Key takeaways Personify and OneMain Financial are top lenders for borrowers with bad credit, but both have high rates and fees. OneMain Financial has more competitive rates and faster funding times, which is handy for emergency expenses. Personify has a lower minimum loan amount, making it a good option for…
Winning the lottery is incredibly rare, but someone has to win. If you’re one of the lucky ones, the financial windfall can be life-changing. But winning the lottery isn’t an instant ticket to lifelong financial freedom. Some sources suggest that as many as 70 percent of lottery winners eventually declare…
Phynart Studio/Getty Images: Illustration by Issiah Davis/Bankrate Key takeaways Finding the best fast business loan involves figuring out how much loan you can afford and comparing loan types and lenders To apply for a fast business loan, you’ll need to check the lender’s requirements and gather the correct documentation Always…
Credit Sesame explains how certain jobs come with credit building challenges and the steps you can take to help overcome them. 1. Freelancers and gig workers Being your own boss sounds great, but inconsistent income, fluctuating earnings, and a lack of traditional pay stubs can make lenders wary. According to…
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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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Can you count a local sports team sponsorship as a business expense? If you discuss your advertising strategy over coffee with your partner, is it considered a business lunch? And just what does a certified public accountant do when you hand them a pile of…
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Key takeaways A balance transfer fee is what credit card issuers charge when you transfer debt, usually credit card debt, to another credit…
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No matter how often bank regulators, international standard setters, rating agencies, or financial reform advocates warn banks that climate change is serious, the…
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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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If you want to qualify for financial aid to help pay for college, you’ll need to submit the Free Application for Federal Student Aid (FAFSA). The FAFSA is a free application that the government and colleges use to decide how much money to give you for school. You can apply each…
When it comes to providing strong customer service, banks with extended branch hours and friendly phone support have traditionally stood out. Nowadays, an added component of the customer experience is how well a bank’s mobile banking features meet people’s needs. Priorities for bank customers these days often include aspects such…
Music memorabilia has always been popular with collectors, and there have been several items with truly extraordinary price tags. According to Guitar World, a 1954 Fender Stratocaster owned by David Gilmour of Pink Floyd sold for $1.8 million at a 2019 Christie’s auction, while one owned by Jerry Garcia of…
Key takeaways Average business loan interest rates range from 7 percent to 99 percent depending on the type of loan and the lender SBA loans offer low-interest loans to many types of business owners, including startups and bad credit borrowers Factors that can affect interest rate include the Federal Reserve’s…
Key takeaways Unemployment benefits are usually protected from wage garnishment. In some cases, your unemployment benefits can be garnished if you owe income taxes, student loan debt, child support or alimony. Filing for bankruptcy may help you protect your unemployment benefits from garnishment even for these reasons. Making a plan…
Whether your kids are still crawling around the living room floor or getting ready to graduate from high school, there are plenty of ways you can give them a head start on their financial future. After all, time and compound growth are on their side—and that’s perfect for kick-starting your…
I was 24 when I got my first credit card, and for a long time it was my one and only. Even though I’ve been writing about credit cards and rewards for a while now, I don’t keep many cards in my wallet and I refuse to pay an annual…
The average American says they need an annual income of $520,000 to feel rich, according to Bankrate’s latest Financial Freedom Survey. While earning a lot of money may make you feel rich, there’s no amount that you can’t outspend. So, if you’re not transforming your high earnings into actual wealth, then…
With Donald Trump taking the White House in January 2025, many of the president-elect’s supporters hope he will bring a better economy, cut taxes and slash regulations for businesses in the United States. Trump is promising to implement the stances he put forth on the campaign trail, from tariffs on…
Credit Sesame’s personal finance news roundup December 7, 2024. Stories, news, politics and events impacting personal finance during the past week. Nearly 5% Thanksgiving online shopping transactions fraudulentFive cybersecurity predictions for 2025Job creation surged in November 20242025 Black Friday sales up from 2024Net job openings remained steady in October 2024Mortgage…
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