BlackRock CEO Larry Fink discussed possible Social Security reforms that would allow more Americans to benefit from the growth in the stock market while also ensuring the program is strengthened so it can survive to serve future generations. Fink’s recently released annual chairman’s letter touched on how Social Security is “one…

Illustration by Hunter Newton/Bankrate Ayesha Garnett is defying the housing market’s grim math. A housekeeper in Philadelphia, Garnett says she doesn’t make much, but she’s smart with what she’s got. “I’m a saver,” she says. “[My salary] takes care of me and what I need to get done.” But there was…

Key takeaways A personal loan can get you cash within days at a fixed rate and steady payment. Personal loans tend to carry lower, more affordable interest rates than credit cards, if you have good or better credit. Before deciding to get a personal loan, consider potential downsides, such as…