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☆ An ex-Meta employee calculated that his family of 3 needs $5.6 million to retire in San Francisco. Here's the formula he used and how he plans to hit his 'enough number.'
▼ + stars: | 2024-11-14 | by ( Kathleen Elkins | ) www.businessinsider.com time to read: +8 min

When Andre Nader got laid off, he and his wife had enough in savings that he didn't have to job search. To go from 'semi FIRE' to 'full FIRE,' he calculated his family of 3 would need $5.6 million. He and his wife were living and working full-time in tech in San Francisco, raising a toddler, and loosely planning on eventually leaving the expensive Bay Area. His "enough number" is also different — it's closer to $5.6 million, he told Business Insider. His "enough number" is constantly shifting, but here's how he came up with $5.6 million for a family of three living in San Francisco.

Persons: Andre Nader, doesn't, —, Meta, Nader, They'd, I'm, I've, outsized, he's, Roth Organizations: Service, FIRE, Affordable, UC, Social Security, Vanguard, Market, Index Fund Locations: San Francisco, Meta, California

☆ CEO reveals the worst job interview response he's ever heard: It blatantly says ‘I don’t know what the hell I’m doing'
▼ + stars: | 2024-11-13 | by ( Ashton Jackson | ) www.cnbc.com time to read: +3 min

Daniel Haarburger always asks job candidates a simple, common interview question: What does your day-to-day life look like? One candidate gave him a textbook example of the "worst response that I've ever heard," Haarburger, the CEO of Denver-based dog toy company Woof, tells CNBC Make It. That was someone blatantly saying, 'I don't know what the hell I'm doing.'" You do need to be honest during job interviews, Haarburger notes. Haarburger offers another piece of advice: No matter what you say, keep your demeanor and body language consistent throughout your interview.

Persons: Daniel Haarburger, who's, didn't, Haarburger, Tom Gimbel, DON'T, I'm, Gimbel, Matt Abrahams, Abrahams Organizations: CNBC, LaSalle Network, Stanford University Locations: Denver

☆ 5 tips to relinquish control and focus on what really matters: 'Commit to observing,' Zen Buddhist monk says
▼ + stars: | 2024-11-12 | by ( Renée Onque | ) www.cnbc.com time to read: +4 min

"There are many things in this world that we cannot control," Masuno wrote. Accepting that most things are out of our control can be tough, but there's freedom and peace in letting go, Shunmyo Masuno says. Aim to be more detached in relationshipsKeep in mind that there is a very fine line between being attentive and being meddlesome, Masuno wrote. Try not to worry about every little thingSometimes it's in your best interest to be more skilled at forgetting, Masuno wrote. "Don't leave your eyes and ears open all the time," Masuno wrote.

Persons: Masuno, Shunmyo Masuno, it's, You'll, John F, Kennedy, you'll Organizations: CNBC

☆ 4 red flags to look out for when choosing a financial advisor—and one green flag
▼ + stars: | 2024-11-11 | by ( Judy Lagrou | In Judylagrou | ) www.cnbc.com time to read: +5 min

Here are four red flags to look for when choosing a financial professional, plus one green flag that an advisor could be a good fit, according to certified financial planners and advisors from across the U.S.Red flag No. 1: The financial advisor does most of the talkingIf a potential financial planner is doing most of the talking without letting you get a word in edgewise, it's a bad sign. Financial advisors who are also registered as investment advisors will have a public disclosure record with the SEC as well. In addition, you will also want to make sure that your financial advisor is certified in the way they claim. 4: You don't trust themOne red flag can't be found on a list or spreadsheet: lack of trust.

Persons: Carla Adams, Adams, Sean Williams, they've, Marisa Rothstein, Rothstein, Ashton Lawrence Organizations: U.S ., Ametrine, Cadence Wealth Partners, Industry, Authority, SEC, Siena Private, Mariner Wealth Advisors Locations: U.S, Michigan, North Carolina, Avon , Connecticut, South Carolina

☆ A residential cruise ship has a 4-year, round-the-world voyage to 'escape' politics
▼ + stars: | 2024-11-09 | by ( Katherine Tangalakis-Lippert | ) www.businessinsider.com time to read: +3 min

A residential cruise line offers a four-year voyage for passengers seeking an extra-long vacation. The Odyssey set sail in September after delays left it docked in Belfast for months. The residential cruise line on Thursday announced new "Skip Forward" packages for passengers to set sail aboard the Villa Vie Odyssey for as long as four years. The Odyssey first set sail in September after being docked in Belfast, Ireland, for four months due to delays. Other passengers aboard the ship have said they are "very impressed" with the vessel despite the setbacks.

Persons: —, Donald Trump Organizations: Service, Residences, Business Locations: Belfast, United States, Canada, Ireland

☆ OpenAI's splashy purchase of a 4-letter domain name is a smart play, brand pros say
▼ + stars: | 2024-11-08 | by ( Jaures Yip | ) www.businessinsider.com time to read: +4 min

OpenAI acquired the URL "chat.com," which now redirects to ChatGPT. Analysts say the move strengthens OpenAI's global reach and consumer product positioning. AdvertisementOpenAI's splashy acquisition of a four-letter domain name is a smart strategic play, branding experts told Business Insider. BREAKING NEWS: Secret acquirer of $15+ million domain chat .com revealed and it's exactly who you'd think. "Strategy-wise, I think that for ChatGPT and OpenAI, purchasing a domain like this marks its shift toward a very global audience."

Persons: OpenAI, Dharmesh Shah, —, Sam Altman, Shah, it's, Margarita Polishchuk, Gil Luria, Davidson, Nicole Ferry, ChatGPT, Polishchuk Organizations: Service, HubSpot, Business, Amazon, Google, D.A, Sullivan NYC Locations: OpenAI, Clay

☆ OpenAI's splashy purchase of a 4-letter domain name is a smart play
▼ + stars: | 2024-11-08 | by ( Jaures Yip | ) www.businessinsider.com time to read: +4 min

Analysts say the move strengthens OpenAI's global reach and consumer product positioning. AdvertisementOpenAI's splashy acquisition of a four-letter domain name is a smart strategic play, branding experts told Business Insider. The domain was previously owned by HubSpot founder and CTO Dharmesh Shah, who confirmed that he sold the domain to OpenAI after buying it in 2023. BREAKING NEWS: Secret acquirer of $15+ million domain chat .com revealed and it's exactly who you'd think. "Strategy-wise, I think that for ChatGPT and OpenAI, purchasing a domain like this marks its shift toward a very global audience."

☆ How to know when to ask for a raise: 'Your salary is not top of mind to anyone else,' says expert
▼ + stars: | 2024-11-07 | by ( Gili Malinsky | ) www.cnbc.com time to read: +2 min

Many workers didn't get a raise at their job in the last few years. "So you do have to raise the conversation so that your manager knows it's something that you are prioritizing." Have 'what do I need to do' conversations oftenTo begin with, before you even bring up your ask, you'll have to get a sense of how you're doing. "It's hard to ask for a raise when you don't have anything quantifiable to demonstrate that you deserve it," says Darrisaw. All of that will help you both know and make the case for why you deserve more money.

Persons: didn't, That's, Angelina Darrisaw, It's Organizations: Living Coalition

The Pixel 9 Pro and Pixel 9 Pro XL are enhanced versions of the excellent Pixel 9. The new camera oval on the Pixel 9 Pro phones juts out more than the rear cameras of previous Pixel phones. The Pixel 9 Pro XL (left) has a 6.8-inch display, while the Pixel 9 Pro (right) has a 6.3-inch display. The Pixel 9 Pro XL, with a 6.8-inch display, is a no-brainer for anyone who prefers larger Google Pixel phones or larger Android phones. See our guides to the best Pixel 9 Pro XL cases and best Pixel 9 Pro cases for extra protection.

Persons: Google's, Antonio Villas, Rose, Hazel, it's, Villas, VRR, I'd, I'm, Max, ultrawide, you've, Gemini, It's, you'd Organizations: Business, Google, Pro XL, Amazon, Verizon, XL, Gemini, Boas, Apple, Samsung, Qualcomm, Samsung Galaxy, Galaxy

☆ I'm a divorce attorney for the rich and famous. Here are the biggest mistakes I've seen clients make.
▼ + stars: | 2024-11-06 | by ( Tess Martinelli | ) www.businessinsider.com time to read: +5 min

Kristina Royce, a divorce attorney, says marriage should be treated like a business transaction. I've been a matrimonial lawyer for 23 years, representing high-net-worth individuals, including celebrities and entrepreneurs, who are navigating marriage or divorce. I help my clients navigate this process as smoothly as possible during the divorce, but their most impactful divorce decisions were made before they even got married. AdvertisementBefore marriage: create financial intimacyI believe a successful marriage requires three types of intimacy: sexual, emotional, and financial. Speaking to a divorce lawyer can help break down the communication barrier and ensure each person is educated about their rights and what they own.

Persons: Kristina Royce, Royce, —, It's, I've, doesn't, Tess Martinelli Organizations: Service Locations: Los Angeles, tmartinelli

☆ 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

☆ I've been on 4 ultra-luxury cruises — here's how they compare and how to pick the best ship for you
▼ + stars: | 2024-11-05 | by ( Brittany Chang | ) www.businessinsider.com time to read: +9 min

I've been on the ships of their four high-end counterparts: Silversea, Regent Seven Seas, Seabourn, and Explora. AdvertisementSilversea's Silver Ray: A modern resort with local cuisinesIn June, Silversea invited me to spend five complimentary nights on its newest 54,700-ton ship, Silver Ray. It launched its newest ship, Silver Ray, in June. Brittany Chang/Business InsiderSilversea's SALT — "sea land and taste" — program brings the itinerary's regional cuisines into the cruising experience. Related storiesRegent Seven Seas' Seven Seas Grandeur: Classic luxuryRegent Seven Seas invited me on a three-night "christening sailing" for its one-year-old Seven Seas Grandeur.

Persons: I've, —, Ray, Silversea, Silver Ray, Brittany Chang, It's, toiletries, Explora, it's, Dyson, Seabourn Organizations: Royal, MSC, Regent Seven, Service, Industry, Business, butlers, Seven Seas, Regent Seven Seas, Cruise Line Holdings, Rim, Central America, MSC Group, Rolex Locations: Seabourn, Royal Caribbean, South America, Caribbean, Callao, Peru, Valparaiso, Chile, Brittany, Europe, Miami, Mexico, Central, Alaska, Asia, Australia, New Zealand, Canadian

☆ Crypto's $245 million campaign finance operation filled airwaves with ads not about crypto
▼ + stars: | 2024-11-05 | by ( Mackenzie Sigalos | ) www.cnbc.com time to read: +2 min

Stand With Crypto's bus tour through five battleground states kicked off last week in Phoenix and Las Vegas. LAS VEGAS — In Nevada's 4th Congressional District, a crypto PAC spent nearly $2 million on ads this cycle to support the reelection of Steven Horsford, a Democratic congressman who's voted in favor of some major pro-crypto bills. "He's leading on jobs, bringing good paying union jobs to Nevada and rebuilding our infrastructure," one 30-second commercial says. "He capped insulin prices at $35 a month," and "worked multiple jobs to support his hard working single mother and siblings in Congress." Fairshake was the largest crypto-aligned super PAC in the 2024 election cycle, spending piles of cash to support crypto allies and vote out antagonists across the country.

Persons: Steven Horsford, who's, Fairshake, Crypto, Elon Musk, Donald Trump, Kamala Harris, Coinbase Organizations: LAS, Congressional, PAC, Democratic, Public, Elon, Republican, Industry, Crypto Alliance, House Locations: Phoenix, Las Vegas, Nevada

☆ I want to lose weight but maintain my muscle. A dietitian said to eat more carbs, and keep prioritizing whole foods, protein, and plants.
▼ + stars: | 2024-11-05 | by ( Rachel Hosie | ) www.businessinsider.com time to read: +5 min

A dietitian said that measuring foods for a brief period help with knowing how many calories to eat. She said that her goals are to lose fat and maintain muscle. AdvertisementMockler said she loves that Silvia is prioritizing mostly whole foods, protein, and lots of plants. "She focuses a lot on protein, which is fantastic for both fat loss (keeps you full) and maintaining muscle (protein helps build muscle)," Mockler said. "She didn't mention how much protein she eats, but generally 1.6 to 2.2 grams per kilogram of body weight is a safe range for active individuals looking to build or maintain muscle."

Persons: —, Silvia, Kara Mockler, Mockler, seltzer, Silvia isn't, carbs Silvia, carbs, needn't Organizations: BI's Nutrition Clinic, Service, Insider's Nutrition Clinic Locations: carbs, Cava

☆ 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

☆ I went to Big Sky — the luxurious ski destination that's giving Aspen a run for its money
▼ + stars: | 2024-11-04 | by ( Noah Lederman | ) www.businessinsider.com time to read: +6 min

The Big Sky ski area is still expanding, with more impressive enhancements on the way. Today, however, Big Sky is giving Aspen a run for its money — it's now the third-largest ski area in America. Trams are rare at American ski resorts — there are only 12 in operation across the country, setting Big Sky apart. Big Sky is giving the likes of Aspen a run for its moneyBig Sky has innovative lifts, luxury resorts, and plenty of fine dining. As such, Big Sky may just become the place where the rich and famous choose to play in the winter.

Persons: —, — it's, Bill Gates, Tom Brady, Dan Tosch, résistance, carpaccio, James Beard, Bartenders, cowgirls, we're Organizations: Aspen, Service, Sky, People, Yellowstone Club, Big Sky, Aspen —, — Locations: Big Sky , Montana, Rocky, Aspen , Colorado, America, New York, Montana, Aspen, Dan Tosch Aspen , Colorado

☆ I tried 13 of Trader Joe's specialty raviolis and ranked them from worst to best
▼ + stars: | 2024-11-04 | by ( Savanna Swain-Wilson | ) www.businessinsider.com time to read: +19 min

I reviewed all of Trader Joe's refrigerated ravioli that I could find and ranked them. So I made it my mission to try all of the refrigerated ravioli I could find at Trader Joe's and rank them from worst to best. Trader Joe's porcini-mushroom-and-truffle ravioli was packed with a rich flavor that may not be for everyoneThis ravioli even smelled like mushrooms. After trying it for the first time last year, it quickly became one of my favorite foods at Trader Joe's. WINNER: This cacio-e-pepe ravioli might be one of the best pasta products Trader Joe's has ever createdI love Trader Joe's cacio-e-pepe ravioli.

Persons: Parmigiano, pepe ravioli, Joe's, —, Wilson, you'll, Parmigiano Reggiano, Wilson Arugula, It's, it's, I'm, Boyardee, grandma, Wilson I'm, there's, ravioli, Savanna, I've, e pepe, pepe, pecorino Organizations: Service, KFC, Wilson Locations: Italy, Savanna, Joe's

☆ Montana GOP Senate candidate Tim Sheehy is still talking about his gunshot wound story in hotly-contested race
▼ + stars: | 2024-11-04 | by ( John L. Dorman | ) www.businessinsider.com time to read: +5 min

Sheehy is still addressing a gunshot wound incident that shook up the race earlier this year. The Senate race could determine whether Democrats retain their majority in the chamber. Sheehy, earlier this year, admitted to The Post that he lied to the ranger about being wounded in the national park. "They required a police report because any gunshot wound requires a police report of any kind." She asked Sheehy if there were medical records to show that he wasn't treated for a gunshot wound during his 2015 hospital visit.

Persons: Tim Sheehy, Jon Tester, Sheehy, —, Megyn Kelly, Sen, Kim Peach, Peach, Kelly, didn't, you'd, you've, Donald Trump —, they're, Tester Organizations: Montana, Senate, Service, Republican US, Navy SEAL, US Park Service, Washington Post, Colt, Post, New York Times, Democratic, Siena College, Emerson College, States, Democrats, Business Locations: Montana, Afghanistan, Afghan

☆ After working at Disney World, here are 10 things I wish people would stop doing in the parks
▼ + stars: | 2024-11-04 | by ( Hayley Hutson | ) www.businessinsider.com time to read: +6 min

I used to work at Magic Kingdom and Disney Springs at Disney World in Orlando. AdvertisementI worked at Magic Kingdom and Disney Springs during my time in the Disney College Program. With that experience, I know a trip to Disney World can be equally magical and overwhelming. Here are the things I wish people would stop doing in the parks to make everyone's time better. Stop using flash photography on dark ridesMany of the rides at Disney World, such as Space Mountain and The Many Adventures of Winnie the Pooh, are dark inside.

Persons: —, I've, stilettos, Hayley Hutson, you'll, Roberto Machado Noa, you'd, Winnie, I'm Organizations: Magic Kingdom, Disney Springs, Disney, Service, Disney College Program Locations: Orlando, Animal Kingdom, Tomorrowland, Magic Kingdom

☆ I did a remote internship while also side hustling at a national park. I worked all day but lived in a beautiful place.
▼ + stars: | 2024-11-03 | by ( Kelsey Vlamis | ) www.businessinsider.com time to read: +5 min

College student Rebecca Bergmaier worked at the Grand Canyon while managing a remote internship. Bergmaier said she'd recommend working in a national park for the summer to other college students. I was looking for something in my dream park, Yellowstone National Park, which I hadn't been to yet. I would just set up my computer and do my internship work from there. I would definitely recommend other students look into spending a summer at national park.

Persons: Rebecca Bergmaier, Bergmaier, she'd, —, You'd, I'd, There's, It's, it's Organizations: Service, Temple University, Xanterra Locations: Philadelphia, Pennsylvania, Yellowstone, Niagara, Arizona, Sedona, There's, East Coast

☆ Election next week holds big implications for stock market, especially the control of Congress
▼ + stars: | 2024-11-01 | by ( Sarah Min | ) www.cnbc.com time to read: +8 min

But the true implications for investors monitoring the election may lie in which party controls Congress, rather than who will sit in the White House. .SPX YTD mountain S & P 500 The importance of whichever party controls Congress was highlighted by Trump's recent trips outside battleground states such as New Mexico , a state that hasn't voted for a GOP presidential nominee in roughly 20 years. On the other hand, Evercore ISI's Emanuel expects a Harris victory, with a Democratic sweep of Congress, could result in the S & P 500 falling to roughly 5,700. The S & P 500 slid 1%, while the Nasdaq dipped 0.5%. Earnings season continues with about 100 S & P 500 companies confirmed to report.

Persons: Donald Trump, Kamala Harris, Trump, Nanette Abuhoff Jacobson, I'm, Abuhoff Jacobson, hasn't, Brian Burrell, Jay Hatfield, Harris, Hatfield, Evercore ISI's Julian Emanuel, Evercore ISI's Emanuel, Jerome Powell's, Ralph Lauren, Warner, Alex Harring Organizations: NBC, Congress, House, Democratic, Republican, Hartford Investments, GOP, Thornburg Investment Management, Infrastructure Capital Advisors, Senate, Wednesday, Regional Banking, Treasury, Federal Reserve, Dow Jones, Nasdaq, National, Marriott International, Diamondback Energy, Wynn Resorts, Palantir Technologies, NXP Semiconductors, PMI, PMI Services, Services PMI, Petroleum, Brands, Technology, Computer, CVS, Howmet Aerospace, Gilead Sciences, Labor, Consumer, Moderna, Molson Coors Beverage, Halliburton, Hershey Co, Warner Bros, Expedia, Akamai Technologies, Paramount Locations: New Mexico, Albuquerque, Santa Fe , New Mexico, Hartford, Albemarle, Qualcomm, Michigan

☆ My company partnered with a football club to install a permanent 5G-powered headset system for visually impaired fans
▼ + stars: | 2024-11-01 | by ( Erin Greenawald | ) www.businessinsider.com time to read: +5 min

Shared Access worked with a football club to power headsets for fans with visual impairments. It installed a private 5G network for fast connectivity and nearly instantaneous streaming. This as-told-to essay is based on a conversation with Sam Jackman, the chief development officer of Shared Access, a European company that develops mobile-connectivity solutions. We decided to install a private 5G network with an on-site core in the stadium. Ultimately, having the foundation of this private network allows so much room for creativity in terms of what you can layer on top of it.

Persons: —, Sam Jackman, GiveVision, It's, we've, I'd Organizations: Service, Crystal Palace Football Club, Selhurst, Vodafone, Crystal, Crystal Palace FC, Broadcasters Locations: European, London

☆ How much money you'd have now if you invested $1,000 in Apple 10 years ago
▼ + stars: | 2024-10-31 | by ( Cheyenne Devon | ) www.cnbc.com time to read: 1 min

Apple has promised to bring artificial intelligence powered features to a host of its devices since June. And this week, Apple users finally got a chance to try out Apple Intelligence for themselves just ahead of the company's latest quarterly earnings report. On Oct. 28, Apple publicly released a new software update that brought Apple Intelligence, the company's branded generative artificial intelligence model, to supported iPhones, iPads and Mac devices. This first iteration includes generative AI tools that can help users with a variety of tasks, such as rewriting things like texts, emails and notes, searching for certain photos by describing what they're looking for and creating video montages, according to the Oct. 28 press release.

Persons: Apple, iPhones Organizations: Apple, Apple Intelligence

☆ Here's how much money you need to make an hour to comfortably afford rent in 15 major U.S. cities
▼ + stars: | 2024-10-31 | by ( Cheyenne Devon | ) www.cnbc.com time to read: +1 min

From coast to coast, the minimum wage is falling short of how much Americans need to comfortably afford average rent prices in major cities. The federal minimum wage has sat at $7.25 for the past 15 years. Fair market rent is based on the U.S. Department of Housing and Urban Development's fair market rent standard. Under this model, around 40% of similar units in the area rent for less than the listed fair market rental price and 60% rent for more. Here's how the minimum wage in 15 large U.S. cities compares with the hourly wage you'd actually need to earn in order to comfortably afford a one-bedroom dwelling at fair market price, per Clever Real Estate's data.

Persons: it's Organizations: National Conference of State Legislatures, U.S . Department of Housing, Urban Locations: New York, U.S

☆ A chalet girl at one of the world's most luxurious ski destination shares what the winter wonderland for the wealthy is like. Take a look around.
▼ + stars: | 2024-10-31 | by ( Monica Humphries | ) www.businessinsider.com time to read: +1 min

A few winters ago, India Hogg witnessed that luxury firsthand when she spent six months working there as a chalet host. India Hogg and the five-star chalet she worked in for six months. She told Business Insider she was en route to Courchevel 1850 for a six-month job as a chalet host, also known as a chalet girl. During her free time, she was often on the slopes, exploring the luxe ski resort, and sharing her life as a chalet girl on Instagram and TikTok. Hogg's routine as a chalet girl involved more dirty toilets than shopping bags.

Persons: India Hogg, TikTok, Hogg, There's Louis Vuitton Locations: India, London, Courchevel

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