Jackie Lam

Angels Camp, Los Angeles

Personal Finance Writer at Freelance

Freelance money writer and financial coach for artists and freelancing creatives @buzzfeed @cnet @refinery29

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Articles

How to Keep Your Insurance Premiums Down After an Accident

1 week ago | moneymanagement.org | Jackie Lam

The following is presented for informational purposes only and is not intended as legal advice. If you get into a car accident, expect your car insurance premium to go up. While the amount of a potential yearly premium spike following an accident can vary by state and your insurer, according an analysis by NerdWallet, in 41 states and Washington, D.C. drivers who've been in a recent accident pay more than $500 more than drivers who haven't.
The high cost of not having a bank account

1 week ago | salon.com | Jackie Lam

Imagine your daily life without using a debit card to pay for groceries or pulling up your bank app to check your account balance. But that is the current reality for millions of Americans. According to a recent survey by the FDIC, data from 2023 reveals over 5.6 million unbanked households in the U.S. In other words, they don't have a checking or savings account. That's a record low number since the survey began in 2009, but some groups were more likely to not have a bank.
The high cost of not having a bank account

1 week ago | yahoo.com | Jackie Lam

Imagine your daily life without using a debit card to pay for groceries or pulling up your bank app to check your account balance. But that is the current reality for millions of Americans. According to a recent survey by the FDIC, data from 2023 reveals over 5.6 million unbanked households in the U.S. In other words, they don't have a checking or savings account. That's a record low number since the survey began in 2009, but some groups were more likely to not have a bank.
When Will This Fall Off My Credit Report?

4 weeks ago | moneymanagement.org | Jackie Lam

The following is presented for informational purposes only and is not intended as credit repair or legal advice. If you’ve ever dinged your credit, you might feel like you’re in consumer purgatory. Waves of anxiety might sweep over you, especially if you’ve been working hard at rebuilding your credit. And you’re afraid that you might be denied financing when you need it. How much damage has already been done to your credit?
How to Pay Off Debt As a Gig Worker

1 month ago | moneymanagement.org | Jackie Lam

Paying off debt is hard enough when you’ve got bills to pay and are spinning a bunch of financial plates. But it only gets harder when you’ve got an income that fluctuates up and down. Maybe you’re a gig economy worker, full-time freelancer, or just lost your job. Whatever the reason, it may seem far easier to just avoid your debts for as long as humanly possible. No need to despair. Debt repayment is entirely possible, even if you’re living on inconsistent income.
After the LA wildfire, my renters insurance was a huge help — but I'm hoping to increase my coverage soon

1 month ago | businessinsider.com | Jackie Lam |Avril Ayers

Personal Finance Money Stories The author, Jackie Lam. Courtesy of Jackie Lam This story is available exclusively to Business Insider subscribers. Become an Insider and start reading now. Have an account? . I had been debating whether to renew my renters insurance policy; after the fire in LA, I'm glad I did. While I was evacuating, I took the time to document my belongings so that I could make a claim.
A couple making $28,000 a year in passive income from real estate used an out-of-the-box approach to buy their first rental

1 month ago | businessinsider.com | Jackie Lam |Avril Ayers

Personal Finance Money Stories Black, Married and Debt Free This story is available exclusively to Business Insider subscribers. Become an Insider and start reading now. Have an account? . Marques and Shyra of Black, Married & Debt Free wanted to work toward financial freedom. So in 2018, they used a home equity line of credit to buy their first rental property in cash. Now they own five rentals that bring in $28,000 a year in passive income.
Your Rights When Dealing With a Debt Collector

1 month ago | moneymanagement.org | Jackie Lam

The following is providing for informational purposes only and is not intended as legal advice. Maybe you’ve been down on your luck or maybe you’ve just gone through a terrible cluster of missteps and unfortunate circumstances — a debilitating illness, costly divorce, or job loss, just to name a few. Whatever the reason, you’ve accumulated debt, weren’t able to make making payments, and they’ve defaulted and have gone to collections.
33 ways to save money

1 month ago | so.gay | Jackie Lam

This article was written by Jackie Lam and originally published on Stacker.comYou likely agree that saving money is a good idea. Putting extra cash aside every month can help you reach your financial goals, whether that’s building an emergency fund, going on vacation, or putting a down payment on a car or home. But wanting to save money and actually doing it are two very different things. It’s easy to get caught up in day-to-day needs (and wants) and never gain any traction on savings.
Banking - Newsweek Vault

1 month ago | newsweek.com | Dori Zinn |Kate Braun |Jackie Lam |Anna Baluch

MMA Rates Savings Rates CD Rates Best Savings Accounts Best Online Banks Best HYSA Best Checking Accounts Best CD Rates Our team of experts diligently researches the best banking institutions and programs so you can decide which bank is the best to keep your money with now. We analyze a wide range of factors, including interest rates, fees, customer service, and financial stability, to provide you with a clear and unbiased comparison.