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If you’re wondering if the stock market is open on Juneteenth, the answer’s no. The New York Stock Exchange, Nasdaq, and U.S. bond markets all shut down for this federal holiday. This means you can’t trade on June 19. Markets pick up again the next day, so you’ll want to plan your investments or trading around that. Juneteenth’s a recognized federal holiday, marking a big moment in American history. Because of this, a lot of financial institutions and federal offices close up shop for the day. This closure affects not just the stock market, but also other financial services. It’s…

The Federal Reserve interest rates play a big role in shaping the U.S. economy. These rates influence how much it costs to borrow money, which affects everything from your credit cards to home loans. When the Fed changes its rates, it tries to balance economic growth and keep inflation under control. You might wonder how the Fed decides on these rates and why they matter to you. The rates guide banks on lending money and impact financial markets, which in turn affect your savings and investments. Understanding these changes helps you make smarter financial decisions. Key Takeways The Fed’s rates…

A credit counseling agency helps you manage your debt and improve your financial situation through expert advice and personalized plans. These agencies provide services like budgeting help, debt management plans, and credit score guidance to support your path to financial stability. They work with you to create a customized approach that fits your needs and goals. By working with a credit counselor, you gain access to tools that can simplify paying off multiple debts and improve your understanding of money management. These agencies also assist with challenges like housing costs and offer ongoing support to keep you on track. Knowing…

Struggling with credit card debt can feel overwhelming, but there are real ways to get help and regain control of your finances. The key to credit card debt help is understanding your options and choosing the right path for your situation, whether that’s managing payments yourself or seeking professional support. You don’t have to face this alone or wait until the problem grows. From simple tools like balance transfers and budgeting tips to debt consolidation and relief programs, there are strategies that can reduce your debt and make it more manageable. Knowing which steps to take can save you time,…

The IRS collects taxes and manages federal tax laws in the United States. Knowing how the IRS works helps you meet your tax responsibilities and avoid penalties. You can pay taxes, check your refund status, and find official forms through the IRS. It’s all in one place, which is honestly pretty convenient. Interacting with the IRS can feel complicated, but there are tools and resources to help. Whether you need to file a return, track a refund, or manage your account, most of it is available online. Learning to navigate these options gives you more control over your tax situation.…

Managing multiple credit card bills and loans can feel overwhelming and expensive. Credit card and loan consolidation lets you combine your debts into one payment, often with a lower interest rate and simpler monthly bills. This approach helps reduce stress and can make paying off your debt faster and more affordable. You can use different methods to consolidate, such as personal loans, balance transfer cards, or home equity lines of credit. Each option has its own costs and rules, so understanding which fits your situation can save you money and avoid unexpected risks. Knowing how to apply, what lenders look…

Refinancing your student loans with Citizens Bank could help you save money by lowering your interest rates and simplifying your payments. Citizens Bank offers refinancing options for federal and private student loans, with loan amounts ranging from $10,000 up to $750,000 depending on your degree. This makes it a flexible choice if you want to manage your debt in one place. You can check your potential rates without a hard credit check, and if you already have an account with Citizens Bank, you might qualify for loyalty discounts. Keep in mind that refinancing federal loans means losing access to federal…

If you are struggling with multiple credit card balances or loans, consolidation can simplify your finances and may lower your interest rates. Credit card and loan consolidation means combining your debts into one single payment, which can help reduce stress and improve your chances of paying off what you owe faster. This makes managing your money easier and could save you money on interest. You have several options for consolidation, including personal loans, balance transfers, and home equity lines of credit. Each option has its own pros and cons, so understanding how they work will help you choose the best…

Personal loan forgiveness isn’t a common option, but sometimes it’s possible. It happens when a lender cancels all or part of your personal loan debt, so you don’t have to pay the full amount back. Knowing when and how you might qualify is pretty important if you’re hoping for this kind of relief. Most lenders don’t offer forgiveness for personal loans, but some programs or negotiations might help if you’re struggling. You could also look at things like debt consolidation or changing your payment plan to keep your debt manageable and avoid hurting your credit too much. It’s worth considering…