11 Brilliant Ways to Build Wealth After 50

Pay no interest on balance transfers until 2026

Imagine getting 18 months with an intro 0% APR on balance transfers (APR then 18.49% - 27.49% Variable *Rates as of December 12, 2024). Sounds great — right? You could dramatically change your financial picture with one of the industry-leading low-interest cards - the Discover it^® Chrome.

If you want to kick high-interest credit card debt to the curb, this is one of the leading get-out-of-debt cards available. Transfer your high interest debt to this card with a 0% intro APR on balance transfers for 18 months (APR then 18.49% - 27.49% Variable *Rates as of December 12, 2024). Your payments can go directly to paying down your balance without incurring a pile of additional charges. That could save you hundreds of dollars in interest!

It doesn't just stop with balance transfers, though. Cardholders also get a generous intro APR of 0% for 6 months on purchases (APR then 18.49% - 27.49% Variable *Rates as of December 12, 2024).

The best part? The annual fee is $0 for the Discover it^® Chrome(Rates and fees).

Click here to apply now to the Discover it^® Chrome

Ohio: Say Goodbye to High Auto Insurance Rates if You Live in These Zip Codes

We've got bad news. You could be wasting $600 every year on overpriced, second-rate car insurance. And you should probably cancel your existing insurance right now, because there's something much better.

This new tool from FinanceBuzz can tell you if you're overpaying for your car insurance in just a few clicks. We match drivers with companies that report saving drivers up to $600 or more per year when they switch! Each driver’s savings will vary by driving history and how many discounts you’re eligible for. And once you try it out, you'll never have to look for affordable insurance again because we find you the lowest rates that other companies can't match.

Oh, and it's also free. And come on — you can't tell us you don't want to save up to $600. To find out if you're losing up to $600 or more a year, just answer a few questions, and then make sure to enter your zip, dob, and email, to see if you qualify for a lower rate. It takes less than 2 minutes.

See if you're overpaying

Borrow from your home's equity to help you get through 2024

If you have a credit score of 620 or more, a cash-out refinance from Rocket Mortgage¹ <p>Rocket Mortgage, LLC; NMLS #3030; <a href="https://www.nmlsconsumeraccess.org/">https://www.nmlsconsumeraccess.org/</a>. Equal Housing Lender. Licensed in 50 states.</p> could help you consolidate your debt. You could pull money out of your home without a second mortgage or HELOC … meaning you could tackle your debt head-on while eliminating multiple monthly payments.

For example, let's say you're able to take out $50,000 with a cash-out refinance. You use $20,000 to pay off high-interest debt and $30,000 for home renovations, lowering your total monthly payments and increasing your home's value. That's a win-win.

See how much could be available to you: Visit Rocket Mortgage and click “Take cash out.” Then use the simple calculator to estimate how much cash you could get out of your home.

See how much cash you could get

Get life insurance and protect your loved ones

Life insurance is not something many of us want to think about, but we all want to protect the ones we love.

Imagine if you were suddenly gone tomorrow: Would your family be able to afford your mortgage? Would your children be forced to quit pursuing a degree or your spouse forced to work longer before retirement?

You may sense it's time to shop for life insurance but haven't yet because it's an intimidating and painful process. Financebuzz has a quick and easy solution.

Just fill in a few details about yourself and Financebuzz instantly connects you with ways to get your quote — allowing you to find an affordable life insurance policy without the headache.

The good news? You can get a free quote online after you answer few simple questions.

If you're concerned about being unprotected going into a certain age, take a few minutes to see policy rates today.

Get a free quote instantly

Earn a $400 bonus with this checking account

We hate to tell you this, really. But if you aren’t banking with Truist Bank, you’re missing out on extra cash. Don’t worry though … it’s easy to fix.

New checking clients can earn a $400 bonus when you open a new Truist One Checking account online between October 31, 2024 and April 30, 2025 using promo code AFL2425TR1400. Terms apply.² <p><b><u>Terms and Conditions for the $400 Truist One Checking Affiliate Offer 1: AFL2425TR1400</u></b></p> <p><b><u>Offer Information</u></b>: Open a new Truist One Checking account <b><u>online</u></b> from 10/31/24 through 4/30/25, receive at least 2 qualifying Direct Deposits* totaling $1,000 or more within 120 days of account opening and earn $400.</p> <p> Account must be opened online. Enrollment in the promotion is required at the time of account opening using promo code <b>AFL2425TR1400</b>. Please refer to the Account Opening and Enrollment section below for full instructions.</p> <p>*A qualifying Direct Deposit is an electronic credit (greater than $0.00) of your salary, pension, Social Security or other regular monthly income deposited into your new checking account by your employer or outside agency. Transfers made from one account to another, or deposits made via a branch, ATM, online transfer, mobile device, debit/prepaid card number or the mail are not eligible direct deposits.</p> <p><b><u>Offer Eligibility</u></b>: Clients that are the primary account holder on an existing personal checking account with Truist or who have closed a personal checking account with Truist on or after 10/31/23 are not eligible to participate. Offer valid for Truist One Checking accounts only. Primary account holder must be 18 or older at the time of account opening. Truist employees, Directors, Officers, and Local Boards/Advisors are not eligible. Offer available only to US residents with a valid US taxpayer identification number. The qualifying checking account must be opened online and have a mailing address in: AL, AR, FL, GA, IN, KY, MD, MS, NC, NJ, OH, PA, SC, TN, TX, VA, WV or DC.</p> <p><b><u>Reward Processing</u></b>: The reward will be deposited to the new checking account within 4 weeks after the qualification requirements have been met and verified. The new checking account must be open and in good standing with a balance of at least $0.01 at the time of Truist verification and until the reward is deposited to receive the reward. Truist verification will occur one time after the qualification requirements are initially met. Promotion is only applicable once per checking account and per client. Truist may report the value of any offer reward received to the IRS as required by law. Any applicable taxes are the responsibility of the recipient.</p> <p><b><u>Reward Forfeiture</u></b>: Reward forfeiture will occur if: (1) the checking account is changed to an account type not included in this client offer, (2) the checking account is closed prior to the reward being deposited, or (3) the new checking account has a $0.00 or negative available balance at the time Truist verifies the qualification requirements have been met.</p> <p><b><u>Other Terms</u></b>: Minimum opening deposit is $50. The offer is non-transferable, may not be combined with any other checking offers, is subject to change, and may be discontinued at any time. Truist reserves the right in our sole discretion to prohibit a reward payout to non-eligible individuals for any offers claimed through third-party websites with no affiliation or prior authorization from Truist. All promotional payouts will be processed no later than 1/31/26 at which point this promotion (and any related disbursements) will be considered final, and no further disbursements will be made.</p> <p><b><u>Account Opening & Enrollment Instructions</u></b>: To open and enroll your new account in the promotion, visit the offer website and click on “Open an account online.” Enter AFL2425TR1400 into the promo code field provided, review the offer Terms and Conditions, and then select “Accept Offer”. Accounts opened without the promo code applied will not be eligible to participate in the offer. Once enrolled in the promotion, clients may receive promotional updates via the email address provided or by calling 800.709.8700.</p> <p>Version 3 10022024 <b>AFL2425TR1400</b></p>

To earn the $400 bonus, your account needs to receive at least 2 qualifying direct deposits totaling $1,000 or more within 120 days of account opening.

This is practically passive income and a great way to supercharge your earnings.

Plus, you can enjoy other benefits like no overdraft fee, a $100 negative balance buffer,³ <p>The $100 Negative Balance Buffer is only available with Truist One Checking and allows eligible clients to overdraw their account up to $100.</p> <p>All eligibility requirements below must be met to initially qualify for the $100 Negative Balance Buffer:</p> <ul> <li>Account must be opened for a minimum of 35 calendar days</li> <li>Account must be funded and have a positive balance</li> <li>A single direct deposit of at least $100 per month must be made for 2 consecutive months</li> </ul> <p>To remain qualified for the $100 Negative Balance Buffer, the requirement below must be met:</p> <ul> <li>A recurring direct deposit of at least $100 per month</li> </ul> <p>For accounts that qualify for the $100 Negative Balance Buffer and also have Overdraft Protection, Truist will use the $100 Negative Balance Buffer first. If the account has neither, transactions that exceed the account balance will typically be declined or returned.</p> and automatic upgrades for access to growing perks.

Switch your home insurance and you could save a ton of money

If you have home insurance, you need to see the recent rates available to you. There’s a good chance you’ll want to switch your policy if you see a better rate.

The best way to check for up-to-date rates: Get multiple policy quotes from a variety of home insurance providers. Too many homeowners skip this step — not realizing that they could save potentially $1,000s over the lifetime of owning their house.

Provide Home Insurance is a company that matches you with a variety of home insurance options to meet your home insurance needs … including lower overall cost or better overall coverage.

Just answer a few questions, and they will find options that are right for you.

Enter your zip code to get started

Switch to Mint Mobile and pay $15/month (5G coverage powered by T-Mobile)

Your phone plan doesn’t have to be crazy expensive. With Mint Mobile, you can get an unlimited data phone plan for only $15/month for the first three months.⁴ <p>Upfront payment of $45 for 3-month 5GB plan ($15/mo. equiv.) req’d. Intro rate first 3 months only; then full-price plan options available. Taxes & fees extra. Unlimited plan customers using >40GB/mo will experience lower speeds and videos streaming at 480p. More details <a href="https://www.mintmobile.com/plan-terms-and-conditions/">here</a>.</p>

Sounds like there’s a catch, right? Wrong. Mint Mobile earned awards from “Wired magazine” and “The New York Times” for its modern approach to phone service. It’s fully online, meaning there are no retail stores and no extra overhead. Then, those savings are passed on to you.

Get everything you need for half the price: Mint Mobile is powered by nationwide 5G coverage from T-Mobile, and high-speed data is included on all plans. Plus, you don’t need to be trapped by a contract! There are flexible plan options and you can even bring your own phone.

If your phone is paid off or unlocked, jump on this $15/month deal while you can — because it might not be around forever.

BONUS: Get a second 3-month plan free when you bring your number from AT&T or Verizon.⁵ <p>New customer offer, only on mintmobile.com. Free plan for first three months only; taxes & fees extra. Primary and secondary lines must choose the same plan type and both new plans must port in from an eligible carrier or offer is invalid. Not transferable; not combinable w/ other offers; not redeemable for cash or credit. Addt'l restrictions apply. See <a href="https://www.mintmobile.com">mintmobile.com</a>.</p>

Pay $15/month for premium cell service