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Sometimes, I've made my January mortgage payment in December to deduct the interest for that year. So heading into fall, I review my budget, income, and expenditures and target areas where I can cut back. Do an insurance reviewI check all insurance policies: homeowners insurance, renters insurance, car insurance (when I owned a car), and health. This is a great time to do a comprehensive insurance review. Bonus: Plan for an extra mortgage payment and charitable contributionsIf you can, plan to make your January mortgage payment in December.

Persons: I've, it's, TransUnion —, transpire, you'll Organizations: Service Locations: Wall, Silicon

"We were paying for it ourselves and I really did not want to go into debt for a wedding," Janet Counts previously told CNBC. For instance, Janet Counts financed her wedding last year on payment plans. "Even if we put it on a credit card, it was nice not to have to do any payment conversations on the wedding day." 2. Credit card rewards may be usefulSome credit cards offer rewards a couple can later use for their honeymoons. The average credit card interest rate is currently above 24%, as of Aug. 14, the highest since 2019, according to LendingTree.

Persons: Peter Dazeley, Jason Rhee, Janet, Brian Counts, Janet Counts, Rhee, Keira01 Organizations: Bank, Getty, Front Royal, CNBC, Istock Locations: Los Angeles, Front, Front Royal , Virginia

☆ Modern romance: falling in love with AI
▼ + stars: | 2023-08-13 | by ( Jennifer Korn | ) edition.cnn.com time to read: +9 min

AI is infiltrating the dating app space – sometimes in the form of fictional partners, sometimes as advisor, trainer, ghostwriter or matchmaker. You’re taking existing content, and you’re repurposing it to connect with somebody,” Dmitri Mirakyan, co-founder of AI dating conversation app YourMove.AI, told CNN. Founders and designers of these apps say people find starting and keeping conversations going the most challenging part of the process. Teaser.AI is a new stand-alone dating app from the makers of viral camera app Dispo, and it adds an unusual twist. These startups offer an array of AI potential matches, digital girlfriends and boyfriends that users can chat with.

Persons: New York CNN — Alexandra, “, he’s, Alexandra, Cyrano de Bergerac, Djordje Krstic, ” Dmitri Mirakyan, Kaspersky, ”, Mirakyan, ” Mirakyan, Delmaine, Teaser.AI, Daniel Liss, They’re, Aimm, Iris, Kevin Teman, ” Teman, COVID, Rita Popova, Mona Lisa, Nefertiti, Tanya Grypachevskaya, RomanticAI Organizations: New, New York CNN, CNN, AIs Locations: New York

☆ Electric Cadillac Escalade has 750 horsepower and can crab walk
▼ + stars: | 2023-08-09 | by ( Peter Valdes-Dapena | ) edition.cnn.com time to read: +6 min

CNN —The new all-electric Cadillac Escalade IQ shares virtually nothing with the boxy gas-powered Escalade, but it’s possibly the most important flag-bearer yet for the automaker’s transition to electric vehicles. So the new Escalade IQ has flashy light displays and electric motors able to produce a total of 750 horsepower. CadillacWhen it goes on sale next year, the Escalade IQ will be one of Cadillac’s most expensive models. Prices for the gas-powered Cadillac Escalade start at about $81,000, with the average one sold last year going for about $109,000 according to Edmunds.com. GM claims that the Cadillac Escalade IQ is the most aerodynamic large SUV the company has ever produced.

Persons: John Roth GM’s, Cadillac, ”, it’s, Mandi Damman Organizations: CNN, General Motors, GM, EV, Silverado EV, GMC, Hummer, Chevrolet Silverado, Insurance Institute for Highway Safety, Cadillac, GM’s Locations: Detroit, Hamtramck , Michigan

☆ Your Next Great Meal
▼ + stars: | 2023-08-05 | by ( Nikita Richardson | ) www.nytimes.com time to read: +1 min

If you’re the type of person, as I am, who likes to try new restaurants as much as possible, keeping up can be tough. “How do you keep up with all these restaurants?” is a question I get a lot from my fellow dining enthusiasts. My list has all the restaurants that I want to visit, organized by borough with descriptions of what they serve. I tick off restaurants as I try them, to great satisfaction. Location, location, locationI know a lot of professional and amateur diners who love to use the Saved feature on Google Maps.

Organizations: Google Locations: New York

☆ Jim Cramer: I used Apple's new Vision Pro headset — here's what it was like
▼ + stars: | 2023-07-14 | by ( Jim Cramer | ) www.cnbc.com time to read: +9 min

I saw a soccer match on the Vision Pro and I ducked when a ball came right at me. I would have had better seats with the Vision Pro, if Apple can work out that deal with NBA commissioner Adam Silver. Apple's new Vision Pro virtual reality headset is displayed during Apple's Worldwide Developers Conference (WWDC) at the Apple Park campus in Cupertino, California, on June 5, 2023. I saw a soccer match on the Vision Pro and I ducked when a ball came right at me. I would have had better seats with the Vision Pro, if Apple can work out that deal with NBA commissioner Adam Silver.

Persons: Taylor Swift's, Adam Silver, Apple, Jim Cramer's, Jim Cramer, Jim, Josh Edelson Organizations: Apple, Hollywood, Apple Watch, Vision, New York Knicks, NFL, CNBC, Apple's Worldwide, AFP, Getty Locations: Iceland, Cupertino , California

☆ India’s push to democratise credit tests limits
▼ + stars: | 2023-06-30 | by ( Shritama Bose | ) www.reuters.com time to read: +4 min

Yet barely half of them have active loans and only up to 10% have a credit card. That’s why the regulator is allowing the use of RuPay credit cards, the country’s low-cost answer to Mastercard (MA.N) and Visa (V.N), for UPI payments. Earlier, in June 2022, the central bank had allowed lenders to link RuPay credit cards to UPI accounts. HDFC Bank became the first private bank to go live on UPI with RuPay credit cards in February. Paytm tied up with SBI Cards and Payment Services in May to issue RuPay credit cards to its consumers via UPI, offering cashbacks on small-value payments.

Persons: It’s, Paytm, –, Bernstein, Una Galani, Pranav Kiran, Thomas Shum Organizations: Reuters, UPI, Google, Reuters Graphics Reuters, Mastercard, Visa, Merchants, HDFC Bank, Axis Bank, Kotak Mahindra Bank, Punjab National Bank, One97 Communications, Reserve Bank, Tiger, Uni, “, Reserve Bank of India, SBI Cards, Services, Thomson Locations: MUMBAI, India, Punjab

☆ A TikTok craze has people stealing dishes and glasses from restaurants, and it's revealing a long history of sticky-fingered diners
▼ + stars: | 2023-06-24 | by ( Yeji Jesse Lee | Nancy Luna | ) www.businessinsider.com time to read: +6 min

Restaurant owners say the trend shows just how often things go missing at their establishments. Restaurant owners told Insider that customers who deploy the five-finger discount have been around for as long as they can remember but TikTok has given people an opportunity to share their exploits. "I actually have to stock them in my apartment," he told Insider. Some restaurant owners are trying to look at the bright side. Occasionally, he said, he's even seen people post videos of house parties where, in the background, he can see partiers drinking out of one of his bar's glasses.

Persons: —, Chris Klemens, Klemens, , Andrew Rigie, Chapman, Wil Dee, Dee, Mathias Van Leyden, Loulou, he's, Petit, Dee hadn't, Van Leyden, they're, Sands, Fritz Brogan, Brogan Organizations: Service, New, Hospitality Alliance, Orange County, Food & Wine, Mission, Royal Sands Social Locations: New York, Orange, Southern California, Orange , California, Manhattan, Washington, DC

☆ The No. 1 mistake people make on dating profiles: It's 'one of the biggest red flags,' says chief dating expert
▼ + stars: | 2023-06-13 | by ( Aditi Shrikant | ) www.cnbc.com time to read: +1 min

When it comes to swiping through dating profiles, the balance between being discerning and openminded can be hard to strike. If you veto anyone who doesn't have what you consider to be a perfect profile, you'll never swipe right. "One of the biggest red flags for a dating profile is negativity," says Rachel DeAlto, chief dating expert at Match.com. 'You're setting yourself up for failure and heartache'What exactly does a negative profile look like? "You're setting yourself up for failure and some heartache if you're trying to connect with a person like that."

Persons: you'll, Rachel DeAlto, DeAlto

☆ 62% of student loan borrowers 'live for today' when it comes to spending—why that's a problem
▼ + stars: | 2023-06-12 | by ( Kamaron Mcnair | In Kamaronmcnair | ) www.cnbc.com time to read: +4 min

Student loan borrowers are younger, more impulsive and less financially secure than the rest of the U.S., a recent study from UBS found. Additionally, student loan borrowers earn less money on average, are younger and skew slightly female, UBS found. Impulsive spending could be hurting your financial goalsThe majority of student loan borrowers — 62% — follow a similar philosophy when it comes to spending, UBS found: "Live for today because tomorrow is so uncertain." The share of all adults who have more than six months' worth of expenses saved — about 34% — is more than double the share of student loan borrowers who say they have as much. Of course, student loan borrowers also have less money to work with, since a portion of their income goes to loans each month.

Persons: —, Tara Unverzagt, Unverzagt Organizations: UBS, —, CNBC Locations: U.S

☆ Why young workers are posting their before-and-after work routines on Tiktok — and why thousands are watching
▼ + stars: | 2023-06-07 | by ( Alexandra York | ) www.businessinsider.com time to read: +5 min

Content creators are sharing their routines before and after work on TikTok. Kakalecik has more than 16,000 followers on TikTok and is part of a growing number of 9-to-5 workers sharing their daily routines. But it's not just attractive to followers; creators find a sense of purpose when filming content, too. It's also for the content creators themselves. For Barbour, showing up on TikTok reminds him that there is more to life than work.

Persons: —, Jocelyn Kakalecik, swiping, TikTok, it's, Emmanuel Boateng Jr, Boateng, Kakalecik, Cameron Barbour, Barbour, It's, I've Organizations: Service, Productivity Locations: New York City, America

☆ The Best Credit Cards With No Annual Fee
▼ + stars: | 2023-05-27 | by ( ) www.wsj.com time to read: +11 min

To help you pick the right option for your needs, Buy Side from WSJ has identified the five best no annual fee cards. (See all our Best Rewards Credit Card picks.) Best for travelDiscover it® Miles learn more Base rewards rate: 1.5xBonus rewards: NoneSign-up bonus: Unlimited miles match after first 12 monthsAnnual fee: NoneAPR: 16.74% to 27.74%, variableForeign transaction fee: 0%Many of the top travel rewards cards come with an annual fee (see our Best Travel Credit Cards picks for proof). How we pickedTo pick Buy Side from WSJ’s Best No Annual Fee Credit Cards we looked at personal and business cards that were free to swipe and that offered the most generous cash back or points rewards. To find out more about how we chose credit cards—and to meet our panel of experts—you can also check out Buy Side from WSJ’s full best credit cards methodology.

☆ The Best Credit Cards with No Annual Fee
▼ + stars: | 2023-05-27 | by ( Kerri Anne Renzulli | ) www.wsj.com time to read: +11 min

To help you pick the right option for your needs, Buy Side from WSJ has identified the five best no annual fee cards. (See all our Best Rewards Credit Card picks.) Best for travelDiscover it® Miles learn more Base rewards rate: 1.5xBonus rewards: NoneSign-up bonus: Unlimited miles match after first 12 monthsAnnual fee: NoneAPR: 17.24% to 28.24%, variableForeign transaction fee: 0%Many of the top travel rewards cards come with an annual fee (see our Best Travel Credit Cards picks for proof). How we pickedTo pick Buy Side from WSJ’s Best No Annual Fee Credit Cards we looked at personal and business cards that were free to swipe and that offered the most generous cash back or points rewards. To find out more about how we chose credit cards—and to meet our panel of experts—you can also check out Buy Side from WSJ’s full best credit cards methodology.

Persons: Kerri Anne Renzulli, you’ll, That’s Organizations: Wells, Cash, Capital, Walmart, Netflix, Hulu, Entertainment, Visa, Mastercard, Chase Ink, Chase, Owners, Best Business, Card, of America, Bank of America Locations: Wells

Our experts answer readers' credit card questions and write unbiased product reviews (here's how we assess credit cards). I opened a new credit card for a single hotel stay largely because I knew it was the best card for my spending. Read Insider's guide to the best travel rewards credit cards. Let's look at how much value I gained simply by opening and using a Hilton credit card — and my earning potential had I not opened a Hilton credit card. What I would have earned without a Hilton credit cardHad I not opened a Hilton credit card, I'd have put my bill on one of my other credit cards.

☆ Amazon lets users buy alcohol with its palm-scanning payment system
▼ + stars: | 2023-05-22 | by ( Annie Palmer | In Annierpalmer | ) www.cnbc.com time to read: +1 min

Amazon is adding a feature to its palm-based payment system that will allow users to buy alcohol by swiping their hand. The system, called Amazon One, lets people pay for items by placing their palm over a scanning device. To purchase alcohol, users have to upload a government-issued ID on the Amazon One website, the company wrote in a blog post on Monday. To start, the Coors Field baseball stadium in Denver, Colorado, will let attendees use Amazon One to purchase alcohol, Amazon said. Amazon One and other payment systems that use biometric data have faced some pushback from privacy advocates.

☆ The Women Who Are Giving Dating Apps the Summer Off
▼ + stars: | 2023-05-08 | by ( Gina Cherelus | ) www.nytimes.com time to read: +1 min

“As much as I value companionship and relationships, I don’t know that I value it to the point of burnout.”As the days grow longer and the weather warmer, there are some who are opting out of dating apps — at least for now. Of nearly a dozen women interviewed, many said they were reclaiming the time they had spent in the cold winter months swiping through dating apps by prioritizing real-life encounters and focusing on having fun. Ms. Brown recently decided to take her dating life off the apps this summer and will be doing the things she loves, like going to food and wine festivals or on hikes. And if they’re not, they’re not.”Atoosa Moinzadeh is also on that wave. Ms. Moinzadeh, a 30-year-old Brooklyn resident, has been on dating apps for almost 10 years, after first downloading Tinder in 2014.

Compare the Chase Sapphire Reserve vs Amex Gold Chase Sapphire Reserve®American Express® Gold Card Chevron icon It indicates an expandable section or menu, or sometimes previous / next navigation options. With the Chase Sapphire Reserve, you'll earn Chase Ultimate Rewards® points, while with the Amex Gold Card you'll earn Amex Membership Rewards points. With that in mind, let's look at if the Amex Gold Card or the Chase Sapphire Reserve is best for you. Winner: Chase Sapphire ReserveAnnual FeeThe Chase Sapphire Reserve charges a $550 annual fee. But no matter which card you choose, both the Chase Sapphire Reserve and the Amex Gold Card offer hundreds of dollars in annual benefits.

Compare Chase Sapphire Preferred and Reserve Chase Sapphire Preferred® CardChase Sapphire Reserve® Chevron icon It indicates an expandable section or menu, or sometimes previous / next navigation options. with either the Chase Sapphire Preferred® Card or the Chase Sapphire Reserve®, you're covered for up to $10,000 per ticket. Travel Accident InsuranceOf all the travel insurance you'll hopefully never need, travel accident insurance must be at the top of the list. Both the Chase Sapphire Preferred® Card and Chase Sapphire Reserve® offer trip cancellation and interruption insurance. To use the travel insurance that comes with the Chase Sapphire Preferred® Card and Chase Sapphire Reserve®, all you need to do is pay for your travel with your card.

☆ Forget an MBA. This accountant has spent $250 to teach himself how to be a data analyst so he can get a $30,000 raise and buy a house.
▼ + stars: | 2023-04-25 | by ( Ethan Dodd | ) www.businessinsider.com time to read: +7 min

Jeremy Peer felt stuck at his $60,000 accounting salary but can't afford to go to business school. His SQL data analytics training was only $250, and he's working towards a free Microsoft certification. Now, he's taking online courses to land a higher-paying job in business analytics instead of shelling out tens of thousands of dollars on business school. He started listening to the Degree Free podcast and reading their newsletter and learned that Maruyama got hired after completing a Salesforce certification in just over a month. As an accountant for a Detroit-based distribution firm back in 2019, he saw firsthand the business need for analyzing large data sets.

☆ I left NYC for SC and I'll probably never go back. Here's what the slower pace of life taught me about work-life balance and happiness.
▼ + stars: | 2023-04-25 | by ( Michelle Gross | ) www.businessinsider.com time to read: +7 min

Michelle Gross and her husband left New York City after 14 years and moved to South Carolina. Here's what it's been like to leave New York City in search of a slower way of life in the South. I knew leaving New York City wouldn't be easyGross posing in front of a mini Statue of Liberty in NYC. Living and working remotely in the South has led to a better work-life balanceGross on her dock in Beaufort, South Carolina. Moving to a small town in the South Carolina Lowcountry meant I needed to alter my work and travel habits considerably.

☆ DeSantis’s Electability Pitch Wobbles, Despite G.O.P. Losses Under Trump
▼ + stars: | 2023-04-20 | by ( Shane Goldmacher | ) www.nytimes.com time to read: +1 min

Ron DeSantis knows the statistics by heart. “There is no substitute for victory,” Mr. DeSantis said last week during his first trip to New Hampshire in his still-undeclared presidential bid. He denounced the “culture of losing” that he said had engulfed Republicans in recent years, swiping at Donald J. Trump in all but name. “If the election of 2024 is a referendum on Joe Biden and his failed policies — and we provide a fresh vision for American renewal — Republicans will win the White House, the House and the U.S. Senate,” he told the crowd. “So we cannot get distracted, and we cannot afford to lose, because freedom is hanging in the balance.”Electability has emerged as one of the early pressure points in the 2024 Republican presidential primary.

☆ Bilt Rewards members can earn up to 8x points (effectively up to 13.2% back) at restaurants with the new Bilt Dining program
▼ + stars: | 2023-04-19 | by ( Joseph Hostetler | Jasmin Baron | Credit Cards Reporter | ) www.businessinsider.com time to read: +17 min

Bilt Dining is the new fastest way to earn Bilt Rewards points. Even transferable points currencies are breaking into the dining scene (programs like Capital One Dining and Chase Dining are relatively new), but no flexible rewards dining program is as easy to use as the latest creation by Bilt Rewards: Bilt Dining. Here's a quick look at what you can expect from Bilt Dining — and why it's a no-brainer for Bilt Rewards members, even if they don't have the Bilt Mastercard®. Apply nowBilt Mastercard® 4 /5 A five pointed star A five pointed star A five pointed star A five pointed star A five pointed star 4 out of 5 Stars $0 Annual Fee Intro offer N/A Rewards Earn 3X point on dining. Unfortunately, Bilt Dining is exempt from this — but you'll still earn double points on dining (6 points per dollar) when swiping your Bilt Mastercard®.

☆ 'Cash stuffing' is set to earn this 31-year-old TikToker $1 million this year — how it can help you get out of debt
▼ + stars: | 2023-04-16 | by ( Ryan Ermey | ) www.cnbc.com time to read: +2 min

If you've heard of "cash stuffing," there's a good chance it's because of Jasmine Taylor. In the first year of cash stuffing, she paid down $23,000 in student loans and wiped out $9,000 worth of medical and credit card debt. How cash stuffing can change your mindset around moneyThe cash stuffing method isn't new. When she and her husband tried cash budgeting for a year, "we couldn't believe how much we did not spend. How to budget with cash stuffing

☆ Starbucks new CEO wants senior leaders to work in stores. Every leader should follow suit.
▼ + stars: | 2023-04-10 | by ( Avery Hartmans | ) www.businessinsider.com time to read: +7 min

Former Walmart CEO Greg Foran used to visit stores every week to observe factors like customer service, inventory levels, in-stock levels, and assortment. Fewer retail CEOs got their start working in storesLowe's CEO Marvin Ellison started his retail career as a Target security guard. Others went through management-training programs operated by department stores. As department stores started facing stiff competition from specialty stores, they scrambled to cut costs. These days, finding a qualified retail CEO seems like one of the hardest jobs to fill, with many companies looking outside the retail industry.

☆ Starbucks' new CEO plans to spend time working at his company's coffee shops. Here's why every retail leader should take a shift on the sales floor.
▼ + stars: | 2023-04-03 | by ( Avery Hartmans | ) www.businessinsider.com time to read: +7 min

Former Walmart CEO Greg Foran used to visit stores every week to observe factors like customer service, inventory levels, in-stock levels, and assortment. Fewer retail CEOs got their start working in storesLowe's CEO Marvin Ellison started his retail career as a Target security guard. David Swanson/ReutersOf course, times have changed — in the past, many retail CEOs got their start at the store level. As department stores started facing stiff competition from specialty stores, they scrambled to cut costs. These days, finding a qualified retail CEO seems like one of the hardest jobs to fill, with many companies looking outside the retail industry.

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