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Types of savings accountsRegular savings accountsRegular savings accounts are the type of savings account you could expect to open at a brick-and-mortar bank. High-yield savings accountsWhen compared to regular savings accounts, high-yield savings accounts pay significantly higher rates. Money market accounts and savings accounts differ in two main ways: Money market accounts frequently come with debit cards, ATM cards, and checks, while savings accounts generally have a lower opening deposit requirement. A high annual percentage yield is especially important if you are looking for a high-yield savings account, rather than a regular savings account at an in-person bank. How to open a savings account: FAQsHow long does it take to open a savings account?

Persons: We've, you'll, it's, Banks Organizations: Mobile, Western Alliance Bank, Yield, Federal Reserve Locations: They're

Though many Americans believe the housing market is at risk of crashing, the economists who study housing market conditions overwhelmingly do not expect a crash in 2024 or beyond. How low demand can cause a housing market crashA sudden drop in homebuying demand can lead to a housing market crash. What a housing market crash would mean for homebuyersAnything is possible, and nobody has a crystal ball to see for certain what will happen in the housing market in the coming months and years. Preparing for a potential housing market crashRight now, you probably don't need to be preparing for the housing market to crash. Housing market crash FAQsWhat are the key signs of an impending housing market crash?

Persons: homebuyers, Fannie Mae's, Lawrence Yun, Yun, isn't Organizations: Housing Survey, National Association of Realtors, Housing Locations: exurbs, Chevron

☆ Pornhub is awash in lawsuits. Unverified videos still on the site could bring even more, says the author of the new book 'Takedown.'
▼ + stars: | 2024-07-22 | by ( Laura Italiano | ) www.businessinsider.com time to read: +15 min

AdvertisementPornhub, launched in 2007 and based in Montreal, lets users upload amateur and professional porn videos in much the same way users upload to YouTube. "Performers" remain unverified in many thousands of pre-2024 videos, including those that pop up from search terms involving teens and violence, Mickelwait told Business Insider. Lawsuits and monitoringAn ever-growing number of lawsuits by some 300 plaintiffs allege the site knowingly profited from videos of their abuse. An excerpt from a federal judge's November order granting class-action status to one of dozens of Pornhub lawsuits. AdvertisementMost recently, she said, she reported to state authorities the Pornhub video showing a woman shouting in pain and asking not to be filmed.

Persons: —, Laila Mickelwait, She's, Mickelwait, It's, Pornhub, Sarah Bain, Aylo —, Rocky Shay Franklin, Nicholas Kristof, Bill Ackman, MindGeek, Netflix —, Laila, Mike Bowe, I've, Bowe, kG2TK2R8sj, Cormac J, Carney, Serena Fleites, Fleites, Bain, Cherie DeVille, Mike Stabile, Stabile Organizations: Service, Business, Ethical Capital Partners, Random House, Justice Defense Fund, Sunday Times, New York Times, Heinz, Unilever, KY, Pornhub, Netflix, Mastercard, Visa, Capital, US, Free Speech Coalition Locations: Montreal, Pornhub, Alabama, Florida, London, Manhattan, California, Bowe's, Bakersfield , California

Keep reading to see how the Amex Platinum Card and the Amex Business Platinum Card differ, and to decide if either is right for you. Finally, the Amex Platinum Card and the Amex Business Platinum Card come with a Priority Pass membership**. 35% points rebate on the Amex Business PlatinumThis is an incredibly valuable perk that's only available with the Amex Business Platinum Card. Amex Platinum vs. Amex Business Platinum frequently asked questionsWhat are the main differences between the Amex Platinum and Business Platinum cards? The Amex Platinum earns bonus points on travel, while the Business Platinum also offers elevated rewards on certain business expenses.

Persons: Amex, Uber, Wiley, Julie Mehretu, Peacock, Uber Cash, you've, You'll, — you'll, you'll Organizations: American Express, Express, Hilton, Marriott, Saks, Entertainment, Disney, ESPN, The New York Times, Street, American, Walmart, TSA, Global, Saks Fifth, Business, Adobe, Dell, Card, Amex Travel, Delta Sky Club, Delta, Lufthansa, Austrian Airlines, Sky, Resorts, Fine, United, Amex, —, Hertz, Fine Hotels, Hulu, New York, Paramount, Equinox Locations: Hulu, AmexTravel.com, Europe, Asia, Hong Kong, —

☆ She felt lost when she became a widow in her 20s. Then she signed up to grief camp
▼ + stars: | 2024-07-21 | by ( Francesca Street | ) edition.cnn.com time to read: +23 min

“Being a widow in my 20s, I don’t have as many people around me who relate to that grief experience. Six months since she’d signed up for grief camp. Being a widow in my 20s, I don’t have as many people around me who relate to that grief experience. She wrote a piece called “Grief Camp is My Happy Place,” for her Substack, describing her experiences. “I think a lot of people hear ‘grief camp’ and think it’s going to be sad all the time.

Persons: Mackenzie Galloway, Cole, ”, ” Galloway, Megan, Cole’s, Camps, ’, Cole scrolled, Galloway, Cole wasn’t, Lindsay Lohan, – Galloway, She’d, “, she’d, –, ‘, ’ ”, Equinunk, “ Mac ”, “ Mackenzie, they’ve, they’d, doesn’t, I’ll, who’d, she’s, Megan –, “ Joy, Jesse Moss, Moss, you’re, Michelle Cove, won’t, Chappell, Chappell Roan, Megan isn’t, Cole didn’t, It’s, that’s Organizations: CNN, CNN Travel, New Yorker, New, Galloway, Experience Camps Locations: Galloway, New, US, Kansas, ”, New York City, Equinunk , Pennsylvania, Cole, New York, Pennsylvania, Equinunk, Blue, Mackenzie

☆ Costs from the global outage could top $1 billion – but who pays the bill is harder to understand
▼ + stars: | 2024-07-21 | by ( Chris Isidore | ) edition.cnn.com time to read: +5 min

New York CNN —The world learned relatively quickly that cybersecurity firm CrowdStrike was behind a crippling global tech outage on Friday. Billion-dollar billExperts largely agree it’s too early to get a firm handle on the price tag for Friday’s global internet breakdown. His firm estimates that a recent hack of CDK Global, a software firm that serves US car dealerships, reached that $1 billion cost mark. It’s also not clear how many customers CrowdStrike might lose because of Friday. It will be difficult, and not without additional costs, for many customers to switch from CrowdStrike to a competitor.

Persons: CrowdStrike, ”, you’re, Dan Ives, it’s, Patrick Anderson, Anderson, Harry Reid, Ty ONeil, “, James Lewis, Lewis, It’s, Wedbush Securities ’, ” Ives, George Kurtz, ’ ”, Eric O’Neill Organizations: New, New York CNN, CNN, Wedbush Securities, Anderson Economic Group, Harry, Harry Reid International Airport, Microsoft, Center for Strategic, International Studies, SolarWinds, Exchange Commission, CNBC Locations: New York, Michigan, Russian, CrowdStrike

☆ This ‘once in a generation’ £1.5 million Scottish cottage is up for sale. But there’s one key quirk
▼ + stars: | 2024-07-21 | by ( Jack Bantock | ) edition.cnn.com time to read: +3 min

For the golf fanatics of the world, it could soon all be yours – so long as you have a spare £1.5 million ($1.93 million) to part with. “The sale of Blackrock House is one of those rare times where you can safely say there isn’t anything else like this available in the world,” Strutt and Parker selling agent Annabel Blackett told CNN via email. Spectators walk past Blackrock House and its "for sale" sign. It would be another 45 years before the course hosted its first Open Championship, with this week marking its 10th time staging the major. “This will be a bittersweet Open for us,” Andrew Kelly told the Associated Press ahead of this week’s tournament.

Persons: Woods, Viewings, Strutt, Parker, “, ” Strutt, Annabel Blackett, Jon Super, Arnold Palmer, Tom Watson, ” Blackett, Jason Cairnduff, David, Isabel Kelly, Andrew, John, Sweden’s Henrik Stenson, Phil Mickelson, ” Andrew Kelly, ” Organizations: CNN, Blackrock House, Royal Troon, –, Troon, Associated Press Locations: Blackrock, Firth, Clyde, Isle, Arran, South Ayrshire, Scotland, ”

☆ 7 Democrats who could replace Biden as the 2024 presidential nominee
▼ + stars: | 2024-07-21 | by ( John L. Dorman | Brent D. Griffiths | ) www.businessinsider.com time to read: +1 min

Wes Moore of MarylandGov. Wes Moore is a combat veteran who served in Afghanistan. Wes Moore, an Army veteran who's also a Rhodes Scholar, was first elected to the governorship in 2022. He has touted low national unemployment numbers, not low national employment numbers. Editor's note: This article was first published in February 2024 and has been updated to reflect the events after the first 2024 presidential debate.

Persons: Wes Moore, JIM WATSON, who's, Moore, Biden, Harris, Joe Biden's Organizations: Maryland Gov, Getty, Army, Rhodes, Democratic Party . Correction Locations: Afghanistan

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

☆ Xander Schauffele wins Open Championship at Royal Troon for major win No. 2 of 2024
▼ + stars: | 2024-07-21 | by ( Brody Miller | ) www.nytimes.com time to read: +4 min

TROON, Scotland — Xander Schauffele was for so long the best golfer without a major. The ever-steady 30-year-old star never topped the Open leaderboard Thursday to Saturday, always quietly lurking in the top 10 before shooting a Sunday 65 to win the 152nd Open Championship for his second major title in three starts. For the first time since 1982, Americans — Schauffele (Open Championship, PGA Championship), Scottie Scheffler (Masters) and Bryson DeChambeau (U.S. Open) — have claimed all four major championships. Sunday began with Horschel, a 37-year-old seeking his first major championship, in the lead by one stroke, playing in the final group of a major’s final round for the first time. Now Schauffele enters the Olympics and the rest of the season no longer an admirable player who can’t win.

Persons: Xander Schauffele, Schauffele, Justin Rose, Billy Horschel, Schauffele’s, Thriston Lawrence bogeyed, — Schauffele, Scottie Scheffler, Bryson DeChambeau, —, Arnold Palmer, Lawrence, Dan Brown, Rose, standouts, Sam Burns, Russell Henley, Scheffler, Horschel, Brown, Burns, Shane Lowry, birdies, Jon Rahm, Viktor Hovland, Rory McIlroy, Kevin C, Cox Organizations: 152nd, Royal Troon, May’s PGA, Valhalla, Pinehurst, Sunday, Horschel Locations: TROON, Scotland, Scottish

As long as inflation continues to slow, mortgage rates should tick down further throughout the remainder of 2024. 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. 15-Year Fixed Mortgage Rates Barely Tick Up (+0.02%)The average 15-year mortgage rate is 5.68%, just two basis points higher than last week. Mortgage Refinance Rates30-Year Fixed Refinance Rates Fall (-0.37%)The average 30-year refinance rate is 7.08%, 37 basis points down from last week. Mortgage rates also rose dramatically in 2023, though they started trending back down toward the end of the year.

Persons: you'll, It's, refinance, they've Organizations: Federal, Zillow, FHA Locations: Chevron

☆ I took my daughters to see Taylor Swift. It was cheaper than a typical family vacation and more fun.
▼ + stars: | 2024-07-21 | by ( Sunshine Flint | ) www.businessinsider.com time to read: +6 min

For us, it was the best family vacation ever. My twin daughters are huge SwiftiesThe Swiftie Era started in our house when our then 11-year-old twin girls came home from two weeks at sleepaway camp last summer, confirmed Taylor Swift fans. Tickets were prohibitively expensive, and we were already planning a family summer vacation in Southern California. I don't know what her magic is, but Taylor Swift is an effortless, tireless performer who emanates an effervescence of her own. We didn't give up a family vacation for a concert; in fact, it was the best decision we could have made for our family this summer.

Persons: Taylor Swift's, Taylor Swift, Taylor, Nick Sonderup, bedecked Organizations: Service, Cardiff, Paddington, Welsh Locations: Cardiff , Wales, Miami, New Orleans, Liverpool, Southern California, Paris, Amsterdam, Madrid, Europe, California, Wales, London, Cardiff, spangles

☆ 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

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 posted about my divorce on Facebook. I quickly learned how important divorce announcements can be.
▼ + stars: | 2024-07-21 | by ( Olivia Dreizen Howell | ) www.businessinsider.com time to read: +5 min

Like most businesses during this time, divorce proceedings slowed down. Inspired, I announced my divorce on Facebook on New Year's Eve in 2020. I saw my divorce as a beautiful awakening, a decision to choose happiness and peace for me and my children. AdvertisementFor so long, divorce has been talked about in secrets and hushes, and we are told to keep everything close to the chest. It's time we talk about our divorce, set the tone, write the story, and own our path forward.

Persons: —, he'd, Olivia Dreizen Howell, It's Organizations: Service, Business, Facebook

You can also use our guide to the best low credit score mortgage lenders to see which lenders accept borrowers with lower scores. Minimum credit score by mortgage typeConforming mortgage: 620 or higherConforming mortgages, which are the most common type of mortgage, are only available to borrowers with credit scores of 620 or higher. Get copies of your credit reportUnderstanding your credit history is key to understanding what's affecting your credit score. Review your credit report again to see what is impacting your credit score, then take steps to improve it. Getting a mortgage with bad credit frequently asked questionsCan you get a mortgage with a 500 credit score?

Persons: it's, US Department of Veterans Affairs doesn't, you've, It's, you'll, You'll Organizations: US Department of Veterans Affairs, Rocket Mortgage, Freedom, Carrington Mortgage, HUD, Federal Housing Administration, Chevron Locations: CreditRepair.com, Chevron

Your mortgage interest rate is based in part on how risky lenders consider you to be as a borrower. Use these strategies for lowering mortgage interest rates. Improving your credit scoreRaising your credit score is one way to get a lower interest rate on your mortgage. The role of credit in mortgage ratesThe impact of credit scores on mortgage rates is significant. Locking in your rateA rate lock lets you cement your interest rate while you finalize your home purchase.

Persons: They'll, they'd, Freddie Mac, —, you'll Organizations: ICE Mortgage Technology, PenFed Credit Union, New, Mortgage, Survey Locations: Portland , Oregon, California

I asked a financial planner whether I should take money out of savings if interest rates drop. I haven't felt ready to follow their advice, especially since my high-yield savings account at Ally Bank has been offering 4% to 5% APY on the money in the account. If that happens, it might make sense for me to move money out of my high-yield savings account. I met with certified financial planner Jake Skelhorn, who shared three things I can do with that cash if interest rates drop. "While more volatile year-to-year, stock market returns have averaged approximately 10%, which is about double what you're getting in a high-yield savings account today."

Persons: it's, they've, haven't, Jake Skelhorn, Skelhorn Organizations: Ally Bank

☆ The classic psychological phenomenon behind Trump supporters' fake ear bandages
▼ + stars: | 2024-07-20 | by ( Julia Pugachevsky | ) www.businessinsider.com time to read: +4 min

In the days that followed, some of his supporters started sporting bandages of their own. This story is available exclusively to Business Insider subscribers. The bandages go a step beyond Trump shirts and lawn signs, Dr. Angie Corbo, chair of communications studies at Widener University, told Business Insider. For supporters of Navalny and now Trump, this performative act of imitation is a sign of solidarity. AdvertisementThe ear bandages portray a different, softer message — one that could make his audience feel more connected to him.

Persons: —, Donald Trump, MAGA, Dr, Catherine Nobile, we're, Angie Corbo, fkzGQECzme — Jamie Bartlett, It's, Alexei Navalny, Nobile, that's, Trump, Corbo, Corey Comperatore Organizations: Service, Republican National Convention, Business, Widener University, Trump, RNC Locations: New York, Trump, @JamieJBartlett, Navalny

Not sure whether a fixed-rate mortgage or an adjustable-rate mortgage is right for you? With a fixed-rate mortgage, you know your mortgage payment will stay the same throughout the life of your loan. What is a disadvantage of an adjustable-rate mortgage over a fixed-rate mortgage? With an adjustable-rate mortgage, it's possible that your monthly mortgage payment could increase when the rate adjusts. The average 5-year ARM typically comes with a lower initial mortgage rate than a standard 30-year fixed mortgage.

Persons: John, Roland, homebuyers Organizations: Financial, Northwestern Mutual, Client, ARM, Chevron Locations: Chevron

Mortgage rates have been trending down this month, and they could fall further throughout the remainder of 2024. This should remove some of the upward pressure off of mortgage rates and allow them to decrease. See more mortgage rates on Zillow Real Estate on ZillowMortgage CalculatorUse our free mortgage calculator to see how today's interest rates will affect your monthly payments. 15-Year Fixed Mortgage RatesAverage 15-year mortgage rates fell to 6.05% last week, according to Freddie Mac data. Mortgage rates increased dramatically over the last two years, but they're expected to go down at some point this year.

Persons: you'll, Freddie Mac, it's Organizations: Federal, Zillow, Federal Reserve Locations: Chevron

Renovation loan eligibilityTo get a loan for a house renovation, you'll need to meet certain credit requirements. Cash-out refinances or renovation loans rolled into mortgages are typically the best renovation loan programs because they come with the lowest rates. Home renovation loans FAQsAre renovation loans a good idea? Renovation loans, or home improvement loans, can be a good idea for homeowners looking to make both essential and cosmetic changes to their homes. Renovation loans make it relatively convenient to complete upgrades or repairs that can boost your home's value.

Persons: It's, Fannie Mae's, Freddie Mac's, you'll, Douglas Boneparth Organizations: Federal Housing Administration, Bone, reno, Chevron

☆ Test Your Focus: Can You Spend 10 Minutes With One Painting?
▼ + stars: | 2024-07-20 | by ( Francesca Paris | Larry Buchanan | ) www.nytimes.com time to read: +6 min

The PaintingAs you may recall, the painting you just spent time with is “Nocturne in Blue and Silver,” by the American artist James McNeill Whistler. As you look further down the painting, things start to get confusing. As you look further down the painting, things start to get confusing. She believes Whistler may have started the painting one way and then simply changed his mind, flipped the panel upside down and started over. (She recommended this Whistler painting for our exercise.)

Persons: James McNeill Whistler, Lauren O'Neil, Whistler, Kate Smith, Smith, ”, Gloria Mark, you’re, Roberts, “, Roberts’s, Mark Organizations: New York Times, Harvard Art, The New York Times, Harvard Art Museums, University of California, Harvard Locations: American, London, brushy, Irvine

Here are the best mortgage lenders for first-time homebuyers and the affordable loans they offer, as chosen by Business Insider editors in 2024. If you're a Bank of America Preferred Rewards customer, you can get discountsCheck mark icon A check mark. Offers many unique types of mortgagesCheck mark icon A check mark. Low Cost Mortgages come with only $295 in closing costsCheck mark icon A check mark. Mortgage credit certificatesSome HFAs also offer mortgage credit certificates to first-time homebuyers.

Persons: It's, Chase, Grant, You'll, Carrington, Carrington doesn't, forbearance, HELOC, homebuyers, Truist, doesn't, Flagstar, they're, homeownership, Fannie Mae, Freddie Mac's, you'll, Anthony Park, Molly Grace, Julie Aragon, There's, Lauryn Williams, —, there's, PenFed, USAA, Wells, Wells Fargo, Ally Organizations: Homebuyers Bank of America Mortgage, Mortgage, Chase, Federal Credit Union Mortgage, New, U.S, Bank Mortgage, Federal Savings, Loan, Truist, Flagstar Bank, Business, Bank of America, of America, FHA, Bank, Bank of, Bank of America's, Miami . Bank of America, USDA, Guild Mortgage, Veterans, Navy, Credit, Federal, Navy Federal, Navy Federal Credit Union, Department of Defense, Student Loan, . Bank, US Bank, U.S . Bank, Carrington Mortgage, Carrington Mortgage Services, Consumer Financial Protection, DC, Private Mortgage Insurance, PMI, Down Payments, Quicken, Rocket Mortgage, Rocket, CrossCountry Mortgage, CrossCountry, Loans, Flagstar Bank Mortgage, Federal Housing Finance Agency, Federal Housing Administration, US Department of Housing, Urban, US Department of Veterans Affairs, US Department of Agriculture, Best, Chevron, CFP, Pentagon Federal Credit Union, BBB, Fairway Independent Mortgage Corporation, Veterans United, Movement Mortgage, NBKC, PNC Bank, Better Business Bureau Locations: VA, HELOC, Washington, DC, Charlotte, Dallas, Detroit, Los Angeles, Miami, Delaware, Vermont, Delaware , Vermont, Wyoming, J.D, New York, ., U.S, Massachusetts, North Dakota, Ohio, Florida, California , Colorado , Connecticut, Georgia , Illinois , Indiana , Kentucky, Maryland , Massachusetts , Missouri , New Hampshire , New Jersey , New York, North Carolina , Ohio , Oregon , Pennsylvania, South Carolina , Tennessee, Virginia, Tennessee, Arizona , Alaska, Hawaii, Arizona , California, Florida , Indiana , Michigan , New Jersey , New York , Ohio, Wisconsin, Flagstar, Arizona , California , Connecticut , Idaho , Michigan, Nevada , Ohio, New Mexico, Chevron, Wells Fargo

The autumn of 2021 delivered a shock to the state of Texas. More than 9,000 migrants crossed the border on a September day into the town of Del Rio and huddled in a tent camp under a bridge. Thousands more came later that week from countries all over the world, challenging the town’s ability to handle them. The following spring, Texas opened a new frontier of its own. Washington’s mayor, Muriel Bowser, suggested that many of the migrants had been “tricked” into riding the buses by the Texas governor, Greg Abbott.

Persons: Muriel Bowser, “, ”, Greg Abbott Organizations: Station, Washington , D.C, state’s Division, Emergency Management, Washington’s Locations: Texas, Del Rio, Washington ,, Eagle Pass , Texas

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