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What do I need to know about FDIC insurance?

  • Posted on March 18, 2023
  • by BrightDime

If you’ve had a bank account or visited a bank in the United States you’ve probably seen the letters “FDIC” before. FDIC stands for the Federal Deposit Insurance Company, a…

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Financial New Year’s Resolutions Fireside Chat

  • Posted on February 2, 2023February 7, 2023
  • by BrightDime

Did you miss our live discussion about financial new year’s resolutions? Over 88% of new year’s resolutions fail in the first month, and only 8% are successful. That’s why this…

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When is Buy Now, Pay Later a good idea?

  • Posted on July 29, 2022February 2, 2023
  • by BrightDime

Buy Now, Pay Later (or “BNPL”) has exploded in popularity recently. While each BNPL company’s offerings are different, the most common is a simple zero percent interest installment loan. When…

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The Pros and Cons of Buy Now, Pay Later

  • Posted on July 22, 2022March 1, 2023
  • by BrightDime

Buy now, pay later has exploded in popularity recently. These services offer a number of different options for paying with credit but the most common is a zero percent interest…

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What is Buy Now, Pay Later?

  • Posted on July 15, 2022July 15, 2022
  • by BrightDime

If you’ve done any online shopping recently you’re probably familiar with the option to “buy now and pay later.” This option to split your payment up into installments has exploded…

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What can you do with a 401(k) from a previous job?

  • Posted on March 19, 2022
  • by BrightDime

If you leave a job where you had a 401(k) you’re faced with a decision: what do you do with the 401(k) account at your old job? The money in…

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What is a rollover IRA?

  • Posted on March 12, 2022November 9, 2022
  • by BrightDime

A rollover IRA is an Individual Retirement Account that is funded by closing a 401(k) (or similar account) at a previous job and moving those funds to the new individual…

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What does “vesting” mean?

  • Posted on March 4, 2022March 4, 2022
  • by BrightDime

Vesting refers to the process of a financial benefit becoming yours over time. The most common example is a 401(k) match. (There are other types of compensation that might vest,…

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What does it mean if my company offers a 401(k) match?

  • Posted on February 25, 2022February 25, 2022
  • by BrightDime

When you contribute to a 401(k) you put your own money in, called a contribution. That contribution is made with pre-tax dollars, invested within the 401(k) account, and grows tax-deferred…

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What happens to my 401(k) if I leave my job?

  • Posted on February 19, 2022March 4, 2022
  • by BrightDime

A 401(k) is an employer sponsored, tax advantaged account for saving and investing for retirement. You contribute pre-tax dollars to it, invest that money, and then withdraw the money in…

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