When your home experiences damage from a covered disaster, your insurer uses one of two methods for determining the payout for damages and lost belongings. Actual cash value, or ACV, takes depreciation into account, and pays out based on what your belongings are worth now, in their depreciated state. Replacement…
In South Carolina, a lead foot can come with a lasting price tag. A simple speeding ticket might seem like no big deal at first — but even a minor violation could cost you more than you’d expect. In towns like Summerville, for example, fines start around $75 for going…
10’000 Hours/Getty Images New Jersey drivers pay an average cost of $3,254 for full coverage car insurance and $1,413 for minimum coverage as of November 2025. These potential costs may put an undue financial burden on some New Jersey residents who have limited budgetary resources. For those individuals, there may…
Did the holiday season leave your finances in the red? A temporary setback doesn’t have to become a permanent burden. This is where a financial reset can help. A 2026 financial reset is a strategic plan designed to help you recover from holiday overspending and realign your budget for the…
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The nation’s 75 million Social Security recipients will receive a 2.8% cost of living adjustment (COLA) increase in their benefits…
Historically Black colleges and universities are on the frontlines of the One Big Beautiful Bill Act’s new limits on parent…
The big new fees JPMorgan Chase is planning to charge some financial technology companies may well trickle down to consumers,…
With artificial intelligence beginning to eat away at many white-collar entry-level jobs, and the unemployment rate for recent college graduates…
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Getting a DUI in Michigan can have lasting and costly consequences. Beyond fines and legal trouble, drivers will see their insurance rates increase when their policies renew — some drivers may even get dropped by their carrier. Average rate data from Quadrant Information Services shows…
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Tip 3: Learn How to Create a Better ‘To Do’ List When we make resolutions, we tend to resolve to do certain things.…
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These entrepreneurs, traders and investors are making an outsized impact in fintech, crypto and traditional financial services.By Jeff Kauflin, Hank Tucker and Nina…
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This year has been the year of the luxury credit card. The Chase Sapphire Reserve® and American Express Platinum Card® both added new perks in exchange for higher annual fees (now $795 and $895, respectively). And Citi re-entered the high-end credit card market with the debut of the Citi Strata Elite℠ Card (annual…
You can make a Roth IRA conversion at any time, as long as you have money in a qualifying pre-tax account. But the real question is whether it benefits you. Converting in your 60s, for example, can help you avoid required minimum distributions (RMDs) and future taxes on qualified withdrawals.…
First comes love. Then comes marriage. And for around 670,000 couples per year, then comes divorce. While you’re thinking about the holiday season that’s off and running, the nation’s divorce attorneys are already looking ahead to another kind of season: divorce season. Sadly, if not surprisingly, filings tend to go…
Key takeaways The Bank of America® Unlimited Cash Rewards credit card offers a number of unique perks to cardholders, including unlimited flat rate cash back on all purchases. The Bank of America® Customized Cash Rewards credit card is another cash back card option, this one offering bonus cash back of…
Cash back is Americans’ favorite credit card feature by a wide margin, yet rewards enthusiasts often emphasize travel redemptions instead. If you ask an influencer for a best credit card recommendation, you’ll probably hear about a fancy travel card with a hefty annual fee. There’s nothing wrong with that, as…
Photography by Getty Images; Illustration by Bankrate Key takeaways The BankAmericard® Credit Card comes with a great introductory APR, making it a solid option for people to pay off credit card debt over time. The Bank of America® Unlimited Cash Rewards credit card offers good long-term value with access to…
Image Source/Getty Images As the most populated state, California also has the highest number of drivers on the roads. With over 27 million licensed drivers, the state takes a hard line on violations like DUIs, at-fault accidents and speeding. Drivers with these infractions, along with inexperienced drivers, typically pay much…
Image by kolderal/GettyImages; Illustration by Bankrate Driving in New York isn’t for the faint of heart. Whether you’re dodging cabs in Midtown or gripping the wheel through Buffalo’s lake-effect snow, life behind the wheel in the Empire State keeps you on your toes. However, if you’ve had speeding tickets, an…
Images by Getty Images; Illustration by Issiah Davis/Bankrate The consequences of a speeding ticket in the Golden State extend far beyond the initial fine. In addition to penalties ranging from $35 to $200, California drivers see their average full coverage car insurance premiums jump by $1,215 per year after a…
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