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☆ 7 signs you grew up in a dysfunctional family, even if it looked perfect on the outside
▼ + stars: | 2024-01-10 | by ( Julia Pugachevsky | ) www.businessinsider.com time to read: +6 min

"Families send messages, implicitly and explicitly, about what's permissible and what's not permissible in a family system," Wright told Business Insider. For example, if you were raised by an overly critical parent , Wright said you can find it very difficult to "turn off those critical voices in your head." You struggle to regulate your emotionsEmotional dysregulation occurs when you can't access, name, and appropriately express your feelings, Wright said. You have an insecure attachment styleEven if you know your family is dysfunctional and you want to be the opposite, it's not so simple. The last three can be caused by growing up in a dysfunctional family.

Persons: —, Annie Wright, Wright, Jose Luis Pelaez, it's, fizkes, " Wright Organizations: Service, Business Locations: Berkeley , California

Marco Vdm | E+ | Getty ImagesThe wage gap costs women in the U.S. about $1.6 trillion a year, a new report finds. Women earned 78 cents for every dollar that men made in 2022, according to National Partnership for Women and Families. Forty-two percent of the wage gap is the result of occupational segregation, which was exacerbated by the pandemic, the U.S. Department of Labor has found. To that point, half of U.S. adults said women being treated differently by employers contributes to the pay gap, the Pew Research Center found. That pay scale worsens for each major racial or ethnic group in the country, with white female workers paid 74 cents to the dollar; Black female workers, 66 cents; and Latina female workers, 52 cents.

Persons: Marco Vdm, We've, Jocelyn Frye, Mandi Woodruff, Santos, Frye, Woodruff, Jose Luis Pelaez Organizations: National Partnership for Women, U.S . Census Bureau, U.S . Department of Labor, Pew Research Center, Latina, MandiMoney, Jose Luis Pelaez Inc, Getty Locations: U.S

☆ How many credit cards should you have? The answer isn’t zero, say experts
▼ + stars: | 2023-06-24 | by ( Greg Iacurci | ) www.cnbc.com time to read: +4 min

Eighty-two percent of American adults had a credit card in 2022, according to the U.S. Federal Reserve. Benefits to having more than one credit cardHowever, there can be drawbacks to having just one credit card. In addition, having a second credit card, or more, can help build a person's credit utilization ratio, said Curtis, founder and CEO of Curtis Financial Planning. Credit utilization is an important determinant in one's credit score and having one that's too high can reduce your score. Having more than one card raises one's overall credit limit, and with responsible use, can reduce one's credit utilization ratio.

Persons: Jose Luis Pelaez, Ted Rossman, Strong, cardholders, Bruce McClary, McClary, Rossman, Cathy Curtis, Curtis, Xavier Lorenzo, Cardholders Organizations: Jose Luis Pelaez Inc, CreditCards.com, Consumer Federation of America, U.S . Federal, National Foundation, Credit, Mastercard, Curtis, Curtis Financial

☆ Democrats renew push for national paid family and medical leave program
▼ + stars: | 2023-02-03 | by ( Lorie Konish | ) www.cnbc.com time to read: +4 min

Had a federal paid leave policy been in place, many of those women may have been able to stay employed, she said. "Imagine if, during the pandemic, we had had a national paid leave program," Gillibrand said. The Family and Medical Insurance Leave Act, or FAMILY Act, was reintroduced by lawmakers including Gillibrand and Rep. Rosa DeLauro, D-Conn., with the goal of creating the first paid national family and medical leave program. "It is a reasonable, pragmatic way to get to paid family leave," Duckworth, who is a co-sponsor of the bill, told CNBC.com in an interview. The Education Support Professionals Family Leave Act would provide education support workers such as school bus drivers with unpaid leave under FMLA.

Using BNPL to spread out purchases over time has a a few advantages over paying by credit card. To help my efforts, I removed all my credit card information from being auto-saved on my favorite e-commerce sites. In just the past three months, this helped me lower my credit card bills by 25%, since I had to think through each item in my cart before getting up and manually entering my credit card information. Note that credit card lenders may use many different variations of credit score models when considering your application. While credit card issuers aren't always so transparent, each has its own credit score range that they require applicants to have.

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