Today's briefing
EarningTricks
Lead story
How emergency funds should change after a job switch
A job change resets your risk. New employers often have a waiting period for health insurance, a different pay cycle, and no paid leave in the first months. The three-month cash…
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- 04
How to read a car insurance declaration page
The declarations page is the one-page summary of your auto policy. It lists who is covered, which cars, the limits, the deductibles, and what you pay. If a claim is de…
- 05
What a health savings account can and cannot pay for
A health savings account (HSA) is only available with a qualifying high-deductible health plan. Money goes in pre-tax, grows tax-free, and comes out tax-free for eligi…
- 06
How student-loan income-driven plans changed this year
Income-driven repayment ties the monthly bill to your earnings and household size. The plan names and the percentage of discretionary income have shifted again, so a p…
- 07
When refinancing a mortgage still makes sense
A refinance replaces your current loan with a new one. It helps when the new rate, after closing costs, saves money over the years you will actually stay in the house.…
- 08
How to compare term life quotes without over-insuring
Term life pays a lump sum if you die during a fixed term. The right amount is the gap your household cannot cover: remaining mortgage, childcare, and a few years of in…
- 09
What Medicare Advantage covers that Original Medicare does not
Original Medicare is Part A hospital cover and Part B medical cover. It does not include routine dental, vision, or hearing, and it has no annual out-of-pocket cap. Me…