Key takeaways Avoid taking out a longer or larger personal loan than you need. This will help you to avoid spending more money on interest than is necessary. Shopping around for the best offer will help you to ensure you get the best rate and the lowest fees. Consider your…
Key takeaways Couples who share expenses can consider a joint bank account to track spending but should understand the pros and cons before opening one. Joint savings accounts can be helpful to save for shared goals or a shared emergency fund. There are downsides to joint accounts, such as the…
Key takeaways With debt forgiveness, creditors pardon some or all of your debt. Various types of debt may qualify for forgiveness. Debt forgiveness can offer relief from overwhelming financial burdens, but it does have downsides. Debt forgiveness is only one option for managing difficulties with repayment. Struggling with debt can…
Personalization is a hot topic in the marketing world. This is playing out in the credit card space in multiple ways. Here’s what you need to know, and how you can use this trend to your advantage. Have a question about credit cards? E-mail me at [email protected] and I’d be…
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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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Key takeaways Your student loans could come due while you’re still in school if you drop below part-time enrollment or choose certain repayment plans. Your grades can affect your eligibility for federal student loans as well as some types of student loans. If you are…
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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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Frazao Studio Latino/Getty Images The Roth IRA is a unique type of investment account that offers every future retiree’s dream — the prospect of tax-free income after reaching retirement age. Like any retirement account, however — and really, anything that has to do with the Internal Revenue Service (IRS) —…
Ahead of its next interest rate decision on June 18, Federal Open Market Committee members are now in a blackout period. This limits public comments on monetary policy. Recent speeches suggest that June’s meeting will result in holding rates at their current 4.25% to 4.5% level. The CME FedWatch Tool,…
Small businesses are the engine of the American economy. They are often the first to innovate, the fastest to adapt, and the most determined to persevere through change. In moments of uncertainty, they continue to move forward not because conditions are perfect, but because resilience is embedded in their DNA.…
If you are in the market for a new car, you may be torn between getting a loan and paying cash. While getting a loan could mean driving off the lot in the car of your dreams, you will be stuck making payments for some time. However, using cash to…
Prominent attorney David Boies and his firm Boies Schiller Flexner filed three lawsuits this week alleging that at least five companies handling payouts for class action settlements conspired to secretly pocket bank interest payments and award each other business outside the view of attorneys and judges. The suit says the…
Key takeaways Preapproval will help you get the best rate available and give you leverage to negotiate at the dealership. Consider the overall cost of an auto loan in addition to the monthly payment — and don’t clue the dealership salesperson in on your budget too early. Shop around with…
The federal government is continuing to do what it has done for decades; spending more than it collects. Though this may not be surprising, it should be alarming. Why? Because as the national debt continues to rise, the government will be required to pay more and more of its revenue…
Wall Street’s top watchdog, the Financial Industry Regulatory Authority (FINRA), faces a pivotal moment amid converging legislative and legal challenges that could potentially reshape the future regulatory landscape. The regulator notched a win on Monday, however, as the Supreme Court declined to hear a penny stock broker’s legal challenge to…
Key takeaways Bad credit loans are offered by banks, credit unions, online lenders and dealerships. Shop around to find the best deal on an auto loan for your budget and credit score. If approved, an auto loan can help improve your credit — provided you keep up with the loan…
Images by Getty Images; Illustration by Bankrate Stablecoins are a type of cryptocurrency specifically designed to maintain their price over time, usually by being pegged to the U.S. dollar. Tether (USDT) and USD Coin (USDC) are just two of the most popular types of stablecoins, but they vary in a…
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