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☆ Julia Fox gave a charming tour of her apartment on TikTok and revealed she lives with two roommates: her son and a mouse
▼ + stars: | 2023-01-26 | by ( Kieran Press-Reynolds | ) www.businessinsider.com time to read: +3 min

Julia Fox gave a tour of her NYC apartment, which fans found to be shockingly "normal." She also said her apartment has a mouse problem, although she joked about how they help clean up crumbs. @juliafox Come with me on a very underwhelming apartment tour! She ends the tour by saying she has a mouse problem, although she's completely unbothered by it. The comments are filled with fans in disbelief that her apartment wasn't as luxurious or ornate as they expected.

☆ Here's what you need to know about crypto's current price surge: Traders share bitcoin price estimates and how they think this rally will play out
▼ + stars: | 2023-01-19 | by ( Laila Maidan | ) www.businessinsider.com time to read: +5 min

Bitcoin's price has rallied, up by 30% since its December low. This reduces the number of new coins being created, which tightens supply and kicks up demand, sending bitcoin's price spiking. He added that a real bull rally will only kick off within six months of the next bitcoin halving. Since market trading volume has been low relative to 2021, it doesn't take much to push the market in any direction, he said. Bitcoin's price plunged by 3.4% that afternoon before slightly recovering on Thursday.

The House Judiciary Committee announced Friday it's opened an investigation into the Obama-era classified documents that were found in President Joe Biden's Delaware home and his former Washington office. The White House acknowledged Thursday that classified documents dating back to Biden's time as vice president had been discovered in his garage in Delaware. Jordan and Johnson also renewed a request for information on the Trump investigation they made last year, when the committee was controlled by Democrats. "On August 15, 2022, Committee Republicans wrote to you and FBI Director Christopher Wray requesting documents and information related to the FBI’s raid of President Trump’s residence. The Justice Department has confirmed receipt of the letter but declined a request for comment.

☆ Wharton professor Jeremy Siegel says stocks are on the cusp of a new bull market
▼ + stars: | 2023-01-13 | by ( Matthew Fox | ) www.businessinsider.com time to read: +3 min

Wharton professor Jeremy Siegel believes the stock market is on the cusp of a new bull market. Siegel thinks most of Wall Street is too bearish on stocks as they expect a big sell-off in the first half of 2023. "When everyone is on one side, they're usually wrong," Siegel told CNBC on Friday. Aside from the contrarian nature of Siegel's bullish market call, he does see other reasons for stocks to move higher this year. And even if a mild recession hits the economy, it could already be priced into the market given its steep decline in 2022, Siegel said.

☆ 2 brothers quit their Wall Street jobs to build ETFs that help everyday investors reach their money goals. They explain how a Ray Dalio-inspired strategy helped their funds outperform the S&P 500 in 2
▼ + stars: | 2023-01-12 | by ( Kathleen Elkins | ) www.businessinsider.com time to read: +10 min

Brothers Taylor and Brett Sohns have worked on Wall Street for most of their careers. These parameters can be found in what's called the "prospectus," which is a document that outlines the ETF's investment strategy and potential risk. Consider the process of buying cereal, explained Taylor: "Say you want Lucky Charms. The S&P 500 is down about 18% year-to-date, so we're outperforming that by about 5%," explained Taylor. While you may not do exceptionally well, you'll also never do exceptionally bad, explained Taylor: "In a rip-roaring up market, his product and our product will underperform.

☆ Biden's mishandling of classified records isn't as legally perilous as Trump's, but may pose serious national security risks
▼ + stars: | 2023-01-11 | by ( Sonam Sheth | ) www.businessinsider.com time to read: +9 min

Trump's former White House lawyer told Insider that AG Garland should appoint a special counsel to investigate Biden. A source familiar with the matter told CNN that Lausch has finished the initial part of his investigation and presented his preliminary findings to Garland. Still, he criticized the White House for waiting more than two months to disclose the existence of the inquiry. "It appears that at least two of the aggravating factors, obstruction and willfulness, are present in the Trump case, but absent in the Biden case." Cobb, Trump's former White House counsel, went further, saying that drawing a distinction between the two cases is akin to "putting lipstick on a pig."

☆ Homebuyers will be able to get bigger mortgages in 2023 but it could be a bad idea for Americans to stretch their budgets too far
▼ + stars: | 2023-01-05 | by ( Alcynna Lloyd | ) www.businessinsider.com time to read: +6 min

The Federal Housing Finance Agency raised its conforming loan limit values for mortgages in 2023. In most of the US, the agency raised the conforming loan value from $647,200 to $726,200. However, updates from The Federal Housing Finance Agency, which has increased its conforming loan limit values for Fannie Mae and Freddie Mac mortgages in 2023, will likely change the equation for many homebuyers. However, in high-cost areas of the country, such as New York City or San Francisco, the loan limit ceiling has been changed to $1,089,300. Higher loan limits are a double edged sword for first-time buyersCohn is not alone in her thinking.

☆ The Citi Diamond Preferred card — a top choice for balance transfers — is offering a rare $150 welcome bonus, but it's your last chance to apply
▼ + stars: | 2023-01-04 | by ( Jasmin Baron | Read More | Read Less | ) www.businessinsider.com time to read: +14 min

Citi; Gilbert Espinoza/Business InsiderThe Citi® Diamond Preferred® Card comes with an excellent introductory 0% APR offer. The downside: The Citi® Diamond Preferred® Card doesn't earn rewards on spending, and usually doesn't offer a welcome bonus. Insider's Featured Intro APR Credit Cards Discover it® Balance TransferCiti® Diamond Preferred® CardWells Fargo Reflect® Card Chevron icon It indicates an expandable section or menu, or sometimes previous / next navigation options. Very long intro APR period for balance transfers Check mark icon A check mark. More Information 0% Intro APR for 21 months on balance transfers from date of first transfer and 0% Intro APR for 12 months on purchases from date of account opening.

☆ 15 reasons why you aren't hearing back during your job search, based on where you are in the process
▼ + stars: | 2022-12-30 | by ( Lily Zhang | The Muse | ) www.businessinsider.com time to read: +17 min

Here are 15 reasons you might not be getting hired and how you can fix them — broken down by when in the job search you're running into trouble. You're not telling people about your job searchYou probably already know you're supposed to be networking when you're job searching. If you're getting multiple interviews but not getting offers11. You have the skills but not the storyYou have all the right skills, you're applying for the right jobs, you're passing the screens and early interviews — and yet, no offers. Job searches take time, and it will be worth the effort once you land the right job.

☆ I got into Y Combinator as a solo founder and left with a $4.5 million investment. Here's how I got in on my second try and what it was like.
▼ + stars: | 2022-12-28 | by ( Claire Turrell | ) www.businessinsider.com time to read: +6 min

Kathryn Cross is the founder of Anja Health, a cord blood bank that freezes stem cells for future disease treatment purposes. I first heard about the startup accelerator Y Combinator when I was studying at Wellesley College and taking entrepreneurship classes at MIT. Many of the founders living in the house were in Y Combinator, and they told me how beneficial it was. I left my job with Publicis Sapient in June 2021 to begin working full-time for Anja Health. Did you go through Y Combinator and have a story to tell?

☆ A top private equity investor predicts Big Tech will acquire a health company to defend against the recession, and 3 other M&A drivers in 2023
▼ + stars: | 2022-12-28 | by ( Blake Dodge | ) www.businessinsider.com time to read: +4 min

He predicted a wave of consolidation in digital health due to the economic downturn. He also said a big tech or retail company may be interested in a healthcare purchase. The market volatility has made it harder to predict healthcare startups' financial futures and valuations, critical components of M&A, he told Insider. As for what type of healthcare companies tech firms will actually acquire, Gregory said it could be those that sell health records, primary care, or Medicare Advantage plans. Missy Krasner, a top digital health investor, echoed this prediction to Insider, saying that Alphabet, Salesforce, or Amazon could move to acquire a company that has patient health records.

☆ We live in the era of salary transparency. But finding out what a job really pays is harder than ever.
▼ + stars: | 2022-12-27 | by ( Rebecca Knight | ) www.businessinsider.com time to read: +5 min

Salary-transparency laws are increasingly common, but finding out what a job really pays is hard. New York, Nevada, Colorado, and Connecticut already have laws that require organizations to advertise a pay range for open positions up-front. So, how can jobseekers uncover what organizations pay? Could you please share the salary range offered for this position?" Academy of ManagementResearch shows that hiring managers are less likely to hire candidates who ask about salary and perks during job interviews.

☆ Asking about pay in a job interview makes you less likely to get hired
▼ + stars: | 2022-12-26 | by ( Rebecca Knight | ) www.businessinsider.com time to read: +5 min

Research has found managers are less likely to hire people who ask about pay in job interviews. Asking about pay can make managers think you care more about the rewards than the actual job. The upshot for job seekers: Be patient. But research suggests that that's exactly how hiring managers will perceive you if you ask about pay and perks. The upshot for job seekers is that patience and restraint are key.

Then, I started receiving gift cards from people occasionally and found that I love this idea as a gift. 5 practical reasons I like to give gift cardsSome people may think gift cards are losing their charm, but I disagree. I can get gift cards at a discount that stretches my budget furtherI love to get gift cards from Amazon, Walmart, and Target at a discount thanks to holiday sales. Walmart also has discounted gift cards for popular retailers and restaurants, like buying a $25 gift card for $20. I don't buy gift cards for everyoneThe truth is, most people want cash or gift cards for Christmas, but may not admit it out loud.

Average 30-year fixed mortgage rates have increased slightly after holding steady below 6% for several days. 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 fixed mortgage ratesThe current average 30-year fixed mortgage rate is 6.31%, according to Freddie Mac. 15-year fixed mortgage ratesThe average 15-year fixed mortgage rate is 5.54%, a decrease from the prior week, according to Freddie Mac data. Mortgage rates started ticking up from historic lows in the second half of 2021 and have increased over three percentage points since January 2022.

I figure out which restaurant or retailer they like, purchase a gift card, and gift the card to them. Featured Partner Offer Cash App - Send Gift Cards to Friends and Family Instantly A tooltip *Cash App is a financial platform, not a bank. Gift cards can score deals for the giver, tooSo many retailers and restaurants offer bonuses when you purchase a gift card. I buy them a gift card, and in return, I get another gift card for myself and my wife. My home is still divided on whether or not gift cards are the best gift to give.

☆ Investors won't see big returns on stocks 2023 if a Santa rally doesn't happen before the new year.
▼ + stars: | 2022-12-21 | by ( Phil Rosen | ) www.businessinsider.com time to read: +5 min

The S&P 500 is down about 19% on the year, and those losses could spill over into the new year if stocks don't see the usual holiday rally. But if the S&P 500 misses that final rally, that bodes poorly for rebound odds in 2023. The lack of a holiday rally so far suggests that more rocky markets await when the calendars change. Recall that while the S&P 500 tumbled 37% in 2008, it rebounded 26% in 2009. What's your stock market outlook for 2023?

☆ The worst earnings recession since 2008 could hit stocks next year, Morgan Stanley chief equity strategist Mike Wilson says
▼ + stars: | 2022-12-19 | by ( Jennifer Sor | ) www.businessinsider.com time to read: +3 min

Stocks could be hit next year by the worst earnings recession since 2008, according to Morgan Stanley's Mike Wilson. "We're looking for an earnings recession that could be as big of a surprise to the market as it was in '08." An earnings recession is likely not priced into the market yet, Wilson said, warning investors of more downside to come. download the app Email address By clicking ‘Sign up’, you agree to receive marketing emails from Insider as well as other partner offers and accept our Terms of Service and Privacy PolicyThe worst earnings recession since 2008 could hit stocks next year, according to Morgan Stanley chief equity strategist Mike Wilson. "We're looking for an earnings recession that could be as big of a surprise to the market as it was in '08," Wilson said.

☆ Hate Elon Musk all you want, but he's got one management trick that every boss should emulate
▼ + stars: | 2022-12-13 | by ( Ed Zitron | ) www.businessinsider.com time to read: +12 min

Managers have become alarmingly distanced from the average worker, making calls based on guesses that aren't informed by actual labor. Musk has demanded that managers are able to create "good code" yet does not appear to be much of a coder himself. Jackson Palmer, a cocreator of dogecoin, said Musk was a "grifter" who "had trouble running basic code" in their interactions. He's targeted critical teams at Twitter and pushed others to quit, which have resulted in a huge upswing in hate speech on the platform. In fact, by his own logic of how managers can contribute to the company, Musk should be summarily firing himself any day now.

☆ Struggling sneaker brand Vans is trying to lure millennials away from Nike and other brands with nostalgia, high heat collabs, and better arch support
▼ + stars: | 2022-12-13 | by ( Danni Santana | ) www.businessinsider.com time to read: +6 min

But Harrer, who joined Vans from Dollar Shave Club in April 2021, noted that Vans wasn't reminding people about those classic shoes. Vans stopped marketing its classic sneakers for some time before resuming earlier this year with the "Classic Since Forever" campaign. "Our top-tier limited-distribution footwear, which you may know as Vans Vault, has previously met the needs of influential footwear-trend accounts in the past," he said. With Vans Vault, the company takes classic shoes and collaborates with popular designers and boutiques on new colorways. Vans Vault releases compete with Nike, Adidas, Converse, and others for the general sneaker lover.

☆ Sen. Sinema's switch to Independent will not impact Democrats' control of the chamber, representatives say
▼ + stars: | 2022-12-11 | by ( Ashley Capoot | ) www.cnbc.com time to read: +3 min

Arizona Sen. Kyrsten Sinema announced her decision on Friday to leave the Democrats and register as an independent, but many members of Congress have said the switch likely won't impact the Democrats' narrow control of the U.S. Senate. The pair have been wild cards for Democrats since the party gained narrow control of the Senate from Republicans in 2020. In a tweet Friday, Sinema said her decision to switch parties was a "natural extension" of her service. "I think whether she's a Democrat or a Republican, that really doesn't matter," the Democrat told NBC's "Meet the Press." By keeping her assignments, Sinema signaled she intends to continue to caucus with Democrats as an independent.

☆ Kyrsten Sinema's bombshell split from the Democratic Party could be more about sidestepping a tough 2024 primary than a principled stand against partisanship
▼ + stars: | 2022-12-09 | by ( Bryan Metzger | Nicole Gaudiano | ) www.businessinsider.com time to read: +7 min

But the decision means she'll avoid what likely would've been a bruising Democratic primary campaign. That means her decision may be as much about side-stepping what was expected to be a tough Senate primary campaign in 2024 as it is a principled stand against partisan politics. In a statement on Friday, Senate Majority Leader Chuck Schumer made clear that the party's functional 51-49 majority next year would remain. Unfortunately, Senator Sinema is once again putting her own interests ahead of getting things done for Arizonans." As Senate majority leader, Schumer has control of who serves on committees in the chamber.

☆ Jim Cramer says Costco is a buy, Lululemon is a wait-and-see
▼ + stars: | 2022-12-09 | by ( Krystal Hur | ) www.cnbc.com time to read: +1 min

In this article COSTLULU Follow your favorite stocks CREATE FREE ACCOUNTLululemon AthleticaLoading chart...Shares of Lululemon tumbled over 12% on Friday. Cramer said that the main problem with Lululemon was that its strength was already baked into its stock price going into the quarter, meaning that it tumbled when the company failed to report perfect results. Costco WholesaleLoading chart...Shares of Costco inched up 0.33% on Friday. Unlike Lululemon, Wall Street underestimated the company's ability to churn out a solid quarter, according to Cramer. "I think you should be buying Costco if you don't already own it.

☆ Reaction to China loosening COVID restrictions
▼ + stars: | 2022-12-07 | by ( ) www.reuters.com time to read: +4 min

Here's what people are saying about the latest moves to ease China's COVID curbs;FRANK BENZIMRA, HEAD OF ASIA EQUITY STRATEGY, SOCIETE GENERALE, HONG KONG"MSCI China has rebounded nicely, valuations have risen and can very gradually normalise. "The next checkpoint will be Chinese New Year; I think markets are looking for further relaxation to facilitate return to their hometowns by Chinese New Year." MITUL KOTECHA, HEAD OF EMERGING MARKETS STRATEGY, TD SECURITIES, SINGAPORE"These are significant steps, and the reality is the current policy had become very difficult to administer given how widespread COVID is in the country. SAKTIANDI SUPAAT, REGIONAL HEAD OF FX RESEARCH & STRATEGY, MAYBANK, SINGAPORE"I think markets have, in some ways, priced in that element (of further easing). I mean, it's better for China to deregulate its COVID restrictions but even if it's a booster for the Chinese economy and commodity prices, that will work negatively for a Fed pause because it tightens monetary conditions."

☆ Reaction to China relaxing COVID restrictions in major policy shift
▼ + stars: | 2022-12-07 | by ( ) www.reuters.com time to read: +6 min

REDMOND WONG, GREATER CHINA MARKET STRATEGIST, SAXO MARKETS, HONG KONG"The 10 new measures are underwhelming, given the high expectations. GARY NG, ECONOMIST, NATIXIS, HONG KONG"The latest announcements show China is determined to speed up its reopening due to economic pressure. It is likely to see upswings cyclically in business sentiment from suppressed demand, especially in sectors heavily affected by the covid restrictions. "The next checkpoint will be Chinese New Year; I think markets are looking for further relaxation to facilitate return to their hometowns by Chinese New Year." SAKTIANDI SUPAAT, REGIONAL HEAD OF FX RESEARCH & STRATEGY, MAYBANK, SINGAPORE"I think markets have, in some ways, priced in that element (of further easing).

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