Personal Finance
How on-time payments affect credit score—and why it's not enough
If you’re carrying a credit card balance in 2025, you’re not alone. Americans now hold $1.18 trillion in credit card debt—near record levels....
What’s likely to move the market in the next trading session
As Wall Street closes out a session that offered more ambiguity than direction, attention is already shifting to the signals lining up ahead....
House passes SALT deduction changes
[UNITED STATES] House lawmakers on Thursday morning voted to advance changes to the federal deduction for state and local taxes—commonly referred to as...
How Buy Now Pay Later affects your credit score
It used to feel like a loophole. You’d split a $120 purchase into four $30 payments using Klarna, Afterpay, or Zip. There were...
How this self-made millionaire in Singapore built wealth without flashy brands
In Singapore, where a plate of chicken rice costs $5 but a modest condo can fetch over $2.5 million, becoming a self-made millionaire...
Micro habits for building wealth without burnout
Early mornings, productivity hacks, and cold plunges often dominate wealth-building advice. But beneath the noise, a quieter movement is reshaping the conversation. Wealth...
America’s 401(k) savings rate is up again—but the gap is still growing
Let’s start with the headline: in 2024, Americans saved more in their 401(k)s than ever before—on average. Vanguard reported a combined employee +...
How a $300K loss exposed the hidden risks of overseas property deals in Singapore
They were cautious, not careless. The Singaporean couple who recently lost nearly $300,000 in a foreign property deal did what many would consider...
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The health insurance pre-authorisation backlash could spark real reform
Health insurance pre-authorisation—meant to verify medical necessity before an insurer foots the bill—is quietly turning into one of the most divisive issues in...
Credit cards aren’t the problem—but your behavior is
Credit cards have become an everyday financial tool across Singapore, the UAE, and most urbanized markets. They offer points, perks, and payment flexibility...
Bonds 101: What every beginner should know
You’re probably more familiar with stocks, crypto, and whatever TikTok is pushing this week. But bonds? They don’t usually make it to the...
How Medicaid and ACA cuts could push millions into medical debt
Proposed federal cuts to Medicaid and the Affordable Care Act could drive up household medical debt by thousands of dollars—forcing millions of Americans...
When to apply for a credit card—and when to wait
Applying for a credit card isn’t just about getting another way to pay for things. It’s about taking on a financial product with...
How to plan retirement income like a pro
So you’ve got a number in your head—maybe $1 million, maybe $2 million—and you’re hoping it’s enough to coast through retirement. But here’s...
Buy now pay later credit risk is creeping into your financial plan
It started with a pair of sneakers. Then a blender. And more recently, groceries. Buy now, pay later (BNPL) options have become a...
Why some loans create more risk than relief
There are moments when borrowing money seems like a lifeline—but may, in fact, deepen your financial stress. Whether you're tempted by a quick...
Why electricity prices are rising in the US—and what it means for your budget
Electricity bills are getting more expensive in the United States—and faster than most households planned for. According to the latest Consumer Price Index,...
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