admin If you’ve tapped out your traditional retirement account options, like stocks and bonds in your IRA and 401k, an annuity might be the next best thing. Annuities are insurance products, typically offered by life insurance companies. Under an annuity contract, the insurance company agrees to pay you regularly, with many contracts providing lifetime income. At … Read more
Nobody wants to have to work through their golden years. That’s why you regularly contribute to your IRA, 401(k), and any other tax-advantaged retirement accounts you’re eligible for. Unfortunately, all retirement accounts have contribution limits. If you’ve maxed out your eligible contributions, consider a deferred annuity. It’s a great option when you have extra cash … Read more
Annuities are insurance products, but they’re more like what you would get if you mixed a life insurance policy with a long-term investment like an IRA or 401k. Annuities are investments because the end result is guaranteed income payments later in life, usually after retirement. For many people, an annuity is the foundation of a … Read more
About 94% of adult Americans take advantage of some sort of traditional banking service. Those include financial services like checking and savings accounts. As technological advancements continue, the way we do several things (including banking) is beginning to change. Today, you don’t have to work with a traditional financial institution for your banking needs. There … Read more
Are you crypto-curious? Open to owning cryptocurrency assets and maybe even using them as actual currency but not ready to put your life savings into the project? People like you have it easier than ever. Personally, I’m a crypto skeptic, and as someone who analyzes credit and debit cards for a living, the idea of … Read more
When you shop online, you run a risk of exposing your credit card number to hackers. Fortunately, your credit card protects you from having to pay for false charges if this happens, but it’s still a big hassle. It can take many calls and letters to your credit card issuer to sort it out. One … Read more
I have two cash-back credit cards for everyday purchases, two credit cards for travel purchases, a credit card for grocery store purchases, a credit card for Amazon purchases, and a handful of backup credit cards I don’t use regularly. None of them are the Bread Cashback American Express Credit Card. Bread Cashback isn’t a terrible … Read more
Throughout the COVID-19 pandemic, the U.S. has experienced shortages of many goods, from used cars to toilet paper. One of the most surprising things to run low: quarters. There were many factors behind this coin shortage. For one, many retail businesses — the main places where coins circulate — temporarily shut down or reduced their … Read more
The 20 largest banks in the United States include some names you’ve probably heard before, like Bank of America and Wells Fargo. The list also includes banks that aren’t as well-known across the country, like Truist, TD Bank, and State Street. The ranks change every year as upstart banks with better online banking features and … Read more
Call it a cliche, but credit really is the lifeblood of most small businesses. All the talk of bootstrapping and expense-slashing can’t hide the fact that your company’s fortunes depend on reliable access to capital now — and not three months or even three weeks from now. Divvy is one of many business credit providers … Read more