Many women today won’t see pay equality in their lifetime. That’s due to forces like the “broken rung” — or the lack of clear paths from entry level or middle management positions into the highest-earning corporate roles. But plenty of women have bucked this trend and are eager to share…
When Jessye Kass Karlin asked for a raise, she didn’t just need one person to say “yes.” She needed eight. A director of programs at a women’s shelter in Cambridge, Massachusetts, Karlin was in her mid-twenties, making around $60,000 per year. She sought a $20,000 salary increase and a new…
In the heart of every community, first responders stand as pillars of strength, protection, and safety. Firefighters, police officers, paramedics, and other emergency personnel dedicate their lives to protecting the public, often putting their own safety at risk. Yet many of these everyday heroes face a growing challenge outside the…
Key takeaways Unsecured business loans don’t require you to back the loan with valuable assets Making on-time payments and building payments into your budget can help you effectively manage the unsecured business loan If you’re struggling to make repayments, talk to your lender and consider refinancing to help you meet…
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The nation’s 75 million Social Security recipients will receive a 2.8% cost of living adjustment (COLA) increase in their benefits…
Historically Black colleges and universities are on the frontlines of the One Big Beautiful Bill Act’s new limits on parent…
The big new fees JPMorgan Chase is planning to charge some financial technology companies may well trickle down to consumers,…
With artificial intelligence beginning to eat away at many white-collar entry-level jobs, and the unemployment rate for recent college graduates…
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Practical Money Tricks That Lead to Real Treats Getting out of debt doesn’t happen overnight, but small, consistent actions can help you regain confidence and control. Here are a few tried-and-true strategies: Budget like a pro: Track every dollar for a month to see where…
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The decision of which debt to start paying off first is a personal one, but starting with high-interest debt is generally considered the…
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Lawrence Golub, billionaire founder and CEO of private credit firm Golub Capital, emphatically dismissed fears that the rapid growth of private credit, specifically…
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When it comes to managing retirement income, taxes can be one of your biggest – and most overlooked – expenses. Many retirees wonder whether converting their savings to a Roth IRA can help satisfy their required minimum distributions (RMDs) and reduce their tax burden. It is a smart question, but…
Paying for college can feel overwhelming, but smart tax planning can make a real difference. The IRS offers several education tax incentives to help students and families cut costs, lower their tax bill and even get a refund. Whether you are an undergraduate or graduate student or a parent supporting…
Retiring early with a 401(k) requires understanding how to access funds before the standard retirement age without triggering heavy penalties. This involves leveraging strategies like Rule 72(t) withdrawals, the Rule of 55 exception or a rollover for more flexibility. Each method has specific conditions, timelines and tax implications that shape…
Key Takeaways VA loans offer 100% financing, no PMI, and flexible credit requirements. VA appraisals are stricter than conventional ones to ensure home safety and value. Managing credit card debt before applying can significantly improve approval chances. ACCC can help veterans eliminate debt and prepare for mortgage approval. Financial readiness…
If it feels harder to get ahead right now, that’s because it is. Many Americans are navigating a “worst-of-both-worlds” economy: a cooling job market on one side and stubborn inflation on the other. Prices aren’t rising as rapidly as they once were when the U.S. economy roared back after the…
AsiaVision/Getty Images; Illustration by Issiah Davis/Bankrate Key takeaways An LLC loan is no different than other types of business loans, except they’re aimed at businesses organized as limited liability companies. LLC loans can be used for various short- and long-term costs, including funding startup costs, equipment and inventory purchases, working…
Your 401(k) plays a key role in helping you save for retirement, but life events can affect how much you’re able to contribute. A raise, job change, or unexpected expense might lead you to consider adjusting your contributions. Many employer-sponsored plans allow changes throughout the year, though specific rules and…
Key takeaways Debt consolidation can simplify your finances and potentially lower your interest rate. There may be upfront costs that can offset potential savings. People with good credit may qualify for better loan terms, making consolidation a good option. Debt consolidation involves combining several debts — such as credit cards,…
For years, many part-time workers were excluded from 401(k) participation, leaving them with fewer ways to save through an employer. As flexible schedules and gig work have become more common, this gap has affected a growing share of the workforce. Recent federal law changes now expand access to employer-sponsored retirement…
At age 70, retirement is no longer a distant goal—it’s your current reality. Whether you’re newly retired or reevaluating your strategy, this is an important time to ensure your savings last. While there is no single best retirement portfolio for a 70-year-old, building a portfolio that suits your needs involves…
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