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☆ Yields on cash are cooling. Here are a few alternatives for your short-term dollars
▼ + stars: | 2024-10-01 | by ( Darla Mercado | Cfp | ) www.cnbc.com time to read: +5 min

It's only been two weeks since the Federal Reserve cut interest rates for the first time in more than four years, but investors are already getting paid less to park their extra cash. Central bank policymakers trimmed a half point from the fed funds rate in September, bringing it down to a range of 4.75% to 5%. That means that the days of 5% yields on idle cash are largely in the past, at least for the current cycle. Lock in with ladders Three key considerations for investors holding cash would be liquidity, yield and risk. For clients who want ready access to their cash, a high-yield savings account could be a solid bet, Sergunina said.

Persons: Jerome Powell, Arvind Narayanan, Anna Sergunina, Sergunina, Narayanan, Amy Arnott, isn't Organizations: Federal Reserve, Vanguard, Main, Financial, ., Federal Deposit Insurance, Morningstar, Bond, SEC Locations: Central, Los Gatos, Calif

Best Personal Loans With No Origination Fees of 2024We've rounded up the best no origination fee personal loans for people in a range of financial situations, with an emphasis on finding those that offer low APRs. Compare Personal Loan RatesTop Personal Loans with No Origination Fee ComparisonNot all personal loans have origination fees — and choosing a loan with no origination fee will save you money. Here is each lender's score:Lender BBB Grade LightStream Personal Loan A SoFi Personal Loan A+ Wells Fargo Personal Loan F PenFed Personal Loan A+ USAA Personal Loan A+All of our top picks, except Wells Fargo, are rated A or higher by the BBB. Best Personal Loans with No Origination Fee FAQsWhy is there an origination fee for personal loans? See our full ratings methodology for personal loans »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: what's, Wells Fargo, Wells, PenFed, you've, You'll, They're, Markia Brown, Sean August, Ryan Wangman, Brown, Read, Elias Shaya, Elias Organizations: Credit, PenFed Credit Union, you'll, PenFed, Credit Unions Credit, Better Business Bureau, Wells, BBB, Consumer Financial, Bureau, Chevron, Better, Wealth Management, Business, Finance, Northwestern University, Boston Globe Locations: Wells Fargo, New York City

Learn moreThe 2024 MLB Playoffs are here, and the month-long run-up to the World Series kicks off with a slate of Wild Card games. Whether you're looking to live stream a game or you just want to know what channel it's on, we've got you covered. How to watch the MLB Playoffs in the USThe MLB Playoffs will be spread across several networks: ABC, ESPN, ESPN2, FOX, FS1, and TBS. However, many ABC MLB games are simulcast on ESPN3 (which comes with Sling) and several FOX MLB games, with the exception of the World Series, are simulcast on FS1. Sling TV Subscription For just the essentials without any extra fluff, Sling TV is the streaming service you're looking for.

Persons: We've, They're, we've, Fubo, ExpressVPN Organizations: Business, Card, MLB, The Milwaukee Brewers, New York Yankees, Cleveland Guardians, Los Angeles Dodgers, Philadelphia Phillies, Houston Astros, Baltimore Orioles, San Diego Padres, Detroit Tigers, Kansas City Royals, New York Mets, Atlanta Braves, Brewers, Yankees, Guardians, Dodgers, ABC, ESPN, ESPN2, FOX, TBS, Sling, ABC MLB, ESPN3, FOX MLB, DirecTV, Entertainment, DirecTV Stream, DirecTV Fubo, TNT, CNN, Warner Bros, Fubo

☆ EchoStar's Dish sale marks disappointing end to Charlie Ergen's 'Seinfeld' strategy
▼ + stars: | 2024-09-30 | by ( Alex Sherman | In Alex-Sherman | ) www.cnbc.com time to read: +2 min

Dish's "Seinfeld" strategy appears to have ended quite like the actual show — with its finale a generally-accepted disappointment. In 2011, Dish cofounder Charlie Ergen first mentioned "Seinfeld" on an earnings call, responding to an analyst's question about his company's mixed bag of assets. When Dish and DirecTV discussed merging in 2014, DirecTV's market capitalization was about $40 billion, and Dish's market valuation was more than $28 billion. DirecTV sold a year later to AT&T for $49 billion in equity value. EchoStar was motivated to move Dish and its debt off its balance as a $2 billion debt payment matures in November, CNBC reported last week.

Persons: Charlie Ergen, Ergen, EchoStar, Hamid Akhavan Organizations: DirecTV, Comcast, Dish, Times, CNBC

☆ 6 strategies to help mitigate rising car and home insurance costs
▼ + stars: | 2024-09-30 | by ( Sharon Epperson | In Sharoneppersoncnbc | ) www.cnbc.com time to read: +8 min

While overall inflation has slowed, insurance costs are taking a bigger bite out of many household budgets. Car insurance premiums have also shot up. Bankrate estimates that in September the average cost for full coverage car insurance is $2,348 a year. Extreme weather events, higher replacement and repair costs, and increased medical expenses after accidents have boosted car insurance rates, experts say. Car insurance discounts range from safe driver and good student discounts to taking a defensive driving course.

Persons: Mike Spiering, Francesca Spiering, Joe Raedle, Shannon Martin, that's, Afilalo, Mike Barrett, Tayfun, David Carothers, Loretta Worters, you've, Rod Griffin, They're, You've, Bankrate's Martin, Price Organizations: Bureau of Labor Statistics, Autoinsurance.com, Barrett Insurance Agency, Anadolu, Getty, Independent Insurance Agents, of America, Florida Risk Partners, Insurance, Federal Emergency Management Agency, University of Pennsylvania's Wharton Risk Center Locations: Hollywood , Florida, St, Johnsbury , Vermont, Fork, New Mexico, United States, Florida, Valrico , Florida, U.S

In spite of this, many buyers are holding off since mortgage rates are expected to continue going down. See more mortgage rates on Zillow Real Estate on ZillowMortgage CalculatorUse our free mortgage calculator to see how today's interest rates will affect your monthly payments. Current 30-Year Mortgage RatesAverage 30-year mortgage rates are around 5.60%, according to Zillow data. Mortgage rates are determined by a variety of different factors, including larger economic trends, Federal Reserve policy, your state's current mortgage rates, the type of loan you're getting, and your personal financial profile. Now that the Fed has cut rates, mortgage rates may not drop much in October.

Persons: you'll, Freddie Mac, it's, they've Organizations: Federal Reserve, Fed, Zillow Locations: Chevron

☆ It turns out that hitting the snooze button is not that bad for you. Here's why you should stop, but also don't stress about it.
▼ + stars: | 2024-09-30 | by ( Hannah Nwoko | ) www.businessinsider.com time to read: +5 min

A 2022 sleep study found that 57% of participants hit the snooze button regularly. A neuroscientist explains how hitting the snooze button can fragment your last minutes of sleep. AdvertisementAt 6:45 a.m., your first alarm goes off, and you press the snooze button. Then again, every nine minutes until you realize you can't press the snooze button anymore or you'll be late for work. "Let's say you start your day with 30 minutes of snoozing — your last 30 minutes of sleep was poor-quality interrupted sleep.

Persons: —, Emily McDonald, McDonald, they're, Cristina Garcia, Garcia, it's Organizations: Service, Psychiatry, University of Arizona, Center for Sleep, Wellness Locations: Florida

☆ Jamie Dimon says the 'Buffett Rule' approach to taxing the wealthy could solve America's debt problem
▼ + stars: | 2024-09-30 | by ( Filip De Mott | ) www.businessinsider.com time to read: +4 min

On PBS, Jamie Dimon described the Buffett Rule as a good idea for clamping down on US debt. AdvertisementJPMorgan CEO Jamie Dimon has put forth a solution to unrestrained US debt: Tax the rich at the same rate as middle-class people, or at a higher rate. It earned its name from the billionaire investor Warren Buffett, who famously criticized the fact that his secretary paid a higher tax rate than he did. If debt remains unchecked amid high interest rates, the government will face higher borrowing costs. AdvertisementOtherwise, higher borrowing costs mean Washington will have less to spend on social initiatives.

Persons: Jamie Dimon, Buffett, —, Dimon, Warren Buffett, Peter G Organizations: PBS, Service, Congressional, Peterson, Democrats, Republicans Locations: Washington

☆ After 20 years in the finance industry I felt depressed and anxious — until I started microdosing. It helped me see how I was holding myself back.
▼ + stars: | 2024-09-30 | by ( Kim Schewitz | ) www.businessinsider.com time to read: +7 min

Peggy Van de Plassche felt depressed and anxious until she started microdosing psilocybin three years ago. When I got a promotion, for example, I wouldn't feel excited, even though I'd been working toward it for a long time. You're taking three grams, and you're dancing! I bought some products from my massage therapist and I started microdosing based on the research I had done. AdvertisementIt ended up taking on a life of its own and today I have a microdosing business.

Persons: Peggy Van de Plassche, psychedelics, There's, —, I'd, COVID, Van de Plassche, Jeremie Dupont, It's, I've Organizations: U.S, Service, FDA Locations: Toronto, Tokyo

☆ You don't need a QR code to get the facts checked at Tuesday's VP debate
▼ + stars: | 2024-09-30 | by ( Peter Kafka | ) www.businessinsider.com time to read: +4 min

You will have a choice: Go find that site the same way you find anything else on your phone — or use a QR code. The new, new thing, the Times stresses, will be that CBS will run a QR code onscreen during the debate. AdvertisementYou are reading this on a website, so I'm confident you know how QR codes work. You probably did end up using QR codes more frequently during the pandemic, where they became part of the "touchless" experience in some consumer settings, notably restaurants. But like other pandemic experiences, it looks like the QR code spike has faded post-Covid, now that people are happy to do stuff like hold menus in their hands.

Persons: —, Tim Walz, JD Vance, that's, Walz, Norah O'Donnell, Margaret Brennan Organizations: CBS, Service, New York Times, Times, Fox, ABC, NBC, CNN Locations: Asia

☆ No degree? No problem. Inside Blackstone's ambitious plans to internally grow talent for its data centers and other portfolio companies
▼ + stars: | 2024-09-30 | by ( Alex Nicoll | ) www.businessinsider.com time to read: +10 min

It's launched an internal Data Center Academy to find and train candidates to fill the specialized technical positions that can be tricky to hire for. QTS's talent programs have led to 100 new, trained hires, or 8% of the company's total size. Here's how Blackstone's Career Pathways program is helping the firm solve its data center talent problem. So far, the firm has placed five Data Center Academy cohorts in eleven markets. Dawon said the Data Center Academy taught him both hard and soft skills, such as public speaking and the ability to navigate a corporate environment.

Persons: Blackstone, Dawon, —, Steve Schwarzman, It's, Blackstone's, Joe Baratta, Marcus Felder, Felder, it's, Jon Gray, QTS, they've, Kimberly Hines, Alhaji Dawon, hadn't Organizations: Service, Uptime Institute, Blackstone Infrastructure Partners, Blackstone Property Partners, Data Center Academy, Manhattan, Blackstone Investing, Blackstone, Business, Department of Defense, cybersecurity, QTS Locations: QTS, cybersecurity

☆ I've worked in tech for over 20 years. These 2 career regrets haunt me the most.
▼ + stars: | 2024-09-30 | by ( Perri Ormont Blumberg | ) www.businessinsider.com time to read: +6 min

Bellucci's career spans roles at Lycos, Sony, and Fujitsu, focusing on tech innovation. AdvertisementThis as-told-to essay is based on a conversation with Cristiano Bellucci, a 48-year-old technology vision lead in Munich. I'm the technology vision lead at Fujitsu and the owner of DigitIdeas, a business coaching company. I balance my career at Fujitsu with running a coaching businessI start my day working at Fujitsu on our technology vision. My advice to others to avoid career regrets is to be lighter, take the risk, and try it with a smile.

Persons: Cristiano Bellucci, —, I've, DigitIdeas, could've, you'll, Lauryn Haas Organizations: Fujitsu, Sony, Service, Lycos, Smart, Innovation Circuit, lhaas Locations: Munich, Rome, Italy, Germany, intraprenuers, Brazil, America, San Francisco, Europe

☆ A history of Donald Trump and Mark Cuban's 'love-hate relationship'
▼ + stars: | 2024-09-30 | by ( Talia Lakritz | ) www.businessinsider.com time to read: +1 min

Mark Cuban and Donald Trump started out as rivals with dueling business-themed reality shows. "Let's get some things cleared up in case anyone is confused," Cuban wrote. Cuban wrote that Trump had covered "every inch of every wall" in his office with photos and magazine covers of himself. After Cuban published his blog post, Trump said that he didn't remember meeting Cuban. Cuban wrote a follow-up blog post titled "Of course you don't remember, Donald."

Persons: Mark Cuban, Donald Trump, Frederick M, Brown, Donald, Trump, Cuban Organizations: Chicago Sun, Mar, Cuban Locations: Lago, New York, Cuban

☆ 8 tax-reducing steps to take before 2024 ends, according to $2 trillion wealth manager BNY Mellon
▼ + stars: | 2024-09-29 | by ( Christine Ji | ) www.businessinsider.com time to read: +5 min

As 2024 draws to a close, now is the time for investors to review their tax strategy. AdvertisementWith October coming into view, it's a good time to sit down and review your tax strategy for 2024. On the other hand, high earners may want to defer investment income to minimize their net investment income tax (NIIT). Retirement considerationsBNY Mellon also said to consider maxing out your retirement accounts, such as a 401(k), traditional IRA, Roth IRA, and other plans. While this means you'll owe income tax on the money you convert, your assets will accumulate tax-free in the Roth IRA going forward, according to the note.

Persons: BNY Mellon, —, Mellon, Roth Organizations: BNY, Service, Mellon Wealth Management, Investors, Roth IRA

See more mortgage rates on Zillow Real Estate on ZillowMortgage CalculatorUse our free mortgage calculator to see how today's mortgage rates would impact your monthly payments. 30-Year Mortgage Rates TodayAverage 30-year mortgage rates are hovering near 5.80%, according to Zillow data. 15-Year Mortgage Rates TodayAverage 15-year mortgage rates are near 5%, according to Zillow data. Last month, 30-year refinance rates averaged 6.59%, while 15-year refinance rates were around 5.90%. 5-Year Mortgage Rate TrendsHere's how 30-year and 15-year mortgage rates have trended over the last five years, according to Freddie Mac data.

Persons: you'll, Freddie Mac, it's, they've, They'll, refinance Organizations: Federal Reserve, Fed, Zillow Locations: Chevron

☆ Elon Musk's pro-Trump super PAC is running ads targeting young men who don't vote
▼ + stars: | 2024-09-29 | by ( Katie Balevic | ) www.businessinsider.com time to read: +3 min

Elon Musk's super PAC is trying to get young men to vote for Donald Trump. Ads by the America PAC tout Trump as "the American badass" who can save the nation. Young men aged 18 to 44 have historically turned out to vote less than their female counterparts. The 15-second ad funded by America PAC opens with a still shot of a young bearded man slumped on a couch. AdvertisementIn another post, Musk said "Trump must win" to save the nation's democracy and preserve free speech.

Persons: Elon, Donald Trump, —, schtick, Trump, Elon Musk, Kamala, Musk, JD Vance Organizations: Elon Musk's, America PAC, Trump, Service, PAC, Center for American Women Locations: American

☆ This woman has been on 17 cruises in the past year. Here are her 9 tips for first-time, budget, and solo cruisers.
▼ + stars: | 2024-09-29 | by ( Brittany Chang | ) www.businessinsider.com time to read: +10 min

So far, she's been on 17 sailings — 11 with Norwegian Cruise Line and some back-to-back — since she left the US one year ago. If you're a first-time, budget, or solo cruiser, Thomas has nine suggestions for you, from sailing solo to finding the cheapest cruise. Thomas suggests travelers wanting to achieve loyalty status should test two or three companies before settling on a favorite. In 2024, Norwegian Cruise Line introduced solo interior, ocean view, and balcony cabins on top of its existing "studios" designed for single travelers. Norwegian Cruise LineSome cruise companies charge solo travelers a "single supplement" fee to compensate for lost revenue on dual occupancy cabins.

Persons: Shirene Thomas, —, Thomas, Villa Vie's, she's, Brittany Chang, Taylor Rains, she'll, there's, Pieter De Boer, it's, Jason Liberty Organizations: Villa, Service, Cruise Lines International Association, Sea Cruises, Norwegian Cruise Line, Cruise, Cruise Line, Firenze, Business, Facebook, Royal, upcharges, Royal Caribbean, Oasis Class, Seas Locations: Wilmington , North Carolina, Norwegian, CocoCay, —, New Orleans, Barcelona, Florida's Port Canaveral

☆ I made Tim Walz's Turkey Trot Tater-Tot Hotdish ahead of his debate with JD Vance. Here's how to prepare the easy meal.
▼ + stars: | 2024-09-29 | by ( Lauren Edmonds | ) www.businessinsider.com time to read: +7 min

Related storiesA recipe Walz had previously shared on X for his Turkey Trot Tater-Tot Hotdish then went viral, racking up 1.5 million views. AdvertisementHere's how to make Tim Walz's Turkey Trot Tater-Tot HotdishIngredients for Tim Walz's Turkey Trot Tater-Tot Hotdish. Fry the bacon until crispy, then chop it into 1/4-inch pieces before adding it to the baking dish. Lauren Edmonds/Business Insider Pour the cheese mixture over the ingredients in the baking dish. On that front, Walz's hotdish recipe is a winner.

Persons: Tim Walz, Ohio Sen, JD Vance, Walz, —, Sen, they've, Vance, Usha Vance, Stephen Maturen, He's, Bill Clark, Getty Images Walz, Harris, Hotdish, Tim Walz's, Lauren Edmonds, browning, Cook, Lauren Edmodns, it's Organizations: Minnesota Gov, Service, Wall Street Journal, Minnesota, Getty Images, Turkey, Business Locations: Minnesota, Ohio, Turkey, Georgia, New York City, Tim Walz's Turkey, Southern

For Love & Money is a column from Business Insider answering your relationship and money questions. Write to For Love & Money using this Google form. I imagine your wife doesn't view it as a tragedy. If you can't live this way, then something has to change, and your wife must open her heart to this. Write to For Love & Money using this Google form .

Persons: —, she's, it's, we're, I've, you'll, doesn't Organizations: Business, Service

☆ Costco's members are getting younger as millennial and Gen Z shoppers flock to wholesale clubs
▼ + stars: | 2024-09-28 | by ( Dominick Reuter | ) www.businessinsider.com time to read: +4 min

Costco is the latest warehouse club to tout its growing popularity with millennial and Gen Z shoppers. Sam's Club has reported similar trends as younger shoppers look to stretch their budgets. AdvertisementOne of the hottest clubs for millennials and Gen Z continues to be the wholesale club. AdvertisementThe news echoes results from Sam's Club, the Walmart-owned club store, where Gen Z membership has grown by 68% in the past two years. Related stories"That generation believes it's cool to save money, and we agree with them," Sam's Club CEO Chris Nicholas told CNBC in June.

Persons: —, Gen Z, Gary Millerchip, Millerchip, GoBankingRates, Dominic Wright, Placer.ai, That's, Hottovy, Chris Nicholas, Nicholas, Corey Tarlowe, Jordan, Ford Pinto, TJ, Tarlowe, you'll, Mercedes, Costco's Kirkland, Club's, Mark Organizations: Costco, Sam's, Service, millennials, Analytical Research, Business, Sam's Club, Walmart, CNBC, Jefferies, Price Club, TJ Maxx

☆ I own a luxury cleaning service. Here are the 5 things people do wrong when cleaning.
▼ + stars: | 2024-09-28 | by ( Holly Oldham | ) www.businessinsider.com time to read: +4 min

AdvertisementAs a luxury cleaning service owner, here are five things people get wrong when cleaning. If you're washing sheets, blankets, or even towels, I highly recommend using the setting for each. However, the items inside may get a shorter wash cycle than is needed. Some clothes need a longer wash cycle — for example, your family's sports choices. Bathroom rugs need to be refreshed in the dryer or shaken outside, at minimum, weekly.

Persons: —, I'm, who's, I've Organizations: Service

Even though the Fed plans to continue cutting rates, mortgage rates might not fall much more this year. Mortgage rates trended down ahead of this decision, but now that the cut has happened and the rest of this year's cuts are priced in, it will take a change in the economic outlook to push mortgage rates down further. See more mortgage rates on Zillow Real Estate on ZillowMortgage CalculatorUse our free mortgage calculator to see how today's mortgage rates will affect your monthly and long-term payments. 5-Year Mortgage Rate TrendsHere's how 30-year and 15-year mortgage rates have trended over the last five years, according to Freddie Mac data. Mortgage rates are determined by a variety of different factors, including larger economic trends, Federal Reserve policy, your state's current mortgage rates, the type of loan you're getting, and your personal financial profile.

Persons: they've, Freddie Mac Organizations: Federal Reserve, Fed, Zillow, ARM, Federal Housing Administration, Department of Veterans Affairs Locations: U.S, Chevron

This week — the week of September 29 through October 5 — is the best time to buy a home, according to Realtor.com. Mortgage rates are the lowest they've been in two yearsMortgage rates have dropped rapidly in the last few months. Average 30-year mortgage rates are now down to 6.08%, according to Freddie Mac — the lowest they've been since September 2022. Should you buy during the 'best week to buy'? So, should you take advantage of the best week to buy?

Persons: —, Realtor.com, you'll, there's, Danielle Hale, Freddie Mac, Hale, that's Organizations: Service, Realtor.com

☆ My son just got married, and I'm no longer the center of his world. I'm now lost and wish I didn't make 'mom' my only identity.
▼ + stars: | 2024-09-28 | by ( Susan Solomon Yem | ) www.businessinsider.com time to read: +4 min

My son has just married, so I am no longer the queen of his universe. I regret making my children the center of my world because they no longer need me as adults. I've always made my children the center of my world, but now that they're adults, I'm struggling to understand my role in their lives. When Queen Elizabeth ascended the throne, her mother became Queen Mother. Now, I struggle with the realization that my children no longer need me in the way they once did.

Persons: —, That's, I'm, I've, it's, Champagne, Queen Elizabeth, Queen Mother, that's Organizations: Service

See more mortgage rates on Zillow Real Estate on ZillowWhat Are Today's Mortgage Refinance Rates? See more mortgage rates on Zillow Real Estate on ZillowMortgage CalculatorUse our free mortgage calculator to see how today's mortgage rates will affect your monthly and long-term payments. Current 30-Year Mortgage RatesAverage 30-year mortgage rates are hovering around 5.80%, according to Zillow data. Mortgage rates are determined by a variety of different factors, including larger economic trends, Federal Reserve policy, your state's current mortgage rates, the type of loan you're getting, and your personal financial profile. But now that inflation has decelerated and the Fed is expected to cut rates soon, mortgage rates have trended down.

Persons: they've, Lawrence Yun, Freddie Mac, it's, Fannie Mae Organizations: Federal, National Association of Realtors, Zillow, Fed, Mortgage, Association, ARM, . Government Locations: Chevron, Government

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