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…
Good news for those looking for more affordable housing: Rents keep falling. In October, rents fell for the 27th straight month year-over-year and the third consecutive month-over-month according to Realtor.com’s October Rental Report. The median asking rent for a 0-2 bedroom property in the 50 largest U.S. metros was $1,969,…
PeopleImages/Getty Images Key takeaways CDs are among the safest places to keep your money, but early withdrawals or inflation can erode returns. FDIC or NCUA insurance protects up to $250,000 per depositor, per institution. Smart CD strategies — like laddering or using no-penalty CDs — can help you avoid losses…
Key takeaways Mobile banking is secure when you use official apps and follow best practices. Major banks invest billions in cybersecurity, but user habits still matter. With the right steps — like multi-factor authentication and strong passwords — mobile banking can be safer than visiting a branch. Mobile banking is…
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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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Many businesses, even those that are profitable and well-run, might occasionally need to carry debt. Balance transfer credit cards can help you consolidate high-interest debt and work on paying it off over time at a lower or 0 percent APR. But be warned, balance transfer…
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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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Markets are soaring. Valuations are swelling. And enthusiasm for all things artificial intelligence is pumping hundreds of billions of dollars into the most transformational technology of the modern era. “AI isn’t just another theme; it’s the culmination of decades of evolution in computing,” Jon Markman, a Forbes contributor who analyzes…
Image by GettyImages; Illustration by Bankrate It’s a mixed showing for home equity rates as the Federal Reserve lowered interest rates by a quarter point, its second rate reduction in 2025. The benchmark 5-year $30,000 home equity loan fell nine basis points to 8.02 percent, its lowest level since March…
Images by Getty Images; Illustration by Hunter Newton/Bankrate Economic uncertainty over the potential impact of President Trump’s tariff policies on the cost of American goods and services has dimmed the prospects for lower personal loan rates for the remainder of 2025. At its October meeting, the Fed cut rates for…
Image by PM Images/Getty Images; Illustration by Hunter Newton/Bankrate Mortgage rates edged lower again this week, with the 30-year fixed rate averaging 6.25 percent, down slightly from 6.26 percent the previous week, according to Bankrate’s latest lender survey. Current mortgage rates Loan type Current 4 weeks ago One year ago…
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…
Fixed-rate HELOCs are the talk of the town lately among home equity lenders and industry insiders. Home equity isn’t the flashiest corner of consumer finance, so it’s noteworthy when a buzzy new trend emerges. I talk with home lending experts all the time, and they keep telling me the same…
The Federal Reserve is widely expected to cut interest rates again at its October meeting, bringing its key borrowing rate down to a level last seen in late 2022. Don’t count on it to cure all of your financial woes. Like a line of falling dominos, lower rates from the…
Key takeaways To qualify for a home equity loan or line of credit, you’ll typically need to maintain at least 20 percent equity in your home (including both your existing mortgage and the new equity loan or line of credit). Some lenders allow 15 percent. You’ll also need a solid…
Key takeaways A bump-up CD allows you to increase your interest rate one or more times during the CD’s term if rates rise, typically on 2-3 year terms. Bump-up CDs typically start with APYs that are 0.10-0.25 percentage points lower than traditional CDs of the same term, according to Bankrate…
Key takeaways The Federal Reserve’s interest-rate decisions have a wide-ranging influence on your personal finances, affecting more than just your financing costs but also your job security and purchasing power. When the Fed’s key interest rate falls (or rises), the borrowing costs you pay follow suit, influencing the cost of…
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