American Express benefits and offers can be found on their website. Breaking a lease may occur due to job relocation or financial struggles. Unpaid debt from a broken lease can harm your credit if reported to a collection agency. To prevent this, pay termination fees and outstanding charges. Communicate with your landlord about financial hardships and negotiate fees. Propose finding a new tenant or consider subletting to avoid penalties. Maintaining a good credit score is crucial for future financial opportunities.

Mortgage rates have been high due to various factors, but with speculation of a rate cut, it's crucial to avoid mistakes this July. Errors to avoid include not monitoring rate changes, considering adjustable-rate mortgages over fixed rates, and not shopping around for lenders to potentially save money. By being vigilant and making informed choices, homebuyers and homeowners can navigate the evolving rate climate successfully.

When your mortgage balance exceeds your home's value, it's considered underwater. Strategies to deal with this include staying put to build equity, exploring refinancing options, considering a short sale, opting for a loan modification, or a strategic default. Refinancing and selling may be challenging due to the home's value. Programs like HARP and HIRO could help, but eligibility criteria apply. It's advised to keep up with mortgage payments to maintain eligibility for assistance programs.