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Dow Jones - 10 Latasha Jordan ’ - 2 Victor J - 1 Retailers aren’t - 1 Imani Moise - 1 Whalen - 1
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Search resuls for: "Imani Moise"


25 mentions found


☆ Black Friday Spending Was Strong. How People Pay for Gifts Is Upending Retailers.
  + stars: | 2023-11-26 | by ( Suzanne Kapner | Imani Moise | ) www.wsj.com   time to read: 1 min
More shoppers visited stores on Black Friday compared with last year. Photo: Victor J. Blue/Bloomberg NewsRetailers aren’t just having trouble getting shoppers to buy sweaters and other holiday items this season. Store credit cards are also a tougher sell. But the stream is drying up as Americans carry fewer cards and increasingly finance purchases with buy now, pay later providers. Interest rates surpassing 30% on some retailers’ credit cards aren’t helping, according to analysts.
Persons: Victor J, Retailers aren’t Organizations: Bloomberg, Retailers
☆ There’s a Reason a Killer Money-Saving App Still Doesn’t Exist
  + stars: | 2023-11-16 | by ( Imani Moise | ) www.wsj.com   time to read: 1 min
There is a hard truth about the business of personal finance: It’s pretty tough to make money helping people spend less money. When Intuit shuts the budgeting app Mint down on Jan 1., it will join a packed graveyard of startups that tried and failed to cash in on financial responsibility. The problem with budgeting apps, it turns out, is that few people really want help with their budgets and even fewer are willing to pay for it.
Organizations: Intuit
☆ Want to Stick to a Budget? Grab a Pencil
  + stars: | 2023-10-25 | by ( Imani Moise | ) www.wsj.com   time to read: 1 min
Latasha Jordan ’s favorite budgeting tool is a blank sheet of paper. The 39-year-old from Durham, N.C., folds the page into three sections twice, an act of organizational origami she refined over the past decade. The folds create enough boxes to fill in nine months of income, expenses, debt and savings by hand. A budgeting app could save her hours and effort, but she insists that the drudgery of doing it herself is what makes it actually work.
Persons: Latasha Jordan ’ Locations: Durham, N.C
☆ This Is How to Make a Budget You’ll Actually Stick With
  + stars: | 2023-10-25 | by ( Imani Moise | ) www.wsj.com   time to read: 1 min
Latasha Jordan ’s favorite budgeting tool is a blank sheet of paper. The 39-year-old from Durham, N.C., folds the page into three sections twice, an act of organizational origami she refined over the past decade. The folds create enough boxes to fill in nine months of income, expenses, debt and savings by hand. A budgeting app could save her hours and effort, but she insists that the drudgery of doing it herself is what makes it actually work.
Persons: Latasha Jordan ’ Locations: Durham, N.C
☆ Autopay Is Making Us Worse at Managing Credit-Card Bills
  + stars: | 2023-10-08 | by ( Imani Moise | ) www.wsj.com   time to read: 1 min
This copy is for your personal, non-commercial use only. Distribution and use of this material are governed by our Subscriber Agreement and by copyright law. For non-personal use or to order multiple copies, please contact Dow Jones Reprints at 1-800-843-0008 or visit www.djreprints.com. https://www.wsj.com/personal-finance/autopay-money-management-credit-cards-c546b62c
Persons: Dow Jones
☆ How to Borrow Money in a High-Rate World
  + stars: | 2023-09-20 | by ( Imani Moise | ) www.wsj.com   time to read: 1 min
This copy is for your personal, non-commercial use only. Distribution and use of this material are governed by our Subscriber Agreement and by copyright law. For non-personal use or to order multiple copies, please contact Dow Jones Reprints at 1-800-843-0008 or visit www.djreprints.com. https://www.wsj.com/personal-finance/borrowing-money-loans-expenses-interest-rates-bc3b345a
Persons: Dow Jones
☆ Beware of the Credit-Line Increases Banks Are Doling Out
  + stars: | 2023-09-08 | by ( Imani Moise | ) www.wsj.com   time to read: 1 min
This copy is for your personal, non-commercial use only. Distribution and use of this material are governed by our Subscriber Agreement and by copyright law. For non-personal use or to order multiple copies, please contact Dow Jones Reprints at 1-800-843-0008 or visit www.djreprints.com. https://www.wsj.com/personal-finance/credit-card-debt-spending-limits-cc050cbd
Persons: Dow Jones
☆ Credit-Card Debt Is Rising. What’s Behind Your Higher Bills?
  + stars: | 2023-08-29 | by ( Imani Moise | ) www.wsj.com   time to read: 1 min
This copy is for your personal, non-commercial use only. Distribution and use of this material are governed by our Subscriber Agreement and by copyright law. For non-personal use or to order multiple copies, please contact Dow Jones Reprints at 1-800-843-0008 or visit www.djreprints.com. https://www.wsj.com/personal-finance/credit-card-debt-interest-rates-money-fd1e65f7
Persons: Dow Jones
☆ What’s Behind $1 Trillion in Credit-Card Balances?
  + stars: | 2023-08-29 | by ( Imani Moise | ) www.wsj.com   time to read: 1 min
This copy is for your personal, non-commercial use only. Distribution and use of this material are governed by our Subscriber Agreement and by copyright law. For non-personal use or to order multiple copies, please contact Dow Jones Reprints at 1-800-843-0008 or visit www.djreprints.com. https://www.wsj.com/personal-finance/credit-card-debt-interest-rates-money-fd1e65f7
Persons: Dow Jones
☆ Credit Card, PayPal or Cash App? How You Pay Matters
  + stars: | 2023-08-08 | by ( Imani Moise | ) www.wsj.com   time to read: 1 min
This copy is for your personal, non-commercial use only. Distribution and use of this material are governed by our Subscriber Agreement and by copyright law. For non-personal use or to order multiple copies, please contact Dow Jones Reprints at 1-800-843-0008 or visit www.djreprints.com. https://www.wsj.com/articles/credit-card-payment-app-fraud-security-3188221b
Persons: Dow Jones
☆ Why You Shouldn’t Check Your 401(k) During a Bull Market
  + stars: | 2023-07-06 | by ( Wall Street Journal | ) www.wsj.com   time to read: 1 min
Why Your Bank Wants to Know How Much You Make Banks are sending out more requests to customers for their annual salary information. WSJ personal-finance reporter Imani Moise joins host J.R. Whalen to discuss why, and whether customers are obligated to reveal their earnings.
Persons: Imani Moise, Whalen
☆ Where Affirmative Action Succeeded—and Where It Fell Short
  + stars: | 2023-07-02 | by ( Imani Moise | Isaac Yu | Erin Mulvaney | ) www.wsj.com   time to read: 1 min
This copy is for your personal, non-commercial use only. Distribution and use of this material are governed by our Subscriber Agreement and by copyright law. For non-personal use or to order multiple copies, please contact Dow Jones Reprints at 1-800-843-0008 or visit www.djreprints.com. https://www.wsj.com/articles/where-affirmative-action-succeededand-where-it-fell-short-31a8c84f
Persons: Dow Jones
☆ Why You Shouldn’t Always Tell Your Bank How Much You Make
  + stars: | 2023-06-22 | by ( Imani Moise | ) www.wsj.com   time to read: 1 min
This copy is for your personal, non-commercial use only. Distribution and use of this material are governed by our Subscriber Agreement and by copyright law. For non-personal use or to order multiple copies, please contact Dow Jones Reprints at 1-800-843-0008 or visit www.djreprints.com. https://www.wsj.com/articles/credit-card-salary-income-money-112c089a
Persons: Dow Jones
☆ The Software Slyly Turning Us Into Bigger Tippers
  + stars: | 2023-06-04 | by ( Imani Moise | ) www.wsj.com   time to read: 1 min
This copy is for your personal, non-commercial use only. Distribution and use of this material are governed by our Subscriber Agreement and by copyright law. For non-personal use or to order multiple copies, please contact Dow Jones Reprints at 1-800-843-0008 or visit www.djreprints.com. https://www.wsj.com/articles/tipping-point-of-sale-software-bfd7ac3e
Persons: Dow Jones
☆ Those iPad Screens Are Getting Us to Tip More—Way More
  + stars: | 2023-06-04 | by ( Imani Moise | ) www.wsj.com   time to read: 1 min
This copy is for your personal, non-commercial use only. Distribution and use of this material are governed by our Subscriber Agreement and by copyright law. For non-personal use or to order multiple copies, please contact Dow Jones Reprints at 1-800-843-0008 or visit www.djreprints.com. https://www.wsj.com/articles/tipping-point-of-sale-software-bfd7ac3e
Persons: Dow Jones
☆ Rejected for a Buy Now, Pay Later Plan? It Might Not Be Your Fault
  + stars: | 2023-05-08 | by ( Imani Moise | ) www.wsj.com   time to read: 1 min
Klarna and similar services let shoppers split the cost of purchases into four or more payments, often for little to no interest. Photo: Daniel Harvey Gonzalez/In Pictures via Getty ImagesSome users of buy now, pay later apps might face something new when they try to use the payment method: rejection. Higher interest rates and recession concerns are challenging the business model behind services such as Affirm , Klarna and Sezzle , which say they are tightening credit standards to focus on making a profit, rather than growth. Some customers say they have been caught off guard by unexpected denials or lower spending limits when they try to make purchases.
☆ Some Buy Now Pay Later Users Face Rejection
  + stars: | 2023-05-08 | by ( Imani Moise | ) www.wsj.com   time to read: 1 min
Klarna and similar services let shoppers split the cost of purchases into four or more payments, often for little to no interest. Photo: Daniel Harvey Gonzalez/In Pictures via Getty ImagesSome users of buy now, pay later apps might face something new when they try to use the payment method: rejection. Higher interest rates and recession concerns are challenging the business model behind services such as Affirm , Klarna and Sezzle , which say they are tightening credit standards to focus on making a profit, rather than growth. Some customers say they have been caught off guard by unexpected denials or lower spending limits when they try to make purchases.
☆ Chase Just Bought Your Bank: What First Republic Bank Customers Need to Know
  + stars: | 2023-05-01 | by ( Imani Moise | Oyin Adedoyin | ) www.wsj.com   time to read: 1 min
First Republic Bank branches opened as normal and accounts were accessible Monday morning. Photo: Luiz C. Ribeiro/Zuma PressFirst Republic Bank customers are now JPMorgan Chase & Co. customers after the banks and government officials announced a takeover deal early Monday morning. “You and your assets are now backed by the fortress balance sheet of JPMorgan Chase, and all of your deposits are protected,” JPMorgan told customers in a statement on First Republic’s website Monday.
☆ Return on I Bonds Drops to 4.3%, but They May Now Be a Better Long-Term Investment
  + stars: | 2023-04-28 | by ( Imani Moise | ) www.wsj.com   time to read: 1 min
There’s an investment that’s 100% backed by the U.S. government, never loses its value and is paying more than 7% interest a year. So, why haven’t most Americans heard of Series I Savings Bonds? Photo: TNS/Zuma PressThe interest rate on I bonds is 4.3%, down from 6.89%, the Treasury Department said Friday. This rate will apply to I bonds purchased now and for the next six months. Preview SubscribeThough the new rate is less than half the 9.62% offered last year, when the inflation-adjusted savings became so popular investors crashed Treasury’s website, financial advisers say they may now be a better bet for the long term.
☆ Apple’s New Savings Account Is Convenient. Is That a Good Thing?
  + stars: | 2023-04-26 | by ( Imani Moise | ) www.wsj.com   time to read: 1 min
Apple Inc. turned millions of iPhones into piggy banks with the launch of its new high-yield savings accounts. The savings account is unusual in another way, too: It is attached to Apple Card, a credit card. Savings accounts and credit cards are usually kept separate. In traditional wallets, debit and credit cards keep spending accounts at your fingertips, but it is rare to have similar access to savings on the go. The allure of putting them together is the ability to seamlessly transfer money between them and more easily use savings money to pay off debt.
☆ People Are Sick and Tired of All Their Subscriptions
  + stars: | 2023-04-12 | by ( Rachel Wolfe | Imani Moise | ) www.wsj.com   time to read: 1 min
This copy is for your personal, non-commercial use only. Distribution and use of this material are governed by our Subscriber Agreement and by copyright law. For non-personal use or to order multiple copies, please contact Dow Jones Reprints at 1-800-843-0008 or visit www.djreprints.com. https://www.wsj.com/articles/people-are-sick-and-tired-of-all-their-subscriptions-cbee7e03
☆ Why Brokerage Accounts Are So Generous Right Now
  + stars: | 2023-04-06 | by ( Imani Moise | ) www.wsj.com   time to read: 1 min
Photo: Go Nakamura for The Wall Street JournalFidelity Investments said customers can have up to $5 million of cash covered by Federal Deposit Insurance Corp. insurance. Some brokerages are beating traditional banks on returns and account protection, just as lots of people are wondering about the best place to keep their money. Robo adviser Betterment LLC has doubled the amount of Federal Deposit Insurance Corp. coverage it offers to customers to $2 million and rival Wealthfront also upped its coverage by $1 million to $3 million. Robinhood Markets Inc. said it could provide customers with up to $1.5 million in insured deposits. They are all also offering returns of at least 4% on certain accounts.
☆ How to Protect Your Money From a Bank Collapse
  + stars: | 2023-03-13 | by ( Imani Moise | ) www.wsj.com   time to read: 1 min
Skittish savers can protect their deposits in many different ways if they are uneasy about the safety of their money after the failure of Silicon Valley Bank. Federal authorities rescued SVB ’s customers Sunday, guaranteeing all deposits including those in excess of the $250,000 limit normally covered by the Federal Deposit Insurance Corp., or FDIC.
☆ How To Protect Your Money From a Bank Collapse
  + stars: | 2023-03-13 | by ( Imani Moise | ) www.wsj.com   time to read: 1 min
Skittish savers can protect their deposits in many different ways if they are uneasy about the safety of their money after the failure of Silicon Valley Bank. Federal authorities rescued SVB ’s customers Sunday, guaranteeing all deposits including those in excess of the $250,000 limit normally covered by the Federal Deposit Insurance Corp., or FDIC.
☆ 20 Seconds That Can Break Bad Money Habits
  + stars: | 2023-03-02 | by ( Imani Moise | ) www.wsj.com   time to read: 1 min
To break the day-trading habit that cost him money, friendships and sleep, crypto fund manager Thomas Meenik first tried meditation and cycling. They proved no substitute for the high he got scrolling through investing forums, he said. He installed software that imposed a 20-second delay whenever he tried to open CoinStats or Tradeweb . Twenty seconds might not seem like much, but feels excruciating in smartphone time, he said. As a result, he checks his accounts 60% less.
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