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Search resuls for: "Associate Editor At Personal Finance Insider"


9 mentions found


☆ What is a good credit score? It depends whether you're asking VantageScore or FICO
  + stars: | 2022-11-21 | by ( Paul Kim | Associate Editor At Personal Finance Insider | Read More | ) www.businessinsider.com   time to read: +10 min
A good FICO credit score is a 670 or above, and a good VantageScore is a 661 or higher. A good credit score can get you more favorable interest rates rates on mortgages, auto loans, or a new credit card. How your credit score is calculatedWhen FICO and VantageScore assign you a credit score, they are really grading your credit report. For example, your credit history looks at the length of your credit history. However, hard inquiries stop factoring into your credit score after a year and drop off your credit report entirely after two years, so they don't permanently influence a credit score.
☆ A self-directed IRA gives you control over a greater choice of investment options, but it also means more responsibility and risks
  + stars: | 2022-07-12 | by ( Jean Folger | Paul Kim | Read More | ) www.businessinsider.com   time to read: +11 min
A self-directed IRA (SDIRA) is a kind of retirement account that allows you to invest in assets that are off-limits to regular IRAs. You directly manage your self-directed IRA, and so are responsible for researching your investments and their tax consequences. If that sounds like you, a self-directed IRA (SDIRA) might be worth a closer look. Self-directed IRAs (SDIRAs) are structured like standard IRAs, with the same contribution limits, distribution rules, and tax advantages. That's not always the case with SDIRA assets, and your capital could be tied up in assets you no longer want.
☆ Understanding the rule of 55: A comprehensive guide to early retirement
  + stars: | 2022-06-17 | by ( Clint Proctor | Paul Kim | Jasmine Suarez | ) www.businessinsider.com   time to read: +9 min
The rule of 55 is an IRS provision that allows those 55 or older to withdraw from their 401(k) early without penalty. Rule of 55 basics: The rule of 55 allows you to access your 401(k) or 403(b) funds without incurring the usual 10% early withdrawal penalty. An early withdrawal automatically gets hit with 20% income tax with an additional 10% penalty for the early withdrawal. The rule of 55 could also be a deciding factor for those who are considering early retirement. But you may ultimately decide that an early 401(k) withdrawal is right for your situation, especially if you're retiring early.
Persons: —, wouldn't, Roth, you've, you'll, SEPP Organizations: Service, IRS
☆ Paying rent with a credit card is possible, but it's not always practical
  + stars: | 2022-05-17 | by ( Paul Kim | Jasmine Suarez | Associate Editor At Personal Finance Insider | ) www.businessinsider.com   time to read: +8 min
Paying rent with a credit card is possible, but it comes with several pros and cons. Regardless of how you pay rent with a credit card, you'll end up paying an additional processing fee to do so. Pros and cons of paying rent with a credit cardHaving the ability to pay your rent with a credit card is one question. Whether you should is another question — the answer to which depends on your reasoning for paying rent with a credit card. Paying rent with a credit card can result in a high credit utilization ratio, which can damage your credit score.
Persons: —, you'll, Lily Liu, it's, shouldn't, Liu, there's Organizations: Service
☆ 4 steps to calculate your credit card interest and figure how much your unpaid balance will cost you
  + stars: | 2022-04-14 | by ( Paul Kim | Jasmine Suarez | Associate Editor At Personal Finance Insider | ) www.businessinsider.com   time to read: +6 min
Our experts answer readers' credit card questions and write unbiased product reviews (here's how we assess credit cards). You can minimize the amount of interest you pay by paying down your daily balance on your credit card. Find your average daily balanceYour next step will be to find your average daily balance, which you will eventually apply your daily rate to. Multiply daily rate by your average balanceAt this stage, you can apply your daily rate to your average daily balance by multiplying the two together. How to reduce credit card interestIf you've been making payments on time on a credit card for a few years, you can call your credit card company and ask for a lower rate.
Persons: we're, you've, APRs, it's Organizations: Finance
☆ How to Cancel a Credit Card Without Hurting Your Credit Score
  + stars: | 2022-04-12 | by ( Paul Kim | Jasmine Suarez | Associate Editor At Personal Finance Insider | ) www.businessinsider.com   time to read: +5 min
It's generally more beneficial to keep a credit card open to keep your credit availability high. AdvertisementBefore You Cancel: Considerations and PreparationsBefore deciding to cancel a credit card, consider the impact it will have on your credit utilization ratio and history — both of which can affect your credit score. Contact Your Credit Card IssuerReach out to your credit card issuer directly, using the number on the back of your card, to inform them of your decision to cancel. Yes, canceling a credit card can impact your credit score heavily depending on your credit utilization ratio and the length of your credit history. How can I cancel a credit card without negatively affecting my credit score?
Persons: — Organizations: Finance, Service
☆ Secured credit cards: One way to build a credit history from scratch
  + stars: | 2022-01-21 | by ( Paul Kim | Jasmine Suarez | Associate Editor At Personal Finance Insider | ) www.businessinsider.com   time to read: +8 min
Because it doesn't require a credit history or credit score, secured credit cards are an appealing option for building a credit history. How secured credit cards workTraditional credit cards use undisclosed mathematical algorithms that rope in credit score, income, and payment history to determine your credit limit. Step 2: Find which secured credit card is right for youMost major credit card companies, including banks and credit unions, offer a secured credit card option. Though secured credit cards offer a way to build credit, they are subject to the same rules as normal credit cards. With little-to-no prior credit requirements, secured credit cards are one way to reestablish credit or start a credit history.
☆ The new US Bank Altitude Connect credit card offers a welcome bonus worth $500, with up to 4x points for everyday spending
  + stars: | 2021-05-10 | by ( Jasmin Baron | Read More | Read Less | ) www.businessinsider.com   time to read: +7 min
Our experts answer readers' credit card questions and write unbiased product reviews (here's how we assess credit cards). U.S Bank has launched the brand-new U.S. Bank Altitude® Connect Visa Signature® Card .. New U.S. Bank Altitude Connect Visa Signature CardWelcome bonus and earningAlong with a welcome bonus worth $500, the U.S. Bank Altitude® Connect Visa Signature® Card offers a variety of bonus categories that can help you earn more rewards for your everyday spending. However, the 4x return on travel and at gas stations offered by the U.S. Bank Altitude® Connect Visa Signature® Card is pretty compelling. The U.S. Bank Altitude® Connect Visa Signature® Card also offers a range of Visa Signature benefits, including concierge services, a golf program, access to exclusive food and wine events, and Visa Signature Luxury Hotel Collection perks.
☆ Adding your child as an authorized user on your credit card can give them a head start in building credit, but know the risks first
  + stars: | 2021-01-21 | by ( Jasmin Baron | Read More | Read Less | ) www.businessinsider.com   time to read: +13 min
Minimum age for credit card authorized usersThe major credit card issuers allow you to add minors as authorized users, but several have minimum age limits. Benefits of adding a child as an authorized userAlong with potentially giving your child a head start on building credit, adding them as a credit card authorized user has other benefits. Apply now A five pointed star A five pointed star A five pointed star A five pointed star A five pointed star 4.8 out of 5 Stars Editor's Rating A tooltip OUR EDITOR'S RATINGS ARE PRIMARILY BASED ON 3 THINGS: SIMPLICITY, AFFORDABILITY, AND VALUE. Apply now A five pointed star A five pointed star A five pointed star A five pointed star A five pointed star 4.6 out of 5 Stars Editor's Rating A tooltip OUR EDITOR'S RATINGS ARE PRIMARILY BASED ON 3 THINGS: SIMPLICITY, AFFORDABILITY, AND VALUE. Apply now A five pointed star A five pointed star A five pointed star A five pointed star A five pointed star 4.6 out of 5 Stars Editor's Rating A tooltip OUR EDITOR'S RATINGS ARE PRIMARILY BASED ON 3 THINGS: SIMPLICITY, AFFORDABILITY, AND VALUE.
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