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How to compare credit repair options

Published Fri, 15 Nov 2024 06:09:02 GMT

Rebecca Betterton | Bankrate.com (TNS)If you have recently applied for a financial product, you may have been met with higher than normal rates. This, primarily due to inflation, is unfortunately out of your control. But working to improve your credit score through the process of credit repair can mean a higher score and potentially better rates in the future.When choosing which credit repair route — a credit repair company, a credit counselor or through DIY approaches — consider the following factors to ensure the chosen method fits your specific needs.Time availableWhile the process of repairing your credit is not known for its quick speed, there are some options that might be preferred over others if the timing is top of mind. Of the routes, the do-it-yourself approach has the largest time commitment. It will require you to get copies of your reports, review them, file any disputes and adopt healthier spending habits.If you’re looking to save some of your own time, consider a cre...

Timing and cost of new vaccines vary by virus and health insurance status

Published Fri, 15 Nov 2024 06:09:02 GMT

By Julie Appleby, KFF Health NewsAs summer edges toward fall, thoughts turn to, well, vaccines.Yes, inevitably, it’s time to think about the usual suspects — influenza and COVID-19 shots — but also the new kid in town: recently approved vaccines for RSV, short for respiratory syncytial virus.But who should get the various vaccines, and when?“For the eligible populations, all three shots are highly recommended,” said Georges Benjamin, a physician and the executive director of the American Public Health Association.Still, there’s no need to get them all at the same time, and there are reasons to wait a bit for two of them. Some people may also face cost issues. Let’s break this down.What’s the price?It depends on the vaccine — and on your insurance coverage.For COVID shots, including the updated ones expected to be available this fall, most people will still be able to get the vaccines for free. People became accustomed to that no-cost availability during the pandemic, but the federal...

At least 74 are dead, many of them homeless, as fire rips through a rundown building in South Africa

Published Fri, 15 Nov 2024 06:09:02 GMT

By GERALD IMRAY and MOGOMOTSI MAGOME (Associated Press)JOHANNESBURG (AP) — A nighttime fire ripped through a rundown apartment building mainly occupied by homeless people and squatters in Johannesburg early Thursday, leaving at least 74 dead, officials said. Some people threw babies out of third-story windows to others waiting below in the desperate scramble to evacuate, witnesses said.At least 12 of those killed were children, the youngest a 1-year-old, according to city and medical officials, who held a press conference to give an update on the death toll. They said an undetermined number of people were still missing and many bodies recovered were burned beyond recognition.More than 50 people were injured, six of whom were in a serious condition in the hospital. Emergency services officials had earlier warned that the death toll could rise as they continued to search the scene more than 12 hours after the blaze broke out at around 1 a.m.Dozens of bodies recovered by firefigh...

Do this before the redesigned 2024 FAFSA launches in December

Published Fri, 15 Nov 2024 06:09:02 GMT

By Trea Branch | NerdWalletFor the first time since 2016, the Free Application for Federal Student Aid (FAFSA) will not be ready on Oct. 1 for the following academic year. Instead, students have to wait until December to fill out and submit a redesigned application for financial aid — including federal student loans, grants and work-study — for the 2024–25 school year.Nearly 72% of college families didn’t know that the 2023-24 FAFSA became available on Oct. 1, 2022, according to a 2023 study by private student loan lender Sallie Mae. If families aren’t ready to go when the new FAFSA is released this year, they could miss out on vital aid to help them cover college expenses.“We’re dealing with a truncated financial aid season,” says MorraLee Keller, senior director of strategic programming at the National College Attainment Network (NCAN), a nonprofit organization supporting college affordability. Keller says all students should do what they can to be re...

Giancarlo Stanton’s historic home run numbers are flying under the radar for Yankees

Published Fri, 15 Nov 2024 06:09:02 GMT

When Giancarlo Stanton pummeled a 425-foot home run during Wednesday’s win against the Tigers, the Yankees slugger quietly achieved MLB history.The solo shot was the 20th home run of the year for Stanton, making him the only player to reach that milestone in 12 different seasons since 2010. He broke a tie with Nelson Cruz, who had done so 11 times over that stretch.The lack of attention around Stanton’s fourth-inning blast was perhaps fitting, considering his prolific power numbers and consistency have frequently been overshadowed by his massive contract and rash of injuries in recent years.Wednesday’s home run was the 398th of Stanton’s career. Only 57 players have hit 400 home runs. Still just 33 years old, Stanton is on pace to eventually join the 500 home run club, which was long considered an automatic admission into the Hall of Fame.Of the 28 players to hit 500 homers, 19 are Hall of Famers. Two others — Albert Pujols and Miguel Cabrera — ap...

Is Gen Z the generation that knows how to make the most out of travel?

Published Fri, 15 Nov 2024 06:09:02 GMT

By Holly D. Johnson, BankrateIt’s easy to see why Generation Z (anyone born after 1997 according to Pew Research Center) has a different worldview than those in Generation X and even millennials (those born between 1981 and 1996). The young people who make up Gen Z have never known a world without the internet, phones that tether you to the wall or rapid technological disruptions and discoveries taking place every few years.Gen Z also tends to be more open-minded and understanding of social change, and they seem to think anything is possible because it is. Those in the younger generation seem more inclined to want to get out and explore — even though their parents and grandparents may not have had the same opportunities.In fact, a new Bankrate survey released in July 2023 showed that, this year, younger generations are more likely to travel just for fun than their older counterparts. Specifically, survey results showed 68% of Gen Z respondents planned to travel for leisure this year...

Tropical Storm Idalia heads out to sea as Florida and Georgia begin arduous cleanup process

Published Fri, 15 Nov 2024 06:09:02 GMT

By TERRY SPENCER (Associated Press)PERRY, Fla. (AP) — Tropical Storm Idalia headed out to sea Thursday after thrashing parts of Florida and Georgia with punishing rains and destructive winds, leaving residents to begin the arduous process of clearing fallen trees, restoring power and picking through the debris of devastated homes.Thus far, authorities have only confirmed only one death, that of a man hit by a falling tree in Georgia. But the storm’s ferocious winds shredded homes in Florida’s Big Bend area, where Idalia roared ashore as a major hurricane. As many as a half-million customers were without power at one point in Florida and Georgia as the storm ripped down power poles.After pounding Florida, Idalia swung east, flooding many of South Carolina’s beaches and leaving some in the state and North Carolina without power before heading back into the Atlantic Ocean. Forecasters said the weakened storm should continue heading away from the U.S. for several days, although of...

Bavaria’s deputy governor rejects new accusations of antisemitic behavior when he was in school

Published Fri, 15 Nov 2024 06:09:02 GMT

BERLIN (AP) — The deputy governor of Germany’s Bavaria state defended himself Thursday against mounting allegations that he was responsible for an antisemitic flyer, gave the Hitler salute, and imitated the Nazi dictator as a high school student — claims that have caused an uproar weeks before a state election.Pressure has been growing on Hubert Aiwanger, who is also Bavaria’s economy minister, to explain himself, as German media have been confronting him with more allegations since the first report about the antisemitic flyer was published last week.Aiwanger told reporters in Munich that “I emphasize again I did not write the pamphlet.” “I don’t remember ever giving a Hitler salute. I did not rehearse Hitler’s speeches in front of the mirror,” Aiwanger said. “Further accusations, like demeaning jokes, I can neither completely deny nor confirm from my memory. If this has happened, I apologize for it.”Aiwanger did previously admit that several copies of the flyer ha...

Pope makes first visit to Mongolia as Vatican relations with Russia and China are again strained

Published Fri, 15 Nov 2024 06:09:02 GMT

ROME (AP) — Pope Francis is travelling to Mongolia to encourage one of the world’s smallest and newest Catholic communities, the first papal visit to the Asian country at a time when the Vatican’s relations with Mongolia’s two powerful neighbors Russia and China are once again strained.Francis arrives in the Mongol capital Ulaanbaatar on Friday morning after an overnight flight passing through Chinese airspace, which will give him a rare opportunity to send a note of greetings to President Xi Jinping. Vatican protocol calls for the pope to send such greetings whenever he flies over a foreign country.After a brief airport welcome, the 86-year-old Francis takes the remainder of the day off to rest before his official program begins Saturday.On tap are official meetings with the Mongolian president and prime minister and a speech before Mongolian government, cultural and business leaders, followed by Francis’ first encounter with the bishops, priests and nuns who form the b...

Poland and South Korea defense ministers discuss security cooperation, support for Ukraine

Published Fri, 15 Nov 2024 06:09:02 GMT

WARSAW, Poland (AP) — The defense ministers of Poland and South Korea held talks in Warsaw Thursday on security and support for Ukraine in its fight against Russia’s aggression, as well as on further cooperation in the armaments sector. Poland is purchasing tens of billions of dollars worth of weapons and military equipment from South Korea as it upgrades its defense potential with concern rising because of the war in neighboring Ukraine. The new equipment is also replacing that which Poland has given to Ukraine to help it defend itself against the Russian invasion.Poland’s Defense Minister Mariusz Blaszczak met with his Korean counterpart Lee Jong-Sup at the Defense Ministry. The military equipment Poland bought from South Korea includes K2 tanks, Thunder K9 howitzers, training and combat FA-50 fighter jets and K239 Chunmoo rocket artillery systems.The Associated Press