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☆ 'October theory' explains why fall is a better time for hitting your goals than New Year's
▼ + stars: | 2024-10-16 | by ( Julia Pugachevsky | ) www.businessinsider.com time to read: +4 min

'October theory' originated on TikTok and is the belief that fall is the best time to set goals. download the app Email address Sign up By clicking “Sign Up”, you accept our Terms of Service and Privacy Policy . For those who struggle to meet their yearly goals, the issue might just be timing. According to "October theory," a concept that originated on TikTok in 2023 and recently went viral, people feel more motivated to set and pursue goals because they realize the year is almost over. They would reflect on their year so far and help each other set 90-day goals to finish it out strong.

Persons: —, Patricia Dixon, Kiki Ramsey, Ramsey, Dixon Organizations: Service, Business, Ramsey

☆ I'm giving dating apps another try as a single mom. Men interested in open relationships are a green flag.
▼ + stars: | 2024-10-16 | by ( Nicola Prentis | ) www.businessinsider.com time to read: +6 min

Nicola Prentis sees a green flag when a guy's online dating profile lists him as non-monogamous. Prentis has found that dating non-monogamous men raises the bar for what good relationships should be like. That lasted a year and a half until I met someone else and transitioned into a more traditional, monogamous relationship that lasted five years. It's not just about sexI've found that non-monogamous men have an abundance mindset when it comes to sex, not a scarcity mindset. So far, I've never actually been in an open relationship, I've only dated men who were non-monogamous while I've been single.

Persons: Nicola Prentis, Prentis, —, it's, I've, I'm, who'd, I'd, They're, They've, they've Organizations: Service

☆ I had to downsize before a move. I found a box of my kids' baby clothes and relived so many memories.
▼ + stars: | 2024-10-16 | by ( Lauren Crosmedlicott | ) www.businessinsider.com time to read: +4 min

While downsizing in preparation for a move, Karen found two large plastic bins full of baby clothes. Sitting on the floor, clothes all around, I felt a strong sense of nostalgia and an overwhelming love for my kids. AdvertisementThe early days of motherhood are uniqueIn those early days, when they were completely bound to me, I bonded with them in such an intense way, present for them at every moment. Normally, I'm not sentimental, but those early days of motherhood are unique. I'll never have another human being attached to me, like when my kids were babies, and their clothes represented that for me.

Persons: Karen Siwak, Karen, — Organizations: Service Locations: Toronto, Germany

☆ Weekly mortgage demand tanks 17%, after interest rates hit the highest level since August
▼ + stars: | 2024-10-16 | by ( Diana Olick | In Dianaolick | ) www.cnbc.com time to read: +2 min

Mortgage interest rates rose last week for the third straight week, hitting the highest level since August. Total mortgage application volume fell 17% last week compared with the previous week, according to the Mortgage Bankers Association's seasonally adjusted index. Refinance demand, which is most sensitive to weekly rate moves, fell the hardest, down 26% week-to-week. Applications for a mortgage to purchase a home fell 7% for the week but were 7% higher than the same week one year ago. The recent rise in mortgage rates may have slowed the resurgence in refinancing, but homebuyers may be less concerned about interest rates today and more concerned about the shape of the economy in the coming months.

Persons: Joel Kan Organizations: Mortgage

☆ Single Women Love to Vote. They Back Kamala Harris in the Election.
▼ + stars: | 2024-10-16 | by ( Daniel Cox | ) www.businessinsider.com time to read: +11 min

Part of the shift is demographic: Over the past few decades, the number of single women in America has skyrocketed. In 2023, there were 43 million single women living in the US, a 55% increase since 2000. Single women are older, more educated, and more financially independent than they were a generation earlier. In 2000, 48% of single women reported voting. And her support is growing: A recent Ipsos survey found Harris leading among single women voters by nearly 40 points.

Persons: Donald Trump, Sen, JD Vance, Jennifer Aniston, Taylor Swift, Kamala Harris, Lady, Swift, Benjamin Button, Meghan McCain, John McCain, he's, Joe Biden, Harris, Jesse Watters, Roe, Wade, Dobbs, Trump, —, MeToo, Biden, Tim Walz, Jake Paul Organizations: Pew Research Center, Pew, Democratic, Fox News, Survey Center, Gallup, Social Survey, Biden, Alpha Kappa Alpha Sorority, Trump Locations: Ohio, America

☆ Some hurricane victims can get a tax break for losses — Here's what you need to know
▼ + stars: | 2024-10-15 | by ( Kate Dore | Cfp | ) www.cnbc.com time to read: +2 min

You also need to know how much the fair market value declined due to the disaster, she said. How to calculate the casualty loss deduction 1. Congress approves 'qualified disaster losses'In certain cases, "qualified disaster losses" are eligible for special rules, but "that's driven by Congressional action," according to Brennan. When there's a qualified disaster loss, the $100 rises to $500, there is no 10% AGI limit and victims can add their loss on top of the standard deduction. "AICPA has been actively advocating for permanent uniform tax relief for all victims of disasters since 2021 — for almost four years now — because we have this inconsistent treatment," she said.

Persons: David Hester, Hurricane Helene, Chandan Khanna, Mark Luscombe, Beth Brennan, Brennan, You'll, there's, AICPA Organizations: Afp, Getty, Wolters Kluwer, Accounting, American Institute of Certified Public Accountants, Congress Locations: Horseshoe Beach , Florida

☆ That old Photobucket account you haven't touched in years could soon be licensed to train AI
▼ + stars: | 2024-10-15 | by ( Katie Notopoulos | ) www.businessinsider.com time to read: +7 min

If you have an old Photobucket account you haven't touched in a while, you'll need to reactivate it to opt out of any licensing deals by setting your account to "private." Related storiesSitting on a possible AI-training goldmineUnlike other mid-2000s photo-hosting peers like Flickr or Webshots, Photobucket hasn't deleted people's old photos. Those old images that Photobucket has been storing for all these years — things people uploaded in 2005 and forgot about — are still there. AdvertisementI have an old Photobucket account from around 2007 that I used for hosting images for an old blog. Presumably, there are plenty of people like me with an old Photobucket account, largely forgotten — maybe abandoned because we moved the photos somewhere else or simply didn't care.

Persons: Photobucket, —, Ted Leonard, it's, Leonard, Leonard didn't, Photobucket Photobucket, Meta, OpenAI, I've Organizations: Service, Myspace, Business, News Corp, soccer, Flickr, Yahoo Locations: Denver

☆ Tech execs from Salesforce and Qualcomm share their best practices for implementing AI in the workplace
▼ + stars: | 2024-10-15 | by ( Sarah Jackson | ) www.businessinsider.com time to read: +5 min

Tech execs discussed AI's role in the workplace at the trade show MWC Las Vegas. "And where I'm seeing a little bit more hesitation and where people really need to invest in their red-teaming efforts, really need to invest in their evaluation frameworks, is those large external-facing use cases that are actually going to touch millions of customers," Williams added. AdvertisementOthers cautioned about companies getting swept up in the AI boom and implementing AI just for the sake of it. In her keynote, Salesforce's Goldman concluded with the importance of "making sure that we're leveraging AI in service of human strengths." "To make AI work for our businesses, we have to first make sure it works for the people our businesses serve and the people our businesses employ," she said.

Persons: —, We've, Durga Malladi, Shankar Arumugavelu, Arumugavelu, Paula Goldman, Salesforce's, Goldman, Julian Williams, Williams, Piers Sanders, Salesforce's Goldman Organizations: Tech, MWC, Vegas, Service, Mobile, Congress, Verizon, Qualcomm, Verizon Global Services, AI, VC, MWC Las Vegas, Sand Technologies Locations: Anthropic

If you travel and you haven't looked at your credit card's transfer partners, you might be missing out. There is no right or wrong way to use points and miles you've earned when you use a credit card, and the options are plentiful. Rewards credit cards allow you to earn points or miles on every purchase rather than giving you cash back immediately. Strategically using credit cards this way is a great way to capitalize on your spending, especially if you love to travel like our family does. My favorite credit cards are the most flexible onesWhile debating what type of credit card to open and use to earn points can be daunting, our family loves using credit cards that give you the most flexibility in redeeming those points.

Persons: haven't, —, you've, I've, Paul into, Paul Organizations: Service, Delta, Venture, Sapphire, Express, Virgin Atlantic, Virgin, KLM Locations: Europe, Minneapolis, St, Paul into Rome, Barcelona

☆ We moved from NYC to Raleigh. I didn't think I'd be happy in a smaller Southern city, but it's exceeded my expectations.
▼ + stars: | 2024-10-15 | by ( Elliott Harrell | ) www.businessinsider.com time to read: +5 min

After years of living in highly populated cities, my husband and I moved to Raleigh, North Carolina. AdvertisementI grew up in a small city in South Carolina and went to college in rural Virginia. Here are a few of my favorite things about life in the Southern city. The best part is that we pay less a month for our mortgage than we did for our small NYC rental. Restaurants and chefs from Raleigh are routinely nominated for James Beard awards, and I'd pit some of our favorite eateries against NYC hot spots.

Persons: —, Elliott Harrell, I've, it's, There's, William B, we've, James Beard Organizations: Raleigh, Service, NYC Locations: Raleigh , North Carolina, South Carolina, Virginia, Washington, DC, Sydney, San Francisco, New York City, North Carolina, Raleigh, New York, Southern, Raleigh There's, greenways, There's, Brooklyn

☆ Why best-selling novelist James Patterson loves Substack — and hates AI
▼ + stars: | 2024-10-15 | by ( Peter Kafka | ) www.businessinsider.com time to read: +8 min

Novelist James Patterson — along with a hardworking group of co-authors — generates multiple books a year. So I think that's kind of cool. I'm going to do a movie about cowboys and circuses! People don't think of them that way. So people ask — "What's the difference between James Patterson working with a group of people to make stuff in the voice of James Patterson and James Patterson using AI for the same thing?"

Persons: James Patterson —, that's, —, James Patterson, he's, Tina Brown, Patterson, Bill Clinton, Stephen King, you'd, We'll, Clinton, We're, nobody's, I've, we've, Hillary, don't, Let's, Eric Trump, Bush, John, Grisham, Don, Henley, Joe Walsh Organizations: Service, Hollywood, Clinton, The Eagles Locations: Hollywood

☆ Meta's head of Threads shares advice about how and when to post — as the debate swirls around engagement bait
▼ + stars: | 2024-10-14 | by ( Sydney Bradley | ) www.businessinsider.com time to read: +3 min

Meta is sharing new advice for creators on Threads about engaging content and how often to post. We spoke with Meta's head of Threads about what the platform is advising creators to do on the app. If there's one takeaway that Dalton Smith has for creators using Threads, it's that they should remember it's "a real-time conversation app." Advertisement"Most of the content will be distributed in just a few hours over the course of the day," Dalton Smith told BI. Here are five takeaways from BI's conversation with Meta's Emily Dalton Smith:

Persons: —, here's, Katie Notopoulos, Adam Mosseri —, Mosseri, Emily Dalton Smith, Dalton Smith Organizations: Service, Meta

☆ The stock market has officially enjoyed a bull rally for over two years. So now what?
▼ + stars: | 2024-10-14 | by ( Dan Defrancesco | ) www.businessinsider.com time to read: +7 min

In today's big story, the stock market has officially enjoyed a bull rally for over two years. The big storyBullish on the bull marketNoam Galai/Getty ImagesHappy belated birthday to the stock market's bull rally! Stock market experts who spoke with Business Insider's Matthew Fox don't see things slowing down anytime soon . In fact, the average bull market lasts longer than five years, so we might not even be halfway to the finish line. The actual stock market is healthier, too, as it's no longer reliant on the Magnificent Seven's performance.

Persons: —, Noam Galai, Insider's Matthew Fox, Chelsea Jia Feng, we've, Alex Brandon, Jamie Dimon, Ken Griffin, he's, Republican megadonor hasn't, BlackRock, Jett Lara, Augustus Doricko, Doricko, Roblox, Natalie Ammari, Inflation's, Z's, It's Elliott Hill's, Hill, It's, Dan DeFrancesco, Jordan Parker Erb, Hallam Bullock, Milan Sehmbi, Amanda Yen Organizations: Business, Service, Nasdaq, Dow Jones, Stock, Insider's, JPMorgan, Republican, Citadel, Wall, Menlo Ventures, Nike, Columbus, District of Columbia Locations: Chelsea, Ukraine, El Segundo , California, a16z, New York, it's, Italian American, London

☆ Sorry fast food fans — your burger is only going to get more expensive
▼ + stars: | 2024-10-14 | by ( Nora Redmond | ) www.businessinsider.com time to read: +6 min

Beef prices in the US are rising due to a historic drought and herd liquidation. Fast food chains like McDonald's and Burger King have already raised prices due to inflation. AdvertisementInflation has not been kind to food prices — especially for eating out. AdvertisementThe USDA reported that this led to record retail beef prices, with an all-fresh value of $8.15 per pound for July. "The reality is over the next couple of years, beef prices are going to continue to go higher," Zimmerman said.

Persons: Burger King, —, Chris Kempczinski, Burger, Lance Zimmerman, Rabo AgriFinance, McDonald's, Erin McDowell, Zimmerman, Taco Bell, Jay Bandy, Bandy, Dudler Organizations: Service, Starbucks, McDonald's, KFC, Brands, Department of Agriculture, Goliath Consulting, Accenture Locations: Olive, Taco, Georgia

☆ It's the first day for Nike's new CEO. He has a long road ahead.
▼ + stars: | 2024-10-14 | by ( Alex Bitter | Jordan Hart | ) www.businessinsider.com time to read: +4 min

Nike veteran Elliott Hill started as the new CEO on Monday. Hill, a Nike veteran who retired in 2020, is tasked with getting the sneaker and apparel giant back on track. Related storiesThree decades with Nike — and now, a new chapterHill joined Nike in 1988 as an apparel sales representative intern, according to his LinkedIn profile. AdvertisementIndeed, Hill's long history at Nike is a contrast with his predecessor, John Donahoe, who joined the company as CEO in 2020. He will serve as president and CEO and hold a director position on Nike's board.

Persons: Elliott Hill, Hill, Nike, —, He'll, Louise Deglise, he's, Thomas Roulet, John Donahoe, Donahoe, Matthew Friend Organizations: Nike, Service, Air Force, Air, Favre, GlobalData, Bloomberg, Nike —, University of Cambridge's Judge Business School, eBay

☆ Tia Mowry found a good use for her wedding ring after the divorce, so the marriage doesn't feel like 'a waste'
▼ + stars: | 2024-10-14 | by ( Amanda Goh | ) www.businessinsider.com time to read: +3 min

Tia Mowry says she decided to repurpose her wedding ring into jewelry for her children post-divorce. "It just makes me feel like my marriage wasn't a waste," Mowry, 46, said. The "Sister Sister" actor and her ex Cory Hardrict finalized their divorce in April 2023, after 14 years of marriage. AdvertisementTia Mowry, 46, has found a good use for her wedding ring after her divorce. The "Sister Sister" star added that she had been thinking about her ex-husband when making her decision since he gave her the ring.

Persons: Tia Mowry, Mowry, Cory Hardrict, —, Cree, it's, De Beers Organizations: Service, Business Locations: Cairo

☆ Banks haven't been the same after post-financial crisis bounce back, says Jim Cramer
▼ + stars: | 2024-10-14 | by ( Jim Cramer | ) www.cnbc.com time to read: 1 min

Banks haven't been the same after post-financial crisis bounce back, says Jim Cramer'Mad Money' host Jim Cramer looks at banks and healthcare sectors.

Persons: Banks haven't, Jim Cramer

☆ The Harvard students who added AI facial recognition to Meta glasses share some of their other big ideas
▼ + stars: | 2024-10-13 | by ( Kenneth Niemeyer | ) www.businessinsider.com time to read: +3 min

The two Harvard students who put facial recognition AI in Meta's Ray-Ban glasses have big ideas. The duo, AnhPhu Nguyen and Caine Ardayfio, are known for their innovative tech projects. AdvertisementTwo Harvard students spooked the world with their demonstration of facial recognition using Meta Ray-Bans. They also built AI into augmented reality glasses that can fact-check a user's statement during an argument in real time. Ardafiyo and Nguyen have big ideas for AI products in manufacturing, construction, and industrial tech spaces, they told BI.

Persons: Meta's, AnhPhu Nguyen, Caine Ardayfio, —, Meta Ray, Nguyen, Ardayfio, Ardafiyo, Anthropic's Claude, haven't, Ardifiyo, Adifiyo, That's Organizations: Harvard, Service, Meta Locations: Meta's Ray

☆ I cheated on my girlfriend. It's the worst thing I've ever done, but I had to lose her to find myself.
▼ + stars: | 2024-10-13 | by ( Santiago Barraza Lopez | ) www.businessinsider.com time to read: +5 min

I was dating my girlfriend for two years when an old flame came back in my life; I cheated. I didn't understand why I cheated; it came down to the lack of communication in my relationship. download the app Email address Sign up By clicking “Sign Up”, you accept our Terms of Service and Privacy Policy . I learned my lesson in timeMy ex was one of the most amazing human beings I've ever met. Cheating on her is, by far, the worst thing I've ever done.

Persons: —, I've Organizations: Service Locations: New York

☆ How rich Americans can save on taxes by giving stock and real estate to their parents
▼ + stars: | 2024-10-13 | by ( Hayley Cuccinello | ) www.businessinsider.com time to read: +6 min

Selling appreciated assets like stock and real estate can trigger high capital gains taxes. She estimates that only a quarter of clients actually go through with upstream planning after discussing it. Thanks to tax cuts made during the Trump administration, individuals can gift or bequeath $13.61 million before triggering a 40% federal estate tax. The federal estate tax doesn't kick in as long as the grandparents' estate does not exceed $27.22 million, the exemption for a married couple. It is possible to unintentionally trigger estate taxes if the assets exceed the exemption amount by the time the parents die.

Persons: —, Pam Lucina, Lucina, Trump, Robert Strauss, Weinstock Manion, haven't, Strauss, You've Organizations: Service, Capital, Northern Trust

☆ What happened Friday hasn't happened in ages. It bodes well for earnings
▼ + stars: | 2024-10-13 | by ( Jim Cramer | ) www.cnbc.com time to read: +9 min

Getting ready for the "two problematic stories," Wells Fargo and JPMorgan , which came later in the morning, took some real digging. ET – Wells Fargo shares turned and started inching up. With what you saw in Wells Fargo and JP Morgan on Friday. Think like this: When the psychology of the market changes, people don't want to bang out of Wells Fargo, they want to get in. But there is no doubt that Wells Fargo at 11 times forward earnings now seems a little silly given that the background is so positive.

Persons: Larry Fink, Wells, Wells Fargo, Charlie Scharf, Jamie Dimon, Jeff Marks, JP Morgan, Scharf, It's, Warren Buffett, Morgan Stanley, Eli Lilly, haven't, Jim Cramer's, Jim Cramer, Jim, Squawk, Virginia Sherwood Organizations: BlackRock, JPMorgan, Wall, Club, Wells Fargo, Elon, SpaceX, Federal, New York Stock Exchange, Fed, Bank of America, Boston, Walmart, Costco, Semiconductors, Enterprise, JFrog, Microsoft, –, Dow, Jim Cramer's Charitable, CNBC Locations: Wells Fargo, NII, U.S

☆ Bestselling author wrote 'Simplify Your Life' over 30 years ago. Her advice for living with less still stands
▼ + stars: | 2024-10-12 | by ( Renée Onque | ) www.cnbc.com time to read: +4 min

Here are four suggestions shared by St. James that align with the advice we see today for living more simply. In her book, " Simplify Your Life ," St. James shares 100 ways that you can embrace simplicity and "enjoy the things that really matter." Downsize where you canIn her book, St. James shared countless tips for cutting down on costs and maximizing the space you have. Similarly, St. James suggested considering driving a simpler car to lower insurance fees and car note payments. One of the simplest, yet useful, practices St. James wanted people to adopt was taking time to watch the sunset.

Persons: James, Marie Kondo, Elaine St, Sandra Organizations: St, CNBC Locations: St, Italy

☆ If there's a body part that can wear AI, there's a 'good chance' Meta has tried to develop it, CTO says
▼ + stars: | 2024-10-12 | by ( Lakshmi Varanasi | ) www.businessinsider.com time to read: +3 min

Meta's Reality Labs is exploring all kinds of wearable AI tech, CTO Andrew Bosworth says. Reality Labs, known for VR and AR, has also faced budget cuts and layoffs. AdvertisementThe rapid advancement of wearable technology is making it easier to accessorize with incorporate AI. Bosworth oversees Reality Labs, the division of Meta that produces virtual reality and augmented reality hardware and software. Behind the scenes, Reality Labs has many projects, from camera earbuds to mixed reality goggles.

Persons: Andrew Bosworth, —, there's, we've, Bosworth, it's, Meta Organizations: Labs, VR, Service, Meta, Command, Reality Labs, Orion, Business Locations: Meta

☆ 31-year-old made $27,000 this year from her LinkedIn side hustle—it helps pay her mortgage
▼ + stars: | 2024-10-12 | by ( Megan Sauer | ) www.cnbc.com time to read: +2 min

Jayde Powell started her social media career over a decade ago, working for wellness brands and big name companies like Delta Airlines. The money she earns from LinkedIn helps her pay her mortgage and utilities bills, and offset monthly business expenses, while she grows her own company, she says. Powell has made $32,700 through The Em Dash Co. and another $2,750 from other social media content so far this year. "There have been times where I haven't been able to pull in new client work [at the Em Dash Co.]." Here's how Powell developed her voice on social media and leveraged it into a lucrative LinkedIn side hustle.

Persons: Jayde Powell, Powell, Powell —, —, It's Organizations: Delta Airlines, LinkedIn, Twitter, CNBC, Em Locations: America, Atlanta, U.S

☆ I've spent over $10K on friends' weddings in 2.5 years. Anyone who puts you in a hard financial situation isn't a good friend.
▼ + stars: | 2024-10-12 | by ( Jane Zhang | ) www.businessinsider.com time to read: +10 min

Shannon Detrick has spent over $10,000 for friends' weddings and bachelorette parties since 2022. And that doesn't even include the four weddings for which we've been guests but not part of the wedding party. At the wedding, most of the members of our wedding party stayed for free in the big house on the wedding venue's property. There's also the issue of budgeting time off to attend friends' weddings — it starts to add up. That can be really, really challenging.

Persons: Shannon Detrick, —, I've, That's, we've, it's, It's, wasn't, we're, There's, she's, could've, I'm, Jane Zhang Organizations: Service Locations: Sacramento , California, Palm Springs, Miami, New Orleans, Denver, Maine, California, Sonoma

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