DIRS.INFO The most relevant business & tech news

Southwest Rapid Rewards® Plus Credit CardThe Southwest Rapid Rewards® Plus Credit Card is a great choice if you're just starting out. Transfer points from Diners Club or hotel loyalty programsDiners Club members can also transfer Club Rewards points to Southwest — 1,500 Club Rewards points, for instance, would convert to 1,200 Southwest points. It's also possible to redeem points earned through participating hotel loyalty programs if you'd rather put them toward flights than hotel stays, though redemption rates are pretty low:5,000 Best Western Rewards points = 1,200 Southwest points6,000 Choice Privileges points = 1,800 Southwest points2,000 Radisson Rewards America points = 200 Southwest points50,000 Radisson Rewards America points = 5,000 Southwest points100,000 Radisson Rewards America points = 10,000 Southwest points9,000 Marriott Bonvoy points = 3,000 Southwest points30,000 Marriott Bonvoy points = 10,000 Southwest points60,000 Marriott Bonvoy points = 20,000 Southwest points90,000 Marriott Bonvoy points = 30,000 Southwest points120,000 Marriott Bonvoy points = 40,000 Southwest points5,000 World of Hyatt points = 2,400 Southwest points50,000 World of Hyatt points = 24,000 Southwest pointsNote that World of Hyatt throws in an additional 6,000 Southwest points as long as you're a member, while Marriott Bonvoy adds 5,000 Southwest points for every 60,000 Marriott points transferred. Earn Southwest points by taking online surveysYou can earn points by taking online surveys through E-Rewards — $15 worth of E-Rewards yields 300 Southwest points, $25 worth of E-Rewards yields 600 Southwest points, $50 worth of E-Rewards yields 1,200 Southwest points, and $100 worth of E-Rewards yields 2,400 Southwest points. Southwest Rapid Rewards Points Frequently Asked QuestionsHow much is 50,000 Southwest points worth?

Persons: It's, you'll, You'll, Cardholders, Chase, Marriott, There's, you've, Hertz, —, Ronald McDonald Organizations: Business, Rewards, Southwest Airlines, Southwest Rapid, Rapid, Southwest, Business Credit, eBay, Rapid Rewards, Southwest ®, FDIC, Southwest Airlines ®, Card, Business Credit Card, Southwest Premier, Performance, Chase Sapphire Reserve, Club, Southwest —, Radisson, Marriott, Hyatt, Southwest Hotels, Best, Hotels & Resorts, Choice, Marriott Bonvoy, MGM Resorts International, MGM Resorts, Hertz, Apple, Old Navy, Dartington Crystal, Emergency, Reliant, Central America, Francisco, Chicago, Fort Lauderdale, Student Conservation Association, Ronald McDonald House Charities, Polaris, United Negro College Fund, Hispanic Heritage Foundation Locations: United States, U.S, Mexico, Belize, Costa Rica, Aruba, Cuba, Puerto Rico, Jamaica, Cayman Islands, Turks, Caicos, Dominican Republic, Southwest, rideshare, Southwest airfare, Rocketmiles, Alamo, Avis, Pennsylvania , New Jersey , Maryland , Massachusetts, Illinois, Texas, Caribbean, Central, New York, Los Angeles, Honolulu , Hawaii, Baltimore, Cabos, Denver, Liberia, Nassau, Bahamas

Ways to earn Choice Privileges pointsThe Choice Privileges program may seem straightforward, but many little rules define what counts as a qualifying points-earning stay. Earn points from Choice hotel staysThe most straightforward way to earn Choice Privileges Rewards is by staying in Choice hotels on paid bookings. Buy Choice Privileges points for yourself or someone elseYou can buy up to 250,000 Choice Privileges points for yourself — or up to 180,000 Choice Privileges points for friends and family members — per calendar year. Transfer Choice Privileges points to travel partnersTo redeem Choice Privileges points for flights, use the Choice Hotels Rewards Exchange to transfer them to airline partners at the following rates:5,000 Choice points for 1,000 Alaska Airlines Mileage Plan miles5,000 Choice points for 1,000 Aeromexico Club Premier miles5,000 Choice points for 1,000 Aeroplan points5,000 Choice points for 1,000 United MileagePlus miles5,000 Choice points for 1,000 Spirit Airlines Free Spirit miles5,000 Choice points for 1,000 Czech Airlines OK Plus miles20,000 Choice points for 8,000 Qantas Frequent Flyer points20,000 Choice points for 8,000 Virgin Australia Velocity points20,000 Choice points for 140 Air New Zealand Airpoints DollarsNote that you may need to call Customer Service at 888-770-6800 and provide them with your frequent flyer number to complete your airline redemption. Choice Privileges Rewards frequently asked questionsHow can I earn points with Choice Privileges Rewards?

Persons: You'll, —, Read, It's, We'll, you'll, there's, Homefront, they'll Organizations: Business, Card, Citi Strata Premier, Choice, Read, Choice Hotels, Penn National Gaming, Inc, Resorts, Amtrak, Barclays, Amex, Citi, Capital, American, Premier, Express, Hotels, Diamond, Avis, Cambria Hotels, Alaska Airlines, Aeromexico Club Premier, Czech Airlines, Spirit Airlines, Air, Zealand, Qantas Frequent Flyer, Australia, Alamo, Budget, Bed, Apple, Vinesse, Rocket, Aeromexico Club, Airlines, Virgin Australia, Clubs of America, Fisher House Foundation, Council, International, Polaris, Cosmopolitan, AARP Locations: Cambria, Econo Lodge, U.S, Canada, Mexico, Central America, Caribbean, Asia, Pacific, China, Japan, Europe, Clarion Clarion Pointe, Cambria Hotels, Czech

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

Today, there are 55 Hispanic American banks and credit unions that are FDIC or NCUA insured around the United States. Nave BankBranches: 0 (online-only)ATMs: 0Services: savings accounts, business banking, business loansNave Bank is currently only available for businesses, and has a waitlist to join. We selected Hispanic American-owned credit unions from the National Credit Union Administration's list of minority depository institutions which was also updated in September 2023. You can open up savings accounts, checking accounts, CDs, and money market accounts in most of the institutions listed. Results from the study found that Hispanic Americans made up a greater percentage of those who took out home loans or small business loans at Hispanic American banks in comparison to non-minority banks.

☆ Democrats vs. Republicans: Who's better for the economy?
▼ + 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 EmailDemocrats vs. Republicans: Who's better for the economy? Stephen Moore, Heritage Foundation senior visiting fellow and economic advisor to former President Trump, and Ernie Tedeschi, The Budget Lab at Yale Law School director of economics and former White House CEA chief economist under President Biden, join 'Squawk Box' to discuss whether Democratic or Republican policies would be best for the American economy over the next four years.

Persons: Who's, Stephen Moore, Trump, Ernie Tedeschi, Biden Organizations: Heritage Foundation, Yale Law School, White House CEA, Democratic

☆ Paul Watson: Anti-whaling activist arrested in Greenland faces extradition to Japan, CPWF says
▼ + stars: | 2024-07-22 | by ( Helen Regan | ) edition.cnn.com time to read: +6 min

CNN —Veteran environmentalist Paul Watson was arrested in Greenland on Sunday and faces possible extradition to Japan allegedly over anti-whaling activities in the Antarctic years ago, his organization said in a statement. The ship John Paul DeJoria and a 25-member crew were en route from Dublin, Ireland to the North Pacific to intercept Japan’s newly launched $48 million factory whaling ship the Kangei Maru, CPWF said. In a statement, Greenland police said they arrested Watson upon his arrival in Nuuk due to a Japanese arrest warrant. His foundation believes the arrest “is connected to a previous Red Notice issued for Watson’s anti-whaling activities in the Antarctic.”“This development comes as a surprise since the Foundation’s lawyers had reported that the Red Notice had been withdrawn. “Japan has never given up on its whaling ambitions,” Watson told CNN at the time.

Persons: Paul Watson, Captain Paul Watson, John Paul DeJoria, CPWF, “, cuffing Paul Watson, Locky MacLean, Watson, Captain Watson, Kaisha, Shepherd, Kyodo Senpaku, ”, ” Watson, Takaaki Sakamoto, Hideki Tokoro, ” Tokoro Organizations: CNN —, Captain Paul Watson Foundation, Greenland police, ” Ship, Police, Japan Coast Guard, CNN, Interpol, Greenpeace, Shepherd Conservation Society, Japan’s Institute of Cetacean Research, Kyodo, Whaling Affairs, Japan’s Fisheries Agency, Kangei, Commission, IWC Locations: Greenland, Japan, Nuuk, Dublin, Ireland, Pacific, Shepherd, Germany, Costa Rica, Guatemala, United States, Australia, Norway, Iceland, Kangei

☆ Here's where Kamala Harris could stand on tax policy, experts say
▼ + stars: | 2024-07-22 | by ( Kate Dore | Cfp | ) www.cnbc.com time to read: +1 min

U.S. Vice President Kamala Harris speaks during a campaign event at Westover High School in Fayetteville, North Carolina, on July 18, 2024. With President Joe Biden officially out of the election, experts are watching for tax policy from Vice President Kamala Harris, the frontrunner for the Democratic nomination. While Harris has yet to outline her economic agenda, voters could see similar themes to Biden's proposals, which have called for higher taxes on the wealthy and corporations, experts say. The Harris campaign did not immediately respond to CNBC's request for comment. Here's what to watch from Harris when it comes to tax issues, according to policy experts.

Persons: Kamala Harris, Joe Biden, Harris, Biden, Garrett Watson Organizations: Westover High School, Democratic, Finance, Trump, Tax Foundation, Biden Locations: Fayetteville , North Carolina

☆ A Critical Gap in Democracy? ‘Yawn,’ Say Canadian Politicians.
▼ + stars: | 2024-07-21 | by ( Norimitsu Onishi | ) www.nytimes.com time to read: 1 min

It is the “Wild West” of Canada’s political system, a “critical gap” in its democracy. But Canadian political leaders — and some foreign nations — are big fans. Canadian elections have long rested on what many experts say is an undemocratic foundation: opaque nomination races in which political parties select their candidates for general contests in a process mystifying to most Canadians. “After Tammany Hall, the U.S. went through a series of reforms that resulted in the modern primary system,” said Michael Chong, a high-ranking lawmaker from the Conservative Party. “But our system is largely based on a 19th-century system.”

Persons: —, “, ”, Michael Chong Organizations: Party, Tammany Hall, Conservative Party Locations: U.S

☆ My partner grew up rich, and I didn't. We almost broke up over my insecurities, but compassion and honesty have gotten us through.
▼ + stars: | 2024-07-21 | by ( Tess Martinelli | ) www.businessinsider.com time to read: +7 min

download the appSign up to get the inside scoop on today’s biggest stories in markets, tech, and business — delivered daily. Read previewThis as-told-to essay is based on a conversation with Geneviève Laforce, a 24-year-old content creator from Montreal, whose partner grew up wealthy. We've learned that managing a relationship with someone who grew up so differently requires constant compassion and open communication. I've been able to broaden her worldview and provoke a deeper sense of compassion for those who are struggling. If money complicates your relationship and you want to tell your story, please email Tess Martinelli at tmartinelli@businessinsider.com.

Persons: —, Geneviève Laforce, It's, We've, isn't, I've, she's, They've, Tess Martinelli Organizations: Service, Business Locations: Montreal, tmartinelli@businessinsider.com

☆ I posted about my divorce on Facebook. I quickly learned how important divorce announcements can be.
▼ + stars: | 2024-07-21 | by ( Olivia Dreizen Howell | ) www.businessinsider.com time to read: +5 min

Like most businesses during this time, divorce proceedings slowed down. Inspired, I announced my divorce on Facebook on New Year's Eve in 2020. I saw my divorce as a beautiful awakening, a decision to choose happiness and peace for me and my children. AdvertisementFor so long, divorce has been talked about in secrets and hushes, and we are told to keep everything close to the chest. It's time we talk about our divorce, set the tone, write the story, and own our path forward.

Persons: —, he'd, Olivia Dreizen Howell, It's Organizations: Service, Business, Facebook

☆ This ‘once in a generation’ £1.5 million Scottish cottage is up for sale. But there’s one key quirk
▼ + stars: | 2024-07-21 | by ( Jack Bantock | ) edition.cnn.com time to read: +3 min

For the golf fanatics of the world, it could soon all be yours – so long as you have a spare £1.5 million ($1.93 million) to part with. “The sale of Blackrock House is one of those rare times where you can safely say there isn’t anything else like this available in the world,” Strutt and Parker selling agent Annabel Blackett told CNN via email. Spectators walk past Blackrock House and its "for sale" sign. It would be another 45 years before the course hosted its first Open Championship, with this week marking its 10th time staging the major. “This will be a bittersweet Open for us,” Andrew Kelly told the Associated Press ahead of this week’s tournament.

Persons: Woods, Viewings, Strutt, Parker, “, ” Strutt, Annabel Blackett, Jon Super, Arnold Palmer, Tom Watson, ” Blackett, Jason Cairnduff, David, Isabel Kelly, Andrew, John, Sweden’s Henrik Stenson, Phil Mickelson, ” Andrew Kelly, ” Organizations: CNN, Blackrock House, Royal Troon, –, Troon, Associated Press Locations: Blackrock, Firth, Clyde, Isle, Arran, South Ayrshire, Scotland, ”

CNN —The Biden-Harris campaign on Sunday formally amended filings with the Federal Election Commission to rename its principal committee and declare Kamala Harris a candidate for president. The move means that should she remain on the ticket for the general election, according to the Campaign Legal Center, Harris could assume control of the Biden-Harris campaign account, which had nearly $96 million cash in hand at the end of June. It’s possible the Biden campaign will need to ask the Federal Election Commission for guidance, in the form of an advisory opinion, in the coming weeks, Engle added. That could allow Harris to start a new campaign account, revisit donors who had already maxed out contributions to the Biden-Harris campaign and hit them up again, one election attorney said. “I think the general consensus view is, because Harris’s name is already on the paperwork, she can accept it for the general election.

Persons: CNN —, Harris, Kamala Harris, “, Biden, ” Trevor Potter, Joe Biden, ”, “ Harris, Hans von Spakovsky, Dara Lindenbaum, Lindenbaum, Harris wouldn’t, von Spakovsky, Sean Cooksey, ” Craig Engle, ” Engle, there’s, Engle, Derek Muller, what’s, ” Muller, CNN’s Fredreka Schouten, Matt Holt Organizations: CNN, Biden, Sunday, Federal, Commission, Democratic, Legal, United States, Heritage Foundation, Democratic Party, Fox News, Republican, Democratic National Committee, University of Notre Dame

☆ How Project 2025 could impact your tax bracket and capital gains under a second Trump term
▼ + stars: | 2024-07-20 | by ( Kate Dore | Cfp | ) www.cnbc.com time to read: +2 min

More from Personal Finance:Lower capital gains tax, SNAP cuts: What Project 2025 could mean for your walletMany Americans think they're insulated from climate change. On a website dedicated to Project 2025, the Biden campaign describes the plan as a "blueprint for Trump." However, several former Trump officials have been directly affiliated with Project 2025 and Trump praised the Heritage Foundation in April 2022 in a recently resurfaced video. "As President Trump said, he has nothing to do with Project 2025," said Steven Cheung, a spokesman for the Trump campaign. Earlier this month, the group told CNBC: "As we've been saying for more than two years now, Project 2025 does not speak for any candidate or campaign.

Persons: Donald Trump applauds, Donald Trump, Joe Biden, Biden, Trump, Steven Cheung, we've Organizations: Republican National Convention, Heritage Foundation, Finance, Lower, SNAP, Federal, Trump, GOP, CNBC Locations: Milwaukee , Wisconsin, U.S

☆ I'm 30 and already have $50,000 in credit card debt. Declaring bankruptcy is my only way out.
▼ + stars: | 2024-07-20 | by ( Nicole Kempster | ) www.businessinsider.com time to read: +4 min

Read previewEight years ago I moved to New York City from Boston, and it was one of the hardest things I've ever had to do. The size of the room was huge, especially after I had heard horror stories of tiny New York City apartments, the only catch was that the room I would be in was way above my budget. Finally, last December — after eight years of living and financially struggling in New York City — I told my mom I was over $50,000 in credit card debt and didn't know what to do. Some of them are earnest sites that want to help, and some are predatory debt consolidation or debt settlement companies. It was clear that these companies were preying on people's shame — shame that I undeniably feel for racking up so much debt.

Persons: —, I've, New York City — Organizations: Service, Business Locations: New York City, Boston, Brooklyn, —

☆ Opinion | The Republican Party Has a Split-Personality Problem
▼ + stars: | 2024-07-20 | by ( David French | ) www.nytimes.com time to read: +1 min

The people who would make Trump president want different things from him, and those differences present political perils for Trump and also make it difficult to predict the contours of his second term. And when Trump’s emotions ultimately dictate policy, it’s fair for Americans to be concerned about worst-case outcomes. Even worse, they feel personally persecuted by a “uniparty” or “regime” that supposedly despises them and rejects their values. He’d reported to prison the day before to serve a four-month sentence for contempt of Congress. Before he entered the prison, he hosted a circuslike news conference that featured a who’s who of MAGA cranks and ideologues.

Persons: Donald Trump’s, Kevin Roberts, Roberts, Stephen K, Bannon, He’d, MAGA Organizations: Trump, Heritage Foundation

☆ As the RNC ends, swing states’ efforts to fight misinformation ramp up ahead of the election
▼ + stars: | 2024-07-20 | by ( Shania Shelton | ) edition.cnn.com time to read: +12 min

“2024 is the first American presidential election year at this intersection of election-related mis- and disinformation and the rapid growth of AI generated content. Misinformation spread rapidly through Pennsylvania during the 2020 election as the swing state faced baseless allegations about voting in Pennsylvania, perceived unfairness toward Republican poll-watchers and violations of election rules. Sabir said the misinformation fighting efforts will target voters where they are, including social media, billboards and radio ads. Fontes was recognized in May for his office’s work creating election security tabletop training exercises aimed to protect the state’s election infrastructure. Bellamy said it’s critical to fight misinformation going into this election, and elections are gaining a lot of negative attention.

Persons: CNN —, Ginny Badanes, Ashley O’Rourke, Badanes, O’Rourke, ”, it’s, Megan Bellamy, Donald Trump, Seth Bluestein, “ It’s, ” Bluestein, Omar Sabir, ” Sabir, Sabir, Lawrence Norden, Brennan, ” Norden, Adrian Fontes, Fontes, He’s, ” Fontes, Bellamy, it’ll, ” Bellamy, “, Alexander Kolodin, Kolodin, Katie Hobbs, David Edmonson, TechNet’s, ” Edmonson, Tony Evers, Adam Neylon, they’re, ” Neylon, Lia Holland, ” Holland, I’ve, Trump Organizations: CNN, Republican National Convention, Microsoft, State, Republican, Arizona, Arizona Republican, HB, Democratic, Wisconsin Gov Locations: Philadelphia, Pennsylvania, Atlanta , Milwaukee, In Arizona, Arizona, Wisconsin

☆ Droughts are threatening California's water supply. The state is racing to save what's left.
▼ + stars: | 2024-07-19 | by ( Leila Jordan | ) www.businessinsider.com time to read: +10 min

In 2012, San Francisco's Public Utilities Commission began developing the Onsite Water Reuse Program to investigate whether water reuse, also known as water recycling, in buildings could be a solution to California's water problem. The adoption of on-site water reuse can also be a sensible decision for developers. Water reuse to overcome hurdlesWhile large plants and on-site water systems in major buildings have been California's more established methods of water reuse, the state's biggest hurdle is retrofitting systems for existing buildings. During times of drought, the state has encouraged water conservation and water recycling, such as the use of recycled water for plants. In 2023, California made progress toward establishing recycled water for direct potable reuse and allowing recycled water to be used in the state's drinking-water supply.

Persons: —, Paula Kehoe, Kehoe, Aaron Tartakovsky, Tartakovsky, Cleantec, They're, Phoenix's Aquacell, Cleantec Erik Porse, Porse, It's Organizations: Infrastructure, Service, Public Utilities Commission, San Francisco Public Utilities Commission, California Institute for Water Resources, Brewing, Texas Locations: California, Silicon, San Francisco, San Francisco's, Beverly Hills, San, Iowa, States, Virginia, Texas, Florida, Hawaii, East Coast, Southern California, In Texas

☆ Secret Service Director Will Testify Before Congress on Monday
▼ + stars: | 2024-07-19 | by ( Hamed Aleaziz | More About Hamed Aleaziz | ) www.nytimes.com time to read: +1 min

The director of the Secret Service, Kimberly A. Cheatle, will appear before lawmakers for the first time on Monday as scrutiny intensifies over the security failures at the Pennsylvania rally where a gunman tried to kill former President Donald J. Trump, the agency announced on Friday. “The Secret Service is fully accountable for the safety of its protectees. As of Thursday, it was unclear whether Ms. Cheatle would appear before the committee. Regardless, lawmakers on Friday said the hearing would take place Monday as scheduled. “Secret Service Director Kimberly Cheatle must appear before the House Oversight Committee without delay on Monday, July 22, to answer our many questions and provide the transparency and accountability that Americans deserve and that are at the foundation of our government.”

Persons: Kimberly A, Donald J, Trump, ” Anthony Guglielmi, Cheatle, ”, James R, Comer, Jamie Raskin, Kimberly Cheatle Organizations: Pennsylvania, Department of Homeland Security, Republican Locations: Butler, Pa, Kentucky, Maryland

☆ Sheila Jackson Lee, long-serving Democratic congresswoman and advocate for Black Americans, dies at 74
▼ + stars: | 2024-07-19 | by ( Michelle Shen | ) edition.cnn.com time to read: +7 min

CNN —Sheila Jackson Lee, a longtime Democratic congresswoman from Texas who was an outspoken advocate for Black Americans for decades, has died. Jackson Lee announced in June that she had been diagnosed with pancreatic cancer. Brett Coomer/Houston Chronicle via Getty ImagesDuring her congressional tenure, Jackson Lee was an outspoken advocate for progressive interests and Black Americans. “Congresswoman Jackson Lee was a patriot and a fighter to the very end. She will be deeply missed by all who knew her,” Congressional Black Caucus Chairman Steven Horsford and members of the Congressional Black Caucus said in a statement following her death.

Persons: Sheila Jackson Lee, ”, Jackson Lee, ’, Elwyn Lees, Brett Coomer, Donald Trump, Trump, George Floyd’s, “, ” Jackson Lee, Steven Horsford, Jackson Lee’s, –, Lee, Nancy Pelosi, Bill Clinton, Hillary Clinton, Lina Hidalgo, Sen, John Whitmire, Amanda Edwards, Hakeem Jeffries, Houston “, ” Jeffries, Chuck Schumer, Jamie Raskin, “ Laura Coates, Al Green, Bebe Organizations: CNN, Democratic, Black, “, United States, Congressional, of, Yale University, Texas, Congressional District, Houston, Getty, House Democrats, Congressional Progressive Caucus, Congressional Black Caucus, Congressional Black, Enron, The New York Times, Congressional Black Caucus Foundation, Houston City, Democrats, Congressional Black Caucus and House Democratic Caucus, Texas Rep, State of, Huffington Locations: Texas, of Texas, Queens , New York, Houston, Iraq, House, Washington, Harris, America, State

☆ Replacing taxes with tariffs: Breaking down Trump's tariff-for-tax cuts plan
▼ + stars: | 2024-07-19 | 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 EmailReplacing taxes with tariffs: Breaking down Trump's tariff-for-tax cuts planJason Furman, Harvard’s Kennedy School of Government economics professor and former CEA chairman, and EJ Antoni, Heritage Foundation economist, join 'Squawk Box' to discuss former President Trump's tax plan, replacing taxes with tariffs, impact on the economy, and more.

Persons: Jason Furman, EJ Antoni, Trump's Organizations: Harvard’s Kennedy School of Government, Heritage Foundation

☆ Op-ed: Here’s how Taylor Swift’s lyrics can inspire a better budget
▼ + stars: | 2024-07-19 | by ( Winnie Sun | ) www.cnbc.com time to read: +5 min

Even if she's not singing about money specifically, Swift's lyrics also inspire financial lessons we can learn from. But take inspiration from Swift — "It only hurts this much right now … Breathe in, breathe through, breathe deep, breathe out." As you're building your financial plan and reviewing your budget data, keep an eye out for common bad financial habits that you can correct or modify. And if you're looking for more to do, google "free fun things" in your area. Baby, we're the new romantics, the best people in life are free."

Persons: Taylor Swift, Michael Campanella, tas24, she's, Swift, you'll, Lean, Noam Galai Organizations: Friends Arena, Getty, Letzigrund Zürich Locations: Stockholm, Sweden, Zurich, Switzerland

See Business Insider's picks for the best credit repair companies >>What is an excellent credit score? Here's how VantageScore and FICO scores are determined:FICO VantageScore Payment history (35%) Credit balance (30%) Length of credit history (15%) New credit (10%) Mix of credit accounts (10%) Payment history (40%) Length & type of credit (21%) Percent of credit used (20%) Total debt/balances (11%) Recent credit behavior and inquiries (5%) Available credit (3%)With this foundation laid out, let's look at ways to improve your credit score to achieve excellent credit. Pay your bills on time — every timeAs payment history is the most important factor used to determine your credit score, having a negative mark like a delinquent payment can lower your credit score and ruin your chances of an excellent credit score for years. A survey of 100,000 LendingTree users with excellent credit scores found that the average consumer with an excellent credit score keeps a credit utilization ratio of 5.7% on a credit limit of $58,514 spread over 7.9 accounts. Excellent credit score frequently asked questionsWhat is the best credit score?

Persons: Insider's, Zer, Gen Organizations: Isaac Corp, Visa, Card, Chevron Locations: Chevron

Analyst Mauricio Serna also raised his price target to $20 from $13, indicating 57.6% upside potential from where shares closed on Thursday. Barclays also lowered its price target to $47 from $55, indicating 11.4% downside from Thursday's close. Analyst Benjamin Swinburne has a $780 price target on shares, indicating shares could rise 20% from Thursday's close. Cahall raised his price target to $758 from $726, suggesting nearly 18% upside potential from the stock's close price on Thursday. His new price target of $190, up from $107, implies upside of 20% from Thursday's close.

Persons: Morgan Stanley, Mauricio Serna, Serna, — Hakyung Kim, Barclays downgrades Molson Coors, Lauren Lieberman, BUD YTD, Hakyung Kim, Benjamin Swinburne, Swinburne, Doug Anmuth, Anmuth, Wells, Steven Cahall, Cahall, Arm Holdings Morgan Stanley, Lee Simpson, Simpson, GenAI, Fred Imbert Organizations: CNBC, Netflix, Arm Holdings, UBS, Barclays downgrades, Barclays, bearish, Molson Coors, NFLX's, Holdings, ARM Locations: Serna, Thursday's, Wells Fargo

While a pay-for-delete letter can save your credit score, it's a less-than-ideal option that comes with several pitfalls. What to include in a pay-for-delete letterOnce you decide to write a pay-for-delete letter, it's easy to end up staring at that blank page, unsure where to start. Additionally, even if a debt collector follows through on the pay-for-delete letter, your debt may reappear on your credit report. Pay-for-delete letter frequently asked questionsWhat if my debt collector doesn't honor a pay-for-delete letter? What is the difference between a pay-for-delete letter and a goodwill adjustment letter?

Persons: it's, Tiffany Cross, Lamine Zarrad, Rick Eicheldinger, Zarrad, Eicheldinger, isn't, Will Organizations: Fair

☆ We moved our family to Florida for my husband's job. It ruined our marriage — and I'm back in Ohio with the kids.
▼ + stars: | 2024-07-19 | by ( Candace Powell | ) www.businessinsider.com time to read: +4 min

Read previewI've moved a lot throughout my life — across town, down the road, and from one state to another. But one move, from Ohio to Florida, cost me my husband of nearly 11 years. My husband's job required him to leave right away — three months before the kids and I could. AdvertisementBy the time we could join him, he'd already created a life for himself and seemed fully immersed in Florida culture. Three months after returning to Ohio, my husband, whom I'd been with for 14 years, packed his bags and moved out.

Persons: —, we'd, Blake Callahan, he'd, I'd, I've, it's, I'm Organizations: Service, Business Locations: Ohio, Florida, untangling

Search resuls for: "foundation"

25 mentions found