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

Market Movers rounded up the latest reactions to McDonald's from investors and analysts. The pros, including Jim Cramer , discussed the fast-food giant after it released its third-quarter results. The company reported adjusted earnings of $3.17 per share, while analysts polled by LSEG, formerly known as Refinitiv, called for $3 per share in earnings. With the help of strategic price increases , its U.S. same-store sales also increased 8.1%. Shares ended the day higher by 1.7%.

Persons: Jim Cramer Organizations: LSEG

☆ I'm a Google engineering exec who has conducted over 1,000 interviews. Here are the 4 mistakes I've seen even the best candidates make.
▼ + stars: | 2023-10-30 | by ( Daniel Rizea | ) www.businessinsider.com time to read: +11 min

Being tired and not preparing for behavioral questions are two mistakes Rizea sees often. AdvertisementAdvertisementThe only way to overcome this is to practice and recall the theory:Try to solve interview questions on your own, and talk out loud through the solution. I have seen many candidates scheduling interviews after a long day of work or at the end of the work week. But behavioral questions are more subjective, and it's harder to know if you said the right things during a behavioral interview. For behavioral questions, interviewers expect answers along this format:AdvertisementAdvertisementWhat happened?

Persons: Daniel Rizea, Rizea, —, I've, they'll, You'll, they're, Let's Organizations: Google, Service

☆ A Gen Xer moved to North Carolina to save money for retirement. Her beachfront home cost about half as much as her California property, but the weather doesn't compare.
▼ + stars: | 2023-10-29 | by ( Noah Sheidlower | ) www.businessinsider.com time to read: +6 min

Sandra, a Gen Xer, recently moved from the Los Angeles area to the beaches of North Carolina. While the weather isn't as ideal, North Carolina has been a pleasant surprise. AdvertisementAdvertisementSandra decided that instead of retirement by the beaches of Los Angeles, she'd instead enjoy life by the North Carolina shore. Even though she said insurance is a bit higher in North Carolina given the prevalence of hurricanes, her taxes have been cut by around half. AdvertisementAdvertisementThe more diverse politics of her area — since North Carolina is a purple state — was also a plus over deep red South Carolina, she said.

Persons: Sandra, —, she'd, she's, doesn't Organizations: Service, Navy, Hilton, Ventura, AAA, Survey Locations: Los Angeles, North Carolina, East Coast, California, Massachusetts, East, Raleigh, Charlotte, Charleston, South Carolina, Carolina

Average 30-year mortgage rates remain at their highest levels since 2000, but they could start falling soon as inflation decelerates. If you're thinking about buying soon but can't stomach current mortgage rates, you might have more luck closer to the end of 2024. 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. Sky high mortgage rates have pushed many hopeful buyers out of the market, slowing homebuying demand and putting downward pressure on home prices.

Persons: Fannie Mae Organizations: of Commerce, Zillow, Federal Reserve, Mortgage, Association, Sky, ARM Locations: Chevron

☆ Insider Today: Judging an AI career coach
▼ + stars: | 2023-10-28 | by ( Diamond Naga Siu | ) www.businessinsider.com time to read: +8 min

In case it doesn't work out, I tried using an AI assistant career coach — released as part of Meta's new series of AI assistants — to see what advice it'd give. The big storyAn AI career coachsorbetto/Getty ImagesInstead of AI taking away your job, what if it could help you find a new one? I messaged him on Instagram about different career advice and broke down what I liked and didn't like about "him." Instead of coming across as an expert, Leo felt like a conversational search engine with lukewarm search results. Instead of coming across as an expert, Leo felt like a conversational search engine with lukewarm search results.

Persons: —, Dixie D'Amelio, sorbetto, He's, Naomi Osaka, Snoop, Leo isn't, Leo, Google's Bard, chatbots, I've, Bing, Leo's, Al Capone, Chris Williams, they've, sriracha, Erin McDowell, Joseph Hendrickson Organizations: Service, Meta, Nissan, Nissan Nissan, Historic Landmark, Microsoft Locations: Alcatraz, Arizona

☆ Airbnb vs. Vrbo: Why I use both to rent out my home
▼ + stars: | 2023-10-28 | by ( Kimanzi Constable | ) www.businessinsider.com time to read: +5 min

Now I rent out other properties using Vrbo and Airbnb. AdvertisementAdvertisementI sold the Vrbo Fiji property because it was too much to maintain. AdvertisementAdvertisementI get more bookings on Airbnb, but the guests on Vrbo are betterI've noticed that the guests who book with us on Vrbo are a bit older, and they book for longer. My findings with being on Airbnb and Vrbo are that you get the most traction where you make the most bookings. I've personally never had a problem with Airbnb refunding guests without cause, though I've heard that Airbnb doesn't have a great reputation among owners.

Persons: Elizabeth Ellington, —, It's, Covid, I'm, I've, Airbnb, Jenna Gyimesi Organizations: Ellington, Service, Happy Locations: Fiji, North Carolina, Hendersonville , North Carolina, Hendersonville, jgyimesi@insider.com

☆ Amazon shares surge after 3Q earnings surpass expectations. Here's what the pros say
▼ + stars: | 2023-10-27 | 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 EmailAmazon shares surge after 3Q earnings surpass expectations. Here's what the pros sayJim Cramer, John Blackledge of Cowen and Daniel Flax of Neuberger Berman discussed Amazon after the company reported third-quarter earnings that beat on the top and bottom lines.

Persons: Jim Cramer, John Blackledge, Cowen, Daniel Flax, Neuberger Berman

A student loan is reported as an installment loan on your credit report and can affect your credit score. How to build credit with your student loanPracticing good student loan management can positively affect your credit score. Monitor your credit report — Regularly checking your credit report helps you spot inaccuracies and stay on top of your credit. Consolidate or refinance federal student loansYou can apply for student loan consolidation if you need help managing multiple federal student loans. How student loans affect credit scores frequently asked questionsHow much do student loans affect credit scores?

Persons: servicers, isn't, —, you've Organizations: Federal Locations: Federal

☆ Amazon shares surge after Q3 earnings surpass expectations. Here's what the pros say
▼ + stars: | 2023-10-27 | by ( Sean Conlon | ) www.cnbc.com time to read: 1 min

Market Movers rounded up the latest reactions to Amazon from investors and analysts. Jim Cramer dissected the tech giant's third-quarter results, which were issued late Thursday. Amazon took on cost-cutting measures in 2023, which included laying off thousands of employees. The company is also expecting fourth-quarter sales to be between $160 billion and $167 billion. Amazon closed the trading session up 6.8% and is currently held in Cramer's Charitable Trust portfolio.

Persons: Jim Cramer Organizations: Amazon, Trust

☆ Meta's latest earnings beat overshadowed by fourth quarter ad softness. Here's what the pros say
▼ + stars: | 2023-10-26 | 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 EmailMeta's latest earnings beat overshadowed by fourth quarter ad softness. Here's what the pros sayJim Cramer, Brad Erickson of RBC Capital Markets, Jason Helfstein of Oppenheimer & Co. discussed Meta after the company reported third-quarter results that beat expectations and revenue that increased at its fastest rate since 2021.

Persons: Jim Cramer, Brad Erickson, Jason Helfstein Organizations: RBC Capital Markets, Oppenheimer & Co

☆ Meta's latest earnings beat overshadowed by slowing 4Q ad sales outlook. What the pros say
▼ + stars: | 2023-10-26 | by ( Christina Falso | ) www.cnbc.com time to read: 1 min

Market Movers rounded up the latest reactions to Meta from investors and analysts. The pros, including Jim Cramer , discussed the tech giant after it reported third-quarter results. With the help of digital ad spending growth, the company reported revenue increased 23%, its fastest rate since 2021. The Facebook parent's stock popped in after hours trading Wednesday but reversed its gains after management warned of fourth-quarter ad softness due to the unpredictability of the Israel-Hamas war . Meta closed the trading session down 3.7% and is currently held in Cramer's Charitable Trust portfolio.

Persons: Jim Cramer Organizations: Facebook, Meta, Trust Locations: Israel

AdvertisementAdvertisementYou can get Southwest's Companion Pass by earning 135,000 Rapid Rewards points within a year — and this credit card bonus will get you more than halfway there. This elevated welcome bonus is available on all three personal credit cards:AdvertisementAdvertisementThe Southwest Rapid Rewards® Priority Credit CardThe Southwest Rapid Rewards® Premier Credit CardAnd the Southwest Rapid Rewards® Plus Credit Card. Southwest Rapid Rewards® Plus Credit Card Apply now lock icon An icon in the shape of lock. Annual fee Insider’s Take The Southwest Rapid Rewards® Premier Credit Card is worth considering if you fly Southwest, even occasionally. Otherwise, have a look at other Southwest cards like the Southwest Rapid Rewards® Plus Credit Card and Southwest Rapid Rewards® Premier Credit Card, which have lower annual fees but the same elevated welcome bonus offer.

Persons: Nicolas Economou, Getty Images We're, —, We'll, you've, Miles, you'll Organizations: Rapid, Getty Images, Southwest, Rewards, Card, Southwest Airlines, Service, Southwest ®, FDIC, Rapid Rewards, Chase, eBay, Southwest Hotels Locations: U.S, Southwest

☆ Protect your portfolio income from hefty state taxes with these funds
▼ + stars: | 2023-10-26 | by ( Darla Mercado | Cfp | ) www.cnbc.com time to read: +4 min

Investors in high-tax locales can protect some of their portfolio income from steep levies by adding state-specific municipal bond funds to their fixed-income roster. "In the muni bond fund market, we're seeing yields higher than they have been in more than a decade," said Amy Arnott, portfolio strategist for Morningstar Research Services. That's because while muni bond income is generally free of federal taxes, it can also avoid state levies if the investor resides in the state where the bond was issued. That's where state-specific muni bond funds come into the picture. See below for a chart of 10 large state-focused muni bond funds.

Persons: Bonds, haven't, Amy Arnott, Dan Herron, Herron, Arnott, CNBC's Gabriel Cortes Organizations: Federal Reserve, Muni Bond ETF, Morningstar Research Services, Vanguard, SEC, Vanguard New, CPA, Wealth Advisors, muni Locations: California, New York, Massachusetts, Ohio, Jersey

☆ I live in a tiny home mansion and fell in love with it — it's the only way I could afford to live in California
▼ + stars: | 2023-10-26 | by ( Fortesa Latifi | ) www.businessinsider.com time to read: +6 min

She moved to California to live in what she calls a "tiny mansion" and has no regrets. AdvertisementAdvertisementMy tiny mansion allowed me to move to an expensive areaThe living room of Murphy's tiny home. I now live in Ramona, California, about 45 minutes from downtown San Diego, in what I call my "tiny mansion." It's 550 square feet total, and I'm part of a tiny home community that has a mix of tiny homes on wheels, park models, and manufactured homes. I'm having a hard time with cell reception in my tiny mansion, but that will be worked out.

Persons: Stacey Murphy, —, It's, Lindsay Wood, I'd, Murphy, Stacey Murphy I'm, I'm, it's, you'd Organizations: Service Locations: California, Brooklyn , New York, Florida, Ramona , California, San Diego

☆ Israel-Hamas war: Here’s why Israel’s ground offensive in Gaza hasn’t happened yet
▼ + stars: | 2023-10-26 | by ( Ivana Kottasová | ) edition.cnn.com time to read: +8 min

Ashkelon, Israel’s border with Gaza CNN —The lines of tanks, self-propelled artillery, armoured vehicles and army bulldozers stretch across the horizon near Israel’s border with Gaza. Israeli tanks are seen positioned near the border with Gaza, in southern Israel, on October 22. Gaza has been under blockade by Israel and Egypt for years, but after the Hamas attack, Israel also cut off its electricity, food, water and fuel supplies. The brutality of the Hamas attack sparked a huge wave of solidarity among Israel’s allies. Meanwhile on the Gaza border, the troops remain ready.

Persons: Violeta Santos Moura, Reuters Yocheved Lifshitz, Alexi J . Rosenfeld, –, Joe Biden, Rishi Sunak, Olaf Scholz, Emmanuel Macron, Biden, Israel, Hassan Nasrallah, Stephane Dujarric, General António Guterres, Guterres ’, Antonio Guterres, Seth Wenig, Benjamin Netanyahu, Netanyahu, ”, “ Organizations: Gaza CNN, Israel Defence Forces, Hamas, IDF, Reuters, Ichilov, Getty, British, CNN, UN, United, United Nations, UN Security, AP Australia, European Union, European Council Locations: Ashkelon, Israel’s, Gaza, Israel, Mexico, Brazil, United States, Germany, Thailand, Tel Aviv, United Nations, jazeera, gaza, Lebanon, Iran, Jihad, United, Egypt, European

Our experts answer readers' student loan questions and write unbiased product reviews (here's how we assess student loans). Federal student loans come with a variety of benefits that you'll lose out on if you refinance. Federal student loans come with a range of benefits and protections that are not available with private loans. These programs, such as Public Service Loan Forgiveness, provide loan forgiveness after meeting specific criteria. When it comes to refinancing student loans, it's important to be cautious about converting federal loans into private ones.

Persons: you'll, —, I've Organizations: Service Locations: Federal

☆ I moved my family from California to Texas 2 years ago. A friend warned me we would hate it — 6 months later, other families followed us.
▼ + stars: | 2023-10-25 | by ( Kiera Fields | ) www.businessinsider.com time to read: +7 min

Jian Jiao left the Bay Area in 2021 and moved his family to Austin, Texas. The Bay Area had a great job market for senior tech roles with many similar people around. AdvertisementAdvertisementAustin is expensive for Texas but cheap compared with the Bay Area. When my parents flew in from Beijing, they had multiple direct flights into the Bay Area. AdvertisementAdvertisementThe North Austin-South Austin divideMost of the new developments are in north Austin because that's where the tech hubs have been set up.

Persons: Jian Jiao, Jiao, Austin, —, we've, I've, it's, there's Organizations: Area, Service, BP, Google, Oracle, that's Locations: Austin , Texas, San Francisco, Austin, Sunnyvale, California, America, Orange County, Irvine, Southern California, Texas, Bay, Dallas, San Antonio, Houston, Beijing, South Austin

☆ 92% of American adults say they prefer to date people who've been to therapy, survey shows
▼ + stars: | 2023-10-25 | by ( Renée Onque | ) www.cnbc.com time to read: +3 min

It found that most people are looking for partners who have either seen a mental health professional in the past or are currently seeing one now. Fully 92% of those polled said they prefer to date people who've been to therapy, the September survey found. "I don't like what you do, so I say you're gaslighting me," Perel said. That is to say, while some people get useful insight and assistance out of working with a mental health professional, other people may just get buzzwords. "If you've never felt the need for therapy, you're not ready, or it's simply not for you," Pure notes, "your romantic prospects are probably just fine."

Persons: who've, Esther Perel, Perel, hasn't, you've Organizations: CNBC, Global

☆ Apple will reportedly release a bunch of new AirPods next year
▼ + stars: | 2023-10-25 | by ( Kif Leswing | ) www.cnbc.com time to read: +1 min

Apple plans to release new versions of several AirPods models next year, according to a report from Bloomberg. Apple's wireless headphones business has become a moneymaker for the company and requires regular updates to keep the product fresh and demand high. Since they were first announced in 2016, Apple's wireless white buds have become ubiquitous on big-city mass transit and inside offices and schools around the country. Apple's AirPods Pro, which cost $249, got minor updates last year, and this fall added a model with a USB-C port. Apple reports AirPods sales under its Wearables, Home and Accessories product line, which reported $41 billion in revenue in Apple's fiscal 2022.

Persons: Max Organizations: Bloomberg, Apple, Apple Watch, CNBC

☆ Can We Save the Redwoods by Helping Them Move?
▼ + stars: | 2023-10-25 | by ( Moises Velasquez-Manoff | ) www.nytimes.com time to read: +4 min

Their aggressive approach to conservation featured prominently in numerous scientific articles that followed, discussing the pros and cons of assisted migration. These cases underscore the reality that other plants and animals are already living where you might want to introduce something in order to save it. “I would treat assisted migration as a tool of last resort,” he told me in an email. Many of the animal’s native wetlands were fragmented and shrinking, and conservationists feared that global warming would finish the tortoise off. Similarly, she says, assisted migration is appropriate when contrasted with the other possibility: extinction if no one intervenes.

Persons: martens, Anthony Ricciardi, “, ”, it’s, “ It’s, ” Nicola Mitchell, Jessica Hellmann, you’re Organizations: McGill University, University of Western Australia, U.S . Forest Service, Forest Service, University of Minnesota’s Institute, Environment Locations: Central, South America, Australia, Hawaii, Canada, Newfoundland, Montreal, “, U.S

☆ Alphabet shares plummet after cloud revenue falls short. What the pros say to do next
▼ + stars: | 2023-10-25 | 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 EmailAlphabet shares plummet after cloud revenue falls short. What the pros say to do nextJim Cramer, veteran tech investor Paul Meeks, Michael Morris of Guggenheim Securities, Stephanie Link of Hightower Advisors and Jason Snipe of Odyssey Capital Advisors discussed Alphabet after the company reported third-quarter results that beat on the top and bottom lines but missed on cloud revenue estimates.

Persons: Jim Cramer, Paul Meeks, Michael Morris, Stephanie Link, Jason Snipe Organizations: Guggenheim Securities, Hightower Advisors, Odyssey Capital

☆ T'Yonna Major, 9, was 'destined for the Olympics' before she was fatally shot
▼ + stars: | 2023-10-24 | by ( Lauren Mascarenhas | ) edition.cnn.com time to read: +9 min

CNN —T’Yonna Major was a 9-year-old girl with an oversized heart – a ravenous reader, a generous friend, a loving daughter — and she was a fearless vaulter. More about T'Yonna Major T’Yonna was shot and killed on February 24, 2023. Besides her gymanistics skills, T'Yonna Major was also an avid reader and devoured over 100 books last year. “We’re trying to… We’re going to – there ain’t no trying – we’re going to keep her name going,” Tokiyo said. T'Yonna Major would practice her routines so many times that the whole family knew them by heart.

Persons: CNN — T’Yonna, —, ”, Donna Alexin, T’Yonna, ” Alexin, Nathacha Augustin, Dylan Lyons, Keith Moses, “, Brandi, Tokiyo, ” Brandi, ” T'Yonna, Dominic Major “, Dominic Major, ’ ” Dominic, who’ve, Father, Police haven’t, “ We’re, T'Yonna Major, ” Tokiyo, aren’t, Gabby Douglas, Simone Biles –, Soraya Hawthorne, Alexin, Soraya, T'Yonna, Dominic, I’d, McKenna, ” McKenna, — Alexin Organizations: CNN, Orlando Metro Gymnastics, Firearms, Police, NCAA Locations: Orange County , Florida, Chicago, America

☆ 3M beats on top and bottom lines. Here's what the pros are saying
▼ + stars: | 2023-10-24 | 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 Email3M beats on top and bottom lines. Here's what the pros are sayingJim Cramer, Stephanie Link of Hightower Advisors and Sylvia Jablonski of Defiance ETFs discussed 3M after the company reported third-quarter results that beat expectations.

Persons: Jim Cramer, Stephanie Link, Sylvia Jablonski Organizations: Hightower Advisors

☆ 3M beats on the top and bottom lines. Here's what the pros are saying
▼ + stars: | 2023-10-24 | by ( Alison Conklin | ) www.cnbc.com time to read: 1 min

Market Movers rounded up the latest reactions to 3M 's stock moves from the pros, including Jim Cramer , after the company reported third-quarter beats on the top and bottom lines Tuesday. Mike Roman, CEO of 3M, joined CNBC's " Squawk on the Street " to break down the company's weaker sales volumes, but said higher selling prices were a factor in the quarter's strong performance. 3M's stock closed the trading session up 5.3%.

Persons: Jim Cramer, Mike Roman

☆ Saving for your child's college education? Here’s how to invest for the next 10 years, according to the pros
▼ + stars: | 2023-10-23 | by ( Weizhen Tan | ) www.cnbc.com time to read: +5 min

Parents thinking of saving for their children's college education in around a decade could be in for some sticker shock. Breaking down the costs U.S. college tuition inflation averaged 12% annually from 2010 to 2022, according to T. Rowe Price, citing research by Education Data Initiative . Even assuming a more modest 5% annual inflation rate, the estimated total college cost could be as high as $383,823, she said. That college tuition bill 10 years from now — taking the $165,000 as a baseline and assuming a 3% normalized inflation rate and tuition inflation of 6% — could hit $295,000, according to Ebright. "It is important to maintain some exposure to growth assets as tuition inflation has traditionally been higher than the broader economy," Shen said.

Persons: Laura Suter, AJ Bell, Rowe Price, Wenting Shen, Shen, Alan Ebright, they're, AJ Bell's Suter, Rowe Price's Shen, Berkshire Hathaway, Suter Organizations: CNBC, AJ, Education Data Initiative, College Board, Check Capital Management, University of California, Securities, Berkshire, Fidelity Emerging Markets, Companies, Fidelity Locations: U.S, Asia, Britain, United States, Berkshire

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