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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According to the Social Security Administration (SSA), nearly 70 million Americans received Social Security benefits in July 2025. With roughly 20 percent of the country receiving benefits, these checks are a lifeline for a large portion of the population who rely on the income during retirement. However, Social Security checks…
Key takeaways Unsecured loans aren’t backed by collateral, making them a higher risk for lenders Unsecured business loan rates vary, ranging from 7 percent to 75 percent APR With good credit, you could secure a low interest rate on an unsecured loan — between 7 percent and 8 percent APR…
Image by Adobe Stock; Illustration by Bankrate Key takeaways The listing price of a property is literally the price at which a home is listed for sale — it’s the amount the seller ideally wants to get. Many factors go into determining listing price, including the home’s location, age, size…
Key takeaways A business financial plan helps small businesses track revenue, expenses and growth opportunities. Key components typically include cash flow forecasting, budgeting and financial projections. A solid financial plan promotes sustainability and can attract investors or lenders. A strong financial plan is essential for any small business. It provides…
Saving money and having an emergency fund can help you handle unplanned expenses and provide peace of mind — especially in uncertain times. It’s also important to have money set aside for other short-term goals. But stashing away too much cash might not be the best personal finance strategy, either.…
Most people who own annuities are middle class. Seventy percent of annuity owners had total annual household incomes under $100,000 with a median annual household income of $79,000, according to The Survey of Owners of Individual Annuity Contracts, conducted by Gallup in 2022, the most recent year available. While many…
Image by GettyImages; Illustration by Bankrate Key takeaways Business credit card rewards are not considered income, which means they are not taxable. Instead, credit card rewards are considered rebates on items you purchased with a credit card. If you’re earning any kind of bonus from a financial institution, and you…
Key takeaways Reduced paid-up life insurance allows you to keep your whole life policy in place with a reduced death benefit if you no longer want to pay the premiums. Reduced paid-up insurance is designed to last until the insured’s death unless the policy is surrendered. Reduced paid-up insurance may…
Photography by Getty Images; Illustration by Bankrate Debt avoidance is the habit of refusing to consider or engage with borrowing — even when it may be strategic — due to fear, shame, misinformation or a combination of the three. Avoidance typically is not just a personal preference, it’s often a…
One advantage of having a home insurance policy is being able to customize your coverage with riders, or endorsements, to your specific needs. If you live in a homeowners association (HOA) community, one endorsement worth considering is loss assessment coverage. It can help cover your share of costs if the…
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