By Kevin Fagan Updated 5:09 pm PST, Monday, December 24, 2018 Season of Sharing fund recipients Josefina Calderon and her husband, Jose Rios-Estrada, at home in Napa, say life is good even after multiple sclerosis took its toll and forced Rios to give up his cabinetmaking career. less Season of Sharing fund recipients Josefina Calderon and her husband, Jose Rios-Estrada, at home in Napa, say life is good even after multiple sclerosis took its toll and forced Rios to give up his cabinetmaking ... more Photo: Michael Short / Special To The Chronicle Buy photo Photo: Michael Short / Special To The Chronicle Image 1 of / 17 Caption Close Image 1 of 17 Season of Sharing fund recipients Josefina Calderon and her husband, Jose Rios-Estrada, at home in Napa, say life is good even … [Read more...] about Multiple sclerosis changed their lives. But this couple only sees the blessings
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NEW YORK — At some point, you'll buy your last car and refinance your last mortgage. Surely, you're thinking, now I can stop worrying about my credit score. Well, not really, although there are situations when credit scores shouldn't be anyone's main concern.Let's start with some reasons why credit scores still matter, even when you don't plan to borrow money.Lenders aren't the only ones checking your credit. Most insurers use credit-based insurance scores, which use information from credit reports, to help set premiums for auto, homeowner and renter policies. A drop from excellent to poor credit can more than triple a homeowner's premiums in some states. Credit can have a bigger impact on auto insurance premiums than any other factor, including your driving record, according to an investigation by Consumer Reports.That's not all. Cellphone companies often reserve their best deals for people with the best credit. And many employers check credit … [Read more...] about Do we ever get old enough to stop worrying about our credit scores?
Although credit card interest rates are rising, not all the news about plastic is bad. That's because some credit card fees are disappearing -- particularly foreign transaction fees. In 2015, 77 out of 100 cards charged these fees, 3 percent to 5 percent nicks that hit your account each time you use a card to buy something outside of the U.S. But just 52 cards still charge these fees today, said Ted Rossman, analyst with CreditCards.com, which conducts annual credit card fee research. "Credit card companies are competing for affluent travelers," said Rossman. "Not only are issuers eliminating these fees, more of the new cards coming out don't have them." However, credit card interest rates have risen sharply over the past year, jumping to 17.01 percent on average from 16.15 percent a year ago and from 15.2 percent in 2016. Still, consumers who play their cards right don't need to pay a cent to use plastic in this environment, Rossman said. Interest is assessed only on … [Read more...] about Credit cards are hiking rates, but cutting fees
Zoë Bernard, provided by Published 10:24 am PDT, Sunday, September 16, 2018 FILE- In this Aug. 3, 2017, file photo, workers prepare to move products at an Amazon fulfillment center in Baltimore. Amazon is paying workers to defend the company on Twitter, reassuring critics that they make enough money to live and are allowed to take bathroom breaks. The tweets are part of Amazon’s plan to combat negative headlines and online chatter about poor working conditions at its warehouses. (AP Photo/Patrick Semansky, File) less FILE- In this Aug. 3, 2017, file photo, workers prepare to move products at an Amazon fulfillment center in Baltimore. Amazon is paying workers to defend the company on Twitter, reassuring critics that they ... more Photo: Patrick Semansky, Associated Press The label machine slaps a shipping label on an order at the Amazon Fullfillment Center in Schertz, TX. Thursday, April 16, … [Read more...] about Some Amazon employees are reportedly accepting cash bribes from online sellers to delete negative product reviews (AMZN)
Your Money Adviser Ann Carrns, New York Times 1:44 pm PDT, Friday, September 14, 2018 Now Playing: One year ago, Equifax announced a stunning data breach affecting 147 million people. Since then, the vast majority of Americans have taken some sort of action, and according to CompareCards. A new survey shows that 9 out of 10 people said they've don Media: Fox5 Consumers will soon be able to freeze their credit files without charge. So if you have not yet frozen your files — a recommended step to foil identity theft — now is a good time to take action, consumer advocates say. Security freezes, often called credit freezes, are “absolutely” the best way to prevent criminals from using your personal information to open new accounts in your name, said Paul Stephens, director of policy and advocacy with Privacy Rights Clearinghouse, a consumer advocacy nonprofit group. Free freezes, which will be available Sept. 21, were required as part of … [Read more...] about Freezing Credit Will Now Be Free. Here’s Why You Should Go for It.