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☆ If you need a last-minute gift, rewards cards like the Amex Platinum let you gift airport lounge access, Global Entry, charitable donations, and more
▼ + stars: | 2021-12-10 | by ( Sarah Silbert | Read More | Read Less | ) www.businessinsider.com time to read: +36 min

You credit card rewards could unlock a unique gift for a friend or family member this holiday season. Read our review Read Our Review A looong arrow, pointing rightMost good travel rewards credit cards nowadays offer a statement credit to cover the cost of applying for Global Entry or TSA PreCheck. Annual travel credit can effectively shave $300 off the annual fee if you use it Check mark icon A check mark. Donate to charity on a friend's behalf with credit card rewardsThere are numerous credit card, airline, and hotel loyalty programs that allow you to redeem rewards for charitable donations. Note that credit card lenders may use many different variations of credit score models when considering your application.

But I ignored her advice to invest in market index funds, worried about losing my money in a volatile market. While she recommends investing mostly in market index funds, I veered toward safer, more conservative options. Like Orman, he recommended several market index funds, and further nudged me toward even more aggressive growth funds. However, if I had instead listened to Suze Orman and invested in a market index fund, like Schwab's S&P 500 Index Fund (SWPPX) or the Schwab Total Stock Market Index Fund (SWTSX), that $20,000 would have grown to nearly $70,000 — that's a swing of almost $40,000. My refusal to accept a reasonable amount of risk limited my downside, preserving my annual Roth IRA contributions.

Persons: Suze Orman's, —, Orman, Schwab, Janus Henderson, Roth, Suze Orman, I'd, bitcoin Organizations: Service, Young, Dow, & Napier, Schwab, Market Index, Shelton Nasdaq Locations: that's, Michigan, Seattle

Our experts answer readers' credit card questions and write unbiased product reviews (here's how we assess credit cards). Because I run my own business, I'll probably start with a small-business credit card to earn rewards on business expenses. The reason why I don't have credit cards is that credit cards and I never got along. I remember applying for my first credit card in college — a card from a well-known retail store. At that moment, I vowed to do two things — pay off my credit card debt and learn how to manage my money.

The different is your FSA money is "use it or lose it," while your HSA money rolls over from year to year. The biggest difference is that FSA money has to be used by the end of the year, while HSA money rolls over from year to year. For 2021, the HSA contribution limit is $3,600 for individual coverage and $7,200 for family coverage. Remember, you can use this account for a host of eligible medical expenses, including dental and vision expenses. HSAs and FSAs are great tools that can reduce your taxes while you save for future medical expenses.

Thanks to that strategy, I've maxed out my retirement savings every year since 2014, and they're still a top priority. I completely stopped saving money, and kept blowing my dad off when he asked whether I'd started a Roth yet. The next year, I made my retirement savings top priorityWith the money out of sight and out of mind, I didn't find myself missing it much. Every payday, as soon as the money hit my Bank of America account, I'd zip $230 out of it and over to a high-yield savings account at Ally. Week after week, I'd move the money over to my savings account, and force myself to forget about it once it was there.

Persons: I've, they're, —, Roth, I'm, I'd Organizations: Service, of America

During that time, I relied heavily on credit cards to cover my basic necessities. I could have saved hundreds of dollars by relying primarily on the credit card with the lowest-interest rate. 2. Credit cards with an intro APR can act as an emergency fundSome credit cards come with introductory offers that give you a 0% APR on purchases for a certain period of time. Paying your credit card bill on time is arguably the most important thing you can do to protect your credit. My credit score did take a slight hit due to the high balances I had on a couple of my credit cards.

Setting yourself up for financial success means answering the easy money questions, as well as dealing with the harder ones. There are five essential financial questions you need to be able to answer to make sure you're on the right track. Everybody has money questions — but finding good financial advice is tough. Especially when you don't have anyone to answer your money questions. Most money questions tend to be very personal and specific.

Persons: Sarah Jacobs, —, I've, you've, weren't, it's, you'll, Lauren Lyons Cole Organizations: Service, CFP, Business Locations: New York City, that's

☆ How an ex-lawyer built Halo Top into an ice cream sensation with $347 million in sales
▼ + stars: | 2018-11-01 | by ( Catherine Clifford | In Catclifford | ) www.cnbc.com time to read: +10 min

During the summer of 2017, low-calorie Halo Top Creamery was the best-selling pint of ice cream in America. "He just wanted to eat an entire pint of ice cream and not hate himself for it." To satisfy his sweet tooth, he wanted to concoct something that tasted like ice cream but was healthier and had less sugar. He liked his creation so much that he eventually bought an ice cream maker (on sale on Amazon for $20). The ice cream market in the U.S. was $6.7 billion for the 52 weeks ended Sept. 28, 2018, according to Nielsen.

Persons: Jerry's, Doug Bouton, that's, we've, Bouton, Justin, Woolverton, Margie Brevidoro, Haagen Dazs, Dazs, Justin Woolverton, Kirk McKoy, Latham & Watkins, who'd, we're, it'd, Khloe Kardashian, Kloss, Ashley Benson, Nina Dobrev, Hilary Duff Organizations: Ben, CNBC, Nestle, Woolverton, Latham &, Amazon, Bouton, Foods, Top, U.S, Nielsen Locations: America, United States, U.S, Los Angeles, L.A, Oakland , California, Chicago

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