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Instead of putting all your savings into one CD, split it across multiple CDs with staggered maturity dates, say 3, 6, 12, and 24 months. When each one matures, you can reinvest or access the cash. You get higher rates than a savings account without leaving all your money tied up at once.
Many, or all, of the products featured on this page are from our advertising partners who may compensate us when you take certain actions on our website or click to take an action on their website. However, this does not…
The average American spends nearly $1,300 – $1,400 per year on their cellphone plan. If you look at your own plan, chances are it’s a noticeable portion of your monthly bills. Your cellphone charges are probably higher or at least…
Looking for a more reliable way to reduce your cell phone bill? It could be time for you to switch wireless carriers. Fortunately, cheap cell phone plans abound. Prepaid plans generally cost less than monthly plans, especially if your usage…
If you already have a Chase checking account and a kid between 6 and 12, open a Chase First Banking account. It costs nothing, gives your child a debit card you fully control, and turns allowance and chores into automatic money lessons in the Chase app.
If you’re running a small or growing business, your banking app should do more than hold your money. Lili’s mid-tier plans bundle checking, invoicing, bookkeeping, and tax prep in one place, so you can skip the separate software subscriptions and manage your finances without switching between apps.
Most business bank accounts charge a monthly fee, pay nothing on your balance, and offer little beyond the basics. Grasshopper Bank is built differently. It’s a federally chartered digital bank that pays interest on checking, offers 1% cash back on…
A donor-advised fund lets you contribute cash or appreciated investments, claim the full tax deduction immediately, and decide which charities to support later, all while the money grows tax-free. If you donate regularly and hold appreciated investments, you’re likely leaving real tax savings on the table. Fidelity, Schwab, and Vanguard all offer DAFs with no minimums to open.
Before buying or keeping a second car, add up what it actually costs you each month: payment, insurance, gas, maintenance, parking, and registration. For many families where one driver only needs wheels occasionally and rideshare is reliable, it can cover the same trips for significantly less. Run the numbers. The second car may not be earning its spot.
Bank signup bonuses are taxable income; you’ll owe taxes on every dollar at your marginal rate. Credit card welcome bonuses are not. The IRS treats card rewards as purchase rebates, not income. A $300 bank bonus in the 24% bracket is worth $228. Calculate the after-tax value before chasing any offer.
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