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☆ 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

☆ Why a disaster ‘go bag’ can mean the difference between life or death
▼ + stars: | 2024-10-07 | by ( Matt Villano | ) edition.cnn.com time to read: +7 min

Perhaps the most important thing to bring with you: a “go bag” full of emergency supplies. Go bags exist to save you from having to run around and gather items when a threatening situation is imminent. The contents of a family’s go bag could mean the difference between life or death, depending on how bad a situation becomes, according to Jonathan Sury, senior staff associate at the National Center for Disaster Preparedness, or NCDP, at Columbia Climate School. Your must-havesMost of the items disaster preparedness experts suggest you include in a go bag are things you can find around your house. Just because someone puts together a “go bag” does not mean that person is prepared, Montano warned.

Persons: Jonathan Sury, ” Sury, Sury, Samantha Montano, “, ” Montano, Eric Alberts, ”, it’s, you’ve, Rosie Monson, Alexander, Monson, ” Monson, Montano, Matt Villano Organizations: CNN, National Center for Disaster Preparedness, Columbia Climate School, Federal Emergency Management Agency, Swiss Army, Massachusetts Maritime Academy, Orlando Health, Nintendo Locations: Florida, Columbia, Sonoma County , California, Northern California

☆ A couple took 31 trips to Orlando and vacationed at Walt Disney World using government funds, prosecutors say
▼ + stars: | 2024-10-06 | by ( Lauren Edmonds | ) www.businessinsider.com time to read: +3 min

They took 31 trips to Orlando, where they "spent time at the pool and Disney parks," the DOJ said. AdvertisementAn Army contractor and his girlfriend used government funds to finance personal vacations across the country, including 31 trips to Orlando, federal prosecutors say. A federal judge sentenced Chantelle Boyd, 53, on October 2 to six months of home confinement and two years of supervised release. A judge sentenced Bouchard in August to 12 months and one day in prison, then one year of supervised release. "For many of the trips, Bouchard and Boyd stayed in the same hotel room and spent time at the pool and Disney parks — all during business hours," federal prosecutors said.

Persons: —, Chantelle Boyd, Thomas Bouchard, Boyd, Bouchard, " Bouchard Organizations: Army, DOJ, Service, Justice Department, US Army Natick Contracting, Defense Department, US Attorney's, Massachusetts, Business, The Defense Department, US Army Locations: Orlando, Massachusetts, Maryland , Virginia , Alabama, Clearwater , Florida

☆ Illinois is considering a 3% tax on millionaires to solve the state's skyrocketing property tax problem
▼ + stars: | 2024-10-06 | by ( Kenneth Niemeyer | ) www.businessinsider.com time to read: +3 min

The governor says the tax could generate $4.5 billion annually and alleviate high property taxes. Illinois has the second-highest property taxes in the US. State leaders say it could alleviate the burden of high property taxes on the average resident. Illinois has the second-highest property taxes in the United States, according to the Tax Foundation, a tax policy nonprofit. "South suburban homeowners already pay some of the highest property taxes in the county, and these increases will make paying those bills even more difficult."

Persons: —, JB Pritzker's, Maria Pappas, Pappas, Pat Quinn, Quinn, WBEZ Organizations: Service, Illinois Gov, JB, Tax Foundation, Former Illinois Gov Locations: Illinois, WBEZ, Massachusetts . Massachusetts, United States, Cook County, Chicago

☆ Dani’s Queer Bar opens in Boston, giving Beantown its first lesbian bar in decades
▼ + stars: | 2024-10-04 | by ( Ellie Rudy | ) www.nbcnews.com time to read: +5 min

Dani’s Queer Bar opened its doors to Boston’s LGBTQ community last month, giving the city its first lesbian bar in decades. The venue joins a yearslong “lesbian bar renaissance” that has seen more than a dozen bars for queer women open across the country since the height of the Covid pandemic. After delays caused by permitting issues, Dani’s Queer Bar — reportedly named after Rocha’s American Eskimo pup — finally opened Sept. 12. There was kind of like a hole, so I think [Dani’s] is really filling a need here in our city.”Stevie Dickie and her girlfriend, Jace Williams, pose in front of a mural outside Dani’s Queer Bar. A neon sign adorns an exposed brick wall at Dani’s Queer Bar in Boston.

Persons: ”, Thais Rocha, ” Rocha, “, Rocha, Michelle Wu’s, —, Stevie Dickie, Jace Williams, Dickie, ” Dickie, ” Stevie Dickie, Stevie Dickey, hadn’t, Erica Rose, Rose, Renee Gannon, Amanda Pollock, Gannon, Renee Gannon Kristen Porter, Kristen Porter, Porter, she’s Organizations: Bar, WGBH, ”, Economic, NBC, The, United States Locations: Boston, U.S, Dani’s, Massachusetts, Ipswich, Boylston, Boston’s Back

Housing is one of many issues Vance, the Republican nominee, believes are rooted in the arrival of undocumented migrants in America. But many economists caution that connecting rising numbers of immigrants to housing costs is no simple thing. Other economists have noted links between immigrants and increased housing costs. Vance later shared two studies on housing and immigration that showed a link between increased immigration and rising housing costs — though each offered various caveats, including noting that the impact changes over time. Indeed, Zillow data shows a clear upward trend in Springfield rents this year compared with 2023.

Persons: America’s, Sen, JD Vance, Tim Walz, Vance, you’ve, ” Vance, Donald Trump, Walz, ”, ” Walz, Kamala Harris, Ernie Tedeschi, Joe Biden, Vance’s, Michelle Bowman, Chris Herbert, Herbert, Sharon Cornelissen, Bryan Heck, Democratic Sen, Sherrod Brown, Heck, ” Heck Organizations: Minnesota Gov, Republican, CBS, Democratic, NBC, White House, Federal, Cato Institute, Harvard University’s, for Housing Studies, Consumer Federation of America, NBC Boston Locations: Ohio, America, Springfield , Ohio, U.S, New York City, Los Angeles, Dearborn, Hamtramck, Detroit, Brockton , Massachusetts, Haiti, Cape Verde, Central, South America, Springfield, Washington

But investing in the stock market should be boring rather than exciting. While some hands-on traders approach betting on the stock market similarly to betting money on sports, the truth is they should have very little in common. Compared to sports betting, investing in the stock market should be "non-adrenaline focused," Egan said. While an explosion of confetti might make trading stocks more entertaining, investing in the stock market should be boring. Historically, the average stock market return is about 10% each year.

Persons: —, Dan Egan, Egan, Robinhood, doesn't, you'll, Ally Invest Organizations: Sports, Service, University of California, University of Southern, SoFi, Ally Locations: Massachusetts, Los Angeles, University of Southern California

For the whole U.S., the median rent is $1,406 and the median mortgage payment is $1,904. Cost of living comparison: Renting vs. buying by stateIn the U.S., the median rent is $1,406 and the median monthly mortgage payment is $1,904. In New York City, for example, median rent is $1,748, making it more expensive than most states, even though New York state's median rent is only $1,561. Median rent costs as a percentage of incomeIt's important to keep in mind that income also varies from state to state. Methodology: How we determined rent and mortgage costsOur median rent, household income, and mortgage payment data comes from the Census Bureau's 2023 American Community Survey 1-year estimates.

Persons: You'll, you'll, Grace, Molly Grace, Molly, Read Organizations: Hampshire, Dakota, Rhode, West Virginia, Alabama, Colorado, Indiana, Iowa, Maryland, Michigan, Montana, Nebraska, Tennessee, Washington, Survey, Business, Rocket Companies, Indiana University Locations: West Virginia , Mississippi, North Dakota, South Dakota, Kentucky, West Virginia , Arkansas , Mississippi , Indiana, Alabama, U.S, Alaska, Arizona, Arkansas, California, Colorado, Connecticut, Washington, Delaware, Florida, Georgia, Hawaii, Idaho, Illinois, Indiana, Iowa, Kansas, Louisiana, Maine, Maryland, Massachusetts, Michigan, Minnesota, Mississippi, Missouri, Montana, Nebraska, Nevada, Jersey, Mexico, York, Carolina, Ohio, Oklahoma, Oregon, Pennsylvania, Tennessee, Texas, Utah, Vermont, Virginia, Wisconsin, Wyoming, West Virginia, Dakota, New York City, New York, Hampshire

World of Hyatt Loyalty BenefitsThe World Of Hyatt Credit Card has valuable benefits for Hyatt loyalists. Hyatt Credit Card FeesAnnual FeeThe World Of Hyatt Credit Card has a $95 annual fee. Hyatt Credit Card ComparisonThe World Of Hyatt Credit Card is great for Hyatt loyalists. Learn more about the Marriott Bonvoy Boundless® Credit Card in our Marriott Bonvoy Boundless credit card review, and compare your options for Marriott hotel credit cards in our guide to the best Marriott Bonvoy credit cards right now. Hyatt Credit Card Frequently Asked QuestionsWhat are the main benefits of the World of Hyatt Credit Card?

Persons: You'll, Hyatt, —, you'll, we've, Hyatt Ziva Los Cabos, Hyatt Ziva Puerto, Marriott, Harlan Vaughn Harlan Vaughn, he’s, Harlan, Read, Angela Fung Organizations: Business, Hyatt Credit, Hyatt, Hyatt —, Chase, FDIC, Hyatt Credit Card, Hyatt loyalists, Regency Club, Hyatt Ziva Puerto Vallarta, Hyatt House, MGM, American Airlines, Marriott, Ink, Travelers, Hilton, Finance Locations: Hyatt, Hyatt.com, Austin, Tucson, Massachusetts, U.S, Dallas , Texas

☆ Additives to food often bypass FDA oversight, critics say
▼ + stars: | 2024-10-03 | by ( Sandee Lamotte | ) edition.cnn.com time to read: +14 min

Soon, Daily Harvest had narrowed its internal investigation to a new ingredient used for its high-protein content: tara flour. Tara flour is one of two products made from the seed pods of a thorny shrub native to Peru. The pods of the tara plant are used to make tara gum and tara flour. As some consumers had discovered, tara flour was not safe, the FDA decreed in May 2024 — nearly two years after the ingredient sickened hundreds. During that time, however, other manufacturers could have used the now-“unapproved food additive.”“This incident shows how broken our food regulatory system is.

Persons: Gwyneth Paltrow, Serena Williams, “ I’ve, ” Cory Silverstein, Silverstein, Luke Wesley Pearson, tara, we’ve, Rachel Drori, GRAS, —, It’s, ”, Pieter Cohen, Cohen, “, Tara, Tragically, Alexi Giannoulias, Sarah Gallo, “ GRAS, ” Gallo, Sarah Silbiger, Melanie Benesh, BVO, Giannoulias, Benesh, ” Benesh, Jim Jones, ” Jones, Thomas Galligan Organizations: CNN, Leek Crumbles, Harvest, CNN Business, Food and Drug Administration, FDA, Daily Harvest, Daily, Cambridge Health Alliance, The New England, of Medicine, Consumer Brands Association, Office, Natural Resources Defense Council, Environmental, Industry, Union, Illinois Food Safety, Illinois Senate, Getty, European Union, Human Foods, Center for Science, “ Locations: Peru, United States, Somerville , Massachusetts, The, California, Illinois, Jena

California is banning legacy admissions at private colleges and universities, ensuring that some of the country’s most selective schools will not favor applicants with familial or monetary connections to the schools. Gavin Newsom on Monday signed AB 1780 into law, prohibiting legacy and donor preferences in admissions at private, nonprofit institutions. Schools including Stanford University, the University of Southern California and Santa Clara University will now join the California State University system and other public institutions in the state that have long-banned legacy preferences. This is about making sure we’re leveling the playing field.”The law will affect schools with among the highest rates of legacy admissions — Stanford, USC and Santa Clara. In 2022, legacy admissions accounted for about 14 percent of Stanford and USC’s enrollment and about 13 percent at Santa Clara, according to Ting’s statement.

Persons: Gavin Newsom, ” Newsom, Phil Ting, “, ” Ting, they’ve, —, ”, Louis Organizations: Gov, Monday, Stanford University, University of Southern, Santa Clara University, California State University, University of North, Harvard, San, San Francisco Democrat, Hollywood, NBC News, — Stanford, USC, Stanford, ” Santa Clara, Amherst College, Massachusetts Institute of Technology, Washington University Locations: California, University of Southern California, University of North Carolina, San Francisco, Santa Clara, ” Santa, St

Best Personal Loans for Quick FundingHere are Business Insider's picks for the best personal loans for quick funding:Compare Personal Loan RatesTop Quick Personal Loan LendersLightStream personal loans are a solid choice for both relatively low interest rates and same-day funding. This lender topped our list of the best personal loans, and quick funding is yet another bonus. This lender also made Business Insider's list of best personal loans. Here is each company's score:Lender BBB Grade LightStream Personal Loan A Upstart Personal Loan A+ Avant Personal Loan A+ Best Egg Personal Loan A+ LendingPoint Personal Loan A+ Rocket Loans Personal Loan A+ OppLoans Personal Loan A+All of our top picks for quick personal loans are rated A or higher by the BBB. Find her on Twitter at @lizknueven Read more Read less Ryan Wangman, CEPF Loans Reporter Ryan Wangman was a reporter at Personal Finance Insider reporting on personal loans, student loans, student loan refinancing, debt consolidation, auto loans, RV loans, and boat loans.

Persons: doesn't, LendingPoint, aren't, You'll, Markia Brown, Ryan Wangman, Liz Knueven, Liz, Read, Elias Shaya, Elias Organizations: LightStream, Avant, West Virginia, Better Business Bureau, BBB, Credit, National Credit Union Administration, Chevron, The Savannah College of Art, Twitter, Finance, Northwestern University, Boston Globe Locations: Nevada, West, Iowa , Nevada, West Virginia, Massachusetts, Ohio, New Mexico, Georgia, Chevron, Cincinnati , Ohio, New York City

☆ States forge ahead with Inflation Reduction Act energy rebates — so far, South Dakota is the only one to opt out
▼ + stars: | 2024-09-30 | by ( Greg Iacurci | ) www.cnbc.com time to read: +4 min

South Dakota is not participatingSouth Dakota Gov. The $68.6 million of federal money that had been set aside for South Dakota rebates will be redistributed among participating states. Fury also noted this isn't the first time South Dakota has rejected federal spending. Bipartisan legislation to create an energy rebate program had existed almost a decade earlier, like the Home Star Energy Retrofit Act in 2010. Ron DeSantis in 2023 had vetoed the state's authority to spend about $5 million of federal funds to administer the energy rebate program.

Persons: I'm, Kara Saul, Rinaldi, Kristi Noem, Scott Olson, Ian Fury, Fury, Saul, Ron DeSantis, Robert Gauthier Organizations: New York, U.S . Department of Energy, AnnDyl, D.C, DOE, of Columbia, Energy, South Dakota Gov, Republican National Convention, Getty, Green, Gov, Republican, South Dakota Bureau of Finance, Management, Home Star Energy, Republican Gov, state's Department of Agriculture, Consumer Services, CNBC, Florida Gov, Los Angeles Times, Department of Agriculture Locations: Arizona, Maine, New Mexico, Rhode Island, Wisconsin, Washington, California , Colorado , Connecticut, Delaware, Florida, Georgia, Hawaii , Illinois , Indiana , Michigan, Minnesota , New Jersey , New Hampshire , Massachusetts, North Carolina , Oregon , Tennessee , Vermont, West Virginia, Dakota, South Dakota, Rinaldi . Florida

☆ Cannabis may soon be rescheduled as a less dangerous drug. 5 things you need to know
▼ + stars: | 2024-09-30 | by ( Andrea Kane | ) edition.cnn.com time to read: +6 min

That’s the technical term for reclassifying it as a less dangerous drug, which would loosen some restrictions around it at the federal level. Currently, cannabis is a Schedule I drug, under the Controlled Substance Act, alongside drugs such as heroin and LSD. Rescheduling cannabis is a complicated process. Gruber shares five things you need to know about cannabis’ possible reclassification. For example, she asked, would you want to use cannabis for medical reasons, recreation or a mix of the two?

Persons: Sanjay Gupta, Cannabis, Joe Biden, Staci Gruber, ” Gruber, Gruber, ”, “, Dr, Theodore Schwartz Organizations: CNN, US Department of Justice, US Drug Enforcement Administration, US Department of Health, Human Services, Harvard Medical School, DEA, Marijuana, Neuroscientific Discovery, McLean Hospital, “ Cannabis, Weill Cornell Medicine Locations: United States, Boston, Belmont , Massachusetts, New York

☆ 29-year-old runs a side hustle out of his van, brings in up to $9,700 a month: I only have to 'work three weeks out of the year'
▼ + stars: | 2024-09-30 | by ( Gili Malinsky | ) www.cnbc.com time to read: +2 min

When Kyle Stockford went a few months without selling a painting, he decided to pick up a side hustle. Stockford signed up to do similar gigs, making "$16 to $18 an hour," he says. 'I'm driving around this big van, and I'm not making any money with it'Stockford bought his van in 2018, during his final year at the Massachusetts College of Art and Design. After roughly a year on Taskrabbit, Stockford got "kind of antsy about the fact that I'm driving around this big van, and I'm not making any money with it," he says. 'I can work three weeks out of the year, make a bunch of money'

Persons: Kyle Stockford, Stockford, who'd, I'm Organizations: CNBC, Massachusetts College of Art, Northeastern University Locations: Boston, Massachusetts, Taskrabbit

Garza first became interested in genealogy when he and his father were migrant workers in Texas, listening to his father’s family stories during long hours picking carrots. “I’m not going to say I’m embarrassed or going to apologize for what they did, because I have ancestors on both sides,” Garza said. Courtesy Teresa Vega“Enslavement [and] genocide were designed to cut the ties that bind,” said Teresa Vega, an African American and Puerto Rican genealogist and public educator based in New York. “I had been to Puerto Rico before, but I reconnected with my Taíno and Afro Indigenous side,” Vega said. At that time she was like, ‘There’s no way I’m going to own a store selling candles,’” Garcia said.

Persons: Colombia —, South America —, Moises Garza, Garza, “ I’m, ” Garza, ” Gates, ”, Teresa Vega, George Graves, Sampson, “, ” Vega, ” Giselle Rivera, Flores, Giselle Rivera Flores Giselle Rivera, ” Rivera, Alexis Garcia, Princess Nokia, Garcia, Jerusalén Morales, ” Garcia, —, Selina Morales, “ Selina, ’ ” Garcia Organizations: Vega, Latina, Rivera, Botánica Locations: Cartagena, Colombia, South America, Colombian, New York, Texas, Mexican, Mexico, Ghana, Toronto, African American, Puerto Rican, Puerto Rico, Worcester , Massachusetts, Cameroon, Congo, Nigeria, Senegal, Mali, Benin, Latin America, Bronx, …

☆ Why the public cares so much about Oprah Winfrey’s body
▼ + stars: | 2024-09-29 | by ( Madeline Holcombe | ) edition.cnn.com time to read: +9 min

Such scrutiny is the product of diet culture, the influences and messages that affect how we eat, based on cultural pressure to attain an ideal body type, experts say. And with increasing changes in access to food, exercise and health care, people’s weight is becoming more out of their individual control, she added. A 2019 meta-analysis showed that more than 80% of weight loss is regained after five years. One idea is that diet culture keeps a check on power. Comments and criticisms you make about other people’s bodies also influence the way you feel about your own body, Conason said.

Persons: Oprah Winfrey, Whitney Trotter, Trotter —, —, Winfrey, Alexis Conason, ” Conason, Charles Bennet, Kimmie Singh, “, ” Singh, Trotter, Conason, ”, Chika, Anekwe, ” Anekwe, ’ ” Trotter, Bri Campos, Lizzo, Kelly Clarkson, Winfrey –, Singh, it’s, Campos, Oprah, ” Campos Organizations: CNN, Weight Center, Harvard Medical School Locations: New York City, New York, Austin , Texas, Massachusetts, Boston, Paramus , New Jersey

☆ Chinese adoptees say they feel conflicted after China announces end to international adoptions
▼ + stars: | 2024-09-28 | by ( Kimmy Yam | Kimmy Yam Is A Reporter For Nbc Asian America. | ) www.nbcnews.com time to read: +8 min

It comes after China greenlit international adoption in 1992, leading to roughly 160,000 Chinese children being adopted to other countries, with half going to the U.S. The slowed international adoption coincides with a 2016 reversal of China’s one-child policy, which limited each Chinese family to one child in order to control population growth. With the door closed on international adoption, Newton emphasized that in order for those currently in Chinese social welfare institutes to thrive in their birth country, they also need more support. “The situation truly is a little bit more complicated for these kids with intense disabilities, especially with the rising costs of living in China,” Newton said. Newton said adoptees are often seen as “perpetual children” whose points of view don’t need to be considered.

Persons: Maze Felix, ” Felix, they’re, Grace Newton, ” Newton, Newton, “, ’ ”, Mao Ning, ”, it’s, Monaco, adoptees, ” Monaco, didn’t, Katelyn Monaco, Felix, there’s, There’s Organizations: China, NBC News, Foreign, U.S, Research, Katelyn, Monaco, “ Locations: China, Cleveland, Beijing, Katelyn Monaco, Quincy , Massachusetts, Monaco, Los Angeles, Yangzhou, ’

☆ I moved 1,800 miles and took a 20% pay cut to live near my parents. It's a high-cost area, but they get to see our kids.
▼ + stars: | 2024-09-28 | by ( Jane Ridley | ) www.businessinsider.com time to read: +6 min

She swallowed a 20% pay cut and bought a house in a suburb with a much higher cost of living. My husband, Max, and I moved from Texas to Massachusetts in 2021 when our oldest son, Theo, was 1. In Texas, you pay federal taxes, property taxes, and sales taxes, but there is no state income tax. Guillois's parents enjoy looking after her older son, Theo. I had to take a pay cutMax's salary remained the same, but I was forced to take a 20% pay cut for an apples-to-apples job.

Persons: Kim Guillois, —, Max, Theo, Charlie, it's Organizations: Service, Texas, Logan International, Best, Business Locations: Texas, Massachusetts, France, Houston, Boston, Virginia, HOA, Europe

☆ 4 steps workers should take when their companies announce 5-day RTO, according to an employment lawyer
▼ + stars: | 2024-09-27 | by ( Jane Zhang | ) www.businessinsider.com time to read: +8 min

Companies requiring 5-day RTO will lose valuable employees, says Craig Levey, an employment lawyer. Levey lays out four steps employees can take if their company announces an RTO policy. Here are the steps I'd take if a client came to me about their company switching to a five-day RTO policy:1. Related storiesWell-written employment agreements will include a clause providing the employer with the flexibility the amend any and all terms. But if you have some leverage, you can negotiate into your employment agreement that you're going to be working remote or hybrid.

Persons: Craig Levey, Levey, —, doesn't, you've, they'll, haven't, Jane Zhang Organizations: Service, Bennett, Belfort, Starbucks, Disabilities, Opportunity Commission Locations: P.C, Cambridge , Massachusetts, Newport, Seattle

☆ How to remove pet stains from carpet
▼ + stars: | 2024-09-26 | by ( Bethany Heitman | Bethany Heitman Is A Contributing Editor At Nbc Select. | ) www.nbcnews.com time to read: +5 min

“There’s no one-size-fits-all solution to pet stains,” says Eliana Coca, owner of E.C. SKIP AHEAD What happens if you don’t properly clean pet stains? | How to treat dog or cat urine and vomit stains | How to clean pet poop stains | 5 highly rated pet stain cleanersWhat happens if you don’t properly clean pet stains? Dealing with pet stains is not one of those times. How to clean pet poop stainsYou now know how to treat vomit and pee, but what about poop?

Persons: that’s, Muffetta Krueger, Krueger, ”, Bethany Heitman, TikTok Organizations: NBC, Facebook, Twitter Locations: You’ll, Massachusetts, New York

☆ Sea robins are fish that use their legs to ‘taste’ the seafloor
▼ + stars: | 2024-09-26 | by ( Ashley Strickland | ) edition.cnn.com time to read: +8 min

CNN —Some types of sea robins, a peculiar bottom-dwelling ocean fish, use taste bud-covered legs to sense and dig up prey along the seafloor, according to new research. A species of sea robins called Prionotus carolinus studied by the researchers used their legs for walking, digging and sensing the seafloor. And the fish that lacked sensory capabilities and used their legs mainly for walking were striped sea robins, or Prionotus evolans. The digging sea robins had shovel-shaped legs that were covered in protrusions called papillae, which are similar to the taste buds on our tongues. Both researchers said they are keen to uncover the exact mechanisms behind the evolution of the sea robins’ sensory appendages.

Persons: David Kingsley, Kingsley, Rudy J, Daphne Donohue Munzer, ” Kingsley, “ I’d, Mike Jones, Amy Herbert, “, ” Herbert, Herbert, Corey Allard, ’ ” Allard, Nick Bellono, ” Bellono, carolinus, ” Allard, Tbx3, Jason Ramsay, Ramsay, Anik, ” Ramsay Organizations: CNN, Marine Biological, Stanford University’s School of Medicine, Stanford, Harvard University, Rhode Island College, Harvard, University of Chicago Locations: Woods Hole , Massachusetts, Harvard, New England

☆ I've traveled to all 50 states. These are the 7 most overrated tourist attractions in the US.
▼ + stars: | 2024-09-26 | by ( Emily Hart | ) www.businessinsider.com time to read: +1 min

I've visited all 50 states and most major US tourist attractions — some of which I found overrated. Go to newsletter preferences Thanks for signing up! In fact, after visiting all 50 states solo, I've enjoyed my short visits to nearly all the major tourist attractions in the United States. However, in retrospect, I've found some to be overrated and not places I'd plan an entire trip around. Here are the seven tourist attractions I think are overrated.

Persons: I've, Rushmore, I'd, — Organizations: Service Locations: Salem , Massachusetts, United States

☆ Investors should still keep emergency funds liquid after the Fed's interest rate cut, advisor says
▼ + stars: | 2024-09-25 | by ( Kate Dore | Cfp | ) www.cnbc.com time to read: +2 min

After years of higher yields on cash, the Federal Reserve's shifting policy means lower future returns on savings, certificates of deposit and money market funds. Despite falling rates, investors should still keep emergency funds "liquid," meaning the cash can be easily tapped, financial experts say. Banks use the federal funds rate to lend to and borrow from one another. Meanwhile, the biggest retail money market funds were still paying around 5%, as of Sept. 24, according to Crane Data. If you have been earning 4% to 5% on emergency savings, you could see a "small reduction" in the short term, said Kenealy, who recommends keeping emergency funds where they are.

Persons: Kathleen Kenealy, Banks, Kenealy Organizations: Finance, Data Locations: Woburn , Massachusetts

☆ The U.S. News College Rankings Are Out. Cue the Rage and Obsession.
▼ + stars: | 2024-09-24 | by ( Alan Blinder | More About Alan Blinder | ) www.nytimes.com time to read: +1 min

After months of tumult on American college campuses, relative stability in one realm returned on Tuesday, when U.S. News & World Report published its oft-disparaged but nevertheless closely watched rankings. Among national universities, Princeton was ranked No. U.S. News again judged Williams College the best among national liberal arts colleges. Few franchises in American higher education are as contentious as the U.S. News rankings. To U.S. News, which retired its print newsmagazine in 2010, the rankings are a bastion of its largely bygone influence.

Organizations: U.S . News, Princeton, Massachusetts Institute of Technology, Harvard, Stanford, . News, Williams College, Spelman College, U.S

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