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- Table of contents
- Compare Medigap plans
- SBA Community Advantage loan program update:
- 4.6
- FIND NON-PPP LOANS
- How to maximize your rewards
- Am I on track financially?
- Chase Sapphire lounge locations in the U.S.
- Key takeaways about P2P payments
- Still deciding on the right carrier? Compare Medicare Advantage plans
- Fidelity CD rates
- Simplifying tax time with accounting software
- Key takeaways
- Student loan payment calculator
- Fixed or adjustable rate?
- 1. Pick an investment account
- 1. Abuelo’s
- Vet the applicant
- Earn the sign-up bonus
- Create a Cash App account
- 1. Start saving early
- Come to terms with risk
- If your employer offers health insurance
- 1. Zipz Wine: $2.5 million for 10% stake
- 1. Capital One Venture X Rewards Credit Card
- 1. Google Flights
- Children under 2 years old
- How to use this calculator
- Domestic travel with an adult
- 1. Frontier will notify you of flight changes
- 1. You can book Emirates first class with points and miles
- 1. A generous sign-up bonus
- 1. Make up for lost time
- Earn ANA miles by flying
- Southwest Airlines
- 1. Create educational content or activities
- 2. Auntie Anne’s
- Discuss responsible credit card use
- Charge your big expenses
- How does my credit score impact personal loan offers?
- Go to the 'Buy Bitcoin' screen
- 1. Buy REITs (real estate investment trusts)
- To invest in stocks you couldn’t otherwise afford
- 1. Ibotta
- If your employer doesn’t offer health insurance
- 1. Pick up freelance work online
- What are the new Radisson Rewards programs?
- 1. Figure out if you are eligible
- Investment-based passive income ideas
- UPS
- Bitcoin pros
- Pros
- 1. Accounting and bookkeeping
- Understanding your results
- Earning Southwest Rapid Rewards points through Southwest travel partners
- Pre-installation evaluation: $250 for a 2,000 square foot home
- 1. Cryptocurrency exchanges
- 1. Sign up for rental car loyalty programs
- Step 1: Write a business plan
- 1. Food trucks
- 1. Decide how much coverage you need
- 2. Consider index funds
- 2. Ten Thirty One Productions: $2 million for 20% stake
- Our pick for: Fans of the brand
- How the American Opportunity Tax Credit works
- Delta eCredit rules and expirations
- 2. Offer virtual team-building
- 3. Baskin-Robbins
- Eligibility
- How do I see my credit score for free?
- Add purchase details and finalize
- 2. Decide how much home you can afford
- No annual fee and cash-back rewards
- 1. Keep your charges on each card to a minimum
- 1. Gather your stock research materials
- Standard with ads: $6.99 per month
- What to know about cash advance apps
- Step 1: Enter your personal information
- 2. Bonus earnings on travel, dining, select streaming services and online grocery purchases
- Example savings APYs at select institutions
- Opt for a less expensive car
- IHG One Rewards Traveler Credit Card
- Home energy audits
- Life insurance and the COVID-19 vaccine
- Make sure you can afford the risk
- 2. U.S. Bank Altitude™ Reserve Visa Infinite® Card
- Cons
- Credit limits, and how you use them, matter
- Pros
- Key findings
- How being an authorized user can help you build credit
- Use your results to save money
- 1. Decide how you want to invest in the stock market
- 1. Donate to a qualifying organization
- 2. It’ll try to book you on the next available flight
- How much does HelloFresh cost for two people?
- 3. Rugged Events: $1.75 million for 25% stake
- American Airlines
- 3. Start a meal-prep business
- 4. Benihana
- Why it’s the best
- 1. Dividend stocks
- 2. Business consulting
- To build a diversified portfolio
- Chase Sapphire lounge locations in Asia
- Child tax credit 2023 (taxes filed in 2024)
- Know how much risk you’re comfortable with
- 1. Choose a rollover IRA account type
- Robo-advisors
- Tuesdays and Wednesdays are the cheapest days to fly domestically
- Ductwork and design: $500 to $7,500
- 2. Traditional stockbrokers
- 2. Stay with stocks
- Monthly after-tax income
- Maximize your trade-in
- Residential energy property
- Our pick for: Intro APR
- Big three prepaid plans
- 1. Consider your vending machine options
- Where to find your eCredits
- Keep an eye on the account balance
- Bitcoin cons
- Give employees cards
- 3. Check and polish your credit
- Cons
- For upgraded bookings and group travel
- Children 2 years and older
- Standard: $15.49 per month
- Jackson Hewitt
- Income taxes for single-member LLCs
- Comparing health insurance plans: HMO vs. PPO vs. EPO vs. POS
- Grants.gov
- 2. Different Emirates planes offer different first class experiences
- 2. Decide what type of investor you are
- Step 2: Account for multiple jobs
- 1. The home wasn’t your principal residence
- 2. Car wash services
- Typical timing for pending transactions by issuer
- Picking up your rental car
- 4. Hy-Conn: $1.25 million for 100% stake
- Winner: Cabo
- Who can claim the American Opportunity Tax Credit?
- 4. Create a food waste solution
- 5. Bojangles
- FedEx
- Who gets relief under the Sweet v. Cardona settlement?
- The Platinum Card® from American Express
- 2. Use an online real estate investing platform
- Misconceptions about the costs of raising a baby
- Hot wallet
- 1. Know when to start retirement planning
- 1. Get your business basics in order
- Other student loan calculators
- Building coverage
- Domestic travel as an unaccompanied minor
- Invesco Solar ETF (TAN)
- Short-term capital gains tax
- Ongoing rewards
- 2. Get rental car elite status through credit cards or airline/hotel elite status
- 1. Decide how much help you want
- 50% of your income: needs
- 3. Stay invested with the "Buy and hold" strategy
- H&R Block
- Find a co-signer
- Energy-efficient doors, windows, and insulation
- Pros
- All elite members
- Take advantage of protections
- With credit, older is better
- 3. Marketing services
- Pro: No monthly payment or interest
- 2. Ask for higher credit limits
- How being an authorized user could hurt your credit
- 2. Rakuten
- Decide on your 401(k) investments
- Transferring hotel points to Southwest Rapid Rewards
- Unlimited movie and TV streaming
- How much does HelloFresh cost for four people?
- Changes and cancellations
- 3. Bitcoin ATMs
- Step 2: Grow your network
- How much does a surgical abortion cost?
- 5. Red Dress Boutique: $1.2 million for 20% stake
- Types of residency statuses in Arizona
- 5. Capitalize on plant-based foods
- 6. Chick-fil-A
- Will pre-qualifying affect my credit score?
- To get the most out of your investment
- Boarding priority
- Premium: $22.99 per month
- Look for a summary of benefits
- Long-term capital gains tax
- National Endowment for the Arts
- 2. Test websites and apps
- 3. You might be able to request a refund
- Other benefits
- Saturday and Monday flights can help you avoid the Sunday rush
- 3. 10% point bonus each year
- 3. Drill down on diversification
- EveryDollar
- Delay your purchase
- Fidelity life insurance riders
- Medical expense deduction
- Cons
- Ask listing agents these questions
- 1. Equipment: $10,000 to $125,000
- 3. Chase Sapphire Reserve®
- Warren Buffett
- Pros
- 4. Real estate business
- Amica: Best for customer satisfaction
- 2. Kayak
- For flights booked in a travel portal
- A Chase lounge in Texas (sort of)
- H&R Block
- Income taxes for multi-member LLCs
- iShares Global Clean Energy ETF (ICLN)
- Online financial planning services
- Unlimited reading
- Why is Radisson Rewards splitting into 2 programs?
- The type of central air unit: $600 to $24,000
- 4. Bitcoin exchange-traded funds
- Step 3: Claim dependents, including children
- 2. You owned the home for fewer than two years
- 3. Auto repair
- 2. Choose your insurance deductible
- 6. How Do You Roll?: $1 million for 20% stake
- Compare car insurance rates for 20-year-olds
- Southwest Airlines credit cards
- Crypto.com DeFi Wallet: 4.8 out of 5 stars
- 6. Start a dropshipping business
- 7. Chili’s
- 2. Dividend index funds and exchange-traded funds
- What do I need to pre-qualify for a personal loan?
- 3. Think about investing in rental properties
- 4. Explore mortgage options
- Compare money market accounts
- The summary method
- Families traveling with children
- 2. Figure out how much money you need to retire
- 2. Narrow your focus
- When the statement balance and current balance are the same
- For beginners: Fidelity
- Contents coverage
- Weigh your family’s medical needs
- Fidelity: 4.98%
- What does Spirit consider a personal item vs. carry-on vs. checked bag?
- 2. Choose an account that works toward your goals
- 30% of your income: wants
- TurboTax
- Use a credit card
- Index examples
- Resident status rules
- Where Guarda shines
- Why it’s the best
- U.S. Postal Service
- Con: You have to pay all at once
- Want to compare the best of the best?
- Invesco WilderHill Clean Energy ETF (PBW)
- 2. Choose a rollover IRA provider
- 2. Document your charitable contributions
- Unlimited music streaming
- Does basic economy get a carry-on on United?
- 3. Choose how much you want to invest
- Step 4: Refine your withholdings
- 3. You didn’t live in the house for at least two years in the five-year period before you sold it
- 3. Check in online before arriving
- Step 3: Choose a business entity
- How much does an abortion pill cost?
- 4. A 25% boost when redeeming for travel via Chase
- Credit Karma
- 7. Breathometer: $1 million for 30% stake
- Earn ANA miles by spending on credit cards
- Our pick for: Speedy rewards
- What the American Opportunity Credit is worth
- Property tax deduction
- If you got your car back, would you be able to afford insurance, maintenance and gas?
- Why it’s the best:
- 8. Cinnabon
- Fidelity Investments
- High annual fees or poor customer service
- 5. Event planning
- Increasing and decreasing your death benefit
- 1. Look at the company’s price-to-earnings ratio and market cap
- 2. Choose an investment account
- Consider whether you want a referral system of care
- Economic Development Administration
- Vanguard: 5.28%
- Wednesdays and Thursdays are the cheapest day to fly internationally
- 5. Peer-to-peer money transfer apps
- 3. Evaluate other factors
- 4. Check out dividend-paying stocks
- 7. Curate subscription boxes
- Platinum elite, Titanium elite and Ambassador elite
- Travel with your points
- U.S. Bank Altitude™ Reserve Visa Infinite® Card
- A preapproval process that won’t ding your credit score
- Planning for baby
- Pro: It’s easier to qualify
- 3. Set up balance alerts to stay on top of spending
- When the statement balance and current balance are different
- 2. Pick a product to import or export
- 3. Learn to use AI tools
- Whole Foods deals
- How does this change affect Radisson brands?
- Step 5: Sign and date your W-4
- 4. Rent at an off-airport location
- 5. A $50 hotel credit
- 20% of your income: savings and debt
- If your employer offers a 401(k) match
- If you opt for Kyte’s self-pickup service, you can save
- 8. BeatBox Beverages: $1 million for 33% stake
- Part-year resident status rules
- Is the American Opportunity Tax Credit refundable?
- Do you have access to affordable public transportation or a carpool?
- 9. Cold Stone Creamery
- 2. Incorporation fees: Under $300
- Cons
- You've graduated to a permanent card
- 6. Video production
- Proof of age
- What fees do Chase checking accounts have?
- Park hop
- Fidelity is best for:
- Fidelity at a glance
- 3. Swagbucks
- Intuit TurboTax
- Choosing corporate tax status for your LLC
- Minimize expense ratios
- International travel with an adult
- 4. If your re-booked flight is at least three hours later, you’ll receive a meal voucher
- Webull: 5%
- 6. Wallet software
- 1. Cash dividends
- Step 4: Obtain an EIN, insurance, permits, and licenses
- 3. Choose your investments based on your risk tolerance
- 4. Personal trainers
- Goodbudget
- Earn ANA miles by transferring AmEx points
- Do tipped workers earn the minimum wage?
- Our pick for: Rich travel rewards
- But wait, there’s more
- Guarda: 4.6 out of 5 stars
- Where Guarda falls short
- 4. The Hilton Honors American Express Business Card
- How long will it take to pre-qualify?
- 3. Prioritize your financial goals
- 1. Open an investment account
- Grant databases
- Traditional human financial advisors
- Free games
- Size of the AC system
- 4. Select a provider to open your Roth IRA
- 4. You already claimed the home sale capital gains exclusion
- 6. Combine points from multiple cards
- 4. Consider taking an asset allocation shortcut
- Example interest checking APYs at select institutions
- 9. First Defense Nasal Screens: $750,000 for 30% stake
- Personal loan calculator
- Winner: Cancun
- Mortgage interest deduction
- Do you plan to declare bankruptcy?
- 1. Via your SkyMiles account
- Michael Novogratz
- Pros
- Divorce or separation from a spouse
- 7. Podcasting
- The detail method
- International travel
- Con: You’ll likely pay much more than you get
- Does Chase have a free checking account?
- 2. Target undervalued sectors
- Flood insurance coverage beyond the NFIP
- 3. Move the money
- Dun & Bradstreet business credit scores
- Interactive Brokers*: 3.83% or 4.83%, above $10,000
- Seller concessions
- 2. Stock dividends
- 8. Create an airport-centric app
- 10. Del Taco
- 3. Bonds and bond index funds
- Premiums
- 4. Pay your bill before your issuer reports to the credit bureaus
- 3. Don’t miss out on tax deductions for volunteering
- 1. Find a dividend-paying stock
- Installation and labor: $75 to $250 per hour
- 5. You bought the house through a like-kind exchange
- H&R Block
- Compare small-business loans
- Why it’s the best
- 3. Office space: $100 to $1,000 per employee per month
- Cons
- How to get a liquor license in Alabama
- 5. Research first-time home buyer assistance programs
- 3. Expedia
- Financial planning beyond infancy: College and life insurance
- 2. Choose your investments
- What about an HDHP with a health savings account?
- Foreign tax credit carryover and carryback
- Can you transfer Southwest points to airline partners?
- Prime Day and Prime Early Access
- 5. Verify whether you’re protected by your credit card
- 5. Use a peer-to-peer car rental service
- 3. Dividend reinvestment programs (DRIPs)
- Step 5: Find suppliers and contractors
- 7. Transfer points to airline and hotel partners
- IHG One Rewards Premier Credit Card
- Our pick for: Rewards on rent payments
- Nonresident status rules
- Charitable contribution deduction
- Exodus: 4.5 out of 5 stars
- Guarda is best for:
- 9. Become a destination wedding planner
- 11. Denny’s
- Employer requirements
- 4. Consider flipping investment properties
- 8. IT consulting
- Nursing mothers
- 4. Choose the best retirement plan for you
- What is the Chase checking account minimum balance requirement?
- Should you refinance your student loans?
- Robinhood*: 1.5% or 4.9%
- 6. You're subject to expatriate tax
- 5. Newborn and post-pregnancy services
- Price
- 4. Consider extra coverage
- 1. 'I’ll wait until the stock market is safe to invest.'
- How the Lifetime Learning Credit works
- 5. Marriott Bonvoy Brilliant® American Express® Card
- Copays, coinsurance and deductibles
- Citi Prestige® Card
- Call and ask for better terms
- Among investment apps: Acorns
- 3. Do your research
- 4. Fiverr
- International travel as an unaccompanied minor
- Walmart Foundation
- 4. Keep the deadline in mind
- What will happen to my existing Radisson points balance?
- Equifax business credit scores
- 1. Find out if you're eligible.
- 3. Emirates offers chauffeur service
- Hot wallet
- 4. Special dividends
- Rideshare insurance costs by company
- Earn ANA points by transferring Marriott points
- Winner: Cabo for luxury, Cancun for variety
- Revocable life insurance trusts
- 10. Make local guides
- 12. Edible Arrangements
- 4. Inventory: 17% to 25% of your total budget
- How to get a liquor license in Alaska
- 9. Catering
- Andover Companies: Best coverage
- 3. Turn to qualitative stock research
- What is the Chase direct deposit requirement for checking accounts?
- Refresh the reservation page
- Know when to outsource
- 4. Take surveys for money
- Free unlimited photo storage with Amazon Photos
- 2. Evaluate the stock
- Conventional loans
- Book one to three months in advance
- Seasonal Energy Efficiency Ratio (SEER) Rating
- How to avoid Spirit Airlines change fees
- Step 6: Assemble a team
- 8. Worldwide acceptance
- 5. Use a Roth
- TurboTax
- Guarda at a glance
- Why it’s the best:
- 4. Real estate investment trusts (REITs)
- More about investment fees
- 6. Compare mortgage rates and fees
- Money regrets
- Federal protections are minimal in the U.S.
- 5. Monitor your total credit utilization
- Some water damage
- Emergency Rental Assistance Program
- 5. Preferred dividends
- Your money management style
- 5. Get a quote
- 2. 'I’ll buy back in next week when it’s lower.'
- Other ways to earn ANA miles
- But wait, there’s more
- Who can claim the Lifetime Learning Credit?
- The lender or repo agency can repossess the car but not the items inside
- 2. Book as normal and pay with eCredits
- Trust Wallet: 4.4 out of 5 stars
- 13. Firehouse Subs
- Build your score and then switch cards
- 10. Social media management
- 3. Source your suppliers
- Why does the network matter?
- If you live in the U.S.
- Amazon Elements
- How does this affect my Radisson credit card rewards?
- 5. Gather your paperwork
- 6. Enrichment activities for children
- Use a discount real estate broker
- 1. Have a goal for your index funds
- Our pick for: Bank of America® customers
- 2. Find the right location for your vending machine
- American Airlines credit cards
- 11. Create a local grocery delivery service
- Why it’s the best
- How to get a liquor license in Arizona
- 4. Capital One Travel
- Pregnant travelers
- 4. Explore emerging industries
- If you are investing in an S&P 500 index fund:
- Damage to certain items and parts of your home
- Nonprofit organizations
- 1. How long you have to rollover a 401(k): The 60-day rule
- Bank of America Charitable Foundation
- Experian business credit scores
- 3. Decide how much stock you want to buy
- What's next?
- Cold wallet
- 6. Dividend funds
- Bonus features
- Compare auto insurance rates for 35-year-olds
- Your property shouldn’t be damaged in the process
- Full details about Guarda's ratings
- Irrevocable life insurance trusts (ILITs)
- 14. IHop
- 5. Marketing: Below 10% of your total budget (even 0%)
- 6. The Platinum Card® from American Express
- Opt for smaller packaging when possible
- Try different ways to avoid overspending
- Schedule 1: Additional income and adjustments to income
- Priority Pass lounges
- Acorns is best for:
- How to maximize your rewards
- Acorns at a glance
- 3. Learn the difference between investing in stocks and funds
- Do you have preferred doctors?
- If you live outside the U.S.
- Amazon Family
- 2. Decide what type of investor you are.
- You can use credit card benefits to travel in basic economy
- Set a price alert
- 4. Dining on your flight is on demand
- 1. Examine your cooling needs
- 9. Coverage if your trip is canceled or delayed
- Sell your home yourself
- 3. 'I’m bored of this stock, so I’m selling.'
- If your employer doesn’t offer a 401(k) match
- 12. Start a virtual event planning company
- What do I need for my loan application?
- Chase Sapphire Reserve®
- 5. Rent out a room
- 11. Business planning service
- Custodial wallet
- Diaper bags
- If you are investing in an S&P 500 ETF:
- Negotiating with your utility company
- General partners
- 2. Taxes are withheld
- 4. Determine the best asset allocation for you
- Account linking
- 2. Research index funds
- Coinbase Wallet: 4.3 out of 5 stars
- 15. Melting Pot
- Shop around for the best rate
- 7. Gather your loan paperwork
- Switch your site
- 5. Upwork
- Most of your basement
- Is a large network important?
- 1. Think long term versus short term
- 5. Make money from your blog with affiliate links
- How is the Radisson Rewards award chart changing?
- Deposit insurance
- Government-backed loans
- Rebook if you find a cheaper price
- 2. Time it right
- 10. Baggage delay insurance
- 7. Mobile apps and entertainment for children
- Work with an iBuyer
- Example CD APYs at select institutions
- 5. Money market funds
- How to get a liquor license in Arkansas
- 12. Tax consulting
- Car seats
- Schedule 2: Additional taxes
- 4. Price your product
- If you are investing in a stock within the S&P 500 index:
- Appraisal fee
- 6. Pick your investments
- 2023 long-term capital gains tax rates and brackets
- Our pick for: Opt-in text redemptions
- 13. Sell zero-waste products
- 16. Moe’s Southwest Grill
- 6. Website: Around $40 per month
- 5. Select your retirement investments
- For crypto: Crypto.com
- 2. Look into tax-loss harvesting
- 3. Look for equipment rebates and tax credits
- Resident status rules
- Dividend per share (DPS)
- 11. Rental car coverage
- Security
- Kyte’s young-renter fee
- Domestic flights on ANA
- Is the Lifetime Learning Credit refundable?
- Choose standard shipping
- 4. Put your stock research into context
- Top 20 performers in the S&P 500 index
- Living expenses if you can’t stay at home
- Rapid Rewards Shopping
- Carnegie Corporation
- 3. Choose how much you want to invest.
- Perks await when you fly economy with elite status
- Discount points
- 5. You get complimentary spa treatments in the Emirates First Class Lounge in Dubai
- 8. Shared accessories and attire
- 14. Make products for pets
- 17. P.F. Chang’s
- 7. The Business Platinum Card® from American Express
- How to get a liquor license in California
- 8. Get a preapproval letter
- Chubb: Best for high-value homes
- Book a resort
- Schedule 3: Additional credits and payments
- Is a brokerage account a good place to earn interest?
- Be flexible with destination, airport and dates
- How to have more taxes taken out of your paycheck
- Dividend yield
- Step 7: Obtain financing
- 12. Travel assistance
- 3. Pick your index funds
- MetaMask: 4.0 out of 5 stars
- 13. PR agency
- Strollers
- What does P2P mean?
- Vehicles
- Know your health insurance terms
- 3. Hold the shares inside an IRA, a 401(k) or other tax-advantaged account
- 6. Sell your wares on Etsy
- Customer support
- Kyte insurance
- International flights on ANA
- Our pick for: Everyday spending
- Why it’s the best:
- 15. Create custom clothing
- 18. Pinkberry
- Don't throw out your packaging
- How to get a liquor license in Colorado
- 5. Find your customers
- Airport lounge membership
- 4. Select a provider to open your Roth IRA.
- Escrow account funds
- Home equity loan
- 13. Purchase protections
- Example money market account APYs at select institutions
- 7. Office furniture and supplies: 10% of your total budget
- 6. High-yield savings accounts
- Chase Sapphire Preferred® Card
- 5. Kiwi
- What is P2P payment?
- Crypto.com is best for:
- Crypto.com at a glance
- 6. OfferUp
- Rapid Rewards Dining
- Ford Foundation
- How to have less tax taken out of your paycheck
- Part-year resident status rules
- 19. Pizza Hut
- Ask about discounts
- How to get a liquor license in Connecticut
- 14. Professional organizing
- Additional items
- Buy an annual pass
- 4. Set a budget for your stock market investment
- 4. Call in a pro
- 1. Live in the house for at least two years
- 5. Rebalance your investment portfolio as needed
- 14. Customer service without the wait
- User experience
- 16. Sell vintage clothing online
- Home rentals via Onefinestay
- 9. Choose a real estate agent carefully
- Chase premium checking accounts
- Higher premiums, more coverage
- Flood determination and monitoring fees
- Dividend payout ratio
- 9. Shared home improvement equipment
- 4. Decide where to buy your index funds
- Southwest Airlines Rapid Rewards
- Electrum: 2.5 out of 5 stars
- 20. Red Robin
- 8. Utilities: Around $2 per square foot of office space
- How to get a liquor license in Delaware
- 15. Photography
- Coca‑Cola Foundation
- 7. Self-publish an e-book
- 6. There's no overhead space to store luggage
- Home equity line of credit
- How to use a W-4 to owe nothing on a tax return
- 2. See whether you qualify for an exception
- Reviews
- Vanguard 500 Index Fund (VFIAX)
- Partner flights
- 3. Find your vending machine
- 17. Begin niche blogging
- 6. Get the logistics down
- American Express Global Lounge Collection
- Government recording fees
- Nonresident status rules
- Our pick for: A quicker welcome bonus
- 21. Starbucks
- 7. CDs
- Airlines
- How to get a liquor license in Florida
- 10. Narrow down your ideal type of house and neighborhood
- For overall similarity: Webull
- Lower premiums, higher out-of-pocket
- 5. Gather your paperwork.
- Vanguard Total Stock Market Index Fund (VTSAX)
- 9. Payroll: 25% to 50% of your total budget
- AM Best Financial Strength Rating: A+ (Superior)
- 16. Event space
- 7. Poshmark
- Loan-origination charges
- 3. Keep the receipts for your home improvements
- 18. Become an e-book writer
- 22. Wingstop
- Capital One Venture X Rewards Credit Card
- How to get a liquor license in Georgia
- Country Financial: Best for using an agent
- Is my home at risk of flooding?
- Home Depot Foundation Veteran Housing Grants Program
- Cash-out refinance
- 10. Vacation rentals
- Vanguard Total Bond Market Index Fund (VBTLX)
- 5. Buy index funds
- Kyte vs. Turo and Getaround
- Property-based passive income ideas
- J.D. Power Ranking
- Rental cars and train rides
- 17. Interior decorating
- Overall diversification
- 5. Focus on investing for the long-term
- 8. Get advertising revenue from your blog or YouTube channel
- Mortgage insurance or fees for government-backed loans
- Our pick for: Flat-rate travel rewards
- Other details you should know about Guarda
- Why it’s the best:
- 23. Red Lobster
- 6. BookWithMatrix
- Is an import/export business profitable?
- 6. Pick your investments.
- Vanguard Balanced Index Fund (VBIAX)
- Other ways to redeem ANA Mileage Club miles
- Which one should I take?
- 19. Start ghostwriting
- 2020-2022 earned income credit amounts
- How to get a liquor license in Hawaii
- 18. Woodworking or furniture building
- Webull is best for
- Webull at a glance
- Step 8: Source your deal
- 11. Electronics repair
- Compare car insurance rates for drivers with a DUI
- American Airlines
- 10. Professional consultants: Between $1,000 and $5,000 per year
- 8. Buy a rental property
- NCQA Score Range: 2.0 to 4.5 out of 5
- Limitless Experiences
- How do import/export companies make money?
- Clif Family Foundation
- Pest inspection
- Personal loan
- Vanguard Growth Index Fund (VIGAX)
- 6. Keep an eye on your index funds
- 4. Explore your financing options
- 20. Become a resume writer
- How to get a liquor license in Idaho
- 11. Stick to your budget
- Points + Cash award chart changes
- Our pick for: Discounts at checkout
- Ledger: 5.0 out of 5 stars
- Is Guarda right for you?
- 24. American Eagle
- 19. Graphic design
- What is an export license?
- 6. Manage your stock portfolio
- Prepaid expenses
- California earned income tax credit (CalEITC)
- Vanguard Small Cap Index Fund (VSMAX)
- How to get ANA status
- 21. Open a coworking space
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- 1. Has the W-4 form changed?
- 25. Anthropologie
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- How to get a liquor license in Illinois
- 20. Clothing boutique
- What documents do I need to import goods?
- Won’t the government help?
- California young child tax credit (YCTC)
- Vanguard Total International Stock Index Fund (VTIAX)
- How we review crypto wallets
- Other disasters
- Tax monitoring and research fees
- 12. Academics courses
- Trezor: 4 out of 5 stars
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- 12. Make the most of walk-throughs and open houses
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- Kubota Hometown Proud Grant Program
- If you travel only in your home region
- 2. What does it mean to be exempt from taxes?
- California child and dependent care tax credit
- 11. Insurance: Average of $1,200 per year
- Title-related costs
- Our pick for: Customizable bonus categories
- Southwest Airlines
- Why it’s the best:
- 23. Flip failing websites
- 27. DSW
- Alternative investment passive income ideas
- How to get a liquor license in Iowa
- 22. Food truck
- NJM: Best small regional insurer
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- If you travel outside of your region
- California adoption cost tax credit
- 13. Language courses
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- SafePal: 3.8 out of 5 stars
- 24. Become a web developer
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- Amazon Web Services (AWS) Imagine Grant
- California nonrefundable renters tax credit
- Our pick for: Existing cardholders
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- 11. Peer-to-peer lending
- 13. Don’t skip the home inspections
- 23. Restaurant or cafe
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- 3. When should I review my W-4?
- 5. Stock your vending machine with inventory
- 25. Start a podcast
- 29. Journeys
- 12. Taxes: Variable, but 21% corporate tax rate
- How to get a liquor license in Kentucky
- If you have elite status with Radisson Rewards
- Citi® / AAdvantage® Executive World Elite Mastercard®
- 24. Craft brewery
- Roth IRA withdrawal penalty
- Methodology
- 26. Be a social media influencer
- Pros
- 30. Madewell
- How to get a liquor license in Louisiana
- 11. Sell your photography
- If you have an existing reservation
- Real estate agent commissions
- 4. Can I adjust my W-4 multiple times throughout the year?
- 14. Business or marketing courses
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- 12. Private equity
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- Where you live
- 31. Old Navy
- 13. Travel: Variable
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- 25. Ice cream shop
- Property and transfer taxes
- 6. Make the right investments
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- 27. Create online courses
- Your credit history
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- Our pick for: Paying rent
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- Cons
- 32. Target Circle
- How to get a liquor license in Maryland
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- USAA: Best for military and veterans
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- 15. Personal wellness
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- 14. Shipping: Variable
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- The coverage you need
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- 27. Landscape services
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- 34. BareMinerals
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- Your other policies
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- 31. Tap into virtual reality experiences
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- 30. Massage therapist
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- 36. CVS
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- 14. Write content
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- Your dog
- Why it’s the best:
- 37. e.l.f. Cosmetics
- Erie: Most generous coverage
- 33. Develop a chatbot
- How do you add money to a prepaid card?
- Get a business credit card
- How to get a liquor license in Montana
- 31. Nutritionist
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- 38. Lancome
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- 14. List your spare bedroom on Airbnb
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- 34. Offer matchmaking skills
- How to get a liquor license in Nebraska
- 32. Personal trainer or fitness instructor
- Cons
- 39. Sephora
- 35. Be a virtual assistant
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- 40. SmashBox
- 15. Publish a digital course
- 33. Beauty services
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- 19. IT support
- 36. Reinvent exercising
- 41. The Body Shop
- 1. What is the average cost to start a small business?
- 34. Life coach
- Why it’s the best:
- Car-related passive income ideas
- How to get a liquor license in New Jersey
- 37. Create eco-friendly, health-friendly makeup and beauty products
- 42. Ulta
- 2. How do you calculate startup costs?
- Nationwide: Best online experience
- The Audacious Project
- 15. Sell your gently used clothes
- How to get a liquor license in New Mexico
- 20. Graphic design
- 38. Open a food truck or restaurant pop-up
- 16. Wrap your car with ads
- 35. Tutor
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- American Express® Gold Card
- How to get a liquor license in New York
- 39. Start an organization business
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- 36. Daycare provider
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- 17. Rent out a parking space
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- 40. Do interior design for young professionals
- 44. Barnes & Noble
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- 16. Trade in old phones, electronics for cash
- 21. Social media management
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- 37. Senior care provider
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- 38. Interpreter or translator
- Openly: Fewest consumer complaints
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- 1. Review your mission
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- 39. Housecleaning
- 17. Get a babysitting gig
- 22. Marketing copywriter
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- How to get a liquor license in Oregon
- 40. Automotive repair
- 23. Virtual assistant services
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- How to get a liquor license in Pennsylvania
- 41. Handyman services
- 3. Narrow down based on location
- 18. Rent out your car
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- How to get a liquor license in Rhode Island
- How to get a liquor license in South Carolina
- 42. Dry cleaners
- 4. Look for organizations with similar values
- State Farm: Best perks
- 2. Choose the right liability car insurance coverage levels
- How to get a liquor license in South Dakota
- 43. Hardware store
- 1. Do your research
- 5. Consider hiring a grant writer
- 19. Sign up for TaskRabbit
- How to get a liquor license in Tennessee
- 44. Self-storage business
- 2. Get organized and make it official
- Verizon Visa® Card
- 45. Freelance copywriting and content creation
- Should you get minimum or full coverage car insurance?
- How to get a liquor license in Texas
- 46. Rideshare driver
- 20. Become a private tutor
- 3. Find the right financing
- How to get a liquor license in Utah
- 47. Website development and design
- How to get a liquor license in Vermont
- 48. Sell clothes online
- 3. Decide if you need full coverage car insurance
- How to get a liquor license in Virginia
- You’re a first-time home buyer
- 21. Drive for Uber, Lyft
- 49. SEO consultant
- How to get a liquor license in Washington
- 50. App development
- How to get a liquor license in West Virginia
- You live in a high-risk area
- 22. Make deliveries for Amazon, Uber Eats
- How to get a liquor license in Wisconsin
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- You have a dog
- 4. Collect and compare car insurance quotes
- 23. Find work as a housesitter
- You own valuable items
- Trip cancellation
- Trip interruption
- 24. Sign up to be a mystery shopper
- You own an older home
- Trip delay
- Cancel For Any Reason
- 25. Put your drone to work
- Compare car insurance companies
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Your credit utilization is simply the portion of your available credit you use, expressed as a percentage. It is the total of balances on all your credit cards divided by the total of all your credit limits. (It's also figured on a per-card basis.) This number is a big factor in your credit score — the less available credit you use, the better it is for your score.
Here’s how to keep your utilization low.
Why is having a low credit utilization important?
Paying your balances on time and in full every month is the best way to keep your score intact or build it. On the other hand, using a larger portion of your credit limit could do damage. Credit utilization accounts for around 20% to 30% of your credit scores.
But if a financial crisis means you have to lean on credit cards, take heart: Credit scores can rebound quickly once you're able to lower your utilization.
How to lower your credit utilization
1. Keep your charges on each card to a minimum
The simplest way to avoid losing credit score points for using too much of your limits is to watch how much you charge to each card. Make a habit of patrolling your online accounts to keep tabs on spending. If you are close to using 30% of your credit limit on one card, try to make a payment or switch to using another card.
Simply getting into the habit of paying twice per month instead of once could help you decrease your credit usage. Lower balances can save you interest if you carry a balance — and are good for your credit score regardless.
You can also monitor your per-card and overall credit utilization by viewing your credit score profile from NerdWallet.
2. Ask for higher credit limits
If it’s tough for you to avoid utilizing more than 30% of your available credit, another solution might be to request a credit line increase on your card or cards. Getting a credit limit increase might require you to call your card issuer or make the request online. Sometimes increases are offered automatically if you’ve had your card for a while and have a positive payment history, so be on the lookout for those offers when you log in to your account.
Another option to get a higher overall credit limit is to ask a friend or relative to add you as an authorized user on an established account. The primary user doesn't even have to give you a card or tell you the account number for your credit score to benefit. Do choose carefully: Being on the account of someone who is having problems with credit could affect your score, too. You want to be on an account showing good payment history, preferably with a high credit limit and consistently low credit utilization.
A higher overall credit limit could help you keep your credit utilization lower than it would be otherwise. This could make a big difference in your credit score. You can check your own credit to see the effect (and it won't hurt your score).
3. Set up balance alerts to stay on top of spending
If you find yourself consistently overspending, setting up balance alerts can help keep your spending in check.
Sign up with your credit card issuer to receive alerts via text message or email. You can choose to be alerted when the balance reaches a certain amount or percentage of your credit limit. Your goal is to keep the balance below 30%.
4. Pay your bill before your issuer reports to the credit bureaus
Most credit card issuers report your balance and payment activity to the credit bureaus once every 30 days. However, this doesn’t necessarily coincide nicely with when your bill is due. If your issuer reports a few days before the end of your billing cycle, you’ll consistently look like you’re carrying a high balance — even if you pay it off in full just a few days later.
Place a call to your card issuer’s customer service line to find out when it reports to the credit bureaus. Simply pay off as much of your balance as you can in advance of that date every month, and you might see a jump in your score.
5. Monitor your total credit utilization
If you have multiple credit cards, it might be hard to view the bigger picture of your credit utilization. Using the calculator below, input your credit card balances and limits to check whether you're under the recommended 30% utilization threshold.
If you’re creeping up to that limit, do your best to pay down your balances and explore ways to stop spending money.