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Emily Zhu

Credit Card, Banking, Tax and Retirement Expert

Emily Zhu writes on a variety of personal finance topics for SmartAsset. Her expertise includes retirement, credit cards, taxes and banking. She grew up in Brooklyn, but now splits her between Brooklyn and Rochester. Emily is currently studying at the University of Rochester.

Posts by Emily Zhu:

by Emily Zhu Sep 21, 2017

So you’ve decided to start working with a financial advisor. Good for you! But even after narrowing down a list of possible advisors, deciding on one can still be difficult. Wondering how to choose a financial advisor? Here are some factors to remember so you can find the best one for you. Read more

by Emily Zhu Sep 21, 2017

Managing your finances isn’t always an easy task. From budgeting to investing to retirement, it’s a lot to handle! That’s where a financial advisor can help. Financial advisors provide financial planning advice and recommendations to help you achieve your economic goals. But not all advisors will fit your needs or give you the expertise required for your unique situation. So how do you find a financial advisor? Read more

by Emily Zhu Sep 21, 2017

When it comes to planning for the future, you may not even know where to start. On top of planning for retirement, there are potential expenses like college for your children. This is where a financial plan can help. It identifies your financial goals and outlines the steps to achieve them. A concrete plan helps quell any nerves about the future and lets you work toward your goals. Read more

by Emily Zhu Sep 01, 2017

If you’re ready to create a financial plan but can’t quite do it on your own, you might need a financial advisor. But finding the right financial advisor can be a whole process on its own. When… Read more

by Emily Zhu Aug 07, 2017

Credit cards are an incredibly convenient tool, and can be particularly beneficial when they come with rewards. However, their convenience and common usage comes with the inevitability of credit card… Read more

by Emily Zhu Aug 30, 2017

If you’re struggling with paying off credit card debt, then you may want to consider credit card consolidation. Credit card consolidation allows you to merge your separate debts into one single… Read more

by Emily Zhu Oct 31, 2017

Though credit cards can come in handy, using them carries a certain amount of risk. For one, you have to focus on paying each bill in full and on time. With everything else going on in life, keeping… Read more

by Emily Zhu Jul 20, 2017

Are you thinking about applying for your first credit card? Or maybe you’re trying to repair your credit history. Either way, you’re likely to come across the term, “secured credit card.” But what is… Read more

by Emily Zhu Sep 21, 2017

Say you’re ready to make a down payment on a house. The seller asks you to bring the payment in the form of a cashier’s check. A cashier’s check is a check with guaranteed funds, with money drawn… Read more