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Hailey Bieber shared a photo of the baby she shares with husband Justin Bieber for the first time on social media Thursday. The photo, posted around noon ET to Hailey Bieber's Instagram stories, featured tiny feet in a fuchsia fleece onesie poking out of a car seat. Hailey Bieber via InstagramThe Biebers welcomed baby Jack in August. At the time, Justin Bieber posted a photo of Jack's foot on Instagram with the caption, "WELCOME HOME." Hailey Bieber reposted her husband's photo, adding a teddy bear emoji and a blue heart emoji.

Persons: Hailey Bieber, Justin Bieber, Hailey Bieber's, Jack Blues, Jack, Hailey

☆ A professional declutterer charges $125 an hour to help her boomer clients downsize. She says their kids often don't want their junk.
▼ + stars: | 2024-10-31 | by ( Jane Ridley | ) www.businessinsider.com time to read: +5 min

Carol Applebaum charges $125 an hour and helps her older clients downsize. "It'll be perfect for when she has a baby girl of her own," the woman told Applebaum. "Many parents long to pass down cherished possessions to their children, hoping to preserve family history and memories," Applebaum told Business Insider. If they gave into their guilt, the children felt obliged to take stuff they neither liked nor had room for. Applebaum, who charges $125 an hour for her services, said she is in an optimal position to understand all parties.

Persons: Carol Applebaum, —, Applebaum, they'd, Appelbaum, didn't, They're, they'll, they're, Applebaum decluttering, They'd, " Applebaum Organizations: Service, Boy Scout, Business Locations: New York City, Houston

☆ I left my Big Tech job to bootstrap my own business. I went from making nearly $300,000 to not paying myself a salary.
▼ + stars: | 2024-10-31 | by ( Pooja Shah | ) www.businessinsider.com time to read: +7 min

In October 2023, Soni Mehra left her Big Tech job to focus on her own home decor business. I was accustomed to working with larger teams in Big Tech, so I've had to get used to balancing multiple tasks. Thankfully, I can rely on savings from my prior Big Tech roles. I no longer make the same salary as I did in Big Tech, but still prioritize spending money on things my partner and I value, like travel. People ask me if I'd ever return to Big Tech.

Persons: Soni Mehra, Mehra, —, Gabrielle Wesley, Uber, I'd, I've, I'm Organizations: Big Tech, Service, Uber, Marble Lotus, Business, San, San Francisco Bay Area, Environmental, University of California, Mars, LinkedIn, Marble, Big, Entrepreneurs Locations: Delhi, India, San Francisco Bay, Berkeley, Mars Wrigley North America, COVID, Big Tech, Bay

☆ I have 5 kids and can't pay for their college. I decided not to do a 529 plan, and here's how we are helping them out instead.
▼ + stars: | 2024-10-28 | by ( Kate Wehr | ) www.businessinsider.com time to read: +6 min

Instead of going with 529 plans, we went with UTMA custodial accounts instead; here's why. Here's why we decided UTMA accounts were best for our family situation. UTMA accounts are flexibleWhile 529 plans must be used for education-related expenses, the options for UTMAs are much broader. Like 529 plans, UTMA account contributions are post-tax, meaning that income taxes have already been paid on the money being deposited. AdvertisementWe realize 529 plans would give us more direct control over our children's spending, but sooner or later, they're going to have to grow up.

Persons: —, Andy Esser, Edward Jones, Esser, that's, haven't, We're Organizations: Service, Business

☆ I'm an introvert, and my husband is an extrovert who loves to party. It caused friction and almost cost us our relationship.
▼ + stars: | 2024-10-27 | by ( Kahini Calcuttawalla | ) www.businessinsider.com time to read: +5 min

He liked to invite friends over and party until early in the morning because he's an extrovert. AdvertisementMy husband started out as a friend who I never would have dated if it weren't for the pandemic's strict lockdown. I'm an introvert — someone who usually prefers a low-key hangout with a few close friends or a night in by myself. I wondered if we were incompatibleEven when I enjoy a big social event, I'm exhausted afterward and need time to recuperate. AdvertisementAfter some difficult conversations and compromising, my husband now only goes out on weekends, and I rarely join him.

Persons: —, I'm, couldn't, seltzer, We're, he'll, I've Organizations: Service

☆ I quit my $200K fintech job to take 6 months off. It was just what I needed — and surprisingly easy to find a new role
▼ + stars: | 2024-10-26 | by ( Kelsey Vlamis | ) www.businessinsider.com time to read: +6 min

Jeanne Pastrano quit her $200,000-a-year job in New York after feeling burned out. Pastrano quit her job in April after feeling burned out. Business Insider has reviewed compensation documentation for her previous job and her current job as a strategic account manager at Sardine. It was months and months of planning and preparing financially. AdvertisementI was very transparent about my career break on LinkedIn and in interviews.

Persons: Jeanne Pastrano, —, Pastrano, I'd, you've Organizations: Service Locations: New York, New Jersey

But the unspeakable violence inflicted on this community has spurred a very public purpose for the family: bringing awareness to traumatic brain injuries among military members and a call to action for continued research. Other family members also alerted local law enforcement, which visited Card's home in the weeks before the shooting but did not make contact. Maine's medical examiner requested a postmortem study of Card's brain, which was conducted by the Boston University CTE Center. Through Card's brain being examined after his death, Herling learned about so-called brain banks, a collection of donated brain tissue used for research and education. "Here, I brought the very helmet meant to safeguard my brother's brain," she said, showing the commission the military headgear.

Persons: cornhole, Nicole Herling, Robert Card, Nicole, James Herling, Card, Herling, James, Craig F, Walker, Lester Holt, Chris Nowinski, We're, Nowinski, Ryan Card, It's, Leroy Walker Sr, who've, Joseph Walker, They're, it's, Robbie, Brenda Breslauer, Erik Ortiz Organizations: Army, NBC, Army Reserve, Boston University CTE Center, Boston University, Boston Globe, Getty, NBC News, Brain Bank, Department of Veterans Affairs, Department of Defense, Defense Department, Schemengees Locations: LEWISTON, Maine, Lewiston, Afghanistan, Iraq, Auburn , Maine, Boston, West Point , New York, New York

☆ I raised my kids in Denmark. When we returned to the US, they were far more independent than their American peers.
▼ + stars: | 2024-10-23 | by ( Jane Ridley | ) www.businessinsider.com time to read: +5 min

The family was shocked and disappointed by the coddling of kids when they returned to the US. She was featured in "The Danish Secret to Happy Kids," a new book that champions Nordic parenting. It was a complete 180 from our experience in Denmark, where the kids understood to be careful. The children set the table and helped themselves from a big dish in the middle. But we're grateful we had the chance to raise our children in Denmark — at least for a while.

Persons: Becca Itkowitz, —, I, It's, Max, we'd, Evan, I'd Organizations: Service, Nordic, Business, Denmark — Locations: Denmark, Illinois

☆ Medicare coverage will change in 2025. Some boomers are already struggling to keep up with their medical bills.
▼ + stars: | 2024-10-22 | by ( Allie Kelly | Juliana Kaplan | ) www.businessinsider.com time to read: +9 min

Companies like Aetna or AARP/UnitedHealthcare are merging their coverage plans, while previous insurers like Mutual of Omaha are leaving the market. AdvertisementWhile beneficiaries with Part A and B Medicare could see premium adjustments, most major changes will occur for people with supplemental Part D and Medicare Advantage plans. Healthpilot found that 10% of Medicare Advantage plans will be at the maximum deductible — up from 5% last year. Most Medicare Advantage beneficiaries will still have prescription drug coverage in the new year, but they may face higher out-of-pocket costs. Baby boomers are already struggling with healthcare costsThese changing Medicare costs come as many low-income baby boomers are struggling to keep up with medical bills.

Persons: —, Elizabeth Ayoola, Ayoola, Healthpilot, boomers, Lisa Callejas, Callejas, Betty, Betty —, Betty isn't Organizations: Medicare, Social Security, Service, Insurance, Companies, Aetna, AARP, BI, Healthpilot, Business, Security, Social Locations: Omaha, Mexico, Illinois

☆ My mom came home from dinner to an eviction notice on the door and even worse news to follow. Now I spend $28 a month to make sure it can't happen to me.
▼ + stars: | 2024-10-21 | by ( Matt Seidholz | Read More | Read Less | ) www.businessinsider.com time to read: +7 min

He had a $1.5 million life insurance policy, which my mom used as leverage to get a loan for his care. My mom's experience convinced me to buy a 20-year, $500,000 term life policy of my own, at $28 a month. That math looks grim, and it would look a whole lot worse if my stepfather didn't have a $1.5 million term life insurance policy. Life insurance was a financial lifeline for my motherThough the mortgage had slipped my stepfather's mind, the life insurance premiums were on autopay. Get Life Insurance Quotes Compare affordable life insurance options with Policygenius.

Persons: —, he'd, hadn't, He'd, didn't, Roger Deal, Roger, they'll, Banks, there's, George Bailey Organizations: Service, CPA, Sequoia Wealth Partners Locations: Omaha , Nebraska

☆ I traveled to Bali with my husband and young kids to decompress. 2 years later, we're still here.
▼ + stars: | 2024-10-18 | by ( Alison Emerick | ) www.businessinsider.com time to read: +7 min

Alison Emerick and her husband traveled to Bali for a break on their way home to Colorado. They settled into Bali life quickly, with two young kids, and didn't want to leave. AdvertisementWe settled into Bali life quicklyAs the weeks went by, and life slowed down, we realized we really liked it here. The author, her husband, and two kids embrace Bali life. The author loves how easy it is to pick up the kids from school and head to the beach as a family.

Persons: Alison Emerick, —, It's, we're, Alison Emerick Bali, we've, We've, I've, We're Organizations: Service, Singapore American School, manta Locations: Bali, Colorado, Singapore, Singapore ., Indonesia, Sanur, Canggu, Penida, Komodo, East Java, Ubud, Overdevelopment, Rivers

☆ I became the breadwinner when my family moved to France. I feel like I've done my husband the biggest favor ever.
▼ + stars: | 2024-10-18 | by ( Elle Hardy | ) www.businessinsider.com time to read: +7 min

Karen Kissane left her job, started a coaching business, and moved her family to France. Had this not happened, my family wouldn't be in France now. I feel like I've done my husband the biggest favor everOur roles swapped when we moved to France. It's great we could make this swap, effectively taking turns, as I did this before when he was a partner in a business working long hours. AdvertisementMoving to France helped my coaching business take offI didn't need a special business visa for France because we moved before Brexit.

Persons: Karen Kissane, Kissane, —, wouldn't, It's, we'd, they'd, they're, I've, we've, Lauryn Haas Organizations: Service, Space, lhaas Locations: France, Northamptonshire, Cognac, French, British

☆ Historic bitcoin theft tied to Connecticut kidnapping, luxury cars, $500K bar bills
▼ + stars: | 2024-10-17 | by ( Dan Mangan | ) www.cnbc.com time to read: +12 min

To date, at least $100 million in bitcoin stolen from the victim remains unaccounted for, prosecutors said in a recent court filing in D.C federal court. Zoom In Icon Arrows pointing outwards United States District Court for the District of ColumbiaThe schemers then duped the man into downloading a program onto his computer to protect his Gemini holdings. "Serrano was eventually able to manipulate the victim into opening files with private keysto over 4,100 Bitcoin," the court filing said. The schemers then used "sophisticated money laundering techniques to hide the proceeds and mask their identities," a court filing alleges. "To date, approximately $70,000,000 has been recovered or frozen on various exchanges," prosecutors wrote in a court filing.

Persons: Jakub Porzycki, —, I've, Steven Castrovinci, Castrovinci, — Malone Lam, Jeandiel Serrano —, Serrano, Paulette Pagan, Lam, Malone Lam, Columbia Lam, Anne Hathaway, Lamborghini, Pagani, Serrano's, Lamborghini Urus, van, Matthew Loucks, Loucks, Rick, Swatting Organizations: NurPhoto, Getty, D.C, Police, Police Department, CNBC, Lamborghini, Danbury Police, Attorney's, District of Columbia, FBI, Gemini, United States, Court, Prosecutors, District, Management, Honda Locations: Washington, cryptocurrency, Connecticut, Danbury , Connecticut, Danbury, Florida, U.S, Los Angeles, Singapore, L.A, Miami, United States, Encino , California, Maldives, Columbia

☆ My husband and I share phone and social media passwords. It makes me feel secure in our relationship.
▼ + stars: | 2024-10-17 | by ( Cailey Griffin | ) www.businessinsider.com time to read: +5 min

Cynthia Loya, 28, can access her husband's phone and social media accounts. Cynthia's husband, Jorge Loya, 27, shared his phone and social media account passwords with Cynthia while they were dating. AdvertisementHe gave me his passwords 3 months into datingAbout three months into dating, he randomly texted me his phone and social media passwords. Before meeting my husband, I caught my previous partner talking and flirting with other women on social media. I wanted to make sure he wasn't talking to or flirting with other people on social media like my last partner.

Persons: Cynthia Loya, Jorge Loya, Cynthia, —, Jorge, we're, I've Organizations: Service, Facebook

☆ I moved across the world to live with my son and daughter-in-law. It was a sacrifice, but I wanted to help with childcare.
▼ + stars: | 2024-10-15 | by ( Jane Ridley | ) www.businessinsider.com time to read: +4 min

Nan Ray moved from India to live with her son and his wife in America when her granddaughter was 2. It was a sacrifice, but it helped her son and daughter-in-law achieve career success. My granddaughter was a toddler when my husband and I moved permanently from India to the US. In India, it's relatively common for generations to live together, and everybody does their bit to help out. It never occurred to us or my son and daughter-in-law to pay us even the smallest amount for childcare.

Persons: Nan Ray, —, They'd, hadn't, he's, we'd, I've Organizations: Service, India, Business Locations: India, America, Minnesota, I'm, Delhi

☆ Health care fraudster Philip Esformes is latest Trump clemency recipient to be arrested
▼ + stars: | 2024-10-15 | by ( Dan Mangan | ) www.cnbc.com time to read: +2 min

Philip Esformes, whose 20-year prison sentence for a massive, $1.3 billion Medicare fraud scheme was commuted in 2020 by then-President Donald Trump, was arrested over the weekend in Florida on domestic-violence related charges. Esformes is at least the seventh person who received executive clemency from Trump, and has since been charged with new crimes, according to The New York Times, which first reported this latest arrest. Court records show that Esformes was arrested Saturday and then charged with tampering with a victim or witness, and with criminal mischief involving property damage. CNBC also has requested comment from a lawyer for Esformes' ex-wife, Sherri Beth Esformes, whose divorce from him was finalized in July 2020. On Tuesday, a judge in Miami federal court set a deadline of Nov. 4 for Philip Esformes to respond to his ex-wife's filing.

Persons: Philip Esformes, Donald Trump, Esformes, Trump, Jonathan Braun, Sherri Beth Esformes, Sherri Beth Organizations: The New York Times, Miami, CNBC, Department of Justice Locations: Florida, York, Dade County, Miami

☆ I'm a former therapist and coming to terms with my alcoholism helped me recover. Here's how I got sober.
▼ + stars: | 2024-10-14 | by ( Cornelia Maude Spelman | ) www.businessinsider.com time to read: +9 min

download the app Email address Sign up By clicking “Sign Up”, you accept our Terms of Service and Privacy Policy . An alcoholic, I thought, if I thought about it at all, was a man lying drunk in the street. I could see myself in everything I read about alcoholism, and I could see the road ahead if I did not stop drinking. AdvertisementI loved that meeting, and I thought I would go home and have a drink and think about it. Being sober has been the key to every day of every year since that first momentous AA meeting.

Persons: Cornelia Maude Spelman, —, I'd, Mother, she'd, hadn't, Cornelia Organizations: Service, Anonymous, AA Locations: Manhattan, New Hampshire, Vermont

☆ Being a stay-at-home mom was suffocating at times, so I sent my kids to day care
▼ + stars: | 2024-10-10 | by ( Lauren Crosmedlicott | ) www.businessinsider.com time to read: +5 min

After five years as a stay-at-home mom, she has put her 5- and 3-year-old in day care full time. My plan was to put him in day care after I took maternity leave. AdvertisementFive years after the birth of my oldest, I have just sent my two kids to their first day of full-time day care. AdvertisementNow that they've been in day care for a few weeks, I feel human again. I would have been keener to continue working if it hadn't been so expensive to put my kids in day care.

Persons: Kelsey Combe, —, I've, I'd, they've, I'm, keener Organizations: Service Locations: Naperville , Illinois, New York, California, Illinois

☆ Subsidies help a 55-year-old pay $96 a month for health insurance. Her costs could increase 186% if they expire next year.
▼ + stars: | 2024-10-09 | by ( John Towfighi | ) www.businessinsider.com time to read: +6 min

Lisa Jolly pays less for her health insurance thanks to enhanced premium tax credits. The subsidies could expire next year, increasing the costs of health insurance for millions. "When I combine rising grocery costs with rising insurance costs, it just becomes almost unbearable." The subsidies expiration could pose difficulties for millions of AmericansThe results of the November election could determine the fate of the enhanced subsidies. The Congressional Budget Office estimates that 3.8 million people could become uninsured if the enhanced subsidies expire, according to Reuters.

Persons: Lisa Jolly, —, Jolly, she's, Jessica, I'm, Jeanne Shaheen, Tammy Baldwin, Lauren Underwood, Cynthia Cox, Cox Organizations: Service, Business, Center, Budget, Jolly, Democratic, Senate, Republican, Congressional Budget Office, KFF, Congressional, Reuters Locations: Steubenville , Ohio, Pittsburgh, Washington

I'm still a big fan of taking out life insurance, so I suggested a cheap life insurance plan I found from Corebridge Direct. To help settle our argument, I asked certified financial planner Ryan Nelson if buying cheap life insurance is worthwhile or if it's better to invest that money elsewhere. Those who achieved financial independence might not need a cheap life insurance planI asked Nelson if there was anyone who would be better off skipping out on paying for a cheap life insurance plan. In these circumstances, I'd strongly recommend they connect with an advisor that does not sell life insurance," Nelson said. That means that a cheap life insurance plan is better than not having one at all.

Persons: Ryan Nelson, —, We've, I'm, Nelson, it's, I'd Organizations: Service, Corebridge

☆ My ex-husband's wife is as much of a mother to my son as I am. She's one of my closest friends.
▼ + stars: | 2024-10-08 | by ( Jennifer Cannon | ) www.businessinsider.com time to read: +5 min

My ex-husband's wife raised our son with us; she is as much his mother as I am. AdvertisementIf someone had told me 35 years ago that my ex-husband's wife and I would be besties today I might've rolled on the floor laughing. Kathy entered the picture a short while later and became an instant mom to our then 4-year-old son, Bryant when she married my ex. I know I made Kathy angry, not to mention the disappointment Bryant felt when I would flake on my scheduled weekends. AdvertisementToday, Kathy is not only one of my closest friends but also a confidant and someone I'm forever grateful for.

Persons: —, we've, it's, I'd, Kathy, Bryant, we'd, Nonna, I'm Organizations: Service, Subaru, of Locations: California, South California, of California, Florida, New Jersey

☆ Being a mom of 2 with almost no income during my divorce was terrifying. These are the steps I took to rebuild my finances.
▼ + stars: | 2024-10-07 | by ( Kelly Burch | ) www.businessinsider.com time to read: +5 min

She knew she wanted a divorce but was scared to make the leap because of her finances. Over 12 years of marriage, my ex and I grew apart until I knew we had reached the divorce cliché: irreconcilable differences. Doing something unconventional felt uncomfortable, but I realized I'd have to get uncomfortable to make my new life work. I did freelance writing and created a paid Substack newsletter about divorce that generated a few hundred dollars each month. I'm ending spousal support earlyReceiving spousal support has become contentious as my life moves forward after divorce.

Persons: Jolie Steele, —, I've Organizations: Service Locations: Target

☆ Melania Trump stays pro-choice on abortion, despite Republican nominee's 'different beliefs'
▼ + stars: | 2024-10-06 | by ( Rebecca Picciotto | ) www.cnbc.com time to read: +2 min

Outgoing First Lady Melania Trump listens as her husband Outgoing US President Donald Trump addresses guests at Joint Base Andrews in Maryland on January 20, 2021. Melania Trump stood firm on her pro-choice abortion position on Sunday, despite acknowledging the divergence from the Republican campaign platform of her husband, former President Donald Trump. Melania Trump officially went public with her pro-choice stance on Thursday in a promotional video to preview her upcoming book, "Melania." The book is set to release on Tuesday and expected to detail her abortion views further. The Trump campaign did not immediately respond to CNBC's request for comment about Melania Trump's abortion stance.

Persons: Lady Melania Trump, Donald Trump, Melania Trump, husband's, Roe, Wade, Trump, Kamala Harris Organizations: Joint Base Andrews, Republican, Fox News Locations: Maryland

☆ My husband and I just took our first kid-free vacation. It helped me realize how much he's changed since becoming a father.
▼ + stars: | 2024-10-06 | by ( Katrina Donham | ) www.businessinsider.com time to read: +6 min

My husband and I just went on our first vacation without our kids. We left them with my mother-in-law and headed to NYC, where we used to live. download the app Email address Sign up By clicking “Sign Up”, you accept our Terms of Service and Privacy Policy . AdvertisementKatrina Donham and her husband left their two daughters with her mother-in-law to go on a trip. And, though I miss the "old us," I'm enjoying the "present us" — and looking forward to the "future us," too.

Persons: what's, —, we're, Nina Chanel Abney, Katrina Donham, Donham, divulging, matrescence, Dada, welling, I'm Organizations: Service Locations: NYC, Hudson Yards, New York, Washington, Meatpacking, New York City

☆ A major curveball in retirement preparedness: divorce
▼ + stars: | 2024-10-05 | by ( Allie Kelly | Juliana Kaplan | ) www.businessinsider.com time to read: +10 min

Monthly Social Security checks aren't enough for most baby boomers to get by, further fueling a retirement crisis. A prenuptial agreement can be helpful, but it typically doesn't protect wealth built after the couple ties the knot, like retirement savings. Men's monthly retirement incomes are nearly $600 more than women's — $2,610 to $2,042 — and they're more likely to have a balance in a retirement account. Overall, divorced women like Clark see lower monthly retirement incomes than their male counterparts — and peers who have remarried. One of Mintzer's greatest divorce regrets is that she didn't safeguard her retirement savings.

Persons: —, Libby Mintzer, Mintzer, she's, Melody Evans, Evans, Roth, couldn't, didn't, Kathryn Clark, Clark, Clark didn't, Clark's, it's Organizations: Service, Social Security, Social, Gerontology, —, Roth IRA, SNAP, allisonkelly Locations: Florida, Tampa, California's Bay

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