Pensions and 403(b) plans represent two distinct ways to save for retirement, each with its own structure and advantages. A pension provides a predictable income stream in retirement, usually funded and managed by an employer. A 403(b), on the other hand, relies on employee contributions and investment growth, giving individuals…
When you think about estate planning, wills, trusts and life insurance usually top the list. But annuities deserve a spot in the conversation, too. Beyond providing reliable income in retirement, annuities can ensure your spouse keeps receiving steady checks, transfer wealth to heirs and help sidestep probate. Still, annuities come…
By your 60s, most of your retirement foundation is already in place. While you may still have a few years to save, building significant new wealth is less likely unless you continue working during retirement. This stage typically shifts focus to taxes, withdrawals, Social Security and budgeting. To help you…
Getty Images / Win McNamee / Staff Key takeaways The Federal Reserve’s September rate cut is likely the beginning of lower yields on CDs and other deposit accounts. Locking in a CD now can secure today’s higher rates, which are still outpacing inflation. Don’t rush to put money into a…
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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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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…
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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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Floridians are no strangers to hurricanes. For six months every year, Florida homeowners buckle down for high winds, possible flooding, heavy rains and rip currents. Hurricanes can be destructive, and knowing how your home insurance financially protects your home is an essential part of hurricane prep. Bankrate’s editorial rounded up…
Stocks have experienced a wild 2025, plunging following President Donald Trump’s tariff announcement in April, but have since surged to new highs. Still, persistent inflation and geopolitical strife have kept investors on edge. At the center of that storm has been Fed Chair Jerome Powell, whose tenure has been marked…
Warren Buffett is arguably the greatest investor of all time and has compounded his money at such a high rate that he’s now the ninth-richest person in the world, with a net worth of $144 billion, according to Bloomberg. Buffett is unique among the world’s wealthy in that he amassed…
Investment analysts expect the yield on the bellwether 10-year Treasury note to fall from current levels a year from now, according to Bankrate’s Second-Quarter Market Mavens Survey. Market watchers expect the yield on the 10-year to fall to 4.18 percent, from 4.28 percent at the end of the survey period…
Stocks have seen wild swings in the first half of 2025, with shares falling sharply after the Trump administration announced new tariffs in April before recovering to reach new highs in June. The S&P 500 has risen about 6 percent this year as of early July. Analysts surveyed in Bankrate’s…
Manhattan-based nurse Vivian Ezugwu has lived in New York City her whole life, and is well-aware that living in the Big Apple doesn’t come cheaply – which is one of the reasons she’s taking on extra shifts as a school nurse in addition to her regular night shifts at the…
Manhattan-based nurse Vivian Ezugwu has lived in New York City her whole life, and is well-aware that living in the Big Apple doesn’t come cheaply – which is one of the reasons she’s taking on extra shifts as a school nurse in addition to her regular night shifts at the…
Key takeaways Refinancing replaces your current mortgage with a new one, adjusting the rate, term or both. With refinancing, you can change the loan type and your lender. To refinance a mortgage, you’ll pay between 2 and 6 percent of the loan amount in closing costs, so if you’re refinancing…
Nastasic/Getty Images: Illustration by Issiah Davis/Bankrate Key takeaways The Ink Business Premier® Credit Card is a solid option for small business owners who want to earn cash back on their purchases. The card charges a $195 annual fee, but you’ll get perks like access to Chase’s Flex for…
Key takeaways With Amazon’s Prime Day event here, it makes sense to have a credit card rewards strategy in place. Not only does the Prime Visa come with no annual fee for Amazon Prime members, but it offers 5 percent back at Amazon.com and Whole Foods all year long. Other…
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