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My wife and I just got married, but we've been open about our finances our whole relationship. For some expenses like retirement planning, keeping our finances separate makes sense. That means we're able to work toward our financial goals of finding our forever home, paying off any student loan debt, and allocating funds for things we love, like vacations and dinners at our favorite restaurants. We're planning our retirements separatelyAlthough we are a couple, we keep some aspects of our finances separate. SmartAsset's free tool matches you with up to three fiduciary financial advisors that serve your area in minutes.
Persons: we've, , Roth, it's, we're, doesn't Organizations: Service, Urban Outfitters
While locking their credit won't solve all cybersecurity issues related to stolen Social Security numbers, it's one extra layer of protection parents can implement. Parents can take these steps proactively even if there's nothing to suggest a minor's credit has been compromised such as unexpected credit card solicitations or bills received in the minor's name. It can take some time and effort to lock a child's credit, but the outlay is minimal compared with what can be a lengthy and emotional credit restoration process. Locking a child's credit won't protect against all of these, but it's a solid step in the right direction, financial professionals said. To check to see if their child has a credit report, parents can mail a letter with their request to each of the credit bureaus.
Persons: , Kim Cole, Loretta Roney, It's, Cole, Bruce McClary, McClary Organizations: Social, Social Security, Navicore Solutions, InCharge, Federal Trade Commission, Administration, Foundation, Credit Counseling
How to stream NFL games without cableBelow, we'll dive deeper into all your NFL streaming options. We'll show you how to watch Thursday Night Football, Monday Night Football, Sunday Night Football, and more, whether you want an all-inclusive streaming service or cheaper monthly subscriptions. What you get:Local games on FoxLocal games on CBSSunday Night Football on NBCMonday Night Football on ESPNNFL Network gamesWhat you don't get:Thursday Night Football gamesOut-of-market games**Out-of-market games are available with the NFL Sunday Ticket package. What you get:Thursday Night Football gamesExclusive Wild Card game in January 2025What you don't get:Local games on CBSLocal games on FoxMonday Night Football on ESPNSunday Night Football games on NBCNFL Network gamesOut-of-market Sunday afternoon gamesNFL+NFL+ Subscription NFL Plus lets you stream live games to your phone or mobile device, and watch on-demand content from NFL Films and the NFL Network. The platform will let you watch local and primetime broadcast games (regular and postseason), NFL Network games, and out-of-market preseason games.
Persons: we've, Hulu's, Peacock, Al Michaels, Kirk Herbstreit, Kaylee, There's, DAZN, Flatenna, ExpressVPN, you'll Organizations: Business, NFL, Super, Football, TV, NFL Network, Fox, NBC, ESPN, CBS, Sling, ESPN NFL Network, Fubo, Hulu, Fox Local, Disney Plus, Disney, YouTube, NFL Redzone, Sports, NFL Sunday, Sunday, CBS Local, Fox Monday, Paramount, Nickelodeon, Comedy Central, BET, MTV, Showtime, Fox Sunday, Amazon, Amazon Prime, Thursday, ESPN Sunday Night, NBC NFL Network, NFL Films, NFL RedZone, MLB, NHL, UFC, ESPN ESPN, Jets, 49ers, Bengals, Seahawks, Lions, Ravens, Buccaneers, Chargers, Cardinals, Giants, Steelers, Cowboys, Bears, Apple, Android, Smart, Sony, LG, Panasonic, PlayStation, Xbox, Night Football NFL Network, Twitch Locations: United States, China, United Kingdom, Canada, Australia, AWST
If Your Debt Is Ballooning, There Are Steps You Can Take
  + stars: | 2024-08-23 | by ( Ann Carrns | ) www.nytimes.com   time to read: +1 min
Americans are increasingly struggling with credit card debt and other loans, and consumers are paying more for basic banking services like A.T.M. And 42 percent of households carrying balances on credit cards reported that their overall debt level was “unmanageable,” up from 38 percent in 2022, the network found. More borrowers have been falling behind on credit card payments, especially those who have maxed out spending on their cards, according to the Federal Reserve Bank of New York. Making payments on credit cards as well as car loans, student loans and other installment loans has been increasingly challenging for consumers, the financial network found. (The analysis, which the network publishes annually, is based on public data and a nationally representative survey of consumers.)
Persons: , Hannah Gdalman Organizations: Financial Health Network, Federal Reserve Bank of New Locations: Federal Reserve Bank of New York
Happy Money Personal Loan OverviewFeaturesA Happy Money personal loan is a good option for those with good credit scores who are eligible for the lender's lowest APR. Happy Money Personal Loan Rates and TermsInterest RatesWhen borrowing with Happy Money, expect interest rates ranging between 11.72% APR and 17.99% APR. Happy Money vs. Reach FinancialBoth Reach Financial Personal Loan and Happy Money are for borrowers who are looking to consolidate their debt. Happy Money Customer Reviews and TestimonialsWhile Happy Money is an accredited business with the Better Business Bureau (BBB), is only has 1.6 out of 5 stars, based on customer reviews. Happy Money Personal Loan FAQsWhat is the minimum credit score required for a Happy Money personal loan?
Persons: you'll, Ryan Wangman, Read, Elias Shaya, Elias Organizations: Happy, Social Security, Social, Better Business Bureau, Chevron, Finance, Northwestern University, Boston Globe Locations: Maine , Massachusetts , Nebraska, Nevada, New York City
Fortunately, we like to earn American Express Membership Rewards and Chase Ultimate Rewards points. I also transferred Chase points to Hyatt and redeemed them for one night in a hotel in the city. Annual travel credit can effectively shave $300 off the annual fee if you use itCheck mark icon A check mark. $300 Annual Travel Credit as reimbursement for travel purchases charged to your card each account anniversary year. Another Southwest flight home to Denver, also courtesy of credit card rewards, and our anniversary spectacular was complete.
Persons: , Chase, Chase Travel ℠, Hilton, It's, we're Organizations: Service, Business, American, American Express, ANA Airlines of, Polish Airlines, Chase, Southwest Airlines, LaGuardia, Hyatt, Chase Travel, Sapphire, Chase Sapphire, TSA, FDIC, Hilton Lost Property, Hilton Honors Business, Hilton, Eurostar, ANA, Southwest Locations: London, Paris, Normandy, ANA Airlines of Japan, Newark, New York, JFK, Warsaw, Denver, Central Park, Paul's, New York City
For investors holding Japanese assets denominated in yen, the decline of the currency led to the value of their gains increasing. McManus isn't the only one who increased his exposure into the Japanese market following the early August sell-off. Before the yen started to strengthen, "Japanese investors could benefit because their lives and portfolios are denominated in yen. As a result, an appreciating yen will help overseas investors realize gains from the Japanese market as it continues its rebound. "This suggests that, if the cycle is heading towards [a] period of persistent yen strength, global investors should overweight Japan," Jefferies said.
Persons: , we're, Janus Henderson, Julian McManus, McManus, Jefferies, Shrikant Kale, Janus Henderson's McManus, Morgan Stanley, Daniel Blake, Peter Perkins, Perkins Organizations: Toyota, Bank of, U.S, Nikkei, Bank of America, Macro Research, Partners, Federal Reserve Locations: Japan
The average 30-year mortgage rate fell to 6.46% this week, according to Freddie Mac. See more mortgage rates on Zillow Real Estate on ZillowMortgage CalculatorUse our free mortgage calculator to see how today's mortgage rates will affect your monthly and long-term payments. 30-Year Fixed Mortgage RatesThe average 30-year fixed mortgage rate was 6.46% this week, according to Freddie Mac. 15-Year Fixed Mortgage RatesAverage 15-year mortgage rates were 5.62% this week, according to Freddie Mac data, which is a four-basis-point decrease from the previous week. As inflation comes down and the Federal Reserve is able to start cutting the federal funds rate, mortgage rates should fall further as well.
Persons: Freddie Mac, Sam Khater, Freddie Mac's Organizations: National Association of Realtors, Zillow, Federal Reserve Locations: Chevron
Glowimages | Getty ImagesYou may have never heard of National Public Data, yet your personal information may have been compromised in the company's recent massive data breach. National Public Data did not return a request for comment by press time. Can you be affected even if you've never heard of National Public Data? Sites like National Public Data may allow for individuals to opt out of being included in their data collections. Additionally, identity theft monitoring tools will let you know if someone tries to open an account using your personal information.
Persons: James E, Lee, it's, you've, Cliff Steinhauer, Steinhauer, Organizations: Public Data, Jerico Pictures Inc, National, Theft Resource, Finance, Social Security, National Public, Public, National Cybersecurity Alliance, Social Locations: Maine, U.S
Emery Wells put himself on the path to a dream career by recklessly buying a $17,500 camera that he definitely couldn't afford. By 2014, his post-production company Katabatic Digital brought in more than $1 million in annual revenue from clients like Coca-Cola and Pfizer. Wells: Post-production is client service work. Did you always think Frame.io could become a billion-dollar company? I don't know if we're really going to get there."
Persons: Emery Wells, who'd, Wells, John Traver, shuttering, Traver, I'd, Mark Zuckerberg, Mark, we're Organizations: CNBC, Adobe, Digital Cinema, Katabatic, Cola, Pfizer, Frame.io Locations: Wells, New York, Katabatic
I'm a frequent traveler spending $1,300 a year on credit card fees to get great perks. My United℠ Explorer Card card has gotten me priority boarding but I'm not sure I want to keep it. For years, I prided myself on using no-fee credit cards that offered a small amount of cash back on purchases. But I changed my mind once I started traveling more and learning about the perks some credit cards offered. Here are my favorite travel card perks, plus a few I've enjoyed but would be OK losing.
Persons: I'm, , I've, Taylor Rains Organizations: American Express, Service, Honors, Chase, United, United Club Locations: New Delhi, Washington, DC
Algerina Perna | Baltimore Sun | MCT | Getty ImagesThe explosion of online sports betting is taking a toll on personal finances, particularly among those who are financially distressed. The authors found that sports betting has exploded since the Supreme Court overturned a federal law prohibiting it in 2018. Those who participate tend to invest less and have higher debt levels. "Two to three years after betting becomes legal, there is a noticeable drop in net investment relative to states where betting is not yet legal," the report said. The higher credit card debt indicates that these households are not just shifting funds from one type of entertainment to another (for example, shifting money from betting on lotteries to betting on sports).
Persons: Algerina Perna Organizations: Baltimore Sun
Janet Mills launched the commission a month after the Oct. 25 shooting killed 18 people at a bowling alley and a bar. Wathen said the commission's investigatory process was slowed by Army bureaucracy in obtaining information but that the military remained cooperative. But the sergeant said law enforcement was stymied at the time because Card refused to answer his door. There were also communication gaps between the Army and the civilian hospital, the report found, which can be improved in future cases. The military in its report denied that any brain-related injury was linked to his military service.
Persons: Robert Card, Janet Mills, Daniel Wathen, Wathen, Robert F, Card's, Mills, ideations, Ben Gideon, Gideon, Cara Lamb Organizations: Army, U.S, Sheriff's, Card's Army Reserve, Card, Keller Army Community Hospital, Maine Gov, Maine State Police, Department of Defense Locations: Lewiston , Maine, West Point , New York, West Point, Maine
New York CNN —CEOs of many of the biggest US hotel and travel companies are coming off a bit like doomsayers these days with their warnings about the declining health of consumers and their waning appetite for travel. Gary Hershorn/Getty ImagesMuch of the revenue growth that travel companies reported in recent years resulted from inflation, said David Tinsley, a senior economist at Bank of America Institute. “It was always going to be tough to expect travel spending to be showing the kind of momentum it showed 12 months ago,” he told CNN. “I don’t think the current situation is particularly bleak — it’s reasonable to see more normalization playing out,” he said, referring to travel spending getting back on par with pre-pandemic trends. Still, it’s not hard to see why this mixed picture is prompting travel companies to tread carefully.
Persons: , , Brian Chesky, “ It’s, Ellie Mertz, Chris Nassetta, Airbnb’s Mertz, haven’t, Jan Freitag, ” Freitag, Walt Disney, Gary Hershorn, David Tinsley, Tinsley, , Steve Hafner, it’s Organizations: New, New York CNN, Conference, Bank of America Institute, CNN Locations: New York,
Read previewSerial liar and former US congressman George Santos pleaded guilty to criminal charges in court Monday, avoiding a criminal trial. Santos ultimately pleaded guilty on Monday to two counts — one count of wire fraud and one count of identity theft — as part of a plea agreement. Advertisement"You trusted me to represent you with honor and to uphold the values that are central to our democracy," Santos told reporters outside court after the hearing. Related storiesCourt filings previously indicated Santos was in talks for a plea deal as early as December. Two associates of Santos — Nancy Marks and Sam Miele — have previously pleaded guilty to fraud charges against them and would have likely testified in Santos' trial.
Persons: , George Santos, Santos, Joann Seybert, Seybert, Breon, I've, Goldman Sachs, Hannah Montana, Zack, Cody, Tom Williams, Ferragamo, Santos — Nancy Marks, Sam Miele —, Tom Suozzi, Jimmy Kimmel Organizations: Service, Business, Eastern, of, Republican, The New York Times, Citigroup, Baruch College, New York University, Disney Channel, U.S . Capitol, Inc, Getty, Congress Locations: of New York, New York, Long, Queens, The, Brazil, Eastern, OnlyFans, Hermes, United States, New
Private jet flights fell 15% in the first half of the year compared with their peak in 2022, as the industry grapples with waning demand and a new competitive landscape for high-end travel. Despite a short boost from the Summer Olympics, with a record 713 private jet flights to Paris the last week of July, the private jet industry continues to lose altitude this travel season. Jet It, a large U.S. private jet operator, shut down last year after grounding its fleet of Phenom 300s, Gulfstream G150s and HondaJets. Private jet passengers who paid six figures for flights started facing delays and cancellations as operators couldn’t buy or lease planes fast enough. “Prices are about 20% higher than they were in 2019,” Private Jet Card Comparisons' Gollan said.
Persons: Washington's, J, David Ake, Robert Frank, Covid, Rob Wiesenthal, George Mattson, VistaJet, Thomas Flohr, Doug Gollan, , Jay Duckson, , , I’m, Gollan, Travis Kuhn, “ It’s, ” Gollan, Berkshire Hathaway, ” Kuhn, Organizations: Gulfstream, Washington's Reagan National Airport, Getty, Private, Summer, Argus International, Blade Air Mobility, Delta Air Lines, CNBC, Industry, Central Business Jets, Companies, Jefferies, Argus, Berkshire Locations: Arlington , Virginia, Paris, U.S, Covid, Argus,
Read previewRevolut has secured a $45 million valuation via a secondary share sale, despite a wider slump in fintech valuations. The London-based neo-bank, which recently secured a banking license in the UK, has signed agreements with institutional investors over a share sale that significantly boosts the company's valuation. That round came at the height of the tech market's COVID-19 boom, and Revolut has not raised primary capital from investors since. This secondary deal allows employees to profit from their stakes in the company and also cements the fintech as Europe's most valuable tech startup ahead of a prospective IPO. Revolut has 45 million customers and offers bank accounts, savings options, and trading in stocks and cryptocurrencies.
Persons: , Revolut, We're, Nik Storonsky, SoftBank, Matt Cooper, Revulot, Cooper, Starling Organizations: Service, D1 Capital Partners, Tiger, Business, Prudential, Authority, Financial Times Locations: London, Europe
Sakorn Sukkasemsakorn | Istock | Getty ImagesAbout 2.9 billion people may have had their personal information hacked, a new proposed class-action lawsuit alleges. If true, reports suggest all Americans may have had valuable personal information compromised — including full names, current and past addresses, Social Security numbers and information on parents, siblings and other relatives. In 2013, a Yahoo data breach may have hit all the company's accounts, or a total of 3 billion people. "Freezing your credit is the single most important thing you can do when you get a data breach notice," Lee said. While freezing your credit will limit access to your credit reports, it won't block it completely.
Persons: Sakorn, Cliff Steinhauer, James E, Lee, Steinhauer, I'd, haven't, We've, it's, It's Organizations: Istock, Public Data, Jerico Pictures Inc, Jerico, CNBC, National Cybersecurity Alliance, Theft Resource, Social Security, Finance Locations: U.S
On Jan. 13, NBCUniversal's subscription streaming service Peacock showed its first-ever exclusive NFL playoff game — a 26-7 victory by the eventual Super Bowl-winning Kansas City Chiefs over the Miami Dolphins. For NBCUniversal, obtaining NBA rights helps guarantee sustainability in a fight for eyeballs against streaming behemoths such as Netflix , Amazon Prime Video and Disney +. Beginning with the 2025-26 season, Peacock will have about 50 exclusive national regular-season and postseason NBA games, including national Monday night games and doubleheaders. Having exclusive NBA games is really important for that mission." Discovery decided not to compete with NBCUniversal for NBA rights once the price tag ballooned past $2 billion per year.
Persons: Angela Weiss, Rick Cordella, Peacock, Patrick Mahomes, Kansas City Chiefs Jamie Squire, Cordella, NBCU, they've, David Berson, Jessica Reif Ehrlich, Ehrlich, NBCUniversal, Adam Silver Organizations: NBA, AFP, Getty, Comcast, NBC Sports, Disney, NFL, eventual, Kansas City Chiefs, Miami Dolphins, Nielsen, Research, Peacock, Premier League, WWE, IndyCar, Recreation, Sports, Media, Netflix, Amazon Prime, Paramount, CBS Sports, Skydance Media, Warner Bros . Discovery, Bank of America, NBC, Warner Bros, Discovery, TNT, ABC, ESPN, Hollywood, CNBC Locations: New York, U.S, Peacock
When Yasmine invited her to join the road trip across Turkey, Sema happily accepted. “I knew nothing about them.”And then, when she was introduced to Kenneth, Sema also felt an instant connection to him. Kenneth Wayne HarlOver the next few days, as Kenneth, Sema and their friends Jason and Yasmin drove across Turkey, Kenneth and Sema grew closer. Kenneth and Sema spent the rest of the ferry crossing basking in the glow of each other’s affection. “In Urfa, the four of us attended a dinner and traditional dance performance in the evening,” recalls Kenneth.
Persons: Kenneth Harl, Sema, , Kenneth, ” Kenneth, Jason, Yasmine, , Nemrut, She’d, – she’d, hadn’t, ” Sema, , Kenneth Wayne Harl, Yasmin, Nemrut Dağ, Kenneth wasn’t, Jason – who’d, , , ’ ”, ” Jason, – you’re, it’d, it’s, Kenneth Wayne Harl Kenneth, They’d, Ken, who’d, you’re, ” “, hasn’t, “ I’m, he’d, We’ve, I’m, He’s Organizations: CNN, CNN Travel, Tulane University, Tulane, UNESCO, Heritage, Sema, Skype, American Research Institute, London, Locations: Malatya, Turkey, New Orleans, Izmit, Jason, Urfa, Harran, Sema, Nemrut, United States, Istanbul, Büyük Ada, , Ankara, Paris, India, France, Hurricane
But the widowed 78-year-old now has to skimp on her meals because her Social Security benefits haven’t kept up with the rising costs for food, housing and health care in recent years. Social Security benefits have lost 20% of their buying power since 2010, according to a recent analysis by The Senior Citizens League, an advocacy group. Every January, Social Security recipients get an annual cost-of-living adjustment, known as a COLA, but the increases often don’t keep up with the actual rise in prices – hurting senior citizens, many of whom live on fixed incomes and depend heavily on their Social Security benefits. Social Security benefits have risen by 58% between 2010 and 2024, but the cost of goods and services purchased by typical retirees jumped 73% during that time, the league said. For Albrecht, it feels like her Social Security benefits have lost more than 20% of their buying power.
Persons: Janet Albrecht, haven’t, Albrecht, hasn’t, , Shannon Benton, That’s, Organizations: CNN, Security, Social, Social Security, Senior Citizens League Locations: an Indiana , Pennsylvania
Scott M. Smith, 40, wasn't expecting student-loan forgiveness. Scott M. Smith, 40, received student-loan forgiveness through PSLF. AdvertisementThe freedom to go back to schoolFor Paul Smylie, 39, student-loan forgiveness means something else. Smylie's student-loan forgiveness is giving him the financial freedom to consider doing just that. In a rule first established under President Barack Obama, any student-loan borrower who can prove they are totally and permanently disabled is eligible for student-loan forgiveness.
Persons: Scott M, Smith, wasn't, — Smith, servicer, hadn't, , who's, PSLF, Joe Biden's, Millennials who've, Zers, millennials —, Gen Xers —, Paul Smylie, Smylie, Gen Xers, Chloe Moore, Financial Staples, Keenan Casey, CiCora Leigh, Leigh, Cicora Leigh, Barack Obama, Beverley —, Beverley, Grayson Hofferber, Hofferber, they'll, that's, someone's, Casey Organizations: Service, Public, Business, Education Department, Federal Reserve, SAVE, Appeals, Associated Press, Gallup, Lumina Foundation, millennials, Financial, Army, University of Mississippi, Veterans Affairs, BI, Millennial Wealth Management Locations: Mississippi, Beverley, forbearance, deferment
As the economy continues to normalize and the Fed is able to lower the federal funds rate, mortgage rates should drop further. See more mortgage rates on Zillow Real Estate on ZillowMortgage CalculatorUse our free mortgage calculator to see how today's mortgage rates would impact your monthly payments. Mortgage Rates for Buying a Home30-Year Fixed Mortgage Rates Increase (+0.26%)The current average 30-year fixed mortgage rate is 6.17%, up 26 basis points from where it was this time last week, according to Zillow data. 15-Year Fixed Mortgage Rates Go Up (+0.26%)The average 15-year mortgage rate is 5.45%, 26 basis points higher than last week. Mortgage Refinance Rates30-Year Fixed Refinance Rates Jump Up (+1.07%)The average 30-year refinance rate is 7.04%, 107 basis points up from last week.
Persons: Zillow, Price, you'll, It's, refinance, they've Organizations: Federal Reserve, Zillow, FHA Locations: U.S, Chevron
CNN —The Dallas Cowboys have become the first professional sports team to be valued at over $10 billion, according to Sportico’s 2024 NFL rankings that were released on Tuesday. The Cowboys, owned by Jerry Jones, were valued at $10.32 billion, far and away the most valuable franchise in the league and an increase of over a billion dollars on the previous estimate of $9.2 billion in February. The Cowboys remain immensely popular though, generating an estimated revenue of $1.2 billion in 2023, 50% higher than the second ranked NFL team, the Los Angeles Rams, according to Sportico. The Rams are valued at $7.79 billion and leapfrogged the New York Giants to take second place but are not in the same stratosphere as Dallas. Per Sportico’s research, the average NFL franchise is worth $5.93 billion, an improvement of 15.4% over last year, as the league continues to be the world’s most financially successful in any sport in terms of team value.
Persons: Jerry Jones, Jones, Dak, Brandon Sloter, Bill Belichick – Organizations: CNN, The Dallas Cowboys, The Cowboys, , Cowboys, Dallas, Green Bay Packers, NFC, NFL, Los Angeles Rams, Rams, New York Giants, The New England Patriots, San Francisco 49ers, Tampa Bay Buccaneers, Los Angeles Chargers, Cincinnati Bengals, Bengals Locations: Dak Prescott, , Dallas, The
Olivia Ott / NBC NewsHow we tested Windmill and July’s air conditionersTwo of my colleagues and I tested Windmill and July’s ACs for at least five weeks in our New York City apartments. July sent me its small 6K BTU air conditioner, which I put in my bedroom. My LG air conditioner was so loud that I felt like I couldn’t hear myself think. JulyEven after over a month, I’m still shocked when I walk into my bedroom and barely notice my air conditioner. For this article, I tested July’s air conditioner for over a month, and two members of NBC Select’s staff tested Windmill’s air conditioner for over a month.
Persons: you’ll, Zoe Malin, Nikki Brown, Olivia Ott, Bianca Alvarez, you’re, I’ve, , Brown, Alvarez, I’d, she’s, , it’s, Windmill’s, I’m, Both Alvarez, hasn’t, , TikTok Organizations: NASA, NBC, British, Units, National Council, Aging, Alexa, July’s, ACs, Windmill, AC, July’s AC, LG, Amazon Alexa, decibel, Facebook, Twitter Locations: New York City, BTUs, Taskrabbit, NYC, France
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