Rebecca Lake
Forbes
Shallotte, NC, United States
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Past articles by Rebecca:
Funds Availability And Your Bank Account: What You Need To Know
When money is deposited, the funds availability can vary. Learn whether your deposit is immediately available or if you'll wait two to five business days. → Read More
What Is A Bank And How Does It Work?
Banks and other financial institutions offer products and services to help you manage your money, but do you know how they work? If you have a checking account, savings account, credit card, or loan, banks are integral to your financial life. Banks and the financial services industry are an impor → Read More
CD Early Withdrawal Penalty: What You Should Know
Certificates of deposit (CDs) can be an excellent savings vehicle for anyone who wants stability and guaranteed growth. These low-risk investments offer the protection of the Federal Deposit Insurance Corporation (FDIC) and a higher interest rate than you generally can find with savings or money mar → Read More
CD Early Withdrawal Penalty: What You Should Know
Certificates of deposit (CDs) can be an excellent savings vehicle for anyone who wants stability and guaranteed growth. These low-risk investments offer the protection of the Federal Deposit Insurance Corporation (FDIC) and a higher interest rate than you generally can find with savings or money mar → Read More
Is It Safe To Link Bank Accounts?
Linking your checking and savings accounts can simplify money management. For example, it can make it easier to transfer funds between accounts in an emergency or set up regular deposits to grow your savings over time. While linked bank accounts can offer convenience, there are some potential dow → Read More
How To Switch Banks: A Step-By-Step Guide
You may decide to switch banks if you move, or to take advantage of better interest rates or lower fees. Here's a step-by-step guide to how to switch banks. → Read More
Better Banking Habits To Maximize Your Savings In 2022
As a new year begins, is your bank working as hard as you do? A bank isn't just where your paycheck lands. Learn better banking habits to save more money. → Read More
How To Budget For Inflation And Higher Prices
With inflation increasing, it's smart to look at your household budget. Where can you reduce expenses? Make the right money moves in 2022 as prices rise. → Read More
How To Open A Bank Account
Opening a bank account that's best suited to your financial needs can be tricky. Here's how to find and open the right bank account for you. → Read More
What Does It Mean If Your Debt Is Charged Off As Bad Debt?
When a financial obligation goes unpaid—whether it's a credit card, loan or medical bill—it may eventually be charged off as bad debt. In simple terms, a charge-off on your credit report means that a creditor assumes a debtor has no plans to repay a debt voluntarily. Having a charged-off account → Read More
Can Credit Card Companies Garnish Wages?
If you default on credit card debt, yes, your creditors can garnish your wages. However, to do so, they must obtain a judgment against you from a court. → Read More
How Credit Counseling Can Help You
Consider seeking credit counseling when you need help paying your debts. Credit counselors can assist with setting up a budget, repayment plans and more. → Read More
Your Guide To Credit Counseling Services
Seeking credit counseling? Use this Forbes Advisor guide to consumer credit counseling to learn what services are available from nonprofit credit counselors. → Read More
Pros And Cons Of Debt Management
Is a debt management plan, or DMP, the right answer for paying off unsecured debt? Learn the pros and cons of debt management plans to help you decide. → Read More
What Is A Demand Deposit Account (DDA)?
Demand deposit accounts (DDAs) allow you access to your money without requiring advance notice. Here's what you need to know. → Read More
Fixed Vs. Variable Expenses: What’s The Difference?
Knowing the differences between fixed and variable expenses is key. These expenses can be either recurring or one-offs and they affect your budget differently. → Read More
How To Create An Emergency Fund
Learn how to create an emergency fund. Having readily available emergency savings is a basic budgeting step and helps protect both you and your family. → Read More
5 Ways To Insure Excess Deposits
For excess deposits—that is, money that would not be covered by standard FDIC or NCUA insurance—you have several options to secure additional coverage. → Read More
What Is A High-Yield Savings Account?
A high-yield savings account offers better return than a traditional savings account. Usually found at online banks, is a high-yield savings account right for you? → Read More
Debt Relief: What It Is And When You Should Seek It
Overwhelmed by debt? Debt relief can take different forms, from debt consolidation, to debt management, to debt settlement. Learn the plusses and minuses. → Read More