Most people dismiss billionaire Michael Saylor’s publicly traded MicroStrategy as a giant, risky bet on bitcoin. A closer look reveals a masterwork that’s a blueprint for manipulating traditional finance to harness the pixie dust fueling crypto mania. By Nina Bambysheva, Forbes Staff New Year’s Eve at Villa Vecchia is a…
Key takeaways Using a personal loan to pay off credit card debt could be a smart move if you can secure a lower rate or are juggling multiple credit card payments Paying off credit card debt with a personal loan may not be right for you if you’re overwhelmed by…
Everyone has spending limits—even the government. Believe it or not, though the American government has a habit of spending like it’s going out of style, there’s actually a limit to the amount of debt it can take on. This limit is called the debt ceiling. And since 1960, the government…
Improving your financial literacy is a constant journey. But with the start of a new year, there is no better time to focus on it a little more to start the year refreshed. A strong foundation in money management can help you make smarter decisions, avoid common pitfalls, and achieve…
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A perfect storm is brewing for millions of federal student loan borrowers, who may experience dramatic increases in their monthly…
As the Biden administration exits Washington, President-elect Donald Trump inherits a federal student loan system that looks much different than…
Republican lawmakers in Congress are circulating a number of proposals to cut federal spending as part of a massive bill…
Washington is abuzz over whether Congress will address President-elect Donald Trump’s ambitious policy agenda in one bill or two. But…
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Credit Sesame reveals how the minimum payment trap can lead to costly debt and signal deeper financial trouble. New data from the Federal Reserve Bank of Philadelphia found that the percentage of credit card customers making just the minimum payments on their cards has reached…
Dept Managmnt
Key takeaways A balance transfer fee is what credit card issuers charge when you transfer debt, usually credit card debt, to another credit…
Banking
No matter how often bank regulators, international standard setters, rating agencies, or financial reform advocates warn banks that climate change is serious, the…
Credit Cards
Key takeaways The Bank of America® Unlimited Cash Rewards credit card offers a flat 1.5 percent cash back on all purchases. Bank of…
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kate_sept2004 / Getty Images Key takeaways Business grants are usually taxable In certain instances, your grant may be nontaxable You can find out if grant money is taxable by researching federal or state laws, contacting the grant organization or consulting a tax professional Always maintain good financial records to avoid…
High-yield bonds can offer a way for investors to earn higher returns if they’re comfortable taking on additional credit risk. High-yield bonds are issued by entities with low credit ratings from bond rating agencies such as Moody’s, Standard & Poor’s and Fitch. Bonds with ratings below a certain threshold are…
whyframestudio/Getty Images Your business just received a large, unexpected purchase for your products that could lead to a huge boost in revenue as well as your business’s reputation. Problem: you don’t have enough product on hand, and you won’t receive payment until the order is filled. That’s where purchase order…
Stop us if you’ve been here before: You run into some kind of issue, and instead of calling someone else for help, you try to solve it on your own—even when you definitely shouldn’t. Maybe your car won’t start, and even though you know nothing about cars aside from how…
The holiday season is upon us, and with it comes the inevitable scramble for last-minute gifts. Whether you’ve been caught off guard by a surprise invitation or simply lost track of time, the pressure of finding the perfect gift can be overwhelming. DIY gifts offer a personalized and heartfelt alternative…
ImagePixel/Getty Images: Illustration by Issiah Davis/Bankrate Key takeaways Renting your home on Airbnb may not be covered by your homeowners insurance if it is considered a business activity. Airbnb offers a free insurance plan called AirCover, but it may not cover all potential damages or liabilities. It is important to…
A dividend stock is a publicly traded company that regularly shares profits with shareholders through dividends. These companies tend to be both consistently profitable and committed to paying dividends for the foreseeable future. While perhaps less exciting than chasing the latest high-flyer in the stock market, dividends can account for…
Business financing is often necessary for small businesses to grow when they lack the income or capital to expand on their own. But it’s important to understand the risks of taking on business loan debt. Without a thorough understanding of how small business financing works, you could lose assets or…
Credit Sesame discusses expectations for interest rate cuts in 2025 and the effect on the stock market. The Federal Reserve delivered one of the most unpopular rate cuts in recent history at the December 18 meeting, the last in 2024. The Federal Open Market Committee (FOMC) announced a 0.25% rate…
This year definitely had its challenges. Between high prices and election tension, you might be tempted to just shut the book on the past and start over on January 1. But listen: Reflecting on what went right—and wrong—in 2024 can make a huge impact on how you handle your money…
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