If you’re looking at your 401(k) options and have questions about how all this investment stuff works, you’re not alone. Maybe you’re asking, “How do I know these are good investment options?” or, “How much should I invest?” You might be reading through the information packet you got from HR and…
When it comes to retirement, most people find themselves either sitting in the regret of past money mistakes or winning big-time with money, on track to enjoy a retirement they’ve always dreamed about. Market chaos, inflation, your future—work with a pro to navigate this stuff. Here’s the difference: Those who…
Vomiting. Loss of appetite. Depression. Shortness of breath. Insomnia. Wanting to keep on driving past work till you reach Mexico. These symptoms describe many Americans’ Sunday afternoon as they stare down a 40-plus-hour workweek. They’re known as the Sunday Scaries. Let’s dig into why the Sunday Scaries are even a…
Losing your job or getting your hours cut at work can feel like a punch to the gut—followed by a million panicky thoughts about what you’ll do now. And especially what you’ll do without your health insurance benefit! It’s okay. Plenty of people go through this and you’ll be just…
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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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6. List Your House and Do Home Showings Listing your house is simple if you’re working with an experienced real estate agent. Your agent will help you get professional photos taken and will get your home listed on multiple platforms for maximum exposure. Once your…
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If you need some inspiration, common goals among Canadians include retirement planning, saving for a vacation, paying down debt, and setting aside money…
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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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Key takeaways Saving builds security, flexibility, and freedom — not just a rainy-day fund. Cash reserves protect you from financial stress and open doors to opportunity. The earlier you start saving, the easier it is to reach your life and retirement goals. Most people know they should save. But understanding…
PeopleImages/Getty Images Key takeaways CDs are among the safest places to keep your money, but early withdrawals or inflation can erode returns. FDIC or NCUA insurance protects up to $250,000 per depositor, per institution. Smart CD strategies — like laddering or using no-penalty CDs — can help you avoid losses…
Image by Getty Images; Illustration by Bankrate Key takeaways Chase offers several preapproval options, including a preapproval tool and specialized preapproved offers. Most Chase cards require good to excellent credit for approval, so make sure your credit score meets the requirements before submitting an application. Receiving preapproval for a Chase…
Kseniya Ovchinnikova / Getty Images Business owners often have startup or major costs that come with investing in their businesses. A credit card with a 0 percent intro APR offer can buy you time to pay off a big purchase without accruing interest. As long as you pay off the…
Key takeaways Many lenders state their credit score requirements, helping you narrow down small business loans for bad credit Some loans focus less on your business credit history and more on future sales or revenue from invoices Offering assets or collateral can make you less risky and improve your chances…
Reaching age 65 doesn’t automatically change how the IRS taxes your 401(k) withdrawals. Instead, it taxes distributions from a traditional 401(k) as ordinary income, just like wages or Social Security benefits. Your tax rate depends on your total taxable income and filing status in the year you make the withdrawal,…
Images: Getty Images; Illustration: Bankrate Key takeaways A mortgage prequalification helps potential homebuyers know how big of a loan they might qualify for. Getting prequalified does not negatively affect your credit score — but getting preapproved does. While a prequalification is faster and easier to get than a preapproval, it’s…
When your financial life involves more than one country, taxes can get complex. This is true for expats, dual citizens, digital nomads and business owners with activity abroad. A cross-border tax accountant can help you handle international filing rules and reporting obligations. They work with issues like double taxation, foreign…
Many businesses, even those that are profitable and well-run, might occasionally need to carry debt. Balance transfer credit cards can help you consolidate high-interest debt and work on paying it off over time at a lower or 0 percent APR. But be warned, balance transfer offers on business credit cards…
A Roth IRA is one of the best retirement accounts to have. While a Roth doesn’t offer an up-front tax break, your contributions grow tax-free and when you withdraw your money in retirement, it’s all tax-free — including any investment earnings. You can build a nest egg that the government…
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