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Crystal Cox/Business InsiderThe Capital One Venture Rewards Credit Card has recently gone from a middle-of-the-road rewards card to a top-tier option for earning miles for travel. See Business Insider's list of the best rewards credit cards you can get »Get the latest tips you need to manage your money — delivered to you biweekly. Over time, this card has gone from middle-of-the-road to a top-tier option for earning travel rewards. Improved Venture card benefitsThe card has all the benefits you'd expect in exchange for a $95 annual fee. My verdictThanks to the benefits Capital One's added over the last year, the Capital One Venture Rewards Credit Card has risen into my top-five list for the best travel rewards credit cards.

You don't pay for a life insurance medical exam, and policies may be much more expensive without them. If you are considering new life insurance, here's what you should know about the life insurance medical exam. Insider's Featured Life Insurance Companies Lemonade Life InsuranceNationwide Life InsuranceGuardian Life Insurance Chevron icon It indicates an expandable section or menu, or sometimes previous / next navigation options. Your medical exam can save you moneyA small, growing group of insurers is willing to issue life insurance policies to healthy people without a medical exam. The cost of life insurance tends to go up with age, so don't delay if you plan to sign up for life insurance in the future.

I was approved for life insurance in December 2014 and pay $78.76 per month for a $1 million policy. Here are three changes that have taken place in my life since 2014 that would lead to higher life insurance rates today. Insider's Featured Life Insurance Companies Lemonade Life InsuranceNationwide Life InsuranceGuardian Life Insurance Chevron icon It indicates an expandable section or menu, or sometimes previous / next navigation options. But based on the questionnaires I completed, my current life insurance cost could be hundreds or thousands of dollars more per year. Term life insurance rates lock in when you sign up, so getting insurance today guarantees your rate for the future.

Acorns Later is a retirement account product from popular investment app Acorns. AdvertisementHow Acorns Later worksAcorns Later helps you open and maintain an Individual Retirement Account (IRA) to save and invest for your future. Joining Acorns Later requires you to also have a standard Acorns account. What Acorns Later costsLike other robo-advisers and managed portfolios, Acorns Later charges a fee to manage your money. AdvertisementThe lowest cost you'll get with Acorns Later is $2 per month, which also includes the basic Acorns account.

Persons: —, Roth, that's Organizations: Service, Roth IRA

Our experts answer readers' credit card questions and write unbiased product reviews (here's how we assess credit cards). Most non-debit cards are credit cards, from the Chase Sapphire Preferred® Card to the Citi® Double Cash Card. Credit cards give you the flexibility to pay your balance in full or carry a balance from month-to-month for an interest charge. Credit cards work just like charge cards at checkout, but their monthly statements won't require payment in full. Charge card vs. credit card: what's better for you?

Travel rewards and cash back rewards credit cards sometimes charge annual fees, but those fees can be worth it. If you're wondering how to decide if a credit card annual fee is worth it, it comes down to the numbers: Do the math to compare rewards, benefits, credits, and other perks to decide if a card makes sense for your needs. As you move up the tiers in credit card annual fees, you'll find better and better rewards and benefits. How to decide if a credit card annual fee is worth it1. For hotel, airline, and credit card program miles and points rewards, points may be worth more or less than one cent each.

☆ Capital One's money market account hits the sweet spot between good rates, low risk, and high liquidity — as long as you have enough cash
▼ + stars: | 2019-07-30 | by ( Eric Rosenberg | Freelance Writer | Read More | ) www.businessinsider.com time to read: +5 min

Unlike a money market fund, money market savings balances are not invested and should never lose value. Note that a money market account is not the same as a money market fund. Unlike a money market fund, money market savings balances are not invested and should never lose value. Money market accounts are more similar to high-yield savings accounts, although not quite the same. The account is FDIC insured and very low riskLike a regular savings or checking account, the 360 money market account is FDIC insured.

You don't have to register with the government to be considered a business — even picking up some freelance or gig work on the side technically counts as a business. Some people think you have to register a business with your state's government to be considered a true business, but that isn't actually the case. What qualifies as a businessIf you think you need to register with the government to be considered a business, think again. By default, any business that doesn't register with its secretary of state is considered a sole proprietorship. If you have a small, part-time side hustle, odds are going without registering your business as an LLC is just fine.

100,000 Amex Membership Rewards points can get you to virtually any destination in the world. According to travel website The Points Guy's valuations, Amex points are worth 2 cents apiece. British Airways, Delta, Alitalia, Air Canada, ANA, Etihad, and JetBlue all give you options to reach Brazil using your Amex points. You can book a flight to London or your hotel nights using American Express points. Amex points are among the most valuable of any credit card today.

☆ People get scared out of life insurance by being asked to take a medical exam, but I did it for my $1 million policy and it was no big deal
▼ + stars: | 2019-06-22 | by ( Eric Rosenberg | Freelance Writer | Read More | ) www.businessinsider.com time to read: +6 min

A life insurance medical exam can help the insurer eliminate risky conditions and act as proof of your good health. How life insurance medical exams workA life insurance medical exam is a lot like an annual physical you should be getting every year from your primary care doctor. Why life insurance medical exams save you moneyIf you don't get a medical exam, most insurance companies will assume the worst about your health. When it comes to life insurance, sooner is betterIf you've been putting off life insurance for any reason, there's an important fact to know about your rates. Once you get your policy with a term life insurance policy, the rate is fixed for the entire duration of the policy.

☆ I signed up for $1 million of life insurance before I ever had a family, and it sounds like a lot — but if I could do it again, I'd get twice as much
▼ + stars: | 2019-06-16 | by ( Eric Rosenberg | Freelance Writer | Read More | ) www.businessinsider.com time to read: +6 min

Eric Rosenberg signed up for a $1 million life insurance policy shortly before starting a family. Life insurance policies should be picked based on your family's projected expenses for housing, utilities, food, and other needs. Here's how I did it and a blueprint to pick your own life insurance coverage amount. If you are getting new life insurance and on the fence about how much to get, always round up. Don't wait to get life insuranceIf anyone relies on you for your income, life insurance isn't optional.

Our experts answer readers' credit card questions and write unbiased product reviews (here's how we assess credit cards). Those five cards are the Chase Sapphire Reserve®, the American Express® Gold Card , the Chase Freedom Unlimited®, the Chase Freedom® , and the Ink Business Cash® Credit Card. Chase Freedom Unlimited®Chase Freedom® and Chase Freedom Unlimited® are both listed as cash back cards from Chase. Chase Freedom®One of my oldest credit card accounts is Chase Freedom®, not to be confused with its cousin Chase Freedom Unlimited®. Ink Business Cash® Credit CardTo round out my Costanza Wallet, I carry the Ink Business Cash® Credit Card card.

Eric Rosenberg signed up for a $1 million life insurance policy in his late 20s before starting a family. He chose term life insurance, which tends to be a better fit for most people since it gives you the most insurance coverage at the lowest possible cost. Before I had kids, I found myself a $1 million life insurance policy. First, I decided term life insurance was right for meWhen getting started, life insurance can be intimidating. In general, the best type of life insurance for most people is term life insurance.

A cash bonus for opening a new bank account could be worth considering. What is a bank account bonus? A bank account bonus is a cash bonus you can earn for signing up for a new bank account and meeting the bank's requirements. A new bank account shouldn't have a big impact on your financesUnlike a new credit card, a new bank account does not directly impact your credit. Remember that bank bonuses are taxableJust like the interest reported on 1099 form from your bank, bonuses are taxable.

Business expenses should always be on a separate, business-only credit card for a variety of reasons, and personal expenses should never be on that card. Those cards include the Ink Business Cash® Credit Card, the Ink Business Preferred® Credit Card, and the The Business Platinum Card® from American Express . When it comes to buying items for yourself, putting the purchase on a business credit card is a big no. Putting business purchases on a business credit card makes tracking these expenses much easier. If you keep your personal finances out of your business, you can link your business bank and credit card accounts to automatically import transactions.

New credit cards temporarily lower your credit score, but using them responsibly can raise your credit score in the long run. In the years since, I've opened more than a dozen credit cards and added quite a few lines to my credit report. Read More: The best credit card rewards, bonuses, and benefitsOver time, I've found opening cards for the welcome bonuses helps — not hurts — my credit. In my experience, a typical credit inquiry costs me about three to six points from my credit score. A new credit card temporarily lowers your credit score, but the long-run effect is actually a positive in most cases.

Taxpayers can expect to see an increased standard deduction and child tax credit when filing their tax return, while other deductions have been eliminated or capped. Most taxpayers can file their tax return online using services like TurboTax, H&R Block, Liberty Tax, and TaxAct. That means that the law's changes will hit your wallet when you file your tax return before Tax Day on April 15, 2019. Let's take a look at some of the biggest changes you can expect on your tax return when you file this year. A bigger Child Tax CreditIn 2017, the Child Tax Credit was $1,000 per child.

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