One three-digit number can have a major impact on your life. No, I’m not talking about your weight, nor am I talking about your cholesterol or blood sugar levels. I’m talking about your credit score. If you want to get a loan, whether it’s a credit card or a mortgage, your lender is likely to calculate your credit score and ...

This year has seen a huge shift in white-collar work away from the office and into the home. According to a Gallup poll, the average number of workdays Americans worked remotely per month has more than doubled, from 5.8 in the fall of 2019 to 11.9 in summer 2020. Many are discussing whether or not this could be a permanent ...

Some people just aren’t cut out for early retirement. IMO, most people would choose to keep working even after they achieve financial independence. Early retirement is unconventional and scary. Why retire if things are going well? Let’s take a look at my friend for example. Jane worked hard for many years. She saved and invested since she was young and ...

For today’s working folks, retirement planning looks much different from how it did for their parents and grandparents. Social Security benefits are likely to cover only a fraction of retirement needs, and unlike in decades prior, making up that shortfall is left to the individual. This change is driven by a shift in the type of retirement plans now offered ...

Now that Joe Biden has been elected president, there’s going to be a lot of unhappy people who want to leave this country. Therefore, may I present the best life hack for Americans: taking advantage of Canada. I’m always looking for arbitrage opportunities to help readers make more money and live better lives. My favorite money-making arbitrage opportunity for the ...

Wise Bread Picks Join our Tweetchat this Thursday at 12:00 p.m. Pacific/ 3p.m. Eastern for lively conversation and a chance to win one of two $50 Amazon gift cards! Use #WBChat and #TayneYourDebt to participate. This week’s topic: Spring Cleaning Your Finances! Learn about updating your budget, improving your credit score, organizing your bank accounts and more. Tell us if ...

If, like many, you graduated college with some student loan debt, you may be concerned about paying it off as quickly as possible. If you can manage your monthly payment and have excellent credit, refinancing your student loans may be a viable way to do it. Student loan refinancing is the process of exchanging your old student loan for a new ...

Tired of debt collectors’ harassing calls? Their newest tactics could involve pestering you through texts and emails — maybe even on Facebook. The Consumer Financial Protection Bureau issued a final rule to update to the Fair Debt Collection Practices Act (FDCPA). The good news: Collectors will be limited to calling you seven times a week per debt. The bad news: ...

In the debate between real estate or stocks as a way to get rich and live happily ever after, I failed to emphasize one critical point. The value of real estate goes way up once you have children. The more children you have, the higher the value of your real estate goes. After scanning more than 200 hundred comments that ...

When we built our home in 2004, we paid attention to the details we thought were important at the time. We found a floor plan we liked with the right number of bedrooms and an ample sized kitchen on a lot adjacent to a park. Unfortunately, we didn’t think a lot about how our needs would change over time. A ...

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