Personal finance

FILE - In this Jan. 13, 2021, file photo, health care workers receive a COVID-19 vaccination at Ritchie Valens Recreation Center, Wednesday, Jan. 13, 2021, in Pacoima, Calif. The rapid expansion of vaccinations to senior citizens across the U.S. has led to bottlenecks, system crashes and hard feelings in many states because of overwhelming demand for the shots. (AP Photo/Marcio Jose Sanchez, File)

FILE - In this Wednesday, Jan. 13, 2021, file photo, a customer shows off a Mega Millions lottery ticket after purchasing it, in Orlando, Fla. The nation’s two national lottery games are designed to produce immense jackpots that generate huge sales, and the recipe certainly is working now as prizes on Thursday reached a combined $1.39 billion. The next drawing for Mega Millions is Friday night, when a $750 million prize will be up for grabs. (AP Photo/John Raoux, File)

FILE - This Nov. 12, 2018 file photo hows a store sign at a Petco store in Chicago. Petco, the San Diego-based pet store chain, went public again Thursday, Jan. 14, 2021 hoping to bank on people’s obsession with their furry friends. Petco’s stock, which opened at $18 Thursday, rose 66% to $29.89 in afternoon trading, valuing the company at more than $6 billion. (AP Photo/Kiichiro Sato, File)

FILE - In this April 23, 2020 file photo, President Donald J.Trump's name is printed on a stimulus check issued by the IRS to help combat the adverse economic effects of the COVID-19 outbreak in San Antonio. The IRS said that after initial problems, it is getting more of the second round of relief payments to taxpayers. A number of people who filed their taxes with an online preparation service initially found that their economic impact payment did not make it to them directly. (AP Photo/Eric Gay)

This photo provided by Ben & Jerry’s shows Ben & Jerry’s dog treats. The venerable Vermont ice cream company said Thursday, Jan. 7, 2021, it’s introducing a line of frozen dog treats, its first foray into the lucrative pet food market. The treats, sold in 4-ounce cups, will arrive in U.S. groceries and pet stores later this month. (Ben & Jerry’s via AP)

A home for sale is seen Tuesday, Dec. 8, 2020, in Orlando, Fla. U.S. long-term mortgage rates declined this week to new record lows for the first week of 2021. The year opens against the continuing backdrop of damage from the coronavirus pandemic on the U.S. and global economies, which suppressed home loan rates through most of 2020. (AP Photo/John Raoux)

FILE - In this Oct. 14, 2010 file photo, musician Prince holds a news conference at The Apollo Theater announcing his "Welcome 2 America" tour in New York. The ongoing controversy over the money left behind by Prince when he died without a will is heating up again after Internal Revenue Service calculations showed that executors of the rock star's estate undervalued it by 50%, or about $80 million. (AP Photo/Peter Kramer, File)

FILE - In this June 5, 2020 file photo, President Donald Trump poses for a photo after signing the Paycheck Protection Program Flexibility Act during a news conference in the Rose Garden of the White House in Washington. Thousands of minority-owned small businesses were at the end of the line in the government’s coronavirus relief program as many struggled to find banks to accept their applications. Or, they were disadvantaged by the program's terms. Data from the Paycheck Protection Program analyzed by The Associated Press show many minority owners desperate for a loan didn’t receive one until the PPP's last weeks. (AP Photo/Evan Vucci, File)

FILE - In this Jan. 8, 2020 file photo, debris litters the scene where a Ukrainian plane crashed in Shahedshahr southwest of the capital Tehran, Iran. Iran’s cabinet has created a compensation fund to pay the families of the 176 victims of the Ukrainian passenger plane that was shot down by Iranian forces outside Tehran last January, the president announced Wednesday, Dec. 30. (AP Photo/Ebrahim Noroozi, File)