The prime rate is an important benchmark interest rate that can affect how much you pay to borrow money. Banks use the prime rate to help set rates on credit cards, home equity lines of credit (HELOCs), personal loans, and other forms of variable-rate debt. Understanding how the prime rate works — and why it…
While having a 20% down payment for a house is a worthy goal, the reality is that many buyers can’t afford such a hefty up-front expense. You can still buy a home with as little as 3% — or sometimes even no down payment at all. These are the best low- and no-down-payment lenders of…
Best no-annual-fee credit cards for June 2026 Best no-annual-fee card for travel and everyday Rewards rate Enjoy 5% cash back on travel purchased through Chase Travel℠ 3% cash back on drugstore purchases and dining at restaurants (includes takeout and eligible delivery service) 1.5% on all other purchases Why we like it: The Chase Freedom Unlimited…
For thousands of years, gold has been a valuable asset. Today, it’s still used to create jewelry, for manufacturing, and to support economies. Because it tends to hold value (even when the economy is shaky), it’s an appealing investment. In recent years, its value has significantly increased. In January 2021, the price of gold was…
Seller concessions are helping thaw a real estate market frozen by higher mortgage rates. Nearly half (46.2%) of home sellers gave concessions when selling their house in May 2026, according to Redfin. That’s the highest share on record for that month, and a significant shift in seller attitudes. As more and more markets favor buyers,…
High-spending businesses can maximize their purchases with the Capital One Spark Cash Plus. This charge card offers a massive welcome bonus for businesses that can meet the minimum spending requirements, and you can get a refund for the $150 annual fee based on your spending. You’ll earn an unlimited 2% cash back on purchases with…
Receiving cash from the equity in your home may seem like a dream come true. You probably thought you wouldn’t see that money until you sold your home. But a cash-out refinance does just that: By replacing your existing mortgage, you can draw a lump sum from the value accrued in your home. Here are…
A certificate of deposit, known as a CD for short, can be a solid resource if you’re looking for a safe place to store your savings. In many cases, CD rates are higher than traditional savings accounts and come with other benefits as well. Yet it’s important to understand that traditional CDs aren’t the only…
Business owners who want to maximize cash-back rewards on business expenses should consider the Ink Business Premier® Credit Card. This card offers a generous welcome bonus and unlimited 2% cash on every purchase, including on free employee cards, without needing to activate offers or remember bonus categories. Plus, when you make larger purchases of $5,000…
Opening a CD usually means locking in a fixed interest rate for the entire term. With a step-up CD, on the other hand, the rate automatically increases at predetermined intervals, giving you the opportunity to earn more as time goes on. And while that might sound like an obvious benefit, step-up CDs come with a…
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