Theresa Stevens

Nov 22, 2024 | depositaccounts.com | Theresa Stevens

Blog How to Choose a Bank Written by Theresa Stevens | Edited by Ali Cybulski | Published on 11/22/2024Whether you’re looking to manage your day-to-day expenses or grow your savings, you’ll need to understand how to choose a bank before opening an account. Selecting the right bank involves looking at various factors, including products, perks and fees. Follow these steps to find the best bank for you. On this page1.

Sep 26, 2024 | bankrate.com | Theresa Stevens |At Bankrate |Daniella Ramirez

Gift card redemption is often seen as less valuable than other redemption options, which is true in most cases. Redeeming rewards for travel often, though not always, offers the most bang for your buck. If you choose to redeem rewards for gift cards, look for promotions or bonuses to make it especially worthwhile. Many credit card issuers allow you to purchase gift cards using points, miles or cash back — but are the redemptions worth it? It depends. Why redeem rewards for gift cards?

Sep 10, 2024 | depositaccounts.com | Theresa Stevens

Written by Theresa Stevens | Edited by Becca Stanek | Published on 9/10/2024A cash management account blends features of checking and savings accounts. Cash management accounts may earn higher interest rates than standard checking and savings accounts. Your cash management account balance is covered by FDIC insurance — sometimes beyond the standard coverage limit. A cash management account (CMA) takes some of the best features of checking and savings accounts and rolls them into one account.

Apr 25, 2024 | depositaccounts.com | Theresa Stevens

Written by Theresa Stevens | Edited by Becca Stanek | Published on 11/8/2024The prime rate today is 8.00%. This means that, as of Sept. 19, 2024, this is the benchmark for the interest rate banks offer to customers perceived as the least risky — typically, those with strong credit histories. Knowing the prime rate is important because banks use it as a baseline to set rates on various types of debt, including mortgages, lines of credit, personal loans and credit cards.

Aug 7, 2023 | msn.com | Theresa Stevens

Disclaimer: We adhere to strict standards of editorial integrity to help you make decisions with confidence. All links marked with an asterisk ( * ) are paid links. Retirement is an ideal time to enjoy the company of family and friends, explore new hobbies and indulge in well-deserved relaxation. But concerns about your financial security can steal joy from your golden years, and for a significant number of Americans, this prospect is close to reality.