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☆ 5 financially independent individuals and couples share the book that changed their investment strategy
▼ + stars: | 2024-05-04 | by ( Kathleen Elkins | ) www.businessinsider.com time to read: +4 min

When you invest in an index fund, you're essentially buying a basket of stocks that represents a broad market or theme. "That book makes a really good case for index funds." They own the Vanguard 500 Index Fund Admiral Shares Fund (VFIAX), the Vanguard Information Technology Index Fund ETF (ETF, VGT), and the Fidelity MSCI Information Technology Index ETF (ETF, FTEC). Note that ETFs, like index funds, offer an easy way to diversify and bundle several securities into one investment. Since index funds are passively managed, they typically have lower costs than actively managed funds — and, historically, they outperform active funds.

Persons: Carl, Mindy Jensen, JL Collins, Mindy, it's, They're, Collins, Jamila, Ali, Josh Lupo, Josh, Jack Bogle, Warren Buffett Organizations: Business, Independence, Apple, Microsoft, IRA, FIRE, Fund, Vanguard Information Technology Index Fund ETF, Fidelity Locations: American

☆ 'Super savers' are spending little to no money on housing to free up extra cash. Here are 3 strategies they use to lower their rent or mortgage payments.
▼ + stars: | 2024-02-29 | by ( Kathleen Elkins | ) www.businessinsider.com time to read: +5 min

Heilbron, along with other "super savers" — individuals who save more than half of their incomes — have found creative ways to lower (or eliminate) the biggest expense Americans face: housing. US Bureau of Labor StatisticsHere's how the experts save on rent or mortgage payments, listed in order of simplicity. Courtesy of Karina MejiaIf you can live with family, that's another way to save on housing. But, especially if you're based out of a major city, the further you go away from the city center, the more affordable space you're going to find. While it is perhaps the most effective way to lower housing costs, it is also the most complex in that it requires owning a home.

Persons: you'll, Avery Heilbron, Steven Keys, Lauren, Karina Mejia, Ali, Josh Lupo, Todd Baldwin Organizations: Business, Consumer, Bureau of Labor Statistics, of Labor Statistics Here's Locations: Boston, Augusta, San Francisco, Orlando, New York, Seattle

☆ 'Super savers' are using a simple 2-pronged approach to save more than half their paycheck and achieve financial independence
▼ + stars: | 2024-02-18 | by ( Kathleen Elkins | ) www.businessinsider.com time to read: +4 min

Business Insider has spoken to dozens of “super savers” who are setting aside more than half of their paychecks — and they make it sound relatively easy. The couple says they save 100% of their 9-to-5 income , thanks to a low cost of living and various revenue streams. That’s what early retirees Lauren and Steven Keys experienced . Lauren and Steven Keys quit full-time work in their 20s. Their side hustle income more than sustains their lifestyle, meaning they can save 100% of their day job income.

Persons: It’s, doesn't, Josh Lupo, Ali, Josh, Lauren, Steven Keys, Steven, ”, Avery Heilbron, you'll Organizations: Business Locations: San Francisco, hustles

☆ Pompeii 'curse' myth: Tourist returns stones stolen from ancient city with letter saying she has since been diagnosed with breast cancer
▼ + stars: | 2024-01-20 | by ( Rebecca Rommen | ) www.businessinsider.com time to read: +3 min

A woman claimed she was "cursed" after stealing artifacts from Pompeii. She said she was diagnosed with breast cancer within a year of taking pumice stones from the ruins. AdvertisementA woman who said she was diagnosed with breast cancer after stealing artifacts from Pompeii said she hadn't' known about "the curse," referencing a myth that stealing from the site brings bad luck. "I am a young and healthy female, and doctors said it was 'just bad luck.' "Please, take them back, they bring bad luck," she wrote, per The Guardian.

Persons: —, Gabriel Zuchtriegel, Zuchtriegel, bocca al lupo, Italy's RaiNews, Atlantide Phototravel, Nicole Organizations: Service, Daily Mail, Guardian, Reuters Locations: Italy, Atlantide, Canadian, Pompeii

☆ Walmart changes pay and titles for corporate staff- WSJ
▼ + stars: | 2023-09-30 | by ( Reuters Staff | ) www.reuters.com time to read: +1 min

REUTERS/Kamil Krzaczynski/File Photo(Reuters) -Walmart corporate staff are getting new titles and pay packages in the coming weeks to manage labor costs and simplify the structure of the company’s workforce, the Wall Street Journal reported on Saturday. Starting in November, many corporate workers at Walmart and Sam’s Club, its warehouse chain, will be reclassified into fewer groups of possible titles and pay. Base pay and total bonus benefits won’t fall for any workers. Around 4%, or 2,000, will receive an eventual reduction in stock-option awards as part of the change, the report added. Earlier this month, Walmart changed the hourly starting wage structure for entry-level store workers.

Persons: Kamil Krzaczynski, Kim Lupo Organizations: REUTERS, Walmart, Wall Street, Sam’s, Base Locations: Chicago , Illinois, U.S

☆ Walmart says is streamlining job titles, changes pay for corporate staff
▼ + stars: | 2023-09-30 | by ( Gursimrankaur Mehar | ) www.reuters.com time to read: +2 min

REUTERS/Kamil Krzaczynski/File Photo(Reuters) -Walmart on Saturday said that it will streamline job titles across its corporate staff, to ensure that it remains competitive. While some staff will receive a new job title, their roles, responsibilities, type of work and base pay will not change, the retailer said. Corporate employees at Walmart and Sam’s Club, its warehouse chain, will be reclassified into fewer groups of possible titles and in some cases, pay changes will go into effect, starting in November. About 4% of the staff will see a decrease in stock-option awards to ensure compensation is aligned across geographies, Walmart said. Staff who will see a reduction in stock options will receive a stock grant to account for the change.

Persons: Kamil Krzaczynski, “, ”, Kim Lupo Organizations: REUTERS, Walmart, Corporate, Sam’s, Staff, Street Locations: Chicago , Illinois, U.S

☆ Walmart changes pay and titles for corporate staff, Wall Street Journal reports
▼ + stars: | 2023-09-30 | by ( ) www.reuters.com time to read: +2 min

REUTERS/Kamil Krzaczynski/File Photo Acquire Licensing RightsCompanies Walmart Inc FollowSept 30 (Reuters) - Walmart (WMT.N) corporate staff are getting new titles and pay packages in the coming weeks to manage labor costs and simplify the structure of the company's workforce, the Wall Street Journal reported on Saturday. Starting in November, many corporate workers at Walmart and Sam's Club, its warehouse chain, will be reclassified into fewer groups of possible titles and pay, the report added. Around 4%, or 2,000, will receive an eventual reduction in stock-option awards as part of the change, the report said. The change is "good compensation hygiene," and ensures Walmart is "appropriately rewarding similar levels of work," Lupo said. Earlier this month, Walmart changed the hourly starting wage structure for entry-level store workers.

Persons: Kamil Krzaczynski, Kim Lupo, Lupo, Gursimran Kaur, Andrea Ricci, Marguerita Choy Organizations: REUTERS, Walmart, Wall Street, Sam's, Base, Workers, Thomson Locations: Chicago , Illinois, U.S, Bengaluru

☆ The Best Electric Razors for Women for a Smooth Finish
▼ + stars: | 2023-09-12 | by ( Abbie Kozolchyk | ) www.wsj.com time to read: +10 min

Buyers are increasingly going electric—some because electric shavers lead to far less landfill waste than disposable versions you’d replace daily or weekly. The back of the leg calls for pivoting heads, too, says Dr. Sarkar. “Many electric shavers have Lithium-ion batteries,” notes Dr. Sarkar—so carry-on would be your only option. Epilators, which do remove hair this way, sometimes get misclassified as electric shavers. So if you’re looking for something that will literally uproot your hair, electric shavers aren’t right for the job—but epilators are.

Persons: Abbie Kozolchyk, shaver, ”, Ava Shamban, who’s, Braun, Gentle Trimmer, Newton, Papri Sarkar, trimmer, Joshua Zeichner, Sarkar, Remington shaver, “, There’s, don’t, Melissa Dezarate, groomer, Mary Lupo, M.D, Zeichner, you’re, Shamban, you’ll Organizations: Gillette, AA, Mount Sinai, AAA Locations: TikTok, Beverly Hills, Santa Monica, Calif, Germany, Mount, New York City, New Orleans

☆ 5 real-estate investors who 'house hacked' to afford their first properties explain how the strategy works and can help anyone build wealth
▼ + stars: | 2023-08-14 | by ( Business Insider | ) www.businessinsider.com time to read: +7 min

If you're looking to get into real estate, house hacking is a strategy worth considering. Insider spoke to investors who used house hacking to get their start and build equity quicker. One strategy that first-time homebuyers looking to break into the market could consider is called "house hacking." Here are five individuals who used house hacking to get their start and build equity quicker while lowering their overall risk. He was bringing in $3,600 per month in rental income, which more than covered his $3,300 mortgage payment.

Persons: it's, Peter Keane, Rivera, Rivera Peter Keane, Keane, Todd Baldwin, Todd Baldwin Seattle, Avery Heilbron, Heilbron, Ali, Josh Lupo, Josh Lupo Ali, they'd, Josh Organizations: Service Locations: Wall, Silicon, America, Seattle, Boston, New York

☆ Does It Help With the Regret, Too? Hangovers Meet IV Drips.
▼ + stars: | 2023-06-29 | by ( Amelia Nierenberg | ) www.nytimes.com time to read: +1 min

“Getting an IV at home after a hangover is like a flex,” said Dr. Abe Malkin, the chief executive and founder of Drip Hydration. I don’t need to sit and suffer.’”Many users see the drips as an add-on to a weekend splurge, especially in party destinations. In Miami, Lupo Yachts, a charter luxury tour company, offers a suggestion for an IV drip company to groups. Let’s fix you.’”Hospitals use IV drips regularly to hydrate patients, said Dr. Ali Raja, the deputy chair of emergency medicine at Massachusetts General Hospital. Dr. Raja said that there was only limited scientific research into the treatments.

Persons: ”, Abe Malkin, Lupo, Michael Lupolover, “, ‘ I’m, I’m, ’ ”, Rob McAdams, Ali Raja, Raja Organizations: In Miami, Lupo Yachts, Massachusetts General Hospital Locations: Las Vegas, Coachella, In, Massachusetts

☆ James Beard Award 2023 winners announced
▼ + stars: | 2023-06-06 | by ( Marnie Hunter | Forrest Brown | ) edition.cnn.com time to read: +12 min

The awards have been presented in the Windy City since 2015 and are set to remain there through 2027. Like last year, much of the 2023 show was focused on showcasing the new push for greater diversity. The James Beard Foundation has been mired in controversy over the past few years. The winner of the South category, Natalia Vallejo, is the first Puerto Rican native to win a James Beard Award. Here’s the full list of the 2023 James Beard Restaurant and Chef Awards nominees.

Persons: James Beard, Eric Adjepong, Esther Choi, Andrew Zimmern, Gail Simmons, ”, ” Simmons, Gregory Gourdet, Kann, ” Sherry Pocknett, Sly Fox, James, Ellen Yin, J.B . Pritzker, Chicago Mayor Brandon Johnson, foodie, James Beard’s, “, Timothy Hontzas, Sam Fore, Mariah Carey, Monti Carlo, Natalia Vallejo, Rachel Miller, Nightshade Noodle, Lynn, Niki Nakayama, Erik Ramirez, NY Rob Rubba, Hajime Sato, Sozai, Celeste Noche, NY Don, Brandon Chrostowski, Greg Dulan, CA Aaron Hoskins, Sarah Simmons, Elie Yigo, Quynh Pham, WA Ellen Yin, Damarr Brown, Virtue, Rashida, LA Charlie Mitchell, Clover, NY Amanda Shulman, Angelo, Bakeshop, Zak, Baker, Baker Veronika Gerasimova, Elaine Uykimpang Bentz, Café Mochiko, Vince Bugtong, Margarita Manzke, CA Shawn McKenzie, Café, AL Lula Drake, Los Angeles , CA Spencer, Ann, Brownsville , TX Rob Roy, California Gilberto Cetina Jr, CA Kyle, Katina, Brandon Hayato Go, Hayato, Los Angeles , CA Justin Pichetrungsi, Carlos Salgado, Taco, Omar Anani, Saffron De, Diana Dávila, IL Tim Flores, Genie Kwon, IL Andy Hollyday, MI Sarah Welch, Marrow, Jesse Ito, Cantina La, Kate Lasky, Tomasz Skowronski, Michael Rafidi, Sanaa, Gregory León, Francesco Mangano, Osteria, Madison , WI Itaru Nagano, Andrew Kroeger, Madison , WI David Utterback, Salvador Alamilla, Amano, Caldwell, Michael Diaz de Leon, Suchada Johnson, WY Kris Komori, Ali Sabbah, Brooklyn , NY Mary Attea, Amanda Cohen, Dirt, Valentine Howell, Hunter, CT Sherry Pocknett, Renee Touponce, Joshua Dorcak, Vince Nguyen, Thomas Pisha, Gado, Beau Schooler, Bocca Al, AK Aaron Verzosa, KY Josh Habiger, TN Sam Hart, NC Terry Koval, Paul Smith, Ana Castro, Lengua, LA Timothy Hontzas, AL Henry Moso, Alex Perry, Kumi Omori, Cocina al, Oscar Amador, Kaoru Azeuchi, KAISEKI, Andrew Black, Jeff Chanchaleune, Ma Der, Justin Pioche, Texas Reyna, Painter, Houston , TX Emiliano Marentes, El Paso , TX John Russ, Clementine, San Antonio , TX Ernest Servantes, David Kirkland, Jim Embry, Valerie Horn, Savi ” Horne, Ira Wallace, Olivia Watkins, Karen Washington, Madur Jaffrey Organizations: Washington , D.C, Lyric Opera of, Illinois Gov, Chicago Mayor, Philadelphia, James Beard Foundation, James, New York Times, CNN, Foundation, WA Coracora, Sunday, of Culture, NY, Neng, EDWINS, Restaurant Institute, Hospitality, SC Yenvy, Street Hospitality, Mbaye, Dakar, WA Bottega, AL, SC, Beverages, Merchant, WA BEST, Sherman, Taco María, Selden, D.C, Madison , WI Itaru, Fairchild, Madison , WI, WY, New, New York State, NY Shaina Loew, Pacific, AK, TN, EDO, Food, Burnt Bean, Sustainable Communities Network, Cooperative Farming, Community Center, Southern, Sierra, Burgerville Workers Union, Black Farmer Fund Locations: Philadelphia, Haitian, Pacific, Washington ,, Lyric Opera of Chicago, livestream, Windy City, Boise , Idaho, Madison , Wisconsin, Oklahoma, Monson , Maine, Haiti, Charlestown , Rhode Island, Puerto Rican, Los Angeles, Brooklyn, NY, Washington, Clawson, MI, Seattle, West Hartford, Philadelphia ,, Lucia, Dallas ,, Cincinnati, Portland , Oregon, of Culture , New York, Mexican, Fort Worth , TX Kann, Portland, Milwaukee ,, Asheville , NC, Chicago, Houston , TX, Cleveland, Crenshaw, Columbia, WA, Rashida Holmes, Bridgetown Roti, Los Angeles ,, Dakar NOLA , New Orleans, LA, Clover Hill, New Orleans, Richardson ,, Kansas City ,, Miami, Billings, San Francisco ,, Café Cerés, Minneapolis, Cypress, Pullman, Birmingham, Quarry, Monson, IL, New York, Houston ,, Ann Arbor, Honolulu, Shawnee, KS, Las Vegas, Brownsville , TX, Healdsburg, Sherman Oaks, Costa Mesa ,, Lakes, Saffron De Twah, Detroit ,, Detroit, NJ, PA, , Philadelphia, Cantina La Martina, Apteka, Pittsburgh, Albi , Washington, Kalaya, MN, MO, Sioux Falls, Amilinda, Milwaukee, Osteria Papavero, Madison ,, Yoshitomo, Omaha, UT, WY, Salvador, BRUTØ, Denver, Teton, Teton Village, Boise, Salt Lake City, Sofreh, Brooklyn , NY, , New York, Hudson, Atomix , New York, NH, RI, Krasi, Boston, New Preston, Charlestown, Siu, Yunnan, The, MÄS, Ashland, Berlu, Gado Gado, Bocca Al Lupo, Juneau, Archipelago, KY, NC, TN, WV, Lexington, Bastion, Nashville, Charlotte, Decatur, Charleston, Lengua Madre , New Orleans, Homewood, Orlando, Springs, Cocina, Cocina al Fondo, San Juan, AZ, NM, Oklahoma City, Fruitland, Navajo Nation, Sandwich Hag, El Paso , TX, San Antonio ,, Seguin ,, City of Whitesburg

☆ After interviewing dozens of real estate investors, I've learned that it's more affordable to become one than you may think. The one strategy that many of them use to afford their first property is ca
▼ + stars: | 2023-03-24 | by ( Kathleen Elkins | ) www.businessinsider.com time to read: +7 min

Buying real estate can be a daunting and expensive process, but it's not impossible. A handful of successful real estate investors afforded their first property by "house hacking." A couple with a combined $100,000 in debt and social-worker salaries explained to me how buying real estate actually helped them pay down their debt. "It's the most inexpensive way to buy real estate," 28-year-old property owner Avery Heilbron, who afforded his first property by house hacking, told Insider. The aforementioned couple who got into real estate investing despite six-figures worth of debt also did so by house hacking.

☆ 8 money books that can help you build wealth in 2023, according to real estate investors, 'super savers,' and finance experts who have read them cover-to-cover
▼ + stars: | 2022-12-27 | by ( Kathleen Elkins | ) www.businessinsider.com time to read: +8 min

Another popular choice among real estate investors specifically is "Rich Dad Poor Dad." It was Ramit Sethi's popular money book that taught them how to be more intentional when it came to spending. Real estate"Retire on Real Estate" by Kai AndersonAvery Heilbron, who achieved financial freedom before 30 partly thanks to his investment properties, says that "Retire on Real Estate" is what nudged him in the direction of buying property to build wealth. Courtesy of Avery HeilbronIf you want to build long-term wealth, "I think real estate is 100% the best thing," Heilbron said. "Rich Dad Poor Dad" by Robert KiyosakiThis classic by Robert Kiyosaki is a favorite among real estate investors and early retirees, including Mike Zuber, who was able to quit his day job in his 40s thanks to his lucrative real estate portfolio.

☆ 8 'super savers,' early retirees, and money experts share their 'recession-proof' strategies and other top money advice as we head into 2023
▼ + stars: | 2022-12-25 | by ( Kathleen Elkins | ) www.businessinsider.com time to read: +12 min

One expert wants people to know that the stock market is just one way of many to invest. Beef up your emergency fundNew Hampshire-based real estate investor Matt "Lumberjack Landlord" and his family. For him, that means investing in real estate, which he's been doing since he was 23 years old. "If you take your money and buy real estate, you'll never make 30 times or even five times your money in one day. Get creative when it comes to financing your investmentsSeattle-based real estate investor and co-founder of Evergreen Housing Network Ludomir Wanot.

☆ A couple on track to retire before 40 share the 3 money books that changed their financial mindset
▼ + stars: | 2022-12-25 | by ( Kathleen Elkins | ) www.businessinsider.com time to read: +4 min

They started reading money books, including "Set for Life" and "The Simple Path to Wealth." That's when he started diving into personal-finance books, which ultimately would be the impetus for their debt repayment and financial freedom journey. Here are three money books that helped them get to where they are today. "Set for Life" by Scott Trench"Set for Life" was one of the first money books the Lupos read. "This book does a great job of identifying the importance of spending money on your values," said Josh.

☆ A couple on track to retire in their 30s share their top 3 strategies for achieving financial freedom, including their house-hacking tactics
▼ + stars: | 2022-11-25 | by ( Kathleen Elkins | ) www.businessinsider.com time to read: +6 min

Ali and Josh Lupo, founders of The FI Couple, are on track to leave their day jobs and retire before age 40. The couple graduated with a combined $102,000 in student debt and started their careers in social work earning $12 an hour. He realized that if they could buy a duplex and rent out half of it, they'd be able to lower their monthly housing payment significantly. A year later, they raised rent after doing some modest renovations, further lowering their housing payment to $460 a month. Today, they make money from their day job salaries, real-estate holdings, and through social media with The FI Couple.

☆ Walmart expands fertility benefits in US amid rising demand from millennial and Gen Z workers
▼ + stars: | 2022-09-29 | by ( Sarah Belle Lin | ) www.businessinsider.com time to read: +4 min

Walmart employees across the US will soon have access to dozens of fertility clinics. Fertility benefits are becoming a weapon in the war for talent, Fortune recently reported. In a Fortune poll, 45% of workers said fertility benefits are an important component when considering a new job. A fertility survey conducted by Carrot, a global fertility healthcare company, found that millennial and Generation Z employees value fertility benefits: 77% of respondents said that they would stay at a company if it offered fertility benefits, and a large majority of them said they would even consider changing jobs for better benefits. Mercer also has found that DEI values are a key motivation in expanding fertility benefits.

☆ How to achieve financial freedom, according to 11 couples and individuals under 40 who've done it
▼ + stars: | 2022-09-26 | by ( Business Insider | ) www.businessinsider.com time to read: +15 min

For many people, financial freedom means being able to retire early and work only by choice. He believes that real estate is the most tried-and-true way to build wealth, but he also invests in the stock market. If you want to achieve financial freedom and retire early, put in the hours, he advised. "As long as you can live within your means, and you understand your basic necessities, then it's very possible to create financial freedom." "Entrepreneurship has really accelerated our own path to financial freedom, which I would say we have achieved."

☆ 'Super savers' share 7 strategies they use to save more than half of their income
▼ + stars: | 2022-06-21 | by ( Kathleen Elkins | ) www.businessinsider.com time to read: +10 min

'Super savers' who save more than 50% of their income track their spending and set specific goals. They also focus on increasing their income so they have more money to save. Insider rounded up seven savings tactics from "super savers," or people who are setting aside more than 50% of their income, to help you keep more of what you make. Focus on cutting the other 2 major expenses: food and transportationSuper savers will often focus on cutting "the big three expenses": housing, food, and transportation. If you're trying to save money on transportation, use public transit to get around if it's available in your area.

Oamenii legii au stabilit că șoferul mașinii Renault ar fi pierdut controlul volanului și a ieșit pe contrasens. Ulterior s-a ciocnit frontal cu mașina, Volkswagen Lupo, la volanul căreia se afla o tânără de 23 de ani. În urma impactului, șoferița automobilului Volkswagen Lupo a decedat la fața locului, iar conducătorul automobilului Renault Espace a abandonat automobilul și a părăsit locul accidentului. La moment să întreprind măsuri pentru a găsi șoferul. Alte circumstanțe se stabilesc.

Organizations: Renault, Volkswagen, Renault Espace

Persons: fb Organizations: Renault, Volkswagen, Renault Espace

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