How to see which apps are gobbling up all of your data each month

If you don’t have an unlimited wireless data plan — and sometimes even if you do — you should pay attention to which apps use the most data on your iPhone. Sometimes, for example, an app that you use frequently might consume far more of your data than you think. And, if you start to get warnings about using too much data, it could be that a buggy app is using more than it should. It’s good practice to check up on which apps are using most of your data. That way, you’ll know to remember to connec


If you don’t have an unlimited wireless data plan — and sometimes even if you do — you should pay attention to which apps use the most data on your iPhone. Sometimes, for example, an app that you use frequently might consume far more of your data than you think. And, if you start to get warnings about using too much data, it could be that a buggy app is using more than it should. It’s good practice to check up on which apps are using most of your data. That way, you’ll know to remember to connec
How to see which apps are gobbling up all of your data each month Cached Page below :
Company: cnbc, Activity: cnbc, Date: 2019-07-12  Authors: todd haselton
Keywords: news, cnbc, companies, wireless, wifi, app, check, youll, way, gobbling, apps, using, data, month, example


How to see which apps are gobbling up all of your data each month

If you don’t have an unlimited wireless data plan — and sometimes even if you do — you should pay attention to which apps use the most data on your iPhone.

Sometimes, for example, an app that you use frequently might consume far more of your data than you think. In my case, I found that Twitter uses nearly as much as Apple Music, for example. And, if you start to get warnings about using too much data, it could be that a buggy app is using more than it should.

It’s good practice to check up on which apps are using most of your data. That way, you’ll know to remember to connect to a Wi-Fi network when using a particularly data-hungry app, or which apps to limit before you go over your cap.

It only takes a couple of seconds to check. Here’s how to do it on an iPhone, though the process is relatively similar on an Android phone, too.


Company: cnbc, Activity: cnbc, Date: 2019-07-12  Authors: todd haselton
Keywords: news, cnbc, companies, wireless, wifi, app, check, youll, way, gobbling, apps, using, data, month, example


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Here’s an example of the perfect resume, according to Harvard career experts

Just the thought of writing a resume can lead to a huge headache. But it doesn’t have to be so complicated. Try to think of your resume as an award-winning short memoir about your professional experience. Here’s what a strong resume looks like, according to Harvard career experts (click here to enlarge):IMAGE CREDIT: Harvard University, Office of Career Services / Harvard Extension School, Career and Academic Resource CenterDon’t know where to start? The career experts suggest considering the es


Just the thought of writing a resume can lead to a huge headache. But it doesn’t have to be so complicated. Try to think of your resume as an award-winning short memoir about your professional experience. Here’s what a strong resume looks like, according to Harvard career experts (click here to enlarge):IMAGE CREDIT: Harvard University, Office of Career Services / Harvard Extension School, Career and Academic Resource CenterDon’t know where to start? The career experts suggest considering the es
Here’s an example of the perfect resume, according to Harvard career experts Cached Page below :
Company: cnbc, Activity: cnbc, Date: 2019-07-10  Authors: dustin mckissen
Keywords: news, cnbc, companies, unique, heres, resume, perfect, harvard, example, according, writing, try, truth, experts, university, written, career


Here's an example of the perfect resume, according to Harvard career experts

Just the thought of writing a resume can lead to a huge headache.

But it doesn’t have to be so complicated. Try to think of your resume as an award-winning short memoir about your professional experience.

Certainly, they aren’t exactly the same (resumes shouldn’t be written in a narrative style), but both share a few similarities: They tell the truth, differentiate you from others, highlight your most unique qualities and capture readers’ attention.

Here’s what a strong resume looks like, according to Harvard career experts (click here to enlarge):

IMAGE CREDIT: Harvard University, Office of Career Services / Harvard Extension School, Career and Academic Resource Center

Don’t know where to start? The career experts suggest considering the essential tips below:


Company: cnbc, Activity: cnbc, Date: 2019-07-10  Authors: dustin mckissen
Keywords: news, cnbc, companies, unique, heres, resume, perfect, harvard, example, according, writing, try, truth, experts, university, written, career


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Cramer: Wednesday’s ‘crazy session’ is a perfect example of the market’s new normal

A cross current of bad retail data and market-moving news out of the White House carried Wall Street higher on Wednesday, CNBC’s Jim Cramer said. “I want to walk you through what happened in this crazy session because it is a perfect encapsulation of the new normal.” Macy’s saw action during the session similar to Ralph Lauren’s the day prior, Cramer said. The Trump administration has imposed tariffs on 40% of imports from China and is considering slapping duties on the remaining 60%, Cramer sai


A cross current of bad retail data and market-moving news out of the White House carried Wall Street higher on Wednesday, CNBC’s Jim Cramer said. “I want to walk you through what happened in this crazy session because it is a perfect encapsulation of the new normal.” Macy’s saw action during the session similar to Ralph Lauren’s the day prior, Cramer said. The Trump administration has imposed tariffs on 40% of imports from China and is considering slapping duties on the remaining 60%, Cramer sai
Cramer: Wednesday’s ‘crazy session’ is a perfect example of the market’s new normal Cached Page below :
Company: cnbc, Activity: cnbc, Date: 2019-05-15  Authors: tyler clifford
Keywords: news, cnbc, companies, session, wall, white, crazy, wednesdays, chinese, today, cramer, normal, trump, trade, stocks, tariffs, street, example, markets, perfect


Cramer: Wednesday's 'crazy session' is a perfect example of the market's new normal

A cross current of bad retail data and market-moving news out of the White House carried Wall Street higher on Wednesday, CNBC’s Jim Cramer said.

The Dow Jones Industrial Average gained nearly 116 points Wednesday. The S&P 500 advanced 0.58%, while the Nasdaq Composite advanced 1.13%.

“We got a weird combination of tailwinds today … Turns out we can get good news, too, and some days like today the stock market actually makes sense,” the “Mad Money” host said. “I want to walk you through what happened in this crazy session because it is a perfect encapsulation of the new normal.”

The market had a rough opening after news that retail sales declined for the second time in three months, tallying a 0.2% fall in April. The weakness included autos, home centers and the internet stores, Cramer said.

That brought the benchmark 10-year Treasury to its lowest yield of the year at 2.37% and pushed buyers into stocks with safe, consistent dividends, he noted, including Kimberly-Clark and PepsiCo. Money also moved into Facebook, Amazon, Netflix and Google’s Alphabet, along with the financial technology plays of PayPal, Square Inc., Visa and MasterCard, he added.

Even health care stocks, which have been hurting amid calls from some Democratic presidential candidates for a single-payer system, rallied because the industry does well in a slowing economy, Cramer said.

Macy’s saw action during the session similar to Ralph Lauren’s the day prior, Cramer said. The department chain’s share price rallied after the company reported an earnings beat and recorded higher-than-expected sales in the morning, but the company ultimately revealed how vulnerable it is to tariffs and finished down 0.46%.

The Trump administration has imposed tariffs on 40% of imports from China and is considering slapping duties on the remaining 60%, Cramer said.

“If that happens, the analysts will have to slash their estimates on this one,” Cramer said. “Macy’s won’t be alone. Almost every retailer has some exposure because they’ve spent decades sourcing their merchandise from Chinese vendors in order to keep costs down. Now that’s blowing up in their faces.”

Later in the day, news broke that the White House plans to delay automotive tariffs by up to six months.

“I can’t overemphasize the importance of this leaked news,” Cramer said. “In one fell swoop, [President Donald] Trump went from being a hated protectionist, know-nothing to someone who might be cleverly assembling a coalition of the willing in the trade war against the Chinese, at least in the eyes of Wall Street.”

Furthermore, more CEOs of companies that deal with China are warming up to the action that Trump has taken on the country, Cramer said.

That includes Goldman Sachs CEO David Solomon, who on Tuesday tweeted: “Tariffs might be an effective negotiating tool.” Cramer also highlighted that New York Times foreign affairs columnist Tom Friedman, who is a proponent of globalization, came out in support of the trade war.

“To me, these represent tectonic shifts in the Wall Street consensus,” Cramer said. “I think it gives Trump a much better bargaining position versus the Chinese, and it certainly gave us higher stock prices.”


Company: cnbc, Activity: cnbc, Date: 2019-05-15  Authors: tyler clifford
Keywords: news, cnbc, companies, session, wall, white, crazy, wednesdays, chinese, today, cramer, normal, trump, trade, stocks, tariffs, street, example, markets, perfect


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Bill Gates says he talked with Google employees about AI, health care

Bill Gates, co-founder and former CEO of Microsoft, says he talked to Google researchers on Monday about the application of artificial-intelligence technology in health care. The intersection of AI and health care is a longtime area of interest for Google. And Verily, another subsidiary of Alphabet alongside Google, is solely focused on health care. Gates talked about the use of AI in weapons systems and autonomous vehicles before arriving at the subject of health care. Google didn’t respond to


Bill Gates, co-founder and former CEO of Microsoft, says he talked to Google researchers on Monday about the application of artificial-intelligence technology in health care. The intersection of AI and health care is a longtime area of interest for Google. And Verily, another subsidiary of Alphabet alongside Google, is solely focused on health care. Gates talked about the use of AI in weapons systems and autonomous vehicles before arriving at the subject of health care. Google didn’t respond to
Bill Gates says he talked with Google employees about AI, health care Cached Page below :
Company: cnbc, Activity: cnbc, Date: 2019-03-18  Authors: jordan novet, lacy otoole
Keywords: news, cnbc, companies, visit, health, things, interest, care, google, example, microsoft, talked, bill, gates, employees, going, ai


Bill Gates says he talked with Google employees about AI, health care

Bill Gates, co-founder and former CEO of Microsoft, says he talked to Google researchers on Monday about the application of artificial-intelligence technology in health care.

The intersection of AI and health care is a longtime area of interest for Google. Researchers there have explored the use of AI algorithms for making predictions based onmedical records. And Verily, another subsidiary of Alphabet alongside Google, is solely focused on health care. While Microsoft and Google are arch-competitors in many areas, including cloud computing and artificial intelligence research, the visit is an example of how Gates’ broad interest in technology trumps Microsoft’s historical rivalries with other tech companies.

Gates brought up the visit spontaneously after a person in the audience at the Human-Centered Artificial Intelligence Symposium at Stanford University in California, held near Google’s Mountain View headquarters, asked him about how to ensure that AI will operate ethically.

Gates talked about the use of AI in weapons systems and autonomous vehicles before arriving at the subject of health care.

“In the medical field, you know, we just don’t have doctors. Most people are born and die in Africa without coming near to a doctor,” said Gates, who is co-chair of the nonprofit Bill & Melinda Gates Foundation, which concerns itself with improving global health among other things.

“We’re doing a lot of work with analyzing ultrasound, and we can do things like sex-blind the output, because we’re not having anybody actually see the image. We can tell you what’s going on without revealing the gender, which is, of course — when you do that, it drives gendercide. And yet, we’re doing the analysis, the medical understanding, in a much deeper way, and that’s an example where it’s all done with a lot of machine learning.

“I was meeting with the guys at Google who are helping us with this this morning, and there’s some incredible promise in that field, where, in the primary health-care system, the amount of sophistication to do diagnosis and understand, for example, ‘Is this a high-risk pregnancy?’ ‘Yes.’ ‘Let’s escalate that person to go to the hospital level,’ even though you couldn’t afford to do that on a widespread basis. So this stuff is going to be very domain-specific.”

In his talk on Monday Gates pointed to an interest in the potential of AI much earlier in his life.

“When I started Microsoft, I literally wrote a note to my parents, and I said, ‘Okay, I may miss a bunch of breakthroughs in AI, and that’ll be what I give up to create this company, but oh, well,'” he said. “Well, for about 20 years, I didn’t miss much. More recently, there’s amazing things going on, and fortunately, Microsoft has gotten to a size that it, along with Google and many others, get to participate.”

Google didn’t respond to a request for comment on Gates’ visit.

WATCH: Melinda Gates on global health and eliminating poverty


Company: cnbc, Activity: cnbc, Date: 2019-03-18  Authors: jordan novet, lacy otoole
Keywords: news, cnbc, companies, visit, health, things, interest, care, google, example, microsoft, talked, bill, gates, employees, going, ai


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Here’s the one question to ask when investing in emerging markets

Emerging markets are getting energized this year. The VWO Vanguard FTSE emerging markets ETF and small cap-focused IEMG MSCI emerging markets ETF, which holds small caps, have had similar moves this year. Investors can play an even more bullish bet on the emerging markets by pairing a long position with a short position on the developed markets. The Direxion RWED emerging over developed markets ETF, for example, is 150 percent in emerging markets and 50 percent short the developed markets. Direx


Emerging markets are getting energized this year. The VWO Vanguard FTSE emerging markets ETF and small cap-focused IEMG MSCI emerging markets ETF, which holds small caps, have had similar moves this year. Investors can play an even more bullish bet on the emerging markets by pairing a long position with a short position on the developed markets. The Direxion RWED emerging over developed markets ETF, for example, is 150 percent in emerging markets and 50 percent short the developed markets. Direx
Here’s the one question to ask when investing in emerging markets Cached Page below :
Company: cnbc, Activity: cnbc, Date: 2019-03-18  Authors: keris lahiff
Keywords: news, cnbc, companies, etf, exposure, investing, ask, emerging, play, china, eem, question, example, short, heres, markets, developed


Here's the one question to ask when investing in emerging markets

Emerging markets are getting energized this year.

The most well-known emerging markets exchange-traded fund, the EEM MSCI ETF, has rallied more than 11 percent in 2019, keeping it at the heels of the S&P 500’s nearly 13 percent gain. The VWO Vanguard FTSE emerging markets ETF and small cap-focused IEMG MSCI emerging markets ETF, which holds small caps, have had similar moves this year.

Tom Lydon, editor-in-chief of ETFTrends.com, said there’s is an important question to ask when deciding upon how to play the emerging market.

“Recently it’s been all about China and China does make up a big part of emerging markets today,” Lydon said on CNBC’s “ETF Edge” on Monday. “Do you want to play all emerging markets or do you want to be specific on China? There are a lot of varieties out there.”

The EEM ETF, for example, has 73 percent exposure to the Asia Pacific with 23 percent coming from Hong Kong, 10 percent from Taiwan, and 8 percent from China.

Lydon says a better way to gain exposure to the China space is the ASHR China A-shares ETF, a more-focused mainland China play. It has rallied more than 30 percent this year.

Todd Rosenbluth, director of ETF and mutual fund research at CFRA, says investors need to be aware of what is in their emerging markets ETF and whether they have enough, or any, exposure to their favored region.

“You really need to look under the hoods with ETFs, and emerging markets are a perfect example of that,” Rosenbluth said on “ETF Edge on Monday. “EEM, and a cheaper version IEMG, has South Korean exposure – it’s about 14 percent of the portfolio. VWO does not have that so it has more exposure to India, South Africa, other countries besides China.”

Investors can play an even more bullish bet on the emerging markets by pairing a long position with a short position on the developed markets. The Direxion RWED emerging over developed markets ETF, for example, is 150 percent in emerging markets and 50 percent short the developed markets.

“Investors can be tactical using ETFs whether they are focused only on emerging markets or if they want to do that relative to developed markets and these Direxion products are new but are very compelling to take a look at,” said Rosenbluth.

Direxion also has a long developed markets, short emerging markets play in the RWDE ETF. Both launched earlier this year.


Company: cnbc, Activity: cnbc, Date: 2019-03-18  Authors: keris lahiff
Keywords: news, cnbc, companies, etf, exposure, investing, ask, emerging, play, china, eem, question, example, short, heres, markets, developed


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Bill Gates says he talked with Google employees about AI, health care

Bill Gates, co-founder and former CEO of Microsoft, says he talked to Google researchers on Monday about the application of artificial-intelligence technology in health care. The intersection of AI and health care is a longtime area of interest for Google. And Verily, another subsidiary of Alphabet alongside Google, is solely focused on health care. Gates talked about the use of AI in weapons systems and autonomous vehicles before arriving at the subject of health care. Google didn’t respond to


Bill Gates, co-founder and former CEO of Microsoft, says he talked to Google researchers on Monday about the application of artificial-intelligence technology in health care. The intersection of AI and health care is a longtime area of interest for Google. And Verily, another subsidiary of Alphabet alongside Google, is solely focused on health care. Gates talked about the use of AI in weapons systems and autonomous vehicles before arriving at the subject of health care. Google didn’t respond to
Bill Gates says he talked with Google employees about AI, health care Cached Page below :
Company: cnbc, Activity: cnbc, Date: 2019-03-18  Authors: jordan novet, lacy otoole
Keywords: news, cnbc, companies, visit, health, things, interest, care, google, example, microsoft, talked, bill, gates, employees, going, ai


Bill Gates says he talked with Google employees about AI, health care

Bill Gates, co-founder and former CEO of Microsoft, says he talked to Google researchers on Monday about the application of artificial-intelligence technology in health care.

The intersection of AI and health care is a longtime area of interest for Google. Researchers there have explored the use of AI algorithms for making predictions based onmedical records. And Verily, another subsidiary of Alphabet alongside Google, is solely focused on health care. While Microsoft and Google are arch-competitors in many areas, including cloud computing and artificial intelligence research, the visit is an example of how Gates’ broad interest in technology trumps Microsoft’s historical rivalries with other tech companies.

Gates brought up the visit spontaneously after a person in the audience at the Human-Centered Artificial Intelligence Symposium at Stanford University in California, held near Google’s Mountain View headquarters, asked him about how to ensure that AI will operate ethically.

Gates talked about the use of AI in weapons systems and autonomous vehicles before arriving at the subject of health care.

“In the medical field, you know, we just don’t have doctors. Most people are born and die in Africa without coming near to a doctor,” said Gates, who is co-chair of the nonprofit Bill & Melinda Gates Foundation, which concerns itself with improving global health among other things.

“We’re doing a lot of work with analyzing ultrasound, and we can do things like sex-blind the output, because we’re not having anybody actually see the image. We can tell you what’s going on without revealing the gender, which is, of course — when you do that, it drives gendercide. And yet, we’re doing the analysis, the medical understanding, in a much deeper way, and that’s an example where it’s all done with a lot of machine learning.

“I was meeting with the guys at Google who are helping us with this this morning, and there’s some incredible promise in that field, where, in the primary health-care system, the amount of sophistication to do diagnosis and understand, for example, ‘Is this a high-risk pregnancy?’ ‘Yes.’ ‘Let’s escalate that person to go to the hospital level,’ even though you couldn’t afford to do that on a widespread basis. So this stuff is going to be very domain-specific.”

In his talk on Monday Gates pointed to an interest in the potential of AI much earlier in his life.

“When I started Microsoft, I literally wrote a note to my parents, and I said, ‘Okay, I may miss a bunch of breakthroughs in AI, and that’ll be what I give up to create this company, but oh, well,'” he said. “Well, for about 20 years, I didn’t miss much. More recently, there’s amazing things going on, and fortunately, Microsoft has gotten to a size that it, along with Google and many others, get to participate.”

Google didn’t respond to a request for comment on Gates’ visit.

WATCH: Melinda Gates on global health and eliminating poverty


Company: cnbc, Activity: cnbc, Date: 2019-03-18  Authors: jordan novet, lacy otoole
Keywords: news, cnbc, companies, visit, health, things, interest, care, google, example, microsoft, talked, bill, gates, employees, going, ai


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Apple’s China warning is another example of Trump impact on tech

Apple’s lowered revenue outlook is more than just the latest bad headline out of Silicon Valley — it’s another example of President Donald Trump’s impact on the tech world. CEO Tim Cook’s announcement Wednesday that Apple had lowered fiscal first-quarter sales expectations cited China’s faltering economy amid Trump’s escalating trade war with that nation as a primary culprit. Trump’s tech impact extends well into Silicon Valley. Indeed, Silicon Valley was an early beneficiary of the Trump presid


Apple’s lowered revenue outlook is more than just the latest bad headline out of Silicon Valley — it’s another example of President Donald Trump’s impact on the tech world. CEO Tim Cook’s announcement Wednesday that Apple had lowered fiscal first-quarter sales expectations cited China’s faltering economy amid Trump’s escalating trade war with that nation as a primary culprit. Trump’s tech impact extends well into Silicon Valley. Indeed, Silicon Valley was an early beneficiary of the Trump presid
Apple’s China warning is another example of Trump impact on tech Cached Page below :
Company: cnbc, Activity: cnbc, Date: 2019-01-03  Authors: kevin breuninger, jeff daniels, chip somodevilla, getty images
Keywords: news, cnbc, companies, silicon, apples, trump, trumps, china, market, valley, tech, example, president, stock, warning, war, trade, impact


Apple's China warning is another example of Trump impact on tech

Apple’s lowered revenue outlook is more than just the latest bad headline out of Silicon Valley — it’s another example of President Donald Trump’s impact on the tech world.

Trump, who campaigned as a champion of America’s “forgotten” blue-collar workers and manufacturers, is nevertheless linked tightly to the elite tech industry through his policies, rhetoric and political fortunes.

CEO Tim Cook’s announcement Wednesday that Apple had lowered fiscal first-quarter sales expectations cited China’s faltering economy amid Trump’s escalating trade war with that nation as a primary culprit.

“We believe the economic environment in China has been further impacted by rising trade tensions with the United States,” Cook told CNBC on Wednesday. He also mentioned inflation and a market trend toward replacing iPhone batteries that the company suggests is cutting into new hardware sales.

Apple’s shares plunged on the news Thursday, adding to steep losses for the Dow Jones Industrial Average.

Trump’s tech impact extends well into Silicon Valley. As part of his attacks on Jeff Bezos, the president has accused Amazon of taking advantage of favorable postal rates and paying less than its fair share of taxes. Facebook and Twitter have seen their reputations damaged in the fallout from revelations that Russia used those platforms to deploy a disinformation campaign meant to aid Trump in the 2016 U.S. election. And Trump has accused Google of political bias and “suppressing voices of Conservatives.”

The collateral damage cuts both ways. The tech sector led the stock market’s precipitous decline, a rout that has also hurt the president, who points to stock market gains as a symbol of his success overseeing the economy.

Indeed, Silicon Valley was an early beneficiary of the Trump presidency. The anticipation and subsequent realization of a generous corporate tax cut helped the rocket-propelled rise of the so-called FAANG tech stocks along with the broader market and fueled a giddy optimism in the economy.

But as Trump’s trade war with China intensified — and the effects of the stimulus wore off — steep declines in each company’s market value followed. Coupled with threats of increased regulation over the industry and a general public unease over privacy, it’s unclear whether that unbridled growth and optimism will return.


Company: cnbc, Activity: cnbc, Date: 2019-01-03  Authors: kevin breuninger, jeff daniels, chip somodevilla, getty images
Keywords: news, cnbc, companies, silicon, apples, trump, trumps, china, market, valley, tech, example, president, stock, warning, war, trade, impact


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Powell shouldn’t follow Greenspan’s example at Fed, veteran economist says

Federal Reserve Chairman Jay Powell would be wrong to copy the playbook of his predecessor Alan Greenspan, according to a Yale lecturer and former Morgan Stanley executive. In the 1990s, then Fed-chair Greenspan took a watch-and-wait policy, keeping rates low to see if inflation would materialize in the face of a growing economy. At the Federal Reserve’s annual retreat to Jackson Hole, Wyoming, in August, Powell praised Greenspan’s do-nothing stance as sound risk management. But Stephen Roach, a


Federal Reserve Chairman Jay Powell would be wrong to copy the playbook of his predecessor Alan Greenspan, according to a Yale lecturer and former Morgan Stanley executive. In the 1990s, then Fed-chair Greenspan took a watch-and-wait policy, keeping rates low to see if inflation would materialize in the face of a growing economy. At the Federal Reserve’s annual retreat to Jackson Hole, Wyoming, in August, Powell praised Greenspan’s do-nothing stance as sound risk management. But Stephen Roach, a
Powell shouldn’t follow Greenspan’s example at Fed, veteran economist says Cached Page below :
Company: cnbc, Activity: cnbc, Date: 2018-11-30  Authors: david reid, adam jeffery, john duricka
Keywords: news, cnbc, companies, economist, fed, greenspan, veteran, bubbles, follow, powell, shouldnt, stanley, greenspans, example, yale, morgan, chairman, jay, federal


Powell shouldn't follow Greenspan's example at Fed, veteran economist says

Federal Reserve Chairman Jay Powell would be wrong to copy the playbook of his predecessor Alan Greenspan, according to a Yale lecturer and former Morgan Stanley executive.

Powell has been criticized by some market players, as well as by Donald Trump, who believe the central banker risks triggering a U.S. economic contraction by enforcing multiple rate rises next year.

In the 1990s, then Fed-chair Greenspan took a watch-and-wait policy, keeping rates low to see if inflation would materialize in the face of a growing economy. At the Federal Reserve’s annual retreat to Jackson Hole, Wyoming, in August, Powell praised Greenspan’s do-nothing stance as sound risk management.

But Stephen Roach, a senior fellow at Yale University and former chairman of Morgan Stanley Asia, told CNBC’s “Squawk Box Europe” on Friday that Powell would do well to learn from Greenspan’s mistakes.

“The Greenspan ‘put’ supported markets a lot, but he also gave us lots of bubbles and crises that were spawned by those bubbles which I think history does not treat kindly at all,” he said.

The veteran economist added that it was not “such a bad thing that Jay Powell is not a clone of Alan Greenspan.”


Company: cnbc, Activity: cnbc, Date: 2018-11-30  Authors: david reid, adam jeffery, john duricka
Keywords: news, cnbc, companies, economist, fed, greenspan, veteran, bubbles, follow, powell, shouldnt, stanley, greenspans, example, yale, morgan, chairman, jay, federal


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Follow Indra Nooyi’s example: Become a leader people are excited to follow

When taking on a new role, it’s important to create a vision and share it with those you lead. This is exactly what Indra did when she transitioned from CFO to CEO of PepsiCo. Despite Indra’s track record as an amazing functional leader, she was still nervous about taking on the top position at PepsiCo. Indra admitted she was uneasy because she didn’t know if people would buy into her plan. Her shared vision helped everyone understand where PepsiCo was going next.


When taking on a new role, it’s important to create a vision and share it with those you lead. This is exactly what Indra did when she transitioned from CFO to CEO of PepsiCo. Despite Indra’s track record as an amazing functional leader, she was still nervous about taking on the top position at PepsiCo. Indra admitted she was uneasy because she didn’t know if people would buy into her plan. Her shared vision helped everyone understand where PepsiCo was going next.
Follow Indra Nooyi’s example: Become a leader people are excited to follow Cached Page below :
Company: cnbc, Activity: cnbc, Date: 2018-09-12  Authors: david novak, adam jeffery, monica schipper, getty images
Keywords: news, cnbc, companies, vision, going, thing, indra, today, leader, shortterm, nooyis, example, excited, told, taking, follow, company, trends, shared


Follow Indra Nooyi's example: Become a leader people are excited to follow

When taking on a new role, it’s important to create a vision and share it with those you lead. After all, it’s a lot easier to get somewhere if you know where you’re headed. This is exactly what Indra did when she transitioned from CFO to CEO of PepsiCo.

Despite Indra’s track record as an amazing functional leader, she was still nervous about taking on the top position at PepsiCo.

She knew that moving from CFO to CEO would give her a whole different view of the company. So, she did her research with her new role in mind: she watched the economy, looked at the trends and discovered rocky times were ahead. She saw a looming financial crisis and tremendous growth in emerging markets. Indra’s big question was: how will we navigate as a company through these changes?

“There was a lot of anxiety when I took over,” she told me. “I realized that I could have all the anxieties inside, but to the company I had to project confidence, optimism, a can-do spirit and a must-do resolve.”

I was curious about what tricks she used to get herself ready to project confidence, and she shared some great advice for anyone taking on a new leadership role.

She said leaders need to be honest. “The one thing I’ve learned is don’t lie to the people,” she told me. “Don’t tell your people one thing when the reality is something different.”

Leaders also need to communicate their plans. Indra told her team exactly what they would do in the short-term, medium-term and long-term. “I told them they needed to just keep the performance going in the short-term. The medium-term focus was on what kind of acquisitions we were going to make to bolster the company’s portfolio in emerging and developing markets. For the long-term, we were going to invest in R&D, start the portfolio transformation to put in place multiple initiatives which will not pay out today, but require investment today to pay out in the long-term.”

Indra admitted she was uneasy because she didn’t know if people would buy into her plan. To her surprise, people did and were relieved because they saw the changing trends and her plans addressed them. Her shared vision helped everyone understand where PepsiCo was going next.


Company: cnbc, Activity: cnbc, Date: 2018-09-12  Authors: david novak, adam jeffery, monica schipper, getty images
Keywords: news, cnbc, companies, vision, going, thing, indra, today, leader, shortterm, nooyis, example, excited, told, taking, follow, company, trends, shared


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Here’s how to know if you have ‘good debt’ or ‘bad debt’

For example, one in five young adults Schwab surveyed believe home mortgages are “bad debt,” and almost 40 percent call student loans “bad debt.” Meanwhile, 27 percent labeled revolving debt, such as credit card debt, “good debt.” Credit card debt, however, is considered to be “bad” debt because it typically comes with high interest rates. “Bad debt just creeps up on your and will often last longer than the things you purchased,” California-based advisor David Rae tells CNBC Make It. “Good debt


For example, one in five young adults Schwab surveyed believe home mortgages are “bad debt,” and almost 40 percent call student loans “bad debt.” Meanwhile, 27 percent labeled revolving debt, such as credit card debt, “good debt.” Credit card debt, however, is considered to be “bad” debt because it typically comes with high interest rates. “Bad debt just creeps up on your and will often last longer than the things you purchased,” California-based advisor David Rae tells CNBC Make It. “Good debt
Here’s how to know if you have ‘good debt’ or ‘bad debt’ Cached Page below :
Company: cnbc, Activity: cnbc, Date: 2018-08-21  Authors: megan leonhardt, caiaimage paul bradbury, caiaimage, getty images
Keywords: news, cnbc, companies, schwab, loans, debt, card, bad, good, heres, tells, example, student, know


Here’s how to know if you have 'good debt' or 'bad debt’

Americans have a lot of debt, but that may not be a bad thing.

Today, the average American has about $38,000 in personal debt, excluding home mortgages. That’s up $1,000 from a year ago, according to Northwestern Mutual’s 2018 Planning & Progress Study, which also reports that “fewer people said they carry ‘no debt’ this year compared to 2017 (23 percent vs. 27 percent).”

“It’s kind of a debt culture,” Carrie Schwab-Pomerantz, a financial adviser, board chair and president of the Charles Schwab Foundation, tells CNBC Make It. A recent study by Charles Schwab found that even those who are part of Generation Z (ages 16 to 20) already have an average debt of $4,343.

Part of the issue is that there’s a lot of misunderstanding about debt and how to approach it correctly. For example, one in five young adults Schwab surveyed believe home mortgages are “bad debt,” and almost 40 percent call student loans “bad debt.” Meanwhile, 27 percent labeled revolving debt, such as credit card debt, “good debt.”

All of that runs contrary to what experts actually consider “good” and “bad.”

Mortgages and student loan debt is considered “good” because it serves a bigger purpose with equity or earnings potential in the future, Virginia-based financial planner Nicole Theisen Strbich tells CNBC Make It. For example, paying down a mortgage results in equity in a home as well as potential tax advantages, while student loans are generally a low-interest investment in your future compensation.

Credit card debt, however, is considered to be “bad” debt because it typically comes with high interest rates. Plus you’re usually spending on things that have a depreciating value, which means they’re losing value over time.

“Bad debt just creeps up on your and will often last longer than the things you purchased,” California-based advisor David Rae tells CNBC Make It. “For example — dining out. You will be hungry again long before that credit card bill is received, let alone paid off.”

That said, too much of a good thing can turn ugly. “Good debt is bad debt when you’re drowning in it,” Schwab-Pomerantz says. She recommends keeping your total amount of debt ⎼ including student loans, mortgage, credit card bills and other loans ⎼ to less than 36 percent of your total gross income.

“I get that people want to stretch, but you don’t want to drown in debt,” she says.

Don’t miss: Here’s why 1 in 3 college-age Americans consider payday loans with interest rates of 400%

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Company: cnbc, Activity: cnbc, Date: 2018-08-21  Authors: megan leonhardt, caiaimage paul bradbury, caiaimage, getty images
Keywords: news, cnbc, companies, schwab, loans, debt, card, bad, good, heres, tells, example, student, know


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