LOADING ...

Alicia Adamczyk's posts - English uPOST

Alicia Adamczyk Alicia Adamczyk Jul 15, 2019 at 18:11.

You Don't Own the Music, Movies or Ebooks You 'Buy' on Amazon or iTunes

You Don't Own the Music, Movies or Ebooks You 'Buy' on Amazon or iTunes

When you purchase music, movies or books from Amazon or Apple’s iTunes store, you might be under the impression that that material is yours to enjoy forever; that’s how CDs and paper books work, after all. Why rent You’ve Got Mail for $3.99 every few months when you can “own” it and watch it whenever, forever, for $9.99?

But you’d be mistaken. Anything digital is temporary, even if you clicked...

Alicia Adamczyk Alicia Adamczyk Jul 15, 2019 at 15:25.

Try a 52-Week IRA Challenge in 2019

Try a 52-Week IRA Challenge in 2019

Two Cents readers are likely familiar with the 52 week money challenge —you increase your savings by $1 every week for a year. The first week you save $1, the next week you save $2, and so on, until you’ve accumulated $1,378 by the end of the year.

Some people prefer to flip the challenge—start with $52 the first week and work your way to $1, so you’re getting the hardest weeks out the way...

Alicia Adamczyk Alicia Adamczyk Jul 15, 2019 at 15:09.

All the Information You Need to Vote in the 2018 Midterm Elections

All the Information You Need to Vote in the 2018 Midterm Elections
Your browser does not support HTML5 video tag.Click here to view original GIFIllustration: Angelica Alzona

Midterm elections are on November 6th—are you registered?

If you’re not sure, you can check here. And if you’re not, or you need to re-register, don’t worry: You still have time in every single state to register and/or plan if you need to submit an absentee ballot for the Midterms.

That...

Alicia Adamczyk Alicia Adamczyk Jul 15, 2019 at 15:03.

What to Know About Your Insurance When You're on Vacation

What to Know About Your Insurance When You're on Vacation

Potential medical bills might be the last thing on your mind during your summer getaway, but if something bad happens to you or a family member on vacation, you’ll want to know what your insurance will cover.

If you’re traveling in the U.S., where you go and what type of facility you seek care from will affect how big your bill is when you get home. Many places will be considered...

Alicia Adamczyk Alicia Adamczyk Jul 15, 2019 at 14:44.

Bridge Your Relationship's Money Gap With a Data Dump

Bridge Your Relationship's Money Gap With a Data Dump

One of the keys to getting on the same page with your partner about money is to have open and honest communication. As Lifehacker has covered, scheduling periodic money check-ins—whether that’s weekly, monthly, etc.—is important in any relationship.

Where you might run into a problem, though, is if you (or your partner) are in charge of most of the financial tasks or decisions for your...

Alicia Adamczyk Alicia Adamczyk Jul 15, 2019 at 14:33.

How the Student Loan Grace Period Works

How the Student Loan Grace Period Works

Most graduates have a six-month grace period after college before they need to begin to make their monthly student loan payments.

It’s Freshman Orientation Week at Lifehacker! This week, we’re covering ways to snap out of your summer haze and into an autumnal blitz of activity, whether you’re actually heading to campus for the first time, getting your own kids ready for school, or looking for...

Alicia Adamczyk Alicia Adamczyk Jul 15, 2019 at 14:29.

The Best Stuff Written About Money in 2018

The Best Stuff Written About Money in 2018

We have a roundup of our favorite Two Cents articles of 2018 , but when it comes to money, there’s so much more to understand beyond the practical “how tos.” The ins and outs of predatory lenders and how they prey on people, what the weight of student loan debt can do to a family and a frank conversation about why the American Dream doesn’t really exist anymore are all topics worth...

Alicia Adamczyk Alicia Adamczyk Jul 15, 2019 at 13:10.

What to Do if You Default on Your Student Loans

What to Do if You Default on Your Student Loans

Defaulting on student loans has become an inevitability for a certain proportion of borrowers: According to a report from the Urban Institute, 1 million borrowers default on their loan payments each year—defined as not having made a payment in nearly a year—and around 40 percent are expected to default by 2023.

Doing so will have negative effects on your credit score, preclude you from...

Alicia Adamczyk Alicia Adamczyk Jul 15, 2019 at 12:06.

How to Watch the Midterm Results Without Cable 

How to Watch the Midterm Results Without Cable 

Happy Election Day, America. The 2018 midterm elections are here, and if you want to follow along on something a bit more reputable than social media, news orgs are dropping paywalls and allowing people to watch results without cable logins.

The final polls won’t close until 1 a.m. EST (in Alaska), but some election coverage is starting as early as 4:30 p.m.

ABC

ABC begins coverage at 4:30 p.m....

Alicia Adamczyk Alicia Adamczyk Jul 15, 2019 at 11:56.

Use Your Priority Pass for $28 Off at Some Airport Restaurants

Use Your Priority Pass for $28 Off at Some Airport Restaurants

If you’ve used Priority Pass to access an airport lounge, you may be underwhelmed by the free food offerings, depending on where you are. But there’s a way to get higher quality food without shelling out any more money.

One benefit you may not be aware of is that Priority Pass offers meal credits, typically of $28, in partnership with some airport restaurants, as Sally French writes for the

Alicia Adamczyk Alicia Adamczyk Jul 15, 2019 at 11:16.

How to Prevent Market Dips From Tanking Your Retirement

How to Prevent Market Dips From Tanking Your Retirement

For those with decades until retirement, the market’s swings are just a part of the investing process. As long as your asset allocation is in line with your risk tolerance, you can more or less sit back, ignore daily movements and turn off CNN when things get rocky. But for new retirees and those just a few years away, a tanking market is a scarier prospect.

If that’s you, you need to start...

Alicia Adamczyk Alicia Adamczyk Jul 15, 2019 at 11:11.

How the Latest IRS Penalty Changes Affect Your Tax Return

How the Latest IRS Penalty Changes Affect Your Tax Return

The 2017 Tax Cuts & Jobs Act changed a number of things about the tax code, including how much some people should withhold from their paychecks. Lifehacker gave a few warnings to adjust your withholdings in 2018 lest you get hit with an under-withholding penalty this tax season, but if you didn’t, there’s less reason to worry: The IRS announced last week that it is waiving the fine in...

Alicia Adamczyk Alicia Adamczyk Jul 15, 2019 at 10:54.

What to Do If You Get Turned Away at the Polls

What to Do If You Get Turned Away at the Polls

Several states have instituted stricter voter ID laws since the 2016 presidential election; more, still, are purging voter rolls in the lead up to the election, and the recent Supreme Court decision to uphold Ohio’s aggressive purging law means you can expect many more people to be removed. So, even if you’re registered to vote (and you should really double check) you might find yourself...

Alicia Adamczyk Alicia Adamczyk Jul 15, 2019 at 04:31.

Check Your Credit Report After Experian's Credit Freeze Glitch

Check Your Credit Report After Experian's Credit Freeze Glitch

If you froze your credit at Experian after Equifax’s infamous 2017 data breach, take heed: According to a report from NerdWallet, the credit bureau’s system for verifying PINs to unfreeze credit had a major security flaw, leaving people vulnerable to scammers.

Per the report from veteran writer Liz Weston, “Experian’s site exposed the personal identification numbers—the PINs needed to thaw...

Alicia Adamczyk Alicia Adamczyk Jul 15, 2019 at 04:27.

What's in the Tax Bill That Just Passed the House?

What's in the Tax Bill That Just Passed the House?

The House recently passed a package of legislation that could change the way people save for retirement. That is, of course, if the Senate passes the new tax changes as is, which experts say isn’t likely.

The biggest changes include making the tax cuts passed last year permanent for individuals (they currently sunset in 2025), expanding retirement and education accounts, and creating...

Alicia Adamczyk Alicia Adamczyk Jul 15, 2019 at 03:21.

How Much of Your 401(k) Balance Is Actually Yours?

How Much of Your 401(k) Balance Is Actually Yours?

If you’ve been contributing to a 401(k) or IRA for a few years, you might be happy with your current balance. You know, in a nebulous way, that you’ll have to pay taxes of some kind when you take a disbursement, but that’s overshadowed by the progress you’re making toward your retirement goals. Look at the wealth you’re building!

Unfortunately, your true balance might be significantly lower...

Alicia Adamczyk Alicia Adamczyk Jul 15, 2019 at 02:10.

Find Cheaper International Travel Fares Using This Decades-Old Loophole 

Find Cheaper International Travel Fares Using This Decades-Old Loophole 

Airlines are not allowed to charter flights between two countries if they are not based out of either. That’s why you won’t find Delta selling trips between Canada and France, or Malaysia Airlines flying between the U.S. and England.

Except, as the Wall Street Journal notes, when a 1944 treaty allows it. “Some airlines are allowed to carry customers between two non-native countries, usually...

Alicia Adamczyk Alicia Adamczyk Jul 15, 2019 at 01:28.

How Much You'll Actually Take Home from the $1.6 Billion Mega Millions Jackpot [Updated]

How Much You'll Actually Take Home from the $1.6 Billion Mega Millions Jackpot [Updated]

Update 10/23/18: This post has been updated to reflect the new $1.6 billion Mega Millions jackpot.

Tuesday’s Mega Millions jackpot has reached a record $1.6 billion, but what the winner will actually take home depends on picking the annuity or the lump sum payment—and, of course, taxes.

The debate between whether to take the lump sum or the annuity is intense, although most winners opt for the...

Alicia Adamczyk Alicia Adamczyk Jul 15, 2019 at 01:26.

Here's How Much to Tip at a Hotel

Here's How Much to Tip at a Hotel

For such a small act, tipping can seem overwhelming. We know it’s customary to give a little something to the people helping make our vacations and travels better, but how much is enough? Should you tip the bellhop as much as the housekeeper, and what about the concierge? Does staying at an all-inclusive resort mean you’re off the hook?

These are good questions, but luckily it’s not as...

Alicia Adamczyk Alicia Adamczyk Jul 15, 2019 at 01:20.

What to Do If an ETF in Your Portfolio Closes

What to Do If an ETF in Your Portfolio Closes

A proliferation of ETFs over the past few years has translated into a record number of the low-cost funds closing, according to Associated Press reporter Anna-Louise Jackson, as not all of the funds can attract enough investors to stay afloat. In fact, the AP reports that through September, 132 ETFs have stopped trading this year, compared to 138 in all of 2017.

Typically this will only happen...

Language