Latest news with #IntuitCreditKarma
Yahoo
5 days ago
- Business
- Yahoo
Jenius Bank review (2025): Simple online banking with competitive rates and no fees
Summary: Jenius Bank is the digital banking division of SMBC MANUBANK, a California state-chartered commercial bank based in Los Angeles. Jenius Bank offers personal loans and high-yield savings accounts. Jenius Bank offers the following products and services: The Jenius High-Yield Savings Account is currently offering a 4.20% APY — that's more than 10 times the national average for savings accounts. There are no monthly fees or minimum balance requirements for this account and interest is compounded daily. Jenius personal loans start at $5,000 and go up to $50,000 with rates from 8.99% to 23.49%. There are no loan origination fees, prepayment fees, or charges for late or missed payments. Repayment terms for a Jenius personal loan range from 36 months to 72 months. Jenius is not currently accepting personal loan applications on its website. However, you may be able to qualify for a Jenius loan if you apply through Intuit Credit Karma or Lending Tree and meet eligibility embedded content is not available in your region. Jenius Bank does not charge any fees for its savings accounts. Additionally, you will never pay loan origination fees, prepayment fees, late or missed payment fees, transaction fees, and the like as a Jenius customer. Here are some of the major pros and cons of banking with Jenius Bank: Pros: Competitive interest rate for high-yield savings account: Jenius Bank's high-yield savings account offers 4.20% APY, which is one of the highest rates available. No fees or minimum balance requirements: Jenius does not currently charge any fees for its accounts or personal loans. There is also no minimum balance requirement to keep your account open or avoid fees. 24/7 customer service: Jenius bankers are available to chat 24/7. Cons: Limited account options: Jenius only offers savings accounts and personal loans. It does not currently offer checking accounts, money market account accounts, credit cards, or other types of financing. This could be a drawback for customers with more extensive banking needs. No physical branches: Jenius operates online only and does have any physical branches for customers to visit. Certain products are not available in every state: Jenius savings accounts are not available for residents of Hawaii or New Mexico. Additionally, Jenius is not accepting personal loan applications from residents of Hawaii, Nevada, or Wisconsin. Jenius Bank representatives are available to assist customers 24/7 at 844-453-6487. Jenius also has a mobile app available for download on the App Store and Google Play. The app has a rating of 4.3 stars and 3.9 stars, respectively. Customers can use the app to view account balances, transactions, and account details, transfer money between accounts, and more. Yes, Jenius savings deposits are FDIC-insured up to the federal limit of $250,000 per depositor, per ownership category. Jenius Bank's routing number is 122045354. Jenius Bank is the digital division of SMBC MANUBANK, a California state-chartered commercial bank and wholly owned subsidiary of SMBC Americas Holdings, Inc., a member of SMBC Group.
Scotsman
31-05-2025
- Entertainment
- Scotsman
UK Festivals 2025: Five summer festivals that are the best value-for-money in 2025
This article contains affiliate links. We may earn a small commission on items purchased through this article, but that does not affect our editorial judgement. Still considering a festival ticket this year? Take a look at five events considered the best value for money in 2025. Sign up to our daily newsletter Sign up Thank you for signing up! Did you know with a Digital Subscription to Edinburgh News, you can get unlimited access to the website including our premium content, as well as benefiting from fewer ads, loyalty rewards and much more. Learn More Sorry, there seem to be some issues. Please try again later. Submitting... As the 2025 UK summer festival season approaches, research has shown nearly half of music fans are not heading along this year. It comes after a study showed that 35% of those who are going had to put tickets on their credit card. So what festivals in the United Kingdom are, despite their price, value for money in 2025? We are still going through a cost-of-living crisis in 2025, where if many of us are looking to stump up a huge wad of cash for something, you best believe we want our money's worth. Whether it's subscription services, takeaway meals, concerts, or, on this occasion, the hallowed UK music festival; with prices as they are (even on the face value market) and so many options to choose from, you might be wondering where to go or what to do. Advertisement Hide Ad Advertisement Hide Ad A study commissioned by Intuit Credit Karma, which surveyed over 2,000 UK adults between May 13 and 16, 2025, found that over half (61%) of festival-goers believe that soaring ticket prices have gone too far – that's three of the five friends you're at the pub with while reading this. As more people are struggling to pull money together to attend UK festivals, what five are considered the best value-for-money in 2025? | Getty Images/Canva More than 35% of those surveyed admitted that they've dipped into their savings in order to get a festival ticket, while 18% said they put the tickets on their credit card, and only 12% revealed they used payment plans offered by a number of festivals this summer. This has led to the damning statistic from the survey that almost half (49%) of those questioned stated they were attending fewer festivals this year – or worse, none at all. So maybe it would help to know which festival this year is set to give you more bang for your buck? Advertisement Hide Ad Advertisement Hide Ad To determine which festivals offer the best value for money, Credit Karma developed the Festi-Value Index. This index objectively assesses a festival's worth by taking into account the average Spotify monthly plays of its top 50 performing artists and the total number of festival days, then dividing this combined score by the overall ticket cost. So which music festival in 2025, despite its cost, is proving to be worth the hard-earned money forked over? What is the best music festival in the UK for value-for money? 5 - TRNSMT The Kooks will be performing at TRNSMT and Leeds and Reading Festivals before they hit the road for their own headline tour. | Getty Images Rounding out the top five is Glasgow's TRNSMT, a rising star on the festival scene, running from July 11-13. With a weekend ticket priced at £299.00, attendees can catch major acts like 50 Cent, Snow Patrol, and Gracie Abrams. However, prospective attendees should note that TRNSMT is not a camping festival, meaning those travelling from further afield will need to factor in additional accommodation costs for their stay. Advertisement Hide Ad Advertisement Hide Ad Are there still tickets available?: Yes there are - over at Ticketmaster. 4 - Creamfields ANYMA has been announced as one of your headline acts ahead of Creamfields 2025. | Getty Images for Coachella Cheshire-based Creamfields secures fourth place, offering an immersive four-day experience for electronic dance music enthusiasts from August 21-24. Priced at just under £300.00 for a standard weekend camping ticket (£290.00), it provides incredible value for fans of the genre, delivering a jam-packed schedule of world-class electronic artists across its numerous stages. Are there still tickets available?: Indeed there are - over at Ticketmaster. 3 - Reading and Leeds Chappell Roan will be among the headliners at next year's Leeds Festival. The dual-location Reading and Leeds Festivals, held from August 21-24, claim the third spot on the Festi-Value Index. With a weekend camping ticket setting music-lovers back £325.00, the festival justifies its price by delivering exclusive experiences, including a highly anticipated European exclusive show from headliner Travis Scott, alongside performances from breakout pop sensation Chappell Roan, ensuring a dynamic and memorable event. Are there still tickets available?: Currently, yes - over at Ticketmaster. 2 - Isle of Wight Festival Justin Timberlake will headline the 2025 Isle of Wight Festival on the Sunday night | Justin Timberlake will headline the 2025 Isle of Wight Festival on the Sunday night Coming in at a close second for value-for-money is the Isle of Wight Festival, taking place from June 19-22. For a weekend camping ticket priced at £289.95, attendees can enjoy a fantastic array of big names without the heftier price tag of some other major events. This year's line-up includes global stars such as Justin Timberlake, Sting, and Example, offering a diverse and appealing roster for festival-goers. Advertisement Hide Ad Advertisement Hide Ad Are there still tickets available?: Yes there are - once again, over at Ticketmaster. 1 - Glastonbury Singer Charli Xcx missed the mark with this blue suede-looking three piece and strange boots that look like stockings with heels. To be blunt, it looks like she forgot to put on her top and trousers, but for some reason remembered a jacket and a belt . . . why was the belt even needed? (Photo by VALERIE MACON / AFP) / RESTRICTED TO EDITORIAL USE (Photo by VALERIE MACON/AFP via Getty Images) | AFP via Getty Images Securing the coveted top spot in the Festi-Value Index is the iconic Glastonbury Festival, running from June 25-29. Despite a general admission full weekend ticket costing £373.30 (plus fees and postage), its unparalleled value stems from the sheer volume and calibre of artists. This five-day spectacle promises a stellar line-up, with major draws like The 1975, Charli XCX, and Neil Young, ensuring that music-lovers get an extraordinary experience for their investment. Are there still tickets available?: Come on now… Do you think festival and concert ticket prices are becoming too much, and have you seen your festival attendances change over the years with the increase in prices? Let us know your thoughts by leaving a comment down below.
Scotsman
31-05-2025
- Entertainment
- Scotsman
UK Festivals 2025: Five summer festivals that are the best value-for-money in 2025
This article contains affiliate links. We may earn a small commission on items purchased through this article, but that does not affect our editorial judgement. Still considering a festival ticket this year? Take a look at five events considered the best value for money in 2025. Sign up to our Arts and Culture newsletter Sign up Thank you for signing up! Did you know with a Digital Subscription to The Scotsman, you can get unlimited access to the website including our premium content, as well as benefiting from fewer ads, loyalty rewards and much more. Learn More Sorry, there seem to be some issues. Please try again later. Submitting... As the 2025 UK summer festival season approaches, research has shown nearly half of music fans are not heading along this year. It comes after a study showed that 35% of those who are going had to put tickets on their credit card. So what festivals in the United Kingdom are, despite their price, value for money in 2025? We are still going through a cost-of-living crisis in 2025, where if many of us are looking to stump up a huge wad of cash for something, you best believe we want our money's worth. Whether it's subscription services, takeaway meals, concerts, or, on this occasion, the hallowed UK music festival; with prices as they are (even on the face value market) and so many options to choose from, you might be wondering where to go or what to do. Advertisement Hide Ad Advertisement Hide Ad A study commissioned by Intuit Credit Karma, which surveyed over 2,000 UK adults between May 13 and 16, 2025, found that over half (61%) of festival-goers believe that soaring ticket prices have gone too far – that's three of the five friends you're at the pub with while reading this. As more people are struggling to pull money together to attend UK festivals, what five are considered the best value-for-money in 2025? | Getty Images/Canva More than 35% of those surveyed admitted that they've dipped into their savings in order to get a festival ticket, while 18% said they put the tickets on their credit card, and only 12% revealed they used payment plans offered by a number of festivals this summer. This has led to the damning statistic from the survey that almost half (49%) of those questioned stated they were attending fewer festivals this year – or worse, none at all. So maybe it would help to know which festival this year is set to give you more bang for your buck? Advertisement Hide Ad Advertisement Hide Ad To determine which festivals offer the best value for money, Credit Karma developed the Festi-Value Index. This index objectively assesses a festival's worth by taking into account the average Spotify monthly plays of its top 50 performing artists and the total number of festival days, then dividing this combined score by the overall ticket cost. So which music festival in 2025, despite its cost, is proving to be worth the hard-earned money forked over? What is the best music festival in the UK for value-for money? 5 - TRNSMT The Kooks will be performing at TRNSMT and Leeds and Reading Festivals before they hit the road for their own headline tour. | Getty Images Rounding out the top five is Glasgow's TRNSMT, a rising star on the festival scene, running from July 11-13. With a weekend ticket priced at £299.00, attendees can catch major acts like 50 Cent, Snow Patrol, and Gracie Abrams. However, prospective attendees should note that TRNSMT is not a camping festival, meaning those travelling from further afield will need to factor in additional accommodation costs for their stay. Advertisement Hide Ad Advertisement Hide Ad Are there still tickets available?: Yes there are - over at Ticketmaster. 4 - Creamfields ANYMA has been announced as one of your headline acts ahead of Creamfields 2025. | Getty Images for Coachella Cheshire-based Creamfields secures fourth place, offering an immersive four-day experience for electronic dance music enthusiasts from August 21-24. Priced at just under £300.00 for a standard weekend camping ticket (£290.00), it provides incredible value for fans of the genre, delivering a jam-packed schedule of world-class electronic artists across its numerous stages. Are there still tickets available?: Indeed there are - over at Ticketmaster. 3 - Reading and Leeds Chappell Roan will be among the headliners at next year's Leeds Festival. The dual-location Reading and Leeds Festivals, held from August 21-24, claim the third spot on the Festi-Value Index. With a weekend camping ticket setting music-lovers back £325.00, the festival justifies its price by delivering exclusive experiences, including a highly anticipated European exclusive show from headliner Travis Scott, alongside performances from breakout pop sensation Chappell Roan, ensuring a dynamic and memorable event. Are there still tickets available?: Currently, yes - over at Ticketmaster. 2 - Isle of Wight Festival Justin Timberlake will headline the 2025 Isle of Wight Festival on the Sunday night | Justin Timberlake will headline the 2025 Isle of Wight Festival on the Sunday night Coming in at a close second for value-for-money is the Isle of Wight Festival, taking place from June 19-22. For a weekend camping ticket priced at £289.95, attendees can enjoy a fantastic array of big names without the heftier price tag of some other major events. This year's line-up includes global stars such as Justin Timberlake, Sting, and Example, offering a diverse and appealing roster for festival-goers. Advertisement Hide Ad Advertisement Hide Ad Are there still tickets available?: Yes there are - once again, over at Ticketmaster. 1 - Glastonbury Singer Charli Xcx missed the mark with this blue suede-looking three piece and strange boots that look like stockings with heels. To be blunt, it looks like she forgot to put on her top and trousers, but for some reason remembered a jacket and a belt . . . why was the belt even needed? (Photo by VALERIE MACON / AFP) / RESTRICTED TO EDITORIAL USE (Photo by VALERIE MACON/AFP via Getty Images) | AFP via Getty Images Securing the coveted top spot in the Festi-Value Index is the iconic Glastonbury Festival, running from June 25-29. Despite a general admission full weekend ticket costing £373.30 (plus fees and postage), its unparalleled value stems from the sheer volume and calibre of artists. This five-day spectacle promises a stellar line-up, with major draws like The 1975, Charli XCX, and Neil Young, ensuring that music-lovers get an extraordinary experience for their investment. Are there still tickets available?: Come on now…
CNBC
19-05-2025
- Business
- CNBC
Trade tensions drive consumers to cut back. 'Something has to give,' analyst says
After a bout of panic buying, more consumers are prepared to rein in their spending and live with less, recent studies show. Even President Donald Trump suggested that Americans should be comfortable with fewer things. "[Americans] don't need to have 250 pencils," Trump said on NBC News' "Meet the Press." "They can have five." According to a study by Intuit Credit Karma, 83% of consumers said that if their financial situation worsens in the coming months, they will strongly consider cutting back on their non-essential purchases. Over half of adults, or 54%, said they'll spend less on travel, dining or live entertainment this year, compared to last year, a new report by Bankrate also found. The site polled nearly 2,500 people in April. "Moving forward, people may not be able to absorb these higher prices," said Ted Rossman, Bankrate's senior industry analyst. "It sort of feels like something has to give." More from Personal Finance:How to save on your grocery billAfter UK, China trade deals, tariff rate still highest since 1934Stagflation is a looming economic risk While many Americans are concerned about the effect of on-again, off-again tariff policies, few have changed their spending habits yet. Up until now, that is what has helped the U.S. avoid a recession. Because it represents a significant portion of Gross Domestic Product and fuels economic growth, consumer spending is considered the backbone of the economy. "Consumers are still spending despite widespread pessimism fueled by rising tariffs," said Jack Kleinhenz, chief economist of the National Retail Federation. "While tariffs may have weighed on spending decisions, growth is coming at a moderate pace and consumer spending remains steady, reflecting a resilient economy." However, now the economy is "at a pivot point," according to Kleinhenz. "Hiring, unemployment, spending and inflation data continue in the right direction, but at a slower pace," Kleinhenz said in a recent statement. "Everyone is worried, and a lot of people have recession on their minds." Trump's tariffs jump started a wave of declining sentiment, which plays a big part in determining how much consumers are willing to spend. "Any time there is this much uncertainty, people tend to get a little more cautious," said Matt Schulz, chief credit analyst at LendingTree. The Conference Boards' expectations index, which measures consumers' short-term outlook, plunged to its lowest level since 2011. The University of Michigan's consumer survey also showed sentiment sank to the lowest reading since June 2022 and the second lowest in the survey's history going back to 1952. "The cumulative effects of inflation and high interest rates have been straining households, contributing to record levels of credit card debt and causing consumer sentiment to plummet," Rossman said. Tack on the Trump administration's resumption of collection efforts on defaulted federal student loans and many Americans, who are already under pressure, will suddenly have less money in their pockets. As it stands, roughly half — 47% — of U.S. adults would not consider themselves financially prepared for a sudden job loss or lack of income, according to recent data from TD Bank's financial preparedness report, which polled more than 5,000 people earlier this year. Another 44% of Americans said they think about their financial preparedness every single day.
NBC News
09-05-2025
- Business
- NBC News
No buy, low buy, slow buy: How many consumers are preparing for an economic hit
Americans have been worried about being able to maintain their standard of living since inflation first began to spike in 2021. With renewed cost concerns after President Donald Trump implemented his tariff agenda, many people are prepared to do something about it. A whopping 83% of consumers said that if their financial situation worsens in the coming months, they will strongly consider cutting back on their non-essential spending, according to a new study by Intuit Credit Karma, which polled more than 2,000 U.S. adults in April. On TikTok, money saving hacks, with hashtags such as no buy, slow buy, low buy and underconsumption, have skyrocketed in popularity, especially among young adults. All are aimed at making the most of what you already have and resisting the temptation to buy more stuff, or even anything at all. How no buy, low buy and slow buy challenges work 'No buy 2025' encourages shoppers to cut out all non-essential purchases for the year, including clothing, books, electronics and entertainment. Alternatively, low buy and slow buy advocate for a more mindful approach to buying decisions, such as following ' the 48-hour rule ' before making any discretionary purchases and limiting purchases altogether. The goal is to break the habit of overspending — or ' doom spending ' — as fears of a recession rise. Recent data from H&R Block's Spruce also found that 68% of Generation Z consumers reported being influenced by social media finance trends, with over one-third of them looking specifically to social media for financial knowledge. (America's young adults are also increasingly turning to social media to express their financial dissatisfaction, making a joke of so-called recession indicators.) Why savings challenges are so popular To be sure, Americans are feeling the pain of higher prices, with various reports showing many have exhausted their savings and have been leaning on credit cards to make ends meet. With sweeping U.S. tariffs now going into effect, concern is heightened about the rising cost of goods and making ends meet, especially as the economy shows signs of contracting. 'Consumers are going to have to pay for the increase in prices these tariffs are going to cause and there is no way around it,' said Eugenio Aleman, chief economist at Raymond James. 'The alternative is to reduce consumption, especially in discretionary items.' A survey by Gallup last month found that inflation, housing costs and lack of money are the most commonly cited financial challenges by U.S. adults. According to the poll, which was conducted during a period of extreme market volatility after the Trump administration announced new tariffs on most U.S. trading partners, a record 53% of consumers said their financial situation was getting worse, while just 38% said it was getting better. Additionally, 57% worried about not being able to maintain their standard of living. A separate report by Bankrate found that 43% of adults said money now negatively affects their mental health, at least occasionally, causing anxiety, stress, worrisome thoughts, loss of sleep and depression. 'Tariffs, inflation, higher interest rates and a recession are all forces that Americans can't prevent, no matter how much they want to,' Sarah Foster, Bankrate's economic analyst, said in an email. 'Taking proactive steps to manage your finances can provide a sense of stability and security.' A better way to improve your finances Financial experts say TikTok's latest microtrends can provide a short-term boost to help reach some savings goals, however, there is no substitute for practicing good long-term habits. 'Ignore what others are doing with their money,' said Daniel Milan, managing partner of Cornerstone Financial Services in Southfield, Michigan. 'That to me is a very foundational tenet for any household.' Milan says financial planning starts with a budget. 'People don't like that word,' he said. But rather than jumping on the latest TikTok trend, 'sit down and pencil out what you actually are spending.' Milan recommends flagging excess expenses that can be cut, considering which are 'wants' or 'needs.' Milan says he did this himself at the start of the year after getting married, and was able to cut out some recurring bills as well as subscription services that overlapped with his wife's — to the tune of $800 a month. 'That type of exercise can be extraordinarily powerful from a cash flow perspective,' he said.
