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☆ How the cost of childcare is expected to change under Trump or Harris
▼ + stars: | 2024-11-01 | by ( Allie Kelly | ) www.businessinsider.com time to read: +6 min

Former President Donald Trump and Vice President Kamala Harris have both talked about the importance of making childcare more affordable. Below are three elements of the childcare equation and what the Harris and the Trump camps have either proposed or already done. Child tax creditsTrump and Harris have both proposed expanding the child tax credit, which currently provides up to $2,000 per child. Harris' child tax credit policy would restore the enhanced pandemic-era credit, giving parents up to $3,600 annually per child, with the amount dependent on a child's age and family income. The US's pandemic-era child tax credit expired at the end of 2021 because Republicans in Congress opposed it.

Persons: Harris, Trump, —, Donald Trump, Kamala Harris, Joe Biden's, Grant —, Anne Hedgepeth, Cindy Lehnhoff, Vance, hasn't Organizations: Service, Business, Child Care, Child Care Association, Budget

☆ Passing down an inheritance? Here's how to handle these 4 complicated assets — including houses and retirement funds.
▼ + stars: | 2024-11-01 | by ( Christine Ji | ) www.businessinsider.com time to read: +6 min

A way to get around this is to split the overall estate balance equally instead of divvying up individual assets, Snow recommended. You can also liquidate the business, which will convert business assets into cash quickly. AdvertisementSimilar to a family business, these assets might hold a lot of sentimental value but might not be easily passed down. Donating collections can be an effective way to circumvent capital gains and estate taxes. Confront potential disagreements over assets like a house early on, and make sure to provide details on complex assets like a family business.

Persons: —, Snow, who's, They'll, Roth, We've Organizations: Service, Business, Cresset

☆ I was put on a performance improvement plan and survived. It felt isolating and discouraging, but I'm a better employee now.
▼ + stars: | 2024-11-01 | by ( Alexander Pyles | ) www.businessinsider.com time to read: +4 min

I worked at an edtech company and was put on a performance improvement plan after making mistakes. I survived the PIP, and now I feel like I'm a better employee. I sat there on Google Meet as my supervisor explained the parameters of a performance improvement plan (PIP). Either way, the PIP said this: Improve by doing X, Y, and Z within the next 60 days, or you are gone. AdvertisementWhile nothing felt changed in my day-to-day beyond the release from all the extra tracking of my work, I had changed as an employee.

Persons: —, Julia White, Slack Organizations: Service, Google

☆ Vintage photos of Trump Tower show the early days of Donald Trump's New York City headquarters
▼ + stars: | 2024-11-01 | by ( Talia Lakritz | ) www.businessinsider.com time to read: +1 min

Donald Trump built Trump Tower in 1984 to house luxury condominiums and a shopping center. Vintage photos show Trump Tower under construction and its star-studded opening. Go to newsletter preferences Thanks for signing up! download the app Email address Sign up By clicking “Sign Up”, you accept our Terms of Service and Privacy Policy . AdvertisementCompleted in 1984, Trump Tower serves as Donald Trump's New York City home and office as well as a landmark tourist destination.

Persons: Donald Trump, Trump, —, Donald Trump's Organizations: Trump, Service, Trump Tower, York City Locations: York

☆ In an all-hands, Intel CEO addresses employee concerns about the US election and CHIPS Act funding
▼ + stars: | 2024-11-01 | by ( Helen Li | ) www.businessinsider.com time to read: +4 min

An Intel employee raised concerns about the upcoming US election's impact on CHIPS Act funding. Intel invested billions in US factories but hasn't received CHIPS Act grants yet. AdvertisementIntel CEO Pat Gelsinger addressed an employee-submitted question about whether the upcoming US election would affect Intel's CHIPS and Science Act funding at an all-hands meeting on Friday. He also addressed the delay of CHIPS Act funding distribution. Government leaders are also monitoring the CHIPS Act funding delays.

Persons: hasn't, Dow Jones, —, Pat Gelsinger, Gelsinger, I've, Semafor, Mike DeWine, Stephen Ezell, Kamala Harris, Donald Trump, Dow, maniacally Organizations: Intel, Nvidia, Dow, Service, US Commerce Department, Bank, Bloomberg, Congress, Government, White, Information Technology, Innovation Foundation, Life Sciences, Dow Jones Locations: New Mexico , Arizona , Ohio, Oregon, Washington ,, Ohio, New Albany

☆ Oprah just favorited Meta's Ray-Ban glasses in the latest sign the product is taking off
▼ + stars: | 2024-11-01 | by ( Katie Balevic | ) www.businessinsider.com time to read: +3 min

Oprah endorsed Meta's Ray-Ban smart glasses in her holiday gift list. Meta CEO Mark Zuckerberg said Meta's smart glasses continue to see strong demand. AdvertisementMeta's smart glasses are already outperforming expectations, and they just won a powerful endorsement as the holiday season kicks off. Oprah Winfrey listed the Ray-Ban Meta Smart Glasses in "Oprah's Favorite Things 2024," her annual gift guide on her digital platform called Oprah Daily. AdvertisementIt may provide another boost to the wave of success that Meta's smart glasses have already seen.

Persons: Oprah, Meta's Ray, Winfrey, Mark Zuckerberg, —, Oprah Winfrey, Products Winfrey, Zuckerberg, Susan Li, Francesco Milleri Organizations: Service, Meta, Products, Financial Times

☆ A new way for Russia to cement its hold on Ukraine: dirt-cheap mortgages
▼ + stars: | 2024-11-01 | by ( Thibault Spirlet | ) www.businessinsider.com time to read: +4 min

A major Russian bank launched a 2% mortgage rate that is available only in occupied Ukraine. The incentive is in keeping with other Russian attempts to cement its hold on occupied Ukraine. AdvertisementRussia is debuting a rock-bottom mortgage rate with a catch: it's only available if you live in a warzone. "The aim is to consolidate Russia's long-term presence — through 30-year loans, which is highly unusual in Russia — in the occupied Ukrainian regions," she told Business Insider. Ukraine says Russia has offered financial incentives, up to 5 million rubles or $51,000, to Russians who move there.

Persons: —, VTB, Agathe Demarais, topsy Organizations: Service, Russia's VTB Bank, NATO, geoeconomics, European Council, Foreign Relations, Reuters Locations: Russian, Ukraine, Russia, Luhansk, Donetsk, Ukrainian

☆ A "Game of Thrones" movie is reportedly in the works. It comes after a year of box office hits and misses for Warner Bros. Discovery.
▼ + stars: | 2024-11-01 | by ( Ayomikun Adekaiyero | ) www.businessinsider.com time to read: +6 min

Multiple outlets reported, citing unnamed sources, that a "Game of Thrones" movie is in the works. Warner Bros. Martin first suggested a "Game of Thrones" movie to tie up the franchise in a 2014 interview with The Hollywood Reporter. They grossed $1.8 million at the box office, according to Box Office Mojo. Warner Bros. PicturesA "Harry Potter" TV series reboot was announced last year after the box office failure of the "Fantastic Beasts" spin-off series.

Persons: —, aren't, George R.R, Martin, David Benioff, Weiss, Arya Stark, Maisie Williams, Bran Stark, Isaac Hempstead Wright, Sansa Stark, Sophie Turner, HBO Matthias Frey, Shawn Robbins, Robbins, Max, Frey, David Zaslav, Harry Potter, Denis Villeneuve's, Matt Reeves, " Frey Organizations: HBO, Warner Bros, Service, Hollywood, Discovery, Business, Wall Street, Department of Media, Creative Industries, City , University of London, Thrones, Office, Warner Bros ., HBO Warner Bros, Variety

☆ Walking pneumonia is spreading. Doctors share the tell-tale symptoms to look for, and varied ways to treat it.
▼ + stars: | 2024-11-01 | by ( Hilary Brueck | ) www.businessinsider.com time to read: +6 min

Walking pneumonia infections rose nationwide as kids returned to school this fall. Look out for a persistent cough, fever, and fatigueHistorically, walking pneumonia has been most common among school-aged children. People who've recently had the flu are also at increased risk for developing walking pneumonia. In rare cases, walking pneumonia can prompt brain swelling, kidney issues, and difficulty breathing, and people with lung issues, and weakened immune systems may be especially at risk of hospitalization with walking pneumonia. Without any testing, the daughter was diagnosed with walking pneumonia, and prescribed a Z-Pak (azithromycin).

Persons: —, Dr, Elizabeth Schlaudecker, pneumoniae, Russell Migita, Migita, we're, who've, Amoxicillin, Gerard Bottino, Schlaudecker Organizations: Service, Cincinnati Children's Hospital, Seattle Children's Hospital, CDC, Getty Images Locations: Cincinnati, Seattle

☆ JD Vance says pumping more oil will make housing cheaper. Economists say that's a stretch.
▼ + stars: | 2024-11-01 | by ( Eliza Relman | ) www.businessinsider.com time to read: +6 min

Both presidential campaigns have discussed ideas for cutting housing costs. Economists say lowering labor and building material costs is far more important to home building. Housing policy experts and economists disagree, saying lower energy costs would not significantly boost construction or make homes cheaper. Notably, under the Biden administration, the US has produced and exported more crude oil than ever before in the country's history, even as housing costs have soared. AdvertisementLabor costs and cutting red tape are also keyLabor costs are generally growing as a portion of overall construction costs, Basu said.

Persons: JD Vance, Trump, —, Donald Trump, Sen, Vance didn't, I'm, Anirban Basu, they're, Basu, Biden, Andrew Justus, Justus, might've, Vance, Nolan Gray, they'll, hasn't, Kamala Harris Organizations: Service, Biden, Associated Builders and Contractors, Trump, Niskanen, Labor Locations: Nevada, California

☆ The 11 best things to stream this weekend, from the epic 2-episode finale of 'Agatha All Along' to Netflix's Martha Stewart documentary
▼ + stars: | 2024-11-01 | by ( Olivia Singh | ) www.businessinsider.com time to read: +1 min

Shows like "Agatha All Along" and "Only Murders in the Building" released their season finales this week. New documentaries about Megan Thee Stallion and Martha Stewart are also out now. Go to newsletter preferences Thanks for signing up! download the app Email address Sign up By clicking “Sign Up”, you accept our Terms of Service and Privacy Policy . Here's a complete rundown of all the best movies, shows, and documentaries to stream this weekend, broken down by what kind of entertainment you're looking for.

Persons: All, Megan Thee, Martha Stewart, —, Agatha All, Janet Planet Organizations: Service

☆ Spain floods: Horrific details emerge of how Valencia victims died
▼ + stars: | 2024-11-01 | by ( Lauren Kent | Benjamin Brown | ) edition.cnn.com time to read: +6 min

Alberto Saiz/AP A man walks around a cemetery on the outskirts of Valencia on Friday. Alberto Saiz/AP People clear debris from a shop in Chiva on Friday. Alberto Saiz/AP A member of the Military Emergencies Unit searches for victims in Letur on Friday. Alberto Saiz/AP A man stands among damaged vehicles in Valencia on Thursday. Mud still fills the streets in many areas, with the mayor of Valencia sharing images of community clean-up efforts on Friday.

Persons: David Ramos, Manu Fernandez, Nacho Doce, La Torre, Ana Escobar, Susana Vera, Alberto Saiz, Ismael Herrero, Shutterstock, Doce, Jose Jordan, Blanca Ruiz, Carlos Calmaestra, Oscar Del Pozo, Eva Defez's, Mateo Villalba Sanchez, Eva Manez, Víctor, Spain’s, ”, RTVE, Paiporta’s, María José Catalá, La Organizations: CNN, RTVE, Firefighters, Getty, AP, Reuters, La Torre, Military, Unit, AP Authorities, Wednesday, Europa Press, Spain’s El Mundo, Spanish, “, ” Locations: Spain, Valencia, Torre, Benetússer, Chiva, Paiporta, La, Alfafar, Letur, La Torre, AFP, Godelleta, Utiel, Sedaví, L'Alcúdia, Spanish, Huelva, Andalusia, Orange

☆ Apple's China headache isn't going away anytime soon
▼ + stars: | 2024-11-01 | by ( Jordan Hart | ) www.businessinsider.com time to read: +3 min

Greater China is a key market for Apple, with new AI features expected to roll out in April. It also rolled out its highly-anticipated Apple Intelligence software in the US in English on Monday. While consumers may be buying the newest iPhones in Greater China, they'll have to wait until April for Apple Intelligence to launch in Chinese, however. However, competition is stiff, and Apple Intelligence still needs time to prove itself. It'll take months to know for certain if AI can move the needle for Apple in Greater China.

Persons: Apple, —, Tim Cook, Jacob Bourne, It'll Organizations: Apple, Baidu, Service, Apple Intelligence, Huawei, Xiaomi, Business, Wedbush Securities Locations: Greater China, China, EMARKETER

☆ Hugh Grant says he panicked and almost named his newborn after his son's favorite Minion
▼ + stars: | 2024-11-01 | by ( Erin Liam | ) www.businessinsider.com time to read: +3 min

Grant is not alone in picking unique names. On Tuesday's episode of "Jimmy Kimmel Live," Grant recalled the process of choosing middle names for his children. "And he said, 'Kevin,' because that was his favorite Minion," Grant recalled, referring to the character on "Despicable Me." Earlier in the show, he reflected on his middle names, "John Mungo." With the rise of social media, more parents are seeking uncommon names, baby name consultants previously told BI.

Persons: Hugh Grant, Kevin, Grant, —, Jimmy Kimmel, Anna Eberstein, Lulu Danger Grant, Eberstein, Tinglan Hong, John Mungo, Grant didn't, Colleen Slagen, Slagen, Kayla Naab, it's Organizations: Service, Business Insider, BI Locations: Blue

☆ I'm a Yale student, and I had to audition to join on-campus clubs. This controversial practice is an Ivy League tradition.
▼ + stars: | 2024-11-01 | by ( Miles Kirkpatrick | ) www.businessinsider.com time to read: +4 min

Most clubs don't engage in a rush process, but many do, primarily due to space and funding. AdvertisementSince it's such a stressful process for many students, it's considered a controversial tradition on Yale's campus. The moot court team application included space to discuss my interests and some fun questions about seahorses just for kicks; I appreciated the levity. AdvertisementAs for the improv groups, they go above and beyond to make auditioning a fun experience for everyone. AdvertisementHowever, overall, the system would be unable to maintain itself without a rush process.

Persons: —, it's, Rush, I've Organizations: Yale, Ivy League, Service

☆ I went on an 8-night Caribbean cruise with my mom, grandma, and extended family. It was the ideal multigenerational trip.
▼ + stars: | 2024-11-01 | by ( Fionna M. D. Samuels | ) www.businessinsider.com time to read: +1 min

I went on an eight-night Celebrity cruise with my mom, grandma, and other family members. The ship had shows and activities for everyone, making it the perfect way to vacation together. A cruise is a nice family reunion that doesn't burden anyone with hosting or entertaining the group. Go to newsletter preferences Thanks for signing up! The cruise was a perfect way to reconnect as a family while exploring unique places.

Persons: — Organizations: Service

☆ Dozens of Goldman Sachs executives are about the get the call of a lifetime
▼ + stars: | 2024-11-01 | by ( Reed Alexander | ) www.businessinsider.com time to read: +8 min

Goldman Sachs is gearing up to name a new class of partners. AdvertisementAs soon as next week, several dozen Goldman Sachs employees will receive the honor of a lifetime: Being named a partner of the prestigious Wall Street bank. Advertisement"Making partner at Goldman Sachs is a rigorous and competitive process," Goldman spokesperson Tony Fratto said in a statement. They can also help direct the bank's philanthropic spending through Goldman Sachs Gives, which the company says has granted $2.5 billion to more than 10,000 nonprofits. Are you a Goldman Sachs insider?

Persons: Goldman Sachs, —, Goldman, David Solomon, Paul Argenti, Morgan Stanley, Tony Fratto, you've, I've, gravitas Goldman, Argenti, they've, Solomon, dealmaking, Goldman's, Russell Horwitz, Reed Alexander Organizations: Service, Dartmouth College, Citigroup, Bank of America, Goldman, Financial, Partners, Reading, BI Locations: New York, London

Companies beat expectations, with some boosted by large cloud growth. AdvertisementThe tech giants Meta, Alphabet, Amazon, Apple, and Microsoft reported earnings this week, and investors were laser-focused on the results of AI investments. Cloud is kingMicrosoft, Alphabet, and Amazon saw significant growth in their cloud businesses, fueled by increased demand. Jeremy Goldman, EMARKETER's senior director of briefings, told BI that Microsoft's cloud business had decelerated from the "breakneck pace" of previous quarters. Related storiesWhile Google reported stronger cloud growth, Microsoft still leads it in cloud market share, and both are behind Amazon Web Services.

Persons: —, Kate Leaman, Jeremy Goldman, EMARKETER's, Amy Hood, Dan Romanoff, Andy Jassy, Tracy Woo, Forrester, AWS's, Jassy, Rufus, Sundar Pichai, Pichai, Mark Zuckerberg, Hood, Michael Field, Jaejune Kim, Lisa Su, we've Organizations: Apple, Companies, Service, Microsoft, Amazon, Morningstar, Google, Amazon Web, Amazon Web Services, Investment, Big Tech, Bank of America Securities, Meta, Nvidia, SK Hynix, Samsung, AMD, Services

☆ Satellite images show Russia weirdly emptied its warships out of a Black Sea Fleet base only to put them back later
▼ + stars: | 2024-11-01 | by ( Jake Epstein | ) www.businessinsider.com time to read: +8 min

The weird behavior follows devastating Ukrainian attacks on the Black Sea Fleet. The puzzling behavior has not yet been attributed to anything in particular, but it comes against the backdrop of a Ukrainian long-range strike campaign against the Russian Black Sea Fleet. The Black Sea Fleet was long headquartered at Sevastopol, in the southwestern corner of the occupied Crimean peninsula. Related Video Ukraine's sea drones vs. Russia's Black Sea FleetRussian warships during a naval celebration in Novorossiysk in July 2022. Ukraine's Sea Baby drones have been a weapon of choice during the Black Sea campaign.

Persons: —, BlackSky, BlackSky Brady Africk, Africk, That's Organizations: Black, Service, Business, Fleet, Ukrainian, Sea Fleet, AP, US, American Enterprise Institute, Security Service, Kyiv, Russian Locations: Russian, Russia, Novorossiysk, Sevastopol, Crimean, Feodosia, Crimea, Ukraine, Kyiv, we've, Moscow

☆ I take quiet vacations as often as I can. My employers have no idea where I am thanks to VPN tricks and my meticulous calendar.
▼ + stars: | 2024-11-01 | by ( Kimanzi Constable | ) www.businessinsider.com time to read: +7 min

download the app Email address Sign up By clicking “Sign Up”, you accept our Terms of Service and Privacy Policy . AdvertisementThis as-told-to essay is based on a conversation with Benjamin Fields, a 26-year-old teacher, student, and business owner. I got the job as a public school teacher in 2022. I used the majority of my leave from public school to go. I see my perfume business supporting me, and if I'm still teaching, I'll use that money to pay for travel and investments.

Persons: Benjamin Fields, he's, —, I'm, Fields, Jila, I've, Lauryn Haas Organizations: Service, Cornell University, Dubai, Ivory Coast, Google, USPS, Subway, lhaas Locations: Oklahoma, U.C . Berkeley, Dubai, Colombia, Portugal, London, Barcelona, Sydney, Ibiza, Berkeley, Antarctica, Vienna, Seville, Paris, Corfu, Cameroon, San Francisco, Monaco, Singapore, Macau

☆ I'm a flight attendant who's visited all 50 states. These are the 8 best ones to visit — and, yes, I have a favorite.
▼ + stars: | 2024-11-01 | by ( Leanna Coy | ) www.businessinsider.com time to read: +1 min

I'm a flight attendant who loves travel and has visited all 50 states. Some of my favorite states to visit include Nevada, Vermont, Maine, and Louisiana. Go to newsletter preferences Thanks for signing up! I've been able to visit all 50 states by strategically using my credit-card points, layovers, and job perks — after all, I am a flight attendant. Here are eight states I've loved visiting the most, including the one that's my favorite travel destination thus far.

Persons: I've, —, I'm Organizations: Service Locations: Nevada , Vermont, Maine, Louisiana, Massachusetts, Boston

☆ Russia's struggle to kick the Ukrainians out is likely only going to get tougher
▼ + stars: | 2024-11-01 | by ( Sinéad Baker | ) www.businessinsider.com time to read: +7 min

AdvertisementRussia's retaking territory in Kursk, but efforts to drive the Ukrainian forces out of the country will likely only get more difficult. Ukrainian troops invaded the Kursk region in southwestern Russia in August, and at one point, they held roughly 500 square miles of Russian territory. Russia's response to the shock assault was slow, but a larger effort to drive the Ukrainians out is now underway. Michael Bohnert, a warfare expert at RAND Corporation, told BI Ukraine doesn't have to defend Russian cities. Russia's military is larger than Ukraine's, which means that the more resources Russia uses, the harder it will be to defend.

Persons: —, William Alberque, Matthew Savill, YAN DOBRONOSOV, Michael Bohnert, it's, Alberque, Vladimir Putin, Ukraine would've, Savill, Russia's, Volodymyr Zelenskyy, Zelenskyy Organizations: Kursk ., Service, Stimson Center, Royal United Services Institute, UK Ministry of Defence, Getty, Russia Ukrainian, RAND Corporation, Ukraine, Ukraine's, Korean, Russian Defense Ministry Press, AP Locations: Russia, Ukraine, Kursk, Russian, Ukrainian, Sudzha, AFP, Russia's Kursk, Ukraine Ukraine, Russia's

☆ Some Democratic political advertisers are still betting on X, despite Elon Musk's allegiance with Donald Trump
▼ + stars: | 2024-11-01 | by ( Lara O'Reilly | ) www.businessinsider.com time to read: +7 min

Elon Musk's ownership has shifted X's political stance, affecting Democratic ad spending. X switched political ads back on last year as it looked to recoup lost revenue after a brand exodus. AdvertisementWhile some Democratic political advertisers — including Kamala Harris' presidential campaign — have stopped spending on X altogether, a small number are holding firm. It ceased taking political advertising in 2019 under former CEO Jack Dorsey; Musk reversed that decision last year. The research firm EMARKETER predicted that political ad spending in the US will top $12 billion this year.

Persons: X, —, Kamala Harris, Elon Musk, revved, hasn't, Colin Allred, Sen, Ted Cruz, Jon Tester, Tim Sheehy, — Jon Tester, it's, Harris, Linda Yaccarino, Tyler Goldberg, Mike Nellis, Nellis, I've, Matthew Madrazo, Jonathan Phelps, X's, Ned Segal, Jack Dorsey, Musk, Elon, Mark Jablonowski, Andy Kiersz Organizations: Elon, Democratic, Service, Twitter, Trump, Texas Senate, Montana, Solutions, Republican, Fox News, Democrats, Nellis, Media, X, Financial Times, Meta, Google Locations: Texas, Montana, Washington ,

☆ A scientist who researches healthy aging shares how she eats and works out
▼ + stars: | 2024-11-01 | by ( Serafina Kenny | ) www.businessinsider.com time to read: +4 min

Mary Ní Lochlainn researches the habits that lead to better health in older age. She does strength training, takes vitamin D, and does intermittent fasting. But the habits that Ní Lochlainn, 34, thinks are most important for healthy aging aren't expensive. Related storiesShe takes vitamin D supplements because people in the UK, where she lives, don't tend to get enough. AdvertisementNí Lochlainn takes vitamin D. Science Photo Library/Getty ImagesIntermittent fastingNí Lochlainn does intermittent fasting by not eating between her dinner and her breakfast in the late morning.

Persons: Mary Ní Lochlainn, —, Ní, Ní Lochlainn Organizations: Service, King's College London, Trinity College Dublin, Kings College London, National Cancer Institute, Getty

☆ 5 reasons BYD is surging ahead after eclipsing Tesla's quarterly sales for the first time
▼ + stars: | 2024-11-01 | by ( Tom Carter | ) www.businessinsider.com time to read: +5 min

The Chinese EV giant said in its third-quarter earnings on Wednesday it had surpassed Tesla's revenues from EV sales for the first time. Executives have said they want half of BYD's sales to come from abroad in the future. Unlike its rival, Tesla, BYD also offers a selection of hybrid vehicles, which are popular in China. Some 311,000 of the 500,000 passenger vehicles BYD sold in October were hybrids, with hybrid sales rising by 62% year-on-year. JADE GAO/AFP via Getty ImagesBYD has sold nearly two million hybrid vehicles this year.

Persons: BYD, Elon Musk, —, Tesla, Elon, GAO, Dylan Khoo, Stella Li, MotorTrend, Axel Schmidt, David Bailey Organizations: EV, Service, BYD, Getty, Mercedes, BMW, China, ABI Research, University of Birmingham Locations: China, Costfoto, Mexico, Brazil, Americas

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