Articles by Krista Baum

Krista is a freelance writer with extensive financial experience from holding management-level positions at financial institutions in New York. She still works in the financial industry with a focus on risk assessments, project management, and financial crime compliance. Krista has contributed to sites including AOL.com and The Huffington Post. Education: B.S. in Hospitality and Tourism Management from Virginia Tech.

Overdraft Fees: Different Types, Explained & Compared Photo of Krista Baum Krista Baum Overdraft Fees: Different Types, Explained & Compared Managing finances is easier than ever with banks offering online and mobile... Emergency Fund Calculator: Find Out Your Ideal Safety Net Find out how much money you should keep in an emergency fund, based on your monthly essential living expenses, to help survive unexpected expenses. In Your 20s With a Large Inheritance? How to Manage Your Extra Money Follow this guide when you're young and come across a large sum of money from a windfall, such as a sizable inheritance. Find out what steps you should take to ensure that your finances are set up correctly to avoid spending all the money on useless things. Learn where to deposit your money and how to invest it. How to Invest for Retirement on a $30,000 Salary Photo of Krista Baum Krista Baum How to Invest for Retirement on a $30,000 Salary Everyone knows they should be saving for retirement. But, what if you only make... 7 Ways to Work Around Bank of America's No-Cash Deposits Policy Photo of Krista Baum Krista Baum 7 Ways to Work Around Bank of America's No-Cash Deposits Policy It’s no secret that online banking and innovative technology are changing the way... 8 Ways Around the Wells Fargo No-Cash Deposits Rule A rule by Wells Fargo to ban all cash deposits made to another customer's accounts may prove to be an inconvenience. Learn what you can do if you still need to deposit cash into someone else's Wells Fargo checking or savings account. Why You No Longer Need to Sign for Credit Card Purchases Credit card issuers are no longer requiring card customers to provide a signature on a purchase receipt in order to verify a point-of-sale transaction. Find out what the exact rules are for each of the four major U.S. card networks - Visa, MasterCard, Discover, and American Express. Learn what this means for you in the future. Should You Make Extra Payments Toward Mortgage or Invest the Money? Photo of Krista Baum Krista Baum Should You Make Extra Payments Toward Mortgage or Invest the Money? Americans have a lot of debt. According to the New York Fed, outstanding... Toys R Us Bankruptcy: What Will Happen to Your Credit Card? Photo of Krista Baum Krista Baum Toys R Us Bankruptcy: What Will Happen to Your Credit Card? With a catchy commercial jingle and iconic Geoffrey the Giraffe mascot, Toys R Us is...