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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New York startup Casap has raised $25 million in new funding to help banks tackle the thorny problem of credit and debit card disputes, aiming to make the process smoother for honest customers and tougher for fraudsters. If you’ve ever had to dispute a charge on your credit or debit…
Name: Melaina Cano Firm: Merrill Wealth Management Location: Irvine, CA Team Assets (Custodied): $329 million Background: Melaina Cano’s passion for investing was sparked early by her paternal grandfather, a first-generation Mexican American engineer who meticulously tracked his investments and taught her the value of financial literacy. Raised in Orange County,…
If you were hoping for some guidance from the IRS with respect to changing your withholding to reflect the changes under the One Big Beautiful Bill Act (OBBBA), you’re out of luck. The IRS has announced that, as part of its phased implementation of the new tax law, there will…
OBSERVATIONS FROM THE FINTECH SNARK TANK In 2022, President Biden signed an executive order directing the government to develop a framework for digital assets and financial technologies. In July, the US Treasury released Strengthening American Leadership in Digital Financial Technology, a policy roadmap for federal agencies with innovation implications for…
Key takeaways If you’re saving for retirement, have a solid emergency fund and don’t carry any credit card debt, you may be in a good financial position to buy a second home. Be sure to budget carefully, accounting for maintenance and utility costs as well as potential rental management fees.…
Zinkevych/Getty Images: Illustration by Issiah Davis/Bankrate Key takeaways The best terms on small business loans are generally reserved for borrowers with strong credit scores Personal credit scores range from 300 to 850, with higher scores indicating greater likelihood of timely payments on a loan Business credit scores can range from…
President Donald Trump signed an executive order on Thursday directing the Department of Labor to revisit its guidance on including alternative assets — such as private equity, real estate and even cryptocurrency — in 401(k) plans. The move marks a controversial expansion of retirement investment options and may reshape how millions of…
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