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SKIP AHEAD What are Grace & Stella Under-Eye Masks? | How I use the Grace & Stella Under-Eye Masks | Why I love the Grace & Stella Under-Eye Masks | The bottom line | Why trust NBC SelectWhat are the Grace & Stella Under-Eye Masks? Beyond the formulas and the mask colors, each type of Grace & Stella under-eye patch is identical. I’ve used all four types of Grace & Stella eye masks, and I don’t notice a difference between them. With that said, I find all Grace & Stella eye masks equally hydrating, so I’m not picky about which type I use from day to day.

Persons: I’m, Grace, Stella, they’re, They’re, moisturizing, Zoe Malin I’ve, I’ll, Stella’s, Zoe Malin, I’ve, Peter Thomas Roth, it’s, TikTok Organizations: NBC, Stella’s, Facebook, Twitter Locations: hydrogel, Iceland

I grew up working class and learned good work ethic from my parents. The novelty of cap erasers and Airheads from the school store wore off fast, and money didn't have much luster. In our part of Wisconsin, with its German roots and farm families, work ethic is our moral code. What 'good work ethic' means for your financesBecause it's in my DNA, I can't help but see a strong work ethic as a virtue. What I wish I'd learned about money earlierI'll always be grateful for the work ethic I learned from my parents ... and I wish I'd gotten the nuances of money a bit earlier in life.

Persons: —, didn't, I'd, you've, I'm, fritz, it's, I've Organizations: Service, Quicken Locations: Midwest, Wisconsin

While FICO has deprioritized medical debt in credit score calculations, VantageScore removed medical debt from its calculations. The CFPB announced rulemaking to address the reporting of medical bills on credit reports that would require the credit bureaus to stop reporting medical bills entirely. How medical bills can affect your creditIn the past, credit bureaus would report medical debt the same as any other overdue bills, and could cause your credit score to drop. Protecting your credit from medical billsWhile unpaid medical debt doesn't have the same impact on your credit score as an unpaid credit card bill, it can impact your credit nonetheless. Consider medical credit cards or loansInstead of a traditional credit card, consider a medical credit card or loan.

Persons: FICO, rulemaking, doesn't, —, Experian, VantageScore, Biden, Tiffany Cross, Rick Eicheldinger, You'll, Cross Organizations: Consumer Financial Protection Bureau, CFPB Locations: United States, U.S

☆ Amazon drivers are poised to get a 7% pay rise after they started to think about unionizing
▼ + stars: | 2024-09-13 | by ( Beatrice Nolan | ) www.businessinsider.com time to read: +2 min

Read previewAmazon is spending $2.1 billion on its delivery service network — including pay increases — following renewed unionization efforts among delivery workers. Out of the $2.1 billion investment, Amazon said it will allocate $660 million toward "rate card increases and bonuses." Related storiesAmazon's delivery drivers are hired by third-party courier companies known as Delivery Service Partners, or DSPs. Amazon has said it doesn't dictate pay and can only decide what the minimum pay for drivers is. Drivers had been in disagreement with the company over whether Amazon bears any legal responsibility to its delivery drivers.

Persons: — Organizations: Service, Business, Amazon, Partners, National Labor Relations, NLRB, Drivers, International Brotherhood of Teamsters

☆ 2 things millennials tend to spend way too much money on, according to financial planners
▼ + stars: | 2024-09-13 | by ( Business Insider | Stephanie Hallett | ) www.businessinsider.com time to read: +5 min

Financial planners say millennials have a few not-so-great spending habits. According to financial planners, there are two things millennials overspend on way too often. AdvertisementFinancial planners say it's OK to spend your money on these things, but it becomes a problem when it doesn't fit into your budget or you're not meeting your financial goals. "I think most people, not just millennials, don't really have a budget and don't know how much they spend. This will help you figure out your discretionary spending budget once you've covered your priorities.

Persons: —, they've, Clari Nolet, Hewins, millennials, Nolet, doesn't, Asad Gourani, you've, lattes, Gourani Organizations: Service, AG Wealth Management

☆ 'Shark Tank' star Kevin O'Leary warns couples not to combine finances: 'I don't care how in love you are'
▼ + stars: | 2024-09-13 | by ( Theron Mohamed | ) www.businessinsider.com time to read: +1 min

Kevin O'Leary says couples shouldn't combine their finances. Maintaining a financial identity is vital in case of break up or death, the "Shark Tank" star says. Go to newsletter preferences Thanks for signing up! But if they break up, joint accounts can be a knotty mess to untangle and might leave them high and dry in the credit-driven US economy, Kevin O'Leary says. "What I tell everybody to do in a relationship is have your own account, your own credit card, never merge your finances together," the "Shark Tank" star said in a Fox News clip posted to his Instagram on Wednesday.

Persons: Kevin O'Leary, O'Leary, —, they're Organizations: Service, Fox, Business

☆ Special needs trusts bring peace of mind to aging parents
▼ + stars: | 2024-09-13 | by ( Hannah Frances Johansson | ) edition.cnn.com time to read: +17 min

Because of her disability, Rachel doesn’t work. The SNT is in place to pay for unmet needs and enhance his quality of life after his parents die. Unlike SNTs, ABLE accounts can be owned and accessed directly by the person with the disability. However, like first-party SNTs, ABLE accounts may be subject to Medicaid payback after the individual with a disability dies. Like her mother, Rachel Tung has a love for San Francisco, its arts and its culture.

Persons: Linda Tung, Rachel, Tung, Tung’s, Rachel doesn’t, we’re, ” Tung, “, David Goldfarb, ” Goldfarb, they’re, ”, Stephen Dale, Amin Muhammad Amy Tessler, Scott, ” Tessler, Tessler, ” Dale, You’re, Goldfarb, ” Hall, Dale, Sabrina Padillo, —, Padillo, she’s, ” Padillo, fiduciaries, “ We’re, Tesslers, Scott ., SNTs, “ I’ve, Alisa Ferguson, Virginia’s, haven’t, ” Ferguson, Rachel’s, Rachel Tung, “ She’s, Amin Muhammad Mother, “ I’m, ” Rachel, … Everything’s, Hannah Frances Johansson, Amin Muhammad Organizations: Berkeley , California CNN, Population, Mercy, Hall Law Firm, Lawyers, Dale Law, Children, Housing, The Dale Law Firm, Services, San, Rehabilitation Care, Golden State, Trust, Alliance, Legion, de, Academy of Sciences, University of California, Graduate School of Journalism Locations: Berkeley , California, San, Golden, “, San Francisco, Dale, Pacheco , California, Sunflower, California’s East Bay, Oakland, Sunflower Hill, San Diego, Thailand, Berkeley, Santa Cruz, de Young, Castro

The bottom line: You may like First Internet Bank of Indiana if you are comfortable with an online-only banking experience. Compare First Internet Bank of Indiana products First Internet Bank of Indiana Free Savings AccountFirst Internet Bank of Indiana Free Checking AccountFirst Internet Bank of Indiana CDFirst Internet Bank of Indiana Money Market Account Chevron icon It indicates an expandable section or menu, or sometimes previous / next navigation options. How First Internet Bank of Indiana worksFirst Internet Bank of Indiana is an online bank with no physical branches. First Internet Bank of Indiana trustworthiness and BBB ratingFirst Internet Bank of Indiana does not have any public controversies. How First Internet Bank of Indiana comparesWe've compared First Internet Bank of Indiana to two other online banks: Ally Bank and Discover® Bank (FDIC Insured) .

Persons: It's, We've, Ally, You'll Organizations: First, Bank of Indiana, Bank of Indiana Free Savings, Internet Bank of Indiana, Market, First Internet Bank of Indiana's, Bank of Indiana Free, Internet Bank of Indiana Free Savings, FDIC, Plus Alliance, Network, First Internet Bank of Indiana, Alliance, Apple, Google, Internet Bank, Indiana, Better, Bank of, Ally Bank, Discover ® Bank, Discover Locations: Chevron, Bank of Indiana

☆ Don't expect 'immediate relief' from the Federal Reserve's first rate cut in years, economist says. Here's why
▼ + stars: | 2024-09-13 | by ( Jessica Dickler | ) www.cnbc.com time to read: +4 min

The federal funds rate, which the U.S. central bank sets, is the rate at which banks borrow and lend to one another overnight. Home loan rates have already started to fall, largely due to the prospect of a Fed-induced economic slowdown. Student loansFederal student loan rates are also fixed, so most borrowers won't be immediately affected by a rate cut. Eventually, borrowers with existing variable-rate private student loans may also be able to refinance into a less expensive fixed-rate loan, according to higher education expert Mark Kantrowitz. However, refinancing a federal loan into a private student loan will forgo the safety nets that come with federal loans, he said, "such as deferments, forbearances, income-driven repayment and loan forgiveness and discharge options."

Persons: that's, McBride, Jacob Channel, it's, Matt Schulz, Bankrate's McBride, Mark Kantrowitz Organizations: Treasury, Mortgage, Association, Auto, Consumers Locations: U.S

As a frequent traveler, I get a lot of value out of reaching elite status with Delta. Maximizing my points and miles with my travel credit card means I can travel more. You can earn $1 MQD per $1 spent on Delta flights, but you can earn more with a Delta credit card. Rewards Credit Cards The best rewards credit cards can be a great way to earn cash back or travel rewards on your everyday purchases. Popular cards include the Chase Sapphire Preferred card and the Bank of America Travel Rewards card.

Persons: —, we're, I've, Felipe Carrillo Organizations: Delta, Service, Diamond, Delta Medallion, American Express, Delta Sky Club, Delta Reserve, Chase, Bank of America, Felipe Carrillo Puerto Airport Locations: Tulum, New Zealand, Delta, New York, Hawaii, Yucatan

Low-income families who are robbed of their grocery funds may no longer get reimbursed if Congress doesn’t act by Sept. 30. Since late 2022, states have been authorized to use federal dollars to pay back victims of SNAP skimming thanks to a provision passed by lawmakers. Dutch Ruppersberger, D-Md., who has advocated on behalf of SNAP skimming victims for years. “It’s frustrating and, frankly, very confusing that they don’t view this as a priority.”Despite the directive expiring, SNAP skimming continues to be a pervasive problem. Sen. Ron Wyden, D-Ore., proposed a bill in March that would require chip-enabled SNAP EBT cards and other safeguards, but the bill has yet to advance.

Persons: ”, “, Ruppersberger, Biden, Sen, Ron Wyden, ” Wyden, Daniel Acker, Cindy Long, ” Long, Ashley Burnside, ” Gina, Gina, Vicky Negus, Negus, ” Negus, “ It’s Organizations: Assistance, SNAP, U.S . Agriculture Department, C.A, state’s Department of Social Services, Oklahoma Human Services, Bloomberg, Getty, NBC News, USDA, for Law, Social, “ SNAP, Reform Institute, American, Human Services Association Locations: California, Oklahoma, Boston, Massachusetts, Washington ,

☆ I visited an American Express Centurion Lounge for the first time and realized I've been missing out
▼ + stars: | 2024-09-12 | by ( Taylor Rains | ) www.businessinsider.com time to read: +1 min

American Express pioneered credit-card-branded airport lounges and has dozens of global locations. I visited an AmEx Centurion Lounge for the first time, and it was easy to see why people love them. Go to newsletter preferences Thanks for signing up! download the app Email address Sign up By clicking “Sign Up”, you accept our Terms of Service and Privacy Policy . AdvertisementAmerican Express pioneered credit-card-branded airport lounges over a decade ago with its first-ever Centurion Lounge in Las Vegas.

Persons: — Organizations: American Express, Service, Business Locations: Las Vegas

☆ The world’s best airline rewards programs, according to Point.me
▼ + stars: | 2024-09-12 | by ( Marnie Hunter | ) edition.cnn.com time to read: +6 min

CNN —Having trouble navigating the complicated, often frustrating, world of airline loyalty programs? 1 airline rewards program, according to the rankings. Last week, the US Department of Transportation announced a consumer protection probe into US airlines’ loyalty programs. World’s top 10 airline rewards programsHere are the top 10 programs globally and their scores on a 100-point scale, according to Point.me’s analysis:1. SeongJoon Cho/Bloomberg/Getty ImagesNorth America’s top 10 airline rewards programsHere are the top 10 programs in North America and their scores on a 100-point scale, according to Point.me’s analysis:1.

Persons: CNN —, ”, Tiffany Funk, Point.me, Canada’s Aeroplan, Funk, Delta, Avianca, they’re, ” Funk, SeongJoon Cho, Allegiant Organizations: CNN, Air France, KLM, Air, United, ” United Airlines, Virgin Atlantic, British Airways, JetBlue, Delta Air Lines, Delta, North, Canada’s, Qatar Airways Privilege, Cathay Pacific, Singapore Airlines KrisFlyer, US Department of Transportation, American Airlines, Southwest Airlines, United Airlines, Air Canada, British Airways Executive, Virgin Atlantic Flying, Alaska Airlines, JetBlue TrueBlue, Bloomberg, Getty, Southwest Airlines Rapid, Airlines, Spirit Airlines, Qatar Airways, Cathay Locations: Alaska, Latin America, East, Africa, Cathay Pacific Asia Miles, Asia, Pacific, Air France, North America, Europe, Middle East, Oceania

☆ Why credit card fraud alerts are rising, and how worried you should be about them
▼ + stars: | 2024-09-12 | by ( Michelle Castillo | ) www.cnbc.com time to read: +2 min

The rate of fraud alerts is "absolutely" going up, according to Deloitte U.S. risk & financial advisory principal Satish Lalchand. About 60% of credit card holders in 2023 experienced some sort of attempted fraud, according to Experian. "Fraud in general across all channels, whether it's check fraud, credit card fraud payments, the peer-to-peer payments, everything, is significantly increasing at a very rapid pace," Lalchand said. It has forecast a persistent threat that could reach nearly $400 billion in card fraud in the decade to 2032. "When we come down to credit cards, financial institutions are investing more in the concept of fraud and fraud modernization, replacing older technology and having better fraud detection capabilities, and retuning their alerts," Lalchand said.

Persons: it's, Satish Lalchand, Lalchand, Nilson, That's Organizations: Deloitte U.S, Global, U.S, Visa

To help you decide whether ESPN Plus is right for your needs, we've answered all of your pressing questions, including how much is ESPN Plus and any available deals on subscriptions. ESPN Plus (Monthly Plan) ESPN Plus is designed for sports, giving subscribers access to live MLB, NHL, NFL, soccer, golf, and UFC fights. Hulu + Live TV Hulu + Live TV includes over 90 channels, along with Hulu's on-demand library and access to Disney Plus and ESPN Plus. If you already have a Hulu or Disney Plus subscription, your MyDisney account login information will be the same for ESPN Plus. Instead of launching a separate service, all ESPN Plus content is unlocked in the ESPN app once you subscribe.

Persons: we've, There's, Peyton Manning, What's, Hulu's, you'll, Venu, —, Fubo Organizations: Business, ESPN, ESPN Plus, NBA, MLB, NHL, NFL, UFC, Hulu, Disney Plus, Disney, ABC, ESPN3, ESPN2, ESPN ESPN, Fire, Apple, Google, Fox, Warner Bros, Discovery, TNT, TBS

Racking up a balance on your old credit cardA popular way to manage debt is to transfer the balance on an existing credit card to a balance transfer credit card with a low or 0% APR. Being unaware of the balance transfer feesMany people fail to consider the balance transfer fees when getting a balance transfer card. Balance Transfer Credit CardsThe best balance transfer credit cards can help you take control of your debt. Conversely, when you open a balance transfer credit card, your total credit limit will increase, lowering your credit utilization ratio. Neglecting to shop around for the best offerPeople with credit card debt will sometimes jump on the first credit card balance transfer offer they get.

Persons: —, I've, DJ Jack, you've, Jack, Wells, you'll Organizations: Service, Chase

☆ Retail credit card interest rates reach record high
▼ + stars: | 2024-09-12 | by ( Jeanne Sahadi | ) edition.cnn.com time to read: +4 min

Here’s one way to think about these kinds of high-rate burdens:Say you sign up for a retailer’s card the day you make a $1,000 purchase. Or, consider that the interest you’ll pay in that same scenario will wipe out the $200 you “saved” after just nine months of making minimum required payments. The lowest rate on a retail card that the study found was 10%, on the Amazon Secured Card. “There are narrow circumstances in which retail cards can work for you. For a loyal shopper who pays in full and avoids interest, that’s a compelling value proposition,” he said.

Persons: Bankrate, Sam, Big, you’re, Ted Rossman, ”, you’ll, “, Rossman, That’s Organizations: CNN, Academy, Nordstrom, Navy, Walgreens, QVC, Amazon, Military Star, Costco, Citi, IKEA Projekt, IKEA Visa Locations: Petco, Burlington, Banana, JCPenney, American

Through Sept. 27, non-members can get a year-long Sam’s Club membership for just $15, that’s 70% off the typical $50 membership price (terms apply). There are two levels of Sam’s Club memberships: the classic Sam’s Club membership and a Sam’s Club Plus membership. Extra cash back: All Club members earn 1% Sam’s Cash when they use a Sam’s Club Mastercard, but Plus members get 3%. All Club members earn 1% Sam’s Cash when they use a Sam’s Club Mastercard, but Plus members get 3%. Up to $50 Sam’s Cash: Members get $10 Sam’s Cash for each friend that joins using the member’s referral link (limit of 5).

Persons: You’ll, Mark, aren’t, you’ll, it’s, Cash, Member’s Mark, maestros, They’re, wicks, Lauren Levy, TikTok Organizations: Sam’s, The, NBC, Club, Savings, Health, Mastercard, Cash, CNN, Yahoo Entertainment, MSN, USA, Facebook, Twitter

Here’s what to know:When do voting by mail and early voting start? In some states, mail ballots must be in the hands of election officials before polls close, but others will count ballots that arrive after Election Day if they were postmarked earlier. About a quarter of voters cast ballots in person before Election Day, and about a quarter of voters cast ballots in person on Election Day, according to that survey. Some states will not be as accommodating of early or mail-in voting in 2024. Alaska and Rhode Island are unique because they only allow Election Day registration in the presidential election.

Persons: CNN — It’s, Robert F, Kennedy Jr, Donald Trump, Kamala Harris, Trump, Sen, JD Vance, Tim Walz, SSRS, Joe Biden, Biden, I’m, you’re Organizations: CNN, District of Columbia, Minnesota Gov, Pew Research Center, Trump voters, Pew, Social, Voting Locations: North Carolina, Alabama, Wisconsin, Washington, Minnesota , South Dakota, Virginia, Ohio, Trump, Pennsylvania, Rhode, Alaska

☆ Americans have more than $32 trillion in home equity — a record high. Here's what to know before you tap it
▼ + stars: | 2024-09-11 | by ( Jessica Dickler | ) www.cnbc.com time to read: +2 min

Tappable equity is the amount most lenders will allow you to take out while still leaving 20% in the home as a cushion. How to tap your home for cashAlternatively, a home equity loan is a type of second mortgage, which allows borrowers to pull cash while using the house as collateral. However, the current average home equity loan interest rate is 8.52%, according to Bankrate, notably higher than a 30-year fixed-rate mortgage. watch nowOtherwise, a home equity line of credit, also known as a HELOC, lets you borrow money against a portion of your home's equity. The average HELOC interest rate is just shy of 10%, according to Bankrate.

Persons: Jacob Channel, Andy Walden, Holden Lewis, Lewis Organizations: Louis Federal Reserve, Intercontinental Exchange's Mortgage, Intercontinental Exchange

☆ Delinquent debt is piling up. Here's why it's not a reason to worry about the US consumer, according to BofA CEO Brian Moynihan.
▼ + stars: | 2024-09-11 | by ( Jennifer Sor | ) www.businessinsider.com time to read: +1 min

There's no need to worry about consumers falling behind on debt payments, BofA's Brian Moynihan said. Deliquency rates on credit card and auto loans are normalizing and are close to 2019 levels. Go to newsletter preferences Thanks for signing up! AdvertisementConsumers are falling behind on their credit card and auto loan payments, but that's actually not such a big deal for the economy, according to Bank of America CEO Brian Moynihan. Late payments on consumer credit card loans have ticked slightly higher over the last quarter, with 9.1% of credit card balances and 8% of car loans transitioning into delinquency, according to the New York Fed's latest Household Debt and Credit Survey.

Persons: BofA's Brian Moynihan, —, that's, Brian Moynihan, Moynihan shrugged Organizations: Service, Bank of America, CNBC, Credit Survey, Business Locations: York

The best iPhone 16 Pro Max cases offer rugged protection against drop damage and dynamic, visually appealing designs. AdvertisementWill an iPhone 15 Pro Max case fit an iPhone 16 Pro Max? A case meant for the iPhone 15 Pro Max will not fit the iPhone 16 Pro Max, and vice versa, due to the new model's significantly larger display. Unlike the 6.7-inch display on the iPhone 15 Pro Max, the iPhone 16 Pro Max's display is 6.9 inches. See our guide to the best iPhone 15 Pro Max cases to equip the previous model.

Persons: we've, Max, it's Organizations: Max, Apple, Business Locations: kickstands

The collection's existence on your credit report can severely lower your credit score and impact future loans. Here's what you need to know about the impact of collections and how to get them removed from your credit report. As it ages on your credit report, its effect on your credit score will decrease until it falls off entirely. How can you remove collections from a credit report? There are a few different — and completely legal — ways you can try to remove it from your credit report to fix your credit score.

Persons: it's, there's, you've, Markia Brown, John Owens, Brown, Owens, Rick Eicheldinger, Zarrad, Eicheldinger, Jennifer, Read Organizations: Monterey Financial Services, Business, Yahoo, Finance, CBS, MSNBC, CNBC, Forbes, Black Enterprise, USA, The Johns Hopkins University Carey School of Business, Business Journalists Locations: America, TheGrio, New York City

☆ How 9/11 Become Gen Z's Favorite Internet Meme, Joke
▼ + stars: | 2024-09-11 | by ( Scott Nover | ) www.businessinsider.com time to read: +13 min

On 9/11, the first meme dropped at 8:56 a.m. "That is a big fucking hole in the World Trade Center sirs!" 9/11 jokes, in other words, often have very little to do with 9/11. AdvertisementUnlike Domineau or those anonymous SomethingAwful posters, many people making and spreading 9/11 memes today are too young to remember 9/11, if they were alive at all. She says 9/11 memes have always been popular with her cohort. Domineau says it's only natural for young people to take 9/11 jokes to the next extreme.

Persons: NAEM, DogWelder, Brad Pitt's, Tyler Durden, monkeu, BUSH, Thom Yorke, THOM, Gilbert Gottfried, Jaroslav Hašek, Jan Chovanec, ike H, oke, hing, hite, ingle, alvin K, amar, laine, hatter, ike Organizations: World Trade Center, Facebook, Twitter, World Trade, United Airlines Flight, Radiohead, Empire, International, of Humor Research, ard, ust Locations: New York, Czech, pec

Financial planner Nadine Burns says with the right strategy, you can reach your retirement goals. Below, Burns shares the strategy she uses to help her clients achieve their retirement goals. Understand your net worthBurns says understanding your net worth — and tracking it throughout your working years — is the first step to retiring comfortably. Your net worth should rise throughout your working years and allow you to retire with more assets than debts. To find your net worth, add up all of your assets then subtract your debts.

Persons: Nadine Burns, It's, —, Burns, you've, doesn't Organizations: Service, Social Security, Invest, IRA

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