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WWE TLC 2020: How to watch, start times, full card and WWE Network
WWE TLC 2020: How to watch, start times, full card and WWE Network
After a garbage year, WWE is treating us with a promising main event: On Sunday, Drew McIntyre defends his WWE Championship against AJ Styles at the TLC pay-per-view event. It looks to be spectacular, as not only are both guys great performers, they'll compete in a Tables, Ladders and Chairs match.
It's one of two world championship TLC matches, as Roman Reigns will also defend his Universal Championship against Kevin Owens.
Rounding out the headlining matches is Randy Orton's Firefly Inferno bout against "The Fiend" Bray Wyatt. Fiend matches tend to be weak, and these two had a notoriously poor WrestleMania match a few years ago (brought down by wacky Bray Wyatt theatrics. So... it'll be interesting, at the very least.
Start times
TLC will emanate from WWE's ThunderDome which, after a four month residence in Orlando's Amway Center, is now held in Florida's Tropicana Field stadium. The main card starts both days at 7 p.m. ET/4 p.m. PT. If you're a paid WWE Network subscriber -- at $9.99 a month -- you can watch TLC live for no extra cost. Otherwise, you'll need to contact your local cable provider.
Viewers in the UK will have to stay up late to watch Hell in a Cell; the show starts 11 p.m. Sunday UK time. Hell in a Cell starts for Australians at 11 a.m. AEDT on Monday.
Proceed with caution...
WWE
Match card
WWE Championship Tables, Ladders and Chairs match: Drew McIntyre (c) vs. AJ Styles.
Universal Championship Tables, Ladders and Chairs match: Roman Reigns (c) vs. Kevin Owens.
Firefly Inferno match: "The Fiend" Bray Wyatt vs. Randy Orton.
SmackDown Women's Championship match: Sasha Banks (c) vs. Carmella.
Women's Tag Team Championship match: Nia Jax and Shayna Baszler (c) vs. Asuka and a TBA partner.
Raw Tag Team Championship match: The New Day (c) vs. The Hurt Business.
Kickoff Show match: Daniel Bryan, Big E, Otis and Gable vs. Cesaro, Shinsuke Nakamura, Baron Corbin and Sami Zayn.
How to watch: WWE Network
You can start (or restart) a subscription to the WWE Network here:
The monthly price is $9.99 (US) or £9.99 (UK). New subscribers used to get a free month, but that's no longer the case now that there's a free tier (which pay-per-view events aren't covered by, sadly).
The WWE Network app is available on Roku, Xbox One, PlayStation 4, Amazon Fire TV, Amazon Kindle Fire, Apple TV, iOS and Android.
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The Worst Credit Card Mistakes You Should Stop Making
The Worst Credit Card Mistakes You Should Stop Making
There are several important benefits of using a credit card to shop. You can earn rewards, build your credit and take advantage of travel points and perks. But while shopping with a credit card can be convenient, there are also certain risks you need to be aware of.
If you pay a card late or don't pay your balance in full, you can incur fees and extra interest charges that make your purchases more expensive in the long run, especially considering today's rising interest rates, fueled by skyrocketing inflation. You could also wind up jeopardizing your credit score, which could make it harder to buy a house or get a loan.
So what are the biggest mistakes well-meaning people commonly make with their credit cards -- and what can you do to avoid financial pitfalls? I spoke with experts for their suggestions, and identified some of the most dangerous credit card behaviors. For more, learn how to get out of credit card debt and why now is the right time to pay off your credit cards.
Paying your credit card bill late
Missing a payment or making a late payment on a credit card is a major no-no. Colleen McCreary, a consumer financial advocate at Credit Karma, says this is the most common mistake people make with credit cards. Your payment history is a major factor of your credit rating and accounts for more than 30% of your overall score, McCreary said in an email.
A late payment is a one-way ticket to ruining your credit, and the ding on your report won't go away for seven years. Even worse, if your credit card bill remains unpaid, your creditor could sell your debt to a collection agency, which could tank your credit rating.
The best way to avoid late fees is to set a monthly reminder to pay your bill, and at least make the minimum payment. Most credit card companies will also let you set up monthly auto-payments, so you won't skip a beat. If you're worried you may not have enough each month to cover an autopayment, remember you can always set it to pay out the minimum, the full balance or a specified amount.
The credit bureau Experian notes that some credit card issuers may provide a short grace period for late payments, while others will mark your payment late as soon as you miss your due date.
If you do pay your credit card bill on time regularly and accidentally miss one payment, call your bank as soon as possible to see if it will offer one-time forgiveness, provided you pay in full at the time of your call. Your bank might refund your late fee and interest, but it isn't required to do anything.
While some credit card companies may mark your payment late after one day, those late payments are not reported to credit bureaus for 30 days, according to credit reporting company Equifax, If you act quickly to change your issuer's decision to mark your payment late, you could avoid damaging your credit score. If you're unable to pay your bill, you can also ask your issuer if it can create a payment plan for you.
Stop paying your credit card bill late
Sarah Tew/CNET
Maxing out your credit cards
After payment history, the second biggest factor in determining your credit score is the percentage of available credit that you are currently using. Called the "credit utilization ratio," this factor is calculated by dividing the amount you currently owe by your total credit limit, or your maximum borrowing potential.
Maintaining a high balance on your credit card compared to your total credit limit will increase your total percentage of credit used and hurt your credit score.
You usually want to keep your credit utilization ratio under 30% for a good credit score, though less is better. A good rule of thumb is to use 10% of your total credit limit and pay it off each month so you're not carrying a balance. For example, if your credit limit is $5,000, you wouldn't want to borrow more than $1,500 and ideally $500 or less.
If you find your credit card limit is too low -- for example, the amount you want to charge to your card exceeds the total you can charge on a given card -- you can always ask your credit card issuer for an increase.
Maxing out credit cards could also cost you big money if you can't pay off the total by the payment deadline. "The higher your outstanding balance (the amount of money you owe), the more interest you'll pay, which can make it even more difficult to climb out of debt," McCreary said.
Making only the minimum payment on your credit card
Your minimum payment is the lowest amount that your credit card issuer will allow you to pay toward your credit card bill for any given month -- for example, $50. The minimum monthly payment is determined by the balance on your credit card (what you owe at the end of the pay period) and your interest rate. It's generally calculated as either 2 to 4% of your balance, a flat fee or the higher amount between the two.
Making only minimum payments is one of the most common credit card mistakes, according to Katie Bossler, a quality assurance specialist at GreenPath financial wellness.
Although making minimum payments on time is still far better than paying late or ignoring your bill, paying only the minimum can cause interest to build, making it much more difficult to pay off your balance completely.
For example, if you have a $2,000 balance with a minimum payment of $50 on a credit card with an APR (annual percentage rate) of 14.55%, it will take 56 months (or almost five years) to pay off your debt, and you'll end up paying a total of $753 in interest. However, if you make a plan to pay the balance off in a year, your payments would be $180, and you'd only pay $161 in interest.
It only gets worse as the APR goes up -- at a relatively high but not unreasonable rate of 25%, a minimum payment of $50 would take 87 months (or a little more than seven years) to pay off a $2,000 debt, with a sizable $2,344 in interest payments. Meanwhile, upping the monthly payments to the same $180 would pay off your debt in 13 months, and cost only $281 in interest.
Here's an example of how making more than minimum payments can save you significant money in interest.
How minimum payments lead to higher interest
Credit card balance
Annual percentage rate
Monthly payment
Time needed to pay balance
Additional interest paid
$2,000
14.55%
$50
4.7 years
$753
$2,000
14.55%
$180
1 year
$161
$2,000
25%
$50
7.3 years
$2,344
$2,000
25%
$180
1.1 years
$281
The best way to avoid paying any interest at all on your credit cards is to pay off your full balance each month. If you can't do that, Bossler, the quality expert from GreenPath financial advisors, suggests pausing use of the credit card while you're paying it off, and paying more than the minimum to do so.
Taking out a cash advance on your credit card
Withdrawing a cash advance with a credit card is a big mistake. "It's the most expensive way to pay for things," Bossler said. Cash advances are a method of borrowing money from your credit line to put cash in your pocket "now."
Convenient as it may be, a cash advance uses an interest rate that is typically significantly higher than your standard APR. Most cards will also include a transaction fee of 3 to 5%. "This is not the way to go," Bossler said.
If you receive a "convenience check" in the mail from a credit card company, be careful. It could be a cash advance offer that's best tossed in the recycle bin. If you need some extra cash, it might be better to think about starting a side hustle or taking out a personal loan with a lower interest rate. Budgeting apps can also help track your spending, so you can pull back on expenses that can wait.
Chasing credit card rewards with abandon
If you're thinking of opening a new credit card account to get money back on your purchases, you can best manage rewards by considering your lifestyle. Heavy travelers should look for a card with frequent flyer rewards. If you spend a lot of money on groceries or drive your car often, look for cash back rewards for spending at gas stations and grocery stores.
However, you shouldn't make spending decisions based on receiving rewards. "Credit cards shouldn't be used as a strategy for buying things," Bossler said. Many cards will require a minimum amount of purchases for special rewards, or a welcome bonus to tempt you into spending more than you can afford.
Credit cards with lucrative rewards can also charge higher annual fees, for example, $100 or even $500 a year. If you're not spending enough to earn that annual cost back in rewards, you might consider a card with no annual fee.
Credit card rewards can be a powerful financial tool when used wisely, but you'll need to be careful to avoid running up your balance. Thomas Nitzsche, senior director of Media and Brand at MMI, says he often sees people making the mistake of using credit cards for rewards while ignoring the growing interest on their balance. If you're chasing rewards at the expense of your budget, consider coming up with a plan to pay your balance down instead.
Your credit score can drop when you cancel your credit cards.
Sarah Tew/CNET
Not paying off big purchases during a 0% APR period
Whether you just opened a 0% APR credit card -- which offers interest-free debt for a specific promotional period -- or a balance transfer card -- a credit card designed to accept debt from other cards -- make sure you read the fine print. Oftentimes, there's a fee to transfer your existing balance, commonly 3% of the balances transferred. Also, the introductory 0% rate only lasts for so long, typically between six and 18 months. That means you've got a limited time to pay off your balance before a higher APR kicks in. (When it does, your monthly interest gets a lot more expensive.)
To create a simple repayment plan, take the amount you owe and divide it by the number of months in your 0% APR promo period. Then pay that amount monthly to completely pay off your balance while you are borrowing without interest. For example, if you buy a $300 TV using a credit card with 0% APR for six months, making $50 monthly payments will eliminate your debt before the no-interest period expires.
Using a 0% intro APR credit card can be a good strategy to pay off your debt or finance a large purchase, but it can be risky, too. While disciplined borrowers can effectively roll balances into new accounts with 0% intro APR, Nitzche says that many people who transfer their credit card balances only make minimum payments, which can result in spiraling debt and damaged credit, leading to a point when they can no longer get approval for new accounts.
Canceling your credit cards
Even if you have paid down your balance on a credit card, there are two big reasons why you shouldn't cancel your account. Closing your account would affect your length of credit history and credit utilization ratio, two important components of your credit score. (Remember, your credit utilization ratio is the percentage of your total available credit lines across all cards you're using.)
If you close an account you're not using, your total available credit line shrinks, making your credit utilization ratio higher.
Canceling older credit cards will also shorten your credit history, leading to a significant drop in your credit score. If you do decide to cancel some of your credit cards, it's best to leave the oldest account open, as well as the one with the highest credit limit to maintain your credit utilization ratio and prevent any damage to your credit score.
It's important to note that with inactivity, credit card issuers may automatically close your account. To avoid this, Nitzche says that it's best to use each of your credit cards once in a while for small purchases.
Applying for too many credit cards
You may have heard this advice before: Don't apply for too many credit cards at once. Each time you apply for a new credit card, your credit score can drop slightly due to a "hard" credit check.
Hard credit checks require your consent and involve a full credit summary from a credit bureau. "Soft" credit checks occur when you view your credit report or a financial company requests a summary without your consent, and they don't affect your credit score. They're used for purposes such as preapproved credit card offers.
When you authorize lenders to pull your credit history, you'll see a "hard" inquiry on your credit report. According to credit score company MyFICO, a hard pull will lower your credit score by about 5 points. While it will stay on your report for two years, the deduction to your score will usually be eliminated within a year.
Too many hard pulls on your credit in a short amount of time -- for example, applying for five store credit cards in one weekend -- could affect your credit rating more, as multiple inquiries indicate higher risks of insolvency or bankruptcy. Experian suggests waiting at least six months between applying for new lines of credit to avoid lowering your credit score.
Applying for too many credit cards at once can drop your credit score.
Sarah Tew/CNET
Not checking your billing statements regularly
How often do you check your monthly billing statement? It can be an eye opener to see how much money you really charge your credit card, especially if it's routinely more than you bring home each month.
Spending $20 here and there may not seem like a huge amount, but it can add up quickly. Remember that increasing your credit utilization ratio (your percentage of credit used) will lower your credit score and high balances will cost you more in interest. Plus, how do you know how much you've charged if you aren't tracking your spending?
Tracking your credit card spending isn't the only reason to check your billing statement. You should thoroughly comb through your transactions to make sure there aren't any potentially fraudulent charges you didn't make. The sooner you discover you're a victim of identity fraud, the sooner you can contact your card issuer to dispute the charges and take the necessary steps to secure your credit card account.
For more tips on using credit cards wisely, learn six ways to get the most from your credit card and how to pick the right credit card.
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The Worst Credit Card Mistakes You Should Stop Making
The Worst Credit Card Mistakes You Should Stop Making
There are several important benefits of using a credit card to shop. You can earn rewards, build your credit and take advantage of travel points and perks. But while shopping with a credit card can be convenient, there are also certain risks you need to be aware of.
If you pay a card late or don't pay your balance in full, you can incur fees and extra interest charges that make your purchases more expensive in the long run, especially considering today's rising interest rates, fueled by skyrocketing inflation. You could also wind up jeopardizing your credit score, which could make it harder to buy a house or get a loan.
So what are the biggest mistakes well-meaning people commonly make with their credit cards -- and what can you do to avoid financial pitfalls? I spoke with experts for their suggestions, and identified some of the most dangerous credit card behaviors. For more, learn how to get out of credit card debt and why now is the right time to pay off your credit cards.
Paying your credit card bill late
Missing a payment or making a late payment on a credit card is a major no-no. Colleen McCreary, a consumer financial advocate at Credit Karma, says this is the most common mistake people make with credit cards. Your payment history is a major factor of your credit rating and accounts for more than 30% of your overall score, McCreary said in an email.
A late payment is a one-way ticket to ruining your credit, and the ding on your report won't go away for seven years. Even worse, if your credit card bill remains unpaid, your creditor could sell your debt to a collection agency, which could tank your credit rating.
The best way to avoid late fees is to set a monthly reminder to pay your bill, and at least make the minimum payment. Most credit card companies will also let you set up monthly auto-payments, so you won't skip a beat. If you're worried you may not have enough each month to cover an autopayment, remember you can always set it to pay out the minimum, the full balance or a specified amount.
The credit bureau Experian notes that some credit card issuers may provide a short grace period for late payments, while others will mark your payment late as soon as you miss your due date.
If you do pay your credit card bill on time regularly and accidentally miss one payment, call your bank as soon as possible to see if it will offer one-time forgiveness, provided you pay in full at the time of your call. Your bank might refund your late fee and interest, but it isn't required to do anything.
While some credit card companies may mark your payment late after one day, those late payments are not reported to credit bureaus for 30 days, according to credit reporting company Equifax, If you act quickly to change your issuer's decision to mark your payment late, you could avoid damaging your credit score. If you're unable to pay your bill, you can also ask your issuer if it can create a payment plan for you.
Stop paying your credit card bill late
Sarah Tew/CNET
Maxing out your credit cards
After payment history, the second biggest factor in determining your credit score is the percentage of available credit that you are currently using. Called the "credit utilization ratio," this factor is calculated by dividing the amount you currently owe by your total credit limit, or your maximum borrowing potential.
Maintaining a high balance on your credit card compared to your total credit limit will increase your total percentage of credit used and hurt your credit score.
You usually want to keep your credit utilization ratio under 30% for a good credit score, though less is better. A good rule of thumb is to use 10% of your total credit limit and pay it off each month so you're not carrying a balance. For example, if your credit limit is $5,000, you wouldn't want to borrow more than $1,500 and ideally $500 or less.
If you find your credit card limit is too low -- for example, the amount you want to charge to your card exceeds the total you can charge on a given card -- you can always ask your credit card issuer for an increase.
Maxing out credit cards could also cost you big money if you can't pay off the total by the payment deadline. "The higher your outstanding balance (the amount of money you owe), the more interest you'll pay, which can make it even more difficult to climb out of debt," McCreary said.
Making only the minimum payment on your credit card
Your minimum payment is the lowest amount that your credit card issuer will allow you to pay toward your credit card bill for any given month -- for example, $50. The minimum monthly payment is determined by the balance on your credit card (what you owe at the end of the pay period) and your interest rate. It's generally calculated as either 2 to 4% of your balance, a flat fee or the higher amount between the two.
Making only minimum payments is one of the most common credit card mistakes, according to Katie Bossler, a quality assurance specialist at GreenPath financial wellness.
Although making minimum payments on time is still far better than paying late or ignoring your bill, paying only the minimum can cause interest to build, making it much more difficult to pay off your balance completely.
For example, if you have a $2,000 balance with a minimum payment of $50 on a credit card with an APR (annual percentage rate) of 14.55%, it will take 56 months (or almost five years) to pay off your debt, and you'll end up paying a total of $753 in interest. However, if you make a plan to pay the balance off in a year, your payments would be $180, and you'd only pay $161 in interest.
It only gets worse as the APR goes up -- at a relatively high but not unreasonable rate of 25%, a minimum payment of $50 would take 87 months (or a little more than seven years) to pay off a $2,000 debt, with a sizable $2,344 in interest payments. Meanwhile, upping the monthly payments to the same $180 would pay off your debt in 13 months, and cost only $281 in interest.
Here's an example of how making more than minimum payments can save you significant money in interest.
How minimum payments lead to higher interest
Credit card balance
Annual percentage rate
Monthly payment
Time needed to pay balance
Additional interest paid
$2,000
14.55%
$50
4.7 years
$753
$2,000
14.55%
$180
1 year
$161
$2,000
25%
$50
7.3 years
$2,344
$2,000
25%
$180
1.1 years
$281
The best way to avoid paying any interest at all on your credit cards is to pay off your full balance each month. If you can't do that, Bossler, the quality expert from GreenPath financial advisors, suggests pausing use of the credit card while you're paying it off, and paying more than the minimum to do so.
Taking out a cash advance on your credit card
Withdrawing a cash advance with a credit card is a big mistake. "It's the most expensive way to pay for things," Bossler said. Cash advances are a method of borrowing money from your credit line to put cash in your pocket "now."
Convenient as it may be, a cash advance uses an interest rate that is typically significantly higher than your standard APR. Most cards will also include a transaction fee of 3 to 5%. "This is not the way to go," Bossler said.
If you receive a "convenience check" in the mail from a credit card company, be careful. It could be a cash advance offer that's best tossed in the recycle bin. If you need some extra cash, it might be better to think about starting a side hustle or taking out a personal loan with a lower interest rate. Budgeting apps can also help track your spending, so you can pull back on expenses that can wait.
Chasing credit card rewards with abandon
If you're thinking of opening a new credit card account to get money back on your purchases, you can best manage rewards by considering your lifestyle. Heavy travelers should look for a card with frequent flyer rewards. If you spend a lot of money on groceries or drive your car often, look for cash back rewards for spending at gas stations and grocery stores.
However, you shouldn't make spending decisions based on receiving rewards. "Credit cards shouldn't be used as a strategy for buying things," Bossler said. Many cards will require a minimum amount of purchases for special rewards, or a welcome bonus to tempt you into spending more than you can afford.
Credit cards with lucrative rewards can also charge higher annual fees, for example, $100 or even $500 a year. If you're not spending enough to earn that annual cost back in rewards, you might consider a card with no annual fee.
Credit card rewards can be a powerful financial tool when used wisely, but you'll need to be careful to avoid running up your balance. Thomas Nitzsche, senior director of Media and Brand at MMI, says he often sees people making the mistake of using credit cards for rewards while ignoring the growing interest on their balance. If you're chasing rewards at the expense of your budget, consider coming up with a plan to pay your balance down instead.
Your credit score can drop when you cancel your credit cards.
Sarah Tew/CNET
Not paying off big purchases during a 0% APR period
Whether you just opened a 0% APR credit card -- which offers interest-free debt for a specific promotional period -- or a balance transfer card -- a credit card designed to accept debt from other cards -- make sure you read the fine print. Oftentimes, there's a fee to transfer your existing balance, commonly 3% of the balances transferred. Also, the introductory 0% rate only lasts for so long, typically between six and 18 months. That means you've got a limited time to pay off your balance before a higher APR kicks in. (When it does, your monthly interest gets a lot more expensive.)
To create a simple repayment plan, take the amount you owe and divide it by the number of months in your 0% APR promo period. Then pay that amount monthly to completely pay off your balance while you are borrowing without interest. For example, if you buy a $300 TV using a credit card with 0% APR for six months, making $50 monthly payments will eliminate your debt before the no-interest period expires.
Using a 0% intro APR credit card can be a good strategy to pay off your debt or finance a large purchase, but it can be risky, too. While disciplined borrowers can effectively roll balances into new accounts with 0% intro APR, Nitzche says that many people who transfer their credit card balances only make minimum payments, which can result in spiraling debt and damaged credit, leading to a point when they can no longer get approval for new accounts.
Canceling your credit cards
Even if you have paid down your balance on a credit card, there are two big reasons why you shouldn't cancel your account. Closing your account would affect your length of credit history and credit utilization ratio, two important components of your credit score. (Remember, your credit utilization ratio is the percentage of your total available credit lines across all cards you're using.)
If you close an account you're not using, your total available credit line shrinks, making your credit utilization ratio higher.
Canceling older credit cards will also shorten your credit history, leading to a significant drop in your credit score. If you do decide to cancel some of your credit cards, it's best to leave the oldest account open, as well as the one with the highest credit limit to maintain your credit utilization ratio and prevent any damage to your credit score.
It's important to note that with inactivity, credit card issuers may automatically close your account. To avoid this, Nitzche says that it's best to use each of your credit cards once in a while for small purchases.
Applying for too many credit cards
You may have heard this advice before: Don't apply for too many credit cards at once. Each time you apply for a new credit card, your credit score can drop slightly due to a "hard" credit check.
Hard credit checks require your consent and involve a full credit summary from a credit bureau. "Soft" credit checks occur when you view your credit report or a financial company requests a summary without your consent, and they don't affect your credit score. They're used for purposes such as preapproved credit card offers.
When you authorize lenders to pull your credit history, you'll see a "hard" inquiry on your credit report. According to credit score company MyFICO, a hard pull will lower your credit score by about 5 points. While it will stay on your report for two years, the deduction to your score will usually be eliminated within a year.
Too many hard pulls on your credit in a short amount of time -- for example, applying for five store credit cards in one weekend -- could affect your credit rating more, as multiple inquiries indicate higher risks of insolvency or bankruptcy. Experian suggests waiting at least six months between applying for new lines of credit to avoid lowering your credit score.
Applying for too many credit cards at once can drop your credit score.
Sarah Tew/CNET
Not checking your billing statements regularly
How often do you check your monthly billing statement? It can be an eye opener to see how much money you really charge your credit card, especially if it's routinely more than you bring home each month.
Spending $20 here and there may not seem like a huge amount, but it can add up quickly. Remember that increasing your credit utilization ratio (your percentage of credit used) will lower your credit score and high balances will cost you more in interest. Plus, how do you know how much you've charged if you aren't tracking your spending?
Tracking your credit card spending isn't the only reason to check your billing statement. You should thoroughly comb through your transactions to make sure there aren't any potentially fraudulent charges you didn't make. The sooner you discover you're a victim of identity fraud, the sooner you can contact your card issuer to dispute the charges and take the necessary steps to secure your credit card account.
For more tips on using credit cards wisely, learn six ways to get the most from your credit card and how to pick the right credit card.
WWE TLC 2019: How to watch, start times, full match card and WWE Network
WWE TLC 2019: How to watch, start times, full match card and WWE Network
TLC: Tables, Ladders and Chairs is the final pay-per-view of the decade, and it's a weird one. The match card isn't final, at at this stage contains no Seth Rollins, Kevin Owens or Daniel Bryan. There's no Brock Lesnar, which means no WWE Championship match. And while Bray Wyatt is wrestling The Miz, the Universal Championship is currently not on the line.
Pretty strange but that's OK, the women will save the day. Asuka and Kairi Sane will defend their Women's Tag Team Championship belts in a Tables, Ladders and Chairs match against Becky Lynch and Charlotte. Asuka, Lynch and Flair had a fantastic triple-threat TLC match at last year's event, so expect this one to be great too.
The other big bout is Roman Reigns against Baron Corbin, also in a TLC match. If I was a betting man, I'd put money on this being only OK.
Start times
TLC 2019 takes place in Minneapolis, Minnesota on Sunday, Dec. 15. The main card starts at 4 p.m. PT/7 p.m. ET. If you're a WWE Network subscriber -- at $9.99 per month, but free for one month for new subscribers -- you can watch it live for free. Otherwise you'll need to contact your local cable provider and pay a separate fee to watch. The Kickoff Show starts at 3 p.m. PT/6 p.m. ET on WWE's YouTube channel and the WWE Network.
Viewers in the UK will have to stay up late, as the show starts there at midnight Monday GMT (11 p.m. Sunday kickoff). For Australians, Survivor Series starts at 11 a.m. AEDT time (10 a.m. kickoff) on Monday.
Match card
Women's tag team championship TLC match: Asuka and Kairi Sane (c) vs. Becky Lynch and Charlotte Flair
Bray Wyatt vs. The Miz
TLC match: Roman Reigns vs. Baron Corbin
Tables match: Rusev vs. Bobby Lashley
Aleister Black vs. Buddy Murphy
SmackDown tag team championship match: The New Day (c) vs. The Revival
Raw Tag Team championship match: Viking Raiders defend in an open challenge
How to watch: WWE Network app
You can start (or restart) a subscription to the WWE Network here.
The monthly price is $9.99 (US) or £9.99 (UK). New subscribers get a free month, and you can cancel anytime.
The WWE Network app is available on Roku, Xbox One, PlayStation 4, Amazon Fire TV, Amazon Kindle Fire, Apple TV, iOS and Android.
The event should also be available as a one-off pay-per-view purchase on many cable and satellite TV systems.
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8 Ways to Protect Your Money During a Recession
8 Ways to Protect Your Money During a Recession
This story is part of Recession Help Desk, CNET's coverage of how to make smart money moves in an uncertain economy.
What's happening
With the latest GDP report showing another consecutive quarterly decline in economic activity, the country is likely in a technical recession.
Why it matters
Previous recessions have all seen pervasive layoffs, higher costs of borrowing and a tumultuous stock market.
What it means for you
Worry less about the macroeconomic news of the day and focus on what you can control. Take inventory of your financial life, gather facts and make moves to protect your savings.
While many economists still refuse to use the R-word, the warning signs indicate the US economy is now likely in a technical recession. In addition to another quarterly drop in GDP, or gross domestic product, consumer confidence has gone down, the stock market is in bear territory and inflation is still soaring, despite four interest rates hikes from the Federal Reserve.
An increase in layoffs -- another key indicator of a recession -- is also being felt across the country as many companies, particularly in the tech sector, have announced layoffs in recent months. And if you ask most people, they'll say it's become undoubtedly harder to make ends meet. At least one poll conducted in June finds a majority of Americans, or 58%, believe we are in a recession.
But then others point to some key factors that point in the opposite direction -- for example, low unemployment levels, rising spending and a healthy banking sector.
While the National Bureau of Economic Research makes the official call on a recession -- and so far it's remained tight-lipped -- whether we call this challenging financial period a recession or not seems like a pretty subjective matter of interpretation.
At CNET Money, we're dedicated to supporting your financial health with accurate, timely and honest advice that takes into consideration the pressing financial questions of our time. That's why we're launching the Recession Help Desk, a destination where you will get the latest, best advice and action steps for navigating this uncertain period.
First, a quick look back at the US economy
Since the Great Depression, the US has had about a dozen economic setback periods lasting anywhere from a few months to over a year. In some ways, there's always a recession on the horizon: Economies are cyclical, with upswings and downturns. We can't predict what will happen in advance, and sometimes we can't even tell what's happening while we're in the middle of it. Morgan Housel, author of The Psychology of Money, may have said it best when he tweeted back in April: "We're definitely heading toward a recession. The only thing that's uncertain is the timing, location, duration, magnitude and policy response."
Attempting to figure out recession specifics is a guessing game. Anyone who tells you different is likely trying to sell you something. The best we can do right now is draw on history to build context, get more proactive about the money moves we can control and resist the urge to panic. This includes reviewing what happened in previous recessions and taking a closer look at our financial goals to see what levers to pull to stay on track.
Here are eight specific steps you can take to create more financial stability and resilience in a turbulent economy.
Read more: Bear Markets: Expert Stock Market Advice for Investors
1. Plan more, panic less
The silver lining to current recession predictions is that they're still only forecasts. There is time to assemble a plan without the real pressures and challenges that come with being in the thick of an economic slowdown. Over the next couple of months, review your financial plan and map out some worst-case scenarios when your adrenaline isn't running high.
Some questions to consider: If you did lose your job later this year or in early 2023, what would be your plan? How can you fortify your finances now to weather a layoff? (Keep reading for related advice.)
2. Bulk up your cash reserves
A key to navigating a recession relatively unscathed is having cash in the bank. The steep 10% unemployment rate during the Great Recession in 2009 taught us this. On average, it took eight to nine months for those affected to land on their feet. Those fortunate to have robust emergency accounts were able to continue paying their housing costs and buy time to figure out next steps with less stress.
Consider retooling your budget to allocate more into savings now to hit closer to the recommended six- to nine-month rainy day reserve. It may make sense to unplug from recurring subscriptions, but a better strategy that won't feel as depriving may be to call billers (from utility companies to cable to car insurance) and ask for discounts and promotions. Speak specifically with customer retention departments to see what offers they can extend to keep you from canceling your plans.
3. Seek a second income stream
Web searches for "side hustles" are always popular, but especially now, as many look to diversify income streams in the run up to a potential recession. Just like it helps to diversify investments, diversifying income streams can reduce the income volatility that arrives with job loss. For inspiration on easy, low-lift side hustles that you might be able to do from home, check out my story.
4. Resist impulsive investing moves
It's hard not to be worried about your portfolio after all the red arrows in the stock market this year. If you have more than 10 or 15 years until retirement, history proves it's better to stick with the market ups and downs. According to Fidelity, those who stayed invested in target-date funds, which include mutual funds and ETFs commonly tied to a retirement date, during the 2008 to 2009 financial crisis had higher account balances by 2011 than those who reduced or halted their contributions. "Those who panic and sell 'at the bottom' often regret it because trying to time the market can result in losses that are very difficult to regain because stock prices can change quickly," said Linda Davis Taylor, seasoned investment professional and author of The Business of Family.
If you have yet to sign up for automatic rebalancing, definitely look into this with your portfolio manager or online broker. This feature can ensure that your instruments remain properly weighted and aligned with your risk tolerance and investment goals, even as the market swings.
5. Lock interest rates now
As the policy makers raise interest rates to bring down inflation levels, interest rates will increase. This potentially spells bad news for anyone with an adjustable-rate loan. It's also a challenge for those carrying a balance on a credit card.
While federal student loan borrowers don't have to worry about their rates going up, those with private variable rate loans may want to look into consolidating or refinancing options through an existing lender or other banks, such as SoFi, that could consolidate the debt into one fixed-rate loan. This will prevent your monthly payments from increasing unpredictably when the Federal Reserve raises interest rates again this year, as expected.
6. Protect your credit score
Borrowers may have a tougher time accessing credit in recessions, as interest rates jump and banks enforce stricter lending rules. To qualify for the best loan terms and rates, aim for a strong credit score in the 700s or higher. You can typically check your credit score for free through your existing bank or lender, and you can also receive free weekly credit reports from each of the three main credit bureaus through the end of the year from AnnualCreditReport.com.
To improve your credit score, work towards paying down high balances, review and dispute any errors that may be on your credit report or consider consolidating high-interest credit card debt into a lower interest debt consolidation loan or 0% introductory APR balance transfer card.
7. Rethink buying a home
While home prices have cooled in some areas, it remains a competitive housing market with few homes to go around. If rising mortgage rates are adding more pressure to your ability to buy a home within budget, consider renting for a little longer. If you're also worried about your job security in a potential recession, then that's even more reason to take pause. Leasing isn't cheap at the moment, but it can afford you more flexibility and mobility. Without the need to park cash for a down payment and closing costs, renting can also keep you more liquid during a potentially challenging economy.
8. Take care of your valuables
The advice that was born out of the sky-high inflation period in the late 1970s still applies now: "If it ain't broke, don't fix it."
With ongoing supply chain issues, many of us face high prices and delays in acquiring new cars, tech products, furniture, home materials and even contact lenses. This includes replacement parts, too. If a product comes with a free warranty, be sure to sign up. And if it's a nominal fee to extend the insurance, it may be worth it during a time when prices are on the rise.
For example, my car has been in the repair shop for over three months, waiting for parts to arrive from overseas. So, in addition to paying my monthly car payment, I have a rental car fee that's adding up. If nothing else, I'll be heading into a possible recession a more cautious driver.
Read more: Smaller Packages, Same Prices: Shrinkflation Is Sneaky
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WWE Clash at the Castle: How To Watch, Start Times, Match Card and Peacock
WWE Clash at the Castle: How To Watch, Start Times, Match Card and Peacock
Roman Reigns has been universal champion for over two years, and WWE champion since WrestleMania, but his title run may finally be at an end. Drew McIntyre challenges for Reigns' WWE universal championship titles at Clash at the Castle on Saturday, WWE's first pay-per-view in the UK since 2003. If Reigns ends up picking up a W, it seems likely he'll keep the gold until WrestleMania.
Outside of the title match, Clash at the Castle's hottest confrontation will be the one between Matt Riddle and Seth Rollins. (Yes, Riddle got his first name back!) The pair were originally scheduled to wrestle at SummerSlam, but their match got delayed to this show. The build up has been great, including an awesome interview segment on Raw this week, and both Rollins and Riddle have a history of delivering in big-match settings.
Start times
WWE Clash at the Castle takes place at Principality Stadium in Cardiff, Wales, on Saturday. The show has an unusual start time: 10 a.m. (1 p.m. ET). Grappling fans across the pond usually have to stay up late to watch live wrestling, but obviously that's not the case here. Clash of the Castle starts 6 p.m. BST. Australians draw the short straw this time, as the show airs at 3 a.m. AEST on Sunday.
Match card
WWE Universal Championship: Roman Reigns (c) vs. Drew McIntyre.
Matt Riddle vs. Seth Rollins.
SmackDown Women's Championship: Liv Morgan (c) vs. Shayna Baszler.
Intercontinental Championship: Gunther (c) vs. Sheamus.
Edge and Rey Mysterio vs. Finn Balor and Damian Priest.
Bianca Belair, Alexa Bliss and Asuka vs. Bayley, Dakota Kai and Iyo Sky.
How to watch: Peacock, WWE Network
As you probably know by now, Peacock is the new home of WWE's pay-per-views. The WWE Network has, in essence, migrated to NBC's Peacock streaming service, and that's where you'll go to watch SummerSlam. Peacock has three tiers: Free, Premium and Premium Plus. To watch WWE content, you'll need a Premium subscription. The good news is, that'll set you back $5 a month, less than the $10 for WWE Network.
If you're outside of the US, you'll watch SummerSlam on the WWE Network as usual.
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WWE Crown Jewel 2019: Start times, first women's match, how to watch and why you shouldn't
WWE Crown Jewel 2019: Start times, first women's match, how to watch and why you shouldn't
It's that time of year again. Thanks to the huge money the Saudi Arabian government throws at WWE, Crown Jewel, emanating from Riyadh, Saudi Arabia, is one of the year's biggest wrestling events. Like last year, it's just as star studded as a WrestleMania, if not more. And, as announced a day before the event, the show will feature WWE's first women's match in Saudi Arabia.
This year's show is headlined by Brock Lesnar vs. Cain Velasquez for the WWE Championship. Velasquez is a former UFC star who's making a transition into pro wrestling and famously beat Lesnar for the UFC heavyweight championship in 2010. Velasquez isn't the only combat superstar on the card, as boxing champion Tyson Fury will wrestle/fight/box Braun Strowman.
Elsewhere on the card, Seth Rollins defends his Universal Championship against "The Fiend" Bray Wyatt, which will hopefully be better than their disastrous Hell in a Cell match. We also have a 10-man tag team match, with Roman Reigns-led Team Hogan taking on Randy Orton-led Team Flair.
Why you shouldn't watch
There are two reasons I advise against watching this show. The first is ethical. Crown Jewel is part of a 10-year deal the WWE signed with the Saudi government that stipulates multiple shows each year. This is the second year of that deal and the fourth Saudi show so far. Wrestling journalist Dave Meltzer estimates WWE is being paid $40 million per show.
That deal is itself part of the Saudi government's Vision 2030 plan: The country's economy is overly reliant on oil, so Crown Prince Mohammad Bin Salman is looking to diversify. He wants Saudi Arabia's tourism, education, health and, crucially for WWE, entertainment sectors to grow. The same push has led to the reopening of movie theaters in the country after a 35-year ban.
The problem? The shows are essentially propaganda for the Saudi Arabian government. The first show in the deal, last year's Greatest Royal Rumble, saw announcers gush over the hospitality of Saudis and videos praising the progressiveness of the government. That was discomforting in early 2018 -- and then, weeks before last year's Crown Jewel show, the Saudi government was found to be behind the murder of journalist Jamal Khashoggi.
In fairness to WWE, the company has eased up on the overt propaganda since then -- and it's a sign of progress to (finally) have women on one of the big Saudi shows. But it's still a harsh pill to swallow.
The second reason is simply that the shows are generally not very good. A large element of wrestling is crowd interest, and it's clear that only a fraction of the audience at these shows actually watches wrestling. For most part, there's very little response to the in-ring action, leading to a flat atmosphere. Few of the matches on these shows have been worth watching.
But hey, it's understandable if Lesnar vs. Velasquez piques your interest. No judgment here. If curiosity gets the best of you, here's how and when you can watch it.
Start times
Crown Jewel 2019 takes place in Riyadh, Saudi Arabia on Thursday, and as such will air at unusual times. The main card starts at 10 a.m. PT/1 p.m. ET on Thursday. If you're a WWE Network subscriber -- at $9.99 per month, but free for one month for new subscribers -- you can watch it live for free. Otherwise you'll need to contact your local cable provider and pay a separate fee to watch. The Kickoff Show starts at 9 a.m. PT/12 p.m. ET on WWE's YouTube channel and the WWE Network.
It's a role reversal for UK viewers, who usually have to stay up late to watch American wrestling shows, as Crown Jewel starts at 6 p.m. (5 p.m. kickoff). Australians have the worst deal: The event starts at 4 a.m. Friday.
Match Card
WWE Championship match: Brock Lesnar (c) vs. Cain Valesquez
Universal Championship match: Seth Rollins (c) vs. "The Fiend" Bray Wyatt
Braun Strowman vs. Tyson Fury
Lacey Evans vs. Natalya
Team Hogan (Roman Reigns, Rusev, Ricochet, Shorty G and Ali) vs. Team Flair (Randy Orton, Baron Corbin, Bobby Lashley, Shinsuke Nakamura and Drew McIntyre)
20-man battle royale
United States Championship match: AJ Styles (c) vs. battle royale winner
Cesaro vs. Mansoor
9-team World Cup tag team turmoil match: The New Day vs. Heavy Machinery vs. The O.C. vs. The Viking Raiders vs. The Revival vs. Dolph Ziggler and Robert Roode vs. Lucha House Party vs. The B-Team vs. Curt Hawkins and Zack Ryder
WWE Network app
The WWE Network app is available on Roku, Xbox One, PlayStation 4, Amazon Fire TV, Amazon Kindle Fire, Apple TV, iOS and Android.
Originally published Oct. 29. Updated, Oct. 30: Adds women's match.
