Illustration by Bankrate / Photo by Getty The gender pay gap isn’t closing anytime soon, especially for women of color. Black and Hispanic women earn the least compared with men, and a Bankrate analysis of the latest income data from the Census shows it could take generations for their pay…
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…
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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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Key takeaways Unsecured business loans don’t require you to back the loan with valuable assets Making on-time payments and building payments into your budget can help you effectively manage the unsecured business loan If you’re struggling to make repayments, talk to your lender and consider…
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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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The fundamental flaws in the way the Federal Reserve operates these days were on full display Wednesday when Jerome Powell talked to the…
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Franek Strzeszewski/Getty Images Key takeaways Capital One offers referral bonuses for cardholders who get their friends and family to apply for their own cards. While there is no limit to how many referrals you can make, there is a limit to how much you can earn from referrals per year…
Key takeaways Credit card shopping portals are offered through most of the major card issuers, and some airlines have dedicated portals of their own. An online shopping portal can help you ‘stack’ more cash back or points with the rewards you’re already earning with a credit card. To use an…
Key takeaways To refinance your mortgage with a bad credit score, check with your current lender to start since you already have an established relationship with it. You can also explore government-backed loan options to refinance with bad credit, such as an FHA loan or VA loan, as long as…
Photography by Getty Images Key takeaways Balance transfer cards can be a helpful financial tool for paying off credit card debt or an expensive purchase over time without incurring interest charges. The U.S. Bank Shield™ Visa® Card* offers a cellphone protection benefit, not commonly found with this type of card,…
MoMo Productions/Getty Images Key takeaways Certificates of deposit (CDs), savings and money market accounts all earn interest while keeping your money safe at federally insured banks and credit unions, but they differ in flexibility and access. Savings and money market accounts work best for short- to medium-term goals, since you…
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…
Images by GettyImages; Illustration by Hunter Newton/Bankrate Key takeaways A no-down-payment mortgage allows you to finance 100 percent of your home, but you’ll likely still have to pay closing costs — or roll them into your mortgage. VA loans and USDA loans don’t typically require a down payment. If you…
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 tools like credit, refinancing and…
Key takeaways Annuities provide steady income and can complement Social Security and pensions in retirement. Each annuity type has trade-offs, so it’s important to understand the pros and cons of fixed, variable and indexed annuities before choosing. Customization adds costs. Riders like death benefits or long-term care coverage can make…
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