As a personal finance journalist and a credit counselor, people often ask me for credit card advice. And I’m happy to give it! But I find myself sharing the same set of basic facts because they’re helpful for so many people. And then it dawned on me: Credit cards can…
How First-Year Students Should Manage Credit Cards Responsibly Understanding how first-year students should manage credit cards responsibly means creating a clear system around spending and repayment. If your purpose is to use the card for money management, that might mean setting a cap based on income—for example, if you earn…
Artifical intelligence (AI) is likely to reshape our lives in as big a way as the internet did in the 1990s and smartphones did in the 2000s (scary or exciting as that may be). That means changes to your regular life and your banking life, too. You’re likely encountering AI…
Alliant Credit Union, Ally Bank, Amerant Bank, America First Credit Union, American Airlines Federal Credit Union, American Express National Bank, Apple Bank, Arvest Bank, Axos Bank, Banesco USA, Bank of America, Bank of Hope, Bank5 Connect, BankPurely, BankUnited Direct, Barclays Bank, Bask Bank, BMO Alto, BMO Bank, Boeing Employees’ 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 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…
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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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KenWiedemann/Getty Images With homes in the U.S. selling for a median price of $435,300, according to the National Association of Realtors, few would question the notion that real estate purchases and sales are among the largest financial transactions most people ever make. Closing costs, the fees and taxes that are…
Logos by CapitalOne and Chase; Illustration by Hunter Newton/Bankrate Chase and Capital One are among the largest banks in the U.S. (measured by total assets). Both banks offer a variety of deposit products, including certificates of deposit (CDs), checking and savings accounts, but the banks differ widely in the interest…
Key takeaways Home equity loans can be obtained from various lenders such as banks, credit unions, mortgage lenders, and online-only lenders. Most lenders will require a minimum amount of equity in the home, a good credit score, and a low debt-to-income ratio in order to qualify for a home equity…
Halfpoint Images/Getty Images Key takeaways Personal loans can help you pay for your child’s K-12 private school, but average rates are relatively high. Before using a personal loan to cover tuition, make sure to exhaust gift aid options like scholarships and grants. If you decide to borrow a personal loan,…
Real estate agents typically earn a commission based on the final sale price of a home. That’s true whether they’re working for the buyer or the seller. In the past, sellers were typically expected to cover the commissions for both their own agent and the buyer’s agent — often totaling…
Key takeaways Before you react to a lost 401(k) match, assess your finances and the financial health of your company. You have options, but continuing to contribute to your 401(k) may not be the best one. You may want to focus on shoring up your emergency fund or investing in…
Key takeaways Brokerage accounts can function like high-yield savings accounts by holding cash in money market funds or government bonds. Many brokerages offer competitive yields on cash balances, sometimes matching or exceeding traditional savings account rates. You can earn 4 to 5 percent on cash through money market funds, short-term…
RgStudio/GettyImages; Illustration by Hunter Newton/Bankrate Key takeaways Brokerage checking accounts work differently than regular bank accounts by automatically spreading your money across multiple banks for extra protection. You typically get better perks like free ATM use worldwide and no monthly fees, but lower interest rates on your cash. Brokerage checking…
Key takeaways Unsecured loans aren’t backed by collateral, making them a higher risk for lenders Unsecured business loan rates vary, ranging from 7 percent to 75 percent APR With good credit, you could secure a low interest rate on an unsecured loan — between 7 percent and 8 percent APR…
ferrantraite/Getty Images Key takeaways A mortgage loan originator (MLO) is a licensed professional that helps mortgage borrowers understand loan options and guides them through the loan application process. A mortgage loan originator could work for one lender, or act as a broker and work with a wholesale lender or multiple…
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