Key takeaways Gas rewards programs are a free, easy way to earn rewards at gas stations you use regularly. The rewards you get and how you can use them vary from program to program, so it’s important to pick the one that works for you. Look for programs that allow…
Key takeaways An Individual Taxpayer Identification Number (ITIN) is a tax processing number issued by the IRS for individuals who are not eligible for a Social Security Number. Many lenders and credit card issuers accept an ITIN in place of an SSN for credit card applications. It’s important to consider…
A discharge in bankruptcy legally eliminates the debtor’s obligation to pay specific debts, providing financial relief and stopping collection efforts from creditors. While bankruptcy discharge can eliminate many unsecured debts, certain obligations like child support, alimony, most tax debts and student loans are usually ineligible for discharge. In Chapter 7…
Key takeaways If you’re denied for a credit card, you can take steps to address the more common reasons issuers consider you a risky applicant. For example, if your score is too low, you can reapply for a card that accepts lower credit scores you’re more likely to be approved…
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Millions of student loan borrowers face an uncertain future as a second Trump administration prepares to return to Washington. But…
The 2024 presidential election has ended, and Donald Trump is poised to retake the White House, with big implications for…
Donald Trump’s return to the White House combined with Republican control of the Senate, and perhaps the House, will place…
Undergrads and recent grads—young, healthy, and debt burdened—are being offered five figures to donate their eggs to other women undergoing…
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Morsa Images/Getty Images Opening a traditional or Roth IRA is one of the best things you can do to boost your retirement savings. Both are vehicles for tax-free growth, but you’ll have to pay taxes on withdrawals from a traditional IRA during retirement, whereas retirement…
Dept Managmnt
Key takeaways Declaring bankruptcy doesn’t necessarily mean you’ll lose your car. If you’re declaring Chapter 7 bankruptcy, you could keep your vehicle if…
Banking
The Consumer Financial Protection Bureau (CFPB), a federal agency championed by Massachusetts Senator Elizabeth Warren in 2011 to protect consumers against predatory financial…
Credit Cards
Key takeaways The Southwest Companion Pass is attainable by using Southwest credit card welcome bonuses to meet the 135,000-point requirement. Applying for a…
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Cash-back receipt apps help you earn money or other rewards when you use a mobile app to scan your receipts. Many apps accept receipts from many retailers, including grocery stores, department stores, convenience stores and gas stations. In exchange for sharing your receipts with the app, you’ll earn rewards —…
Images by GettyImages; illustration by Hunter Newton/Bankrate Options trading can be complex, and the trading jargon may confuse even experienced investors and traders. Two of the most common options contracts to understand are call and put options. Here’s what options traders should know about these popular contracts. What are call…
Key takeaways Even minor adjustments to your finances, like canceling subscriptions or paying with cash, can add up quickly. Consider automating both your savings and bill payments to keep your budget in check. Regularly evaluate your spending, from bank fees to energy consumption, to uncover opportunities for quick wins. Our…
Diversification is a key strategy when it comes to investing, and one of the most common ways to diversify a portfolio is through bonds. As a form of government-issued debt, Treasury bonds can be a useful addition to a balanced investment portfolio, especially as you near retirement, offering stability, regular…
For generations, teens have been considered the most dangerous drivers on the road. But Gen Z (those born between 1997 and 2012) might be the first generation of teens to challenge that stereotype. Since 2012, when the first Gen Z teens got their permits, teenage drivers have seen fewer fatal…
With only six weeks left before 2025, now is the time to make essential year-end tax moves to maximize savings and avoid a large tax bill on April 15. From maximizing your retirement accounts to donating to your favorite charity, here are four essential year-end tax planning strategies to help…
Options on Bitcoin exchange-traded funds (ETFs) made their debut on Nov. 19, with the launch of options on the iShares Bitcoin Trust ETF (IBIT). And options on other Bitcoin ETFs are coming up, too. The debut follows approvals from the Securities and Exchange Commission (SEC) in September and October for…
Key takeaways Buying a home is a long, multistep process that can take several months or more. Even once you go into contract on a home, it typically takes more than a month to actually close. All-cash purchases can move much faster than those that are financed, as there is…
There’s a new No. 1 atop the list of the nation’s largest mortgage lenders. United Wholesale Mortgage pushed past Rocket Mortgage, the champ and the biggest player in the field by a wide margin for the past six years, to claim the top spot in loan origination volume. Elsewhere on…
Credit Sesame highlights challenges with the average retirement plan and shares tips for improvement. With low unemployment and a soaring stock market, you might expect that Americans are getting themselves in good shape for retirement. Two recent surveys suggest that this is not the case. A study of current workers…
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