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These are the main aspects of working in Sweden that other cultures might find surprising. AdvertisementSupport for working parentsIn Sweden, parental leave has become an incubator for new ideas and people often change career direction during their leave. Being on leave gives you time to think with some distance from everyday life. I have been financially supported during my parental leave and as my children grow. Collective bargaining, another tenet of Swedish working culture, prioritizes employee needs and gives more power to the employee.
Persons: , Sofia Brandt, Ally, There's, they're VAB, I'd, wouldn't, that's Organizations: Service, Accenture, Business Locations: Gothenburg, Sweden, American, San Francisco, America
I started working with her in 2009, as her director of digital strategy and new media. Don't build community, facilitate itPart of my job in overseeing Beyoncé's digital strategy was maintaining her Facebook page and Twitter account. The team would put together our recommendations, and we'd present these ideas to her father, Matthew Knowles, who was overseeing Music World Entertainment, which produced her earlier work. We stopped working on building Beyoncé an online community and instead started engaging with the online community that already existed. It was at this point that her community started to take shape.
Persons: Marcus Collins, Beyoncé, Matthew Knowles, Sasha Fierce, She's, it's, you've Organizations: Ross School of Business, University of Michigan, Beyoncé, World Entertainment, Facebook
Marcus Collins shares the major lessons he learned helping Beyoncé to bring her fan base online. I started working with her in 2009, as her director of digital strategy and new media. The team would put together our recommendations, and we'd present these ideas to her father, Matthew Knowles, who was overseeing Music World Entertainment, which produced her earlier work. We stopped working on building Beyoncé an online community and instead started engaging with the online community that already existed. It was at this point that her community started to take shape.
Persons: Marcus Collins, Beyoncé, Collins, , Matthew Knowles, Sasha Fierce, She's, it's, you've Organizations: Service, Ross School of Business, University of Michigan, Beyoncé, World Entertainment, Facebook
Average 30-year mortgage rates have dropped nearly 30 basis points from a week ago, according to Zillow data. 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. Mortgage Rates for Buying a Home30-Year Fixed Mortgage Rates Fall (-0.27%)The current average 30-year fixed mortgage rate is 6.32%, down 27 points from where it was this time last week, according to Zillow data. 15-Year Fixed Mortgage Rates Decrease (-0.33%)The average 15-year mortgage rate is 5.64%, down from last week. Mortgage Refinance Rates30-Year Fixed Refinance Rates Increase (+0.69%)The average 30-year refinance rate is 7.69%, 69 basis points higher than last week.
Persons: you'll, It's, refinance Organizations: Federal Reserve, Zillow, FHA Locations: Chevron
Eric Audras | Onoky | Getty ImagesIf you miss a doctor's appointment these days, you could get hit with a "no-show" fee of up to $100 — or more. But, she said, "to solve this problem is not to charge patients more fees, which many can't afford." For my appointment, I did get a call the day before from the doctor's office. Fees shouldn't hurt credit, still may be worth disputingWhen you make a doctor's appointment, ask about the office's policy around late cancellations and missed appointments, Donovan said. "Ultimately, these fees are discretionary and I would be reluctant to work with any office that inflexibly charged them," Donovan said.
Persons: Eric Audras, Caitlin Donovan, Janna, didn't, I'd, Adam Rust, Rust, Isabel Pavia, Donovan, you'll, inflexibly Organizations: Onoky, Patient Advocate Foundation, Consumer Federation of America Locations: Camden , New Jersey
Though they spiked up earlier this week, mortgage rates have inched down over the past few days and are in line with last week's levels. Once the Fed cuts rates, mortgage rates should start to trend down, too. 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. 15-Year Fixed Mortgage Rates Back Below 6% (-0.10%)The average 15-year mortgage rate is 5.93%, down from last week. Mortgage rates also rose dramatically in 2023, though they started trending back down toward the end of the year.
Persons: they're, you'll, It's, refinance Organizations: Federal Reserve, Zillow, FHA Locations: Chevron
Souffrant set out to save enough so they could cover one year's worth of expenses between Woody's salary and her savings. How to build your own 'F you fund' in 2 stepsAnyone can start an "F you fund" like Soufrrant and Shah did to create more options for themselves. Souffrant kept hers in a high-yield savings account. That way, the money was still accessible but earning more interest than it would if it was sitting in a traditional savings account. If your number is $200 per month, have that amount lifted from your checking account and deposited into your "F you account" each month.
Persons: Jamila Souffrant, Souffrant, Nischa Shah, Nischa Shah Nischa Shah, it's, Shah, Woody Organizations: Business, America, Investment
However, that won’t happen if you just let it sit in a traditional checking or savings account that yields next to nothing. High-yield online savings accountsThe average annual percentage yield on bank savings accounts was just 0.52% as of March 13, according to Bankrate. As with any bank savings rate, high-yield savings account rates can change overnight, and the bank may not alert you when it lowers it. But don’t confuse money market accounts with money market mutual funds, which invest in short-term, low-risk debt instruments. Unlike money market deposit accounts, money market mutual funds are not insured by the FDIC.
Persons: , Ted Rossman, ” Rossman, Ken Tumin, Schwab, you’d, Tumin, Doug Ornstein, Andy Smith, Ornstein, doesn’t, ” Smith Organizations: New York CNN, Bankrate, JPMorgan Chase, Bank of America, Fidelity, TIAA Wealth Management, FDIC, Securities Investor Protection Corp, Edelman, AAA Locations: New York, Wells Fargo, United States
We spoke with a handful of Europeans who are embracing American life about what brought and ties them to the United States. “I was always a career hunter, super career-focused,” says Herrmann, who eventually started his own tourism marketing business in the United States, Herrmann Global. “You have to have a certain level of cynicism and criticism because that’s what makes you smart.”She says she gets very upset when she sees Europeans “pooh-poohing” the United States. That said, she does find the “constant quest to be better, more efficient and more relevant” in the United States exhausting at times. She says living in the United States has afforded her the privilege to get to know and befriend people of many different ethnicities.
Persons: adieu, who’ve, they’ll, expats, ’ Florian Herrmann, , , Herrmann, ’ ”, , I’m, Gabriele Sappok, she’s, Sappok, Andreas, Gabriele Sappok “, it’s, ” Sappok, “ didn’t, Laurence Noguier, Jason W, Noguier, ” Noguier, Lawless, Clodagh Lawless, didn’t, she’ll, Lorna MacDonald, Lorna MacDonald Lorna MacDonald, MacDonald, she’d, Augustine, It's, Terry Ward Organizations: CNN, CNN Travel, Herrmann Global, Dubai Locations: United States, France, decamped, Italy, Portugal, Europe, Munich, Germany, California, Wyoming, America, German, Lander , Wyoming, , New York City, Stuttgart, Washington , DC, Chicago, ” France, Dearborn, Galway, Ireland, American, Florida, Penzance, England, Australia, Singer Island , Florida, Augustine , Florida, St, ” Florida, Tampa
As inflation slows and the economy balances out, mortgage rates are expected to go down this year. 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. Mortgage Rates for Buying a Home30-Year Fixed Mortgage Rates Go Up (+0.23%)The current average 30-year fixed mortgage rate is 6.53%, up 23 points from where it was this time last week, according to Zillow data. 15-Year Fixed Mortgage Rates Back Above 6% (+0.23%)The average 15-year mortgage rate is 6.03%, up from last week. Mortgage rates also rose dramatically in 2023, though they started trending back down toward the end of the year.
Persons: you'll, It's, refinance Organizations: Zillow, FHA Locations: Chevron
In part, that was because it was just impossible to trace Irish famine immigrants and find out what had happened to them. This is just inconceivable to anyone who had ever thought about the famine Irish given the obstacles that faced them. Biden is one of four US presidents who descended from Irish famine immigrants. The famine immigrants really were the ones who cemented the idea of the American Dream as we understand it today. At the time, the neighborhood was home to the more Irish immigrants than any other part of the city.
Persons: CNN — Tyler Anbinder didn’t, Anbinder, Martin Scorsese, , , “ It’s, ” Anbinder, Richard Ljoenes, , , Patrick’s, there’s, , Michael Sullivan, they’re, Biden, Obama, Reagan, Kennedy, Joe Biden, Kevin Lamarque, He’s, Pope, I, ” Biden doesn’t, George Washington, There’s, you’ve, Alderman John Barry’s, Tyler, Tyler Anbinder, he'd, Chris Langford, can’t, United States —, John Carlin, saloonkeepers, Saint Louis Organizations: CNN, Emigrant Savings Bank, New York Public Library, Irish, George Washington University, St, they’re Catholic, London, Hulton, Murphys, Reuters, New York Tribune, George Washington Bridge, New York Central Railroad, York, New York Public Locations: New York, York, United States, America, Europe, Liverpool, Ireland, County Mayo, Rome, Irish, Manhattan, Yorkers, New, New York City, Chicago, California, Minnesota, Saint
They worked in collaboration with the United States Navy, and all the flight scenes you see in both movies are pretty darn realistic. But the most demanding part of being a TOPGUN instructor for me wasn't the actual flying, like you see in "Top Gun" and "Top Gun: Maverick," but the lecture process as an instructor. You're flying every single day, Monday through Friday, and in many cases, twice a day. Depending on how dynamic your mission is — meaning how aggressive and fast you're flying — you'll likely be airborne for about an hour, doing basic flight maneuvers and the dogfighting you see in the "Top Gun" movies. As an instructor, you're having a real direct influence and ability there.
Persons: Guy Snodgrass, Defense James Mattis, It's, There's, Pete, Maverick, Mitchell, Russia's, Snodgrass, you've, We'd, you'll Organizations: Service, Communications, Defense, Hollywood, United States Navy, Business, Navy Locations: TOPGUN, Russian
Some DINKs are using their higher net worth to retire early, travel, and afford luxury items. But there's an even darker side to DINKs: The slice that forgoes kids not by choice but out of necessity. It's difficult to parse out the exact number of Americans who might want kids but can't have them. We know that the childfree group — people who don't want kids — might be about 20% of the US adult population. It's contributing to a whole population of DINKs who can't afford to shed the moniker.
Persons: DINK, , you've, Gen Zers, it's, Kimberly Palmer, Kathryn Edwards, Larry Bienz, he's, Bienz, civically, let's, Amelia, Kevin, They've, We're, Amelia's, Roe, Wade, Zachary Neal, Neal, Jennifer Neal, Priscilla Davies, she's, Davies, They're Organizations: Service, Harris, RAND Corporation, American Society for Reproductive, US Children's Bureau, Michigan State Locations: NerdWallet, DINKs, Chicago, Michigan
Read previewThis as-told-to essay is based on a transcribed conversation with Sydney Baker, 27, about her experience working in office cubicles. AdvertisementBaker's first office cubicle space. People think cubicles are dreary, but decorating them can make them light and brightMy preconception about cubicles was that they didn't get a lot of sunlight. I also like that cubicles can be social, but you also have the flexibility to not be social when needed. I've never worked in an open-plan office but think I'd prefer the privacy cubicles affordI've toured open-plan offices but never worked in one.
Persons: , Sydney Baker, cubicles, I've, I'd, there's, . Baker, Bradley McKee Organizations: Service, Business, Amazon Locations: cubicles
Lipa announced on Wednesday that her third album, "Radical Optimism," will arrive on May 3. During an interview with Rolling Stone, Lipa referred to these four collaborators as her "band." Jesso Jr. called his experience working on Lipa's album "the pinnacle of my writing career." "This record feels a bit more raw," she told Rolling Stone. Advertisement"Dua really enjoyed that," Harle told Rolling Stone.
Persons: , Lipa, Tyrone Lebon, TYRONE LEBON, Houdini, Kevin Parker, Danny L Harle, she'd, Lipa's, Caroline Ailin, Parker, Harle, Tobias Jesso Jr, Rolling, Lady Gaga, Travis Scott, Caroline Polachek, Charli XCX, Jesso, who's, Adele, Niall Horan, Florence Welch, Brittany Spanos, Liam Gallagher, Dua, she's, Damon Albarn, Noel Gallagher, who've, Taylor Swift, Harry Styles, hasn't, Spanos, Anwar Hadid, Romain Gavras, Callum Turner, Ailin Organizations: Service, Business, TYRONE, Rolling Stone, Impala, Brit, Gorillaz, Oasis, Stone Locations: DUA LIPA, @DUALIPA, Lipa, British
Read previewWhen MatPat announced he would leave behind his renowned YouTube channel The Game Theorists this year, he also had a prediction: 2024 will be the year we see a mass exodus from the platform. Speaking with the Guardian, he said he'd seen many of his peers reducing how much time they were dedicating to YouTube. AdvertisementJenna Marbles said goodbye to her YouTube channel back in 2020 after criticism over her old content. Hannah Witton / YouTubeScaling up in an AI worldWitton said she's always been aware of the "growth trap" creators can fall into. "I've seen cheap five-second videos of just an AI voice reading a summary of a movie," Tran said.
Persons: , MatPat, YouTubers, Jenna Marbles, Tyler Oakley, Tanya Burr —, Zoe Sugg, Lilly Singh, Dave Kotinsky, Matthew Patrick, Patrick, Stephanie, Tom Scott, he'd, Zoe Glatt, Glatt, YouTube's, Ollie, He's, Hannah Witton, it's, you've, Witton, she's, we've, Christine Tran, Tran, Emma Chamberlain, Jacopo Raule, That's, It's Organizations: Service, YouTube, Business, Media, Guardian, University of Toronto Locations: Suez, Witton
High inflation and Federal Reserve interest rates hikes helped push mortgage rates up over the last couple of years. Now that inflation has slowed so much from its June 2022 peak, mortgage rates are expected to go down this year. 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. Mortgage Rates for Buying a Home30-Year Fixed Mortgage Rates Go Down (-0.33%)The current average 30-year fixed mortgage rate is 6.30%, down 33 points from where it was this time last week, according to Zillow data. 20-Year Fixed Mortgage Rates Fall (-0.29%)The average 20-year fixed mortgage rate is down bit from last week, and is sitting at 6.07%.
Persons: Investing.com, you'll, It's, refinance Organizations: CPI, Zillow, FHA Locations: Chevron
That was happening at the same time, Butler says, that federal investigators were visiting Trump to discuss returning the classified material in the former president’s possession. ‘Hi, Brian.’ ‘Hi Mr. Trump,’ or ‘President Trump.’ And then he went in and talked to them, but I had no clue who those people were.”‘We’re all dirty. Prosecutors allege that De Oliveira lied to the FBI about whether he knew of the boxes of documents at Mar-a-Lago. Less than 30 minutes later, Butler recalled, De Oliveira received a call from Trump, who told him he would get an attorney. “You know, even the voicemail by the attorney that called me, you know, he says, “I’m representing former President Trump.’ Well, that does me no good.
Persons: Brian Butler, , Donald Trump, CNN’s Kaitlan Collins, Butler, Trump, Jack Smith, – Carlos De Oliveira, Trump’s, , Walt Nauta, ” Butler, Evan Corcoran, Brian, , ’ De Oliveira, Nauta, De Oliveira, , , CNN Butler, De Oliveira’s, De, Susie Wiles, Walt, ’ ” Butler, Carlos, ” Wiles, Cassidy Hutchinson, “ I’m, ’ ” De Oliveira, De Olievra, I’m, who’s Organizations: CNN, Trump, FBI, Walt, Secret, Prosecutors, Justice Department, Mar, ‘ Trump, White, Locations: Mar, New Jersey, Casino, Florida, Nauta, Lago
At the end of January, the Arizona senator reported holding nearly $10.6 million cash on hand in her campaign account and another $466,000 in her leadership PAC. AdvertisementNow, it's far from clear what will happen to those "resources" — Sinema's campaign did not respond to Business Insider's request for comment last week on the matter. There are a few different ways this could play out if Sinema decides to keep a "zombie PAC" running. Elizabeth Warren and Michael Bennet once introduced a bill to crack down on "zombie PACs." Advertisement"A lot of people use that to stay in the game because a leadership PAC is kind of a slush fund.
Persons: , What's Sen, Kyrsten Sinema, Ruben Gallego, Kari Lake, Sinema, Arizonans, Saurav Ghosh, Ghosh, That's, Republican Sen, Rob Portman, Portman, Matt Dolan, Anna Moneymaker, he's, Kelly Ayotte, who's, Aaron Scherb, it's, She'd, she'd, Democratic Sens, Michael Bennet of Colorado, Elizabeth Warren of, Elizabeth Warren, Michael Bennet, Bill Clark, Bennet, she's, airfare, Jordan Libowitz Organizations: Service, Senate, Democrat, Democratic Rep, Business, Bloomberg, Republican, American Enterprise Institute, US, Republicans, Democratic, Daily Beast, Citizen, Washington, Commission, PAC Locations: Arizona, Ohio, New Hampshire, Elizabeth Warren of Massachusetts, Washington, Europe
Business Insider spoke with three experts who shared tips on how you can lower your bill or avoid one. Nonprofit health policy organization KFF estimated that people in the US owed at least $220 billion in medical debt in 2021. Business Insider spoke with Gordon and two additional experts who shared tips for how patients can lower a big medical bill — or avoid one altogether. Review your bill for possible errorsIt sounds obvious, but searching your bill for inaccuracies can lead to big savings. AdvertisementBe smart about where and when to get careThere are a few other things you can do to avoid a big medical bill.
Persons: , Dr, Jerome Adams, who's, Deb Gordon, Gordon, AnnMarie McIlwain, McIlwain, Virgie, Ellington, they're, it's Organizations: Business, Service, Alliance of Professional Health, Umbra Health, Crush, Google, Medicare, Emergency Medicine
Opinion SoleAuthority Forty-five feet underground in a command center near Omaha, there’s an encrypted communications line that goes directly to the American president. Buried below is a military command headquarters constructed in case of a missile attack amid a national emergency. Yet regardless of who wins this election, or the next one, the American president’s nuclear sole authority is a product of another era and must be revisited in our new nuclear age. The jet’s crew can contact the president, verify his or her identity and relay a nuclear attack order to bomber squadrons, submarines and intercontinental ballistic missile silos. It is, however, unacceptable for an American president to have the sole authority to launch a nuclear first strike without a requirement for consultation or consensus.
Persons: , Anthony Cotton, Biden, Donald Trump, Harry Truman, Truman, Truman’s, Jake Sullivan, ” Mr, Sullivan, , Richard Nixon, wasn’t, Trump, Henry Kissinger, Nixon, Mark Milley, Nancy Pelosi, Bob Woodward, Robert Costa, Kissinger, Milley, Robert Kehler, Stratcom, Kehler, we’ve, That’s Organizations: U.S . Strategic Command, North American Aerospace Defense Command, NORAD, Joint Chiefs, Staff, American, White House, Strategic Command, White, North, Democrats, Chiefs, Air Force, Senate, U.S ., United Locations: United States, Omaha, U.S, America, Hiroshima, Nagasaki, Soviet, North Korea, Trump’s
On Tuesday, he joined Fat Joe and Foo Fighters in a Washington, DC, event to advocate for healthcare price transparency. AdvertisementOn Tuesday, Chuck D of Public Enemy joined Fat Joe, Valerie June, and the Foo Fighters in a Washington, DC, event to advocate for greater price transparency in the US healthcare system. I was reached out to as they was trying to get the voice of hip hop, the voices of hip hop, to try to be that extra voice to get the importance of this across. I got projects with Def Jam, but you know, that's a fly in a big vat of buttermilk. But 40 years later, that's not gonna be the major way that you make people think, I don't think.
Persons: Chuck D, Joe, , Valerie June, Fat Joe, Busta, Jelly Roll, Wyclef Jean, there's, I'm, who's, Martin Luther King, Taylor Hill, he's, Paul Morigi, David Grohl, Dave Grohl, I've, There's, Kurtis Blow, MC Lyte, that's Organizations: Power, Foo Fighters, Service, Public, Capitol, Rights, Price, Hip Hop Alliance, SAG, Swift, Foo, Def Locations: Washington, DC, American, United States of America, everybody's
Speaking up in meetings can be intimidating, especially if you're an introvert — but failing to make your voice heard at important moments could hurt your career. That's at least according to Juliette Han, a Harvard-trained neuroscientist and adjunct professor at Columbia Business School. There's a different "tried and true" trick to standing out at work without speaking up during meetings, says Han, who is also an academic advisor at Harvard medical school. This could include brainstorms, status-update meetings, problem-solving meetings or other important work conversations. Or, if someone posed a potential solution to a business challenge during a meeting, and you would recommend a different approach, outline your thoughts in the follow-up email, says Han.
Persons: That's, Juliette Han, Han, — Han, what's, moxie Organizations: Harvard, Columbia Business School, CNBC
Now, I listen to Taylor Swift when I get my twice-yearly MRIs as part of my cancer screening. When I told her I was in my Taylor Swift era, she laughed and said I was going to be a big hit with the radiologist on call. MRIs are never pleasant, but they're better when Taylor Swift is playingWe were sitting in the makeshift triage area, a small room with no windows. Then, as I slid into the machine, "Blank Space (Taylor's Version)" started playing through the speakers. I could barely hear "Blank Space (Taylor's Version)" over the noise of the MRI, which sounded like a back grader getting stuck on a dirt road.
Persons: Taylor, Taylor Swift, , I'd, I've, Swift, Max, Joe Alwyn, There's, It's Organizations: Service, SiriusXM Symphony Locations: Santa Fe , New Mexico, Australia
Mortgage rates are forecast to go down in 2024, but they've actually increased a bit so far this year. Mortgage rates first started rising early in 2022 in response to high inflation and expectations that the Federal Reserve would hike rates to combat price growth. 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. Mortgage Rates for Buying a Home30-Year Fixed Mortgage Rates Inch Down (-0.08%)The current average 30-year fixed mortgage rate is 6.54%, down just eight points from where it was this time last week, according to Zillow data. 15-Year Fixed Mortgage Rates Hold Steady (+0.01%)The average 15-year mortgage rate is 5.94%, just a single point up from last week.
Persons: they've, you'll, It's, refinance Organizations: Treasury, Federal, Zillow, FHA Locations: Chevron
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