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Persons: —, you've, It's, Couples, YNAB, Zeta, you'll Organizations: Intuit, Mint, Karma, Service, Apple, Google, PocketGuard, Quicken Start, Quicken, Zeta Locations: Zeta

If you can't pay off your credit card balance, consider a debit card while you pay down that debt. If you're more prone to impulsively swiping your credit card online or in person, stick to using your debit card. If you already have credit card debt, don't add to it by continuing to use the credit card. You can also consider a prepaid debit card, which is similar to a regular debit card but isn't connected to a checking account. Fees no monthly service fee Annual Percentage Yield (APY) None Minimum Deposit Amount $0 Pros Check mark icon A check mark.

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

☆ Bonds or stocks? Wall Street shares its preference — and how to invest
▼ + stars: | 2023-11-03 | by ( Weizhen Tan | ) www.cnbc.com time to read: +5 min

UBS Both stocks and bonds retreated in October in the wake of war in the Middle East and concerns about rates, UBS said. Wells Fargo Investment Institute In an Oct. 30 note, Wells Fargo said it expects a recession and the average stock will likely continue to struggle. How to invest UBS favors the higher-quality segments of fixed income, preferring high-grade government and investment-grade bonds. Overall, Wells Fargo said, it's most favorable on U.S. long-term taxable fixed income, and its short-term counterpart, and favorable on U.S. taxable investment-grade fixed income. It's least favorable on U.S. intermediate-term taxable fixed income and high yield taxable fixed income.

Persons: Stocks, Jerome Powell, it's, inching, Scott Wren, Wells Fargo, Wells Fargo's Wren, Schroders Bond, Schroders, Neil Sutherland, Sutherland, — CNBC's Michael Bloom Organizations: U.S, U.S . Federal, Treasury, Wells, Wells Fargo Investment Institute, UBS Locations: U.S ., Wells Fargo, U.S

Chris DongCapital One's third airport lounge is a 10,800 square-foot "glass fishbowl" in Denver International Airport (DEN). Capital One Venture X Rewards Credit Card and Capital One Venture X Business Card† credit cardholders get unlimited complimentary access and can bring up to two guests for free. Capital One Venture Rewards Credit Card and Capital One Spark Miles for Business† cardholders get two complimentary passes per year. Capital One Venture X Rewards Credit Card and Capital One Venture X Business Card† cardholders enjoy unlimited complimentary access to all Capital One Lounges. The parents' room in Capital One's Denver airport lounge offers a quiet space for rest, diaper changes, and feedings.

Persons: Chris Dong, cardholders, Business † cardholders, —, chai, chia Organizations: Business, Venture, Denver International Airport, Chris Dong Capital, Denver International, Service, Dulles, Fort, International, Capital, One, Premier, Rockies, Colombe, Fenway, Cervecería, Yacht Club, Sunrise, Denver Travelers, Chase Locations: Denver, High City, Washington, Dallas, Fort Worth, DFW, One's, Concourse A, Colorado, Downtown Denver, Cervecería Colorado, Capital One's Denver

☆ Ukraine's Zelenskiy ponders idea of 2024 election during war
▼ + stars: | 2023-11-03 | by ( Yuliia Dysa | ) www.reuters.com time to read: +2 min

KYIV, Nov 3 (Reuters) - Ukraine's President Volodymyr Zelenskiy is weighing the pros and cons of a spring 2024 presidential vote, his foreign minister said on Friday, though there are major concerns over how to organise a free and fair vote during war with Russia. Ukraine was scheduled to hold a parliamentary election in October and a presidential vote in March 2024. Kuleba made his comment during an online appearance at the World Policy Conference in the United Arab Emirates when asked whether Ukraine would hold a presidential election in spring. Zelenskiy has said he wants to run for another term if an election happens. Opponents of holding a vote fear Russia would try to derail it while political jockeying would undermine national unity.

Persons: Volodymyr Zelenskiy, Lindsey Graham, Dmytro Kuleba, Kuleba, Zelenskiy, Yuliia Dysa, Olena, Tom Balmforth, Andrew Cawthorne Organizations: Republican, World, Conference, United, Thomson Locations: Russia, Ukraine, U.S, United Arab Emirates, Europe

Average 30-year mortgage rates were 7.76% this week, a three-point decrease from the previous week, according to Freddie Mac. Borrowers wondering where mortgage rates will go next should keep an eye on the latest economic data. 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: Freddie Mac, Jerome Powell, Fannie Mae Organizations: Zillow, Federal Reserve, Mortgage, Association, Sky, ARM Locations: Chevron

☆ Apple issues cautious revenue outlook for the holiday quarter. How to play the stock
▼ + stars: | 2023-11-03 | by ( Christina Falso | ) www.cnbc.com time to read: 1 min

Market Movers rounded up the latest reactions to Apple from investors and analysts. The pros, including Jim Cramer , discussed the iPhone maker. A day earlier, Apple released fiscal fourth-quarter results that beat on both earnings and revenue. The company also issued a weak revenue outlook for the December quarter, which historically is Apple's most important quarter. Apple closed the trading session down 0.5% and is held in Cramer's Charitable Trust portfolio.

Persons: Jim Cramer Organizations: Apple, Trust

☆ Are you financially illiterate? Suze Orman says 'probably 95%' of Americans are
▼ + stars: | 2023-11-03 | by ( Ryan Ermey | ) www.cnbc.com time to read: +5 min

When asked by Wallace what percentage of Americans she thought were financially illiterate, she said, "Truthfully, probably 95%." So-called "traditional" accounts, including 401(k)s and individual retirement accounts, give you a tax break up front. Because you fund these accounts with money you've already paid taxes on, your contributions don't count against your taxable income. Contributions to these accounts are made with after-tax money, but investments in them grow free from federal or state tax. You can contribute to any state's plan — and each plan comes with different investing options — but you'll generally only receive tax benefits, if they're offered, by investing in your home state's plan.

Persons: Suze Orman doesn't, Suze, Orman, Chris Wallace, Max, Orman —, Wallace, here's, Roth, you've, Sheryl Garrett, Powers, they're Organizations: Garrett Planning Network, CNBC, Internal Revenue

☆ CNBC Daily Open: Apple drops on a sunny day
▼ + stars: | 2023-11-03 | by ( Yeo Boon Ping | ) www.cnbc.com time to read: +2 min

CNBC Daily Open brings investors up to speed on everything they need to know, no matter where they are. Exuberant stocksU.S. stocks enjoyed a broad rally Thursday, with all 11 S&P 500 sectors ending the day in positive territory. Bond yields declined. With bond yields hitting their highest in 16 years recently, it's clear the bond market has been experiencing a sell-off. (When bond yields go up, prices go down.)

Persons: Sam Bankman, Fried, Apple's, Elon, Musk Organizations: CNBC, Apple, CNBC Pro Locations: Asia, Pacific

☆ Low Ceilings Got You Down? Steal These Height-Boosting Tricks From Design Pros
▼ + stars: | 2023-11-02 | by ( Antonia Van Der Meer | ) www.wsj.com time to read: 1 min

RAISE YOUR GAME An all-white plan enlarges and brightens designer Ghislaine Viñas’ confining living room in her Bucks County, Pa., home. Photo: Jason VarneyIn the series How to Live With a Room You Hate, we ask design pros to solve everyday interior problems. THOUGH THEY CAN MAKE a nap-inducing bunk room or cottagecore Hobbit house feel more snug, low ceilings tend to be a real design downer otherwise. “They feel quite oppressive and limiting,” bemoaned Nicole Salvesen of the London firm Salvesen Graham. Not to mention a surefire way to thwart that coveted “light and airy look,” added New York City designer Ghislaine Viñas.

Persons: Ghislaine, Jason Varney, downer, ” bemoaned Nicole Salvesen, Salvesen Graham, ”, Ghislaine Viñas Locations: Bucks County, Pa, London, New York City

☆ Wall Street can breathe easy. ChatGPT isn't smart enough to be a financial analyst yet.
▼ + stars: | 2023-11-02 | by ( Aruni Soni | ) www.businessinsider.com time to read: +4 min

ChatGPT wouldn't be able to pass all levels of the exam required to get become a CFA. GPT-4 did better than ChatGPT and could pass the first two levels of the exam with enough prompting. According to a study, ChatGPT couldn't pass the chartered financial analyst exam—a benchmark qualification for many finance professionals across Wall Street. According to the CFA institute, only 38% of test-takers who took the level one exam in February 2023 passed. "GPT-4 would have a decent chance of passing the CFA Level I and Level II if prompted with [few shot] and/or [chain of thought scenarios]," the researchers wrote.

Persons: wouldn't, ChatGPT, —, couldn't, OpenAI —, it's Organizations: CFA, JPMorgan, Service, Wall

☆ An investment research veteran with 20 years of experience names 10 top contrarian stock picks that could see higher earnings ahead despite lower analyst expectations
▼ + stars: | 2023-11-02 | by ( Mark Reeth | ) www.businessinsider.com time to read: +3 min

As earnings season grinds on, Wall Street has been pleasantly surprised by the results. Sometimes the pros might be bearish on a stock, while simultaneously raising their earnings expectations for that very same company. Taking advantage of the difference between what Wall Street says will happen and where they expect earnings to go can prove a profitable trading strategy. Just ask Sam Burns, founder and chief strategist of Mill Street Research, an independent investment research firm geared towards institutional investors. Burns will then take those stocks and run them through his proprietary Monitor of Analysts' Earnings Revisions model.

Persons: Julian Emanuel, you'd, Sam Burns, Burns Organizations: Evercore ISI, Mill, Research, Wall, Analysts

☆ 60% of Americans feel behind on emergency savings—a 'sunny day' fund can help, says CFP
▼ + stars: | 2023-11-02 | by ( Ryan Ermey | ) www.cnbc.com time to read: +3 min

More than 4 in 5 say they did not increase emergency savings this year, according to a recent survey from Bankrate, and 60% say they feel behind when it comes to saving for a rainy day. That's why, in addition to your traditional emergency fund, some financial pros recommend building a so-called sunny day fund of money you can spend guilt-free or put toward exciting opportunities. What's more, consider the sorts of expenses your emergency fund could potentially cover to give yourself some piece of mind. "Another would be cash to cover living expenses during the disability waiting period, or elimination period." How a 'sunny day' fund can help you reach your goals

Persons: Spenser Liszt, Andy Baxley, Liszt Organizations: Motif, Planning Locations: Bankrate

☆ Starbucks quarterly earnings beat was fueled by higher prices. Here’s how to play the stock
▼ + stars: | 2023-11-02 | by ( Christina Falso | ) www.cnbc.com time to read: 1 min

Market Movers rounded up the latest reactions to Starbucks from investors and analysts. The pros, including Jim Cramer , discussed the coffee giant after it released fiscal fourth-quarter results that exceeded expectations. U.S. and North American same-store sales jumped 8% as customers purchased costlier beverages. Starbucks closed the trading session up 9.5% and is held in Cramer's Charitable Trust portfolio.

Persons: Jim Cramer Organizations: Trust

☆ AMD stock surges after issuing positive outlook for AI chips next year. Here's what the pros say
▼ + stars: | 2023-11-01 | by ( Christina Falso | ) www.cnbc.com time to read: 1 min

Share Share Article via Facebook Share Article via Twitter Share Article via LinkedIn Share Article via EmailAMD stock surges after issuing positive outlook for AI chips next year. Here's what the pros sayJim Cramer, Chris Caso of Wolfe Research, Vijay Rakesh of Mizuho Securities and Joe Terranova of Virtus Investment Partners discussed AMD after the company reported third-quarter results that beat expectations.

Persons: Jim Cramer, Chris Caso, Vijay Rakesh, Joe Terranova Organizations: AMD, Wolfe Research, Mizuho Securities, Virtus Investment Partners

☆ AMD surges after issuing positive outlook for AI chips next year. Here's what the pros say
▼ + stars: | 2023-11-01 | by ( Christina Falso | ) www.cnbc.com time to read: 1 min

Market Movers rounded up the latest reactions to Advanced Micro Devices from investors and analysts. The pros, including Jim Cramer , discussed the chipmaker after it reported third-quarter results that beat on both earnings and revenue. After market close Tuesday, AMD reported adjusted earnings of 70 cents per share on revenue of $5.8 billion. Analysts anticipated earnings of 68 cents per share and revenue of $5.7 billion, according to LSEG, formerly known as Refinitiv. AMD CEO Lisa Su said the company expects data center graphics processing units revenue of about $400 million in the fourth quarter , and it anticipates topping $2 billion in 2024.

Persons: Jim Cramer, Lisa Su Organizations: Devices, AMD

When surveyed by the department, 45% of Ohio’s financial advisers said they were aware of a client of theirs, or a client’s family member, that was struggling with addiction. In the program, financial advisers are taught to look for certain signs. Those seeking help can input their insurance status and treatment needs to be connected programs they can more easily afford or receive financial help with. Financial advisers have had to come up with ways to combat a multitude of financial crises, like increasing cybersecurity breaches or investment fraud targeting the elderly. Lori Eisel, a financial adviser and owner of Arcadia Financial Partners, knows both sides of the struggle.

Persons: — Joe Smith, that’s, Smith, Smith’s, Olivia, don’t, ”, Andrea Seidt, ” Seidt, Carl Hollister, L.M, Kohn, Hollister, Lori Eisel, ” Eisel, “, Joe Smith, ” Smith, He’s, __ Samantha Hendrickson Organizations: Society of Actuaries, state’s Department of Commerce, Ohio, Arcadia Financial Partners, Associated Press, America Statehouse News Initiative, America Locations: COLUMBUS , Ohio, Columbus , Ohio, Ohio, Cincinnati, stow

☆ The winning trading method pros use — where the Fed and the economy don't matter
▼ + stars: | 2023-11-01 | by ( Yun Li | ) www.cnbc.com time to read: +3 min

Merger Arbitrage hedge funds gained 4.4% in the third quarter, standing out as the best-performing strategy for the period, beating every category in event-driven, equity, macro and value funds, according to Hedge Fund Research . "The merger arbitrage strategy has historically thrived in a rising interest rate environment when an investor's fixed income portfolio may have suffered losses," said Michael Peck, co-chief investment officer at First Trust. As the proposed deal nears completion, the target's stock typically rises and the acquirer's shares fall. This short-term trading strategy often utilized by fast-money hedge funds typically involves multiple long and short positions, and might be too sophisticated for the average individual investor. The First Trust Merger Arbitrage ETF (MARB) and the IQ Merger Arbitrage ETF (MNA) are two popular ones that capitalize on the technique.

Persons: Bill Gross, Pimco, Michael Peck, Michael Kors, Jimmy Choo, there's, Gross, Broadcom's, Warren Buffett Organizations: Fund Research, First Trust, Gross, Activision Blizzard, Microsoft, Capri Holdings, Capri, VMware, Broadcom, Activision

☆ Bobby Knight, Basketball Coach Known for Trophies and Tantrums, Dies at 83
▼ + stars: | 2023-11-01 | by ( Bruce Weber | More About Bruce Weber | ) www.nytimes.com time to read: +2 min

He was a principled recruiter, and among his many demands on players was that they attend class. Players, friends and writers noted that he could be gracious, charming, charitable and playful. Or as much as any other coach knows. I’ve seen an official not watch for traveling. I’ve seen him watch the flight of the ball instead of the shooter’s hand afterward — whether or not he gets hit.

Persons: Todd Jadlow, Knight, Jadlow, “, ”, Mike Miday, “ I’m, Jason Collier, I’ve, Knight’s, Kent Benson, Quinn Buckner, Mike Woodson, Isiah Thomas Organizations: ESPN, Indiana . Sports, The Springfield News, Knicks, of Fame Locations: Indiana, Ohio

☆ Caterpillar falls after sharing Q4 revenue outlook. What the pros say to do next
▼ + stars: | 2023-10-31 | by ( Christina Falso | ) www.cnbc.com time to read: 1 min

Market Movers rounded up the latest reactions to Caterpillar from investors and analysts. The pros, including Jim Cramer , discussed the industrial giant after it reported third-quarter results that beat on the top and bottom lines. Caterpillar's stock dipped Tuesday though after management said fourth-quarter revenue would be "slightly" above this same quarter last year . Caterpillar closed the trading session down 6.7% and is currently held in Cramer's Charitable Trust portfolio.

Persons: Jim Cramer Organizations: Caterpillar, Trust

☆ Is Meta a buy after the brutal tech sell-off? Here's what the pros are saying
▼ + stars: | 2023-10-31 | by ( Amala Balakrishner | ) www.cnbc.com time to read: +4 min

Both Meta Platforms and Alphabet saw their shares caught up in a broad tech sell-off last week — but several analysts remain bullish. On Meta, concerns emerged last week following CFO Susan Li's comments on the advertising market in the fourth quarter. META YTD mountain Year-to-date share price movement in Meta Year-to-date, shares in Meta are up over 150% higher. Morgan Stanley views Meta as one of the companies best positioned to weather the volatility in the tech sector. We would be buying the pullback in Meta shares" in an Oct. 26 note.

Persons: Susan Li's, Dan Ives, CNBC's, He's, it's, Meta, Ives, Meta they're, pricings, Mark, Zuckerberg, Morgan Stanley, —, Jonathan Vanian, Michael Bloom Organizations: Facebook, Meta, Wedbush Securities, Labs, JPMorgan, Baird Equity Research Locations: Meta

☆ Apple just announced 3 new Mac computers with faster M3 processors — here's what you need to know and how to order
▼ + stars: | 2023-10-31 | by ( William Antonelli | John Lynch | Tech Reporter For Insider Reviews | ) www.businessinsider.com time to read: +4 min

Here's a rundown of everything you need to know about Apple's new M3 MacBook Pro and iMac models. AdvertisementAdvertisementComparing the new MacBook Pro modelsThe 14- and 16-inch MacBook Pro models received an upgrade to the M3 chipset. You can buy the 14-inch MacBook Pro with an M3, M3 Pro, or M3 Max; and you can buy the 16-inch MacBook Pro with an M3 Pro or M3 Max. The M3 Pro and M3 Max MacBook Pros are also available in a new color: Space Black. The 14-inch MacBook Pro model starts at $1,599, and the 16-inch MacBook Pro starts at $2,499.

Persons: you'll, Apple It's Organizations: Apple, Mac, Mac Pro, Apple Apple

☆ RIP Touch Bar: Apple is getting rid of MacBooks with the controversial touch screen at the top of keyboards
▼ + stars: | 2023-10-31 | by ( Sarah Jackson | ) www.businessinsider.com time to read: +2 min

Apple has given its controversial Touch Bar the ax. While some users liked the feature, others thought it useless or missed the tactile buttons it replaced. The company is discontinuing the 13-inch MacBook Pro, and with it, the love-it-or-hate-it Touch Bar. Some 13-inch MacBook Pros didn't have a Touch Bar, but either way Apple will no longer sell new 13-inch MacBook Pros. The Touch Bar has been a divisive feature since it was first introduced in 2016.

Persons: —, Siri, Greg Joswiak, Apple's Organizations: Apple, Service, Pro

☆ Caterpillar stock falls after lighter Q4 revenue outlook. What the pros say to do next
▼ + stars: | 2023-10-31 | by ( Christina Falso | ) www.cnbc.com time to read: 1 min

Share Share Article via Facebook Share Article via Twitter Share Article via LinkedIn Share Article via EmailCaterpillar stock falls after lighter Q4 revenue outlook. What the pros say to do nextJim Cramer, Kevin Simpson of Capital Wealth Planning and Stephanie Link of Hightower Advisors discussed Caterpillar after the company reported third-quarter results that beat expectations but forecasted 'slightly higher' revenue for the fourth quarter.

Persons: Jim Cramer, Kevin Simpson, Stephanie Link, Hightower Organizations: Caterpillar, Capital Wealth, Hightower Advisors

☆ McDonald's latest earnings results outperform estimates amid price hikes. What the pros say
▼ + stars: | 2023-10-30 | by ( Sean Conlon | ) www.cnbc.com time to read: 1 min

Share Share Article via Facebook Share Article via Twitter Share Article via LinkedIn Share Article via EmailMcDonald's latest earnings results outperform estimates amid price hikes. What the pros sayJim Cramer, Sara Senatore of Bank of America, Kathryn Kaminski of AlphaSimplex Group, and David Palmer of Evercore ISI discussed McDonald's after the company reported third-quarter earnings that beat on the top and bottom lines.

Persons: Jim Cramer, Sara Senatore, Kathryn Kaminski, David Palmer Organizations: Bank of America, AlphaSimplex, Evercore ISI

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