banking
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Emergency Loans: Understanding Your Options & Accessing Funds
The Federal Reserve System’s Report on the Economic Well-Being of U.S. Households in 2020 states that 35% of adults wouldn’t have cash, savings, or a credit card (that would be paid off at the next st
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Personal Line of Credit (PLOC): Benefits, Drawbacks & How It Works
Taking out a personal loan or personal line of credit (PLOC) was once a last resort for individuals facing financial hardships. Today, the use of personal loans and lines of credit is rapidly increasi
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Crypto Savings Accounts: Risks, Rewards & What You Need to Know
Cryptocurrency continues to make waves in the financial world, and many consumers already own or are thinking about investing in these digital coins. If you fall into one of these two categories, then
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Liquid Assets: Definition, Importance & Examples | [Your Brand Name]
Having ready access to cash is a huge component of one’s financial health. Cash and cash equivalents offer a level of financial flexibility that’s important for both individuals and businesses. So liq
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Federal vs. Private Student Loans: Understanding Your Options
There’s no doubt that paying for college can be really stressful. Tuition, room and board, books, and transportation can all start to add up fast. A college education is an investment in your future,
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Understanding Federal Interest Rate Hikes: What You Need to Know
The central bank of the U.S., also known as the Federal Reserve, is responsible for maintaining economic and financial stability. It’s a complex institution, and it has a huge influence on your wallet
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Safety Deposit Boxes: Protecting Your Valuables - A Comprehensive Guide
We all have valuables that we’d like to keep safe. For some, it might be a pair of earrings passed down from generation to generation, or for others, a one-of-a-kind set of baseball cards. Wheth
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Credit Cards: How Many Do You Need? Benefits & Risks
There are many reasons to open a credit card. Credit cards can be used for emergencies or urgent purchases when you don’t have the cash in your account. They’re also a great way to build your credit —
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Personal Loans: A Comprehensive Guide to Understanding and Applying
When you need money–whether it’s to consolidate debts, pay for an emergency, or get caught up on everyday bills–a personal loan is one option you might consider. Personal loans are j
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Understanding 401(k) Matching: A Guide for Employees
Most employers offer their employees the opportunity to contribute to a 401(k) to grow their money for post-retirement use. A 401(k) is the standard employer-sponsored retirement plan used by for-prof
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Medical Expense Tax Deduction: What You Need to Know
Medical bills and health insurance can quickly add up and put a serious dent in your finances. Luckily, you can alleviate some of those losses when you get a tax deduction for your medical expenses.In
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Authorized User Credit Card: How It Works & Benefits
When it comes to building and establishing credit, we all have to start somewhere. But when you are just beginning your credit journey, getting your foot in the door can be an upward battle. Luckily,
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Understanding Wage Garnishment: Rights & Options
Financial stress and anxiety are plaguing a large portion of the population — and they have been, even pre-pandemic — with debt being a leading cause of these financial burdens. No matter how hard you
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Credit Card Application: A Clear, Step-by-Step Guide to Approval
We hear credit horror stories all the time. These tales of debt and financial distress are enough to dissuade anyone from ever wanting to open a credit card, but the truth of the matter is credit is a
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Understanding the Drawbacks of Bankruptcy: What You Need to Know
According to the Administrative Office of the U.S. Courts, over half a million bankruptcies were filed in 2020. Many individuals and businesses file for bankruptcy in order to get relief from their di
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Understanding Savings Bonds: A Comprehensive Guide
You may have received a savings bond from your grandma as a gift when you were a kid. You might now be wondering, how do these bonds work, are they worth any money today, and if so, how do I cash them
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Virtual Credit Cards: A Comprehensive Guide to Security & Usage
There’s no denying that technology continues to influence our lives in a myriad of ways. Our day-to-day activities are now heavily dominated by online and digital services that allow us to work, do bu
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Understanding Delinquent Accounts: Causes & Prevention
If you’ve never gotten a call from a debt collector asking about your past due payments, consider yourself lucky. Since the start of 2021, the total amount of U.S. household debt has been on the rise
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Health Savings Accounts (HSAs): A Comprehensive Guide for 2024
The 2022 Open Enrollment Period (OEP) is steadily underway, which means now is the time to start thinking about any changes you might want to make to your health coverage plan. While going through you
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Opening a Checking Account: A Comprehensive Guide
For many of us, the first step toward financial independence is opening a bank account. Both a checking account and a savings account will give you a safe place to store and manage your money. But a c
banking
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Model Audit: Ensuring Accuracy and Reliability in Financial ModelsA model audit is an important task in financial auditing that helps ensure that spreadsheet errors are eliminated. Also called a model review, it is commonly requested by banking organizationsTop Bank...
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Goodwill to Assets Ratio: Definition & AnalysisThe goodwill to assets ratio measures the amount of goodwill a company has recorded on its books compared to its total assetsTypes of AssetsCommon types of assets include current, non-current, ph...
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Discover Bank Eliminates All Fees: A Major Benefit for CustomersYou might be surprised by what is now free for the banks account holders.Image source: ...
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Bitcoin Futures: Did They Stabilize or Disrupt the Market?What Effect Did Futures Have on Bitcoin? In some ways I’d argue that Bitcoin futures brought stability to crypto, as some said they would. However, they did it in a backhanded way that caus...