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Scholarships and Grants for Working Adults: Free Money Without the Runaround
If you think scholarships are only for teenagers with perfect SAT scores, you’re leaving money on the table. Working adults go ...
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How Working Adults Can Find Scholarships and Grants Without Losing Their Weekends
If you think scholarships are only for teenagers with perfect SATs, you are leaving free money on the table. Plenty of grants a...
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Free Credit Score Checks: What to Look For and What to Ignore
Checking your credit scores for free is one of the few financial chores that takes less time than making coffee. But free score...
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High-Yield Savings Accounts: The Least Annoying Passive Income You’ll Ever Earn
Most passive income advice sounds like a second job. Rent out a spare room, build a dropshipping empire, learn options trading,...
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How to Vet Online Lenders for Bad Credit Without Getting Burned
Bad credit makes borrowing feel like walking through a minefield in the dark. Online lenders know this, and the sketchy ones co...
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How to Get a Paid Collection Off Your Credit Report for Good
A paid collection is the financial equivalent of a mosquito bite that keeps itching. You did the responsible thing and paid the...
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Frequently Asked Questions
Dividends are returns of excess premiums from participating policies. They are not guaranteed but can be used to reduce premiums, increase cash value, or purchase additional coverage.
A solid plan includes budgeting and cash flow management, saving and investing, risk management (insurance), tax planning, retirement planning, and estate planning.
Loss aversion is the cognitive bias where the pain of losing money is psychologically twice as powerful as the pleasure of gaining the same amount. This leads people to make overly conservative decisions or hold onto losing investments for too long to avoid realizing a loss.
An unrealized gain (or "paper gain") is an increase in the value of a security you still own. You do not owe taxes on unrealized gains. A realized gain occurs when you actually sell the security for a profit. This is when the gain becomes taxable.
The scores can differ because they use slightly different algorithms and may weigh factors differently. They might also be calculated using data from different credit bureaus or from different dates.
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