DIRS.INFO The most relevant business & tech news

Typically if one bank account owner dies, the surviving owner gets sole control of the account. IntroductionOpening a joint bank account is different from opening up an individual bank account. Both owners have full access to a bank account, and joint bank account rules also dictate specific actions if one owner dies. Rights of survivorshipWhen you're opening up a new bank account, you'll receive a bank account agreement that lists the bank's conditions and rules. A joint bank account beneficiary can't set up direct deposits, make withdrawals, or view your bank account when you're alive.

Persons: you'll, Sophia Bera Daigle, —, Bera Daigle, Bera Daigle doesn't, there's Organizations: Gen, Insurance

Involuntary bank account closures often occur when a financial institution detects unusual activity in a bank account — or there's no activity at all. Immediate steps to takeBelow, are two immediate steps to take if handling an unexpected bank account closure. Be sure to redirect your paychecks to a different bank account and stop any recurring deposits or online bill payments connected to the closed account. Preventing future account closuresOnce a bank account is closed, it usually can't be reopened. Involuntary bank account closure FAQsWhy would a bank close my account?

Persons: Banks Organizations: Consumer Financial Protection Bureau, Bank

USAA Rate Advantage Credit Card OverviewIf you want a credit card that offers rewards for spending, you'll need to look elsewhere. USAA Rate Advantage Credit Card RewardsThe USAA Rate Advantage Credit Card doesn't offer any rewards, which is another one of its downsides. USAA Rate Advantage Credit Card BenefitsThe USAA Rate Advantage Credit Card is light on benefits, but there are a few perks to be aware of. USAA Rate Advantage Credit Card Fees and CostsThe USAA Rate Advantage Credit Card doesn't charge an annual fee, nor does it charge any foreign transaction fees. USAA Rate Advantage Credit Card TipsIs the USAA Rate Advantage Credit Card a good balance transfer card?

Persons: Insider’s, USAA, Wells Organizations: Business, USAA, Wells, Security Locations: USAA, Wells

However, if you don't have a bank account or aren't near your bank due to travel, your situation becomes a bit trickier. Regions Bank: Regions Bank has a check-cashing service that doesn't require an account with the bank. If you're cashing a payroll or government check, you'll pay 1.5% of the check amount. What's the cheapest way to cash a check without a bank account? The cheapest way to cash a check without a bank account depends on the deposit amount and where you go.

Persons: Insider's, Banks, Kroger, Chase, Wells, you'll Organizations: Walmart, Bank of America : Bank of America, Bank of America, Citibank, Truist, PNC Bank, Citizens Bank, Regions Bank Locations: Wells Fargo, Wells, New Jersey, Chevron

Closing a bank account won't negatively impact you in the same way that closing a credit card may affect your credit score. Create a plan for the money left in your accountYour goal should be to leave your bank account with a $0 account balance to make the closing process more efficient. Bank account closure FAQsCan I close my bank account online? If you have a joint bank account, documentation is needed to close a bank account. Closing a bank account will not have a negative effect on your credit score if the account is in good standing — meaning any overdrafts and common bank fees are paid.

Persons: you've, Banks, it'd, You'll Organizations: TD Bank, Axos Bank Locations: Chevron

You also may need a few extra documents if you're opening a teen checking account or student bank account. Basic requirements for opening a bank accountHaving the following documents ready can help you prepare for bank account opening. Information for both people if you're opening a joint accountIf you're opening a joint bank account, you'll need all the necessary documentation for both people. Opening an account online vs. in-personOpening an account online is pretty similar to doing it in person — you just don't have to make the trip. Bank account opening FAQsCan I open a bank account without a Social Security number?

Persons: you've, I'm Organizations: Department of Motor Vehicles, Social, Social Security, ., Bank Locations: U.S, Chevron

CD rates on terms of 12 months or less are currently higher than most longer-term CD rates. Opening a certificate of deposit (CD) can be a solid way to lock in predictable growth on your savings. This list specifically includes terms of 12 months or less because short-term CD rates are currently higher than long-term CD rates. 5% interest CD FAQsCan I easily find CDs offering 5% interest? Do all 5% interest CDs have high minimum deposits?

Organizations: Federal Deposit Insurance Corporation, Federal Reserve, Federal Locations: U.S, Chevron

It's not often an airline credit card makes waves with a strong welcome bonus and completely unique benefits, but the Aeroplan® Credit Card has managed to do just that. Aeroplan Credit Card OverviewThe Aeroplan® Credit Card has a welcome bonus offer of 70,000 points after you spend $3,000 on purchases in the first three months from account opening. Aeroplan Credit Card RewardsAeroplan Card welcome bonus offerThe Aeroplan® Credit Card is offering 70,000 points after you spend $3,000 on purchases in the first three months from account opening. Aeroplan Credit Card Annual Fee and Other CostsThe Aeroplan® Credit Card charges a $95 annual fee, but you won't pay foreign transaction fees, which makes it a good card to use when you're traveling internationally. Methodology: How we reviewed the Aeroplan cardBusiness Insider's credit cards team reviewed the Aeroplan® Credit Card in comparison to other top airline credit cards available right now.

Persons: It's, Chase, —, cardholders, Cardholders, there's, you've, Aeroplan Organizations: Business Insider, Citi, Mastercard, Air Canada, Air, Star Alliance, Chase, FDIC, TSA, Citi ®, Canada, American Express, Business, Cardholders, Target, Walmart, Air Canada Aeroplan, United, ANA, Etihad, Gulf Air, US, Cruises, Discount, Air Canada Express, Air Canada Rouge, Chase TravelSM, TD Bank, CIBC Locations: Air Canada, cardholder, rideshares, GOL, North America, Mexico, Central America, Caribbean, Europe, Coast, Hawaii, Asia, Canada, Amex

USAA Preferred Cash Rewards Credit Card OverviewThe USAA Preferred Cash Rewards Credit Card is a standard cash-back credit card with no annual fee that offers an unlimited flat rate of 1.5% cash back for each dollar spent. USAA Preferred Cash Rewards Credit Card BenefitsThe USAA Preferred Cash Rewards Credit Card doesn't have a ton of perks, but it does have some. Some fees you should know about include:Balance transfer feeCash advance feeLate payment feeReturned payment feeCompare the USAA Preferred Cash Rewards CardUSAA Eagle Navigator™ Credit Card vs. USAA Preferred Cash Rewards Credit CardThe USAA Eagle Navigator™ Credit Card is USAA's first card with an annual fee (USAA Eagle Navigator™ Credit Card, focused specifically on travel rewards. USAA Preferred Cash Rewards Card Frequently Asked QuestionsIs the USAA Preferred Cash Rewards Credit Card a good card? Why You Should Trust Us: How We Reviewed the USAA Preferred Cash Rewards CardWhen reviewing the USAA Preferred Cash Rewards Credit Card, we followed our credit card rating methodology.

Persons: USAA, Cash, you'll, Cardholders, it's, You'll, Read Organizations: American Express, USAA, Auto, Wells, Chase, Security, Eagle Navigator, Chase Travel ℠ Locations: J.D, USAA

Compare the Top Bank Accounts for College StudentsWe researched over a dozen banks to find the best checking accounts and savings accounts for college students. Determine if you want a bank account specifically for college students or a standard bank account. The bank account agreement shares details about the bank account, like the opening requirements, minimum balance requirements, and interest rate. Best Bank Accounts for College Students FAQsWhat makes a bank account student-friendly? We researched more than a dozen bank accounts at brick-and-mortar banks, online banks, credit unions, and online banking platforms to find the strongest bank accounts ideal for college students.

Persons: Alliant, Foster, You'll, Ally, Chase, Doesn't, JP Morgan Chase, Jeffrey Epstein's, Banks, Tania Brown, Sophia Acevedo, Roger Ma, James Organizations: Banking, College Students Student, College, Credit Union, Alliant Credit, Credit, Ally Bank, Ally, Capital, Savings, Easy Branch, Chase, Chase Mobile, U.S, Zero, JPMorgan Chase Bank, N.A, FDIC, Chase Bank, SoFi Bank, Green, Better, BBB, U.S . Virgin, SEC, Futures, Mobile, Bank, College Students, Business Locations: Chicago , Illinois, NY, LA, TX, VA, NJ, Washington, Connecticut , Delaware , Louisiana , Maryland , New Jersey , New York , Texas, Virginia, DC, U.S, N.A, J.D

Mortgage rates are up slightly today but they remain below their early-July highs. Mortgage rates are expected to trend down throughout the remainder of 2024 as long as inflation continues to slow. As mortgage rates drop, borrowers with rates in the 7% or 8% range should be able to save money by refinancing. See more mortgage rates on Zillow Real Estate on ZillowMortgage CalculatorUse our free mortgage calculator to see how today's mortgage rates will affect your monthly and long-term payments. As inflation slows and the Federal Reserve is able to start cutting the federal funds rate, mortgage rates are expected to trend down as well.

Persons: Fannie Mae Organizations: Zillow, Federal Reserve, Mortgage, Association, ARM Locations: Chevron

While most checks clear within two business days or less, banks can place longer holds on checks for a variety of reasons. Banks place holds on checks to make sure that the check payer has the bank funds necessary to clear it. Eligible checks include cashier's checks, certified checks, teller's checks, and government checks. FAQsWhy do banks place holds on checks? Banks place holds on checks for a number of reasons, and it doesn't mean the deposit won't ever go through.

Persons: Banks, what's, they've Organizations: Federal Reserve, US Postal Service, Chevron

Stay on top of your cards and consider using budgeting apps to help avoid debit card denial. On the bright side, the reason for a denied debit card purchase may have a simple solution. Here are the most common reasons your debit card may be declined and tips on fixing your debit card dilemmas. Your new debit card isn't activatedIf you've just started using a new debit card because your old one expired, it may not be activated yet. How to resolve and prevent debit card denialMonitor your account balanceIf the issue is insufficient funds in the account tied to your debit card, transfer money to the correct bank account to keep you from overdrawing.

Persons: Brian Walsh, You've, you've, you'll, Walsh Organizations: Walsh

Business checkingFirst Citizens Bank Business Checking Account Start banking On First Citizens Bank's site. You can get more competitive rates if you have a Premier Business Checking account or Professional Business Checking account and can deposit a minimum of $5,000. How First Citizens Bank worksFirst Citizens Bank has both personal banking and business banking. How First Citizens Bank compares to similar institutionsWe compared First Citizens Bank business banking with two other institutions: Citizens Bank and IberiaBank. First Citizens Bank Citizens Bank Iberia Bank Business accounts Checking, savings, CDs, money market accounts Business accounts Checking, savings, CDs, money market accounts Business accounts Checking, savings, CDs, money market accounts Max.

Persons: It's, hasn't, Max Organizations: First Citizens, Citizens Bank, SC, Bank Business, Citizens Bank Business, FDIC, First Citizens Bank Business, Bank, First, Arizona California Colorado Florida Georgia Hawaii Kansas Maryland, Arizona California Colorado Florida Georgia Hawaii Kansas Maryland Missouri Nebraska New Mexico North Carolina Oklahoma, Arizona California Colorado Florida Georgia Hawaii Kansas Maryland Missouri Nebraska New Mexico North Carolina Oklahoma South Carolina Tennessee Texas Virginia Washington, Apple, Google, First Citizens Bank, Better, IberiaBank, Bank Iberia Bank, Citizens Locations: CA, NM, NC, TN, TX, VA, WA, WI, WV, Arizona California Colorado Florida Georgia Hawaii Kansas, Arizona California Colorado Florida Georgia Hawaii Kansas Maryland Missouri Nebraska New Mexico North Carolina, Arizona California Colorado Florida Georgia Hawaii Kansas Maryland Missouri Nebraska New Mexico North Carolina Oklahoma South Carolina Tennessee Texas Virginia, Arizona California Colorado Florida Georgia Hawaii Kansas Maryland Missouri Nebraska New Mexico North Carolina Oklahoma South Carolina Tennessee Texas Virginia Washington West Virginia Wisconsin

☆ Art Student Pulls Off a (Very Brief) Coin Heist at the British Museum
▼ + stars: | 2024-07-23 | by ( Sarah Hurtes | ) www.nytimes.com time to read: +1 min

A Brazilian artist strolled into the British Museum last month and approached a table where visitors are allowed to interact with historic objects. After handling a 17th-century British coin for a moment, he seemingly returned it and moved on, like thousands of other visitors. Only last week did the museum discover — through the artist’s Instagram page — that he had replaced a genuine coin with his own replica and discarded the real artifact in the museum’s donation box on his way out. The act was the culmination of a more-than-yearlong project by Ilê Sartuzi, an art student at Goldsmiths, University of London. “The gesture of stealing as a central part of the project brings back the heated discussion about the role of looting in the museum’s foundation,” Mr. Sartuzi said.

Persons: strolled, Ilê Sartuzi, ” Mr, Sartuzi Organizations: British Museum, Goldsmiths , University of London

$0How Navy Federal Credit Union bank accounts compare Navy Federal Credit Union Share Savings AccountNavy Federal Free Active Duty Checking™ AccountNavy Federal Credit Union Standard CertificateNavy Federal Credit Union Money Market Account Chevron icon It indicates an expandable section or menu, or sometimes previous / next navigation options. 0.00% to 1.50% Start saving Navy Federal Credit Union, NCUA Insured Start banking NFCU, Member NCUA Start saving NFCU, NCUA Insured Start banking Navy Federal Credit Union, NCUA insured. About Navy Federal Credit UnionNavy Federal Credit Union has 354 branches around the world, including ones on some military bases. How to Join Navy Federal Credit UnionNavy Federal is a credit union for people associated with the military. How Navy Federal Credit Union ComparesNavy Federal Credit Union vs. Pentagon Federal Credit UnionNavy Federal has several types of checking accounts, so you may find one that's a good fit.

Persons: you'll, You'll, USAA Organizations: Navy Federal Credit Union, Military, Target, Walmart, Federal Credit Union, Savings, Navy, Free, Credit, Credit Union, Market, Federal Credit, Navy Federal, Department of Defense, Federal Free, Navy Federal Credit, . Navy Federal Credit, Federal, Navy Federal Credit Union Navy Federal Credit Union, Apple, Google, Navy Federal Credit Union Navy Federal, Air Force, Army, Coast Guard, Marine Corps, National Guard, ROTC, Better Business, BBB, CNN, . Pentagon Federal Credit Union Navy Federal, Pentagon Federal Credit Union, PenFed, USAA Bank Navy Federal, USAA Locations: Chevron, annuitants

☆ BTIG says S&P 500 will be stuck in a range, but thinks these stocks can outperform
▼ + stars: | 2024-07-23 | by ( Sarah Min | ) www.cnbc.com time to read: +2 min

The S & P 500 may be due for a pullback, but some individual names could be relative outperformers, according to BTIG. Last week, the S & P 500 dropped nearly 2% in its worst week since April as investors rotated out of megacap tech leaders and into smaller names. Jonathan Krinsky, chief market technician at BTIG, said in a Monday note that those choppy moves could continue from here. If we look at the calendar right now, that makes the most sense to us with a huge week on the macro and micro front next week," Krinsky wrote. "We think a consolidation this week in the 5450-5600 range is likely before the next meaningful move occurs," he said.

Persons: Jonathan Krinsky, Krinsky, Blackstone, AppFolio Organizations: Apollo Global Management, Blackstone, Garmin, Health, Globus Locations: BTIG

You can keep money in a bank account during a recession and it will be safe through FDIC and NCUA deposit insurance. Up to $250,000 is secure in individual bank accounts and $500,000 is safe in joint bank accounts. If you're concerned about whether money is safe in a bank during a recession, there's good news — your money will be likely secure in a bank account. Savings accounts, checking accounts, money market accounts, and CDs are examples of federally insured bank accounts. Up to $250,000 is secure in individual bank accounts, and $250,000 is protected per owner in joint bank accounts.

Persons: they're, Jeffrey Miron, Miron, Charles Calomiris, Maggie Gomez, Maggie, Gomez, You'll, Banks Organizations: FDIC, Pew Research, Federal Deposit Insurance Corporation, Harvard University, Columbia Business School, National Credit Union Administration, Bank, doesn't Locations: U.S, United States, Chevron

☆ Couple found dead in lifeboat after failed Atlantic crossing
▼ + stars: | 2024-07-22 | by ( Jack Guy | ) edition.cnn.com time to read: +2 min

CNN —A British-Canadian couple who were attempting to sail across the Atlantic have been found dead on an island off the east coast of Canada. The couple left Halifax Harbour, Nova Scotia on June 11 en route to the Azores, a group of Portuguese islands in the mid-Atlantic, around 2,000 miles away. It is not clear why the couple abandoned the Theros and got into a lifeboat. They stayed in touch after Clibbery moved back to Canada and Packwood visited him in Salt Spring Island near Vancouver, where the Theros was docked, in spring 2016. “He took me on my first ever yacht trip and I loved it,” Packwood told The Guardian.

Persons: CNN —, Brett Clibbery, Sarah Packwood, Clibbery’s, James, Packwood, “, ”, ” Clibbery, Clibbery, ” Packwood, “ Brett Organizations: CNN, SV Theros, Royal Canadian Mounted Police, RCMP, Halifax Harbour, Maritime Museum, Facebook, YouTube, Guardian Locations: Canada, , Nova Scotia, Halifax, Halifax Harbour , Nova Scotia, Azores, London, Britain, Salt, Vancouver

☆ VP Kamala Harris would be wise to come out with a couple of differentiating issues: Sarah Bianchi
▼ + stars: | 2024-07-22 | by ( ) www.cnbc.com time to read: 1 min

Share Share Article via Facebook Share Article via Twitter Share Article via LinkedIn Share Article via EmailVP Kamala Harris would be wise to come out with a couple of differentiating issues: Sarah BianchiSarah Bianchi, Evercore ISI chief strategist of international political affairs and public policy, joins 'Squawk Box' to discuss the state of the 2024 race, key policy and economic issues on the campaign trail, and more.

Persons: Kamala Harris, Sarah Bianchi Sarah Bianchi, Evercore

Some of the most important factors to consider when buying a house are price, size, and location. Location and neighborhoodLocation is something you're stuck with until you move, so be sure you're choosing a city, school district, and neighborhood that suits your needs. If homes are flying off the shelves, you'll need to be prepared to make fast offers that get noticed right off the bat. If the appraisal comes in lower than what you offer, you'll have to make up the difference or renegotiate with the seller. Evaluating a house's resale potential is critical, as you want to be sure you're making a smart investment of your money.

Persons: Glen Pizzolorusso, Hope, that's, they're, it's, you've, they'll, you'll Organizations: Glen Christopher Luxury, Facebook, Energy Locations: Connecticut, Chevron

☆ Stocks making the biggest moves premarket: CrowdStrike, Bank of America, Nvidia, Verizon and more
▼ + stars: | 2024-07-22 | by ( Sarah Min | ) www.cnbc.com time to read: +2 min

Bank of America — The bank stock dipped more than 1% in premarket trading after a filing revealed that Warren Buffett 's Berkshire Hathaway sold 33.9 million Bank of America shares for almost $1.5 billion last week. Berkshire remains Bank of America's largest shareholder with a 10.8% stake after the sale. Berkshire may be taking some profits with the bank stock up 27.4% so far this year. Verizon — The telecommunications stock slid 3% after Verizon posted quarterly revenue that disappointed estimates. Apple — Shares gained 1% after Wells Fargo raised its price target on Apple to $275 from $225, implying more than 20% upside, ahead of the company's earnings results.

Persons: Guggenheim, Blackwell, Warren Buffett, Berkshire Hathaway, Fitch, Wells Fargo, —, Alex Harring, Yun Li Organizations: Nvidia —, Reuters, Nvidia, Bank of America, Berkshire, of America, Bank, America's, Verizon, Abercrombie, JPMorgan, Truist, Apple —, Apple, Apple Intelligence Locations: CrowdStrike, Berkshire

Follow the moneyThe shock waves from President Biden ending his re-election bid, after weeks of pressure to step aside, are still reverberating around the world. Many Democratic officials and financial backers have followed his lead and endorsed Vice President Kamala Harris as his successor in the race. But the conspicuous silence of some senior party leaders and warnings from prominent donors suggest that the party’s ticket isn’t a done deal. The latest: Biden’s withdrawal opened a flood of Democratic donations, with more than $50 million pouring in on Sunday, in what one strategist said might be “the greatest fund-raising moment in Democratic Party history.”Wall Street and Hollywood donors came back in force, while stalwart Biden backers, including the tech billionaire Reid Hoffman and the hedge fund scion Alex Soros, pledged their support to Harris.

Persons: Biden, Kamala Harris, Reid Hoffman, Alex Soros, Harris Organizations: Democratic, Democratic Party

Social Security income is viewed the same as any other type of income, with one exception that can work in recipients' favor. Age and Social Security incomeYour age and how much Social Security income that allows you to take in will make a difference, too. To get this information to share with your lender, you can request a Social Security Benefit Verification letter from the Social Security Administration's website. Getting a mortgage on Social Security FAQsWhat types of home loans are available for seniors on social security? Lenders consider Social Security income as part of your total income, which can help qualify for various home loan options.

Persons: you'll, Shashank Shekhar, Shekhar Organizations: Social Security, Social, Department of Housing, Urban Development, Department of Veterans Affairs, DTI, Security, Chevron Locations: Chevron

Mortgage rates have steadily been decreasing for several months now. Mortgage rates are determined by a variety of factors, including economic trends, Fed policy, investor demand, and more. See more mortgage rates on Zillow Real Estate on ZillowToday's refinance ratesMortgage type Average rate today This information has been provided by Zillow. This is a significant slowdown compared when it peaked at 9.1% in 2022, which means mortgage rates should start trending down soon. This means your entire monthly mortgage payment, including taxes and insurance, shouldn't exceed 28% of your pre-tax monthly income.

Persons: they've, Freddie Mac, you'll, Fannie Mae Organizations: Federal Reserve, Zillow, Mortgage, Association, Sky Locations: Chevron

Search resuls for: "Sarah"

25 mentions found