Credit Cards Explained, Surprising Tax Breaks, Save on Heating

How Do Credit Cards Work? APR, Interest and Fees Explained | 15 Believe it or Not Tax Breaks | 8 Ways to Lower Your Heating Costs Created for {EMAIL} | [Web Version]( January 11, 2023 CONNECT WITH KIPLINGER  [LinkedIn]( [Facebook]( [Twitter]( [Instagram ]( [Youtube]( [SIGN UP]( ⋅ [WEBSITE]( [] Top Story [] [How Do Credit Cards Work? APR, Interest and Fees Explained]( [How Do Credit Cards Work? APR, Interest and Fees Explained]( (Getty Images) Credit cards can be a [valuable addition to your wallet](, as long as you know how to use them. [5 Tips to Withdraw From Investments Wisely]( Withdrawing from your investments in the right order could help save you years worth of income in unnecessary taxes. The wrong order could potentially eat into your retirement nest egg. Work to enhance your financial future with these 5 tips. [READ MORE]( ADVERTISEMENT [] Taxes [] [15 Believe it or Not Tax Breaks]( [15 Believe it or Not Tax Breaks]( (Getty Images) Your fellow taxpayers have successfully claimed [write-offs you can't even imagine](. [] Personal Finance [] [8 Ways to Lower Your Heating Costs]( [8 Ways to Lower Your Heating Costs]( (Getty Images) Key steps you can take year-round to [offset rising utility bills]( in the colder months. [Vanguard Advice to Help Maximize Your Income in Retirement]( Vanguard Personal Advisor Services® is built to provide you an ongoing collaboration with our professional advisors - no matter where you are. Our advisors are salaried and don't earn commissions, so they'll always put your best interests first.[Take the first step with Vanguard today]( ADVERTISEMENT [] Also on Kiplinger [] - Who controls [gas prices]( in the U.S.? - [5 military benefits]( that vets might not know they've earned - [IRS audits](: Are 87,000 agents coming for your tax dollars? - For the latest ways to earn 5% to 7% cash yield safely and reliably, plus 4 Model Portfolios to show you exactly where to put your money, bank on [Kiplinger's Investing for Income](. ABOUT KIPLINGER When we write about money, we get it right. So the decisions you make with your dollars are also right. Since 1920, Kiplinger has earned a reputation as a trusted provider of unbiased financial advice, objective business and economic forecasts, and practical help to millions of business professionals, investors, and individuals seeking to make more profitable decisions with their money. Our [flagship publications]( include Kiplinger’s Personal Finance magazine, The Kiplinger Letter, The Kiplinger Tax Letter, Kiplinger’s Retirement Report, and Kiplinger’s Investing for Income. All are regarded as the leading publications in their respective fields. Every day, millions of readers rely on our [free e-newsletters]( and [podcasts]( for help on everything from getting the best rate on a mortgage or car loan, to managing their businesses in an uncertain world, avoiding an IRS audit, building wealth for a secure retirement, or investing wisely in any kind of market. Now it’s your turn to reap all the rewards Kiplinger has to offer. Visit [Kiplinger.com](, your gateway to all of the above and much more. Check in any time for our latest advice on how to make more money, and keep more of the money you make. Stay right on the money, with Kiplinger. [Sign Up]( | [Print Publications]( | [Unsubscribe]( [Privacy Policy]( | [Cookies Policy]( | [Terms and Conditions]( CONTACT US: [FEEDBACK](concat('mailto:',$brief_feedback_email)) | [ADVERTISE]( Future US LLC © Full 7th Floor, 130 West 42nd Street, New York, NY, 10036