All checking accounts might seem to be alike. But a business checking account may offer capabilities that aren’t available with a personal checking account, such as employee access controls, fraud protection tools and payment integrations. Even if you want to open a secondary personal account only for business use, it…
Images by Getty Images; Illustration by Issiah Davis/Bankrate Key takeaways Semi-truck loan timelines range from 24 hours to up to 90 days, depending on the lender and loan type Banks and credit unions tend to take longer to fund semi-truck loans than online or direct lenders Check eligibility requirements and…
This article does not represent the financial advice of Barclays. Individuals should consider their situation carefully before making financial decisions. Not all savings accounts are created equal — especially if you’re dealing with larger amounts. If you have $25,000 or more in your savings account, it’s time to think more…
Key takeaways Closing a credit card may hurt your credit, but the impact varies depending on your credit history. Sometimes, it makes sense to close a card even though it might affect your credit. You can take steps to minimize the potential hit to your credit. If you’re like most…
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While there has been much conversation on not buying from companies with poor diversity, little has been said about investing…
Lifestyle inflation occurs when your expenses increase as you earn more income. It can start subtly—dining at pricier restaurants, upgrading…
Chime, the largest digital bank in America, grew its revenue to $1.7 billion in 2024, an increase of roughly 30%…
Technology has transformed some parts of the daunting homebuying process–making it easier to search and compare properties online, to prepare…
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Key takeaways With an eligible Chase credit card, you can earn boosted rewards when you redeem for statement credits toward select purchases made in the last 90 days. Depending on the card, categories include travel, charities, groceries, gas and annual membership fees. Expiration dates vary…
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Level 2: Discover the Fastest Way to Pay Off Debt With Rules and Challenges When looking for the fastest way to pay off…
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Apple, FedEx and Oracle all got loans guaranteed by the Small Business Administration. But rules and red tape keep many banks from making…
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STUDY SUMMARY 53% of working Baby Boomers who aren’t currently saving for retirement have no plans to save. Just 9% of middle-income workers save 15% or more of their income for retirement. Men are nearly twice as likely as women to have saved $250,000 for retirement. Downloads Have questions about…
Key takeaways Unlike variable-rate credit cards, fixed-rate credit cards come with set interest rates that do not change according to an underlying index (like the prime rate). There are several circumstances where the interest rate of a fixed-rate card can change, including a change in your credit score…
Key takeaways There’s no limit to how many brokerage accounts you can have, but having more can complicate your finances. Managing your investments could cost less, through lower fees and reduced margin loan rates, if you have multiple brokerage accounts instead of one. If a brokerage firm doesn’t have all…
PixelsEffect/GettyImages; Illustration by Hunter Newton/Bankrate Key takeaways Lenders charge business loan prepayment penalties when borrowers pay off a loan early. SBA loans and commercial real estate loans often come with prepayment penalties. Carefully reviewing loan agreements helps borrowers identify the presence of prepayment penalties. Some online and alternative lenders may…
Here’s the truth, you guys: Everyone needs a plan for their money. That’s why everyone needs a budget—and a family budget meeting! Now, when you hear “budget meeting,” you might think that sounds like a blast or the most awful thing ever (depending on your personality). Regardless of how you…
Key takeaways The Chase Freedom Unlimited® offers a variety of rewards opportunities, including 5 percent cash back on travel, 3 percent on dining and drugstore purchases and 1.5 percent on all other purchases. In addition to cash back rewards, the card also features an intro APR offer, travel benefits and…
Side hustles are a great way to make more money. They can help you reach a savings goal, pay more toward your student loans, or just add some breathing room to your budget (thanks, inflation). When my husband and I were paying off debt, we did plenty of side hustling to help get…
Key takeaways While some credit card issuers will automatically increase your credit limit over time if you qualify, you can also request a higher limit. Capital One lets you request a higher credit limit through your online account management page, or you can call in to inquire. It’s easier…
Key takeaways An LLC loan is no different than other types of business loans, except they’re aimed at businesses organized as limited liability companies LLC loans can be used for various short- and long-term costs, including funding startup costs, equipment and inventory purchases, working capital and business debt refinancing or…
Does your paycheck show up in your bank account and then just . . . vanish? Yep, been there. But zero-based budgeting can fix that! With a zero-based budget, you’re giving every single dollar a job on purpose. It’s hands down the best way to take control of your money…
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