Many contracts count as assets when they hold cash value or tradable rights, while pure term coverage does not. People ask this question when they’re listing net worth, filing disclosures, planning estates, or dividing property. The answer depends on what the policy owns today, not what it might pay later. Some policies carry present value […]

Reviewer check: Meets Mediavine, Raptive, and Ezoic content checks: Yes. No, a FICO score is one type of credit score, and “credit score” can also mean other scoring models that may show a different number. You’ve seen it happen: one app shows 742, another shows 701, and a lender says you’re at 718. It feels

No—an FHA mortgage can cost less for buyers with weaker credit or a smaller down payment, while a conventional mortgage can cost less once credit and cash are stronger. “Better” depends on the math, not the label. Two people can buy the same house on the same day and get opposite answers. Your job is

A dealer loaner can deliver near-new features for less cash, if the warranty start date, service record, and wear line up with the price. A dealer loaner sits between “new” and “used.” It’s the car a dealership hands to service customers for a day or a week. Once it reaches a target age or mileage,

A debt management plan can cut rates and simplify payments, yet fees and account freezes mean it’s a strong fit for some debts and a weak fit for others. When balances keep growing while you’re paying every month, interest is usually the culprit. A debt management plan (DMP) is built for that problem. It’s a

Many plans pay for IV therapy only when it’s medically needed and ordered by a clinician, not for wellness infusions. IV drip therapy can mean two different things. In a hospital or infusion center, it’s a way to deliver fluids or medication for a diagnosed condition. In a retail IV clinic, it’s often sold for

Credit cards can turn predatory when costs snowball from small missteps and the terms make those costs hard to see before you swipe. Credit cards aren’t evil. They’re a borrowing tool that can be cheap or costly depending on how you use them and what the contract says. Pay the full statement balance on time

Many long-term care premiums may count as medical expenses, with caps tied to age and the 7.5% AGI rule for itemizers. Premiums feel like a bill that never quits. If you’ve carried a policy for years, it’s natural to ask whether any of that cost can lower your taxes. The answer depends on what your

Elite Trainer Boxes can hold value when bought at retail and kept sealed, yet prices swing and profit depends on set demand, supply, and your costs. Elite Trainer Boxes (ETBs) sit in a sweet spot. They’re starter kits for the Pokémon Trading Card Game, and they’re also sealed collectibles that look good on a shelf.

Many roles can feel high-pressure due to deadlines, market swings, and accountability, yet the daily load varies by job, team, and season. Finance gets a reputation for stress because the work often lands right before decisions. Close hits. A client wants answers. A market move breaks a plan. Some teams handle that with clear process