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☆ A boomer lives on $1,601 monthly from Social Security and struggles to pay bills. She plans to wait a few more years until she touches her 401(k).
▼ + stars: | 2024-08-11 | by ( Allie Kelly | ) www.businessinsider.com time to read: +5 min

AdvertisementMaureen now lives on $1,601 monthly Social Security payments in northeast Pennsylvania, according to bank documents viewed by BI. For others, fixed Social Security incomes aren't enough to afford basic necessities. Over half of baby boomers have $250,000 or less in retirement assets, per a 2024 report from the Retirement Income Institute . AdvertisementHer husband's Social Security money primarily went to her daughters when they were young, she said, but she recently learned his employer is closing their pension system. With $1,601 monthly Social Security as her only source of reliable income, Maureen is on a tight budget.

Persons: —, Maureen, Patricia Polacco's, Maureen —, hasn't, she's, doesn't Organizations: Service, Business, Catholic, Social, BI, Northwestern Mutual, Income, Social Security, SNAP Locations: Pennsylvania

☆ I never wanted to get married. But when I got pregnant, everything changed.
▼ + stars: | 2024-08-10 | by ( Melissa Noble | ) www.businessinsider.com time to read: +4 min

Read previewI've always been a commitment phobe and was never interested in getting married. Getting pregnant changed how I felt about commitmentBy that point, Sam and I had been together for eight years. Courtesy of Melissa NobleWe've now been married almost 10 yearsAt the very end, it said, "You're the girl of my dreams. AdvertisementGetting pregnant changed my headspace about marriage and helped me think of the future differently. The formality of being married did make a difference, and almost 10 years on, we're still going strong.

Persons: —, Sam, I'd, didn't, I've, Let's, Sam's, Port Phillip Bay, satchel, He'd, Melissa Noble's, Melissa Noble We've, we're Organizations: Service, Business Locations: Black Rock, Melbourne, Port Phillip, Gold

☆ Kursk offensive: Ukraine embarrasses Putin with surprise assault on southern Russia
▼ + stars: | 2024-08-10 | by ( Analysis Tim Lister | ) edition.cnn.com time to read: +10 min

The video, released Wednesday by the Kremlin, showed the Russian president was not happy with news from the southern region of Kursk. The head of the city of Rylsk – some distance from the most advanced Ukrainian units – said Friday more than half the population of 15,000 had left. An expeditionary forceUkrainian troops, even if reinforced, cannot expect to occupy several hundred square kilometers of Russian territory. But holding a large chunk Russian territory is beyond their capacity and probably beyond their goal. “The unfolding events demonstrate the extent to which Moscow has deeply depended on sanctuary in Russian territory to wage its war against Ukraine,” Barros told CNN.

Persons: CNN — Vladimir Putin, General Valery Gerasimov, Putin, George Barros, “, Volodymyr Zelensky, Aleksander Kots, Andrey Gurulyov, –, Malaya Loknya, Emil Kastehelmi, Barros, Matthew Schmidt, ’, Vladislav Shurygin, Izvestia, That’s, ” Daniel Fried, George Washington’s, ”, ” Barros, Darya Tarasova, Maria Kostenko Organizations: CNN, Kremlin, Russian Defense Ministry, Telegram, 61st Mechanized Brigade, Gazprom, Social, –, US Army’s Command, General Staff College, Atlantic Council, National Guard, Ukraine, “ Locations: Russian, Kursk, Sudzha, Russia, Kyiv, Donetsk, Washington, Kharkiv, Rylsk, Europe, Ukrainian, Ivashkovsky, Malaya, Olgovka, Finland, Moscow, Shurygin, Delaware, Ukraine, “ Russia

Mortgage rates fell dramatically this week, with 30-year mortgage rates even briefly dipping below 6% for the first time since early 2023, according to Zillow data. This should remove a lot of the upward pressure off of mortgage rates and allow them to ease. 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 drop.

Persons: they've, Fannie Mae Organizations: Treasury, Federal Reserve, Zillow, Mortgage, Association, ARM Locations: Chevron

☆ The hedge fund trade unwind that jolted Wall Street this week may continue to agitate markets
▼ + stars: | 2024-08-09 | by ( Brian Evans | ) www.cnbc.com time to read: +4 min

The recent unwinding of the yen "carry trade" could remain a long-term headwind amid already turbulent markets. JPY= YTD mountain The Japanese yen's appreciation against the U.S. dollar marked the unwinding of the so-called carry trade. "There's still quite a significant yen short position out there," Osborne said. He estimates that there is still a roughly $15 billion yen short position through July 30, still to be covered. In other words, that short position could drive more strength in the yen as that position is covered.

Persons: —, Shaun Osborne, Osborne, Everyone's, Rob Ginsberg, Ginsberg, FedWatch, Ben Emons Organizations: Bank of, U.S, Scotiabank, U.S . Federal Reserve, Bloomberg, Wolfe Research, Swiss Locations: Bank of Japan, Japan

☆ Boeing Starliner: What life is like for two astronauts in limbo in space
▼ + stars: | 2024-08-09 | by ( Jackie Wattles | ) edition.cnn.com time to read: +9 min

They’re not part of Expedition 71, the international crew of seven astronauts serving as the space station’s official staff. Crew-9 — a routine trip to the space station to replenish expedition staff — is currently slated to fly with four astronauts: NASA astronauts Zena Cardman, Nick Hague and Stephanie Wilson, and cosmonaut Aleksandr Gorbunov of the Russian space agency Roscosmos. NASA astronauts Suni Williams and Butch Wilmore are greeted by the crew of the International Space Station on June 6, 2024. In 2012, during an earlier trip to the International Space Station, she became the first person to finish a triathlon in space. Without a suitcaseFlying to the space station without the suitcases they had packed for their mission perhaps complicated the comfort of the Starliner astronauts’ extended stay.

Persons: Suni Williams, Butch Wilmore, —, They’ve, Williams, They’re, ” Dana Weigel, “ Butch, Suni, ” Weigel, “, Zena Cardman, Nick Hague, Stephanie Wilson, Aleksandr Gorbunov, Wilmore, they’ve, Sunita Williams, Frank Rubio, yearlong, ’, ”, Bill Spetch, Spetch, they’re, Ken Bowersox Organizations: CNN, Space, NASA, SpaceX, International Space Station, Boeing, SpaceX’s, International, Station, AP, Boston Marathon, Space Station, Northrop Grumman, Space Operations, “ Locations: Russian

Average 30-year mortgage rates dropped 26 basis points to 6.47%, their lowest level since May 2023, according to Freddie Mac. If today's mortgage rates are lower than the rate you're currently paying, refinancing could be worth it. See more mortgage rates on Zillow Real Estate on ZillowToday's refinance ratesMortgage type Average rate today This information has been provided by Zillow. Now that inflation has decelerated and a Fed cut is looking more likely, mortgage rates have trended down. This means your entire monthly mortgage payment, including taxes and insurance, shouldn't exceed 28% of your pre-tax monthly income.

Persons: Freddie Mac, Sam Khater, Freddie Mac's, you'll, Fannie Mae Organizations: Zillow, Mortgage, Association, Sky Locations: Chevron

Asia-Pacific markets extended gains on Wednesday, tracking Wall Street benchmarks that snapped a three-day losing streak overnight. It further sold 3.87 trillion yen worth of dollars on May 1, ministry data showed. Customs data showed on Wednesday that China's imports in July grew faster-than-expected, while export growth missed forecasts. Exports in U.S. dollar terms rose by 7% for the month compared to a year ago, missing economists' expectations for a 9.7% increase. Meanwhile, U.S. dollar-denominated imports rose by 7.2%, far more than the economist's forecast of 3.5%.

Persons: Canon, Shinichi Uchida Organizations: Nikkei, Mitsui, SoftBank, Bank of Japan, Bank, Japan's Ministry of Finance, China's CSI, . Locations: Qingdao Port, Shandong province, Qingdao, China, Asia, Pacific

☆ Yen dives as BOJ plays down chance of hikes, soothing markets
▼ + stars: | 2024-08-07 | by ( ) www.cnbc.com time to read: +2 min

A Japanese 10,000 yen and a U.S. 100 dollar banknote juxtaposed against each other in Tokyo, Japan, on Monday, June 20, 2016. The yen dropped on Wednesday after an influential Bank of Japan official played down the chances of a near-term rate hike, soothing investors' concerns that a further jump in the Japanese currency could again rock global markets. The yen fell around 2.5% to a session low of 147.94 per dollar following the comments from BOJ Deputy Governor Shinichi Uchida. "I think it's become increasingly clear that the BOJ hawkish turn last week could be a policy error," said Alvin Tan, head of Asia FX strategy at RBC Capital Markets. The yen's decline was broad based, with the Mexican peso, New Zealand dollar and Australian dollar - all carry trade candidates - surging against the currency.

Persons: Shinichi Uchida, Uchida, Kazuo Ueda's hawkish, it's, Alvin Tan, inching, Rong Ren Goh Organizations: Bank of Japan, Asia FX, RBC Capital Markets, U.S, Eastspring Investments, New Zealand Locations: U.S, Tokyo, Japan, Asia

Stock futures pointed to a mild market bounceback following a significant sell-off Monday that left major indexes with their worst day in nearly two years. ET Tuesday, Dow Jones Industrial Average futures, S&P 500 futures, and and Nasdaq futures were each up about 0.4%. The recovery comes as Japan's Nikkei stock index, which saw its worst day in a generation Monday, rallied for its best day since 2008, surging 10.2%Still, Tuesday's gains are unlikely to make up for the losses stocks suffered Monday. Torsten Slok, chief economist at Apollo Global Management, said in a note Tuesday that the economy remains in decent shape. "If the economy were crashing, default rates would be spiking higher, and that is not what the data shows.” he wrote.

Persons: Dow, Goldman Sachs, Torsten Slok, ” Organizations: Dow Jones Industrial, Nasdaq, Nikkei, Federal, Citibank, Federal Reserve, Citi, Fed, Apollo Global Management Locations: U.S

☆ Both of my kids recently started dating and their breakups are hard on me, too. I'm also invested in their relationships.
▼ + stars: | 2024-08-06 | by ( Terri Peters | ) www.businessinsider.com time to read: +5 min

Gone are the days of schoolyard crushes, and in their place are weekend dates and dinner table talks about my kids' relationships. I've genuinely liked the kids my teens have dated, so it's been sad seeing each of those relationships come to an end. I've seen both kids come out of their break-ups wiser and more sure of themselves, and that's taken the sting away just a bit. Terri Peters' kids recently started dating and have gone through breakups. It's also been rewarding to see my kids grow and learn as a result of each breakup.

Persons: it's, I've, It's, sobbed, that's, you've, Terri Peters, we've, We're Organizations: Service

☆ Why an emergency rate cut would be a mistake for the Fed, according to Mohamed El-Erian
▼ + stars: | 2024-08-06 | by ( Jennifer Sor | ) www.businessinsider.com time to read: +4 min

The Fed would be making a mistake in delivering an emergency rate-cut, Mohamed El-Erian said. Traders see a higher chance the Fed could trim rates over the next week in response to weakening data. AdvertisementThe Federal Reserve would be making a mistake if it delivered an emergency rate cut. Amid Monday's sell-off Bloomberg reported that markets see a 60% chance the Fed could issue a cut ahead of its scheduled policy meeting. AdvertisementGiving in to the market's demands to ease monetary policy would constitute another mistake for the Fed, El-Erian said.

Persons: Mohamed El, Erian, —, Ben Kirby Organizations: Bloomberg, Traders, Service, Fed, Thornburg Investment Management Locations: El

☆ Recession Fears May Be Overstated, but Not Unfounded
▼ + stars: | 2024-08-06 | by ( Ben Casselman | ) www.nytimes.com time to read: 1 min

It emerged from the pandemic shock more quickly and more powerfully than many experts envisioned. It proved resilient in the face of both inflation and the higher interest rates the Federal Reserve used to combat it. The prospect many forecasters once considered imminent — a recession — looked increasingly like a false alarm. An unexpectedly weak jobs report on Friday — showing slower hiring in July, and a surprising jump in unemployment — triggered a sell-off in the stock market as investors worried that an economic downturn might be underway after all. By Monday, that decline had turned into a rout, with financial markets tumbling around the world.

Persons: — Organizations: Federal Reserve Locations: U.S

☆ Treasury yields tumble as recession concerns take hold
▼ + stars: | 2024-08-05 | by ( Sophie Kiderlin | In | ) www.cnbc.com time to read: +1 min

ET, the yield on the 10-year Treasury was down by over eight basis points to 3.7099%. The 2-year Treasury yield was last at 3.7315% after falling by around 14 basis points. U.S. Treasurys slid on Monday as fears about a recession grew after a series of key economic data was released last week. The data suggested an easing of the labor market, which prompted concerns about a recession. That came after the Fed earlier in the week left interest rates unchanged and hinted at a September rate cut.

Persons: Treasurys, July's nonfarm, Dow Jones Organizations: Treasury, Dow, Fed, PMI

☆ Why the Fed almost certainly isn’t going to do an emergency rate cut
▼ + stars: | 2024-08-05 | by ( Elisabeth Buchwald | ) edition.cnn.com time to read: +5 min

Investors are increasingly hopeful that will push Federal Reserve officials to come to their rescue with an emergency rate cut. But if something comes up in between those meetings that changes their views on the ideal level for rates, officials can gather for an unscheduled “emergency” meeting. By doing two large emergency cuts in succession, Fed officials didn’t have to weigh whether their actions would unnecessarily cause Americans to panic. Before those cuts, the last time the Fed was promoted to do an emergency rate cut was in the thick of the Great Recession shortly after Lehman Brothers collapsed in the fall of 2008. But he said he was “reluctantly” comfortable with an emergency cut since other central banks were doing it.

Persons: Austan Goolsbee, there’s, Lehman Brothers, ” Charles Plosser, “, ”, That’s, Janet Yellen, ” Yellen, Plosser Organizations: New, New York CNN, Federal, Chicago Fed, New York Times, Philadelphia Fed, Bank of Canada, European Central Bank, Bank of England, San, Committee, Fed, Treasury Locations: New York

☆ 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

As the Fed lowers rates this year, 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 will affect your monthly and long-term payments. 15-Year Fixed Mortgage RatesAverage 15-year mortgage rates were 5.99% this week, according to Freddie Mac data, which is an eight-basis-point decrease from the previous week. Now that the Fed has paused hiking rates, mortgage rates have come down a bit. Once the Fed starts cutting rates, which may happen this year, mortgage rates should fall even further.

Persons: —, Freddie Mac Organizations: Federal, of Labor Statistics, Zillow, Federal Reserve, Fed Locations: Chevron

☆ Our bend-don't-break economy is reaching its limit
▼ + stars: | 2024-08-05 | by ( Dan Defrancesco | ) www.businessinsider.com time to read: +8 min

Go to newsletter preferencesSign up to get the inside scoop on today’s biggest stories in markets, tech, and business — delivered daily. In today's big story, interest-rate cuts are almost certainly coming, but the relief won't be felt immediately . The big storyCrash landingKevin Dietsch/Getty, Tyler Le/BIOur bend-don't-break economy might finally have reached its limit. After a year of resiliency in the face of high interest rates, the cracks are showing in the US economy. But it's not a silver bullet, and the rate cut's effect will take time to make its way through the economy.

Persons: —, Kevin Dietsch, Tyler Le, it's, Chelsea Jia Feng, Claudia Sahm, Madison Hoff, McDonald's, Jared Siskin, Bobby, Jordan Grumet, Justin Best, Brian Stauffer, Michal Kosinski, Rob Price, sompong, Seng kui Lim, Getty, Joe Biden's, Elon, Dan DeFrancesco, Jordan Parker Erb, Hallam Bullock, Annie Smith, Amanda Yen Organizations: Service, Business, Relief, Getty, Fed, Amazon, Big Tech, Madison, Park Conservancy, Citadel, FIRE, Union Square Advisors, Nvidia, America Locations: resiliency, Central, Switzerland, Canada, Park, Paris, New York, London

☆ Insider Today: Mark Cuban vs. Big Pharma
▼ + stars: | 2024-08-04 | by ( Dan Defrancesco | ) www.businessinsider.com time to read: +5 min

But first: Big Tech reporting for duty. AdvertisementEven before Amazon, Apple, Meta, and Microsoft reported earnings, investors' focus was clear. Meta CEO Mark Zuckerberg didn't shy away from his intention to keep plowing money into AI, but investors didn't mind. Softening demand from shoppers for Amazon led to a miss in reported net sales and a weaker-than-expected sales forecast for the third quarter. Also read:Getty Images; Jenny Chang-Rodriguez/BIMark Cuban's pharma missionIn 2022, Mark Cuban launched a low-cost online pharmacy with the goal of cutting drug prices for consumers.

Persons: —, Jeff Bottari, Rebecca Zisser, Tesla, Mark Zuckerberg, iStock, That's, Gen, Zers, Tyler Le, Tetiana Lazunova, Jenny Chang, Rodriguez, Cuban's, Mark Cuban, somebody's, Emily Durham Organizations: Service, Business, Big Tech, Getty Images, Apple, Meta, Microsoft, Apple Intelligence, Amazon, pharma, Cuban's pharma, Cost, Pfizer, Novo Nordisk Locations: China

☆ I took a job in New Zealand after my life turned upside down. I love it here, but the pay isn't sustainable.
▼ + stars: | 2024-08-04 | by ( Tess Martinelli | ) www.businessinsider.com time to read: +6 min

Read previewThis as-told-to essay is based on a conversation with Camille Fahrnbauer, a 26-year-old travel nurse from Georgia currently working in New Zealand. Travel nursing in the US was debilitating. So when my husband left me unexpectedly and my life flipped upside down, I took a nursing job in New Zealand. AdvertisementFor a fresh start, I signed a year-long nursing contract in New ZealandI'd been travel nursing across the West Coast for three years when I started feeling a pull to nurse abroad. Dubai is at the top of my list because it's reported to have a great work-life balance and solid pay.

Persons: —, Camille Fahrnbauer, It's, I've, I'd, we're, I'm, Tess Martinelli, tmartinelli@businessinsider.com Organizations: Service, Business, West Coast, Facebook Locations: Georgia, New Zealand, West, Auckland, Dubai

☆ Jamaican sprinting great Shelly-Ann Fraser-Pryce unexpectedly out of 100-meters
▼ + stars: | 2024-08-03 | by ( Andrew Greif | Andrew Greif Is A Freelance Sports Journalist. | ) www.nbcnews.com time to read: +1 min

PARIS — A noise rippled through Stade de France on Saturday evening when, before a semifinal of the women’s 100 meters at the Paris Olympics, the lane belonging to Jamaican sprinting star Shelly-Ann Fraser-Pryce was unexpectedly left empty. Fraser-Pryce, long the standard-bearer for the event after winning Olympic gold in 2008 and 2012, bronze in 2016 and silver in 2021, did not start the race, a dropout that was not revealed publicly until her competitors stepped up to their starting blocks. It marked the second stunning withdrawal of a Jamaican star of these Olympics, after Shericka Jackson also withdrew from the 100 days earlier. Jackson will run the 200-meters. Richardson safely advanced to Saturday night’s final, though was beaten in her semifinal by Julien Alfred of Saint Lucia.

Persons: Shelly, Ann Fraser, Pryce, Shericka Jackson, Jackson, Fraser, Dina Asher, Smith, Sha’Carri Richardson, Richardson, Julien Alfred of Saint Lucia Organizations: PARIS, Stade de France, Paris Olympics, Great

Mortgage rates are down in response to the labor market slowing. Average 30-year mortgage rates are now hovering in the low 6% range, according to Zillow data, the lowest they've been since January 2024. See more mortgage rates on Zillow Real Estate on ZillowToday's refinance ratesMortgage type Average rate today This information has been provided by Zillow. This is a significant slowdown compared when it peaked at 9.1% in 2022, which means mortgage rates should start trending down soon. This means your entire monthly mortgage payment, including taxes and insurance, shouldn't exceed 28% of your pre-tax monthly income.

Persons: you'll, Fannie Mae Organizations: of Labor Statistics, Federal Reserve, Zillow, Mortgage, Association, Sky Locations: U.S, Chevron

☆ Scientists digitally dissect ancient Egyptian ‘screaming’ mummy
▼ + stars: | 2024-08-03 | by ( Katie Hunt | ) edition.cnn.com time to read: +6 min

CNN —Ancient Egypt’s pyramids, pharaohs and artifacts delight the imagination, reigniting wonder of the distant past in every generation. Experts are also using the latest techniques to spill secrets hidden within discoveries made decades ago, with new research this week “digitally dissecting” an unusual mummy found in 1935. The "screaming woman" whose mummified remains were discovered in 1935 may have died violently, a new study suggests. — To keep swimmers and beachgoers safe, scientists are using artificial intelligence to detect juvenile sharks, which like to hang out near the shore. They find wonder in planets beyond our solar system and discoveries from the ancient world.

Persons: Sahar Saleem, Saleem, Saleem couldn’t, Venus, Guillermo Legaria, Lonely Guy, —, Ashley Strickland, Katie Hunt Organizations: CNN, Metropolitan Museum of Art, Kasr Al, Cairo University, Mercury, European Space Agency, Japan Aerospace Exploration Agency, NASA, JPL, Caltech Venus, Lonely, —, CNN Space, Science Locations: ., Damietta, Egypt, Luxor, New York City, Kasr Al Ainy, Europe, Asia, Thailand, Southeast Asia

Read previewThe July jobs report has thrown the economy's soft landing into question — and the Federal Reserve is taking the heat. AdvertisementGiven the jobs report, Nick Bunker, economic research director for North America at the Indeed Hiring Lab, told Business Insider that "the soft landing for the US labor market is in peril." Advertisement"The problem is there's very few indications that this is the labor market we're going to stick around in," Bunker said. "It's clear that momentum of the labor market continues to be downward. "But I continue to stand by the idea that this is still part of the soft landing that people thought was not possible."

Persons: —, it's, Nick Bunker, Claudia Sahm, Sahm, Jerome Powell, Julia Pollak, It's, We're, Bunker, Powell, Harris, doesn't, Labor Julie Su, Su, they've Organizations: Service, Federal Reserve, Bureau of Labor Statistics, Business, North America, New Century Advisors, Fed, Biden, Labor

☆ Unemployment unexpectedly rose in July as pressure ramps up for the Fed to cut interest rates
▼ + stars: | 2024-08-02 | by ( Madison Hoff | ) www.businessinsider.com time to read: +3 min

The weak report all but confirms the Federal Reserve will cut interest rates in September, an outcome that was already carrying a near-100% probability heading into the report. AdvertisementFriday's jobs report comes after this week's Federal Open Market Committee meeting, where the Federal Reserve held interest rates steady once again. "I think it's past time for them to cut interest rates," Mark Zandi, chief economist of Moody's Analytics, told Business Insider in July. "The question will be whether the totality of the data, the evolving outlook, and the balance of risks are consistent with rising confidence on inflation and maintaining a solid labor market," Powell said. There were around 3.3 million quits in June and the quits rate was 2.1%.

Persons: —, payrolls, Mark Zandi, Jerome Powell, Powell Organizations: Service, Business, Labor Statistics, Reserve, Stock, Federal Reserve, Bureau of Labor Statistics

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