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IRA & RETIREMENT
  • If your company does not offer a 401(k) match, you can choose between your company's 401(k) and an IRA based on which has better investment choices and lower fees.
  • If you contribute $5,000 to an IRA every year beginning at age 25, you could potentially accumulate $1.6 million by age 70 - Assume an annual rate of return of 7%.
  • Employee 401(k) contributions for 2023 is up to $22,500 — a $2,000 increase from the $20,500 cap for 2022. Plan participants age 50 or older can contribute an additional $7,500, up $1,000 from 2022.
  • For 401(k) contributions, employees ages 50 and older are eligible to contribute up to $22,000 to their traditional tax-deferred 401(k) in 2009, $5,500 more than younger workers.
  • Do not put 100% of your retirement savings into CDs, it will guarantee failure.
  • You need to work at least 10 years in your life to become eligible for retirement benefits.
  • The earliest age at which you can begin getting Social Security retirement benefits is 62 for women and 65 for men. However, the full retirement age is 66 if you were born between 1943 and 1954; 66+ if you were born between 1955 and 1959; and 67 if you were born in 1960 or later. You will receive a reduced benefit if you elect benefits prior to your full retirement age.
  • As of 8/2022 the Social Security tax, which is applied to the first $147,100 of a worker's wages, is 12.4%, of which workers pay half and their employers pay the other half.
  • As of 8/2012 the Social Security tax, which is applied to the first $110,100 of a worker's wages, is 12.4%, of which workers pay half and their employers pay the other half. The Social Security tax rate for workers was reduced to 4.2 % since 2011, and this tax rate will be returned to 6.2% in January 2013.
  • As of 8/2022, the average retired worker receives $1,830.66 each month – about 8 percent more than Social Security recipients as a whole.
  • As of 8/2012, monthly Social Security benefits average $1,235 for retired workers. Around 56 million people now collect Social Security benefits, and it is projected that this number will grow to about 91 million in 2035.
  • A nonworking spouse can receive up to 50% of a retired worker's full benefit.
  • The U.S. government estimates the Social Security trust fund will run dry in 2033.
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    SCAM AWARENESS
  • Telemarketing Fraud: Someone you do not know contacts you to ask for your personal and financial information.
  • Tax Return Fraud: Tax return fraud is becoming a bigger and bigger problem every year. Most people panic when they find out they are a victim, and for a good reason.
  • Phishing: E-mails that appear to be sent from a well-known source to attempt to get your sensitive information such as birthday, social security number, usernames/passwords of your bank account and/or credit card details.
  • Internet Merchandise Fraud: Goods are either not delivered or misrepresented.
  • Classified Ad and Auction Site Scams: Criminals post ads for goods that don't exist and steal consumers' credit card or bank account information.
  • Employment/Job Scams: Fake job offered in exchange for an up-front fee and/or personal information, such as social security number and birthday.
  • False Charities: Organizations tricked consumers into giving by claiming that donations would support police or firefighters in the line of duty, people in a disaster area, or that the donations would assist military families serving in overseas, and by misleading consumers about how much of the money would go to those causes. Actually they collect money but don't use it for these philanthropic purposes.
  • Fake Checks: Consumers given mysterious checks and are asked to call back to receive money after paying a fee and/or providing ban account or credit card information. These phony checks that often came in connection with a foreign business or work-at-home offer, or notice that the caller had won a foreign lottery.
  • Gift Card Scams: Fake gift cards sold to people who buy cards through online auction or classified sites.
  • Work-at-Home Scams: Posting advertisements for work-at-home employment that were actually ploys to collect fees for “applications,” or “background checks,” or to steal consumers' identity information.
  • Nigerian Letter Fraud: Criminals send you a letter from Nigeria or overseas offered the recipient the "opportunity" to share in a percentage of millions of dollars after paying an advance fee.

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  • INTERESTING QUOTES
  • "Money has given me the independence to do what I love daily. Beyond that it has no real utility for me but has enormous utility for others. That is why I'm giving it away." - Warren Buffett
    • “The other approach, of course, if you can’t save money, is to be really nice to your kids.” - Dan Ariely.
  • "If nobody knows nothing, you own everything." - John Bogle
    • “Know what you are doing, avoid get-rich-quick schemes, do your homework, don’t bet the ranch.” - Leon Black.
  • "There is nothing emotional about money; you need to have a sound basis for what you buy or own." - Meredith Whitney
    • "My father warned me never to move into the neighborhood of poverty” - Ben Stein: Staying Out Of Bad Money Neighborhoods
    • “Pay attention to the big themes, because that’s what will help you earn ten times your money.” - Barry Sternlicht
  • "Don't put your eggs in one basket" - Larry Kotlikoff.
    • "Sometimes to make money you have to spend it, whether that’s paying for college, buying a house, buying a good stock or investing in a business.” - Kelly Phillips Erb.
  • "First, you have to be very concentrated, develop an expertise like many entrepreneurs do and secondly, you have to get your hands on somebody else's money." - Bruce Greenwald.
    • “Money enables you to put bread on the table at first, but it also enables you to give back in a big way.” - Leon Cooperman.
    • “The best thing you can do with your money in your 20s is to not make mistakes.” - Alexa von Tobel.
    • “If you are going to be a passive, minority investor, don’t do it with borrowed money." - Marty Whitman.



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    Basic Bank Info
    • Types of Bank Accounts: Different types of bank accounts serve different needs. Most banks and credit unions offer the following account types: savings accounts, checking accounts, money market accounts, certificates of deposit (CDs), and retirement accounts.
    • Checking Account: A checking account is a federally insured bank account that allows easy access to the money you keep in it, and earn interest on it. You can have your paycheck deposited directly into it, make payments online or write a physical check to pay bills, make purchases and withdraw cash.
    • Savings Account: A savings account is a bank account that allows you deposit, withdraw, and earn interest on your money. It's a federally insured account used for keeping money for a later date, and separate from everyday spending cash withdrawn from a checking account.
    • Annual Percentage Rate (APR): The APR is the annual rate of interest charged to borrowers and paid to investors.
    • Annual Percentage Yield (APY): The APY is the effective annual rate of return earned on a savings deposit or investment taking into account the effect of compounding interest.
    • Certificate of Deposit (CD): A CD is a product offered by consumer financial institutions (e.g.; banks, credit unions) that provides an interest rate premium in exchange for the customer agreeing to leave a lump-sum deposit untouched with a fixed interest rate and fixed date of withdrawal for a predetermined period of time. The maturity date is when money from the CD can be withdrawn, otherwise a penalty is charged if the money is taken out earlier.
    • CD Ladder: A CD ladder is a strategy in which the lump-sum deposit is divided into equal amounts and invested them in CDs with different maturity dates (e.g.; $10,000 in a one-year CD; $10,000 in a two-year CD; $10,000 in a three-year CD, $10,000 in a four-year CD, and $10,000 in a five-year CD).
    • CD Calculator: This Certificate of Deposit (CD) calculator can assist in determining accumulated interest earnings on CDs over time.
    • Retirement Accounts: Retirement account offers 401(k) Plans, Individual Retirement Accounts (IRAs), Roth IRAs, Roth 401(k), SIMPLE IRA, and SEP IRA.
    • 401(k) Plan: A 401(k) is a retirement savings plan that allows eligible employees of a company to save and invest some money from their paycheck before taxes are taken out; taxes are not paid until the money is withdrawn from the 401(k) account.
    • Individual Retirement Account (IRA): An IRA is a place where you can keep money for long-term savings, like retirement. There are two types of IRAs; Traditional IRA are set up to provide you with a tax break for the year you put funds into it; Roth IRAs are designed to give you tax-free money later, you won’t receive a tax break on the amount of money you put into the account. At age 59 and 1/2, when you take out the money you may have to pay taxes on them from the Traditional IRA account, and you won’t be charged taxes on the Roth IRA account.
    • IRA CD: An IRA CD is simply an IRA where all the money is invested in CDs holding in a Traditional IRA or Roth IRA, offering tax advantages.
    • Jumbo CD: Jumbo CD is a CD that traditionally require a minimum balance of $100,000. In exchange for the higher minimum, these CDs may have a slightly higher interest rates than a regular CD.
    • Money Market Account: These are similar to having a savings and checking account rolled into one account. Most money market accounts pay a higher interest rate than regular checking and savings accounts, and often allow you to pay bills and withdraw money, but the account holder could be limited to a certain number of transactions each month. Money market accounts also have a minimum balance and monthly fees, but are backed by the FDIC. It's not money market funds, which are often used in brokerage accounts and are not backed by the FDIC.
    • Renewal Grace Period: This is the time a consumer financial institution (e.g.; banks, credit unions) gives you before rolling over your current CD into one of the same maturity.
    • 529 Plan: A 529 plan, legally known as “qualified tuition plans,” is a tax-advantaged savings plan designed to encourage saving for future education costs. 529 plans are sponsored by states, state agencies, or educational institutions and are authorized by Section 529 of the Internal Revenue Code.
    • Active Banks: There are 4,236 active FDIC-insured commercial banking institutions with 72,166 commercial bank branches in the U.S. as of 3/2023; most banks have at least one physical branch, and some have dozens or hundreds.
    • FDIC vs NCUA: Federal Deposit Insurance Corporation (FDIC) only insures deposits in banks; credit unions have their own insurance fund, run by the National Credit Union Administration (NCUA).

    How to Choose a Bank


    • Fees and Rates: A consumer financial institution (e.g.; bank, credit union) might charge fees for monthly bank account maintenance, ATM use, overdrafts, transferring money between accounts and sending you paper statements, you should look for a bank or credit union that offers no fee or lower fees.
    • Credit Card or Loan: If you’re looking for a consumer financial institution for a credit card or loan, you should compare interest rates for credit cards and loans and the rates you would earn on deposit accounts.
    • Advanced Technology: If you don’t want to step into a consumer financial institution, you should look for a bank or a credit union that helps you stay on track with your money, offers securely remote check deposits, makes online payment and transfers money securely and easily.
    • Money Safety: If you do not want to lose your money when a bank or a credit union files for bankruptcy, you should look for consumer financial institutions whose deposits are backed by the Federal Deposit Insurance Corp or the National Credit Union Administration, which insure balances of up to $250,000.
    • Electronic Funds Transfer Act: If you didn’t lose your debit card and money disappears from that account, you are not liable for any charges if you report the theft within 60 days. If you wait more than 60 days you won’t get all the money back.

    Did You Know?


    1. Banks typically invest heavily in government bonds, and hold many public bonds (on average 9% of their assets), particularly in less financially‐developed countries. Rising interest rates have caused the price of such bonds to fall, feeding investor concerns that other banks might also be vulnerable.
    2. Federal rules require banks to reimburse customers for payments made without their authorization (e.g., hackers), but not when customers themselves make the transfer. If the bank won't refund the money, customers can ask the Consumer Financial Protection Bureau (CFPB) for help; most banks respond within 15 days.
    3. Taxpayers don’t face an interest penalty for underpayment of the balance due is under $1,000 after their credits and other tax account information is factored in. The IRS will not charge taxpayers an underpayment penalty if:
      • They pay at least 90% of the tax they owe for the current year, or
      • They owe less than $1,000 in tax after subtracting withholdings and credits, or
      • They paid 100% of the tax they owed for the previous tax year.
    4. The IRS announced the federal income tax brackets for tax year 2024 rates and corresponding annual income amounts:
      • 37% for incomes over $609,350 ($731,200 for married couples filing jointly)
      • 35% for incomes over $243,725 ($487,450 for married couples filing jointly)
      • 32% for incomes over $191,950 ($383,900 for married couples filing jointly)
      • 24% for incomes over $100,525 ($201,050 for married couples filing jointly)
      • 22% for incomes over $47,150 ($94,300 for married couples filing jointly)
      • 12% for incomes over $11,600 ($23,200 for married couples filing jointly)
      • 10% for incomes of $11,600 or less ($23,200 for married couples filing jointly)
    5. The IRS reminds people to remain alert to aggressive and threatening phone calls by criminals impersonating IRS agents. These con artists claim to be IRS employees, but are not. They use fake names and bogus IRS identification badge numbers and try sound convincing when they call. They may know a lot about their targets, and they usually alter the caller ID to make it look like the IRS is calling. The victims are told they owe money to the IRS and must pay it promptly through a preloaded debit card or wire transfer. If the victim refuses to cooperate, they are often threatened with arrest. In many cases, the con artists becomes hostile and insulting. Alternately, victims may be told they have a refund due to try to trick them into sharing private information. If the phone isn’t answered, the phone scammers often leave an “urgent” call-back request. The IRS doesn't do business like that.
    6. The IRS and its authorized private collection agencies never call you to demand immediate payment using a specific payment method (e.g.; a prepaid debit card, bank account, gift card, wire transfer), never ask for credit or debit card numbers over the phone, and never threaten to immediately bring in local police or other law-enforcement groups to have the taxpayer arrested for not paying. The IRS does not use these methods for tax payments. You should safeguard your personal information at all times, and don't let the convincing tone of scam calls to lead you to provide personal or credit card information, just hang up and avoid becoming a victim to these criminals.
    7. IRS will never call to demand immediate payment and will never call about taxes without having first mailed a paper version of the bill; they will never require a specific payment method, such as a prepaid debit card, or gift card, and will never request credit or debit card numbers over the phone; and they would not threaten for local police, or another law enforcement agency, to arrest you for non-payment.
    8. In the U.S. people are eligible to receive Social Security retirement benefits if they are 62 or older and they have paid Social Security taxes for at least 10 years. The retirement age gradually increases by a few months for every birth year, until it reaches 67 for people born in 1960 and later. The retirement benefit is calculated based on the average income earned during their 35 highest-earning years, indexed for wage inflation; when the Social Security Administration calculates the payout, for a year that had no income, it is counted as zero. As of December 2022 the average monthly benefit for retired-worker beneficiaries was:
      • $1,274.87 for 62-year-olds
      • $1,719.85 for 66-year-olds
      • $1,946.34 for 71-year-olds
    9. The 2023 tax rate for Social Security in the U.S. is 6.2% for the employer and 6.2% for the employee, or 12.4% total; the Social Security wage base is $147,000 for employers and employees.
    10. The current rate for Medicare in the U.S. is 1.45% for the employer and 1.45% for the employee, or 2.9% total; employers are also responsible for withholding the 0.9% Additional Medicare Tax on an individual's wages paid in excess of $200,000 in a calendar year.
    11. Banks often invest heavily in bonds, rising interest rates have caused the price of such bonds to fail, feeding investor concerns that banks might also be vulnerable.
    12. Bonds have an inverse relationship to interest rates, when the cost of borrowing money rises (when interest rates rise), bond prices usually fall, and vice-versa.
    13. In 2021 people sent $490 billion through Zelle, compared with $230 billion through Venmo; and in 2020, nearly 18 million Americans were defrauded through scams involving Zelle, digital wallets and other instant payment applications, and the 1,425 banks and credit unions that use Zelle are aware of the widespread fraud on Zelle. The Consumer Financial Protection Bureau issued a policy required each participant institution to provide full refunds for Zelle transactions determined to be unauthorized within the meaning of the Electronic Fund Transfer Act (EFTA) and Regulation E. Banks have to reimburse customers for losses on transfers that were “initiated by a person other than the consumer without actual authority to initiate the transfer,” including those who obtain a victim’s device through fraud or robbery.
    14. Zelle was created and owned by seven banks, Bank of America, Capital One, JPMorgan Chase, PNC, Truist, U.S. Bank and Wells Fargo, to enable instant digital money transfers, and the 1,425 banks and credit unions that use Zelle can customize the app and add their own security settings. The Zelle network is operated by Early Warning Services, a company based in Scottsdale, Arizona, responsible for manages the system’s technical infrastructure.
    15. If a credit card starts with the number 4, then it is a Visa credit card (13 or 16 digits), the number 5 is for a MasterCard (16 digits), number 6 is for a Discover card (16 digits), and the number 3 is for a American Express card, a Diners Club card or a Carte Blache card (15 digits). If a credit card that starts with 4147, then it is mostly a Visa credit card associated with Bank of America (Alaska Airlines), Citibank (American Airlines), Citibank (SG), Chase (Sapphire), Chase (Amazon), US Bank Visa Signature, and Wells Fargo Bank.
    16. You might have been seeing an increase in new scams involving phone calls, emails, or texts about suspicious your email account, credit card account, social security account, products, charities, medical advice and treatments, etc. Scammers often seek personal information, donations, money or gift cards to resolve urgent requests like a lawsuit, account block or an arrest of a loved one. They may pretend to be a relative, police officer, IRS agent, FBI agent, government official, or even a hospital representative requesting payment for medical treatment. A phone call scam often threatens you and requests your personal information or bank account information. You should hang up immediately because no bank or government official uses a phone call to request this type of information. A new text message or an email scam often alerts you that your account has been blocked, along with a link to log into your account. You should always check requests to ensure they are legitimate before taking any action. If a request is related to your financial account, you can call your bank directly using the phone number on the back of your card for verification. You can get more information and sign up for scam alerts at FTC.gov.
    17. A text communications from a bank typically does not show a complete phone number as the sender of the text. Shorter codes of 5 or 6 digits are usually used by a bank in the U.S. and could be displayed with or without dashes (e.g.; 410-98, 227-898, 872-265, 248487). If you see a full phone number as the sender of the text, this may be a scam. In addition, when your bank sends an email or a text with a link to log into your account directly from the text, the email address and link will always include (yourbank).com. If you think you may have been a victim of a scam or that your personal information has been compromised, you should call the number on the back of your card (e.g.; ATM, Debit, credit card) so your bank can assist you in securing your account.
    18. Due to the coronavirus disease (COVID-19) pandemic, the Treasury Department and Internal Revenue Service extended the federal income tax filing due date from April 15, 2020, to July 15, 2020. Taxpayers can also defer federal income tax payments due on April 15, 2020, to July 15, 2020, without penalties and interest, regardless of the amount owed. This deferment applies to all taxpayers, including individuals, trusts and estates, corporations and other non-corporate tax filers as well as those who pay self-employment tax.
    19. On March 13, 2020, the White House issued an emergency declaration in response to the ongoing Coronavirus Disease 2019 (COVID 19) pandemic (Emergency Declaration). The U.S. Treasury Department and Internal Revenue Service (IRS) issued guidance allowing all individual and other non-corporate tax filers to defer up to $1 million of federal income tax (including self-employment tax) payments due on April 15, 2020, until July 15, 2020, without penalties or interest.  The guidance also allows corporate taxpayers a similar deferment of up to $10 million of federal income tax payments that would be due on April 15, 2020, until July 15, 2020, without penalties or interest. This guidance does not change the April 15, 2020 filing deadline.
    20. When you get, or give, a gift card, understanding the way the card works can help you avoid surprises. Under federal law, gift cards cannot charge inactivity or service charges for 12 months. After that first year, these fees could start to eat away at your card’s value. A gift card cannot be sold that will expire in less than five years. If you have a gift card that has an expiration date, call the phone number on the card to see if the funds are still available. If the card has expired but the funds are still available, the card issuer must send you a new card at your request, at no cost to you. Your state may provide additional gift card protections and rights. If you believe the gift card issuers do not apply these rules to your gift cards, you can submit a complaint with the Consumer Financial Protection Bureau (CFPB).
    21. Under federal law, when you apply for credit or borrow money, lenders are not allowed to discriminate against you because of race, color, religion, national origin, sex, marital status, age, and/or receiving money from public assistance. Lenders are allowed to ask you for this type of information in some situations, but they can’t discourage you from applying for a loan or a credit card. They can’t reject your application for any of the reasons on the list — or for exercising your rights under certain consumer protection laws. Also, lenders are not allowed to charge higher costs, like a higher interest rate or higher fees, for these reasons either. If you believe you are the victim of credit discrimination, you can submit a complaint with the Consumer Financial Protection Bureau (CFPB).
    22. Credit history is a record of your debts, loan payment history and any public records (e.g.; legal cases). The length of your credit history begins when take out your first loan or open your first credit card. A longer credit history, the less debt you have and the longer you have been making timely payments on your past and existing credit accounts may help you have high scores. Most credit card offers require a good credit, which often doesn't come quickly. Most banks often used FICO scores for over 90% of lending decisions. FICO score ranges from 300 to 850 or 250 to 900, depending on the scoring model — but higher scores can indicate that you may be less risky to lenders. Excellent credit requires seven years of open credit accounts and on-time payments.
    23. Equifax settled around $700 million in individual compensation and civil penalties with the US Federal Trade Commission over its 2017 data breach, which affected 147 million Americans. For those who had to spend time and money as a result of the breach, Equifax can provide larger sums, up to $20,000. Otherwise, you can get 10 years of free credit monitoring -- or $125 if you already have ongoing credit monitoring. If you don't do anything, you relinquish your right to sue Equifax in the future, and you give up on the $125 or 10 years of free credit monitoring provided by the settlement. Your deadline to opt out is November 19, 2019 and your deadline to file a claim based on this settlement is January 22, 2020.
    24. Of the more than 1 million complaints Consumer Financial Protection Bureau (CFPB) has handled since 2011, the top five types of complaints reported by consumers from all 50 U.S. states and D.C. are: debt collection (27%), mortgages (23%), credit reporting (17%), credit cards (10%), and bank accounts or services (10%).
    25. Most student loan borrowers are young adults between the ages of 18 and 39; however, consumers age 60 and older are the fastest growing age-segment of the student loan market; in 2015, they owed an estimated $66.7 billion in student loans.
    26. Paying for college, you may choose a student loan with some options. To be eligible for any federal student loans or grants, you need to fill out the FAFSA form. If your aid package doesn’t cover the full cost of college, you may need to talk to your school’s financial aid office about scholarships or alternative loan options. If you need to borrow to pay for school, federal student loans almost always cost less than private student loans and have more protections when it’s time for repayment. Take subsidized loans first, if you are eligible. The government pays the interest on subsidized loans while you are in school. You pay the interest on unsubsidized loans. Subsidized loans are awarded to students based on financial need. Once you agree to a federal student loan, your interest rate remains the same. Interest rates on private student loans are set by the lender and depend on the lender’s evaluation of your creditworthiness.
    27. A borrower who uses a five-year auto (car) loan to finance $20,000 at a 5 percent interest rate will, after three years, pay $2,190 in interest and have a remaining balance of $8,603. If the same loan is financed over six years at the same interest rate, the borrower will pay about $2,342, which is $152 higher, in interest over the same three-year period and has a remaining balance of $10,747, which is $2,144 higher.
    28. A debt collector may file a lawsuit and win (often by default); as a result, they may be able to seize a car, home or other property after securing a court judgment. However in practice, state and federal law dramatically limit its ability to do so. State exemption laws, which are designed to help protect income and assets from debt collectors, ensure that debtors do not become completely destitute from the payment of debts and to preserve some small amount property for the basic necessities of living.
    29. In 2017 there are 2,043 billionaires, which is up 233 since the 2016 list; their total net worth is $7.67 trillion.
    30. The average credit card rate is 18.9%, but they vary from 0% to more than 50%.
    31. As of 12/2015 there are around 318 million credit card accounts with $2,330 on average spending in the U.S.; the average credit line for new customers with the best credit stands at $9,060.
    32. If you take out a payday loan, you will likely be charged a fee of between $10 and $30 for every $100 borrowed. If payday is in two weeks, a $500 loan costs $150, and $650 will be electronically withdrawn from the borrower's checking account.
    33. Sixty percent of credit card holders with investable assets of $100,000 or more say cash back is their favorite credit card perk while 22 percent said they preferred frequent flier miles.
    34. A FICO score is calculated from credit reports based on payment history (35%), amount owed (30%), length of credit history (15%), new credit (10%) and types of credit used (10%).
    35. Your credit reports document your history of using credit. A longer credit history helps your credit score and is a positive sign to lenders who check your credit report. When you cancel an account, particularly an old one, you shorten your history and could lower your credit score.
    36. Credit reports or credit scores may affect your mortgage rates, car loan rates, credit card approvals, apartment requests, or even your job application. You need to ensure that the information on all of your credit reports is correct and up to date.
    37. 10 places NOT to use your debit card: online, big-ticket items, deposit required, restaurants, you're a new customer, buy now and take delivery later, recurring payments, future travel, gas stations and hotels, and checkouts or ATMs that look 'off'.
    38. Four Risky Places to Swipe Your Debit Card: ATMs, Gas Stations, Web, and Restaurants.
    39. The biggest retirement mistake people make is they stick their money in a bank; the inflation will destroy 50% of savings every 22 years if the money is deposited there. Money needs to put in safe investments.
    40. 46% of Americans have less than $10,000 saved for retirement, and 36% of Americans don’t contribute anything at all to their savings.
    41. Americans working abroad are eligible for the foreign earned income exclusion, which in 2012 exempted the first $95,100 from tax. But even if Americans earn less than that or are paying higher taxes in the country where they are working, they still need to file a tax return with the IRS.
    42. Your credit score, which ranges from 300 to 990, is calculated in a weighted formula using the available information in your credit report. The FICO credit score ranges between 300 and 850. The VantageScore score ranges from 501-990. 35% of the score is based on your payment history; 30% of the score is based on outstanding debt; 15% of the score is based on the length of time you've had credit; 10% of the score is based on the number of inquiries on your report; and 10% of the score is based on the types of credit you currently have.
    43. The FICO credit score ranges between 300 and 850, with 623 being the median FICO score of Americans in 2010. The VantageScore score ranges from 501-990. In order to get a mortgage loan, most U.S. banks require a loaner to have a minimum score of 640, and most private mortgage insurance companies do provide mortgage insurance for borrowers with scores below 660.
    44. As of August 2012, the average credit card holder has 4 credit cards, and around 70% of American students have credit cards.
    45. As of May 2011, around 40 percent of US government spending relied on borrowed money.
    46. As of January 2010, around 80% of consumers owned a debit card, compared to 78% who owned a credit card and 17% who owned a prepaid card.
    47. There were about 159 million credit card holders in the United States in 2000, 173 million in 2006, 176.8 million credit card holders in 2008, and estimated 181 million credit card holders in 2010.
    48. It is illegal for debt collectors to make empty threats about serving people with a lawsuit or seizing their home.
    49. If you are contacted by someone who is trying to collect a debt that you do not owe, you should:
      • Contact your local law enforcement agencies if you feel you are in immediate danger;
      • Contact your bank(s) and credit card companies;
      • Contact the three major credit bureaus and request an alert be put on your file;
      • If you have received a legitimate loan and want to verify that you do not have any outstanding obligation, contact the loan company directly;
      • File a complaint at www.IC3.gov.
    50. For older debts, the amount of time collectors can sue for payment varies state by state, and can be anywhere from two to 15 years.
    51. China and Japan are the countries with the two biggest stockpiles of foreign exchange and total-currency reserves. As of the end of December 2011, the total reserve assets of China, Japan, Euro Zone and the U.S. were USD $3.5 trillion, $1.3 trillion, $912 billion, and $149 billion respectively.
    52. In the U.S. as of 11/2011, 34% major banks, 70% community banks, and 78% credit unions offer no-fee checking accounts to their customers; and 77% of total checking account fees that are overdraft charges.
    53. Thirty U.S. companies paid less than zero in federal income taxes in at least one year from 2008 to 2010. These companies, whose pretax U.S. profits totaled $160 billion over the three years, included: Pepco Holdings (Profit: $882M; Tax: –$508M; Rate: -57.6%), General Electric (Profit: $10,460M; Tax: –$4,737; Rate: -45.3%), PG&E (Profit: $4,855M; Tax: –$1,027M; Rate: -21.2%), Computer Sciences (Profit: $1,666M; Tax: –$305M; Rate: -18.3%), DuPont (Profit: $2,124M; Tax: –$72M; Rate: -3.4%), Verizon (Profit: $32,518M; Tax: –$951M; Rate: -2.9%), Boeing (Profit: $9,735M; Tax: –$178M; Rate: -1.8%),Wells Fargo (Profit: $49,370M; Tax: –$681M; Rate: -1.4%), and Honeywell (Profit: $4,903M; Tax: –$34M; Rate: -0.7%).
    54. U.S. financial firms paid about $20.8 billion in bonus for work done in 2010.
    55. In New York City, the average Wall Street salary in 2010 was $361,330, which is more than five times the average salary of a private-sector worker in the city.
    56. During the past 2.5 years, American financial firms generated at least $83 billion in profit.
    57. A debit card, which looks like a credit card but works like an electronic check, allows the cashier to run it through a scanner that enables the financial institution to verify electronically that the funds are available and approve the transaction.
    58. In November 2010, the U.S. government ran a $150.39 billion budget deficit; its income was $148.96 billion, and spending was $299.35 billion. A year ago in November the deficit was $120.29 billion
    59. As of June 1, 2010, the total U.S. public debt outstanding was over $13 trillion. In 1843, the U.S. government set up an account to accept gifts from people wishing to help the country. These days, the money is directed to pay down the country debt. In 2009, people sent $3,063,057. So far this year (June 2010): $2,451,267.
    60. As of the beginning of January 2010, there were about 576.4M credit cards and 507M debit cards in circulation in the U.S.  The average number of credit cards held by cardholders was 3.5, and the average credit card debt per household was $16,007. The credit card default rate was 11.37 percent.
    61. The United States Dollar is the currency in American Samoa (AS, ASM), British Virgin Islands (VG, VGB, BVI), El Salvador (SV, SLV), Guam (GU, GUM), Marshall Islands (MH, MHL), Micronesia (Federated States of Micronesia, FM, FSM), Northern Mariana Islands (MP, MNP), Palau (PW, PLW), Puerto Rico (PR, PRI), United States (United States of America, US, USA), Turks and Caicos Islands (TC, TCA), Virgin Islands (VI, VIR), Timor-Leste, Ecuador (EC, ECU), Johnston Island, Midway Islands, and Wake Island.
    62. On 1 January 1999, the European Monetary Union introduced the euro (€) as a common currency to be used by financial institutions of member countries; on 1 January 2002, the euro became the sole currency for everyday transactions within the member countries .
    63. The countries in the European Union (EU) that use the euro are: Belgium, Germany, Greece, Spain, France, Ireland, Italy, Luxembourg, The Netherlands, Austria, Portugal, and Finland.
    64. European Union countries not using the euro are: Denmark, Sweden, and the U.K.
    65. Other territories using the euro are: Andorra, Monaco, San Marino, The Vatican, Martinique, Guadalupe (Caribbean), Reunion (Indian Ocean), Montenegro, and  Kosovo.
    66. Bank of America, which was established in 1930, was originally Bank of Italy!
    67. As of the end of 2009, there were 270 million Visa credit cards, 82 million Visa debit cards, 203 million MasterCard credit cards, 125 million MasterCard debit cards, 48.9 million American Express credit cards, and 54.4 million Discover credit cards in circulation in the United States.
    68. The United States Dollar is also known as the American Dollar, and the US Dollar. The symbol for USD can be written $. The Federal Government started printing paper currency in 1861.
    69. The United States Mint is in charge of producing the nation's coins, while the Bureau of Engraving has printed banknotes and printing for the Federal Reserve since 1914. Note size used to be very large but switched over to a smaller size in 1928. A million dollars' worth of $100 bills weighs about 22 pounds.
    70. The biggest bill that exists is one for $100,000.  This $100,000 bill was never made available to the public, and was limited to transactions between the Treasury Department and the Federal Reserve. However, it is still legal tender, if anyone can get it.
    71. The issuance of US currency in denominations of five hundred dollars, one thousand dollars, five thousand dollars, and ten thousand dollars was discontinued in 1969 because of declining use.
    72. Flatbush National Bank of Brooklyn was the first bank to issue a credit card in 1946.

    How, What, Where, When & Why


    1. How to Build Credit | Experian
    2. How to Build Credit | TransUnion
    3. How to Build Credit
    4. How to Build Credit and Achieve a Good Credit Score
    5. How to Build Credit Fast: 7 Simple Strategies
    6. How to Build Credit Fast
    7. How to Build Good Credit During College
    8. How to Rebuild Credit
    9. How to Get an Excellent Credit Score
    10. How to Get a Loan from a Bank
    11. How to Get Low Interest Loans
    12. How to Get the Best Car Loan Rates
    13. How to Get the Best Auto Loan Rate | Bankrate
    14. How to Get the Best Car-Loan Rate Despite a Low Credit Score
    15. How to Get the Best Car Interest Rates
    16. How to Get a Low Interest Car Loan
    17. How to Get the Best Mortgage Rate
    18. How to Get a Great Mortgage Rate
    19. How to Get Out of Credit Card Debt
    20. How to Request a Zelle Chargeback
    21. How to Use a Credit Card
    22. How to Use a Credit Card: Best Practices Explained
    23. How to Calculate Interest Rates on Bank Loans
    24. How to Calculate Early or Late Social Security Retirement Benefits | (ssa.gov)
    25. How to Recognize Best Mortgage Rates and How to Get Them
    26. How to Find the Best Mortgage Rates
    27. How to Find out If You're Affected by the Equifax Hack
    28. How to Invest in CDs
    29. How to Solve Problems on Your Bank Account
    30. How to Resolve Discrepancies with Your Bank Account
    31. How to Handle a Bank Dispute
    32. How to Handle a Dispute with Your Bank.
    33. How to Handle a Bank Error
    34. How to Manage an Online Banking Outage
    35. How to Spot Fake Money
    36. How to Cash in Savings Bonds
    37. How to Avoid Bank Fees
    38. How to Identify a Bank Scam to Keep Your Account Safe/a>
    39. How to Open a Business Checking Account with Bad Credit
    40. How to Overcome Financial Stress and Improve Finances
    41. How to Sue a Bank
    42. How to Close a Bank Account | Forbes
    43. How to Close a Bank Account
    44. How to Close a Bank Account After a Death
    45. How to Legally Unfreeze a Frozen Bank Account
    46. How to Protect Bank Account from Garnishment and Creditors
    47. How to Dispute a Debit Card Purchase with a Bank
    48. How to Keep Your Bank Accounts Safe from Fraud
    49. How to Link a Bank Account to My PayPal Account?
    50. How to Live With No Bank Account
    51. How to Choose a Checking Account
    52. How to Fix Mistakes in Your Credit Card Bill.
    53. How to Claim Your Benefits of Equifax Data Breach Settlement
    54. How to Maintain a Good Credit Score
    55. How to Cancel a Credit Card
    56. How to Tell Which Card Number Is What Credit Company?
    57. How to Tell If You Should Close Your Credit Card
    58. How to Help Your Aging Parents When Money Is Tight
    59. How to Help Protect Personal Finances during Coronavirus
    60. How to Be Successful in Finance and Life
    61. How to Choose a Credit Card Processing Company.
    62. How to Avoid Common Mortgage Scams
    63. How to Avoid the 8 Latest Zelle Scams
    64. How to Avoid an Online Payday Loan or Window to a Scam.
    65. How to Rebuild Credit in 7 Steps & How Long It Will Take.
    66. How to Check My Bank Account Is Active or Not Online
    67. How to Check Your Credit Report.
    68. How to Deal with a Low Credit Score
    69. How to Deal with Debt Collection Agencies.
    70. How to Verify Whether or Not a Debt Collector Is Legitimate.
    71. How to Respond to a Debt Collector's Request.
    72. How to Pick a Financial Adviser
    73. How to Have the ‘Money Talk’ With Your Kids
    74. How to Manage Your Money.
    75. How to Pass Generational Wealth Tax Free
    76. How to Report Your Interest Income
    77. How to File Your Federal Taxes
    78. How to Deduct Student Loan Interest on Your Taxes (1098-E)
    79. How to Improve Your Credit Score.
    80. How to Improve Your Credit Score | Bankrate
    81. How to Improve Your Credit Score | Credit.com.
    82. How to Improve Your Credit Score | Investopedia
    83. How to Improve Your Credit Score | State Farm®
    84. How to Improve Your Credit Score.
    85. How to Improve Your Credit Score: Tips & Tricks.
    86. How to Improve Your Credit Score: 5 Tips.
    87. How to Improve Your Credit Score: 8 Tips.
    88. How to Improve Your Credit Score Fast
    89. How to Improve Your Finances at Every Age
    90. How to Improve Your Credit Score Right Away
    91. How to Repair Your Credit and Improve Your FICO ® Scores.
    92. How to Raise Your Credit Score Fast.
    93. How to Check My Credit Score.
    94. How to Order Your Free Credit Reports.
    95. How to Set Up a Debt Repayment Plan in 6 Easy Steps.
    96. How a FICO Credit Score Is Determined
    97. How a Credit Card Is Processed.
    98. How Credit Card Transaction Processing Works: Steps, Fees.
    99. How Long Does It Take to Improve a Credit Score?.
    100. How Is a Car Taxed?
    101. How Is Interest Income Taxed and Reported?
    102. How Are Groceries, Candy, and Soda Taxed in Your State?
    103. How Are Credit Scores Calculated?.
    104. How Do US Taxes Compare Internationally?
    105. How Do Payday Loans Work? Dangers & Payday Loan Alternatives
    106. How Do You Compare Credit Score Ranges?
    107. How Do I Get and Keep a Good Credit Score?.
    108. How Do I Get Over Anxiety About Checking My Bank Account?.
    109. How Do Low and Negative Interest Rates Affect Banks?
    110. How Do I Restore Returns in H&R Block® Business 2019 and Newer?
    111. How Do Brokered CDs Work?
    112. How Does the Average American Live?
    113. How Does a Credit Card Work?
    114. How Does Credit Card Processing Work?.
    115. How Credit Inquiries Affect Your Credit Score
    116. How Credit Card Processing Works for Small Businesses
    117. How Credit Cards Work
    118. How Credit Cards Work | debt.org
    119. How Credit Score Affects Your Mortgage Rate
    120. How Credit Card Processing Works.
    121. How the Credit Reporting Agencies Exclude Latinos, Younger Consumers, Low-Income Consumers, and Immigrants.
    122. How Your Credit Score Impacts Your Financial Future.
    123. How Your Credit Score Affects Car Financing
    124. How US Banks Can Wiggle Out of the $650 Billion Balance-Sheet Bomb Hanging Over Them
    125. How the Federal Reserve Creates Money
    126. How Currency Works
    127. How Coins Are Made: Bringing Coins Into Circulation
    128. How Cash Gets Into Circulation
    129. How Secret Consumer Scores Threaten Your Privacy and Your Future
    130. How Long It Takes to Build Good Credit
    131. How Many Different Taxes Do We Pay?
    132. How Much Do You Really Pay Taxes?
    133. How Much Money Is in Circulation?
    134. How Much Money Should I Keep in My Checking Account?
    135. How Much Does It Cost to Live the Good Life
    136. How Much Does the Good Life Cost?
    137. How Much Does Life Cost?
    138. How Much Are Credit Card Processing Fees?
    139. How Much Is the Social Security Tax and Who Pays It?
    140. How Much Money Can You Inherit Before Paying Taxes?
    141. How Much Inheritance Is Tax-Free? Do I Have to Pay an Inheritance Tax?
    142. How Good Will CD Interest Rates Forecast in 2023?
    143. How High CD Rates Could Go in 2023
    144. How High CD Rates Will Rates Rise in 2023
    145. How Payday Loans Work
    146. How Banks Conduct Transaction Fraud Investigations
    147. How Banks Set Interest Rates on Your Loans
    148. How American Banks Are Responding to Rising Interest Rates
    149. How Washington Mutual (WaMu) Went Bankrupt
    150. How Compound Interest Works and How to Calculate It
    151. How Central Banks Affect Interest Rates
    152. How Fed Hikes May Affect Your Car Loan, Credit Card Rate, Mortgage
    153. How the Federal Reserve's Rate Hike Impacts Student Loan Borrower
    154. How Technology Aims to Make Banking More Accessible
    155. How Different Forms of Debt Affect Our Mental Health
    156. How Zelle Scams Work, and How to Protect Your Money
    157. What Does a Bank Do with Your Personal Information?
    158. What Does Your Credit Report Says About You?
    159. What to Do If Your Identity Is Stolen
    160. What to Do If You're Denied a Bank Account
    161. What to Do If Financial Anxiety Makes You Scared to Check Bank Account
    162. What to Do When Dealing with Overdrafted Your Bank Account.
    163. What to Do When Don’t Recognize that Debt?
    164. What to Do If Your Stimulus Check Was Deposited into a Wrong Bank Account
    165. What to Do If You Can't Pay Your Credit Card Bill
    166. What to Do Before Finalizing Your Financial Resolutions
    167. What to Do When Your Bills Are Due During Coronavirus Pandemic
    168. What to Do After a Data Breach ...
    169. What to Do With Your Cash Now That Interest Rates Are Rising
    170. What to Do When Chase Cancels Your Credit Card
    171. What to Know About Reverse Mortgages
    172. What to Expect from Your Checking Account
    173. What an IRA Is for and How It Works
    174. What Is a Checking Account and How Does It Work?
    175. What Is the Difference Between the Equifax Credit Score and the FICO Score?
    176. What Is a Good Credit Score? | Experian
    177. What Is a Good Credit Score?
    178. What Is a Good Credit Score and How to Get One?
    179. What Is a Good Credit Score for an Auto Loan?
    180. What Is a Credit Score?
    181. What Is a Credit Score? | Transunion
    182. What Is a Credit Score and How Is It Defined?
    183. What Is a FICO Score and How Does It Work?
    184. What Is a FICO Score and How Does It Work? | DaveRamsey
    185. What Is a FICO Score and Why Is It Important?
    186. What Is a FICO Score? | myFICO
    187. What Is a FICO Score?
    188. What Is in Your FICO Score? - How Your FICO Score Is Calculated
    189. What Is a Good FICO Score Range and How to Improve It
    190. What Is a Credit Card Number? - The Meaning of Each Digit
    191. What Is the Difference Between Visa and MasterCard?
    192. What Is a Callable CD?
    193. What Is an IRA CD?
    194. What Is Amortization?
    195. What Is Mortgage Fraud?
    196. What Is a Good Interest Rate on a Car Loan?
    197. What Is a Good Interest Rate?
    198. What Is a Good Interest Rate for a Personal Loan?
    199. What Is Predatory Lending?
    200. What Is Debt Collection?
    201. What Is a Debt Collector and Why Are They Contacting Me?
    202. What Is on Your Credit History Report & Who Checks It?
    203. What Is the Difference Between U.S. Bonds vs. Bills vs. Notes?
    204. What Is the Difference Between a Bond vs. Note Payable?
    205. What Is the Difference Between the FDIC and the NCUA?
    206. What Is a Credit-Builder Loan?
    207. What Is Double Taxation? - How it Works
    208. What Is the Average Tax Rate in the US
    209. What Is the Minimum Interest to Report to IRS?
    210. What Is Inheritance Tax and Who Pays It?
    211. What Is the Current U.S. Inflation Rate?
    212. What Is Medicare Tax?
    213. What Exactly Is Credit Utilization Ratio?
    214. What Are Brokered CDs?
    215. What Are the Pros and Cons of Variable Rate CDs?
    216. What Are Credit and Credit Card Debt?
    217. What Are Your Rights If Your Bank Account Is Frozen?
    218. What Are the Different Types of Credit Cards?
    219. What Are the Main Types of Taxes in the USA?
    220. What Are the Types of Debt?
    221. What Do the Numbers on Your Credit Card Mean?
    222. What Do You Need to Know About Currency Exchange?
    223. What You Need to Know of Best Cash Back Credit Cards
    224. What You Need to Know About Credit Card Processing.
    225. What You Need to Know to Protect Yourself When Dealing with Debt Collection.
    226. What You Need to Know About Mortgage Fraud.
    227. What You Should Know About Equifax Data Breach Settlement
    228. What You Should Know: Taxable Income vs. Nontaxable Income
    229. What You Should Know About U.S. Agency Bonds>
    230. What Do Credit Card Numbers Mean?
    231. What Can I Do If DOR/CSE Seizes -“Levies” My Bank Account
    232. What Can I Do If My Bank Account Information Is Rejected
    233. What Happens When the Bank Closes Your Account?
    234. What Happens to Bank Accounts After Death?
    235. What Happens to Old Money?
    236. What Happens If Someone Debits Your Bank Account Without Permission
    237. What 2008 Recession Was and What Caused It
    238. What Your Credit Says About You
    239. What Hurt Credit Score?
    240. What APR Tells You About a Loan
    241. What Medicare Tax Is, Who Has to Pay It, Current Rates
    242. What Inheritance Tax Is, How It's Calculated, and Who Pays It
    243. What Federal Income Tax Is and Why We Pay It
    244. What the Fed Rate Increase Means for Savings Accounts
    245. What Fed Rate Increases in 2023 Mean for CDs
    246. What Factors Affect Your Credit Scores?
    247. What Affects Your Credit Scores? | Experian
    248. What Affects Your Credit Score? The Top 5 Factors
    249. What Affects Your Credit Score? | U.S. News
    250. What the Coronavirus Means for Your Credit Cards?
    251. What Credit Card Starts with 4147?
    252. What Credit Card Starts With 5178?
    253. What Investors Need to Know About Certificates of Deposit: Pros & Cons of Rounding Out Your Portfolio With CDs
    254. What Type of Estate and Tax Planning Do I Need to Do?
    255. What Your Bank Doesn't Want You to Know?
    256. What Hackers Want More Than Your Credit Card Number?
    257. What Every Adult Child Beneficiary Should Know About Inheriting Assets
    258. When You Know It’s Time to Switch to an Online Bank.
    259. When Is Social Security Taxable?
    260. When Did Credit Scores Start? | Credit
    261. When Did Credit Scores Start?
    262. When Do Student Loan Payments Resume?
    263. Where Can I Set up a Trust Bank Account for My Children?
    264. Where to Find Financial Help During the Coronavirus | Gofundme
    265. Where to Find Financial Relief During Coronavirus
    266. Which Are the Most Tax-Friendly States for the Wealthy?
    267. Which Should You Choose Between Short-Term and Long-Term CDs?
    268. Which Type of Credit Cards Are Most Accepted Worldwide?
    269. Who Invented Credit Score?
    270. Who Should I Name As My IRA Beneficiary?
    271. Who Will Be Responsible for Credit Card Debt After a Death?
    272. Who Is Keeping Score?
    273. Who Pays the Personal Property Tax on a Leased Car?
    274. Who Pays Taxes in America?
    275. Who Decides How Much Money There Should Be in Circulation?
    276. Why Have So Few Bankers Gone to Jail for Their Part in the Crisis?
    277. Why Your Business Bank Account Has Been Frozen
    278. Why You May Be Denied a Checking or Savings Account
    279. Why Should You Have Multiple Bank Accounts
    280. Why You Should Separate Your Personal and Business Funds
    281. Why You Shouldn't Freak Out Equifax Breach 2017
    282. Why Bank Stocks Are Tumbling Even as Interest Rates Climb
    283. Why Grocery Taxes Hurt Low Income Families More
    284. Why We Pay Taxes
    285. Why Do We Pay Taxes?
    286. Why Do We Pay Taxes to the Government?
    287. Why Do Bond Yields Keep Rising?
    288. Why Does Virginia Have a ‘Car Tax’?
    289. Why Does It Matter If the Fed Raises Interest Rates?
    290. Why Is Good Credit So Important?
    291. Why Is It a Share Account Instead of a Savings Account?
    292. Why Is the Federal Government Buying Bonds?
    293. Why Are Banks Paying So Little Interest on Deposits?
    294. Why Are Interest Rates Going Up?
    295. Why Are Central Banks Pushing to Raise Interest Rates?
    296. Why Would a Netspend Account Be Locked
    297. Why Would a Bank Close Your Account Without Warning
    298. Why Banks Are Suddenly Closing Down Customer Accounts
    299. Why Did My Credit Card Company Close My Account?
    300. Why 4 Major Banks Just Issued $40 Billion in Bonds


    News, Info, Facts, Tips & Outlook


    ▷ Finance Discussion Forum
    Discussion Forum .

    ▷ News, Info & Facts
    1. Banks Aren't Doing Enough to Protect Customers From Scams
    2. Fraud Is Flourishing on Zelle. The Banks Say It’s Not Their Problem
    3. Are Banks Closing Customer Accounts Without Warning — And Should You Be Worried?
    4. Big Four Banks Failing to Protect Customers Against Scams
    5. US Banks Are Abruptly Freezing Accounts, Halting Withdrawals Without Warning or Explanation
    6. U.S. Bank Fined for Opening 'Sham' Accounts for Customers
    7. U.S. Bank Opened Fake Accounts for Unsuspecting Customers
    8. US Banking Giants to Report Higher Profits Even as Dealmaking Drags
    9. US Banking Sector Shaken: Moody's Drops Credit Ratings of 10 Banks, Sounds Alarm for More Downgrades
    10. UK Banks Are Closing more than 1,000 Accounts Every Day
    11. Moody's Downgrades US Banks, Warns of Possible Cuts to Others
    12. Moody's Cuts ratings of 10 U.S. Banks and Puts Some Big Names on Downgrade Watch
    13. Moody's Warns It Could Cut Credit Ratings of 6 Big US Banks
    14. Global Banks Rattled After Moody's Cuts, Italy Windfall Tax
    15. Banks, Government Bonds, and Default
    16. Bank of America to Pay Over $250 Million Over Junk Fees, Other Issues
    17. Bank of America Accused of Opening Fake Accounts and Charging Illegal Junk Fees
    18. Another Bank Has Been Accused of Fake Accounts. Keep an Eye on Yours.
    19. Are CDs Worth Investing In Right Now?
    20. Certificate of Deposit (CD)
    21. Are CDs Worth It?
    22. Pros and Cons of CDs
    23. Pros and Cons of Using a Certificate of Deposit (CD) for Your Savings
    24. CD Investing: The Pros and Cons
    25. The Pros and Cons of Certificates of Deposit (CD)
    26. CD Rate Predictions: When to Lock in for the Long Term ...
    27. CD Interest Rates Forecast for 2023: Expect Yields to Peak Before Leveling Off
    28. High-Yield CDs: Red Flags that Signal a Scam.
    29. Best Checking, Savings, CD and Online Bank Accounts
    30. Joint Checking Account: Things to Consider When Combining Finances
    31. The Best Banks
    32. Best Banks for Savings Accounts
    33. Comparing Credit Unions With Other Depository Institutions
    34. U.S. Inflation Rate 1960-2022
    35. U.S. Inflation Rate by Year: 1929-2023
    36. US Inflation Rate
    37. Changes in U.S. Family Finances from 2016 to 2019: Evidence from the Survey of Consumer Finances
    38. Low Interest Rates, High Inflation Impact How Americans Save
    39. Currency in Circulation Definition
    40. Currency in Circulation
    41. Understanding the Concept of Money
    42. Currency in Circulation: Volume
    43. The Problem With Adding Your Child to Your Bank Account
    44. The Right Way to Add Adult Children to Your Bank Account
    45. The Seven Denominations
    46. The Most Powerful People in Finance
    47. The Most Diabolical Credit Card Scams of the Past Decade
    48. The Most Counterfeit-Proof Currencies
    49. The Costs of Financial Mistakes: Evidence from US Customers
    50. Money Mistakes
    51. Money Mistakes to Avoid over 50
    52. Avoiding Financial Mistakes
    53. Financial Resolutions, Mistakes, and Accomplishments
    54. Some Common Mistakes in Money Management
    55. Common Mistakes in Financial Statements
    56. Too Many Bank Accounts Can Harm Your Money
    57. Wells Fargo Is Shutting Down All Personal Line of Credit Accounts
    58. Interest Rates and Bank Profitability
    59. Types of Suspicious Activities or Transactions
    60. Interest Rates: Definition, Types and Why They're So Important
    61. Central Banks, Summary of Current Interest Rates
    62. Learning from Financial Regulation's Mistakes
    63. Protecting Your Credit During the Coronavirus
    64. Protect Yourself Financially from the Impact of the Coronavirus
    65. Coronavirus Stimulus Checks, Debt Relief and Your Finances
    66. Protecting Your Finances during the Coronavirus Pandemic
    67. Personal Finance Advice for the Coronavirus Crisis
    68. Coronavirus and Your Money
    69. Coronavirus Stimulus Checks, Debt Relief and Your Finances
    70. Managing Your Money During Coronavirus
    71. Managing Your Financial Health During Coronavirus
    72. List of Banks Offering Help to Customers Impacted by the Coronavirus
    73. List of Banks Offering Relief to Customers Affected by Coronavirus
    74. Coronavirus and Credit Card Relief
    75. Protecting Your Credit During the Coronavirus Pandemic
    76. Fraud Is Flourishing on Zelle. The Banks Say It’s Not Their Problem
    77. Protect Yourself Against Zelle® Scams
    78. Common Scams and Crimes | FBI
    79. Common Financial Scams
    80. Common Scams that Target Seniors (and How to Avoid Them)
    81. Top Scams that Target Seniors and How to Avoid Them
    82. Top Scams Targeting Older Americans
    83. From Puppies to Tech Support: Popular Scams Targeting People | PFCU
    84. Financial Scams
    85. Watch Out for This Clever Credit Card Scam
    86. Visa Fraud Investigation Scam
    87. Common Scams and Frauds
    88. Time to Democratize the Banking System
    89. Biden Wants to Change How Credit Scores Work in America
    90. The System that Determines Credit Scores Is 'Broken'
    91. Scoring and Modeling | FDIC
    92. Credit Score Breakdown (Infographic)
    93. The Basics of Credit Scores.
    94. The Invention of the Modern Credit Score
    95. FICO Credit Score Algorithm
    96. FICO Score Definition.
    97. FICO Credit Score Basics.
    98. Understanding FICO Scores
    99. The Highest Achievable FICO Score
    100. The Difference Between VantageScore and FICO Score
    101. Understanding Your FICO Score.
    102. Damage Control for Your Credit Score.
    103. The Impact of Credit Scoring on Consumer Lending
    104. All About Credit Scores
    105. Understanding Your Credit Report and Score.
    106. Understanding Credit
    107. Types of Credit Cards Compared
    108. Different Types of Credit Cards, Explained
    109. Types of Credit Cards: Understanding the Differences
    110. Dealing with a Payment Incorrectly Deposited into Bank Account
    111. Consumer Credit Reporting, Credit Bureaus, Credit Scoring, and Related Policy Issues
    112. Consumer Credit Bill of Rights
    113. Give Credit Where Credit Is Due
    114. Discriminatory Effects of Credit Scoring on Communities of Color
    115. Scaling Up Affordable Lending: Inclusive Credit Scoring
    116. The Problems with Current Credit Scoring Models
    117. A Quantitative Theory of the Credit Score
    118. The Predictive Value of Alternative Credit Scores
    119. The Importance of Credit Scoring for Economic Growth
    120. The Impact of Differences between Consumer - and Creditor-Purchased Credit Scores
    121. Knowing the Score: New Data, Underwriting, and Marketing in the Consumer Credit Marketplace
    122. Report to the Congress on Credit Scoring and Its Effects on ...
    123. The Consumer Credit Card Market
    124. Know the Score: Credit Score Modeling and Impacts
    125. Summary Report of Issues Identified in the Selected Credit Rating Agencies
    126. The Importance of Credit Scoring for Economic
    127. Can I Raise My Credit Score Fast?
    128. The Consumer Credit Card Market
    129. Number of Credit Cards and Credit Card Holders
    130. The Basics of Credit Cards
    131. Interesting Credit Card Facts
    132. Credit Card Statistics & Studies
    133. Keys to Successfully Managing Personal Finances
    134. Understanding Credit Cards and Credit Management
    135. Equifax Data Breach Settlement for Benefits Claim
    136. Equifax Breach: Q&A | CNN
    137. An Equifax Hack Settlement Promises a $125
    138. Affected by Equifax Data Breach? How to File a Claim
    139. The Landscape of U.S. Credit Card Debt
    140. Different Types of Credit Cards and Debit Cards
    141. Protecting Against Credit Card Fraud
    142. Improving Your Credit Score | Federal Reserve
    143. Identity Theft 101
    144. Budgeting 101
    145. US Health Care & Medical Debt Statistics
    146. Staying out of Trouble With Credit Cards
    147. The Consumer Credit Card Market
    148. Data Point: Mortgage Market Activity and Trends
    149. Study: Intro Bonus Offers for Travel Rewards Cards Nearly Triple in 10 Years
    150. MasterCard - Understanding Interchange Rates
    151. The Visa System: Rates, Fees and Rules
    152. The Visa Interchange Rates
    153. Current US Interchange Rates
    154. Mastercard 2022–2023 U.S. Region Interchange Programs and Rates
    155. States Most Vulnerable to Identity Theft & Fraud
    156. Consumers Count: Tools and Resources for Money Decisions
    157. My Data Was Compromised in the Equifax Hack. What Now?
    158. The Best Credit Card Processing For Small Business Owners.
    159. Best Credit Card Processing Companies.
    160. Best Credit Card Processors | ConsumerAffairs
    161. Does Closing a Credit Card Hurt Your Credit?
    162. Consumer Protection on Debt Collection. | FDIC
    163. Beware of Fake Check Scams.
    164. Financial Planning for Singles.
    165. Household Finance | Harvard.
    166. Bitcoin: More than a Bit Risky.
    167. Daily Mortgage Rates | Time
    168. Compare Today's Current Mortgage Rates | Zillow
    169. Reverse Mortgages | FTC
    170. Reverse Mortgage Scams | FBI
    171. Beware of Reverse Mortgage Scams
    172. Reverse Mortgages Common Issues | CFPB
    173. Reverse Mortgages: Avoiding a Reversal of Fortune.
    174. Reverse Mortgage Problems
    175. Problems with Reverse Mortgage
    176. Can You Lose Your House With a Reverse Mortgage?
    177. Reverse Mortgages: FHA Needs to Improve Monitoring and Oversight of Loan Outcomes and Servicing
    178. Hacking Reverse Mortgages | MIT
    179. The Unfulfilled Promise of Reverse Mortgages: Can a Better Market Improve Retirement Security?
    180. Review of Reverse Mortgage Lending in Australia
    181. Failing Borrowers Throughout Mortgage Servicing Process | CFPB
    182. Mortgage Fraud: Understanding and Avoiding It.
    183. The Detection and Deterrence of Mortgage Fraud Against Financial Institutions
    184. Traditional Mortgages vs. Reverse Mortgages
    185. Don’t Be Misled by Reverse Mortgage Advertising
    186. Mortgage Fraud. | FBI
    187. Recognizing the Signs of Mortgage Fraud
    188. Mortgage Fraud.
    189. Mortgage Loan Fraud | FinCEN.gov
    190. Quick Facts of Mortgage Fraud Offenses
    191. Compute Loan Interest with Calculators or Templates.
    192. The Detection and Deterrence of Mortgage Fraud Against Financial Institutions.
    193. New Twists to Telephone Collection Scam Related to Delinquent Payday Loans.
    194. Joe Biden, CFPB Target Junk Fees, ...
    195. CFPB Orders Bank Of America to Pay $727 Million in Consumer Relief for Illegal Credit Card Practices
    196. CFPB Orders Bank of America to Pay $10 Million Penalty for Illegal Garnishments
    197. The Good, Bad and Worrisome News about Credit Cards.
    198. Know Your Risk Before Giving Credit Card to a Relative
    199. Dispute an Error on My Credit Report
    200. Negotiate Down My Credit Card APR
    201. Managing the Financial Impact of Unexpected Job Loss
    202. The Consumer Credit Card Market
    203. An Overview of Consumer Finance and Policy Issues
    204. Consumer Credit Review | Experian
    205. The Consequences of Aggressive Debt Repayment
    206. Your Credit Card Is Changing: What You Need to Know
    207. Places to Never Use a Debit or Credit Card to Make a Payment
    208. Go Inside Your Credit Report
    209. Consumer Spending Statistics
    210. Interest Rates Vs. Rewards: Choosing the Better Credit Card
    211. Raise Your Credit Score Without Lifting a Finger
    212. Closing Bank Accounts and Your Credit Score
    213. Protecting Credit Cards from RFID Scanning Theft.
    214. Cracking Your PIN Code: Easy as 1-2-3-4
    215. ATM Thieves Conducted Massive Cyber Attack.
    216. Hackers Stole $45M in ATM Card Breach.
    217. Payday Lending | FDIC
    218. Payday Lending Abuses and Predatory Practices
    219. 'Like a Drug': Payday Loan Users Hooked on Quick-Cash Cycle.
    220. Payday Lending in America: Who Borrows, Where They Borrow, and Why
    221. Payday Lending Stores in Alabama: Facts and Issues
    222. Payday Lending in Louisiana, Mississippi, and Arkansas: Toward Effective Protections for Borrowers
    223. Opportunities and Challenges in Online Marketplace Lending
    224. Payday, Vehicle Title, and High-Cost Installment Lending Rule
    225. Payday Lending: Protecting or Harming Consumers?
    226. Racism, Capitalism, and Predatory Lending ...
    227. Predatory Payday Lending
    228. Circumventing State Consumer Protection Laws: Tribal Immunity and Internet Payday Lending
    229. The Politics of Payday Lending Regulation in Australia
    230. An Economic Analysis of the Payday Loan Industry ...
    231. Payday Lending: A Profitability Analysis
    232. Drowning in Debt: A Health Impact Assessment of How Payday Loan Reforms Improve the Health of Minnesota's Most Vulnerable
    233. On Poverty, Interest Rates, and Payday Loans
    234. An Analysis of Consumers’ Use of Payday Loans
    235. The Portability of Payday Loans
    236. Disputing a Charge on Your Credit Card.
    237. Secrets of Surviving Bankruptcy
    238. Financial Literacy: An Essential Tool for Informed Consumer Choice.
    239. Consumer Credit - G.19
    240. Ways to Make More Money to Pay Down Your Debt
    241. Prepaid Debit Cards: A Weak Link in Bank Security
    242. Basic Money Lessons You (Probably) Missed in High School
    243. Consumer Credit Card Industry Study
    244. Coping with Financial Stress.
    245. The Age of Reason: Financial Decisions over the Life Cycle.
    246. Does Paying off Debt Lower Credit Scores?
    247. Present-Biased Preferences and Credit Card Borrowing
    248. Putting Credit Card Debt on Notice
    249. The Structure and Practices of the Debt Buying Industry
    250. Average Credit Card Debt in America (50+ Facts & Stats)
    251. Average Credit Card Debt in America
    252. Ways to Pay Off Credit Card Debt
    253. Consumer Debt Statistics & Demographics in America
    254. U.S. Credit Cards - Statistics & Facts
    255. State of Credit: Rise in Scores Despite Pandemic Challenges
    256. Average Credit Score Hits New High, While Debt Balances Rise
    257. Proof of Consumer Credit Indebtedness
    258. In Debt and Afraid: Dealing with Debt Collectors.
    259. Know Your Rights Under the Fair Debt Collection Practices Act.
    260. Dealing With Debt | Harvard
    261. The Real Effects of Debt
    262. Complaint Snapshot: An Analysis of Debt Collection Complaints
    263. Understanding Your Debt Collection Rights.
    264. Inside the Dark, Lucrative World of Consumer Debt Collection.
    265. The Secret World of Government Debt Collection.
    266. Someone Else's Debt Could Ruin Your Credit Rating.
    267. Handling Debt Collection Calls: Dos and Don'ts.
    268. Short-Term Debt: Definition, Types & Examples
    269. A Debt Collector's Day.
    270. Facing Debt Collection? Know Your Rights.
    271. U.S. State Debt Collection Policies
    272. State Debt Collection Laws
    273. Debt Collection Laws in Every State
    274. Debt Collection FAQs | FTC
    275. Debt Collection | FTC
    276. Fair Debt Collection Practices Act.
    277. Debt and Mental Health
    278. Debt Collection Practices: When Hardball Tactics Go Too Far.
    279. Can a Debt Collector Get into My Bank Account?
    280. Out of Debt-Collecting and Bullying.
    281. The State of Debt Among Americans
    282. Substantive Defenses to Consumer Debt Collection Suits
    283. Proof of Consumer Credit Indebtedness
    284. Universal Credit and Debt
    285. American Household Credit Card Debt Statistics
    286. Canceled Debts, Foreclosures, Repossessions, and Abandonments - IRS Publication 4681
    287. Millennials and Credit Card Debt Study
    288. Solving Credit Card and Debt Problems.
    289. Average U.S. Credit Card Debt Statistics
    290. Credit Card Debt Statistics
    291. Credit Card Debt Statistics in America
    292. Credit Card Debt and Spending Statistics in the US
    293. Credit Card Debt Can Be Bad for Your Health, Study Finds
    294. Credit Card Debt Statute of Limitations
    295. Credit Card Debt Collection
    296. Credit Card Debt and Age
    297. Credit Card Debt Study: Trends & Insights
    298. Credit Card Balances Fall Sharply Again.
    299. Credit Card Reform and Gift Cards.
    300. Credit Card Countdown: Higher Rates Abound.
    301. Credit Cards: Break Up, or Make Up?
    302. Credit Card Legislation Gaining Momentum and Fed Rules.
    303. Credit Cards Canceled Without Warning
    304. Credit Card Accountability, Responsibility, and Disclosure Act
    305. Credit Card Usage of College Students
    306. Credit Cards News.
    307. Credit Card Transaction Processing Basics.
    308. Credit Card Processing in 8 Simple Steps.
    309. Credit Card Order Process Flowchart.
    310. Credit Card Transaction Process (Flowchart).
    311. Credit Cards - General Overview
    312. Credit Card for:
    313. Credit and Your Consumer Rights
    314. Credit Report Reboot: 4 Changes You Need to Know About
    315. Credit Report Mistake 1 in 3 Americans Make
    316. Credit Report Scoring.
    317. Credit Reports and Scores | usa.gov
    318. Credit Reports and Credit Scores
    319. Credit Reports and Credit Scores | Federal Reserve
    320. Credit Score in the United States
    321. Credit Score Range (300 - 850) Explained
    322. Credit Scores 101
    323. Credit Scoring in the Era of Big Data
    324. Credit Scores Are Supposed to Be Race-Neutral. That’s Impossible.
    325. Credit Issues and Bad Credit
    326. Credit Card Issuers Offer Customer Assistance in Response to Coronavirus
    327. Credit Suisse Guilty Plea Takes Financial Sector Into Rarely Explored Territory
    328. Credit Bureaus in the Digital Age
    329. Credit Card Scams
    330. Credit Card Fraud
    331. Credit Card Fraud | Wikipedia
    332. Credit Protection Laws - The Consumer Credit Protection Act
    333. Credit Monitoring Services for Feds Affected by 2015 OPM Data Breach
    334. Credit Management: Five Simple Steps Toward Better Credit.
    335. Payment Processing - Get the Basics on Payment Processing.
    336. Payments 101: Credit and Debit Card Payments.
    337. Types of Credit Cards That Start With 4147.
    338. A 4427 Credit Card Type
    339. First Credit Card: How to Get Credit
    340. Consumer Credit Card Industry Study
    341. The Real Problem with Credit Cards: The Cardholders.
    342. Types of Bankruptcies Explained: Chapter 7, 11 and 13
    343. FBI Warns of Banking Scam.
    344. "Phishing" and Other Online Identity Theft Scams: Don't Take the Bait.
    345. Beware Banking Text Messages.
    346. Email Hack Attack? Notify Brokerage Firms and Financial Institutions
    347. Beware Tricky Overdraft Pitches.
    348. Sex + Lies + Overspending = Financial Infidelity
    349. Safety a Key Issue for Mobile Banking.
    350. Picking the Best Income-Driven Repayment Plan for a Student Loan.
    351. Time to Stop Tossing Those Notices About Your Credit Cards.
    352. There's a Cost to Paying Less Than You Owe.
    353. Understanding Your Credit Score and How Credit Scoring Works
    354. Understanding Credit Card Interest
    355. A Detailed Timeline of the 2008 Financial Crisis
    356. Failed Bank List | FDIC |
    357. Silicon Valley Bank Collapse
    358. The Inside Story of WaMu - The Biggest Bank Failure in American History
    359. SVB Is Largest Bank Failure Since 2008 Financial Crisis
    360. Timeline: The U.S. Financial Crisis
    361. The Pros and Cons of Online Banking
    362. Best Banks in the U.S.
    363. Best Banks in America
    364. The Best Big Banks
    365. Best National Banks
    366. Vast Leak Exposes How Swiss Bank Served Strongmen, Spies
    367. Data Leak Exposes How a Swiss Bank Served Strongmen and Spies
    368. Data Leak Exposes How a Swiss Bank Served Strongmen and Spies | NYT
    369. 3 Tricks How to Save Money.
    370. 3 Strategies to Deal With Debt Collectors.
    371. 4 Features Your Checking Account Should Have
    372. 4 Top Reasons to Use an Online Bank.
    373. 4 Crazy New Credit Card Scams & Protection from Becoming a Victim
    374. 4 Ways to Boost Your Credit Score Fast
    375. 5 Best National Banks
    376. 5 Personal Finance Mistakes to Avoid in Your 20s
    377. 5 Facts About Debit, Credit, and Prepaid Cards
    378. 5 Easy Steps to Improve Your Credit Score | CNN Business
    379. 5 Keys to Successfully Managing Your Personal Finances
    380. 5 Sneaky Ways to Improve Your Credit Score
    381. 5 Ways to Increase Your FICO Score
    382. 5 Ways to Build Credit If You Have No Credit History
    383. 5 Do's and Don'ts That Can Help You Achieve Greater Financial Security
    384. 5 Reasons a Credit Card Company Can Close Your Account With No Notice
    385. 5 Reasons Not to Purchase the Extended Warranty
    386. 5 Reasons to Refinance Your Home.
    387. 6 Reasons to Beware of Market-Linked CDs
    388. 6 Reasons for a Credit Card Account Cancellation
    389. 6 Daily Habits to Create Financial Success
    390. 6 Indicators That It’s Time to Refinance.
    391. 6 Common Money Management Mistakes College Students Make
    392. 6 Things to Consider Before Choosing a Credit Card
    393. 6 Scams that Target Your Bank Account
    394. 6 Steps to Get Out of Debt
    395. 7 Steps to Manage Your Money
    396. 7 Steps to a Healthier Credit Score.
    397. 7 Best Ways to Resolve a Bank Dispute
    398. 7 Ways to Boost Your Credit Score Fast
    399. 7 Ways to Build and Improve Your Personal Credit Score
    400. 7 Things You Must Know About Credit Cards
    401. 7 Things You May Not Know About U.S. Currency
    402. 7 Keys to Achieve Financial Success
    403. 8 Simple Ways to Start Saving Money
    404. 8 Things You Must Know About Credit Card Debt
    405. 8 Financial Mistakes to Avoid When Building a New Home
    406. 8 Crucial Money Lessons We Can Learn From the Holidays
    407. 8 Fun Facts About Credit Cards.
    408. 8 Most Sophisticated Phone Scams the Average Person Falls for
    409. 8 Best Payment Gateways of 2023
    410. 9 Best Banks With the Highest-Interest CD Rates
    411. 9 Best Credit Card Processing
    412. 9 Things You Need to Know About Prepaid Credit Card.
    413. 10 Essential Strategies to Help You Qualify for a Credit Card
    414. 9 Common Zelle Scams to Avoid
    415. 10 More Common Money Mistakes.
    416. 10 Most Common Bank Customer Complaints.
    417. 10 Most Common Life Insurance Mistakes and how to Avoid Them
    418. 10 Best CD Rates
    419. 10 Best National Banks in America.
    420. 10 Best Credit Card Processing Companies
    421. 10 Payment Processing Companies.
    422. 10 States Where Credit Data Is Most and Least Significant
    423. 10 Easy Ways to Pay Off Debt
    424. 10 Places Not to Use Your Debit Card.
    425. 10 Debt Collection Rights for Consumers.
    426. 10 Dangers of Mobile Banking
    427. 10 Ways Your Debt May Be Hurting You
    428. 10 Ways to Save Money When You Return to College
    429. 10 Things Everyone Should Know About Credit Scores
    430. 10 Things First-Time Credit Card Users Need to Know
    431. 11 Things to Know Before Getting Your First Credit Card
    432. 11 Credit Card Debt Settlement Facts
    433. 12 Best CD Rates
    434. 12 Common Questions About Consumer Credit and Direct Marketing
    435. 13 Money Mistakes You Need to Avoid
    436. 15 Largest Banks in the US
    437. 15 of the World’s Most Exclusive Credit Cards
    438. 15 Must Avoid Personal Finance Mistakes.
    439. 20 Money Mistakes to Avoid in Your 20s
    440. 24 Personal Finance Facts You Should Know – But Probably Don't.
    441. 30 Credit Card Do's and Don'ts
    442. 50 Ways to Improve Your Finances
    443. 51 Ways to Save Hundreds on Loans and Credit Cards.
    444. 54 Ways to Save Money
    445. 60 Super Simple Ways to Save Money
    446. 66 Interesting Credit Card Facts
    447. 77 Common Financial Mistakes and How to Avoid Them
    448. 100 Ways to Save Money
    449. 100 Largest Banks in the World
    450. 101 Ways to Legally Improve Credit Score
    ▷ Taxes
    1. Taxes | USAGov
    2. Types of Taxes
    3. Types of Taxes in the US
    4. Taxation in the United States
    5. The Tax System in the USA
    6. Income Tax
    7. Income Taxes in the United States
    8. Income Tax Around the World
    9. US Income Taxes and the Constitution ...
    10. Federal Income Tax Brackets
    11. Tax Brackets and Federal Income Tax Rates
    12. Tax Burden by State
    13. Tax and Other Consequences of Inheriting a POD Account
    14. Tax-exempt Interest Income?
    15. Tax Facts Infographic
    16. Tax Scams - Consumer Alerts | IRS
    17. Tax Comparisons Around the World
    18. Tax-to-GDP Ratio: Comparing Tax Systems Around the World
    19. Taxation
    20. Taxation of Foreign Nationals by the United States
    21. Taxable Interest
    22. Interest Income and Taxes
    23. Understanding Double Taxation and 7 Ways to Avoid It
    24. Understanding Taxes
    25. Digital Taxation Around the World
    26. Property Taxes by State
    27. List of Countries by Tax Rates
    28. List of State Income Tax Rates
    29. State Income Tax Rates Across America
    30. States That Don't Tax Retirement Income, Pensions, Social Security
    31. State Sales Tax Rates
    32. Sales Tax on Grocery Items
    33. State and Local Sales Tax Rates 2023, 2022, 2021, 2020 & 2019
    34. States With the Best & Worst Taxpayer ROI
    35. States With the Highest and Lowest Taxes
    36. States With the Lowest Property and Vehicle Taxes
    37. States With the Highest & Lowest Tax Rates
    38. U.S. Tax Rates by State
    39. US States With No Income Tax
    40. US Taxes Abroad for Dummies
    41. Best States to Be Rich or Poor from a Tax Perspective
    42. The Best States for High-Earners and Affluent Families
    43. The Most Tax-Friendly States for the Rich
    44. Ranking Individual Income Taxes on the 2023 State Business Tax Climate Index
    45. IRS Tax Refund Calendar 2023 and Direct Deposit Dates
    46. IRS Quietly Changed the Rules on Your Children’s Inheritance
    47. IRS Unveils "Dirty Dozen" List of Tax Scams
    48. Remote Work Tax Issues to Consider When Filing Your Return
    49. Corporate Tax Rates by Country
    50. Corporate Tax Rate Report
    51. Americans Are Moving to the Most Tax-Friendly States in the Country
    52. Inheriting Parents' Real Estate: Can You Inherit Favorable Tax Treatment?
    53. Must You Pay Income Tax on Inherited Money?
    54. Is the Inheritance I Received Taxable? | IRS
    55. Coronavirus Tax Relief for Businesses and Tax-Exempt Entities | IRS
    56. Taxpayers Should Know the Signs of a Phone Scam, Especially During Filing Season
    57. Phone Scams on the Rise During Tax Season
    58. Deferred Tax – A Chief Financial Officer’s Guide to Avoiding the Pitfalls
    59. Doing Business in the United States: Federal Tax Issues
    60. The Behavioral and Tax Factors Behind When to Sell Stocks at a Loss
    61. Understanding Employment Taxes | Internal Revenue Service
    62. Minimum Income Requirements for 2022 Tax Returns
    63. Reporting Interest Income on the 2022 Federal Income Tax Return
    64. Filing Tax Form 1099-INT: Interest Income
    65. Do I Have to Claim Interest If It Is Less than $1.00?
    66. Grocery Taxes Increase the Likelihood of Food Insecurity
    67. Researchers Find Grocery Taxes Harm Low Income Households
    68. Will You Pay Tax on the Sale of Your Home?
    69. Is Living in a State With No Income Tax Better or Worse?
    70. Do You Have to Pay Taxes on Your Car Every Year?
    71. Gas Taxes and What You Need to Know
    72. 4 Ways to Get Out of Tax Debt
    73. 5 Ways to Minimize Your Tax Bill
    74. 5 Taxation Systems Around the World
    75. 6 Biggest Screw-ups People Make on Their Tax Returns
    76. 7 Top Tax Mistakes Made in Planning a Wealth Transfer
    77. 7 Different Types of Taxes That You Pay
    78. 9 States With No Income Tax
    79. 9 States With No Income Tax and the Lowest Tax Burdens
    80. 10 Most Tax-Friendly States for Retirees
    81. 10 Best States for High Earners
    82. 12 IRS Tax Refund Scams - Common Frauds to Avoid
    83. 15 Ways to Invite an IRS Audit.
    84. 18 Most Tax-Friendly States to Retire in 2024
    ▷ History, Guides & Tips
    1. Historical Inflation Rates: 1914-2022
    2. History of Money - From 12,000 B.C. to the Present
    3. The History of Credit Cards.
    4. The History of Consumer Credit in One Giant (Infographic)
    5. The History of Credit Cards - Timeline and Major Events
    6. The History of Credit Cards | Experian
    7. Historical Credit Card Interest Rates
    8. Historical CD Interest Rates 1984-2021
    9. Historical CD Rates: Highs, Lows and the Stories Behind Them
    10. The History of the FICO Score.
    11. The History of Credit Scores (1989 - 2021).
    12. The Long, Twisted History of Your Credit Score.
    13. The Use of Credit History for Personal Lines of Insurance
    14. A Brief History of Taxes in the U.S.
    15. Your Credit History: Five Surprising Things That May Impact Your Score.
    16. Credit Card for No Credit History
    17. Indian Currency History, History of Indian Rupee
    18. Guide to CD Rates
    19. Guide to Credit Rating Essentials
    20. Guide to Build Good Credit
    21. Guide to Financial Literacy: Definition and How to Improve
    22. Credit Card Basics: A Beginner's Guide to Credit Cards
    23. A Judicial Guide to Credit Card Debt Cases
    24. Beginner's Guide to Managing Your Money
    25. Beginner's Guide to Credit Cards
    26. A Guide to the Different Types of Taxes
    27. The Complete Tax Guide for Buying and Selling Cars in the USA
    28. U.S. Tax Time Guide | IRS
    29. Publication 15 (2022), (Circular E), Employer's Tax Guide | IRS
    30. Income Tax Guide for Tax Season 2022
    31. A Visual Guide to Taxing Bonuses (Infographic)
    32. Guide to Your Employers Benefits Programs, Tax-Wise (401(k)
    33. US Taxes for Expats - A Complete Guide
    34. A Guide to US Taxes for Citizens Living Abroad
    35. A Guide to COVID-19 and Your Finances
    36. Guide to Understanding Credit Scores and Score Ranges
    37. IRS Issues Guidance on State Tax Payments to Help Taxpayers
    38. Personal Finance Tips
    39. Personal Finance Tips: The ABCs of Managing Your Money
    40. Personal Finance Tips from Billionaires
    41. Most Popular Personal Finance Tips.
    42. Tips for Getting First Credit Card and Building Credit
    43. Financial Tips During the Coronavirus Pandemic
    44. Keeping Your Account Secure: Tips for Protecting Your Financial Information.
    45. Credit Card Facts and Tips
    46. Coronavirus-Related Fraud Prevention Tips and Resources
    47. Tips to Avoid Common Budgeting Mistakes
    48. Tipping Do’s and Don’ts: When and How Much to Tip
    49. IRS Tax Tips
    50. 4 Best Ways to Use a Credit Card
    51. 4 Common Personal Finance Tips That Will Actually Fail You.
    52. 5 Helpful Tips to Build Good Credit With a Credit Card
    53. 5 Tips on Using a Secured Credit Card Wisely
    54. 5 Tips to Help You Get Approved for a Mortgage.
    55. 5 Tips for a Tiptop Credit Score
    56. 5 Tips to Keep Your Finances from Going Off a Cliff.
    57. Credit Card Tips and Advice
    58. 6 Simple Personal Finance Tips that Lead to a Big Payoff
    59. 6 Coronavirus Fighting Tips for Your Finances
    60. 6 Tips for Dealing with Debt Collectors.
    61. 7 Credit Card Tips Everyone Should Know.
    62. 7 Credit Card Tips
    63. 7 Credit Card Tips for Smart Users
    64. 7 Tips for Handling Your First Credit Card.
    65. 7 Tips for Paying off Credit Card Debt
    66. 7 Credit Card Tips Everyone Should Know
    67. 7 Best Personal Finance Tips
    68. 8 Tips for Using Credit in Uncertain Times
    69. 8 Tips to Help You Succeed in Finance
    70. 8 Tips for Never Missing a Due Date.
    71. 8 Financial Tips for Young Adults.
    72. 10 Top Financial Tips
    73. 10 Tips for Managing Credit Card Debt
    74. 11 Money Tips for Women.
    75. 12 Credit Card Tips
    76. 12-Step Guide to Financial Success
    77. 13 Financial Tips for Newlyweds
    78. 14 Helpful Tips for Maintaining a Good Credit Score
    79. 17 Tips to Save Money.
    80. 18 Top Money Management Tips to Help Your Personal Finance.
    81. 20 Simple Tips to Save Money
    82. 20 Best Financial Tips
    83. 29 of the Best Personal Finance Tips for Beginners and Beyond
    84. 50 Personal Finance Tips That Will Change the Way You Think About Money.
    85. 54 Great Personal Finance Tips
    86. 75 Personal Finance Tips to Help You Make & Save Money
    87. 75 Money Management Tips to Follow (2020)




    Currency
    Exchange Rate per U.S. Dollar -
    Latest Update


    Assets - 10 Largest Banks in the U.S.
    J.P Morgan Chase
    Bank of America
    City Group
    Wells Fargo
    Goldman Sachs
    $2,737 B
    $2,370 B
    $1,950 B
    $1,880 B
    $920 B
    Morgan Stanley
    U.S Bankcorp
    Truist Financial
    PNC
    TD Bank
    $870 B
    $475 B
    $447 B
    $392 B
    $384 B

    U.S. Banks (by States)
    | Alabama | Alaska | Arizona | Arkansas | California | Colorado | Connecticut | Delaware | District of Columbia | Florida | Georgia | Hawaii | Idaho | Illinois | Indiana | Iowa | Kansas | Kentucky | Louisiana | Maine | Maryland | Massachusetts | Michigan | Minnesota | Mississippi | Missouri | Montana | Nebraska | Nevada | New Hampshire | New Jersey | New Mexico | New York | North Carolina | North Dakota | Ohio | Oklahoma | Oregon | Pennsylvania | Rhode Island | South Carolina | South Dakota | Tennessee | Texas | Utah | Vermont | Virginia | Washington | West Virginia | Wisconsin | Wyoming |

    Alabama

    Alaska

    Arizona

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    California

    Colorado

    Connecticut

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    Florida

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    Fees for Checking & Debit Card

    BANK CHECKING DEBIT CARD
    ------------------ ----------------------------------------------- ---------------
    Bank of America $25 deposit to open; $8.95 monthly fee unless statements are paperless and deposits/ withdrawals are done online or by ATM. No fee
    Wells Fargo $100 deposit to open; $5 monthly fee unless direct deposit or average balance of $1,500. No fee
    JPMorgan Chase $25 deposit to open; $12 monthly fee unless direct deposit of at least $500, minimum balance of $1,500 or $5,000 average daily balance in linked accounts. No fee
    Citigroup $0 to open; $10 monthly fee unless balance of at least $1,500 in prior month or one direct deposit and one bill payment each month. No fee
    US Bank $50 to open; $6.95 monthly fee with online statements or $8.95 with paper statements unless direct deposits of at least $500 or average account balance of $1,500. No fee
    PNC $25 to open; no monthly fee. No fee
    TD Bank $0 to open; $2.99 monthly fee with online statements or $3.99 monthly fee with paper statements. No fee
    Capital One $50 to open; $8.95 monthly fee unless $300 minimum daily balance or monthly direct deposit of at least $250. No fee
    Sun Trust $100 to open; $7 monthly fee unless minimum balance of $500 or direct deposit. No fee
    BB&T $50 to open; $10 monthly fee unless direct deposit of at least $100; $1,500 average balance or a mortgage with BB&T. No fee.

    Safeguarding Your Credit Score



    Fraud Prevention & Detection


    • Regularly review credit cards and bank statements for possible misuse.
    • Report suspicious activity to credit card companies, banks or financial institutions immediately.
    • Contact the Federal Trade Commission or law enforcement with any reports of identity theft.
    • Get free credit reports from each nationwide credit reporting agency: Equifax (1-800-685-1111), Experian (1-888-397-3742), and TransUnion Corporation (1-800-916-8800); review each carefully, and request any fraudulent transactions be deleted.
    • Fraud and Scams resource | Consumer Financial Protection Bureau

    Credit Card Act: Charges & Changes


    • If a credit card company raises your interest rate, it will have to tell you the reasons. Furthermore, credit card issuers must give you 45 days advance warning of upcoming changes (e.g.; interest rates).
    • If your credit rate increases, credit card issuers must reevaluate it every six-month period. If you deserve to have it lowered, the card issuer must comply within 45 days of the evaluation.
    • Customers have the right to opt out of fee increases and interest rate hikes (e.g.; cancel cards and pay off the existing balances).
    • Consumers get 21 days to make a payment after a bill is delivered instead of 14 days.
    • Credit card issuers can not raise rates on any existing balances. If your rate increases, it will only apply to new charges.
    • Issuers cannot raise your rates because you miss a payment or fall behind on a different account.
    • Payments will be applied to the balance with the highest interest rate first.
    • Penalty rates on existing balances can only be applied if your payment is 60 days late. If you then remain in good standing, your rate must go back down after six months.
    • Promotional rates must last at least six months.
    • Any penalty fees or rates must be "reasonable and proportional," as defined by the Federal Reserve.
    • Card issuers must periodically review your account and potentially reduce your rates.
    • Credit card issuers cannot charge you a penalty fee that is larger the infraction. For example, if you are late on a $10 payment or you spend more $10 more than your max, your penalty fee cannot be more than $10.
    • Credit card issuers will no longer be able to charge you an inactivity fee or not using your card.
    • All gift cards sold must be good for at least five years. You can also request a replacement for any expired gift card for free. Only one fee per month can be charged and dormancy fees can only be assessed if you haven't used your gift card in a year.

    Credit Card 101 for Students


    • To open a credit card account if you are under 21, you will need to show that you have the income to make required payments or get a co-signer 21 or older who has the ability to do so.
    • Anyone 21 or older - not just parents, legal guardian or a spouse - can co-sign for younger students to get a credit card.
    • Once you have a credit card with a co-signer, if you want a higher credit limit, the co-signer must agree in writing to the increase.
    • Co-signer is equally responsible for the debt, and his/her credit card scores can be impacted.
    • If you need to use a credit card to buy a product online, you only use it with a "https" site; never use a credit card on a site without "s" after http.

    Financial Scams Prevention & Detection


  • If someone contacts you by phone, text, email, computer alert or social media to ask you to act immediately, provide your personal information or codes, and/or pay in an unusual way, these are signs you're being scammed.

  • Never Wire Money to ...
    • Someone you don't know.
    • Someone claiming to be a relative in a crisis - and who wants to keep their request for money a secret.
    • Someone who says a money transfer is the only form of payment that's acceptable.
    • Someone who asks you to deposit a check and send some of the money back.

  • Be Alert:
    • A scammer may call, email, or text you, pretending to be from your bank, and ask for information that allows them to access your bank account.
      • If you receive a one-time passcode you didn’t request, discard it.
      • If you receive a text message or an email appeared to be from your bank requesting to click on a link, discard it.
      • Scammers may tell you there is an urgent fraud situation to catch you off guard.
      • Hang up on suspicious calls immediately, even if they appear to be from your bank. Scammers sometimes use technology to "spoof" phone numbers, so it appears the call is originating from your bank. If you have any concerns that the call might not be legitimate, call your bank at the number found on your account statement.
    • Scammers may make unusual requests for sending or transferring money.
      • Fraudsters may contact you to pretend to help you with an ongoing fraud situation. To reverse it, they suggest you transfer money "to yourself" when, in fact, the account you transfer money to belongs to the scammer. This could cause you to lose money or even become unknowingly involved in a crime.
      • If you have any concerns that the call might not be legitimate, call your bank at the number found on your bank account statement.
  • Be Proactive:
    • Monitor your account activity regularly.
    • Set up bank account alerts so that you are notified for high dollar transactions or withdrawals on your bank accounts
    • Stay calm. Scammers may try to alarm you, so you will give them what they want. If you're told to take action right away, it could be a scam.

    Identity Protection


    Online:
    • Create complex passwords using a combination of letters, numbers, cases, and symbols to form an unpredictable string of characters that doesn't resemble words or names.
    • Change the password quarterly.
    • Use security feature on your mobile device, such as installing the free AT&T ActiveArmor mobile security app.
    • Avoid using public wifi network to eliminate risk of accidentally sharing secret, important, or sensitive information.
    • Update sharing and firewall setting.

    Doing Business:
    • Do not carry your Social Security card in your purse or wallet; once it's loose, identify thieves can exploit it to get loans, obtain credit cards or other financial chicanery in your name.
    • Only give out your Social Security number when necessary.
    • Keep your personally identifiable information (PII) private. PII is information that can be used to distinguish or trace an individual’s identity, such as name, home address, phone number, social security number, driver’s license number, passport number, credit account number, or bank account number.
    • Do not share personal information via email or over the phone. Financial institutions never ask for your account number, Social Security number, address, PIN, or password in an email, text message, or incoming phone call. If you have any concerns that the call might not be legitimate, call your bank at the number found on your account statement or credit card.
    At Home:
    • Securely keep your financial records, academic records (e.g.; transcripts), insurance cards, account number, birth certificate, Social Security number, address, PIN, or password.
    • Check your bills and account statements carefully for unusual activity
    • Review your credit report and credit score at least once a year.
    • Check your mail; make an investigation if you stop getting a bill or start getting mails you do not recognize.

    eMacromall.com


    Financial Crisis



    1. FDIC - Latest U.S. Failed Bank List.
    2. Global Financial Crisis — Global Issues
    3. Financial Crises: Explanations, Types, and Implications
    4. Timeline: The U.S. Financial Crisis (1992-2018)
    5. Financial Crisis of 2007–2008 | Wikipedia
    6. The 2007–2008 Financial Crisis in Review
    7. Financial Crisis of 2007–08: Definition, Causes, Effects, & Facts
    8. Financial Crisis - Meaning, Explained, Timeline, Causes, Examples
    9. The Six Root Causes of the Financial Crisis
    10. Financial Crisis - Overview, How It Happens, Future Occurrences
    11. Problem Bank List.
    12. HSBC Issues.
    13. Bank Failures Drain FDIC Insurance.
    14. FDIC Asks Banks to Cover an Expected $100B in Losses
    15. Record U.S. Deficit of $1.4 Trillion Could Have Been Worse
    16. The Message of Dollar Disdain.
    17. When Credit Problems Become a Personal Financial Crisis.
    18. The IMF’s Unresolved Financial Crisis.
    19. Financial Crisis: Effects of the Financial Crisis
    20. Therapy for Money and Financial Issues
    21. Financial Crisis: Effects of the Financial Crisis
    22. The Current Financial Crisis - Causes and Policy Issues
    23. A History of the Past 40 Years in Financial Crises
    24. Greek Debt Crisis: Summary, Causes, Timeline, Outlook
    25. Does Financial Crisis Threaten America's Central Role in Global Economy?
    26. The Social and Political Costs of the Financial Crisis, 10 Years Later
    27. White House Overhauling Rescue Plan (2008).
    28. From Booms to Bailouts: The Banking Crisis of the 1980s
    29. Victimizing the Borrowers: Predatory Lending's Role in the Subprime Mortgage Crisis
    30. Financial Crisis FAQs

    U.S. Deficit Spending Facts (Source: Heritage.org)





    Public Debts
    Source: CIA

    Country % of GDP Year Country % of GDP Year
      USA 78.8 2017 Portugal 125.7 2017
      Japan 237.6 2017 Austria 78.6 2017
      Germany 63.9 2017 Hungary 73.6 2017
      Italy 131.8 2017 Syria 94.8 2017
      India 71.2 2017 Israel 72.6 2017
      China 47.0 2017 Croatia 77.8 2017
      France 96.8 2017 European Union 86.8 2016
      UK 87.5 2017 Ukraine 71.0 2017
      Brazil 84.0 2017 U.A.E 19.7 2017
      Canada 89.7 2017 Denmark 35.3 2017
      Spain 98.4 2017 Romania 36.8 2017
      Mexico 54.3 2017 Indonesia 28.8 2017
      Greece 181.8 2017 Iran 39.5 2017
      Netherlands 56.5 2017 Saudi Arabia 17.2 2017
      Turkey 32.7 2016 Norway 36.5 2017
      Belgium 103.4 2017 Australia 40.8 2017
      Egypt 103.0 2017 Philippines 39.9 2017
      Poland 50.0 2017 Sweden 40.8 2017
      South Korea 39.5 2017 Vietnam 58.5 2017
      Singapore 111.1 2017 Thailand 41.9 2017
      Taiwan 35.7 2017 Kenya 54.2 2017

    Public Debt is the total of all government borrowings less repayments that are denominated in a country's home currency.

    * CIA's World Factbook list only percentage of GDP, the debt amount and per capita is calculated with GDP (PPP) and population figures of same report.


    Loan Calculator
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    Credit-Rating Firms
    Moody's   - Found in 1900 and began rating securities in 1909, Moody's Corporation rates more than 150,000 corporate, government securities, 75,000 public finance obligations, 10,000 corporate relationships, and 100 nations. Moody’s has more than 2,100 employees in 18 countries. Its revenue is $1.25 billion, including about $363.9 million in net income. The firm makes up about 40% of the credit-rating business.





    Standard & Poor's   - Found in 1860 and began rating corporate debt in 1916, Standard & Poor's rates about 100 countries with more than $7 trillion in bonds and other financial obligations in more than 50 countries. Standard & Poor's has more than 5,000 employees in 20 countries. Its revenue is about $1 billion. The firm makes up about 40% of the credit-rating business.


    Fitch Ratings   - Found in 1913 and began rating business in 1924, Fitch Ratings (Paris-based Fimalac SA), rates about 3,000 financial institutions, 1000 corporations, 85 countries and 39,000 municipal offerings. Fitch Ratings has about 1,400 employees in 50 countries. Its revenue is about $500 million, $125 million in net income. The firm makes up about 14% of the credit-rating business.

    eMacromall.com - Credit Card Payment Calculator
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    VISA - Visa is a private, membership association jointly owned by 21,000 member financial institutions around the world. With more than 1 billion cards in circulation, and with unsurpassed acceptance in over 150 countries, the reach and popularity of Visa-branded cards is nearly universal.

    Master Card - MC is one of the most recognized and respected global payment brands in the world. With approximately 25,000 MasterCard, Cirrus and Maestro members worldwide, MasterCard serves consumers and businesses, both large and small, in 210 countries and territories with over 22 million locations around the globe.

    American Express - Established in 1850 in New York, American Express Company is a diversified worldwide travel and financial services company. It is a leader in charge and credit cards, Travelers Cheques, travel, investment products, insurance and international and online banking.

    Discover Financial Services - A business unit of Morgan Stanley, operates the Discover® Card brands. It offers a variety of Cards, including Discover Classic Card, Discover Gold Card, Discover Platinum Card, Miles Card from Discover Card and an array of affinity cards.

    The Federal Reserve System - is the central bank of the United States, responsible for providing the US with a safer, more flexible, and more stable monetary and financial system, supervising financial institutions, and ensuring that consumers receive adequate information and fair treatment in their business with the banking system.

    Federal Deposit Insurance Corporation - FDDI, a US independent agency, preserves and promotes public confidence in the US financial system by insuring deposits in banks for up to $100,000 (temporary $250,000 during the current world financial crisis), and by monitoring and addressing risks to the deposit insurance funds.

    The World Bank - is the financial organization that provides low-interest loans, interest-free credit, and grants to developing countries. Some 10,000 development professionals from nearly every country in the world work in the World Bank's Washington DC headquarters or in its 109 country offices.

    The International Monetary Fund - The IMF is an international organization of 184 member countries with the headquarters in Washington, DC. Its operations -- which involve surveillance, financial assistance, and technical assistance -- have developed to meet the changing needs of its member countries in an evolving world economy.

    The African Development Bank - The AFDB is a regional multilateral development finance institution established in 1964 and engaged in mobilizing resources towards the economic and social progress of its regional member countries. It is headquartered in Abidjan (Côte d’Ivoire).

    The Asian Development Bank - The ADB is a multilateral development finance institution dedicated to reducing poverty in Asia and the Pacific. Established in 1966, it is now owned by 64 members, mostly from the region. The ADB's headquarters is in Manila with 26 other offices around the world.

    The European Bank for Reconstruction and Development (EBRD)- Established in 1991, owned by 60 countries and 2 intergovernmental institutions, the EBRD uses tools of investment to help build market economies and democracies in 27 countries from central Europe to central Asia.

    The Inter-American Development Bank (IDB)- Established in 1959 as a partnership between 19 Latin American countries and the United States, the IDB is the main source of multilateral financing for economic, social and institutional development projects as well as trade and regional integration programs in Latin America and the Caribbean.


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