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How to get Citi presale tickets for Beyoncé's Renaissance World TourSince demand for Beyoncé's tour is so high, she's using Verified Fan to help boost your shot of getting tickets. How to sign up for Citi Verified Fan Registration Visit the ticketing website during the registration period and choose which group you'd like to move forward with for Citi Verified Fan Registration. The Citi presale will run from Feb. 7 at 10 a.m. through Feb. 8 at 6 p.m., or while supplies last. The Citi presale will run from Feb. 7 at 10 a.m. through Feb. 8 at 6 p.m., or while supplies last. The Citi presale will run from Feb. 14 at 10 a.m. through Feb. 15 at 6 p.m., or while supplies last.

☆ How to access American Airlines Admirals Club airport lounges
▼ + stars: | 2023-02-01 | by ( Jason Stauffer | Elizabeth Gravier | ) www.cnbc.com time to read: +11 min

Below, CNBC Select details of the ways you can access American Airlines' network of Admirals Club lounges. American Airlines lounge locationsAmerican Airlines offers a network of nearly 50 Admirals Club lounges across 32 airports worldwide. How to access American Airlines loungesTo access any American Airlines lounge you'll need to be flying either with American Airlines, a Oneworld alliance partner or JetBlue. Members of the U.S. military traveling in uniform have access to most Admirals Club lounges when traveling on a same-day American Airlines flight. With an annual Admirals Club membership you'll also have access to Alaska Airlines lounges, Qantas lounges and other partner lounges.

That's when personal loans can really shine as a valuable financial tool. These loans come with all sorts of different terms and conditions, which can stick even the shrewdest shopper with unnecessary fees and interest payments. Select a lender that doesn't charge origination or application feesSome — but not all — personal loan lenders may charge fees for submitting an application and originating the loan. It involves replacing your current loan with a new one that carries a lower interest rate, saving you money on your interest payments. Bottom lineKnowing how to save money on a personal loan can help you get the most from this flexible financial tool.

Audit your loyalty accounts to know exactly how many points you have and which ones are on the verge of expiring. Buy points Sometimes loyalty programs will sell points at a discount and buying them can save you money on travel. Earn points The easiest way to earn points is to get a co-branded credit card. Most loyalty programs offer shopping portals and dining rewards programs where you can earn points without a fee. Dining rewards programs are even easier to earn points with — link your credit card with the program, dine at a participating restaurant and earn points.

A few weeks ago, Chase launched new welcome bonuses for two of its Ink Business Credit Cards, and it's their largest sign-up offers yet. Eligible new card members of the Ink Business Cash® Credit Card and Ink Business Unlimited® Credit Card can now earn $900 bonus cashback after spending $6,000 in the first three months. Ink Business Cash and Unlimited welcome bonusThe two Chase Ink Business Credit Cards offering elevated welcome bonuses are the Ink Business Cash® Credit Card and the Ink Business Unlimited® Credit Card. Who’s eligible to earn the Ink Business Cash and Unlimited card welcome bonuses? Ink Business Cash and Unlimited benefits and rewardsChase Ink Business Cash vs.

Compared to actively managed funds, target-date funds also have lower management costs, better known as expense ratios. Cons of target-date fundsOn the flip side, target-date funds come with some cons as well, one being that they are modeled assuming a one-size-fits-all approach. Vanguard Learn More Minimum deposit and balance Minimum deposit and balance requirements may vary depending on the investment vehicle selected. Betterment Learn More Minimum deposit and balance Minimum deposit and balance requirements may vary depending on the investment vehicle selected. Wealthfront Learn More On Wealthfront's secure site Minimum deposit and balance Minimum deposit and balance requirements may vary depending on the investment vehicle selected.

Here are some of the best lenders that offer VA loans and USDA loans with zero down. Best VA loan lendersBest USDA loan lendersFAQsSubscribe to the Select Newsletter! Types of loans offered: The most common kinds of mortgage loans include conventional loans, FHA loans and VA loans. The most common kinds of mortgage loans include conventional loans, FHA loans and VA loans. Fees: Common fees associated with mortgage applications include origination fees, application fees, underwriting fees, processing fees and administrative fees.

Like Wells Fargo, Chase offers two brick-and-mortar savings accounts: the standard Chase Savings℠ and the Chase Premier Savings℠. If you want a simple, no-frills and low cost savings account at a brick-and-mortar bank, U.S. Bank's Standard Savings Account is for you. The three choices include Virtual Wallet, Virtual Wallet with Performance Spend and Virtual Wallet with Performance Select. Spend is your everyday checking account, Reserve your interest-bearing checking account / primary overdraft protection account and Growth is your long-term savings account / secondary overdraft protection account. Any return on your savings depends on the associated fees and the balance you have in your brick-and-mortar savings account.

If you want daily triple-bureau credit monitoring and monthly credit score and credit report tracking, you should opt for the mid-tier PrivacyGuard® Credit Protection, which costs $19.99 per month. Things to consider before signing up for a credit monitoring serviceHere's what you should consider before signing up for a credit monitoring service: Cost: Typically, these services bill monthly. When ranking the best free credit monitoring services, we focused on the following features: Number of credit bureaus monitored: Services that monitor credit reports from more than one credit bureau were ranked higher since it's rare for free services to monitor several reports. When ranking the best paid credit monitoring services, we focused on the following features: Cost: Lower-cost services that offered more benefits ranked higher in our reviews. Keep in mind that credit monitoring services can only alert you of changes to your credit file, not fix or prevent any errors.

Mortgage rates have been as high as 18% in the 1980s, which is significantly higher than current rates. Just take a look at this graph from the St. Louis Federal Reserve to see how today's mortgage rates measure up against the ones in the past. For example, the 2008 recession saw a 30-year mortgage peak of 6.63%. The current 30-year rate, as of this writing, is at 5.30% but we'll see how recession fears impact this. SoFi members can also get $500 off on their mortgage loans.

If you're looking for a jumbo loan, here are four mortgage lenders you should consider. Types of loans offered: The most common kinds of mortgage loans include conventional loans, FHA loans and VA loans. The most common kinds of mortgage loans include conventional loans, FHA loans and VA loans. Fees: Common fees associated with mortgage applications include origination fees, application fees, underwriting fees, processing fees and administrative fees. Common fees associated with mortgage applications include origination fees, application fees, underwriting fees, processing fees and administrative fees.

Market forces may influence the general range of mortgage rates but your specific mortgage rate will depend on your location, credit report and credit score. The higher your credit score, the more likely you are to be qualified for a lower mortgage interest rate. Types of loans offered: The most common kinds of mortgage loans include conventional loans, FHA loans and VA loans. In addition to these loans, lenders may also offer USDA loans and jumbo loans. Fees: Common fees associated with mortgage applications include origination fees, application fees, underwriting fees, processing fees and administrative fees.

As mortgage rates spike, more and more potential homebuyers are considering adjustable-rate mortgage loans to finance their home purchases. An adjustable-rate mortgage is a type of loan that carries an interest rate that is constant at first but changes over time. Then, once that time period is over, your interest rate will change at certain time intervals depending on market conditions. But with an adjustable-rate mortgage, you start off paying a really low interest rate during what's known as the fixed period. Where to find adjustable-rate mortgagesIf an adjustable-rate mortgage sounds like the best option for you, there are several lenders that offer this type of loan.

On the other end of the spectrum is what we refer to as "toxic debt." Unlike low-interest-rate debt, toxic debt is a loan that's issued with a significantly high interest rate (usually a rate north of 30%). In other words, toxic debt is debt that has little chance of being paid back with interest — a characteristic that can be particularly toxic to both the lender and the borrower. Because toxic debt could be wreaking havoc on your finances without you even realizing, below we share signs you might already have it, plus tips to avoid or get out of toxic debt. Tips to avoid or get out of toxic debtIt's obvious that you should try to avoid toxic debt at all times, but that can be easier said than done.

Rocket Mortgage is one of the biggest mortgage lenders in the U.S. and has recently become a household name. While most mortgage lenders tend to look for a minimum credit score of 620, Rocket Mortgage accepts applicants with credit scores as low as 580. Types of loans offered: The most common kinds of mortgage loans include conventional loans, FHA loans and VA loans. The most common kinds of mortgage loans include conventional loans, FHA loans and VA loans. Fees: Common fees associated with mortgage applications include origination fees, application fees, underwriting fees, processing fees and administrative fees.

Below, CNBC Select rounded up four of the best personal loan lenders that still accept applicants who have credit scores of 580 or lower. According to Upstart's website, applicants with a credit history should apply with a minimum credit score of 300 (though, Upstart also accepts applicants with no credit history). Sometimes, a potential borrower may have a low credit score because they have extremely limited credit activity. Other times, a lack of credit history may result in them having no credit score at all. OneMain Financial generally accepts applicants with at least a poor or fair credit score (the exact credit score minimum is not disclosed but for reference, a poor credit score is considered to be between 300 and 579 and a fair credit score is considered to be between 580 and 669).

Below, CNBC Select rounded up five of the best personal loan lenders that still accept applicants who have credit scores below 670. Sometimes, a potential borrower may have a low credit score because they have extremely limited credit activity. Other times, a lack of credit history may result in them having no credit score at all. Many personal loan lenders offer amounts starting around $3,000 to $5,000, but with Upgrade, you can apply for as little as $1,000 (and as much as $50,000). Common personal loan definitions you should knowHere are some common personal loan terms you need to know before applying for one.

There are many things you can use a personal loan for, including a wedding, a funeral, a home renovation, debt consolidation or a big emergency. Just like with any other form of credit, personal loan lenders will typically want to measure the creditworthiness of applicants by looking at their credit scores and credit history. Fortunately, though, some personal loan lenders can still consider such applicants. CNBC Select rounded up some personal loan lenders that may still approve applicants who don't have a sufficient enough credit history to generate a credit score. While SoFi generally accepts good or excellent credit for its personal loan products, borrowers can apply for a loan using a co-applicant.

Previously, online-only Ally Bank put an end to overdraft fees on all accounts in an attempt to help keep people from falling behind financially as the pandemic continued. An overdraft fee is a common banking fee that gets charged when you spend more than the amount available in your account. This results in a negative balance, and you may be hit with a steep overdraft fee up to $35 (sometimes per transaction). In fact, 43% of vulnerable households with checking accounts report having overdrafted in the past year, with 9.6 overdrafts on average, according to the 2021 FinHealth Spend Report. Below, CNBC Select outlines seven checking accounts with zero overdraft fees so that you can rest assured you won't be charged next time you make this common mistake.

So Select rounded up some personal loan lenders that offer expedient funding so you can cover large expenses in a pinch. This lender provides personal loans for just about every purpose except for higher education and small businesses. Funds are also generally disbursed quickly — 92.6% of personal loan applicants receive same-day funding if they sign their agreement before 7 p.m. Personal loan interest rates range from 4.99% to 17.99%. *Your LightStream loan terms, including APR, may differ based on loan purpose, amount, term length, and your credit profile.

☆ What are ETFs and should you invest in them?
▼ + stars: | 2021-09-18 | by ( Elizabeth Gravier | Jason Stauffer | ) www.cnbc.com time to read: +3 min

ETFs typically mimic a market index like the S&P 500. Should you invest in ETFs? Since ETFs offer built-in diversification and don't require large amounts of capital in order to invest in a range of stocks, they are a good way to get started. Some of the best $0 commission trading platforms include the below: TD AmeritradeAlly InvestE*TRADEVanguardCharles SchwabFidelity Though ETFs tracking the S&P 500 are some of the most popular, be aware that very few ETFs track the S&P 500 as a whole, rather just components of the index. Bottom lineYou don't have to be so hands-on in order to invest with ETFs, and investing in them is an easy way to get started in the market.

Affirm is one of the few buy now, pay later providers that offer consumers long-term financing options with a 0% APR. Since you don't pay interest on your Afterpay loan, you don't have to worry about not being refunded for interest. You'll be hit with an $8 fee, or 25% of your transaction, whichever is less, for each late payment. Available merchants Pay in 4 is available at millions of merchants through the app, but it's not accessible for merchants that aren't integrated with PayPal. Our methodologySelect focused on the following features when examining popular buy now, pay later providers: APR: Some BNPL loans charge interest while others do not.

If your credit score isn't great, you can still get approved as Avant looks at both your credit score and income. When determining eligibility for a loan, LendingPoint considers credit score, loan term, credit usage, loan amount and other factors. Personal loans are a form of installment credit, which affect both your credit report and your credit score. Student loans, personal loans and credit cards are all examples of unsecured loans. Our methodologyTo determine which personal loans are best for bad credit, CNBC Select analyzed dozens of U.S. personal loans offered by both online and brick-and-mortar banks, including large credit unions.

Persons: Will, it's, you'll, You'll, OneMain Financial's, LendingPoint, prequalify Organizations: CNBC, OneMain, AK, AR, DC, Social, CNBC Select's, Facebook, Twitter Locations: Alabama, California, Georgia, Ohio, Virginia, Carolina, Nevada, West Virginia

But the right online tax filing software can help you save time and money. Here are the best tax filing software programs for small business owners, so you can file your taxes before the deadline. Best tax filing software for small business ownersSubscribe to the Select Newsletter! However, you won’t incur a penalty if you don’t owe and instead have a tax refund coming. After reviewing the above features, we sorted our recommendations by best for overall tax filing, runner-up, free tax software, most affordable and best accuracy guarantee.

If you're looking to transfer your debt to a fixed-rate personal loan, Select reviewed dozens of personal loan lenders and chose the best five for refinancing debt. Here are the top five personal loans for refinancing your debt. Best personal loans to refinance your credit card debtCompare offers to find the best loanWhen searching for a personal loan, it can be helpful to compare several offers to help narrow down the best interest rate and payment terms to suit your needs. A late payment on your personal loan can hurt your credit score just like if you miss a credit card bill. Our methodologyTo determine which personal loans are the best for refinancing debt, Select analyzed dozens of U.S. personal loans offered by both online and brick-and-mortar banks, including large credit unions.

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