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Debt Help

Credit Card Refinancing vs. Debt Consolidation: How the Two Overlap

Americans collectively carry $1.14 trillion in credit card debt, and the two most common payoff strategies get used almost interchangeably. Here's what separates a refinance from the broader family of debt consolidation, what each one costs, and what each does to a credit file.

Banking

What Joining a Credit Union Changes About Your Banking

Credit unions offer the same checking accounts, loans, and cards as banks, but they answer to members instead of shareholders. Here's what that ownership structure changes about fees, rates, ATM access, deposit insurance, and who's eligible to join.

Debt Help

Financial Stress: Where to Get Help and What Each Option Involves

Money worry is one of the most common sources of stress in the U.S., and there are concrete places to take it — from crisis lines to nonprofit credit counseling to a plain monthly budget. Here's what each route involves, and what the riskier ones cost.

Investing

'Buy What You Know' Is Not a Research Method

A stock you can name is not a stock you have studied. Nine household brands — from Peloton and Netflix to Bed Bath & Beyond and AMC — show how far familiarity can drift from fundamentals, plus why an employer's shares are the hardest holding to judge.