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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Key takeaways A money order is similar to a check, except the money for it is taken out of your account at the time of purchase instead of when the recipient cashes it. You’ll have a difficult time finding a merchant willing to accept cards for money order purchases. If…
Key takeaways Preapproval will help you get the best rate available and give you leverage to negotiate at the dealership. Consider the overall cost of an auto loan in addition to the monthly payment — and don’t clue the dealership salesperson in on your budget too early. Shop around with…
Key takeaways Stocks can be categorized in many ways, including common, preferred, growth, value, dividend and foreign, as well as by market cap and sector. Stocks don’t neatly fall into one type. Every stock has a market cap, a sector and other characteristics that can define it and shift over…
Image by GettyImages; Illustration by Bankrate Key takeaways A business credit score is like your personal credit score, only it applies to the financial health of your business. Business credit scores help separate your personal and business finances, lower insurance rates and make business financing more accessible. Business credit scores…
Key takeaways According to a new Realtor.com report, more than a quarter of U.S. homes, worth $12.7 trillion, face extreme hurricane, flood or wildfire risks, with many properties underinsured or lacking coverage. Rising home insurance costs and insurer withdrawals from high-risk areas are leaving many homeowners with unaffordable premiums, high…
Serhii Sobolevskyi/Getty Images Par for cryptocurrencies, Ethereum has been volatile since day one and ruled by whims over its nearly 10-year life. Case in point: A game called CryptoKitties launched on Ethereum in November 2017, allowing players to buy, breed and trade digital cats. The game briefly went viral, taking…
Glen Wagstaff, an attorney based in Utah, opened an international consulting firm a couple of years ago. His first client was an ice cream company in Brazil. Wagstaff and his team helped them get FDA approval. “They were the first ice cream company in the history of Brazil to get…
Is this method of consolidating debts a good idea? If you are considering using a credit card as a debt consolidation option here is what you need to know. A low interest credit card often comes with strings attached, so be very cautious if you’re considering applying for a new…
Key takeaways Business credit cards offer unique benefits such as the ability to build business credit and better access to record-keeping tools and employee spending tracking. Personal credit cards allow you to build personal credit, offer long 0 percent intro APR periods and consumer protections. Both personal and business cards…
The idea of investing can be intimidating for many beginner investors who are just starting out, but it’s an important part of saving for various financial goals and building wealth. You’ll encounter many different market environments throughout your investing life, so don’t get too caught up in whether right now…
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