Key takeaways A life insurance rider is a policy endorsement or add-on that exists to help individuals tailor their life insurance policy to their unique needs. Policyholders are able to add as many life insurance riders as they need to their policy as long as they are willing to pay…
Key takeaways The Federal Reserve doesn’t directly set auto loan rates — but it does affect the cost for lenders to borrow money. The Federal Funds rate was recently cut for the third time in four years and now sits at 4.25-4.5 percent. High interest rates have offset any concrete…
Key takeaways You could use a personal loan to cover several wedding costs, like a professional photographer or caterer. How much a wedding loan costs depends on various factors, such as your interest rate, repayment term and loan amount. Your eligibility for a wedding loan and how much you can…
ClimbWhenReady/Shutterstock Key takeaways Currently, HSBC is not offering a promotional introductory balance transfer on any cards for new U.S. customers. Balance transfers to an HSBC card are generally subject to the card’s standard variable APR and a balance transfer fee of $10 or 5 percent of the transfer amount, whichever…
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TomoCredit, a five-year-old San Francisco startup that claims it boosts consumers’ credit scores, is facing a growing number of problems,…
This founder built his brand on a simple idea: Forget about changing the world. Get rich doing mundane and even…
The 2024 presidential election has ended, and Donald Trump is poised to retake the White House, with big implications for…
Voters in Washington State have decided to keep the state’s first-in-the-nation public long term care insurance program. On Tuesday, they…
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Key takeaways States do not legally require homeowners to have home insurance, but it is usually required by your lender if you currently have a mortgage on your home. Home insurance provides financial protection from unexpected losses due to physical perils like fire and wind…
Dept Managmnt
Key takeaways A lien serves as an official notice that you owe a creditor for unpaid property. If you do not pay, the…
Banking
With interest rates easing and inflation cooling, small businesses are getting a much-needed break. A change to the Small Business Administration’s (SBA) refinancing…
Credit Cards
Key takeaways Actively using a credit card responsibly can help improve your credit score over time. Using your credit card like a debit…
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Key takeaways As of September 2024, 27 percent of holiday shoppers planned to take on debt for their holiday spending, according to Bankrate’s Early Holiday Shopping Survey. Eleven percent of holiday shoppers planned to use a buy now, pay later (BNPL) service. Twenty-eight percent of holiday shoppers were stressed about…
Douglas Sacha/Getty Images The biggest tax question on most people’s minds, once filing season gets underway, is whether they’ll get a refund or owe the IRS money. The average tax refund in 2024 was $3,004, a 0.9 percent increase from the average refund of $2,977 in 2023, based on IRS…
Key takeaways With responsible use, credit cards can help you build your credit and earn valuable rewards. Plus, you can enjoy protection against unauthorized charges and other benefits. Keep in mind that credit card interest rates are high, and if you don’t pay on time and in full, you could…
Key Takeaways Using a business credit card for personal purchases isn’t technically illegal, but it could violate the terms and conditions of your card agreement, which has consequences. These consequences can include the closure of your account, personal liability, tax implications, more complicated bookkeeping and a negative impact…
Looking to sell your life insurance policy? Whether the policy no longer fits your needs or you are looking for ready cash for medical bills, debt payments or other needs, it is possible to sell your policy — term or permanent. In this guide on how to sell a life…
Key takeaways Where Discover credit cards shine for their lack of fees, they come up short in terms of global acceptance and available cardholder perks. Visa credit cards stand out for their rewards rates and cardholder benefits, but only with the top cards available within the network. Instead of choosing…
Key takeaways The best balance transfer cards allow you to make unlimited balance transfers within 60 to 120 days of account opening. Your balance transfers cannot exceed your 0 percent intro APR card’s credit limit, so you might not be able to transfer all of your balances…
Key takeaways Building credit as a student can set you up for financial success once you graduate, and using a student credit card can help you along the way. Student credit cards have lower approval requirements than regular credit cards, so people older than 18 can qualify without…
Key takeaways The Hilton Honors American Express Card is Hilton’s only no-annual-fee card. This card is a solid choice for people who prefer staying at Hilton properties, but might not do so often enough to justify paying an annual fee. One of the top benefits of this card…
Key takeaways The JetBlue TrueBlue program is ideal for anyone who prefers to fly with JetBlue, travels frequently to JetBlue’s service destinations or wants to pool points with other TrueBlue members. The best way to earn and redeem points in this program is by flying with JetBlue. This program offers…
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