Author: online.bizshow@gmail.com

Unlike most people, I love ARMs, or adjustable-rate mortgages. Adjustable-rate mortgages have helped me save over $300,000 in mortgage interest expense since 2005 compared to if I had taken out 30-year fixed-rate mortgages. Despite all the fear, uncertainty, and doubt surrounding ARMs, they have been one of the most powerful wealth-building tools in my financial life. By taking advantage of lower introductory rates and paying down principal whenever there’s free cash, I have consistently reduced interest expense while maintaining flexibility. In this post, I walk through a real-world case study that tackles one of the biggest fears surrounding ARMs: What…

Bilt Cash is one of two rewards currencies you can earn on one of the three Bilt credit cards. Bilt Cash can’t be redeemed for actual cash back or transferred directly to Bilt’s multiple travel partners, but you can spend it on eligible purchases through the Bilt app or on bilt.com. The Bilt Blue Card ($0 annual fee).The Bilt Obsidian Card ($95 annual fee).The Bilt Palladium Card ($495 annual fee).Bilt Cash was introduced in January 2026 when Bilt revamped its card lineup. Each $1 in Bilt Cash is typically worth $1 when redeemed within the Bilt ecosystem. One notable way…

“Zombie debt” is debt that shows up long after someone thought the account was closed, forgotten, or too old to matter. Sometimes it comes from outdated records, and other times it appears because a collection agency purchased old accounts and began contacting people again.  Understanding why an old debt might reappear can help you decide what information to gather and what questions to ask. This blog explains how zombie debt works, why it resurfaces, and the steps people often take to review and respond to these unexpected notices.  What Zombie Debt Is  Zombie debt is an old account that reappears after years…

There are plenty of free net worth trackers on the internet. For most of them, you enter the value of your assets and liabilities, and the calculator does the simple math to show you how much you’re worth. The best net worth calculators, however, do far more than simple math. They enable you to connect accounts to automatically pull in data. They can connect bank accounts, credit cards, investment and retirement accounts, and even the value of your home. These calculators then regularly update your net worth and keep track of changes over time. With that in mind, what follows…

We believe everyone should be able to make financial decisions with confidence. While we don’t cover every company or financial product on the market, we work hard to share a wide range of offers and objective editorial perspectives.So how do we make money? Our partners compensate us for advertisements that appear on our site. This compensation helps us provide tools and services – like free credit score access and monitoring. With the exception of mortgage, home equity and other home-lending products or services, partner compensation is one of several factors that may affect which products we highlight and where they…

Saving money can feel challenging, especially when everyday expenses take up more room in your budget than expected. Still, small changes in how you manage spending and set priorities may help you put money aside over time. With the right approach, you can build habits that support both short-term needs and long-term goals. The strategies below offer ways to think about saving and to explore tools that might fit your situation.  Why Saving Money Can Feel Difficult  Many people want to save more but find it hard to get started. Daily expenses, unexpected bills, or changes in income can make it tough…

Well folks, after 60 agonizing days of dealing with car salespeople, test-driving far too many vehicles, visiting two auto mechanics to diagnose and fix my current car, and wasting an unhealthy amount of time on online research, I have decided not to buy a new car. I know this may disappoint everyone who generously shared advice and recommendations. Believe me, I listened. At the top of my list were the Lexus GX 550, Toyota Land Cruiser, Toyota Highlander, Rivian R1S and R2, Range Rover Sport, and Tesla Model Y Performance with FSD. I am sure I would enjoy every one…

    Ramit Sethi of I Will Teach You To Be Rich continues his discussion with Mike and Noel in part two of their financial deep dive. The couple, married for just 6 months, faces a daunting $244K in debt with zero savings, fueled by previous “guilt-free” spending and a shocking $170K windfall that disappeared. Despite their dire situation, major cuts to their fixed costs haven’t happened yet. Ramit encourages Noel to reconsider her church tithing and find proactive ways to increase income, like driving for Uber. Can they shift their mindset from feeling deprived to purposeful sacrifice, anchor their…

For years, investing apps were a novelty. Now, they’re synonymous with brokerage accounts. And considering how easy they are to use, it makes sense that new investors are turning to mobile platforms to get into the stock market. Below, we’ve listed online brokerages whose mobile apps feature everything a new investor might need. All of these platforms offer: Commission-free trading. By now, free trading is the norm in the industry. Any broker or app you consider should not charge commissions. Some brokers like to flaunt this as a differentiator, but honestly, it’s a table stakes offering. Fractional shares. The ability to…

Most of the best bank account promotions on the market right now cater exclusively to consumers. Indeed, many of the United States’ best online banks seem to favor personal account holders rather than business owners. But not all banks shortchange small-business owners. If you’re a small-business owner, solopreneur, or freelancer, you just need to know where to look to find potentially lucrative credit union and bank account bonuses and referral opportunities. Best Small-Business Bank Account Promotions & Bonuses These are the best small-business bank promotions this month. Unless otherwise noted, all are available to businesses of all sizes, including sole proprietors and freelancers without formal…