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A growing number of American shoppers have jumped at the chance to use “buy now, pay later” loans to pay for new sneakers, electronics, or luxury goods in installments. Companies such as Affirm, Afterpay, Klarna and PayPal have built popular financial products around these short-term loans, particularly for younger borrowers, who are fearful of never-ending credit card debt. But as the industry continues to rack up customers, delinquencies are climbing.  Inflation is squeezing consumers, making it tougher to pay off debts. Some borrowers don’t budget properly, particularly if they are persuaded to take out multiple loans, while others may have been credit risks to begin with.

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College photos of Tesla CEO Elon Musk and memorabilia from his girlfriend at the time has sold for $165,000 at auction. Boston-based RR Auction said Thursday it was a collection of never-before-seen photos and memorabilia from Musk’s college girlfriend, Jennifer Gwynne. Musk changed his Twitter profile to one of the photos Wednesday. Gwynne told The Boston Globe she read about an auction of test papers that Musk graded and realized she had far more personal items she could sell, including candid photos, a birthday card from him and a necklace he gave her.

AP
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Just days after the death of Queen Elizabeth II, unofficial souvenirs have rolled out at royal-themed gift shops in London and online marketplaces like Amazon and Etsy. One shop near Buckingham Palace says it pushed its suppliers to work overnight to get mementos ready by Saturday, just two days after the death of Britain’s longest-serving monarch. Now, people have the option to buy fridge magnets, flags, mugs and T-shirts with the queen's likeness and the dates of her 70-year reign. Some shops say items depicting the new monarch, King Charles III, are on their way. Official merchandise will take longer to arrive to approved vendors, who have suspended sales of royal souvenirs out of respect for the mourning period.

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Optimism was in full supply as local shopkeepers in Southern Vermont put their best foot forward at the start of Black Friday, the traditional…