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☆ Openness in AI is necessary to promote fair and competitive markets, said FTC's Lina Khan
▼ + stars: | 2024-07-25 | by ( Sri Muppidi | ) www.businessinsider.com time to read: +6 min

"These conditions have allowed, in some instances, the biggest technology companies to get a layup in the AI space," Khan said. In particular, Khan called for AI models' weights to be publicly available. In the age of AI, Khan said both consumers and enterprises are uncertain of their data's protections when using foundation models. "We only focus on deals that have problems…it's a narrow set of deals that satisfy a narrow set of criteria." In March, Microsoft paid $650 million in a licensing deal to Inflection AI, an emerging OpenAI rival, to use its AI models and hire most of its employees.

Persons: —, Lina Khan, Khan, We've, you've, Jonathan Kanter, Kevin Dietsch, Kanter, execs Organizations: Service, Federal Trade Commission, FTC, Big Tech, Microsoft, Google, Business, Meta, Antitrust, Department of Justice, DOJ, Apple, Tech, New York VC, YC, Amazon Locations: OpenAI, America

☆ Zuck says he used to be awkward but is getting 'more comfortable just being me' as he gets older
▼ + stars: | 2024-07-25 | by ( Beatrice Nolan | ) www.businessinsider.com time to read: +1 min

Mark Zuckerberg says he's becoming more comfortable with himself as he gets older. The Meta CEO reflected on his early-career awkwardness in a recent Threads reply. The Meta CEO, who turned 40 in May, recently replied to a Threads post commenting on his evolving public persona. In a response to the post, Zuckerberg said when he was 19 years old he "didn't know anything about running a company, communicating publicly, etc." This story is available exclusively to Business Insider subscribers.

Persons: Mark Zuckerberg, he's, Zuckerberg, — Organizations: Service, Facebook, Business

☆ My husband and I have been taking psychedelics together for 50 years. It's the secret to our long-lasting marriage.
▼ + stars: | 2024-07-24 | by ( Louisa Rogers | ) www.businessinsider.com time to read: +5 min

There could be risks involved with using psychedelics, and research is still being done to evaluate therapeutic uses. Barry, now my husband, was the person who introduced me to LSD almost 50 years ago when I was 23. Barry and I use psychedelics on average two or three times a year. For example, not long ago, we thought we'd take acid while camping in southern Oregon, but I got poison oak. They really are the key to the success of our long-lasting marriage.

Persons: Barry, Barry scribbled, Louisa, Sarah Louisa, Michael Pollan, Psychedelics, I've, —, it's Organizations: Service, Business Locations: Manning, British, Oregon

☆ Delta is finally starting emerging from chaos. Why didn’t it learn from Southwest’s meltdown?
▼ + stars: | 2024-07-24 | by ( Elisabeth Buchwald | ) edition.cnn.com time to read: +5 min

The situation finally appeared to be returning to normal Wednesday: Delta canceled only 51 flights as of 6 am ET, according to tracking service FlightAware, or only about 1% of its schedule. But it could still take days to get all Delta passengers who had been booked on those canceled flights to where they wanted to go. Delta passengers try to find their bags after canceled and delayed flights at Hartsfield-Jackson Atlanta International Airport on Monday. But it’s not like Delta executives were sitting on the sidelines during Southwest’s struggles thinking, “’Well we really are an amazing airline. Travelers wait in line at the Southwest Airlines ticketing counter at Nashville International Airport after the airline canceled thousands of flights in Nashville, Tennessee in December 2022.

Persons: New York CNN — It’s, Delta, Jessica McGowan, Kathleen Bangs, Ed Bastian, it’s, ’ ” Bangs, Seth Herald, We’ve, Chris Perry, Bangs, she’d, aren’t, ” Organizations: New, New York CNN, Delta Air Lines, Delta Connection, Delta, Department of Transportation, Hartsfield, Jackson Atlanta International Airport, CNN, “, Southwest Airlines, Nashville International, Getty, Southwest Locations: New York, Atlanta, Southwest, Nashville , Tennessee, AFP

☆ Alphabet's earnings show investors are impatient for the data on AI returns. No one has the answer yet.
▼ + stars: | 2024-07-24 | by ( Katherine Tangalakis-Lippert | ) 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 previewIn Tuesday's earnings call, investors repeatedly pressed Alphabet's leadership team for more information about how its AI initiatives are performing and how they would generate revenue, but executives remained tight-lipped. In April the CEO of Google DeepMind, Demis Hassabis, said that Google plans to invest more than $100 billion over time to develop AI technology. Advertisement"On the cloud and AI stuff, you know, it's obviously, you know, you know, something which I think will end up being a big driver over time," Pichai said. The company's cloud business crossed $10 billion in revenue for the first time, reaching $10.3 billion — fueled in part by AI demand, Pichai said.

Persons: —, Sundar Pichai, Philipp Schindler chimed, Pichai, Schindler, Demis Hassabis Organizations: Service, Business, Google, AIs, YouTube

About Washington State Employees Credit UnionWashington State Employees Credit Union is a community development financial institution (CDFI) with 24 branches throughout Washington. How Washington State Employees Credit Union ComparesWashington State Employees Credit Union vs. Kitsap Credit UnionKitsap Credit Union is another CDFI in Washington. Washington State Employees Credit Union vs. Gesa Credit UnionGesa Credit Union has around 30 branches in Washington and is also certified as a CDFI. Why You Should Trust Us: How We Reviewed Washington State Employees Credit UnionFor our Washington State Employees Credit Union review, we rated bank products and services using our editorial standards. Washington State Employees Credit Union FAQsIs Washington State Employees Credit Union a good credit union?

Persons: you'll, It's, Banks, Washington State Employees Credit Union hasn't Organizations: Washington State Employees Credit Union, Employee Credit Union, Washington State Employees Credit, Washington, Employees Credit Union, Washington State Employees Credit Union Washington State Employees Credit Union, Google, Apple, Community Development Financial, US Department of Treasury's, Financial, Fund, of Washington and, Better, BBB, Kitsap Credit Union Kitsap Credit Union, Kitsap Credit Union, Gesa Credit Union Gesa Credit Union, Gesa Credit Union, Credit Union, Gesa Credit Union Gesa Credit, Chevron Locations: Washington, Chevron, Schools Washington, Idaho, Oregon

(This is CNBC Pro's live coverage of Wednesday's analyst calls and Wall Street chatter. "At this point, we believe EPS and investor sentiment have troughed and believe the risk-to-reward profile skews favorable," wrote analyst Nik Modi. "However, with minimal upside to our revised $47 price target and a relatively 'balanced' risk-reward between our $28 bear case …. –Samantha Subin 5:54 a.m.: Wall Street stands by Alphabet, AI potential post-earnings Wall Street analysts remain bullish on the outlook for Alphabet , even after the stock fell on the back of its second-quarter results. His price target of $425, up from $320, implies upside of more than 28% from Tuesday's close.

Persons: Goldman Sachs, Lauder, Estee Lauder, Nik Modi, Modi, Estee, – Samantha Subin, Morgan Stanley downgrades, Morgan Stanley, Adam Jonas, Jonas, Samantha Subin, Dan Levy, Tesla, Michaeli, Bernstein's Toni Sacconaghi, Mark Delaney, GOOGL, Doug Anmuth, Justin Post, Eric Sheridan, Brent Thill, Sheridan, Fred Imbert Organizations: CNBC, Spotify, RBC, Markets, Motors, GM, General Motors, Tesla, Barclays, YouTube, Bank of America, Google, Jefferies Locations: China, 1H25, Tuesday's

☆ How CrowdStrike caused a global IT meltdown and what comes next
▼ + stars: | 2024-07-24 | by ( Arjun Kharpal | ) www.cnbc.com time to read: +24 min

But this was not a Microsoft issue. Tom ChittyWe're going to talk more about who CrowdStrike are, I think, you know, some people would probably never have heard of CrowdStrike. Lots and lots and lots of global businesses rely on CrowdStrike for their security. I had first seen that and thought it was a Microsoft issue, the reason why Windows crashed on my PC. It was a CrowdStrike issue.

Persons: Tom Chitty, We'll, I've, Arjun Kharpal, you've, Tom Chitty We're, let's, Arjun Kharpal CrowdStrike, George Kurtz, Kharpal, CrowdStrike, they're, it's, they've, Tom Chitty Well, what's, Arjun Kharpal We'd, Iyou, It's, who've, there's, Ciaran Martin, Patrick Anderson, Arjun, Tom, Tom Chitty We'll Organizations: Microsoft, Industries, CNBC, Netflix, NBC, Sky News, Tom Chitty Airlines, Civil Aviation, CrowdStrike, U.S, Board, U.S . Homeland Security Department, Google, National Cybersecurity Center, Anderson Economic Group, CNN Locations: U.S, beyondthevalley@cnbc.com, CNBC's London, London, Europe, China, Russia, Arjun Kharpal China, Moscow, what's, Michigan

How Commercial Bank and Trust Company worksCommercial Bank and Trust Company is a community development financial institution with five locations in Monticello, Arkansas. Commercial Bank and Trust trustworthiness and BBB ratingCommercial Bank and Trust Company hasn't been involved in any recent public controversies. Commercial Bank and Trust Company vs. Simmons BankWe compared Commercial Bank and Trust Company to another bank with branches in Arkansas: Simmons Bank. You'll also earn a high interest rate with the Commercial Bank and Trust Company savings account than with the Southern Bancorp savings account. When a bank is federally insured, up to $250,000 is secure in an individual bank account, and $500,000 is safe in a joint bank account.

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But it's possible to help your child build a solid credit profile without putting your own credit health on the line. Remember, if an authorized user account is added to your child's credit reports, it has the potential to boost or damage your child's credit scores. A student credit card or a secured credit card can potentially be a good fit for young people who want to establish credit on their own. Can my child build credit without a credit card? Yes, you can build credit for your child without a credit card by using other methods like student loans and certain types of utility payments.

Persons: you'll, it's, you've, they're, It's Organizations: Social, American, Self Locations: Equifax, Chevron

☆ Mark Zuckerberg is tired of playing by Apple's rules
▼ + stars: | 2024-07-24 | by ( Jaures Yip | ) www.businessinsider.com time to read: +4 min

Read previewMark Zuckerberg sounds tired of having to navigate Apple's restrictions. "One of my formative experiences has been building our services constrained by what Apple will let us build on their platforms," Zuckerberg wrote. Zuckerberg expanded on his critique of Apple in an interview with AI news YouTuber Rowan Cheung, also published Tuesday. "Compared to the Apple approach of coupling your operating system with the device, the Windows approach was a more open ecosystem," he said. AdvertisementAnd Zuckerberg hopes Meta will also be on the winning side.

Persons: —, Zuckerberg, OpenAI, Rowan Cheung, doesn't, David Wehner, Zuck, Meta, I've Organizations: Service, Apple, Business, Meta, Apple Intelligence

☆ How Truth Social could make former President Trump billions before turning a profit
▼ + stars: | 2024-07-24 | by ( Carlos Waters | In Carloswaters | ) www.cnbc.com time to read: +2 min

Truth Social is a social media platform whose majority owner is former President Donald Trump. The public has limited access to Truth Social's usage data, which drives advertising sales, a key metric for success at Truth Social. Truth Social's parent company, Trump Media & Technology Group, is the product of a blank-check merger with a special purpose acquisition company, or SPAC, which was completed in March 2024. Securities and Exchange Commission filings for Trump Media & Technology Group mention a variety of risks, including that it could potentially fail to live up to its promise to generate users and advertisers. Watch the video above to learn more about Truth Social and its parent company, Trump Media & Technology Group.

Persons: Donald Trump, Michael Klausner Organizations: Truth, CNBC, Trump Media & Technology Group, Trump, TMTG's, Acquisition Corporation, Investors, Stanford Law School, Securities, Exchange, Trump Media & Technology, Social

☆ Goldman Sachs says this audio streaming giant is primed to rally nearly 30%
▼ + stars: | 2024-07-24 | by ( Pia Singh | ) www.cnbc.com time to read: +2 min

Goldman Sachs is turning bullish on Spotify after its solid earnings report this week. Analyst Eric Sheridan upgraded the streaming stock to buy from neutral and raised his 12-month price target by $105 to $425, suggesting nearly 29% potential upside. Spotify reported record quarterly earnings on Tuesday that sent shares up nearly 12%, marking the stock's biggest one-day gain since January 2023. He anticipates the upside scenario would be for the company to repurchase as much as roughly 25% of its current market cap through 2029. Sheridan expects Spotify could also see compounding revenue growth in the mid-teens in the next three to five years.

Persons: Goldman Sachs, Eric Sheridan, Sheridan Organizations: Spotify, Sheridan

The American Airlines AAdvantage® MileUp® is best for people who travel infrequently or are just beginning to collect American Airlines miles. Citi AAdvantage MileUp card RewardsHow to Earn Miles With the Citi AAdvantage MileUp CardThe American Airlines AAdvantage® MileUp® doesn't have a lot of bonus spending categories, but its structure is straightforward. Cardholders earn:2 miles per dollar on eligible American Airlines purchases (including AA.com, American Airlines reservations, American Airlines Admirals Club, American Airlines Vacations, and American Airlines airport and city ticket counters)2 miles per dollar at grocery stores (supermarkets, freezer/meat locker provisioners, dairy product stores, miscellaneous food /convenience stores, markets, specialty vendors, and bakeries)1 mile per dollar on all other eligible purchasesHow to Use American Airlines MilesAmerican Airlines miles are easy to use for the most part. AAdvantage MileUp Card Benefits and FeaturesThe American Airlines AAdvantage® MileUp® doesn't have many stand-out benefits. The discount is valid on American Airlines flights, plus American Airlines-marketed flights on Envoy Air, Republic Airways, SkyWest Airlines, Mesa Airlines, PSA Airlines, and Piedmont Airlines.

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Navy Federal Flagship Rewards Credit Card ReviewIn a sea of travel credit cards, the Navy Federal Credit Union Visa Signature® Flagship Travel Rewards Credit Card is a standout product for its affordability and value. If you are indeed a Navy Federal Credit Union member, the Navy Federal Credit Union Visa Signature® Flagship Travel Rewards Credit Card is the top-tier offering. Navy Federal Flagship Rewards Card ComparisonNavy Federal Credit Union Flagship Rewards Card vs. Navy Federal Credit Union cashRewards Credit CardThe Navy Federal Credit Union cashRewards Credit Card is another option from Navy Federal, with a $0 annual fee and a welcome bonus of $300 cash back when you spend $3,000 within 90 days of account opening plus a one-time $98 statement credit when you pay $49 or more for an annual Walmart+ membership (offer valid for accounts applied by 10/09/2024). Read our Navy Federal Credit Union cashRewards Credit Card reviewNavy Federal Credit Union Flagship Rewards Card vs. Chase Sapphire PreferredThe Navy Federal Credit Union Visa Signature® Flagship Travel Rewards Credit Card has a lower annual fee than the Chase Sapphire Preferred® Card, which charges $95 per year. Read our Chase Sapphire Preferred Card reviewNavy Federal Flagship Rewards Card Frequently Asked QuestionsWho is eligible for the Navy Federal Flagship Rewards card?

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Bank of America Unlimited Cash Rewards Credit Card for Students OverviewIf you prefer a credit card with a simple rewards structure over one that maximizes your return on spending, then the Unlimited Cash Rewards Credit Card for Students is a good fit. If your credit falls short, consider other options like a secured credit card or a starter credit card that gives you a better shot at approval. Bank of America Unlimited Cash Rewards for Students Benefits and FeaturesLike most student credit cards, the Unlimited Cash Rewards Credit Card for Students doesn't come with high-value benefits like travel insurance or airport lounge access. Bank of America Unlimited Cash Rewards for Students Annual Fee and Other CostsThe Unlimited Cash Rewards Credit Card for Students has no annual fee, but it does impose several other fees. Methodology: How We Reviewed the Bank of America Unlimited Cash Rewards for StudentsWe compared the Bank of America Unlimited Cash Rewards Credit Card for Students to similar student and 0% APR credit cards from Bank of America and other card issuers, and evaluated several factors, including:Rewards earning potential — Does the card earn rewards at competitive rates?

Persons: it's, Cash, cardholders, Merrill, You'll, you've, doesn't, you'll, Uber Organizations: Business, Bank of America, of America, Students, Capital, Walmart, Card

☆ Spotify reports record quarterly earnings
▼ + stars: | 2024-07-23 | by ( ) www.cnbc.com time to read: +2 min

Spotify posted a record quarterly profit slightly ahead of analyst expectations on Tuesday, pushing its shares up more than 14% in premarket trading. In the second quarter of 2024, the number of paying Spotify subscribers rose to 246 million, slightly above expectations. Profit rose 45% from a year earlier to 1.11 billion euros ($1.21 billion), slightly above analysts' expectations for 1.07 billion euros. Revenue rose 20% to 3.81 billion euros for the second quarter of 2024, fractionally below analysts' estimates of 3.82 billion euros. Spotify previously said it aimed to reach 631 million monthly active users (MAUs), but only reached 626 million for the quarter.

Persons: Daniel Ek, Simon Dyson, it's Organizations: Spotify, Reuters Locations: Swedish, LSEG

☆ Stocks making the biggest moves midday: Spotify, United Parcel Service, Pentair and more
▼ + stars: | 2024-07-23 | by ( Sean Conlon | ) www.cnbc.com time to read: +5 min

United Parcel Service — The package delivery company plunged more than 12%, hitting a new 52-week low, after posting a miss on both top and bottom lines in the second quarter. Pentair beat expectations for the second quarter, posting earnings of $1.22 per share, excluding items, compared to the FactSet consensus estimate of $1.14 per share. NXP Semiconductors posted adjusted earnings of $3.20 per share, which was below the LSEG consensus estimate of $3.21 per share. Inter Parfums — The stock jumped more than 6% after the fragrance manufacturer posted record net sales for the second quarter. The regional bank earned $1.28 per share, above the consensus estimate of $1.10 a share from analysts polled by LSEG.

Persons: LSEG, MSCI, FactSet, Pentair, Danaher, Rainer Blair, Sherwin, Williams, Lockheed Martin, —, Alex Harring, Yun Li, Hakyung Kim Organizations: Spotify, United Parcel Service, UPS, Revenue, NXP, Crown Holdings, Inter, Comcast —, LSEG, General Motors, Buick, GE Aerospace, Lockheed, Comcast, CNBC Locations: U.S, Michigan

☆ What Google's decision to keep cookies means for the internet
▼ + stars: | 2024-07-23 | by ( Ryan Browne | ) www.cnbc.com time to read: +7 min

In this article GOOGL Follow your favorite stocks CREATE FREE ACCOUNTGoogle announced in a surprise move that it would reverse its years-long plan to phase out third-party cookies. The U.S. internet giant said late Monday it is reversing a long-planned move to ditch third-party cookies — the critical text files that track users' web activity for advertisers. And what does Google's decision mean for how you interact with the web moving forward — or, for that matter the advertising industry? Roughly 40.9% of websites globally use cookies to gather data on users, according to data from W3Techs, a web technology research firm. This issue forms the main reason why Google has now decided to terminate its planned depreciation of third-party cookies.

Persons: Daniel Acker, Matthew Holman, Cripps, it's, Google's, Steve Silvers, there's, Silvers, Authority —, Vasiliki, Makou, Jennifer Elias Organizations: Google, Bloomberg, Getty, CNBC, Competition, Authority, ICO, Data Locations: U.S, W3Techs, Europe, London

Get up to $200 back each year on eligible Hilton purchases after you use your Hilton Honors American Express Surpass® Card. Enjoy complimentary Hilton Honors ™ Gold Status with your Hilton Honors American Express Surpass® Card. Hilton Surpass Card Review: Is It the Best Credit Card for You? Enjoy complimentary Hilton Honors ™ Gold Status with your Hilton Honors American Express Surpass® Card. So, for example, if you already have The Hilton Honors American Express Business Card, Hilton Honors American Express Card, or Hilton Honors American Express Aspire Card, you could still qualify for the Hilton Honors American Express Surpass® Card.

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The information for the following product(s) has been collected independently by Business Insider: U.S. Bank Shopper Cash Rewards™ Visa Signature® Card, U.S. Bank Cash+® Visa Signature® Card. U.S. Bank Shopper Cash Rewards Card ReviewCash-back cards are some of the best credit cards out there, and the brand-new U.S. Bank Shopper Cash Rewards could be a new crowd favorite. U.S. Bank Shopper Cash Rewards Card Benefits and FeaturesLED TechnologyIn a unique twist, U.S. Bank is piloting a version of the U.S. Bank Shopper Cash Rewards that has LED-powered technology built into the card's plastic. U.S. Bank Shopper Cash Rewards Card Fees and CostsThe U.S. Bank Shopper Cash Rewards has a 18.74-28.74% Variable APR. U.S. Bank Shopper Cash Rewards Card ComparisonWe compared the U.S. Bank Shopper Cash Rewards to other popular cash-back cards to see how they stack up in terms of rewards and benefits.

Persons: cardholders, you'll, you’ve, takeout, Williams, Cardholders, Uber, You'll Organizations: Business Insider, U.S . Bank, Bank, . Bank, Walmart, Target, Business, EV, Amazon, Cash, U.S, Bank Rewards, Visa, Service, American Express, ® Wells, Chase Travel, Home, Ikea, Sonoma, Emergency, Capital, Disney Locations: U.S, Chevron

Wells Fargo Autograph Card OverviewThe Wells Fargo Autograph℠ Card offers various benefits including cellphone protection and car rental insurance. How the Wells Fargo Autograph Card ComparesWells Fargo Autograph℠ Card vs. Wells Fargo Active Cash® CardThe Wells Fargo Active Cash® Card is another very popular Wells Fargo credit card. Wells Fargo Autograph℠ Card vs. Wells Fargo Autograph Journey℠ CardThe Wells Fargo Autograph Journey℠ Card is the newest iteration of this popular travel rewards card. Despite the $95 annual fee, the Wells Fargo Autograph Journey℠ Card offers significantly more perks for frequent travelers than the Wells Fargo Autograph℠ Card. Wells Fargo Autograph Card Frequently Asked QuestionsIs the Wells Fargo Autograph card worth it?

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The information for the following product(s) has been collected independently by Business Insider: U.S. Bank Cash+® Visa® Secured Card, U.S. Bank Cash+® Visa Signature® Card. U.S. Bank Cash Plus Secured Card Annual Fee and Other CostsThe U.S. Bank Cash+® Visa® Secured Card is a $0-annual-fee card. U.S. Bank Cash+ Visa Secured Card ComparisonU.S. Bank Cash+ Visa Secured Card vs. U.S. Bank Secured Visa CardThe U.S. Bank Secured Visa® Card has fewer frills than the U.S. Bank Cash+® Visa® Secured Card; you won't earn any rewards on your spending, and as far as extra benefits go, you get free access to your credit score and that's about it. Read our U.S. Bank Secured Visa Card reviewU.S. Bank Cash+ Visa Secured Card vs. U.S. Bank Cash+ Visa Secured Card Frequently Asked QuestionsIs the U.S. Bank Cash Plus Visa Secured Card worth it?

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Compare the Top Bank Accounts for College StudentsWe researched over a dozen banks to find the best checking accounts and savings accounts for college students. Determine if you want a bank account specifically for college students or a standard bank account. The bank account agreement shares details about the bank account, like the opening requirements, minimum balance requirements, and interest rate. Best Bank Accounts for College Students FAQsWhat makes a bank account student-friendly? We researched more than a dozen bank accounts at brick-and-mortar banks, online banks, credit unions, and online banking platforms to find the strongest bank accounts ideal for college students.

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Compare First National Bank of America accounts First National Bank of America Statement Savings AccountFirst National Bank of America Personal Checking AccountFirst National Bank of America CDFirst National Bank of America HomeTowne Checking Money Market Account Chevron icon It indicates an expandable section or menu, or sometimes previous / next navigation options. First National Bank of America FAQsIs First National Bank of America legit? Methodology: How We Reviewed First National Bank of AmericaFor our First National Bank of America review, we used our bank account methodology to determine ratings. How First National Bank of America ComparesFirst National Bank of America vs. Huntington BankIf you're looking for a competitive interest rate on a CD, First National Bank of America is likely a better fit. First National Bank of America vs. ChaseIf you're looking for a competitive interest rate on a CD, First National Bank of America is likely more suitable than Chase.

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