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☆ Here's the deflation breakdown for April 2024 — in one chart
▼ + stars: | 2024-05-16 | by ( Greg Iacurci | ) www.cnbc.com time to read: +5 min

Consumers have largely seen prices deflate for physical goods, such as cars, furniture and appliances, economists said. They've also declined for some groceries and other things, such as travel, according to the consumer price index. Physical goods prices have deflated in all but one month since May 2023, for example. watch nowThe U.S. dollar's strength relative to other global currencies has also helped rein in prices for goods, economists said. Downward pressure on goods prices has waned a bit in recent months as supply-and-demand dynamics have normalized, economists said.

Persons: Oscar Wong, They've, they've, Michael Pugliese, Stephen Brown, Mark Zandi, Zandi, Hayley Berg, Hopper, There's, Brown Organizations: Consumers, Wells, Wells Fargo Economics, North, Capital Economics, Finance, GameStop, AMC, U.S, Federal Reserve, Canadian, Moody's, Airlines Locations: Wells Fargo, North America, U.S

☆ 7 of the best scents to wear this spring, according to professional perfumers
▼ + stars: | 2024-04-06 | by ( Cheyenne Lentz | ) www.businessinsider.com time to read: +5 min

Silent florals continue to be popularMany familiar scents from the garden, including lilac, are popular in spring fragrances. Citrus and fruity scents have uplifting and refreshing qualitiesFresh culinary scents including citrus and other fruits are popular notes for spring fragrances. Oscar Wong/Getty Images"Citrus scents are always popular for spring, as they bring a refreshing and uplifting feel," Gavarry said. Indulgent scents, such as vanilla, are on the riseToday's consumers are being drawn to scents that delight and allow you to escape, according to Gavarry. With that, there has been a growing interest in scents that are more indulgent and pleasurable, and this will likely continue through spring.

Persons: —, perfumers, Clement Gavarry, Rodrigo Flores, Roux, Tom Ford, Woody, Gavarry, florals, Christophe Lehenaff, hyacinth, Flores, Oscar Wong Organizations: Service, McKinsey & Company, Business, Inter Parfums, Dolce Locations: Givaudan, Swiss, gardenia

☆ A body-clock researcher explains why he never eats high-protein meals at night, and waits 1 hour to eat breakfast
▼ + stars: | 2024-03-28 | by ( Hilary Brueck | ) www.businessinsider.com time to read: +6 min

Read previewScientist Satchidananda Panda has always been fascinated by what our bodies' internal clocks can do for us. AdvertisementPanda says if you're going to eat a protein-rich meal, make sure you time it so it's not too late after dark. Randy Shropshire/Getty ImagesResearch shows that late-night eating prompts the body to overproduce stomach acid. This is advice some muscle-builders and other researchers disagree with — they say drinking protein shakes at night can help with muscle growth. Advertisement"If we eat a high protein load late in the night, then our stomach produces disproportionately more acid to digest that," Panda said.

Persons: —, Panda, Satchidananda, Randy Shropshire, he's, Oscar Wong Organizations: Service, Business, Salk Institute for Biological Studies, Getty, Research, San Diego firefighters Locations: Venice Beach, Venice , California

☆ Stop being fooled by misinformation. Do this instead
▼ + stars: | 2023-11-29 | by ( Sandee Lamotte | ) edition.cnn.com time to read: +8 min

It’s a text from your credit card company — someone is trying to purchase a $2,500 laptop using your account number. Be it finance, health care or politics, there is a global “infodemic” of misinformation that is affecting people’s health and well-being, according to the World Health Organization. “For most of the population who isn’t extreme in their attitudes, fact-checking and debunking reduces the degree to which people rely on falsehoods, but it doesn’t fully eliminate it,” van der Linden said. This approach works much like a vaccine, van der Linden said. “Instead of talking about immigration or abortion, talk about ‘Star Wars’ and ‘South Park’ as a starting point,” van der Linden said.

Persons: COVID, ”, Sander van der, van der Linden, Oscar Wong, nudges, “, ” van der Linden, you’re, Anakin, Obi, ” Obi, “ We’ll Organizations: CNN, Facebook, World Health Organization, WHO, “, Social, University of Cambridge, American Psychological Association, Getty, Cambridge, Research, ‘ Locations: Sander van der Linden, Covid, Cambridge, Canada, absolutes

☆ Credit card users paid nearly $164 billion in fees, interest in 2022. It may 'get a little worse,' analyst warns
▼ + stars: | 2023-10-19 | by ( Ana Teresa Solá | ) www.cnbc.com time to read: +3 min

Some credit card companies charge as much as $41 for a missed payment. Proposed changes are meant to fill gaps in the Credit Card Accountability Responsibility and Disclosure Act of 2009, or CARD Act. The law imposed guardrails on credit card companies, like price controls on penalty fees and specific conditions in which they can be charged. However, there is no restriction on how much APR a company can charge nor language on late fees. How to minimize credit card fees, interestCardholders paid on average $76.27 in fees and interest per credit card account in the fourth quarter of 2022, WalletHub found.

Persons: Oscar Wong, Biden, Schulz, Cardholders, WalletHub, it's, cardholders, Autopay, Matt Schulz, Sara Rathner Organizations: Federal Trade Commission

☆ 8 easy — and cheap — ways to cut your carbon emissions
▼ + stars: | 2023-08-30 | by ( Greg Iacurci | ) www.cnbc.com time to read: +7 min

Here are some easy — and inexpensive or no-cost — ways to reduce your carbon footprint today, according to efficiency and environmental experts. As such, the average household saves about $225 in energy costs per year by switching to LED lighting, the Energy Department said. Cut food wasteErlon Silva - Tri Digital | Moment | Getty ImagesThe average American wastes more than 400 pounds of food a year. A washing machine spends 90% of its energy to heat water, for example, the Consumer Federation of America said. Even putting something like a brick in your toilet tank will displace — and therefore save — water.

Persons: Katharine Hayhoe, Keoleian, Jose Luis Pelaez, Hayhoe, Oscar Wong, Tom Werner, Digitalvision Organizations: Nature Conservancy, Texas Tech University, U.S . Department of Energy, Energy Department, Silva, Tri, Environmental, Agency, Consumer Federation of America, Public, Getty Locations: U.S

☆ Britain faces a mortgage crisis with renters and homeowners in the crossfire. Here's how to protect your money
▼ + stars: | 2023-08-02 | by ( Sophie Kiderlin | In | ) www.cnbc.com time to read: +5 min

"Demand is being stoked by a strong jobs market, record immigration and rising mortgage rates," Donnell said. Mortgage crisisBritain's mortgage crisis has been brewing for months. Nicholas Mendes, a technical mortgage manager at mortgage broker and advisor John Charcol, told CNBC Make It that there are pros and cons to both. Prospective buyers may feel "trapped" in the rental market, which could deter them from trying to buy, they told CNBC Make It. Higher mortgage rates are prompting some of those who still have mortgages to pay off to pass on those additional costs to renters, he said.

Persons: Oliver Knight, Knight Frank, Oscar Wong, Ed Monk, Richard Donnell, Zoopla, Donnell, Monk, Nicholas Mendes, John Charcol, Mendes, Urvish Patel, Barry Naisbitt Organizations: Fidelity International, CNBC, Mortgage, Bank of, Bank of England, National Institute of Economic, Social Research Locations: Britain

You also may find more time to review your financial goals and decide whether you need a reboot. Here are three key actions financial experts suggest you take midyear. Oscar Wong | Moment | Getty Images"Make practice payments to yourself," said Corbin Blackwell, a CFP and senior financial planner at Betterment. Check your tax withholdingTo avoid having too little tax withheld from your pay and facing an unexpected tax bill or penalty at tax time next April, check your tax withholding. Adjusting your tax withheld now can also help with your cash flow and ensure you receive a bigger paycheck and smaller refund at tax time.

Persons: Stacy Francis, —, Jordan Awoye, Oscar Wong, Corbin Blackwell, Tim Maurer, Blackwell Organizations: Francis Financial, Awoye, CNBC, IRS Locations: New York, Bay Shore , New York, Atlanta, Charlotte

☆ How generative A.I. and low-code are speeding up innovation
▼ + stars: | 2023-05-19 | by ( Rachel Curry | ) www.cnbc.com time to read: +4 min

Oscar Wong | Moment | Getty ImagesIndependently, generative artificial intelligence and low-code software are two highly sought-after technologies. While the intersection of low-code and AI feels natural, it's crucial to consider nuances like data integrity and security to ensure a meaningful integration. Additionally, rather than the AI revolution replacing low-code, Varadharajan said, "One doesn't replace the other, but the power of two is going to bring a lot of possibilities." Low-code software increases the accessibility of development across organizations (often to so-called citizen developers) while generative AI increases organizational efficiency and congruence. "Even now, we are still grappling with the possibilities of what generative AI can do," Varadharajan said.

☆ Investing Club mailbag: How does a new member start investing in the stock market?
▼ + stars: | 2023-04-13 | by ( Zev Fima | ) www.cnbc.com time to read: +4 min

— Henrick S. First and foremost, new members should not rush into any individual stock when joining the Club. For the Club portfolio, we tend to start with a roughly 1% position and determine follow-up purchases based on the news flow, price action and market setup. As a subscriber to the CNBC Investing Club with Jim Cramer, you will receive a trade alert before Jim makes a trade. THE ABOVE INVESTING CLUB INFORMATION IS SUBJECT TO OUR TERMS AND CONDITIONS AND PRIVACY POLICY , TOGETHER WITH OUR DISCLAIMER . NO FIDUCIARY OBLIGATION OR DUTY EXISTS, OR IS CREATED, BY VIRTUE OF YOUR RECEIPT OF ANY INFORMATION PROVIDED IN CONNECTION WITH THE INVESTING CLUB.

☆ Health experts call for a ban on toxic 'forever chemicals' after EPA moves to cut them from tap water
▼ + stars: | 2023-03-18 | by ( Morgan Mcfall-Johnsen | Jessica Orwig | ) www.businessinsider.com time to read: +7 min

Toxic PFAS, aka "forever chemicals," are in water, food, furniture, and clothes across the US. The EPA's new proposal to limit the substances in drinking water is a step in the right direction. On Tuesday the US Environmental Protection Agency proposed strict limits on six per- and polyfluoroalkyl substances (PFAS) in drinking water. The chemicals are prolific in everyday human environments — in our water, food, air, and even the dust in our homes. That means more and more of them are getting into the environment — and drinking water — every day.

☆ Women aren't investing at the same rate as men. Here's why it matters—and how the gap can be closed
▼ + stars: | 2023-03-09 | by ( Michelle Fox | ) www.cnbc.com time to read: +5 min

BNY Mellon also interviewed 100 global asset managers with $60 trillion in assets under management. One is that the investment industry isn't engaging women to the same degree as men, BNY Mellon's research found. Then there is the high hurdle of the disposable income women think they need to have before they invest. On average, women around the world believe they need $4,092 a month before they would consider investing any of it, BNY Mellon found. "Once you control for income, many of those differences between men and women and investing behaviors kind of disappear.

☆ Dogs poop less if they eat human-grade food, but it may not be better for their health, say experts
▼ + stars: | 2022-12-28 | by ( Marianne Guenot | ) www.businessinsider.com time to read: +4 min

It's not clear whether human-grade food is better for dogs' health, experts said. A 2021 study followed the poop output of 12 dogs fed "fresh" dog food (from the FreshPet brand), classic dog food ( from Blue Buffalo), or "human-grade" beef or chicken dog food (JustFoodForDogs) for 28 days. The study found that the dogs pooped around half as much when eating fresh and human-grade food — a drop of 50% to 70%. None so far have definitively shown that kibble or canned food is worse for the dog's health or lifespan, he said. In the process, molecules that could be bad for your dog's health appear in the food.

Oscar Wong/Getty ImagesYou can stack promotions, discount codes, shopping portal payouts, and credit card rewards to save big when you shop online. Visit a shopping portalIf at all possible, you should begin every online shopping trip with a shopping portal. Shopping portals will give you bonus rewards simply for clicking through to a merchant's website via their link. Maximize bonus spending categoriesThe card I'm using to leverage my Overstock.com Chase offer is the Chase Freedom Flex℠. This is the price that the shopping portal, Chase Offer, and bonus points for spending will use to calculate my return.

Oscar Wong/Getty ImagesFor a limited time, the Alaska Airlines Visa® Credit Card by Bank of America is offering a huge welcome bonus, plus a Companion Fare ($99 fare plus taxes and fees from $22). Cardholders earn unlimited 3x miles on eligible Alaska Airlines purchases (and 1x miles on everything else). If you travel on the airline, the Alaska Airlines Visa® Credit Card could well be worth the moderate $95 annual fee. Flight distance Alaska miles required one-way (economy class) Alaska miles required one-way (first class) 700 miles or less 5,000 15,000 701 to 1,400 miles 7,500 25,000 1,401 to 2,100 10,000 25,000 2,101 miles or more 12,500 30,000You can also redeem miles towards a 50% discount on ticket booking (with limits). It's crucial that you don't forget to use your miles in a timely manner, since Alaska miles expire after 24 months.

Bank of America cardholders can activate a free year of Grubhub+, which comes with free delivery on orders of $12 or more. Oscar Wong/Getty ImagesEligible Bank of America cardholders can now get a free year of Grubhub+ membership. Here's what you need to know if you decide to activate a free Grubhub+ membership with your Bank of America card. Get free Grubhub+ membership with Bank of America cardsIf you spend big on food delivery and are looking for easy ways to save, a trial Grubhub+ membership could prove beneficial. How to activate your free Grubhub+ membershipBank of America cardholders have to manually activate the offer in order to receive their free trial Grubhub+ membership.

Persons: Oscar Wong, Read, —, Chase, you'll, We're, cardholders Organizations: Business Insider, Alaska Airlines Visa, Bank of America, Getty, of America, Service, American Express, Walmart, America, Amazon, Grubhub, American

☆ 5 ways I'm still using travel credit cards to maximize online grocery shopping — from bonus points to stacking discounts, the rewards are too good to pass up
▼ + stars: | 2022-03-17 | by ( Carly Helfand | Jasmin Baron | Read More | ) www.businessinsider.com time to read: +12 min

Our experts answer readers' credit card questions and write unbiased product reviews (here's how we assess credit cards). Skipping the store and ordering groceries online is still an excellent way to earn bonus credit card rewards. The array of bonus points and savings offers available to those with travel credit cards. Note that credit card lenders may use many different variations of credit score models when considering your application. Amazon Shop with PointsAnother perk of buying groceries online is the ability not just to earn bonus points, but to use those points to cover your orders, too.

Persons: haven't, Chase, Oscar Wong, I'm, We're, Read, Amex, Hilton, they've, Delta, Instacart, cardholders, you'll Organizations: Service, Business, Hilton, Amazon, Chase Sapphire, Target, Walmart, Chase, Sapphire, FDIC, American, Hyatt, Hilton Honors, American Express, Foods, Instacart Express, Citi, Capital Locations: Wall, Silicon, Amex

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