Monday, July 26

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The US national eviction moratorium ends July 31. Here are 3 steps you can take if you’re still struggling to pay rent.

Through the CDC, there is a national ban on evictions through July 31. A handful of US states have their own eviction moratoriums that will continue past July 31, though. You may qualify to receive money for rental assistance if you're eligible for unemployment benefits. Read more personal finance coverage. Right now, the CDC has a nationwide ban on evictions due to the COVID-19 pandemic. But this federal moratorium is set to end on Saturday, July 31.If you're still having a hard time paying rent, you may be able to access aid even after the national ban ends. Your options largely depend on where you live in the US. Here are three ...
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Customers aren’t happy with their car insurance and are switching carriers, but the cheapest option isn’t always the best

Personal Finance Insider writes about products, strategies, and tips to help you make smart decisions with your money. We may receive a small commission from our partners, like American Express, but our reporting and recommendations are always independent and objective. Despite over $10 billion in rebates and discounts from car insurance providers, consumers are still dissatified. Consumers are switching providers for the cheapest premium they can find. However, cheap premiums don't guarantee proper coverage or good claims service. See Insider's picks for the best car insurance companies. The ...
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How to apply for an income-driven repayment plan if your student loans are crushing you

There are several reduced-payment options for those who meet income and family size requirements. An income-driven repayment plan may be a good choice if you can't handle your monthly payments. Your federal student loans are in forbearance until September 30, 2021. Read more personal finance coverage. Many Americans are still feeling financial pressure as the US rebounds from the devastating economic impact of the coronavirus pandemic, and that's especially true for anyone in the midst of paying back a student loan. If you're suddenly working reduced hours or have lost your job entirely, that previously manageable monthly payment might be looking a lot hig...
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Accidental death & dismemberment insurance is not a replacement for life insurance

Personal Finance Insider writes about products, strategies, and tips to help you make smart decisions with your money. We may receive a small commission from our partners, like American Express, but our reporting and recommendations are always independent and objective.Life insurance is a contract between you and the life insurance company. You pay premiums (monthly or annually) for a payout that your living relatives will receive, known as the death benefit. Should you die, the insurance company pays the death benefit to your chosen beneficiary.Accidental death and dismemberment life insurance (AD&D) pays a cash benefit for accidental death or loss of limbs, hearing, sight, or speech due to an accident only. Death or injury must occur as a direct resu...
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A retirement account can reduce your tax bill, but the type you decide to use determines when

An IRA, or Individual Retirement Account, is a retirement savings account that can reduce your tax bill — now or in the future. If you invest in a Roth IRA, you'll pay taxes on the money you contribute today, but not when you make withdrawals during retirement. If you invest in a traditional IRA, you'll save money on taxes today but will pay taxes when you take out money during retirement. See Insider's guide to the best IRA accounts. You have a lot of options when it comes to saving for retirement. Contributing to a 401(k) is a great starting point, especially if your employer offers a match. But if that's not an option, or if you want to save even more,...
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5 tips on getting a low interest rate on a car loan

When you buy through our links, Insider may earn an affiliate commission. Learn more.To get a better rate, start by understanding your credit situation, and take steps to improve it. You may get a lower interest rate on your auto loan with a cosigner who has good credit. Putting down more money upfront for your loan will often net you a better rate. Read more of Insider's loan coverage here. If you're on the hunt for a new or used car, you're looking to get the best deal possible on your auto loan and maximize your dollars. Luckily, getting a good interest rate just takes thorough research and a willingness to negotiate terms .Here are five tips to help you...
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If you purchased appliances for your rental, renters insurance will cover most damage — but not improper maintenance

Personal Finance Insider writes about products, strategies, and tips to help you make smart decisions with your money. We may receive a small commission from our partners, like American Express, but our reporting and recommendations are always independent and objective.Most landlords furnish rental units with household appliances, but if your landlord didn't supply appliances and you had to buy them, renters insurance will cover damage to your appliances. But in order for damage to be covered, it must be the result of named insurance perils, or covered events, such as fire, theft, and vandalism.Does renters insurance cover household appliances?Renters insurance is a type of homeowners insurance that replaces your belongings if damaged or stolen. Howeve...
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You may qualify for Public Service Loan Forgiveness, but you’ll still make payments for at least 10 years

Public Service Loan Forgiveness, or PSLF, is mostly for governmental and non-profit workers. You'll need to make 120 qualifying monthly payments to be eligible for forgiveness. The program's track record has been shaky, so don't rely on forgiveness as a cure-all. Read more of Insider's loan coverage here. Federal student loan debt across the country is ballooning, leaving many borrowers unable to pursue other financial goals. The total amount owed to the government is $1.59 trillion, according to the latest figure from the US Department of Education. While the situation may seem bleak, if you work in an eligible public service job, you may be able to take a...
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What is homeowners insurance and what type of policy do you need?

Personal Finance Insider writes about products, strategies, and tips to help you make smart decisions with your money. We may receive a small commission from our partners, like American Express, but our reporting and recommendations are always independent and objective.Homeowners insurance protects the homeowner, home, and personal belongings. If your home is damaged and unlivable, relocation costs can be reimbursed under loss of use. Damage to your home must be caused by an insurance peril to be covered. See Insider's picks for best homeowners insurance companies. Homeowners insurance protects your dwelling amd personal property, in addition to offering per...
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Homeowners insurance covers fire damage, but if wildfires are common where you live you may need to increase coverage

Personal Finance Insider writes about products, strategies, and tips to help you make smart decisions with your money. We may receive a small commission from our partners, like American Express, but our reporting and recommendations are always independent and objective.Homeowners insurance covers damages to your belongings from fire and smoke. But if you live in an area where wildfires are common, consider increasing your dwelling and personal property coverage. If your home is unlivable due to fire or smoke damage, your insurance policy could help you relocate. See Insider's picks for the best homeowners insurance companies. Wildfire season is here, and wit...