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☆ 9 questions to ask if you're taking profits in a stock but think you might want to re-buy lower
▼ + stars: | 2024-02-26 | by ( Zev Fima | ) www.cnbc.com time to read: +9 min

Here's our Club Mailbag email investingclubmailbag@cnbc.com — so you send your questions directly to Jim Cramer and his team of analysts. But I'm unclear on how to formulate an exit and re-entry strategy, so I just let the shares run and I feel like a hog running towards slaughter! The answer may be that the stock has run too far, too fast. So, the number one question is whether or not you think the stock is set to go higher. But I'm unclear on how to formulate an exit and re-entry strategy, so I just let the shares run and I feel like a hog running towards slaughter!

Persons: Jim Cramer, you've, That's, Wells Fargo, Emerson, it's, we've, Jim Organizations: Nvidia, Currency, Oracle, Coterra Energy, DuPont, CNBC Locations: China

☆ 23-year-old's dorm room side hustle brings in $124,000 a year: 'You can start with as little as $5'
▼ + stars: | 2024-02-22 | by ( Tom Huddleston Jr. | ) www.cnbc.com time to read: +5 min

After making $200 off her own used clothes, she turned to some of her favorite places to shop: thrift stores. Much of her business' growth came from her dorm room at Duke University, where she graduated last year with a degree in psychology. I had maybe 200 or so items in my dorm room my sophomore year, and now I have 1,300 items [in a storage unit]." How much cash do you need to start a thrifting side hustle? [In terms of the thrifting], you can start with as little as $5.

Persons: they've, Sophie Riegel didn't, I've, Riegel, she's, She's, —, you've, You've Organizations: CNBC, eBay, Duke University, YouTube Locations: AskMakeIt@cnbc.com

☆ As S&P approaches 5,000, this one trend has been unwavering
▼ + stars: | 2024-02-08 | by ( Bob Pisani | ) www.cnbc.com time to read: +3 min

It's been a bumpy road from 4,000 to 5,000, but the overall trend stays with big cap tech. Talk about timing: It launched just as the S & P 500 was recovering from the banking crisis, and MAGS has been one of the star ETF performers of the last year. A bumpy road from 4,000 to 5,000 The S & P 500 had been comfortably over 4,000 from mid-2021 into mid-2022, when rising rates pushed the broad index below 4,000. This is true not just this year, but since the S & P went over 4,000 at the end of March, as has international investing. If you own the S & P 500, which has become tech-dominant, you are happy.

Persons: It's, Dave Mazza, MAGS, Mazza, ETFEdge.cnbc.com Organizations: Exchange ETF, Technology, Microsoft, Nvidia, Apple, AMD, Communication Services, Banks, Care, Staples, Energy, Edge, Miami Beach Locations: Miami Beach, Roundhill

☆ Amazon cuts hundreds of jobs in Pharmacy, One Medical units: Read the memo
▼ + stars: | 2024-02-06 | by ( Annie Palmer | In Annierpalmer | ) www.cnbc.com time to read: +5 min

Amazon has eliminated hundreds of jobs in its Pharmacy and One Medical divisions, the company confirmed to CNBC. "Unfortunately, these changes will result in the elimination of a few hundred roles across One Medical and Amazon Pharmacy." At the start of this year, Amazon announced cuts in its Prime Video, MGM Studios, Buy with Prime, Twitch and Audible units. Here's the full memo from Lindsay:Hi everyone, The past year has been incredibly exciting for all of our health care businesses, and we're seeing tremendous growth for Amazon Pharmacy, One Medical, and Amazon Clinic. Unfortunately, these changes will result in the elimination of a few hundred roles across One Medical and Amazon Pharmacy.

Persons: Neil Lindsay, Lindsay, Andy Jassy, Brian Olsavsky, Amazon, Neil CNBC Organizations: Amazon, CNBC, Amazon Health Services, Amazon Pharmacy, MGM Studios, Amazon Clinic, Pharmacy, CARE Locations: Amazon's, d50nominations.cnbc.com

☆ CNBC Special Podcast: China’s Corporate Spy War
▼ + stars: | 2024-02-06 | by ( ) www.cnbc.com time to read: 1 min

CNBC Documentaries examines the case of a Chinese government spy who tried to steal trade secrets from some of America's biggest companies, including GE, Boeing and Honeywell. Correspondent Eamon Javers talks with prosecutors, intelligence experts and government officials, including the Director of the FBI, Christopher Wray — all of whom say the case is an example of China's desire to dominate global markets through any means necessary, including stealing technology from the heart of corporate America. In this special podcast series, Javers explores the shadowy world of spies and the industrial battle space that has millions of U.S. jobs on the line. "China's Corporate Spy War" originally aired on CNBC in June 2023. To watch China's Corporate Spy War and other CNBC Documentaries go to: https://www.cnbc.com/documentaries/

Persons: Eamon Javers, Christopher Wray —, Javers, China's Organizations: CNBC, GE, Boeing, Honeywell, FBI Locations: America

☆ The 2024 Just 100 rankings
▼ + stars: | 2024-02-05 | by ( Cnbc.Com Staff | ) www.cnbc.com time to read: 1 min

Just Capital's annual list ranks companies on issues the American public says in polling are the most important in demonstrating that the stock market is doing right by all stakeholders. The JUST 100 evaluates Russell 1000 companies across 20 core issues, 236 underlying data points, and five stakeholders: workers, communities, shareholders & governance, customers, and the environment. According to Just Capital, on average, the top-performing companies across all industries pay higher wages, create more jobs, provide more career advancement opportunities and better benefits, have greater gender and racial diversity, set stricter carbon goals, and have competitive equity performance versus Russell 1000 peers.

Persons: Russell Organizations: Just

☆ You hear the market expects six Fed rate cuts this year — here's where that data comes from
▼ + stars: | 2024-01-31 | by ( Zev Fima | ) www.cnbc.com time to read: +5 min

This week's question: CNBC guests often say six Fed cuts are priced into the 2024 market. – Mike H. When you hear about the number of Federal Reserve interest rate cuts being priced into the market, the data comes from the CME FedWatch tool . The overnight fed funds bank lending rate is the rate that everyone is referring to when talking about Fed rate moves. You may have heard us say things like, the market is trading on Fed rate cuts. This week's question: CNBC guests often say six Fed cuts are priced into the 2024 market.

Persons: Jim Cramer, Mike H, Jerome Powell, Jim Organizations: Federal, CME, That's, CNBC

☆ No emergency fund? These tips can help you build savings and find extra cash in your budget, advisors say
▼ + stars: | 2024-01-30 | by ( Lorie Konish | ) www.cnbc.com time to read: +1 min

If you're like most people, you may not have an emergency savings fund. It's not necessarily our fault, experts say, as our brains are programmed to focus on our needs today. He and other financial advisors typically recommend having at least three to six months' living expenses set aside in case of an abrupt change in income or unexpected event. At that point, it doesn't feel like as much of a stretch to set aside 20% of your income toward retirement and 5% toward an emergency fund. Financial advisors often see this barrier to savings with their clients and have their own tactics for nudging clients to set aside more cash and free up flexibility in their budgets.

Persons: It's, We're, Brad Klontz, CNBC.com, Klontz Organizations: Finance, CNBC FA

Three names in the industry – Johnson & Johnson , Merck and Bristol Myers Squibb – face a pivotal few weeks ahead. They join Bristol Myers Squibb CEO Chris Boerner, who agreed to the panel's initial invitation to appear. But why is the committee targeting Merck, J&J and Bristol Myers Squibb in the first place? J&J, Merck and Bristol Myers Squib are all suing to halt the talks, which will establish new prices that will go into effect in 2026. Bristol Myers Squibb's Opdivo is an immunotherapy used to treat cancers, including melanoma and lung cancer.

Persons: Annika Kim Constantino, – Johnson, Sen, Bernie Sanders, Joaquin Duato, Robert Davis, Chris Boerner, Sanders, Eli Lilly's, Januvia, Bristol Myers, He's, Biden, Merck's, Myers, Eliquis, Mike Perrone, it's Organizations: CNBC.com, Johnson, Merck, Bristol Myers Squibb, Bristol Myers, Medicare, Bristol, CNBC, pharma Locations: U.S, drugmakers

☆ Here's what we think about when deciding how many shares to buy or sell
▼ + stars: | 2024-01-28 | by ( Zev Fima | ) www.cnbc.com time to read: +6 min

This week's question: As you would imagine, many of us Club members hold positions in the Portfolio stocks with sizing that differs from the Club holdings. As a subscriber to the CNBC Investing Club with Jim Cramer, you will receive a trade alert before Jim makes a trade. THE ABOVE INVESTING CLUB INFORMATION IS SUBJECT TO OUR TERMS AND CONDITIONS AND PRIVACY POLICY , TOGETHER WITH OUR DISCLAIMER . NO FIDUCIARY OBLIGATION OR DUTY EXISTS, OR IS CREATED, BY VIRTUE OF YOUR RECEIPT OF ANY INFORMATION PROVIDED IN CONNECTION WITH THE INVESTING CLUB. This week's question: As you would imagine, many of us Club members hold positions in the Portfolio stocks with sizing that differs from the Club holdings.

Persons: Jim Cramer, Jim Organizations: Club, CNBC, Apple

☆ 33-year-old makes over $100,000 and works from home without a bachelor’s degree—here’s how
▼ + stars: | 2024-01-25 | by ( Morgan Smith | ) www.cnbc.com time to read: +6 min

This story is part of CNBC Make It's Ditching the Degree series, where women who have built six-figure careers without a bachelor's degree reveal the secrets of their success. "At that point, I was like, 'Well, how far can I go without a bachelor's degree?'" Ansley says this proactive approach to her professional growth and networking helped her transition from marketing to product management. While some companies prefer product managers to have a bachelor's degree in business management, supply chain management or a related field, it isn't always required. Why product management is a 'great career' for someone without a degree

Persons: Ansley, Kami Smith, isn't, Smith Organizations: CNBC, Tillotson University, University of Texas, Texas Windstorm Insurance Locations: AskMakeIt@cnbc.com, Austin , Texas, San Antonio, Texas, Houston, BMF, Austin, South, Austin .

☆ Will leaders stay focused on the green agenda? Watch CNBC’s Sustainable Future Forum from Davos 2024
▼ + stars: | 2024-01-25 | by ( Cnbc.Com Staff | ) www.cnbc.com time to read: +2 min

CNBC's "Sustainable Future Forum" returned as a special event live from the 54th Annual Meeting of the World Economic Forum in Davos, Switzerland. CNBC convened top policymakers and business leaders to evaluate the outcomes of COP28 and examine what needs to happen in 2024 to ensure pledges are upheld, and progress is made. This panel examines what needs to happen to stay on course. watch nowNavigating the Energy TransitionCOP28 climate summit reached a historic deal to transition away from fossil fuels but did the agreement go far enough? Guests on the panel included: Marco Alvera, CEO, TES Vaishali Sinha, co-founder, ReNew Alfred Stern, CEO, OMV Bold Baatar, CEO, Rio Tinto Copper Henrik Andersen, CEO, Vestas

Persons: Badr Jafar, Daniel F, Feldman, John Kerry, Biden Rachel Kyte, Sanda Ojiambo, Tania Bryer, Kofi Annan, Marco Alvera, TES Vaishali Sinha, Alfred Stern, OMV, Rio Tinto Copper Henrik Andersen, Vestas Organizations: Economic, CNBC, Crescent Petroleum, Business, Philanthropy, Conference of, UN, Partner, Staff, Initiative, Energy, TES Vaishali, Rio Tinto Copper Locations: Davos, Switzerland, Dubai, Covington, Rio

☆ CNBC Pro Talks: From AI to U.S.-China rivalry, one CIO shares how — and where — to invest
▼ + stars: | 2024-01-24 | by ( Cnbc.Com Staff | ) www.cnbc.com time to read: +1 min

From electric vehicles, artificial intelligence and geopolitics, opportunities are seized by looking at disruptive changes in the global economy, according to Kingsley Jones of boutique advisory firm Jevons Global. Jones is bullish on the usual Big Tech names, but says they're "boring." "This year our attention has turned to under-valued growth stocks that are natural beneficiaries of AI," he added. To discover more on the themes — and stocks and ETFs — that Jones likes, join CNBC Pro Talks on Thursday, Jan. 25, at 6:30 a.m. BST / 2:30 p.m. SGT / 1:30 a.m. Learn more from our previous Pro Talks: Portfolio manager explains why he has the 'most conviction' in this China tech stock Fund manager reveals the one energy stock to buy right now Forget Tesla.

Persons: Kingsley Jones, Jevons, Koulouris, Jones, Goldman Sachs Organizations: U.S, Big Tech, CNBC, BYD Locations: China

☆ A 12% retirement return assumption is 'absolutely nuts,' expert says. Here's a realistic rate to expect
▼ + stars: | 2024-01-19 | by ( Lorie Konish | ) www.cnbc.com time to read: +4 min

GlobalStock | Getty ImagesReturn assumptions as a lesson on compoundingThe point of the example was not to expect a 12% average rate of return on your money, Orman tells CNBC.com. Why 12% is an optimistic benchmarkThere's a reason that 12% tends to be used as a benchmark, according to Blanchett. How much retirement savers can expect to earnSo how much can you realistically expect to earn on your retirement investments? The first example with a 12% average rate of return is to illustrate the power of compounding. How your personal rate of return may varyTo be sure, no rates of return are guaranteed.

Persons: Orman, CNBC.com, Young, Roth, Ramsey, Blanchett, It's, " Blanchett, Brian Spinelli, Spinelli Organizations: IRA, Fidelity, Global, CNBC's Locations: Long Beach, Calif

☆ What does 'buy and homework' mean for investors? Here's how to get started
▼ + stars: | 2024-01-18 | by ( Zev Fima | ) www.cnbc.com time to read: +5 min

Here's our Club Mailbag email investingclubmailbag@cnbc.com — so you send your questions directly to Jim Cramer and his team of analysts. The objective of staying current with Wall Street research, news events, industry trends and macroeconomic shifts is to answer one big question: Is my investment thesis still intact? As a subscriber to the CNBC Investing Club with Jim Cramer, you will receive a trade alert before Jim makes a trade. THE ABOVE INVESTING CLUB INFORMATION IS SUBJECT TO OUR TERMS AND CONDITIONS AND PRIVACY POLICY , TOGETHER WITH OUR DISCLAIMER . NO FIDUCIARY OBLIGATION OR DUTY EXISTS, OR IS CREATED, BY VIRTUE OF YOUR RECEIPT OF ANY INFORMATION PROVIDED IN CONNECTION WITH THE INVESTING CLUB.

Persons: Jim Cramer, — Melissa Goldberg, Phil Fisher, Piper, Jim, Locker, Squawk, Virginia Sherwood Organizations: Wall, Club, Costco, CNBC Locations: Maxx

☆ What to do when 'own, don't trade' Apple and Nvidia grow into big positions
▼ + stars: | 2024-01-07 | by ( Zev Fima | ) www.cnbc.com time to read: +7 min

Apple and Nvidia are "own, don't trade" stocks, so should they be kept as they are, or shrink down? First, let's address our idea of "own, don't trade" stocks. To main a diversified portfolio, we don't want any of our positions, even Apple, to get much bigger than 5-6%. That doesn't mean we don't love the name or no longer view it as an "own, don't trade," it simply means that while it is an "own, don't trade" we also still abide by the view that discipline trumps conviction (diversification and not don't be greedy being the two disciplines of focus in this case) and that overrides the own, don't trade mantra. When we say "don't trade" these two names, we stay invested in both and don't try to catch the next 10% move up or down.

Persons: Jim Cramer, Eli Lilly, Jennie, Nvidia —, Nvidia wasn't, Jim Cramer's, Jim, SeongJoon Cho Organizations: Nvidia, Broadcom, Costco, Apple, Federal Reserve, Jim Cramer's Charitable, CNBC, Apple Inc, Bloomberg, Getty Locations: Hanam, South Korea

☆ Cryptocurrency investors eagerly awaiting SEC ruling on bitcoin ETFs
▼ + stars: | 2024-01-05 | by ( Bob Pisani | ) www.cnbc.com time to read: +5 min

Crypto investors are eagerly awaiting an imminent ruling from the U.S. Securities and Exchange Commission that will likely approve the trading of a spot bitcoin exchange-traded fund, more than a decade after initial attempts were rejected. 13 companies have filed for a spot bitcoin ETF:Grayscale Bitcoin TrustArk/21Shares Bitcoin TrustBitwise Bitcoin ETF TrustBlackRock Bitcoin ETF TrustVanEck Bitcoin TrustWisdomTree Bitcoin TrustValkyrie Bitcoin FundInvesco Galaxy Bitcoin ETFFidelity Wise Origin Bitcoin TrustGlobal X Bitcoin TrustHashdex Bitcoin ETFFranklin Templeton Digital Holdings TrustPando Asset Spot Bitcoin TrustHow the SEC will proceedThere are two components to the applications:1) A 19b-4 filing, which is a form used by exchanges to inform the SEC of a proposed rule change. In this case, each company filing for the spot bitcoin ETF has differences in the way the product might be structured. Invesco's Galaxy Bitcoin ETF has set its expense ratio at 59 basis points, which are waived for the initial six months and the first $5 billion in assets. Grayscale Bitcoin Trust currently charges 2% but has said it's committed to lowering the fee once its application to convert to a bitcoin ETF is approved.

Persons: Fidelity's, it's, Gary Gensler's, Gensler, Bitcoin, Coinbase, Binance, Changpeng Zhao, Zhao, Wood Organizations: U.S . Securities, Exchange Commission, BlackRock, Fidelity, Bitcoin, Franklin Templeton Digital Holdings Trust, SEC, Securities, NYSE, Nasdaq, Galaxy, U.S ., Appeals, U.S . Department of Justice, Binance

☆ Why own Apple stock when there are no near-term catalysts? Here are 3 key reasons
▼ + stars: | 2023-12-31 | by ( Zev Fima | ) www.cnbc.com time to read: +6 min

However, the reason Apple is designated an "own it, don't trade" stock is because near-term catalysts are less important than the longer-term trajectory. If 2023 taught us anything it's that the stock market will always surprise you. We think the best approach is to not worry too much about quarterly dynamics, and focus on the longer-term drivers of Apple stock. THE ABOVE INVESTING CLUB INFORMATION IS SUBJECT TO OUR TERMS AND CONDITIONS AND PRIVACY POLICY , TOGETHER WITH OUR DISCLAIMER . NO FIDUCIARY OBLIGATION OR DUTY EXISTS, OR IS CREATED, BY VIRTUE OF YOUR RECEIPT OF ANY INFORMATION PROVIDED IN CONNECTION WITH THE INVESTING CLUB.

Persons: Jim Cramer, Dave You, that's, Siri, it's, you've, Jim Cramer's, Jim, SeongJoon Cho Organizations: Club, Apple, EU, Nvidia, Apple Watch, Services, Apple Care, Jim Cramer's Charitable, CNBC, Apple Inc, Bloomberg, Getty Locations: spurts, India, Hanam, South Korea

☆ A tech-heavy portfolio can be still considered diversified. Here's how we think about it
▼ + stars: | 2023-12-24 | by ( Zev Fima | ) www.cnbc.com time to read: +10 min

– Thank you, Cathryn, San Francisco We certainly understand and agree it's becoming increasingly difficult to maintain a diversified portfolio that's not dominated by technology stocks. There are also what many investors would think of as tech companies in S & P 500 Communication Services , at an 8.6% weighting. After all, we would say Meta, Alphabet and Amazon are as much tech companies as Apple or Microsoft, with all three considered leaders in artificial intelligence. These are industrial technology companies, not the industrial companies of old. So, using some of the examples provided in the question: Yes, Microsoft and Apple are both considered Information Technology companies.

Persons: Jim Cramer, it's, didn't, We've, they're, Jim Cramer's, Jim Organizations: Technology, Nvidia, Apple, Broadcom, Microsoft, Palo Alto Networks, Communication, Honeywell, Eaton, Web Services, Google, Jim Cramer's Charitable, CNBC Locations: San Francisco

CNBC is now accepting nominations for the 2024 Disruptor 50 list — our annual look at the most innovative venture-backed companies using breakthrough technology to meet increasing economic and consumer challenges. A notable past Disruptor 50 company that made it to the public market this year, Instacart , has failed to maintain its IPO pricing. Business failures, too, have occurred for formerly high-flying, high-profile backed Disruptor 50 companies, including Convoy and WeWork. This is especially true of companies involved in the booming AI hype cycle sparked by 2023's top Disruptor 50 company, OpenAI, just over a year ago. 2024 honorees will be notified in April, and the list will be released in May across CNBC's TV and digital platforms.

Persons: Jan Organizations: CNBC, U.S, Convoy, CNBC's

☆ CNBC's Sustainable Future Forum 2023
▼ + stars: | 2023-11-29 | by ( Cnbc.Com Staff | ) www.cnbc.com time to read: 1 min

For the first time, CNBC's Sustainable Future Forum will take place in-person, hosted on Sunday Dec. 3, 2023. in Dubai alongside the UN's flagship climate change conference, COP28. Hosted by Steve Sedgwick, the Co-Anchor of CNBC's flagship show 'Squawk Box,' the event will explore how global leaders of business, industry and public policy convey the vision of COP28 to consumers, societies and their other stakeholders. Amid public skepticism about progress towards a sustainable future, and tension between short-term economic demands and long-term changes, how do advocates of sustainability across business and government convince people their strategy and policies are right? How do you sell your vision of the future to win hearts and minds when many people are focused on the impacts of the economic downturn? Check out the speakers' list and agenda here.

Persons: Steve Sedgwick Organizations: COP28, CNBC's Locations: Dubai

☆ 41-year-old's side hustle brings in $125,500 a year, and costs $0 to start: 'The riches are found in niches'
▼ + stars: | 2023-11-28 | by ( Megan Sauer | ) www.cnbc.com time to read: +5 min

She posts her worksheet booklets — designed to help teach literacy to young students — to her online store on Teachers Pay Teachers, an Etsy-style marketplace. Jerome and Becky Powell run their Teachers Pay Teachers stores separately — but the money all goes to the same place, they say. You don't have to spend any money to get started, Powell notes: Teachers Pay Teachers has both free and paid tiers for sellers. Powell pays that subscription fee, as does her husband Jerome — a full-time computer engineer who manages another Teachers Pay Teachers store, called Editable Activities. I have helped eight friends and coworkers open their own stores on Teachers Pay Teachers.

Persons: —, Becky Powell, they've, Jerome, Powell, Jerome —, You've, I've, It's, it's, Warren Buffett Organizations: CNBC, Pay Teachers, Teachers, Pay Locations: Beaverton , Oregon, AskMakeIt@cnbc.com

☆ 'Same as ever:' Lessons on wealth, greed and happiness from Morgan Housel
▼ + stars: | 2023-11-27 | by ( Bob Pisani | ) www.cnbc.com time to read: +13 min

Morgan Housel(Note: Morgan Housel will be on HalfTime Report today at 12:35 PM ET and on ETF Edge at 1:10 PM. To give you an idea of how big that is, a typical financial book will sell roughly 5,000 copies. Now Housel is back with a second book, "Same As Ever: Timeless Lesson on Wealth, Greed and Happiness." Housel cites Charlie Munger, who noted that the world isn't driven by greed, it's driven by envy. Today's economy is good at generating three things: wealth, the ability to show off wealth, and great envy for other people's wealth."

Persons: Morgan Housel, Twain, Bill Gates, Gates, Morgan, Housel, Charlie Munger, Nassim Taleb, Elon Musk, Steve Jobs, Walt Disney, — Organizations: Collaborative Fund, Edge, Lakeside High School, National War Labor Board, Rolex Locations: Seattle, California

☆ This is the best place to park cash to use for your next stock buys
▼ + stars: | 2023-11-26 | by ( Zev Fima | ) www.cnbc.com time to read: +5 min

According to money market tracker Crane Data , the average yield of the 100 largest money market funds is 5.19%. Money market funds vs. money market accounts Not to be confused with money market accounts (and other types of deposit accounts), money market funds are low-risk investments — and as such, they are not backed by the Federal Deposit Insurance Corporation (FDIC). Forbes put together a list of top money market funds from some of the biggest brokerages in the nation. To be sure, as CNBC Select points out, there are high-yield savings and money market accounts out there with yields approaching those from money market funds. But we want to emphasize that these were rare events and money market funds are considered very low-risk investments.

Persons: Jim Cramer, Louis P, Forbes, you'll, Jim Cramer's, Jim Organizations: Federal Deposit Insurance Corporation, CNBC, Jim Cramer's Charitable, New York Stock Exchange, Bloomberg, Getty Locations: New York, U.S

☆ Holiday shoppers have the ‘best discounting season in years,’ expert says. These tips can help you save even more
▼ + stars: | 2023-11-22 | by ( Lorie Konish | ) www.cnbc.com time to read: +3 min

For consumers, there is no incentive to holding on to gift cards. If you don't want to use it for yourself, consider using it to buy a gift for someone else or gifting them the gift card. watch nowDO take advantage of credit card rewardsMany consumers also have credit card rewards available they have not yet redeemed. DON'T use credit cards without a plan to pay them offThe average credit card interest rate is now a record 20.72%, according to Bankrate. You may sign up for a new credit card that requires a minimum threshold for new purchases to unlock rewards.

Persons: Rossman, Paul Fabara, CNBC.com

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