Latest news with #Rachel Cruze
Yahoo
2 days ago
- Business
- Yahoo
3 Things We Pay for That Used To Be Free, According to Rachel Cruze
There was a time when certain everyday conveniences didn't come with a price tag. Personal finance expert Rachel Cruze points out how many of the things we used to enjoy for free have slowly turned into regular expenses in a recent Ramsey Solutions video. Trending Now: Read Next: From water to directory assistance, here are the things we're now paying for that once cost nothing. Water Restaurants used to bring a complimentary glass of water for each person at the table before the meal started. Now a customer has to ask for water, and if they don't specify tap water, they may be served bottled water, which comes with a fee. Customers can request a complimentary pitcher of water or ice water for the table, so there's plenty of water for all, per Food & Wine. Find Out: Internet News There was a time when catching up on the news online was free. But now, when reading some news sources online, there is only a portion that the viewer is able to read before hitting a paywall. Then, to finish reading the article, the viewer has to subscribe and pay a fee. Some search engines like Google or Yahoo still provide access to free news, but combining that with the news on several free streaming channels may be one of the only ways to stay informed without paying for it. These streaming channels offer free news with commercials: Haystack News, Sling Freestream, Zeam, Local Now, Very Local, Pluto TV, Tubi, Fox Local, Plex and NewsNation. Directory Assistance Remember when finding a phone number was easy? Dialing 411 for information could connect the caller with someone who could look up any phone number quickly. Today, Horizon charges $1.99 for that same service. Using Google or another search engine to look for a phone number is still a free way to search. More From GOBankingRates 3 Luxury SUVs That Will Have Massive Price Drops in Summer 2025 7 Tax Loopholes the Rich Use To Pay Less and Build More Wealth Here's the Minimum Salary Required To Be Considered Upper Class in 2025 This article originally appeared on 3 Things We Pay for That Used To Be Free, According to Rachel Cruze
Yahoo
7 days ago
- Business
- Yahoo
Rachel Cruze Says This Is the Only Thing People Don't Like To Buy on Sale — but They Should Anyway
It's very common for people to feel anxious or worried when there is significant economic uncertainty. In 2025, there has been economic turbulence, constant news about tariffs and concerns about inflation. As a result, the stock market has experienced several days with significant dips, most notably in April when ABC News reported the Dow dropped 2,230 points. Rachel Cruze, a bestselling author and a Ramsey personality, recently posted a video on her YouTube channel reassuring those who feel worried during market volatility. She explained that these downturns are actually an opportunity. In fact, she encouraged her listeners to think of a stock market dip as stocks 'going on sale,' noting that savvy investors should take advantage of it. Read Next: Explore More: Cruze reminded her listeners that investing in the stock market is about long-term gains and that it's normal for there to be fluctuations. Here are some more highlights and tips from Cruze's video that can help people feel more confident about investing during challenging times. Being Nervous About Investing Is Normal A recent Gallup poll revealed that 60% of investors are concerned about market volatility. Not only that, but 73% of them believe that the turbulence will continue this year. This shows that many people don't feel confident about the state of the market and that worries about investing are normal. Cruze acknowledged that it's normal to be worried about stock market dips or volatility. 'But remember, investing in the stock market is a long-term strategy … Over time, the American economy still trends upward, okay? Now, again, it's going to take some dips and turns every now and then, but you want to stay put,' she said. Find Out: Think of Historical Returns In her video, Cruze explained that historically, the stock market has returned 11.8% annually. J.P. Morgan Wealth Management reported a similar statistic, noting that over the last eight years, the market has returned over 11%. So for people who are worried about losing money, it helps to know that data shows investing for the long term yields positive results. Although some years will be more volatile, there will also be years when the market does extremely well. Averaged together, over time, research shows investors will see a return on investment provided they are properly diversified. Get Support Cruze encouraged her listeners to consult a financial professional if they have questions. Remember that sensational headlines sell. However, negative news can also cause panic and worry among investors. The reality is that the market will fluctuate over time, and when it drops, it could be a good time to buy. More From GOBankingRates These Cars May Seem Expensive, but They Rarely Need Repairs This article originally appeared on Rachel Cruze Says This Is the Only Thing People Don't Like To Buy on Sale — but They Should Anyway
Yahoo
26-07-2025
- Automotive
- Yahoo
6 Biggest Money Mistakes When Buying a Car, According To ‘The Car Mom' and Rachel Cruze
Buying a car, whether it's a first set of wheels or the latest in a long line of vehicles, can feel like navigating a financial minefield. In a recent YouTube video, personal finance expert Rachel Cruze sat down with Kelly Stumpe, better known as 'The Car Mom,' to discuss some major mistakes people make when they're buying a car. Read More: Learn More: Recognizing these six mistakes upfront can help make car buying smarter and less costly. Test Driving Too Soon One of the first red flags is walking into a dealership before being ready to buy. According to Stumpe, buyers often go in with no intention of purchasing and walk out with a new car because they got swept up in the sales experience. Her advice is don't bring a trade-in, don't bring a partner, and don't test drive until the budget and plan are locked in. People need to have that 'Walk away, I need to think about it' feeling, she explained. Car dealerships can often instill a sense of urgency to try to get people to buy, but thinking about the purchase ahead of time is beneficial. 'Remember that you are the one with the final say, always. If you're feeling steamrolled, don't be afraid to walk away,' Carol Pope, a staff writer and car insurance agent, told LendingTree. Be Aware: Letting Emotions Drive the Decision Cruze and Stumpe also warned against letting emotions override logic. A high monthly payment might feel justifiable at first when the car is new and exciting. But several years down the line, when the car is scratched, stained and no longer fun to drive, that same car payment can start to sting. Failing To Forecast Ownership Needs A car that works today may not work two or three years from now. Stumpe told buyers — especially parents — to think ahead. Family size, lifestyle and cargo space needs often change before the loan is even halfway repaid. Buyers who ignore that risk may end up in a vehicle that no longer fits and a loan they can't easily escape. Letting the Dealership Set the Budget In another YouTube video, Stumpe shared how often buyers let the dealership define what's affordable. She recommended flipping the process: decide on a payment first, then use a calculator to work backward and determine the actual vehicle price. When setting your budget, U.S. News & World Report suggested finding a car where your monthly payment won't be more than 10% of your take-home pay. Skipping Salesperson Research Stumpe also recommended buyers research the salesperson, not just the dealership. Instead of leaving it to chance, finding highly reviewed individuals in advance can make a big difference in avoiding pressure, upsells and financial missteps. For women especially, choosing who to work with can makes a big difference in feeling confident and respected during the process. Not Having an Exit Plan Long-term financing has become the norm, with many buyers opting for 72- or even 84-month loans. But most people want a new car well before that term ends. Stumpe cautioned that without an exit strategy — whether it's passing the car to a partner, selling privately or trading in — buyers often end up owing more on their car than the car is actually worth. More From GOBankingRates 10 Cars That Outlast the Average Vehicle This article originally appeared on 6 Biggest Money Mistakes When Buying a Car, According To 'The Car Mom' and Rachel Cruze
