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Most insurance companies offer add-on or standalone pet wellness plans that cover routine and preventive veterinary care. But spaying and neutering surgeries are planned procedures — meaning you could be on the hook for the entire cost, even if you have pet insurance. However, many pet insurance companies sell wellness plans as add-ons to their standard insurance policies. Does pet insurance cover spaying and neutering? Standard pet insurance policies — known as comprehensive plans — don't cover spaying and neutering because they're considered elective procedures.

The bottom line: The Ally High Yield Savings Account is one of the best savings accounts out there with 2.10% APY. How Ally worksAlly is an online bank with several strong accounts, including its high-yield savings account. We've compared the Ally High Yield Savings Account with savings accounts at two other online banks: Discover and Marcus by Goldman Sachs. Ally review vs. Marcus reviewMarcus also has a strong high-yield savings account with a good APY, no minimum balance, and no monthly fees. If you're just looking for a savings account (and maybe a CD), you might like Marcus.

We selected Ally, Bank of America, PNC Bank, Navy Army Community Credit Union, and GECU as the best banks and credit unions in Texas. Best banks and credit unions in Texas AllyBank of AmericaPNC BankNavy Army Community Credit UnionGECU Chevron icon It indicates an expandable section or menu, or sometimes previous / next navigation options. Editor's rating 4.5/5 A five pointed star A five pointed star A five pointed star A five pointed star A five pointed star Category Chevron icon It indicates an expandable section or menu, or sometimes previous / next navigation options. Best savings account Savings APY Chevron icon It indicates an expandable section or menu, or sometimes previous / next navigation options. We looked at the top 10 biggest banks and credit unions in the state, plus state financial institutions featured in our Black-owned banks and credit unions guide and Hispanic American-owned banks and credit unions guide.

☆ 15 fast-growing, high-paying jobs that only require an associate's degree
▼ + stars: | 2022-09-22 | by ( Madison Hoff | ) www.businessinsider.com time to read: +1 min

Dental hygienist is one job that pays above the median wage and is projected to see job growth over a decade. That job also typically only needs an associate's degree, unlike dentists or orthodontists. Insider looked at growing jobs that pay decently and only need an associate's degree. With a median annual pay of $77,810, this job also pays above the median annual wage for all jobs in the US, which is $45,760. The following are 15 occupations that typically only need an associate's degree for entry, that pay above the median annual pay, and are projected to see future job growth.

☆ Mortgage demand rises for the first time in six weeks, despite sharply higher interest rates
▼ + stars: | 2022-09-21 | by ( Diana Olick | In Dianaolick | ) www.cnbc.com time to read: +2 min

Mortgage application volume increased last week for the first time in six weeks, according to the Mortgage Bankers Association, despite a rise in interest rates. "The weekly gain in applications, despite higher rates, underscores the overall volatility right now as well as Labor Day-adjusted results the prior week," Kan said. Mortgage rates shot even higher this week, according to a separate survey by Mortgage News Daily. Investors will be watching specifically for commentary not on a current rate hike but on what may be ahead. "The forecasts will amplify whatever volatility we already may have seen with the rate hike decision.

☆ We see two reasons for Nvidia's dramatic price hikes on its newly unveiled graphics cards
▼ + stars: | 2022-09-21 | by ( Zev Fima | ) www.cnbc.com time to read: +5 min

A top complaint coming out of this week's Nvidia GTC conference is sticker shock over the company's newly unveiled 40 series graphics processing units for video gamers and creators. For reference, the 4080 and 4090 series chips start at $899 and $1,599, respectively. Put another way, if we were to adjust for inflation, a comparable 40 series price tag (think 2020 dollars) would be about $770 for the 4080 and $1,650 for the 4090. In the end, if you want the most cutting-edge chips, one thing nobody can deny is the incredible performance boost of the 40 series versus prior generations. As a subscriber to the CNBC Investing Club with Jim Cramer, you will receive a trade alert before Jim makes a trade.

☆ The ‘Cost’ of Voting in America: A Look at Where It’s Easiest and Hardest
▼ + stars: | 2022-09-20 | by ( Nick Corasaniti | Allison Mccann | ) www.nytimes.com time to read: +13 min

Researchers focused on 10 categories related to voting, including registration, inconvenience, early voting, polling hours and absentee voting. The state also stopped using special voting deputies, officials whose tasks had sometimes included conducting voter registration drives, according to the study. To assess the voting laws passed after the 2020 election, this year’s Cost of Voting Index study added new categories and scoring. While the political debate surrounding new election laws has centered on ballots and the voting process, the Cost of Voting Index also gives heavy weight to the ease of voter registration. States rank higher in the index if they allow voter registration drives, provide automatic voter registration, offer same-day registration and maintain longer periods in which to register.

You probably already know that most travel credit cards offer some form of rental car insurance. Show more Regular APR 19.24% - 26.24% Variable Editor's Rating 4.65 /5 A five pointed star A five pointed star A five pointed star A five pointed star A five pointed star 4.65 out of 5 Stars Our editor's ratings analyze fees, bonuses, rewards, and benefits to highlight the simplest and most valuable credit cards available. It's often said the Chase Sapphire Preferred is the best starter travel credit card — and primary rental car insurance is a big reason why. Whether your coverage comes from a credit card, the auto rental agency, or your personal insurance plan, you should get rental car insurance. Of all rental car insurance options, primary insurance with a credit card is the best value.

Compare Citi Double Cash and Wells Fargo Active Cash Wells Fargo Active Cash® CardCiti® Double Cash Card Chevron icon It indicates an expandable section or menu, or sometimes previous / next navigation options. $0 Apply now On Wells Fargo's website Apply now On Citi's websiteThe Citi® Double Cash Card and Wells Fargo Active Cash® Card are two of the top cash-back credit cards on the market today. Here's how the Citi® Double Cash Card and the Wells Fargo Active Cash® Card compare to help decide which cash-back card is best for you. Winner: Active Cash® CardRedeeming rewardsIf you're looking for flexibility in redeeming rewards, either the Active Cash® Card or the Citi® Double Cash Card are decent options. Winner: Citi® Double Cash CardBenefits and featuresCiti Double CashThe Citi® Double Cash Card only has a few perks, the most notable being Citi Entertainment, which allows cardholders to purchase presale tickets and exclusive experiences to concerts, sporting events, dining experiences, and more.

If you're looking for a jumbo loan, here are four mortgage lenders you should consider. Types of loans offered: The most common kinds of mortgage loans include conventional loans, FHA loans and VA loans. The most common kinds of mortgage loans include conventional loans, FHA loans and VA loans. Fees: Common fees associated with mortgage applications include origination fees, application fees, underwriting fees, processing fees and administrative fees. Common fees associated with mortgage applications include origination fees, application fees, underwriting fees, processing fees and administrative fees.

Like a rate-and-term refinance, a cash-out refinance replaces your current mortgage with a new loan. You decide to get a cash-out refinance for the full amount you can borrow, which is $240,000 (or 80% of $300,000). Does it ever make sense to take on a higher rate to get a cash-out refinance? Cash-out refinance alternativesA cash-out refinance isn't the only way to take equity out of your home. Getting a cash-out refinance when mortgage rates are high typically doesn't make sense for most borrowers who are already locked into lower rates.

Our experts answer readers' credit card questions and write unbiased product reviews (here's how we assess credit cards). Apply nowBilt Mastercard® 4 /5 A five pointed star A five pointed star A five pointed star A five pointed star A five pointed star $0 Annual Fee Intro offer N/A Rewards Earn 3x points on dining. Read our review Read Our Review A looong arrow, pointing rightPaying rent with a credit card is almost always a bad idea. Note that credit card lenders may use many different variations of credit score models when considering your application. I estimate between my other monthly expenses that I spend about $1,000 per year on the Citi® Double Cash Card.

Persons: there's, Pavlo Gonchar, Read, —, We're, you'll, Peacock, you’re, Bilt, Experian, TransUnion ™, Equifax ™, Uber, it's, we've, It's, you've Organizations: Getty, Service, Citi, Restaurants, American Express, Express, Disney, ESPN, Reading Chevron, Netflix, Hulu, Spotify, YouTube, The New York Times, U.S, Mastercard, Chevron, Alliance, American Airlines, United, Air, Turkish Airlines, Bilt, Bank, Rewards, Gas, Grocery, U.S . Bank, Business, EV, FDIC, Chase, Hyatt Locations: U.S, Hulu, The, Air Canada, Hyatt

☆ 'The investments just grew so much': A single mom quit her job after reaching financial freedom in 4 years with a $900,000 portfolio. She shares 3 steps every woman should take to reach earlier retire
▼ + stars: | 2022-01-12 | by ( Laila Maidan | ) www.businessinsider.com time to read: +7 min

She started her career in 2002 but had contributed only about 10% of her salary to her retirement accounts — and not every year. Before 2017, she had $125,000 saved in her retirement accounts, she said. Everything changed that year when she decided to start maxing out her tax-deferred accounts. Her process didn't involve any strategic maneuvers in the stock market like swing or options trading. The second key step is you need to max out your tax-deferred accounts, such as a 401(k), 403(b), and 457(b), she said.

I like to set clear financial goals every new year, which involves both creating plans and avoiding pitfalls. So, I asked a few financial advisors if they have any money advice they tell clients to avoid. While there's a lot of financial advice out there, I wondered if there was anything that I should remember to avoid at the start of 2022. So, I asked four of the best financial advisors to share bad advice they often tell their clients to ignore. Keeping credit card balances in order to build your credit scoreWhether you're entering 2022 with credit card debt or not, financial advisor Andrew Lokenauth said that it's a bad idea to keep credit card balances with the idea you'll build a better credit score.

Persons: —, Justin Nabity, Nabity, Scott Satov, Satov, you'll, Scott Hasting, Andrew Lokenauth Organizations: Service

Review: Chase Freedom Unlimited reviewIf you prefer an all-purpose, flat-rate cash-back card without having to track different categories, the Citi® Double Cash Card is an easy win. Review: Citi Double Cash Card reviewThe no-annual-fee Wells Fargo Active Cash® Card is similar to the Citi® Double Cash Card as it also earns unlimited 2% cash rewards on all purchases. Review: Customized Cash Rewards reviewAmerican Express cards are known for their solid purchase protections and extended warranty, and the American Express® Gold Card offers some of the best benefits. Review: US Bank Shopper Cash Rewards reviewTips to boost your Black Friday and Cyber Monday rewardsUse a shopping portalDeciding on the best rewards credit card can seem daunting, with many cards offering extra rewards in the same bonus categories. You'll find that a lot of the cards for Black Friday deals and Cyber Monday shopping also appear on our list of the best cards for online shopping, for example.

Supplement short-term disability coverage with an individual long-term disability policy. California, Hawaii, New Jersey, New York, Rhode Island, and Puerto Rico require employers to offer a form of short-term disability insurance. Employer-provided short-term disability insurance may be offered as part of your benefits package at little or no cost. The short-term disability insurance you get through work can replace up to 80% of your gross income, but is usually less — around 50-60%. Short-term disability vs. long-term disability insuranceDon't assume your employer-sponsored short-term disability insurance policy is enough to replace your income.

Affirm is one of the few buy now, pay later providers that offer consumers long-term financing options with a 0% APR. Since you don't pay interest on your Afterpay loan, you don't have to worry about not being refunded for interest. You'll be hit with an $8 fee, or 25% of your transaction, whichever is less, for each late payment. Available merchants Pay in 4 is available at millions of merchants through the app, but it's not accessible for merchants that aren't integrated with PayPal. Our methodologySelect focused on the following features when examining popular buy now, pay later providers: APR: Some BNPL loans charge interest while others do not.

If your credit score isn't great, you can still get approved as Avant looks at both your credit score and income. When determining eligibility for a loan, LendingPoint considers credit score, loan term, credit usage, loan amount and other factors. Personal loans are a form of installment credit, which affect both your credit report and your credit score. Student loans, personal loans and credit cards are all examples of unsecured loans. Our methodologyTo determine which personal loans are best for bad credit, CNBC Select analyzed dozens of U.S. personal loans offered by both online and brick-and-mortar banks, including large credit unions.

Persons: Will, it's, you'll, You'll, OneMain Financial's, LendingPoint, prequalify Organizations: CNBC, OneMain, AK, AR, DC, Social, CNBC Select's, Facebook, Twitter Locations: Alabama, California, Georgia, Ohio, Virginia, Carolina, Nevada, West Virginia

It's important to make sure you can trust an investment app before you start using it. See Insider's guide to the best investment apps for beginners »Get the latest tips you need to manage your money — delivered to you biweekly. Before you start placing trades, you should have a sense of whether you can trust an investment app with your money. Here are more details on the warning signs to look out for when searching for an investment app. It's not transparent about how it makes moneyMost investment apps offer fee transparency and/or disclosures that detail where their compensation comes from.

According to a 2020 report, over a 15-year period, nearly 90% of actively managed investment funds failed to beat the market. Portfolio managers are often Ivy League-educated investors who spend their entire workday attempting to outperform the stock market. AdvertisementIn the investment community, it's common knowledge that actively managed investment funds typically underperform compared to popular market benchmarks like the S&P 500. While I'm in favor of index funds, it is important to note that not all investors feel the same way. Keep a long-term focus on your money when investingThe stock market can be very exciting.

Persons: —, it's, I'm, I've, That's, Eric Rosenberg, Roth, Jordan Belfort Organizations: Ivy League, Service, Amazon

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