Practical Money Tricks That Lead to Real Treats Getting out of debt doesn’t happen overnight, but small, consistent actions can help you regain confidence and control. Here are a few tried-and-true strategies: Budget like a pro: Track every dollar for a month to see where your money really goes. Focus…
Key takeaways Credit unions typically offer better rates on savings and lower rates on loans compared to traditional banks. Membership is required and may have specific eligibility requirements based on location, employer or affiliation. Your deposits are federally insured up to $250,000, just like at banks, providing the same level…
Key takeaways A home equity line of credit (HELOC) on an investment property is a loan taken out against a piece of real estate that generates income or a financial return. Lenders will consider both the borrower’s creditworthiness and the property’s financials when evaluating an investment property HELOC application. These…
Key takeaways While your home’s value is determined by many factors, some home improvements could help increase its worth. There are multiple ways to pay for upgrades, including cash-out refinancing, a home equity loan or home improvement loan. If you plan to sell your home, it’s important to determine not…
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The nation’s 75 million Social Security recipients will receive a 2.8% cost of living adjustment (COLA) increase in their benefits…
Historically Black colleges and universities are on the frontlines of the One Big Beautiful Bill Act’s new limits on parent…
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…
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Images by GettyImages; Illustration by Hunter Newton/Bankrate Key takeaways A debt consolidation loan replaces multiple streams of debt with one new loan at a fixed rate and monthly payment. A personal loan for debt consolidation is typically a fast and simple way to consolidate all…
Dept Managmnt
The decision of which debt to start paying off first is a personal one, but starting with high-interest debt is generally considered the…
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Lawrence Golub, billionaire founder and CEO of private credit firm Golub Capital, emphatically dismissed fears that the rapid growth of private credit, specifically…
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Alliant Credit Union, Ally Bank, Amerant Bank, America First Credit Union, American Airlines Federal Credit Union, American Express National Bank, Apple Bank, Arvest Bank, Axos Bank, Banesco USA, Bank of America, Bank of Hope, Bank5 Connect, BankPurely, BankUnited Direct, Barclays Bank, Bask Bank, BMO Alto, BMO Bank, Boeing Employees’ Credit…
Key takeaways If you die earlier than expected as a life-only annuity policyholder, you could risk failing to recoup your premium payments to the insurance company. You can mitigate this risk by adding things like death or survivor benefits to your annuity at the start of the contract. Make sure…
The S&P 500 index has long been one of the most effective wealth-building tools for everyday investors, compounding steadily over the past decade. While it hadn’t enjoyed the jaw-dropping performance of a single breakout stock like Nvidia (NVDA), the index has delivered steady growth — making it one of the simplest…
On Sept. 17, 2025, the Federal Reserve’s Federal Open Market Committee is likely to lower its benchmark interest rate, the federal funds rate, by 25 basis points (a quarter of a percentage point). Assuming that happens, it will be the first change to the federal funds rate in 2025. Inflation…
If you’ve ever stood in the checkout line at a brick-and-mortar retailer and been offered a discount on your purchase by applying for a credit card, the cashier was trying to sell you on a retail card. One version of retail credit cards are store credit cards, which are only…
While the average credit card interest rate has dropped slightly and experts muse about Fed rate cuts this fall, there’s one metric we can count on — astronomical retail card interest rates. The 2025 Bankrate Retail Cards Study reveals the average retail card APR remains above 30 percent, which is…
Almost one year ago, the U.S. economy looked like it was teetering on the edge of a recession. Hiring was faltering, unemployment was rising and annual revisions to employment tallies showed that the job market was in worse condition than previously estimated. Realizing the economy wasn’t as strong as they…
Key takeaways When it comes to earning cash back on popular spending categories, such as dining and travel, the Capital One Savor Cash Rewards Credit Card and the Chase Freedom Unlimited® are both strong choices. The Capital One Savor Cash Rewards Credit Card could be a better long-term fit for…
Key takeaways Discover it® Chrome offers solid first-year value with its unlimited Cashback Match program. The card earns 2 percent cash back at gas stations and restaurants (on up to $1,000 in combined purchases each quarter, then 1 percent), and 1 percent cash back on everything else. You can redeem…
Key takeaways Wyndham Rewards members can earn points by staying at Wyndham properties, shopping with Wyndham partners, making purchases with an eligible hotel credit card and more. Members can redeem points for things like free and discounted stays at Wyndham locations around the world, transfers to airline partners, local tours…
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