Key takeaways Personal loans can be used to help you build wealth by consolidating debt or funding home improvements. Before you take out a personal loan to build wealth, check your debt-to-income (DTI) ratio and residual income to decide whether it is a good idea. Using a personal loan to…
Key takeaways Green banking means being more environmentally conscious in what kind of bank you choose and knowing where the bank invests its money. To bank greener, you can choose a bank that prioritizes green initiatives, such as investing in renewable energy. One small way you can bank greener is…
Key takeaways Citi has several credit cards that come with a balance transfer offer, although terms and details vary widely. For example, some Citi credit cards in this niche offer rewards for spending, whereas others include longer intro APR offers. The best Citi balance transfer offer for you depends on…
Key takeaways Thrifting is a way to save money while spending on discretionary items like clothes and furniture. In light of recession worries, more Americans are opting for secondhand shopping and cheaper brands. Certain credit cards offer cash back or travel rewards when you shop at thrift stores, online resellers…
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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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Key takeaways Personal loans come in many forms, including secured and unsecured loans, debt consolidation loans and personal lines of credit. Unsecured personal loans are common among lenders and don’t require collateral. Secured personal loans are less common and require collateral — but usually offer…
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Images by GettyImages; Illustration by Bankrate You just found out that you’re getting a tax refund and are considering using it to make…
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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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The ability to trade foreign stocks greatly expands the number of companies you can own, and it can be a great way to add diversification to your portfolio. Although American investors can buy shares of some large foreign companies through a regular brokerage account, only brokers that enable investing through…
Currency exchange is a common necessity for travelers, international shoppers and anyone conducting business overseas. However, exchanging currency isn’t free. It usually involves an exchange rate and other fees. Excessive fees can significantly impact how much money you receive, making it essential to know where and how to exchange currency…
SimpleImages/Getty Images Key takeaways Fiat money is a government-created currency, usually issued by its central bank, and isn’t backed by a tangible commodity, like a precious metal. Unlike commodity-backed money, fiat money isn’t intrinsically valuable; its worth is determined by supply and demand and the issuing government’s credibility. Most countries…
Key takeaways Most banks offer free coin exchange services to account holders, though you may need to roll coins yourself. Self-service coin-counting machines are more commonly found at local banks and credit unions than at national banks. Coinstar offers convenient coin exchange but charges steep fees unless you opt for…
Key takeaways Receipt-scanning apps scan and save paper documents like receipts to your phone or computer. Digitizing your receipts and other documents allows you to track financial data and file away important information for tax season and may even offer cash-back rewards. Some receipt apps track and sell your data,…
Understanding Gen Z’s Financial Health Gen Z—Americans born between 1997 and 2006—is entering adulthood at a challenging financial moment. With inflation, student loan pressures, and rising housing costs, it’s no surprise that many are feeling overwhelmed. But there’s good news: Gen Z is taking an active interest in managing…
Since President Donald Trump took office earlier this year, the regulatory agencies that oversee the U.S. mortgage market have been on the chopping block. The Trump administration has moved quickly to scale back both the size and the scope of the federal government, including ordering layoffs at the Consumer Financial…
Key Takeaways Bank account fraud comes in many forms including check fraud, P2P payment scams, ATM skimming, phishing and wire transfer schemes. Prevention is your first line of defense. Use tools like account alerts, cardless ATM access, strong passwords and secure Wi-Fi. If you fall victim to a scam, act…
Key takeaways Adding authorized users to your business credit card account can make it easier for your business to complete purchases, earn rewards and improve bookkeeping. You can often set individual spending limits for your employee cards, which helps protect you from rogue spending. It’s usually simple to…
Shares of Amazon closed the week looking unusually cheap. With its share price dipping and long-term growth potential still strong, investors might be looking at a solid buying opportunity. Amazon’s low valuation makes it attractive Amazon’s valuation is now at levels rarely seen since it went public in 1997. The…
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