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☆ The 'bummer' of the $7,500 electric vehicle tax credit: Its full value may be hard to get
▼ + stars: | 2022-10-15 | by ( Greg Iacurci | ) www.cnbc.com time to read: +6 min

But it may be tough for consumers to get the full value of the tax credit — at least initially. The tax credit 'bummer': It's nonrefundableThe legislation, called the Inflation Reduction Act, made the tax credit "nonrefundable." This person wouldn't get the full $7,500 tax credit — they'd be able to claim $5,000 and cut their tax bill to zero. More from Personal Finance:Missed a tax credit from last year? It's unclear which electric vehicles will meet these standards and qualify for a tax credit next year.

☆ Congress is still considering changes to the retirement system, including catch-up contributions
▼ + stars: | 2022-10-10 | by ( Sarah O'Brien | ) www.cnbc.com time to read: +8 min

Tom Brenner | ReutersThere's still a decent chance that changes to the U.S. retirement system will be enacted before the end of the year. "There's still tremendous bipartisan interest in doing another retirement security bill," said Paul Richman, chief government and political affairs officer for the Insured Retirement Institute. Upping the catch-up contribution anteNosystem Images | E+ | Getty ImagesCurrently, retirement savers age 50 or older can make so-called catch-up contributions to their retirement savings. The House bill would expand the 401(k) catch-up to $10,000 for individuals who are age 62, 63 or 64. The Senate proposal differs by allowing people from age 60 through age 63 make the extra $10,000 catch-up contribution.

☆ 10 best credit cards for bad credit of September 2022: Secured and unsecured cards, including some that earn cash back or flexible points
▼ + stars: | 2022-09-27 | by ( Holly Johnson | Jasmin Baron | Freelance Writer | ) www.businessinsider.com time to read: +56 min

Best secured card with flat cash-back earning: Capital One Quicksilver Secured CardThe Capital One Quicksilver Secured Cash Rewards Credit Card is a new secured credit card that doesn't charge an annual fee, and it earns 1.5% cash back on all other purchases with no limits. This credit card comes with no annual fee and no hidden fees, yet it's a Visa credit card that can be used anywhere Visa is accepted worldwide. How to choose the right credit card if you have bad creditBefore you pick the best credit card for your situation, you'll want to decide if you want a secured or unsecured credit card. A secured credit card is a type of credit card that requires a cash deposit as collateral. To avoid paying interest on purchases made with a credit card, you need to pay your credit card statement balance in full each month.

☆ UniCredit focused on "internal delivery", open to M&A in all its markets
▼ + stars: | 2022-09-21 | by ( ) www.reuters.com time to read: +1 min

REUTERS/Dado Ruvic/Illustration/File PhotoROME, Sept 21 (Reuters) - UniCredit (CRDI.MI) is focused on delivering targets set under its business plan, though it remains ready to seize M&A opportunities in all the markets where it operates, CEO Andrea Orcel said on Wednesday. read moreOrcel said he had not deviated from his standard message that M&A can provide a way to accelerate growth in all the markets where UniCredit is present if opportunities arise "at the right conditions." "We're a lot more focused on internal delivery," he said. "When I took this job, UniCredit's stance was 'no M&A' while I said that at the right conditions M&A can be an accelerator. This, together with the fact that I've done my fair share of M&A deals in the past, made everyone think we would do deals, that a financial tsunami was on the cards."

The CareCredit card from Synchrony Bank offers financing for a wide variety of health-related expenses, from beauty treatments to medical procedures to pet care. It offers financing for health, wellness, and beauty-related treatments and other procedures that aren't covered by your insurance. While the CareCredit card is primarily for the main cardholder, it's possible for other family members to use the card for their healthcare needs as well. Long-term financing: reduced interestWith this financing option, you're also given a fixed minimum monthly payment based on your balance and the duration of time you choose. CareCredit offers a 60-month term option, but that is only for purchases of $2,500 or more.

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