@Betterment_Lab

A #personalfinance #blog on a mission to give you the best tactics, tools and advice so you can, well, better your #financial life!

 Washington, DC
linktr.ee/bettermentlab
Joined September 2019
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Money management is something that anybody can do well. You don't need a college education. You don't need to know anything other than that managing your money is about controlling your money and knowing where your money is going. Check out the guide: mailchi.mp/6415ae0d03c1/mast…
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Virtual Card Numbers Protect You From Breaches, Not Phishing – Guard Your Login Too moneycrashers.com/virtual-ca…

Virtual Card Numbers Protect You From Breaches, Not Phishing - Guard Your Login Too

A virtual card number keeps your real card number safe in a store’s data breach, but it can’t stop phishing. Find out which habits protect your account.

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The Biggest Financial Mistakes Happen During Major Life Transitions moneycrashers.com/financial-…

The Biggest Financial Mistakes Happen During Major Life Transitions

Marriage, divorce, a new baby, or a new job can trigger costly money mistakes. See the forms and deadlines to fix first. Find out what to check and when.

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Discover it Miles Review – No-Fee Miles Doubled at the End of Year One moneycrashers.com/discover-i…

Discover it® Miles Review - No-Fee Miles Doubled at the End of Year One

Discover it Miles earns 1.5 miles per $1, doubles your first year’s miles, and has no annual or foreign transaction fee. Find out if it fits your travel.

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JetBlue Business Card Review – Pays Off for Owners Who Fly JetBlue and Check Bags moneycrashers.com/jetblue-bu…

JetBlue Business Card Review - Pays Off for Owners Who Fly JetBlue and Check Bags

The JetBlue Business Card gives owners a free first checked bag, Group 3 boarding, and 6X points on JetBlue for $99 a year. See if it fits your company.

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Capital One Quicksilver Review – When Flat 1.5% Cash Back Beats a 2% Card moneycrashers.com/capital-on…

Capital One Quicksilver Review - When Flat 1.5% Cash Back Beats a 2% Card

Capital One Quicksilver pays 1.5% cash back with no annual fee or foreign transaction fee. Find out when it beats a flat 2% card and whether it fits you.

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JetBlue Card Review – No-Fee TrueBlue Points for Flyers Who Don’t Check Bags moneycrashers.com/jetblue-ca…

JetBlue Card Review - No-Fee TrueBlue Points for Flyers Who Don’t Check Bags

The JetBlue Card charges no annual fee and earns 3X TrueBlue points on JetBlue purchases, but it has no free bags or boarding perks. Find out who it suits best.

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Nonprofit Debt Management Plans Can Cut Card Rates to Single Digits – No Loan Needed moneycrashers.com/nonprofit-…

Nonprofit Debt Management Plans Can Cut Card Rates to Single Digits - No Loan Needed

A nonprofit debt management plan can cut your card rates, often to single digits, without a new loan. Learn how it works and how to pick a trustworthy agency.

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Marriott Bonvoy Brilliant Amex Card Review – Worth $650 Only to Frequent Marriott Guests moneycrashers.com/marriott-b…

Marriott Bonvoy Brilliant Amex Card Review - Worth $650 Only to Frequent Marriott Guests

The Marriott Bonvoy Brilliant Amex charges $650 a year for Platinum Elite status, a yearly free night, and dining credits. Find out if it pays off for you.

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Credit Card Rewards – 6 Ways to Get More Value From the Same Spending moneycrashers.com/credit-car…

Credit Card Rewards - 6 Ways to Get More Value From the Same Spending

Get more value from credit card rewards on the same spending, from paying in full to pairing cards and pricing points in cents. See which moves fit your card.

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United Club Business Card Review – A $750 Club Membership for a $695 Fee moneycrashers.com/united-clu…

United Club Business Card Review - A $750 Club Membership for a $695 Fee

The United Club Business Card’s $695 fee is $55 less than United’s $750 club membership, and it adds free checked bags. Find out if it fits how you fly.

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Every Number on Your Credit Card Has a Job – Guard the Security Code moneycrashers.com/credit-car…

Every Number on Your Credit Card Has a Job - Guard the Security Code

Learn what each number on your credit card does and why the three- or four-digit security code is the one to guard. Find out how to keep it away from thieves.

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Upgrading to the Chase Sapphire Reserve Skips Its Sign-Up Bonus – Apply First moneycrashers.com/sapphire-r…

Upgrading to the Chase Sapphire Reserve Skips Its Sign-Up Bonus - Apply First

Upgrading a Chase Sapphire Preferred to the Reserve skips the Reserve’s sign-up bonus and can rule it out later. Find out when applying new beats upgrading.

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Prescription Discount Cards Can Beat Your Copay – Ask the Pharmacist for Both Prices moneycrashers.com/prescripti…

Prescription Discount Cards Can Beat Your Copay - Ask the Pharmacist for Both Prices

A free discount card can make a prescription cheaper than your copay. Learn how to compare pharmacies, ask for both prices, and weigh the deductible trade-off.

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Charging a Car Down Payment Earns Rewards – If No Fee or Interest Erases Them moneycrashers.com/car-down-p…

Charging a Car Down Payment Earns Rewards - If No Fee or Interest Erases Them

Many dealers accept a credit card for part of a car down payment, and the charge can earn rewards. Find out when it pays off and how to avoid fees and interest.

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Keep the Card, Lose the Annual Fee – Call for a Retention Offer or Downgrade moneycrashers.com/downgrade-…

Keep the Card, Lose the Annual Fee - Call for a Retention Offer or Downgrade

Closing a card over its annual fee can raise your credit utilization. Ask for a retention offer or a no-fee downgrade instead. Find out how to make the call.

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Your Inbox Is Your Account List – Give Your Heirs a Way In moneycrashers.com/digital-ac…

Your Inbox Is Your Account List - Give Your Heirs a Way In

Paperless statements turn your inbox into the list of what you own. Learn how to give your heirs a way into your digital accounts before they need one.

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Single Parents Owe Less Tax as Head of Household Than as Single moneycrashers.com/head-of-ho…

Single Parents Owe Less Tax as Head of Household Than as Single

Single parents who file as single miss a 50% bigger standard deduction and wider low tax brackets. See who qualifies for head of household and how to claim it.

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Never Take a Credit Card Cash Advance – The Fee and Interest Start That Day moneycrashers.com/credit-car…

Never Take a Credit Card Cash Advance - The Fee and Interest Start That Day

A credit card cash advance costs a fee up front and interest from the day you take it, and money orders and some transfers count too. See what to use instead.

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A 529 Plan Is the Most Tax-Efficient Way to Save for Education Costs moneycrashers.com/529-plan-t…

A 529 Plan Is the Most Tax-Efficient Way to Save for Education Costs

A 529 plan grows untaxed, pays out tax-free for school costs, and can earn a state deduction. Find out how to capture every break before you pick a plan.

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Use the 50/30/20 Rule to Find Out Why Your Savings Come Up Short moneycrashers.com/50-30-20-b…

Use the 50/30/20 Rule to Find Out Why Your Savings Come Up Short

Use the 50/30/20 rule as a one-hour checkup to find out whether fixed costs, spending habits, or income are behind your savings gap. Learn how to run it.

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