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☆ They Caught the Seattle Market on the Way Down, but Could They Afford a House There?
▼ + stars: | 2022-11-10 | by ( Anna Kodé | ) www.nytimes.com time to read: +2 min

Lauren Held and Kyle Frederick didn’t think they could afford to own a home anytime soon, especially in Seattle’s pricey housing market. “It seemed way too competitive, with way too much tech money all around us,” she said. So the couple, both North Carolina natives, started casually hunting for a house to buy, hoping something would work out. “But we were still seeing multiple offers.”They wanted to stay in north Seattle, preferably in an area like Phinney Ridge. The pandemic market was cooling, but homes in north Seattle were still going for over asking price.

An excellent credit score allows you to borrow money at lower interest rates and provides other benefits. The five credit score categories for FICO and VantageScore are as follows:Credit score category FICO VantageScore Poor/Very Poor 300-579 300-499 Fair/Poor 580-669 500-600 Good/Fair 670-739 601-660 Very good/Good 740-799 661-780 Exceptional/Excellent 800-850 781-850While a low credit score will hinder your borrowing efforts, having an excellent credit score comes with a wide range of benefits and possibilities. LendingTree found that people with excellent credit scores keep a credit utilization rate of 5.7% on an average credit limit of $58,514 spread over an average of 7.9 accounts. Keep credit inquiries to a minimumWhen we apply for credit — whether it's for a new credit card, a mortgage, or an auto loan — and a lender issues a credit check, it will appear on our credit report and may influence our credit score. Though you don't necessarily need an excellent credit score, it can certainly help you lead an easier financial life.

☆ Brazil highway police blockades fan voter-suppression fears
▼ + stars: | 2022-10-30 | by ( Gabriel Stargardter | ) www.reuters.com time to read: +3 min

RIO DE JANEIRO, Oct 30 (Reuters) - Widespread allegations of illegal roadblocks by Brazil's Federal Highway Police (PRF) in the poor northeast of Brazil sparked fears of potential vote suppression that could benefit far-right President Jair Bolsonaro in Sunday's tense runoff election. Brazilians cast their votes on Sunday in a fraught second-round vote between Bolsonaro and leftist rival Luiz Inacio Lula da Silva. The president wants to consolidate his conservative overhaul of the country, while Lula vows more social spending and state-run economic policies. In a news conference shortly before voting ended, Supreme Court Justice Alexandre de Moraes, who is also head of the TSE, poured cold water on allegations of vote suppression. Local media reported that the director general of the PRF, Silvinei Vasques, had published a Twitter post, since deleted, advocating for the re-election of Bolsonaro.

Welcome back to Insider Weekly, a roundup of some of our top stories. The industry took a beating after Meta, Alphabet, Amazon, and Microsoft reported poorer-than-expected earnings, wiping nearly $1 trillion off their collective market caps. Microsoft and Amazon reported slower growth in their usually outperforming cloud divisions, with Amazon also warning of slower holiday sales. Stephen Lam/Getty ImagesAmid a streak of disappointing financial results, inflation, and global turmoil, companies like Meta, Microsoft, and Google are looking to rein in runaway costs. For years, Big Tech companies competed on pay and perks to lure workers in a tight labor market.

☆ I took an $18-an-hour job in an Amazon warehouse to cure the spiraling depression I felt as a CEO. It worked — and gave me a new perspective on the industry.
▼ + stars: | 2022-10-27 | by ( Hannah Towey | Katherine Long | ) www.businessinsider.com time to read: +13 min

He quit his CEO job and began working 11-hour Amazon warehouse shifts during the company's busiest season. I decided to take a warehouse job at AmazonIt felt like the one thing I really needed for myself was some structure — wakeup times, some exercise — just to get out there somehow. Philip Su worked in an Amazon warehouse for seven weeks. My warehouse job lifted me out of my depressionI took the job because I was desperate for something to enforce regularity for me, and I very much benefited from Amazon doing that. Are you an Amazon warehouse worker with a story to tell?

☆ Test scores dropped to lowest levels in decades during pandemic, according to nationwide exam
▼ + stars: | 2022-10-24 | by ( The Associated Press | ) www.nbcnews.com time to read: +7 min

Across the country, math scores saw their largest decreases ever. But while reading scores dipped, math scores plummeted by the largest margins in the history of the NAEP test, which began in 1969. Every region saw test scores slide, and every state saw declines in at least one subject. Several major districts saw test scores fall by more than 10 points. In fourth grade, Black and Hispanic students saw bigger decreases than white students, widening gaps that have persisted for decades.

☆ Mississippi Faces EPA Probe of Jackson Water Supply Cutoff
▼ + stars: | 2022-10-20 | by ( Adolfo Flores | ) www.wsj.com time to read: 1 min

The U.S. Environmental Protection Agency on Thursday said it has launched an investigation into whether Mississippi state agencies discriminated against the mostly Black city of Jackson by not funding improvements to its crumbling water system. The investigation is in response to a complaint filed with the EPA against the Mississippi Department of Health and the Mississippi Department of Environmental Quality by the NAACP on behalf of nine Jackson residents who went without running water late this summer.

☆ California just took a major step to try to solve the housing crisis that's left students 'sleeping in their cars, parking lots or classrooms' in college towns like Santa Cruz
▼ + stars: | 2022-10-16 | by ( Alcynna Lloyd | ) www.businessinsider.com time to read: +8 min

In the city of Santa Cruz, for example, affordable housing is so scarce some University of California students sleep in cars or classrooms. The most notable aims to alleviate California's housing crisis by permitting home construction on non-residential lots previously zoned for retail, offices, and parking. Owens hopes it will also ease the woes of UCSC students who can't find affordable housing on campus. According to the university, UCSC currently has just under 10,000 total spots available in campus housing for undergraduate, graduate and family housing. "A lot of the people who are bidding in Santa Cruz, don't have the income to match what landlords are asking," Owens said.

☆ Exclusive: Ukraine nuclear chief says Zaporizhzhia plant does not need Russian fuel
▼ + stars: | 2022-10-13 | by ( Jonathan Landay | ) www.reuters.com time to read: +2 min

A Russian all-terrain armoured vehicle is parked outside the Zaporizhzhia Nuclear Power Plant during the visit of the International Atomic Energy Agency (IAEA) expert mission in the course of Ukraine-Russia conflict outside Enerhodar in the Zaporizhzhia region, Ukraine, September 1, 2022. REUTERS/Alexander ErmochenkoKYIV, Oct 13 (Reuters) - The head of Ukraine's state nuclear energy company on Thursday decried as "fake news" Russian assertions that the Russian-controlled Zaporizhzhia nuclear power plant will need Russian fuel. Energoatom chief Petro Kotin, speaking in a Reuters interview, said there are fresh fuel supplies in storage at the six-reactor plant, the largest in Europe. His comments came after an official of Rosenergoatom, Russia's nuclear power operator, was quoted by Russia's TASS state news agency as saying that the Zaporizhzhia plant would be switched to Russian fuel once its reserves are exhausted. Russian forces seized the Zaporizhzhia Nuclear Power Plant in March, the month after they launched their full-scale invasion of Ukraine.

☆ How a tank the Soviets tried to keep secret became an icon of Ukraine's resistance against Russia
▼ + stars: | 2022-10-13 | by ( Sebastian Roblin | ) www.businessinsider.com time to read: +17 min

An Afghan soldier fighting for the Soviets sits on a Soviet-made T-64 tank near the Salang Pass on August 17, 1989. However, these systems were mostly exported, and it's unclear whether either is currently operational on Ukrainian tanks. Defending Ukraine, 2014-2015A Ukrainian tank in the eastern Ukrainian city of Slavyansk in July 2014. A burned Ukrainian tank in Uglegorsk, on the frontline near Debaltseve, in February 2015. A pro-Russian separatist stands guard near a T-64 tank in Donetsk in July 2014.

☆ Bank of America: History says this seasonal investing strategy has a 100% success rate in down years, and these 28 lagging stocks could benefit most from it
▼ + stars: | 2022-10-11 | by ( James Faris | ) www.businessinsider.com time to read: +3 min

Tax-loss harvesting is a popular investing strategy at this time of year. Here are 28 lagging stocks that could see big gains, according to Bank of America. However, history teaches that there is a tactic that has a perfect 100% track record of success when the S&P 500 is down through October, according to Bank of America: buying stocks that are tax-loss harvesting candidates. Tax-loss harvesting is an investing strategy used to make stock market losses less painful. 28 beaten-down buy-rated stocks that could bounce backBank of America recently identified 159 buy-rated stocks that are tax-loss harvesting candidates and could be set to rebound from November through January.

☆ Congress is still considering changes to the retirement system, including catch-up contributions
▼ + stars: | 2022-10-10 | by ( Sarah O'Brien | ) www.cnbc.com time to read: +8 min

Tom Brenner | ReutersThere's still a decent chance that changes to the U.S. retirement system will be enacted before the end of the year. "There's still tremendous bipartisan interest in doing another retirement security bill," said Paul Richman, chief government and political affairs officer for the Insured Retirement Institute. Upping the catch-up contribution anteNosystem Images | E+ | Getty ImagesCurrently, retirement savers age 50 or older can make so-called catch-up contributions to their retirement savings. The House bill would expand the 401(k) catch-up to $10,000 for individuals who are age 62, 63 or 64. The Senate proposal differs by allowing people from age 60 through age 63 make the extra $10,000 catch-up contribution.

☆ How an overreliance on BMI can stand between patients and treatment
▼ + stars: | 2022-10-08 | by ( Julie Appleby | Kaiser Health News | ) www.nbcnews.com time to read: +8 min

As a result, countries such as China and Japan have set lower BMI overweight and obesity thresholds for people of Asian descent. Experts generally agree that BMI should not be the only measure to assess patients’ health and weight. Instead of relying on BMI, physicians and patients should consider other factors in the weight equation. It incorporates various groups’ risk factors for conditions such as diabetes, high blood pressure, and high cholesterol. “We do not plan to eliminate the BMI, but we plan to devise other strategies to evaluate the health associated with weight status,” said Stanford.

☆ Alzheimer's disease, retirement 'pacts,' and serving until you're 104 years old: Inside the federal judiciary's reckoning with age
▼ + stars: | 2022-09-27 | by ( C. Ryan Barber | Camila Dechalus | ) www.businessinsider.com time to read: +23 min

She was nearly two decades older than the median age — 68 — for all federal judges, according to an Insider analysis. More than a century later, in the 1920s, future Chief Justice Charles Evans Hughes argued for a mandatory retirement age. In 1954, the Senate passed a resolution proposing a constitutional amendment that'd require retirement at age 75 for federal judges. A recent poll by Insider and Morning Consult found that 71% of 2,210 respondents said the federal judiciary should have a mandatory retirement age. For Scheindlin, the former federal judge in Manhattan, Weinstein was an example of an older judge who was "terrific to his last day."

☆ This map shows how many people in each state could benefit from Biden's student loan forgiveness
▼ + stars: | 2022-09-26 | by ( Ayelet Sheffey | Madison Hoff | ) www.businessinsider.com time to read: +4 min

President Joe Biden's recently announced student debt forgiveness could impact states differently. The estimated share of a state's population that is eligible for student loan forgiveness varies across the US. Insider looked at how many people could be eligible for student loan forgiveness after adjusting by population. As The Columbus Dispatch reported, over 94% of student loan borrowers in Ohio could be eligible for this student loan relief. Even in the states where Republicans have opposed Biden's debt relief, millions of borrowers could benefit.

☆ Ultrafast startup FastAF reveals its secret weapon for surviving the rapid delivery shakeout: offering Shopify merchants 2-hour delivery and nationwide shipping
▼ + stars: | 2022-09-21 | by ( Nancy Luna | Madeline Stone | ) www.businessinsider.com time to read: +8 min

DTC delivery startup FastAF offers rapid delivery of Shopify brands. The startup FastAF has discovered a secret weapon in surviving the volatile ultrafast-delivery space: Shopify stores. On Wednesday, FastAF added nationwide shipping, allowing shoppers to bundle items into one delivery in any market in the US. at a higher cost," Hnetinka told Insider this week. "It's really put us in a position of strength compared to the other guys who've got commoditized and undifferentiated products," Hnetinka said.

☆ Germans are taking more cold showers as Russia doubles down on energy cuts
▼ + stars: | 2022-09-08 | by ( Hannah Towey | ) www.businessinsider.com time to read: +4 min

German cities are implementing energy saving measures amid the threat of a Russia oil cutoff. Some residents are taking cold showers and air-drying laundry as a result, local media reported. Prior to the Ukraine war, over half of Germany's gas came from Russia. Prior to the war, over half of Germany's natural gas came from Russia — now it's down to 35%. But officials fear extreme shortages may take place this winter if Russia cuts off its remaining oil supply to Europe in retaliation against Western sanctions.

☆ Nicole Kidman Leans Into the Pain
▼ + stars: | 2020-10-05 | by ( David Marchese | ) www.nytimes.com time to read: +22 min

Illustration by Bráulio Amado Talk Nicole Kidman Leans Into the PainIn HBO’s mini-series “The Undoing,” a psychological thriller that premieres Oct. 25, Nicole Kidman plays Grace Fraser, a Manhattan therapist whose impeccably ordered life is suddenly shattered by violence and lust. I don’t know. If there was a choice, I don’t know I would be an actor. But you go, As long as I surrender to what this is, I’m going to have an incredible time. It interests me how the latest role you’ve played is usually the way in which you’re going to be perceived.

Persons: Bráulio Amado, Nicole Kidman, Grace Fraser, Grace —, we’ve, Kidman, “ I’ve, ” Kidman, “, Celeste, Shailene Woodley, Reese Witherspoon, Photofest Celeste, Grace, I’ve, Stanley Kubrick, I’d, I’m, I’ll, Hugh Grant, ’ ’ Niko Tavernise, “ Tenet, ”, gosh, Masha, Nicole, Philip Seymour Hoffman, Pacino, Kubrick, You’ve, Tom Cruise, Stanley, wasn’t torturous, Madison Eginton, ’, you’re, It’s, who’s, Stoicism, There’s, you’ve, Kennedy Miller, Aaron Eckhart, David Giesbrecht, —, You’re, bode, Dogville ”, Lars von Trier, Virginia Woolf, Julianne Moore, Stephen Daldry, ” Liane Moriarty, “ I’ll, Grace of Monaco, Chanel, Karl Lagerfeld, Baz Luhrmann, “ Nicole, you’ll, Sabrina Lantos, “ We’re, ” It’s, we’re, Philip Roth, Philip, Jane Campion, Jane, Susanna Moore, Meg Ryan, don’t, she’d, Robert Eggers, Ryan Pfluger, David Marchese, Ilhan Omar, Mark Cuban, Padma Lakshmi Organizations: HBO, Warner Bros, stoicism, Lionsgate, Everett, Miramax Films, Paramount Pictures, Hollywood, Annapurna, Miramax, New York Times, New York Times Magazine Locations: Manhattan, “, HBO’s, Vietnam, Australia, Moulin Rouge, Sweden, Virginia, Ireland

Banks place holds on checks to make sure that your check payer has the bank funds necessary for the check to clear. Below, we'll cover the most common reasons your bank may be holding your check, how long it could last, and what you can do to avoid check holds in the future. Apply now A five pointed star A five pointed star A five pointed star A five pointed star A five pointed star 4.8 out of 5 Stars Editor's Rating A tooltip OUR EDITOR'S RATINGS ARE PRIMARILY BASED ON 3 THINGS: SIMPLICITY, AFFORDABILITY, AND VALUE. Apply now A five pointed star A five pointed star A five pointed star A five pointed star A five pointed star 4.6 out of 5 Stars Editor's Rating A tooltip OUR EDITOR'S RATINGS ARE PRIMARILY BASED ON 3 THINGS: SIMPLICITY, AFFORDABILITY, AND VALUE. Apply now A five pointed star A five pointed star A five pointed star A five pointed star A five pointed star 4.6 out of 5 Stars Editor's Rating A tooltip OUR EDITOR'S RATINGS ARE PRIMARILY BASED ON 3 THINGS: SIMPLICITY, AFFORDABILITY, AND VALUE.

I work as a financial coach, and since the pandemic began I've been getting a lot of similar questions. AdvertisementAs a financial coach who speaks and teaches courses on financial literacy, I get a lot of similar questions about money. Below I've compiled some of the most common questions I've been hearing lately and the advice I've been giving. I recommend having at least six months of savings in an emergency fund, and then beyond that is personal preference. AdvertisementI don't recommend investing money you will need in three to five years in the event we have another major economic downturn and it takes a few years to rebound.

Persons: I've, they've, They've, —, Roth, you've Organizations: Service, IRA, Fidelity

☆ (video) Top 100 cele mai bune filme regizate de femei. Lista a fost realizată de 368 de experți din 84 de țări
▼ + stars: | 2019-12-03 | by ( Onixmedia Srl | ) diez.md time to read: +6 min

(video) Top 100 cele mai bune filme regizate de femei. Lista a fost realizată de 368 de experți din 84 de țăriÎn fiecare an, BBC, cu ajutorul a sute de experți în cinematografie, realizează topuri cu filme. „Top 100 cele mai bune filme străine”, „Top cele mai bune 100 de filme din toate timpurile”, „Top 100 cele mai bune filme ale secolului XXI”. Pornind de la această idee, jurnaliștii BBC și-au pus drept scop ca în acest an să descopere 100 cele mai bune filme regizate de femei. The Silences of the Palace (Moufida Tlatli, 1994)87.

Persons: Lista, experți, Pornind, în, directori, academicieni, femei, Lisa Cholodenko, Joanna Hogg, Sofia Coppola, Mészáros, Anna, Chantal Akerman, Deren, Andrea Arnold, Julia Ducournau, Claire Denis, Amy Heckerling, Agnès Varda, Tlatli, Haifaa Al, Mansour, Jason, Shirley Clarke, Nora Ephron, Ana Lily Amirpour, Penny Marshall, Lois Weber, Makhmalbaf, Céline Sciamma, Sciamma, Kelly Reichardt, Enyedi, Agnieszka Holland, Germaine Dulac, Niki Caro, Kasi Lemmons, Margarethe von Trotta, Ratcatcher, Lynne Ramsay, Debra Granik, Chloe Zhao, Marie Antoinette, Kathryn Bigelow, Marguerite Duras, Kira Muratova, Susan Seidelman, Jennifer Kent, Ava DuVernay, Patty Jenkins, Jane Campion, Lucrecia Martel, Alice Rohrwacher, Barbara Kopple, Ida Lupino, Mira Nair, Leni Riefenstahl, Honey, Prince Achmed, Lotte Reiniger, Capernaum, Nadine Labaki, Kimberly Peirce, Jennie Livingston, Wendy, Lucy, Lilly Wachowski, Morvern Callar, Porter, Liliana Cavani, Le Bonheur, Selma, Sarah Polley, Farrokhzad, Lady Bird, Greta Gerwig, Kevin, Winter’s Bone, Sally Potter, Mary Harron, Lina Wertmüller, Wanda, Barbara Loden, Larisa Shepitko, Julie Dash, Toni Erdmann, Maren Ade, Chytilová, Beau Travail, Jeanne Dielman Organizations: BBC, filme, Times, Apple, Europa, League, Bright, Salaam, du Locations: femei, Rezultatul, jos, Agnes, Seattle, Meek’s, Kasi, Harlan County, USA, Salaam Bombay, Paris

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