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Personal Finance 2020-11-04T14:36:00Z
Natalie Taylor   Headshot 2019

I'm a financial planner, and I almost always recommend the same type of life insurance to my clients

I tell most of my clients they need life insurance — but rarely expensive permanent life insurance. Term life insurance is usually a better fit.
Personal Finance 2020-11-13T20:05:00Z
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The Amex Platinum is available to active-duty servicemembers at no annual fee — but even with the fee, the credit card is a great value

Here's how active-duty US servicemembers can get the Amex Platinum Card's fee waived. The card offers a fantastic value and great travel benefits.
Personal Finance 2020-11-03T18:00:00Z
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The best rewards credit cards of 2020

The best rewards credit cards to open now. We break down the best credit card options for earning points, miles, or cash back in 2020.
Personal Finance 2020-11-27T19:42:26Z
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Premium Personal Finance 2020-11-29T15:00:00Z
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'Financial independence, retire early:' How to tell you're ready to join the FIRE movement based on your salary, savings, and lifestyle

The typical early retiree has enough saved to cover their annual expenses, has maximized their earnings, and has an early retirement vision.
Personal Finance 2020-11-29T14:52:00Z
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Couples agonize over whether to combine finances, but after working in the financial industry for years, I think they're missing a more important conversation

Deciding whether to combine finances with your partner is a big one for many couples. After that, though, who controls the money?
Personal Finance 2020-11-29T13:26:00Z

Today's best mortgage and refinance rates: Sunday, November 29, 2020

Mortgage rates are at historic lows, so it could be a good time to get a mortgage or refinance your house.

The best offers from Insider Coupons

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Personal Finance 2020-11-27T17:43:52Z

Use the best credit cards for Black Friday and Cyber Monday to earn the most rewards on your holiday spending, whether you prefer cash back or flexible points

Black Friday and Cyber Monday isn't just about big discounts — you can earn hefty rewards from your holiday shopping by using the right credit cards.
Personal Finance 2020-11-27T17:26:48Z

Legendary Harvard psychologist Dan Gilbert outlines 8 money principles will bring you the most happiness for your dollar

Money buys happiness, if you know how to spend it well. Think about that as you make Black Friday purchases.
Personal Finance 2020-11-27T16:56:21Z

Stash is an investment app that's good for beginners who need help finding money to invest

Stash is an investment app that offers fee-free trades, fractional share investing, and account fees starting at $1 per month.
Personal Finance 2020-11-27T16:34:55Z

Credit card points can save you money on holiday shopping, but you could be better off saving them for post-pandemic travel

Points can help lower your holiday expenses, but you don't always get great value. If you have a budget for gifts, consider using a new card instead.
Personal Finance 2020-11-27T15:48:00Z

How refinancing your student loans now could affect your access to loan forgiveness in the future

Consider your options carefully before refinancing — you might not have access to forgiveness in the future.
Personal Finance 2020-11-27T15:32:00Z

Robinhood Cash Management Account review: Hybrid checking and savings account with no foreign transaction fees

You may like the Robinhood Cash Management Account if you also want to invest with Robinhood, and if you're comfortable banking digitally.
Personal Finance 2020-11-27T15:00:00Z

The best cheap car insurance in Hawaii

For best car insurance in Hawaii, you'll need multiple quotes. Hawaii does not allow credit score, age, or gender to influence insurance premiums.
Personal Finance 2020-11-27T14:30:00Z

Father-son financial advisors find too many people have a blind spot around estate planning, and they use 2 strategies to break through

Father-son financial advisors in Miami warn that not having an estate plan can derail a person's intentions for their wealth.
Personal Finance 2020-11-27T13:57:00Z

How to lower your monthly student loan payment if you're worried about how to afford it when forbearance ends in January

An income-driven repayment plan could lower or eliminate what you owe when student loan payments resume in January, but there are some downsides.
Personal Finance 2020-11-27T13:16:03Z

Today's best mortgage and refinance rates: Friday, November 27, 2020

If your finances are in a good place, you can lock in a historically low mortgage rate with a fixed-rate mortgage.
Personal Finance 2020-11-26T16:46:00Z

3 tricks I've been using for years to keep from spending too much — or too little — on gifts

Between my large family and multiple birthdays to celebrate, my holiday spending can easily get out of control. Here are 3 simple strategies I use.
Personal Finance 2020-11-26T14:42:00Z

I thought I was well-prepared for homeownership, but I never saw 2 costly surprises coming my way

The author and her husband saved a down payment, raised their credit scores, and kept their debt down before buying a home. That was the easy part.
Personal Finance 2020-11-26T14:10:00Z

The best cheap car insurance in Massachusetts

The best cheap car insurance is Massachusetts can be found by comparison shopping and getting multiple quotes before you decide.
Personal Finance 2020-11-26T14:01:10Z

Costco Anywhere Visa Card by Citi review: Generous rewards at the bulk retailer and beyond, with a few caveats to consider

The Costco Anywhere Visa earns more cash back on gas than on Costco purchases. If you don't mind redeeming rewards once a year, it's a decent option.
Personal Finance 2020-11-26T13:41:32Z

Today's best mortgage and refinance rates: Thursday, November 26, 2020

Mortgage and refinance rates are low across the board, so it could be a good day to lock in a low mortgage rate.
Personal Finance 2020-11-25T23:25:25Z

Now through November 30, you can save up to 60% on identity-protection plans from Identity Guard®

Through November 30, you can save up to 60% when signing up for identity theft protection with Identity Guard.
Personal Finance 2020-11-25T23:19:41Z

Now through November 30, you can save up to 60% on identity-protection plans from Identity Guard®

Through November 30, you can save up to 60% when signing up for identity theft protection with Identity Guard.
Personal Finance 2020-11-25T20:31:16Z

Citi Double Cash card review: One of the best cash-back cards has no annual fee, and 0% intro APR on balance transfers for 18 months

If you prefer simplicity, the Citi Double Cash card earns 2% cash back (1% when you buy and 1% when you pay) on all purchases — with no annual fee.
Personal Finance 2020-11-25T20:02:58Z

You can transfer Citi ThankYou points to 16 airline partners, and the best programs can save you thousands of miles on flights to destinations like Hawaii

You can transfer Citi ThankYou points to 16 airlines, including JetBlue, Singapore Airlines, and Avianca — and some offer terrific award sweet spots.
Personal Finance 2020-11-25T19:33:58Z

7 hidden costs of parenthood most people don't expect to pay, according to financial planners who have kids

Financial planners say the major unexpected costs of having a family include birth costs, medical expenses, public school expenses, and childcare.
Personal Finance 2020-11-25T18:02:02Z

Mobile home owners need homeowners insurance, but it's not the same type you'd get for a house

Mobile home insurance is a type called HO-7 homeowners insurance, which covers your home, your belongings, and liability.
Premium Personal Finance 2020-11-25T17:48:26Z

Millennials are experiencing their second recession in a decade. Here are 23 of the best financial advisors who specialize in tackling their specific debt and affordability issues.

Record student loan debt and two recessions are just some factors complicating millennials' financial lives. These power players are the specialists.
Personal Finance 2020-11-25T17:13:38Z

Robinhood lets you avoid trading commissions and purchase specialty investments such as cryptocurrencies

Robinhood is an online stock brokerage offering commission-free trading for US-based active investors.
News 2020-11-25T17:12:59Z

The rejection rate for millennials' credit loans was cut in half this year, according to a new study

Even with banks reigning in their credit approval standards, more people are getting approved for loans than 2019.
Personal Finance 2020-11-25T17:10:13Z

I see domestic violence every day in my work, and I always give women the same advice: Keep your own, separate bank account

Without a separate bank account, it can feel impossible to pull together the cash you need to leave an abusive relationship.
Personal Finance 2020-11-25T16:29:21Z

Ask a financial planner: Should I prioritize my credit-card debt or my 401(k) during the pandemic?

Ideally, you'll make more than the minimum payment on your debt and continue the habit of consistently investing, even if it's a small amount.
Personal Finance 2020-11-25T14:59:00Z

Discover just added Best Buy to its 5% cash-back calendar, and it's perfect timing for Black Friday shoppers

Discover it cardholders can now earn 5% cash back at Best Buy — plus Amazon, Walmart.com, and Target.com, on up to $1,500 in combined spending in Q4.
Personal Finance 2020-11-25T14:51:00Z

If you're shopping for the holidays, these 6 credit cards can get you the most points or cash back

Make sure you're using a credit card for your holiday shopping that will protect your purchases and earn you bonus rewards.
Personal Finance 2020-11-25T14:26:30Z

The homeowners insurance you need is based on the kind of home you have, and there are 8 types to choose from

There are eight types of homeowners insurance based on your home type. The most common are condo, renters, and homeowners insurance.
Personal Finance 2020-11-25T13:29:58Z

Today's best mortgage and refinance rates: Wednesday, November 25, 2020

Although some refinance rates have increased since last Wednesday, mortgage rates are at all-time lows overall.
Personal Finance 2020-11-24T22:44:33Z

3 things self-made millionaires never do with their money

Millionaires tend to not carry exclusive, high-fee credit cards, nor give large gifts of money to their adult children.
Personal Finance 2020-11-24T21:49:00Z

Citi Accelerate Savings account pays a high APY for residents of 42 US states, with no opening deposit

Citi Accelerate Savings pays a high rate and doesn't require an opening deposit. Your monthly fee will depend on which Citibank package you choose.
Personal Finance 2020-11-24T21:48:00Z

The best credit cards for Amazon purchases

You can buy just about everything at Amazon. Make sure you're doing it with the right credit card to earn the most bonus points or cash back.
Personal Finance 2020-11-24T20:34:34Z

Interest-only mortgages mean low monthly payments, but you won't build equity in the same way as a regular loan

With an interest-only mortgage, you'll just pay interest for the first few years. Then you'll switch to paying both interest and principal.
Personal Finance 2020-11-24T19:11:38Z

I've cut my grocery bill in half by making every recipe in a vegetarian cookbook, and it's also helped me get through the mind-numbing sameness of quarantine

Working methodically through "The New Moosewood Cookbook" has cut her grocery bill and helped her steer clear of expensive holiday meals.
Personal Finance 2020-11-24T18:27:00Z

You can buy life insurance on your parents, but you'll need their permission to do it

If you do not have an insurable interest and your parents' permission, you will not be able to buy life insurance for your parents.
Premium Strategy 2020-11-24T18:03:00Z

The 4 books that helped a couple retire at age 31 as self-made millionaires to travel the world

Kristy Shen and Bryce Leung began investing during the 2008 downturn and retired early in 2015. They've visited 40 countries since.
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