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☆ 9 charts show how buying a home has gotten harder for the average American
▼ + stars: | 2024-11-30 | by ( Alcynna Lloyd | Madison Hoff | ) www.businessinsider.com time to read: +8 min

Advertisement"A challenge for first-time homebuyers is higher mortgage rates, especially over the last year," Snowden said. "We see that a large share of homebuyers, especially first-time buyers, rely on gifts or loans from family and friends," Snowden said. The share of first-time homebuyers dropped to just 24% in 2024, down from 32% in 2023 and a record 50% in 2010. AdvertisementIn 2024, the median age of first-time buyers was 38, nine years older than in 1981. AdvertisementSince NAR started collecting data, single women homebuyers have outpaced single men homebuyers, but the gap has grown.

Persons: homebuying, Brandi Snowden, Snowden, hasn't, it's, homebuyers, —, Gen Zers, Gen Xers, Jessica Lautz Organizations: National Association of Realtors, Census Bureau, Department of Housing, Urban Development, NAR, Federal Reserve's Survey, Consumer Finances Locations: America, US

☆ Oracle is on pace for the best year since 1999. What led to the meteoric rise
▼ + stars: | 2024-11-30 | by ( Samantha Subin | ) www.cnbc.com time to read: +5 min

Oracle has soared 75% this year, headed for its second-best year on record and best since 1999, when shares roughly quadrupled in price. "The company is delivering a lot of value to its customers," said Dan Flax, senior research analyst at Neuberger Berman. ORCL ALL mountain Oracle, long term Now, refocusing on its cloud infrastructure business has helped Oracle master the AI ecosystem, fueling interest from investors. Still, investors such as Laffer Tengler Investments CEO Nancy Tengler view Oracle as operating in a sweet spot in the worlds of cloud computing and AI inference. "There's not a lot of companies that are growing" at the rate of Oracle.

Persons: ChatGPT, Jensen, That's, Bill Clinton, Dan Flax, Neuberger Berman, Larry Ellison, Elon Musk, hyperscalers, Angelo Zino, Zino, Robert Pavlik, Ellison, Larry, Kim Forrest, He's, Steve Jobs, What's, Forrest –, Nancy Tengler, Tengler Organizations: Oracle, Nvidia, Devices, Microsoft, Forbes, CFRA, Bokeh Capital Partners, Amazon, Tengler Locations: U.S

I’ve been covering Black Friday and Cyber Monday deals as an editor at NBC Select for four years, and I spent weeks combing through discounts to find the best Amazon Black Friday deals actually worth shopping. SKIP AHEAD Best Amazon Black Friday deals | More Amazon Black Friday sales | Best Black Friday sales at other retailers | How I picked the best Amazon Black Friday deals | Why trust NBC Select? 4.6-star average rating from 90,277 reviews on AmazonCrest 3D Whitestrips are one of our favorite at-home teeth-whitening products. Best Amazon Black Friday salesHere are the best Amazon Black Friday sales to know about. All the deals I recommend are at least 20% off and highly rated with at least a 4.0-star average rating from hundreds of reviews.

Persons: I’ve, I’ll, it’s, Bissell, Dyson, It’s, Grace, Stella, Zoe Malin, Nordstrom, BFRIDAY Dyson, sitewide Casper, Alo, TikTok Organizations: NBC, Black, Apple, Amazon Alexa, Amazon, Walmart, Nintendo, Navy, Gamestop, Wellness, Bath, Giftable Tech, Facebook, Twitter Locations: tangling, Bala

I frequently cover shopping events as a writer for NBC Select, and I spent weeks combing through discounts to find the best Black Friday streaming subscription deals actually worth shopping. SKIP AHEAD Best Black Friday streaming subscription deals | More Black Friday streaming subscription sales | How I picked the best Black Friday streaming subscription deals | Why trust NBC Select? Best Black Friday streaming subscription dealsHulu’s Black Friday offering allows you to save 90% a month on their ad-supported monthly membership. Best Black Friday streaming device salesHere are the best Black Friday streaming device sales to know about. How I found the best Black Friday streaming subscription dealsAll of my recommendations above are based on NBC Select’s previous coverage and reporting.

Persons: Max, you’ll, Peacock, TikTok Organizations: NBC, Black, Hulu, Disney, Paramount, Showtime, Sling, ESPN, Bravo, FX, Starz, YouTube, ABC, Fox, Amazon Prime, Facebook, Twitter

☆ UK lawmakers vote to allow assisted dying
▼ + stars: | 2024-11-29 | by ( Rob Picheta | ) edition.cnn.com time to read: +5 min

London CNN —British members of parliament have voted to legalize assisted dying, approving a contentious proposal that would make the United Kingdom one of a small handful of nations to allow terminally ill people to end their lives. The bill must still clear the House of Lords and parliamentary committees, but Friday’s vote marked the most important hurdle. Canada, New Zealand, Spain and most of Australia allow assisted dying in some form, as do several US states including Oregon, Washington and California. MPs were given a free vote on the issue, meaning they can support either side according to their conscience, with no political ramifications. Polling indicates that a comfortable majority of the public supports assisted dying.

Persons: Esther Rantzen, ” Rantzen, ”, ” Rachael Maskell, Rantzen, Jordan Pettitt, Tristan Osborne, Maskell, “, we’ve Organizations: London CNN, BBC, Labour, CNN, Health Service Locations: United Kingdom, Britain, Canada , New Zealand, Spain, Australia, Oregon, Washington, California, Westminster, Switzerland, Netherlands, Canada, England, Wales

The best Black Friday Apple Watch dealsThe Apple Watch Series 10 is the best Apple Watch for most people, and the 42mm model is currently 18% off for the lowest price we've seen since its launch in September 2024. Also, check out previous-generation models, which offer near-current-gen performance for lower prices, like the M3 MacBook Pro for 25% off. The updated base standard for RAM means the 2024 MacBook Pro is an excellent model to upgrade to. Those with future-proofing in mind should opt for the 2024 iPad Air, which can also be seen as a more affordable version of the 2024 iPad Pro models. For most people, the best Apple Watch is the Series 10, thanks to its always-on display and overall value.

Persons: you've, Apple, It's, it's, they've, They're, Max, Kim Kardashian Organizations: Business, Apple, Apple Watch, Amazon Apple, Apple MacBook, Air, Amazon, MacBook, Intel, M4, Apple AirPods, Amazon Beats

For example, right now, you can take 10% off a $100 Uber gift card or 20% off a $50 Spafinder gift card. As Black Friday sales tend to come and go, check this page often as we continue to update with new gift card deals. The best Black Friday gift card dealsInstacart $100 Gift Card $100.00 Instacart is a handy way to get ahold of your groceries without ever leaving the house. View at AmazonGap Options Gift Card $9.00 $10.00 Save 10% Take 10% off any denomination between $10 and $500 gift card using promo code SHOPEARLY. View at Giftcard.comBlack Friday gift cards FAQWhat is the best gift card to give?

Organizations: Business, Old Navy, Walmart, Financial, Bureau, Target Locations: Banana Republic

View at Amazon What we like Check mark icon A check mark. View at Amazon What we like Check mark icon A check mark. View at Amazon What we like Check mark icon A check mark. View at Amazon What we like Check mark icon A check mark. Apple's current AirPods lineup includes the AirPods 4, AirPods 4 with ANC, AirPods Pro 2, and the AirPods Max.

Persons: Max, Siri Organizations: Business, Black, Apple, ANC, Walmart, AirPods, Lightning

☆ Canadian news companies challenge OpenAI over alleged copyright breaches
▼ + stars: | 2024-11-29 | by ( ) www.cnbc.com time to read: +2 min

Five Canadian news media companies filed a legal action on Friday against ChatGPT owner OpenAI, accusing the artificial-intelligence company of regularly breaching copyright and online terms of use. OpenAI using other companies' journalism for their own commercial gain is not. In an 84-page statement of claim filed in Ontario's superior court of justice, the five Canadian companies demanded damages from OpenAI and a permanent injunction preventing it from using their material without consent. "The News Media Companies have never received from OpenAI any form of consideration, including payment, in exchange for OpenAI's use of their Works." The Canadian news companies' document did not mention Microsoft.

Persons: OpenAI, brazenly, Elon Musk Organizations: Microsoft, The Globe, Canadian Press, CBC, Radio, New, News Media Companies Locations: The, New York, Canadian

☆ The social media world is splintering, and it'll pave the way for a new breed of influencer
▼ + stars: | 2024-11-29 | by ( Lindsay Dodgson | ) www.businessinsider.com time to read: +5 min

A splintered social media world is on the horizon — and it's paving the way for a new, more authentic breed of influencer. "People are just trying to find authentic communities," Eric Wittman, CEO of photo-editing app VSCO, told Business Insider. Smoothy said she sees things changing, with different "tiers" of content creators emerging from the industry's oversaturation. New social media horizonsLucy Edgerley, the head of influence at the global social media agency Born Social, told BI that Gen Zers, in particular, are craving creativity, entertainment, and inspiration. Young people who have grown up with social media are learning the lessons about the dark side of it — the mental health toll, the bullying, and the over-consumerism — the hard way, he said.

Persons: Reddit, Eric Wittman, Wittman, Chand Rajendra, Kate Smoothy, Smoothy, Lucy Edgerley, Zers, Kim Murray, Murray, Edgerley Organizations: University of Massachusetts Amherst, Webhive, Social, Virality

All Apple iPad Black Friday deals are expected to last until midnight on November 29. View at Amazon What we like Check mark icon A check mark. View at Amazon What we like Check mark icon A check mark. View at Amazon What we like Check mark icon A check mark. It's compatible with Apple Intelligence AI features and supports the Apple Pencil Pro and the Apple Pencil (USB-C).

Persons: you've, it's, It's, you'll Organizations: Business, Apple Intelligence, Apple, iPad

☆ Elon Musk just gave a shoutout to this new Apple feature
▼ + stars: | 2024-11-29 | by ( Kenneth Niemeyer | ) www.businessinsider.com time to read: +2 min

AdvertisementElon Musk praised Apple's new hearing aid feature for AirPods. The FDA approved the feature as the first over-the-counter hearing aid software. Elon Musk, who has previously criticized Apple, appears to have been won over by one new feature. It shows a hard-of-hearing father using the feature on the Apple AirPods Pro 2 to hear his daughter opening Christmas presents. "Don't want it," Musk wrote in a June response to a Tim Cook post promoting Apple Intelligence on X.

Persons: Elon Musk, Musk, Apple, Tim Cook, Tesla's, Apple's Organizations: FDA, Apple, ChatGPT, Apple AirPods, OpenAI, Apple Intelligence, AirPods

☆ Spain approves law allowing 4 days of 'paid climate leave' after recent deadly floods
▼ + stars: | 2024-11-29 | by ( Joshua Nelken-Zitser | ) www.businessinsider.com time to read: +3 min

AdvertisementSpain has approved a law granting employees up to four days of paid climate leave. Spain is enacting a new law granting employees up to four days of paid climate leave following last month's devasting floods, which killed more than 200 people. "For the first time, Spain will have paid climate leave for working people," she said. In an interview with Spanish broadcaster RTVE, Díaz said the paid leave will be relevant whenever an authority issues a climate-related alert that advises people to stay at home for safety reasons. AdvertisementSpain's economy minister, Carlos Cuerpo, said on Thursday that the paid leave applies when employees cannot safely reach their workplace or work remotely, Euronews reported.

Persons: Yolanda Díaz, RTVE, Díaz, Esther Lynch, Lynch, Carlos Cuerpo Organizations: Spain's, Labour, Social, Ministers, European Trade Union Confederation, The Bank of Spain Locations: Spain, Valencia, Spanish, Valencian

☆ My solo trip to Greece helped me reset, but there are 5 things that would've made it even better
▼ + stars: | 2024-11-28 | by ( Katka Lapelosova | ) www.businessinsider.com time to read: +6 min

AdvertisementIn September, Katka Lapelosova took a solo trip to Greece. If she could do it over, she'd travel there with friends and rent a car. In September, I decided it was time for a solo trip to a Greek island to live out my "Mamma Mia" dreams. The author came across a lot of gap year travelers during her trip to Zakynthos. Understand the difference between beachfront and beach accessOne of the biggest things I'd change about my Greek island trip is booking a hotel that had beach access.

Persons: Katka Lapelosova, Mia, Rhodes, I'd, — Organizations: New York, Colgate Locations: Greece, Zakynthos, Europe, New, New York City, Corfu, Katka, Athens, Taxis

☆ Savings, CD and Checking Account Interest Rates Today: Earn up to 4.85% APY
▼ + stars: | 2024-11-27 | by ( Business Insider | ) www.businessinsider.com time to read: +7 min

Featured High Interest Checking Account Offers Compare checking accounts that offer high APYs, rewards on debit card purchases, or both. UFB Direct Freedom Checking with Portfolio Savings: Earn 2.00% APY on your checking account. High-Yield Savings AccountsThe best high-yield savings accounts provide the security of a savings account with the added bonus of a high APY. A checking account is like a hub for your money: If your paycheck is direct deposited, it's typically to a checking account. 2-Year CDsThe best 2-year CD rates will be slightly lower than 1-year and no-penalty CD rates.

Persons: APYs, —, Cash, we've Organizations: Federal Reserve, Cash Locations: —

In college, Shaan Patel used $3,000 in extra scholarship money to start a business that now earns $150,000 per year in passive income. He used $3,000 in extra scholarship money to invest in the earliest stage of his company, Prep Expert, a digital SAT and ACT prep course company. We can learn three things from Patel about starting a business that earns $150,000 annually in passive income. His first class took place in the summertime, between school semesters, and included 18 high school students eager to raise their scores. Patel used that money to hire more employees who could create digital courses and provide real-time tutoring for high school kids who needed help in other subjects.

Persons: Shaan Patel, Patel, Mark Cuban, —, you'll, weren't, doesn't Organizations: SAT, ACT, Service, Ivy League, Prep, Business, Tank, Cuban Locations: Las Vegas

☆ Musicians are increasingly forgoing the major-label system. The problem is that most can't afford to.
▼ + stars: | 2024-11-27 | by ( Callie Ahlgrim | ) www.businessinsider.com time to read: +6 min

AdvertisementDespite the democratization of music in the streaming era, it's still very expensive to record an album. Although many artists are forgoing record labels, it's nearly impossible to become a superstar without one. When I did my album, I don't even know how much the producers got paid — it just was done," Chinouriri says. Advertisement"I don't know how I'd be able to do all of this and then have to think of the cost," Chinouriri adds. "I don't know how Raye does it, I don't know how Tinashe does it.

Persons: it's, yearn, Raye, Tinashe, Lizzie Widhelm, You've, there's, Donald Passman, everybody's, They'll, Passman, Long, Derek White, who's, Rihanna, Kelly Clarkson, Alexis, Rachel Chinouriri, would've, Chinouriri, I've, she's, I'd, Tinashe's, they've, Solitro Organizations: Music, Spotify, The Recording Academy Muni, Fifth Harmony, Apple, Parlophone, Atlas Artists, Polydor, RCA Locations: Atlanta, London

When Erika Kullberg's law firm refused to accommodate a family emergency, she knew she had to quit. Kullberg left her law firm after she was denied an extension on a work assignment despite being in the middle of a family emergency. When Kullberg left her law firm — and her salary with it — these are the steps she took to ensure she'd still be financially secure. "I had a number of months I was very, very comfortable with, and so I made sure that that was saved up." "Ever since I was at a law firm, I was really frugal," she said.

Persons: Erika Kullberg's, —, Erika Kullberg, Kullberg, wasn't, doesn't Organizations: Finance, Service

Some parents fear their kids will waste money, sink into debt, and never move out. The financial planner tells parents to foster independence in their kids even if it's uncomfortable. AdvertisementMark Berg, who founded Timothy Financial Counsel in 2000, says there are steps parents can take to avoid that fate. AdvertisementLimiting spending money also teaches kids about opportunity cost, reinforcing the idea that money is scarce and there are constraints on what they can afford. The veteran financial planner suggested parents be up front with their kids about how much they can contribute to their college funds.

Persons: Mark Berg, —, Berg, they're, " Berg Organizations: Service

☆ Kohl's lowers annual sales forecast again on muted holiday shopping demand
▼ + stars: | 2024-11-26 | by ( ) www.cnbc.com time to read: +2 min

Kohl's on Tuesday forecast a bigger drop in annual sales than previously expected, a sign the department-store chain is struggling to draw in shoppers as it navigates a CEO change ahead of a promotion-heavy holiday shopping season. "Our third-quarter results did not meet our expectations, as sales remained soft in our apparel and footwear businesses," Kingsbury said. The CEO's surprise departure comes as the company enters the critical holiday shopping period including Black Friday, one of the busiest times of the year for retailers and shoppers. It logged a decrease in comparable sales of 9.3% for the quarter ended Nov. 2, its eleventh consecutive quarter of decline. This is Kohl's third straight quarter with a lowered sales forecast.

Persons: Kingsbury, Kohl's, Tom Kingsbury, Ashley Buchanan, Cos Organizations: Walmart, Michaels Companies, LSEG Locations: Paxton, Harrisburg, Kohl's, Falls , Wisconsin

☆ Proposed law aims to help Americans save more for retirement—but could end up hurting Gen Z, millennial workers
▼ + stars: | 2024-11-26 | by ( Ryan Ermey | ) www.cnbc.com time to read: +3 min

The bipartisan legislation, introduced to Congress in 2023, would create a federal workplace retirement account for workers, similar to a 401(k). Such a plan would undoubtedly improve outcomes for those who wouldn't have otherwise have access to workplace retirement accounts, a recent study from Morningstar finds. Matching tax credit: Workers under a certain salary threshold would be eligible for a "match" in the form of a federal tax credit. Workers under a certain salary threshold would be eligible for a "match" in the form of a federal tax credit. "A lot of people would think of this federal plan as their [only] plan," he says.

Persons: Uncle Sam, Spencer Look, there'd Organizations: Savings, Morningstar, Workers

☆ The full list of auto companies cutting jobs, including GM, Ford, and Stellantis
▼ + stars: | 2024-11-26 | by ( Nora Naughton | ) www.businessinsider.com time to read: +5 min

A protracted transition to electric vehicles is taking its toll on global car companies, many of which still have yet to profit from battery-powered vehicles. This presents a problem for car companies that need mass adoption to deliver profits for these expensive vehicles. Here are all car companies with job cuts planned or already underway in 2024. Prior to the November job cuts, GM also trimmed another 1,000 salaried positions in software and services, according to reports. In addition to these job cuts, Ford also announced curtailed production at a factory in Cologne in the first quarter of 2025.

Persons: Ford, VW's, Stellantis, Elon Musk, Tesla Organizations: Ford, Motors, Detroit, General Motors, GM, United Auto Workers, BYD, Volkswagen, VW, Chrysler, Jeep, UAW, Business, Tesla, Nissan Locations: Detroit, China, Europe, Germany, Cologne, Germany German, BYD, Illinois

☆ 10 holiday desserts that need 5 ingredients or fewer
▼ + stars: | 2024-11-26 | by ( Erin Mcdowell | ) www.businessinsider.com time to read: +1 min

When it comes to holiday baking, you don't need to spend time or money on complicated recipes. Many festive desserts like peanut-butter balls and chocolate bark only call for a few ingredients. Go to newsletter preferences Thanks for signing up! From peanut-butter balls and rich chocolate fudge to peppermint bark, these festive desserts only require a few ingredients to make, and you might already have all of the ingredients lying around. Here are 10 festive holiday desserts that only need five ingredients or fewer.

Persons: — Organizations: Service

☆ Flight attendants share secrets to surviving holiday travel
▼ + stars: | 2024-11-25 | by ( Francesca Street | ) edition.cnn.com time to read: +28 min

But it doesn’t have to, just ask the world’s flight attendants. “It’s important for flight attendants to know who is sitting in what seats,” she says. And during those quieter moments, he says flight attendants “honestly love to talk to passengers.”We love when people come back and talk to us. Liz SimmonsFor flight attendants, interacting with the occasional famous face is just part of the job. While gifts are thoughtful, flight attendants don’t expect them, and especially not extravagant ones.

Persons: anyone’s, Hunter Smith, Lihas, Liz Simmons, you’ve, Elijah Nouvelage, Smith, “, ”, you’re, Kamil Krzaczynski, Simmons, Mike Blake, FlightRadar, “ It’s, you've, Joshua Lott, don’t, Kent Nishimura, “ I’m, who’s, they’ve, it’s, — Simmons, ” Smith, there’s, — isn’t, ” Simmons, “ It’ll, Alexander Spatari, ” I’ve, who’ve, lister, I’ve, she’s, everyone’s, Liz Simmons “, ’ Simmons, Kevin Lamarque, “ I’ve, They’re Organizations: CNN, Reuters, Getty, Facebook, Los Angeles Times, Netflix, Hallmark, Hollywood, “, Disney Locations: Florida, AFP, earshot, Greece, You’re, London, New York, “

☆ Trump's trade plan could mean higher prices, and avoiding the impact won't be simple
▼ + stars: | 2024-11-25 | by ( Dan Defrancesco | ) www.businessinsider.com time to read: +7 min

In today's big story, Trump's trade plans could spell trouble for prices, and preparing for it isn't so easy . AdvertisementThe prevailing theory among many economists is Trump's plan will increase prices and inflation as companies pass the cost of the taxes down to their customers. He told BI he views them more as a negotiation tactic with China and American companies with operations there. Still, some experts told BI they foresee obstacles to making it a reality . Sector experts told BI the massive chipmaker will continue to make its most advanced tech in Taiwan .

Persons: Drew Angerer, Tyler Le, Donald Trump's, Emily Stewart, We're, Philip Daniele didn't sugarcoat, John David Rainey, There's, Dominick Reuter, Emily, Trump, Nobel, Simon Johnson, Brian Cornell, Natalie Ammari Baby boomers, Scott Bessent, George Soros, Bluesky, Rose Wang, It's, Chelsea Jia Feng, Taylor Swift, they'll, crosshairs, Elon Musk, Vivek Ramaswamy's, Biden, Alex Jones, Menendez, Dan DeFrancesco, Grace Lett, Lisa Ryan, Ella Hopkins, Amanda Yen, Jack Sommers, Milan Sehmbi Organizations: Business, Getty, Walmart, Electronics, Target, Social Security, Treasury, Trump, Nvidia, White, Los Locations: China, Phoenix, Taiwan, Florida, Washington, Los Angeles, New York, Chicago, London

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