Mail.com: Personal finance https://www.mail.com/subjects/7698-personal-finance.html Mail.com - the best personalized free web-based Email en en Mail.com: Personal finance https://s.uicdn.com/mailint/8.812.0/assets/mailcom_logo_rss.png https://www.mail.com/subjects/7698-personal-finance.html Conquer fear of credit cards now, reap benefits later https://www.mail.com/business/economy/5203778-conquer-fear-credit-cards-now-reap-benefits.html Young adults who are afraid of credit cards in the long shadow of the recession usually think only of the risks, rather than the role they play in establishing credit, consumer credit experts say. That can hold them back from building the credit history they'll need later on if they want to finance a car or get a mortgage. Data from the Consumer Financial... Thu, 18 May 2017 15:51:00 GMT https://www.mail.com/business/economy/5203778-conquer-fear-credit-cards-now-reap-benefits.html 2017-05-18T15:51:00Z Average US 30-year mortgage rate slips to 4.02 percent https://www.mail.com/business/finance/5203694-average-us-30-year-mortgage-rate-slips-to-402-perc.html WASHINGTON (AP) — Long-term U.S. mortgage rates inched lower this week. It was the fifth straight week that the benchmark 30-year rate hovered around the key threshold of 4 percent. Mortgage buyer Freddie Mac said Thursday the average rate on 30-year fixed-rate home loans slipped to 4.02 percent from 4.05 percent last week. The rate stood at 3.58 percent a year ago and avera... Thu, 18 May 2017 15:32:00 GMT https://www.mail.com/business/finance/5203694-average-us-30-year-mortgage-rate-slips-to-402-perc.html 2017-05-18T15:32:00Z Poll says blacks less likely to have enough for retirement https://www.mail.com/business/economy/5202866-poll-blacks-to-retirement.html CHICAGO (AP) — Older white Americans are nearly twice as likely as African-Americans to say they've saved enough for retirement, a new poll found. The Associated Press-NORC Center for Public Affairs Research survey also found that African- Americans and Latinos have less financial security than whites and will rely on fewer sources of income during retirement. The retirement... Thu, 18 May 2017 10:06:00 GMT https://www.mail.com/business/economy/5202866-poll-blacks-to-retirement.html 2017-05-18T10:06:00Z Few doctors discuss cancer costs with patients, study finds https://www.mail.com/scitech/health/5201746-doctors-discuss-cancer-costs-with-patients-study-f.html Most doctors did not discuss the cost of cancer treatment with patients, spent less than two minutes on it when they did, and usually did so only after patients brought it up, a study that taped hundreds of visits at several large hospitals finds. Cancer patients are three times more likely to declare bankruptcy than people without cancer are, but many do... Wed, 17 May 2017 23:30:00 GMT https://www.mail.com/scitech/health/5201746-doctors-discuss-cancer-costs-with-patients-study-f.html 2017-05-17T23:30:00Z Another round of premium hikes: blame Trump or Obama? https://www.mail.com/business/finance/5199392-round-premium-hikes-blame-trump-obama.html WASHINGTON (AP) — Another year of big premium increases and dwindling choice is looking like a distinct possibility for many consumers who buy their own health insurance — but why, and who's to blame? President Donald Trump has seized on early market rumbles as validation of his claim that "Obamacare" is a disaster, collapsing of its own weight. Democrats... Wed, 17 May 2017 19:30:00 GMT https://www.mail.com/business/finance/5199392-round-premium-hikes-blame-trump-obama.html 2017-05-17T19:30:00Z US households owe record amount, topping pre-recession peak https://www.mail.com/business/economy/5200462-us-households-owe-record-amount-topping-pre-recess.html WASHINGTON (AP) — U.S. household debt reached a record high in the first three months of this year, topping the previous peak reached in 2008, when the financial crisis plunged the economy into a deep recession. Americans have stepped up borrowing over the past three years, yet the nature of what Americans owe has changed since the Great Recession. Studen... Wed, 17 May 2017 18:48:00 GMT https://www.mail.com/business/economy/5200462-us-households-owe-record-amount-topping-pre-recess.html 2017-05-17T18:48:00Z Ask Brianna: How can I take a vacation and not rack up debt? https://www.mail.com/business/finance/5197106-brianna-take-vacation-rack-up-debt.html "Ask Brianna" is a Q&A column from NerdWallet for 20-somethings or anyone else starting out. I'm here to help you manage your money, find a job and pay off student loans — all the real-world stuff no one taught us how to do in college. Send your questions about postgrad life to askbrianna@nerdwallet.com . Q: I want to travel this summer, but I don't have ... Tue, 16 May 2017 16:35:00 GMT https://www.mail.com/business/finance/5197106-brianna-take-vacation-rack-up-debt.html 2017-05-16T16:35:00Z Philadelphia sues Wells Fargo, alleging minority loan bias https://www.mail.com/news/politics/5197028-philadelphia-sues-wells-fargo-alleging-minority-lo.html PHILADELPHIA (AP) — Philadelphia is suing Wells Fargo & Co., claiming the bank overcharged more than 1,000 minority homeowners on mortgage loans since 2004. Philly.com (http://bit.ly/2rm8uED ) reports that the federal lawsuit cites six confidential informants who used to work for the bank. The lawsuit says unnecessarily expensive loans drove black and Hispanic borrowers towa... Tue, 16 May 2017 13:31:00 GMT https://www.mail.com/news/politics/5197028-philadelphia-sues-wells-fargo-alleging-minority-lo.html 2017-05-16T13:31:00Z Trump to join Pence in disclosing 2016 financial information https://www.mail.com/news/politics/5195410-trump-to-join-pence-disclosing-2016-financial.html WASHINGTON (AP) — President Donald Trump is preparing to go public with information about how last year shaped his personal fortune, a White House official says. The plan was disclosed Monday as Vice President Mike Pence filed his own 2016 personal financial disclosure form with the Office of Government Ethics. Pence reported earning about $110,000 last year, entirely from h... Mon, 15 May 2017 23:09:00 GMT https://www.mail.com/news/politics/5195410-trump-to-join-pence-disclosing-2016-financial.html 2017-05-15T23:09:00Z Liz Weston: How to ruin your finances fast https://www.mail.com/business/finance/5195440-liz-weston-to-ruin-your-finances-fast.html Some financial disasters are a long time in the making. It typically takes years of unfortunate choices — minimum credit card payments, forgone savings opportunities — to create suffocating debt or a poverty-level retirement. Other disasters you can trigger almost instantly. The decision itself costs money, or the clock starts ticking toward a consequence... Mon, 15 May 2017 21:23:00 GMT https://www.mail.com/business/finance/5195440-liz-weston-to-ruin-your-finances-fast.html 2017-05-15T21:23:00Z Justices rule against consumer in debt collection case https://www.mail.com/business/economy/5194228-justices-rule-consumer-debt-collection-case.html WASHINGTON (AP) — A divided Supreme Court ruled Monday that debt collection companies can't be sued for trying to recover years-old credit card debt from people who seek bankruptcy protection. The 5-3 ruling is a blow to consumer groups that complain debt collectors are unfairly misleading people into repaying old debts even when they are not required to under the law. ... Mon, 15 May 2017 15:27:00 GMT https://www.mail.com/business/economy/5194228-justices-rule-consumer-debt-collection-case.html 2017-05-15T15:27:00Z AP-NORC poll: Most Americans feel fine about school choice https://www.mail.com/news/world/5187640-ap-norc-poll-americans-feel-fine-school-choice.html WASHINGTON (AP) — Even as fierce political battles rage in Washington over school choice, most Americans know little about charter schools or private school voucher programs. Still, more Americans feel positively than negatively about expanding those programs, according to a new poll released Friday. "I wonder what the fuss is about," said Beverly Brown, ... Fri, 12 May 2017 20:10:00 GMT https://www.mail.com/news/world/5187640-ap-norc-poll-americans-feel-fine-school-choice.html 2017-05-12T20:10:00Z Trump lawyers push back against Russia ties in letter https://www.mail.com/business/finance/5187920-trump-lawyers-push-russia-ties-letter.html WASHINGTON (AP) — Lawyers for President Donald Trump said Friday that a review of his last 10 years of tax returns did not reflect "any income of any type from Russian sources," but their letter included exceptions related to previously cited income generated from a beauty pageant and sale of a Florida estate. The letter represented the l... Fri, 12 May 2017 19:26:00 GMT https://www.mail.com/business/finance/5187920-trump-lawyers-push-russia-ties-letter.html 2017-05-12T19:26:00Z Philippine police make more child cybersex arrests, rescues https://www.mail.com/business/finance/5186596-philippine-police-child-cybersex-arrests-rescues.html MANILA, Philippines (AP) — Authorities in the Philippines have rescued four girls and arrested a mother and two other women for allegedly livestreaming sexually exploitative videos of children to men paying by the minute to watch from the United States. Three sisters ages 8, 9 and 12, and an 11-year-old found in a separate rescue, are now in a shelter for... Fri, 12 May 2017 14:24:00 GMT https://www.mail.com/business/finance/5186596-philippine-police-child-cybersex-arrests-rescues.html 2017-05-12T14:24:00Z Trump Jr. urges support for Republican in US House race https://www.mail.com/news/politics/5185696-trump-jr-urges-support-republican-us-house-race.html EAST HELENA, Mont. (AP) — Donald Trump Jr., the president's son, said political forces — even within the GOP — were working to undermine his father's administration, and he urged voters in Montana to send more Republicans to Washington who can help advance the Trump White House's agenda. "We need more people in D.C. to help my father," he said during a ra... Thu, 11 May 2017 23:30:00 GMT https://www.mail.com/news/politics/5185696-trump-jr-urges-support-republican-us-house-race.html 2017-05-11T23:30:00Z More price hikes likely for government insurance markets https://www.mail.com/business/finance/5185608-price-hikes-government-insurance-markets.html Early moves by insurers suggest that another round of price hikes and limited choices will greet insurance shoppers around the country when they start searching for next year's coverage on the public markets established by the Affordable Care Act. Insurance companies are still making decisions about whether to offer coverage for individuals next year on t... Thu, 11 May 2017 22:17:00 GMT https://www.mail.com/business/finance/5185608-price-hikes-government-insurance-markets.html 2017-05-11T22:17:00Z How to invest without sacrificing your values https://www.mail.com/business/economy/5185334-to-invest-without-sacrificing-your-values.html Social values may not be the first thing that comes to mind when investing in the stock market, but there are numerous ways for investors to align their portfolios with their beliefs and passions. Values-based investing has been around a while — religious groups have a lengthy history with it — but due to rising demand and better access to data, investors today have more val... Thu, 11 May 2017 18:19:00 GMT https://www.mail.com/business/economy/5185334-to-invest-without-sacrificing-your-values.html 2017-05-11T18:19:00Z Average US 30-year mortgage rate ticks up to 4.05 percent https://www.mail.com/business/finance/5184584-average-us-30-year-mortgage-rate-ticks-up-to-405-p.html WASHINGTON (AP) — Long-term U.S. mortgage rates inched higher this week. The benchmark 30-year rate remained above the key threshold of 4 percent. Mortgage buyer Freddie Mac said Thursday the average rate on 30-year fixed-rate home loans rose to 4.05 percent from 4.02 percent last week. The rate stood at 3.57 percent a year ago and averaged 3.65 percent in 2016, the lowest l... Thu, 11 May 2017 14:32:00 GMT https://www.mail.com/business/finance/5184584-average-us-30-year-mortgage-rate-ticks-up-to-405-p.html 2017-05-11T14:32:00Z For sale: 5 acres of paradise. And presidential goodwill? https://www.mail.com/news/politics/5180820-sale-5-acres-paradise-presidential-goodwill.html WASHINGTON (AP) — For sale: Luxury waterfront escape. Comes with two villas and five acres of paradise. And perhaps a bit of goodwill from the president of the United States? President Donald Trump's corporate trust is selling a multimillion-dollar Caribbean resort, presenting an enticing new way for a wealthy interest to get the president's attention and creating a fresh et... Wed, 10 May 2017 08:18:00 GMT https://www.mail.com/news/politics/5180820-sale-5-acres-paradise-presidential-goodwill.html 2017-05-10T08:18:00Z Sale of Trump Caribbean property revives ethics concerns https://www.mail.com/news/world/5179158-sale-trump-caribbean-property-revives-ethics-conce.html WASHINGTON (AP) — For sale: Luxury waterfront escape. Comes with two villas and five acres of paradise. And perhaps a bit of goodwill from the president of the United States? President Donald Trump's corporate trust is selling a multimillion-dollar Caribbean resort, presenting an enticing new way for a wealthy interest to get the president's attention and creating a fresh et... Tue, 09 May 2017 22:20:00 GMT https://www.mail.com/news/world/5179158-sale-trump-caribbean-property-revives-ethics-conce.html 2017-05-09T22:20:00Z Fiscal discipline? Not now, as GOP pushes tax cuts https://www.mail.com/news/politics/5179280-fiscal-discipline-now-gop-pushes-tax-cuts.html WASHINGTON (AP) — Republicans relentlessly complained about big budget deficits during Democratic President Barack Obama's two terms, but now a growing number in the GOP are pushing for deep tax cuts even if they add to the government's $20 trillion debt. President Donald Trump says he is pushing for "the biggest tax cut in the history of our country," as... Tue, 09 May 2017 18:44:00 GMT https://www.mail.com/news/politics/5179280-fiscal-discipline-now-gop-pushes-tax-cuts.html 2017-05-09T18:44:00Z Ask Brianna: How do we budget with a surprise pregnancy? https://www.mail.com/scitech/health/5178666-brianna-we-budget-with-surprise-pregnancy.html "Ask Brianna" is a column from NerdWallet for 20-somethings or anyone else starting out. I'm here to help you manage your money, find a job and pay off student loans — all the real-world stuff no one taught us how to do in college. Send your questions about postgrad life to askbrianna@nerdwallet.com . Finding out you're unexpectedly expecting a baby means... Tue, 09 May 2017 15:17:00 GMT https://www.mail.com/scitech/health/5178666-brianna-we-budget-with-surprise-pregnancy.html 2017-05-09T15:17:00Z Kushner firm apologizes for reference to White House ties https://www.mail.com/news/politics/5177612-kushner-firm-apologizes-reference-to-white-house-t.html WASHINGTON (AP) — Plenty can go wrong when foreign money mixes with immigration green cards, real estate deals and political connections. Revelations that the sister of Jared Kushner, President Donald Trump's son-in-law and adviser, promoted a program offering a path to U.S. citizenship to Chinese backers in a Kushner family project bring new scrutiny to a foreign investor v... Tue, 09 May 2017 09:12:00 GMT https://www.mail.com/news/politics/5177612-kushner-firm-apologizes-reference-to-white-house-t.html 2017-05-09T09:12:00Z Trump in-laws promote thorny visa-for-sale program in China https://www.mail.com/news/politics/5176622-trump-in-laws-promote-thorny-visa-for-sale-program.html WASHINGTON (AP) — Plenty can go wrong when foreign money mixes with immigration green cards, real estate deals and political connections. Revelations that the sister of Jared Kushner, President Donald Trump's son-in-law and adviser, promoted a program offering a path to U.S. citizenship to Chinese backers in a Kushner family project bring new scrutiny to a foreign investor v... Tue, 09 May 2017 02:41:00 GMT https://www.mail.com/news/politics/5176622-trump-in-laws-promote-thorny-visa-for-sale-program.html 2017-05-09T02:41:00Z Liz Weston: Why you need 3 savings accounts https://www.mail.com/business/finance/5176880-liz-weston-why-you-3-savings-accounts.html Some of us hoard cash while paying 18% interest on a credit card balance. Others blow through a tax refund as if it were free money when it's actually a return of our own hard-earned dollars. This brain quirk has a name: mental accounting. We treat money differently depending on where it comes from and how we intend to spend it, often to our own detriment. ... Mon, 08 May 2017 22:23:00 GMT https://www.mail.com/business/finance/5176880-liz-weston-why-you-3-savings-accounts.html 2017-05-08T22:23:00Z Buffett faults United, but sticks with airlines investments https://www.mail.com/business/economy/5176078-buffett-faults-united-sticks-with-airlines-investm.html NEW YORK (AP) — Warren Buffett said Monday that United Airlines bungled the case of the passenger dragged off a plane last month, and he criticized the CEO's handling of the incident. Buffett also said airplanes "may become like cattle cars," but that's because a significant number of passengers will put up with crowding in exchange for cheaper fares. ... Mon, 08 May 2017 22:21:00 GMT https://www.mail.com/business/economy/5176078-buffett-faults-united-sticks-with-airlines-investm.html 2017-05-08T22:21:00Z Nicki Minaj pays college costs for Twitter fans https://www.mail.com/entertainment/music/5175246-nicki-minaj-pays-college-costs-twitter-fans.html Nicki Minaj is putting some fans on scholarship. After a fan asked the hip-hop star if she would pay his college tuition on Twitter on Saturday night, Minaj agreed to pay fans' school costs — on the condition that they show her perfect marks. She wrote , "Show me straight A's that I can verify w/ur school and I'll pay it." A few dozen f... Mon, 08 May 2017 12:00:00 GMT https://www.mail.com/entertainment/music/5175246-nicki-minaj-pays-college-costs-twitter-fans.html 2017-05-08T12:00:00Z Punching in past 65: Older-worker rate highest since 1962 https://www.mail.com/business/economy/5170924-punching-65-older-worker-rate-highest-1962.html NEW YORK (AP) — Retire by your mid-60s? How 1960s. More Americans age 65 and over are still punching the clock, and the last time the percentage was this high was when John F. Kennedy was in the White House. Last month, 19 percent of Americans age 65 and over were still working, according to government data released Friday. That's the h... Fri, 05 May 2017 23:30:00 GMT https://www.mail.com/business/economy/5170924-punching-65-older-worker-rate-highest-1962.html 2017-05-05T23:30:00Z Poll: Ex-cons more anxious than most about retirement funds https://www.mail.com/news/politics/5169078-poll-ex-cons-anxious-than-retirement-funds.html CHICAGO (AP) — While many Americans his age are planning for retirement, Joseph Rodriguez is looking for his first permanent job. Rodriguez, a 51-year-old Chicago resident, spent 35 years in prison for fatally shooting two people. "I don't have the luxury to even think about that (retirement) since I'm having a late start in my life," he says. "I'm going to have to constantl... Fri, 05 May 2017 07:30:00 GMT https://www.mail.com/news/politics/5169078-poll-ex-cons-anxious-than-retirement-funds.html 2017-05-05T07:30:00Z Average US 30-year mortgage rate edges down to 4.02 percent https://www.mail.com/business/finance/5166932-average-us-30-year-mortgage-rate-edges-to-402-perc.html WASHINGTON (AP) — Long-term U.S. mortgage rates barely moved this week after rising last week for the first time in five weeks. The benchmark 30-year rate remained above the key threshold of 4 percent. Mortgage buyer Freddie Mac said Thursday the average rate on 30-year fixed-rate home loans ticked down to 4.02 percent from 4.03 percent last week. The rat... Thu, 04 May 2017 14:54:00 GMT https://www.mail.com/business/finance/5166932-average-us-30-year-mortgage-rate-edges-to-402-perc.html 2017-05-04T14:54:00Z