Smart Shopping for School Supplies and Clothes Buy only the essentials immediately, and purchase remaining items as last year’s supplies are used up. This approach avoids paying full price for things you don’t immediately need and allows you to take advantage of sales later. Hold off on buying new backpacks,…
Regulation Best Interest, or Reg BI, is a series of rules from the Securities and Exchange Commission (SEC) that govern how broker-dealers and financial advisors must treat their customers. Specifically, it says that these entities must act in the best interests of their client — which sounds clear enough —…
Key takeaways A mortgage preapproval is a statement of how much money a lender is willing to let you borrow to pay for a home. There are several important steps in the preapproval process, such as shopping around for lenders and gathering financial documents. Getting a preapproval makes it more…
Photography by Getty Images Key takeaways The Bank of America® Premium Rewards® credit card may not be the strongest option for travel enthusiasts, but it benefits existing Bank of America customers in the Preferred Rewards program. The card has a $95 annual fee and offers unlimited 2X rewards on travel…
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New York startup Casap has raised $25 million in new funding to help banks tackle the thorny problem of credit…
Many people in economics, finance, business, and regular consumer life have been waiting for the forecast inflation, the tariff shock,…
President Trump’s 2026 budget would freeze spending for many services for older adults, deeply cut others, continue his efforts to…
The Trump administration is clamping down on federal student loan defaults; at the same time, Republican lawmakers in Congress just…
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The Trump “baby 401(k)s” have gotten a lot of press, especially with all the hullabaloo about giving children a nest egg of their own. It’s a fine idea in theory, but the restrictions and caveats make Trump accounts more inflexible than they should be. Even…
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Key takeaways It may be difficult to obtain a new loan after you enter a debt management plan, especially if you have recently…
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OBSERVATIONS FROM THE FINTECH SNARK TANK In 2022, President Biden signed an executive order directing the government to develop a framework for digital…
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When you’re traveling, the right bank account can save you money in fees and help you manage your money while you’re abroad with ease. From fee-free ATM access and no foreign transaction fees to earning rewards for travel, here are some of the bank account features to look for if…
Key takeaways The gap between prices of new-construction homes and existing homes has narrowed. On top of that, builder financing promotions are helping qualified buyers in specific regions. The increase in supply of new homes in the South and West has led to lower prices and more choices for buyers…
Key takeaways While Southwest Airlines made sweeping changes in the last year, including ending its free checked bags stance, the company’s loyalty program is still impressive with its lack of blackout dates and flexible rebooking policy. Southwest Airlines is also known for its popular Companion Pass, which lets users add…
eakkarat rangram/Shutterstock Key takeaways A mortgage origination fee is a charge you pay at closing to cover the cost of processing and funding your home loan. Usually, an origination fee is about 0.5 to 1 percent of the loan amount. There are ways to save on an origination fee, including…
Key takeaways The best way to maximize your Capital One Venture X Rewards Credit Card travel credit is to combine it with the other benefits, bonuses and perks that the card offers. Use tools like the Capital One Travel Price Match, Price Watch and Price Forecast to use your travel…
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 Chase Slate Edge℠ can help you pay off credit card debt, with a no-interest purchase and balance transfer option for 18 months. After the introductory period ends, an 18.99% – 28.99% Variable APR applies. The Chase Freedom Flex®* card also comes with a purchase and balance transfer…
Whether you are buying a home or selling one, the process can be more complex and costly than you anticipate. A real estate transaction involves more than just the home’s sale price: You also have to factor in closing costs, which are the various fees, taxes and expenses that both…
Images by GettyImages; Illustration by Bankrate Key takeaways Federal student loans are offered by the federal government. Their low eligibility requirements and unique borrower protections make them the better option for most borrowers. Private student loans can help bridge funding gaps or offer better terms for professional or graduate students,…
Much has been made about how buy now, pay later (BNPL) debt will impact consumer credit, but the rising popularity of this accessible loan could have another meaningful effect: an increased demand for debt consolidation. Debt consolidation loans — personal loans used to group multiple debt balances — could become…
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