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      • Current Mortgage Rates Up-to-date mortgage rate data based on originated loans.
      • Historical Mortgage Rates A collection of day-by-day rates and analysis.
      • Mortgage Calculator Found a home you like? Calculate your monthly payment here.
      • First Time Homebuyer's Challenge Fast-track your home purchase with this Money challenge.
      • Best Places to Live From suburbs to small towns, these are the 50 Best Places to Live.
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      • What is Life Insurance?
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      • Healthy Paws Review
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      • How Much Does Pet Insurance Cost?
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      • What is Debt Consolidation?
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      • Best CD Rates Before you make your first deposit, find the CD that's right for your needs.
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      • How Much Is Invisalign
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    • Popular
      • Best Mortgage Lenders
        Independently researched and ranked mortgage lenders.
      • Current Mortgage Rates
        Up-to-date mortgage rate data based on originated loans.
      • Historical Mortgage Rates
        A collection of day-by-day rates and analysis.
      • Mortgage Calculator
        Found a home you like? Calculate your monthly payment here.
      • First Time Homebuyer's Challenge
        Fast-track your home purchase with this Money challenge.
      • Best Places to Live
        From suburbs to small towns, these are the 50 Best Places to Live.
    • Money's Top Picks
      • Best Mortgage Lenders
      • Best Mortgage Refinance Lenders
      • Best VA Loan Lenders
      • Best Online Mortgage Lenders
      • Best Jumbo Mortgage Loan Lenders
    • Calculators
      • Mortgage Calculator
      • Mortgage Refinance Calculator
      • Home Affordability Calculator
      • Debt-To-Income Ratio Calculator
    • Lenders by State
      • CA
      • WA
    • Guides
      • First Time Homebuyer's Challenge
      • What Is A Reverse Mortgage?
      • How To: Get Pre-Approved For A Home Loan
      • First Time Homebuyer Checklist
      • Understanding Mortgage Rates
    • FAQs
      • When Is The Best Time To Refinance?
      • Is Now A Good Time To Refinance?
    • Auto Insurance
      • Best Car Insurance Companies
        We break down rates, deductibles, policy info, and reviews.
      • Best Cheap Car Insurance
      • Save On Car Insurance During Coronavirus
    • Home Insurance
      • Best Home Insurance Companies
        We analyzed over 400 data points to determine our winners.
      • Best Renters Insurance
      • What Does Home Insurance Cover?
    • Life Insurance
      • Best Life Insurance Companies
        Our picks are based on common life insurance needs.
      • What is Life Insurance?
      • What Is Term Life Insurance?
      • What Is Whole Life Insurance?
      • What Is Universal Life Insurance?
      • What Is Senior Life Insurance?
      • What Is No-Exam Life Insurance?
    • Pet Insurance
      • Best Pet Insurance Companies
        Get transparent information on what to expect with each pet insurance company.
      • Healthy Paws Review
      • ASPCA Review
      • Embrace Review
      • Lemonade Review
      • Figo Review
      • Nationwide Review
      • Trupanion Review
      • Pets Best Review
      • Pumpkin Review
      • How Much Does Pet Insurance Cost?
      • What Does Pet Insurance Cover?
    • And More
      • Best Dental Insurance Plans
      • Best Travel Insurance
      • Best RV Insurance
      • Best Motorcycle Insurance
      • Best Boat Insurance
      • Best Business Insurance
      • Best Wedding Insurance
    • Money's Top Picks
      • Best Credit Cards
        Cash back or travel rewards, we have a credit card that's right for you.
      • Best Identity Theft Protection
      • Best Credit Repair
    • Best Cards by Type
      • Best Cash Back Credit Cards
      • Best Balance Transfer Cards
      • Best Travel Credit Cards
      • Best Credit Cards For Bad Credit
      • Best Credit Card Deals
      • Best Rewards Credit Cards
    • Guides
      • How To Build Credit
      • How To Repair Bad Credit
      • How To Remove Items From Your Credit Report
      • How To Boost Your Credit Card Approval Odds
      • What Is A Balance Transfer?
    • Money's Top Picks
      • Best Personal Loans
        Over 170 hours of research determined the best personal loan lenders.
      • Best Student Loans
      • Best Student Loan Refinance
      • Best Loans For Bad Credit
      • Best Home Equity Loans
      • Best Small Business Loans
      • Best Auto Refinance Companies
      • Best Debt Consolidation Loans
    • Guides
      • How To Pay For College
      • How To Get a Student Loan
      • How To Get a Personal Loan
      • How To Get a Small Business Loan
      • How To Get a Home Equity Loan
      • How To Get a Car Loan
      • How To Get a Home Improvement Loan
      • What is Debt Consolidation?
      • How To Pay Off Debt
    • Cryptocurrency
      • Best Crypto Exchanges
      • Best Crypto Wallets
    • Money's Top Picks
      • Best CD Rates
        Before you make your first deposit, find the CD that's right for your needs.
      • Best Checking Accounts
      • Best Savings Accounts
      • Best High-Yield Savings Accounts
      • Best Online Stock Trading
      • Best Business Checking Accounts
    • Guides
      • How To Save Money
      • How To Buy Stocks
      • How To Buy Gold
      • How To Pick A Financial Advisor
      • Roth IRAs Guide
      • What Is A 401K?
      • What Is A High-Yield CD?
    • FAQs
      • How Much Should You Save For Retirement?
    • Guides
      • How Much Is Invisalign
      • Amazon Prime Day Guide
      • Best Job Posting Sites For Employers
      • How To Buy An Engagement Ring
      • The Best Face Masks for Coronavirus
      • Which Stores Require Face Masks?
    • Money's Best
      • For the Home
        • Home Warranties
        • Home Security Systems
        • Antivirus Software
        • VPN
        • Smart Thermostats
        • Smart Home Devices
        • Washers & Dryers
        • Dishwashers
        • Air Purifiers
        • Portable Air Conditioners
        • Vacuum Cleaners
        • Home Security Cameras
        • Mattresses
        • Garden Tools
        • Gutter Guards
        • Power Tools
        • Pillows
        • Patio Heaters
        • TV Antennas
        • Modems & Routers
        • Headphones & Earbuds
        • Grills & Smokers
        • Coolers
      • Kitchen
        • Juicers
        • Blenders
        • Immersion Blenders
        • Wine Glasses
        • Water Filters
        • Coffee Makers
        • Pots & Pans
      • Services
        • Moving Companies
        • Pest Control
        • Online Grocery Delivery
        • Car Rental Deals
        • Wine Clubs
        • Streaming Services
        • Flower Delivery
      • Home Office
        • Standing Desk
        • Home Office Chairs
        • Home Printers
      • Beauty
        • Hair Dryers
        • Teeth Whitening Kits
        • Electric Toothbrushes
      • Health & Fitness
        • Hearing Aids
        • Medical Alert Systems
        • Treadmills
        • Home Exercise Equipment
        • Yoga Mats
        • Women's Yoga Pants
        • Online Personal Trainers
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  • Saving and Budgeting

  • thumbnail

    How Do I Figure Out My Financial Priorities?

    By timestaff

  • How Can I Make It Easier to Save?

    By timestaff

    Fortunately, saving no longer has to be purely an exercise in willpower (good thing, since the world is never so full of temptations to ... Read More »
  • How Do I Set a Budget I Can Stick To?

    By timestaff

    There are three basic steps to setting a budget: identifying how your money is being spent; evaluating those expenses to see how they ... Read More »
  • Why Do I Need an Emergency Fund, and How Much Do I Need?

    By timestaff

    Imagine that your roof starts to leak. Or your car breaks down. Or, worst of all, a pink slip lands on your desk. The credit cards in ... Read More »
  • How Do I Determine My Net Worth?

    By timestaff

    Essentially, your net worth is the value of what you own, minus what you owe. Or, as a formula: assets - liabilities = net worth An easy ... Read More »
  • Managing Credit and Debt

  • thumbnail

    What Is a Credit Report, and When Is It Used?

    By timestaff

  • What Kinds of Errors Should I Look for on My Credit Report?

    By timestaff

    Those credit bureaus that create your credit report aren’t infallible. In fact, one in five participants in a recent study by the ... Read More »
  • How Can I Dispute Errors on My Credit Report?

    By timestaff

    Find a mistake in your credit report? You’ll want to contact the bureaus, stat. The bureaus are required to ... Read More »
  • What Is My Credit Score, and How Is It Calculated?

    By timestaff

    While your credit reports are simply a track record of your payment history—no judgments—your credit score is more akin to a ... Read More »
  • How Can I Improve My Credit Score?

    By timestaff

    Getting errors in your credit report fixed can give you the most immediate—and, potentially, significant—score boost. After ... Read More »
  • How Do I Pick a Credit Card?

    By timestaff

    Like choosing a new suit, picking the right credit card is all about knowing your personal style. “Be really honest with yourself ... Read More »
  • Should I Save or Pay Off Debt?

    By timestaff

    Most of us have way more financial goals than cash to spare. So deciding what to do with an extra chunk of change can be a tough choice. ... Read More »
  • Which Debts Should I Pay Off First?

    By timestaff

    Cut down the credit card or ditch the student loan? Knock off the home equity line or get a jump on the car loan? Paying off money you ... Read More »
  • Should I Try to Pay Off My Mortgage More Quickly?

    By timestaff

    It’s hard to imagine anything more satisfying that writing that last check to your bank and owning your home free and clear. For ... Read More »
  • How Do I Get Rid of My Credit Card Debt?

    By timestaff

    Step 1: Figure out what you owe. Gather your credit card statements and make a list of all the balances and interest rates for each. ... Read More »
  • Should I Borrow Against My 401(k) or House to Pay Off My Credit Cards?

    By timestaff

    If you're saddled with a lot of high-interest credit-card debt, you might be tempted to pay it off quickly by borrowing from your 401(k) ... Read More »
  • I Am Unable to Pay My Debts. What Can I Do?

    By timestaff

    The worst thing you can do is hide. “The longer you wait, the more difficult the problem will be to resolve,” says Gail ... Read More »
  • How Do I Deal With Debt Collectors?

    By timestaff

    The phone rings, and someone tells you that you need to repay an old department store bill – right now. Don’t panic: while ... Read More »
  • Should I File for Bankruptcy?

    By timestaff

    If you are being hounded by debt collectors, don’t know of any realistic way that you can pay back or negotiate debts, and expect ... Read More »
  • Investing

  • thumbnail

    Why Should I Invest?

    By timestaff

  • How Do I Make Money Investing?

    By timestaff

    An investment makes money in one of two ways: By paying out income, or by increasing in value to other investors. Income comes in the ... Read More »
  • What Is a Stock?

    By timestaff

    A stock is simply a small piece of a company. A “public” company is one that has issued shares by selling them to the ... Read More »
  • How Does the Stock Market Work?

    By timestaff

    A stock market is where investors meet to buy and sell shares. Markets used to be literal places—they were trading floors in New ... Read More »
  • What Is a Bond?

    By timestaff

    When you purchase a bond, you effectively are lending a company or a government money. The bond issuer is the borrower. It agrees to pay ... Read More »
  • What Is a Mutual Fund?

    By timestaff

    A mutual fund is a simple way to invest in a diversified portfolio. Funds pool the money of many investors, and then a manager chooses ... Read More »
  • What Is an Index Fund?

    By timestaff

    An index fund does not pick and choose its investments, but instead holds all of the stocks or bonds on an index. So what’s an ... Read More »
  • What Is an Exchange-Traded Fund, or ETF?

    By timestaff

    There’s a lot of hype around exchange-traded funds (ETFs) as a new, improved way to invest. In fact, they aren’t all that ... Read More »
  • How Much Should I Hold in Company Stock?

    By timestaff

    You may receive stock options or shares of restricted stocks as a part of your pay package. Good for you! Just don’t allow your ... Read More »
  • How Do I Know If I Should Buy a Stock?

    By timestaff

    The most important thing to understand about picking stocks is this: If you are buying a stock, someone else is selling it. Whatever ... Read More »
  • How Do I Choose a Mutual Fund?

    By timestaff

    Mutual fund ads, which often tout a fund’s past performance, always include this bit of fine print: “Past performance is no ... Read More »
  • Should I Invest in Stocks or in a Stock Mutual Fund?

    By timestaff

    Most investors should use funds rather than individual stocks. Smart stock investing takes time and intensive research. It also requires ... Read More »
  • Should I Invest in Bonds or in a Bond Mutual Fund?

    By timestaff

    Bond funds are a fine choice for most investors, but individual bonds have one advantage funds can’t match. As with stock mutual ... Read More »
  • What Is the Right Mix of Stocks and Bonds for Me?

    By timestaff

    Here is an imperfect but workable rule of thumb: If you are investing mainly for retirement, you should “own your age” in ... Read More »
  • How Many Funds Do I Need?

    By timestaff

    The short answer is one. Or three. You can buy just one fund if you can settle for a preset mix of stocks and bonds. Balanced funds, ... Read More »
  • Health Care

  • thumbnail

    What is Obamacare?

    By Sinash Shajahan

  • thumbnail

    How Does Obamacare Work?

    By Sinash Shajahan

  • thumbnail

    Does My Employer Have to Offer Me Health Insurance?

    By Sinash Shajahan

  • thumbnail

    What Happens If I Don’t Have Health Insurance?

    By Sinash Shajahan

  • thumbnail

    What Can I Do If I Can't Afford Health Insurance?

    By Sinash Shajahan

  • thumbnail

    How Do I Shop For an Obamacare Health Plan?

    By Sinash Shajahan

  • thumbnail

    Can I Get Health Insurance Through My Parents?

    By Sinash Shajahan

  • thumbnail

    What Health Care Is Free Under Obamacare?

    By Sinash Shajahan

  • thumbnail

    How Is Obamacare Paid For?

    By Sinash Shajahan

  • Paying Taxes

  • thumbnail

    What Is My Tax Bracket?

    By timestaff

  • thumbnail

    Where's My Tax Refund?

    By matthewbemer

  • What's FICA?

    By timestaff

    FICA is another kind of tax you’ll see taken out of your paycheck—wah! wah!—in addition to income taxes. Named for the ... Read More »
  • What Is the Alternative Minimum Tax and What Can I Do to Avoid It?

    By timestaff

    Oh the dreaded AMT! The alternative minimum tax was designed to prevent wealthy taxpayers from using loopholes to avoid paying their ... Read More »
  • How Do I Fill Out a W-4?

    By timestaff

    Very carefully! This document—which your employer will ask you to fill out when you start a new job—indicates to the company ... Read More »
  • What Is the Difference Between a Tax Deduction and a Tax Credit?

    By timestaff

    What's the difference between a tax deduction and a tax credit? Good question. The way these two words are thrown around, many people ... Read More »
  • How Can I Reduce My Tax Bill?

    By timestaff

    Aside from earning less – which probably isn’t a great alternative – the best way to lower your tax bill is to make ... Read More »
  • How Do I Know If It Makes Sense to Itemize?

    By timestaff

    Start by looking at your largest expenses that qualify as itemized tax deductions — for most people that’s mortgage ... Read More »
  • What Expenses Can I Write Off If I Am Self-Employed?

    By timestaff

    In addition to the same deductions taken by folks who are employed by others, you can also deduct most expenses related to doing your ... Read More »
  • How Do I Avoid an Audit?

    By timestaff

    First, a reality check: Only about 1% of tax returns get flagged by the IRS. Those who have particularly high-income—especially if ... Read More »
  • Do I Need an Accountant to Do My Taxes?

    By timestaff

    If your situation is pretty simple—you don’t have multiple sources of income, significant capital gains from investments, a ... Read More »
  • What If I Need More Time to File My Taxes?

    By timestaff

    Procrastinators have an out if they need more time to file taxes, but it’s not necessarily a free pass. You can get an automatic ... Read More »
  • What If I Cannot Pay What Taxes I Owe?

    By timestaff

    At the very least, file your tax return and pay as much as you can. That way you’ll at least avoid failure-to-file penalties of up ... Read More »
  • What Tax Records Do I Need to Keep and for How Long?

    By timestaff

    Hold onto actual tax returns indefinitely. They don’t take up a lot of space and can be stored electronically. Ditto for important ... Read More »
  • Buying a House

  • thumbnail

    Should I Rent or Buy a Home?

    By timestaff

  • What Should I Do Before I Buy a Home?

    By timestaff

    Before you even think about hitting open houses, the first thing to do is get your finances in order. Six to 12 months before you start ... Read More »
  • What Are the Steps in a Home Purchase?

    By timestaff

    Once your finances are in order, start the process by making a wish list of things you want in your new home and neighborhood. How much ... Read More »
  • How Much House Can I Afford?

    By timestaff

    Start with this guideline: your target home should cost no more than 2.5 times your gross annual salary. For a $100,000 salary, ... Read More »
  • Do I Need a Real Estate Agent to Buy a Home?

    By timestaff

    You bet. Navigating a real estate purchase is tricky business. The web has made it possible to do a lot of the legwork yourself, but ... Read More »
  • How Do I Choose the Right Real Estate Agent?

    By timestaff

    Finding the right agent takes balancing credentials and chemistry. You want to choose someone you like—after all, you might spend ... Read More »
  • How Do I Shop for a House?

    By timestaff

    The vast majority of buyers, nearly 90%, start the search for a new home online. The major listings websites allow you to search by ... Read More »
  • Should I Go to an Open House?

    By timestaff

    There are a few good reasons to attend an open house, as nearly half of buyers do. The biggest benefit is that you can learn from the ... Read More »
  • Should I Buy a Short Sale or Foreclosure?

    By timestaff

    Only if you’ve got plenty of time and a strong stomach. Short sales and foreclosures are not for the faint of heart. On the ... Read More »
  • How Do I Negotiate the Best Price on a New Home?

    By timestaff

    The kind of market you’re in will dictate your negotiating strategy. Be aware that in most places, the days of lowball bids that ... Read More »
  • Should I Get a Home Inspection?

    By timestaff

    Absolutely. You’re not just buying that beautiful master suite or stone-lined fireplace, “you’re also buying any ... Read More »
  • What Mortgage Is Right for Me?

    By timestaff

    If you’re like most buyers, you’ll choose a 30-year loan, with either a fixed or adjustable interest rate. As the name ... Read More »
  • How Do I Get the Best Rate on a Mortgage?

    By timestaff

    Like buying any product, getting the best mortgage rate requires doing some homework. But it’s not as simple as shopping for a ... Read More »
  • How Does an Escrow Account Work?

    By timestaff

    An escrow account is essentially a holding tank. During a real estate transaction, the escrow officer—usually a lawyer or title ... Read More »
  • How Much Will My Closing Costs Be?

    By timestaff

    Closing fees average around 2% of the purchase price—on a $200,000 home, that’s $4,000—but they can go as high as 5%. ... Read More »
  • Selling a House

  • thumbnail

    Should I Hire a Real Estate Agent to Sell My Home?

    By Sinash Shajahan

  • How Do I Make My Home Attractive to Buyers?

    By Sinash Shajahan

    The most important thing you can do to speed a sale is to price your home right. After all, buyers have access to the same market data ... Read More »
  • What Renovations Will Pay Off When I Sell?

    By Sinash Shajahan

    The two rooms that really sell houses are the kitchen and master bathroom. If your home needs upgrading, focus your dollars here. Before ... Read More »
  • How Do I Set an Asking Price for My Home?

    By Sinash Shajahan

    To arrive at the right listing price, start by researching the competition. That’s where an agent can help. He or she will prepare ... Read More »
  • What Closing Costs Do Sellers Pay?

    By Sinash Shajahan

    Once you’ve paid off your mortgage and any other loans on the property, the biggest chunk of change home sellers pay at closing is ... Read More »
  • Should I Buy a New House Before Selling My Current Home?

    By Sinash Shajahan

    Juggling the sale of one home with the search for another is tricky. List your home too soon, and you risk being homeless. Wait too ... Read More »
  • Will I Pay Income Taxes on the Sale of My Home?

    By Sinash Shajahan

    Whether you’ll pay taxes—and if so, how much—depends on how long you’ve been in your home. If you’ve lived ... Read More »
  • Investing in Real Estate

  • thumbnail

    Should I Buy an Investment Property?

    By Sinash Shajahan

  • What Returns Will I Make on an Investment House?

    By Sinash Shajahan

    Big Wall Street-backed firms that own thousands of rental properties aim for a 5%-7% return on their homes. Individual investors, who ... Read More »
  • Can I Get a Loan for a Real Estate Investment?

    By Sinash Shajahan

    Cash will get you the best deal on properties, but here’s a trick favored by experienced investors. Use cash to buy, then within ... Read More »
  • Saving for College

  • thumbnail

    How Much Does College Actually Cost?

    By Sinash Shajahan

  • How Much Do I Need to Save for College?

    By Sinash Shajahan

    When it comes to saving for college, every little bit helps. Each dollar you save is one dollar you won't have to borrow or rely on ... Read More »
  • How To Choose the Best College Savings Plan

    By Sinash Shajahan

    While you can certainly sock away money for college in a piggy bank or savings account, there are better ways to save. The best option ... Read More »
  • How Much Should I Save for College vs. Retirement?

    By Sinash Shajahan

    Most advisers tell parents to prioritize retirement savings because you and your child can borrow for college, while nobody lends for ... Read More »
  • What's the Best 529 Plan for Me?

    By Sinash Shajahan

    Use this cheat sheet to help you pick the best 529 college savings plan for your family: Step one: See if you’re entitled to a tax ... Read More »
  • How Should I Invest My Child's 529?

    By Sinash Shajahan

    College savings plans typically offer pre-mixed portfolios that you can select based on the date your child is likely to start college. ... Read More »
  • How Do College Savings Affect My Financial Aid Prospects?

    By Sinash Shajahan

    For the vast majority of American families, college savings won’t reduce financial aid by a single penny. First of all, savings do ... Read More »
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