While taxable income and adjusted gross income (AGI) might sound similar, they refer to different stages of your income after certain deductions and adjustments have been applied. AGI starts with your gross income and subtracts specific adjustments, such as retirement contributions or student loan interest, to arrive at a baseline…
Congratulations on graduating! As you start your career, one of your smartest financial moves is opening a high-yield savings account. These accounts earn significantly more than traditional savings accounts while keeping your money safe and accessible. The best savings accounts for new grads combine high interest rates with practical features…
Arbitrage is the process of taking advantage of a price difference in different markets in order to earn a low-risk profit. In the classic example, an investor buys the asset in the lower-priced market and sells it in the higher-priced market. More likely than not, the price difference is small.…
Key takeaways A backup offer is an offer that’s submitted even though the seller has already accepted an offer from another buyer. Accepting a backup offer as a seller means you have a fall-back in case the buyer in first position falls through. Making a backup offer as a buyer…
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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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While the average credit card interest rate has dropped slightly and experts muse about Fed rate cuts this fall, there’s one metric we can count on — astronomical retail card interest rates. The 2025 Bankrate Retail Cards Study reveals the average retail card APR remains…
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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…
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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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According to average rate data from Quadrant Information Services, the average cost of home insurance is $2,466 per year as of July 2025. However, your exact rate will likely be different. Home insurance is a highly personalized product, and what you pay will depend on rating factors that are personal…
When it comes to saving for retirement, there’s a lot to consider. Not only do you have to define your goals and what kind of life you want to live in retirement, but you also have to consider the types of investments to include in your retirement portfolio to help…
If you want to boost your holiday budget, a huge part of it is just cutting back your spending. Way too many people think it takes big bucks to have memorable Christmas fun. They’ll splurge on gifts, travel, food and festivities and then shrug it off by saying, “Ah, well, it’s…
There’s plenty of debate about whether old cars or new cars are more reliable, but one thing everyone agrees on: repair costs are only getting more expensive. While mechanical failures have been a problem for both new and old cars alike, fixing the complex safety and technology features in modern…
Oh, the Enneagram—it’s one of my favorite things. I mean, as far as life-changing things go, for me it’s Jesus, pizza and the Enneagram. You might be wondering, What is an Enneagram? If so, I’m so excited to introduce you to it. I promise you’ll learn something about yourself! What…
Image by Getty Images; Illustration by Bankrate There are many reasons it pays to have a dedicated business credit card that offers benefits beyond the rewards you earn. Having a business credit card makes it easier to keep your business and personal expenses separate for tax purposes, and the best business cards even…
If you’re thinking of stocking up on food and other items, you’re not alone. Between supply chain issues and rising food prices, no one wants to be caught off guard with nothing left in their pantry (remember the whole toilet paper situation of 2020?). It’s always a good idea to…
Setting your money aside in mutual funds and letting them grow over the long term is one of the proven ways ordinary people can become everyday millionaires and live the retirement of their dreams. Of course, you’ll want to invest in a mix of the best mutual funds—those with a history of…
When it comes to back-to-school shopping, some of us might think fondly of new backpacks and the scent of fresh pencils. But Bankrate’s 2025 Back-to-School Shopping Survey shows others might simply see dollar signs. Stubborn inflation continues to change how nearly 1 in 3 back-to-school shoppers (30 percent) shop, but…
Listen to this article We’re so glad you decided to get a will! A will is one of the most important parts of your legacy, because it lets you give your loved ones good gifts and protect your family after you’re gone. We know you want to do your will…
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