David Papazian/Getty Images Friday’s tepid jobs report means mortgage rates might finally be poised to fall. The U.S. economy created few jobs in August, the Labor Department reported, news that could set the stage for both a rate cut by the Federal Reserve and a downturn in mortgage rates. “Mortgage…
Glen Wagstaff, an attorney based in Utah, opened an international consulting firm a couple of years ago. His first client was an ice cream company in Brazil. Wagstaff and his team helped them get FDA approval. “They were the first ice cream company in the history of Brazil to get…
Managing investments for your retirement account can be difficult and daunting. An IRA is great in theory, but without a lot of knowledge about what to invest in, you can be left floating on your own. And that’s where robo-advisors come in — helping you invest your retirement funds smartly…
Image by GettyImages; Illustration by Bankrate Key takeaways A business credit score is like your personal credit score, only it applies to the financial health of your business. Business credit scores help separate your personal and business finances, lower insurance rates and make business financing more accessible. Business credit scores…
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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…
If a society is going to make intelligent choices in policy, it helps to understand reality, which includes facts and…
New York startup Casap has raised $25 million in new funding to help banks tackle the thorny problem of credit…
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This page was originally published in early 2023 and still contains relevant interview quotes from that time. The rest of the article has since been updated. Key takeaways Making your child an authorized user on your credit card can help them learn responsible spending habits…
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MoMo Productions/ Getty Images Key takeaways As of July 2025, a federal judge abolished proposed federal rules to remove medical debt from consumer…
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When it comes to selling coconut water to the health obsessed, New York’s Vita Coco has served up a master class, schooling even…
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Thinking about picking up some kind of extra work to make some extra cash? You’re not alone. Bankrate’s most recent Side Hustle Survey shows that 27 percent of American adults have some kind of work in addition to their full-time occupation. There are plenty of reasons to try to boost…
Roth IRAs can be appealing because they allow tax-free withdrawals and have no required minimum distributions (RMDs). For younger savers, paying taxes now for tax-free growth later can be a smart move. But, if you are near retirement, this strategy can be more complicated. Balances are typically larger, the time…
Key takeaways Full coverage car insurance coverage typically refers to a policy that includes state-mandated coverage types, plus comprehensive and collision insurance. Your state will not require you to have comprehensive auto insurance coverage, but your lender may. Comprehensive auto insurance is add-on coverage that provides financial protection for your…
Key takeaways The Citi Double Cash® Card and Chase Freedom Unlimited® both offer cash back without an annual fee. Chase Freedom Unlimited offers boosted rewards in a number of categories, while the Citi Double Cash earns a flat rate on all purchases. Both cards are great for earning rewards on…
Image by GettyImages; Illustration by Bankrate Very mixed movements on the home equity financing scene in the latest week. The average rate on a $30,000 home equity line of credit (HELOC) skyrocketed 80 basis points to 8.90 percent, according to Bankrate’s national survey of lenders — though the increase reflects…
The safe withdrawal rate (SWR) method is a spending strategy that allows retirees to draw down their portfolios during retirement while minimizing the risk of running out of money. While the method isn’t perfect, the safe withdrawal rate gives retirees a guideline for their spending. Maintaining a portfolio based on…
Like a bar that wants to close at 2 a.m., the Education Department is urging student loan borrowers to switch from SAVE — the most generous of the income-driven repayment plans for federal student loans. Yes, ending SAVE’s interest-free forbearance is tantamount to last call. Except in this case, borrowers…
Image by Getty Images; Illustration by Bankrate Key takeaways SBA lenders aren’t required to take collateral for most SBA loans under $50,000. SBA lenders will use their existing loan collateral policies to determine how much collateral you need to put up. The SBA requires a personal guarantee for any owners…
Nitat Termmee/ Getty Images; Illustration by Austin Courregé/Bankrate Key takeaways A financial advisor evaluates the financial needs of their clients and helps them make informed investment decisions to build wealth. A financial planner creates comprehensive financial plans for their clients by considering factors such as savings, retirement and estate planning.…
Key takeaways The IBR forgiveness pause leaves some borrowers at risk of a tax bill if it extends into 2026. Borrowers who filled out their IDR application before March 2025 may need to reapply. The public has until September 17 to comment on proposed PSLF changes. Borrowers seeking student loan…
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