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☆ Opinion: Biden and Trump’s presidential debate performance rated by champion debate coach
▼ + stars: | 2024-06-28 | by ( Opinion Todd Graham | ) edition.cnn.com time to read: +8 min

In the first 2024 presidential debate in Atlanta on Thursday night, the performances of President Joe Biden and former President Donald Trump failed to live up to that expectation. Former President Donald Trump's presentation fared better than his substance, says champion debate coach, Graham Todd. In that regard, Trump failed. I don’t know more about Trump’s position and solution to the war in Gaza than I did before the debate. And Biden didn’t help himself out by overextending his answers to the point of confusion.

Persons: Todd Graham, he’s, I’m, Joe Biden, Donald Trump, Donald Trump's, Graham Todd, Will Lanzoni, Trump, “, didn’t, Biden “ Brandon, Biden, “ Let’s, ” Trump, Graham, Austin Steele, CNN BIDEN, I’ve, Todd Graham Both Trump, Biden rambled, Gish, Biden didn’t, overextending, trillionaires Organizations: Southern Illinois University, CNN, CNN TRUMP, Trump, Paris Climate, Putin Locations: Atlanta, Gaza, Afghanistan, America, Paris, Paris Climate Accords

☆ Top 5 regrets people have when they die, says ex-hospice care worker—many don’t realize them ‘until the end’
▼ + stars: | 2024-06-07 | by ( Ashton Jackson | ) www.cnbc.com time to read: +4 min

"When I was your age, I didn't believe in vacations. I didn't believe in weekends. I didn't believe the people I worked with should either," said Gates, adding that he didn't realize "there's more to life than work" until he became a dad. Choose consciously, choose wisely, choose honestly. Choose happiness."

Persons: they'd, oncologist Siddhartha Mukherjee, Bronnie Ware, Ware, Chris Evans, I'd, hadn't, you've, Bill Gates, it's Organizations: University of Pennsylvania, British, Billionaire Microsoft, Northern Arizona University, CNBC Locations: Ware

☆ This U.S. company tested a 4-day workweek—and says it made workers happier and more productive
▼ + stars: | 2024-04-05 | by ( Morgan Smith | ) www.cnbc.com time to read: +4 min

A four-day workweek could be the antidote to employee burnout. The biggest benefits of a four-day workweek: Happier, more productive employeesExos reports that six months after introducing a four-day workweek, business performance and productivity remained high, revenue increased and turnover dropped. But the biggest benefit of embracing a four-day workweek has been the increased efficiency, says Hill. Roughly 85% of Exos' employees work in-person, while the remaining 15% are hybrid or remote. How the four-day workweek is gaining momentum

Persons: Greg Hill, There's, Adam Grant, Marissa Shandell —, Exos, Hill Organizations: Fortune, Adobe, Humana, CNBC, Wharton School, Business Locations: U.S

☆ I got a $40K raise using this 30-second strategy. It made me realize loud work, not hard work, always wins.
▼ + stars: | 2024-03-26 | by ( Avni Barman | ) www.businessinsider.com time to read: +8 min

She explains the 'lazy girl strategy' that got her a $40,000 raise. It wasn't because I was the hardest worker or an exceptional employee, but because I employed what some call the "lazy girl strategy." This "lazy girl strategy" is really just about being proactive about sharing my work successes in an efficient way. AdvertisementThe "lazy girl strategy" isn't actually lazy or just for womenHow you package and present your work to leadership when seeking a promotion is as important as the work itself, and the "lazy girl strategy" can help you efficiently do so. But in the meantime, the "lazy girl strategy" helped me get a $40,000 raise, and perhaps it could help you too.

Persons: Avni Barman, Barman, —, Avni Barman I've, it's Organizations: Service Locations: Atlassian

☆ Americans’ debt levels — and delinquencies — are on the rise
▼ + stars: | 2023-11-07 | by ( Alicia Wallace | ) edition.cnn.com time to read: +2 min

The increases in credit card delinquency were the sharpest among borrowers in the range of 30 to 39 years old, according to the New York Fed. Newly delinquent auto loan balances continued to climb, as well, with transitions into serious delinquencies hitting 13-year highs, survey data showed. Still, thanks mostly to higher-quality mortgage loans, overall delinquencies remain below pre-pandemic levels, New York Fed researchers said. Credit card balances, which in the second quarter surpassed the trillion-dollar mark for the first time, continued to grow at historic rates. This year is on pace to have the lowest origination values since 2014, New York Fed data shows.

Persons: ”, Donghoon Lee, “, Mortgage originations Organizations: Minneapolis CNN, Federal Reserve Bank of New, New York Fed, ” New York Fed, Mortgage Locations: Minneapolis, New, New York

Your debt-to-income ratio is the percentage of your monthly income that goes toward debt payments. Besides looking at your credit score, payment history, assets, and cash flow, they also consider your debt-to-income ratio. Debt-to-income ratio (DTI) is the percentage of your monthly gross income that goes toward paying existing debts. You can have a DTI ratio as high as 43% and still get approved for a mortgage, though Rose says lenders would ideally like to see a total DTI ratio of 36% or less with 28% going toward housing expenses (front-end DTI). Debt-to-income ratio frequently asked questionsIs 50% a good debt-to-income ratio?

Persons: Scott Bridges, Rose, Jeff Rose

☆ I'm a personal finance expert. These are the most common mistakes car buyers make.
▼ + stars: | 2023-08-30 | by ( Alexa St. John | ) www.businessinsider.com time to read: +6 min

Stefanie O'Connell Rodriguez is personal finance expert with some tips for car buyers. I don't think we're in a pre-COVID market yet, but the data shows us it is getting a little bit better slowly. Car buyers should factor maintenance into their total cost of vehicle ownership. Reuters/Umit BektasThere are unexpected expenses with car ownership — but there's also a lot you can predictThat's especially true if you're doing your research in advance. If you're going to be financing, think about doing your due diligence even further of comparing the cost of ownership of different vehicles.

Persons: Stefanie O'Connell Rodriguez, Here's O'Connell, O'Connell Rodriguez, Kelly, there's, Joshua Lott, Mario Tama Organizations: Morning, Bloomberg, Newsweek, USA, Dealers, Reuters Locations: New York

☆ Morningstar: These 10 dividend stocks have increased their payouts every year for the past 5 years and look cheap right now
▼ + stars: | 2023-08-13 | by ( Mark Reeth | ) www.businessinsider.com time to read: +3 min

Growth stocks have soared higher this year on the back of artificial intelligence hype. Most dividend stocks have been left in the dust, but that means they're cheap right now. But dividend stocks, their lower-growth, less exciting counterparts, have been left in the dust. But just because dividend stocks are lagging behind the market today doesn't mean they're bad investments. 10 cheap investments with growing dividendsLate last week, Morningstar put together a list of 10 stocks pulled from its US Dividend Growth Index, which "tracks US-based securities with a history of uninterrupted dividend growth."

Persons: Morningstar, Susan Dziubinski Organizations: Nvidia, Microsoft, Morningstar

Compare Sapphire Preferred and Ink Business Preferred Chase Sapphire Preferred® CardInk Business Preferred® Credit Card Chevron icon It indicates an expandable section or menu, or sometimes previous / next navigation options. Here's a detailed look at the biggest differences between the Chase Sapphire Preferred® Card and the Ink Business Preferred® Credit Card. The other major difference is that the Ink Business Preferred® Credit Card offers cell phone protection against theft or damage. Chase Sapphire Preferred Compared to Ink Business PreferredThough similar — each charges a $95 annual fee that is not waived the first year — the Sapphire Preferred and Ink Business Preferred® Credit Card have different welcome bonus requirements and bonus spending categories. If you're thinking of getting both cards, apply for the Ink Business Preferred® Credit Card first.

Persons: Chase, We're, Chase Sapphire, Eric Rosen Eric Rosen, you'll, Condé Organizations: Chase, Sapphire, Chevron, Target, Walmart, Reading Chevron, Chase Sapphire, Travel Shipping, Ink, Apple, Lingus AerClub Air Canada Aeroplan Air France, KLM Flying Blue British Airways Executive Club Emirates, JetBlue, Singapore Airlines, Southwest Airlines Rapid, United, Virgin Atlantic Flying, Hyatt Travel, Card, Business, Chase Travel, National Geographic, Bloomberg Locations: Iberia, Los Angeles, Australia, Kenya, Laos

☆ How much an OnlyFans creator with 34,000 subscribers earns per month and how she uses safe-for-work content to grow her income and audience
▼ + stars: | 2023-05-09 | by ( Nhari Djan | ) www.businessinsider.com time to read: +7 min

OnlyFans creators often make non-adult content to promote on mainstream social-media platforms. She shares how much she earns on OnlyFans and her top tips for making safe-for-work content. Adult-content creators who were working before the rise of OnlyFans will tell you promoting safe-for-work content on social media has long been key to building a following. Adult and mainstream content trends mirror each otherLike ASMR, many trends that impact mainstream creators also affect those who create adult content. Michaels is seeing a resurgence of livestreaming among adult creators, now, as platforms like TikTok and YouTube test live shopping with more mainstream creators.

☆ How much an OnlyFans creator with an audience of 34,000 earns per month and how she uses safe-for-work content to grow her income and reach
▼ + stars: | 2023-05-09 | by ( Nhari Djan | ) www.businessinsider.com time to read: +7 min

OnlyFans creators often make non-adult content to promote on mainstream social-media platforms. Her OnlyFans audience is around 34,000 fans and followers across pages, including one free and one VIP. Michaels shared her top advice with Insider on how OnlyFans creators can use safe-for-work content to expand their reach without overextending themselves:1. Adult and mainstream content trends mirror each otherLike ASMR, many trends that impact mainstream creators also affect those who create adult content. Michaels is seeing a resurgence of livestreaming among adult creators, now, as platforms like TikTok and YouTube test live shopping with more mainstream creators.

☆ A Manhattan-based real estate investor who couldn't afford to buy in NYC breaks down 4 strategies for buying property if you live in a pricey city
▼ + stars: | 2023-05-07 | by ( Kathleen Elkins | ) www.businessinsider.com time to read: +8 min

Julia Lemberskiy realized pretty quickly after moving to New York City that owning a home was out of the question. Manhattan, New York is the most expensive housing market in the US, and Brooklyn and Queens, two of the other five boroughs that make up New York City, both cracked the top 15 priciest markets. She broke down four strategies for buying property if you live in a pricey market. Invest in a nearby, more affordable marketIf you live in a major city like Lemberskiy, starting small might be impossible. When Lemberskiy realized she couldn't afford to own in NYC, she started looking in upstate NY, where she eventually bought her first property.

☆ How much money do you need to buy a home in 2023?
▼ + stars: | 2023-05-04 | by ( Ana Connery | ) edition.cnn.com time to read: +9 min

Whether you’re looking to buy your first home or upgrade the one you already have, homebuyers often wonder how much money they really need to buy a home. And these days, the answer is ever more complicated thanks to the high interest rates and inflation. Refinance it with a balance transfer cardToday’s average homebuyerWe may see interest rates fall once rent comes down. The main culprits that everyone points to are inflation and interest rates, but many experts think interest rates have peaked. Home inventory is still low in some areasDespite high interest rates, you might still see multiple offers on one home.

☆ Netflix expands its product ambitions in a clothing collab that mashes up the Lacoste crocodile with 'Bridgerton,' 'Stranger Things,' and more
▼ + stars: | 2023-04-11 | by ( Lucia Moses | ) www.businessinsider.com time to read: +3 min

Netflix has teamed with Lacoste to create a clothing collaboration inspired by eight of its popular shows, including "Bridgerton," "Stranger Things," and "Lupin." For the pieces, Lacoste reimagined its iconic crocodile logo with elements of the Netflix shows on a collection of polos, caps, sweatshirts, and tracksuits. For "Stranger Things," a sweatshirt features the crocodile with the face of the Demogorgon, the feared creature from Season 1. Lacoste apparel inspired by "Stranger Things." NetflixThe items cost $30 to $210 and will be sold at select Lacoste stores and on Lacoste.com and Netflix.shop.

☆ Companies’ Capital Spending Forecast to Slow in 2023 Amid Recession Fears
▼ + stars: | 2023-01-16 | by ( Kristin Broughton | ) www.wsj.com time to read: +8 min

Companies are expected to tap the brakes on capital investments this year as they assess the risk of a downturn and contend with higher financing costs. Capital spending in 2021 rose by 9% compared with 2020, the first year of the pandemic, EY said. After two years of spending heavily, some companies want to take a pause to digest the investments they’ve made, advisers said. FedEx Corp. last month lowered its capital spending forecast for the current fiscal year by $400 million, to $5.9 billion. The remainder said they don’t finance their capital spending plans through borrowing, or their borrowing isn’t sensitive to changes in interest rates.

The wealth gap remains a harsh reality for women of color, which makes it harder to build wealth. "Decide on what you're going to save and invest on a monthly basis," she says. You might not have been exposed to building wealth, the tenets of investing and paying taxes, and basic financial planning. Don't worry about getting it perfectFor first-generation women of color, it starts with learning more and doing more. You're going to make mistakes and you're going to trip along the way.

☆ Rivian Pauses Talks With Mercedes on Joint Van Factory in Europe
▼ + stars: | 2022-12-12 | by ( Sean Mclain | ) www.wsj.com time to read: 1 min

Electric-vehicle startup Rivian Automotive Inc. said it has paused negotiations with Mercedes-Benz Group over a planned tie-up to produce electric vans in Europe, as part of a wider effort at the SUV and truck maker to conserve cash. In September, both companies said they were starting negotiations on a potential joint venture at a Mercedes plant in Poland, which would have produced commercial vans for both auto makers. At the same time, Rivian executives have been cautious about overextending operations in the wake of tightening capital markets and concerns over the economy.

"Look, bank-fintech partnerships, they're here to stay. OVERWEIGHT CRYPTOOn cryptocurrency, Hsu said he was actually worried policymakers in Congress and regulators are overextending themselves to the detriment of other areas. "It's interesting, it has thorny issues... but relative to other technology and banking issues, I think we're now kind of overweight crypto." "Crypto is just occupying a lot of brain space for an awful lot of people, both on [Capitol] Hill and the regulatory community," he said. "The persistence of the occupation of brain space, it’s starting to worry me now that we’re not spending that time and attention on some other things."

Compare Sapphire Preferred and Ink Business Preferred Chase Sapphire Preferred® CardInk Business Preferred® Credit Card Chevron icon It indicates an expandable section or menu, or sometimes previous / next navigation options. Here's a look at how the two cards compare, and some factors that will help you decide between the Chase Sapphire Preferred® Card and Ink Business Preferred® Credit Card. Chase Sapphire Preferred vs Ink Business Preferred: ComparisonThough similar — each charges a $95 annual fee that is not waived the first year — the Chase Sapphire Preferred® Card and Ink Business Preferred® Credit Card have different sign-up bonus requirements and bonus spending categories. Here's a detailed look at the biggest differences between the Chase Sapphire Preferred® Card and the Ink Business Preferred® Credit Card. The Chase Sapphire Preferred® Card offers one of the most comprehensive collections of travel protections of any rewards credit card.

☆ Best credit cards for excellent credit in 2023
▼ + stars: | 2021-08-05 | by ( Holly Johnson | ) edition.cnn.com time to read: +14 min

Just keep in mind that there are many types of credit scores, and free credit monitoring services may not show you a true FICO credit score, which is the credit score that’s most widely used by lenders. Click here to see the latest list of the best credit cards for people with excellent credit scores. Watch out for these credit pitfallsJust because you can get a lot of great credit cards with excellent credit doesn't mean you should. Maintaining excellent credit with a credit cardTo maintain your excellent credit in 2023, you’ll want to keep doing exactly what you’ve done so far to get your credit score to the level it is now. Learn more about the best credit cards you can get with an excellent credit score.

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