Images By Tang Ming Tung/Getty Images Key takeaways Both the Wells Fargo Active Cash® Card and the Citi Double Cash® Card offer 2 percent cash back on purchases. With the Citi Double Cash Card, you’ll earn 1 percent cash back as you make purchases and another 1 percent cash back…
If reviewing your home insurance policy isn’t on your financial checklist, now might be a good time to add it. Although inflation has slowed, rebuilding costs increased from 2023 to 2024, according to a recent analysis from Verisk. Costs are expected to keep rising until at least April 2025. If…
Key takeaways Credit reporting agencies are the companies that compile information from creditors to create your credit reports. Experian, Equifax and TransUnion are the three main credit reporting agencies, but many others exist. You have the right to review your credit reports and dispute inaccurate information. Credit reports provide a…
A gold IRA may be an attractive investment if you’re looking to take advantage of the many tax benefits of an IRA retirement account. An IRA allows savers to amass money — either on a tax-deferred or tax-free basis — and compound their money faster than in a taxable account. Adding…
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A perfect storm is brewing for millions of federal student loan borrowers, who may experience dramatic increases in their monthly…
As the Biden administration exits Washington, President-elect Donald Trump inherits a federal student loan system that looks much different than…
Republican lawmakers in Congress are circulating a number of proposals to cut federal spending as part of a massive bill…
Wildfires in southern California have burned at least 47,000 acres in the Los Angeles area—the largest blaze, the Palisades Fire,…
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Thomas Barwick/Getty Images We often forget that cars are inherently dangerous due to their size, weight and rate of speed. This is why almost every state in the U.S. (New Hampshire is the exception) requires drivers to have car insurance. As a form of financial…
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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 The Chase Freedom Flex® is best suited for those who want to earn boosted rewards on rotating categories without paying an annual fee. Along with a solid welcome offer, the Chase Freedom Flex also comes with an intro APR offer on both purchases and…
Saving for your grandchildren can help to minimize the financial burdens they may encounter as they mature. Whether it’s paying for college, buying a first home or providing a safety net in an uncertain job market, these funds can make a significant difference. Here are the best ways to build…
10’000 Hours/Getty Images Adjusted gross income, or AGI, is your total gross income (before taxes) minus certain tax deductions, known as adjustments. Gross income includes wages, dividends, interest, government benefits, retirement distributions, capital gains and more. To calculate adjusted gross income, you subtract from gross income any above-the-line deductions, or…
Key takeaways Personal loans come in many forms, including secured and unsecured loans, debt consolidation loans and personal lines of credit. Unsecured personal loans are common among lenders and don’t require collateral. Secured personal loans are less common and require collateral — but usually offer lower interest rates. You can…
Maskot/ Getty Images; Illustration by Austin Courregé/Bankrate Key takeaways The best time to buy a car is typically at the end of the year, during holidays or at the beginning of the week. Mondays are often the best day to buy a car as salespeople are more focused on potential…
If you’re looking to buy a home, the Federal Reserve’s recent rate cuts might help lower mortgage rates. However, Fed cuts also impact savings account rates, which could make it harder to grow funds for a down payment, closing costs and other homebuying expenses. Yet, you shouldn’t base your down…
Key takeaways Return of premium life insurance refunds most or all of your premium payments if you outlive the term length of your policy. Due to the refund feature, this policy type will generally cost more than a standard term policy. Premium refunds are tax-free but typically don’t include the…
California has ambitious plans to completely phase out the sale of new non-EV vehicles over the next decade, but what does that mean for drivers’ pockets in the state? Starting in 2026, California will embark on a plan to phase out the sale of gas-powered passenger vehicles, with a goal…
Key takeaways The Federal Reserve’s interest-rate decisions have a wide-ranging influence on the economy, affecting job security, financing costs and the direction of the economy. When the Federal Reserve’s key interest rate falls, borrowing costs for consumers also decrease, influencing the cost of financing purchases with credit cards, car loans,…
Key takeaways Both the Capital One Savor Student Cash Rewards Credit Cards and Discover it® Student Cash Back are good options for students who want to build credit and earn rewards. The Capital One Savor Student Cash Rewards Credit Card is great for those who spend more on groceries and…
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