The appeal of the best dividend mutual funds should be clear: They offer a sizable dividend today, and they can grow in the future, helping investors win both ways. Plus, they offer other benefits, including lower risk through diversification. So the best dividend mutual funds are an attractive prospect for…
The IRS mandates withdrawals from pre-tax retirement accounts once you reach a certain age. These are referred to as required minimum distributions (RMDs). For many retirees, RMDs don’t change much since they already take out more than the minimum to cover living costs. But, for those who want to withdraw…
Cash may no longer be king these days, thanks to the convenience of electronic payments, although you might occasionally want some bucks to slip into a birthday card or tip a driver. Accessing your money keeps getting more expensive, however, if you’re using out-of-network ATMs. In fact, the average total…
You have money questions. Bankrate has answers. Our experts have been helping you master your money for over four decades. We continually strive to provide consumers with the expert advice and tools needed to succeed throughout life’s financial journey. Bankrate follows a strict editorial policy, so you can trust that…
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Key takeaways Financial literacy is the ability to handle everyday money basics — budgeting, paying bills on time, building a starter cushion and using credit responsibly. Financial fluency is a step beyond literacy: You understand financial concepts well enough to solve problems and deliberately use…
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Is this method of consolidating debts a good idea? If you are considering using a credit card as a debt consolidation option here…
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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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Key takeaways Community banks are locally-owned institutions with less than $10 billion in assets that focus on serving specific neighborhoods and building customer relationships. Community banks reported strong performance in Q2 2025 with $7.6 billion in quarterly net income, up 12.5% from the prior quarter. Fees for overdrafts and non-sufficient…
Key takeaways Using a matching tool, asking a friend or working with a robo-advisor are all options to find an advisor. Vet potential advisors through referrals, online tools and professional organizations. Clarify your needs before choosing a financial advisor to find the best fit for you. Finding a financial advisor…
Photography by Getty Images Key takeaways When comparing the Discover it® Secured Credit Card vs. Capital One Platinum Secured Credit Card, the best option comes down to whether you have a limited budget and need to establish a line of credit or have more cash to spare for a security…
Key takeaways A routing number is a nine-digit code that identifies your bank for electronic transactions like direct deposits, wire transfers and ACH payments. You can find your routing number on the bottom left of paper checks, in your mobile banking app or by calling your bank. Large banks…
Klaus Vedfelt/GettyImages Taxpayers can soon take advantage of a new federal tax credit of up to $1,700 for donations to scholarship-granting organizations (SGOs) — nonprofit groups that use contributions to fund scholarships for students to attend qualified private schools of their choice. The new credit is part of the One…
Images by Getty Images; Illustration by Issiah Davis/Bankrate Key takeaways A certificate of deposit (CD) is a savings account that locks your money for a fixed term in exchange for a guaranteed interest rate. CD terms typically range from 3 months to 5 years, with longer terms generally offering higher…
You have money questions. Bankrate has answers. Our experts have been helping you master your money for over four decades. We continually strive to provide consumers with the expert advice and tools needed to succeed throughout life’s financial journey. Bankrate follows a strict editorial policy, so you can trust that…
Key takeaways CD investing offers a guaranteed return. When CDs are issued from federally insured banks and credit unions, your money is protected, up to a certain amount, should the financial institution fail. If you want access to your money right away, or you only have a little bit of…
Image by GettyImages; Illustration by Bankrate Both HELOCs and home equity loans took a step down in the latest week. The average rate on a $30,000 home equity line of credit (HELOC) dropped two basis points to 8.10 percent, according to Bankrate’s national survey of lenders. The average rate on…
Image by GettyImages; illustration by Bankrate Key takeaways If you’re collecting unemployment benefits, the IRS will expect you to pay your current federal income tax rate on that money. Some states also tax unemployment compensation, while other states don’t. There are ways to plan your taxes so you don’t face…
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