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Bob Musinski

Chicago

Editor,Writer and Contributor at Freelance

Information junkie, networker, observer.

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Articles

  • Best Student Loan Refinance Lenders of April 2025

    2 weeks ago | money.usnews.com | Bob Musinski |Emily Roth |Erika Giovanetti

    DisclaimerReady to find a student loan? Compare rates from private lenders to find the right student loan for you!Check My RatesPowered by Credible Disclaimer Lender View DisclosureLearn More College Ave4.4Fixed APR 6.99% to 13.99% with autopayVariable APR 6.99% to 13.99% with autopayMax. Loan Amount $500,000Min. Credit Score Mid 600s Read Review Lender View DisclosureLearn More SoFi®4.6Fixed APR 4.49% to 9.99% with all discountsVariable APR 5.99% to 9.99% with all discountsMax.

  • Dear Clever Credit: I'm in College. What Should My Next Credit Card Be?

    Nov 15, 2024 | money.usnews.com | Adriana Ocanas |Bob Musinski

    Dear Clever Credit,I am a 20-year-old college student with a Discover it® Student Cash Back card. My credit score is 774. I want another card that will give me better rewards for what I actually buy. My biggest expense is groceries. I applied for the Blue Cash Everyday® Card from American Express and was denied. I think it was because of my annual income, which is around $15,000. What would you recommend for my next card? I want one that I can keep for years so I can build my credit history.

  • Is Costco Good for Mortgages?

    Oct 7, 2024 | msn.com | Bob Musinski

    Continue reading More for You

  • Capped Credit Card Late Fees? CFPB Ruling Likely to Face Challenges

    Mar 5, 2024 | money.usnews.com | Dawn Papandrea |Emily Hayes |Jessica Merritt |Bob Musinski

    Key Takeaways The Consumer Financial Protection Bureau announced a new rule capping late fees at $8 for credit card issuers with more than 1 million open accounts. Once in effect, it's estimated that the new rule will save people who make late payments an average of $220 per year, totalling more than $10 billion overall. The rule also stops the automatic annual inflation adjustment so that issuers cannot raise the $8 late fee in subsequent years.

  • How to Figure Out the Break-Even Point on a Mortgage Refinance

    Feb 29, 2024 | money.usnews.com | E. Napoletano |Mark Evitt |Emily Roth |Bob Musinski

    Key Takeaways The break-even point on a mortgage lets you know when you'll earn money from refinancing. To calculate your break-even point, you'll need to divide your refinancing costs by your monthly savings. Even if you won't break even, it still could make financial sense to refinance in certain situations. There may come a time in your homeownership journey when you wonder if it makes sense to refinance your mortgage.

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Bob Musinski
Bob Musinski @bobmusing
2 Jun 24

RT @WorldMilkDay: Kenyan dairy farmer, Kennedy Okumu, shares the traditional method of fermenting milk using gourds. Known as Mala or Mursi…

Bob Musinski
Bob Musinski @bobmusing
2 Jun 24

Thanks, everyone!

WorldMilkDay 🐮
WorldMilkDay 🐮 @WorldMilkDay

Wrapping up this year’s #WorldMilkDay, we extend our appreciation to all who joined in from across the globe. Your participation made this #DairyCelebration unforgettable. Looking forward to doing it all over again next year! 🌎 🐄 ✨ #EnjoyDairy #PathwaysToDairyNetZero https://t.co/GyYDTY6eoO

Bob Musinski
Bob Musinski @bobmusing
2 Jun 24

RT @RicardoArenasO: Gracias ganaderos de Colombia. Por su esfuerzo diario podemos tener los mejores productos nutricionales en la mesa de l…