DIRS.INFO The most relevant business & tech news

As a financial planner, here are seven strategies I recommend to help ensure your budget covers all your holiday shopping expenses. Determine how much you can afford to spend on holiday shopping without compromising your financial well-being. Set shopping deadlinesOne thing that I have learned about holiday shopping is that last-minute gifts are much more expensive. Have a separate high-yield savings account earmarked for holiday shoppingOnce you've crunched the numbers and created a holiday spending budget, it is a great idea to create a separate savings account earmarked for holiday shopping. Bundle giftsOne of my favorite ways to save on holiday shopping is to bundle gifts per family or group.

Persons: you'll, — Organizations: Service, Quicken, Hulu, Netflix, Starbucks

Keeping my credit score high will also help if I take out a small business loan as an entrepreneur. I decided to ask certified financial planner Patrick Marcinko for ideas for how I could leverage my high credit score to help with future financial goals. "With a high credit score, lenders are more willing to give you a better deal on mortgage rates. How I can keep my credit score highSince it's taken me quite some time to achieve this high credit score, I asked Marcinko for ways that I can maintain it in the new year. Additionally, Marcinko says that with a high credit score, I might have access to perks and benefits that credit card companies reserve for those with strong credit.

Persons: —, I've, Patrick Marcinko, Marcinko Organizations: Service

For Love & Money is a column from Business Insider answering your relationship and money questions. Our columnist says that just because hard work is virtuous, not doing that hard work isn't wrong. Write to For Love & Money using this Google form. But we've all struggled to do hard things, and that sense of achievement we feel when we're done speaks for itself. Write to For Love & Money using this Google form .

Persons: —, we've, it's, There's, we're, I've, you've, Get Organizations: Business, Service, Quicken, SEC

For people who don't need more things, buying experiences is a great way to feel good giving a gift. While I don't throw budgeting out the window around the holidays, I do prioritize feeling good about how I'm spending my money. This way, I'm all ready to shop those good, good markdowns. Even if I'm not spending money on the item, someone is. I'm taking my Dad out for dinner and a dance performance as the main part of his Christmas gift this year.

Persons: —, I've, I'm, thrifting Organizations: Service, Christmastime, Quicken

I love my online bank account, but an in-person account was the best way to get European cash. But it has been the perfect fit for me, and I will sing most online banks' praises to anyone who will listen. So imagine my surprise when my husband convinced me to open a Chase checking account (while still keeping our online bank accounts). Our online bank doesn't exchange foreign currency. AdvertisementSo we transferred $500 from our online checking account to Chase, and the $300 was deposited into our account within 15 business days.

Persons: Chase, —, I'd, …, I'm, you'd Organizations: Service, Sapphire, Chase Locations: Europe

I tend to overspend during the holidays, so I asked a financial planner about spending strategies. AdvertisementEvery year, when November arrives, I start to get stressed out about holiday spending. As I took a closer look at my finances, I realized that it wouldn't make sense to drain my savings account for holiday spending and wondered about other payment strategies to use instead. FOMO makes deals seem overly importantOne of the biggest reasons I often blow through my holiday spending budget is because the deals this time of year seem so great. AdvertisementShe even suggests being transparent with people in your life about your holiday spending and savings.

Persons: —, Shinobu Hindert, it's, Hindert, FOMO, I've Organizations: Service, Brands

AdvertisementAdvertisementFor Love & Money is a weekly column from Insider answering your relationship and money questions. Our columnist says they may not owe their in-laws money, but they do owe them kindness and compassion. Write to For Love & Money using this Google form. We are in a different stage of life and have expenses the other siblings don't. Write to For Love & Money using this Google form .

Persons: —, I'd, it's, That's Organizations: Service

You shouldn't expect high-yield savings account interest rates to drop anytime soon. High-yield savings accounts are a great choiceDespite the fact that APYs will likely fall eventually, high-yield savings accounts can still be a really good place to put your money. "By its nature a high-yield savings account will still provide more interest than an ordinary savings account at a major bank," Herzog says. In fact, now may be the time to take advantage and put funds into a high-yield savings account if you haven't already. "If we see more talk of interest rates slowly declining, I think there will be more interest in longer-term securities or options to lock in those interest rates," Valega says.

Persons: —, you'll, we're, Andrew Herzog, Herzog, Catherine Valega, It's, Valega, it's Organizations: Service, Federal Reserve, Fed, Green Bee

AdvertisementAdvertisementWhen I was growing up, $100 went a long way toward paying for clothes, food, and bills. NEW LOOK Sign up to get the inside scoop on today’s biggest stories in markets, tech, and business — delivered daily. download the app Email address Sign up By clicking “Sign Up”, you accept our Terms of Service and Privacy Policy . My view of money hasn't changed in decades, but this year has made me realize how I think of money is more suitable for the 70s than 2023. I'm just thankful our nieces and nephews are now adults, so there won't be long faces when we arrive at holiday parties empty-handed.

Persons: —, hasn't, I'm, didn't, It's, Scrooge Organizations: Service

AdvertisementAdvertisementMy family's cruise cost less than $1,700 for a week visiting several islands in Greece and Turkey. Cruise travel insurance is a good way to make sure you get the most out of the money you spend. Either way, interior cabins are always the least expensive, and they are often roomier and nicer than you might think. Compare cruise lines and itinerariesMake sure to compare cruise lines and itineraries before you book a cruise. Book earlyFinally, booking early is always the best way to save money on a cruise.

Persons: — Organizations: Service, MSC Musica, MSC Cruises, MSC Voyagers Locations: Greece, Turkey, Caribbean, Europe, Athens, Mykonos, Rhodes, Santorini, Cyprus, Kuşadası

For Love & Money is a biweekly column from Insider answering your relationship and money questions. This week, a reader makes much less money than their partner and is worried about the imbalance. Write to For Love & Money using this Google form. Dear For Love & Money,My partner and I are fully committed to each other and absolutely soulmates. Write to For Love & Money using this Google form .

Persons: that's, —, we're, you've, I've, it's, I'm, he'll, doesn't, they've Organizations: Service, America

However, variable-rate CDs and no-penalty CDs offer flexibility that may be worth considering. So far this year, CD rates have been increasing and I've managed to secure CDs with rates that range from 4.75% to 5.5% APY. "CD interest rates are for a 12-month period." Variable-rate CDBecause I've been mostly risk-averse with my CDs, one type that I've never tried are variable-rate CDs. For example, if you get a one-year CD paying 5% with the option to bump up, Manske said you can pay attention to CD rates and elect to update it if the rates rise.

Persons: —, I've, Christopher Manske, Manske, that's, doesn't Organizations: Service

About a year ago, I wanted to talk to my mom about her estate planning and financial needs. Get your estate planning in order firstBefore you even broach the topic of estate planning with your parents, get your own estate-planning ducks in a row. Approach estate planning with sensitivityRemember that estate planning is a delicate topic. In talking to your parents, Rivera suggests framing estate planning as the ultimate form of control and selflessness. Create an Estate Plan Online Trust & Will can help create an estate plan for you or your loved ones.

Persons: —, Valerie Rivera, Rivera, they're, You'll, you've Organizations: Service, FirstGen, Will Locations: America

I started working when I was in junior high, and I've always been glad to be able to earn money. I have chronic paranoid schizophrenia, and I haven't been able to work full-time since a 2006 episode. I've adapted as much as I can, but the limitations on when and how I can earn money are demoralizing. I've worked a variety of odd jobs since junior high. The hard truth is that I would have to seek housing with a family member without my husband's income.

Persons: I've, haven't, —, I'm Organizations: Service

If you want to retire early, start early and look at your expenses, your income, and your assets. But I didn't pay much attention to the second half of the book, which lays out a plan to retire early. Recently, I've been thinking about what early retirement might look like. Real estate and other assets are possible sources of income to fund an early retirement. The 3-bucket planCannon suggested making an emergency fund to deal with sudden expenses, like a medical event or a home or car repair, the foundation of your retirement plan.

Persons: —, I've, Bryan Cannon, Cannon, isn't, they're, doesn't Organizations: Service, Cannon Advisors, Social Security, Social Locations: Real

Our experts answer readers' student loan questions and write unbiased product reviews (here's how we assess student loans). Federal student loans come with a variety of benefits that you'll lose out on if you refinance. Federal student loans come with a range of benefits and protections that are not available with private loans. These programs, such as Public Service Loan Forgiveness, provide loan forgiveness after meeting specific criteria. When it comes to refinancing student loans, it's important to be cautious about converting federal loans into private ones.

Persons: you'll, —, I've Organizations: Service Locations: Federal

High-yield savings accounts have seen huge APYs in recent times, but those rates may not last forever. Earn top savings rates and manage it all with a single secure login. But when should you ease up on your savings accounts and consider investing your money instead? That can make investing much more attractive than a savings account — even in a high-yield savings account — if you have a longer time horizon. Alternatives to HYSAsYou don't have to decide between a savings account and investing in a retirement savings account — like a 401(k) or an IRA — or a taxable brokerage.

Persons: —, Banks, Laura Mattia, Steve Oniya, Oniya, Tony Corsino, Mattia, you'd Organizations: Treasury, Service, Federal Reserve, Advisors, OM Investments, Zen Financial

AdvertisementAdvertisementFor Love & Money is a biweekly column from Insider answering your relationship and money questions. Write to For Love & Money using this Google form. You think your boyfriend's parents should have saved enough for retirement, but maybe they did and lost most of it on a bad investment. AdvertisementAdvertisementYou said your boyfriend's parents were so embarrassed to ask their son for money that they cried. Write to For Love & Money using this Google form .

Persons: —, he's, They've, haven't, we've, we're, it's, you've Organizations: Service

☆ Over a year after the Supreme Court overturned Roe v. Wade, the cost of an abortion in the US can be as much as $30,000 — or as little as $150
▼ + stars: | 2023-10-21 | by ( Laura Mccamy | Avril Ayers | Read More | ) www.businessinsider.com time to read: +6 min

Access to abortion medication is available via telehealth. For those who need out-of-state care, however, the cost of abortion may be as high as $30,000. While costs have increased in places with bans, states like California and New York allow telehealth appointments for medication abortion, reducing travel time and the cost of abortion care. "What would have been a cost of $5,000 turned into $10,000 just for abortion care because it had to be in a hospital," she says. In April 2023, the Supreme Court maintained access to mifepristone, but additional cases could be brought to the Supreme Court in future terms.

Persons: —, Dobbs, Roe, Wade, Caitlin Myers, Myers, Sylvia Ghazarian, Ghazarian, I'm, WRRAP Organizations: Service, Jackson, Health, Guttmacher Institute, New York Times, Middlebury College, Reproductive Locations: California, New York, Georgia

Single women face unique challenges when planning for retirement, so I asked an expert for help. Plus, women are often put in a caregiving role, which means time off from work — and not contributing regularly to retirement funds. So how can single women like me juggle with inflation, a higher cost of living, dwindling income, and the gender wage gap to be on track for retirement? I asked Marie Thomasson, a certified financial planner and founder of Modern Assets, an LA-based financial advisory firm for independent, progressive women, for tips on how single women can steer the course and make sure they're on track with their goals for retirement planning. Reassess your retirement accountsOnce you have your financial bases covered, you can venture into investing and retirement planning, says Thomasson.

Persons: Marie Thomasson, —, I've, Thomasson, hadn't, doesn't, aren't, Amanda Holden's, Simran Kaur's, Erin Lowry's, Tonya Rapley's, Tiffany, We're Organizations: Service, Modern Assets, Research, Pew Locations: LA, YOLO

Black students are far less likely to have access to high school personal finance classes. But high schools with a majority of Black students are less likely to have a guaranteed personal finance course in their high schools. The student debt gapBlack borrowers are disproportionately burdened by student loan debt. Student debt can be daunting, but there are scholarships out there for Black students. 4. Credit discriminationRedlining is a well-known form of credit discrimination , but the issue goes beyond mortgages.

Persons: —, Tiffany Aliche, Pell, Biden, There's, Homeownership, doesn't, Aliche Organizations: Service, Finance, The Institute, College, NPR, National Bureau of Economic Research, Housing, Federal Reserve, Civil, Equal, The Association of African American Financial Locations: Brookings, Zillow

I've used several banks over the years, and I recently looked into switching to online banking. I've moved most of my investments to an online account so I don't focus on it every day. I inherited my first bank from my mother — the largest of Canada's Big Five banks, Royal Bank of Canada. When I lived in Switzerland, my husband and I had a shared bank account with United Bank of Switzerland. When I had all of my investments with BMO, it meant that I would see what my long-term investments were doing anytime I logged into my online banking.

Persons: I've, —, Scott, I'm Organizations: Service, Royal Bank of Canada, United Bank of Switzerland, BMO, Big Locations: Switzerland, Canada

I have a 401(k) from an old job, so I asked a financial planner what to do with the funds. Unsure of what to do with the money inside that old 401(k), I chatted with certified financial planner Faron Daugs for advice. Roll your old 401(k) into your current employer's planWhile this option doesn't apply to me because I'm self-employed, one route that Daugs suggested is rolling your old 401(k) plan into the 401(k) plan offered by your current employer. A Roth 401(k) is similar to a Roth IRA and a 401(k), where you make post-tax contributions and earnings inside the account grow tax-free. Daugs also said going this route means you won't get taxed on any distributions from your old 401(k) plan.

Persons: Roth, —, haven't, Faron, Daugs Organizations: Service, Roth IRA, IRA

He had been scheduled to take a tour of CS Wind, the world’s largest facility for wind tower manufacturing. The official, who was not authorized to comment about the president's potential visit, said a final decision to visit Israel hasn't been made. Blinken was in Israel on Monday for his second visit in less than a week for talks with Israeli leaders. He has been crisscrossing the Middle East with stops in Jordan, Bahrain, Qatar, Egypt, Saudi Arabia and the United Arab Emirates. It’s the deadliest war for Israel since the 1973 conflict with Egypt and Syria.

Persons: Joe Biden, Biden, Abdel Fattah el, Mohammed Shia, Olaf Scholz, Harris, Jeff Zients, Jake Sullivan, National Intelligence Avril Haines, Bill Burns, Israel hasn't, idled, Sissi, Antony Blinken, Blinken, ”, Benjamin Netanyahu, Matthew Miller, Israel, Hossein Amirabdollahian, Chuck Schumer, “, ” Schumer, Schumer, Kevin McCarthy, Jacob Lew, — Lee, Jon Gambrell, Mary Clare Jalonick Organizations: WASHINGTON, National, National Intelligence, Central Intelligence Agency, CS, U.S, Union, United, United Arab Emirates, Israeli, ”, “, Israel, Air, Hamas, Israeli Ministry of Defense, United States Senate, Foreign, AP Locations: Gaza, Israel, Iraqi, Pueblo , Colorado, Egypt’s, Cairo, Europe, Jordan, Bahrain, Qatar, Egypt, Saudi Arabia, United Arab, Syria, Iran, Hezbollah, Lebanon, U.S, Jerusalem, Tel Aviv, Washington

Senate Democratic Leader Chuck Schumer (D-NY) delivers remarks during the AIPAC convention at the Washington Convention Center in Washington, U.S., March 2, 2020. REUTERS/Tom Brenner/File Photo Acquire Licensing RightsWASHINGTON, Oct 16 (Reuters) - Democratic U.S. Senate Majority Leader Chuck Schumer said on Monday the Senate will seek within days to pass a resolution supporting Israel, approve additional funds for Israel and confirm a new U.S. ambassador to the Jewish State. "That means military assistance, intelligence assistance, diplomatic assistance and humanitarian assistance to care for innocent civilians. Schumer said he thought Senate passage of a strong pro-Israel legislation might encourage the House of Representatives to act, despite its leadership impasse. Schumer called Lew "capable and strong" and urged the committee to approve Lew as soon as possible, so the full Senate can confirm him "in all due haste."

Persons: Chuck Schumer, Tom Brenner, Schumer, Kevin McCarthy, Israel, Jack Lew, Joe Biden's, Lew, Antony Blinken, National Intelligence Avril Haines, Defense Lloyd Austin, Staff General C.Q, Brown, Patricia Zengerle, Katharine Jackson, Sandra Maler Organizations: Democratic, Washington Convention Center, REUTERS, Rights, Democratic U.S, Israel, Jewish State, Hamas, U.S . Congress, Republican, Foreign Relations, National Intelligence, Defense, Joint Chiefs, Staff, Thomson Locations: Washington , U.S, Israel, U.S, Ukraine

Search resuls for: "Avril"

25 mentions found