TL;DR: You can borrow money using your stock as collateral. This is another way to finance a purchase or a backup source of emergency funding. Rates usually float daily, and you usually need at least ~$100k in assets to get this going. Professionals in finance often use a ton of leverage their deals, their strategies, and ultimately their profits. For example, a long/short hedge fund can have aggregate portfolio sizes that are orders of magnitude bigger than the actual margin they need to post (i.e. how much money they put in, their initial cash investment). However, this is not limited to only big companies and the ultra, ultra wealthy! Much…

TL;DR: Rates have fallen Usually mortgage rates follow the 10-year bond rate, which has fallen a lot recently. If you’re fortunate enough to be able to think about this, it may be time to ask for some quotes. Even if mortgage rates haven’t completely kept up with the fall recently, there’s a chance they may in the future, and it may be time to start thinking about that. That’s whether you’re buying or refinancing. Happy Rate’ing, TheJKW

TL;DR: Social distancing is important. This week I’m going to take some time to acknowledge the current state of the world, as states in the US are beginning to shut down. As of this writing, the death rate across the world is 13% (high risk individuals include older folks and those with pre-existing conditions). While the Coronavirus poses a low risk to most of the healthy population, the infection is extremely contagious. Even if you are not at high risk, anyone can be a silent carrier with no symptoms and spread the disease. Please, for the sake of yourself and others, stay home when you can. As for your finances…

TL;DR: Don’t be afraid to ask for $$ back when you want to dispute credit card charges. For the most part, it seems like most cards put 0 liability on consumers for charges they aren’t responsible for. Definitely when there are fraudulent charges, you have to contact your credit card company to help you out. But if you also simply feel like a business short-changed you on some aspect, like if they overcharged for something or promised you a different service, call the company. If they’re no help, you can call your credit card company and sometimes they can dispute it for you. Citi double cash is especially fantastic about…

TL;DR: for your chance to win Presidential candidate Andrew Yang is offering 10 “freedom dividends” paying $1k a month for a year, to promote his UBI agenda. Look, this is not necessarily an endorsement. I’m just saying this guy’s giving out free money. Happy Freedom’ing! TheJKW

TL;DR: A quick $125. This settlement is for anyone affected by the data breach (you probably were). You can first check out if you were affected, then ask a for a check. If you were seriously affected, you can also file claims for losses in time or money. Shout-out to my co-worker DRE for finding this! Happy Settling, TheJKW