https://www.cbsnews.com/ Moneywatch Managing Your Money From CBSNews.com Tue, 05 Nov 2024 20:33:31 -0500 5 https://www.cbsnews.com/news/smart-gold-investing-moves-make-right-now/ Making these simple but smart gold investing moves right now could pay off significantly in the future. Tue, 05 Nov 2024 14:22:18 -0500 https://assets2.cbsnewsstatic.com/hub/i/r/2024/11/05/42d6cf0f-0b4f-41c3-a8fc-2edd4cb02b61/thumbnail/60x60/ac97f9d5adff4f58e9c6404042d4e72e/gettyimages-1387913896.jpg?v=c1d30b1df13c40bf65c6c1e6d9ac4ad7 8b3bac3e-95a8-472f-b38b-5a9fffb25b32 https://www.cbsnews.com/news/what-will-happen-to-home-equity-loan-rates-after-this-weeks-fed-rate-cut/ Another Fed rate cut is expected this week. Here's what that could mean for home equity loan rates. Tue, 05 Nov 2024 13:46:47 -0500 https://assets2.cbsnewsstatic.com/hub/i/r/2024/11/05/586ea7f0-6d12-4b66-8a23-bf033455dad0/thumbnail/60x60/ab4d0530d05b24bd0e7c04f5edb3d16e/gettyimages-468993291.jpg?v=c1d30b1df13c40bf65c6c1e6d9ac4ad7 2c605528-3101-4d92-862d-d4a4566f0718 https://www.cbsnews.com/news/why-you-should-open-cd-even-as-the-fed-continues-to-cut-rates/ An additional Federal Reserve rate cut is expected to be issued this week. Here's why you should open a CD anyway. Tue, 05 Nov 2024 13:34:28 -0500 https://assets2.cbsnewsstatic.com/hub/i/r/2024/11/05/8855bcf2-818a-46ee-a0b8-44d8f7393fc6/thumbnail/60x60/5dabc9add7a04db366c17d426159c26f/gettyimages-1068445390.jpg?v=c1d30b1df13c40bf65c6c1e6d9ac4ad7 7a6e0c30-1996-43f0-8307-2876cfab52c7 https://www.cbsnews.com/news/what-will-a-debt-collector-do-if-i-cant-pay-old-credit-card-debt/ There are a few different strategies debt collectors can use when you're unable to pay off what you owe. Tue, 05 Nov 2024 12:54:16 -0500 https://assets3.cbsnewsstatic.com/hub/i/r/2024/11/05/e88b05f7-9958-44ad-aec8-0a67ec26279c/thumbnail/60x60/2dc664d88794ccf6cf2b22c3fc25f737/gettyimages-186568918.jpg?v=c1d30b1df13c40bf65c6c1e6d9ac4ad7 2b6e453e-77ce-4f8f-b54b-d1b5626c5fdb https://www.cbsnews.com/news/whats-good-heloc-interest-rate-now-that-rates-are-falling-again/ HELOC interest rates are on the decline. Here's what a good rate looks like now that rates are falling again. Tue, 05 Nov 2024 12:51:39 -0500 https://assets2.cbsnewsstatic.com/hub/i/r/2024/11/05/583c2c88-3988-41e4-984a-fc5fa37fbc8a/thumbnail/60x60/e1326018f739893a5bfa052e11e364ea/gettyimages-2028070019.jpg?v=c1d30b1df13c40bf65c6c1e6d9ac4ad7 45faf53f-e893-4473-8a54-be761c1a2649 https://www.cbsnews.com/news/will-debt-collectors-sue-over-a-3000-credit-card-debt/ A $3,000 credit card debt may seem minor, but some debt collectors could still aggressively pursue it. Here's why. Tue, 05 Nov 2024 12:22:58 -0500 https://assets3.cbsnewsstatic.com/hub/i/r/2024/11/05/ef9d18e3-76c0-45b0-874d-9a7b81ed8dd1/thumbnail/60x60/4161d4d3e1f6e5782ba9e60052ad173c/gettyimages-2155897298.jpg?v=c1d30b1df13c40bf65c6c1e6d9ac4ad7 b366f5bb-9ab4-41be-a781-3be8b3c67a91 https://www.cbsnews.com/news/should-you-lock-in-a-mortgage-rate-after-the-november-rate-cut/ Aside from the November rate cut, several factors play a role in timing your mortgage rate lock. Tue, 05 Nov 2024 10:44:26 -0500 https://assets2.cbsnewsstatic.com/hub/i/r/2024/11/05/4a79cc9e-407d-4ad9-abac-94a49260f673/thumbnail/60x60/9d074ab0cd763c9fbfa5f52ad8c29b6e/gettyimages-2162564732.jpg?v=c1d30b1df13c40bf65c6c1e6d9ac4ad7 69002e8f-a952-467e-9575-15445a4c05a2 https://www.cbsnews.com/news/will-the-price-of-gold-fall-after-the-fed-cuts-rates-this-week/ The Fed rate cut could have a big impact on gold prices this week, but that impact may not be what you'd expect. Mon, 04 Nov 2024 14:56:50 -0500 https://assets3.cbsnewsstatic.com/hub/i/r/2024/11/04/7855f334-0e6d-4164-b087-8da6e00d0520/thumbnail/60x60/1debd8a116db50a6ea6280e9e17ea2d7/gettyimages-1264887364.jpg?v=c1d30b1df13c40bf65c6c1e6d9ac4ad7 9e823a9e-6b1b-4dbd-b181-038941727e5d https://www.cbsnews.com/news/is-100000-home-equity-loan-worth-it/ A $100,000 home equity loan could be worth opening for a wide swath of homeowners. Here's why. Mon, 04 Nov 2024 14:35:10 -0500 https://assets2.cbsnewsstatic.com/hub/i/r/2024/11/04/1f303f0c-b16f-445e-882c-2ce545707548/thumbnail/60x60/ab73815a55d0ad35ac413a4ac99b0ff6/gettyimages-1157601111.jpg?v=c1d30b1df13c40bf65c6c1e6d9ac4ad7 b52957e3-4644-4b31-9387-b43eda1c902b https://www.cbsnews.com/news/what-will-happen-to-mortgage-rates-after-this-weeks-fed-rate-cut/ The Federal Reserve is set to issue another rate cut this week. Here's what could then happen to mortgage rates. Mon, 04 Nov 2024 14:04:38 -0500 https://assets3.cbsnewsstatic.com/hub/i/r/2024/11/04/2f1a94eb-0080-41ee-8e7c-b93e81de7c16/thumbnail/60x60/3503f5c0979d316875d9265eb420d728/gettyimages-1771889165.jpg?v=c1d30b1df13c40bf65c6c1e6d9ac4ad7 422d9225-8001-485f-9ef2-69b85ac31ce0 https://www.cbsnews.com/news/heloc-interest-rates-falling-how-much-further-drop-november-2024/ HELOC interest rates are on the decline, but will they continue to fall this November? Here's what to know. Mon, 04 Nov 2024 13:41:14 -0500 https://assets1.cbsnewsstatic.com/hub/i/r/2024/11/04/4985ed96-9810-4e3f-9937-7ba6344239f6/thumbnail/60x60/7fdffe04724b0ee9a352b7980888c12a/gettyimages-1215370473.jpg?v=c1d30b1df13c40bf65c6c1e6d9ac4ad7 74cdca54-ac7a-4d08-b68e-b5cdc4a06970 https://www.cbsnews.com/news/is-it-ever-ok-to-ignore-credit-card-debt-collectors/ It can be tempting to ignore debt collectors' aggressive tactics, but it's generally not the best approach to take. Mon, 04 Nov 2024 13:04:44 -0500 https://assets2.cbsnewsstatic.com/hub/i/r/2024/11/04/2d13ccea-dd51-4003-b05c-5e58dfbde40c/thumbnail/60x60/646b63b2b6ef93142320ca3b6b82d408/gettyimages-1981703590.jpg?v=c1d30b1df13c40bf65c6c1e6d9ac4ad7 433bd271-ffb0-463f-88ec-7324a2b93144 https://www.cbsnews.com/news/can-a-10-year-old-credit-card-debt-still-be-collected/ It's common for debt collectors to pursue old debts, but do you still owe the money? Here's what to know. Mon, 04 Nov 2024 11:36:26 -0500 https://assets1.cbsnewsstatic.com/hub/i/r/2024/11/04/eb88560b-ae09-479e-a3c8-dba1bd6d2f80/thumbnail/60x60/ed25092099a8f0aae0c42bab084ab1e0/gettyimages-497092606.jpg?v=c1d30b1df13c40bf65c6c1e6d9ac4ad7 18274fb1-21eb-4339-add8-8f8740d13f09 https://www.cbsnews.com/news/how-far-will-home-equity-loan-interest-rates-drop-in-november/ Home equity loans could decline in November, but that isn't the only feasible possibility, experts say. Mon, 04 Nov 2024 10:25:08 -0500 https://assets1.cbsnewsstatic.com/hub/i/r/2024/11/04/b67ed8cb-8429-4531-a452-cc9141026e12/thumbnail/60x60/621737d48e0aa448543886b98cde8156/gettyimages-1688769966.jpg?v=c1d30b1df13c40bf65c6c1e6d9ac4ad7 afe1771d-606b-47ac-b852-df247697d9bb https://www.cbsnews.com/news/what-seniors-should-know-about-medicare-open-enrollment-for-2025/ There are a few important factors that seniors should be aware of during open enrollment this year. Fri, 01 Nov 2024 15:25:40 -0400 https://assets2.cbsnewsstatic.com/hub/i/r/2024/11/01/ef8c1192-afd3-4af1-8ea5-1c531a158281/thumbnail/60x60/a89720c7c7cc1cb8ff4d6264343abeec/gettyimages-1192177710.jpg?v=c1d30b1df13c40bf65c6c1e6d9ac4ad7 d30f2513-1ba3-4ca1-9728-7aeaa1e8bbcd https://www.cbsnews.com/news/what-should-gold-investors-expect-this-november/ Gold has experienced a remarkable price surge so far this year. Here's what could happen in November. Fri, 01 Nov 2024 14:54:35 -0400 https://assets2.cbsnewsstatic.com/hub/i/r/2024/11/01/52f24e93-a5db-4704-9d10-5c5a81dedc59/thumbnail/60x60/f6737f787cda87b3166d7d635faa53af/gettyimages-1131827346.jpg?v=c1d30b1df13c40bf65c6c1e6d9ac4ad7 ad5e6e95-9311-4fce-8662-429b77a5b721 https://www.cbsnews.com/news/credit-card-fees-that-increase-the-cost-of-your-debt/ Interest charges aren't the only things that can cause your credit card debt to balloon. These fees can, too. Fri, 01 Nov 2024 13:10:02 -0400 https://assets2.cbsnewsstatic.com/hub/i/r/2024/11/01/03f262d4-2dba-4741-aaaf-68468b56254e/thumbnail/60x60/cc0903ba3609ff3a4f26a7336d0c9482/gettyimages-1151327212.jpg?v=c1d30b1df13c40bf65c6c1e6d9ac4ad7 c7e472c4-3cf1-42aa-9dc1-83c4d76f9f1a https://www.cbsnews.com/news/helocs-vs-home-equity-loans-everything-to-consider-right-now/ Not sure if a HELOC or home equity loan is your best recourse? Here's everything homeowners should consider now. Fri, 01 Nov 2024 12:47:32 -0400 https://assets2.cbsnewsstatic.com/hub/i/r/2024/11/01/0a5a21bc-f9ae-46fc-8f75-419874b21448/thumbnail/60x60/55d3b42aaf9878633ee4bb05e6aeefc5/gettyimages-950688526.jpg?v=c1d30b1df13c40bf65c6c1e6d9ac4ad7 6db0ec24-d3a4-4510-b172-111f5c53fd03 https://www.cbsnews.com/news/important-credit-card-debt-relief-moves-to-make-this-november/ Dealing with credit card debt issues? You may want to take these steps toward debt relief this month. Fri, 01 Nov 2024 11:44:11 -0400 https://assets3.cbsnewsstatic.com/hub/i/r/2024/11/01/f3a8bc20-e2b9-44e4-a4e6-abdeb556a9d8/thumbnail/60x60/77887a68f887b5ea6c12193cacb5d212/gettyimages-486937322.jpg?v=c1d30b1df13c40bf65c6c1e6d9ac4ad7 c375b999-46f8-4111-8c1e-bb5da81e0af7 https://www.cbsnews.com/news/smart-home-equity-borrowing-moves-to-make-this-november/ Considering tapping into your home equity this November? Here are three smart borrowing moves to know now. Fri, 01 Nov 2024 10:59:45 -0400 https://assets1.cbsnewsstatic.com/hub/i/r/2024/11/01/d0a2a5a3-5791-4103-8e3a-7ea0e9172033/thumbnail/60x60/36aa9b512bcaf0d28053ac0cb990f134/gettyimages-1605410228.jpg?v=c1d30b1df13c40bf65c6c1e6d9ac4ad7 b235bb12-fc64-4b00-8344-046fe7290130 https://www.cbsnews.com/news/how-much-does-a-250000-heloc-cost-now-that-rates-are-dropping/ Thinking about borrowing $250,000 from your home's equity? Here's what your HELOC payments could look like now. Thu, 31 Oct 2024 14:10:00 -0400 https://assets2.cbsnewsstatic.com/hub/i/r/2024/10/31/d5726c52-75c5-46e4-a7f9-7352f1b61988/thumbnail/60x60/777e98d77e3b5f6cb31d709acc9d44a6/gettyimages-937089370.jpg?v=c1d30b1df13c40bf65c6c1e6d9ac4ad7 64071a40-d529-45b3-bd21-56c8ad6bd0e1 https://www.cbsnews.com/news/35000-credit-card-debt-what-debt-forgiveness-could-cover/ If you're facing $35,000 in credit card debt, debt forgiveness could have a big impact on your balance. Here's how. Thu, 31 Oct 2024 12:25:00 -0400 https://assets3.cbsnewsstatic.com/hub/i/r/2024/10/31/e374608d-3dde-4bae-ad51-2d22ab4ab833/thumbnail/60x60/3531b5090272f212e6aacf6dbdef9d55/gettyimages-172347043.jpg?v=c1d30b1df13c40bf65c6c1e6d9ac4ad7 92414f8c-ae7c-48e9-8ba1-c35efbb38154 https://www.cbsnews.com/news/how-will-filing-for-bankruptcy-impact-my-credit-score/ Bankruptcy can help you wipe the financial slate clean — but it can also do some serious damage to your credit. Thu, 31 Oct 2024 11:45:00 -0400 https://assets2.cbsnewsstatic.com/hub/i/r/2024/10/31/cbf645cb-1998-40c2-8b57-6e0138d4404d/thumbnail/60x60/52c4d1913b40d882afdb69bde162cdf5/gettyimages-1406738168.jpg?v=c1d30b1df13c40bf65c6c1e6d9ac4ad7 167eb572-8f16-40d4-b858-a2c0cddfebbb https://www.cbsnews.com/news/will-home-equity-loan-interest-rates-fall-in-november/ Waiting for a chance to tap into your home equity at an affordable rate? Here's where rates could head in November. Thu, 31 Oct 2024 10:45:36 -0400 https://assets1.cbsnewsstatic.com/hub/i/r/2024/10/31/77dd9d4b-f36d-4298-8f10-d7f86fde3ab2/thumbnail/60x60/238093289f2f26196a585d5caa5f4c1c/gettyimages-1771889173.jpg?v=c1d30b1df13c40bf65c6c1e6d9ac4ad7 e7d3ca9b-07bb-41d8-8bb1-3b97beff2b4a https://www.cbsnews.com/news/how-far-will-mortgage-interest-rates-fall-in-november/ Wondering whether mortgage rates will drop further in November? Here's what experts have to say about it. Thu, 31 Oct 2024 10:26:39 -0400 https://assets1.cbsnewsstatic.com/hub/i/r/2024/10/31/357626b9-f7fc-4e5b-8601-b3dd762978b4/thumbnail/60x60/040151209d5dbb309749bbec7aebe1f9/gettyimages-1314134934.jpg?v=c1d30b1df13c40bf65c6c1e6d9ac4ad7 1568c744-819a-487d-92bf-92ac6aaff7dd https://www.cbsnews.com/news/gold-investing-mistakes-beginners-should-avoid-this-november/ Considering a gold investment now amid the record price surge? Here are three timely (but costly) mistakes to avoid. Wed, 30 Oct 2024 15:08:54 -0400 https://assets1.cbsnewsstatic.com/hub/i/r/2024/10/30/64a403a6-c83f-457d-aa1b-b9e790c33a1d/thumbnail/60x60/299a0c3dd4375c56d0bcc4cc6270e852/gettyimages-1248428599.jpg?v=c1d30b1df13c40bf65c6c1e6d9ac4ad7 8d091ae5-f1e4-493f-85fa-201f542ab9bb https://www.cbsnews.com/news/can-i-get-a-heloc-with-a-580-credit-score/ Tapping into your home equity with a poor credit score could be tough— but it may not be impossible. Here's why. Wed, 30 Oct 2024 13:19:44 -0400 https://assets3.cbsnewsstatic.com/hub/i/r/2024/10/30/b791fb0c-b9b9-4a14-906f-54754796a97d/thumbnail/60x60/58e0845fc6a57e2e045ee176e1ffcbc0/gettyimages-138341310.jpg?v=c1d30b1df13c40bf65c6c1e6d9ac4ad7 9988ec58-26d7-40a1-b018-e5b9ff3d1225 https://www.cbsnews.com/news/reasons-to-consider-debt-relief-this-november/ Not sure if your situation warrants the help of a debt relief servicer? Here are three timely reasons why it may. Wed, 30 Oct 2024 13:09:00 -0400 https://assets1.cbsnewsstatic.com/hub/i/r/2024/10/30/3e2f9f43-478c-4d3e-b4d8-67a0d3124f7e/thumbnail/60x60/a32392094269915b3ae1a31303917a2b/gettyimages-1075439450.jpg?v=c1d30b1df13c40bf65c6c1e6d9ac4ad7 085c0331-3bdd-4009-a89d-2ed5bc167ad2 https://www.cbsnews.com/news/how-much-does-200000-heloc-cost-per-month-now-that-rates-are-dropping/ HELOCs come with lower interest rates than many alternatives right now - and they could fall further in November. Wed, 30 Oct 2024 12:14:52 -0400 https://assets2.cbsnewsstatic.com/hub/i/r/2024/10/30/a210445e-835e-4082-b25b-33a3d2c5b689/thumbnail/60x60/c5fbf76f803e45e85441c881fbd85c6d/gettyimages-1293989618.jpg?v=c1d30b1df13c40bf65c6c1e6d9ac4ad7 fa05023a-4cd1-4240-a28c-9f15dc91ec46 https://www.cbsnews.com/news/how-to-have-your-credit-card-debt-forgiven-this-november/ Need to have your credit card debt forgiven? There are a few ways to pursue this type of debt relief now. Wed, 30 Oct 2024 12:13:00 -0400 https://assets1.cbsnewsstatic.com/hub/i/r/2024/10/30/9b9e5965-fe29-4c4d-88d7-297ca5552f5a/thumbnail/60x60/72a64ce3e1a0cc8c55ade97d4451b39c/gettyimages-79325361.jpg?v=c1d30b1df13c40bf65c6c1e6d9ac4ad7 1bd78c54-96a3-484a-8bd2-ccc1fe28f378