Images by GettyImages; Illustration by Hunter Newton/Bankrate Key takeaways You may be able to access funding from an emergency loan on the same day you apply, depending on the lender and your finances. Most emergency loan lenders will send you the funds within a few business days of approval. Checking…
Key takeaways Prescreened credit card offers target qualified consumers based on their credit score, credit utilization, and location. Advantages of presecreened offers include saving time when comparison shopping. Disadvantages include increased junk mail and the risk of identity theft. You can choose to opt out of prescreened offers.…
Nobody likes getting an audit notice in the mail, which is why it’s critical to complete your business taxes in a thorough, correct and timely manner. Unfortunately, it’s easy to get tangled in the details of tax code and feel overwhelmed by all the ins and outs of your paperwork.…
Key takeaways You don’t need to put 20 percent down to get a mortgage, and some mortgages don’t even require a down payment. You can get a conventional mortgage with 3 percent down, but with anything less than 20 percent, you’ll have to pay mortgage insurance. Making a larger down…
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Technology has transformed some parts of the daunting homebuying process–making it easier to search and compare properties online, to prepare…
The Covid pandemic crushed immigration and demand for Nova Credit’s tech. Then its founder discovered a second line of business.…
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…
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If you’ve ever paid money to Uncle Sam, you’re probably familiar with Form 1040. The 1040 is the foundation of tax filing in the U.S. and, along with various accompanying schedules and supporting forms, is where you calculate whether you owe money to the IRS…
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Key takeaways Governments often borrow money to cover deficits when taxes and other revenues don’t cover expenses. The national debt is the total…
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From Mount Olive, North Carolina to Anchorage, Alaska, each of the top 10 banks on Forbes’ ranking of 100 publicly traded banks are…
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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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Ariel Skelley/Getty Images: Illustration by Issiah Davis/Bankrate Key takeaways To release a cosigner, you may have to refinance the loan, complete the cosigner release paperwork or pay off the loan. A cosigner has no legal right to the ownership of the vehicle on their own. The process of switching a…
Key takeaways A car lease agreement is a legal contract laying out the terms of paying for and using a car over a set period of time. Before you sign a lease agreement, make sure you understand its terms, such as acquisition fees or monthly payments. You may also notice…
Morsa Images/Getty Images The Fortune 500 is a list of the largest 500 companies in the United States ranked by total revenue. Since 1955, Fortune magazine has published the annual list, and it is considered one of the most well-known corporate rankings. The Fortune 500 list can be found online…
Key takeaways Lending discrimination is not new, but policies such as the Equal Credit Opportunity Act penalize lenders for discriminatory practices. Critics of current credit-scoring models argue that inputs such as income and homeownership still include racial bias. Communities of color often have less access to financial services for various…
Balance transfer credit cards can be a valuable tool if you’re stuck paying off credit card debt with a high APR. After all, the right balance transfer card can help you consolidate and pay down debt with zero interest for a limited time, which could help you pay off debt…
Key takeaways The statement balance is the amount owed at the end of your billing cycle, while the current balance is the amount you owe at a particular moment. Your statement balance can differ from your current balance due to recent transactions or refunds. You can avoid interest charges by…
Key takeaways Your monthly credit card statement includes a variety of information pertaining to the current status of your credit card account. In addition to providing a record of your charges and payments, credit card statements also include information about fees, APRs, rewards and more. Learning how to read a…
Key takeaways Delta SkyMiles Shopping lets program members earn extra Delta miles for each dollar they spend at participating stores. Members can earn bonus miles at more than 1,000 online retailers through the portal, including popular stores like Apple, Kohl’s and Sephora. Using the Delta shopping portal is free and…
praetorianphoto/GettyImages; Illustration by Hunter Newton/Bankrate Key takeaways Leasing a car before buying allows you to test the car before committing to a loan — and potentially save on monthly payments. Before buying a leased car, assess its condition and future resale value. In some cases, it may be cheaper to…
Key takeaways Rewards checking accounts offer cash back on debit card purchases and/or competitive interest rates on account balances. Many rewards checking accounts have caps on earning potential, such as limiting a high APY to a small balance or restricting monthly cash back eligibility. Before opening a rewards checking account,…
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