Credit Cards Banking Mortgages Student Loans Personal Loans Auto Insurance Life Insurance Taxes Your Money What the Fed rate decision means for bank accounts, CDs, loans, and credit cards How the Fed's decision on interest rates affects savings products, various types of loans, and credit cards. How much money should you keep in a savings account? Here are the guidelines you should follow to determine the right amount to keep in a savings account. When will mortgage rates go down? A look at 2024 and 2025. Mortgage rates are not going down right now, but expert rate predictions say they will end 2024 between 6.6% and 6.7%. Learn when mortgage rates will go down. The best CD rates on the market for July We analyzed more than 300 data points to find the best CD accounts and CD rates available today. See our top picks based on APYs, fees, and more. When will housing prices drop? House prices are not going down yet; we’ll have to wait for federal policy and new home construction for prices to improve. Learn when housing prices will drop. How much money should you keep in your checking account? The answer might surprise you. Here’s how much you should really keep in a checking account. Calculators and Tools Mortgage payment calculator Estimate your monthly payments and see how much goes toward the principal amount, interest, taxes, and insurance with the mortgage calculator. How much house can I afford? Run the calculations to determine which type of mortgage you might qualify for and how much house you can afford. Watch Now - Personal Finance The importance of 'creating margin' in your financial life Overall consumer confidence ticked higher in July, with The Conference Board Chief Economist Dana Peterson noting in the release that "On a six-month moving average basis, consumers making over $100K were the most confident, but the gap with other groups narrowed.” Scott Inman, GenWealth Financial Advisors financial advisor and host of "Get Ready for the Future Show,” advises those who are feeling less confident about their financial futures start "creating margin" in their financial lives. Inman describes the goal for retirees is to build enough assets that produce income so they can retire comfortably. In order to do that he says, you need to build a gap, or margin, between your income and expenses that gives you enough room to save and contribute to your retirement. As far as what to invest in, Inman advises investing in stocks for the long term, though as markets hit all-time highs and the Federal Reserve prepares to cut rates, fixed income is starting to look attractive. For more expert insight and the latest market action, click here to watch this full episode of Wealth! This post was written by Stephanie Mikulich. 04:52 Guild CEO talks how platform aims to boost careers 03:47 Why Merrill, IMG Academy are teaming up for student athlete finance program 03:36 How to afford your budget-friendly vacation 04:08 Two tax-friendly ways families can help pay for college tuition Editor's Picks The best credit cards for vacations Before leaving on vacation, use this guide to secure the right card for saving on travel expenses. The 10 best online banks We analyzed fees, customer experience, product selection, account features, account security, and more. How to save money: 44 tips to grow your wealth Saving money can be a challenge in today’s economy. Here are some tips for how to save money on groceries, utilities, education, and more. The 7 best checking account bonus offers Get paid to open a new checking account: Our team identified the best checking account bonus offers available today. Learn how to open an account and earn a bonus. How to find the best checking accounts The best checking accounts have low balance requirements and no monthly fees. Here’s how to find the best options. Is this a good time to buy a house? It's rarely easy to buy a home. And if you can find a house you love, the question becomes: Is now a good time to buy? The 10 best money market accounts We analyzed more than 100 data points to find the best money market accounts available today. See our top picks based on interest rates, fees, and more. The best mortgage lenders The best mortgage lenders offer low interest rates, down payment assistance, and smooth online experiences. Find the best mortgage lender for your situation. The best student credit cards Going to college is an opportunity to be independent and develop good financial habits. We looked at the best credit cards for students to help you find the right one. The best travel credit cards Here are some of the top travel credit cards available right now, whether you’re looking for everyday rewards or luxury benefits. The 10 best high-yield savings accounts We analyzed nearly 300 data points to find the best high-yield savings accounts available today. See our top picks based on interest rates, fees, and more. The best business credit cards Our picks for the best credit cards for business include the Chase Ink Business Cash and Amex Blue Business Plus Card. The best CD rates on the market We analyzed more than 300 data points to find the best CD accounts and CD rates available today. See our top picks based on APYs, fees, and more. The best personal loan rates The best personal loan lenders offer borrowers the lowest rates and issue funds quickly. Here's how to find the best personal loans to meet your financial goals. Tips for getting cheap car insurance No one wants to pay more than necessary for car insurance. Here are ways to lower your bill or find cheaper coverage. Best credit card sign-up bonuses A great welcome bonus adds a big boost to your first-year credit card rewards. Get started with our top picks today. The best credit cards for cruises Ready to set sail? Make sure you have one of these best credit cards for booking cruises in your wallet first. The best credit cards for wedding expenses Whether you’re going all-out for a destination wedding or having a small ceremony near home, these credit cards can help you save money on your nuptials. Mortgage refinance: How to get started If you want to refinance your mortgage, here's everything you need to get started. Learn whether refinancing is a good decision right now. The best credit cards Whether you’re looking for your first or fifth credit card, we’ve put together our best credit card picks over various categories. More Personal Finance Resources Mortgage rates are just over 6.75% — is this a good time to buy a house? It's rarely easy to buy a home. And if you can find a house you love, the question becomes: Is now a good time to buy? Learn if it's a good time to buy a house. What determines mortgage rates? It’s complicated. Learn what determines mortgage rates, from the economy to your credit score. Understanding mortgage rates allows you to be fully prepared when buying a house. What is the Federal Reserve? The Federal Reserve ensures the health and stability of the nation’s banks and economy through monetary policy and interbank lending. Learn why the Fed matters. Mortgage and refinance rates today, July 31, 2024: Expect rates to drop in September These are today's mortgage and refinance rates. There haven't been major changes in rates this week, but that could change come September. Lock in your rate today. Federal funds rate: What it is and how it affects you The federal funds rate is a rate set by the government that banks charge each other for short-term loans. Learn how the federal funds rate affects your money. 7 credit unions anyone can join Credit unions require you to become a member in order to open an account or borrow money. While many have narrow fields of membership, there are several credit unions anyone can join. Best Chase credit cards for August 2024 Chase offers some of the most competitive credit card rewards and benefits today. These are our top picks for the best Chase credit cards. Best credit cards for cruises for August 2024 Ready to set sail? Make sure you have one of these best credit cards for booking cruises in your wallet first. Best airline credit cards for August 2024 Looking to save on flight costs when you book your next trip? These are the best airline credit cards currently available. Used car insurance: What you need to know to save money Learn about used car insurance, including how much it costs to insure a used car, how much coverage you need, and whether you need gap insurance. 1 2 3 4 5 6 People also look for Is it a good time to buy a house? Compare high-yield savings accounts Best credit card sign-up bonuses Why are home prices so high? Best CD rates Best travel credit cards