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☆ 3 questions that will help you decide where to save in today's high-rate environment
▼ + stars: | 2023-02-14 | by ( Jason Stauffer | Elizabeth Gravier | ) www.cnbc.com time to read: +7 min

And with so much uncertainty in the stock market and rising interest rates, it can feel more complicated than normal. Right now, high-yield savings accounts (such as the LendingClub High-Yield Savings account) and CDs are more appealing than they were a few years ago when rates were low. However, interest rates tend to have a bigger influence on short or mid-term planning, not long-term decisions. Wealthfront Learn More Minimum deposit and balance Minimum deposit and balance requirements may vary depending on the investment vehicle selected. For example, if you save $1,000 in a high-yield savings account at 4% interest you'd earn about $41 in a year.

☆ Can you get an ATM card for a savings account?
▼ + stars: | 2023-02-14 | by ( Ana Staples | Elizabeth Gravier | ) www.cnbc.com time to read: +14 min

While savings accounts typically don't offer a debit card, some come with an ATM card, making it easier for you to access cash from your savings when you need it. The Citi® Savings Account stands out for providing an ATM card even if you don't have a checking account with Citi. Having quick access to your savings with an ATM card can be convenient, but it's best not to make withdrawing money from your savings account a habit. Savings are an essential part of your financial well-being, and a savings account is meant to keep these funds intact. That's why unlike a checking account designed for daily spending, a savings account has features in place to prevent frequent withdrawals.

(See our methodology to see how we choose the car insurance companies for high-risk drivers.) Best car insurance for high-risk driversBest overall: State FarmState Farm Best for at-fault accidents: ErieErie Best for speeding tickets: GeicoGeico Best for DUI/DWI: ProgressiveProgressive Best for military members and veterans: USAASubscribe to the Select Newsletter! What's the best car insurance for high-risk drivers? Each car insurance company considers your risks differently and will price your car insurance premium accordingly. Our methodologyTo find the best insurance companies for high-risk drivers, CNBC Select looked at dozens of insurers offering coverage to high-risk drivers.

Black families face unique, racist barriers to creating wealth, from homeownership to business ownership, says Salene Hitchcock-Gear, president of individual life insurance at Prudential. To work towards closing the racial wealth gap and building generational wealth for Black Americans, it's important to understand what obstacles stand in the way. Black Americans face lower median credit scoresWhile the credit scoring system was created to take the bias out of lending, it's become yet another hurdle that prevents many Black Americans from building wealth. The bottom lineAfter many generations of being excluded from wealth-building, Black Americans still face a unique set of challenges stemming from racial discrimination. However, making homebuying and financial literacy more accessible could start to narrow the wide racial wealth gap in the US, and help Black families build generational wealth.

☆ Second jobs, moving in with family, investing: What we can learn from how millennials save for a down payment
▼ + stars: | 2023-02-08 | by ( Elizabeth Gravier | Jason Stauffer | ) www.cnbc.com time to read: +9 min

Plus, we give advice on where to stash your down payment cash and options for making a small down payment. Investing your down payment savings and neglecting your bills can backfire Growing your down payment savings by investing may seem like a good idea since annual returns can be much higher than you would earn in a bank account. Bask Bank Interest Savings Account Learn More Bask Bank and BankDirect are divisions of Texas Capital Bank, Member FDIC. Keep in mind that the APY on a savings account is variable, meaning it can change at any moment. Take advantage while rates are high and open a high-yield savings account or CD.

If you only need to file a simple tax return or meet certain income requirements, you can file your taxes for free, using programs sponsored by the IRS or online tax software. Use IRS Free FileIRS Free File is a free online service for filing taxes designed by the IRS. Roughly 70% of Americans were eligible to use IRS Free File last year, but only 2% actually used it. It also won't work for you if you have business or self-employment income, income from rental property or stock sales, or unemployment income. Or, if you prefer a free tax software with no paid upgrades at all, consider Cash App Taxes (formerly known as Credit Karma Tax).

(Some partners also offer free state filing.) This is an opportunity many people overlook: About 70% of Americans qualified for IRS Free File in 2022, according to the Taxpayer Advocate,, but only 2% actually used it. Even if you meet the income requirements, Free File might not have the forms you need. If you don't meet the income requirement for Free File, you can still use the site's fillable forms. Bottom lineThere are lots of ways to file your taxes for free, whether that's with the IRS or a commercial tax software company.

Persons: TurboTax, Read, There's, isn't Organizations: CNBC Select's, Read CNBC, IRS, Social Security, Child Tax, Elderly, AARP, Department of Defense, CNBC, Facebook, Twitter Locations: Mobile, Arizona , California, Florida , Massachusetts, Nevada , New Hampshire , New York, South Dakota , Tennessee , Texas, Washington and Wyoming

Below, they weigh in on today's tipping culture, who gets a gratuity and how much. Dr. Peters adds that tipped employees may also include most front-of-house restaurant employees, bellhops, parking attendants, airport service workers and food delivery workers. most restaurants), consider using the Capital One Savor Cash Rewards Credit Card. Capital One Savor Cash Rewards Credit Card Learn More Information about the Capital One Savor Cash Rewards Credit Card has been collected independently by Select and has not been reviewed or provided by the issuer of the card prior to publication. And when it comes to using delivery services, consider a card that gives cardholders money they can use to tip delivery workers.

Add to that mix the classic 60/40 portfolio model — a standard investing benchmark — that helps investors achieve that last point. Below, CNBC Select spoke to two financial professionals about how novices can put a 60/40 portfolio strategy in action. Once you're ready to invest, here are four simple ways to start putting money into a 60/40 portfolio. Vanguard Learn More Minimum deposit and balance Minimum deposit and balance requirements may vary depending on the investment vehicle selected. Wealthfront Learn More Minimum deposit and balance Minimum deposit and balance requirements may vary depending on the investment vehicle selected.

During the pandemic, mortgage rates plummeted below 3%, flooding the real estate market with homebuyers trying to snag a good rate. "Mortgage rates have trended down in the past couple of months," he says. So... [for] someone waiting for a 3% or 4% mortgage rate, it's not going to happen." For example, Rocket Mortgage is currently offering a mortgage rate buydown program called Inflation Buster. Evaluate whether you're buying for the right reasons and determine if you and your budget are ready for this important milestone.

Here's what credit score you'll need to qualify for the various Delta SkyMiles American Express cards. Small business owners have three Delta SkyMiles cards to choose from: Delta SkyMiles® Reserve Business American Express Card, Delta SkyMiles® Platinum Business American Express Card and the Delta SkyMiles® Gold Business American Express Card. Luckily, the business and personal Delta cards are considered separate products so if you had the Delta SkyMiles® Platinum American Express Card, for example, you'd still be able to earn the welcome bonus with the Delta SkyMiles® Platinum Business American Express Card. Bottom lineTo qualify for an Delta SkyMiles American Express card, you'll probably need a FICO® score of 670 or higher. For rates and fees of the Delta SkyMiles® Blue American Express Card card, click here.

The Capital One Spark Travel Elite, a premium travel business card, will be joining the Venture cards and getting a new name: the Capital One Venture X Business. Capital One Venture X Business benefitsThe Capital One Venture X Business will be a premium metal card with a new design. Here are some key features of the card: The Venture X Business is a charge card. Alternatively, you can look into the Capital One Venture X Rewards Credit Card. Capital One Venture X Rewards Credit Card Learn More Information about the Capital One Venture X Rewards Credit Card has been collected independently by Select and has not been reviewed or provided by the issuer of the card prior to publication.

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.

On other pages, they said he memorialized in writing some of his experiences or thoughts as vice president at the time. The number of notebooks Biden kept is large, according to the person familiar with the investigation, but they did not know the precise number. Trump and Biden’s possession of classified documents is the subject of separate special counsel investigations. Attorney General Merrick Garland has so far not named a special counsel to investigate Pence’s handling of classified documents. On Friday, Pence apologized for having classified documents in his possession and said he takes full responsibility for it.

☆ 3 strategies to help give your finances a much-needed reboot this year, according to a financial expert
▼ + stars: | 2023-01-26 | by ( Christine Mui | Jason Stauffer | ) www.cnbc.com time to read: +10 min

Welcome back to Money Made Easy, where we focus on simple ways to manage your finances and save money. Plus, qualified borrowers can apply for up to $100,000, and this lender doesn't charge an origination fee, early payoff fee, or late fee. For short-term financial goals, high-yield savings accounts can help you grow your money by earning a much better return than a traditional savings account. Automating your transfers to a savings account can help this process, making it easier and helping you know that you're continuously growing your account. Find the best savings account for you: Help your money grow by finding the savings account that offers the best rates and features for you.

☆ With mortgage rates dropping and fee changes in the pipeline, now may be the time to buy that home
▼ + stars: | 2023-01-23 | by ( Jason Stauffer | Benji Stawski | ) www.cnbc.com time to read: +7 min

Is now a good time to lock-in your mortgage rate? As long as the Federal Funds rate stays high, so will mortgage rates. Today's 30-year mortgage rates are currently 0.93% lower than they were last fall, when rates hit 7.08%. The upcoming FHFA fee changes affect conforming conventional loans, which can be sold to Fannie Mae or Freddie Mac by lenders. The future fee changes will add an additional layer of complexity to a process that already causes heads to spin.

Here's how the Capital One Venture Rewards Credit Card stacks up against the Capital One Venture X. Capital One Venture Rewards Credit Card vs. Capital One Venture X Rewards Credit CardCapital One Venture Rewards Credit Card Learn More Information about the Capital One Venture Rewards Credit Card has been collected independently by Select and has not been reviewed or provided by the issuer of the card prior to publication. Capital One Venture X Rewards Credit Card Learn More Information about the Capital One Venture X Rewards Credit Card has been collected independently by Select and has not been reviewed or provided by the issuer of the card prior to publication. Annual feeThe Capital One Venture Rewards Credit Card has a $95 annual fee while the Capital One Venture X comes in at $395. Capital One Venture Rewards vs. Capital One Venture X Benefits Capital One Venture Rewards Capital One Venture X Annual Fee $95 $395 Rewards 2X miles on every purchase, 5X miles on hotels and rental cars booked through Capital One Travel, and 5X miles on Turo bookings through May 16, 2023.

☆ Jury convicts Kansas man of threatening to kill congressman
▼ + stars: | 2023-01-20 | by ( The Associated Press | ) www.nbcnews.com time to read: +5 min

Jurors found Chase Neill, 32, of Lawrence, guilty of a single count of threatening a U.S. government official. The judge had Neill give his testimony Thursday as a narrative from the witness stand because he was representing himself. Neill admitted in court that he left the June 5 voicemail and others with more death threats the next day. Hunting told jurors that it was reasonable for LaTurner and his staff to take Neill’s words seriously as threats. “I’m really trying to explain how I interact with God, and it’s a difficult explanation,” Neill told jurors during his testimony Thursday.

To combat the issue of employees forgetting their old 401(k) accounts, Capitalize finds your old account(s) and coordinates the IRA rollover for you. If you indicate that you don't already have an IRA, Capitalize will walk you through opening one. While Capitalize can help you roll your old 401(k)s into a new IRA or an existing IRA, the platform can't help you roll your old account into your current employer's 401(k) account. Bottom lineOverall, Capitalize provides an accessible way for finding old 401(k) accounts and rolling them into an IRA. The platform's features account for some common hang-ups when it comes to 401(k) management, such as not knowing who holds their old 401(k) account or not having an IRA account to serve as a destination for the old 401(k) account's funds.

You can also get a rewards credit card to get cash back or travel miles on everything you buy. Capital One Venture Rewards Credit Card Learn More Information about the Capital One Venture Rewards Credit Card has been collected independently by Select and has not been reviewed or provided by the issuer of the card prior to publication. The Capital One Venture X Rewards Credit Card is one of the more affordable cards in this category. Capital One Venture X Rewards Credit Card Learn More Information about the Capital One Venture X Rewards Credit Card has been collected independently by Select and has not been reviewed or provided by the issuer of the card prior to publication. There are many types of coverage you can get with credit card travel insurance.

On the bright side, the very same rate hikes have resulted in much higher yields on savings accounts. How to pick between high-yield savings accounts and CDsHigh-yield savings accounts High-yield savings accounts grant you the advantages of accessibility and liquidity. When it makes sense, you can always combine high-yield savings accounts and CDs to maximize your down payment saving strategy. You get the best of both worlds — the flexibility of a high-yield savings account and the security of a CD. Fortunately, savings rates have also increased, making it a little easier to save for a down payment.

Most personal loan lenders give you up to five years to repay the balance. CNBC Select rounded up six of the best personal loan lenders that offer longer loan terms. Not all personal loan lenders allow co-applicants but SoFi does — especially for those who are DACA recipients. A long-term personal loan is simply a personal loan that offers a longer amount of time to repay the loan balance. Common personal loan definitions you should knowHere are some common personal loan terms you need to know before applying.

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