What is a Money Market Account?


Money market accounts (MMAs) are interest-bearing accounts that typically earn higher interest rates than traditional savings accounts.

These accounts require you to maintain a minimum balance, but allow limited access to your funds. So how else do money market accounts differ from other savings accounts?

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Should You Open an HSA?


Let's talk Health Savings Accounts. 

What are they? Well, a HSA (Health Savings Account) is a tax-free medical savings account available to taxpayers in the United States who are enrolled in a high-deductible health plan (HDHP).

An HDHP is a health insurance plan with lower premiums and higher deductibles than a traditional health plan. Being covered by an HDHP is a requirement for having a health savings account.

Increasingly, employers are offering HDHPs as their health insurance benefit of choice. This means lower premiums for you, but higher deductibles. If you have an HDHP, you’re eligible for an HSA, so read on.  

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How To Begin Investing


Ah, investing. The clarion call of a Warren Buffet-esque existence is hard to resist. But before you go make a fortune off graphene stocks, here are some basic do’s and don’ts.

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When Waiting for a Free Balance Transfer May Not Be Worth It


So you’ve found yourself in a little bit of credit card debt. It’s okay—it’s possible you can pay it off without spending a fortune on fees or interest.

An easy way to do this is to transfer your balance from one credit card to another. Essentially, you’d use one credit card to pay off another credit card and end up consolidating your debt. However, you’re usually charged a fee or percentage rate by the receiving card to make the transfer. Some credit card companies run a 0% interest or free balance transfer promotion from time to time. You might be thinking, “Shouldn’t I just wait for one of these promos and continue to pay interest because right now the transfer rate is high?” Well, that might not always be the best situation.

Here’s why.

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Do's and Don'ts for a Successful Mortgage Closing

Whether you are purchasing your home or refinancing it, you'll want to keep the following do’s and don’ts in mind after you’ve applied with USALLIANCE for your closing to go as smoothly as possible.

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How to Plan a Big Trip on a Small Budget

Just because you’re on a limited budget doesn’t mean that travel is out of the question. All it takes is some ingenuity and flexibility to set yourself off on a big adventure. If you’re willing to think outside the box, bump up your savings or income, and do a bit of research, your next trip is within reach!

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3 Books for Millennials Who Want to Get Rich



If you’re a Millennial, chances are that the mention of the words “finance books” makes you glaze over. But it’s also likely that a conversation about getting rich will make you perk up! For a generation that spent early adulthood in the recession, getting on stable financial footing might take a little more guidance and patience than it did for the previous generation.

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How to Save for a Down Payment

The number one thing holding most people back from owning a home is jumping the hurdle of a 20% down payment. For most people, saving such a big chunk of money seems insurmountable. However, with determination, commitment and a little creativity, you can set yourself up to purchase a home within a fairly short period of time.

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Four Must-Have Insurance Policies


Life is full of gains, losses, and unpredictable curveballs that can throw you off your game. No matter how careful or cautious you are, there isn’t a way to avoid illness, accidents or disasters. If something does go wrong, it’s important to be insured.

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What I Learned from Losing My Debit Card

I consider myself a pretty responsible person when it comes to managing my money.

I keep an eye on my credit score, pay my bills on time, and make sure I don’t overspend. I put most of my purchases on my credit card to build my credit, get points, and track my spending. I tend to only use my debit card when I need cash.

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