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☆ Constellation delivers beer profits, but weakness in wine prompts a downgrade
▼ + stars: | 2024-07-03 | by ( Zev Fima | ) www.cnbc.com time to read: +7 min

Constellation Brands reported an earnings beat on Wednesday that was driven by strength in its beer business. Constellation Brands Why we own it : We like Constellation Brands for its beer franchise, which includes popular Mexican brands Modelo, Corona and Pacifico. We would like Constellation to concentrate on beer and divest its wine and spirits business. We were again pleased to see that the increase in beer sales was driven by strong growth in shipment volume. Net sales are expected to increase 6% to 7%, driven by 7% to 9% growth in beer.

Persons: Bill Newlands, outperformance, Depletions, Jim Cramer's, Jim Cramer, Jim, Justin Sullivan Organizations: Constellation Brands, Modelo, Anheuser, Busch Inbev, Molson Coors, Management, Modelo Especial, Modelo Chelada, Guidance Management, Enterprise, Jim Cramer's Charitable, CNBC Locations: Corona, Pacifico, Covid, U.S, San Rafael , California

☆ Where did all the lifeguards go?
▼ + stars: | 2024-07-03 | by ( Kelli María Korducki | ) www.businessinsider.com time to read: +11 min

My girlfriends, a year or two older, were most interested in catching the eye of the male lifeguards. The swim disparities also influenced the scope of a lifeguard's job. While the lack of qualified lifeguards may partly stem from this problem, getting more lifeguards on stands could turn things around. As we enter our fourth year without enough lifeguards, it's hard to imagine them retaking the podium as the cultural idol of American summer. When more cities prioritize safe water access for the masses — and pay lifeguards accordingly — the mighty lifeguard just may rise again.

Persons: Marco Polo, I'd, fawning, Wyatt Werneth, Werneth, —, Jessi Adler, Adler, hasn't, lifeguarding, Jason Russell, it's, Russell, Jeff Wiltse, Wiltse, KENA BETANCUR, Suburbanites Organizations: American Lifeguard Association, Getty, Lyndon, Johnson, SUNY Empire State, World, Association, American, of Public Health, New, Civil Rights Movement, Employers Locations: Milwaukee, America, Southern California, Michigan, Central Texas, Canada, New York City, Chicago, Denver, Baltimore, San Antonio

Marriott doesn't have a maximum number of free nights allowed for each reservation, so one night will be free for every five booked. Below, you can see that the second night is the free night, as it was the first night listed at the lowest rate. The caveat with this program is that you have to hold one of its three credit cards: the IHG One Rewards Traveler Credit Card, IHG One Rewards Premier Credit Card, or IHG One Rewards Premier Business Credit Card. Courtesy of Taryn WilliamsHow I stay for free with HiltonLike Marriott, Hilton offers a fifth night free. Each Hilton credit card comes with a different level of status depending on the fee, but the basic Hilton Honors American Express Card has no annual fee and comes with the necessary silver status.

Persons: Taryn Williams, IHG, Hilton, I've Organizations: Service, Business, Hilton, IHG, Marriott, South America —, Business Credit, Hilton Honors Locations: Uruguay, South America, Montevideo, IHG

That's why I've gathered the best Independence Day deals to help make shopping easier. The best Independence Day mattress salesMattress stores love an occasion to hold a sale, and the 4th of July is no exception. For the holiday, prices match those we saw during Presidents Day and Memorial Day from Leesa, Casper, and Mattress Firm. Amerisleep : Get $500 off any mattress with the promo code JULY500: Get $500 off any mattress with the promo code Awara : Get up to 50% off mattresses. The best Independence Day tech salesWhen it comes to tech like TVs, smart speakers, and headphones, you're probably better off waiting for Amazon Prime Day coming on July 16.

Persons: I've, I'd, Burrow, Lily, That's, Eddie Bauer Organizations: Business, Amazon, Independence, Amazon Prime, Mattress, Luxe, Abt, eBay, GE, LG Locations: Thermacell, Leesa, Casper

☆ Biden's path to victory is much narrower following his debate disaster with states like New Mexico and Virginia suddenly in play for Trump
▼ + stars: | 2024-07-03 | by ( Brent D. Griffiths | ) www.businessinsider.com time to read: +6 min

Under the University of Virginia Center for Politics' current projections, there are five true toss-up states: Michigan, Wisconsin, Pennsylvania, Arizona, and Nevada. The reality is that if Biden is stuck playing defense in states Democrats usually win, Trump's return to the White House will be a foregone conclusion. The only question then will be how many Electoral College votes would the former president win. "If Biden's position gets worse, that's when you see maybe a Virginia or New Mexico get in play," Kondik said. Virginia, New Hampshire, New Mexico, or Minnesota are not going to be the states that put Trump over 270.

Persons: Joe Biden's, Nate Silver, Biden, hadn't, Trump, Crystal Ball, Kyle Kondik, Kondik, Ball, hasn't, George H.W, George H.W . Bush, Robert F, Kennedy Jr, Jen O'Malley Dillon, O'Malley Dillon, There's, Trump's, Harry Enten, Biden's, 8KhJEsd8Dc —, Kamala Harris, Gretchen Whitmer, Gavin Newsom, Lloyd Doggett, we're Organizations: Service, Nebraska, Trump, Business, Sun, Lean, University of Virginia Center, Politics, Electoral College, Republican, Saint Anselm College, Biden, Independent, Granite, Democratic National Convention, California Gov Locations: Michigan , Wisconsin, Omaha, Midwest, Arizona, Georgia, Michigan, Minnesota, Michigan , Wisconsin , Pennsylvania, Nevada, Virginia, New Mexico, Maine, Nebraska, George H.W ., New Hampshire, Granite State, Florida, Texas, Virginia , New Hampshire , New Mexico

☆ How much you need to save each month to retire with $1.46 million on a $50,000 salary
▼ + stars: | 2024-07-03 | by ( Cheyenne Devon | ) www.cnbc.com time to read: +1 min

The amount of money Americans think they'll need to spend their post-work years in comfort keeps rising. On average, Americans say they'll need around $1.46 million to retire comfortably, according to Northwestern Mutual's 2024 Planning and Progress study. And younger generations think they'll need even more. Gen Z, defined as people between the ages of 18 and 27, say they'll need around $1.63 million, according to the study. Millennials, defined as those 28 to 43, expect they'll need $1.65 million.

Persons: Aditi Javeri Gokhale, Northwestern Organizations: CNBC Locations: Northwestern

This should remove some upward pressure off of mortgage rates and allow them to trend down a bit. See more mortgage rates on Zillow Real Estate on ZillowMortgage CalculatorUse our free mortgage calculator to see how today's mortgage rates would impact your monthly payments. Mortgage Rates for Buying a Home30-Year Fixed Mortgage Rates Tick Up (+0.20%)The current average 30-year fixed mortgage rate is 6.73%, up 20 basis points from where it was this time last week, according to Zillow data. 15-Year Fixed Mortgage Rates Rise (+0.17%)The average 15-year mortgage rate is 6.12%, 17 basis points higher than last week. Mortgage Refinance Rates30-Year Fixed Refinance Rates Increase Slightly (+0.11%)The average 30-year refinance rate is 7.81%, 11 basis points up from last week.

Persons: you'll, It's, refinance Organizations: Investors, Federal Reserve, Zillow, FHA Locations: Chevron

☆ We're paying for private school for our son, but we won't pay for college
▼ + stars: | 2024-07-03 | by ( Laura Niebauer Palmer | ) www.businessinsider.com time to read: +4 min

As we entered the kindergarten room on a tour of our local public school, the entire class was wearing headphones and engrossed in their tablets. Related storiesI knew that moving him into our local public school setting would be at odds with who he is naturally and would be like trying to fit a square peg in a round hole. Unfortunately, the local public school system prioritizes teaching to the standardized state test, continuously makes cutbacks to the arts and music programs, and has burgeoning class sizes with too few teachers. AdvertisementInvesting in his education during these crucial formative years makes more sense for our family than paying college tuition, which he may or may not even attend. While we will not pay for his college education, we have set up a custodial account for him, which he will have complete control of upon turning 18.

Organizations: Service, Montessori

☆ China's young people are 'revenge saving' even as Gen Zers around the world are piling up debt
▼ + stars: | 2024-07-02 | by ( Lee Ying Shan | In Ying-Shan-Lee | ) www.cnbc.com time to read: +1 min

Post-pandemic revenge spending is still continuing, but in one part of the world there's something starkly opposite happening — revenge saving. Rather than splurging on impulsive purchases, China's young are saving ferociously as the world's second-largest economy remains in the doldrums. Revenge saving has become a trend on Chinese social media websites, with Chinese youth setting extreme monthly saving targets. "Chinese youth have a revenge savings mentality," said China Market Research Group's Managing Director Shaun Rein. "Unlike youths in the 2010s who often spent more than they earned and borrowed money to buy fancy items like Gucci handbags and Apple iPhone, young Chinese have started saving more," he told CNBC.

Persons: Zhai Zhai, Shaun Rein, Gucci Organizations: Research, CNBC Locations: China

☆ Biden digs his heels in while Trump secures another win
▼ + stars: | 2024-07-02 | by ( Dan Defrancesco | ) www.businessinsider.com time to read: +7 min

In today's big story, we're looking at President Joe Biden showing no signs of giving up his reelection campaign while former President Donald Trump secured a win from the Supreme Court . AdvertisementBiden's campaign has been in full-blown crisis mode after the president's disastrous debate against former President Donald Trump last week. AdvertisementMeanwhile, Trump secured a big win in his immunity case . The Supreme Court ruled that former presidents don't get absolute immunity from criminal charges related to actions under the scope of the presidency, but they do get some. 3 things in techStefani Reynolds/BloombergBig Tech gets a big win from the Supreme Court.

Persons: —, Joe Biden, Donald Trump, he's, Biden, Allison Joyce, Getty, Tyler Le, he'd, it'd, John L, Dorman, Biden's, Manuel Balce Ceneta, Jacquelyn Martin, Kamala Harris, Gavin Newsom, Gretchen Whitmer, Harris, isn't, Trump, don't, Justice Sonia Sotomayor, Alyssa Powell, David Kelly, Jonathan Xiong, Blackstone, Keith Lerner, Truist, Stefani Reynolds, OpenAI, It's, Gen Zers, Kevin Costner's, Kevin Costner, Dan DeFrancesco, Jordan Parker Erb, Hallam Bullock, Annie Smith, Amanda Yen Organizations: Service, Michelin, Business, The New York Times, Biden, Democrats, Trump, Justice, Getty, Citadel, Bloomberg Big Tech, ChatGPT, Atlantic Locations: Manhattan, Asia, Millennium, New York, London

☆ My parents pay my bills ever since I moved back in with them at 25. When I get older, I plan to return the favor.
▼ + stars: | 2024-07-02 | by ( Kaila Yu | ) www.businessinsider.com time to read: +5 min

I'm 25 years old and my parents still pay my bills and rent, which is a big help as I'm in grad school. My parents cover my bills because I'm still in schoolI graduated from Chapman University with a bachelor of arts in psychology in 2023. AdvertisementMy parents still pay most of my bills because I'm a student. One of the main reasons I had to move out of my parent's house was that I didn't want to commute from Los Angeles to Orange County daily during undergrad. I also can't wait to be able to help my parents retire early because they've worked so hard and long.

Persons: —, Nadeshiko Zhang, It's, I'm, they've, they'll, Chapman, I've, he'll, Manseen Logan Organizations: Service, Business, Chapman University, Chicago School, Cal, Sport, FBI Academy Locations: Baldwin Park , California, Anaheim, Los Angeles, Orange County, mlogan@businessinsider.com

☆ How thousands of Americans got caught in fintech’s false promise and lost access to bank accounts
▼ + stars: | 2024-07-02 | by ( Hugh Son | ) www.cnbc.com time to read: +10 min

Craft had her wages deposited directly into a Yotta account and used the startup's debit card to pay for all her expenses. CNBC reached out to fintech customers whose lives have been upended by the Synapse debacle. Instead of spending years and millions of dollars trying to acquire or become banks, startups got quick access to essential services they needed to offer. They account for 60% of all new fintech account openings, according to data provider Curinos. The FDIC's exact language about whether fintech customers are eligible for coverage: "The short answer is: it depends."

Persons: Natasha Craft, Craft, fintech, Adam Moelis, Sankaet Pathak, Michele Alt, Scott Sanborn, Sanborn, LendingClub, she's, Rick Davies, Taylor Stitch, " Davies, He's, he's, Davies, hasn't Organizations: FedEx, CNBC, Federal Deposit Insurance Corp, Synapse, Indiana FedEx, Disney, Bank, Trust, JPMorgan Chase, Klaros, PayPal, Getty, Financial Technology Association, D.C, Block, Regulators, Federal Reserve, FDIC, Oakland, San, OCC Locations: Mishawaka , Indiana, Craft, Oakland , California, New York City, Santa Barbara , California, Maryland, Bristol , Connecticut, Seattle, Tennessee, Yotta, Boston, Washington, fintechs, Silicon, San Francisco

☆ Thousands of homeowners with adjustable-rate mortgages are about to get slammed with higher monthly payments
▼ + stars: | 2024-07-01 | by ( Samantha Delouya | ) edition.cnn.com time to read: +5 min

Unlike the more popular fixed-rate mortgage loans, ARMs can offer temporary relief for homebuyers who want to avoid paying higher mortgage rates — however, they also come with risk. That means when mortgage rates increase, many ARM loan holders, like Hernandez, experience the unpleasant shock of significantly higher monthly home payments. Mortgage rates have remained elevated, adding fuel to one of the most unaffordable housing markets in decades. To Hernandez, it made little sense to refinance the loan while the 30-year fixed mortgage rate remains higher than her new adjusted rate. Marquis said that taking out an ARM loan might be worthwhile for those with a higher risk appetite.

Persons: Jennifer Hernandez, Houston, Hernandez refinanced, homebuyers, , Hernandez, Lorriane Jones, “, blindsided, ”, I’ve, “ I’ve, ” Andrew Marquis, ” Marquis, Marquis, hasn’t, “ I’m Organizations: CNN, ARM, Intercontinental Exchange, ICE, Mortgage, Association, Federal Reserve Locations: Southern California, Lexington , Massachusetts

☆ Gen Zers in a survey said they need $200,000 a year to feel financially secure — more than any other generation
▼ + stars: | 2024-07-01 | by ( Juliana Kaplan | Ayelet Sheffey | ) www.businessinsider.com time to read: +4 min

Americans think they need a whole lot more money than they're making to feel comfortable, according to a new survey. The latest survey from Bankrate, which polled 2,407 US adults from May 16 to 20, looks at how much Americans think they need to make to feel financially secure. According to the survey, Gen Z respondents said a $200,000 annual salary would ensure their financial security. Millennials said they'd need $199,000, and for Gen Xers and baby boomers, their financial security targets were at $183,000 and $171,000, respectively. To be sure, it's not all bad for Gen Z. TransUnion's latest Consumer Pulse Study found that Gen Z is "the most stable of any generation" in this year's second quarter, with 45% of them reporting wage increases over the past three months.

Persons: Gen, Millennials, Gen Xers, Gen Zers, Sarah Foster, Z, Zers, Michele Raneri, it's, They're, Charlie Wise, that's, Zer Organizations: Service, Business, Survey, Consumer Finances, Washington Post, Bureau of Labor Statistics, BI, Millennials, TransUnion Locations: Bankrate

We Counted 22,252 Cars to See How Much Congestion Pricing Might Have Made This MorningToday would have been the first Monday of New York City’s congestion pricing plan. We sent 27 people to count vehicles manually at four bridges, four tunnels and nine streets where cars entered the business district. In total, we counted 22,252 cars, trucks, motorcycles and buses between 8 a.m. and 9 a.m. on Monday. But it does give you a rough sense of scale: It’s a lot of cars, and a lot of money. had planned to use the congestion pricing revenue estimates to secure $15 billion in financing for subway upgrades.

Persons: Kathy Hochul, Noah Throop, Ruru Kuo, It’s, Franklin Organizations: Gov, New York Times, Metropolitan Transportation Authority, Tunnel, Manhattan Bridge, Brooklyn Bridge, manhattan, Williamsburg Bridge, Battery Locations: York, Lexington, St, Queens, Midtown, Tunnel manhattan, Holland, Manhattan, Brooklyn, Brooklyn Bridge Brooklyn, Williamsburg

☆ The Blue-Collar Democrat Who Wants to Fix the Party’s Other Big Problem
▼ + stars: | 2024-07-01 | by ( Jason Zengerle | ) www.nytimes.com time to read: +1 min

The finger-saving technology has been likened to airbags in cars — a straightforward but ingenious safety solution — but many of Gluesenkamp Perez’s friends didn’t see it that way. They were worried that a government mandate would increase the cost of a new table saw by hundreds of dollars, while also giving SawStop, the company that developed the technology, an effective monopoly. Too often, she believes, policymakers are not only disrespectful to people who work with their hands, but also ignorant of the reality of their day-to-day lives. In April, she introduced legislation that would prohibit the commission from implementing the rule until five years after SawStop’s patent expires. (SawStop’s chief executive, Matt Howard, said that the company has promised not to enforce its patent once the rule is implemented.)

Persons: Gluesenkamp, didn’t, Gluesenkamp Perez, ”, Matt Howard Locations: United States

☆ Millennials are ‘very ill-prepared’ to be the richest generation in history, wealth manager says
▼ + stars: | 2024-07-01 | by ( Lee Ying Shan | In Ying-Shan-Lee | ) www.cnbc.com time to read: +1 min

Millennials are poised to be the wealthiest generation in history, but are they ready to handle the large inflow of money? A vast $90 trillion wealth transfer over the next 20 years will likely make millennials "the richest generation in history," according to estimates from global real estate consultancy Knight Frank. "The millennials are very ill prepared … they're not as well prepared as the wealth creating generation," Salvatore Buscemi, co-founder and managing partner of multi-family office Brahmin Partners told CNBC. "They don't have the skill sets earlier on to be able to do that because they never had to - they were never pushed," he said. "And the problem is - are they going to be motivated later in life to push themselves to acquire these skill sets?"

Persons: Knight Frank, —, Salvatore Buscemi, Buscemi Organizations: Partners, CNBC

☆ Baby boomers living on $1,000 a month in Social Security share their retirement experience: 'I never imagined being in this position.'
▼ + stars: | 2024-07-01 | by ( Allie Kelly | ) www.businessinsider.com time to read: +8 min

Additionally, he's 57 and his Social Security check won't kick in until he's at least 62. Related storiesDacus and Stephen live in Robinson, Illinois, on their combined monthly Social Security income of $2,140. Sometimes, she has to request an advance on their Social Security checks so they can pay for their meals or utilities. AdvertisementBabin said it's especially difficult for older adults to qualify for government assistance even if their Social Security income doesn't cover basic necessities. AdvertisementIn retirement, Hambrick thought she would be "traveling to new places and having fun with my husband."

Persons: —, Hambrick, Social Security Mary Dacus, Stephen, Dacus, we'll, Angela Babin, Babin, Hurricane Ida, doesn't Organizations: Service, Social Security, Business, Northwestern Mutual, Income, Alliance for Lifetime, Survey, Security, Social, Medicare, SNAP, Boomers Locations: Tulsa , Oklahoma, America, Robinson , Illinois, Houma , Louisiana, New Orleans, Florida

☆ Biden student loan repayment plan to resume amid legal challenges, federal appeals court rules
▼ + stars: | 2024-07-01 | by ( Annie Nova | ) www.cnbc.com time to read: +1 min

US President Joe Biden gestures after speaking about student loan debt relief at Madison Area Technical College in Madison, Wisconsin, April 8, 2024. A federal appeals court will allow a key part of President Joe Biden's student loan relief plan to resume as the legal challenges against it unfold. The SAVE plan was his biggest accomplishment to date in delivering relief to student loan borrowers. Last week, just as the Biden administration prepared to lower borrowers' monthly payments under the SAVE plan, a federal judge in Kansas issued an injunction blocking it from doing so. The appeals court ruling will allow the Biden administration to go ahead with lowering borrowers' monthly payments.

Persons: Joe Biden, Joe Biden's, Biden Organizations: Madison Area Technical College, 10th Circuit U.S, Valuable Education, Biden, SAVE, of Justice Locations: Madison , Wisconsin, Kansas

☆ AI images of Jesus are suspiciously handsome. We only have ourselves to blame
▼ + stars: | 2024-07-01 | by ( Aj Willingham | ) edition.cnn.com time to read: +9 min

Now, in the age of AI, Jesus can assume an infinite variety of roles with just a few keystrokes. While AI images of Jesus depict the Christian savior in innumerable situations, they often focus on his physical appearance as well. All of these handsome AI Jesus images are created from patterns a machine picks up from the information it is fed. Some AI images of Jesus contain inexplicable details that are neither Biblically nor historically informed. There are other complications that lead to the persistence of handsome AI Jesus.

Persons: Jesus Christ, Shepherd, Jesus, Instagram influencers, Jesus ’, ”, Brenda Sanderson, ” Sanderson, Michelangelo, Joseph Geefs, Geefs ’, Guillaume, “, Lucifer, Salustiano García Cruz, Saint Sebastian, Mary Magdalene, Morgan Haigh, Cristina Quicler, Christopher Framer, ” Framer, it’s Organizations: CNN, Facebook, St, Paul’s, BBC, Santa de Sevilla, Getty Locations: Liège, Belgium, Spanish, AFP, Petaluma , California

☆ The last time we traveled as a family of 6, we spent $6000. I refuse to make the same mistake this summer.
▼ + stars: | 2024-06-30 | by ( Rachel Garlinghouse | ) www.businessinsider.com time to read: +4 min

Read previewLast summer, my family of six went on vacation to a Florida beach. Summer has barely started, and my social media feed is flooded with friends and family members' vacation pics. AdvertisementOther theme ideas include sports, music, animals, movies, or art. See their local sights and enjoy local restaurants. Get season passesSeason passes to a nearby theme park or kid-friendly museum or activity center can save you substantial money.

Persons: —, hadn't, we've, you've, St . Louis, Louis Organizations: Service, Business, City Museum Locations: Florida, St ., St

☆ I spent $38,000 to take my toy poodle on a private jet to Japan. I want to plan a trip for my other dogs next.
▼ + stars: | 2024-06-30 | by ( Faye Bradley | ) www.businessinsider.com time to read: +7 min

The second trip came with a significantly higher price tag of $38,000. Gladys TsoiOur first trip to Japan included two other poodle friends, while our second trip in April 2024 was a family affair with my parents and brother. For the second trip, we opted for a private jet both ways. Gladys TsoiOur second trip, which took place in April, lasted 8 days and covered 10 prefectures. Our road trip took us through Fukuoka, Oita, Yufuin, Kumamoto, Beppu, Nagasaki, Yanagawa, Sasebo, and Itoshima.

Persons: —, Gladys Tsoi, we'd, splurging, Hershey, Milo, mutt, Mount Fuji, Tsoi, Mount Aso, I'm Organizations: Service, Business, Hong Kong International Airport, Hershey, Japan, Mount, Korean Air, Japan Airlines Locations: Hong Kong, Japan, Malibu, Tokyo, Hakuba, Osaka, Kyoto, Nara, Izu, Seoul, Inumo Shibakoen, Shibuya, Mount Omuro, Kyushu, Fukuoka, Oita, Yufuin, Kumamoto, Beppu, Nagasaki, Yanagawa, Sasebo, Nampuro, Milo

☆ 'Shadow Stand-Ins': How Workers Secretly Outsource Their Jobs
▼ + stars: | 2024-06-30 | by ( Rob Price | ) www.businessinsider.com time to read: +20 min

Related storiesThough Remi recruited people she knew, shadow stand-ins are often sourced from a complex online web of faceless providers. Facebook Groups are a popular forum for recruiting shadow stand-ins, providing a two-sided marketplace where workers and providers can connect to one another. The dustup highlighted a key drawback to shadow stand-ins: While alluring, things can go horribly wrong. "It required a lot of micromanaging," said a backend engineer in Pennsylvania who hired shadow stand-ins to help him juggle multiple jobs. Pay rates for shadow stand-ins are "definitely more than what people earn in their regular payday, that's for sure," he said.

Persons: Remi, Zer, couldn't, — Remi, Walter Keane, Margaret, Tim Ferriss, Raj Kumar, isn't, Kevin, Andrew, it's, Lorenzo Matteucci, Brandon Nowak, —, Amber Clayton, Tim Woodruff, Woodruff, they're, Ranjan, Kiran, Rahul, Peter Steele, Michel Anteby, doesn't Organizations: Business, Labor, Verizon, Southwestern, Facebook, Amazon Web Services, BI, Companies, Corporations, Society for Human Resource Management, Secret Service, Department of, Treasury, FBI, LinkedIn, Boston University Locations: Chicago, India, Pakistan, China, Southwestern US, Atlanta, San Jose , California, Bengaluru, American Java, Southeast Asia, United States, Colorado, Southern California, Pennsylvania, Washington, Indian, Michigan, Oregon, England

☆ Gen Xers who began their financial independence journeys in their 40s and 50s explain how they're on pace to meet their early retirement goals
▼ + stars: | 2024-06-30 | by ( Noah Sheidlower | ) www.businessinsider.com time to read: +8 min

Now almost 57, Murillo, who lives in the Chicago area, has a net worth of over $1.1 million and is on pace to reach financial independence within three years. AdvertisementShe developed a plan to pay off her debt, saving roughly 40-50% of her net income of between $120,000 and $140,000. Murillo is one of many Americans who started their financial independence journeys later in life but are on pace to meet their early retirement goals. AdvertisementBy the time he turned 50, he and his wife had a net worth of almost a million. AdvertisementBy 47, she reached a million in net worth, which was about 25 times her expenses.

Persons: —, Gina Murillo, Murillo, I'd, Gen Xers, Bill Yount, Yount, what's, He's, Jackie Cummings Koski, could've Organizations: Service, Business, FI, Vanguard, Walmart, LexisNexis, FIRE Locations: Chicago, Tennessee, South Carolina, Ohio

☆ Euro 2024: Our ranking of all the games in Germany this summer
▼ + stars: | 2024-06-29 | by ( Ahmed Walid | ) www.nytimes.com time to read: +35 min

AdvertisementThis was Belgium at their finest, and Romania raised the level of their game in the second half to try to equalise. If Austria wanted to have any chance of qualifying to the round of 16 they had to beat Poland in their second group game. The wide areas were where Ukraine focused their attacks, and Oleksandr Zinchenko’s square pass to Mykola Shaparenko made it 1-1 in the second half. However, Samet Akaydin and Altay Bayindir’s mishap on the second goal decreased Turkey’s probability of a comeback. More off-ball runs in the second half led to the third, and by then the match was done and dusted.

Persons: Muldur, Arda Guler, Georges Mikautadze, Khvicha, Giorgi Mamardashvili, Kerem Akturkoglu, Ronald Koeman’s, Romano Schmid, Austria, Cody Gakpo’s, Memphis Depay, Marcel Sabitzer, Merih Demiral, Ralf Rangnick’s, Vincenzo Montella’s, Michael Gregoritsch, Alexander Prass, Christoph Baumgartner, Mert Gunok, Kvaratskhelia, Jasir Asani’s, Zlatko Dalic’s, Mario Pasalic, Luka Sucic, Marcelo Brozovic, Majer, Luka Modric, Mateo Kovacic, Ante Budimir, Andrej Kramaric, Klaus Gjasula’s, Albania’s, Dan Mullan, Gianluigi, Italy weren’t, Nico Williams, Giovanni Di Lorenzo, Kevin C, Cox, Jeremy Doku, Ivan Schranz, Kevin De Bruyne, Romelu Lukaku, Leandro Trossard, Stanislav Lobotka, Juraj Kucka, Ondrej Duda, Martin Dubravka’s, David Hancko’s, Stu Forster, Zan Karnicnik’s, Jan Oblak’s, Luka, Patrik Schick, Ondrej Lingr’s, Ivan Hasek’s, Giorgi Chakvetadze, Saba Lobjanidze, Julian Nagelsmann, Germany didn’t, —, Murat Yakin’s, Dan Ndoye, Manuel Akanji, Fabian Schar, David Raum, Christina Pahnke –, Romania Domenico Tedesco’s, Youri Tielemans, Timothy Castagne, De Bruyne, Luciano Spalletti’s, Mattia Zaccagni, Kasper Schmeichel, Rasmus Hojlund, Manuel Neuer, Joachim Andersen, Kai Havertz, Jamal Musiala, Ricardo Rodriguez, Schar, Akanji, Gianluca Scamacca, Remo Freuler’s, Ruben Vargas, RONNY HARTMANN, Gareth Southgate’s, Milan Skriniar, Denis Vavro, Lobotka, Francesco Calzona’s, David Strelec, Jude, Harry Kane, Peter Pekarik, Michel Aebischer, Aebischer, Kwadwo Duah, Hungary’s, Dominik Szoboszlai, Roland Sallai, Willi, Adam Buksa, Nathan Ake’s, Alex Livesey, Bull, Rangnick’s, Baumgartner, Marko Arnautovic, Nicolae Stanciu, Razvan Marin, Denis Dragus, Shaun Botterill, Neuer, Robert Andrich, Jonathan Tah, Antonio Rudiger, Ilkay, Steven Bergwijn, Xavi Simons, Netherlands ’, Stefan de Vrij, Virgil van Dijk, Fabian Ruiz, Rodri, Fabian, Lukas Haraslin, Hancko, Andriy Yarmolenko, Mykhailo Mudryk —, Oleksandr, Mykola Shaparenko, Shaparenko, Denmark Christian Eriksen, Jonas Wind, Eriksen, Benjamin Sesko’s, Kasper Hjulmand’s, Erik Janza’s, Carl Recine, Antonin Barak’s, Tomas Soucek —, Hungary’s Barnabas Varga, Kevin Csoboth, De Bruyne’s, N’Golo, Aurelien Tchouameni, Didier Deschamps ’, — Theo Hernandez, Jules Kounde —, Francisco Conceicao’s, Ruben Dias, Gabriel Bouys, Croatia hadn’t, Unai Simon, Nicolo Barella, Alessandro Bastoni, Rey Manaj, Havertz, Florian Wirtz, Musiala, Ryan Porteous, Scott McTominay, Tony Ralston’s, Xherdan, Kose, Bernardo Silva’s, Samet, Cristiano Ronaldo, Sesko, Diogo Costa’s, Torsten Silz, Alexander Bah, Ruslan Malinovskyi, Kylian, Ousmane Dembele, Deschamps ’, England’s, Pierre, Emile Hojbjerg, Morten Hjulmand, Marc Guehi’s, Alex Grimm, Maximilian Wober, Spain Luis de la, Dani Olmo, Ferran Torres, Marvin, Let’s, Mark Carey, Michael Cox, Michael Regan – Organizations: Golden, Memphis, UEFA Nations League, Albania, Spain, Italy, Getty, Georgia, Hungary, Croatia, Real Madrid, Denmark, Milan, Bologna, Poland, olimpico, Dumfries, Georgia openign, Valencia, Ukraine, Manchester United, Portugal, …, Turkey, B, Slovenia AET, Danish, England, Calzona, Serbia, Michael Regan – UEFA, UEFA Locations: Turkey, Georgia, Kerem, Netherlands, Austria, France, Poland, Portugal, Croatia, Italy, Albania, Pasalic, Gjasula, Spain, Gianluigi Donnarumma, Belgium, Slovakia, Doku, Slovenia, Serbia, Republic, Czech Republic, Switzerland, Germany, Romania, Youri, Modric, Denmark, England, Hungary, Dumfries, Ukraine, Ilkay Gundogan, Gakpo, AFP, Scotland, Samet Akaydin, Altay, Romanian

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