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 refinancing to help you meet…
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 kinds of debt. Debt consolidation…
Images by Getty Images; Illustration by Issiah Davis/Bankrate Key takeaways A money market account is a deposit account that earns interest while providing check-writing and debit card access to your funds. Money market accounts currently earn between 0.47% and 4.00%+ APY, with top accounts offering rates significantly higher than traditional…
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…
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Historically Black colleges and universities are on the frontlines of the One Big Beautiful Bill Act’s new limits on parent…
With Republicans ending the Grad Plus program, private lenders are eyeing billions in new business, while some students could be…
With artificial intelligence beginning to eat away at many white-collar entry-level jobs, and the unemployment rate for recent college graduates…
Higher medical costs and insurance premiums are one of the unintended, unexpected effects of the new trade and tariff policies.That’s…
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Key takeaways The average auto loan interest rate for new cars in the second quarter of 2025 was 6.80 percent, while the average used car loan interest rate was 11.45 percent. Your credit score plays a significant role in determining your interest rate, but other…
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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We are approaching the blackout period ahead of the Fed’s upcoming meeting on 28-29 October, at which the Federal Open Market Committee is expected to cut interest rates according to fixed income markets. We have recently heard a number of speeches from Fed policymakers ahead of the pre-meeting limitation on…
Review your policy so you understand what is and is not covered. Maintain your property to reduce disputes over whether damage is sudden or gradual. Communicate openly with your adjuster. If it feels like they are asking many questions, it is because they must evaluate exclusions before confirming coverage. Stay…
Image by PM Images/Getty Images; Illustration by Hunter Newton/Bankrate Mortgage rates edged a bit lower this week, with the 30-year fixed rate averaging 6.35 percent, down from 6.39 percent the previous three weeks, according to Bankrate’s latest lender survey. Current mortgage rates Loan type Current 4 weeks ago One year…
Image by GettyImages; Illustration by Bankrate Minimal movement in home equity rates in the latest week. The benchmark 5-year $30,000 home equity loan edged down two basis points to 8.13 percent, marking the second week at its lowest level in two years. Meanwhile, the $30,000 home equity line of credit…
Retiring early with a 401(k) requires understanding how to access funds before the standard retirement age without triggering heavy penalties. This involves leveraging strategies like Rule 72(t) withdrawals, the Rule of 55 exception or a rollover for more flexibility. Each method has specific conditions, timelines and tax implications that shape…
While federal taxes apply uniformly, the way states tax 401(k) withdrawals can vary widely. Some states fully tax 401(k) distributions, while others provide deductions or exclude retirement income altogether. These differences can influence how much of your savings you keep and may even factor into decisions about when and where…
Paying for college can feel overwhelming, but smart tax planning can make a real difference. The IRS offers several education tax incentives to help students and families cut costs, lower their tax bill and even get a refund. Whether you are an undergraduate or graduate student or a parent supporting…
When it comes to managing retirement income, taxes can be one of your biggest – and most overlooked – expenses. Many retirees wonder whether converting their savings to a Roth IRA can help satisfy their required minimum distributions (RMDs) and reduce their tax burden. It is a smart question, but…
Key Takeaways VA loans offer 100% financing, no PMI, and flexible credit requirements. VA appraisals are stricter than conventional ones to ensure home safety and value. Managing credit card debt before applying can significantly improve approval chances. ACCC can help veterans eliminate debt and prepare for mortgage approval. Financial readiness…
If it feels harder to get ahead right now, that’s because it is. Many Americans are navigating a “worst-of-both-worlds” economy: a cooling job market on one side and stubborn inflation on the other. Prices aren’t rising as rapidly as they once were when the U.S. economy roared back after the…
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