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Read previewIn 2019, at the age of 23, Lauren Simpson and her husband Ian decided to pursue an ambitious goal: retire by age 35. The rest is from the equity they've built in four properties they've purchased over the last three years: one primary residence and three rental properties. These properties also provide the couple with rental income that they put toward their savings. When someone buys a second home or investment property, mortgage lenders often require a downpayment of at least 10%. In addition to buying investment properties, Simpson said she and Ian have done whatever they can to grow their savings.
Persons: , Lauren Simpson, Ian, Simpson, Roth, they've, New Hampshire — Simpson, we've Organizations: Service, Business, FIRE, Roth IRA, baseball Locations: New Hampshire, Florida,
Early industry testing of the Privacy Sandbox tools designed to emulate online targeting produced fairly dire results. Google won't escape regulatory scrutinyIt's unclear whether keeping cookies would allow Google to shake off regulators' grasp of its Privacy Sandbox. In 2022, Google pledged to give the UK's Competition and Markets Authority oversight of its Privacy Sandbox rollout and Chrome cookie removal. A key question now is whether Google's commitments to the CMA need to change now that third-party cookies remain in the mix. And there isn't a clear answer about the future governance of the Privacy Sandbox, to ensure Google doesn't preference its own ad products.
Persons: , Ciaran O'Kane, Bobby Ewing, Jon Snow, they'd, Googler Organizations: Service, Business, Google, YouTube, Apple, CMA
It found that people generally have a strong preference for a brick-and-mortar experience when buying luxury items. Online luxury sales picked up during the pandemic but have since come back down to earth. The overarching theme is that many consumers haven't warmed up to shopping luxury — namely, ultra-luxe items and brands — online. AdvertisementWe try to treat luxury with the same e-commerce experience we use for paper towels, and that just doesn't work. For the most part, luxury brands prefer that customers would rather shop in-store.
Persons: Gen Z, Claire Tassin, haven't, Jason Goldberg, hasn't, Goldberg, Luca Solca, Solca, Nora Kleinewillinghoefer, Prada, Tassin, Louis Vuitton, Kleinewillinghoefer, Emily Stewart Organizations: Walmart, Morning, Moda, Groupe, Bernstein, Bain & Company, Burberry, Gucci, luxe, Companies, Amazon, Business Locations: , Kearney
In September, about a dozen founders arrived in Miami to participate in AI Forge, a new startup incubator. Courtesy of an AI Forge Miami participantJackson said that none of the Miami founders had complained about developers turning work in late. AI Forge agreed to take over 9% of their businesses, "but that means they've got the other 91%," he said. Two Miami founders said they were considering taking legal action against AI Forge over their late and missing payments. AdvertisementAI Forge discontinued its Miami program after the first run, but it launched its third London program in May.
Persons: They'd, Kevin Jackson, , hadn't, Jeffrey Greenberg, Slack, Jackson, Forge, PitchBook, they'd, Forge hadn't, didn't, they've, Craig Massey, Massey, Forge's, Heradio Luces Organizations: Service, Founders, Six Miami, Universal, Getty, Forge, Miami, London Locations: Miami, Italy, Miami Bay, Turkey, Los Angeles, Pennsylvania, London
Google cancels plans to kill off cookies for advertisers
  + stars: | 2024-07-22 | by ( Jennifer Elias | ) www.cnbc.com   time to read: +2 min
After years of delay, Google says it will no longer cancel and replace third-party cookies — a practice long used by advertisers — for its internet browser Chrome. Cookies are small pieces of code that websites deliver to a visitor's browser and stick around as the person visits other sites. To do so, Google launched its "Privacy Sandbox" initiative to find a solution that protects user privacy and lets content remain freely available on the open web. But in June 2021, Google pushed back the timeline, giving the digital advertising industry more time to iron out plans for more privacy-conscious targeted ads. In a blog post on Monday, the company said it has received feedback, from both advertisers and regulators, that informed its latest decision to cancel the plan to kill off third-party cookies in its browser.
Persons: , they'd, Anthony Chavez Organizations: Google
You can find foreclosed properties for sale on online listing sites or in your local newspaper. Often, you can browse foreclosed properties in your area using the same methods you would to buy a regular home, such as online listing sites like Zillow. Foreclosed properties owned by the government-sponsored enterprises Fannie Mae and Freddie Mac can also be found online. Fannie Mae's program for Fannie-owned foreclosed properties is called HomePath, while Freddie Mac's is called HomeSteps. Just be prepared for repair costs, as many foreclosed properties need significant updates before they're habitable.
Persons: they're, they'd, Fannie Mae, Freddie Mac, Fannie Mae's, Freddie Mac's, you'd, Kofi Nartey, it's Organizations: Fannie, HUD, REO Locations: Chevron
My parents still pay for my cellphone bill and a monthly music streaming subscription. AdvertisementExcept for one or two things, like my cellphone bill. AdvertisementMaybe it'll change once I get marriedI'm not married yet, which somehow has a lot to do with my current status on my parents' cellphone plan. Admittedly, it's a huge relief, even if it's just a monthly cellphone bill and a streaming service here and there. But don't ask me how that works or how to get a better deal on your cellphone plan.
Persons: stepmom, they'd, They've, I've, , I'm, we'd, Will I, that's, he'd Organizations: Service, Apple Music, Spotify, Business, Apple Locations: Los Angeles
It was because I knew that working in Big Tech in Silicon Valley would change me into a different person and I'd never move back. It's been 11 years since then, and I think I've gotten happier with my life here now that I've worked at a few different jobs in Big Tech. But despite this, working in the US suits me better than working in India because of my individualistic mindset. Some people back home think very competitively — they've hinted that they think I'm just plain lucky, and if they had the opportunity, they'd do it too and much better. Even if I had all the resources to go back to India, it'd be different — I've grown apart from who I was.
Persons: Uday Padyana, I'd, It's, I've, India I've, I'm, it's, they've, there's, , haven't, would've, India I'm, could've, it'd, Jeff Bezos's, Jane Zhang Organizations: Service, Big Tech, Big, Business, PayPal, Uber Locations: Silicon Valley, India, Big Tech, Silicon, Atlanta, Washington , DC, American, janezhang@businessinsider.com
Google scraps plan to remove cookies from Chrome
  + stars: | 2024-07-22 | by ( ) www.reuters.com   time to read: +3 min
The Google logo is seen in Las Vegas, Nevada, U.S. January 10, 2024. REUTERS/Steve Marcus/File Photo Purchase Licensing Rights , opens new tabCompanies Google Inc FollowAlphabet Inc FollowJuly 22 (Reuters) - Google is planning to keep third-party cookies in its Chrome browser, it said on Monday, after years of pledging to phase out the tiny packets of code meant to track users on the internet. "Advertising stakeholders will no longer have to prepare to quit third-party cookies cold turkey," eMarketer analyst Evelyn Mitchell-Wolf said in a statement. "Google's decision to continue allowing third-party cookies, despite other major browsers blocking them for years, is a direct consequence of their advertising-driven business model," Cohen said in a statement. Reporting by Yuvraj Malik and Jeffrey Dastin in San Francisco; Editing by Devika SyamnathOur Standards: The Thomson Reuters Trust Principles.
Persons: Steve Marcus, they'd, Anthony Chavez, Chavez, Evelyn Mitchell, Wolf, Lena Cohen, Cohen, Yuvraj Malik, Jeffrey Dastin, Devika Organizations: REUTERS, Google, Markets Authority, European Union, General Data Protection, CMA, Office, Electronic Frontier Foundation, Thomson Locations: Las Vegas , Nevada, U.S, San Francisco
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Persons: Marriott, Regis, you'll, I've, We've, they've, You'd, You've, Cardholders, it's, Amex, cardholders, Taylor Organizations: Business, Marriott, Read, Marriott Bonvoy Marriott, Ritz, Carlton, Starwood Hotels, Resorts, JW Marriott, Marriott Delta, Sheraton Gaylord Hotels Homes, Villas, Marriott International, Marriott Hotels, Resorts Marriott, Carlton Reserve, Ambassador, Marriott Bonvoy, JW Marriott Chicago, British Airways Executive Club, American Airlines, Korean, Alaska Airlines, Cathay, Cross, Unicef Marriott, American Express, Emirates, Hertz, Hertz Five Star, United Airlines, TSA, Global, TSA PreCheck, Cell, New Hampshire Insurance Company, AIG Company, U.S, Chase, Amex, , Silver Locations: Bora Bora, Aspen, St, Regis, Villas, Maldives, Dubai, Greece, Chicago, Regis Beijing, Hong Kong, Cambridge, Delta, Asia, Cathay Pacific, Alaska, New York, Singapore, U.S, Marriott Bonvoy, Marriott
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
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
Take activist hedge funds, which buy up a percentage of a company's stock (or an asset) and then use their weight to push for operational changes. Or there would be a fun, splashy war between the hedge fund and the C-suite. Hedge funds rely on outperforming the market when times are hard and it's easier to find pockets of outperformance and exploit them. Of course, hedge funds are having a hard time coming up with a crew because the clients have changed too. Advertisement"At the end of the 1960s, the bubble burst, and everyone thought, 'That's the end of hedge funds,'" Mallaby said.
Persons: David Tepper, Anthony Scaramucci, Lenny Kravitz, lanyards, Bobby Jain, Goldman Sachs, Denise Shull, Charles Lemonides, ValueWorks, Saba Capital's Boaz Weinstein, BlackRock, Nelson Peltz, Bob Iger, Paul Singer's Elliott, , Elliott, Meir Statman, Statman, I'm, That's, Paris, Marc Jacobs, they've, they're, Sebastian Mallaby, Julian Robertson, Julian, Mallaby, Lemonides, wonky quants, Keith Gill, David Einhorn, Andrew Left, bro Organizations: Appaloosa Management, Carolina Panthers, Bellagio, Millennium Management, Credit Suisse, Jain, Disney, Paul Singer's Elliott Management, Santa Clara University, Behavioral Finance, New, Tiger Management, Met, rockstar, Ferrari, Greenlight, Harvard, Princeton grad, Research Locations: Vegas , New York City, Singapore, Argentine
download the appSign up to get the inside scoop on today’s biggest stories in markets, tech, and business — delivered daily. Read previewThis as-told-to essay is based on a conversation with Geneviève Laforce, a 24-year-old content creator from Montreal, whose partner grew up wealthy. We've learned that managing a relationship with someone who grew up so differently requires constant compassion and open communication. I've been able to broaden her worldview and provoke a deeper sense of compassion for those who are struggling. If money complicates your relationship and you want to tell your story, please email Tess Martinelli at tmartinelli@businessinsider.com.
Persons: , Geneviève Laforce, It's, We've, isn't, I've, she's, They've, Tess Martinelli Organizations: Service, Business Locations: Montreal, tmartinelli@businessinsider.com
Your mortgage interest rate is based in part on how risky lenders consider you to be as a borrower. Use these strategies for lowering mortgage interest rates. Improving your credit scoreRaising your credit score is one way to get a lower interest rate on your mortgage. The role of credit in mortgage ratesThe impact of credit scores on mortgage rates is significant. Locking in your rateA rate lock lets you cement your interest rate while you finalize your home purchase.
Persons: They'll, they'd, Freddie Mac, , you'll Organizations: ICE Mortgage Technology, PenFed Credit Union, New, Mortgage, Survey Locations: Portland , Oregon, California
Read previewIt's hard to feel like you're moving backward in life, but it's a little easier when you're supported by the people you love. Without a job lined up and very little in my savings, I resorted to moving back in with my parents. My parents don't charge me rentIn the spring, I was hopeful about a few jobs, but they didn't work out. We don't always see eye-to-eye, and it's almost impossible not to feel drowned out when I'm younger and in the household's minority viewpoint. They're available to talk about my day, give me advice, or comfort me when I'm really struggling with the job search.
Persons: , they'd, It's, I've, Luke Macy, Luke Macy It's, I'm, we'll Organizations: Service, Business, Trump, Republican
My household was conservative and I tend to vote Republican, but I never stick to the party for the sake of consistency. I've seen the state change politically, watching it go from blue to red as I went from childhood, to adulthood, to old age. President Biden was, quite frankly, too old four years ago, and he'll certainly be too old four years from now. As far as my dad was concerned, anyone beyond Medicare age, which Biden and Trump have long surpassed, should be passing the torch. I've been thinking about politics longer than both Biden and Trump; I've got them beat by one and four years respectively.
Persons: Barbara Fassett, I've, I'm, Biden, you've, Tim Scott's, Organizations: Service, Republican, Trump, Michigan's, Trump . Power, Biden Locations: Michigan
However, not all residents of Forks' roughly 3,400-strong population are happy about the attention their hometown is getting, with some locals hitting out at "vampire tourism," The Times of London reported. "I work at the local school — which the Twilight characters 'went to' — and they'd be out there, crying about how much they loved this vampire guy." At the height of the "Twilight" hysteria, Forks wasted no time in embracing its new fame, with new "Twilight" tours showing off famous locations from the films. AdvertisementMeyer chose to set "Twilight" in Forks after searching Google for the place with the highest rainfall levels in the US. The spot provided the perfect setting for her vampire characters, who mustn't be exposed to sunlight, so they could go about their lives without being detected by humans.
Persons: , Stephanie Meyer's, Forks, Leslie Graham, Dora Maxfield, they'd, Maxfield, Christina Horsten, Robert Pattinson, Kristen Stewart, Lissy Andros, Andros, Meyer Organizations: Service, Business, Information Center, Times, Getty, Publishers, Office Mojo, Google Locations: Washington, Forks, London, Forks , Washington, Oregon, Canada, Texas
However, the average $1,907 Social Security check often isn't enough for many boomers to afford basic necessities. But, according to the Social Security Administration, their benefits will be lower than if they waited until their official retirement age — which varies by birth year. But, while some extra money would help supplement her paycheck, she's confident in her choice to wait for Social Security. "If I can fight it out until full retirement age at 67, I can fight it out until I'm 70. Are you an older adult waiting to collect Social Security?
Persons: , Diane Williams, I'm, Williams, doesn't, She's, I've Organizations: Service, Business, Social Security, Social, Social Security Administration, SNAP Locations: North Babylon, Long
Introduction to Business Credit Cards with No Annual FeeYou don't need to worry about paying a high annual fee to open one of the best small business credit cards. Best Business Credit Cards with No Annual Fees of June 2024The Blue Business® Plus Credit Card from American Express: Best for earning travel pointsThe American Express Blue Business Cash™ Card: Best for earning cash backInk Business Unlimited® Credit Card: Best for maximizing Chase pointsInk Business Cash® Credit Card: Best for business expenses like office supplies and internetU.S. Bank Business Triple Cash Rewards World Elite Mastercard® : Best for generous welcome bonus with 0% intro APR: Best for generous welcome bonus with 0% intro APR U.S. Bank Business Platinum Card: Best ultra-long introductory APR offerBank of America® Business Advantage Customized Cash Rewards Mastercard® credit card : Best for customizing rewards: Best for customizing rewards Bank of America® Business Advantage Travel Rewards World Mastercard® credit card : Best for travel purchases: Best for travel purchases Capital One Spark 1% Classic† : Best for Building CreditNo-Annual-Fee Business Card ReviewsPremium credit cards can offer hundreds of dollars in value, but many business owners balk at the idea of paying an annual fee on a credit card. This list highlights many of the best no-annual-fee business credit cards available in 2024, according to Business Insider's team of credit card experts. No-Annual-Fee Business Card Frequently Asked QuestionsHow do I choose the best no-annual-fee business card for me? Why You Should Trust Us: How We Chose the Best Business Credit Cards with No Annual FeesThere are lots of no-annual-fee business credit cards on the market.
Persons: You've, you'll, APRs, Cash, you've, Hilton, You'll, it's, Chase, Read, Cardholders, cardholders, EIN Organizations: Business Insider, U.S . Bank Business, Cash, Mastercard, Bank of America, Express, American Express, Chase, Ink, FDIC, . Bank Business, Rewards, EV, U.S, Bank, U.S . Bank, of America, Business, Capital, Best, Bank Business, . Bank, American, Air Canada Aeroplan, British Airways Executive Club, Marriott Bonvoy, Global, Amex, Card, Sapphire, Elite Mastercard, Merrill, Travel, Bank of America Travel Center, Credit Locations: U.S, Chevron
Index funds are a type of investment vehicle aiming to match the returns of a specific market index. "Index funds generally benefit an investor by providing diversification and relatively low fees compared to actively managed funds. Decide which index funds to invest inNow it's time to decide which index funds you want to invest in. "In this scenario, the investor would research the universe of index funds available and purchase the funds they'd like to own." Index fund investing FAQsHow do I buy an index fund on my own?
Persons: Warren Buffett, Julian Schubach, Louis, Ameritrade, Charles Schwab, you've, Schwab Organizations: Independence, Nasdaq, Nasdaq Stock Market Dow, NYSE, New York Stock Exchange, U.S, Federal Reserve Bank of St, Market, Fidelity, Vanguard, Chevron Locations: Chevron
On Friday, the cybersecurity firm experienced a major disruption following an issue with a software update. CrowdStrike is a cybersecurity vendor that develops software to help companies detect and block hacks. In the case of Friday's outage, machines running Microsoft's Windows operating system crashed due to a fault in the way a software update issued by CrowdStrike interacted with Windows. We approximate impact started around 19:00 UTC on the 18th of July," Microsoft said in an update at 5:40 a.m. Unless Microsoft and CrowdStrike (if they are involved) pull something miraculous out of the bag, this could be painful to recover from."
Persons: George Kurtz, Patrick T, CrowdStrike, , Kurtz, Andy Grayland, They'd Organizations: CrowdStrike Inc, Montgomery Summit, Fallon, Bloomberg, Getty, TV, CNBC, Fortune, Windows, Machines, Microsoft, CrowdStrike, Linux Locations: Santa Monica , California, Texas, U.S
New York-based Hudson River Trading is best known for its market-making capabilities. Hudson River Trading winning any trade over its competitors, like Citadel Securities, Virtu, and Jane Street, comes down to its pricing engine. To help it get there, Hudson River Trading turned to Google Cloud, where its quants have been conducting their research for several months without the constraints of an on-premise environment. "Google Cloud allows us to do that without limits to computing power." Advertisement"In other words, what I'm saying is that we need to predict the future of the stock market," Dunning said.
Persons: , Jane Street, Iain Dunning, Kevin Lee, Dunning, Ken Griffin's, Italo Brito, Brito Organizations: Service, Hudson, Hudson River Trading, Citadel Securities, Virtu, Business, Trading, Google, Nvidia, HRT, Sigma Locations: New York, Hudson
US President Joe Biden speaks about student loan relief at Madison College in Madison, Wisconsin, on April 8, 2024. The Biden administration announced it will cancel $1.2 billion in student debt for 35,000 workers, as a result of its recent fixes to a popular debt relief program for public service workers. But the program has been plagued by problems, making people who qualified for the relief a rarity in the past. Under the Biden administration, the U.S. Department of Education gave borrowers a second chance to qualify, as long as they'd been making payments on their loans and working for an eligible employer. The Biden administration has so far cleared $69.2 billion in student debt for 946,000 borrowers under PSLF, according to the Education Department.
Persons: Joe Biden, Biden, Harris, Education Miguel Cardona, George W, Bush Organizations: Madison College, Biden, Public, Education, U.S . Department of Education, Education Department Locations: Madison , Wisconsin
I spent up to $2,000 a month to fund a drinking habit that I believed was helping me. I started drinking in college to soothe my anxietyI'll never forget the first time I got drunk. Every extra dime went to funding my drinking habitsRent took up most of my paycheck, but the rest went directly to drinking. Related storiesAfter a year of deeply contemplating sobriety, I took my final sip of alcohol in October 2021. Cutting out alcohol and the sneakily expensive lifestyle that surrounded me saves me $1,000 a month.
Persons: , Katie Butler, It's, I'm, Uber, would've, Tess Martinelli Organizations: Service, Business Locations: Dallas, tmartinelli@businessinsider.com
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