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Smoking and using tobacco in other forms can be hazardous to your health, and may also cost you money when you are considering the purchase of life insurance. Insurers assess the risks they will take on when they insure you, and the increased risk of illnesses such as cancer and…
Crispin la valiente / Getty Images Key takeaways The SBA backs a set percentage of SBA loans, so they charge lenders a guarantee fee in case a borrower defaults. A lender may roll the guarantee fee into the total loan amount or deduct it from the approved amount before funding.…
Key takeaways Rewards credit cards that offer travel-related benefits often come with restrictions on what’s considered a travel purchase. In addition to issuer-specific rules, merchant category codes affect whether individual purchases code as travel transactions. If an individual transaction does not code as travel, you won’t earn travel-category rewards or…
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San Francisco-based Chime, the largest digital bank in America, wants to go public at a price between $24 and $26…
President Trump’s 2026 budget would freeze spending for many services for older adults, deeply cut others, continue his efforts to…
A practice of Elon Musk and Tesla’s board raises questions about the company’s governance and the possible low valuation that…
While there has been much conversation on not buying from companies with poor diversity, little has been said about investing…
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Key takeaways Automotive companies plan vehicles years in advance, making it difficult and expensive to make changes as quickly as new tariffs require. Short-term discounts are available for automakers that use imported parts to assemble vehicles domestically. However, these may not be large enough —…
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Key takeaways Scammers use texts, calls, emails and letters to create a false sense of urgency about debt repayment. Always ask for detailed…
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For the fifth straight year, Forbes is partnering with market research firm Statista to rate insurance companies in the United States. But we…
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Despite all the hype around cryptocurrency, the vast majority of Americans say they’re uncomfortable investing in it, according to Bankrate’s 2025 Long-Term Investment Survey. Nearly 4 in 5 Americans (78 percent) say they’re not comfortable putting their investment dollars in crypto. So, what might be making Americans uncomfortable with cryptocurrency?…
Key takeaways Veteran business owners have more difficulty securing capital than non-veteran business owners Grants for veterans are available from various sources, including nonprofits and corporations In addition to grants and funding, certain resources offer veteran business owners mentorship, workshops and training Veteran-owned businesses play a significant role in the…
A Trump-backed tax plan currently advancing through Congress proposes significant changes to the federal taxation of overtime pay and tip income. Passed by the House on May 22, 2025, the “One Big Beautiful Bill Act” includes provisions that could allow eligible workers to exclude certain overtime earnings and tips from…
Key takeaways A guaranteed mortgage loan typically offers looser eligibility requirements — such as lower credit scores and higher debt loads — than a conventional loan. Private-sector lenders fund guaranteed mortgages, but they’re backed by guarantors, often government agencies, that will pay the lender if the borrower defaults. Many low-down-payment…
Bitcoin is one kind of digital currency or cryptocurrency, a medium of exchange that exists exclusively online. The currency broke into mainstream consciousness in 2017 — as its price ran up thousands of dollars over the course of the year — and it now sports a market cap of more…
With the Tax Cuts and Jobs Act (TCJA) set to expire at the end of 2025, tax policy is once again front and center. On May 22, 2025, the House passed a sweeping tax proposal, officially titled “One Big Beautiful Bill Act,” by a 215–214 vote. The bill aims to…
A personal guarantee on a credit card makes you personally responsible for all payments and any resulting debt charged to that card. A business card with no personal guarantee means you may be only partially liable or not liable at all for repaying the balance your business defaulted on. Business…
thianchai sitthikongsak/GettyImages; Illustration by Hunter Newton/Bankrate Key takeaways Despite growth, women-owned businesses still face challenges in obtaining funding, with a higher percentage of loan applications being denied compared to male-owned businesses. Women entrepreneurs can take advantage of various financing options, including SBA loans, crowdfunding, and grants, to help overcome funding…
Looking for the best apps for stock trading to get your money invested in the market? There’s a growing list of apps to choose from, which can make the search intimidating, especially if you’re just starting to invest. The best stock market apps let you quickly trade, track your account…
Key takeaways A business plan is the starting point of any business. Make sure your plan includes your product’s unique value, marketing strategy, and metrics for success. You’ll need to decide how you’ll fund startup costs for your business, whether through bootstrapping, a business loan or another form of funding.…
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