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☆ This Is How A.I. Ruins the Internet - The New York Times
▼ + stars: | 2023-09-23 | by ( Julia Angwin | ) www.nytimes.com time to read: +1 min

Greg Marston, a British voice actor, recently came across “Connor” online — an A.I.-generated clone of his voice, trained on a recording Mr. Marston had made in 2003. Of course, at that time, Mr. Marston couldn’t envision that IBM would use anything more than the exact utterances he had recorded. Mr. Marston recently discovered his voice emanating from the Wimbledon website during the tennis tournament. Hollywood writers and actors are on strike partly because they want to ensure their work is not fed into A.I. News outlets including The New York Times and CNN have added files to their website to help prevent A.I.

Persons: Greg Marston, “ Connor, Marston, Marston couldn’t Organizations: IBM, Wimbledon, New York Times, CNN Locations: British

☆ The era of America's subminimum wage for tipped restaurant workers may be ending
▼ + stars: | 2023-09-23 | by ( Tim Mullaney | ) www.cnbc.com time to read: +12 min

After a months-long public campaign that began shortly after Mayor Brandon Johnson (right) took office in May, advocates reached a deal with restaurant industry lobbyists to phase out the tipped-minimum wage over five years. "The closest pending victory is in Chicago," said Saru Jayaraman, founder and president of the advocacy group One Fair Wage. Three-fourths said they would reduce the number of tipped workers on their payroll, and nearly half said the cuts would be significant. The $9.48 an hour wage most workers got cost the restaurant $5,449.61, he said, a fraction of the $17,198 in tips workers earned. That's one reason why the restaurant industry engaged in a kind of bidding war against itself, to find a compromise solution that politicians like Alderman Carlos Ramirez Rosa, Johnson's floor manager in the City Council, would buy.

Persons: Brandon Johnson, Scott Weiner, Covid, Hornick, Danny Meyer, Meyer, Chicago –, Saru Jayaraman, Michael Hornick hasn't, Callahan, That's, Weiner, Rick Rick Bayless, Topolobampo, Bayless, He's, –, We've, We're, Johnson —, Democratic Socialist Alliance —, Alderman Carlos Ramirez Rosa, Sam Toia, Rosa Organizations: U.S . Department of Labor, Chicago, Illinois Restaurant Association, City Council, Chicago's, Wrigley, Farm, Frontera Grill, Michelin, Covid, Bar, Frontera, Frontera Group, Democratic Socialist Alliance, Chicago Sun, Times, Times , Illinois Restaurant, CNBC, Sun Locations: downtown, Chicago, York, Covid, Lakeview, Evanston, Frontera, Johnson's, City, Times ,

☆ Billionaire investor Bill Gross warns of more pain for bond investors with fixed-income on track for unprecedented 3-year slump
▼ + stars: | 2023-09-22 | by ( Zahra Tayeb | ) www.businessinsider.com time to read: +2 min

Billionaire investor Bill Gross warned the bond market is headed for a record third year of losses. "I think that bonds are headed for a third straight year of losses and that portfolios should own more pipeline MLPs," Gross said. download the app Email address By clicking ‘Sign up’, you agree to receive marketing emails from Insider as well as other partner offers and accept our Terms of Service and Privacy PolicyAdvertisementAdvertisementBillionaire investor Bill Gross warned of more pain for bond investors as US fixed-income assets head for an unprecedented three-year slump. AdvertisementAdvertisementGovernment bond yields surged Thursday after the Federal Reserve kept interest rates unchanged at 5.25%-5.5%, and signaled borrowing costs will remain higher for longer. According to Gross, "the 10 year Treasury is already priced for a 2% inflationary world."

Persons: Bill Gross, Gross Organizations: Service, Federal Reserve Locations: Wall, Silicon

NEW YORK (AP) — Along with such classics as “In Cold Blood” and “Breakfast at Tiffany's,” Truman Capote had a history of work left uncompleted and unpublished. “I am so happy to be writing stories again — they are my great love," he wrote to a friend. She’d trusted him to the extent of her capital: let him sell her the land, allowed him to build the villa, supply, at pirate prices, the native paraphernalia that furnished it,” Capote wrote. Thomas Fahy, author of “Understanding Truman Capote,” says that the author likely related to Iris Greentree's sense of displacement and alienation. “You could see how his life became very lonely and isolated.”The Strand has published rare works by Ernest Hemingway, John Steinbeck and many others.

Persons: ” Truman Capote, Capote, “, Fontana Vecchia, Lawrence, Miriam, ”, —, Iris Greentree, Signor Carlo Petruzzi, Carlo, She’d, ” Capote, who’d, Thomas Fahy, Truman Capote, Iris Greentree's, ” Fahy, Ernest Hemingway, John Steinbeck, Andrew Gulli, Fahy, Gerard Clarke, Jack Dunphy, Clarke, Fontana, “ Blond Organizations: Magazine, of Congress Locations: New York City, Taormina, Sicily, D.H, Europe, American, “, Belle Vista, New York, New Orleans, Alabama, Connecticut, Monroeville , Alabama, Italy, America

LOS ANGELES (AP) — The average long-term U.S. mortgage rate edged up again this week, another setback for would-be homebuyers navigating an increasingly less affordable housing market. The average rate on the benchmark 30-year home loan rose to 7.19% from 7.18% last week, mortgage buyer Freddie Mac said Thursday. The average rate rose to 6.54% from 6.51% last week. Mortgage rates have been echoing moves in the 10-year Treasury yield, which lenders use as a guide to pricing loans. The average rate on a 30-year mortgage is now more than double what it was two years ago, when it was just 2.88%.

Persons: Freddie Mac, ”, Lisa Sturtevant Organizations: ANGELES, Bright MLS, Treasury, Federal Reserve, Federal, U.S, National Association of Realtors Locations: It’s, U.S

LOS ANGELES (AP) — Sales of previously occupied U.S. homes fell for the third month in a row in August, as higher mortgage rates, rising prices and a dearth of properties on the market shut out many would-be homebuyers. Would-be homebuyers are also seeing their purchasing power diminish as mortgage rates push higher. Mortgage rates have been echoing moves in the 10-year Treasury yield, which lenders use as a guide to pricing loans. The yield has been climbing amid expectations that the Federal Reserve will keep short-term interest rates higher for longer to fight inflation. “It's possible mortgage rates may go up to 8% in the short run,” Yun said.

Persons: ”, Lawrence Yun, Yun, Freddie Mac, “, ” Yun Organizations: ANGELES, National Association of Realtors, “, Buyers, NAR, Treasury, Federal Reserve, Federal Locations: U.S, It’s

☆ Fed policymakers see 5.1% policy rate at end of 2024
▼ + stars: | 2023-09-20 | by ( ) www.reuters.com time to read: +2 min

That's according to the median of 19 forecasts included in the latest quarterly summary of Federal Reserve policymaker projections published on Wednesday, alongside the Fed's decision to leave its policy rate unchanged in a range of 5.25%-5.50%. Fed officials now see the personal consumption expenditures price index at 3.3% at year end, versus June's forecast of 3.2%, falling to 2.5% by the end of next year, compared with 2.5% seen in June. Fed officials expect further reductions in the policy rate as well, to 3.9% by the end of 2025 - above the 3.4% they projected in June - and to 2.9% by the end of 2026. That would still be above the 2.5% they continue to see as the long-run neutral policy rate - the level of borrowing costs that neither slows nor stimulates a healthy economy. Meanwhile the unemployment rate - which is currently at 3.8% - is seen peaking at 4.1% in 2024 - and remaining there for 2025 - versus the 4.5% high-water mark seen in June.

Persons: Ann Saphir, Dan Burns, Andrea Ricci Organizations: Fed, Thomson

CNN —House Democrats have begun internal discussions about how to deal with the prospects of a chaotic situation: The possibility that Speaker Kevin McCarthy could lose his job in an unprecedented vote on the floor. One of the strategies being discussed by Democrats is to vote “present” or vote to kill it all together if a motion to oust McCarthy is brought to the floor. Bacon warned that he would cut a deal with Democrats if they reach an impasse with conservative hardliners. Democrats considering bailing out McCarthy say it wouldn’t necessarily stop there. If McCarthy were challenged, it may only take a handful of Democrats to save him.

Persons: Kevin McCarthy, McCarthy, Hakeem Jeffries, he’d, McCarthy’s speakership, Jeffries, Dan Kildee of, “, Kevin can’t, –, ”, Joe Biden –, you’re, ” It’s, Matt Gaetz, Gaetz, Don Bacon, Bacon, Biden, Debbie Wasserman Schultz, Dean Phillips, you’d, Paul Ryan, John Boehner –, Richard Neal of, ” Rep, Mary Gay Scanlon Organizations: CNN — House Democrats, Publicly, Democratic, ” Democratic, CNN, GOP, Democrats, Freedom Caucus, Republican, Republicans, Capitol, House, Florida, Dean Phillips of, Richard Neal of Massachusetts, ”, Pennsylvania Locations: Dan Kildee of Michigan, Florida, Nebraska, Dean Phillips of Minnesota

☆ What Fed Rate Moves Mean for Mortgages, Credit Cards and More
▼ + stars: | 2023-09-20 | by ( Tara Siegel Bernard | More About Tara Siegel Bernard | ) www.nytimes.com time to read: +1 min

Policymakers at the Federal Reserve will announce their latest decision on interest rates on Wednesday, after a series of increases squeezed the budgets of debt-laden Americans and rewarded those with money to stash in savings. The Federal Reserve has raised its benchmark rate, the federal funds rate, to a range of 5.25 to 5.5 percent to rein in inflation, which recently sped up as gas prices rose. Prices remain elevated, leading the Fed to keep rates high for a prolonged period of time. That means the cost of credit cards and mortgages may remain relatively high, making it more difficult for people who want to pay down debt — as well as those who want to take out new loans to renovate their kitchen or buy a new car. “We were very spoiled for a while with low rates, and that lulled us into a false sense of security in terms of what the true cost of debt can be,” said Anna N’Jie-Konte, president of Re-Envision Wealth, a wealth management firm.

Persons: ”, Anna N’Jie Organizations: Federal Reserve, Federal, Fed, Re

Sept 19 (Reuters) - Bitcoin isn't the only asset experiencing a late summer slump. It has shrunk by almost a tenth this year, standing at $124.4 billion as of Sept. 14. A jump in the dollar index on interest rate hikes last year was accompanied by a big rise in stablecoin volumes, he added. Yet all is not equal: Dollar-pegged Tether, the biggest stablecoin, is bucking the losing trend. Reporting by Hannah Lang in Washington; Editing by Michelle Price and Pravin CharOur Standards: The Thomson Reuters Trust Principles.

Persons: James Butterfill, CoinGecko, Paolo Ardoino, Paxos, USDC, TerraUSD, Dante Disparte, it's, Hannah Lang, Michelle Price Organizations: U.S ., New York Department of Financial Services, U.S, Silicon, Bank —, Thomson, Reuters Locations: South America, Central Asia, U.S, Washington

Prime Minister Justin Trudeau said on Thursday he had invited the heads of Canada's five largest grocery chains, including Sobeys (EMPa.TO), Metro (MRU.TO) and Loblaw (L.TO), to Ottawa next week to discuss how they planned to control sky-rocketing food prices. Trudeau's move comes when governments across the globe, especially in Europe, have expressed concern over soaring food prices as they seek to address a cost-of-living crisis that has intensified after the pandemic subsided and since the Russia-Ukraine war began. However, after a similar move from the French government in June, analysts were skeptical about Trudeau's warning. They argued it was a "political" tactic and might be ineffective in lowering lingering food inflation. "Both PM Justin Trudeau and François-Philippe Champagne (Canada's industry minister) spoke tough about this topic and it is difficult to envision what teeth they have to hold grocers accountable," said Ben Jang, portfolio manager at Nikola Wealth.

Persons: Justin Trudeau, Trudeau's, François, Philippe Champagne, Ben Jang, Michael Ashley Schulman, Allan Small, Granth Vanaik, Pooja Desai Organizations: Metro, Loblaw, Nikola Wealth, Running, Capital Advisors, iA, Wealth, Carrefour, Lipton, Nestle, PepsiCo, Unilever, Thomson Locations: Ottawa, Europe, Russia, Ukraine, Bengaluru

☆ Analysts left Microsoft's AI event feeling even more bullish about the stock
▼ + stars: | 2023-09-14 | by ( Samantha Subin | ) www.cnbc.com time to read: +2 min

Commentary and demonstrations from Microsoft 's recent AI-focused Envision event are giving Wall Street more reasons to get bullish on the technology giant. At the event held in New York on Wednesday, Microsoft highlighted generative artificial intelligence solutions and capabilities, including its Copilot subscription service. The company announced pricing earlier this year for the product, which adds AI capabilities to Microsoft's Office suite. Other Wall Street analysts also reiterated their buy ratings on shares, including Citi's Tyler Radke and Goldman Sachs analyst Kash Rangan. A growing backlog in AI product demand should convert to more paying users as enterprises hunt for "high-[return on investment], quick time-to-value solutions," he added.

Persons: OpenAI, Gregg Moskowitz, Citi's Tyler Radke, Goldman Sachs, Kash Rangan, Rangan, — CNBC's Michael Bloom Organizations: Microsoft, Wall Locations: New York, ChatGPT

☆ Crypto regulation: A 'principles-based' approach is best, CFTC says
▼ + stars: | 2023-09-12 | by ( ) www.cnbc.com time to read: 1 min

Share Share Article via Facebook Share Article via Twitter Share Article via LinkedIn Share Article via EmailCrypto regulation: A 'principles-based' approach is best, CFTC saysCaroline Pham, commissioner of the Commodity Futures Trading Commission, says such a framework means "you don't have to envision every possible permutation of what a future product or market might look like … instead, you want to ensure that we are adhering to basic standards."

Persons: Caroline Pham Organizations: Futures Trading Commission

☆ Pet euthanasia rates are at a 3-year high, but experts say there are ways to help besides adoption
▼ + stars: | 2023-09-12 | by ( Kelly Burch | ) www.businessinsider.com time to read: +7 min

So far this year, 8.5% of animals that enter the shelter system have been euthanized. But Scout's happy ending is out of reach for too many shelter animals, as national euthanasia rates for shelter pets have climbed to a three-year high, according to Shelter Animals Count. While the percentages may seem small, with an estimated 6.3 million animals moving through the shelter system each year, they add up. SAC is working on a more scientific approach to tracking euthanasia rates to help clarify the large range, Filer said. Donate: More resources help shelters save more lives, so donations are always appreciated, Castle said.

Persons: That's, Scout, Stephanie Filer, Filer, that's, Foster, Julie Castle, Christa Chadwick, Aliza, Eliazarov Organizations: Service, Scout, Detroit Free Press, Animals, SAC, American Society for, Animal Society, Best, Volunteers, New Hampshire Society for, Meadow Brook Medical Care Locations: Wall, Silicon, Michigan, Texas , California, North Carolina , Florida, Louisiana, Meadow Brook

☆ Citi says favorable setup for this Big Tech stock should send it higher in the next 90 days
▼ + stars: | 2023-09-11 | by ( Hakyung Kim | ) www.cnbc.com time to read: +2 min

There's a "rich" catalyst path ahead for Microsoft shares, according to Citi. The firm initiated a positive 90-day catalyst watch on Microsoft shares. While the tech giant's stock is up nearly 40% year to date, it has lagged on a relative basis since it issued disappointing quarterly revenue guidance in July. Microsoft shares have declined 5% since, while other shares in its peer group have gained 4.9%. Radke's initial read on fiscal first-quarter earnings is more positive owing to inputs on cloud consumption trends and stabilization in the PC market.

Persons: Tyler Radke, Radke, — CNBC's Michael Bloom Organizations: Microsoft, Citi, CoPilot

☆ An auto strike looks likely. Should I buy a car now?
▼ + stars: | 2023-09-10 | by ( Peter Valdes-Dapena | ) edition.cnn.com time to read: +5 min

CNN —If you’re thinking about buying a new car, you might be warily watching news about a possible United Auto Workers strike. It depends on the vehicle you’re shopping for and on your own level of flexibility in that choice. New vehicle inventories are leaner than they’ve been before past strikes, said Pat Ryan, CEO of the car shopping site CoPilot, which closely tracks dealership inventories. So vehicle production at Mexican and Canadian factories could well shut down at some point if a strike drags on. In some ways, you might find this all somewhat similar to car shopping during the era of post-covid vehicle shortages, said Ryan.

Persons: Pat Ryan, —, “ They’ve, ” Ryan, Stellantis, Ryan, that’s, ”, Ivan Drury, Michelle Krebs, Thomas Goldsby, Stellantis’s, GM’s, “, you’re Organizations: CNN, United Auto Workers, Motors, Ford, Toyota, Honda, Hyundai, Chevrolet, GM, Dodge, GMC, Edmunds.com, AutoTrader, Ford Bronco, UAW, University of Tennessee, Factories, Chevrolet Trailblazer, Trax, Auto Locations: American, Mexico, Canada, United States, North America, South Korea, Italy, China

☆ Where to stay in India? Here are 8 former palaces that are now hotels
▼ + stars: | 2023-09-08 | by ( Poonam Binayak | Lisa Lucas | ) www.cnbc.com time to read: +7 min

Source: Heritage DharampuraIt's now a 14-room boutique hotel, which received an honorable mention in 2017's UNESCO Asia-Pacific Awards for Cultural Heritage Conservation. It was transformed into a heritage hotel in the 1960s and is now impeccably managed by the Taj Group. Taj Lake Palace Source: Taj Lake PalaceStraight out of a fairy tale, the Taj Lake Palace boasts domed pavilions, ornamental turrets, crystal chandeliers, and 83 antique-filled rooms and suites, some which overlook a gleaming courtyard that hosts nightly folk dances. Source: Taj Usha Kiran PalaceToday, it's a lavish Taj hotel that balances old-world vibes with contemporary style. It is now a heritage hotel managed by the Taj Group.

Persons: Jehan Numa, Jehan, Palace, General Obaidullah Khan, Vijay Goel, James Bond, Taj Falaknuma, —, Taj Usha Kiran, it's, King Charles , Louis Mountbatten, Jacqueline Kennedy, Bhanj Deo, There's Organizations: UNESCO, Cultural Heritage Conservation, Taj, Taj Group, Royal, Rambagh, Jaipur, Cochin — Locations: India, Odisha, Rajasthan, Bhopal, Dharampura, Delhi, UNESCO Asia, Jama Masjid, Old Delhi, Udaipur, Pichola, Mewar, Taj Lake, Lake, lavishness, Falaknuma, Nizam, Hyderabad, Windsor, Gwalior, Rambagh, Jaipur, Baripada, Chittoor Kottaram, Kochi, Chittoor, —, Cochin

☆ Why business partnerships are vital for achieving a true AI renaissance
▼ + stars: | 2023-09-07 | by ( Sponsor Post | Created Ibm With Insider Studios | ) www.businessinsider.com time to read: +4 min

By Kate Woolley, IBMBy now most of us have played around with generative AI, amusing ourselves with witty pet poems or challenging AI to perform tasks like spelling "lollipop" backward. But while these fun use cases of AI are deservedly having a moment, what should really be celebrated is the transformative power of generative AI for business. Partners should double down on building AI skills and capabilities so they can collaborate and scale AI adoption across industries. With the right technology and skills, business partners will be able to co-create with their clients today and help them envision what they can build tomorrow. We all want to succeed, and only together can we take full advantage of the opportunities that generative AI presents.

Persons: Kate Woolley Organizations: IBM, Companies, Education, Insider Studios Locations: hyperscalers

☆ Opinion: The ‘rising superpower’ myth about China
▼ + stars: | 2023-09-07 | by ( Opinion Peter Bergen | Joel Rayburn | ) edition.cnn.com time to read: +12 min

He was the US Special Envoy for Syria and the senior director for Iran, Iraq, Syria and Lebanon on the National Security Council staff during the Trump administration. After that, China’s National Bureau of Statistics said it would suspend publishing youth unemployment data in the future. What does it signify that China’s national power, which today is vast, is almost certain to be weaker in the future? If Xi and his strategists have a feasible plan for nimbly averting China’s demographic doom, they are keeping very quiet about it. This brings us back to the question of national security strategies for the United States and its allies.

Persons: Peter Bergen, Peter Bergen ”, Joel Rayburn, Trump, Biden, Saddam Hussein’s, Lloyd Austin, China’s, Xi Jinping, Stephen Shaver, ”, Ng Han Guan, Xi, China “, ” Trump Organizations: New, Arizona State University, Apple, Spotify, American Center for Levant Studies, New America, US, National Security Council, CNN, Strategy, Pentagon, of Defense, Development Research Center, Communist Party, UPI, Manpower, Census Bureau, National Bureau of Statistics, Financial, China’s Southwestern University of Finance, Economics, Rocky, United Nations, Beijing, Pew Research Center, Communist, Trump administration’s National Security, Twitter, Trump Locations: New America, Syria, Iran, Iraq, Lebanon, Washington, China, United States, Saddam Hussein’s Iraq, al Qaeda, Ukraine, People’s Republic of China, Beijing, India, Yarkent County, China's Xinjiang Uyghur Autonomous Region, Saudi Arabia, USSR, Russia, Russia’s Ukraine, Vietnam, Korea, Italy, Japan, Taiwan, Hong Kong

☆ First funding tranche for Verkor battery gigafactory near complete- co-founder
▼ + stars: | 2023-09-06 | by ( Gilles Guillaume | ) www.reuters.com time to read: +2 min

PARIS, Sept 6 (Reuters) - Verkor should complete the first tranche of fundraising for its future battery gigafactory in Dunkirk, France, in the coming weeks, co-founder and chief customer officer Philippe Chain told Reuters. The Grenoble-based startup's gigafactory is one of four electric vehicle battery factories planned in northern France. Verkor has already raised around 350 million euros, mainly for a new innovation centre, a pilot production line already in operation and a "battery school" to train future employees. Construction of the gigafactory has begun and it will have an initial annual production capacity of 16 gigawatt hours (GWh) - including 12 for Renault (RENA.PA), which owns more than 20% of Verkor. Taiwan's ProLogium also plans a gigafactory in Dunkirk with a capacity of 30 GWh in 2030.

Persons: Philippe Chain, Verkor, Taiwan's ProLogium, Nick Carey, Gilles Guillaume, David Evans Organizations: European Union, Renault, Automotive Cells Company, ACC, Mercedes, TotalEnergies, Thomson Locations: Dunkirk, France, Munich, Grenoble

Share Share Article via Facebook Share Article via Twitter Share Article via LinkedIn Share Article via EmailHow to invest in real estate without buying a homeReal estate investment trusts are tax-advantaged funds that buy and manage properties worldwide. They give investors exposure to the market for housing without the burden of a mortgage. These funds traditionally support strip malls, hotels and apartment complexes. Today, many diversified firms offer exposure to rental housing, data centers and industrial assets. U.S. REITs control $4.5 trillion in real estate assets and analysts envision more growth ahead.

☆ As Ukraine’s Fight Grinds On, Talk of Negotiations Becomes Nearly Taboo
▼ + stars: | 2023-09-01 | by ( Steven Erlanger | More About Steven Erlanger | ) www.nytimes.com time to read: +1 min

Stian Jenssen, the chief of staff to the secretary general of NATO, recently had his knuckles rapped when he commented on possible options for an end to the war in Ukraine that did not envision a complete Russian defeat. He also said that “it must be up to Ukraine to decide when and on what terms they want to negotiate,” which is NATO’s standard line. But the damage was done. The remarks provoked an angry condemnation from the Ukrainians; a clarification from his boss, Jens Stoltenberg; and ultimately an apology from Mr. Jenssen. The contretemps, say some analysts who have been similarly chastised, reflects a closing down of public discussion on options for Ukraine just at a moment when imaginative diplomacy is most needed, they say.

Persons: Stian Jenssen, “ I’m, ”, Jens Stoltenberg, Jenssen Organizations: NATO Locations: Ukraine, Norway

AI (Artificial Intelligence) letters are placed on computer motherboard in this illustration taken, June 23, 2023. REUTERS/Dado Ruvic/Illustration/File Photo Acquire Licensing RightsAug 30 (Reuters) - British officials are warning organisations about integrating artificial intelligence-driven chatbots into their businesses, saying that research has increasingly shown that they can be tricked into performing harmful tasks. The NCSC said that could carry risks, particularly if such models were plugged into other elements organisation's business processes. "They might not let that product be involved in making transactions on the customer's behalf, and hopefully wouldn't fully trust it. The security implications of AI are also still coming into focus, with authorities in the U.S. and Canada saying they have seen hackers embrace the technology.

Persons: Dado Ruvic, Raphael Satter, Alex Richardson Organizations: REUTERS, Cyber Security, Authorities, Thomson Locations: guardrails, U.S, Canada

Zeljkosantrac | E+ | Getty ImagesWhen it comes to planning for longevity, experts say it helps to envision your future self. A new aging filter trending on TikTok can help make that a reality. Use an aging filter to overcome retirement inertiaA recent Bankrate survey found not saving for retirement early enough is the number one financial regret. Experts say increasing your retirement savings deferral rate just slightly, say by 1%, can make a big difference over time. watch nowThe TikTok aging filter may serve as inspiration, but only if savers take the necessary follow-up steps, experts say.

Persons: Hal Hershfield, Joseph Coughlin, Coughlin, Hershfield, Carolyn McClanahan Organizations: Massachusetts Institute of Technology, University of California, Planning Partners, CNBC Locations: Los Angeles, Jacksonville , Florida

☆ ‘Bottoms’ and the Tricky Tone of a Horror-Indie-Drama-Action-Teen-Sex Comedy
▼ + stars: | 2023-08-25 | by ( Melena Ryzik | More About Melena Ryzik | ) www.nytimes.com time to read: +2 min

We finished “Bottoms,” and “The Bear” came out a month later and her world changed. The way queer teen characters are always so innocent in teen movies. “Bottoms” builds on a lot of the teen movie canon, starting with “Heathers.” What else did you use as a reference? We pulled from that era of the ’90s — I guess “Heathers” is the ’80s — but that kind of female, campy, driven, high school and murder [comedy]. That movie strikes such a beautiful tone of campiness while caring deeply about the characters — it’s right on the edge.

Persons: Ayo, Rachel, ” It’s, she’s, It’s, ” She’s, ”, they’re, “, There’s, Liz

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