Credit

How To Protect Your Credit And Assets When Marrying Someone With Debt

You spent your single days building a good credit rating, paying off your debts and saving a nice chunk of change. Your partner? Not so much. In fact, your future spouse has quite a bit of debt.

Marriage is about making it work for better or worse, but it doesn’t seem fair that exchanging vows could unravel all your hard work. Fortunately, it doesn’t have to. Here’s what you should know about protecting your finances when marrying someone with debt.

How Getting Married Affects Your Credit

When two people get married, they combine many areas of their lives. The two of you may share the same home, bank accounts, perhaps even last name. So how does getting married affect your credit?

“The short answer is that it does not,” said Emily Pollock, a partner specializing in matrimonial and family law at Kasowitz Benson Torres in New York. She noted that

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Credit Suisse Thinks Bain Capital Specialty Finance’s Stock is Going to Recover

In a report issued on May 1, Douglas Harter from Credit Suisse maintained a Buy rating on Bain Capital Specialty Finance (BCSF – Research Report), with a price target of $15.50. The company’s shares closed last Monday at $9.22, close to its 52-week low of $7.12.

According to TipRanks.com, Harter is a 4-star analyst with an average return of 4.1% and a 63.8% success rate. Harter covers the Financial sector, focusing on stocks such as Ellington Residential Mortgage, Essential Properties Realty, and Arlington Asset Investment.

Currently, the analyst consensus on Bain Capital Specialty Finance is a Hold with an average price target of $10.67.

See today’s analyst top recommended stocks >>

Bain Capital Specialty Finance’s market cap is currently $499.5M and has a P/E ratio of 5.10. The company has a Price to Book ratio of 0.49.

Based on the recent corporate insider activity of 10 insiders, corporate

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S&P affirms UK credit rating, cites govt’s coronavirus response | Money

S&P kept the rating at ‘AA', one down from a top-notch score, with a stable outlook. — Reuters pic
S&P kept the rating at ‘AA’, one down from a top-notch score, with a stable outlook. — Reuters pic

LONDON, April 25 ― Ratings agency Standard & Poor’s left Britain’s credit rating unchanged yesterday, citing a swift response from authorities in limiting the economic impact of the coronavirus outbreak.

S&P kept the rating at “AA”, one down from a top-notch score, with a stable outlook. Britain had lost its “AAA” rating shortly after the 2016 Brexit vote.

S&P’s decision contrasted with last month’s downgrade by rival Fitch, which cited an expected surge in debt as the government ramps up spending to offset the near shutdown of the economy. “With their swift and coordinated response to limit the economic impact of Covid-19, the UK government and the (Bank of England) have demonstrated sizable fiscal and monetary flexibility,” S&P said in a statement.

While acknowledging that Britain’s fiscal deficit was likely to

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Personal Banking, Credit Cards, Loans

First Citizens Bank, a division of First-Citizens Bank & Trust Company, Raleigh, NC.

Account openings and credit are subject to Bank approval.

Bank deposit products are offered by First Citizens Bank, Member FDIC, Equal Housing Lender. equal housing lender

Your investments in securities, annuities and insurance are not insured by the FDIC or any other federal government agency and may lose value. They are not a deposit or other obligation of, or guaranteed by any bank or bank affiliate and are subject to investment risks, including possible loss of the principal amount invested. Past performance does not guarantee future results. Brokerage and investment advisory services are offered through First Citizens Investor Services, Inc., Member FINRA, Opens in a new tab/SIPC, Opens in a new tab. First Citizens Asset Management, Inc. provides investment advisory services.

1. Paperless statements are required. To be eligible for Free Checking, you must sign up

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Credit Insurance | FTC Consumer Information

The next time you apply for a mortgage or personal loan, you may be asked if you want to buy credit insurance, or it might already be included in your loan proposal. Credit insurance protects the loan on the chance that you can’t make your payments. Credit insurance usually is optional, which means you don’t have to purchase it from the lender. In fact, the Federal Trade Commission (FTC), the nation’s consumer protection agency, says it’s against the law for a lender to deceptively include credit insurance (or other optional products) in your loan without your knowledge or permission.

There are four main varieties of credit insurance: Credit life insurance pays off all or some of your loan if you die.Credit disability insurance, also known as accident and health insurance, makes payments on the loan if you become ill or injured and can’t work. Involuntary unemployment insurance, also known as

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Find a Credit Union or ATM Near You

For Navy Federal ATMs:

All deposits are subject to Navy Federal’s Funds Availability Policy. The first $200 after a cash or check deposit will be available immediately for cash withdrawals only. The remaining funds will be available by the second business day after the day we receive your deposit. Longer delays may apply in certain situations. Please see the Funds Availability Schedule for full details.

For CO-OP Network® ATMs:

Some deposit limitations apply.

The addresses given for branches are physical locations and may not reflect an accurate local mailing address. Please do not use these addresses to correspond with Navy Federal. Find appropriate mailing addresses here.

Note:

Access to many U.S. military installations has been restricted. Members who are not assigned to or do not work on these installations may not be able to visit an on-site branch or use an on-site ATM. Before visiting, please contact Navy Federal

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The Theory of Money and Credit

Mises wrote this book for the ages, and it remains the most spirited, thorough, and scientifically rigorous treatise on money to ever appear. It made his reputation across Europe and established him as the most important economist of his age.

We think this Mises Institute edition is the most beautiful, by far, of any edition in print. It is the first English edition, complete with an explanatory foreword by Murray Rothbard and a preface by Douglas French. The size, look, and feel are just perfect, at once classic and very modern, in a case-wrapped hardback. And the price beats everything.

This classic treatise on monetary theory remains the definitive book on the foundations of monetary theory, and the first really great integration of microeconomics and macroeconomics. As Rothbard points out in his introduction to “the best book on money ever written,” economists have yet to absorb all its lessons.

Mises

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118 118 Money | Loans and Credit Cards in the UK

118 118 Money | Loans and Credit Cards in the UK
118118Money.com
Representative example: Amount of credit: £1,800 for 24 months. Interest rate: 71.3% pa (fixed). 24 scheduled monthly payments of £142.65. Total amount payable: £3,423.67. Representative 99.9% APR.

Borrow from £1,000 to £5,000 from 12 to 24 months.

118118Money.com

See if you’ll be accepted before you apply.

Check my eligibility This won’t affect your credit score
Representative example: Amount of credit: £1,800 for 24 months. Interest rate: 71.3% pa (fixed). 24 scheduled monthly payments of £142.65. Total amount payable: £3,423.67. Representative 99.9% APR.
118118Money.com
Representative example: Amount of credit: £500. Interest rate: 34.0% pa (variable). Representative 34.0% APR (variable).

Terms and conditions apply. Credit is subject to status.

118118Money.com

£0 Cash Withdrawal Fee
£0 Late Payment Fee
£0 Overlimit Fee
£0 Foreign Transaction Fee
£0 Trailing

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