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 Including a cosigner on your auto loan may have been useful in the past, but there are times you may need to remove your cosigner. When your credit score improves, you have the option to remove the cosigner from your loan using a cosigner release form. A cosigner…
The S&P 500 has had a nice run over the last few years, and the big-name tech stocks that everyone knows — Apple, Microsoft and Nvidia, among others — have led the charge higher. But which stocks may have been unfairly overlooked in that fast-and-furious rally? Below are some timely…
Key takeaways Between applying for a mortgage and closing on your house, aim to keep your personal finances and employment status as steady as possible, and avoid making any major purchases. Expect your lender to look at your bank account, credit and debts again shortly before closing to verify that…
Bitcoin is legendary for its volatility. The cryptocurrency has soared, plunged and then risen again since it debuted in 2009. In three separate years, the world’s largest cryptocurrency has plummeted more than 60 percent — in fact, once more than 70 percent. But Bitcoin has actually done even worse than that,…
Finding the best car insurance can be tricky, especially when you realize that what’s best for one driver may not be the best for another. In general, it’s best to look for companies that offer extensive coverage options while maintaining a high level of customer satisfaction and a solid financial…
Retirement is a dream for many — a time to relax, travel and pursue hobbies. But the reality can be quite different if you’re not financially prepared. That’s why the fear of outliving your savings is a major concern among retirees. However, with proper planning and discipline, you can make…
Alexander Spatari/Getty Images The old Capital One SavorOne is no more. Welcome to the new Capital One SavorOne Rewards Credit Card. After the old SavorOne became the Capital One Savor Cash Rewards Credit Card in October 2024, it seemed as though the SavorOne’s story might be over. But recently, the…
Key takeaways Many credit cards offer credits and perks that can reduce the costs of airline, baggage, resort and other fees. When planning your vacation, look for cards that can save you from 3 percent to 5 percent by charging no transaction fees on your international purchases. You can also…
For more than 30 years, the so-called 4 percent rule — a tidy formula to help retirees figure out how much they can withdraw from their portfolios each year without running out of money — has loomed large in retirement planning circles. But William Bengen, the now 77-year-old retired fee-only financial…
President Donald Trump is paving the way for a significant shift in retirement investing by permitting 401(k) plans to include alternative investments like private equity, real estate and digital assets. Trump’s recent executive order1 aims to provide 401(k) participants with greater access to diversified investment opportunities, potentially enhancing retirement outcomes.…
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