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If you have been looking for financial advice, then you’ve probably come across the name Dave Ramsey and his 7 Baby Steps in your research. Over the years, Dave has quickly become one of the most popular financial “gurus” in the space and has offered helpful advice to thousands of people. But there are plenty […]
The Dave Ramsey 7 Baby Steps: Pros & Cons of His Method Read More »
Dear Penny, I’m a 34-year-old man who just started saving for retirement last year after getting married. My husband is 39 and has been saving for some time. My question is about Social Security. Should someone in our age group expect to receive it at all? I’m always hearing about how Social Security is going
Dear Penny: Will Social Security Be Broke by the Time I Retire? Read More »
If you have home and auto insurance, you may save money by bundling your policies. Most companies offer bundles that can save you an average of 10-25% on each policy. That’s nothing to sneeze at since AAA estimates that the average cost of car insurance is about $1,202 annually, and some people pay much more
Here’s How to Bundle and Save on Your Insurance Read More »
Pandemic-related layoffs and income loss have driven many people to community food pantries for the first time in their lives. According to Feeding America, about four out of every 10 people who visited a food bank from March through June of last year were first-time visitors. As the winter holidays approached, more than 80% of
Here’s How to Turn Food Pantry Staples into Delicious Meals Read More »
Protection against loss is critical for everything you do, including running your own business or earning money from a side hustle. The primary tool for mitigating business risks, such as those described by Your Money Geek, is property and casualty insurance. There are many insurance policies within the property and casualty insurance realm, each with its
Property and Casualty Insurance – Your Complete Guide Read More »
Homeowners insurance may seem like an extra expense added to your mortgage each month, but you’re stuck with it since lenders make it a requirement. And with the average cost at $1,211, or about $100 a month, you may think everything in your home is covered. Unfortunately, this isn’t true. There is a range of
Here’s What Homeowners Insurance Doesn’t Cover Read More »
It’s a new year, which is the perfect time to take stock of your personal finances and begin planning your money moves for the 12 months to come. Some of these maneuvers are “one and done,” while others should take place every year. Read on for a list of the top money moves to make
16 Smart Money Moves to Make Right Now for 2021 Read More »
For products in its class, the Chase Freedom® Student credit card gets good marks, thanks in part to its credit-building features and solid incentives. The card’s underwriting is friendly to those with thin or nonexistent credit files, and it can be an ideal and rewarding tool for students looking to build their credit scores. Here are…
5 Things to Know About the Chase Freedom Student Credit Card Read More »
Some of the links in this post are from our sponsors. We provide you with accurate, reliable information. Learn more about how we make money and select our advertising partners. It’s no secret that investing is one of the best ways to grow wealth. We’re talking about real wealth — not the measly returns you’d
Here’s Why Your Excuses for Not Investing Don’t Hold Up Read More »
If you are in the market to sell your home, a good real estate agent is an invaluable asset. Agents help their clients navigate the market and find potential buyers, and in return for their time and expertise, they charge commission fees. But what exactly is covered in agent commission fees? And what can homeowners expect
The Simple Guide to Real Estate Commission Read More »
It’s official. DACA recipients who legally work in the U.S. can now apply for mortgages backed by the FHA. The Department of Housing and Urban Development put an end to years of confusion and controversy surrounding Dreamers’ eligibility for FHA-backed mortgages. Making Wednesday is the first day since the formation of the DACA program that
DACA Recipients Can Now Apply for FHA Mortgages Read More »
Paying taxes with a credit card isn’t always ideal, but it does make sense for certain taxpayers, especially those who’ve recently signed up for new cards with long 0% APR introductory promotions or generous sign-up bonuses. Read on for suggestions of the best credit cards to use to pay your taxes. Best Credit Cards to
Best Credit Cards to Use to Pay Your Taxes in 2021 Read More »
At tax time, it’s often hard to predict how much you’ll owe or receive in a tax refund without actually doing your taxes. But there are some telltale red flags that can mean an unwelcome tax surprise is headed your way, tax pros say. Here’s how to spot the signs — and how to keep…
4 Signs You’re About to Get a Tax Surprise Read More »
If you have federally held student loans, you’re getting a break on making payments — again. On his first day in office, President Joe Biden signed an executive order directing the Education Department to extend its freeze on interest rates and payments for federally held student loans through Sept. 30, 2021. Here’s what you need
Student Loan Administrative Forbearance Extends Until October Read More »
If you are under the age of 16 and reading this, you might wonder how you can make money as a kid. It’s a common thought among those not legally old enough to work a traditional paying gig. And according to the US Department of Labor, the minimum age of employment is 14 years old (for
30 Ways to Make Money As a Kid This Year (Ages 8 and Up) Read More »
All’s fair in love and credit? Not quite. For borrowers with fair credit — FICO Scores of 580 to 699 and VantageScores of 601 to 660 — finding a personal loan is often challenging. Many mainstream lenders prioritize borrowers with good or excellent credit, making it difficult (if not impossible) for fair-credit borrowers to find
Best Personal Loans for Fair Credit Read More »
You’ve likely come across the term “unicorn” when digging into new investment opportunities. Unicorn companies present rare opportunities that often drive investors to dive in. But is that really a good idea? What are unicorn companies and should you invest in them? Find out here. What Is a Unicorn Tech Startup Company – Status Meaning
What Is a Unicorn Tech Startup Company – Status Meaning & Examples Read More »
The Capital One Spark Miles for Business offers unlimited miles on purchases, plus some potentially valuable travel benefits. Even so, it does come with an annual fee of $0 intro for the first year, then $95. This card could be a good option for business travel if your goal is to keep things simple when…
How to Maximize the Capital One Spark Miles for Business Read More »
Some of the links in this post are from our sponsors. We provide you with accurate, reliable information. Learn more about how we make money and select our advertising partners. We’re big on investing. It’s an important way to grow your money and set yourself up for retirement someday. But is it dangerous to be
Here are Safer Alternatives if You’re Too Obsessed with the Stock Market Read More »
Delivering personal finance solutions and advice since 2006, The Simple Dollar is back with our annual awards for 2021. Here are our top picks for the most affordable and cost-effective service options for the new year. Best Cell Phone Plan: Republic Wireless Learn more Republic Wireless is backed by Sprint and T-Mobile, giving it 99%
The Best Cost-Effective Services of 2021 Read More »