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Mortgage rates dropped a lot over the last few months in response to what appeared to be cooling in the labor market. 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. You can calculate this by dividing your closing costs by the amount you're saving on your monthly mortgage payment. 5-Year Mortgage Rate TrendsHere's how 30-year and 15-year mortgage rates have trended over the last five years, according to Freddie Mac data. Mortgage rates are determined by a variety of different factors, including larger economic trends, Federal Reserve policy, your state's current mortgage rates, the type of loan you're getting, and your personal financial profile.
Persons: they've, Freddie Mac Organizations: Zillow, ARM, Federal Housing Administration, Department of Veterans Affairs, Fed Locations: U.S, Chevron
For Love & Money is a column from Business Insider answering your relationship and money questions. Write to For Love & Money using this Google form. Dear For Love & Money,I am wealthy, and my friends always hint about their money problems. I don't know what to do. Write to For Love & Money using this Google form .
Persons: , I've, you've, it's, doesn't Organizations: Business, Service Locations: Maui, tiptoe
Nicola Prentis sees a green flag when a guy's online dating profile lists him as non-monogamous. Prentis has found that dating non-monogamous men raises the bar for what good relationships should be like. That lasted a year and a half until I met someone else and transitioned into a more traditional, monogamous relationship that lasted five years. It's not just about sexI've found that non-monogamous men have an abundance mindset when it comes to sex, not a scarcity mindset. So far, I've never actually been in an open relationship, I've only dated men who were non-monogamous while I've been single.
Persons: Nicola Prentis, Prentis, , it's, I've, I'm, who'd, I'd, They're, They've, they've Organizations: Service
Donald Trump was asked Tuesday about Google's antitrust challenges. Trump said Google "has a lot of power" but didn't say he favored a breakup. When asked, "Should Google be broken up," Trump said that Google has "a lot of power" and that he would "do something" about it. "I give them a lot of credit, they've become such a power," Trump said of Google. "At the same time, it's a very dangerous thing because want to have great companies — we don't want China to have these companies.
Persons: Donald Trump, Trump, , they've, Kamala Harris, Mark Zuckerberg Organizations: Google, Service, US Department of Justice, Bloomberg, TikTok, Business, Big Tech, DOJ Locations: China, crosshairs
Olivia Gaudree started working at Fuel Venture Capital as an intern in her early 20s. She worked her way up the ranks and became a partner in under seven years at 28. AdvertisementThis as-told-to essay is based on a transcribed conversation with Olivia Gaudree, a 28-year-old partner and VP of Operations at Fuel Venture Capital. Networking helped me land my job in venture capitalAt my high school hedge fund internship, I met Maggie Vo, now the managing general partner at Fuel Venture Capital, and got to know her well. Some firms offer entry-level positions within the investment team, but they aren't common.
Persons: Olivia Gaudree, Gaudree, , Maggie Vo, Maggie, Jeff Randsell, he'd, Merrill Lynch, I'm, I've, it's, It's Organizations: Fuel Venture, Service, Fuel Venture Capital, Business, Florida State University, Thomson Reuters, Networking, Fuel Locations: New York
A new Pew study says nearly 70% of adults agree that schools should ban phones during class. But the broader topic of social media and its effects on teen mental health is still being debated. The US Surgeon General recently suggested social media should come with a warning label for teens. AdvertisementResearch on social media and teen mental health isn't always clearOn the other hand, the argument that social media and phone use are causing a mental health crisis for teens is not as clearly a slam-dunk case. Consider a very recent kerfuffle: A researcher published a meta-analysis of studies on what happens when teens quit social media and suggested that Haidt's research was flawed.
Persons: , shouldn't, they've, there's, Jonathan Haidt's, Banning, Haidt, Mark Zuckerberg, they're Organizations: Service, Pew Research Center, National Education Association, Meta, US, Big Tech Locations: Oxford
See more mortgage rates on Zillow Real Estate on ZillowWhat Are Today's Mortgage Refinance Rates? 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. Current 30-Year Mortgage RatesAverage 30-year mortgage rates are hovering around 6.30%, according to Zillow data. Current 15-Year Mortgage RatesAverage 15-year mortgage rates are in the mid 5% range, according to Zillow data. But now that inflation has decelerated and the Fed has started cutting rates, mortgage rates have trended down.
Persons: Freddie Mac, it's, Fannie Mae Organizations: of Labor Statistics, Federal Reserve, Zillow, Fed, Mortgage, Association, ARM, . Government Locations: U.S, Chevron, Government
The tool was built using OpenAI's GPT-4o and data input from years of Taboola ad campaigns. They've maxed out Google and Facebook, not because their threshold for margin is tapped, but the way most spend on Google and Facebook, they will spend, and spend, and spend, and they stop because it gets expensive," Singolda said in an interview. Singolda said Abby was designed to help Taboola bring on more advertisers and tackle the onboarding process. And Taboola itself already offers an AI tool called Maximize Conversions that automates its clients' ad bidding strategies. Advertisement"I don't see generative AI tools as likely to drive near-term adoption of new ad platforms among SMBs," Lipsman said.
Persons: Abby, Taboola, , Adam Singolda, Singolda, Publicis, Andrew Lipsman, Lipsman Organizations: Service, BBC, CBS, Yahoo, Apple News, Business, Google, Facebook, Big Tech, Omnicom, WPP
With the U.S. presidential election fast approaching, U.S. intelligence officials have issued a stark warning: China's latest efforts to influence the outcome is shifting away from the presidential race and toward state and local candidates. This new focus is part of a broader strategy by Beijing to build relationships with officials who could eventually advance China's interests. Local and state elections have become prime targets for Chinese interference because they receive far less scrutiny than national races, making it easier for China's influence campaigns to fly under the radar. One example of China's influence operations is its use of disinformation campaigns designed to exploit divisive issues such as immigration, racial justice, and economic inequality. Despite these efforts, controlling the full scope of foreign influence operations remains a daunting challenge.
Persons: they've, Brandon Wales, they're, cyberthreats, Javad Abed, Abed, George Floyd, Kent Walker, Mark Warner, John Cohen, Cohen Organizations: U.S, Infrastructure Security Agency, Johns Hopkins Carey Business School, Microsoft, Intelligence, Senate Intelligence, Center for Internet Security Locations: Beijing, Washington, Russia, China, Iran, U.S, Wales
Nan Ray moved from India to live with her son and his wife in America when her granddaughter was 2. It was a sacrifice, but it helped her son and daughter-in-law achieve career success. My granddaughter was a toddler when my husband and I moved permanently from India to the US. In India, it's relatively common for generations to live together, and everybody does their bit to help out. It never occurred to us or my son and daughter-in-law to pay us even the smallest amount for childcare.
Persons: Nan Ray, , They'd, hadn't, he's, we'd, I've Organizations: Service, India, Business Locations: India, America, Minnesota, I'm, Delhi
Victoria's Secret seemingly has a plan to attract Gen Z shoppers and revive its relevance. AdvertisementDuring a recent visit to Victoria's Secret, Julia Quang bought three things: Bombshell perfume, flavored lip gloss, and whale-tail thongs. Piper Sandler even named Victoria's Secret as the third most popular fragrance brand with young people in its 2024 Gen Z survey. The Victoria's Secret comeback isn't official — yetRewind a few years and Victoria's Secret seemed to be on uneven footing. AdvertisementA Victoria's Secret representative says the brand — which boasts a board of directors of 89% women — is working on that.
Persons: Sabrina Carpenter, , Julia Quang, Ed Razek, Z, Fitch they've, Piper Sandler, lacy, Elizabeth Lyons, Kimmay Caldwell, It's, Tyra Banks, Adriana Lima, Behati Prinsloo, Candice Swanepoel, Jasmine Tookes, They'll, Paloma Elsesser, Devyn Garcia, Ashley Graham, Caldwell, Christopher Polk, Rolling, Suni Lee, influencer Alix Earle, Victoria's, They're, who's, Savage X, Hillary Super, J . Lee, FilmMagic Lauren Sherman, Chantal Fernandez, Fernandez, she's, Sherman, Joseph Altuzarra, they're, they've Organizations: Service, Abercrombie, Angels Locations: Quang, New York City
"The Black Swan" author Nassim Taleb says he's focused on hedging against a market collapse. He said the market is flashing parallels to prior crashes, noting that it is the most fragile in 20 years. He pointed to risks like high debt levels and "crazy" stock prices in an interview with Bloomberg. Nassim Taleb, author of "The Black Swan," the famed treatise on the risks related to improbable events, aired concerns over the state of the market in a recent interview with Bloomberg. Universa Investments is technically "market blind," Taleb said, as the firm employs an investment strategy that disregards short-term market forecasts.
Persons: Swan, Nassim Taleb, he's, , Taleb, Mark Spitznagel Organizations: Bloomberg, Service, Universa
"The people who want us, find us and sleep at night," said Peris, who manages the Strategic Value Dividend Fund and the U.S. Strategic Dividend exchange-traded fund . What to look for in dividend stocks Peris leans more "old economy" when looking for stocks, focusing on names that are everyday brands that people know. The U.S. Strategic Dividend ETF has an adjusted expense ratio of 0.5% and 3.19% 30-day SEC yield. A-shares of the Strategic Value Dividend Fund (SVAAX), which have an adjusted expense ratio of 1.06%, have a 30-day SEC yield of 3.27%, as of Sept 30. "The dividend investor's focus has to be, by definition, on — does this income stream add up?
Persons: Hermes, Daniel Peris, Peris, they've, they're, Buybacks Organizations: Federal Reserve, U.S, Strategic, CNBC, SEC, Holdings Locations: U.S, SVAAX, Silicon Valley
Zack and Annie moved from California to Scotland with their three young kids earlier this year. Now, they have a better work-life balance and spend more time outdoors with their kids. After a decade of living in California, Zach and Annie decided to move to Scotland with their three kids. Zach and Annie/Simple Scottish LivingLife in Scotland is slower compared to California, in part due to a better work-life balance. "Until maybe when the winter comes, we're trying to keep them away from that as much as possible and make the most of what's around us outdoors," Annie said.
Persons: Zack, Annie, , Zach, they've, We're, there's, It's, we're Organizations: Service, Monmouth University, Gallup, Patrol, Johns Hopkins Center for Gun Violence Solutions Locations: California, Scotland
Barry Diller called out ultrarich Americans who support Trump for economic reasons. The IAC chairman said those people were ignoring Trump's character flaws in pursuit of financial gain. Both Trump and Harris have pitched tax breaks ahead of this year's presidential election. AdvertisementBarry Diller criticized other ultrawealthy Americans for backing former president Donald Trump for economic reasons when they don't need any more money. The CRFB study found that Harris' policy proposals would add $3.5 trillion to the deficit.
Persons: Barry Diller, Harris, , Donald Trump, Diller, who's, He's, Kamala Harris, Michael Wolff, Andrew Ross Sorkin, Trump, John Paulson, Paulson, didn't, Trump's Organizations: Trump, IAC, Service, Paramount Pictures, Century Fox, USA Networks, Democratic, Business, Social Security, Budget Locations: New York City
It exposed me to the amount of tech talent in the region. I felt guilty about leaving my team behind, but I'm determined to keep platforming tech talent in Lebanon and support the people who want to keep working. Many people don't know Lebanon has a vibrant tech sceneIn recent years, the tech sector in Lebanon has been booming. On multiple occasions, I'd leave Beirut to stay with friends in the mountains during the night. AdvertisementI didn't want to leave Lebanon and my team, but the UK government were urging British nationals to leave.
Persons: Laura Jardine Paterson, , I'd, I've, we've, there'd, there's, Paterson, I'm, They've Organizations: Service, Tech, Business Locations: Lebanon, London, Palestinian, Syrian, Europe, Syria, Egypt, Jordan, UAE, Beirut, Israel, Southern Lebanon
Job seekers sometimes use AI to cheat in interviews, which highlights flaws in the hiring process. It can feel like there are endless ways to dupe a hiring manager in a job interview — especially one that doesn't involve meeting IRL. It all points to a hiring process that can be terrible for job seekers — and for employers. Is using AI during a job interview cheating? Kanny uses reviews from a job candidate's colleagues — past and present — to rate the person's integrity, accountability, respect, humility, confidence, and grit.
Persons: , Lindsey Zuloaga, Greg Yang, he'd, claude, Yang, HireVue's, Zuloaga, Kirthiga Reddy, Reddy, Sean Vassilaros, It's, Octavius A, Newman, didn't, Jennifer Schielke, Schielke, Ravin, Mercer, I'm Organizations: Service, Executives, xAI, Employers, Facebook, BI, Group Solutions Locations: India, South Asia
But strategy advisors say it'll need to get more serious about defining its public benefit. Unlike traditional for-profit businesses, which are primarily focused on maximizing shareholder value, public benefit corporations must balance stakeholder interests with those of their employees and customers. Investors can also question why a company isn't progressing on its stated public benefit. It will also need to define its "public benefit" as part of its new corporate charter, he added. So as OpenAI restructures, the pressure is now on the company to clearly articulate its public mission and show that it's serious about it.
Persons: , OpenAI, Axios, Travis Borden, Keene, OpenAI's, Borden, Altman, Ilya Sutskever, Jan Leike, Mira Murati, restructures, Jens Dammann Organizations: Service, Legal, Institute, Cornell Law School, Keene Advisors, University of Texas School of Law, Business Locations: Silicon, Delaware,
Both sisters are retired and single and have collectively spent 1,500 days at sea so far. Each already booked their spots on 2025 Holland America Line cruises that are over 100 days long. "I kept taking cruises of longer lengths — 30 days, then 45, then 80, and learned I liked long stretches at sea," Johnston told Business Insider. Although the sisters don't always travel together, they've collectively spent over 1,500 days at sea — many of them on Holland America Line ships. Without all of that, I have a lot more money to spend on travel," Johnston told BI.
Persons: Jo Johnston, Elaine Durham, , Johnston, they've, They've, — Johnston, wouldn't, Durham, would've, she's, — they've, I've Organizations: America Line, Service, Business, Holland America, Holland America Line's, BI Locations: America, Holland, Durham, Barcelona, Europe, Canada, New England
Two years ago, Kari Lake appeared to be on an unstoppable path to becoming the governor of Arizona. Now she's a heavy underdog to Rep. Ruben Gallego in a state where Trump and Harris are tied. download the app Email address Sign up By clicking “Sign Up”, you accept our Terms of Service and Privacy Policy . Combative yet charismatic, Lake was quickly recognized as the most skilled purveyor of Trumpism aside from the former president himself. She wasn't simply imitating Donald Trump but refashioning his political style to fit her own profile as a well-known local TV anchor.
Persons: Kari Lake, Ruben Gallego, Harris, , Rep, Ruben Gallego's, Patty Contreras, Contreras, Lake, Donald Trump, Katie Hobbs, " Contreras, Hobbs, she's, MAGA, David Schweikert, Sen, Kyrsten, flailing, Gallego, Kamala Harris, Cheryl Evans, Lake's denigration, John McCain, That's, Julie Spilsbury, he's, Spilsbury, Kari Lake it's, sVJPKcFWp4, Kirk Adams, Doug Ducey's, Adams, rankles, Maryjane Carsten, Carsten, JD Vance's, She's, Chuck Coughlin, Rebecca Noble, Trump, that's, Donald Trump playbook, that's Donald Trump, Barrett Marson, Mike Noble, Noble, Lake's, Mitch McConnell, hasn't Organizations: Rep, Trump, Service, Phoenix, Democratic, Arizona Democrats, Republicans, Republican, Arizona Republic, AP, Mesa who's, Lake, UVF, Oracle, Senate, Sen, GOP, Fund Locations: Arizona, Scottsdale, Mesa, Lake that's, Tucson, Prescott Valley , Arizona, Gallego
For God, for country, for rain
  + stars: | 2024-10-14 | by ( Jessica Lucas | ) www.businessinsider.com   time to read: +24 min
It's 9:30 a.m., and Augustus Doricko, the mulleted 24-year-old founder of the cloud-seeding company Rainmaker, is clutching a coffee. There's a long way to go before cloud seeding becomes a viable option for solving one of humanity's many self-made crises. El Segundo, population 17,272, has long been a bastion of American engineering, home to aerospace and defense giants like Boeing and Raytheon. Jett Lara for BIThe burning happens every Friday around 8 p.m. at a bonfire on El Segundo Beach. One of Doricko's goals is to build a church in El Segundo to "share the grace of God with other people."
Persons: Augustus Doricko, Bruno Mars, Doricko, Jessica, I'd, Jesus, He'd, that's, Rainmaker, Lauren Sánchez, Jett Lara, Billy Ray Cyrus, God, Augustus Doricko Doricko's, Cameron Schiller, Augustus, Schiller, El, That's, it's, El Segundo, Elon Musk, Isaiah Taylor, Doricko's, Taylor, Rob Coutts, , Jesus of Nazareth, Zer, he'd, Jason Flynt, Flynt, Terra, Michael Gibson, Sarah Tessendorf's, messaged Gibson, Michael, Gibson, Thiel, Peter Thiel, I'm, Katja Friedrich, Friedrich, Friedrich isn't, Jonathan Jennings, Kaitlyn Suski, dumbbells, Jackson Schultz, Elijah, birdsong, Schultz, We're, coffees, Mankind Organizations: MGM, Association, Aspen Ideas, Global Initiative, BI, El, Boeing, Raytheon, Space Industries, Chevrolet, Stamford Yacht Club, New Zealand, University of California, BI Doricko, drillers, Terra Seco, Thiel Foundation, Terra, tech's, Weather Locations: Vegas, Tennessee, El Segundo, Los Angeles, America, Silicon, Santa Clarita, Rainmaker, Beijing, Colorado, California, Smoky, El Segundo Beach, North Carolina, Texas, Stamford , Connecticut, New, Costa, Berkeley, Christianity, Fort Worth , Texas, Terra Seco, drawdowns, Lake Mead, Las Vegas, Phoenix, Juul, Fresno, San Jose, Dubai, UAE, Midwest, West Texas, New Mexico , Arizona , Nevada, Amsterdam, Milan
But mortgage rates are expected to go down next year, so it could be worth waiting if you aren't in a rush. 5-Year Mortgage Rate TrendsHere's how 30-year and 15-year mortgage rates have trended over the last five years, according to Freddie Mac data. Mortgage rates are determined by a variety of different factors, including larger economic trends, Federal Reserve policy, your state's current mortgage rates, the type of loan you're getting, and your personal financial profile. But now that inflation has decelerated and the Fed is expected to cut rates soon, mortgage rates have trended down. This means your entire monthly mortgage payment, including taxes and insurance, shouldn't exceed 28% of your pre-tax monthly income.
Persons: they're, you'll, they've, Freddie Mac, it's, Fannie Mae Organizations: Zillow, ARM, Federal Housing Administration, Department of Veterans Affairs, Fed, Mortgage, Association Locations: Chevron
Contradictory messages about inflation and the labor market have investors on guard. Price growth is slowly falling from its peak, but it exceeded expectations in September after a hot reading in August. AdvertisementInflation is a threat that won't sink the economyWhile there's plenty of economic data to get excited about, persistent price growth is a problem. "If we're going to be data dependent, we have to at least look at the data," Sosnick said. Higher-than-hoped inflation is rarely compatible with an economic downturn, so if price growth does persist, it likely won't be in an earnings-crushing contraction.
Persons: , Steve Sosnick, they've, John Kerschner, Janus Henderson, Sosnick, Preston Caldwell, Morningstar's, Jim Baird, Plante, Baird, Joe Quinlan —, Skyler Weinand, Regan, Weinand, We've Organizations: Service, US, of Labor Statistics, Federal Reserve Bank of Atlanta, Interactive Brokers, Business, Manufacturing, Index, Janus, Janus Henderson Investors, Equity, Financial, Merrill, Private Bank, Bank of America, Regan Capital, Fed Locations: China
Mortgage rates for October 13, 2024, are flat around 6.20%, according to Zillow data. 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 Mortgage Rates TodayAverage 30-year mortgage rates are hovering near 6.20% today, according to Zillow data. 15-Year Mortgage Rates TodayAverage 15-year mortgage rates remain in the mid 5% range, according to Zillow data. 5-Year Mortgage Rate TrendsHere's how 30-year and 15-year mortgage rates have trended over the last five years, according to Freddie Mac data.
Persons: they've, you'll, Freddie Mac, it's, They'll Organizations: Zillow, Fed Locations: Chevron
Buck and Gracie Close are funding a basic income program for victims of unjust policing. They view the program as a form of reparations for their family's history as slave owners. Small-scale guaranteed basic income programs have sprouted around the country in recent years, inspired in part by the success of pandemic-era cash handouts. These basic income programs offer unrestricted cash payments to specific groups of vulnerable low-income residents for a limited time period. The programs differ from a universal basic income, which would offer regular cash payments to all residents regardless of their financial status.
Persons: Buck, Gracie, , Buck Close, they've, Maggy Baccinelli, Baccinelli, enslavers Organizations: ACLU, Service, American Civil Liberties Union of Louisiana, Confederate, Herald Locations: Louisiana, North Carolina, Washington, Fort Mills, Rock, South Carolina
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