The fine print, read for you.
Seven departments covering the money paperwork every American household signs: coverage, cards, accounts, mortgages and the April filing. Written in plain English, updated when the rules change.
- 30-year fixed mortgage
- 6.41%
- 15-year fixed mortgage
- 5.68%
- High-yield savings
- 4.05% APY
- Average credit card APR
- 21.3%
- 60-month new auto loan
- 7.24%
Sample figures shown for layout. Replace with your own weekly survey data before publishing, and date-stamp the row so readers know how fresh it is.
The departments
Each one starts with the decision you are actually making, not the product a company wants to sell.
Health insurance
Marketplace plans, employer coverage, Medicare timing, HSAs, and what a deductible really costs you in a bad year.
Home loans
Conventional, FHA and VA mortgages, down payment math, points, PMI, and when a refinance actually pays for itself.
Home insurance
Dwelling limits, replacement cost versus actual cash value, flood and wind exclusions, and how to file a claim that sticks.
Auto insurance
State minimums that are not enough, how a claim moves your premium, teen drivers, SR-22 filings, and quoting without the runaround.
Banking
Checking without junk fees, where savings yields actually sit, CD ladders, overdraft rules and FDIC coverage explained.
Credit & debit cards
Rewards that beat the annual fee, APR and balance transfers, secured cards for building credit, and debit fraud protections.
Tax
Filing deadlines, standard versus itemized, credits families miss, freelance quarterlies, and what to do when a letter arrives.
From the desk this week
Short, dated, and revised when the numbers move.
Open enrollment is shorter than you think — a four-week plan for picking coverage
Home loansDiscount points: the break-even month that decides whether to buy them
Credit & debit cardsWhat a balance transfer really costs once the promotional window closes
Auto insuranceYour state minimum liability limits, and why they stopped covering a real crash
BankingWhere your emergency fund sits matters more than how big it is
TaxFreelancers: the quarterly estimate worksheet, without the jargon
Monthly payment, worked out
Principal and interest, plus the escrow items lenders add to the bill.
Estimated monthly payment
- Principal and interest $2,654
- Taxes and insurance $560
- Amount financed $357,000
- Interest paid over the term $598,440
An estimate only. Your lender's figure will include PMI, HOA dues and any escrow shortfall.
The Friday ledger
One email a week: rate moves, deadlines worth calendaring, and the one thing to check on your own accounts.
No sponsored placements in the newsletter. Unsubscribe in one click.