I write about personal finance, travel, and science. I specialize in credit, debt, and insurance topics but I enjoy writing in many other areas.
Does Paying Rent Affect Your Credit Score?
Landlords can check your credit when you apply for a rental, but they aren’t required to report your rent payments to the credit bureaus. In fact, your rent payments generally don’t impact your credit at all—unless you pay late.
However, you can use a rent reporting service to add your rent payments and other bills to your credit reports. These services often cost money, and they’re not always helpful—but they can make an important difference to your credit by helping you establish a consistent payment history. We’ll walk you through how these services work and how to use them to get the most
Types of Bank Accounts
If money is a tool you use to get what you want and need, then a bank is like your tool chest. And just like any good tool chest, it’s best to have compartments to sort your tools for different purposes. That’s what the four main types of bank accounts provide. They are:
Checking accounts
Savings accounts
Money market accounts (MMAs)
Certificate of deposit (CD) accounts
Banks offer many other benefits too, like safety and security, and even help you earn a little bit of extra cash in the form of interest. We’ll go over each of the four main types of bank accounts and how they work so you can
Navy Federal Credit Union Mortgage Review for 2024
Navy Federal Credit Union aims to help active-duty military members and veterans buy homes. It offers financial tools and resources to help members become homeowners, including banking accounts for everyday life and education on how to save more.
Its different mortgage options with special features can help many people get into the home of their dreams when they’d otherwise have to wait. For example, members who cannot qualify for a VA loan may qualify for other loan options modeled after the program but without all the extra requirements.
Business CD: What It Is and How It Works
Definition
A business certificate of deposit (CD) is a type of term savings account. Business CDs work the same as any CD you might open with your personal money: You choose the term length, make an opening deposit, and leave your money in the account until the term ends. In return, you get access to a higher interest rate than you can typically get with a regular business savings account.
What Is a Business CD?
A business certificate of deposit (CD) is a type of term savings account. Busines...
How to Check Your Business Credit Score
Your business credit score is every bit as important as your personal credit score when it comes to qualifying for business financing. Yet small business owners often find it hard to figure out how to check their business credit score—and, indeed, how business credit even works in the first place.
Business credit is very different from your personal credit. There are many different credit bureaus creating business credit scores, and each one offers several types. Furthermore, you generally ha...
Business Checking Accounts: What They Are and How They Work
Definition
A business checking account lets you conduct day-to-day business transactions, such as accepting credit card payments from customers, paying invoices and bills, and transferring money into a business savings account.
What Is a Business Checking Account?
A business checking account lets you conduct day-to-day business transactions, such as accepting credit card payments from customers, paying invoices and bills, and transferring money into a business savings account.
It serves the s...
Best VA Loan Lenders for 2024
Veterans United ranks as our choice for the best VA loan lender due to the sheer number of VA loans it underwrites and its strong customer service track record, despite a few downsides. Borrowers can also expect lower rates than most other lenders, increasing their buying power.
The VA loan industry is full of disreputable lenders due to the program's popularity among borrowers and the potential for high lender payouts. We researched the reputations of these lenders to check whether their reliability matched their claims.
Credit Card Networks: What They Are and How They Work
Credit card networks provide the infrastructure for customers to make purchases from merchants. They allow financial institutions to talk to each other, approve transactions, and—ultimately—hand over the money. If the bank accounts of a business and a customer are like individual countries, then a credit card network is like the international shipping company that goes between the two.
Credit card networks—along with the other moving parts in card-based transactions—help power many of the payments people make these days. They sometimes offer benefits to consumers, such as rental car...
Are High-Yield Checking Accounts Worth It?
If you’re a savvy saver, you know that a high-yield savings account can help propel you toward your savings goals. High-yield checking accounts are much tougher to find, however. Most banks don’t offer any interest at all on checking accounts, but some do—and a lot of it.
High-yield checking accounts can sometimes offer just as much interest as high-yield savings accounts, but they usually come with more requirements. For example, you might need to make a certain number of debit transactions each month to qualify for the high rate. Many people don’t find these requirements worth the hassle,
Cheap SR-22 Insurance in Georgia (2024)
If you want to reinstate your Georgia driver’s license after a traffic violation or conviction, you may need to file an SR-22 with the state. Filing an SR-22 isn’t expensive, but the conviction that leads to one may raise your car insurance rates, which is why it’s important to research insurers that offer SR-22s and find one with the lowest rates. On average, SR-22 insurance in Georgia costs $318 a month — 27% more than the state average of $250.
Cost of Owning a Siberian Husky (2024): Purchase, Vet Bills, and More
The initial purchase price of a Siberian husky can vary greatly based on many factors, including whether you adopt an adult dog from a shelter or buy a new purebred husky puppy from a reputable breeder. Siberian huskies are a popular dog breed, coming in as the 24th-most popular dog breed in the U.S. in 2023, according to the American Kennel Club (AKC).[1]
Here’s what you need to know about how much these beautiful, goofy, and enigmatic dogs cost so you can form a solid financial plan for you...
22 Questions to Ask About Homeowners Insurance
The average home insurance policy costs $2,191 per year in 2024 for a standard policy with $400,000 in dwelling coverage, according to Insurify data. Given the high price tag, it’s important to know how your policy works and to have adequate protection in case you ever need to file a claim.
The best way to do this is to ask your insurance agent the right questions, but not everyone knows exactly what to ask.
Here are the best questions to use as conversation starters with your agent so you ca...
Cost of Owning a Belgian Malinois (2024): Purchase, Vet Bills, and More
Belgian Malinois are the 33rd most popular dog breed in the U.S. according to the American Kennel Club (AKC), and it’s easy to understand why.[1] Thanks to movies like Dog, with Channing Tatum, people got to see how loving and loyal these dogs can be. They also got to see how destructive and high-strung the breed can be. But with the right active and experienced family, they can really shine.
A Belgian Malinois typically costs between $500 and $9,000, depending on whether you’re adopting an o...
Cost of Owning a Shih Tzu (2024): Purchase, Vet Bills, and More
Shih Tzus are one of the most popular dog breeds in the U.S., ranking 20th according to the American Kennel Club (AKC).[1] The cost of a Shih Tzu ranges widely — from $200 to $2,400 — depending on whether you buy a show dog from champion lines or adopt a mixed breed from an animal shelter.[2] And your costs don’t stop there. Once you purchase your dog, you’ll have ongoing food, care, and pet insurance to think about.
These little dogs have been popular family companions in Asia for centuries,...
Mile Auto Insurance: User Reviews and Quotes (2024)
Founded in 2019, Mile Auto is a relatively new insurer in the increasingly popular pay-per-mile insurance market. It offers an attractive proposition: If you drive fewer than 10,000 miles per year, the company says you could save up to 40% off your current car insurance rates with its coverage.
But Mile Auto comes with some downsides. It’s only available in a few U.S. states, it doesn’t offer any discounts, and customer reviews are poor.