Key takeaways Debt consolidation loans have lower interest rates than payday loans. Some debt consolidation options may be available with bad credit. Alternatives to consolidation include working with a credit counselor or negotiating with your lender. Marketed as a bridge between paychecks, payday loans come with high fees that translate…
Money fights are the worst. Well, let’s face it: All fights are pretty awful. But if you and your spouse (or significant other) have been fighting about money, you’re not alone. In fact, 41% of married couples say fighting is almost inevitable when they talk about money.1 That’s why it’s…
Who am I? If you’re asking yourself that question, you’re in good company. Scholars, philosophers, psychologists, teachers, rabbis and pastors have debated identity for centuries. It’s hard to put it into words—and yet it’s so foundational to how we make meaning in this world. When you feel like you’re in…
Every small-business owner knows how difficult and confusing it is to deal with their employees’ health care. We don’t need to tell you that health care costs are increasing every year at an average rate of 5.4%.1 You feel it. So, what’s a small-business owner to do if they want to provide…
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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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Credit Sesame’s personal finance news roundup November 23, 2024. Stories, news, politics and events impacting personal finance during the past week. Credit is harder to get in 2024Consumer credit delinquency rates risingOver one-quarter of bank customers experienced fraud attemptsExecs claim swipe fees fund cybersecurity innovations…
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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Key takeaways The BankAmericard® credit card offers one of the longest intro APR balance transfer periods on the market. The BankAmericard doesn’t charge an annual fee but still offers plenty in the way of benefits. This is not a rewards card — its primary benefit is the lengthy intro APR…
Inflation. Recession. High interest rates. High fuel cost. Labor market disruption, including The Great Resignation. Supply chain shortages. Bear Market. And the hits just keep coming. Are we heading for the end of the American economy? Is the housing market going to crash? Is this generation going to be priced…
Thomas Barwick/Stone/Getty Images Key takeaways Capital One Entertainment is a program that allows you to get exclusive access to special events as a Capital One cardholder. You can purchase tickets for concerts, sporting events, theater shows, comedy shows, dining experiences and even vacation getaways. To take full advantage of the…
We’ve all probably heard a grandparent or parent reminisce about “the good old days”: “I remember when gas was a quarter and hamburgers were 15 cents.” “I made 50 bucks a week at my first job.” Well, we’re a long way from yesteryear, and inflation is the reason prices and…
Portra / DigitalVision / Getty Images Key takeaways You can close your Discover credit card account by sending a closure request in the mail or by calling the number on the back of your card and speaking with a representative. Before closing your card, you should pay off any balance…
Remember when you were first trying to figure out life after high school? People were expecting you to make all these life-altering decisions—like what college to go to, what to major in, and what dream job to chase after. Somewhere along the way, you were probably sold the lie that student loans…
Images by GettyImages; Illustration by Hunter Newton/Bankrate Key takeaways To get a 0 percent intro APR card, you typically need a FICO credit score of at least 670 or a VantageScore credit score of at least 661, putting you in the “good” and “prime” ranges, respectively. Having a FICO score…
Nothing says “I’ve reached adulthood” like opening up your own checking account. Maybe you just got your first real job and have to set one up for the direct deposit of your paycheck, or maybe you just realized you’re sick of carrying around your life’s savings in your sock all…
Technology is becoming more integrated into daily life, and mobile banking apps are proof of that. Your bank’s app may offer advanced personal finance hubs, providing insights into spending habits, tracking savings progress and even making a budget for you. Unlike older systems of manually tracking and recording your expenses,…
Not sure which funds to invest in for retirement? We hear you. You’ve probably heard a lot about S&P 500 index funds. It’s a bit of an investing buzzword. But what are S&P 500 index funds and are they a good place to invest your money? Basically, the S&P 500…
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