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On a more micro level, many ETF investors can sidestep the fund-level capital gains taxes incurred by many investors who own mutual fund shares, experts said. However, mutual fund managers can also generate capital-gains taxes within a fund itself when they buy and sell securities. Costs are lowThe first ETF was an index fund: the SPDR S&P 500 ETF Trust (SPY ). Index funds, also known as passively managed funds, track a market index like the S&P 500 . Investors have equated ETFs with index funds since their inception, even though there are also index mutual funds, experts said.

Persons: Michael McClary, Bryan Armour, Armour, McClary, Morningstar, Michael Iachini, Charles Schwab, Morningstar's, they're, Michael M Organizations: Getty, Exchange, Morningstar, Valmark Financial, Investors, North America, Trust, Financial, Retail, McKinsey, SEC, Securities, Exchange Commission, Stock, New York Stock Exchange, Santiago

☆ From mortgages to auto loans, experts weigh in on when — or if — to refinance as interest rates fall
▼ + stars: | 2024-09-19 | by ( Jessica Dickler | ) www.cnbc.com time to read: +3 min

So, home loan rates may continue to fluctuate. Don't wait to reassess credit card debtWhen it comes to credit card debt, the math is a little more cut-and-dried. In the wake of the rate hike cycle, the average credit card rate rose from 16.34% in March 2022 to more than 20% today — nearing an all-time high. watch nowAlternatively, borrowers can call their card issuer and ask for a lower interest rate on their current card. Auto loan refinancing options depend on equityAlthough auto loans are fixed, the rates on new-car loans will come down with the Fed's moves.

Persons: Jacob Channel, Matt Schulz, Schulz, you've, Ivan Drury, Edmunds Organizations: Treasury, LendingTree, Auto

☆ The market is flashing signs of a dangerous debt bubble with losses that could be 'contagious,' economist says
▼ + stars: | 2024-07-30 | by ( Jennifer Sor | ) www.businessinsider.com time to read: +3 min

The market risks a harmful debt bubble, potentially spreading losses in the financial sector. Economist Dambisa Moyo warns of overvalued stocks driven by enthusiasm for artificial intelligence. AdvertisementThe stock market could be hosting one of the most harmful types of debt bubbles, with losses that risk spreading around the financial sector, according to one economist and investing veteran. But even more concerning is that the US could be seeing one of the most problematic types of bubbles, fueled by highly borrowed and "unproductive" assets, Moyo said. Losses from troubled companies also risk contaminating other areas of the market, Moyo added.

Persons: Dambisa Moyo, Moyo, —, Dambisa Moyo —, Goldman Sachs Organizations: Service, Project Syndicate, Versaca

☆ I've been a chef for years. Here are my 8 tips for making perfect, juicy burgers.
▼ + stars: | 2024-05-24 | by ( Alissa Fitzgerald | ) www.businessinsider.com time to read: +6 min

Read previewAs a chef, I strongly believe the best way to feed a crowd is to have all of your party foods prepped and ready to go — and that includes your burger patties. When I worked as a line cook a few years ago, I learned the subtle art of working with ground meat and making the perfect, juicy burger. AdvertisementThere are three main ways to defrost ground beef: in the refrigerator, in the microwave, or in cool water. Related storiesIf you can, try to find a local farm that sells whole cuts or its own frozen ground meat. Remember that the shape of the patties mattersLightly press your thumb into the burger patties as you shape them.

Persons: —, sy cho, you've, Cook, Moyo Organizations: Service, Business Locations: mayo

☆ I made $70,000 in revenue selling résumé templates on Etsy. I used skills I already had to earn passive income.
▼ + stars: | 2024-03-15 | by ( Perri Ormont Blumberg | ) www.businessinsider.com time to read: +6 min

I'm a former recruiter and career coach who now sells résumé templates on Etsy. I started my HR career in Croatia before relocating to Krakow, Poland, where I became a corporate career coach in 2018. AdvertisementI got the idea for my Etsy shop from my full-time jobColak-Fustin's résumé templates. Looking for a way to use my HR skills, I decided to create résumé templates and job search toolkits. When I started creating and selling résumé templates and job search toolkits on Etsy, I prioritized functionality.

Persons: Ana Colak, Fustin, it's, —, It's, I've, didn't Organizations: Service Locations: Etsy, Gothenburg, Sweden, Croatia, Krakow, Poland

☆ Deadliest Cholera Outbreak in Past Decade Hits Southern Africa
▼ + stars: | 2024-02-13 | by ( John Eligon | Jeffrey Moyo | ) www.nytimes.com time to read: +1 min

Sandra Mwayera wailed as her older brother slouched next to her in the back seat of a car — he had died from cholera as he waited for treatment among dozens of others outside a hospital in Zimbabwe’s capital, Harare. “My brother! My brother! Come back!”In neighboring Zambia, inside the 60,000-seat National Heroes Stadium in the capital, Lusaka, rows of gray cots lined rooms at a makeshift treatment center where 24-year-old Memory Musonda had died. Her family said they were not informed until four days later — the government buried her, and they have yet to locate her grave.

Persons: Sandra Mwayera wailed, slouched, ”, “, Musonda, Musonda’s, Stanley Mwamba Kafula Organizations: Democratic Locations: Zimbabwe’s, Harare, “, Zambia, Lusaka, Africa, Democratic Republic of Congo, Mozambique

☆ State-run 'auto-IRA' programs aim to close retirement savings gap
▼ + stars: | 2024-01-04 | by ( Greg Iacurci | ) www.cnbc.com time to read: +4 min

They save about $165 a month, on average, said John Scott, director of Pew's retirement savings project. It's unclear how many other companies instead opted to sponsor their own 401(k) plan or other workplace plan. Why states are stepping inThere's a common thread here: A realization that people aren't saving enough for retirement, Scott said. The typical saver age 55 to 64 has just $71,000 of 401(k) savings, according to Vanguard data. Pew estimates that state spending will rise by $334 billion from 2021 to 2040 due to insufficient retirement savings.

Persons: John Scott, Scott, Pew, Washington —, Roth, they've Organizations: Auto, Workers, Trusts, Center for Retirement, Companies, Vanguard, Social Security Locations: Delaware, Hawaii , Maine, Minnesota , Nevada , New Jersey , New York, Vermont, Massachusetts , Missouri, New Mexico, Washington, U.S

☆ Claiming Social Security retirement benefits is a high-stakes decision. Don't let these 5 myths get in your way
▼ + stars: | 2023-08-19 | by ( Lorie Konish | ) www.cnbc.com time to read: +6 min

Moyo Studio | E+ | Getty ImagesSocial Security benefits provide retirement income for millions of Americans. Myth 1: Claiming early is bestNegative headlines may scare people into claiming as early as possible to get the most benefits. Eligibility for Social Security retirement benefits starts at age 62. Myth 4: Social Security benefits are not taxedThanasis | Moment | Getty ImagesThe misperception that Social Security benefits aren't taxed is "perhaps the biggest myth of all," said Mary Johnson, Social Security and Medicare policy analyst at The Senior Citizens League. That includes the sum of your adjusted gross income, nontaxable interest and half of your Social Security benefits.

Persons: that's, Joe Elsasser, Elsasser, Laurence Kotlikoff, Bruce Tannahill, there's, Kotlikoff, Tannahill, Mary Johnson, Anna Frank Organizations: Social Security, Social, Security, Boston University, Senior Citizens League . Social Security

☆ These early retirement advocates quit their jobs with plenty of money in the bank. Here are their tips for becoming financially independent
▼ + stars: | 2023-06-15 | by ( Lorie Konish | ) www.cnbc.com time to read: +4 min

Moyo Studio | E+ | Getty ImagesSaving enough money to comfortably retire later in life may seem like a daunting, out-of-reach goal. The FIRE movement — which stands for Financial Independence, Retire Early — is built on the idea that handling your money super efficiently can help you reach financial freedom earlier. Boost your savings rateToday, the average savings rate in the U.S. hovers around 2% to 5%, Sabatier noted. But by saving about 50% of your income, the average person can reach financial independence in 10 years or less, Sabatier said. Reduce your cost of livingTo achieve a high savings rate, you need to reduce your living costs.

Persons: Grant Sabatier, Alex Trias, Sabatier, Trias, It's Organizations: Financial Independence, CNBC's, D.C Locations: Portugal, U.S, Washington

☆ Wait until age 70 to claim Social Security: 'The return on being patient is huge,' says economist
▼ + stars: | 2023-02-01 | by ( Lorie Konish | ) www.cnbc.com time to read: +4 min

"The return on being patient is huge with Social Security," Kotlikoff said. Why it pays to wait to claim Social SecurityEligibility for Social Security retirement benefits starts at age 62 for workers who have earned 40 credits, or 10 years of qualifying work. Those contributions count toward the Social Security retirement benefits workers may claim later in life. For each year delayed past full retirement age, 8% is added to Social Security benefits. The return for waiting to claim Social Security benefits may also beat stock market returns, which are highly risky, Kotlikoff noted.

☆ Organized retail thieves' most-wanted list: Survey reveals which items are most likely to be stolen from stores
▼ + stars: | 2023-01-21 | by ( Ben Tobin | ) www.businessinsider.com time to read: +4 min

Organized retail crime has contributed to a $94.5 billion inventory-shrink problem for the retail industry. Retail criminals steal across many different product categories, per the National Retail Federation. Here are the most popular items targeted for organized retail crime as identified by the National Retail Federation, in no particular order. Shoshy Ciment/Business InsiderDesigner handbagsFashion and fine jewelryBeltsWatchesDesigner sunglassesBranded eyewearFootwearShoe retailers need to be wary of organized retail criminals. REUTERS/Jessica DinapoliInfant formulaInfant and toddler itemsChildren's toysOtherGift cards also aren't safe from organized retail crime.

Using a cash-back credit card can put money back in your pocket and take the sting out of inflation. But one interesting way to fight against inflation is by using a cash-back credit card, which can provide rewards for your daily purchases. Find the right cash back credit card for you Chase Freedom Unlimited®Capital One SavorOne Cash Rewards Credit CardCiti® Double Cash CardDiscover it® Cash BackChase Freedom Flex℠Citi Custom Cash℠ CardU.S. Bank Cash+® Visa Signature® CardCapital One QuicksilverOne Cash Rewards Credit CardDiscover it® Secured Credit CardCapital One SavorOne Student Cash Rewards Credit Card Chevron icon It indicates an expandable section or menu, or sometimes previous / next navigation options. $0 Annual Fee View Full Details $0 Annual Fee Apply now On Wells Fargo's websiteWells Fargo Active Cash® Card from Wells Fargo Apply now On Wells Fargo's website Card Details Rewards Earn unlimited 2% cash rewards on purchases. Using a flat-rate rewards card like the Wells Fargo Active Cash® Card, which offers 2% cash rewards on purchases you make, is a simple way to earn something back for your purchases without having to keep track of bonus categories.

☆ Un elicopter al Forţelor Aeriene din Zimbabwe s-a prăbuşit pe o casă. Un copil, printre morți
▼ + stars: | 2021-04-24 | by ( Publika.Md - Aici Sunt Știrile | ) www.publika.md time to read: 1 min

Un elicopter al Forţelor Aeriene din Zimbabwe s-a prăbuşit, vineri, pe o casă. Aparatul de zbor s-a prăbuşit pe o casă din Arcturus, o zonă agricolă, la aproximativ 30 de kilometri est de capitala Harare, au spus Forţele Aeriene într-un comunicat, informează Reuters, citată de Mediafax. Elicopterul se afla într-o misiune de antrenament, cu doi piloţi şi un tehnician, când a dispărut pe radar. Pe reţelele sociale au apărut videoclipuri cu părţi carbonizate ale elicopterului şi forţele de securitate care investigau zona. Forţele aeriene din Zimbabwe se plâng că elicopterele şi avioanele de luptă sunt vechi, dar nu au reuşit să cumpere altele noi din cauza sancţiunilor impuse de ţările occidentale.

Persons: Mediafax . Organizations: Aeriene, Reuters, Mediafax Locations: Zimbabwe, Arcturus, Harare

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