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Buy now, pay later services gained much traction during the pandemic. With money tighter than ever for many families, a new report in Bankrate said more than a third of adults in the U.S. have tried buy now, pay later, or BNPL services.They have their benefits, such as low-interest or even interest-free payments.But now we re starting to see potential drawbacks to using these platforms.Counselors warn about the risksCollege financial counselor Lisa Fails educates college students about basic money matters, including the risks of these programs. They want it now, she said, but they may not have that full price, and it s so easy to push that button. A recent Bankrate survey found that 39% of adults have shopped using buy now, pay later services from lenders like PayPal, Affirm, Afterpay or Klarna. They allow you to split purchases into installments with no or minimal interest, unlike a credit card that can charge 20% APR in some cases.A $200 purchase, for example, might be spli
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WASHINGTON 鈥?Congress is moving forward with President Joe Biden s America Rescue Plan, which will include another round of unemployment benefits and stimulus checks. While final details are unclear, with the bill only in the beginning stages of being drafted, $1,400 checks will almost certainly be included. But just because you got a check last time doesn t mean you ll receive a check when this legislation is passed. HISTORY OF CHECKSThe first stimulus check was worth $1,200. The second stimulus check was worth $600. Each time, if you earned $75,000 per year or less $150,000 for couples filing jointly , the IRS deposited the full amount
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stanley cups uk imit, with full checks only going to Americans earning around $50,000 a year or less. During his speech at the White House Friday, Biden spoke of individuals making $30,000 or $50,000. An important detail because he didn t include
stanley quencher the amount of $75,000. WHY REDUCE IT Most people, tallying up all Americans, are earning around $50,000, Kyle Pomerleau, a fellow with the American Enterprise Institute, said. Pomerleau s research indicates around 88% of households would still receive some form of stimulus checks if the threshold is lowered. New economic data has also indicated that Americans making less than $50,000 a year have suffered the most during this pandemic. One thing lawmakers need to think about is the cost, Pomerleau said. WHAT HA
