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CIT Bank is a national online bank offering loans and deposit accounts to customers nationwide. The CIT Bank No-Penalty CD offers a competitive interest rate for savers who want to grow their money while still being able to access it without a fee when needed. These CD accounts are FDIC-insured. Learn how the CIT Bank… Continue reading Cit Bank No Penalty CD Review 2021

What is a good credit score? There is no standard definition, but credit reporting agency Experian defines “good” credit as a FICO score ranging from 670 to 739. What is a fair credit score? That definition includes FICO scores from 580 to 669. You can reap huge benefits when you raise your credit score from… Continue reading How to Improve Credit Score – From Fair to Good

Looking for a robo-advisor? Understand the pros and cons and read our profiles of leading robo-advisors to determine which is the best robo-advisor for your needs.

Planning for retirement requires thinking through how you will approach paying for the things you need once you stop working. You’ll need to estimate what your retirement expenses will be and consider how any sources of income you have available such as Social Security, investments, retirement accounts, or pensions will cover them. Some retirement costs… Continue reading Retirement Costs You May Not Be Expecting

If you are a high-flying risk taker, investing in penny stocks might be an investing option to consider. Purchasing shares in these small companies involves a lot of risk – in fact, it is not unusual to lose your entire investment if a company fails to survive. But the rewards can be great for some… Continue reading How to Trade Penny Stocks Using Mobile Apps

If you pay attention to financial news, you’ve probably heard that now is the time to refinance your house. Interest rates are near historic lows, and that’s great news for homebuyers. However, it isn’t such great news for your savings account. That’s because the same economic forces that keep mortgage rates low also keep savings… Continue reading How to Get the Best Savings Rate from Banks

Participating in your company’s 401(k) plan is an excellent way to save for retirement. A 401(k) isn’t something that you should just sign up for and forget about, though. There are some things you will need to periodically review to make sure you are getting the most benefit from your savings. The middle of the… Continue reading 401(k) Money Moves to Make Before the End of the Year

Low interest rates on savings accounts are not new — this trend has been in effect for years. However, investors care less about savings rates when inflation isn’t an issue. And in a poor economy, people accept low rates because their main objective is to avoid losing money. Today, though, the economy is heating up.… Continue reading Will Savings Account Rates Ever Go Up? Strategies for Low Rates

There was a time when freelance work was considered a “side hustle” and not the main event. That has changed dramatically in recent years. A 2019 study by Upwork and Freelancer’s Union found that 57 million Americans are in the freelance market – that represents 35% of the overall U.S. workforce. Among the 6,000 freelancers… Continue reading How Can Freelancers and Gig Workers Save for Retirement?

Using a mobile wallet to manage credit card information can make your financial life easier. And it could help keep your card information safe and secure from hackers as well. The coronavirus pandemic has helped fuel an uptick in the use of mobile payments. In a survey from Kingsmen Software, 55% of Americans said they’re… Continue reading iWallet and Google Wallet: How to Use Them to Manage Credit Cards