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☆ 5 best balance transfer credit cards with a 0% APR in April 2023
▼ + stars: | 2023-04-19 | by ( Jennifer Yellin | ) edition.cnn.com time to read: +26 min

Balance transfer credit cards offer an introductory 0% annual percentage rate (APR) on existing balances that you transfer over from other credit cards. So if you need to get your credit card debt under control, check out our list of the best balance transfer credit cards to decide which one best fits your needs. The best balance transfer credit cards of 2023Citi® Diamond Preferred® Card: Best overall for balance transfersU.S. Bank Visa® Platinum Card: Best for long balance transfersCiti® Double Cash Card: Best for flat-rate cash backChase Freedom Flex℠: Best for rotating bonus categoriesCiti Rewards+® Card: Best for small purchasesWhy did we select these cards as our best balance transfer credit cards for April 2023? CNN Underscored’s comprehensive credit card methodology compares every aspect of each balance transfer credit card to our “benchmark credit card” to determine which cards can potentially bring you maximum value. Frequently asked questions about balance transfer credit cardsNot everyone is familiar with how and when to use a balance transfer credit card, so we’ve assembled some of the more common questions and answers about the process.

☆ Toyota to invest $338 mln in new hybrid, flex car in Brazil
▼ + stars: | 2023-04-19 | by ( ) www.reuters.com time to read: +1 min

SAO PAULO, April 19 (Reuters) - Toyota Motor Corp (7203.T) said on Wednesday it will invest 1.7 billion reais ($337.68 million) to manufacture a new hybrid, flex-fuel compact car in Brazil, which will run on both gasoline and ethanol in addition to its electric engine. Toyota's announcement came at an event attended by the firm's local head, Rafael Chang, and Sao Paulo Governor Tarcisio de Freitas. Part of the investment - roughly 1 billion reais - will come from tax credits Toyota had with the state. "Toyota believes in the Brazilian market and continues to invest in technology and innovation to meet consumer needs," Chang said. The car is set to be launched in Brazil in 2024 and sold in 22 Latin American countries, it added.

☆ Goldman Sachs took a beating in the first quarter. Here are 5 things David Solomon can do to quell the dissenters in 2023.
▼ + stars: | 2023-04-18 | by ( Carter Johnson | ) www.businessinsider.com time to read: +3 min

Goldman Sachs' first-quarter earnings, released on Tuesday, fell short of analysts' expectations. Here are 5 things the CEO can do to prove he has the right plan for Goldman Sachs. David Solomon just came off the most challenging year of his tenure as CEO at Goldman Sachs. During the bank's first-quarter conference call, Solomon sounded optimistic about the bank's M&A pipeline. Here are the 5 things Solomon will need to do to prove Goldman is on the right track.

☆ Goldman Sachs took a beating in the first quarter. Here are 5 things David Solomon needs to do to quell the dissenters in 2023.
▼ + stars: | 2023-04-18 | by ( Carter Johnson | ) www.businessinsider.com time to read: +3 min

It also partners with Costco to offer Canadian members discounts on any Pets Plus Us Pet Insurance plan. Types of Pet Insurance Plans from Pets Plus UsPets Plus Us coverage is offered in a few different tiers, which include a starter tier of accident-only coverage. To file a claim with Pets Plus US, you can:Submit a claim online at Portal.PetsPlusUs.comBegin a claim by emailing submissions@petsplusus.comFax claims information to 1-855-456-PETS (7387)You can also file a pet insurance claim through the mail using the following address:Pets Plus UsSuite #400, 710 Dorval DrOakville, ON L6K 3V7Pets Plus Us Pet Insurance FAQsDoes Pets Plus Us offer pet insurance plans in the United States? Methodology: What Went into Our Pets Plus Us Pet Insurance ReviewBefore we wrote this Pets Plus Us review, we gathered information from more than 20 pet insurance providers offering similar pet health coverage. Pets Plus Us Pet Insurance Competitors PetSecure Pet InsurancePHI Direct Pet InsuranceFetch Chevron icon It indicates an expandable section or menu, or sometimes previous / next navigation options.

☆ Companies like Uber and Amazon use AI to pay people different wages for the same work, a new study finds
▼ + stars: | 2023-04-13 | by ( Jacob Zinkula | ) www.businessinsider.com time to read: +6 min

Some companies use AI to pay workers "different amount for the same amount of work," per new research. As companies adopt AI, she's concerned these practices could become prevalent in other industries. According to Dubal, companies like Amazon and Uber have "massive data sets" on the contract workers using their delivery or rideshare platforms, including when they work, for how long, and what kind of pay they've taken for past jobs. One Uber driver Dubal interviewed, Domingo, recalled being one ride of short of unlocking a $100 bonus one evening, but then said he experienced 45 minutes of "dead time" in a popular area before he was able to get another ride. Dubal described the alleged variable pay system as the "gamblification of work," a sentiment other gig workers shared.

Chase is well-known for its excellent small-business credit cards, most notably the Ink Business Preferred® Credit Card, Ink Business Cash® Credit Card, and Ink Business Unlimited® Credit Card. Even the no-annual-fee Ink Business Cash® Credit Card and Ink Business Unlimited® Credit Card may prove significantly better for your credit card strategy, whether you're interested in cash-back or travel rewards. With other Chase Ink credit cards, like the Ink Business Unlimited® Credit Card and Ink Business Cash® Credit Card, you can:Redeem your rewards for cash, gift cards, and travel at 1 cent eachConvert your rewards to airline miles or hotel points by moving your points over to a Chase Ultimate Rewards transferable points credit card like the Ink Business Preferred® Credit Card, Chase Sapphire Reserve®, or Chase Sapphire Preferred® Card. Ink Business Premier Card Benefits and FeaturesAs with many small-business cards, the Ink Business Premier Card comes with travel and purchase benefits that can save you money and give you peace of mind. Methodology: How We Reviewed the Ink Business Premier CardTo evaluate the Ink Business Premier Card, we compared it to other business credit cards and focused on several critieria, including:Simplicity — How easy is it to use the card?

☆ The most-wanted clothing brands at resale are probably hanging in your closet
▼ + stars: | 2023-04-11 | by ( Parija Kavilanz | ) edition.cnn.com time to read: +3 min

Resale clothing shoppers are bypassing previously-owned luxury brands at discounted prices in favor of scoring secondhand mid-tier brands for less. As many as 75% of consumers have shopped, or are open to shopping, for secondhand clothing – and demand has only grown during the pandemic. Mid-tier brands like Zara, Levi's and Abercrombie & Fitch have emerged as some of the most popular clothing brands among resale shoppers. In this environment, he said secondhand shoppers are hyper-focused on value, especially when buying clothes, and mid-tier brands are sitting in this sweetspot. ThredUp competitor Poshmark said mid-tier brands like Nike, Free People, Zara and J.

☆ Battle over Biden labor nominee Julie Su heats up
▼ + stars: | 2023-04-10 | by ( Nandita Bose | ) www.reuters.com time to read: +6 min

[1/2] Julie Su applauds while being nominated by U.S. President Joe Biden to serve as the Labor secretary during an event in the East Room of the White House in Washington, U.S., March 1, 2023. Crucial senators in Montana, West Virginia and Arizona, who voted for Su to become deputy Labor Secretary in 2021, are on the fence about her confirmation for the top job. The AFL-CIO will target Montana, West Virginia, Arizona and Maine, communicating support for Su to its members to get them to contact their state senators. A spokesperson for Maine's Republican Senator Susan Collins said she does not support Su's nomination. She voted no on Su's deputy secretary nomination in 2021, as did all Republicans.

☆ 10 ways Tasers and stun guns can damage your body and brain, from twisted testicles to temporary memory loss
▼ + stars: | 2023-04-10 | by ( Kelly Burch | ) www.businessinsider.com time to read: +9 min

Tasers, AKA stun guns, cause your muscles to seize up, which can make them sore for days after. Police and law enforcement have been using Tasers, known generally as stun guns, since 1974 as a safer alternative to guns. Put another way, all Tasers are stun guns, but not all stun guns are Tasers. Stun guns make your muscles seize up like a Charley horseA police officer's painful reaction to being tasered during a training course on stun guns. Rarely, stun guns can severely harm kidney functionVery rarely, stun guns can cause a serious condition called rhabdomyolysis, AKA rhabdo, which can be fatal.

☆ I'm a cart girl on a Las Vegas golf course who makes $500 in tips a day. You don't need experience to be successful at this job — here's how I do it.
▼ + stars: | 2023-04-10 | by ( Elle Hardy | ) www.businessinsider.com time to read: +8 min

Her main tips for success are to reach out to anyone you know in the golf world and stay positive. Now I'm a cart girl on a Las Vegas golf course, and I share my experience on TikTok with my 2.1 million followers. I usually make between $400 and $500 in tips a day on top of my salary. You can have as much fun partying on the golf course as you can at a day club in Vegas. Looks and outfits get you only so far, so you have to have the personality to make the golfers' day.

"It cannot be that financial institutions are doing well because they treat their customers badly," Chan-Jae Yoo, a BaFin official, said in an interview. Deutsche Kreditwirtschaft, an umbrella organisation that lobbies for German finance, said German banks are "extremely stable and robust" and confidence remains "high" and "unaffected" by recent turmoil stemming from the collapse of lenders in the United States and Switzerland. "The mere fact that consumers are increasingly asking us and seeking our advice is proof enough that they do not fully trust financial institutions," he said. Protections and rights for customers of financial institutions have come under increased scrutiny from regulators and the German courts. "We want services to establish themselves in the marketplace that meet consumer needs, not feed the financial industry," he said.

Our experts answer readers' credit card questions and write unbiased product reviews (here's how we assess credit cards). The information for the following product(s) has been collected independently by Business Insider: American Express® Green Card, Chase Freedom®. Read Business Insider's guide to the best 0% APR credit cards. `Amex Plan ItAmex's Plan It is very similar to My Chase Plan, but it's been around much longer. It debuted on 16 Amex credit cards in the summer of 2017, and over the next three years, people created nearly five million plans worth $4 billion.

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The de facto leader of the world’s main oil producer club sent crude prices spiking on Monday after proposing a further cut to crude production. Bank collapses on both sides of the Atlantic sent oil prices down by 15% to $73 a barrel in March. More importantly, while a Chinese post-Covid demand recovery should boost oil prices, it’s not totally clear by how much. Unlike Europe and the U.S., Chinese oil consumption is more led by industry than travel, and the former has yet to properly pick up. The U.S. administration said on April 2 the surprise oil output cuts were not “advisable”.

☆ Another Quarter, Another Change in EV Tax Credits
▼ + stars: | 2023-03-31 | by ( Stephen Wilmot | ) www.wsj.com time to read: 1 min

Getting the full $7,500 tax credit on a new electric vehicle is about to become tougher. On Friday, the Treasury Department and Internal Revenue Service published the fine print for their new EV tax credits. Auto makers have been waiting for this to confirm whether their products will qualify. Unless they find ways to flex the rules, the upshot is likely to be a massive reduction in EV subsidies from April 18, when the new regime takes effect.

☆ 3 tips on scaling your business during an economic downturn, according to a tech CEO
▼ + stars: | 2023-03-30 | by ( Matt Wursta | ) www.businessinsider.com time to read: +7 min

Matt Wursta is the founder and CEO of Wursta, a tech consultancy. I started Wursta, a tech consultancy, nearly 10 years ago, but as a business owner, I hadn't seen the market rise and fall so acutely until last year. Building a new business is by nature an uncertain endeavor, but unpredictable economic times can create the best environments for building a thriving business. Here are three tips for capitalizing on the downtimes to make the most for your business. Without sufficient cash (or cash alternatives) on hand, it becomes much more difficult to make the most of the opportunities that present themselves.

Best 5% Cash Back Credit Cards of April 2023Read on to see our picks for the best 5% credit cards and learn which ones best suit your needs. 5% Cash Back Credit Cards Frequently Asked Questions (FAQ)Is there a credit card that earns 5% cash back on everything? Compare the Best 5% Cash Back Credit Cards Chase Freedom Flex℠Discover it® Cash BackCiti Custom Cash℠ CardU.S. Bank Cash+® Visa Signature® CardInk Business Cash® Credit Card Chevron icon It indicates an expandable section or menu, or sometimes previous / next navigation options. US Bank Cash Plus card reviewBest for Small Business PurchasesInk Business Cash Credit CardIn some respects, the Ink Business Cash® Credit Card crushes others on this list. The main drawback of the Ink Business Cash® credit card is its limited selection of 5% cash back categories.

Best 5% Cash Back Credit Cards of May 2023Read on to see our picks for the best 5% credit cards and learn which ones best suit your needs. 5% Cash Back Credit Card Frequently Asked Questions (FAQ)Is there a credit card that earns 5% cash back on everything? Compare the Best 5% Cash Back Credit Cards Chase Freedom Flex℠Discover it® Cash BackCiti Custom Cash℠ CardU.S. Bank Cash+® Visa Signature® CardInk Business Cash® Credit Card Chevron icon It indicates an expandable section or menu, or sometimes previous / next navigation options. US Bank Cash Plus Card ReviewBest for Small Business PurchasesInk Business Cash Credit CardIn some respects, the Ink Business Cash® Credit Card crushes others on this list. Chase Ink Business Cash Credit Card ReviewHonorable MentionStore Credit CardsIf you do a high volume of spending with a single retailer, then a store credit card may be your best option.

☆ Uber Eats is cracking down on an explosion of 'ghost' menus, where restaurants feature the same food under as many as 20 different brands
▼ + stars: | 2023-03-27 | by ( Alex Bitter | ) www.businessinsider.com time to read: +3 min

Uber Eats has new rules for delivery-only brands on its app, the Wall Street Journal reported. Those restaurants represent about 13% of all virtual brands on Uber Eats, according to the Journal. Uber Eats offers food from roughly 40,000 virtual brands, up from 10,000 in 2021, according to the Journal. Some restaurants, such as Denny's, use virtual brands to offer items that aren't on the menu at their physical restaurants. Uber Eat's new requirements are part of a broader set of rules for virtual brands that the company plans to roll out this week, Uber told Insider.

☆ A remote worker who starts his job at 7:30 a.m. and takes afternoons off says the schedule 'makes it a lot easier to manage my focus, my energy, and just my overall attitude'
▼ + stars: | 2023-03-26 | by ( Juliana Kaplan | ) www.businessinsider.com time to read: +5 min

Remote workers taking afternoons off are powering a boom in golfing and other leisure activities. Maganas, 60, is one of the many American remote workers powering an afternoon-leisure boom. That type of schedule, which Maganas has had for about 20 years, has become increasingly popular with the widespread adoption of remote work. Research from Nick Bloom, a Stanford University economist who's studied remote work for nearly 20 years, and his colleague Alex Finan tracks a rise in split schedules for those who are remote. For those considering a foray into the split schedule, Maganas recommends giving it a try and seeing whether it affects stress levels.

☆ The three-day LA school strike is over. But get used to short, disruptive strikes like it
▼ + stars: | 2023-03-25 | by ( Chris Isidore | ) edition.cnn.com time to read: +6 min

But technically, this was a strike to protest the school district’s labor practices, not over the state of the contract negotiations. Most of those short strikes started with both strikers and management knowing the length of the strike at the start. Los Angeles school workers and supporters rally in Los Angeles State Historic Park on the last day of a three-day strike this past week. Sometimes the union waging the strike doesn’t have the option, at least not at that time, to have an open-ended strike. Workers on strike sometimes receive strike benefits but they’re not eligible for unemployment benefits from their state.

☆ Why some Silicon Valley CEOs don't blame SVB for its crash: 'I still fundamentally believe' nothing was 'wrong with the bank'
▼ + stars: | 2023-03-23 | by ( Megan Sauer | ) www.cnbc.com time to read: +6 min

SVB was a great partner to all the innovation that's happened in Silicon Valley," Varun Badhwar, CEO and co-founder of Palo Alto, California-based security software startup Endor Labs, tells CNBC Make It. "I still fundamentally believe there was nothing foundationally wrong with the bank." Before the crash, SVB counted nearly half of the country's venture-backed startups as clients, according to its website. CNBC Make It spoke with a group of startup bosses across a variety of industries, all of whom lost access to some, or all, of their company's money during the crash. But as investors' and other founders' attitudes changed throughout the afternoon, he decided to get the company's money out.

☆ The best credit card for each type of purchase
▼ + stars: | 2023-03-20 | by ( Jennifer Yellin | ) edition.cnn.com time to read: +17 min

Since every credit card earns a different amount of points on your common category purchases, the bonus points earned might persuade you to get one credit card over another. Fortunately, there’s a credit card out there for every type of purchase. Let’s check out some of the best credit card to use for all of your spend categories. Best credit cards for each category purchase in 2023While the cards listed here are some of our favorites for their respective categories, they might not be the best for your needs. American Express Gold Card: Best for restaurantsThe Amex Gold card earns 4 points per dollar at restaurants in the U.S. and abroad.

☆ Uber, Lyft trade group asks Biden's labor nominee to explain position on gig workers
▼ + stars: | 2023-03-20 | by ( ) www.reuters.com time to read: +1 min

WASHINGTON, March 20 (Reuters) - A trade group representing rideshare and delivery companies such as Uber (UBER.N) and Lyft (LYFT.O) is asking President Joe Biden's nominee to lead the U.S. Department of Labor, Julie Su, to explain her position on worker-classification rules. The group earlier this month said Su's record is "troubling" and called for a "meticulous review" of her record in the Senate confirmation process. The Department of Labor in October proposed a rule that would make it more difficult for companies to treat workers as independent contractors, which would shake up ride-hailing, delivery and other industries that rely on gig workers. The Department of Labor and the White House did not immediately respond to a request for comment. Reporting by Nandita Bose in Washington; Editing by Mark PorterOur Standards: The Thomson Reuters Trust Principles.

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