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☆ Oscar Health CEO Mario Schlosser shares how the health-insurance upstart plans to finally turn a profit after years of losses
▼ + stars: | 2023-01-12 | by ( ) www.businessinsider.com time to read: +7 min

Oscar Health has bled money since it was founded more than a decade ago. Oscar Health, the 10-year-old health insurer, has never turned a profit. In an interview with Insider in November, Schlosser said Oscar had already done the legwork to turn a profit. Oscar is doing a better job at lowering patients' medical costs and is raising the prices of its health plans, he said. In 2013, Oscar met with outside actuaries to price its first health plans, Schlosser said.

☆ 4 SEO strategies that'll supercharge your website's ranking, from real small business owners who use them
▼ + stars: | 2023-01-10 | by ( Erin Greenawald | ) www.businessinsider.com time to read: +8 min

SEO can be a cheap and effective way to drive traffic to your small business's website. Business owners and SEO experts said a good URL and strong meta descriptions are key. This article is part of "Marketing for Small Business," a series exploring the basics of marketing strategy for SBOs to earn new customers and grow their business. Small business owners and SEO experts shared with Insider the strategies that have helped them improve their site rankings over time and build a meaningful flow of organic traffic from search. "SEO grows over time," Fabio added, "so by 12 months, you should see much stronger results than at six months."

☆ The best ways to book domestic flights using Amex Membership Rewards points
▼ + stars: | 2023-01-09 | by ( Jason Stauffer | Benji Stawski | ) www.cnbc.com time to read: +18 min

Below, CNBC Select details the best ways to redeem Amex points to fly for free (or nearly free) across the U.S. Best Amex cards for earning Membership Rewards pointsAmerican Express has a strong lineup of both personal and business cards that earn transferrable Membership Rewards points. How to use Amex points for domestic flightsYou can only transfer Amex points to two U.S.-based airline programs: Delta SkyMiles and JetBlue TrueBlue. Booking United flights with Amex points Amex Membership Rewards points don't transfer to United MileagePlus, but you can book United award flights through United's Star Alliance partners, such as Avianca LifeMiles and Air Canada Aeroplan. By strategically transferring Amex points to partner airlines, you can use Amex points to book flights with United Airlines, American Airlines, Alaska Airlines, and others.

☆ Getting Results—and Money—When Airlines Cancel Flights
▼ + stars: | 2023-01-05 | by ( Jacob Passy | ) www.wsj.com time to read: 1 min

Canceled or delayed flights can cost travelers money. Getting an airline to pay you back for expenses like hotel stays and rental cars isn’t impossible, but it can involve lots of legwork. Many travelers are now learning this the hard way in the wake of the Christmas week meltdown for Southwest Airlines Co. that saw the carrier cancel nearly 16,000 flights.

☆ What’s Your Savings Rate? These Banks Are Paying 10 Times the National Average
▼ + stars: | 2022-12-28 | by ( ) www.wsj.com time to read: +9 min

Savings accounts have followed suit, with many top accounts yielding 3%, or even 4%, up from less than 1% earlier this year. The average savings account still earns just 0.3%, according to the Federal Deposit Insurance Corp. Accordingly, the highest APYs you can expect to find on savings accounts today are clustered close to that figure. If your main priority is simply the best rate, some online banks with less name recognition are pushing the envelope even further. Leon says digital institutions tend to be among the most competitive in their rates for CDs as well as savings accounts.

☆ Justice Department Faces Accusations It Outsourced a Corporate Investigation in Bribery Case
▼ + stars: | 2022-12-22 | by ( Dylan Tokar | ) www.wsj.com time to read: +7 min

PREVIEWThe case against Messrs. Coburn and Schwartz was presented as a model for the Justice Department’s approach to corporate crime when it was announced in 2019. The department’s investigation into Messrs. Coburn and Schwartz was prompted by one such tipoff. The Deutsche Bank ruling was heavily cited in the motions filed by Messrs. Coburn and Schwartz. Since Messrs. Coburn and Schwartz launched their legal challenge, the Justice Department has doubled down on its bid to recruit companies as corporate crime watchdogs. The judge earlier in December heard oral arguments by both sides related to the executives’ motions.

You'll need three things to save money as a teenager: a savings account, a job or an income stream, and a goal. And an even bigger benefit of learning how to save money as a teenager is that you can start building a savings habit that will last forever. Then, you'll just need to bring the right documents and sign the paperwork to set one up to start saving. Start thinking ahead about how you'll use the money you're saving, and how to maximize that money. If you're saving for a car, start learning about the costs associated with owning a vehicle, how to buy one, and which car is right for you.

That property distinction is incredibly important, says Joe Howe, crypto tax manager at Crypto Tax Girl, a firm that specializes in helping crypto investors. Capital gains tax is a tax on the profit made from selling an asset or investment, including crypto. If you are single and earn $50,000 a year, your capital gains tax rate is 15%. As such, you would owe $150 in capital gains taxes, triggered by your bitcoin sale. Long-term capital gains tax rates apply to profits you earn on a crypto investment held for longer than a year, while short-term capital gains tax rates apply to profits on an investment held for less than a year.

☆ What to do if you’re worried about your Twitter account going away
▼ + stars: | 2022-11-18 | by ( Catherine Thorbecke | ) edition.cnn.com time to read: +3 min

Here are steps you can take if you’re worried about losing your Twitter account. Downloading your Twitter archiveIf you want to preserve your past tweets, you can start by downloading your Twitter archive. Users can download their archive by going to their account setting pages, clicking on the “more” icon and then selecting “Your account” from the options menu. Staying in touch with Twitter contacts on other platformsAmid the uncertainty surrounding Twitter, the social media app Mastodon has seen its popularity skyrocket in recent weeks. Some other tools have emerged, such as Twitodon, which helps users find their Twitter followers and the accounts they followed on Mastodon.

"I respect companies protecting their resources, but how they treat impacted employees is very telling to employees that are still working there," he said. "I respect companies protecting their resources but how they treat impacted employees is very telling to employees that are still working there." Be mindful of remaining workers' concernsCompanies should "recognize this is a very difficult time for people who remain with the organization" as well, Benz said. "Make sure managers and leaders are available for remaining employees and can be clear about the future without overpromising. Inform remaining workers about the changes that may need to be made in light of job cuts.

☆ A Seattle-based real estate investor who has 'never lost money on a deal' explains exactly what he's looking for when buying property. 'I say no to 99.5% of deals.'
▼ + stars: | 2022-11-05 | by ( Kathleen Elkins | ) www.businessinsider.com time to read: +5 min

Seattle-based real estate investor Todd Baldwin is picky when it comes to selecting properties to buy. "It's not because I'm afraid of the market or because I'm bearish on real estate," he emphasized. It's worth noting that multi-family properties aren't prevalent everywhere. That's what Baldwin did with most of the single-family properties he's owned over the years. If it's a house I'm renting out by the bedroom, I want one parking spot for every rentable bedroom.

☆ Jellysmack is launching a new studio that will produce months' worth of original content for creators
▼ + stars: | 2022-10-18 | by ( Geoff Weiss | ) www.businessinsider.com time to read: +4 min

Jellysmack will produce original content for creators through its new division, JellySmash. When creators are burned out or simply seeking to scale, JellySmash can film two months' worth of videos in three days. Jellysmack on Tuesday unveiled a new original content division called JellySmash Productions that the company has been incubating for the past year. JellySmash will monetize the content by taking a cut of creators' ad dollars on the back-end of the content. Its flagship offering, the Jellysmack Creator Program, takes existing videos and optimizes them for distribution on other platforms.

Here's what to know if you're trying to decide between the Capital One Venture X Rewards Credit Card and Chase Sapphire Reserve®. When you redeem Chase Ultimate Rewards points through the Chase Travel portal, they're worth 1.5 cents apiece — so 80,000 Chase points are worth $1,200 in travel. Transfer partnersThe Capital One Venture X Rewards Credit Card and Chase Sapphire Reserve® earn flexible rewards you can transfer to airline and hotel partners in their respective programs. Anniversary bonusesThe Capital One Venture X Rewards Credit Card comes with a 10,000-mile bonus each year on your account anniversary. Annual feesBecause they're both premium cards, the Chase Sapphire Reserve® and Capital One Venture X Rewards Credit Card charge high annual fees — but with the Capital One Venture X Rewards Credit Card, it's easier to get a concrete value that can offset all of the annual fee and then some.

In the event of bankruptcy, crypto customers with custodially held assets are typically last in line to receive payment. Consider a custodial walletThere are two key types of crypto wallets: custodial wallets and non-custodial wallets. You can set up multiple crypto wallets, so one solution would be to open non-custodial custodial wallets in addition to your exchange's custodial wallet. Pros and cons of custodial walletsAs mentioned earlier, custodial wallets are managed by a third party (e.g., a crypto exchange). You could even set up multiple crypto wallets to lower the risks associated with custody (e.g., hacks and theft).

Gen Z gets most of their financial literacy information on social media. Unlike older generations, Gen Z will only hire a financial professional as a last resort. Even with that warning, Yang says that Gen Z approaches personal finance differently than older generations in three distinct ways. In contrast, Gen Z is more creative with finding solutions. Gen Z does hours of research to see if the information checks outEven though Gen Z finds their financial literacy content online, they still do the legwork of making sure the information they found checks out.

☆ Wisdom from a crypto billionaire, plus a risk-free bitcoin trade that could pay double-digit returns
▼ + stars: | 2021-04-18 | by ( Business Insider | ) www.businessinsider.com time to read: +2 min

Welcome to this weekly roundup of Investing stories from deputy editor Joe Ciolli. Stephen Lam/Getty ImagesHello and welcome to Insider Investing. I'm Joe Ciolli, and I'm here to guide you through what's been happening in markets. Here's what's on the docket:If you aren't yet a subscriber to Insider Investing, you can sign up here. On a recent podcast, he discussed a strategy that secured 10% daily returns on million-dollar trades.

See Insider's list of the best real estate investing apps»Channel-surfing these days will almost certainly lead you into some iteration of real estate, from realtors' million-dollar listings to DIY-ers house-flipping. Real estate crowdfundingReal estate crowdfunding is a strategy that allows enterprises to raise capital from large groups of individuals. Real estate investment trusts (REITs)If you want to wade into real estate, investing in a real estate investment trust (REIT) will provide exposure to the market without the time and cost commitment of buying your own property. Strategies for successful real estate investingWhatever form your real estate investment takes, certain strategies will stand you in good stead. Pure investment plays — which don't involve hands-on management from you — include real estate crowdfunding, investing in real estate limited partnerships, and buying into real estate investment trusts.

Warren Buffett is a skilled investor who is studied, analyzed, and imitated by many. But the "secret" to Buffett's immense wealth is simply how long he's been investing, writes Morgan Housel in his new book "The Psychology of Money." "Effectively all of Warren Buffett's financial success can be tied to the financial base he built in his pubescent years and the longevity he maintained in his geriatric years," Housel writes in his book. And if you invest money at the level of someone like Buffett, the results become "ridiculous, impractical numbers," Housel writes. High returns are nice, of course, but they're difficult to come by and not the only way to build wealth, Housel writes.

☆ The definitive guide to getting started in real-estate investing
▼ + stars: | 2020-07-21 | by ( Business Insider | ) www.businessinsider.com time to read: +4 min

But have you ever considered real-estate investing? If you aren't yet a subscriber to Investing Insider, you can sign up here. Our research culminated in a definitive guide to getting into real-estate investing. Among Mittal's funds is the StocksPlus Long Duration Fund, which consistently beats 99% of peers. — Bill Miller, the founder of Miller Value Partners, whose record-setting fund trounced the market for 15 consecutive years

You'll need three things to save money as a teenager: a savings account, a job or an income stream, and a goal. Whether you're looking to save for your first car, college, or a gap-year trip around the world, the most important part of saving as a teen is getting started. And an even bigger benefit of learning how to save money as a teenager is that you can start building a savings habit that will last forever. Start thinking ahead about how you'll use the money you're saving, and how to maximize that money. If you're saving for a car, start learning about the costs associated with owning a vehicle, how to buy one, and which car is right for you.

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