DIRS.INFO The most relevant business & tech news

I recently bought a used car, and I ended up getting gap coverage and an extended warranty. Gap insurance is crucialGap insurance is a type of car insurance that covers the difference between what you owe on your car loan or lease and the car's actual cash value in the event that your vehicle is totaled or stolen. So, for me, paying $1,060 extra for gap coverage and also checking to make sure my auto insurance coverage is sufficient is well worth it. If you're looking for the best car insurance, look no further. MaxCare provides coverage for unexpected vehicle repairs after the manufacturer's warranty has expired, protecting you from high out-of-pocket repair costs.

Persons: —, MaxCare, I'm Organizations: Service, CarMax Locations: CarMax

We have also focused on using our favorite strategy to save on travel — using travel rewards credit card points to get some of it for free. While we mostly rely on airline miles to save money on travel, we also use flexible rewards points and hotel points for some aspects of our plans. My husband's birthday trip to MemphisI was able to book my husband a surprise weekend getaway for his 45th birthday this year using credit card rewards. Still, using rewards to take the sting out of what would otherwise be an expensive trip feels like a win when it makes sense. My whole travel plan also underscores something I have believed about the world of travel rewards for a long time.

Persons: Billy Strings, Rewards, Miles, Billy Organizations: Service, Delta Reserve American, Chase, Hyatt, Hyatt Centric, Hyatt Credit Locations: Memphis, Memphis , Tennessee, Delta, Caribbean, Indianapolis, Delta Comfort, FedExForum

The Federal Reserve is expected to start lowering rates this week, and mortgage rates are down as a result. But will mortgage rates drop further once the Fed cuts rates? 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. 5-Year Mortgage Rate TrendsHere's how 30-year and 15-year mortgage rates have trended over the last five years, according to Freddie Mac data. Mortgage rates are determined by a variety of different factors, including larger economic trends, Federal Reserve policy, your state's current mortgage rates, the type of loan you're getting, and your personal financial profile.

Persons: they've, Freddie Mac Organizations: Federal, Zillow, ARM, Federal Housing Administration, Department of Veterans Affairs Locations: Chevron

Routh became animated when writing about Trump, and he frequently weighed in on US and global current events on social media. He even commented on the first assassination attempt on Trump, when the former president was wounded by a gunshot during a rally in Pennsylvania in July. According to Cernea, Routh described Russian President Vladimir Putin’s invasion of Ukraine as a “black and white… good versus evil” conflict. Hawaiian business owner Saili Levi told CNN he had paid Routh $3,800 up front to build a trailer for his business. Levi said when he asked Routh to improve the work via email, Routh ranted at him.

Persons: CNN — Ryan Wesley Routh, Donald Trump, Routh, Trump, Ryan Wesley Routh, “, ”, ” Routh, Joe Biden, Kamala Harris, “ Trump, Ryan Routh, ’, Oleksandr Shaguri, Remus Cernea, it’s, ” Cernea, Cernea, Vladimir Putin’s, “ Putin, ” Oran, Saili Levi, Levi, Routh ranted, you’re, ” Levi Organizations: CNN, US Secret Service, LinkedIn, Honolulu Star, Democratic, Trump, Global Citizen, Independence, Ukraine, Foreigners, Department, Land Forces Command, Legion, Newsweek Romania, AFP, Russia Locations: Ukraine, Taiwan, North Korea, Kyiv, Hawaii, Honolulu, North Carolina, Afghanistan, Iran, Tehran, Moscow, Pennsylvania, Ukrainian, Mariupol, Kyiv’s, United States, Oran, Florida

☆ From Ukraine to Hawaii, associates of Trump assassination attempt suspect say his ‘delusion of grandeur’ and odd behavior left them questioning his mental state
▼ + stars: | 2024-09-16 | by ( Isabelle Chapman | Casey Tolan | Curt Devine | ) edition.cnn.com time to read: +16 min

In one tweet, Routh wrote that “I would like to invite you to Hawaii for vacation. Newsweek Romania journalist Remus Cernea, one of the people listed on the website, told CNN he met Routh in Kyiv’s Maidan Square in June 2022. Tracy Fulk, a Greensboro police officer at the time, told CNN that the incident started when she pulled Routh over for a traffic stop. Audrey McAvoy/APA Hawaiian man who gave Routh’s company a bad review on Facebook told CNN he was unsettled by Routh’s response to the criticism. “We must push forward with logical leadership that supports the ones that wish to accomplish great things,” Routh wrote in one post.

Persons: Donald Trump, Ryan Wesley Routh, Joe Biden, “, Ukraine ”, Volodymyr Zelensky, Routh, hadn’t, Biden, Zelensky, Ryan Routh's, Trump, Routh’s, –, ”, Tulsi Gabbard, Beto O’Rourke, Tom Steyer, Elizabeth Warren, Andrew Yang, Joe, hillary, ” Routh, Kim Jong Un, ” Zelensky, Routh’s fiancée, Kathleen Shaffer, Shaffer, Efrem, Semafor, Oleksandr Shaguri, ” Michael Wasiura, ” Wasiura, ” Evelyn Aschenbrenner, Aschenbrenner, ” Aschenbrenner, Ryan O’Leary, ” O’Leary, Remus Cernea, Cernea, it’s, ” Cernea, barricading, Tracy Fulk, Fulk, ” Fulk, didn’t, ” Ryan Routh's, Audrey McAvoy, Saili Levi, Levi, you’re, ” Levi, Ryan Routh ”, Nelli Black, Benjamin Brown, Scott Glover, Lex Harvey, Winter, Rob Kuznia, Kyung Lah, Daniel Medina, Gianluca Mezzofiore, Rob Picheta, Puy Kamp, Sabrina Shulman, Teele Rebane, Adam Renton, Jessie Yeung Organizations: CNN, Twitter, Trump, Martin County Sheriff’s, Martin County Sheriff's, Facebook, Service, Republican, X, Machine, Commission, Democratic, North, “ WE, New York Times, Ukraine’s Land Forces Command, Legion, country’s International, Army National Guard, Global Citizen, Taiwan, Taiwan Foreign Legion, Newsweek Romania, Greensboro, Sheriff’s Office, Guilford County North Carolina Sheriff’s, Honolulu Star, Star, Advertiser, Honolulu, roosters Locations: Ukraine, Hawaii, Afghanistan, Ukrainian, Honolulu, Oahu, Florida, Martin County, Russia, Zelensky, American, Kyiv’s, Kyiv, Taiwan, North Korea, China, Kyiv’s Maidan, North Carolina, Greensboro, Guilford, Guilford County North Carolina, Kaʻaʻawa, Oahu Island, Oran, Majlie

My mom is a little old-fashioned and has been upset with me for letting my boyfriend significantly influence my financial decisions. She has said multiple times that a man should have no say in my finances until he's put a ring on my finger. One, your mom has hard-won life experiences to offer, and you would be wise to hear her out. Only that we shouldn't reject our parents' advice out of hand simply because they're "old-fashioned" or we think they're "projecting". Instead, it's about nobody having a say over anyone else's finances until they have a genuine stake in them.

Persons: We're, he's, I've, they've, That's Organizations: Service

As the Fed lowers its benchmark rate, mortgage rates are likely to go down. Mortgage rates often trend up or down ahead of expected Fed moves, but once a hike or cut is priced in, they tend to hold steady unless the Fed surprises everyone. Haymore also notes that mortgage rates could fluctuate depending on other information that comes out of this upcoming meeting. As it does, mortgage rates should trend down, too (as will the rates banks pay on high-yield savings accounts). If you got your mortgage more recently, you could save on your mortgage payment by refinancing.

Persons: —, Freddie Mac, Scott Haymore, Haymore, you've, Matt Baker, Baker Organizations: Service, Business, Fed, TD Bank, Mortgage Bankers Association, Navy Federal Credit Union

See more mortgage rates on Zillow Real Estate on ZillowWhat Are Today's Mortgage Refinance Rates? Current 30-Year Mortgage RatesAverage 30-year mortgage rates remain low after dropping last week and are hovering around 5.70%, according to Zillow data. Last month, 30-year refinance rates averaged 6.59%, while 15-year refinance rates were around 5.90%. Now, 30-year refinance rates are nearly 70 basis points lower, and 15-year refinance rates are around 50 basis points lower. Mortgage rates are determined by a variety of different factors, including larger economic trends, Federal Reserve policy, your state's current mortgage rates, the type of loan you're getting, and your personal financial profile.

Persons: they've, Freddie Mac, it's, Fannie Mae Organizations: Zillow, Fed, Mortgage, Association, ARM, . Government Locations: Chevron, Government

Routh tagged Joe Biden and Vice President Kamala Harris, in separate posts, encouraging them to visit those injured at the rally. Trump will never do anything for them,” he wrote in a post directed at Harris. In an April post on X tagging President Biden’s presidential account, he wrote that Biden’s campaign should be: “called something like KADAF. “Work has never been about money rather building frameworks for people to thrive and succeed,” Routh wrote on his LinkedIn page. Levi said when he asked Routh to improve the work via email, Routh ranted at him.

Persons: Donald Trump, Ryan Wesley Routh, Routh, Joe Biden, Kamala Harris, Biden, Trump, ”, Biden’s, MASA …, ” Routh, Saili Levi, Levi, Routh ranted, “, you’re, ” Levi, barricading Organizations: CNN, Trump, Democratic, North Carolina State Board, Ukraine –, Box, Honolulu Star, Facebook, Russia, ” Records, Greensboro News, Sunday Locations: Florida, Hawaii, Pennsylvania, Harris, North Carolina, KRAKOW, UKRAINE, Ukraine, State, Oran

This story is available exclusively to Business Insider subscribers. So when your little sleuth asks, "Are we rich?" in particular, Lieber writes that the question can lead to discussions on possessions, wealth, and what it actually means to be "rich." One mom and sociology professor whose story is recounted in "The Opposite of Spoiled" took a straightforward approach when her third-grade son asked if his family was rich. She continued in a 2017 interview with Business Insider: "If they say, 'Are we rich?'

Persons: —, Ron Lieber's, Lieber, Beth Kobliner Organizations: Service, Business, New York Times, PTA

A national debt crisisAmericans are facing a credit card debt crisis, with millennials and Gen Z at the forefront of the struggle. If you're a consumer with average credit who tends to carry a credit card balance, McCarthy recommends seeking options for lower-interest repayment. If the Fed lowers interest rates as anticipated, you can expect personal loan interest rates to drop slightly, regardless of your credit score. "Many consumers struggling with high-interest debt have expressed confusion surrounding credit card APRs, and credit card companies are happy to keep it that way." "Many consumers believe that making the minimum payment is an effective way to manage their credit card debt," Elliot said.

Persons: —, Z, James McCarthy, McCarthy, Jeremy Schneider, Schneider, Sophia Bera Daigle, Daigle, you've, Mark Elliot, Elliot Organizations: Federal, Service, Federal Reserve, Consumer Financial Protection Bureau, National Foundation, Credit, JPMorgan Chase, Capital Locations: millennials, U.S

Lower interest rates may impact your investment portfolio following the Fed's first rate cut. "They get spooked by something like policy changes and sell out of a diversified investment portfolio. "Generally, lower interest rates boost the economy as lending gets cheaper for consumers and businesses, " says Eckles. However, as interest rates fall, the attractiveness of these cash investments declines. The inverse relationship between bond prices and interest rates means that as rates fall, bond prices rise, providing another return component.

Persons: Banks, Goldman Sachs, JP Morgan, Bakkum, Pam Krueger, annualized, Jaime Eckles, Plante Moran, doesn't, We've, Krueger, Cash Organizations: Federal Reserve

I'm exploring how we could save money on these purchases by opening up a new credit card, so I asked certified financial planner Bobbi Rebell whether it's a better idea for us to open a store credit card or a rewards credit card. "Sometimes store credit cards come with 0% interest for a given period of time." The Pottery Barn credit card also works at all seven brands under the store's umbrella, including West Elm and Williams Sonoma. Rewards credit cards come with more flexibility and ongoing perksDespite the perks that store credit cards offer, Rebell says that other credit cards come with more flexibility, especially with how you can use your rewards. That's useful, especially if we need more than 12 months to pay off our credit card bills once a store credit card's 0% APR wears off.

Persons: —, we've, we're, Bobbi Rebell, Rebell, We've Organizations: Service, Business, Elm Locations: Williams Sonoma

Mortgage rates probably won't drop much further if the Fed cuts rates, unless central bankers opt for a larger-than-expected cut. 30-Year Mortgage RatesAverage 30-year mortgage rates have been dropping this month and are now down near 5.70%, according to Zillow data. 5-Year Mortgage Rate TrendsHere's how 30-year and 15-year mortgage rates have trended over the last five years, according to Freddie Mac data. Mortgage rates are determined by a variety of different factors, including larger economic trends, Federal Reserve policy, your state's current mortgage rates, the type of loan you're getting, and your personal financial profile. This means your entire monthly mortgage payment, including taxes and insurance, shouldn't exceed 28% of your pre-tax monthly income.

Persons: you'll, they've, Freddie Mac, it's, Fannie Mae Organizations: Federal Reserve, Zillow, ARM, Federal Housing Administration, Department of Veterans Affairs, Fed, Mortgage, Association Locations: Chevron

☆ A man who retired at 36 built 3 passive-income streams to ditch his full-time job decades early
▼ + stars: | 2024-09-13 | by ( Business Insider | Stephanie Hallett | ) www.businessinsider.com time to read: +5 min

He took his earnings and invested them in ways that would continue to generate passive income. His main source of passive income is real-estate investmentsIn 2020, Quan earned $59,000 from investing in real estate, making up 78% of his passive income. "My general approach to ETFs is that I want a mix of growth and dividend ETFs so that I have a balanced approach within the portfolio. It's really about being balanced, because the markets grow in different ways," Quan said. In 2020, his online passive income streams generated about $10,000.

Persons: —, Michael Quan, Quan Organizations: Service, Business Locations: Nevada, Airbnb, Venice , California, San Antonio

See more mortgage rates on Zillow Real Estate on ZillowMortgage CalculatorUse our free mortgage calculator to see how today's mortgage rates would impact your monthly payments. 30-Year Mortgage Rates TodayAverage 30-year mortgage rates are around 5.70% today, according to Zillow data. 15-Year Mortgage Rates TodayAverage 15-year mortgage rates finally dipped below 5% this week, according to Zillow data. Average Refinance Mortgage Rates TodayRefinance rates have also been lower in September. 5-Year Mortgage Rate TrendsHere's how 30-year and 15-year mortgage rates have trended over the last five years, according to Freddie Mac data.

Persons: Jerome Powell's, you'll, they've, Freddie Mac, it's, They'll Organizations: Federal Reserve, Zillow, Fed Locations: Chevron

As a frequent traveler, I get a lot of value out of reaching elite status with Delta. Maximizing my points and miles with my travel credit card means I can travel more. You can earn $1 MQD per $1 spent on Delta flights, but you can earn more with a Delta credit card. Rewards Credit Cards The best rewards credit cards can be a great way to earn cash back or travel rewards on your everyday purchases. Popular cards include the Chase Sapphire Preferred card and the Bank of America Travel Rewards card.

Persons: —, we're, I've, Felipe Carrillo Organizations: Delta, Service, Diamond, Delta Medallion, American Express, Delta Sky Club, Delta Reserve, Chase, Bank of America, Felipe Carrillo Puerto Airport Locations: Tulum, New Zealand, Delta, New York, Hawaii, Yucatan

The Fed is expected to cut rates multiple times this year and in 2025, which means mortgage rates should continue decreasing. Will mortgage rates drop when the Fed cuts rates? If he or other Fed officials indicate that bigger rate cuts could be coming, mortgage rates may inch down. How Fed rate cuts affect mortgage ratesChanges to the federal funds rate don't directly impact mortgages, but mortgage rates tend to trend up when the Fed raises rates and go down when it lowers rates. The Fed could lower rates substantially by the time we reach the 2025 buying season, which means mortgage rates may be a lot lower, too.

Persons: Freddie Mac, Dan Burnett, Burnett, Jerome Powell, Powell, Fannie Mae, Scott Haymore Organizations: Fed, Federal Reserve, Housing Survey, TD Bank

First Tech Personal Loan AlternativesFirst Tech Personal Loan vs. Navy Federal Credit Union Personal LoanYou can get the smallest loan amount with Navy Federal Credit Union, as the credit union offers loans as small as $250. Navy Federal Credit Union Personal Loan ReviewFirst Tech Personal Loan vs. PenFed Credit Union Personal LoanYou can qualify to join First Tech simply by joining the Financial Fitness Association for $8, though you may also be eligible if you live or work in certain parts of Oregon. PenFed Credit Union Personal Loan ReviewFirst Tech Personal Loan Check rates Compare rates from participating lenders via Fiona. First Tech Credit Union Customer ExperienceIs First Tech Credit Union Trustworthy? First Tech Personal Loan FAQsWhat credit score do I need for a First Tech personal loan?

Persons: Fiona, Insider’s, You'll, PenFed, you've, Trustpilot, you'll Organizations: First Tech Federal Credit Union, Financial, Tech, First Tech, First Technology Federal Credit Union, Tech Federal Credit Union, Google, Apple Stores, Better, nab, Microsoft, Intel, State of, Computer History, Association, Social, . Navy Federal Credit, Navy Federal Credit Union, Navy Federal, Department of Defense, Navy Federal Credit, PenFed, you'll, First Tech Credit, Tech Credit Union, First Tech Credit Union doesn't, Better Business Bureau, First Tech Credit Union, Chevron, History Locations: Oregon, Lane County , Oregon, State of Oregon

The bottom line: You may like First Internet Bank of Indiana if you are comfortable with an online-only banking experience. Compare First Internet Bank of Indiana products First Internet Bank of Indiana Free Savings AccountFirst Internet Bank of Indiana Free Checking AccountFirst Internet Bank of Indiana CDFirst Internet Bank of Indiana Money Market Account Chevron icon It indicates an expandable section or menu, or sometimes previous / next navigation options. How First Internet Bank of Indiana worksFirst Internet Bank of Indiana is an online bank with no physical branches. First Internet Bank of Indiana trustworthiness and BBB ratingFirst Internet Bank of Indiana does not have any public controversies. How First Internet Bank of Indiana comparesWe've compared First Internet Bank of Indiana to two other online banks: Ally Bank and Discover® Bank (FDIC Insured) .

Persons: It's, We've, Ally, You'll Organizations: First, Bank of Indiana, Bank of Indiana Free Savings, Internet Bank of Indiana, Market, First Internet Bank of Indiana's, Bank of Indiana Free, Internet Bank of Indiana Free Savings, FDIC, Plus Alliance, Network, First Internet Bank of Indiana, Alliance, Apple, Google, Internet Bank, Indiana, Better, Bank of, Ally Bank, Discover ® Bank, Discover Locations: Chevron, Bank of Indiana

☆ 2 things millennials tend to spend way too much money on, according to financial planners
▼ + stars: | 2024-09-13 | by ( Business Insider | Stephanie Hallett | ) www.businessinsider.com time to read: +5 min

Financial planners say millennials have a few not-so-great spending habits. According to financial planners, there are two things millennials overspend on way too often. AdvertisementFinancial planners say it's OK to spend your money on these things, but it becomes a problem when it doesn't fit into your budget or you're not meeting your financial goals. "I think most people, not just millennials, don't really have a budget and don't know how much they spend. This will help you figure out your discretionary spending budget once you've covered your priorities.

Persons: —, they've, Clari Nolet, Hewins, millennials, Nolet, doesn't, Asad Gourani, you've, lattes, Gourani Organizations: Service, AG Wealth Management

I grew up working class and learned good work ethic from my parents. The novelty of cap erasers and Airheads from the school store wore off fast, and money didn't have much luster. In our part of Wisconsin, with its German roots and farm families, work ethic is our moral code. What 'good work ethic' means for your financesBecause it's in my DNA, I can't help but see a strong work ethic as a virtue. What I wish I'd learned about money earlierI'll always be grateful for the work ethic I learned from my parents ... and I wish I'd gotten the nuances of money a bit earlier in life.

Persons: —, didn't, I'd, you've, I'm, fritz, it's, I've Organizations: Service, Quicken Locations: Midwest, Wisconsin

While FICO has deprioritized medical debt in credit score calculations, VantageScore removed medical debt from its calculations. The CFPB announced rulemaking to address the reporting of medical bills on credit reports that would require the credit bureaus to stop reporting medical bills entirely. How medical bills can affect your creditIn the past, credit bureaus would report medical debt the same as any other overdue bills, and could cause your credit score to drop. Protecting your credit from medical billsWhile unpaid medical debt doesn't have the same impact on your credit score as an unpaid credit card bill, it can impact your credit nonetheless. Consider medical credit cards or loansInstead of a traditional credit card, consider a medical credit card or loan.

Persons: FICO, rulemaking, doesn't, —, Experian, VantageScore, Biden, Tiffany Cross, Rick Eicheldinger, You'll, Cross Organizations: Consumer Financial Protection Bureau, CFPB Locations: United States, U.S

Mortgage rates have dropped nearly 20 basis points this week, with 30-year rates now near 5.7%, according to Zillow data. See more mortgage rates on Zillow Real Estate on ZillowMortgage CalculatorUse our free mortgage calculator to see how today's interest rates will affect your monthly payments. Current 30-Year Mortgage RatesAverage 30-year mortgage rates have inched down this week and are now hovering near 5.7%, according to Zillow data. Mortgage rates are determined by a variety of different factors, including larger economic trends, Federal Reserve policy, your state's current mortgage rates, the type of loan you're getting, and your personal financial profile. Because markets are already anticipating that the Fed will lower rates, mortgage rates might not drop much in response to a Fed rate cut.

Persons: you'll, Freddie Mac, it's Organizations: Reserve, of Labor Statistics, Fed, Zillow Locations: Chevron

The Federal Reserve is expected to drop interest rates at its next meeting on September 17 and 18. When the Fed rates drop, interest rates for high-yield savings accounts and CDs will drop too. The Fed is the central banking system of the U.S., so if it drops its rates, the best CD rates and high-yield savings account rates drop too. No-penalty CDs let you lock in higher rates while still giving flexibilitySince the Fed is expected to cut rates soon, CDs offering 5% interest can help you earn high interest rates for longer than you could otherwise. Once interest rates are more stable, a high-yield savings account will likely offer rates that are on par with no-penalty CD rates without the need to track term lengths.

Persons: Chloe Moore, Financial Staples, you've, Moore, they're, I've Organizations: Federal, Financial Locations: U.S

Search resuls for: "Advertiser"

25 mentions found