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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Key takeaways Life insurance may help provide financial support for the long-term care of children with special needs or disabilities. In some cases, a special needs trust can protect a child’s assets and serve as the life insurance beneficiary. Permanent insurance, such as whole life, provides coverage that will remain…
Key takeaways A mortgage preapproval is a statement of how much money a lender is willing to let you borrow to pay for a home. There are several important steps in the preapproval process, such as shopping around for lenders and gathering financial documents. Getting a preapproval makes it more…
Photography by Getty Images Key takeaways The Bank of America® Premium Rewards® credit card may not be the strongest option for travel enthusiasts, but it benefits existing Bank of America customers in the Preferred Rewards program. The card has a $95 annual fee and offers unlimited 2X rewards on travel…
Morsa Images/Getty Images Robo-advisors are a great option for investors who are looking to automate the investment management process at a cost below that of traditional financial advisors. Fortunately, there are robo-advisors that offer the best of both worlds, including some that offer access to certified financial planners (CFPs). Here’s…
South_agency/Getty Images One of the most common and best pieces of investment advice is to invest in a low-cost S&P 500 index fund. These funds allow investors to participate in the long-term growth of the economy by purchasing a diversified basket of stocks at a low cost. But recently some…
If you’re looking to invest in the ongoing rise of semiconductors, then buying a semiconductor exchange-traded fund (ETF) is an easy way to get started without the work of analyzing individual companies. With a semiconductor ETF, you can buy a cross-section of the industry and not have to pick the…
The Trump “baby 401(k)s” have gotten a lot of press, especially with all the hullabaloo about giving children a nest egg of their own. It’s a fine idea in theory, but the restrictions and caveats make Trump accounts more inflexible than they should be. Even if you don’t qualify for…
Key takeaways Chase Offers provides certain Chase cardholders with opportunities to earn cash back at select merchants. Offers are personalized to both individual customers and each Chase card in your wallet. Any cash back earned through Chase Offers comes on top of the rewards you normally earn for using your…
Traditionally, when a homeowner hired a real estate agent to handle the sale of their property, they agreed to pay that agent, as well as their eventual buyer’s agent, a commission. This fee typically amounted to between 5 and 6 percent of the home’s selling price, split more or less…
Morsa Images/Getty Images Key takeaways An IRA is a tax-advantaged savings plan you can use to build a retirement nest egg. Universal life insurance is an insurance policy that builds up a cash value that can be borrowed against or withdrawn. IRAs and life insurance are designed for different purposes.…
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