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☆ Halloween kicks off a season of home insurance risks. Here's what homeowners need to know
▼ + stars: | 2024-10-31 | by ( Ana Teresa Solá | ) www.cnbc.com time to read: +3 min

Solstock | E+ | Getty ImagesWith all the festivities that happen around Halloween and the trick-or-treaters ... think about the safety of the pathways and the accessibility of your home. Make sure the pathways are clear and "everything is very well lit," she said. "We recommend that you use LED lights or battery lights instead of live candles for safety reasons," said Orbann. Secure your pets and belongingsIf you have a pet, make sure they're secured on Halloween, both to protect trick-or-treaters and the pet as well, said Orbann. "If the dog isn't trained and there's a loss or an injury, that's going to increase your liability insurance tremendously," Worters said.

Persons: Angi Orbann, you've, Orbann, Worters, who's, Loretta Worters, they're, that's Organizations: Travelers Insurance, Insurance, Institute Locations: Turkey

☆ AI is coming to Google Maps to help you find inspiration for what to do in an area
▼ + stars: | 2024-10-31 | by ( Ana Altchek | ) www.businessinsider.com time to read: +4 min

Google Maps and its platforms rolled out a Gemini AI update that enhances its location services. Starting this week, the company's Gemini AI will be integrated into Google Maps in the US on Android and iOS. Google vice president Miriam Daniel told Business Insider that the presentation of the results in Google Maps and the Gemini app might look different, "but the fundamental core is somewhat the same." AdvertisementDrivers will be able to report incidents within Google Maps. The tech giant has been working on integrating AI into various platforms, such as AI Overviews in Google search results.

Persons: —, Miriam Daniel, Susanne Franz, We're, Daniel Organizations: Google, Gemini, Drivers, Service, Waze, Android, Business

☆ Rules will need to change if we want more cross-border market consolidation in Europe, Santander executive chair says
▼ + stars: | 2024-10-31 | by ( ) www.cnbc.com time to read: 1 min

Share Share Article via Facebook Share Article via Twitter Share Article via LinkedIn Share Article via EmailRules will need to change if we want more cross-border market consolidation in Europe, Santander executive chair saysAna Botín, the executive chair of Santander, discusses the Spanish economy, European banking consolidation and the U.S. election at the Santander International Banking Conference in Madrid.

Persons: Ana Botín Organizations: Santander, Santander International Banking Locations: Europe, Santander, Madrid

☆ 'Inflation is like a regressive tax,' economist says — only one group can 'easily afford' holiday spending this year
▼ + stars: | 2024-10-30 | by ( Ana Teresa Solá | ) www.cnbc.com time to read: +1 min

About half, or 52%, of shoppers with incomes of $100,000 or more believe they can "easily afford" holiday expenses in 2024, according to Morning Consult, a survey research firm. To that point, 33% of those who earn $50,000 to $99,900 said they can afford holiday spending. Meanwhile, 18% of respondents who earn below $50,000 annually can sustain the costs, the report found. "Inflation is like a regressive tax," said Sofia Baig, economist at Morning Consult. "It hurts lower income people more than higher income people because it takes out a larger chunk of their wallet."

Persons: Roth, Sofia Baig Organizations: Finance, Morning Locations: U.S

☆ I'm a CEO who started a company and had a baby at the same time. Fatherhood has completely changed how I think about work.
▼ + stars: | 2024-10-30 | by ( Perri Ormont Blumberg | ) www.businessinsider.com time to read: +6 min

Balancing family and entrepreneurship, MacKay prioritizes family time while building Cadence. AdvertisementThis as-told-to essay is based on a conversation with Andrew Ross MacKay, the 33-year-old cofounder and CEO of Cadence, based in Los Angeles. I'm now the cofounder and CEO of Cadence, a salt-based electrolyte drink. This year, my daughter, Bloom, was born on March 20Mackay and his family. My family deserves me to be at my best, and to do that, I need to feel passionate about what I'm building.

Persons: Andrew Ross MacKay, MacKay, Bloom, MacKay prioritizes, —, I'm, Peter Thiel, Drake, George Heaton, Mackay, Anastasia Hing, Anastasia, I've, Ana, I'd Organizations: Cadence, Service, Daring Foods, D1 Capital, Founders Fund, Daring, Ana Locations: Los Angeles, Glasgow, Scotland

☆ Google delivers a big earnings beat fueled by AI growth
▼ + stars: | 2024-10-29 | by ( Ana Altchek | Geoff Weiss | ) www.businessinsider.com time to read: +5 min

The company beat on revenue, EPS, its ads business, and Google Cloud revenue, which grew 35% year over year. Revenue from Google Cloud grew 35% year over year to $11.4 billion, bolstered by "accelerated growth" in the company's AI products, the company said. Here are the key numbers for the third quarter compared to analysts' estimates:AdvertisementEarnings per share : $2.12 vs. $1.83 expected: $2.12 vs. $1.83 expected Revenue : $88.27 billion vs. $86.44 billion expected: $88.27 billion vs. $86.44 billion expected Google Advertising : $65.9 billion vs. $65.5 billion: $65.9 billion vs. $65.5 billion YouTube advertising revenue : $8.92 billion vs. $8.89 billion expected: $8.92 billion vs. $8.89 billion expected Google Cloud revenue: $11.35 billion vs. $10.79 billion expectedSource for analyst expectations: BloombergAlphabet and Google CEO Sundar Pichai said the company's AI investments were "paying off." The AI results will now reach over 1 billion users on a monthly basis, he said, and ads in AI Overview are "performing well." Related stories"Today, more than a quarter of all new code at Google is generated by AI then reviewed and accepted by engineers," Pichai said.

Persons: Sundar Pichai, —, Pichai, Demis Hassabis, Evelyn Mitchell, Wolf, Mitchell Organizations: Google, Service, Google Cloud, Bloomberg, Apple, DOJ, Business

☆ I'm a California teacher who thinks phone use in classrooms is a big problem. I'm not convinced a new law will solve it.
▼ + stars: | 2024-10-29 | by ( Ana Altchek | ) www.businessinsider.com time to read: +6 min

California teacher Joelle Clark said phones are a distraction and policies on their use can be hard to enforce. AdvertisementThis as-told-to essay is based on a conversation with Joelle Clark, a 28-year-old public school teacher in California, about the state's new law requiring schools to develop a policy that limits smartphone usage by July 1, 2026. I'm a six-year teacher, and I teach special-ed high school students with mild to moderate learning disabilities. So, I moved out to California and I came into a school where students are constantly on their phones. Maybe we should have a class on phones to teach kids healthy habits and the danger of media.

Persons: Gavin Newsom, Bill, Joelle Clark, Clark, —, I'm, They're Organizations: Service, Apple Locations: California, Chicago

☆ Buying a home is 'a way to increase your net worth over time,' top-ranked advisor says
▼ + stars: | 2024-10-29 | by ( Ana Teresa Solá | ) www.cnbc.com time to read: +2 min

In the second quarter of 2024, U.S. homeowners with mortgages had a net homeowner equity of over $17.6 trillion, according to CoreLogic. It's also generally considered a path to build wealth and increase your net worth , financial experts say. It's a way to increase your net worth over time. Homeowners can start to see their equity and net worth increase within five to 10 years. Homeownership allows you to increase your net worth because you can build equity through mortgage payments, which increases your asset value over time as the property appreciates in value, experts say.

Persons: It's, Steven LaRosa, Freddie Mac Organizations: Edgemoor Investment, Urban Institute Locations: Bethesda , Maryland

☆ BookTok author Ana Huang mastered the art of billionaire romances. She said her first sports novel didn't come as easily.
▼ + stars: | 2024-10-28 | by ( Samantha Grindell | ) www.businessinsider.com time to read: +6 min

Huang, 33, writes spicy romance novels, many featuring billionaire love interests, like Alex Volkov in "Twisted Love" or Dante Russo in "King of Wrath." Huang also said she worked with alpha readers who read portions of her novel as it was in progress and provided feedback. She told BI that alpha readers are particularly popular with self-published authors, though traditionally published writers could benefit from them, too. Huang has a "core group" of alpha readers who have been reviewing drafts of her books since mid-2021 or early 2022. "I'll also ask my editors if they know anyone who can alpha read for certain topics, and they usually do."

Persons: Ana Huang, Huang, —, Ana Huang's, Alex Volkov, Dante Russo, BookTok, Asher Donovan, Asher, Vincent Dubois, Scarlett Dubois, Vincent's, I've Organizations: Service, Variety, Premier League, Bloom, Leisure, Forbes, Valhalla Locations: TikTok

☆ The Apple devices that can run Apple Intelligence AI features — and those that can't
▼ + stars: | 2024-10-28 | by ( Ana Altchek | ) www.businessinsider.com time to read: +3 min

Apple rolled out new Apple Intelligence features with iOS 18.1 on Monday. If you don't have a brand-new Apple device, you might still be able to take advantage of Apple Intelligence. You can also access Apple Intelligence features on the iPhone 15 Pro and iPhone 15 Pro Max. Users with an iPhone 15 Plus, iPhone 15, or any earlier version cannot access Apple Intelligence features. Those are the iPad Pro, iPad Air, and the iPad Mini.

Persons: —, Siri, Max Organizations: Apple, Apple Intelligence, Service, Sequoia, iPad, MacBook, Mac

☆ People paid $50,000 to reserve Tesla's new Roadster nearly 7 years ago. Its launch date remains a mystery.
▼ + stars: | 2024-10-27 | by ( Ana Altchek | ) www.businessinsider.com time to read: +5 min

Elon Musk recently said Tesla's Roadster takes a back seat to more pressing projects. Nearly seven years after first unveiling the new Roadster, its release date remains a mystery. During Tesla's third-quarter earnings call, Elon Musk thanked the "long-suffering deposit holders," many of whom paid $50,000 in 2017 to reserve the much-delayed electric sports car. Related storiesMusk first announced the new Tesla Roadster in November 2017 and said it would be "the fastest production car ever made, period." The interior design of the Tesla Roadster was shown off in November 2017.

Persons: Tesla's, Elon Musk, —, Tesla, Musk, weren't, Kate Leaman, Leaman, it's, Jacob Bourne, Bourne, Dan Ives, Don Lemon, Peter Thiel Organizations: Analysts, Service, Wall Street, Business, Tesla, Base Roadster, SpaceX

☆ Tesla ends the week on a high fueled by earnings 'surprise'
▼ + stars: | 2024-10-26 | by ( Ana Altchek | ) www.businessinsider.com time to read: +3 min

Tesla stock has surged since the company reported earnings on Wednesday. AdvertisementTesla's stock price has been on a tear in the two days since the carmaker reported quarterly earnings that exceeded expectations. AvaTrade's chief market analyst, Kate Leaman, told BI that Tesla's earnings were a "surprise beat, which always gives the stock a push." Ahead of the earnings report, analysts had concerns about waning EV demand and the impact of Tesla's price cuts on its profitability. Dan Ives, a Tesla bull and an analyst at Wedbush Securities, called Tesla's earnings figures a "Goldilocks quarter."

Persons: Jacob Bourne, —, Elon Musk, Tesla, Kate Leaman, Tom Narayan, Dan Ives, Emarketer's Bourne, Tesla's Cybercab, Bourne, Chowdhry, Donald Trump, Narayan, Musk Organizations: Wall Street, Service, Wall, Business, RBC Capital, Wedbush Securities, Global, Tesla Locations: Texas, California, Bay

☆ This is ‘the biggest difference’ in today’s housing market, according to the Property Brothers
▼ + stars: | 2024-10-25 | by ( Ana Teresa Solá | ) www.cnbc.com time to read: +2 min

watch nowMany factors make it hard to buy a home today, but the one that makes "the biggest difference" in today's market is the housing shortage, Property Brother Drew Scott said at CNBC's Your Money event on Thursday. "I don't think people realize this shortage of housing that we have affects everything," added his brother Jonathan Scott. Why there's a housing shortageAs of mid-2023, there's a housing shortage of 4 million homes, according to the National Association of Realtors. While there have been recent signs of improvement for housing supply, it's not enough to solve the underlying constraint in the U.S. housing market. 'It's ok if you wait a few years'The Property Brothers Drew Scott (L) and Jonathan Scott.

Persons: Drew Scott, Jonathan Scott, Jonathan, Jason Davis Organizations: Census, Federal Reserve, CNBC, National Association of Realtors, Construction, Getty Locations: U.S

☆ 6 new things Elon Musk said about the Cybercab on Tesla's earnings call
▼ + stars: | 2024-10-24 | by ( Ana Altchek | ) www.businessinsider.com time to read: +6 min

Elon Musk talked more about the autonomous Cybercab during Tesla's third-quarter earnings call. AdvertisementIt's been less than a month since Elon Musk unveiled the Tesla Cybercab, an autonomous robotaxi without a steering wheel or pedals, at the company's "We, Robot" event. AdvertisementMusk says Cybercab will reach volume production in 2026Tesla's Cybercab was first shown off at the company's "We, Robot" event on October 10, 2024. "I do feel confident of Cybercab reaching volume production in '26, not just starting production, reaching volume production in '26," he said. "It's not, it's especially not just a revolutionary vehicle design, but a revolution in vehicle manufacturing that is also coming with the Cybercab," Musk said.

Persons: Elon Musk, Musk, —, It's, Tesla, Tesla's Cybercab, Tesla Musk, it's Organizations: Service, Wall Street Locations: Texas, California

☆ 4 ways to make your home down payment savings grow, according to top-ranked advisers
▼ + stars: | 2024-10-23 | by ( Ana Teresa Solá | Ana Teresa Solá Is A Personal Finance Reporter For Cnbc. | ) www.nbcnews.com time to read: +6 min

High-yield savings accountsA high-yield savings account earns a higher-than-average interest rate compared with traditional savings accounts, helping your money grow faster. “High-yield savings accounts [are] great if you’re going to be buying in the next year,” Williams said. Money market fundsA money market fund generally has a slightly higher yield than a HYSA, said Dennehy. Some of the highest-yielding retail money market funds are nearly 5% as of Oct. 23, according to Crane Data. Still, money market funds are considered low risk and are intended not to lose value, according to Vanguard.

Persons: ”, Ryan Dennehy, it’s, Shaun Williams, Dennehy, there’s, Jeffrey Hanson, “, ” Williams Organizations: California Financial Advisors, CNBC, Census, Federal Reserve, Paragon Capital Management, National Association of Realtors, PMI, Mortgage, Treasury, U.S ., Traphagen Financial, Federal Deposit Insurance Corp, Vanguard, Securities Investor Protection Corp Locations: California, San Ramon , California, Denver, Oradell , New Jersey, Denver , Colorado

☆ One Direction was their childhood. Liam Payne’s death means grieving their youth
▼ + stars: | 2024-10-22 | by ( Leah Asmelash | ) edition.cnn.com time to read: +6 min

Looking back now, the members of One Direction seemed funny and kind, Dee said; their zest for life inspired her. Payne’s death, for some, feels like a complete end to that collective journey. Prior to Payne’s death, Azar’s account had been on hiatus for years. Other fans, now adults, have reported getting messages from childhood friends and classmates about Payne’s death. When Payne’s death was announced, she started crying in her car.

Persons: Mikaela Dee, Dee, haven’t, Liam Payne, “, ” Mikaela Dee, Mikaela Dee “, Payne, ”, Joe Azar, Azar, Zayn, ’, ” Dee, Borja, John Lennon, hadn’t, Maya Minich, Minich Rafy Evans, Directioners, ’ ” Evans, Minich, who’s Organizations: CNN, –, CVS, Magazine Locations: Argentina, Payne’s, Dee, Santa, Madrid, Spain, New, Los Angeles

☆ Romance author Ana Huang says self-publishing books is like running a small business
▼ + stars: | 2024-10-22 | by ( Samantha Grindell | ) www.businessinsider.com time to read: +8 min

Huang, now a beloved BookTok author, compared self-publishing to running a small business. Self-publishing for creative controlUnlike many unknown authors, Huang didn't dream of signing with a traditional publisher when her writing career began. "I didn't start out thinking I would be traditionally published or even that I necessarily wanted to be traditionally published," Huang told BI. Advertisement"For like a year or two, all I did was just consume content about self-publishing," Huang said. Huang told BI her fans can look forward to a darker hero in her next release.

Persons: Ana Huang, Huang, —, Ana Huang's, Asher Donovan, Scarlett Dubois, Forbes, — Huang, Huang didn't, Heidi Gutman, Taylor Swift, HarperCollins —, Bloom, Meghan Quinn, Grey, E.L, James, BookTok, it's, they're, that's, I'm, Asher Organizations: Service, —, ABC, HarperCollins, Bloom Books, Entertainment, Facebook Locations: BookTok

☆ Banco Santander Executive Chairman Ana Botin goes one-on-one with Jim Cramer
▼ + stars: | 2024-10-21 | by ( Jim Cramer | ) www.cnbc.com time to read: 1 min

Banco Santander Executive Chairman Ana Botin goes one-on-one with Jim CramerBanco Santander Executive Chairman Ana Botin joins 'Mad Money' host Jim Cramer to talk the global financial picture, lending in the U.S., and more.

Persons: Ana Botin, Jim Cramer Organizations: Banco Santander, Jim Cramer Banco Santander Locations: U.S

☆ Do real estate agents have to disclose if someone died in a house? Here's how to find out
▼ + stars: | 2024-10-21 | by ( Ana Teresa Solá | ) www.cnbc.com time to read: +6 min

Harrison Beacher real estate agent and managing partner at Coalition Properties Group in Washington, D.C. States such as Georgia do not require real estate agents or sellers to disclose upfront if the home was the site of a death. Nearly three-quarters, 72%, of potential homebuyers said they would buy a "haunted" house for a lower price, according to a new report by Real Estate Witch, a data site owned by Clever Real Estate. In some states, real estate agents need to provide truthful information upon a buyer's request, or at the very least, point you toward the right direction to find out. Besides the real estate agent, neighbors can give you first-hand experience of the area, as well as information about the previous homeowners.

Persons: Matt Champlin, Harrison Beacher, Zers, I'm, homebuyers, Daryl Fairweather, Fairweather, Beacher, Leno, Rosemary LaBianca, Charles Manson's, Zak Bagans, Connie Vavra, Theresa Payton Organizations: National Association of Realtors, NAR, Coalition Properties Group, Washington , D.C, Finance, Real, White House Locations: Washington ,, California, Alaska, Dakota, New York, Georgia, Elgin , Illinois

☆ I've worked at Google, Amazon, and Uber. These are 3 common mistakes I see when people apply for tech jobs.
▼ + stars: | 2024-10-21 | by ( Ana Altchek | ) www.businessinsider.com time to read: +6 min

Alexandria Sauls worked at Amazon, Uber, and PayPal before landing a job at Google. Sign up to get the inside scoop on today’s biggest stories in markets, tech, and business — delivered daily. Related storiesI learned the "Star" format at Amazon and I've used this same format of responding at every company since. Each bullet should be the "R" of the "Star" format: "result." With résumé format, I don't have a super strong opinion.

Persons: Alexandria Sauls, Sauls, —, I've, Steer, you'll, It's, you've, Gray Organizations: Amazon, PayPal, Google, Service, Uber, LinkedIn, Big Tech Locations: Alexandria, Houston, New York City

☆ Google Research execs reveal how they use AI in their daily lives — and where they think twice about it
▼ + stars: | 2024-10-20 | by ( Ana Altchek | ) www.businessinsider.com time to read: +3 min

Head of Google Research told BI the magic of technology is when you don't pay attention to using it. Executives for Google Research — the branch of the company that explores areas like machine learning, quantum AI, and science — shared with Business Insider how they use AI in their daily lives. Google Research head of product and UX Katherine Chou said she uses Lens, Google's tool that uses image recognition to identify images. Maya Kulycky, Google Research's VP of strategy, operations, and outreach, also said she is "a huge fan of Lens." AdvertisementVice President of Google Research, Yossi Matias, told BI some of his favorite tools allow listening to audio versions of articles or translating pages.

Persons: —, Katherine Chou, Maya Kulycky, Kulycky, Yossi Matias, Matias, it's, I'm, Gemini Apps Organizations: Google Research, Service, Business, Google, Gemini Locations: Chicago

☆ Google's viral AI podcast tool just got more useful
▼ + stars: | 2024-10-18 | by ( Ana Altchek | ) www.businessinsider.com time to read: +3 min

Google's NotebookLM Audio Overview feature went viral for its podcast-like AI discussions. Shortly after the AI tool's Audio Overview feature went viral, Google's product lead for NotebookLM, Raiza Martin, shared plans to release more features. Google's AI product made a splash in the tech world with its human-sounding "Deep Dive" conversation between two AI hosts, powered by the company's Gemini 1.5 large language model. The NotebookLM tool allows users to generate a roughly 10-minute AI Overview — basically an AI-generated podcast discussion — based on the material you upload. Additionally, with millions of people using the product, NotebookLM has officially removed the "Experimental" label for the product.

Persons: Google's, It's, —, Raiza Martin, Martin, NotebookLM, Donald Trump's Organizations: Service, Business Locations: NotebookLM

Meta terminated employees who used $25 Grubhub credits meant for office meals on non-food items. Meta employees reacted to the news on the company's Blind channel. The Grubhub meal perk is meant to support Meta employees at locations where free meals aren't provided by a cafeteria, or when employees work into the evening. "They violated a 'follow this rule or you will be terminated' policy, and they were terminated. Another Meta employee referenced Mark Zuckerberg's "year of efficiency" strategy in assessing the recent firings.

Persons: —, Grubgate, Read, Mark Zuckerberg's Organizations: Service, Meta, Business, Grubgate, Reality Labs Locations: Meta

Meta terminated some employees who abused a Grubhub perk, a source confirmed to BI. AdvertisementMeta recently fired some employees for misusing a Grubhub meal perk, according to a person familiar with the situation. Roughly two dozen employees were terminated for abusing the company's meal credit system, this person said. This episode has been discussed at length in recent days by some Meta employees on Blind, an online workforce forum. Business Insider reviewed these Blind discussions, including screenshots of some discussions that took place in a section of the app only accessible to Meta employees.

Persons: Meta, — Organizations: BI, Service, Meta, FT, Business, Reality Labs Locations: Los Angeles

☆ Google Shopping just got an AI makeover
▼ + stars: | 2024-10-15 | by ( Ana Altchek | ) www.businessinsider.com time to read: +4 min

Google Shopping has added a number of new features in recent years. Google Shopping now has AI Overviews-like briefing to provide more context to users on what they're looking to buy. The shopping feed considers inputs from Google surfaces including your shopping activity on Chrome, Search, YouTube and Discover, a Google spokesperson told Business Insider. "We can show you the best of what Gemini and the Google shopping graph have a recommendation for you." Google previously introduced a virtual try-on feature to Google Shopping and recently extended the tool to dresses.

Persons: —, Lilian Rincon, Rincon Organizations: Google, Service, YouTube, Google Google Locations: Seattle, Pinterest

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