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☆ Home Depot Looks to Pros for Shelter
▼ + stars: | 2023-11-14 | by ( Jinjoo Lee | ) www.wsj.com time to read: 1 min

Home Depot had a fourth consecutive quarter of comparable-store sales declines. Photo: Joe Buglewicz/Bloomberg NewsHome Depot is turning to the pros. That marks the fourth consecutive quarter of comparable-store declines after some heady growth during the pandemic years, when Americans suddenly found themselves more homebound than they ever have been. Net income fell 12%, which was better than the 15% decline analysts expected. Home Depot shares jumped 6.6% Tuesday morning.

Persons: Joe Buglewicz Organizations: Bloomberg, Street, Alpha, Home Depot Locations: U.S

☆ Khosla Ventures Closes In on $3 Billion for Venture Funds, Defying Startup Slump
▼ + stars: | 2023-11-14 | by ( Berber Jin | ) www.wsj.com time to read: 1 min

At WSJ’s Tech Live conference, venture capitalist Vinod Khosla discusses the pros and cons of investing in AI technology. Photo: Nikki Ritcher for The Wall Street JournalKhosla Ventures is in the final stages of raising $3 billion for its latest set of venture funds, showing how some Silicon Valley investors remain bullish even as startups continue to stare down slower growth and lower valuations. The fundraise will be one of the largest completed by a venture firm this year and one of the few to grow in size. Khosla Ventures last raised $1.85 billion three years ago.

Persons: Vinod Khosla, Nikki Ritcher Organizations: WSJ’s Tech, Wall Street Journal Khosla Ventures, Khosla Ventures

☆ Early OpenAI Investor Khosla Ventures Closes In on $3 Billion for Venture Funds
▼ + stars: | 2023-11-14 | by ( Berber Jin | ) www.wsj.com time to read: 1 min

Persons: Vinod Khosla, Nikki Ritcher, OpenAI Organizations: WSJ’s Tech, Wall Street Journal Khosla Ventures, Khosla Ventures

If you're looking to open a new savings account, you can also refer to our best high-yield savings accounts for our top picks. How withdrawals affect money in savings accountsIf you frequently withdraw money from a savings account, it could impact your savings. Ways to withdraw money from a savings accountIf you need to take out money from your savings account, here are three convenient ways to make a withdrawal:Withdraw money at an ATM: You can usually withdraw money from your savings account at an ATM. Savings account withdrawals FAQSCan people take money out of your savings account? If you withdraw money from a savings account, you may not earn as much interest as you would have if you kept all your money in the account.

Persons: —, Banks, Sarah Wicker, You'll Organizations: Service, Governors, Federal Reserve, Georgia's, Credit Union Locations: Chevron

☆ I moved to Houston and regretted it. I stuck out at work and it was impossible to save.
▼ + stars: | 2023-11-14 | by ( Jules Rogers | ) www.businessinsider.com time to read: +6 min

Jules Rogers took a new job at a newspaper in Houston and moved from Portland, Oregon, in 2018. I was in my mid-20s and working as a full-time reporter for a local newspaper in Portland, Oregon. My favorite things about Houston were the radio stations — the rap and country stations were both really good. My transportation budget increasedMy transportation budget went up in Houston. Ultimately, I quit my Houston job less than two years after I got there.

Persons: Jules Rogers, weren't, —, Marshall, Jules, Jules Rogers Job Organizations: Service, Housing, FedEx, Gas, Houston Locations: Houston, Portland , Oregon, Oregon, Texas, Portland, Spring, West, Galveston, snowshoe, Houston . In Portland, . Oregon, Pacific Northwest

☆ 63% of Gen Z workers have a best friend in the office—there are 2 potential drawbacks, experts say
▼ + stars: | 2023-11-14 | by ( Aditi Shrikant | ) www.cnbc.com time to read: 1 min

More than half, 51%, of all workers and 63% of Gen Z workers say they have a best friend at their job, according to a recent Glassdoor survey. Those polled reported some pretty crucial mental health benefits for having an office bestie: support and enjoyment in the workplace were among the top two pros, followed by stress relief. When forging relationships in the office, you need to remember that the stakes are different, says Glassdoor chief economist Aaron Terrazas. "Workplace friendships will never be the same as friendships outside the workplace, and it's important to keep in mind that you may need to continue working with work friends even after a friendship sours," he says. Here are two potential drawbacks to having a best friend at work, and how to manage each situation.

Persons: Aaron Terrazas

When applying for a business credit card, issuers may consider your personal credit score if you don't have a business credit report yet. [ Jump to more details ]More on our picks for the easiest business credit cards to getCapital One Spark 1% ClassicThe Capital One Spark 1% Classic has lower credit score requirements than many cash-back business credit cards but still earns valuable rewards. [ Return to card summary ]Bank of America Business Advantage Unlimited Cash Rewards Secured credit cardThe Bank of America Business Advantage Unlimited Cash Rewards Secured credit card is a secured credit card, geared toward applicants with poor or no credit scores. Credit card issuers usually check your personal credit when you apply for a business credit card. Our methodologyTo determine which business credit cards are the easiest to get approved for, CNBC Select analyzed the most popular credit cards available to U.S. business owners with poor or average credit.

Persons: It's, cardholders, Bradstreet, Cardholders, Slack, you've, Cash, you'll, There's Organizations: CNBC, Capital, Bank of America Business, The, of America Business, Apple, Google, Mastercard, Card, Emigrant Bank, FDIC, Brex, SEC, Treasury, Cash, Gas, Bank of America, World, Microsoft, MasterRental, Savings, CNBC Select's, Facebook, Twitter Locations: U.S

☆ Verizon and AT&T are now requiring debit card payments to get the full autopay discount. Here's how to decide if it's worth it.
▼ + stars: | 2023-11-11 | by ( Jennifer Streaks | Sarah Silbert | Senior Personal Finance Reporter | ) www.businessinsider.com time to read: +6 min

But your credit card rewards and cell phone protections may be worth more than the monthly savings. Credit card transactions cost businesses more than debit card payments. Credit card issuers use those extra fees to fund credit card perks such as rewards and discounts. The main difference between linking a debit card and a credit card is account protection. Fees no monthly service fee Annual Percentage Yield (APY) None Minimum Deposit Amount $0 Pros Check mark icon A check mark.

Persons: —, Cash Organizations: Verizon, AT, Service, Discover, Discover Bank Locations: Canada, Mexico, Caribbean

☆ China versus India: The pros explain why they prefer one — and share their stock picks
▼ + stars: | 2023-11-10 | by ( Weizhen Tan | ) www.cnbc.com time to read: +5 min

Which economic giant should emerging markets investors go for: China or India? India is the "best structural growth opportunity" in emerging markets, according to Malcolm Dorson, head of emerging markets strategy at Global X ETFs. LPL Financial's chief technical strategist, Adam Turnquist, added that India has emerged as an increasingly attractive alternative to China. Where and how to invest in India Investors could go for the "booming areas" in India — renewables such as hydrogen and solar energy, as well as agricultural tech, according to Sharma. But both Krosby and Dorson would advocate active management in emerging markets such as India, given political and economic complexities, among other reasons.

Persons: Malcolm Dorson, Morgan Stanley, Dorson, Quincy Krosby, Krosby, LPL, Adam Turnquist, Alejandra Grindal, Ned Davis, Rahul Sen Sharma, Sharma, Morningstar Organizations: Shenzhen Component, CNBC, Global, Chinese Communist Party, LPL, Ned, Ned Davis Research, India Investors, India, Hindustan Unilever, Nestle India, Jewelry, India Active Locations: China, India, Shenzhen, Asia, Beijing

Featured Investing App Robinhood Investing Start investing On Robinhood's website Icon of check mark inside a promo stamp It indicates a confirmed selection. Account Minimum $0 ($1 for fractional shares; $2,000 for margin trading Fees 0% ($5/month for Robinhood Gold) Pros Check mark icon A check mark. Goal-based planning, tax-loss harvesting, charitable giving, and socially responsible investing availableCheck mark icon A check mark. Streetbeat offers a list of stock picks based on investment data it has analyzedCheck mark icon A check mark. 0.25% for automated investing (0.06% to 0.13% for fund fees) Pros Check mark icon A check mark.

Persons: It's, Apex Crypto, It’s, Tessa Campbell, Read Organizations: Forbes, Robinhood, CFP, Invest, Trade, Ideas, Finance, New, Apex, M1 Finance

☆ CNBC Daily Open: Powell’s hawkish speech sent bond yields soaring
▼ + stars: | 2023-11-10 | by ( Yeo Boon Ping | ) www.cnbc.com time to read: +2 min

This report is from today's CNBC Daily Open, our new, international markets newsletter. CNBC Daily Open brings investors up to speed on everything they need to know, no matter where they are. Hawkish PowellIn a speech that carried broad hawkish overtones, Federal Reserve Chair Jerome Powell said the U.S. central bank is "not confident" monetary policy is "sufficiently restrictive to bring inflation down to 2 percent." Still, Powell acknowledged there's a "risk of overtightening," and said "monetary policy is generally working the way we think it should work." Both are economic giants that have yet to achieve their full potential, but hold promises for emerging market investors.

Persons: Hawkish Powell, Jerome Powell, Powell, there's, Hong, Wynn Macau, Tesla's, Tesla, SMIC Organizations: CNBC, Nasdaq, Wynn, HSBC Global, HSBC, Li Auto, Chinese Passenger Car Association Locations: U.S, Asia, Pacific, Tesla's, China, India, —

Advantages to opening multiple savings accountsOne benefit of opening multiple savings accounts is that you can save money for specific goals. Traditional savings accounts at a brick-and-mortar bank typically offer lower savings account interest rates than high-yield savings accounts at online banks. Disadvantages to opening multiple savings accountsOpening up multiple savings accounts also comes with several potential disadvantages. Tips for managing multiple savings accountsIf you decide to open multiple savings accounts, here are some tips for managing them:Keep track of your accounts. Multiple savings accounts: FAQsIs it OK to have multiple savings accounts?

Persons: Mike Landsberg, Homrich, it's, Jaime Eckels, Plante, Roth IRAs, Eckels, who's, Landsberg, Banks, Get Organizations: CPA, CFP, CPWA, Homrich Berg Wealth Management, Financial, FDIC, SEC, Bank Locations: Landsberg, Chevron

Our experts answer readers' credit card questions and write unbiased product reviews (here's how we assess credit cards). If you've been thinking about getting a United credit card, now is the time to do it. United just boosted introductory offers on four popular credit cards, increasing each sign-up bonus by 10,000 additional United MileagePlus miles from its current rate. A free first and second checked bag can save you and a companion up to $320 round-tripCheck mark icon A check mark. Up to $125 in annual credits toward United® purchases can offset half the annual feeCheck mark icon A check mark.

Persons: —, you've, Here's Organizations: United Club, Service, United, FDIC, United ®, United Airlines, ℠, Card, Club, Free, TSA, Star Alliance Locations: United, Canada

Almost all mortgage rates are down since this time last week, and since a month ago. ARMs weren't very popular when mortgage rates were at all-time lows, because people wanted to lock in their great rates for their entire mortgage terms — in fact, ARM rates were higher than fixed rates not so long ago. See more mortgage rates on Zillow Real Estate on ZillowMortgage Refinance Rates TodayMortgage type Average rate today This information has been provided by Zillow. See more mortgage rates on Zillow Real Estate on ZillowMortgage CalculatorUse our free mortgage calculator to see how today's mortgage rates will affect your monthly and long-term payments. But whether mortgage rates will drop in 2023 hinges on if the Federal Reserve can get inflation under control.

Persons: Fannie Mae Organizations: ARM, Zillow, Federal Reserve, Mortgage, Association, Sky Locations: Chevron

☆ I drank Diet Coke daily for 25 years—then stopped: A Harvard nutritionist says I did my brain 'a favor'
▼ + stars: | 2023-11-08 | by ( Ester Bloom | In Esterbloom | ) www.cnbc.com time to read: +3 min

The author (R) and CNBC Make It senior editor Vanna Le making towers out of Diet Coke bottles and cans in 2018. For decades, drinking a Diet Coke every day gave me a burst of caffeine and satisfaction. I decided to make three changes at once: walk more, tweet less and, after 25 years, put down the Diet Coke. Don't miss: A Harvard nutritionist eats these 10 foods to 'fuel' her brain and 'stay sharp' A year later, I was three for three. I knew Diet Coke wasn't exactly barley tea or a turmeric latte.

Persons: Vanna Le, Coke, Wasn't, hadn't, Michiko Tomioka, Uma Naidoo, Harvard Medical School —, Naidoo, Uma Organizations: CNBC, Harvard Medical School, Cola Company, Harvard Medical Locations: Harvard

You can now transfer Bilt Rewards points to Marriott Bonvoy at a 1:10 ratio. As of today, November 8, you can now transfer Bilt Rewards points to Marriott Bonvoy at a 1:1 ratio. Bilt cardholders can transfer points to Marriott in increments of 1,000 (Bilt Blue tier members must transfer a minimum of 2,000 points per transaction). Cardholders also receive a bonus 5,000 Marriott Bonvoy points for every 20,000 Bilt points transferred to Marriott in a single transaction. You'll receive a 100-point Bilt Rewards point bonus for linking your Marriott Bonvoy account to your Bilt Rewards account.

Persons: —, Cardholders, Marriott, Here's, you’re, Bilt, Experian, TransUnion ™, Equifax, You'll, Bilt cardholders Organizations: Marriott, IHG, Hyatt, Service, American Airlines and United Airlines, Mastercard, Alliance, Emirates Locations: Hyatt, Emirates

☆ Disney's board is in focus as activist investor Nelson Peltz considers his next move
▼ + stars: | 2023-11-08 | by ( Alex Sherman | ) www.cnbc.com time to read: +4 min

Activist investor Nelson Peltz may be intent on making sure Disney directors don't get that luxury. He tried earlier this year to get himself on the Disney board, only to be rebuffed by Iger and eventually walk away in February. Disney's board has also struggled to groom a successor to Iger, who has five times renewed his contract to stick around as CEO. Still, to sway Disney shareholders to vote for Peltz or other board members, Trian may need to push for specific ideas or financial engineering that Disney hasn't already articulated. If not, his next move could be a public fight to get himself and others on Disney's board.

Persons: Nelson Peltz, Ike Perlmutter, Bob Iger, Trian hasn't, Peltz, Hugh Johnston, Iger, Trian, Gamble, Bob Chapek, Mark Parker, Mary Barra, there's Organizations: Disney, Trian, Management, Marvel Entertainment, PepsiCo, Paramount Global, Comcast, Warner Bros, Discovery, AMC Networks, Lions, Entertainment, Proctor, Nike, General, Iger, CNBC, ABC, ESPN Locations: Iger

☆ A California native recently moved to a Kentucky city with 26,000 residents. She's able to live a much more fulfilling life closer to family at a much lower cost.
▼ + stars: | 2023-11-08 | by ( Noah Sheidlower | ) www.businessinsider.com time to read: +7 min

A Gen Xer moved from California to a small city in Kentucky in 2021. Duvall moved in 2021 from San Marcos, her city of 100,000 in California, to Paducah, Kentucky, a small city with around 26,000 residents. AdvertisementAdvertisement"I have no plans on ever going back to California ," Duvall said. Of that total, just under 6,000 moved from California to Kentucky, compared to over 22,500 in neighboring Tennessee. Still, Duvall said in her small city, she's gotten better care for her medical problems, as she's gotten more individualized, thorough attention.

Persons: Xer, she's, —, Duvall, Kentucky Duvall, SSDI, it's, I'm Organizations: Service, Security Disability Insurance Locations: California, Kentucky, San Diego County, San Marcos, Paducah , Kentucky, Tennessee, San Diego, Paducah

Bottom line: Fidelity Investments and Charles Schwab are two of the best robo-advisors for retirement savings, goal-building, and low-cost trading. Fidelity vs. Charles Schwab: The Biggest DifferencesFidelity and Charles Schwab are featured in a number of our guides, including the best brokerages for beginners. Fidelity Investments reviewAutomated Investing With FidelityFidelity offers two different automated accounts: Fidelity Go and Fidelity Personalized Planning & Advice. Charles Schwab Brokerage Account reviewAutomated Investing With Charles SchwabLike Fidelity, Charles Schwab's automated accounts — Schwab Intelligent Portfolios and Schwab Intelligent Portfolios Premium — also include an automated-only account and an automated-plus-advice option. Fidelity vs. Charles Schwab — Frequently Asked Questions (FAQs)Is Fidelity better than Charles Schwab?

Persons: Morningstar, Charles Schwab, Schwab, Charles Schwab's, It's, Fidelity's, you'll, Charles Schwab Charles Schwab, Roth, IRAs, Charles, Charles Schwab —, you've Organizations: Fidelity Investments, Fidelity, Business Daily, screeners, Fidelity Fidelity Investments, Fidelity Fidelity, Fidelity Go, Schwab, Better Business Bureau, & $ Locations: cryptocurrencies, Chevron

Using a debit card instead of a credit card can also protect your credit score. Despite conventional wisdom that you should use a credit card for most charges, there are several benefits to using a debit card. Using a debit card may earn you rewards or pointsDebit card rewards may not be as numerous as their credit card counterparts, but you can still earn perks from everyday spending. Fees no monthly service fee Annual Percentage Yield (APY) None Minimum Deposit Amount $0 Pros Check mark icon A check mark. Using a debit card is also a great way to get used to handling money before you get a credit card.

Persons: —, Cash Organizations: Service, Federal Reserve, Apple, Discover, Discover Bank Locations: Canada, Mexico, Caribbean

☆ Ukraine's Zelenskiy: Irresponsible to Talk of Holding Elections in Wartime
▼ + stars: | 2023-11-06 | by ( Nov. | At P.M. | ) www.usnews.com time to read: +1 min

(Reuters) - Ukraine's President Volodymyr Zelenskiy said on Monday it was irresponsible to engage in talk of holding an election in Ukraine in wartime and called for unity to avoid pointless political discussions. "We all understand that now, in wartime, when there are many challenges, it is utterly irresponsible to engage in topics related to an election in such a frivolous manner," he said in his nightly video address. He has said he would like to run for a second term if a vote took place. Foreign Minister Dmytro Kuleba said at the weekend that the president was weighing the pros and cons of a wartime poll. Senator Lindsey Graham, for an election to proceed as evidence of the good state of Ukraine's democratic institutions.

Persons: Volodymyr Zelenskiy, Zelenskiy, Dmytro Kuleba, Lindsey Graham, Ron Popeski, Oleksandr Kozhukhar, Chris Reese, Jonathan Oatis Organizations: Reuters, Foreign, Republican U.S Locations: Ukraine

The CIBC Agility Savings Account pays 5.01% APY and has a cash bonus for new and existing customers. CIBC Bank USA, the United States division of Canadian Imperial Bank of Commerce, has a unique promotional offer for its high-yield savings account. New and existing clients may qualify for a $500 cash bonus with the CIBC Agility Savings Account. Featured Nationally Available Deposit RatesHow to qualify for the CIBC Agility Savings Account bonusFirst, you must deposit new money into a CIBC Agility Savings Account between November 1, 2023, and December 19, 2023. Products in this post: BrioDirect High-Yield Savings Account, Western Alliance Bank High Yield Savings Account, Pacific Western Money Market Account, CIT Bank Platinum Savings, Western Alliance Bank 16 Month No-Penalty CD, BMO Relationship Plus Money Market Account, SoFi Checking and Savings, U.S. Bank Standard Savings Account, Alliant High-Rate Savings Account, Bask Bank Mileage Savings Account

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☆ The best and worst restaurant chain apps, from Starbucks to McDonald's
▼ + stars: | 2023-11-06 | by ( Nancy Luna | ) www.businessinsider.com time to read: +11 min

We can order food, earn rewards, and find unique online-only offers. McDonald'sAfter lagging behind rivals for years, the chain's app now has over 57 million active members. That feature has been around since Dunkin's mobile app first launched in August 2012. The chain first began testing mobile ordering in a handful of markets in 2009 before going national in 2011. For example, the Chipotle app gives you uber-specific portion size choices such as "normal," "extra" or "light' servings.

Persons: —, Taco Bell, Dunkin, Taco, Brian Niccol, it's, Wendy's, Burger King, Domino's, They've, I'm, Joe, Chipotle Organizations: Starbucks, Service, Subway Subway, Subway, Restaurant, Taco Bell, Burger, Chipotle Locations: Cava, Burger

"We all understand that now, in wartime, when there are many challenges, it is utterly irresponsible to engage in topics related to an election in such a frivolous manner," he said. In peacetime, Ukraine would had held parliamentary elections in October and the first round of presidential vote in early spring 2024. Ukrainian Foreign Minister Dmytro Kuleba said at the weekend the president was weighing the pros and cons of a wartime poll. Zelenskiy himself had previously said he would be prepared to hold the vote if Ukraine secured the assistance it needed - and if election were deemed necessary. Zelenskiy had earlier said the attack in southern Zaporizhzhia region was "a tragedy that could have been avoided".

Persons: Volodymyr Zelenskiy, Zelenskiy, Lindsey Graham, Dmytro Kuleba, Ron Popeski, Oleksandr Kozhukhar, Chris Reese, Jonathan Oatis Organizations: U.S, Republican, Ukrainian, Thomson Locations: KYIV, Kyiv, Ukraine, Russian, Ukrainian, Zaporizhzhia, Lincoln

☆ I drove BMW's $68,000 Tesla rival. Here are 4 pros and 2 cons before you buy.
▼ + stars: | 2023-11-04 | by ( Tim Levin | ) www.businessinsider.com time to read: +1 min

I drove the i4, BMW's new Tesla rival. NEW LOOK Sign up to get the inside scoop on today’s biggest stories in markets, tech, and business — delivered daily. download the app Email address Sign up By clicking “Sign Up”, you accept our Terms of Service and Privacy Policy . For buyers desiring an EV that's a bit more conventional than what's on offer from the flashiest startups, there's the BMW i4. AdvertisementAdvertisement(For context, BMW lent me a $68,000 i4 eDrive40 with a generous list of optional features.

Persons: —, that's Organizations: Service, BMW i4, BMW

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