5 Easy Ways to Dodge Costly Overdraft Fees

Recently, I got a disheartening message from my bank showing a negative balance in my account, leading to the dreaded overdraft fee. Has this ever happened to you? It’s surprising how easily it can occur, even when we think our finances are in check. According to the Consumer Financial Protection Bureau, Americans collectively pay around…

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Understanding the Differences Between Disability and Long-Term Care Insurance

If you’ve ever had a full-time job, you’ve probably heard of ‘disability insurance,’ since many employers offer this benefit. They usually provide either short-term or long-term disability insurance, or sometimes both. If you’re self-employed, you might have your own individual plan. You might also be familiar with long-term care insurance (LTC). Some people confuse it…

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