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HeyJared

Rebecca Safier

Reporter

Indexed articles, last 90 days
9
Latest publication
Sep 15, 2026
Outlet visibility, for yahoo.com
Top 1K sites
Earliest in this view
Jul 15, 2026

Latest articles

  1. Article · Sep 15, 2026 · Rebecca Safier

    What is debt settlement? How it works and what it costs you. (opens the original)

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    Some offers on this page are from advertisers who pay us, which may affect which products we write about, but not our recommendations. See our Advertiser Disclosure. Debt settlement is a debt relief strategy where you negotiate with creditors to pay less than the full amount you owe, often through a lump-sum payment. In some cases, a creditor will accept as little as 50% of your balance. A successful debt settlement has the potential to save you money and get you out of debt, but it comes with s

  2. Article · Sep 14, 2026 · Rebecca Safier

    Debt settlement vs. bankruptcy: How to choose (opens the original)

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    Some offers on this page are from advertisers who pay us, which may affect which products we write about, but not our recommendations. See our Advertiser Disclosure. Debt settlement negotiates a reduced payoff with creditors, while bankruptcy is a court process that discharges or restructures debt. Both damage your credit and are generally last-resort strategies when you owe more than you can realistically repay. Debt settlement may be the better path if you can afford some payments toward your

  3. Article · Sep 11, 2026 · Rebecca Safier

    Debt settlement vs. debt consolidation: Which is right for you? (opens the original)

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    Some offers on this page are from advertisers who pay us, which may affect which products we write about, but not our recommendations. See our Advertiser Disclosure. Debt consolidation combines multiple debts into one loan, usually at a lower interest rate, and you repay the full balance. Debt settlement involves negotiating with creditors to pay less than you owe, but it damages your credit and isn't guaranteed to work. Understanding how both options work can help you determine which would bett

  4. Article · Sep 6, 2026 · By Rebecca Safier, Special to USA TODAY

    Fixed-Rate vs. Adjustable-Rate Mortgages: What’s the Difference? (opens the original)

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    Choosing a mortgage may be the biggest financial decision you’ll make in your lifetime. The type of home loan you select can influence your monthly payments, long-term borrowing costs and overall financial flexibility. The two main options are fixed-rate mortgages and adjustable-rate mortgages (ARMs). A fixed-rate mortgage has an interest rate that stays the same over the life of the loan, while the rate on an ARM often starts lower but can increase over time. Understanding fixed-rate vs. adjust

  5. Article · Aug 24, 2026 · By Rebecca Safier, Special to USA TODAY

    How a Fixed-Rate Mortgage Works and When It Makes Sense (opens the original)

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    Buying a home often starts with choosing the right mortgage. Fixed-rate mortgages are the most popular option, historically accounting for the vast majority of home loans. With this type of mortgage, your interest rate stays the same for the entire loan term, making your principal and interest payments predictable. Your monthly payments will stay mostly predictable, though you may have slight changes due to costs like property taxes and homeowners insurance. This stability can make it easier to

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