These editorial guidelines explain how NYTReprints researches and evaluates personal finance products. Furthermore, these editorial guidelines confirm that affiliate relationships never influence Sarah Kendall’s recommendations or review scores. However, these editorial guidelines also make clear that NYTReprints content is informational only — therefore nothing published here constitutes personalized financial advice. For official YMYL content standards see the FTC Endorsement Guidelines and the Consumer Financial Protection Bureau.

Last Updated: April 2026 · Questions? Email sarah@nytreprints.com

Editorial Guidelines

NYTReprints covers personal finance from the perspective of a Queens mother who managed a family of four on a single income in one of the most expensive cities in America. These editorial guidelines reflect that experience — practical, honest, and built for real families navigating real financial pressure.

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Independent Research

Every product evaluated on its own merits — never based on affiliate commission rates

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YMYL Compliant

All financial content follows FTC and CFPB guidelines for accuracy and disclosure

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Corrections Policy

Factual errors corrected within 48 hours and noted at the bottom of affected articles

Our Editorial Independence

NYTReprints maintains strict editorial independence from all affiliate partners. Affiliate relationships never influence:

  • Which products we cover or recommend
  • Our review scores or ratings
  • The accuracy of fee and rate disclosures we publish
  • Whether we include negative assessments of high-paying affiliate products
  • Our “Who Should NOT Use This” sections — these are always honest

We regularly recommend products that pay lower commissions — or none at all — when they genuinely serve our readers better. Additionally, we regularly include critical assessments of products that pay high affiliate commissions when those products have real drawbacks for families on tight budgets.

How We Evaluate Financial Products

Credit Cards

We evaluate based on annual fee math, reward redemption complexity, foreign transaction fees, and real-world usability for families with grocery, utility, and childcare spending. We do not accept free products or preferential rates from card issuers. Rates and terms are verified at publication and include a disclaimer to verify current offers directly with the issuer.

Banking & Savings Products

We verify APYs, minimum balances, fee structures, and FDIC/NCUA insurance status at the time of publication. All rate information includes a “rates change frequently — verify directly with the institution” disclaimer. We always link directly to the institution’s official rate page where available.

Debt Relief & Credit Repair

We are especially careful in this category. We only cover accredited organizations and always note BBB ratings, fee structures, and the credit score impact of debt settlement. We never recommend debt settlement without disclosing the tax implications and credit score consequences. Furthermore, we always link readers to the CFPB debt consolidation guidance.

Investing

We never recommend specific securities or predict market performance. All investing content includes risk disclosures and the note that past performance does not guarantee future results. We always recommend readers consult a Certified Financial Planner (CFP) before making investment decisions. Additionally, we cite SEC investor resources where relevant.

Insurance

We note that coverage, premiums, and availability vary significantly by state and individual circumstances. We do not provide quotes or personalized recommendations. All insurance content links to state insurance commissioner resources where readers can verify licensed providers in their state.

Tax & Filing

Tax content on NYTReprints is informational only — definitions, deadlines, and software comparisons. We never advise on individual tax situations. All tax content includes a recommendation to consult a CPA or enrolled agent for individual guidance. We cite IRS.gov as the authoritative source for all tax rules and deadlines.

YMYL Compliance Standards

Important: NYTReprints content falls under Google’s “Your Money or Your Life” (YMYL) guidelines. We take this designation seriously and hold our content to a higher standard of accuracy, transparency, and sourcing than general lifestyle content.

Our YMYL compliance standards include:

  • All rate and fee information includes a “verify directly with the institution” disclaimer
  • Sarah Kendall is not a licensed financial advisor, CFP, CPA, or investment professional — this is stated clearly on every relevant page
  • We cite authoritative sources including the CFPB, Federal Reserve, IRS, SEC, and FDIC where relevant
  • No paid editorial content, sponsored reviews, or advertiser-controlled content is published on NYTReprints
  • Every product review includes a “Who Should NOT Use This” section with specific persona profiles

Content Update Policy

Financial product rates, fees, and terms change frequently. Therefore we review hub pages and product reviews on a regular schedule and update the “Last Updated” date when material changes are made. Time-sensitive content such as interest rates and promotional offers is verified before publication and flagged with a recency disclaimer.

Corrections Policy

We correct factual errors promptly. If you identify an error in any NYTReprints article, email sarah@nytreprints.com with “Correction Request” in the subject line. We review all correction requests within 48 hours. Confirmed corrections are noted at the bottom of the relevant article with the date corrected. Additionally, significant corrections are noted in our email newsletter.

No Paid Editorial Content

NYTReprints does not publish paid editorial content, sponsored reviews, or advertiser-controlled content. All content is written by Sarah Kendall based on independent research. Affiliate commissions are earned only when readers click links and make purchases — they do not influence editorial decisions before or after the fact.

Editorial Questions or Concerns?

Email Sarah directly at sarah@nytreprints.com. Corrections, tips, and editorial inquiries are welcome and responded to within 48 hours.