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The specific cruise ship you go on — and the room you're in — can determine what kind of time you have. Research your shipWhen you cruise, the ship is your hotel, your mode of transportation, your restaurants, and oftentimes, it provides professional entertainment, too. Your cruise ship isn't merely a way to get from point A to point B. If you can, avoid a noisy cabin right under the pool or on a deck right above or below the theater." Most cruise drink packages don't begin until you leave ports of call, so you can usually only get included drinks while you're sailing.

Persons: —, I've, Judy Schwartz, Schwartz, lounging, You'll, she's Organizations: Service, U.S, Royal Locations: —, Hawaii, Alaska, Scotland, Ireland, Norwegian, Bahamas, Labadee, Haiti, Royal Caribbean, France, Tallinn, Estonia

Over the last few months, mortgage rates have dropped dramatically, going from near 7% to below 6%. 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. You can calculate this by dividing your closing costs by the amount you're saving on your monthly mortgage payment. 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. Now that the Fed has started lowering its benchmark rate, mortgage rates are down.

Persons: they've, Freddie Mac Organizations: ADP, Federal Reserve, Zillow, ARM, Federal Housing Administration, Department of Veterans Affairs, Fed Locations: Chevron

☆ If you liked the first Joker movie, critics say you'll hate the sequel
▼ + stars: | 2024-10-04 | by ( Jason Guerrasio | ) www.businessinsider.com time to read: +8 min

"Joker: Folie à Deux" opens in theaters Friday. Here's a sampling of what critics think of "Joker: Folie à Deux," which is in theaters now. "'Joker: Folie à Deux' often recalls the series finale of 'Seinfeld,' insofar as it puts its main character on trial for his former misdeeds," he wrote. Related stories'Folie à Deux' really is a musical — just not a good onePhoenix and Gaga in "Joker: Folie à Deux." It's definitely not a movie for the fansGaga and Phoenix in "Joker: Folie à Deux."

Persons: Joaquin Phoenix, Lady Gaga, Harley Quinn, —, Oscar, Todd Phillips, Arthur Fleck, Gaga's Lee Quinzel, Fleck, Warner, Phillips, Nick Schager, Arthur couldn't, IndieWire's David Ehrlich, Pete Hammond, TIME's Stephanie Zacharek, Johnny Oleksinski, Gaga, Lee, Niko Tavernise, Alison Willmore, Hollywood Reporter's David Rooney, Gaga tamps, Richard Lawson, Arthur's, Lawson, Arthur, It's, Critics, He's, he's, Variety's Owen Gleiberman, BBC's Nicholas Barber, it's, TIME's Zacharek Organizations: Rotten, Service, DC Comics, Phoenix, Arkham, Warner Bros, coy, New York, MGM, Miss, Hollywood Locations: CinemaCon, Miss Saigon

☆ I never knew about eye floaters until I woke up with lines and dots in my eyesight. Here's what I learned about my new condition.
▼ + stars: | 2024-10-04 | by ( Molly Millar | ) www.businessinsider.com time to read: +4 min

download the app Email address Sign up By clicking “Sign Up”, you accept our Terms of Service and Privacy Policy . I've since found I have a condition known as eye floaters, one I share with as much as 76% of the population — and not just for people over 50, as they're generally associated with. Once you've got a few clumps and strands inside the eye, you start to see those as floaters." Brenna Terry, 30, has had "cobwebby" eye floaters her whole life, which she hasn't raised with her optometrist. AdvertisementFor some, the condition can interfere with their daily tasksFor some people, the condition can be far more distressing.

Persons: —, Ceri Smith, Jaynes, you've, I'd, Brenna Terry, I've, Jared Casto, you'll, Terry, Casto Organizations: Service, Association of Optometrists

Self-cleaning featureThe Braun Series 7 has a charging base that doubles as a cleaning stand. The biggest improvement in the design is the new 360° Flex Head shaver, which contours to the curves of your face and neck. You can read my full review of the Braun Series 9 here. Whether you like a completely clean shave or neatly trimmed facial hair, you can achieve your desired style with it. I recommend the Braun Series 7 (7071cc) to anyone looking to buy their first electric shaver or to upgrade from an older shaver, even if it's the previous Series 7 model.

Persons: shaver, you'll, You'll, trimmer, Braun, Amir Ismael, barbershops Organizations: Business, Braun, AutoSense Technology, shaver

Learn moreCould this be the end for the Las Vegas Aces? Below, we've put together everything you need to know about where to watch the New York Liberty vs. Las Vegas Aces, including how to live stream it. How to watch New York Liberty vs. Las Vegas Aces in the USThe New York Liberty vs. Las Vegas Aces game will air at 9:30 p.m. ESPN2 is available as a part of most major cable plans, but if you don't have access, you can live stream the network through a month-to-month live TV package. Sling is the cheapest way you can live stream ESPN2.

Persons: we've, they'll, VPNs, ExpressVPN Organizations: Business, Las Vegas Aces, WNBA, New York Liberty, Aces, Liberty, The Aces, Sun, Lynx, ESPN2, DirecTV, ESPN, Fubo, DirecTV Stream Locations: New York

☆ Mark Cuban took his wife to White Castle to see 'if you really love me'—now they've been married for 22 years
▼ + stars: | 2024-10-04 | by ( Natalie Wu | ) www.cnbc.com time to read: +1 min

For Mark Cuban, it was all about a simple 100% USDA beef patty slider. When Cuban married his wife, Tiffany Stewart, he'd been a billionaire for roughly three years. He had one question for her before they tied the knot, he told the "Club Shay Shay" podcast last week: Would she go to White Castle with him? "We're going to White Castle, and if you really love me, you'll eat a White Castle burger," said Cuban, 66. Twenty-two years and three children later, Cuban and Stewart are still married.

Persons: Mark Cuban, Cuban, Tiffany Stewart, he'd, Shay Shay, Broadcast.com, Stewart, Robert Wickham, you'll, Wickham Organizations: Cuban, CompuServe, Yahoo, Indiana University, Northern Arizona University, CNBC Locations: White, Pittsburgh

The New York Mets vs. Milwaukee Brewers game airs on ESPN in the US. How to watch Mets vs. Brewers in the USCord-cutters can still live stream ESPN by subscribing to a live TV package like Sling TV, DirecTV Stream, or Fubo. Check price at FuboHow to watch Mets vs. Check price at ExpressVPNHow to watch Mets vs.

Persons: We've, you'll, ExpressVPN Organizations: Business, MLB, Mets, Brewers, . Brewers, New York Mets, Milwaukee Brewers, National League Central, National League East, Philadelphia Phillies, National League, The New York Mets, . Milwaukee Brewers, ESPN, DirecTV, ESPN2, ESPN3, DirecTV Stream, DirecTV ESPN

While there's no universal minimum credit score to rent an apartment, landlords generally prefer applicants with a good credit score, which is at least 670. How to improve your credit score for rentingIf your credit score isn't stellar right now, don't worry. The average credit score of a Gen Z consumer is 680 compared to the average baby boomer's credit score of 745. Credit builder loans and rent reporting companies can help you add credit history to your credit report. Frequently asked questions about apartment credit score requirementsCan you rent an apartment if you do not have credit?

Persons: —, TransUnion, Kendall Meade, Jay Zigmont, Jennifer, Read Organizations: Fair, Childfree, Business, Yahoo, Finance, CBS, MSNBC, CNBC, Forbes, Black Enterprise, USA, The Johns Hopkins University Carey School of Business, Business Journalists Locations: AnnualCreditReport.com, SoFi, Chevron, America, TheGrio, New York City

World of Hyatt Loyalty BenefitsThe World Of Hyatt Credit Card has valuable benefits for Hyatt loyalists. Hyatt Credit Card FeesAnnual FeeThe World Of Hyatt Credit Card has a $95 annual fee. Hyatt Credit Card ComparisonThe World Of Hyatt Credit Card is great for Hyatt loyalists. Learn more about the Marriott Bonvoy Boundless® Credit Card in our Marriott Bonvoy Boundless credit card review, and compare your options for Marriott hotel credit cards in our guide to the best Marriott Bonvoy credit cards right now. Hyatt Credit Card Frequently Asked QuestionsWhat are the main benefits of the World of Hyatt Credit Card?

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Best Credit Cards for Amazon of 2024Compare the Best Amazon Credit CardsEarn 5% back at Amazon and Whole Foods Prime Visa Apply now lock icon An icon in the shape of lock. Best Credit Card for Amazon ReviewsPrime VisaThe best credit card for Amazon and Whole Foods purchases is the Prime Visa. Best Credit Card for Amazon Frequently Asked QuestionsWhat are the main benefits of credit cards for Amazon purchases? Compared to other rewards cards, Amazon credit cards offer higher cashback rates on purchases made at Amazon and Whole Foods. There are four personal Amazon credit cards: The Prime Visa, Amazon Visa, Amazon Store Card, and the Amazon Secured Card.

Persons: Chase, —, Cash, Wells, you've, It's, Uber, Wiley, Julie Mehretu, Peacock, Uber Cash, you'll, Cardholders, You'll, cardholders, Read, Insider's, there's, Ariana Arghandewal Ariana Arghandewal, Ariana, Guy, Education Ariana, ExperienceExpertiseEducation Read, Tessa Campbell, Tessa, she’s, Angela Fung Organizations: Business Insider, U.S . Bank, Citi, Citi Strata Premier, Card, Citi Prestige, American, Amazon Visa, Amazon Business Prime, Amazon, Foods, Amazon.com, Chase Travel, Visa, FDIC, U.S, Bank, Target, Walmart, Business, EV, Express, American Express, Disney, ESPN, Wells, Bank of America, of America, Hilton, Marriott, Saks, Entertainment, The New York Times, Street, TSA, Global, Saks Fifth, Amazon Reviews, . Bank, Bank Rewards, Citi Prestige ®, Air France, JetBlue, Singapore Airlines, Wyndham, Merrill, Amazon One, Amex, Southwest, Prime, Amazon Business American Express, Synchrony Bank, Amazon Business, Bankrate, CNBC, CNN, Forbes, Lonely, NBC, Traveler University, CardCon, Chicago, Expertise, Education, University of Southern, Susquehanna University, Finance Locations: U.S, Hulu, Wells, Air, That's, Merrill ., Chase, University of Southern California

☆ Dating Apps Helped Me Find Love. Now They've Become a Total Scam.
▼ + stars: | 2024-10-03 | by ( Albert Fox Cahn | ) www.businessinsider.com time to read: +22 min

I spent some time alone after things ended, but by the end of 2012, I was ready to re-embrace online dating. Within a few years, my fellow millennials and I were reportedly spending 10 hours a week on dating apps. "Dating apps are designed to be a miserable experience," Stephanie Rodgers, the founder of the forthcoming dating app Verb, said. Increasingly, it feels like dating apps make things more monotonous and cumbersome to incentivize us to pay for upgrades. And while dating apps' cost in terms of harassment, threats, and violence is paid disproportionately by women, its financial cost is disproportionately paid by men.

Persons: —, I've, I'd, it's, undateable, Phil, begrudgingly, Tinder, Charlotte Fox Weber, Weber, Swiping, Koshiro, Stephanie Rodgers, Rodgers, you'll, we're, curt, It's, I'm Organizations: Congressional, New York Times, Harvard Law, Facebook, Match, The League, Upper East, Grand Central Locations: DC, Washington, Western Europe, East, Asia, Raya, Brooklyn, Americas

See more mortgage rates on Zillow Real Estate on ZillowWhat Are Today's Mortgage Refinance Rates? 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. Current 30-Year Mortgage RatesAverage 30-year mortgage rates are hovering around 5.90%, according to Zillow data. Current 15-Year Mortgage RatesAverage 15-year mortgage rates are in the low 5% range, according to Zillow data. But now that inflation has decelerated and the Fed is expected to cut rates soon, mortgage rates have trended down.

Persons: Freddie Mac, it's, Fannie Mae Organizations: Fed, ADP, Bureau of Labor Statistics, Zillow, Mortgage, Association, ARM, . Government Locations: Chevron, Government

Compare the Top Credit Cards With Free Airport Lounge AccessCapital One Venture X Rewards Credit Card Apply now lock icon An icon in the shape of lock. Credit Cards with Free Airline Lounge Access ReviewsChase Sapphire Reserve®The Chase Sapphire Reserve® is one of Business Insider's picks for all-around top travel credit cards. Capital One Venture X Rewards Credit CardThe Capital One Venture X Rewards Credit Card is one of the most powerful travel credit cards on the market. One of the Best Credit Cards for Airport Lounges is No Longer Available (But You Can Get it Anyway)The Ritz-Carlton™ Credit Card is perhaps the best travel credit card that isn't on the market. If you request it, Chase can convert your existing Chase-issued Marriott credit card, such as the Marriott Bonvoy Bold® Credit Card or Marriott Bonvoy Boundless® Credit Card , into the Ritz-Carlton Card.

Persons: we've, We've, Chase Travel ℠, Chase, Uber, Wiley, Julie Mehretu, Peacock, Uber Cash, Hilton, that's, Marriott, Regis, Sapphire, John F, Kennedy, Insider's, It's, they'll, you'll, Read, You'll, Conrad, you've, Carlton Card, HBO Max, Insider’s, SYD, Miles, Joseph Hostetler, Joseph, Guy, Angela Fung Organizations: Business, Hilton, Card, Citi ®, Mastercard, Marriott, Alaska Airlines, Capital, One, Chase, Chase Travel, Sapphire, Chase Sapphire, TSA, FDIC, Express, American Express, Saks, American, Entertainment, Disney, ESPN, The New York Times, Street, Walmart, Global, Saks Fifth, Hilton Honors, Elite, Marriott Bonvoy, Ritz, Carlton, TSA PreCheck, Cell, New Hampshire Insurance Company, AIG Company, Delta SkyMiles ®, Delta, Delta Sky Clubs, ®, SkyMiles ®, Delta Sky Club, Delta Sky, U.S, Delta SkyMiles, United, United ®, United Club, American Express Chase, American Express Card, Citi, Centurion, Fort, Dulles, Washington Dulles, Sapphire Reserve, DoorDash, Chase Sapphire Reserve, Lufthansa, Austrian Airlines, Amex, Resorts, Dell, Adobe, Diamond, Waldorf, Aspire, Delta Reserve, Star Alliance, United Airlines, Polaris, United Polaris, The, Premier, Admirals Club, American Airlines, Airlines, Citi AAdvantage, Chase Ritz, Hilton Honors American, Hilton Gold, Gold, Honors American, Online Retail, ℠, NEXUS, EV, Netflix, Hulu, Spotify, Apple Music, HBO, Bank, Sydney, Finance Locations: Hulu, AmexTravel.com, Caribbean, delta.com, Canada, Delta, U.S, Hong Kong, Boston, LaGuardia, Austin, Dallas, Fort Worth, DFW, Denver, Washington, New York, JFK, San Diego, Las Vegas, Phoenix, Philadelphia, Capital, Hilton, Marriott, United, airfare, Airport, Charlotte, Miami, London

☆ I've studied highly creative people for 40 years: They share these 6 habits
▼ + stars: | 2024-10-03 | by ( Anthony Fredericks | ) www.cnbc.com time to read: +4 min

Without realizing it, many of the common habits of the most creative minds were things you probably did in your childhood. Most importantly, they are not afraid of failure because they see it as a learning opportunity. Having your head in the clouds is an opportunity to let your creative powers develop and flourish. For them, a new situation is a learning opportunity, not necessarily a means to an end. They embrace meditation and mindfulnessThe most creative people make meditation and mindfulness a regular part of their daily routine.

Persons: Ralph Waldo Emerson, Ruth Ann Atchley Organizations: Erasmus University Locations: —, Greece, China, Rotterdam, Netherlands

☆ Gwen Stefani reveals the one thing Blake Shelton does daily that keeps their relationship strong
▼ + stars: | 2024-10-03 | by ( Amanda Goh | ) www.businessinsider.com time to read: +3 min

There's one thing that Blake Shelton does daily that helps keep his marriage with Gwen Stefani strong. "The thing about Blake is that you'll never get through a day without laughing," Stefani said on "The Jennifer Hudson Show." AdvertisementGwen Stefani and Blake Shelton have been together since 2015, and there's one thing that he does every day that reminds her why she fell in love with him. "The thing about Blake is that you'll never get through a day without laughing," Stefani told Jennifer Hudson on the October 2 episode of "The Jennifer Hudson Show." Related storiesIn April, Stefani told Nylon that she had learned not to pay attention to tabloid rumors about her relationship with Shelton.

Persons: Blake Shelton, Gwen Stefani, Blake, you'll, Stefani, Jennifer Hudson, —, Shelton, Gavin Rossdale, Miranda Lambert, Sabrina Romanoff Organizations: Service, Research, Business

But investing in the stock market should be boring rather than exciting. While some hands-on traders approach betting on the stock market similarly to betting money on sports, the truth is they should have very little in common. Compared to sports betting, investing in the stock market should be "non-adrenaline focused," Egan said. While an explosion of confetti might make trading stocks more entertaining, investing in the stock market should be boring. Historically, the average stock market return is about 10% each year.

Persons: —, Dan Egan, Egan, Robinhood, doesn't, you'll, Ally Invest Organizations: Sports, Service, University of California, University of Southern, SoFi, Ally Locations: Massachusetts, Los Angeles, University of Southern California

☆ Entrepreneurs who bring in millions flipping clothes and sneakers explain how they find profitable products, including 'home run items'
▼ + stars: | 2024-10-03 | by ( Kathleen Elkins | ) www.businessinsider.com time to read: +7 min

As for home run items, don't expect to find them daily but, 'they are out there.' AdvertisementBuying and reselling items can be an effective way to bring in extra cash — and can even be your ticket to financial independence. Richard S., who prefers not to share his last name for privacy reasons, started reselling items from his closet on eBay after losing his job in 2008. I didn't sell the Nike SB until maybe six months ago because I didn't understand what a Nike SB really was. In the reselling business, "it doesn't matter what I think is cool," said Richard.

Persons: —, Val Zapata, Richard S, that's, Zapata, Richard, Ralph Lauren, I'm, Gucci, Louis Vuitton, she's, he's Organizations: Service, eBay, Business, Nike, Louis, GAP, Adidas Locations: Coral Springs , Florida, Boston

Amazon Prime members who missed out on epic deals from Amazon Prime Day back in July can try their luck again over Amazon Prime Big Deal Days, coming up on October 8 and October 9. Amazon Prime Visa: 5% cash back with no limitAmazon Prime members who also have the Prime Visa credit card can earn 5% cash back on almost anything purchased from Amazon and Whole Foods. In addition to earning 5% back on Amazon, cardholders with an Amazon Prime membership also earn 5% on purchases from Amazon Fresh, Whole Foods, and Chase Travel℠ purchases. Even cardholders without Amazon Prime membership can earn 3% cash back on purchases from Amazon, Amazon Fresh, Whole Foods, and Chase Travel℠. Other cards offer higher cash-back rates on non-Amazon purchases Insider’s Take The Amazon Prime Visa is a good choice if you're already an Amazon Prime member — and do quite a bit of online shopping.

Persons: you've, you’ve, Chase, —, Katherine Fan, Katherine, Guy, Nerdwallet, Fortune, Katherine moonlights, she's, She's Organizations: Amazon, Visa, Amazon.com, Amazon Prime, Deal, Discover, Foods, Chase Travel, FDIC, Finance, Business, Cards, CNN, Forbes, Wall, Dallas Morning News, Newsweek, Nasdaq, MSN, Yahoo, SXSW, Austin American, Statesman, University of Texas, National Taiwan University Locations: Amazon, Austin, orcas, Antarctica, Japan, New Zealand, South Africa, Taiwan

☆ 40% of Americans plan to retire with $1 million or more—it might not be enough
▼ + stars: | 2024-10-03 | by ( Ryan Ermey | ) www.cnbc.com time to read: +1 min

A million dollars isn't the symbol of wealth that it used to be, but saving that much for retirement is still rare. In fact, among those currently saving for retirement, 57% say the amount they're hoping to save is less than $1 million. If you withdraw money from your portfolio too fast, you drastically decrease the chances that the money will last for your entire retirement. Divide that figure by 4%, and you'll arrive at the amount you'll need to retire with: $2.5 million. If you plan to retire with $1 million, by the same calculation you can expect to withdraw $40,000 in your first year.

Persons: you'll Organizations: CNBC, SurveyMonkey, Security

Best Credit Card Sign-Up Bonuses of 2024Compare the Top Credit Card Sign-Up BonusesChase Sapphire Preferred® Card Insider’s Rating Info icon Business Insider's Ratings are decided by our editorial team. Other credit cards offer higher rewards in certain categories of spending Insider’s Take If you want an easy, no-fuss travel rewards credit card, the Capital One Venture Rewards Credit Card is a great fit. Credit Card Sign-Up Bonus ReviewsThe sign-up bonus is one of the best perks anyone can get from a new credit card. Other credit cards offer higher rewards in certain categories of spending Insider’s Take If you want an easy, no-fuss travel rewards credit card, the Capital One Venture Rewards Credit Card is a great fit. But before you apply for a new credit card, make sure you understand how credit card applications affect your credit score.

Persons: Uber, Wiley, Julie Mehretu, Peacock, Uber Cash, Rose Gold, you'll, Miles, Chase, it's, Cash, Read, It's, You'll, cardholders, Wells, Jasmin Baron, Angela Fung Organizations: Business Insider, Citi, Premier, Marriott, Chase, Chase Travel, Sapphire, Express, American Express, Hilton, Saks, American, Entertainment, Disney, ESPN, The New York Times, Street, Walmart, TSA, Global, Saks Fifth, AmexTravel.com, Capital, CitiTravel.com, EV, Citi Strata Premier, Business, United, Amex, Resorts, British Airways, Miles, Card Citi, Citi Premier, Finance Locations: Hulu, U.S, ThankYou.com, Canada

For the whole U.S., the median rent is $1,406 and the median mortgage payment is $1,904. Cost of living comparison: Renting vs. buying by stateIn the U.S., the median rent is $1,406 and the median monthly mortgage payment is $1,904. In New York City, for example, median rent is $1,748, making it more expensive than most states, even though New York state's median rent is only $1,561. Median rent costs as a percentage of incomeIt's important to keep in mind that income also varies from state to state. Methodology: How we determined rent and mortgage costsOur median rent, household income, and mortgage payment data comes from the Census Bureau's 2023 American Community Survey 1-year estimates.

Persons: You'll, you'll, Grace, Molly Grace, Molly, Read Organizations: Hampshire, Dakota, Rhode, West Virginia, Alabama, Colorado, Indiana, Iowa, Maryland, Michigan, Montana, Nebraska, Tennessee, Washington, Survey, Business, Rocket Companies, Indiana University Locations: West Virginia , Mississippi, North Dakota, South Dakota, Kentucky, West Virginia , Arkansas , Mississippi , Indiana, Alabama, U.S, Alaska, Arizona, Arkansas, California, Colorado, Connecticut, Washington, Delaware, Florida, Georgia, Hawaii, Idaho, Illinois, Indiana, Iowa, Kansas, Louisiana, Maine, Maryland, Massachusetts, Michigan, Minnesota, Mississippi, Missouri, Montana, Nebraska, Nevada, Jersey, Mexico, York, Carolina, Ohio, Oklahoma, Oregon, Pennsylvania, Tennessee, Texas, Utah, Vermont, Virginia, Wisconsin, Wyoming, West Virginia, Dakota, New York City, New York, Hampshire

The information for the following product(s) has been collected independently by Business Insider: U.S. Bank Altitude® Connect Visa Signature® Card, Chase Freedom Flex®, U.S. Bank Altitude® Go Visa Signature® Card, U.S. Bank Altitude® Reserve Visa Infinite® Card. U.S. Bank Altitude Connect Fees and CostsThe U.S. Bank Altitude Connect Visa Signature no longer has an annual fee. U.S. Bank Altitude Connect Frequently Asked Questions (FAQ)What credit score do I need to be approved for the U.S. Bank Altitude Connect? No, the U.S. Bank Altitude® Connect Visa Signature® Card isn't made of metal — it's a regular plastic card. If you're looking for a metal card from U.S. Bank, consider the U.S. Bank Altitude® Go Visa Signature® Card or U.S. Bank Altitude® Reserve Visa Infinite® Card instead.

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Business Insider's personal finance team compared Municipal Credit Union personal loans to the best personal loans and found it to be a standard offering. Municipal Credit Union Personal Loan OverviewMunicipal Credit Union Personal Loan Check rates Compare loan options and get your rates today. MCU Personal Loan AlternativesMCU Personal Loans vs. First Tech Personal LoansWhile Municipal Credit Union limits membership to those in the New York area, First Tech Personal Loan Federal Credit Union doesn't have such geographical restrictions. First Tech Credit Union Personal Loan ReviewNavy Federal Personal LoansYou can get the smallest loan amount with Navy Federal Credit Union Personal Loan, as the credit union offers loans as small as $250, whereas MCU only permits loans as low as $1,000. See our ratings methodology for personal loans »Ryan Wangman, CEPF Loans Reporter Ryan Wangman was a reporter at Personal Finance Insider reporting on personal loans, student loans, student loan refinancing, debt consolidation, auto loans, RV loans, and boat loans.

Persons: that's, MCU, Ryan Wangman, Read, Elias Shaya, Elias, Kerri Anne Renzulli Organizations: Municipal Credit Union, Municipal Credit, Municipal, New, Big Apple, Social Security, Loan Federal Credit Union, Financial, Amazon, Intel, Microsoft, First Tech, Tech, Loan, Navy Federal Credit, Navy Federal, Department of Defense, Better Business Bureau, BBB, Apple, Google, Chevron, Credit Union, Finance, Northwestern University, Boston Globe Locations: New York City, New York, MCU, Oregon

☆ This strategy can maximize yield even as interest rates fall
▼ + stars: | 2024-10-02 | by ( Michelle Fox | ) www.cnbc.com time to read: +4 min

The strategy is meant to minimize interest rate risks, explained Saraja Samant, a manager research analyst at Morningstar. Wisdom Tree has two Treasury ladder ETFs: a one- to three-year fund and a seven- to 10-year fund. Schwab has Treasury bond ladder strategies in separately managed accounts operated by its Wasmer Schroeder Strategies' team. "They can add to or take from the entire bond ladder all at once, which is challenging to do with an individual bond ladder." The 'comfort' of a ladder To build a Treasury ladder, investors can go to Treasury Direct or use a broker dealer and tailor it to their needs, Samant said.

Persons: you'll, Saraja Samant, Robert Scrudato, Schwab, Schroeder, Barry Glassman, Morningstar's Samant, Samant, Michael Kessler, Glassman, Kessler, he's Organizations: Federal, Morningstar, Treasury, BlackRock, Securities and Exchange Commission, Wealth, Albion Financial, AAA Locations: Vienna , Virginia, Salt Lake City

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