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Here's our Club Mailbag email investingclubmailbag@cnbc.com — so you send your questions directly to Jim Cramer and his team of analysts. There are two high-level factors that determine an options price, intrinsic value and time value. How does an investor know if when buying stock, they are buying company shares or trading shares with other investors . In a prior mailbag answer (see an excerpt above), we talked about how to go about doing this analysis. In other words, the valuation — be it based on price-to-earnings or a discounted cash flow model — is far more important than the stock price.
Persons: Jim Cramer, — Richard L, it's, Vega, — Dan M, Michele T, Will, Felix M, That's, we're, — Rich, , Jim Cramer's, Jim, Jeffrey Coolidge Organizations: Theta, New York Stock Exchange, Nasdaq, Dow, Investing, Charitable, Jim Cramer's Charitable, CNBC, Iconica, Getty
When my husband was unemployed for seven months, his morale and confidence slipped. I remember one time a hiring manager told my husband, "We'll let you know by Wednesday. I also reminded him the struggle to find a new job wasn't a reflection on him but on the current system. I helped my husband lean into routine and other support systemsAnother way I helped my husband remain grounded during unemployment was to establish a daily routine. Our support system was family and friends, who joked at our extra frugality and shared in our victories and disappointments.
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But as the country contends with a housing crisis, the fastest growing use of these spaces is apartment complexes, real estate developers said. At least a dozen more apartment projects are underway at malls across the country, including in California, Florida, Arizona and Texas. For developers, adding apartments can not only fill a need, but also bring people closer to their remaining retail stores and restaurants. The Lafayette Square Mall in Indianapolis is slated to open 1,200 apartment units, including affordable housing in a former Sears building, beginning in 2025. Take The Arcade in Providence, Rhode Island – the oldest indoor shopping mall in the country.
Persons: Jacob Knudsen, we're, There's, Oscar Parra, liv, any of the hou, 200 ap, Howe, Amy, enio, cade, bui, alon g, He estima, venu, Mal, mila, Joh, John B, hite, tur, ker, ryo, TJ, Bo, Borchardt, ake o Organizations: U.S, JCPenney, Sears, NHL, Pacific Retail Capital Partners, ust, Uni, ersity Locations: Broomfield , Colorado, U.S, California , Florida , Arizona, Texas, erie, Bor
You can check your first bag free on Delta flights, saving up to $70 on a round-trip Delta flight per person. The exceptions are flights to South America, as well as transatlantic and transpacific flights, which allow a carry-on bag. Spirit AirlinesFees for checked and carry-on baggageSpirit charges varying fees for checked bags and carry-on bags. Opt for a carry-on bag whenever possible, as most airlines allow at least one free carry-on bag. Oversized bags: Fees for oversized bags depend on the bag's dimensions.
Persons: aren't, Doesn't, stow, Miles, it's, Harlan Vaughn Harlan Vaughn, he’s, Harlan, Read Organizations: Business Insider, Citi, Mastercard, JetBlue, Alaska Airlines, U.S . Airlines, American Airlines, U.S, U.S ., Airlines, Delta Airlines, United, New Zealand, Delta, Express Card, U.S . Supermarkets, PayPal, United Airlines, United ®, United Club, , FDIC, Southwest Airlines, Southwest ®, Rapid, Southwest, Rapid Rewards, JetBlue Plus, Card, Alaska, Spirit Airlines, Chase, American Express, Frontier Airlines, Frontier, American, Citi ® Locations: Puerto Rico, U.S, U.S . Virgin, Canada, Caribbean, Mexico, Central America, Guyana, Cuba, North America, South America, China, Japan, South Korea, Hong Kong, India, New Zealand, Europe, Israel, Qatar, Australia, Suriname, Panama, San Pedro Sula, Honduras, San Salvador, El, North, South, North Africa, South Africa, Emirates, New, Brazil, East, Africa, Asia, Central, delta.com, Delta, California , Idaho , Oregon, Washington, Dallas , Texas
September's robust job growth signaled what looks like a booming labor market. In general, the job market is booming. There's some tension hiding in the dataOn its face, the labor market is looking rosy. Job openings ticked up in August but have been broadly declining since 2022, adding to the tough labor market picture for job seekers. Related storiesEven though the labor market has cooled, it's largely done so without mass layoffs or a full-blown recession.
Persons: , ​ ​ Cory Stahle, they're, Liz Wilke, Elizabeth Renter, Matt Colyar, Claudia Sahm, Julie Su, Wilke, It's Organizations: Service, Workers, Moody's, New Century Advisors, mhoff
Why finding a job is so awful right now
  + stars: | 2024-09-15 | by ( Tim Paradis | ) www.businessinsider.com   time to read: +9 min
I'm still unemployed," Jolles told Business Insider. AdvertisementIn any case, Jolles, who describes himself as an "older" tech worker, felt depleted by the job search in California. Averett believed the position wasn't a good fit for her, but she also knew from her experience in HR how tough a job search could be. As someone who works in HR, she gets what it's like to be inundated with applications from job seekers like her. Given how fruitless his job search has been, Cash plans to soon give it up.
Persons: , David Jolles, I'm, Jolles, It's, Nick Bunker, Bunker, Jason Henninger, Heller, bupkis, Jenitta Averett, Averett, she's, — Averett, it's, Kevin Cash, he'd, Cash, Uber, he's, I've, Kevin Cash Ben Boxer Cash's Organizations: Service, Business, UPS, LinkedIn, Navy Locations: Silicon Valley, It's, Atlanta, America, Georgia, California, Covid, Hampton , Virginia, Portland , Oregon
I made classic vanilla ice cream using the bag trick, blender method, and Ninja Creami. The Ninja Creami required over 24 hours of time and the bag method took about 15 minutes. I liked the three-ingredient blender method the best because the ice cream had a great texture. AdvertisementI love frozen treats and always thought there was something about making homemade ice cream out of just a few, simple ingredients that's extremely satisfying. I made traditional vanilla ice cream three ways using the bag trick, the three-ingredient blender method, and my $200+ Ninja Creami.
Persons: Creami, , who'd Organizations: Service, Business
download the appSign up to get the inside scoop on today’s biggest stories in markets, tech, and business — delivered daily. Austin Wang, a class-of-2025 computer-science major at Yale University, said students were "scared that engineering roles will be replaced in the future." Handshake found that fewer prospective business graduates were applying to consulting roles and that more were seeking positions in customer relations, marketing, and analytics compared with last year. Handshake's analysis suggested tech job postings geared toward fresh graduates fell by 30% compared with last year. Advertisement"It's quite bad for entry-level jobs in general but even worse for international students," she said.
Persons: , It's, Goldman Sachs, Morgan Stanley, Austin Wang, Fabrice Coffrini, Beth Hendler, Matthew Park, Anika Nair, Rutgers University . Austin Wang, Anika Nair Yale's Wang, Wang, Amr Alfiky, you'll, Adnan Hussain, Christine Cruzvergara, Richard Carruthers, I've Organizations: Service, Management, Big Tech, National Association of Colleges, Employers, Business, New York Times, Yale University, McKinsey & Company, Boston Consulting Group, Bain & Company, Accenture, McKinsey, Getty Images Industry, Yale, Tech, Companies, Ivy League, Rutgers University ., Rutgers University, JPMorgan —, Investment, Citigroup, JPMorgan, Deutsche Bank, Finance, Reuters, National University of Singapore, Imperial College London, KPMG, Deloitte, HSBC, Amazon Web Services Locations: Wall, AFP, Singapore
Read previewA wealthy family wants to hire a private tutor for their two young children. The position includes a minimum annual salary of $180,000, nine weeks of annual vacation, and accommodation and travel expenses. The UK-based tutoring agency Tutors International, searching for the highly lucrative tutoring role, has been described as the "Dom Perignon" of the industry. "In 2001, we thought charging a client £28,000 ($35,000) a year was a lot of money," Caller told Business Insider. Advertisement"Graduates from elite universities are often making a Faustian pact: serving the wealthy to pay their post‐graduation debts," he said.
Persons: , Dom Perignon, Adam, Jerome Barty, Taylor, Lu ShaoJi, Mark Bray, Bray, it's, Lee Elliot Major, you've Organizations: Service, Business, International, Oxford, Cambridge University, Ivy League grads, UNESCO, Comparative, University of Hong, Monaco, Social Mobility, University of Exeter Locations: Europe, Hong Kong, Champagne, Cambridge, Oxford, Dubai, University of Hong Kong, London, Russia, Britain
Neilson, 59, went into retail management after earning a general studies degree with a business concentration. "The money that I would like to be able to contribute to a retirement account is going to go instead to pay student loans." BI has previously spoken to some other older adults who have struggled with career progression later in life. For example, Crystal, a 62-year-old, never received a college degree, and it's kept her from progressing in the workforce. "With my age, I was just not attractive on paper, and not having a college degree was always a factor, too," Crystal said.
Persons: Kris Neilson's, Neilson, it'll, She'll, I'm, it's, Crystal Organizations: Service, BI, National Bureau of Economic Research, Gallup, Lumina Foundation Locations: Neilson
Facing an Endless Barrage, Ukraine’s Air Defenses Are WitheringThis is what a year of Russian missile strikes on Ukraine looks like. Ukrainian air defenses used to intercept most missiles, but in recent months, more and more have made it through. Ukraine has made increasingly desperate pleas for more air defenses from its Western allies. But it could be months before enough weapons arrive to significantly bolster Ukrainian air defenses. Ukrainian air defenses downed the first seven — but had no choice but to let the next four pass, he said.
Persons: Jan, Volodymyr Zelensky, , , Tom Karako, Maj, Ilya Yevlash, Konrad Muzyka, Odesa, Yevlash, Justin Bronk, Mr, Bronk, Barber Organizations: Russian, New York Times, Ukrainian Air Force, Patriot, United, Kremlin, PBS, Missile Defense, Center for Strategic, International Studies, Ukrainian Air, Patriots, Rochan Consulting, Kyiv Kharkiv Dnipro Odesa, Kyiv Kharkiv Dnipro Odesa Kyiv, Kyiv Kharkiv Dnipro Kyiv, Royal United Services Institute Locations: Russian, Ukraine, Russia, United States, Kyiv, Ukrainian, Washington, Poland, Dnipro, Zaporizhzhia, Kharkiv, Odesa, Dnipropetrovsk, Texas, London
She anticipates having to work part-time in retirement to supplement Social Security. And I was always counting on Social Security, knowing I can't live on it only, but I just thought it would be more than what it's going to be." Crystal has just over $70,000 in savings, according to documents verified by BI, and she anticipates getting around $1,200 a month in Social Security. AdvertisementIt means that a lot of them will primarily rely on Social Security — and the program is projected to no longer be able to pay out full benefits by 2035 unless Congress intervenes. Related storiesCrystal said that with all of her daily expenses, her finances are strained, and she doesn't think she'll ever be able to fully retire.
Persons: didn't, , Crystal —, that's, she's, She's, I've, Crystal, they're, Diane Senffner, Senffner, — Crystal, I'm Organizations: Social, Service, Business, Social Security, BI, AARP, Alliance, Lifetime, Security, Bills, Wall, Walmart
Read previewApple products appear to be sporting a new aesthetic with its case for the Vision Pro. The Apple Vision Pro travel case is a white, bulbous pouch designed to protect the $3,500 mixed reality headset when carried on the go. Product reviewers say the $200 Apple Vision Pro travel case sports a different look than Apple's typical accessories. Despite the concerns, reviewers agree that the case fits their Vision Pro headsets and accessories well. "I just bought a $200 camping pillow to put my Vision Pro inside,"he said.
Persons: , Derrick Gee, Gee, Faiz Aly, Matt Gray, Cliff Shin, Shin, Aly, TechWeWant, Gray Organizations: Service, Vision, Apple Vision, Apple, Business, NASA, YouTube, University of Illinois Locations: University of Illinois Urbana, Champaign
Read previewComputer science major Oliver Wu says he pulled out all the stops in his quest for a summer internship. This story is available exclusively to Business Insider subscribers. "I started applying in July, and soon I hit 200 applications," Wu said, adding that he was making 15 to 20 applications a day before the school term began. AdvertisementLast week, Google CEO Sundar Pichai told staff to brace for more job cuts this year. Wu did not immediately respond to a request for comment from Business Insider sent outside regular business hours.
Persons: , Oliver Wu, Wu, Wu isn't, Sundar Pichai, Pichai Organizations: Service, University of Michigan, Business, Newsweek, Ford, Tech, Business Insider
The judge in Trump's fraud trial lashed out, again, at his lawyer. Trump's lawyer, on Friday, asked permission to criticize her. AdvertisementAdvertisementA baffled, irked judge overseeing Donald Trump's family company's fraud trial in Manhattan criticized one of his lawyers again for his repeated attacks on his law clerk. "It's a shame you've descended to this level," New York Supreme Court Justice Arthur Engoron told Trump's lawyer Christopher Kise. Asked by a lawyer from the New York Attorney General's office what reporting Kise was talking about, the Trump lawyer was unsure.
Persons: , Donald Trump's, Arthur Engoron, Christopher Kise, Trump, Kise, Engoron, who's, Allison Greenfield, I'm, Breitbart, Brock Fredin, Greenfield, Fredin ., Eric Trump, Dave Sanders, Eric, nodded, he'd, he's, Kevin Wallace Organizations: Trump, Service, New York Attorney, Breitbart, New, Democratic, Fredin, New York, Trump Organization Locations: Manhattan, Greenfield, Wisconsin, New York
Michael Nagle | Bloomberg | Getty ImagesShares of Peloton sank about 6% in premarket trading Thursday after the company reported a wider-than-expected quarterly loss, a tepid holiday forecast and "bad news" for paid subscriptions. That falls short of the $763.2 million analysts had expected for the company's fiscal second quarter, according to LSEG. It's forecasting paid app subscriptions to be between 660,000 and 680,000, representing a 21% year-over-year drop off and 12% sequential churn. For the full year, Peloton expects paid app subscriptions to drop 6% to between 700,000 and 850,000 and revenue to fall 2% to $2.7 billion to $2.8 billion. It ended the quarter with 763,000 paying Peloton app subscribers, 65,000 fewer than the prior quarter.
Persons: Michael Nagle, Barry McCarthy, McCarthy Organizations: Interactive, Bloomberg, Getty, LSEG Locations: New York, U.S, Canada
Gig drivers are likely to be dependent on the job for their main income, and need your tips. Omar FordIf the economy takes a turn for the worse and unemployment rises, the number of gig drivers could increase even further. The typical gig driver earns between $20 and $40 an hourSergio Avedian. The typical Uber driver earns $35 per active — or utilized — hour, the company said in February. In September, four ride-hailing drivers told Insider that they earn between $22 to $40 an hour after expenses.
Persons: , DoorDash, Lyft, Omar Ford, Uber, he'd, Robert Alexander, Gen Zers —, Sergio Avedian, Guy, doesn't, New York City, they've, Nathaniel Hudson, Hartman Nathaniel Hudson, Hartman, Jeff Hoenig, Avedian Organizations: Service, Morning, Pew, New York Daily News, Tribune, Getty, Bank of America, The New York Times Locations: Los Angeles, New York, New York City Ribeiro, New, South Carolina, Portland
CNN —Western Australia may soon be home to the world’s tallest wooden building, after authorities in Perth green-lit plans for a 191.2-meter-tall (627-foot) “hybrid” tower constructed using mass timber. The developers say 42% of the proposed tower will be constructed from timber, with the columns and core made of reinforced concrete. If completed, the high-rise will surpass the world’s tallest timber-concrete hybrid building, the Ascent tower in Milwaukee, Wisconsin, which stands at 25 stories or 86 meters (284 feet), according to the Council on Tall Buildings and Urban Habitat. Like Atlassian, the proposed C6 tower will combine laminated timber beams with a steel exoskeleton to support the the structure. Video Ad Feedback A short history of the world's tallest buildings 04:24 - Source: CNNBeyond using timber, Grange’s plan also includes green features such as a rooftop garden, an urban farm and resident access to 80 new fully-electric Tesla Model 3s.
Persons: ” Grange, James Dibble, ” Dibble, Philip Oldfield, ” Oldfield, , Oldfield, Organizations: CNN, Grange Development, Western, Tesla, University of New, University of New South Wales ’ School, Built Locations: Western Australia, Perth, Milwaukee , Wisconsin, South Perth, Sydney, Grange, , University of New South
Whether she was advocating for equal pay and racial justice or just scoring a rare goal off a corner kick, Megan Rapinoe was always unabashedly authentic during her soccer career. Rapinoe sobbed following the U.S. loss to Sweden at this summer's Women's World Cup, knowing it would be her final tournament with the national team. "I’ve just loved every moment of my career,” she said through tears at the World Cup last month in Australia. At the 2019 World Cup in France, Rapinoe scored six goals, including a penalty in the final against the Netherlands. Rapinoe led her team's long fight for equal pay with their men's national team, which started with an EEOC complaint back in 2016.
Persons: Megan Rapinoe, Rapinoe, I’ve, , “ I’ll, Kelley O'Hara, There's, Christine Sinclair, “ I’ve, We’re, she’s, ” Sinclair, She’s, Ballon, Megan, Lynn Williams, Donald Trump’s, “ She’s, Jill Ellis, Colin Kaepernick, , ” Rapinoe Organizations: Portland, Chicago's, Rapinoe, University of Portland, Pilots, Portland Pilots, FIFA, Ballon d'Or, national, U.S, Soccer, House, San Francisco 49ers, Sweden, soccer's Locations: Sweden, Australia, U.S, United States, South Africa, Seattle, Portland, Canada, France, Netherlands, New York City
A Gen Z couple each pay $650 a month for a microstudio they split in the East Village. They say looking out over bustling St. Marks Place makes the apartment even more special. They also have a fire escape that overlooks the main stretch of St. Marks Place, a bustling street with lots of nightlife. AdvertisementAdvertisementBoth partners said that sharing such a small space has helped their relationship. And the constant noise and commotion on St. Marks gives Wallace a certain peace of mind, she said.
Persons: they've, Elana Wallach, Luis Cortorreal, Wallach, Alexander Bruni, Cortorreal, Bruni, Elana Wallach Wallach, we're, Axel Webber, We've, it's, Marks, Wallace, I've Organizations: Service, Yorkers, Square Property Management Locations: East, St, Wall, Silicon, Baltimore, Manhattan, Queens, Marks, Brooklyn, Jersey City
CNN —Travelers looking to rent an apartment for a few days in New York City will find slimmer pickings now that city officials have started enforcing new rules cracking down on short-term rentals. Airbnb has called the rules a “de facto ban” on short-term rentals (STRs) that will hurt hosts and the tourism economy. The requirements for approval are strict and follow laws that pre-date the new registration rules. Hanson said that long-term average hotel occupancy in New York City is between 80% and 85%, well above the national average between 62% and 67%. Thousands of listings across various booking sites will be affected as the new registration rules are enforced.
Persons: Airbnb, , Christian Klossner, Andrew Lichtenstein, ” Theo Yedinsky, Bjorn Hanson, Jonathan M, Hanson, ” Hanson, ” Airbnb Organizations: CNN, Travelers, NYC’s, Special, Expedia, New York, Tisch Center of Hospitality, New York University, isn’t, Marriott, Hilton, CNN Travel, Local Locations: New York, , York, New York City, “ New York
China operates talent programs at various levels of government, targeting a mix of overseas Chinese and foreign experts. China has previously said its overseas recruitment through the TTP aimed to build an innovation-driven economy and promote talent mobility, while respecting intellectual property rights, according to the state-run Xinhua news agency. It said that anyone who recommends a candidate who is then selected for the talent programs would receive "diamonds, bags, cars, and houses". In some cases, these people said, those experts will be offered roles at Chinese chip companies' overseas operations. ($1 = 7.1475 Chinese yuan renminbi)Reporting by Julie Zhu, Fanny Potkin, Eduardo Baptista and Michael Martina; editing by David CrawshawOur Standards: The Thomson Reuters Trust Principles.
Persons: Florence Lo, Xi Jinping, Qiming, Dean Boyd, Nick Marro, Chen Biaohua, Chen, Ma Yuanxiao, Dawei Di, Di, Zhuji, Julie Zhu, Fanny Potkin, Eduardo Baptista, Michael Martina, David Crawshaw Organizations: REUTERS, Washington, Reuters, China, Ministry of Industry, Information Technology, U.S . Commerce Department, Xinhua, Ministry of Science, Technology, U.S, government's National Counterintelligence and Security Center, Economist Intelligence, China Center for Information Industry Development, China Semiconductor Industry Association, Qiming, Massachusetts Institute of Technology, Harvard, Stanford, HK, LinkedIn, Hangzhou Juqi Technology, Fortune, Beijing Institute of Technology, BIT's School of Integrated Circuits, Electronics, Britain's University of Nottingham, University of Hong, BIT, Communist Party's Organization Department, Zhejiang University, Communist Party, Thomson Locations: China, HONG KONG, SINGAPORE, WASHINGTON, U.S, China's, Qiming, Beijing, Hangzhou, ResearchGate, University of Hong Kong, Ma, Zhejiang, Wenzhou, Cambridge
China operates talent programs at various levels of government, targeting a mix of overseas Chinese and foreign experts. China has previously said its overseas recruitment through the TTP aimed to build an innovation-driven economy and promote talent mobility, while respecting intellectual property rights, according to the state-run Xinhua news agency. It said that anyone who recommends a candidate who is then selected for the talent programs would receive "diamonds, bags, cars, and houses". In some cases, these people said, those experts will be offered roles at Chinese chip companies' overseas operations. ($1 = 7.1475 Chinese yuan renminbi)Reporting by Julie Zhu, Fanny Potkin, Eduardo Baptista and Michael Martina; editing by David CrawshawOur Standards: The Thomson Reuters Trust Principles.
Persons: Florence Lo, Xi Jinping, Qiming, Dean Boyd, Nick Marro, Chen Biaohua, Chen, Ma Yuanxiao, Dawei Di, Di, Zhuji, Julie Zhu, Fanny Potkin, Eduardo Baptista, Michael Martina, David Crawshaw Organizations: REUTERS, Washington, Reuters, China, Ministry of Industry, Information Technology, U.S . Commerce Department, Xinhua, Ministry of Science, Technology, U.S, government's National Counterintelligence and Security Center, Economist Intelligence, China Center for Information Industry Development, China Semiconductor Industry Association, Qiming, Massachusetts Institute of Technology, Harvard, Stanford, HK, LinkedIn, Hangzhou Juqi Technology, Fortune, Beijing Institute of Technology, BIT's School of Integrated Circuits, Electronics, Britain's University of Nottingham, University of Hong, BIT, Communist Party's Organization Department, Zhejiang University, Communist Party, Thomson Locations: China, HONG KONG, SINGAPORE, WASHINGTON, U.S, China's, Qiming, Beijing, Hangzhou, ResearchGate, University of Hong Kong, Ma, Zhejiang, Wenzhou, Cambridge
CNN —Megan Rapinoe said it has been an “honor” to play for the United States after making her fourth and final appearance at a Women’s World Cup. Before the tournament, the 38-year-old announced that this would be her final year as a professional soccer player and she now returns to her National Women’s Soccer League team, OL Reign, for the remainder of the season. Rapinoe (center) celebrates with teammates after facing Wales before the start of the World Cup. In 2022, she became the first soccer player to receive the Presidential Medal of Freedom. Speaking to Fox Sports after the defeat against Sweden, Rapinoe called it a “sick joke” and “dark comedy” that the US had dominated much of the game before being knocked out in cruel fashion on penalties.
Persons: Megan Rapinoe, , Rapinoe, ” Rapinoe, John Hefti, Féminin – Organizations: CNN, Sweden, National Women’s Soccer League, Instagram, Wales, USA, Network, Reuters, Fox Sports Locations: United States,
In the student loan case, the 6-3 conservative majority, including Barrett, concluded that the student loan law in question did not give the secretary of education the power to cancel broad swaths of loans. “Though this grant of apple-purchasing authority sounds unqualified, a reasonable clerk would know that there are limits,” she wrote. “For example, if the grocer usually keeps 200 apples on hand, the clerk does not have actual authority to buy 1,000 – the grocer would have spoken more directly if she meant to authorize such an out-of-the-ordinary purchase,” Barrett wrote. “In my view, the major questions doctrine grows out of these same commonsense principles of communication,” Barrett wrote. ““The broadly worded ‘waive or modify; delegation IS the HEROES Act, not some tucked away ancillary provision,” Kagan wrote, referring to the relevant student loan program statute.
Persons: Amy Coney Barrett, Joe Biden’s, , Barrett, , , ” Barrett, ” “, Justice Elena Kagan, Kagan, ” Kagan, BARRETT, BARRETT’s Organizations: CNN, Supreme Court
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