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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America’s top investors have achieved double-digit returns for years, sometimes decades. Following these top investors is a great strategy for two reasons. First, you can learn how these investors think and operate, potentially raising your own financial IQ. Second, their investments may offer you attractive ideas that you can choose…
Credit Sesame discusses the pandemic effect and the ripples still affecting the U.S. economy. Since early 2020 and for the next few years, life was dominated by the pandemic and its after-effects. In 2024, life seemed to be back to normal. The pandemic also had a huge impact on the…
The whole student loan situation over the last three-and-a-half years has been a dumpster fire (to say the least). From payment pauses to failed forgiveness, borrowers have had to deal with so much back and forth from the government, they could probably sue for whiplash. Now that borrowers are finally…
Key takeaways Standard FDIC and NCUA insurance covers up to $250,000 of deposits and interest earned on those deposits. Online-only banks also provide FDIC insurance, but fintech companies aren’t part of the FDIC network. Before you open an account at a bank or credit union, it’s wise to verify that…
Stocks are a popular investment: 46 percent of Americans owned a stock-related investment in 2023, compared to 43 percent in 2022, according to a recent Bankrate survey. But stocks can also make great gifts, appreciating in value well beyond the initial gift amount. In many ways, it’s the gift that…
Key takeaways Small businesses operating on thin margins can often be forced to close after disasters like weather events, economic upheaval or pandemics. Supporting local small businesses can help them recover faster and bolster the local economy at the same time. You can support small businesses locally and beyond by…
*All information included in this article was current on its publication date and is subject to change. Because business credit cards don’t require collateral and are easy to use and apply for, they’re a very common way for small businesses to secure a boost of funding. If you’ve ever applied…
Christmas is one of the best times of the year. And if you have kids, you know the joy of seeing their faces light up when they realize Santa squeezed himself down the chimney, dropped off a roomful of presents, and ate all the cookies in the house. It’s magical! No…
The holidays are quickly approaching, and your shopping may already be in full swing as you search for the perfect presents and festive decorations to celebrate Christmas, Hanukkah or Kwanzaa. Shoppers expect to spend an average of $902 per person on gifts and other holiday expenses during the 2024 holiday…
Exchange-traded funds (ETFs) have been a staple of investors’ portfolios for decades, and for good reasons. They give investors the opportunity to own various types of securities in a single fund, usually within one category or sector — providing diversification and lower costs, because many of them are passively managed.…
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