On Wednesday, the S&P/ASX 200 Index (ASX: XJO) was back on form and charging higher. The benchmark index rose 0.7% to 8,057.9 points.
Will the market be able to build on this on Thursday? Here are five things to watch:
ASX 200 expected to fall
The Australian share market looks set to fall on Thursday following a poor night on Wall Street. According to the latest SPI futures, the ASX 200 is expected to open the day 41 points or 0.5% lower this morning. In the United States, the Dow Jones was up 0.6%, but the S&P 500 fell 1.4% and the Nasdaq dropped 2.8%.
Oil prices charge higher
ASX 200 energy shares such as Beach Energy Ltd (ASX: BPT) and Woodside Energy Group Ltd (ASX: WDS) could have a good session after oil prices charged higher overnight. According to Bloomberg, the WTI crude oil price is up 2.6% to US$82.89 a barrel and the Brent crude oil price is up 1.6% to US$85.09 a barrel. A large drop in US inventories boosted prices.
Buy BHP shares
Goldman Sachs thinks BHP Group Ltd (ASX: BHP) shares are good value at current levels. In response to the mining giant’s fourth quarter update, the broker has retained its buy rating and $48.40 price target on its shares. This implies potential upside of over 13% for investors from current levels. It said: “After reflecting the June Q and financial disclosures ahead of the result, there is little change to our EBITDA forecasts; FY26 EPS increases 2% on minor changes to D&A and net interest.”
Gold price eases
It could be a subdued session for ASX 200 gold shares Newmont Corporation (ASX: NEM) and Northern Star Resources Ltd (ASX: NST) after the gold price eased lower overnight. According to CNBC, the spot gold price is down 0.15% to US$2,464.3 an ounce. This appears to have been driven by profit taking after the gold price reached a record high a day earlier.
Fortescue job cuts
Fortescue Ltd (ASX: FMG) shares will be on watch today after the miner announced major job cuts. While the company “remains resolute in its commitment to be the world’s leading green technology, energy and metals company”, it revealed that “initiatives are being implemented to simplify its structure, remove duplication and deliver cost efficiencies.” In light of this and in order to deliver on its strategy and generate the maximum value for shareholders, approximately 700 people from across Fortescue’s global operations will be offered redundancies.
Motley Fool investing expert Scott Phillips just revealed what he believes are the 5 best stocks for investors to buy right now… and Bhp Group wasn’t one of them.
The online investing service heâs run for over a decade, Motley Fool Share Advisor, has provided thousands of paying members with stock picks that have doubled, tripled or even more.*
And right now, Scott thinks there are 5 stocks that may be better buys…
Motley Fool contributor James Mickleboro has positions in Woodside Energy Group. The Motley Fool Australia’s parent company Motley Fool Holdings Inc. has positions in and has recommended Goldman Sachs Group. The Motley Fool Australia has no position in any of the stocks mentioned. The Motley Fool has a disclosure policy. This article contains general investment advice only (under AFSL 400691). Authorised by Scott Phillips.
Frequent flyers commonly have a favorite, whether for the fares, on-time rate, route options, or the airline's loyalty program.
I have historically favored Delta because it's what my family always flew growing up. But these days, I usually book based on price and convenience rather than loyalty. (If you're looking for the best airline for free upgrades or point redemptions, this isn't the article for you).
As someone whose job often involves flying on airlines and comparing them, I recently pit the Big 3 against each other by flying each on the same ticket type, on similar routes, and all within a reasonable timeframe.
What I found won't change how I approach booking flights because the experiences on each airline were similar enough overall, but I can imagine the small comfort and service differences could sway other travelers.
My three domestic tickets were for basic economy on flights of about four hours, giving me the most apples-to-apples comparison.
I prefer basic economy on mainlines because they come with the cabin perks at a cheaper price.
Taylor Rains/Business Insider
In mid-May, I flew on a Delta A220 from New York's LaGuardia Airport to Dallas/Fort Worth International Airport and returned on an American Boeing 737-800.
I book basic economy because I like to save money where I can, and the unbundled fares are perfect for my style of travel.
American's Boeing 737 cabin from Dallas/Fort Worth to LaGuardia.
Taylor Rains/Business Insider
I'm a low-maintenance budget traveler who usually only has a carry-on. I mostly don't like checking luggage because I'm impatient and don't want to wait for it at bag claim.
There's also the risk that my bag won't reach my final destination, but I mostly trust the airlines — and I have an AirTag for backup.
However, if you're worried, Department of Transportation data says American and United had the worst mishandled luggage rates in 2023, with 0.76 and 0.73 bags mishandled per 100 bags enplaned, respectively. Delta was the best-performing of the three, with a rate of 0.47.
In all cases, the ticket can be upgraded to regular coach for things like an assigned seat and no change fees. I'd recommend paying up if you want a little more control over your reservation.
Out of the three discount options, American and Delta often offer more bang for your buck than United's more restrictive basic fares.
United's boarding pass made it crystal clear that I was not allowed a carry-on bag with my basic economy ticket.
Taylor Rains/Business Insider
The point of basic economy is to lure in price-sensitive travelers (like me) with a fare that only requires you to pay for what you need. It's basically the low-cost model but with the perks of mainline cabins, like inflight entertainment, free snacks, and reclining seats.
Unlike American and Delta, United made its offer as barebones as possible by not allowing carry-on bags at all.
Except for most international routes, anything more than a personal item on United has to be checked. Delta and American allow a carry-on and a personal item for free.
Meanwhile, the seat rule is the same across the board — you pay extra to reserve one. Otherwise, you'll get a random seat at check-in — and I ended up with a middle seat on every flight.
United's policy required me to spend an extra $40 to check my carry-on, which isn't ideal and could be a dealbreaker if a competitor is cheaper.
Google Flights shows the same price for all three mainlines from LaGuardia to Chicago on October 16, but you won't get a carry-on bag on United.
Google Flights
For example, a one-way basic economy flight from LaGuardia to Chicago in mid-October is $56 on American, Delta, and United, according to Google Flights. Other dates show similarly close fares.
After the added fee and hassle of checking a bag on United, I'd book one of the other two by probably flipping a coin since I simply don't care about status.
While the no carry-on bothered me, it's not a problem for everyone. United earns points for its more tech-savvy cabin.
I travel with overhead Beats headphones and AirPods, but I prefer the Beats and can connect them to United's economy cabin.
Taylor Rains/Business Insider
The United plane I flew on was retrofitted with the airline's enhanced "United Next" cabin that it unveiled in 2021.
It offers the regular bells and whistles you'll find on most American and Delta narrowbodies, but you can also connect Bluetooth headphones to the seatback screens.
It was a much better option than using regular earbuds, especially if you're stuck with the scratchy airline-provided ones.
You'll get a similar cabin layout on Delta, but without Bluetooth, unless you're in first class on an A321neo.
The Delta A220 economy inflight television screen. This one does not have Bluetooth.
Taylor Rains/Business Insider
Delta's Bluetooth is not available in coach. United is the only US airline to offer it cabin-wide, fitting Bluetooth on some 100 planes.
The airline expects to roll it out on 800 aircraft by 2032.
American has installed seatback tablet holders instead of screens. It makes me an oddball, but I actually prefer it that way.
The Kindle Fire 10 with a case on fit fine.
Taylor Rains/Business Insider
I am addicted to competitive reality television shows like Big Brother and Survivor, and they're my go-to on flights. The tablet holder was perfect for my taste, but I doubt I'm the popular opinion.
If you rely on seatback content, Delta and United may be your better bets.
However, according to American's website, some of its single-aisle planes, including some A319s and the transcontinental A321T, have screens.
In my experience, besides the screen difference, the Big 3 largely offer the same level of comfort and service in their narrowbody cabins.
The cabins on Delta (top), United (bottom left), and American (bottom right). The seat width varied but I didn't notice.
Taylor Rains/Business Insider
Most of the airlines' updated Airbus and Boeing narrowbodies have headrests, tray tables, seatback pockets, power ports, free snacks and drinks, and decent legroom and seat padding.
According to their websites, all three offer the standard 30-31 inches of pitch in regular coach, which is always plenty of space for my 5'3" self. Taller travelers may consider upgrading to an extra legroom seat, though.
I also had no customer service issues, with all of the airlines' airport agents and flight attendants being equally helpful and friendly. Granted, that's not always been the case in my years of flying, but bad apples exist at every airline, so I don't put much thought into that.
Delta has the best internet, but all of the Big 3 participate in a T-Mobile plan that gives free WiFi to eligible customers.
The T-Mobile inflight connection option on American's WiFi portal.
Taylor Rains/Business Insider
As a remote worker, I fly mainline airlines partly for the WiFi because I can access it fully free with my T-Mobile phone number. In my experience, the connection is mostly consistent across the board, and I could stream with no problem.
If you don't have T-Mobile, Delta is the best for internet as it continues to add unlimited free WiFi for loyalty members on its planes (you just need to make a free account).
American offers very limited free internet, while United offers complimentary messaging.
The limited WiFi option on American.
Taylor Rains/Business Insider
United's domestic WiFi costs $8 for MileagePlus members and $10 otherwise. Messaging is free and works on apps like iMessage and WhatsApp.
Meanwhile, American does offer ad-powered free internet, but my flight was limited to just 20 minutes.
American's strategy is likely to show people what the WiFi is like and entice them to buy a flight pass, but the up-to-$20 price for internet on my flight may be a little steep for some travelers.
Of course, there are some outliers, as all three still fly older jets that haven't been retrofitted with updated cabins.
For example, there was no tablet holder on the American A319 I flew back in 2022.
Taylor Rains/Business Insider
I specifically flew the updated cabins on American, Delta, and United's single-aisle Airbus and Boeing aircraft. However, all three still have some dated narrowbodies that don't offer all of the latest perks.
According to their respective websites, Delta's Boeing 717s lack seatback screens, as do many of United's 737-900s and 757-300s and select cabins on its Airbus planes (minus the A321neo). And you won't find power on all of American's Airbus narrowbodies.
While this will likely change as airlines continue to retrofit their fleets, I suggest you always check the airline's website outlining its fleet to see what you can expect before booking. The plane type will be displayed at booking and on your reservation.
Still, you'll more likely than not be on a retrofit plane with enough comforts to survive a four or so-hour flight.
The "United Next" cabin on a Boeing 737 Max 8.
Taylor Rains/Business Insider
I got a headrest and a comfortable enough seat on all three airlines' planes despite getting stuck in the middle seat on each.
Plus, every flight was perfectly on time. In fact, all three scored an on-time rate of at least 80% in 2023 — Delta at about 84% and the other two both just over 80%. United got roughly the same rate as in 2022, with Delta and American both improving year over year.
According to global travel data provider OAG, that's considered good punctuality in the airline industry. But remember, delays and cancellations can happen to any airline at any time, so sometimes it is just luck.
And if you're on Delta's A220 plane, you may want to visit the lavatory.
Delta A220 lavatory window.
Taylor Rains/Business Insider
The aft lavatory on Delta's A220 fleet has a full-sized window. I'd consider it the best window seat onboard, and we aviation enthusiasts have dubbed it a "loo with a view."
Overall, my recent flights gave me more confidence in American and United after previous mediocre experiences.
Gate C7 at DFW airport for my return flight to LaGuardia in May.
Taylor Rains/Business Insider
Delta consistently has the best on-time performance of the Big 3 year over year. It's, personally, rarely done me wrong. However, the other two have been hit-or-miss over the years, but customer-focused improvements are evidently working.
American has proven it isn't the inconsistent airline I used to avoid, while United's new domestic product is easily competitive but still lacks some freebies like the WiFi and carry-on offered by its rivals.
My main hesitation would be the route. I'll almost always pay more or go out of my way for a nonstop.
It's case-by-case, but I'll typically fly out of New York-JFK or LaGuardia. Between the two, I can get almost anywhere in the US nonstop.
Anadolu/Getty Images
I live closest to New York-JFK and LaGuardia, so booking American and Delta for convenience, even if it costs more, makes sense since United has much fewer flight options at both NYC airports.
I'd also prefer not to travel all the way to United's Newark, New Jersey, hub for a flight. Again, it's case-by-case, but United's fare would need to be stupidly cheap.
And remember, we're talking domestic flights here. International is an entire other ballgame.
For those still stuck between one or more of the three for a particular economy flight, here's my best advice on how to choose.
The view of the United cabin from the author's middle seat.
Taylor Rains/Business Insider
Firstly, if you care most about punctuality, the data says book Delta. Plus, the airline is consistently awarded for its premium-focused service and comfort, so it's just a safe bet — but you may see higher fares because of it.
United's upgraded cabin is just as nice as Delta's, and I'd argue it's actually better with the Bluetooth option. But you'll want to pay up for at least regular economy to get a carry-on for domestic flights.
While I've had my issues with American in the past, the airline has fully grown on me. It is often among the cheaper options, but most of its narrowbodies don't have a seatback screen.
You'll still get entertainment on American but on a handheld device. If you're like me, who watches content on a personal device, I'd say that's a win-win.
On Wednesday, the Justice Department released an update on bankruptcy for borrowers following new guidance it released in 2022. According to the department, 588 new cases were filed from October 2023 to March 2024, marking a 36% increase from the prior 6-month period. Most of those borrowers have also seen success in court — per the department, 98% of them received full or partial debt relief from November 2022 through March 2024.
Prior to the guidance, borrowers had to prove an "undue hardship" standard, in which they had to show that they could not maintain a minimal standard of living, that their circumstances weren't likely to improve, and that they had made a good-faith effort to repay their debt.
However, that standard was very challenging for borrowers to meet, so the Education and Justice Departments streamlined the process by establishing clearer guidelines for borrowers to prove undue hardship. Those included examining whether borrowers have made a good faith effort to repay their debt and determining their future ability to make payments.
The guidance also allowed borrowers to complete a self-attestation form, which allowed departments to process their discharge requests faster and avoid investigations.
"Our clear, fair, and practical standards are helping struggling borrowers find relief that was previously out of reach," Under Secretary of Education James Kvaal said in a statement.
"This data should puncture the myth that struggling borrowers cannot discharge their student loan debt through bankruptcy," he continued. "We will continue to work with our partners at the Department of Justice to make it simpler and easier for borrowers to get much-needed relief in the way it was intended."
Along with an increase in borrowers filing for discharges, the departments also found that 96% of borrowers voluntarily completed self-attestation forms, and some bankruptcy courts have taken on procedures to use the new process.
The Justice Department did not immediately respond to Business Insider's request for the total number of borrowers who have received discharges through this process.
While this process shows improvement, it has been slow-moving. The advocacy group Student Defense found that fewer than 45 borrowers had received full or partial discharges just under a year after the new guidance.
Some Democratic lawmakers have also scrutinized the process. Last summer, Sen. Elizabeth Warren requested information on how the guidance was being implemented, writing that the bankruptcy standard "has been narrowly interpreted by courts, and has proven to be so difficult to meet that most borrowers do not even attempt to discharge their student loans through the bankruptcy process."
Still, Biden's administration is using the new data to show the process is working and expects more borrowers to participate.
"The results are clear: this guidance has helped make the promise of a fresh start in bankruptcy a meaningful option for individuals weighed down by student loan debt," Acting Associate Attorney General Benjamin Mizer said in a statement.
Have you gotten your student loans discharged through bankruptcy? Are you struggling with the process? Share your story with this reporter at asheffey@businessinsider.com.
A Ukrainian soldier with a US-provided M1A1 Abrams tank at an undisclosed location.
47th Mechanized Brigade via Telegram
Ukraine has been operating a small number of US-made M1A1 Abrams tanks.
These tanks are heavily armored, but they are still vulnerable to Russian threats, including drones.
An Abrams commander said that the tanks would benefit from more dynamic protection on the exterior.
US-made Abrams tanks in operation with the Ukrainian military are facing an unfamiliar battlefield compared to their previous wars, as Russia uses small drones rigged with explosives to threaten armored vehicles below.
The highly advanced M1A1 Abrams tanks have been equipped with electronic warfare capabilities to help keep these drones away. However, a Ukrainian tank commander says these heavily armored machines still need more exterior protection to help them defend against incoming munitions that come through.
In service of this mission, some of Ukraine's Abrams have been spotted with added cage armor and explosive reactive armor tiling to help better shield the tanks.
"It can save a life," the commander, who goes by the call sign Zakon, said through a translator during a recent interview with Business Insider from an undisclosed location near the front lines in eastern Ukraine.
Last fall, the US sent Ukraine 31 older Abrams variants, which are in service with the country's battle-hardened 47th Mechanized Brigade. Kyiv has since lost several of these main battle tanks — some estimates suggest as many as 10 — but the remainder are very much in operation and were actually just in combat.
Facing new and old threats
Zakon commands a single Abrams tank and oversees a crew that consists of a driver, a loader, and a gunner. He praised his $10 million Abrams as a major upgrade over the Soviet-era tanks, like the T-72 or T-64, that Ukraine had at the start of the war. However, he noted they are still vulnerable to many Russian threats, especially the small exploding drones.
M1A1 Abrams tanks needed for training Ukrainian soldiers await offloading at Grafenwoehr, Germany on May 14, 2023.
US Army photo by Spc. Christian Carrillo
First-person view (FPV) drones, often small quadcopter-style remotely piloted systems, have dominated the battlefield in Ukraine. Both sides have used these systems, which are cheap and abundant, to deliver precision strikes on troops, equipment, positions, and armored vehicles.
Zakon said that Russian FPV drones are a huge threat to the Abrams. They have targeted his tank on several occasions, including in swarms, where multiple drones attack at the same time.
In another incident, the tank driver managed to stop the Abrams just in time before an exploding FPV drone struck directly in front of it. Zakon said the tank's electronic warfare capabilities and the explosive reactive armor it was equipped with at the time helped curb the attack, preventing it from worsening.
The threat doesn't end with drones, though. Zakon said that the Abrams are "easy targets" for weapons that are rather prolific on the battlefield, like anti-tank missiles and rocket launchers.
A Ukrainian soldier on a US-provided M1A1 Abrams tank at an undisclosed location.
47th Mechanized Brigade via Telegram
Zakon said the Abrams are durable and "can withstand a hit." But he stressed that Ukraine still needs more protection, specifically dynamic systems like the Abrams Reactive Armor Tile, ARAT-1, or the Soviet Kontakt-1 options. This technology helps defend the tank from explosives.
The crew "will be motivated to perform better when they know that there is this kind of protection," Zakon said. "It's really, really important."
A need for more tanks
Beyond the threats, availability has been another challenge. Despite the tremendous hype surrounding the delivery of the Abrams, the small number of tanks that Ukraine actually received has made them more precious and less expendable than the other US-made armor Kyiv got, like the Bradley fighting vehicle.
Ukrainian President Volodymyr Zelenskyy said last week that he didn't think such a limited number of tanks could make a difference on the battlefield. Speaking on the sidelines of the NATO summit in Washington, DC, he warned Kyiv could face this same problem with F-16 fighter jets finally on their way. There may simply not be enough.
The Abrams was designed with the Soviet armor threat in mind in a time before exploding drones were ever even an idea and were specifically built to kill other tanks and execute massive armored assaults, which is how the US military traditionally used the machines in conflicts like those in the Middle East. In the Gulf War, for instance, it earned a fearsome reputation.
An M1A1 Abrams tank during a training exercise.
US Marine Corps photo by Cpl. Jennessa Davey
But the Abrams aren't used in Ukraine for armored breakthroughs. Rather, Kyiv relies on them more to support and strengthen its positions, including the movement of infantry troops, vehicles, and equipment. The Bradley has proven particularly useful for this mission.
Zakon said that one of the best things about the Abrams tank is its speed — according to the available information, it can travel up to 45 miles an hour — and how easy it is for the roughly 60-ton combat vehicle to move into and out of battle.
In combat, the tanks have been "worked to their maximum" and inflicted damage on Russian forces. However, he said Ukraine still needs more vehicles and personnel to operate them to help with assaults on Russian positions.
He also emphasized that more protection would help keep his fellow soldiers safe.
"These are really well-trained people," Zakon said of Ukraine's tank crews. "That's why we need to do everything possible to ensure that we have this kind of dynamic protection so that we can save lives."
The offers and details on this page may have updated or changed since the time of publication. See our article on Business Insider for current information.
Navy Federal Credit Union offers an impressive range of loan amounts, especially for borrowers who only need a small sum of cash. However, there are stringent membership requirements that make the credit union inaccessible to some borrowers. The best personal loan for you depends on your credit score, which will determine what you qualify for and can lower your rate.
Who Are Navy Federal Personal Loans Best For?
Navy Federal offers unsecured personal loans, which are loans that don't require collateral, such as a house or car.
You can get a personal loan from Navy Federal for several reasons, including auto repairs, vacations, and other major purchases.
Unlike other credit unions, you need to be a member of Navy Federal to apply for and receive a personal loan. You're only eligible if you are active military member or a veteran, as well as an employee or retiree of the Department of Defense. Family members of any of the aforementioned groups are also eligible.
You can get a personal loan from Navy Federal in all 50 states. Navy Federal allows you to apply with co-borrower, which may help you get a better rate if your co-borrower has a great credit score. You can fill out your application online and get your rate within several minutes. If you're looking for a debt consolidation loan or home improvement loan, you'll have to apply over the phone or in person.
In most cases with Navy Federal, you'll get your money the same day you apply.
There are many options to get your customer support questions answered. You can call customer support 24/7, send a secure message from your online banking account, set up an in-person meeting, message a chatbot, send physical mail, or reach out to the company on social media.
Navy Federal has a mobile app in the Google Play store, rated 4 out of 5 stars, and an app in the Apple store, rated 4.8 out of 5 stars. Both are good options if you want to manage your loan away from your computer.
Navy Federal Personal Loan Details
Navy Federal has personal loan amounts that range from $250 to $50,000. Navy Federal has one of the lowest minimums around, and comparable maximums to other credit unions. For example, PenFed's loan amount range is $600 to $50,000, and the range for Alliant's personal loans is $1,000 to $50,000. Most online lenders have higher minimum loan amounts.
Navy Federal offers term repayment lengths from six months to five years. There are no prepayment penalties on your loan.
Navy Federal Credit Union offers an impressive range of loan amounts, especially for borrowers who only need a small sum of cash. However, there are stringent membership requirements that make the credit union inaccessible to some borrowers. The best personal loan for you depends on your credit score, which will determine what you qualify for and can lower your rate.
Navy Federal Personal Loans Pros and Cons
Navy Federal Personal Loan Pros
Wide range of loan amounts. You can take out as little as $250 or as much as $50,000.
No origination fees or prepayment penalties. Other lenders may charge these fees.
You can apply with a co-borrower. A co-borrower can help you get a better rate on your loan if they have a good credit score.
24/7 customer service over the phone. You can speak to someone around the clock, whenever you need.
Navy Federal Personal Loan Cons
You have to be a member to get your loan. It's relatively hard to qualify for Navy Federal membership. You're only eligible if you are active military member, veteran, employee or retiree of the Department of Defense, or family member of someone in one of those groups.
Late fee. The credit union charges a $29 late payment fee.
High minimum APR. If you have a great credit score, you can likely get a better rate elsewhere.
How to Apply For a Navy Federal Credit Union Personal Loan
1. Become a Navy Federal Credit Union Member. You can only take out a loan from Navy Federal Credit union if you're a member. To become a member, you or a family member must have ties to the armed forces, Department of Defense, or National Guard.
2. Decide which method to use to apply. Navy Federal Credit Union allows you to apply for a personal loan online, by phone, or in person. Online applications are typically the fastest.
3. Submit your information and apply. You'll enter your name, Social Security number, income history, proof of income, and other information that Navy Federal will use to determine if you're qualified for a personal loan.
4. Review the offer and sign off on your loan. Navy Federal will offer a loan with an interest rate and term based on your creditworthiness if you qualify. Be sure to carefully review the offer and make sure you're able to afford the payments before agreeing to it.
5. Receive your funds. Navy Federal Credit union says in most cases you can get your money the same day you're approved for a personal loan.
Navy Federal Personal Loan Credit Requirements
Navy Federal doesn't make its minimum credit score to be eligible for a personal loan public — though in general, a higher credit score will secure you a lower rate.
If you need to access your credit report, you can get it at no cost from any of the three major credit bureaus on annualcreditreport.com weekly through April 20, 2022. This report will give you information about your payment and credit history, but it won't provide you with your credit score. Looking over your credit report can help you spot errors and find areas for improvement.
You can get your score for free on your credit card statement or online account. You can also buy it from a credit reporting agency.
Unfortunately, you can't apply for a loan with Navy Federal without the credit union generating a hard credit inquiry. A hard inquiry gives a lender a complete view of your credit history, but might negatively affect your credit score. Other lenders allow you to check your rates without impacting your credit score.
After you accept the loan, your payments (or lack thereof) will show up on your credit report. Consistent payments can help boost your credit score, while late or missing payments may lower your score.
Are Navy Federal Credit Union Personal Loans Trustworthy?
Navy Federal's Better Business Bureau profile is currently not rated as the credit union is in the process of responding to previously closed complaints. Previously, the business had an A+ trustworthiness rating from the BBB. The BBB measures its trustworthiness score by looking at how a company's responds to customer complaints, its honesty in advertising, and its transparency about business practices.
There is one recent controversy related to the credit union. A Navy Federal employee alleged that the lender pressured mortgage underwriters to approve loans even without proper reason to believe applicants could pay back the loans. She then filed a lawsuit and said Navy Federal retaliated against her whistleblowing by changing her job duties. She dropped the case in late 2020.
You might prefer a different lender if you're bothered by Navy Federal's recent controversy and lack of trustworthiness rating.
Navy Federal Personal Loan Alternatives
Navy Federal Personal Loans vs. PenFed Personal Loans
With a range of 8.99% to 18.00%, offers a minimum loan amount than what you can get with PenFed, which as a range of 8.99% to 17.99%. Navy Federal's APR range of 8.99% to 18.00% is comparable to PenFed's range of 8.99% to 17.99%.
Navy Federal has more strict membership requirements than PenFed, as you only qualify if you or a family me ber are an active military member, veteran, or employee or retiree of the Department of Defense. You can join PenFed if you've served in the military or worked at a qualifying association or organization. You can also join by opening a savings account with a $5 minimum deposit.
Navy Federal Personal Loans vs. Alliant Personal Loans
Alliant advertises APR range that starts at 10.49%, higher than Navy Federal's lowest rate. Alliant doesn't disclose a maximum interest rate for its personal loans. You can borrow anywhere from $1,000 to $50,000 from Alliant, compared with loan amounts ranging from $250 to $50,000 at Navy Federal.
Becoming a member of Alliant is relatively easy. You can so so by making a donation to Foster Care to Success. That compares with much stricter membership requirements for Navy Federal.
Why You Should Trust Us: How We Rated Navy Federal Credit Union
We rate all personal loan products in our reviews and guides on a 1-5 scale. The overall rating is a weighted average that takes into account seven different categories, some of which are judged more heavily than others. They are:
Interest rate (20% of rating)
Fees (20% of rating)
Term lengths and loan amounts (15% of rating)
Funding speed (15% of rating)
Borrower accessibility (15% of rating)
Customer support (7.5% of rating)
Ethics (7.5% of rating)
Each category's weighting is based on its importance to your borrowing experience. Rates and fees have the most direct impact on the overall cost of your loan, so we weigh those the most heavily. Customer support and ethics are still very important parts of the borrowing experience, but do not directly tie to a personal loan's terms, so they have less of an impact on the overall rating.
Is Navy Federal a good place to get a personal loan?
Credit unions are a good option to get a personal loan. Credit unions often have high-quality customer service and smaller loan minimums than online lenders. Credit unions also have their maximum interest rate capped by the National Credit Union Administration at 18%, so you may get a lower rate with one than with an online lender.
What credit score do you need for a Navy Federal personal loan?
Navy Federal Credit union doesn't disclose a minimum credit score to qualify for a personal loan. However, the higher your credit score, the more likely you'll be approved for a loan with the best interest rate.
How long does it take to get a personal loan from Navy Federal?
In most cases with Navy Federal you can get your money the same day you're approved for a personal loan.
JD Vance and Usha Chilukuri Vance at an election night event.
Drew Angerer/Getty Images
Donald Trump chose Sen. JD Vance of Ohio as his running mate in the 2024 election.
Vance met his wife, Usha Chilukuri Vance, while they were both students at Yale Law School.
They wed in both Christian and Hindu ceremonies in 2014 and have three children.
When Fox News asked Usha Chilukuri Vance in June how she felt about her husband, JD Vance, being considered as Donald Trump's running mate, she told host Lawrence Jones that she was "not raring to change anything about our lives right now."
But it appears she's come around, standing alongside Vance and Trump on the first day of the Republican National Convention once her husband was officially chosen to join the ticket.
Vance, the junior senator from Ohio and bestselling author of "Hillbilly Elegy," and Chilukuri Vance, a litigator whose résumé includes a Supreme Court clerkship, met as students at Yale Law School and wed in 2014.
Here's a look inside the relationship of the newest GOP power couple who could become the next vice president and second lady.
Born in Ohio and raised by his grandparents in Kentucky, JD Vance joined the Marines and graduated from Ohio State University.
JD Vance.
Gaelen Morse/Getty Images
Vance served as a public affairs marine in Iraq, liaising between service members and members of the press. After his military service, he majored in political science and philosophy at Ohio State University.
Usha Chilukuri Vance studied history at Yale and taught American history in Guangzhou as a Yale-China Teaching Fellow.
Usha Chilukuri Vance.
Jeff Dean/AP
Chilukuri Vance grew up in a suburb of San Diego. Her parents are Indian immigrants, The New York Times reported.
Chilukuri Vance told Fox News in June that her parents' Hindu faith was "one of the things that made them such good parents, that make them very good people."
The couple met while they were students at Yale Law School.
JD Vance and his wife, Usha Chilukuri Vance.
Gaelen Morse/Reuters
In law school, Chilukuri Vance served as executive development editor of the Yale Law Journal and managing editor of the Yale Journal of Law and Technology, according to a bio on the website of her former employer, Munger, Tolles & Olson,that has since been removed.
She also worked pro bono with the Supreme Court Advocacy Clinic, the Media Freedom and Information Access Clinic, and the Iraqi Refugee Assistance Project.
Chilukuri Vance told NBC News that she and Vance took all of their classes together and were friends before they started dating. When they were assigned to work on a brief together, Chilukuri Vance said she was impressed by his diligence.
"I've never seen anybody so starstruck," their law school professor, Amy Chua, said of Vance in an interview with NBC News. "It was love at first sight."
They wed in 2014 and held both Christian and Hindu ceremonies.
JD Vance and Usha Chilukuri Vance at an election night event.
Drew Angerer/Getty Images
Vance converted to Catholicism in 2019, The American Conservative reported. Chilukuri Vance was raised Hindu.
When asked about their interfaith marriage in a June interview with Fox News, Chilukuri Vance replied: "There are a lot of things that we just agree on, I think, especially when it comes to family life, how to raise our kids. So I think the answer really is that we just talk a lot."
In 2016, Vance published his best-selling memoir, "Hillbilly Elegy," in which he wrote about his relationship with Chilukuri Vance.
JD Vance's memoir, "Hillbilly Elegy," came out in 2016.
Jeff Swensen
Vance's memoir details his working-class upbringing and the lives of poor, white Americans. He also wrote about how Chua, his professor, encouraged him to focus on his relationship with Chilukuri Vance as a Yale law student.
When Vance asked Chua to recommend him for a federal clerkship, she warned him that it's "the type of thing that destroys relationships."
"Amy's advice stopped me from making a life-altering decision. It prevented me from moving a thousand miles away from the person I eventually married," Vance wrote.
"Most important, it allowed me to accept my place at this unfamiliar institution — it was okay to chart my own path and okay to put a girl above some shortsighted ambition," he continued. "My professor gave me permission to be me."
After law school, Vance worked at VC firms while Chilukuri Vance landed prestigious clerkships.
JD Vance with Apple CEO Tim Cook.
Drew Angerer/Getty Images
Vance worked at Mithril Capital, a VC firm backed by Peter Thiel, in 2016. One former coworker previously told Business Insider that Vance was often away from the job promoting his book, "Hillbilly Elegy."
Thiel ended up being instrumental in Vance's rise to power in politics, donating $15 million to his Senate campaign and encouraging Trump to choose Vance as his running mate, The New York Times reported.
Vance went on to work at Revolution, a VC firm in Washington, DC, before founding his own firm, Narya Capital, in 2019.
Meanwhile, Chilukuri Vance worked as a litigator at Munger, Tolles & Olson before leaving to clerk for Judge Brett Kavanaugh in the US Court of Appeals and Supreme Court Chief Justice John G. Roberts. Following her clerkships, she returned to Munger, Tolles & Olson, according to a bio on the firm's website that has since been removed.
They have three children.
JD Vance with his son, Vivek.
Drew Angerer/Getty Images
Their first child, 6-year-old Ewan, was born a month before Chilukuri Vance began her clerkship with Chief Justice Roberts, NBC News reported. Their son Vivek is 4, and their daughter Mirabel is 2.
Chilukuri Vance appeared in a political ad and at campaign events when Vance ran for Congress in 2022.
JD Vance and Usha Chilukuri Vance at an election night watch party.
Andrew Spear/Getty Images
In the ad, Chilukuri Vance described her husband as "an incredible father" and "my best friend."
In an interview with Newsmax about the ad, Chilukuri Vance also responded to media reports about Vance's dramatic transformation from a "Never Trumper" to a staunch Trump supporter.
"Sometimes people say that he's changed a lot, but the truth is I've known him now for so many years and he's always been so true to himself," she said.
As Trump vetted Vance for the vice presidency, Chilukuri Vance expressed ambivalence about the possibility of him being chosen.
Donald Trump and JD Vance.
Jeff Swensen/Getty Images
"I'm not raring to change anything about our lives right now, but I really believe in JD and I love him, so we'll see what happens with our lives," she told Fox News.
When Trump chose Vance as his 2024 running mate in July, Chilukuri Vance quit her job as a litigator.
JD Vance and Usha Chilukuri Vance arrive at the Republican National Convention.
Joe Raedle/Getty Images
On the first day of the Republican National Convention, when Trump announced Vance as his vice presidential pick, a spokesperson for Munger, Tolles & Olsen told ABC News that Chilukuri Vance had left the firm.
"Usha has been an excellent lawyer and colleague, and we thank her for her years of work and wish her the best in her future career," the spokesperson said.
A 3,700-acre monastery in Snowmass, Colorado, is on the market for $150 million.
Camera Head Media
A monastery compound on over 3,700 acres near Aspen, Colorado, is on the market $150 million.
There aren't many monks left, and the land near the ritzy ski town is mostly used as a ranch.
This amount of land near Aspen is rare, but there aren't many viable, serious buyers. Here's why.
A 3,720-acre ranch in Snowmass, Colorado — a skitown 15 miles north of Aspen — is on the market for $150 million.
Its current owner is St. Benedict's Monastery, which no longer has enough monks to support itselfand is looking for buyers who want a lot of land close to the slopes.
Listing agent Ken Mirr, who specializes in ranches, knows how rare a property like this is.
"It is such a unique landscape. Somebody will sit there and go, 'Wow, there's nothing like this,'" Mirr told Business Insider. "You're not going to duplicate it."
Mirr, of Mirr Ranch Group, shares the listing with Michael Latousek of Douglas Elliman.
The Cistercian Order of the Strict Observance, a Roman Catholic religious order colloquially known as the Trappists, bought the property in 1956 for an unknown price. It built the original monastery in 1958.
Early on, the monks supported themselves by cattle ranching, making candy, and selling eggs to local restaurants and farmers. Later, they tapped a local cattle rancher to do the physical work with livestock on the land.
The monastery includes a chapel, prayer areas, and living quarters for the monks. The compound added more buildings since the 1950s, including a retreat center hosting events.
The late Reverend Thomas Keating founded the Snowmass Interreligious Conference in 1984, bringing regular interfaith retreats to St. Benedict's. The space has also been used by the Aspen Institute, Mirr said, which hosts the yearly Aspen Ideas Festival that is attended by business executives, public officials, and other thinkers.
The property might sound like the perfect location for an ultrawealthy buyer to erect a massive family compound. But Pitkon County, where Snowmass and Aspen are located, won't let large developments be built without scrutiny.
The county has caucuses that uphold its laws and approve land uses. In Snowmass, the caucus approved a 5,750-square-foot limit to the floor area of homes — so putting up an extra-large megamansion on the ranch is out of the question.
The county is known for oversized luxury homes that trade for handsome sums — a 22,405-square-foot mansion in Aspen sold for a record-setting $108 million in April to an LLC called Buddies Aspen, which the Wall Street Journal reported is a powerful duo: billionaire financier Thomas Peterffy and former casino developer Steve Wynn.
Mirr said he has already turned away buyers who are not the right fit for the property. He and the monastery leadershipare looking for someone who want to do a little with a lot.
"There's going to be a limited buying pool, and we understand that," Mirr said. "Our focus really is to look at a conservation buyer ultimately who can work with the code and work with the open space."
The property, as it exists today, is about 3,720 acres in total.
A view of some of the buildings on the property.
Camera Head Media.
The monastery accumulated multiple parcels over time, Mirr said.
The Cistercian Order of the Strict Observance acquired the property in 1956.
A residential structure on the property.
Camera Head Media.
Before monks bought the property, ranchers and farmers who had settled thereyears before occupied the land.
The early monastery buildings — built by the monks themselves — were finished in 1958.
A hallway in the monastery.
Camera Head Media.
"They based it on a 14th-century design of a monastery from France," Mirr said. "They had the brothers there help build it."
There have been additions since then.
The buildings that make up the monastery total about 18,000 square feet.
The interior of one of the rooms in the monastery.
Camera Head Media.
Along with achapel, prayer areas, and living quarters for the monks, there are additional buildings that were built during expansion, like barns, sheds, and an old schoolhouse.
There's also a retreat center where events are held.
However, the living quarters are sparsely occupied today.
A lone residential building among the trees.
Camera Head Media.
According to Mirr, only about six monks still live on the property. More than a dozen monks lived there in the late 1950s.
"That is part of the reason they're shutting down," Mirr said. "There are just not as many gentlemen in the world — at least in the United States — who want to become monks. And it's just much more of a facility now that they can manage.""
The monastery is hardly in use these days.
The interior of one of the monastery buildings.
Camera Head Media.
On Sundays, the monastery still holds mass for the public.
But the next buyer doesn’t have to be a monk.
The exterior of one of the monastery buildings.
Camera Head Media.
"Somebody can have a different idea of what can be done," Mirr said. "Some people say, 'Does this have to be a faith-based enterprise advisor?' Well, maybe there could be a combination of uses out here, too."
Mirr tries to be realistic with the real-estate developers who have approached him.
An aerial view of the green landscape of the property.
Camera Head Media.
One developer approached him with dreams of building a swanky private club, Mirr said.
"When a developer comes up, and they say, 'Oh, we're going to try to go after this many homes or make it like a Yellowstone Club.' And maybe in any other area that could work, but we just know it won't likely work here," Mirr added. "Why go through the brain damage of going through a county approval process that's subject to public scrutiny that would just taint the property?"
The buyer should expect to spend a lot of time maintaining the property — or at least be prepared to pay someone to do it.
Fenced-in horses on the ranch.
Camera Head Media.
"The owner won't be there 24/7, 365 days a year," Mirr said. "But they will have a rancher that will manage the ranch subject to a grazing plan."
There is a local rancher that takes care of the property and takes into account wildlife conservation, water irrigation, and cattle, Mirr added.
There are about 1,500 acres of irrigated land from the snowpack of the surrounding mountains that support the property.
A creek that runs through the 3,700-acre property.
Camera Head Media.
The property has water rights that date back to the 1800s, and the water carries to the Colorado River.
"Water is important, and certainly they mainly use it for growing hay, but that ground that is irrigated helps support wildlife habitat and other things for the area — and it'sjust a great amenity," Mirr said.
Buyers who want to turn the monastery land into a residential compound might be out of luck.
An aerial view of the monastery buildings.
Camera Head Media.
Mirr said that unlike a state like Texas, which sometimes allows basically unfettered building on wide open spaces,Pitkin County has a "growth management quota system," which essentially sets limits each year on the amount of square footage that can be built in a neighborhood.
"Ultimately, somebody who buys this will have to work with the county onsome level," he said. "Either accept what they're going to give you, or negotiate with them through a process called the Open Space Master Plan Concept or something similar where you can have a negotiated settlement and still provide a lot of conservation results and outcomes."
While Mirr has fielded a small number of serious inquiries, he’s looking for a buyer that makes sense for the property.
A barn on the property.
Camera Head Media.
"You can count them on two hands," he said. "Our focus really is to look at a conservation buyer, ultimately, who can work with the code and work with the open space."
Mir added that an eventual buyer could build "a family compound or something of that nature, where you could build home sites, and you could build more barns and outbuildings."
Snowmass, Colorado, is about 15 miles outside Aspen, which drove the asking price up.
A look at the wide open valley.
Camera Head Media.
"If this were 3,800 acres in central Colorado, nowhere near here, it would take on a much different valuation," Mirr said.
Pricing the property was difficult as there are not a lot of similar properties nearby.
A building with the mountains in the background.
Camera Head Media.
Snowmass Falls Ranch, a 650-acre parcel in the same county, sold to the county for $34 million earlier this year.
The monastery is more than five times its size, but it helped Mirr get a sense of an appropriate asking price.
Mirr anticipates that the monastery's buyer will be someone who wants access to Aspen's skiing — and its wealthy, high-profile residents and visitors.
Another residential building on the property.
Camera Head Media.
"Aspen's an international city," he said. "If you look at the people who own properties in Aspen, they're from all over the world ‚ a much more diverse buying pool than any other city in Colorado for sure."
A recent note out of Morgans reveals that its analysts are feeling positive about this property company and see it as an ASX dividend stock to buy.
In fact, the broker has put Cedar Woods’ shares on its best ideas list with an add rating and $5.60 price target.
Morgans thinks that the company’s shares are undervalued and deserve to trade on higher multiples. The broker explains:
CWP is a volume business and the demand for lots looks to be improving, with margins to invariably follow. CWP’s exposure to lower priced stock in higher growth markets sees further potential to drive earnings. On this basis, we see every reason for CWP to trade at NTA and potentially at a premium, were the housing cycle to gain steam through FY25/26.
In respect to dividends, Morgans is forecasting dividends per share of 18 cents in FY 2024 and then 20 cents in FY 2025. Based on the current Cedar Woods Properties share price of $4.80, this will mean dividend yields of 3.75% and 4.2%, respectively.
Analysts at Goldman Sachs are tipping insurance giant Suncorp as an ASX dividend stock to buy right now.
The broker currently has a buy rating and $18.00 price target on the insurance giant’s shares.
Goldman is feeling positive about the company due to tailwinds in the general insurance market and potential capital returns. It said:
We are favourably disposed to Suncorp, noting in large part the tailwinds that exist in the general insurance market – i.e., very strong renewal premium rate increases and the benefit of higher investment yields. We think the strong rate momentum that SUN is getting should offset any volume pressures. SUN’s underlying margins are also expected to stay within 10-12% despite higher reinsurance costs, increased perils allowances and lower reserve release assumptions as SUN benefits from significant price increases. Further, we note that we could start to see more meaningful benefits to margin from underlying claims inflation abating. Separate to our thesis, we also see possible catalysts on the horizon for SUN including capital return post the bank sale, if completed.
As for income, Goldman expects this to support the payment of fully franked dividends per share of 79 cents in FY 2024 and then 85 cents in FY 2025. Based on the Suncorp share price of $17.03, this will mean yields of 4.6% and 5%, respectively.
Should you invest $1,000 in Cedar Woods Properties Limited right now?
Before you buy Cedar Woods Properties Limited shares, consider this:
Motley Fool investing expert Scott Phillips just revealed what he believes are the 5 best stocks for investors to buy right now… and Cedar Woods Properties Limited wasn’t one of them.
The online investing service heâs run for over a decade, Motley Fool Share Advisor, has provided thousands of paying members with stock picks that have doubled, tripled or even more.*
And right now, Scott thinks there are 5 stocks that may be better buys…
Motley Fool contributor James Mickleboro has no position in any of the stocks mentioned. The Motley Fool Australia’s parent company Motley Fool Holdings Inc. has positions in and has recommended Goldman Sachs Group. The Motley Fool Australia has no position in any of the stocks mentioned. The Motley Fool has a disclosure policy. This article contains general investment advice only (under AFSL 400691). Authorised by Scott Phillips.
It’s pleasing to receive annual passive income without having to do any work.
An investor with $20,000 to invest in ASX dividend shares can unlock a pleasing level of cash flow. But, we shouldn’t expect to generate enough income to retire with $20,000 instantly.
Income-seeking investors want a generous ASX dividend yield from their investments â a 2% dividend yield isn’t going to cut it. However, trying to find stocks that yield above, say, 10%, can be dangerous because that may not be sustainable.
Finding the right balance
It’s important to understand why businesses have a high dividend yield before we buy them.
Does a stock have a high yield because the share price has been crunched, profit is falling, and the next dividends are going to be smaller?
Is the yield currently high, but the company is in a very cyclical industry, and therefore, the dividend is unreliable?
Or perhaps the stock is wrongly undervalued by the market and it can maintain that level of dividend payments for the foreseeable future?
One major factor to consider is the dividend payout ratio â how much of the company’s annual profit is paid as dividends. The higher the payout ratio, the higher the ASX dividend yield, but also the less that’s being retained in the company to reinvest for future growth.
Some businesses are capable of growing earnings and sustaining a very high dividend payout ratio, while others may need to keep some profit just to keep next year’s earnings at a similar level.
ASX dividend shares I’d choosefor yield
I’d go for businesses that are expected to have a high ASX dividend yield for the foreseeable future and can deliver earnings growth.
Telstra Group Ltd (ASX: TLS) shares could provide a large dividend yield, supported by growing earnings amid rising mobile prices and subscriber growth. According to Commsec, the telco is expected to pay a grossed-up dividend yield of 7.1% in FY25, with further growth in FY26.
Metcash Ltd (ASX: MTS) supplies various independent food and liquor retailers, including IGA, IGA Liquor, Bottle-O, Cellarbrations and Porters Liquor. It also owns hardware businesses, including Mitre 10, Home Timber & Hardware and Total Tools. Population growth and a recovery of hardware earnings are potential future tailwinds. Commsec estimates imply a grossed-up dividend yield of 8% in FY25 and growth in FY26.
Medibank Private Ltd (ASX: MPL) is the largest private health insurer. It’s benefiting from rising premiums, strong investment returns on its assets and growing subscriber numbers. Commsec numbers suggest a grossed-up dividend yield of 6.6% in FY25, with further growth in FY26.
Universal Store Holdings Ltd (ASX: UNI) is a retailer of premium youth fashion. It has grown its dividend each year since 2021, when it started paying one. The business can benefit from an ongoing store rollout and an eventual recovery of household retail spending. Commsec numbers suggest a forecast grossed-up dividend yield of 7.7% in FY25 and an even bigger dividend in FY26.
I think that’s a good starting point for an ASX dividend portfolio. The forecast average grossed-up dividend yield for FY25 of the stocks I’ve mentioned is about 7.3%, so a $20,000 investment spread evenly between them would generate $1,460.
Should you invest $1,000 in Medibank Private Limited right now?
Before you buy Medibank Private Limited shares, consider this:
Motley Fool investing expert Scott Phillips just revealed what he believes are the 5 best stocks for investors to buy right now… and Medibank Private Limited wasn’t one of them.
The online investing service heâs run for over a decade, Motley Fool Share Advisor, has provided thousands of paying members with stock picks that have doubled, tripled or even more.*
And right now, Scott thinks there are 5 stocks that may be better buys…
Motley Fool contributor Tristan Harrison has positions in Metcash. The Motley Fool Australia’s parent company Motley Fool Holdings Inc. has no position in any of the stocks mentioned. The Motley Fool Australia has positions in and has recommended Telstra Group. The Motley Fool Australia has recommended Metcash. The Motley Fool has a disclosure policy. This article contains general investment advice only (under AFSL 400691). Authorised by Scott Phillips.
Luke Newton as Colin Bridgerton and Nicola Coughlan as Penelope Featherington in "Bridgerton" season three.
Liam Daniel/Netflix
"Bridgerton" season three adapts Julia Quinn's fourth novel from the "Bridgerton" book series.
However, the show's plot strays quite a lot from "Romancing Mister Bridgerton."
Here are the seven best and seven worst changes the TV show made.
"Bridgerton" season three might be based on "Romancing Mister Bridgerton," but the Netflix series took some major liberties with the source material.
Season three follows the general book plot by adapting the friends-to-lovers romance between Penelope Featherington (Nicola Coughlan) and Colin Bridgerton (Luke Newton). But the rest of the story is filled with changes, including the love triangle in season three, part one.
This is not uncommon for "Bridgerton," which has been a roaring success since its first season and is one of Netflix's most-watched series ever.
Here are the best and worst changes "Bridgerton" season three made from the books.
Best: Cressida and Eloise's friendship
Eloise forges a new friendship with Cressida in season three of "Bridgerton."
Liam Daniel/Netflix
In "Romancing Mister Bridgerton," Cressida Cowper is a one-note bully of London's high society, and she never becomes friends with Eloise Bridgerton, Colin's younger sister.
However, in the series, the writers evolve Cressida (Jessica Madsen) as a character through her friendship with Eloise (Claudia Jessie). We learn that Cressida bullies others due to her insecurity of not having any friends or suitors.
We also learn that Cressida is in a tough position because her parents insist on her finding a suitor. She needs a husband to escape her family.
Cressida develops from the one-note bully to a fully realized woman trying to survive in the Ton.
The friendship also develops Eloise. Since season one, she has been a self-obsessed, slightly insensitive, reckless young lady. She doesn't listen to anyone's advice until her friendship with Cressida, and the audience can see her maturing this season.
Best: The addition of Lord Debling
Penelope (Coughlan) and Lord Debling (Sam Phillips) in "Bridgerton" season three.
Netflix
In "Romancing Mister Bridgerton," most of the tension in Penelope and Colin's relationship comes from his realization that she's Lady Whistledown.
But the timelines are a bit different in season three of the show. To up the urgency, "Bridgerton" instead creates a romantic rival: Lord Debling. Like Penelope, Lord Debling is looking for a match — but he seeks a practical, rather than romantic, one given that he plans on traveling for years at a time. For Penelope — a.k.a. the Ton's most prolific gossip columnist — that's pretty ideal, even if she'd prefer love.
It's nice to see someone genuinely interested in Penelope (other than Colin, after he gets his act in gear), and Sam Phillips' Lord Debling is a great mix of polished, detached, and a little bit odd. Seeing Colin jealous is pretty delightful, too.
Best: Francesca Bridgerton makes her debut this season
Francesca Bridgerton in season three.
Netflix
Francesca Bridgerton is the not-so-secret second lead of "Bridgerton" season three. Hannah Dodd takes over the role from Ruby Stokes, who departed after the show's second season, and handles Francesca's debut with aplomb.
Francesca's storyline this season is different from what we've seen from the other "Bridgerton" couples, due in part to the fact that her true love story in the books is still yet to come. Contrary to her mother's aspirations, Francesca isn't set on a love match — she mostly wants a kind husband and a good life. Still, she finds a kindred spirit in Lord Kilmartin, a man who prefers to bond in silence and rearranges music for her at the drop of a hat.
This part of Francesca's story takes place on a different timeline in the books vis-à-vis Penelope and Colin's. But it's great to see her develop a relationship and get more space as a character prior to her eventual time as a romantic lead.
Best: Gender-swapping Michaela Stirling
Victor Alli as John Stirling and Masali Baduza as Michaela Baduza in the season three finale of "Bridgerton."
In "When He Was Wicked," Francesca's book in the series, she eventually falls in love with John's cousin Michael after John's death two years into their marriage. But in the season three finale, John introduced Francesca to Michaela — and Francesca was visibly smitten.
Changing Michael's gender, and therefore key elements of his and Francesca's story, has proven to be divisive for book fans, though Quinn publicly stands behind it. But Francesca's story does easily lend itself to a queer interpretation, and it's huge for "Bridgerton" to set up a queer relationship for one of the siblings.
Best: The balloon incident
The balloon incident is a great moment for Colin, let's be real.
Liam Daniel/Netflix
Every "Bridgerton" man needs a good opportunity to showboat, and this is Colin's.
Before a hot-air balloon launch, an unmoored rope and an unusually windy day cause the balloon to drift off. Colin, his forearms exposed, grabs one of the ropes and rallies a group of men to heave the balloon and its basket back onto the platform.
This scene has everything: a brute display of strength, Penelope almost getting caught in the balloon's path because she was busy staring at Colin, and Lord Debling chivalrously protecting her from harm. Colin receives plenty of adoration from the audience, but he only has eyes for Penelope. If only he understood that he was in love with her!
This incident doesn't happen in "Romancing Mister Bridgerton," but it's the perfect dose of jealousy-tinged frivolity that we need in "Bridgerton."
Best: Violet Bridgerton's romance
Daniel Francis as Lord Anderson, Adjoa Andoh as Lady Danbury, and Ruth Gemmell as Lady Violet Bridgerton on season three, episode four of "Bridgerton."
Liam Daniel/Netflix
The first two seasons and "Queen Charlotte: A Bridgerton Series" have been mainly focused on young people falling in love. The same situation occurs in the "Bridgerton" books.
But in season three, we finally get a hint at an older love story with the burgeoning flirtation between Violet Bridgerton (Ruth Gemmell) and Lord Marcus Anderson (Daniel Francis).
It is really great to see one of the show's best older characters get a romance. Violet and Lord Marcus have both been widowed, so it would be a great opportunity for the series to develop a "second love" relationship.
"Bridgerton" hasn't gone full out on this relationship just yet — but there's a lot of potential going forward.
Best: Making Benedict queer
Luke Thompson as Benedict Bridgerton on season three, episode seven of "Bridgerton."
Liam Daniel/Netflix
This may not have been Benedict's season, but the writers' room didn't leave him hanging. The show has periodically teased that Benedict may not be straight, and this season, it finally pulled through by sending him tumbling into the sheets with Lady Tilley Arnold and her friend Paul. Benedict's queer! All rejoice!
Benedict is now firmly in his fling era, which is a bit at odds with the fact that it seems like his romance is due next season. But whatever — it's fun enough that "Bridgerton" finally opened up this side of his character.
Worst: Benedict is still single and lost
Luke Thompson as Benedict Bridgerton on season three, episode two of "Bridgerton."
Liam Daniel/Netflix
The other side of the threesome coin: Benedict is still a bachelor.
By "Romancing Mister Bridgerton," Benedict had found his lover and was already married.
However, the "Bridgerton" TV series skipped his romance for now, so he is still single and lost. While Benedict's casual relationships were fun in the first season, it was a little disappointing to postpone Benedict's romance to give him another fling.
Benedict is one of the best Bridgertons. We want to see his love story!
Worst: Lady Danbury doesn't have a friendship with Penelope
Daniel Francis as Lord Anderson, Adjoa Andoh as Lady Agatha Danbury on season three, episode four of "Bridgerton."
Liam Daniel/Netflix
One of the best past of "Romancing Mister Bridgerton" was Penelope's friendship with Lady Danbury (Adjoa Andoh), a wise, independent widow in the Ton.
She was part of Penelope's transition coming out of her shell, and their conversations always showed that Penelope was so much braver than she thought. Their interactions are among the few insights into Lady Danbury's personality in the book series since she is a more minor character there.
Though Lady Danbury has been more developed in the TV series, she doesn't interact with Penelope much. Pen is left to fend for herself without any friends this season other than Colin, though Lady Danbury supports her after she reveals her identity.
This allows Penelope to find the courage alone but doesn't help Lady Danbury's arc in season three. Lady Danbury randomly props up Francesca instead, but this pairing has no interesting interactions.
Worst: The Featherington sisters' baby race
Philippa and Prudence Featherington are under pressure to produce an heir.
Liam Daniel/Netflix
"Bridgerton" leaned pretty hard into the entire "these poor young women don't know how sex works" thing in season one. While potentially realistic, by season three it's become a bit tired.
Penelope's sisters, Prudence and Philippa, are both married, and their mother is putting pressure on both of them to produce a baby. If either of them had a son, that child would become the new Lord Featherington. That's particularly important, given that Lady Featherington herself is under threat from the Crown to have to transfer their estate to another family.
Unfortunately, Prudence and Philippa are shockingly clueless when it comes to procreation. But by this point in time, the bumbling sex schtick is a bit tiresome. In "Romancing Mister Bridgerton," the Featherington heir race isn't a part of the plot — and while it's an understandable concern, it could do with a bit of nuance this season.
Luckily, by the end, all three Featherington sisters have managed to conceive. In a twist, it's Penelope who has given birth to the new Lord Featherington.
Worst: Penelope doesn't have a younger sister
Nicola Coughlan as Penelope Featherington on season three, episode one of "Bridgerton."
Liam Daniel/Netflix
In "Romancing Mister Bridgerton," Penelope isn't the youngest Featherington sister. In addition to Philippa and Prudence, she has a younger sister — Felicity.
Felicity is close friends with Hyacinth Bridgerton and serves as another conduit of information between the Bridgerton and Featherington families. In the book, Lady Featherington schemes to set Felicity up with Colin, a prospect that Penelope balks at. But Penelope and Felicity are close, and her friendship with Hyacinth is a regular sense of entertainment.
It's easy to see why Felicity isn't around in "Bridgerton" — frankly, there are plenty of characters to keep track of, and she doesn't play an irreplaceable role in Penelope's story. But Felicity's inclusion in the story adds a bit of levity through her friendship with Hyacinth. It also underscores the tensions within the Featherington family: Lady Featherington thinks much more highly of Felicity than she does Penelope.
Worst: Penelope and Colin are much younger than their book counterparts
Penelope and Colin finally take center stage in season three — but on a quicker timeline than in the books.
Liam Daniel / Netflix
The "Bridgerton" book series has bigger gaps of time between the events of each book. This means that by the time Penelope and Colin get to their love story in the fourth book, Penelope is 28, and Colin is 33.
Penelope's desperation to find a husband makes a lot more sense in the book: In that era, she would definitely be considered a spinster at 28.
Penelope is only in her third year in society in the TV series, so her desperation feels forced.
In addition, the timeline in the book version supports their rapid transition from friends to lovers. Colin would be mature enough to realize Penelope's beauty and have known her much longer. Therefore, he would have less hesitation in marrying her quickly.
Worst: The anti-climatic Lady Whistledown reveal
Penelope Featherington (Nicola Coughlan) admits the truth to Queen Charlotte (Golda Rosheuvel) in "Bridgerton" season three, episode eight.
Liam Daniel / Netflix
This is a tricky one, because the Whistledown reveal in "Romancing Mister Bridgerton" is also a bit wonky. In the book, it's Colin who presents his wife as Lady Whistledown at his sister Daphne's ball — and he does so without Penelope knowing that he's going to do it.
In the show, Penelope decides to reveal herself by confessing to Queen Charlotte and asking to justify herself to the public. It means that Penelope gets to divulge the information more on her own terms. But the reveal ends up feeling rather anti-climactic on screen. Philippa Featherington ends the awkward moment with her now-iconic, "Now, Varley, the bugs," but the entire sequence comes off abrupt.
That's not to say the reveal in the book is perfect — but there's something to be said for the romance of Colin making sure the entire Ton knows that his wife doesn't stand alone.
Worst: Cressida finds out about Lady Whistledown mostly by chance
Jessica Madsen as Cressida Cowper in season three, episode seven of "Bridgerton."
Liam Daniel/Netflix
In "Romancing Mister Bridgerton," Cressida figures out that Penelope is Lady Whistledown due to Penelope's own error. Penelope says that it would "break my heart" if Cressida turned out to be Whistledown after she publicly makes the claim. Later, Penelope repeats the same turn of phrase in a column.
"She is nothing more than a scheming imposter, and it would break my heart to see my years of hard work attributed to one such as her," Penelope writes.
Cressida catches the mistake and figures out Penelope's identity, highlighting both her own cleverness and Penelope's carelessness.
The show goes for a more direct approach. Cressida learns about Whistledown from a printer who tells Cressida that Whistledown is a redhead.
Sure, we end up in the same place — but it's a bit more fun when Penelope's hubris is almost the cause of her undoing.
"Bridgerton" season three is available to stream on Netflix.