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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For investors seeking a predictable return without the volatility of the stock market, a seven-year fixed annuity can be an appealing option. The term is long enough to secure competitive rates but short enough to retain some flexibility for the future. Fixed annuities, particularly multi-year guaranteed annuities (MYGAs), are offering…
Key takeaways When you get a bonus — or other supplemental wages such as severance pay, commissions, etc. — your employer must withhold some of the money to send to the IRS for taxes. Your employer may withhold 22 percent of your bonus for taxes (37 percent for any bonus…
Credit score minimum: Most personal loan lenders require you to have fair credit or better, or a score above 580. Some lenders accept scores below this threshold, but you can expect to pay high rates and fees. Bad-credit lenders may also consider other criteria when reviewing your application, such as…
Managing your personal finances can be complicated. Even for experts, refining a budget, paying off high-interest debt and saving for the future is a matter of trial and error. If you’ve ever made a financial mistake along your journey, know it’s very common — 74 percent of Americans say they…
Catherine Falls Commercial / Getty Images Key takeaways The best bank for a business savings account depends on various factors including interest rates, fees, accessibility and services. Online banks typically offer higher APYs and lower fees, while national and regional banks provide a more personalized banking relationship and additional business…
Even as home price appreciation has slowed down, affordability has gotten worse, especially for first-time homebuyers. As has often been noted, a slower rate of price appreciation doesn’t mean that prices are going down; it just means they’re going up more slowly. The Federal Reserve Bank of Atlanta estimates that…
Key takeaways Credit card security codes are three- or four-digit codes on your card (typically the back) that verify that you have the physical card. Usually, you won’t have to provide your security code unless you’re paying for something online or over the phone. Merchants aren’t allowed to store security…
Key takeaways Join your preferred airline’s loyalty program for free to earn and redeem points and miles for your next flight. With a general travel rewards credit card or co-branded airline credit card, you can earn points and miles through eligible credit card spending. For more ways to earn points…
Yes, it’s possible to avoid paying taxes on your Social Security income, but it requires some careful maneuvering. While avoiding taxes on your monthly benefit check may sound like a good thing, retirees and other beneficiaries may want to think twice before trying to make it happen. Here’s how experts…
Key takeaways Between applying for a mortgage and closing on your house, aim to keep your personal finances and employment status as steady as possible, and avoid making any major purchases. Expect your lender to look at your bank account, credit and debts again shortly before closing to verify that…
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