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The Balance Make money personal.

Just when borrowers were starting to get some relief on credit card interest rates, they’ve started to inch back up. Her...
02/14/2020
Credit Card APRs Inch Up as Banks Brace for Trouble Ahead

Just when borrowers were starting to get some relief on credit card interest rates, they’ve started to inch back up. Here's what that means.

Card issuers are starting to raise APRs and late fees, even after benchmark rates fell in 2019. Borrowers with poor credit may be the most vulnerable.

The SECURE Act contains a few provisions that will hopefully make life a bit easier for both retirees and younger famili...
02/14/2020
The SECURE Act—A New Tax Law That Benefits Retirees

The SECURE Act contains a few provisions that will hopefully make life a bit easier for both retirees and younger families.

The SECURE Act affects retirement and savings plans beginning in 2020, as well as those looking for deductions on student loan payments.

See how your Valentine's Day spending stacks up to years prior.
02/14/2020
Shoppers Feeling the Love This Valentine's Day

See how your Valentine's Day spending stacks up to years prior.

Valentine's Day retail sales in 2020 will be a record $27.4 billion. Here's how lovers plan to spend their money to celebrate the holiday.

It might seem like a stretch, but the Taxpayer First Act of 2019 takes some steps in the right direction.
02/12/2020
The Taxpayer First Act Aims to Create a Friendlier IRS

It might seem like a stretch, but the Taxpayer First Act of 2019 takes some steps in the right direction.

The Taxpayer First Act changes the tax code so that you can now pay taxes by credit card and take two extra years to pay off an IRS installment agreement.

Here’s how to comply with an income withholding order, plus answers to other questions you might have as the employer.
02/12/2020
Income Withholding Orders—What Employers Need to Know

Here’s how to comply with an income withholding order, plus answers to other questions you might have as the employer.

An income withholding order directs employers to withhold a certain amount from an employee’s paychecks. Here’s what to do if you get one.

Here’s a look at some of the issues that may affect remote employees working in the U.S. and abroad.
02/11/2020
How to Deal With Pay, Tax, and Work Laws for Remote Employees

Here’s a look at some of the issues that may affect remote employees working in the U.S. and abroad.

If you hire remote employees, it’s important to know about pay, tax, and work laws for their locations—whether local, state, or abroad.

You'll want to mark these tax deadlines on your calendar.
01/30/2020
Important Tax Deadlines in 2020 for the 2019 Tax Year

You'll want to mark these tax deadlines on your calendar.

The filing deadline for 2019 returns is April 15, 2020 in most states. Here are some other important deadlines in 2020 and what to do if you miss them.

Were you hired in 2020? You'll need to fill out the new W-4 form. Here's everything you need to know to make this tax se...
01/24/2020
Say Goodbye to Withholding Allowances—the IRS Issued a New W-4

Were you hired in 2020? You'll need to fill out the new W-4 form. Here's everything you need to know to make this tax season easier.

The IRS has a new 2020 W-4 form to accommodate tax law changes and make it easier for taxpayers to complete. Here’s what you need to know.

Are you making good on your 2020 financial resolutions? Take our survey for a chance to win a $25 gift card.
01/21/2020
2020 Financial Resolutions

Are you making good on your 2020 financial resolutions? Take our survey for a chance to win a $25 gift card.

Do you have a New Year's Resolution for your finances?

It's time to earn some miles: Here's everything you need to know about the American Airlines AAdvantage Rewards Program.
01/16/2020
American Airlines AAdvantage Guide: How to Earn and Use Miles

It's time to earn some miles: Here's everything you need to know about the American Airlines AAdvantage Rewards Program.

Here’s what you need to know about earning and redeeming American Airlines frequent flyer miles, including how much your miles are worth.

Did you make any financial resolutions for 2020? Tell us all about them and enter for your chance to win a $25 gift card...
01/16/2020
2020 Financial Resolutions

Did you make any financial resolutions for 2020? Tell us all about them and enter for your chance to win a $25 gift card.

Do you have a New Year's Resolution for your finances?

One of the top premium travel credit cards just got more expensive. Here's what you need to know if you have or are thin...
01/13/2020
Is the Chase Sapphire Reserve Card Still Worth It?

One of the top premium travel credit cards just got more expensive. Here's what you need to know if you have or are thinking about applying for the Chase Sapphire Reserve.

This popular travel card’s annual fee is now $550, but its rewards and benefits still outweigh the high cost.

It's beginning to look a lot like Tax Season, and we're already preparing you for 2021.
01/10/2020
IRS Increases Deductions and Tax Brackets for 2020

It's beginning to look a lot like Tax Season, and we're already preparing you for 2021.

The IRS released 2020 inflation adjustments in late 2019. Tax brackets, standard deductions, tax credits, capital gains, and more were adjusted.

In order to fully understand the federal student loan program, it’s helpful to take a closer look at why it was started ...
01/03/2020
Do You Know How Federal Student Loans Work? Here Are the Basics

In order to fully understand the federal student loan program, it’s helpful to take a closer look at why it was started in the first place—and how it’s changed through the years.

An overview of the conception and history of student loans, both private and public. If you're confused about how to go about selecting a student loan, this information will help you decide how to…

These are the top bank bonuses you can find in 2020.
01/02/2020
The 6 Best Bank Bonuses of 2020

These are the top bank bonuses you can find in 2020.

Read reviews and choose the best bank bonuses from top companies including HSBC, Citi, Chase and more.

Many find New Year's resolutions intimidating, especially when they're about succeeding at work. You can take action to ...
01/02/2020
New Year's Resolutions That Will Help You Win at Work

Many find New Year's resolutions intimidating, especially when they're about succeeding at work. You can take action to achieve them with these ten suggestions for work goals to guide you.

Do you want to create a fantastic, productive, contributing year at work that is also personally fulfilling? You can if you implement these strategies.

Working remotely has a lot of advantages, but working from home isn’t always practical. Coworking spaces offer amenities...
12/22/2019
Find The Best Coworking Spaces Around the U.S.

Working remotely has a lot of advantages, but working from home isn’t always practical. Coworking spaces offer amenities and advantages that leasing just can’t meet.

Find move-in ready affordable office space near you. Coworking spaces are available for one desk on-demand, and scalable to big business offices.

No social security number? No problem. Here's a tax guide for everyone, no matter their citizenship status.
12/21/2019
Tax Rules and Requirements for Undocumented Workers

No social security number? No problem. Here's a tax guide for everyone, no matter their citizenship status.

Undocumented immigrant workers must file taxes on income earned in the U.S. They’re not eligible for a Social Security numbers, but the IRS offers an alternative.

When your application needs a boost to meet lender requirements, applying for a personal loan with a co-signer may impro...
12/21/2019
A Co-Signer Can Help You Get Approved for a Loan

When your application needs a boost to meet lender requirements, applying for a personal loan with a co-signer may improve your chances.

Applying for a personal loan with a co-signer helps improve your chances of getting approved. See why, and how to eventually borrow on your own.

The 30-year fixed-rate mortgage has long been a tradition in the U.S., but for many Millennials buying homes, this old-h...
12/21/2019
Millennial Homebuyers: Should You Choose an Adjustable-Right Mortgage?

The 30-year fixed-rate mortgage has long been a tradition in the U.S., but for many Millennials buying homes, this old-hat loan product just won’t cut it anymore.

Millennials are increasingly shunning tradition and turning toward adjustable-rate mortgages when buying homes. Should you do the same?

These five simple actions will help you make the most of the holiday season when you work from home.
12/21/2019
How to Handle the Holiday Season as a Remote Employee

These five simple actions will help you make the most of the holiday season when you work from home.

Telecommuters might be tempted to skip the office holiday party. Don't do it! Here's how to use the holiday season to further your career.

Here are tips to helping to create a profitable holiday marketing plan.
12/20/2019
9 Holiday Marketing Ideas for Your Home Businesss

Here are tips to helping to create a profitable holiday marketing plan.

9 tips for marketing your home business during the holidays no matter what you sell. Learn effective ways to market any business over the holidays.

ShopRunner can help you save with free, two-day shipping at over 100 retailers. Bonus—you get free returns.
12/20/2019

ShopRunner can help you save with free, two-day shipping at over 100 retailers. Bonus—you get free returns.

Year-end fundraising typically brings in a significant amount of donations, and most charities prepare unique holiday se...
12/20/2019
Year-End Fundraising Strategies for a Nonprofit to Maximize Donations

Year-end fundraising typically brings in a significant amount of donations, and most charities prepare unique holiday season fundraising campaigns. However, there are plenty of easy tips nonprofits may not know about.

It is no secret that year-end fundraising is the most profitable fundraiser for nonprofits. Maximize donations with these tips

The competition for Christmas shopping dollars is fierce so small retailers really have to go the extra mile to increase...
12/20/2019
5 Ways to Reward Your Christmas Shoppers

The competition for Christmas shopping dollars is fierce so small retailers really have to go the extra mile to increase Christmas sales.

Find 5 ideas for gifting your customers that will help increase Christmas sales for small retailers and possibly increase customer loyalty, too.

For investors, the benefit of GAAP is that it brings consistency and transparency to financial statements. That, in turn...
12/19/2019
Do You Know What GAAP Is? If You’re an Investor, You Should

For investors, the benefit of GAAP is that it brings consistency and transparency to financial statements. That, in turn, may help bolster confidence in capital markets.

GAAP, or generally accepted accounting principles, is a reporting standard that helps investors evaluate a company’s financial results. Here’s why it matters.

If you're one of those people feeling more frazzled than festive, taking the time to use a few time management strategie...
12/19/2019
Suffering From Christmas Stress? Here's How to Reduce the Strain

If you're one of those people feeling more frazzled than festive, taking the time to use a few time management strategies can really reduce Christmas stress.

Feeling more frazzled than festive? Learn how to reduce Christmas stress so you feel in control and can enjoy the holiday season.

If you’ve heard of cryptocurrency or Bitcoin, you might be wondering what all the hype is about.
12/19/2019
What You Need to Know About Cryptocurrency

If you’ve heard of cryptocurrency or Bitcoin, you might be wondering what all the hype is about.

Cryptocurrency, like Bitcoin and Ethereum, is digital or virtual currency. Though not yet widely used, here’s what to know before investing in it.

If the costs of professionally encapsulating your crawl space are beyond your budget, you can opt for a DIY approach.
12/19/2019
How Much Does It Cost to Encapsulate Your Crawl Space?

If the costs of professionally encapsulating your crawl space are beyond your budget, you can opt for a DIY approach.

The average crawl space encapsulation cost is around $5,500, though it could be less or more. It can protect your home from mold, pests, and more.

If you live in an earthquake-prone area, it’s important to understand the steps that you may need to take to cover the d...
12/19/2019
Tips for Filing an Insurance Claim After an Earthquake

If you live in an earthquake-prone area, it’s important to understand the steps that you may need to take to cover the damage. Here’s how to use earthquake insurance.

Earthquake insurance is important if you live in an earthquake-prone area. To file a claim, you must purchase a specific policy.

While no one can predict whether a stock will go up or down, here are some things you should be aware of before investin...
12/18/2019
Buying Facebook Stock: A Guide for Beginners

While no one can predict whether a stock will go up or down, here are some things you should be aware of before investing your money in Facebook.

You can buy Facebook stock through an online brokerage and it may also be available in ETFs or mutual funds. Here’s what to know before investing.

What are your financial resolutions for 2020? The Balance wants to know!
12/17/2019
2020 Financial Resolutions

What are your financial resolutions for 2020? The Balance wants to know!

What are your financial goals for 2020?

There is a widespread misconception that carrying a credit card balance helps your credit score, when in actuality, it d...
12/17/2019
The Balance's Affluent Millennial Money Study

There is a widespread misconception that carrying a credit card balance helps your credit score, when in actuality, it doesn’t. Debunk debt myths by reading our Affluent Millennial Study.

The Balance surveyed affluent millennials to learn how this generation views credit and debt, as well as who taught them about money and how that education influences where they spend, save, and…

Achieving your financial goals in 2020: A how-to guide.
12/16/2019
3 Ways to Make Your Money Work for You

Achieving your financial goals in 2020: A how-to guide.

Learn the three most important things you can do to make the most of your money. Begin to build wealth now using these three steps.

This article is a step-by-step "mini-course" in payroll. Take special note of payroll and payroll tax due dates.
12/10/2019
Want to Do Your Own Payroll Processing? Get Started Now

This article is a step-by-step "mini-course" in payroll. Take special note of payroll and payroll tax due dates.

Follow these three steps to do your own payroll and payroll taxes: prepare to pay employees, pay employees, and complete post-payment work.

Our Affluent Millennial Money Study found that 86% of affluent millennials consider being debt-free a marker of success,...
12/10/2019
The Balance's Affluent Millennial Money Study

Our Affluent Millennial Money Study found that 86% of affluent millennials consider being debt-free a marker of success, yet 50% don’t pay off their monthly credit card bills. Here's what else we discovered.

The Balance surveyed affluent millennials to learn how this generation views credit and debt, as well as who taught them about money and how that education influences where they spend, save, and…

If you file for disability retirement benefits, the rules that govern eligibility and payout is FERS. Here’s how it work...
12/09/2019
Are You Eligible for Federal Disability Retirement Benefits?

If you file for disability retirement benefits, the rules that govern eligibility and payout is FERS. Here’s how it works.

Eligibility for federal disability retirement benefits comes with a list of requirements. See if you qualify.

12/09/2019
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Planning on driving internationally? Getting an IDP doesn’t take a ton of time, but it’s certainly not something you wan...
12/06/2019
International Driving Permit? Yes or No?

Planning on driving internationally? Getting an IDP doesn’t take a ton of time, but it’s certainly not something you want to leave until the last minute.

Traveling abroad can be intimidating. Learn what to expect when it comes to getting an international driving permit and whether or not you need one to drive internationally.

Find out the best ways you can save on care when your pet gets sick.
12/06/2019
Sick Pet? Find out How to Save Cash on Care

Find out the best ways you can save on care when your pet gets sick.

If your pet gets sick or injured, the costs can escalate quickly. Find out how to save on care for your pet, and viable insurance options and alternatives.

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The Balance makes personal finance easy to understand. It is home to experts who provide clear, practical advice on managing your money. Whether you’re looking to invest, buy a home, save for retirement, or achieve another financial goal, The Balance will answer your questions with straightforward personal financial advice.

The Balance. Make money personal.

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