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Note that credit card lenders may use many different variations of credit score models when considering your application. Note that credit card lenders may use many different variations of credit score models when considering your application. Note that credit card lenders may use many different variations of credit score models when considering your application. Review: Capital One SavorOne reviewCredit cards for college graduates frequently asked questions (FAQ)What happens to my college credit card when I graduate? If you're new to credit, you can check out Insider's guide to building credit with credit cards to help you improve your credit history faster.

The Citi Premier is offering 80,000 points (worth at least $800), but this elevated bonus won't be around much longer. Citi; InsiderThe Citi Premier® Card has been offering a record-high elevated bonus since last summer, but it's about to end. If you've had your eye on the record-high welcome bonus on the Citi Premier® Card, it's your last chance to apply. Insider's valuations peg Citi ThankYou points as worth 1.6 cents apiece, on average, so this bonus is potentially worth $1,280 in travel. You can find out all the details in our Citi Premier card review.

☆ The tech we couldn’t live without in 2022
▼ + stars: | 2022-12-23 | by ( Cnn Staff | ) edition.cnn.com time to read: +8 min

CNN —Bone conduction headphones, TV streaming devices and Bluetooth speakers are among the tech gadgets topping holiday wish lists this year. Other notable products – ahem, the new 14 Pro and 14 Pro Max – are near impossible to find. Since my move to New York, I’ve had to find all new favorite spots for good food and drinks. – Victor Blackwell, co-anchor of CNN NewsroomHBO MaxNow that I commute home at the ungodly hour of 1 a.m., I lean heavily on my HBO Max app (starts at $9.99 a month). – Samantha Kelly, CNN senior tech writerRev.comI remember being an intern over a decade ago logging half hour long interviews for producers.

So yeah, I’m proud of it,” McConnell said, hailing it as an “extremely important” win for conservatives. He said it’ll mean they no longer “pay a ransom on the domestic side” in order to secure hefty military spending. Senate Majority Whip Dick Durbin, D-Ill.. said he’s “disappointed” in the unequal spending levels but argued that the Kentucky Republican was using his leverage. Senate Majority Leader Sen. Chuck Schumer, D-N.Y., speaks alongside Sens. Democrats say McConnell was pushing for deals due to the rising support in the Democratic Party in recent years to end the filibuster.

☆ Here are the 4 best investing opportunities in 2023, according to the investment chief at Goldman Sachs' $1.8 trillion asset management arm
▼ + stars: | 2022-12-22 | by ( James Faris | ) www.businessinsider.com time to read: +5 min

Goldman Sachs is expecting weaker growth in 2023 as interest rates stay elevated. Here's why the firm is optimistic about emerging markets and willing to invest in China. Instead, the investing chief at GSAM prefers emerging markets equities and debt in 2023. "It's had the trifecta of rising US rates, strong US dollar, and weaker growth," Shah said. Within emerging markets, Shah is most bullish on stocks in Asia, specifically India and China.

It could be the last major bill that passes this year before Republicans seize control of the House on Jan. 3. He has pressured GOP lawmakers to vote against it, forcing Democrats to supply most of the votes to pass it in the House. Capitol Hill leaders decided to attach the election bill and Ukraine aid to ease the process of passage, on the belief that the combined package has the votes to pass. For Republicans, one incentive to pass the bill now is that it funds the military at a higher level than the nondefense budget. “This is a strong outcome for Republicans,” Senate Minority Leader Mitch McConnell, R-Ky., said, arguing that the GOP persuaded Democrats to back down on their long-standing demand for “parity” between the two pots of money.

☆ The Biggest Debates and Opinions in 2022 - The New York Times
▼ + stars: | 2022-12-20 | by ( ) www.nytimes.com time to read: +30 min

Opinion The 22 Debates That Made Us Rage, Roll Our Eyes, and Change Our Minds in 2022Debating is what we do here at Times Opinion. To many, she was an icon: She ruled for 70 years, presided over the transition from empire to commonwealth and served as a living link to the generation that won World War II. (Though Ben Bernanke, a former Fed chairman himself, wrote in The Times that that wasn’t going to happen.) The United States and its European allies poured weapons and aid into Ukraine, but how was this going to end? As 2022 draws to a close, the fighting continues and peace talks look as distant as ever — which probably means that the debates will continue.

☆ Inside the largest mansion for sale in Malibu, going for $58.8 million
▼ + stars: | 2022-12-19 | by ( Ray Parisi | ) www.cnbc.com time to read: +7 min

watch nowThis $58,808,000 mansion overlooking the Pacific Ocean is one of the largest homes for sale in Malibu. The hot neighborhood's top sale closed in October commanding just over $2,500 per square foot, according to public records, way above average for Malibu. After completing the Kaizen House, he listed it in March for $74.8 million — or more than $4,500 a square foot. Here's a look around the $58.8 million Kaizen House:The home's dramatic entrance delivers fire, water, and intricately carved Belgian bluestone walls Simon BerlynHalliday infused the mansion with Indonesian influences that are evident even before stepping inside. Simon BerlynPrimary suite Simon BerlynThe home's upper level includes six ensuite bedrooms, each with its own terrace.

☆ Making the case for anchovies
▼ + stars: | 2022-12-12 | by ( Casey Barber | ) edition.cnn.com time to read: +7 min

Bagna cauda, the Italian dipping sauce made from anchovies, garlic, butter and olive oil, is traditionally served with crudités as an appetizer. Bagna cauda is an Italian dipping sauce for vegetables made from anchovies, garlic, butter and olive oil. Anchovies in pastaFinally, the same strategy of dissolving the umami flavors of anchovies in a sauce comes into play when making a rich and comforting pasta. When buying anchoviesWhen choosing a tin or jar of anchovies, Roman said to make sure the anchovies are oil-packed, salt-cured anchovy fillets, not brined, pickled or whole anchovies. Though the ingredients in each container should be the same — anchovies, salt and olive oil — the fillets will vary in saltiness, taste and texture.

When using a credit card, it's important to pay your balance in full each month, make payments on time, and only spend what you can afford to pay. You can pay rent with it, you can get your oil changed with it, or you can pay your credit card bill with it. You'll be hard-pressed to find a cash-back credit card that offers such a high return on select spending. Alternative: The Citi® Double Cash Card is another wildly popular credit card for all your non-bonused spending. The card earns 1% back when you make a purchase and 1% back when you pay your credit card — giving you effectively 2% back for all your spending.

☆ As Covid cases rise, it's yes to masks, no to mandates
▼ + stars: | 2022-12-08 | by ( Zachary B. Wolf | ) edition.cnn.com time to read: +6 min

The current rise in Covid-19 cases is one leg of a triple threat – a “tridemic,” a “tripledemic” or a “trifecta,” as some news organizations are calling it – along with a bad flu season and an RSV outbreak hitting mainly children. People at higher risk of getting sick should wear masks when there is medium spread, such as in Los Angeles County. “You can count masking, vaccines, boosting, testing – all of that is part of the spectrum of protecting yourself and your family,” Fauci said. But if Covid-19 cases were to increase, a little less than two-thirds of Americans, 65%, said they would wear a mask. This will be the conundrum for public health officials if Covid-19 cases continue along with this “tripledemic” – how to get people to wear masks without trying to make them do it.

On its face, Moore v. Harper, the case being considered by the Supreme Court on Wednesday, deals with whether the North Carolina Supreme Court acted within its rights last year. In 2021, the state's highest court overturned the congressional redistricting maps drawn by the GOP-controlled state Legislature for being gerrymandered along partisan lines. The Independent State Legislature doctrine could open the door to giving state legislators the power to decide, for example, which presidential candidate will receive their state’s Electoral College votes. With the Supreme Court potentially lending their imprimatur to ISL this spring, each state legislative election could put the integrity of our democracy at risk. For those of us who believe in democracy, that means only one thing: We cannot rest on our laurels.

☆ Midterm Elections Produce More States Controlled by One Party
▼ + stars: | 2022-11-30 | by ( Rosie Ettenheim | Randy Yeip | ) www.wsj.com time to read: 1 min

After weeks of uncertainty, New Hampshire Republicans emerged this week with a slim majority in the state House of Representatives following midterm elections. With the GOP retaining control of the state House and Senate and the governorship, New Hampshire brings to 39 the number of states with a governing trifecta—one party holding a majority in both legislative chambers while also occupying the governor’s mansion. It is the most trifectas since 1947. Democrats now hold 17 state trifectas, compared with 22 held by Republicans, after the party flipped legislative chambers in Minnesota and Michigan and governorships in Massachusetts and Maryland. The GOP flipped one governorship, in Nevada, loosening Democrats’ grip on a state where that party maintained control of both legislative chambers.

☆ Democrats’ next big fight: Which state goes first in the 2024 presidential primary
▼ + stars: | 2022-11-17 | by ( Https | Media-Cldnry.S-Nbcnews.Com Image Upload Newscms Alex-Seitz-Wald-Circle-Byline-Template.Jpg | Alex Seitz-Wald | ) www.nbcnews.com time to read: +7 min

With Iowa facing possible eviction from the early states, many expect Democrats to elevate a Midwest state. The DNC’s rules and bylaws committee is scheduled to meet in early December in Washington to discuss the presidential primary schedule. The old system began with caucuses in Iowa, went to the New Hampshire primary, then Nevada and finally South Carolina. This week, Nevada Democrats attempted to leverage their party’s midterm performance into an early state slot — including Sen. Catherine Cortez Masto’s victory that decided the Senate majority. A Democrat working on Nevada’s push said the DNC has laid out criteria for early state consideration and voter access is a top concern.

☆ A record number of parents are missing work due to a 'trifecta' of kids sick with COVID, flu, and RSV. It leaves them vulnerable as a possible recession looms.
▼ + stars: | 2022-11-15 | by ( Jacob Zinkula | ) www.businessinsider.com time to read: +3 min

104,000 Americans missed work in October due to "childcare problems." The record figure was driven by many children falling sick COVID, the flu, or RSV. In October, a record high 104,000 Americans missed work due to "childcare problems," according to Bureau of Labor Statistics data dating back to 2003. KPMG Chief Economist Diane Swonk attributed the record rise to a "trifecta of kids filling ICUs with RSV, flu and out sick to COVID." Have you missed work recently due to childcare needs and are willing to discuss how it has affected your family financially?

☆ This is the best dish you could serve at Thanksgiving
▼ + stars: | 2022-11-14 | by ( Casey Barber | ) edition.cnn.com time to read: +7 min

CNN —As iconic Thanksgiving dishes go, stuffing is likely runner-up only to turkey as the dish most often on the dining table. Classic bread stuffing and variationsA traditional bread and herb stuffing is a fan favorite for many reasons. Think of this basic stuffing recipe as a jumping-off point for bringing more main dish energy to the table (especially if you’re considering a turkey-free or plant-based Thanksgiving this year). In place of meat-based ingredients, nuts, seeds and dried fruit can also bring in flavor and textural interest. Chestnut stuffing was once as popular as oyster stuffing, as the meaty but tender nuts give the dish a subtly earthy and sweet undertone.

☆ The Republican Wipeout in Michigan
▼ + stars: | 2022-11-12 | by ( The Editorial Board | ) www.wsj.com time to read: 1 min

If Florida is an example of a state Republican Party governing well and building a majority, Michigan is the opposite. Wolverine State Republicans suffered an election wipeout Tuesday that leaves them without any legislative power for the first time in decades. Gretchen Whitmer won re-election despite punishing schools closures, and state Democrats gained their first trifecta in about 40 years. Democrats picked up seats in the state Senate, flipping it to 20-18 Democrats from 22-16 Republicans. Republicans had a supermajority in the state Senate and a trifecta only four years ago.

☆ Trump-endorsed Republican Joe Lombardo defeats Gov. Steve Sisolak in Nevada's gubernatorial election
▼ + stars: | 2022-11-12 | by ( Hanna Kang | ) www.businessinsider.com time to read: +4 min

Steve Sisolak was defeated by Republican Joe Lombardo in Nevada's gubernatorial race. (3 Districts) Chevron icon It indicates an expandable section or menu, or sometimes previous / next navigation options. NV-01NV-03NV-04 House Governor Chevron icon It indicates an expandable section or menu, or sometimes previous / next navigation options. Steve Sisolak was defeated by Republican Joe Lombardo in Nevada's gubernatorial election. His opponent, Lombardo, raised $3.7 million, spent $4.7 million, and had $1.8 million on hand, as of September 30.

Every day of the year on the homefront, however, active-duty military families leave behind neighbors and local ties to little fanfare as they relocate to other bases. Right now, military families are not getting enough financial assistance in coping with the cost of constant moves. Since military families move on government orders, they do not have the option of choosing less expensive regions or staying put. Supporting our military families shouldn’t fall solely to the Defense Department, however. Military families are part of our communities, and they need our support.

☆ Right-wing media powerhouses pan Trump amid Republicans' underperformance in the midterms
▼ + stars: | 2022-11-10 | by ( Sonam Sheth | ) www.businessinsider.com time to read: +4 min

Three of the most prominent right-wing media outlets in the US are turning on Trump. Fox News, the NY Post, and WSJ editorial board all published critical pieces about Trump amid Republican underperformance in the midterms. The New York Post published a Thursday cover story mocking "Trumpty Dumpty" for failing to unify the Republican Party. The Wall Street Journal's editorial board followed suit, publishing a piece Thursday calling Trump the GOP's "biggest loser." The WSJ editorial board blamed Trump for having "botched" the 2022 midterms, adding that "it could hand Democrats the Senate for two more years."

☆ Live Results: Gov. Steve Sisolak faces off against Trump-endorsed Republican Joe Lombardo in Nevada's gubernatorial election
▼ + stars: | 2022-11-09 | by ( Hanna Kang | ) www.businessinsider.com time to read: +4 min

Steve Sisolak ran against Republican Joe Lombardo in Nevada's gubernatorial race. (3 Districts) Chevron icon It indicates an expandable section or menu, or sometimes previous / next navigation options. NV-01NV-03NV-04 House Governor Chevron icon It indicates an expandable section or menu, or sometimes previous / next navigation options. Steve Sisolak faced off against Republican Joe Lombardo in Nevada's gubernatorial election. His opponent, Lombardo, had raised $3.7 million, spent $4.7 million, and had $1.8 million on hand, as of September 30.

☆ Live Election Results: Oregon State Legislature
▼ + stars: | 2022-11-08 | by ( Madison Hall | ) www.businessinsider.com time to read: +2 min

Polls close in the state at 8 p.m. local time. Given the state has multiple timezones, the first polls close at 10 p.m. EST and the last polls close at 11 p.m. EST. It symobilizes the 2022 Election. Given the state has multiple timezones, the first polls close at 10 p.m. EST and the last polls close at 11 p.m. EST. Oregon House of Representatives election results:Oregon Senate election results:

☆ Live Election Results: Texas State Legislature
▼ + stars: | 2022-11-08 | by ( Madison Hall | ) www.businessinsider.com time to read: +2 min

Polls close in the state at 7 p.m. local time. Given the state has multiple time zones, the first polls close at 8 p.m. EST and the last polls close at 9 p.m. EST. The Texas House and Senate are currently under Republican control and are not seen as particularly competitive. Given the state has multiple time zones, the first polls close at 8 p.m. EST and the last polls close at 9 p.m. EST. Texas House of Representatives election results:Texas Senate election results:

☆ Live Election Results: Florida State Legislature
▼ + stars: | 2022-11-08 | by ( Madison Hall | ) www.businessinsider.com time to read: +2 min

Polls close in the state at 7 p.m. local time. Given the state has multiple timezones, the first polls close at 7 p.m. EST and the last polls close at 8 p.m. EST. This cycle, all 40 of the seats in the Florida State Senate are up for election, and Republicans currently control the chamber by a margin of 7 seats. Given the state has multiple timezones, the first polls close at 7 p.m. EST and the last polls close at 8 p.m. EST. Florida House of Representatives election results:Florida Senate election results:

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