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View at Amazon What we like Check mark icon A check mark. View at Amazon What we like Check mark icon A check mark. Uses same Coanda technology as the Dyson AirwrapCheck mark icon A check mark. View at Amazon What we like Check mark icon A check mark. View at Amazon What we like Check mark icon A check mark.

Persons: Dyson, we've, Rose, Skip, Braun, Gillette, shea, Heusen, Anne Klein, It's, you've Organizations: Business, Amazon, REVLON, Revlon, Gillette Venus Womens, Panasonic, PURA, Pura, palmetto, Amazon St, St, Sports Locations: Tropez

This has helped push mortgage rates back up near where they were this summer, when 30-year rates were above 6%. 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. Mortgage rates are determined by a variety of different factors, including larger economic trends, Federal Reserve policy, your state's current mortgage rates, the type of loan you're getting, and your personal financial profile. But now that inflation has decelerated and the Fed is expected to cut rates soon, 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: you'll, they've, Freddie Mac, it's, Fannie Mae Organizations: Federal Reserve, Zillow, ARM, Federal Housing Administration, Department of Veterans Affairs, Fed, Mortgage, Association Locations: Chevron

The last time we saw the PS5 Slim reduced to this price was in early August, and early June before that. The PS5 Slim (with disc drive) has been available for less in the past from third-party vendors, but we can't verify their reliability. The best Amazon Prime Day PS5 dealsSony PS5 Slim $449.00 $499.00 Save 10% The PS5 is one of the best consoles thanks to its powerful hardware, exclusives, and 4K Blu-ray drive. The only difference between the PS5 Slim with or without a disc drive is, indeed, the disc drive. That said, you can buy an external disc drive for the PS5 Slim Digital Edition to add disc functionality.

Persons: Slim Organizations: Business, Sony PlayStation, Amazon, Deal, NBA, PS5, Sony, Slim Locations: Amazon

Check out our full Dyson V8 cordless vacuum review for the full rundown on this capable and lightweight vacuum, but below are three reasons we think you should press "add to cart" on the Dyson V8 this Prime Day. Dyson V8 Plus Cordless Vacuum $299.99 $468.00 Save 36% For a Dyson at the lowest price possible, you can't go wrong with the basic but mighty Dyson V8 Plus Cordless Vacuum. View at Amazon What we like Check mark icon A check mark. The Dyson V8 is a great entry-level option from Dyson, especially if you want to have a Dyson cleaning tool in your repertoire. The Dyson V8 is particularly well-suited to pulling dust bunnies from the carpet and suctioning fine particles in one or two passes.

Persons: We've, Dyson, Dyson's vacuums, Jamie Davis Smith Organizations: Business, Dyson, Dock

View at Amazon What we like Check mark icon A check mark. Includes 4K Blu-ray disc drive to play physical games discs and moviesCheck mark icon A check mark. View at Amazon What we like Check mark icon A check mark. View at Amazon What we like Check mark icon A check mark. View at Amazon What we like Check mark icon A check mark.

Persons: We'll, we've, you'll, I'm, we'd, You'll, Apple, LG's, 120Hz, HLG, vacuums, seltzer, shams, Dyson, OmniForce, Bissell, Loren, LQ, It's, I've, Skip Organizations: Business, Amazon Prime, Deal, Apple, Deal Sony, Slim, Alexa, Kindle, Google, Amazon Samsung Galaxy Watch, Galaxy Watch, Amazon Samsung, LG, Sony, Samsung, Amazon, Dolby, HLG Smart, Amazon LG, Chatelet Air, Barista, DELTA, Delta, Dyson, Bissell, REVLON, Revlon, Amazon Braun, Braun Locations: Delsey

☆ A busy dad who got fit at 75 is now 96 and cycles daily. He shared 3 tips for getting into exercise at any age.
▼ + stars: | 2024-10-07 | by ( Serafina Kenny | ) www.businessinsider.com time to read: +5 min

He shared his tips for getting fit at any age with Business Insider. Now that he's retired, he has time to exercise for an hour a day, he told Business Insider. Eckenrode does 30 minutes on a stationary bike, as well as 30 minutes of calisthenic exercises that work his whole body, from his head to his toes. National Senior Games Association"I go out of my way to get on that stationary bike for sure. Multitask while exercising"I try to meditate on the stationary bike to start things off, and then try to plan my day when I'm biking.

Persons: Jack Eckenrode, didn't, —, he's, it's, Eckenrode, Harvard paleoanthropologist, Multitask Organizations: Business, Service, Research, Preventive Medicine, US Air Force, National Senior Games, Harvard, Mental Health Locations: Pittsburgh

☆ For retirees, here's what to do with required withdrawals when you don't need the money
▼ + stars: | 2024-10-07 | by ( Kate Dore | Cfp | ) www.cnbc.com time to read: +3 min

Skynesher | E+ | Getty ImagesFor some retirees, the deadline to take required withdrawals from retirement accounts is approaching — and those who don't need the money have options, experts say. Since 2023, most retirees must take required minimum distributions, or RMDs, from pre-tax retirement accounts starting at age 73. Brokerage assets could be subject to capital gains taxes, whereas pre-tax retirement funds incur regular income taxes. Unlike mutual funds, most ETFs don't distribute capital gains payouts, which can save brokerage account investors on annual taxes. There's no charitable deduction, but QCDs don't count toward adjusted gross income, meaning retirees don't need to itemize tax breaks to claim it.

Persons: Judy Brown, you'll, Berkemeyer, You'll, Karen Van Voorhis, Daniel J, Galli, QCDs, It's Organizations: SC, H, D.C, Abrin, Goodman Financial, Galli & Associates, Galli & Locations: Washington, Baltimore, Houston, Norwell , Massachusetts

☆ Mike Johnson won't commit to bringing House back before the election for more hurricane relief
▼ + stars: | 2024-10-07 | by ( Summer Concepcion | ) www.cnbc.com time to read: +4 min

House Speaker Mike Johnson on Sunday did not commit to calling Congress back into session before the election after President Joe Biden pressed congressional leaders about potential funding shortfalls in the aftermath of Hurricane Helene. The president noted that the White House requested more funding for the program as Congress prepared a short-term funding bill that passed last month to avert a government shutdown. Pressed on whether he would call Congress back into session before the election, Johnson replied, "We'll be back in session immediately after the election." Johnson's comments come after Biden said in remarks at the White House last week he expects to ask Congress for a supplemental funding request for areas affected by Hurricane Helene. "The American people are disgusted by this, up with it, and so are Republicans in Congress," he said.

Persons: Mike Johnson, Joe Biden, Hurricane Helene, Johnson, Alejandro Mayorkas, we'll, Biden, Karine Jean, Pierre, Kamala Harris, Mayorkas Organizations: Fox, Homeland, White House, Congress, Hurricane, Federal Emergency Management Agency, shouldn't, White, Biden, FEMA, Republicans Locations: Hurricane, Florida

☆ I'm a professional declutterer and think everyone should get rid of things before they move. Here's how to do it.
▼ + stars: | 2024-10-07 | by ( ) www.businessinsider.com time to read: +4 min

Ideally, you'd declutter before you start packing for a move. AdvertisementI'm a professional declutterer and often get asked by clients when they should start decluttering while planning a move. Put 2 boxes out — things you're moving and things you're donatingWhen packing small items, use two boxes: one for the stuff that's going with you and one for the things you'll drop off at the thrift store. If you're agonizing over whether to keep or toss an item, you're allowed to keep it and move on. Related storiesIf you're holding out for money, be realistic about how much you think you can earn by selling your things.

Persons: I'm, —, it's, you've, you'll, It's Organizations: Service, Salvation Army, Technology, Facebook, revel

Ally automatically moves "safe-to-save" money into savings — I've saved over $4,000 this way. Toss a rock in any direction, and you'll find banks advertising high-yield savings accounts with interest rates between 4.5% and 5.0%, even after the Federal Reserve lowered interest rates. Ally has savings features that boost my financial goalsAlly also has easy-to-use savings features, such as creating up to 30 buckets for different goals. I also have surprise savings set up, and usually, a few times a month, I get a notification to expect a surprise savings. Since I opened my main savings account three years ago, I've stashed away nearly $4,000 in surprise savings from one account.

Persons: Ally doesn't, Ally, I've, — Organizations: Service, Federal Reserve Locations: there's

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 near 6% today, according to Zillow data. 15-Year Mortgage Rates TodayAverage 15-year mortgage rates remain in the low 5% range, according to Zillow data. Average Refinance Mortgage Rates TodayRefinance rates have inched up after dropping in September. 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're, they've, you'll, Freddie Mac, it's, They'll Organizations: of Labor Statistics, Federal, Zillow, Fed Locations: U.S, Chevron

I've wanted Home Depot's 12-foot skeleton since it first was a thing. (See our "alternatives" section below if you can't get your hands on the 12-foot skeleton.) James Brains/Business InsiderThe 12-foot skeleton didn't just arrive via the classic FedEx or UPS. While it's quite cumbersome, someone might try to steal your 12-foot skeleton, which only weighs about 60 pounds. The 12-foot skeleton has become a landmark in my neighborhood.

Persons: I've, it's, Skelly Skelly, Skelly, James Brains, Jack Skellington, Erin Brains, Skelly Ripa, Skelloncé, MaSkully Skullkin, We've, we've Organizations: Business, Bowl, Skelly The East, Skelly The East Lansing Home Depot, FedEx, UPS, Depot Locations: Skelly The East Lansing

☆ The problem — and opportunity — with Wall Street downgrades of Apple and Amazon
▼ + stars: | 2024-10-07 | by ( Zev Fima | ) www.cnbc.com time to read: +7 min

A couple of analyst downgrades are making the rounds Monday on megacap stocks that rarely see ratings cuts: Apple and Amazon. At Jefferies, analysts downgraded Apple to a hold but increased the price target to $213 apiece from $205. It also presents a problem for investors who see the downgrades as a reason to sell some shares. After all, you'll be hard-pressed to find companies anywhere more in charge of their own destinies than Apple, Amazon — or any of the Super Six (Meta, Nvidia, Alphabet, Microsoft). Apple and Amazon aren't where they are because of luck, but rather because they make their own luck.

Persons: downgrades, They're, Jim Cramer, I'm, Jim, you've, it's, Philip Fisher, Apple, Jim Cramer's, Michael M Organizations: Jefferies, Apple, CNBC, Apple Intelligence, Wells, Nvidia, Microsoft, Amazon, Jim Cramer's Charitable, Fifth, Santiago, Getty Locations: Wells, New York City

Amazon's second 2024 Prime Day event, Big Deal Days, is one of the best opportunities to save money on an Amazon Echo device. Below, we've combed through all of the best Amazon Echo deals to find the top options that are already on sale. The best Prime Day Amazon Echo dealsAmazon Echo (4th Gen) $54.99 $99.99 Save 45% Amazon's flagship smart speaker is the best Echo for most people thanks to its room-filling sound, reliable Alexa voice control, and built-in smart-home hub capabilities. View at Amazon What we like Check mark icon A check mark. View at Amazon What we like Check mark icon A check mark.

Organizations: Business, Amazon, Black, Apple, Big Deal, Echo, Alexa

☆ We spent over $12,000 replacing our carpets with vinyl-plank flooring. It looks nice, but I regret it every day.
▼ + stars: | 2024-10-07 | by ( Lauren Salles Gumpert | ) www.businessinsider.com time to read: +5 min

We thought replacing our carpets with vinyl-plank flooring would be pretty easy and cost $6,000. We consulted specialists at a home-improvement chain, got measurements and estimates, and chose our luxury vinyl-plank flooring. Lauren Salles GumpertThis project wasn't done once our vinyl-plank flooring was put down. AdvertisementAlso, the vinyl flooring keeps our downstairs much cooler than our carpeted upstairs, where our bedrooms are. And if I'm being honest, my young kids would've preferred the soft carpet to the harder vinyl floors, which I now cover with rugs, anyway.

Persons: we'd, —, that's, Lauren Salles Gumpert, we've, it's, would've Organizations: Service

☆ Jim Cramer counters Amazon and Apple downgrades
▼ + stars: | 2024-10-07 | by ( Julie Coleman | ) www.cnbc.com time to read: +2 min

CNBC's Jim Cramer told investors not to get caught up in downgrades or general trading on Wall Street, reiterating his stance that there's merit to sticking with solid companies even if their share prices fluctuate. "If you listen to the downgrades, though, you'll never recover with it." Cramer said Monday had a "ridiculous plethora of sell-side downgrades," where the Dow Jones Industrial Average dipped 0.94%, the S&P 500 shed 0.96% and the Nasdaq Composite declined 1.18%. Although he acknowledged that Amazon is facing some hurdles, he disagreed with Wells Fargo's downgrade of the stock. "But if you're managing your own money, you should not be listening to all of this trading advice.

Persons: CNBC's Jim Cramer, you'll, Cramer, heeding, Wells, it's, Jeffries Organizations: Wall, Dow Jones, Nasdaq, Apple Locations: downgrades

☆ Millennials and Gen X Are Figuring Out What to Do With Boomers' Stuff
▼ + stars: | 2024-10-07 | by ( Emily Stewart | ) www.businessinsider.com time to read: +15 min

AdvertisementIn short, boomers love stuff, and not just their stuff. They held on to their parents' stuff when they inherited it, and a lot of them are sitting with their kids' stuff in their attics now, too. The market value of the object and the sentimental value don't always go hand in hand. "I often emphasize the idea that the market value of the object and the sentimental value don't always go hand in hand," he said. Remember, it takes a lot of stuff to live a full life — and it's hard to let go of it.

Persons: Dale Sperling's, Sperling, it's, they're, It's, they've, Gen Xers, Gen Zers, Sarah Hersh, Ben Hersh, — you'll, Mary Kay Buysse, They're, Hummel, Mindy Godding, you've, Godding, Elizabeth Hirsh, Wen Stone, Janelle, Ben Miller, they'll, Miller, Stephanie Preston, Buysse, we've, —, Janelle Stone, I've, that's, she's, doesn't, downsizers, Cameron Huddleston, Let's, Emily Stewart Organizations: Facebook, National Association of Senior, Boomers, University of Michigan, eBay, Business Locations: New York City, New Jersey, North Carolina, Dallas, downsizers, New York

Learn moreThe American Music Awards, or AMAs, are back to celebrate their 50th anniversary. We'll show you everything you need to know about where to watch the American Music Awards 50th Anniversary Special, including what channel it airs on and how to live stream it without cable. Where to watch the American Music Awards 50th Anniversary Special in the USThe American Music Awards 50th Anniversary Special will air on CBS on Sunday, October 6, at 8 p.m. Check price at FuboHow to watch the American Music Awards 50th Anniversary Special from anywhereEven if you're traveling away from home, you can still catch the anniversary special with your subscriptions by using a VPN (virtual private network). Check price at ExpressVPNHow to watch the American Music Awards 50th Anniversary Special with a VPNSign up for a VPN if you don't have one.

Persons: Dick Clark, Cedric The, Kate Hudson, Reba McEntire, Samuel L, Jackson, Gladys Knight, Nelly, Jennifer Hudson, Jennifer Lopez, Mariah Carey, Fubo, ExpressVPN Organizations: Business, Green, American, CBS, Paramount, DirecTV, Showtime, Paramount Plus, Nickelodeon, Comedy Central, BET, MTV, DirecTV Stream

☆ I worked as a wealth advisor for Goldman Sachs. Here's what I learned from how the super rich manage their money.
▼ + stars: | 2024-10-06 | by ( Ella Hopkins | ) www.businessinsider.com time to read: +8 min

Ayesha Ofori worked in wealth management for Goldman Sachs for six years. AdvertisementThis as-told-to essay is based on a transcribed conversation with 40-year-old Ayesha Ofori, CEO of Propelle, from London, about her experience working at Goldman Sachs. If you'd asked me what success looked like at the time, it would've been being a partner at Goldman Sachs. AdvertisementSaving money isn't enoughWhen I was at Goldman Sachs, I noticed we didn't have many women clients. When I worked at Goldman Sachs, I was focused on paying off my student loans and saving money.

Persons: Ayesha Ofori, Goldman Sachs, Ofori, —, Goldman, I'd, you'd, would've, I'm, It's, I've, you'll Organizations: Service, Goldman Sachs, Business, Columbia Business School, Goldman, Invest Locations: London, New York

☆ Asking this 1 question can get people to trust you, says bestselling author: It’s ‘such a common misunderstanding’
▼ + stars: | 2024-10-06 | by ( Ashton Jackson | ) www.cnbc.com time to read: +3 min

Bestselling author and leadership expert Simon Sinek recommends asking one simple question to help people trust you: Can you help me out? Think about the last time a friend of yours needed advice or guidance, but never asked you for it. Trust is built when a person still makes an effort to ask for help, even when they don't want to, Sinek said. They see vulnerability as a strength and a means to build deeper connections," Woo wrote for CNBC Make It in July. "Try to create this team of helpers, so that asking for help later on when you really need it isn't such a big deal," Bouchard said.

Persons: Simon Sinek, Sinek, Trevor Noah, Haven't, I've, Jenny Woo, Woo, M, Nora Bouchard, Bouchard, " Bouchard, Get Organizations: CNBC

Since the Fed will likely be able to take a slower approach to lowering rates, mortgage rates are unlikely to go down further this year. Current 30-Year Mortgage RatesAverage 30-year mortgage rates are around 6%, according to Zillow data. In September, 30-year refinance rates averaged 5.89%, while 15-year refinance rates were around 5.19%. Mortgage rates are determined by a variety of different factors, including larger economic trends, Federal Reserve policy, your state's current mortgage rates, the type of loan you're getting, and your personal financial profile. Now that the Fed has cut rates, mortgage rates may not drop much in October.

Persons: they're, you'll, Freddie Mac, it's, they've Organizations: Bureau of Labor Statistics, Federal, Zillow, Fed Locations: U.S, Chevron

☆ Rich millennials like Leo from 'LIB' can come off as arrogant when talking about their wealth — but there's a better way to disclose your income on dates
▼ + stars: | 2024-10-05 | by ( Julia Pugachevsky | Palmer Haasch | ) www.businessinsider.com time to read: +7 min

Leo is an art dealer who appears in "Love Is Blind" season seven. AdvertisementWarning: This post contains spoilers for "Love Is Blind" season seven through episode six. He inherited a family art dealing business at a young age after several of his family members died of cancer. Leo has a conversation with some other male cast members on "Love Is Blind" season seven. AdvertisementThe next batch of "Love Is Blind" season seven episodes will be released Wednesday, October 9 on Netflix.

Persons: Leo, —, you'll, doesn't, he's, Hannah, Amanda Clayman, Clayman, I'm, Kristin Papa, it's, Papa, Brittany, isn't Organizations: Service, Art Basel, Business, Netflix Locations: Washington, DC, Brittany

☆ Invasion of the dogs: How surging canine ownership is reshaping cities and businesses
▼ + stars: | 2024-10-05 | by ( Juliana Kaplan | Eliza Relman | ) www.businessinsider.com time to read: +14 min

The Dog Bar — a sprawling dog venue in Saint Petersburg, Florida —has had at least six (human) proposals, and one wedding. AdvertisementVirtually all US pet owners now say their furry companions are part of their family — up from 86% of dog owners and 78% of cat owners in 2006. "The dog today is not the dog of 10 years ago," Bobby Boivin, the co-owner of Boo's Dog Bar in Sarasota, Florida, said. And so we do that once or twice a year at Dog Bar." After adopting two puppies, he fell in love with a dog bar in his neighborhood.

Persons: —, Saint Petersburg , Florida —, It's, Kendal Kulp, Bobby Boivin, Stephanie Marble, Marble, Kyle Cissel, aren't, Cissel, Tara Downs, she's, Fred Metzler, Metzler, Luke Silverman, Stephanie Chez, Silverman, Kevin Knutson, Knutson, Kulp, they'd, That's, that's Organizations: Service, National Association of Realtors, Wall Street, American Pet Products Association, IKEA Locations: Saint Petersburg , Florida, Asheville , North Carolina, Sarasota , Florida, Florida, Santa, Washington, DC, Colorado, St . Petersburg , Florida, Sephora, Minnesota, Wagbar

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 near 6%, according to Zillow data. 15-Year Mortgage Rates TodayAverage 15-year mortgage rates are in the low 5% range, according to Zillow data. Average Refinance Mortgage Rates TodayRefinance rates are a bit higher today after dropping in September. Last month, 30-year refinance rates averaged 5.89%, while 15-year refinance rates were around 5.19%.

Persons: they've, you'll, Freddie Mac, it's, refinance Organizations: of Labor Statistics, Labor, Federal Reserve, Zillow, Fed Locations: U.S, Chevron

☆ A Swiss town borders 2 other countries, making it the ideal base for exploring. Here's what 6 days in Basel were like.
▼ + stars: | 2024-10-05 | by ( Monica Humphries | ) www.businessinsider.com time to read: +7 min

I spent six days in the Swiss city of Basel, exploring the town's rich art scene. AdvertisementWhen you land in Basel, Switzerland, you land in a Swiss fantasy. I had arrived for its biggest art celebration: Art Basel, an international fair where 250 gallerists feature 4,000 artists. Monica Humphries/Business InsiderHere, I tracked down French pastries, hopped on a trolly tour, and got lost in the picturesque streets. The one thing I feel I missed during my Basel trip was a visit to Germany.

Persons: —, Monica Humphries, Jean Tinguely's, Pablo Picasso, Henri Matisse, Julio Le Parc's, Queen Elizabeth II, it's, I've Organizations: Service, Basel, Kunstmuseum Basel, DJ, Basel would've Locations: Swiss, Basel, France, Germany, Switzerland, It's, Basel's Klybeck, Klybeck, Miami, Bushwick , Brooklyn, Colmar, Alsace, Kandersteg, Titisee, Baden, Europa, France's, Bern, Lucerne

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