Key takeaways Small business loans work by giving you money to use for business purchases that you then repay over a set term with interest Approval for a small business loan typically requires a good credit score, solid business revenue and a personal guarantee or collateral There are many types…
Key takeaways Dealership car loans offer convenience, but you will likely find better deals on interest rates by getting a loan from a bank, credit union or online lender. To secure the best auto loan rate, whether at the dealership or elsewhere, it is essential to arrange financing ahead of…
The brother of Tesla CEO Elon Musk has been selling Tesla stock. Kimbal Musk has been offloading shares in recent months, just as Tesla stock has made a massive retreat from all-time highs that put the stock, however briefly, among the select group of trillion-dollar companies. Should this sale from an…
Key takeaways Currency exchange options have expanded, but knowing best practices helps you avoid costly misconceptions. While many airport exchanges charge high fees, newer automated kiosks offer more competitive rates. Modern ATM networks and bank partnerships make advance currency exchanges less necessary than before. Understanding how bank partnerships affect exchange…
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While there has been much conversation on not buying from companies with poor diversity, little has been said about investing…
Lifestyle inflation occurs when your expenses increase as you earn more income. It can start subtly—dining at pricier restaurants, upgrading…
Chime, the largest digital bank in America, grew its revenue to $1.7 billion in 2024, an increase of roughly 30%…
Technology has transformed some parts of the daunting homebuying process–making it easier to search and compare properties online, to prepare…
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Key takeaways The Hilton Honors American Express Card is the only no-annual-fee option among co-branded Hilton credit cards from American Express. As a cardholder, you could earn up to 19X bonus points when using it to book hotel stays at Hilton properties, plus bonus rewards…
Dept Managmnt
Key takeaways Social Security benefits are generally protected from creditors, but exceptions exist for federal debts, child support and legal judgments. The IRS…
Banking
Apple, FedEx and Oracle all got loans guaranteed by the Small Business Administration. But rules and red tape keep many banks from making…
Credit Cards
Key takeaways Adding authorized users to your business credit card account can make it easier for you to complete purchases and earn rewards…
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Options trading is one of the most exciting areas of the financial markets, offering the potential for significant profits if you set up the right trade. But this potential for big profits comes with huge risks, and it can be easy to mess up your investment portfolio if you make…
It’s been a wild real estate ride in the five years since the pandemic. First, a red-hot market brought rising home values and frenzied bidding wars, with high buyer demand fueled by mortgage rates as low as 3 percent in 2021. But then rates started increasing, reaching 8 percent —…
Credit Sesame breaks down federal job cuts and explains their potential impact on jobs, wages, consumer spending, and your financial health. Federal job cuts often spark debates between those who rely on government services and those who think spending should shrink. But the reality is more complex. As layoffs unfold,…
We at American Consumer Credit Counseling understand that you can’t budget your way out of simply not having enough money. Taking on a part-time, side job, or freelancing gig can provide the extra cash flow needed to accelerate debt repayment or just ease financial strain if you’re already going through…
In recent weeks, mortgage rates have fallen ahead of the Federal Reserve’s March meeting, and the spring homebuying season is underway. Are rate cuts on the table for the year ahead, and how might factors driving Fed policy impact mortgage rates? Here’s an outlook. How the Fed influences mortgage rates…
When it comes to becoming a millionaire, your mindset is an important factor, maybe the key factor, in getting you there. Yes, earning a higher income can help you build your net worth — let’s not pretend a high income isn’t important — but poor financial habits can destroy any…
Want to save more, pay off debt, and finally stop stressing about money? Budgeting is how you make it happen! Because when you tell your money where to go—instead of wondering where it went—you’re the one in control. And guess what? Budgeting doesn’t have to be overwhelming. I’ll walk you…
If you’ve never owned a home — or you have, but not recently — you might qualify for a first-time homebuyer loan or assistance. First-time buyer loans typically have more affordable rates and more flexible requirements, such as a lower minimum down payment or credit score. Many help buyers afford…
Key takeaways When used appropriately, credit cards can be powerful credit-building tools. Depending on where you’re starting from, a secured credit card can be a good first step to building strong credit. As you build a strong history with issuers, you may be able to move on to higher-level credit…
Key takeaways An 84-month auto loan generally has lower monthly payments but higher total borrowing costs. It is generally best to avoid 84-month loans, but they might be helpful in certain situations. Before you take out an 84-month car loan, explore all of your options, including waiting until you can…
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