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  • Financial Calculators
    • Auto Calculators
    • Mortgage Calculators
    • Home Equity Calculators
    • Savings Calculators
    • Retirement Calculators
    • Debt Calculators
    • Budget Calculators
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  • Financial Advice
    • Credit and Debt
      • Credit
        • About Those Interest-Free Offers
        • Alternatives to Pay Day Lenders
        • Are Credit Card Balance Transfers Worth It?
        • Are Credit Repair Services Worth It?
        • Boosting Your FICO Score
        • Building a Credit History
        • Building a Credit History
        • Building a Credit Reputation
        • Calculating Annual Percentage Rates
        • Canceling a Credit Card
        • Choosing a Credit Card
        • Closing Down a Credit Card Account
        • Comparing Credit Cards
        • Consumer Reporting Agencies
        • Cosigning a Loan
        • Credit Card Industry Laws
        • Credit Repair Scams
        • Credit-Building Loans
        • Dealing with Rising Credit Card Interest Rates
        • Evaluating Credit Card Reward Programs
        • Evaluating Credit Card Reward Programs
        • Fee-Based vs No-Fee Credit Cards
        • Good Reasons to Borrow Money
        • How Credit Card Utilization Impacts Your Credit Score
        • How Credit Cards Work
        • How Lenders Evaluate Borrowers
        • How Loan Amortization Works
        • How Many Credit Cards Should You Have?
        • How is a Credit Report Used?
        • Important Credit Card Terms
        • Keeping Track of Your Credit Score
        • Living a 'Credit-Free' Life
        • Loan Basics
        • Lower Your Credit Card Rate
        • Maintaining Good Credit
        • Maximize Your Credit Card Rewards
        • Maximizing Credit Card Rewards
        • Repairing Your Credit
        • Secured vs. Unsecured Loans
        • Should You Transfer Account Balances?
        • Smart Purchases to Make on Credit
        • The Fair Credit Reporting Act
        • The Ins and Outs of Your Credit Score
        • The Pros and Cons of Retail Credit
        • The True Cost of Buying on Credit
        • Travel Reward Programs
        • Understanding Car Leases
        • Understanding Credit Card Interest
        • Understanding Your Credit Report
        • Using Credit Cards Responsibly
        • Watch Out for Payday Loans
        • What Do You Know About Credit?
        • What Is a Credit Reference?
        • What Makes My Credit Score Go Up and Down?
        • What Your Credit Score Means
        • Why Your Credit Utilization Ratio Matters
        • Your Annual Credit Report Review
      • Major Purchases
        • Budgeting For Your Big Day
        • Buying Your First Electric Car
        • Buying an Engagement Ring
        • Buying or Leasing a Vehicle
        • Calculate a Loan Payment
        • Calculate a Vehicle Payment
        • Compare Monthly Payment by Term
        • Compare Two Vehicle Loans
        • Electric Vehicle Tax Credit Requirements
        • Financing a Home Solar Project
        • Financing a Major Purchase
        • Getting Ready to Borrow
        • How Rooftop Solar and Net Metering Work
        • Low Rate or Cash Back?
        • Making a Major Purchase
        • Maximize Your Car's Trade-In Value
        • Purchase or Lease a Vehicle
        • Purchasing a Vehicle
        • Reading a Car Window Sticker
        • Selling Your Car
        • Shopping for Home Appliances
        • The Best Time to Buy
        • The Cost of Borrowing
        • Understanding Car Subscription Services
        • Understanding Interest on Loans
        • Using Home Equity for a Major Purchase
        • Vehicle Affordability by Loan Term
        • What it Means to Borrow Money
      • Debt
        • Accelerating Repayment on a Loan
        • Add to Your Monthly Payment and Save Money
        • After You've Paid Off Your Credit Cards
        • Avoiding the Minimum Payment Trap
        • Can Credit Counseling Help?
        • Consolidating Debt with Home Equity
        • Consolidating Your Debt
        • Consumer Protection Laws and Medical Debt
        • Cures for a Debt Hangover
        • Dealing with Credit Score Fallout
        • Dealing with Large Medical Bills
        • Dealing with a Spouse’s Credit Issues
        • Debt Consolidation
        • Debt Payoff Strategies
        • Debt Ratios and Debt Loads
        • Debt Terminology
        • Good Debt, Bad Debt
        • How Long Will It Take to Pay Off a Credit Card?
        • If You Can't Repay Your Loan
        • Increase Your Monthly Payment
        • Look Closely at Debt Consolidation Offers
        • Make Bi-Weekly Payments
        • Making Minimum Payments
        • Making Only Minimum Payments
        • Managing Debt
        • Meet a Debt Payoff Goal
        • Paying Off Debts with the Snowball Strategy
        • Prioritizing Your Loans for Quicker Payback
        • Protect Yourself from Predatory Lenders
        • Refinancing an Auto Loan
        • Save or Pay Off Debt?
        • The Avalanche Debt Repayment Method
        • The Avalanche Debt Repayment Method
        • The Debt Snowball Method
        • The Difference Between Debt and Credit
        • The Fair Debt Collection Practices Act
        • The Life Cycle of Debt
        • The Pros and Cons of Loan Protection Insurance
        • Understanding Your Debt
        • Use a Lump Sum to Pay Down Debt
        • Use a Side Hustle to Pay Off Debt
        • What Happens When You Don't Repay Your Debts
        • What Happens to Your Debt When You Die?
        • Your Debt Collection Rights
    • Money Management
      • Banking
        • A Financial To-Do List When You Move
        • Accessing Financial Services as an Immigrant
        • Are Paper Checks Still Relevant?
        • Automating Your Finances
        • Avoiding Non-Sufficient Fund and Overdraft Fees
        • Balance Your Checking Account
        • Balancing a Checking Account
        • Banking Basics
        • Check-Cashing Services
        • Closing a Bank Account
        • Debit or Credit Card?
        • Digital and Mobile Wallet Basics
        • Exchange Rate Basics
        • Financial Basics for Service Members
        • Finding the Right Checking Account
        • Getting Organized for Bill Payment
        • Going Cashless
        • Going Green With Your Finances
        • How Safe is Your Money?
        • How the Federal Reserve Controls Interest Rates
        • Introduction to Online Billpay
        • Money Transfer Options
        • Opening an Account
        • Paying Your Bills
        • Peer-to-Peer Payment Tools
        • Private Banking Basics
        • Putting Money in a Certificate of Deposit (CD) Account
        • Safe Practices for Mobile Banking
        • Selecting the Products That Are Right for You
        • The Basics of Mobile Payments
        • The Benefits of Online Banking
        • The Benefits of Prepaid Cards
        • The Pros and Cons of Cash Advances
        • Using a Checking Account
        • Using a Debit Card
        • Using a Savings Account
        • Watch for Gift Card Scams
        • What Are Tiered-Rate Accounts?
        • What Do You Need in Your Wallet?
        • What Is Decentralized Finance (DeFi)?
        • What Is Open Banking?
        • What Is a Cash Management Account?
        • What is a Cryptocurrency?
        • What is a Demand Deposit?
      • Budgeting
        • 25 (Almost) Pain-Free Budget Cuts You Can Make
        • AI-Powered Budgeting Tools
        • Are There Leaks in Your Finances?
        • Budgeting Basics
        • Budgeting on Irregular Income
        • Buy Now, Pay Later Apps
        • Calculating Your Disposable Income
        • Challenge Your Budget Cutting Skills
        • Discretionary Income vs. Disposable Income
        • Don’t Let the Holidays Bust Your Budget
        • Getting By on a Minimum Wage Job
        • Having a Plan
        • Household Cash Flow Tracker
        • How Much Am I Spending?
        • Level-Pay Utility Plans
        • Measuring the Cost of Living
        • Monthly Credit Card Management
        • New Year? New Budget Resolution
        • Popular Budgeting Methods
        • Putting Together Your Budget
        • Reducing Food Waste at Home
        • Ridesharing Basics
        • Roommate Finance Management
        • Save, Share, or Spend
        • Smart Ways to Spend Your Tax Refund
        • Starting a Budget
        • Staying Frugal without Becoming Cheap
        • The 50/30/20 Budget Rule
        • The Benefits of Personal Financial Management Tools
        • The Minimalist Model
        • The No Spend Challenge
        • The Zero-Based Budgeting Method
        • Try the Envelope Budgeting Method
        • Understanding Your Income and Expenses
        • Understanding a Shoestring Budget
        • Using Budgeting Apps
        • What to Do With a Financial Windfall
        • Why Budgets Fail
        • Why Do Budgets Fail?
        • Your Budget and Higher Food Prices
      • Building Wealth
        • Assessing Your Tolerance for Risk
        • Calculate Your Net Worth
        • Diversifying While Investing
        • Do You Need a Financial Advisor?
        • Investing for Your Goals
        • Investing in ETFs (Exchange-Traded Funds)
        • Investing in Stocks
        • Researching Investments
        • Save to be a Millionaire
        • The Benefits of Asset Building
        • The Benefits of Compounding
        • Understanding Real Estate Investment Trusts (REITs)
        • Watching Your Money Grow
        • What Does It Mean to Invest?
        • What Is an Asset
        • What is a Mutual Fund?
      • Saving
        • Becoming a One-Car Family
        • Budgeting a Savings Plan
        • Building a Rainy Day Savings Fund
        • Building an Emergency Fund One Step at a Time
        • Bump-Up CDs vs. Step-Up CDs
        • Calculate Your Savings at Maturity
        • Compare Two CDs
        • Creating a Savings Mindset
        • Determining Your Savings Need
        • Finding Affordable Travel Options
        • Finding Money to Save
        • Get S.M.A.R.T.
        • How Christmas Clubs Get You Ready for Christmas
        • How a Smart Home Can Save You Money
        • Is it Time to Use CDs for Investing Again?
        • Keep Your Winter Energy Bills Under Control
        • Laddering Strategies for CDs
        • Little Cuts to Save You Money
        • Performing a Home Energy Audit
        • Preparing Holiday Meals on a Budget
        • Protecting Your Savings From Inflation
        • Repair or Replace it?
        • Save Towards a Goal
        • Save for a Rainy Day
        • Saving Money When You Join a Gym
        • Saving Money
        • Saving for a Rainy Day
        • Saving if You're Underbanked
        • The Difference Between Spending Less and Saving Money
        • The Impact of Saving More
        • The Wonders of Compound Interest
        • Types of Savings Goals
        • U.S. Savings Bonds
        • Understanding Micro Savings
        • Understanding Your Savings Options
        • Understanding the Savings Deposit Program (SDP)
        • Upcycling Basic Household Items
        • Use Direct Deposit to Build Savings
        • Using a Sinking Fund to Save
        • Watching Your Money Grow
        • What Is an ABLE Account?
        • What Is an Add-On CD?
        • What Will My Savings Be Worth?
        • What are You Saving For?
        • What to Do With a Lump Sum of Money
      • Spending
        • Are Clothing Subscription Boxes Worth It?
        • Are Food Delivery Services Right for Me?
        • Are You Eating Away At Your Paycheck?
        • Are You Maximizing Your 'Cash Back'?
        • Are You Under the Influence?
        • Avoid These Car Leasing Mistakes
        • Categorizing and Tracking Your Expenses
        • Comparing Products Online
        • Curing Bad Overspending Habits
        • Cutting the Cable and Saving Money
        • Dealing With High Gas Prices
        • Dealing with Dynamic Pricing
        • Do Grocery Delivery Subscriptions Make Sense?
        • Don't Let Coupons Make You Spend More
        • Don't Let DIY Projects Empty Your Wallet
        • Extended Warranties & Service Contracts
        • Find the Best Christmas Shopping Deals
        • Finding Online Coupons
        • Gas Mileage Savings with a Fuel Efficient Vehicle
        • Getting Out of a Car Lease
        • Grocery Shopping Tips for Singles
        • How Inflation Impacts Your Finances
        • How Overspending Can Derail a Budget
        • How Peer Pressure Can Destroy Your Finances
        • Hybrid, Electric or Gas?
        • Is Your Mobile Phone Bill Out of Control?
        • Leading a Car-Free Life
        • Making Sustainable Food Choices
        • Prioritizing Expenses During High Inflation
        • Reducing Your Spending
        • Saving Big by Buying Used
        • Saving Money While on Vacation
        • Saving on Back-to-School
        • Shopping Strategies for Holiday Deals
        • Solar Energy Options
        • Standards for Tipping
        • Taking a 'Staycation'
        • The Art of Splitting a Check
        • The Rising Costs of Streaming Services
        • Tracking Subscriptions: How to Help You Cancel and Save
        • Tracking what You Spend
        • Use Price-Matching to Save Money
        • What Is Social Commerce?
        • What is Surge Pricing?
    • Family Finances
      • Life Events
        • Becoming Financially Independent
        • Becoming a Parent
        • Building a Cash Wedding Registry
        • Considering a Financial Caregiver
        • Creating a Power of Attorney
        • Employed Again? Do These Things First
        • Estate Planning
        • Getting to Zero Waste
        • How Do Living Wills Work?
        • If Your Spouse-to-be Has Serious Debt Problems
        • Is Your Significant Other a Tightwad?
        • Lending Money to Family or Friends
        • Liquidating a Loved One's Estate
        • Making Financial Preparations for Maternity Leave
        • Making Your Home a Vacation Rental
        • Managing Your Child Care Expenses
        • Saving Money by Moving Back Home
        • Searching for Unclaimed Money
        • Should You Get a Prenup?
        • The Financial Side of Dating
        • What is Financial Therapy?
      • Identity Protection
        • Am I Being Phished?
        • Child Identity Theft
        • Common Phone Scams
        • Consumer Privacy
        • Consumer Privacy
        • Credit Freezes vs. Fraud Alerts
        • Credit, Debit and Fraud Prevention
        • Digital (or Virtual) Credit Cards
        • How Credit Card Dumps Work
        • How to Spot a Money Wiring Scam
        • Identity Protection Services
        • Identity Theft and Fraud
        • If You're a Victim of a Data Breach
        • Keeping Your Mobile Phone Secure
        • Make Sure Your Home Network is Secure
        • Medical Identity Theft
        • Protect Yourself from Identity Theft
        • Protecting Your Home When You're on Vacation
        • Protecting Your Identity While Traveling
        • Protecting Your Personal Information
        • Protecting Yourself On Social Media
        • Scammers and the Coronavirus
        • Shopping Safely Online
        • Spotting Elder Fraud
        • Spotting Health Insurance Scams
        • Stop the Robocalls!
        • Take Advantage of Two-Step Authentication
        • Understanding the "Dark Web"
        • Using a Password Manager
        • Website Password Strategies
        • What Is Carding?
        • What Is Skimming?
        • What Is an Advance-Fee Loan Scam?
        • What is Synthetic Fraud?
        • What is a Spoofing Attack?
        • What’s Your Password Strategy?
      • Insurance
        • Adjusting Your Life Insurance
        • Auto Insurance and Teen Drivers
        • Calculate Your Disability Insurance Needs
        • Calculate Your Life Insurance Needs
        • Calculate Your Long Term Care Needs
        • Check Your Insurance Knowledge
        • Choosing the Right Deductible Amount
        • Dropping Collision from Your Auto Coverage
        • Factors That Impact Life Insurance Premiums
        • Finding the Right Auto Insurance
        • Health Savings Account or Traditional Health Plan?
        • How Much Life Insurance Do You Need?
        • Insurance Tips for Homeowners
        • Insuring Your Property
        • Is Pet Insurance Right for You?
        • Is Travel Insurance a Good Idea?
        • Reach Your Health Savings Account Goal
        • Reviewing Your Medical Bill
        • Save for Long Term Care
        • Should You Take the Travel Insurance?
        • Term vs. Whole Life Insurance
        • The Advantages of Health Savings Accounts
        • The Homeowner's Insurance That's Right for You
        • The Value of Your Future Earnings
        • Tips to Reduce Your Auto Insurance Premiums
        • Understanding Home Hospital Care
        • Understanding Roadside Assistance Insurance
        • What Is Cancel for Any Reason (CFAR) Insurance?
        • What Is FAIR Plan Insurance?
        • What Is Umbrella Insurance?
        • Your COBRA Health Insurance Rights
      • Kids and Money
        • 2024 Child Tax Credits
        • 2025 Child Tax Credits
        • Allowances and Children
        • Are Kids Sports Draining Your Bank Account?
        • Getting Your Child's Finances 'Move-Out' Ready
        • Homeschooling During COVID-19
        • Introducing Your Teen to Banking
        • Investing for Teens
        • Keep Working or Stay at Home?
        • Learning to Save
        • Paying for Good Grades
        • Preparing Financially for a Special Needs Child
        • Preparing Your Teen for Their First Job
        • Raising Financially Literate Children
        • Spare Change
        • Spending on Your Child
        • Teaching Kids About Money
        • Teaching Smart Spending
        • Teaching Your Child to Count Money
        • Teaching Your Children about Gift Buying
        • Teaching Your Teen About Financial Risk
        • The Cost of Homeschooling
        • Things Your Grade Schooler Should Know About Money
        • Things Your High Schooler Should Know About Money
        • Things Your Middle Schooler Should Know About Money
        • Things Your Pre-Schooler Should Know About Money
        • Understanding Money
        • Understanding a Small Saver Certificate (SSC)
        • What Is a Custodial IRA?
      • Financial Crisis
        • A Death in the Family
        • Are You Prepared Financially for a Natural Disaster?
        • Avoiding Costly Car Repair Mistakes
        • Avoiding Tax Penalties
        • Dealing with a Home Foreclosure
        • Helping Your Parents with their Finances
        • Housing Relief Options and COVID-19
        • In Case of Medical Emergency
        • Making a Comeback from a Financial Setback
        • Managing Debt When You Are Unemployed
        • Managing Your Finances After a Job Loss
        • Mortgage Relief Scams
        • Paying for Rehab and Addiction Treatment
        • Preparing Financially for a Climate Changing World
        • Preparing for an Economic Downturn
        • Rebuilding Credit After Bankruptcy
        • Reselling Your Stuff
        • Revisiting Your Budget During a Crisis
        • Selling a Home That is Financially Underwater
        • Should You Get a Second Job?
        • Suddenly Unemployed
        • Weathering a Financial Crisis
        • When Your Home is a Money Pit
        • When You’re Short On Money
    • Workplace Finances
      • Employee Benefits
        • Flexible Spending Accounts for Medical and Dependent Care
        • Health Savings Accounts (HSAs)
        • Hourly and Salaried Employment
        • Medical, Prescription, Vision and Dental Plans
        • Navigating Employee Stock Purchase Plans (ESPPs)
        • Negotiating a Job Offer
        • Quality of Life and Wellness Benefits
        • Relocation Assistance
        • The Basics of Working from Home
        • The Benefits of Union Membership
        • The Financial Impact of Job Hopping
        • The Financial Impact of Relocating for Work
        • Tuition Reimbursement
        • Understanding Employee Benefits
        • Understanding Paid Time Off (PTO)
        • Understanding Parental Leave Policies
        • Utilizing Childcare Benefits
        • Utilizing Job Training Programs
        • What Is a Long-Term Incentive Plan (LTIP)?
        • What Is a Severance Package?
        • What is an Employee Assistance Program (EAP)?
      • Paycheck Planning
        • 2023 Paycheck Planning
        • 2024 Paycheck Planning
        • 2025 Paycheck Planning
        • Asking for a Raise
        • Dealing with Expense Reimbursement
        • Direct Deposit and Paycheck Allocations
        • Filling Out a W-4 Form
        • First Paycheck? Do These Things First
        • Gross and Net Income: What's the Difference?
        • If You're a 1099 Employee
        • Juggling Multiple Jobs
        • Setting up Tax Withholding
        • Stop Living Paycheck to Paycheck
        • Understanding Company Bonuses
        • Understanding Pay Statements
        • Understanding Payroll Taxes
        • Understanding Performance-Based Pay
        • Understanding Your Pay Statement
        • Understanding Your Paycheck
        • Understanding Your W-2 Form
        • Using Pay Transparency in Salary Negotiations
      • Retirement Plans
        • 2022 & 2023 Maximum 401(k) Contribution Limits
        • 2023 & 2024 Maximum 401(k) Contribution Limits
        • 2024 & 2025 Maximum 401(k) Contribution Limits
        • 401(k) Calculator
        • An Overview of 401(k) Plans
        • Are You Eligible for a 403(b) Plan?
        • Employer-Sponsored Retirement Plans
        • How Do Employee Stock Ownership Plans (ESOPs) Work?
        • Reviewing Your Retirement Plan
        • Should You Withdraw Funds from Your 401(k)?
        • Simplified Employee Pension (SEP) Plans
        • Taking Your Retirement Plan with You
        • Traditional 401(k) or Roth 401(k)?
        • Types of Retirement Plans
        • Understanding Matching Contributions
        • Understanding Pension Plans
        • What is a Defined Benefit Plan?
        • What is a Profit-Sharing Plan?
    • Your Home
      • Renting
        • Finding a Roommate
        • Furnishing Your New Space
        • Going from Homeowner to Renter
        • Housing Scams to Avoid
        • How Much Should You Spend on Rent?
        • Living with Roommates
        • Managing Moving Expenses
        • Qualifying for Your First Apartment
        • Renter Mistakes to Avoid
        • Renting Your First Apartment
        • The Basics of Renting
        • Understanding Your Rights as a Renter
      • Buying a Home
        • Additional Financial Home Buying Obligations
        • Are You Ready to Buy a Home?
        • Building a Home Buying Team
        • Buying a Home from a Family Member
        • Buying a Home with a Friend
        • Buying a Vacation Home
        • Buying vs Renting a Home
        • Down Payment Assistance Programs
        • Down Payment Strategies for First-Time Home Buyers
        • Estimating a Home's Market Value
        • Finding a Real Estate Agent
        • Finding the Right Home
        • Getting Your Home Ready to Sell
        • Home Affordability
        • Home Affordability
        • House, Townhome, or Condo?
        • How Home Construction Loans Work
        • Is a "Tiny Home" the Answer?
        • Landscaping on a Budget
        • Making an Offer on a Home
        • Proceeds from Sale of a Home
        • Rent or Buy?
        • Saving for a Down Payment on a Home
        • Tax Implications of Home Ownership
        • The Home Buying Process
        • The Pros and Cons of an HOA
        • Tools Worth Spending Money On
        • Understanding Housing and Debt Ratios
        • Understanding Your Debt-to-Income Ratio
        • What's the Deal with Timeshares?
        • Working with Real Estate Professionals
      • Mortgages
        • 15-Year vs 30-Year Mortgages
        • About Private Mortgage Insurance
        • Adjustable Rate Mortgage Analyzer
        • Being Pre-Qualified vs. Being Pre-Approved
        • Buying Down an Interest Rate with Points
        • Buying a Home in a High Rate Market
        • Calculate Home Closing Costs
        • Calculate a Mortgage Payment
        • Can Bi-Weekly Mortgage Payments Save You Money?
        • Closing on a Home
        • Compare Two Mortgage Loans
        • Compare a Bi-Weekly Mortgage to a Monthly Mortgage
        • Debt-to-Income Calculator
        • Down Payment Calculator
        • FHA Mortgage Basics
        • Finding a Mortgage
        • Fixed Rate vs Adjustable Rate Mortgages
        • Getting Rid of Private Mortgage Insurance
        • Getting the Lowest Mortgage Rate
        • How Escrow Accounts Work
        • Key Mortgage Terms
        • Know When to Lock-In a Mortgage Rate
        • Loan Amount Calculator
        • Maximizing a Home Appraisal
        • Mortgage Loan Modification Options
        • Paying Off Your Mortgage
        • Qualifying for a Mortgage
        • Should You Pay Off Your Mortgage Early?
        • Types of Mortgages
        • Understanding Mortgages
        • Understanding VA Loans
        • Understanding a Deed of Trust
        • Understanding the Federal Home Loan Bank System
        • What Is a HomeReady Mortgage?
        • What Is a Jumbo Loan?
        • What Is a USDA Home Loan?
      • Home Equity and Refinancing
        • Building Equity in Your Home
        • Calculate a Home Equity Line of Credit Payment
        • Calculate a Home Equity Loan Payment
        • Cash-Out Refinancing or a Home Equity Loan?
        • Home Equity Loan or Line of Credit?
        • Home Equity Loans vs Lines of Credit
        • Is it the Right Time to Refinance Your Home?
        • Paying Off a Home Equity Loan or Line of Credit
        • Refinancing Your Mortgage
        • Should You Refinance Close to Retirement?
        • Should You Refinance Into a Shorter Term Mortgage?
        • The Equity in Your Home
        • The ROI of Home Improvement Projects
        • Time to Refinance?
        • Understanding Home Equity
        • Using the Equity in Your Home Wisely
        • Using the Equity in Your Home
        • What Now for Home Equity?
    • Paying for College
      • Saving for College
        • An Overview of 529 Plans
        • Are Online Degrees Worth It?
        • Choosing Between College and Retirement Savings
        • College Savings Plan Options
        • College Savings Plans
        • Explaining Stackable Credentials
        • How Community Colleges Save You Money
        • Minimizing College Application Expenses
        • Save for College
        • Saving for Your College of Choice
        • The "2K Rule" for College Savings
        • The Costs of Education
        • The ROI of Education
        • The True Cost of a College Education
        • The Value of Education
        • Vocational and Technical Training
      • Financing College
        • Comparing Your Financial Aid Offers
        • Expected Family Contribution
        • FAFSA and You
        • Financial Aid
        • Financial Tips for College Freshmen
        • Financing a College Education
        • Finding Scholarships
        • Graduating from College Debt-Free
        • How Much Student Loan Debt is Too Much?
        • Making Informed Decisions
        • Maximizing Your Financial Aid Package
        • Misconceptions Surrounding Financial Aid
        • Private Student Loans
        • Saving Money on College Textbooks
        • Should College Students Have Credit Cards?
        • The Challenge of Working Your Way Through College
        • Understanding Student Loans
        • Will Your Choice of Major Payoff Financially?
      • Repaying Student Loans
        • COVID-19 and Your Student Loans
        • Claiming Your Student Loan Forgiveness
        • Credit Building Tips for New College Graduates
        • Employer-Sponsored Repayment Programs
        • How to Quickly Pay Off Your Student Loans
        • Income-Based Student Loan Repayment Plans
        • Living with High Student Loan Obligations
        • Now That You've Graduated: Repaying Your Student Loans
        • Public Service Loan Forgiveness (PSLF)
        • Refinancing Strategies for Student Loans
        • Repaying Student Loans
        • Student Loan Forgiveness
        • Student Loan Repayment Options
        • Understanding Income-Share Agreements
    • Retirement Planning
      • Saving for Retirement
        • 2022 & 2023 Maximum IRA Contribution Limits
        • 2023 & 2024 Maximum IRA Contribution Limits
        • 2024 & 2025 Maximum IRA Contribution Limits
        • Explaining Payroll Deduction IRAs
        • Factoring Family Into Your Retirement Plan
        • Getting Your Retirement Back on Track
        • Gig Worker Retirement Strategies
        • How Much Do You Need to Retire?
        • How Much Will You Need for Retirement?
        • Important Retirement Savings Milestones
        • Off to a Late Start? Catch Up Strategies for Retirement
        • Retirement Planning Checklist
        • Retirement Planning Mistakes to Avoid
        • Retirement Saving Basics
        • Retirement Savings Strategies
        • Retirement Tax Planning
        • Save for Retirement
        • Spend It or Invest in an IRA?
        • The Basic Principles of Retirement Planning
        • The Financial Independence, Retire Early (FIRE) Method
        • The Pros and Cons of an Early Retirement
        • What are My IRA Options?
      • Social Security
        • An Overview of Medicare
        • Estimate Social Security Benefits
        • Getting By on Social Security
        • How Cost of Living Adjustments are Calculated
        • How are Social Security Benefits Calculated?
        • Social Security Benefits
        • Social Security Survivor Benefits
        • Social Security and Your Retirement
        • Social Security and the Self-Employed
        • Special Situations to Consider Before Starting Social Security
        • Understanding the Ticket To Work Program
        • When Should I Start Collecting Social Security?
        • Your Social Security Number & Card
      • Living in Retirement
        • Buying a RV for Retirement
        • Don't Miss Out on Senior Discounts
        • Down-Size Your Home, Right-Size Your Life
        • Extend Your Retirement Budget with the Gig Economy
        • Finding a Caregiver
        • Have You Saved Enough for Retirement?
        • How Long Will My Retirement Savings Last?
        • In Retirement
        • Is a Reverse Mortgage Right for You?
        • Managing Your Retirement Funds
        • Relocating for Retirement
        • Required Minimum Distributions
        • Restructuring Your Budget for Retirement
        • Retirement Account Withdrawal Strategies
        • Retirement Income Estimator
        • Stretch Your Retirement Budget
        • Supplemental Healthcare Coverage in Retirement
        • Supplementing Your Retirement Income
        • Working in Retirement
    • Small Business
      • Starting a Business
        • Business Startup Basics
        • Buying an Existing Business
        • Creating a Business Plan
        • Leasing Space for Your Business
        • Location, Location, Location
        • Naming Your Business
        • Partnership Pros and Cons
        • Saving to Start a Business
        • Sizing the Market
        • Sources of Start-Up Funding
      • Business Finance
        • Accepting Payment
        • Basic Accounting Statements
        • Business Debt Consolidation
        • Business Finance 101
        • Business Lines of Credit
        • Business Loan or Line of Credit?
        • Calculate a Business Loan Payment
        • Effective Receivables Collection
        • Establishing Credit
        • Extending Credit To Your Customers
        • Financial Ratio Analysis
        • Financial Ratios
        • Getting a Business Loan
        • Keeping Your Business & Personal Finances Separate
        • Lease or Buy Equipment
        • Managing Cash Flow
        • Projecting Your Cash Flow
        • Purchase or Lease Equipment?
        • Repaying a Business Loan
        • Small Business Administration Loans
        • The Basics of Budgeting
        • Using Credit Cards for Financing
        • Working With Outside Investors
        • Working with Factors
      • Business Management
        • Accounts Receivable Analysis
        • Becoming the Boss
        • Business Inventory Requirements
        • Determine Your Working Capital Requirements
        • Gross Margin Analysis
        • Laws and Local Ordinances That Impact Your Business
        • Managing Vendor Relationships
        • Managing Your Inventory
        • Managing a Business
        • Money Management
        • Organization Structures
        • Providing Great Customer Service
        • Recordkeeping Basics
        • Sales Volume Required to Break Even
        • Selecting the Right Technology and Tools
        • The Value of Your Business
        • Time Management
        • Valuing Your Business
      • Growing Your Business
        • Affordable Marketing Strategies for Startups
        • Branding Your Business
        • Calculate Customer Lifetime Value
        • Calculate Your Conversion Rate
        • Calculate Your Direct Mail ROI
        • Calculate Your Email Marketing ROI
        • Creating a Marketing Plan
        • Creating an Online Presence
        • Direct Marketing Basics
        • Gaining a Competitive Advantage
        • Growing a Business
        • Internet Marketing Basics
        • Measuring the ROI of Your Marketing Budget
        • Optimize Your Sales Pipeline
        • Pay-per-Click Advertising ROI
        • Pricing Strategies
        • Selling Your Products Online
        • Social Media Marketing
        • Understanding Customer Lifetime Value
      • Employment Basics
        • Attracting and Retaining Quality Employees
        • Compensation Basics
        • Creating an Employee Handbook
        • Effective Employee Communications
        • Employment Basics
        • Hiring Your First Employee
        • Maintaining a Work/Life Balance
        • Negotiating with Prospective Employees
        • Required Employee Benefits
        • Running a Virtual Company
        • Total Employee Compensation Package
        • Training and Educating Employees
        • Using Contractors Instead of Employees