Retirement is a time for you to enjoy what you love—whether that’s traveling, spending time with family, or serving your community. If you want to live your retirement dream, you need a plan. And knowing the best cities to retire can help you make your hard-earned dollars go farther when…
Whether you’re nearing the tail-end of a lease agreement, you recently graduated college or you’re moving out on your own for the first time, apartment hunting can be both exciting and scary. But if you have a bad credit score, finding a property for rent is the easy part. It’s…
Images by GettyImages; illustration by Hunter Newton/Bankrate Wealth management is a comprehensive service focused on taking a holistic look at a client’s financial picture. It is generally considered a “high-end” service, and some wealth management firms may require a certain level of investment assets or a minimum net worth. For…
Key takeaways SBA lenders aren’t required to take collateral for most SBA loans under $50,000 SBA lenders will use their existing loan collateral policies to determine how much collateral you need to put up The SBA requires a personal guarantee for any owners with at least a 20 percent ownership…
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The Trump administration has been rapidly dismantling protections for student loan borrowers, leaving millions of Americans with diminishing options as…
Chime, the largest digital bank in America, grew its revenue to $1.7 billion in 2024, an increase of roughly 30%…
The Covid pandemic crushed immigration and demand for Nova Credit’s tech. Then its founder discovered a second line of business.…
Twenty-two years before he bet his company on bitcoin, MicroStrategy CEO Michael Saylor sat down for a long interview with…
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Key takeaways There is no right number of credit cards to own, but in general, most people should consider having at least two in case of emergencies or fraud. Having multiple credit cards helps reduce your utilization rate and provides lenders with…
Dept Managmnt
By Garrett Johnson Whether you are a new grad or a young adult entering your first full-time job, budgeting tips for new grads…
Banking
In my last column, I likened artificial intelligence to the wizard in “The Wizard of Oz.” It received a good reaction so I…
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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Hey, we’re not going to geek out on accounting terminology, but to understand tax liability, it’s helpful to be familiar with two basic accounting terms: assets and liabilities. Assets are things you own—think money, property, your collection of obsolete cell phones. Liabilities are money you owe to other people. In other words: Bills…
The 2025 tax season is approaching fast: Do you know how to find your tax bracket? In the U.S., your tax rate is tied to which bracket you fall into, based on your taxable income and filing status. Knowing how to calculate your tax rate — both your effective tax…
An IRA is a tax-advantaged investment account that you can use to save for retirement. Technically, IRA stands for Individual Retirement Arrangement, but the ‘A’ in the acronym is colloquially referred to as an account. IRAs are particularly valuable tools for the 33 percent of private industry workers in the…
Alistair Berg/Getty Images More people are shopping online, and that continues to grow in our heavily online world. According to a Bankrate Social Media Survey, 48 percent of users have made impulse purchases based on something they’ve seen on social media. More business owners are spotting the opportunity in e-commerce,…
Taxes . . . can’t live with ’em, can’t live (in America) without ’em. Whether we like it or not, income taxes are as much a part of American life as baseball and apple pie. And while we groan and grumble as we fill out our tax returns every spring,…
Richard Drury/ Getty Images; Illustration by Austin Courregé/Bankrate As the New Year looms, there’s a new low in home equity lending. The $30,000 HELOC (home equity line of credit) plunged nine basis points to 8.43 percent—rates we haven’t seen in about a year and a half, according to Bankrate’s national…
Key takeaways The average small business loan amount is $663,000, according to the Federal Reserve For fiscal year 2024, the average loan amount for all types of 7(a) loans from the Small Business Administration was $443,097, and the average amount for a 504 loan was $1.11 million Large national banks…
Credit Sesame discusses recovering from a financial setback by rebuilding your credit and confidence. Life is unpredictable, and financial setbacks can happen to anyone. Whether it is a job loss, medical expenses, or unexpected emergencies, these events can disrupt your financial stability and overwhelm you. However, recovery is possible. You…
Wouldn’t it be awesome if you didn’t have to pay taxes? It would be so cool to be able to go out, work hard, and bring that money home without Uncle Sam or one of his 50 little nephews taking a cut. It’s a nice dream, but here in the…
Key takeaways Chase and Wells Fargo feature a range of popular rewards credit cards for consumers and small businesses. Options from both banks include cash back credit cards and travel credit cards that offer point transfers to airline and hotel programs. Before you choose between these two issuers, make sure…
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