Investing is more than just saving for the future. It’s about creating a wealth-building strategy to truly make your nest egg grow. That’s because investing typically earns you a higher interest rate than if you put all of your money in a traditional savings account.
While historically low rates are great for when you need to borrow money, they’re pretty dismal when you’re ready to start saving. Investing does come with a higher risk, but you can generally mitigate it with diversified holdings and long-term positions. Plus, it’s easier than ever.
You’re not limited to working with an expensive brokerage or saving a huge amount to reach a minimum investment threshold. Now you can even invest by using an app on your smartphone with the leftover change from your checking account.
Ready to learn how to invest? We’ve got you covered with everything you need to know.
What is investing, and why is it important?
Investing is the act of putting money into financial instruments, such as stocks, bonds, or mutual funds, with the expectation of earning a profit. It allows individuals to save and grow their wealth over time, and can provide a financial cushion for the future, such as during retirement.
The Benefits of Investing
The reason money grows so aggressively through investing is that it’s powered by compound returns. Investments are typically meant for a long-term strategy, rather than taking out money every few months.
When you leave your money untouched in an investment vehicle that offers greater returns than a savings account, your gains continue to compound.
No matter what age you are, it’s a good time to start investing. If you’re younger, you can create a strong foundation to truly accumulate wealth over the coming years.
Even if you’re older, you may be able to catch up faster because of those higher returns. Don’t worry about getting started — even if you can only contribute a small amount each month, you’ll set up the infrastructure and challenge yourself to contribute more as you begin to earn more.
How to Reduce Your Risks in Investing
When investing long-term, you can’t think about your everyday gains and losses; instead, think about how your allocations are performing in the long run. You do want to review your investment choices as you reach different stages in your life; in particular, becoming less aggressive as you get older.
In fact, most investors don’t partake in volatile day trading. They spread their money over diversified investment types to help reduce risk and maximize returns over time.
There will always be economic cycles with highs and lows. But even downturns can be mitigated in your investment portfolio by spacing out your money over different product categories as well as different economic sectors. This can go a long way in protecting your money over time.
If you do want to try out some riskier investments, make sure you view that money as discretionary risk capital, meaning your livelihood and well-being won’t be impacted if you lose it all.
How to Invest Your Money
Diversification is essential, as is setting reminders to review the performance of your picks, such as a quarterly review. It also helps you adjust your asset allocation based on your own financial goals. Are you trying to retire earlier than you initially planned? Are you able to contribute more each month?
With these strategies in mind, here is a comprehensive review of different investment vehicles you can take advantage of to accumulate wealth over time.
Retirement Accounts
Retirement accounts are probably the most common and accessible types of investment accounts. You may be able to open a retirement account through your employer or open one on your own. Each type comes with a different tax treatment, so review the details carefully.
Traditional IRA
A traditional IRA is a tax-advantaged account that allows you to deduct your contributions each year. Once you start making retirement withdrawals, you’ll pay the IRS based on the tax bracket you’re in at that time.
They do have annual contribution limits. For 2024, it’s $7,000 unless you’re 50 years or older, in which case you can contribute up to $8,000.
If you want to take a distribution before you reach the age of 59 ½, you’ll have to pay a 10% penalty on top of your taxes. There are a few exceptions to the penalty, such as when you use the funds for a down payment on a house or qualified college expenses.
Another plus is that there is no income limit for qualifying, unlike other IRA options.
Roth IRA
A Roth IRA is another tax-advantaged retirement account. However, it comes with a few key differences compared to a traditional IRA. You don’t get a tax deduction when you make your contributions, but you do get to deduct your withdrawals once you reach retirement age.
If you think you’ll be in a higher tax bracket once you hit retirement, this could be a useful tool to save on your taxes later in life. For Roth IRAs, the contribution limit is between $7,000 and $8,000, depending on your age.
However, there’s another qualification you’ll have to meet: the income limit.
The more you earn, the less you’re able to contribute. Your contribution limit is reduced when you earn more than $230,000 for those married filing jointly and more than $146,000 for those filing single or as head of household.
Rollover IRA
A rollover IRA is one way to transfer an existing 401(k) from your employer once you decide to leave the company. Sometimes an employer lets you leave it there or transfer your funds to a retirement plan at your new place of work. Whether those two scenarios don’t apply to you or you prefer the flexibility of an IRA, a rollover may be a suitable option for you.
Both traditional and Roth IRAs generally allow you to bring in transfer retirement accounts. Just be sure to check your eligibility for either type, as well as any relevant fees you may incur during the transfer process.
SEP IRA
This type of IRA is designed specifically for self-employed individuals. While traditional and Roth IRAs are often used to supplement retirement savings accrued through employer plans, a SEP IRA allows for higher contribution limits when you work for yourself. The contribution is the lesser of either 25% of your income or $69,000.
Its tax treatment is the same as traditional IRAs. If you have employees, however, you must provide each one with their own SEP IRA and contribute the same salary percentage as you contribute to your own. Still, this can be a strong option to speed up your retirement investments, particularly if you don’t have employees or only have a few.
Stocks
Investing in stocks is typically best for active investors, and ideally, someone who already has experience in the stock market. If you’re just getting started, consider your stock investments as play money rather than something you need to rely on to meet your future financial goals. Because individual stocks are riskier, be sure to diversify the ones you choose to invest in.
Buying and selling stocks can result in hefty commission fees. Consider a buy-and-hold approach to avoid accumulating too many expenses, especially when you’re first getting started.
While you no longer need an established broker to execute trades, you can instead create a brokerage account with one of the larger brokerage firms. Your best bet is to compare fees as well as available research to help you make informed trading decisions.
Mutual Funds
Mutual funds combine your money with other investors to purchase securities for the entire group. The portfolio is professionally overseen by a manager, who then selects different types of stocks, bonds, and other securities on your behalf.
You can gauge the performance of a particular mutual fund by comparing it to its chosen benchmark, such as the S&P 500. If it regularly performs better over the course of a three to five-year period, then it could be a good investment choice.
Mutual funds are a popular choice because you generally don’t need a lot of money to get started. You can often choose one within your retirement account to get around any minimum requirements, or even set up a recurring investment amount.
Plus, mutual funds are extremely diversified, often holding as much as 100 securities in each one. This helps to minimize your risk as well as the amount of time you spend managing your portfolio.
Index Fund
An index fund is a popular type of mutual fund that follows a predetermined investment methodology rather than having a portfolio manager pick the included securities.
For example, you could choose a Dow Jones Industrial Average index fund, which includes 30 powerhouse companies in the U.S. Whiles that’s a large-scale example, different investment firms create their own index funds for investors to conveniently choose from.
Another benefit of investing in an index fund is that transaction costs are often lower, as are their mutual fund expense ratios. Many index funds are also geared toward investors with lower balances. While some firms have high minimum opening balances of $100,000 or more, you can get started with much less when you pick an index fund.
Exchange-Traded Funds (ETFs)
An exchange-traded fund, or ETF, trades the same way a stock does while tracking a certain basket of assets. There are countless types of ETFs to choose from based on your investment goals.
Common options include market, bond, commodity, foreign market, and alternative investment ETFs. They’re bought and sold like stocks throughout the day, but a major difference is that ETFs can issue and redeem their shares at any point.
There are many benefits that go along with an ETF. For starters, you have more control over when you pay your capital gains tax. There are also lower fees, although you’ll still pay brokerage commissions. Finally, while mutual funds can only be settled after the stock market closes for the day, an ETF allows you to trade at any time.
Bonds
Bonds are a good tool to have in your investment portfolio because they are a low-risk option. Different types of bonds include corporate, municipal, and Treasury bonds. Bonds are fixed-income investments, so you know exactly what to expect when those payout dates come throughout the year. Such predictability does come with a few downsides, though.
First, bonds come with a fixed investment period. If you invest in a longer-term bond, then you’re stuck with it until it matures — unless you decide to sell. But there’s a bit of risk involved there, involving the interest.
Bond rates aren’t locked in, so yours could be devalued if the same issuer bumps up the interest rate at a later time. So if new investors get a better interest rate than you did, you’re still locked into your lower rate. In general, bonds generally come with lower growth than other investments, but that’s considered the trade-off for a lower-risk vehicle.
Real Estate
People always need a place to live, so real estate investing can be an attractive option for investors. There are several ways to do this that account for your desired risk tolerance as well as your desired level of involvement.
Investment Properties
If you feel the drive to own property, an investment property is one way to make a real estate investment. Depending on how you choose to manage your property, this can amount to a steady stream of passive income.
Over time, you could also benefit from market appreciation, although that’s not necessarily guaranteed. There are risks involved with investment properties. Unlike investing in a stock or fund, a physical property involves expenses, such as upkeep, marketing, and a management firm if you want a hands-off experience.
You’ll also need some cash to get started, since most investment property loans require at least a 25% down payment. Moreover, the mortgage is considered part of your debt-to-income ratio, which could affect your future financing opportunities.
If you ever want to cash out on your investment, you’ll be subject to the market value of that moment. Plus, it’s a cumbersome, illiquid way to invest money. Still, the returns can be much greater than traditional investments, making investment properties an attractive option to some people.
REITs
If you would like to invest in real estate without the hassle of acting as a landlord, consider a real estate investment trust, or REIT. These are traded on the stock exchange and can also be offered in the form of a mutual fund or ETF.
Returns can increase as property values rise and generally focus on a portfolio of commercial properties. Shareholders also benefit because REITs don’t pay corporate tax, which helps boost returns as well.
You can pick what sector you want to invest in, such as healthcare, residential, hotel, or industrial REITs. Each comes with separate risks that should be weighed thoughtfully. REIT shares can be purchased through a broker, and each one will have its own fee structure to review as well.
Crowdfunding
Real estate crowdfunding is a type of peer-to-peer lending that is growing traction among investors of all levels. New fintech companies are popping up to compete with REITs, claiming better returns. So, what’s the difference between REITs and real estate crowdfunding sites?
The most significant difference is that instead of choosing a portfolio of properties within a certain asset class, you can choose specific commercial properties in which to invest. While individual investors traditionally wouldn’t be able to invest directly in projects like these, crowdfunding lets you enter these markets with a much smaller amount of cash.
One of the benefits is that you can do much more specialized research to determine what property to invest in. The process is much less passive than REITs. On the downside, however, the risk potential could be higher since your money is riding on one single building rather than a diversified portfolio.
See also: How to Build Generational Wealth
Platforms for Investing Your Money
There are many ways to start investing your money. A financial advisor, though charging extra fees, may provide you with much-needed guidance and education, especially if you’re a beginner. But if you prefer a little less hand-holding, you can consider two other options as well.
Online Brokers
Online brokerages give you the convenience of investing online with the added benefit of controlling what you invest in. So, it’s definitely a more hands-on process than the robo-advisor. Like robo-advisors, however, most online brokers don’t have a minimum balance requirement, so they’re still quite accessible to all types of investors.
Instead of paying a percentage of your funds, online brokers usually charge transaction fees for trades, as well as one-off fees. On the plus side, you’re not limited to your choosing certain funds, as you are with a robo-advisor. If you’d like, you can even select individual stocks. Online brokers and robo-advisors cater to two different types of investors, so the best choice depends on your specific goals.
Robo-Advisors
Enlisting the help of a robo-advisor can be helpful for beginning investors or anyone who wishes to utilize a “set it and forget it” mentality for their portfolio.
Robo-advisors don’t use human financial advisors; instead, they rely on computer algorithms to determine your portfolio allocations. Many of them also use tax harvesting strategies to decrease your tax burden at the end of the year.
Service fees are low and generally charged as a percentage of your invested funds. The transparency is excellent for new investors, and you can also benefit from the low minimum balances. Different robo-advisors offer different investment vehicles you can choose from. You can also pick one based on their investing strategy; most, for instance, pick from ETFs and index funds.
Bottom Line
There are a slew of intricacies for building your investment strategy and making your money work for you. Start with a plan that makes sense for your risk tolerance while still leaving room for growth.
You can access countless resources, from free online tutorials to paid financial advisors, to ensure you have a robust investment plan that will generate a passive income strategy to meet your goals.
How to Invest FAQs
What are the different types of investments?
There are many types of investments. The most popular investments include stocks, bonds, mutual funds, exchange-traded funds (ETFs), and real estate. Each type of investment carries its own level of risk and potential return.
What are the risks of investing?
Investing involves risk, including the potential for loss of principal. The value of investments can fluctuate and may be affected by market conditions, economic events, and other factors.
It’s essential to understand the risks associated with any investment and to consider your risk tolerance before making any investment decisions.
How do I choose the best investments for me?
The best investments for you will depend on your financial goals, how much risk you can tolerate, and other personal factors. It can be helpful to consult an investment advisor or do your own research to determine which investments are suitable for you.
It’s also wise to diversify your portfolio, or invest in various assets, to spread risk and potentially maximize returns.
How much money do I need to start investing?
There is no minimum amount required to start investing. In fact, you can get started investing with $500 or less. However, you should first have a sufficient emergency fund in place before investing. Some investments may have minimum investment requirements, such as mutual funds or certain types of brokerage accounts.
What is a brokerage account?
A brokerage account is a type of investment account that allows you to buy and sell assets such as stocks, mutual funds, ETFs, and bonds. When you open a brokerage account, you typically do so with a financial institution, such as a bank, a credit union, or an online brokerage firm.
To open a brokerage account, you will generally need to provide some personal information, such as your name, address, and Social Security number. You will also typically need to make a deposit of money into the account, which you can use to buy investments.
Once you have a brokerage account, you can place orders to buy or sell investments online, over the phone, or through a broker. The brokerage firm will execute the trades on your behalf and will typically charge a commission or fee for the service.
Brokerage accounts offer a convenient way to manage your investments and to buy and sell assets easily and quickly. They also provide a range of tools and resources to help you make informed investment decisions, such as market research, news and analysis, and educational materials.
Can I invest in stocks with just $100?
Yes, it is possible to invest in stocks with a relatively small amount of money, such as $100. Many brokerage firms have no minimum initial deposit requirement and allow you to start investing with whatever amount of money you have available.
How do I diversify my investment portfolio?
Diversification is the process of investing in various assets to spread risk and potentially maximize returns. This can be achieved by investing in different types of assets, such as stocks, bonds, and real estate, or by investing in different sectors or industries within a particular asset class. To maintain a diversified portfolio, review and adjust it periodically.
What is a financial advisor and do I need one?
A financial advisor is a professional who provides advice on financial matters, such as investing and saving for retirement. Whether you need a financial advisor will depend on your financial goals, risk tolerance, and investment experience. Some people may prefer to handle their own investments, while others may benefit from the guidance of an investment advisor.
How do I determine my risk tolerance?
Risk tolerance is an individual’s willingness to accept financial risk in pursuit of potential returns. Factors that may affect how much risk you’re willing to take include age, financial goals, and personal comfort level with risk.
Can I lose money by investing?
Investing always carries some level of risk, as the value of your investments can fluctuate and be impacted by various market conditions and economic events. It’s crucial to understand the risks associated with any investment and to consider your risk tolerance and investment objectives before making any investment decisions.
Diversifying your portfolio and not investing more money than you can afford to lose can help mitigate potential losses. Always be sure to do your research and consider seeking investment advice from a financial advisor before making any decisions.
ISM Outshines NFP, But Neither Ended Up Leaving a Mark
By:
Matthew Graham
Fri, Jan 5 2024, 5:17 PM
ISM Outshines NFP, But Neither Ended Up Leaving a Mark
It has happened before, but it’s not common: those Fridays where bonds move in one direction in response to the jobs report only to move even more in the opposite direction after the ISM Non-Manufacturing Index. Considering that both moves were ultimately erased today, we don’t feel too compelled to overanalyze, but ISM definitely had the upper hand. Chalk that up to the jobs report being not as strong as the headline might suggest and to ISM’s employment component being staggeringly weaker. Bonds escaped with minimal damage–especially MBS as they don’t have to worry about an auction cycle like Treasuries next week.
Nonfarm Payrolls
216k vs 170k f’cast, 173k prev
Unemployment Rate
3.7% vs 3.8% f’cast
Participation rate
down 0.3% (implies higher unemployment)
ISM Services PMI
50.6 vs 52.6 f’cast, 52.7 prev
ISM Services Employment
lowest since July 2020
ISM Service Prices
57.4 vs 58.3 prev
08:57 AM
Weaker overnight with additional selling after jobs report. Some resilience now. MBS back to pre-NFP levels, down a quarter point on the day. 10yr up only 5bps at 4.055 after being as high as 4.10
10:11 AM
More gains after ISM data. 10yr down 4.5bps at 3.959. MBS up 1 tick (0.03).
12:35 PM
post-ISM rally fading. 10yr up 3.2bps at 4.036 and MBS down nearly an eighth of a point.
02:14 PM
Holding ground now, slightly better than the early PM swoon. MBS down only 2 ticks (.06) and 10yr up 2.3bps at 4.027.
05:13 PM
MBS outperform into the close, ultimately hitting unchanged levels as Treasuries ticked up 4.7bps to 4.051. Apprehension over next week’s auction cycle? Curve steepening favoring shorter durations? Either way we’ll take it.
Download our mobile app to get alerts for MBS Commentary and streaming MBS and Treasury prices.
If you’re expecting a refund from the IRS, you shouldn’t have to wait too long for your money. According to the IRS, it issues about 90% of refunds within three weeks of receiving your filing. Key to receiving your refund quickly are two actions on your part: using e-file and providing your bank info for direct deposit.
In fact, a directly deposited refund can show up in as little as five days.
This table shows the estimated times for receiving an IRS tax refund depending on how you file and choose to get your refund:
Estimated Federal Tax Refund Schedule
Filing Method and Receiving Method
E-File, Direct Deposit
Paper File, Direct Deposit
E-File, Check in Mail
Paper File, Check in Mail
Time between filing date and receiving refund
1-3 weeks
3 weeks
1 month
2 months
What Money Will Be Included In My Tax Refund This Year?
Of course, the size of your refund depends on how much you overpaid. But the average refund for individuals in 2023 was $2,753. That figure is down from 2022, when the average tax refund was $3,012.
To get your refund faster, you may want to file earlier, rather than waiting until the last minute. Typically, the tax season, when the IRS starts accepting and processing returns, starts in late January. 💡 Quick Tip: We love a good spreadsheet, but not everyone feels the same. An online budget planner can give you the same insight into your budgeting and spending at a glance, without the extra effort.
Reasons for Your Tax Refund to be Delayed
People typically receive their tax refund two weeks after the IRS accepts their tax filing if they opt to receive a direct deposit, or in three weeks if they choose to get a check in the mail. But if you’re still waiting after that point and wondering where your tax refund is, here are a few possible reasons for the delay:
• If anything in your return is incomplete or incorrect, the IRS may need to give the return further review before sending you a refund check. In this case, you may get a notice from the IRS in the mail with instructions for fixing or completing your tax return. It may take up to four months for the IRS to process returns that require extra handling. The sooner you respond to the IRS request for information, the sooner your return will be processed.
• If you are claiming the Earned Income Tax Credit or Additional Child Tax Credit, there may be a delay in receiving your tax refund. The IRS is required to hold any tax returns for people claiming those two tax credits until mid-February. This hold will show up in the “Where’s My Refund” tool on the IRS site if it applies to you.
• Your bank or credit union may take more time to post a refund to your account. The time for posting IRS refunds varies from institution to institution.
Recommended: IRS Tax Refund Dates and Deadlines
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How to Use the ‘Where’s my Refund’ Tool on the IRS Site
The IRS has a “Where’s My Refund” tool on irs.gov where anyone can check and see the status of their tax refund. It can also be accessed using the IRS2Go mobile app. If you submit your tax return electronically, you can easily check on the status of your refund online within 24 hours of filing. If you mail your tax return, it will take about a month or longer for any information about refunds to show up on the IRS site.
In order to access your refund information on the IRS website, you will need to input your social security number, tax filing status, and the dollar amount that you expect to receive on the return. Double check your information before submitting it: If the wrong social security number is entered, this could result in an error, extra identity verification steps, and even a delay in receiving your tax refund.
What Do the IRS Tax Return Statuses Mean?
There are three different IRS tax return statuses that you will see when you use the Where’s My Refund tool. Here’s what they mean:
Received
Once the IRS has received a return, it is marked as received. You can check to see if your return has been received using the “Where’s My Refund” tool on the IRS site.
Approved
Once the IRS processes a tax return and there are no errors or missing information, it is marked as approved. At that point, the process of sending a refund by mail or direct deposit can begin.
Sent
When the IRS mails out a refund check or sends a direct deposit refund, the tax return status is marked as “sent.” 💡 Quick Tip: Income, expenses, and life circumstances can change. Consider reviewing your budget a few times a year and making any adjustments if needed.
How to Contact the IRS About Your Tax Refund
It’s best to wait at least 21 days after filing your return electronically, and six weeks after mailing your return, to contact the IRS by phone. At that point, you can call the IRS refund hotline at 800-829-1954.
Recommended: 41 Things to Do With Your Tax Refund
The Takeaway
Knowing when you’ll receive your tax refund can be helpful if you’re planning to use the money to pay off debt, create a budget, or save for a big purchase. Filing your return electronically and opting to get your refund via direct deposit will allow you to get your return quickly, typically within three weeks. A money tracker app can help you manage your finances, including your refund, and track your spending and savings.
Take control of your finances with SoFi. With our financial insights and credit score monitoring tools, you can view all of your accounts in one convenient dashboard. From there, you can see your various balances, spending breakdowns, and credit score. Plus you can easily set up budgets and discover valuable financial insights—all at no cost.
See exactly how your money comes and goes at a glance.
FAQ
How quickly will I get my refund?
Most refunds are sent within three weeks of the IRS receiving a tax filing, but it can sometimes take longer, especially if you mail your return or opt to get your refund by check through the mail.
It’s been longer than 21 days since the IRS received my return and I haven’t gotten my refund. Why?
Sometimes the IRS needs to manually review tax returns if they are incomplete, have errors, or if fraud is suspected. Also, if a taxpayer claims certain tax credits, such as the Earned Income Credit or Additional Child Tax Credit, his or her return may take longer to process.
Will calling help me get my refund any faster?
Calling may help you track where your refund is, but it won’t necessarily help you get it faster. Wait at least 21 days after filing your return electronically, and six weeks after mailing your return to contact the IRS by phone. You can call the IRS refund hotline at 800-829-1954.
Photo credit: iStock/rez-art
SoFi Relay offers users the ability to connect both SoFi accounts and external accounts using Plaid, Inc.’s service. When you use the service to connect an account, you authorize SoFi to obtain account information from any external accounts as set forth in SoFi’s Terms of Use. Based on your consent SoFi will also automatically provide some financial data received from the credit bureau for your visibility, without the need of you connecting additional accounts. SoFi assumes no responsibility for the timeliness, accuracy, deletion, non-delivery or failure to store any user data, loss of user data, communications, or personalization settings. You shall confirm the accuracy of Plaid data through sources independent of SoFi. The credit score is a VantageScore® based on TransUnion® (the “Processing Agent”) data.
Non affiliation: SoFi isn’t affiliated with any of the companies highlighted in this article.
Tax Information: This article provides general background information only and is not intended to serve as legal or tax advice or as a substitute for legal counsel. You should consult your own attorney and/or tax advisor if you have a question requiring legal or tax advice.
Financial Tips & Strategies: The tips provided on this website are of a general nature and do not take into account your specific objectives, financial situation, and needs. You should always consider their appropriateness given your own circumstances.
Frontier Airlines has over 100 aircraft in its fleet and operates flights throughout North America and the Caribbean.
As with any airline, there are no doubt times you’ll find yourself needing to be in touch wtih Frontier Airlines’ customer service — maybe you misspelled your name on your ticket or need to cancel a booking.
Let’s take a look at how to contact Frontier’s customer service agents, including the different methods you can use.
How do I reach Frontier Airlines customer service?
Frontier has a customer service page on its website where you can find all the information you need about contacting Frontier. This includes the ability to take care of any self-service options such as changing or canceling your flight.
🤓Nerdy Tip
If your Frontier Airlines reservations have been changed, canceled or disrupted due to no fault of your own, you’ll want to use Frontier’s dedicated page to manage your booking.
How to call Frontier Airlines customer service
In late 2022, the airline announced it was shutting down its customer service phone line, meaning there’s no longer a Frontier Airlines phone number you can call.
You’ll need to use one of the other methods listed in this article to contact the airline with any questions, comments or concerns.
Can you chat with Frontier Airlines?
Because there is no Frontier customer service number, you’ll need to start a chat in order to speak with a customer service representative.
You can chat with agents directly on the Frontier Airlines website, available 24/7.
If you have the messaging service app WhatsApp, you can choose to message the Frontier Airlines customer service number at 720-902-3969.
How to message Frontier Airlines
Frontier Airlines maintains other lines of communication if its chat options aren’t working for you. This includes social media handles at both X, formerly known as Twitter, and Facebook.
Reaching out directly to Frontier Airlines customer service on the X platform can be done via the handle @FlyFrontier.
How to email Frontier Airlines
You can reach out to the company via its contact form rather than via email. You’ll be asked to provide your personal information, such as your email address, name, street address and phone number. There’s also a section where you can input the reason for your message.
Whom do I contact about my Frontier Miles loyalty account?
There is no specific page where you can contact someone about your account, though the aforementioned contact form does give this as an option to input the reason for your message.
Does Frontier give refunds for canceled flights?
The U.S. Department of Transportation requires all airlines that cancel a flight in the U.S. to give their passengers a refund, no matter the reason. This is the case for strikes, weather disruptions, aircraft maintenance and more.
Frontier is no exception — if the airline cancels your flight, you are entitled to a complete refund.
🤓Nerdy Tip
Frontier will also give you a meal voucher or cash if your flight cancellation results in waiting three or more hours for a new flight.
How to find lost luggage on Frontier Airlines
If you’ve checked a bag and can’t find it at baggage claim, you’ll first need to find a Frontier representative to report the missing item. This must be done within four hours of arriving at your destination.
If you can’t find a Frontier representative, you have two additional options for reporting the loss:
Where do I offer feedback or send a complaint to Frontier Airlines?
If you have a complaint you want to share with the airline, you’ll need to use the Frontier complaint form.
Although this form differs from the standard contact form, you’ll go through the same process of entering your information and selecting the reason for your complaint from a drop-down menu.
Contacting Frontier Airlines customer service recapped
You can no longer reach Frontier customer service by phone, so you’ll need to use one of its digital options — chat, WhatsApp, the contact form or its social channels — if you want to speak with a representative.
For most questions or requests, you can use the self-service options available on Frontier’s website.
You can submit a form on the airline’s website with feedback, questions, lost baggage help, cancellation refund requests or complaints.
How to maximize your rewards
You want a travel credit card that prioritizes what’s important to you. Here are our picks for the best travel credit cards of 2024, including those best for:
You’re likely familiar with the story of Robinhood, the outlaw who stole money from the rich and gave it to the poor. Well, you’ll find a similar principle behind the investing app, Robinhood.
The founders of Robinhood aren’t stealing anything, but they do believe that the current financial system doesn’t benefit every American. For that reason, they make it easy for non-traditional investors to get started.
When you sign up for Robinhood, you get access to commission-free trades, a cash management account, and a lot more. Keep reading to learn more about the pros and cons of signing up for Robinhood, as well as whom the app is best for.
Introduction to Robinhood
Robinhood is a popular investing app that allows users to trade stocks, options, exchange-traded funds (ETFs), and even cryptocurrencies without paying any commission fees. It was founded in 2013 and has since grown to over 22 million users, disrupting the financial industry.
The app is designed to cater to non-traditional investors and make the financial system more accessible to everyone. In this Robinhood review, we’ll explore its features, pros and cons, and determine who it’s best suited for.
How does Robinhood work?
When you sign up for a Robinhood account, you’ll get your first stock for free, even if you don’t deposit any funds. Signing up for an account is easy. All you have to do is enter your name, email address, and create a password.
From there, you’ll be prompted to enter more personal information, like your address and Social Security Number. Robinhood is required by federal law to request this information.
After you’ve set up your brokerage account, you’ll outline your investing experience thus far. And to go forward, you will need to fund your account at this point. However, there’s no minimum deposit required to fund the account, so you can always start small and invest more later.
You can connect your bank account to the Robinhood app to make funding your account easier. And there are no fees for transferring money in and out of your account.
Get started with Robinhood
on Robinhood’s secure website
Robinhood’s User Interface and Ease of Use
User-friendly interface: One of the key selling points of Robinhood is its simple, user-friendly interface. Both the web and mobile versions of the app have been designed to make it easy for users to navigate and trade. The intuitive design allows users to quickly understand their account, monitor their investments, and execute trades with minimal hassle.
Account setup and verification: Setting up an account with Robinhood is a straightforward process. Users can sign up with just their name, email address, and a password. Further personal information, such as address and Social Security number, is required due to federal law. Once the account is set up, users can outline their investing experience and link their bank account for easy funding.
Diving Deeper into Robinhood’s Features
Robinhood offers several features that make it stand out from other investing apps:
Zero commissions: As mentioned earlier, Robinhood has been a pioneer in offering commission-free trading on stocks, options, ETFs, and cryptocurrencies. This feature has helped democratize investing and lower the barriers to entry for non-traditional investors.
Cryptocurrency trading: Robinhood is among the few investing apps that support cryptocurrency trading. Users can trade popular cryptocurrencies like Bitcoin, Ethereum, Litecoin, and Dogecoin. This added functionality allows users to diversify their investments within a single platform.
Mobile app: Robinhood’s mobile app is highly regarded for its ease of use and clean design. Users can quickly view their portfolio, monitor market news, and execute trades on the go.
Account notifications: Users can customize their notification settings to receive alerts about their account performance, significant price movements, and other relevant information.
Daily market updates: Robinhood’s news feed provides users with daily updates on market trends, economic news, and other developments that can impact their investments. This helps users stay informed and make better investment decisions.
Exploring Additional Robinhood Features and Aspects
In addition to the features already discussed, Robinhood offers various other aspects that make it an attractive choice for investors. Let’s dive into some of these additional features and see how they can benefit users.
Extended-hours trading
Robinhood allows users to participate in extended-hours trading, which includes pre-market and after-hours trading sessions. This feature gives investors the opportunity to act on news and events that happen outside of standard market hours, potentially capitalizing on price movements before the broader market reacts.
Options trading
Robinhood offers options trading, which involves buying and selling contracts that give investors the right, but not the obligation, to buy or sell a stock at a specific price within a specified period. This feature enables users to implement more sophisticated trading strategies and potentially profit from market volatility, while also providing the flexibility to manage risk according to their preferences.
Dividend Reinvestment Program (DRIP)
Robinhood supports a Dividend Reinvestment Program, allowing users to automatically reinvest their dividends back into the underlying stocks or ETFs. This feature can help investors grow their portfolios more efficiently over time by harnessing the power of compounding returns, allowing them to maximize their potential earnings.
Fractional share dividend reinvestment
In addition to allowing fractional share purchases, Robinhood also enables users to reinvest dividends as fractional shares. This functionality ensures that users can continue to grow their investments, even if they don’t have enough dividends to purchase a full share, making it a valuable tool for long-term wealth accumulation.
Instant deposits
Robinhood offers instant deposits for its users, allowing them to access their transferred funds more quickly (up to $1,000). This feature ensures that users can take advantage of investment opportunities without waiting for their funds to settle, providing a more seamless investing experience.
Security and account protection
Robinhood prioritizes the security of its users’ accounts and personal information. The platform uses industry-standard encryption and security measures to protect user data. Additionally, Robinhood accounts are insured by the Securities Investor Protection Corporation (SIPC) for up to $500,000, including a $250,000 limit for cash. This protection offers users peace of mind as they navigate the world of investing.
Educational resources
Robinhood offers various educational resources, including articles and guides, to help users improve their investment knowledge and make more informed decisions. These resources can be especially beneficial for new investors looking to learn more about the world of investing, equipping them with the knowledge needed to navigate the markets confidently.
Social aspect and community
Robinhood’s platform has a social component, allowing users to follow friends, family members, or other investors and view their portfolios. This feature can create a sense of community and motivate users to learn from one another’s investment strategies, fostering collaboration and the sharing of ideas.
Benefits of Robinhood
There are several advantages to using Robinhood as your investing app of choice:
No account minimum: Robinhood requires no minimum deposit to start trading, making it accessible to users with limited funds.
Free trading: Commission-free trades on stocks, options, ETFs, and cryptocurrencies helps users save on trading costs.
Cash management account: Robinhood offers a cash management account with a 1.50% APY on uninvested cash, no hidden fees, and a debit card issued by Sutton Bank.
Fractional shares: Users can invest in fractional shares of thousands of stocks, allowing them to build a diversified portfolio with minimal investment.
Drawbacks of Robinhood
Despite its numerous benefits, there are a few drawbacks to using Robinhood:
Limited account types: Robinhood only supports individual taxable accounts, so users looking to open other types of brokerage accounts will need to explore other platforms.
Limited trading tools: Robinhood’s research and trading tools are relatively basic compared to those offered by other online brokers.
Minimal customer support: Customer support is primarily available through a chatbot and FAQ page, which may not be sufficient for users with more complex queries.
Get started with Robinhood
on Robinhood’s secure website
Robinhood Gold: Premium Features for Advanced Investors
Robinhood Gold is a subscription-based premium service that offers a suite of advanced features designed for more experienced investors. By upgrading to Robinhood Gold, users can access the following benefits:
Bigger Instant Deposits
While standard Robinhood users can access instant deposits of up to $1,000, Robinhood Gold subscribers receive instant deposits depending on their account balance. This feature allows users to invest larger amounts immediately, without waiting for their funds to settle.
Level II Market Data
Gain access to Level II market data provided by Nasdaq TotalView, which shows real-time bids and asks for stocks. This advanced market data can help users make more informed trading decisions by providing greater transparency into market activity.
Margin Trading
Robinhood Gold allows users to trade on margin, providing them with access to additional buying power by borrowing funds from Robinhood. With margin trading, users can potentially amplify their gains, but should be aware that it also increases the risk of losses. It’s essential to carefully consider the potential risks and rewards before engaging in margin trading.
Research Reports
Subscribers receive access to research reports from Morningstar, a leading provider of independent investment research. These reports can help users make more informed decisions by offering in-depth analyses of individual stocks and industries.
Access to Investing in IPOs
Robinhood Gold users have the opportunity to invest in initial public offerings (IPOs) before the stocks are listed on public exchanges. This feature allows users to potentially profit from the early stages of a company’s growth, as well as gain exposure to new and innovative industries.
The cost of Robinhood Gold is $5 per month, which includes access to all the premium features mentioned above. It’s important to note that margin trading also comes with additional fees based on the amount borrowed, so users should carefully consider the costs before utilizing this feature.
Robinhood: Ideal for New and Casual Investors
Robinhood is best suited for new investors who want an easy-to-use platform to start trading with minimal barriers to entry. It’s also an excellent choice for casual investors who prefer a more hands-off approach, as the app’s features and design make it easy to monitor investments and stay informed on market trends.
For those interested in margin trading, Robinhood Gold is an option worth considering. This premium service costs $5 per month and provides access to additional margin, ranging from $5,000 to $50,000, depending on the user’s deposit amount.
However, Robinhood may not be the best fit for individuals focused on long-term retirement savings, as it doesn’t offer retirement accounts or investment options like bonds and mutual funds. Additionally, more experienced investors seeking advanced research tools and a wider range of account types may find Robinhood’s offerings somewhat limited.
Other Considerations and Alternatives to Robinhood
While Robinhood is a popular choice for many investors, it’s essential to consider other factors and alternatives before deciding on an investing platform.
Tax implications: Investing through Robinhood’s individual taxable account means that any capital gains or dividends received will be subject to taxation. Users should be aware of the tax implications of their investments and consider seeking professional tax advice.
Risk management: Investing always carries a degree of risk, and Robinhood is no exception. It’s crucial for users to assess their risk tolerance, diversify their investments, and develop a long-term investment strategy to minimize potential losses.
Alternatives to Robinhood: There are several other investing apps and platforms available that cater to different types of investors. Some popular alternatives include:
Fidelity: A full-service brokerage offering a wide range of account types, investment options, and advanced research tools. Fidelity is ideal for more experienced investors or those looking for a more comprehensive investment platform.
M1 Finance: A robo-advisor and brokerage platform that allows users to create custom portfolios or choose from expert-curated portfolios. M1 Finance is suitable for investors who prefer a more automated approach to investing.
Acorns: A micro-investing app that rounds up users’ everyday purchases and invests the spare change into a diversified portfolio. Acorns is perfect for beginners who want to dip their toes into investing with minimal commitment.
Bottom Line
Final Thoughts on Robinhood
Robinhood is a solid option for new investors looking to explore the world of trading without paying commission fees. The user-friendly interface, zero-commission trades, and various features make it an attractive choice for casual investors or those just starting. However, more experienced investors or those with specific account needs may need to consider other brokerage platforms.
By weighing the pros and cons, potential users can decide if Robinhood is the right fit for their investment goals and preferences. With no commitment required and a free stock upon sign-up, there’s little risk in giving Robinhood a try and determining if it meets your investing needs.
Verification, Lien Release Products; Relying on Interest Rate Predictions? STRATMOR Outlook
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Verification, Lien Release Products; Relying on Interest Rate Predictions? STRATMOR Outlook
By: Rob Chrisman
Thu, Jan 4 2024, 11:00 AM
“My dad always said to me, ‘Work until your bank account looks like a phone number’ so I did. Account balance: $9.11.” You can work harder, or you can work smarter. (I have severe doubts about the validity of this clip; it gave me the willies watching it.) Swimming is certainly a competitive sport. Do you have competitors? Most businesses do. Which is a reason that hotels offer free ice, thanks to a hotel chain that began in Memphis, TN. If the Mortgage Bankers Association is right, and volume does pick up some in 2024, that doesn’t mean the competition to do that business is going to go away. Numbers game. 5 calls, 25 a week, one closed loan $4k, two loans $8k. At these rates, less competition. If rates come down, competition for inventory just increases. (Today’s podcast can be found here, and this week’s is sponsored by the STRATMOR Group, the data-driven mortgage advisory. At STRATMOR, insights and knowledge are applied to guide mortgage clients to make sound strategic decisions and take actions that improve their success. Hear an interview with the STRATMOR Group’s Garth Graham on if industry forecasts for a better market should lead to industry optimism.)
Broker and Lender Programs and Software
Servicers know how much work it takes to release a lien once a mortgage has been paid off. That’s why they’re turning to the new Automated Lien ReleaseSM (ALR) capability in the ICE MSP® servicing system to help lighten the load at the end of a loan. ALR combines document creation and automated workflows to streamline the lien release process. It helps with eSigning and eRecording where available (and prints the release package for wet sign where it’s not) to help servicers cut through the delays and release liens faster. Read the press release to see how you can start releasing fully paid liens in days instead of weeks.
Truv is now an approved third-party service provider supporting Freddie Mac Loan Product Advisor® asset and income modeler (AIM) Revolution Mortgage estimates that they can save up to $20,000 in cost on verifications with TRUV over competitors. “Let’s talk about our documentation costs and those giant monopolies that are out there and laughing at customers and increasing prices because they have a particular monopoly. You want to lower your manufacturing costs” said Femi Ayi, EVP Operations. Contact TRUV today to discuss how we can help you with your income, employment, insurance, and asset verifications. Come join us!
Be Wary of Relying on Interest Rate Predictions
I am asked all the time, “Hey Rob, where do you think rates will be in six months?” My answer, after I say that I can’t even predict where I’m going to have lunch tomorrow, is always the same, “Higher, or lower, or possibly the same.” Or sure, one can have a prediction until a ship becomes stuck in the Suez Canal, a ship is attacked in the Red Sea, or a pandemic occurs. A recent STRATMOR blog is titled, “Interest Rates are Like the Weather? Or Like Signs of the Zodiac?”
The interest rate markets have a way of humbling almost all the ‘experts’ and the very first thing you learn in Secondary Marketing is that you shouldn’t take a view on where rates are headed because half the time, you’re wrong anyway. In Q4 of 2022 the arm-chair prognosticators were predicting that we’d see rates come down by the end of 2023. After reaching a peak in October, Treasury rates did come down to where they were at the beginning of 2023. But mortgage rates were well into the 7 percent range.
The Federal Reserve, in its attempts to control inflation and cool a very strong economy, raised fed funds several times in 2023. Throughout the year, however, we heard, inside the world of mortgage banking, opinions expressed that rates will not only come down, but when to expect this to happen. Based upon what data, one should ask, are their views speculative, biased, or just hopeful?
I would challenge these prognosticators as to the reasons why mortgage rates are positioned to fall. What leads them to predict that? I’m sure some opinions are based on fundamentals: Fed raises rates to control inflation, money is taken out of the economy, the economy cools, Fed cuts rates, and mortgages come down to some predicted level. A lot of the predictions I see are not rooted in actuality, but rather rooted in exuberance for mortgage banking.
In the summer of 2023, little of the macro data even hinted at a reduction of short-term interest rates. Inflation, which has been grinding lower, was a tad north of 4 percent with the Federal Reserve’s target set at 2 percent. Economists have modeled that unemployment would need to reach as high as 7 percent in order for inflation to come down to 2 percent… Not a pretty picture. Remember, when an economy ‘slows’ jobs are not created, historically they’re lost.
The Fed was relatively “hawkish” in its monetary policy for the remainder of 2023 until the end. Anyone predicting where interest rates will be in the future would need to start by predicting where the Federal Funds rate NEEDS to be in order to see inflation that’s appealing to the Fed, and then ultimately, HOW LONG rates needs to remain there; when is it warranted to reduce borrowing rates under recessionary fears? These are two almost impossible questions to answer since the number of variables that you need to get right, coupled with unpredictable world events, play such a strong role in forecasting interest rates.
A year from now, rates will either be higher, lower or the same. So, focus on your products and services!
Capital Markets
Ever wondered how to hedge a mortgage pipeline? Hedging one’s mortgage pipeline typically produces the greatest return over long-term macroeconomic cycles, which is why it is considered an essential step in the growth of a mortgage lender. In MCT’s whitepaper, Mortgage Pipeline Hedging 101, their experts explain what hedging is and why it is a valuable strategy for maximizing profitability in the secondary market. The whitepaper also reviews information on moving to mandatory loan sales, the strategy of hedging, the benefits of hedging, and how to determine if you are ready. Download the whitepaper or join MCT’s newsletter for upcoming releases.
Turning to interest rates, what’s that you say? Markets have gotten ahead of the Fed again? Gasp! Yes, markets aren’t looking all that cheerful in the new year. I don’t put much opinion in here, but I’d say it’s because of investors’ own doing. The added potential for interest rates to stay high for some time is forcing investors to continue to unwind optimistic trades placed in late 2023. The Federal Reserve’s policy makers poured water on predictions of early 2024 interest rate cuts, revealed the minutes from the most recent Federal Open Market Committee meeting, with several voting members seeing the potential for the fed funds rate range to stay at a peak level for longer than the market expects.
Policymakers did acknowledge that we are probably at the peak of rates and that projections show cuts by year-end. Richmond Fed President Barkin cautioned that the potential for more rate hikes remains alive, called a soft landing “increasingly conceivable but in no way inevitable,” and added that any decision on a March cut is a “long way away.” Staff projections point to rate cuts by the end of 2024, but officials do not seem to be supportive of a series of cuts at this time.
The minutes from the Federal Open Market Committee meeting hinted at hard landing concerns amongst board members while recognizing that they could “face a tradeoff between its dual-mandate goals in the period ahead.” Fortunately, there were more indications of optimism about inflation, which is supported by the latest jobs data showing cooling.
U.S. job openings fell in November to 8.79 million in November, the lowest level since early 2021 as fewer workers voluntarily quit and the number of hires fell. People who voluntarily left their jobs as a share of total employment fell to the lowest point since September 2020, signifying that Americans are feeling less confident in their ability to find new jobs or better paying jobs in the current market.
Separately, we also learned yesterday that the December ISM Manufacturing PMI indicated an ongoing contraction in the manufacturing sector, but at a slower pace than the previous month. December marked the 14th straight month the PMI reading has been in contractionary territory. The report was not devoid of good market news, as the Prices Index reflected a further easing of inflation pressures.
Today’s calendar sees some early labor market indicators ahead of tomorrow’s payrolls report. Markets have already received December job cuts from Challenger, Gray & Christmas (34,817 cuts in December, down 24 percent from the 45,510 cuts announced in November) as well as ADP employment for November (164k, higher than expected), and initial (202k, down from 218k) and continued (1.855 million) jobless claims. Later today brings the final December S&P Global services PMI, Treasury announcing the details of next week’s mini-Refunding (consisting of $52 billion 3-year notes, $37 billion reopened 10-year notes, and $21 billion 30-year bonds), and Freddie Mac’s Primary Mortgage Market Survey. We begin the day with Agency MBS prices worse .125-.250, the 10-year yielding 3.98 after closing yesterday at 3.91 percent, and the 2-year at 4.36 after a spate of employment data.
Employment
It’s a new year and Merchants Bank, is off and running, continuing to leverage its diversified business model to grow market share and assist Merchant’s lending partners. Merchants Bank’s Correspondent channel, offering Non-Delegated and Delegated options, recently hired Liberty Tribe as Sales Executive to help grow TX and the Mid South Region. Liberty along with Dan Hastings, CMB, AMP cover the Mid-South (TX, LA, AR, MO, OK, KS). In addition, Merchants is expanding its Financial Institutions channel by adding a Mini-Correspondent offering to their TPO Wholesale platform. If you are interested in learning more, contact Rob Wilson. On the Retail front, Merchants Bank continues to grow there as well and if you are looking for stability, support and products, they want to hear from you. Contact Ron Berry for more information. Their LO centric platform along with the strength and balance sheet of the bank allows them to expand market share in their regional markets.
Planet Home Lending’s new Vice President, Construction Sales Melony Harpe is paving the way for Planet MLOs to increase their construction loan volume in 2024. Interested in building your construction business? Join Planet and you’ll have support for calls with builders, resolving construction issues, and educating stakeholders. “I want MLOs and retail branches to feel confident and supported in their construction lending efforts,” Harpe said. “My role is to give MLOs the tools and resources needed to navigate the complexities of construction lending and expand their connections with builders.” To lay the foundation for a better 2024, contact VP of Talent Peter Briggs or 949-202-8213; all inquiries will be held in strict confidence.
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Negative marks can stay on your credit report for seven or even 10 years. But if you are having trouble managing your finances, don’t panic.
Many people hit a moment at some point when they miss a payment or pay bills late. Or perhaps they face mounting credit card debt or the prospect of foreclosure. If you are grappling with any of these situations, you may wonder how long your credit report will reflect these issues.
While seven years is a typical time period for events to stay on your report and potentially impact your credit score, the time period could be considerably shorter. And as time passes, the effect of these “bad marks” will typically diminish.
Read on to learn more about what can lower your credit score, how long it can take to bounce back, and ways to manage your money responsibly, which can help build your score.
Factors that Can Influence Your Credit Score & Report
A credit score gives a numerical value to a person’s credit history. It can help give lenders a big-picture look at a potential borrower’s creditworthiness. These scores (there isn’t just one) give lenders insight into how reliable a person might be when it comes to repaying their debt.
This can influence a lender’s decision on whether or not to loan a person money, how much money they are willing to lend, and the rates and terms for which a borrower qualifies.
Since credit scores are so widely used, it’s easy to see why some individuals may be interested in improving their credit scores. First, it might be helpful to understand the factors used to actually determine your score. Here’s a snapshot of what goes into a FICO® Score, since that is the credit score used by many lenders right now.
• Your payment history accounts for approximately 35% of your FICO Score, making it one of the most influential factors. Even just one missed or late payment could potentially lower a person’s credit score.
• Credit utilization ratio accounts for 30% of your score. Credit utilization ratio is your total revolving debt in comparison to your total available revolving credit limit. A low credit utilization ratio can indicate to lenders that you are effectively managing your credit. Typically, lenders like to see a credit utilization ratio that is less than 30%.
• The length of your credit history counts for 15%, and that may be a good reason not to close an account that you use infrequently. It might help add to the length of your history.
• Your credit mix accounts for 10% of your score. While not a good reason to go out and open a new line of credit, the bureaus do tend to prefer to see a mix of accounts vs. just one kind of credit.
• The last component, also at 10%, is new credit, meaning are you currently making a lot of requests for credit. The number of hard credit inquiries in your name could make it look as if you are at risk of financial instability and are seeking ways to pay for goods and services.
💡 Quick Tip: Some personal loan lenders can release your funds as quickly as the same day your loan is approved.
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Credit Issues: How Long Do They Linger?
Negative factors like late payments and foreclosures can hang around on your credit report for a while. Generally, the information is included for around seven years.
Bankruptcy is an exception to this seven year guideline—it can linger on your credit report for up to 10 years, depending on the type of bankruptcy filed. Bankruptcies filed under Chapter 7 can be reported for up to 10 years from the filing date. Bankruptcies filed under Chapter 13 can be reported for seven.
While a late payment will be listed on a credit report for seven years, as time passes it typically has less of an impact. So if you missed a payment last month, it will have more of an effect on your score than if you missed a payment four years ago.
These numbers are important to know when you are working to build your credit.
How Long Does It Take For Your Credit Score to Go Up?
Here’s a look, in chart form, at how long it takes for different negative factors to drop off your credit report.
Factor
Typical credit score recovery time
Bankruptcy
7-10 years
Late payment
Up to 7 years
Home foreclosure
Up to 7 years
Closing a credit card account
3 months or longer
Maxing out a credit card account
3 months or longer, depending on how quickly you repay your debt
Applying for a new credit card
3 months typically
Disputing an Error on Your Credit Report
Checking your credit report can help you stay on top of your credit. You’ll also be able to make sure the information is correct, and if needed, dispute any mistakes. There could, for instance, be a bill you paid long ago on your report as unpaid, or perhaps account details belonging to someone else with a similar name erroneously wound up on your report.
There are three major credit bureaus — Equifax®, Experian®, and TransUnion®. Once a year you can request a copy of your credit report from each of the three credit bureaus, at no cost. You can visit AnnualCreditReport.com to learn more. Checking in with each report may feel a little repetitive, but it’s possible that the credit bureaus could have slightly different information on file.
If you find that there are discrepancies or errors, you can dispute the mistake. You’ll have to write to each credit bureau individually. Generally, you’ll need to send in documentation to support your claim. Once you’ve submitted your dispute letter, the bureaus typically have 30 days to respond.
It’s possible that a bureau will require additional supporting documentation, which can lead to some back and forth within or sometimes after the 30 days. It could take anywhere from three to six months to resolve a credit dispute, though some of these situations will take more or less time depending on complexity.
Staying on Top of Efforts to Build Credit
Sometimes, resolving issues on a credit report isn’t enough to build a bad credit score. On the bright side, credit scores aren’t permanent. Here are a few ideas for helping you to build your credit.
Improve Account Management
If you’re struggling to keep up with accounts with a variety of financial institutions, it could be time to simplify. Take stock of your investments, debts, credit cards, and savings or checking accounts. Is there any opportunity to consolidate?
Having your accounts in one, easy-to-check location can make it simpler to ensure you never miss an alert or important deadline. Automating your finances and using your bank’s app to regularly check in with your accounts (say, a few times a week can be a good cadence) can make good money sense as well, helping you keep on top of payment deadlines and when your balance might be getting low. 💡 Quick Tip: Swap high-interest debt for a lower-interest loan, and save money on your monthly payments. Find out why credit card consolidation loans are so popular.
Make Payments On-Time
Did you know that your payment history (as in, do you pay on time) is the single largest factor in determining your credit score? Lenders can be hesitant to lend money to people with a history of late payments. So make sure you’re aware of each bill’s due date and make your payments on time. One idea? As mentioned above, you could set up autopay so you don’t even have to think about it.
Limit Credit Utilization Ratio
It could help to set a realistic budget that leads to a fair credit utilization ratio, meaning that your credit balances aren’t too high in relation to your credit limit. Some accounts will let you set up balance alerts that can warn you as you inch closer to the 30% guideline of the maximum you want to reach. Another option could be paying your credit card bill more frequently (for example, setting up a mid-cycle payment in addition to your regular payment).
Stratege to Destroy Debt
When it comes to paying off debt, having a plan can help. For example, using a credit card can be an effective way to build your credit history, but if not used responsibly, credit card debt can be incredibly difficult to pay off.
Not only that, it could end up impacting your credit score (say, if your credit utilization ratio creeps up above 30%, as noted above). As a part of your plan to build your credit after negative factors have occurred, you might consider putting a debt repayment plan into place.
Your finances and personal situation will be a major factor in the debt payoff plan that works best for you. If you need some inspiration, the methods below may be helpful to reference in your quest to pay off debt. If you decide that one of these options works for you, here’s how you might go about them.
The Snowball
The snowball method of paying off debt is pretty straightforward.
• To put it into action, you would organize your debts from smallest to largest, without factoring in the interest rates.
• Then you’d continue to make the minimum payments on all of your debts while paying as much as possible on your smallest debt.
• When the smallest debt is paid off, you’d then roll that money into debt payments for the next smallest debt — until all of your debt is repaid.
This strategy is all about changing behavior and building in incentives to help keep you going. Starting with the smallest debt means you’d see the reward of paying it off faster than if you had started with the larger debt. While this method can help keep you motivated and laser-focused on eliminating your debt, it isn’t always the most cost effective, since it doesn’t take into account interest rates.
The Avalanche
The debt avalanche method encourages you to focus on your highest-interest debts first.
• Prioritize debts with the highest interest rates by putting any extra cash towards them.
• Continue to make the minimum payments on all of your other debts.
This technique could help save money in interest in the long run. And it could even help you pay off your debts sooner than the snowball method.
The Fireball
The fireball method combines the snowball and avalanche methods in a hybrid approach designed to help you blaze through costly debt so you can focus on the things that matter most to you.
• The first step in this method is to go through all of your debts and categorize them as either “good” or “bad.”
• “Good” debts are those that tend to contribute to your financial growth and net worth; they also tend to have relatively lower interest rates. Good debt might be a student loan that helps you launch your career or a mortgage that allows you to own a home.
• Debts with high interest rates that don’t go towards building wealth (such as credit card debt) are often considered “bad.” With this method, you can list your “bad” debts from the smallest amount to the largest amount.
• Then you’d take a look at your budget and see how much money you have to funnel toward making extra debt payments. While making the minimum monthly payment on all outstanding debts, you’d direct the extra funds toward the bad debt with the smallest amount due.
• When that smallest balance is repaid in full, you’d apply the total amount you were paying on that debt to the next smallest debt. Then you’d continue this pattern, moving through each outstanding bad debt until they are all paid in full.
An important note: While you are moving through your higher-interest debts, you would still follow the normal payment schedule on your lower-interest debts.
By focusing on the debts with the highest interest rates first, this method could save you some change when compared with the snowball method. And, since you’re then targeting bad debt from the smallest balance to the largest, you could still benefit from the same psychological boost as you see your debt shrink, one payment at a time.
Create a Goals-Based Approach
Having financial goals could possibly help you streamline your efforts. If you’re actively working toward saving for, say, a down payment, you may feel less inclined to spend money elsewhere.
You could try setting short-term, mid-term, and long-term goals. In the short-term your goals might be as simple as tracking your spending and setting up a budget. Or perhaps saving for a big vacation that’s a year or so away. For mid-term goals, you might think about something a little further out, like buying a house or saving for a child’s education. Long-term goals are often things like (you guessed it) saving for retirement.
Writing down your goals and setting a time for when you’d like to reach them can help you set up your plan.
Consolidate Your Debt
If you are working on building your credit and want to pay down your credit card balances, one option could be a personal loan to consolidate that high-interest debt.
Think twice before turning to high-interest credit cards. Consider a SoFi personal loan instead. SoFi offers competitive fixed rates and same-day funding. Checking your rate takes just a minute.
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Whether you need to finish last-minute work tasks before a vacation or connect with loved ones after being away, you might be needing an in-flight Wi-Fi signal. However, if you’re flying Hawaiian Airlines to or from the Aloha State, you might be in for a surprise.
Here’s what you need to know about Hawaiian Airlines Wi-Fi and the airlines that offer coverage over the Pacific Ocean.
Does Hawaiian Airlines have Wi-Fi?
Unfortunately, Hawaiian Airlines planes aren’t equipped with Wi-Fi yet, and that includes transpacific and inter-island flights.
However, the carrier has struck a deal with Starlink to provide broadband wireless internet to flyers in the future.
Hawaiian Airlines is planning to equip its Airbus A330, Airbus A321 neo and Boeing 787-9 aircraft with complimentary high-speed Wi-Fi run on a satellite network. Hawaiian Airlines internet service will be available on flights between the islands as well as long-distance flights to the mainland U.S., Asia and Oceania.
“When we launch with Starlink we will have the best connectivity experience available in the air,” Hawaiian Airlines CEO Peter Ingram said in 2022. “We waited until technology caught up with our high standards for guest experience, but it will be worth the wait. Our guests can look forward to fast, seamless and free Wi-Fi to complement our award-winning onboard Hawaiian hospitality.”
At this point, it’s unclear exactly when Starlink internet will be available aboard Hawaiian Airlines planes, but it’s supposed to happen sometime this year. Having said that, in-flight entertainment is available for passengers to stream on their personal device through a self-contained in-flight network.
How to stream in-flight entertainment from a personal device
Even though there’s no Hawaiian Airlines Wi-Fi, you still can stream in-flight entertainment to your personal device in two ways: a mobile app or an internet browser. You can watch new and classic films as well as TV shows on your phone, tablet or laptop.
Hawaiian Airlines app
Download the Hawaiian Airlines app to your mobile phone or tablet.
Once aboard, switch your phone to airplane mode and connect to the “Movies on HawaiianAir” network.
Open the Hawaiian Airlines app, select “More” and then “In-flight entertainment.”
Internet browser
Connect to the “Movies on Hawaiian” network.
Open your internet browser and type “www.hawaiianairlineswifi.com.”
Choose an option and watch.
Which airlines provide Wi-Fi on flights to Hawaii?
The islands of Hawaii are located about 2,400 miles from the mainland U.S., so it’s no wonder that the signal over the Pacific Ocean isn’t that strong.
Below are some of the airlines that offer Wi-Fi on flights to Hawaii. Still, when in doubt about investing in a Wi-Fi pass, ask a flight attendant whether the internet signal is reliable.
American Airlines
American Airlines offers satellite-based Wi-Fi on most aircraft in its fleet, meaning you might have luck getting coverage on your flight to the Aloha State. An in-flight Wi-Fi pass starts at $10 and goes up from there.
To check whether your specific flight offers Wi-Fi, you can check its status by entering the flight number and date of travel on this page.
Delta Air Lines
Delta Air Lines and T-Mobile have been rolling out free in-flight Wi-Fi to SkyMiles members, which is available on about 600 domestic aircraft as of last July.
Full availability on the global fleet is expected by the end of 2024. A pass costs $5 to $19 on aircraft that aren’t yet equipped with free Wi-Fi.
United Airlines
United Airlines has four in-flight internet providers: Gogo, Panasonic, Thales and Viasat. Aircraft equipped with Panasonic Wi-Fi provides the most coverage, which includes areas over the Pacific Ocean.
The following aircraft are equipped with Panasonic Wi-Fi:
United Aircraft with Panasonic Wi-Fi
Select Airbus 319.
Airbus 320.
Select Boeing 757-200.
Select Boeing 757-300.
Boeing 767-300ER.
Boeing 767-400ER.
Boeing 777-200.
Boeing 777-200ER.
Boeing 777-300ER.
Boeing 787-8
Boeing 787-9.
Boeing 787-10.
United Wi-Fi on domestic flights costs $8 or 800 miles for MileagePlus members and $10 for passengers who aren’t enrolled in its frequent flyer program.
Hawaiian Airlines Wi-Fi recapped
Although Hawaiian Airlines will be launching Starlink wireless service on its aircraft, it’s not available to passengers at the moment.
The only option you have for now is to connect to an in-flight entertainment network and stream content from your personal device. If you want to watch something else, we recommend downloading episodes of your favorite show to watch on the plane.
(Top photo courtesy of Hawaiian Airlines)
How to maximize your rewards
You want a travel credit card that prioritizes what’s important to you. Here are our picks for the best travel credit cards of 2024, including those best for:
Looking for the best selling apps so that you can sell stuff? Whether you have old things around your home that you want to sell or if you want to start a reselling business, there are many apps that make it easy to sell stuff right from your phone. There are apps and sites where…
Looking for the best selling apps so that you can sell stuff?
Whether you have old things around your home that you want to sell or if you want to start a reselling business, there are many apps that make it easy to sell stuff right from your phone.
There are apps and sites where you can sell all sorts of things, too, such as clothing, furniture, electronics, collectibles, and more.
I have personally sold many items over the years on many different sites to make extra income. I even had a small reselling business at one point. So, I know how helpful these sites and apps really are!
Key Takeaways
Selling apps make it easy to find buyers for your items.
Some of my favorite selling apps are Poshmark for clothing, Worthy for jewelry, and Decluttr for electronics.
Some pay via PayPal, direct deposit, store credit, etc., so make sure you think about your options before choosing a selling site.
Also, selling apps can charge various fees. You will want to look at what they charge for a listing fee, selling fee, payment processing fee, and so on. Some are free, though, like selling to local buyers on Facebook and Craigslist!
What are selling apps?
Selling apps are sites on your phone or computer that let you sell things like clothes, toys, or even your car. You take a picture, write a little bit about it, and then other people can see it and buy it from you. Some apps help you sell to people all over the world, while others let you sell locally to people who live nearby.
The apps below can be found on iOS, Android, desktop computers, or laptops.
10
This free workshop will teach you how to get into the flipping business. It will teach you how to resell furniture, electronics, appliances, and anything else you can find.
Best Selling Apps For Sellers
Below are the best selling apps.
Decluttr
If you want to sell your electronics items like phones or games, Decluttr is one of the best selling apps.
Selling with Decluttr is simple. You can scan barcodes of items like games, DVDs, and books with your phone, and after you scan your items, Decluttr will give you a price for them right away.
When you decide to sell, you send your items to Decluttr for free. They even pay for the shipping and give you a free shipping label. Once they get your stuff, they’ll inspect them and if everything looks good, you then get paid.
People like using Decluttr because it’s easy and the website is easy to understand. They have a high rating from customers on Trustpilot, which means most people have a good experience.
I have personally sold a phone on Decluttr, and I have a family member who has both bought a refurbished phone on this site as well as sold an old one. It’s very easy to use and I highly recommend Decluttr.
Here’s what you can sell on Decluttr:
Phones
Electronics
Books
Games
DVDs
CDs
Apple Watch
MacBook
Speakers
Tablets
When selling, you always get to see the price Decluttr offers before you agree to sell. If you change your mind or if Decluttr says your items aren’t quite right, they’ll send them back to you without charging you anything.
eBay
eBay is an online marketplace where you can sell all different kinds of items to buyers from around the world.
Plus, you can use either your computer or your phone to sell your items.
I have sold many, many items on eBay in the past, and I think it’s a great selling site if you are looking to reach a lot of people at once. I have mainly sold clothes on eBay, but I have family members who have sold lots of different things, even cars!
If you prefer selling directly from your phone, eBay’s app is handy. You can list items by going to the Selling page and choosing “List an item.”
EBay charges two types of fees – when you create a listing as well as a fee when your item sells. This depends on the item’s price, any listing upgrades you add, and more.
Usually, eBay gives you a number of free listings every month, which means you won’t pay to list your items. This amount can be up to 250 for regular sellers or more for eBay store owners. After the free listings, there will be a fee, so keep an eye on how many listings you’re creating. You do still have to pay a fee after the item sells, which is calculated as a percentage of the total amount of the sale, plus $0.30 per order.
Facebook Marketplace
When you’re looking to clear out your space, Facebook Marketplace is the best app to sell stuff locally. This is like a large online yard sale but from the comfort of your home and phone. You can sell almost anything here, from the couch you’re replacing to the bicycle you no longer ride.
People sell things on Facebook Marketplace all the time because it is so easy! All you need is the Facebook account that you most likely already have in order to post an ad.
To sell an item, take clear photos and write a simple description. People sell toys, furniture, electronics, household goods, and more on Facebook Marketplace.
Plus, you have the option to buy and sell locally, which means no shipping hassles, or you can reach out more broadly if you’re willing to ship items. I think that most people are selling locally, though.
OfferUp
If you have items you no longer need, like toys your kids outgrew or a bike you’ve replaced, then OfferUp is a mobile marketplace where you can sell these items quickly. It’s like having a yard sale but on your phone. You just take a photo of your item, set a price, and post it. People in your community can see what you’re selling and message you if they’re interested.
Selling collectibles can be successful on OfferUp too. If you have old video game cards or stamps, you might find collectors on the app who are looking to buy them. Just remember to price your items fairly and describe them well so buyers know what they’re getting.
Unlike some other selling platforms, OfferUp is focused on local sales. This means you often meet in person to exchange the item and payment. This local approach can make transactions fast, as you don’t have to wait for shipping.
Tip: You should always be safe when meeting. Always meet in public spaces and verify the item before paying.
Poshmark
Poshmark is one of the best reselling apps for clothes and accessories.
I love Poshmark because I can find all sorts of clothing, from adult to baby, all on this site. I can search for the exact clothing brand I am looking for and often find great deals. It’s also an easy way to list items that you want to sell, and people sell all the time on Poshmark.
You can get started selling on Poshmark by creating an account, which includes adding a profile picture and writing a biography about yourself to help potential buyers get to know you better.
Then, you will list your items for sale, which includes taking photos of what you’re selling, writing a clear title and description for each item (such as the size and brand), and setting a price.
When you sell something, Poshmark helps with shipping by giving you a shipping label, and you mail the item to the buyer.
When the buyer gets your item and everything’s good, you get paid. Poshmark takes care of payments to keep it safe for everyone.
Nextdoor
Nextdoor is your go-to app for connecting with your neighbors and tapping into your local community. Think of it like a virtual gathering place where you and others in your area can meet up online.
Nextdoor is convenient because there’s no shipping – you just meet up and make the exchange.
It uses no fees to list your items, which means more money in your pocket. Instead, Nextdoor makes money in other ways (such as advertisements) so that you don’t have to pay listing or transaction fees.
So, when you have a couch to sell or want to buy a lawn mower nearby, Nextdoor might just be the app for you.
Craigslist
Craigslist is a very popular site for buying and selling items locally.
I have bought and sold many things on Craigslist in the past, such as car tires, a white water raft, clothes, and more. As you can see, that is a wide variety of items – so I’m sure you can find something that you can sell on Craigslist as well.
Plus, there are no fees to list your items on Craigslist. And, there are no selling fees either.
It is completely free to use.
To sell your items, you need to create a post, add a description and photos, and set a price.
There are a lot of scams on Craigslist, unfortunately, so you will want to stay safe. Be careful with anyone who wants to pay via check, and always stay safe. I recommend meeting buyers in public places and think about bringing a friend along. I like to pick public places like Walmart, and I know many people who like to use police department parking lots.
thredUP
ThredUP is an online consignment and thrift store where you can sell your clothes. If you have gently used women’s or kids’ clothes, thredUP lets you clean out your closet and earn money.
You can get started by simply filling a bag with the clothing items you want to sell. Then, you’ll mail your clothes with a prepaid shipping label from thredUP, and you can drop off your package at FedEx or USPS.
When your clothes sell, you have two choices. You can either cash out or get credit to shop on thredUP.
Remember, you won’t earn money for every item you send because not everything may meet thredUP’s criteria (such as if something is stained or damaged). But it’s a straightforward way to declutter and earn some cash or credit.
Etsy
Etsy is a great place to sell items that are vintage, fun, crafty, or collectible.
You can sell items like paintings, clothing, furniture, jewelry, printables, stickers, mugs, home decor, handmade items, vintage items, and so much more.
I shop on Etsy all the time, and I love how I can find interesting items that I can’t find anywhere else, such as custom artwork or vintage furniture pieces that someone found. I shop on Etsy all the time (several times a year) for both myself as well as to find gifts to give to others.
Now, Etsy is a little different from the other selling apps on this list. This is because you would not only be creating a listing but also a whole storefront.
So, if you want to start a part-time or even a full-time selling business, then this may be more for you. But, if you’re looking to sell just one or two items, then starting a whole Etsy shop may be a little too much work (depending on what you’re selling).
Worthy
When you have jewelry like diamond rings, luxury watches, or gold necklaces that you don’t want anymore, you can sell them on Worthy.com.
At Worthy, they will check your jewelry to see how much it’s worth. Then, they will sell it for you in an auction. This means that lots of people can offer money for your piece until someone gives the best price.
Steps to sell your jewelry with Worthy:
Send your jewelry to Worthy.
Worthy checks your jewelry and helps you know how much it’s worth. If you don’t like the price, you can decide not to sell it and get your jewelry back.
Your jewelry is put up for auction.
You get money when someone buys it.
The good thing is that Worthy takes care of getting your jewelry to the buyers safely. They pay for the shipping insurance, so you don’t have to worry if something happens on the way.
Mercari
You might want to sell things you don’t need anymore like a pair of shoes you outgrew or a video game you’ve finished playing. Mercari is an app that lets you sell these items right from your phone.
You can list almost anything on Mercari as long as it can be shipped. This includes phones, gaming consoles like Xbox and PS5, clothes, shoes, and even collectibles like Squishmallows.
It’s free to list your stuff on Mercari. Instead, they earn money from fees after your item sells.
First, you take a few pictures of what you’re selling. Then, you write down details about it – like what it is, what condition it’s in, and how much you want for it.
When someone buys your item, Mercari helps with shipping. They get you a prepaid label, and you just have to package your item and send it off.
Amazon
We’ve all heard of Amazon and I’m sure most of us use this site.
I buy things on Amazon all the time, and I have a few friends who sell on Amazon as well.
Amazon FBA, which stands for Fulfillment by Amazon, means that sellers keep their items in Amazon’s storage places. Amazon takes care of sending products to customers, dealing with returns, and managing customer service for the seller. With FBA, you can sell different things without the need to store them yourself or manage shipping details.
Your business would involve finding items to sell. Even if you haven’t sold anything on Amazon before, you can make money by selling everyday things like household items, toys, books, electronics, and more.
If you want to learn more about starting an Amazon business, I recommend signing up for this free training that will teach you how to sell products on Amazon and make $100 to $500 per day.
Recommended reading: How To Work From Home Selling On Amazon FBA
Chairish
Chairish is a site where you can sell furniture.
With Chairish, your items are put in front of people who appreciate one-of-a-kind pieces. You can find buyers for antique and vintage furniture, art, and decor.
On Chairish, the process is smooth. You write about your item, set a price, and Chairish handles the rest from marketing to shipping.
Kidizen
Kidizen is a used kids’ clothing site where you can sell your kids’ outgrown clothes, shoes, toys, and more. They even accept clothing for moms and maternity wear.
There are two ways to sell on Kidizen. One is to create listings yourself and sell your used items on Kidizen directly. The other option is to have Kidizen sell the items for you, where they create the listings and do all the work.
Cash4YourBooks
Cash4YourBooks is a site where you can sell your books. They buy book collections of 500 books or more (such as from estates, personal collections, libraries, and more).
If Cash4YourBooks decides to buy your collection, they’ll pick it up; you don’t need to worry about shipping or anything like that.
Gameflip
Gameflip is a site where you can sell gaming stuff, like video games and things you use inside games.
You can sell both real and online games on Gameflip. You get to decide how much they cost, and you can chat with potential buyers. This makes it simple for you to sell your video games and other things.
Frequently Asked Questions About The Best Selling Apps
When you want to sell items online, finding the right app can save you time and make you money. Here are answers to the most common questions about selling apps.
What apps help you sell stuff quickly?
If you’re looking to sell your unwanted items fast, apps like eBay and OfferUp are great because they have a lot of people who are looking for things to buy.
What selling apps pay you instantly?
Apps like Decluttr can pay you instantly once your items are accepted. This means you get paid quickly, usually after they check your stuff and make sure the quality is what you said it was.
What are the top apps for selling things in my local area?
Nextdoor and OfferUp are easy for local sales, and they allow you to connect with nearby buyers in local neighborhoods, which can make the process faster and skip any shipping. If you have a lot of things that you want to sell but want to keep it local, then you could even post an ad on the Craigslist app announcing a yard or garage sale.
What selling app takes the least amount of money?
If you don’t want to spend any money to sell your items, then Facebook and Craigslist are two great places to start. I have gotten rid of items on both, and they are very easy to use.
What App Is Best To Sell Things? – Summary
I hope you enjoyed this article on the best selling apps.
When you use selling apps, you save time because you don’t have to have a yard sale. It’s also safe because you don’t have to meet strangers in person if you don’t want to. These apps can be free or low-cost, which means more money in your pocket.
Some apps are great for local sales, allowing you to connect with buyers in your neighborhood. These can be super helpful for large items that are difficult to ship. Other apps specialize in specific categories, like fashion or handmade goods.
Whatever you are looking to sell, I hope you see lots of success! I have sold many items over the years, both online and offline, and I think it’s a great way to make money.
The first two days of the new year were shaping up to paint an unpleasant picture for the bond market in which the strong rally in Nov/Dec faced the prospect of technical correction. That risk remained through the first few hours this morning, but things began to change after the JOLTS data (not at first, but eventually!). As losses turned to gains in the afternoon we had fresh proof of concept for the prevailing “data dependent” narrative for rates. JOLTS wasn’t even bad, per se, it was merely the first time we’ve seen consecutive months under 9m since job openings were still on the way up in 2021. At the risk of reiterating the obvious, Friday’s jobs report will tell us even more about data dependency. On a side note, Fed Minutes helped–primarily due to the nod to an eventual winding down of quantitative tightening (something that came through better in today’s minutes than in the press conference 3 weeks ago).
Job Openings (JOLTS)
8.79m vs 8.85m f’cast, 8.852m prev
ISM Manufacturing
47.4 vs 47.1 f’cast, 46.7 prev
09:42 AM
More overnight weakness. 10yr up 5.2bps at 3.993. MBS down a quarter point.
10:19 AM
brief recovery after 10am data, but now back to weaker levels. 10s up 4.7bps at 3.988 and MBS down 3/8ths.
01:52 PM
Nice mid-day rally. 10s down 2.3bps to 3.918. MBS now unchanged on the day.
02:27 PM
Gains maintained after Fed Minutes. 10yr down 3.2bps at 3.909. MBS up 1 tick (0.03).
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