Новости за 12.03.2024

AscentXmedia / Getty Images

Entering a new stage of life is always a challenge, whether you’re heading to Kindergarten or preparing for retirement. No matter which stage you enter, it’s important to set a positive tone early and adopt the right habits. That’s especially true of retirement, which could take you through another quarter-century or longer.

Backpacks aren't just for school-aged kids, especially when they're classic leather bags like Kate Spade's popular Leila Dome Backpack. It's the perfect size for an everyday bag, where it can fit all your essentials, but won't be too heavy to carry around. It comes in a variety of colors, some perfect for spring, and right now, it's at a major discount at the Kate Spade Outlet. It's made of soft pebbled leather and with a front and side pouch. This is just the hands-free upgrade you've been waiting for. Читать дальше...

Mortgage rates are holding steady in the 6% range for popular terms as of Tuesday, March 12, 2024. As with Monday's rates, the current average rate for a 30-year fixed mortgage is 6.95%, with a 30-year fixed refinance at 6.94%. Rates for 15-year terms are also steady at 6.47% for purchase and 6.52% for refinance, with 10-year terms at 6.34% for purchase and 6.34% for refinance. The average rate on a 30-year fixed jumbo mortgage is a slightly lower 7.02%. 

They say fashion is cyclical, and what's old will one day be new again. With Gen Zers currently rediscovering '90s grunge, '70s boho and '60s mod fashions, it's no surprise that you might be seeing some favorite styles from your youth making an appearance again. 

The best certificates of deposit — commonly called CDs — guarantee a high rate of return on your principal at the end of an agreed-on term. Typically, the longer the term of your CD, the higher the annual percentage yield on your deposit, making CDs a low-risk savings choice for money you don’t need to access immediately or regularly.

Key takeaways

• Personal loans and home equity loans can provide a much-needed source of funding if you need cash. 

• Personal loans are less risky as they’re unsecured, but they often come with higher interest rates.                    

• Home equity loans are more accessible to borrowers with lower credit scores, but you could lose your home if you fall behind on payments.

• You may have access to a higher loan amount with a home equity loan as it’s based on your ownership stake. Читать дальше...