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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Propaganda I’m not falling for: Prime Day. Amazon’s annual bonanza is July 8-11, 2025, but I won’t be adding anything to my cart. In general, I don’t believe in spending more to save more. Plus, the company is often steeped in controversy around its labor practices and environmental impact, as…
Key takeaways The BankAmericard® credit card and the Wells Fargo Reflect® Card are both good options for those looking for a low intro APR credit card with a lengthy introductory period. The BankAmericard credit card has a lower balance transfer fee than the Wells Fargo Reflect Card, but it also…
In 1971, George Lucas released his first feature-length movie, the Baltimore Colts won Super Bowl V and the average 30-year mortgage rate was 7.54 percent. That rate is pretty close to what we’re seeing today. Home prices back then, not so much. In 1971, the typical home sale price averaged…
The U.S. Bank Visa® Platinum Card is no longer taking new applicants as of March 2025, although existing cardholders can still use the card. Citi is an advertising partner. Key takeaways The Citi Simplicity® Card and U.S. Bank Visa® Platinum Card both offer a strong introductory APR for balance transfers,…
Isabella Antonelli/ EyeEm/Getty Images Key takeaways The Capital One Quicksilver Student Cash Rewards Credit Card offers a 1.5 percent cash back rate on all purchases and 5 percent back on hotels and rental cars booked through Capital One Travel. Cardholders can easily redeem their rewards for statement credits, checks, gift…
Key takeaways Temporary car insurance is not typically sold by insurance companies, but there are options for short-term coverage, such as rental car insurance, being added as a listed driver and storage plans. Traditional auto insurance policies can be used temporarily by canceling or switching to a storage plan, but…
Home equity sounds like a pretty straightforward concept: it’s the portion of your home you truly own, free and clear of debt. However, when it comes to understanding concepts like how home equity grows, the differences between home equity products, or how much equity you can borrow against – people…
South_agency/Getty Images Key takeaways The Citi Rewards+® Card* can be a worthwhile everyday card since it offers bonus rewards on supermarket and gas station spending (terms apply). This card also offers a round-up points feature and an annual points redemption bonus, helping you to earn even more rewards. Other card…
Moyo Studio/GettyImages; Illustration by Hunter Newton/Bankrate Key takeaways Most personal loan lenders require documents to prove your identity, income, bank account and address. Lenders collect information about your credit score, loan purpose and monthly expenses to determine your eligibility and loan terms. Gathering all necessary documents and information before applying…
You can find advice about anything pretty much anywhere on the internet, especially if you need to learn about investing. The only problem is, not all of it is accurate or helpful, especially if it’s from a random thread on Reddit. Sure, Reddit can be a great place to learn…
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