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☆ The Fed hasn't touched interest rates since July, but they're still moving. What that looks like for credit cards, mortgages and savings accounts
▼ + stars: | 2024-03-20 | by ( Gabriel Cortés | ) www.cnbc.com time to read: +4 min

It's one of the silver linings to the current rate environment, said Ted Rossman, chief credit card analyst at Bankrate. Credit cardsThe flip side to the positive environment for savers is the expensive credit card market: Consumers carrying balances on their cards face historically high rates. "The Fed is not going to come to your rescue on credit card rates," Rossman said. The Fed is not going to come to your rescue on credit card rates. Mortgage ratesWhile savings and credit card rates are very sensitive to maneuvers from the Federal Reserve, the area that might see the most movement is housing.

Persons: Ted Rossman, There's, Rossman, they've, they'd, Bankrate Rossman Organizations: Hinterhaus, Getty, U.S . Federal Deposit Insurance Corp, Federal Reserve

☆ 3 mistakes couples make when planning their honeymoons
▼ + stars: | 2024-03-03 | by ( Samantha Grindell | ) www.businessinsider.com time to read: +5 min

Planning a honeymoon is exciting, but it can be easy to make mistakes as you schedule your trip. download the app Email address Sign up By clicking “Sign Up”, you accept our Terms of Service and Privacy Policy . Business Insider spoke to Allison Kobasky, the cofounder of Over the Moon Vacations, about the most common mistakes people make as they plan their honeymoons. AdvertisementDon't rely on social media for your plansKobasky said many couples fall into "tourist traps" when planning their honeymoons, often because of social media. AdvertisementMost importantly, make sure you and your partner plan the honeymoon that's right for you two.

Persons: —, Allison Kobasky, Kobasky, Josh, you'll Organizations: Service, Hinterhaus, Facebook Locations: Instagram, Atlanta, Thailand, Maldives, Italy, Rome, mihailomilovanovic

☆ Bipartisan tax deal could boost child tax credit for 2023. What it means for families this tax season
▼ + stars: | 2024-01-16 | by ( Kate Dore | Cfp | ) www.cnbc.com time to read: +2 min

Hinterhaus ProductionsHow much the credit could be worth for familiesWhile less generous than the enhanced child tax credit enacted during the Covid-19 pandemic, the changes would boost the maximum refundable tax break to $1,800 per child for 2023, up from the current 2023 limit of $1,600. The limit would increase to $1,900 for tax year 2024, and $2,000 for tax year 2025, along with inflation adjustments. "It's extremely well-targeted to provide significant relief to millions of low-income families," said Chuck Marr, vice president for federal tax policy for the Center on Budget and Policy Priorities. 'Not much time in a best-case scenario'With proposed retroactive changes for 2023, there's pressure to enact the legislation by the opening of tax season on Jan. 29. "But there's not much time in a best-case scenario," said Garrett Watson, senior policy analyst and modeling manager at the Tax Foundation.

Persons: Chuck Marr, Garrett Watson, Watson Organizations: Hinterhaus, Center, Budget, Tax Locations: U.S

Updating your name with the credit bureaus can prevent delays in credit applications and other credit reporting errors. Hinterhaus Productions/Getty ImagesTransgender and nonbinary people can report their legal name change to credit bureaus. One of the many steps in your legal transition is to report your legal name change to all three credit bureaus — Experian, Equifax, and TransUnion — so it'll appear on your credit report. Its also recommended that you change your name with each of your lenders before updating your name with the credit bureaus. Box 4500Allen, TX 75013TransUnionUnlike the other two credit reporting bureaus, TransUnion requires you to change your legal name with every individual financial institution listed on their credit report first.

Persons: Hinterhaus, —, there's, TransUnion, Ryan Klippel, Klippel, folx, you'll, Experian Experian, Allen, it's Organizations: Social Security, Service, Optas, Social, TransUnion, National Center for Transgender Equality, UC Berkeley, Google, Security Locations: myEquifax, Allen , TX, Chester , PA, California

☆ I worked at a popular hotel chain for 3 years. From lost-and-found rules to freebies, here's what would surprise guests.
▼ + stars: | 2023-12-04 | by ( Dani Quesnel | ) www.businessinsider.com time to read: +4 min

I worked at a popular hotel chain for three years, and many things about the job surprised me. Here are the most surprising things about the job. I could offer a number of surprising toiletries to guestsThe front desk at a hotel usually offers more toiletries than you might think. Guests rarely checked out of their roomsThe checkout process lets hotel staff know when a room is vacant so they can start cleaning and reoccupying it. I often learned a lot from our guestsI loved meeting new guests when I worked at a hotel.

Persons: didn't, —, I'd Organizations: Service, DC, Hinterhaus

☆ Americans are facing a retirement 'financial vortex,' says Goldman Sachs. Not having a plan makes it worse.
▼ + stars: | 2023-10-18 | by ( Cork Gaines | ) www.businessinsider.com time to read: +4 min

Two new surveys show most Americans feel like they are behind on their retirement savings. Competing forces of the "financial vortex" and lack of financial plans are hurting retirement hopes. Goldman Sachs calls it a "financial vortex," and says simply having a plan can help Americans find their way through. While most have a dim outlook, the results varied by age and whether or not they had a financial plan. To avoid falling behind, Goldman Sachs said the two biggest factors that can help people reach their retirement goals are increasing financial literacy and having a personalized financial plan.

Persons: —, Goldman Sachs, Bankrate, Gen Xers, boomers, Gen Zers, Zers, Hinterhaus, Drazen Zigic Organizations: Service, Goldman, Getty Locations: millennials

☆ The job market is strong, economists say — but workers don’t think so
▼ + stars: | 2023-10-03 | by ( Greg Iacurci | ) www.cnbc.com time to read: +2 min

The job market is stable but not 'gangbusters'Several metrics — including job openings, quits, layoffs and the unemployment rate — suggest the labor market is healthy, economists said. I think a lot of folks are comparing the labor market today to a year or two ago when things were hot. The problems with the 2021, 2022 job marketsIn fact, job openings rose significantly, by 690,000, to 9.6 million in August, the Labor Department reported Tuesday. And the broader trend is clear: Job openings, along with quits and hires, have cooled from their pandemic-era peaks, economists said. "I think a lot of folks are comparing the labor market today to a year or two ago when things were hot," Zhao said.

Persons: Daniel Zhao, Zhao, Pollak Organizations: Bank, Getty, Federal Reserve, U.S . Department of Labor, Labor Department

☆ Companies are learning that Gen Z isn’t the easiest generation to work with
▼ + stars: | 2023-05-26 | by ( Mikaela Cohen | ) www.cnbc.com time to read: +3 min

By 2025, Gen Z will account for one-third of the workforce, according to the World Economic Forum. Companies need to refine their approach to working with Gen Z, Salinas said, and tech tools like ChatGPT and social media like TikTok could help make them successful. In return, Gen Z can provide companies with indispensable knowledge of social media and newer artificial intelligence tools like ChatGPT. "A lot of companies see culture as a secondary thing," Salinas said, but with Gen Z it is front and center. "Self-care, mental health, and global issues are important to them and, if it isn't a part of your company culture, that's a huge turnoff to Gen Z employees."

☆ Citi/AAdvantage cardholders can now book American Airlines flights with Citi Flex Pay, but it may cost you more then it's worth
▼ + stars: | 2022-12-13 | by ( Tessa Campbell | Personal Finance Reviews Fellow | Read More | ) www.businessinsider.com time to read: +27 min

Book your American Airlines flight with your Citi/AAdvantage credit card and select Citi Flex Pay to spread payments over time. Hinterhaus Productions/Getty ImagesCiti/AAdvantage cardholders can now use Flex Pay for large American Airlines purchases. Now, with your eligible Citi/AAdvantage credit card you can book any American Airlines flight (must be worth $75 or more), and pay down the large purchase in smaller, equal monthly payments. Earn American Airlines AAdvantage miles with no annual fee Check mark icon A check mark. How to pay for your flight with Citi Flex PayCiti/AAdvantage cardholders can choose the Flex Pay option at checkout either on aa.com or through the American Airlines app.

☆ Gender equity at work is stalling after 'mass exodus' of women during pandemic, new research finds
▼ + stars: | 2022-10-26 | by ( Sophie Kiderlin | ) www.cnbc.com time to read: +4 min

Gender equity progress in the workforce has slowed down over the pandemic, a KPMG report found. Progress slowsBefore the pandemic, many businesses were making strides toward gender equity, but their progress has significantly slowed down since, the report found. Among most of the surveyed companies, women made up just 17% of leadership positions and 25% of total employees as of 2022. Women still make up just 17% of leadership positions, according to the latest KPMG DEI Progress survey. "Only 12 percent have reported making significant changes in their companies' DEI profiles," it found.

☆ Why companies like UPS and Disney are allowing workers to show their tattoos
▼ + stars: | 2022-10-16 | by ( Ian Thomas | ) www.cnbc.com time to read: +9 min

Companies including Disney, UPS and Virgin Atlantic have relaxed their dress and style codes to allow employees to show their tattoos in the workplace. Shifting views on tattoos at workBartlett said after that policy was well received, UPS began looking at changes to its tattoo policy. Previously, the company barred employees from showing any visible tattoos — workers with tattoos had to cover them with long sleeves or pants, or skin-colored coverings. According to the Disney cast member handbook, visible tattoos that are no larger than an extended hand are permitted except for any on the face, head, or neck. That carried over into corporate culture, where hiring managers would stereotype applicants with visible tattoos, or where employers would worry that employing someone with tattoos would turn off customers.

☆ Open enrollment season for 2023 employee benefits is getting underway. What to watch for
▼ + stars: | 2022-09-22 | by ( Sarah O'Brien | ) www.cnbc.com time to read: +3 min

Hinterhaus Productions | Digitalvision | Getty ImagesIt's that time of year, when workers get to make some decisions about their employee benefits. Many companies are beginning to hold their annual open enrollment period, which is when employees can sign up for 2023 health insurance — as well as consider other benefits, if your employer offers them. Some may offer extras like supplemental life or disability insurance, pet insurance or help with education costs. "People tend to [review] their benefits very quickly," said Paul Fronstin, director of health benefits research at the Employee Benefit Research Institute. For 2023, the annual cap on HSA contributions is $3,850 for self-only coverage and $7,750 for family coverage.

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