Key takeaways Building credit can be daunting, especially if you’ve had bumps in your credit history. You can use AI to help you understand and spot errors on your credit report, negotiate and repay debt and improve your credit score. Once you have good or excellent credit, you’re more likely…
Image by PM Images/Getty Images; Illustration by Hunter Newton/Bankrate Mortgage rates fell this week, with the 30-year fixed rate averaging 6.38 percent, compared to 6.55 percent the previous week, according to Bankrate’s latest lender survey. Current mortgage rates Loan type Current 4 weeks ago One year ago 52-week average 52-week…
Image by GettyImages; Illustration by Bankrate Last week’s HELOC spike was short-lived. The average rate on a $30,000 home equity line of credit fell 80 basis points to 8.10 percent, back to the level it was two weeks prior, according to Bankrate’s national survey of lenders. The rise and fall…
Key takeaways The Capital on Tap Business Credit Card offers high credit limits, no annual fee, speedy approval and cash back rewards. The card is only available to businesses with good credit, at least six months of activity and a minimum yearly revenue of $30,000. While the rewards and credit…
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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 Grants can help Black female business owners bridge the funding gap Many grants are tailored to specifically help Black business owners and women business owners overcome racial biases Grants designed to help minority business owners overcome barriers are currently facing legal challenges Additional…
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When I finished graduate school, I had $72,000 in student loans weighing me down. But less than a year after graduation, I’d paid…
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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 Checks are typically only valid for six months after being signed. Banks may still accept a stale check, but they are not required to if they have reason to doubt the funds. Different types of checks have different expiration dates. It is important to cash or deposit checks…
Key takeaways There are three steps to take if your SBA loan is denied. Even if your SBA loan is denied, you can reapply after 90 days. Alternative lending options outside of SBA financing are available. Applying for a small business administration (SBA) loan can be a great way to…
Burial insurance is a type of whole life insurance policy that can be used to cover your burial and other funeral costs. Usually, You can purchase one of these policies once you turn 50. A burial insurance plan can help your family afford your funeral service and other associated costs. …
For investors seeking a predictable return without the volatility of the stock market, a seven-year fixed annuity can be an appealing option. The term is long enough to secure competitive rates but short enough to retain some flexibility for the future. Fixed annuities, particularly multi-year guaranteed annuities (MYGAs), are offering…
The Nasdaq 100 is now just days away from its all-time high, but at least one sign suggests that investors should tread carefully. The number of stocks that have driven one of the most-followed indexes is suspiciously narrow. That is, the index has moved up mostly due to a few…
If you’re 63 years old with $1 million in a traditional IRA, you may be wondering whether converting $100,000 per year to a Roth IRA makes sense. Doing so could help you avoid required minimum distributions (RMDs) later on. This strategy may reduce your future tax burden and give you…
New Hampshire was named the best state for retirees in 2025, according to Bankrate’s annual Best and Worst States to Retire Study, with the best all-around score. But surprise — the state didn’t crack the top 10 when it came to affordability. That honor belongs to West Virginia, the most…
Key takeaways When you get a bonus — or other supplemental wages such as severance pay, commissions, etc. — your employer must withhold some of the money to send to the IRS for taxes. Your employer may withhold 22 percent of your bonus for taxes (37 percent for any bonus…
Photography by Getty Images; Illustration by Bankrate Broad form car insurance could be a viable option if you have limited resources, but need an affordable auto insurance policy. It covers you, the driver, specifically, and offers enough coverage to meet the minimum liability requirements in your state and avoid costly…
Credit score minimum: Most personal loan lenders require you to have fair credit or better, or a score above 580. Some lenders accept scores below this threshold, but you can expect to pay high rates and fees. Bad-credit lenders may also consider other criteria when reviewing your application, such as…
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