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I have a separate short-term savings account that I automatically put $10 in every week for gifts. While I do buy some gifts closer to the holidays (especially for kids), I buy items on sale all year. This is where I keep a gift fund. I don't have a firm budget for how much I spend each month, but I typically pull from my gift fund or my splurge fund from such purchases. Plus, I've received sundry items for gifting, such as stuffed animals, treat bags, gift boxes, baskets, and stocking stuffers.
Persons: , pare, I've, I'm Organizations: Service, Black
The 31-year market veteran has achieved enviable results since the start of 2005 while running the BNY Mellon Dynamic Value Fund (DAGVX) alongside co-manager Brian Ferguson. How to invest — and common mistakes to avoidLike all value fund managers, Bailer refuses to overpay for stocks — regardless of how enticing their businesses look. "It's a philosophy that's based on looking for stocks with great valuations, but not stopping with great valuations," Bailer said. Companies in the BNY Mellon Dynamic Value Fund must have both quality fundamentals and improving business momentum, Bailer said. The six largest stocks in the BNY Mellon Dynamic Value Fund were in one of two sectors, as of September 30: financials and healthcare.
Persons: John Bailer, Brian Ferguson, it's, Bailer, we've, headwinds, they've, he's, Warren Buffett, Berkshire Hathaway, Buffett, Charlie Munger Organizations: Value Fund, Companies, Value, Firms, Berkshire, JPMorgan Locations: Berkshire
I drove the i4, BMW's new Tesla rival. NEW LOOK Sign up to get the inside scoop on today’s biggest stories in markets, tech, and business — delivered daily. download the app Email address Sign up By clicking “Sign Up”, you accept our Terms of Service and Privacy Policy . For buyers desiring an EV that's a bit more conventional than what's on offer from the flashiest startups, there's the BMW i4. AdvertisementAdvertisement(For context, BMW lent me a $68,000 i4 eDrive40 with a generous list of optional features.
Persons: , that's Organizations: Service, BMW i4, BMW
Claire Segeren and her boyfriend bought a Victorian house in the Scottish Highlands by accident. They bid on the wrong property in an auction and spent four years renovating the derelict house. We accidentally bought a crumbling Victorian villa at an auctionThe couple were shocked when they saw the villa in person. From the auction brochure, the couple weren't too concernd Claire SegerenHe left the auction in a panic and called me. The completed front room in the Scottish villa.
Persons: Claire Segeren, , Cal Hunter, We'd, Cal Joshua Sivarajah, Cal, It's, Claire Segeren Cal, van, Joshua Sivarajah Cal, Jameswood, Segeren, we've, could've, Segeren wouldn't Organizations: Scottish Highlands, Service, Canada, University of Glasgow School of Medicine, Cal, Jameswood Villa, eBay Locations: Scottish, Scotland, Canada, Hull, England, French, Glasgow, Jameswood Villa, Sandbank, Dunoon
America's last functional prison ship, New York's Vernon C. Bain Correctional Center, is closing. The Vernon C. Bain Correctional Center was originally meant to solve overcrowding at Rikers Island. Vernon C. Bain currently houses 500 incarcerated people, though it has 800 beds. Inmates can be seen playing basketball on the Vernon C. Bain court. It's unclear what the future for the Vernon C. Bain Correctional Center is after inmates are all transferred out.
Persons: New York's Vernon C, , Kenneth Williams, Williams, Vernon C, Seth Wenig, United States —, Bain, Gregory Acevedo, Stephan Khadu, Darren Mack, Gary Hershorn, who've, David Dee Delgado, Edward Koch, Khadu, Joseph B, Frederick, Lezandre Khadu, Stephan Khadu's, Rudy Giuliani, David Howells, Corbis, Latima Johnson, Johnson Organizations: Bain Correctional Center, Service, New York City's, Bain Correctional, AP, Department of Correction, Bain, New, New York, Getty Images Locations: New York's, Brooklyn, New, Bronx, United States, New York, Rikers, New York City, California, South Bronx,
The departure from the race came less than 90 days before the Iowa caucuses, on which Mr. Pence had staked his candidacy. But while Iowa is a more difficult early state in the Republican primary contests for Mr. Trump than some of the others, the former president remains dominant there. Mr. Pence is the highest-profile candidate to leave the race, and the first of those who had met the Republican National Committee’s criteria for the primary debates. Mr. Pence’s campaign recently reported more than $600,000 in debt. But Mr. Pence, a former governor of Indiana, struggled mightily to raise money, never gaining traction in the polls that his former running mate has dominated.
Persons: Pence, Trump, Mr, Pence’s, Ronald Reagan, mightily, Biden’s Organizations: Republican, Trump —, Republican National, Trump -, Republican Party, D.C Locations: Iowa, Miami, Indiana, Washington, Fulton County ,
The cheese, Nidelven Blå from cheesemaker Gangstad Gårdsysteri, vied against the crème de la crème of the cheese world in Trondheim, Norway, in the world’s largest global cheese event. Organized by the Guild of Fine Food, the World Cheese Awards, now in its 35th edition, saw experts from across the globe join forces to crown this year’s champion. The judges had delectable things to say about Nidelven Blå, a semi-solid, blue mold cheese, made with pasteurized cows’ milk. It’s a very unique language.”The Super Jury voted on finalists before a live audience at the World Cheese Awards 2023 in Trondheim, Norway, on Friday. “Competition is always stiff in the World Cheese Awards,” John Farrand, managing director of the World Cheese Awards, told CNN Travel ahead of the event.
Persons: Gangstad Gårdsysteri, , , Maren Gangstadt, Gangstadt, Haakon Berg, ” John Farrand, you’re, Nidelven Blå, Farron, “ We’ve, Gourmino’s Le Organizations: CNN, Guild of Fine Food, Food, Foods, of Fine, CNN Travel, Trondheim, Super, Norway Host Locations: Trondheim, Norway, , India, Japan, Swiss
After spending three weeks plumbing the depths of a chaotic power vacuum, House Republicans seem to have finally found their man. And while the selection of Representative Mike Johnson, a Louisiana Republican, as speaker offers immediate relief from an exhausting, internecine process, his elevation does little to address the underlying conflict that led to former Speaker Kevin McCarthy’s demise. While far from a household name, even by congressional standards, Mr. Johnson is well situated to bridge a divided conference. Mr. Johnson is not your prototypical party leader, and his mere candidacy sent many in Washington scrambling for their Congressional Directory. And in some ways this was the point — a clean break from the Mr. McCarthy mold of speaker as pure political animal.
Persons: Mike Johnson, Kevin McCarthy’s, Johnson, Jim Jordan of, McCarthy Organizations: Republicans, Louisiana Republican, Republican, Committee, Congressional Locations: Louisiana, Jim Jordan of Ohio, Washington
But shares of the life sciences and medical diagnostics company remain under pressure after management was forced to lower expectations for one of its key businesses. We used Tuesday's sell-off in Danaher shares to add to our position . Driving this forecast is an expectation for biotechnology sales drop in the mid-20% range, life sciences sales to decline by mid-single digit percentage points, and for diagnostics to be down about 20%. Assuming no additional headwinds in the fourth quarter, management reiterated their full year outlook for the bioprocessing base business to be down 10% on a full-year basis. The life sciences unit was hampered by pressure in the instruments business.
Persons: hasn't, Rainer M, Blair, Sartorius, Danaher, Jim Cramer's, Jim Cramer, Jim, Virginia Sherwood Organizations: Revenue, Guidance Management, Management, CNBC, NYSE Locations: Bioprocessing, Danaher, China, Veralto
I'm the last renter among my friends, so I decided to ask them about all the costs of homeownership. But when I saw the long list of hidden fees and expenses they have to pay for, I was in shock. Here are five of the fees I didn't know homeowners owe that made me realize just how much I want to rent forever. However, your property taxes can keep going up (a soaring housing market or city improvements can make this amount increase). However, the big and frequent costs they paid to keep up the appearances of their homes really did add up.
Persons: , dishwashers, doesn't, it's Organizations: Service
Baron Davis is a former NBA player who's making a name for himself off the court in the business world. NEW LOOK Sign up to get the inside scoop on today’s biggest stories in markets, tech, and business — delivered daily. When I saw the court he'd built in his backyard, it was just like, "I'm going to do this every day." From there, it was every day, all day, basketball, basketball, basketball. That's when I realized I needed to go and find great athletes doing dope stuff, that are doing great investments, creating incredible businesses, and branding themselves as entrepreneurs.
Persons: Baron Davis, who's, Davis, Yoonji Han, , it's, Los Angeles , Cleveland —, Clark Hodgin, Let's, Alec Castillo Organizations: NBA, Business, Service, UCLA, , Shutterstock Locations: Santa Monica, South Central, — New York , New Orleans, Charlotte, Los Angeles , Cleveland, San Francisco, Golden State
President Biden could very well go down in history as the last American president born during World War II and shaped by a view of American power nurtured in the Cold War. To Mr. Biden’s mind, this has been the moment he has trained for his entire political career, a point he often makes when challenged about his age. In the past eight months, he has visited two countries in the midst of active wars. He has married his public embraces with private cautions, and kept American troops out of both conflicts — so far. Whether Mr. Biden can bring the American population along, however, is a more unsettled question than at any moment in his presidency, and the backdrop of his rare Oval Office address on Thursday night.
Persons: Biden, Golda Meir, Mikhail Gorbachev, Hamas —, , , Michael Beschloss, Vladimir V, Putin, Peter the Great, Republicans —, Donald J, Trump Organizations: States —, Hamas, Ukraine, Republicans, Republican Party Locations: States, Ukraine, Israel, United States, America
Despite a recent hiccup, growth stocks are in style as concerns about the US economy persist. Growth stocks may generate earnings quickly, but that doesn't mean stock-pickers should rush to sell them — even after letdowns like a disappointing quarter. Every stock in the 52-year-old growth fund has tailwinds like sustainable earnings growth and defendable competitive advantages, Humphrey said. Valuation is an afterthought for some growth managers, but not those on Humphrey's team. Along with Meta Platforms (META), the USAA Victory Growth Fund's top holdings include streaming media titan Netflix (NFLX) and communications conglomerate Alphabet (GOOGL).
Persons: It's, Lance Humphrey, Humphrey Organizations: Growth, Victory Capital Management, Companies, Federal Reserve, Meta, Netflix, Biotech, Vertex Pharmaceuticals
Since 1949, all female recruits have gone through boot camp at the South Carolina base; the 4th Battalion was created in 1986 as the women's unit. Inside the pool, men and women struggle side by side, jumping off a platform and swimming to the other end. Some measure of all-male companies would be necessary no matter what because there just are not enough female recruits to go around. The split, she said, divided them into “male Marines” and “female Marines,” and that shaped the men’s view of the women and made it more difficult for them to work together as they moved along. Young female recruits, who usually come from high schools where there is little separation, acknowledge the differences but voice no complaints.
Persons: Marine Base Parris, , , It's, Ash Carter, Carter, stridently, it's, Walker Field, , We’re, Aixa Dones, Dones, Maria Torres, Erin Kirk, Kirk, Nicole Momura, Nubia Delatorre, “ We’re, Delatorre Organizations: Marine Base, Marine Corps, Marines, Recruit, 4th Battalion, Marine, Corps, Brig, Marine Recruit, , Bravo Company Locations: PARRIS, Parris, South Carolina, Gen, San Diego
Katie and David WolfordBut to Katie, 33, and David, 34, it was their future. AdvertisementAdvertisement"There was just no world at this point, three years in the making, where we did not get that house," Katie said. Katie and David Wolford"With all that stuff, you can't really see what is actually built into the house," Katie said. The previous owners had built an upstairs sunroom, which caused major water damage. We feel so connected to this house," Katie said.
Persons: Katie, David Wolford, David, , Mold, they're, they'd, David Wolford Katie, that's, they've, what's, we've Organizations: Service, YouTube Locations: strolls, Portland , Oregon
Some California residents got $40,000 in grant money to build tiny homes on their properties. AdvertisementAdvertisementThousands of California homeowners got a $40,000 check from the state to build a tiny home in their backyard last year. California is reviving the ADU grant program again, but details are being worked out. Altogether, we paid $124,000 out of pocket, got the $40,000 from the state, and a forgivable loan of $67,500. I paid for the majority of the project with my savings, and the rest with the $40,000 California ADU grant.
Persons: , Los Angeles —, Dan Romo, Daniel Romo, Kristin Romo, Dan, Kristin, Jakota Rivas, Eric Santucci, Rivas, shutdowns, wasn't, it's, we're, Rosario Organizations: Service, Housing, HPP, California ADU Locations: California, Orange County, Napa, Los Angeles, Whittier , California, New Hampshire, Napa , California, Northern California, Napa County, Rosario, Los Angeles , California
It took Rodney Melton just over a year to build a six-figure side hustle. In March 2021, Melton started molding, engraving and selling headstones for pet memorials on Etsy. He'd long worked with concrete and stone as a hobby, while working 60 hours per week as a maintenance lead at Mars Pet Care. In May 2022, his Etsy shop brought in nearly $20,000, and Melton left his full-time job. Last year, the four-person operation brought in more than $207,000 on Etsy, according to documents reviewed by CNBC Make It.
Persons: they've, Rodney Melton, Melton, Carlos, Molly, Kristen, We've Organizations: CNBC, Mars, Melton Locations: AskMakeIt@cnbc.com, Alma , Arkansas, Ozark, , Melton
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Persons: Dow Jones, dianne, feinstein Locations: california
CNN —Closed to the public for more than a decade, the stunning Zeyrek Çinili Hamam has just reopened its wooden doors to the world. A team of archaeologists and historians at the hamam helped those institutions to identify exactly where their Iznik tiles came from. Ottoman know-how and seamless minimalism come together inside the Çinili Hamam to create the ultimate zone-out space. The glass stars on the domed ceilings (a signature of Ottoman hamam design) allow just enough natural light to shimmer in, but not so much that it dazzles. Yazgan says the Zeyrek Çinili Hamam will closely replicate time-honored Ottoman bathtime traditions.
Persons: Hamam, Mimar Sinan, Suleiman the, Çinili, , Koza Yazgan, , Sinan, London’s, Yazgan, Brüeckner –, Hammam, Murat Germen, Murat, Germen Murat Germen, puffy, , Istanbul’s, It’s Organizations: CNN, hamam, Istanbul Biennial, Marmara Group, Egyptian Museum, UNESCO, Hagia Locations: Istanbul’s Zeyrek, Fatih, Zeyrek, Cairo, Abu Dhabi, Mimar, Turkey, Istanbul, Ayasofya, Hagia Sofia, Ottoman, hamams, Aivita, Marmara, Valens,
Best High-Yield Savings Accounts for October 2023
  + stars: | 2023-09-28 | by ( Martha C. White | ) www.wsj.com   time to read: +18 min
With the Federal Reserve steadily raising interest rates to fight inflation, high-yield savings account payouts have steadily risen, too. After years of near-zero returns, the average savings account rate has risen to 0.45%, according to the Federal Deposit Insurance Corp. Their new High-Yield Savings account offers a 3.5% APY, but you need a hefty $5,000 deposit to open the account. Unlike some high-yield online savings accounts, you earn a high APY—currently 5%—on every dollar in your account. You can conduct immediate electronic transfers between your brokerage account and savings account, and manage both savings and investment activities on a single platform.
Persons: Martha C, it’s, JPMorgan Chase, Wells, Wells Fargo, Ally, Synchrony, UFB, , Achilles, We’ve, Foster, Alliant, Morgan Stanley, Marcus, Goldman Sachs, Charles Schwab, Charles Schwab Bank Charles Schwab Organizations: Federal Reserve, Federal Deposit Insurance Corp, Capital, National, One’s, JPMorgan, JPMorgan Chase JPMorgan Chase &, Chase Savings, Ally, Synchrony, CIT, First Citizens, Bank, Axos Bank, Webster Bank, National Bank, Zelle, Alliance Data Systems, Comenity Capital Bank, FDIC, Foster Care, Navy, Navy Federal, Savings, Morgan Stanley Private, Morgan Stanley Private Bank, Bloomberg, Trade, Charles, Charles Schwab Bank, Best Bank, National Credit Union Administration, dateline Locations: Chase, Zelle, Ally’s, Utah, Chicago, U.S, .
watch nowIn the meantime, copper customers, in anticipation of shortages, are either delaying clean energy projects or reducing their need for copper, an economic principle known as demand destruction. Among other actions, it would dismantle most of the clean energy projects initiated by the Biden Administration. At that point, the consensus was that there would be a major copper supply response. That's presented the industry with a whole new era of copper demand, Adkerson said. China's economy has slowed, while those in the U.S. and Europe are striving to transition to clean energy.
Persons: Wood Mackenzie, Nick Pickens, we've, we're, Tesla, eyeing, Rishi Sunak, Richard Adkerson, he's, Adkerson, That's, Clayton Walker, Matt Murphy, Murphy, Walker Organizations: Polska Miedz SA, Bloomberg, Getty, EV, P, International Energy Agency, Heritage Foundation, Republican, Biden Administration, Phoenix, Resources, Freeport, Afp, Rio, Barclays, Rio Tinto, Caterpillar Locations: Glogow, Poland, Wood, EVs, McMoRan, Freeport, China, U.S, Europe, Papua, Freeport's Indonesia, Rio Tinto, Mongolia, Salt Lake City , Utah, Indonesia, Rio
The bathtub was at risk of falling through the cracked ceiling into the kitchen. Tasting something metallic, he touched his lip, and in the glow of his phone screen he could see that his finger was stained with blood. Tens of millions of Americans were kept out of poverty and economic insecurity as a result; in another world, a younger Emmanuel could have been one of them. The stark relief that pandemic programs brought to families is proof that poverty is not an intractable problem when there is sufficient political will. We should recommit to finishing the job and passing an agenda that will reduce child poverty and make life more affordable.
Persons: Emmanuel Coreano, Emmanuel, , ” Emmanuel, Donald Trump, Joe Biden, Amartya Sen, Bernie Sanders, Organizations: El Centro de Estudiantes, New, Senate Locations: Puerto Rican, Kensington
It's not just you. LinkedIn has gotten really weird.
  + stars: | 2023-09-25 | by ( Rob Price | ) www.businessinsider.com   time to read: +19 min
The number of LinkedIn posts grew 41% from 2021 to 2023. A larger rival account emerged, State Of LinkedIn, and a Reddit community thrived — "LinkedIn Lunatics." "Do you realize how dangerous it is to troll via LinkedIn posts? For most people, their LinkedIn posts don't escalate so rapidly. According to Joseph Yeh, a tech recruiter in California who used to work for LinkedIn, revelatory posting is a balancing act.
Persons: Matthew Sciannella, I'm, Sciannella, he'd, Peter Rota, Rota, Xavier Lalanne, There's, Oversharing, Gen, Catalina Valentino, Elon, Sarah Frier, John Hickey, Ted Talkification, you'd, Hickey, Peter Rota's, Hickey wasn't, ominously, Jack Raines, sagely, Alexander Cohen, Cohen's, Raines, Cohen, Jacqueline Rainey —, he's, Young, , , John Reid, Jon Franko, Franko, Instagram, @BestofLinkedIn, Reid, hypocritically, Joseph Yeh, Yeh, Daniel Roth, Fortune, Roth, Sciannella's, didn't, Slack, Franko's, Jameson, who's, He's, Rob Price Organizations: LinkedIn, Facebook, Microsoft, peeing, Economic, Twitter, Bloomberg, Columbia Business School, New York, New York Mets Locations: Washington, DC, Massachusetts, Davos, San Francisco, San Francisco Bay, New York City, Columbia, Manhattan, Bay, Oakland, California
At one facility, service members are responsible for "cleaning biological waste that may remain in a barracks room after a suicide," said the Tuesday report filed by the Government Accountability Office, citing officials at the barracks. "Thousands of service members live in barracks below standards, according to officials," the report said. Military personnel in all 12 discussion groups said their barracks conditions affected their mental health, the report said. AdvertisementAdvertisementThe report said service members in at least six of 12 discussion groups spoke of bedbugs, rodents, cockroaches, and wasps in their barracks. Ventilation, heating, and air conditioning systems were broken at all 10 facilities visited by investigators, the report said.
Persons: GAO Organizations: Service, Government, GAO, Defense Department, US Army, Military, Pentagon, Department of Defense, The Defense Department, DOD Locations: Wall, Silicon
New York CNN —Costco customers are going to the mattresses over mold. The US Consumer Product Safety Commission announced the recall of 48,000 mattresses sold exclusively at Costco due to risk of mold exposure. Mold could have developed, leading to health risks for consumers with compromised immune systems, damaged lungs or a mold allergy. The CPSC said only mattresses with the model and item numbers listed on its website are included in the recall. The DreamAway 8-inch mattress has a gray base with “Novaform” printed in white letters,” the CPSC said.
Persons: CPSC Organizations: New, New York CNN, Costco, US Consumer Product Safety Commission, Northwest Locations: New York, Northwest United States, San Francisco Bay, San Bernardino , California, California
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