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☆ Detroit's 'doom loop' was unlike any other American city. Its downtown is now a model for urban reinvention.
▼ + stars: | 2024-04-28 | by ( John L. Dorman | ) www.businessinsider.com time to read: +4 min

But the city's downtown has one of the most stunning urban reinvention stories in the United States. Downtown Detroit recently hosted the NFL Draft to rave reviews and even broke an attendance record. AdvertisementLast week, more than 775,000 football fans converged in downtown Detroit for three days as the city hosted the NFL Draft. NFL fans near the draft stage at Campus Martius Park in downtown Detroit on April 27, 2024. Downtown Detroit has an abundance of towering, historic buildings that are perfect for office-to-housing conversions and office renovations that have taken hold in downtowns across the country.

Persons: —, Ryan Kang, Spencer Platt, Gen Zs, it's, Dan Gilbert Organizations: Downtown, NFL, Service, Detroit, Nashville, Martius, Renaissance, Miami, General Motors, Getty, Rocket Mortgage, Quicken, GM, Renaissance Center Locations: Detroit, United States, Downtown Detroit, Hudson's Detroit, downtowns

☆ You can get a crazy good deal on a used Tesla from Hertz right now — but know these risks
▼ + stars: | 2024-04-25 | by ( Nora Naughton | ) www.businessinsider.com time to read: +4 min

Screenshot of used Tesla listing from Hertz Car Sales website. Hertz Car SalesIt's a screaming deal for shoppers in the market for a used Tesla or any budget-minded EV shopper, a demographic slowly making up most of the electric car market. AdvertisementMileage and battery usageA used Tesla that has been in a rental fleet is likely to used much more frequently than one that's been personally owned. You can see that in the difference in mileage when you look on Kelley Blue Book for a used Model 3. Screenshot of a used Tesla Model 3 listing on KBB Business InsiderAnother $20,125 Model 3 we found on the Hertz website in January, a 2021 model, was listed with 92,789 miles.

Persons: —, Hertz, Kelley, Tesla, iSeeCars Organizations: Service, Hertz, Business, Tesla, KBB, EV, quicken Locations: Southeast Michigan

☆ This AI startup that helps stores catch shoplifters just bagged $1.5 million in pre-seed funding without using a pitch deck
▼ + stars: | 2024-04-22 | by ( Melia Russell | ) www.businessinsider.com time to read: +7 min

MokSa.ai uses general-use models and customizes them to detect suspicious activity at store locations. The company also pays college interns in India to watch footage for suspicious activity and annotate it — a process called data labeling. The dashboard shows reports of suspicious activity at a glance. MokSa.aiThe Android of the surveillance marketBefore MokSa.ai, Kolli worked as a quality manager at a company producing parts for high-speed rails. While these two tout their abilities to detect suspicious activity and send alerts, they both require customers to use their cameras and sensors.

Persons: —, Nikhil Teja Kolli, Kolli, Jay Farner, MokSa.ai, MokSa.ai Kolli, Shruti Gandhi, Gandhi, It's Organizations: Service, Business, Array Ventures, Quicken Loans, The Fund, Ventures, Royal Ozarks Locations: Kansas, India, Detroit

☆ I planned on confronting my absent father about his parenting. But when I asked to hear his side, I learned a powerful lesson.
▼ + stars: | 2024-04-17 | by ( Justin Jones-Fosu | ) www.businessinsider.com time to read: +5 min

My father was absent throughout most of my life, so I went to Ghana to confront him about it. AdvertisementA few years ago, I visited my father in Ghana and asked to hear his story about why he was an absent parent. My father told me about his journey with his dad, his custody struggles, and the interpersonal conflicts between him and my mother. I also asked my father to share his experiences growing upMy father grew up in Ghana, and his own father was only a kid at the time. We hugged, and my father told me he was proud of me, which I never heard growing up.

Persons: —, I'd, Justin Organizations: Service, Finland —, quicken Locations: Ghana, Kenya, Ethiopia, Finland, defensiveness

Connect all your bank accounts, investments accounts, and credit cardsCheck mark icon A check mark. HoneydueHoneydue App Insider’s Rating A five pointed star A five pointed star A five pointed star A five pointed star A five pointed star 3.75 /5 Fees Free Pros Check mark icon A check mark. Budgeting app for couplesCheck mark icon A check mark. Rocket MoneyRocket Money Get started On Rocket Money's website Insider’s Rating A five pointed star A five pointed star A five pointed star A five pointed star A five pointed star 4.25 /5 Fees Free to create a budget. Pros Check mark icon A check mark.

Persons: Credit Karma, you've, It's, Couples, There's, YNAB, Zeta Zeta, Zeta, you'll Organizations: Intuit, Credit, Quicken, Apple, Google, PocketGuard, Quicken Simplifi, Zeta Locations: Zeta

Be on the lookout for new packaging, shop store brands, and keep track of the unit pricing to avoid losing money to shrinkflation. Buy store brandsStore brands typically have cheaper prices than the major brands that you find on store shelves. Think Kirkland brand at Costco or the store brands in Walgreens or Walmart. Because store brands are already generally the cheaper options, they will also be slower to repackage or downsize their products. For example, a 30-ounce jar of pickles that costs $8 would list a unit price of $0.27 per ounce.

Persons: Shrinkflation, Biden, shrinkflation, Kirkland Organizations: Costco, Walmart, Quicken Locations: Walgreens

☆ US Senate Faces New Test on Ukraine Aid Bill
▼ + stars: | 2024-02-11 | by ( Feb. | At A.M. | ) www.usnews.com time to read: +3 min

The legislation needs 60 votes to overcome a procedural hurdle and continue toward Senate passage in the coming days. The Latest Photos From Ukraine View All 91 ImagesVoting is expected to begin around 1 p.m. EST (1800 GMT). Senate Republicans believe bipartisan passage would help stir support among Republicans in the House. The bill includes $61 billion for Ukraine, $14 billion for Israel in its war against Hamas, and $4.83 billion to support partners in the Indo-Pacific, including Taiwan, and deter aggression by China. "Nevertheless, the Senate will keep working on this bill until the job is done."

Persons: David Morgan WASHINGTON, Joe Biden, Mike Johnson, Johnson, Todd Young, Young, Chuck Schumer, Mitch McConnell, Schumer, David Morgan, Scott Malone, Daniel Wallis Organizations: Senate, Republicans, Republican, Representatives, Democratic, Friday, Indiana Republican, Israel, Hamas, West Bank Locations: U.S, Ukraine, Israel, Taiwan, Gaza, Kyiv, China, Mexico

☆ ‘Arctic Ascent’ review: ‘Free Solo’s’ Alex Honnold undertakes another dizzying climb
▼ + stars: | 2024-02-03 | by ( Brian Lowry | ) edition.cnn.com time to read: +3 min

CNN —After feeding the collective fear of heights with “Free Solo,” climber Alex Honnold sets his sights on tackling one of the highest unclimbed cliff faces on the planet, while delivering a climate-change message for good measure. “Arctic Ascent with Alex Honnold” works on both levels (one of them really high up), while making viewers appreciate sitting on a flat, stable surface. Alex Honnold on the glacier in "Arctic Ascent With Alex Honnold." (Granted, Honnold was doing this before “Free Solo” dramatically upped his profile, but as an executive producer of this latest project, he’s made the most out of that since.) “Arctic Ascent with Alex Honnold” premieres February 4 at 8 p.m.

Persons: Alex Honnold, Alex Honnold ”, Heidi Sevestre, mercifully, Honnold, Hazel Findlay, Mikey Schaefer, Matt Pycroft, he’s Organizations: CNN, Geographic, Disney, El Capitan, Honnold, “, Hulu Locations: Hulu, Greenland, El

Start a nest egg or emergency fundNow is the time to build a nest egg or emergency fund , whether you're starting from scratch or need to beef yours up. A nest egg puts your mind at ease because whatever happens you will be prepared," says Moore. A nest egg also keeps you out of debt . Start saving money right now so you can see great progress by the end of the year. Building a nest egg is a major step towards financial stability that really pays off down the road.

Persons: Chloe Moore, Moore Organizations: Business, Quicken, Finance

As my living expenses have increased after moving from a condo to a townhouse , I've been assessing how I can spend with more intentionality. I've always prided myself in being somebody who frequently declutters my physical belongings, but four boxes of beauty and wellness products begged to differ. Going into 2024, here are four ways I'm making an effort to spend and save with more intentionality. In that time, I usually find that my desire to buy those items goes down significantly. Build a Budget The best budgeting apps can help you get your finances in order and track your monthly spending.

Persons: I've, Berna Anat, Anat, haven't Organizations: Service, Business, Facebook, Quicken Locations: Berna, O'ahu, Pakistani, Patagonia

☆ Hertz dumping 20,000 EVs is a warning to electric-car owners everywhere
▼ + stars: | 2024-01-12 | by ( Graham Rapier | Nora Naughton | ) www.businessinsider.com time to read: +4 min

download the app Email address Sign up By clicking “Sign Up”, you accept our Terms of Service and Privacy Policy . The car-rental firm said it's selling 20,000 EVs — about one-third of its electric fleet of Teslas, Volvos, Polestars, and more — partly due to repair and maintenance costs. AdvertisementIt's also a warning about the cost of EV ownership to drivers thinking about switching from gas to electric. Mitchell, which supplies data for insurance and repair companies, has found EVs — and particularly Teslas — are more expensive than gas-powered cars to repair. Among all EVs, Tesla's Model 3 has the best resale value, falling by only 42.9% in five years.

Persons: Hertz, —, Adam Jonas, Morgan Stanley, It's, Jonas, Mitchell, Kelley, Power, iSeeCars Organizations: EV, Service, Automotive, Energy Innovation, Insurance, quicken Locations: West Coast

According to TransUnion , 168.6 million consumers carried a credit card balance at the end of September. With higher interest rates affecting credit card balances, the cost of buying gifts this year, or even everyday essentials, is higher than ever. If you can pay off your credit card balance in full every month and take advantage of rewards and perks, the use of a credit card can be beneficial. Here are three steps you can take right now to avoid being shocked by your credit card bill in January:1. If you can pay your existing credit card bill off in full, great … but if you cannot, prepare to make a hefty payment so you don't incur high interest charges or have a credit card bill that lingers well into the new year.

Persons: Uber Organizations: Service, Business, Quicken Locations: TransUnion

I've tried to use budgeting apps, but I found they didn't categorize my expenses correctly. There's no shortage of budgeting apps and tools out there, with plenty of bells and whistles to help you make the most of your money. The best budgeting apps can help you get your finances in order and track your monthly spending. While there's no right way to create a budget, there is one right way to use it — consistently and accurately. While I'm happy with my old-school way of budgeting, it doesn't mean it's the right move for you.

Persons: I've, —, it's, I'm Organizations: Service, Quicken

But is there a way to figure out exactly how much you should save each month? Around 20% of your income (after taxes) is a good amount to save each month, according to the 50-30-20 budget and 70-20-10 budget. Over time, you can may find that you can save more each month — going from $20 to $30, and so forth. A person with that income would need to save around $660.50 per month if they are using the 50-30-20 budget rule. The amount each person should save per month will likely depend on their savings goals and current budget, though.

Persons: Patrina Dixon, Dixon, You'll Organizations: Quicken, Fidelity Investments, United States Census Bureau, Consumer Finances Locations: CFEI, U.S

I didn't grow up giving a lot of gifts, and I've never been excited about getting more things. I spend my gift giving budget on big experiences, like a trip to my fiancée's favorite Broadway show. I spend my money on a big experience instead of small giftsI take inspiration from my fiancée. I found a $99 flight to New York and got us tickets to see the Waitress together, which ended up being our last big trip before the pandemic. When the pandemic hit, I still wanted to provide special experiences for my fiancée.

Persons: I've, —, I'm, Lush Organizations: Service, Quicken Locations: New York

The better your credit score, the better your interest rate on a car loan is likely to be. You should look at the monthly cost of the loan, but also the total cost long-term. Before applying for a car loan, it's crucial to check your credit score and take steps to improve it if necessary. It's important to leave room in your budget for unexpected expenses and to avoid becoming financially strained due to excessive car loan payments. A substantial down payment can work wonders in reducing the total cost of your car loan.

Persons: doesn't, — Organizations: Service, Federal Reserve Bank of New, Quicken Locations: Federal Reserve Bank of New York

I decided to buy a Tesla this year, and I'm buying one new thanks to the tax credits on electric cars. As a result, I'm breaking with my long held tradition and purchasing a new 2023 Tesla Model 3 Performance edition. The federal tax credit for a used electric vehicle is $4,000. Note that these are tax credits, not tax deductions. However, the federal tax credits offered will vary, based on whether the battery was manufactured in the US.

Persons: I've, —, Tesla, it's, that's Organizations: Service, Tesla, Apple, Chrysler Pacifica, Ford, Quicken Locations: Colorado, Denver

☆ Every country needs an Inflation Reduction Act
▼ + stars: | 2023-11-23 | by ( Antony Currie | ) www.reuters.com time to read: +9 min

REUTERS/David Gray/File Photo Acquire Licensing RightsMELBOURNE, Nov 23 (Reuters Breakingviews) - Lawmakers in South Korea blasted the U.S. Inflation Reduction Act as a betrayal. Yet concerns about market distortion from the policy intended to stimulate investment in the energy transition and signed into law by President Joe Biden in August 2022 are easing. The Biden administration’s willingness to negotiate on its package of $370 billion of tax breaks and other measures has helped. Reuters GraphicsTrouble is, governments also need to show that they will be fiscally responsible stewards of the energy transition in the short term – especially with inflation still a threat and budgets under pressure. In a speech on Nov. 2 about enabling Australia’s energy transition, Treasurer Jim Chalmers said that “incentives like the type we’ve seen in the Inflation Reduction Act in the United States can be part of an answer but they’re not the whole answer”.

Persons: David Brockwell, David Gray, Australia’s Fortescue, FMG.AX, Joe Biden, Biden, –, Goldman Sachs reckons, ’, Uncle Sam, Fumio, Jim Chalmers, they’re, Chalmers, Una Galani, Thomas Shum Organizations: REUTERS, Rights MELBOURNE, Reuters, Australia, Washington, European, of America, Labor Energy Partnership, U.S, Canberra, Climate Energy Finance, Climate Capital Forum, Deloitte, National Australia Bank, quicken, Thomson Locations: Lake George, Canberra, South Korea, United States, Seoul, European Union, U.S, Japan, Washington, EU, Australia

As a financial planner, here are seven strategies I recommend to help ensure your budget covers all your holiday shopping expenses. Determine how much you can afford to spend on holiday shopping without compromising your financial well-being. Set shopping deadlinesOne thing that I have learned about holiday shopping is that last-minute gifts are much more expensive. Have a separate high-yield savings account earmarked for holiday shoppingOnce you've crunched the numbers and created a holiday spending budget, it is a great idea to create a separate savings account earmarked for holiday shopping. Bundle giftsOne of my favorite ways to save on holiday shopping is to bundle gifts per family or group.

Persons: you'll, — Organizations: Service, Quicken, Hulu, Netflix, Starbucks

Quicken is offering 50% off its products as a Black Friday deal, starting Tuesday through Sunday, December 3. Intuit is shutting down its popular app, Mint, which leaves users looking for an alternative. download the app Email address Sign up By clicking “Sign Up”, you accept our Terms of Service and Privacy Policy . Intuit wants Mint users to move to Credit Karma, another money-management tool in Intuit's portfolio, but Credit Karma lacks the monthly budgeting features that helped make Mint so popular. Even without the Black Friday deal, Simplifi is more affordable than comparable options, like YNAB and Monarch Money.

Persons: — Organizations: Quicken, Intuit, Service, Karma, Mint, Business

☆ Florida scientists are giving coral IVF treatments to help bolster dying reef
▼ + stars: | 2023-11-19 | by ( Hannah Getahun | ) www.businessinsider.com time to read: +3 min

Coral reefs are experiencing mass bleaching and die-off events due to climate change. Following a record marine heat wave this past summer, Florida's iconic coral reef experienced massive bleaching and die-offs. The water is also injected with nitrogen and phosphorus — chemical pollutants most often associated with fertilizer runoff that could exacerbate coral bleaching . Another method that the team is looking at is targeting the reproduction of coral to help boost their populations. For years, scientists have been looking for ways to make coral resistant to heat as climate change results in more marine heatwaves and healthy coral reefs continue to decline.

Persons: Ian Enochs, Enochs, Andrew Baker Organizations: Service, Florida Fish and Wildlife Research Institute, Oceanographic, Meteorological Laboratory, Wall Street Journal, quicken, BBC, Darpa Locations: Florida

For Love & Money is a column from Business Insider answering your relationship and money questions. Our columnist says that just because hard work is virtuous, not doing that hard work isn't wrong. Write to For Love & Money using this Google form. But we've all struggled to do hard things, and that sense of achievement we feel when we're done speaks for itself. Write to For Love & Money using this Google form .

Persons: —, we've, it's, There's, we're, I've, you've, Get Organizations: Business, Service, Quicken, SEC

For people who don't need more things, buying experiences is a great way to feel good giving a gift. While I don't throw budgeting out the window around the holidays, I do prioritize feeling good about how I'm spending my money. This way, I'm all ready to shop those good, good markdowns. Even if I'm not spending money on the item, someone is. I'm taking my Dad out for dinner and a dance performance as the main part of his Christmas gift this year.

Persons: —, I've, I'm, thrifting Organizations: Service, Christmastime, Quicken

Inflation and Fed hikes have pushed mortgage rates to their highest rate in 20 years. 30-year mortgage rates are expected to fall in 2024. Before you rush to buy a house, look beyond the interest rate. Before inflation and high interest rates, mortgage rates were around 3% … now they can be as high as 8%, the highest rate in 20 years. Here are three signs you shouldn't rush to buy a home even if interest rates fall.

Persons: —, you've Organizations: Service, Quicken Locations: American

Known for donning a bow tie and bicycle pin, Blumenauer, 75, has served roughly five decades in public office at the local, state and federal level. “I spent a career working to make Portland the most livable city in the country. He would go on to serve as a commissioner in Multnomah County, home to Portland, and on the Portland City Council before being elected to the U.S. House in 1996. His legacy remains visible today — a bike and pedestrian bridge that opened in the city last year bears his name. Report for America is a nonprofit national service program that places journalists in local newsrooms to report on undercovered issues.

Persons: Earl Blumenauer, We’ve, “, ” Blumenauer, Kevin McCarthy, that's, ”, Jonathan Maus, Blumenauer, Hakeem Jeffries, “ Earl, ” ___ Claire Rush Organizations: — U.S . Rep, Associated Press, Oregon House, Portland City Council, U.S . House, Congressional, Caucus, Rep, Washington D.C, Congress, quicken, Congressional Cannabis Caucus, Congressional Progressive Caucus, America Statehouse News Initiative, America Locations: PORTLAND, Oregon, Portland, City Hall, Multnomah County, Mount Hood, Columbia, America, ”, Washington

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