Cindy Robinson/Getty Images Mortgage rates have been on a wild ride in recent years, plunging to record lows during the pandemic, then racing up to…
The GENIUS Act is a proposed bill that regulates one type of cryptocurrency called stablecoins, a $200 billion part of the multi-trillion-dollar cryptocurrency system. The bill’s name stands for Guiding and Establishing National Innovation for…
Key takeaways Money market accounts combine savings features with checking-like access through debit cards and check-writing. The top high-yield savings accounts currently earn up to 4.50 percent APY, while top money market accounts earn up to 4 percent APY. Money market accounts often require higher minimum balances but offer more…
Key takeaways Mutual funds — a type of investment that lets you buy a collection of securities — offer convenience, professional management and diversification. There are a few drawbacks with mutual funds, including high fees, uncontrollable tax events and no intraday trading. If you’re new to investing, mutual funds can…
Early retirement is alluring. Imagine trading office buildings for Florida beaches, waking up to the smell of freshly brewed coffee instead of alarm clocks and having the freedom to pursue your hobbies without the pressure of a traditional job. While it’s fun to think about, the reality is that early…
Key takeaways A debt management plan (DMP) can make it easier to manage your unsecured debts, including credit card bills and personal loans. If a credit counselor successfully negotiates with your creditors, you can avoid collection calls, save on interest expenses and get out of debt sooner. However, debt management…
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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…
