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☆ Democratic Rep. Tom Malinowski faces dimming prospects against Republican Thomas Kean Jr. in New Jersey's 7th Congressional District rematch
▼ + stars: | 2022-11-06 | by ( Dave Levinthal | Madison Hall | ) www.businessinsider.com time to read: +5 min

Democratic Rep. Tom Malinowski looks to retain his seat in New Jersey's 7th Congressional District against Republican Thomas Kean Jr. The state's 7th District covers all of Hunterdon County and sections of Warren, Morris, Somerset, Union, and Essex Counties as well. New Jersey's 7th Congressional District candidatesThis race is a rematch of 2020, when Malinowski defeated Kean by about 5,000 votes — or 1.2 percentage points. Thomas H. Kean, Sr.Voting history for New Jersey's 7th Congressional DistrictThe state's 7th District covers all of Hunterdon County and sections of Warren, Morris, Somerset, Union, and Essex Counties as well. What experts sayThe Cook Political Report rates New Jersey's 7th Congressional District race as "lean Republican".

MIDLAND, Mich. — The closing days of Michigan’s midterm elections for governor and other statewide offices have erupted into a scramble, with tightening polls, hostile tones and dire warnings from both parties. “As the state of Michigan goes, so goes the whole country, and as the United States of America goes, so goes the globe,” Democratic Gov. “It’s really about power for them,” Dixon said Wednesday night at a rally here in Midland. “I will always follow the Constitution,” Dixon told reporters after her rally in Midland. “So we got six days, six more days.

Already fighting from behind, Democrats' chances of keeping the House have slipped further in the last month. In a letter to Democratic colleagues on Thursday, House Speaker Nancy Pelosi called on House members to make a point of defending their record on crime. Republican groups including Citizens for Sanity, headed by former aides to Trump, poured money in recent weeks into ads criticizing Democrats as weak on crime and illegal immigration. In a Reuters/Ipsos poll released Tuesday, respondents were twice as likely to list crime, rather than abortion rights, as the country's biggest problem. Shield PAC, a Third Way-affiliated political action committee, launched ads on Monday promoting the law enforcement records of Virginia's Elaine Luria and Minnesota's Angie Craig, both endangered Democrats.

LONDON, Oct 27 (Reuters) - Germany, considered Europe's most reliable debtor, is having trouble selling its bonds, just as it seeks billions to tackle the energy crisis. Hit hard by its over-reliance on Russian energy, Germany intends to borrow particularly large amounts in the coming years, with Parliament last week voting to suspend the constitutional debt brake that limits new borrowing. France's finance agency, in contrast, issued 10 billion euros of medium term bonds on Oct. 20 into strong demand. VOLATILITY HURTS AUCTIONSThe uncertainty around borrowing and QT has increased volatility in euro zone bond markets, already rocked by the knock-on effects from Britain's now-scrapped plans for large unfunded tax cuts. Volatility is deterring the banks that act as dealers for German bonds from bidding in debt auctions, Tammo Diemer, head of the country's finance agency, said at an event on Tuesday.

☆ Wealthy people are splurging on bucket-list trips, flying to the Arctic Circle for private-chef-catered meals, renting out African safari lodges, and spending $300,000 for a half-hour opera serenade
▼ + stars: | 2022-10-25 | by ( Zoe Rosenberg | ) www.businessinsider.com time to read: +7 min

Hard-to-access places like the Arctic Circle and Galapagos Islands are bucket-list travel hot spots. These well-off wanderlusters have helped create a travel-industry boom, with pent-up demand pushing bucket-list travel into this year's shoulder seasons. American Express Travel's 2022 Global Travel Trends report, which used polling data collected in early February 2022, confirms the move toward bucket-list travel this year. Quality time with loved ones matters above allBut not all bucket-list travel experiences need to be in far-flung corners of the world. Finnegan said traveling with his family made it a bucket-list trip.

☆ Netflix wants more shows like 'Emily in Paris' and a female 'Jack Ryan.' Disney+ is looking for the next 'Nashville.' Here are the series top streamers are seeking from Hollywood.
▼ + stars: | 2022-10-20 | by ( Elaine Low | ) www.businessinsider.com time to read: +2 min

Insider spoke with agents and Hollywood insiders about what new series Netflix, HBO Max, and more streamers are looking for. Netflix wants more "Emily in Paris" and a major reality talent competition show like "The Voice." As the streaming wars continue, developing shows that appeal to new subscribers is key. Programming choices, from the company's decision to scrap feature film "Batgirl" to paring down its kids and animated TV library, have been affected. Apple TV+ is known for being a big spender, while Amazon Studios recently plunked down the largest sum in history on a single TV series with its $1 billion bet on "Lord of the Rings" prequel "The Rings of Power."

I lost touch with the day-to-day of my family's finances after having two kids. I have more agency now, and my husband and I are having great weekly conversations about our money. Sure, I was well-versed in our investment strategy, long-term financial goals, and credit usage, but that's about it. We both check balances daily, make sure bills are paid, and ensure we're on track with our monthly investment contributions. We started having weekly money meetings, making sure we were on track with our financial obligations and spending.

☆ With Russia lurking on NATO's southern flank, Italy is working on new jets and new carriers to keep an eye on things
▼ + stars: | 2022-10-11 | by ( Benjamin Brimelow | ) www.businessinsider.com time to read: +7 min

Protecting NATO's southern flankAn Italian soldier stands guard at NATO's Joint Force Command in Naples in March 2011. MARIO LAPORTA/AFP via Getty ImagesWhile often overshadowed by Europe's other major military powers, Italy is an important part of NATO's defense posture. Russian navy ship Veliky Ustyug at Russia's base in Tartus, Syria in September 2019. US Navy/MCS3 Crayton AgnewItaly's air force and navy both operate the F-35B, the short-takeoff-and-vertical-landing version of the F-35. Italian navy and air force F-35s have already operated together aboard Cavour.

For Love & Money is a biweekly column from Insider answering your relationship and money questions. This week, a reader who gets an "allowance" from her husband asks how to tell him it's unfair. Write to For Love & Money using this Google form. Your use of the word "allowance" tells me this is not the underlying assumption of the financial system your husband currently has in place. Rooting for you,For Love & Money

If you're trying to earn World of Hyatt elite status before the end of the year, the new offer on the Hyatt Business credit card could be just the ticket. World of Hyatt; InsiderThe World of Hyatt Business Credit Card got updated with a new bonus and extension of its earning accelerator. Here's what to know about all the changes to the World of Hyatt Business Credit Card to help you decide if you should apply. If you're interested in earning Hyatt points but don't have a small business, you could consider the personal The World Of Hyatt Credit Card instead. Here's our review of the Hyatt credit card for all the details, and a comparison of the World of Hyatt and Hyatt Business card to see which is better for you.

See Rates & FeesSmall-business owners who fly Delta often should consider the Delta SkyMiles® Reserve Business American Express Card. American Express issues seven co-branded Delta credit cards, and the Delta SkyMiles® Reserve Business American Express Card is the most premium small-business version. Delta Reserve Business benefits and featuresAs a premium card, the Delta SkyMiles® Reserve Business American Express Card offers a wide range of benefits that can help offset its substantial annual fee. Delta Sky Club airport lounge accessThe Delta SkyMiles® Reserve Business American Express Card's most compelling benefit is Delta Sky Club airport lounge access. So if you have or had other Delta cards, like the personal Delta SkyMiles® Reserve American Express Card or another Delta business card like the Delta SkyMiles® Platinum Business American Express Card, you're still eligible to apply and earn the bonus from the Delta SkyMiles® Reserve Business American Express Card.

☆ A surprisingly hard part of retirement: Spending what you worked so hard to save
▼ + stars: | 2022-10-03 | by ( Jeanne Sahadi | ) edition.cnn.com time to read: +6 min

For some it’s almost physically painful,” said David John, a senior strategic policy advisor at the AARP Public Policy Institute. But unpredictable factors like market performance, life expectancy and health issues make spending your money easier said than done, John said. Changing your mindset is crucialCertified financial planner Kyle Newell reminds clients that the savings they worked so hard to amass is there to help them live well in retirement. And he also advises clients to go easy on themselves and view their first year in retirement as a learning experience when it comes to spending. “You really need to know ‘What are my assets and spending patterns and how do I harmonize the two?’” John said.

Mourners offer flowers at the altar outside Nippon Budokan Hall which will host a state funeral for former Prime Minister Shinzo Abe in Tokyo, Japan September 27, 2022. REUTERS/Issei KatoTOKYO, Sept 27 (Reuters) - Two months after he was assassinated, Shinzo Abe is still stirring controversy, evidence of how the polarising former premier's legacy is shaping Japanese politics on everything from defence to monetary policy. Japan's longest-serving prime minister was a divisive figure who was dogged by scandals. That's a reflection of how Abe transformed both the LDP and Japan's policy landscape, experts say. That could mean more of the ultra-loose policy and fiscal stimulus set in motion under "Abenomics".

I joined the Air Force after two years of college and being nowhere close to a degree. Chevron icon It indicates an expandable section or menu, or sometimes previous / next navigation options. Rewards Chevron icon It indicates an expandable section or menu, or sometimes previous / next navigation options. $95 *Waived for existing Honors Advantage Members Rewards Chevron icon It indicates an expandable section or menu, or sometimes previous / next navigation options. $0 Rewards Chevron icon It indicates an expandable section or menu, or sometimes previous / next navigation options.

☆ European governments spend half a trillion euros on energy crisis - report
▼ + stars: | 2022-09-21 | by ( Kate Abnett | ) www.reuters.com time to read: +2 min

Months of surging prices have seen governments roll out measures to curb retail power prices, slash energy taxes and give subsidies to bill-payers. If the cash governments have earmarked to nationalise, bail out or provide loans to ailing energy utilities was included, then EU governments have spent closer to 450 billion euros, the think-tank said. "Governments with more fiscal space will inevitably better manage the energy crisis by outcompeting their neighbours for limited energy resources over winter months." Germany, the EU's biggest economy, is by far the biggest spender in the bloc - setting aside 100 billion euros, versus 59 billion euros in Italy, or 200 million euros in Estonia, for example. The EU last week proposed bloc-wide measures to respond to sky-high energy prices, in a bid to overlay the patchwork of national responses with a coordinated reaction.

Netflix's new documentary "Get Smart With Money" features Ariana, a mom of 2 with $45,000 in credit card debt. One mentee, Ariana, is a mom of two who has $45,000 in credit card debt and over $100,000 in student loans. After 9 months, her credit card balances were down to $16,000Using the automatic paycheck split to separate her money, Ariana was able to pay off $19,000 in credit card debt, with $26,000 left to go. "Credit card debt is cancerous," warns Aliche, as she encourages Ariana to wean herself off of them completely and only spend from her debit card. After a year, Ariana had just $5,000 in credit card debt leftAt the one-year mark, according to the documentary, Ariana only had $5,000 in credit card debt left.

Insider's experts choose the best products and services to help make smart decisions with your money (here’s how). "Get Smart with Money" is a new money-focused documentary on Netflix. Aside from being a good watch, "Get Smart with Money" shares six smart lessons anyone can use to improve their finances. Earning more can mean spending more"Get Smart with Money" follows John and Kim, a married couple with two children. The couple set their sights on early retirement, and with the help of Mr. Money Mustache, cut $3,000 per month in expenses.

The Chase Freedom Unlimited® and Discover it® Miles fit this bill, earning at least 1.5x rewards on spending — and neither charges an annual fee. Compare the Freedom Unlimited and Discover it Miles Chase Freedom Unlimited®Discover it® Miles Chevron icon It indicates an expandable section or menu, or sometimes previous / next navigation options. Here's what to know to help decide whether the Chase Freedom Unlimited® or Discover it® Miles is a better fit for your wallet. Benefits and featuresBetween the Chase Freedom Unlimited® and Discover it® Miles, one card is a clear winner when it comes to benefits. Yes No Review Chase Freedom Unlimited card review Discover it Miles card reviewBottom lineIf you have to choose just one card, the Chase Freedom Unlimited® is the right pick for most people.

Our experts choose the best products and services to help make smart decisions with your money (here's how). Now, I spend $725 a month on lawn care, housecleaning, and meal kits, and I wish I'd done it sooner. They taught me that you don't spend money you don't have, a rule I took so seriously I never had a single cent of consumer debt to my name (not even student loans). Spending money this way has given me back a lot of mental space, energy, and hours in the day. This is where spending money looks more like an investment than a waste of funds.

Persons: —, I'd, who'd, I've, I'm, spender Organizations: Service Locations: Wall, Silicon

☆ The Ultimate Travel Card for Serious Travelers
▼ + stars: | 2022-06-27 | by ( Ana Staples | ) www.wsj.com time to read: +8 min

Those generous rewards, along with its $395 annual fee (relatively modest for a premium travel card) make this card Buy Side from WSJ’s pick for Best Travel Rewards Card for Heavy Travelers. The $300 annual travel credit and the 10,000-mile annual bonus (worth $100 in travel) more than make up for the $395 annual fee. Note that (unlike when you redeem miles for recent travel) you need to book through Capital One Travel to receive the travel credit. If you tend to carry a balance, a rewards credit card may not be a good idea for you. The launch of the Venture X in 2021 made Capital One a serious player in the luxury travel card space.

Persons: Ana Staples, spender, you’ll, Hertz, Nilson Organizations: Card, Capital, Travelers, Venture, Venture X, American Express, Chase, Chase Reserve, Survey, Hertz Locations: Capital, U.S, Hertz.com

☆ The Chase Sapphire Preferred card offers a 10% points bonus on your account anniversary, but it's not as lucrative as it sounds
▼ + stars: | 2021-12-30 | by ( Joseph Hostetler | Sarah Silbert | Credit Cards Reporter | ) www.businessinsider.com time to read: +11 min

The Chase Sapphire Preferred® Card offers a 10% anniversary points boost each year you renew your card. How does the Chase Sapphire Preferred 10% points bonus work? More Information Earn 80,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. Read our review Read Our Review A looong arrow, pointing rightThe Chase Sapphire Preferred comes with a 10% anniversary points bonus! Log into the Chase Travel PortalHead to the Chase Travel Portal and choose your Chase Sapphire Preferred account.

My husband's a spender and I'm a saver, and that dynamic has caused fights in our 14 years together. We've developed three rules that help us discuss money and build wealth, starting with honesty. But for the majority of us, the straightforward route to sharing life's burdens with our partners means sharing everything. And that's the thing about sharing finances: Everyone feels bad all the time. Being a saver means my husband is always wary of potential financial hardships.

Persons: We've, spender, I've, Scrooge, they're Organizations: Service, Mutual Locations: Wall, Silicon

But instead, I've been buying index funds. And ... more index funds. I'm buying new stocks instead of splurging on stuffI'm no stranger to shopping or nights out and about. I'm investing little by littleInstead of spending $50 on drinks here, or $70 on dinner there (you guys, city life can be expensive), I'm buying stocks and index funds. For instance, in April 2020, I bought about $2,000 worth of index funds in three transactions.

Persons: I'd, we've, I've, —, We've, spender, I'm Organizations: Service

Though some studies indicate that couples who combine finances are happier, many younger couples are opting to keep things separate. Here are eight reasons why couples should consider combining finances, and why this idea isn't as old-fashioned as you may think. The average interest rate for a savings account is 0.09% APY, though there are many online banks with savings programs that have a much higher interest rate. Communicate more up front about your financial goals and values with your current partner to make sure you're both on the same page." Combining finances from the beginning and having regular check-ins about your finances can prevent the surprises that lead to conflict.

Persons: —, Amanda Clayman, Sherri Newpol, Clayman, Brian Face, spender, you'll Organizations: Research, Service, Prudential, Newpol Psychological

Our experts choose the best products and services to help make smart decisions with your money (here's how). My husband is a saver and I'm a spender, but in almost a decade of marriage, we've come up with five strategies that help us balance those impulses. We keep a budget and designate a certain amount of spending money for each month, and we review our bank statements and credit card bills together monthly. It takes effort, communication, and help from the best financial advisor, but we've figured out a way to make it work. I'll update him on freelance projects I'm working on and how much money I'm expecting to come in, and he'll highlight (sometimes to my chagrin) ways we've overspent in the last month.

Persons: spender, we've, —, I'm, We've, it's, I'd, It's Organizations: Service

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