内容摘要：NEW YORK (AP) — Conditions appeared dire for the stock market in early April.

NEW YORK (AP) — Conditions appeared dire for the stock market in early April.

If you are looking to build your credit score, McClary recommends you consider secure credit cards. These cards are considered secure because the lender usually asks for a deposit and the line of credit is lower than other credit cards. Once you’ve used secure credit cards and built your credit report, you can graduate to a traditional credit card.services became available, retail stores have been offering them to customers along with store credit cards. It’s important to understand the differences.

Store credit cards work like traditional credit cards. By filling out an application, you request a soft inquiry in your credit report and if you decide to get the credit card, this line of credit will be reflected in your credit score.are not shown in your credit report and they are usually tied to a specific purchase and are not a revolving line of credit.“Companies like Affirm, Afterpay and Klarna have been cutting into the market share of store credit cards because they fill a similar kind of niche,” Rossman said.

Both with store credit cards and BNPL services, customers should proceed with caution to avoid getting caught overspending which can lead to great amounts of debt, he added.The Associated Press receives support from Charles Schwab Foundation for educational and explanatory reporting to improve financial literacy. The independent foundation is separate from Charles Schwab and Co. Inc. The AP is solely responsible for its journalism.

NEW YORK (AP) — Tens of millions of older Americans will see an increase in benefits this January when a

is added to Social Security payments.The 432-page Oprah’s Book Club selection explores a vast range of topics, including her enslaved great-grandmothers, her entrepreneurial spirit, the Houston childhoods of Beyoncé and Solange, her infidelity-plagued first marriage, Destiny’s Child’s struggle to get a record deal, and the blatant racism her family experienced navigating a segregated United States. (She was once allowed to briefly sit in the front of a whites-only bus as a child, disguised by her fair skin tone.)

But you won’t find juicy details from the protective mother; there’s no mention ofbetween Jay-Z and Solange, or of Kanye West taking the mic from Taylor Swift at the 2009 MTV VMAs in his attempted defense of Beyoncé. This is Celestine Beyoncé's story — not her children’s — still intriguing and very personal, revealing she was diagnosed with Stage 1 breast cancer last year. She had initially left it out of the book.

“I just wanted to keep it to myself … as I went through that process of getting the surgery and all of that, there were things that I felt that I needed to share,” said Knowles, who is now cancer-free after surgery and treatment, and urges women to make mammogram appointments and get second opinions.Knowles, who next month will launch a nine-city book tour that will include conversations with famous friends like former first lady Michelle Obama and Tyler Perry (she also hints at “family” joining her at some stops), spoke with The Associated Press about receiving due credit, regrets as a parent and finding happiness. Answers have been edited for clarity and brevity.