Articles by Ben Luthi

Ben Luthi is a freelance writer who is passionate about personal finance. He has experience writing about credit cards, consumer credit, debt, insurance, and more. Education: B.S. in Business Management from Brigham Young University.

How Your C.L.U.E. Report Affects Your Home and Car Insurance Premiums Photo of Ben Luthi Ben Luthi How Your C.L.U.E. Report Affects Your Home and Car Insurance Premiums You might wonder how your insurance premiums are determined. Well, one thing... Do You Really Need Renter's Insurance? Find out whether you really need to pay for renter's insurance by understanding how it works, what is covered, how much it costs, and where to purchase it. No Retirement Savings at Age 30? How to Get Started Learn the steps that you should take now if you‘re 30 years of age and have no retirement savings at all. Find out what types of financial accounts you should get to establish an investment portfolio that will grow until you reach retirement age and after. What is a Zero-Based Budget? Photo of Ben Luthi Ben Luthi What is a Zero-Based Budget? Creating a budget is one of the best things you can do for your financial... What to Do When You’re Age 40 With No Retirement Savings Photo of Ben Luthi Ben Luthi What to Do When You’re Age 40 With No Retirement Savings The sooner you start saving for retirement, the better. The power of... How to Automate Your Entire Financial Life Learn how you can automate your financial life by setting up your bank accounts, bills, retirement savings, and investments to work for themselves. Should You Consider a Safe Box For Your Home? Find out whether you should consider buying a safe for your home to protect your non-monetary items that are of great value, including jewelry and documents. Capital One Miles Transfer Program: Which Airlines Partners Offer the Best Travel Rewards? Photo of Ben Luthi Ben Luthi Capital One Miles Transfer Program: Which Airlines Partners Offer the Best Travel Rewards? Since December 2018, Capital One credit card holders have had the option to... What Are Credit Card Convenience Fees and How Can You Avoid Them? Photo of Ben Luthi Ben Luthi What Are Credit Card Convenience Fees and How Can You Avoid Them? If you’re trying to maximize your credit card rewards, you might have tried to pay... Index Funds vs. ETFs vs. Target-Date Funds: Build a Diversified Investment Portfolio Learn the differences between index funds, exchange-traded funds, and target-date funds before you pick the one that is best for your investment portfolio. Find out how each of them work and match them to how you'd like to invest. Compare their fees, transaction processes, and tax efficiencies.