There are a multitude of leveraged strategies aimed at retail investors. Most of these follow the performance of major indexes, while others track niche areas of the market like the semiconductor and biotech industries. With leveraged strategies, investors hope to capture additional return using the power of debt. What is…
Would you be upset if you found out your partner had a credit card you didn’t know about? On the flip side, have you ever fudged the numbers with your spouse about a recent shopping spree? Romantic relationships can come with mixed feelings about money. That’s why we asked more…
Tax credits and deductions are two powerful ways to save money on your taxes. Credits cut your tax bill dollar-for-dollar — they tend to be most valuable type of tax benefit for most taxpayers — while deductions reduce the amount of income subject to tax, which lowers your overall bill.…
Key takeaways Car title loans are a convenient way to get fast cash if you own your vehicle outright. These loans are risky though, as they use your vehicle as collateral and come with steep borrowing costs. Consider an alternative, like a credit card, personal loan or payday alternative loan,…
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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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Luis Alvarez/Getty Images Zelle is a mobile payment application that enables you to send money electronically from your bank account to the accounts of family members or friends. Conveniently, the money can appear in the recipient’s account almost instantly, and you don’t need to bother…
Dept Managmnt
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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Spot Bitcoin exchange-traded funds (ETFs) are among the newer entrants to the world of Bitcoin trading, joining Bitcoin futures ETFs, which have been trading since 2021. While both funds let traders wager on the price of Bitcoin cryptocurrency, they’re tremendously different in how they do so — and this difference…
Every business owner can benefit from knowing how to write a business plan, including those in the early stages of launching a business. A well-crafted business plan communicates the business’s strategy for growth to key leaders and investors. It’s also an important step to getting a business loan since many…
Key takeaways If you’re struggling to make car payments, you can talk to your lender about a car loan modification plan that could reduce payments, lower interest rates or shift your payment deadlines around. A car loan modification could be easier to obtain if you have provable hardship like a…
elenaleonova/GettyImages; Illustration by Hunter Newton/Bankrate Key takeaways Bad credit lenders may approve borrowers with credit scores in the upper 500s or lower. Loans for bad credit usually come with high annual percentage rates (APRs) and high costs. Beware of lenders that guarantee approval or require upfront fees — these are…
Key takeaways Popular SBA 7(a) lenders include Newtek Small Business Finance, Live Oak Bank,, The Huntington National Bank and Readycap Lending SBA 504 lenders have provided over $6 billion in funding to small businesses SBA 7(a) and 504 lenders approved more than 76,000 small business loans combined SBA loans are…
A dividend stock is a publicly traded company that regularly shares profits with shareholders through dividends. These companies tend to be both consistently profitable and committed to paying dividends for the foreseeable future. While perhaps less exciting than chasing the latest high-flyer in the stock market, dividends can account for…
Halfpoint Images/Getty Images Many people strive to achieve $1 million in savings before they reach retirement, but the reality is that most Americans struggle to meet that savings threshold. Average retirement account balances for those aged 55-64 averaged about $208,000 at the end of 2022 in plans administered by Vanguard,…
Warren Buffett is among the greatest investors of all time. His company, Berkshire Hathaway, has returned around 20 percent annually since Buffett took over in the 1960s, trouncing the S&P 500’s annual return over that time period. In 2024, Buffett has sold shares in some longtime holdings, such as Apple…
Key takeaways Most residential homebuyers and sellers work with a real estate agent who represents them in the transaction. Some agents specialize in representing either buyers or sellers, and dual agents may represent both parties in the same transaction. Real estate agents are typically compensated on a commission basis,…
Key takeaways There are many ways to get free financial advice from a variety of sources. It may be possible to see a financial advisor for free or at a reduced cost. When dealing with more complex financial planning issues, such as estate planning or starting a business, it may…
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