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☆ 13% of Americans have a disability—what this means during the job application process
▼ + stars: | 2023-09-06 | by ( Isabel Engel | In Isabel--Engel | ) www.cnbc.com time to read: +5 min

But this percentage is likely an undercount, Mia Ives-Rublee, disability justice initiative director at the Center for American Progress, tells CNBC Make It. Employers aren't allowed to ask you about your disability status in a job interview, so why are they allowed to include a voluntary question on a job application? "Legally, it cannot be flagged on your application," Ives-Rublee says. The choice to self-identify on a job application, or once you are hired into a company, is a deeply personal one, Ives-Rublee acknowledges. It is, of course, up to you to decide if or when you are comfortable disclosing your disability status — even if you know the self-identification will be kept confidential during the job application process.

Persons: Mia Ives, it's, Ives, Rublee, Employers aren't Organizations: Pew Research, Center for American, CNBC, Ives, Employers, Rehabilitation, U.S . Department of Labor, U.S . Department, Labor's Locations: United States

☆ The 10 U.S. cities where a $100,000 salary goes the furthest
▼ + stars: | 2023-08-18 | by ( Isabel Engel | In Isabel--Engel | ) www.cnbc.com time to read: +2 min

But now, $100,000 salary only goes so far — and its worth varies from city to city. Across major U.S. cities, $100,000 can be worth as much as $86,444 and as little as $35,791, a recent SmartAsset study finds. The study compares the value of $100,000 across 76 major U.S. cities, accounting for cities' income taxes and cost of living. Cities in the South, from Tennessee to Texas, dominated the top 10 cities where $100,000 goes the furthest. In SF, a $100,000 salary is worth only $36,445; in the Big Apple, it's worth just $35,791.

Persons: Warren Buffett Organizations: Big Apple, El, Oklahoma City, Fort, Council for Community, Economic Locations: U.S, Cities, Tennessee, Texas, Memphis , Tennessee, San Francisco and New York, El Paso , Texas, Oklahoma City , Oklahoma, Christi , Texas, Lubbock , Texas, Houston , Texas, Antonio , Texas, Fort Worth , Texas, Arlington , Texas, Louis , Missouri

☆ Preparing for the 'great wealth transfer'? 4 steps for managing an inheritance, from a CFP: 'It's not as simple as it might seem'
▼ + stars: | 2023-08-15 | by ( Isabel Engel | In Isabel--Engel | ) www.cnbc.com time to read: +2 min

The so-called "great wealth transfer" is already underway, with over $68 trillion set to be passed down by baby boomers to their children. As a CFP, Miura helps her clients grapple with their own inheritances and transfers of wealth. Adults who expect to receive an inheritance anticipate getting an average of $738,724, according to a recent New York Life Wealth Watch Survey. The newly inherited wealth will take many forms: 58% of those expecting an inheritance anticipate receiving cash, 43% expect property and 28% expect investments. If you're among the many Americans unsure how to manage a windfall, here are four tips to help you be financially smart about your inherited wealth.

Persons: Danielle Miura, Miura, I've Organizations: New York, CNBC, Wealth Watch Survey Locations: New

In fact, New York continues to be the most expensive city in North America, ranking sixth in the world. The most expensive city in the world for expats: Hong Kong, which topped the list for the second consecutive year. Here are the 10 most expensive cities for expats, outside the U.S.:Hong Kong Singapore Zurich, Switzerland Geneva, Switzerland Basel, Switzerland Bern, Switzerland Tel Aviv, Israel Copenhagen, Denmark Nassau, Bahamas ShanghaiAs for the U.S., the data finds that the cost of living has increased in all American cities analyzed. While Hong Kong is the most expensive city on the list, that doesn't necessarily translate to a better quality of life. On the other hand, some global cities may offer expats a lower cost of living and, perhaps, a higher quality of life.

Persons: Warren Buffett Organizations: Bahamas Shanghai, Los Angeles Locations: U.S, New York City, San Francisco, New York, North America, Hong Kong, expats, Hong Kong Singapore Zurich, Switzerland Geneva, Switzerland Basel, Switzerland Bern, Switzerland Tel Aviv, Israel Copenhagen, Denmark Nassau, Bahamas, Honolulu, Detroit, Houston, Cleveland, Barcelona, Spain

☆ The 'single most important factor' for first-time investors, according to a CFP—and 3 other tips to get started
▼ + stars: | 2023-08-11 | by ( Isabel Engel | In Isabel--Engel | ) www.cnbc.com time to read: +4 min

For first-time investors, growing your money is about playing the long game, certified financial planner and senior financial advisor Matthew Saneholtz tells CNBC Make It. "It's not timing the market, but time in the market that is the most important thing," he says. Establish your 'time horizon'For new investors, the first thing to do is define your investing time horizon, Saneholtz says. It is the "single most important" factor to consider and should be determined before you put even a dollar into the market, Saneholtz says. "There are so many different variables for a single business to become profitable, stay profitable and achieve and win their industry."

Persons: you've, Matthew Saneholtz, Saneholtz Organizations: CNBC

☆ Getting an MBA is still worth it—the 10 business schools that pay off the most right away
▼ + stars: | 2023-08-03 | by ( Isabel Engel | In Isabel--Engel | ) www.cnbc.com time to read: +2 min

Earning a master of business administration degree can come with a hefty price tag, with top schools ranging from $50,000 to $80,000 per year. For professionals seeking to advance their careers, many may wonder: Is an MBA worth it? The report investigated the economic value of the most popular degree programs, ranking the value of 5,500 business programs at more than 1,700 colleges. For those looking to pursue advanced business studies, here are the top 10 MBA programs that pay off the most right away. Some well-known schools, such as Harvard Business School, didn't earn top spots in the ranking, due to low median earnings.

Persons: Martin Van Der Werf, Van Der, Van Der Werf, didn't Organizations: Georgetown University Center, Education, CNBC, MBAs, Georgetown University, Harvard Business School

☆ 36% of Americans have more debt than emergency savings—how to save money and pay off loans simultaneously
▼ + stars: | 2023-08-02 | by ( Isabel Engel | In Isabel--Engel | ) www.cnbc.com time to read: +5 min

That's according to a recent Bankrate study, which finds that 36% of American consumers have more credit card debt than emergency savings. "We have seen credit card debt rising really ever since inflation started to exert pressure on household budgets in 2022," McBride says. This year's gap between savings and credit card debt (36%) is the highest in 13 years, up substantially from 22% in 2022, he adds. If you're struggling to choose whether to focus on minimizing credit card debt or begin building up your emergency savings, McBride suggests aiming to balance both. When tackling credit card debt, there are two well-known strategies you can use: the snowball method and the avalanche method.

Persons: Bankrate, Greg McBride, McBride, you've, that's Organizations: CNBC

☆ The top 10 flexible remote jobs—and how to land them, according to an expert
▼ + stars: | 2023-08-01 | by ( Isabel Engel | In Isabel--Engel | ) www.cnbc.com time to read: +1 min

The option of flexible-schedule remote jobs allows employees to obtain a healthier work-life balance, FlexJobs career expert Keith Spencer tells CNBC Make It. But some remote jobs offer flexible hours and results-oriented work structures that allow employees to work more or less when they want, often outside of traditional working hours without taking paid time off. "Remote and flexible options provide greater work-life balance for employees," Spencer says. "Work-life balance and flexible working hours really do go hand in hand." With that in mind, here are the top 10 flexible-schedule remote job titles in 2023, according to FlexJobs.

Persons: Keith Spencer, Spencer Organizations: CNBC

☆ 91% of workers have faced workplace discrimination—here's what employees can do, expert says: 'No. 1 is to speak up and document things'
▼ + stars: | 2023-07-27 | by ( Isabel Engel | In Isabel--Engel | ) www.cnbc.com time to read: +2 min

A whopping 91% of workers report that they have faced workplace discrimination. That's according to Monster's recent Workplace Discrimination Poll, which surveyed more than 3,000 employees and highlights the continued prevalence of discrimination at work. Here are her top pieces of advice for all employees as today's workforce continues to grapple with workplace discrimination. Only 44% of workers feel comfortable reporting discriminatory incidents to a company-provided anonymous reporting resource, the Monster data reveals. Additionally, only 21% of employees feel comfortable reporting discriminatory behavior to a manager and 33% of workers feel comfortable reporting to HR.

Persons: Vicki Salemi, Salemi Organizations: CNBC

☆ Student loan borrowers in these 10 states will have over $45,000 in debt forgiven, on average
▼ + stars: | 2023-07-20 | by ( Kamaron Mcnair | In Kamaronmcnair | ) www.cnbc.com time to read: 1 min

Are you a current student working multiple jobs to get ahead on your loans, or graduate debt-free? Email reporter Isabel Engel if you're interested in being featured in a future Make It article. Last week, the Biden administration announced student debt relief would be coming for over 800,000 borrowers, thanks to fixes to income-driven repayment plans. A total of $39 billion in debt forgiveness will be rolling out in the coming weeks for borrowers with older student loans. Eligible borrowers have already begun receiving notifications that they will see some or all of their debts cleared, and the administration says discharges will begin 30 days later.

Persons: Isabel Engel, Biden

Even for 'Barbie' director Greta Gerwig, negotiating a salary isn't always easy. And while her salary has not been made public, the movie has a budget of $145 million, according to Variety. Within the movie industry, Gerwig believes there is a need for more women directors. And Gerwig isn't alone in her fear of asking for too much. But for Gerwig, directing movies comes with a much different pay structure than other professions.

Persons: Barbie, Greta Gerwig, Gerwig's, Margot Robbie, Ryan Gosling, Variety, hasn't, Gerwig, jobseekers Organizations: Variety, Hollywood, CNBC, Harvard Business Locations: Hollywood, Jobvite

☆ Spend better, not less: Duke behavioral economics expert on his top 4 money tips
▼ + stars: | 2023-07-11 | by ( Isabel Engel | In Isabel--Engel | ) www.cnbc.com time to read: +4 min

Dan Ariely, a professor of psychology and behavioral economics at Duke University, knows this firsthand. But recent grads would be wise to avoid any spending sprees on new or "trendy" things, Ariely says. Think about the future, not just the presentFor recent graduates, there can be a temptation to charge lots of purchases, Ariely says. Reflect on past spending — and past regretsFinancial planning generally involves looking ahead. But you'd be well served to look at past purchases, too, and reflect on the extent to which they brought you joy.

Persons: Dan Ariely, —, Ariely, I'm, you'd Organizations: Duke University, Duke Fuqua School of Business

☆ Tipping is 'not a sustainable system,' says 25-year-old pizza delivery driver: My income 'relies on the goodwill of others'
▼ + stars: | 2023-07-10 | by ( Isabel Engel | In Isabel--Engel | ) www.cnbc.com time to read: +1 min

On a typical Monday delivering pizzas in Lincroft, New Jersey, Brendan Madden could make $13 in tips. The nature of tipping is extremely unreliable, the Luigi's Famous Pizza and Catering delivery driver tells CNBC Make It. Driving around Lincroft and neighboring New Jersey towns, 25-year-old Madden never knows how much he will make in a given shift. "Tipping doesn't work as a system for paying people," he says. "I don't think it's a sustainable system because not everyone tips fairly."

Persons: Brendan Madden, Madden Organizations: CNBC, Madden Locations: Lincroft , New Jersey, Lincroft, New Jersey

☆ The No. 1 way to grow your wealth, according to a self-made millionaire: It’s ‘deceptively simple’
▼ + stars: | 2023-07-07 | by ( Isabel Engel | In Isabel--Engel | ) www.cnbc.com time to read: +3 min

Building wealth might not be as difficult as you think, says self-made millionaire and author of "I Will Teach You to Be Rich" Ramit Sethi. Having spent 20 years of his career writing about money and psychology, Sethi knows what it takes to grow your money. "The top ways to grow your wealth are really simple, almost deceptively so," he says. "Listen, I have access to those investments, and I can tell you right now, they typically do not perform better than a simple S&P index fund." "The ordinary truth is that you can get great returns with a simple low-cost long-term index fund," Sethi says.

Persons: Ramit Sethi, Sethi, Howard Silverblatt, Dow, Madelyn Machado Organizations: CNBC, Dow Jones, Bloomberg Locations: Tampa , Florida

☆ 'Don't leave one toxic relationship and enter another': ‘Job Doctor’ shares red flags for new employees
▼ + stars: | 2023-07-05 | by ( Isabel Engel | In Isabel--Engel | ) www.cnbc.com time to read: +6 min

"People [should] understand that a truly toxic workplace, they can't fix." White shares her insights and advice on workplace warning signs — and red flags that signal you should give your two weeks. It starts with the interviewWhen it comes to workplace red flags, White says that warning signs might appear as early as the interview process. When people give notice and are then ushered right out of the door, they are often leaving a toxic workplace behind, White says. Similarly, workplaces that adopt an "us vs. them" mentality in which employees are "protecting their turf" instead of engaging in collaboration are not the most conducive for young employees.

Persons: Tessa White, — White, White, they've, that's, Young Organizations: CNBC

☆ How to ace a cold email, according to hiring experts: 'Change your mindset to a warm email'
▼ + stars: | 2023-07-03 | by ( Isabel Engel | In Isabel--Engel | ) www.cnbc.com time to read: +5 min

A cold email is an important way to network within your potential field of interest, Monster career expert Vicki Salemi tells CNBC Make It. To successfully send a cold email — and get on your dream company's radar — hiring experts share their tips in this step-by-step guide. Establish a connectionHow to ace the art of the cold email? Ultimately, Salemi says that warm emails, based on commonalities, are often more successful than cold emails. "Try to change your mindset from a cold email to a warm email," Salemi says.

Persons: —, Vicki Salemi, Salemi, that's, Sarah Doody, Doody, — Salemi, I'm Organizations: CNBC

☆ 'I went out and bought my parents a car': Barbara Corcoran on the first time she felt successful
▼ + stars: | 2023-07-02 | by ( Isabel Engel | In Isabel--Engel | ) www.cnbc.com time to read: +1 min

For Barbara Corcoran, real estate expert and star of ABC's "Shark Tank," success is no longer about money. But the very first time Corcoran felt successful was the day she first made a profit. Rather than buy something for herself, Corcoran says she immediately spent the money on two people most important to her: her parents. Corcoran used a $1,000 loan to start her real estate business, the Corcoran Group, in 1973. But despite her continued success on "Shark Tank" and beyond — and her ability to continue buying gifts for others throughout her career — Corcoran says that day remains unparalleled.

Persons: Barbara Corcoran, Corcoran, Richie, — Corcoran Organizations: Corcoran Group Locations: Florida, —

☆ 'Way too low for way too long': Local business owners applaud July 1 minimum wage increases
▼ + stars: | 2023-07-01 | by ( Isabel Engel | In Isabel--Engel | ) www.cnbc.com time to read: +5 min

"As far as minimum wage, it's been way too low for way too long," Saginaw says. Some oppose minimum wage increases, as they boost overall costs. That said, here's how much minimum wages are increasing across the U.S., and why these two small business owners applaud the change. A statewide minimum wage increase to $12 for all employees (regardless of benefit status) will take place in July 2024. Minimum wage is also increasing in Chicago and San Francisco, among other cities and counties.

Persons: Paul Saginaw, Gina Schaefer, Schaefer, Tom Williams, it's, — Organizations: CNBC, Hardware, Capitol Visitor Center, Cq, Inc, Getty, D.C, DC, Logan Locations: Nevada , Oregon, Washington, Maryland, Virginia, Las Vegas, Saginaw, Nevada, U.S, Portland, Montgomery County , Maryland, Chicago, San Francisco

☆ Don't believe everything your parents told you about money: 4 common money myths, debunked
▼ + stars: | 2023-06-26 | by ( Isabel Engel | In Isabel--Engel | ) www.cnbc.com time to read: +4 min

For young professionals new to the workforce — particularly recent college graduates — here are four common money myths that have been passed down through generations, debunked. The idea has likely inhibited women and people of color in particular from being confident about investing, Ransom-Cooper says. The gap has begun to close, though, with 58% of Black Americans investing in 2022, compared with 63% of white Americans. What's more, young professionals do not have to wait until their student loans or other outstanding debt is completely paid off to begin. Investing early and growing your retirement savings, for example, are valuable ways to build wealth outside of the real estate market.

Persons: you've, Chelsea Ransom, Cooper, Ransom, Schwab, Roth, it's Organizations: Zenith Wealth Partners, CNBC, Investor Survey, Roth IRA

☆ 'It's gonna be tough, but it's gonna be worth it': Barbara Corcoran on what she would tell her 23-year-old self
▼ + stars: | 2023-06-21 | by ( Isabel Engel | In Isabel--Engel | ) www.cnbc.com time to read: 1 min

Today, Barbara Corcoran is the picture of success: a star on ABC's "Shark Tank" and a successful real estate entrepreneur. As a 23-year-old struggling to get by, however, Corcoran's life looked vastly different. She implored past Barbara to follow her mother's advice and "embrace her imagination," writing, "That imagination will make us rich! So keep getting back up even when your back's against the wall." She added, "If you listen to Dad more, all you'll have to focus on while building a business is having a damn good time.

Persons: Barbara Corcoran, Corcoran, you've, it's, Barbara

☆ The 7 U.S. cities where a $250,000 salary is worth the least — New York is No. 1
▼ + stars: | 2023-06-19 | by ( Isabel Engel | In Isabel--Engel | ) www.cnbc.com time to read: +3 min

The real purchasing power of a $250,000 salary depends on a city's overall economy, taxes and cost of living. Across the United States, $250,000 is worth as much as $203,664 in Memphis, Tennessee, but as little as $83,000 in New York City. The study compares the after-tax income in 76 of the largest U.S. cities and adjusts the figures for the cost of living. For the privileged few earning $250,000 per year, here are the seven cities where your money has the least purchasing power, as well as how much it's actually worth. In San Francisco, for example, residents are taxed roughly six percentage points more in taxes at $250,000 salaries, as compared with a $100,000 salary, SmartAsset reports.

Persons: Warren Buffett Organizations: SmartAsset, D.C, New York Locations: United States, Memphis , Tennessee, New York City, That's, New York, Honolulu, Francisco, Angeles, Long Beach , California, Washington, Diego, RentHop, California, San Francisco

☆ 'It costs money to owe money': How to balance student loans and saving for retirement
▼ + stars: | 2023-06-15 | by ( Isabel Engel | In Isabel--Engel | ) www.cnbc.com time to read: +5 min

For those fresh out of college and newer to the workforce, it can be challenging to figure out how to balance between managing looming student loan debt and saving for your future. And after a three-year pause, federal student loans will resume accruing interest on Sept. 1, with payments coming due in October. "It costs money to owe money. Ultimately, the sooner you can pay off your student debt — by making minimum payments and paying a little more each month if you can — the less you will pay overall. "Start taking a little bit of money away that will cover two months' worth of your student loan debt and a couple of months' rent," he says.

Persons: —, Chris Briscoe, Gen Zers, Briscoe, Andrew Meadows, Meadows, Roth, Roth IRAs Organizations: Girard Advisory Services, CNBC, College, Savings Locations: United States

☆ How can your college GPA help you get a job? 4 tips from a hiring expert
▼ + stars: | 2023-06-15 | by ( Isabel Engel | In Isabel--Engel | ) www.cnbc.com time to read: +3 min

As companies move to a more holistic hiring process, they are broadening their scopes beyond college grades, Monster Career Expert Vicki Salemi tells CNBC Make It. That said, GPAs do come up in the hiring process and might be requested by some companies as they vet candidates. For those new to navigating the job market, Salemi shares four tips for how to approach your college GPA in the professional world. Even companies that want to know are focused on much more in the hiring process, though, Salemi says. "I basically only ask my candidates about their GPA within 5 years of graduating.

Persons: Vicki Salemi, Salemi Organizations: CNBC, Employers, Companies

☆ The 10 U.S. cities where $250,000 goes the furthest are all in the South
▼ + stars: | 2023-06-14 | by ( Isabel Engel | In Isabel--Engel | ) www.cnbc.com time to read: +1 min

The purchasing power of a $250,000 salary, for instance, depends largely on a city's cost of living and overall tax environment. High earners might be able to maximize their earnings and take advantage of lower tax rates by moving cities. The purchasing power of $250,000 in cities like New York and San Francisco, for example, is worth just shy of $83,000 after taxes and cost of living, the study finds. In cities like Memphis, Tennessee, and El Paso, Texas, though, $250,000 is worth much more, thanks to the states' lack of income tax. For the fortunate 7% of American households earning $250,000 per year, here are the top 10 cities where that money goes the furthest.

Locations: New York, San Francisco, Memphis , Tennessee, El Paso , Texas

☆ Barbara Corcoran says people get 2 things wrong about being rich: 'I'm no happier today than I was when I was dirt poor'
▼ + stars: | 2023-06-14 | by ( Isabel Engel | In Isabel--Engel | ) www.cnbc.com time to read: +2 min

People say money can't buy happiness. And Barbara Corcoran, star of ABC's "Shark Tank" and real estate entrepreneur, would say those people are absolutely right. "I'm not going to use that cliché and say, 'money doesn't buy happiness,' but it's true," Corcoran tells CNBC Make It. To Corcoran, there are two major misconceptions people have about being rich: money brings happiness and money doesn't corrupt relationships. 2: Money doesn't change relationships

Persons: Barbara Corcoran, Corcoran, I've, They're, they're Organizations: CNBC, Corcoran, Corcoran Group, University of Pennsylvania

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