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☆ With mortgage rates dropping, should you refinance? 'It could be worth it,' says financial planner
▼ + stars: | 2024-08-07 | by ( Mike Winters | ) www.cnbc.com time to read: +2 min

Mortgage rates have plunged in recent days, leaving many homeowners wondering if they should refinance their mortgages. DON'T MISS: Achieve Financial Wellness: Be Happier, Wealthier & More Financially Secure Another consideration is the loan term, which determines how much total interest you will pay on the loan. You can run the numbers through a mortgage refinancing calculator. Of course, with refinancing you'll want to scrutinize the terms of the new agreement to ensure that there are no surprises. You could wait for mortgage rates to drop further

Persons: Dean Tsantes, Hazel Secco Organizations: Mortgage Locations: Virginia, New Jersey

☆ A boomer who moved from Minnesota to Mexico said his cost of living dropped by 50% — but transplants need to respect the culture
▼ + stars: | 2024-08-06 | by ( Juliana Kaplan | ) www.businessinsider.com time to read: +6 min

Eleven years ago, Mark LeGeros made a big change: The now-65-year-old moved from Minneapolis to Puerto Vallarta, Mexico. There are still adjustments moving abroad, and hopeful movers need to know that. Living abroad brings its own challenges, along with rewards. "But just always have a support group that are dealing with living abroad because you need that adjustment group to help you put things into perspective." "But if you want the adventure of living abroad and learning a new culture, being curious, that kind of thing, that's when you probably should really consider living abroad."

Persons: Mark LeGeros, it's, that's, I'm, LeGeros, He's Organizations: Service Locations: Minneapolis, Puerto Vallarta , Mexico, Mexico, United States

☆ Nancy Pelosi says she hasn't spoken to Joe Biden since he dropped out of the race for president
▼ + stars: | 2024-08-06 | by ( Katherine Tangalakis-Lippert | ) www.businessinsider.com time to read: +1 min

Nancy Pelosi told CNN she hasn't spoken to Joe Biden since he ended his campaign for president. When asked about the health of their relationship, Pelosi said, "You'd have to ask him." Go to newsletter preferences Thanks for signing up! AdvertisementIn her first interview since Joe Biden ended his reelection campaign, Rep. Nancy Pelosi said she hasn't spoken to him since. Speaking to CNN, Pelosi said she hopes to speak with Biden, but "we're all busy."

Persons: Nancy Pelosi, Joe Biden, Pelosi, Biden, — Organizations: CNN, Service, California Democrat, Business Locations: California

Mortgage rates have been trending down in recent days in response to weaker-than-expected labor market data and concerns of a possible economic downturn. See more mortgage rates on Zillow Real Estate on ZillowMortgage CalculatorUse our free mortgage calculator to see how today's mortgage rates would impact your monthly payments. 30-Year Fixed Mortgage RatesThe average 30-year fixed mortgage rate was 6.73% last week, according to Freddie Mac. 15-Year Fixed Mortgage RatesLast week, average 15-year mortgage rates were 5.99%, an eight-basis-point decrease from the previous week, according to Freddie Mac data. Once the Fed cuts rates, mortgage rates should fall even further.

Persons: homebuyers, you'll, Freddie Mac, it's Organizations: Zillow, Federal Reserve Locations: Chevron

Keep reading to learn everything you need to know about how to buy UFC 306 tickets for Riyadh Season Noche at the Las Vegas Sphere. Riyadh Season Noche UFC will bring UFC to the Sphere on September 14. How to buy UFC 306 Riyadh Season Noche ticketsOriginal standard Riyadh Season Noche UFC tickets are sold through Ticketmaster. How much are UFC 306 Riyadh Season Noche tickets? Overall, tickets to Riyadh Season Noche UFC are more expensive than typical UFC tickets, which is often the case with events that take place at the Sphere or have big-ticket names on the fight card.

Persons: you've, Merab Dvalishvili, Sean O'Malley, Alexa Grasso, Valentina Shevchenko, Brian Ortega, Diego Lopes, they've, Noche, Raul Rosas Jr, Irene Aldana, Norma Dumont, Manuel Torres, Ignacio Bahamondes, Edgar Chairez, Kevin Borjas, Ronaldo Rodriguez, Osbourne, Yazmin, Ketlen Souza, women's, Daniel Zellhuber, Esteban Ribovics Organizations: Business, UFC, Noche, Ticketmaster, Riyadh Season Locations: Riyadh

☆ The true value of grandparents: 2 families explain how much you can save with free childcare
▼ + stars: | 2024-08-06 | by ( Jane Ridley | ) www.businessinsider.com time to read: +6 min

Read previewWhen millennial Jessica Papi was trying to get pregnant, she discussed future childcare options with her mom, Carol Mooney. This story is available exclusively to Business Insider subscribers. "These arrangements are incredibly beneficial to parents," employment attorney Daphne Delvaux, who advocates for better childcare provision in the US, told Business Insider. AdvertisementDevika Tandon wishes her son's grandparents lived closer to help ease the financial and emotional burden of childcare. Do you have an interesting story about being a working parent you'd like to share with Business Insider?

Persons: —, Jessica Papi, Carol Mooney, Papi, Mom, Mooney, Daphne Delvaux, Devika Tandon, Tandon, didn't, Delvaux, I'd Organizations: Service, Business, babysitters Locations: New Jersey, New York, California, Angeles, Toronto, Belgium, Europe, France

☆ 37-year-old mom earns $73,000 in one of the most in-demand jobs in the world—and it doesn't require a degree: 'I love what I do'
▼ + stars: | 2024-08-06 | by ( Morgan Smith Mickey Todiwala | Morgan Smith | Mickey Todiwala | ) www.cnbc.com time to read: +6 min

Jackson, 37, is a technician at Vestas, a wind turbine manufacturer, in Bee County, Texas, and earns $73,000 per year. The Labor Department reports that wind turbine service technicians have one of the highest rates of injury and illness of all occupations. Here's how Jackson earns $73,000 a year as a wind turbine service technician in Texas. Mickey Todiwala | CNBC Make ItWhile you don't need a bachelor's degree to become a wind turbine service technician, some jobs might require you to complete a 2-year technical program or apprenticeship. "The wind turbines are smart, they're basically computers and constantly communicating to us what is going on with them."

Persons: Jessica Jackson, —, Jackson, It's, Jackson's, Mickey Todiwala, Vestas, She's Organizations: CNBC, The Labor Department, University of Arizona, Blattner Energy, Blattner Locations: Jackson, Bee County , Texas, U.S, Texas, Vestas

☆ Nancy Pelosi scores yet another win with Harris' VP pick
▼ + stars: | 2024-08-06 | by ( Grace Eliza Goodwin | ) www.businessinsider.com time to read: +3 min

Nancy Pelosi is a master at influencing the Democratic Party, and she scored another win this week with Kamala Harris' VP pick. "Tim Walz is wonderful," Pelosi told MSNBC's Joe Scarborough and Mika Brzezinski, adding, "He has a great vision for our country. When asked about her power within the party, particularly on Biden's decision to drop out, Pelosi told Kelly that she wasn't the one instigating phone calls with other Democrats. Advertisement"I did not call one person," Pelosi told Kelly. Pelosi told Kelly that she has not spoken to Biden since he made his decision to drop out public.

Persons: Nancy Pelosi, Kamala Harris, —, Harris, Tim Walz, Pelosi, Walz, Joe, MSNBC's Joe Scarborough, Mika Brzezinski, — Pelosi, Joe Biden, Biden, MSNBC's, Biden's, NPR's Mary Louise Kelly, Kelly, CNN's Dana Bash Organizations: Democratic Party, Service, Democratic, Minnesota Gov, Business, Veterans Affairs, California Democrat Locations: MSNBC's, America, Minnesota, California, United States

Chase Sapphire Reserve® OverviewThe Chase Sapphire Reserve® is one of the best travel rewards credit cards of all time. Chase Sapphire Lounges will be available to Chase Sapphire Reserve® cardholders and all Priority Pass members. Chase Sapphire Reserve® vs. Chase Sapphire Preferred® CardIf you're trying to decide between the Chase Sapphire Reserve® and Chase Sapphire Preferred® Card, you'll want to decide if each card's annual fee is justified based on your travel and spending habits. Chase Sapphire Reserve® Cardholder InsightsAs part of our analysis of the Chase Sapphire Reserve®, we've considered discussions across various forums, including notable mentions on Reddit and FlyerTalk. Chase Sapphire Reserve® Frequently Asked QuestionsWhat credit score do you need to get the Chase Sapphire Reserve®?

Persons: Chase, Chase Travel ℠, you'll, Sapphire, John F, Chase Sapphire, You'll, Uber Cash, we've, you'd, you've, they'll, David E, David, —, Read, Katherine Fan, Katherine, Guy, Fortune, Katherine moonlights, she's, She's, Angela Fung Organizations: Business, American, Chase, Chase Travel, Sapphire, Chase Sapphire, TSA, FDIC, Chase Dining, American Express, Hong Kong International Airport, New, Kennedy, LaGuardia, Rental Insurance, Avis, Avis , National, Emergency, Transportation, Sapphire Reserve, Reserve, Capital, Venture, Centurion, overpaying, Yorker, Muhlenberg College, University of Edinburgh, Twitter, Finance, Cards, CNN, Forbes, Wall, Dallas Morning News, Newsweek, Nasdaq, MSN, Yahoo, SXSW, Austin American, Statesman, University of Texas, National Taiwan University Locations: DoorDash, airfare, Boston, Austin, Canada, Avis ,, Seattle, Redbird, Los Angeles, Healdsburg , California, New York City, Chicago, Reddit, Dallas , Denver, Dulles, Las Vegas, New York, Hong Kong, Chevron, There's, Slotnick, Scotland, orcas, Antarctica, Japan, New Zealand, South Africa, Taiwan

Two credit unions are offering CDs with at least 9% APY, which is much higher than normal. There are currently not one, but two credit unions offering CDs with at least 9% annual percentage rate, or APY: California Coast Credit Union and Express Credit Union. Since both of these financial institutions are credit unions, you'll need to be eligible for membership to open any accounts with them. You'll also be able to become a member of Express Credit Union if an immediate family member is already a member of that credit union. California Coast Credit Union offers the California Coast Credit Union Celebration Certificate, which lasts for five months and gives 9.50% APY.

Persons: —, you'd, you'll, You'll, isn't, that's, it's, you've, We've Organizations: Service, California Coast Credit Union, Express Credit Union, Express, California Coast Credit, Express Credit, Fed Locations: California, San Diego , Orange, Los Angeles, Ventura, Imperial, San Bernardino, Riverside, Washington

☆ A couple's counselor has been married for 52 years. These are her top relationship secrets.
▼ + stars: | 2024-08-05 | by ( Jane Ridley | ) www.businessinsider.com time to read: +5 min

Now, at 72 and 73, the couple — who work together as relationship counselors — has 52 years of marriage behind them. This story is available exclusively to Business Insider subscribers. "We called it our 'power struggle phase,'" she told Business Insider. She said her bond with her husband strengthened after he told her about his strained relationship with his mother. Do you have an interesting story about your relationship that you'd like to share with Business Insider?

Persons: —, Barbara Grossman, Michael Grossman, Dr, Grossman, Michael, togetherness Grossman Organizations: Service, Business

☆ The S&P 500 is down 7.5%—but if you're worried about it, 'you shouldn't own stocks,' says Warren Buffett
▼ + stars: | 2024-08-05 | by ( Ryan Ermey | ) www.cnbc.com time to read: +1 min

U.S. stocks fell sharply Monday as part of a global selloff fueled by mounting recession fears among investors. Further roiling global markets is unusual currency trading out of Japan. The S&P 500 — a measure of the broad U.S. stock market — was down about 2% in early trading, putting it 7.5% below the index's all-time high close on July 16. In fact, you'd be wise to ignore short-term ups and downs in the stock market altogether — at least according to Buffett. "If you're worried about corrections, you shouldn't own stocks," Buffett said in a 2015 interview with The Street.

Persons: Warren Buffett, Berkshire Hathaway, you'd, Buffett Organizations: Federal Reserve, Berkshire, Apple, Treasury Locations: Japan, Omaha

☆ Here's Jim Cramer's market sell-off playbook
▼ + stars: | 2024-08-05 | by ( Ece Yildirim | In Ecedyildirim | ) www.cnbc.com time to read: +3 min

watch nowCNBC's Jim Cramer shared his playbook for the brutal global market sell-off on Monday. Identify what's actually wrongAlthough the global sell-off hit U.S. markets hard, "the epicenter of the damage" was Japan, Cramer said. The sell-off started when Japan's stock market posted its worst drop since the stock market crash of 1987 known as Black Monday. The sell-off is sparked by money managers who think the Federal Reserve should have cut rates last week. Investors can also take advantage of the decline in interest rates and buy stocks that yield more than 4%, Cramer said.

Persons: Jim Cramer, Cramer, Blackwell, Warren Buffett, Berkshire Hathaway, you'd, Banks, Morgan Stanley, haven't, Harris, Biden Organizations: Dow Jones, Nasdaq, Berkshire, Apple Locations: U.S, Japan

As the Fed lowers rates this year, mortgage rates are expected to go down. See more mortgage rates on Zillow Real Estate on ZillowMortgage CalculatorUse our free mortgage calculator to see how today's mortgage rates will affect your monthly and long-term payments. 15-Year Fixed Mortgage RatesAverage 15-year mortgage rates were 5.99% this week, according to Freddie Mac data, which is an eight-basis-point decrease from the previous week. Now that the Fed has paused hiking rates, mortgage rates have come down a bit. Once the Fed starts cutting rates, which may happen this year, mortgage rates should fall even further.

Persons: —, Freddie Mac Organizations: Federal, of Labor Statistics, Zillow, Federal Reserve, Fed Locations: Chevron

☆ U.S. expat who's lived in Italy, France and more: If you want to move to Europe, here's my best advice
▼ + stars: | 2024-08-04 | by ( Jennifer Liu | ) www.cnbc.com time to read: +3 min

Take it from Alex Ingrim, who's originally from Washington, but left the U.S. to study in France, where he met his now-wife, Louisa. Over the last 17 years, Ingrim, 36, has lived in France, Canada, the UK, Malta and now Italy. That's the minimum amount of time you'll need to start shopping and doing chores like you live there, Ingrim says. "If you go for two weeks, you're not really fully going grocery shopping," he says. "Try to understand the realistic budget for how you live," Ingrim says.

Persons: Alex Ingrim, who's, Louisa, He's, Chase Buchanan, Here's, del, Ingrim, Ingram Organizations: Chase Buchanan USA, CNBC Locations: Washington, U.S, France, Canada, Malta, Italy, Florence, Europe, del Sol, Spain, Cyprus

Last week, 30-year mortgage rates averaged 6.28%, and they're even lower today, according to Zillow data. What does this mean for mortgage rates? See more mortgage rates on Zillow Real Estate on ZillowMortgage Refinance Rates TodayMortgage type Average rate today This information has been provided by Zillow. See more mortgage rates on Zillow Real Estate on ZillowMortgage CalculatorUse our free mortgage calculator to see how today's mortgage rates will affect your monthly and long-term payments. As inflation slows and the Federal Reserve is able to start cutting the federal funds rate, mortgage rates are expected to trend down as well.

Persons: Jerome Powell, Fannie Mae Organizations: Federal, Zillow, Federal Reserve, Mortgage, Association, ARM Locations: Chevron

Mortgage rates are down in response to the labor market slowing. Average 30-year mortgage rates are now hovering in the low 6% range, according to Zillow data, the lowest they've been since January 2024. 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: you'll, Fannie Mae Organizations: of Labor Statistics, Federal Reserve, Zillow, Mortgage, Association, Sky Locations: U.S, Chevron

As the Fed lowers rates, mortgage rates are expected to go down. "Mortgage rates declined to their lowest level since early February," Sam Khater, Freddie Mac's chief economist, said in a press release. See more mortgage rates on Zillow Real Estate on ZillowMortgage CalculatorUse our free mortgage calculator to see how today's mortgage rates would impact your monthly payments. 15-Year Fixed Mortgage Rates Barely Tick Down (-0.05%)The average 15-year mortgage rate is 5.55%, five basis points lower than last week. Mortgage rates also rose dramatically in 2023, though they started trending back down toward the end of the year.

Persons: Freddie Mac, Jerome Powell, Sam Khater, Freddie Mac's, you'll, It's, refinance, they've Organizations: Reserve, Zillow, FHA Locations: Chevron

With the Galaxy Z Flip 6, Samsung has effectively addressed some of these compromises. Samsung Galaxy Z Flip 6 Samsung's iconic flip phone has been upgraded with a new model, the Galaxy Z Flip 6. Unfolded, the Galaxy Z Flip 6 is a two-tone device, no matter what color you pick. The Galaxy Z Flip 6 has wider black borders around the display than the Galaxy S24. The Galaxy Z Flip 6 changed my critical mind of Samsung's flip phones.

Persons: Antonio Villas, It's, it's, There's, —, Samsung's, Samsung, ultrawide, they've, I'd Organizations: Business, Samsung, Amazon, Boas, Galaxy, Qualcomm, Wireless, YouTube

☆ We're buying more of this tech name and eyeing 6 more stocks as the market drops
▼ + stars: | 2024-08-02 | by ( Jeff Marks | ) www.cnbc.com time to read: +5 min

Following the trade, Jim Cramer's Charitable Trust will own 260 shares of PANW, increasing its weighting to 2.46% from 2.18%. One way we like to think about buying into a sea of red is remembering what our approach would be if the market was in rally mode. So with stocks selling off, we're looking to do some light buying of high-quality companies with great long-term prospects that we've been waiting for the stock prices to come down. Outside of these tech names, there are some other stocks we may have our eyes on next week. Jim waits 45 minutes after sending a trade alert before buying or selling a stock in his charitable trust's portfolio.

Persons: Jim Cramer's, we've, Nikesh Arora, — it's, Jim Cramer, Jim Organizations: Palo Alto Networks, PANW, Nvidia, Web Services, DuPont, Federal Reserve, Jim Cramer's Charitable, CNBC Locations: DuPont, Dover, Wells Fargo

Mortgage rates are often indirectly impacted by changes to the federal funds rate, and as the Fed starts lowering its benchmark rate, mortgage rates are expected to go down as well. This means that as long as inflation continues to ease, mortgage rates should drop further this year. See more mortgage rates on Zillow Real Estate on ZillowMortgage CalculatorUse our free mortgage calculator to see how today's interest rates will affect your monthly payments. 15-Year Fixed Mortgage RatesAverage 15-year mortgage rates fell to 6.07% last week, according to Freddie Mac data. Mortgage rates increased dramatically over the last two years, but they're expected to go down at some point this year.

Persons: Jerome Powell, Powell, you'll, Freddie Mac, it's Organizations: Zillow, Federal Reserve Locations: Chevron

☆ The new sports streaming bundle will cost $43 a month — but won't have some of TV's most popular sports
▼ + stars: | 2024-08-01 | by ( Peter Kafka | ) www.businessinsider.com time to read: +4 min

What would you pay for a streaming service that gave you lots — but not all — of the biggest sports programming on TV? Most crucially, it won't include lots of NFL games, since the package doesn't include CBS, which has the national rights to AFC games on Sundays. Take the NFL out of traditional TV and there's almost nothing left at this point. If you wanted a streaming service that had all of the NFL games on traditional TV, you'd need a service like YouTube TV, which currently costs $73 a month. That's partly because the TV companies that are part of the bundle kind of believe that, and partly because they have a delicate relationship with pay TV distributors like Comcast.

Persons: Venu —, It's, Venu, they've, they're Organizations: Service, Disney, Fox, Warner Bros, ESPN, FS1, ABC, TNT, Business, CBS, AFC, NBC, NFL, YouTube, NBA, Comcast, Netflix, Bowl

See more mortgage rates on Zillow Real Estate on ZillowMortgage CalculatorUse our free mortgage calculator to see how today's mortgage rates would impact your monthly payments. 30-Year Fixed Mortgage RatesThe average 30-year fixed mortgage rate was 6.78% last week, according to Freddie Mac. 15-Year Fixed Mortgage RatesLast week, average 15-year mortgage rates were 6.07%, a two-basis-point increase from the previous week, according to Freddie Mac data. Mortgage rates started ticking up from historic lows in the second half of 2021 and increased over three percentage points in 2022. Once the Fed cuts rates, mortgage rates should fall even further.

Persons: they've, you'll, Freddie Mac, it's Organizations: Federal Reserve, National Association of Realtors, Zillow Locations: Chevron

The average FICO credit score is 718, and the average VantageScore credit score is 702. Minnesota has the highest average FICO credit score, with an average FICO score of 742. Understanding credit scoresWhat a credit score meansA credit score is a number that indicates how likely a person is to repay their creditors back on time, based on payment history from their credit report. The 10 states with the lowest average VantageScore credit scores show a similar pattern, predominantly comprised of southern states. Along with exploring credit scores, credit reports, and how to build credit, Jennifer analyzes how current economic trends impact everyday people and offers her expert advice on budgeting, saving, and growing wealth in today’s economy.

Persons: you've, Experian, You'd, aren't, Jennifer, Read Organizations: Minnesota, . Vermont, Wisconsin, ., . New Hampshire, Washington, . South Dakota, . North Dakota, Hawaii, . Massachusetts, . Montana, Oregon, Vermont, . Wisconsin, Colorado, South Carolina, . Arkansas, Oklahoma, Georgia, . Texas, Alabama, Louisiana, US Census, West Virginia, . Kentucky, Business, America, CBS, MSNBC, CNBC, Forbes, Black Enterprise, USA, The Johns Hopkins University Carey School of Business, Business Journalists Locations: Minnesota, . Mississippi, Mississippi, . New, . South, . North, Hawaii, Nevada, New Mexico, South, United States, Chevron, U.S, TheGrio, New York City

☆ A life coach and businessman with 10 kids who 'almost lost it all' shares his top tip for helping clients prioritize a healthy work-life balance
▼ + stars: | 2024-07-31 | by ( Erin Snodgrass | ) www.businessinsider.com time to read: +5 min

He's the president of a Midwest manufacturing company, a life coach, a motivational speaker, and, oh yeah, he has 10 kids. Skoog said he's only able to guide others to a more balanced life because he himself "almost lost it all." He tells them to make a bucket list. "But most of them don't have a bucket list of things they actually want to do." The bucket list technique is one Skoog himself learned during the leadership class he took a decade ago.

Persons: —, Andrew Paul Skoog, Skoog, they're, They've, he's, It's, He's, You'd Organizations: Service, Business Locations: Midwest, Minnesota

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