The holiday season is a time filled with joy, celebration, and, often, a lot of expenses. As the festivities wind down, many find themselves facing the reality of depleted bank accounts, credit card debt, and the daunting task of rebuilding their financial safety nets. An emergency fund serves as a…
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 least as bad as physical…
Sixty percent of Americans under age 65 — that’s about 164.7 million people — receive their health insurance through their employer, according to a Kaiser Family Foundation analysis. That means losing a job can feel like a one-two punch: the loss of both income and health insurance. Then comes the…
Would you be upset if you found out your partner had a credit card you didn’t know about? On the flip side, have you ever fudged the numbers with your spouse about a recent shopping spree? Romantic relationships can come with mixed feelings about money. That’s why we asked more…
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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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Images by Getty Images; Illustration by Hunter Newton/Bankrate A construction loan is a short-term, high-interest loan used to finance building a home. Funds are paid out in phases over the course of construction and typically cover land, materials, contractor labor and permits. They tend to…
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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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PeopleImages/Getty Images Key takeaways You can add trusted sources to your Google preferred publishers list to see more of our stories in your search results. It’s simple to add trusted sources using direct links or with a few clicks directly from your Google search results. Adding trusted publishers helps ensure…
Halloween has evolved into a major holiday for many Americans, celebrated with enthusiasm and creativity. But it comes with a hefty price tag. According to the National Retail Federation (NRF), Americans are planning to shell out a staggering $13.1 billion this Halloween. This figure covers everything from elaborate decorations to…
A mini retirement is a planned, extended break from full-time work that’s taken before traditional retirement age. Unlike a vacation or employer-sponsored sabbatical, a mini retirement is self-funded and typically lasts a few months to a few years. People often consider a mini retirement during career transitions, periods of burnout…
To help you get the most out of this information, we’ve broken it down into these helpful sections: Conduct a Full-Scale Audit of Your Recurring Monthly Bills Many people ignore their regular monthly bills as a source of their debt problems. They think it’s too much shopping or too many…
At the peak of the pandemic, Congress established the Employee Retention Credit (ERC), a program designed to help eligible employers stay afloat during the COVID pandemic. The lure of free money proved to be too much for some, and as checks rolled out, the IRS began to point fingers at…
We are approaching the blackout period ahead of the Fed’s upcoming meeting on 28-29 October, at which the Federal Open Market Committee is expected to cut interest rates according to fixed income markets. We have recently heard a number of speeches from Fed policymakers ahead of the pre-meeting limitation on…
Lawrence Golub, billionaire founder and CEO of private credit firm Golub Capital, emphatically dismissed fears that the rapid growth of private credit, specifically direct lending, is leading to a bubble. Speaking at the ninth annual Forbes/SHOOK Top Advisor Summit in Las Vegas, NV, on Thursday, Golub argued that direct lending…
Review your policy so you understand what is and is not covered. Maintain your property to reduce disputes over whether damage is sudden or gradual. Communicate openly with your adjuster. If it feels like they are asking many questions, it is because they must evaluate exclusions before confirming coverage. Stay…
Image by PM Images/Getty Images; Illustration by Hunter Newton/Bankrate Mortgage rates edged a bit lower this week, with the 30-year fixed rate averaging 6.35 percent, down from 6.39 percent the previous three weeks, according to Bankrate’s latest lender survey. Current mortgage rates Loan type Current 4 weeks ago One year…
Image by GettyImages; Illustration by Bankrate Minimal movement in home equity rates in the latest week. The benchmark 5-year $30,000 home equity loan edged down two basis points to 8.13 percent, marking the second week at its lowest level in two years. Meanwhile, the $30,000 home equity line of credit…
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