If you’ve ever carried an insurance policy, you’ve paid an insurance premium, either out of your own pocket or through your employer. That recurring premium is the price you pay to keep your policy in effect. In insurance sectors familiar to many Americans, it’s common practice for insurers to recalculate premiums each year. The out-of-pocket cost of your auto insurance policy, ...

The silver bells of the holiday season certainly take their toll on your wallet. In a November 2019 Gallup poll, Americans said they expected to spend an average of $942 on holiday gifts. A record-breaking 37% of respondents said they would spend $1,000 or more. And the spending doesn’t stop with gifts. The holidays come with a host of other ...

Like most cliches, the “starving student” trope contains a grain of truth. Far too many students face serious financial constraints that necessitate stark choices between picking up an extra shift at their night job or studying as much as they need to for tomorrow’s exam. Even those with a little more financial breathing room are more apt to live simply ...

Every small-business owner knows the open secret about business banking: It’s just not as owner-friendly as consumer banking. There’s a reason our roundup of the best online banks has few truly free business checking accounts — accounts with no monthly maintenance fees (and thus no overly burdensome monthly service fee waiver requirements) or monthly transaction limits. Unfortunately, monthly maintenance fees ...

According to data from the National Retail Federation, the average American consumer spent $659 on holiday gifts in 2019. That’s approximately 2% of the U.S. median personal income, according to data from the Federal Reserve Bank of St. Louis — no small chunk of change. For most Americans, completely doing away with the annual holiday gift-giving ritual simply isn’t realistic. At ...

Do you remember your first bank account? I’ll admit, my recollection is hazy. I probably wasn’t older than 10 or 11, and I didn’t do much with the account for the first few years of its existence. I deposited a handful of birthday and holiday gifts each year, and that was about it. A few years later, when I began ...

Unfortunately for small-business owners, solopreneurs, and freelancers, most of the best bank account promotions on the market right now cater exclusively to consumers. Indeed, many of the United States’ best online banks seem to favor personal account holders rather than business owners and their lieutenants. But not all banks give business owners short shrift. You just need to know where to look ...

Data from LIMRA’s 2018 Insurance Barometer finds that roughly 3 in 5 American households have some form of life insurance. In other words, there’s a good chance you have — at minimum — a term life insurance policy and therefore have some experience choosing a life insurance policy that fits your financial needs and life goals. It’s far less likely you have experience ...

Paying bail to get out of jail may seem like a simple concept. The idea is that if someone gets arrested, someone else can pay money and the jailed person goes free. And while that is the essential idea behind bail, there is more that goes into the process. Often, people who have not gone through the criminal justice system are confronted ...

It’s possible to make $100s just by opening up a bank account. But sorting through the best offers can be tricky. At Money Crashers, we comb through hundreds of deals every month to find you the most lucrative sign-up bonuses – some worth up to $1,000. We also rank the best high-yield checking accounts, cash back credit cards, and more. ...

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