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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Key takeaways You can responsibly use a credit card for large purchases if you pay off the balance before it starts accruing interest. Using a credit card to pay for large but predictable expenses — like groceries, travel and appliances — can help you earn rewards and access additional benefits.…
Klaus Vedfelt/Getty Images New technology has changed the way many people get around. Ridesharing has become an incredibly popular transportation option, and that’s especially true in big cities where Uber and Lyft drivers are easy to find. With just your smartphone and a few taps of your finger, you can…
Carlina Teteris/Getty Images With so many rewards cards strategies to consider — like bonus categories, travel points and miles valuations and more — some cardholders opt to go the simpler route. A flat-rate cash back card lets you earn a consistent, unlimited rewards rate for every purchase you make. Redemption…
Key takeaways You can maximize cash back earnings on Amazon purchases through a variety of options, including a boosted cash back credit card or Amazon-branded card. Amazon Prime members can also take advantage of free shipping and deep discounts. And don’t forget about the deals you can score on Amazon…
Photography by Getty Images The Discover it® Cash Back (and its student card) have announced bonus categories for Q4 2025, and they should be easy for most cardholders to fully maximize. Once you activate the bonus categories, you’ll earn 5 percent cash back on purchases on Amazon.com and at drugstores…
katleho Seisa/Getty Images Key takeaways Borrowers can prequalify for Bank of America credit cards and avoid taking a hit to their credit score. Prequalifying can increase the chances of getting approved for a card, and strategies such as paying on time and disputing inaccuracies can make prequalification easier to achieve.…
A stretch annuity lets a beneficiary receive inherited annuity payments over an extended period rather than all at once. Spreading payments over time can create a steadier income stream and may limit how much taxable income is recognized each year. The remaining balance continues to grow tax-deferred while payments are…
Image: Getty Images; Illustration: Bankrate Home equity rates barely budged heading into the final Federal Reserve meeting of 2025. The $30,000 home equity line of credit was unchanged, holding at 7.81% for the fourth straight week, according to Bankrate’s national survey of lenders. Meanwhile, the benchmark five-year $30,000 home equity…
Key takeaways Mutual funds can be a great way to invest for long-term goals such as retirement. There are thousands of mutual funds focused on different asset classes, such as stocks and bonds. Index funds are popular because of their low cost and diversification benefits. Millions of Americans use mutual…
Image by PM Images/Getty Images; Illustration by Hunter Newton/Bankrate Mortgage rates dipped this week, with the 30-year fixed rate averaging 6.28%, down from 6.32% the previous week, according to Bankrate’s latest lender survey. Current mortgage rates Loan type Current 4 weeks ago One year ago 52-week average 52-week low 30-year…
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