Credit cards that offer points, cash back, and travel benefits can be valuable tools for getting more out of your everyday spending. But to truly benefit from rewards cards, you need to use them strategically. Here's how to make the most of your credit card rewards without falling into common traps.
One of the most pressing questions during a divorce is how it will impact taxes. Your filing status, withholdings and property division are key areas where you’ll want to be clear on tax implications so you can make a holistic decision without tax surprises after everything is said and done.
Scammers are evolving faster than ever, and seniors have become their primary target. In 2024 alone, older Americans lost over $3.4 billion to fraud—a staggering increase driven by two particularly insidious schemes: Medicare and Medicaid fraud that weaponizes healthcare confusion, and Bitcoin ATM scams that exploit urgency and fear. These aren't the clumsy phone scams of yesterday. Today's criminals use sophisticated caller ID spoofing to appear as legitimate government agencies, deploy AI-generated voices that sound remarkably authentic, and employ psychological manipulation tactics refined through thousands of successful thefts. What makes these scams especially dangerous is how they prey on trust—trust in Medicare, trust in law enforcement, and trust in technology that many seniors didn't grow up with. But knowledge is power, and understanding how these scams work is your first line of defense.
Do you need to adjust your savings rates to account for new contribution limit increases? Double check to make sure you’re not missing out on the new opportunity to save more, plus a tax law change that sweetens your charitable donations!
Every January, millions of people set ambitious New Year's resolutions, only to abandon them by February. Studies show that approximately 80% of resolutions fail by the second week of February. The problem isn't lack of willpower—it's the approach itself.
Traditional resolutions are often vague, all-or-nothing, and disconnected from our daily lives. Here are evidence-based alternatives that create lasting change.
When the clock hits midnight on January 1st, many of us are quick to declare our resolutions. We dive headfirst into the year with lofty goals, fueled by the idea that a new calendar year signifies a clean slate. But let’s be honest: January is often cold, dark, and sluggish—a time when the world feels more inclined to hibernate than to thrive. Perhaps we've been looking for new beginnings in the wrong place.
