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☆ Sephora is dropping the beauty lines of TikTok stars Addison Rae and Hyram Yarbro
▼ + stars: | 2023-01-10 | by ( Madeline Berg | Lakshmi Varanasi | ) www.businessinsider.com time to read: +6 min

Influencer brands Item Beauty and Selfless by Hyram are being pulled from Sephora. Addison Rae launched Item Beauty in 2020, while Hyram Yarbro launched Selfless in 2021. Insider has confirmed from a well-connected industry source that Sephora will be pulling Addison Rae's Item Beauty and Hyram Yarbro's Selfless by Hyram from its shelves. Item Beauty was launched in August 2020 by Rae, who shot to internet fame by replicating viral dances on TikTok. There are bright spots among celebrity-backed brands, like Selena Gomez's Rare BeautyThat isn't to say that all celebrity-founded beauty brands have fared poorly.

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☆ How to balance retirement and emergency savings in a shaky economy
▼ + stars: | 2023-01-06 | by ( Kate Dore | Cfp | ) www.cnbc.com time to read: +1 min

It's not easy to prioritize financial goals, especially when choosing between two essentials in an unsteady economy: saving for retirement or building your emergency fund. Indeed, more than half of savers are prioritizing short-term financial goals in 2023, including emergency savings, according to a recent study from Fidelity Investments. While maxing out your 401(k) should be the goal, your emergency savings is also important, she said. Leslie Beck, a Rutherford, New Jersey-based CFP and owner of Compass Wealth Management, said she has a "rule of thumb" for how to decide between retirement and emergency savings. Then, if your emergency savings are short after that, you should "definitely" divert the funds, she said.

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☆ The fintech reckoning is upon us. Here’s what to expect next year
▼ + stars: | 2022-12-28 | by ( Hugh Son | ) www.cnbc.com time to read: +9 min

Many fintech companies — particularly those dealing directly with retail borrowers — will be forced to shut down or sell themselves next year as startups run out of funding, according to investors, founders and investment bankers. Other private companies with a reasonable path to profitability will typically get funding from existing investors. The frenzy peaked in 2021, when fintech companies raised more than $130 billion and minted more than 100 new unicorns, or companies with at least $1 billion in valuation. "20% of all VC dollars went into fintech in 2021," said Stuart Sopp, founder and CEO of digital bank Current. "The competitive landscape shifts the most during periods of fear, uncertainty and doubt," said Kelly Rodriques, CEO of Forge, a trading venue for private company stock.

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A checking account and a savings account are two basic, but very important, accounts for managing money. This is why high-yield savings accounts are generally recommended as a vehicle for keeping savings, including your emergency fund. Some checking accounts, like the Ally Interest Checking Account or the Capital One 360 Checking® accounts do offer slightly higher interest rates compared to traditional checking accounts, but the interest is still lower than what high-yield savings accounts offer. How much money should you keep in a high-yield savings account? Of course, you'll want to also consider your stage of life and your needs when determining how much money to keep in a high-yield savings account.

☆ Pizza for Thanksgiving: Gen Zers trying to save money are ditching tradition in favor of affordability
▼ + stars: | 2022-11-24 | by ( Shriya Bhattacharya | ) www.businessinsider.com time to read: +2 min

Wells Fargo's report found that the price of groceries has increased at a rate of 9.81%. Items like turkey have become more expensive, so Gen Zers are celebrating Thanksgiving differently. Many young people are also battling student debt — the average loan balance for Gen Zers is $20,900, which is 13% higher than millennials. A survey of 1,000 participants conducted by the financial advisor Personal Capital last month found that 32% of Gen Zers are choosing to adapt their Thanksgiving so they can spend less money. The survey also found that many young people are forgoing the tradition of centering their meal around turkey, opting for a cheaper option instead: pizza.

☆ Credit card balances jump 15%, highest leap in over 20 years, as Americans fall deeper in debt
▼ + stars: | 2022-11-16 | by ( Jessica Dickler | ) www.cnbc.com time to read: +2 min

Not only are credit card balances back to pre-pandemic levels, but consumers are also carrying balances for long periods. Among Americans who carry credit card debt from month to month, 60% have been in credit card debt for at least a year, according to CreditCards.com. As the Federal Reserve raises its target federal funds rate, credit card annual percentage rates are climbing, as well. High inflation and high interest rates are making it harder than ever to pay down credit card debt. As the federal funds rate rises, the prime rate does, as well, and credit card rates follow suit.

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Crystal Cox/Business InsiderCredit card rewards come in all types, from cash back, airline miles, hotel points, and transferable points. Among people well versed in rewards credit cards, there's a bit of common knowledge: Not all rewards points are created equal. However, if you transferred your Chase Ultimate Rewards points to United, you could potentially book the same flight for half as many points. But when you have the Chase Sapphire Preferred® Card or Ink Business Preferred® Credit Card, you get a 25% bonus in value. Best credit cards for earning transferable pointsThe best transferable-point credit card for you depends on what credit card rewards program is most appealing.

Highest savings account rates: October 17, 2022 UFB Elite SavingsBask Bank Interest Savings AccountCIT Bank Savings Connect AccountBread Savings High-Yield Savings AccountLendingClub High-Yield Savings AccountBrioDirect High-Yield Savings AccountCredit Karma Money Save AccountPersonal Capital Cash AccountTAB High-Yield Savings Account Chevron icon It indicates an expandable section or menu, or sometimes previous / next navigation options. Pros Check mark icon A check mark. More Information Keep up to $1 million in an accountInterest compounded daily, paid monthlyFDIC insuredThe Bread Savings High-Yield Savings Account is another solid high-yield savings account. Pros Check mark icon A check mark. High APY Check mark icon A check mark.

Highest savings account rates: October 10, 2022 UFB Elite SavingsBread Savings High-Yield Savings AccountLendingClub High-Yield Savings AccountBrioDirect High-Yield Savings AccountBask Bank Interest Savings AccountCredit Karma Money Save AccountCIT Bank Savings Connect AccountPersonal Capital Cash AccountTAB High-Yield Savings Account Chevron icon It indicates an expandable section or menu, or sometimes previous / next navigation options. Pros Check mark icon A check mark. High interest rate Check mark icon A check mark. Pros Check mark icon A check mark. More Information Keep up to $1 million in an accountInterest compounded daily, paid monthlyFDIC insuredThe Bread Savings High-Yield Savings Account is another solid high-yield savings account.

According to financial advisors, your money will lose value over time due to inflation by doing this. Setting financial goals, saving for retirement, and learning more about basic investing can help. Lauren Anastasio, Director of Financial Advice and financial planner at Stash, says there's an opportunity cost to keeping cash. Evon Mendrin, a financial planner, says that too much cash can be a sign that a person doesn't have financial goals or priorities. "Once that bucket is filled, then think about your mid-term and longer-term financial goals.

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The new Capital One Spark Cash Plus offers a huge welcome bonus offer and 2% cash back on all purchases with no limits. Read our review Read Our Review A looong arrow, pointing rightReview: Is the Capital One Spark Cash Plus the best card for you? Benefits and featuresWhile Capital One is all about simplicity, there are several great benefits to the Capital One Spark Cash Plus Card. Capital One Spark Cash Plus card — Frequently Asked Questions (FAQ)What kind of card is the Capital One Spark Cash Plus? The Capital One Spark Cash Plus is a small-business charge card, which is a little different from a credit card.

☆ 'The investments just grew so much': A single mom quit her job after reaching financial freedom in 4 years with a $900,000 portfolio. She shares 3 steps every woman should take to reach earlier retire
▼ + stars: | 2022-01-12 | by ( Laila Maidan | ) www.businessinsider.com time to read: +7 min

She started her career in 2002 but had contributed only about 10% of her salary to her retirement accounts — and not every year. Before 2017, she had $125,000 saved in her retirement accounts, she said. Everything changed that year when she decided to start maxing out her tax-deferred accounts. Her process didn't involve any strategic maneuvers in the stock market like swing or options trading. The second key step is you need to max out your tax-deferred accounts, such as a 401(k), 403(b), and 457(b), she said.

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