Key takeaways Both charge cards and credit cards allow you to make purchases that you can pay off at a later date. Credit cards allow users to carry a balance from month to month, but those balances are usually subject to credit limits and interest charges. Charge cards tend to…
VioletaStoimenova/ Getty Images; Illustration by Austin Courregé/Bankrate Key takeaways Both financial advisors and accountants can help clients meet financial goals and maximize tax savings. Financial advisors tend to focus more on long-term financial planning for individuals. Accountants most commonly focus on tax planning and returns. Financial advisors and accountants are…
Key takeaways Bonds and annuities aren’t an either-or choice. You may find value from both in your portfolio. Bonds offer stable income, liquidity and the option to sell. Fixed annuities can offer guaranteed income, albeit with less liquidity. When people talk about safe investments for retirement, annuities and bonds often…
Key takeaways While many major card issuers offer popular business cards, picking a card from a lesser-known issuer has its advantages. Some of our top picks don’t require a personal guarantee, and many tend to offer higher credit limit potential than other business cards. Before choosing a business card, compare…
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Photography by Getty Images; Illustration by Bankrate After years of credit challenges, I recently signed an apartment lease — with only a $350 deposit and no co-signer. I’m proud of this achievement, which was only possible for two reasons: my 702 credit score, and the…
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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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Key takeaways The Southwest Rapid Rewards® Plus Credit Card comes with the lowest annual fee of all the Southwest cards and earns 2X points on Southwest flights and more. If you already travel with Southwest and don’t want to pay a high annual fee, this card might be the right…
Collision insurance is an optional coverage that helps pay for repairs to your vehicle when you are to blame for a car accident or other damage-causing incident, like hitting a tree or mailbox. Even the safest drivers can lose focus or react poorly when a split-second decision must be made,…
If a car is declared a total loss by an insurance company, that doesn’t mean it’s automatically destined for the scrapyard. While totaled cars are marked as destroyed with a salvage title, that salvage title can be converted to a rebuilt title if somebody repairs the totaled vehicle to make…
The American Express Cash Magnet® Card* is no longer taking new applicants as of September 2024, although existing cardholders can still use the card. Those interested in the American Express Cash Magnet® Card can check out the Blue Cash Everyday® Card from American Express instead. Key takeaways While a 2…
Image by PM Images/Getty Images; Illustration by Hunter Newton/Bankrate Mortgage rates retreated this week, with the 30-year fixed rate averaging 6.61 percent, compared to 6.63 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…
JLco – Julia Amaral//Getty Images Key takeaways The Capital One Quicksilver Cash Rewards Credit Card offers easy flat-rate cash back that can grow with you. With no annual or foreign transaction fees, the card makes a solid long-term addition to your wallet. You won’t earn top rewards with this card…
Key takeaways Credit card forbearance is typically offered by your credit card issuer and can help you manage your credit card payments if you’re facing financial hardship. If your credit card issuer doesn’t offer credit card forbearance or denies your request for it, you may have to consider other debt…
Hero Images Inc/Getty Images Key takeaways Cash management accounts often combine savings and checking account features, while money market funds offer ultra low-risk returns. You open a cash management account and use it like a checking or savings account. You buy shares in a money market fund. Look at each…
If you aren’t fully satisfied with your homeowners coverage, it can be handy to know how to switch home insurance policies. This isn’t difficult to do, even if your policy is paid out of an escrow account. Although switching home insurance can happen at any time during the life of…
Key takeaways Several types of working capital loans can help cover short-term needs, including term loans, lines of credit, SBA loans and business credit cards. Some working capital loans come with higher interest rates than others. Compare options before making a decision. Long-term loans and business grants are alternatives to…
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