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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
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
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
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. "I decided to get a high deductible health plan because I was young, healthy, and I didn't expect my medical expenses to be too high," she said. 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
Netflix is helping to kick off the latest earnings season with the streaming giant set to report its third quarter earnings after market close on Thursday. The company's stock price has steadily risen since the beginning of the year. However, this upcoming earnings report may be one of the last times investors receive regular updates on Netflix's membership numbers. "This change is really motivated by wanting to focus on what we see are the key metrics that we think matter most to the business," Netflix co-CEO Gregory Peters said during the company's 2024 first quarter earnings call on April 18. "We'll periodically update when we grow and we hit certain major milestones, we'll announce those.
Persons: Gregory Peters, we'll Organizations: Netflix
As a condition of that deal, EverPass included the right to build its own commercial streaming connection for "Sunday Ticket," bypassing third-party licensing. 1) Some commercial establishments are switching to EverPass's internet product. 2) Some commercial establishments are cutting the cord on pay-TV in general. 3) Certain commercial establishments are using YouTube's "Sunday Ticket" and paying residential prices (about $500 per year) instead of the higher business rates. 3) Certain commercial establishments are using YouTube's "Sunday Ticket" and paying residential prices (about $500 per year) instead of the higher business rates.
Persons: Alex Sherman, DirecTV's, What's, EverPass, Lillian Rizzo, , Everpass, It's, Craig Kilborn, Val Ackerman, Ackerman, that's, We're, Alex, you've, they're, Jeff Shell, Tom Brady, Tom Wagner, CNBC's Michael Ozanian, Jessica Golden, Brady, He'll, Wagner, Warner, Jake Piazza, CNBC's Rizzo, Nielsen, That's, — Ian Charles, Arctos, Charles, NBC's Peacock, Christian Miller, Miller, Adam Silver doesn't, Jim Dolan, Abu, Greg Norman, Norman, Rory McIlroy, Tiger Woods, Chiney Ogwumike Organizations: CNBC, NFL, Google, YouTube, DirecTV, EverPass Media, RedBird Capital Partners, Amazon Prime, ESPN, Dish Network, Big East Conference, WNBA, Big, CNBC Sport, Skydance, Paramount Global, Shell, Paramount, Las Vegas Raiders, Knighthead, Raiders, Fox Sports, NBA, Warner Bros, Discovery, TNT, MLB, Los Angeles Dodgers, New York Mets, Mets, Revenue, League, Golden State Warriors, Boston Celtics, Philadelphia Phillies, Wall Street, Comcast, Puma, NBC News, U.S, SEC, New York Times, Sphere Entertainment, Saudi Arabia's Public Investment Fund, Sports Business, PGA, Chiney, Continent Foundation, Philadelphia Eagles, Kansas City Chiefs, Visual China, Getty, Big East Locations: Apple, New York, American, Boston , Philadelphia, Northern California, U.S, Abu Dhabi, Vegas, Queens, Africa, Newport Beach , California
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
Mid-cap stocks offer quality and significant upside, says Keith, a PM at Parnassus Investments. Keith shares 4 mid-cap stocks dominating their industries and on track to be tomorrow's mega-caps. The Magnificent Seven have incredibly high market caps now, but they were small- and mid-sized companies before they were market behemoths. That's why Lori Keith, director of research and portfolio manager at Parnassus Investments, is such a big fan of mid-cap stocks. AdvertisementBelow, she shares 4 mid-cap companies with strong long-term growth prospects and the potential to become market dominants.
Persons: Lori Keith, there's, Keith, , Warren Buffett, Keith's Organizations: Parnassus Investments, Service, Nvidia, Fund
Dividend stocks could be poised to get their moment in the sun as interest rates fall – and investors only need to take a simple step to boost their long-term returns in these positions. "As rates fall, we might see people looking for longer-term alternatives and, in turn, dividend-paying stocks," he said. For starters, it's a form of dollar-cost averaging into a position, meaning you're buying the stock at regular intervals regardless of the price. "It allows them to reinvest this dividend on a regular scheduled timeframe and have a great opportunity for a larger total return over the long term." The ProShares S & P 500 Dividend Aristocrats (NOBL) has a total return of nearly 15% in 2024 and an expense ratio of 0.35%.
Persons: Dan Stein, Charles Schwab, Jay Spector, That's, would've, you'll, Stein, – CNBC's Chris Hayes Organizations: Federal Reserve, Investors, CFP, EverVest, Machines, IBM, Target Corp, Apple, Broadcom, Microsoft, Exxon Mobil, Internal Revenue Service Locations: Tysons Corner , Virginia, Scottsdale , Arizona
Nichole Wischoff screened over 500 applications before making her first hire for her VC fund. AdvertisementThis as-told-to essay is based on a conversation with Nichole Wischoff, 34, founder of Wischoff Ventures. Business Insider previously published an essay about her first recruit at Wischoff Ventures, Neal Mintz, and his hiring experience. I spent most of my career working at startups and had to brute-force my way to starting Wischoff Ventures from scratch. Screening through 500 applications to find the perfect hireI started recruiting for my fund's first full-time hire earlier this year.
Persons: Nichole Wischoff, Wischoff, Neal Mintz, Mintz, , Neal, Nichole Wischoff's, you've, Don't, you'd Organizations: Service, Wischoff Ventures, Venture, Stanford Locations: San Francisco, New York
Novelist James Patterson — along with a hardworking group of co-authors — generates multiple books a year. So I think that's kind of cool. I'm going to do a movie about cowboys and circuses! People don't think of them that way. So people ask — "What's the difference between James Patterson working with a group of people to make stuff in the voice of James Patterson and James Patterson using AI for the same thing?"
Persons: James Patterson —, that's, , James Patterson, he's, Tina Brown, Patterson, Bill Clinton, Stephen King, you'd, We'll, Clinton, We're, nobody's, I've, we've, Hillary, don't, Let's, Eric Trump, Bush, John, Grisham, Don, Henley, Joe Walsh Organizations: Service, Hollywood, Clinton, The Eagles Locations: Hollywood
The vast majority of analysts surveyed by FactSet hold a strong buy or buy rating on the stock. Despite its recent slowdown, analysts surveyed by FactSet have a consensus buy rating on the dominant e-commerce platform. Bullish voices on the stock include Goldman Sachs analyst Eric Sheridan, who recently reiterated a buy rating and $230 price target. JPMorgan's Anmuth is similarly positive on Amazon ahead of earnings, rating the stock overweight and saying it remains the favorite in the bank's firm's internet sector coverage. The consensus FactSet rating on Meta is buy, with an average price target of $604, suggesting just 2.3% potential upside.
Persons: Roundhill, , selloff, Goldman Sachs, Kash Rangan, Nvidia's Blackwell, Brad Zelnick, Amit Daryanani, Daryanani, Apple's wearables, qtr, Tim Cook's, you'd, Morgan Stanley, Jensen, Blackwell, Biden, Tesla, enthusiam, Elon, Wells, Colin Langan, Department's, Doug Anmuth, Bank of America's Justin Post, Eric Sheridan, Sheridan, Goldman, Anmuth, Baird, Roth MKM, JPMorgan's Anmuth, Goldman's Sheridan, Meta's, — CNBC's Michael Bloom Organizations: Apple, Microsoft, Nvidia, Tesla, CNBC, Windows, Investment, Deutsche Bank, Justice Department, Blackwell, Bloomberg, Ford, General Motors, EV, Google, FactSet, Bank of America's, ISI, Walmart, Costco, eBay, Meta, Ray, Labs, Facebook, Temu, Goldman Locations: China, FactSet, ., Downside, U.S, Wells Fargo, American, Meta's Asia, Pacific
If you have an old Photobucket account you haven't touched in a while, you'll need to reactivate it to opt out of any licensing deals by setting your account to "private." Related storiesSitting on a possible AI-training goldmineUnlike other mid-2000s photo-hosting peers like Flickr or Webshots, Photobucket hasn't deleted people's old photos. Those old images that Photobucket has been storing for all these years — things people uploaded in 2005 and forgot about — are still there. AdvertisementI have an old Photobucket account from around 2007 that I used for hosting images for an old blog. Presumably, there are plenty of people like me with an old Photobucket account, largely forgotten — maybe abandoned because we moved the photos somewhere else or simply didn't care.
Persons: Photobucket, , Ted Leonard, it's, Leonard, Leonard didn't, Photobucket Photobucket, Meta, OpenAI, I've Organizations: Service, Myspace, Business, News Corp, soccer, Flickr, Yahoo Locations: Denver
"I was like, it was too good to be true, and I still fell for it," she told CNBC Make It. Rowena transferred the crypto to an Instagram account she believed belonged to a finance professional managing investments for a friend. "It's stopping and thinking, and it's having a conversation with someone," she told CNBC Make It last week. "I had invested some money into crypto, which I'm going to hold my hands up and say I don't fully understand," Rowena told CNBC Make It. "It's about making sure that wherever you're going for information, that it's a reputable source," Quinn-Cirillo told CNBC Make It.
Persons: Carly Rowena, Carly Rowena Carly Rowena, Rowena, she'd, Rowena messaged, , I'm, Carly Rowena Rowena, Akamai, Censuswide, Tara Quinn, Cirillo, Quinn, hasn't, Natalie Billingham, Billingham, she's Organizations: CNBC, YouTube, British Psychological Society, Facebook, Meta Locations: British, TikTok, Costa Rica, Akamai
How to counter a low-ball salary offer
  + stars: | 2024-10-14 | by ( Morgan Smith | ) www.cnbc.com   time to read: +3 min
It's no secret that hiring managers often keep their cards close to their chest during a salary negotiation. Of course, there's always a chance a salary offer falls farther than $10,000 away from your expectations. A low-ball salary offer doesn't always mean a lost cause. "The person you're talking to isn't always the person who decides whether or not you get that higher salary, they're often the person who has to go make the case to someone else," she adds. Candidates who can articulate how the timing of their start date benefits the company's goals have the "best chances" of landing a higher salary, Tolbert adds.
Persons: Niani Tolbert, Adam Broda, there's, Tolbert, Erin McGoff, isn't, they're, you'd Organizations: CNBC, Amazon, Pew Research Center Locations: New York
"Long-term care costs are completely outside of our health-care system. Medicaid is a needs-based health-care program, and eligibility requirements to receive long-term care under the program vary from state to state. "You might think about the average duration of long-term care along with the average costs to build a long-term care fund." Long-term care insuranceThe middle path involves buying insurance designed to help pay for long-term care. This can include long-term care insurance or whole life insurance with a long-term care rider.
Persons: Christine Benz, Morningstar, Spencer Look, CNBC's, SurveyMonkey, Yusuf Abugideiri, Yeske Buie, they'll, Gerika Espinosa, you'd Organizations: Medicare, Morningstar, Care Survey, Benz, Medicaid, Centers, Services, American, Aging, Administration for Community, American Association for, Care Insurance, CNBC Locations: U.S, Vienna , Virginia, Salt Lake City , Utah
Zack and Annie moved from California to Scotland with their three young kids earlier this year. Now, they have a better work-life balance and spend more time outdoors with their kids. After a decade of living in California, Zach and Annie decided to move to Scotland with their three kids. Zach and Annie/Simple Scottish LivingLife in Scotland is slower compared to California, in part due to a better work-life balance. "Until maybe when the winter comes, we're trying to keep them away from that as much as possible and make the most of what's around us outdoors," Annie said.
Persons: Zack, Annie, , Zach, they've, We're, there's, It's, we're Organizations: Service, Monmouth University, Gallup, Patrol, Johns Hopkins Center for Gun Violence Solutions Locations: California, Scotland
I'm now a mom of six kids, and I find it so easy to have a big family. I love having a massive family, especially having grown up with just one sibling. My kids love each otherOur kids, aged 18, 11, 6, 4, almost 2, and 4 months old, are each other's built-in best friends. Having a big family doesn't just mean more work; it also means more people to share in life's adventures. Ultimately, our house is filled with laughter, "I love yous," and yes, a bit of chaos.
Persons: I'm, , I've, she'd, you've, you'll, you'd Organizations: Service
Molloy said to consume 0.75 grams of protein per pound of body weight for optimal health. Related storiesA 2022 study supports this, finding that 0.7 grams per pound of body weight was optimal for strength gains. AdvertisementHowever, a person with a lot of weight to lose should calculate their protein intake based on their goal weight not their current weight, he said. Gradually add more protein to breakfast, lunch, dinner, and snacksIf you want to increase your protein intake, Molloy advises looking at each of your meals in turn. "Once you've got those three meals sorted, you can start to look at other snacks throughout the day to try to increase your protein intake," Molloy said.
Persons: Mike Molloy, Molloy, , that's, we've, you've Organizations: Service Locations: overeating
Steve McQueen's new film, "Blitz," focuses on the lives of civilians in London during World War II. "Blitz" premiered at the London Film Festival on October 9. AdvertisementSaoirse Ronan has said that shooting the film "Blitz," which takes place in war-torn Britain in the 1940s, felt "incredibly relevant" against the backdrop of conflicts around the world. The Irish actor leads the cast of the new Steve McQueen film, which premiered at the London Film Festival on October 9. Stephen Graham, Steve McQueen, Saoirse Ronan, Elliott Heffernan, and Paul Weller attend the "Blitz" world premiere on October 9.
Persons: Steve McQueen's, Star Saoirse Ronan, , Saoirse Ronan, Steve McQueen, Ronan, I'd, Stephen Graham, Elliott Heffernan, Paul Weller, Gareth Cattermole, Harris Dickinson, Kathy Burke, Benjamin Clementine, George, Rita, McQueen Organizations: London, Service, Business, Nazi, Apple Locations: London, Britain, Irish, Russia, Ukraine
Shannon Detrick has spent over $10,000 for friends' weddings and bachelorette parties since 2022. And that doesn't even include the four weddings for which we've been guests but not part of the wedding party. At the wedding, most of the members of our wedding party stayed for free in the big house on the wedding venue's property. There's also the issue of budgeting time off to attend friends' weddings — it starts to add up. That can be really, really challenging.
Persons: Shannon Detrick, , I've, That's, we've, it's, It's, wasn't, we're, There's, she's, could've, I'm, Jane Zhang Organizations: Service Locations: Sacramento , California, Palm Springs, Miami, New Orleans, Denver, Maine, California, Sonoma
As a wedding planner, I've heard my fair share of questions some guests feel embarrassed to ask. If you already gave the couple a wedding gift, you don't need to bring another to the event. Here are answers to common ones I find wedding guests are too embarrassed to ask. AdvertisementCan I wear white to a wedding if I'm not the one getting married? You can wear white to a wedding, but it may not be worth it.
Persons: I've, , it's, you've, Ale_Koziura, I'm, Solange, Alan Ferguson's Organizations: Service
download the app Email address Sign up By clicking “Sign Up”, you accept our Terms of Service and Privacy Policy . I was researching a master's thesis as part of my degree in my native Sweden and lived in New York for a year. I had a great job in Sweden — I was a strategic business developer in the IT department of a global company — and loved my boss. But after traveling a lot and then moving abroad, I've changed a lot. I feel like I've outgrown Sweden, and it's almost claustrophobic for me to go back.
Persons: Olivia Tapper, , Thomas, Sweden —, I've Organizations: Service, America, Business Locations: Scandinavia, Austin , Texas, Sweden, New York, Europe, Austin, Rome, Stockholm
That's because of a twisty backstory involving gun-shy Hollywood studios, a fledgling producer, and his father-in-law: Dan Snyder, a billionaire Trump supporter who initially bankrolled the movie. Related storiesYou got a Trump supporter to fund this movie, which in no way is a movie a Trump supporter would want to see, let alone fund. And so indirectly, a Republican Trump donor's money was paying for the production of this movie. The nightmare scenario would be that we shoot this movie and then Dan Snyder hates the movie and somehow is able to block it. AdvertisementThis will sound pretty cavalier from me, but: It seems like if there's an "unseeable Trump movie" that is going to immediately make people demand to see it.
Persons: Donald Trump's, Vanity Fair's Gabriel Sherman, , Donald Trump, Gabriel Sherman, Sherman, Roy Cohn, Trump, Sebastian Stan, Bucky Barnes, Cohn, Succession's, Jeremy Strong, you'd, Dan Snyder, humanizes Trump, I've, humanize Donald Trump, I'm, Roger Ailes, It's Donald Trump's, Mark Rapaport, He's, Snyder, Ivana, Dan, who've, unseeable, Jeff Bezos, doesn't, mishegoss, Time Warner Organizations: Trump, Service, Marvel, Hollywood, Fox News, YouTube, Republican, Washington NFL, NFL, Republican Trump, Cannes, Telluride Film, MGM, Washington Post, FCC, Justice Department, Time Warner, CNN, Time, DOJ Locations: New York City, Cannes, French, France, America, Hollywood
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