Key takeaways You don’t need to put 20 percent down to get a mortgage, and some mortgages don’t even require a down payment. You can get a conventional mortgage with 3 percent down, but with anything less than 20 percent, you’ll have to pay mortgage insurance. Making a larger down…
Key takeaways JetBlue’s TrueBlue Shopping lets loyalty program members earn points with the airline for each dollar they spend. Using the portal is free, and members can earn points for spending with hundreds of online retailers and partner brands. Purchases are tracked through the portal automatically, and bonus points are…
Key takeaways The Chase Sapphire Preferred® Card and Citi Strata Premier® Card both offer access to popular travel rewards universes: Chase Ultimate Rewards and Citi ThankYou points. Citi Strata Premier offers excellent rewards rates in more everyday categories, but Sapphire Preferred offers potentially better value when redeeming points for travel…
Key takeaways Loss of use reimburses expenses incurred when your home is uninhabitable after a loss. Elective renovations and general maintenance are not covered by loss of use. Pet boarding, parking fees, moving expenses and laundry services are just a few of the expenses loss of use may cover. If…
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The big new fees JPMorgan Chase is planning to charge some financial technology companies may well trickle down to consumers,…
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If a society is going to make intelligent choices in policy, it helps to understand reality, which includes facts and…
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Photography by Getty Images Key takeaways You can close your Discover credit card account by sending a closure request in the mail or by calling the number on the back of your card and speaking with a representative. Before closing your card, you should pay…
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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 If you’re living with a disability, you can list your Social Security Disability Insurance (SSDI) or Supplemental Security Insurance (SSI) as income on your mortgage applications. This makes it easier to meet a lender’s income requirements and qualify for a mortgage — even if you aren’t receiving employment…
If you earn income from rental properties, royalties, partnerships, S corporations, estates or trusts, you’ll likely need to submit Schedule E with your tax return. This supplemental federal income tax form, officially titled “Supplemental Income and Loss,” is where you report income beyond your regular wages or salary. Because of…
Key takeaways When you agree to purchase a home, one of the first steps you’ll likely need to check off the list is putting earnest money in escrow — a signal to the seller that you’re committed to getting the deal done. A third party will control the escrow account,…
Cross-border tax planning between Canada and the U.S. will require you to manage income, assets and residency to avoid double taxation and meet rules in both countries. Key differences in retirement accounts, capital gains and estate taxes can create issues without careful planning. Tax treaties help, but dual filers and…
MoMo Productions/Getty Images Social Security began clawing back overpayments at a higher rate in July, and beneficiaries who have been overpaid will see a lot more money coming out of their monthly checks to cover the overpayments. While the number of recipients who have been overpaid is a small percentage…
Image by GettyImages; Illustration by Bankrate Key takeaways A cashier’s check is paid for with bank funds, while a certified check is from a personal bank account. Unlike a personal check, with a certified check, the bank verifies that you have sufficient funds. Both cashier’s checks and certified checks may…
Key takeaways The largest U.S. IPO of all time is of Chinese e-commerce giant Alibaba in September 2014. A company must have a total valuation of more than $54 billion to crack the top 10 list of American IPOs. The valuation includes the total value of all the company’s stock,…
Key takeaways You can automatically renew your CD through most banks by doing nothing during the grace period, though this isn’t always the best option. Banks typically provide a 7 to 10-day grace period after CD maturity to make changes without penalties. CD renewal rates may be higher or lower…
Key takeaways Homestead exemptions offer exceptions to financial claims on your primary residence. Homeowners filing for bankruptcy may be able to use a homestead exemption to shield the home’s equity from creditors. Similarly, homestead tax exemptions can help reduce the amount of property taxes owed on the home. As the…
Key takeaways You can deduct traditional IRA CD contributions from your taxes if your income falls within certain limits. For 2025, a single person with a workplace retirement plan can deduct contributions if they earn between $79,000-$89,000. IRA CDs offer guaranteed returns plus tax benefits, but they often won’t…
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