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I'm building my credit score, saving money for my down payment, and planning my housing budget. While you can't control interest rates or housing prices, you can take steps to improve your chances of becoming a homeowner. Build my credit scoreA strong credit score can significantly increase your chances of mortgage approval and help you qualify for better interest rates. Monitor my credit score quarterly through the three credit bureaus: Experian, TransUnion, and Equifax. Your credit score plays a pivotal role in determining mortgage approval and the interest rates you're offered.

Persons: Experian, I've, I'm, —, Ally, doesn't Organizations: Business, Service

You may be missing out on money-earning opportunities despite the stock market bull run. Here are five signs you're missing out on money during the current stock market bull run, according to financial advisors. You're hoarding cashHolding onto large sums of cash while the market is experiencing rapid growth is a major sign you're missing out on money-earning opportunities, like capital gains and compound interest. "When you add a stock or bond to your portfolio, you're either keeping the risk the same for potentially better returns, or you're decreasing risk while maintaining the same potential for return." You're trying to time the marketAttempting to time the market is not only time-consuming, but it's also a significant barrier to long-term financial growth.

Persons: Cash, Corbin Blackwell, Tom Graff, Gradd, Blackwell, Graff, Bonds, it's, doesn't Organizations: Business, Service, Social Security Locations: U.S

A new CFPB rule could cap overdraft fees to $5 for very large institutions starting next October. The best banks for avoiding overdrafts don't charge overdraft fees at all, but it's more common for banks to charge overdraft fees in the $20 to $40 range. Here's what you can expect to change and what you should do to take advantage of lower overdraft fees. AdvertisementFinancial institutions on the list that haven't eliminated overdraft fees have a couple of other options if they don't want to cap overdraft fees at $5. AdvertisementHow to mitigate overdraft fees nowWhile this rule would help you avoid high overdraft fees, there are ways you can lower the impact of overdraft fees on your budget regardless of whether the rule goes through.

Persons: overdrafts, Ally, Patrick O'Leary, Davidson, O'Leary, we've, Angela Moore, Moore, doesn't Organizations: Business, Service, Financial Protection, Bank of America, Ally Bank, Navy Federal Credit Union, Wealth Management, D.A, Modern Money Education Locations: Wells Fargo

Analysts initially thought mortgage rates would drop below 6% in 2025. Investors are pricing in expectations of higher inflation under the Trump administration, which has pushed mortgage rates up. After the November presidential election, many analysts began updating their mortgage rate forecasts to reflect higher rate expectations in 2025. Revised 2025 mortgage rate forecastMany analysts were initially predicting that 30-year mortgage rates would fall below 6% in 2025. Bond yields rose in anticipation of this outcome as a Trump win became more likely, which in turn pushed mortgage rates higher.

Persons: Trump, Realtor.com, Danielle Hale, Fannie Mae's, Hale, Donald Trump, they're, Rob Cook, Cook, it's, doesn't Organizations: Business, Service, Realtor.com, Mortgage Bankers Association, Trump, Federal Reserve, Discover

☆ Investing in healthcare innovation will be a powerful driver of returns: Principal Asset's Maris
▼ + stars: | 2024-12-12 | 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 EmailInvesting in healthcare innovation will be a powerful driver of returns: Principal Asset's MarisGeorge Maris, Principal Asset Management CIO, joins 'Money Movers' to discuss why Maris likes certain parts of the healthcare space, if the overall market feels euphoric, and much more.

Persons: Asset's Maris George Maris, Maris

When I first started learning how to budget, I meticulously tracked every penny in a spreadsheet. These gurus taught me that developing sound money habits was a vital first step to achieving both goals. While they sometimes disagreed about what those sound money habits should be, one recurring suggestion I encountered was to track every last penny I spent or earned. Second, confronting my spending habits in black and white gave me an honest view of where my money was going. While developing sound money habits is important, recognizing when they've outlived their usefulness is also important.

Persons: Suze Orman, J.D, Roth, overspending, they've, doesn't Organizations: Business, Service Locations: reallocate

☆ What a small group of America's centimillionaires believe about bitcoin and its political future
▼ + stars: | 2024-12-12 | by ( Laila Maidan | ) www.businessinsider.com time to read: +8 min

Here is how one group of initially skeptical centimillionaires got over their doubts, how they are now thinking about bitcoin, and how they invest in it. AdvertisementThe group's members, which make up a diverse bunch, range from 30 to 87 years old with the average being 45 to 55. But bitcoin's future price prospect isn't the only draw for R360 members. This perception isn't new or unique to R360 members. They're making their voice heard, 'this candidate, yes, because they're supportive of bitcoin, and this candidate, no, because they're not.'

Persons: Charlie Garcia, Garcia, Donald Trump, centimillionaires, Barbara Goodstein, bitcoin, Michael Saylor, you'll, Donald, who's, Bobby Kennedy's, they're, David Bailey, Bobby Kennedy, Bailey Organizations: Business, Trump, Bitcoin Conference, Bitcoin, Mar, BTC Inc Locations: bitcoin, Washington, United States, Nashville

For Love & Money is a column from Business Insider answering your relationship and money questions. This week, a reader's ex cheated on them with their roommate. Write to For Love & Money using this Google form. Dear For Love & Money,My roommate used to be my best friend until she cheated with my now ex-boyfriend. Getting your landlord involved may help defuse the financial tension your roommate might feel about breaking a lease.

Persons: —, haven't, I'm, You've, You'll, She's, doesn't Organizations: Business, Service Locations: Great

☆ 'Selling $1 bills for $3': Why bond buyers and equity investors can't get enough of bitcoin-obsessed MicroStrategy
▼ + stars: | 2024-12-07 | by ( James Faris | ) www.businessinsider.com time to read: +8 min

All they know is that it's a bitcoin company, run by one of the asset's most vocal evangelists. Bitcoin per share, and bitcoin value per share, reflect how many bitcoin investors are getting when they buy a share of MicroStrategy. So with a stock price of around $390, each MicroStrategy share gives investors exposure to 0.0017 bitcoin. There are several reasons, including that MicroStrategy's bitcoin count is steadily rising. Kotzman, who owns bitcoin and MicroStrategy shares, is confident that the company's bet — and, by extension, his own — will pay off in the long term.

Persons: Cryptocurrency maven Michael Saylor, MicroStrategy, bitcoin, who've, Michael Saylor, Saylor, Tim Kotzman, Steve Sosnick, Matthew Sigel, Sigel, They'll, they're, Kotzman, it's, Citron, That's Organizations: Nvidia, Business, BTC, Citron Research Locations: bitcoin, MicroStrategy

Investing in the stock market is crucial for maintaining spending power and hedging against inflation. The US stock market continues to soar through the final quarter of the year, with major indexes like the Dow Jones, Nasdaq, and S&P 500 hitting record closes on Wednesday. Here are four signs you're not investing enough in the stock market, according to financial advisors. The market's daily fluctuations can look intimidating, especially if you're new to stock investing, but not all volatility is bad. Moreover, long-term investing is generally less risky and provides opportunities for recovery from market downturns.

Persons: —, Dow Jones, Jerome Powell's, Tom Graff, Corbin Blackwell, Blackwell, doesn't, isn't, Graff Organizations: Service, Nasdaq, Savings, Social Security

☆ Bitcoin proving to be 'one of the best' Trump trades, says Nomura analyst
▼ + stars: | 2024-12-05 | 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 EmailBitcoin proving to be 'one of the best' Trump trades, says Nomura analystRob Subbaraman, head of global macro research at Nomura, discusses Bitcoin surpassing the $100,000 benchmark and the asset's outlook.

Persons: Rob Subbaraman Organizations: Trump, Nomura

A handful of stocks could see a rally ahead, according to a bullish price chart pattern closely watched by technical analysts. Take a look below at the stocks we found, using FactSet data: Disney is one of the companies that is about to form a "golden cross." The stock has ripped ahead this year, climbing more than 28.5% — just slightly higher than the broader-market's gains. Cadence Design Systems is another stock that could soon form the chart pattern. Indeed, analysts polled by FactSet have an overweight rating and $173.05 price target on shares, which implies a possible gain of 6.9%.

Persons: Daiwa, Disney, Wells Fargo, Joe Quatrochi, Quatrochi, Alastair Syme Organizations: Disney, Cadence Design, Nasdaq, Cadence Design Systems, Chevron, FactSet, Citi Locations: China

☆ In 4 years private credit will be double the size it is today, says Marathon Asset's Bruce Richards
▼ + stars: | 2024-12-04 | 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 EmailIn 4 years private credit will be double the size it is today, says Marathon Asset's Bruce RichardsBruce Richards, Marathon Asset Management CEO, joins 'Closing Bell' to discuss the private credit, threats to the sector and growth trajectory.

Persons: Bruce Richards Bruce Richards Organizations: Marathon Asset Management

In college, Shaan Patel used $3,000 in extra scholarship money to start a business that now earns $150,000 per year in passive income. He used $3,000 in extra scholarship money to invest in the earliest stage of his company, Prep Expert, a digital SAT and ACT prep course company. We can learn three things from Patel about starting a business that earns $150,000 annually in passive income. His first class took place in the summertime, between school semesters, and included 18 high school students eager to raise their scores. Patel used that money to hire more employees who could create digital courses and provide real-time tutoring for high school kids who needed help in other subjects.

Persons: Shaan Patel, Patel, Mark Cuban, —, you'll, weren't, doesn't Organizations: SAT, ACT, Service, Ivy League, Prep, Business, Tank, Cuban Locations: Las Vegas

When Erika Kullberg's law firm refused to accommodate a family emergency, she knew she had to quit. Kullberg left her law firm after she was denied an extension on a work assignment despite being in the middle of a family emergency. When Kullberg left her law firm — and her salary with it — these are the steps she took to ensure she'd still be financially secure. "I had a number of months I was very, very comfortable with, and so I made sure that that was saved up." "Ever since I was at a law firm, I was really frugal," she said.

Persons: Erika Kullberg's, —, Erika Kullberg, Kullberg, wasn't, doesn't Organizations: Finance, Service

☆ Investors are still 'early in the game' if they get into bitcoin now, says Bitwise Asset's Horsley
▼ + stars: | 2024-11-22 | 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 EmailInvestors are still 'early in the game' if they get into bitcoin now, says Bitwise Asset's HorsleyHunter Horsley, Bitwise Asset Management founder and CEO, joins CNBC's 'The Exchange' to discuss outlooks on bitcoin.

Persons: Bitwise Asset's Horsley Hunter Horsley Organizations: Investors, Bitwise Asset Management Locations: bitcoin

☆ The states Americans left behind to move to Florida — and where people moving out of Florida headed for greener pastures
▼ + stars: | 2024-11-22 | by ( Jordan Pandy | Noah Sheidlower | ) www.businessinsider.com time to read: +5 min

New census data shows that many more people moved into Florida than left between 2022 and 2023. Read on for an analysis of where movers to Florida came from — and where Sunshine State leavers headed for greener pastures. Related storiesPeople who move out of Florida tend to stay in the SouthSimilar to last year, Georgia was the most popular state for those leaving Florida. Some have told BI that they moved to North Carolina for the state's natural beauty and employment opportunities. "We didn't want to leave Florida," John told BI in 2023.

Persons: Derek Edwards, Edwards, Terry Gilliam, John, Natalia Organizations: Sunshine State, American Community Survey, Sunshine, Golden State Locations: Florida, Wisconsin, Colorado, Caribbean, Miami, —, York, California, Texas, New York, Georgia, North Carolina, Virginia, Tennessee, Alabama, South Florida, Dell Prairie , Wisconsin

☆ Banks will be a 'big buy' under Trump admin, says Marathon Asset's Richards
▼ + stars: | 2024-11-15 | 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 EmailBanks will be a 'big buy' under Trump admin, says Marathon Asset's RichardsBruce Richards, Marathon Asset Management CEO, joins 'Money Movers' to discuss what Richards has been doing following Trump's reelection, what industries will be impacted by a new administration, and much more.

Persons: Asset's Richards Bruce Richards, Richards Organizations: Trump, Marathon Asset Management

She says everyone should invest in crypto, but not if you're investing money you can't afford to lose. Exchange-traded funds or mutual fundsExchange-traded funds (ETFs) and mutual funds are a great way to buy into the market without cherry-picking individual stocks, says Tu. Mutual funds, on the other hand, are a group of stocks and other assets typically handled by a fund manager to maximize profits. Real estate investment trustsA real estate investment trust (REIT) is a company that owns, operates, and invests in income-producing rental properties. With some of the best real estate investing apps, you can start investing with as little as $10.

Persons: Wall Streeter Vivian Tu, —, Vivian Tu, doesn't, They're Organizations: Service, Exchange, Mutual, Apple, Disney Locations: YOLO, cryptocurrency

☆ Meet the billionaires battling it out in the 2024 World Series
▼ + stars: | 2024-10-26 | by ( Madeline Berg | ) www.businessinsider.com time to read: +5 min

The Dodgers and Yankees will face off in the MLB 2024 World Series. AdvertisementWhen the Dodgers and Yankees take the field to battle it out for the 120th World Series championship, the players won't be the only ones with trophies on the line. The financier is worth $6 billion, according to Forbes. Now, the team is owned by George's kids, Hank Steinbrenner, Jessica Steinbrenner, Hal Steinbrenner, and Jennifer Steinbrenner Swindal. Related storiesThe bulk of the Steinbrenners' fortune is tied up in the Yankees, which is MLB's most valuable franchise, worth $7.93 billion, according to Sportico.

Persons: Mark Walter, Steinbrenner, —, Walter, Magic Johnson, Stan Kasten, I'm, Johnson, George Steinbrenner, Hank Steinbrenner, Jessica Steinbrenner, Hal Steinbrenner, Jennifer Steinbrenner Swindal, Forbes, I've, Marc Lasry, Sportico, Banks, Goldman Sachs, Ivo Voynov Organizations: Dodgers, Yankees, Sports, Service, Guggenheim Partners, Forbes, Atlanta Braves, Los Angeles, MLB, Los Angeles Times, CBS, franchise's YES, Major League Soccer's New, Major League Soccer's New York City FC, Legends Hospitality, Italian soccer, AC Milan, Professional, Yankee, Milwaukee Bucks, Citi Private Bank Locations: Major League Soccer's New York, Italian

☆ 4 ways to add gold to your portfolio as investors pile in and send prices to record highs
▼ + stars: | 2024-10-24 | by ( Christine Ji | ) www.businessinsider.com time to read: +6 min

Below, two gold experts share four ways investors can add gold to their portfolios. AdvertisementIn general, physical gold is a less liquid way to own the asset and is quite costly. Synthetic gold ETFs don't hold physical gold, investing instead in gold derivatives such as futures and options. In Milling-Stanley's opinion, investing in mining stocks instead of directly investing in gold erodes some of the metal's portfolio protection, as mining stocks behave more in line with the general equity market. Royalties limit the holder's exposure to the risks associated with directly investing in mines, such as exploration, development, and regulatory compliance.

Persons: —, Jeff Muhlenkamp, they'll, George Milling, Stanley, Muhlenkamp Organizations: Service, Costco, Muhlenkamp & Company, State Street Global Advisors, Trust, MiniShares, Mining, Eagle Mines, Newmont Mining Corp, Wheaton Precious Metals Locations: Franco, Nevada

For Love & Money is a column from Business Insider answering your relationship and money questions. Write to For Love & Money using this Google form. In the best case, you spend $10 and never have to think about it again. As for donating the money, you already know the right thing to do deep down. Write to For Love & Money using this Google form .

Persons: it's, —, There's, I'm, she's, you'll, there's, doesn't Organizations: Business, Service

For Love & Money is a column from Business Insider answering your relationship and money questions. Write to For Love & Money using this Google form. Dear For Love & Money,I am wealthy, and my friends always hint about their money problems. I don't know what to do. Write to For Love & Money using this Google form .

Persons: —, I've, you've, it's, doesn't Organizations: Business, Service Locations: Maui, tiptoe

☆ How rich Americans can save on taxes by giving stock and real estate to their parents
▼ + stars: | 2024-10-13 | by ( Hayley Cuccinello | ) www.businessinsider.com time to read: +6 min

Selling appreciated assets like stock and real estate can trigger high capital gains taxes. She estimates that only a quarter of clients actually go through with upstream planning after discussing it. Thanks to tax cuts made during the Trump administration, individuals can gift or bequeath $13.61 million before triggering a 40% federal estate tax. The federal estate tax doesn't kick in as long as the grandparents' estate does not exceed $27.22 million, the exemption for a married couple. It is possible to unintentionally trigger estate taxes if the assets exceed the exemption amount by the time the parents die.

Persons: —, Pam Lucina, Lucina, Trump, Robert Strauss, Weinstock Manion, haven't, Strauss, You've Organizations: Service, Capital, Northern Trust

For Love & Money is a column from Business Insider answering your relationship and money questions. This week, a reader won't be able to afford to visit their friend when she moves. Write to For Love & Money using this Google form. I imagined us living as roomies in the retirement home someday," keep your love for your friend front and center. Write to For Love & Money using this Google form .

Persons: —, I'm, We're, aghast, Marco Polo, We're millennials, doesn't Organizations: Business, Service Locations: California

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