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☆ Housing Market Ice Age: Fewer Sales, Higher Home Prices, Less Inventory
▼ + stars: | 2023-05-24 | by ( James Rodriguez | ) www.businessinsider.com time to read: +12 min

The result is a housing market that's fundamentally out of whack. The housing market has changed for good — and with the benefit of time-earned wisdom, we can pinpoint the moment it entered a new era. Two big things happened during the initial response to the pandemic that launched the housing market past the point of no return. Both factors have propelled competition in the housing market to new heights and made it challenging for would-be buyers to find their footing. Some aspects of the pandemic-era housing market that once seemed "odd" are increasingly becoming new norms.

☆ I used ChatGPT for my résumé and got back poor results and pretentious gobbledygook
▼ + stars: | 2023-05-22 | by ( Rebecca Knight | ) www.businessinsider.com time to read: +4 min

I asked ChatGPT, OpenAI's chatbot, to punch up my résumé and the results were less than spectacular. While ChatGPT can offer some inspiration for your résumé, you still need to put in the work. But even with all that guidance, résumé writing remains a tedious task. I assumed it could offer helpful assistance for résumé writing, too. Further down, ChatGPT recommended I use words including "influential" and "prestigious" to describe my former employers.

☆ Trevi Fountain water turns black in Rome climate protest
▼ + stars: | 2023-05-21 | by ( ) www.reuters.com time to read: +1 min

[1/4] Climate activists pour vegetable charcoal in the Trevi Fountain water, during a demonstration against fossil fuels, in Rome, Italy May 21, 2023 in this image obtained from social media. Allesandro... Read moreROME, May 21 (Reuters) - Seven young activists protesting against climate change climbed into the Trevi Fountain in Rome on Sunday and poured diluted charcoal into the water to turn it black. The protesters from the "Ultima Generazione" ("Last Generation") group held up banners saying "We won't pay for fossil (fuels)," and shouted "our country is dying". Rome mayor Roberto Gualtieri condemned the protest, the latest in a series of acts targeting works of art in Italy. The tradition is for visitors to toss coins into the famous 18th century Trevi Fountain to ensure that they will return to Rome one day.

Compare TD Bank and Wells Fargo TD BankWells Fargo Chevron icon It indicates an expandable section or menu, or sometimes previous / next navigation options. Read our review Read Our Review A looong arrow, pointing rightTD Bank vs. Wells Fargo Savings Account ComparisonsThe TD Simple Savings Account and Wells Fargo Way2Save® Savings Account are each bank's standard low-fee savings account. Wells Fargo has a $525 cash bonus for new customers who open any qualifying Wells Fargo savings account by June 27, 2023 (CDs are not eligible, nor are savings accounts through Wells Fargo Private Banking). Winner: TD Bank TD Bank CDs might catch your eye if you're searching for CD variety or special types of CDs. Wells Fargo vs. TD Bank: Frequently Asked QuestionsIs Wells Fargo better, or TD Bank?

To help you see if Bank of America or TD Bank is right for you, we're comparing each institution's bank accounts. Compare TD Bank and Bank of America TD BankBank of America Chevron icon It indicates an expandable section or menu, or sometimes previous / next navigation options. See the best bank account bonuses right now>>Winner: TD Bank The TD Bank Convenience Checking Account has a lower minimum opening deposit and minimum balance requirement than the Bank of America Advantage Plus Checking Account. Winner: TD Bank TD Bank will likely be a better choice for CDs, particularly, if you like to open a special type of CD or a CD with a low initial deposit. TD Bank vs. Bank of America: Frequently Asked QuestionsIs Bank of America better, or TD Bank?

☆ Kick Off Summer With These 5 Breezy Make-Ahead Salads
▼ + stars: | 2023-05-18 | by ( Kay Chun | ) www.nytimes.com time to read: 1 min

It may be spring, but summer — and all its abundance — is on the horizon, ready to encourage breezy communal dining under the glow of the sun and the grill. No gathering of the season is complete without bounteous produce, which can be quickly and easily turned into crowd-pleasing sides. These summer dishes, all ready in less than an hour, pair wonderfully with beloved classic cookout foods, whether burgers or hot dogs, grilled chicken or seafood. Do all of the chopping and cooking earlier in the day, or even the night before, then toss again or assemble right before serving. So start tucking these recipes away: Summer awaits.

☆ Target will report earnings before the bell. Here's what to watch
▼ + stars: | 2023-05-17 | by ( Melissa Repko | In Melissa-Repko | ) www.cnbc.com time to read: +2 min

A customer is seen in the parking lot of the Target store at the Paxton Towne Centre near Harrisburg. Target will report fiscal first-quarter earnings before the bell as pricier groceries, rising mortgage rates and summer vacations weigh on wallets. On Tuesday, Home Depot's quarterly results sent a troubling signal as retail earnings season gained steam. The home improvement retailer, which missed on revenue and lowered its forecast, could be a warning sign about Target's quarterly results, too. Target missed earnings expectations for three consecutive quarters before eking past its own lowered forecast in the holiday quarter.

☆ Wall St mixed, Treasury yields climb on mixed data; debt ceiling talks take center stage
▼ + stars: | 2023-05-16 | by ( Stephen Culp | ) www.reuters.com time to read: +4 min

Disappointing results from Home Depot (HD.N), the largest U.S. home improvement chain, combined with weaker-than-expected retail sales data suggested consumer spending is losing some momentum as restrictive monetary policy dampens demand. However, a core measure of retail sales suggested the American consumer continues to bolster the economy. European shares ended lower as downbeat earnings and the U.S. retail sales data stoked worries about softer consumer spending. U.S. Treasury yields continued to rise on the heels of the retail sales data, suggesting that the Federal Reserve's efforts to toss cold water on the economy in order to rein in inflation has yet to take full effect. The dollar index rose 0.14%, with the euro down 0.04% to $1.0868.

☆ Wall St dips, Treasury yields climb on mixed data; debt ceiling talks take spotlight
▼ + stars: | 2023-05-16 | by ( Stephen Culp | ) www.reuters.com time to read: +3 min

[1/2] The German share price index DAX graph is pictured at the stock exchange in Frankfurt, Germany, May 15, 2023. Meanwhile, disappointing results from Home Depot (HD.N), combined with weaker-than-expected retail sales data suggested consumer spending is losing some momentum as restrictive monetary policy dampens demand. However, a core measure of retail sales suggested the American consumer continues to bolster the economy. U.S. Treasury yields continued to climb on the heels of the Retail Sales data, suggesting that the Fed's efforts to toss cold water on the economy in order to rein in inflation has yet to take full effect. The greenback edged higher against a basket of world currencies after the weaker-than-expected retail sales data, shifting focus to the partisan debt ceiling wrangling unfolding in Washington.

☆ How to make your own salad dressing
▼ + stars: | 2023-05-15 | by ( Casey Barber | ) edition.cnn.com time to read: +6 min

Here are my favorite methods and tips for homemade salad dressing from my years of experimentation. Try any of these recipes to get you going:• Creamy Italian dressing with mayonnaise (regular or vegan)• Avocado green goddess dressing• Lime tahini dressing• Miso ginger dressing• Spicy cashew butter dressing, just like Trader Joe’sAs for ranch dressing, I’ll admit: Even though I have a recipe for homemade ranch in my cookbook “Classic Snacks Made From Scratch,” sometimes I can’t resist the craving for the bottled version. However, if you do want to make homemade ranch dressing, it’s not too difficult. Homemade dressing tips and tricksMake your dressing with a blender or food processor to emulsify the oil evenly with the acid. Tetiana Strilchuk/iStockphoto/Getty ImagesTo get a creamier, thicker texture for any homemade dressing, make it in a blender or food processor.

☆ Leaked details of Wagner boss Prigozhin's dealings suggest he was ready to throw Russia's war 'under the bus' just to win a battle, Russia expert says
▼ + stars: | 2023-05-15 | by ( Sinéad Baker | Jake Epstein | ) www.businessinsider.com time to read: +8 min

The Wagner Group has frequently feuded with Russia's military leadership over its war in Ukraine. A new report suggests the group leader took it farther than previously known, offering to give Ukraine Russian troop locations. The report indicates that Yevgeny Prigozhin was ready to derail Russia's war for his own aims, an expert told Insider. And according to a new report, amid these tensions, Prigozhin attempted derail Russia's battlefield operations in a major way. Ukrainian soldiers walk in the position close to Bakhmut, Ukraine, Thursday, Jan. 12, 2023.

☆ Researchers found a surefire predictor of success — and what separates those who find it from those who keep failing
▼ + stars: | 2023-05-12 | by ( Susie Allen | Kellogg Insight | ) www.businessinsider.com time to read: +12 min

Using this insight, the researchers are able to successfully predict an individual's long-term success with just a small amount of information about that person's initial attempts. Indeed, in another recent study, Wang himself found that an early career setback often set up scientists for later success. In all three datasets, an individual's second-to-last attempt did tend have a higher probability of success than their very first effort. Rather, there's a singular learning threshold that separates eventual successes from the rest. "Thomas Edison said, 'people give up because they don't know how close they are to success,'" Wang explains.

☆ The Ultimate Airbnb Survival Kit: 6 Things You Should Always Bring With You
▼ + stars: | 2023-05-10 | by ( Rae Witte | ) www.wsj.com time to read: 1 min

PLAY IT LOUD The Sonos Roam is an instant vibe creator, capable of making even the most austere vacation rental feel as cozy as home. Photo: SonosCERTAIN THINGS come standard in a decent vacation rental: fresh-cut flowers, local artisanal coffee, hopelessly uninteresting books. So, why is it always a toss up whether you’ll find a wine key? The promise of any Airbnb , Vrbo or FlipKey is a living arrangement that feels more like home than hotel. Our advice: Compile these six items, ideally in a dopp kit that is ready to deploy into your carry-on whenever you set off for a rental.

☆ Don’t Toss These Grad Caps!
▼ + stars: | 2023-05-10 | by ( Rachel Simon | ) www.nytimes.com time to read: +1 min

Ms. Morales said that most of her clients who request custom designs are the children of immigrants or have immigrated to the United States themselves. Many, she added, “owe their journeys to their families, and they want to honor that.”Like Ms. Morales, Emiah Youman began customizing graduation caps when she was in college. Ms. Youman, who started selling them through her business, Custom Couture by Emiah, in 2019, now also offers premade styles (starting at $50), as well as hand-painted designs (starting at $210). Ms. Youman, who lives in Washington, said she has received about 100 orders this year. Her custom designs can take up to three months to complete, in part because she is running her business while attending law school at Howard University.

Prosecutors have until May 29 to respond to Bankman-Fried's dismissal request, and Kaplan will hear arguments on June 15. EXTRADITIONBankman-Fried has acknowledged that FTX had inadequate risk management but denies stealing funds, and has sought to distance himself from FTX's day-to-day operations. In pleading guilty, Singh admitted to making political donations in his own name that were funded in part by transfers from Alameda. "The campaign finance allegations reveal, yet again, the consequences of the Government's rush to indict Mr. Bankman-Fried," his lawyers wrote. Bankman-Fried has largely been confined to his parents' home since his December arrest in the Bahamas, where he had lived and where FTX was based.

FTX imploded after a flurry of customer withdrawals in the wake of reports it had commingled assets with Alameda Research, Bankman-Fried's crypto-focused hedge fund. The Massachusetts Institute of Technology graduate has pleaded not guilty to 13 counts of fraud and conspiracy. He has acknowledged that FTX had inadequate risk management but denies stealing funds, and has sought to distance himself from FTX's day-to-day operations. Three onetime close associates - former Alameda co-chief executive Caroline Ellison, former FTX technology chief Gary Wang, and former FTX engineering chief Nishad Singh - have all pleaded guilty and agreed to cooperate with prosecutors. Bankman-Fried has limited access to technology, after prosecutors warned he might tamper with witnesses.

New York CNN —Lawyers for FTX founder Sam Bankman-Fried on Monday filed motions to dismiss the US government’s fraud charges against him. Bankman-Fried’s attorneys said the government failed to properly explain what offenses the former CEO of the bankrupt crypto exchange committed. Bankman-Fried has pleaded not guilty to the 13 charges. Prosecutors allege that Bankman-Fried stole FTX customer deposits to finance risky bets at his hedge fund, Alameda Research, and to funnel contributions to American politicians. Three of Bankman-Fried’s former business partners — Gary Wang, Caroline Ellison and Nishad Singh — have pleaded guilty to numerous charges and are cooperating with investigators.

☆ JPMorgan just got a lot bigger — and Elizabeth Warren is alarmed
▼ + stars: | 2023-05-02 | by ( Matt Egan | ) edition.cnn.com time to read: +4 min

Washington, DC CNN —JPMorgan Chase has once again come to the rescue of the banking system by acquiring a doomed bank. By blessing JPMorgan’s takeover of First Republic Bank, Warren fears federal regulators just made the” Too Big to Fail” problem even worse. My view on this is it’s important to look at the effect on competition and to try to keep a more diversified banking system,” Warren said. For his part, JPMorgan CEO Jamie Dimon is hopeful his bank’s takeover of First Republic eases the stress in the banking system. Clawing back banker payIn the wake of the bank failures, Warren is calling for accountability — both of bank executives and regulators.

☆ These are the top Senate races to watch in 2024
▼ + stars: | 2023-04-28 | by ( Kevin Breuninger | ) www.cnbc.com time to read: +8 min

They have reason to be hopeful: Democrats face a daunting 2024 Senate map that puts them on defense in 23 of the cycle's 34 races, including multiple seats considered ripe for GOP challenges. The grim outlook has some Senate Democrats considering retirement, even after the caucus expanded to a 51-49 majority following a better-than-expected showing in the midterms. Jim Justice, reportedly the state's richest man and one of its favored contenders for the Senate race. But the 2024 Senate race in Ohio is currently considered a toss-up, as Republicans have made significant gains in the state in the last two election cycles. Sabato's Crystal Ball and the Cook Political Report both say the Michigan Senate race leans Democratic.

To help you see if Bank of America or TD Bank is right for you, we're comparing each institution's bank accounts. Compare TD Bank and Bank of America TD BankBank of America Chevron icon It indicates an expandable section or menu, or sometimes previous / next navigation options. Winner: TD Bank The TD Bank Convenience Checking Account has a lower minimum opening deposit and minimum balance requirement than the Bank of America Advantage Plus Checking Account. Winner: TD Bank TD Bank will likely be a better choice for CDs, particularly, if you like to open a special type of CD or a CD with a low initial deposit. TD Bank vs. Bank of America: Frequently Asked QuestionsIs Bank of America better, or TD Bank?

☆ Opinion | No One Knows the Value of a College Degree Like Someone Without One
▼ + stars: | 2023-04-26 | by ( Christopher Zara | ) www.nytimes.com time to read: +3 min

The good news is, future job searches may not always be as bleak as mine have been. to Delta Air Lines are dropping college degree requirements for many roles, focusing instead on “skills-based hiring,” a philosophy that emphasizes people over pedigrees. Consider the ever-persistent education wage gap, which has been widening for decades and by some measures got even worse during the past few years. Can we be so surprised that the media presents an incomplete picture about higher education when so few journalists navigate the working world without a four-year degree? One 2022 survey conducted by Morning Consult found that even though 72 percent of employers said they didn’t believe a college degree was a great indicator of a person’s skills, more than half still hired candidates from degree programs anyway because they saw doing so as a “less risky choice.”

☆ South Koreans tap cash-giving apps to help offset rising living costs
▼ + stars: | 2023-04-24 | by ( Hyunsu Yim | ) www.reuters.com time to read: +2 min

As many as three in four adults earn cash through such applications, showed a recent survey by job portal Incruit. Retiree Han Sun-jae, 77, said he had made some 50,000 won ($37.91) so far through the Toss app. The trend shows people are going the extra mile to help overcome an increasingly dire economic situation, experts said. "While the effort to make pocket money is commendable, it could also leave people vulnerable to personal data use," said Lee Eun-hee, a consumer studies professor at Inha University. ($1 = 1,318.79 won)Reporting by Hyunsu Yim; Additional reporting by Ju-min Park; Editing by Christopher CushingOur Standards: The Thomson Reuters Trust Principles.

It has also asked a federal court in Washington to dismiss claims in a 2020 antitrust lawsuit filed by the Justice Department. And it has asked a federal court in Virginia to dismiss a complaint that the federal government filed this year. In its court filing in federal court in California on Thursday, Google asked that five claims be thrown out. Google argued it does not have a legal obligation to put other app stores in Android and, in fact, most Android phones come preloaded with more than one app store and others can be installed. Again, Google argued that game developers are not prevented from creating alternate app stores.

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Baldwin, who is also a producer on the film, was charged with two counts of manslaughter in the death of "Rust" cinematographer Halyna Hutchins. Though Baldwin's manslaughter case has been dropped, the actor still faces other legal woes as a result of the accidental shooting. In early February, Hutchins' parents and sister filed a lawsuit against Baldwin, "Rust" producers and other crew members, accusing them of negligence and intentional infliction of emotional distress, among other charges. Halls' hearing was the first to be conducted under the supervision of special prosecutors Kari Morrissey and Jason Lewis. In her place, she appointed Morrissey and Lewis as special prosecutors.

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