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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Employee retention is a top priority for HR and business leaders. As our economy comes out of the Great Resignation, many leaders are looking for helpful and sustainable ways to retain employees. So, if you read nothing else, read this: The best retention strategies start the moment you hire an…
The Chase Sapphire Preferred® Card has been a long-time staff favorite at Bankrate. A no-brainer. The $95 annual fee is comparatively modest, the travel benefits are solid, and valuable transfer partners are plenty. Plus, even if you didn’t use the transfer partners, you could redeem your rewards at a respectable…
We know what you’re thinking: The used car market is crazy right now! But believe it or not, reliable used cars aren’t extinct. There are still plenty of options available—even in your price range! We’re going to walk you through the best way to buy a used car (because, trust…
Image by Getty Images; Illustration by Bankrate Key takeaways Colleges may choose to offer you a tuition waiver, which reduces your tuition, based on the information you include in your FAFSA, your GPA or other factors. Some institutions waive a portion of all out-of-state tuition for students who meet certain…
Federal student loan payments have officially started back. And maybe you’re already struggling to cover your payment every month. But what would happen if you just . . . didn’t pay? Unfortunately, ignoring your student loans will only make things way worse. Just a few things you can expect: being…
Key takeaways Cryptocurrencies are a highly volatile digital asset that can offer outsized gains — and losses. If you want to invest in crypto, you should do your research, consider volatility and never invest more than you can afford to lose. You can invest directly in crypto, but you can…
Key takeaways Popular SBA 7(a) lenders include Newtek Small Business Finance, Live Oak Bank, The Huntington National Bank and Readycap Lending. SBA 504 lenders have provided over $6 billion in funding to small businesses. SBA 7(a) and 504 lenders approved more than 76,000 small business loans combined. The Small Business…
I can’t tell you how many times I’ve spoken with a caller on The Ken Coleman Show who uttered the words, “I hate my job. What do I do?” It doesn’t matter how many times I hear that—it’s heartbreaking every single time. The unfortunate reality is 70% of Americans aren’t…
“Ugh . . . why is gas so expensive?” you yell at the sky as you cough up $50 to fill ‘er up. Thankfully we aren’t back at that all-time record high when the average price of gas hit $5.01 a gallon on June 14, 2022.1 But we were around $3.33…
Key takeaways Having $10,000 in a CD that earns a 4.30% APY would earn around $430 in interest in one year. This is more than two times the $202 you’d earn with $10,000 in a one-year CD that earns the approximate national average of 2.02 percent APY. Meanwhile, large brick-and-mortar…
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