Key takeaways Only 46% of U.S. adults have enough emergency savings to cover three months of expenses, making saving money more crucial than ever. Automatic transfers to a high-yield savings account earning around 4% APY can help build emergency funds without extra effort. Cash-back apps and comparison shopping can save…
By Julie Jaggernath If you’ve been spending your time shoveling snow recently, try using it as a chance to think about what money management tips you can learn from the winter weather that has hit many parts of Canada and the USA. While it’s easy to grumble about the inconvenience…
Getty Images/Greg Hinsdale You hear a lot these days about tapping home equity – borrowing against the worth of your home – for cash. Home equity loans and home equity lines of credit (HELOC) have become popular ways for homeowners to access their available equity to pay for expenses like…
If the IRS notifies you of an audit, and you expected a tax return, you probably have a lot of questions. Will you ever get your tax refund? Does the audit automatically stop it? The answer depends on the IRS’s review and whether the items under audit affect the refund…
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The nation’s 75 million Social Security recipients will receive a 2.8% cost of living adjustment (COLA) increase in their benefits…
Historically Black colleges and universities are on the frontlines of the One Big Beautiful Bill Act’s new limits on parent…
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…
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Money is an uncomfortable topic for many, yet it’s an important ongoing conversation to have in a relationship. Financial secrets undermine trust. And for many, it may even feel like betrayal. More than 2 in 5 U.S. adults (43%) believe keeping financial secrets is at…
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2. Coaching and Tutoring Take stock of your areas of expertise – maybe you speak a second language or solving math equations comes…
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These entrepreneurs, traders and investors are making an outsized impact in fintech, crypto and traditional financial services.By Jeff Kauflin, Hank Tucker and Nina…
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hobo_018/GettyImages; Illustration by Hunter Newton/Bankrate Key takeaways The mortgagor is the person or entity who borrows and pays back a mortgage loan. If you’re getting a mortgage to buy a home, you’re the mortgagor. The mortgagee is the lender, such as a bank or credit union. This is the entity…
Key takeaways Pet insurance has three plan types: accident-only, accident and illness, and wellness and preventive care. Deductibles are upfront costs, while reimbursement rates determine how much the insurance pays back. Owners usually must submit claims to be reimbursed for covered vet expenses. Understanding the claims process and how pet…
Key takeaways Fast business loans offer rapid funding, often in one to three business days. Business lines of credit, business credit cards and merchant cash advances can be considered types of fast business loans. Having a high credit score, a solid revenue stream and being an established borrower with your…
As a certified student loan counselor, I’m often asked if there are any quick fixes or secret hacks to getting rid of education debt overnight. (Spoiler alert: There’s not.) There are, however, ways of “working the system” in a perfectly legal fashion. So, when I sought to catalog legitimate loan…
Key takeaways A purchase agreement is a legally binding contract that spells out the details of a real estate transaction. Homebuyers and sellers typically sign a purchase agreement shortly after negotiating the final sale price. Most include contingencies that must be met in order for the deal to proceed, such…
Key takeaways There are three steps to take if your SBA loan is denied. Even if your SBA loan is denied, you can reapply after 90 days. Alternative lending options outside of SBA financing are available. Applying for a small business administration (SBA) loan can be a great way to…
Key takeaways Checks are typically only valid for six months after being signed. Banks may still accept a stale check, but they are not required to if they have reason to doubt the funds. Different types of checks have different expiration dates. It is important to cash or deposit checks…
The Nasdaq 100 is now just days away from its all-time high, but at least one sign suggests that investors should tread carefully. The number of stocks that have driven one of the most-followed indexes is suspiciously narrow. That is, the index has moved up mostly due to a few…
If you’re 63 years old with $1 million in a traditional IRA, you may be wondering whether converting $100,000 per year to a Roth IRA makes sense. Doing so could help you avoid required minimum distributions (RMDs) later on. This strategy may reduce your future tax burden and give you…
New Hampshire was named the best state for retirees in 2025, according to Bankrate’s annual Best and Worst States to Retire Study, with the best all-around score. But surprise — the state didn’t crack the top 10 when it came to affordability. That honor belongs to West Virginia, the most…
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