Trump will be challenged on climate change at Davos, WEF president says

President Donald Trump will likely be questioned on his climate change beliefs when he visits Switzerland for the World Economic Forum on Tuesday next week. That’s the opinion of WEF President Borge Brende who told CNBC’s Steve Sedgwick Wednesday that Trump appreciated candid conversation about any topic. The Norwegian politician added he was “pretty sure” that when Trump was in Davos, surrounded by 2,000 world CEOs and environmental leaders that climate change and a loss of biodiversity would b


President Donald Trump will likely be questioned on his climate change beliefs when he visits Switzerland for the World Economic Forum on Tuesday next week.
That’s the opinion of WEF President Borge Brende who told CNBC’s Steve Sedgwick Wednesday that Trump appreciated candid conversation about any topic.
The Norwegian politician added he was “pretty sure” that when Trump was in Davos, surrounded by 2,000 world CEOs and environmental leaders that climate change and a loss of biodiversity would b
Trump will be challenged on climate change at Davos, WEF president says Cached Page below :
Company: cnbc, Activity: cnbc, Date: 2020-01-15  Authors: david reid
Keywords: news, cnbc, companies, change, degrees, climate, world, environmental, countries, president, trump, challenged, sure, wef, davos


Trump will be challenged on climate change at Davos, WEF president says

President Donald Trump will likely be questioned on his climate change beliefs when he visits Switzerland for the World Economic Forum on Tuesday next week.

That’s the opinion of WEF President Borge Brende who told CNBC’s Steve Sedgwick Wednesday that Trump appreciated candid conversation about any topic.

The Norwegian politician added he was “pretty sure” that when Trump was in Davos, surrounded by 2,000 world CEOs and environmental leaders that climate change and a loss of biodiversity would be on the agenda.

“On climate change, that will be a topic that will be raised with him I am sure when he is in Davos … We like frank conversations to move the world forward,” said Brende.

Trump has previously stated that the U.S. has one of “the cleanest climates there are.” He rolled back a slew of Obama-era environmental regulations that attempt to protect from environmental accidents or climate change impacts and his administration is keen to remove impediments to U.S. energy production and independence.

In June 2017, Trump announced that the U.S. would withdraw from the Paris climate accord, a UN agreement which was signed by 195 countries at the COP21 climate conference in 2015.

“This agreement is less about the climate and more about other countries obtaining a financial advantage over the United States,” Trump said at the time of withdrawal.

COP21 is the world’s first legally-binding climate deal. Its key aim was to keep the average global temperature from rising by 2 degrees Celsius above pre-industrial levels. According to the Intergovernmental Panel on Climate Change (IPCC), the world is now about 1 degrees Celsius warmer than before the industrial revolution.


Company: cnbc, Activity: cnbc, Date: 2020-01-15  Authors: david reid
Keywords: news, cnbc, companies, change, degrees, climate, world, environmental, countries, president, trump, challenged, sure, wef, davos


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More Americans feel sure they can pay off debt — with a plan, you can be confident, too

Americans are going into 2020 feeling better than they have in years about paying off their debt. Just 7% of people expect that they will die with outstanding debt, according to a recent survey from CreditCards.com that polled 2,602 adults. Just over half of respondents (52%) are confident that they’ll make a significant dent in their credit card debt during 2020. Making a plan can boost your debt-repayment confidenceBefore you do anything, it’s important to know exactly what your outstanding de


Americans are going into 2020 feeling better than they have in years about paying off their debt.
Just 7% of people expect that they will die with outstanding debt, according to a recent survey from CreditCards.com that polled 2,602 adults.
Just over half of respondents (52%) are confident that they’ll make a significant dent in their credit card debt during 2020.
Making a plan can boost your debt-repayment confidenceBefore you do anything, it’s important to know exactly what your outstanding de
More Americans feel sure they can pay off debt — with a plan, you can be confident, too Cached Page below :
Company: cnbc, Activity: cnbc, Date: 2020-01-14  Authors: ben jay
Keywords: news, cnbc, companies, rate, americans, sure, outstanding, repayment, debts, debt, card, credit, interest, loans, feel, plan, confident, method, pay


More Americans feel sure they can pay off debt — with a plan, you can be confident, too

Americans are going into 2020 feeling better than they have in years about paying off their debt. Just 7% of people expect that they will die with outstanding debt, according to a recent survey from CreditCards.com that polled 2,602 adults. That’s the lowest number since the site first conducted the survey in 2013 and a substantial drop from last year, when a quarter of respondents anticipated never paying off their debts. Ted Rossman, an industry analyst at CreditCards.com, credits favorable economic conditions for consumers’ renewed confidence, including one of the best years ever for the stock market and record-low unemployment. “In general, people are feeling really good because of these factors,” he says. Just over half of respondents (52%) are confident that they’ll make a significant dent in their credit card debt during 2020. That’s about on par with the number of people who feel that way about their mortgages (51%), and substantially more than people with student loans (23%) or medical debt (30%). People with car loans (64%) and personal loans (60%) feel the best about their prospects for the year ahead.

Making a plan can boost your debt-repayment confidence

Before you do anything, it’s important to know exactly what your outstanding debts are. Make a list of them, including key details like the interest rate, balances, lender, and any important details like the expiration date of a promo rate. Mapping out your repayment needs will keep you organized and help you take charge of your debt.

Once you’ve done that, you can decide what broad strategy to adopt. The “avalanche” method, which prioritizes larger, higher-interest debts, is great for keeping your outstanding balance under control, while the “snowball” method, which prioritizes checking smaller debts off your to-do list first, can give you a greater degree of confidence when it comes time to pay off the bigger debts. The “blizzard” method, which means alternating between “avalanche” and “snowball,” can also be really efficient. It’s also important to know how much or how little you can realistically spend on any individual payments. Within that, think about any debt-specific strategies that could help, like reevaluating your student loan repayment options, refinancing your mortgage, or even filing taxes separately from your spouse.

Video by Courtney Stith Consolidating some of your credit card balances can also make debt repayment easier: You may be able to get a lower interest rate, and you’ll have fewer monthly payments to manage. Personal loans and credit card balance transfer offers — where you can move your outstanding credit card balance to a new card with a temporarily lower interest rate — can both be good ways to do this, too. Remember that it’s always smart to compare costs and terms.

Look to a debt-free, more secure future


Company: cnbc, Activity: cnbc, Date: 2020-01-14  Authors: ben jay
Keywords: news, cnbc, companies, rate, americans, sure, outstanding, repayment, debts, debt, card, credit, interest, loans, feel, plan, confident, method, pay


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Twitter executive on political ad ban: ‘We want to make sure we don’t create filter bubbles’

Twitter is taking steps to ensure its decision to ban political ads does not create further information silos, executive Matt Derella told CNBC on Tuesday. “We want to make sure we don’t create filter bubbles with this powerful ad system we have,” Derella, Twitter’s vice president of revenue and content partnerships, said on “Closing Bell.” Dorsey announced in October that the social media company would ban political ads from appearing on its platform. Twitter’s decision to go without political


Twitter is taking steps to ensure its decision to ban political ads does not create further information silos, executive Matt Derella told CNBC on Tuesday.
“We want to make sure we don’t create filter bubbles with this powerful ad system we have,” Derella, Twitter’s vice president of revenue and content partnerships, said on “Closing Bell.”
Dorsey announced in October that the social media company would ban political ads from appearing on its platform.
Twitter’s decision to go without political
Twitter executive on political ad ban: ‘We want to make sure we don’t create filter bubbles’ Cached Page below :
Company: cnbc, Activity: cnbc, Date: 2020-01-07  Authors: kevin stankiewicz
Keywords: news, cnbc, companies, twitter, create, dont, bubbles, revenue, sure, ban, twitters, ads, policy, executive, decision, political, derella, filter, topic


Twitter executive on political ad ban: 'We want to make sure we don't create filter bubbles'

Twitter is taking steps to ensure its decision to ban political ads does not create further information silos, executive Matt Derella told CNBC on Tuesday.

“We want to make sure we don’t create filter bubbles with this powerful ad system we have,” Derella, Twitter’s vice president of revenue and content partnerships, said on “Closing Bell.”

Twitter plans to accomplish that by still allowing “issue-based ads, with certain limitations,” Derella said.

“As long as those ads aren’t focused on a particular legislation or a candidate, we allow organizations that are nonprofits to actually advertise,” Derella said.

Twitter CEO Jack Dorsey has previously weighed in on the social media platform’s role in creating filter bubbles, in which people are exposed primarily to information that confirms their own beliefs, conceding it contributes to them.

“I think that’s wrong of us. We need to fix it,” he said in October 2018.

At the time, Dorsey said a potential solution to that problem would be to offer users the ability to see tweets from both sides on a topic, instead of simply following a user who presents just one viewpoint.

On Tuesday, Derella said Twitter is also working on a feature to make it as easy to follow a topic as it is to follow an individual account.

Dorsey announced in October that the social media company would ban political ads from appearing on its platform. The move put Twitter in direct opposition to Facebook, which has faced criticism over its policy to forgo fact-checking on political ads on its platforms.

Under Twitter’s new policy, a global ban is in place on the promotion of political content and ads of any type from political figures such as candidates, political parties and government officials.

It will also govern what it calls “cause-based” ads, which will be restricted in terms of targeted advertising and require a certification process to run.

Twitter’s decision to go without political ads has been criticized for various reasons. Some argue the policy remains somewhat murky and will help incumbent candidates over challengers.

While political ad revenue makes up a small fraction of Twitter’s revenue, others still believe it is a mistake to forgo it in a pivotal election year.

Derella doubled down on the decision, arguing it is based on principles and not money considerations.

He also dismissed concerns about enforcement of the policy. He said Twitter is constantly tweaking its enforcement practices, which includes machine learning and other algorithms, but “we feel like we’re in a very good position.”

“We feel like we made the right decision for us and for our customers,” he said.

Shares of Twitter closed up 2.8% on Tuesday at $32.54. They are down about 29% from a 52-week high of $45.86 on Sept. 9.

— CNBC’s Lauren Feiner and Megan Graham contributed to this report.


Company: cnbc, Activity: cnbc, Date: 2020-01-07  Authors: kevin stankiewicz
Keywords: news, cnbc, companies, twitter, create, dont, bubbles, revenue, sure, ban, twitters, ads, policy, executive, decision, political, derella, filter, topic


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Julian Castro endorses Elizabeth Warren for president days after quitting Democratic primary

Democratic presidential candidates Sen. Elizabeth Warren, D-Mass., and former Housing and Urban Development Secretary Julian Castro share a moment at the end of a Democratic primary debate hosted by NBC News at the Adrienne Arsht Center for the Performing Arts, June 26, 2019, in Miami. Former Housing and Urban Development Secretary Julian Castro endorsed Sen. Elizabeth Warren for president on Monday, days after dropping out of the Democratic primary race. “That’s why I’m proud to endorse Elizabe


Democratic presidential candidates Sen. Elizabeth Warren, D-Mass., and former Housing and Urban Development Secretary Julian Castro share a moment at the end of a Democratic primary debate hosted by NBC News at the Adrienne Arsht Center for the Performing Arts, June 26, 2019, in Miami.
Former Housing and Urban Development Secretary Julian Castro endorsed Sen. Elizabeth Warren for president on Monday, days after dropping out of the Democratic primary race.
“That’s why I’m proud to endorse Elizabe
Julian Castro endorses Elizabeth Warren for president days after quitting Democratic primary Cached Page below :
Company: cnbc, Activity: cnbc, Date: 2020-01-06  Authors: tucker higgins
Keywords: news, cnbc, companies, elizabeth, julian, quitting, sen, president, days, castro, race, democratic, secretary, primary, warren, endorses, sure


Julian Castro endorses Elizabeth Warren for president days after quitting Democratic primary

Democratic presidential candidates Sen. Elizabeth Warren, D-Mass., and former Housing and Urban Development Secretary Julian Castro share a moment at the end of a Democratic primary debate hosted by NBC News at the Adrienne Arsht Center for the Performing Arts, June 26, 2019, in Miami.

Former Housing and Urban Development Secretary Julian Castro endorsed Sen. Elizabeth Warren for president on Monday, days after dropping out of the Democratic primary race.

“There’s one candidate I see who’s unafraid to fight like hell to make sure America’s promise will be there for everyone. Who will make sure that no matter where you live in America or where your family came from in the world, you will have a path for opportunity to,” Castro said in a video posted to Twitter.

“That’s why I’m proud to endorse Elizabeth Warren for president,” he said.

Castro left the race on Tuesday after lagging in the polls and failing to keep up with rivals’ fundraising efforts. He consistently polled below 2% in national surveys.

The progressive former Obama Cabinet secretary did roll out a slate of ambitious policy proposals, some that inspired other candidates to address topics that were otherwise unlikely to come up.

His call for the repeal of a provision of immigration law that makes it a misdemeanor to cross the U.S. border illegally, known as Section 1325, brought other contenders to his side.

“Nobody is working harder than you are, not only in meeting with people, but in listening to people. And also, bringing the goods, and saying, ‘Okay, this is what I’m going to do about it,'” Castro says to Warren in the video, which shows the two Democrats at a kitchen table.

“The thing I hear the most from the people in the selfie lines is hope,” Warren responds.

Warren wrote in a tweet on Monday that Castro had been “a powerful voice for bold, progressive change and I’m honored to have your support.”

“Together, we’ll fight to make sure every single family in America has a path to opportunity,” she wrote.

Castro was the only Latino in the Democratic primary race.

Voting in the primary contests begins in less than a month, with the Iowa caucuses kicking off on Feb. 3. Warren has declined in national polls to third place, behind former Vice President Joe Biden and fellow Sen. Bernie Sanders, I-Vt., after reaching a peak in early October.

Few of the other candidates who have exited the race, including Sens. Kamala Harris, D-Calif., Kirsten Gillibrand, D-N.Y., former Texas Rep. Beto O’Rourke and Washington Gov. Jay Inslee, have endorsed someone yet. Rep. Tim Ryan, D-Ohio, who left the race in October, endorsed Biden the following month.


Company: cnbc, Activity: cnbc, Date: 2020-01-06  Authors: tucker higgins
Keywords: news, cnbc, companies, elizabeth, julian, quitting, sen, president, days, castro, race, democratic, secretary, primary, warren, endorses, sure


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Here’s what happened to the stock market on Thursday

It was the first trading day of the new year and Wall Street picked up right where it left off in 2019. Chipmakers, which were among the best performers last year, outperformed once again on Thursday. Overseas equities also rose after China cut its cash reserve requirements for banks, a move intended to further spur economic growth. To be sure, the market could be in for a tough ride in the first part of 2020 as the corporate earnings outlook did not improve between November and December.


It was the first trading day of the new year and Wall Street picked up right where it left off in 2019.
Chipmakers, which were among the best performers last year, outperformed once again on Thursday.
Overseas equities also rose after China cut its cash reserve requirements for banks, a move intended to further spur economic growth.
To be sure, the market could be in for a tough ride in the first part of 2020 as the corporate earnings outlook did not improve between November and December.
Here’s what happened to the stock market on Thursday Cached Page below :
Company: cnbc, Activity: cnbc, Date: 2020-01-02  Authors: fred imbert
Keywords: news, cnbc, companies, heres, tough, reserve, sure, trading, street, stock, wall, right, rose, ride, market, spur, happened


Here's what happened to the stock market on Thursday

It was the first trading day of the new year and Wall Street picked up right where it left off in 2019. Chipmakers, which were among the best performers last year, outperformed once again on Thursday. Overseas equities also rose after China cut its cash reserve requirements for banks, a move intended to further spur economic growth. To be sure, the market could be in for a tough ride in the first part of 2020 as the corporate earnings outlook did not improve between November and December.


Company: cnbc, Activity: cnbc, Date: 2020-01-02  Authors: fred imbert
Keywords: news, cnbc, companies, heres, tough, reserve, sure, trading, street, stock, wall, right, rose, ride, market, spur, happened


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The housing trend that’s getting millennials on the property ladder

SYDNEY — For the majority of young people, getting a foot on the housing ladder remains an elusive prospect. Today, just over one-third of U.S. millennials owns a property, according to recent data from the U.S. Census Bureau. Rentvesting refers to buying and letting out an investment property in an affordable, up-and-coming area, while continuing to rent your primary residence in your preferred location. Do your sumsAs with any property purchase, it’s important to make sure a rental investment


SYDNEY — For the majority of young people, getting a foot on the housing ladder remains an elusive prospect.
Today, just over one-third of U.S. millennials owns a property, according to recent data from the U.S. Census Bureau.
Rentvesting refers to buying and letting out an investment property in an affordable, up-and-coming area, while continuing to rent your primary residence in your preferred location.
Do your sumsAs with any property purchase, it’s important to make sure a rental investment
The housing trend that’s getting millennials on the property ladder Cached Page below :
Company: cnbc, Activity: cnbc, Date: 2019-12-27  Authors: karen gilchrist
Keywords: news, cnbc, companies, millennials, getting, rental, housing, purchase, sure, young, ladder, property, tend, costs, trend, butchovich, investment, according, thats


The housing trend that's getting millennials on the property ladder

SYDNEY — For the majority of young people, getting a foot on the housing ladder remains an elusive prospect.

Today, just over one-third of U.S. millennials owns a property, according to recent data from the U.S. Census Bureau. In the U.K., that number is closer to one-quarter, and lower around London.

Yet, while would-be homeowners continue to tussle against rising house prices and stagnant wages, a growing section of young people are bringing new meaning to the label “generation rent” with a creative take on property ownership: Rentvesting.

Rentvesting refers to buying and letting out an investment property in an affordable, up-and-coming area, while continuing to rent your primary residence in your preferred location.

The notion of owning investment properties to supplement the main home has, of course, been around for many years. But, today, more and more young people are choosing to defer buying their own homes and are instead jumping straight into rental investments, according to Australian online property site Domain.

“We’re seeing that a lot of people are now looking at the rentvesting idea,” advice editor Daniel Butchovich told CNBC Make It in Sydney.

In Australia, like the U.S., around one-third of 25 to 34-year-olds owned a property in 2018. Of those, around half were investment properties, holiday homes or homes they did not live in, according to the Australian Bureau of Statistics’ Survey of Income and Housing 2017/18.

The trend, which is particularly popular among young professionals in Australia’s major cities, speaks to the continued attractiveness of the real estate market, but an unwillingness among young people to compromise their living standards to get in on it. And, according to Butchovich, it can have “a lot of merits.”

“One, you get to live where you want to live. Two, your money is put to work in an investment. And three, you can take the emotion out of the equation of buying,” said Butchovich.

“Then, five years from now, you can sell that property and use the proceeds and any other savings you’ve got to buy that dream home,” he continued.

Rentvesting, however, is not without its difficulties, Butchovich noted. Many of the hurdles that afflict regular first-time home buyers will persist for rentvestors — and new ones, such as higher borrowing costs for buy-to-let mortgages, may arise.

Here are 5 things to consider before taking the next step.

1. Do your sums

As with any property purchase, it’s important to make sure a rental investment makes financial sense for you.

You’ll need to ensure you can cover any upfront costs, such as the down payment (usually 10% to 20% of the purchase price, though often more for a buy-to-let property) and closing costs, as well as the monthly mortgage repayments.

Ideally, the rental income will cover the mortgage repayments — potentially even with money left over. But, if not, you need to make sure that you’ll be able to cover any shortfall with your own income.

2. Choose your location wisely

While your rentvestment property may not be in an area that you personally desire, you need to make sure it’s one that others do. Preferably, that will be an area popular with owner-occupiers, rather than other investors, as those tend to see the greatest appreciation and are better able to withstand economic downturns, said Butchovich.

Look at local data to find gentrifying locations. Those tend to be areas with high income and population growth rates. Generally though, said Butchovich, areas with good links to a city’s central business district and close proximity to parks and schools tend to be good bets.

3. Figure out what kind of rentvestor do you want to be

Think about how hands-on of a landlord you want — and can afford — to be.

If you’re happy to get your hands stuck in, you may be willing to consider a larger purchase further out of the city and with renovation potential, said Butchovich. But if you’d rather be hands-off, a more central apartment may be a better idea.

4. Have a safety net

Although your rentvestment may be a good money-spinner, it’s important to be prepared for the unexpected costs that can crop up for all homeowners.

Be sure to build an emergency fund to pay for repairs and improvements. But remember, as with other business expenses, many of those can be put against tax.

5. Think long-term

Finally, all home purchases — even business ones — should be made with a long-term view. The upfront costs of purchasing a property are substantial, so you want to be sure that you will at least recoup those in the property’s eventual price appreciation.

“For any property decision, you should be looking at a minimum of five years I would say … and ideally more like 10,” said Butchovich.

Don’t miss: Real estate is still the best investment you can make today, millionaires say—here’s why

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Company: cnbc, Activity: cnbc, Date: 2019-12-27  Authors: karen gilchrist
Keywords: news, cnbc, companies, millennials, getting, rental, housing, purchase, sure, young, ladder, property, tend, costs, trend, butchovich, investment, according, thats


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How to make sure kids don’t waste their holiday cash

Nakhorn Yuangkratoke / EyeEm | EyeEm | Getty ImagesDon’t underestimate that $20 bill your child got in a holiday card this year. You’ll need to open a separate 529 account for each child, Kantrowitz said. “Delayed gratification is a difficult concept for adults, much less kids,” Kantrowitz said. Different banks and credit card companies have different minimum ages for authorized users, Schulz said. Kids can be especially vulnerable to identity theft, Schulz said, because criminals know their rec


Nakhorn Yuangkratoke / EyeEm | EyeEm | Getty ImagesDon’t underestimate that $20 bill your child got in a holiday card this year.
You’ll need to open a separate 529 account for each child, Kantrowitz said.
“Delayed gratification is a difficult concept for adults, much less kids,” Kantrowitz said.
Different banks and credit card companies have different minimum ages for authorized users, Schulz said.
Kids can be especially vulnerable to identity theft, Schulz said, because criminals know their rec
How to make sure kids don’t waste their holiday cash Cached Page below :
Company: cnbc, Activity: cnbc, Date: 2019-12-27  Authors: annie nova
Keywords: news, cnbc, companies, college, dont, waste, kids, kantrowitz, schulz, cash, card, start, save, credit, teach, sure, child, holiday


How to make sure kids don't waste their holiday cash

Nakhorn Yuangkratoke / EyeEm | EyeEm | Getty Images

Don’t underestimate that $20 bill your child got in a holiday card this year. Put to use, it can teach them a lot. The start of the new year – and this round, new decade – is a good time to teach your kids about the power of compound interest and the dangers of debt. Experts say the best way to make these lessons stick is to put them into action. Don’t worry about beginning too early. Some of our financial behaviors are formed by the time we’re 7 years old, according to a study by researchers at the University of Cambridge. Here are some steps to help your child be financially savvy and secure in the future.

Open a 529 plan

Aaron Hawkins | Getty Images

The investment accounts, which are named after Section 529 of the Internal Revenue Code, are offered through states to encourage people to save for college. The main benefit: withdrawals put toward qualifying education expenses are tax-free. The advantages of the accounts are hard to overstate. Studies show that children with the savings plans are more likely to attend college. And if you start to contribute to a plan at your child’s birth, about a third of your savings goal could come from investment earnings alone, according to calculations by Mark Kantrowitz, publisher of SavingForCollege.com. You’ll need to open a separate 529 account for each child, Kantrowitz said. Aim to save $250 a month for an in-state public college, he said, or $550 a month for a private college. It might be hard to get your 8-year-old excited about such a far-off goal. “Delayed gratification is a difficult concept for adults, much less kids,” Kantrowitz said. Still, explain to them that you’re saving to help them fulfill their dreams, whether that’s to become an astronaut or to save the planet.

Introduce them to credit

If you want to start building your child’s credit history, you can make him or her an authorized user on your card. “Handled well, it can really give the kid a leg up, credit-wise,” said Matt Schulz, chief industry analyst at Comparecards.com. Different banks and credit card companies have different minimum ages for authorized users, Schulz said. “Parents should be sure to check that before setting their kid up,” he said. Engaging your child with your credit card use can be a good chance to teach them about the issues with interest and the importance of not carrying a balance. You should also keep tabs on your child’s credit report. Kids can be especially vulnerable to identity theft, Schulz said, because criminals know their records are rarely checked. “It’s an unfortunate reality today that a parents’ regular financial routine should probably also include credit checks for their minor children,” he said.

Saving and investing

Unruly Splats is a start-up teaching kids to code through play. Source: Unruly Splats


Company: cnbc, Activity: cnbc, Date: 2019-12-27  Authors: annie nova
Keywords: news, cnbc, companies, college, dont, waste, kids, kantrowitz, schulz, cash, card, start, save, credit, teach, sure, child, holiday


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Someone just won the $372 Mega Millions jackpot. These should be their next steps

A lottery player in Ohio won the $372 Mega Millions jackpot on Tuesday night, according to the lottery website. We might not learn much about the lucky player: Ohio allows lottery winners to remain anonymous if their winnings exceed a certain amount. The latest Mega Millions winner is likely still in shock: The odds of hitting the jackpot are 1 in about 302 million. “The last thing you need is people asking for handouts, or friends and family offering advice about how to claim the money,” Kurlan


A lottery player in Ohio won the $372 Mega Millions jackpot on Tuesday night, according to the lottery website.
We might not learn much about the lucky player: Ohio allows lottery winners to remain anonymous if their winnings exceed a certain amount.
The latest Mega Millions winner is likely still in shock: The odds of hitting the jackpot are 1 in about 302 million.
“The last thing you need is people asking for handouts, or friends and family offering advice about how to claim the money,” Kurlan
Someone just won the $372 Mega Millions jackpot. These should be their next steps Cached Page below :
Company: cnbc, Activity: cnbc, Date: 2019-12-18  Authors: annie nova sarah obrien, annie nova, sarah obrien
Keywords: news, cnbc, companies, mega, claim, lottery, money, ticket, kurland, winners, millions, won, prize, purchased, 372, sure, jackpot, steps, winnings


Someone just won the $372 Mega Millions jackpot. These should be their next steps

Someone is having a good start to the holidays. A lottery player in Ohio won the $372 Mega Millions jackpot on Tuesday night, according to the lottery website. The ticket was purchased at the Giant Eagle supermarket in Mentor, a Cleveland suburb. We might not learn much about the lucky player: Ohio allows lottery winners to remain anonymous if their winnings exceed a certain amount. The last jackpot — a $227 million windfall – was won in September in Texas. The latest Mega Millions winner is likely still in shock: The odds of hitting the jackpot are 1 in about 302 million. But things can quickly go wrong if he or she isn’t careful with that life-changing amount of money.

Allen J. Schaben | Los Angeles Times | Getty Images

“The days between the drawing and the day you claim will be your last days of normalcy,” said Jason Kurland, a partner at Rivkin Radler, a law firm in Uniondale, New York. “You want to have a clear head so you can get through a stressful but exciting time,” said Kurland, who specializes in helping lottery winners. Here are some tips if you hit the jackpot.

1. Keep quiet

Your first urge might be to share your exciting news with, well, the world. However, the fewer people who know, the better. This is the case even if you’ll be able to claim your prize anonymously. “The last thing you need is people asking for handouts, or friends and family offering advice about how to claim the money,” Kurland said.

If you won’t be able to dodge publicity due to state law, consider changing your phone number or living somewhere else temporarily to avoid media attention and sudden money requests from long-lost friends or relatives. “I have a lot of clients plan trips the day their win is announced,” Kurland said. “Those first few days are when the press tries to find you, but it usually has died down after a week or so.”

2. Protect your ticket

The standard advice from experts is to sign the back of the winning ticket so that if you are separated from it, your signature can help ensure you still get the prize. “You want the ticket signed, because whoever signs it is the winner,” Kurland said. However, he said, you should first make sure you know the rules for claiming your win in the state where you purchased the ticket. If you bought it in a place that requires the winner’s name to be announced, you might be able keep your name out of the public eye anyway by claiming your money via a trust or other legal entity. “Just be sure you sign the back of the ticket correctly, and do it as soon as possible,” Kurland said.

3. Chill

While you might be eager to claim your winnings, experts say it’s best not to rush over to lottery headquarters the day you discover you’ve become one of the wealthiest people in the country. Mega Millions winners get anywhere from three or six months to a year to claim their prize, depending on where the winning ticket was purchased. Be sure to take the time you need to prepare to claim your winnings. That should include assembling a team of experienced professionals: an attorney, financial planner and tax advisor. More from Personal Finance:

Medicare would cover dental, vision — if Senate OKs House bill

What consumers most want in 2020: a debt-free life

One step you can take in 2020 to head off a tax surprise

4. Consider the bottom line


Company: cnbc, Activity: cnbc, Date: 2019-12-18  Authors: annie nova sarah obrien, annie nova, sarah obrien
Keywords: news, cnbc, companies, mega, claim, lottery, money, ticket, kurland, winners, millions, won, prize, purchased, 372, sure, jackpot, steps, winnings


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7 tips to get your resume past the robots reading it

And employers aren’t required to inform job candidates when their resumes will be reviewed by these systems. CareerBuilder also created an AI resume builder to help candidates include skills on an application they may not have identified on their own. Including transferable skills mentioned in the job description can also increase your resume odds. Include keywords from the job description, such as the role’s day-to-day responsibilities, desired previous experience and overall purpose within the


And employers aren’t required to inform job candidates when their resumes will be reviewed by these systems.
CareerBuilder also created an AI resume builder to help candidates include skills on an application they may not have identified on their own.
Including transferable skills mentioned in the job description can also increase your resume odds.
Include keywords from the job description, such as the role’s day-to-day responsibilities, desired previous experience and overall purpose within the
7 tips to get your resume past the robots reading it Cached Page below :
Company: cnbc, Activity: cnbc, Date: 2019-12-18  Authors: jennifer liu
Keywords: news, cnbc, companies, robots, description, sure, employers, reading, application, job, augustine, tips, resume, candidates, past, skills


7 tips to get your resume past the robots reading it

There are about 7.3 million open jobs in the U.S., according to the most recent Job Openings and Labor Turnover Survey from the Bureau of Labor Statistics. And for many job seekers vying for these openings, the likelihood they’ll submit their application to an artificial intelligence-powered hiring system is growing. A 2017 Deloitte report found 33% of employers already use some form of AI in the hiring process to save time and reduce human bias. These algorithms scan applications for specific words and phrases around work history, responsibilities, skills and accomplishments to identify candidates who match well with the job description. These assessments may also aim to predict a candidate’s future success by matching their abilities and accomplishments to those held by a company’s top performers. But it remains unclear how effective these programs are. As Sue Shellenbarger reports for The Wall Street Journal, many vendors of these systems don’t tell employers how their algorithms work. And employers aren’t required to inform job candidates when their resumes will be reviewed by these systems. That said, “it’s sometimes possible to tell whether an employer is using an AI-driven tool by looking for a vendor’s logo on the employer’s career site,” Shellenbarger writes. “In other cases, hovering your cursor over the ‘submit’ button will reveal the URL where your application is being sent.” CNBC Make It spoke with career experts about how to make sure your next application makes it past the initial robot test.

The ever-important skills factor

AI-powered hiring platforms are designed to identify candidates whose resumes match open job descriptions the most. These machines are nuanced, but their use still means very specific wording, repetition and prioritization of certain phrases matter. Job seekers can make sure to highlight the right skills to get past initial screens by using tools, such as an online cloud generator, to understand what the AI system will prioritize most. Candidates can drop in the text of a job description and see which words appear most often, based on how large they appear within the word cloud. CareerBuilder also created an AI resume builder to help candidates include skills on an application they may not have identified on their own. Including transferable skills mentioned in the job description can also increase your resume odds. After all, executives from a recent IBM report say soft skills such as flexibility, time management, teamwork and communication are some of the most important skills in the workforce today. “Job seekers should be cognizant of how they are positioning their professional background to put their best foot forward,” Michelle Armer, chief people officer at talent acquisition company CareerBuilder, tells CNBC Make It. “Since a candidate’s skill set will help set them apart from other applicants, putting these front and center on a resume will help make sure you’re giving skills the attention they deserve.” It’s also worth noting that AI enables employers to source candidates from the entire application system more easily, rather than limiting consideration just to people who applied to a specific role. “As a result,” says TopResume career expert Amanda Augustine, “you could be contacted for a role the company believes is a good fit — even if you never specifically applied for that opportunity.”

7 ways to robot-proof your resume

When it comes to actually writing your resume, here are seven ways to make sure it looks best for the robots who will be reading it. Use a text-based application like Microsoft Word — rather than a PDF, HTML, Open Office, or Apple Pages document — so buzzwords can be accurately scanned by AI programs. Augustine suggests job seekers skip images, graphics and logos, which might not be readable. Test how well bots will comprehend your resume by copying it into a plain text file, then making sure nothing gets out of order and no strange symbols pop up. Order your work history based on most senior-level role first. Reorder the bullets underneath your job titles to mimic the order of qualifications the employer gave. Augustine says machines favor documents with a clear hierarchy to their information. Include keywords from the job description, such as the role’s day-to-day responsibilities, desired previous experience and overall purpose within the organization. Consider having a separate skills section, Augustine says, where you list any certifications, technical skills and soft skills mentioned in the job description. Quantify performance results, Shellenbarger writes. Highlight ones that involve meeting company goals, driving revenue, leading a certain number of people or projects, being efficient with costs and so on. Tailor each application to the description of each role you’re applying for. These AI systems are generally built to weed out disqualifying resumes that don’t match enough of the job description. The more closely you mirror the job description in your application, the better, Augustine says. Don’t place information in the document header or footer, even though resumes traditionally list contact information here. According to Augustine, many application systems can’t read the information in this section, so crucial details may be omitted. Network within the company to build contacts and get your resume to the hiring manager’s inbox directly. “While AI helps employers narrow down the number of applicants they will move forward with for interviews,” Armer says, “networking is also important.”

Networking with humans is still crucial to the hiring process


Company: cnbc, Activity: cnbc, Date: 2019-12-18  Authors: jennifer liu
Keywords: news, cnbc, companies, robots, description, sure, employers, reading, application, job, augustine, tips, resume, candidates, past, skills


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Do these things first if you win the $340 million Mega Millions jackpot

With the Mega Millions jackpot at $340 million, Friday the 13th might turn out to be someone’s ultra-lucky day. And while the odds are stacked against a jackpot win — your chance is 1 in about 302 million — at some point there will be a winning ticket. And experts recommend that big lottery winners take steps right away to protect their windfall. “You want to have a clear head so you can get through a stressful but exciting time,” said Kurland, who specializes in helping lottery winners. Mega Mi


With the Mega Millions jackpot at $340 million, Friday the 13th might turn out to be someone’s ultra-lucky day.
And while the odds are stacked against a jackpot win — your chance is 1 in about 302 million — at some point there will be a winning ticket.
And experts recommend that big lottery winners take steps right away to protect their windfall.
“You want to have a clear head so you can get through a stressful but exciting time,” said Kurland, who specializes in helping lottery winners.
Mega Mi
Do these things first if you win the $340 million Mega Millions jackpot Cached Page below :
Company: cnbc, Activity: cnbc, Date: 2019-12-13  Authors: sarah obrien
Keywords: news, cnbc, companies, jackpot, things, prize, day, win, kurland, millions, winners, claim, 340, mega, ticket, lottery, sure, million, winning


Do these things first if you win the $340 million Mega Millions jackpot

With the Mega Millions jackpot at $340 million, Friday the 13th might turn out to be someone’s ultra-lucky day. Heading into Friday night’s drawing, the top prize has been climbing for more than two months with no one matching all six numbers in the twice-weekly drawings. And while the odds are stacked against a jackpot win — your chance is 1 in about 302 million — at some point there will be a winning ticket. In fact, six past Mega Millions jackpots were won on a Friday the 13th: four in Michigan and one each in Ohio and New York, according to lottery officials.

Allen J. Schaben | Los Angeles Times | Getty Images

Of course, such good fortune also comes with a life-changing amount of money. And experts recommend that big lottery winners take steps right away to protect their windfall. “The days between the drawing and the day you claim will be your last days of normalcy,” said Jason Kurland, a partner at Rivkin Radler, a law firm in Uniondale, New York. “You want to have a clear head so you can get through a stressful but exciting time,” said Kurland, who specializes in helping lottery winners. Here are some tips if you hit the jackpot in Friday night’s drawing.

1. Keep quiet

Your first urge might be to share your exciting news with, well, the world. However, the fewer people who know, the better. This is the case even if you’ll be able to claim your prize anonymously. “The last thing you need is people asking for handouts, or friends and family offering advice about how to claim the money,” Kurland said.

If you won’t be able to dodge publicity due to your state’s law, consider changing your phone number or living somewhere else temporarily to avoid media attention and sudden money requests from long-lost friends or relatives. “I have a lot of clients plan trips the day their win is announced,” Kurland said. “Those first few days are when the press tries to find you, but it usually has died down after a week or so.”

2. Protect your ticket

The standard advice from experts is to sign the back of the winning ticket so that if you are separated from it, your signature can help ensure you still get the prize. “You want the ticket signed, because whoever signs it is the winner,” Kurland said. However, he said, you should first make sure you know the rules for claiming your win in the state where you purchased the ticket. If you bought it in a place that requires the winner’s name to be announced, you might be able to claim it via a trust or other legal entity, thereby keeping your name out of the public eye. “Just be sure you sign the back of the ticket correctly, and do it as soon as possible,” Kurland said.

3. Chill

While you might be eager to claim your winnings, experts say it’s best not to rush over to lottery headquarters the day you discover you’ve become one of the wealthiest people in the country. Mega Millions winners get anywhere from three or six months to a year to claim their prize, depending on where the winning ticket was purchased. Be sure to take the time you need to prepare to claim your winnings. That should include assembling a team of experienced professionals: an attorney, financial planner and tax advisor. More from Personal Finance:

Medicare would cover dental, vision — if Senate OKs House bill

What consumers most want in 2020: a debt-free life

One step you can take in 2020 to head off a tax surprise

4. Consider the bottom line


Company: cnbc, Activity: cnbc, Date: 2019-12-13  Authors: sarah obrien
Keywords: news, cnbc, companies, jackpot, things, prize, day, win, kurland, millions, winners, claim, 340, mega, ticket, lottery, sure, million, winning


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