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 Origination fees are a common cost when borrowing a personal loan, especially if you choose to go with an online lender. Expect to pay anywhere from 1 percent to 10 percent of the total loan amount, although the exact fee varies based on several factors. Origination fees are…
Key takeaways The Chase Freedom Flex® is a unique cash back credit card that doubles as a great travel rewards card for those who know how to best take advantage of it. With no annual fee and the ability to redeem Chase Ultimate Rewards points for travel purchases, the Chase…
KenWiedemann/Getty Images With homes in the U.S. selling for a median price of $435,300, according to the National Association of Realtors, few would question the notion that real estate purchases and sales are among the largest financial transactions most people ever make. Closing costs, the fees and taxes that are…
Logos by CapitalOne and Chase; Illustration by Hunter Newton/Bankrate Chase and Capital One are among the largest banks in the U.S. (measured by total assets). Both banks offer a variety of deposit products, including certificates of deposit (CDs), checking and savings accounts, but the banks differ widely in the interest…
Key takeaways Home equity loans can be obtained from various lenders such as banks, credit unions, mortgage lenders, and online-only lenders. Most lenders will require a minimum amount of equity in the home, a good credit score, and a low debt-to-income ratio in order to qualify for a home equity…
Halfpoint Images/Getty Images Key takeaways Personal loans can help you pay for your child’s K-12 private school, but average rates are relatively high. Before using a personal loan to cover tuition, make sure to exhaust gift aid options like scholarships and grants. If you decide to borrow a personal loan,…
Real estate agents typically earn a commission based on the final sale price of a home. That’s true whether they’re working for the buyer or the seller. In the past, sellers were typically expected to cover the commissions for both their own agent and the buyer’s agent — often totaling…
Key takeaways It’s best to compare mortgage rates when you’re preparing to buy a home, ahead of closing day and when you’re looking to refinance. Mortgage rates change daily, and even throughout the day, based on economic and other factors. When comparing mortgage rates, keep in mind the loan and…
ferrantraite/Getty Images Key takeaways A mortgage loan originator (MLO) is a licensed professional that helps mortgage borrowers understand loan options and guides them through the loan application process. A mortgage loan originator could work for one lender, or act as a broker and work with a wholesale lender or multiple…
Photography by Getty Images Key takeaways Southwest Rapid Rewards® Plus Credit Card members receive 3,000 bonus points each year after their account anniversary. Additional perks, such as a free first checked bag and discounts on eligible in-flight purchases, offer more money-saving opportunities to cardholders. The $99 annual fee is the…
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