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☆ I've been to 25 countries. Here are 10 mistakes I wish I'd avoided when I first started traveling.
▼ + stars: | 2024-07-22 | by ( Dominique Mills | ) www.businessinsider.com time to read: +5 min

Here are 10 mistakes I wish I'd known to avoid when I first started traveling and tips for a smoother journey. AdvertisementSince then, I've learned that packing light with versatile clothing makes for a more enjoyable trip. Now, I only book essentials and leave room in my itinerary to explore and make last-minute decisions and changes. Now, I always inform my bank of my travel plans to ensure seamless access to my funds while abroad. Walking shoes need to be comfortable, not cuteFashion over function is a mistake I've made many times.

Persons: —, Overpacking, Dominique Mills, I've, it's, I'm, Don't, Dominique Mills Taxis Organizations: Service, American Express, Business

☆ I burned out trying to be an overachieving parent. I learned it's OK to ask for help.
▼ + stars: | 2024-07-22 | by ( Amanda Miller Littlejohn | ) www.businessinsider.com time to read: +9 min

Then, I'd put them down for their afternoon nap, during which I'd work on projects for my consulting clients. I saw my overachieving as a way to set them up for future success in a hyper-competitive world. I learned it's OK to ask other parents for helpMy girl-mom network has shared hand-me-down winter coats, barely-worn Easter dresses, and pediatric specialist recommendations. But I've learned relying on my network to hook me up doesn't make me lazy, unserious, or checked out as a parent. AdvertisementThe author learned it's OK to ask for recommendations from friends and other parents while parenting her daughter.

Persons: Fela Kuti, John Coltrane, Jacob Lawrence, Romare Bearden, Jean, Michel Basquiat, We'd, I'd, Amanda Miller Littlejohn, —, hadn't, They've, I've, I'm, — I'm, they'll, It's Organizations: Service Locations: Tennessee

Determining your budgetYou can figure out how much house you can afford to buy using our free mortgage calculator. While you may already have an idea of what you think you can afford, you'll need to find out how the bank sees you. It will include a list of all of your finalized closing costs and how much cash you'll need to close. The final walkthroughBefore closing, you'll also get a chance to view the home one more time. How to buy a house FAQsHow much down payment do I need to buy a house?

Persons: You'll, George Chedid, Dana Bull, They're, Bull, you've, Don't, it's, They'll, you'll, they've, Chedid Organizations: Compass, Federal Housing Administration, US Department of Veterans Affairs, US Department of Agriculture, you'll, Homeowners Insurance Allstate, Insurance Locations: Kendall Park , New Jersey, Chevron, Boston

☆ I'm a millennial who still depends on my parents to pay for my cellphone and streaming services. I don't feel guilty about it.
▼ + stars: | 2024-07-22 | by ( Jennifer Pellerito | ) www.businessinsider.com time to read: +5 min

My parents still pay for my cellphone bill and a monthly music streaming subscription. AdvertisementExcept for one or two things, like my cellphone bill. AdvertisementMaybe it'll change once I get marriedI'm not married yet, which somehow has a lot to do with my current status on my parents' cellphone plan. Admittedly, it's a huge relief, even if it's just a monthly cellphone bill and a streaming service here and there. But don't ask me how that works or how to get a better deal on your cellphone plan.

Persons: stepmom, they'd, They've, I've, —, I'm, we'd, Will I, that's, he'd Organizations: Service, Apple Music, Spotify, Business, Apple Locations: Los Angeles

When the Federal Reserve raises rates, the interest rate on your savings account tends to go up, too. See the best savings account rates right now »If you bank with an online institution, you may have received an email or message from your bank that the interest rate on your high-yield savings account is going up. The interest rate on a high-yield savings account fluctuates and isn't fixed. This means if you open an high-yield savings account, its normal to see the interest rate go up or down over time. If the Federal Reserve lowers interest rates, savings interest rates will usually drop.

Persons: Marguerita Cheng, Cheng, they've, you've Organizations: Federal, Federal Reserve, CFP, RICP, Blue, Global Wealth, FDIC

☆ The Secret Service is being held to an impossible standard, says a former royal bodyguard
▼ + stars: | 2024-07-22 | by ( Mikhaila Friel | ) www.businessinsider.com time to read: +4 min

The former president praised the Secret Service agents who piled in when a gunman opened fire at an election rally in Butler, Pennsylvania. Simon Morgan, a security expert and former bodyguard to the British royal family, said the criticism of the Secret Service hasn't been entirely fair. Secret Service agents were unfairly judged, Morgan saidMorgan cautioned members of the public with "limited knowledge" to think twice before commenting. "The only people who can comment on what happened are those Secret Service agents," Morgan said. But according to a local law enforcement officer and the Butler County sheriff, law enforcement weren't aware that he also had a gun.

Persons: —, Donald Trump, Simon Morgan, hasn't, Morgan, Trump, Anna Moneymaker, you've, I've Organizations: Service, Business, Trojan, Secret Service, Secret, New York, FBI, CBS News, Pennsylvania State Police, Trump Locations: Butler , Pennsylvania, It's, Buckingham, Butler County

☆ My partner grew up rich, and I didn't. We almost broke up over my insecurities, but compassion and honesty have gotten us through.
▼ + stars: | 2024-07-21 | by ( Tess Martinelli | ) 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. Read previewThis as-told-to essay is based on a conversation with Geneviève Laforce, a 24-year-old content creator from Montreal, whose partner grew up wealthy. We've learned that managing a relationship with someone who grew up so differently requires constant compassion and open communication. I've been able to broaden her worldview and provoke a deeper sense of compassion for those who are struggling. If money complicates your relationship and you want to tell your story, please email Tess Martinelli at tmartinelli@businessinsider.com.

Persons: —, Geneviève Laforce, It's, We've, isn't, I've, she's, They've, Tess Martinelli Organizations: Service, Business Locations: Montreal, tmartinelli@businessinsider.com

As long as inflation continues to slow, mortgage rates should tick down further throughout the remainder of 2024. 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 Up (+0.02%)The average 15-year mortgage rate is 5.68%, just two basis points higher than last week. Mortgage Refinance Rates30-Year Fixed Refinance Rates Fall (-0.37%)The average 30-year refinance rate is 7.08%, 37 basis points down from last week. Mortgage rates also rose dramatically in 2023, though they started trending back down toward the end of the year.

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

☆ I'm a luxury wedding caterer in the Hamptons. Here's the biggest difference between Gen Z and millennial weddings.
▼ + stars: | 2024-07-21 | by ( Erin Mcdowell | ) www.businessinsider.com time to read: +4 min

She told Business Insider the biggest difference she's witnessed between Gen Z and millennial weddings comes down to life experience. Courtesy of Hamptons Aristocrat"I would say most of my wedding couples are slightly older, and it might be a Hamptons thing," she said. AdvertisementAnd unlike some Gen Z couples, they might be able to afford exactly what they want. Gen Z couples opt for 'safer' options like plated chicken and fishA plated piece of salmon on a white plate. "They really, really know what they want," she said.

Persons: —, Lexi Ritsch, Gen Z, Ritsch, James Beard Organizations: Service, Hamptons, Business, Pew Research Center, Data USA, Michelin Locations: New York, Palm Beach , Florida, East Hampton

☆ Trump has preached 'unity' since his assassination attempt, but he could become even more radical in the aftermath
▼ + stars: | 2024-07-21 | by ( Katherine Tangalakis-Lippert | ) www.businessinsider.com time to read: +7 min

But while some pundits have argued his speech showed he is more subdued and humble in the wake of last week's failed assassination attempt against him, others aren't so sure he's changed at all. And some political scientists and experts on authoritarianism warn Trump could become even more radical after his near-death experience. We are one nation under God, indivisible, with liberty and justice for all," Trump told the RNC crowd as he briefly read messages promoting unity from a teleprompter. Not everyone is certain Trump will change much in the wake of his assassination attempt — for better or for worse. If the assassination attempt does change Trump, the effects may not be immediately apparent — though they are worth being on the lookout for.

Persons: Donald Trump, week's, Trump, Joe Biden, Elizabeth Bennion, Hulk Hogan, Eric Trump's, haven't, Bennion, Timothy Snyder, Snyder, Ruth Ben, Ghiat, Ben, Recep Tayyip Erdogan, Benito Mussolini's, —, Michael Green, didn't, Green, they've, it's Organizations: Service, Republican National Convention, Business, RNC, Indiana University, GOP, Trump, Yale University, New York University, of Democracy and, Defense, University of Nevada Locations: Indiana University South Bend, Turkey

☆ 'Ludicrous': Donors leave call with Kamala Harris frustrated and annoyed
▼ + stars: | 2024-07-21 | by ( ) www.cnbc.com time to read: +5 min

U.S. Vice President Kamala Harris departs Air Force Two as she arrives at Pope Army Airfield to campaign in Fayetteville, North Carolina, U.S., July 18, 2024. Kevin Mohatt | ReutersA call Friday featuring Vice President Kamala Harris and about 300 major Democratic donors left many who dialed in frustrated, with one donor declaring it "ludicrous" shortly before it ended, according to two sources familiar with the call. During the call, Harris, who was asked to join the call by Biden's senior advisors, praised Biden, according to campaign officials. NBC News reached out to the Biden campaign for comment. But what angered many donors, this source said, was that during the wait — which was about 20 minutes — donors were "admonished."

Persons: Kamala Harris, Kevin Mohatt, Joe Biden's, Jen O'Malley Dillon, Biden, Joe Biden, Tom Brenner, Harris, Biden's, Donald Trump, Melissa Morales, Somos Votantes, Kamala, Trump Organizations: Air Force, Pope Army, Reuters, U.S, Market, Office, NBC, Biden, Democratic, NBC News Locations: Fayetteville , North Carolina, U.S, Las Vegas , Nevada, Provincetown, Mass

☆ Death of Hedge Fund Stars: Wall Street, Stock Market Titans Are Gone
▼ + stars: | 2024-07-21 | by ( Linette Lopez | ) www.businessinsider.com time to read: +15 min

Take activist hedge funds, which buy up a percentage of a company's stock (or an asset) and then use their weight to push for operational changes. Or there would be a fun, splashy war between the hedge fund and the C-suite. Hedge funds rely on outperforming the market when times are hard and it's easier to find pockets of outperformance and exploit them. Of course, hedge funds are having a hard time coming up with a crew because the clients have changed too. Advertisement"At the end of the 1960s, the bubble burst, and everyone thought, 'That's the end of hedge funds,'" Mallaby said.

Persons: David Tepper, Anthony Scaramucci, Lenny Kravitz, lanyards, Bobby Jain, Goldman Sachs, Denise Shull, Charles Lemonides, ValueWorks, Saba Capital's Boaz Weinstein, BlackRock, Nelson Peltz, Bob Iger, Paul Singer's Elliott, —, Elliott, Meir Statman, Statman, I'm, That's, Paris, Marc Jacobs, they've, they're, Sebastian Mallaby, Julian Robertson, Julian, Mallaby, Lemonides, wonky quants, Keith Gill, David Einhorn, Andrew Left, bro Organizations: Appaloosa Management, Carolina Panthers, Bellagio, Millennium Management, Credit Suisse, Jain, Disney, Paul Singer's Elliott Management, Santa Clara University, Behavioral Finance, New, Tiger Management, Met, rockstar, Ferrari, Greenlight, Harvard, Princeton grad, Research Locations: Vegas , New York City, Singapore, Argentine

☆ Psychedelic therapy with ketamine aims to ease PTSD for Ukrainian soldiers coming back scarred from front-line fighting
▼ + stars: | 2024-07-21 | by ( Ella Sherman | ) www.businessinsider.com time to read: +6 min

Read previewAdministered ketamine is being used in concert with therapy to treat Ukrainian veterans who experience post-traumatic stress disorder from fighting on the battlefield. AdvertisementA study published earlier this year focused on the treatment of depression among veterans using ketamine taken through an IV. The doses provided at least partial relief to many of the test subjects and after six weeks of ketamine infusions, depression scores dropped significantly. "Soldiers, for them, it's natural to consider themselves like a strong man," Matrenitsky said, explaining that the effects of the ketamine therapy allow individuals to overcome defensive barriers over their emotions. In partnership with Heal Ukraine Trauma, Matrenitsky along with other healthcare professionals have teamed up to form the Ketamine-Assisted Psychotherapy initiative in hopes of educating Ukrainian therapists on Ketamine-Assisted Therapy.

Persons: —, Elaine Klein, Julia Rendleman, Dr, Vladislav Matrenitsky, Yulia Brockdorf, Wolfgang Schwan, Matrenitsky, Bandura, Paula Reynal, Klein Organizations: Service, Business, Heal, Washington, Center, Psychotherapy, 24th Brigade, Getty, Strategic, International Studies Locations: American, Ukraine, US, Kyiv, Anadolu, That's, Washington

☆ Camp counselors, golf caddies and 10 other people to consider tipping this summer, according to etiquette pros
▼ + stars: | 2024-07-21 | by ( Ryan Ermey | ) www.cnbc.com time to read: +3 min

Roughly 2 in 3 adults have a negative view of the practice, according to a recent survey from Bankrate, and 30% say tipping culture has gotten out of control. Etiquette pros say tipping guidelines are just that — guidelines. "Good tipping feels good for everyone involved," Daniel Post Senning, co-author of "Emily Post's Etiquette, The Centennial Edition," previously told Make It. Here are some people etiquette experts say are worth considering tipping. But many camps forbid counselors from taking tips, says Diane Gottsman, a national etiquette expert and founder of the Protocol School of Texas.

Persons: —, Daniel Post Senning, Emily Post's, they've, Diane Gottsman, Gottsman, You've, Elaine Swann Organizations: Protocol, of Texas, Emily Post, Swann School of Locations: Bankrate

Ashok Kumar | Getty Images Entertainment | Getty ImagesWhat is recession pop? Recession pop largely refers to the body of music that emerged during the Great Recession, which started in late 2007 and lasted for 18 months. It's a lot of Katy Perry, and a lot of hyper, very fast music," said Lewis. Why is recession pop having a renaissance? That tension has given way to recession pop."

Persons: Taylor Swift, Ashok Kumar, Charlie Harding, Harding, Joe Bennett, Katy Perry banger, Katy Perry, Lewis, Kevin Mazur, Bennett, Diane Negra, Charli XCX, Negra Organizations: Getty, New York University Steinhardt School of Culture ,, Human, Berklee College of Music, Pepsi, University of Phoenix, Farm, University College Dublin, Google, Dow Jones, Bank of America Locations: Singapore, Glendale , Arizona, U.S

☆ The golden age of overemployment is over. Job jugglers are preparing for life with only one income.
▼ + stars: | 2024-07-20 | by ( Jacob Zinkula | ) www.businessinsider.com time to read: +10 min

They've used the extra income to pay off student debt, save for retirement, and afford expensive vacations and weight-loss drugs. Related storiesIn addition to exploring other income streams, Adam said he's trying to take advantage of his extra income while he still can. The best advice he has for anyone who's still overemployed is not to become too dependent on the extra income. "From the start, I made it a point not to integrate the second job income into our bills," he said. Are you secretly working multiple remote jobs at the same time and willing to discuss details about your pay and schedule?

Persons: —, Charles, slowdowns, Charles said he's, I've, They've, overemployment, jugglers, they've, Adam, he's, He'd, Tomas, Charles couldn't, he'd, I'd, Joseph, — Joseph, Luke, who's Organizations: Service, Business, LinkedIn, Bureau, Labor Locations: an Arizona, Georgia, Texas, —

☆ EA college football is back after over a decade. The game and its fans are a lot different now
▼ + stars: | 2024-07-20 | by ( Jesse Pound | In Jesse-Pound | ) www.cnbc.com time to read: +4 min

Courtesy: EA SportsThe 2024 football season officially starts this weekend for many fans, as Electronic Arts rolls out a long-awaited revamp of its college football game. A new eraThe college football game, previously titled NCAA Football, was typically a smaller product for EA, at least compared to titles like Madden. Beyond the gameplay, the changes to the video game also reflect some massive shifts in college football itself, including the advent of the College Football Playoff. A decade ago, college football players had strict restrictions around making money outside of their scholarship. EA Sports College Football 25.

Persons: they've, Anthony Bencomo, Bencomo, Bill Long, Long, Eric Handler, Roth, Madden, Lucas Dolengowski, Dolengowski, Sports Bencomo, I've adulted Organizations: EA, EA Sports College Football, Electronic, XBox, PlayStation, Football, eBay, Sports, College Football, Sports What's Locations: Orlando, Sacramento, Madison , Alabama

☆ Most people hate this part of applying for a job — but it's still important to do
▼ + stars: | 2024-07-20 | by ( Sarah Jackson | ) www.businessinsider.com time to read: +3 min

download the appSign up to get the inside scoop on today’s biggest stories in markets, tech, and business — delivered daily. Read previewIt's one of the most frustrating parts of the job application process: You've already uploaded your résumé, but now you're being asked to rehash all of your work experience in the application. In a June 2024 survey of 2,000 US-based professionals by FlexJobs and MyPerfectResume, 79% said their biggest "turn-off" in a job application is having to re-enter their work history after uploading a résumé. "Job seekers have probably seen this, where they've applied for jobs at different companies and experienced different ATS systems and different parsing each time." AdvertisementAnd of course, there's also a much simpler reason to re-enter your job information.

Persons: —, you've, Toni Frana, there's, Alison Green, Green Organizations: Service, FlexJobs, Business

☆ How hedge funds are trading the dollar, ETFs, bonds, and gold in anticipation of a Trump win
▼ + stars: | 2024-07-20 | by ( Laila Maidan | ) www.businessinsider.com time to read: +4 min

Elliot has observed hedge funds expressing bullishness on the dollar in two main ways. Hedge funds are also taking long positions in exchange-traded funds specific to sectors likely to benefit from a loosening of regulatory constraints. In response, Elliot says hedge funds are moving into short positions on long-duration bonds, which is five years or more. Finally, given the rising uncertainty around inflation and deficit spending, hedge funds have shifted to increasing their positions in gold by buying gold futures contracts, he said. These contracts set up agreements on the purchase of a predetermined amount of gold at a set price by a set date.

Persons: Bob Elliott, Elliot Organizations: Service, Federal, Trump, Republican Locations: Washington

I asked a financial planner whether I should take money out of savings if interest rates drop. I haven't felt ready to follow their advice, especially since my high-yield savings account at Ally Bank has been offering 4% to 5% APY on the money in the account. If that happens, it might make sense for me to move money out of my high-yield savings account. I met with certified financial planner Jake Skelhorn, who shared three things I can do with that cash if interest rates drop. "While more volatile year-to-year, stock market returns have averaged approximately 10%, which is about double what you're getting in a high-yield savings account today."

Persons: it's, they've, haven't, Jake Skelhorn, Skelhorn Organizations: Ally Bank

☆ Big-dollar Democratic donors are split: Hold the line or abandon Biden?
▼ + stars: | 2024-07-20 | by ( Lloyd Lee | ) www.businessinsider.com time to read: +8 min

Advertisement"The donors that I'm in contact with are solidly behind Biden because we know Biden and Harris can defeat Trump," Ajay Bhutoria, the deputy national finance chair of Biden's National Finance Committee, told Business Insider. A spokesperson for the Biden campaign declined to comment on this story, and a Democratic National Committee spokesperson did not respond to a request for comment. Two wealthy donors told BI that they've lost faith in the Biden campaign just in the past month and that a new, younger Democratic nominee is needed to energize the base. But on Wednesday, the donor told BI that their thinking, along with other donors they have spoken to, has changed. Wasn't just the debate but everything since," the donor told BI in a text message on Wednesday.

Persons: —, Joe Biden, Reed Hastings, Gideon Stein, Biden, aren't, Harris, Donald Trump, Trump, Ajay Bhutoria, Lauren Hitt, Jeffrey Gural, Joe, Gural, Wasn't, Pres Biden, Bill Harris, Kamala Harris, Sen, Cory Booker of, Dem, that's, Amy Goldman Fowler, Peter Lowry, Lloyd Austin, Bhutoria, he's, Biden's Organizations: Service, Netflix, Business, Democratic, Biden, Biden's National Finance Committee, Democratic National, Fund, New York Times, Times, PayPal, Washington Post, MSNBC, The Times, Capitol, House, CNN, Senate Locations: Cory Booker of New Jersey

Understanding the role of a real estate agentWhat does a real estate agent do? To be able to represent buyers and sellers in this process, real estate agents all have to meet their state's requirements for real estate salespeople. Another type of real estate agent you may come across is a real estate broker. Real estate agent vs. RealtorNot all real estate agents are Realtors. How to find a real estate agent FAQsHow many real estate agents should I interview before making a decision?

Persons: that's, they've, you've, It's, you'll, Keller Williams, You'll, they're, I'm Organizations: Realtors, National Association of REALTORS, NAR Locations: Chevron

☆ Some US hospitals are canceling non-emergency surgeries and procedures amid the global IT outage
▼ + stars: | 2024-07-19 | by ( Sarah Jackson | ) www.businessinsider.com time to read: +1 min

The global CrowdStrike IT outage is affecting countless industries, including healthcare. Some major US hospitals are struggling to access systems containing crucial patient records. The outage has led some health centers to cancel non-urgent surgeries and procedures. AdvertisementMajor hospital systems across the US are seeing effects on patient care in the wake of the mass CrowdStrike IT outage Friday. Some health centers are struggling to access patients' digital records, including information vital to patient care, such as medical history and recent medications they've taken, and others are canceling non-emergency surgeries and procedures.

Persons: — Organizations: Service, Business

☆ CFPB cracks down on popular paycheck advance programs. Here's what that means for workers
▼ + stars: | 2024-07-19 | by ( Greg Iacurci | ) www.cnbc.com time to read: +6 min

Tierney L. Cross/Bloomberg via Getty ImagesThe Consumer Financial Protection Bureau is cracking down on so-called paycheck advance programs, which have grown popular with workers in recent years. Such programs, also known as earned wage access, allow workers to tap their paychecks before payday, often for a fee, according to the CFPB. More than 7 million workers accessed about $22 billion in wages before payday in 2022, according to a CFPB analysis of employer-sponsored programs also published Thursday. Consumers may encounter earned wage access under various names, like daily pay, instant pay, accrued wage access, same-day pay and on-demand pay. However, most users do pay fees, CFPB found in its analysis of employer-sponsored programs.

Persons: Rohit Chopra, Tierney L, Biden, CFPB's, they've, Phil Goldfeder, Goldfeder, It's, hasn't, EarnIn, CFPB, Mitria Spotser, EWA Organizations: Consumer Financial Protection, Financial, Bloomberg, Getty, California Department of Financial Protection, Innovation, Federal Reserve, Finance, American Fintech Council, Biden, Workers, Center for Responsible

☆ Ford Motor is among the most overbought stocks in the S&P 500 this week. Here are the others
▼ + stars: | 2024-07-19 | by ( Pia Singh | ) www.cnbc.com time to read: +4 min

The S & P 500 has dropped nearly 2% for the week, putting the broad-market index on pace for its worst weekly performance since April. This market shift has pushed some S & P 500 stocks into overbought territory despite the index's decline. Against this backdrop, CNBC Pro screened for the most overbought and oversold names in the S & P 500 based on their 14-day relative strength index, or RSI. Take a look at some of the overbought names: Ford Motor made the overbought list, with the stock scoring an RSI of about 83.2. Other overbought stocks include S & P Global and Republic Services.

Persons: Russell, they've, Goldman Sachs, Pizza, Domino's, Charles Schwab, Wall Organizations: Nasdaq, Dow, Federal, CNBC Pro, Ford, Super Duty, Gen, Analysts, P Global, Republic Services, Walgreens Boots Alliance, Nike

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