Finance is different for everyone. We all inhabit our own money realities: white people and people of color, Gen Z and baby boomers, high earners and those with lower incomes. Women live in their own financial reality, too. One where the gender pay gap is a force holding back their…
Illustration by Clay Laucella/Bankrate Kayla Palmer, 31-year-old Nashville resident, bought a 100-year-old house with her husband in 2018 that turned out to be a money pit. She felt rushed by the real estate agent and misinformed about the house’s structural issues, leading to a series of costly problems after purchase. …
Key takeaways The Atmos Rewards program is the rebranded update to Alaska Airlines’ former Mileage Plan. Atmos Rewards boasts a vast partner network of airlines, hotels, rental car companies and everyday shopping sites — all of which can help you earn miles more quickly. Reward flights with Atmos Rewards can…
Key takeaways There are ways to get out of a car title loan, including paying off the loan in full, negotiating with the lender or refinancing with a lower-cost loan. Defaulting on a car title loan can have serious consequences, including repossession of your vehicle and damage to your credit…
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Last year, on the day before Tax Day, my mom was scheduled to fly into Philadelphia International Airport to stay…
The nation’s 75 million Social Security recipients will receive a 2.8% cost of living adjustment (COLA) increase in their benefits…
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Key takeaways Getting approved for a HELOC or home equity loan isn’t easy, with nearly half of applications denied. Poor credit, a high debt-to-income ratio or a large outstanding mortgage balance may contribute to being rejected for a HELOC or home equity loan. If…
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You’ve accomplished the first step on the road to financial recovery after being entrenched in debt. So, what’s next? For starters, you’ll want…
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For fintech startups, the first five years of the decade have been a roller-coaster ride. At the outset, companies were awash in easy…
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xavierarnau/ Getty Images; Illustration by Austin Courregé/Bankrate Key takeaways An installment loan is a lump sum of money you borrow and repay in fixed, scheduled payments — usually monthly — until the balance and interest are paid in full. Unlike revolving credit, like credit cards, the amount does not replenish…
Key takeaways Car title loans are a convenient way to get fast cash if you own your vehicle outright. These loans are risky though, as they use your vehicle as collateral and come with steep borrowing costs. Consider an alternative, like a credit card, personal loan or payday alternative loan,…
Before she landed an affordable apartment in the San Francisco suburb of Burlingame, Lorena Gonzalez was crashing at a relative’s house, where she shared a bedroom with her 18-year-old son. And before that, Gonzalez rented an apartment so far from her job that the commute could take three hours. “I…
It’s not uncommon for debt to feel like you’ll never get out from underneath it. Thankfully, there are steps that you can take to improve your finances and be done with debt once and for all. As you start your payoff journey, use these tips to choose strategies that get…
Images by GettyImages; Illustration by Hunter Newton/Bankrate Key takeaways A car can be used as collateral for a loan even if your credit score is low, and loans secured by your vehicle may come with lower rates than unsecured loans. Car title loans can be risky and are typically smaller…
10’000 Hours/Getty Images Key takeaways It is possible to have multiple personal loans as long as you have the income and credit score to qualify. A lenders may limit how many personal loans you can have with it at the same time. Having multiple personal loans could become unaffordable if…
Key takeaways Home additions are time-intensive and pricey, easily hitting six figures. Materials, labor and zoning regulations will impact the scope of your project, so request quotes from multiple contractors to determine the full cost. Home improvement loans are an unsecured option to finance small to midsize additions. The cost…
Halfpoint Images/Getty Images Key takeaways Calculating how much your business can afford to borrow and how much it really needs is an important first step when looking for a loan. Reviewing your qualifications like credit score, annual revenue and time in business is another important step in preparing to apply…
Key takeaways Home equity loans and HELOCs offer more money at a lower interest rate than credit cards or personal loans. Some of the most common reasons for using home equity include paying for home renovations, consolidating debt and covering emergency or unexpected costs. Although lenders allow you to tap…
Annuities are a common financial product used in retirement planning, but their compensation structure isn’t always easy to understand. Many investors are familiar with the basic concept of exchanging a lump sum for a stream of guaranteed income, but fewer are aware of how financial advisors are compensated when recommending…
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