DIRS.INFO The most relevant business & tech news

Aspiring titans filed more than 5 million business applications in 2021, according to data from the US Census Bureau. Starting a business in a pandemic or in uncertain economic times demands flexibility, agility, and originality. In July 2020, she launched Cafe Cà Phê in Kansas City, Missouri, and made six figures in sales in 2021, Insider verified with documentation. The couple booked nearly $4 million in revenue in 2021, Insider verified with documentation. "Identifying what activities you're doing day to day that raise your energy and recharge you, and what drains you."

☆ California cities dominate the list of those in the US with the lowest gender pay gap. These are the 10 cities where women earn the most in comparison with men.
▼ + stars: | 2022-05-31 | by ( Grace Dean | ) www.businessinsider.com time to read: +4 min

The area around Los Angeles has the smallest gender pay gap, according to a report by GoodHire. Across the US' 100 biggest cities, women earn $44,220 a year, or 19% less than men, per the study. In comparison, women living in Provo-Orem, Utah, earn just under two-thirds of the amount men earn. Here are the 10 areas with the smallest gender pay gap, per GoodHire's study:Los Angeles-Long Beach-Anaheim, California – women earn 9% less than men Durham-Chapel Hill, North Carolina – women earn 10% less than men Fresno, California – women earn 11% less than men Cape Coral-Fort Myers, Florida – women earn 11% less than men Miami-Fort Lauderdale-Pompano Beach, Florida – women earn 12% less than men Las Vegas-Henderson-Paradise, Nevada – women earn 12% less than men Winston-Salem, North Carolina – women earn 14% less than men Springfield, Massachusetts – women earn 14% less than men San Diego-Chula Vista-Carlsbad, California– women earn 14% less than men Albuquerque, New Mexico – women earn 14% less than menGoodHire also ranked the cities with the biggest gender pay gap:Provo-Orem, Utah – women earn 38% less than men Baton Rouge, Louisiana – women earn 32% less than men Ogden-Clearfield, Utah – women earn 31% less than men San Jose-Sunnyvale-Santa Clara, California – women earn 28% less than men Detroit-Warren-Dearborn, Michigan – women earn 25% less than men Augusta-Richmond County, Georgia/South Carolina – women earn 25% less than men Tulsa, Oklahoma – women earn 25% less than men Salt Lake City, Utah – women earn 25% less than men Pittsburgh, Pennsylvania – women earn 25% less than men Oklahoma City, Oklahoma – women earn 25% less than menAcross the US, the gender pay gap shrank slightly in 2020. On average, across the 100 most populous cities, women earn $44,220 a year, which is 19% less than men, per GoodHire's study.

☆ UPS and Fedex are in for reckoning as the e-commerce boom cools and new competitors fight for a shrinking number of packages
▼ + stars: | 2022-05-26 | by ( Emma Cosgrove | ) www.businessinsider.com time to read: +9 min

The pandemic-driven e-commerce boom buoyed results for UPS and FedEx the past two years. E-commerce sales in the first quarter were up nearly 7% from the first quarter of 2021, according to the US Census Bureau. The other is that the slowdown may loosen the two companies' grip on the pricing power they've held for the past two years. On the downward slope of the pandemic e-commerce boom, UPS and FedEx are going to be left with a smaller slice of a smaller pie. So far, both carriers are holding fast to their pricing power in the customary first-quarter contract negotiations, according to Roberson.

☆ Canada's housing bubble is a cautionary tale for the US real-estate market
▼ + stars: | 2022-04-13 | by ( Alcynna Lloyd | ) www.businessinsider.com time to read: +5 min

Canada's housing market is in overdrive as prices soar to record highs. The US housing market is starting to resemble Canada's — that should be a cautionary tale for all. As housing affordability plummets in Canada, it's hard to ignore the similarities to the US real-estate market. As affordability plunges in Canada, it stands as a reminder of how inventory can offset a real-estate market. The solution for both countries, Dietz said, is simple in theory but difficult in practice: "The key to improving housing affordability is increasing inventory."

Citizens Savings Bank and Trust bank accounts Citizens Savings Bank and Trust Company Heritage Savings AccountCitizens Savings Bank and Trust Company Foundation Checking AccountCitizens Savings Bank and Trust Company Certificate of DepositCitizens Savings Bank and Trust Company Personal Premium Money Market Account Chevron icon It indicates an expandable section or menu, or sometimes previous / next navigation options. How Citizens Savings Bank and Trust WorksCitzens Savings Bank and Trust is designated as a minority-led credit union (MDI) by the NCUA. Citizens Savings Bank and Trust vs. Hope Credit UnionHope Credit Union doesn't have any Tennessee branches outside of Memphis, so Citizens Savings Bank and Trust is the clear choice if you live in Nashville. Citizens Savings Bank and Trust vs. Tri-State Bank of MemphisYou'll want to go with Citizens Savings Bank and Trust if you live in Nashville, because the Tri-State Bank of Memphis is only in Memphis. Is Citizens Savings Bank and Trust a good bank?

Compare The Harbor Bank of Maryland accounts The Harbor Bank of Maryland Statement Savings AccountThe Harbor Bank of Maryland No Hassle Checking AccountThe Harbor Bank of Maryland CDThe Harbor Bank of Maryland Money Market Savings Account Chevron icon It indicates an expandable section or menu, or sometimes previous / next navigation options. About The Harbor Bank of MarylandThe Harbor Bank of Maryland is a Black-owned bank with seven branches in Baltimore, Randallstown, and Silver Spring. The Harbor Bank of Maryland FAQSWho owns the Harbor Bank of Maryland? Methodology: How We Reviewed the Harbor Bank of MarylandFor our Harbor Bank of Maryland review, we rated bank products and services using our bank account methodology. The Harbor Bank of Maryland vs. Securityplus Federal Credit UnionPretty much anyone can bank with The Harbor Bank of Maryland.

Here are the recommendations:1 times your income by age 302 times your income by age 353 times your income by age 404 times your income by age 455 times your income by age 506 times your income by age 557 times your income by age 608 times your income by age 659 times your income by age 70To calculate how much you should save for retirement by each age, we've looked at the nationwide median household income of $70,784, according to the US Census Bureau. Fidelity recommends you save the equivalent of two years' salary for retirement by age 35, and three years' salary by age 40. Fidelity recommends you save the equivalent of six years' income for retirement by age 55, and seven years' salary by age 60. Fidelity recommends you save the equivalent of eight years' income for retirement by age 65, and nine years' income by age 60. Some high-yield savings accounts, such as the Ally High Yield Savings Account, let you set up individual savings goals in your account.

The survey found that 49% of millennials have had to delay medical or dental care as a result of their finances. That hasn't kept up with climbing health care costs. National health care costs per person have increased by $9,000 since 1970, according to the SuperMoney report. Being able to afford healthcare is more important than ever for millennials who need to find help for their mental health. Rising healthcare costs could be at play here.

Forty-five percent of millennials think they earn less than their peers, according to a new survey by Insider and Morning Consult. Only 34% of millennials think they earn more, and 21% said they didn't know. The picture is brighter debt-wise — 48% percent of millennials think they have less debt than their peers, while 35% think they have more. Millennials think they have less debt than their peersHowever, millennials are slightly more positive about their debt situation in comparison to their friends — 48% think they have less debt than their peers, while 35% think they have more. But of those who do have a mortgage, half owe more than $100,000, while the other half owe less.

☆ More than half of millennials have credit-card debt, and it reflects a financial reality other generations didn't face
▼ + stars: | 2019-10-16 | by ( Hillary Hoffower | Economics Correspondent | Millennial Wealth | ) www.businessinsider.com time to read: +3 min

More than half (51.5%) of those in a new survey from Insider and Morning Consult said they had credit-card debt. The survey polled 2,096 Americans about their financial health, debt, and earnings for a new series, "The State of Our Money." Of those who were in credit-card debt, slightly more than half (54%) said they owed less than $5,000, and 24% said they owed $5,000 to $10,000. The remaining one-fourth said they owed significantly more — 9% owe $10,000 to $20,000, 4.5% owe $20,000 to $30,000, and 4.5% owe more than $30,000. About 67% of the millennial respondents with credit-card debt said they had a lot or some stress about it — even those with smaller sums of debt.

Some of the most expensive housing markets, including San Jose and San Francisco, experienced slight home-price declines. Homebuyers in the San Francisco metro area must earn just under $200,000 a year to qualify for a mortgage with 20% down. Each quarter, NAR calculates qualifying income requirements for all US metropolitan-statistical areas assuming the buyer puts 25% of gross income toward the mortgage principal and interest. Metro areas are based on the US Census definitions. Below, we've pulled the qualifying annual income amounts for the 25 largest metros by population, ranked from lowest to highest qualifying income with 20% down.

Persons: Lawrence Yun, Yun, we've Organizations: National Association of Realtors, Service, Los Locations: United States, Jose, San Francisco, Wall, Silicon, Los Angeles, Detroit, Pittsburgh

Take New York City, where the median monthly rent is $1,714, and the median income for an individual is $48,066, according to the US Census. As we can see, the 30% rule isn't always helpful for people in high-cost areas. Using the 30% rule to determine your rent payment capacity: A step-by-step guideDetermining affordable rent for your budget requires a bit of math. This is the maximum amount you should spend on rent each month, according to the 30% rule. Rent budgeting tipsIf you're having trouble affording your rent, here are some things that might help:Track your spending habits.

Persons: it's, pare Organizations: Census Bureau, of Housing, Urban Development, Chevron Locations: New York City

☆ 11 states pay more in federal taxes than they get back — here's how every state fares
▼ + stars: | 2019-01-14 | by ( Hillary Hoffower | ) www.businessinsider.com time to read: +2 min

We looked at the monetary difference between how much taxpayers pay to the federal government and what they receive back in federal services. The majority of states receive more in federal services than what they pay in federal taxes, but 11 states, including California and New Jersey, spend more than they receive. AdvertisementYou get what you pay for — but that may not always be the case when it comes to federal taxes. The difference per capita means how much the average state resident received in federal services versus what they paid in federal taxes. The majority of states received more in federal services than what they pay in federal taxes.

Persons: — Organizations: California and, Service, Consulting, New York, IRS, Census Bureau Locations: California, California and New Jersey, Washington, , Iowa, Iowa, In Iowa

Search resuls for: "US Census"

13 mentions found