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Submission: On November 27 via api from AU — Scanned from AU
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Email Password Forgot Password? Log In OR Close SIGN UP FOR A MONEY ACCOUNT AND START CREATING A RICHER LIFE. Email By clicking "Continue" I agree to receive newsletters and promotions from Money and its partners. I agree to Money's Terms of Use and Privacy Notice and consent to the processing of my personal information. Continue <BACKENTER YOUR NAME First Name Last Name By clicking "Continue" I agree to receive newsletters and promotions from Money and its partners. I agree to Money's Terms of Use and Privacy Notice and consent to the processing of my personal information. Continue <BACKENTER A PASSWORD Password Toggle Password * One Uppercase Letter * One Number * Minimum of eight characters By clicking "Continue" I agree to receive newsletters and promotions from Money and its partners. I agree to Money's Terms of Use and Privacy Notice and consent to the processing of my personal information. This site is protected by reCAPTCHA and the Google Privacy Policy and Terms of Service apply. Create Account Toast Message Close WELCOME TO START EXPLORING THE BEST PERSONAL FINANCE CONTENT! * Credit Main Menu * Credit * * Credit Repair * Building Credit * Credit Report * Credit Score * * Identity Theft Protection * Credit Monitoring * Collections * Bankruptcy * Insurance Main Menu * Insurance * * Pet Insurance * Life Insurance * Long-Term Care Insurance * Travel Insurance * RV Insurance * * Motorcycle Insurance * Car Insurance * Homeowners Insurance * Health Insurance * Dental Insurance * Loans Main Menu * Loans * * Student Loans * Student Loan Refinance * Small Business Loans * Auto Refinance * Auto Loans * Personal Loans * Mortgages Main Menu * Mortgages * * Home Equity Loans * VA Loans * Mortgage Refinance * Reverse Mortgage * Mortgage Lenders * Mortgage Rates * Credit Cards Main Menu * Credit Cards * * Best Credit Cards * Travel Credit Cards * Cash Back Credit Cards * Rewards Credit Cards * Credit Cards for Students * Banking & Investing Main Menu * Banking & Investing * Banking * Best Banks * High-Yield Savings Accounts * Investing * Gold * Cryptocurrency * Online Stock Trading Apps * Retirement * IRAs * Retirement Planning * Featured Main Menu * Featured * * Best Colleges * Best Places to Live * Best Places to Travel * Best Banks * Best Hospitals * Changemakers * * Jobs by ZipRecruiter * More Main Menu * More * * Business * Career Advice * Economy & Politics * Education * Health & Wellness * Housing * Lifestyle * * Personal Finance * Pets * Professional Services * Shopping * Taxes * Technology Subscribe to our Newsletter est. 1972 featured New FAFSA Will Help Millions of Students Get More Pell Grant Money for College Student Financial Aid 8 min read This year's FAFSA will also have fewer questions and more streamlined design. Top Stories 4 Reasons It's Actually a Good Time to Buy a House (for Some People) Home Buying 8 min read 2024 Tax Brackets: IRS Increases Income Thresholds, Standard Deduction Due to Inflation Income Tax 4 min read Trending How to Get a Free Turkey for Thanksgiving Holiday Shopping 8 min read The IRS Is Resuming Debt Collections. Here's What to Do if You Can't Pay Your Taxes Tax Relief 10 min read Black Friday Can Actually Be a Great Time to Find Deals on New Cars This Year Vehicles 7 min read Top 10 Big Cities With the Most Affordable Home Prices Right Now Home Prices 3 min read Our Rankings 6 Best Credit Repair Companies of November 2023 9 Best Home Equity Loans of November 2023 Best Long-Term Care Insurance Companies of November 2023 7 Best Identity Theft Protection Services of November 2023 10 Best Pet Insurance Companies of November 2023 MONEY'S BEST BEST BANKS OF 2023 - 2024 Best Colleges 2023 Best Places to Travel Presented by Changemakers Presented by Best Hospitals Explore Our Categories Categories * Credit * Insurance * Loans * Identity Theft * Mortgages * Credit Cards * Investing * Banking Featured Categories * Credit Repair HOW TO REMOVE VERIZON COLLECTIONS FROM YOUR CREDIT REPORT How to Remove Verizon Collections from Your Credit Report * Student Loans STUDENT LOAN SERVICERS ORDERED TO REFUND MANY BORROWERS AFTER WIDESPREAD BILLING ERRORS Student Loan Servicers Ordered to Refund Many Borrowers After Widespread Billing Errors * Home Equity Loans 9 BEST HOME EQUITY LOANS OF NOVEMBER 2023 9 Best Home Equity Loans of November 2023 * Long-Term Care Insurance WHY HIGH INTEREST RATES ARE GOOD NEWS FOR LONG-TERM CARE INSURANCE Why High Interest Rates Are Good News for Long-Term Care Insurance * Identity Theft Protection ID WATCHDOG IDENTITY THEFT PROTECTION REVIEW ID Watchdog Identity Theft Protection Review STUDENT LOAN PAYMENTS ARE BACK FOR THE FIRST TIME SINCE 2020 Prev Next * WHAT ACTUALLY HAPPENS IF YOU DON'T PAY YOUR STUDENT LOAN BILLS? min read What Actually Happens if You Don't Pay Your Student Loan Bills? * HOW TO REFINANCE STUDENT LOANS IN 9 STEPS min read How to Refinance Student Loans in 9 Steps * THE PROMISE OF STUDENT LOAN FORGIVENESS ENCOURAGED BORROWERS TO SPEND MORE: POLL min read The Promise of Student Loan Forgiveness Encouraged Borrowers to Spend More: Poll * GUIDE TO COLLEGE GRANTS AND SCHOLARSHIPS min read Guide to College Grants and Scholarships * 7 BEST STUDENT LOAN REFINANCE COMPANIES OF OCTOBER 2023 min read 7 Best Student Loan Refinance Companies of October 2023 * HOW TO PAY FOR COLLEGE min read How to Pay for College * BEST COLLEGES 2023 min read Best Colleges 2023 * ARE YOU SAVING ENOUGH FOR RETIREMENT? MAKE A PLAN NOW Prev Next * MILLENNIALS VS. BOOMERS: WHO’S DOING A BETTER JOB SAVING FOR RETIREMENT? min read Millennials vs. Boomers: Who’s Doing a Better Job Saving for Retirement? * RETIREES ARE NOT CONFIDENT THEY'LL BE ABLE TO AFFORD LONG-TERM CARE: POLL min read Retirees Are Not Confident They'll Be Able to Afford Long-Term Care: Poll * THIS INVESTING STRATEGY COULD BE THE KEY TO A BETTER LIFESTYLE IN RETIREMENT min read This Investing Strategy Could Be the Key to a Better Lifestyle in Retirement * MANY SAVERS ARE CALCULATING RETIREMENT GOALS 'OFF THE TOP OF THEIR HEAD' min read Many Savers Are Calculating Retirement Goals 'Off the Top of Their Head' * EVEN MILLIONAIRES ARE AFRAID THEY'LL OUTLIVE THEIR RETIREMENT SAVINGS min read Even Millionaires Are Afraid They'll Outlive Their Retirement Savings * MORE CASH-STRAPPED AMERICANS ARE RAIDING THEIR 401(K)S: REPORT min read More Cash-Strapped Americans Are Raiding Their 401(k)s: Report * * * JUNE 2023 * MARCH 2023 * DECEMBER 2022 * SEPTEMBER 2022 * JULY 2022 * MAY 2022 * APRIL 2022 * FEBRUARY 2022 * DECEMBER 2021 * OCTOBER 2021 * JULY 2021 * SEPTEMBER 2021 Prev Next * Cover stories THE BEST COLLEGES IN AMERICA 2023 Read Story * Cover stories THE BEST PLACES TO TRAVEL IN 2023 Read Story * Cover stories MEET THE CHANGEMAKERS: 50 INNOVATORS SHAPING AMERICANS' FINANCES Read Story * Cover stories ATLANTA IS THE BEST PLACE TO LIVE IN THE U.S. Read Story * Cover stories AN OPAQUE WEB OF CREDIT REPORTS IS TRACKING EVERYTHING YOU DO Read Story * Cover stories THE BEST COLLEGES IN AMERICA Read Story * Cover stories WHAT’S A REAL ESTATE AGENT WORTH? Read Story * Cover stories THE FACES OF PERSONAL FINANCE ARE CHANGING Read Story * Cover stories 22 WAYS TO HAVE THE BEST MONEY YEAR OF YOUR LIFE Read Story * Cover stories TO HAVE AND TO HODL: WELCOME TO LOVE IN THE AGE OF CRYPTOCURRENCY Read Story * Cover stories GEN Z IS REWRITING THE RULES FOR PERSONAL FINANCE IN REAL TIME. THAT'S GOOD, RIGHT? Read Story * Cover stories THE BEST PLACES TO LIVE IN AMERICA Read Story Full Archive MOST RECENT Prev Next * BLACK FRIDAY GIFT GUIDE 2023: GIFT IDEAS FOR THE WHOLE FAMILY Shopping 5 min read Black Friday Gift Guide 2023 Black Friday Gift Guide 2023: Gift Ideas for the Whole Family * BLACK FRIDAY CAN ACTUALLY BE A GREAT TIME TO FIND DEALS ON NEW CARS THIS YEAR Vehicles 7 min read New car deals are back as inventory improves and dealerships push to reach end-of-year sales goals. Black Friday Can Actually Be a Great Time to Find Deals on New Cars This Year * TOP 10 BIG CITIES WITH THE MOST AFFORDABLE HOME PRICES RIGHT NOW Home Prices 3 min read These metro areas in the Midwest and South are full of listings for around $300,000 or less. Top 10 Big Cities With the Most Affordable Home Prices Right Now * HOW TO GET A FREE TURKEY FOR THANKSGIVING Holiday Shopping 8 min read Gobble up these free turkey deals, available to customers who hit minimum spending requirements. How to Get a Free Turkey for Thanksgiving * THE IRS IS RESUMING DEBT COLLECTIONS. HERE'S WHAT TO DO IF YOU CAN'T PAY YOUR TAXES Tax Relief 10 min read The IRS is generally willing to work with you — and even reduce penalties — so long as you proactively reach out. The IRS Is Resuming Debt Collections. Here's What to Do if You Can't Pay Your Taxes * IT’S THE BEST TIME OF YEAR FOR BITCOIN PRICES Bitcoin 8 min read Bitcoin prices have doubled already in 2023, and now we're in a time of year when major spikes have happened. It’s the Best Time of Year for Bitcoin Prices * HOW TO TELL WHETHER A BLACK FRIDAY SALE IS 'WORTH IT' Holiday Shopping 7 min read The National Retail Federation estimates that spending will "reach record levels" in November and December. How to Tell Whether a Black Friday Sale Is 'Worth It' * HOME SALES RISE AS MORE SELLERS CUT PRICES AND GRANT CONCESSIONS TO BUYERS Home Selling 4 min read Home sellers are compromising to attract buyers in an environment dominated by high mortgage rates. Home Sales Rise as More Sellers Cut Prices and Grant Concessions to Buyers * WILL THERE BE A RECESSION IN 2024? HERE'S WHAT ECONOMISTS PREDICT Recession 6 min read Concerns are focused mostly on the consequences of the Federal Reserve's inflation-busting interest rate hikes. Will There Be a Recession in 2024? Here's What Economists Predict * THIS UNDERUTILIZED HSA PERK CAN SUPERCHARGE YOUR SAVINGS Personal Finance 4 min read The average HSA balance for people who invested their contributions is $18,362 — more than seven times the size of the average non-invested account. This Underutilized HSA Perk Can Supercharge Your Savings * HERE’S WHAT’S GETTING CHEAPER (AND MORE EXPENSIVE) AS INFLATION EASES Inflation 6 min read The inflation rate has flattened out, but not all expenses are getting cheaper. Here’s What’s Getting Cheaper (and More Expensive) as Inflation Eases * CURRENT MORTGAGE RATES Mortgage Rates 15 min read The 30-year fixed-rate mortgage averaged 7.44% this week, according to Freddie Mac. Current Mortgage Rates FEATURED FIND THE BEST LIFE INSURANCE POLICY TO PROTECT YOUR LOVED ONES Launch Tool POPULAR CATEGORIES * Investing * Employment * Mortgage & Refinance * Family Finance * Retirement * Credit Cards * Insurance * Shopping * Banking CALCULATORS MAXIMIZE YOUR SAVINGS WITH OUR CALCULATORS * Home Affordability * Mortgage * Refinance * Debt-to-Income * HOW MUCH HOME CAN I AFFORD? GET STARTED * HOW MUCH WILL MY MORTGAGE PAYMENT BE? GET STARTED * HOW MUCH CAN I SAVE BY REFINANCING? GET STARTED * WHAT IS MY DTI RATIO? GET STARTED NEWSLETTERS YOUR TRUSTED SOURCE OF MONEY NEWS & RESOURCES NOW IN YOUR INBOX! Stay ahead of your finances. Subscribe to our Newsletters. Subscribe READ THE LATEST FROM THE MONEY TEAM Prev Next * Adam Hardy BIO ADAM HARDY LATEST FROM ADAM THE IRS IS RESUMING DEBT COLLECTIONS. HERE'S WHAT TO DO IF YOU CAN'T PAY YOUR TAXES 10 min read * Andrea Agostini Ferrer BIO ANDREA AGOSTINI FERRER LATEST FROM ANDREA WHAT FOODS CAN DOGS EAT? | MONEY 17 min read * Julia Glum BIO JULIA GLUM LATEST FROM JULIA HOW TO TELL WHETHER A BLACK FRIDAY SALE IS 'WORTH IT' 7 min read * Amarilis Yera BIO AMARILIS YERA LATEST FROM AMARILIS WHAT IS A SECURED CREDIT CARD? | MONEY 11 min read * Leslie Cook BIO LESLIE COOK LATEST FROM LESLIE CURRENT MORTGAGE RATES 15 min read * Kaitlin Mulhere BIO KAITLIN MULHERE LATEST FROM KAITLIN NEW FAFSA WILL HELP MILLIONS OF STUDENTS GET MORE PELL GRANT MONEY FOR COLLEGE 8 min read * Gabriel O. Rodriguez Cruz BIO GABRIEL O. RODRIGUEZ CRUZ LATEST FROM GABRIEL BEST MORTGAGE REFINANCE COMPANIES OF 2023 | MONEY 28 min read * Kat Tretina BIO KAT TRETINA LATEST FROM KAT 10 BEST PET INSURANCE COMPANIES OF NOVEMBER 2023 | MONEY 32 min read * Paul Reynolds BIO PAUL REYNOLDS LATEST FROM PAUL BEST BANKS FOR SMALL BUSINESSES 12 min read * Carlos Silva BIO CARLOS SILVA LATEST FROM CARLOS 13 BEST CREDIT CARDS OF NOVEMBER 2023 | MONEY 53 min read * Taína Cuevas BIO TAÍNA CUEVAS LATEST FROM TAÍNA 7 BEST CREDIT CARDS TO BUILD CREDIT IN 2023 | MONEY 22 min read * Fernando García Delgado BIO FERNANDO GARCÍA DELGADO LATEST FROM FERNANDO 5 BEST TAX RELIEF COMPANIES OF 2023 | MONEY 29 min read * Joan Pabón BIO JOAN PABÓN LATEST FROM JOAN 5 BEST SMALL BUSINESS LOANS OF 2023 | MONEY 36 min read * Gabriel Sánchez Vissepó BIO GABRIEL SÁNCHEZ VISSEPÓ LATEST FROM GABRIEL LENDINGTREE HELOC REVIEW | MONEY 11 min read * Kristen Bahler BIO KRISTEN BAHLER LATEST FROM KRISTEN HOW TO GET A SMALL BUSINESS LOAN | MONEY 10 min read * Mike Ayers BIO MIKE AYERS LATEST FROM MIKE PUBLIC'S FIRST-EVER RETAIL INVESTOR CONFERENCE FEATURES CATHIE WOOD, CHRIS EVANS AND OTHERS ON WEDNESDAY 2 min read * Brad Tuttle BIO BRAD TUTTLE LATEST FROM BRAD THE BEST BASKETBALL HOOPS FOR YOUR MONEY 26 min read * José Omar Rodríguez BIO JOSÉ OMAR RODRÍGUEZ LATEST FROM JOSÉ 5 BEST HOMEOWNERS INSURANCE COMPANIES OF AUGUST 10 min read * * TRY OUT THESE COOL PRODUCTS * HAS YOUR DATA BEEN BREACHED? Protecting your money and assets starts with keeping your data safe. Check for breaches * LIFE INSURANCE FINDER Help protect your family by making the right choice for your Life Insurance Provider. Find Provider * HOMEBUYER CHALLENGE 10x New York Times Bestselling Author David Bach gives you the tools to buy a home. 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