J.R. Whelan

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21,375 appearances 574 recordings 1 series first heard Oct 2017 last heard Aug 2024

J.R. Whelan’s voice in public audio — every appearance, attributed to the second.

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Although the Federal Reserve held interest rates steady yesterday, borrowing money is still difficult or out of reach for many people. matched

We'll talk to Wall Street Journal personal finance reporter Amani Moise about lower interest borrowing options after the break. matched

Compared to a year ago, it's a lot more expensive for consumers to borrow money. matched

But they do have options that can ease the financial pressure of higher interest rates. matched

Wall Street Journal personal finance reporter Amani Moiz joins me. matched

So Amani, first of all, can you just help us out with some numbers? matched

The Fed held interest rates steady yesterday in the five and a quarter to five and a half percent range. matched

But we see credit card interest rates often above 20 percent. matched

How do those numbers get so high? matched

And we often see the acronym APR in descriptions of loans. matched

What does that stand for and how does it help consumers understand how much it'll cost to borrow? matched

Since we addressed credit cards briefly earlier, let's get into those a bit more. matched

Some credit card holders are able to pay off their balances each month, but others might carry a balance. matched

If they're wary of such high rates out there, do they have options? matched

Oh, it makes it easier to plan a budget for a consumer. matched

Buy now, pay later programs have become popular with consumers who want to pay in installments. matched

But are there risks to be mindful of? matched

And we've talked on the show before about credit unions. matched

How can they benefit consumers who need to borrow? matched

Any other options people have? matched

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