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☆ 59% of Americans wrongly think the U.S. is in a recession, report finds
▼ + stars: | 2024-08-12 | by ( Jessica Dickler | ) www.cnbc.com time to read: +2 min

Officially, the National Bureau of Economic Research defines a recession as "a significant decline in economic activity that is spread across the economy and lasts more than a few months." The last time that happened was early in 2020, when the economy came to an abrupt halt. Economists have wrestled with the growing disconnect between how the economy is doing and how people feel about their financial standing. We're in a 'vibecession'We're in a "vibecession," Joyce Chang, JPMorgan's chair of global research, said at the CNBC Financial Advisor Summit in May. "Everything looks great but when you look beneath the surface, the disparity between the wealthy and nonwealthy is widening dramatically."

Persons: Gene Goldman, Vishal Kapoor, Joyce Chang, JPMorgan's, that's, Chang, Goldman Organizations: Cetera Financial, National Bureau of Economic Research, CNBC, Summit Locations: El Segundo , California

☆ Average consumer now carries $6,329 in credit card debt. 'People are stretched,' expert says.
▼ + stars: | 2024-08-08 | by ( Jessica Dickler | Jessica Dickler Is A Personal Finance Writer For Cnbc. | ) www.nbcnews.com time to read: +2 min

Credit card debt is on the rise. Over the last year, roughly 9.1% of credit card balances transitioned into delinquency, the New York Fed reported. The average credit card charges more than 20% — near an all-time high. “With credit card balances at an all-time high and the average credit card rate hovering near record territory, it’s more important than ever to pay down this debt as soon as possible,” Rossman said. If you’re carrying a balance, try consolidating and paying off high-interest credit cards with a lower interest personal loan or switch to an interest-free balance transfer credit card, he advised.

Persons: TransUnion, ”, Michele Raneri, “, Ted Rossman, Bankrate, ” Raneri, ” Rossman Organizations: Federal Reserve Bank of New, New York Fed, Consumers Locations: Federal Reserve Bank of New York, TransUnion

☆ Credit card debt hits record $1.14 trillion, New York Fed research shows
▼ + stars: | 2024-08-06 | by ( Jessica Dickler | ) www.cnbc.com time to read: +2 min

watch nowWho is falling behind on credit card billsThese borrowers "may have overextended during the pandemic," the New York Fed researchers said on a press call Tuesday. Delinquent borrowers are often renters, with shorter credit histories and lower credit limits, making them more likely to be financially vulnerable and miss a payment, the researchers said. Over the last year, roughly 9.1% of credit card balances transitioned into delinquency, the New York Fed found. Among the millennials transitioning into delinquency, many also entered the labor market during the Great Recession and may be experiencing the prolonged negative effects of graduating into an economic downturn, the New York Fed researchers said. Credit card rates top 20%

Persons: homeownership, Brett House, Ted Rossman Organizations: New York Fed, Columbia Business School

☆ Back to school hauls follows TikTok's underconsumption core trend
▼ + stars: | 2024-08-05 | by ( Jessica Dickler | ) www.cnbc.com time to read: +3 min

Customer shopping for school supplies with employee restocking shelves, Target store, Queens, New York. Altogether, this year's back-to-school spending, including for college students, is expected to reach $38.8 billion, the NRF also found. Higher prices are partly to blame: Families are now paying more for key back-to-school essentials like backpacks ahead of the new school year. The must have items of the back-to-school season"Back-to-school hauls have started infiltrating TikTok earlier than I've ever seen it," said Casey Lewis, a social media trend expert and founder of trend newsletter After School. How to keep back-to-school spending in check

Persons: Lindsey Nicholson, Happe, WalletHub, I've, Casey Lewis, Lewis Organizations: UCG, Intuit Credit Karma, CNBC, Deloitte, Adidas Locations: Queens , New York

☆ 'Underconsumption core' is in — and not a moment too soon, I say
▼ + stars: | 2024-08-04 | by ( Jessica Dickler | ) www.cnbc.com time to read: +2 min

"We are bombarded with shopping opportunities," said Casey Lewis, a social media trend expert and founder of trend newsletter After School. Generation Z, especially, makes shopping decisions heavily driven by TikTok and Instagram, where influencer recommendations play a very significant role, another KPMG report showed. The rise of #underconsumptioncoreTikTok's latest financial trend, #underconsumptioncore, is about making the most of what you already have and rejecting the temptation to buy more (and more and more). This time around, #underconsumptioncore stems from a number of other factors, as well, including a desire to live more intentionally and sustainably. Casey Lewis social media trend expert

Persons: Casey Lewis, Intuit Credit Karma, That's, Allison Bornstein, Brett House, underconsumption Organizations: Facebook, Intuit Credit, KPMG, Columbia Business School

☆ Trump promises lower interest rates. But he doesn't have that power
▼ + stars: | 2024-08-02 | by ( Jessica Dickler | ) www.cnbc.com time to read: +2 min

At the National Association of Black Journalists' annual convention in Chicago on Wednesday, former President Donald Trump said inflation and high interest rates are "destroying our country." The Republican presidential nominee said if elected, he would "bring interest rates way down." The president, however, exerts no direct control over interest rates. The Federal Reserve sets interest rates, and it operates independently of the White House. Once that rate comes down, consumers may see their borrowing costs fall as well.

Persons: Donald Trump, Harris, Kamala Harris Organizations: National Association of Black Journalists, Republican, Federal Reserve, White, Federal, Finance Locations: Chicago , Illinois, U.S, Chicago

Elijah Nouvelage | Afp | Getty ImagesHow the LIFT Act could look todaySince the LIFT Act was first proposed in 2018, the cost of living has only skyrocketed, hitting working-class Americans especially hard. However, funding such a tax credit now could be tough amid growing concerns over the federal budget deficit. The advantage of the LIFT tax credit, said D'Acunto, is that it doesn't create the same market distortions the rent cap would ignite. Child tax credit is a 'huge priority' for DemocratsLIFT was first proposed years before Congress temporarily expanded the child tax credit during the Covid-19 pandemic, which could now be a bigger priority, experts say. Harris described the child tax credit changes as one of the "most important" and "most impactful" parts of the legislation in a 2021 speech.

Persons: Kamala Harris, Elijah Nouvelage, Tomas Philipson, Joe Biden's, Laura Veldkamp, Harris, Donald Trump, Francesco D'Acunto, Biden, Karl Widerquist, Jacob Channel Organizations: Democratic, Afp, Getty, White House Council, Economic Advisers, CNBC, Columbia University Business School, Georgetown University, D'Acunto, Federal, Plus, American Rescue Plan, Columbia University, . Census Locations: Atlanta , Georgia, Atlanta

☆ The Federal Reserve sets the stage for a rate cut — here's what that means for your money
▼ + stars: | 2024-07-31 | by ( Jessica Dickler | ) www.cnbc.com time to read: +4 min

In the wake of the rate hike cycle, the average credit card rate rose from 16.34% in March 2022 to more than 20% today — nearing an all-time high. A recent report from the Philadelphia Federal Reserve showed credit card delinquencies at an all-time high, according to data going back to 2012. The best move for those with credit card debt is to take matters into their own hands, advised Matt Schulz, chief credit analyst at LendingTree. 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 aren't immediately affected by the Fed's moves.

Persons: Greg McBride, McBride, Matt Schulz, Jacob Channel Organizations: Philadelphia Federal, Treasury, Auto, Consumers

☆ Rush hour isn't what it used to be: Working 10-to-4 is the new 9-to-5, traffic data shows
▼ + stars: | 2024-07-29 | by ( Jessica Dickler | ) www.cnbc.com time to read: +2 min

As more commuters settle into flexible working arrangements, the traditional American 9-to-5 has shifted to 10-to-4, according to the 2023 Global Traffic Scorecard released in June by INRIX Inc., a traffic-data analysis firm. Its analysis shows fewer early morning trips and a higher volume of midday trips compared to pre-pandemic traffic patterns. Ridership sank during the pandemic, Federal Reserve Bank of St. Louis data shows, and never fully recovered. The result is a surge in traffic congestion throughout the peak midday and evening hours, according to Pishue. "Pre-Covid, the morning rush hour would be a peak and then the evening peak would be much larger," he said, describing two apexes with a valley in between.

Persons: Kevin Carter, Bob Pishue, Louis, Gallup Organizations: Getty Images, INRIX Inc, Federal Reserve Bank of St Locations: San Diego, San Diego , California

What the LIFT Act would mean todaySince the LIFT Act was first proposed in 2018, the cost of living has only sky-rocketed, hitting working-class Americans especially hard. But a tax credit like LIFT would also be extremely costly, according to Tax Policy Center estimates from 2018 and 2019. However, funding such a tax credit now could be tough amid growing concerns over the federal budget deficit. Focus on the child tax creditLIFT was first proposed years before Congress temporarily expanded the child tax credit during the Covid-19 pandemic, which could now be a bigger priority, experts say. The American Rescue Plan boosted the child tax credit to $3,000 from $2,000, with an extra $600 for children under age 6 for 2021, and families received up to half upfront via monthly payments.

Persons: Kamala Harris, Kevin Mohatt, Francesco D'Acunto, Biden, Karl Widerquist, Jacob Channel, Tomas Philipson, Laura Veldkamp, Harris, Donald Trump Organizations: West Allis Central High School, Reuters, Georgetown University, D'Acunto, Plus, White House Council, Economic Advisers, Columbia University Business School, American Rescue Plan, Columbia University, . Census Locations: West Allis , Wisconsin

☆ Paid biweekly? August may be a three-paycheck month. Here’s what to do with the 'extra' cash
▼ + stars: | 2024-07-25 | by ( Jessica Dickler | ) www.cnbc.com time to read: +1 min

If you are a W-2 employee and get paid biweekly, there are two months out of the year when you will receive three paychecks instead of the usual two. August may be one of those months. This is a great opportunity to give your financial standing a boost, experts say. If you received your first paycheck this year on January 5, your three-paycheck months will be March and August. If you received your first paycheck on January 12, 2024, your three-paycheck months will be May and September.

Persons: Winnie Sun Organizations: Sun Group Wealth Partners, CNBC, Finance Locations: Irvine , California

☆ $1 million hypothetical portfolios: How kids from wealthy families at an elite Swiss school learn about money
▼ + stars: | 2024-07-24 | by ( Jessica Dickler | ) www.cnbc.com time to read: +4 min

Research shows taking a financial education class in high school does pay off. "Let's not leave financial education to TikTok," she said. Let's not leave financial education to TikTok. Yanely Espinal director of educational outreach at Next GenMany studies also show there is a strong connection between financial literacy and financial well-being. In addition, a study by the Brookings Institution in 2018 found that teenage financial literacy is positively correlated with asset accumulation and net worth by age 25.

Persons: dem Rosenberg, dem Rosenberg Bernhard Gademann, It's, Gademann, Tim Ranzetta, Yanely Espinal, Espinal, Let's, Yanely, Christiana Stoddard, Carly Urban Organizations: dem, Finance, Research, Tyton Partners, CNBC, Financial Wellness, National Endowment, Financial Education, Financial, Investor Education Foundation, Brookings Institution Locations: St . Gallen, Switzerland

☆ Is the U.S. in a recession? Roughly 3 in 5 Americans think so, report finds
▼ + stars: | 2024-07-23 | by ( Jessica Dickler | ) www.cnbc.com time to read: +1 min

Officially, the National Bureau of Economic Research defines a recession as "a significant decline in economic activity that is spread across the economy and lasts more than a few months." But regardless of the country's economic standing, many Americans are struggling in the face of sky-high prices for everyday items, and most have exhausted their savings and are now leaning on credit cards to make ends meet. We're in a 'vibecession'Economists have wrestled with the growing disconnect between how the economy is doing and how people feel about their financial standing. We're in a "vibecession," Joyce Chang, JPMorgan's chair of global research, said at the CNBC Financial Advisor Summit in May. "If you're a homeowner or if you own financial assets, you've done very well, but you're leaving out huge segments of the population," Chang said.

Persons: Harris, Joyce Chang, JPMorgan's, Chang, that's Organizations: Guardian, National Bureau of Economic Research, CNBC, Summit Locations: U.S

☆ Here's what a Kamala Harris administration could mean for your wallet
▼ + stars: | 2024-07-22 | by ( Cnbc.Com Personal Finance Staff | ) www.cnbc.com time to read: +8 min

Harris' visit, following the attempted assassination of former President Trump, makes this her fourth trip to Michigan this year and seventh visit since taking office. However, Harris voiced some distinctions from Biden before becoming vice president, Watson noted. The vice president plans to bring more relief to borrowers, they said. Harris proposed repealing the Trump tax cuts to pay for it. — Jessica DicklerHousingHarris has been a proponent for affordable housing policies both during her tenure as vice president and as senator.

Persons: Kamala Harris, Trump, Olivia Troye, Amanda Stratton, Harris, Chris duMond, Chris Dumond, Biden, Garrett Watson, Watson, — Kate Dore, Drew Altman, Altman, She'd, Fatima Goss Graves, Roe, Wade —, Greg Iacurci, Pell Grant, Joe Biden, Miguel Cardona, Annie, Laura Veldkamp, Veldkamp, — Jessica Dickler, May, — Ana Teresa Solá Organizations: Getty, Tax, Tax Foundation, Biden, — Kate Dore Health, Affordable, Medicaid, National Women's Law, CNBC, Current U.S . Department of Education, Corinthian Colleges, U.S . Department, Corinthian, Columbia University Business School, U.S . Department of Housing, Urban Locations: KALAMAZOO , MICHIGAN, Kalamazoo , Michigan, Michigan, North Carolina, California, U.S

Ashok Kumar | Getty Images Entertainment | Getty ImagesWhat is recession pop? Recession pop largely refers to the body of music that emerged during the Great Recession, which started in late 2007 and lasted for 18 months. It's a lot of Katy Perry, and a lot of hyper, very fast music," said Lewis. Why is recession pop having a renaissance? That tension has given way to recession pop."

Persons: Taylor Swift, Ashok Kumar, Charlie Harding, Harding, Joe Bennett, Katy Perry banger, Katy Perry, Lewis, Kevin Mazur, Bennett, Diane Negra, Charli XCX, Negra Organizations: Getty, New York University Steinhardt School of Culture ,, Human, Berklee College of Music, Pepsi, University of Phoenix, Farm, University College Dublin, Google, Dow Jones, Bank of America Locations: Singapore, Glendale , Arizona, U.S

☆ The death of the personal check: As retailers move toward 'check zero,' here's what that means for you
▼ + stars: | 2024-07-19 | by ( Jessica Dickler | ) www.cnbc.com time to read: +1 min

Nadya Lukic | E+ | Getty ImagesMost Americans may not even remember the last time they wrote a check. Only 15% of adults said they wrote a few checks a month in 2023, according to a recent report by GoBankingRates. In fact, in the years since the Covid pandemic, Americans have fully embraced contactless and digital payment methods, while check writing has steadily declined into near-oblivion. Some retailers rule out paper checksAs of July 15, Target joined a growing list of retailers, including the Aldi supermarket chain, Whole Foods, Old Navy and Lululemon, that no longer accept personal checks as payment. So, if personal checks are heading toward extinction, who, if anyone, is affected?

Persons: Nadya Lukic, Target, Scott Anchin, Anchin Organizations: Getty, GoBankingRates, Aldi, Foods, Navy, Independent Community Bankers of America

☆ From 'quiet quitting' to 'coffee badging' — why employees are less interested in work
▼ + stars: | 2024-07-16 | by ( Jessica Dickler | ) www.cnbc.com time to read: +3 min

The latest example of this detachment is "coffee badging." What is coffee badging? Coffee badging is the practice of going into the office for a few hours to "show face," which could entail coffee with co-workers or sitting in on a work meeting — but then leaving to work remotely. Workers don't want to spend more time at the office"The issue isn't just about employees badging in and out; it's about what drives this lack of motivation and interest," Satterwhite said. "Without these, 'coffee badging' is just a symptom of a deeper problem."

Persons: David Satterwhite, It's, Roger Hall, Hall, Gallup, Satterwhite, pathing Organizations: Owl Labs, Employees, Finance, Workers, Research Locations: Boise , Idaho

☆ 3 money moves to make ahead of the Federal Reserve's first rate cut in years
▼ + stars: | 2024-07-15 | by ( Jessica Dickler | ) www.cnbc.com time to read: +4 min

For now, top-yielding online savings accounts and one-year CDs are paying more than 5% — well above the rate of inflation. "Money market brokerage accounts usually pay higher rates than money market or savings accounts at banks," he said in an emailed statement. "Timing your purchase to coincide with lower rates can save money over the life of the loan," Tayne said. However, lower mortgage rates could also boost home-buying demand, which would push prices higher, McBride said. "If lower mortgage rates lead to a surge in prices, that's going to offset the affordability benefit for would-be buyers."

Persons: cardholders, APRs, Tayne, Olga Rolenko, McBride, Mark Kantrowitz, Kantrowitz, Howard Hook, they've Organizations: Treasury, EKS, EKS Associates Locations: Princeton , New Jersey

☆ How a bad year for college financial aid is shaping these students' futures
▼ + stars: | 2024-07-14 | by ( Jessica Dickler | ) www.cnbc.com time to read: +6 min

However, with a sticker price of nearly $80,000 per year, including tuition, fees, and room and board, Montiel-García, like many college hopefuls, needed financial aid to bring the cost down. Because of problems with the new form, financial aid award letters were delayed and some high school seniors, like Montiel-García, had trouble applying for any aid at all. In previous years, financial aid award letters were sent out at about the same time as admission letters, meaning students had several weeks to compare offers ahead of National College Decision Day, the deadline for most admitted students to decide on a college. Because of the extensive delays this year, some students won't get their final financial aid award letter until the end of August, the U.S. Department of Education said in a recent update. The high school graduate from Riverdale Park, Maryland, secured enough additional funding from the Maryland College Aid Processing System to afford his top choice school: Towson University.

Persons: Ramon Montiel, García Ramon Montiel, Montiel, García, —, NCAN, Laura Ipsen, Eric Greenberg, Andrea Garcia, Garcia, Emory doesn't, Mark Kantrowitz, Greenberg, mani Murphy, Murphy Organizations: KIPP, Denver Leadership Academy, Colorado ., KIPP Northeast Denver Leadership Academy, Wheaton College, Federal Student Aid, Wheaton, University of Colorado, National College, Greenberg Educational Group, U.S . Department of Education, Emory University, Education Department, Riverdale, Maryland College, Towson University Locations: García, Colorado, Massachusetts, U.S, Montiel, Denver, New York, Atlanta, Ky, Riverdale Park , Maryland, Towson

☆ Nearly half of Gen Zers get help from the bank of mom and dad, report finds
▼ + stars: | 2024-07-10 | by ( Jessica Dickler | ) www.cnbc.com time to read: +3 min

watch nowTo keep up with the high cost of living, many young adults turn to a likely safety net: their parents. "The high cost of living is certainly impacting Gen Z," said Holly O'Neill, president of retail banking at Bank of America. The financial institution polled more than 1,000 Gen Z adults in April and May. Even compared with millennials, Gen Zers are spending significantly more on necessities than young adults did a decade ago, other reports show. Fewer Americans feel financially comfortable overallBut it's not just Gen Z struggling.

Persons: Zers, —, Holly O'Neill, millennials, Gen Zers, homeownership, Brett House, O'Neill, Z, it's, Bankrate Organizations: Bank of America, New York Fed, Columbia Business School, Finance

☆ More Americans are struggling even as inflation cools — here’s why
▼ + stars: | 2024-07-09 | by ( Jessica Dickler | ) www.cnbc.com time to read: +2 min

Inflation is slowing down, but prices are still high — and likely to stay that way. However, even a broad pullback in price increases underscores another bitter reality: We're still paying more for many goods and services with little relief in sight. "Cooling inflation is not the same as a substantial reduction in prices," said Mark Hamrick, senior economic analyst at Bankrate. Here's what experts say I should doThis 'bucket strategy' could lower your taxes in retirementIndeed, the rate of price increases for food has subsided. Monthly "food at home" inflation has been near 0% for the past four months, according to the latest government inflation data.

Persons: That's, We're, Mark Hamrick Organizations: Finance, New York Locations: York

Klaus Vedfelt | Digitalvision | Getty ImagesAlthough the unemployment rate has spent 30 months at or below below 4% — a near record — not everyone who wants a job has one. Others, alternatively, are well-qualified but often younger candidates who are struggling to find positions, comprising a contingent of "new unemployables," according to a recent report by Korn Ferry. 'NEETS' feel 'left out and left behind'Still, some young adults in the U.S. are neither working nor learning new skills. In 2023, about 11.2% of young adults ages 15 to 24 in the U.S. were considered as NEETs, according to the International Labour Organization. In other words, roughly one in 10 young people are "being left out and left behind in many ways," Bustamante said.

Persons: Klaus Vedfelt, Korn, Alí Bustamante, Bustamante, that's, Biden's, Julia Pollak, Pollak, David Ellis, Korn Ferry Organizations: Digitalvision, Worker Power, Economic Security, Roosevelt Institute, U.S . Bureau of Labor Statistics, International Labour Organization, Finance, Here's, Trump, Employers, National Association of Colleges Locations: New York City, U.S

☆ The 'funflation' effect: Why Americans are spending so much on travel and entertainment this summer
▼ + stars: | 2024-06-26 | by ( Jessica Dickler | ) www.cnbc.com time to read: +2 min

Taylor Swift fans queue outside Murrayfield Stadium in Edinburgh, Scotland, on June 6, 2024. Jeff J Mitchell | Getty Images News | Getty ImagesThe price of 'funflation'Some ticket prices have surged in recent months, according to federal data. Why Americans go all out on entertainmentDespite rising costs, 38% of adults said they plan to take on more debt to travel, dine out and see live entertainment in the months ahead, according to a report by Bankrate. Taylor Swift performs on stage at Wembley Stadium in London on June 22, 2024. Kevin Mazur | Getty Images Entertainment | Getty Images"There's still a lot of demand for out-of-home entertainment," Ted Rossman, senior industry analyst at Bankrate, recently told CNBC.

Persons: Taylor Swift, Jeff J Mitchell, Taylor, Bankrate, Kevin Mazur, Ted Rossman, Rossman Organizations: Murrayfield, Getty, Bureau of Labor Statistics, CPI, Bankrate, Wembley, CNBC Locations: Edinburgh, Scotland, U.S, London

☆ Concerns about inflation peak as Americans struggle to shake off a 'vibecession'
▼ + stars: | 2024-06-25 | by ( Jessica Dickler | ) www.cnbc.com time to read: +1 min

Concerns about inflation and interest rates are now at a two-year high, according to a recent report by credit reporting agency TransUnion. Although Americans have seen their buying power rise amid cooling inflationary data and a strong job market, 84% of all adults still rank inflation among their top concerns, followed by housing prices and interest rates, TransUnion's consumer pulse study found. "There continues to be positive progress against bringing down inflation," said Charlie Wise, senior vice president and head of global research and consulting at TransUnion. Relief for those hardest hitMeanwhile, the Federal Reserve's string of 11 rate hikes since 2022, coupled with higher inflation, have hit working-class Americans particularly hard. Many of these households have exhausted their savings and are now increasingly leaning on credit cards to make ends meet.

Persons: Charlie Wise, Joyce Chang, JPMorgan's, that's, Chang Organizations: TransUnion, CNBC

☆ The best private and public colleges for financial aid: Some 'have really stepped up,' expert says
▼ + stars: | 2024-06-24 | by ( Jessica Dickler | ) www.cnbc.com time to read: +2 min

watch nowOngoing problems with the new Free Application for Federal Student Aid have delayed financial aid award letters — and have even prevented many high school seniors and their families from applying for aid at all. Yale UniversityLocation: New Haven, ConnecticutSticker price: $87,150Average need-based scholarship: $71,577Average total out-of-pocket cost: $15,573 2. Vassar CollegeLocation: Poughkeepsie, New YorkSticker price: $85,220Average need-based scholarship: $61,252Average total out-of-pocket cost: $23,968 3. Williams CollegeLocation: Williamstown, MassachusettsSticker price: $85,820Average need-based scholarship: $70,764Average total out-of-pocket cost: $15,056 4. Pomona CollegeLocation: Claremont, CaliforniaSticker price: $86,814Average need-based scholarship: $65,925Average total out-of-pocket cost: $20,889 5.

Persons: Robert Franek, Yale University Yana Paskova, Stringer, Win McNamee Organizations: Federal, Aid, National College, Princeton, Yale University, Vassar College, Williams, Pomona, California Institute of Technology, University of Virginia, Getty Locations: New Haven , Connecticut, Poughkeepsie , New York, Williamstown , Massachusetts, Claremont , California, Pasadena , California, Charlottesville , Virginia

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