Key takeaways Decisions made by the Federal Reserve to increase the benchmark rate do not directly impact auto loans but rather the cost for banks to lend. The higher the Fed sets rates, the higher auto loan rates will likely be. The Fed made its third and last rate cut…
Key takeaways The Federal Reserve doesn’t directly set auto loan rates — but it does affect the cost for lenders to borrow money. The Federal funds rate was cut for a third and final time in 2025 and was not changed in the first meeting of 2026, so it currently…
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…
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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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Key takeaways Your credit card APR can go up if the prime rate changes, you paid your credit card bill late, your intro APR offer ended or your credit score dropped. If your APR increases, you can work on paying down your balance or transfer…
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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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kelvn/GettyImages; Illustration by Hunter Newton/Bankrate The airport is usually not an enjoyable place to spend time, especially when delays spring up. You can easily spend an entire day at a crowded airport gate, shelling out significant money on food and drinks while you wait for your flight. Having airport lounge…
Key takeaways Wire transfers, third-party apps, ACH transfers and checks can all move money between banks. Wire transfers are fastest but most expensive, while ACH transfers are free but slower. Third-party apps like Zelle often balance speed and cost for everyday transfers. Your choice depends on how quickly you need…
Key takeaways If you want to boost your chances of getting a credit card, knowing where your credit score falls on the spectrum can help. If you have limited credit history or no credit, you may have to start your credit-building journey with a secured credit card. Keeping your credit…
Key takeaways Leasing a car requires less money upfront and has lower payments, but there are typically mileage restrictions and additional costs. Buying can mean more expensive monthly payments and long-term maintenance costs, but you have greater control over its use and lower costs in the long run. With leasing,…
eclipse_images/Getty Images Key takeaways Just because you’ve retired doesn’t mean your income is tax-free. How a state taxes various forms of retirement income can have a big impact on your spending plans. States can have major differences in how they tax capital gains, Social Security and retirement plan distributions. When…
Key takeaways Yes, most ATMs at major banks accept cash deposits, though not all machines have this capability. You can typically only deposit cash at ATMs owned by your bank or partner networks. Cash deposits usually become available within one business day, but some banks offer instant availability. Yes, you…
Banking with one of the most popular banks can mean having access to more locations, better digital features, and nationwide convenience when you travel. The largest banks typically offer highly rated mobile apps with features like mobile check deposits and extensive ATM networks that can save you money on fees.…
Congratulations on graduating! As you start your career, one of your smartest financial moves is opening a high-yield savings account. These accounts earn significantly more than traditional savings accounts while keeping your money safe and accessible. The best savings accounts for new grads combine high interest rates with practical features…
Arbitrage is the process of taking advantage of a price difference in different markets in order to earn a low-risk profit. In the classic example, an investor buys the asset in the lower-priced market and sells it in the higher-priced market. More likely than not, the price difference is small.…
While taxable income and adjusted gross income (AGI) might sound similar, they refer to different stages of your income after certain deductions and adjustments have been applied. AGI starts with your gross income and subtracts specific adjustments, such as retirement contributions or student loan interest, to arrive at a baseline…
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