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☆ How much media and tech giants from Spotify to TikTok pay employees in the US
▼ + stars: | 2022-05-30 | by ( Ashley Rodriguez | ) www.businessinsider.com time to read: +12 min

Insider analyzed US pay data to see what eight media and tech giants offer top talent. Streaming fused media with technology, urging media companies to think like tech platforms and tech giants to move into content. These are base salaries, and do not include other forms of compensation such as stock options or cash bonuses. DisneyDisney and its US streamer Hulu offered base salaries ranging from $93,150 to $242,000 per year, according to wages from 132 foreign-labor-certification applications. Most of the salaries were for streaming and tech jobs, including data scientist and software engineer roles.

☆ Amex Blue Business Cash card review: A solid small-business credit card for earning cash back with no annual fee and a rare welcome bonus offer
▼ + stars: | 2021-07-27 | by ( Eric Rosenberg | Freelance Writer | Read More | ) www.businessinsider.com time to read: +23 min

Small-business owners can earn 2% cash back on up to $50,000 in spending per calendar year with the American Express Blue Business Cash Card. With the American Express Blue Business Cash™ Card, you can earn unlimited cash back on your spending with no annual fee. Insider's Featured Small Business Credit Cards U.S. Bank Business Triple Cash Rewards World Elite Mastercard®Ink Business Cash® Credit CardInk Business Unlimited® Credit Card Chevron icon It indicates an expandable section or menu, or sometimes previous / next navigation options. Usually, a major drawback of the American Express Blue Business Cash Card is that it doesn't offer a welcome bonus offer. Be sure to have a look at other small-business cards, like the Ink Business Cash® Credit Card and Ink Business Unlimited® Credit Card, which offer substantial intro bonuses and also don't charge an annual fee.

☆ (foto) Un scurtmetraj românesc, selectat în secțiunea „Cinefondation” la Festivalul de Film de la Cannes 2021
▼ + stars: | 2021-06-16 | by ( Onixmedia Srl | ) diez.md time to read: +2 min

(foto) Un scurtmetraj românesc, selectat în secțiunea „Cinefondation” la Festivalul de Film de la Cannes 2021Scurtmetrajul românesc „Prin oraș circulă scurte povești de dragoste”, regizat de Carina-Gabriela Dașoveanu, studentă la Universitatea Națională de Artă Teatrală și Cinematografică „I.L. Juriul va avea misiunea de a atribui trofeul Palme d’Or pentru scurtmetraj unuia dintre cele 10 filme incluse în competiție și de a decerna cele trei premii ale secțiunii Cinefondation pentru cele mai bune pelicule dintre cele 17 filme selectate și realizate de studenți ai unor școli de film. La fel ca anul trecut, juriul nu va avea un președinte, iar componența sa este paritară: trei femei și trei bărbați. Juriul va acorda premiile secțiunii Cinefondation într-o ceremonie care va preceda proiecția filmelor câștigătoare, joi, 15 iulie, în sala Bunuel din Palais des Festivals et des Congres din Cannes. Cea de-a 74-a ediție a Festivalului de Film de la Cannes se va desfășura în perioada 6-17 iulie.

Persons: Gabriela Dașoveanu, Ben, Alice Winocour, Carlos Muguiro, Nicolas Pariser, ., Palme, Emmanuelle Bercot, Cătălin Mitulescu, Corneliu Porumboiu, Asif, Dani Rosenberg Organizations: Universitatea Națională de Artă Teatrală și Cinematografică, I.L, Caragiale Locations: Cannes, Bucureşti, Tunisia, Tuva, Suedia, Franța, Egipt, Spania

☆ I tried Sleep by Headspace for a month to stop waking up in the middle of the night — here's how it went
▼ + stars: | 2021-06-14 | by ( Zoe Rosenberg | ) www.businessinsider.com time to read: +7 min

She decided to download Sleep by Headspace, which costs $69.99 a year. She liked the wind-down and mid-night exercises, which helped her get to sleep after waking up. The "Falling Back to Sleep" wind down. Some tracks I found distracting, like "Cabin Porch," which featured bird sounds that my mind equates more with waking up. While briefly glancing at a cell phone in order to play an item from Sleep for Headspace likely won't ruin a night of sleep, it invites into the bedroom the temptation to continue scrolling.

☆ The young lawyer who became the 'Don Quixote' of canceling student debt
▼ + stars: | 2021-05-29 | by ( Cezary Podkul | ) www.businessinsider.com time to read: +24 min

The victory marked the starting point for what's become Smith's raison d'être to help as many student loan borrowers as possible. But of those who did, around 60% managed to get a discharge of some portion of their student debt, Iuliano found. And thanks to a widely-held belief that student debt is categorically exempt from discharge, few are willing to take that chance. "I have $50k student debt, no degree, was a victim of attempted murder, out of work, and homeless," reads another. Austin SmithEventually, he says, he vowed to make it his life's cause to help the student loan borrowers.

The best kind of life insurance for most people is term life insurance. 2 situations where you might not need life insuranceThere are two main situations where you might not need life insurance. For some people with a high income, whole life insurance or universal life insurance could make sense. But for most people, the best kind of life insurance to get on your own is term life insurance. Do you need life insurance?

☆ I charge up to $80,000 to decorate celebrity homes for Christmas. We've had requests for carousels and live penguins — and if you can imagine it, we can do it.
▼ + stars: | 2020-12-24 | by ( Zoe Rosenberg | ) www.businessinsider.com time to read: +6 min

Ged Comerford is the operational director of The Christmas Decorators, a UK-based company. I came on board at The Christmas Decorators in 2009 and now I'm one of the owners of the company. Customers flooded The Christmas Decorators' head office between September and December with 10,400 inquiries. Everything we do isn't just time-sensitive — it's time critical"When it comes to decorating, we've had requests for carousels in peoples' gardens and live penguins," Comerford said. When it comes to decorating, we've had requests for carousels in peoples' gardens and live penguins.

Retirees say that saving and investing for retirement consistently is critical, as investing can help grow savings over many years. Sometimes, the simplest strategies are best — one retired grandfather used a buy-and-hold stock strategy to build a portfolio worth millions. Luckily, lots of people have retired comfortably and are willing to share the steps they took to do so. Here, we've compiled the best advice from four retired people for anyone who's looking forward to a long and happy retirement. Sean says that his grandfather's advice has helped him get on track to hit $6.8 million at age 60, or retire early.

Persons: that's, —, you've, we've, Sean, didn't, It's, Michelle Jackson's, it's, Jackson's, Jackson, Eric Rosenberg didn't, Rosenberg Organizations: Business, Service, Walmart Locations: United States

☆ BBC: Ce înseamnă victoria lui Biden pentru restul lumii
▼ + stars: | 2020-11-09 | by ( ) www.jurnal.md time to read: +8 min

Victoria lui Joe Biden oferă o altă provocare pentru sistemul chinez, scrie John Sudworth la Beijing. Kremlinul n-a ratat recenta declarație a lui Joe Biden, care a numit Rusia drept “cea mai mare amenințare” pentru America. Deci, este posibil ca Joe Biden să fie inițial mai dornic să vorbească cu Bruxelles-ul, Berlinul sau Parisul decât cu Londra. În schimb, Joe Biden a cerut Coreei de Nord să arate că este dispusă să renunțe la programul său de arme nucleare înainte de orice contact cu Kim Jong-un. Sub președintele Trump, sancțiunile SUA și o politică de presiune maximă au lăsat Iranul să se prăbușească la marginea colapsului economic.

Persons: Joe Biden, John Sudworth, Donald Trump, Trump, Rusia, Steven Rosenberg, Putin, Biden, Jessica Parker, Boris Johnson, Barack Obama, Brexit, Donald Trump ., Damien McGuinness, Președintele Trump, Angela Merkel, Kim Jong, Laura Bicker, Kim, Kim ., Qasem, Ali, Tom Bateman, Harris Organizations: Trump, Albă, Președintele, Kim, BBC, Service, palestinian Locations: China, Beijing, străinătate, SUA, Americii, Chinei, Rusia, Moscova, America, Rusiei, Londra, Irlanda de Nord, UK, Vinerea Mare, Bruxelles, Germania, Berlin, germani, Germaniei, Washington, Berlinul, Coreea de Nord, american, Seul, Coreei de Nord, Coreea de Sud, Iran, americană, Teheran, Orientul Mijlociu, Ierusalim, Israel, Arabia Saudită, Iranului, Golf, Emiratele Arabe Unite, israeliano, India, Asia de Sud

Even when interest rates fall, a high-yield savings account is the best place to keep cash for emergencies and short-term savings. Money may not grow quickly in a savings account, but modest interest rates and strong protections for your cash make high-yield savings accounts ideal for many situations. Here are some important reasons to stick with a high-yield savings account even when rates are not very exciting. You get automated savings optionsMany high-yield savings accounts are offered by banks that run primarily or exclusively online. One of the best perks of many high-yield savings accounts is the ability to fully automate your savings plan.

Persons: Insider's, —, Banks, you'll Organizations: Service, Federal Reserve Locations: United States

Our experts answer readers' credit card questions and write unbiased product reviews (here's how we assess credit cards). HRAUN/Getty ImagesSomeone recently used my family's credit card for fraudulent purchases, but I wasn't worried because when you use a credit card in the US, you're protected with $0 fraud liability. Credit card fraud has soared during the coronavirus pandemic, so it's more important than ever to protection yourself. It was a hassle, but it didn't cost a centThe Chase Freedom Unlimited® card is our "everything else" card. With a credit card, you just have to make one call, maybe fill out a form, and you're done.

If you have a lot of equity built up in your home, it may be possible to leverage it to buy your first investment property. Here's a look at my plan to tap into my home equity to buy my first investment property. Calculating home equityHome equity loans and home equity lines of credit are loans that use the equity in your home as collateral. Home equity installment loans are sometimes just called home equity loans or may be referred to as a second mortgage. If that all works as planned, I will end up making money every month from our investment property going forward.

☆ Living on a shoestring budget to retire in your 30s isn't for everyone, but there are 5 ways to get closer to early retirement without sacrificing everything
▼ + stars: | 2020-08-28 | by ( Eric Rosenberg | Stephanie Hallett | Freelance Writer | ) www.businessinsider.com time to read: +6 min

Retiring extremely early may require living on a very meager budget that's below the standard of living you would prefer. AdvertisementEven if you love your job, most people would love to have the option to retire early. Keeping that low-budget lifestyle, some well-known personal finance bloggers have been able to retire as early as their 20s or 30s. Many people looking to retire early put their money into low-fee index funds that follow the market. I don't want to have to work until I'm 65, so I'm using some strategies from FIRE to get me closer to early retirement.

Persons: —, Peter Adeney, Adeney, I'm, that's Organizations: Financial Independence, Service, FIRE Locations: California

Over time, my strategy has shifted from a focus on mutual funds to a focus on exchange-traded funds (ETFs). While ETFs and mutual funds are similar in most aspects, several key benefits make ETFs a better choice for the average investor. If that sounds a lot like a mutual fund, it's because this is how mutual funds work too. Until the 1970s, virtually all mutual funds were actively managed investment funds. While there are still fewer ETFs than mutual funds, there's enough selection that your needs, like mine, are likely covered.

Also called managed portfolios, most robo-advisors use an algorithm to match customers with professionally designed portfolios. Some robo-advisors include the option to discuss your investments with a human financial planner, which can put worries over computer-managed investment accounts to rest. Here are seven top reasons why you might pick a robo-advisor to help you save for retirement. You'll answer questions about your age, investment goals, risk tolerance, and other factors that the algorithm needs to pick your ideal investment portfolio. Robo-advisors generally cost less than traditional advisorsMany traditional financial advisors charge based on assets under management.

Persons: —, Michael Anderson, Charles Schwab, SoFi, Harry Markowitz, Anderson, it's Organizations: Service, Maranatha Financial, Investments

☆ I pay about $36 a month for disability insurance, and I sleep better knowing I'll have $5,000 a month to cover my bills if I can't work
▼ + stars: | 2020-08-18 | by ( Eric Rosenberg | Freelance Writer | Read More | ) www.businessinsider.com time to read: +6 min

If you don't get disability insurance as a benefit at work, it may be worth signing up for a disability insurance policy on your own. After that wake-up call, she signed up for disability insurance from Freelancers Union, a nonprofit that offers a range of services and benefits to freelancers, including disability insurance. What to look for in a disability insurance policyWhen setting up my disability insurance, there were a few important areas I wanted to review before signing on the dotted line:Monthly cost for desired coverage: Cost is a top consideration with any insurance product. Ultimately, your disability insurance should cover your essential monthly bills if you are unable to earn a paycheck. Social Security Disability Insurance may offer you coverage as well, but it's likely not enough to cover your bills on its own.

Understand how your credit score affects interest ratesGenerally, a credit score is the most important factor in deciding what interest rate a lender will offer you. Get your most recent credit scoreIt's one thing to suspect you have bad credit, and another to know exactly how bad it is. Consider a credit unionCredit unions are a great option for those looking to get a loan with bad credit. Your credit report spells out everything being counted in your credit — every loan, every credit card, every debt. Try and boost your credit scoreYour credit score is calculated, approximately, with the following five factors:payment history (35%)current debt balances (30%)length of credit history (15%)new credit (10%)credit mix (10%)Some of those factors are difficult to change, like the length of your credit history.

According to a 2020 report, over a 15-year period, nearly 90% of actively managed investment funds failed to beat the market. Portfolio managers are often Ivy League-educated investors who spend their entire workday attempting to outperform the stock market. AdvertisementIn the investment community, it's common knowledge that actively managed investment funds typically underperform compared to popular market benchmarks like the S&P 500. While I'm in favor of index funds, it is important to note that not all investors feel the same way. Keep a long-term focus on your money when investingThe stock market can be very exciting.

Persons: —, it's, I'm, I've, That's, Eric Rosenberg, Roth, Jordan Belfort Organizations: Ivy League, Service, Amazon

Business credit scores are based on underlying business credit reports that track loans, credit lines, business credit cards, and other business borrowing activity to help lenders and business partners understand how risky the underlying business is when it comes to credit. Just like there are three credit bureaus that track consumer credit scores, there are multiple companies that track business credit scores. Here are some of the major business credit score models you may come across:Dun & Bradstreet PAYDEX: The PAYDEX score from Dun & Bradstreet is one of the best-known business credit scores. How to find your business credit scoreBusiness owners can tap into both free and paid services to get access to business credit information. Free business credit scoresNav: Nav offers free business credit scores and reports with a paid subscription available that includes additional reports.

Our experts answer readers' personal loan questions and write unbiased product reviews (here's how we assess personal loans). But knowing exactly how to use a personal loan to pay off your credit cards is important so you don't end up paying more in the long run. If you are currently dealing with credit card debt and want to pay it off for good, a personal loan might make sense. Once you get yourself on a working budget, follow these steps to use a personal loan to pay off your credit cards. But if you want to consolidate all of those credit cards with a personal loan, you need the same information readily available.

When the COVID-19 crisis landed in the United States, the Federal Reserve slashed interest rates to record lows. As mortgage rates quickly followed, the time was ripe for a mortgage refinance. Coronavirus and mortgage interest ratesIn an effort to keep our economy humming along in the right direction, the Federal Reserve sets a target interest rate for interbank overnight loans. Mortgage, credit card, savings account, and other consumer interest rates tend to follow. Your credit score, income, and other debt are all part of the formula used to determine your mortgage interest rate.

Persons: —, Freddie Mac, That's, it's, refinance Organizations: Federal Reserve, Finance, Service, CNBC Locations: United States

Sticking with boring index funds helps you stay on track for your retirement goals. The best retirement investment advice I've ever come across can help you avoid risk and stay on track for your long-term goals. But the best retirement investment advice I've ever come across in my years in finance says to do just the opposite: When it comes to retirement investing, you should generally stick with boring investments. The best place for most people to invest for retirement is boring index funds. Avoiding excess risk and steadily adding to a portfolio of boring, low-cost index funds is the best route to retirement success.

Persons: that's, —, I've, Bud Fox, Gordon, Elon Musk, Tesla, That's, there's, VOO, Eric Rosenberg Organizations: Service, Netflix, VOO, Google, Tesla, P Global Locations: United States, Ventura , California

☆ Refinancing my mortgage will save me $50,000 in the long run, but I had to answer some unusual coronavirus-related questions to get the loan
▼ + stars: | 2020-05-07 | by ( Eric Rosenberg | Stephanie Hallett | Freelance Writer | ) www.businessinsider.com time to read: +6 min

When the coronavirus hit, the Federal Reserve lowered interest rates to near zero, the lowest since the 2008 financial crisis. Lower interest rates flow into other parts of the economy, including mortgage interest rates. However, I was making slow but steady progress with my original mortgage loan on the home. Self-employment wasn't a big issueWhen I signed up for my old mortgage loan, I was just over one year into full-time self-employment. A few dozen signatures later, and our loan was locked in at our new mortgage refinance rate.

Persons: Read, —, it's, Lance Cothern, I've Organizations: Federal Reserve, Service, Corporation Locations: California

You can use a secured credit card such as the Capital One Platinum Secured Credit Card to help build your credit. More Information No hard credit report pullReports to all 3 bureausBuild credit AND savingsJoin over 1 million credit buildersUnlock a Secured Credit Card after meeting eligibility criteriaCredit card application restrictionsThere's another reason you could get rejected for a credit card that doesn't involve your credit score. Use a secured credit cardWith no credit or bad credit, your best starting point may be a secured credit card. Adrian Nazari, CEO of credit reporting company Credit Sesame, says "a secured credit card is a great way to begin building credit while also keeping your budget intact and preventing any first-time credit card spending sprees." Capital One Platinum Secured Credit Card: This no-annual-fee secured credit card comes from one of the largest credit card issuers in the US.

Personal finance blogger Carmen Perez had $48,000 worth of student loans when she graduated in 2009. Three steps helped her tackle that debt: writing out everything she owed, choosing a method to tackle debt, and making sure to pay each month. In her journey to pay off her student loans, she found three steps that helped her to go from feeling overwhelmed to debt-free. Write out what you owe"I think the biggest advice is just to get organized around your student loans. By starting with these three steps, student loans can feel less overwhelming, more manageable, and be paid off sooner.

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