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Ben Luthi

Ben Luthi is a personal finance writer and a credit cards expert who loves helping consumers and business owners make better financial decisions. His work has been featured in Time, MarketWatch, Yahoo! Finance, U.S. News & World Report, CNBC, Success Magazine, USA Today, The Huffington Post and many more.

articles from Ben

119 posts

Baby Life Insurance: Do Newborns Need a Policy?

Published 07/17/2019 by Ben Luthi

Having a baby is one of those milestones in life where parents should start considering life insurance. But do you need life insurance for your baby?

Getting a personal loan application denied can feel like an insult, but don’t take it personally. Lenders use credit and income information, as well as other factors, to determine how likely you are to repay the loan.

This is an in-depth review of the Upromise Mastercard. See if this card is right for you and your family.

How to Respond to IRS Letter 226J

Published 12/17/2018 by Ben Luthi

Are you a business owner that the IRS considers an applicable large employer? If so, you’re required to provide your full-time employees with an opportunity to enroll in a health insurance plan with at least the minimum essential coverage. If you don’t meet the IRS’s requirements, however, you may receive IRS Letter 226J and be on the hook for what’s called an employer shared responsibility payment.

Best Holiday Loans for Bad Credit of 2024

Published 11/15/2018 by Ben Luthi

Borrowing money for the holidays is never ideal, but sometimes life happens, and you run out of options. So, if you’re considering a holiday loan, it’s important to be smart about it. Try to avoid short-term loans with high interest rates, such as payday loans and cash advances.

In partnership with Experian and fintech company Finicity, FICO recently announced a new credit scoring model called the UltraFICO Score.

How do Speeding Tickets Affect Insurance Rates?

Published 10/31/2018 by Ben Luthi

People sometimes do irrational things when there’s a police car behind them. They’ll slow down well below the speed limit and overthink every single move they make. There’s a reason for that fear, though.

Have you ever wanted to align your investment portfolio with your fundamental values? If so, it’s easier now more than ever. Some investment companies are making socially responsible investing a popular way for people to find companies that match their values without sacrificing a diversified portfolio.

If you have bad credit or you’re looking to get your first credit account, a credit card can help you establish a great credit score. But getting a credit card isn’t always wise or possible.

Whether you want to send money to a friend sitting next to you or a family member halfway around the world, you have options. There’s a wide selection of money transfer services from which you can choose. Not all are created equal, though, which can make it difficult to know which one is best for you.

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