Key takeaways Both parents, including stay-at-home parents, should consider life insurance coverage when expecting. Life insurance applications are generally accepted during pregnancy, though some health factors can affect rates. Setting up a trust or guardian arrangement for minor children as beneficiaries can ensure smoother access to funds. A child rider…
Did you know that when you submit a job application online, it’s probably read and filtered by a robot before a human ever sees it? No, this isn’t Star Wars, folks—just the 21st century job market. And that “robot” is something called an applicant tracking system (ATS). There’s no way…
Some people can walk right into an interview and knock it out of the park without even raising their heart rate. (Wouldn’t we all like to have that kind of confidence?) But if you’re anything like the average job seeker, interviews aren’t exactly high on your list of fun, stress-free…
Investing can often be broken down into a few simple rules that investors can follow to be successful. But success can be as much about what to do as it is what not to do. On top of that, our emotions throw a wrench into the whole process. While everyone…
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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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From time to time, we’re all faced with the need to forgive ourselves. Maybe you’re beating yourself up for a mistake you made at work that cost the company a ton of money. Or maybe the memory of haunting decisions you made when you were…
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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Precious metals such as silver have long been an alternative to traditional investments such as stocks and bonds. When times get tough or the economy faces severe inflation, some investors turn to silver to hedge their bets or to invest more defensively. Silver prices spiked in March 2023 following the…
A 529 plan gives consumers a tax-advantaged way to pay for education, and that’s a boon for parents and other family members who want to save for a child’s schooling. A 529 plan offers several other benefits, including the ability to invest with potentially high-return assets such as stock funds,…
Fifty-nine percent of Americans are uncomfortable with the amount of money they have stashed in an emergency fund. When people need cash quickly in a difficult situation, they may turn to resources like payday loan apps. These digital cash advance platforms offer a quick and easy way to borrow money,…
So you’ve made some money investing — or really any asset trade where you came out ahead. Congrats on the big score. But don’t count your profits too quickly because Uncle Sam wants his cut of your gains, too. If you’ve realized a profit on an investment in a taxable…
Key takeaways The court could dismiss your case or change it to Chapter 7 if you’re late on your Chapter 13 payment. You can request a payment reduction or amendment if you’ve faced an unexpected financial hardship. If you miss a payment or think you could be late in the…
From the very beginning, American Consumer Credit Counseling has been dedicated to two primary goals: providing accessible financial education to Americans at no cost and assisting them in achieving debt freedom. While it’s great to hear about our services directly, hearing from real clients who have experienced our debt management…
skynesher/Getty Images; Illustration by Grant Crowder/Bankrate Key takeaways Unlike a traditional home purchase, buying from a relative is a non-arm’s length transaction, meaning the buyer and seller have a pre-existing relationship. As such, it may receive additional scrutiny from mortgage lenders and has the potential to cause family tension. In…
If you drive for a rideshare company like Uber or Lyft, it’s important to understand how your auto insurance could be affected. Using your car for ridesharing requires additional coverage in the form of rideshare insurance to ensure you’re financially protected while driving. Neither your personal auto insurance policy nor…
Key takeaways Bad credit business loans are high-risk loans for borrowers with personal credit scores under 669 These types of business loans can have high interest rates to offset the risk of lending to a high-risk borrower Alternatives include grants, business credit cards and crowdfunding A business loan for bad…
Key takeaways You can defer Chapter 13 bankruptcy payments if you encounter unexpected financial hardships. Other options for adjusting Chapter 13 bankruptcy payments include asking for a hardship discharge, changing to Chapter 7 bankruptcy or dismissing and refiling your case. To be sure you’re taking appropriate action for your…
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