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.

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 Photo of Krista Baum Krista Baum In Your 20s With a Large Inheritance? How to Manage Your Extra Money If you receive a large inheritance in your 20s, it's easy for this windfall to be... College Grads With Your First Jobs: How to Set Up Your Finances Photo of Krista Baum Krista Baum College Grads With Your First Jobs: How to Set Up Your Finances Now that you’ve graduated college and landed a job, you can sit back and relax —... How to Invest for Retirement on a $30,000 Salary With the median U.S. salary at around $30,000, learn how you can still save for retirement and invest in a portfolio that will grow for many years to come. Find out how to set up your finances, especially by choosing the right accounts, to get yourself started on retirement savings even if you have low income. 7 Ways to Work Around Bank of America's No-Cash Deposits Policy Learn about the Bank of America policy that bans cash deposits into a Bank of America account of which you are not a customer. Find out what other options you have available if you are trying to deposit cash into another customer's Bank of America account. 8 Ways Around the Wells Fargo No-Cash Deposits Rule Photo of Krista Baum Krista Baum 8 Ways Around the Wells Fargo No-Cash Deposits Rule Wells Fargo customers may run into a new rule that they might consider to be... Why You No Longer Need to Sign for Credit Card Purchases Photo of Krista Baum Krista Baum Why You No Longer Need to Sign for Credit Card Purchases Using your credit or debit card just got a little easier. Visa, MasterCard,... Should You Make Extra Payments Toward Mortgage or Invest the Money? Compare the pros and cons of using extra cash towards your mortgage or your investment portfolio to determine which option is better for your finances. Toys R Us Bankruptcy: What Will Happen to Your Credit Card? Find out what will happen to the Toys R Us store credit cards after the toy retailer completes bankruptcy and closes down its stores. Learn how your credit score is calculated and how it is affected when your Toys R Us card is closed. See what you can do to counteract any negative impact on your credit.