6 Methods to Use Your Cash Now That Pupil Mortgage Forbearance Is Prolonged Till February

  • The federal government has extended the deferral of student loans until January 31, 2022.
  • Even if it isn’t required, you may want to keep paying back your student debt.
  • You might also consider putting money in your emergency fund or saving for retirement.
  • Read more about Insider Loans for Student Loans here.

The Biden Administration announced last week that the government’s coronavirus-induced leniency on federal student loans will continue through January 31, 2022. Administrative officials say this will be the last time the payment break will be extended.

For borrowers who were unwilling to resume payments in late September when payments were supposed to resume earlier, the news is a welcome relief. Now that you have four more months before you need to start paying off your student loan, you have several options to make the most of your extra time.

1. Keep paying back your student loans

Maybe you want to keep Make payments for student loans if your finances have not been adversely affected by the COVID-19 pandemic.

Usually, when you repay your loans, you will have to pay the loan amount and interest. Since you will not be charged any interest in the next few months, your payments flow in full towards the loan principle. This could be a unique opportunity to settle your balance faster and pay less total interest.

You will also build a good habit of making consistent payments and keeping track of your financial obligations. This habit can help you avoid late or missed payments that can affect your creditworthiness.

2. Deposit into a high-yield savings account for a one-time payment

With a high-yielding savings account, you can keep your money safe with guaranteed returns. Most of the above

high yield savings accounts
today pay an interest rate of around 0.50%, which is compounded daily and paid out monthly.

You can create an account aimed at saving for your student loan debt and set aside a certain amount of each paycheck. If you have a high-yield savings account with buckets, such as one with Ally, you can set a goal of how much you want to save by a certain deadline.

Using a high yield savings account can be more beneficial than just monthly payments because your money can grow and you can withdraw it if you need cash in an emergency. You can also add all interest to your debt.

Your money will grow slowly with each contribution and is easily accessible. When payments resume in February, you can use the money you deposited in the account with a lump sum for your student loan.

3. Pay off high-yield debt

Interrupting payments on student loans can give you the opportunity to pay off high-interest debt such as credit cards and personal loans, which can sometimes come with an APR in excess of 30%. These interest rates are often higher than the student loan interest rates, so you can focus on these instead to save money.

Take stock of your debts and consider whether or not you have that Avalanche of debt or snowball Strategies. The debt avalanche strategy focuses on paying off the balance of your highest interest debt first, while the debt snowball strategy focuses on paying off the smallest debts first.

4. Build an emergency fund

An emergency fund provides a safety net for unexpected expenses such as house and car repairs, medical bills, and defective electronics. It can also protect you if you lose your job. An emergency fund usually covers three to six months of expenses.

If you don’t have an emergency fund, or it’s smaller than you’d like, now may be a good time to top it up. Instead of making monthly contributions to your student loan, you can divert the money you wanted to pay – at least your minimum monthly loan payment – into your emergency fund.

When the student loan payments resume, you will have a nest egg to protect you from financial emergencies.

5. Invest money for retirement

Once you’ve built an emergency fund and are happy with how much you’re adding to your student loan debt, you may want to start investing money for retirement. The sooner you save for retirement, the more time your money has to grow.

You can put money into an employer-sponsored 401 (k) and often your contributions will be adjusted up to a certain percentage, which is essentially “free money”. You can turn your money into one too Roth IRA or a traditional IRA.

6. Invest in the market

Make sure that all of your other financial goals are in order before you prioritize investments. Investments are not guaranteed by the FDIC, so it is possible to lose money in the market.

This is the riskiest choice of all the options listed, but it also has the potential for the highest return on your money. If you are a beginner and want to learn how to invest in stocks outside of your retirement account, check out our guide.

Extending student loan deferrals by several months gives you time to advance your loan payments or build a safety net elsewhere. Prioritize your financial goals and invest money in the ones that matter most to you.

Junior credit reporter

February jobs report could trigger ‘tsunami of promoting’

CNBC’s Jim Cramer said he was encouraged by the trading activity he saw in technology and growth stocks as the market continued to grapple with fears that inflation would rise on Friday.

He cautioned, however, that investors should be prepared for how the market might react to the February work report due out late next week.

“If we get any strength here, please be prepared for another tsunami of sales as interest rates rise and stocks fall.”Bad money“The host predicted that a major interest rate measure would skyrocket in the bond market.” Without an ugly set of numbers, growth stocks are in trouble. “

Cramer commented after the market closed lower for the second straight week as the bond sale turned into stocks.

The Dow Jones industry average fell nearly 470 points on Friday, falling 1.5% to 30,932.37. The index also ended the week down 1.78%.

The S&P 500 declined 0.48% to 3,811.15, down 2.45% this week.

Despite the daily closing, the tech heavy rose by 0.56% Nasdaq Composite suffered the most this week after falling nearly 5% to 13,192,345. Friday’s surge was due to a rebound in big tech stocks.

“I don’t know if the growth names can withstand the pain, but today’s meeting gave us a glimmer of hope that they can still make some profit amid inflation fears,” said Cramer. “If you don’t like the pain … you might want to take advantage of moments like this on the Nasdaq, take profits and prepare for a Friday swoon and be ready to buy stocks like Costco.”

The US Treasury’s 10-year return, a key metric in consumer credit interest rates, fell nearly 1.4% on Friday, after surpassing 1.6% the previous day for the first time in about a year. The increase was due to the sale of bonds.

If rates fall, major industrials will lose momentum, as seen in the Dow’s fall, but cloud, semiconductor and cybersecurity stocks have been positive, Cramer said.

Bond investors who cut their holdings are betting that the Federal Reserve could change their minds and raise the policy rate from near zero when the economy recovers from the pandemic-triggered recession, he added.

“Inflation is a nightmare for people who own bonds. Who wants a piece of paper that pays 1.5% when inflation could break 2%? They lose every day,” Cramer said. “That’s why these people dumped bonds and their wholesale sales always shatter the stock market.”

Cramer announced his schedule for the coming week. The earnings per share forecasts are based on FactSet estimates:

Monday: Zoom video, lemonade

Zoom video

  • Q4 2021 Results publication: After Market; Conference call: 5 p.m.
  • Projected EPS: 81 cents
  • Estimated Revenue: $ 910 million


  • Publication of results for the fourth quarter: after market entry; Conference call: 8 a.m.
  • Estimated losses per share: 64 cents
  • Estimated Revenue: $ 19.2 million

Tuesday: Destination, Nordstrom


  • Q4 results published: before the market; Conference call: 9 a.m.
  • Projected earnings per share: $ 2.54
  • Estimated Revenue: $ 27.4 billion


  • Publication of results for the fourth quarter: after market entry; Conference call: 4:45 p.m.
  • Projected EPS: 14 cents
  • Estimated Revenue: $ 3.58 billion

Wednesday: Dollar Tree, Wendy’s, American Eagle Outfitters

Money tree

  • Q4 results published: before the market; Conference call: 9 a.m.
  • Projected earnings per share: $ 2.12
  • Estimated Revenue: $ 6.8 billion


  • Q4 results published: before the market; Conference call: 8:30 a.m.
  • Projected EPS: 18 cents
  • Estimated Revenue: $ 477 million

American Eagle Outfitter

  • Fourth quarter results to be published: 4:15 pm; Conference call: 4:30 p.m.
  • Projected EPS: 36 cents
  • Estimated Revenue: $ 1.28 billion


  • Publication of results for the fourth quarter: after market entry; Conference call: 5 p.m.
  • Estimated losses per share: 16 cents
  • Estimated Revenue: $ 332 million

Thursday: Kroger, Costco


  • Q4 results published: before the market; Conference call: 10 a.m.
  • Projected EPS: 69 cents
  • Estimated Revenue: $ 30.86 billion


  • Q2 2021 results to be published: 4:15 p.m.; Conference call: 5 p.m.
  • Projected earnings per share: $ 2.44
  • Estimated Revenue: $ 43.72 billion

Disclosure: Cramer’s charitable foundation owns shares in Costco.

Disclaimer of liability

Questions for Cramer?
Call Cramer at 1-800-743-CNBC

Would you like to dive deep into Cramer’s world? Open it up!
Mad Money Twitter – – Jim Cramer Twitter – – Facebook – – Instagram

Questions, comments, suggestions for the Mad Money website? madcap@cnbc.com

Correction: This article has been updated to accurately reflect that projected revenue for Zoom Video is $ 910 million and projected revenue for Lemonade is $ 19.2 million. An earlier version of this story gave an incorrect projection for both of them.

Native beers are featured on Elevate a Glass, Quarantine-Model on February 25

by Contributed content on February 24, 2021

The theme for the virtual beer tasting in February is “local love”. Let’s meet on Thursday, February 25th from 5.30pm to 6.30pm to have a few snacks, beer stories and fun. Register online.

The beers:
Trumer Pilsner (Berkeley)
Original pattern (Oakland) Current surrender – pissed off
Sonoma Springs Bikini Bottom – Belgian blonde ale
Gilman Brewing Frog on Juicy IPA bike
Strike Brewing Triple Play (San Jose) – Triple IPA

If you’d like to join in, you can pick up this month’s offer at Willows Market in Menlo Park. Feel free to choose from the category if you can’t find the specific beer.

As always, you can try with us or just have fun and talk with us.

Image courtesy of mybeerbuzz.com

February 11 Arts and Leisure Supply: Actions – Instances-Herald

Thursday: The Benicia Historical Museum is holding a White Camel Sale from 12 noon to 3 pm, Charles P. Stone Hall from 12 noon to 3 pm. More information is available at beniciahistoricalmuseum.org.

13th February: CANCELED. Con Funk Shun, streamed live from the Downtown Theater, Fairfield, 6:30 p.m., ftpresent.com.

February 12-14: Jim Brickman in “Share the Love, LIVE! Handy “Friday 6pm, Saturday 4pm and 7pm, Sunday 4pm and 7pm Live Streaming Concert, Early Bird USD 40 or USD 50 after February 1st. A portion of the proceeds will go to the Vacaville Performing Arts Theater. Visit jimbrickman.com.

14th of February: “Fall in Love with the Blues,” Empress Theater’s 109th Anniversary with Alvon Johnson streamed live, 7:30 pm, $ 9, empresstheatre.org.

27th of February: Jackie Greene Quartet streamed live from the Downtown Theater in Fairfield. For information, ftpresent.com.

March 18th: Frozen Jr., Vacaville Performing Arts Theater, 1010 Ulatis Ave., Vacaville, vpat.net.

March 21st: Postponed until March 2022. A conversation with Amy Tan, 2pm, Vacaville Performing Arts Theater, 1010 Ulatis Ave., Vacaville, vpat.net.

March 24th: Menopause, The Musical, Vacaville Performing Arts Theater, vpat.net.

May 21: The Selena Experience – Los Chicos del 512, Vacaville Performing Arts Theater, 1010 Ulatis Ave., Vacaville, vpat.net.

Note: COVID-19 changes events frequently. Please check the relevant websites or Facebook pages.

RibCrib provides household packs for February | Leisure

This brindle beauty is more than ready to flee the animal shelter to a loving nursing home or home forever. She dreams of a life full of comfort, snacks and love from her human family. At the shelter she has become a favorite of the employees and can often be spotted on a walk in our field. She tries to squeeze herself into a lap while the staff work on the computer or demonstrate their training skills in the yard!

Elaine has the petite back end, the deep chest and the energy typical of a boxer! She says the Libra lies and often huddles in a basket, bed, or human lap that is large for a dog much smaller than her. Their funny antics are sure to make every family laugh. She enjoys running, jumping, and lounging in the pool! She’s so excited to be with her people that she’ll jump high in the air to kiss your face! While many think it’s adorable, it would probably be too much for young children.

Elaine can be quite vocal when she is initially alone in her kennel. She loves her people and doesn’t want to see them go. Because of this, residential homes may not go well together. Your new family needs to take some time off so they can feel comfortable in their new home before leaving them alone. Our TSPCA trainer can explain how to prepare sweet Elaine for success!

Elaine has gone to dog parks and done well but can be a bit overwhelming so she needs a tolerable or gentle canine sibling in a home. We also believe she would be more than happy to be a pampered dog!

Elaine is a boxer mix. She is around 2 years old and weighs 45 pounds. She has been spayed, vaccinated, tested for heartworms (negative), microchipped and is currently in the field of parasite prevention.


The Tulsa SPCA is currently only operational by appointment.

• Visit tulsaspca.org/adoptable-dogs. Click on their profile and use the orange “Interested in this animal? Click here!” Apply button to apply.

• If approved, we will contact you to finalize the paperwork, collect payment, and schedule an appointment for your drive-through adoption.

• Please stay home if you feel unwell, especially if you have symptoms of fever, cough or sore throat.

All available Tulsa SPCA pets can be viewed at tulsaspca.org.

February 2021 OCB DARTS Eating Arts and Leisure information accessible now

The latest edition of our popular monthly local guide is out now – ours February 2021 Guide to Arts and Entertainment (OCB DARTS).

Printed copies are Not available as – despite the repeal of the state-imposed stay-at-home order – all of our usual sales locations will remain closed due to the COVID-19 lockdown. However, we encourage you to download your own free printable copy of our website February 2021 Guide to Arts and Entertainment (OCB DARTS).

Think of logging in as a DARTS champion by Patreon. All DARTS champions will receive their copy of our monthly DARTS from premium USPS in the mail as soon as we have received the printed copies from our printer … as soon as we start printing the DARTS again.

From the front page to the back eight pages Our February arts and entertainment guide will help you pass the time until we’re all vaccinated.

Side two has the beginning of the list of events as well as a number of outdoor theater concerts.

Page three The list of events continues, plus a promotion for the Cypress Chamber of Commerce’s networking breakfast in February 2021 and the reopening of outdoor exhibits at the Aquarium of the Pacific.

Page four contains further event lists as well as an invitation to support the Los Alamitos Education Foundation (LAEF).

Page five Closes the list of events and announces Valentine’s Day virtual wedding ceremonies from the Orange County Clerk Recorder.

Page Six Trumpets from this year’s Cypress College Foundation Americana Awards Gala, online but still wasteful!

Pages seven and eight Hold puzzles for the first week of February 2021.

Our daily list of local events is short because many annual events are canceled or postponed. (We’d say thank you if a short DARTS turns into a historical artifact by Easter Sunday! But nobody really knows!) Check out our AWESOME Community Calendar for personal and virtual local events online.

We recommend you download the February 2021 DARTS and let us know what you think!

Remember Us When Having Fun!

If you’re going to an event you read about in OCB DARTS, get in touch!

Advertisement in the OCB DARTS Dining Arts and Entertainment Guide

Interested in advertising in DARTS?

Our current media kit provides information on pricing or you can email [email protected] with questions.

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Rooster Soup for the Soul Leisure Pronounces Timing of Common Month-to-month Dividend for February 2021 for Sequence A Cumulative Redeemable Perpetual Most well-liked Inventory

COS COB, Conn., January 19, 2021 (GLOBE NEWSWIRE) – Chicken soup for Soul Entertainment Inc. (Nasdaq: CSSE, CSSEP, CSSEN), one of the largest operators of streaming advertising-supported video-on-demand (“AVOD” ) Networks today announced the date to pay their declared regular monthly dividend of $ 0.2031 per share of their accumulated redeemable Series A perpetual preferred stock for February 2021. The dividend will be paid to holders on February 15, 2021 As of the record as of January 31, 2021. The dividend will be paid in cash.


Chicken Soup for Soul Entertainment, Inc. (Nasdaq: CSSE) operates streaming video-on-demand (VOD) networks. The company owns Crackle Plus, which owns and operates a variety of ad-supported and subscription-based VoD networks, including Crackle, Popcornflix, Popcornflix Kids, Truli, Pivotshare, Españolflix and FrightPix. The company also purchases and sells video content through its subsidiary Screen Media and produces original long and short form content through Landmark Studio Group, the chicken soup for the Soul Originals division and APlus.com. Chicken Soup For The Soul Entertainment is a subsidiary of Chicken Soup For The Soul, LLC, which publishes the famous book series and produces super-premium pet foods under the brand name Chicken Soup for the Soul.


This press release contains forward-looking statements that involve risks and uncertainties. Forward-looking statements are statements that are not historical facts. Such forward-looking statements are subject to risks (including the disclosures in the company’s Annual Report on Form 10-K filed with the Securities and Exchange Commission on March 30, 2020) and uncertainties that could cause actual results to differ from those of the futures – meaningful statements. The company expressly disclaims any obligation or obligation to publicly release any updates or revisions to the forward-looking statements contained herein to reflect changes in the company’s expectations regarding them or changes in the events, conditions or circumstances on which any statements are based. Investors should be aware that actual results could differ materially from our expectations and projections if our underlying assumptions for the projections contained herein prove inaccurate or if known or unknown risks or uncertainties occur.

Taylor Krafchik
(646) 776-0886

Kate hair clip
RooneyPartners LLC
(212) 223-0561

Justin Moore Introduced as Leisure for February 16 Dixie Nationwide Rodeo Efficiency

Justin Moore has been announced as new entertainment for the Dixie National Rodeo performance on Tuesday, February 16, 2021. Moore replaces Gary Allan, who is postponing his performance to the 2022 Dixie National Rodeo. Ticket holders for the Dixie National Rodeo performance on February 16 can request a refund or exchange their tickets.

Other performers at the 2021 Dixie National Rodeo include the Oak Ridge Boys, Parker McCollum, Moe Bandy, John Conlee, Sawyer Brown and Riley Green. The number of tickets is limited due to public health guidelines, so it is recommended that the public purchase tickets in advance. The Mississippi State Fairgrounds is taking precautions to ensure the safety of rodeo attendees and attendees. Disinfection stations and safe practice signs will be posted throughout the facility. Applicable public health guidelines will be followed in relation to social distancing and masks.

To purchase tickets to the Dixie National Rodeo, visit www.ticketmaster.com/dixie-national-rodeo-tickets/artist/848320 or the Coliseum Box Office.

For more information on the Dixie National Livestock Show and Rodeo, visit www.DixieNational.org or call 601-961-4000.