There’s a reason car insurance rates are notoriously high for teen drivers. Teens (aged 16 to 19) are almost three times more likely to be in a fatal car accident, according to the . Insurance companies know this, which is why it typically costs more to insure a young driver.…

It can be challenging to buy a house with a low income, because depending on the circumstances, a lender may not approve you for a mortgage. A low salary also makes it difficult to save enough for a down payment and closing costs. Fortunately, there are loan programs and other…

If having a little land and a decent home outside of the city is a priority for you, a USDA loan may be your road to rural living. USDA mortgages finance the purchase of residential properties outside of urban areas, often with no down payment. Read more: What are government…

Though the conventional loan is the most common type of mortgage, it’s not the only choice for borrowers. A lesser-known option worth exploring is the USDA loan program run by the U.S. Department of Agriculture. If you qualify for this government-backed mortgage, you could buy a home without any down…

The American dream of owning a house with a white picket fence is feeling increasingly unattainable due to the ongoing rise in home prices. This is especially true for aspiring homeowners with less-than-perfect credit scores or low incomes who struggle to qualify for conventional home loans to finance their home…

When you apply for a mortgage, one way your lender will assess your financial capacity to afford your loan is to calculate your debt-to-income ratio (DTI). Your DTI ratio compares your total gross monthly income to your total monthly debt payments. Different mortgage lenders and loan programs have varying DTI…

Making only minimum payments toward your credit card can be risky. If you make a habit of only paying the minimum amount due each month, it can be easy to rack up a lot of credit card debt over time. But during times of financial hardship, it also gives you…

A medical credit card can provide an alternative method to pay for medical expenses if you can’t cover the cost through insurance and personal funding. However, there are certain factors to consider, such as high interest rates and fees, if you want to use a medical credit card or any…

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The IRS has announced the annual inflation adjustments for the year 2026, including tax rate schedules, tax tables and cost-of-living adjustments. These are the official numbers for the tax year 2026—the tax year that begins on January 1, 2026. These are not the numbers that you’ll use to prepare your…