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His chicken finger restaurant chain Raising Cane's brought in $3.7 billion in net sales last year, contributing significantly to his estimated net worth of $9.5 billion. With cash flowing again, Graves made his payments and avoided selling any company equity, he says. Graves: I remember watching on television from our location on Lee Drive [in Baton Rouge, Louisiana] when the levees broke. At first, my American dream was: You can go out and start your own business, and you can make the business work, and that's a success. Bring people into a great place to work that's a great place to grow.

Persons: Todd Graves, Cane's, Graves, they're, you'd Organizations: CNBC, LSU, Forbes, Hurricane, Tyson Foods Locations: Louisiana, Orleans, New Orleans, Baton Rouge , Louisiana

☆ How to charge your new electric car at home — and how much you might pay
▼ + stars: | 2024-10-30 | by ( Benjamin Zhang | Tim Levin | ) www.businessinsider.com time to read: +6 min

To get the most out of your electric car, you'll want to charge it at home, and likely overnight. This article is part of "Getting Ready for Electric," a series of guides and practical advice for buying your next EV. Going electric introduces a whole new element of car ownership: charging. "Home charging is what makes it easy and efficient to own an EV," Newman said. When it comes to choosing a charger, Sapp says it's a "safe bet" to go with a model recommended by your car's manufacturer.

Persons: —, Jenni Newman, Newman, Ken Sapp, Sapp, Cars.com, it's Organizations: Service, EV Locations: Qmerit

☆ 4 stretches and exercises this physical therapist does every single day to feel their best
▼ + stars: | 2024-10-30 | by ( Renée Onque | ) www.cnbc.com time to read: +1 min

To feel good in your body, it's important to engage in regular physical activity and to stretch often. Darcie Pervier, a physical therapist and women's health coach, stretches and exercises every day, and CNBC Make It asked her to share the movements that she does to feel her best. 4 stretches and exercises this physical therapist does every day1. Child's pose Pervier's daily routine also includes child's pose with side reaches to get "deep hip flexion." To do child's pose, you start by kneeling then reaching forward as you bring your head to the ground.

Persons: Darcie, Pervier, Luis Alvarez Organizations: CNBC, Digitalvision, Getty

☆ This sales tactic can help you negotiate a job offer you love—even CEOs use it
▼ + stars: | 2024-10-29 | by ( Jennifer Liu | ) www.cnbc.com time to read: +3 min

That's when it helps to look to how seasoned executives negotiate, says Tessa White, a career coach with 20 years of HR experience and founder of The Job Doctor. Say you ultimately want a $60,000 base salary with a 20% annual bonus, but the company makes an offer of $60,000 with a 10% bonus. Remember that "the hardest thing for the company to do is give you money upfront in base pay," White says. But they may be able to negotiate for one-time pay, something that's a delayed cost, or non-salary perks like adjusting your job title or figuring out a flexible-work agreement. Plus, sign up for CNBC Make It's newsletter to get tips and tricks for success at work, with money and in life.

Persons: Tessa White, White Organizations: CNBC

☆ Five Apple Intelligence features that you can try out now on your iPhone
▼ + stars: | 2024-10-29 | by ( Jordan Hart | ) www.businessinsider.com time to read: +5 min

Apple released AI features for the iPhone 15 Pro and later models with Monday's iOS 18.1 update. AdvertisementThe first Apple Intelligence features are out now. Jordan Hart/BIThe "writing tools" feature has been one of the more visible Apple Intelligence features since it was first announced in June. Jordan Hart/BIWith Apple Intelligence enabled on the Messages app, iPhone owners can get texts summarized in the notification center. Apple, in a disclaimer on its website, said Apple Intelligence "outputs may vary."

Persons: —, that's, Max, Jordan Hart, Hey, Desmond Organizations: Apple, Apple Intelligence, Service, Worldwide, Conference, Bloomberg, Kansas City Chiefs, Chiefs, Raiders

☆ I had no idea I was going through perimenopause at 39. It felt like a second puberty.
▼ + stars: | 2024-10-29 | by ( Shalwah Evans | ) www.businessinsider.com time to read: +5 min

I felt like no one was talking to me about what perimenopause symptoms were like. It felt like I was going through puberty all over again — but how could that be in my late 30s? Little did I know second puberty is not an official term but one used regularly when talking about perimenopause. But I know that talking about perimenopause can be helpful to other women who are feeling the same way. Going forward, I'll allow my feelings and show grace to myself and other women entering second puberty with no clue what they're in store for.

Persons: —, I've, I'd, Brandye Manigat, Manigat, perimenopause Organizations: Service Locations: barre

☆ This is the No. 1 kind of person we need in our lives to 'feel our best'—and it's not promoters who 'sing our praises'
▼ + stars: | 2024-10-28 | by ( Ximena Vengoechea | In Ximenavengoechea | ) www.cnbc.com time to read: +6 min

To truly live a purposeful and meaningful life, we might need to make some adjustments to our network of friends and colleagues. I'm also not talking strictly about promoters who will sing our praises when we've reached a high point; they're wonderful, but we need other help along the way. We need the cheerleaders, advisors, and collaborators who are right there with us in the trenches of making or trying something new. 'They can be equal parts role model, mentor, therapist, coach, and co-conspirator'Gems are those people in our lives who help us feel our best. And they don't necessarily need business degrees or a high net worth to be valuable partners in life.

Persons: I'm, we've, we're, —, Mark, what's, Ximena Organizations: Inc, Washington Post, Newsweek, Forbes, Fast Company Locations: Ximena

Learn moreThe Eras Tour plays its final announced USA tour dates this weekend as Taylor Swift heads to Indianapolis, Indiana. If you're hoping to learn how to buy Taylor Swift Indianapolis tickets, you've come to the right place. The Eras Tour, which first kicked off in Arizona in March 2023, resumed for its final leg earlier in October. Eras Tour Indianapolis scheduleThe Eras tour will be held in Indianapolis from Friday, November 1 to Sunday, November 3. How to buy Taylor Swift Indianapolis ticketsOriginal standard tickets to Taylor Swift's Eras Tour were sold on Ticketmaster, but tickets sold out long ago.

Persons: Taylor Swift, we've, Swift, she'll, Taylor Organizations: Business, Taylor Swift Indianapolis, Lucas Oil, Indianapolis, Vivid, Ticketmaster, Swift's New Locations: Indianapolis , Indiana, Arizona, America, Miami, New Orleans, Indianapolis, United States, Canada, Swift's New Orleans

☆ Gen Z, here's how to craft the best retirement plan starting now: 4 financial experts share their best tips and tricks
▼ + stars: | 2024-10-26 | by ( Christine Ji | ) www.businessinsider.com time to read: +8 min

For Gen Z, retirement is 40 or 50 years away, but now is the perfect time to start saving. Four financial experts shared their top strategies to kick-start retirement savings. Or, it may seem difficult and anxiety-inducing, especially as Gen Z juggles student loan debt, high costs of living, and a tough job market. AdvertisementBusiness Insider asked four wealth advisors for their best tips and tricks on how Gen Z can maximize their retirement savings, starting now. Basic budgeting strategies, such as keeping housing costs at 30% or lower of your total paycheck, can also create a strong foundation for retirement savings, Crowell said.

Persons: —, Zers, Z, Gen Z, there's, Andrew Crowell, Davidson, Crowell, Zer, Gen Zers, Ayako Yoshioka, Yoshioka, Roth, haven't, Ashley Weeks, Weeks, Alanna Morey, Morey Organizations: Service, Social Security, Bank of America, D.A, Roth IRA, Equity, Bank

☆ A notorious market bear who called the 2000 and 2008 crashes shares 3 signs it's a terrible time to invest in the S&P 500 — and warns stocks are due to underperform Treasurys by 10% over the next 12 y
▼ + stars: | 2024-10-26 | by ( William Edwards | ) www.businessinsider.com time to read: +5 min

John Hussman warns of poor S&P 500 returns over the next 12 years. Current expectations have the S&P 500 underperforming Treasurys by 9.9% annually over the next 12 years. But valuations are causing skepticism about future market returns among others on Wall Street, even if not to the same degree. Related storiesEarlier this week, Goldman Sachs forecast that the S&P 500 would average 3% annual returns over the next decade. His Strategic Growth Fund is down about 55% since December 2010 and has fallen 16% in the past 12 months.

Persons: John Hussman, —, you'll, you'd, Hussman, Hussman's, it's, Goldman Sachs, It's Organizations: Treasurys, Service, Hussman Investment Trust

☆ If you invested $10,000 in Apple, Nvidia, or these 8 other stocks in 1999, you'd have over $1 million now
▼ + stars: | 2024-10-25 | by ( Cheyenne Devon | ) www.cnbc.com time to read: +1 min

Outside of technology giants like Nvidia and Apple, you may not have heard of many of the top 10 publicly traded companies that delivered the highest 25-year total return to their investors. A few years later, on October 22, 1999, its stock price had risen slightly to over $3. If you had invested $10,000 in the company at that time, your investment would be worth nearly $9 million as of October 22, per CNBC's calculations. Nvidia has experienced meteoric growth in the value of its stock over the past quarter century as well. A $10,000 investment in Nvidia made 25 years ago would be worth a little over $32 million now.

Organizations: Nvidia, Apple, Corporation, CNBC

Learn moreNow that the regular season and Wild Card matches are out of the way, the MLS Playoffs officially begin. We've compiled everything you need to know about how to watch the MLS Playoffs, including free live streaming info for tonight's Inter Miami vs. Atlanta United match. How to watch MLS Playoffs in the USThe MLS Playoffs, including tonight's Inter Miami vs. Atlanta United match, will be available through MLS Season Pass, which currently costs $9.99. Apple TV Plus MLS Season Pass The MLS pass is now just a single $9.99 cost for the rest of the season and the playoffs. How to watch MLS Playoffs from anywhereTraveling away from home and still hoping to keep up with the Playoffs?

Persons: LAFC, ExpressVPN Organizations: Business, MLS, tonight's Inter Miami, Atlanta United, Vancouver Whitecaps, Card, Inter Miami, Conference, Apple, Apple TV, ExpressVPN MLS, Galaxy, Colorado, Orlando City SC, Charlotte FC, FC Cincinnati, New, New York City FC, Seattle Sounders FC, Houston Dynamo FC, Columbus Crew, New York Red Bulls, Minnesota United FC Locations: Vancouver, Atlanta, Canada, Colorado Rapids, New York

☆ Millennials Big Money Mistake: Holding Cash Instead of Buying Stocks
▼ + stars: | 2024-10-24 | by ( Callie Cox | ) www.businessinsider.com time to read: +10 min

This, despite the fact that younger investors were more optimistic about the economy, their incomes, their living situations, and their investments. Millennial investors have been deeply scarred by two life-changing crises in their young lives. But if you look at hard numbers from the Federal Reserve about what millennial investors actually own, you can see that this stereotype is misguided. When you compare millennials' cash levels with Gen X's cash levels at the same age, though, the risk aversion becomes clear. But when it comes to younger investors, I think the scars run deeper than worries about a coming downturn.

Persons: Cash, it's, millennials, Gen Xers, boomers, There's, would've, you'd Organizations: Bank of, Federal Reserve, University of Michigan, Occupy, Dow, Netflix Locations: eToro, United States, YOLO

☆ World Series ticket prices are the second-highest ever—a Yankees home game could run you nearly $5,000
▼ + stars: | 2024-10-24 | by ( Mike Winters | ) www.cnbc.com time to read: +1 min

Tickets for the 2024 World Series between the New York Yankees and Los Angeles Dodgers — two iconic franchises with deep histories and star-studded lineups — come with the kind of premium price tags you'd expect from teams in the biggest U.S. markets. The average price for a World Series ticket in the secondary market is $3,887, according to ticket reseller TicketIQ. The teams — which sport two of the three highest payrolls in the league — are meeting in the World Series for the first time since 1981, marking their 12th championship series matchup. Average prices for home games in New York and Los Angeles are $4,875 and $3,146, respectively — the second- and third-highest average home game prices since 2010. The lowest price available for the series on TicketIQ is $1,156 for Game 2 in Los Angeles.

Persons: Shohei Ohtani, Aaron Judge, — Organizations: New York Yankees, Los Angeles Dodgers, Dodgers, Yankees, All Locations: New York, Los Angeles

☆ Anna Kendrick says she had to pitch herself twice to direct Netflix hit 'Woman of the Hour' because she wasn't confident enough the first time
▼ + stars: | 2024-10-24 | by ( Ayomikun Adekaiyero | ) www.businessinsider.com time to read: +4 min

Anna Kendrick made her directorial debut with Netflix's new true crime movie, "Woman of the Hour." She told "The Late Show" that she was "beyond terrified" when she first pitched to direct the film. "Woman of the Hour" is Netflix's latest true crime thriller. The producers wanted someone with experience as they planned to start shooting soon, but Kendrick told Colbert she had other ideas. "It was a fascinating example of just how phony Hollywood is because then I did it again the next day," Kendrick continued.

Persons: Anna Kendrick, —, Anna Kendrick's, Stephen Colbert, Jeffrey Dahmer, Anna, Kendrick, Colbert, We're, Chris Pine, Dev Patel, Jerry Seinfeld, Michael B, Jordan, let's, Leah Gallo, Netflix Kendrick, Let's, Michelle Obama, Tom Hanks, Valerie Young, Young Organizations: Service, Netflix

We've tested several for our guide to the best espresso machines, and the Jura Z10 ranks as the best super-automatic espresso machine. The Jura Z10 stands alone in the sea of sub-par automatic espresso machines on the market — though not without a few shortcomings of its own. Read on for our thoughts on the Jura Z10 espresso machine. Owen Burke/Business InsiderIn the end, no fully automatic espresso machine we've tried competes with a quality semi-automatic machine and a perfectly dialed burr grinder. But if convenience is your primary concern and you have the budget for it, the Jura Z10 is the best automatic espresso machine on the market.

Persons: We've, Owen Burke, sudsy microfoam, Lily Alig, Alig, it's, Dylan Ettinger, burr Organizations: Business, Jura Z10, Z10, Amazon, Williams, Espresso Locations: Switzerland, Jura, Siri

☆ Popular Restaurants Can Get Killed by a Michelin Star, Food Awards
▼ + stars: | 2024-10-23 | by ( Emily Stewart | ) www.businessinsider.com time to read: +9 min

He then looked at the diverging fortunes of those restaurants that went on to receive a Michelin star — a signifier of excellence in the industry. By 2019, Sands found that restaurants given a Michelin star were more likely to shutter. The publicity created around an award such as a Michelin star drives interest. But he pointed out that even if they ultimately failed, the Michelin restaurants that closed in Sands' research generally had a pretty good run. In many ways, "what to do about growth" is a classic question in any business, including restaurants and hospitality.

Persons: Daniel Sands, Sands, Darren Tristano, Joe Carroll, Anselm, haven't, Carroll doesn't, Danny Meyer, Ryan Sutton, It's, John Gordon, Carroll, Semilla, Emily Stewart Organizations: University College London's School of Management, Michelin, The New York Times, New York Times, New, Square, LO Times, Business Locations: York, New York, Brooklyn, Sands, San Diego, , New York, Philadelphia, Manhattan

☆ Market-making giant Citadel Securities is rebuilding the tech that powers its trades as it eyes growth
▼ + stars: | 2024-10-22 | by ( Bianca Chan | ) www.businessinsider.com time to read: +7 min

Ken Griffin's market maker, Citadel Securities, is revamping its core trading infrastructure. AdvertisementIn 2023, Citadel Securities COO of technology, Jeff Maurone, was meeting with senior leaders to discuss technology priorities for the year. I almost look at it as the stretching of business," Woods told Business Insider. Building Citadel Securities' trading infrastructure of the futureIn the last few years, Citadel Securities pushed into credit trading, expanded its rates franchise, and introduced an institutional options offering. Maurone's team supports Citadel Securities' technology organization, and he manages a team of 15 people.

Persons: Ken Griffin's, Josh Woods, Jeff Maurone, —, Maurone, Woods, Matt Culek, Peng Zhao, Jim Esposito Organizations: Citadel Securities, Service, Securities, McKinsey, Deloitte, COOs, Citadel Securities Each Locations: Asia Pacific, EMEA, COOs —, New York, Jeff's

☆ Robinhood rolls out high-risk margin trading in the UK after getting regulator nod
▼ + stars: | 2024-10-21 | by ( Ryan Browne | ) www.cnbc.com time to read: +4 min

The launch of margin trading follows the recent approval of the product, after Robinhood held conversations with Britain's financial regulator, the Financial Conduct Authority (FCA). Margin trading is a rarity in the U.K., where regulators see it as more controversial because of the risks involved to users. Some platforms in the country limit margin trading for only high-net-worth individuals or businesses. In the case of margin trading, investors can use borrowed money to increase the size of their trades. At the time of launch, Robinhood was unable to offer U.K. users the option of margin trading, pending discussions with the FCA.

Persons: Rafael Henrique, Robinhood, Jordan Sinclair, Goldman Sachs, Morgan Stanley, Sinclair, we've, Robinhood's Sinclair, that's Organizations: Getty, Financial, Authority, Interactive, IG, CMC Markets, Robinhood, JPMorgan Chase, UBS, CNBC, FCA, U.S ., Federal Deposit Insurance Corporation Locations: U.S, Britain, Tesla

☆ Fortune 500 CEO 'always' asks her employees this question—Harvard expert says it's great leadership: 'Well done'
▼ + stars: | 2024-10-21 | by ( Morgan Smith | ) www.cnbc.com time to read: +1 min

TIAA CEO Thasunda Brown Duckett has four words of advice for anyone looking to be a better boss: Talk less, listen more. Each month Duckett, 51, hosts "jam sessions" with small groups of employees so they can share their ideas, concerns and perspectives with her directly. It can be hard to encourage people to speak candidly in front of the CEO, but Duckett says she has a go-to question she "always" asks employees to get them talking. By asking that one question, you "immediately connect" with your employees, Duckett said. Making "Coffee and T" a recurring meeting on her calendar has helped Duckett create a culture where employees feel "heard without judgment," she wrote on LinkedIn.

Persons: Thasunda Brown Duckett, Duckett, it's Organizations: LinkedIn, Research, Wharton School, University of Pennsylvania Locations: TIAA

☆ You need over $100,000 a year to retire comfortably in 3 U.S. states—none are New York
▼ + stars: | 2024-10-19 | by ( Mike Winters | ) www.cnbc.com time to read: +1 min

In three U.S. states, you'd need to spend six figures a year to live comfortably in retirement — far more than in most others, according to a recent GOBankingRates analysis. In contrast, retirees in West Virginia need just $58,190 a year — the lowest of any state. Over a 30-year retirement, the difference in savings needed between Hawaii and West Virginia would be over $1.25 million. A 20% cash buffer was added to this total to ensure retirees could live "comfortably," according to the study. Here's a breakdown of the three states where living comfortably will cost more than six figures, per GOBankingRates' calculations:

Organizations: of Labor Statistics Locations: Hawaii , California, Massachusetts, Hawaii, West Virginia

A high-yield savings account provides more rewards than a typical savings account, with no risk. I missed out on $1,200 in the five years before I opened a high-yield savings account. That's the feeling I get every time I check the balance of my high-yield savings account. Compare Today's RatesWhy I chose a high-yield savings accountI've had a savings account since college, but I didn't always have a high-yield account. How I chose my high-yield savings accountNowadays, there are lots of high-yield savings accounts on the market, many with no minimum requirements and no fees.

Persons: you'd, I've, I'd, Ally Organizations: Ally Bank, Federal Reserve Locations: it's, Ireland

☆ Anna Kendrick on Her Movie Roles: 'Twilight,' 'Pitch Perfect,' 'a Simple Favor'
▼ + stars: | 2024-10-18 | by ( Olivia Singh | ) www.businessinsider.com time to read: +13 min

It's the exact kind of self-deprecating candor Kendrick is known for, with her scene-stealing turns in movies like the "Twilight" series and the "Pitch Perfect" films. On being a 'bystander' to the 'Twilight' pop culture phenomenonAnna Kendrick as Jessica Stanley in "The Twilight Saga: Breaking Dawn — Part 1." Summit EntertainmentIt's been 16 years since the first "Twilight" movie came out. On the 'Simple Favor' sequel having even more plot twists than the first filmAnna Kendrick as Stephanie Smothers in "A Simple Favor." AdvertisementBut yeah, that Shondaland, they're really excellent at keeping you absolutely hooked in because even if something terrible happens, it's like, I can't look away.

Persons: Anna Kendrick, Kendrick, candor Kendrick, Paul, Alice, Darling, Sheryl, they're, Rodney Alcala, Alcala, Cheryl Bradshaw, she's, Jessica Stanley, —, It's, George Clooney's, Rebel Wilson, Amy, Universal Pictures George Clooney, George, Anna Camp, Elizabeth Banks, They're, that's, Meryl Streep, Chris Pine, Meryl, Clooney, Stephanie Smothers, I'd, John Schwartzman, I'm, Claudia Jessie, Eloise Bridgerton, Liam Daniel, John Krasinski, John, Goddammit Krasinski Organizations: Air, Universal Pictures, Lionsgate, Netflix Locations: Hollywood, I'm

☆ Millennials on track to retire early are maxing out HSAs to supplement their savings. Here's who is eligible for this account and how to use it to grow your money.
▼ + stars: | 2024-10-17 | by ( Kathleen Elkins | ) www.businessinsider.com time to read: +6 min

HSAs require enrollment in a high-deductible health plan, suitable for healthy individuals. After 65, you can use your HSA money to cover any expense without incurring a penalty, but the funds are subject to income tax. You'll have to move your money from your HSA to your HSA investment account. Brent Weiss, a certified financial planner, told BI that he invests his HSA money in a target-date fund: "I'm not getting fancy. Not touching your HSA funds means covering your medical expenses out of pocket, which is what Grant and the Schlagbaums do.

Persons: —, Amberly Grant, Grant, she's maxed, Brennan, Erin Schlagbaum, HSAs, it's, it'll, Brent Weiss, I'm, you've Organizations: Service, IRA, IRS

☆ Don’t apply for a job just to use it as leverage: ‘It is a bridge burner’
▼ + stars: | 2024-10-17 | by ( Gili Malinsky | ) www.cnbc.com time to read: +2 min

Whatever the reason, it might occur to you to try to get a new job opportunity just to leverage it for something better. "For me, the short answer is no," says Amanda Augustine, career expert at TopResume. If you're interested in a job, you apply and get the offer, that's a different situation. In the same way you'd be wasting your time, you'd also be wasting your prospective employer's. "If you're going to put [the job offer] out there," says Augustine, "oftentimes employers will see that as an ultimatum and they will say sayonara."

Persons: you've, haven't, isn't, Amanda Augustine, I'm, Stacie Haller, Augustine, you'd, Haller, DON'T

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