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Read previewKamala Harris is enjoying a moment in the viral sun — with her #KHive surging into the mainstream, admitting they've been "coconut pilled." One coconut emoji too many, and Harris HQ could be veering into cringe, losing the coveted brain rot demographic. They've already started to try to capitalize on the memes — a little: The Harris presidential campaign's official TikTok account posted Charli XCX's Sunday tweet that said: "Kamala is brat." The Kamala HQ bio also reads "ready to provide context," which is a reference to another Harris-related meme. Advertisementkamala IS brat — Charli (@charli_xcx) July 22, 2024(If the coconut and brat references don't make sense to you, a brief explanation: Brat is a reference to Charli XCX's latest album, which has a girls-just-wanna-have-judgment-free-fun vibe.
Persons: , Kamala Harris, they've, Harris, They've, Kamala, kamala, — Charli, Charli, it's, Sen, Bryan Schatz, y8baSx44FL — Brian Schatz, Brandon, Joe Biden, Biden, Charlie Warzel, Trump, Alexandria Ocasio, Cortez —, Hillary Clinton's, Rachel Platten's, Katy Perry, qMYVn1BOtV, Brian Tyler Cohen Organizations: Service, Business, Hawaii, Biden, Convention
Social Security income is viewed the same as any other type of income, with one exception that can work in recipients' favor. Age and Social Security incomeYour age and how much Social Security income that allows you to take in will make a difference, too. To get this information to share with your lender, you can request a Social Security Benefit Verification letter from the Social Security Administration's website. Getting a mortgage on Social Security FAQsWhat types of home loans are available for seniors on social security? Lenders consider Social Security income as part of your total income, which can help qualify for various home loan options.
Persons: you'll, Shashank Shekhar, Shekhar Organizations: Social Security, Social, Department of Housing, Urban Development, Department of Veterans Affairs, DTI, Security, Chevron Locations: Chevron
Mortgage rates have steadily been decreasing for several months now. Mortgage rates are determined by a variety of factors, including economic trends, Fed policy, investor demand, and more. See more mortgage rates on Zillow Real Estate on ZillowToday's refinance ratesMortgage type Average rate today This information has been provided by Zillow. This is a significant slowdown compared when it peaked at 9.1% in 2022, which means mortgage rates should start trending down soon. This means your entire monthly mortgage payment, including taxes and insurance, shouldn't exceed 28% of your pre-tax monthly income.
Persons: they've, Freddie Mac, you'll, Fannie Mae Organizations: Federal Reserve, Zillow, Mortgage, Association, Sky Locations: Chevron
Kid's savings accounts are a great way to teach your kids how to budget, create savings goals, and start building up their savings. Best Kids Savings Account ReviewsThe best savings accounts for kids offer good monitoring features, educational resources, and low monthly fees. Key Benefits of a Kids' Savings AccountThe key benefit of getting a kid's savings account is that you can grow your child's savings in a relatively accessible and safe way. Features to Look for in a Kids' Savings AccountHigh Interest Rates on Kid's BankingFor the most part, kid's savings accounts are interest-earning accounts. How to Open a Savings Account for Your ChildChildren's Savings Account Eligibility RequirementsA kid cannot open a savings account on their own.
Persons: Chase, Alliant, Foster, JP Morgan Chase, Jeffrey Epstein's, Banks, isn't, there's, Tania Brown, Sophia Acevedo, Mykail James, Roger Ma, James Organizations: Mortar Bank Chase, Chase, Best Online Bank, Best Credit Union Alliant Credit, Credit Union, Foster, Business, Chase Bank, Washington DC, Capital, Credit, Alliant Credit, Savings, Foster Care, U.S . Virgin, Banking, Kid's Banking, Kid's, Kids, FDIC Locations: NY, LA, TX, VA, NJ, Washington, Connecticut , Delaware , Louisiana , Maryland , New Jersey , New York , Texas, Virginia, Chevron
For Love & Money is a weekly Business Insider column answering relationship and money questions. Write to For Love & Money using this Google form. If your siblings don't already recognize how lucky they are to have you, I assure you they will someday. Another way you can help your siblings when you're gone is to prepare them for it now. Write to For Love & Money using this Google form .
Persons: , I've, I'm, You've, you've, doesn't Organizations: Service, SNAP, Medicaid
U.S. Vice President Kamala Harris departs Air Force Two as she arrives at Pope Army Airfield to campaign in Fayetteville, North Carolina, U.S., July 18, 2024. Kevin Mohatt | ReutersA call Friday featuring Vice President Kamala Harris and about 300 major Democratic donors left many who dialed in frustrated, with one donor declaring it "ludicrous" shortly before it ended, according to two sources familiar with the call. During the call, Harris, who was asked to join the call by Biden's senior advisors, praised Biden, according to campaign officials. NBC News reached out to the Biden campaign for comment. But what angered many donors, this source said, was that during the wait — which was about 20 minutes — donors were "admonished."
Persons: Kamala Harris, Kevin Mohatt, Joe Biden's, Jen O'Malley Dillon, Biden, Joe Biden, Tom Brenner, Harris, Biden's, Donald Trump, Melissa Morales, Somos Votantes, Kamala, Trump Organizations: Air Force, Pope Army, Reuters, U.S, Market, Office, NBC, Biden, Democratic, NBC News Locations: Fayetteville , North Carolina, U.S, Las Vegas , Nevada, Provincetown, Mass
"Everyone is thinking they deserve a tip," Pam — who asked to go by her first name for privacy, but whose identity has been verified with Business Insider — said. Advertisement"I just don't think tipping is a good thing to do," Sandberg told BI. AdvertisementFor instance, Sandberg doesn't see tipping as necessary if he's buying something himself because "there's no extra service." "If I have to stand up to order my food or to buy my product, you're not getting a tip," Sandberg said. AdvertisementMeanwhile, there are services Pam doesn't tip for and ones she does.
Persons: , Pam, Pam —, It's, Ted Rossman, Rossman, I'm, Xers, culture's, it's, Pam isn't, Michael Sandberg, shouldn't, Sandberg, Tipping, Uber Organizations: Service, Pew Research, Business, Pew Research Center Locations: gratuities
Single men spend $442 per wedding compared to partnered ones who spend $254. On average, single people spend $273 more to go to a wedding than those in a relationship. "Ubers to wedding events covered by one person, rather than multiple, will put a greater financial burden on that single person," she says. 'Consider which wedding events are must-attend'There are ways to curb spending as a wedding attendee, Cullman says. "Consider which wedding events are must-attend and which ones you could skip to save on costs," she says.
Persons: Dana Saydak, she's, Saydak, CouponBirds, Allison Cullman, Hannah Nowack, Ubers, Zola, Sarah Pearlman, Pearlman, that's, Cullman, aren't, Nowack, Jen Glantz, Glantz Organizations: CNBC, Zola, Hire Locations: Chicago, Boston, India
I asked a financial planner whether I should take money out of savings if interest rates drop. I haven't felt ready to follow their advice, especially since my high-yield savings account at Ally Bank has been offering 4% to 5% APY on the money in the account. If that happens, it might make sense for me to move money out of my high-yield savings account. I met with certified financial planner Jake Skelhorn, who shared three things I can do with that cash if interest rates drop. "While more volatile year-to-year, stock market returns have averaged approximately 10%, which is about double what you're getting in a high-yield savings account today."
Persons: it's, they've, haven't, Jake Skelhorn, Skelhorn Organizations: Ally Bank
Here are the best mortgage lenders for first-time homebuyers and the affordable loans they offer, as chosen by Business Insider editors in 2024. If you're a Bank of America Preferred Rewards customer, you can get discountsCheck mark icon A check mark. Offers many unique types of mortgagesCheck mark icon A check mark. Low Cost Mortgages come with only $295 in closing costsCheck mark icon A check mark. Mortgage credit certificatesSome HFAs also offer mortgage credit certificates to first-time homebuyers.
Persons: It's, Chase, Grant, You'll, Carrington, Carrington doesn't, forbearance, HELOC, homebuyers, Truist, doesn't, Flagstar, they're, homeownership, Fannie Mae, Freddie Mac's, you'll, Anthony Park, Molly Grace, Julie Aragon, There's, Lauryn Williams, , there's, PenFed, USAA, Wells, Wells Fargo, Ally Organizations: Homebuyers Bank of America Mortgage, Mortgage, Chase, Federal Credit Union Mortgage, New, U.S, Bank Mortgage, Federal Savings, Loan, Truist, Flagstar Bank, Business, Bank of America, of America, FHA, Bank, Bank of, Bank of America's, Miami . Bank of America, USDA, Guild Mortgage, Veterans, Navy, Credit, Federal, Navy Federal, Navy Federal Credit Union, Department of Defense, Student Loan, . Bank, US Bank, U.S . Bank, Carrington Mortgage, Carrington Mortgage Services, Consumer Financial Protection, DC, Private Mortgage Insurance, PMI, Down Payments, Quicken, Rocket Mortgage, Rocket, CrossCountry Mortgage, CrossCountry, Loans, Flagstar Bank Mortgage, Federal Housing Finance Agency, Federal Housing Administration, US Department of Housing, Urban, US Department of Veterans Affairs, US Department of Agriculture, Best, Chevron, CFP, Pentagon Federal Credit Union, BBB, Fairway Independent Mortgage Corporation, Veterans United, Movement Mortgage, NBKC, PNC Bank, Better Business Bureau Locations: VA, HELOC, Washington, DC, Charlotte, Dallas, Detroit, Los Angeles, Miami, Delaware, Vermont, Delaware , Vermont, Wyoming, J.D, New York, ., U.S, Massachusetts, North Dakota, Ohio, Florida, California , Colorado , Connecticut, Georgia , Illinois , Indiana , Kentucky, Maryland , Massachusetts , Missouri , New Hampshire , New Jersey , New York, North Carolina , Ohio , Oregon , Pennsylvania, South Carolina , Tennessee, Virginia, Tennessee, Arizona , Alaska, Hawaii, Arizona , California, Florida , Indiana , Michigan , New Jersey , New York , Ohio, Wisconsin, Flagstar, Arizona , California , Connecticut , Idaho , Michigan, Nevada , Ohio, New Mexico, Chevron, Wells Fargo
In America's 20 biggest cities, a 20% down payment ranges from $39,127 in Oklahoma City to $263,392 in San Jose, California. On a $200,000 home, a 3% down payment means you'll need $6,000. FHA mortgage: 3.5%To get an FHA mortgage, you'll need at least a 3.5% down payment. The exact amount you'll pay depends on your down payment and whether you've gotten a VA loan previously. PMI protects lenders on mortgages with high loan-to-value ratios, and it's added to the borrower's monthly mortgage payment.
Persons: you'll, Insider's, Fannie Mae, Freddie Mac, you've, You'll, it's Organizations: Phoenix, Fort, Oklahoma, PMI, Opportunity, National Association of Realtors, Chevron, USDA Locations: Oklahoma City, San Jose , California, Government, York City, NY, Angeles, LA, Chicago, Houston, AZ, Philadelphia, Antonio, Diego, Dallas, Austin, Jacksonville, Jose, Fort Worth , TX, Columbus, Charlotte, NC, Indianapolis, Francisco, Seattle, WA, Denver, homeownership, Chevron
By taking aim at the most powerful AI models, Labour would impose tighter restrictions on companies such as OpenAI, Microsoft , Google , Amazon , and AI startups including Anthropic, Cohere and Mistral. Matthew Houlihan, senior director of government affairs at Cisco, said any AI rules would need to be "centered on a thoughtful, risk-based approach." Even so, a U.K. AI law would be a step above the U.S., which currently doesn't have federal AI legislation of any kind. Sirion's Liu said one thing he's hoping the government doesn't do, is restrict open-source AI models. Herman Narula, CEO of metaverse venture builder Improbable, agreed that restricting open-source AI innovation would be a bad idea.
Persons: Keir Starmer's, King Charles III, doesn't, Starmer's, Matt Calkins, Appian, Lewis Liu, Liu, Rishi Sunak, Peter Kyle, Kyle, Zahra Bahrololoumi, Matthew Houlihan, Bill, Chris Holmes, Holmes, Matthew Holman, Cripps, Holman, Sirion's Liu, Herman Narula, Narula Organizations: Future Publishing, Labour, European Union, Microsoft, Google, CNBC, Conservative, BBC, AI Safety Institute, Cisco, Authority, EU, AI Safety, Tech, London Tech Week Locations: Jiangsu province, China, Ireland, Salesforce, U.S
If you're looking for a business credit card and like to stay at Wyndham hotels, the Wyndham Rewards® Earner Business Card is a very compelling choice. Wyndham Rewards Earner Business Card ReviewJust about every major hotel chain issues a co-branded small-business credit card, and you're probably familiar with some of the big names like The Hilton Honors American Express Business Card or IHG One Rewards Premier Business Credit Card. The Wyndham Rewards® Earner Business Card is one of three Barclays-issued Wyndham Rewards cards, and it's by far the most lucrative. Wyndham Business card fees and costsThe Wyndham Rewards® Earner Business Card has a $95 annual fee, which is typical for small-business cards that earn travel rewards. Wyndham Business credit card frequently asked questions (FAQ)What credit score do you need to be approved for the Wyndham Rewards Earner Business card?
Persons: Hilton, Wyndham Timeshare, gofree Wyndham, Wyndham, cardholders, Vacasa, Cardholders, shouldn't, you'll, There's Organizations: Business, Wyndham Rewards, Card, Citi Strata Premier, Hilton Honors, Wyndham, Diamond, Honors American Express, Business Credit, Barclays, Wyndham Diamond, Uber, Citi, Premier, Avis, Visa, Savings Edge, Wyndham Business, Mastercard, Chevron Locations: Wyndham, Travelodge
Read previewA draft budget approved by Germany's government shows the country is planning to halve its military aid to Ukraine next year. The draft budget slashes the amount promised to Ukraine to $4.35 billion in 2025, compared to the roughly $8.14 billion it is receiving this year, Reuters reported. There are fears that Trump will scale back or even totally halt US aid to Ukraine. Germany is the second-biggest donor country by volume of military aid to Ukraine and is Europe's biggest economy. As such, the draft budget is a "moral hazard" for the country, Loss said.
Persons: , Christian Lindner, Lindner, Rafael Loss, Donald Trump, Mary, Trump, he's, MAGA, JD Vance, there's, Olaf Scholz, Scholz Organizations: Service, Reuters, German, Business, European Council, Foreign Relations, Ukraine, Politico, Trump Loss, NATO Locations: Ukraine, Germany, Berlin, Europe
The information for the following product(s) has been collected independently by Business Insider: Capital One Spark Cash Select for Excellent Credit†, Capital One Spark Cash Select for Good Credit†, Capital One Spark Miles for Business†, Capital One Spark Cash Plus†. One of these cards, the Capital One Spark Cash Select for Excellent Credit†, is designed to deliver what every business needs: cash. Capital One Spark Cash Select for Excellent Credit OverviewFor nearly every purchase you make on the Capital One Spark Cash Select for Excellent Credit†, you'll earn 1.5% cash back. Capital One Spark Cash Select for Business Annual Fee and Other CostsThere is no annual fee with the Capital One Spark Cash Select for Excellent Credit†, which is excellent news for your business' bottom line. What's the difference between Spark Cash Select for Excellent Credit and Spark Cash Select for Good Credit?
Persons: Uber, You'll, it's Organizations: Business, Credit, Business †, Capital, Business Capital, American Express, Air Canada, British Airways, Wyndham, Purchase, Excel, Mastercard, Finance Locations: U.S
See Business Insider's picks for the best credit repair companies >>What is an excellent credit score? Here's how VantageScore and FICO scores are determined:FICO VantageScore Payment history (35%) Credit balance (30%) Length of credit history (15%) New credit (10%) Mix of credit accounts (10%) Payment history (40%) Length & type of credit (21%) Percent of credit used (20%) Total debt/balances (11%) Recent credit behavior and inquiries (5%) Available credit (3%)With this foundation laid out, let's look at ways to improve your credit score to achieve excellent credit. Pay your bills on time — every timeAs payment history is the most important factor used to determine your credit score, having a negative mark like a delinquent payment can lower your credit score and ruin your chances of an excellent credit score for years. A survey of 100,000 LendingTree users with excellent credit scores found that the average consumer with an excellent credit score keeps a credit utilization ratio of 5.7% on a credit limit of $58,514 spread over 7.9 accounts. Excellent credit score frequently asked questionsWhat is the best credit score?
Persons: Insider's, Zer, Gen Organizations: Isaac Corp, Visa, Card, Chevron Locations: Chevron
With so much riding on your credit score, it's important to understand what counts as a good credit score and how to get one. Here's the full breakdown of how FICO and VantageScore crunch your credit score:FICO VantageScore Payment history (35%) Credit balance (30%) Length of credit history (15%) New credit (10%) Mix of credit accounts (10%) Payment history (35%) Length & type of credit (30%) Credit utilization (20%) Credit balances (11%) Recent applications (5%) Available credit (3%)The most significant aspect of your credit score is your payment history, which looks at how consistently you've made payments. However, hard inquiries stop factoring into your credit score after a year and drop off your credit report entirely after two years, so they don't permanently influence a credit score. That's why the average credit score among Gen Z is 680 compared to the average baby boomer, who has a 745 credit score. Good credit score frequently asked questionsAre good credit scores hard to get?
Persons: Gen, boomer, stow, Will Organizations: Credit Monitoring, Chevron Locations: AnnualCreditReport.com, Plenty, Chevron
It also found that 75% of those who plan to watch the games are more likely to watch coverage from celebrities, influencers, and digital creators than they were for the 2021 Summer Olympics. "We found they're really excited to turn to social media for Olympic coverage because they think it will surface the most culturally relevant moments and create community," Emily Anatole, the senior director of cultural insights at UTA IQ, told Business Insider. The data explains why broadcaster NBC is tapping more influencers this year and working with the major platforms to expand social-media coverage around the Olympics. Gen Z and millennials will be tuning in to get creators' perspectives on the gamesThe involvement of more influencers this year also shows how Gen-Z and millennial viewers are changing the Olympics. Anatole said many Gen Z and millennials will use social-media platforms like TikTok and Snapchat to get Olympic coverage because of content creators like Cenat and Duke Dennis, who will help capture content for the games.
Persons: , YouTuber Kai Cenat, Alex Cooper, Emily Anatole, Cooper, Cenat, influencer Olivia Dunne, Gen, Gen Zs, Anatole, Snapchat, Duke Dennis, Zers, shouldn't, , Gen Z Organizations: Service, Social, Paris Games, Business, United Talent Agency, UTA, NBC, Olympics, Meta, YouTube, Facebook Locations: Paris
Now, the attempted assassination of former President Donald Trump has injected even more uncertainty into the US political landscape. 3 trades for political riskFirst, cash remains king. Within the financial sector, Landsberg recommends that investors allocate part of their portfolio to insurance companies, which can benefit from inflation by raising premiums. While concentration isn't always a cause of concern, increased volatility due to political turbulence can lead market conditions to change quickly. Don't try to predict the FedOverall, Landsberg cautions investors against trying to time the market and predict the Fed's next move.
Persons: Donald Trump, Michael Landsberg, Landsberg Bennett, Landsberg, It's, Banks, Goldman Sachs, Wells, — Landsberg, Powell Organizations: Service, Wealth Management, Forbes, Business, JPMorgan, Citigroup, Wells Fargo, Big Tech Locations: India, Japan
AdvertisementI ended up working at Lyft for about three months but left to get treatment for a severe medical condition. I just want to make sure I'm doing something meaningful and important to me every moment, every month, every year. It made me question what makes me feel like I'm doing well. After six months, I left the barista job to work for BuzzFeed, where I helped with social media and blogging before I was laid off when the company cut jobs in 2023. Now I'm working as an engineer at a healthcare tech startup, which I think really suits me.
Persons: , Chris Jereza, I'd, Lyft, haven't, I've, I'm, they're Organizations: Service, University of California, Business Locations: Berkeley, Lyft
Jamie Dimon says the Federal Reserve shouldn't be in a rush to cut interest rates. He told Swiss newspaper NZZ that several factors could cause inflation to rebound. download the app Email address Sign up By clicking “Sign Up”, you accept our Terms of Service and Privacy Policy . AdvertisementThe market is laying bets that the Federal Reserve is on the cusp on cutting interest rates, but Jamie Dimon thinks the central bank is at risk of moving too soon. The JPMorgan chief told Swiss newspaper NZZ that inflation might not settle down for good, even though it has been moving steadily lower since peaking in the summer of 2022.
Persons: Jamie Dimon, he's, , Dimon Organizations: Federal Reserve, Swiss, Service, Federal, JPMorgan, Fed, Business
Read previewThis as-told-to essay is based on a conversation with Mary Beth Wilkas Janke, a 59-year-old former Secret Service Agent. I applied to the DEA and the United States Secret Service (USSS). The Secret Service offered me a job after many interviews, an exam, a review of my documents, and a polygraph. I worked for the Secret Service from May 1991 to June 1992. When I was doing a protection advance in 1992 at a hotel, the general manager said to me, "I didn't know there were women Secret Service Agents!"
Persons: , Mary Beth Wilkas Janke, George H.W, it's, that's, It's Organizations: Service, FBI, Business, United States Secret Service, Washington Field Office, Air Force Base, Secret, Department of Homeland Security Locations: Spain
Here's what you need to know about how to get out from under your student loan debt fast. Interest rates play a role: High interest rates demand aggressive tactics. Key strategies to tackle your student loansBudgeting is your foundationThe path to paying down your student loans starts with a budget. When it's a federal student loan, that means knowing who your federal student loan servicer is, and that can change from time to time. To calculate how long it will take to pay off your loans, student loan calculators can help.
Persons: There's, Mark Reyes, Sallie Mae, Rick Castellano, it's, servicer, Reyes, Castellano, You'll Organizations: Albert, Chevron
PIMCO economist Peder Beck-Friis says that high US debt levels do not pose an immediate threat. Before that happens, volatility will rise in financial markets and the macro economy, he noted. AdvertisementInvestors shouldn't fear US debt crisis just yet, as the situation is more benign than it appears, PIMCO econmist Peder Beck-Friis wrote on Thursday. In an op-ed in The Financial Times, Beck-Friis wrote that investors will need to prepare for higher instability before policymakers treat the debt seriously. Like many other big-name market observers, he argued that the aggressive rise in the US debt will eventually hit unsustainable levels.
Persons: Peder Beck, Friis, , PIMCO econmist Peder Beck, Beck, Bill Gross, Ronald Reagan, Bill Clinton Organizations: Financial Times, Service, Financial, US Locations: Washington, Europe
After having my son nearly three years ago, I struggled with an almost debilitating embarrassment about my performance as a mother. His birth unleashed a sense that I somehow wasn't good enough, so I would have to overcompensate to be a good parent. I didn't know what to do, so I made an excuse and took my son somewhere else to play. That's why I went back to therapy two years ago when my son was 1. While many parents may feel shame in certain situations, I'm glad I sought out support, as I can now go anywhere with my son.
Persons: I've, I'd Organizations: Service
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