sturti/ Getty Images; Illustration by Austin Courregé/Bankrate Key takeaways You can apply for an EIN online or by mail An EIN helps you separate personal and business finances If you pay employees and file payroll taxes, you must have an EIN for your company Keeping your personal and business expenses…
FG Trade/GettyImages; Illustration by Hunter Newton/Bankrate The legacy Capital One Savor Cash Rewards Credit Card is no longer accepting new applicants as of July 2024, although existing cardholders can continue to use the card. Those interested in the legacy Capital One Savor Cash Rewards Credit Card can check out the…
Illustration by Clint Branch/Bankrate Key takeaways There’s generally no limit to the number of times you can refinance your mortgage, although some lenders require a waiting period between refinances. If you qualify for a lower interest rate, refinancing can save you thousands — but if you do it multiple times,…
Key takeaways Each insurer determines whether your treehouse will have an impact on your premium. Treehouses may be considered “attractive nuisances” — hazardous items that are attractive to children. Your treehouse may be covered under the other structures part of your policy, which is usually capped at 10 percent of…
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President Trump’s 2026 budget would freeze spending for many services for older adults, deeply cut others, continue his efforts to…
The Trump administration is clamping down on federal student loan defaults; at the same time, Republican lawmakers in Congress just…
San Francisco-based Chime, the largest digital bank in America, wants to go public at a price between $24 and $26…
While there has been much conversation on not buying from companies with poor diversity, little has been said about investing…
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Last weekend, I was out for drinks with my brother and we got into an argument about who was going to pay the tab. I wish I could say it was because we’re both so generous. Quite the opposite: We both wanted the points. Whoever didn’t…
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Can You Find It At a Thrift Store? Clothing prices, like everything else have increased substantially and trying to buy everything brand new…
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For the fifth straight year, Forbes is partnering with market research firm Statista to rate insurance companies in the United States. But we…
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Key takeaways Automotive companies plan vehicles years in advance, making it difficult and expensive to make changes as quickly as new tariffs require. Short-term discounts are available for automakers that use imported parts to assemble vehicles domestically. However, these may not be large enough — and may not last long…
Key takeaways A wraparound mortgage is a unique form of seller financing in which the seller keeps their mortgage and extends a loan to the buyer. To offer a wraparound mortgage, the seller must have an assumable mortgage. While popular with those who can’t qualify for traditional financing, wraparound mortgages…
Key takeaways Corporate credit cards are typically issued to bigger corporations with a solid credit history, allowing for efficient expense management as individual employees can be issued their own cards for work-specific spending. Corporate credit cards often don’t require a personal guarantee, making them more suitable for larger corporations. …
Key takeaways While the Trump administration has suggested sweeping changes to the federal student loan program, many loan forgiveness options still exist. Programs that lead to forgiveness typically require monthly payments for 10 to 25 years, after which remaining balances can be wiped away. Make sure to stay up-to-date on…
Becoming a 401(k) millionaire represents a significant milestone in retirement planning. According to recent data, the average age at which individuals attain this status is 59 years old, typically after 26 years of consistent contributions to their retirement plans. The length of time typically required to become a 401(k) millionaire…
MoMo Productions/Getty Images Not everything in life has to be complicated, especially when it comes to finance. While rewards credit cards that earn points or miles and offer rewards in different bonus categories can be lucrative, many people prefer the simplicity and consistency of flat-rate cash back cards. Whether most…
Image by Getty Images; Illustration by Bankrate No matter which side of the bargaining table you’re sitting on, the Washington housing market has some good news for you. May data from Redfin shows that, for buyers, there are more than 20 percent more homes available to purchase now than there…
Bitcoin mining is the process of creating new bitcoins by solving extremely complicated math problems that verify transactions in the currency. When a bitcoin is successfully mined, the miner receives a predetermined amount of Bitcoin. Bitcoin is one of the most popular types of cryptocurrencies, which are digital mediums of…
Key takeaways Formerly incarcerated entrepreneurs can apply for general small business grants for funding. Entrepreneur courses aimed at people formerly incarcerated offer a wealth of knowledge about starting a business. You may be eligible for an Education Pell Grant. Try local when looking for startup resources. According to the Prison…
Key takeaways Debit card spending limits are safeguards to help prevent excessive, unauthorized spending in case your card or account details are stolen. Limits vary widely by bank. If you need to make a large purchase or regularly run up against your limit, you can ask for either a temporary…
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