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Hot on the heels of Hilton Amex’s recent round of generous Amex Offers for existing cardholders, comes an even richer new customer offer in two parts. Now, there’s a bonus reward opportunity beyond the upfront points bonanzas, which you can score by meeting minimum spending requirements. The new introductory welcome bonuses on two of the […]

Income-hungry investors often seek unconventional opportunities for higher yields. A lesser-known type of investment called a business development company (BDC) may help satiate their appetite. BDCs tend to offer outsized dividend yields—often 5% to 14% or more. Some outperforming BDCs may occasionally offer dividend increases, too, making them attractive investments for income seekers and retirees, […]

The 10-year Treasury gets more press than any other government security and is frequently what people refer to when they talk of Treasuries and Treasury yields. Investors pay keen attention to movements in 10-year notes because they serve as a benchmark for other borrowing rates, such as mortgage rates. When the 10-year yield fluctuates it […]

Identity theft continues to plague credit card holders, and purchasing data increasingly becomes valuable tools for advertisers to target consumers. Virtual card numbers provide extra peace of mind, without compromising ability to make payments and earn rewards. They also provide compelling enhancements to individuals and businesses who need to make payments to merchants. Virtual card […]

Once upon a time, being called a millionaire meant you were wealthy. Today, millionaire sounds almost quaint. The term of art for wealth now is high-net-worth individual, or HWNI. This clinical-sounding acronym is thrown around frequently in the financial industry to denote a person or a household with a substantial amount of wealth. What Is […]

President Joe Biden campaigned on a promise not to raise taxes on middle-class Americans. But a little-known provision in his big social programs bill could do just that. Tucked away in the American Families Plan, is a proposal to change the way capital gains taxes are paid on estates when people pass away. This seemingly […]

Applying for a credit card? Not so fast. For first-time card seekers, there are a few things worth knowing, like how credit really works, what to do without good credit history and what to look out for when choosing a card. Here are the most important things to be aware of before you hit that […]

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President Joe Biden announced in a speech before a joint session of Congress that he wanted to raise taxes on the richest Americans—by a lot. Jacking up the obligation to Uncle Sam on the top 1% of earners is politically popular, and will ostensibly be part of Biden’s plan to spend more money to help […]

The average credit score in the United States is 711—an all-time high according to credit score developer FICO. Not only is the average FICO® Score better than it has ever been, scores for U.S. consumers have been on a steady rise for the past decade. The reason credit scores matter so much is because lenders, insurance companies and other businesses routinely use them to evaluate risk. Consumer credit scores designed by FICO and VantageScore Solutions predict how likely you are to default on a credit obligation (pay 90 days late or worse) in the next 24 months. Credit scores range...

Nobody loves inflation, the economic force that makes your morning cup of coffee cost more tomorrow than it does today. But here’s the thing: Despite the fact that it’s making everything more expensive over time, a modest amount of inflation is completely necessary for economic growth, and knowing what the inflation rate is, whether it’s […]

Ripple is a money transfer network designed to serve the needs of the financial services industry. XRP, a cryptocurrency tailored to work on the Ripple network, is consistently listed among the top five cryptocurrencies by market capitalization. Despite its ambitions, Ripple is currently tied up in legal troubles with the Securities and Exchange Commission (SEC), […]

The economy is rebounding. Need proof? Check out the first quarter earnings reports corporate America is releasing, which show S&P 500 companies are on track for their highest rate of profit growth in more than a decade. Earnings aren’t the only reason to feel optimistic. More than 55% of Americans have received at least one […]

As the economy recovers, credit card companies are racing to earn your business. Chase Ink has some new offers running during May 2021 in honor of National Small Business Week: Chase Ink Business Preferred and Ink Plus: Points are worth 25% more when being used to purchase Apple products through the Apple Ultimate Rewards Store. […]

Some things aren’t meant to be. If you made a purchase on plastic that isn’t working out, you might get a credit card refund. A refund issued to a credit card means the cost of the returned product will be credited back to the associated account. Depending on whether the purchase was returned in-person or […]

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If it feels like your dollar doesn’t go quite as far as it used to, you aren’t imagining it. The reason is inflation, which describes the gradual rise in prices and slow decline in purchasing power of your dollars over time. The impact of inflation may seem small in the short term, but over the […]

For new investors, getting started can feel overwhelming. Risks loom large, and complicated, unfamiliar financial jargon can be intimidating. That’s where online brokers can come in handy: Those that offer intuitive platforms and plenty of educational resources can guide you through your early investing days. In our search for the best online broker for beginners, […]

Non-fungible tokens (NFTs) seem to have exploded out of the ether this year. From art and music to tacos and toilet paper, these digital assets are selling like 17th-century exotic Dutch tulips—some for millions of dollars. But are NFTs worth the money—or the hype? Some experts say they’re a bubble poised to pop, like the […]

It might seem like the points game is just for the most frequent of flyers. Guess again. If you have a decent credit score, you too can snag free flights and upgrades. Now, a word to the wise. Travel rewards cards can come with hefty fees and high interest rates. If you’re bad at paying […]

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President Joe Biden has been busy during his first 100 days in office. He takes the stage tonight to address a joint session of Congress for the first time as president—but what accomplishments can he tout? Although marking a president’s progress in their first 100 days doesn’t predict how prolific they will be over their […]

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If you’re carrying high-interest credit card debt that you can’t pay off right away, using a balance transfer offer can be a smart money move. The less you’re paying in interest fees, the more you can put towards knocking out the principal debt. But when your credit is just fair, it can be a bit […]

Many restaurants have reopened for outdoor or limited indoor dining and it’s tempting to occasionally go out for a meal. However, as the weather changes, our inclination to hibernate becomes that more pronounced. It’s only a matter of time until you grow tired of cooking or miss having a favorite meal from a nearby restaurant. […]

When the Covid-19 pandemic took hold in March 2020, it ended the longest economic expansion in U.S. history. Large swaths of the economy in nearly every sector were affected as businesses were shut down or operating at a fraction of what they were before. Americans, many of whom experienced unemployment or significant financial losses to their businesses, were forced to reevaluate household spending and how they were going to pay for their expenses. Read on for more information on how credit card behavior, including shifting attitudes about credit card debt and credit scores, have been affected since the start of...

Investing can help you achieve goals that go beyond monetary returns. While your focus as an investor should always be on getting the best possible performance, more and more people also want their money to reward companies that have a positive impact on the environment and society. ESG investing is a strategy that channels dollars […]

The flashiest incentives offered by some travel credit cards are the airport lounge access benefits. For those who would rather spend their pre-flight time relaxing in a cozy lounge with free food and drinks, there are several card options available. Other common travel benefits that come with cards that offer lounge access include no foreign […]

Determining your net worth is like giving yourself a financial report card. By counting up your assets and liabilities, you can get a clearer view of your finances, identify what’s working and fix what’s not. Once you know your net worth and compare it to the average net worth of other people your age, you […]

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