So, you’re eager to pay off your mortgage early? That’s a great financial goal to set for yourself! Not only is there huge freedom in being completely debt-free and living in a paid-for house, but it’s also a great way to build wealth—getting rid of your house payment leaves you…
Key takeaways With a solid two miles per dollar earning structure and healthy welcome offer opportunity, the Capital One Venture Rewards Credit Card is a good choice for both simplicity and for maximizing rewards on everyday purchases. Make the card worth the annual fee by fully using perks such as…
Bonds are known for the role that they play in adding diversification to a portfolio. Their stable income stream and relatively conservative risk profile give investors some peace of mind when it comes to weathering the market’s ups and downs. But are all bonds low risk? And what risks are…
It might feel impossible to save a down payment while renting. After all, rent is expensive! And it’s not getting any cheaper. The national median rent for a two-bedroom apartment is $1,374.1 So, how in the world are you supposed to save a down payment big enough to buy a…
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The Biden administration got a surprise victory this week in an ongoing legal challenge over a key student loan forgiveness…
After being valued at $13.4 billion in 2021, fintech’s data plumber saw growth slow dramatically. Now CEO Zach Perret is…
A major student loan relief program that has benefited millions of Americans is about to end later this month. And…
Both Donald Trump and Kamala Harris are promoting a troubling idea: Hyper-targeting tax subsidies to narrowly favored activities or occupations.…
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So, you’re killing it as your own boss, or you’re part of the backbone of the American economy working at a small business. You’ve got your business or career plan in place—but what about your retirement plan? Are there options out there for you? Don’t…
Dept Managmnt
1. Identify Your Financial Goals Do you want to stop living pay cheque to pay cheque? Do you want to be debt-free by…
Banking
Over the past few years, fintechs and the banks they partner with have increasingly run afoul of compliance regulations, and Sima Gandhi has…
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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Key takeaways IHG One Rewards is a free loyalty program for the InterContinental Hotels Group that lets members earn points toward free hotel stays and other types of redemptions. Program members who climb the elite status tiers also get additional perks like late check-out, early check-in and complimentary upgrades when…
elenaleonova/GettyImages; Illustration by Hunter Newton/Bankrate Key takeaways Bad credit lenders may approve borrowers with credit scores in the upper 500s or lower. Loans for bad credit usually come with high annual percentage rates (APRs) and high costs. Beware of lenders that guarantee approval or require upfront fees — these are…
Creating a reliable and adequate income stream from investments is one of the main goals of retirement planning. Learning how to do this involves assessing current finances and other retirement income sources, such as Social Security, and then choosing investments that can provide income that is consistent, sufficient and will…
It doesn’t matter whether you operate a B2C retail location or a B2B consulting company, customers tend to like flexibility when it comes to paying, which often means paying on credit. A merchant account can give you the tools needed to accept and reconcile different types of payments more efficiently.…
Whether you’re thinking about buying a house in Florida or selling the one you currently own, there will be one cloud in the Sunshine State sky: closing costs. These encompass the many extra fees involved in a real estate transaction beyond the property’s asking price. While Florida is known for…
No one likes the idea of losing money in the stock market, but sometimes taking a loss can actually work to your advantage. Tax-loss harvesting allows you to realize losses and get a tax break for doing so, allowing you to lower your taxable income or offset gains in other…
Disputing a charge — whether you were double-billed, overcharged or hit with credit card fraud — is one of your rights under the Fair Credit Billing Act. And while it should be (and often is) fairly simple, the process varies widely by credit card, card issuer, the merchant and your…
Key takeaways The major advantage of credit-building products is the potential to improve or establish your credit score. Higher rates and restrictions on how and when you receive funds are common drawbacks to credit-builder loans. Your local bank or credit union may offer small-dollar loans at much lower rates than…
Capital gains tax on commercial property can vary depending on factors like the length of ownership and the taxpayer’s income level. When a commercial property is sold at a profit, the difference between the property basis and the sale price is subject to capital gains tax. Understanding how the capital…
Tax-advantaged retirement accounts such as traditional and Roth IRAs are important tools for retirement planners accumulating wealth to provide for a secure retirement. And, under the right circumstances, individuals can continue to take advantage of these tax benefits by contributing to traditional or Roth IRAs after they have retired. The…
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