The Department of Government Efficiency, which is led by Elon Musk, arrived Friday at U.S. Peace Corps headquarters in Washington, D.C., suggesting it could be the latest target of the Trump administration’s efforts to downsize the federal workforce. “Staff from the Department of Government Efficiency are currently working at Peace…

Key takeaways Free Spirit members can earn points by purchasing airfare and additional services from Spirit Airlines, using Free Spirit credit cards or shopping with Free Spirit partners. Since Free Spirit points can only be spent on Spirit flights or with select partners, earning transferable travel rewards in another program…

Key takeaways You might be able to cancel a credit card application right after applying if the credit card issuer hasn’t completed processing it yet. If you’ve already been approved for the card, you’ll probably need to cancel your new card just like you would any other card. Before you…

Key takeaways The annual percentage rate (APR) on a mortgage represents the total yearly cost of the loan, including interest, fees and mortgage points. Comparing loan APRs — as opposed to interest rates — gives you a clearer idea of the most affordable option. A mortgage’s APR is always higher…