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Elizabeth Blessing on Muck Rack

Elizabeth Blessing

  • Financial Writer and Editor, Freelance
  • Personal Finance Writer, Affordable Housing Tips
California
As seen in: Medium, MSN, The Startup, Yahoo Finance, Investopedia, KOMO-TV (Seattle, WA), Bankrate, WJLA-TV (Arlington, VA), Fidelity Investments, Wealth of Geeks and
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Articles

AM Best Ratings Explained: Understanding Insurance Credit Ratings

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By Elizabeth Blessing, Daniel Rathburn, Julius Mansa
| Investopedia Verified
Key Takeaways AM Best is a credit rating agency that evaluates the financial stability and creditworthiness of insurance companies globally. Founded in 1899 by Alfred M. Best, it started assessing insurers after the 1906 San Francisco earthquake. AM Best's ratings range from A++ (superior) to S (vulnerable). Investors and consumers use AM Best ratings to make informed purchase decisions relating to insurance policies and investments.
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Deficiency Balance: What It Is, How It Works, and Examples

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By Elizabeth Blessing, Diane Costagliola, Doretha Clemon
| Investopedia Verified
Key Takeaways A deficiency balance is the amount owed to a lender after collateral fails to cover the full loan balance upon sale. Deficiency balances can impact credit reports, appearing as a charge-off, settlement, or deed in lieu of foreclosure. Borrowers may negotiate settlements for a deficiency balance or face potential legal actions from lenders. The IRS may treat waived deficiency balances as earned income, affecting tax obligations.
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Budgeting Basics | Bankrate

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By Elizabeth Blessing, jane nam, Sean Jackson
| Bankrate Verified
A budget is a spending plan that helps you understand how much money you're making and where you're spending it. A budget is the cornerstone of a strong financial plan. How to budget Envelope budgeting Zero-based budget 50/30/20 rule Create a home budget Budgeting tips Bankrate offers 18 ideas for stretching your budget to save money. If your discretionary income is low, you could pay $0 on your federal student loans.
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