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☆ Entertainment honorees: presenting the 100 People Transforming Business 2022
▼ + stars: | 2022-11-16 | by ( Business Insider | ) www.businessinsider.com time to read: +1 min

Eddy Cue, Senior Vice President of Services, AppleGettySince joining the tech giant Apple in 1989, Cue has helped change how the world listens to music and watches movies and TV. Consumers interact with Cue's gargantuan Services unit all day long, from its maps to Apple Pay to photo storage. Services drew $78 billion in revenue in the company's fiscal year 2022 (through September 24) and has accumulated more than 900 million paying subscribers around the globe. As the revolutionary iPod came to market, Cue helped tee up iTunes. Now in 2022, Cue has overseen growth in new banking products, presided over streamer Apple TV+ — which scored the first best picture Oscar for a streamer this year with "CODA" — and, crucially, driven the company's entry into sports.

☆ Cisco deserves more love from investors as management lifts its full-year guidance
▼ + stars: | 2022-11-16 | by ( Jeff Marks | ) www.cnbc.com time to read: +9 min

Management also increased its earnings outlook for the full year, raising its range to $3.51 to $3.58 from $3.49 to $3.56. For the second quarter of fiscal 2023, management expects revenue to grow 4.5% to 6.5% year over year. Companywide results Total product revenue increased 8% year over year to $10.245 billion, beating estimates of $9.88 billion. End-to-end security (cybersecurity) revenue increased 9% year over year to $971 million, missing estimates of $1.014 billion. Total software revenue grew 5% year over year to $3.9 billion, with software subscription revenue up 11%, and 85% of software revenue subscription based.

☆ The UK economy is sliding into recession and Europe is set to follow
▼ + stars: | 2022-11-11 | by ( Hanna Ziady | ) edition.cnn.com time to read: +4 min

London CNN Business —The UK economy shrank in the third quarter, signaling the start of a recession that is likely to hit Europe next. UK GDP fell 0.2% between July and September, ending five consecutive quarters of growth, the Office for National Statistics said on Friday. Recession stalks EuropeThe Bank of England warned last week that the UK economy could experience its longest recession since the 1940s. The European Commission warned Friday that high inflation and rising interest rates are likely to tip the euro zone into recession in the fourth quarter. Still, the Commission expects GDP growth in the euro area to remain positive next year and in 2024.

☆ October CPI expected to show inflation still ran hot even as some goods prices cooled
▼ + stars: | 2022-11-09 | by ( Patti Domm | In | ) www.cnbc.com time to read: +4 min

Excluding food and energy, core CPI is expected to have risen by 0.5%, or 6.5% on an annual basis. Consumer inflation may have come down slightly in October as goods prices declined, but prices for services and rents are expected to continue to climb. Simons expects core CPI rose 0.4% and that, within that, goods prices declined 0.2% while services rose 0.6% . The CPI report is widely expected to show that used car prices are falling, but rents and shelter continued to rise. "Some of it is coming from goods prices because there's a slowing in demand as we've seen in consumer spending recently," she said.

☆ Heavy stock-market volatility should run into 2023 as investors gauge whether the economy will have a soft or hard landing, says UBS
▼ + stars: | 2022-11-08 | by ( Carla Mozée | ) www.businessinsider.com time to read: +4 min

Investors should expect further volatility in the S&P 500 in 2023 as investors update their economic outcome probabilities, UBS Global Wealth Management said Tuesday. "Fatter" tail risks for the market would stem from divergences in activity between the goods and services sectors of the economy and the Federal Reserve's path of rate hikes. "A soft landing that could materialize in the absence of too much tightening becomes slightly more plausible," Draho said. Meanwhile, the divergence in activity between the goods and services sectors in the slowing US economy adds to the risk of tail outcomes, UBS said. "Investors shouldn't position their portfolios for either of these tail scenarios, but higher probabilities for both do have market implications," said Draho.

☆ U.S. service sector slows in October; price pressures build up - ISM survey
▼ + stars: | 2022-11-03 | by ( ) www.reuters.com time to read: +2 min

A reading above 50 indicates expansion in the services sector, which accounts for more than two-thirds of U.S. economic activity. The ISM's measure of new orders received by services businesses fell to 56.5 from 60.6 in September. The ISM survey's measure of services industry supplier deliveries increased to 56.2 last month from 53.9 in September. Its services industry employment gauge dropped to 49.1 from 53.0 in September. Services businesses in the ISM survey in September reported hiring remained a challenge and qualified workers were scarce.

☆ U.S. Q3 GDP overshot IMF forecasts, but growth volatile -official
▼ + stars: | 2022-11-02 | by ( David Lawder | ) www.reuters.com time to read: +3 min

The IMF in its Oct. 11 World Economic Outlook had cut its U.S. growth forecast by 0.7 percentage point, based on the weak Q2 output earlier in the year. Along with other factors, such as rising food and energy costs prompted by Russia's war in Ukraine and tighter monetary policy, the U.S. reduction offset upside surprises in Europe, leaving the IMF's 2022 global growth forecast unchanged at 3.2%. Going forward into next year, the U.S. is slowing and that's never good for the global economy," Chalk said. "In addition to slowing, it's shifting away from goods, and that's sort of exacerbating that effect on the global economy." The IMF has forecast that U.S. growth will decline further to 1.0% in 2023, with global growth falling to 2.7% next year.

☆ 'Safe port in the storm:' Why investors rewarded Apple but fled its Big Tech peers after earnings
▼ + stars: | 2022-10-28 | by ( Kif Leswing | ) www.cnbc.com time to read: +5 min

Apple's earnings received a drastically different reaction from investors than its Big Tech peers Amazon, Google, Microsoft and Facebook. Shares of Apple were up about 7% Friday morning, the day after Apple reported earnings that showed 8% annual sales growth and despite misses on estimates for iPhone and services revenue. Apple looks like a "relatively safe port in the storm," as a note Friday from Credit Suisse analyst Shannon Cross says. Sacconaghi said some of Apple's Big Tech peers also seemed to have issues controlling costs, whereas Apple remains fairly lean and profitable. "Overall, our viewpoint remains consistent that Apple remains recession resilient given its products, services and wearables businesses," wrote Piper Sandler's Harsh Kumar.

☆ The Fed could lay the groundwork for a year end rally in the week ahead
▼ + stars: | 2022-10-28 | by ( Patti Domm | In | ) www.cnbc.com time to read: +8 min

The coming week is also the busiest of the corporate earnings season, with about a third of the S & P 500 companies releasing results. "Historically, the market waits for the last Fed rate hike to be introduced and then the market climbs higher. The S & P 500 was up more than 8.8% for the month. The Dow was up 5.7% on the week, the S & P 500 was up 5.7% and the Nasdaq was up 2.2%. The 50-day moving average is 3,841 for the S & P 500, and it was well above it Friday afternoon for the second time in the past week.

☆ Apple defies the Big Tech meltdown and remains the stock to own, not trade
▼ + stars: | 2022-10-27 | by ( Jim Cramer | ) www.cnbc.com time to read: +14 min

Revenue rose 8% year-over-year to $90.1 billion, exceeding expectations of $88.9 billion and marking a September quarter record. Despite growing fears of a recession and a strong U.S. dollar that dents international sales, Apple sales posted a September quarter record for the Americas, Europe, Greater China and the rest of Asia-Pacific. Companywide results Operating cash flow of $24.13 billion was in line with expectations of $24.24 billion and marked a September quarter record. Revenue rose 8% year-over-year to $90.1 billion, exceeding expectations of $88.9 billion and marking a September quarter record. Despite growing fears of a recession and a strong U.S. dollar that dents international sales, Apple sales posted a September quarter record for the Americas, Europe, Greater China and the rest of Asia-Pacific.

☆ Maven Clinic, women and family-focused health startup, is booming in the post-Roe v. Wade world
▼ + stars: | 2022-10-26 | by ( Barbara Collins | ) www.cnbc.com time to read: +4 min

Maven Clinic, a virtual women and family clinic, is allowing companies to offer their employees an extensive online network of fertility, pregnancy, adoption, parenting and pediatrics services. Ryder's goal for Maven is to put women first when it comes to their health care, filling any gaps they may experience. Maven Clinic was ranked No. Ryder said Maven Clinic was anticipating the overturning of Roe v. Wade after SB-8 in Texas in 2021, which banned virtually all abortions and health care relating to abortions after six weeks. "All the major medical associations have come out … saying this is a health access issue, a health-care issue," Ryder said.

☆ U.S. business activity weakens again in October -S&P Global survey
▼ + stars: | 2022-10-24 | by ( ) www.reuters.com time to read: +3 min

S&P Global said on Monday its flash U.S. Composite PMI Output Index, which tracks the manufacturing and services sectors, fell to 47.3 this month from a final reading of 49.5 in September. "The decline was led by a downward lurch in services activity, fueled by the rising cost of living and tightening financial conditions." But the S&P Global survey may exaggerate the slowdown. The survey's flash manufacturing PMI fell to 49.9 this month, its first contractionary reading since June 2020, from 52.0 in September. The survey's flash services sector PMI fell to 46.6 from 49.3 in September.

☆ An often-overlooked economic measure is signaling serious trouble ahead
▼ + stars: | 2022-10-20 | by ( Jeff Cox | ) www.cnbc.com time to read: +5 min

However, Fed officials are stressing that they're far from finished when it comes to raising rates. "When this basket is signaling the weakness that it's showing, what the Fed typically does is not raise rates. But in this case, it's not only raising rates aggressively, but with a commitment to continue raising rates aggressively." In addition to the typical headline metrics such as the consumer price index and the Fed's preferred personal consumption expenditures price index, the Cleveland Fed's "sticky price" CPI rose 8.5% on an annualized basis in September, up from 7.7% in August. The measure looks at items such as rent, the price of food away from home and recreation costs.

NBA regular season games are broadcast by ESPN, TNT, ABC, NBA TV, and local affiliate stations. Throughout the regular season, nationally televised NBA games are spread across TNT, ESPN, ABC, and NBA TV. Key dates for the 2022-23 NBA seasonThe 2022-23 NBA regular season begins on October 18 and runs through April 9, 2023. If you're interested in following additional games, you can subscribe to NBA League Pass to stream out-of-market regular season games from the entire league. For $20 a month or $130 a year, you can step up to NBA League Pass Premium.

☆ Consumer inflation expected to have run hot in September, boosted by rent
▼ + stars: | 2022-10-12 | by ( Patti Domm | In | ) www.cnbc.com time to read: +3 min

Stoked by rising rent costs, consumer inflation is expected to have remained hot in September but slightly lower than August's pace. Economists expect the consumer price index rose 0.3% in September, up from 0.1% in August, according to Dow Jones. "The core inflation is going to be higher so it's still an inflation that hasn't peaked yet in many ways. Economists expect that services inflation continued to run hot in September, due to rising wages and labor shortages. "We expect shelter inflation to slow to a 0.4-0.5% monthly pace by year-end and peak at around 7% year-over-year early next year."

☆ How to Improve Your Credit Score, According to Experts
▼ + stars: | 2022-10-12 | by ( ) www.wsj.com time to read: +10 min

That’s why we asked three credit experts what they think of common credit score tips—and how you can really make the most of them. In the scenario above, if you doubled your credit limit—or got an additional credit card with the same credit limit—your credit utilization would go down to 5%. What experts say: Experts agree that getting more available credit can indeed help your credit utilization and credit scores. You might see positive changes to your credit as soon as your new credit limit makes it to your credit report. Some of the easiest options include becoming an authorized user on a family member’s credit card or applying for a secured credit card, which involves depositing money with the credit card issuer.

☆ U.S. business activity remains subdued in September, S&P Global survey shows
▼ + stars: | 2022-09-23 | by ( ) www.reuters.com time to read: +3 min

REUTERS/Mike BlakeWASHINGTON, Sept 23 (Reuters) - U.S. business activity contracted for a third straight month in September, though the pace of decline slowed while improving global supply chains eased inflation pressures for companies. Register now for FREE unlimited access to Reuters.com RegisterThe S&P Global survey, however, likely exaggerates the slowdown in economic activity. The survey's flash manufacturing PMI nudged up to 51.8 this month from 51.5 in August. With input price increases slowing, average operating expenses for manufacturers rose this month at the slowest pace since November 2020. The survey's flash services sector PMI rose to 49.2 from 43.7 in August.

☆ Fed meeting ahead will decide whether stocks can stabilize or fall back to bear market lows
▼ + stars: | 2022-09-16 | by ( Patti Domm | In | ) www.cnbc.com time to read: +6 min

FedEx rattled the market after it withdrew its full year earnings guidance Thursday, warning about global softness in its delivery business. After the CPI, markets shifted to price in an even more aggressive Fed rate hiking path. Fed ahead In the week ahead, there are just a few data releases, but they will provide an important window into how the housing market has been coping with the Fed's rate hiking cycle. "Good economic data has been bad for the market, but we haven't seen bad economic data be good for markets. After the CPI release, the futures market for fed funds priced a big jump higher in the terminal rate, or end point where the Fed stops hiking.

Today, there are 56 Hispanic American banks and credit unions that are FDIC or NCUA insured around the US. We selected Hispanic American-owned credit unions from the National Credit Union Administration's list of minority depository institutions which was also updated on June 30, 2022. In our list of Hispanic American-owned banks and credit unions, many of the institutions listed offer customer support in Spanish and English. You can open up savings accounts, checking accounts, CDs, and money market accounts in most of the institutions listed. To help you learn more about a specific Hispanic American-owned bank or credit union, we've included links to reviews of individual institutions.

☆ I moved my family from California to Austin, Texas, and regretted it. Here are 10 things to consider before making an expensive mistake.
▼ + stars: | 2021-01-20 | by ( Brett Alder | ) www.businessinsider.com time to read: +21 min

Brett Alder moved to Austin, Texas, for work and regrets the choice. A lot of people, including myself, move from California to Austin because of the hype and the perception that California and Austin are reasonably comparable in lifestyle. Water: Water is also shockingly expensive. Expensive pool maintenance, expensive landscaping services, expensive home repairs, expensive dining and movies. Expensive pool maintenance, expensive landscaping services, expensive home repairs, expensive dining and movies.

Persons: Brett Alder, Alder, Austin, Austin it's, you've, We've, I've, It's, We're, Yelp, Matthew McConaughey, Travis, There's, …, Monoculture, California we've, Uber, I'd, Austinites Organizations: Energy, Soaring Sierra, Yosemite, Texans Locations: Austin , Texas, California, Austin, Texas, San Diego, Travis County, Lake, Jose, San Jose, Portland , Oregon, Nevada, Utah, West Coast, West, Montana, Tennessee, crosswalks, Belterra, Bay, San Jose , CA

☆ Request for Proposals ATIC Strategic Plan Development
▼ + stars: | 2021-01-19 | by ( Alte Articole | ) www.civic.md time to read: +51 min

ATIC will actively promote the interests of the members, by helping delivering the benefits of the ICT sector, while meeting the legitimate concerns of the members. ATIC reserves the right to make revisions to the content, order, and numbering of the provisions in the actual subcontract document prior to execution by ATIC and the selected awardee. ATIC will assess the best operations models to reach the above stated results for the sector and for its members. Development of implementation recommendations This stage includes the development of recommendations regarding the implementation phase of the plan. Meeting topics will align with information and data collected and may include:Organizational Overview ‐ Assessment of the strengths, weaknesses, and competencies of the organization.

Persons: Marina Bzovii, ATIC, Tekwill, Offerors, deliverables, ATIC —, —, activitiy Organizations: National Association of ICT, National Association of ICT Companies, OF, Organization, Umbrella Organization, ICT, Moldovan ICT, Association, THE ASSOCIATION Moldovan Association of ICT Companies, Vocational ICT, Austrian Development Cooperation, Moldova ICT Summit, USAID, Robotics, Smart, United States Agency for International Development, Government, International Development Agency, Moldova ICT, ATIC, Technical University of Moldova, Center, Moldovan, Women, Tech, UN, Microsoft, Office National Association of ICT Companies, Bank, Swift, United, United States Government, Intellectual, “, Consultancy, Ministry, Economy, Infrastructure, Ministry of ICT, Moldova ICT Industry Competitiveness, Moldova IT Industry Competitiveness, Innovation, IT Industry, “ National Association of ICT Companies, Eg . Telecom, Software, Business Networking Development, Human Capital, ‐, Telecom, Services Locations: MOLDOVA, Moldova, Republic of Moldova, Moldovan, Sweden, Sida, Chisinau, MDL, ATIC, United States

If you don't have a good credit score, you may want to get a secured credit card. Services like Credit Karma and Credit Sesame both let you get a peek at your credit score for free, then watch it for changes as you make moves to improve your credit score over time. Some credit cards, including many Discover credit cards, give you a free FICO credit score on your credit card statement each month. Consider a secured credit cardIf you're worried about being approved for a credit card right now because your credit score isn't in the best shape, you can also consider a secured credit card. Once you use a secured credit card and make on-time monthly payments for a stretch of time, you can close your secured credit card account, get your deposit back, and move up to a new credit card with better perks and rewards.

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