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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Managing your personal finances can be complicated. Even for experts, refining a budget, paying off high-interest debt and saving for the future is a matter of trial and error. If you’ve ever made a financial mistake along your journey, know it’s very common — 74 percent of Americans say they…
Catherine Falls Commercial / Getty Images Key takeaways The best bank for a business savings account depends on various factors including interest rates, fees, accessibility and services. Online banks typically offer higher APYs and lower fees, while national and regional banks provide a more personalized banking relationship and additional business…
Even as home price appreciation has slowed down, affordability has gotten worse, especially for first-time homebuyers. As has often been noted, a slower rate of price appreciation doesn’t mean that prices are going down; it just means they’re going up more slowly. The Federal Reserve Bank of Atlanta estimates that…
Key takeaways Credit card security codes are three- or four-digit codes on your card (typically the back) that verify that you have the physical card. Usually, you won’t have to provide your security code unless you’re paying for something online or over the phone. Merchants aren’t allowed to store security…
Photography by Getty Images Key takeaways The Capital One Spark Cash Plus offers a flat 2 percent cash back on every purchase, making this card a good fit for businesses that spend across a wide range of categories. You can boost your rewards to 5 percent on hotels and rental…
Photography by Getty Images If you fly often within the U.S. or to Mexico, Central America or the Caribbean, you’re probably familiar with Southwest Airlines. Known for its affordability and customer service, it also boasts a popular loyalty program — Southwest Rapid Rewards. You can sign up for free and…
Key takeaways Join your preferred airline’s loyalty program for free to earn and redeem points and miles for your next flight. With a general travel rewards credit card or co-branded airline credit card, you can earn points and miles through eligible credit card spending. For more ways to earn points…
Investors are always on the hunt for something that can reduce their risks, and more advanced investors often turn to hedges to protect their investments against inflation, the risk of ever-higher prices. Investors often turn to commodities, in particular gold, as an inflation hedge, since it has a long history…
Yes, it’s possible to avoid paying taxes on your Social Security income, but it requires some careful maneuvering. While avoiding taxes on your monthly benefit check may sound like a good thing, retirees and other beneficiaries may want to think twice before trying to make it happen. Here’s how experts…
Gemini has something to offer for both big-money cryptocurrency traders, as well as those who are new to the space. Its ActiveTrader trading platform will be valued by professionals, while beginners will be able to learn from educational resources such as its Cryptopedia site. Given the high-risk nature of crypto…
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