Small Business Spotlight 2022

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Gas Prices Are Down Year-Over-Year for First Time Since January 2021

U.S. gas prices hit a major milestone early Dec. 8, falling below the previous year's average for the first time since January 2021 amid an ongoing slump in demand. Some experts say prices could…

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12 Best Christmas Gifts Ideas From Target 2022

Christmas shopping can be exhausting if you have to hit multiple stores to check everyone off your list. Fortunately, Target makes gift giving easier by stocking a wide variety of items, from home and…

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States Whose Economies Are Failing vs. States Whose Economies Are Thriving

The swiftness with which the coronavirus pandemic wiped out the U.S. economy in early 2020 was breathtaking. Seemingly overnight, the U.S. unemployment rate shot up to an all-time record of 14.7% in…

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Don’t Qualify For SNAP? The Commodity Supplemental Food Program Could Help Seniors Get Food

The American Rescue Plan provided an additional $37 million to boost a program for elderly citizens who might need extra help with groceries and food each month. SNAP Benefits: Can You Use EBT…

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Child Tax Credit: IRS Issues Important Reminder and 4 More Before Tax Season

Now that 2022 is coming to an end, the clock is beginning to tick on preparing your 2022 tax returns. Those getting their documents in order to file will want to note a number of changes and updates…

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Do SNAP EBT Cards Expire?

Whether or not your Supplemental Nutrition Assistance Program (SNAP) Electronic Benefit Transfer (EBT) card has an expiration date depends on your state. According to the U.S. Department of…

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Social Security Payment Schedule 2023: What Dates To Watch Out For

All eyes are on the first Social Security payments of 2023, in which the record-breaking cost of living adjustment (COLA) will start to be reflected in the checks of 66 million beneficiaries. See: 5…

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Hawaii’s Gov. David Ige and 29 More States Extending Emergency SNAP Allotment Through December 2022

On Nov. 17, Hawaii's Gov. David Ige signed a fifth emergency proclamation to extend the state's Emergency Supplemental Nutrition Assistance Program (SNAP) benefits through January 16, 2023. Explore:…

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Winter Relief Checks: Maine To Provide Families and Seniors With Emergency Heat Funds

Maine lawmakers know how cold it gets in the Pine Tree State, and also know how high the heating bills will run this winter amid record high energy prices. To help out, they have announced a pair of…

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Will Food Stamps Increase Because of Inflation?

Even in a year when prices for just about everything are skyrocketing, the surging price of food stands out. In June, the federal government's food-at-home index — meaning food you buy at a grocery…

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SNAP Benefits: Can You Use EBT Card/Food Stamps To Purchase Hot Food?

SNAP gives eligible low-income households extra food-purchasing assistance to supplement food budgets. Funded by the U.S. Department of Agriculture and administered at the state level, SNAP benefits…

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Why December 15, 2022 Is a Key Date for ACA Health Insurance

If you're one of the 35 million people enrolled in health insurance coverage through the Affordable Care Act, also known as Obamacare, Dec. 15, 2022 is a big day to remember. As GOBankingRates…

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Sudden Job Loss Near Retirement? 4 Ways To Cope Financially

A sudden job loss when you are nearing retirement can have a deep emotional impact on individuals and their families. Almost everything changes when one loses a job, but not necessarily for the worst….

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With Social Security at Risk, Gen Z Should Prepare for Retirement Now in 3 Ways

Reports show that Social Security benefits could be reduced as early as 2034 due to a shortage of funding. That could mean that Gen Z, millennials and Gen X all receive less money than they expect for…

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Walmart Price Hikes: CEO Says Rampant Theft Could Lead to Higher Costs and Store Closures

The costs of shoplifting are adding up at Walmart. CEO Doug McMillon said that an uptick in theft is becoming such an issue at locations across the U.S. that it could lead to store closures and price…

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New Starbucks Tipping System: Prepare To Pay More For Your Daily Fix (or Feel Like a Christmas Grinch)

Recent surveys reported by GOBankingRates have shown that 75% of consumers have tipped for over-the-counter services "out of guilt." That sense of guilt is sometimes amplified when an iPad terminal at…

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9 Christmas Stocks To Invest In This Holiday Season

If you’re looking for stocks to buy before Christmas so you can take advantage of what many businesses hope will be a high-spending season, consider these picks.

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With Home Prices Rising, These 10 Locations Won’t Be a Bargain for Long

Home prices are expected to increase in the new year, as are mortgage rates. Meanwhile, the big bad bear of inflation still lurks, as do growing fears of a recession amid widespread layoffs. All these…

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Stores Are Getting Tougher on Return Policies As Holiday Shopping Ramps Up

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Social Security: No Matter Your Age, Do Not Claim Benefits Until You Reach This Milestone

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6 Shakeups to Social Security Expected in the New Year

Social Security will be seeing a lot of changes in 2023, many of them tied to the biggest cost-of-living adjustment (COLA) in more than 40 years. The new COLA will impact payments to Social Security…

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7 Best Dollar Tree Items To Stock Up on For Christmas

With the holiday season in full swing, there's a lot to do — and shop for — the next few weeks. From gifts to decorations to gift wrap and baking items, a Christmas shopping list seems like it's…

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In the Market for a Holiday Pet? BBB Warns Puppy Scams Will Cost Americans $2M This Year

The Better Business Bureau is warning Americans to be on the lookout for puppy scams this holiday season. Pet scams have totaled $2 million for 2022, reported WGAU, and the BBB said that 80% of…

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As Pepsi Lays Off Workers, Experts Predict More Job Losses Outside Tech Sector After the Holidays

While the tech sector has been particularly hard hit with massive layoffs in the past months, the downsizing issues seem to be broadening to several other areas. And now, some experts are warning that…

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SNAP Benefits: Can You Use Your EBT Card/Food Stamps To Purchase Soda?

SNAP, which is funded by the U.S. Department of Agriculture and administered at the state level, provides food assistance to low- and no-income households across. The U.S. SNAP benefits can only be…

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Was Hertz Stock Affected by $168M False Arrest Settlement?

Hertz announced on Dec. 5 it had settled 364 claims — and would pay out $168 million — following a lawsuit against the company. The lawsuit in question centered around claims Hertz had allegedly…

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Food Stamps: What Is the Maximum SNAP EBT Benefit for 2023?

Each year, the U.S. government calculates the new maximum benefit for food stamp (Supplemental Nutritional Assistance Program, or SNAP) recipients based on inflation. SNAP Benefits: How Long Do They…

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Have Any $200 Quarters Lying Around? It’s Worth Checking Your Spare Change

A single quarter could be worth more than $200 — and it has nothing to do with inflation. See Our List: 100 Most Influential Money ExpertsMore: 5 Things You Must Do When Your Savings Reach $50,000…

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Social Security: New Bill Could Give Seniors an Extra $2,400 a Year

Social Security recipients could get an additional $2,400 a year in benefits if a new bill recently introduced to Congress wins approval — something seniors would no doubt welcome as surging…

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What Is the Highest Income Level for Food Stamps in 2023?

To qualify for Supplemental Nutrition Assistant Program (SNAP) benefits, which were previously referred to as food stamps, you need to meet certain eligibility requirements, including the amount of…

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Oil Prices Keep Dropping Amid Economic Fears — Could It Last Through the Holidays and Beyond?

Oil prices dipped to their lowest point of the year this week despite the recent announcement by OPEC and its allies to keep cutting supplies as fears of a global recession outweigh supply…


Holiday Scams: Big Ones to Watch Out For & Expert Tips to Protect Yourself

One present that most people won't want to open this year — a notice from your bank or credit card that you've been scammed out of money or that your identity has been compromised. Yet the holiday…

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Households Pay Nearly $1,000 a Year in Hidden Bill Costs — What To Look Out For

In a year of skyrocketing inflation, the last thing consumers want is to pay extra for hidden costs stuck inside their bills. But that's what's happening — to the tune of nearly $1,000 a year per…

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Mark Your Calendar for the Best Day To Go Christmas Shopping in December 2022

If you missed out on Black Friday deals and Cyber Monday steals, don't panic. According to some experts, the best day for Christmas shopping actually isn't for another 10 days. Explore: 5 Simple Ways…

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Scam Spotting: What Are the 5 Most Fake Reviewed Amazon Products Around the Holidays?

On Dec. 5, Saoud Khalifah, the founder and CEO of FakeSpot, posted a tweet targeting the five most fake reviewed categories on Amazon. The tweet comes "after the record breaking Black Friday/Cyber…

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Social Security Website Gets an Upgrade: What’s Changed and How It Benefits You

Those visiting the Social Security site ( for the first time in a while may notice that things look a bit different than before. The homepage touts a fresh look and new interactive features…

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Will Social Security Payments Be Delayed Because of New Year’s Day?

The winter holidays fall on weekend dates every now and then, and in 2022, we are due. Christmas Eve and Christmas Day are on a Saturday and Sunday, respectively — and because New Year's Eve and New…

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5 Expert Tips To Reduce Your Utility Bill as Winter Approaches: Energy Audits, Hibernate Mode and More

We are less than two weeks away from the official start of winter, and while temperatures have so far been mild across the country, that can soon change. Much like everything else that is being…

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HBO Max: Plans, Costs and More

HBO Max competes with the many on-demand streaming channels with a vast library of movies and television series. But how much is HBO Max? Is it worth subscribing?


Holiday Gifting Guide: When To Ship Packages So They Arrive by Christmas

The crunch time for holiday shopping – and shipping – is just about here. And if you need to send your gifts across the country or want to order something to arrive in time to give in person, it's…

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Here’s How Much the Rockefeller Center Christmas Tree Costs

There's a big range when it comes to picking out a Christmas tree, from the skimpy "Charlie Brown" style to the stately crown jewel of the Griswolds. Yet, when it comes to the magical spruce that…

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Mailing a Holiday Check? Here’s How To Protect Monetary Gifts From Fraud

While giving money to your loved ones this holiday season is a very nice gesture, there are also some on the naughty list who have their eye on the mail this time of year and are looking to steal…

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Inflation Has Americans Cutting Back on Food Delivery — How Much Is Their Average Savings Per App?

The term "discretionary spending" usually refers to lifestyle "wants" — non-essential pursuits like hobbies, travel and luxury spending. Conversely, non-discretionary "needs" items such as rent,…

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Shiba Inu (SHIB): What It Is, What It’s Worth and Should You Be Investing?

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Free Retirement Money: Robinhood Offers 1% Match on New IRA Contributions

One of the most important financial strategies you'll ever undertake is saving for retirement, but too few people are saving enough to retire comfortably. Retail brokerage and stock-trading app…

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Doing Your Holiday Shopping Early? Keep These Return Policies From Target, Amazon, Costco & More In Mind

With the holidays and holiday sales fast approaching, it's smart to start your shopping early. The only downside? Return policies. If you decide to get ahead on your holiday expenses, you should get…

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Tax Refund ‘Sticker Shock’ Is Coming — Why Less Money Back Is Expected in 2023

Tax refunds are a big silver lining of enduring winter — but, if you're expecting a big check in 2023, be prepared to see less than previous years. See: 6 Types of Retirement Income That Aren't…

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Hopes for Expanded Child Tax Credit Rest on Parental Work Requirement — How It Could Happen

Hopes for another round of expanded Child Tax Credits (CTCs) before the end of 2022 might hinge on a requirement that parents work to become eligible. To get there, U.S. lawmakers will likely have to…

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Student Loans: 9 Million Borrowers Mistakenly ‘Approved’ for Forgiveness — What Happens Now?

In a mistake that will make a complicated situation even more confusing, about 9 million Americans received erroneous emails in November saying that their application for the Biden administration's…

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Does My Spouse Have To Pay My Student Loans If I Die?

Back in 2019, when more than 44 million Americans had a combined student loan debt of $1.5 trillion, insurance firm Haven House surveyed borrowers about the impact of death on their student loans and…

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Biden’s Student Loan Forgiveness Will Likely Be Deemed Illegal — What To Expect Now

With the fate of President Joe Biden's student loan forgiveness program in limbo, millions of borrowers are left wondering how to best proceed. And now, several experts say that the Supreme Court will…

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Will Social Security Offices Be Closed for Christmas and New Year’s Holidays?

If you plan on visiting a Social Security Administration (SSA) office, be aware of holiday schedule changes. As of 2022, there are 11 federal holidays, and certain rules also apply if the federal…

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8 Ways To Get Free Money from the Government Before the Holidays

The 2022 holiday season will be a lean one for millions of Americans who have enough on their financial plates just dealing with skyrocketing inflation. One option is to cut back on spending. Another…

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Why Doesn’t Every Grocery Store Accept SNAP EBT Food Stamps?

The federal government's Supplemental Nutrition Assistance Program, or SNAP, formerly called "food stamps," helps families to afford fresh, healthy food and ingredients to prepare meals at home. The…

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Medicare: Enrollment Period Nears End Amid Concerns About Medicare Advantage Overcharges — Should You Steer Clear?

Many seniors are scrambling to decide on the right Medicare plan ahead of the open enrollment deadline of Dec. 7, which means they are also weighing the pros and cons of Medicare Advantage. But some…

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Food Stamps: Fraud and Theft Are on the Rise — How Can You Prevent Them?

Fraud and theft involving food stamps have become so rampant in recent months that some recipients want to hold government agencies legally responsible when benefits are stolen. Among the complaints…

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Medicare Open Enrollment Ends Soon — What Expenses Are Not Covered?

Now is the time to choose your Medicare plan for the new year if you haven't done so already. Open enrollment for Medicare ends on Wednesday. Social Security: No Matter Your Age, Do Not Claim Benefits…

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Don’t Qualify for Social Security? You Can Still Sign Up for Medicare — But Plan Ahead

Whether you don't yet wish to collect Social Security benefits or simply aren't qualified to receive them (for instance, an insufficient work history), those aged 65 and over do not need to be on…

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Social Security: Free Calculators Help You Plan Ahead for Cuts to the Program — How They Work

Despite what you might have heard, Social Security will not run out of money next decade. But under the current system, the program's reserve trust funds are expected to be tapped out by 2035, meaning…

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The Smartest Ways To Use Your Unemployment Benefits

Though experts say the job market is very healthy in America, and remains one of the major keys to preventing a full-blown recession, there are still a large number of unemployed workers across the…

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10 Jobs That Make $80 an Hour (or More)

In the United States, the median salary is currently $54,134 annually, according to the Bureau of Labor Statistics. Doing the math, that averages out to about $28/hour. See: What Is the Minimum Salary…

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4 Charitable Deduction Options To Reduce Your Tax Bill in 2022

As 2022 draws to a close, many American taxpayers are thinking of charitable donation strategies that make the most sense for their finances, despite any contemporary economic burdens. See: 6 Shakeups…

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SNAP 2022: What Items Are Eligible for Purchase With Your EBT Food Stamps?

The Supplemental Nutrition Assistance Program, or SNAP, is the largest federal nutritional assistance program in the U.S. SNAP helps boost the purchasing power of low-income households via a monthly…

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What Perks Actually Succeed at Luring Employees Back to the Office (and Which Fail Miserably)?

The pandemic may have changed how and where people work forever, but according to a recent study, 90% of companies polled said they will demand workers to return to the office (RTO)…

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SNAP Restaurant Meals Program: What It Is and How Can Seniors Sign Up?

The vast majority of low-income Americans who qualify for Supplemental Nutrition Assistance Program (SNAP) benefits can only use them to pay for food that must be prepared at home. This means almost…

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Why Credit Unions Are ‘More Affordable’ Than Traditional Banks Right Now

Though inflation is cooling off ever so slightly it still remains at a near 40-year high, and we will likely see higher-than-usual prices stretch into the new year. During these tough times, credit…

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What Does the G7 Price Cap on Russian Oil Mean For You?

The members of the G7 as well as Australia — collectively known as the "Price Cap Coalition" — recently announced a price cap of $60 per barrel on Russian crude oil and petroleum products to be…

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How Access To Retirement Plans (or Lack Thereof) Is Preventing Americans From Having Adequate Savings

Access to a workplace retirement plan typically prompts more people to save, but many Americans don't even get the chance. This problem has to do with the current retirement system, as more employers…

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Social Security 101: Check Your Balance Regularly

In the past, checking your estimated social security amount meant waiting for the Social Security Administration to send you updates on your personal estimated benefit amounts. Social Security: Women…


How To Boost Your Social Security Benefit With Supplemental Security Income

The Supplemental Security Income program provides a monthly benefit to adults and children with a disability or blindness and resources below specific financial limits. SSI payments are also made to…

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Social Security Benefits: What Will (and Won’t) Get Taxed From Your Monthly Check

According to the IRS, your Social Security benefits may be taxable if the total of one-half of your benefits plus all of your other income is greater than the threshold amount for your filing status….

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OPEC Will Not Increase Oil Production — What Will That Mean for Gas and Heating Oil Prices?

Declining gas and oil prices in recent months have been good news for just about everyone — except the Organization of Petroleum Exporting Countries (OPEC). OPEC is so unhappy about the trend that…

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What Will the COLA Be in 2023 For Social Security?

Social Security recipients will see a big boost to their monthly benefit checks in 2023. According to the Social Security Administration, the cost-of-living adjustment (COLA) will be 8.7% for fiscal…

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SNAP FAQ: What Is the Florida EBT Card and How Can Residents Apply For Benefits?

The Supplemental Nutrition Assistance Program, the nation's most important anti-hunger program, provides monthly benefits to eligible Floridian households via the Florida EBT card. SNAP is…

Mandatory Credit: Photo by Akili-Casundria Ramsess/AP/Shutterstock (12950382i)Raphael Warnock speaks at the Gwinnett County Democratic Party fundraiser on in Norcross, GaUS Election 2022 Georgia, Norcross, United States - 21 May 2022.

How Much Is Raphael Warnock Worth?

Raphael Warnock, the current junior United States senator from Georgia, is up against Republican candidate Herschel Walker in a run-off election for Senate.  Discover: How Much Is Former NFL Player…

Mandatory Credit: Photo by ERIK S LESSER/EPA-EFE/Shutterstock (13372656h)Republican US Senate candidate Herschel Walker participates in the start of his 'Unite Georgia Bus Tour' at the Lakepoint Sports Park in Emerson, Georgia, USA, 07 September 2022.

How Much Is Former NFL Player Herschel Walker Worth as He Runs For US Senate?

Herschel Walker, 60, is an American athlete, businessman and philanthropist who is currently the Republican nominee for the vacant senate seat in Georgia. He is currently battling Democratic…

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Are Student Loans Forgiven After You Die?

With all the talk surrounding President Joe Biden's student loan forgiveness plan in the headlines, it's easy to forget that borrowers and their families have other things on their minds when it comes…

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Will Social Security Payments Be Delayed Because of Christmas and New Year’s?

This year, Christmas falls on a weekend, meaning Monday, Dec. 26 will be a federal holiday. Federal benefits, including social security and social security supplemental income, are not paid on…

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Strong Jobs Report Is Bad News for Inflation, According to Experts

Despite recent massive layoffs and rate hikes, the November job report blew past expectations — the country added 263,000 jobs for the month. While this is good news for workers, it's less so for the…

Young family with one child grocery shopping.

Food Stamps Schedule: New Hampshire EBT for December 2022 and Where To Get SNAP Discounts

Residents of New Hampshire who qualify for Supplemental Nutrition Assistance Program (SNAP) benefits have it easy when it comes to remembering when benefits are paid each month. The payment date…

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Food Stamps Schedule: Utah Horizon Card for December 2022 and Where To Get SNAP Discounts

Supplemental Nutrition Assistance Program (SNAP) benefits in Utah are administered by the state's Department of Workforce Services (DWS), which also sets the schedule for when benefits are paid. Utah…

Pensive Senior Businessman, Manager leaning at the huge glass front window of modern conference room thinking with a serious, worried facial expression.

Millionaires Are Worried About Having Enough Money for Retirement

Even millionaires get the blues. Apparently, they, too, worry about money, including over whether they'll have enough to retire.  Retirement at Any Age: Get Retirement Tips That Fit Every Stage of…

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Jeff Bezos Warns Consumers Halt Big Purchases Ahead of Prolonged Economic Downturn

Amazon founder Jeff Bezos, one of the richest men on the planet, is warning consumers and small businesses to delay big purchases in case of a prolonged economic downturn. More: Jeff Bezos Donates…

Mandatory Credit: Photo by Image Press Agency/NurPhoto/Shutterstock (12545073b)(FILE) Kanye West Legally Changes His Name to Ye.

How Much is Kanye West Worth After Losing Most of His Fortune?

Kanye West is no longer a billionaire. After being flagged on Instagram and Twitter for antisemitic comments, companies who partnered with the rapper are dropping him en masse. Read More: 10 Richest…

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Used Car Market: Who Are the Biggest Winners and Losers as Prices Drop?

With the price of food continuing to rise, at least consumers are seeing relief in one spending category: The price of used cars is dropping in line with rising interest rates and decreased consumer…

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Food Stamps: Massachusetts’ Benefits Schedule for December 2022 and How To Get SNAP EBT Discounts

SNAP is run by the Department of Transitional Assistance (DTA) in Massachusetts, helping low-income households expand their food budget by sending out monthly benefits through the Massachusetts EBT…

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What Happens to Social Security When You Die?

The end of a person's life doesn't necessarily mean the end of their social security payments. Depending on factors like income and dependents, Social Security checks will still be issued to someone…

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What Social Security Will Look Like in 2035

The future of Social Security remains uncertain, forcing people to ask questions like, "Will Social Security run out?" According to the 2021 annual report from the Social Security board of trustees,…

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Food Stamps Schedule: Texas (Lone Star Card) Benefits for December 2022 and Where To Get SNAP EBT Discounts

Texas SNAP benefits are administered by the Texas Health and Human Services Commission and distributed once per month to Texas Lone Star Cards — the state's EBT card. Benefits, including December's…

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How Much is Alexandria Ocasio-Cortez Worth?

Rep. Alexandria Ocasio-Cortez, also known as AOC, made history when she became the youngest woman ever elected to Congress. Here's a look at her finances.

Mandatory Credit: Photo by Seth Wenig/AP/Shutterstock (13036292f)Prince Harry arrives at United Nations headquarters, .

How Much is Prince Harry Worth?

Prince Harry was born on Sept. 15, 1984, in London to King Charles III and the late Diana, Princess of Wales. Harry — whose full name is Prince Henry Charles Albert David — is the younger brother of…

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Maryland Food Stamp Program Schedule for December 2022 and Where To Find SNAP Discounts

Marylanders who need assistance purchasing food can apply for Supplemental Nutrition Assistance Program (SNAP) benefits with the state's Department of Human Services (DHS). Benefits are distributed…

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Food Stamps Schedule: When To Expect New Jersey (NJ SNAP) Payments in December and How To Get EBT Discounts

New Jersey's Supplemental Nutrition Assistance Program, NJ SNAP, provides food assistance to low-income families to help them buy groceries. SNAP is a federal program, but it is administered at the…

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California Inflation Relief Checks: Avoid Scammers While Waiting for Money

California residents beware: scammers are on the prowl, targeting state taxpayers' one-time inflation stimulus payments, state Attorney General Rob Bonta said on Monday. Explore: Your Biggest Money…

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Food Stamps Schedule: California (CalFresh) Benefits for December and Where To Get SNAP EBT Discounts

CalFresh, California's version of SNAP, provides monthly food assistance to low-income households that meet state and federal eligibility guidelines. Benefits are distributed on a monthly schedule to…

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How Much Does a Person on Social Security Make?

When you retire and start collecting Social Security benefits, the amount of monthly income you get from the program depends on a number of factors, from the amount of money you earned during your…

Tulsa is the second-largest city in the state of Oklahoma and 47th-most populous city in the United States.

7 Places Giving Away Land or Money To Move There

If you've joined the remote-work revolution, you might have the opportunity to move wherever you want for the first time in your career. Explore: GOBankingRates' Best Credit Cards for 2023Find Out: 5…

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Social Security 2023: Latest Announcements and Info To Know Now

Social Security took center stage last week when the retirement program announced that beginning in 2023, beneficiaries will see their biggest payment increase in 41 years. See: How Much Does a Person…

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5 Food Shortages That Will Impact Your Wallet This Holiday Season

It's time to stock up on staple holiday grocery items. The U.S. is facing a shortage of several food products — wheat, lettuce, butter, eggs and turkey — which could affect the price and…