It can take years to build great credit—and mere moments to ruin it.
Unfortunately, millions of Americans are plagued by poor credit: According to Experian, one of the country’s three main credit bureaus, about 21% of Americans had a deep subprime credit score in 2017. That means they had a cripplingly low credit score of 300 to 499.
For most people who are interested in setting up smart devices in their home, a dedicated smart-home hub is likely unnecessary. Smart-home hubs act like a go-between for other smart devices—lights, locks, sensors, thermostats. Until recently they were an essential component for controlling a smart home but that’s no longer the case. Digital assistants found...
Cash flow is at the top of any small-business owner’s mind—and a business credit card can be a valuable tool for making sure you pay the bills on time in months when things are tight. (We don’t endorse relying on credit cards as a stopgap, though, as doing so can lead to unmanageable debt.)