Key takeaways Plan for success by building a business plan, putting together a budget and saving enough money to launch. Separate your business and personal finances by opening a business bank account and choosing business credit cards with useful benefits. Stay on top of your finances with…
Key takeaways Brand loyalty to certain credit cards or issuers can limit your rewards earning potential. Use multiple cards to maximize rewards rates, which might involve switching cards or using different cards for different types of spending. Understand the redemption options for each of your cards to get the most…
Key takeaways Both a line of credit and a credit card are types of revolving credit where you can borrow up to a certain amount and only pay interest on what you borrow. A line of credit typically has a lower APR and a higher credit limit than a credit…
Key takeaways Lying on a credit card application is fraud and can have serious legal consequences. You shouldn’t need to lie to qualify for a credit card because there are cards available for all types of financial circumstances, including for those with poor or non-existent credit, as well as for…
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Apple, FedEx and Oracle all got loans guaranteed by the Small Business Administration. But rules and red tape keep many…
While there has been much conversation on not buying from companies with poor diversity, little has been said about investing…
The Trump administration has been rapidly dismantling protections for student loan borrowers, leaving millions of Americans with diminishing options as…
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Key takeaways The typical mortgage payment doubled between 2020 and 2024, while today’s new homes are smaller than they have been in more than 10 years. Experts caution that home size isn’t always the best measure of value, especially in competitive markets with rising home…
Dept Managmnt
Key takeaways To pay off debt, you need to know how much you owe, how much you’re spending and where you can cut…
Banking
In my last column, I likened artificial intelligence to the wizard in “The Wizard of Oz.” It received a good reaction so I…
Credit Cards
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Key takeaways The best business credit cards on the market today typically require good to excellent credit, or a FICO score of 670 to 850. Business owners with bad personal credit might only be able to qualify for a secured business credit card, which requires putting down a security…
Choosing between a corporation (Inc.) and a limited liability company (LLC) affects how your business is taxed, how profits are shared and how much paperwork you need. While both LLCs and corporations can elect corporate tax treatment, corporations are structured by default as separate tax entities, which can make it…
When you participate in a 401(k) plan, both your contributions and your employer’s contributions can help you build retirement savings. However, not all the money in your account may fully belong to you right away. Employer contributions typically follow a vesting schedule, meaning you earn the right to keep those…
Credit Sesame explains why a small dip in GDP does not mean the next recession is here, but why it still makes sense to prepare for what could come next. The Gross Domestic Product (GDP) of the United States declined at an annual rate of 0.3% in the first quarter…
I get it—overspending is a real struggle. No matter where or how you shop, spending money on random stuff is always a temptation (I’m looking at you, $100-Target-run-disguised-as-a-quick-trip-for-shampoo). So, how do you keep from busting your budget? I’m here to share my best tips for how to stop spending money—so…
Mother’s Day is a special occasion to honor and appreciate the incredible women in our lives who have nurtured, supported, and inspired us. However, showing your love and gratitude doesn’t have to break the bank. Let’s go over some innovative and other’s Day gifts on a budget that are sure to…
A Disney vacation is a dream for many families but also comes with a hefty price tag. Luckily, there are credit cards that can help you earn rewards and save money on your Disney trip. Whether you want to focus on Disney perks or saving on hotels or tickets, there…
Justin Sullivan/Getty Images Apple (AAPL) shares fell about 3 percent in early trading Friday after President Donald Trump threatened to impose tariffs of at least 25 percent on iPhones manufactured outside the U.S. The move comes after Apple CEO Tim Cook met with Trump at the White House earlier in…
Images by GettyImages; Illustration by Hunter Newton/Bankrate Key takeaways Fast business loans can get funds into your account in as little as 24 hours but often come with higher interest rates and additional fees. Interest rates for fast business loans vary, and some lenders may utilize a factor rate instead…
Corporate income taxes vary widely across the U.S. Some states impose flat rates, while others apply graduated brackets based on taxable income, and a few have no corporate tax at all. The variation in corporate tax rate per state is significant enough that it can influence where businesses choose to…
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