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☆ Amazon's jump-start to the holiday shopping season has even roped in Costco this year
▼ + stars: | 2024-10-08 | by ( Dominick Reuter | ) www.businessinsider.com time to read: +2 min

The holiday shopping season continues to start earlier in the year, thanks largely to Amazon. Amazon's 48-hour deals event is underway, along with competing sales by the major retailers. The holiday shopping season is underway earlier than ever, thanks largely to Amazon moving up its Prime Day deals event. Target kicked off the sequence early on Sunday with its Circle Week, while Walmart's Deals event gets underway online on Tuesday and in stores on Wednesday. What better way for retailers to tap into those trends than to invent a holiday that celebrates deals and kicks off a whole season of festivities?

Persons: — Organizations: Target, Costco, Service

☆ Your tax bracket may increase after 2025. Here's how it could affect your brokerage account
▼ + stars: | 2024-10-08 | by ( Kate Dore | Cfp | ) www.cnbc.com time to read: +3 min

Without action from Congress, trillions of tax breaks enacted by former President Donald Trump will expire after 2025, including lower federal income tax brackets, among other provisions. Higher rates after 2025 could impact some brokerage accounts since investors pay annual taxes on earnings, experts say. If you sell investments that you have owned for one year or less, the profits incur "short-term capital gains," or regular income taxes. Generally speaking, it's good to avoid short-term gains as much as you can. Actively managed mutual funds often trigger capital gains payouts, even when investors haven't sold shares, which can be a costly year-end surprise.

Persons: Donald Trump, Samantha Pahlow, Ferguson Wellman, Shea Abernethy, haven't, Abernethy, Tommy Lucas, Moisand Fitzgerald Tamayo Organizations: Ferguson, Ferguson Wellman Capital Management, Exchange, Investment Counselors Locations: Portland , Oregon, Winston, Salem , North Carolina, Orlando , Florida

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

☆ This one career mistake may be costing you $300,000 in retirement savings. Here's how to avoid it.
▼ + stars: | 2024-10-08 | by ( Laila Maidan | ) www.businessinsider.com time to read: +5 min

But there's one hiccup: your retirement savings rate could fall behind and the opportunity costs could pile up. The reason is that the most common default savings rate was quite low, at only 3%. Those who saw a raise below 10% saw a drop in their savings rate and the dollar amount they saved. Those lucky enough to snag an increase above 10%, still ended up with a higher dollar amount saved even with a lower savings rate. For passive savers who are stuck in their ways, it may be up to employers to make the adjustments by increasing the default savings rate.

Persons: switchers, —, It's Organizations: Service, Vanguard

The best Fire TV Stick deals right now include 42% off the Fire TV Stick 4K Max. The best Prime Day Fire TV Stick dealsAmazon Fire TV Stick 4K Max (2023) $34.99 $59.99 Save 42% This is Amazon's top streaming stick. View at Amazon What we like Check mark icon A check mark. Not a huge upgrade over previous modelAmazon Fire TV Stick 4K (2023) $24.99 $49.99 Save 50% The Fire TV Stick 4K is a good fit for 4K TV owners looking to spend less. View at Amazon What we like Check mark icon A check mark.

Persons: they're Organizations: Business, Deal, Amazon Prime, Alexa Voice, It's, Apple, Alexa

The Shark FlexStyle is an easy-to-use tool for creating a long-lasting blowout right at home. This one normally costs $319.99, but during Amazon Prime Day, it's $80 off at $239.99. ), there's no sense in waiting any longer — capitalize on the Amazon Prime Day sale, and you can have bouncy at-home blowouts without blowing your budget. The Shark FlexStyle isn't the only great deal available during Amazon Prime Day this year. Check out our roundup of all of the best Prime Day deals, or browse Amazon's website for the full selection.

Persons: Dyson, There's, it's, Watson Anthony, Airwrap, Remi Rosmarin, Rosmarin, We've Organizations: Business, Amazon Prime, Deal, Amazon, Crest

Apple iPad (9th Generation) $199.00 $329.00 Save 40% The 2021 9th-gen 10.2-inch iPad is great for those who need an iPad for simple and basic tasks, like streaming videos, browsing the web, and running apps. View at Amazon What we like Check mark icon A check mark. View at Amazon What we like Check mark icon A check mark. View at Amazon What we like Check mark icon A check mark. The featherweight, 8.3-inch iPad Mini offers ultimate portability, while the 13-inch iPad Air and iPad Pro boast the largest screens at the expense of portability.

Persons: Apple's, it's Organizations: Business, Prime, Deal, Apple, Apple iPad, iPad

☆ The 9 Elements of a Trump Rally
▼ + stars: | 2024-10-08 | by ( Ian Prasad Philbrick | Ashley Wu | ) www.nytimes.com time to read: +89 min

We have some voters, they’re for us, but they’ve never voted and they’re going to want to vote. There’s something wrong with Kamala and I just don’t know what it is, but there is definitely something missing. They’re going to get him in Florida.” It was always… That seemed to be the documents case. That’s great. They’re great.

Persons: there’s, I’m, It’s, Joe Biden, Kamala Harris, “, Trump, we’re, would’ve, Tim Walz, Biden, I’d, Rasmussen, We’re, David, they’re, they’ve, They’ll, You’re, “ You’ll, haven’t, she’s, everyone, David McCormick, Bob Casey, David’s, everybody’s, ”, we’d, Kamala, Oprah, doesn’t, I’ve, we’ve, Joe, Rachel Morin, who’s, that’s, Kamala let, … She’s, can’t, it’s, he’s, He’s, Wall, must’ve, ’ Kamala, Lyin, She’s, Donald Trump, “ I’m, Barack Hussein Obama, …, Obama, Hunter, Uncle Sam, Crooked Joe Biden, document’s, Sam, bah, what’s, David Muir, “ We’re, They’re, won’t, Mike Kelly, Kelly, Mike, Lyin ’ Kamala Harris, El Salvador, you’ve, he’ll, “ You’re, Donald, don’t, Don’t, Crazy Nancy Pelosi, Nancy Pelosi, Billy Graham, Franklin, “ Gee, Lyin ’ Kamala, Elon, Tesla, you’re, God, Sean O’Brien, I’ll, That’s, “ Donald Trump, Alphonse Capone, Alphonse, “ They’re, they’ll, Let’s, should’ve, Emerson, ” David, Dave McCormick, Dave, He’ll, Nick Langworthy, Nick, JD Longo, JD, we’ll, Corey, “ I’ve, Butler, Nobody, Tom, didn’t, Cory, Trumper, There’s, We’ve, “ Kamala, Go, San Francisco Kamala, Ronald Reagan couldn’t, Shawn Fain, It’ll, anybody’s, We’ll, Crooked Joe Organizations: Trump Republicans, Alabama, NFL, United, Democrat, Commonwealth, CPA, Border Patrol, Covid, ISIS, Space Force, Visa, Justice Department, National Guard, Green, Deal, Teamsters, of Police, New York Times, …, Nassau Coliseum, Slippery Rock, ICE, California, we’ll, Trump Reciprocal Trade, teamsters, US Steel, of Education, Black Colleges, Universities, Trump, Washington DC, America Locations: Pennsylvania, Commonwealth, Florida , Georgia, Alabama , Tennessee, Western North Carolina, Delaware, San Francisco, Erie , Pennsylvania, Alabama, Georgia, Wisconsin, United Nations, Iran, Erie County, Mexico, Tijuana, America, South America, Congo, Africa, United States, Asia, Yemen, California, Hollywood, Let’s, North Carolina, Russia, McDonald’s, New York, Ohio, Michigan, . Pennsylvania, Charleroi, Charleroi , Pennsylvania, … Charleroi, Harris, El, West Virginia, ”, China, Iowa, Philadelphia, Detroit, Atlanta, Florida, United States of America, Pennsylvania , Arizona , Wisconsin, Arizona, Slippery, Butler, That’s, San, Saudi Arabia, Japan, Ukraine, Washington

We're seeing huge Prime Day laptop deals, including big savings on gaming laptops, MacBooks, and more. Some of the best Prime Day laptop deals we've found include Lenovo's IdeaPad Slim 3i for 15% off, which was already an amazing value at full price. The best Amazon Prime Day gaming laptop dealsThe MSI Katana A15 for 18% off is an excellent deal that brings the upper-mid-range gaming laptop under $1,500. View at AmazonThe best Amazon Prime Day laptop dealsThe 14-inch HP laptop is an incredible deal at 29% off, bringing high-performance specs to $500. Check out our roundup of all of the best Prime Day deals, or browse Amazon's website for the full selection.

Persons: Slim Organizations: Business, Deal, Slim 3i, Amazon, Amazon Lenovo Legion 5i, Lenovo, Asus, MacBook, Apple MacBook, Air, Apple, Microsoft

☆ A new documentary claims to have found Satoshi Nakamoto, the mysterious founder of bitcoin
▼ + stars: | 2024-10-08 | by ( Jon Sarlin | ) edition.cnn.com time to read: +13 min

CNN —The identity of bitcoin creator Satoshi Nakamoto has long been one of the biggest mysteries of the internet age. Yet the man that director Cullen Hoback’s film names as the 2009 founder of bitcoin is denying he is Satoshi Nakamoto. “For the record, I’m not Satoshi,” Peter Todd, a bitcoin core developer, told CNN in a statement. Hoback’s evidence includes a 2010 bitcoin message board post from Todd that he concludes was written by Satoshi Nakamoto. I gave Peter Todd every opportunity to contradict the claims, to explain the claims.

Persons: Satoshi Nakamoto, ”, Cullen Hoback’s, bitcoin, ” Peter Todd, Todd, “ Cullen, “ Peter, ” Hoback, Hoback, Satoshi Nakamoto’s, he’s, Cullen Hoback, You’re, Satoshi, It’s, Craig Wright, They’re, you’ve, Peter Todd, I’ve, Adam Back, Adam, Peter, Roger Ver, Let’s, Peter Todd’s, ” Todd, I’m, Todd “, ” “ He’s, “ Peter’s Organizations: CNN, HBO, Warner Bros ., ” CNN, Newsweek Locations: Latvia, Satoshi’s

☆ GM expects 2025 earnings to be similar to this year's despite industry headwinds
▼ + stars: | 2024-10-08 | by ( Michael Wayland | ) www.cnbc.com time to read: +3 min

DETROIT — General Motors expects its 2025 adjusted earnings to be in a "similar range" to the company's results this year, CFO Paul Jacobson said Tuesday during the company's investor day. Achieving its 2024 targets as well as similar earnings next year would be quite an accomplishment. Jacobson declined to provide specific financial targets until the company formally releases its 2025 financial guidance early next year. GM's 2024 financial guidance includes anticipated capital spending of between $10.5 billion and $11.5 billion. Other than the financial targets for 2025, the automaker provided few significant updates at its investor day.

Persons: Paul Jacobson, Jacobson, Mary Barra Organizations: GMC, DETROIT —, Motors, Detroit, Auto, GM, North America, Wall Street Locations: Richmond , California, DETROIT, North

☆ Meme coins tied to the identity of bitcoin's inventor have rallied ahead of a new documentary that could reveal their identity
▼ + stars: | 2024-10-08 | by ( Kelly Cloonan | ) www.businessinsider.com time to read: +4 min

The jump in bitcoin creator-themed tokens comes ahead of a new HBO documentary about bitcoin. Crypto watchers believe the film will reveal the true name of bitcoin's pseudonymous creator, Satoshi Nakamoto. Coins like LEN, SASHA, and ODIN reference Len Sassaman, an American programmer long suspected of being bitcoin's creator. SZABO, meanwhile, a coin referencing computer scientist Nick Szabo, is up 377%. AdvertisementIn recent days, participants have increasingly bet in favor of Nick Szabo, a computer scientist who published research on bitcoin's precursor "bit gold."

Persons: Satoshi Nakamoto, —, LEN, SASHA, ODIN, Len Sassaman, SASHA —, SZABO, Nick Szabo, ADAM, Adam Back, Nakamoto, Satoshi Nakamotor, Sassaman, Meredith Patterson, Cullen, Szabo Organizations: HBO, Service, CoinMarketCap Locations: American, bettors

Covered by homeowners insurance: Not covered by homeowners insurance: FireWaterTheftVandalismHail , wind, lightning*, wind, lightning* Damage by a falling tree Maintenance and repairFloodEarthquake* Standard homeowners insurance covers hail damage, but there may be an exclusion if you live somewhere that gets a lot of it. Contact Information for Major Homeowners Insurance ProvidersState FarmClaims Phone Number: 800-732-5246Website: www.statefarm.comAllstateClaims Phone Number: 800-255-7828Website: www.allstate.comGEICOClaims Phone Number: 800-841-3000Website: www.geico.comUSAAClaims Phone Number: 800-531-8722Website: www.usaa.comLiberty MutualClaims Phone Number: 800-225-2467Website: www.libertymutual.comTips for a Smooth Homeowners Insurance Claim ProcessThough most homeowners insurance companies make it pretty easy to file a claim, the process can still be intimidating if you've never been through it before. Homeowners insurance claim FAQWhat should I do immediately after damage occurs? If your home insurance claim is denied, contact your insurance company to find out why, then file an appeal. She’s reviewed life insurance and pet insurance companies and has written numerous explainers on travel insurance, credit, debt, and home insurance.

Persons: Steve Wilson, you've, you'll, haven't, Jamela Adam, Read, Asis Alani Asis, Forbes, She’s Organizations: Hippo Insurance, Insurance, Major Homeowners Insurance, Allstate, Liberty, Smooth Homeowners, Records, All Communications, National Association of Public Insurance, National Association of Independent Insurance, Chevron, Forbes, . News, Mint Intuit, Asis, Business, AARP, CNN, Fortune, U.S . News, Finance, University of Hawaii Locations: U.S, Manoa

View at Amazon What we like Check mark icon A check mark. Adjustable headboard to fit any mattress from 6 to 14 inches deepCheck mark icon A check mark. View at Amazon What we like Check mark icon A check mark. View at Amazon What we like Check mark icon A check mark. View at Amazon What we like Check mark icon A check mark.

Persons: We're, Dresser, Ashley Caitbrook, Ashley, fryer, Max, Loloi, Loren, LQ, Jonathan Adler Organizations: Business, Deal, Amazon, futon, Morris, Morris & Co Locations: Tallulah

View at Amazon What we like Check mark icon A check mark. View at Amazon What we like Check mark icon A check mark. View at Amazon What we like Check mark icon A check mark. View at Amazon What we like Check mark icon A check mark. View at Amazon What we like Check mark icon A check mark.

Persons: Bose, Max, They're, Apple Organizations: Business, Deal, Sony WH, 1000XM5, Apple, Amazon, Amazon Sony WH, Sony, Apple AirPods, Wireless

Right now, you can snag Prime Day Frame TV deals on 32-, 50-, 55-, 65-, 75-, and 85-inch models. The best Amazon Prime Day Frame TV dealsSamsung 65-inch Frame TV (2024) with Teak Bezel $1,597.99 $2,195.98 Save 27% Samsung's Frame TV is designed to be hung flush against your wall like a hanging piece of art. You're paying for style over image qualitySamsung 75-inch Frame TV (2024) with Teak Bezel $2,497.99 $3,195.98 Save 22% This Frame TV comes with a magnetic teak bezel to give it an art-frame look. View at AmazonSamsung 55-inch Frame TV (2024) with Teak Bezel $997.99 $1,631.48 Save 39% This package includes the 2024 version of Samsung's Frame TV bundled with a teak bezel. As you might guess by its name, Samsung's Frame TV is built to resemble an art frame hanging on your wall.

Persons: Steven Cohen, It's, it's, Samsung's Organizations: Business, Deal, Samsung, Amazon Samsung

☆ HBO documentary may expose Bitcoin creator’s secret identity
▼ + stars: | 2024-10-07 | by ( Jackson Loo | ) edition.cnn.com time to read: 1 min

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Amazon's second 2024 Prime Day event, Big Deal Days, is one of the best opportunities to save money on an Amazon Echo device. Below, we've combed through all of the best Amazon Echo deals to find the top options that are already on sale. The best Prime Day Amazon Echo dealsAmazon Echo (4th Gen) $54.99 $99.99 Save 45% Amazon's flagship smart speaker is the best Echo for most people thanks to its room-filling sound, reliable Alexa voice control, and built-in smart-home hub capabilities. View at Amazon What we like Check mark icon A check mark. View at Amazon What we like Check mark icon A check mark.

Organizations: Business, Amazon, Black, Apple, Big Deal, Echo, Alexa

☆ Crypto relationship scams pose 'catastrophic harm,' SEC official says. Here's how to avoid them
▼ + stars: | 2024-10-07 | by ( Greg Iacurci | ) www.cnbc.com time to read: +4 min

krisanapong detraphiphat | Moment | Getty ImagesInvestors are at a heightened risk of cryptocurrency scams tied to fake relationships established over social media, dating apps and networking sites, federal officials warn. Last month, the SEC brought its first-ever enforcement actions tied to crypto relationship frauds. Crypto scam losses 'can be huge'Crypto, examples of which includes bitcoin and ethereum, is a digital currency. watch nowThere are "many variations" of crypto investment fraud, but the most prominent last year was the relationship scam, the FBI said. Jules, a victim of a crypto relationship scam, detailed her experience with the crime on a new FINRA podcast.

Persons: krisanapong, Fraudsters, Grewal, CoinW6, Kim Casci, Palangio, Micah Hauptman, Hauptman, Jules, —, Crispin La Valiente Organizations: Finance, FBI, Securities, Exchange Commission's, SEC, LinkedIn, Federal Bureau of Investigation, Consumers, Support, Financial Industry Regulatory Authority, Consumer Federation of America Locations: Seattle

☆ Coinbase is delisting some stablecoins in Europe this year. Here's what it could mean for the crypto stock
▼ + stars: | 2024-10-07 | by ( Tanaya Macheel | ) www.cnbc.com time to read: +3 min

Circle-issued USD Coin (USDC) did not hit the market until 2018. "Coinbase and Circle have a revenue sharing agreement — they share 50% of USDC revenue," he said. "If the market cap for USDC goes up revenue for Coinbase will increase as well." The market cap for dollar-backed stablecoins has been hitting all-time-highs in recent weeks after a sharp drop in 2023. Tether makes up more than 70% of the market cap of U.S. dollar-backed stablecoins, according to CryptoQuant.

Persons: Owen Lau, Oppenheimer, Lau, stablecoins Organizations: European Union, CNBC, . Locations: Europe, Crypto

☆ A Gen Xer quit his corporate job in SF and moved to Colombia. He said Medellín is more affordable and he's been able to launch 2 startups.
▼ + stars: | 2024-10-07 | by ( John Towfighi | ) www.businessinsider.com time to read: +6 min

Jason Bennett, 46, moved from San Francisco to Medellín, Colombia in 2018. Bennett quit his job at Banana Republic to move abroad and launch two startups. AdvertisementJason Bennett had a successful career in San Francisco but didn't see a future for himself in the corporate world. In 2016, he visited Medellín, Colombia, and said he envisioned it as his future home. Courtesy of Jason BennettBuilding financial independence started at a young ageBennett was born and raised in San Francisco.

Persons: Jason Bennett, Bennett, Medellín, —, didn't, I've, San Francisco Bennett, Jason Bennett Bennett Organizations: Banana, Service, Banana Republic, True Star Consulting, Consulting, Voting, Central America, University of Oregon, San, Medellín Philharmonic Locations: San Francisco, Medellín, Colombia, Francisco, Lisbon, South, Caribbean, Banana, American

☆ My family of 4 took the same grocery list to Publix and Lidl. We were shocked by the savings we found at the bigger chain.
▼ + stars: | 2024-10-07 | by ( Elliott Harrell | ) www.businessinsider.com time to read: +1 min

It's important to check the weekly deals at each grocery store. Levon Clark/Shutterstock, Remigiusz Gora/ShutterstockI saw similar savings throughout other aisles of Lidl as I shopped. The only exception I found on my list was an 18-count carton of eggs that was $1.20 cheaper at Publix. On this trip, I saved over $40 shopping the same list at Lidl instead of Publix. That said, I feel fortunate my local Lidl as accessible to me as a Publix.

Persons: Levon Clark, Remigiusz, Lidl Locations: Remigiusz Gora, Shutterstock, Lidl

Check out our full Dyson V8 cordless vacuum review for the full rundown on this capable and lightweight vacuum, but below are three reasons we think you should press "add to cart" on the Dyson V8 this Prime Day. Dyson V8 Plus Cordless Vacuum $299.99 $468.00 Save 36% For a Dyson at the lowest price possible, you can't go wrong with the basic but mighty Dyson V8 Plus Cordless Vacuum. View at Amazon What we like Check mark icon A check mark. The Dyson V8 is a great entry-level option from Dyson, especially if you want to have a Dyson cleaning tool in your repertoire. The Dyson V8 is particularly well-suited to pulling dust bunnies from the carpet and suctioning fine particles in one or two passes.

Persons: We've, Dyson, Dyson's vacuums, Jamie Davis Smith Organizations: Business, Dyson, Dock

Ally automatically moves "safe-to-save" money into savings — I've saved over $4,000 this way. Toss a rock in any direction, and you'll find banks advertising high-yield savings accounts with interest rates between 4.5% and 5.0%, even after the Federal Reserve lowered interest rates. Ally has savings features that boost my financial goalsAlly also has easy-to-use savings features, such as creating up to 30 buckets for different goals. I also have surprise savings set up, and usually, a few times a month, I get a notification to expect a surprise savings. Since I opened my main savings account three years ago, I've stashed away nearly $4,000 in surprise savings from one account.

Persons: Ally doesn't, Ally, I've, — Organizations: Service, Federal Reserve Locations: there's

☆ 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

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