# easzfin


## Posts

- [How tax-efficient investing could boost your portfolio returns](https://easzfin.com/how-tax-efficient-investing-could-boost-your-portfolio-returns/): Retail investors may already be preparing for the start of the 2026 tax filing season, which the IRS announced this week will begin on Jan. 26. Using tax-efficient investing strategies throughout the year can help minimize an investor’s tax burden and optimize their portfolio’s value for years to come, says Bill Harris, the founder and CEO of Evergreen Wealth, a financial advisory firm focused on maximizing after-tax wealth. More from Your Money: Here’s a look at more stories on how to manage, grow and protect your money for the years ahead. Those include assessing which types of accounts you use […]
- [How to Use Your Tax Return to Buy a Car](https://easzfin.com/how-to-use-your-tax-return-to-buy-a-car/): Tips for using your tax refund to buy a car Average tax refund last year was around $3,000 Upgrading insurance coverage It’s that time of the year. Like millions of other Americans, you’re doing the hard work and preparing to file your taxes. Once your taxes are submitted, the exciting part begins – possibly turning your refund into a new vehicle for the road ahead. The average tax refund last year was sizeable – around $3,000 according to the IRS. Whether your tax refund turns out to be more or less than you hoped, there are smart ways to put the […]
- [Secure 2.0 rule allows early 401(k) withdrawals for LTC insurance](https://easzfin.com/secure-2-0-rule-allows-early-401k-withdrawals-for-ltc-insurance/): Halfpoint Images | Moment | Getty Images Workers may have a new way to help prepare for a largely unpredictable health-related expense during their golden years. Under a new rule now in effect, 401(k) plans are permitted to let participants take limited penalty-free withdrawals to pay for long-term care insurance, which covers the cost of assistance with daily living activities such as bathing, dressing and eating — and often is needed later in life. The new rule was included in 2022 retirement legislation known as Secure Act 2.0, and had a delayed effective date of three years, or Dec. 29. […]
- [Most homebuyers don't shop around for mortgages. Why that's a bad idea](https://easzfin.com/most-homebuyers-dont-shop-around-for-mortgages-why-thats-a-bad-idea/): Fstop123 | E+ | Getty Images For homebuyers, getting one preapproval for a mortgage that has palatable terms may seem good enough. More than two-thirds — 69% — of homebuyers submit only one mortgage application, according to a new report from Zillow. However, you shouldn’t stop there, experts say. With the average interest rate on a traditional 30-year mortgage sitting above 6.2% as of Friday, even a half-point difference in the rate can be a game-changer for some homebuyers, who already face elevated prices on housing and other necessary expenditures like groceries, health insurance and utilities. “In my experience, shopping […]
- [The Long-Term Benefits of Repaying Small Business Loans on Time](https://easzfin.com/the-long-term-benefits-of-repaying-small-business-loans-on-time/): Understanding Small Business Loans Small business loans serve as a vital financial instrument for entrepreneurs aiming to establish, expand, or stabilize their enterprises. These loans are typically created with tailored terms to meet the diverse needs of small businesses. Understanding the various types of small business loans and their purposes is essential for making informed financial decisions. There are several types of small business loans available, each serving different financing needs. Traditional term loans provide a lump sum amount that businesses can use for a wide range of purposes, including equipment purchases, leasehold improvements, or working capital. Alternatively, lines of […]
- [Financial fraud costs many older adults $100,000 or more: FTC](https://easzfin.com/financial-fraud-costs-many-older-adults-100000-or-more-ftc/): South_agency | E+ | Getty Images For older Americans, financial fraud can be a very costly mishap. Last year, scams reported to the Federal Trade Commission by adults age 60 and older reached $2.4 billion, up 26.3% from $1.9 billion in 2023 and 300% from $600 million in 2020, according to the FTC’s annual report to Congress, released earlier this month. The increase is driven by scams that involve individual losses of $100,000 or more, accounting for $1.6 billion, or 68%, of the total amount. However, because most fraud goes unreported, the agency estimates the real losses experienced by older […]
- [With New Settlement, SAVE Plan May Be Ending Soon](https://easzfin.com/with-new-settlement-save-plan-may-be-ending-soon/): The SAVE plan was created in 2023 as the most affordable student loan repayment option, but a legal challenge led by the state of Missouri has resulted in the plan being temporarily blocked. On December 9, 2025, the Department of Education announced that it agreed to a settlement to end the case, and filed a motion asking for the case to be resolved with an order that the SAVE rules must largely be vacated. This article covers what student loan borrowers – especially the 7 million people enrolled in the SAVE plan – need to know about likely changes coming […]
- [Credit score average masks signs of financial distress: VantageScore](https://easzfin.com/credit-score-average-masks-signs-of-financial-distress-vantagescore/): Even as some households take on more debt, consumer credit scores broadly remain strong. Experts say that may be masking signs of trouble: The so-called “K-shaped” economic divide has lower-income borrowers struggling to repay loans, as higher-income households have strengthened their finances.  That divergence in consumers’ credit risk will likely continue into 2026, despite having a “pretty healthy” national average credit score, said Silvio Tavares, CEO of VantageScore, developer of one of the credit scores lenders use. It’s an independently managed joint venture of the three major credit bureaus — Equifax, Experian, and TransUnion.  The average VantageScore credit score was 701 […]
- [The required minimum distribution deadline is coming. What to know](https://easzfin.com/the-required-minimum-distribution-deadline-is-coming-what-to-know/): As year-end approaches, many investors still need to take required withdrawals from retirement accounts — or face an IRS penalty of up to 25%. This includes retirees and certain heirs with an inherited individual retirement account. At age 73, most retirees must start required minimum distributions, or RMDs, from pretax accounts. Your first RMD is due by April 1 of the year after turning 73, and the deadline for future withdrawals is Dec. 31. For heirs facing RMDs, the annual deadline is also Dec. 31. With the annual deadline nearing, many investors haven’t yet made their required withdrawal, according to […]
- [Student loan borrower options as SAVE forbearance ends](https://easzfin.com/student-loan-borrower-options-as-save-forbearance-ends/): Halfpoint Images | Moment | Getty Images Millions of student loan borrowers whose payments are paused may soon have to start paying, under a Trump administration proposed settlement announced this week. Experts say the timeline could be short, and borrowers need to start planning. The agreement centers on borrowers who signed up for the Biden administration-era Saving on a Valuable Education plan and remain in the SAVE forbearance. As of July, according to the U.S. Department of Education, that group included more than 7.6 million borrowers. Trump officials have not yet specified when SAVE borrowers will be forced to leave […]
- [How December's Fed rate cut affects borrowing costs](https://easzfin.com/how-decembers-fed-rate-cut-affects-borrowing-costs/): The Federal Reserve cut its benchmark rate by a quarter point at its last meeting of the year. December’s move marks the third time in a row the central bank has lowered interest rates, shaving three-quarters of a point off the federal funds rate since September to a range of 3.5% to 3.75%. The cuts could have an effect on many of the borrowing and savings rates consumers see every day. Although the federal funds rate, set by the Federal Open Market Committee, is the interest rate at which banks borrow and lend to one another overnight and not the rate that […]
- [How Social Security beneficiaries' tax bills may change this year](https://easzfin.com/how-social-security-beneficiaries-tax-bills-may-change-this-year/): Alessandro Biascioli | Istock | Getty Images Social Security beneficiaries will soon receive statements showing how much of their total benefits received in 2025 may be subject to federal taxes. Changes enacted by Congress this year mean there’s more reason to pay attention to those tax documents. The forms, known as the SSA-1099 or SSA-1042S, will be available online beginning Dec. 25, according to a Social Security Administration spokesperson. The agency will start mailing the documents on Dec. 26, with all 1099s slated to be received by the end of January. The 1099 forms show the total amount of benefits […]
- [Dial Before You File: Protect Your Tax Refund If You Have Student Loans](https://easzfin.com/dial-before-you-file-protect-your-tax-refund-if-you-have-student-loans/): Did you know that the government can take your tax refund to collect your defaulted federal student loans? The government has begun seizing tax refunds from borrowers in default for the first time since 2020. It can even take refunds that include thousands of dollars of Child Tax Credits and Earned Income Tax Credits — financial lifelines for working families. Read on to find out how to check if you’re on the list for tax refund seizure, how to protect your tax refund, and how to get your federal student loans out of default.  Generally, federal student loans default after 9 months of […]
- [Uncertainty persists as enrollment deadline looms](https://easzfin.com/uncertainty-persists-as-enrollment-deadline-looms/): The U.S. Capitol in Washington, Dec. 8, 2025. Speaker Mike Johnson is pushing to unveil a Republican health-care bill in the coming days for a vote by the end of the month, but the move is unlikely to resolve a congressional deadlock over expiring Obamacare subsidies. Graeme Sloan/Bloomberg via Getty Images Congress is still deadlocked on a plan to extend Affordable Care Act enhanced premium subsidies, with less than one week to go before a key enrollment deadline — a limbo that experts say leaves many households with a difficult financial choice. Roughly 22 million Americans receive the enhanced subsidies, […]
- [Planning and Funding Long-Term Care: A Practical Roadmap for Seniors](https://easzfin.com/planning-and-funding-long-term-care-a-practical-roadmap-for-seniors/): By Dany Blog December 9, 2025 Planning for long-term care isn’t just about preparing for the future, it’s about protecting independence, dignity, and financial stability. Whether you’re a senior considering assisted living or an adult child helping a parent navigate next steps, the earlier you start planning, the more control you’ll have over both care options and costs. Quick Overview Long-term care planning helps protect independence, preserve assets, and reduce family stress later. Costs for assisted living and nursing homes are significant and rising; early preparation is key. Combining insurance, savings, and supplemental funding sources creates flexibility and stability. Bridge […]
- [Most companies now allow Roth savings](https://easzfin.com/most-companies-now-allow-roth-savings/): Cravetiger | Moment | Getty Images Nearly all 401(k) plans now allow for workers to save money in Roth accounts, after legislative changes led adoption to jump significantly in recent years. A Roth account is funded with after-tax money. Savers pay income tax up front on their 401(k) contributions but don’t pay tax when they withdraw money later, with some exceptions. Financial planners generally recommend Roth savings for workers who are likely in a lower tax bracket now than when they retire, like young people who are early in their careers. A Roth 401(k) can be particularly beneficial, because it […]
- [Student loan borrowers say bills make it harder to cover basic needs: Survey](https://easzfin.com/student-loan-borrowers-say-bills-make-it-harder-to-cover-basic-needs-survey/): Maskot | Maskot | Getty Images More than 4 in 10 – 42% – of federal student loan borrowers say their monthly payments for that debt make it harder to cover basic needs such as food and housing, according to a forthcoming survey. Data for Progress and The Institute for College Access & Success gave CNBC an early look at the survey, set for release Tuesday, which gauges how federal student loan debt has affected borrowers’ finances. More than a third of borrowers surveyed, or 37%, said it’s more challenging to meet health-care expenses because of their education debt, while […]
- [What to do with your 401(k) when you retire](https://easzfin.com/what-to-do-with-your-401k-when-you-retire/): Alistair Berg | Digitalvision | Getty Images When workers retire, a key decision they may face concerns their 401(k) savings — do they leave the money in their employer plan, or roll it over to an individual retirement account? Companies are increasingly adding features to their 401(k) plans that may entice retirees to leave their money there, including more flexibility for retiree withdrawals and annuity options in their lineups. These changes are intended to accommodate better the needs of retired workers, who shift from accumulating assets as an employee to spending them as a retiree. It’s also generally in the […]
- [These big 401(k) changes are coming in 2026 — what it means for you](https://easzfin.com/these-big-401k-changes-are-coming-in-2026-what-it-means-for-you/): Kate_sept2004 | E+ | Getty Images As 2025 winds down, many financial advisors are preparing for 2026, which will bring key changes to saving for retirement in 401(k) plans. Among those shifts are contribution limit updates and a major tax change for certain investors, which could affect long-term planning. “The most impactful change for next year will be to high earners,” said certified financial planner Juan Ros, a partner at Forum Financial Management, based in Scottsdale, Arizona. More from Your Money: Here’s a look at more stories on how to manage, grow and protect your money for the years ahead. […]
- [How to Apply for a Mortgage Loan and Secure the Best Rates in Ohio](https://easzfin.com/how-to-apply-for-a-mortgage-loan-and-secure-the-best-rates-in-ohio/): Understanding Mortgage Loans Mortgage loans are financial instruments specifically designed to enable individuals to purchase real estate, with the property itself serving as collateral. These loans allow borrowers to pay for their homes over an extended period, typically spanning 15 to 30 years. The fundamental nature of mortgage loans facilitates homeownership and supports the broader economy. There are several types of mortgage loans available to potential homeowners, each with unique features suited to different financial needs and risk tolerances. The most common types include fixed-rate and adjustable-rate mortgages (ARMs). A fixed-rate mortgage maintains the same interest rate throughout the life […]
- [How to Secure Personal Loans Online with Fair Credit: A Step-by-Step Guide](https://easzfin.com/how-to-secure-personal-loans-online-with-fair-credit/): Understanding Fair Credit Fair credit refers to a specific range within the broader credit score spectrum that reflects a borrower’s creditworthiness. Generally, credit scores fall into categories that include poor, fair, good, very good, and excellent. A typical fair credit score is classified between 580 and 669 according to the FICO scoring model. Individuals within this range often face certain challenges when applying for personal loans online with fair credit, as lenders view them as higher risk compared to those with good or excellent credit scores. Lenders assess credit history and scores to evaluate the likelihood of timely repayments. Borrowers […]
- [Author tells of discovering $200,000 in debt in her name](https://easzfin.com/author-tells-of-discovering-200000-in-debt-in-her-name/): Kristin Collier Courtesy: Emily Baxter When Kristin Collier applied for a credit card at age 22, she said, she was surprised to learn that her application was denied. That’s when she discovered that there was over $200,000 in debt under her name that she didn’t know anything about — including several student loans and credit card balances. Soon, she learned something else even more troubling: Her mother, who was grappling with a gambling addiction, had taken out nearly all of the loans without her consent. CNBC reviewed legal documents in which Collier’s mother admitted to borrowing the money using her […]
- [Congress weighs Social Security changes on key terms, ID theft services](https://easzfin.com/congress-weighs-social-security-changes-on-key-terms-id-theft-services/): Richard Stephen | Istock | Getty Images Even before they start receiving Social Security checks, millions of Americans rely on the Social Security Administration for information on when to claim retirement benefits and for help if their Social Security number has been compromised. This week, the House of Representatives passed several bills aimed at improving the agency’s services, not only for prospective retirees, but also for identity theft victims — and children whose cards are lost or stolen. More than 300 million Americans have Social Security numbers. Now it is up to the Senate to consider those proposed changes. Here’s […]
- [Unemployment claims after a layoff](https://easzfin.com/unemployment-claims-after-a-layoff/): Thana Prasongsin | Moment | Getty Images This year has been the worst for layoffs since the start of the pandemic, a new report shows — and those newly unemployed workers are entering a tough job market. While a job loss can leave workers scrambling to keep up with bills like their mortgage or children’s college tuition, there is one thing it’s important to do before you reassess your expenses or talk to lenders, experts say: apply for unemployment benefits. It can take weeks for the benefits to reach you, and minimizing that wait can help you shore up your […]
- [Best Auto Loan Companies in the United States 2025-26](https://easzfin.com/best-auto-loan-companies-in-the-united-states/): Best Auto Loan Companies in the United States Buying a car is a big financial commitment. For many Americans, that means taking out an auto loan — and the choice of lender can make a huge difference in monthly payments, total cost, and convenience. But with banks, credit unions, online lenders, and dealer‑based financing all vying for your business, how do you pick the best one for you? This article walks you through what to look for when evaluating auto loan providers — covering interest rates, credit‑score requirements, flexibility, loan types, and more. Then we highlight several lenders that stand […]
- [Politics is now the No. 1 money worry, financial planners say](https://easzfin.com/politics-is-now-the-no-1-money-worry-financial-planners-say/): Sdi Productions | Istock | Getty Images On the heels of the longest-ever federal government shutdown, shifting tariff policies and heightened stock market volatility, many Americans are worried about what political uncertainty may cost them. Heading into 2026, the political environment has become the top concern clients are raising with their advisor, according to a new report by the CFP Board, the credentialing organization behind the certified financial planner designation for financial advisors. Roughly half of CFPs surveyed said politics dominates financial planning conversations, even over money matters like inflation and market fluctuations. The CFP Board in November polled 322 […]
- [Trump's latest student loan forgiveness push: Here's who qualifies](https://easzfin.com/trumps-latest-student-loan-forgiveness-push-heres-who-qualifies/): The Good Brigade | Digitalvision | Getty Images In recent weeks, some federal student loan borrowers have received welcome news: The U.S. Department of Education will soon cancel their remaining debt. “You are now eligible to have some or all of your federal student loan(s) discharged because you have reached the necessary number of payments under your Income-Based Repayment (IBR) Plan,” reads an email sent to one borrower. The notices stand out, consumer advocates say, because student loan forgiveness has become rare under the Trump administration. More from Your Money: Here’s a look at more stories on how to manage, […]
- [How expiring ACA health insurance subsidies may affect Roth conversions](https://easzfin.com/how-expiring-aca-health-insurance-subsidies-may-affect-roth-conversions/): Alvaro Gonzalez | Moment | Getty Images More from Financial Advisor Playbook: Here’s a look at other stories affecting the financial advisor business. Here are some key things to know about ACA health insurance subsidies — and how changes could impact future Roth conversions. How the ACA health insurance subsidies work Enacted via the Affordable Care Act, the premium tax credit was designed to make marketplace health insurance more affordable for Americans with incomes between 100% and 400% of the federal poverty level. In 2021, Congress expanded eligibility above 400% of the federal poverty level, a benefit that was extended […]
- [What student loan borrowers can and can't do](https://easzfin.com/what-student-loan-borrowers-can-and-cant-do/): The Dome of the U.S. Capitol Building is visible in reflection on October 14, 2025 in Washington, DC. Andrew Harnik | Getty Images News | Getty Images As the government shutdown stretches on, it’s not easy for borrowers to gauge what’s happening with their student loan debt. The U.S. Department of Education has been sending out forgiveness notices to some borrowers, for example, but a lawsuit related to repayment plans and debt cancellation is on hold during the stalemate in Washington. One thing that’s not on pause: student loan payments. During the government shutdown, borrowers still need to pay their […]
- [Congress passes bill to fix IRS 'math error' notices](https://easzfin.com/congress-passes-bill-to-fix-irs-math-error-notices/): Fcafotodigital | E+ | Getty Images The Senate this week unanimously passed a bill to fix IRS notices for filers who make simple mistakes on their tax returns. The legislation, known as the Internal Revenue Service Math and Taxpayer Help Act, or IRS MATH Act, cleared the House earlier this year. It is now headed to President Donald Trump’s desk for signature. Currently, the IRS sends filers so-called math error notices when it finds basic math or clerical mistakes on tax returns. The notices cover the agency’s proposed changes and additional taxes owed. During tax year 2023, the IRS sent […]
- [Inherited IRAs have a key withdrawal change for 2025. What to know](https://easzfin.com/inherited-iras-have-a-key-withdrawal-change-for-2025-what-to-know/): If you inherited an individual retirement account, there is a key change for 2025 that — without action on your part before year-end — could trigger an IRS penalty of up to 25%. Starting in 2025, certain non-spouse heirs, including adult children, must start taking required minimum distributions, or RMDs, while emptying their inherited IRA over 10 years, according to IRS regulations released in 2024.    The change comes as investors prepare for the “great wealth transfer,” with more than $100 trillion expected to flow to heirs through 2048, according to a December report from Cerulli Associates. Much of that […]
- [How to create a plan](https://easzfin.com/how-to-create-a-plan/): Even as a record number of Americans are reaching retirement age, many adults have not considered the impact that inflation and Social Security benefits will have on their financial future.  A new global survey by Prudential found 89% of wealthy U.S. adults polled said they are confident they’d be able to cover essential costs in retirement. Yet the rising cost of housing, groceries and health care can eat into savings — and just 55% of U.S. respondents said they’ve factored inflation into their retirement planning. It’s a “confidence paradox,” said Caroline Feeney, global head of retirement and insurance for Prudential: […]
- [Benefits of investing your health savings account](https://easzfin.com/benefits-of-investing-your-health-savings-account/): Peter Cade | Photodisc | Getty Images As open enrollment arrives, millions of Americans face key decisions, such as picking health insurance. If the plan comes with access to health savings account, or HSA, contributions, you could use the funds for long-term investments, experts say.     While most workers spend HSA money on yearly out-of-pocket health expenses, a small percentage invests the balance, which can grow tax-free for future medical costs.       “The plan is to go into retirement with a six-figure HSA,” said certified financial planner Dan Galli, owner of Daniel J. Galli & Associates in Norwell, Massachusetts. When coupled with […]
- [Social Security payroll tax cap rises to $184,500 in 2026](https://easzfin.com/social-security-payroll-tax-cap-rises-to-184500-in-2026/): Next year, millions of workers will be subject to a new maximum earnings threshold for Social Security payroll taxes. The Social Security maximum taxable earnings will be $184,500 in 2026, up from $176,100 in 2025. That number, also called the wage base, represents the limit on earnings subject to the Social Security payroll tax and is adjusted each year. The Social Security Administration detailed the change on Friday as part of its announcement about the 2.8% cost-of-living adjustment in 2026 for Social Security and Supplemental Security Income benefit payments. The news, originally slated for Oct. 15, was delayed due to […]
- [Why travel insurance may not protect you in the government shutdown](https://easzfin.com/why-travel-insurance-may-not-protect-you-in-the-government-shutdown/): Andrew Bret Wallis | DigitalVision | Getty Images More consumers are buying travel insurance during the federal government shutdown — but these insurance policies may not offer the catch-all protection that buyers expect. Much depends on the fine print, experts said. Squaremouth, an online platform for comparing travel insurance policies, has seen the volume of insurance quotes increase 8.5% year-over-year between Oct. 1 and 27. Sales have risen by 7.9% over the same period. Buyers seem to be hedging against the financial risk of the government shutdown upending their travel plans, experts said. Air traffic controllers and TSA agents are […]
- [4 steps to protect your finances](https://easzfin.com/4-steps-to-protect-your-finances/): A UPS truck at the Palace Imports warehouse in Linden, New Jersey, US, on Wednesday, Aug. 27, 2025. Michael Nagle | Bloomberg | Getty Images After a wave of big companies announcing steep job cuts, many laid-off workers may face a financially difficult and uncertain period ahead. Amazon said on Tuesday that it would eliminate around 14,000 corporate positions, and the United Parcel Service, or UPS, said it had reduced its operational workforce by 34,000 jobs this year. On Wednesday, General Motors laid off roughly 1,700 workers, and Paramount terminated 1,000 people. The Trump administration has also threatened to fire thousands […]
- [Planning and Funding Long-Term Care:A Practical Roadmap for Seniors](https://easzfin.com/planning-and-funding-long-term-carea-practical-roadmap-for-seniors/): Planning for long-term care isn’t just about preparing for the future, it’s about protecting independence, dignity, and financial stability. Whether you’re a senior considering assisted living or an adult child helping a parent navigate next steps, the earlier you start planning, the more control you’ll have over both care options and costs. Quick Overview 
 Long-term care planning helps protect independence, preserve assets, and reduce family stress later. 
 
 
 
 Costs for assisted living and nursing homes are significant and rising; early preparation is key. 
 
 
 
 Combining insurance, savings, and supplemental funding sources creates flexibility […]
- [How to pick a plan as health insurance premiums rise](https://easzfin.com/how-to-pick-a-plan-as-health-insurance-premiums-rise/): A poster reads “Affordable Care Act Premiums Will Rise More Than 75%” as Senate Minority Leader Chuck Schumer (D-NY) (2nd-L), accompanied by Sen. Jeanne Shaheen (D-NH) (L), speaks at a news conference to call on Republicans to pass Affordable Care Act tax breaks on Capitol Hill on Sept. 16, 2025 in Washington, DC. Andrew Harnik | Getty Images Open enrollment is underway for many employees, Medicare recipients, and those who purchase health insurance on their own through Affordable Care Act plans — and many of those Americans will see significant price hikes.  Health insurance premiums for plans bought over the […]
- [Pros and Cons of Getting a Second Mortgage to Pay for Your Kids’ College](https://easzfin.com/pros-and-cons-of-getting-a-second-mortgage-to-pay-for-your-kids-college/): Introduction Do you have a child about to graduate from High school who is thinking of going to college?  If you are concerned about how to pay for college without getting into student loans, you are not alone.  But before you consider using the equity of your home for a second mortgage, consider some of the good, the bad, and the ugly. A second mortgage is a loan taken against the equity of a home, which allows homeowners to borrow additional funds while still repaying the primary mortgage. This can be a financial tool for families that seek ways to […]
- [Federal workers at risk of more missed paychecks as shutdown continues](https://easzfin.com/federal-workers-at-risk-of-more-missed-paychecks-as-shutdown-continues/): A visitor jogs past the Washington Monument during sunrise on November 5, 2025 in Washington, D.C. The record for longest shutdown in the U.S. Government was broken Wednesday as it entered its 36th day. Tom Brenner | Getty Images News | Getty Images The ongoing federal government shutdown is now the longest in U.S. history. As the standoff goes on, hundreds of thousands of federal employees who rely on the government for paychecks continue to see their incomes dry up. At least 670,000 federal employees have been furloughed and approximately 730,000 individuals are still working without pay, according to the […]
- [Do SBA Loans Require A Personal Guarantee in United States](https://easzfin.com/do-sba-loans-require-a-personal-guarantee-in-united-states/): Introduction to SBA Loans The Small Business Administration (SBA) loans are designed to support entrepreneurs and small business owners in the United States. The overarching purpose of these loans is to foster the growth of small businesses by providing them with access to the necessary financial resources. This enables businesses to start, sustain, or expand their operations, ultimately contributing to economic development and job creation within their communities. There are several types of SBA loans available, including the popular 7(a) loan, CDC/504 loans, and microloans. The 7(a) loan program is one of the most versatile options, offering funding for various […]
- [Is Renovation Worth It? A Cost–Benefit Analysis for Homeowners](https://easzfin.com/is-renovation-worth-it-a-cost-benefit-analysis-for-homeowners/): For many homeowners, the idea of renovation represents both an exciting opportunity and a major financial responsibility. Whether it’s a kitchen remodel, a bathroom upgrade, a living room makeover, or a full-scale transformation of the home’s exterior, renovation is often viewed as a strategic investment that can elevate both comfort and long-term property value. But with rising construction costs, fluctuating interest rates, and unpredictable economic trends, homeowners are increasingly asking one important question: Is renovation really worth the financial commitment? The answer depends on various factors—your budget, the condition of your home, the real estate market, and the financing method […]
- [How to maximize Trump's bigger SALT deduction limit for 2025](https://easzfin.com/how-to-maximize-trumps-bigger-salt-deduction-limit-for-2025/): Greg Hinsdale | The Image Bank | Getty Images If you live in a high-tax state, you could see some relief from income and property levies for 2025 — thanks to a change enacted via President Donald Trump’s “big beautiful bill.” The Republicans’ multitrillion-dollar legislation temporarily raised the limit for the federal deduction for state and local taxes, known as SALT. For 2025, the SALT deduction cap is $40,000, up from $10,000 in 2024, which includes state and local income taxes and property taxes. You can claim the SALT deduction if you itemize tax breaks. While the $40,000 limit increases […]
- [Student loan forgiveness notices go out — next steps for borrowers](https://easzfin.com/student-loan-forgiveness-notices-go-out-next-steps-for-borrowers/): Tim Robberts | Digitalvision | Getty Images Student loan forgiveness is a major relief for borrowers — many of whom have been in repayment for decades. But after receiving debt cancellation, there are key steps you should take, experts say. The Trump administration agreed last month to resume forgiving people’s education debts under programs that it had partially paused, including the Income Contingent Repayment plan, or ICR, and the Pay as You Earn plan, or PAYE. The concessions resulted from a lawsuit by the American Federation of Teachers against the U.S. Department of Education, which accused the government of blocking […]
- [How credit card travel insurance works](https://easzfin.com/how-credit-card-travel-insurance-works/): As air travel cancellations and delays mount during the government shutdown, affected travelers will want to consider all their avenues for recourse — including the credit card they used to book their flight. U.S. airlines began canceling flights on Friday, in response to an Federal Aviation Administration order reducing flight capacity at 40 airports. The disruption could potentially impact hundreds of thousands of fliers.  “If you are traveling the next couple of weeks, you should expect that there is going to be some chaos and there are likely to be disruptions,” said Hayley Berg, the lead economist at travel site […]
- [How to talk about money as a couple: 'Money Together' authors](https://easzfin.com/how-to-talk-about-money-as-a-couple-money-together-authors/): Douglas and Heather Boneparth Photo: Sylvie Rosokoff Love is complicated. Add in money and it gets even more so. But in their new book “Money Together,” Heather and Douglas Boneparth argue that having honest and proactive discussions about finances can make partners closer — and eventually, wealthier. They begin their book, published last month, with an anecdote of a couple who had the difficult money talk a little late — on their honeymoon, over a cold seafood salad in Positano, Italy. (The Boneparths were also on vacation, and eavesdropping.) It became clear that the arguing pair had just discovered the […]
- [Overlooking beneficiary designations is a big IRA mistake: attorney](https://easzfin.com/overlooking-beneficiary-designations-is-a-big-ira-mistake-attorney/): mapodile | E+ | Getty Images LAS VEGAS — Millions of households have individual retirement accounts, and simple mistakes can be expensive, experts warn.   One of the most common IRA errors is overlooking beneficiary designations, which dictate who receives the account after you die, according to Brandon Buckingham, vice president for the advanced planning group for Prudential Retirement Strategies. It’s “the biggest mistake people make,” said Buckingham, speaking at the Financial Planning Association’s annual conference on Tuesday. Some investors don’t name a beneficiary or leave an outdated heir. The latter is particularly problematic, since beneficiary designations override what’s outlined in your will, he […]
- [Where SNAP benefits stand amid government shutdown negotiations](https://easzfin.com/where-snap-benefits-stand-amid-government-shutdown-negotiations/): A volunteer displays information on the Supplemental Nutritional Assistance Program (SNAP) at a grocery store in Dorchester, Massachusetts, US, on Monday, Nov. 3, 2025. Mel Musto | Bloomberg | Getty Images As the longest federal shutdown nears an end, millions of Americans may also see an end to the conflict that has put their food benefits for November on the line. The Supplemental Nutrition Assistance Program or SNAP, formerly known as food stamps, helps low-income individuals and families with monthly benefits toward food purchases. The federal government shutdown, which began on Oct. 1, led to delays or interruptions in November […]
- [What to do with your 401(k) after a layoff](https://easzfin.com/what-to-do-with-your-401k-after-a-layoff/): Jackyenjoyphotography | Moment | Getty Images More from Financial Advisor Playbook: Here’s a look at other stories affecting the financial advisor business. For workers who suddenly find themselves without a paycheck, managing a 401(k) left behind may not be top of mind. “Most people are really thinking, ‘How am I going to survive and can I get unemployment?'” said certified financial planner Lazetta Rainey Braxton, founder and managing principal of virtual firm The Real Wealth Coterie. She is a member of CNBC’s Financial Advisor Council. “There are areas of employee benefits they need to consider,” she said, such as health insurance […]
- [Student loan borrowers may qualify for lower bills under IBR change](https://easzfin.com/student-loan-borrowers-may-qualify-for-lower-bills-under-ibr-change/): Man planning home budget and using calculator Rockaa | E+ | Getty Images Many student loan borrowers could soon have access to lower monthly payments, as the U.S. Department of Education finishes implementing changes to one of its repayment plans. Previously, borrowers needed to prove a “partial financial hardship” — or income below a certain level — to get into the Income-Based Repayment plan, or IBR. But President Donald Trump’s “big beautiful bill” waived that requirement, and the change should be widely available in December, according to a recent update on the Education Department’s website. “In the meantime, servicers will […]
- [What is a Credit Builder Loan? A Detailed Guide to Understanding and Using Credit Builder Loans](https://easzfin.com/what-is-a-credit-builder-loan/): What is a Credit Builder Loan? Building a solid credit score is essential in today’s financial world. Whether you’re aiming to purchase a car, apply for a mortgage, or get a credit card, your credit score plays a pivotal role in determining your financial opportunities and interest rates. However, many people face difficulties in building or improving their credit scores due to limited credit history or poor past credit behavior. A credit builder loan could be the solution. This type of loan is specifically designed to help individuals establish or improve their credit score. In this blog post, we will […]
- [How to use your flexible spending account balance before it expires](https://easzfin.com/how-to-use-your-flexible-spending-account-balance-before-it-expires/): Sturti | E+ | Getty Images Some workers with health flexible spending accounts may be on the verge of giving their employers an unintentional gift this holiday season. Each year, the share of employees who miss the typical Dec. 31 deadline to spend their FSA money and end up forfeiting it to their companies is between 40% and 50%, according to ongoing research from the Employee Benefit Research Institute, which began tracking FSA data in 2019. Although some companies give account holders an extension, most — about two-thirds — employ a use-it-or-lose-it rule. “People tell us one of the main […]
- [Make the most of health care expenses before end of year](https://easzfin.com/make-the-most-of-health-care-expenses-before-end-of-year/): Momo Productions | Digitalvision | Getty Images As health-care costs continue to climb, you may want to make sure you’re not leaving valuable tax breaks or pre-tax dollars on the table this year. Rising premiums, steeper deductibles and higher out-of-pocket maximums have put more pressure on household budgets, making year-end planning important, experts say. Among employer-based plans — which cover about 154 million people under age 65 — premiums paid by workers could rise by 6% to 7% on average in 2026, according to consultancy firm Mercer. For plans purchased through the Affordable Care Act marketplace, premiums will more than […]
- [Some face a ‘survivor’s penalty’ after a spouse dies — how to avoid it](https://easzfin.com/some-face-a-survivors-penalty-after-a-spouse-dies-how-to-avoid-it/): D-keine | E+ | Getty Images Losing a spouse can be devastating, and survivors often face a costly surprise — higher future taxes. But couples can plan ahead to reduce the burden, experts say. The issue, known as the “survivor’s penalty,” happens when shifting from married filing jointly to single filer, which can lead to higher tax rates, depending on the couple. Single filers have less generous tax brackets, a smaller standard deduction and lower thresholds for other tax breaks. It’s one of the “most overlooked and financially damaging tax events,” said certified financial planner Gregory Furer, CEO and founder […]
- [Do you have Parent PLUS loans? Act now to lower your payments before options disappear.](https://easzfin.com/do-you-have-parent-plus-loans-act-now-to-lower-your-payments-before-options-disappear/): If you have Parent PLUS loans and want access to more affordable monthly payments, you will need to act soon – likely before April 1, 2026. By taking action now, you can make your Parent PLUS loans eligible for an Income-Driven Repayment (IDR) plan, which sets payments as a portion of your income each year and offers many people lower payments compared to the Standard Repayment plan. But the door is closing: If you don’t act in time, then your Parent PLUS loans will be locked out of IDR plans permanently, which may leave you with unaffordable student loan payments […]
- [Holiday shopping season forecasts show growing K-shaped divide](https://easzfin.com/holiday-shopping-season-forecasts-show-growing-k-shaped-divide/): Americans tend to overspend during the holiday shopping season, and this year will be no different, according to some forecasts. Despite concerns about the economy, President Donald Trump’s latest wave of tariff hikes and persistent inflation, holiday spending between November and December is expected to rise 3.7% to 4.2% and surpass $1 trillion for the first time, according to the National Retail Federation. “American consumers may be cautious in sentiment, yet remain fundamentally strong and continue to drive U.S. economic activity,” Matthew Shay, NRF’s president and CEO, said in a statement. However, other reports show that growing concerns about trade uncertainty and increased […]
- [‘AI bubble’ shouldn’t be main focus of retirement investors](https://easzfin.com/ai-bubble-shouldnt-be-main-focus-of-retirement-investors/): Thasunda Brown Duckett CNBC Fears of an AI stock bubble have many investors watching — and some worrying — about its impact on their retirement accounts.  TIAA CEO Thasunda Brown Duckett, who heads one of the nation’s largest retirement plan providers, says that shouldn’t be retail investors’ greatest concern. When eyeing the AI-driven market gains, “I think the real question is not knowing if it’s going to burst or boom. It’s about making sure you’ll be prepared for retirement,” Brown Duckett said in an interview on the sidelines of TIAA’s FutureWise conference in Washington, DC, earlier this week.   The focus […]
- [Cash can feel safe, 'but it doesn't grow your wealth,' portfolio strategist says](https://easzfin.com/cash-can-feel-safe-but-it-doesnt-grow-your-wealth-portfolio-strategist-says/): Damircudic | E+ | Getty Images Cash may seem like a safe parking space for your money. But holding too much can hurt savers over the long term — especially if it comes at the expense of owning stocks, the growth engine of a portfolio.  “Cash can feel safe, but it doesn’t grow your wealth,” Gargi Chaudhuri, chief investment and portfolio strategist, Americas, at BlackRock, an asset manager, wrote this month in an investment commentary. Why? While cash is insulated from the whipsawing nature of stocks, it’s at risk due to a more insidious threat: inflation. More from Financial Advisor […]
- [Black Friday car deals may be hard to find: analyst](https://easzfin.com/black-friday-car-deals-may-be-hard-to-find-analyst/): Westend61 | Westend61 | Getty Images If you’re in the market for a new car and hoping to score a huge holiday deal, you may want to temper your expectations. While you might be able to find some Black Friday sales and end-of-year specials, they are neither plentiful nor generous this year, said Joseph Yoon, consumer insights analyst for Edmunds, an auto research and car-buying site. Couple that with elevated auto prices and the high cost of financing, and the purchase could be more painful than you anticipated. “I think a lot of buyers may be a little disappointed,” Yoon […]
- [How long are travel trailer loans in California 2025-26](https://easzfin.com/how-long-are-travel-trailer-loans-in-california-2025-26/): How long are travel trailer loans in California 2025-26 When considering financing for a travel trailer in California, one of the most important factors to understand is the loan term. Travel trailer loans typically range from 5 to 20 years, depending on several key factors like the trailer’s price, whether it’s new or used, and the borrower’s financial profile. Lenders may offer longer terms for higher-priced trailers or RVs, while shorter terms are often associated with more affordable models. Understanding how loan duration works can help buyers make an informed decision, balancing monthly payments with the total cost of the […]
- [Student loans and year-end tax planning — what borrowers need to know](https://easzfin.com/student-loans-and-year-end-tax-planning-what-borrowers-need-to-know/): Alistair Berg | Digitalvision | Getty Images Recent legislation and policy changes under the Trump administration have upended federal student loans. For some borrowers, the shifts may affect their tax situation — how much they owe the IRS, or whether they actually get an expected tax refund. More than 40 million Americans hold student loans, and the outstanding debt exceeds $1.6 trillion. Taxability of student loan forgiveness is changing. A law that shielded student loan forgiveness from taxation at the federal level — a provision in the American Rescue Plan Act of 2021 — expires at the end of 2025. President Donald Trump’s “big beautiful bill” did not […]
- [How Trump's 'big beautiful bill' impacts your Giving Tuesday tax break](https://easzfin.com/how-trumps-big-beautiful-bill-impacts-your-giving-tuesday-tax-break/): Yellow Dog Productions | The Image Bank | Getty Images If you plan to donate money on Giving Tuesday, you could score a tax break. But recent changes enacted via President Donald Trump’s “big beautiful bill” could affect your savings, financial experts say.    Some 36.1 million U.S. adults participated in Giving Tuesday for 2024, with donations totaling $3.6 billion, up from $3.1 billion in 2023, according to estimates from GivingTuesday Data Commons. Despite economic uncertainty in 2025, high assets in donor-advised funds could continue to bolster philanthropy in the coming years, according to an analysis from consulting firm RSM. These […]
- [Federal Reserve Board - Federal Reserve Board finalizes changes to its supervisory rating framework for large bank holding companies](https://easzfin.com/federal-reserve-board-federal-reserve-board-finalizes-changes-to-its-supervisory-rating-framework-for-large-bank-holding-companies/): 
 
 
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 November 05, 2025 Federal Reserve Board finalizes changes to its supervisory rating framework for large bank holding companies For release at 5:00 p.m. EST 
 
 The Federal Reserve Board on Wednesday finalized changes to its supervisory rating framework for large bank holding companies. The finalized framework is substantially similar to the proposal issued in July. The revisions contained in the finalized framework more accurately reflect the strength of individual banks and better align the […]
- [Federal Reserve Board - Federal Reserve Board issues enforcement actions with Belt Valley Bank and The Halstead Bank](https://easzfin.com/federal-reserve-board-federal-reserve-board-issues-enforcement-actions-with-belt-valley-bank-and-the-halstead-bank/): 
 
 
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 November 06, 2025 Federal Reserve Board issues enforcement actions with Belt Valley Bank and The Halstead Bank For release at 11:00 a.m. EST 
 
 The Federal Reserve Board on Thursday announced the execution of the enforcement actions listed below: Belt Valley Bank, Belt, Montana
 Flood insurance violations, civil money penalty, dated September 12, 2025 The Halstead Bank, Halstead, Kansas
 Flood insurance violations, civil money penalty, dated September 12, 2025 Additional enforcement actions can be […]
- [Federal Reserve Board - Federal Reserve Board announces approval of application by ID Bank CJSC](https://easzfin.com/federal-reserve-board-federal-reserve-board-announces-approval-of-application-by-id-bank-cjsc/): 
 
 
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 November 12, 2025 Federal Reserve Board announces approval of application by ID Bank CJSC For release at 5:00 p.m. EST 
 
 The Federal Reserve Board on Wednesday announced its approval of the application by ID Bank CJSC, of Yerevan, Armenia, to establish a representative office in Glendale, California. For media inquiries, please email [email protected] or call 202-452-2955. Last Update:
 November 12, 2025
- [Federal Reserve Board - Federal Reserve Board issues enforcement action with former employee of Commerce Bank and announces termination of enforcement actions with Société Générale S.A. and Industrial and Commercial Bank of China Ltd.](https://easzfin.com/federal-reserve-board-federal-reserve-board-issues-enforcement-action-with-former-employee-of-commerce-bank-and-announces-termination-of-enforcement-actions-with-societe-generale-s-a-and-industrial/): 
 
 
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 November 13, 2025 Federal Reserve Board issues enforcement action with former employee of Commerce Bank and announces termination of enforcement actions with Société Générale S.A. and Industrial and Commercial Bank of China Ltd. For release at 11:00 a.m. EST 
 
 The Federal Reserve Board on Thursday announced the execution of the following enforcement action listed below: Consent Prohibition Order against Nicholas Sheeley
 Former employee of Commerce Bank, Kansas City, Missouri
 Misappropriation of customer funds […]
- [Federal Reserve Board - Federal Reserve Board releases information regarding enhancements to bank supervision](https://easzfin.com/federal-reserve-board-federal-reserve-board-releases-information-regarding-enhancements-to-bank-supervision/): 
 
 
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 November 18, 2025 Federal Reserve Board releases information regarding enhancements to bank supervision For release at 9:00 a.m. EST 
 
 The Federal Reserve Board on Tuesday released information regarding enhancements to bank supervision. The new supervisory operating principles were provided to all Federal Reserve supervisory leadership and staff and are intended to focus Federal Reserve examiners on material financial risks threatening the safety and soundness of banks and on taking timely, proportionate action to […]
- [Federal Reserve Board - Minutes of the Federal Open Market Committee, October 28-29, 2025](https://easzfin.com/federal-reserve-board-minutes-of-the-federal-open-market-committee-october-28-29-2025/): 
 
 
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 November 19, 2025 Minutes of the Federal Open Market Committee, October 28-29, 2025 For release at 2:00 p.m. EST 
 
 The Federal Reserve on Wednesday released the minutes of the Federal Open Market Committee meeting that was held on October 28–29, 2025. The minutes for each regularly scheduled meeting of the Committee are generally published three weeks after the day of the policy decision. The descriptions of economic and financial conditions contained in these […]
- [A Step-by-Step Guide to Choosing the Best Student Loan in the United States](https://easzfin.com/choosing-the-best-student-loan-in-the-united-states/): A Step-by-Step Guide to Choosing the Best student loan education loan in the United States Student loans are financial instruments designed to assist students in covering the costs of their education. They provide the necessary funds for tuition, fees, living expenses, and other educational-related costs. Understanding student loans is crucial for prospective borrowers as it empowers them to make informed decisions regarding their education financing. Primarily, there are two types of student loans: federal loans and private loans. Federal loans are funded by the government and typically offer lower interest rates and more flexible repayment options. In contrast, private loans […]
- [Federal Reserve Board - Federal Reserve Board announces it will extend until February 21, 2026, the comment period on proposal to improve stress test model and scenario transparency and accountability](https://easzfin.com/federal-reserve-board-federal-reserve-board-announces-it-will-extend-until-february-21-2026-the-comment-period-on-proposal-to-improve-stress-test-model-and-scenario-transparency-and-accountability/): 
 
 
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 November 21, 2025 Federal Reserve Board announces it will extend until February 21, 2026, the comment period on proposal to improve stress test model and scenario transparency and accountability For release at 1:30 p.m. EST 
 
 The Federal Reserve Board on Friday announced that it will extend until February 21, 2026, the comment period on its proposal to improve stress test model and scenario transparency and accountability. The Board extended the comment period to […]
- [Federal Reserve Board - Federal Reserve Board releases results of survey of senior financial officers at banks about their strategies and practices for managing reserve balances](https://easzfin.com/federal-reserve-board-federal-reserve-board-releases-results-of-survey-of-senior-financial-officers-at-banks-about-their-strategies-and-practices-for-managing-reserve-balances/): 
 
 
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 November 21, 2025 Federal Reserve Board releases results of survey of senior financial officers at banks about their strategies and practices for managing reserve balances For release at 2:00 p.m. EST 
 
 The Federal Reserve Board on Friday released results of a survey of senior financial officers at banks about their strategies and practices for managing reserve balances. The Senior Financial Officer Survey is used by the Board to obtain information about banks’ reserve […]
- [Federal Reserve Board - Federal Reserve announces College Fed Challenge winners](https://easzfin.com/federal-reserve-board-federal-reserve-announces-college-fed-challenge-winners/): 
 
 
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 November 21, 2025 Federal Reserve announces College Fed Challenge winners For release at 4:00 p.m. EST 
 
 
 
 Pace University won the 22nd Annual National College Fed Challenge. Pace University won the 22nd annual national College Fed Challenge on Friday, a team competition that encourages undergraduate students to learn about the U.S. economy, monetary policymaking, and the role of the Federal Reserve System. Teams analyze economic and financial conditions and formulate a monetary […]
- [Federal Reserve Board - Federal Reserve Board issues enforcement action with former employee of Orrstown Bank](https://easzfin.com/federal-reserve-board-federal-reserve-board-issues-enforcement-action-with-former-employee-of-orrstown-bank/): 
 
 
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 November 25, 2025 Federal Reserve Board issues enforcement action with former employee of Orrstown Bank For release at 11:00 a.m. EST 
 
 The Federal Reserve Board on Tuesday announced the execution of the following enforcement action listed below: Consent prohibition order against Krista Murr
 Former employee of Orrstown Bank, Harrisburg, Pennsylvania
 Misappropriation of customer funds Additional enforcement actions can be searched for here. For media inquiries, please email [email protected] or call 202-452-2955. Last Update:
 […]
- [Federal Reserve Board - Agencies issue proposal to enhance community banks’ ability to serve their communities while maintaining strong capital requirements](https://easzfin.com/federal-reserve-board-agencies-issue-proposal-to-enhance-community-banks-ability-to-serve-their-communities-while-maintaining-strong-capital-requirements/): 
 
 
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 November 25, 2025 Agencies issue proposal to enhance community banks’ ability to serve their communities while maintaining strong capital requirements 
 Federal Deposit Insurance Corporation  
 Federal Reserve Board 
 Office of the Comptroller of the Currency 
   
 For release at 1:30 p.m. EST 
 
 The federal bank regulatory agencies today invited public comment on a proposal that would implement changes to the community bank leverage ratio framework in accordance with statutory authority. […]
- [Federal Reserve Board - Agencies issue final rule to modify certain regulatory capital standards](https://easzfin.com/federal-reserve-board-agencies-issue-final-rule-to-modify-certain-regulatory-capital-standards/): 
 
 
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 November 25, 2025 Agencies issue final rule to modify certain regulatory capital standards 
 Board of Governors of the Federal Reserve System 
 Federal Deposit Insurance Corporation 
 Office of the Comptroller of the Currency 
 For release at 1:30 p.m. EST 
 
 The federal bank regulatory agencies today jointly issued a final rule that modifies certain regulatory capital standards to reduce disincentives a banking organization may have to engage in lower-risk activities, such […]
- [Federal Reserve Board - Minutes of the Board's discount rate meetings on October 6, October 20, and October 29, 2025](https://easzfin.com/federal-reserve-board-minutes-of-the-boards-discount-rate-meetings-on-october-6-october-20-and-october-29-2025/): 
 
 
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 November 25, 2025 Minutes of the Board’s discount rate meetings on October 6, October 20, and October 29, 2025 For release at 2:00 p.m. EST 
 
 The Federal Reserve Board on Tuesday released the minutes from its recent meetings to review and determine the discount rates provided to depository institutions through the discount window. Today’s minutes cover the Board meetings that occurred on October 6, October 20, and October 29, 2025. The Board’s process […]
- [Federal Reserve Board - Federal Reserve Board announces approval of application by Steel Newco, Inc](https://easzfin.com/federal-reserve-board-federal-reserve-board-announces-approval-of-application-by-steel-newco-inc/): 
 
 
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 November 25, 2025 Federal Reserve Board announces approval of application by Steel Newco, Inc For release at 5:15 p.m. EST 
 
 The Federal Reserve Board on Tuesday announced its approval of the application by Steel Newco, Inc., of Peachtree Corners, Georgia, to become a bank holding company by merging with Synovus Financial Corporation, of Columbus, Georgia, and Pinnacle Financial Partners, of Nashville, Tennessee. As a result, Steel Newco will indirectly acquire Synovus Bank, of […]
- [Which company is best for car loan in united status](https://easzfin.com/which-company-is-best-for-car-loan-in-united-status/): Which Company is best for Car loan in united states Car loans are financial agreements that allow individuals to borrow money to purchase a vehicle. Under these agreements, borrowers receive funds from a lender, which they must pay back over a specified term, usually with added interest. The process of obtaining a car loan typically involves a series of steps, starting with application and approval, followed by the allocation of funds for the vehicle purchase. Understanding the intricacies of car loans is crucial for potential borrowers to make informed decisions. One of the primary components to consider when applying for […]
- [Top Small Business Loan Companies in the United States 2025](https://easzfin.com/top-small-business-loan-companies-in-the-united-states/): Introduction to Small Business Loans Small business loans represent a critical financial resource for entrepreneurs and small enterprises seeking to enhance their operations. These loans are designed specifically to support businesses in their growth and development endeavors. The funding acquired through small business loans can be pivotal in meeting various financial needs, including working capital, expansion projects, equipment purchases, and other operational expenses. By securing financial assistance from top small business loan companies, entrepreneurs can effectively navigate the challenges of starting and maintaining a viable business. The importance of small business loans in the United States is underscored by the […]
- [Finding the Lowest Interest Rates on Personal Loans in the United States](https://easzfin.com/finding-the-lowest-interest-rates-on-personal-loans-in-the-united-states/): Finding the Lowest Interest Rates on Personal Loans in the United States Personal loans are unsecured loans that individuals can borrow for various purposes, ranging from consolidating debt to financing major purchases or covering unexpected expenses. One of the defining characteristics of personal loans is their flexibility; borrowers can choose how to use the funds, which distinguishes them from other types of loans such as auto or home loans that are typically tied to specific assets. Introduction to Personal Loans Generally speaking, personal loans are issued by banks, credit unions, and online lenders. The application process often involves providing personal […]
- [New videos to help older people with student loan debt](https://easzfin.com/new-videos-to-help-older-people-with-student-loan-debt/): When people think of a typical person dealing with student loan debt, they may not imagine someone over 60. But unfortunately, the student loan debt crisis impacts millions of Americans of all ages, including older people. In fact, people over 60 are the fastest-growing demographic with student loan debt. Millions of older people are struggling with repayment challenges, and it can be confusing to know where to turn. The AARP Foundation, in partnership with NCLC, has created three new videos to help older borrowers understand their options. These easy-to-understand videos go hand-in-hand with NCLC’s Student Loan Help video series to help […]
- [When a Holiday Loan Makes Sense (and When It Doesn’t)](https://easzfin.com/when-a-holiday-loan-makes-sense-and-when-it-doesnt/): The holidays bring excitement, generosity, and added expenses. Between travel, gifts, and seasonal costs, many people start looking for quick financial relief. A holiday loan may offer short-term support, but it’s important to understand when borrowing helps—and when it creates more challenges. At Wise Loan, we encourage informed, responsible decisions. Here’s how to determine when a holiday loan makes sense—and when it may not. When a Holiday Loan Makes Sense 1. You Have a Clear, Manageable Repayment Plan A holiday loan may be a practical choice if you already have a strategy for paying it back. For example, if you […]
- [How Installment Loans May Help Rebuild Credit Before the New Year](https://easzfin.com/how-installment-loans-may-help-rebuild-credit-before-the-new-year/): The end of the year is a good time to set new financial goals. If your credit score has dropped, now may be the right time to start rebuilding it. One way to do that responsibly is with an installment loan that reports to major credit bureaus.   How Credit Scores Work Your credit score reflects how you manage debt. Key factors include: Payment history: Whether you pay on time Credit utilization: How much of your credit you use Credit mix: The types of credit you have Account age: How long your credit accounts have been open Because installment loans […]
- [Which One Should You Pick?](https://easzfin.com/which-one-should-you-pick/): Published on : November 21, 2025 When you need money quickly, it’s easy to get confused between micro loans and personal loans. Both promise fast financial support, but they serve very different purposes and come with different rules. Understanding how micro loans vs personal loans work can help you avoid costly mistakes and choose the right option for your situation. In this guide, we’ll break down the differences in simple, clear language so you know exactly which loan fits your needs. What Are Micro Loans? Micro loans are small-sized loans designed mainly for individuals or small businesses that need limited […]
- [What Works Better for You](https://easzfin.com/what-works-better-for-you/): Published on : November 21, 2025 When sudden expenses come up, borrowing wisely can help you stay stress-free. Both personal loans and credit card EMIs make it easier to handle big costs without emptying your savings. But picking the right option can be confusing. In this guide, we’ll simply explain the difference between personal loan vs credit card EMI, when to use each, and how to choose what works best for you. What is a Personal Loan EMI? A personal loan EMI is a fixed monthly payment you make to repay a lump-sum loan borrowed from a bank or lender. […]
- [Which company is best for car loan in Ohio? 2025](https://easzfin.com/which-company-is-best-for-car-loan-in-ohio/): Which company is best for car loan in Ohio? 2025 If you’re looking for the best company to handle a car loan in Ohio, you’ll find it’s less about a “one-size-fits-all” winner and more about finding the right lender for you. Below I walk through what matters when choosing a car loan company in Ohio, highlight a strong option (with details), and provide a checklist to guide your decision. What to look for in a good car loan provider – Ohio edition When you’re shopping around for a car loan in Ohio, keep an eye on these key factors: 1. Interest rate / […]
- [Finding the Best Consolidation Loan Company in the United States](https://easzfin.com/best-consolidation-loan-company-in-the-united-states/): Finding the Best Consolidation Loan Company in the United States Understanding Consolidation Loans Consolidation loans are financial products designed to help borrowers manage multiple debts by combining them into a single loan. This process involves taking out a new loan, which is then used to pay off existing debts, such as credit cards, personal loans, or student loans. The primary goal of a consolidation loan is to simplify payments, potentially lower interest rates, and facilitate better budget management. With a single monthly payment, borrowers can regain control over their financial situations, making it easier to avoid missed payments and associated […]
- [4 differences between new and used car financing](https://easzfin.com/4-differences-between-new-and-used-car-financing/): When deciding whether to buy a new or used car, price is usually one factor high up the list. The average transaction price for a new vehicle was $47,465 in 2024, about $20,000 more than for pre-owned, according to Edmunds, with most new and around a third used-car buyers choosing to finance, says Statista. As you think about what fits your situation, it helps to know some key differences between new and used car financing. 1. Loan amount The effect of higher prices for new vehicles means that the average loan amount is greater for a new ride, too. Numbers […]
- [What is equity in a car?](https://easzfin.com/what-is-equity-in-a-car/): In this article: Defining car equity The benefits of positive equity The difference between positive and negative equity When it comes to words associated with car ownership, equity is one of the top terms it’s good to be familiar with. Equity not only gives you an idea of the worth of your vehicle, specifically, it defines the worth and value to you as the car owner. Experian defines equity on a car as the “difference between the resale value of the car and the amount you owe.” Vehicle equity comes into play if you want to trade in your current […]
- [Try these road trips to see some of the best of the US](https://easzfin.com/try-these-road-trips-to-see-some-of-the-best-of-the-us/): • 18 journeys to provide inspiration for your travels• Everything from national parks to beach towns to the big city Have wheels, will travel. But where should you go for that memorable getaway? Here are 18 of the best road trips for 2025, as recommended by AAA, to give you some momentum with your planning. From sandy shores to wide skies and mountains, plus a range of destinations to explore when you pull in, there’s plenty to peruse and set your sights on. 1. Southern New England Fill up on history and scenery with a trip that starts and finishes […]
- [Auto show tempts visitors with hundreds of new car, truck, SUV models](https://easzfin.com/auto-show-tempts-visitors-with-hundreds-of-new-car-truck-suv-models/): In this article: How visiting an auto show can help you shop cars 2025 models and award winners Electric vehicle highlights The benefits of attending an auto show are immediate and hard to miss. Entering a convention center full of hundreds of gleaming, new vehicles, organized by brands across thousands of square feet of space is a car shopper’s dream. From first-time car buyers to those in search of a new car to people just interested in seeing what’s coming down the line, there’s something for everyone to be thrilled about by getting firsthand looks at vehicles as far as […]
- [Middle-income Americans accelerate their car-buying plans, survey finds](https://easzfin.com/middle-income-americans-accelerate-their-car-buying-plans-survey-finds/): Santander second-quarter study gauges middle-income consumers’ financial state 55% are considering buying a vehicle in the year ahead 52% put off a car purchase in the past year Nearly one in five expedited a key purchase amid future price uncertainty Car-buying timelines are speeding up for many Americans, with greater numbers of middle-income consumers considering a purchase in the coming year, research shows. Those thinking about buying within the next 12 months jumped to 55% in the second quarter of 2025, according to the latest Santander Paths to Prosperity study,* up from 47% in the first quarter. Reasons to buy […]
- [SoFi and The Jayson Tatum Foundation Host The First of Many Financial Literacy Workshops For First-Time Homebuyers in St. Louis](https://easzfin.com/sofi-and-the-jayson-tatum-foundation-host-the-first-of-many-financial-literacy-workshops-for-first-time-homebuyers-in-st-louis/): Last year, we set out a mission to democratize access to family-sustaining wealth by establishing the SoFi Generational Wealth Fund. Through these initiatives, we focus on empowering underserved communities to get their money right and achieve their ambitions so we can help close the generational wealth gap in America. So far, SoFi has committed over $2 million to these causes, including supporting underfunded school athletic programs, offering resources to lower the maternal mortality rate and help parents make family financial plans, and funding projects dedicated to improving women’s financial independence. We make the needs of the communities that surround us […]
- [What is a conventional loan in California: A Comprehensive Guide](https://easzfin.com/what-is-a-conventional-loan-in-california/): What is a Conventional Loan? A conventional loan is a type of mortgage that is not insured or guaranteed by any government agency, contrasting with options like FHA (Federal Housing Administration) or VA (Department of Veterans Affairs) loans. These loans are typically offered by private lenders, such as banks, credit unions, and mortgage companies, making them a popular choice for homebuyers. The term “conventional” itself implies that these loans adhere to specific guidelines set forth by government-sponsored entities such as Fannie Mae and Freddie Mac. One of the defining characteristics of a conventional loan is its requirement for a higher […]
- [Santander partners with Amazon Autos to make car buying easier](https://easzfin.com/santander-partners-with-amazon-autos-to-make-car-buying-easier/): • New lending partner will finance used and certified pre-owned vehicles• Shopping experience combines a trusted lender with digital convenience• Consumers can enjoy flexibility and choice• Buyers complete their purchase with their local dealer Santander and Amazon Autos are partnering to give car shoppers greater access to flexible financing options. Through this relationship, consumers can easily finance used and certified pre-owned vehicles from a trusted lender as they shop on the world’s largest online marketplace. Amid a growing trend to shop for cars online, consumers using Amazon Autos can complete a credit application for a vehicle of interest and, if […]
- [How to Get a Startup Business Loan with No Money in Ohio](https://easzfin.com/how-to-get-a-startup-business-loan-with-no-money-in-ohio/): Understanding Business Loans and Their Importance Business loans are essential financial instruments that provide entrepreneurs with the capital necessary to start, operate, or expand their ventures. For many aspiring business owners, especially those seeking a startup business loan with no money, these loans serve as a critical lifeline to fund their initial operations and distinguish their concepts from mere ideas. Various types of loans are accessible, including traditional bank loans, Small Business Administration (SBA) loans, and alternative financing options, each catering to different business needs and conditions. Having sufficient capital is not merely an aspect of launching a business; it […]
- [Minimum Credit Score Needed for Business Loans in India](https://easzfin.com/minimum-credit-score-needed-for-business-loans-in-india/): Published on : November 12, 2025 When you’re running a business, getting access to extra funding can be a game-changer. Before lenders say yes, they look at one number that can make or break your application, your credit score. If you’ve ever wondered what the minimum credit score for business loans is, or how to qualify even with less-than-perfect credit, This guide breaks down everything in clear, easy-to-understand language. Why Your Credit Score Matters for Business Loans Think of your credit score as your financial reputation. It tells lenders how trustworthy you are when it comes to repaying money. The […]
- [Fast Cash Loans Online: Same Day Deposit and Instant Approval in the USA](https://easzfin.com/fast-cash-loans-online-same-day-deposit-and-instant-approval/): Introduction to Fast Cash Loans Fast cash loans are a financial product designed to provide individuals with quick access to funds, typically characterized by expedited approval processes and same-day deposits. Unlike traditional loans that often involve lengthy application procedures, extensive documentation, and rigorous credit checks, fast cash loans online same day deposit instant approval are intended for consumers seeking immediate relief from urgent financial needs. These loans can be particularly advantageous for those facing unexpected expenses, such as medical bills, car repairs, or other emergencies. The appeal of fast cash loans lies in their simplicity and convenience. Borrowers can complete […]
- [Can You File Bankruptcy on Student Loans in Pennsylvania?](https://easzfin.com/can-you-file-bankruptcy-on-student-loans-in-pennsylvania/): Can You File Bankruptcy on Student Loans in Pennsylvania? When faced with overwhelming student loan debt, many individuals explore all available options for relief. One question that often arises is whether it’s possible to discharge student loans through bankruptcy. In Pennsylvania, as in other states, this is not a straightforward process. While bankruptcy can offer relief from many types of debt, student loans are treated differently due to the specific legal standards that must be met. Understanding Bankruptcy and Student Loans Bankruptcy is a legal process designed to provide individuals or businesses a fresh start by eliminating or restructuring debt. […]
- [Downsizing: The Unlikely Doorway to a Fresh Start](https://easzfin.com/downsizing-the-unlikely-doorway-to-a-fresh-start/): There’s something liberating about letting go. When people downsize — their home, their schedule, or even their habits — they often discover that “less” isn’t a loss. It’s an invitation. Downsizing isn’t just about smaller closets or lower rent. It’s about creating room for what’s next — the flexibility to live differently, the clarity to choose intentionally, and the freedom to move toward something new. Image: Freepik Summary Downsizing can spark renewal. It offers financial breathing space, simplifies decision-making, and opens doors to entirely new lifestyles — whether that means travel, entrepreneurship, or investing in education. Why Downsizing Feels Like […]

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- [Graduate Student Loans](https://easzfin.com/student-loan/): Graduate student loans are designed to help students finance advanced education programs such as master’s, doctoral, or professional degrees. These loans can cover tuition fees, books, living expenses, and other education-related costs while you focus on your studies. With flexible repayment options, competitive interest rates, and deferred payment plans available during the study period, graduate student loans provide essential financial support to help students achieve their academic and career goals without immediate financial pressure. What is Student loan? A student loan is a type of loan designed specifically to help students pay for their education-related expenses, including tuition, books, housing, […]
- [Personal Loan Without Credit Check](https://easzfin.com/personal-loan/): A personal loan without credit check offers a convenient financing option for individuals who may have limited credit history or past credit challenges. Unlike traditional loans, these lenders focus more on your current income and ability to repay rather than your credit score. This makes the process faster, simpler, and more accessible, often with minimal paperwork and quick approval times. A no credit check personal loan can be used for various needs such as covering emergency expenses, consolidating debt, or managing unexpected bills, providing financial flexibility when you need it most. What is Personal Loan? A personal loan is a […]
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- [Best Business Loan](https://easzfin.com/best-business-loan/): What is a Business Loan? A business loan is a financial product provided by banks, credit unions, or online lenders that allows business owners to borrow money to cover various business-related expenses. These loans are typically used to finance expansion, inventory, working capital, or equipment purchases. Unlike personal loans, business loans are specifically designed to meet the financial needs of a business, and they come with different terms, interest rates, and repayment schedules. Why Do You Need a Business Loan? Businesses often need loans for several reasons, such as: Types of Business Loans Here are the common types of business […]
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- [Home](https://easzfin.com/): Affordable Loans, Flexible Terms – Get Started Today Fast cash loans Get quick access to the money you need with our Fast Cash Loans. Simple process, minimal paperwork, and funds delivered when you need them most Read more Self Employed Loans Self-employed loans are designed to help individuals who run their own businesses or work as freelancers access financing, even without a traditional paycheck. Read more Student Loan Forgiveness Student loan forgiveness is a program that cancels all or part of a borrower’s federal student loan debt, typically for those who work in public service, education, or nonprofit sectors. Read […]


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