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☆ I went on a $7,075 cruise for 9 days. See inside my 344-square-foot suite with a glass sunroom and walk-in closet.
▼ + stars: | 2024-11-05 | by ( Jill Schildhouse | ) www.businessinsider.com time to read: +2 min

I went on a nine-day trip aboard the Scenic Spirit, a luxury river cruise that holds 68 guests. Sign up to get the inside scoop on today’s biggest stories in markets, tech, and business — delivered daily. Enter the luxury river cruise. An all-inclusive river cruise sailing can cost more than triple what you'd pay for a basic cabin on a megaship. This year, I went on one aboard the Scenic Spirit, which holds up to 68 guests.

Persons: —, Siem Organizations: Service Locations: Vietnam, Cambodia

☆ How companies are looking to cash in on Election Day
▼ + stars: | 2024-11-05 | by ( Dan Defrancesco | ) www.businessinsider.com time to read: +3 min

For many Americans, election night is a chance to blow off steam after an intense few months of campaigning that included a last-minute candidate switch and two assassination attempts. The homebodies are also set to make their economic mark on election night. In 2020, one food delivery company showed sales increased 20% on election night compared to the Tuesday prior. With tensions high, the country is bracing for civil unrest after the election , writes BI's Katie Balevic. The 2024 presidential race is already the most litigated in history, with more than 200 pending preelection lawsuits across 40 states , writes BI's Natalie Musumeci.

Persons: —, Insider's Juliana Kaplan, Kamala Kush, MAGA, rita —, Brian Williams, James Carville, Shepard Smith, BI's Lucia Moses, Williams, Jonathan Wald, Tim Paradis, ResumeBuilder.com, Katie Balevic, BI's Natalie Musumeci, Dan DeFrancesco, Jordan Parker Erb, Hallam Bullock, Ella Hopkins, Amanda Yen, Milan Sehmbi Organizations: Business, Service, Amazon, Veteran, American Psychological Association Locations: Brazil, Colombia, Chile, South Africa, New York, London

☆ 40% of investors are considering this money move after the election: It may cost them 'really great gains,' says market strategist
▼ + stars: | 2024-11-05 | by ( Ryan Ermey | ) www.cnbc.com time to read: +2 min

If this week's presidential election has you nervously eyeing your finances, you're not alone. Consider research published earlier this year from Carson Research Group, which tracked the performance of the S&P 500 under every presidency since 1953. If you followed the same strategy, but only invested with Democrats, you'd have about $60,000. "If you got out of the market because you didn't like the person who was in office, you gave up some really great gains," says Ryan Detrick, chief market strategist at the Carson Group. "However, the anxiety and fear that's coming from it — it's still worth thinking about addressing that directly."

Persons: Ryan Detrick, Dan Egan Organizations: Ottawa Hills High School, —, Carson Research Group, Republican, you'd, Carson Locations: Grand Rapids , Michigan

However, a debt consolidation loan isn't a one-size-fits-all solution, says CFP Uziel Gomez. While I try to avoid carrying high-interest debt and aim to pay my credit card balance in full each month, as a financial coach, people often come to me feeling overwhelmed and wanting help with looming credit card debt. Sometimes, a debt consolidation loan can help, but it's not always the answer. If someone isn't ready for debt consolidation, Gomez recommends whittling away at your credit card payments using either the snowball or avalanche debt payoff method. You haven't established good habitsIf you haven't established good habits to keep your credit card spending to a minimum, it's probably best not to consider a credit card debt consolidation loan or balance transfer card.

Persons: Millennials, Xers, Uziel Gomez, —, it's, that's, Gomez, there's, whittling, he's, haven't, let's Organizations: Service, New York Federal Reserve, Primeros Locations: LA

Capital One Quicksilver Student Cash Rewards Credit Card OverviewCapital One Quicksilver Student Cash Rewards Credit Card Apply now lock icon An icon in the shape of lock. Capital One Savor Student Cash Rewards Card ReviewCapital One Quicksilver Student Card vs. the Bank of America® Unlimited Cash Rewards Credit Card for StudentsThe Bank of America® Unlimited Cash Rewards Credit Card for Students is another strong option, offering a flat 1.5% cash back on all purchases, similar to the Capital One Quicksilver Student card. Bank of America Unlimited Cash Rewards Card for Students ReviewCapital One Quicksilver Student Card Frequently Asked QuestionsWhat is the difference between Quicksilver Rewards and Quicksilver Rewards for Student? The difference between the Quicksilver Rewards Card and the Quicksilver Rewards Card for Students is that the former offers more perks. Why You Should Trust Us: How We Reviewed the Capital One Quicksilver Student Cash Rewards Credit CardOur experts evaluated the Capital One Quicksilver Student Cash Rewards Credit Card relative to other student credit cards and cards for folks with fair or average credit.

Persons: it's, That's, you'll, —, There's, Modest, David McMillin David McMillin, Guy, David, he's, Angela Fung, Read, Gabriel Vito Gabriel Vito, Gabriel, Education Gabriel, ExperienceExpertiseEducation Read Organizations: Business, Bank of America, Capital, Chevron, Entertainment, Walmart, Gas, Quicksilver, The Bank of America, Review, Finance, Forbes, CNN, University of California, Banking, Education, The University of California Locations: Capital One's, Chicago, Alaska , Utah , Oklahoma, Vermont, Riverside

See more mortgage rates on Zillow Real Estate on ZillowMortgage CalculatorUse our free mortgage calculator to see how today's interest rates will affect your monthly payments. Current 30-Year Mortgage RatesAverage 30-year mortgage rates are hovering in the mid-6% range, according to Zillow data. Current 15-Year Mortgage RatesAverage 15-year mortgage rates are in the high 5% range, according to Zillow data. 5-Year Mortgage Rate TrendsHere's how 30-year and 15-year mortgage rates have trended over the last five years, according to Freddie Mac data. Mortgage rates are determined by a variety of different factors, including larger economic trends, Federal Reserve policy, your state's current mortgage rates, the type of loan you're getting, and your personal financial profile.

Persons: Trump, Harris, Donald Trump, Trump's, Kamala Harris, you'll, they've, Freddie Mac, it's, We'll Organizations: Investors, Trump, Federal, Fed, Zillow Locations: Chevron

☆ Cathie Wood positions for new tech boom - and it doesn't matter who wins the White House
▼ + stars: | 2024-11-05 | by ( Stephanie Landsman | ) www.cnbc.com time to read: +2 min

ARK Invest's Cathie Wood is positioning for a White House administration that embraces transformative technology. Wood runs the firm's flagship ARK Innovation ETF (ARKK) — which is up almost 22% over the past three months. After soaring nearly 68% last year, the ARK Innovation ETF is down about 8% in 2024. Wood is also behind the ARK Genomic Revolution ETF (ARKG) , which is down about 25% so far this year. The ARK Genomic Revolution ETF owns both stocks.

Persons: Wood, it's, Joe Biden, ARKK Organizations: White, Innovation, Federal Reserve, Tech, Genomic, Beam Therapeutics Locations: ARKK

☆ A 14-year-old's award-winning invention uses AI to detect pesticides on fruit and vegetables
▼ + stars: | 2024-11-05 | by ( Jessica Orwig | ) www.businessinsider.com time to read: +5 min

A 14-year-old invented a handheld device that uses AI to detect pesticides on produce. It attaches to a smartphone and uses AI to detect the presence of certain pesticides on common produce. Courtesy of 3MTo use it, you download a phone app, point Pestiscand at the fruit or vegetable, and tap the scan button, Subash told Business Insider. Holger Leue/Getty ImagesEven though washing produce may not remove all pesticides, it's one of the best ways to reduce your exposure, de Montagnac said. She recommends washing for 15 to 60 seconds depending on the produce — for produce that typically contains a lot of pesticides, wash longer.

Persons: —, Subash, Subash wasn't, Gilles Benoit, Alexis Temkin, Benoit, Holger Leue, Montagnac, Temkin Organizations: Service, Business, Environmental Locations: EWG

☆ I ran my first marathon. Here are 6 things I did that set me up for success, and 1 that nearly sabotaged me.
▼ + stars: | 2024-11-05 | by ( Julia Pugachevsky | ) www.businessinsider.com time to read: +7 min

The 2024 New York City Marathon was the first marathon I ever ran. AdvertisementAfter years of spectating at the New York City Marathon, I finally ran my first one in 2024. I signed up because completing a marathon, especially as a runner living in New York, felt like a big bucket-list accomplishment. Julia PugachevskyInitially, I didn't have a time goal; I just wanted to be able to run the whole marathon. I set up things to look forward toHolding up a sign my friend made me at our post-marathon dinner.

Persons: carbo, —, Julia Pugachevsky, Deadlifting, squats, Brooks Glycerin, Michael Mazzara, I've, Hokas, Brooks, Gu, Pugachevsky, Jena Brown, me carbo, Milica McDowell, I'd, Julia Pugachevsky I'm Organizations: York City Marathon, Service, New York City Marathon, Gatorade Locations: York, spectating, New York, Brooks, Central Park, caffeinated

☆ I'm a dad to 6 kids. I allow them to talk openly about sex and drugs, but I still have boundaries.
▼ + stars: | 2024-11-05 | by ( Kelly Burch | ) www.businessinsider.com time to read: +4 min

He doesn't censor the kids, leading to many open and honest conversations. download the app Email address Sign up By clicking “Sign Up”, you accept our Terms of Service and Privacy Policy . The difference is that in my house, we talk openly about it because I'm determined not to censor the kids. We don't allow the kids to complain about one another unless the person they're talking about is in the room. AdvertisementI still have boundaries with the kidsEven though I don't sensor the kids, we still have boundaries.

Persons: Adam Feuerstein, —, they're, I've, It's, who's, I'm, Michelle Organizations: Service

☆ Four takeaways from Alex Karp's triumphant Palantir earnings call
▼ + stars: | 2024-11-05 | by ( Geoff Weiss | ) www.businessinsider.com time to read: +5 min

Alex Karp touted Palantir's blockbuster earnings in a triumphant investor call. He said AI models are commodities — it's what you do on top of them that counts. Other Palantir execs have helped shift the focus away from Karp. AI models are commodities — it's what you do on top that counts. Palantir execs were surprised by the company's quarterly earnings.

Persons: Alex Karp, —, Karp, Palantir's, Shyam Sankar, Akash Jain —, Palantir, They're, Sankar, Jain, Ryan Taylor, Taylor, Palantir execs, he'd, Maven Organizations: Service, US Army Locations: US, Ukraine

☆ Billionaire Ray Dalio says people should budget for the basics — and the US faces 3 huge threats
▼ + stars: | 2024-11-05 | by ( Theron Mohamed | ) www.businessinsider.com time to read: +4 min

Ray Dalio says identifying your basic needs and ensuring they're covered is key to a happy life. Dalio told a podcast that the national debt, political infighting, and foreign rivals threaten the US. AdvertisementRay Dalio says figuring out your fundamental needs and setting aside enough cash to cover them is key to solving money troubles. Higher inflation and interest rates have made the economy a key concern for voters ahead of the presidential election. Failing to unite the country could result in revolution and subpar management, which Dalio deemed the "greatest risk" from a political standpoint.

Persons: Ray Dalio, Dalio, —, Tom Bilyeu's, you've, They've, Donald Trump, Kamala Harris, who's Organizations: Service, Bridgewater Associates, Bloomberg, Republican, Democratic Locations: China, Russia

☆ Election Day means at least one good thing: No more political text messages!
▼ + stars: | 2024-11-05 | by ( Katie Notopoulos | ) www.businessinsider.com time to read: +4 min

The 2024 election cycle has been a brutal assault on our text message inbox. But whatever that outcome is, one thing will unify both sides: Those awful campaign text messages will finally stop. If you, too, have felt bombarded with political texts, you're not alone. Katie Notopoulos / Business InsiderWhat the political text rules sayThe Federal Trade Commission makes rules around robocalls and robotexts: They're exempt from the federal "Do Not Call" list, but there are other rules they have to follow — political messages sent by an autodialer require "the called party's express consent." But messages sent manually don't require an opt-in, so that's why you get so many messages saying, "Hi, Katie!

Persons: —, There's, I've, Joanna Stern, Katie Notopoulos, Katie, Suzie, it's Organizations: Service, Trump, The Wall Street, Federal Trade Commission Locations: United States, France

☆ Voters ages 50 and up may decide the 2024 presidential election based on 'day-to-day pocketbook issues,' expert says
▼ + stars: | 2024-11-05 | by ( Lorie Konish | ) www.cnbc.com time to read: +1 min

A person arrives to vote at a polling station on Election Day, in The Villages, Florida. In a heated presidential race, there's one age cohort — voters ages 50 and up — who may help decide the ultimate winner. About 90% ages 50 and up say they are extremely motivated to vote, AARP has found, versus 75% of voters under age 50. "It's all related to day-to-day pocketbook issues, and who's better able to handle those issues moving forward," Hishta said. Caregiving is another area this cohort is paying attention to, since a substantial portion of people ages 50 and over serve in those roles, he said.

Persons: John Hishta, Donald Trump, Kamala Harris, who's, Hishta Organizations: AARP, Republican, Democratic Locations: The Villages, Florida

☆ What to watch for on Election Day as Harris and Trump face off
▼ + stars: | 2024-11-05 | by ( Brent D. Griffiths | Alice Tecotzky | ) www.businessinsider.com time to read: +8 min

Pre-election polling showed her race against former President Donald Trump could be the closest in history. Bucks County, Pennsylvania: Pennsylvania Gov. Montana: Sen. Jon Tester, a Democrat, is facing an even tougher challenge in Montana, a state Trump carried by over 16 points in 2020. AdvertisementCalifornia 22nd: Rep. David Valadao is one of 18 House Republicans representing a district President Biden won in 2020. Valadao is also one of the only two remaining House Republicans who voted to impeach Trump after the January 6 Capitol riot.

Persons: Kamala Harris, Donald Trump, —, Kamala Harris upended, Gallup, It's, Trump, Harris, Biden's, Obama, Carter, Josh Shapiro, Hillary Clinton, Biden, Doug Ducey, Mark Blumenthal, Blumenthal, they're, Elissa Slotkin, Mike Rogers, Rogers, Slotin, Sen, Sherrod Brown, Bernie Moreno, Brown, AdImpact, Moreno, Montana : Sen, Jon Tester, Tim Sheehy, Sheehy, Tester, David Schweikert, Katie Hobbs, Mark Kelly, Shah, Marc Molinaro, Josh Riley, David Valadao, Valadao, Rudy Salas Organizations: Service, White House, White, Electoral, North, Bucks, Pennsylvania, GOP, Democrats, Biden, Republican, Netflix, Senate, Michigan, Trump, Democrat, Cleveland, Ohio Senate, Montana :, Republicans, Rep, Gov, . New York, Democratic, Former Locations: Pennsylvania, New York, California, Michigan , Wisconsin, North Carolina, Georgia, Nebraska, Bucks County , Pennsylvania, Philadelphia, Waukesha County , Wisconsin, Milwaukee, Clinton, Maricopa County , Arizona, Phoenix, Ohio, Montana, Arizona, Scottsdale, . New

☆ I use credit-card points to book almost all of my travel — but there are 5 things I'd never do
▼ + stars: | 2024-11-05 | by ( Jill Robbins | ) www.businessinsider.com time to read: +4 min

I use credit-card points to book almost all my travel, but I try not to carry a balance on my cards. AdvertisementI am a frequent traveler — on average, I fly at least once a month — and I put most of my expenses on my Delta co-branded airline credit card. As someone who books most of my travel with points and miles, here are things I'd never do. Caroline Purser/Getty ImagesIn my experience, it's rarely a good value to use my airline miles and credit-card points on hotel stays or vacation packages. It's my oldest credit card, and the interest rate is reasonable, so keeping it is good for my credit score for now.

Persons: —, I've, Caroline Purser, I'm, that's Organizations: Service, Southwest Airlines Locations: San Antonio, Fort Lauderdale

☆ How Women Are Building Community to Succeed in the AI Space.
▼ + stars: | 2024-11-05 | by ( Samantha Stokes | ) www.businessinsider.com time to read: +8 min

But others building startups report facing various gender-related obstacles to success, including bias in the fundraising process, limited mentorship opportunities, and difficulty building meaningful business relationships with men. And recent data from the UK shows that only about 4% of AI startups in the country have women founders. Developing relationships with other women working in the AI space has become a vital lifeline, she said. There were plenty of women interested in building AI companies, she said. AdvertisementThis observation was the catalyst for the Female Founder Circles, a community for women engineers interested in building AI startups.

Persons: Saumya Bhatnagar, Bhatnagar isn't, Fei Fei Li, Daniela Amodei, Mira Murati, it's, Bhatnagar, she's, I'm, Vivien Ho, Ho, they're, Forbes, Rejpal, Rajpal, Stephanie Guo, Guo Organizations: Deloitte, Bay Area, FFC, Pear, Zetta Venture Partners, Bloomberg Beta, GitHub, Sapphire Ventures Locations: Bay, San Francisco

☆ Amazon CEO Andy Jassy denies that 5-day office mandate is a 'backdoor layoff'
▼ + stars: | 2024-11-05 | by ( Annie Palmer | In Annierpalmer | ) www.cnbc.com time to read: +4 min

Amazon CEO Andy Jassy denied speculation that the company's five-day in-office mandate was made to further reduce head count or appease city officials. "We urge you to reconsider your comments and position on the proposed 5-day in-office mandate," the letter said. The letter included anecdotes from AWS staffers who detailed how the five-day in-office mandate will impact their "life and work." Jassy acknowledged Tuesday that the five-day in-office mandate will be an adjustment for employees. WATCH: AWS CEO says employees unhappy with 5-day office mandate can leave

Persons: Andy Jassy, I've, Jassy, Matt Garman, Garman, he's Organizations: New York Times DealBook, Jazz At Lincoln Center, Amazon, CNBC, Employees, Reuters, Amazon Web Services, Seattle Locations: New York City

☆ Sales are sliding at KFC and Burger King as fast-food chains keep struggling
▼ + stars: | 2024-11-05 | by ( Mary Hanbury | Nora Redmond | ) www.businessinsider.com time to read: +2 min

Both KFC and Burger King saw sales fall in the US in the three months to the end of September. On Tuesday, Burger King owner Restaurant Brands International and the parent company of KFC followed in its footsteps. Comparable sales dropped by 0.4% for Burger King and 3.8% at Popeyes in the US. Fast-food chains have struggled recently as price hikes have increasingly put off some consumers. McDonald's, KFC, and Burger King are among those trying to lure back diners with new value menu deals.

Persons: It's, —, McDonald's, Burger, Taco Bell, Burger King, Tim Hortons Organizations: KFC, Burger King, Service, Restaurant Brands, ! Brands, Taco, Burger, Taco Bell Locations: Popeyes

☆ Jim Cramer lists 10 stocks that could do well under Harris or Trump
▼ + stars: | 2024-11-05 | by ( Julie Coleman | ) www.cnbc.com time to read: 1 min

CNBC's Jim Cramer on Election Day identified stocks that could perform well with either Vice President Kamala Harris or former President Donald Trump in the White House. "I want to highlight ten stocks that I believe will do well under either candidate, a who's who of acclamation — companies that almost have to do well because of seismic trends and savvy managements," he said. "Companies that no White House would get hung up on, either because they're beneath notice or they're perceived as good corporate citizens by both sides. Stocks in industries that neither Trump nor Harris have ever targeted in the past." Here are ten stocks, in no particular order, that Cramer said are poised to benefit under either administration:

Persons: CNBC's Jim Cramer, Kamala Harris, Donald Trump, Trump, Harris, Cramer Organizations: Companies

☆ A booming Montana city's struggle with homelessness is a warning — and a model — for the West
▼ + stars: | 2024-11-05 | by ( Eliza Relman | ) www.businessinsider.com time to read: +8 min

AdvertisementHousing costs and the homeless population have soared in the Western Montana city of Missoula this year. Between 2021 and 2023, the city's two main shelters saw a 53% increase in the number of nights of shelter provided to Missoulans experiencing homelessness. Advocates for those experiencing homelessness say there's much more work to be done. Local lawmakers say the city needs more state and federal funds to aid those experiencing homelessness. Building more housing is key to solving homelessnessAffordability is at the root of homelessness in Missoula and across the US.

Persons: —, Jill Bonny, they're, Bonny, It's, Eliza Relman, Bob Campbell, Campbell, who's Organizations: Service, Poverello Center, Sun, Poverello, New Hope Ministries, Business, Marine Corps Locations: Missoula, Western Montana, Montana, It's

Members of the Proud Boys rally against vaccination mandates in New York City on Nov. 20, 2021. The Proud Boys of Columbus recently posted a claim that they had enrolled members as poll watchers and poll workers. But Proud Boys members are clearly active. The Proud Boys chapters are decentralized, but they've spent the time since Jan. 6 wedging themselves into other right-wing issues. The Proud Boys messages were sent over Telegram, which has become the preferred platform of far-right groups, where they can spread their content freely.

Persons: Donald Trump, Trump, ”, Donald Trump’s, Enrique Tarrio, Stephanie Keith, Marjorie Taylor Greene, they've, Stewart Rhodes, Rhodes, —, Mitt Romney's, Tucker Carlson, Liz Cheney wouldn’t, “ Organizations: PHILADELPHIA, U.S, Capitol, Trump, Proud, Advance Democracy, NBC News, Columbus, NBC, U.S . Capitol, Trump —, Fox News Locations: ”, New York City, Ohio, American

But then there are voters who say former President Donald Trump lacks the character or demeanor a president should have. And some specifically panned the the racist and demeaning rhetoric from Trump allies at last week's rally at Madison Square Garden, criticizing them for alienating Americans instead of bringing them together. Other voters derisively mentioned Harris' laughter, called Trump more "transparent in what he's looking to do," and cited their support for Trump economic policies like tariffs and not taxing overtime pay. For the Harris supporters who briefly, seriously, considered Trump, the former president's tone and demeanor looms large. Again, a handful of voters brought up the rally comments about Puerto Ricans when voters describing something that made them view Trump more negatively.

Persons: Kamala Harris, Harris, she's, Donald Trump, —, Trump, Biden, haven’t, they'd, I’ve, Joe Biden, She’s, Kamala, he’s Organizations: NBC News, Trump, Madison, Garden, Puerto Ricans, NBC, White Locations: Trump, New York, Missouri, Wisconsin, Puerto Rico, Pennsylvania, New York City, Puerto, Texas, Florida, Idaho, Louisiana

Philadelphia District Attorney Larry Krasner on Monday testified that Tesla CEO Elon Musk and his political action committee know they are conducting an "illegal" lottery by giving away $1 million to registered voters in Pennsylvania and other swing states before Election Day. "They know what they're doing is illegal and they are doing everything under the sun to clean it up," Krasner said. "There is no First Amendment right to commit crimes," the DA testified in the Philadelphia County Court of Common Pleas. "There is no First Amendment right to commit fraud." Under questioning by attorney John Summers, who is representing Krasner's office, the DA said the fact that he is a Democrat had nothing to do with his decision last week to sue the billionaire Musk and America PAC over the daily giveaway, which is due to end Tuesday.

Persons: Larry Krasner, Elon Musk, Krasner, Donald Trump, Kamala Harris, John Summers, Musk Organizations: Philadelphia, Musk's America PAC, Democrat, America PAC Locations: Pennsylvania, Philadelphia

☆ A 45-year-old personal trainer to celebrities including Naomi Campbell shared how he eats and trains to boost his longevity and stay fit
▼ + stars: | 2024-11-04 | by ( Rachel Hosie | ) www.businessinsider.com time to read: +6 min

Celebrity personal trainer Luke Worthington focuses on longevity over hitting fitness personal bests. AdvertisementWorthington, who has trained celebrities including Dakota Johnson, Naomi Campbell, and Jodie Comer, shared his longevity non-negotiables with BI. Luke Worthington used to prioritize his work over his fitness. Luke WorthingtonThree times a week, Worthington strength trains using the "3 x 52" format he uses with his clients. While Worthington used to rely on recipe boxes and convenience foods, he's started cooking from scratch over the past year.

Persons: Luke Worthington, —, he's, it's, Worthington, Dakota Johnson, Naomi Campbell, Jodie Comer, wasn't, Luke Worthington Worthington, I've Organizations: Service, Worthington Locations: London

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