Key takeaways CDs and share certificates are nearly identical fixed-term deposit accounts that earn guaranteed returns over a set period. The main difference is that CDs are offered by banks and pay interest; share certificates…

Key takeaways LGBTQ+ friendly banking addresses unique financial challenges like name changes, discrimination in lending and specialized financial needs. Key features to look for include non-discrimination policies, chosen name options on cards, employee resource groups and community support. Major LGBTQ+ supportive banks include Amalgamated Bank, BMO Harris, Capital One, Chase…

Key takeaways A personal loan can get you cash within days at a fixed rate and steady payment. Personal loans tend to carry lower, more affordable interest rates than credit cards. Before deciding to get a personal loan, consider potential downsides, such as steep fees and rigid repayment terms. Personal…

Key takeaways The best buy now, pay later (BNPL) apps allow you to spread the cost of a purchase over several weeks or months without interest. Bankrate’s top BNPL picks include Affirm, Afterpay, PayPal, Sezzle and Zip. Most buy now, pay later plans offer no-interest payment options. Many retailers have…

Drs Producoes/Getty Images Key takeaways When you sell mutual fund shares, you will be subject to taxes on the gains. You may owe taxes even if you still own a mutual fund. To minimize taxes on mutual funds, watch what you buy and how, hold shares for a long time…