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☆ 10 foods I miss the most after moving from the US to the UK
▼ + stars: | 2024-11-05 | by ( Sophia Mitrokostas | ) www.businessinsider.com time to read: +1 min

I moved from the US to Scotland, and one thing I miss from back home is the food. There aren't as many boxed mac and cheeses or Oreos to choose from in the UK. Go to newsletter preferences Thanks for signing up! download the app Email address Sign up By clicking “Sign Up”, you accept our Terms of Service and Privacy Policy . Here are a few dishes, snacks, and grocery items that I've really missed since moving to Scotland.

Persons: aren't, —, I've Organizations: Service Locations: Scotland, East Coast

☆ Paralyzed by Choice: the Golden Age of Online Shopping Is Over
▼ + stars: | 2024-11-04 | by ( Emilie Friedlander | ) www.businessinsider.com time to read: +13 min

Online shopping, which the US Census Bureau estimates accounts for roughly 16% of all retail sales, theoretically makes it easier to find exactly what we are looking for. AdvertisementThe golden age of comparison shopping isn't so golden after all. Ursu has studied two factors in shopping: search costs and search fatigue. Ursu guessed that the most exhausting stage of shopping is comparison shopping — when people pore over minuscule details between products to find the best one. Related storiesIf people abandon their shopping carts because they get overwhelmed by search fatigue, it can come back to bite retailers.

Persons: We'd, It's, Barry Schwartz, Jason Goldberg, Publicis, they've, Marsh, Samantha Kleinberg, you've, moisturizer, New York University's Leonard N, Ursu, Qianyun Zhang, Elisabeth Honka, lockdowns, Lauren Ralph Lauren, Goldberg, Rufus Organizations: Ikea, Amazon, Accenture, Swarthmore College, Walmart, Shoppers, Lehigh University, Stevens Institute of Technology, Cognitive, New York, Stern School of Business, Google Locations: New, Netherlands, Wayfair

In late-September reports, strategists at J.P. Morgan and Fitch Ratings had predicted two additional interest rate trims by the end of 2024 and expect such reductions to continue into 2025. The CME Group's FedWatch tool puts the probability of a 25-basis-point cut at this week's November meeting at 98%. The current probability of the benchmark rate being taken down by another 25 basis points at the December meeting is 78%. "The end of financial repression, of zero interest rates and zero inflation, that era is over. Interest rates will be higher, will be challenged around the world.

Persons: Brendan McDermid, Saudi Arabia —, aren't, Morgan, CNBC's Sara Eisen —, Goldman Sachs, Carlyle, Morgan Stanley, Jenny Johnson, Franklin Templeton, Larry Fink, " Fink, David Solomon, Ted Pick, Pick, Francis Fukuyama Organizations: New York Stock Exchange, Reuters, Wall, Federal Reserve, Fed, Fitch, Saudi, Future Investment Initiative, Standard Chartered, CNBC, U.S . Bureau of Labor Statistics Locations: Reuters RIYADH, Saudi Arabia, U.S, BlackRock

☆ Netflix gaming exec reveals a new AI role after the shutdown of a buzzy games studio and layoffs
▼ + stars: | 2024-11-04 | by ( Lucia Moses | ) www.businessinsider.com time to read: +3 min

Mike Verdu, Netflix's former games chief, is now leading AI-driven game development. Netflix's games division, launched in 2021, has faced shifts and leadership changes. AdvertisementMike Verdu, Netflix's former games chief, has moved into a new role: he's now leading a generative AI gaming division at the streaming giant. Netflix launched a games division in 2021. He wrote that after Netflix games started to scale up, he recognized his strength was in running smaller teams.

Persons: Mike Verdu, —, he's, Verdu, he'd, Alain Tascan, Greg Peters, Netflix's, there's, We've, Verdu didn't Organizations: Service, LinkedIn, Netflix, Epic Games

☆ Warren Buffett's Berkshire Hathaway hoarded cash, sold stocks, and halted buybacks ahead of the election
▼ + stars: | 2024-11-04 | by ( Theron Mohamed | ) www.businessinsider.com time to read: +4 min

Warren Buffett signaled in Berkshire Hathaway's third-quarter earnings that he was being cautious. The investor built a record cash pile, slashed his two biggest stock bets, and halted buybacks. The legendary investor and his team sold $36 billion of shares and only made purchases worth $1.5 billion, marking their eighth straight quarter as net sellers. Related storiesNotably, Berkshire pared its bets on Apple and Bank of America, its two largest stock positions going into the quarter. Buffett has said that buybacks only make financial sense when a stock is trading at a discount to its intrinsic value.

Persons: Warren Buffett, —, Donald Trump, Kamala Harris, he's, Trump, aren't, Bershire, Buffett, Russ Mould, AJ, Mould Organizations: Berkshire Hathaway's, Service, Treasury, Apple, Bank of America Locations: Berkshire, payables

☆ Arizona businesses worry immigration proposal on ballot would exacerbate worker shortage
▼ + stars: | 2024-11-04 | by ( Emily Wilkins | ) www.cnbc.com time to read: +3 min

About 16.2% of Arizona's workforce is made up of immigrants, according to a 2022 study by the American Immigration Council. Meanwhile, the state is also facing a job shortage, 197,000 as of June, according to the Bureau of Labor Statistics. "We have several members that are in the construction industry that aren't able to find workers to complete projects," she said. Arizona Democratic Senate candidate U.S. Rep. Ruben Gallego speaks during a press conference about the Arizona-Mexico border at the Santa Cruz County Sheriff’s Department in Nogales, Arizona, March 18, 2024. Arizona Attorney General candidate Abe Hamadeh, Arizona Republican Senate candidate Blake Masters, Republican gubernatorial candidate Kari Lake and Secretary of State candidate Mark Finchem hold a press conference as they tour the Arizona-Mexico border area, Nov. 4, 2022.

Persons: Monica Villalobos, Ruben Gallego, Kari Lake, Sen, Kyrsten, Rebecca Noble, Michael Infanzon, Gallego, Abe Hamadeh, Blake Masters, Mark Finchem, Kevin Dietsch Organizations: PHOENIX, Senate, American Immigration, Bureau of Labor Statistics, Arizona Hispanic Chamber of Commerce, Democratic Rep, Arizona, Arizona Democratic, U.S . Rep, Santa Cruz County Sheriff’s Department, Reuters, Congress, Canyon State Business Alliance, CNBC, Patrol, Arizona Republican, Republican, Getty Locations: Arizona, Mexico, Santa Cruz County, Nogales , Arizona, Maryland, Virginia

Benefits of a joint credit cardA joint credit card can offer various benefits, particularly for couples, close friends, or family members. How to apply for a joint credit cardUnderstanding eligibility criteria and the necessary documentation is the first step in your joint credit card journey. Application process and requirementsApplying for a joint credit card is, for the most part, the same as applying for a credit card as an individual. Best practices for resolving disputes over joint credit card expensesOpening a joint credit card can lead to stressful — and expensive — disagreements if you and the co-cardholder aren't on the same page. Frequently asked questions about joint credit cardsCan joint credit cards affect both credit scores?

Persons: —, You'll, cosigning, Eric Rosenberg, Eric, Read, Meghan Hunter Meghan Hunter, Guy, she's, Meghan Organizations: Apple, U.S . Bank, Finance Locations: Chevron, Ventura , California, Portugal

☆ I'm a nutritionist who loves salty snacks. I swear by this air-fryer broccoli that tastes like potato chips.
▼ + stars: | 2024-11-04 | by ( Candace Nelson | ) www.businessinsider.com time to read: +2 min

I'm a nutritionist, and when I crave a crunchy snack, I like to make crispy air-fried vegetables. Here's how I make these crispy vegetables that taste like chips. I find that these vegetables, especially broccoli, are the best for this recipe since they get crispy and retain their flavor. AdvertisementSmaller pieces of broccoli get extra crispy in the air fryer. You can also toss single Brussels sprout leaves in the air fryer for an extra crunchy bite.

Persons: I'm, —, fryer, Candace Nelson Organizations: Service Locations: Brussels

☆ As the election winds down, worries of 'bond vigilantes' and inflation hit markets
▼ + stars: | 2024-11-04 | by ( Jeff Cox | ) www.cnbc.com time to read: +6 min

Specifically, he warned about traders taking the 10-year Treasury yield , a bond market benchmark, above 5% — a level it hasn't seen since mid-2007. To be sure, there are myriad reasons why the bond market has been in a state of tumult since mid-September, political considerations of a second Trump term being just one of them. "The bond market could easily nullify the impacts of another rate cut. That's because the bond market believes the Fed is cutting rates by too much, too soon, and is therefore raising long-term inflation expectations. It could carry "higher tariffs and mass deportations, which triggers stagflation in the US including a second inflation spike," the bank said.

Persons: Donald Trump, Chip Somodevilla, Kamala Harris, Ed Yardeni, Yardeni, Trump, Harris, Kumar, it's, Karen Dynan, Trump's, Peterson, Morgan Stanley Organizations: Fiserv, Republican National Convention, Treasury, Trump, Reserve, Bond, Yardeni Research, Sri, Kumar, Peterson Institute for International Economics, Federal Reserve, JPMorgan, Republicans Locations: Milwaukee , Wisconsin, United States

☆ As a chef, there are 6 things I'll always order at a steak house and 4 dishes I'd skip every time
▼ + stars: | 2024-11-04 | by ( Lizzy Briskin | ) www.businessinsider.com time to read: +1 min

I'm a chef, and there are some things I always get at steak houses and other dishes I skip. Wedge salads aren't good — and you won't ever catch me ordering chicken at a steak house. download the app Email address Sign up By clicking “Sign Up”, you accept our Terms of Service and Privacy Policy . Yes, even vegetarians and pescatarians can find multiple diet-friendly options at a typical steak house. As a trained chef and food writer, here are the six things I would happily get at a steak house and four items I steer clear of.

Persons: I'm, — Organizations: Service

☆ How to talk like a banker
▼ + stars: | 2024-11-03 | by ( Emmalyse Brownstein | ) www.businessinsider.com time to read: +9 min

A manager might leave a comment on a page telling the junior banker to "kill this," which just means delete it. A manager might also instruct the junior banker to "take another stab" at it, which means doing the presentation over again and sending it back by email. In stock market talk, "trading with the Street" usually means someone is trading along the lines of majority opinion. It's so much a part of the culture that the term is also used by higher-ups to describe their junior bankers professionally. Each time a banker makes changes to client materials pre-meeting — like a deck — it's standard practice for every round of edits or changes to be saved as a new file.

Persons: —, That's, Momo Takahashi, Morgan Stanley's Ted Pick, it's, drudge, Jane Organizations: Service

☆ Japanese shoppers are entering their spending era. Not all luxury brands stand to benefit.
▼ + stars: | 2024-11-03 | by ( Maria Noyen | ) www.businessinsider.com time to read: +5 min

Luxury sales in Japan surged due to a weakened yen and increased tourist spending. Brands like Hermès are thriving there by aligning with Japanese values of subtlety and quality. Rasmus Jurkatam/Getty ImagesBut in Q3, both LVMH and Kering reported a slowdown in luxury spending in Japan. Still, while the tourist spending may have faded somewhat, experts say Japanese consumers are emerging from a frugal era and spending on luxury themselves. But the Japanese aren't just splashing their cash anywhere — a bitter pill for some luxury brands to swallow.

Persons: —, Amrita Banta, Kering, Rasmus Jurkatam, Jelena Sokolova, Daniel Langer, Martin Roll, Birkin, Banta, Louis Vuitton, Roll, Langer, " Langer Organizations: Brands, Service, Research, Gucci, Morningstar, Pepperdine University, McKinsey, Prada Locations: Japan, China, India

☆ I'm a Google Cloud director who spent decades in the FBI. If you want a tech job, cybersecurity is the place to be.
▼ + stars: | 2024-11-03 | by ( Ana Altchek | ) www.businessinsider.com time to read: +6 min

He told BI that cybersecurity roles are in high demand and there's a shortage of talent. Cybersecurity roles are needed across all business verticals and they're here to stay, Palmore said. AdvertisementThis as-told-to essay is based on a conversation with MK Palmore, a director in Google Cloud's office of the chief information security officer. I'm a director in Google Cloud's office of the chief information security officer. As industry importance continues to rise, the availability of talent continues to be a bit of a challenge across all industries.

Persons: Palmore, —, I've, isn't, there's Organizations: FBI, CISCO, Service, Google, Palo, United States Marines Locations: Palo Alto, North America

All that aside, let us show you everything you need to know about where to watch a free Brazil F1 live stream wherever you are in the world. Where to watch a free Brazil F1 live streamThis weekend's simplest option for a free Brazil GP live stream is using a VPN to tune into one of the free streams mentioned above. How to watch free Brazil F1 live streams with a VPNSign up for a VPN if you don't have one. How to watch Brazil F1 live stream in the USESPN is covering the remaining Formula 1 races this season, but ESPN+ and ABC also have a few, including this week's Brazil GP. Check price at FuboHow to watch Brazil F1 live stream in the UKWant a free option?

Persons: you'll, ExpressVPN, it's, FuboTV, There's Organizations: Business, New York, ESPN, ABC, ESPN2, AWST, DirecTV, MLB, NHL, NFL, UFC, Hulu, Disney Plus, ESPN Sling, DirecTV Stream, Sky Sports, Sky, Premier League Locations: Brazil, ORF1, Austria, Belgium, TV's

☆ Affirm expands buy now, pay later service to the UK, heating up local competition
▼ + stars: | 2024-11-03 | by ( Ryan Browne | ) www.cnbc.com time to read: +2 min

LONDON — Buy now, pay later firm Affirm launched Monday its installment loans in the U.K., in the company's first expansion overseas. Founded in 2012, Affirm is an American fintech firm that offers flexible pay-over-time payment options. Affirm, which is authorised by the Financial Conduct Authority, said its U.K. offering will include interest-free and interest-bearing monthly payment options. Among the first merchants offering Affirm as a payment method in the U.K. are Alternative Airlines, the flight booking website, and payments processing firm Fexco. Max Levchin, CEO of Affirm, told CNBC that the company had been working on its launch in the U.K. for over a year.

Persons: Max Levchin, Levchin Organizations: PayPal Inc, Enercare Center, LONDON, Financial, Authority, Walmart, Airlines, CNBC, Affirm's Locations: Toronto, Canada, American

☆ The China threat and the EV slowdown— 2 takeaways from a busy few weeks in auto news
▼ + stars: | 2024-11-03 | by ( Nora Naughton | ) www.businessinsider.com time to read: +4 min

A price war in China poses a threat to profitability. Amid the flurry of news, two themes stand out: the China threat and EV slowdown loom large for automakers. AdvertisementAnother EV price war threatens profitabilityIn China, the world's largest auto market, EV leaders BYD and Tesla are engaged in a bitter price war that initially weighed heavily on BYD's bottom line. The Chinese EV market is more competitive than ever, according the GM's Barra, who questioned the sustainability of a broader price war in the region driven by an uptick in Chinese EV startups selling inexpensive vehicles. Inexpensive Chinese EVs have long threatened the US EV market.

Persons: —, It's, Ford, Tesla, China's, Mary Barra, Barra, Mark Ford, he's Organizations: Service, Ford, Volkswagen, VW, EV, Companies, Power, Dealers Locations: China, Germany, Europe, BYD

☆ I'm a seasoned angel investor. Here's what I'm looking for from entrepreneurs — and what makes me turn them down.
▼ + stars: | 2024-11-03 | by ( Charissa Cheong | ) www.businessinsider.com time to read: +7 min

William Reeve is an entrepreneur who's been angel investing for the past 25 years. AdvertisementThis as-told-to essay is based on a transcribed conversation with William Reeve, 52, an angel investor based in North London. I've been a fairly active angel investor for 25 years now. I'd say the sort of people who do angel investing because their accountant suggests doing it for tax breaks aren't going to do very well. AdvertisementDo you want to share your angel investing story?

Persons: William Reeve, who's, —, Reed, I've, Gabrielle Wesley, I'd, It's, Alfred Hitchcock, haven't Organizations: Service, Amazon, Fletcher Research, Mars, McKinsey Locations: North London, Dunelm, Mars Wrigley, America

☆ Rise of Middle-Class Shoplifters: Americans Are Stealing From Stores
▼ + stars: | 2024-11-03 | by ( Emily Stewart | ) www.businessinsider.com time to read: +18 min

And before you ask, no, he doesn't feel bad about it, especially when he pilfers from Whole Foods. AdvertisementBut there's also a lot we don't know about retail theft. "No, I don't feel bad about stealing from Jeff Bezos," one 20-something occasional shoplifter in Washington, DC, told me. "It doesn't feel like a world in which I can really get by and build a life very easily anymore, " he said. Advertisement"If most of this is happening in Walgreens and Walmart and places like that, I don't know, is it a problem?"

Persons: Carson's, he's, Carson, He's, shoplifts, Jeff Bezos, there's, it's, Joshua Jacobson, California who's, —, that's, Ernesto Lopez, they've, Jeff Prusan, Joe Schmoes, they're, Keith, shoplifter, That's, Donovan, Donovan's, snagging, she's, Jacobson, Jeff Bezos isn't, David Johnston, we're, hasn't, Emily Stewart Organizations: Walmart, Foods, Amazon, National Association of, Criminal, Atlantic, Depot, Target, Guardian, National Retail Federation, Business Locations: New York, California, Washington ,, Atlanta, Texas, Illinois, Walgreens

☆ I shop at Costco monthly as an executive member. It saves me a lot of money, but there are 4 things I rarely buy there.
▼ + stars: | 2024-11-03 | by ( Jill Robbins | ) www.businessinsider.com time to read: +1 min

I live with my husband and two teens, and we've had a Costco membership since 2014. Costco has some great deals, but sometimes buying in bulk isn't worth it for our family. I've found many of the premade meals aren't a good value, and buying cold cuts in bulk is wasteful. AdvertisementWhen I moved with my husband and then-4-year-old sons from England to Texas in 2014, one of the first things we did was get a Costco membership. I also try to remember that a Costco membership isn't free.

Persons: we've, I've, —, doesn't Organizations: Costco, Service Locations: England, Texas

☆ Hawaii has the highest cost of living in the U.S.: The state has 'really high home prices' and expensive goods, expert says
▼ + stars: | 2024-11-03 | by ( Celia Fernandez | ) www.cnbc.com time to read: +1 min

The most expensive state in the U.S. isn't New York or California. Realtor.com published its list of the states with the highest cost of living based on data from Stacker and Hawaii took the No. We know that places like California, Washington D.C., and Massachusetts are very expensive because the major expensive cities they all have," Hannah Jones, senior economic research analyst at Realtor.com, tells CNBC Make It. The cost of living was calculated using the average price of goods and services in that state's metro areas and cities. The report found that the most expensive states in America are predominately on the West and Northeast coasts.

Persons: Realtor.com, Hannah Jones Organizations: isn't, Washington D.C, CNBC, Council for Community, Economic Research Locations: U.S, York, California, Stacker, Hawaii, Washington, Massachusetts, state's, America, Northeast

☆ The US is bracing for civil unrest around the election. But just how high is the risk?
▼ + stars: | 2024-11-03 | by ( Katie Balevic | ) www.businessinsider.com time to read: +7 min

The United States is preparing for civil unrest surrounding the election. Election Day itself isn't as high of a risk as the postelection period, analysts say. AdvertisementThe turmoil that took place after the last US presidential election has left its mark. In the final stretch before Election Day, it seems like everyone — from voter advocacy groups and election officials to risk management and security companies — is preparing for civil unrest. The company said the peaceful 2022 midterm elections showed that the threat of civil violence remained comparatively low.

Persons: midterms, —, Kamala Harris, Donald Trump, Glen, Kucera, Rachel Brown, Brown, Jenny Kane, Chris Crawford, Verisk, Maplecroft, Robert Munks, Munks, Trump, Harris Organizations: Service, Allied Universal, National Task Force, Protect Democracy, United Locations: States, Washington and Oregon, Clark County , Washington, Portland , Oregon, Portland, United States, Brazil, Colombia, Chile, South Africa, France, Greece, Spain, Europe, New York, Los Angeles, Chicago, Houston, Americas

☆ 7 major US cities where homes are both affordable and easy to find
▼ + stars: | 2024-11-03 | by ( James Faris | ) www.businessinsider.com time to read: +4 min

Home transaction activity is up since mortgage rates are down from their peak. The US housing market perked up after mortgage rates plunged from their mid-summer peak through mid-September, even though they've experienced a remarkable resurgence since then. Pending home sales rose 7.4% in September, which was the largest leap since the spring, a late-October report from the National Association of Realtors found. "Further gains are expected if the economy continues to add jobs, inventory levels grow, and mortgage rates hold steady." 7 affordable cities with home inventoryEven though homeowners have been reluctant to give buyers a discount, there are still places where aspiring proprietors can find fair deals.

Persons: —, they've, Lawrence Yun, Realtor.com, Ralph McLaughlin Organizations: Service, National Association of Realtors Locations: Realtor.com

☆ How a free meal cost an investor his retirement savings
▼ + stars: | 2024-11-02 | by ( Laila Maidan | ) www.businessinsider.com time to read: +9 min

George Wilson learned the hard way that there's no such thing as a free lunch — or, in his case, a free dinner that cost him a chunk of his retirement savings. He also met David Escarcega, one of the hosts and a broker who would eventually advise him to invest in so-called non-correlated, fixed-income alternative products from the now-bankrupt firm GWG. AdvertisementBut those meals aren't really free, Murray said. They're referred to as "free lunch seminars," said Adam Gana, a securities attorney who worked on Wilson's case. In 2017, he decided to renew his investment, according to documents viewed by Insider.

Persons: George Wilson, Wilson, Chris Steak, David Escarcega, Michael Murray, Murray, Adam Gana, Gana, I've, Jean, Escarcega, we're, Wilson wasn't, FINRA, Craig McCann, McCann, he's, Outsized Organizations: GWG, GWG Holdings, Financial, SEC, ADV, CPA, Treasury Locations: GWG

☆ This tactic to avoid income taxes without moving to Florida could surge thanks to a 'silver tsunami'
▼ + stars: | 2024-11-02 | by ( Hayley Cuccinello | ) www.businessinsider.com time to read: +8 min

Dan Griffith of Huntington Bank expects ING trusts will surge in popularity with dealmaking on the rebound coinciding with a "silver tsunami." However, Wyoming and South Dakota are also options as they do not tax trust income or capital gains and protect trust assets from creditors. "This can apply even if they don't live in a state with a state income tax." Since beneficiaries do have to pay state income taxes — if applicable — when they receive distributions. ING trusts cannot be used to defer income taxes on salaries or income from tangible assets in the state.

Persons: —, Dan Griffith, dealmaking, You've, Griffith, Bank of America's Timothy Herbst, It's, it's, Bob Lord, They're, Steve Oshins, Herbst, Oshins Organizations: Service, Huntington Bank, ING, Bank of America's, Patriotic Millionaires Locations: Florida, Texas, Nevada, York, California, North Carolina, Delaware, , Wyoming, South Dakota, Oregon, Ohio

☆ Worries about the election could be cutting into some workers' productivity
▼ + stars: | 2024-11-02 | by ( Tim Paradis | ) www.businessinsider.com time to read: +7 min

Anxiety over the US election could be hurting some workers' productivity. One boss is considering letting his employees work remotely in the weeks after the election. She said some workers will be busy hitting refresh on news and social sites, looking for insight into how the election might swing. Yet that doesn't mean being overly indulgent or letting workers focus too long on issues that aren't germane to the business. Despite the widespread election worries, not every indicator signals that the vexing political climate is throwing off most workers.

Persons: —, AJ Gareffa, they've, Gareffa, Macey, Felix Kim, he's, Kim, Gabriella Kellerman, Kellerman, Dorie Clark, That's, Clark, Christine Porath, Chapel Hill's, Porath, Discourtesy, it's, Gartner, hadn't, doesn't, It's Organizations: Service, Business, American Psychological Association, APA, Columbia Business School, University of North, Chapel, Flagler Business School, Human Resource Management Locations: Livonia , Michigan, Detroit, ResumeBuilder.com, New York City, University of North Carolina, Michigan

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