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☆ Global leaders react to 'true friend' Biden dropping out of U.S. presidential race
▼ + stars: | 2024-07-22 | by ( Lee Ying Shan | In Ying-Shan-Lee | ) www.cnbc.com time to read: +4 min

Canadian Prime Minister Justin Trudeau called Biden "a true friend" and a "partner to Canadians." "I've known President Biden for years. To President Biden and the First Lady: thank you," Trudeau wrote in an Instagram post. Biden's "difficult" decision was acknowledged by Polish President Donald Tusk and Czech Prime Minister Petr Fiala as driven by the larger interest of the U.S."Dear President @JoeBiden. "We will always be thankful for President Biden's leadership.

Persons: Joe Biden, Kamala Harris, Biden, Donald Trump, Justin Trudeau, He's, —, Trudeau, Keir Starmer, Biden's, Donald Tusk, Petr Fiala, @JoeBiden, You've, Tusk, Anthony Albanese, Yoav Gallant, Gallant, Volodymyr Zelenskyy, Dmitry Peskov, Peskov, Barack Obama, Obama Organizations: College of Southern, Sunday, Democratic Party, Canadian, Czech, Israeli, Kremlin Locations: College of Southern Nevada, Las Vegas , Nevada, Poland, America, U.S, Israel, Gaza, Moscow, Ukraine, Russian

☆ I've spent 6 weeks of my life on Guam and am convinced it's the most underrated tourist destination in the US
▼ + stars: | 2024-07-22 | by ( Joey Hadden | ) www.businessinsider.com time to read: +1 min

The island of Guam is a US territory in the Pacific seeking more US tourists. I've spent six weeks in Guam, visiting my CHamoru family and exploring the island. Its unique attractions, marine preserves, and rich culture make Guam a hidden gem destination. AdvertisementThroughout my life, I've probably spent more time in Guam than any other destination in the world. The primary reason I've spent a total of six weeks on the Pacific island is that I have more family there than anywhere else on Earth.

Persons: I've, —, who'd Organizations: Service, Business Locations: Guam, Oceania

☆ I've been to 25 countries. Here are 10 mistakes I wish I'd avoided when I first started traveling.
▼ + stars: | 2024-07-22 | by ( Dominique Mills | ) www.businessinsider.com time to read: +5 min

Here are 10 mistakes I wish I'd known to avoid when I first started traveling and tips for a smoother journey. AdvertisementSince then, I've learned that packing light with versatile clothing makes for a more enjoyable trip. Now, I only book essentials and leave room in my itinerary to explore and make last-minute decisions and changes. Now, I always inform my bank of my travel plans to ensure seamless access to my funds while abroad. Walking shoes need to be comfortable, not cuteFashion over function is a mistake I've made many times.

Persons: —, Overpacking, Dominique Mills, I've, it's, I'm, Don't, Dominique Mills Taxis Organizations: Service, American Express, Business

Threshold Performance Sheet Set (Queen) Target's affordable Threshold sheet set is soft and holds up over time so you won’t have to worry about pilling or shrinking. Check price at Target What we like Check mark icon A check mark. The Threshold sheets feel soft to my skin while I'm dozing off and I've found myself sleeping throughout the night better since getting them. This sheet set has performance-level fabric, and while I've found them to be resistant to pilling and shrinking, they do wrinkle. Before switching to Threshold sheets, I used Brooklinen Sateen Sheets for about seven years.

Persons: you've, Rebecca Shinners, I've, Brooklinen, I'd Organizations: Business, Brooklinen Locations: California, New York City

☆ 'Workaholic' Karlie Kloss on the importance of setting boundaries and work-life balance: 'I try to be disciplined'
▼ + stars: | 2024-07-22 | by ( Nicolas Vega | ) www.cnbc.com time to read: +2 min

Karlie Kloss, a self-proclaimed "workaholic," knows this better than most. Her years of focus and hard work have made her massively successful, but Kloss tells CNBC Make It that her personal life has paid the price. For the New Yorker, that means being strict about setting boundaries between her work life and home life. Once her kids get a little older and are no longer home all day, Kloss knows she'll be tempted to reassess her boundaries. "I know when they're in school all day my workaholic tendencies will probably kick back into high gear," she says.

Persons: Karlie, workaholic, Kloss, I've, Thorne, I'm, she'll Organizations: CNBC, Yorker

Just as homeowners insurance protects you financially if your home is physically damaged or destroyed, title insurance protects you if someone makes a claim against your property's title. How title insurance worksHere's what the title search and insurance process looks like from start to finish:The process of obtaining title insuranceWhen you (or your lender) hire a title insurance company, they'll perform a title search on your home. Once the title has been cleared (or cured), the title company will issue a title insurance policy. Unlike many other types of insurance, title insurance isn't an ongoing cost. While lender's title insurance is usually mandatory, an owner's title insurance policy is optional.

Persons: they'll, aren't, I've Organizations: New York, Title Association, Chevron Locations: Chevron

☆ I'm a ghostwriter for big names in business and Hollywood. The interview process is emotional, but I know what makes a great story.
▼ + stars: | 2024-07-22 | by ( Elle Hardy | ) www.businessinsider.com time to read: +7 min

download the appSign up to get the inside scoop on today’s biggest stories in markets, tech, and business — delivered daily. I didn't even know what a ghostwriter was or if there was a business for it. Working with successful people usually means they're extremely busy, so sometimes we have to wait for them to find time for everything. Sometimes the interview process can be difficult for clientsWhen we address topics like trauma and relationships, it can be a lot for the client to process. AdvertisementVery often, as they go through the interview process, they become more comfortable talking about difficult things later on.

Persons: —, Loren Stephens, I'm, It's, We'll, Al Azus, Aki Gonzalez Aleong, Jeff Margolis, Barbara Walters, I've, Leo Daughtry, Lauryn Haas Organizations: Service, Business, North Carolina State Rep, lhaas@businessinsider.com Locations: Los Angeles, Boston, North Carolina, I'm, LA

☆ Meet a baby boomer who will never retire because she has terminal cancer and can't afford to live off $1,800 in monthly Social Security
▼ + stars: | 2024-07-21 | by ( Juliana Kaplan | ) www.businessinsider.com time to read: +6 min

On average, older adults had $13,800 in unpaid medical bills, even as they were going to the doctor less. And Americans like Mary, who are still paying off debts like mortgages, are also more likely to have unpaid medical bills. Even with Mary's "incredible" health insurance, it took a little while to get everything straightened out with her coverage. "And at that point, that's when I'll retire because it won't matter anymore what health insurance plan I'm on. She always has the same response: "I can't afford to; I literally cannot afford to give up my paycheck or my health insurance until I'm forced to."

Persons: Mary, she'd, subsisting, — Organizations: Service, Social Security, Consumer Financial, Bureau

☆ My partner grew up rich, and I didn't. We almost broke up over my insecurities, but compassion and honesty have gotten us through.
▼ + stars: | 2024-07-21 | by ( Tess Martinelli | ) www.businessinsider.com time to read: +7 min

download the appSign up to get the inside scoop on today’s biggest stories in markets, tech, and business — delivered daily. Read previewThis as-told-to essay is based on a conversation with Geneviève Laforce, a 24-year-old content creator from Montreal, whose partner grew up wealthy. We've learned that managing a relationship with someone who grew up so differently requires constant compassion and open communication. I've been able to broaden her worldview and provoke a deeper sense of compassion for those who are struggling. If money complicates your relationship and you want to tell your story, please email Tess Martinelli at tmartinelli@businessinsider.com.

Persons: —, Geneviève Laforce, It's, We've, isn't, I've, she's, They've, Tess Martinelli Organizations: Service, Business Locations: Montreal, tmartinelli@businessinsider.com

For Love & Money is a weekly Business Insider column answering relationship and money questions. Write to For Love & Money using this Google form. If your siblings don't already recognize how lucky they are to have you, I assure you they will someday. Another way you can help your siblings when you're gone is to prepare them for it now. Write to For Love & Money using this Google form .

Persons: —, I've, I'm, You've, you've, doesn't Organizations: Service, SNAP, Medicaid

☆ Stock investors are staring down a bearish trifecta that could spark a 12% market drop by October, strategist says
▼ + stars: | 2024-07-21 | by ( Jennifer Sor | ) www.businessinsider.com time to read: +6 min

He's steering clear of Big Tech stocks, and for now he's only bullish on "dull, boring, and predictable" names. Tech stocks now account for highest portion of the S&P 500 since the early 2000s, according to an analysis from Société Générale. AdvertisementAnother risk to stocks lies in interest rates, Blain said, as borrowing costs look poised to stay higher for longer. "There is an awful lot of people in the financial markets who just don't understand that zero interest rates and ultra-low interest rates are not normal," Blain added. AdvertisementThe final risk Blain is eyeing is the upcoming presidential election, which contains a handful of uncertainties that could batter stocks, Blain said.

Persons: Bill Blain, Blain isn't, —, that's, Blain, Biden, he's, Générale, John Hussman, I've, eyeing, We've, Morgan Stanley, Stifel, Richard Bernstein Organizations: Big Tech, Service, China, Nasdaq, Tech, stoke, Richard Bernstein Advisors

President Joe Biden on Sunday dropped out of the 2024 presidential race and endorsed Vice President Kamala Harris as the Democratic Party's nominee, after weeks of pressure on the 81-year-old incumbent to quit the contest against former President Donald Trump. "It has been the greatest honor of my life to serve as your President," Biden wrote in a post on the social media site X. Biden in a subsequent tweet wrote that his "very first decision as the party nominee in 2020 was to pick Kamala Harris as my Vice President." Today I want to offer my full support and endorsement for Kamala to be the nominee of our party this year. Democrats — it's time to come together and beat Trump," Biden wrote.

Persons: Joe Biden, Kamala Harris, Donald Trump, Biden, Trump, I've, Kamala, —, Harris, Jamie Harrison, Harrison, Lyndon Johnson, Sen, Eugene McCarthy, Joe Manchin Organizations: Sunday, Democratic Party's, Biden, Trump, NBC News, Democratic, Party, Democratic Party Locations: Rehoboth , Delaware, Vietnam, New Hampshire, West Virginia

Earn 5.26% APY with a NexBank High Yield Savings Account. It got me thinking about the money I have stashed away in my current high-yield savings account at Ally, paying 4.20% APY. Here's why I'm sticking to my current savings account. With Ally, I can enjoy the fact that there are no monthly account fees, nor a minimum balance requirement. That's more money than I would ever feel comfortable keeping in a short-term savings account, let alone locked for a long stretch.

Persons: I've, Ally, There's, you'll Locations: Michigan

☆ I went through 12 interviews and didn't get the job. Here's what I'll do next.
▼ + stars: | 2024-07-21 | by ( Tim Paradis | ) www.businessinsider.com time to read: +8 min

So it just seemed like I kept going up rung after rung after rung to another person and another person. As the interviews continued, they seemed to be more like meet-and-greets than interviews. As you're going through the process, you're always looking to say, "Are we good? You have to look at who you're going to talk to and what their background is. I'm going back out there."

Persons: Octavius A . Newman, I'd, Allen Johnson, wasn't vacillation, that's, —, Octavius, Rocky, He's, he's, You've, I've, let's, I'm Organizations: Service, Rocky Locations: Philadelphia, Philly

Vice President Kamala Harris is already seeing a wave of big money donor support following President Joe Biden dropping out of the race, with the help of bundlers who have assisted her in past races, according to people familiar with the matter. Lasry helped raise money for the vice president when she ran against Biden in the 2020 Democratic primary. Hoffman has donated at least $10 million to supportive Biden political action committees so far this election, according to Federal Election Commission records. The campaign filed the new name of their campaign, "Harris for President," with the FEC. That would come with the added risk of donors potentially deciding not to donate to the new campaign, Massoglia said.

Persons: Kamala Harris, Joe Biden, bundlers, Biden, Harris, Donald Trump, Marc Lasry, Lasry, Reid Hoffman, Hoffman, Doug Emhoff, Alexander Soros, George Soros, Stewart Bainum Jr, Anna Massoglia, Massoglia Organizations: Democratic, Senate, CNBC, Wall, Biden, Trump, Venture, Commission, New, New York Hamptons, Hamptons, Democratic Party, Choice, Convention, Democratic National Committee Locations: New York, Chicago

☆ Biden is dropping out. Here's what happens next.
▼ + stars: | 2024-07-21 | by ( Bryan Metzger | ) www.businessinsider.com time to read: +5 min

Biden said he would speak to the matter further later this week. His decision, made after weeks of growing pressure from members of his own party, throws Democrats into uncharted territory. Sen. Joe Manchin, an independent from West Virginia who caucuses with Democrats, called for an "open process" to select a new nominee as he called for Biden to step aside earlier on Sunday. On Sunday, immediately after Biden announced his decision to withdraw, a series of Republican politicians called on Biden to resign immediately, including Speaker Mike Johnson. "If Joe Biden is not fit to run for President, he is not fit to serve as President," Johnson said.

Persons: —, Joe Biden, Biden, Kamala Harris, I've, Harris, Donald Trump, Sen, Joe Manchin, Gretchen Whitmer, Cory Booker of, There's, Alexandria Ocasio, Cortez, Joe Biden doesn't, J.D, Vance, @JDVance1, Mike Johnson, Johnson Organizations: Service, Business, Democratic, Democratic National Committee, Michigan, Cory Booker of New, Rep, Republicans, Biden Locations: Chicago , Illinois, West Virginia, Cory Booker of New Jersey, Alexandria, Cortez of New York

☆ I swear by Costco now that I have a nutritionist. Here are 10 things I buy there to meet my health goals.
▼ + stars: | 2024-07-21 | by ( Jamie Killin | ) www.businessinsider.com time to read: +1 min

I work with a functional nutritionist and love shopping at Costco for healthier options. I focus on foods that help me balance my blood sugar with carbs, healthy fats, and protein. AdvertisementAfter working with a functional nutritionist to improve my overall health, I've learned about the importance of keeping my blood sugar balanced by eating a healthy mix of protein, carbs, and fat. According to the CDC, one in three Americans (that's 98 million) have prediabetes because their blood sugar is higher than normal. I don't want to fall down that path, and luckily, my nutritionist helped me find some great Costco products that help me meet my health goals.

Persons: —, I've Organizations: Costco, Service, CDC, Business

☆ I'm happy I was an only child. It made me more independent and I got more financial support from my parents.
▼ + stars: | 2024-07-21 | by ( Sandrine Jacquot | ) www.businessinsider.com time to read: +3 min

When I was a little girl, I used to ask my mom to adopt another child so that I could have an older sister. But once I started to get older (and learned how to be self-conscious), I wanted an older sibling to "show me the ropes," in a sense. And now, as a young woman who successfully (I hope) made it through being a teenager, I'm happy with that. I didn't need an older sibling figure to look up to, or one to look out for me. Even though I'm highly independent, I still ask my parents how to do things (like filing insurance claims).

Persons: I'm, Sandrine Jacquot, I've Organizations: Service

☆ I'm a millionaire, but I'm only leaving my kids a small inheritance. I want them to earn their money like I did.
▼ + stars: | 2024-07-21 | by ( Kelly Burch | ) www.businessinsider.com time to read: +5 min

I want my daughter to experience financial discomfortAbout 20 years ago, I met my wife, another Baha'i from Iran. I believe wealth is only commendable if earnedMost importantly, I want my daughters to work. While I plan to leave my daughters a small inheritance to ensure their financial security, I won't leave them enough money that they don't need to work. I want my children to have enough money to house themselves, get an education, and meet their basic needs. Beyond that, I believe money can corrupt if it's given rather than earned.

Persons: Payam Zamani, we'd, Zamani, I've, they'll Organizations: Service, Business, Group Locations: Iran, Pakistan, San Francisco, San Francisco Bay, America, Czech Republic, Prague, California, New York City, Bay

☆ A Gen X dad who commutes over 10 hours a week to work in a different state says it's advanced his career but takes away from family time
▼ + stars: | 2024-07-21 | by ( Ayelet Sheffey | ) www.businessinsider.com time to read: +4 min

Jae Kim has come to terms with driving over 700 miles each week to get to work. He decided to make the move and figure out his work situation once his family was settled. Eight years later, he's still driving about five hours there each week to get to the office and five hours back home. BI previously spoke to Dennis Dabney, a Gen X dad who flies weekly from Texas to Arizona for work. He recommends that anyone considering a long commute go into it "with eyes wide open" because it's not for every family situation.

Persons: Jae Kim, Kim, he's, I've, there's, I'm, Dennis Dabney, Dabney, it's Organizations: Service Locations: Auburn , Alabama, South Carolina, Alabama , South Carolina, Georgia, Alabama, Texas, Arizona

☆ A boomer gets just $1,056 a month in Social Security and works as a bus driver: 'I don't see myself being able to retire, but I'm grateful and healthy'
▼ + stars: | 2024-07-21 | by ( Noah Sheidlower | ) www.businessinsider.com time to read: +6 min

Read previewEmma Echols, 68, lives off $1,056 a month in Social Security and a part-time bus driver job in Alabama. Echols has worked since she was 12, working as a chef, a convenience store general manager, and a bus driver. "I always wanted to earn my own money," Echols said. "I always wanted to work, and at the age of 14, someone started my Social Security records for me. AdvertisementHer Social Security is $1,056 a month, a 25% reduction from her potential full benefit because she accepted payments early.

Persons: —, Emma Echols, she's, Echols, I've, hasn't Organizations: Service, Social Security, Business, Survey, Security Locations: Alabama

☆ Biden endorses Kamala Harris after dropping out of the race
▼ + stars: | 2024-07-21 | by ( Bryan Metzger | ) www.businessinsider.com time to read: +1 min

Biden endorsed Vice President Kamala Harris to be the 2024 presidential nominee. "It's time to come together and beat Trump," Biden said. AdvertisementMinutes after announcing his decision to withdraw from the 2024 presidential race, President Joe Biden endorsed Vice President Kamala Harris to replace him as the Democratic nominee. "My very first decision as the party nominee in 2020 was to pick Kamala Harris as my Vice President. "Today I want to offer my full support and endorsement for Kamala to be the nominee of our party this year.

Persons: Biden, Kamala Harris, Harris, —, Joe Biden, it's, I've, Kamala Organizations: Trump, Service, Democratic, Business

☆ I took a $185 ferry to the Florida Keys for a day trip. It was great despite a few small issues.
▼ + stars: | 2024-07-21 | by ( India Amos | ) www.businessinsider.com time to read: +1 min

I took the Key West Express, a ferry that transports riders from Florida's Gulf Coast to Key West. Even so, this 3-½-hour ferry ride was pretty nice and more convenient than drivingSign up to get the inside scoop on today’s biggest stories in markets, tech, and business — delivered daily. And with so many great options for day trips, it's no surprise people are moving to Florida en masse. Recently, I took my first trip to Fort Myers, where the Key West Express ferry transports travelers from the Gulf Coast to Key West. Driving from Fort Myers to Key West can take more than five hours, so I wanted to see if this 3-½ -hour ferry ride was a good alternative.

Persons: —, I've, it's Organizations: Key West, Service, Key West Express, Business Locations: Gulf, Miami, Florida, Fort Myers, Key

☆ I moved home after college to live with my parents, 3 siblings, and grandpa. It's crowded, but I'm saving money while looking for a job.
▼ + stars: | 2024-07-20 | by ( Luke Macy | ) www.businessinsider.com time to read: +4 min

Read previewIt's hard to feel like you're moving backward in life, but it's a little easier when you're supported by the people you love. Without a job lined up and very little in my savings, I resorted to moving back in with my parents. My parents don't charge me rentIn the spring, I was hopeful about a few jobs, but they didn't work out. We don't always see eye-to-eye, and it's almost impossible not to feel drowned out when I'm younger and in the household's minority viewpoint. They're available to talk about my day, give me advice, or comfort me when I'm really struggling with the job search.

Persons: —, they'd, It's, I've, Luke Macy, Luke Macy It's, I'm, we'll Organizations: Service, Business, Trump, Republican

☆ 26-year-old won the NYC housing lottery, pays $881/month for a 1-bedroom apartment: How the process works
▼ + stars: | 2024-07-20 | by ( Celia Fernandez | ) www.cnbc.com time to read: +10 min

Nahjae Olin won the NYC housing lottery in 2023 and signed a lease on a one-bedroom apartment in the Bronx. She and five of her siblings grew up in a one-bedroom apartment just one block away from the place she now calls home. Molly Stromoski for NYC Department of Housing Preservation & DevelopmentThe New York City housing lottery program helps residents find affordable housing, including rent-stabilized apartments. NYC Housing ConnectThe average ratio for HPD's housing lottery is 50 applications for each available unit. Before winning her housing lottery apartment, Nkenge lived in a small one-bedroom in Harlem.

Persons: Nahjae Olin, Olin, Molly Stromoski, Emily Osgood, Osgood, you've, It's, she'd, . Olin, I'm, Development Olin, you'll, Nkenge, Mickey Todiwala, That's, I've Organizations: CNBC, NYC Department of Housing Preservation, New, of Housing Preservation, Development, Yorkers, AMI, Housing, . Locations: Bronx, Bronx , New York City, New York City, New York, housingconnect.nyc.gov, Brooklyn, Williamsbridge, U.S, Harlem, Manhattan, Nkenge's

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