All five of the U.S. metro areas where pending sales are falling fastest are located in the Sunshine State. Find out why buyers are getting cold feet.
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Home sales are falling in Florida. In fact, all five of the U.S. metro areas where pending sales are sliding fastest are located in the Sunshine State, according to real estate brokerage firm Redfin. The good news for Florida home sellers is that the rate of declines has recently started to subside a bit. Still, the decline has been significant. Here is the rate of year-over-year decline in…
These scams are draining the bank accounts of older Americans.
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Fraudsters have a long history of targeting older folks, but the problem appears to be getting worse. The number of adults age 60 and older who reported losing six figures or more to fraud has tripled in a span of just three years, according to a recent Federal Trade Commission report to Congress. In 2023 alone, older adults lost more than $1.9 billion to fraud. However, the FTC says that the…
Just how acceptable is it do Christmas shopping at thrift stores?
SpeedKingz / Shutterstock.com
Your first impression of a thrift store may go a little like this: a store full of used goods that nobody wants sprinkled with the occasional treasure. And while there is certainly that element in any thrift store, the reality is that these establishments have much to offer us. They’re good for the environment (sustainable), good for the wallet (usually budget-friendly) and good for the brain…
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When the Federal Reserve made its first interest rate cut in September 2024, it didn’t come as a surprise. The central bank was expected to cut rates in response to slowing inflation.Alert: highest cash back card we’ve seen now has 0% intro APR into 2026
This credit card is not just good – it’s so exceptional that our experts use it personally. It features a 0% intro APR for 15 months, a cash back rate of up to 5%, and all somehow for no annual fee!
Click here to read our full review for free and apply in just 2 minutes. The Fed then followed up its September rate cut with another one in November. And in the course of the next year, we could see a string of interest rate cuts if inflation keeps trending in the right direction.Interest rate cuts are good for borrowers because they commonly lead to lower loan rates. It’s not that the Fed sets loan rates itself. Rather, when the Fed’s benchmark interest rate falls, consumer rates tend to follow suit. So come next year, you may find that it’s cheaper to sign a mortgage, finance a car purchase, or take out a personal loan.But while falling interest rates might help make your next loan cheaper, that’s not the only factor that will determine how much you pay to borrow. There’s an equally important factor that could lead to huge savings if you play your cards right.Focus on your credit scoreYour credit score is a measure of how trustworthy you are as a borrower. A higher score tells lenders you have a history of paying bills on time, while a lower score might lead a lender to believe you may not end up repaying your loan on schedule. Because of this, a higher credit score will generally lead to a more favorable interest rate on a loan, while a lower score will lead to a higher rate to offset a lender’s risk.It pays to do what you can to boost your credit score if you’re thinking about signing a loan in the near future. And there are several ways you can go about that.First, pay all bills on time. Your payment history carries more weight than any other factor in calculating your credit score.Next, work on reducing balances on your credit cards. The less of a total balance you have relative to your credit limit across your various cards, the more it can help your score.If you’re juggling multiple balances, one thing that might help is to consolidate them onto a single credit card with a balance transfer. Many balance transfers also give you a 0% introductory interest rate, which can be helpful in getting ahead of your debt because you can focus on paying down your principal. Click here for a list of the best balance transfer credit cards.Finally, review your credit report for errors. Specifically, pull a free copy of your credit report from each reporting bureau, since they may not all have the same information. The three bureaus to check are Experian, Equifax, and TransUnion. You can get a copy of your report from each bureau for free once weekly on annualcreditreport.com.Shop around for the best interest rateAny time you’re signing a loan, it’s important to shop around for a great rate. You should do that whether you’re seeking a mortgage, auto loan, or some other loan.But know that the best way to take advantage of falling interest rates is to go in with the strongest credit score possible. If you’re able to boost your score, it could lead to a world of savings the next time you borrow money.Alert: highest cash back card we’ve seen now has 0% intro APR into 2026
This credit card is not just good – it’s so exceptional that our experts use it personally. It features a 0% intro APR for 15 months, a cash back rate of up to 5%, and all somehow for no annual fee!
Click here to read our full review for free and apply in just 2 minutes. We’re firm believers in the Golden Rule, which is why editorial opinions are ours alone and have not been previously reviewed, approved, or endorsed by included advertisers.
Motley Fool Money does not cover all offers on the market. Editorial content from Motley Fool Money is separate from The Motley Fool editorial content and is created by a different analyst team.The Motley Fool has a disclosure policy.”}]] [[{“value”:”
Image source: Getty Images
When the Federal Reserve made its first interest rate cut in September 2024, it didn’t come as a surprise. The central bank was expected to cut rates in response to slowing inflation.
Alert: highest cash back card we’ve seen now has 0% intro APR into 2026
This credit card is not just good – it’s so exceptional that our experts use it personally. It features a 0% intro APR for 15 months, a cash back rate of up to 5%, and all somehow for no annual fee!
The Fed then followed up its September rate cut with another one in November. And in the course of the next year, we could see a string of interest rate cuts if inflation keeps trending in the right direction.
Interest rate cuts are good for borrowers because they commonly lead to lower loan rates. It’s not that the Fed sets loan rates itself. Rather, when the Fed’s benchmark interest rate falls, consumer rates tend to follow suit. So come next year, you may find that it’s cheaper to sign a mortgage, finance a car purchase, or take out a personal loan.
But while falling interest rates might help make your next loan cheaper, that’s not the only factor that will determine how much you pay to borrow. There’s an equally important factor that could lead to huge savings if you play your cards right.
Focus on your credit score
Your credit score is a measure of how trustworthy you are as a borrower. A higher score tells lenders you have a history of paying bills on time, while a lower score might lead a lender to believe you may not end up repaying your loan on schedule. Because of this, a higher credit score will generally lead to a more favorable interest rate on a loan, while a lower score will lead to a higher rate to offset a lender’s risk.
It pays to do what you can to boost your credit score if you’re thinking about signing a loan in the near future. And there are several ways you can go about that.
First, pay all bills on time. Your payment history carries more weight than any other factor in calculating your credit score.
Next, work on reducing balances on your credit cards. The less of a total balance you have relative to your credit limit across your various cards, the more it can help your score.
If you’re juggling multiple balances, one thing that might help is to consolidate them onto a single credit card with a balance transfer. Many balance transfers also give you a 0% introductory interest rate, which can be helpful in getting ahead of your debt because you can focus on paying down your principal. Click here for a list of the best balance transfer credit cards.
Finally, review your credit report for errors. Specifically, pull a free copy of your credit report from each reporting bureau, since they may not all have the same information. The three bureaus to check are Experian, Equifax, and TransUnion. You can get a copy of your report from each bureau for free once weekly on annualcreditreport.com.
Shop around for the best interest rate
Any time you’re signing a loan, it’s important to shop around for a great rate. You should do that whether you’re seeking a mortgage, auto loan, or some other loan.
But know that the best way to take advantage of falling interest rates is to go in with the strongest credit score possible. If you’re able to boost your score, it could lead to a world of savings the next time you borrow money.
Alert: highest cash back card we’ve seen now has 0% intro APR into 2026
This credit card is not just good – it’s so exceptional that our experts use it personally. It features a 0% intro APR for 15 months, a cash back rate of up to 5%, and all somehow for no annual fee!
We’re firm believers in the Golden Rule, which is why editorial opinions are ours alone and have not been previously reviewed, approved, or endorsed by included advertisers.
Motley Fool Money does not cover all offers on the market. Editorial content from Motley Fool Money is separate from The Motley Fool editorial content and is created by a different analyst team.The Motley Fool has a disclosure policy.
The vibrant neighborhoods of Panama City are calling your name.
jose_leonardo7 / Shutterstock.com
Next week, I travel to Panama City, Panama. I’m excited to revisit Panama City — a place I called home for a number of years. Panama City is special. It’s tropical yet urban, a hub of trade and industry, and the only true cosmopolitan environment in Central America. It’s constantly evolving — constructing, rebuilding, expanding — as it strives for growth. Scouting new markets for lifestyle and…
[[{“value”:”Image source: Getty Images
Costco: the land of bulk bargains and the occasional impulse buy that leaves you questioning your life choices. Need a 10-pound tub of peanut butter? Costco has you covered. A 64-pack of toothbrushes? Sure, why not? But as for my top strategy for saving money at Costco, I’d avoid certain high-ticket items, like the Peloton Bike+. Here’s why.Top credit card to use at Costco (and everywhere else!)
We love versatile credit cards that offer huge rewards everywhere, including Costco! This card is a standout among America’s favorite credit cards because it offers perhaps the easiest $200 cash bonus you could ever earn and an unlimited 2% cash rewards on purchases, even when you shop at Costco. Add on the competitive 0% interest period and it’s no wonder we awarded this card Best No Annual Fee Credit Card.
Click here to read our full review for free and apply before the $200 welcome bonus offer ends!Buying through Costco vs. directAt first glance, snagging the Peloton Bike+ at Costco for $2,199 seems like a steal. This package includes a 23.8″ Full HD rotating touchscreen, auto resistance, a compact 4′ x 2′ footprint, and a 48-month protection plan. Sounds like a dream deal, right? But hold on to your handlebars — there’s more to this story.If you head straight to Peloton’s website, you’ll find the Bike+ Starter Package priced at $1,995. Not only is this $204 less than Costco’s offering, but it also comes with a bundle of goodies to enhance your cycling experience:Cycling shoes: These shoes are designed to provide support and come with Delta-compatible cleats required by the Bike & Bike+ pedals. If you fall between sizes or have a wider foot, Peloton recommends sizing up.Bike mat: A protective and durable mat that fits under your Bike to improve stability, reduce noise, and protect your floors from the inevitable sweat puddles.Light weights (one set): These non-slip, cast-iron weights, ranging from 1lb to 3lbs pounds, are perfect for toning during cycling, barre, and cardio classes.Peloton x Camelbak water bottle: Stay hydrated with this easy-squeeze, non-drip design bottle. It’s BPA free and features TruTaste™ technology to ensure your water tastes like water.Let’s do some quick math. By purchasing directly from Peloton, you save $204 upfront. Plus, you receive accessories that would cost you extra if bought separately. Cycling shoes alone can set you back around $125, and a quality bike mat can cost $60 or more, not to mention the weights and water bottle, which add additional value.Consider the warrantyCostco’s package includes a 48-month protection plan, which is impressive. However, Peloton offers its own extended warranty options. You can purchase a 48-month extended warranty for $249, bringing your total coverage to 60 months when combined with the standard 12-month warranty.Even with this addition, your total cost is $2,244 — just $45 more than Costco’s price, but with all the extra accessories included.You still need a membershipRegardless of where you purchase, the Peloton All-Access Membership is sold separately at $44 per month. This membership grants you access to live and on-demand classes, performance tracking, and the ability to create profiles for everyone in your household.While Costco is a haven for bulk bargains, if you want a Peloton Bike+, buying directly from Peloton offers more bang for your buck. You get a lower price, essential accessories, professional assembly, and flexible warranty options.So, before you toss that Peloton box onto your Costco cart, consider whether the convenience and added value of purchasing directly from Peloton might be the better ride for you.The best credit cards for Costco (and everything else!)If you’re after a card that delivers big rewards wherever you shop, including Costco, click here for a list of the top picks for all your Costco spending. There are some top picks offering welcome bonuses and excellent cash back bonus categories to maximize your dollars spent.Top credit card to use at Costco (and everywhere else!)
We love versatile credit cards that offer huge rewards everywhere, including Costco! This card is a standout among America’s favorite credit cards because it offers perhaps the easiest $200 cash bonus you could ever earn and an unlimited 2% cash rewards on purchases, even when you shop at Costco. Add on the competitive 0% interest period and it’s no wonder we awarded this card Best No Annual Fee Credit Card.
Click here to read our full review for free and apply before the $200 welcome bonus offer ends!We’re firm believers in the Golden Rule, which is why editorial opinions are ours alone and have not been previously reviewed, approved, or endorsed by included advertisers.
Motley Fool Money does not cover all offers on the market. Editorial content from Motley Fool Money is separate from The Motley Fool editorial content and is created by a different analyst team.The Motley Fool has positions in and recommends Costco Wholesale. The Motley Fool has a disclosure policy.”}]] [[{“value”:”
Image source: Getty Images
Costco: the land of bulk bargains and the occasional impulse buy that leaves you questioning your life choices. Need a 10-pound tub of peanut butter? Costco has you covered. A 64-pack of toothbrushes? Sure, why not? But as for my top strategy for saving money at Costco, I’d avoid certain high-ticket items, like the Peloton Bike+. Here’s why.
Top credit card to use at Costco (and everywhere else!)
We love versatile credit cards that offer huge rewards everywhere, including Costco! This card is a standout among America’s favorite credit cards because it offers perhaps the easiest $200 cash bonus you could ever earn and an unlimited 2% cash rewards on purchases, even when you shop at Costco.
Add on the competitive 0% interest period and it’s no wonder we awarded this card Best No Annual Fee Credit Card.
At first glance, snagging the Peloton Bike+ at Costco for $2,199 seems like a steal. This package includes a 23.8″ Full HD rotating touchscreen, auto resistance, a compact 4′ x 2′ footprint, and a 48-month protection plan. Sounds like a dream deal, right? But hold on to your handlebars — there’s more to this story.
If you head straight to Peloton’s website, you’ll find the Bike+ Starter Package priced at $1,995. Not only is this $204 less than Costco’s offering, but it also comes with a bundle of goodies to enhance your cycling experience:
Cycling shoes: These shoes are designed to provide support and come with Delta-compatible cleats required by the Bike & Bike+ pedals. If you fall between sizes or have a wider foot, Peloton recommends sizing up.
Bike mat: A protective and durable mat that fits under your Bike to improve stability, reduce noise, and protect your floors from the inevitable sweat puddles.
Light weights (one set): These non-slip, cast-iron weights, ranging from 1lb to 3lbs pounds, are perfect for toning during cycling, barre, and cardio classes.
Peloton x Camelbak water bottle: Stay hydrated with this easy-squeeze, non-drip design bottle. It’s BPA free and features TruTaste™ technology to ensure your water tastes like water.
Let’s do some quick math. By purchasing directly from Peloton, you save $204 upfront. Plus, you receive accessories that would cost you extra if bought separately. Cycling shoes alone can set you back around $125, and a quality bike mat can cost $60 or more, not to mention the weights and water bottle, which add additional value.
Consider the warranty
Costco’s package includes a 48-month protection plan, which is impressive. However, Peloton offers its own extended warranty options. You can purchase a 48-month extended warranty for $249, bringing your total coverage to 60 months when combined with the standard 12-month warranty.
Even with this addition, your total cost is $2,244 — just $45 more than Costco’s price, but with all the extra accessories included.
You still need a membership
Regardless of where you purchase, the Peloton All-Access Membership is sold separately at $44 per month. This membership grants you access to live and on-demand classes, performance tracking, and the ability to create profiles for everyone in your household.
While Costco is a haven for bulk bargains, if you want a Peloton Bike+, buying directly from Peloton offers more bang for your buck. You get a lower price, essential accessories, professional assembly, and flexible warranty options.
So, before you toss that Peloton box onto your Costco cart, consider whether the convenience and added value of purchasing directly from Peloton might be the better ride for you.
The best credit cards for Costco (and everything else!)
If you’re after a card that delivers big rewards wherever you shop, including Costco,click here for a list of the top picks for all your Costco spending. There are some top picks offering welcome bonuses and excellent cash back bonus categories to maximize your dollars spent.
Top credit card to use at Costco (and everywhere else!)
We love versatile credit cards that offer huge rewards everywhere, including Costco! This card is a standout among America’s favorite credit cards because it offers perhaps the easiest $200 cash bonus you could ever earn and an unlimited 2% cash rewards on purchases, even when you shop at Costco.
Add on the competitive 0% interest period and it’s no wonder we awarded this card Best No Annual Fee Credit Card.
We’re firm believers in the Golden Rule, which is why editorial opinions are ours alone and have not been previously reviewed, approved, or endorsed by included advertisers.
Motley Fool Money does not cover all offers on the market. Editorial content from Motley Fool Money is separate from The Motley Fool editorial content and is created by a different analyst team.The Motley Fool has positions in and recommends Costco Wholesale. The Motley Fool has a disclosure policy.
Tarra “Madam Money” Jackson is a financial educator, international speaker, author, and wealth empowerment strategist helping you heal, build, and grow your wealth.
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