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☆ A 33-year-old self-made millionaire shares the 2-part 'financial freedom road map' that helped him build wealth
▼ + stars: | 2024-10-12 | by ( Kathleen Elkins | ) www.businessinsider.com time to read: +8 min

Erik Smolinski shares the 'road map' he used to build wealth and achieve financial independence. He also provides steps anyone can take to build wealth, starting with opening a brokerage account. Part 1: Understand 3 'wealth levers'According to Smolinski, there are three "wealth levers" that you have to use in order to build wealth. Next, link your bank account to your brokerage account and initiate your first transfer. Over time, you'll learn to live without the chunk of money you're setting aside for your future.

Persons: Erik Smolinski, —, Smolinski, that's, you've, I'm Organizations: Service, Marine Corps

☆ I'm a wedding planner. Here are answers to 7 questions guests are often too embarrassed to ask.
▼ + stars: | 2024-10-11 | by ( Elisabeth Kramer | ) www.businessinsider.com time to read: +7 min

As a wedding planner, I've heard my fair share of questions some guests feel embarrassed to ask. If you already gave the couple a wedding gift, you don't need to bring another to the event. Here are answers to common ones I find wedding guests are too embarrassed to ask. AdvertisementCan I wear white to a wedding if I'm not the one getting married? You can wear white to a wedding, but it may not be worth it.

Persons: I've, —, it's, you've, Ale_Koziura, I'm, Solange, Alan Ferguson's Organizations: Service

☆ 2 simple diet tips helped a 41-year-old office worker transform his body in the gym
▼ + stars: | 2024-10-11 | by ( ) www.businessinsider.com time to read: +5 min

A UK man transformed his physique by following a calorie deficit and protein goal. To get enough daily protein, he started eating more fish and eggs and snacking on chickpeas. AdvertisementA 41-year-old man said learning two simple diet tips helped him build a more muscular, lean physique in less than a year. A protein goal helps fuel muscle growth and stave off cravingsKnebeg's other major daily goal is to eat around 142 grams of protein. AdvertisementKnebeg rounds out his diet with protein supplements for convenience when he needs a quick, lower-calorie boost to meet his goal.

Persons: —, Alec Knebeg, he's, Adam Enaz, Knebeg, I'd, Enaz Organizations: Service, International Society of Sports Nutrition Locations: London

☆ The No. 1 tip for landing a job offer in today's tough job market, says HR expert of 20 years
▼ + stars: | 2024-10-10 | by ( Jennifer Liu | ) www.cnbc.com time to read: +2 min

Today's job market seems to be taking a turn for the better, but it's still not as strong for candidates as it has been in recent years. But it's not impossible, says Tessa White, a career coach with 20 years of HR experience and founder of The Job Doctor. Negotiating a job offer successfully comes down to one thing, she says: Job-seekers "better be crystal clear on their value proposition." But this can limit your value proposition and later negotiations because "your leverage is in your outcomes," White says. Tessa White HR expert

Persons: it's, Tessa White, White

☆ I bought a home in Florida for $540,000 and Hurricane Milton is tearing through our neighborhood. We don't have flood insurance, and I know I'm not sleeping tonight.
▼ + stars: | 2024-10-10 | by ( Aditi Bharade | ) www.businessinsider.com time to read: +3 min

As Hurricane Milton tears through their neighborhood, she's now hunkering down in her new home. Schwartz said she could not sleep with the strong wind and trees falling over on her street. I don't know if something's slammed into the door or the side of the house. I'm shocked that we haven't because many friends and family members say they don't have power. AdvertisementAnd I know I'm not sleeping tonight.

Persons: Natalie Schwartz, Milton, Schwartz, —, I've, something's, Helene Organizations: Service, Hurricane Locations: Wesley Chapel , Florida, she's, Tampa's, Hurricane Milton

☆ Dell's sudden 5-day return-to-office order leaves parents scrambling to find childcare
▼ + stars: | 2024-10-09 | by ( Polly Thompson | ) www.businessinsider.com time to read: +7 min

Attendance was tracked, but the system was flexible in practice, and many ended up leaving at lunchtime, Dell workers told Business Insider. Some parents and other caregivers on the sales team told BI that the lack of notice sparked panic. Two other parents at Dell told BI they were facing the same issue finding day care. Workers told BI that Dell's Round Rock HQ has been busy since the company introduced a 5-day RTO for the sales team. Brandon Bell / GettyTwo parents from the sales team told BI that managers were trying to be lenient where they could.

Persons: Dell, they've, —, they'd, Bill Scannell, John Byrne, Scannell, Byrne, Michael Dell, Brandon Bell, Nick Bloom, wouldn't, Johnny C, Taylor, it's Organizations: Dell, Business, Service, Global, BI, Workers, Stanford, Society for Human Resource Management

☆ You can, and should, negotiate for more than just salary—here are the easiest asks to bump up your comp package
▼ + stars: | 2024-10-09 | by ( Jennifer Liu | ) www.cnbc.com time to read: +4 min

There are few things as stressful — and consequential to your future earnings — as negotiating the salary of a new job. Even fewer people, then, may think about negotiating aspects of a compensation package beyond the base salary on offer. Here are the best things to negotiate in a job offer, beyond salary, for an easier "yes" from HR. "If you can negotiate a higher title now, then when you leave, it's worth more on the job market — your resume is worth more," she says. What is the job title above this, and what's required for that?"

Persons: We're, Tessa White, White, you'll, I'm, she's

☆ Tim Tully taught himself to code at age 6 and still codes daily. Here's how computer science took him from startups to AI investing at Menlo Ventures.
▼ + stars: | 2024-10-07 | by ( Samantha Stokes | ) www.businessinsider.com time to read: +7 min

He joined VC firm Menlo Ventures in 2021 and has invested in generative AI startups like Pinecone. Using his technical expertise as a former programmer and CTO, Tully is helping amass an impressive portfolio of AI startups at Menlo Ventures. He's also written code as a way to help win over startups in the broader Menlo Ventures portfolio. That helped seal the deal, and Ionita led Orb's $14 million Series A funding round. While Menlo has been bolstering its portfolio with AI infrastructure startups, Tully said he's excited these days about opportunities at the application layer.

Persons: Tim Tully, —, Tully's, Tully, He's, Warby Parker, Roku, Uber, Jess Lee, I've, Naomi Pilosof Ionita, Ionita, he's, legaltech –, Eve Organizations: Yahoo, Menlo Ventures, Service, Venture, Apple, Menlo, Bay Area, Data Systems, Oracle, AOL, Huffington, Sequoia Locations: Bay, Splunk, –

☆ We spent over $12,000 replacing our carpets with vinyl-plank flooring. It looks nice, but I regret it every day.
▼ + stars: | 2024-10-07 | by ( Lauren Salles Gumpert | ) www.businessinsider.com time to read: +5 min

We thought replacing our carpets with vinyl-plank flooring would be pretty easy and cost $6,000. We consulted specialists at a home-improvement chain, got measurements and estimates, and chose our luxury vinyl-plank flooring. Lauren Salles GumpertThis project wasn't done once our vinyl-plank flooring was put down. AdvertisementAlso, the vinyl flooring keeps our downstairs much cooler than our carpeted upstairs, where our bedrooms are. And if I'm being honest, my young kids would've preferred the soft carpet to the harder vinyl floors, which I now cover with rugs, anyway.

Persons: we'd, —, that's, Lauren Salles Gumpert, we've, it's, would've Organizations: Service

☆ I was struggling to figure out what I wanted in life. Going on my first cruise helped.
▼ + stars: | 2024-10-04 | by ( Laura Gio Carroll | ) www.businessinsider.com time to read: +6 min

Carroll had little interest in cruises, but a writing retreat aboard the Queen Mary 2 intrigued her. The solo travel part wasn't out of character — I'd spent most of my 20s backpacking alone. It was this writing retreat — with its promise of expert instruction plus time to focus — that enticed me to get on board a ship. I was hoping that a writing retreat would reignite that spark. Laura Gio CarrollAs it turned out, the writing cruise went swimmingly (despite my never once going swimming while aboard).

Persons: Laura Gio Carroll, Carroll, Queen Mary, she's, —, — I'd, I'd, wouldn't, I've Organizations: Service, Netflix Locations: Cruises

☆ A millennial woman says there are benefits to returning to the office, but it hasn't made her more productive
▼ + stars: | 2024-10-02 | by ( Samantha Grindell | ) www.businessinsider.com time to read: +6 min

Advertisement"I knew it was coming," Joy-Ann told BI. She told BI there's a lot to like about being back in a more traditional work environment, but it hasn't made her a more productive employee. Because she works in the office, Joy-Ann said it feels easier to step away from her desk. AdvertisementThat in-person connection can benefit people's careers, as Hannes Schwandt, an associate professor of Human Development and Social Policy, previously told BI. She hasn't seen a productivity boost — yetDespite the benefits, Joy-Ann told BI that working in the office has not made her more productive at her job — at least not yet.

Persons: Ann, —, Joy, hasn't, she's, Hannes Schwandt, Ann said, Ann doesn't, It's Organizations: Service, Amazon, JPMorgan, Apple, Disney, Human, Social Locations: New Jersey, New York City

☆ Entering my 30s, I still had no skincare routine. Doing these 7 things faded my forehead lines and dark spots.
▼ + stars: | 2024-10-02 | by ( Julia Pugachevsky | ) www.businessinsider.com time to read: +7 min

At 31, I still didn't have a real skincare routine and didn't even wear daily sunscreen. I had forehead lines, oily skin, and dark spots from acne that made me self-conscious. AdvertisementAt 31, I had no skincare routine. I was self-conscious about my forehead lines and post-acne dark spots, yet overwhelmed by 12-step nighttime regimens. I found a sunscreen I love putting onEltaMD UV Clear sunscreen with no makeup (left) and with makeup (right).

Persons: —, Julia Pugachevsky, I've Organizations: Service Locations: TikTok

☆ I'm a CEO and the breadwinner for my family. My husband decided to leave his high-stress job to care for our daughter.
▼ + stars: | 2024-09-30 | by ( Lauren Crosmedlicott | ) www.businessinsider.com time to read: +4 min

I primarily worked from home, so managed to continue working while taking care of her. So for the first three years of her life, we tag-teamed taking care of Isabella. Related storiesChatting with my husband, we decided that one of us would need to stay home to take care of Isabella. He loved taking care of herWhile some might expect that it felt like a sacrifice for my husband to give up work, he found it a relief. I take care of the financial side, and my husband takes care of the house and Isabella.

Persons: Brenda Christensen, Isabella, Brenda, —, cybersecurity Organizations: Stellar Public, Service

☆ I'm a Californian who moved to Texas for a shot at the American dream. I moved back after 2 ½ years, but I miss Texas.
▼ + stars: | 2024-09-28 | by ( Erin Snodgrass | ) www.businessinsider.com time to read: +6 min

Kimberly Wilkerson is a lifelong Californian who moved to Austin in 2022. AdvertisementThis as-told-to essay is based on a conversation with Kimberly Wilkerson, a 46-year-old self-published author and entrepreneur who moved from Oakley, California, to Austin in 2022. Kimberly Wilkerson and her son moved to Austin, Texas in 2022. Austin, Texas. I'm waiting for the next right thing, which ideally would be if I'm getting married.

Persons: Kimberly Wilkerson, Wilkerson, —, Austin, Peter Tsai, It's Organizations: Service, Texans, California . Locations: Austin, Texas, California, Oakley , California, Northern California, East, I'm, Austin , Texas, California . Austin , Texas

☆ Shailene Woodley on Her Movie & TV Roles: 'Divergent,' 'Secret Life,' 'Big Little Lies'
▼ + stars: | 2024-09-27 | by ( Olivia Singh | ) www.businessinsider.com time to read: +13 min

AdvertisementOn her brief stint on 'The OC' and the biggest takeaway from her breakout role on 'The Secret Life of the American Teenager'Daren Kagasoff and Shailene Woodley in "The Secret Life of the American Teenager." It wasn't until I was a little bit older that I was like, "Oh, damn, that was a pretty big deal. Another movie that's a touchstone of your career is the "Divergent" series. AdvertisementThe final movie in that franchise never materialized and there were different stages of development of a TV movie and spinoff series. AdvertisementYou've said before that you were interested in coming back as Jane in a potential third season of "Big Little Lies."

Persons: Shailene Woodley, who's, Gia, Lisa Taddeo's, Taddeo, Woodley, it's, Zoom, Lisa, George Clooney, Andrew Garfield, she'd, Tris, Randy Holmes, Mischa Barton's, Kaitlin Cooper, Ben McKenzie, You've, —, I've, George Clooney's, Clooney, Gareth Cattermole, George, he's George Clooney, Molly Ringwald, Ashley Judd, Kate Winslet, It's, Alexander, Payne, didn't, Mary Jane Watson, hasn't, Mary Jane, Andrew, Garfield, I'm, Abrams, Jane, Reese, Nicole Organizations: Woodley, Business, American, Disney, Entertainment, Getty, BFI, Bobby Bank, Rey, Starz Locations: America, Star

☆ I tried 6 different brands of syrup from the grocery store. It's worth paying a little extra for the big names.
▼ + stars: | 2024-09-26 | by ( Paige Bennett | ) www.businessinsider.com time to read: +1 min

I tried store-bought pancake syrup from six brands to see which provided the best taste and value. download the app Email address Sign up By clicking “Sign Up”, you accept our Terms of Service and Privacy Policy . AdvertisementI've never given much thought to the different varieties of pancake syrup at the grocery store — I typically grab whatever's on sale. For baking, I only use real maple syrup made without high-fructose corn syrup or corn syrup. But pancake syrup definitely has its place on the breakfast table.

Persons: —, I've Organizations: Pearl Milling Company, Service, Business

☆ Ellen DeGeneres admits she was an 'immature boss' after talk-show controversy led to her fall from grace
▼ + stars: | 2024-09-25 | by ( Palmer Haasch | ) www.businessinsider.com time to read: +6 min

Read previewEllen DeGeneres took the stage for what she says is her final comedy special in "Ellen DeGeneres: For Your Approval," an hour-long Netflix special that dives into the comedian's fall from grace. First, beauty YouTuber Nikkie de Jager spoke about her negative appearance as a guest on "The Ellen DeGeneres Show." In July of that year, a BuzzFeed News report was published containing allegations from former employees of a toxic work culture on DeGeneres' talk show. Ultimately, DeGeneres said, her "be kind" mantra on "The Ellen DeGeneres Show" put her in a box. "Ellen DeGeneres: For Your Approval" is now streaming on Netflix.

Persons: —, Ellen DeGeneres, DeGeneres, Nikkie de Jager, Dory, Wilson Webb, Netflix DeGeneres, Ellen, I've Organizations: Service, Netflix, Business Locations: America

☆ If you think you're doing your laundry right, you're wrong. Here are 5 mistakes to avoid.
▼ + stars: | 2024-09-22 | by ( Lauren Crosmedlicott | ) www.businessinsider.com time to read: +6 min

AdvertisementWater temperature is too hotA lot of people think hot water should be the default go-to temperature. While hot water is going to give you the best clean, using it often isn't necessary or good for your laundry. I like to think of hot water washes as calling in the power washer — it's for when something is really stained, dirty, or smelly. But there are ways to get an extra good clean without always using hot water. Plus, you reduce your energy usage by 90% when you stop using hot water to clean clothes.

Persons: —, Zachary Pozniak, It's Organizations: Service, Business

☆ I moved to Bali and turned my life into a 'workcation.' There are struggles, but every day feels like a beach day now.
▼ + stars: | 2024-09-22 | by ( Kaila Yu | ) www.businessinsider.com time to read: +6 min

We stayed for 10 months and fell in love with the place for its optimal work-life balance and gorgeous weather. My current job understands my remote work lifestyle and allows me to work from anywhere. AdvertisementI miss being close to my family, but I don't miss MelbourneI don't miss Melbourne much, except for being close to family and friends. However, remote work in digital marketing has allowed me to turn my life into a workcation. I've found a way to balance work and leisure, making every day feel like a beach day.

Persons: —, Eliot Davenport, It's, I've, OnlyFans influencers, Manseen Logan Organizations: Service, Business, Bali, pats, Melbourne Locations: Melbourne, Australia, Guatemala, Peru, Colombia, Brazil, South Africa, Spain, Albania, United States, Croatia, Bali, Menjangan, West Bali, Amed, North, America, Orange County, Savannah , Georgia, mlogan

☆ I'm a working mom while my husband stays home. I've dealt with FOMO and he's felt inadequate, but our family is stronger for it.
▼ + stars: | 2024-09-21 | by ( Robin Madell | ) www.businessinsider.com time to read: +10 min

I work a full-time 9-to-5 job as a project manager and also run an e-commerce business on the side. Related storiesBalancing a full-time job, an e-commerce business, and family life is challengingI feel accomplished because I'm able to support my family through multiple income streams, which add up to over six figures. When the company where I work full-time went through a round of layoffs last year, I was extremely anxious about potentially losing our main source of income. This stress led to me being distracted during family time and occasionally snapping at my husband over minor issues. Last holiday season, I was swamped with a major project deadline at my full-time job at the same time I had a spike in online sales.

Persons: —, Michaelle Barbor, It's, I've, We've, I'm, Michaelle, She'd, we've, He'd, Jane Zhang Organizations: Service, Business, Facebook Locations: King , North Carolina

☆ Everything to know about Adam Pearson, Sebastian Stan's scene-stealing costar in the A24 thriller 'A Different Man'
▼ + stars: | 2024-09-20 | by ( Olivia Singh | ) www.businessinsider.com time to read: +5 min

Read previewA24's latest dark thriller "A Different Man" is a twisted exploration of the inner and outer self, featuring a standout performance from British actor Adam Pearson. As of 2024, Adam told People magazine that he's undergone 39 procedures to remove his excess tumors that continuously grow back. "I go into everything with a clear head and a full heart," Pearson told People in a recent interview. AdvertisementPearson's role in 'A Different Man' was written for himPearson as Oswald in "A Different Man." Schimberg also said that he wouldn't have considered making "A Different Man" if Pearson passed on the role.

Persons: —, Adam Pearson, Sebastian Stan, Edward, Guy, Oswald, Pearson, LOU BENOIST, Neil Pearson, Adam, Neil, he's, Jonathan Glazer's, Scarlett Johansson, Aaron Schimberg's, Matt Infante, Schimberg, I've, wouldn't, doesn't, Aaron, It's Organizations: Service, Business, Deauville American Film Festival, Getty, The Observer, University of Brighton, Pearson Twins Locations: British, Hollywood

Business Insider's personal finance team compared Navy Federal Credit Union personal loans to the best personal loan companies and found it to a standard offering. Navy Federal Credit Union (NFCU) is a credit union that serves the military community and their families. Navy Federal Personal Loan Credit RequirementsNavy Federal doesn't make its minimum credit score to be eligible for a personal loan public — though in general, a higher credit score will secure you a lower rate. Navy Federal Personal Loan AlternativesNavy Federal Personal Loans vs. PenFed Personal LoansWith a range of 8.99% to 18.00%, offers a minimum loan amount than what you can get with PenFed, which as a range of 8.99% to 17.99%. Navy Federal Personal Loan FAQsWhat credit score do I need for an NFCU personal loan?

Persons: Fiona Insider’s, you'll, ber, you've, Foster, I'm, Ryan Wangman, Read, Elias Shaya, Elias, Potters Rebecca Potters, Rebecca Organizations: Navy Federal Credit, Navy Federal Credit Union, Federal Credit Union, Navy Federal, Department of Defense, Navy, Federal, National Guard, Social, Loan, Foster Care, Better, BBB, Chevron, DoD, Finance, Northwestern University, Boston Globe, Business, Banking Savings, McGill University Locations: creditworthiness, Alliant, Chevron, New York City

☆ A shooting near my son's daycare center prompted us to move from California to Japan. I feel safer here.
▼ + stars: | 2024-09-18 | by ( Erin Liam | ) www.businessinsider.com time to read: +6 min

A shooting near my son's school in Los Angeles escalated our plans. In 2019, when my son was 2, a shooting took place at a shopping mall near his daycare center. In Japan, my son attends an international school because he's not yet fluent in Japanese. I knew people working two or three jobs, and they drove fast to get from place to place and fill their time with activities. We plan to stay in Japan until my kids finish high school, as I want them to have a stable community during their school-age years.

Persons: —, Genie Doi, he's, Doi, I'm, We'll, We've, I've Organizations: Service, Business, CIA Locations: American, Osaka, Japan, Los Angeles, In California, LA, Japanese, Korean, Hawaii, California, Hong Kong, China, South Korea

☆ These Mormon influencers turned their shocking scandal into a reality TV show. It's been good for business.
▼ + stars: | 2024-09-17 | by ( Palmer Haasch | ) www.businessinsider.com time to read: +10 min

She's also the star of a hit new reality TV series. "The Secret Lives of Mormon Wives," which premiered on Sept. 6, broke streaming records for Hulu, becoming its most-watched unscripted season premiere in 2024 so far. "The exposure, it's a different level," Paul says of reality TV fame. Disney/Natalie CassSubjecting yourself to reality TV editors can be risky — but if it works, it's great for businessPrior to "Mormon Wives," Neeley already had a business of her own: Babymama, a line of natal nutrition gummies. AdvertisementEven when it's chock-full of drama, the show has already been a boon for business, Neeley says.

Persons: TikToker Taylor Frankie Paul, Tate, Olivia Rodrigo's, Dakota Mortensen, She's, Paul, wrangled, swingers, sodas, Pepper, castmate, Neeley, Mortensen, Taylor Frankie Paul, Fred Hayes, —, she's, It's, Disney, Natalie Cass, it's, she'd, Whitney Leavitt, I've, Leavitt, we're Organizations: Service, Indy, Business, Hulu, Disney Locations: TikTok, Utah, New York City, New York, Salt Lake City

I recently bought a used car, and I ended up getting gap coverage and an extended warranty. Gap insurance is crucialGap insurance is a type of car insurance that covers the difference between what you owe on your car loan or lease and the car's actual cash value in the event that your vehicle is totaled or stolen. So, for me, paying $1,060 extra for gap coverage and also checking to make sure my auto insurance coverage is sufficient is well worth it. If you're looking for the best car insurance, look no further. MaxCare provides coverage for unexpected vehicle repairs after the manufacturer's warranty has expired, protecting you from high out-of-pocket repair costs.

Persons: —, MaxCare, I'm Organizations: Service, CarMax Locations: CarMax

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