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☆ Stocked up on short-term T-bills? Here’s why it might be time to buy longer-term bonds
▼ + stars: | 2023-05-26 | by ( Darla Mercado | Cfp | ) www.cnbc.com time to read: +4 min

Short-term Treasury bills have garnered investors' attention as yields pop amid the Federal Reserve's rate hiking campaign and debt ceiling tensions in Washington. This doesn't necessarily mean it's time to cut bait on your short-term bond holdings, however. Issues with longer duration are likely to see greater price fluctuation in response to changes in interest rates. The inverted yield curve also resulted in higher yields for short-term issues, but sharp price declines. Some investors built ladders — that is, a portfolio of bonds with different maturities — to take advantage of those higher yields.

Persons: Paul Olmsted, Bonds, Olmsted, we've, Brenna McLoughlin, Kevin Brady, Callie Cox, Cox Organizations: Morningstar, Treasury, Wealthstream Advisors, Wealthspire Advisors Locations: Washington

☆ The Metaverse, Zuckerber's Tech Obession, Is Officially Dead. ChatGPT Killed It.
▼ + stars: | 2023-05-08 | by ( Ed Zitron | ) www.businessinsider.com time to read: +11 min

The Metaverse, the once-buzzy technology that promised to allow users to hang out awkwardly in a disorientating video-game-like world, has died after being abandoned by the business world. After a much-heralded debut, the Metaverse became the obsession of the tech world and a quick hack to win over Wall Street investors. Once the tech industry turned to a new, more promising trend — generative AI — the fate of the Metaverse was sealed. But the short life and ignominious death of the Metaverse offers a glaring indictment of the tech industry that birthed it. Roblox, an online game platform that has existed since 2004, rode the Metaverse hype wave to an initial public offering and a $41 billion valuation.

☆ Where's Trump? Not in either Manhattan courtrooms where his hush-money and rape cases awaited him Thursday
▼ + stars: | 2023-05-04 | by ( Laura Italiano | Michelle Mark | ) www.businessinsider.com time to read: +5 min

Trump golfed in Ireland rather than attend two significant Manhattan court cases docketed Thursday. He continued to skip the E. Jean Carroll rape-defamation case now wrapping in federal court. "I will probably attend," he told reporters of the Carroll trial. When Irish reporters asked Trump why he wasn't attending his Manhattan civil trial, he responded, "Because we have a longstanding agreement to come here." When one reporter asked whether he was showing "disrespect" to the court, Trump walked away.

☆ Inside the Wild World of Celebrity Keynote Speakers: Drugs, Alcohol
▼ + stars: | 2023-04-23 | by ( David Kushner | ) www.businessinsider.com time to read: +31 min

"I never saw myself as a speaker, let alone a motivational speaker," Leonard tells me while his assistant irons his jeans. 'When I ramble," Hunter told me, "hit me in the leg!" Every plane had been grounded, including the one stuck on the tarmac with an increasingly inebriated Hunter Thompson trapped inside. But by far the most all-consuming task was booking gigs for Hunter Thompson. Just before a debate with G. Gordon Liddy at Brown University, Hunter demanded that Betsy Berg, whom I now worked alongside at GTN, score him some crystal meth.

☆ Artificial intelligence is a $38 billion revenue opportunity for retailers. Here's how to play the trend
▼ + stars: | 2023-04-22 | by ( Michelle Fox | ) www.cnbc.com time to read: +15 min

Morgan Stanley estimates that in 2022, only 23% of the $4.3 trillion of U.S adjusted retail spending was online. Add in AI, which can drive better shopper experiences or better conversion, it could bump to 9% or possibly 10% CAGR, he said. Eventually, AI can help retailers pitch tailored products to each potential customer based on their prior history. You might see it in the member services experience in having a better opportunity to get customer support," he said. As retailers move ahead in their plans to integrate AI into their business, some will build the capabilities.

☆ Expecting a tax refund? This IRS tool will tell you when it's coming
▼ + stars: | 2023-04-20 | by ( Kamaron Mcnair | ) www.cnbc.com time to read: +2 min

The IRS has a simple online tool, available at IRS.gov/refunds , that allows you to track the status of your refund payment. With the average tax refund over $2,800 as of April 7, according to the Internal Revenue Service (IRS), you might be wondering when that check will hit your account or mailbox. Tax season 2022 is officially over — your tax return or extension request was due on April 18. You can access the IRS refund tracker by visiting the IRS website on your desktop computer or by using the IRS2Go mobile app on your phone. Check out: Do you need to file a federal tax return?

☆ Should investors buy regional bank stocks? A bull and a bear weigh in — and share 3 top picks
▼ + stars: | 2023-04-17 | by ( Weizhen Tan | ) www.cnbc.com time to read: +5 min

A bull and a bear on U.S. regional banks faced off on CNBC's " Street Signs Asia " on Thursday and shared their stock picks. 'Not the environment' for regional banks It's "not the environment" for regional banks right now, said Brian Stutland, portfolio manager at Equity Armor Investments. Stock picks For investors still keen on regional bank stocks, Marinac said his top two picks are Fifth Third Bancorp and First Citizens . First Citizens announced in late March that it will buy over Silicon Valley Bank's deposits and loans. He highlighted "the fact that [regional bank] stocks are down 40% when you've had earnings down about 5%.

CD rates are incredible right now, but you should think about your goals and how a CD fits into them. See Insider's list of the best CD rates »Rates vary pretty significantly depending on where you lookFor years, we experienced rock bottom interest rates. 5.00% Minimum Deposit Chevron icon It indicates an expandable section or menu, or sometimes previous / next navigation options. $500 Annual Percentage Yield Chevron icon It indicates an expandable section or menu, or sometimes previous / next navigation options. Insider's Featured Savings Accounts UFB Premier SavingsQuontic High Yield Savings AccountCIT Bank Savings Connect Account Chevron icon It indicates an expandable section or menu, or sometimes previous / next navigation options.

☆ Russian travelers say they fear one question: ‘Where are you from?’
▼ + stars: | 2023-04-10 | by ( Monica Pitrelli | ) www.cnbc.com time to read: +7 min

Another Russian traveler, Lana, also asked that we not use her full name over fears of retaliation from Russian authorities. "Back then, when you say 'I'm from Russia,' the first thing people say is vodka, bears, Matryoshka [dolls], and all that innocent stuff," she said. Anna said telling new people she's Russian has "always been tricky, to be honest, even before the war." Source: Julia AzarovaSince leaving Russia, Azarova said she's not had any confrontations over her nationality. Now she's now no longer afraid to say she's Russian, she said, namely because she can't do anything about it.

☆ Remove these 8 filler words from your resume right now: They're 'taking up extra space'
▼ + stars: | 2023-04-06 | by ( Gili Malinsky | ) www.cnbc.com time to read: +3 min

Resume writing is an art — or, depending on who you ask, it's a science. And there are certain words and phrases that jobseekers should avoid, like filler words. Nearly half, 44% of resumes contain 10 or more filler words, according to resume writing site Kickresume, which recently analyzed more than 170,000 resumes written in 2022. If you're diving into creating your own resume, here are eight filler words to avoid. If you're using powerful action verbs like "improved" and supporting them with the numerical scope of your achievements, says Goredema, "you can't lose."

In 2023, people typically tip anywhere from 15% to 25%. Consumers on average said they tipped more than 21%, according to a Creditcards.com survey in May 2022. During the height of those days, consumers started tipping for things they never had before to service industry workers. In February 2020, just before the pandemic began, in food and drink specifically, the share of remote transactions when tipping was offered was 43.4%, according to Square . But, with customers tipping more, where's the tipping point?

[1/7] FILE PHOTO-Dmytro Zilko, a soldier and a patient of the clinic exercises on a new prosthesis with rehabilitation specialist Maria in a prosthetics clinic in Kyiv, Ukraine, March 9, 2023. "Unfortunately, the number of patients has increased significantly," said Andrii Ovcharenko, who works with a team of medics and technicians at the "Without Limits" prosthetics clinic, one of almost 80 now operating in Ukraine. On a recent morning, Ovcharenko's Kyiv clinic assessed two soldiers for artificial legs and adjusted the new limb of a third. U.S. Army General Mark Milley estimated in November at least 100,000 Russian military casualties - killed or wounded, with "probably" the same for Ukraine. It plans to expand, depending on how the war unfolds but is not sure where to open new clinics.

☆ Tech Companies Are Ruining Their Apps, Websites, Internet
▼ + stars: | 2023-03-27 | by ( Ed Zitron | ) www.businessinsider.com time to read: +13 min

Google, Amazon, Meta, and other tech companies have monetized confusion, constantly testing how much they can interfere with and manipulate users. Abandoning the core productIn the 2000s and early 2010s, tech companies actually produced new, interesting products. This fueled Silicon Valley's explosive growth: Companies saw their valuations soar, revenue growth was exponential, and new users were joining by the boatload. There are ways to integrate new technology into a core product that doesn't end in disaster. Netflix was able to iterate on their core product — letting people watch movies — in a way that actually made that experience better.

☆ Rio Tinto data vendor GoAnywhere's possible breach spotted in Jan-end
▼ + stars: | 2023-03-24 | by ( ) www.reuters.com time to read: +1 min

March 24 (Reuters) - U.S. cybersecurity firm Fortra said suspicious activity was identified within its GoAnywhere software nearly two months ago, a day after Rio Tinto (RIO.AX) in a staff memo said personal data of some of its Australian employees may have been stolen. "We immediately took multiple steps to address this, including implementing a temporary outage of this service to prevent any further unauthorized activity." Fortra declined to comment on specific customers when asked about Rio Tinto, but said it was notifying potentially affected customers who may have been impacted and coordinating with the U.S.' Cybersecurity and Infrastructure Security Agency. Over the past few weeks, a host of global firms and government institutions have reported cybersecurity incidents linked to GoAnywhere, a vendor providing data transfer services and owned by Minnesota-based Fortra. Reporting by Sameer Manekar in Bengaluru; Editing by Rashmi AichOur Standards: The Thomson Reuters Trust Principles.

☆ TikTok's potential buyers
▼ + stars: | 2023-03-18 | by ( Hallam Bullock | ) www.businessinsider.com time to read: +4 min

Analysts estimate the price tag for TikTok's US assets could fall anywhere between $40 billion and $100 billion. ": Married couple who both worked for Silicon Valley grieved after its collapse. Peter Thiel said he had $50 million in a personal account at Silicon Valley Bank when it collapsed. Silicon Valley Bank employees react to the bank's collapse Getty ImagesFrom our tech analysis team:9. Silicon Valley Bank's meltdown shows that tech's elites need the government after all.

☆ Over KFC on 'Trump Force One,' Trump says that Ron DeSantis would be working at 'a law firm or maybe a Pizza Hut' without his initial support
▼ + stars: | 2023-03-17 | by ( Azmi Haroun | ) www.businessinsider.com time to read: +2 min

After a campaign pit stop in Davenport, Iowa, Donald Trump took another dig at Ron DeSantis. Trump found a new way to diss the Florida Governor aboard his Boeing 757, "Trump Force One." Trump joked that DeSantis would be working at Pizza Hut without his initial backing, per Bloomberg. Schwartz, Schwartz, Schwartz, and Schwartz. "Remember, this Ron DeSanctimonious would be right now working probably at a law firm or maybe a Pizza Hut," Trump told reporters, according to the report.

☆ Main Street investors pressure SEC, confront Wall Street on stock plan
▼ + stars: | 2023-03-10 | by ( John Mccrank | ) www.reuters.com time to read: +4 min

NEW YORK, March 10 (Reuters) - Main Street investors are facing off against Wall Street in an attempt to sway the U.S. Securities and Exchange Commission in its proposed revamp of stock trading. The collective voice of individual investors has grown as their numbers surged, a lasting legacy from the so-called "meme stock" saga of early 2021. "A lot of folks are angry," said Dave Lauer, cofounder of We The Investors, a retail investor-focused advocacy group. Individual investors jumped into stock trading after big retail brokers eliminated commissions in late 2019. With weeks to go until the March 31 deadline for comment letters on the SEC proposals, Lauer said he was just starting his organization's comment letter campaign.

☆ 2 college friends created energy gum and mints that got the attention of Kevin O'Leary and Robert Herjavec on 'Shark Tank.' They turned down the offers and still built a 7-figure business while workin
▼ + stars: | 2023-03-02 | by ( Kathleen Elkins | ) www.businessinsider.com time to read: +9 min

College friends Kent Yoshimura and Ryan Chen came up with the idea of making caffeinated gum in 2013. "Shark Tank" stars Robert Herjavec and Kevin O'Leary both wanted a piece of the company when the co-founders entered the tank three years ago. Yoshimura and Chen came up with the idea of creating energy gum and mints on a 2013 scuba diving trip. Courtesy of Kent Yoshimura and Ryan ChenIt was on a scuba diving trip in 2013 when the friends thought about creating an energy product more approachable than pills. Turning down a $1 million deal from Robert Herjavec on 'Shark Tank'In 2019, Yoshimura and Chen got a casting call from the hit business reality TV show "Shark Tank."

☆ Stocks shrug off rates risk as U.S. consumers spend
▼ + stars: | 2023-02-16 | by ( Tom Westbrook | ) www.reuters.com time to read: +4 min

Equities - with the Nasdaq (.IXIC) up 15% so far this year - are clinging to the positives, while in interest rate markets investors are quickly ditching hopes for cuts later in 2023. Two-year Treasury yields , which also track short-term interest rate expectations, hit their highest since November at 4.703% overnight. S&P 500 futures rose 0.2%. Elsewhere the repricing of the interest rates outlook is putting an end to a couple months of selling of the dollar in currency markets. The U.S. dollar index is eying a third weekly gain in a row - the longest streak since September, when the index was galloping towards a 20-year high.

☆ Millions of Americans are about to be forced to cut up to $258 a month out of their grocery budgets as emergency food stamps suddenly end in March
▼ + stars: | 2023-02-10 | by ( Juliana Kaplan | Madison Hoff | ) www.businessinsider.com time to read: +5 min

Come March, millions of Americans will see their SNAP benefits drop drastically, some by over $200. As seen in the map, around 30 states and Washington, DC, would be affected by the abrupt cutoff of SNAP benefits. Based on figures from FRAC, 393,341 households in Alabama for instance would receive emergency allotments of SNAP in February 2023. Now, Plata-Nino said, states are scrambling to get the word out to residents that their benefits are being dramatically reduced. Are you worried about your SNAP benefits shrinking?

Here are the five biggest myths around tax refunds that tax experts say are important to know this tax season. Editor's Rating 4.6/5 A five pointed star A five pointed star A five pointed star A five pointed star A five pointed star Editor's Rating 3.7/5 A five pointed star A five pointed star A five pointed star A five pointed star A five pointed star Editor's Rating 4.5/5 A five pointed star A five pointed star A five pointed star A five pointed star A five pointed star Learn more On Tax Slayer's website Learn more On Liberty Tax's website Learn more On H&R Block's websiteMyth No. 1: Calling the IRS or visiting their office can speed up your refundAfter you file your taxes, you might find yourself eager for your tax refund check. 3: Getting a large tax refund is the goalWhile it might be a nice feeling to receive a hefty tax refund, CPA Keeyon Upkins says it shouldn't be your ultimate goal as a taxpayer. 5: Tax refunds receive interestIf your tax refund is sent to you in a timely manner, you might think you're owed interest on that payment.

☆ Blame the CEO for Tech Layoffs at Google, Facebook, Salesforce, Amazon
▼ + stars: | 2023-02-06 | by ( Ed Zitron | ) www.businessinsider.com time to read: +10 min

CEOs made mistakes, workers bear the bruntIn their layoff announcements, pretty much every tech company placed the blame for the cuts on the economy. While they may protect the CEO's reputation or placate investors, layoffs are immensely damaging for workers, even well-paid tech employees. With great power comes no responsibilityThe blame-shifting of these tech companies and their CEOs is not unprecedented, or even that uncommon. CEO pay skyrocketed by 1,460% from 1978 to 2021, and the ratio of average-worker pay to CEO pay ballooned from 20-to-1 in 1965 to 399-to-1 in 2021. Instead, tech CEOs have passed the pain off to people who in many cases were performing well in their roles.

☆ The childcare shortage led one new mom to try content creation on Instagram and TikTok to help pay the bills
▼ + stars: | 2023-01-18 | by ( Jacob Zinkula | ) www.businessinsider.com time to read: +6 min

She says mothers should get on daycare waitlists "the moment you find out you're pregnant." She's been stuck on daycare waitlists and been unable to find a nanny, she told Insider, which has forced her to cut back her hours as a dental assistant. Finding childcare is "just not possible" right nowFour months before her now-six-month-old daughter was born, Clancy says she got on three daycare waitlists. While she'd love to pursue content creation full-time, she says it's "just not possible" right now due to her daughter's childcare needs. She's still on three daycare waitlists, and while she's looked for a nanny, she says "literally no one is responding."

☆ My Nickelodeon show 'Ned's Declassified School Survival Guide' was the high-point of my career at only 15. I'm 31 now and still trying to figure out Hollywood and adulting.
▼ + stars: | 2023-01-17 | by ( Eboni Boykin-Patterson | ) www.businessinsider.com time to read: +6 min

Devon Werkheiser was the star of Nickelodeon's "Ned's Declassified School Survival Guide" in 2004. A version of "Ned's" in high school was pitched (our show was specifically about middle school) to Nickelodeon, but they passed on it. When I started going in for more dramatic roles on bigger movies and shows, I'd never be right for the part. The next level I'd been trying to get to career-wise wasn't happening, and then my personal life wasn't a walk in the park either. or "Where's 'Ned's' guide to adulting?"

☆ Biden flubbed the name of Martin Luther King Jr.'s daughter-in-law while singing 'Happy Birthday' to her onstage
▼ + stars: | 2023-01-16 | by ( Morgan Mcfall-Johnsen | ) www.businessinsider.com time to read: +3 min

President Joe Biden sang "Happy Birthday" to Martin Luther King Jr.'s daughter-in-law on Monday. Arndrea Waters King was attending the National Action Network's Annual MLK breakfast alongside her husband, Martin Luther King III, on Monday. "It's an honor to spend King holiday with the National Action Network and with the King family," Biden said. When it's somebody's birthday, you sing 'Happy Birthday.' Arndrea Waters King speaks before the start of a Peace Walk to urge Democrats to pass a law protecting voting rights, during Martin Luther King Jr. Day in 2022.

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