Personal finance

People wearing masks as a precaution against the coronavirus shop at a market ahead of Hindu festivals in Jammu, India, Thursday, Oct.29, 2020. India's confirmed coronavirus caseload surpassed 8 million on Thursday with daily infections dipping to the lowest level this week, as concerns grew over a major Hindu festival season and winter setting in. (AP Photo/Channi Anand)

A "sold" sign sits on a lot as new home construction continues in Westfield, Ind., Friday, Sept. 25, 2020. U.S. long-term mortgage rates were little changed this week of Oct. 29, after marking a new all-time low last week. Home loan rates have declined through the year amid economic anxiety in the recession set off by the coronavirus pandemic. (AP Photo/Michael Conroy)

FILE - In this Tuesday, Sept. 15, 2020, file photo, passers-by examine a storefront window in Boston's fashionable Newbury Street shopping district. U.S. consumer confidence dipped slightly in October as a new wave of coronavirus cases began across the country. The Conference Board reported Tuesday, Oct. 27, 2020, that its consumer confidence index fell to a reading of 100.9, from 101.8 in September. (AP Photo/Steven Senne)

A newly constructed home is shown for sale, Thursday, Oct. 15, 2020, in Surfside, Fla. U.S. home prices posted a robust gain in August — another sign that the American housing market remains strong despite economic fallout from the coronavirus pandemic. (AP Photo/Wilfredo Lee)

UAE Minister of State for Food and Water Security Mariam al-Muhairi, left, receives a gift from Erel Margalit, founder and chairman of Jerusalem Venture Partners, JVP, at the headquarter of the Government Accelerators in Dubai, United Arab Emirates, Tuesday, Oct. 27, 2020. Another plane full of Israeli business people excited about their newfound access to the UAE has touched down in Dubai this week. It's the latest whirlwind trip seeking to cash in on a U.S.-brokered deal to normalize relations between the countries. (AP Photo/Kamran Jebreili)

FILE - In this June 23, 2020, file photo, President Donald Trump tours a section of the border wall in San Luis, Ariz. During his 2016 primary run, Trump sought to mark his ground as a hard-line immigration enforcer who would build “a great, great wall on our southern border.” Nearly four years later, Trump still has work to do completing his wall and much that has been completed has been paid by U.S. taxpayers despite promises otherwise. (AP Photo/Evan Vucci, File)

FILE - This Aug. 11, 2019 file photo shows an American Express card in New Orleans. American Express’ fourth-quarter profits dropped by 39%, the credit card giant said Friday, Oct. 23, 2020, as the pandemic’s deep impacts on travel, entertainment and dining dramatically impacted the company’s results. (AP Photo/Jenny Kane)

A woman walks past a personal finance loan office Thursday, Oct. 1, 2020, in Franklin, Tenn. Consumers, by and large, improved their credit profile during the pandemic. Helped by federal stimulus payments, expanded unemployment benefits, lender relief agreements and a shift in habits, Americans used less credit, paid down debt, made fewer late payments and improved their credit scores. (AP Photo/Mark Humphrey)

From l-r., first lady Melania Trump, President Donald Trump, moderator Kristen Welker of NBC News, Democratic presidential candidate former Vice President Joe Biden and his wife Jill Biden on stage at the conclusion of the second and final presidential debate Thursday, Oct. 22, 2020, at Belmont University in Nashville, Tenn. (AP Photo/Patrick Semansky)

A for sale sign stands in front of a house, Tuesday, Oct. 6, 2020, in Westwood, Mass. U.S. long-term mortgage rates slipped this week as the key 30-year loan marked a new all-time low for the 11th time this year. Home loan rates have notched a year-long decline amid economic anxiety in the recession set off by the coronavirus pandemic. (AP Photo/Steven Senne)