can you stop paying for PMI?
- Categories from previous years
- Is unemployment rising or falling?
- Media company strikes in 2024
- 9. Go for a walk
- Can you make Fine Hotels and Resorts bookings for others?
- Understanding your results
- Set a timeline
- Set up automatic transfers to boost your savings yields
- Quarterly category cards
- 5. You'll get more value combining MySheetz Rewardz with a general purpose card
- Most popular cash back card reviews
- What does this mean for your financial decisions?
- 5. No physical address or contact information
- Is PIP insurance all you need to drive in Florida?
- How much does Frontier Airlines stretch seating cost?
- Why should I contribute to my IRA?
- How to get overdraft fees waived
- The significance of adjusted gross income
- What does Aetna Medicare Advantage cost?
- Why invest in clean energy ETFs
- 9. Borrow against life insurance
- Other ways to build credit
- Reviewing the results
- National grant programs open to Georgia businesses
- How does Gold’s Gym fit into your budget?
- Over-the-counter medicine
- No guarantees
- Integrations with accounting software
- Flight diversions
- If you're pining for 3% rates — they're not coming back
- Cheap cell phone plans from brands that resell network service
- PayPal cryptocurrency fees
- What does Epcot have?
- Should I take a lump sum payment or annuity payments?
- Master's programs are not all equal
- Redeem points for travel through Chase
- Additional child tax credit
- Card considerations
- InMotion: Best for VPS hosting
- More ways to take charge of your budget
- Average monthly expenses that declined
- Is a robo-advisor right for you?
- Tips for saving on house-painting costs
- How did we determine the value of Capital One miles?
- Direct File eligibility
- Diversifying with index funds
- Membership Rewards cards
- Public Service Loan Forgiveness administrative forbearance
- Get more help with monthly budget planning
- How to qualify for the earned income credit
- Step 3: Choose your lender and loan
- Best homeowners insurance in Florida for having few consumer complaints: Chubb
- Google Pay
- Are there other high-yield options for savings?
- Why is the 10-year Treasury yield important?
- Ally Bank vs. Synchrony Bank: Certificates of deposit
- Where to avoid exchanging currency
- The bottom line
- What's my risk tolerance?
- Additional functionality
- 5. Contact the seller or visit a dealership
- How long do medical bill collections stay on your credit reports?
- Retirement
- Now for the actual saving
- What's next?
- How to invest in dividend stocks
- Discounts
- 10. Take a hike
- 3. EarnIn: Best for large advances
- How do you make a reservation?
- How to store the Bitcoin you buy
- More about Guardian Life insurance
- 6. Don’t panic — your money is safe
- 6. Confirm the check details and complete the deposit
- W-4 form 2024
- How to convert Hilton points to dollars
- Other cash back card reviews
- 5. Online savings accounts
- What can you invest in with a Roth IRA?
- Other hardship loan options
- Consider the new SAVE repayment plan instead
- Embrace: Best pet insurance for many ways to save
- How do bonds work?
- Subprime cards can actually make it harder to improve credit
- Types of life insurance trusts
- 6. Rebounding from bank account fraud
- 4. Consider a co-signer
- 10. Use a credit card cash advance
- How to accept a job offer
- When to use private student loans
- How has the Marriott points value changed over time?
- Get on the A-List
- 5. Monitor your credit
- Are home equity loans a good idea?
- Consider travel insurance
- What’s the deadline for filing Massachusetts state income taxes?
- How to invest in AI stocks
- Deposit timing
- Don't get dripped
- How to calculate the unemployment rate
- Starbucks Workers United and Starbucks are negotiating
- What's next?
- How does credit utilization affect my credit score?
- Your card status has changed
- Personal loans from banks
- 6. Track your progress and keep going
- How to apply with a Refer-A-Friend link
- Choosing a card
- Is Morgan Stanley CashPlus right for you?
- 5. Think creatively
- Step 4: Evaluate and pivot
- What do closing costs include?
- Potential impact of multiple credit cards on your credit scores
- Treasury bills calculator
- Bonus: Free food days
- Get right with your public safety officials
- How comprehensive insurance works
- Types of 1099 forms
- Moving forward
- How to check that all money in your accounts is insured
- No-PMI mortgages
- Skip currency exchange: Use a credit or debit card
- May
- Consider the costs of cashing out your 401(k)
- What is a good DTI ratio?
- 11. Ride a bike
- 5. Get a work-study job
- Do what makes you happy
- ONE VIP Visa Prepaid Card
- 4. Know when to leave it to the pros
- 7. Keep the check until it's processed
- How to send money to others
- Alternatives to a lady bird deed
- 6. Asking for money or gift cards
- How do I get a copy of my actual tax return?
- How to get into the Plumeria Lounge at HNL
- Managing expectations
- How much should I spend each month?
- Buying a call option vs. owning the stock
- 11. Look for a payday alternative loan
- What is California's standard deduction?
- 4. Write them down
- Doing great
- What are fleet cards?
- Who collects sales tax?
- Average certificate of deposit rate: 1.81% for one-year CDs
- 401(k) withdrawals
- LLC payroll taxes
- Tires and gasoline
- If you need to seek coverage elsewhere
- Compare lenders
- Contract periods
- Other performance metrics
- Key benefits of the Fresh Start program
- Withholding tax vs. estimated tax
- Consumer complaints
- What are the tax rules for a Roth IRA?
- Frugal home expenses tips
- The pros
- Search for individual tickets if traveling in a group
- Other ways to forecast college costs
- Holding crypto on PayPal
- When Grubhub+ might be right for you
- HostGator: Best for dedicated server hosting
- When a general travel credit card is a better fit
- Flexible booking policies
- Learn more
- Best car insurance in Florida for ease of use: State Farm
- How to change or cancel an EIN
- Cashier’s check vs. certified check vs. money order
- How to pick a good brokerage account
- How to freeze your child’s credit
- Students and parents: Here’s what you can do
- How did we determine the value of Marriott Bonvoy points?
- 3. Get disability and life insurance
- You may also have to report foreign assets to the IRS
- Start flying — and continue to save money with few fees
- Are 10-year Treasury notes a good investment?
- How to switch Medicare Advantage plans
- Save money on PMI
- 2. Certificates of deposit
- The most popular surveys for cash apps
- How to keep medical bills from hurting your credit
- Taxes for rollover IRAs: 2 rules to know
- What is the labor force participation rate?
- How to find the 2024 W-4
- Credit union personal loan rates
- Joint accounts for teens
- How do I deal with lottery taxes?
- Are Roth IRAs insured?
- When to expect your child tax credit refund
- Cheapest car insurance companies after a speeding ticket in California
- What is your modified adjusted gross income (MAGI)?
- Benefits of a larger down payment
- Quick start guide: How to invest in index funds
- Citi Custom Cash® Card
- 5. Treat yourself
- Is my business required to collect sales tax?
- Brokerage accounts are taxable accounts
- What happens when a bank fails
- Growth stocks vs. dividend stocks
- Ally Bank vs. Synchrony Bank: Banking experience
- 6. Keep your life-after-work goals in mind
- The bottom line
- Debt financing options for small businesses
- What other projects are eligible for the residential clean energy credit?
- What if I missed the Massachusetts state tax deadline?
- How to complain about Great Lakes
- 6. Inspect and test-drive the car, if applicable
- Customer support
- Consumer experience
- Recent strikes
- 12. Sleep in the woods
- 6. Work for an employer that pays for college
- Ways to get the best USDA mortgage rates
- Strategies for keeping your credit utilization low
- 5. Other expenses
- Are there other ways to get tax records?
- How to choose between Travelpro vs. Samsonite luggage
- Which card should you get?
- What about Frontier Airlines first class?
- Transfer points for more value
- No-closing-cost mortgages
- Other performance metrics
- 12. Get a personal loan
- What part of my income gets taxed by California?
- Ready to get started?
- Step 4: Gather loan documents
- Which card is right for you?
- What factors impact your credit scores?
- How do fleet cards work?
- 5 things to know about Arizona state income tax
- The bottom line
- Reasons to borrow from Amazon Lending
- What to know about LendUp
- How do I grow my home's equity?
- How to find AI ETFs
- Keep your next Costco visit cost-effective
- The importance of tax withholding
- Cheap car insurance after an accident by state
- Finalize preparations for tax day, April 15
- There are typos or everyday mistakes
- 6. High-yield checking accounts
- What to do if you’ve been scammed
- Receiving referrals: Compare referral welcome offers
- How the on-ramp could impact student debt cancellation
- What are online planning services?
- Keep your employees engaged
- 5. Use collateral to secure the loan
- How do you buy Vanguard Index fund shares?
- Don’t pay for advance seat selection
- Shopping perks and protections
- Getting flight delay compensation from Frontier
- Full list of the best homeowners insurance in Florida
- PayPal
- Other low-down-payment mortgage options
- Next steps:
- Take risk seriously
- EveryDollar, for simple zero-based budgeting
- Are high-yield bonds a good investment?
- 4 things to know about Massachusetts state tax
- Claiming tax-deductible donations on your tax return
- Maximum and average DTI ratios by mortgage type
- The rankings of reliable airlines
- Next steps
- Park Hopper Plus
- 13. Gaze at the stars
- 4. Varo: Best for existing bank customers
- Things to consider
- Selling crypto on PayPal
- HELOC requirements
- Pros and cons of disputing by mail
- How much should you put down on a house?
- Who counts as a qualifying child for the earned income credit?
- What happens if you don’t collect sales tax?
- How do you buy 10-year Treasury notes?
- You don’t need to have $10,000 to take advantage of compound interest
- June
- Which rate is better for student loan refinancing?
- American Express® Gold Card
- The cons
- Do I have to update my W-4 every year?
- Is a Coverdell ESA right for me?
- Warehouse club cards
- What’s next?
- TRAVEL CREDIT CARDS
- How to pay off a car loan early
- Do you ever need to change your EIN?
- Protection and insurance benefits
- How to get Frontier seat assignments for free
- Roth IRA eligibility rules
- 2024 child tax credit news update
- Citi Custom Cash® Card
- 13. Rent out a room
- How can I get a Global Entry fee credit?
- How can I avoid cashier's check fraud?
- When should you freeze your credit?
- The case for DIY
- Life insurance
- Equity financing options for small businesses
- 3. Bonds
- How do you claim the solar tax credit?
- Other helpful resources
- 14. Listen to music
- Should you act or sit tight?
- Cloudways: Best for cloud-based web hosting
- Full list of the best car insurance in Florida
- Am I a resident for California state tax purposes?
- Reconsideration for PSLF applications
- Ally Bank vs. Synchrony Bank: Overdraft fees
- LLC self-employment taxes
- Closing costs for the buyer
- How to settle a dispute with Great Lakes
- 7. Determine which warranties are right for you
- Best custodial Roth IRAs
- How is the job market right now?
- How to rebook quickly for a canceled flight
- Summary of pros and cons of personal loan lenders
- How to get a loan from a credit union
- Transferring crypto into your PayPal address
- How to get a home equity line of credit
- Calculating capital gains tax on a home sale
- Blue Cross Blue Shield Medicare Advantage plan types
- Additional Aetna benefits
- The most reliable airline of 2023
- How much does Direct File cost?
- How much does comprehensive coverage cost?
- More Florida home insurance companies
- Reporting your foreign bank accounts might be on the to-do list
- Do you pay tax on T-notes?
- Exchange frequently? Consider a multicurrency account
- How to earn more interest in a savings account
- How to qualify for an SBA loan
- The bottom line
- 15. Make some music
- 7. Take out federal loans if you have to
- FamZoo Prepaid Card
- What if I already have hotel elite status?
- Are bonds a good investment?
- Seller-paid closing costs
- 6. Find the right lender
- How to evaluate dividends
- Can I claim the EITC without a child?
- Final steps: What to do after you accept a job offer
- Recap: How to get a cashier's check
- Finding a car you can afford
- Sharing a Prime membership Using Amazon Household
- Brokerage accounts vs. IRA
- Why do I need a business credit score?
- Methodology
- It’s possible to get a lower rate after an accident
- What does the Job Openings and Labor Turnover Summary report show?
- Who benefits from the cash stuffing envelope system
- What to do with the Bitcoin you buy
- How to choose a lender
- How to adjust your Form W-4
- How to switch plans and keep your number
- General-purpose travel card reviews
- Fees to check in and obtain your boarding pass for your Spirit flight
- Choosing between cards? Rewards and perks might make the difference
- Other considerations to determine your down payment
- The bottom line
- 14. Moonlight as a dog sitter
- What are the best Vanguard index funds?
- Cons of a credit freeze
- Average money market account rate: 0.66%
- Next Steps
- Where Amazon Lending falls short
- Disability insurance
- Does the solar tax credit work with other incentives?
- July
- Could we be in an AI bubble?
- 16. Make something
- What if you lose your EIN?
- Deciding to visit Epcot vs. Hollywood Studios
- Getting to the Plumeria Lounge inside HNL
- More small-business data from NerdWallet
- Which type of life insurance should I put in a trust?
- Summary: Buying a second home
- What’s the difference between IRS Free File and IRS Direct File?
- Be creative with your costumes
- Why you can trust NerdWallet
- Selling a call option
- Step 5: Submit your application and get funded
- What are the disadvantages of sole proprietorship?
- Venmo
- Small-business valuation methods
- Ally is hard to beat
- LLC sales taxes
- Charitable contributions 2023
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- Other home insurance companies to consider
- 5. Dave: Best for repayment flexibility
- Transferring crypto from your PayPal wallet
- How much can you borrow with a HELOC?
- Aetna Medicare Advantage plan types
- Know your options
- 15. Become a rideshare or delivery driver
- Capital One Venture Rewards Credit Card
- So, is Global Entry worth it?
- How to claim the earned income tax credit
- Factors that don’t affect your credit scores
- Fleet fuel cards: benefits and drawbacks
- Other ways to sell clothes online
- The best place to exchange currency at the end of your trip
- Is an SBA loan right for me?
- How do I get my business credit score?
- 8. Negotiate the best price
- Can you contribute to a rollover IRA?
- What are the best dividend stocks?
- 17. Learn a new skill
- Credit union vs. online lender
- The bottom line
- Max out the food delivery perks
- What’s a spousal Roth IRA?
- How to choose the best web hosting for your small business
- Where to mail your dispute letter
- Co-branded travel cards
- More about the card
- Resources for Georgia-based businesses
- Costs to maintain your trademark
- Are AmEx Fine Hotels and Resorts benefits worth it?
- Your readiness to buy a home
- Sending crypto to another PayPal user
- Other HNL lounges to consider
- Available BCBS Part D prescription drug plans
- Methodology
- 16. Cut your insurance premiums
- Advantages and disadvantages of comprehensive insurance
- Is Amazon Prime worth it?
- Credit freeze or credit lock?
- Empower Personal Dashboard, for tracking wealth and spending
- How to find cheap car insurance after an accident
- 18. Exercise
- Last-minute flight deals are out there
- The problem with 'cents off per gallon'
- Fees to select a seat ahead of time
- Will you owe capital gains taxes on your home sale?
- Consequences of a child tax credit error
- Methodology
- How to improve your credit
- FDIC insurance limits and ownership categories
- Currency exchange: Frequently asked questions
- August
- 8. Borrow private loans as a last resort
- More about the card
- Avoid other redemption options
- Figo: Best pet insurance for cats
- The subprime credit card market is inching toward pre-recession levels
- When it comes to marketing: Google is your friend
- LLC tax forms and deadlines
- 19. Have a potluck
- Bank of America® Travel Rewards credit card
- Greenlight Prepaid Mastercard
- Another way to save on interest without paying off your car loan
- Is the Plumeria Lounge Honolulu worth it?
- If you’re debating Royal Caribbean vs. Disney Cruise Line
- 4 key things to know about bonds
- Chase Freedom Unlimited®
- Consequences of an EIC-related error
- How to sell clothes online
- Who can access your frozen credit reports?
- How much does homeowners insurance cost in Florida?
- Walmart2Walmart
- Will you need to do an interview for Global Entry renewal?
- 9. Maximize trade-in value, if applicable
- What is the quit rate?
- 6. MoneyLion: Best for existing customers
- Airline credit card reviews
- PayPal cryptocurrency alerts
- Is paying for seats worth it on Frontier Airlines?
- How to avoid capital gains tax on home sales
- Roth IRA vs. traditional IRA: What's the difference?
- Pros of investing in REIT stocks
- 17. Consolidate your debt
- The difference between interest rate and APY
- Costs to hire a trademark lawyer
- DTI isn't a full measure of affordability
- 20. Do something productive
- Capitalize on other travel perks
- State child tax credits
- Aetna third-party ratings
- Fuel card vs. business gas credit card
- 11 ways to prevent identity theft
- Amazon Lending alternatives
- Global Entry 24-month grace period
- After deciding
- Compare insurance rates by driver history
- Should you invest in AI stocks?
- Do insurance rates go up after a no-fault accident?
- Make the most of your credit cards during spring travel
- Next steps
- Does PayPal offer tax forms?
- Is getting a HELOC a good idea?
- The bottom line
- How can I check and monitor my credit?
- September
- Fees for in-flight refreshments
- Cons of investing in REIT stocks
- 18. Refinance your student loans
- Are dividends taxed?
- Job offer acceptance email example
- How to get Global Entry fees reimbursed
- 10. Make the purchase
- 21. Host a yard sale
- Team it with a different card
- What is the $500 credit for other dependents (ODC)?
- Third-party ratings
- U.S. Bank Cash+® Visa Signature® Card
- Can I still get a past year's earned income tax credit?
- One-time IDR account adjustment for PSLF borrowers
- Average cost of homeowners insurance in Florida by city
- How to lower trademarking costs
- LLC tax tips for business owners
- Park Hopper vs. Park Hopper Plus recapped
- Are wages increasing?
- Gas credit card savings calculator
- What protections does PayPal offer?
- Methodology
- The bottom line
- 19. Change your cell phone plan
- California state tax credits
- Next steps
- What is credit card consolidation?
- Examples of FDIC insurance limits and coverage
- If your DTI is high
- 22. Engage with your community
- 7. SoLo Funds: Best for peer-to-peer cash advances
- Hotel credit card reviews
- In-cabin pet fee
- How to open a Roth IRA in 4 steps
- Child tax credit vs. child and dependent care credit
- Investing in REITs: How to get started
- Why call options can make sense
- Western Union
- 4. Money market funds
- Walmart MoneyCard
- W-4 calculator
- What's next?
- Avoid risky loans
- Why is homeowners insurance so expensive in Florida?
- How the FDIC calculates national rates
- Types of FHA loans
- PocketGuard, for a simplified budgeting snapshot
- FHA vs. conventional loans: Summary
- Pros and cons of starting a virtual assistant business
- October
- Can I keep my car insurance rate from going up after a crash?
- How taxes on real estate, rental, and investment sales work
- Does your business need a fleet fuel card?
- How does credit card consolidation work?
- The bottom line
- Priority boarding and security access
- If you need to do a Global Entry renewal
- Potential strikes ahead
- Is stock picking right for you?
- Is it better to get a home equity loan or line of credit?
- U.S. Bank Visa® Platinum Card
- What else to know about Form W-4
- The myWalgreens Mastercard
- How to prepare now for a potential accident in a rental car
- Reconsideration for rejected PSLF applications
- Tips to managing the grant application process
- Alternative car insurance for high-risk drivers
- What does the Employment Cost Index Show?
- 8. Klover: Best for no-fee advances
- Credit cards for other travel brands
- Unaccompanied minor fees
- Is there an over-55 home sale exemption?
- Aetna Medicare Advantage service area
- Business cards
- Should you buy stocks or bonds?
- What are tax deductions?
- 5. Mutual funds
- November
- OK, what's next?
- Frequently asked questions
- Is consolidating credit card debt a good idea?
- Striking worker totals increased by 141% in 2023
- What to do if you can’t keep up with your HELOC payments
- How to redeem rewards on the Chase Sapphire Reserve®
- More resources
- Bank of America® Premium Rewards® credit card
- Final thoughts on the best flight booking site
- What to know about Florida homeowners insurance
- Zelle:
- Chase Sapphire Reserve vs. AmEx Platinum: Minor features to consider
- Best stocks for beginners
- Bundle packages
- Can I still use my credit card after debt consolidation?
- How long does it take to have the dispute resolved?
- First-time home buyer programs near Virginia
- 6. Index funds
- Will unemployment rise?
- Low-fee alternatives to prepaid cards
- MetLife: Best pet insurance for dogs
- Classes of service
- Don't qualify for PSLF? You have other options for relief
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A payment processor enables a business to accept credit card, debit card and ACH payments from their customers. Payment processing companies offer a system that manages these transactions from the initial verification of card details to approval and transfer of funds.
» MORE: NerdWallet’s best POS systems
Whether card transactions are smoothly handled in seconds or become pain points for both you and your customer can depend on the payment processor you use. There is no perfect payment processor. The right one for your business depends on your unique needs, priorities and budget. Reviewing the following key factors can help you evaluate and select a payment processor.
FEATURED
Transaction types
The first factor to consider is transaction type. Transaction type refers to the way the payment information enters the payment system and can include in-person, online, keyed, invoiced and mobile-entry transactions. Look at the different ways you take payment information and then confirm that the payment processor can accommodate your needs.
For example, if your business takes phone orders that require credit card details to be manually entered or keyed, then only consider payment processors that offer that feature. If you want to be able to take payments away from your storefront, then a mobile payments option is needed.
NerdWallet rating NerdWallet's ratings are determined by our editorial team. The scoring formula incorporates coverage options, customer experience, customizability, cost and more. 5.0 /5 | NerdWallet rating NerdWallet's ratings are determined by our editorial team. The scoring formula incorporates coverage options, customer experience, customizability, cost and more. 5.0 /5 | NerdWallet rating NerdWallet's ratings are determined by our editorial team. The scoring formula incorporates coverage options, customer experience, customizability, cost and more. 5.0 /5 |
Payment processing fees 0.40% + 8¢ plus interchange, in-person; 0.50% + 25¢ plus interchange, online. | Payment processing fees 2.6% + 10¢ in-person; 2.9% + 30¢ online. | Payment processing fees 2.7% + 5¢ in-person; 2.9% + 30¢ online. |
Monthly fee $0 | Monthly fee $0 Starts at $0/month for unlimited devices and locations. | Monthly fee $0 |
Pricing transparency
Pricing transparency is important because it makes it easier to compare products and services. When price details are available on a company’s website, you can identify products that fall within your budget and have the features you value. That’s a timesaver.
Pricing transparency can also be a sign that a company is confident its fees are competitive. However, bear in mind that there are certain situations when pricing may be complex and difficult to provide on a website, such as the processing costs for high-risk merchants.
Overall cost
Look at the overall cost of a processing service. This includes transaction fees, monthly fees, chargeback fees and less-obvious costs such as membership fees, setup costs, PCI compliance fees and cancellation fees. The total monthly cost, not a single fee, needs to be considered when comparing services.
At first glance, the cost per transaction offered by a company using an interchange-plus pricing model is typically less than the cost per transaction of a company using a flat-rate pricing model. However, monthly fees and volume minimums may be associated with an interchange-plus pricing model, which adds to the overall cost for the service.
Card readers and apps
If you plan to take in-person payments, a card reader and associated app are required. Ideally, the card reader should be able to accept magnetic stripe cards, EMV chip cards and contactless payments. Some payment processors, such as Square, provide a free magnetic stripe card reader and have a product that uses just your iPhone for tap-to-pay transactions. Other providers may charge you for an EMV chip and contactless reader. Any fees associated with the card reader and app add to the overall cost of the service.
In most cases, you want a reader that is compatible with both iOS and Android mobile devices. In addition, an app with the option to manually enter card information can give you the ability to accept payments on the go and without a reader.
Point-of-sale hardware
While many payment processors offer both payment processing and POS systems, they are not the same thing. POS systems can facilitate card transactions, but they can also record cash payments, manage inventory, generate sales reports, integrate with accounting software and much more.
If you want both payment processing and POS options, confirm that the payment processor offers both. Factor in any fees associated with POS hardware to the overall cost of the service. If you want to keep an existing POS system, confirm that it is compatible with the processor’s system. Some processors may help you integrate systems, while others may want you to purchase new hardware from them.
Integrations with accounting software
The ability to export transaction data to accounting software is important, regardless of whether you use a card reader and app or a complete POS system. Having the ability to import or even sync sales data to QuickBooks, Xero or other accounting software will improve accuracy and save you from having to manually enter the data.
Deposit timing
The time it takes to receive the funds from a card transaction should be short. The next day is optimal. And an option for same-day deposits can be important for some businesses. If there’s a fee for same-day deposits and you plan to use this option, remember to estimate the added cost per month. Also, some payment processors may want you to use a specific account for payment deposits. Ask if you can use a bank account of your choice, if that’s your preference.
Contract periods
Ideally, it’s best not to get tied into a long-term contract in case you don’t like the service or something else changes. Some payment providers don’t require a contract and allow you to operate month-to-month. While a company may say you can cancel at any time, you’ll also want to confirm that there are no cancellation or termination fees associated with closing your account.
Customer support
Live 24/7 support is the best option, but may not be a priority for every business. However, if you have extended business hours, key-in payments from across the country, or take mobile payments at weekend events, an issue with the processing of a payment can result in the loss of a sale and the revenue that goes with it.
Product | Payment processing fees | Monthly fee | Learn more |
---|---|---|---|
Helcim NerdWallet Rating Learn more on Helcim's website | 0.40% + 8¢ plus interchange, in-person; 0.50% + 25¢ plus interchange, online. | $0 | Learn more on Helcim's website |
Square NerdWallet Rating Learn more on Square's website | 2.6% + 10¢ in-person; 2.9% + 30¢ online. | $0 Starts at $0/month for unlimited devices and locations. | Learn more on Square's website |
Stripe Payments NerdWallet Rating Learn more on Stripe's website | 2.7% + 5¢ in-person; 2.9% + 30¢ online. | $0 | Learn more on Stripe's website |
Shopify POS NerdWallet Rating Learn more on Shopify's website | 2.70% in-person; 2.9% + 30¢ online (Basic plan). | $39 and up for e-commerce plans with POS Lite; Can upgrade to POS Pro for an extra $89. | Learn more on Shopify's website |