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That changed Friday, when tens of thousands of DACA recipients became able to sign up for health insurance coverage under the Affordable Care Act for the first time. Bortolleto said she plans to sign up government-funded health insurance as early as Friday. The limited options, she said, mean many DACA recipients can’t get quality health insurance, resulting in high uninsured rates. The lawsuit says that expanding coverage to DACA recipients will create additional “resource burdens” and harm to taxpayers. She and other DACA recipients have asked the court to allow them to join the Kansas case, siding with the defense.

Persons: Camila Bortolleto, Camila, Bortolleto, ” Bortolleto, “, Barack Obama, Drishti Pillai, Pillai, can’t, ” Pillai, Donald Trump, Arthur Caplan, ”, ” Caplan, “ They’re, Kris Kobach, Biden, ” Juliana Macedo, Nascimento, Trump, Macedo, Quezada, ” Quezada, she’ll Organizations: Affordable, Biden, National Immigration Law Center, Children’s Health Insurance, NYU Langone Medical, University of Washington, Republican Locations: Brazil, Connecticut, U.S, Kansas, North Dakota, New York City, Maryland, Mexico

Lebanon's caretaker Prime Minister Najib Mikati attends a press conference in Paris, France, on October 24. “We are doing our best and are optimistic that within the next few hours or days we will have a ceasefire,” Lebanon’s caretaker Prime Minister Najib Mikati said Wednesday in an interview with Lebanese media outlet Al Jadeed. Any progress at lowering temperatures in the region will be considered a win inside the White House. CIA Director Bill Burns was in Cairo on Thursday for discussions on Gaza and Lebanon, including a meeting with Egyptian President Abdel Fattah El-Sisi. Read more about the diplomatic push.

Persons: Najib Mikati, Sarah Meyssonnier, Benjamin Netanyahu, ”, Netanyahu, Biden, –, Bill Burns, Abdel Fattah El, Amos Hochstein, Brett McGurk, Hochstein Organizations: Reuters American, CIA, White Locations: Paris, France, Gaza, Lebanon, Israel, Cairo, Iran

☆ What daylight-saving time does to your body and brain
▼ + stars: | 2024-11-01 | by ( Hilary Brueck | ) www.businessinsider.com time to read: +8 min

AdvertisementSummer is over, and this Sunday it's time to turn back the clocks, ending daylight-saving time for the year. "That's how fragile and susceptible your body is to even just one hour of lost sleep," sleep expert Matthew Walker, author of "How We Sleep," previously told Business Insider. Some lawmakers want permanent DST — others want standard time year-roundThe political debate over DST is fierce, unscientific, and deeply divided. In the 2018 midterms, voters opted to get rid of the annual clock change, to be in permanent daylight-saving time. Switching to permanent DST requires a green light from Congress, but states do not need federal approval to switch to permanent standard time.

Persons: —, it's, Matthew Walker ,, That's, GOP Sen, Marco Rubio, Rubio, Akinbolaji Organizations: Service, American Medical Association, DST, Sleep Research Society, National Conference of State Legislatures, Protection, GOP, Senate, University of Minnesota Medical School Locations: Germany, Europe, Hawaii, Arizona, Indiana, Finland, California

☆ Biden is beating Trump on stocks. History shows markets do better under Democrats
▼ + stars: | 2024-11-01 | by ( Matt Egan | ) edition.cnn.com time to read: +8 min

The S&P 500 enjoyed a compound annual growth rate of 12.1% from Trump’s surprise election in November 2016 through Biden’s 2020 victory, according to CFRA. “The Trump market was so strong because of a combination of very low inflation, very low interest rates and tax cuts,” said Stovall. The S&P 500’s growth rate under Democrats is 10% compared with 6.7% under Republicans, according to CFRA. In those six years since 1945, where such a dynamic has been in place, the S&P 500 has enjoyed a sizzling growth rate of 16.8%. In fact, the market has generally performed better during times of higher, not lower, tax rates across changes in all three categories, BMO found.

Persons: Donald Trump, Joe Biden, ” Trump, Biden, Sam Stovall, Stovall, Bill Clinton, Kamala Harris, “ Biden, ” Stovall, Trump, Clinton, “, ”, Barack Obama, Hillary Clinton, CFRA, ” Brian Belski, Richard M, Nixon, George W, Bush, . Bush, –, Richard Nixon, Bush –, ” Belski, Gridlock, Harris, BMO’s Belski Organizations: New, New York CNN, Biden’s, CFRA Research, Biden, Trump, Wall, “, Democrats, Republicans, Gross, Democratic, BMO Capital Markets, Clinton, Congress, Investors, Republican, White, BMO Locations: New York

☆ How the cost of childcare is expected to change under Trump or Harris
▼ + stars: | 2024-11-01 | by ( Allie Kelly | ) www.businessinsider.com time to read: +6 min

Former President Donald Trump and Vice President Kamala Harris have both talked about the importance of making childcare more affordable. Below are three elements of the childcare equation and what the Harris and the Trump camps have either proposed or already done. Child tax creditsTrump and Harris have both proposed expanding the child tax credit, which currently provides up to $2,000 per child. Harris' child tax credit policy would restore the enhanced pandemic-era credit, giving parents up to $3,600 annually per child, with the amount dependent on a child's age and family income. The US's pandemic-era child tax credit expired at the end of 2021 because Republicans in Congress opposed it.

Persons: Harris, Trump, —, Donald Trump, Kamala Harris, Joe Biden's, Grant —, Anne Hedgepeth, Cindy Lehnhoff, Vance, hasn't Organizations: Service, Business, Child Care, Child Care Association, Budget

☆ I spent nearly $60,000 when 2 of my kids were in full-time childcare. We delayed having a 3rd child because we couldn't afford it.
▼ + stars: | 2024-11-01 | by ( Lauren Crosmedlicott | ) www.businessinsider.com time to read: +7 min

During my pregnancy, I spent so much energy focusing on finding the right day care. AdvertisementEventually, we found ourselves having two kids in the same day care, which cost a fortune. Finally, someone from a big chain day care got back in touch and said there might be a spot. AdvertisementOnce again, my husband and I sat down and had to figure out how we were going to afford to put another child in day care. We ultimately built up a savings account that would take us through six months of their day care tuition.

Persons: Randi Braun, —, hadn't, couldn't, you've Organizations: Service, Universal Locations: Washington , DC

☆ China is sending military gear into orbit at a 'mind-boggling' pace, says US Space Force chief
▼ + stars: | 2024-11-01 | by ( Hannah Abraham | ) www.businessinsider.com time to read: +4 min

AdvertisementChina is developing military space gear at a "mind-boggling" pace, according to the US Space Force chief. "The number of different categories of space weapons that [China has] created and . In an interview with Politico, Saltzman added that China's progress in military space technology posed a bigger challenge than possible Russian nuclear weapons in orbit. "For the first time in decades, US leadership in space and space technology is being challenged," Meink added. As the FT notes, the US space defense capabilities are heavily reliant on private companies, such as SpaceX.

Persons: Chance Saltzman, —, Saltzman, Xi Jinping, Bill Nelson, Troy Meink, Space.com, Meink, Arthur Herman, John F, Kennedy, Ronald Reagan, we've Organizations: SpaceX, Service, US Space Force, Financial Times, Politico, NASA, UN, National Reconnaissance Office, Asia Pacific Foundation of Canada, Hudson Institute Locations: China, Colorado, Russia

☆ What the new 401(k) limits and other changes mean for your retirement
▼ + stars: | 2024-11-01 | by ( Jeanne Sahadi | ) edition.cnn.com time to read: +4 min

The new contribution limit for 401(k)s and other workplace retirement plans in 2025 will be $23,500, up from $23,000 currently, the Internal Revenue Service said Friday. The catch-up contribution limit will remain the same at $7,500. Now for an ounce of reality: Most people do not max out their 401(k) savings, whatever their applicable contribution limit. Higher income thresholds for IRAsThe IRS did not increase the contribution limits for individual retirement accounts, known as IRAs. If you’re married and filing jointly and you personally are covered by a workplace retirement plan, your joint modified AGI must not exceed $146,000, up from $143,000.

Persons: CNN —, —, “, Roth IRAs, Roth, you’re Organizations: CNN, Internal Revenue Service, IRS, Vanguard, America, Social, Fidelity

☆ I'm a private chef who shops at Trader Joe's for my family of 3. Here are some of my favorite things to get for dinner.
▼ + stars: | 2024-11-01 | by ( Jt Newman | ) www.businessinsider.com time to read: +1 min

I'm a private chef who buys easy meals and dinner ingredients for my family at Trader Joe's. Trader Joe's holiday vegetable hash, made with chopped butternut squash, makes a great soup base. I've been buying Trader Joe's cheese-and-green-chile tamales for years. AdvertisementAs a private chef, I love shopping at Trader Joe's for easy, gluten-free items for my family of three. Luckily, Trader Joe's, which announced plans to expand to more locations earlier this year, carries plenty of ingredients that fit the bill.

Persons: I've, —, preteen Organizations: Service

☆ What a potential Harris administration could actually do to protect abortion access
▼ + stars: | 2024-11-01 | by ( Annie Nova | ) www.cnbc.com time to read: +8 min

Democratic presidential nominee Vice President Kamala Harris speaks during a campaign rally at Shell Energy Stadium in Houston, Texas, Oct. 25, 2024. But what could Harris actually do to support abortion access in a post-Roe landscape? Even so, she said, a Harris administration could increase the availability of medication abortions and, crucially, it could fight Republican and activist attempts to further limit reproductive rights. A Harris administration would not enforce the Comstock Act, a controversial federal law passed in 1873 that bans the mailing of obscene matter. "A Harris administration wouldn't be able to change what the Supreme Court is saying, but it could de-prioritize those prosecutions," Ziegler said.

Persons: Kamala Harris, Justin Sullivan, Roe, Wade, Harris, Republican Donald Trump, Alina Salganicoff, Salganicoff, Donald Trump, Olivier Douliery, Mary Ziegler, Ziegler, it's, Jonathan Ernst, Reuters Harris, Kevin Wang, Comstock, wouldn't, Biden, Jeff Kowalsky Organizations: Democratic, Shell Energy, Getty, White, NBC, Republican, Trump, New York Times, Republicans, Washington , D.C, Afp, Wisconsin Public Radio, Supreme, Reuters, Guttmacher Institute, Wisconsin's Madison South Health Center, U.S . Department of Justice, DOJ, Labor, Northwest Activities Center, AFP Locations: Houston , Texas, U.S, Washington, Women's, Washington ,, KFF, Detroit

Ms. Harris starts out with 226 likely electoral votes compared with 219 for Mr. Trump, with 93 votes up for grabs. Scenario 6 Or by winning Pennsylvania, Michigan and either Georgia … Or by winning Pennsylvania, Michigan and either Georgia … Scenario 7 … or North Carolina. Ms. Harris and Mr. Trump have been campaigning hard and often there, and Democrats hope that the favorable governor’s race could help them. Scenario 5 … like Arizona, Michigan and Wisconsin … … like Arizona, Michigan and Wisconsin … Scenario 6 … or Arizona, Nevada and Pennsylvania. The Harris campaign is taking a similar approach, focusing on white college-educated women, who currently favor Ms. Harris by 29 points.

Persons: Brandon Bell, Harris, immovably, Donald Trump, Kamala Harris, Biden, Trump, Trump’s, Harris –, Trump’s resiliency, Harris’s, William Frey, Michael Dukakis, Josh Shapiro, JD Vance, Mr, Bill McInturff, there’s, –, Joe Rogan’s, Doug Sosnik, Bill Clinton Organizations: Trump, Electoral, Democrats, Republicans, Democratic, Mr, Sun, Electoral College, NBC, Black, Brookings Institution, Michigan, …, Republican, Biden Locations: Virginia, Minnesota, Georgia, Arizona , Nevada, North Carolina, Pennsylvania, Michigan, Wisconsin, Arizona , Georgia, Nevada , North Carolina , Pennsylvania, Wis, Mich, Pa, Nev, N.C, Ariz . Ga, Ariz ., Arizona, Nevada, Wisconsin . Pennsylvania, …, … Georgia, Arizona , Michigan, Pennsylvania , Michigan

☆ Speaker Mike Johnson walks back comments that GOP would ‘probably’ try to repeal CHIPS Act
▼ + stars: | 2024-11-01 | by ( Annie Grayer | Gregory Krieg | ) edition.cnn.com time to read: +4 min

The legislation is poised to bring a $100 billion microchip manufacturing center to the area where Johnson was campaigning with GOP Rep. Brandon Williams. “As I have further explained and clarified, I fully support Micron coming to Central NY, and the CHIPS Act is not on the agenda for repeal,” Johnson later said in a statement. The new funding was intended to help companies bring chip manufacturing back to the US and, as a result, help lower costs and prevent supply chain disruptions. Earlier Friday, Johnson was asked by a reporter from Citrus TV News, “The former president has said that he doesn’t support the CHIPS and Sciences Act. “We’re going to support chip manufacturing, we do not support the Green New Deal.

Persons: Mike Johnson, Johnson, “, Donald Trump, Brandon Williams, ” Johnson later, Williams, Sen, John Mannion –, ”, ” Johnson, “ We’ve, “ We’re, Kamala, Mannion, “ Trump, ” “, ” Mannion Organizations: CNN —, GOP Rep, Micron, NY, Green New, Democratic, Citrus TV, Sciences, Republican, Trump, Green New Deal, Central Locations: Syracuse , New York, New York, New, Central New York, Mohawk

☆ In an all-hands, Intel CEO addresses employee concerns about the US election and CHIPS Act funding
▼ + stars: | 2024-11-01 | by ( Helen Li | ) www.businessinsider.com time to read: +4 min

An Intel employee raised concerns about the upcoming US election's impact on CHIPS Act funding. Intel invested billions in US factories but hasn't received CHIPS Act grants yet. AdvertisementIntel CEO Pat Gelsinger addressed an employee-submitted question about whether the upcoming US election would affect Intel's CHIPS and Science Act funding at an all-hands meeting on Friday. He also addressed the delay of CHIPS Act funding distribution. Government leaders are also monitoring the CHIPS Act funding delays.

Persons: hasn't, Dow Jones, —, Pat Gelsinger, Gelsinger, I've, Semafor, Mike DeWine, Stephen Ezell, Kamala Harris, Donald Trump, Dow, maniacally Organizations: Intel, Nvidia, Dow, Service, US Commerce Department, Bank, Bloomberg, Congress, Government, White, Information Technology, Innovation Foundation, Life Sciences, Dow Jones Locations: New Mexico , Arizona , Ohio, Oregon, Washington ,, Ohio, New Albany

☆ What’s at stake on Tuesday? The planet.
▼ + stars: | 2024-11-01 | by ( Bill Weir | ) edition.cnn.com time to read: +8 min

Julian Quinones/CNNFormer Trump administration officials have outlined the speed at which they intend to dismantle the progress the Biden administration made on climate change. Trump has publicly distanced himself from the ideological blueprint, but CNN found at least 140 authors worked in the Trump administration. But given the momentum of the clean energy train, some experts and analysists doubt that Trump would be able to derail it entirely. While the green trend in economics now has Republican states like Texas leading the nation in clean energy installations, Germany, Japan and China got there first. Trump’s plan is to undo that progress, throw billions of dollars of clean energy investment out the window and give other countries the economic opportunity, instead.

Persons: CNN —, ” Mark Twain, Twain, Tom Sawyer ”, Helene, Lincoln, Reagan, it's, Julian Quinones, Kamala Harris, Harris, ”, Donald Trump, Biden, Trump, ” Mandy Gunasekara, CNN’s Ella Nilsen, David Bernhardt, Nilsen, Gunasekara, Bernhardt, Al Gore, Gore, Bill Weir, CNN Bill Gates, ” Gates, Mark Twain, “ Organizations: CNN, CNN Former Trump, Environmental, Agency, Trump, Energy Ventures, Microsoft Locations: Minnesota, American, Paris, Phoenix, CNN's, Greenland, Texas, Germany, Japan, China, America

Former President Donald Trump said Wednesday that he would "protect" women "whether the women like it or not," a comment the Harris campaign immediately pounced on. "I said, 'Well, I’m going to do it, whether the women like it or not,'" Trump said. A Harris campaign spokesperson, Sarafina Chitika, also said on X that Trump "thinks he knows better than the women of America." Reached for comment, Trump campaign spokesperson Karoline Leavitt said: "Harris may be the first woman Vice President but she has implemented dangerously liberal policies that have left women worse off financially and far less safe than we were four years ago under President Trump. Harris has centered much of her campaign on preserving and expanding reproductive rights after the end of Roe v. Wade.

Persons: Donald Trump, Harris, Trump, Kamala Harris, Sarafina Chitika, Karoline Leavitt, Leavitt, Roe, Wade, abortion’s Organizations: Republican, NBC, Trump Locations: Green Bay , Wisconsin, America

☆ At 18, she dreamed about moving to Japan. When she turned 50, she quit her job and bought an abandoned home near Osaka.
▼ + stars: | 2024-10-31 | by ( Amanda Goh | ) www.businessinsider.com time to read: +10 min

Chani Japan. Chani Japan. Chani Japan. Chani Japan. Chani Japan.

Persons: Chani, —, you've, I've, she'd, hadn't, Lawrence Covian, Eric McAskill Organizations: Service, Chani, Japan, YouTube, US Army, BI Locations: Australia, Japan, Brisbane, Chani Japan, Shikoku, Wakayama, Osaka, Europe, I'm, akiya, Iwakuni

☆ What Candidates in Tight House Races Are Saying About Abortion
▼ + stars: | 2024-10-31 | by ( Allison Mccann | Vivian Li | ) www.nytimes.com time to read: +10 min

At least a half-dozen Republican candidates have put out direct-to-camera ads declaring their opposition to a federal abortion ban. Anthony D’Esposito Republican, N.Y. 4 Mike Lawler Republican, N.Y. 17 Marc Molinaro Republican, N.Y. 19 Joe Kent Republican, Wash. 3 Michelle Steel Republican, C.A. What Republican candidates are saying about abortion “ I do not support a federal abortion ban. What Democratic candidates are saying about abortion “ Abortion is health care. position Rep. position Alaska At‑Large Alaska At‑Large Ariz. 1 Ariz. 1 Ariz. 6 Ariz. 6 Calif. 13 Calif. 13 Calif. 22 Calif. 22 Calif. 27 Calif. 27 Calif. 41 Calif. 41 Calif. 45 Calif. 45 Colo. 8 Colo. 8 Iowa 1 Iowa 1 Iowa 3 Iowa 3 Maine 2 Maine 2 Mich. 7 Mich. 7 Mich. 8 Mich. 8 Neb.

Persons: Roe, Wade, it’s, Josh Riley, “, Marc Molinaro, Kamala Harris, Anthony D’Esposito, Mike Lawler, Joe Kent, Michelle Steel, Juan Ciscomani, Court’s Dobbs, ”, Will Reinert, ’, Will Rollins, Lindsey Graham, Jessica Arons, Don Bacon of Nebraska, Dobbs, ” David Valadao, ” Don Bacon, ” Gabe Evans, Donald J, Trump, House Republicans —, Scott Perry, Ken Calvert, David Valadao, California —, Mariannette Miller, Meeks, Rob Bresnahan Jr, ” Gabe Vasquez, ” Rudy Salas, ” Tony Vargas, Susan B, Anthony Pro, —, Jared Golden, Golden Organizations: Republicans, Democratic, Republican, Anthony D’Esposito Republican, Mike Lawler Republican, Marc Molinaro Republican, Joe Kent Republican, Michelle Steel Republican, Juan Ciscomani Republican, Senate, National Republican Congressional, The New York Times, Times, American Civil Liberties Union, ” David Valadao Republican, ” Don Bacon Republican, U.S, Supreme, ” Gabe Evans Republican, Colo, House Republicans, Pennsylvania’s, Iowa Republican, America, District, New York Times, ., Pa Locations: New York’s, Washington, California, New York, Calif, Iowa, Pennsylvania’s 8th, Mexican, N.M, Neb, Maine’s, Maine, Alaska, ‑, Mich, Ohio, Va

☆ 90% of the latest US aid package hasn't reached Ukraine, Zelenskyy says
▼ + stars: | 2024-10-31 | by ( Mikhaila Friel | ) www.businessinsider.com time to read: +3 min

Zelenskyy said most of the aid the US passed for Ukraine in April hasn't got to Ukraine. He said 10% of the $61 billion aid package had made it so far. AdvertisementUkrainian President Volodymyr Zelenskyy questioned why much of the latest US aid package had yet to reach Ukraine, saying it had so far received 10%. The $61 billion package was approved in April after monthslong delays and pushback from House Republicans. Lithuanian Foreign Minister Gabrielius Landsbergis said in August that Ukraine may have to wait until 2027 to receive some Western aid.

Persons: Zelenskyy, hasn't, —, Volodymyr Zelenskyy, Joe Biden, Gabrielius Landsbergis Organizations: Ukraine, GOP, Service, House Republicans, Reuters, NATO, Department of State, Lithuanian, US, US Department of Defense, Ukraine's Ministry of Foreign Affairs Locations: Ukraine, Russia, Russian

☆ What a Trump or Harris presidency would mean for your tax bill
▼ + stars: | 2024-10-31 | by ( Juliana Kaplan | Bryan Metzger | ) www.businessinsider.com time to read: +8 min

Trump's plans could mean tax hikes for lower earners; Harris' proposals would target higher earners. This is the fourth in a five-part series about the impacts either a Trump or a Harris presidency could have on US consumers. Trump has proposed extending his slew of tax cuts from the Tax Cuts and Jobs Act of 2017 — also known as the "Trump tax cut." But another part of Trump's tax policy — his plan to levy universal tariffs on all US imports — could end up undercutting this positive impact. AdvertisementTrump has floated lifting the $10,000 cap on the State and Local Tax deduction, known as SALT, from his 2017 tax bill.

Persons: Trump's, Harris, —, you'll, Trump, He's, Garrett Watson, Harris hasn't, she's, Benjamin Page, Biden, Walz, Ernie Tedeschi, Watson, Tedeschi Organizations: Service, Business, Trump, Social Security, Taxation, Economic, Tax Foundation, State and, Urban, Brookings Tax, Yale Budget Lab, White House Council, Economic Advisers, Finance Locations: California , New Jersey, New York, Congress

☆ A radical idea to solve inflation from a radical former Fed pick
▼ + stars: | 2024-10-31 | by ( Matt Egan | ) edition.cnn.com time to read: +6 min

A zero percent inflation target might be popular, but it would represent a sharp departure – one that mainstream economists warn would backfire. “Stable inflation is an oxymoron because it means it’s not stable,” Shelton told CNN in a recent interview. In fact, one reason the Fed set its inflation target at 2% is because it’s safely away from that deflation-danger zone. A zero inflation target would mean a path right on the edge. But even some of Shelton’s biggest fans are opposed to her embrace of a zero-inflation target.

Persons: Judy Shelton, Donald Trump, It’s, ” Shelton, Shelton, Trump, ”, Mark Zandi, Zandi, Justin Wolfers, Kamala Harris, it’s, Wolfers, Bill English, “, ” Trump, Stephen Moore, Jerome Powell, Moore, Powell, Kevin Hassett, Reagan, Arthur Laffer, ” Moore, CNN’s KFile, CNN he’s, he’d, Elon, ‘, haven’t, James Grant Organizations: New, New York CNN, Federal Reserve, Fed, CNN, Federal Reserve Board, Moody’s, University of Michigan, Yale University, Heritage Foundation, Trump White House, Trump Locations: New York

☆ Big Tech's vanishing perks have left employees to face a stark new reality
▼ + stars: | 2024-10-31 | by ( Dan Defrancesco | ) www.businessinsider.com time to read: +7 min

In today's big story, Big Tech is pulling back on the freebies for its employees . The perks help recruit and retain talent and keep employees working at the office. Some Amazon employees aren't buying it. It's not all bad news for Amazon employees, though. Some Amazon employees support Jeff Bezos' controversial WaPo decision.

Persons: —, David Arky, Tyler Le, Insider's Lara O'Reilly, Rob Price, Hugh Langley, Sydney Bradley, It's, Matt Garman, Frederic J . BROWN, BI's Jyoti Mann, Ashley Stewart, Garman, Stave Huffman, Spencer Platt, Natalie Ammari, Tesla, Meta, Jenny Chang, Rodriguez, Harris, Trump, you'll, Jeff Bezos, Bezos, Dan DeFrancesco, Jordan Parker Erb, Hallam Bullock, Milan Sehmbi Organizations: Business, Service, Microsoft, SEC, Big Tech, Meta, Citibank, Tech, Services, Getty, Amazon Web Services, Amazon, BI, Google, Semiconductor, Intel, Washington Post, Apple Locations: OpenAI, AFP, New York, London

☆ FICO and VantageScore are the 'Coke and Pepsi' of credit scoring, says credit expert—what to know about each
▼ + stars: | 2024-10-31 | by ( Cheyenne Devon | ) www.cnbc.com time to read: +3 min

When you view your credit score, you're likely to see a different three-digit number depending on whether you checked your score online, on your banking app or via another means. Although you have multiple credit scores, they're mainly calculated by two companies: VantageScore and FICO, which are the two main credit scoring systems used by the majority of lenders to evaluate how well you're managing your credit. "Think of those like Coke and Pepsi," John Ulzheimer, a credit expert who formerly worked for FICO and Experian, tells CNBC Make it. And your credit history needs to be at least six months long in order for FICO to generate your score. Although FICO scores are also used by lenders when you apply for credit, a mortgage or an auto loan, FICO weighs the factors it uses to calculate its credit scores differently.

Persons: John Ulzheimer, VantageScore, FICO, Matt Schulz, LendingTree's, Schulz Organizations: Pepsi, FICO, CNBC Locations: U.S

Likely voters in Georgia divide 48% for Trump to 47% for Harris, and in North Carolina, Harris stands at 48% to Trump’s 47%. North Carolina, which narrowly supported Barack Obama in 2008, has voted Republican in the past three presidential elections. While the polls find similar political environments in Georgia and North Carolina overall, there are some significant differences. In both states, Harris leads among Black likely voters (84% to 13% in Georgia, 78% to 19% in North Carolina) and voters with college degrees (55% to 39% in Georgia, 53% to 42% in North Carolina). Interviews were conducted October 23-28, 2024, online and by telephone with registered voters, including 732 voters in Georgia and 750 in North Carolina.

Persons: CNN —, Kamala Harris, Donald Trump, SSRS, Harris, Barack Obama, Joe Biden, Bill Clinton, they’ve, –, Harris ’, White, ”, Josh Stein, Republican Mark Robinson, Robinson, Stein, Biden, Hurricane Helene, Helene, Black, Trump Organizations: CNN, White House, Trump, Republican, Democrat, Wisconsin –, White, North, Trump voters, North Carolina, Voters, – Locations: Georgia, North Carolina, Arizona, Michigan, Nevada , Pennsylvania, Wisconsin, North, In Georgia

☆ The stakes on tax policy are high as the election nears. Here’s how to prepare
▼ + stars: | 2024-10-31 | by ( Darla Mercado | Cfp | ) www.cnbc.com time to read: +5 min

It roughly doubled the standard deduction, adjusted the individual income tax brackets and lowered most of the rates. The legislation also applied a $10,000 cap on the state and local tax deduction, and it roughly doubled the estate tax exemption (it now sits at $13.61 million for an individual). In certain cases, it may also make sense to harvest capital gains, Bigge said. Gain harvesting, just like loss harvesting, is for your taxable account. You get an immediate tax deduction in the year you make your donation, and you can spread out the grants to your favorite charities over time.

Persons: it's, Stephen Bigge, Donald Trump, Kamala Harris, Bigge, We're, we're, Tim Steffen, Steffen Organizations: Keebler, Associates, Baird Locations: Green Bay , Wisconsin, China, Washington, Milwaukee

☆ American Battleground: Cat people are still haunting Trump’s campaign
▼ + stars: | 2024-10-31 | by ( Tom Foreman | ) edition.cnn.com time to read: +21 min

“Kamalaaaaaaaa!”Oprah Winfrey is belting it out in her sweet home of Chicago, welcoming the joyous, raucous, unmerciful dismantling of former President Donald Trump that is defining this Democratic National Convention. A second, very different presidential debateIn Philadelphia, a birthplace of American democracy, Harris is charging Trump before the first question. Trump’s debate prep team predicted and feared this strategy so much they brought in Florida Rep. Matt Gaetz to play tormentor in practice rounds with their candidate. “I’m actually going to do something very unusual,” she says, “and I’m going to invite you to attend one of Donald Trump’s rallies, because it’s really interesting to watch. CNN’s Phil Mattingly, who covered Harris in the Senate, spoke with a senior Trump campaign adviser just ahead of the debate.

Persons: Joe Biden, Donald Trump, Read, “, Oprah Winfrey, Kamala Harris, Joe Biden’s, Harris, Hillary Clinton, ” Biden, Bill Clinton, Barack Obama, Jason Carter, Jimmy Carter, Michelle Obama claps, Biden, Trump, “ They’re, “ Who’s, Tim Walz, Taylor Swift, Rebecca Wright, CNN Harris, ”, Mo Elleithee, pollsters, CNN’s John King, “ Trump, ’, “ Kamala Harris, David Muir, Linsey Davis, ” Harris, Matt Gaetz, Michael Le Brecht, ” CNN’s Kristen Holmes, ‘ Don’t, Harris skewers Trump, Trump gamely, ” Trump, Ashley Etienne, Nancy Pelosi, “ I’m, Donald Trump’s, Hannibal Lecter, don’t, Miss Sassy, Sassy, Mike DeWine, Jeff Winter, Ohio Sen, JD Vance, Dana Bash, Dana, Springfield, Daniel Dale, Dale, Erick Erickson, ‘ Trump, keener, Harris ’, Trump’s, CNN’s Phil Mattingly, you’re, CNN’s Alayna Treene, ” CNN’s Chris Wallace, ” Wallace, he’s, Doug Emhoff, Scott Pelley, Lynne Sladky, Swift, Cat Lady, TAYLOR SWIFT, Harris romps, “ He’d, Jeff Zeleny Organizations: CNN, Democratic, Convention, Trump, Georgetown Institute of Politics, Public Service, Republican, ABC News, Florida Rep, ABC, New York Times, Miss, Republican Gov, Fox News, YouTube, Senate, CBS, Service, Trump International Golf Club, AP Trump Locations: Chicago, United States, City, Big, America, Philadelphia, Florida, Mexico, Springfield, Ohio, Springfield , Ohio, State, Miss, West Palm Beach , Florida

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