Jose Luis Pelaez Inc/Getty Images Key takeaways Short-term loans provide financing with a brief repayment period and often require collateral to obtain. These loans are generally capped at $2,000 and are often used by borrowers who are strapped for cash or who have a low credit score. Loan funds are…
Holiday spending came in at the high end of projected ranges for 2025 despite numerous economic challenges. According to Mastercard, U.S. retail sales (excluding automotive) increased 3.9% year-over-year from Nov. 1 through Dec. 21, 2025. CNBC and the National Retail Federation published a similar increase, reporting holiday sales grew 4.1%…
ljubaphoto/Getty Images: Illustration by Issiah Davis/Bankrate Key takeaways The interest rate on a mortgage indicates how much interest you’ll pay for the amount you borrow. The annual percentage rate (APR) is the interest rate plus additional fees and any points. When comparing loan offers, it’s best to compare APRs to…
Christina Zelow Lundquist/ Getty Images; Illustration by Austin Courregé/Bankrate Key takeaways A cash-out refinance replaces your current mortgage with a new, bigger one. The borrower receives the difference between the two balances in cash. The terms of your refinanced mortgage might differ from your original loan, including a new interest…
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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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VIEW press/Contributor/Getty Images Wells Fargo is a financial institution that offers its customers personal, small business, commercial, corporate and investment banking solutions. There are currently around 5,600 branches and 11,000 ATMs nationwide. Wells Fargo Bank near me You can find a Wells Fargo retail banking…
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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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I’m on track to earn a personal record of about $3,000 in cash back credit card rewards this year. That’s enough to pay for a nice vacation or offset various day-to-day expenses — and it hasn’t even taken that much work on my part. Earning a meaningful amount of credit…
A credit score of 500 or less gives you plenty of room for growth when building your credit, and it won’t exclude you from qualifying for a good credit card. Several credit cards for credit scores in this range or lower offer credit-building tools to help you build your score;…
seksan Mongkhonkhamsao / Getty Images Key takeaways Businesses don’t have to resort to layoffs and shrinking inventories to reduce costs. Making a few tweaks to your current spending and optimizing your assets can boost profit margins. You can also tap into your local community for talented workers and resources. Apply…
Pros of Having a Credit Card as a First-Year Student: Benefits of Student Credit Cards One of the biggest pros of having a credit card as a first-year student is the chance to start building a credit rating early. Having a card and using it responsibly, such as paying off…
The Ink Business Preferred® Credit Card is currently offering one of its most valuable sign-up bonuses to date, and more people can take advantage than might realize it. With this bonus, the Ink Business Preferred is worth a fresh look not only for traditional small-business owners, but also freelancers, side…
Key takeaways The saver’s tax credit allows lower-income earners to claim a credit on their tax return. To be eligible, you must also be at least 18 years of age, not be a full-time student or be claimed as a dependent on someone else’s tax return. Different income limits apply…
Alistair Berg / Getty Images Key takeaways Managing cash flow well helps your business cover expenses and grow. Poor cash flow leads to missed payments, rising debt and potential business failure. Forecasting cash flow can help you anticipate financial needs and avoid shortfalls. You can improve cash flow by speeding…
There are a multitude of leveraged strategies aimed at retail investors. Most of these follow the performance of major indexes, while others track niche areas of the market like the semiconductor and biotech industries. With leveraged strategies, investors hope to capture additional return using the power of debt. What is…
Illustration by Bankrate. Private companies are having a moment, with some firms, such as SpaceX and OpenAI, boasting valuations in the hundreds of billions of dollars and Wall Street pushing to include private assets in retirement accounts. In the old days, companies would go public through an initial public offering,…
Image by Getty Images; Illustration by Bankrate Key takeaways When it comes to Social Security, the standard advice you might hear suggests that you won’t get a second chance to decide when to start taking your benefits. But in at least two circumstances, you can get a chance at a…
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