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5 Ways to Consolidate Credit Card Debt
Lead Writer | Buy now, pay later loans, debt consolidation, personal loans
Lead Assigning Editor | Consumer lending
Many or all of the products featured here are from our partners who compensate us. This influences which products we write about and where and how the product appears on a page. However, this does not influence our evaluations. Our opinions are our own. Here is a list of our partners and here's how we make money.
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Many people struggle with credit card debt at one point or another, and the higher your balances, the harder it can be to pay them off, especially when you consider compounding interest.
Consolidation is a way to move high-interest debt onto a lower-interest product, like a balance transfer credit card or a credit card consolidation loan, which then makes it easier to pay off. But this strategy isn’t for everyone, and you should weigh your consolidation options carefully.
The best choice will depend on how much debt you have, your credit score and other factors explained below.
on SoFi's website
on SoFi's website
Best ways to consolidate credit card debt
Here are five effective and safe ways to pay off your credit card debt:
- How to complete the FAFSA if:
- Shopping for Medicare plans? We have you covered.
- 4.3
- Compare Medigap plans
- LOOKING TO SAVE ON INTEREST?
- Conventional mortgage
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- » This page is out of date
- Get details on Medicare coverage for:
- Key takeaways
- Still deciding on the right carrier? Compare Medigap plans
- What you can do
- Still deciding on the right carrier? Compare Medicare Part D Plans
- How do we review robo-advisors?
- Still deciding on the right carrier? Compare Medicare Advantage plans
- » Editor's note
- Shopping for Medicare Part D plans? We have you covered.
- Compare Medicare Advantage plans
- Chase CD rates
- Potential dangers of credit
- Credit's positive impact
- Downsides to debit
- Where debit shines
- How to maximize your rewards
- Decide where to live
- Compare Medicare Advantage plans
- Still deciding on the right carrier? Compare Medicare Advantage plans
- Simplifying tax time with accounting software
- May: Memorial Day
- Student loan payment calculator
- 65% of a company’s business comes from existing customers
- Best Payment Processors for High-Risk Merchants
- Personal information
- Key takeaways
- More ways to use the home equity line of credit calculator
- 1. Common stock
- Winner for the number of destinations served: Emirates
- 1. Attractive welcome bonus
- 1. Start saving early
- Step 1: Choose a name for your LLC
- 1. Check online community marketplaces
- Winner: Singapore Airlines
- What is 100% credit utilization?
- Tactic 1: Get a credit card with a TSA PreCheck credit
- Learn what you can afford
- Step 1: Assess your skills
- 1. You’re excluded from meetings
- American Airlines
- Banks
- Save on the interest you pay
- 1. Create an inventory
- 1. Earn with ads as a YouTube Partner Program member
- 1. Getting started: The 50/30/20 budget
- How to use this calculator
- 1. Air France
- Amazon
- 1. Seats aren’t assigned
- CD rates
- 1. Invest in your 401(k) and get the matching dollars
- HIGHLIGHTS
- 1. Home-based or easily accessible
- 1. High ongoing rates
- Customers spend 43% more money at brands they’re loyal to
- Start budgeting now
- GA income tax rates: Single filers
- What is a qualified opportunity fund?
- 1. Where to find them
- Winner: British Airways
- 1. Farm Service Agency (FSA) loans
- 1. ThredUP
- Real estate agent commissions
- Credit score
- California speeding ticket fees
- No-fee way to earn American Airlines AAdvantage miles
- 1. Google Flights
- Winner: Turkish Airlines
- If your employer offers health insurance
- TAP Air Portugal carry-on allowance
- 41% of local businesses depend on social media to drive revenue
- Short-term goal examples:
- Alaska Airlines
- Hair and makeup services
- Marriott Fifth Night Free
- Coinsurance
- SBA 7(a) loan
- Alliant Credit Union: Best credit union
- Pros
- 1. Create educational content or activities
- What mortgage terms are best for me?
- Personal American credit cards
- 2. Sample products
- Your bank or credit union
- 1. Professional organizer
- Large list of airline partners
- Short-term payment plan
- 1. Select an online stockbroker
- 1. A 401(k) or other employer retirement plan
- 1. Sign a prenup... for the house
- Term life insurance
- 1. Evaluate your assets and expenses
- American Airlines
- 1. A generous sign-up bonus
- 1. What type of debt do you have?
- Singapore Airlines
- Fraud protection
- USAA
- Are 401(k) contributions tax-deductible?
- How does my credit score impact personal loan offers?
- What does 'domicile' mean?
- What it covers
- Pay more than minimums
- 1. Limited range
- Choose the best mortgage
- Features of Zoho People Free plan
- Highlights
- Other factors to consider
- Winner for route availability: Spirit
- Air Canada Aeroplan
- Refundable flights
- Know your car’s fair market value
- 1. Arrive in the right spot — and at the right time
- 1. Ibotta
- 1. Accounting and bookkeeping
- 1. Pick up freelance work online
- Rentals are large and luxurious
- 1. Figure out if you are eligible
- July: Independence Day
- 2. Preferred stock
- Our pick for: Target loyalists
- 1. Maytag Commercial Laundry
- AtoB
- The real cost of your home
- Investment-based passive income ideas
- 1. Colorado Business Loan Fund
- 2. Annual free night certificate
- 1. E-commerce store
- Bitcoin pros
- Average monthly expenses for one person:
- Understanding your results
- Universal Studios Orlando
- 1. Straight-line depreciation
- ELIGIBILITY
- 2. Flexible hours
- Step 1: Pick an airline with lower seat selection fees
- Average FICO 8 score by age
- Drawbacks
- Key takeaways:
- It costs 5X more to acquire a new customer than it does to retain a returning one
- 1. Baskin-Robbins
- GA income tax rates: Married filing jointly or head of household
- Airport lounge access
- Which areas qualify for QOF investment?
- Bento for Business Visa® Debit Card
- When is the last day to file taxes?
- 1. Decide whether to invest in BNB
- Common investment and brokerage fees
- Small-business loans
- 1. Earn bonus cash back with Apple Pay
- Your taxes
- Transfer the loan to your child
- If your employer doesn’t offer health insurance
- Renewable Energy Systems & Energy Improvement Grants
- Wingstop franchise sales
- Understand the budgeting process
- Step 1: Decide what kind of fitness business you want to operate
- Alaska Airlines
- 1. Keep your charges on each card to a minimum
- Our pick for: Simplicity
- NVIDIA Corp (NVDA)
- Pros
- 1. Chase Ultimate Rewards®
- Copay
- The Emirates economy class experience
- How the American Opportunity Tax Credit works
- 1. Roll your debts onto a balance transfer credit card
- Ally Bank: Best bank and best CDs
- What is a good FICO score?
- Cons
- Overall: Hilton and Hyatt (Score: 4.8/5)
- 1. Bonus offers for new cardholders
- 2. Offer virtual team-building
- 1. World of Hyatt
- 2. Decide how much home you can afford
- Standard with ads: $6.99 per month
- CD terms
- Long-term payment plan
- Smart ways to redeem Membership Rewards points
- ETF pros
- What if I'm trying to remove myself as an authorized user?
- When do you need a passport?
- 2. A sign-up bonus
- When is the last day to file taxes?
- 1. Start with a new or existing retirement account
- Wells Fargo Active Cash® Card
- Premium Individual: $10.99 per month
- Pre-installation evaluation: $250 for a 2,000 square foot home
- Check your credit score and report
- 1. Come up with a name and choose a business entity
- 1. Figure out what type of business you want to buy
- Hyatt points value over time
- 1. Gather your stock research materials
- Best overall business expense tracker
- 2023 saver's credit limits (taxes filed in 2024)
- The recommended tipping range
- Passive vs. active management
- How do I see my credit score for free?
- Hampton by Hilton
- Car insurance costs for a college student in a two-adult household
- NEW: Priority Boarding
- Median down payment on a house (in dollars)
- Credit history
- California car insurance rates after a speeding ticket
- 1. A jet-setting welcome offer
- Manage your home and mortgage
- APR ranges for online lenders
- Plan upgrades
- 1. 401(k) rollover to an IRA
- Eligibility
- How to play Powerball
- How they started
- 74% of consumers rely on social media to guide purchasing decisions
- The loan seems too good to be true
- What to know about cash advance apps
- Monthly after-tax income
- Who needs life insurance?
- 2. You’re left off important emails
- Pet grooming
- Child tax credit 2023 (taxes filed in 2024)
- 1. Child tax credit
- Example savings APYs at select institutions
- VA loans
- Axos Basic Business Checking
- 2. Social media marketing
- 2. Curb your spending: The envelope system, or 'cash stuffing'
- Runner-up: Marriott (Score: 4.4/5)
- Average monthly expenses for a family of 2:
- Use your results to save money
- Universal Studios Hollywood
- Medicare Part B IRMAA
- Chase Freedom Flex℠ and Chase Freedom®
- 1. Pressure-wash surfaces
- Banks
- What you'll get with the Marriott and United status match
- Construction-to-permanent loans
- 3. Low financial investment
- Who decides when a car is totaled?
- Pros
- Mortgage rates remain stubbornly high
- Lowering your customer churn rate by 5% can increase your profitability by 75% or more
- Lemonade: Cheapest pet insurance for dogs
- GA income tax rates: Married filing separately
- Find data usage settings on your iPhone or Android
- Atlas America
- 2. Bonus earnings on travel, dining, select streaming services and online grocery purchases
- Card longevity
- Average cost of car insurance for different driver profiles
- Term life: Cheapest option
- What else should I know about traditional 401(k) contributions?
- 1. A big sign-up bonus
- 183-day rule
- Debt snowball
- Fare flexibility/ticket changes
- 1. IRS Direct Pay
- Types of MagicBands
- Latino: $32.99 per month
- Franchising examples
- Front-end ratio
- Our pick for: A low interest rate
- Invest time to present your car in its best light
- Minimum down payments and credit scores
- 2. Business consulting
- Discounts and freebies on other Disney lodging
- Cons
- Deductible
- 1. Dividend stocks
- Personal information
- Charles Schwab: Best for ATM access
- 1. Decide how you want to invest in the stock market
- Step 1: Enter your personal information
- 3. Start a meal-prep business
- 1. Donate to a qualifying organization
- 3. Enroll in loyalty programs
- 1. Know what you owe and how much you can pay
- A local Coinstar location
- Why it’s the best
- 2. Nanny or babysitter
- 1. The child has to be part of your family
- Our pick for: Varied medical expenses
- 2. Use a robo-advisor
- 2. Research the stocks you want to buy
- 3. A variety of redemption options
- Premium Duo: $14.99 per month
- United Club
- Electric bill
- What happens to the money once it's in the fund?
- Whole life insurance
- 2. Acquire cash on hand
- Our pick for: Minimalists
- 2. How long will it take to pay off your debt?
- 1. Contact the hotel directly
- 2024 saver's credit limits (taxes filed in 2025)
- Income
- More income is sheltered
- Do brick-and-mortar stores need an additional business license to sell online?
- Hilton Garden Inn
- What it excludes
- In 2023
- Welcome offer also includes a $50 statement credit
- Ally Bank Wire Transfer Fees
- Grants
- If you're younger than 59½ and the account is less than 5 years old
- Ready to take the next step?
- Switch repayment plans
- How we found the best cheap auto insurance
- 96% of small businesses use social media in their marketing strategy
- 1. Do chores and odd jobs around the house or neighborhood
- Long-term goal examples:
- Florida condo insurance rates by coverage level
- Traditional 401(k)
- 50% of your income: needs
- Cheap auto insurance from large companies
- 3. You stop getting new assignments
- Delta Air Lines
- Tech help
- Online lenders
- Symbotic Inc. (SYM)
- More perks and rewards toward travel
- 2. Child and dependent care credit
- No minimum balance requirement or monthly maintenance fees
- Upsides
- 2. Colorado Lending Source
- Conventional loans
- LendingClub Tailored Business Checking
- 3. Freelance graphic design
- Bitcoin cons
- Average monthly expenses for a family of 3:
- Target-date funds
- 2. Ongoing rewards
- Our pick for: Rich travel rewards
- 2. Air Canada Aeroplan
- 3. Check and polish your credit
- Standard: $15.49 per month
- EBay
- Look at commissions on the investments you’ll use most
- Amica: Best for customer service
- Booking a car
- NY state income tax: Single and married filing separately
- The Chase Freedom Flex℠ offers rotating 5% bonus categories
- CD safety
- 1. Food tech
- Changes that will impact most students
- Construction-only loans
- 2. A robo-advisor
- First Place
- Submit the FAFSA with the temporary workaround if one or both parents don't have Social Security numbers
- Mortgages and home equity loans
- Average VantageScore 3.0 score by age
- Cons
- Best for
- Robo-advisors
- 54% of customers would stop using a brand if they had a negative review go unaddressed
- 1. Consider your vending machine options
- FIFO
- Ductwork and design: $500 to $7,500
- Automatic status
- Cathay Pacific
- Card upgrades
- Wear casual clothes
- Software prep
- Who gets gratuity, and how much?
- 1. Coinbase Global Inc.
- Travel credits
- For upgraded bookings and group travel
- Car insurance costs for a college student in a one-adult household
- 2. Bonus rewards on travel and dining
- NEW: 2x miles on specific categories
- The value of Hilton points over time
- Fare flexibility/ticket changes
- Taxes and neighborhood fees
- Income
- Debt avalanche
- Budget like a homeowner
- 2. Few charging stations
- Your retirement planning
- Other factors to consider
- Pro: $79.99 per month
- ANA Mileage Club
- Funds based on company size
- Pricing guides
- Nonrefundable flights
- Back-end ratio
- Wingstop franchise growth
- The Platinum Card® from American Express
- Contact your insurance company
- Income taxes for single-member LLCs
- Step 2: Get trained
- Discover Bank, 4.25% APY, no minimum opening deposit
- Alliant: Best for fast funding
- Child tax credit 2024 (taxes filed in 2025)
- 2. Decide what type of investor you are
- September: Labor Day
- Premium
- Lower your debt-to-income ratio
- Grants.gov
- 2. SuperSuds
- Who can claim the American Opportunity Tax Credit?
- Coast
- Chase: Best for sign-up bonuses and best for branch access
- 3. Airline transfers
- Tuesday and Friday flights can help you avoid the rush earlier in the week
- What is a good VantageScore?
- Disney’s Hollywood Studios rides
- Other student loan calculators
- 4. Create a food waste solution
- Lots of availability
- 2. Delta Air Lines
- Step 2: Choose a registered agent in Texas
- 1. Know what you own — and why
- 2. It’s best to check in sooner, rather than later
- 1. SBA microloan
- 1. The minimum investment required
- 1. EB-1 green card for extraordinary people
- Regional retailers
- Petal® 2 "Cash Back, No Fees" Visa® Credit Card
- Price changes
- 2. Choose the right type of title
- Say no to debt
- Effects of COVID-19
- 2. Auntie Anne’s
- U.S. Bank Altitude® Go Visa Signature® Card
- Premium Family: $16.99 per month
- 1. Get your business basics in order
- Think like your customer
- 2. Write a business plan
- More about buying through TrueCar
- SBA microloan: Best for small loans and more lenient requirements
- Where to get a COVID test for international travel
- Whole life: Cash value component
- What is the difference between FICO score and VantageScore?
- When to tip your hotel housekeeper
- Pro: No monthly payment or interest
- Usury laws for banks and online lenders
- 2. Find a place to buy BNB
- Blog articles
- 1. Separate your business and personal finances
- 2. Big travel rewards
- Bank of America Wire Transfer Fees
- Baggage and boarding
- Cost of a MagicBand
- 2023 AMT exclusions and phase-outs
- State mortgage calculators
- 1. Withdraw your CD funds and transfer them into a different account
- SC Housing home loans
- Comparing health insurance plans: HMO vs. PPO vs. EPO vs. POS
- Where to find your Frontier Airlines flight credits
- How to play Mega Millions
- Down payment
- Why do airlines charge them?
- Customers who engage with a business on social media spend up to 40% more with them in the long term
- 2. Babysit, walk dogs and feed pets for pay
- Create a detailed description of your car
- American Airlines
- 4. Your work is reassigned
- 3. Marketing services
- Handyman and other specialty repairs
- 2. Ask for higher credit limits
- Discounts on dining, shopping, tickets and tours
- 3. Large-cap stocks, mid-cap stocks and small-cap stocks
- Upstart Holdings Inc. (UPST)
- 3. American opportunity tax credit
- An above-average interest rate
- SBA CDC/504 loan
- 4.5-star plans
- Get pre-approved financing for new or used cars
- Chase Business Complete Banking
- Step 2: Account for multiple jobs
- Online brokerage account
- If you have a high-deductible health plan with an HSA
- A flat rate on all purchases
- Average monthly expenses for a family of 4:
- Other funds
- 3. Air France/KLM Flying Blue
- 4. Use your library card
- 2. The child has to be under a certain age
- Pros
- Winner: Alaska Airlines
- NY state income tax: Married filing jointly or qualifying widow(er)
- 2. Tidy the porch
- A volatile coin with unlimited supply
- Allstate
- Drawbacks
- Potential drawback
- 88% of consumers share their negative brand experiences
- American Airlines Admirals Club
- Hilton Honors American Express Aspire Card
- Bad-credit auto lenders
- Delta Air Lines
- 2. Search for businesses that are for sale
- Consider all the costs of buying a second home
- 2. Escalate to corporate
- How are 401(k) withdrawals taxed?
- Better bonuses
- Air Canada standard seat selection fee
- 3. 50% more value when redeeming for travel
- 2. SBA loans
- Baggage and boarding
- 2. Poshmark
- Resident status rules
- 2X miles on American Airlines travel purchases
- Automate
- Revenue-based financing
- If you're younger than 59½ and the account is at least 5 years old
- 2. Rewards post immediately
- 2. Roll your old 401(k) over to a new employer
- Elite: $89.99 per month
- Documents to have on hand for Global Entry renewal
- The lender doesn’t disclose the annual percentage rate
- 2. Check in
- How a claim affects Florida condo insurance rates
- 2. Rakuten
- Step 2: Create a business plan
- Frontier Airlines
- Varo, 3.00% APY, no minimum opening deposit
- Hilton Fifth Night Free
- 1. Open an options trading account
- 1. Know if you're a target for catalytic converter theft
- Advantages of a lady bird deed
- Discover® Bank: Best online banking experience
- 4. Freelance writing
- 3. Build up your savings: Pay yourself first
- 5. Capitalize on plant-based foods
- Longer stays
- Premium: $22.99 per month
- Bonanza
- 3. You can cancel a flight at least 10 minutes before departure without penalty
- 2. Units of production depreciation
- Paying with coins
- Acquiring the car
- It’s easy to reach the highest elite status tier
- 2. Web design
- Online lenders
- Unlimited movie and TV streaming
- 3. Open or contribute to an IRA
- Renovation loans
- 4. Airline statement credit
- Step 1. Open the initial CDs
- Trip cancellation protection
- 2. Buy-and-hold investing
- 3. Assemble your documents and back them up
- Breadwinners
- 1. Decide how much coverage you need
- A gentle reminder
- Wear a dark shirt for your passport photo
- SBA 7(a) small loan: May not require collateral
- Armed Forces Insurance
- Cheapest life insurance companies for preferred applicants
- 2. Block Inc.
- Investment goals
- Will pre-qualifying affect my credit score?
- Merchants may pass interchange savings along to shoppers — or not
- NEW: 10% bonus for Bank of America account holders
- Debt-to-income ratio
- Newsletters
- In 2024
- Chase Wire Transfer Fees
- 2. Withdraw your funds and deposit them into a different CD
- Features of HR.my
- Postpone payments
- Changes and cancellations
- Why you can trust NerdWallet
- Avianca Lifemiles
- 1. Days Inn
- Credit score
- 81% of shoppers research online before purchasing
- Farmers Market Promotion Program
- Limitations of USPS Informed Delivery
- Wingstop franchise commitment
- Mid-term goal examples:
- 30% of your income: wants
- Debt-to-income ratios
- Ask for discounts
- 5. You’re getting a cold shoulder from your boss
- Step 3: Write a business plan and select an entity
- 4. Real estate business
- 1. Calculate the car payment you can afford
- Cleaning services
- 2. Test websites and apps
- October-December: Black Friday
- EveryDollar
- 2. U.S. Bank rewards
- Out-of-pocket maximum
- 4. Lifetime learning credit
- Avoid owing more than your car is worth
- Easy online access
- National Endowment for the Arts
- Major platforms don't offer this option
- EITC 2023
- Budget for repairs even before you buy
- 2. Apply for a credit card consolidation loan
- 3. Colorado Enterprise Fund
- 2. Account for your family's needs
- 4. Private islands
- 1. Equipment: $10,000 to $125,000
- Wednesdays and Saturdays are the cheapest day to fly internationally
- Warren Buffett
- Average monthly expenses for a family of 5 or more:
- 1. To give to charity the wise way
- Universal Orlando Resort
- 4. Explore mortgage options
- It’s not what you can borrow, it’s what you can afford
- Look for brokers with a track record of reliability
- 2. Microlenders
- 2. The capital gains taxes you’ll pay
- 5. Take online surveys
- 3. Home or office cleaner
- Cons
- NY state income tax: Head of household
- Pros
- 1. Academic tutor
- 1. Contributions can be withdrawn at any time
- Step 2: Skip seat selection if you have to pay
- Credit card debt
- What is the average credit score overall?
- Amica
- 71% of customers are unlikely to buy from a business that loses their trust
- Figuring out eligible spending
- Be prepared to move
- Average cost
- Premium Student: $5.99 per month
- Hilton Honors American Express Surpass® Card
- Show that you can afford loan payments
- 3. 10% point bonus each year
- 3. Navigate licensing, permits and taxes
- App features
- Airline-specific websites
- Concerns about filing
- What if I didn't get an extension?
- Who gets gifts, and what kind?
- Seller’s permit or vendor’s license
- Cash is king
- For flights booked in a travel portal
- Hampton by Hilton
- Part-year resident status rules
- What it covers
- Seat selection
- 3. Rewards can earn interest
- Cancun
- APR ranges for bank lenders
- 2. Kayak
- 1. Savings accounts
- Resident status rules
- Winner: Qatar Airways
- Look for a summary of benefits
- Premier: $99.99 per month
- Expiration dates
- Welcome offer
- Industry or sector funds
- TAP Air Portugal checked bag allowance
- 3. Sell your stuff in person or online
- Information to have on hand for Global Entry renewal
- Formation
- Cheap car insurance from midsize companies
- Income taxes for multi-member LLCs
- JetBlue
- Bask Bank, 5.10% APY, no minimum opening deposit
- First Tech: Best for co-sign and joint loan options
- Surprise gifts
- 4. Sector stocks
- Travel benefits and protections
- WEX
- 2. Dividend index funds and exchange-traded funds
- Average Student Loan Amounts by Debt Type
- 4-star plans
- Autolist
- VA loans
- Bank of America Business Advantage Fundamentals
- SoFi: Best for checking account overall and best checking account for overdraft fee avoidance
- 4. Make the most of every dollar: The zero-based budget
- Managed brokerage account
- Disney’s Hollywood Studios shows
- Individual stocks and bonds
- 6. Start a dropshipping business
- 4. Virgin Atlantic Flying Club
- 3. The child has to live with you
- CD opening deposit
- Earn 4x on dining and U.S. supermarkets - American Express® Gold Card
- How did Dogecoin get so popular?
- Unlimited reading
- How to qualify for the necessary Marriott and United elite tiers
- The value of your property
- How do you get a visa?
- 5. Transfer partners
- What if I didn't get an extension?
- Online financial planning services
- Effects of climate change
- 3. Papa John’s
- Give focused answers and examples
- Bank of America® Customized Cash Rewards credit card
- The type of central air unit: $600 to $24,000
- Concierge services
- 4. Specify your power of attorney
- It can save money
- Would refinancing save you money?
- Stay-at-home parents or spouses
- Student loan interest rate calculator
- 2. Narrow your focus
- Here are the current offers on Southwest consumer credit cards:
- Dash Prepaid Mastercard
- Best feature-rich business expense tracker
- General SBA loan requirements
- 3. File a chargeback
- Guaranteed issue life insurance: No medical exam
- Required payment is cut in half
- 1. AXA Assistance USA (Silver plan: $70)
- Why are my FICO and VantageScore credit scores different?
- Con: You have to pay all at once
- 3. IBM
- What do I need to pre-qualify for a personal loan?
- Compare insurance rates for 20-year-olds
- Scenario 1: Lump-sum purchase
- 4. Point transfers to airlines and hotels
- Title insurance for the buyer
- Social media posts
- 2. Set your business up for growth
- 3. AmEx Offers
- Wells Fargo Wire Transfer Fees
- Pay down debt
- 3. Limited selection and utility
- Venture debt
- 2024 AMT exclusions and phase-outs
- Other ways to get cash
- 3. Let your bank renew your CD
- Plan upgrades
- 3. Keep your 401(k) with a former employer
- 1. The home must be your principal residence
- Compare money market accounts
- Why it’s the best
- Debt-to-income ratio
- GET MORE MILES, MORE BENEFITS WITH A DELTA CARD
- Be on the lookout
- 60% of consumers begin their product research with a search engine
- Traditional IRA income limits for 2023 and 2024
- Roth IRA income limits for 2023 and 2024
- Raise your deductible
- Average monthly car payment by credit score
- Pros
- Getting the best HELOC rate
- 6. You’re being micromanaged
- Food truck
- 5. Student loan interest deduction
- Our pick for: Simplicity
- Under 35
- Winner for ease of earning and using miles: Singapore KrisFlyer
- Business information
- 1. Get sponsored
- Step 3: Claim dependents, including children
- 5. E-book writing
- Chase Sapphire Reserve®
- Florida 529 plans
- What to do if the credit bureau made an error
- Filling a gap between stays
- 3. American Airlines
- Cities with the top five highest annual rent increases:
- 4. You get two free checked bags
- 3. Online lenders
- 6. Cash in on credit card rewards
- 2. Understand your options
- Why it’s the best
- Discover it® Cash Back and the Discover it® Student Cash Back
- Needs
- All-Access Membership
- Labor costs
- The Chase Freedom Unlimited® offers a solid flat rate on 'everything else'
- 3. Extended reality
- Changes that will impact low-income students
- 3. Clean windows' exteriors
- 3. Target-date mutual funds
- 2. Car washing
- 68% of customer churn is attributed to company indifference
- Specific shares
- Delta SkyClub
- Water bill
- 2. The five ways to get into Alaska Airlines lounges
- 3. Understand why an existing business is up for sale
- Winner: Cathay Pacific
- SBA Express loan: Best for quicker application process
- Where to get a COVID test for travel to the U.S.
- Index examples
- Winner: British Airways
- Home equity loans pros and cons
- Hilton Garden Inn
- 3. Decide how to pay for BNB
- NEW: $100 discount on an Alaska Lounge+ Membership
- Seat selection
- Comprehensive and collision coverage
- Nonresident status rules
- 2X miles on groceries
- If you’re 59½ or older and the account is less than 5 years old
- 1. Choose a stock screener
- Refinance in your name
- Forgivable down payment assistance
- Weigh your family’s medical needs
- Other considerations
- Annual fee
- Delta Air Lines SkyMiles
- Growth and value funds
- Online retailers
- 2. Super 8
- Corporate support for opening
- Want to compare the best of the best?
- Roth 401(k)
- 20% of your income: savings and debt
- British Airways Avios
- Southwest Airlines
- 5. Event planning
- Access to DVC member lounges
- 3. Choose how much you want to invest
- Credit unions
- Credit Karma
- Own your car sooner
- 3. The Eco Laundry Company
- What the American Opportunity Credit is worth
- Downsides
- 1. Look at the company’s price-to-earnings ratio and market cap
- Disadvantages of a lady bird deed
- Conventional loans
- 3. Establish your directives
- UFB Direct: Best savings account
- 5. Fifth night free
- Where Trust Wallet shines
- Elevated rewards in common everyday categories
- Fidelity Investments
- Annuities
- 2. Trust in diversification
- 2. Document your charitable contributions
- Country Financial: Best for using an agent
- CD maturity date
- Unlimited music streaming
- 4. Buy commission-free ETFs
- Replacement value vs. actual cash value
- Next Home
- Submit a paper FAFSA
- Car loan
- Chubb
- Step 2. Reinvest each CD when it matures
- Count on Social Security
- Figo: Cheapest pet insurance for cats
- Card network opposition
- 3. Active investing
- Only certain types of transfers are allowed
- Old card: Starwood Preferred Guest® Credit Card from American Express Becomes: Marriott Bonvoy™ American Express® Card
- Marriott Bonvoy Business® American Express® Card
- Use Amazon’s tools
- Estimate how much refinancing could save you
- Cheapest full coverage car insurance in Florida for 20-year-olds
- 4. A 25% boost when redeeming for travel via Chase
- Parents or grandparents with dependents
- General obligation bond
- 3. Which product can you qualify for?
- Avoid strapless tops or tank tops
- Google Flights
- What if you withdraw from your 401(k) early?
- Pro: It’s easier to qualify
- 4. Microstrategy Inc.
- Credit cards for eligible high school students
- Lounge perks
- More visits for Delta SkyMiles Reserve credit cardholders
- Premium
- What it excludes
- 0% balance transfer credit card
- Earnings rates (towards status)
- Cozumel
- Your interest rate
- For flights booked with cash
- Does basic economy get a carry-on on United?
- Book a trip
- Licensing examples
- Cash reserves
- 75% of local-intent mobile searches result in in-person store visits within 24 hours
- 4. Sell lemonade in the summer or hot cocoa in the winter
- DTI ratio examples
- Sell your car to an individual or private party
- The opportunity cost
- Operations and management
- Chase Sapphire Reserve®
- Change your coverage
- Cons
- 7. You’ve reached a dead end
- Coffee, smoothie, or other specialty cart
- 3. Set up balance alerts to stay on top of spending
- Your dollars could become more valuable
- 6. Adoption credit
- Economic Development Administration
- Transaction fees apply
- SBA microloans
- 4. Community Banks of Colorado
- Cover your net worth
- 2. Choose an investment account
- Step 4: Refine your withholdings
- Fly on the holidays (or as far from it as possible)
- Disney's Hollywood Studios food
- Start with a budget
- 2. As an early step toward passing down wealth
- 7. Curate subscription boxes
- New listing with few reviews
- 5. Southwest Airlines Rapid Rewards
- Step 3: Obtain Texas business permits
- 1. Multiply your income by 10
- Pay attention to account minimums
- Medicare Part D IRMAA in 2024
- 2. EB-2 green card with a national interest waiver
- Earn by flying
- 7. Download an app for freebies
- 4. Tutor
- 4. The child can't provide more than half of their own financial support
- Peloton app memberships
- Cost of paint and materials
- Applying for an IRS payment plan online
- Why improved credit isn't always a good reason to remove an authorized user
- 3. Decide how many shares to buy
- Owner-builder loan
- 3. Child care
- What about gap insurance?
- 6. Special access to live entertainment
- How age can influence scores
- 92% of loyal customers ranked price and value for the top reason why they stay loyal to brands
- Effects of reinsurance
- 2. Pick a product to import or export
- Contributions are tax-free
- Average annual life insurance rates for women
- Decide how you'll finance your second home
- Singapore Airlines credit cards
- SBA business acquisition loan requirements
- Deductions
- How to leave tips for housekeeping
- Usury laws for payday lenders
- Earning rates
- Videos
- If you're 59½ or older and the account is at least 5 years old
- Other ways to build credit
- 4. See if you qualify without impacting your credit
- 4. Cash out your 401(k)
- 2. Certificates of deposit
- Winner for reliability: Spirit
- Consider whether you want a referral system of care
- Value-Added Producer Grant
- How to enroll in USPS Informed Delivery
- Training and education
- It’s surprisingly easy to get approved
- 3. Go through the security checkpoint
- Best insurance company overall: Travelers
- Mortgage insurance
- Spirit Airlines
- 6. Video production
- PenFed: Best for a seamless application process
- 3. Learn to use AI tools
- November: Veterans Day
- 5. Domestic and international stocks
- Is the American Opportunity Tax Credit refundable?
- Vio Bank: Best money market account
- 2. Incorporation fees: Under $300
- 2. Take a cut with affiliate marketing
- 6. Translation
- Figure out where you are and what you value
- Student loans
- You want to avoid wasting time in line, as much as possible
- What fees do Chase checking accounts have?
- Is rental car coverage primary or secondary?
- Hire an advisor
- Our pick for: Intro APR + high rewards on everyday spending
- Cities with the top five annual rent price declines or smallest increases:
- Craigslist, Facebook Marketplace, Nextdoor, OfferUp
- 5. Snacks and nonalcoholic beverages are free
- 3. The cost of owning them
- CD penalty
- Whole Foods deals
- ETF cons
- When do you need a visa?
- Drawbacks
- Best for
- 4. Taco Bell
- Highlight your past experience and accomplishments
- Blue Cash Everyday® Card from American Express
- Resident status rules
- Smaller annual fee
- 5. Connect to members of your community, old and new
- JetBlue Airways
- 5. A $50 hotel credit
- Revenue bond
- Here are the current offers on Southwest business credit cards:
- Opt for modest jewelry
- Permanent life insurance: Other options
- 1. Credit identity theft
- 5. Core Scientific Inc.
- If your employer offers a 401(k) match
- 1. States with no income tax
- Uninsured and underinsured motorist coverage
- Your current mortgage payoff
- 3. Legitimize your operations
- 25% savings on in-flight food and beverage purchases
- Choosing more than one trademark class
- Personal loans
- 2. Electronic funds withdrawal (EFW)
- 4. Too expensive
- Los Cabos
- Features of free Homebase Basic plan
- Part-year resident status rules
- 2. You must have owned the home for at least two years
- Travel bonus reward rates
- The percentage method
- International, global and emerging market funds
- 3. Motel 6
- Documentation
- 92% of business owners believe that having a website is the most effective digital marketing strategy
- Our pick for: Gas station spending
- More about the best Florida condo insurance companies
- 3. Swagbucks
- Allow up to 50% of your income for needs
- LifeLock pros
- Choosing corporate tax status for your LLC
- Do tipped workers earn the minimum wage?
- Step 4: Get necessary permits and insurance
- Traveling bar
- Members-only events and trips
- Insurance rates by car model
- If your tax rate is low now and you expect it to be higher in retirement
- IHG Fourth Night Free
- Goodbudget
- 3. Pentagon Federal Credit Union (PenFed) Rewards
- 7. Earned income tax credit
- Owing a prepayment penalty
- EITC 2024
- Other fuel cards to consider
- Reasons for unfreezing your credit
- 6. Special money-saving offers
- Step 5: Sign and date your W-4
- Medicare Part A
- Cash back in customized spending categories
- Florida in-state tuition
- What to do if the debt collector made an error
- Winner: Hyatt (Score: 5/5)
- Offer to help clean up
- 6. JetBlue TrueBlue
- 4. Personal business loans
- Mortgage protection insurance vs. term life insurance
- 5. The child can’t file a joint tax return with someone
- Wants
- Cons
- 4. Robotics
- How this calculator works
- 4. Repaint the front door
- Credit unions
- 4. Pet sitting or dog walker
- 2. More time means more growth
- Cincinnati Insurance
- Home supply is still limited
- 69% of consumers say choice of retailer is influenced by where they can earn customer loyalty/rewards program points
- Trip interruption coverage
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- There is a pro-rata rule for backdoor Roths
- Gas bill
- Account growth is tax-free
- Average annual life insurance rates for men
- Reduce the amount you need to borrow
- 4. Create a budget
- Adult children
- Dispose of the expired card
- Online lenders
- Forgiveness comes sooner
- Sales tax license
- Con: You’ll likely pay much more than you get
- How long will it take to pre-qualify?
- Credit card rewards could look different
- Hilton Garden Inn
- Scenario 2: A falling market
- 5. $300 a year in travel credit
- Updated: Alaska's Famous Companion Fare™
- 3. The RealReal
- Pros
- 2. Set a target for future earnings growth rate
- APR ranges for credit union lenders
- Cover your purchases
- Fiddle with dates and times
- 5. Teach others a skill
- When it could still make sense
- Consider pay-per-mile insurance
- United Airlines
- 7. Podcasting
- 2. Calculate the car loan amount you can afford
- 4. Select a provider to open your Roth IRA
- Grant databases
- Use a discount real estate broker
- Example interest checking APYs at select institutions
- 2. Install an anti-theft device on your catalytic converter
- Ages 35 to 44
- Upsides
- 2. Target undervalued sectors
- Personal loan calculator
- Autotrader
- 4. Review your beneficiaries
- Where Trust Wallet falls short
- Premiums
- Track your spending
- Michael Novogratz
- Runner-up: Hilton (Score: 4.5/5)
- Does Chase have a free checking account?
- How do I make sure coverage applies to my rental?
- Pros
- Step 4: File a certificate of formation
- 3. Consider buying the dip
- 2. Buy 10 times your income, plus $100,000 per child for college expenses
- What factors affect the amount you can borrow
- Watch out for account fees
- Consider the annual fee
- 3. Double declining balance depreciation
- 8. Use coupons
- Returning the car
- 5. Freelance writer or editor
- Mission Lane Cash Back Visa® Credit Card
- CDs at a bank vs. credit union
- Our pick for: Paying down medical debt
- Free games
- Lender requirements
- Stock mutual funds = higher potential returns (or losses)
- Step 3: Weigh the pros and cons of paying to upgrade your seat
- 7. Travel protection
- Potential drawback
- Traditional human financial advisors
- 4. Dollar-cost averaging
- Part-year resident status rules
- Size of the AC system
- Pros of debt consolidation
- 6. Combine points from multiple cards
- You can bring pets
- 2. Evaluate add-ons and endorsements
- Best business expense tracker for transportation businesses
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- Find a car loan
- Cost of car insurance for a college student in a two-adult household, by gender
- 4. Purchase and store your BNB
- Deductible
- Upgradeability
- Personal injury protection
- Can I renew my passport?
- 4. Up to $200 in annual credit for airline incidental fees
- Upgradability
- Avoid optional big expenses
- Puerto Vallarta
- Plan upgrades
- Tap into your home equity
- Palmetto Home Advantage
- Bid and ask
- 3. You must have lived in the house for at least two years in the five-year period before you sold it
- The Medicare Part B penalty
- Why it’s the best
- Appraisals
- 45% of brick-and-mortar buyers read reviews before making a purchase
- Crashes and car theft
- Valuation metrics
- Euphoria and despair
- Economic data
- Should you buy or sell based on these signals?
- State Farm
- 2023 credit card bonus categories
- Cheap car insurance after a speeding ticket
- Cloth diaper service
- 4. Pay your bill before your issuer reports to the credit bureaus
- 1. Cash dividends
- The benefits of compound interest
- If your tax rate is higher now than you expect it to be in retirement
- 6. Growth and value stocks
- Travel perks at no cost
- 8. Charitable donation deduction
- Preventing better use of your money
- You might need a separate IRA for traditional investments
- 3. Bonds and bond index funds
- Estimate your potential refinance savings
- 5. Bank of Colorado
- VA loans
- How to contact AARP
- 7. Editing
- Decide how much effort you’re willing to devote
- Medicare Part B
- The Platinum Card® from American Express
- 8. Create an airport-centric app
- 5. Research first-time home buyer assistance programs
- 6. Entertainment is free
- 5. Friends and family
- Citi Dividend
- 6. The child has to have a certain residency or citizenship status
- Applying for an IRS payment plan by phone or mail
- 5. Customer experience management, or CXM
- Up to 5x on travel - The Platinum Card® from American Express or American Express® Green Card
- Supply is limited — but the limit is one quadrillion
- 5. Lawn care business
- Submit the form online, once glitch is fixed
- Farmers
- Revoking membership as a Choice Benefit option
- 3. Leave your parents at home
- Be realistic
- Competitor practices
- Why you’re interested in the position
- British Airways Lounge
- Withdrawals are tax-free
- Cheapest minimum coverage car insurance in Florida for 20-year-olds
- 4. Narrow in on a business that aligns with your budget, goals and resources
- Premiums
- Cathay Pacific credit cards
- Activate the new card
- Apply natural makeup
- 2. Berkshire Hathaway Travel Protection (ExactCare Value plan: $56)
- FICO score ranges
- 2. Child identity theft
- Credit score for FHA loans
- 6. TSA PreCheck/Global Entry/NEXUS credit
- 3. Farm Credit organizations
- Fare flexibility/ticket changes
- Tactic 2: Use points or miles
- Places with the highest median down payments (in dollars)
- Home repairs
- Average car insurance costs after a speeding ticket in California
- Drawing your trademark
- Brokerage fee
- 5. Use your card instantly
- 3. Money market accounts
- Transfer your rewards
- Delta premium economy luxury amenity kit
- Taxes
- Shop for a new policy
- Navy Federal: Best for military members
- 1. Find a dividend-paying stock
- Our pick for: Online purchases
- Premiums
- Sell your home yourself
- 4. Speed Queen
- How to contact Ethos
- Tips for unfreezing your credit
- 3. Office space: $100 to $1,000 per employee per month
- Find ways to save
- Medical expenses
- FLAT-RATE CREDIT CARDS TO CONSIDER
- What coverage is included?
- Universal Studios Hollywood
- Cons
- 3. Use the DIME formula
- 3. Don’t miss out on tax deductions for volunteering
- 9. Indulge in national food holidays
- Why it’s the best
- Limited coverage of certain geographical areas
- Types of CDs
- Equity REITs
- 4. Index funds
- 3. Investing can trump saving over the long term
- Third-party digital wallets
- 5. KFC
- Seller concessions
- Purchasing stocks
- Chase Freedom Flex℠
- Nonresident status rules
- Installation and labor: $75 to $250 per hour
- Beacon America
- How to get a liquor license in Alabama
- Benefits of municipal bonds
- Emburse Prepaid Card
- Funeral insurance: Pays for your funeral only
- Dun & Bradstreet business credit scores
- 2. States with flat income tax rates
- Hampton by Hilton
- Annual Sky Club memberships
- Copays and coinsurance
- Cheapest full coverage car insurance in Texas for 20-year-olds
- Purchase a pass
- Infographics and other types of written content
- 4. Get more options as a non-U.S. entrepreneur
- 5. Up to $200 in Uber cash for rides
- Reach elite status faster with 1 Loyalty Point per 1 mile earned
- 5. Lack of information
- 3. Expedia
- For flights booked with Southwest Rapid Rewards points
- 1. Fill out a mortgage application
- The lottery annuity option
- 4. Hyatt Hotels & Resorts
- Use transferable points currencies to shop around
- Prior online research led to 13% greater in-store spending among omnichannel shoppers
- Chubb
- 2022 credit card bonus categories
- Air France-KLM Flying Blue
- LifeLock cons
- Online travel agencies
- 8. IT consulting
- Doula service
- 2. Stock dividends
- Trim level and car insurance rates
- A decent base rate on all purchases
- 9. Medical expenses deduction
- Downsides
- 3. Do your research
- Where to stash home-repair money
- 8. Writing a blog
- What Trust Wallet is best for
- Epcot rides
- Medicare Part D
- Bonus cash back in rotating categories
- Copays, coinsurance and deductibles
- Florida grants
- You’re visiting a park with many, or popular, attractions
- Small-cap stocks and value stocks may outperform
- What is the Chase checking account minimum balance requirement?
- 1. Gifting stock to kids through a custodial account
- 9. Become a destination wedding planner
- 4. JetBlue Airways
- 7. The Rapid Rewards program earns based on spending, not miles
- 6. Self-funding
- Erie: Best in the Mid-Atlantic and Midwest
- 6. Transcriptionist
- Savings and debt repayment
- Pros of a Peloton Bike
- 1. Do all or some of the work yourself
- Prime Day and Prime Early Access
- 5. Trade stocks
- 4. Buy stocks using the right order type for you
- 8. Cell phone protection
- Nationwide
- Average rates from the biggest auto insurers after an at-fault crash
- 5. Index investing
- What you like about the company or employer
- Old card: Starwood Preferred Guest® American Express Luxury Card Becomes: Marriott Bonvoy Brilliant™ American Express® Card
- Use third-party tools
- Superior rewards-earnings
- Your employer can contribute
- Term life insurance rates for nonsmokers
- Have a co-signer lined up
- 6. Plan a safe travel route
- Southwest Airlines
- 7. Transfer points to airline and hotel partners
- It gives you more freedom
- Our pick for: Going out on the town
- Small-business owners
- Qualify for a second-home mortgage
- 4. What are the costs?
- Choose a simple hairstyle
- 1. Decline minibar access at check-in
- Business credit cards
- 1. Zero-mile MileagePlus awards via the United Excursionist Perk
- Home equity lines of credit pros and cons
- 1. Find a dividend-paying stock
- Scenario 3: In a flattish market
- 7. Extra points on Lyft rides
- Baggage and seat selection
- Places with the lowest median down payments (in dollars)
- Moving costs
- Do I need to update Global Entry when I get a new passport?
- Guaranteed issue life insurance monthly rates for men
- Pros
- Cons
- What about an HDHP with a health savings account?
- Volume, average volume and day’s range
- 4. You cannot have claimed the home sale capital gains exclusion recently
- British Airways Avios
- Get money back in the form of future flight credits
- State Departments of Agriculture
- When and how long can you request a mail hold?
- Sell to an online used car retailer
- How to maximize your rewards
- Chase Sapphire Preferred® Card
- Leave 30% of your income for wants
- Work on your credit
- How do I access a HELOC?
- Step 5: Get an EIN
- Find preapproved auto loans
- DVC is way more expensive than most other timeshares
- Price
- Emirates economy class checked baggage policy
- How the Lifetime Learning Credit works
- 3. Tap your home equity for a loan or line of credit
- 5. Note your state's estate tax laws
- Compare manual and digital budgeting options
- What isn't covered?
- Should you invest in retail stocks in 2023?
- United Airlines MileagePlus
- Poshmark
- How can I qualify to borrow more?
- How much would refinancing save you?
- 3. Call your lender
- How we picked the airlines to evaluate
- 6. Influencer marketing
- Understanding your results
- 5. Update the house numbers
- Mortgage REITs
- Construction loans to build a house
- 6. Housecleaning
- FICO score ranges
- Premiums
- Virtual credit card numbers
- Earning as an elite member
- Choose term life if you:
- Copays, coinsurance and deductibles
- 3. Consider insurance for flooding and earthquakes
- Update credit card information for bills
- VantageScore ranges
- 3. Synthetic identity theft
- 3. States with progressive tax structures
- Some restrictions remain
- Air Canada preferred seat cost
- GET MORE MILES, MORE BENEFITS WITH A DELTA CARD
- 4. Grailed
- White papers, e-books and presentations
- 6. Up to $200 in annual hotel credit
- 3. Use the P/E ratio to find potentially undervalued stocks
- Features of free OrangeHRM Starter plan
- 4. Checking accounts
- Restaurant rewards
- The aggregate method
- Other perks of Delta premium economy
- 47% of businesses spent less than $10,000 on digital marketing
- One-time costs
- You can’t build credit with the loan
- Damage you do to others
- Nationwide
- 4. Fiverr
- 2021 credit card bonus categories
- 9. Catering
- In-home care service
- 3. Dividend reinvestment programs (DRIPs)
- Copays, coinsurance and deductibles
- 10. Deduction for state and local taxes
- Our pick for: Online shoppers
- Walmart Foundation
- 2. Pick which options to buy or sell
- Ages 45 to 54
- 4. Inventory: 17% to 25% of your total budget
- 3. Land a brand deal and make sponsored content
- Before delaying
- What is the Chase direct deposit requirement for checking accounts?
- 3. Anniversary nights
- 10. Make local guides
- 4. Keep the deadline in mind
- Look at the pricing and execution fine print
- Consider your spending and flying habits
- 7. Venture capital
- 10. Sign up for a free trial
- Apply for aid
- 7. Blogger
- Revocable life insurance trusts
- Cons of a Peloton Bike
- 2. Consider premium paints
- Other Ally Bank reviews
- Bond mutual funds = lower returns (but lower risk)
- 4. The tax advantages are prime for kids
- State Farm
- Drawbacks
- Auto rental collision damage waiver
- MetLife: Best pet insurance for older pets
- Contact your bank and creditors
- SAS Lounge
- Cons of debt consolidation
- Term life insurance rates for smokers
- How to get a liquor license in Alaska
- 3. Turn to qualitative stock research
- 2. Be cautious around sensor-equipped minibars
- Unpaid interest is cancelled
- Employer identification number
- Costs
- No annual fee
- Reconsider collision and comprehensive coverage
- 8. DoorDash discounts
- Free checked bag
- Fare flexibility/ticket changes
- Guaranteed issue life insurance monthly rates for women
- Cons
- 6. No annual, late, or foreign transaction fees
- Beta
- 5. You cannot have bought the house through a like-kind exchange
- 5. Hampton by Hilton
- Limitations
- Mortgage rates
- How much does a HELOC cost?
- 5. Monitor your total credit utilization
- 2. Evaluate the stock
- 4. Take surveys for money
- Redeeming beyond DVC properties is a terrible deal
- Citi Prestige® Card
- 4. Barclays rewards
- Lowering your credit score
- 3. Paint your catalytic converter
- 4. Real estate investment trusts (REITs)
- 9. Freelance researching
- Trust Wallet at a glance
- The World Showcase
- Hedging against future downturns
- What vehicle rentals are excluded?
- 2. Gifting stock through a Roth IRA
- Singapore Airlines KrisFlyer
- 6. Compare mortgage rates and fees
- 4. Think about getting a second opinion
- 4. Replace your income, plus add a cushion
- Ruby Lane
- 8. Your fare type will determine how many points you earn
- 1. The person can’t be anyone else’s qualifying child
- Top-tier status tops out at business class
- Free unlimited photo storage with Amazon Photos
- 7. Housesitting
- VantageScore ranges
- Cutting back on entry for international flights
- Home prices keep climbing
- PayPal Checkout
- Best for
- 6. McDonald’s
- Your long-term professional goals and interests
- Chase Freedom Unlimited®
- Seasonal Energy Efficiency Ratio (SEER) Rating
- Choose whole life if you:
- Cheapest auto insurance in Florida for 20-year-olds with poor credit
- 8. Worldwide acceptance
- 5. Do your due diligence
- People who want to cover their final expenses
- Best low-cost business expense tracker
- What else should I know about Roth 401(k) taxes?
- When are taxes due in October?
- Equifax business credit scores
- You don't want to risk sold-out cars
- Federal protections are minimal in the U.S.
- Stay at a Universal resort
- 7. Up to $300 Equinox credit
- Plan upgrades
- Aer Lingus
- The cash option
- Pros
- 92% of small-business reviews that consumers shared online were positive
- 6. Find local gigs through Nextdoor
- Getting your mail at the end of a mail hold
- 2020 credit card bonus categories
- Cheap auto insurance after an accident
- Step 6: Get funding
- 10. Social media management
- 3. Set a target purchase price
- Children’s play tank
- 4. Special dividends
- 1. Buy on your own terms
- Your money management style
- 11. Mortgage interest deduction
- 5. WaveMAX Laundry
- Who can claim the Lifetime Learning Credit?
- 4. Explore emerging industries
- CarFax
- Conventional loans
- 6. Weigh the value of professional help
- 2. Promote your business
- The Business Platinum Card® from American Express
- Sample letter requesting a goodwill deletion
- Use designated accounts for spending and savings
- Draft an LLC operating agreement
- 1. Diversification
- 4. Sum of the years’ digits depreciation
- Earn by spending on credit cards
- How we chose the winner
- 3. Prep the space yourself
- AvantCard Credit Card
- 7. Content automation
- Hybrid REITs
- How Marriott elites get access to United Silver status
- Market orders
- Debt collectors
- When are taxes due in October?
- Copays, coinsurance and deductibles
- Earning on partners
- Cut all nonessential spending
- 4. Think about getting a second opinion
- 3. Source your suppliers
- Current student loan interest rates
- It can earn you serious points
- Key terms in this story
- Winner: Singapore Airlines
- Cruising further from the U.S.
- 4. Taxpayer identity theft
- Which is better when?
- Cheapest life insurance companies for smokers in fair health
- 2. Evaluate the stock
- Hilton Garden Inn
- Scenario 4: In a rising market
- 4. Farm Plus Financial
- Discounted in-flight purchases
- Cheapest minimum coverage car insurance in Texas for 20-year-olds
- Lounge access
- Podcasts
- Allegation of use
- Stock trading fee
- 3. The Electronic Federal Tax Payment System (EFTPS)
- A bank-adjacent account: Cash management accounts
- EPS (TTM) and earnings date
- 6. You cannot be subject to expatriate tax
- Why it’s the best
- Share your rewards
- 2. Review your Loan Estimates
- Basic economy tickets are typically ineligible
- United Airlines
- Sell to a traditional car dealership
- Injuries to you
- Best insurance company for affordability: NJM
- Points expire
- 5. Gather your paperwork
- 1. Individual stocks
- Stocks
- 4. Set an alarm or camera to catch thieves
- Ages 55 to 64
- It’s a home, not an investment
- 1. Advanced Industries Early-Stage Capital and Retention Grant
- Pay bills on time
- 10. Freelance coding and web design
- Hawaiian Airlines-JetBlue partnership
- Complicated spouses
- Winners: Hilton (Score: 5/5)
- Pay the security deposit upfront in cash
- How long will the rental be covered?
- 4. Credits
- Our pick for: Everyday spending
- 11. Create a local grocery delivery service
- 5. La Compagnie
- Emirates Skywards
- 8. Angel investors
- 3. EB-5 green card for investors
- 11. Enter sweepstakes
- Why it’s the best
- 2. The person has to be related to you or live with you
- 6. Clean or replace porch lights
- Amazon Elements
- See how APYs have moved at high-yield accounts versus regular accounts
- Renovation loans to buy and repair fixer-uppers
- Money market mutual funds = lowest returns, lowest risk
- 5. Exchange-traded funds (ETFs)
- 8. Errand-running
- 5. The money can be used for more than retirement
- Travelers
- Potential drawback
- 2. Find the right location for your vending machine
- 6. Growth investing
- USO Center
- You must have a high-deductible health plan
- How to get a liquor license in Arizona
- Average monthly life insurance rates for senior women
- 1. Have a goal for your index funds
- 3. IMG (iTravelInsured Lite plan: $77)
- Debt-to-income ratio
- Credit access and security are also concerns
- Try usage-based car insurance
- 9. No foreign transaction fees
- What is the Global Entry interview like?
- Perkins loans
- 8. $300 SoulCycle credit
- Seat selection
- Average online personal loan rates over time
- Why you might roll a 401(k) into an IRA
- 4. Capital One Travel
- Why does the network matter?
- Redemption value
- 6. Bring a car seat — or rent one
- Air France-KLM Flying Blue
- 6. InterContinental Hotels Group or IHG
- Control
- Email is the top marketing tool used by small businesses
- 7. Freelance
- Sustainable Agriculture Research and Education (SARE) Grants
- The lender has a history of customer complaints
- 2019 credit card bonus categories
- Commit 20% of your income to savings and debt paydown
- United MileagePlus
- Personal assistant service
- 5. Preferred dividends
- 3. Decide how much stock you want to buy
- Bonus features
- 12. Gambling loss deduction
- Bank of America Charitable Foundation
- 5. Marketing: Below 10% of your total budget (even 0%)
- Book one to three months in advance
- Full details about Trust Wallet's ratings
- Make a plan to pay off debt
- You don’t have multiple existing reservations in your day
- Runners-up: Marriott and Radisson (Score: 4.8/5)
- 3. Gifting stock to friends and family
- Etsy
- What's next?
- 2. Low cost
- 8. Graphic designer
- Irrevocable life insurance trusts (ILITs)
- What if my car is worth more than insurance is willing to pay?
- Reach out for help
- Mutual funds
- Salary expectations
- What if you can’t pay your bills?
- Retail arbitrage
- Whole life insurance rates for nonsmokers
- Additional standard deduction 2023 (taxes due 2024)
- Co-signers or co-owners of debt
- Singapore Airlines loyalty program
- 3. Ditch hotels with minibars (or book hotels with free minibars)
- Certain repositioning cruises
- “Doing business as” registration
- Compare car insurance rates for 35-year-olds
- No foreign transaction fees
- Earning rates
- Home warranty
- Webinars
- Debt management plan
- 7. Mastercard global payment network
- Winner: Tie
- Rewards rate
- Ex-dividend date
- Tickets booked with an online travel agency might be tricky
- American Airlines
- Legal protection
- 11. Business planning service
- 2. Compare prices
- 2. Mutual funds
- In network
- Trusts
- How much does it cost?
- 7. Plan to reassess
- 3. Learn the difference between investing in stocks and funds
- Keep credit utilization below 30%
- 4. Sell some merch
- Epcot food
- Consistency is key
- What if I don’t have personal auto insurance?
- 12. Start a virtual event planning company
- British Airways Executive Club
- 5. Focus on the long term
- Determine if you can meet the welcome bonus spend requirements
- 9. Small-business grants
- USAA: Best for military and veterans
- How much do you need to invest for a business green card?
- Itemize your deductions using credit card tools
- 4. Get competing bids
- 8. Artificial intelligence
- Changes that will impact students with siblings in college
- Apply for TRIP
- Publicly-traded REITs
- Amazon Family
- 9. Seasonal chores
- USAA
- 7. Dunkin’
- Old card: Starwood Preferred Guest® Credit Card from American Express Becomes: Marriott Bonvoy Business® American Express® Card
- 1. Examine your cooling needs
- 9. Coverage if your trip is canceled or delayed
- 4. Get quotes from at least three companies
- PEX Prepaid Visa
- How to contact New York Life
- Average monthly life insurance rates for senior men
- Experian business credit scores
- What do I need for my loan application?
- If your employer doesn’t offer a 401(k) match
- You might be able to reserve a car now — and rebook the same one later at a discount
- 3. Decide how much stock you want to buy
- 10. Airport lounge access
- 2024 Medicare Part D IRMAA
- Fare flexibility/ticket changes
- 5. Vestiaire Collective
- HEAL loans
- California car insurance rates after a speeding ticket by company: 35-year-old drivers
- 9. Up to $240 in digital entertainment credit
- Baggage and boarding
- 4. Focus on market cap to screen out risky companies
- Average bank personal loan rates over time
- Do you have preferred doctors?
- You can use credit card benefits to travel in basic economy
- Gift cards
- Cons
- Email marketing’s average ROI is $36 for every $1 spent
- Our pick for: Simple cash back
- How to hold mail at the post office
- Ongoing fees
- Step 3: Set up your business
- U.S. Bank Altitude™ Reserve Visa Infinite® Card
- 2018 credit card bonus categories
- Loan limits
- Specialty organizer
- 6. Dividend funds
- You’re committed for decades
- Travel
- Account linking
- 5. American Express Membership Rewards
- 13. IRA contributions deduction
- Ages 65 to 74
- 2. Advanced Industries Export Grant
- Florida scholarships
- 7. Gather your loan paperwork
- 3. Strong long-term returns
- Credit life insurance vs. term life insurance
- Compare award letters
- How to reduce the cost of a Peloton
- How we assigned star ratings
- Ways to build credit
- Drawbacks
- Consider dramatic measures
- Find the most cost-effective processor for your business
- 5. Focus on the long term
- Citi Custom Cash® Card
- Whole life insurance rates for smokers
- Additional standard deduction 2024 (taxes due 2025)
- United Airlines
- Work with a real estate agent to find your ideal second home
- Methodology
- Purchasing a Plumeria Lounge day pass
- 2. 2,240-point Southwest flights
- 2. Research index funds
- 5. Medical identity theft
- 2023 tax rates by state
- Hampton by Hilton
- After you're approved for Global Entry
- Low-down-payment mortgages
- International trademark registration
- Bankruptcy
- 8. Privacy and security
- Features of Freshteam Free plan
- 1-year target estimate
- Average cost of renters insurance in California by city
- Emirates Skywards
- 8. Tutor your peers
- Your stolen stuff
- 5. Upwork
- 12. Tax consulting
- 5. Make money from your blog with affiliate links
- 3. Have funds ready
- 1. Earn elite status
- Out of network
- Make a lump sum payment
- Example CD APYs at select institutions
- 5. Check your car insurance
- 4. Borrow from your 401(k)
- 5. Money market funds
- Keep credit accounts open
- 11. Software and app development
- Place a debit card hold
- How does coverage vary for international rentals?
- Iberia Plus
- Pay taxes and file information report
- 10. Crowdfunding
- 9. Video producer
- Our pick for: Flexibility
- How United elites get access to Marriott status
- 10. Selling handmade crafts
- Step 4: Check to make sure your seat selection is OK
- Competition remains steady
- Mini CD ladder
- 7. Value investing
- Dividends
- 2. Time it right
- 4. Price your product
- How to get a liquor license in Arkansas
- 3. The rules for guest access
- Cheapest auto insurance in Florida for 20-year-olds with one speeding ticket
- 10. Baggage delay insurance
- 5. Get funding for your wine business
- Best business expense tracker for travel-related expenses
- Home occupation permit
- Baggage and boarding
- Cheapest auto insurance in Texas for 20-year-olds with poor credit
- Credit cards for earning American AAdvantage miles
- Home staging
- California car insurance rates after a speeding ticket by company: 20-year-old drivers
- 10. $189 Clear credit
- Average credit union personal loan rates over time
- Is a large network important?
- 1. Review your W-4
- Index funds
- Shop with rewards
- 7. Sheraton
- Type of business
- 47% of small-business owners run marketing entirely on their own
- WANT TSA PRECHECK FOR FREE?
- 2017 credit card bonus categories
- Specialty clothing shop
- Selling your contract typically comes at a loss
- 6. Pick your investments
- 14. 401(k) contributions deduction
- Resident status rules
- Futures
- Government bonds
- How long do things last?
- Bank loans
- Know what’s inside
- CarGurus
- 6. Website: Around $40 per month
- Marriott Bonvoy Brilliant® American Express® Card
- Develop good credit habits
- 13. Sell zero-waste products
- Swappa, Gazelle
- 9. Elite status members will earn more points and get more perks
- Consider the net value of the card’s welcome bonus
- Consider how much you’ll need to borrow
- 3. The person’s gross income is below the limit
- How we verified our data
- 5. Trim the scope of the job
- 9. Podcasting
- Bonus points on everyday spending - The Blue Business® Plus Credit Card from American Express
- Book round-trip flights
- Public non-traded REITs
- Get your finances in order
- 6. Investment apps
- Patriot America Plus
- Short-term funding
- It feels like home
- Cathay Pacific loyalty program
- Lack of information around Free File
- Down payments and gift funds
- Ask about car insurance discounts for students
- Goals: Keep them realistic
- Debt settlement
- Plan upgrades
- Why you might not want to roll a 401(k) to an IRA
- Moving averages
- American Express travel insurance disclosures
- Etihad Guest
- Cancel for Any Reason insurance can help
- Delta Air Lines
- Paperwork and compliance
- How to maximize your rewards
- Cheapest car insurance after a DUI
- 1. Personalize your fitness business
- 3. Index funds
- Security
- 3. Predict the option strike price
- 6. Zoom Express Laundry
- Is the Lifetime Learning Credit refundable?
- Fleet expense management tools
- 3. Collaborative Infrastructure Grant
- Space out credit applications
- 5. Offer memberships
- 5. Global Entry/TSA Precheck application reimbursement
- Two-day ticket deals
- 1. Air France
- 11. Business credit cards
- Convert other programs’ points to Mileage Bank miles
- Think twice before paying taxes with a credit card
- 10. Photographer
- Limit orders
- 11. Making greeting cards
- Uneven splits
- ASPCA: Best pet insurance for younger pets
- 8. Pizza Hut
- Appraisal fee
- Capital One SavorOne Cash Rewards Credit Card
- 3. Look for equipment rebates and tax credits
- 11. Rental car coverage
- How does TrueCar's True Cash Offer work?
- 1. Avoid filing your tax return on paper
- 4. Put your stock research into context
- Risks of municipal bonds
- Average annual car insurance costs from large companies
- In case of medical emergencies
- Winner: Virgin Atlantic
- 6. Account takeover
- 11. Luxury hotel benefits
- Fare flexibility/ticket changes
- Parent PLUS loans
- 11. Reimbursement of application fees for TSA Precheck or Global Entry
- Responding to trademark office actions or oppositions
- Mutual fund transaction fee
- Earnings rates
- 9. Modern style
- Watch the calendar
- Travel credits
- Cash back
- 3. Loan processing takes over
- 9. Take surveys
- 2016 credit card bonus categories
- Property standards
- Tutoring service
- 2. Use credit card statement credits to offset Frontier seat fees
- 6. Capital One Rewards
- Make biweekly payments
- Carnegie Corporation
- VA loans
- Set a price alert
- 12. Business coaching
- Look at nonchain hotels
- What is the procedure for filing a claim?
- 14. Make products for pets
- 8. Get a preapproval letter
- Follow federal requirements
- 6. Take advantage where you can
- 4. You have to provide more than half the person’s total financial support for the year
- 6. Time your project
- Grow Credit Mastercard
- Shop around for lenders
- Calculating miles you’ll earn on an Alaska flight
- Stock splits
- 1. Automate transfers
- United Club
- How to get a liquor license in California
- 4. What fun amenities await
- 4. John Hancock (Silver plan: $93 for a mid-tier plan)
- A word about IRA eligibility
- 5. National Funding
- Seat selection
- What happens if you are declined?
- Down payment assistance programs
- Portion of buyer’s closing costs
- Budget: Factor in all the costs
- Perks await when you fly economy with elite status
- Iberia Plus Avios
- Specialty or alternative funds
- 8. W Hotels Worldwide
- Legal regulations
- The FruitGuys Community Fund
- Wingstop franchise financing
- How to maximize your rewards
- 0% APR credit cards
- 13. PR agency
- Dividend per share (DPS)
- Renting Disney Vacation Club points can be complicated
- 15. Saver’s credit
- Our pick for: A lengthy 0% APR
- Online business loans
- 3. Sell your castoffs
- Monitor your credit reports
- JetBlue-Qatar Airways partnership
- 6. Priority Pass Select
- A few other fee-related details to note
- 10. Streaming service
- Avoid traveling to certain countries
- 12. Art teacher
- Best for
- Discount points
- 6. Take advantage where you can
- Dropshipping
- 12. Travel assistance
- 2. Get direct deposit
- Determine if you need a rider
- 3. Pick your index funds
- Tactic 3: Use your military benefits
- 12. Up to $100 in statement credits annually at Saks Fifth Avenue
- 5. Research the stocks
- Set cash aside
- 2. Make sure your bonus is actually taxable
- Dwelling coverage
- 2015 credit card bonus categories
- Specialty fitness service
- How quickly could the IRS implement the child tax credit expansion?
- 6. Sell your wares on Etsy
- Customer support
- Don't just forget about it
- Winner for premium cabin classes: tie
- Conventional loans
- How to have more taxes taken out of your paycheck
- Rebook if you find a cheaper price
- 13. College consulting
- Invest in your financial future
- Consider vacation rentals
- 15. Create custom clothing
- Consider tools, education and features
- Amica vs. State Farm home insurance
- Lemonade vs. Geico renters insurance
- 11. Podcast host
- Solar panel incentives by state
- Private REITs
- Drawbacks
- Stocks
- 8. Income investing
- Inheritance and gifts
- United Club
- 5. Find your customers
- Medium-term funding
- No-exam life insurance rates for nonsmokers
- How to get a liquor license in Colorado
- Cheapest auto insurance in Florida for 20-year-olds with one at-fault crash
- 3. 2,500-mile Delta SkyMiles awards
- 7. Criminal identity theft
- 12. Cardholder hotline
- Earning rates
- Cheapest auto insurance in Texas for 20-year-old drivers with one speeding ticket
- Upgradability
- 4. Debit card
- Features of Bitrix24 Free plan
- Winner: Qatar Airways
- Know your health insurance terms
- Support and resistance
- Wildfires
- Qantas Airways
- 4. The underwriter makes a decision based on your documentation
- Aeroplan
- 10. Search for regular jobs for kids
- Citi Prestige® Card
- Personal loans
- Dividend yield
- Our pick for: Cell phone and internet bill payments
- Prudence's policy:
- 16. Health savings account contributions deduction
- Part-year resident status rules
- Pay extra on your monthly car payment
- Example money market account APYs at select institutions
- 6. High-yield savings accounts
- 1. LoanBuilder by PayPal
- 7. Office furniture and supplies: 10% of your total budget
- The Hilton Honors American Express Business Card
- Appendix: How the math works in our examples
- Our pick for: Flat-rate travel rewards
- Convert other points to miles through a 2-step transfer
- Understand what your credit card insurance will (or won’t) cover
- Use your refund to pay down debt
- Get prequalified
- 13. Musician
- Potential drawback
- 9. Denny’s
- Blue Cash Preferred® Card from American Express
- Home equity loan
- 13. Purchase protections
- 3. Stay on top of things
- How to transfer points from Chase to Southwest
- U.S. Bank business prepaid cards
- FHA appraisal
- Baggage and boarding
- Audience: Review your target audience
- 13. Walmart+ Monthly Membership Credit
- 10. Monthly installment plan
- 5. Kiwi
- 3. Use tax deductions
- 6. OfferUp
- 2014 credit card bonus categories
- Best insurance company for accident forgiveness: Geico
- Chase cards
- 2. Make your fitness studio a place to hang out
- 14. Professional organizing
- Your heirs are likely saddled with paperwork when you die
- 7. Citi ThankYou Points
- Ford Foundation
- 4. Determine the option time frame
- 7. Express Laundry Center
- Cars.com
- Can you pay estimated taxes at any time?
- 7. Elite status
- Three-day ticket deals
- Resident status rules
- 11. 3D printing
- Prepared to put down roots?
- Escrow account funds
- 2. Count your coins and bills
- Old card: Marriott Rewards® Premier Plus Credit Card Becomes: Marriott Bonvoy Boundless® Credit Card
- No-exam life insurance rates for smokers
- How to get a liquor license in Connecticut
- Hilton
- Our pick for: Apple enthusiasts
- Selling a car to TrueCar
- 5. Buy your home insurance policy and read it closely
- 13. Access to unique, cardmember-only events
- Upgradeability
- Plan upgrades
- Consider using a retirement account
- Elite status
- Singapore Airlines
- China Airlines
- Farm Bureau Ag Innovation Challenge
- Pros of a 203(k) loan
- Points and miles
- User experience
- Scenario: Doctor visits and an MRI
- Use the Best Fare Finder and pay in cash
- 17. Self-employment expenses deduction
- Benefits
- 5. Enter a debt management plan
- 4. Set a budget for your stock market investment
- 4. Earn badges through Live videos
- How to have less taxes taken out of your paycheck
- Other airline partners
- Chase premium checking accounts
- 16. Sell vintage clothing online
- 2. Delta
- 9. Choose a real estate agent carefully
- American Family
- 12. Social media consultant
- Utility-based clean energy incentives
- Hire a builder
- 14. Music lessons
- Bonds
- United Polaris
- 14. Customer service without the wait
- Term life insurance
- Winner: Tie
- Content: Focus on quality
- Expense ratios
- 4. Contribute to a tax-advantaged account
- Assess your finances
- 4. Find your gate
- How to maximize your rewards
- Cheapest auto insurance for poor credit
- 15. Photography
- 2. OnDeck
- 8. Utilities: Around $2 per square foot of office space
- Be flexible with destination, airport and dates
- 14. Tutoring
- U.S. Bank Altitude® Connect Visa Signature® Card
- 10. Rapid Rewards points never expire
- Amica vs. Geico home insurance
- Estimate loan payments
- How to transfer Marriott points to United miles
- AM Best Financial Strength Rating: A (Excellent) for most
- Earning as a Mileage Plan elite
- 9. Socially responsible investing
- Real estate
- Capital One Savor Cash Rewards Credit Card*
- Longer-term funding sources
- How to get a liquor license in Delaware
- 4. One more thing to know about your tax refund
- 4. Decide where to buy your index funds
- Seat selection
- 4. Set a budget for your stock market investment
- Higher premiums, more coverage
- Virgin Atlantic Flying Club
- Franchising pros
- Pros
- Personal property
- Cons of a 203(k) loan
- 1. Make a business plan
- Where is the best place to exchange currency?
- 7. Self-publish an e-book
- Vanguard 500 Index Fund (VFIAX)
- Reviews
- 18. Home office deduction
- Nonresident status rules
- Coca‑Cola Foundation
- Corporate bonds
- Drawbacks
- What happens if I forget to pay my quarterly taxes?
- Call and ask
- 17. Begin niche blogging
- Methodology
- Take advantage of promotions
- For JAL flights
- Head of household filing status
- 12. E-commerce
- Dollar-cost averaging
- Get preapproved
- 15. Farmers market vendor
- 10. Ben & Jerry’s
- Flood determination and monitoring fees
- 3. Find your vending machine
- 3. Prep for grocery shopping
- Home equity line of credit
- 6. Get the logistics down
- Print-on-demand services
- Cheapest auto insurance in Florida for 20-year-olds after a DUI
- Permanent life insurance
- Singapore Airlines
- 5. Nationwide (Essential plan: $76)
- Past years' state tax rates
- Aim to save at least 10% to 15% of your pretax income
- Cheapest auto insurance in Texas for 20-year-old drivers with one at-fault crash
- Tracking: Identify key metrics
- 14. Access to the American Express Global Lounge Collection at airports
- Medicare enrollment periods
- 5. Your loan is cleared to close
- Japan Airlines
- Our pick for: Flexible rewards and a bonus
- Allianz Global Assistance
- Refinancing
- Dividend payout ratio
- Multiple people per contract can get messy
- 4. Exchange-traded funds
- 8. Bank of America® rewards
- 7. CDs
- VA loans
- How to use a W-4 to owe nothing on a tax return
- How do you get a perfect credit score?
- 15. Online fitness trainer
- 10. Narrow down your ideal type of house and neighborhood
- 11. Earning a Companion Pass is a big money saver
- Lemonade vs. State Farm renters insurance
- 13. Dropshipper
- Chime Secured Credit Builder Visa® Credit Card
- Our pick for: Drugstores
- Mutual funds
- AKC: Best pet insurance for pets with pre-existing conditions
- Safe Travels USA
- How to get a liquor license in Florida
- How much is auto insurance after an at-fault accident?
- SAVE benefits available by October 2023
- Earning rates
- Features of free Connecteam Small Business plan
- 1. Live in the house for at least two years
- Earthquakes
- Research hotel franchises
- Young Farmer Grant Program
- AmEx cards
- 16. Event space
- How do I find a currency exchange near me?
- Vanguard Total Stock Market Index Fund (VTSAX)
- Book Emirates economy fares on points
- 19. Educator expenses deduction
- 3. Bluevine
- 9. Payroll: 25% to 50% of your total budget
- For flights on partner airlines
- Child tax credit
- 16. Candle maker
- How's your job security?
- Best for
- Earning on partners
- Government recording fees
- 4. 2,500-point Free Spirit awards
- Mortgage insurance
- Freshen up your merchandise
- 15. Centurion Lounge Complimentary Guest Access
- Lower premiums, higher out-of-pocket
- Golden crosses and death crosses
- Airport lounge access
- 5. Defer your bonus
- Singapore Airlines
- Bonzah
- 5. Wait at the gate
- How to maximize your rewards
- Loss of use
- 7. Poshmark
- 3. Incorporate data into your services
- 2. Create a marketing strategy
- AM Best Financial Strength Rating: A (Excellent)
- Scenario: Trip to the ER
- Edmunds
- Conventional loans
- 5. Build a community
- How can I make paying quarterly taxes easier?
- Save
- 8. Travel protections
- 18. Become an e-book writer
- Part-year resident status rules
- Get final approval
- J.D. Power Ranking
- State Farm vs. Allstate home insurance
- How to get a liquor license in Georgia
- Marriott
- Cathay Pacific
- SAVE benefit starting in February 2024
- Understand your financing needs
- Upgradeability
- Plan upgrades
- 2. See whether you qualify for an exception
- AeroMexico
- Franchising cons
- 11. Monetize your social media accounts
- Cons
- How to maximize your rewards
- Capital One Venture X Rewards Credit Card
- Pros
- 17. Interior decorating
- Where can you exchange currency for free?
- Vanguard Total Bond Market Index Fund (VBTLX)
- 20. Solar tax credit
- Our pick for: Dedicated rewards seekers
- Home Depot Foundation Veteran Housing Grants Program
- An example of buying a call
- Property-based passive income ideas
- 16. SEO consulting
- 3. United Airlines
- Spring road trip? Save money at the pump
- 14. Consultant
- Child and dependent care tax credit
- 13. Portable charging devices
- Your goals and time horizon
- 17. Retail arbitrage
- Potential drawback
- Exchange-traded funds
- 11. Edible Arrangements
- Loan-origination charges
- Old card: Ritz-Carlton® Rewards Credit Card Becomes: The Ritz-Carlton Card
- Cash-out refinance
- 5. Buy index funds
- Winner: Virgin Atlantic
- 1. Freeze your credit
- How much will you really need to retire?
- Pre-qualify to compare offers
- Floods
- How to enroll in Medicare
- Rental Cover
- Personal liability
- 8. Get advertising revenue from your blog or YouTube channel
- 5. Focus on investing for the long-term
- Other details you should know about Trust Wallet
- Hurricanes and tropical storms
- 12. There are no blackout dates
- Auto Club Group
- Long-term goals vs. short-term goals
- State Farm vs. USAA home insurance
- Is an import/export business profitable?
- SAVE benefits available by July 2024
- 14. Purchase protection
- Cheapest auto insurance in Texas for 20-year-old drivers after a DUI
- Take clear photos
- 16. Upgrade to Marriott Bonvoy Gold Elite status
- 5. Credit card
- 6. BookWithMatrix
- 3. Keep the receipts for your home improvements
- Cathay Pacific
- Match your skills (and finances) to the right hotel franchise
- 12. Get paid to stream on Twitch
- Citi cards
- Cons
- 18. Woodworking or furniture building
- 3. Figure out financing
- Vanguard Balanced Index Fund (VBIAX)
- J.D. Power Ranking
- 21. Energy efficient home improvement tax credit
- Our pick for: Customizable bonus categories
- 19. Start ghostwriting
- Renting a car? Take advantage of rental insurance benefits
- 15. Event or wedding planner
- Earned income credit
- Cryptocurrency pros
- Risk tolerance and diversification
- 18. Graphic designer
- NCQA Score Range: 2.5 to 4.0 out of 5
- Drawbacks
- Are you financially prepared?
- Mortgage insurance or fees for government-backed loans
- Discover it® Cash Back
- 4. Minimize restaurant spending
- How to get a liquor license in Hawaii
- AM Best
- 6. Seven Corners (Basic plan: $75)
- 2. Safeguard your Social Security number
- Evaluate typical farm loan requirements
- Stay true to your brand
- Sales load
- 5. Focus on investing for the long-term
- Hotel status
- Fund-a-Farmer Grants
- Sure
- Best insurance company for having few customer complaints: American Family
- An example of buying a put
- 8. Buy a rental property
- 10. Professional consultants: Between $1,000 and $5,000 per year
- 17. Selling handmade goods
- Invest
- More from NerdWallet
- Other ways to redeem Mileage Bank miles
- Nonresident status rules
- Hurricanes
- How do import/export companies make money?
- Cheapest full coverage car insurance in Florida for 30-year-olds
- Compare car insurance rates for drivers with a DUI
- 15. Return protection
- 17. Upgrade to Hilton Honors Gold status
- 1. Decide what type of investor you are.
- Gifting large sums of money to family
- Licensing pros
- 4. Specialize in a type of workout or demographic
- Vanguard Growth Index Fund (VIGAX)
- Don’t forget the fifth-freedom flights
- 22. Electric vehicle tax credit
- Clif Family Foundation
- 2020-2022 earned income credit amounts
- Winner for lowest fees: Tie
- Improve your credit score
- Is Trust Wallet right for you?
- Flooding
- 20. Become a resume writer
- 11. Stick to your budget
- Traveling abroad? Watch for foreign transaction fees
- Adoption credit
- 14. Publishing e-books
- 5. Optimize your stock portfolio
- 19. Technology tutor
- 12. Cinnabon
- 4. Explore your financing options
- Personal loan
- How to get a liquor license in Idaho
- Winner: Singapore Airlines
- 6. Keep an eye on your index funds
- 3. Be alert to phishing and spoofing
- Write an honest description
- Keep it relevant, useful and authentic
- Choice Hotels
- Pay off debt
- Medical payments
- 19. Graphic design
- NCQA Score Range: 2.5 to 4.5 out of 5
- California earned income tax credit (CalEITC)
- Low staffing needs
- 16. Ecommerce reseller
- Cryptocurrency cons
- How to transfer United miles to Marriott points
- Pest inspection
- State Farm vs. Progressive home insurance
- How many products do you want to list at once?
- What is an export license?
- Wholesaling
- Hyatt
- Transfer points from Diners Club
- 16. Extended warranty
- Research and compare lenders
- 18. Money-saving perks for stays booked through The Hotel Collection
- Features of free SnapHRM Startup plan
- Testing a resistance level
- Transfer partners
- Where you live
- The 10 largest lottery jackpots
- Consider a loan
- UNLOCK AIRPORT LOUNGES WITH THE RIGHT CARD
- Cheapest car insurance for young drivers
- Conventional loans
- Vanguard Small Cap Index Fund (VSMAX)
- 9. Rent out your own house
- Write a Solid Business Plan
- Used Car Search Pro by iSeeCars
- 6. Manage your stock portfolio
- 18. Virtual thrift shop
- 21. Open a coworking space
- 4. Air Tahiti Nui
- 20. Blogger
- Earning as a Mosaic elite
- Low-risk vs. high-risk investing strategy
- Discover it® Chrome
- 5. Get discounts on entertainment
- CoverAmerica-Gold
- Singapore Airlines
- 5. 2,900-point JetBlue TrueBlue flights
- 4. Use strong passwords and add an authentication step
- Home purchase: Basic Home Mortgage 203(b)
- Customize your content for each channel
- Paying for vacations, cars or other stuff
- Hawaiian Airlines Hawaiian Miles
- Licensing cons
- Brighter Future Fund
- Loss assessment
- How to compare life insurance quotes
- Capital One cards
- 20. Clothing boutique
- 9. Become an Instagram influencer
- Our pick for: Maximized value
- California young child tax credit (YCTC)
- Year-round demand
- How we review crypto wallets
- Pay off debt
- Varo Believe Secured Credit Card
- 15. Fitness tech
- 6. Know when to sell stocks — and when not to
- Average of sample monthly rates for dogs
- Prepaid expenses
- Do you want to choose your own payment processor?
- Marriott Rewards Premier Plus Business Credit Card
- What documents do I need to import goods?
- How to get a liquor license in Illinois
- J.D. Power
- Buy wine with Laithwaites
- Price clothes to sell
- 19. Complimentary benefits through Fine Hotels & Resorts
- 6. Manage your stock portfolio
- Plan upgrades
- Address any lingering questions
- Your coverage limits
- 14. Be prepared to carry them off the plane
- Avoid taking on more debt
- Capital One Venture Rewards Credit Card
- 5. Get your studio on social media
- Vanguard Total International Stock Index Fund (VTIAX)
- Bring the kids
- Maximize your business’s revenues
- 1. Has the W-4 form changed?
- Tornadoes
- Auto-Owners
- Fly On elite status
- 17. Gig worker
- Our pick for: Walgreens
- 21. Podcaster
- 13. Dairy Queen
- Cheapest minimum coverage car insurance in Florida for 30-year-olds
- Average car insurance costs after a speeding ticket
- 5. Use alerts
- FHA refinance loans
- Cheapest full coverage car insurance in Texas for 30-year-olds
- Fully utilize content
- Giving a laid-back loan
- Request a hotel franchise questionnaire
- FHA loans
- Life insurance quotes vs. rates
- 21. Bed and breakfast
- California child and dependent care tax credit
- Low failure rate
- 10. Get a roommate
- 19. Affiliate marketing
- 22. Become an online coach
- 12. Make the most of walk-throughs and open houses
- Hail
- Average of sample monthly rates for cats
- Do-it-yourself vs. hiring professional help
- 6. Map out major purchases
- How to get a liquor license in Indiana
- Our pick for: Everyday spenders
- Cathay Pacific
- Order gourmet gifts from Harry & David
- 7. Travelex Insurance Services (Basic plan: $71)
- 17. Rental car coverage
- Gather your documentation and apply
- Your deductible
- Hilton Honors
- Wait to apply
- Our pick for: Worldwide acceptance
- Kubota Hometown Proud Grant Program
- 11. Insurance: Average of $1,200 per year
- 16. Online teaching
- 22. Social media influencer
- Tax monitoring and research fees
- Ink Business Unlimited® Credit Card
- NCQA
- 6. Watch your mailbox
- Management or advisory fees
- Setting up joint bank accounts
- Card ecosystem
- 6. Board the airplane
- 6. You'll need to wear many hats
- 22. Food truck
- Our pick for: Travelers
- California adoption cost tax credit
- Work-life flexibility
- Alternative investment passive income ideas
- 2. What does it mean to be exempt from taxes?
- 20. Accounting or bookkeeping
- Repeat
- Winter weather
- 23. Flip failing websites
- 18. Life coach
- How 'free' is it, really?
- Direct sourcing
- How to get a liquor license in Iowa
- Get meal kits delivered from Home Chef
- 18. Trip cancellation or interruption insurance
- 20. Free shipping with ShopRunner
- 6. Mobile via IRS2Go
- 2. Choose how much you want to invest.
- 10. Monetize your Twitch channel
- Our pick for: Bank of America® customers
- 17. Mobile application development
- 23. Live-streaming gamer
- 14. Cold Stone Creamery
- Title-related costs
- Winner: Virgin Atlantic
- 7. Shred, shred, shred
- FHA renovation loans
- Your claims history
- JetBlue TrueBlue
- Obtain hotel franchise disclosure documents
- Farmer Veteran Fellowship Fund
- Step 4: Look for funding options
- Best insurance company for financial strength: Auto-Owners
- Cheapest auto insurance for senior drivers
- Above-the-line deductions
- California nonrefundable renters tax credit
- TrueCar
- 24. Become a web developer
- NYC tax rate schedule
- Tornadoes
- Ink Business Cash® Credit Card
- 7. Restrict online shopping
- How to get a liquor license in Kansas
- Cheapest auto insurance in Florida for 30-year-olds with poor credit
- 6. Chase's travel portal
- Cheapest minimum coverage car insurance in Texas for 30-year-olds
- 21. Concierge service
- 7. Hire excellent staff
- 23. Restaurant or cafe
- Amazon Web Services (AWS) Imagine Grant
- 11. Peer-to-peer lending
- 21. Telemarketing
- 13. Don’t skip the home inspections
- 19. Virtual assistant
- 24. Photographer or videographer
- New no-fee Marriott card coming soon
- Business credit cards vs. prepaid debit cards: How to choose
- Average car insurance costs after a DUI
- 8. Use a digital wallet
- Other specialty FHA loans
- 19. Trip delay reimbursement
- 3. Gather your paperwork.
- The features of your home
- Marriott Bonvoy
- 12. Taxes: Variable, but 21% corporate tax rate
- 25. Start a podcast
- Farmers
- 18. Search engine optimization consultant
- Pros
- Earning as an A-List elite
- 5. Stock your vending machine with inventory
- How to get a liquor license in Kentucky
- 22. Low fares through the International Airline Program
- 24. Craft brewery
- Below-the-line deductions
- 3. When should I review my W-4?
- 22. Online personal assistant
- 25. Web designer
- Wildfires
- Do you expect to need more features?
- Use the Southwest Rapid Rewards Shopping site
- 9. Protect your mobile devices
- 20. Lost luggage reimbursement
- Other policies
- Consult with a hotel franchise attorney
- 7. Retrieve your luggage
- American Express® Gold Card
- 26. Be a social media influencer
- 20. Pet sitter and dog walker
- 19. Social media consultant
- 8. Delay purchases with the 30-day rule
- How to get a liquor license in Louisiana
- 23. Savings with the Cruise Privileges Program
- 11. Sell your photography
- 12. Private equity
- 23. Data entry
- 14. Negotiate with the seller
- Pros
- How to reach the different status levels
- 26. Transcription
- Private labeling or white labeling
- Cheapest auto insurance in Florida for 30-year-olds with one speeding ticket
- 10. Check your credit reports regularly
- Compare auto insurance rates for drivers with poor credit
- 21. Medical emergencies during travel
- Cheapest auto insurance in Texas for 30-year-olds with poor credit
- 401(k) fees
- 4. Pick your investments.
- Credit required
- Your dog
- Review the hotel franchise agreement
- 25. Ice cream shop
- 13. Travel: Variable
- 4. Can I adjust my W-4 multiple times throughout the year?
- Cons
- Real estate agent commissions
- Would an online marketplace be a better choice than a website?
- How to get a liquor license in Maine
- 6. Evaluate the price of the business with the earnings, assets or market approach
- Get the Southwest button browser add-on
- 24. Car Rental Privileges
- 24. Transcription
- 27. Create online courses
- 21. Remote travel agent
- 20. Drone videography
- 6. Make the right investments
- 9. Get creative with gifts
- 11. Monitor financial and medical statements
- 7. Same-day wire transfer
- 26. Personal chef
- Our pick for: Prime gaming
- Our pick for: Paying rent
- 27. Data entry
- Property and transfer taxes
- How to get a liquor license in Maryland
- 25. Deals through the Amex Auto Purchasing Program
- 8. Exit the airport and enjoy your trip
- Our pick for: Instacart shoppers
- 14. Shipping: Variable
- 25. Travel planning
- 28. Become a marketing consultant
- 15. Buy adequate home insurance
- Cons
- The Hanover
- 21. Cybersecurity or IT consulting
- 7. Redeem Capital One miles
- What should you do if you’re invested in these REITs?
- Overseas acceptance
- Finalize the details
- Best insurance company for discounts: Amica
- 27. Landscape services
- State Farm Good Neighbor Citizenship Company Grants
- 13. Crypto staking
- 22. Tour guide
- 28. Create an app or online game
- Title insurance
- How to get a liquor license in Massachusetts
- Cheapest auto insurance in Florida for 30-year-olds with one at-fault crash
- Cheapest auto insurance in Texas for 30-year-old drivers with one speeding ticket
- 26. An extra point when booking Platinum Destinations Vacations
- How to maximize your rewards
- Capital One Savor Cash Rewards Credit Card*
- 10. Lower your car costs
- Our pick for: Rewards maximizers
- Step 5: Invest in product and tools
- 28. Pet grooming
- 26. Cybersecurity and IT consulting
- 29. Develop an app
- 23. Bookkeeper
- 22. Venture capitalist
- 27. Additional value through the InCircle rewards program
- Winner for lowest fees: Spirit
- 12. Become a dog walker with Rover or Wag
- How to get a liquor license in Michigan
- 29. Florist
- Google Ad Grants
- 24. Personal trainer
- 11. Reduce your gas usage
- Making items yourself
- 1. Lost wallet
- 28. AmEx Carbon Emissions Tracker
- 30. Make a smart appliance
- How to get a liquor license in Minnesota
- Cheapest auto insurance in Florida for 30-year-olds after a DUI
- Average annual car insurance costs for drivers with good vs. poor credit
- Benefits of FHA loans
- Cheapest auto insurance in Texas for 30-year-old drivers with one at-fault crash
- Product creation passive income ideas
- Secure funding
- 27. Online therapy
- Nationwide
- Global Club elite status
- 23. Startup incubator
- What’s covered — and what’s not
- 8. Check, money order or cashier’s check
- 30. Massage therapist
- 31. Tap into virtual reality experiences
- How to get a liquor license in Mississippi
- 2. Mailbox theft
- Disadvantages of FHA loans
- Citi® / AAdvantage® Executive World Elite Mastercard®
- 13. Sell unused gift cards
- 28. PR consulting
- 25. Baker
- 12. Bundle cable and internet
- 1. Look at customer satisfaction scores
- 29. The Global Dining Access by Resy
- The Unless Project
- Individual stocks
- 14. Write content
- 32. Make a niche dating site
- 24. Antivirus developer
- How to get a liquor license in Missouri
- 2. Consider financial strength
- 3. Using public Wi-Fi
- Cheapest auto insurance in Texas for 30-year-old drivers after a DUI
- 30. Exclusive events
- Roth IRA withdrawal rules
- 31. Nutritionist
- Get a business credit card
- 29. Podcasting
- 33. Develop a chatbot
- 25. Domain name broker
- 13. Switch your cell phone plan
- How to get a liquor license in Montana
- Best insurance company for customer satisfaction: State Farm
- Our pick for: Target gaming purchases
- Up to 3 stopovers on a Japan Mileage Bank partner airline award ticket
- Reimbursement
- Pros
- Cheapest full coverage car insurance in Florida for 40-year-olds
- 7. Secure capital to make the purchase
- 3. Evaluate the policy options
- 31. An open invitation to events with Membership Experiences
- Roth IRA withdrawal penalty
- 32. Personal trainer or fitness instructor
- 14. List your spare bedroom on Airbnb
- 34. Offer matchmaking skills
- State Farm
- How to get a liquor license in Nebraska
- 4. Data breaches
- Compare insurance rates for drivers with an accident
- Dividend stocks
- 30. Life coaching
- Cons
- 32. A better view with American Express Preferred Access
- Delta SkyMiles® Platinum Business American Express Card
- Aldi Cares Community Grants
- 35. Be a virtual assistant
- Up to 7 stopovers on Oneworld award tickets
- 14. Reduce your electric bill
- How to get a liquor license in Nevada
- 4. Get prices from a handful of companies
- 33. Beauty services
- 15. Publish a digital course
- How much is auto insurance for young drivers?
- 5. SIM card swap
- 9. Cash
- 31. Video production
- How to get a liquor license in New Hampshire
- Cheapest minimum coverage car insurance in Florida for 40-year-olds
- Our pick for: Foodies
- Cheapest full coverage car insurance in Texas for 40-year-olds
- 34. Life coach
- 1. What is the average cost to start a small business?
- 36. Reinvent exercising
- 15. Lower your student loan payments
- Step 6: Hire staff
- Zendesk Tech for Good Impact Awards
- Car-related passive income ideas
- 32. Resume writing and career coaching
- How to get a liquor license in New Jersey
- 6. Phishing or spoofing
- 33. No foreign transaction fees
- 2. How do you calculate startup costs?
- 37. Create eco-friendly, health-friendly makeup and beauty products
- Travelers
- Best insurance company for military members: USAA
- 15. Sell your gently used clothes
- 16. Cancel unnecessary subscriptions
- How to get a liquor license in New Mexico
- 34. Upgrade with points
- Step 7: Set your pricing
- United Club℠ Infinite Card
- 35. Tutor
- 16. Wrap your car with ads
- 33. Dropshipping
- 38. Open a food truck or restaurant pop-up
- Waiting periods
- Cheapest auto insurance in Florida for 40-year-olds with poor credit
- 7. Skimming
- Cheapest minimum coverage car insurance in Texas for 40-year-olds
- The Audacious Project
- 3. Are business startup costs tax-deductible?
- How to get a liquor license in New York
- 35. No preset spending limit
- 36. Daycare provider
- 39. Start an organization business
- Reviews
- 17. Refinance your mortgage
- 17. Rent out a parking space
- How to get a liquor license in North Carolina
- Average annual car insurance costs for young drivers by company
- 8. Phone scams
- 36. A lower annual fee on additional cards
- Our pick for: Walmart gaming purchases
- 4. What is considered a startup cost?
- 34. Recruiting
- 40. Do interior design for young professionals
- 37. Senior care provider
- 16. Trade in old phones, electronics for cash
- Wells Fargo nonprofit grants
- 18. Set savings goals
- How to get a liquor license in North Dakota
- Cheapest auto insurance in Florida for 40-year-olds with one speeding ticket
- Cheapest auto insurance in Texas for 40-year-olds with poor credit
- 37. CreditSecure
- 10. IRS payment plan or installment agreement
- 35. Marketing consulting
- How to compare renters insurance
- 9. Looking over your shoulder
- 38. Interpreter or translator
- How to get a liquor license in Ohio
- Transfer hotel points
- Marriott Bonvoy Brilliant® American Express® Card
- 36. Online fundraising or grant writing
- Step 8: Create an online presence
- 39. Housecleaning
- How to get a liquor license in Oklahoma
- 10. Malware
- 17. Get a babysitting gig
- 37. Online course teaching
- 19. Track spending
- Cheapest auto insurance in Florida for 40-year-olds with one at-fault crash
- Our pick for: Frequent travelers
- Earn Southwest points for stays
- Cheapest auto insurance in Texas for 40-year-old drivers with one speeding ticket
- 38. Cell phone protection
- 1. Review your mission
- How to get a liquor license in Oregon
- 40. Automotive repair
- 38. Online cooking instruction
- 39. Purchase protection
- 2. Refine your search with keywords
- 20. Pay off high-interest debt
- How to get a liquor license in Pennsylvania
- Book accommodations in the Southwest Hotels portal
- 1. Gather your information
- 41. Handyman services
- 40. Return protection
- 18. Rent out your car
- Our pick for: PlayStation purchases
- 39. YouTube channel
- How to get a liquor license in Rhode Island
- Cheapest auto insurance in Florida for 40-year-olds after a DUI
- Cheapest auto insurance in Texas for 40-year-old drivers with one at-fault crash
- Prime Visa
- You have a roommate
- 21. Keep savings in a high-yield savings account
- 41. Extended warranty
- 42. Dry cleaners
- 3. Narrow down based on location
- How to get a liquor license in South Carolina
- 8. Close the deal with the appropriate documents
- Step 9: Serve up delicious foods
- 40. Voiceover work
- Book stays via Rocketmiles
- 42. Baggage insurance plan
- 43. Hardware store
- 22. Create a 50/30/20 budget
- How to get a liquor license in South Dakota
- 2. Choose the right liability car insurance coverage levels
- 4. Look for organizations with similar values
- You’re on a tight budget
- Cheapest auto insurance in Texas for 40-year-old drivers after a DUI
- 43. Car rental loss and damage insurance
- 44. Self-storage business
- 19. Sign up for TaskRabbit
- 41. Start a team
- How to get a liquor license in Tennessee
- Cheapest full coverage car insurance in Florida for 50-year-olds
- 44. Premium Car Rental Protection
- Verizon Visa® Card
- 45. Freelance copywriting and content creation
- 5. Consider hiring a grant writer
- You would want new items if your belongings were destroyed
- 23. Shop consignment and thrift stores
- How to get a liquor license in Texas
- 45. Trip delay insurance
- 46. Rideshare driver
- How do you want to make money?
- 20. Become a private tutor
- You own expensive jewelry or electronics
- How to get a liquor license in Utah
- Our pick for: Luxury travelers
- 46. Trip cancellation and interruption insurance
- 47. Website development and design
- How will you find work?
- Cheapest minimum coverage car insurance in Florida for 50-year-olds
- Cheapest full coverage car insurance in Texas for 50-year-olds
- How to get a liquor license in Vermont
- 48. Sell clothes online
- 47. Premium Global Assist Hotline
- Our pick for: Best Buy purchases
- How much autonomy do you want?
- You have a dog
- 24. Join initiatives to get free items
- How to get a liquor license in Virginia
- 3. Decide if you need full coverage car insurance
- 49. SEO consultant
- 21. Drive for Uber, Lyft
- How to get a liquor license in Washington
- Cheapest auto insurance in Florida for 50-year-olds with poor credit
- Cheapest minimum coverage car insurance in Texas for 50-year-olds
- 50. App development
- 25. Use car sharing services
- How to get a liquor license in West Virginia
- Cell phone protection
- 22. Make deliveries for Amazon, Uber Eats
- How to get a liquor license in Wisconsin
- Cheapest auto insurance in Florida for 50-year-olds with one speeding ticket
- Cheapest auto insurance in Texas for 50-year-olds with poor credit
- Purchase protection
- 26. Stock up on household supplies when they’re cheap
- How to get a liquor license in Wyoming
- 4. Collect and compare car insurance quotes
- Return protection
- 23. Find work as a housesitter
- Extended warranty
- 27. Enjoy community events
- Cheapest auto insurance in Florida for 50-year-olds with one at-fault crash
- Cheapest auto insurance in Texas for 50-year-old drivers with one speeding ticket
- Baggage insurance plan
- Our pick for: Digital Microsoft Store purchases
- Pros of buying a business
- Car rental loss and damage insurance
- 24. Sign up to be a mystery shopper
- 28. Cash in on your birthday
- Cheapest auto insurance in Florida for 50-year-olds after a DUI
- Cheapest auto insurance in Texas for 50-year-old drivers with one at-fault crash
- Trip delay insurance
- Trip cancellation and interruption insurance
- 25. Put your drone to work
- Cheapest auto insurance in Texas for 50-year-old drivers after a DUI
- Compare car insurance companies
- Cheapest full coverage car insurance in Florida for 60-year-olds
- Conditions common to your dog’s breed
- Cheapest minimum coverage car insurance in Florida for 60-year-olds
- Cons of buying a business
- Cheapest full coverage car insurance in Texas for 60-year-olds
- Your dog’s energy and activities
- Cheapest auto insurance in Florida for 60-year-olds with poor credit
- Cheapest minimum coverage car insurance in Texas for 60-year-olds
- Wellness expenses
- Cheapest auto insurance in Florida for 60-year-olds with one speeding ticket
- Cheapest auto insurance in Texas for 60-year-olds with poor credit
- Decide whether your cat needs insurance
- Cheapest auto insurance in Florida for 60-year-olds with one at-fault crash
- Cheapest auto insurance in Texas for 60-year-old drivers with one speeding ticket
- Wellness expenses
- Cheapest auto insurance in Florida for 60-year-olds after a DUI
- Cheapest auto insurance in Texas for 60-year-old drivers with one at-fault crash
- 1. Check whether your pet is eligible
- 2. Research what’s covered
- Cheapest auto insurance in Texas for 60-year-old drivers after a DUI
- Cheapest full coverage car insurance in Florida for 70-year-olds
- 3. Decide how much coverage you want
- Cheapest minimum coverage car insurance in Florida for 70-year-olds
- Cheapest full coverage car insurance in Texas for 70-year-olds
- 4. Understand reimbursements and deductibles
- Cheapest auto insurance in Florida for 70-year-olds with poor credit
- Cheapest minimum coverage car insurance in Texas for 70-year-olds
- 5. Check waiting periods
- Cheapest auto insurance in Florida for 70-year-olds with one speeding ticket
- Cheapest auto insurance in Texas for 70-year-olds with poor credit
- 6. Examine extra costs
- Cheapest auto insurance in Florida for 70-year-olds with one at-fault crash
- Cheapest auto insurance in Texas for 70-year-old drivers with one speeding ticket
- 7. Compare quotes
- Cheapest auto insurance in Florida for 70-year-olds after a DUI
- Cheapest auto insurance in Texas for 70-year-old drivers with one at-fault crash
- Cheapest auto insurance in Texas for 70-year-old drivers after a DUI
1. Roll your debts onto a balance transfer credit card
0% introductory APR period.
A year or more to pay off debt without interest.
Requires good to excellent credit to qualify.
Usually carries a balance transfer fee.
Higher APR kicks in after the introductory period.
Also called credit card refinancing, this option transfers credit card debt to a balance transfer credit card that charges no interest for a promotional period, typically 15 to 21 months. You’ll need good to excellent credit (690 credit score or higher) to qualify for most balance transfer cards.
A good balance transfer card will not charge an annual fee, but many issuers charge a one-time balance transfer fee of 3% to 5% of the amount transferred. Use NerdWallet’s balance transfer savings calculator to see whether the interest you save over time will wipe out the cost of the fee.
Aim to pay your balance down completely before the 0% intro APR period is over. Any remaining balance after that time will have a regular credit card interest rate.
» COMPARE: Best balance transfer credit cards
2. Apply for a credit card consolidation loan
Fixed interest rate means your monthly payment won’t change.
Low APRs for good to excellent credit.
Direct payment to creditors offered by some lenders.
Hard to get a low rate with bad credit.
Some loans carry an origination fee.
Credit card consolidation loans, also called debt consolidation loans, are fixed-rate loans that come in a lump-sum, ranging from $1,000 to $50,000, with terms up to seven years. You can apply for a consolidation loan at your local credit union, bank or through an online lender.
Credit unions are not-for-profit lenders that may offer their members more flexible loan terms and lower rates than other lenders, especially for borrowers with fair or bad credit (689 credit score or lower). The maximum APR charged at federal credit unions is 18%. You’ll need to become a member before you apply for a consolidation loan, but membership is typically quick and affordable.
Bank loans provide competitive APRs for good-credit borrowers, and benefits for existing bank customers may include larger loan amounts and rate discounts. If you have a good relationship with your bank, ask what their consolidation options are before committing to another lender.
Online lenders offer debt consolidation loans for borrowers across the credit spectrum, so they’re a good option if you can’t qualify through a credit union or bank. Most online lenders also let you pre-qualify without affecting your credit score, which is less common among banks and credit unions. Pre-qualifying gives you a preview of the rate, loan amount and term you may get once you formally apply.
Look for lenders that offer special features for debt consolidation. Some lenders, for example, will discount the rate on a debt consolidation loan or send the loan funds directly to your creditors, simplifying the process.
Use NerdWallet’s debt consolidation calculator to enter all of your debts in one place, see typical rates from lenders and calculate savings.
» COMPARE: Best credit card consolidation loans
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3. Tap your home equity for a loan or line of credit
Typically lower interest rates than personal loans.
May not require good credit to qualify.
Long repayment period keeps payments lower.
You need equity in your home to qualify, and a home appraisal is usually required.
Secured with your home, which you can lose if you default.
If you’re a homeowner, you may be able to take out a loan or line of credit on the equity in your home and use it to pay off your credit cards or other debts. This is an option for borrowers who can’t qualify for credit elsewhere.
A home equity loan is a lump-sum loan that you pay back with a fixed interest rate, meaning you’ll have predictable monthly payments and a clear finish line. However, these loans are less flexible than a line of credit, which works like a credit card with a variable interest rate.
A HELOC, or home equity line of credit, often requires interest-only payments during the draw period, which is usually the first 10 years. That means you’ll need to pay more than the minimum payment due to reduce the principal and make a dent in your overall debt during that time.
Since both of these types of credit are secured by your house, you’re likely to get a lower rate than what you would find on a personal loan or balance transfer credit card. However, you can also lose your home if you don’t keep up with payments.
4. Borrow from your 401(k)
Lower interest rates than unsecured loans.
No impact on your credit score.
Reduces your retirement fund.
Heavy penalty and fees if you can't repay.
If you lose or leave your job, you may have to quickly pay back your loan.
If you have an employer-sponsored retirement account like a 401(k) plan, you can typically borrow up to half the amount (with a $50,000 maximum), for a term up to five years, to help pay off your debts. These loans usually come with single-digit interest rates, so they’re much cheaper than credit cards, and any interest you pay goes back into your account. Another benefit is this loan won’t show up on your credit report, so there’s no impact on your score.
But taking out a 401(k) loan is very risky. Not only can it significantly impact your retirement savings, if you can’t repay, you’ll owe a hefty penalty plus taxes on the unpaid balance, and you may be left struggling with more debt.
Plus, if you lose your job or quit, the loan is automatically due on tax day of the next year.
Consider a 401(k) loan only after you’ve ruled out balance transfer cards and other types of loans.
5. Enter a debt management plan
Fixed monthly payments.
May cut your interest rate by half.
Doesn't hurt your credit score.
Startup fees and monthly fees are common.
It may take three to five years to repay your debt.
Debt management plans roll your credit card balances into one monthly payment at a reduced interest rate. You then pay it off over three to five years. These plans work best for those who are struggling to pay off credit card debt but don’t qualify for other options because of a low credit score.
Unlike other credit card consolidation options, opting into a debt management plan won’t hurt your credit score, and if you’re able to make payments on time, it should help.
But debt management plans typically come with fees, so you’ll want to verify the fee amounts and how they affect your overall payoff plan before making a commitment. Going through a nonprofit credit counseling agency is a good way to find an affordable debt management plan.
If your credit card debt is more than 40% of your income and can’t be repaid within five years, bankruptcy may be a better option than a debt management plan.
» MORE: Compare debt payoff strategies
What is credit card consolidation?
Credit card consolidation is when you use another credit product to pay off your credit card balances in one fell swoop. You’re then left with only one payment on your new debt.
For consolidation to make sense, the new debt should have a lower annual percentage rate than your credit cards, so you save money on interest. You can even apply that savings back to your debt, which will shorten the payoff period and get you out of debt faster.
How does credit card consolidation work?
Credit card consolidation works by using a different credit product to pay off your credit card balances at a lower interest rate. The logistics depend on which product you choose.
For example, if you go with a credit card consolidation loan, you’ll need to apply for the loan with a bank, credit union or online lender. Once approved, you’ll receive the money in your account, which you can use to pay off your credit cards.
If you have $10,000 in debt across four credit cards, you’d apply for a $10,000 loan then individually pay off each of the four cards (some lenders offer to pay off your cards for you). You’re then left with one fixed payment on the consolidation loan, which you make monthly, until the loan is paid off in full.
» MORE: How do consolidation loans work?
Is consolidating credit card debt a good idea?
Consolidating credit card debt is a good idea if you can qualify for a low enough interest rate and pay off the debt during the allotted time period, which will vary based on the consolidation product you choose.
You’ll also want to be certain you can keep your credit card balances at or near zero while you pay off the new debt. For example, if you take out a consolidation loan to pay off your credit cards, but then accumulate a balance on your credit cards again, you’ll be in a worse position than when you started.
Can I still use my credit card after debt consolidation?
If you consolidate your credit cards, you can still use them. Consolidating just means you’re paying them off, so your balances will be at zero, but the cards themselves will remain open unless you take the step of closing them.
Closing a credit card can hurt your credit score. Financial experts often suggest tieing a small recurring expense, like your monthly phone bill, to the card to keep it active. Avoid paying for nonessential expenses with your credit card, since this could delay getting out of debt.
Debt consolidation rolls multiple debts, like high-interest credit cards or loans, into a single payment.
The best way to consolidate credit card debt depends on how much debt you have, your credit score and what existing financial resources you can pull from, but popular options include balance transfer cards and consolidation loans.
A consolidation loan might be better than paying off credit cards on your own if you can qualify for a lower interest rate than the average rate on your cards. This would reduce interest costs, lower your monthly payment and potentially get you out of debt faster.
Consolidating debt affects your credit in a few ways. Your credit score may temporarily dip when a lender or card issuer does a hard credit inquiry. Making a late payment on your consolidation product can also hurt your credit. But if you pay on time and stay out of debt in the future, the overall effect could be positive.
rolls multiple debts, like high-interest credit cards or loans, into a single payment.
The best
way to consolidate credit card debt
depends on how much debt you have, your credit score and what existing financial resources you can pull from, but popular options include balance transfer cards and consolidation loans.
A
consolidation loan
might be better than paying off credit cards on your own if you can qualify for a lower interest rate than the average rate on your cards. This would reduce interest costs, lower your monthly payment and potentially get you out of debt faster.
Consolidating debt affects your credit
in a few ways. Your credit score may temporarily dip when a lender or card issuer does a hard credit inquiry. Making a late payment on your consolidation product can also hurt your credit. But if you pay on time and stay out of debt in the future, the overall effect could be positive.
on NerdWallet