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Mortgage ratesHousing affordability has been a major issue due in part to a sharp rise in mortgage rates since the pandemic. Trump has said he'll bring down mortgage rates — even though 15- and 30-year mortgage rates are fixed, and tied to Treasury yields and the economy. Mortgage rates are unlikely to fall significantly, given the current climate, explained Jacob Channel, senior economist at LendingTree. Federal student loan rates are fixed, so most borrowers won't be immediately affected. But refinancing a federal loan into a private student loan will forgo the safety nets that come with federal loans, such as deferments, forbearances, income-driven repayment and loan forgiveness and discharge options.
Persons: Joshua Roberts, Matt Schulz, Trump, Jessica Caldwell, Edmunds, Trump's, Caldwell, Michele Raneri, Jacob Channel, Mark Kantrowitz Organizations: Federal, Reuters, Auto, Fed, Treasury, TransUnion, Mortgage, Association . Locations: Washington ,, Edmunds, U.S
Democrats called for a full party reckoning on Wednesday, as they attempted to pick up the pieces of their shattered organization a day after Vice President Kamala Harris’ loss to former President Donald Trump. Sen. Bernie Sanders, I-Vt., put out a statement blasting "big money interests and well-paid consultants who control the Democratic Party." "It should come as no great surprise that a Democratic Party which has abandoned working class people would find that the working class has abandoned them," he said Wednesday. Brendan Smialowski / AFP via Getty Images“People needed to pick who was going to go after him,” the Harris ally said of prosecutors and Democrats. One Harris aide called for more diversity among decision-makers, pointing to a far too-white leadership makeup of Harris’ campaign and Biden’s former campaign.
Persons: Kamala Harris ’, Donald Trump, Joe Biden’s, It’s, , Nikki Budzinski, Sen, Bernie Sanders, Biden, Harris, Obama, , impeaching, Brendan Smialowski, can’t, That’s, Trump, They’ve, Jen O’Malley Dillon, O’Malley Dillon, weren’t, prepping Harris, , ’ ”, O'Malley Dillon, Harris ’, Sheila Nix, Julie Chavez Rodriguez, Cedric Richmond, Vermont Sen, Peter Welch, , Welch, James Carville, Josh Shapiro, Gretchen Whitmer, JB Pritzker, Adam Jentleson, we’ve, what’s, ” Wade Randlett, “ Trump, Joe Biden, Joe, We’ve Organizations: Republicans, Trump, Illinois Democrat, Democratic Party, Democratic, Biden, Howard University, Wednesday, Getty, Democrat, Keystone Pipeline, America, Longtime, longtime Democratic Locations: Illinois, Trump, AFP, Vermont, Pennsylvania, Michigan, California
Minimal, in the city of Taichung, is the world’s first and only ice cream establishment to receive a Michelin star. One thing was certain — he needed to build his own ice cream shop, a move his colleagues at Sur- fully supported. “Similar to ice cream, it goes through a very complex calculation and planning process to obtain such a state and taste.”Minimal's takeaway ice cream shop sits on the ground floor. MINIMALOn the ground floor is a takeaway ice cream shop offering six whimsical flavors that are continuously updated. “I hope that with Minimal, grown-ups can rediscover the joy of eating ice again – as if it was their first ice cream experience.”Minimal, No.
Persons: , , Wan, Arvin Wan, Angelica morii, Ginger, Arvin Won, ” Wan, qing bing Organizations: CNN, Michelin, Lane Locations: Taichung, Taiwan, Sur, Roselle, Cream, Wan, Meicun Rd, West District, Taichung City
Aimee Smale started her fashion brand Odd Muse four years ago, and it is now a $20 million business. AdvertisementThis as-told-to essay is based on a conversation with Aimee Smale, 27, the founder of Odd Muse, who lives in London. At 27, I own a multimillion-dollar fashion brand, Odd Muse, and seem to be living the dream. AdvertisementI started Odd Muse at 22 years old. AdvertisementOn TikTok, I've always been honest with the Odd Muse community.
Persons: Aimee Smale, Smale, , Odd Muse, Muse, it's, I've, Steven Bartlett, he's Organizations: Service, BBC Locations: London, ASOS
She got her first credit card as a freshman to build up her credit score and kept a strict budget. Griffin now uses her AmEx cards to earn points for travel costs and flew to Japan for free. I'd marked all the due dates in my calendar, and I was never late for a credit card payment. AdvertisementIn addition to all the benefits I've received when traveling, my credit cards helped me raise my credit score to 755. I never stop learning about financeI think college students should consider getting a student credit card with no fee.
Persons: Skylar Griffin, Griffin, , I'd, I've, I'm, Amex isn't Organizations: Service, Columbus State University, Bank of America, Marriott, Hilton, Hertz, Rentals, Business, of America Locations: Japan, Georgia, New York, Bahamas, Japan , New York, Miami
Editor’s Note: CNN’s 5 Things newsletter is your one-stop shop for the latest headlines and fascinating stories to start and end your busy day. The day after a high-stakes presidential election usually brings elation on one side and dejection for the other. Now’s the time to take a breather and practice a little self-care. Today, the suburban New York dad has dedicated his life — and developed a video game — to help save other young people from overdoses. 3️⃣ Poignant postcard: In 1912, a first-class passenger on the Titanic scrawled a message in pencil to someone back home in England.
Persons: ake, ike, rance, riends, tim, Tod, Coll, egon, Georg, Richard Locations: ife, nsw, Ohio
I didn't want to be bouncing checks and living paycheck to paycheck, but I didn't know a way out. AdvertisementNow, I'm a millionaire, and I have to take money into consideration when parenting my kids. I buy my kids cars but save the flashy vehicles for meI want all my kids to earn the things they have. I told him that I love him, but there's no way I'm spending $22,000 on a baseball game. Admittedly, we have a long driveway, but there's no way I'm buying him a golf cart.
Persons: John Wetmore, He's, , didn't, I'd, I'm, I've, they've, Mercedes Organizations: Force, Service, Little, Ohio State University, GMC
In Missouri, voters opted to raise the minimum wage. Related VideoMissouriIn Missouri, voters have opted to raise the state's minimum wage to $15 by 2026. His opponent, Vice President Kamala Harris, has pledged support for raising the federal minimum wage from $7.25 to $15 an hour. MassachusettsIn Massachusetts, tipped workers won't see their pay slowly rise to meet the state's minimum wage. Massachusetts tipped workers would have had their hourly paychecks shake out to 64% of the state's minimum wage in addition to tips.
Persons: , Donald Trump, Kamala Harris, David Burmeister, Louis, We've Organizations: Workers, Service, New York Times, Missouri, Midwest Pasta Co, Employees, The New York Times Locations: Alaska , California , Massachusetts, Missouri, — Massachusetts, California, Alaska, Massachusetts, Arizona, , Massachusetts, St, Arizona In Arizona
As the central bank lowers its benchmark rate, mortgage rates are expected to go down. See more mortgage rates on Zillow Real Estate on ZillowMortgage CalculatorUse our free mortgage calculator to see how today's mortgage rates would impact your monthly payments. 30-Year Mortgage Rates TodayAverage 30-year mortgage rates are hovering in the mid-6% range today, according to Zillow data. 15-Year Mortgage Rates TodayAverage 15-year mortgage rates are in the high 5% range, according to Zillow data. 5-Year Mortgage Rate TrendsHere's how 30-year and 15-year mortgage rates have trended over the last five years, according to Freddie Mac data.
Persons: they've, Jerome Powell's, you'll, Freddie Mac, it's, They'll Organizations: Zillow, Fed Locations: Chevron
With his comeback victory over Vice President Kamala Harris in the books, Trump can rest easy. But he has not yet escaped from liability in a handful of high-profile civil cases, where he has been ordered to pay combined penalties of over $570 million. "In theory, there should be no effect" from Trump's election on those civil matters, former federal prosecutor Neama Rahmani told CNBC. "It's well established that while a sitting president can't be prosecuted, he can face civil cases," Rahmani said. A state-level criminal case in Georgia, alleging Trump illegally meddled in that state's 2020 election, is also on ice.
Persons: Donald Trump, Donald Trump's, Kamala Harris, Trump, Neama Rahmani, Rahmani, Jack Smith, Smith's, Smith, Aileen Cannon, Fani Willis, Willis, Stormy Daniels Organizations: Convention Center, CNBC, of Justice, D.C, Trump, DOJ, Fulton Locations: Palm Beach, West Palm Beach , Florida, U.S, Smith's Washington, Florida, Georgia, Fulton County, York
Since it is a state case, Trump does not have the power to pardon himself next year after he is sworn into office. Federal cases in DC and FloridaTrump’s election victory is poised to have the greatest impact on the two federal criminal cases brought against him by Smith in Washington, DC, and Florida. Dismissing Smith would allow the Department of Justice and Trump’s attorney general to move to drop the charges against him and end the court cases. In the DC case, Smith charged Trump over his efforts to overturn his election loss in 2020. In September, state and federal appeals courts in New York heard arguments for two of Trump’s civil appeals.
Persons: Donald Trump, Trump, Jack Smith, , Jessica Levinson, Stormy Daniels, Judge Juan Merchan, Merchan, that’s, Smith, ” Trump, Hugh Hewitt, Jack Smith ”, , Aileen Cannon, General Merrick Garland’s, Fani Willis, Willis, Will Lanzoni, Trump’s, Jean Carroll, Carroll, Bill Clinton Organizations: CNN, Loyola Law School, Department of Justice, Justice Department’s, Trump, White, Fulton, Democrat, Trump's, Georgia, Capitol, New, Democratic Locations: New York, York, DC, Florida, Washington ,, Georgia, Fulton County, Fulton, Atlanta , Georgia
In Missouri, voters opted to raise the minimum wage. In Massachusetts, workers who rely on tips could see a bump in their base pay, while minimum wage workers in three other states could see a broad pay bump. Related VideoMissouriIn Missouri, voters have opted to raise the state's minimum wage to $15 by 2026. His opponent, Vice President Kamala Harris, has pledged support for raising the federal minimum wage from $7.25 to $15 an hour. "Raising the minimum wage will increase people's ability to shop at our business and local businesses across Missouri.
Persons: , Donald Trump, Kamala Harris, David Burmeister, Louis, We've Organizations: Workers, Service, New York Times, Missouri, Midwest Pasta Co, Employees Locations: Alaska , California , Massachusetts, Missouri, — Massachusetts, California, Alaska, Massachusetts, Arizona, St
SKIP AHEAD 6 tips that can help you prevent rips in tights | What to do if you notice a small rip in your tights | Tights that are less prone to ripping6 tips to prevent rips in tightsThe same way that keeping leather in good shape requires certain practices, as does learning how to wash sweaters to prevent damage, how you care for your tights will be a huge factor that impacts their longevity. According to experts we spoke with, the following tips can help prevent rips in your tights. “Look for a high denier count — ideally something between 60 and 100 denier.” Not familiar with a denier count? These tights have a denier count of 80, meaning they’re on the thicker side and less likely to snag, according to our experts. For this story, she interviewed textile and clothing experts on how to prevent rips in your tights and researched highly rated options with high denier counts.
Persons: , Simon Elliott, , Elliott, you’ll, Grace Thompson, Thompson, They’re, Clifton, Bethany Heitman, TikTok Organizations: XXL, Hanes, NBC, Facebook, Twitter
My grandparents' vacation cabin in Lake Tahoe is the stuff of legend. My grandparents' little house in South Lake Tahoe, which they bought for $113,000 in 1984, quickly became a haven for my family. Framers of the Tahoe tax measure took inspiration from Berkeley, California, which adopted a vacancy tax this year. Since the city of South Lake Tahoe was incorporated in 1965, it's been populated by a healthy mix of year-round and seasonal residents. As of October 2024, the median sales price for homes in South Lake Tahoe was $750,000, according to Realtor.com.
Persons: George Rose, it's, Amelia Richmond, , Steve Teshara, Teshara, Frederic Lewis, Sherri Maslyar, Jeff Cowen, we'd, Amanda Yen, I'd Organizations: of Commerce, South Tahoe Association of Realtors, BI, Colorado and, Survey, Tahoe Chamber of Commerce, Realtors ' Association, Business, Tahoe, Planning Association Locations: Tahoe, South Lake, Berkeley , California, Oahu, Colorado, Aspen, Vail, Breckenridge, Bay, Colorado and Utah, Park City , Utah, Richmond, Emerald
Overview of plasma donationDonating plasma isn't the same thing as donating blood. How to earn money donating plasmaPlasma donation compensationDonating plasma can be a relatively low-effort side hustle. Using plasma donation money toward savings goalsAfter buying the phone, we put the money toward saving for a car. My husband and I finally bought a car, and it was a huge relief to have an extra $1,000 for the down payment thanks to donating plasma. Donating plasma FAQsHow much can I make from donating plasma?
Persons: , Laura Grace Tarpley, Penny Hoarder, Read Organizations: Finance, National, Real, Business Insider
CNN —Irish actor Barry Keoghan has hit back at “disgusting” online trolls who comment on his parenting, saying they “sicken” him and make him “furious.”The “Saltburn” star spoke extensively about the damaging impact of online trolling in a wide-ranging interview on “The Louis Theroux Podcast” released on Tuesday. He also spoke candidly about his acting career, his time in foster homes as a child and, briefly, his relationship with singer Sabrina Carpenter. “People kind of have a judgment on me as a parent,” said Keoghan, who shares a 2-year-old son named Brando with his ex-partner. “I’m like, well until you’ve walked a day in my shoes growing up as a kid, then you can comment… There’s a lot online. His mom passed away… touring foster homes…’ That’s not what I’m looking for.
Persons: Barry Keoghan, , Louis Theroux, , Sabrina Carpenter, Keoghan, Brando, you’ve, , ” Keoghan, Oscar, it’s, ” Barry Keoghan, Angela Weiss, Theroux, Carpenter Organizations: CNN, Getty, coy Locations: Irish, Dublin, Ireland
Janet Boudreau, who owned the election supply business Intab, designed an "I Voted" sticker in 1987. In recent years, some states have held "I Voted" sticker design contests with unusual winners. One of the earliest mentions of "I Voted" stickers dates back to a 1982 Miami Herald article about discounts offered to customers wearing the stickers, Time magazine reported. Even so, stickers were rarely given out on Election Day until 1987, when Boudreau took over Intab, her father's election supply business then based in Seattle. "I Voted" stickers.
Persons: Janet Boudreau, , Boudreau, Intab, " Boudreau, Paul Bersebach, Getty Images Boudreau, Hudson Rowan, Jane Hynous, Kamala Harris, Amy Lemus Organizations: Service, Miami Herald, MediaNews, Orange, Getty Images, Getty Locations: American, Miami, Seattle, America, Ulster County , New, Pontiac
I moved to Washington, DC, after living in rural Pennsylvania for 23 years. The work culture was a bit intense, but I loved how much there was to do after work and on weekends. AdvertisementI grew up in rural Pennsylvania, tucked away in a stretch of the Appalachian Mountains known as the Endless Mountains. AdvertisementThe work culture in DC was intenseMy first full-time job was in the Capitol Hill neighborhood, so right out of college, I felt like I was thrown into the most competitive work culture. Although I loved discovering what people do for a living, work culture is often prioritized over everything else.
Persons: , I'm, Olivia Bardo, tahini, ube waffles Organizations: Service, ESPN, ACLU, Peace Corps, Hirshhorn Museum, Renwick Locations: Washington, Pennsylvania, Columbia, Washington ,, Colorado
If the former president wins, Caparra’s “my version of this country” comment could be instructive. Economic concerns dominateIf Trump wins, voters like Joseph Knowles and Brian McMutuary will be part of his comeback math too. CNNIf Harris wins, women will be the foundation of her coalition. Many Trump voters echo their candidate in saying the only way for Harris to win is through fraud. Attorney Joan London is another Haley voter turned Harris voter.
Persons: Pennsylvania CNN — Shannon Elliott, Kristin Caparra, “ I’m, ’ ’, Elliott, , ” Caparra, Kamala Harris, , Caparra, Drexel Hill, Donald Trump, ” Elliott, Joe Biden’s, Caparra’s, Diehard Trump, Nikki Haley, Trump, Harris, ” Ebersole, Joseph Knowles, Brian McMutuary, Knowles, Biden, “ We’ve, , ” Knowles, John King, CNN McMutuary, McMutuary, Tamara Varga, Suresh Sharma, , ” John King, Lakeysha Hallmon, ” Hallmon, ” Shannon Elliott, ’ ” Elliott, Michael Pesce, Haley, Angela Lang, Chris Mudd, ” Trump, “ He’s, ’ ”, Pesce, Pennsylvania Haley, Joan London, she’s Organizations: Pennsylvania CNN, Trump, Drexel Hill, Democratic Socialist Party, Swarthmore, Drexel, South Carolina Gov, Republicans, CNN, Republican, Republican Party, Biden, White, Democratic, Black, Communities, Reagan Republican, GOP Locations: Pennsylvania, Philadelphia, Swarthmore, Delaware County, Washington, Iowa, Michigan, Macomb County, Milwaukee, , Tucson , Arizona, Georgia, Atlanta, Bucks County, New Tripoli , Pennsylvania, Cedar Falls , Iowa, London
Lucky for you, we put together this nifty list of binge-worthy YouTube series that you can spend your hard-earned chill time mindlessly watching for hours on end instead of stressfully scrolling. ‘Open Door’Architectural Digest’s “Open Door” series is like MTV’s “Cribs” but much more chic. Keith Habersberger at Disney World's Animal Kingdom on 'Keith Eats Everything.' From CRITERION‘Gourmet Makes’From Bon Appetite’s Test Kitchen comes famed pastry chef Claire Saffitz’s “Gourmet Makes” series, where she attempts to recreate gourmet versions of your favorite comfort foods. She goes above and beyond to recreate the most obscure snacks in this series that will keep you occupied – and hungry – for hours.
Persons: CNN — It’s, Sean Evans, Evans, Gordon Ramsey, Billie Eilish, Paul Rudd, Jimmy Fallon, Amelia Dimoldenberg, Andrew Garfield’s, ‘ Keith, Keith Habersberger, YouTube’s, Keith, Taco, they’ve, Janelle Monáe’s, Claire Saffitz’s Organizations: CNN, Bell, Taco Bell, Disney, CIA
Fast furniture isn't holding up. JulezzzAUS/ShutterstockSamantha Lund, the CEO and principal designer at Simply Sam, told BI that she doesn't like the increase in fast furniture — like ready-to-assemble or flat-pack pieces from large chains. "The trend of buying cheap, disposable furniture has negative impacts on both the environment and personal style," she said. "These pieces often lack quality and character, leading to frequent replacements and increased waste." Lund said it's better to invest in well-made, timeless pieces if it's in the budget or shop secondhand for cheaper finds that still have character.
Persons: Samantha Lund, Lund, it's
The word charcuterie refers to cold cooked, cured, or smoked meats; so technically, a traditional charcuterie board is just a meat platter. A beautiful charcuterie board is a statement piece and a time-saver, since it typically requires little to no cooking. A charcuterie board can be left out for grazing for up to 2 hours. Charcuterie Board IdeasUnlike so other many recipes, the key to a good charcuterie board is doing what you want. How to Make a Charcuterie Board on a BudgetWith so many choices in building your board, it is easy to go overboard.
Persons: You’ll, Serrano, speck, Martha Tinkler, Camembert, Gorgonzola dolce, flatbreads, Melba, pita, Broccoli, prosciutto, Didn’t, You’d, you’re, Brie, don’t Organizations: Food, Costco, Aldi, nestle Locations: finocchiona, Genoa, American bologna, Salamis, Gouda, Gruyère, Romano, Asiago, Mimolette, Paris, Parm, Brie
Cricket player Jamie Harvey and foosball player Oke Harms turned their love of sport into business. German national foosball player Oke Harms launched his online store Kickerkult.de in 2008 to serve fellow foosball enthusiasts with equipment and training. "The beginning of the business was pretty hard because it was uncommon at that time to order a foosball table online," Harms said. Cricket-Hockey has seen success by offering its customers flexible payment options, such as PayPal Pay Later, which helped sales grow over time. "PayPal gives our customers many payment methods, whether they shop online or in-store," Harms said.
Persons: Jamie Harvey, Oke Harms, Harvey, Harms, it's, Ose Harms, Sophie Wedgwood, " Harms, Kickerkult, 1Available Organizations: Cricket, Hockey, Southern Premier League, PayPal, Insider Studios
Online shopping, which the US Census Bureau estimates accounts for roughly 16% of all retail sales, theoretically makes it easier to find exactly what we are looking for. AdvertisementThe golden age of comparison shopping isn't so golden after all. Ursu has studied two factors in shopping: search costs and search fatigue. Ursu guessed that the most exhausting stage of shopping is comparison shopping — when people pore over minuscule details between products to find the best one. Related storiesIf people abandon their shopping carts because they get overwhelmed by search fatigue, it can come back to bite retailers.
Persons: We'd, It's, Barry Schwartz, Jason Goldberg, Publicis, they've, Marsh, Samantha Kleinberg, you've, moisturizer, New York University's Leonard N, Ursu, Qianyun Zhang, Elisabeth Honka, lockdowns, Lauren Ralph Lauren, Goldberg, Rufus Organizations: Ikea, Amazon, Accenture, Swarthmore College, Walmart, Shoppers, Lehigh University, Stevens Institute of Technology, Cognitive, New York, Stern School of Business, Google Locations: New, Netherlands, Wayfair
Manu Fernandez/AP A woman embraces a member of the Emergency Military Unit in Sedavi on Sunday. Susana Vera/Reuters Heavy machinery is used to carry out repairs on the flood-damaged railway tracks in Sedavi on Sunday. Manu Fernandez/AP A firefighter checks inside a vehicle at a flooded garage in Alfafar on Saturday. Susana Vera/Reuters Emergency services workers survey a devastated street in Letur on Wednesday. Susana Vera/Reuters A man dumps floodwater out of his house in Utiel on Wednesday.
Persons: Teen, DANA Desaparecidos, DANA Desparecidos, Mila, Manu Fernandez, Nacho Doce, King Felipe, Pedro Sanchez, Carlos Mazon, , Eva Manez, Susana Vera, Manaure Quintero, Hugo Torres, Pablo Blazquez Dominguez, Angel Garcia, Bruna Casas, , Alberto Saiz, Biel, David Ramos, La Torre, Ana Escobar, Ismael Herrero, Shutterstock, Doce, Jose Jordan, Blanca Ruiz, Carlos Calmaestra, Oscar Del Pozo, Eva Defez's, Mateo Villalba Sanchez, Víctor, Alba Lozano Asencio, Luciano Esguerra, DANA Desaparcideo, ” Asencio, , Spain’s King Felipe, Queen Letizia, Margarita Robles, Pedro de Juan, it’s, Francisco Bosque, AENA, AEMET Organizations: Spain CNN, Emergency, Unit, Reuters Volunteers, Reuters, Getty, Volunteers, AP, Military Unit, Reuters Firefighters, Reuters Vehicles, Biel Alino, Firefighters, La Torre, AP Authorities, Wednesday, Europa Press, CNN, Spanish, Barcelona’s El Prat Locations: Valencia, Spain, Picanya, Silla, Catarroja, Sedavi, Massanassa, AFP, Benetusser, Alfafar, Paiporta, Chiva, Benetússer, La, Letur, La Torre, Godelleta, Utiel, Sedaví, L'Alcúdia, Spanish, Barcelona, Barcelona’s, Castellon, Alicante
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