Exchange-traded funds, or ETFs, are one of the hottest investing trends of the last two decades. ETFs held about $11 trillion in assets at year-end 2023, according to research conducted by TrackInsight in collaboration with J.P. Morgan, reaching historic highs for the fast-growing asset class. ETFs allow investors to buy…
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…
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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%…
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Key takeaways Fixed expenses remain constant within a budget, while variable expenses may change regularly. Examples of fixed expenses include rent or mortgage payments, while variable expenses can include things like groceries or entertainment. Budgeting for both fixed and variable expenses is important,…
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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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damircudic / Getty Images Key takeaways Discover is no longer making new student loans. Borrowers can still access their loan information on the Discover website. There are plenty of other student loan lenders to choose from with competitive rates and perks. As of Jan. 31, 2024, Discover is no longer…
Key takeaways The average starting salary for 2025 graduates is just over $68,000 per year, but it varies widely by major. Despite the awareness, companies are still plagued by a clear gender pay gap, with men making $11,550 more per year than women. Knowing your starting salary will not only…
Key takeaways Hypothecation means offering an asset as collateral to back a loan. If you default on the debt, the lender can take the asset to recoup their money. Common uses for hypothecation include mortgages, auto loans and investment margin accounts. It’s crucial to prioritize payments on any hypothecated loans…
If you regularly work from home as a freelancer or small-business owner, you may qualify for the home office deduction to reduce your taxes. But there are specific rules for who qualifies and what work spaces are covered. And keep in mind that if you’re an employee, you can’t claim…
Key takeaways Personal loans can help you pay for your child’s K-12 private school, but average rates are relatively high. Before using a personal loan to cover tuition, make sure to exhaust gift aid options like scholarships and grants. If you decide to borrow a personal loan, compare rates and…
No one likes the idea of losing money in the stock market, but sometimes taking a loss can actually work to your advantage. Tax-loss harvesting allows you to realize losses and get a tax break for doing so, allowing you to lower your taxable income or offset gains in other…
You’ve mapped out your business strategy. You know your growth goals, revenue targets, and the investments that will take your company to the next level. But do you have a business savings strategy? For many business owners, savings is an afterthought—something to figure out once profits are higher or expenses…
Images by GettyImages; Illustration by Hunter Newton/Bankrate Key takeaways Buy now, pay later (BNPL) apps allow users to split purchases into a series of installments, typically repaid without interest over a six-week period. Many consumers who use a BNPL service report overspending, which can lead to a cycle of debt.…
Key takeaways Timing the market most commonly refers to buying securities when the price is low and selling them when the price is high. Trying to time the market can be tempting because it might seem like you can make a lot of money, but it’s not without risks. Even…
Key takeaways High credit scores come with numerous benefits, such as lower interest rates, larger lines of credit and better rewards. Exploring the fastest ways to build credit can help you take advantage of these perks as quickly as possible. You’ll need to maintain your credit by making your payments…
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