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☆ 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

☆ Ryan Reynolds' longtime personal trainer shared 5 simple pieces of advice he gives clients to boost their longevity
▼ + stars: | 2024-07-31 | by ( Rachel Hosie | ) www.businessinsider.com time to read: +7 min

"You're going to move better, you're going to feel better, you're going to build confidence," Saladino said. AdvertisementMuscle loss with age is known as sarcopenia, but strength training and eating a high-protein diet can help prevent this, he said. Prioritize sleepYou often hear people saying getting up early in the morning requires discipline, but Saladino thinks going to bed early requires more. AdvertisementThe three macronutrients that make up all foods are protein, carbs, and fat, but Saladino thinks we should pay as much attention to fiber too. Get your steps inWalking is another underutilized key to health and longevity, Saladino said, and he encourages people to do it as much as possible.

Persons: —, Ryan Reynolds, Don Saladino, Saladino, they've, it's, we're Organizations: Service, Business, American College of Cardiology, Communications Biology

☆ Podcast: Samsung bets on the Galaxy Ring and AI as its next big thing
▼ + stars: | 2024-07-31 | by ( Arjun Kharpal | ) www.cnbc.com time to read: +42 min

Along with its S24 series of smartphones, foldable devices, smartwatches and now the Galaxy Ring, Samsung is hoping to lock users into its world of products held together with its suite of artificial intelligence features, known as Galaxy AI. Arjun KharpalOne of the things Samsung said was look, the ring is one product, but we've got the watch, we've got the smartphone. I think that's the right approach for Samsung, I don't think they have unrealistic expectations for volumes on this. And you'd feel like if there was some sort of Apple ring, it would do pretty good volumes. Do you think Samsung is seriously looking at ways to monetize this via subscriptions or other kinds of service business model?

Persons: aren't, Tom Chitty, Ben Wood, Meta's Ray, Arjun, Tom Chitty I've, I've, we've, Arjun Kharpal, let's, It's, That's, it's, you've, they've, there's, they're, someone's, I'm, that's, you'll, Ben Wood It's, smartwatch, Arjun Kharpal Apple's, Ben Wood They've, Tim Cook, He's, who'd, Tom Chitty Diamond, somebody's, who've, wasn't, Samsung hasn't, we'll, Ben, they'll, Will, wearables, Kharpal, Arjun Kharpal Tom, Tom, Tom Chitty We'll Organizations: Samsung, South, Galaxy, CNBC, CCS Insight, Mobile, Apple, Garmin, Apple Watch, U.S, Vision, Samsung Electronics, Google, MWC Locations: South Korean, Paris, France, beyondthevalley@cnbc.com, There's, Finland, London

☆ I'm a professional declutterer. Cleaning out your garage is a big project — here are 5 tips to finally tackle it for good.
▼ + stars: | 2024-07-30 | by ( Julia Williamson | ) www.businessinsider.com time to read: +4 min

Summer is here, and it's time to take on those big projects you've been avoiding all year. If one of those is cleaning out the garage, here are some tips to keep it from taking all summer and ruining your familial relationships. If most of the things in your garage are being banished from the premises, will you need help hauling them? AdvertisementYou'll likely find things that need repairing, things you want to donate to specific people or organizations, and things that need to be returned to their original owners. Meaning that you get all the big stuff moved out, the majority of the little stuff organized and put away, but then leave the last bit for… never?

Persons: —, you've, revel Organizations: Service

51% of drivers do not trust their car insurance providers and car insurance costs continue to rise, up by 11.2% in 2023-2024. Get Car Insurance Quotes Compare affordable car insurance quotes online in minutes. How to shop for car insuranceIf you're in the market for car insurance, here's a step-by-step guide to finding the best and cheapest car insurance for you. Factors That Affect Car Insurance QuotesPersonal FactorsOne personal factor that affects your car insurance quotes is your age and gender. How to Compare Car Insurance Quotes FAQHow often should I compare car insurance quotes?

Persons: —, You'd, you've, You'll, you'll, Alani Asis Alani Asis, Forbes, She’s, Read Organizations: Get, Insurance Information Institute, Car Insurance, Liberty Mutual, Amica, Farm, Farmers Insurance, Liberty Mutual Teachers, Auto, Business, AARP, CNN, Fortune, U.S . News, Finance, University of Hawaii Locations: U.S, Manoa

Best Banks for Avoiding ATM Fees of 2024Axos Bank: Best online bank for avoiding domestic ATM feesConnexus Credit Union: Best credit union for avoiding domestic ATM feesChase Bank: Best national bank for avoiding domestic ATM feesCharles Schwab: Best institution for avoiding international ATM feesTD Bank: Best regional bank for avoiding domestic ATM feesBetterment: Best online banking platform for avoiding domestic ATM feesCompare the Top Banks for Avoiding ATM FeesThe best banks for avoiding bank ATM fees have free regional or national ATM networks, so you won't be charged for using an ATM. Here are the best banks for avoiding ATM fees as picked by Business Insider editors in 2024. up to $500 Pros Check mark icon A check mark. You could also refer to the schedules of fees document to review ATM fees and ATM withdrawal limits." Methodology: How Did We Choose the Best Banks for Avoiding ATM Fees?

Persons: Banks, Charles Schwab, Cash, you'll, Chase, Chase Sapphire, Schwab, you've, JP Morgan Chase, Jeffrey Epstein's, it's, You'll, Mykail James, Sophia Acevedo, Tania Brown, Roger Ma, James, Sophia, Axel Springer, Education Sophia, Evelyn, Read Organizations: Credit, Chase Bank, Best, Bank, Business, Axos, Axos Bank, Credit Union, Connexus Association, Chase, Start, JPMorgan Chase Bank, Chase Sapphire Banking, Chase Sapphire ℠ Banking, Chase Mobile, Chase Sapphire, Chase Sapphire ℠, Schwab, Charles, Charles Schwab Bank, Bank Best, East Coast, TD Bank, FDIC, NBKC Bank, U.S . Virgin, SEC, Alliant Credit Union, Ally, Bank5, Bethpage Federal Credit Union, CIT Bank, Connexus Credit Union, Discover, NBKC, Salem, Service Credit Union, SoFi, TIAA Bank, MasterCard, Finance, Savings, Education, California State University Fullerton, Angeles, Personal Finance Locations: Connexus, Minnesota , Ohio, Wisconsin, Alaska, Hawaii, Puerto Rico, United States, East, East Coast, Connecticut , Delaware, Florida , Maine , Maryland , Massachusetts, New Hampshire , New Jersey , New York, North Carolina , Pennsylvania, Rhone Island, South Carolina, Vermont, Chevron, Bethpage, NBKC Bank, U.S, California

Mortgage rates are down from where they've been in recent months, with 30-year mortgage rates hovering just below 6.5%, 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 will affect your monthly and long-term payments. 30-Year Fixed Mortgage RatesThe average 30-year fixed mortgage rate was 6.78% this week, according to Freddie Mac. 15-Year Fixed Mortgage RatesAverage 15-year mortgage rates were 6.07% this week, according to Freddie Mac data, which is a two-basis-point increase from the previous week. Now that the Fed has paused hiking rates, mortgage rates have come down a bit.

Persons: they've, Freddie Mac Organizations: Federal Reserve, Mortgage Bankers Association, Zillow, Fed Locations: Chevron

☆ My helicopter parents forged job applications for me as a teen. I almost made the same mistake with my own child.
▼ + stars: | 2024-07-30 | by ( Jane Ridley | ) www.businessinsider.com time to read: +4 min

This story is available exclusively to Business Insider subscribers. A few months later, I secured a part-time job by randomly asking for shifts at a local café. Related storiesI later found part-time work as a dishwasher at a restaurant, a sales assistant in a menswear store, and a bartender. "My daughter's looking for a part-time job in the evening, particularly on weekends." Do you have an interesting story about mistakes and successes in parenting that you'd like to share with Business Insider?

Persons: —, John, Mom, didn't, Jane Ridley You'd, I'd Organizations: Service, Business Locations: England

☆ I'm an American living in Paris, and I'm going to the Olympics. My French husband refused to join me.
▼ + stars: | 2024-07-30 | by ( Dufflyn Lammers | ) www.businessinsider.com time to read: +3 min

Read previewWhen the announcement came that the Summer Olympics would be held in Paris in 2024, I was psyched. I'm an American but live in the Marais district of Paris with my French partner, Benjamin. He was eager to make arrangements to get out of Paris as fast as possible for as long as possible. "Oh non non non non," he shook his head. Related storiesI told Benjamin and asked if he'd want to go.

Persons: —, I'm, Benjamin, Benjamin's, I've, grumbled, you'd, Le Monde, Le, he'd Organizations: Service, Business, Metro, Archery, Athletics Locations: Paris, Marais

This could cause mortgage rates to move up or down slightly. If Fed officials signal that they could start lowering the federal funds rate soon, mortgage rates could ease. This would remove a lot of the upward pressure off of mortgage rates and allow them to trend down. 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.

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

☆ The election doesn't matter for stocks, says chief market strategist who tracked results back to Eisenhower
▼ + stars: | 2024-07-29 | by ( Ryan Ermey | ) www.cnbc.com time to read: 1 min

You'd be wise to factor in where potential lawmakers fall on these issues when considering how you'll vote. But don't worry about how a particular candidate might affect the stock market, says Ryan Detrick, chief market strategist at the Carson Group. "A lot of people didn't like President Obama. A lot of people didn't like President Trump. The stock market did just fine under all three of them."

Persons: You'd, Ryan Detrick, Obama, Trump, Biden Organizations: Social Security, Carson Group, CNBC

Margin trading, aka buying on margin, is the practice of borrowing money from your stock broker to buy stocks, bonds, ETFs, or other market securities. But keep in mind that margin trading amplifies losses just as it does for profits. Advantages of margin tradingWhile it may seem that margin trading means bigger profits, that's not technically true. Dangers of margin tradingUsing leverage to increase investment size, as margin trading does, is a two-edged sword. But provided that you fully understand the risks and costs, margin trading could increase your profits and return on your investments.

Persons: you'd, It's, that's, it's, Clint Proctor Clint Proctor, millennials, Read Organizations: Financial Industry Regulatory Authority, Mutual, Green Bay Packers

☆ We put Elon Musk's dream to colonize Mars up against Jeff Bezos' vision of living in space — and one is more realistic
▼ + stars: | 2024-07-29 | by ( Ellyn Lapointe | ) www.businessinsider.com time to read: +9 min

ConstructionElon Musk's vision of a Martian city (top) and an artist's concept of Bezos' O'Neill space colony (bottom). Bezos' space stations could be built to resemble Earth more easily — no massive terraforming necessary. "If I had to pick a billionaire's vision of the future, I would definitely go with Elon Musk's Martian colony," Gonçalves told BI. That's why Rachael Seidler thinks Musk's Martian cities are a better bet than Bezos' space stations. Joe Raedle/Getty ImagesThe majority of experts BI spoke with agreed that Musk's Martian colony is more feasible than Bezos' enormous space stations.

Persons: Elon Musk, Jeff Bezos, Musk, Bezos, he's, O'Neill, Anthony Longman, Longman, I'm, Rebeca Gonçalves, Gonçalves, Elon, Rachael Seidler, SEBASTIAN KAULITZKI, roaches, we've, Adam Watkins, It's, Watkins, it's, Joe Raedle Organizations: SpaceX, Origin, Business, Elon, YouTube, Space Station, NASA, Wikimedia, University of Florida, University of Nottingham, Elon Musk

☆ Ex-Spotify HR pro’s No. 1 job interview tip: Ask ‘humblebrag questions’
▼ + stars: | 2024-07-29 | by ( Gili Malinsky | ) www.cnbc.com time to read: +1 min

When you're going in for a job interview, remember, you're interviewing your prospective employer, too. Consider the questions you'd like to ask and sprinkle them in throughout the interview or ask them at the end when they open it up. It's what Dan Space, who's worked in HR at companies like Electronic Arts and Spotify, calls "humblebrag questions." They show you off and get your questions answeredA humblebrag question both shows you off and addresses something that you're genuinely curious about. You can also reference a specific success you had in a similar job and ask if this company is doing something similar.

Persons: it's, Dan, who's Organizations: Electronic Arts, Spotify

☆ I quit my $240,000 job at Meta. Here's how I got hired and grew my salary — and why I left.
▼ + stars: | 2024-07-29 | by ( Ellen Nguyen | ) www.businessinsider.com time to read: +7 min

download the appSign up to get the inside scoop on today’s biggest stories in markets, tech, and business — delivered daily. I started in engineering roles but soon realized my passion for technology and storytelling, which drove me toward marketing communications. AdvertisementTo get promoted at Meta, you need to perform and collaborate effectivelyThe promotion process at Meta involved a twice-a-year performance review cycle. The size of Meta was a new experience for meThe company's size was unlike any I had worked at before. I decided to leave Meta for personal reasonsAfter the demanding pandemic years, I wanted to spend more time with my family.

Persons: —, Alexandru Voica, I've, wasn't, I'm, Lauryn Haas Organizations: Service, ARM, Business, Ocado Group, Meta, Big Tech Locations: London, Romania, Cambridge, Abu Dhabi, Meta, Big, lhaas@businessinsider.com

☆ A pool director at a country club hires teens as lifeguards. She sees parents applying for their kids to make life easier, but it has the opposite effect.
▼ + stars: | 2024-07-29 | by ( Jane Ridley | ) www.businessinsider.com time to read: +5 min

Read previewWhen Susie Johnson took her current job as the pool director of a country club, she was responsible for hiring a new team of summer lifeguards. The 54-year-old — who worked in the field in her 20s before taking a career break to raise her kids — told Business Insider she was "pretty fortunate" to hand-pick staff from scratch. This story is available exclusively to Business Insider subscribers. "They wrote things like, 'My daughter just got her lifeguard certification and is looking for a job,'" Johnson said. AdvertisementDo you have an interesting story about working with different generations that you'd like to share with Business Insider?

Persons: —, Susie Johnson, Johnson, she'd, Sue Johnson, I'd, they're, I'm Organizations: Service, Business

For Love & Money is a weekly Business Insider column answering relationship and money questions. Write to For Love & Money using this Google form. AdvertisementDear For Love & Money,My mother-in-law has been living with us for the last year. Remember, even if your mother-in-law leaves your house, she will still be in your lives, hip-checking you out of every photo opportunity. Write to For Love & Money using this Google form .

Persons: it's, —, She's, I've, there's, she'll, doesn't Organizations: Service, futon, Social Security, Medicare Locations: I've

Mortgage rates have been prohibitively high this year for many would-be homebuyers. But as mortgage affordability improves throughout the next few months, more buyers should be able to find a home and mortgage payment that fits their budget. 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: Zillow, Mortgage, Association, Sky Locations: Chevron

☆ The big question everyone seems to have about 3D printed homes
▼ + stars: | 2024-07-28 | by ( Jaures Yip | ) www.businessinsider.com time to read: +4 min

Read previewWhen Daniella Glaeze showed off her newly bought 3D printed home on TikTok, the biggest question commenters posted had less to do with printing and more with cleaning. In the case of 3D printed homes, the "ridges" refer to the horizontal layers of material that are left behind after the massive printing machine finishes. Daniella Glaeze, who currently lives in one of Icon's 3D printed homes, previously told Insider that she hasn't had any trouble with grime collecting in her home. Mighty Buildings, a 3D printing company based in Oakland, California, 3D prints its panels in factories rather than on-site, a spokesperson told BI. So if you're thinking about moving into a 3D printed home, you can brush away any worries of dusty walls and complicated cleaning processes.

Persons: —, Daniella Glaeze, hasn't, Mikkel Brick, Brick Organizations: Service, Business, Citizen Robotics, Robotics, 3DCP Locations: TikTok, Detroit, Oakland , California

☆ It's time to fix your calendar so you can get more done and be happier
▼ + stars: | 2024-07-28 | by ( Tim Paradis | ) www.businessinsider.com time to read: +6 min

There's a good chance the calendar you might have scrubbed clean months ago is again overgrown with meetings. Data from the calendar management company Clockwise shows that time in meetings tends to go up as the year rolls on. Tidying up your calendar can boost your productivity and overall well-being — plus, it can save your employer a boatload of money. Inside many organizations, workers' time has become compromised, Martin said. Advertisement"There's always something on there — like the meeting that's been rescheduled four times.

Persons: —, Matt Martin, Martin, It's, Nir Eyal, Eyal, Jeff Bezos, Jensen Huang, Laura Vanderkam, that's, Vanderkam, Ron Hetrick, Jensen Huang — Organizations: Service, Business, Nvidia, Netflix, Uber Locations: Asana

It's also looking increasingly likely that mortgage rates will drop even further in the coming months. As inflation continues to slow and the Fed is able to start lowering the federal funds rate, mortgage rates should trend down. This will remove some of the upward pressure off of mortgage rates and allow them to fall a bit. 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. Mortgage Rates for Buying a Home30-Year Fixed Mortgage Rates Inch Up (+0.08%)The current average 30-year fixed mortgage rate is 6.38%, up eight basis points from where it was this time last week, according to Zillow data.

Persons: It's, you'll, refinance, they've Organizations: Commerce Department, Federal, Zillow, FHA Locations: Chevron

☆ Here's how options traders are bullishly betting on a small-cap index as it overtakes mega-cap tech
▼ + stars: | 2024-07-26 | by ( Laila Maidan | ) www.businessinsider.com time to read: +5 min

The put is OTM because the strike price is below the spot price. Related storiesIf you have a bullish outlook on the IWM, you expect the share price to continue rising or at least not drop below the strike price. Picking the appropriate strike price is subjective and based on a trader's risk tolerance and the premium they're looking for. Tastylive, options chainSince options contracts are purchased in lots of 100, it could seem nerve-racking to think you may need to accept delivery of those shares. Worst-case scenario, you end up owning IWM shares at a cost below what you would have bought them for on the spot market, Dierking said.

Persons: Russell, Liz Dierking, Dierking, IWM, That's Organizations: Service, Nasdaq Locations: IWM

☆ My boyfriend and I met while standing in line for 8 hours. We've been going strong for over 2 years.
▼ + stars: | 2024-07-26 | by ( Jane Ridley | ) www.businessinsider.com time to read: +5 min

download the appSign up to get the inside scoop on today’s biggest stories in markets, tech, and business — delivered daily. We were saddened by the news on September 8, 2022, that Queen Elizabeth II had died at 96. My mom and Aunt Louise decided to go and pay their respects, along with tens of thousands of others who adored the queen. You had to stand in line in one queue to get a wristband to join another one. Aiden wrote to King Charles III to tell him how we metI got home a few hours later, slept two hours, and went to work.

Persons: —, Jessica Stevens, Queen Elizabeth II, Aunt Louise, queued, Aiden, Aiden O'Neill, Harry Swain, wasn't, we'd, Stevens, O'Neill, King Charles III, Louise, texted, Harry, Aiden's, we've Organizations: Service, Westminster Hall, Business, Facebook Locations: Westminster, London, Ohio, Niagara Falls

☆ Divers found cases of 150-year-old sparkling wine in a shipwreck off the coast of Sweden — and it might still be drinkable
▼ + stars: | 2024-07-26 | by ( Mia Jankowicz | ) www.businessinsider.com time to read: +4 min

Read previewDivers in the Baltic Sea came across an unusual find this month as they explored a shipwreck just off the coast of Sweden. "We encountered a 19th-century sailing ship in very good condition, loaded to the sides with champagne, wine, mineral water, and porcelain," the Polish diving team Baltictech said. The sparkling wine bottles numbered more than 100, they added. This story is available exclusively to Business Insider subscribers. A spokesperson told Business Insider they are "almost sure" the wine is Louis Roederer Champagne, and said they have contacted the company to try to confirm.

Persons: —, Baltictech, Tomasz Stachura, Marek Cacaj, Louis Roederer Champagne, they've, Mark Robertson, Robertson, Stachura, that's Organizations: Service, Business, New York Times, Times, Buyers Locations: Baltic, Sweden, Russian, Champagne

☆ Don't make this mistake when reaching out to someone on LinkedIn: It's 'terrifying,' says career coach
▼ + stars: | 2024-07-26 | by ( Gili Malinsky | ) www.cnbc.com time to read: +2 min

They can help you learn more about a role in your industry or about another industry altogether. And they can potentially help you to land a job offer down the line. But you can still cold message someone via LinkedIn or email and ask for one even when you don't know them. If you do, when you're reaching out, "I really recommend against immediately asking them for time," says career coach Phoebe Gavin. That way you're opening up the idea of giving you some time but not asking for it directly.

Persons: Phoebe Gavin, Here's, Gavin, you've, you'd, I'd

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