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Key takeaways You can responsibly use a credit card for large purchases if you pay off the balance before it starts accruing interest. Using a credit card to pay for large but predictable expenses — like groceries, travel and appliances — can help you earn rewards and access additional benefits.…
Klaus Vedfelt/Getty Images New technology has changed the way many people get around. Ridesharing has become an incredibly popular transportation option, and that’s especially true in big cities where Uber and Lyft drivers are easy to find. With just your smartphone and a few taps of your finger, you can…
Carlina Teteris/Getty Images With so many rewards cards strategies to consider — like bonus categories, travel points and miles valuations and more — some cardholders opt to go the simpler route. A flat-rate cash back card lets you earn a consistent, unlimited rewards rate for every purchase you make. Redemption…
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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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Got a lead foot in Georgia? The financial sting of a speeding ticket extends beyond the upfront costs, which can range from $25 to $500, depending on how fast you were driving. In addition to state fines, drivers in Georgia pay an average of $702…
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Experience with the Program: How Debt Management Helped a First-Time Renter Katie’s journey shows clearly how debt management helped her regain control over…
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OBSERVATIONS FROM THE FINTECH SNARK TANKBankers wants to discuss AI strategy. They’re excited about chatbots, machine learning models, generative AI tools, and AI…
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Governance failures rarely announce themselves. They don’t begin with arguments, fines, or hearings. I didn’t expect to see these patterns in a small lakeside community governed by a Home Owners Association (HOA). Yet the familiar signs emerged. They start in the quiet corners where authority meets procedure and where small…
Year-end bonuses can provide a much-needed financial boost, and using that money wisely can make a meaningful difference in your financial health. But deciding whether to put your bonus toward paying down debt or saving can be challenging. Both options offer strong benefits, and the best choice ultimately depends on…
After a run of more than 230 years, the U.S. is done producing the penny. While the death of the little copper coin leaves many feeling nostalgic, producing it simply isn’t worth it for the U.S. Mint at 3.69 cents a pop — an increase of 1.42 cents over the…
Photo from Getty Images / Illustration by Bankrate Key takeaways Linking bank accounts makes it easier to transfer funds, automate savings, split direct deposits and potentially avoid certain fees such as overdraft or maintenance charges. Banks typically use strong security measures to protect your information when accounts are linked, including…
Financial misinformation isn’t new, but today, it’s supercharged. The 24/7 news cycle fueled by social media virality means you’re more likely than ever to consume inaccurate or misleading information every day. Sometimes these narratives, no matter how false, seep into our collective consciousness and give a false impression of our…
Key takeaways Bad credit auto loans are offered by banks, credit unions, online lenders and dealerships. Shop around to find the best deal on an auto loan for your budget and credit profile. If approved, an auto loan can help improve your credit — provided you keep up with the…
Key takeaways An auto loan can make car ownership possible by spreading out the purchase cost over years. It can help you afford a more reliable vehicle and increase your credit score. Auto loans also have their drawbacks, including high monthly payments, financial risk, vehicle depreciation and being stuck with…
A Roth IRA is a tax-advantaged retirement account many people use to build long-term savings, but its rules and benefits can be confusing. Because qualified withdrawals are tax-free, the investments you select inside the account may influence your future retirement income. Whether you are opening your first Roth IRA or…
Image by PM Images/Getty Images; Illustration by Hunter Newton/Bankrate Mortgage rates dipped this week, with the 30-year fixed rate averaging 6.32%, down from 6.37% the previous week, according to Bankrate’s latest lender survey. Current mortgage rates Loan type Current 4 weeks ago One year ago 52-week average 52-week low 30-year…
Image: Getty Images; Illustration: Bankrate Minimal movements for home equity rates this Thanksgiving week. The $30,000 home equity line of credit was unchanged, holding at 7.81% for the third week in a row, according to Bankrate’s national survey of lenders. Meanwhile, the benchmark five-year $30,000 home equity loan inched up…
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