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☆ Is it time for investors to hedge for a market decline? The pros share their views and strategies
▼ + stars: | 2024-03-28 | by ( Weizhen Tan | ) www.cnbc.com time to read: +5 min

Last week, Goldman Sachs told clients they should start hedging for a market decline . Here's how Goldman suggests investors worried about a declining market can hedge their positions. Others also believe that it's time to start hedging — or at least take a more conservative stance. 'Shift into more value names' Top hedge fund manager David Neuhauser says it would depend on where investors are positioned right now. But he isn't a fan of hedging strategies like options, saying "over time you just end up with lower returns."

Persons: Goldman Sachs, Goldman, David Neuhauser, that's, Russell, Neuhauser, Brian Arcese, he's, Arcese, It's, Freddie Lait, Lait Organizations: Dow Jones Industrial, Nasdaq, CNBC Pro, Livermore Partners, London, Nvidia, Foord Asset Management, CNBC, Latitude Investment Locations: Europe, U.S

☆ A boomer couple left coastal Florida after 3 decades for rural Missouri because the Sunshine State 'is definitely not paradise anymore'
▼ + stars: | 2024-03-28 | by ( Noah Sheidlower | ) www.businessinsider.com time to read: +8 min

But after decades by the water in Florida, Meaders said Florida "is definitely not paradise anymore." Meaders wanted to be closer to her son and grandson, and the couple wanted a small-town feel. AdvertisementMany older Americans continue to flock to Florida, though some have recently told Business Insider they've had enough of the Sunshine State. Meaders and Dunne met in Brevard County after Dunne moved back. They've found the hospitality of everyone in their community much improved, noting that many people in her small Missouri city recently moved from California.

Persons: Sherry Meaders, James Michael Dunne, Meaders, they've, millennials, Missouri Meaders, Dunne, Rockledge, We're, it's, she's, They've, We've Organizations: Service, Business, Sunshine State, Bureau, Survey, Coast Guard, Bell System, Daytona, Kansas City Locations: Florida, Missouri, Virginia, Georgia, Texas, Kansas City, Rockledge, Brevard County, Cocoa Beach, Cape Canaveral, Chicago, Pacific, Alaska, Fort Lauderdale, Orlando, Volusia County, Daytona Beach, Africa, Miami, America, Kansas, In Florida, California

☆ Two brains: One visualizes too much, the other not at all
▼ + stars: | 2024-03-27 | by ( Sandee Lamotte | ) edition.cnn.com time to read: +12 min

“I understand concepts, I comprehend things, I have memories, but they aren’t supported by any images,” Wathen said. Paul BokslagDutch-born artist Geraldine van Heemstra is at the opposite end of this unique way of processing. In reaction to cruel teasing from her brothers and school friends, van Heemstra learned to hide her sensory abilities as a child. “It was quite tricky at school as well, such as with math, where I would see the numbers in color,” van Heemstra said. “It was so frustrating at school because I would explain something, and then I would be laughed at,” van Heemstra said.

Persons: Mary Wathen, ” Wathen, “, Wathen, ”, “ I’ve, ‘ You’ve, Geraldine van Heemstra, Paul Bokslag Dutch, van, ” van Heemstra, “ It’s, van Heemstra, van Heemstra can’t, aphantasia, Adam Zeman, Zeman, ” Zeman, aphantasia don’t, ” That’s, I’m, they’ve, that’s, what’s, Van Heemstra, ” Van Heemstra, you’re Organizations: CNN, University of Exeter, University of Edinburgh, Cognitive Sciences, “ Locations: Newent, England, Scottish, London, Edinburgh, Scotland, Miami

☆ Want to invest $10,000? Here are 5 ETFs to buy now and hold, according to the pros
▼ + stars: | 2024-03-27 | by ( Ganesh Rao | ) www.cnbc.com time to read: +5 min

CNBC Pro asked several finance experts for their top ETF picks to buy and hold this year. The MSCI USA Value index, accessible to U.S. and Europe-based investors, has run up 14% this year, outperforming the S & P 500. Invesco Nasdaq Biotech ETF For investors wanting exposure to growth stocks, Rees likes the Invesco Nasdaq Biotech ET F (SBIO-GB) in the biotech space. L & G Clean Water ETF Rees, whose firm manages more than $12.6 billion in assets, also highlighted the L & G Clean Water ETF (GLUG-GB) for investors keen on an environmental play. The fund's $415 million is invested across 53 stocks in the Solactive Clean Water Index.

Persons: Vahan Janjigian, Janjigian, Ursula Marchioni, Marchioni, Ian Rees, Rees, It's Organizations: CNBC Pro, Vanguard, Stock, Greenwich Wealth, BlackRock, Premier Miton Investors, Nasdaq Biotech, Nasdaq, Nasdaq Biotech ETF, U.S, London Stock Exchange, Index, Vanguard FTSE Locations: U.S, Europe, East, Asia, Germany

☆ Japan's yen hits 34-year-low, heating talk of intervention
▼ + stars: | 2024-03-27 | by ( Sophie Kiderlin | In | ) www.cnbc.com time to read: +3 min

Japanese 1,000 yen, 5,000 yen and 10,000 yen banknotes arranged in Kyoto, Japan, on Thursday, Nov. 2, 2023. The contradictions in Japan's efforts to protect the yen while slowing the pace of rising bond yields are becoming increasingly clear in currency and debt markets. The yen was last at 151.22 against the dollar at 10:19 a.m. London time after paring back some losses. The yen hit a 34-year-low on Wednesday, weakening as much as 151.97 against the U.S. dollar and fueling market questions over potential government intervention to prop the Japanese currency. "There is now a higher chance of Japanese FX intervention.

Persons: Kentaro Takahashi, Shunichi Suzuki, Masato Kanda, Kanda Organizations: Bloomberg, Getty, U.S ., Bank of Japan, Financial Services Agency, Reuters, FX, Commonwealth Bank of Australia, Bank of America Global Research Locations: Kyoto, Japan, London

Today, 30-year mortgage rates are hovering in the mid-6% range, according to Zillow data. As inflation slows and the Fed is able to lower rates, mortgage rates are expected to go down, too. See more mortgage rates on Zillow Real Estate on ZillowMortgage Refinance Rates TodayMortgage type Average rate today This information has been provided by Zillow. See more mortgage rates on Zillow Real Estate on ZillowMortgage CalculatorUse our free mortgage calculator to see how today's mortgage rates will affect your monthly and long-term payments. This is good news for mortgage rates — as inflation slows and the Federal Reserve is able to start cutting the federal funds rate, mortgage rates are expected to trend down as well.

Persons: Fannie Mae Organizations: Reserve, Zillow, Federal Reserve, Mortgage, Association, ARM Locations: Chevron

☆ Here's where to invest $1 million right now, according to the pros
▼ + stars: | 2024-03-25 | by ( Weizhen Tan | ) www.cnbc.com time to read: +6 min

If you had a spare $1 million to invest right now, what should you buy? He would allocate roughly 60% into stocks this way: 15% each to U.S. large-cap growth stocks and U.S. large-cap value stocks; 4% to small-caps; and 8% to mid-caps. "We really believe in style diversification and feel that remaining diversified with value and growth stocks remains prudent," Benson said. With a million dollars to invest, it would be "reasonable" for investors to put their money in both small- and mid-cap stocks now, he said. The average amount of money that his clients invest is $1.3 million, and his firm manages over $1.2 billion.

Persons: Aaron Benson, Baird, Benson, Chris Fasciano, Shams Afzal, Afzal, Louis Navellier, they've, Navellier, Li Auto Organizations: U.S . Federal, CNBC Pro, Commonwealth Financial Network, Carnegie Investment, Navellier, Associates, Nvidia, Computer, Micro, Mexico's Vista Energy, Volkswagen, Alamos Locations: U.S, Mexico, India, China

☆ A millennial moved to Charleston from Nashville to get away from the bachelorette party scene. She's never been happier working her new dream job and paddleboarding in her new city.
▼ + stars: | 2024-03-24 | by ( Madison Hoff | ) www.businessinsider.com time to read: +8 min

Kaelyn Dannenfelser said she's happier than ever after a job change and a move to Charleston from Nashville. AdvertisementKaelyn Dannenfelser, 28, said while she misses her friends in Nashville, Tennessee, and loved being able to live there, she's definitely not moving back. AdvertisementFor those looking to move to Charleston like her, she suggested spending time researching as there are several islands. While Dannenfelser hasn't been living in Charleston or in her new role too long, she's feeling much happier so far. Advertisement"I look forward to waking up in Charleston and waking up for my job," she said.

Persons: Kaelyn Dannenfelser, —, Kaelyn, she's, Dannenfelser, Shem, Paddleboarding, She's, I've, doesn't, didn't, I'm, Dannenfelser hasn't Organizations: Service, Census Bureau, Business, Charleston, BI Locations: Charleston, Nashville, Charleston . Charleston, Nashville , Tennessee, Charleston , South Carolina, Wando, North Charleston, South Carolina, Florida, LTK

☆ I was starved for adult connection while raising my daughter as a single mom. Moving back to the family farm was exactly what I needed.
▼ + stars: | 2024-03-24 | by ( Cat Jones | ) www.businessinsider.com time to read: +6 min

Cat Jones eagerly left the family home at 17 and later bought a house 230 miles away with her husband. After having a baby and leaving her husband, she was determined to make things work living on her own. Fiercely independent and proud, I was determined to make things work on my own. Farm life is notoriously stressful and persistent. I have become closer with everyone in my family, and we're showing my daughter how to cohabit peacefully.

Persons: Cat Jones, —, Cassie, Cassie didn't, Jones, it's, hadn't, grandma Cat Jones, It's, I'm Organizations: Service, Pew Research Center, Survey Locations: Tauranga —, New Zealand

☆ Being an older parent has its pros and cons. I'm financially stable, but my kids will get less time with their grandparents.
▼ + stars: | 2024-03-23 | by ( Tiffany Nieslanik | ) www.businessinsider.com time to read: +3 min

Then, I met and married my husband in my 30s, and we decided we wanted to try to have a baby. The upsides of being an older parentOne of the things I love most about being an older parent is how much of my life I lived on my own terms in my 20s and early to mid-30s. AdvertisementTiffany Nieslanik says there are pros and cons to being an older parent. Courtesy Tiffany NieslanikThe challenges of being an older parentBeing an older parent has many positive aspects, but I'd be remiss if I didn't mention some of the challenges. Unfortunately, two of their grandparents have died in the last few years, and my youngest two children likely won't remember those grandmothers.

Persons: I've, Tiffany Nieslanik, Tiffany, Tiffany Nieslanik I'm, I'm Locations: Europe, Washington, San Francisco

Connect all your bank accounts, investments accounts, and credit cardsCheck mark icon A check mark. HoneydueHoneydue App Insider’s Rating A five pointed star A five pointed star A five pointed star A five pointed star A five pointed star 3.75 /5 Fees Free Pros Check mark icon A check mark. Budgeting app for couplesCheck mark icon A check mark. Rocket MoneyRocket Money Get started On Rocket Money's website Insider’s Rating A five pointed star A five pointed star A five pointed star A five pointed star A five pointed star 4.25 /5 Fees Free to create a budget. Pros Check mark icon A check mark.

Persons: Credit Karma, you've, It's, Couples, There's, YNAB, Zeta Zeta, Zeta, you'll Organizations: Intuit, Credit, Quicken, Apple, Google, PocketGuard, Quicken Simplifi, Zeta Locations: Zeta

☆ College tour season is about to kick off. Here are 10 tips from college tour guides to have a successful campus visit.
▼ + stars: | 2024-03-20 | by ( Pamela Brill | ) www.businessinsider.com time to read: +5 min

To make the most of your visit, Business Insider spoke with college students and tour guides. Here are the dos and don'ts of college tours from student guides. Related storiesStudents can comfortably ask questions without a parent present and compare notes afterward. But some topics are off-limits, so don't ask your tour guide about their SAT scores, ACT scores, or what they wrote about in their essay. Your tour may be over, but you can still learn other ways to immerse yourself in college life.

Persons: —, Skyler Kawecki, Emily Bone, Henry Millar, College of William & Mary, Nathan Weisbrod, Halle, Julian Jacklin, Lorenzo Mars, Thomas Elias, it's, Connor Gee, Emily Balda Organizations: Service, Business, Sarah Lawrence College, Fairleigh Dickinson, Fairleigh Dickinson University, College of William &, Wesleyan University, Bucknell University, Reed College, Pepperdine University, University of Scranton, University of Mississippi, Seton Hall University Locations: New York, New Jersey, Virginia, Connecticut, Oregon, California, Pennsylvania

The announcement is unlikely to have much of an impact on mortgage rates, but commentary coming out of the meeting might. If Powell says that the Fed still believes that inflation is coming down and that it just wants to see more data before it starts cutting rates, mortgage rates might not move much. See more mortgage rates on Zillow Real Estate on ZillowMortgage Refinance Rates TodayMortgage type Average rate today This information has been provided by Zillow. See more mortgage rates on Zillow Real Estate on ZillowMortgage CalculatorUse our free mortgage calculator to see how today's mortgage rates will affect your monthly and long-term payments. This is good news for mortgage rates — as inflation slows and the Federal Reserve is able to start cutting the federal funds rate, mortgage rates are expected to trend down as well.

Persons: Jerome Powell, Powell, Fannie Mae Organizations: Federal, Fed, Zillow, Federal Reserve, Mortgage, Association, ARM Locations: Chevron

☆ Make these 2 moves with your tax refund, says finance expert—one helped her pay off $200,000 in debt
▼ + stars: | 2024-03-18 | by ( Ryan Ermey | ) www.cnbc.com time to read: +1 min

The IRS has received about 54 million tax returns so far and is issuing an average refund of $3,182, according to the agency's latest data. While a refund may feel like a significant amount of new money hitting your bank account, it's actually been your money all along. That's why financial pros generally advise clients to put any refund money toward financial goals rather than spending it. "I'd start with filling up your emergency fund with your tax refund, if that's not yet filled," she tells CNBC Make It. "For paying off debt, I like to use the debt avalanche method," she says.

Persons: it's, —, Erika Kullberg, that's Organizations: IRS, CNBC

☆ This is the easiest way for newbies to start investing, financial experts say
▼ + stars: | 2024-03-18 | by ( Greg Iacurci | ) www.cnbc.com time to read: +5 min

For many people, investing is a necessity to grow one's savings and provide financial security in retirement. A 'fabulous, simple solution' for beginnersTarget-date funds, known as TDFs, are the simplest entry point to investing for the long term, according to financial pros. TDFs are based on age: Investors choose a fund based on the year in which they aim to retire. Other 'solid choices' for novice investorsInvestors who want to be a bit more hands-on relative to TDF investors have other simple options, experts said. Investing is not a game where the guy with the 160 IQ beats the guy with 130 IQ.

Persons: Warren Buffett, Berkshire Hathaway, Christine Benz, Lee Baker, Baker, Carolyn McClanahan, Benz, Charles Schwab, Rowe Price, it's, McClanahan Organizations: Getty, Berkshire, Fidelity Investments, Morningstar, Apex Financial Services, Investors, Benz, Planning Partners, Fidelity, Vanguard Group, BlackRock, Finance, Young Locations: Atlanta, Jacksonville , Florida, U.S

☆ We started a nanny share with another family. My son gained a new best friend and it's less expensive childcare.
▼ + stars: | 2024-03-17 | by ( Jenna Jonaitis | ) www.businessinsider.com time to read: +5 min

When we started a nanny share with another family, we didn't realize how many benefits there'd be. The nanny share built my son's resilience and communication, and luckily, we had an experienced nanny who brought patience and problem-solving to the table. Even though they were young, the boys would request more and more playdates together outside the nanny share days. AdvertisementThe two families have become very close since starting a nanny share. The best nanny share event yet!

Persons: —, he's, Caz, Dominic, I'd, nannies, Jenna Jonaitis, Abby, Joe, Jenna's, Jenna, Iggy Organizations: Service, Detroit Lions Locations: Lake Michigan

☆ These 6 3D printed homes could be built for less than $100,000 each — take a look
▼ + stars: | 2024-03-17 | by ( Brittany Chang | ) www.businessinsider.com time to read: +1 min

Icon asked students and architecture pros to design 3D printed homes that could be built for $99,000 or less. The six winning concepts are now featured in Icon's digital catalog of 3D printed home designs. NEW LOOK Sign up to get the inside scoop on today’s biggest stories in markets, tech, and business — delivered daily. AdvertisementUsing a robot 3D printer to construct a home doesn't have to be as unattainable as it might sound. Quite the opposite: According to construction-tech startup Icon, the cost to build a 3D printed home could be less than the price of a luxury car.

Persons: — Organizations: Service Locations: Austin

☆ Top Wall Street analysts prefer these three stocks for the long haul
▼ + stars: | 2024-03-17 | by ( Tipranks.Com Staff | ) www.cnbc.com time to read: +4 min

With that in mind, here are three stocks favored by the Street's top pros, according to TipRanks, a platform that ranks analysts based on their past performance. Earlier this month, Guggenheim analyst Robert Drbul reiterated a buy rating on Nike stock with a price target of $130, adding it as a "best idea." Drbul also expects the Nike brand to be highly visible at the upcoming 2024 Summer Olympics. Drbul holds the 565th position among more than 8,700 analysts tracked by TipRanks. (See Nike Stock Buybacks on TipRanks)BJ's Wholesale Club

Persons: Rafael Henrique, Gregg Moskowitz, SIEM, Moskowitz, CrowdStrike, TipRanks, Robert Drbul, Drbul, Jordan Organizations: CrowdStrike Holdings, Inc, Getty, Flow, Falcon Cloud Security, Nike, Pegasus, BJ's Wholesale Locations: 2H24, North America

☆ We moved from California to Iowa and thought it would be way cheaper. We stayed less than 2 years before returning to California's sunny weather.
▼ + stars: | 2024-03-16 | by ( Erin Snodgrass | ) www.businessinsider.com time to read: +7 min

Wendy and Kurt Meyer moved from Mission Viejo, California, to Washington, Iowa, in 2021. The couple moved back to Mission Viejo in December 2023 and they never want to leave again. They stayed 20 months before moving back to Mission Viejo in December 2022. My parents were from Iowa and moved me to Iowa when I was in high school. We lived in Mission Viejo in Orange County.

Persons: Wendy, Kurt Meyer, Hawkeye, —, I'm, Kurt, We'll, grandkids, Wendy Meyer, Wendy Meyer Kurt, They're, It's, We've Organizations: Service, That's, Air Force, The University of Iowa Hospital, Wendy, Gas, Costco Locations: Mission Viejo , California, Washington , Iowa, Mission Viejo, Los Angeles, Iowa, California, Germany, Long Beach, Orange County, She's, Iowa City

☆ Here are 3 key things to know with one month until the tax deadline
▼ + stars: | 2024-03-15 | by ( Kate Dore | Cfp | ) www.cnbc.com time to read: +1 min

The federal tax deadline is officially one month away for most filers — and experts say there are some key things to know this season. As of March 1, the IRS received roughly 54 million individual returns, which is less than 40% of the 146 million expected this season, according to the agency. What investors need to knowApril 15 is the federal deadline to file and pay taxes owed for most filers. But parts of eight states affected by natural disasters have until June 17, according to IRS spokesperson Eric Smith. Here are three key things to know before the filing deadline:

Persons: —, Biden, Eric Smith Organizations: IRS, Finance, Trump

☆ There’s an Art to Arranging a Bookshelf. Here’s How It’s Done.
▼ + stars: | 2024-03-15 | by ( Tim Mckeough | ) www.nytimes.com time to read: 1 min

In a public library, styling a bookshelf is easy: Just fill it with books. At home, a bookcase needs to do a lot more than hold books. So how do the pros do it? Start by thinking of your shelves as a kind of three-dimensional wallpaper that adds visual interest to a room. The things you choose to display should express your personality.

Persons: “, ”, Jeremiah Brent, you’ve

☆ Home Depot will open four distribution centers as it looks to home pros to drive sales growth
▼ + stars: | 2024-03-14 | by ( Melissa Repko | In Melissa-Repko | ) www.cnbc.com time to read: +4 min

Home Depot said Thursday that it will open four new distribution centers as it chases more sales from remodelers, contractors and other home professionals. Each facility averages approximately 500,000 square feet — about five times the size of the average Home Depot store. That gives Home Depot a lot of room to grow as it adds capabilities to handle pros' entire orders, he said. Home Depot is changing other aspects of its business to support pros who handle complex and pricey projects. He said Home Depot is trying to bring to the pro business what it once did to DIY — turn itself into a one-stop shop.

Persons: Chip Devine, Home Depot's, Devine, Ted Decker, You've Organizations: Home Depot, CNBC, Depot Locations: Detroit , Los Angeles, San Antonio, Toronto, Dallas

☆ 4 supplements a dietician takes to age better after weighing the pros and cons
▼ + stars: | 2024-03-14 | by ( Hilary Brueck | ) www.businessinsider.com time to read: +4 min

download the appSign up to get the inside scoop on today’s biggest stories in markets, tech, and business — delivered daily. Read previewProfessor Cynthia Thomson doesn't rely on supplements to stay healthy. "And then looking at my diet and going, 'I'm not going to be able to get to that level.'" These supplements are merely an addition to her plant-heavy diet, where she gets most of her nutrientsThomson says most of her diet is plants. At home, she likes to eat tofu, tempeh, kefir, salmon, nuts and seeds, as well as plenty of vegetables.

Persons: —, Cynthia Thomson doesn't, she's, Thomson, — Thomson, I'm, alvarez Thomson —, — prioritizes Organizations: Service, Business, Getty

Mortgage rates ticked up a little bit in response to Tuesday's slightly hotter-than-expected Consumer Price Index data. But mortgage rates probably won't drop substantially until we get more data showing that inflation is continuing to slow. See more mortgage rates on Zillow Real Estate on ZillowMortgage Refinance Rates TodayMortgage type Average rate today This information has been provided by Zillow. See more mortgage rates on Zillow Real Estate on ZillowMortgage CalculatorUse our free mortgage calculator to see how today's mortgage rates will affect your monthly and long-term payments. This is good news for mortgage rates — as inflation slows and the Federal Reserve is able to start cutting the federal funds rate, mortgage rates are expected to trend down as well.

Persons: they're, they've, Fannie Mae's, Fannie Mae Organizations: Bureau of Labor Statistics, Federal Reserve, Zillow, Mortgage, Association, ARM Locations: Chevron

☆ IRS free tax filing program launches in 12 pilot states. Here's what to know
▼ + stars: | 2024-03-12 | by ( Kate Dore | Cfp | ) www.cnbc.com time to read: +1 min

After weeks of testing with roughly 1,500 returns, Direct File, a free tax filing program from the IRS, is now fully open in 12 pilot states, according to the U.S. Department of the Treasury. While the pilot focuses on "simple tax situations," the Treasury estimates the pilot could cover about one-third of tax situations for 19 million taxpayers. "Dozens of countries have provided free tax options to their citizens for years," Deputy Secretary of the Treasury Wally Adeyemo said during a press call on Monday. "American taxpayers who want to file their taxes for free directly with the IRS should have that option." More from Personal Finance:Trump vs. Biden: What a presidential election rematch could mean for your taxesTax pros brace for 'tidal wave' of crypto tax scrutiny from the IRS.

Persons: Wally Adeyemo, Biden, Adeyemo Organizations: U.S . Department of, Treasury, Finance, Trump, Economic Security

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