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☆ 37+ best small but fun gifts to give in 2024
▼ + stars: | 2024-11-12 | by ( Ashley Morris | Ashley Morris Is An Associate Seo Reporter For Select On Nbc News. | ) www.nbcnews.com time to read: +17 min

Below, we compiled a list of all things fun sized — the best small, miniature and tiny gifts to make your loved ones smile this holiday season. SKIP AHEAD The best fun size gifts in 2024 | Why trust NBC Select? The best fun size gifts in 2024Below, you’ll find the best small gift ideas for this holiday season. I compiled this list using products from past coverage, including previous award winners and some NBC Select staff favorites. To find the best fun size gifts, we searched the web for the best small and miniature gift ideas, including products we’ve covered previously along with some NBC Select staff favorites.

Persons: Jordan Bowman, It’s, Le, popper, Puzz, Bowman, Zer, Tamagotchis, Zoe Malin, “, ”, Malin, it’s, Nikki Brown doesn’t, ” Brown, Brown, Nikki Brown, Tricia Hersey, Mili Godio, There’s, leashes, who’s, Rose, Harry Rabinowitz, They’ll, Sonny Angel, Rebecca Rodriguez, TikTok Organizations: NBC, Ototo, NBC Select’s, XL, Apple, Giftable, Facebook, Twitter Locations: Baggu

☆ The interest rate on my high-yield savings account keeps dropping. I asked 3 experts how to earn more on my cash.
▼ + stars: | 2024-11-12 | by ( Christine Ji | ) www.businessinsider.com time to read: +9 min

My bank has lowered the APY on my high-yield savings account by almost half a percent recently. AdvertisementIt's never pleasant to receive an email from your bank informing you that the interest rate on your high-yield savings account is decreasing. From August until the end of October, the annual percentage yield (APY) on my high-yield savings account has fallen from 4.6% to 4.2%. After paying off my bills every month, I would put the remainder of my paycheck into my high-yield savings account and watch the number creep up. Is there anything I can do about the state of my savings account, or do I have to watch my yield erode away slowly?

Persons: I'm, —, I've, Jerome Powell, Patti Black, it's, Jerome Powell's, Black, Daniel Milan, Milan, that's, Richard McHorter, There's, McHorter, Trump's, What's, Zer, Christine, cji Organizations: Service, Federal Reserve, Savant Wealth, Cornerstone Financial Services, SRM Private Wealth, Treasury Locations: Milan, California, New York City

☆ Smells Like Teen Spirit: Inside Gen Z's Luxury Perfume Obsession
▼ + stars: | 2024-10-29 | by ( Eve Upton-Clark | ) www.businessinsider.com time to read: +12 min

AdvertisementBehind the booming appetite for new smells is Gen Z. AdvertisementIf there's one thing Gen Z loves, it's a name for something. Under the handle @juliaperfumery, she shares perfume reviews for her primarily Gen Z audience against the backdrop of her New York City apartment's perfume closet. "If there's one thing Gen Z loves, it's a name for something," O'Toole says. There are back-to-school scents, scents to win your ex back, scents to smell like Vanessa Paradis in Paris in the '90s — the list goes on.

Persons: Julia Dovgal, douse, mother's Chanel, Dior, Jo Malone's, Wood, Dovgal, She's, Circana, Gen Zers, Gen Xers, It's, Piper Sandler, Valentino, Jean Paul Gaultier, Maison Francis Kurkdjian's, TikTok, Phlur, —, it's, Juliette, Emelia O'Toole, There's, O'Toole, We've, Vanessa Paradis, Piper, Cathrine Jansson, Boyd, " Jansson, Gen Z, Chanel, Marilyn Monroe, Catherine Deneuve, Nicole Kidman, isn't, Gris Charnel, Jansson, Bella, Susan Wai Hnin, Zers Organizations: Saks, Perfume, Anglia Ruskin University, Urban Outfitters, rockstar Locations: Salt, Bath, New York City, TikTok, New York, Paris, London

☆ Gen Z, here's how to craft the best retirement plan starting now: 4 financial experts share their best tips and tricks
▼ + stars: | 2024-10-26 | by ( Christine Ji | ) www.businessinsider.com time to read: +8 min

For Gen Z, retirement is 40 or 50 years away, but now is the perfect time to start saving. Four financial experts shared their top strategies to kick-start retirement savings. Or, it may seem difficult and anxiety-inducing, especially as Gen Z juggles student loan debt, high costs of living, and a tough job market. AdvertisementBusiness Insider asked four wealth advisors for their best tips and tricks on how Gen Z can maximize their retirement savings, starting now. Basic budgeting strategies, such as keeping housing costs at 30% or lower of your total paycheck, can also create a strong foundation for retirement savings, Crowell said.

Persons: —, Zers, Z, Gen Z, there's, Andrew Crowell, Davidson, Crowell, Zer, Gen Zers, Ayako Yoshioka, Yoshioka, Roth, haven't, Ashley Weeks, Weeks, Alanna Morey, Morey Organizations: Service, Social Security, Bank of America, D.A, Roth IRA, Equity, Bank

☆ A 27-year-old who was disappointed with her move from the Midwest to Dallas explains how she got excited about her new city
▼ + stars: | 2024-10-17 | by ( Madison Hoff | ) www.businessinsider.com time to read: +6 min

Griffin Kibens moved to Texas in 2022, and it took a while to feel at home in Dallas. Her colleagues, the Katy Trail, and moving to a new place helped her feel better about Dallas. Kibens moved from Missouri to Texas in August 2022, and the weather that time of year was one of the first downsides. Falling in love with DallasKibens said her colleagues played a large role in beginning to love Dallas. "The Katy Trail really changed my life," she said.

Persons: Griffin Kibens, Kibens, —, Arielle Francois, Zer, Francois, Dallas Kibens, Dallas, Louis, let's, there's Organizations: Katy, Dallas, Service, Fort, Dallas Mavericks, House, Dallas Fort Worth Locations: Texas, Dallas, Missouri, Fort Worth, Arlington, Florida, Katy, Oak Lawn

☆ The stock market has officially enjoyed a bull rally for over two years. So now what?
▼ + stars: | 2024-10-14 | by ( Dan Defrancesco | ) www.businessinsider.com time to read: +7 min

In today's big story, the stock market has officially enjoyed a bull rally for over two years. The big storyBullish on the bull marketNoam Galai/Getty ImagesHappy belated birthday to the stock market's bull rally! Stock market experts who spoke with Business Insider's Matthew Fox don't see things slowing down anytime soon . In fact, the average bull market lasts longer than five years, so we might not even be halfway to the finish line. The actual stock market is healthier, too, as it's no longer reliant on the Magnificent Seven's performance.

Persons: —, Noam Galai, Insider's Matthew Fox, Chelsea Jia Feng, we've, Alex Brandon, Jamie Dimon, Ken Griffin, he's, Republican megadonor hasn't, BlackRock, Jett Lara, Augustus Doricko, Doricko, Roblox, Natalie Ammari, Inflation's, Z's, It's Elliott Hill's, Hill, It's, Dan DeFrancesco, Jordan Parker Erb, Hallam Bullock, Milan Sehmbi, Amanda Yen Organizations: Business, Service, Nasdaq, Dow Jones, Stock, Insider's, JPMorgan, Republican, Citadel, Wall, Menlo Ventures, Nike, Columbus, District of Columbia Locations: Chelsea, Ukraine, El Segundo , California, a16z, New York, it's, Italian American, London

☆ For God, for country, for rain
▼ + stars: | 2024-10-14 | by ( Jessica Lucas | ) www.businessinsider.com time to read: +24 min

It's 9:30 a.m., and Augustus Doricko, the mulleted 24-year-old founder of the cloud-seeding company Rainmaker, is clutching a coffee. There's a long way to go before cloud seeding becomes a viable option for solving one of humanity's many self-made crises. El Segundo, population 17,272, has long been a bastion of American engineering, home to aerospace and defense giants like Boeing and Raytheon. Jett Lara for BIThe burning happens every Friday around 8 p.m. at a bonfire on El Segundo Beach. One of Doricko's goals is to build a church in El Segundo to "share the grace of God with other people."

Persons: Augustus Doricko, Bruno Mars, Doricko, Jessica, I'd, Jesus, He'd, that's, Rainmaker, Lauren Sánchez, Jett Lara, Billy Ray Cyrus, God, Augustus Doricko Doricko's, Cameron Schiller, Augustus, Schiller, El, That's, it's, El Segundo, Elon Musk, Isaiah Taylor, Doricko's, Taylor, Rob Coutts, —, Jesus of Nazareth, Zer, he'd, Jason Flynt, Flynt, Terra, Michael Gibson, Sarah Tessendorf's, messaged Gibson, Michael, Gibson, Thiel, Peter Thiel, I'm, Katja Friedrich, Friedrich, Friedrich isn't, Jonathan Jennings, Kaitlyn Suski, dumbbells, Jackson Schultz, Elijah, birdsong, Schultz, We're, coffees, Mankind Organizations: MGM, Association, Aspen Ideas, Global Initiative, BI, El, Boeing, Raytheon, Space Industries, Chevrolet, Stamford Yacht Club, New Zealand, University of California, BI Doricko, drillers, Terra Seco, Thiel Foundation, Terra, tech's, Weather Locations: Vegas, Tennessee, El Segundo, Los Angeles, America, Silicon, Santa Clarita, Rainmaker, Beijing, Colorado, California, Smoky, El Segundo Beach, North Carolina, Texas, Stamford , Connecticut, New, Costa, Berkeley, Christianity, Fort Worth , Texas, Terra Seco, drawdowns, Lake Mead, Las Vegas, Phoenix, Juul, Fresno, San Jose, Dubai, UAE, Midwest, West Texas, New Mexico , Arizona , Nevada, Amsterdam, Milan

☆ Feeling the pinch, groceries become a 'splurge' for millennials and Gen Z
▼ + stars: | 2024-10-12 | by ( Lakshmi Varanasi | ) www.businessinsider.com time to read: +3 min

Younger generations spend more on groceries than other categories, a McKinsey report says. The firm asked over 4,000 people, from baby boomers to Gen Zers, about the categories they intend to splurge on this year. Groceries ranked highest for millennials and Gen Zers, outpacing restaurants, bars, travel, beauty and personal care, apparel, and fitness. It's a notable shift from 2018 when older generations like baby boomers and Gen Xers still spent more on groceries than millennials. It surveyed baby boomers to Gen Zers, not baby boomers to Gen Xers.

Persons: Moodys, —, Splurging, what's, Gen Zers, It's, Gen Xers, Zer, Peter Pham, Pham, Moody's Organizations: McKinsey, Service, McKinsey & Company, millennials, Forbes

☆ I'm ditching social media for a bit. Experts agree disconnecting will be beneficial: 'Silence is a secret weapon'
▼ + stars: | 2024-09-24 | by ( Renée Onque | ) www.cnbc.com time to read: +4 min

Five days ago, I did something revolutionary for a Gen Zer: I deleted all the social media apps from my phone. Social media dependency is a real problem, recent data shows. So much of my free time throughout the day was consumed by mindless scrolling on the social media platform X and Instagram. Disconnecting allows time for a self-auditGoing on a 30-day silent retreat is a much greater challenge than ditching social media for a few days. One commonality between social media detoxes and silent retreats is that Jerjian and Liu also weren't able to access social media during the retreats — where the use of phones wasn't allowed outside of emergencies.

Persons: George Jerjian, Weiting Liu, Arc.Dev, Liu, Jerjian, He's, It's Organizations: CNBC

☆ Welcome to interest-rate cut week: Here's how the Fed's next move will impact everything from home prices to new cars loans
▼ + stars: | 2024-09-16 | by ( Madison Hoff | Ayelet Sheffey | ) www.businessinsider.com time to read: +6 min

According to CME FedWatch, which estimates interest rate changes based on market predictions, the size of the rate cut is a coin toss. As of Friday afternoon, there's a 51% chance the Federal Reserve will cut rates by 25 basis points and a 49% chance it'll be an extra-large 50-basis-point cut. That's because a larger rate cut makes borrowing cheaper, which tends to drive up spending and fuel price increases. Rate cuts will also eventually make it cheaper for small businesses to take out loans. A rate cut could cause a rush of buyers to enter the market in the short term, driving up prices and competition.

Persons: Jerome Powell, Michael Madowitz, she's, McTier, it'll, Mark Hamrick, Banks, Hamrick, NerdWallet, Sara Rathner Organizations: Service, Federal, CME FedWatch, Federal Reserve, Business, Washington Center for Equitable Growth, Fed, Consumer Financial, Bureau, asheffey Locations: Jackson Hole , Wyoming, McTier

☆ Applying to jobs is tough, try doing it 2,200 times
▼ + stars: | 2024-09-12 | by ( Dan Defrancesco | ) www.businessinsider.com time to read: +7 min

In today's big story, this guy is ready to give up after applying to nearly 2,200 jobs . The big storyNot hiringKevin Cash Ben BoxerHow tough is the current job market? AdvertisementThe job market is in a weird spot these days. On paper — and maybe in another labor market — Kevin appears to be the perfect candidate. It's a tough reality check for employees who previously held all the power in the job market.

Persons: —, Zer, Kevin Cash Ben Boxer, Kevin Cash, Tim Paradis, Kevin, it's, Forget, Tyler Le, we're, duMond, Chip Somodevilla, Alyssa Powell, Harris, Rebecca Zisser, Elon, Apple, Jensen, Goldman Sachs, David Soloman, Huang, Chelsea Jia Feng, Trump, Brian Niccol, We're, Niccol, Dan DeFrancesco, Hallam Bullock, Milan Sehmbi, Amanda Yen Organizations: Service, Business, Mensa, BI Trump, Oppenheimer, Fed, Twitter, Nvidia, Kroger, London Locations: San Francisco, Austin, New York, London

☆ A Gen Zer left Boston for New York City because housing was expensive and it offered a 'fraction of the life experience'
▼ + stars: | 2024-09-04 | by ( Jacob Zinkula | ) www.businessinsider.com time to read: +6 min

After spending a few months researching places to live, New York City — the borough of Brooklyn in particular — stood out. "Cities like Boston that used to seem affordable are feeling just as expensive as New York City for a fraction of the experience," she added. Rent in New York City and Boston can vary considerably depending on where one looks, but New York is generally more expensive. The median rent for a one-bedroom apartment in New York City is $3,300 compared to $2,600 in Boston, per Zillow. AdvertisementAside from housing, White said one of the most expensive parts about living in New York City is the costs that come with having a social life.

Persons: Jillian White, White, —, Georgia —, she's, it's, Boston — Organizations: Service, New, Boston University, Business, Apple, New York City —, Boston Locations: New York City, Boston, , New York City, Brooklyn, Brooklyn's Bedford, Stuyvesant, Cities, York City, New York, Florida , Texas , California, North Carolina, Georgia, NYC, York, White, Beacon Hill, Seaport, Fenway, Manhattan

☆ Only 15% of Gen Z regularly saves a portion of their paycheck—how to start saving more today
▼ + stars: | 2024-08-23 | by ( Jade Thomas | ) www.cnbc.com time to read: +1 min

Gen Z adults aren't saving their money. Only 15% of Gen Z regularly puts a portion of their paycheck into a savings account, according to a recent Bank of America survey. And just 1 in 5 Gen Zers are contributing to a retirement account. Gen Z is typically defined as those born between the years of 1997 and 2012. The good news: Gen Zers are still under 30, and have plenty of time to save money and develop smart financial habits.

Persons: Gen Z, Zers, Gen, it's, Douglas Boneparth, Winnie Sun, Sun, you've Organizations: of America, Sun Group Wealth Partners

Children born after 2010, Gen Alpha are the internet’s newest darlings. Gen Alpha’s hyper online manner of speaking has been dubbed “brainrot,” mostly by older Gen Zer’s who share spaces like TikTok with them. It evolves so quickly online.”With the new slang, Gen Alpha itself has gained a reputation. When older people try to use Gen Alpha slang, “It’s kind of embarrassing,” Beryl said. “Every single person throughout history has always complained about how the younger generations are ruining language with their made-up slang,” Aleksic said.

Persons: Gen Z’s, ”, ” Everyone’s, Gen Alpha, Zer’s, Camille Nisich, “, We’re, Michael Petersen, Beryl, he's, Michael Petersen “, Adam Aleksic, you’ve, Alpha, Michael Bay, it’s, It’s, Z’s, Kai Cenat, Fanum, Marigold, cuz, ” Aleksic, Aleksic, Neal Broverman, Calvin, ” Nisich, ” Beryl, They’re, ” Neal Broverman, Neal, Zers, “ There’s, “ It’s Organizations: Alpha, Hollywood, bae ”, Google Locations: Roblox, “, Marigold, “ Ohio, Ohio, Tennessee

☆ Assigned desks are now a work perk — and Gen Zers are making themselves right at home
▼ + stars: | 2024-08-03 | by ( Alexandra Bacon | ) www.businessinsider.com time to read: +7 min

Read previewWhen Maïa Maury, 25, started a new job in the US, she was happy to find that it came with her own assigned desk. AdvertisementWhile an assigned desk used to be a given in an office, the pandemic ushered in an era of hot desking and working from home. Now, cubicles and assigned office desks are more of a novelty, meaning those lucky few who get one are sometimes keen to make the most of it. AdvertisementAnother Gen Zer, Zernab Saeed, wanted to make the most of having a personal office desk in her first job out of college. Many companies are still shifting toward reducing office space, leaving fewer opportunities for people to enjoy having their own desks.

Persons: —, Maïa Maury, who'd, hoover, Maury, Zernab Saeed, Zernab, Zernab Saeed Saeed, she's, there's, Caitlin Turner, HOK, Turner, Gen Zers, Gen, it's, Leonora Georgeoglou Organizations: Service, Business Locations: French

☆ Forget Uber and Airbnb: Some people are going back to doing things the old-fashioned way to save money
▼ + stars: | 2024-08-03 | by ( Juliana Kaplan | ) www.businessinsider.com time to read: +9 min

"If I was using rideshares and the delivery apps and everything the way I was, I would run out of money each month," she said. For some, like Manley, it means going back to the old-fashioned way of doing certain things: shopping around for hotel deals, taking public transit more, and working out at home with fitness classes on video. AdvertisementGrant Plotkin, 26, is a Gen Zer who experienced the pre-2020 millennial subsidy as a young adult. The next iteration of the millennial subsidy might be gamifying surge pricing for groceries or a side of fries. AdvertisementHas the loss of the millennial subsidy affected your finances or lifestyle?

Persons: Sarah Manley, Manley, She's, they'd, Millennials, YipitData, Grant Plotkin, Zer, he's, Plotkin, Ubers, Brett House, that's, Bilal Baydoun, Baydoun Organizations: Service, Business, Bloomberg, Netflix, Columbia Business School, Dollar, Aldi, Big Tech, American Locations: Baltimore, it's

☆ A Gen Zer quit a corporate job paying $94,000 to become a reseller and content creator: 'It's not somewhere I wanted to be for the next 40 years of my life'
▼ + stars: | 2024-08-02 | by ( Madison Hoff | ) www.businessinsider.com time to read: +6 min

She left the corporate grind earlier this year and turned her side gigs into a full-time job. Her last position before moving into full-time self-employment had a base salary of $94,000. Advertisement"I was at this job, wasn't totally happy with it, and I knew I had been making decent money doing my side hustles part-time," she said. "When I'm doing that, I'm like, oh, I couldn't be doing this right now if I was working my corporate job," she said. Have you left your corporate job, made a career change, or turned your side hustle into a full-time job?

Persons: —, Amber Smith, Smith, it's, I'm, wasn't, she's, I've, Taylor Swift Organizations: Service, Business, eBay Locations: Iowa, mhoff@businessinsider.com

☆ 23% of low-income Americans are living without a bank account
▼ + stars: | 2024-08-02 | by ( Genna Contino | ) www.cnbc.com time to read: +5 min

"When they don't see a financial institution or a bank, [they] tend to say, 'There's no avenue for me this way. Of 18- to 29-year-olds, 11% are living without a bank account, compared to 9% of 30- to 44-year-olds, 5% of 45- to 59-year-olds and 2% of people 60 and older, according to the Federal Reserve. People without bank accounts might also turn to check cashing services or consider payday loans, especially if they're the only brick-and-mortar financial services in their neighborhood. The Community Financial Services Association of America, which represents payday lenders, did not respond to a request for comment. "They're going out into the community, they're promoting their services into the community, they're creating programs specifically for the community," he said.

Persons: Sean Gladwell, Wole Coaxum, Joe Lugo, Lugo, that's, Darrin Williams, Williams, Harris, Winnie Sun, It's, Sun, Preston Duppins, Duppins, They're Organizations: Federal Reserve, Southern Bancorp, Inc, Finance, Sun, Wealth Partners, CNBC, Federal Deposit Insurance Corp, Federal Deposit Insurance Corporation, American Fintech Council, Wealth Management, Community Financial Services Association of America, Chamber, Commerce Locations: Clearwater , Florida, U.S, Irvine , California, Florida, Lugo, Pinellas County

☆ Meet the Gen Zer Behind Friend, the Creepy New AI Necklace
▼ + stars: | 2024-08-01 | by ( Zoë Bernard | ) www.businessinsider.com time to read: +8 min

Earlier this week, another product contending for the future of AI companionship made its debut: an eavesdropping necklace called Friend. AdvertisementSchiffmann's original vision for an AI hardware device was a pendant that would act as a more standard-fare AI assistant called Tab — he once described it as a "wearable mom." Of the many AI hardware devices that launched in recent months, such as Humane's AI pin, Meta's smart glasses, and Rabbit's AI-powered R1, Friend is the most personal contender. In fact, on the day Friend launched, a competing AI hardware founder named Nik Shevchenko released a diss track — as any self-respecting 23-year-old AI hardware founder would do — insinuating that Schiffmann stole his idea. (It would not be the first time that Shevchenko built an open source competitor that closely resembled another AI hardware device.

Persons: Siri, Friend, Avi Schiffmann, Schiffmann, Elon Musk, Caffeinated Capital's Raymond Tonsing, Aravind Srinivas, Austin Rief, hasn't, Scarlett Johansson, transfixing Joaquin Phoenix's, —, Anthony Fauci, Camus, it's, Nik Shevchenko, Shevchenko, Taylor Organizations: Harvard, Morning Locations: Tokyo, Ukraine

☆ Millennial Internet Is Dead; RIP Neopets, Club Penguin, and Webkinz
▼ + stars: | 2024-08-01 | by ( Aimee Pearcy | ) www.businessinsider.com time to read: +13 min

At Club Penguin, I adopted colorful pets called puffles and purchased kitsch furniture for my virtual igloo. "I was big on Club Penguin, Wizard101, Moshi Monsters, and this obscure one called Ourworld," he told me. Club Penguin, which ran from 2005 to 2017, stands out as one of the era's most beloved virtual worlds. "That same generation logged into Club Penguin to play with friends." In 2017 it shut down Club Penguin and replaced it with a mobile version, Club Penguin Island.

Persons: millennials, Gen Zers, Dylan Maleno, Lance Priebe, I'd, Jake Hahn, they're, Sara Grimes, weren't, Flappy Bird, Disney, Toontown, they've, MMOs, Roblox, Ashley Hernandez, " Hernandez, Neopets, Dominic Law, Aimee Pearcy Organizations: Penguin, Disney, University of Toronto's, of Information, Fortnite, Facebook, The New York Times Locations: Pennsylvania, Wizard101, Moshi, Illinois, Fortnite, New York City

☆ The 'double bind' is a big mistake employers make that's turning off Gen Z staff
▼ + stars: | 2024-07-23 | by ( Lindsay Dodgson | ) www.businessinsider.com time to read: +5 min

They want diverse employers that offer a good work-life balance, remote positions, and solid mental health policies. AdvertisementThis, she said, is what's known as a "double bind," and it drives Zoomers mad. A double bind, Chang explained, is "when you are giving two or more contradicting messages at the same time." In the survey, Gen Zers were the most likely cohort to have been in a double bind (84%). Advertisement"People my age and up didn't talk about mental health," Chang said, which is why older generations can be a bit "put off" when a young employee asks for a mental health day.

Persons: —, Jeanie Y, Chang, We're, Dale Wilsher, Gregory Bateson, Wilsher, Gen Zers, Oliver Wyman, Zoomers, Zers Organizations: Service, Business, Forbes

☆ This Gen Zer traveled to 10 countries in 3 years. Here's how she did it while earning $25 an hour.
▼ + stars: | 2024-07-20 | by ( Jordan Hart | ) www.businessinsider.com time to read: +6 min

Read previewWaiting tables a few months at a time is enough for Celeste Cox to fund her travels to bucket list destinations. The 26-year-old has been to 10 countries since embarking on what she intended to be a gap year in 2021. She's managed to do all of it by working as a waitress in New York City in between her adventures. She prefers Latin American countries since she speaks Portuguese and Spanish, and US dollars typically stretch further in those places. Advertisement"These travels have taught me so much about life and have really given me so much life experience," Cox said,

Persons: —, Celeste Cox, She's, Cox, Dominican Republic —, I'd, Celeste Cox Cox, Zers, Worldpackers, it's, she's, Z, I've, they're, It's Organizations: Service, Business, Hunter College, BI Locations: New York City, touristy, Puerto Rico, Dominican Republic, Brazil, Colombia, Italy, Workaway, it's, America, Sardinia

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

☆ 100-year-olds share the importance of friendship for a long, happy life: 'Without your friends, where are you?'
▼ + stars: | 2024-07-09 | by ( Renée Onque | ) www.cnbc.com time to read: +2 min

At 102, Deborah Szekely is just as lively as people decades younger, and her social life is booming. In fact, one of the most important things that Szekely credits for her long life is friendship. Szekely also encourages those who are looking to live a long life to "find friends who are active" and often gets her daily physical activity alongside her close friends. Then there's the kind of friends that count," Szekely tells CNBC Make It. "The people you're surrounded with, friends, relatives, family," Hodes added, have a major effect on you.

Persons: Deborah Szekely, Szekely, Madeline Paldo, Dunkin, Paldo, Jayne Burns, Joann Fabric, Burns, Zer, Gladys McGarey, McGarey, Shirley Hodes, Hodes Organizations: Puerta, CNBC, Crafts

☆ Gen Zers in a survey said they need $200,000 a year to feel financially secure — more than any other generation
▼ + stars: | 2024-07-01 | by ( Juliana Kaplan | Ayelet Sheffey | ) www.businessinsider.com time to read: +4 min

Americans think they need a whole lot more money than they're making to feel comfortable, according to a new survey. The latest survey from Bankrate, which polled 2,407 US adults from May 16 to 20, looks at how much Americans think they need to make to feel financially secure. According to the survey, Gen Z respondents said a $200,000 annual salary would ensure their financial security. Millennials said they'd need $199,000, and for Gen Xers and baby boomers, their financial security targets were at $183,000 and $171,000, respectively. To be sure, it's not all bad for Gen Z. TransUnion's latest Consumer Pulse Study found that Gen Z is "the most stable of any generation" in this year's second quarter, with 45% of them reporting wage increases over the past three months.

Persons: Gen, Millennials, Gen Xers, Gen Zers, Sarah Foster, Z, Zers, Michele Raneri, it's, They're, Charlie Wise, that's, Zer Organizations: Service, Business, Survey, Consumer Finances, Washington Post, Bureau of Labor Statistics, BI, Millennials, TransUnion Locations: Bankrate

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