What Credit Score Do You Need for a Secured Credit Card? (Based on Real Applications)

Despite a break in the fighting today, mortgage rates have been creeping higher this week as the Iran ceasefire seemingly falls apart. This week’s aggressions quickly drove up oil prices and bond yields, and we’ve seen mortgage rates head upward, too. The average interest rate on a 30-year, fixed-rate mortgage rose to 6.44% APR, according…

I recently praised Apple for putting out a $599 MacBook laptop. One of the richest companies in the world was doing the average Joe a solid by offering a sleek and capable machine for a good price. But, even Apple isn’t immune to the AI-driven memory chip shortage. At the end of June, the company…

Mortgage rates eased up a little today, as no real progress in Iran is at least preferable to things getting worse. Each side has been spelling out conditions that the other is unlikely to meet, resulting in a stalemate — for now, at least. The average interest rate on a 30-year, fixed-rate mortgage ticked down…

Mortgage rates are a little lower this morning, possibly in response to Friday’s weaker-than-expected jobs report. Coupled with last Wednesday’s maybe-things-aren’t-too-bad inflation data, it’s looking like the Federal Reserve will hold off on a rate hike at its meeting later this month. The average interest rate on a 30-year, fixed-rate mortgage dropped to 7.31% APR,…

Three types of equity are commonly held by employees at pre-IPO companies: restricted stock units (RSUs), incentive stock options (ISOs) and non-qualified stock options (NSOs). Each has its own tax rules and strategies. When you hold more than one type, or even all three — which is true of many employees at companies like Anthropic…

Everyone packs too much. At the end of every trip, my husband and I go through everything we packed and keep score of which items were actually worth taking. We dock points for anything that never left the bag. It’s brutal, but it’s turned me into a ruthless packer. It’s also made me realize that…