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A national debt crisisAmericans are facing a credit card debt crisis, with millennials and Gen Z at the forefront of the struggle. If you're a consumer with average credit who tends to carry a credit card balance, McCarthy recommends seeking options for lower-interest repayment. If the Fed lowers interest rates as anticipated, you can expect personal loan interest rates to drop slightly, regardless of your credit score. "Many consumers struggling with high-interest debt have expressed confusion surrounding credit card APRs, and credit card companies are happy to keep it that way." "Many consumers believe that making the minimum payment is an effective way to manage their credit card debt," Elliot said.

Persons: —, Z, James McCarthy, McCarthy, Jeremy Schneider, Schneider, Sophia Bera Daigle, Daigle, you've, Mark Elliot, Elliot Organizations: Federal, Service, Federal Reserve, Consumer Financial Protection Bureau, National Foundation, Credit, JPMorgan Chase, Capital Locations: millennials, U.S

☆ Her teenage summer crush unexpectedly came back into her life. ‘I felt like I was reconnecting with my best friend’
▼ + stars: | 2024-09-13 | by ( Francesca Street | ) edition.cnn.com time to read: +19 min

He remembers the way she walked down the beach, recalls noticing her immediately, wanting to talk to her. “We’d download songs and listen to the album at the same time,” recalls Vlad. “The emotion was really, really intense. Iga OlszakWhile Vlad and Iga were together in Germany, they talked about the potential of Iga visiting Vlad in the US. “He created that space for me where it felt really good and I finally felt okay to say the truth,” she says.

Persons: Iga Olszak, Vlad Dimovski, Iga, Vlad, “, Skotina, ”, ” Vlad, ” Iga, …, wasn’t, –, that’s, ’ ”, Vlad’s, She’d, he’d, Iga –, weren’t, they’d, Olszak, I’d, who’d, ”, “ I’d, Will, ’ ” Vlad, Luca, Klara, They're, – he’d, “ I’m, we’ve Organizations: CNN, CNN Travel, “, Facebook Locations: Skotina, Greece, Poland, North Macedonia, Mount Olympus, Iga, Germany, Chicago, Republic of Macedonia, Europe, Bielefeld, “, Florida, Macedonia, pouting

The Fed is expected to cut rates multiple times this year and in 2025, which means mortgage rates should continue decreasing. Will mortgage rates drop when the Fed cuts rates? If he or other Fed officials indicate that bigger rate cuts could be coming, mortgage rates may inch down. How Fed rate cuts affect mortgage ratesChanges to the federal funds rate don't directly impact mortgages, but mortgage rates tend to trend up when the Fed raises rates and go down when it lowers rates. The Fed could lower rates substantially by the time we reach the 2025 buying season, which means mortgage rates may be a lot lower, too.

Persons: Freddie Mac, Dan Burnett, Burnett, Jerome Powell, Powell, Fannie Mae, Scott Haymore Organizations: Fed, Federal Reserve, Housing Survey, TD Bank

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

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

☆ Sometimes I think I love my mother-in-law more than I love my husband. She appreciates my hard work.
▼ + stars: | 2024-09-13 | by ( Kimberly Delarosa | ) www.businessinsider.com time to read: +5 min

Yolanda is a woman who raised four kids primarily on her own, while also attending school to become a mammogram technician. I would tidy up around the house as much as possible and offered to help with any tasks she needed. My son loves his grandmaWhile my husband was having a hard time accepting our son's diagnosis, Yolanda was reading and researching along with me. Yolanda knows the reality of having a full-time job and being a full-time parent simultaneously, always wondering whether you're making the right choice every day. AdvertisementAnd because she knows this, she has never let my hard work go unnoticed.

Persons: Yolanda, Will, hysterically, Gaga Organizations: Service

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

☆ Lil Wayne says it 'hurt' that Kendrick Lamar was picked to perform at the Super Bowl. Here's what to know about the controversy.
▼ + stars: | 2024-09-13 | by ( Callie Ahlgrim | ) www.businessinsider.com time to read: +9 min

Read previewEarlier this week, Kendrick Lamar was confirmed as the headliner for the next Super Bowl halftime show. AdvertisementMany hip-hop fans had hoped that Lousiana native Lil Wayne would be the chosen headliner — a hope that Lil Wayne said he shared. Here's a breakdown of the controversy's key points and everything you need to know about the Lamar vs. Wayne debate. Lil Wayne, Nicki Minaj, and Drake at the 2017 Billboard Music Awards. LIL WAYNE!!!!!!!!!!

Persons: —, Kendrick Lamar, Lamar, Drake, Lil Wayne, I'm, Wayne, Lamar hasn't, Critics, Wayne hasn't, Jay, Uzi, Lil Yachty, Ty Dolla, Nicki Minaj, Minaj, Kevin Mazur, Dre, Cam'ron, Wayne —, Nicki, LIL WAYNE, Nola what's, Johnny Nunez, Mike Freeman, Roc, Z, Z's, Joe, Fabolous, Roger Goodells Organizations: Service, Business, Lamar, Future, Metro Boomin, NFL, ign, Young Money Entertainment, Money Records, ppl, SoFi, West, Entertainment, Birdman, Cash, Wayne, BIRDMAN, The Recording, USA, Young, NPR, Jay Locations: New Orleans, Lamar, Los Angeles, Compton , California, City of New Orleans, Atlanta, Las Vegas

☆ I insisted on a prenup with my future husband. I make more than him and want to protect my assets.
▼ + stars: | 2024-09-13 | by ( Jen Glantz | ) www.businessinsider.com time to read: +6 min

I heard stories from other entrepreneurs about how they built a business, got married without a prenup, and later divorced. I promised myself that when I met my future partner, we'd sign a prenup before we married. You hear stories of people being offended by the idea of a prenup, but my fiancé didn't care at all. AdvertisementWhile I'm excited to share my money and assets with my partner and plan to split our bills and expenses, I still want to protect my assets if something happens. My fiancé decided not to get his own attorneyWhile I chose to hire a lawyer, my fiancé decided not to hire his own.

Persons: —, Ashley Mason, That's, I've, fiancé, we've, Prenups aren't, We're, we're, Lauryn Haas Organizations: Service, Business, lhaas Locations: Massachusetts

☆ As a single mom, having 3 kids makes it hard to get work done. I wouldn't trade them for all the productivity in the world.
▼ + stars: | 2024-09-13 | by ( Allison Langer | ) www.businessinsider.com time to read: +7 min

Yesterday, I got to my desk, ready to put the last touches on the book I'm writing with my friend Clifton Jones, who is in prison in Florida and goes by the name "Too Tall." I'm not that mom who heads to the pediatrician the second my kid complains. Even when I carve out time for work, the universe has other plansFor a second, I considered sending her there alone. I really thought I'd be ready to push my firstborn out the door, but it turns out I'm not that mom, after all. He's ready, I know that, but I'm still sad he's leaving.

Persons: Clifton Jones, texted, hadn't, I'm, It's, puffy, Bond, he's, I've, Allison Langer, it's, he'd, I'd, We're, Fleisher Organizations: Service, Business, Walgreens, Nice Locations: Florida, Hood River , Oregon

☆ 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

☆ A man who retired at 36 built 3 passive-income streams to ditch his full-time job decades early
▼ + stars: | 2024-09-13 | by ( Business Insider | Stephanie Hallett | ) www.businessinsider.com time to read: +5 min

He took his earnings and invested them in ways that would continue to generate passive income. His main source of passive income is real-estate investmentsIn 2020, Quan earned $59,000 from investing in real estate, making up 78% of his passive income. "My general approach to ETFs is that I want a mix of growth and dividend ETFs so that I have a balanced approach within the portfolio. It's really about being balanced, because the markets grow in different ways," Quan said. In 2020, his online passive income streams generated about $10,000.

Persons: —, Michael Quan, Quan Organizations: Service, Business Locations: Nevada, Airbnb, Venice , California, San Antonio

☆ THEN AND NOW: The cast of 'Holes' over 20 years later
▼ + stars: | 2024-09-13 | by ( Kirstie Renae | ) www.businessinsider.com time to read: +1 min

Max Cisotti/Dave Benett/Getty ImagesAfter "Holes" was released, LaBeouf continued his acting career in "The Even Stevens Movie" (2003), "I, Robot" (2004), "Constantine" (2005), and "Disturbia" (2007). Beyond film, in 2014, LaBeouf began doing performance art pieces with Finnish artist Nastja Säde Rönkkö and British artist Luke Turner. In 2019, the actor earned critical acclaim for his autobiographical film "Honey Boy," which he both starred in and wrote the screenplay for. Recently, LaBeouf starred in "The Tax Collector" (2020) and "Pieces of a Woman" (2020). In more recent years, the actor starred in "Padre Pio" (2022) and "Megalopolis" (2024), which just made its rounds at Cannes and the Toronto Film Festival.

Persons: LaBeouf, Max Cisotti, Dave Benett, Stevens, Constantine, Indiana Jones, Lawless, McEnroe, Nastja Säde Rönkkö, Luke Turner, Maddie Ziegler, Padre Pio Organizations: New York Times, Cannes, Toronto Film Locations: Kingdom, British

☆ How Elon Musk fumbled his purchase of Twitter — and apparently gave Grimes's baby name to his other child
▼ + stars: | 2024-09-13 | by ( Katie Notopoulos | ) www.businessinsider.com time to read: +9 min

Kate Conger and Ryan Mac are the authors of "Character Limit: How Elon Musk Detroyed Twitter." AdvertisementKatie Notopoulos: You've both reported on Elon Musk and his companies for a long time. Notopoulos: Everyone's talking about "Founder Mode" lately, the idea of running a company like it's still in its early days instead of scaling to "manager mode." Musk comes in and wants to go "extremely hardcore," his version of Founder Mode, but it hasn't really worked out. [Business Insider first reported the news that Elon Musk had twins with Zilis, an executive at Neuralink.]

Persons: you've, Twitter —, Kate Conger, Ryan Mac, Elon, Elon Musk, Conger, Mac, Katie Notopoulos, You've, Musk, Jack Dorsey, hasn't, he's, JJ Geiger, …, It's, Grimes, Shivon, Alice Zilis, Valkyrie, Claire Boucher, Jesus Organizations: Service, Elon, Twitter, The New York Times, Business, SpaceX, Tesla, Penguin Press, Street, Neuralink Locations: Elon Musk's, Conger

First Tech Personal Loan AlternativesFirst Tech Personal Loan vs. Navy Federal Credit Union Personal LoanYou can get the smallest loan amount with Navy Federal Credit Union, as the credit union offers loans as small as $250. Navy Federal Credit Union Personal Loan ReviewFirst Tech Personal Loan vs. PenFed Credit Union Personal LoanYou can qualify to join First Tech simply by joining the Financial Fitness Association for $8, though you may also be eligible if you live or work in certain parts of Oregon. PenFed Credit Union Personal Loan ReviewFirst Tech Personal Loan Check rates Compare rates from participating lenders via Fiona. First Tech Credit Union Customer ExperienceIs First Tech Credit Union Trustworthy? First Tech Personal Loan FAQsWhat credit score do I need for a First Tech personal loan?

Persons: Fiona, Insider’s, You'll, PenFed, you've, Trustpilot, you'll Organizations: First Tech Federal Credit Union, Financial, Tech, First Tech, First Technology Federal Credit Union, Tech Federal Credit Union, Google, Apple Stores, Better, nab, Microsoft, Intel, State of, Computer History, Association, Social, . Navy Federal Credit, Navy Federal Credit Union, Navy Federal, Department of Defense, Navy Federal Credit, PenFed, you'll, First Tech Credit, Tech Credit Union, First Tech Credit Union doesn't, Better Business Bureau, First Tech Credit Union, Chevron, History Locations: Oregon, Lane County , Oregon, State of Oregon

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

☆ Life feels darker in Springfield, Ohio, since Trump made it his wildest debate talking point, locals say
▼ + stars: | 2024-09-13 | by ( Joshua Nelken-Zitser | ) www.businessinsider.com time to read: +7 min

But now, the once-quiet Ohio town located between Dayton and Columbus has been catapulted out of obscurity for a wildly different reason. AdvertisementThe chaos reached a fever pitch on Tuesday night after Trump mentioned Springfield during his presidential debate with Vice President Kamala Harris. AdvertisementAn AI-generated image of former President Donald Trump carrying cats away from Haitian immigrants, a reference to falsehoods spread about Springfield, Ohio. Springfield, Ohio, has a population of a little under 60,000. halbergman/Getty ImagesOne of the good things, she added, is the work being done by some residents to support Haitians living there. Springfield's Haitian community, against their will, is the collateral damage.

Persons: —, Sara Bear, Donald Trump, Kamala Harris, ziJmaDEPV3 — AJ Huber, Trump, REBECCA, Bear, ROBERTO SCHMIDT, Springfield —, Jessica Eikleberry, It's, Olivia Parkinson, Parkinson, Marjory Wentworth, Wentworth, Sen, JD Vance, Marco Lapaix, Lapaix Organizations: Service, Springfield, Business, BI, Springfield Facebook, Trump, Washington Post . Police, Hall, Getty, Facebook Locations: Springfield, Ohio, Dayton, Columbus, Springfield ., Haitian, Springfield , Ohio, Springfield's, Mexican, Nazi

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. 30-Year Mortgage Rates TodayAverage 30-year mortgage rates are around 5.70% today, according to Zillow data. 15-Year Mortgage Rates TodayAverage 15-year mortgage rates finally dipped below 5% this week, according to Zillow data. Average Refinance Mortgage Rates TodayRefinance rates have also been lower in September. 5-Year Mortgage Rate TrendsHere's how 30-year and 15-year mortgage rates have trended over the last five years, according to Freddie Mac data.

Persons: Jerome Powell's, you'll, they've, Freddie Mac, it's, They'll Organizations: Federal Reserve, Zillow, Fed Locations: Chevron

☆ Pair of rare Amur tiger cubs debuting at Minnesota Zoo raise hopes for the endangered species
▼ + stars: | 2024-09-12 | by ( Https | Media-Cldnry.S-Nbcnews.Com Image Upload Newscms Ap-Live-Blog-Byline-Image.Png | The Associated Press | ) www.nbcnews.com time to read: +3 min

APPLE VALLEY, Minn. — A pair of rare Amur tiger cubs are making their public debut at the Minnesota Zoo, raising hopes for preserving an endangered species that’s native to far eastern Russia and northern China. It’s tricky to breed them, and around one in four Amur cubs don’t make it to adulthood, whether it’s in the wild or in captivity, she said. Three-month-old Amur tiger cubs Amaliya explores her outdoor enclosure for the first time with their mother Dari at the Minnesota Zoo in Apple Valley, Minn. on Thursday. Its Amur tigers have produced 57 cubs, 46 of which survived for at least 30 days. The births of Andrei and Amaliya raised the zoo’s population to seven Amur tigers, including their sire, Luka.

Persons: Andrei, Amaliya, “, Trista Fischer, Dari’s, She’s, we’ve, Mark Vancleave, Luka, Fischer, ”, Zach Nugent, “ Aww, ” Fischer Organizations: Minnesota Zoo, Star Locations: APPLE, Minn, Russia, China, Apple Valley, Minneapolis, Apple, United States, Malayan

☆ Georgia school shooter Colt Gray hid an AR-15 in his backpack and left class the morning of the deadly rampage
▼ + stars: | 2024-09-12 | by ( Rebekah Riess | Holly Yan | ) edition.cnn.com time to read: +3 min

“Colt Gray brought the gun into the school on his own. The assault-style rife could not be broken down, but Gray hid it in his backpack,” the bureau said Thursday. Republican wants new gun safety measuresAt least 389 mass shootings have taken place so far this year, according to the Gun Violence Archive, which defines mass shootings as those in which four or more victims are shot. That’s an average of more than 1.5 mass shootings every day. In light of the Apalachee High School killings, Georgia House Speaker Jon Burns called for new gun safety and mental health measures in a letter to fellow Republicans.

Persons: Gray, “ Colt Gray, “ Gray, ” Gray, Colin Gray, ”, Colt Gray, Jon Burns, “, ” Burns, Burns, Gloria Butler, CNN’s Jamiel Lynch Organizations: CNN, Apalachee High School, Georgia Bureau of Investigation, Republican, Apalachee, Georgia House Republican Caucus, Democratic, Georgia State Capitol Locations: Georgia, Winder , Georgia, Barrow County

☆ Stocks linked to the economy are acting poorly, especially this bellwether, according to the charts
▼ + stars: | 2024-09-12 | by ( Carter Braxton Worth | ) www.cnbc.com time to read: +2 min

Year to date, the S & P 500 machinery group is up only 8% versus the S & P 500 industrial sector, which is up 12%. The S & P 500 itself which is up 16%. We remain underweight industrials generally, and machinery stocks specifically. Here's S & P 500 machinery industry comprising 17 stocks with a total market capitalization of $764 billion: The 2-panel chart below depicts the S & P 500 machinery industry marking new highs the past 18 months, yet a series of lower relative highs to the market. Top Panel: S & P 500 Machinery Industry Group Bottom panel: Machinery's Relative Performance to the S & P 500 Index Caterpillar chart below... we're sellers here.

Persons: Here's, Carter Braxton Worth Organizations: Caterpillar, Machinery Industry, CNBC, NBC UNIVERSAL Locations: U.S

☆ Why we started a position tied to housing and where we see this stock going
▼ + stars: | 2024-09-12 | by ( Jeff Marks | ) www.cnbc.com time to read: +6 min

We started buying Home Depot shares last week as a play on housing and interest rates. Our Home Depot investment thesis is all about a pickup in housing turnover, the main driver of the home improvement retailer's sales. When rates went below 6.5% toward the end of last year, he explained, there was an immediate increase in housing activity, mortgage applications, and mortgage refinance applications. Mortgage rates with a 5% handle could be on the horizon, at least that's what Toll Brothers CEO Doug Yearley thinks. With these numbers, it's easy to see why Decker is optimistic that activity will normalize, and housing turnover and remodel activity will pick-up again.

Persons: Ted Decker, Doug Yearley, Yearley, Decker, Lowe's, Jim Cramer's, Jim Cramer, Jim Organizations: Home Depot, Dow, Depot, Toll, Home, Management, CNBC

☆ I traveled to Turkey for a nose job. It caused a powerful transformation in my confidence and career.
▼ + stars: | 2024-09-12 | by ( Lauren Crosmedlicott | ) www.businessinsider.com time to read: +6 min

Seven years ago, I traveled to Turkey to get a nose job. AdvertisementThe bend in my nose wasn't particularly noticeable to others as I became an adult, but I constantly compared my nose to others. During and immediately after the divorce, I went through the grief process, unpicking and introspectively evaluating myself and my life. Getting a nose job was a powerful transformationI traveled to Istanbul, where I'm originally from, for the surgery. If it hadn't been for my nose job, I wouldn't have taken risks as a fashion designer or had the confidence to change careers.

Persons: —, Elif Köse, I'd, TK Maxx, Maxx, I've Organizations: Service, Business Locations: Brighton , England, Turkey, Istanbul, New York, Paris

☆ Apple's new update is finally making it easier to repair your broken iPhone on your own
▼ + stars: | 2024-09-12 | by ( Grace Eliza Goodwin | ) www.businessinsider.com time to read: +1 min

With the iOS 18 update, Apple is making it easier to repair your own iPhone, without the headache. The "Repair Assistant" feature will recognize genuine iPhone parts, allowing them to function properly. download the app Email address Sign up By clicking “Sign Up”, you accept our Terms of Service and Privacy Policy . AdvertisementApple is finally allowing customers to repair or replace parts in their iPhones without (as much) of a headache. The new feature, which Apple first announced in April, will run through a calibration process to authenticate genuine new or used iPhone parts users have installed on their own.

Persons: —, MacRumors Organizations: Apple, Service, Business

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

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