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See our picks for the best debt consolidation loans »PenFed Personal Loan FeaturesPenFed Credit Union Personal Loan amounts range from $600 to $50,000. For example, Navy Federal Credit Union Personal Loan amount range is $250 to $50,000, and the range for Connexus Credit Union Personal Loan is $2,500 to $25,000. PenFed Personal Loan Pros and ConsPenFed Credit Union Personal Loan ProsWide range of loan amounts. PenFed Personal Loan ConsYou have to be a member to get your loan. Yes, PenFed Credit Union is a legitimate credit union federally insured by the National Credit Union Administration.

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☆ I quit my job at 55 and moved to Italy for retirement. I lost my incredible pension, but I'm so much happier now.
▼ + stars: | 2024-08-08 | by ( Jane Ridley | ) www.businessinsider.com time to read: +6 min

I quit my government job in January 2022, two months after returning from a European vacation with my son, Ryan. I lost count of the people who said I'd lose a big chunk of my pension if I didn't retire at 65. Ryan qualified for Italian citizenship if he wanted to apply for it. AdvertisementSperoni and her son, Ryan, when they lived in Sacramento. He said I'd love the place.

Persons: —, Lisa Speroni, Ryan, I'd, isn't, I'm, Speroni, he'd, Medusa, — I'd, Italy Ryan, I've Organizations: Service, Business Locations: Italy, California, Italian, Sacramento, Florence, Salerno, Turin, Amalfi Coast, Rome

☆ Parents are split on whether it's OK to post back-to-school photos on social media. Experts are too.
▼ + stars: | 2024-08-07 | by ( Jane Ridley | ) www.businessinsider.com time to read: +6 min

Read previewWhen her 4-year-old starts pre-K this September, Alisha Gomez won't post back-to-school photos on her social media. Whether to post back-to-school photos has become a hot topic. The director of Let Grow, a nonprofit that promotes childhood independence and encourages parents not to hyper-focus on safety, said fears about back-to-school photos are overblown. Dad Mark Kaley told BI the controversy about posting back-to-school photos of kids on social media didn't worry him and his wife, Heather. Advertisement"I'll write a few words such as, 'Look, Autumn has Mrs. Smith this year.

Persons: —, Alisha Gomez, I've, Gomez, Carly Yoost, Lenore Skenazy, Let, Mark Kaley, Bruce Schneier, — that's, Skenaky, Dad Mark Kaley, Heather, Kaley, William, it's, Smith, It's Organizations: Service, Business, Yorker, Child Rescue Coalition, Facebook Locations: New York, Florida

☆ The true value of grandparents: 2 families explain how much you can save with free childcare
▼ + stars: | 2024-08-06 | by ( Jane Ridley | ) www.businessinsider.com time to read: +6 min

Read previewWhen millennial Jessica Papi was trying to get pregnant, she discussed future childcare options with her mom, Carol Mooney. This story is available exclusively to Business Insider subscribers. "These arrangements are incredibly beneficial to parents," employment attorney Daphne Delvaux, who advocates for better childcare provision in the US, told Business Insider. AdvertisementDevika Tandon wishes her son's grandparents lived closer to help ease the financial and emotional burden of childcare. Do you have an interesting story about being a working parent you'd like to share with Business Insider?

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☆ The stock market is panicking, but you don’t have to
▼ + stars: | 2024-08-06 | by ( Allison Morrow | ) edition.cnn.com time to read: +6 min

To be sure, the carnage on Wall Street and in equities markets around the world was real. But Monday’s panic was the Wall Street equivalent of a tantrum from a kid who just got told they can’t have ice cream for dinner. But don’t let the stock market drama fool you: The US economy is still in good shape, despite some turbulence. “And I’m not too worried about Wall Street becoming poor.”Stocks looked to bounce back Tuesday. Wall Street worked itself into a lather when ChatGPT came out two years ago.

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When Vice President Kamala Harris gathered some of her closest advisers in the dining room of the Naval Observatory on Saturday, they had more choices than time. The advisers were there to present their findings on a list that still technically ran six deep to Ms. Harris, who had less than 72 hours to sift through it to make her final decision. One by one, the circle of her most trusted confidants ran through the pros and cons of each possible No. Tim Walz of Minnesota, Senator Mark Kelly of Arizona and Gov. And the upshot, Ms. Harris was told, was this: She could win the White House with any of the three finalists by her side.

Persons: Kamala Harris, Harris, confidants, Tim Walz, Mark Kelly of Arizona, Josh Shapiro Organizations: Naval, Gov, Pennsylvania, Records, White Locations: Minnesota

Chase Sapphire Reserve® OverviewThe Chase Sapphire Reserve® is one of the best travel rewards credit cards of all time. Chase Sapphire Lounges will be available to Chase Sapphire Reserve® cardholders and all Priority Pass members. Chase Sapphire Reserve® vs. Chase Sapphire Preferred® CardIf you're trying to decide between the Chase Sapphire Reserve® and Chase Sapphire Preferred® Card, you'll want to decide if each card's annual fee is justified based on your travel and spending habits. Chase Sapphire Reserve® Cardholder InsightsAs part of our analysis of the Chase Sapphire Reserve®, we've considered discussions across various forums, including notable mentions on Reddit and FlyerTalk. Chase Sapphire Reserve® Frequently Asked QuestionsWhat credit score do you need to get the Chase Sapphire Reserve®?

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However, because likely fewer people are willing to make the initial $550 investment in the Chase Sapphire Reserve, we'll crown the Sapphire Preferred Card in this category. Winner: Sapphire Preferred Card and Chase Sapphire ReserveTravel benefits and protectionsThe biggest difference between the Sapphire Preferred Card and the Chase Sapphire Reserve are the ongoing benefits. But as you can see, the Chase Sapphire Reserve trounces the Sapphire Preferred Card in a few categories. Winner: Chase Sapphire ReserveBonus points on Lyft ridesThrough March 2025, the Chase Sapphire Reserve offers 10x points on Lyft rides — a great return on spending — while the Sapphire Preferred Card offers 5x points. Chase Sapphire Preferred vs. Sapphire Reserve frequently asked questionsHow do the annual fees for the Chase Sapphire Preferred and Sapphire Reserve compare?

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☆ The global 'carry trade' is unwinding. Here's why it's a brutal force crushing stocks worldwide.
▼ + stars: | 2024-08-05 | by ( Matthew Fox | ) www.businessinsider.com time to read: +4 min

The unwind of the global yen "carry trade" is a force battering stocks. AdvertisementStocks plunged on Monday, and market pros say a lot of it has to do with the global unwind of the yen "carry trade." The carry trade refers to investors borrowing money at near-zero interest rates in Japan, and then redeploying that cash into higher-yielding assets around the world, such as stocks and bonds. "The selloff here is to a large extent attributable to the unwind of the so-called carry trade," Ed Yardeni told Yahoo Finance on Monday. AdvertisementThe unwind in the yen carry trade will go down as the biggest ever, according to a Monday note from Societe Generale.

Persons: —, Stocks, Ed Yardeni, that's, Yardeni, That's, Kit Juckes, Warren Buffett's, Juckes, It's Organizations: Service, Yahoo Finance, Bank of Japan, Federal, Bank of, Federal Reserve, Societe Generale Locations: Japan, Bank of Japan

☆ Stretches for becoming more flexible
▼ + stars: | 2024-08-05 | by ( Kristen Rogers | ) edition.cnn.com time to read: +7 min

Becoming more flexible as an older adult is still doable, but collagen loss means it’s also harder to achieve. Stretch yourself looseThe stretches experts recommend for flexibility can depend on personal needs, but they do have some suggestions for full-body flexibility. Stretches for hip flexors, including the cat-cow yoga pose and compound stretches that target multiple muscle groups, are especially helpful for people with desk jobs, experts said. Stretches should be held for 15 to 30 seconds, and you can sprinkle in stretches throughout your day by taking a break from work every 45 minutes, or try 20-minute sessions, experts said. Other pros of pliabilityAs you’re working your way to a more flexible body, you may find stretching produces even more payoffs than just the flexibility itself.

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Last week, 30-year mortgage rates averaged 6.28%, and they're even lower today, according to Zillow data. What does this mean for mortgage rates? 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. As inflation slows and the Federal Reserve is able to start cutting the federal funds rate, mortgage rates are expected to trend down as well.

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☆ Top Wall Street analysts like these 3 stocks for long-term prospects
▼ + stars: | 2024-08-04 | by ( Tipranks.Com Staff | ) www.cnbc.com time to read: +5 min

Instead, they should consider the recommendations of top Wall Street analysts, who perform an in-depth analysis of a company's fundamentals so they can highlight stocks with solid long-term growth potential. Here are three stocks favored by the Street's top pros, according to TipRanks, a platform that ranks analysts based on their past performance. However, the growth in YouTube advertising revenue slowed down in the quarter and missed analysts' expectations. Following the results, BMO Capital analyst Brian Pitz reiterated a buy rating on GOOGL stock with a price target of $222. (See ServiceNow Stock Charts on TipRanks)Travel + LeisureThis week's third stock is Travel + Leisure (TNL), a membership and leisure travel company.

Persons: Brian Pitz, Pitz, TipRanks, ServiceNow, Goldman Sachs, Kash Rangan, ServiceNow's, Ivan Feinseth, Feinseth, TNL Organizations: Wall Street, BMO Capital, BMO, YouTube, Tigress, Sports Illustrated Resorts Locations: TipRanks

And each finalist offers the newly minted Democratic Party leader a particular way to balance the ticket. Here’s how each could uniquely help the Democratic ticket — plus the potential drawbacks already getting attention. Andy BeshearNo current Democratic governor has won a redder state than Kentucky, where Beshear has won statewide three times. That appeal could help boost the Democratic ticket with working-class, independent and even some Republican voters in battleground states across the U.S. Tim WalzWalz has won Democratic plaudits for a string of progressive policy wins in his state.

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☆ Kamala Harris: Inside the final days of her vice presidential decision
▼ + stars: | 2024-08-03 | by ( Edward-Isaac Dovere | ) edition.cnn.com time to read: +10 min

The vice president likes to take her time with decisions. “This is a decision that is not just a campaign decision,” Transportation Secretary Pete Buttigieg said in an unrelated interview with CNN last week. “The vice president has a very deeply personal decision to make right now. Andy Beshear and several other governors over to her residence for what became a gripe session about the Biden campaign in February. Obama reminded his former vice president that they had not gotten along well at first.

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☆ Blue-collar entrepreneurs say it's getting harder to turn a profit as competition for 'sweaty startups' heats up
▼ + stars: | 2024-08-03 | by ( Noah Sheidlower | ) www.businessinsider.com time to read: +13 min

Sweaty startups are blue-collar businesses, often in unglamorous or laborious fields like septic services, car washes, or lawn care. It's what your grandparents would've just called a small business, but it was a tongue-in-cheek answer to the Silicon Valley-style entrepreneurship being glorified in culture at that time. Still, some small businesses look to private equity to scale their businesses in different markets, even if that means overhauling operations in some cases. "Small businesses partner with private-equity firms because they provide access to capital and organizational support to help companies grow," Drew Maloney, the council's president and CEO, told BI. Alejandro FlorezBoth of his parents were janitors, and when he was a senior in high school he started a small cleaning company that he grew by knocking on doors and cold-calling.

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☆ She hit it off with the guy she met at the bar on vacation. Then he sent her an unexpected text message
▼ + stars: | 2024-08-02 | by ( Francesca Street | ) edition.cnn.com time to read: +18 min

And then, on her second night in Rome, Skyler crossed paths with Giuseppe Morisani in a busy bar. As soon as he met Skyler, Giuseppe started daydreaming about showing her around his home region and – most importantly – introducing her to his mother. He just had one complaint: the lack of Calabrian olive oil. In time, this first spark of an idea became EXAU Olive Oil – a successful olive oil company operated by Giuseppe and Skyler. “I wouldn’t have started EXAU, our olive oil company, if we hadn’t met just that day… I just feel happy.

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☆ Biotech and more: Hold these growth stocks for the next 10 years, the pros say
▼ + stars: | 2024-08-02 | by ( Weizhen Tan | ) www.cnbc.com time to read: +5 min

Growth stocks have been volatile, with tech names going through wild swings in recent weeks. On the whole, growth stocks are up this year, although they recently fell slightly. What are some of such stocks that investors can buy and hold for the next 10 years? CNBC Pro asked fund managers and other investors who focus on growth stocks for some ideas. There are two segments in this business: original equipment and aftermarket, according to him.

Persons: Russell, TransDigm, Casey's, Janjigian Organizations: Nasdaq, . Federal Reserve, CNBC Pro, Waste Management, Republic Services Group, Carnegie Investment, Greenwich Wealth Management, U.S . Food, Drug Administration

Best Credit Cards for Excellent Credit of August 2024Compare the Top Credit Cards for Excellent CreditBest mid-tier travel card Chase Sapphire Preferred® Card Apply now lock icon An icon in the shape of lock. Best Credit Cards for Excellent Credit ReviewsConsumers with excellent credit have a lot of options when it comes to credit cards. The Bank of America® Premium Rewards® credit card isn't flashy, but it offers unique long-term value for those who prefer cash back credit card rewards and have a broader banking relationship with Bank of America. The Capital One Venture X Rewards Credit Card is Capital One's entry into the premium credit card market. Credit Cards for Excellent Credit Frequently Asked QuestionsWhat is the best credit card to get with an 800 credit score?

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☆ A Gen Zer quit a corporate job paying $94,000 to become a reseller and content creator: 'It's not somewhere I wanted to be for the next 40 years of my life'
▼ + stars: | 2024-08-02 | by ( Madison Hoff | ) www.businessinsider.com time to read: +6 min

She left the corporate grind earlier this year and turned her side gigs into a full-time job. Her last position before moving into full-time self-employment had a base salary of $94,000. Advertisement"I was at this job, wasn't totally happy with it, and I knew I had been making decent money doing my side hustles part-time," she said. "When I'm doing that, I'm like, oh, I couldn't be doing this right now if I was working my corporate job," she said. Have you left your corporate job, made a career change, or turned your side hustle into a full-time job?

Persons: —, Amber Smith, Smith, it's, I'm, wasn't, she's, I've, Taylor Swift Organizations: Service, Business, eBay Locations: Iowa, mhoff@businessinsider.com

The information for the following product(s) has been collected independently by Business Insider: Chase Freedom®, Chase Freedom Flex®, Chase Freedom Rise℠, Chase Freedom® Student credit card, Chase Slate®, Southwest Rapid Rewards® Premier Credit Card, United Club℠ Business Card, Marriott Bonvoy Bold® Credit Card, Marriott Bonvoy Boundless® Credit Card. If you have a Chase credit card, you may now be eligible for free unlimited deliveries and up to $20 off each month through 2027. DoorDash and Chase are expanding their partnership, which includes complimentary DashPass for most Chase credit cardholders. Now, if you have one of the Chase Sapphire cards, you can enjoy unlimited free deliveries until it's time to elect the next-next president. Which Chase credit cards are eligible?

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A score between 580 to 669 is considered a fair credit score while a score under 580 is considered a poor credit score. Free credit score check servicesWhile many of these services do charge money, some of the best credit monitoring services are free, such as Capital One CreditWise or Credit Karma. As the base on which your credit score is calculated, credit reports don't actually include your credit scores. Checking credit score frequently asked questionsWill checking my credit score lower it? Your credit reports do not show when you check your credit score, so the credit scoring algorithms have no way of knowing if you checked your credit score.

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☆ To woo investors, hedge funds are reviving a strategy left for dead post-crisis — supercharged index investing
▼ + stars: | 2024-08-01 | by ( Alex Morrell | ) www.businessinsider.com time to read: +12 min

Read previewFaced with higher rates and a daunting fundraising climate, hedge funds are wooing investors with a seemingly antithetical pitch: index investing with a twist. Hedge fund industry insiders are abuzz right now about "portable alpha," a blast-from-the-past strategy that's undergoing a revival. According to the Morgan Stanley white paper, it can take on a variety of forms, including "dedicated portable alpha funds, portable alpha share classes, portable alpha feeder funds and other solutions." Advertisement"It's a nice way of smuggling hedge funds into your portfolio if you're an allocator," said Jon Caplis, CEO of hedge fund research firm PivotalPath. He said much of the industry still hasn't woken up to the appetite for portable alpha solutions and the potential boon to hedge funds.

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☆ I fell in love with a charming town in Northern California. Once I finally moved there, I couldn't get away fast enough.
▼ + stars: | 2024-07-31 | by ( Jaime Stathis | ) www.businessinsider.com time to read: +6 min

Grass Valley, California, was one of those places for me. AdvertisementWhile Martin debated pros and cons, I quickly mapped Sacramento to Grass Valley — it was 56 miles. On a scouting trip, he agreed that Grass Valley seemed like a great place. But once we finally lived in the Northern California town, we realized we may have been better off just visiting. I lived in Grass Valley for two and a half years, and three years after moving away, I'm only in touch with a few people.

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Chase Bank is offering a $3,000 checking account bonus for its Private Client Checking account. The highest bank account bonus currently offered is from Chase Bank. Speak with a Private Client Banker to open your Chase Private Client Checking℠ account today. Other top checking account bonus offersIf Chase's checking account bonuses don't interest you, several other banks offer checking accounts with high bonuses. BMO Bank ReviewAxos Bank Rewards CheckingAxos Bank also has a up to $500 bonus for its Axos Bank Rewards Checking account.

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The information for the following product(s) has been collected independently by Business Insider: Alaska Airlines Visa Signature® credit card, Alaska Airlines Business Credit Card, Marriott Bonvoy Boundless® Credit Card, Marriott Bonvoy Bold® Credit Card, Marriott Bonvoy Bountiful™ Card. How to earn Alaska Airlines milesThere are two types of Alaska miles: Elite-qualifying miles and redeemable miles. Earn Alaska miles for car rentalsYou can opt-in to earn Alaska miles when you rent cars through Alamo, Avis, Budget, Dollar, Hertz, National, or Thrifty. Alaska Airlines Mileage Plan is a highly lucrative frequent flyer program even if you never actually fly on Alaska Airlines. Redeem Alaska miles for flights on partner airlinesUsing Alaska Airlines miles for award flights on partner airlines is perhaps the best way to use your Alaska miles.

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