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What to know about point-of-sale lenders, like Affirm and QuadPay


POS loans have become increasingly popular for people strapped for cash during the pandemic. 
These short-term loans may be beneficial for consumers buying large items.
The concept of buy now, pay later has long had appeal. Credit cards make it easy.
But increasingly, people are choosing alternative point-of-sale (POS) lenders to fill that financial gap. More than 40% of American shoppers have used a buy-now-pay-later plan, according to Credit Karma/Qualtrics.
A POS loan is essentially the opposite of layaway. With layaway, you pay for your item over time and then take it home when you ve cleared your bill. 
Popular Articles ....

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How much do you have to make to file taxes? Here's who pays income tax


The large percentage of people who don t owe federal income tax is a feature, not a bug, of the revenue code, write the Tax Policy Center s Philip Stallworth and Daniel Berger. By design, the federal income tax always has excluded a significant fraction of households through a combination of personal exemptions, the standard deduction, zero bracket amounts, and more recently, tax credits.
According to the Tax Policy Center s 2018 estimation, nearly 99 million Americans were expected to file a tax return in 2020. That figure may increase due to the pandemic, however, since people are being asked to file a tax return to claim unpaid stimulus checks, even if they aren t required to based on income. ....

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Is the 20% down payment rule dead? Realtors, millennials say yes


Would-be homebuyers are finding it can take years to save a full 20% down payment, especially for anyone living near a big city, where real-estate prices are soaring. According to Zillow, the typical home value in Los Angeles is $794,935. You d have to save $158,987 to place 20% down.
And for many millennials in particular, it s just not feasible. A survey of 1,000 Americans planning to buy a home in 2020 by the real-estate listing site Clever found that 70% of millennials planned to put down less than 20%. Twenty-seven percent planned to put down less than 10% on their home purchase. Survey data from the National Association of Realtors found that 73% of Americans who bought a home in November put down less than 20%. ....

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The best cheap car insurance in South Carolina


The best cheap car insurance in South Carolina
f11 photo/Shutterstock
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The average South Carolina driver spends about $1,022 per year on
car insurance
, according to the Insurance Information Institute.
As you re shopping for car insurance coverage, you might notice that prices vary widely. Each car insurance company prices its premiums differently, weighing a variety of factors that influence your cost of coverage. Things like your age, gender, years of driving experience, and more can all influence the price you ll pay for coverage.  ....

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