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☆ 'Guilt tipping' is getting out of control, but signs show consumers are pushing back
▼ + stars: | 2024-03-31 | by ( Jessica Dickler | ) www.cnbc.com time to read: +1 min

Indeed, the pressure to tip has increased over the past year, NerdWallet's consumer budgeting report also found — a feeling now known as "guilt tipping." 'Guilt tipping' is on the riseParticularly when it comes to payment prompts with predetermined options that can range between 15% and 35% for each transaction, "the guilt kind of washes over you," Self said. However, "you are not obligated to tip," Self added. Too often, consumers feel obligated to tip, he said. In the end, he said, that will be what causes business owners to scale back on suggested tip amounts or eliminate tip prompts altogether.

Persons: Tim Self, Jgi, jamie Grill, Alex Skijus Organizations: Austin Peay State University, True, Wealth Management Locations: Clarksville , Tennessee, Tampa , Florida

☆ 3 signs the economy is thriving — and 3 red flags to monitor
▼ + stars: | 2024-02-15 | by ( Noah Sheidlower | Madison Hoff | ) www.businessinsider.com time to read: +10 min

Positive labor market data and GDP growth support this, but job opportunities in some sectors are down. Not all job data is positive, with job openings falling from their post-pandemic highs. Below are some of the signs the economy is thriving, as well as some warning signs. Labor market data is mostly positiveThe labor market is still stable despite gradually slowing, Kimbrough said during the forum. "I think the investment side of our economy is going to start to chip away a little bit at the discretionary consumption weight in our economy."

Persons: —, Marc Giannoni, LinkedIn's Karin Kimbrough, Charles Schwab's Liz Ann Sonders, Giannoni, Kimbrough, Jerome Powell, Powell, NerdWallet's Elizabeth Renter, Sonders, They're, there’s, there's, — Kimbrough, it’s Organizations: Federal, Service, Barclays, NYU Stern Economic, Labor, Conference, University of Michigan's, Market Committee, Health, New, New York City Housing Locations: York, New York City

☆ These credit cards have had 'increasingly notable' high rates, analyst says. What to know before you shop
▼ + stars: | 2023-10-23 | by ( Ana Teresa Solá | ) www.cnbc.com time to read: +4 min

"We've seen all types of credit card rates go up in recent years, but store cards have been increasingly notable," said Ted Rossman, senior industry analyst at Bankrate. "It's becoming way more common for many credit cards to have that as a possible standard rate," Schulz told CNBC in a previous interview. watch nowYet, about 74% of 2023 holiday shoppers still plan on using credit cards to buy gifts this year, NerdWallet found. 'These 0% promos are very dangerous'Retail credit cards will oftentimes offer a 0% interest promotion described as "deferred interest." Sara Rathner credit cards expert and writer at NerdWallet.

Persons: We've, Ted Rossman, Matt Schulz, Schulz, Sara Rathner, NerdWallet, Bankrate's Rossman, Rathner Organizations: Bankrate, Finance, CNBC Locations: NerdWallet

☆ 3 places people say they never tip amid 'tipflation': ‘It’s out of control’
▼ + stars: | 2023-07-27 | by ( Morgan Smith | ) www.cnbc.com time to read: +3 min

Many also feel added pressure to tip amid the rise of automatic tipping prompts on self-service kiosks and apps, NerdWallet's consumer budgeting report found. Amid the "tipflation" debate, where are consumers tipping the least, or skipping gratuity altogether? To find out, CNBC Make It asked three New Yorkers which services they never tip on — and what etiquette experts recommend in each scenario. If it's fast food or you're grabbing a pre-packaged item from a shelf, Farley says you don't need to tip. An etiquette expert's take: When you're paying for a taxi or rideshare, you're paying the price of convenience, and your tip should reflect that, says Farley.

Persons: Saad Kabir, Thomas Farley, Mister Manners, Farley, Haley Truchan Organizations: CNBC, New York City Public Schools Locations: U.S, New York, Manhattan

☆ TikTokers are using this Google Flights trick to book cheap airfare — here’s how it works
▼ + stars: | 2023-06-16 | by ( Jasmin Suknanan | Jason Stauffer | ) www.cnbc.com time to read: +11 min

However, TikTokers recently found a way to lower some of those travel costs, particularly when it comes to booking flights. The Google Flights "trick" is simple, but does require some flexibility in terms of where and when you're willing to travel. Here's how the feature works: Step 1: Open up your browser and type in Google Flights. Some TikTokers who posted about this trick have shown themselves finding flights to Cancun for $270 and Las Vegas for $94. Consider booking a flight with a layover While direct flights are convenient, flights with a layover often cost less.

Persons: it's, there's, TikTokers, You'll, you'll, Chase, Airfares Organizations: NerdWallet's, Google, Labor, New, Las, Chase, American, American Express, CNBC, Card, Delta, U.S . Supermarkets, CNBC Select's, Facebook, Twitter Locations: New York, New York City, Atlanta, Toronto, Cancun, Las Vegas, U.S, Italy

☆ Americans push back against 'tip creep' — 'It's time to take a stand,' expert says
▼ + stars: | 2023-06-08 | by ( Jessica Dickler | ) www.cnbc.com time to read: +1 min

From self-service fast-food restaurant kiosks to smartphone delivery apps, there are more opportunities to tip for a wider range of services than ever before. But between the high cost of living and uncertain economy, cash-strapped consumers are starting to tip less — and resent tipping prompts even more. More from Personal Finance:Even as inflation rate subsides, prices may stay higherHere's the inflation breakdown for April 2023, in one chartWho does inflation hit hardest? Experts weigh in"Inflation and general economic unease seem to be making Americans stingier with their tipping habits, yet we're confronted with more invitations to tip than ever," said Ted Rossman, Bankrate's senior industry analyst. Many feel the pressure to tip has increased over the last year, NerdWallet's consumer budgeting report also found.

Persons: Ted Rossman Organizations: Finance

☆ Homebuyers, rejoice! You can afford to bid on a more expensive home now that mortgage rates have fallen below 6%
▼ + stars: | 2023-02-03 | by ( Robert Davis | ) www.businessinsider.com time to read: +4 min

The US housing market is warming back up because of declining mortgage rates. The average for 30-year mortgage rates have just dipped below 6% for the first time in months. Mortgage rates dipped below 6% on February 2, according to Mortgage Daily News, marking their lowest reading since September 2022. The declining mortgage rates have helped to bring buyers back to the market and bolster purchasing power. "We went from sellers controlling everything, to now being more of a neutral, and even almost a buyer's market."

☆ Finally ready to buy in 2023? These were the 10 least bubbly cities in the last two years and could be the safest bet for buyers this year as prices have remained stable.
▼ + stars: | 2023-01-26 | by ( Alcynna Lloyd | Robert Davis | ) www.businessinsider.com time to read: +2 min

Homebuyers appear to be gaining leverage in many real estate markets across the country. Approximately 28 million people say they are planning to buy a home in 2023. These 10 markets could be the safest places for regular buyers to find the home of their dreams. At least 28 million Americans say they plan on buying a home in 2023, according to NerdWallet's latest home buying survey. "In 2023, I think we'll start to see that real estate is local again."

☆ Homebuyers who are hoping for lower prices in 2023 are in for a 'rude awakening' when house hunting
▼ + stars: | 2023-01-24 | by ( Robert Davis | ) www.businessinsider.com time to read: +4 min

Some respondents said a souring economic climate could keep them from buying in 2023. One homebuyer told Insider that she is considering moving to a new state to afford a home. "I got sick of wasting money on rent and wanted to see what I could qualify for, but it has not been promising," Jenner told Insider. To Elizabeth Renter, a spokesperson for NerdWallet, these survey results show that many homebuyers may be in for a "rude awakening" in 2023. However, Renter said many homebuyers are still facing an uphill battle when it comes to buying a home.

Proptech customers, employees, and investors said they went from delighted to disillusioned. Proptech investors eager to capture these trends pumped $32 billion into the industry in 2021. As markets deteriorated, disillusionment set in among proptech customers, investors, and employees. Some customers say they were disappointed buying homes via proptech startupsReal-estate startups like Divvy Homes and Better launched under the auspices of helping customers afford quality homes. Investors in proptech firms are taking financial hitsYou don't need to ask proptech investors whether they're disappointed in the sector's performance — just look at share prices.

☆ These 7 states are the safest in the country for identity theft and fraud
▼ + stars: | 2022-12-09 | by ( Tom Huddleston Jr. | ) www.cnbc.com time to read: +4 min

Residents of Montana and Arkansas experience less identity theft — or other types of fraud — than the rest of the country. Montana residents were least vulnerable to identity theft and other types of fraud — recording the second-fewest identity theft complaints per capita in 2021, with just 106 complaints per 100,000 residents, according to the report's analysis of Federal Trade Commission data. By comparison, Rhode Island recorded the most identity theft complaints per capita, with 2,857 reports per 100,000 residents in 2021, according to FTC data. Here are the seven least vulnerable states for identity theft and fraud, based on NerdWallet's rankings:Montana Arkansas Indiana Maine Wyoming Oklahoma WashingtonCases of fraud, including identity theft, have risen in recent years, spurred partially by the Covid-19 pandemic and an uptick in data breaches flooding the black market with stolen personal information. Earlier this year, the FTC reported that consumers filed more than 5.7 million fraud reports in 2021, roughly a quarter of which were identity theft complaints.

☆ We moved from Arizona to upstate New York after droughts and wildfires scared us into meticulously researching the most climate-resilient spots in America
▼ + stars: | 2022-10-20 | by ( Dan Latu | ) www.businessinsider.com time to read: +5 min

Charles Matheus, 55, and Kelly Roberge, 54, lived in Prescott, Arizona, for over eight years. This as-told-to essay is based on a conversation with Charles Matheus, a leadership consultant, and Kelly Roberge, who works in communications and graphic design. They were renting in Prescott, Arizona, when fears over the climate crisis prompted them to search for a new home. The spreadsheet that Matheus and Roberge used to evaluate and rank their relocation options. Courtesy of Charles Matheus and Kelly RobergeWe looked at Harrisburg and Pittsburgh in Pennsylvania.

If saving for retirement is the last thing on your mind, it shouldn't be. Even if you have $0 saved at the moment, the key is to start saving something — anything. Here, a certified financial planner (CFP) shares seven tips to make saving for retirement easier. AdvertisementWhether you seek out a certified financial planner (CFP) or use a device like NerdWallet's retirement calculator, the idea is the same: Start saving something. "Surprisingly, the first step to saving for retirement is to simply start saving," he told Business Insider in an email.

Persons: —, Andy Smith Organizations: Service

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