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Read previewThe results are in for Sam Altman's much-anticipated basic income study, one of the largest of its kind. AdvertisementThe debate over basic incomeThe study was inspired by Altman's belief in the importance of a basic income in the age of AI, which some fear could render millions of jobs obsolete. Related storiesThe idea of a universal basic income has been around for awhile, but rose to prominence as the center of Andrew Yang's 2016 presidential campaign. Other significant figures in the tech industry have since voiced support for some kind of basic income, including Twitter cofounder Jack Dorsey and Tesla CEO Elon Musk. Earlier this year, Altman also floated another kind of basic income plan, which he called a "universal basic compute."

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Introduction to Bank of America Preferred RewardsThe Bank of America Preferred Rewards program can be extremely lucrative if you're a Bank of America customer or willing to become one. Bank of America Preferred Rewards Gold tier benefitsTo achieve Gold status in the Bank of America Preferred Rewards program, you'll need a three-month average combined balance of $20,000 to $50,000 in your Bank of America banking and/or Merrill (Bank of America's wealth management division) investment accounts. Card Welcome bonus Review Bank of America® Unlimited Cash Rewards Credit Card $200 online cash rewards bonus after making at least $1,000 in purchases in the first 90 days from account opening Bank of America Unlimited Cash Rewards Card review Bank of America® Customized Cash Rewards Credit Card $200 online cash rewards bonus after making at least $1,000 in purchases in the first 90 days of account opening Bank of America Customized Cash Rewards Card review Bank of America® Travel Rewards credit card 25,000 online bonus points after making at least $1,000 in purchases in the first 90 days of account opening Bank of America Travel Rewards Card review Bank of America® Premium Rewards® credit card 60,000 online bonus points after you make at least $4,000 in purchases in the first 90 days of account opening Bank of America Premium Rewards Card reviewAlso note that you can get some co-branded versions of credit cards above, including options like the Susan G. Komen® Cash Rewards Visa® credit card from Bank of America. How to earn more credit card rewards by joining Bank of America Preferred RewardsAt this point, you're probably wondering how much more you'll earn in rewards by becoming a Bank of America Preferred Rewards member. Bank of America Preferred Rewards program frequently asked questionsHow do I qualify for Bank of America Preferred Rewards?

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Keep reading to see how the Amex Platinum Card and the Amex Business Platinum Card differ, and to decide if either is right for you. Finally, the Amex Platinum Card and the Amex Business Platinum Card come with a Priority Pass membership**. 35% points rebate on the Amex Business PlatinumThis is an incredibly valuable perk that's only available with the Amex Business Platinum Card. Amex Platinum vs. Amex Business Platinum frequently asked questionsWhat are the main differences between the Amex Platinum and Business Platinum cards? The Amex Platinum earns bonus points on travel, while the Business Platinum also offers elevated rewards on certain business expenses.

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☆ A major student-loan company is being sued over claims it mismanaged 8 million borrowers' accounts, blocking them from lower payments and debt relief
▼ + stars: | 2024-07-22 | by ( Ayelet Sheffey | ) www.businessinsider.com time to read: +4 min

You can opt-out at any time by visiting our Preferences page or by clicking "unsubscribe" at the bottom of the email. download the appSign up to get the inside scoop on today’s biggest stories in markets, tech, and business — delivered daily. Read previewA major student-loan company just got hit with a lawsuit over claims it harmed the millions of borrowers it services. The lawsuit claims that MOHELA's mismanagement has harmed the 8 million borrowers it services and requests that a judgment be entered requiring MOHELA to provide relief to harmed borrowers for violating consumer protection law. "Individually, any one of MOHELA's failings would be sufficient to cause financial, mental, and emotional distress," the lawsuit said.

Persons: —, servicer MOHELA, MOHELA, Randi Weingarten, it's, Elizabeth Warren, Chuck Schumer, Bernie Sanders, Warren, Winston Berkman, Breen Organizations: Service, Teachers, Business, Education Department, AFT, Federal, Democratic, we're Locations: American, Sens

You can quickly earn United miles with excellent credit cards like the United℠ Explorer Card. Fly on United Airlines and alliance partnersFlying with the airline is the most obvious way to earn United miles. You can also use United MileagePlus miles on a number of airline partners, or choose to earn United miles when flying with airline partners. United Miles Frequently Asked QuestionsHow can I earn MileagePlus miles without flying? You can earn miles through MileagePlus Dining and MileagePlus Shopping, as well as spending on United co-branded credit cards.

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☆ Warner Bros. Discovery tells NBA it intends to match Amazon's media rights package
▼ + stars: | 2024-07-22 | by ( Alex Sherman | ) www.cnbc.com time to read: +5 min

Warner Bros. Warner Bros. Warner Bros. Warner Bros. Warner Bros.

Persons: David Zaslav, NBCUniversal Organizations: Warner Bros, Discovery, National Basketball Association, Amazon Prime, NBA, Warner Bros . Discovery, TNT, Amazon, Disney, Comcast, CNBC

IntroductionThe Chase Sapphire Reserve® and The Platinum Card® from American Express are two of the best premium travel rewards cards. Here's a guide to help you compare the The Platinum Card® from American Express and Chase Sapphire Reserve® and decide which card is best for you. Apply and select your preferred metal Card design: classic Platinum, Platinum x Kehinde Wiley, or Platinum x Julie Mehretu. Winner: The Platinum Card® from American Express, if you use all of these benefitsConcierge servicesThe Platinum Card® from American Express offers its famous Amex Concierge service for Platinum cardholders. Amex Platinum vs. Chase Sapphire Reserve frequently asked questionsHow do the annual fees for the Amex Platinum and Sapphire Reserve compare?

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Here's what you can expect to spend:It depends: Key factors affecting costHome building costs can vary widely from one buyer to the next. The exact cost you'll pay will depend on:Location and land costsThe location you choose to build in can have a huge impact on your total building costs. While it varies widely, here's the average cost to build a house per square foot (nationally):The cost to build a house, per square footAccording to HomeAdvisor, the average cost of building a new home is $50 to $400 per square foot. The cost to build a house vs. buying depends on your market and the size and type of home you're looking for. If you're wondering how to estimate the cost of building a house off-hand, you can use online cost calculators and estimators.

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Earning Capital One RewardsYou need a Capital One miles-earning credit card in order to earn Capital One miles. Other credit cards offer higher rewards in certain categories of spending Insider’s Take If you want an easy, no-fuss travel rewards credit card, the Capital One Venture Rewards Credit Card is a great fit. Limited benefits Insider’s Take The VentureOne Rewards Card is a slimmed-down version of the popular Capital One Venture Rewards Credit Card. If you're looking for a flexible travel credit card that fits your travel strategy, any Capital One travel credit card is worth exploring. Capital One Rewards frequently asked questionsHow can I earn rewards with Capital One credit cards?

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The Secret Service director, Kimberly A. Cheatle, faced bipartisan calls for her resignation on Monday, after a disastrous hourslong congressional hearing in which she declined to answer basic questions about the attempted assassination of former President Donald J. Trump. Nor would she tell members of the House Oversight Committee why Secret Service agents were not aware until the last seconds that people in the crowd had seen a gunman on that roof. At times, Ms. Cheatle seemed less informed than the lawmakers quizzing her. When Representative Marjorie Taylor Greene, a Republican from Georgia, asked for a detailed timeline of events, Ms. Cheatle said she did not have one. By the hearing’s end, many of the committee’s Democrats — usually defensive of their party’s appointees — had also swung sharply against Ms. Cheatle.

Persons: Kimberly A, Donald J, Trump, Cheatle, Marjorie Taylor Greene, ”, Democrats —, — Organizations: Service, Secret, Republican, Democrats Locations: Butler, Pa, Georgia

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The Aeroplan® Credit Card earns points directly, or you can transfer flexible points to Aeroplan. Using Aeroplan credit cardsThe Aeroplan® Credit Card is the only U.S. credit card that earns Aeroplan points directly. Aeroplan® Credit Card cardholders can also redeem Aeroplan points toward any eligible travel purchase through Chase Pay Yourself Back. So if you transferred 60,000 Marriott Bonvoy points, you'd end up with 20,000 Aeroplan points, plus a 5,000-point bonus for a total of 25,000 Aeroplan points. Aeroplan Rewards frequently asked questionsHow can I earn Aeroplan points without flying?

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Earning Membership Rewards pointsAmex Membership Rewards points are some of the most highly valued credit card rewards. For more information, read our supplemental posts comparing American Express Membership Rewards cards and our Membership Rewards transfer partners guide. Earn 5X Membership Rewards® Points for flights booked directly with airlines or with American Express Travel up to $500,000 on these purchases per calendar year and earn 5X Membership Rewards® Points on prepaid hotels booked with American Express Travel. Tips for Membership Rewards membersAmex Membership Rewards points are relatively forgiving, but there are some basic rules you should know. American Express Membership Rewards frequently asked questionsHow do I earn Membership Rewards points?

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Understanding the Federal Reserve's role in mortgage ratesThe Federal Reserve's actions are a big influencer in where mortgage rates head. In the time since the Fed began raising rates, mortgage rates have climbed steadily. The Fed's impact on mortgage rates FAQsHow does the Federal Reserve affect mortgage rates? The Federal Reserve influences mortgage rates by setting the federal funds rate, which impacts borrowing costs, investor activity, and market conditions. When the Fed raises interest rates, mortgage rates often increase as well, making borrowing more expensive.

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☆ My partner grew up rich, and I didn't. We almost broke up over my insecurities, but compassion and honesty have gotten us through.
▼ + stars: | 2024-07-21 | by ( Tess Martinelli | ) www.businessinsider.com time to read: +7 min

download the appSign up to get the inside scoop on today’s biggest stories in markets, tech, and business — delivered daily. Read previewThis as-told-to essay is based on a conversation with Geneviève Laforce, a 24-year-old content creator from Montreal, whose partner grew up wealthy. We've learned that managing a relationship with someone who grew up so differently requires constant compassion and open communication. I've been able to broaden her worldview and provoke a deeper sense of compassion for those who are struggling. If money complicates your relationship and you want to tell your story, please email Tess Martinelli at tmartinelli@businessinsider.com.

Persons: —, Geneviève Laforce, It's, We've, isn't, I've, she's, They've, Tess Martinelli Organizations: Service, Business Locations: Montreal, tmartinelli@businessinsider.com

☆ Answers to Questions From Morning Readers
▼ + stars: | 2024-07-21 | by ( The Staff Of The Morning | ) www.nytimes.com time to read: +1 min

The Morning recently invited its readers to submit questions. Below, we’re publishing a selection of them, along with answers from Times staff members. (We also published some answers in today’s edition of The Morning.) The English languageDo you have any data about the evolution of the English language? In terms of the actual heart of language — sounds, structures and basic words — English changed much faster from 1300 to 1500.

Persons: — Divya Thomas John McWhorter, Shakespeare, Chaucer, ” Organizations: Morning

☆ Judge halts $500 monthly basic income payments for low-income St. Louis families after conservative challenge
▼ + stars: | 2024-07-21 | by ( Kenneth Niemeyer | ) www.businessinsider.com time to read: +1 min

A judge halted a St. Louis basic income program after a lawsuit called it unconstitutional. The city planned about $220,000 in payments before it was blocked. download the app Email address Sign up By clicking “Sign Up”, you accept our Terms of Service and Privacy Policy . AdvertisementA basic income program designed to help the poorest residents in St. Louis will have to hold off on payments after a judge sided with conservatives who called the program "unconstitutional" in a lawsuit. Two residents — Greg Tumlin and Frank Hale — filed the lawsuit against the city in June, challenging a program that would have given 540 low-income families payments of $500 a month.

Persons: Louis, Tishaura Jones, —, Greg Tumlin, Frank Hale — Organizations: Missouri, Service, Business Locations: St

☆ I'm a millionaire, but I'm only leaving my kids a small inheritance. I want them to earn their money like I did.
▼ + stars: | 2024-07-21 | by ( Kelly Burch | ) www.businessinsider.com time to read: +5 min

I want my daughter to experience financial discomfortAbout 20 years ago, I met my wife, another Baha'i from Iran. I believe wealth is only commendable if earnedMost importantly, I want my daughters to work. While I plan to leave my daughters a small inheritance to ensure their financial security, I won't leave them enough money that they don't need to work. I want my children to have enough money to house themselves, get an education, and meet their basic needs. Beyond that, I believe money can corrupt if it's given rather than earned.

Persons: Payam Zamani, we'd, Zamani, I've, they'll Organizations: Service, Business, Group Locations: Iran, Pakistan, San Francisco, San Francisco Bay, America, Czech Republic, Prague, California, New York City, Bay

Here are the best mortgage lenders for first-time homebuyers and the affordable loans they offer, as chosen by Business Insider editors in 2024. If you're a Bank of America Preferred Rewards customer, you can get discountsCheck mark icon A check mark. Offers many unique types of mortgagesCheck mark icon A check mark. Low Cost Mortgages come with only $295 in closing costsCheck mark icon A check mark. Mortgage credit certificatesSome HFAs also offer mortgage credit certificates to first-time homebuyers.

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☆ The No. 1 factor to consider when investing in new clothes—anything else is a 'waste of money'
▼ + stars: | 2024-07-20 | by ( Kamaron Mcnair | In Kamaronmcnair | ) www.cnbc.com time to read: +2 min

The idea is to have a streamlined closet with a limited number of basic clothing items you can mix and match. She says neglecting her personal style was one of the biggest mistakes she made while filling out her capsule wardrobe. "If you buy a piece of clothing that you don't wear often, that's a waste of money," she says. But regardless how much you spend, if it's not something you are going to wear, it's going to be a waste of money. Here are three tips to help you figure out your personal style and stop overspending on clothes.

Persons: Michela Allocca, Derek Guy, it's Organizations: of Labor Statistics, CNBC

☆ This Summer’s Sleeper TV Hit: ‘Your Honor’
▼ + stars: | 2024-07-19 | by ( John Koblin | ) www.nytimes.com time to read: +1 min

Over a decade ago, “Breaking Bad,” the crime drama starring Bryan Cranston, catapulted from a basic cable show with so-so ratings to a big hit after Netflix started streaming it. And now the so-called Netflix effect is providing a boost, most unexpectedly, to “Your Honor,” another show starring Mr. Cranston — turning it into this year’s surprise summer TV hit. The series garnered more than a billion minutes of viewing time for three consecutive weeks, Nielsen said. (The “billion minute” mark is an unofficial Nielsen benchmark for a big hit.) According to preliminary Nielsen data, “Your Honor” will hit that milestone for a fourth consecutive week, and possibly a fifth too.

Persons: Bryan Cranston, ”, Mr, Cranston —, Nielsen Organizations: Netflix, Nielsen Locations: United States

Delta Reserve Business Card OverviewAmerican Express issues seven co-branded Delta credit cards, and the Delta SkyMiles® Reserve Business American Express Card is its most premium small-business credit card. Delta Reserve Business Card Annual Fees and Other CostsThe Delta SkyMiles® Reserve Business American Express Card charges a $650 annual fee, and each additional cardholder costs $175. Delta SkyMiles® Platinum Business American Express Card vs. Delta SkyMiles® Reserve Business American Express CardThe Delta SkyMiles® Platinum Business American Express Card is a step down from the Delta SkyMiles® Reserve Business American Express Card, with a $350 annual fee and a 65,000 bonus miles after spending $6,000 in purchases on your new card in your first six months of card membership welcome bonus. Delta SkyMiles® Gold Business American Express Card vs. Delta SkyMiles® Reserve Business American Express CardThe Delta SkyMiles® Gold Business American Express Card is a great introductory business credit card card for Delta-flying business owners who want basic travel comforts, but don't want to pay a hefty annual fee for those benefits. Delta Reserve Business Card Frequently Asked QuestionsCan I earn a sign-up bonus on the Delta SkyMiles Business Reserve card?

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Delta SkyMiles Gold Business American Express Card Annual Fee and Other CostsThe Delta SkyMiles® Gold Business American Express Card has an annual fee of $0 intro for the first year, then $150. Delta SkyMiles® Platinum Business American Express Card vs. Delta SkyMiles® Gold Business American Express CardThe Delta SkyMiles® Platinum Business American Express Card is the big sibling of the Delta SkyMiles® Gold Business American Express Card. Delta SkyMiles® Gold Business American Express CardThe Delta SkyMiles® Reserve Business American Express Card is Delta's top-tier business credit card. Despite very similar names, the Delta SkyMiles® Gold Business American Express Card and the American Express® Business Gold Card are different products. Why You Should Trust Us: How We Reviewed the Delta SkyMiles Gold Business American Express CardBusiness Insider's experts compared the Delta SkyMiles® Gold Business American Express Card to other business cards from Delta and competing airlines.

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☆ America’s Unstable Politics
▼ + stars: | 2024-07-19 | by ( David Leonhardt | ) www.nytimes.com time to read: +1 min

American politics was more stable for the past half-century than it had been for most of the country’s history. But yesterday’s remarkable events — in both Washington and Milwaukee, among both Democrats and Republicans — showed how unstable our politics have become. Biden himself has begun to accept the idea that he may have to drop out of the race, people close to him told The Times. Trump gave a speech that was both personal and rambling and that highlighted how different he is from any other recent president. He also demonstrated how he transformed the party over the past decade into a populist-sounding, antiwar, immigration-skeptical movement that Ronald Reagan would hardly recognize.

Persons: Republicans —, Biden, Donald Trump, Trump, Ronald Reagan Organizations: Republicans, Democratic Party, Times Locations: Washington, Milwaukee, New York

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