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Bank of America Unlimited Cash Rewards Credit Card for Students OverviewIf you prefer a credit card with a simple rewards structure over one that maximizes your return on spending, then the Unlimited Cash Rewards Credit Card for Students is a good fit. If your credit falls short, consider other options like a secured credit card or a starter credit card that gives you a better shot at approval. Bank of America Unlimited Cash Rewards for Students Benefits and FeaturesLike most student credit cards, the Unlimited Cash Rewards Credit Card for Students doesn't come with high-value benefits like travel insurance or airport lounge access. Bank of America Unlimited Cash Rewards for Students Annual Fee and Other CostsThe Unlimited Cash Rewards Credit Card for Students has no annual fee, but it does impose several other fees. Methodology: How We Reviewed the Bank of America Unlimited Cash Rewards for StudentsWe compared the Bank of America Unlimited Cash Rewards Credit Card for Students to similar student and 0% APR credit cards from Bank of America and other card issuers, and evaluated several factors, including:Rewards earning potential — Does the card earn rewards at competitive rates?
Persons: it's, Cash, cardholders, Merrill, You'll, you've, doesn't, you'll, Uber Organizations: Business, Bank of America, of America, Students, Capital, Walmart, Card
The information for the following product(s) has been collected independently by Business Insider: U.S. Bank Cash+® Visa® Secured Card, U.S. Bank Cash+® Visa Signature® Card. U.S. Bank Cash Plus Secured Card Annual Fee and Other CostsThe U.S. Bank Cash+® Visa® Secured Card is a $0-annual-fee card. U.S. Bank Cash+ Visa Secured Card ComparisonU.S. Bank Cash+ Visa Secured Card vs. U.S. Bank Secured Visa CardThe U.S. Bank Secured Visa® Card has fewer frills than the U.S. Bank Cash+® Visa® Secured Card; you won't earn any rewards on your spending, and as far as extra benefits go, you get free access to your credit score and that's about it. Read our U.S. Bank Secured Visa Card reviewU.S. Bank Cash+ Visa Secured Card vs. U.S. Bank Cash+ Visa Secured Card Frequently Asked QuestionsIs the U.S. Bank Cash Plus Visa Secured Card worth it?
Persons: You'll, That's, You've, It's, you've, you'll, , it's Organizations: Business Insider, U.S . Bank, Bank, U.S, Rewards, EV, Bank Cash, Visa, Department, Sporting, Travel, Gas, . Bank, Card, U.S . Bank Cash, Finance Locations: U.S
Read previewDonald Trump is not happy about Joe Biden dropping out of the race, and he's been blasting Democrats for making his campaign "start all over." The former president posted several angry rants on his platform Truth Social, accusing Democrats of wasting Republicans' time and money. He even alleged that their last-minute switch-up all but replacing Biden with Vice President Kamala Harris amounts to fraud. "So, we are forced to spend time and money on fighting Crooked Joe Biden, he polls badly after having a terrible debate, and quits the race," the Republican nominee wrote on Truth on Sunday. AdvertisementSo Trump is right about one thing: his campaign does have to "start all over again."
Persons: , Donald Trump, Joe Biden, Biden, Kamala Harris, Crooked Joe Biden, Joe, askin, Trump, It's, Harris —, Biden didn't, Harris, Lyin Organizations: Service, Business, Republican, Republican Party, Fake News Media, Trump Locations: The
Bank of America Customized Cash Rewards Credit Card OverviewThe Customized Cash Rewards Credit Card for Students' long 0% introductory APR is a standout addition to a card that also offers a welcome bonus and ongoing rewards. If your credit falls short, consider other options like a secured credit card or a starter credit card that gives you a better shot at approval. Bank of America Customized Cash for Students RewardsStudent and no-fee credit cards don't always come with welcome bonuses or earn rewards for ongoing spending, but the Customized Cash Rewards Credit Card for Students offers both. Bank of America Customized Cash Rewards for Students Benefits and FeaturesThe Customized Cash Rewards Credit Card for Students doesn't come with luxury benefits like airline and hotel status or expedited airport security. Compare the Bank of America Customized Cash Rewards for StudentsWe compared the Customized Cash Rewards Credit Card for Students with two other popular student credit cards.
Persons: don’t, you'd, cardholders, Merrill, You'll, you've, doesn't, you'll Organizations: Business, Bank of America, of America, Mobile Banking, Students, Amazon, Target, Walmart, Costco, Sam's, Merrill, Capital, Uber, Capital One Entertainment Locations: Capital
You'll receive a notice from your bank when your CD maturity date is approaching. We'll explain the CD maturity process and what to do when a term ends so you know your options. What happens at CD maturityWhen a CD reaches maturity, that means your term is about to end. What the CD grace period meansFinancial institutions will specify in the bank account agreement a grace period to make changes to your account. The most common CD maturity dates range from six months to five years after you open an account.
Persons: You'll, Banks, you've, Marcus, you'll, Alvin Carlos, Carlos Organizations: Alliant, of America, Bethpage Federal, Chase, Citi, Federal Credit, PNC, Federal, Savings, Synchrony, Truist, CFA, District Capital Management, Governors, Federal Reserve, Bank Locations: Bethpage, Wells Fargo
But the mercurial billionaire was once a skeptic — and very vocal about why he thought Trump shouldn't govern the US. Back in July 2022, Musk criticized Trump after the former president called him a "bullshit artist" during a rally in Alaska. Musk later said in a follow-up post the same day that having Trump as president would result in "too much drama." Musk would go on to host DeSantis' campaign launch on X in May 2023, which was riddled with technical glitches and delays. The pair got closer this year, eventually culminating in a full-throated endorsement of Trump from Musk after Trump survived a failed assassination attempt on July 13.
Persons: , Elon, Donald Trump's, Trump, Musk, Ron DeSantis, DeSantis, Reid Hoffman, Vinod Khosla, Vance, Vinod, Vance LFG, Jordan Peterson, it's, we've, @jordanbpeterson Organizations: Service, Business, Trump, Gov, Biden, Musk, Democratic Party, Republican Party, BI Locations: Alaska, Florida, United States of America, Gigafactory Texas
In this article GOOGL Follow your favorite stocks CREATE FREE ACCOUNTGoogle announced in a surprise move that it would reverse its years-long plan to phase out third-party cookies. The U.S. internet giant said late Monday it is reversing a long-planned move to ditch third-party cookies — the critical text files that track users' web activity for advertisers. And what does Google's decision mean for how you interact with the web moving forward — or, for that matter the advertising industry? Roughly 40.9% of websites globally use cookies to gather data on users, according to data from W3Techs, a web technology research firm. This issue forms the main reason why Google has now decided to terminate its planned depreciation of third-party cookies.
Persons: Daniel Acker, Matthew Holman, Cripps, it's, Google's, Steve Silvers, there's, Silvers, Authority —, Vasiliki, Makou, Jennifer Elias Organizations: Google, Bloomberg, Getty, CNBC, Competition, Authority, ICO, Data Locations: U.S, W3Techs, Europe, London
Even if you don't fly British Airways, you can get far with the British Airways Visa Signature® Card. British Airways Credit Card Benefits10% discount on British Airways flights from the USBritish Airways Visa Signature® Card members can save 10% on British Airways flights departing the US — which basically means flights to London. Visa Signature benefitsAs a Visa Signature card, the British Airways Visa Signature® Card offers access to the Visa Signature Concierge for help with things like hard-to-get restaurant reservations or theater tickets. British Airways Credit Card Annual Fee and Other CostsThe British Airways Visa Signature® Card has a $95 annual fee and no foreign transaction fees. Methodology: How we reviewed the British Airways Visa Signature CardThe credit card team at Business Insider compared the British Airways Visa Signature® Card to other travel and airline credit cards with similar annual fees.
Persons: shouldn't, I've, you've, Chase, Hilton, it's, It's, you'll, BA's Organizations: British Airways, Alaska Airlines, American Airlines, Cathay, Japan Airlines, Qantas, Aer Lingus, Aer, British Airways Visa, FDIC, British, Chase, Chase British Airways, United, Hyatt, Airways, American, Delta, JetBlue, Hilton . American Express, Cathay Pacific, US British Airways, Card British Airways, Chase Travel, Capital, DoorDash, Venture, Business Locations: Cathay Pacific, Iberia, London, Aer Lingus, Hawaii, West Coast, Dublin, East, Chicago, New York, Dallas, Cancun, Miami, Nassau, Bahamas, North America, British, Europe, Asia, Auckland , New Zealand, Sydney, Melbourne, Phoenix, Los Angeles, Oakland , Portland, San Diego, San Francisco, San Jose, Seattle, East Coast, Shannon, Ireland, Boston, Hartford , New York, Newark, Toronto, Philadelphia, Cleveland, Washington, Aer
This story is available exclusively to Business Insider subscribers. "If you're not playing with all the tools and trying to build apps on top of them, you're already obsolete," Blank told BI. "The pieces of the lean startup are just so obvious to me to be automated and then strung together. But then a lot of it won't tell you when it's not working," Blank told BI. From Blank's perspective, one side of entrepreneurship that is safe in the emerging AI world is the role of the visionary founder.
Persons: , Steve Blank, Blank, It's, it's Organizations: Service, United States Census Bureau, Business, Harvard, Modern Entrepreneurship, Stanford, Silicon, Founders
download the appSign up to get the inside scoop on today’s biggest stories in markets, tech, and business — delivered daily. Read previewAs dozens of Democratic party leaders are throwing their weight behind Kamala Harris to take over the presidential ticket, former New York City Mayor Mike Bloomberg says they should slow their roll. AdvertisementBut in the midst of widespread support for Harris, Bloomberg isn't the only one going against the grain to suggest a lengthier nomination process. Some Democrats have called for a mini-primary, which would allow potential Harris challengers to make their case ahead of an open convention in August. Sen. Joe Manchin, seen by some as a possible rival to Harris, ruled out running himself, but also said Democrats shouldn't rush to rally around a candidate.
Persons: , Kamala Harris, Mike Bloomberg, Bloomberg —, Joe Biden, Harris, Biden, Hillary Clinton, Nancy Pelosi, Alexandria Ocasio, Jim Clyburn —, Sen, Joe Manchin, shouldn't, Trump, Donald Trump's Organizations: Service, Democratic, New York City, Bloomberg, Republican, Business, Democrats, Rep Locations: New York, Chicago, Alexandria, Cortez
Kid's savings accounts are a great way to teach your kids how to budget, create savings goals, and start building up their savings. Best Kids Savings Account ReviewsThe best savings accounts for kids offer good monitoring features, educational resources, and low monthly fees. Key Benefits of a Kids' Savings AccountThe key benefit of getting a kid's savings account is that you can grow your child's savings in a relatively accessible and safe way. Features to Look for in a Kids' Savings AccountHigh Interest Rates on Kid's BankingFor the most part, kid's savings accounts are interest-earning accounts. How to Open a Savings Account for Your ChildChildren's Savings Account Eligibility RequirementsA kid cannot open a savings account on their own.
Persons: Chase, Alliant, Foster, JP Morgan Chase, Jeffrey Epstein's, Banks, isn't, there's, Tania Brown, Sophia Acevedo, Mykail James, Roger Ma, James Organizations: Mortar Bank Chase, Chase, Best Online Bank, Best Credit Union Alliant Credit, Credit Union, Foster, Business, Chase Bank, Washington DC, Capital, Credit, Alliant Credit, Savings, Foster Care, U.S . Virgin, Banking, Kid's Banking, Kid's, Kids, FDIC Locations: NY, LA, TX, VA, NJ, Washington, Connecticut , Delaware , Louisiana , Maryland , New Jersey , New York , Texas, Virginia, Chevron
Read previewWarning: Spoilers ahead for "House of the Dragon" season two, episode six. "House of the Dragon" hasn't been shy about taking some liberties with its source material. The HBO hit, based on the fictional House Targaryen history book "Fire and Blood" by "Game of Thrones" author George R.R. Martin, made its biggest departure from the book so far back in season one when it changed the fate of Laenor Velaryon. This is a much happier ending for Laenor, but it leaves one major loose thread: his dragon, Seasmoke.
Persons: , hasn't, George R.R, Martin, Laenor, Rhaenyra Targaryen's, Ser Qarl Correy, Rhaenyra, Daemon Targaryen, Daemon, Qarl, Seasmoke, Jacaerys, Steffon, Addam, Alyn, they'd, it's, Daenerys, Velaryon, 🐉, ince, ike Organizations: Service, HBO, Business, Aegon, Greens, ust Locations: Essos, Hull
Mortgage rates have steadily been decreasing for several months now. Mortgage rates are determined by a variety of factors, including economic trends, Fed policy, investor demand, and more. See more mortgage rates on Zillow Real Estate on ZillowToday's refinance ratesMortgage type Average rate today This information has been provided by Zillow. This is a significant slowdown compared when it peaked at 9.1% in 2022, which means mortgage rates should start trending down soon. This means your entire monthly mortgage payment, including taxes and insurance, shouldn't exceed 28% of your pre-tax monthly income.
Persons: they've, Freddie Mac, you'll, Fannie Mae Organizations: Federal Reserve, Zillow, Mortgage, Association, Sky Locations: Chevron
Social Security income is viewed the same as any other type of income, with one exception that can work in recipients' favor. Age and Social Security incomeYour age and how much Social Security income that allows you to take in will make a difference, too. To get this information to share with your lender, you can request a Social Security Benefit Verification letter from the Social Security Administration's website. Getting a mortgage on Social Security FAQsWhat types of home loans are available for seniors on social security? Lenders consider Social Security income as part of your total income, which can help qualify for various home loan options.
Persons: you'll, Shashank Shekhar, Shekhar Organizations: Social Security, Social, Department of Housing, Urban Development, Department of Veterans Affairs, DTI, Security, Chevron Locations: Chevron
Read previewJPMorgan Asset Management strategist Michael Cembalest was right on the money when he predicted that President Joe Biden would drop out from the 2024 presidential race. Cembalest, who chairs the company's market and investment strategy, made the prediction in his list of "top 10 possible surprises for 2024." "President Biden withdraws sometime between Super Tuesday and the November election, citing health reasons. Biden passes the torch to a replacement candidate named by the Democratic National Committee," Cembalest wrote. For one, Cembalest wrote in his list that "the driverless car backlash is coming."
Persons: , Michael Cembalest, Joe Biden, Cembalest, Biden, Kamala Harris, Harris, Jake Sullivan, Christopher Cavoli, Cavoli Organizations: Service, Management, Business, Super, Biden, Democratic National Committee, Democratic Party, EV, Elon, Russia, US, Armed, Committee, Cembalest, JPMorgan Asset Management, BI Locations: Ukraine, Russia
Read previewKamala Harris is enjoying a moment in the viral sun — with her #KHive surging into the mainstream, admitting they've been "coconut pilled." One coconut emoji too many, and Harris HQ could be veering into cringe, losing the coveted brain rot demographic. They've already started to try to capitalize on the memes — a little: The Harris presidential campaign's official TikTok account posted Charli XCX's Sunday tweet that said: "Kamala is brat." The Kamala HQ bio also reads "ready to provide context," which is a reference to another Harris-related meme. Advertisementkamala IS brat — Charli (@charli_xcx) July 22, 2024(If the coconut and brat references don't make sense to you, a brief explanation: Brat is a reference to Charli XCX's latest album, which has a girls-just-wanna-have-judgment-free-fun vibe.
Persons: , Kamala Harris, they've, Harris, They've, Kamala, kamala, — Charli, Charli, it's, Sen, Bryan Schatz, y8baSx44FL — Brian Schatz, Brandon, Joe Biden, Biden, Charlie Warzel, Trump, Alexandria Ocasio, Cortez —, Hillary Clinton's, Rachel Platten's, Katy Perry, qMYVn1BOtV, Brian Tyler Cohen Organizations: Service, Business, Hawaii, Biden, Convention
For Love & Money is a weekly Business Insider column answering relationship and money questions. Write to For Love & Money using this Google form. If your siblings don't already recognize how lucky they are to have you, I assure you they will someday. Another way you can help your siblings when you're gone is to prepare them for it now. Write to For Love & Money using this Google form .
Persons: , I've, I'm, You've, you've, doesn't Organizations: Service, SNAP, Medicaid
U.S. Vice President Kamala Harris departs Air Force Two as she arrives at Pope Army Airfield to campaign in Fayetteville, North Carolina, U.S., July 18, 2024. Kevin Mohatt | ReutersA call Friday featuring Vice President Kamala Harris and about 300 major Democratic donors left many who dialed in frustrated, with one donor declaring it "ludicrous" shortly before it ended, according to two sources familiar with the call. During the call, Harris, who was asked to join the call by Biden's senior advisors, praised Biden, according to campaign officials. NBC News reached out to the Biden campaign for comment. But what angered many donors, this source said, was that during the wait — which was about 20 minutes — donors were "admonished."
Persons: Kamala Harris, Kevin Mohatt, Joe Biden's, Jen O'Malley Dillon, Biden, Joe Biden, Tom Brenner, Harris, Biden's, Donald Trump, Melissa Morales, Somos Votantes, Kamala, Trump Organizations: Air Force, Pope Army, Reuters, U.S, Market, Office, NBC, Biden, Democratic, NBC News Locations: Fayetteville , North Carolina, U.S, Las Vegas , Nevada, Provincetown, Mass
"Everyone is thinking they deserve a tip," Pam — who asked to go by her first name for privacy, but whose identity has been verified with Business Insider — said. Advertisement"I just don't think tipping is a good thing to do," Sandberg told BI. AdvertisementFor instance, Sandberg doesn't see tipping as necessary if he's buying something himself because "there's no extra service." "If I have to stand up to order my food or to buy my product, you're not getting a tip," Sandberg said. AdvertisementMeanwhile, there are services Pam doesn't tip for and ones she does.
Persons: , Pam, Pam —, It's, Ted Rossman, Rossman, I'm, Xers, culture's, it's, Pam isn't, Michael Sandberg, shouldn't, Sandberg, Tipping, Uber Organizations: Service, Pew Research, Business, Pew Research Center Locations: gratuities
Single men spend $442 per wedding compared to partnered ones who spend $254. On average, single people spend $273 more to go to a wedding than those in a relationship. "Ubers to wedding events covered by one person, rather than multiple, will put a greater financial burden on that single person," she says. 'Consider which wedding events are must-attend'There are ways to curb spending as a wedding attendee, Cullman says. "Consider which wedding events are must-attend and which ones you could skip to save on costs," she says.
Persons: Dana Saydak, she's, Saydak, CouponBirds, Allison Cullman, Hannah Nowack, Ubers, Zola, Sarah Pearlman, Pearlman, that's, Cullman, aren't, Nowack, Jen Glantz, Glantz Organizations: CNBC, Zola, Hire Locations: Chicago, Boston, India
Here are the best mortgage lenders for first-time homebuyers and the affordable loans they offer, as chosen by Business Insider editors in 2024. If you're a Bank of America Preferred Rewards customer, you can get discountsCheck mark icon A check mark. Offers many unique types of mortgagesCheck mark icon A check mark. Low Cost Mortgages come with only $295 in closing costsCheck mark icon A check mark. Mortgage credit certificatesSome HFAs also offer mortgage credit certificates to first-time homebuyers.
Persons: It's, Chase, Grant, You'll, Carrington, Carrington doesn't, forbearance, HELOC, homebuyers, Truist, doesn't, Flagstar, they're, homeownership, Fannie Mae, Freddie Mac's, you'll, Anthony Park, Molly Grace, Julie Aragon, There's, Lauryn Williams, , there's, PenFed, USAA, Wells, Wells Fargo, Ally Organizations: Homebuyers Bank of America Mortgage, Mortgage, Chase, Federal Credit Union Mortgage, New, U.S, Bank Mortgage, Federal Savings, Loan, Truist, Flagstar Bank, Business, Bank of America, of America, FHA, Bank, Bank of, Bank of America's, Miami . Bank of America, USDA, Guild Mortgage, Veterans, Navy, Credit, Federal, Navy Federal, Navy Federal Credit Union, Department of Defense, Student Loan, . Bank, US Bank, U.S . Bank, Carrington Mortgage, Carrington Mortgage Services, Consumer Financial Protection, DC, Private Mortgage Insurance, PMI, Down Payments, Quicken, Rocket Mortgage, Rocket, CrossCountry Mortgage, CrossCountry, Loans, Flagstar Bank Mortgage, Federal Housing Finance Agency, Federal Housing Administration, US Department of Housing, Urban, US Department of Veterans Affairs, US Department of Agriculture, Best, Chevron, CFP, Pentagon Federal Credit Union, BBB, Fairway Independent Mortgage Corporation, Veterans United, Movement Mortgage, NBKC, PNC Bank, Better Business Bureau Locations: VA, HELOC, Washington, DC, Charlotte, Dallas, Detroit, Los Angeles, Miami, Delaware, Vermont, Delaware , Vermont, Wyoming, J.D, New York, ., U.S, Massachusetts, North Dakota, Ohio, Florida, California , Colorado , Connecticut, Georgia , Illinois , Indiana , Kentucky, Maryland , Massachusetts , Missouri , New Hampshire , New Jersey , New York, North Carolina , Ohio , Oregon , Pennsylvania, South Carolina , Tennessee, Virginia, Tennessee, Arizona , Alaska, Hawaii, Arizona , California, Florida , Indiana , Michigan , New Jersey , New York , Ohio, Wisconsin, Flagstar, Arizona , California , Connecticut , Idaho , Michigan, Nevada , Ohio, New Mexico, Chevron, Wells Fargo
In America's 20 biggest cities, a 20% down payment ranges from $39,127 in Oklahoma City to $263,392 in San Jose, California. On a $200,000 home, a 3% down payment means you'll need $6,000. FHA mortgage: 3.5%To get an FHA mortgage, you'll need at least a 3.5% down payment. The exact amount you'll pay depends on your down payment and whether you've gotten a VA loan previously. PMI protects lenders on mortgages with high loan-to-value ratios, and it's added to the borrower's monthly mortgage payment.
Persons: you'll, Insider's, Fannie Mae, Freddie Mac, you've, You'll, it's Organizations: Phoenix, Fort, Oklahoma, PMI, Opportunity, National Association of Realtors, Chevron, USDA Locations: Oklahoma City, San Jose , California, Government, York City, NY, Angeles, LA, Chicago, Houston, AZ, Philadelphia, Antonio, Diego, Dallas, Austin, Jacksonville, Jose, Fort Worth , TX, Columbus, Charlotte, NC, Indianapolis, Francisco, Seattle, WA, Denver, homeownership, Chevron
I asked a financial planner whether I should take money out of savings if interest rates drop. I haven't felt ready to follow their advice, especially since my high-yield savings account at Ally Bank has been offering 4% to 5% APY on the money in the account. If that happens, it might make sense for me to move money out of my high-yield savings account. I met with certified financial planner Jake Skelhorn, who shared three things I can do with that cash if interest rates drop. "While more volatile year-to-year, stock market returns have averaged approximately 10%, which is about double what you're getting in a high-yield savings account today."
Persons: it's, they've, haven't, Jake Skelhorn, Skelhorn Organizations: Ally Bank
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
Read previewA draft budget approved by Germany's government shows the country is planning to halve its military aid to Ukraine next year. The draft budget slashes the amount promised to Ukraine to $4.35 billion in 2025, compared to the roughly $8.14 billion it is receiving this year, Reuters reported. There are fears that Trump will scale back or even totally halt US aid to Ukraine. Germany is the second-biggest donor country by volume of military aid to Ukraine and is Europe's biggest economy. As such, the draft budget is a "moral hazard" for the country, Loss said.
Persons: , Christian Lindner, Lindner, Rafael Loss, Donald Trump, Mary, Trump, he's, MAGA, JD Vance, there's, Olaf Scholz, Scholz Organizations: Service, Reuters, German, Business, European Council, Foreign Relations, Ukraine, Politico, Trump Loss, NATO Locations: Ukraine, Germany, Berlin, Europe
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