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…
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…
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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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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…
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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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Images by Getty Images/Illustration by Bankrate For many people, charitable giving often involves writing a check or donating online. But what if there was a way to weave your generosity into your retirement plan while generating income for yourself at the same time? Charitable gift annuities (CGAs) offer a strategic…
Key takeaways Business bank loans offer flexible terms and attractive interest rates. Businesses should expect longer waiting periods for approval and slower funding times when applying for a business bank loan. Types of business bank loans include term loans, equipment loans, microloans and lines of credit. Bank financing can be…
MoMo Productions/GettyImages; Illustration by Hunter Newton/Bankrate Key takeaways Annuities allow you to grow your money on a tax-deferred basis. Some withdrawals from an annuity are taxable, and some are not. You can switch your annuity to another provider tax-free. Annuities are popular with retirement investors because they can offer an…
Key takeaways A 414(h) plan is a tax-advantaged retirement savings account that is offered to many government employees. These plans allow for tax-deferred growth and don’t have income caps, and because contributions aren’t counted as income, employees can avoid payroll taxes. However, they come with less flexibility for contributions and…
Key takeaways Buyer’s remorse is a feeling of regret or anxiety after making a purchase. For homebuyers, it means they regret buying their house. People might feel homebuyer’s remorse if they come to believe they overpaid or dislike the location once they move in, for example. Careful planning and working…
Various characteristics in a bank can help customers feel safe and confident about keeping their money there. Four such pillars of trust include: Federal deposit insurance Financial stability Fee transparency Strong customer service These four pillars are necessary for one vital aspect of banking relationships: trust. In fact, nearly 16…
Key takeaways A SIMPLE IRA is a retirement plan designed for small businesses, generally those with fewer than 100 employees. It works somewhat similarly to a 401(k), but employers are required to contribute to employees’ accounts. A SIMPLE IRA can be easier to administer than a 401(k), but it’s important…
Key takeaways SBA loans have set maximum interest rates, making them a flexible and affordable business lending option. It can take 30 to 90 days for SBA loan approval and funding. Be sure to find an SBA lender with experience and volume in loan applications so you can have a…
Key takeaways A business credit card can help companies streamline their cash flow so they can expand their operations and continue to grow. To keep your business and personal finances separate, you may not want to apply for a business credit card with your Social Security number (SSN). Depending on…
Kentaroo Tryman/Maskot/Getty Images Key takeaways Both the Capital One Savor Student Cash Rewards Credit Card and Discover it® Student Cash Back are good options for students who want to build credit and earn rewards. The Capital One Savor Student Cash Rewards Credit Card is great for those who spend more…
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