At a time of sticky inflation and a softening job market, extra money in the bank can serve as a lifeline for many consumers. Yet 8 in 10 Americans did not increase their emergency savings this year, a new Bankrate survey found, leaving them in no better financial position to…
While the top ten largest credit unions still hold significantly less in assets than even the top five largest banks, they have been growing considerably in recent years. Just within the last five years, total assets in federally insured credit unions have risen by approximately 45 percent over the past…
Key Takeaways: Transition Challenges: Veterans face unique financial challenges when transitioning from military to civilian life, including employment hurdles, healthcare costs, and housing instability. Employment and Economic Stability: Despite strong leadership skills, veterans often encounter unemployment or underemployment due to skill mismatches. Support from programs like VETS and the GI…
Key takeaways Most unemployment payment delays happen due to missing information, fraud checks, or system backlogs. You can often fix the issue by verifying your ID, submitting missing documentation, or updating your payment profile. While you wait, contact lenders to negotiate temporary relief and use savings accounts or short-term loans…
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The nation’s 75 million Social Security recipients will receive a 2.8% cost of living adjustment (COLA) increase in their benefits…
Historically Black colleges and universities are on the frontlines of the One Big Beautiful Bill Act’s new limits on parent…
The big new fees JPMorgan Chase is planning to charge some financial technology companies may well trickle down to consumers,…
With artificial intelligence beginning to eat away at many white-collar entry-level jobs, and the unemployment rate for recent college graduates…
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Reaching age 65 doesn’t automatically change how the IRS taxes your 401(k) withdrawals. Instead, it taxes distributions from a traditional 401(k) as ordinary income, just like wages or Social Security benefits. Your tax rate depends on your total taxable income and filing status in the…
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The Downsides of Credit Card Churning and Why It Is Risky You may be asking yourself, “Those benefits sound great, why is credit…
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The fundamental flaws in the way the Federal Reserve operates these days were on full display Wednesday when Jerome Powell talked to the…
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Cash may no longer be king these days, thanks to the convenience of electronic payments, although you might occasionally want some bucks to slip into a birthday card or tip a driver. Accessing your money keeps getting more expensive, however, if you’re using out-of-network ATMs. In fact, the average total…
Image provided by Ryan Flanigan Key takeaways Stack relevant discounted gift cards throughout the year. Use points and miles to cover flights and hotel nights. Take advantage of hotels within walking distance for early park access. Use statement credits to offset vacation charges. Going to a vacation destination like Disney…
You have money questions. Bankrate has answers. Our experts have been helping you master your money for over four decades. We continually strive to provide consumers with the expert advice and tools needed to succeed throughout life’s financial journey. Bankrate follows a strict editorial policy, so you can trust that…
Franek Strzeszewski/Getty Images Key takeaways Capital One offers referral bonuses for cardholders who get their friends and family to apply for their own cards. While there is no limit to how many referrals you can make, there is a limit to how much you can earn from referrals per year…
Key takeaways Credit card shopping portals are offered through most of the major card issuers, and some airlines have dedicated portals of their own. An online shopping portal can help you ‘stack’ more cash back or points with the rewards you’re already earning with a credit card. To use an…
Key takeaways To refinance your mortgage with a bad credit score, check with your current lender to start since you already have an established relationship with it. You can also explore government-backed loan options to refinance with bad credit, such as an FHA loan or VA loan, as long as…
Photography by Getty Images Key takeaways Balance transfer cards can be a helpful financial tool for paying off credit card debt or an expensive purchase over time without incurring interest charges. The U.S. Bank Shield™ Visa® Card* offers a cellphone protection benefit, not commonly found with this type of card,…
MoMo Productions/Getty Images Key takeaways Certificates of deposit (CDs), savings and money market accounts all earn interest while keeping your money safe at federally insured banks and credit unions, but they differ in flexibility and access. Savings and money market accounts work best for short- to medium-term goals, since you…
You have money questions. Bankrate has answers. Our experts have been helping you master your money for over four decades. We continually strive to provide consumers with the expert advice and tools needed to succeed throughout life’s financial journey. Bankrate follows a strict editorial policy, so you can trust that…
Images by GettyImages; Illustration by Hunter Newton/Bankrate Key takeaways A no-down-payment mortgage allows you to finance 100 percent of your home, but you’ll likely still have to pay closing costs — or roll them into your mortgage. VA loans and USDA loans don’t typically require a down payment. If you…
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