Binance.US offers a wide selection of cryptocurrencies and zero-commission trades on some Bitcoin pairs. Binance, which we use here to refer to the U.S. arm of the exchange, charges reasonable commissions that decline as you…

Image by GettyImages; Illustration by Austin Couregge/Bankrate Key takeaways The first-time homebuyer tax credit no longer exists; the U.S. government offered this program for first-time homebuyers from 2008-2010. A first-time homebuyer tax credit offers a direct reduction in the amount of income tax you owe. President Trump has not specifically…

Image by GettyImages; illustration by Bankrate What is life insurance face value? If you’ve ever purchased a policy or researched doing so, you may have heard this term. Simply put, the face value, or face amount, of your policy is the amount of insurance you buy. So, for example, if…

Key takeaways With dealer financing, the dealership arranges financing on your behalf, typically through a partner lender, the vehicle manufacturer or the dealership’s own financing company. While dealer financing is convenient, it isn’t recommended unless you qualify for competitive rates or can’t get approved elsewhere. If you’re leaning towards dealer…

Key takeaways Applying for a credit card triggers a hard pull, which dings your credit score whether you’re approved for the card or not. New credit applications are only 10 percent of your credit score, so a hard pull may only decrease your score by a few points, although the…