Running a small business can be precarious. A few slow months of sales, damage to a building or excess inventory bill can quickly throw off your cash flow and force you to close. This is why having cash reserves is essential to keeping your company afloat. Cash reserves act as…
Managing your finances effectively doesn’t have to be overwhelming. Financial wellness apps simplify essential money tasks like budgeting and investing, helping you take control of your financial future. But with so many apps available, how do you know which one to choose? This guide dives into what financial wellness apps…
ATM fees are among the most commonly charged banking fees — and they’ve hit a record high. The average total ATM fees are $4.77, according to Bankrate’s 2024 checking account and ATM fee study. Fortunately, many banks and credit unions are making it possible for customers to take out cash…
Key takeaways Social media is a popular, often free marketing tool among small business owners Small businesses can use social media to build brand awareness with minimal upfront costs You can leverage social media for business by engaging with customers and overcoming pain points Customers expect you to interact with…
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As the Biden administration exits Washington, President-elect Donald Trump inherits a federal student loan system that looks much different than…
When most people think of identity theft, they envision criminals and other miscreants using their private data to open new…
Wildfires in southern California have burned at least 47,000 acres in the Los Angeles area—the largest blaze, the Palisades Fire,…
Washington is abuzz over whether Congress will address President-elect Donald Trump’s ambitious policy agenda in one bill or two. But…
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President Donald Trump signed dozens of executive actions on his first day in office, including some that could impact your taxes. Two executive orders focused on federal employees, including the imposition of a hiring freeze and a requirement that federal government employees return to the…
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Key takeaways A balance transfer fee is what credit card issuers charge when you transfer debt, usually credit card debt, to another credit…
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No matter how often bank regulators, international standard setters, rating agencies, or financial reform advocates warn banks that climate change is serious, the…
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Key takeaways The Southwest Companion Pass is attainable by using Southwest credit card welcome bonuses to meet the 135,000-point requirement. Applying for a…
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Key takeaways Knowing your partner’s finances before marriage can help you avoid later money surprises. Having a financial plan may help you avoid arguments about finances. Talking about money should be a regular part of your relationship before and after marriage. The magic of your wedding day and honeymoon may…
I love traveling as much as I hate paying for it. This attitude helped me perfect the ways I can save as much money as I can, wherever I go. Take my latest trip to Germany, for example. I just spent nine days in Berlin in late November, catching the…
Key takeaways Wage garnishment is a potential consequence of not paying credit card debt, where part of each paycheck is taken to pay off the debt. Federal law limits the amount that can be garnished from each paycheck, but some states have stricter limitations. To avoid wage garnishment, reach out…
Motortion Films/Shutterstock Searching for ways to help your child pay for college? The parent PLUS loan is a student loan from the U.S. Department of Education designed for qualifying parents of undergraduate students. The borrower can use the loan to pay for any eligible educational expenses not covered by other…
Direct Loans are federal student loans issued by the U.S. Department of Education. A great starting point for most borrowers, these loans offer both low interest rates and generous borrower protections. Federal Direct Loans are available for both undergraduate and graduate borrowers and may be used to cover various educational…
Artifacts Images/Getty Images Bonds are a great way to diversify your portfolio, but not all bonds are created equal. In fact, a big part of investing in bonds is knowing what type of risk you’re taking on before buying. To understand the types of risks associated with bonds, it helps…
Chris Sattlberger/GettyImages; Illustration by Hunter Newton/Bankrate Key takeaways California drivers must at least meet the liability auto insurance coverage requirements of 15/30/5 to drive legally. You can be fined up to $500 out of pocket if you are convicted of driving without insurance in California, depending on whether it’s your…
Fitness and technology continue to merge creatively, offering alternatives to traditional gym memberships. A growing trend combines physical activity with financial incentives, letting you earn rewards while working toward your health goals. These apps range from step-counting rewards to weight-loss challenges, adding financial motivation to your fitness routine. 1. Sweatcoin…
Business financing is often necessary for small businesses to grow when they lack the income or capital to expand on their own. But it’s important to understand the risks of taking on business loan debt. Without a thorough understanding of how small business financing works, you could lose assets or…
Teaching kids about money has taken on new complexity in our digital age. While previous generations learned financial basics through piggy banks and cash allowances, today’s parents are turning to technology to help children understand modern money management. Digital budgeting tools now enable kids to experience real-world financial decisions —…
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