Two people reviewing financial statements on opposite sides of a table

Article Summary: Both checking and savings accounts are considered assets as they both hold financial value. The same goes for any bank account you hold at a financial institution. Cash is an asset, whether it’s in your pocket, under the mattress, or in a checking or savings account. It’s important to keep a close eye […]

Company owner introducing a new employee to the rest of the company

Article Summary: An H-1B visa is a nonimmigrant work visa that allows U.S. companies to hire foreign workers and gives those employees the temporary legal right to live in the United States for a specified period of time. Because H-1B visa holders are new to the country, it can be difficult to get approved for […]

A young woman holding cash and a credit card

Article Summary: It’s impossible to put an exact number on how much interest one million dollars earn per year. It depends largely on how you choose to save or invest the money and the type of returns you can reasonably expect to receive. This is all based, of course, on the different interest rates you […]

Young woman in scrubs leaning over and smiling at a dog

Article Summary Most pet insurance companies do not cover the cost of spaying or neutering your pets. However, some pet insurance companies offer wellness plans to add to your insurance policy, which might help cover all or some of the costs of surgery for spaying and neutering. Most pet parents will agree that having a […]

Young woman shaking a man's hand, both dressed in professional clothing

Article Summary Golden handcuffs refer to benefits awarded to valued workers, either for recruiting purposes or to encourage employees to stay with the company. These are not your average benefits. Golden handcuffs are usually awarded to highly compensated employees and can include big financial incentives such as annual bonuses, stock options, company cars, or vacation […]

A seller or agent's hand places new home keys into the hands of a buyer

Article Summary: The worst day to close on a house is a Friday. If there is some kind of problem with your closing, it may have to get moved to the following week, which could be a huge hassle. It might also be expensive if you’ve already scheduled movers, for example. Monday is also not […]

Woman signing purchase documents for a house with a model home and calculator on the table and a real estate agent handing house keys

Article Summary: In the housing market, a lowball offer is a phrase used to describe a buyer making an offer on a home that is significantly lower than the asking price. For some sellers, lowball offers can be construed as a bit of an insult; others consider it a way to jumpstart negotiations. Before you […]

Woman interviewing man for job

Article Summary: For the most part, the term “white-collar job” is used to describe occupations where workers sit at a desk and use a computer. Office environment jobs such as accounting, marketing, and banking would be included under this umbrella. Blue-collar positions, usually considered the “working class,” often include some type of manual labor, such […]

Two sacks with dollar signs opposite house model on scale

Article Summary: Using the equity you’ve built in your home can be a great way to finance major expenses in your life, such as home improvements. Two ways to leverage that equity are to take out a home equity loan or to get a cash-out refinance. A home equity loan is basically a second mortgage […]

video game tournament

Article Summary: There are a couple of ways to invest in Roblox stock, which is traded on the New York Stock Exchange (NYSE: RBLX). You can either buy Roblox stock directly or invest in mutual funds or exchange-traded funds (ETFs) that include Roblox and other firms in the tech or gaming sector as part of […]

bitcoins on chess board

How To Invest In Web3

Article Summary: While much of the Web3 concept is theoretical, big strides have been made towards it being a reality. This gives eager investors a few options to make a direct investment in what many say will become Web 3.0. The technologies are newer and still under development, making some of your investment options riskier […]

Wooden house model sitting on top of a stack of money with a pen and calculator in the background

Article Summary: A home equity line of credit (HELOC) will appear on your credit report just like any other kind of loan or line of credit. Because of this, a HELOC will affect your credit score. Whether this effect is good or bad mainly depends on how you manage your credit line. There are plenty […]

Stock price analysis charts on laptop and phone

How to Invest in SpaceX

Article Summary: Because SpaceX is still a private company, regular investors can’t easily invest in SpaceX stock. However, if you meet certain requirements, such as being an accredited investor, you might be able to purchase private shares from one of SpaceX’s original investors. Otherwise, there are a couple of ways to indirectly invest in SpaceX […]

Increasingly large stacks of coins leading to a small house model with a hand above above to place a coin into the house

Article Summary: If you’re in the market for an investment property, you might want to consider an Airbnb rental over more traditional rental properties. While there might be a bit more work and upfront expenses involved in being an Airbnb host, you could potentially make more in rental income with short-term rentals than you would […]

Person typing on a keyboard with one hand and holding a credit card in the other hand

Article Summary: Most brokerage firms won’t accept credit cards to fund stock market purchases, although there are a few ways around that. However, just because you can use your credit card to finance your investment doesn’t mean it’s a great idea. On the other hand, there are a couple of ways to leverage your credit […]

Partially gloved hands holding a driver's license

Article Summary: If your driver’s license was lost or stolen, first contact the DMV to report your missing license. Since a lost driver’s license could provide a gateway for hackers to discover more of your personal information, you’ll also want to monitor your bank accounts and credit report for any loans or withdrawals you didn’t […]

Speedboat driving across open water

How Much is Boat Insurance?

Article Summary: Boat insurance costs vary considerably, depending on the insurance company and the region of the country you live in. Many other factors come into play as well, such as the size and speed of the boat, and how old it is. These and other matters will help determine the best boat insurance coverage […]

A man typing on a keyboard while holding a credit card in his other hand

Article Summary: Changing the name on your credit cards is no big deal, but because each credit card issuer has a different process for making the name change, it can take some time. Plus, the whole name change process in general can be somewhat lengthy. For instance, you probably won’t be allowed to change the […]

Woman holding a credit card and coffee cup looking at a laptop

What is a Reference Number?

Article Summary: A reference number is a unique set of numbers and/or letters assigned to a transaction. Reference numbers are used by financial institutions for all types of services, such as credit or debit transactions and wire transfers. This number may also be referred to as a confirmation number — such as for travel arrangements […]

Hand holding a pen about to right on a check

Article Summary: As long as the credit union or bank’s routing number and account number on your check are current, you can still use a check with an old address. Current address information is not as important as current checking account information, which is what financial institutions use to process checks. Occasionally a payee may […]