Personal Finance
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Alene Laney

Alene Laney

Alene Laney is an award-winning personal finance writer with over ten years of experience in media. She writes about optimizing money choices when it comes to credit, award travel, saving, investing, real estate, mortgages and taxes.

Articles by Alene Laney

best credit cards for restaurants

Best Credit Cards for Restaurants and Dining in July 2024

If you want to earn rewards for dining, you’ll need the right card. These are our recommendations for the best credit cards for restaurants.

what to ask your financial advisor

10 Questions to Ask Your Financial Advisor

Asking the right questions can help you choose the right financial advisor. Here’s a list to get you started.

best mastercard credit cards

Best Mastercard Credit Cards in July 2024

These are the best of the best credit cards branded and processed by Mastercard. Will one make sense for your wallet?

Lowe's vs Home Depot Credit Cards

Lowe's vs. Home Depot Credit Cards

Between the Home Depot and Lowe’s store credit cards, is one card better? Read our verdict here.

how to get a loan with bad credit

How to Get a Loan With Bad Credit

It can be difficult to get a loan with bad credit. The right lenders and sufficient income will go a long way to help.

credit score for personal loans

What Credit Score Do You Need for a Personal Loan?

Not all lenders have a minimum credit score requirement, but generally the higher your credit score, the better your interest rate and loan term.

Unemployment Emergency Loans

Best Loans for the Unemployed 2024

Have an employment setback? These are the best personal loans to look for when you’re out of work.

tax refund

When Will I Receive My Tax Refund?

When you receive your tax refund depends on how and when you file your taxes, among other factors.

Best Credit Cards With No Foreign Transaction Fees for July 2024

Don’t get buried in fees when you’re traveling abroad. Keep one of these cards in your wallet instead.

world of hyatt credit card review

World of Hyatt Credit Card Review 2024

The World of Hyatt credit card enhances the World of Hyatt loyalty program with strong category bonus earnings, accelerated status, and a free night every year.

business credit card

How to Get a Business Credit Card in 5 Simple Steps

Wondering how to get a business credit card? Your personal credit score can help if you’re looking to get one of the best small business credit cards out there.

discover credit cards

Best Discover Credit Cards for July 2024

Discover has some of the best credit cards with cash back rewards, none of which charge an annual fee. Which one matches up with your credit situation?

credit cards for fair credit

Best Credit Cards for Fair or Average Credit in July 2024

What options do borrowers with fair credit have when it comes to picking a credit card? These are our recommendations.

how to buy rental property

7 Tips for Buying Rental Property

Investing in real estate can build wealth, but there are a lot of costs and much ongoing work involved with buying rental property. Here’s what you’re in for.

fixed income investments

Best Fixed Income Investments in 2024

The best fixed-income investments help your money grow with less risk than stocks. Here are some top options, with tips on how to get started.

freedom unlimited card review

Chase Freedom Unlimited Review 2024

The Chase Freedom Unlimited’s 1.5% cash back on everyday purchases is made even more valuable by its connection to the Ultimate Rewards program.

how to invest in penny stocks

Best Ways to Invest In Penny Stocks

Are penny stocks a gamble or a real investment? You might rethink whether or not they belong in your portfolio when you learn what’s involved.

best credit cards bad credit

Best Credit Cards for Bad Credit for July 2024

The best credit cards for bad credit can help you build your credit score for a better financial future. These are our recommendations. See why they were chosen.

What Is a Solo 401(k)?

What is a solo 401(k)?

A solo 401(k) is a retirement account for self-employed individuals who need higher limits to fast-track their retirement savings.

best robo advisors

The Best Robo-Advisors of July 2024

Robo-advisor investment portfolios vary more than you might expect. Here are our latest recommendations for the best robo-advisors.

debt consolidation

How to Get a Debt Consolidation Loan with Bad Credit

It’s possible to see which kinds of debt consolidation loans you qualify for when you have bad credit. Here’s how to do it and where you should look.

What Is an IRS 1099 Form

What Is an IRS 1099 Form

Form 1099 reports income from sources other than employment. It’s filed differently than Form 1040 for wages, so you may need help in understanding all the requirements.

Bilt World Elite MastercardReview

Bilt World Elite Mastercard® Credit Card Review 2024

The Bilt Mastercard earns travel rewards when you pay your rent, offers valuable redemptions from travel partners, and doesn’t charge an annual fee. Our review details the card’s features, fine print, drawbacks, and competitors.

pros cons debt consolidation

Pros & Cons of Debt Consolidation

Debt consolidation can help you pay off debt, improve your credit, and simplify your finances, but it can also mean paying more interest on a longer-term loan.

Reverse Mortgage vs Home Equity Loan

Reverse Mortgage vs. Home Equity Loan: Key Differences And Which To Choose

Reverse mortgages and home equity loans allow you to access your home’s equity, but how they impact your finances is vastly different.

Tax efficient investing

Everything You Need to Know About Tax Efficient Investing

Tax-efficient investing can help keep more money in your pocket. Here are the accounts, investments, and strategies you should look at.

United Club Infinite Card

United Club Infinite Card Review 2024

United’s premium credit card, the United Club Infinite, is jam-packed with features and benefits, but it may not hold enough value for infrequent travelers.

Mastercard Black Card

Mastercard Black Card Review 2024

Is the Mastercard Black Card worth the $495 annual fee? See if it makes sense for you in our review.

amex gold card review

American Express Gold Card Review 2024

Is the American Express Gold card worth its annual fee? Read about the rewards structure, features, and alternatives in our review of this popular card.

Financial Advisors

Do You Need a Financial Advisor?

When you’re evaluating your finances, you might need an expert to guide you through the process. Here are eight reasons why you should consider hiring a financial advisor.

S&P 500

What Is The S&P 500?

Is the S&P 500 the best gauge of the U.S. stock market? We take a deep dive into how it works and how to invest in it.

Prosper Card Review

Prosper Card Review 2024

The Prosper card only offers basic features, but it doesn’t require a security deposit and is geared toward borrowers with low credit scores. Will this work for you?

How to Pay Back a Reverse Mortgage

How to Pay Back a Reverse Mortgage

Paying back a reverse mortgage can be done by selling the home, using savings, obtaining a new mortgage, or giving the lender a deed in lieu of foreclosure.

credit card schumer box

What is a Schumer Box and How Do You Read It?

A Schumer Box puts the fine print of credit card rates and fees in an easy-to-read table. Learn how it can help consumers be more aware of the cost of credit.

 Common Stock vs. Preferred Stock

Common Stock vs. Preferred Stock: What’s the Difference?

Common stock offers voting rights and exposure to the market. Preferred stock offers a fixed-rate dividend, but more modest capital appreciation. They have different risks, returns, and purposes. What to know before you invest.

tax deductions

What Is the Standard Tax Deduction

Taking the standard deduction is easy when you’re filing your taxes, but is it the right option for your situation? Take a look at how much it is for 2023.

bank account closed

What Happens When the Bank Closes Your Account?

Banks close accounts for inactivity, negative balances, overdrafting, suspicious activity, and account-agreement breaches. Here’s what you can do if it happens to you.

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