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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 2020-12-31T20:33:28Z
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The best rewards credit cards of 2021

The best rewards credit cards to open now. We break down the best credit card options for earning points, miles, or cash back in 2021.
Personal Finance 2020-11-27T19:42:26Z
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Citi / AAdvantage Platinum Select card review: A solid welcome bonus plus benefits like a free checked bag can save you lots of money

The Citi AAdvantage Platinum Select World Elite Mastercard offers a big bonus, free checked bag on domestic itineraries, preferred boarding, and more.
Personal Finance 2021-01-16T17:07:00Z
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Personal Finance 2021-01-16T15:48:00Z

A medical exam is part of the life insurance underwriting process, and it can lower the premiums you'll pay

Life insurance premiums are determined by your health risk based on your medical exam during the underwriting process.
Personal Finance 2021-01-16T13:51:00Z

Whole life insurance lasts forever and can help you build wealth, but it's expensive

Whole life insurance is more expensive than term life insurance, but there are some advantages, such as cash value you can borrow against.
Personal Finance 2021-01-16T13:17:00Z

My husband and I use a 2-part strategy to handle raises and bonuses, and it's making all the difference in our retirement savings

Instead of spending bonuses or letting their cost of living rise when they get raises, they've kept their expenses low and saved anything extra.
Personal Finance 2021-01-16T11:00:00Z
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Today's best mortgage and refinance rates: Saturday, January 16, 2021

Some of today's mortgage rates are up, while others are down. Mortgage and refinance rates are still at historic lows overall, though.
Personal Finance 2021-01-15T22:06:10Z
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Best tax software 2021: TurboTax, H&R Block, and more

To find the best tax software, we reviewed 10 online tax preparers, including TurboTax, H&R Block, and TaxSlayer. Here's how they stack up.

The best offers from Insider Coupons

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Personal Finance 2021-01-15T18:11:10Z

The IRS has pushed the tax season start date back 2 weeks — here's when you can file

You can start preparing your tax return when you have your income documents, but the IRS won't start processing any returns until February 12.
Personal Finance 2021-01-15T18:03:34Z

IRS pushes the start of tax season back by 2 weeks, to February 12

The IRS announced on January 15 that tax season would start two weeks later than usual this year, on Friday, February 12.
Personal Finance 2021-01-15T17:57:03Z

An escrow account holds money toward your down payment or homeowner expenses, and it's managed by a third party

There are two types of escrow accounts, one for the homebuying process and one for paying taxes and insurance when you own the home.
Personal Finance 2021-01-15T16:14:32Z

Whenever I get a raise, bonus, or extra income, I spend it in 3 ways to build wealth for the future

Instead of substantially increasing her spending when she earns extra money, she pours it into investments, savings, and professional development.
Personal Finance 2021-01-15T15:10:41Z

Here's why you should always have credit card rewards set aside for emergencies — and how to build your stash in a hurry

Having a fund of credit card points and miles can be a lifesaver if you lose your job, move, or need to travel last-minute for a family emergency.
Personal Finance 2021-01-15T15:07:42Z

A 5/1 ARM is a mortgage that locks in your rate for the first 5 years, then changes it once per year

A 5/1 ARM keeps your rate the same for the first five years. Then you rate will increase or decrease once per year, depending on a variety of factors.
Personal Finance 2021-01-15T14:56:04Z

I'm a financial planner, and I always recommend life insurance to 4 types of people

At a minimum, life insurance, should cover your children, your spouse, and anyone with whom you've accumulated a significant amount of debt or equity
Personal Finance 2021-01-15T14:51:42Z

As an obsessive penny-pincher, I was thrilled to join my local Buy Nothing group — and it's already saved me hundreds of dollars

Buy Nothing groups have been sprouting up on Facebook for years now, and they're a great resource for cutting back your spending.
Personal Finance 2021-01-15T14:24:26Z

Life insurance jargon can be confusing — here's a list of the most common terms and their meanings

Life insurance terminology can be confusing. Here are definitions for the most common terms and phrases.
Personal Finance 2021-01-15T13:47:51Z

4 ways to spend your inheritance money to build wealth, according to financial experts

Investing your inheritance money in retirement and brokerage accounts is one way to build wealth for your future and make that cash last.
Personal Finance 2021-01-15T11:00:00Z

Today's best mortgage and refinance rates: Friday, January 15, 2021

Today's mortgage rates have gone down since last Friday, and rates have been trending downward in general. Rates should stay low for a long time.
Personal Finance 2021-01-15T04:54:37Z

Where to invest when interest rates are low — 6 fixed-rate vehicles that offer the best returns

When interest rates fall, income-seeking investors need new options. These six assets offer the best returns at varying degrees of risk.
Personal Finance 2021-01-15T00:01:50Z

Estate planning is an important strategy for arranging financial affairs and protecting heirs — here are 5 reasons why everyone needs an estate plan

An estate plan can benefit everyone, regardless of finances or age, assuming you have assets to leave. Here are five reasons planning is important.
Personal Finance 2021-01-14T22:30:36Z

Chase Offers can get you cash back with Starbucks, Turbo Tax, and Home Chef just for having a card — here are some of the best deals available now

Chase Offers are cash-back deals at restaurants and retailers for Chase cardholders. Here are some of the best ones available right now.
Personal Finance 2021-01-14T20:42:01Z

Why life insurance plays a key role in closing the racial wealth gap, according to a financial advisor

Life insurance can build wealth and leave a legacy for the Black community. Education and financial planners of color are key.
Personal Finance 2021-01-14T20:22:47Z

The best RV loans of 2021

The best RV loans in 2021 for low interest rates, flexibility, and availability are from LightStream, SunTrust, and Bank of the West.
Personal Finance 2021-01-14T20:15:10Z

The best fast personal loans for quick cash

Three lenders offer fast personal loans funded in the next business day, but the best one for you will depend on your credit score.
Personal Finance 2021-01-14T19:36:33Z

The best private student loans of 2021

The best private student loans for low interest rates and flexible repayment options are from online lenders Earnest, Ascent, SoFi, and College Ave.
Personal Finance 2021-01-14T19:00:38Z

I deleted 4 types of apps from my phone in 2020 and it helped me save over $1,000

Staring at her phone while stuck at home during the pandemic led to frivolous online shopping and huge credit card bills.
Personal Finance 2021-01-14T18:51:31Z

How to invest your $600 stimulus check if you don't need it right now

Investing is a great way to grow money over time, but you should only invest your second stimulus check if you don't absolutely need it at the moment.
Personal Finance 2021-01-14T18:40:10Z

I used to think extreme frugality would help me build wealth but it did the opposite, so I made 2 changes to my budget and now I'm saving more than ever

She was extremely frugal for years, to the point that she denied herself any fun. That led to extreme overspending — so she had to make a change.
Personal Finance 2021-01-14T18:21:23Z

What is adjusted gross income?

You can find your adjusted gross income, or AGI, on your latest tax return. It's used to determine eligibility for certain deductions and credits.
Personal Finance 2021-01-14T18:00:58Z

The best renters insurance of 2021

The best renters insurance companies in 2020 include State Farm, Lemonade, Erie, Allstate and Farmers.
Personal Finance 2021-01-14T16:47:56Z

When are quarterly taxes due? Here are the dates for 2021.

The due dates for quarterly taxes are the 15th of April, June, and September. The final payment is due January 15th of the following year.
Personal Finance 2021-01-14T15:38:32Z

5 quick things you can do today to protect and grow your hard-earned cash

In the latest issue of Personal Finance Insider: Five financial tasks to stave off stagnancy, and inspiring stories about home-buying and wealth.
Personal Finance 2021-01-14T15:22:57Z

Today's 15-year mortgage rates: Thursday, January 14, 2021

The 15-year fixed mortgage rates are lower than what you'll pay on longer terms — but your monthly payments will be higher.
Personal Finance 2021-01-14T15:19:25Z

Today's 30-year mortgage rates: Thursday, January 14, 2021

The 30-year mortgage rates are low, and you can secure a great rate with a big down payment, high credit score, and low debt-to-income ratio.
Personal Finance 2021-01-14T11:00:00Z

Today's best mortgage and refinance rates: Thursday, January 14, 2021

Today's mortgage and refinance rates are lower than they were last Thursday, so it might be a good day to lock in a mortgage rate.
Personal Finance 2021-01-14T03:53:10Z

A custodial account is a financial account that parents manage in their child's name — a tool to transfer and build wealth that can invest in almost any asset

A custodial account is an investment account that's in a child's name but managed by an adult. Used for transferring wealth, it's irrevocable.
Personal Finance 2021-01-13T22:24:29Z

The best personal loans of 2021

SoFi and Lightstream top the list for the best personal loans to get credit for anything, from debt consolidation to a remodel.
Personal Finance 2021-01-13T22:22:15Z

Amex Business Platinum card review: A huge bonus and top-notch benefits worth far more than the annual fee

The American Express Business Platinum offers an increased welcome bonus, lucrative statement credits, and travel perks for small-business owners.
Personal Finance 2021-01-13T22:18:32Z

If you're deciding whether to pay off your mortgage early or invest, it boils down to one thing: interest rates

If you have cash to spare and are considering whether to pay off your mortgage early or invest, look at the interest rates, says CFP Brian Fry.
Personal Finance 2021-01-13T22:16:14Z

Venmo review: Send money electronically and earn up to 3% cash back with its debit or credit card

The Venmo app lets you transfer money digitally, but you can also use it to set up direct deposits, receive your paycheck early, and earn cash back.
Personal Finance 2021-01-13T21:01:27Z

Should you pay off your mortgage early or invest? We did the math to find out which nets a greater return

Brian Fry, CFP, ran a simulation for a hypothetical homeowner weighing the decision to use extra income to pay off their mortgage early or invest.
Personal Finance 2021-01-13T20:52:27Z

I have $1.4 million of life insurance, and I'm happy to pay $70 a month to protect my family

When she started out-earning her husband as a freelance writer, her financial planner recommended life insurance to protect her income.
Personal Finance 2021-01-13T20:50:18Z

5 times you should consider meeting with a financial planner

Do I need a financial planner? You might, especially if you're considering making a life change like getting married or having a baby.
Personal Finance 2021-01-13T19:35:31Z

A conforming loan is a type of conventional mortgage that's limited to about $550,000 in most of the US

With a conforming loan, you can borrow up to $548,250 in most parts of the US, or up to $822,375 in more expensive parts of the country.
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