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However, I'm much happier using local banks and credit unions where I can get more personal help. Credit unions aren't always perfect, but I'm happy to deal with the occasional hurdles. Savings and loans disappeared after the S&L crisis, but credit unions are very similar, and I have always stuck with local banks and credit unions for my business and personal banking. My credit union has no branches near where I live, and I sometimes have to pay ATM fees because I can't find a compatible ATM. The credit union gave us a good rate and stability that I hope to stick with until we pay off the loan.

Persons: —, I've, Wells Fargo, we've Organizations: aren't, Service, Ls, Savings Locations: San Francisco, California, East Coast

Adding insurance coverage was cheaper than I expected and is worth the peace of mind. When I decided to start Posh&Page, my vintage shop side business, small business insurance was the last thing on my mind. Which is to say, my vintage shop goods were taking over my little cottage of a home. Find the Best Business Insurance for You Meet Simply Business. That was when I learned that while the company will cover personal belongings, it won't cover business items without additional home business pursuits coverage.

Persons: —, I'd Organizations: Service, Business Insurance, Farmers

AdvertisementAdvertisementFor Love & Money is a biweekly column from Insider answering your relationship and money questions. This week, a reader has been talking marriage with their boyfriend, but he has $100,000 in debt. Write to For Love & Money using this Google form. Sincerely,Want the guy, but not his debtDear Want,AdvertisementAdvertisementWe talk a lot about unconditional love — love that doesn't know the word "dealbreaker," love that doesn't stumble in the face of pain and disappointment. Tips from a 30-something who paid off $100,000 in debt »But doing your due diligence doesn't stop with the research phase.

Persons: —, we've, I've, doesn't, Bravo, it's, that's, You've, What's, you've, isn't Organizations: Service

AdvertisementAdvertisementMy family uses separate banks for bills, spending money, credit cards, and investing. Having a separate account just for discretionary funds makes it easier to spend money guilt-free. Our 'spend' account is our 'fun money'This is a money tip I've learned from my parents — keep entertainment funds or "fun money" separate, and always allow room in the budget for this if you can. After bills and contributions to our respective investment accounts and our boys' college funds, we funnel the rest into an entirely different joint account — our 'spend' account. While most people probably use a separate financial institution for their investments and other long-term financial goals, like saving for college, it's the fourth financial institution on our dossier, and probably the most important.

Persons: —, it's, It's, they'll, Cabo San, we'll Organizations: Service, Investments Locations: Cabo, Cabo San Lucas

Now that I have a child, I wanted to get life insurance, but my husband and I wanted different kinds. But my husband didn't agree, and the conversation around life insurance kept dropping to the bottom of our to-do list. By the end of 2023, we both had to have life insurance coverage, no matter what. My husband wanted term life insurance, but I wanted whole life insurance. Life insurance tends to be less expensive based on your age, and we're not getting any younger.

Persons: —, didn't, Eleanor Johnson, Johnson, it's, isn't, you've, we're Organizations: Service, Highland Capital

I have one bank that I use for investing and one that I use for credit cards and high-yield savings. Originally, I used Wells Fargo as my primary bank. This book taught me how to make my credit cards work for me and what to look for in credit cards. Now I have my credit cards, savings account, and auto loan all in one place. But if they ever pull a Wells Fargo, I have my process to find a new bank.

Persons: —, Wells, Wells Fargo, Charles Schwab, Ramit Sethi, Cash, I've, they're Organizations: Service, Vanguard, Self Locations: Wells Fargo, Wells

Last year, I made what I thought was a pretty solid money move: I opened a high-yield savings account and moved my money from a savings account earning me very little interest. Ally's high-yield savings account had a 2.0% interest rate at the time. My savings account back then was offering only 0.05% interest, and the simple maneuver yielded 40 times the savings. I'm still using my high-yield savings accountI keep a cushion of funds in my Ally high-yield savings account for big-ticket purchases, vacations, and emergencies. But for now, I'm happy with keeping my savings in a combination of high-yield CDs and savings accounts.

Persons: Ally, I've, I'm, Jackie Lam Jackie Lam, Jackie Organizations: AFC, Money Management, Finance Media Locations: Los Angeles

From mobile banking and online bill pay to direct deposit and digital payment apps, the waves of cashless options seem to swell by the day leaving a steep learning curve in their wake. Digital payment apps are the new norm for teensI talked to Ruben Salazar Genovez, global head of Visa Direct, about the survey. According to the survey, digital payment apps like Venmo, PayPal, and Zelle are the second most popular form of payment, trailing behind cash, for transactions between parents and teens. As digital payment apps gain steam, that means financial literacy is more important than ever. Payment apps are creating new avenues for fraudEmerging technologies have given rise to new forms of fraud, and digital payment apps are no exception.

Persons: Xer, Ruben Salazar Genovez, I've, Genovez, it's Organizations: Visa, PayPal, Monopoly, Football, Banking

Now that I'm stepping away from an employer-sponsored retirement plan, I need to save for my future on my own. Anjali Jariwala, the founder of financial planning firm FIT Advisors, says the most important aspect of planning contributions is setting good financial habits. Consider an IRANow that I'll be saving for retirement without the help of my employer, I'll want to consider an IRA. Consider a solo 401(k)I can also consider a solo 401(k), which provides similar benefits to an employer 401(k). And you can open up multiple retirement accounts, but keep track of your contributions and limits.

Persons: I've, it's, —, Anna Sergunina, Sergunina, Anjali Jariwala, Jariwala, Roth, Tricia Rosen, Robinhood, Rosen, Wealthfront, Read Organizations: Roth IRA

My mother died in 2021, and my father passed away in 2023, both in their 90s with long lives and, thankfully, gentle passings. Because of that planning, wrapping up my mother's financial affairs after her death only took a few months. We did everything rightActing as their power of attorney, I managed my parents' financial planning for several years before their deaths, including placing most of their assets into irrevocable trusts. What I've learned about handling a second parent's estateOther than hiring someone else to handle your deceased parent's affairs, there's no easy way to wrap up financial affairs after both your parents are gone. Estate planning: Having a will and (if needed) trust documents prepared by a lawyer will make your life easier.

Persons: I've, I'd, I'm, preparer, they're Organizations: Will

It's easier to check in regularlyI used to be so anxious looking at my bank accounts that I'd only check them once a month. When I decided to move all of my money into one bank, I picked one that had historically high APYs for its savings accounts and CDs. While APY rates can fluctuate, I've found my bank to offer competitive rates that make me confident in my decision to keep my money here. Earn top savings rates and manage it all with a single secure login. When I had money in different banks, it would take a few business days for money to transfer to a different bank.

Persons: I've

Cruise travel insurance can help cover emergency costs as well, which is why I have an annual travel insurance policy. For Caribbean cruises in particular, this part is easy since almost all spots in and around cruise ports accept US dollars. Drinks (if you drink a lot)I drink a lot on cruises, and I'm not just talking about cocktails and beer. This is why I always have a drink package when I cruise, which is easy since I normally cruise with MSC Cruises. On my next Caribbean cruise, we've booked a resort day pass at an all-inclusive resort in Puerto Plata, Dominican Republic through a platform called Resort for a Day.

Persons: I'm, Coke, we've Organizations: Voyages, MSC Cruises, Caribbean, MSC Yacht Club, Yacht, MSC, tote Locations: Caribbean, Europe, Miami, Puerto Plata, Dominican Republic

There's nowhere completely safe from the climate crisis, and for many, it's raising housing costs. You can save money and combat the climate crisis with tax credits for clean-energy solutions. This article is part of "Your Wallet on the Climate Crisis," a series exploring the crisis' financial impact and how people can plan. You can save money by switching to a more energy-efficient lifestyle, and there's a good chance you'll also be financially rewarded for it. We're all under the threat of climate change now, and sleeping on it won't solve anything.

Persons: —, LaJan Collins, Fred, LaJan, Christopher Stroup, Stroup, you've Organizations: Service, San, Energy Credit, Financial Locations: Bell Canyon , California, Los Angeles, Santa Monica , California, California

Now I'm married to the love of my life, and we're happy, but due to my love of lattes and my generous spirit with friends, my wife doesn't trust me with our credit card, and she won't let me use it. Sincerely,Cut-OffDear Cut-Off,AdvertisementAdvertisementI'm afraid your wife withholding your credit card is already dramatic, which means it's too late to get ahead of "a big drama." For example, you might say, "When you don't allow me access to our credit card, I feel demeaned and controlled, and I worry I'm repeating old patterns." Keeping an open mind doesn't mean you agree not to use the credit card anymore. If she becomes defensive and accusatory and fights for her right to continue withholding your credit card, it's time to pull out your arsenal of facts.

Persons: I'm, it's, spender, I've

And when I ran a business selling at craft fairs several years ago, I had liability insurance to protect my business and customers. Check your business insurance rates with top providers through Simply Business. Another way to look at small business insurance is as a stepping stone to a bigger business. Another factor affecting the decision to carry small business insurance is what I stand to lose. If a lawsuit could endanger the home I share with my wife, business insurance might be worth it to protect that investment.

Persons: there's, I've, I'm Organizations: Simply, Insurance Locations: Hayward, California

I chose to be a teacher, but despite having chosen a low-paying career field and not working full-time consistently since graduating from college, I'm on track to retire early. This is a path that is open to more people than many realize, particularly if they start investing early and continue to invest consistently throughout their careers. With life generally becoming more expensive, many people who are at retirement age today were not aware of how much they would need to retire comfortably when they started their retirement planning. Seeing this firsthand has motivated me to do what I can to ensure that I'll have the opportunity to retire when I'm ready. Retiring at 55 with $2 million would allow me to withdraw over $5,000 a month until I'm 100.

Persons: I'm, Read, Roth, I've, doesn't, Get, … Organizations: Roth IRA Locations: Maldives

Our experts answer readers' credit card questions and write unbiased product reviews (here's how we assess credit cards). AdvertisementAdvertisementI've learned a lot about how to make travel painless, and I always use a travel rewards credit card. Some travel credit cards even offer bonus points that apply when you book airfare directly with airlines. However, credit cards come with more robust protections when it comes to disputes thanks to the Fair Credit Billing Act. 5. Credit cards have zero fraud liabilityFinally, credit cards come with zero fraud liability, which is incredibly important when you're making pricey purchases online (e.g., buying airfare through an airline website or mobile app) and trying to prevent credit card fraud before it happens.

Persons: I've, There's Organizations: Service, ®, American, Delta, Federal Trade Commission Locations: Wall, Silicon, Delta

As a financial planner, I have to be honest with you and say passive income is a bit of a myth. This is a realistic, achievable, and accessible way for most people to build passive income. Start a business (or invest in one)You can create passive income if you can build a business that operates without you. This path to passive income is one of the most narrowly available to a small group of people, though. But if your goal is passive income, earning royalties provides an avenue to achieving that for your future self.

Persons: it's, Read, doesn't Organizations: Service Locations: Wall, Silicon

NEW YORK (AP) — “The Drew Barrymore Show” will begin airing fresh episodes on Monday but a lot of off-air controversy will be clinging to its typically bubbly host. That's because talk shows are covered under a separate contract — the so-called Network Code — from the one actors and writers are striking. People do not forget it.”Viewers who tune into new episodes of daytime talk shows these days will find a changed landscape. Guests aren’t always the A-listers with blockbuster TV shows or films to promote. But Bill Maher and Drew Barrymore and the hosts of ‘The View’ are not just getting by.

Persons: — “, Drew Barrymore, ”, Barrymore —, “, it’s, Michael H, LeRoy, Kelly, Ryan ” —, —, Jennifer Hudson, don’t, they're, Barrymore, It’s, Zayd Ayers Dohrn, Dohrn, Alyssa Milano, I'm, ” LeRoy, aren’t, Neil deGrasse Tyson, Ryan ”, Cedric, Matthew McConaughey, ” Bill Maher, ” Dohrn, Bill Maher, We’re, They’re, Krysta Fauria, ___ Mark Kennedy Organizations: University of Illinois, ABC, of America, Screen, American Federation of Television, Radio Artists, Alliance, Television Producers, Disney, Netflix, Northwestern University, WGA, SAG, MTV, Writers Guild, Major League Baseball Locations: Urbana, Champaign, “

☆ Dave Portnoy's Barstool Sports used sock puppet accounts to avoid copyright takedowns, Daily Beast reports
▼ + stars: | 2023-09-13 | by ( Katherine Tangalakis-Lippert | ) www.businessinsider.com time to read: +4 min

The Daily Beast found more than 40 accounts used by Barstool Sports to repost copyrighted material. The accounts ripped and posted copyrighted clips embedded and reposted by Barstool, per The Daily Beast. Using the site's password reset system, The Daily Beast discovered the accounts were associated with email addresses under the barstoolsports.com domain. However, Barstool accounts could still repost from the shadow accounts without fear of being impacted by the takedown notices. "Their business is built on stealing other people's IP," The Daily Beast reported Rubin said of Barstool.

Persons: It's, Barstool, Dave Portnoy —, Portnoy, Erika Ayers Badan, Miel Bredouw, Brigitte Stelzer, Ben Rubin, they'd, Rubin Organizations: Barstool Sports, Barstool, Service, Daily, Beast, Copyright Locations: Wall, Silicon

If you want to save money and reduce your contribution to the climate crisis, passive cooling helps. Passive cooling a home that's already built comes with some extra costs, but it can pay off over time. The tenets of passive coolingThe best passive cooling systems utilize a few different approaches, David said. Passive cooling doesn't have to be all-or-nothingThe idea of totally kicking air conditioning can be intimidating, especially as temperatures rise. But even just reducing your reliance on air conditioning can have benefits for your wallet and the environment.

Persons: Tim David, David, David said, Mark Buskuhl, Buskuhl Organizations: Service, Ninebird Locations: Wall, Silicon, Alabama, South, Dallas

AdvertisementAdvertisementFor Love & Money is a biweekly column from Insider answering your relationship and money questions. Our columnist says it's not too late to find a balance between financial security and happiness. Write to For Love & Money using this Google form. AdvertisementAdvertisementBeing a grownup is hard work, so choose hard work that feels worthwhile to you. Write to For Love & Money using this Google form.

Persons: it's, I've, Jo, toiling, you'll, —, you've Organizations: Service Locations: Wall, Silicon

☆ I bought a fixer-upper for a fraction of what I could afford. Now we have new floors and ceilings, and I'm thrilled to pay just $770 a month.
▼ + stars: | 2023-09-09 | by ( Sarah Sharkey | Avril Ayers | Read More | ) www.businessinsider.com time to read: +5 min

My husband and I bought a house in 2020, and we decided to stick to a mortgage payment of $700. Here's how we decided on how large of a mortgage payment we could afford. Why we kept our numbers conservativeBased on the 28% rule, our income could have supported a much larger mortgage payment. In my opinion, opting for a smaller mortgage payment than we could technically afford opened up more room for financial flexibility. Since closing three years ago, our mortgage payment has grown to around $770 per month.

Persons: we've, you'll, that's, homeownership Organizations: Service Locations: Wall, Silicon

☆ I felt cheap leaving my kids at home to see Taylor Swift, but now that the Eras Tour is coming to movie theaters I'm glad I saved the money
▼ + stars: | 2023-09-08 | by ( Olivia Christensen | Avril Ayers | Read More | ) www.businessinsider.com time to read: +6 min

I've been a Taylor Swift fan for years, and I was thrilled to see the Eras Tour, but I didn't take my kids. Stephanie explains that Taylor Swift and I are the same age; we both have curly hair and a penchant for writing. I saw Taylor Swift on the Eras Tour, and I had to make some difficult budgeting decisions to make it work, but now that the tour is coming to theaters, I'm glad I did. I'm thrilled to be able to take them to see the movieAnd then Swift announced her "Eras Tour" concert movie. And that'll be okay, because I'll probably be more interested in rewatching the "Eras Tour" movie for the 300th time anyway.

Persons: I've, Taylor Swift, Stephanie, Taylor, Swift, pang, weren't, I'd, hadn't selfishly, I'm, they'll Organizations: Service, Ticketmaster Locations: Wall, Silicon, I'm

When my wife and I bought our first home, we could afford it because of down payment assistance. Fortunately, we found a down payment assistance program that made buying a home possible. Even if the community where you wish to purchase doesn't offer DPA, every state has a down payment assistance program. For example, San Francisco's Downpayment Assistance Loan Program gives loans up to 200% of AMI. The person on the other end of the line will likely be an excellent resource on local DPA programs.

Persons: San Organizations: Service, AMI, Local Locations: Wall, Silicon, California, New York, San Francisco

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