Key takeaways Credit card fraud is the most common form of identity theft, according to the Federal Trade Commission (FTC). The four major credit card networks — Visa, Mastercard, American Express and Discover — offer $0 liability protection, AI-powered user authentication analysis, EMV chips and card identification numbers (CIDs or…
To the average Americans I interact with daily, the economy feels unpredictable, with job loss, tariffs, inflation and rising costs on everything from milk to housing. I coach people across the country every Sunday — the anxiety is real and pervasive. Instead of panicking, now is the time to focus on…
Key Takeaways Despite market volatility and economic uncertainty, top high-yielding savings accounts still offer competitive rates. A group of major banks lowered APYs on their high-yield savings accounts by 10-15 basis points last week. The highest rate on a savings account today is 4.45 percent, offered by Brio Direct. A…
“I’m the one who denies your claim.” That’s my go-to line at cocktail parties when someone asks what I do for a living. It’s not technically accurate — but it gets a laugh. Most people don’t know what insurance adjusters do, and few want a detailed explanation. So I’ve learned…
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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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With all the talk swirling about inflation and tariffs, consumers have been (rightly) braced for prices to go up. While unwelcome for things like cars and eggs, rising prices can deliver some benefits, particularly for homeowners. Home values sit notably higher than they did five…
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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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If you’re looking to protect your wealth, it’s important to remember that the best strategies for safeguarding your nest egg are often different from those for growing your wealth. Preserving your wealth is much more about reducing risk than it is about amping your potential gains. Here are nine strategies…
Photography by Getty Images The bonus categories for the Discover it® Cash Back and its student card version have been announced for Q2 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 at…
There’s no doubt TikTok can be entertaining, and there are legit financial experts on the social media app (dare we say, financial visionaries?). But there are also a lot of inexperienced people sharing questionable tips about tax deductions and credits. “Most TikTok-ers who are giving tax advice — a lot…
Setting up a one-time meeting with a financial advisor can offer a lot of value in a relatively short time. A financial advisor can provide clarity during financial turning points or times of economic uncertainty, answer pressing questions and give you a roadmap of your next steps. A single meeting…
Key takeaways The annual percentage rate (APR) on a mortgage represents the total yearly cost of the loan, including interest, fees and mortgage points. Comparing loan APRs — as opposed to interest rates — gives you a clearer idea of the most affordable option. A mortgage’s APR is always higher…
The so-called Magnificent Seven stocks don’t seem so magnificent these days after new tariffs from the Trump administration sent their shares plunging, with all seven now in bear market territory. Shares of Alphabet, Amazon, Apple, Meta Platforms, Microsoft, Nvidia and Tesla are all down at least 20 percent from their…
Key takeaways The main types of mortgages are conventional loans, government-backed loans, jumbo loans, fixed-rate loans and adjustable-rate loans. There are other types of mortgages for specialized purposes, such as building or renovating a home or investing in property. The right mortgage for you depends on the strength of your…
Recessions can be tricky to predict, and even trickier to navigate. Investments you might traditionally think of as safe might in fact expose you to more risk depending on the economic environment — especially as the Fed navigates lowering inflation and the potential impacts of tariffs this year. In the…
The job market has historically been one of the biggest predictors of consumer spending and debt patterns. While the unemployment rate has risen from 3.4 percent last April to 4.2 percent at present, that’s still low, historically speaking. The 3.4 percent reading last spring was the lowest level since 1969.…
Key takeaways Interest rate caps are controlled at the state level by usury laws, but those laws have a long list of exemptions. Credit card companies and banks are often exempt from state usury laws, meaning there are no maximum credit card interest rates at the state level. Due to…
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