Key takeaways You don’t need to put 20 percent down to get a mortgage, and some mortgages don’t even require a down payment. You can get a conventional mortgage with 3 percent down, but with anything less than 20 percent, you’ll have to pay mortgage insurance. Making a larger down…
Key takeaways Prescreened credit card offers target qualified consumers based on their credit score, credit utilization, and location. Advantages of presecreened offers include saving time when comparison shopping. Disadvantages include increased junk mail and the risk of identity theft. You can choose to opt out of prescreened offers.…
Nobody likes getting an audit notice in the mail, which is why it’s critical to complete your business taxes in a thorough, correct and timely manner. Unfortunately, it’s easy to get tangled in the details of tax code and feel overwhelmed by all the ins and outs of your paperwork.…
As a business owner, your company’s financial health depends on smart money management. Whether you’re building an emergency fund or setting aside cash for new equipment, choosing the right savings vehicle is crucial for your business’s growth and stability. From standard savings to high-yield options, each type of business savings…
Trending
Spotlight This Week
More Articles
Personal Finance
Technology has transformed some parts of the daunting homebuying process–making it easier to search and compare properties online, to prepare…
The Covid pandemic crushed immigration and demand for Nova Credit’s tech. Then its founder discovered a second line of business.…
As the Biden administration exits Washington, President-elect Donald Trump inherits a federal student loan system that looks much different than…
When most people think of identity theft, they envision criminals and other miscreants using their private data to open new…
Featured Articles
How two Chinese women turned their Ph.D. theses into machine learning that makes connections between seemingly unrelated events to discover emerging fraud schemes. By Hank Tucker, Forbes Staff Back in 2006, after earning her Ph.D. from Carnegie Mellon, Yinglian Xie wasn’t thinking about whether she…
Dept Managmnt
Key takeaways Governments often borrow money to cover deficits when taxes and other revenues don’t cover expenses. The national debt is the total…
Banking
From Mount Olive, North Carolina to Anchorage, Alaska, each of the top 10 banks on Forbes’ ranking of 100 publicly traded banks are…
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…
All News
filadendron/ Getty Images The best cash back credit cards don’t charge an annual fee, and many also come with introductory APR offers that apply to purchases, balance transfers or both. These benefits let you cash rewards on your spending while paying down your balance interest-free for a limited time. Cash…
Morsa Images/Getty Images The Fortune 500 is a list of the largest 500 companies in the United States ranked by total revenue. Since 1955, Fortune magazine has published the annual list, and it is considered one of the most well-known corporate rankings. The Fortune 500 list can be found online…
Key takeaways Your monthly credit card statement includes a variety of information pertaining to the current status of your credit card account. In addition to providing a record of your charges and payments, credit card statements also include information about fees, APRs, rewards and more. Learning how to read a…
Key takeaways Delta SkyMiles Shopping lets program members earn extra Delta miles for each dollar they spend at participating stores. Members can earn bonus miles at more than 1,000 online retailers through the portal, including popular stores like Apple, Kohl’s and Sephora. Using the Delta shopping portal is free and…
Frazao Studio Latino/Getty Images Most Americans rely on Social Security benefits to help make ends meet during retirement. But there are concerns that the program’s financial difficulties could lead to reduced benefits for future generations. In fact, 81 percent of Gen Xers say they worry that they won’t receive their…
Key takeaways While credit unions function differently than banks, most offer traditional unsecured personal loans. The maximum interest rate offered by federal unions is capped at 18 percent. Credit unions require you to have membership, and requirements vary significantly based on the size and location of the credit union. Unlike…
MoMo Productions/Getty Images Key takeaways Many financial institutions — including online lenders, banks and credit unions — offer personal loan amounts of $15,000. Before taking out a $15,000 personal loan, review your budget to see if you can afford the monthly payments. You should also consider alternative financial solutions that…
Key takeaways Personify stands out for dedicated customer service, but its steep maximum interest rates make it a risk for most. Upstart uses AI technology to determine eligibility and is best for advanced underwriting criteria. Due to Personify’s higher rates and lower loan amounts, Upstart is the better choice for…
Balance transfer credit cards can be a valuable tool if you’re stuck paying off credit card debt with a high APR. After all, the right balance transfer card can help you consolidate and pay down debt with zero interest for a limited time, which could help you pay off debt…
Key takeaways Credit unions may offer lower mortgage rates and fees, but often lack the in-person branches and digital services that banks do. Bigger banks might offer a wider variety of loan products and don’t mandate that you become a member. It may be easier to get a mortgage with…
Editor's Pick
