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☆ The NHL has strict rules for how much teams can spend. Here's how it works
▼ + stars: | 2024-11-20 | by ( Jake Piazza | In | ) www.cnbc.com time to read: +4 min

The pay limit has been in place since the end of a labor dispute that caused the cancellation of the entire 2004-05 NHL season. Sports business experts said the strict salary cap has helped the league's financial health since the full season stoppage. The hard salary cap is a stark difference from Major League Baseball and the National Basketball Association, which have no salary cap and a soft salary cap, respectively. But the hard cap means NHL teams have to be especially diligent. The NHL is planning to start negotiations with the NHLPA in early 2025, NHL Commissioner Gary Bettman said at this year's NHL Board of Governors meeting.

Persons: NHLPA, Rick Burton, Burton, Irwin Kishner, Herrick Feinstein, It's, Jalen Brunson, Gary Bettman Organizations: Florida Panthers, Stanley, Edmonton Oilers, Amerant Bank, National Hockey League, NHL, Toronto Maple Leafs, Columbus Blue Jackets, Official, National Hockey League Players Association, CBA, Syracuse University, Major League Baseball, National Basketball Association, National Football League, firm's Sports Law, Los Angeles Dodgers, Athletic, New York Knicks, ESPN, Governors Locations: Sunrise , Florida, American

☆ A smart way to follow value investor David Einhorn into his latest play that generates income to boot
▼ + stars: | 2024-11-14 | by ( Michael Khouw | ) www.cnbc.com time to read: +6 min

Value investors believe these companies are undervalued due to temporary issues, market overreactions, or broader economic conditions. The approach is long-term, as value investors wait for the market to recognize the company's actual value, which may take time. On a podcast earlier this year, well-known hedge fund manager David Einhorn of Greenlight Capital lamented that modern-day passive investors pay no attention to "value" of the companies they buy. Outcome Scenarios : If the stock price stays above the strike price, the option expires worthless, allowing the investor to keep the premium as profit. If the stock price falls below the strike price, the option buyer will likely exercise it, obligating the seller to buy the stock at the strike price.

Persons: Benjamin Graham, Warren Buffett, David Einhorn, CNH Organizations: Greenlight, Deere & Co, Agco Corp, Farmers, CNBC, NBC UNIVERSAL

☆ Increasing consumer confidence is driving some of the spending momentum: BofA's Liz Everett Krisberg
▼ + stars: | 2024-11-12 | 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 EmailIncreasing consumer confidence is driving some of the spending momentum: BofA's Liz Everett KrisbergLiz Everett Krisberg, head of Bank of America Institute, joins ‘Squawk Box’ to break down the Institute’s October Consumer Checkpoint Report, which provides real-time consumer spending and financial health estimates.

Persons: Liz Everett, Liz Everett Krisberg Organizations: Bank of America Institute

☆ Americans are doom spending
▼ + stars: | 2024-11-10 | by ( Erika Tulfo | ) edition.cnn.com time to read: +7 min

While this kind of catharsis might work to temporarily allay worries, experts say doom spending poses a danger to consumers’ long-term financial health. Joe Raedle/Getty ImagesThat financial gloom is powering doom spending and, in turn, driving up credit card debt. Beyond the economy, experts say that internet habits play a significant role in driving doom spending, especially for younger consumers. But Alev says that she anticipates a pop in spending whether Americans feel positively or negatively about the outcome of the election. How do you curb doom spending?

Persons: ”, Gen, “ We’re, Courtney Alev, “, Alev, Donald Trump, Trump, Kamala Harris, —, Sertan Kabadayi, Joe Raedle, Bankrate, Aja Evans, ’ ” Evans, hasn’t, ” Alev, Jeff Roberson, Biden, Evans Organizations: CNN, Wheaton College senior, YouTube, Credit, Gallup, Fordham University’s Gabelli School of Business, Federal, Federal Reserve Bank of Philadelphia, Finance, Brookings Institution Locations: Massachusetts, Miami , Florida, West Palm Beach , Florida

☆ Apple earnings live updates: Wall Street watching for AI updates around iPhone, consumer-spending guidance
▼ + stars: | 2024-10-31 | by ( Matthew Fox | ) www.businessinsider.com time to read: +2 min

Apple's stock is up about 19% in 2024. Apple's earnings results can have knock-on effects for the many public companies that supply it with components for its iPhones, iPads, and Mac computers. Investors will also extrapolate what Apple's results could mean for consumers' financial health. Apple stock is up about 19% year-to-date, slightly behind the S&P 500's gain of about 22%. Check in for live updates on Apple's earnings results throughout the day.

Persons: —, Tim Cook Organizations: Apple, Service

☆ Meta set to report Q3 earnings after the bell
▼ + stars: | 2024-10-30 | by ( Jonathan Vanian | In | ) www.cnbc.com time to read: +2 min

Mark Zuckerberg, chief executive officer of Meta Platforms Inc., arrives for the Meta Connect event in Menlo Park, California, US, on Wednesday, Sept. 25, 2024. Meta is slated to report third-quarter earnings on Wednesday after the close of regular trading. Meta's results come a day after digital ad companies Alphabet , Reddit and Snap all reported solid quarterly earnings. Microsoft reports after the bell on Wednesday, and the big week for tech earnings wraps up on Thursday, when Apple and Amazon report quarterly financials. If Meta hits analysts' expectations for third-quarter revenue, that would represent 18% year-over-year growth, down from 23% a year ago.

Persons: Mark Zuckerberg, LSEG, Jeff Bezos, Zuckerberg, Bernstein, Meta Organizations: Meta, Inc, Amazon, Bloomberg, Microsoft, Apple Locations: Menlo Park , California, China

☆ Denny's is closing 150 locations in the latest sign of the squeeze on family dining
▼ + stars: | 2024-10-25 | by ( Nora Redmond | ) www.businessinsider.com time to read: +4 min

AdvertisementDenny's is the latest casualty of the squeeze on family dining chains, announcing this week that it plans to close about 150 locations before 2026. "We believe this is absolutely the right thing to do to make our system stronger," Denny's CEO Kelli Valade told investors. "Everyone has lost traffic," Denny's CEO Valade said. The turn toward takeoutThe rise in takeout has also impacted family dining as more customers look to order food in rather than go out. "They are drawing customers away from traditional family dining establishments," Puzhakov said.

Persons: —, Kelli Valade, Valade, Gregg Majewski, Neil Saunders, Tomas Gorny, Gorny, Elijah Puzhakov, Puzhakov Organizations: Service, Securities, Exchange, Craveworthy Brands, McDonald's, KFC Locations: Olive, takeout

☆ Apple and Goldman Sachs ordered to pay $89 million after Apple Card failures
▼ + stars: | 2024-10-23 | by ( Ramishah Maruf | ) edition.cnn.com time to read: +3 min

New York CNN —The US Consumer Financial Protection Bureau ordered Goldman Sachs and Apple to pay $89 million, and Goldman was temporarily banned from issuing new credit cards, because of the companies’ mishandling of their Apple Card partnership. Apple neglected to send tens of thousands of Apple Card disputes to Goldman Sachs, the CFPB said. The Apple Card issued by Goldman Sachs and running on the Mastercard network rolled out in August 2019. In April 2023, Apple announced it would be offering its Apple Card holders a 4.15% high-yield savings account with Goldman Sachs. They may park both the 3% cash back they receive from using the Apple Card on select purchases plus other savings they may wish to deposit.

Persons: Goldman Sachs, Goldman, Apple, ” Goldman Sachs, ”, Marcus Organizations: New, New York CNN, Consumer Financial Protection, Apple, Apple Card, SEC, General Motors, Barclays, Mastercard Locations: New York

☆ Medicare coverage will change in 2025. Some boomers are already struggling to keep up with their medical bills.
▼ + stars: | 2024-10-22 | by ( Allie Kelly | Juliana Kaplan | ) www.businessinsider.com time to read: +9 min

Companies like Aetna or AARP/UnitedHealthcare are merging their coverage plans, while previous insurers like Mutual of Omaha are leaving the market. AdvertisementWhile beneficiaries with Part A and B Medicare could see premium adjustments, most major changes will occur for people with supplemental Part D and Medicare Advantage plans. Healthpilot found that 10% of Medicare Advantage plans will be at the maximum deductible — up from 5% last year. Most Medicare Advantage beneficiaries will still have prescription drug coverage in the new year, but they may face higher out-of-pocket costs. Baby boomers are already struggling with healthcare costsThese changing Medicare costs come as many low-income baby boomers are struggling to keep up with medical bills.

Persons: —, Elizabeth Ayoola, Ayoola, Healthpilot, boomers, Lisa Callejas, Callejas, Betty, Betty —, Betty isn't Organizations: Medicare, Social Security, Service, Insurance, Companies, Aetna, AARP, BI, Healthpilot, Business, Security, Social Locations: Omaha, Mexico, Illinois

☆ Why famed short-seller Carson Block won't bet against Tesla
▼ + stars: | 2024-10-21 | by ( Filip De Mott | ) www.businessinsider.com time to read: +3 min

Famed short-seller Carson Block says he wouldn't bet against Elon Musk's Tesla. "I just won't bet against Elon." AdvertisementCarson Block, known for his shrewd short bets against companies, says he won't bet against Tesla. It's an about-face of sorts for Block, who said he'd bet against Tesla in the past. "I just won't bet against Elon."

Persons: Carson Block, Elon Musk's Tesla, Block, Elon, —, Carson, Tesla, Muddy Waters, … Elon, Tesla's, haven't, that's Organizations: Elon, Service, Muddy, Bloomberg

☆ Op-ed: The financial toxicity of cancer is growing. Here's what can be done to reduce it
▼ + stars: | 2024-10-18 | by ( Karen Knudsen | American Cancer Society Ceo | ) www.cnbc.com time to read: +5 min

Cancer drains individuals of their physical, emotional, and financial health. In a study from the American Cancer Society Cancer Action Network, nearly half of cancer patients and survivors reported being extraordinarily burdened by medical debt. Financial hardship caused by cancer can also contribute to "financial toxicity," wherein the cost of treatment forces individuals to make tradeoffs that impact their chances of survival. Not only does financial toxicity of cancer care affect the individual, it can also negatively impact their employer. Some may not be aware they're eligible for screening, and stigma and fear associated with cancer screening hinders some people from seeking care.

Persons: — Organizations: American Cancer Society Cancer Action Network, ACS Locations: U.S, United States

☆ The consumer momentum continues to move forward, says BofA Institute’s Liz Everett Krisberg
▼ + stars: | 2024-10-10 | 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 EmailThe consumer momentum continues to move forward, says BofA Institute’s Liz Everett KrisbergLiz Everett Krisberg, head of Bank of America Institute, joins ‘Squawk Box’ to break down the Institute’s September Consumer Checkpoint Report, which provides real-time consumer spending and financial health estimates.

Persons: BofA, Liz Everett, Liz Everett Krisberg Organizations: Bank of America Institute

Get Life Insurance Quotes Compare affordable life insurance options with Policygenius. Mutual of Omaha Indexed Universal Life Insurance: Another type of permanent life insurance, indexed universal life insurance policies carry flexible, lifelong coverage. Compare Mutual of Omaha Life InsuranceLearn more about how Mutual of Omaha Life Insurance compares to top life insurance providers. Mutual of Omaha Life Insurance vs. New York LifeQualifying New York Life Insurance customers can convert its policies to permanent life insurance. Mutual of Omaha Life Insurance FAQDoes Mutual of Omaha offer life insurance for seniors?

Persons: you'd, Hannah Van, Sickle, Hannah, Read, Evelyn Organizations: Mutual, Business, Omaha Life Insurance, Nebraska's Creighton University, Fortune, Insurance, Omaha Life, Get, Policygenius, Cons Mutual, Express, Omaha Universal Life, Life Insurance, Better, National Association of Insurance, Farm, Nationwide, York, York Life, New York Life, Plus, New York, . Northwestern Mutual Northwestern Mutual Life Insurance, Northwestern Mutual, Globe, Globe Life, Life, Chevron, Omaha, Berkshire, Berkshire Edge, Personal Finance Locations: Omaha, New, New York, York, Chevron, CA, LA, NH, NY, NC, WI, Berkshires, Massachusetts, Refinery29

A credit card cash advance allows you to withdraw cash from your credit card's credit limit. Understanding Credit Card Cash AdvancesWhat Is a Credit Card Cash Advance? If you don't have a zero-interest credit card offer available, it could be worth applying for a credit card like the Citi® Double Cash Card or the Citi Simplicity® Card . A credit card cash advance borrows cash against your credit card's line of credit. We reviewed dozens of credit cards to bring you our top recommendations (read more about how we rate credit cards here).

Persons: it's, Cash, Sheryl Nance, Nash Sheryl Nance, Nash, Read Organizations: Business Insider, Citi, Cash, Quicken, Money Magazine, The New York Times, Newsday Locations: New York

☆ Online retailer Shein to hold roadshows soon ahead of London IPO, Reuters reports
▼ + stars: | 2024-10-04 | by ( ) www.cnbc.com time to read: +2 min

The logo of fast fashion e-commerce company Shein outside its office in Guangzhou in southern China's Guangdong province. Shein is set to hold informal investor meetings in the coming weeks for its planned London initial public offering, three sources with knowledge of the matter said, pushing ahead with preparations as it awaits U.K. regulatory approval. The China-founded online retailer plans to hold informal roadshows mainly across Europe, one of the sources said, during which an IPO-bound company fields large investors' questions and tests their investment appetite. Shein confidentially filed papers with Britain's markets regulator in early June, kicking off the process for a potential London listing by the company later in the year, Reuters reported in June, citing sources. Shein's preparations for a potential London listing marks a shift from its long-running U.S. IPO plan, which has run into obstacles at home and abroad, Reuters has reported.

Persons: Shein confidentially Organizations: Reuters, Financial, Authority Locations: Guangzhou, China's Guangdong province, Shein, China, Europe, Singapore, York

☆ 3 money mistakes even accounting professionals make, according to a personal finance expert who worked at EY and PwC
▼ + stars: | 2024-09-17 | by ( Charissa Cheong | ) www.businessinsider.com time to read: +7 min

I started my career as a solicitor and worked at PwC as part of their legal team in the UK. From my early days at PwC, I felt Big Four businesses operate super efficiently and do fantastic work. We work with organizations to support their early career talent, providing them with training on navigating uncertainties around personal financial literacy and how businesses work. When you're working at Big Four companies, there are all sorts of rules and regulations about the types of investments you're allowed to make because of audit restrictions. I recommend that early career professionals talk to their peers about what works for them from a personal finance position.

Persons: —, Carla Hoppe, I've, who've, overspending, PwC, I'd, isn't, Gen Zers Organizations: Service, Big, Business, EY Locations: PwC

The pace of inflation likely moderated again in August — further relief for beleaguered consumers still smarting from pandemic-era price shocks. Though price growth has largely returned to the Federal Reserve's official 2% target, the sting of rapid price increases over the past four years lingers for many consumers. The latest inflation report is likely to cement a 0.25% cut in the Federal Reserve's key interest rate, currently at about 5.3%, later this month. But experts say it will take some time for consumers to feel the impact of the lower interest rate — and the relatively small size of the cut means borrowing costs will still be somewhat elevated. While the Fed is now widely expected to cut interest rates, a cut of just 0.25% may not be enough to stave off that scenario.

Persons: —, There's, Joe Biden, Kamala Harris, Zillow, Paul, ” Marina Walsh, ” Walsh, Torsten Slok, Slok, Sophia Kearney, Jerome Powell's, Kearney, Lederman Organizations: of Labor Statistics, Federal Reserve's, Democratic, Labor Statistics, Princeton, “, Mortgage Bankers Association, Apollo Global Management, FHN, NBC News, Fed Locations: U.S, New York, Los Angeles, Minneapolis, St, Las Vegas, Phoenix

Although there are no restrictions on how often you can file for bankruptcy, there are restrictions on how often you can receive a discharge. While Chapter 7 and Chapter 13 bankruptcies will have the same effect on your credit score, creditors may view a Chapter 13 bankruptcy more favorably. A Chapter 7 bankruptcy will stay on your credit report for 10 years, while a Chapter 13 bankruptcy will fall off after seven years. Frequently asked questions about how often you can file for bankruptcyCan I file a Chapter 13 bankruptcy after a Chapter 7 bankruptcy? Yes, you can file Chapter 13 after Chapter 7 bankruptcy, but you must wait at least four years after the discharge of your Chapter 7 to file Chapter 13.

Persons: Filers, you've, Adrienne Hines, Hines, Scott Glatstian, Rosenblum, Lamine Zarrad, —, Jennifer, Read Organizations: refiling, Wright Co, Rosenblum Law, Federal Trade Commission, Business, Yahoo, Finance, CBS, MSNBC, CNBC, Forbes, Black Enterprise, USA, The Johns Hopkins University Carey School of Business, Business Journalists Locations: Kademenos, Chevron, America, TheGrio, New York City

☆ Ally Financial plunges 19% after CFO says its borrowers are struggling
▼ + stars: | 2024-09-10 | by ( Matthew Fox | ) www.businessinsider.com time to read: +3 min

Ally Financial shares dropped 19% Tuesday after its CFO warned of weaker financial health among borrowers. Ally Financial, a major auto lender, expects rising delinquency rates going forward. AdvertisementShares of Ally Financial plunged as much as 19% on Tuesday after the company's CFO said it is seeing a deterioration in the financial health of its consumers. He added: "We're clearly dealing with a cohort of borrowers who have been struggling with cost of living and now are struggling with an employment picture that's worsened." Overall, Ally Financial's comments are not encouraging for the consumer picture, but Ally Financial is known for catering to borrowers with credit scores in the lower to middle ranges.

Persons: —, Ally, Russell Hutchinson, Hutchinson, " Hutchinson, Ally Financial's, Sanjay Sakhrani, Ally's, Sakhrani Organizations: Financial, Ally, Service, Barclays

☆ Stock market today: Indexes end mixed as investors brace for August inflation report
▼ + stars: | 2024-09-10 | by ( Filip De Mott | ) www.businessinsider.com time to read: +2 min

Investors are waiting for the consumer price report on Wednesday. JPMorgan led a slide in bank stocks after easing its earnings optimism. AdvertisementUS stocks ended mixed Tuesday ahead of the August consumer price index report due out Wednesday morning. Most investors anticipate a 25 basis point rate cut, but any shock in the inflation data could shift that outlook in favor of a steeper cut. Ahead of each report, Tuesday's presidential debate between Donald Trump and Kamala Harris could also sway markets.

Persons: Dow, —, Donald Trump, Kamala Harris Organizations: JPMorgan, Service, Nasdaq, Ally Locations: Here's

Researchers have begun measuring the impact of legalized sports gambling on American households, and the initial results paint a worrisome picture about how its expansion has affected bettors’ finances. In separate papers released this month, academics have found that households in states where gambling was legalized saw significantly reduced savings, as well as lower investments in assets like stocks that are generally considered more financially sound. Meanwhile, states that legalized sports betting saw their residents’ aggregate credit scores decrease, while bankruptcies increased. North Carolina became the most recent state to offer online sports betting earlier this year. Earlier this year, the major sports betting platforms formed the Responsible Online Gaming Association to address problem gambling.

Persons: ”, Scott Baker, Charles Schwab, Baker, “ It’s, ” Baker, “ Rather, Brett Hollenbeck, Nicholas Scutari, Adam Candee, Candee, ” Candee Organizations: Northwestern University’s Kellogg School of Management, of Columbia, Trade, Vanguard, Fidelity, UCLA’s Anderson School of Management, Auto, New York, Gaming Commission, Addiction Services, Legal, Online, Association Locations: New York, New Jersey, Puerto Rico, North Carolina, California, Texas, U.S

☆ Sports gambling takes a toll on Americans’ checkbooks, research shows
▼ + stars: | 2024-08-24 | by ( Rob Wile | ) www.cnbc.com time to read: +6 min

Researchers have begun measuring the impact of legalized sports gambling on American households, and the initial results paint a worrisome picture about how its expansion has affected bettors' finances. Meanwhile, states that legalized sports betting saw their residents' aggregate credit scores decrease, while bankruptcies increased. North Carolina became the most recent state to offer online sports betting earlier this year. Earlier this year, the major sports betting platforms formed the Responsible Online Gaming Association to address problem gambling. Yet there is likely a limit to how much the platforms will seek to restrict their own activities.

Persons: Scott Baker, Charles Schwab, Baker, It's, Brett Hollenbeck, Nicholas Scutari, Adam Candee, Candee Organizations: Northwestern University's Kellogg School of Management, of Columbia, Trade, Vanguard, Fidelity, UCLA's Anderson School of Management, Auto, New York, Gaming Commission, Addiction Services, Legal, Online, Association Locations: New York, New Jersey, Puerto Rico, North Carolina, California, Texas, U.S

☆ If Your Debt Is Ballooning, There Are Steps You Can Take
▼ + stars: | 2024-08-23 | by ( Ann Carrns | ) www.nytimes.com time to read: +1 min

Americans are increasingly struggling with credit card debt and other loans, and consumers are paying more for basic banking services like A.T.M. And 42 percent of households carrying balances on credit cards reported that their overall debt level was “unmanageable,” up from 38 percent in 2022, the network found. More borrowers have been falling behind on credit card payments, especially those who have maxed out spending on their cards, according to the Federal Reserve Bank of New York. Making payments on credit cards as well as car loans, student loans and other installment loans has been increasingly challenging for consumers, the financial network found. (The analysis, which the network publishes annually, is based on public data and a nationally representative survey of consumers.)

Persons: ”, Hannah Gdalman Organizations: Financial Health Network, Federal Reserve Bank of New Locations: Federal Reserve Bank of New York

☆ Leaked Microsoft salary data shows the pay gap between Microsoft AI and the rest of the company
▼ + stars: | 2024-08-23 | by ( Dan Defrancesco | ) www.businessinsider.com time to read: +7 min

The doc includes more than 500 submissions from people who identified themselves as Microsoft employees in the US. The move came in response to a growing number of its workers feeling underpaid compared to Microsoft's tech peers like Amazon . AdvertisementAs a reminder, this pay data is based on Microsoft employees' self-reporting, so it's not a complete picture. However, the pay gap between Microsoft AI and the rest of the company is undeniable. These are the 100 most-used AI apps, according to a top VC.

Persons: —, Chelsea Jia Feng, Insider's Ashley Stewart, Ashley, Satya Nadella, Drew Angerer, Mustafa Suleyman, it's, they're, Tyler Le, Jerome, Jerome Powell's, Goldman Sachs, Jamie Dimon's, Dimon, Ned Davis, Justin Sullivan, Andreessen Horowitz, Jenny Chang, Rodriguez, Jack, Jerome Powell, Sabrina Carpenter, Dan DeFrancesco, Jordan Parker Erb, Hallam Bullock, Milan Sehmbi, Amanda Yen Organizations: Service, Microsoft, Business, Microsoft Microsoft, Getty, Bloomberg Creative, JPMorgan, Treasury, Ned Davis Research, Big Tech, RBC Capital Markets, Consumer, Engineers, BI Locations: Washington, New York, London

☆ Restaurant CEOs’ new favorite word is value as they aim to bring back customers
▼ + stars: | 2024-08-11 | by ( Amelia Lucas | ) www.cnbc.com time to read: +6 min

"The word 'value' has received a lot of airtime in the past few months," Josh Kobza, the CEO of Burger King parent company Restaurant Brands International , said on Thursday. Value for shareholdersA drive-through area of a Burger King restaurant in Peoria, Ill. Daniel Acker | Bloomberg | Getty ImagesCompanies aren't just thinking about offering value for customers — they're also thinking about shareholder value. For example, Burger King was one of the first chains to unveil a $5 value meal this summer. When its rivals followed suit with their own $5 discount deals, the Restaurant Brands chain didn't see any clear impact to its business. "There are actually some positives to the focus on value across the industry," Restaurant Brands' Kobza told CNBC.

Persons: Mario Tama, McDonald's, Josh Kobza, Burger, There's, Taco Bell, Papa, Ravi Thanawala, Chris Kempczinski, Richa Naidu, Kempczinski, it's, Brian Niccol, Adam Jeffery, Niccol, John Peyton, IHOP, It's, Peyton, Daniel Acker, — they're, They're, Burger King, Kobza Organizations: Getty, Taco Bell, Yum Brands, Restaurant Brands, Bureau of Labor Statistics, Burger King, Reuters, Grill, CNBC, Brands, Peoria , Ill, Bloomberg, Starbucks, U.S Locations: Burbank , California, Burger King, Oak Brook , Illinois, Peoria ,

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