When the Federal Reserve cuts interest rates even by just 0.25%, it will have a direct impact on your finances. While a quarter of a percent may sound small, even slight changes in rates can ripple through the economy affecting everything from credit card payments to mortgage rates (more on…
Life throws curveballs. And often those curveballs mean you’re spending your hard-earned savings or you’re borrowing money instead. It can feel like a catch-22: Creating savings should help you avoid costly borrowing, but spending it equals losing it and going back to square one. So what is a saver to…
We’re heading into the final months of the year, which makes this the ideal time to lower your 2025 tax bill. Financial moves you make before year-end can reduce your taxable income, trim what you owe the IRS and put more money back in your pocket come tax-filing season. Here…
Key takeaways The Delta SkyMiles® Gold American Express Card is a solid option for frequent Delta customers, but the $150 annual fee (waived the first year) might be a bit steep for some. This card earns 2X miles at U.S. supermarkets, at restaurants (including takeout and delivery in the U.S.)…
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The big new fees JPMorgan Chase is planning to charge some financial technology companies may well trickle down to consumers,…
With artificial intelligence beginning to eat away at many white-collar entry-level jobs, and the unemployment rate for recent college graduates…
If a society is going to make intelligent choices in policy, it helps to understand reality, which includes facts and…
New York startup Casap has raised $25 million in new funding to help banks tackle the thorny problem of credit…
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Image by GettyImages; Illustration by Hunter Newton/Bankrate Key takeaways There are no specific income requirements to qualify for a mortgage — but mortgage lenders do evaluate whether you make enough to repay the amount you want to borrow. To determine if you’ll qualify, mortgage lenders…
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Key takeaways A divorce decree outlines which spouse is legally responsible for each debt after the divorce is completed. States either have community…
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When it comes to selling coconut water to the health obsessed, New York’s Vita Coco has served up a master class, schooling even…
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We all have 24 hours in a day. And after the hours we spend sleeping, the biggest chunk of our day is spent working—eight hours every weekday and another five or so on the weekend.1 Imagine if all that time at work felt like being trapped in a soul-sucking pit filled…
Image by Getty Images; Illustration by Bankrate Key takeaways Knowing your student loan balance is the first step in making a plan to pay it off. Where you check your loan balance can differ depending on the type of student loans you have. For private loans, check with your lender…
Did you know that if you had $1 million in dollar bills, it would literally weigh a ton and take you about 12 days to count it all? No matter how you slice it, that’s a lot of money! For a long time, a $1 million nest egg was the…
Remember the day you got accepted into college? Your bright-eyed younger self couldn’t wait to take on the world. So, when you signed up for a student loan, you didn’t look too closely at the fine print. (If you’re like me, you were more concerned about making sure there was…
Image & Illustration by Bankrate Key takeaways Assessed value is determined by the local government and is most often used to determine how much you pay in property taxes. Appraised value is done by an independent appraiser and is most often used during the mortgage approval process. Typically, appraised values…
Key takeaways If you decide to cash out your settlement all at once, you won’t receive all the funds you’re entitled to. The amount you lose will depend on the settlement buyer. Cashing out a settlement all at once, while it does come with significant disadvantages, can bring peace of…
3. Cut back your spending. Remember how I said paying off my student loans took some sacrifice? Here’s where it comes into play. Look at your lifestyle. What extra stuff have you been paying for that you can do without? Bye bye, cable package. See ya, bougie subscription boxes. Ditch…
Key takeaways Some states offer up to thousands of dollars of student loan repayment assistance to new residents. Eligibility requirements for these programs vary, so read the fine print carefully before relocating. Don’t forget to research student loan forgiveness programs in your own city or state. Federal student loans may…
Student loan forgiveness scams are the worst. It’s bad enough you’ve got student loans you need to pay off. Now, you’ve also got to watch out for scumbags trying to pull one over on you. But you don’t have to fall for it! The sooner you can recognize student loan…
Homeowners considering tapping their property’s equity can choose between two products: home equity loans and home equity lines of credit (HELOCs). Both have their pros and cons, but lately, the loans have gotten more popular than their credit line cousins. Home equity loan originations jumped 13 percent year-over-year – their…
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