Are you being hounded by debt collectors? The constant phone calls, harsh language and threats to sue can be overwhelming and downright scary. Unfortunately, you also have to watch out for debt collectors who try to trick you into paying for a debt that’s already been paid or a debt…
Selling your home is one of the biggest financial transactions you’ll ever make. While many homeowners worry about a large tax bill, the reality is that rules like the Internal Revenue Code Section 121 can allow you to keep much, or even all, of your profit. Here’s how capital gains…
With only 10 years left until retirement, missing your employer’s 401(k) match can leave a sizable hole in your savings. If your employer offers a 4% match and you fail to claim it, you could give up almost $45,000 by retirement. That amount includes both missed contributions and investment growth…
If you’ve done any shopping recently, then you’ve probably seen an option at checkout to split up your total into four (or more) “easy payments.” One of the biggest companies offering these kinds of buy now, pay later plans is Affirm. But is it a good idea to use Affirm…
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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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You inherited an IRA from a beneficiary, not the original owner. That distinction matters because you generally assume the existing distribution schedule and don’t start a new timeline. As a result, your options may be more limited than what is available for direct beneficiaries. Overlooking…
Dept Managmnt
In her half-century on earth, Torry Holmesly has been subjected to neglect, violence, eviction and homelessness. So, if you ask her about what…
Banking
Chime, the largest digital bank in America, grew its revenue to $1.7 billion in 2024, an increase of roughly 30% from 2023, according…
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Recession predictions, financial markets and tariffs have been on a rollercoaster ride lately. Escalating trade tensions with China and worsening consumer sentiment have made for a turbulent and uncertain start to 2025. While in March, President Donald Trump said he doesn’t see a U.S. recession on the horizon, according to…
Corporate income taxes vary widely across the U.S. Some states impose flat rates, while others apply graduated brackets based on taxable income, and a few have no corporate tax at all. The variation in corporate tax rate per state is significant enough that it can influence where businesses choose to…
Key takeaways Startups are unlikely to meet minimum revenue and time in business requirements from traditional lenders. Alternative lenders, microloans and SBA loans are common options for startups. Startup loans may have higher interest rates, shorter repayment terms and a lower maximum business loan amount. The maximum business loan amount…
A key question in retirement planning is how much of your income you’ll need to replace once you stop working. This figure, called the wage replacement rate, is a helpful retirement planning tool. It helps you estimate how much to save and what kinds of income sources to rely on.…
Key takeaways The Fed uses various tools like buying and selling securities to control interest rates, and its actions have a direct impact on credit card interest rates. Credit card rates are higher due to the risk associated with unsecured debt, and consumer protections provided by the CARD Act contribute…
When building an investment strategy, your asset allocation is one of the most important decisions you will make. The Rule of 110 helps investors decide how much of their portfolio to allocate to stocks versus bonds based on their age. It is a helpful starting point for those looking to…
Oleksandra Yagello/Getty Images The average credit card interest rate is 20.12 percent, down from a record-high 20.79 percent set on Aug. 14, 2024. Current credit card interest rates Weekly national averages Variable 5/07/2025 20.12% 4/30/2025 20.12% 4/23/2025 20.09% 4/16/2025 20.09% 4/09/2025 20.09% 4/02/2025 20.09% 3/26/2025 20.09% 3/19/2025 20.09% 3/12/2025 20.09%…
The comparison between a Roth IRA and an index fund often mixes structure with strategy—one is a retirement account, the other an investment product. A Roth IRA provides tax-free growth and withdrawals, while an index fund offers low-cost, diversified market exposure and can be held within or outside that account.…
Key takeaways The Fair Credit Billing Act provides a timeframe for resolving credit card disputes. This timeframe includes sending a letter to the issuer within 60 days and the issuer resolving the issue within 90 days. There are penalties for card issuers who do not adhere to this mandated timeframe,…
Credit card debt doesn’t just live in your wallet, it lives in your body and mind. It can keep you up at night, make you feel hopeless, and slowly chip away at your well-being. While many people think of debt as just a financial problem, the reality is that debt…
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