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Such was the first day of DeSantis' "reboot" of his campaign in New Hampshire, the No. Before DeSantis began his speech, Michael Lunder, a 67-year-old businessman, said he was "probably going to support (DeSantis) financially." "I learned a few things that I didn't agree with, but, in general, I think I might support him," Lunder concluded. CAMPAIGN REBOOTIn the last two weeks, the DeSantis campaign has undergone a shake-up both in style and personnel, according to several people close to the campaign. He disagreed with DeSantis' position that support for Ukraine in its war with Russia is not a vital U.S. national security interest.

Persons: Ron DeSantis, sidled, Donald Trump, DeSantis, Scott Brown, Michael Lunder, Lunder, Frank Cimler, Joe Biden, Cimler, Gram Slattery, Ross Colvin, Howard Goller Organizations: Republican, U.S, Reuters, Democratic, Ukraine, Thomson Locations: RYE , New Hampshire, Florida, New Hampshire, Iowa, Trump's, COVID, Russia, U.S

☆ Americans flocked to Florida for low taxes and sunshine, but an under-the-radar cost of homeownership keeps rising: insurance
▼ + stars: | 2023-07-29 | by ( Jennifer Streaks | Senior Personal Finance Reporter | Read More | ) www.businessinsider.com time to read: +7 min

Florida homeowners are dealing with rapidly increasing homeowners insurance rates. Due to inflation and severe weather, Florida insurance rates are expected to increase by 40% in 2023. The Insurance Information Institute projects that property insurance rates in Florida will increase by at least 40% in 2023. Increase your insurance deductibleIncreasing your homeowners insurance deductible generally will lower your insurance premiums. Were you in the military, or a member of an alumni association or employment association that offers insurance discounts?

Persons: Mark Friedlander, Friedlander, it's, Rick Sinkfield, Sinkfield, Ian, Freidlander, Floridians Organizations: Service, Insurance Information Institute, Communications, Insurance, United Property, UPC, Hurricane Ian, Florida Legislature Locations: Florida, Wall, Silicon, New York, New Jersey

☆ Real-estate investor Guido Nunez has built a portfolio of 150 units across multiple multifamily properties. He shares the refinancing and tax strategies he's used to continually snowball his wealth.
▼ + stars: | 2023-07-27 | by ( William Edwards | ) www.businessinsider.com time to read: +4 min

To scale up, he's used the BRRRR method and 1031 exchanges. One example of how Nunez has used the BRRRR method involves a property in Long Beach, California that he bought in 2015. For the 1031 exchange approach, Nunez did the same thing: he fixed up properties, forcing appreciation in them. To allow him keep all of the value he'd built up and not get taxed on it, Nunez used a 1031 exchange and bought other properties. When he believes he's maxed out a properties appreciation, he uses a 1031 exchange as opposed to a cash-out refinance.

Persons: Guido Nunez, he's, Guido Nunez's, Guido wasn't, He's, It's, Nunez, Dave Wieland — Organizations: Capital Locations: Long Beach , California

☆ I made up to $6,300 a month working 3 hours a day as a virtual assistant. Here's how I found and connected with new clients through Instagram.
▼ + stars: | 2023-07-21 | by ( Ella Hopkins | ) www.businessinsider.com time to read: +6 min

I focused on a client nicheI started working as a virtual assistant in January 2021. I connected with clients organically on InstagramI put all my time and effort into making my Instagram profile engaging. I'd find clients I wanted to work with and comment on their posts and respond to their Instagram stories. I'd have about five or six clients on the go at a time, and I'd work for each one every day. With each client, I'd explain on the call that I had a minimum length of four months for each contract.

Persons: Shannon Blanchard, Blanchard, —, What's, I'd, Jessica Hawks, creatives, they'd, I've Locations: Minneapolis, TikTok

☆ These are the 3 key things that will impact the stock market in the week ahead
▼ + stars: | 2023-07-15 | by ( Zev Fima | ) www.cnbc.com time to read: +10 min

A lot was riding on these important measures of inflation after the scorching-hot ADP jobs report last week. Here are 3 things you need to know for the week ahead: 1. Industrial production and capacity utilization, also out Tuesday, shines a light on manufacturing, which attributes about 12% to U.S. GDP. Six months is generally considered to represent a balance between supply and demand in the housing market. Jim waits 45 minutes after sending a trade alert before buying or selling a stock in his charitable trust's portfolio.

Persons: Stocks, Morgan Stanley, Johnson, Jeff Miller, Lockheed Martin, Charles Schwab, JB Hunt, Goldman, Baker Hughes, Ally, Kinder Morgan, Zions, Philip Morris, Abbott, ABT, Jim Cramer's, Jim Cramer, Jim, Scott Olson Organizations: Nasdaq, Dow Jones Industrial, Housing, CPI, Halliburton, HAL, Johnson, of America Corp, Lockheed, Lockheed Martin Corp, Novartis International AG, PNC Financial Services Group, Inc, PNC, Charles Schwab Corp, Bank of New York Mellon Corporation, BK, Synchrony, Interactive, Goldman Sachs Group, U.S . Bancorp, ASML, Citizens Financial, T Bank Corp, Northern Trust Corporation, Horizon National Corp, Business Machines Corp, IBM, United Airlines, Netflix, Steel Dynamics, Alcoa, Discover Financial Services, Crown, International Corp, Equifax Inc, Las Vegas Sands Corp, Liberty Energy Inc, Philip Morris International Inc, Taiwan Semiconductor Manufacturing Company, American Airlines Group Inc, Travelers Companies, SAP, Nokia Corp, Truist Financial Corporation, Company, McLennan Companies, Infosys Technologies Ltd, Newmont Mining Corp, Fifth Third Bancorp, Pool Corporation, Alfa Laval, Webster Financial Corp, Blackstone, Financial Corp, PPG Industries, CSX Corp, CSX, Berkley Corp, Swift Transportation Holdings Inc, American Express Co, AutoNation Inc, Interpublic, of Companies, Autoliv Inc, Huntington Bancshares, Financial Corporation, Roper Technologies, Comerica, Jim Cramer's Charitable, CNBC, Getty Locations: U.S, Las, ZION, Horton, Freeport, Marsh, ALFVY, W.R, Lemont , Illinois

Fitbit's Versa line of wearables remains some of the best fitness trackers on the market. Because Fitbit stopped selling the Versa 3, you may even consider a refurbished model of the device instead of upgrading to the Versa 4. Fitbit Versa 4 vs. Fitbit Versa 3: Smartwatch performanceOne of our biggest gripes about the Fitbit Versa 4 is its lack of support for third-party apps. Fitbit Versa 4 vs. Fitbit Versa 3: Health and fitness trackingRick Stella/InsiderTracking features are roughly identical for the Versa 3 and 4, which means there isn't much of an upgrade. Fitbit Versa 4 vs. Fitbit Versa 3: Battery lifeFinally, the Versa 4 can boast one advancement: The battery life is markedly better than the Versa 3's.

Persons: we've, Fitbit, Pink Clay, Rick Stella, it's, we're, hasn't, we'd Organizations: Google, Amazon Alexa, iOS Battery, Versa, Spotify, Walgreens, Fitbit, Apple

☆ Startup studio Fractal created 130 companies in 3 years. Founders say the deal structure has led VCs to 'blacklist' them.
▼ + stars: | 2023-06-29 | by ( Melia Russell | Stephanie Palazzolo | ) www.businessinsider.com time to read: +19 min

www.fractalsoftware.comOf the dozens of Fractal startups that have raised a seed round of funding, about half had Bienville Capital lead the deal, according to people familiar with the matter. Others say they knew what they were getting into with a venture studio, where a large ownership position is standard. Brendan Smialowski/AFP via Getty ImagesThe biggest draw for some Fractal founders was its plug-and-play approach. The founder of one Fractal startup remembered a time when his company was struggling to grow its customer base. That firm is raising a new $325 million fund to provide additional funding to Fractal companies exclusively, according to a person familiar with the effort.

Persons: Fractal's, he'd, they'd, Andreessen Horowitz, Mike Furlong, Nate Baker, Bienville, —, Brendan Smialowski, Founders, Angela Lee, Furlong, Baker, Ezra Shaw, who'd, who's, It's, Lee, She's, 8VC, Bain, Jeff Greenberg, Omri Bloch, who've, didn't, Stephanie Palazzolo, Melia Russell Organizations: Flatiron Health, Bienville, Insight Partners, Bienville Capital, Getty, Columbia Business School, Alpha, Midwest, Science, Olympic Club, Tiger Global, Craft Ventures, Founders, Vertical Venture Partners, Zag, Crew Capital, Bain Capital, Universal, Foundation, Fifth Locations: Bienville Capital, New York, Bienville, Indio, AFP, Santa Monica , California, Miami, San Francisco, GreenSpark, Columbia, Barti, Aktos, Bessemer, 8VC

☆ How Jeffrey Epstein turned the US Virgin Islands into a pedophile's playground and helped elect a sitting member of Congress
▼ + stars: | 2023-06-27 | by ( Jacob Shamsian | ) www.businessinsider.com time to read: +21 min

Court filings show how Jeffrey Epstein exerted power in the US Virgin Islands, two of which he owned. A financier worth hundreds of millions of dollars, Epstein owned two islands in the US Virgin Islands (there are roughly 50 islands overall). He had donated generously to Democratic politicians from the US Virgin Islands for years. With the assistance of the US Virgin Islands' first lady, Epstein navigated the territory's political waters unscathed. The court records show that, at least in the US Virgin Islands, he exerted influence with little friction.

Persons: Jeffrey Epstein, Stacey Plaskett, —, Plaskett, Epstein, James, Lesley Groff, Scott Applewhite, Stacey, Thomas, didn't, Groff, maxed, Shawn, Michael Malone, Gabriel Lopez Albarran, Cecile de Jongh, John de Jongh Jr, de Jongh, Malone, De Jongh, Darren Indyke, Richard Kahn, Kahn, Groff didn't, Stuart McPhail, McPhail, Jeffrey Epstein's, Erika Kellerhals, Hi Jeffrey, Rick Friedman, Corbis, de, JPMorgan Chase, Ghislaine Maxwell, Epstein's, Maxwell, She's, Mary Erdoes, Jamie Dimon's, Jes Staley, Epstein's thrall, Jongh, Denise George, Albert Bryan Jr, Bryan, Jed Rakoff, Emily Michot, Bill Clinton, Donald Trump, Prince Andrew, Trump's, De, Epstein doled, John de Jongh's, Kenneth Mapp, John de Jongh, John, wasn't Organizations: Virgin Islands, Service, Democratic, US, Islands, Democratic Congressional, AP, Federal, Commission, Democratic Party, Virgin Islands Economic Development Authority, Southern Trust Co, de, Indyke, Democrat, Getty Images JPMorgan, US Virgin Islands, JPMorgan, Virgin, Hyperion, Barclays, Authorities, United States Virgin Islands, Virgin Islands Senate, Gov, New York Times, US Virgin, Deutsche Bank, U.S ., Miami Herald, Tribune, Getty, Federal Government, Mapp's PAC Locations: Virgin, Washington, Puerto Rico, Little St, Palm Beach , Florida, St, Croix, Manhattan, Islands, US Virgin, New York, U.S, U.S . Virgin Islands, Jongh, Tortola

See Insider's picks for the best personal loans >>Compare Personal Loan RatesHere's how you can get approved for a $20,000 loan from a credit union, bank, or online lender. $20,000 loan offersThere are plenty of personal loan options out there for folks shopping around for a good deal on a $20,000 loan. You can take out a loan as low as $5,000 and as high as $100,000, so a $20,000 loan is more than doable with SoFi. How to get a $20,000 loan FAQsHow much would a $20,000 loan cost per month? The monthly cost of a $20,000 loan can vary greatly based on the annual percentage rate (APR) and the terms of your loan.

Persons: —, It's, You'll, you'll, SoFi, Wells Organizations: Service, Social, National Credit Union Administration, Wells Fargo, Wells, PenFed Credit, Avant, Chevron Locations: Wells Fargo, Massachusetts , Ohio, New Mexico, Georgia

Credit score and history: Your credit score and history are key to getting your loan approved for a personal loan. How to qualify for a $10,000 loan with bad creditA good credit score is essential when getting approved for a $10,000 loan. $10,000 loan offersIf you're looking to take out a $10,000 loan, here are some lenders worth considering:LightStream is best for borrowers with excellent credit scores, but you can still qualify with a score as low as 660. How to get a $10,000 loan FAQsHow much would a $10,000 loan cost per month? The cost per month for a $10,000 loan can vary greatly based on the regular annual percentage rate (APR) and the terms of your loan.

Persons: —, you've, They're, LightStream, SoFi, Avant Organizations: Service, Social, National Credit Union Administration, SoFi, PenFed Credit, Avant, Chevron Locations: prequalification, Massachusetts , Ohio, New Mexico, Georgia

☆ What the Fed Rate ‘Pause’ Means for Your Money
▼ + stars: | 2023-06-14 | by ( Steve Garmhausen | ) www.wsj.com time to read: +6 min

By Steve GarmhausenFor months consumers have watched interest rates steadily climb. “This is the Fed just kind of waiting and seeing,” says investment adviser Brian Frank, in Key Biscayne, Fla.What does the Fed ‘pause’ mean? While no one knows where interest rates are headed, here is how to prepare yourself for three basic scenarios. If the Fed pulls away the football, stock prices could retreat. In that case, folks with higher mortgage rates can eventually refinance.

Persons: Steve Garmhausen, ”, Brian Frank, you’ve, Jon Foster, “, can’t, Frank, you’ll Organizations: Federal Reserve, Fed, won’t, Nasdaq Locations: Key Biscayne, Fla, Los Angeles

A man on Dave Ramsey's show seven years ago said half his income was going towards his car loan. He is now debt free after following Ramsey's advice, and helps others with their own finances. A man who appeared on Dave Ramsey's show seven years ago said the harsh advice he got helped turn his finances around — and that he's now debt free. Ramsey is an American radio host and evangelical Christian who is known for his financial advice. But Amirfarzaneh, who does not have any part in the lawsuit, said he appreciated Ramsey's advice because it was simple.

Persons: Dave Ramsey's, Faraz Amirfarzaneh, Ramsey, Amirfarzaneh, It's, he's, he'd Organizations: BMW, Toyota Avalon, Avalon, Toyota Locations: —, Los Angeles, American, Texas

There are many reasons why a credit card issuer could decide to reduce your credit limit. AdvertisementIntroduction to Credit Line DecreasesYou're cruising along with your favorite credit card when you get a notification that your credit limit's been lowered. How does a decreased credit line affect my credit score? A decreased credit line can increase your credit utilization ratio, potentially lowering your credit score. AdvertisementKeep your credit utilization low, make payments on time, regularly use your credit card, and maintain a stable income.

Persons: —, Banks, you've, You've, Equifax —, You'll Organizations: Service, Consumer Financial

☆ Mom and Dad of 14-year-old college graduate share their No. 1 parenting rule: We 'left no room for negotiating on his social skills'
▼ + stars: | 2023-06-04 | by ( Rebecca Picciotto | ) www.cnbc.com time to read: +4 min

From left: Mark Wimmer, Melissa Wimmer and Mike Wimmer, who graduated from college in May at age 14. Melissa and Mark Wimmer say they "never pushed" their son Mike to do homework — but they're hard-liners when it comes to him making friends. "I'll be honest, people expect 'Young Sheldon' before they meet Mike," Melissa tells CNBC Make It, referring to the CBS television show. The Wimmers are proud of helping Mike ensure his "social skills were in line with his intellectual skills," Mark says. "Mike will be the first one to say that his parents never pushed him as far as academics go, but [that] they left no room for negotiating on his social skills."

Persons: Mark Wimmer, Melissa Wimmer, Mike Wimmer, Melissa, Mike, isn't, Young Sheldon, Mark, You've, shuddering, he's Organizations: Mensa, Atlantic, Carolina University, CNBC, CBS, University, Buffalo Locations: Salisbury , North Carolina, Bermuda, lionfish

Middle-income households are less likely to have access to resources like Medicaid and food stamps. The report, by Drexel's Autism Institute, looked at the intersection of poverty, race, and health outcomes for autistic youth. Children with autism from middle-income households, or households at 200% to 399% of the federal poverty line, actually had the worst health outcomes out of all income classes. The first, Dr. Anderson pointed out, was that middle-income households are less likely to be eligible for Medicaid. While some states offer waivers for kids with autism from middle-income households, it's far from a universal practice.

The scenes come as Title 42 is set to expire just before midnight on Thursday. But Brandon Judd, president of the National Border Patrol Council representing U.S. border agents, confirmed that agents distributed the handouts. Judd said border officials were working to process as many migrants as possible before Title 42 ends. The flyer also said migrants must report to border authorities before accessing El Paso shelters, an assertion advocates said was not true. But hours later, after seeing other migrants return with U.S. paperwork, he lined up at a border patrol station.

☆ Alzheimer’s patients may wait years to get treated with new drugs, putting them at risk of more severe disease
▼ + stars: | 2023-04-30 | by ( Spencer Kimball | ) www.cnbc.com time to read: +17 min

But time spent waiting robs early patients of their memory and ability to live independently. This condition is often, though not always, a sign of early Alzheimer's disease. PET scans cumbersomeTwo types of tests can diagnosis Alzheimer's disease: PET scans and spinal taps. Early Alzheimer's disease can also be diagnosed with a spinal tap, in which fluid around the spinal cord is extracted with a catheter and tested. He believes big players like CVS will provide infusions for Alzheimer's disease on a major scale if they see there's a large and stable market.

Wall Street on Tuesday upgraded two underperforming Club stocks — Emerson Electric (EMR) and Danaher (DHR) — to the equivalent of buy ratings. Historically, the iPhone's expensive price tag has hindered its ability to gain meaningful market share in the Indian smartphone market. We're confident Apple is gaining traction with Indian consumers , one reason why we continue to see Apple is a long-term investment. The company's two-pronged strategy of growing both its manufacturing- and consumer market share in India should prove fruitful in the coming years. As a subscriber to the CNBC Investing Club with Jim Cramer, you will receive a trade alert before Jim makes a trade.

☆ Rome foot-dragging can help EU kick bad aid habits
▼ + stars: | 2023-04-18 | by ( Rebecca Christie | ) www.reuters.com time to read: +7 min

Italian Prime Minister Giorgia Meloni is trying to pry out 19 billion euros in EU pandemic aid. Economic conditions have changed a lot since it launched its 800 billion euro pandemic recovery plan in 2020. With 191.5 billion euros requested in grants and loans, it is in line to receive more EU pandemic aid money than any of its peers, and 67 billion euros has already changed hands. EU member states approved public borrowing of about 800 billion euros to fund the aid programme. Total commitments come to only about 508 billion euros, according to a dataset maintained by the Brussels-based Bruegel think tank.

☆ Opinion: Gun control after Louisville shooting has a chance
▼ + stars: | 2023-04-13 | by ( Max Burns | ) edition.cnn.com time to read: +9 min

Meanwhile, Democrats — once wary of mentioning gun control at all — have finally rediscovered their voice. See heated gun control discussion between lawmakers in the halls of Congress 01:19 - Source: CNNDemocrats’ rising confidence in fighting for gun reform comes against a backdrop of tireless coalition-building from gun safety activists and community organizers across the country. Everytown credits at least 51 pieces of state-level gun safety legislation passed in 2022 to their state-by-state strategy. Over the summer, an NPR/PBS NewsHour/Marist poll found that 59% of American adults think it’s more important to control gun violence than to protect gun rights (35%) — “its highest point in nearly a decade.” These figures have surely factored into Democrats new assertiveness on gun control. “Republicans look completely unreasonable when they won’t even discuss background checks, gun safety measures like storage or red flag laws,” Del Percio warned.

☆ Hacker Stole My Phone, Credit Card, Identity. I Set Out to Find Them.
▼ + stars: | 2023-04-02 | by ( Avery Hartmans | ) www.businessinsider.com time to read: +22 min

They left the Verizon store and went to a nearby Apple store, where they used my Chase credit card to spend $6,370. And two, because a physical credit card had been used to make the purchases, even though I was still in possession of my card. Typically, when your credit card is about to expire, as mine was, the bank sends you a new card a few weeks ahead of time. All told, the gang allegedly stole hundreds of identities and defrauded retailers and credit card companies of $1.3 million. Whoever hacked my identity, it makes sense that they started with my credit card.

☆ 'Staying the course is the play,' advisor says. 4 tips to help weather market volatility
▼ + stars: | 2023-03-22 | by ( Lorie Konish | ) www.cnbc.com time to read: +4 min

"In the months ahead, volatility may come and go," Vanguard global chief economist Joe Davis said last week. "And for all of us, I think it's important to remember to focus on what we can control," he said. By staying invested in the markets, investors have a better chance of success when it comes to achieving their long-term goals, Davis said. There are a few things to keep in mind that can help you stick through market turbulence, advisors say. "It's important to remember that by staying invested, you're playing the game of compounding your returns," Boneparth said.

☆ Senate Republicans criticise Biden budget amid banking, market strains
▼ + stars: | 2023-03-15 | by ( David Morgan | ) www.reuters.com time to read: +5 min

Republicans have refused to raise the nation's $31.4 trillion debt ceiling unless Democrats agree to sharp spending cuts. "We have to use this debt ceiling issue to pry the nation's maxed-out credit card from Joe Biden's hands," Republican Senator Roger Marshall said. Not touching those, or failing to cut defense spending, leaves little chance of addressing the government's budget deficit. Young said the White House looked forward to seeing a Republican budget that suggests the programs are off the table. Republicans are determined to avoid tax hikes and to preserve tax cuts for the wealthy implemented under former President Donald Trump.

☆ Tech staffing unicorn Andela is buying a smaller industry peer, as startups are looking to combine amid a tough funding market
▼ + stars: | 2023-03-09 | by ( April Joyner | ) www.businessinsider.com time to read: +4 min

Remote tech-talent startup Andela is acquiring the engineering assessment platform Qualified. Companies outside of tech are still hungry for engineering talent, Andela CEO Jeremy Johnson said. Founded in 2014 with an initial focus on training and hiring African engineers, Andela now connects companies with remote technical workers in 170 countries worldwide. At first glance, the deal seems to counter prevailing trends in the tech industry: Startups are widely seeking to preserve cash as venture capital funding has slowed down, and tech companies of all sizes have undergone significant layoffs. "They've all realized they have to become tech companies," he said.

☆ A real estate investor who owns over 1,000 units shares the 21 investing, personal development, and leadership books that helped him find financial freedom at age 36
▼ + stars: | 2023-03-03 | by ( Lisa Kailai Han | ) www.businessinsider.com time to read: +14 min

Today, real estate investor Dave Allred has ownership in over 1,250 units across the country. He shared the 21 books that helped him achieve financial freedom at age 36. These books cover real estate and investing, personal development, business, and leadership. In a recent interview, Allred shared with Insider the 21 books — spanning areas such as real estate, investing, personal development, business, and leadership — that helped him find success. This principle is especially close to Allred's heart, since reverse engineering his financial freedom took a meticulous goal-setting process.

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