Despite the pandemic, 2020 was a strong year for Dave Ramsey and Ramsey Solutions. Once it was clear the virus was not going to be a short term issue, Ramsey, along with his team, managed it like a war. In the end, the company was able to avoid layoffs and…
How often do you check your voicemail thinking, I bet one of these messages is going to absolutely make my day? No one would blame you if your answer is never. After all, voicemail is where we send all those calls from unrecognized phone numbers that end up being random salespeople,…
We Are/Getty Images; Illustration by Austin Courregé/Bankrate Key takeaways It’s possible to qualify for a loan with a 550 credit score since some lenders have flexible credit requirements. Consider using a cosigner or applying for a secured loan to increase your approval odds. If you improve your credit score before…
STUDY SUMMARY Ramsey Solutions conducted a study of more than 1,000 benefits decision-makers in companies of all sizes across the United States. 48% say that financial stress has a significant impact on their employees. Financial wellness is the number one benefit employers are looking to add in the next one…
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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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Are you trying to decide if you can afford a mortgage? Or are you already on the hunt for the perfect home? Either way, if you know what the average monthly mortgage payment is, it might help put your own home purchase into perspective. How…
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 More than one-quarter (29 percent) of bank customers experienced some type of fraud on a bank account during the previous year, according to a recent J.D. Power survey. Nearly half (46 percent) of customers think of their bank more highly after experiencing an incident involving fraud. More than…
You’ve scrimped and saved like Uncle Scrooge, and now you’re ready to put that pile of cash toward buying a house. Congrats! But dropping hundreds of thousands of dollars on a home can feel about as high-stakes as putting all your chips on black and spinning the roulette wheel—especially if…
Most consumers may think that the Federal Reserve’s rate moves determine deposit interest rates. While they certainly influence them, did you know there’s another factor – one that can cause banks to pay two or three times more for deposits than competitors as the Fed lowers rates? You read that…
Between the washer, the dryer, the fridge, the dishwasher, the soothing salt lamp, and all our plugged-in devices, we use a lot of energy every day. In fact, Americans spend an average of $138 on electricity per month, or $1,656 per year.1 If you find yourself watching the thermostat like…
Work-from-home jobs have exploded in popularity over the past few years, and Americans’ enthusiasm for remote work is still going strong. It’s easy to see why: The best work-from-home jobs can offer flexible hours, freedom to travel, and nonexistent commutes. And believe it or not, people still get work done.…
Key takeaways Many pet insurance providers offer multi-pet insurance plans under a single plan or separate policies. Multi-pet policies can save money. Many insurers offer a 5-10 percent discount on any additional pets you insure. Multi-pet insurance offers benefits like cost savings, simplified management and unified billing. Nearly two-thirds of…
Cryptocurrency can be an exciting opportunity for investors, and trading digital currency is increasingly mainstream. But cryptocurrency can feel complex and overwhelming if you’re not familiar with the terminology. Here’s a rundown of the most common cryptocurrency terms so you can make informed decisions as you explore the crypto landscape.…
Americans spend an average of $141 every month on their phone bill.1 That’s almost $1,700 a year! The good news is, there are plenty of phone plans at different price levels to choose from. Let’s explore the best options for the cheapest cell phone plans—so you can find one that fits…
Sebastian Ramirez Morales/Getty Images Key takeaways Standard home insurance policies typically do not cover damage caused by rats or rodents because infestation is seen as preventable. Damage caused by rodents may be covered in specific scenarios — for instance, if a rat chewed through a pipe and caused water damage.…
Ever ask yourself, How much should I tip the barista for that Cinnamon Toast Crunchuccino? What about the pizza guy? Or your barber or hair stylist? You’re not alone! Tipping can be pretty awkward (and filled with guilt). We’ve all experienced that fight-or-flight moment when the iPad of doom flips…
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