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☆ These home remodeling projects offer the highest return on investment in history, report finds
  + stars: | 2024-05-20 | by ( Jessica Dickler | ) www.cnbc.com   time to read: +3 min
And when it comes to the return on investment, some projects now offer the highest return values in history — with a few home upgrades averaging returns of nearly 200% for the first time ever — according to the 2024 Cost vs. Value report from Zonda Media, a housing market research and analytics firm. Garage door replacements offered the highest average return at 194%, followed by upgrading to a steel front door, with a 188% return on investment — both worth nearly double what they were last year, the report found. Curb appeal is keyForget a designer chef's kitchen, the projects offering the greatest returns in resale value are mostly related to curb appeal rather than more glamorous kitchen and bath remodels, according to Zonda's report. In fact, nine out of the top 10 projects with the highest return on investment were exterior improvement projects, the report found. Only three projects on Zonda's list can typically deliver even a 100% return on investment, including replacing the garage doors, upgrading to a steel front door and installing a stone veneer.
Persons: Clay DeKorne, Zonda's, DeKorne, Angelica Ferguson VonDrak, Todd Tomalak, Tomalak Organizations: Zonda Media, Finance, Photodisc, Getty Locations: Rhinebeck , New York
☆ Flying is cheaper in 2024. But not for some destinations
  + stars: | 2024-05-20 | by ( Greg Iacurci | ) www.cnbc.com   time to read: +2 min
Americans traveling this summer have broadly seen prices fall for airline fares, a welcome trend after last year's sticker shock. But airfare remains more expensive in 2024 for some regions and destinations, largely for trips abroad, data shows. Flights to Canada, South America, and the Middle East and Africa regions are also up 6%, 2% and 1%, respectively, from summer 2023, Hopper found. High prices to certain Asian cities impact many American tourists since the continent is their second-most frequented international travel destination, Hopper said. Average fares to Europe, the most popular trip abroad for Americans, are down 8% in summer 2024 versus a year ago, when they were at record highs.
Persons: Hopper Organizations: Finance Locations: Tokyo, Japan, Canada, South America, East, Africa, Europe, Asia, Sakata, Ipoh, Udon Thani, Thailand's, Rio de Janeiro, Brazil, Lima, Peru, Santiago, Chile, Friedrichshafen, Memmingen, Germany, Bratislava, Slovakia
☆ My baby boomer parents gave great financial advice. They helped me open a checking account at 13 and taught me the value of saving.
  + stars: | 2024-05-19 | by ( Sandrine Jacquot | ) www.businessinsider.com   time to read: +4 min
There's so much personal finance advice out there, but as I settle into adult life, I rely more and more on the fundamentals my parents taught me. They taught me to save what I earnedIt's undisputed that saving money is smart, and it's true that you can find this particular financial advice anywhere. But this is another one of the key money lessons my baby boomer parents taught me. Being economical often gets a bad rap, but I think it's one of the most valuable money habits my baby boomer parents instilled in me, especially given the cost of living today. Now that I'm older and have more expenses, my experience and relationship with money influenced by my baby boomer parents have hopefully set me up for success.
Persons: I've, — Organizations: Service
☆ Social Security's 'biggest myth' leads people to claim early, expert says. Even a slight delay can boost retirement income
  + stars: | 2024-05-19 | by ( Lorie Konish | ) www.cnbc.com   time to read: +4 min
Nevertheless, 75% of adults ages 50 and up believe Social Security will run out in their lifetime, a 2023 Nationwide Retirement Institute survey found. When people claim Social SecurityMoreover, data shows retirees often don't wait until they are able to receive 100% of the benefits they've earned. The full retirement age is generally between 66 and 67, depending on an individual's birth date. For every year beneficiaries wait past their full retirement age up to age 70, they stand to get an 8% benefit increase. Every month increases your benefitsNevertheless, experts say it's still generally best to delay claiming retirement benefits.
Persons: Emerson Sprick, they've, —, Warren Buffett's, Suzanne Shu, John Payne, Teresa Ghilarducci, Sprick Organizations: Security, Center, Social, Institute, Social Security Administration, Finance, Cornell University SC Johnson College of Business, Duke University Fuqua School of Business . Workers, The New School for Social Research, CNBC Locations: New
☆ I toured Warren Buffett's hometown: Despite huge wealth, 'it's all very understated,' says 'Buffettology' author
  + stars: | 2024-05-18 | by ( Ryan Ermey | ) www.cnbc.com   time to read: +2 min
Warren Buffett walks the floor ahead of the Berkshire Hathaway Annual Shareholders Meeting in Omaha, Nebraska on May 3, 2024. I've written about personal finance and investing for 11 years, which means I've spent just about the same amount of time covering legendary investor Warren Buffett. Along with tens of thousands of investors, I traveled to Omaha, Nebraska, in early May to attend the annual shareholders meeting of Berkshire Hathaway, the company Buffett helms. I was meeting Clark for lunch. The whales and the wannabes come to Omaha to be seen, Clark told me over lunch, but also to get a peek into Buffett's world.
Persons: Warren Buffett, I've, Berkshire Hathaway, Buffett helms, David Clark, Buffett, Cherry Cokes, Clark, He's Organizations: Berkshire, Oracle Locations: Omaha , Nebraska, Omaha, Berkshire
☆ No ‘cop on the beat’: Why the SEC may deny new ether ETFs this month
  + stars: | 2024-05-18 | by ( Emily Glass | ) www.cnbc.com   time to read: +2 min
The U.S. Securities and Exchange Commission is expected to make a key decision on approving ether exchange-traded funds next week. Edelman, an investor and personal finance author, thinks there needs to be an emphasis on regulations to protect people from crypto scams. We've seen the bitcoin ETFs come to market. We've seen the great things they've done for investors — lowering costs, improving regulation, improving sort of safety, security and peace of mind.," Hougan said. The two ether ETF proposals, submitted by VanEck and ARK Investments/21Shares, are set to be approved or denied this month.
Persons: Ric Edelman, Edelman, CNBC's, Gary, Gensler, Matt Hougan, Bitwise, We've, Hougan, VanEck Organizations: U.S . Securities, Exchange, Digital Assets, Financial Professionals, SEC, ARK Investments
☆ Personal Finance Tips 2024: 529 Savings
  + stars: | 2024-05-17 | by ( Sharon Epperson | ) www.cnbc.com   time to read: 1 min
Share Share Article via Facebook Share Article via Twitter Share Article via LinkedIn Share Article via EmailPersonal Finance Tips 2024: 529 SavingsSenior Personal Finance Correspondent Sharon Epperson shares her personal finance tips for 2024 including changes to 529 savings accounts.
Persons: Sharon Epperson Organizations: Finance
☆ May 17 is the last chance to claim your 2020 tax refund — the median payment is $932, IRS says
  + stars: | 2024-05-17 | by ( Kate Dore | Cfp | ) www.cnbc.com   time to read: +1 min
May 17 is the last chance to file 2020 returns and claim your refund — which could include missed pandemic relief, experts say. As of May 6, there was still an estimated $1 billion in unclaimed refunds from tax year 2020, and the median possible payment was $932, according to the IRS. But roughly 940,000 taxpayers could surrender their 2020 refund payment if they don't file by May 17, the agency explained in May. The 2020 tax deadline was postponed to May 17, 2021, amid the pandemic — and the three-year deadline to file 2020 returns and collect refunds is now upon us. "If you let if you let it slip, there's nothing anybody can do," said Bill Smith, national director of tax technical services at financial services firm CBIZ MHM.
Persons: John Karls, Bill Smith, CBIZ Organizations: Finance
☆ Personal Finance Tips 2024: Estate Planning
  + stars: | 2024-05-17 | by ( Sharon Epperson | ) www.cnbc.com   time to read: 1 min
Share Share Article via Facebook Share Article via Twitter Share Article via LinkedIn Share Article via EmailPersonal Finance Tips 2024: Estate PlanningSenior Personal Finance Correspondent Sharon Epperson shares her personal finance tips for 2024 including the important of estate planning.
Persons: Sharon Epperson Organizations: Finance
☆ Personal Finance Tips 2024: Life Insurance
  + stars: | 2024-05-17 | by ( Sharon Epperson | ) www.cnbc.com   time to read: 1 min
Share Share Article via Facebook Share Article via Twitter Share Article via LinkedIn Share Article via EmailPersonal Finance Tips 2024: Life InsuranceSenior Personal Finance Correspondent Sharon Epperson shares her personal finance tips for 2024 including what to know about life insurance.
Persons: Sharon Epperson Organizations: Finance
☆ Personal Finance Tips 2024: Health Insurance
  + stars: | 2024-05-17 | by ( Sharon Epperson | ) www.cnbc.com   time to read: 1 min
Share Share Article via Facebook Share Article via Twitter Share Article via LinkedIn Share Article via EmailPersonal Finance Tips 2024: Health InsuranceSenior Personal Finance Correspondent Sharon Epperson shares her personal finance tips for 2024 including what to know about health insurance.
Persons: Sharon Epperson Organizations: Health, Finance
☆ Personal Finance Tips 2024: Emergency Savings
  + stars: | 2024-05-17 | by ( Sharon Epperson | ) www.cnbc.com   time to read: 1 min
Share Share Article via Facebook Share Article via Twitter Share Article via LinkedIn Share Article via EmailPersonal Finance Tips 2024: Emergency SavingsSenior Personal Finance Correspondent Sharon Epperson shares her personal finance tips for 2024 including how to build an emergency savings account.
Persons: Sharon Epperson Organizations: Finance
☆ Personal Finance Tips 2024: Affording a Home
  + stars: | 2024-05-17 | by ( Sharon Epperson | ) www.cnbc.com   time to read: 1 min
Share Share Article via Facebook Share Article via Twitter Share Article via LinkedIn Share Article via EmailPersonal Finance Tips 2024: Affording a HomeSenior Personal Finance Correspondent Sharon Epperson shares her personal finance tips for 2024 including how to know how much home you can afford.
Persons: Sharon Epperson Organizations: Finance
☆ Personal Finance Tips 2024: Budgeting
  + stars: | 2024-05-17 | by ( Sharon Epperson | ) www.cnbc.com   time to read: 1 min
Share Share Article via Facebook Share Article via Twitter Share Article via LinkedIn Share Article via EmailPersonal Finance Tips 2024: BudgetingSenior Personal Finance Correspondent Sharon Epperson shares her personal finance tips for 2024 including how to spend less and save more.
Persons: Sharon Epperson Organizations: Finance
☆ 31-year-old joined the Air Force at 18—now he lives in Italy and has $500,000 saved up to retire in 7 years
  + stars: | 2024-05-16 | by ( Ryan Ermey Lauren Shamo | Ryan Ermey | Lauren Shamo | ) www.cnbc.com   time to read: +11 min
Thedieck, now 31, is still in the military, and has gotten an awful lot of what he's wanted ever since. Darren Thedieck, age 31, joined the Air Force at age 18. Saving on a military salaryThedieck was interested in saving and investing long before he joined the Air Force. Right now, though, the plan is for that money to provide a financial "cushion" for the family, Thedieck says. Instead of full retirement after military life, both he and Naudia plan to take off in a new direction.
Persons: Darren Thedieck wasn't, he's, Thedieck, He's, Darren Thedieck, Andrea Ferro, Naudia, Denmark —, he'll, — Warren Buffett, Benjamin Graham, Darren, That's, They're Organizations: CNBC, U.S . Air Force, Air Force, titans, Social Security, Service Credit Union, Apple, Disney, Netflix, Spotify, FIRE Locations: Las Vegas, England, South Korea, Germany, Aviano, Italy, Venice, Denmark, United States
☆ Average consumer carries $6,218 in credit card debt, as more borrowers are falling behind on their payments
  + stars: | 2024-05-16 | by ( Jessica Dickler | ) www.cnbc.com   time to read: +2 min
Americans now owe $1.12 trillion on their credit cards, the Federal Reserve Bank of New York reported Tuesday. Keeping up with credit card debt is getting more difficult. "Rent, when you have it, auto loans, utilities, these are all things consumers prioritize ahead of credit cards." As a result, credit card delinquency rates are higher across the board, the New York Fed and TransUnion found. Over the last year, roughly 8.9% of credit card balances transitioned into delinquency, the New York Fed reported.
Persons: Charlie Wise, TransUnion's, Young, Wise, TransUnion, Kassandra Martinchek Organizations: Federal Reserve Bank of New, New York Fed, Finance, Fed, Urban Institute Locations: TransUnion, Federal Reserve Bank of New York, , New
☆ Auto incentives are back — but high interest rates weaken deals for buyers
  + stars: | 2024-05-16 | by ( Ana Teresa Solá | ) www.cnbc.com   time to read: +4 min
Simonskafar | E+ | Getty ImagesIncentives are coming back to the auto market, but high interest rates are weakening those deals for car shoppers. In today's market, consumers are more likely to see it as "free money," she said, especially as auto loan rates stay high. watch nowWhen you roll that into your new car loan, it increases your payment. Search for available incentives: Car shoppers will have to a do lot more shopping and research to find available incentives, Caldwell said. Know your credit score: While shoppers might come across 0% financing offers, those deals are often reserved for buyers with excellent credit.
Persons: Jessica Caldwell, Trump, Brian Moody, Kelley, Edmunds, Caldwell, That's, that's, Moody Organizations: Getty, Finance, Biden Locations: Edmunds
☆ Here are some options to reduce taxes on your savings interest this year
  + stars: | 2024-05-16 | by ( Kate Dore | Cfp | ) www.cnbc.com   time to read: +1 min
Many Americans are earning more on cash after interest rate hikes from the Federal Reserve — and that income can trigger a surprise at tax time. "So many people were shocked by their cash interest earned" and taxes owed, said Boston-based certified financial planner Catherine Valega, founder of Green Bee Advisory. Interest from savings accounts or certificates of deposits incurs regular or "ordinary income" taxes, depending on your federal income tax bracket. Some investors also owe state taxes on interest. Meanwhile, some of the biggest money market funds were paying north of 5% as of that date, according to Crane Data.
Persons: Catherine Valega, Trump Organizations: Federal Reserve, Green Bee, IRS, Finance, Biden, Data Locations: Boston
☆ Here's the deflation breakdown for April 2024 — in one chart
  + stars: | 2024-05-16 | by ( Greg Iacurci | ) www.cnbc.com   time to read: +5 min
Consumers have largely seen prices deflate for physical goods, such as cars, furniture and appliances, economists said. They've also declined for some groceries and other things, such as travel, according to the consumer price index. Physical goods prices have deflated in all but one month since May 2023, for example. watch nowThe U.S. dollar's strength relative to other global currencies has also helped rein in prices for goods, economists said. Downward pressure on goods prices has waned a bit in recent months as supply-and-demand dynamics have normalized, economists said.
Persons: Oscar Wong, They've, they've, Michael Pugliese, Stephen Brown, Mark Zandi, Zandi, Hayley Berg, Hopper, There's, Brown Organizations: Consumers, Wells, Wells Fargo Economics, North, Capital Economics, Finance, GameStop, AMC, U.S, Federal Reserve, Canadian, Moody's, Airlines Locations: Wells Fargo, North America, U.S
☆ The salary you need to be considered middle class in every U.S. state—it's close to $200,000 in 2 of them
  + stars: | 2024-05-16 | by ( Cheyenne Devon | ) www.cnbc.com   time to read: +1 min
In the U.S., whether you're considered middle class or not may depend on where you live. In some states, you can earn over $150,000 and still be considered middle class. The personal finance site defines "middle class" as households with an annual income that is two-thirds to double a state's median income. In Maryland, you're considered middle class if your income falls between $65,641 and $196,922, according to GOBankingRates. Here's the income range that qualifies as middle class in every U.S. state, listed in alphabetical order.
Persons: GOBankingRates, It's Organizations: Survey, Maryland, Census Locations: U.S, — Maryland, New Jersey
☆ Biden administration extends key deadline for student loan forgiveness
  + stars: | 2024-05-15 | by ( Annie Nova | ) www.cnbc.com   time to read: +2 min
The U.S. Department of Education is giving borrowers more time to meet a key student loan forgiveness deadline. "The Department is working swiftly to ensure borrowers get credit for every month they've rightfully earned toward forgiveness," U.S. Borrowers pursuing the popular Public Service Loan Forgiveness program can also receive additional credit from the payment count adjustment, as long as they certify their qualifying employment for those months. The payment count adjustment is an attempt to rectify longstanding issues for student loan borrowers. The Consumer Financial Protection Bureau also found borrowers were needlessly steered into expensive forbearances, during which interest accrues and credit toward forgiveness is paused.
Persons: —, Biden, Education James Kvaal, weren't Organizations: U.S . Department of Education, Education, Finance, Public, Government, Office, Consumer Financial Locations: U.S, deferments
☆ 39-year-old self-made millionaire: 7 frugal habits I will never give up, no matter how much money I have
  + stars: | 2024-05-15 | by ( Bernadette Joy | ) www.cnbc.com   time to read: +6 min
I made a plan, paid off my debt in three years and ultimately became a millionaire in my thirties. Today, I run a coaching business called Crush Your Money Goals, where I teach others how to make their money work for them. Regardless of how much wealth I continue to build, these are seven frugal habits that I don't intend to quit— no matter how much money I have. I've even repurposed those extra toothbrushes and toothpastes to clean my shoes when they've gotten dirty from long walking tours. Why these frugal habits will always mean so much to me
Persons: I'm, Bernadette Joy, It's, I've Locations: Charlotte , North Carolina, Asia, Seoul
☆ Here's the inflation breakdown for April 2024 — in one chart
  + stars: | 2024-05-15 | by ( Greg Iacurci | ) www.cnbc.com   time to read: +5 min
That increase is largely due to dynamics in the market for crude oil, which is refined into gasoline, economists said. Annual housing inflation declined to 5.5% in April from 5.7% in March. Shelter and gasoline inflation combined contributed more than 70% of the monthly CPI increase for all items, according to the BLS. Americans' buying patterns also simultaneously shifted away from services — such as entertainment and travel — toward physical goods since they stayed at home more, driving up demand and fueling decades-high goods inflation. Wage growth has been one contributor to services inflation, for example, economists said.
Persons: Grace Cary, That's, Mark Zandi, we're, Zandi, Michael Pugliese, Trump, Stephen Brown, Pugliese Organizations: U.S . Labor Department, Moody's Analytics, Federal Reserve, of Labor Statistics, Wells, Wells Fargo Economics, U.S, U.S . Energy Information Administration, Finance, GameStop, AMC, Biden, North, Capital Economics, Supply Locations: U.S, Wells Fargo, North America
☆ High inflation harms older households — and two factors determine who is most at risk, research finds
  + stars: | 2024-05-15 | by ( Lorie Konish | ) www.cnbc.com   time to read: +4 min
This year, Social Security beneficiaries saw a 3.2% increase to their benefits. The Social Security cost-of-living adjustment may also be 3.2% in 2025 based on the latest government inflation data, estimates Mary Johnson, an independent Social Security and Medicare policy analyst. That estimate may change between now and October, when the Social Security Administration announces next year's cost-of-living adjustment, or COLA. The average Social Security COLA has been 2.6% over the past 20 years, according to The Senior Citizens League. Many households tend to cut back on savings and increase withdrawals to try to lift themselves to where they were before inflation picked up.
Persons: Lourdes Balduque, Mary Johnson, Social Security COLA, Laura Quinby, It's, Quinby, Warren Buffett's Organizations: Social, Social Security, Social Security Administration, Senior Citizens League, Center for Retirement Research, Boston College, Center for Retirement, Finance
☆ 529 college savings plans 'are better now than they've ever been,' expert says. Here are key changes for 2024
  + stars: | 2024-05-15 | by ( Jessica Dickler | ) www.cnbc.com   time to read: +3 min
Whether the funds are for college or vocational studies, she said, "529 plans are better now than they've ever been before and they're more flexible." "There are three pretty significant changes this year," said Vivian Tsai, senior director of education savings at TIAA and chair emeritus for the College Savings Foundation, a non-profit that provides public policy support for 529 plans. Financial experts and plan investors agree that 529 college savings plans are a smart choice for many. Tax deductions or credits for contributionsEven before recent changes, there were already many advantages to a 529 plan. A few states also offer additional benefits, such as scholarships or matching grants, to their residents if they invest in their home state's 529 plan.
Persons: Vivian Tsai, New Roth, beneficiary's Roth, Chris Lynch, they're, " Lynch Organizations: College Savings Foundation, Financial, Finance, CNBC, Federal
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