Personal Finance
Deposit account rates are on the decline. The good news: You can lock in a competitive return on a certificate of deposit (CD) today and preserve your earning power. In fact, the best CDs still pay rates above 4%. Read on for a snapshot of CD rates today and where…
Here’s a look at how today’s high-yield savings account rates stack up. The Federal Reserve cut the federal funds rate three times in late 2024, and it recently announced its first rate cut of 2025 which means deposit rates are on the decline. It’s more important than ever to ensure…
When a customer makes a purchase with a credit card, there are a lot of steps behind the scenes to get their payment from the card to the merchant’s bank account. One of the most important parts of owning a small business today is ensuring that process runs smoothly. Whether…
Personal loans make it easy to borrow money for home renovations, dental procedures, or moving costs. But there are hundreds of banks, credit unions, and online lenders that offer personal loans, so how can you be sure to choose the right one? While the loan’s annual percentage rate (APR) affects…
As AI reshapes productivity and investing, its next frontier is medicine and building custom cures. The rise of “one-patient medicine” could change both healthcare and finance as we know them.The End of the Old ModelFor decades, we trusted big pharmaceutical companies to deliver the cures of the future—blockbuster drugs, cutting-edge…
Your home is one of your biggest assets, and leveraging the equity you’ve built up doesn’t have to be difficult. You can convert the funds into the cash needed to achieve a major life goal or cover a large expense. Home equity loans, home equity lines of credit (HELOCs), and…
A federal court has formally suspended a legal challenge over stalled student loan forgiveness, ruling that staying the proceedings was necessary due to the ongoing government shutdown. The move could have major financial repercussions for many borrowers who qualify for loan forgiveness now but may incur significant tax consequences if…
Of all the differences between owning a home and renting one, the opportunity homeowners have to build equity may be the most significant. Through a combination of market appreciation and years of making mortgage payments, homeowners often accumulate a substantial amount of equity in their homes. You can also borrow…
If you need to pay off debt, remodel your residence, or cover another large expense, consider tapping into your home equity. Two popular tools for doing so are a cash-out refinance and a home equity line of credit (HELOC). Read more: How to choose between a second mortgage vs. refinance…
Open enrollment arrives every fall with its usual fanfare of choice: dozens of healthcare plans, glossy brochures and promises of access. But scratch the surface and you’ll see that most “options” are just variations of the same puzzle. Insurers continue to toggle the same three levers — premiums, deductibles and…
As a homeowner, you may wonder how to tap into your house’s equity to pay off high-interest debt, finish home renovations, or cover another large expense. Fortunately, you have several options to leverage your property’s value. Two popular home equity products include a cash-out refinance and a home equity loan.…
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