/ Moneywatch Managing Your Money From CBSNews.com Sat, 17 May 2025 03:32:41 -0400 5 /news/qualify-for-credit-card-debt-forgiveness-things-to-watch/ Thinking about applying for credit card debt forgiveness in today's economy? Start by inspecting these three items. Fri, 16 May 2025 15:00:48 -0400 https://assets2.cbsnewsstatic.com/hub/i/r/2025/05/16/0328a1b1-2ab5-481a-aa5e-d1c799fac9aa/thumbnail/60x60/075c5dd60c64c98ba5a36c4666101d87/gettyimages-172932004.jpg?v=6df9366690ed146f169dd0670c453f91 456ecf5e-ca63-4a08-ac06-6fa17072c43a /news/gold-prices-falling-investments-that-could-pay-off-now/ Gold's price pullback may signal an opportunity. Here's how investors can take advantage before prices rebound. Fri, 16 May 2025 14:11:39 -0400 https://assets3.cbsnewsstatic.com/hub/i/r/2025/05/16/441941d6-ddc8-4c4a-99a1-a9b0b9212175/thumbnail/60x60/14359970382582863bec483de4c75095/gettyimages-1440276073.jpg?v=6df9366690ed146f169dd0670c453f91 d74f1e24-8f91-4cdc-a4e3-4f127ace0ebd /news/how-have-heloc-interest-rates-changed-in-2025/ HELOC interest rates have changed substantially in recent months. Here's what to know at this point in 2025. Fri, 16 May 2025 13:10:36 -0400 https://assets2.cbsnewsstatic.com/hub/i/r/2025/05/16/f4afc9a6-5041-4f36-a66b-a7181b5a0c34/thumbnail/60x60/fe16467f6f35d373003b12f27cb08be5/gettyimages-1771889168.jpg?v=6df9366690ed146f169dd0670c453f91 0117402a-584a-4c34-aa2e-a0f6a15c41f9 /news/can-you-legally-stop-paying-your-credit-cards/ Before you stop paying, you should understand the risks and the possible legal consequences of doing so. Fri, 16 May 2025 12:51:55 -0400 https://assets3.cbsnewsstatic.com/hub/i/r/2025/05/16/e39a6cc8-4bc7-47fe-a059-02da20af2795/thumbnail/60x60/21b9d5be4d578b95b02c921607c0e491/gettyimages-185222071.jpg?v=6df9366690ed146f169dd0670c453f91 5c63c1b6-baf0-4ef0-86aa-22de316544c6 /news/how-much-will-a-50000-annuity-pay-per-month/ A $50,000 annuity offers steady retirement income, but the monthly payouts vary by age, gender and contract type. Fri, 16 May 2025 11:45:51 -0400 https://assets2.cbsnewsstatic.com/hub/i/r/2025/05/16/bf07cbaa-71af-49a3-99b6-4242b30151ed/thumbnail/60x60/f9f74bb8bd9b48b2e36b55717bfa0733/gettyimages-2202328838.jpg?v=6df9366690ed146f169dd0670c453f91 6c3452e4-5a97-48fa-94b3-b5bf5343aebc /news/how-much-interest-would-10000-6-month-cd-earn-may-2025/ A $10,000 6-month CD could earn savers a good amount of money if opened now. But that's not the only benefit. Fri, 16 May 2025 11:01:03 -0400 https://assets1.cbsnewsstatic.com/hub/i/r/2025/05/16/75956aee-79bb-48b8-90a7-45e5e8efc98f/thumbnail/60x60/53d4234c043eb768d2be469f37edc47d/gettyimages-1635363607.jpg?v=6df9366690ed146f169dd0670c453f91 66f0b9d4-a231-4eb7-a507-a9853e04499c /news/what-are-todays-cd-interest-rates/ When you open a CD, you'll lock in today's rates for the entire term. Here's how much you can earn. Fri, 16 May 2025 08:54:55 -0400 https://assets2.cbsnewsstatic.com/hub/i/r/2023/06/05/0532bb22-a3c5-41f8-8473-428a1b4d36e2/thumbnail/60x60/559eba62110aa70fb3a06535d24903bd/gettyimages-1433466907.jpg?v=6df9366690ed146f169dd0670c453f91 a5fd125a-8fb6-4b98-9a77-06e7c51b040e /news/what-are-todays-mortgage-and-mortgage-refinance-interest-rates/ Knowing today's mortgage rates can help new homebuyers and homeowners looking to lock in a good deal. Fri, 16 May 2025 08:53:47 -0400 https://assets1.cbsnewsstatic.com/hub/i/r/2023/06/15/86afcceb-cd5d-42f1-a29b-e0341f72cbff/thumbnail/60x60/a989950b607c5492e732469f289c38b0/gettyimages-839311524.jpg?v=6df9366690ed146f169dd0670c453f91 0078a971-df18-4050-98fc-2be371ba30dd /news/what-are-todays-savings-interest-rates/ You can open a high-yield savings account today and start earning more on the money you save. Fri, 16 May 2025 08:41:42 -0400 https://assets2.cbsnewsstatic.com/hub/i/r/2023/06/05/ddf48dbb-806b-4f17-ad69-8c159cb14a53/thumbnail/60x60/272974152657ed05a6e6043034e4b14e/what-are-todays-savings-interest-rates.jpg?v=6df9366690ed146f169dd0670c453f91 6c1fca86-7f11-43d9-9a11-f10757210fcb /news/what-is-the-price-of-gold-today/ Understanding the pricing trends and dynamics of the gold market is crucial for making sound financial choices. Fri, 16 May 2025 08:35:40 -0400 https://assets1.cbsnewsstatic.com/hub/i/r/2023/10/04/2d5e8bc4-59ce-42dd-a599-35dcc4267a76/thumbnail/60x60/d3abddcd4eeadb91619ed2b9d0985ec4/gettyimages-1253978377.jpg?v=6df9366690ed146f169dd0670c453f91 958c31d3-5e3e-495a-a218-6f5c7862fb17 /news/how-to-invest-in-gold-for-beginners/ If you're looking to start investing in gold, these are a few of the best ways to get started. Thu, 15 May 2025 15:41:43 -0400 https://assets3.cbsnewsstatic.com/hub/i/r/2022/12/12/b4246719-29a2-46e3-949a-35cf56adff94/thumbnail/60x60/a78be91c4616738c0e7aa2d7a8b34708/gettyimages-1148114588.jpg?v=6df9366690ed146f169dd0670c453f91 ecb727cb-682d-4164-8ce9-f09bb574c2e1 /news/where-to-buy-gold-bars-coins/ When it comes to purchasing physical gold, there are plenty of options available. These are the best to consider. Thu, 15 May 2025 15:31:02 -0400 https://assets3.cbsnewsstatic.com/hub/i/r/2023/06/20/04eecfb5-ce80-44be-80c9-7a1e2ddc8ca6/thumbnail/60x60/f228b2367027cfac6309ea6e2d3d620e/where-to-buy-gold-bars-coins.jpg?v=6df9366690ed146f169dd0670c453f91 b10894cd-b649-4123-9ae1-c929024b92eb /news/who-qualifies-for-credit-card-debt-forgiveness/ Are you looking for a fast way out of credit card debt? Credit card debt forgiveness might help. Here's how. Thu, 15 May 2025 15:23:02 -0400 https://assets1.cbsnewsstatic.com/hub/i/r/2024/01/03/f6ab80c7-14ea-4e36-89a3-697892b510ee/thumbnail/60x60/aeb33f5b61d371f215d37a279cc1369e/gettyimages-868860560.jpg?v=6df9366690ed146f169dd0670c453f91 984192f1-c45c-40de-86db-81d4917eceec /news/insurance-policies-seniors-should-consider-spring-2025/ Following recent market volatility, seniors may benefit from securing one or more of these insurance policies now. Thu, 15 May 2025 14:53:15 -0400 https://assets2.cbsnewsstatic.com/hub/i/r/2025/05/15/81b9fe7a-f5ea-47a0-9b57-dbc4dd9a3547/thumbnail/60x60/c0b900efabe46d187c27f0efa27397cc/gettyimages-1767104100.jpg?v=6df9366690ed146f169dd0670c453f91 6d7c5dca-a3f9-465d-835a-7e1efb8324b2 /news/can-i-use-my-credit-card-after-debt-settlement/ The answer to that question isn't as straightforward as you might want, but the situation isn't hopeless, either. Thu, 15 May 2025 14:25:29 -0400 https://assets2.cbsnewsstatic.com/hub/i/r/2025/05/15/db4105da-cd84-4bf2-a52d-e526719e3b57/thumbnail/60x60/a0d2ca5614ab760e914d67e03ac8d240/gettyimages-1324712470.jpg?v=6df9366690ed146f169dd0670c453f91 4f356c44-7612-4fff-9c86-a1b4bd71078f /news/how-often-should-i-invest-in-gold/ A gold investment offers timely benefits right now. But how often should you invest in the metal to earn them? Thu, 15 May 2025 13:37:18 -0400 https://assets3.cbsnewsstatic.com/hub/i/r/2025/05/15/3a6c807f-d2aa-4a61-b698-598b26238cda/thumbnail/60x60/fd2097882c0376e25aefbe1030561988/gettyimages-1195744691.jpg?v=6df9366690ed146f169dd0670c453f91 da54c77e-b89f-4446-8515-fd0f53c46d95 /news/what-happens-if-you-cant-pay-back-a-payday-loan/ Struggling to repay a payday loan? Here's what to expect — and how to break free from this debt cycle for good. Thu, 15 May 2025 12:39:30 -0400 https://assets1.cbsnewsstatic.com/hub/i/r/2025/05/15/5d80b88f-490e-4f00-b7b6-1e200c0206c4/thumbnail/60x60/5882333100bc82000d686b2761156527/gettyimages-1489735779.jpg?v=6df9366690ed146f169dd0670c453f91 794f734d-adf1-4f18-9ab8-6411f42c86a4 /news/is-home-equity-trapped-what-experts-say-to-do/ Due to a variety of reasons, your home equity may be "trapped." But there are still viable options to consider. Thu, 15 May 2025 11:33:09 -0400 https://assets3.cbsnewsstatic.com/hub/i/r/2025/05/15/32a1d12f-1d11-4ef6-b7e6-fc81051da63a/thumbnail/60x60/de7cd9501f757f88ac5387f496602d52/gettyimages-1382292866.jpg?v=6df9366690ed146f169dd0670c453f91 f6753a73-0d0f-4f09-ad36-bab1fb8a28d8 /news/home-equity-borrowing-rules-may-2025-according-to-experts/ Considering a low-rate HELOC or home equity loan this month? Here are four borrowing rules experts say to follow. Thu, 15 May 2025 09:46:14 -0400 https://assets3.cbsnewsstatic.com/hub/i/r/2025/05/15/c5126683-6097-4e37-ae41-44661cd3c2b8/thumbnail/60x60/fc5fe56eba7dd0993d0d6cb816975266/gettyimages-2194481967.jpg?v=6df9366690ed146f169dd0670c453f91 988081bc-50b0-4669-bd6d-e5364b773a33 /news/heloc-or-personal-loan-which-is-cheaper-now/ HELOC rates have been declining for much of the last year. Here's how they compare to personal loan rates right now. Wed, 14 May 2025 16:44:40 -0400 https://assets1.cbsnewsstatic.com/hub/i/r/2025/05/14/571c6d6f-ad51-4868-8fa3-d4314ecab4ab/thumbnail/60x60/e425324e87810048edf2080d88aa8ccf/gettyimages-1334436023.jpg?v=6df9366690ed146f169dd0670c453f91 36c9e9f1-bcec-4a1e-8bdf-a27b19244e86 /news/what-can-you-not-do-after-filing-chapter-7-bankruptcy/ Filing Chapter 7 can offer relief, but it also comes with serious limitations you need to know about first. Wed, 14 May 2025 16:04:16 -0400 https://assets3.cbsnewsstatic.com/hub/i/r/2025/05/14/d58b8111-27ec-49b2-9e35-a1ca34812e39/thumbnail/60x60/dd832e5612da3bb656e0341a240160b6/gettyimages-1571202037.jpg?v=6df9366690ed146f169dd0670c453f91 e5b67298-37f7-4c07-ac74-eb550c671199 /news/signs-heloc-makes-sense-may-2025/ Considering a HELOC to borrow money, but are unsure if it's the right move to make? Here are the signs to consider now. Wed, 14 May 2025 15:15:45 -0400 https://assets2.cbsnewsstatic.com/hub/i/r/2025/05/14/97d8f882-eb19-4a25-99b6-1c81028487e8/thumbnail/60x60/56d8f058bc2d80eb68cdf61f22df3861/gettyimages-957134776.jpg?v=6df9366690ed146f169dd0670c453f91 92b36f6a-a644-40bd-86dd-37a83c7c7649 /news/debt-consolidation-moves-borrowers-should-make-may-2025/ Stuck with high-rate credit card debt that you're looking to consolidate? Here are four timely moves to make now. Wed, 14 May 2025 14:41:40 -0400 https://assets3.cbsnewsstatic.com/hub/i/r/2025/05/14/2be95af8-ec80-44ad-95ec-2e1d789ea3e7/thumbnail/60x60/2199945a0d5a19bf806f838dfadd63da/gettyimages-2178610576.jpg?v=6df9366690ed146f169dd0670c453f91 da0bcf2a-af80-453b-baeb-78ad80279d1b /news/what-a-250000-annuity-could-pay-you-each-month/ Before getting started with a $250,000 annuity, it's important to know what the monthly payments would be. Wed, 14 May 2025 13:37:21 -0400 https://assets1.cbsnewsstatic.com/hub/i/r/2025/05/14/60cd1660-c8d7-49a2-959d-05032ff9f77b/thumbnail/60x60/c35c9355f3e2807f2d5f3bca314a1d1c/gettyimages-2191454552.jpg?v=6df9366690ed146f169dd0670c453f91 d789c10b-bb88-485f-9e9e-579101b62f16 /news/credit-card-balances-are-falling-heres-how-to-reduce-yours-now/ Credit card balances are finally dipping — but high rates persist. Here's how to start reducing your debt for good. Wed, 14 May 2025 11:25:12 -0400 https://assets3.cbsnewsstatic.com/hub/i/r/2025/05/14/92384bfe-e13f-4fc3-a70a-2ec90f1cbc3b/thumbnail/60x60/9f3b93e27bfe8b02e97ea254c4ef2e92/gettyimages-530890905.jpg?v=6df9366690ed146f169dd0670c453f91 3756af36-dd54-4c8c-aa1c-1f1b2124e86d /news/investing-in-gold-expert-driven-strategies-to-use/ Want to invest in gold in today's economy? Here are four expert-backed strategies to use when you do. Wed, 14 May 2025 10:44:53 -0400 https://assets3.cbsnewsstatic.com/hub/i/r/2025/05/14/4d887f30-d6ca-4079-b287-c55b0d187d7c/thumbnail/60x60/099d3514f1f8b2d597b7ef194a7277b9/gettyimages-527847360.jpg?v=6df9366690ed146f169dd0670c453f91 393042a3-37fe-42dc-b06d-12411ebd3069 /news/how-much-gold-buy-each-year-what-experts-say/ As the price of gold rises, investors may be contemplating how much they should buy each year. Here's what experts say. Wed, 14 May 2025 08:48:50 -0400 https://assets3.cbsnewsstatic.com/hub/i/r/2025/05/14/77d79f94-fb70-48b6-a09b-f8a72f38b5d7/thumbnail/60x60/4d1803a74255fe88d4b01d662663e0fe/gettyimages-1384174774.jpg?v=6df9366690ed146f169dd0670c453f91 bd5d76d3-9f38-4003-9da0-3c83a6a3331b /news/inflation-gold-prices-and-what-to-expect-next/ Cooling inflation could shift gold prices — but other factors may have more of an impact right now. Here's why. Tue, 13 May 2025 16:05:27 -0400 https://assets3.cbsnewsstatic.com/hub/i/r/2025/05/13/9d41283d-fc7b-470a-a296-359c36cdfe0c/thumbnail/60x60/48f79c669a50133f55e4cf6d96775b81/gettyimages-1487576650.jpg?v=6df9366690ed146f169dd0670c453f91 c5ae8d70-2afc-40ea-ab78-8dbf244a72c3 /news/does-debt-forgiveness-make-sense-economy-improving/ Inflation is cooling, but that doesn't mean your debt is getting easier to manage in today's economic climate. Tue, 13 May 2025 13:23:41 -0400 https://assets1.cbsnewsstatic.com/hub/i/r/2025/05/13/5866ef23-33ed-45c2-bfa0-3040b4636239/thumbnail/60x60/6840717572571ab80ee85c31718747a4/gettyimages-1176718646.jpg?v=6df9366690ed146f169dd0670c453f91 0efdd0d2-2056-45a4-8fa9-ab4b5a56423b /news/how-much-will-a-1-million-annuity-pay-monthly/ Thinking about putting $1 million into an annuity? Here's what to know about the retirement income it could offer. Tue, 13 May 2025 11:33:59 -0400 https://assets3.cbsnewsstatic.com/hub/i/r/2025/05/13/73e2683c-479a-4fa3-843a-feff587dd5ee/thumbnail/60x60/9fb4b773c2629cd041db94ad37390231/gettyimages-1407840656.jpg?v=6df9366690ed146f169dd0670c453f91 21d7510f-0f09-490a-8514-36b5e36bfe5a