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Editorial still life contrasting a credit freeze and a credit lock: a printed credit report on a slate desk with a brushed-steel padlock resting on one half and a thin layer of frost and ice crystals covering the other half

Finance· Cover№ 297

Credit Freeze vs Credit Lock: The Bureaus Sell a Subscription for What the Law Gives You Free

TransUnion discontinued its own credit lock in 2025 and now offers a button that converts your lock into a freeze. The freeze wins on cost, coverage, and legal standing. Here is why the comparison stopped being close.

Marcus Williams·7 min

§ 02The Latest

Low-angle photo of a modern multi-story apartment building with balconies and large windows against a clear sky, the kind of mid-market rental building where the Bilt Alliance network integration decides whether a rewards card on rent makes sense

FINANCE · KINJA

Finance№ 272

The Best Credit Card for Rent Payments in 2026 Costs $0

Marcus Williams·11 min

Single-family home in an Orlando, Florida neighborhood, the kind of primary residence the Save Our Homes assessment cap and DR-501T portability form apply to

FINANCE · KINJA

Finance№ 252

The Florida Homestead Exemption Portability Rules Save You More Than the Exemption Itself

Marcus Williams·9 min

Skyscrapers and palm trees on Brickell Key in Miami's financial district, where most of Florida's self-employed earners work without state or workers'-comp safety nets

FINANCE · KINJA

Finance№ 251

Disability Insurance for Self Employed in Florida Is the Only Safety Net That Actually Pays

Marcus Williams·9 min

Rows of pre-1974 New York City walk-up apartment buildings with fire escapes in the East Village, the rent-stabilized housing stock that no rewards platform integrates with

FINANCE · KINJA

Finance№ 250

The Best Credit Card for Rent Payments in New York in 2026 Is Bilt, If Your Landlord Plays Along

Marcus Williams·9 min

Downtown Cleveland skyline along the Lake Erie waterfront, the home turf of Ohio's largest mortgage lenders

FINANCE · KINJA

Finance№ 249

The Best Mortgage Lender for Self-Employed in Ohio Isn't a Bank

Marcus Williams·9 min

Street lined with attached brick row houses and parked cars, the residential housing stock the Good Neighbor Next Door program was designed around

FINANCE · KINJA

Finance№ 221

The Good Neighbor Next Door Program Works in Maryland and Almost Nowhere in Florida

Marcus Williams·9 min

Glass jar filled with coins and a small plant growing from it, representing savings growth

FINANCE · KINJA

Finance№ 142

Roth IRA vs. Traditional IRA: One of Them Is Almost Always the Better Choice

Marcus Williams·13 min

Lush green golf course fairway with trees in the background

FINANCE · KINJA

Finance№ 129

Augusta Homeowners Make More During Masters Week Than Most Americans Earn in Three Months

Marcus Williams·9 min

Glass jar labeled retirement savings with coins inside

FINANCE · KINJA

Finance№ 92

The Roth IRA Is the Best Retirement Account Most People Aren't Using. Here Are the Rules.

Marcus Williams·10 min

Entrepreneur working late with multiple computer screens

FINANCE · KINJA

Finance№ 77

Most Side Hustle Advice Is Garbage. Here's What Actually Works in 2026.

David Okonkwo·11 min

Financial growth chart showing upward trend

FINANCE · KINJA

Finance№ 56

Your Savings Account Pays 0.39%. These Pay 4-5%. Stop Leaving Free Money on the Table.

Marcus Williams·13 min

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