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☆ How to Invest in Stocks
▼ + stars: | 2022-12-30 | by ( ) www.wsj.com time to read: +23 min

Set your time frameWhen you’re ready to invest in stocks, it’s natural to start by looking at how the stock market has performed recently. If you’re saving for the long-term: Invest in stocksOn the other hand, if you have a long-term financial goal—especially retirement, but any goal a decade or more out—you can afford to invest in the stock market. Decide how much risk to takeJust because you have time to invest in stocks doesn’t mean you have the stomach. Return Best Year Worst Year Years with a loss 100% Stocks 12.3% 54.2% -43.1% 25/96 80% Stocks 11.1% 45.4% -34.9% 24/96 60% Stocks 9.9% 36.7% -26.6% 22/96 40% Stocks 8.7% 35.9% -18.4% 19/96 20% Stocks 7.5% 40.7% -10.1% 16/96 100% Bonds 6.3% 45.5% -0.8% 20/96 VanguardStep 3. Most ETFs are index funds, meaning they merely aim to match the returns of a stock market index, although some target very narrow slices of the market, such as just tech stocks or just energy stocks.

☆ Millions of people are still moving to Florida. They might regret it.
▼ + stars: | 2022-12-29 | by ( Jacob Zinkula | Jordan Pandy | ) www.businessinsider.com time to read: +4 min

The state's population has been steadily increasing for decades. But some that have moved to Florida will come to regret the decision — and may ultimately move out. A nearly 14,000-member Facebook group for people moving out of Florida has cited severe weather, low wages, crowded beaches, changing politics, and steep housing prices as reasons people left. Nicole Panesso lived in Florida her whole life until moving to Tennessee earlier this year, she previously told Insider, citing low wages and high expenses as reasons why. For Greg May, Florida's high temperatures were the main reason he left for North Carolina, he previously told Insider.

☆ Americans are still moving to Florida. They might regret it.
▼ + stars: | 2022-12-29 | by ( Jacob Zinkula | Jordan Pandy | ) www.businessinsider.com time to read: +4 min

☆ The Best Banks for Small Business
▼ + stars: | 2022-12-27 | by ( ) www.wsj.com time to read: +15 min

To find the best business banks, we evaluated two dozen of the biggest institutions, looking for accounts that are easy to use, with low or no fees, and that don’t require large balances. Amex is one of relatively few banks that offers a competitive interest rate on its business checking account, with a current APY of 1.3% on balances up to $500,000. If you’re on the lookout for a new business credit card, the American Express Business Gold Card is Buy Side’s pick for Best Business Credit Card. How we pickedTo pick Buy Side from WSJ’s Best Banks for Small Business, we evaluated small-business checking accounts offered by two dozen traditional and digital banking institutions. We looked for business checking accounts that offered the best combination of convenience, low fees and features that make running a business easier, like integration with other business technology platforms and the availability of (or ability to connect with) payment processing systems.

☆ The FTX disaster has set back crypto by 'years' — here are 3 ways it could reshape the industry
▼ + stars: | 2022-12-19 | by ( Ryan Browne | ) www.cnbc.com time to read: +5 min

It aims to reduce the risks for consumers buying crypto, making exchanges liable if they lose investors' assets. The saga has set back adoption of crypto assets by "one or two years," according to Evgeny Gaevoy, founder and CEO of crypto market maker Wintermute. ConsolidationMany new companies and projects emerged in the years that followed the 2018 crypto winter — FTX among them. Marieke Flament, Near's CEO, said the firm had limited exposure to FTX — though the collapse was still "a surprise and a shock." Fears have risen over the financial health of other major crypto exchanges after FTX's failure.

☆ Explainer: What the world's nature-rich nations want out of a global conservation deal
▼ + stars: | 2022-12-17 | by ( Gloria Dickie | ) www.reuters.com time to read: +6 min

REUTERS/Nacho Doce/File PhotoMONTREAL, Dec 17 (Reuters) - Tangled expanses of Amazon rainforest, high mountains of the Himalayas, and cloud-shrouded forests are just some of the unique landscapes contained within the world's most nature-rich nations. Governments are trying to work out a new global agreement to guide conservation and wildlife protection through 2030 at a U.N. summit in Montreal this week. Of the nearly 200 countries assembled, five are considered to be among the world's most biodiverse nations — measured in the number of unique species. That's more than a third of all the world’s flowering plants, and more than half of all bird and mammal species on Earth. Here's what some of the world's most nature-rich nations want to happen at the talks.

At trial, Milton was convicted on one count of securities fraud and two counts of wire fraud. In court papers on Thursday, Milton said that one juror had said during jury selection that she did not use social media and got her news via YouTube. But a review of what Milton said were her social media accounts implied that she read many news sources and showed that she had posted about income inequality, Milton said. If the judge does not grant a new trial, he should hold a hearing to question the juror about whether she lied in court, Milton wrote. Reporting by Jody Godoy in New York; Editing by Noeleen Walder and Lisa ShumakerOur Standards: The Thomson Reuters Trust Principles.

☆ DeSantis' latest anti-COVID-19 vaccine push puts him on a collision course with Trump over the pandemic
▼ + stars: | 2022-12-14 | by ( Kimberly Leonard | ) www.businessinsider.com time to read: +11 min

Ron DeSantis intensified his attacks on the COVID-19 vaccines on Tuesday, in a move that positions the Republican governor to contrast his pandemic record with that of former President Donald Trump. It's not clear whether Trump will lean into his success on the COVID-19 vaccine through his Operation Warp Speed program. Then-President Donald Trump with then-Florida governor candidate Ron DeSantis at a July 2018 “Make America Great Again” rally in Tampa, Florida. For instance, the FDA and CDC have cleared the bivalent booster for those as young as 6 months of age depending on what COVID-19 vaccine a person has previously had. The committee will issue guidance about COVID vaccines and other healthcare matters.

☆ SEC Chair Gary Gensler tees up changes to how the stock market operates
▼ + stars: | 2022-12-13 | by ( Bob Pisani | ) www.cnbc.com time to read: +8 min

These wholesalers may send the orders to exchanges, but often match the orders against their own internal order flow. However, Gensler has claimed that pension funds and other institutional investors are not able to interact with that retail order flow. Execution quality disclosure Market participants are required to submit monthly reports indicating how well they are executing client orders. Gensler has said investors today need a better understanding of how well their trading orders are being executed. Gensler's broad agenda The proposals on market structure are part of a broad agenda Gensler has undertaken this year.

☆ Businesses in China's Wuhan face fresh worries after COVID easing
▼ + stars: | 2022-12-12 | by ( Martin Quin Pollard | ) www.reuters.com time to read: +4 min

WUHAN, China, Dec 12 (Reuters) - Infections are delivering a fresh kick in the teeth for many small businesses in China's central city of Wuhan, despite the easing of most stringent curbs last week. "This street is considered a top location in Wuhan," Zhu added. The only queue within several hundred metres was outside a pharmacy, where people waited to stock up on medicines to treat the symptoms of COVID. People just do not have much money anymore, said a Wuhan taxi driver, surnamed Sun, adding that subsidies had made the 2020 lockdown more manageable than this year's measures. "Now, it’s a tiny bit better, but I can only make enough to pay back the company my monthly taxi rental fee."

☆ I became an Amazon product manager with no tech experience. Here's how my years as a fitness trainer helped me land the gig.
▼ + stars: | 2022-12-09 | by ( Perri Ormont Blumberg | ) www.businessinsider.com time to read: +9 min

Ridge Carpenter is a physical trainer and product manager for Halo, Amazon's fitness tracker. When he applied for the position, the only detail he knew was that the job related to fitness. Now he gets to incorporate physical training into his new role and work on cool features every day. Eventually, a colleague and mentor referred me for a job as a fitness consultant at Amazon — which led me to my job today as a product manager at Amazon Halo. Now, as a product manager, I make sure the product team knows what to build based on our overall mission and strategy.

☆ Elon Musk keeps bringing in new people to Twitter, like 'enthusiastic' interns, cousins, and even Bari Weiss
▼ + stars: | 2022-12-07 | by ( Kali Hays | ) www.businessinsider.com time to read: +5 min

CEO Elon Musk has made some dramatic changes to Twitter since taking over five weeks ago. Roughly 150 people are still working at Twitter at Musk's behest from his other companies and ventures, according to two people familiar with the company. Musk's hires at TwitterTwo of Musk's cousins, James and Andrew Musk, appear to now be acting as full-time Twitter employees, both of the people familiar said. Weiss was in the San Francisco office that evening, speaking and "laughing with" Musk, two employees said. Now, Weiss has been given access to Twitter's employee systems, added to its Slack, and given a company laptop, two people familiar with her presence said.

☆ Elon Musk keeps bringing in new people to Twitter, like enthusiastic interns, cousins, and even Bari Weiss
▼ + stars: | 2022-12-07 | by ( Kali Hays | ) www.businessinsider.com time to read: +5 min

CEO Elon Musk has made some dramatic changes to Twitter since taking over five weeks ago. Roughly 150 people are still working at Twitter at Musk's behest from his other companies and ventures, according to two people familiar with the company. Musk's hires at TwitterTwo of Musk's cousins, James and Andrew Musk, appear to now be acting as full-time Twitter employees, both of the people familiar said. Both men work daily at Twitter offices, with Andrew Musk working on software-engineering projects and James Musk seen more as "a fixer type," one of the people said, helping Musk out with various needs and tasks. Weiss was in the San Francisco office that evening, speaking and "laughing with" Musk, two employees said.

☆ Used vehicle demand and prices continue to decline from record highs
▼ + stars: | 2022-12-07 | by ( Michael Wayland | ) www.cnbc.com time to read: +2 min

DETROIT – Wholesale prices of used vehicles reached their lowest level in more than a year last month, as retail sales decline amid interest rate hikes, rising new vehicle availability and recessionary fears. Cox Automotive said Wednesday that its Manheim Used Vehicle Value Index, which tracks prices of used vehicles sold at its U.S. wholesale auctions, has declined 15.6% from record levels in January through November. "New inventory is finally starting to build, and that's producing momentum in new retail sales, but that momentum appears to be at the expense of used retail. Retail prices for consumers traditionally follow changes in wholesale prices. Cox estimates that used retail sales declined 1% in November from October and were down 10% from a year earlier.

☆ Wall Street Journal insiders are buzzing about what a leadership shake-up could mean for Murdoch world
▼ + stars: | 2022-12-06 | by ( Steven Perlberg | ) www.businessinsider.com time to read: +7 min

Sunday Times editor Emma Tucker is expected to replace Journal editor Matt Murray, Semafor reported. News Corp insiders believe Murdoch might make changes ahead of a possible recombination of News Corp and Fox. Is Rupert Murdoch planning to move his editorial chess pieces ahead of a potential recombination of News Corp and Fox? Last month, Semafor reported that Wall Street Journal editor Matt Murray is expected to be replaced by Emma Tucker, who leads fellow News Corp title The Sunday Times in London. That report followed the October disclosure that Murdoch is considering recombining News Corp with Fox Corp, with both companies convening special committees to review options.

☆ Iran's state media denies abolition of 'morality police' as three-day strike begins
▼ + stars: | 2022-12-05 | by ( Natasha Turak | ) www.cnbc.com time to read: +7 min

Atta Kenare | Afp | Getty ImagesSome Western media outlets are facing backlash from Iranian activists over headlines printed Sunday saying that Iran was abolishing its "morality police." Many Iranian anti-government activists now feat it will distract from three days of major strikes around the country. What's more, the higher branches of Iran's government have not confirmed it, and Iranian state media has denied any abolition of the morality police. "In reality morality police have been inactive since protests started, but there is no substantive news on their future." "This disinfo was propagated today to distract media attention from the 3 days of major protests in Iran which begin tomo.

☆ Read the memo Slack CEO Stewart Butterfield wrote to staff announcing his departure from Salesforce
▼ + stars: | 2022-12-05 | by ( Ellen Thomas | ) www.businessinsider.com time to read: +4 min

Slack CEO Stewart Butterfield announced Monday that he's leaving Salesforce, Slack's corporate owner. The news comes days after Salesforce announced its CEO Bret Taylor is also stepping down. Slack CEO Stewart Butterfield announced Monday morning that he is leaving Salesforce in January, according to an announcement Butterfield posted to a company Slack channel that was viewed by Insider. Slack will have a new CEO: Lidiane Jones. He's going to keep the bar high, and then keep pushing it higher.

☆ The Fed can’t stop raising interest rates due to these 4 factors, Jim Cramer says
▼ + stars: | 2022-12-05 | by ( Krystal Hur | ) www.cnbc.com time to read: +1 min

CNBC's Jim Cramer on Monday listed four reasons why the Federal Reserve can't stop tightening the economy just yet. That makes it more difficult for the Fed to stamp out wage inflation. The abundance of these workers means the enterprise software industry is "bloated" and more layoffs are likely coming. "This market's hostage to the Federal Reserve, and the Fed's not going to stop tightening until they see more evidence of real economic pain. Cramer attributed the market's volatility to how difficult it is to predict how the central bank will continue its fight against inflation.

☆ The types of rental properties and regions set to outperform, according to a research strategist who supports a $15 billion portfolio
▼ + stars: | 2022-12-04 | by ( Laila Maidan | ) www.businessinsider.com time to read: +6 min

Regardless of what traditional economic indicators are pointing to, there are certain real estate sectors that are set to outperform. The firm, which has $15 billion in assets, offers an investment vehicle called the Bluerock Total Income+ Real Estate Fund, which allows individuals to invest in institutional private equity real estate (iPERE) securities alongside large endowments and pension plans. A commonly used metric is called a capitalization rate or a cap rate for short. The cap rate is determined by the NOI divided by a property's valuation and expressed as a percentage. Another way to gain exposure to the sector is through real estate investment trusts (REITs) on the public stock market.

☆ In Big Tech, getting laid off can mean taking a fancy vacation
▼ + stars: | 2022-12-01 | by ( Kali Hays | ) www.businessinsider.com time to read: +4 min

Typically in the US, workers receive little to no severance pay as it is not required under federal labor law. When companies do offer it, frequently severance pay is just one to two weeks of pay for every year a person has worked. One laid off worker there was on his way to Japan for vacation when he got the news he was laid off. Other workers tech who have been laid off feel similarly. Another former Twitter worker said colleagues are organizing "all kinds of trips" among those looking to travel.

☆ DoorDash to lay off 1,250 corporate employees
▼ + stars: | 2022-11-30 | by ( Catherine Thorbecke | ) edition.cnn.com time to read: +1 min

CNN —DoorDash on Wednesday said it will lay off about 1,250 corporate employees after growing its team too quickly during the pandemic, making it the latest tech company to cut staff in recent weeks. Like other tech companies, DoorDash experienced a pandemic boom as more consumers embraced online deliveries and shied away from stores and restaurants amid the health crisis. In his memo, Xu nodded to the shifting economic climate. “We too are not immune to the external challenges and growth has tapered vs our pandemic growth rates,” he wrote. Shares of DoorDash are down more than 60% so far this year.

☆ The 4 most important steps I took to build a multimillion dollar business on my own in two years
▼ + stars: | 2022-11-29 | by ( Luisa Zhou | ) www.businessinsider.com time to read: +4 min

So when I decided to start a business with the goal of ultimately leaving my job, I made myself a promise: I was going to make it count. Within less than a year, I'd built my business to over a million dollars in sales and have since continued to grow my business year over year. Here are the four most important steps I took to make it happen. My first online business was doing digital advertising consulting for business owners using skills from my job. Through asking small business owners where they spent their time online, I realized that my potential clients were in Facebook groups.

☆ A mom of 3 quit her toxic job to be a reseller on Poshmark. She loves it but warns it's a '24/7' commitment.
▼ + stars: | 2022-11-27 | by ( Jacob Zinkula | ) www.businessinsider.com time to read: +6 min

The 48-year-old New Yorker now works full time selling clothes, shoes, and bags exclusively through the reseller platform Poshmark. She say that she "loves" what she does and that the decision to leave her former employer "forever changed" her life. She says the work of shopping, sanitizing, photographing, listing, packaging, and shipping could make it feel like a "24/7 job." She does everything by herself and says she typically works at least 12-hour days, shipping items every day except Sunday. Finally, Murray says that while one doesn't necessarily have to quit their job to be successful on Poshmark, they do have to "go full time mentally."

☆ I just raised $32 million for my startup in a tight market. Here's how I nailed my pitch.
▼ + stars: | 2022-11-26 | by ( Tom Sagi | ) www.businessinsider.com time to read: +10 min

Sagi shares how to pitch to the right investors, map out profitability, and network the right way. We needed to show completely different metrics and think about our investors, customers, and partners in a new way. If you do have a strong customer base, show projections of how many new customers you'll reach — and how much revenue they'll bring in. Pitch to the right investorsMaybe you know this in your gut already — but picking the right investors to pursue can make all the difference. That way, you can choose the right investors who are in it for the long haul.

☆ Office space is tougher than ever to rent out. See the pitch deck that raised $15 million to help landlords compete for demanding tenants.
▼ + stars: | 2022-11-26 | by ( Alex Nicoll | ) www.businessinsider.com time to read: +3 min

WiredScore certifies buildings' tech capabilities, like LEED does with environmental ratings. WiredScore CEO Arie Barendrecht walked Insider through the pitch deck he used to raise $15 million. In a world of remote work, potential office tenants have become pickier about their spaces. Generally speaking, prospective office tenants have little insight into what their office WiFi will look like. The company now also certifies technology in apartment buildings, the office of the remote worker.

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