5 days ago
Amazon (AMZN) is teaming up with Uber Eats (UBER), allowing Prime members to order from restaurants through Amazon.com and the Amazon app, as third-party delivery gets more competitive.
Prime members who order via Amazon will get free delivery on orders of $25 or more. Customers will also get $20 off their first two Uber Eats orders of $25 or more through the first 14 days.
"This is what Prime is all about: unlimited free, fast delivery on a wide selection of products, big savings, fantastic entertainment, and now even more value on restaurant delivery with Uber Eats, all in a single membership," Jamil Ghani, worldwide vice president of Amazon Prime, said in a statement.
Uber also offers its Uber One service, which includes no delivery fees on food and groceries, as well as other benefits, for $9.99 a month, or $96 per year. Amazon Prime, which includes access to Prime Video and Amazon Music, as well as free shipping options, costs $140 a year.
Amazon has been taking share in the grocery delivery market, especially on same-day and one-hour deliveries. Earlier this week, Amazon announced that it added more than 6,000 items to its grocery options over the last six months.
#uber #eats
Prime members who order via Amazon will get free delivery on orders of $25 or more. Customers will also get $20 off their first two Uber Eats orders of $25 or more through the first 14 days.
"This is what Prime is all about: unlimited free, fast delivery on a wide selection of products, big savings, fantastic entertainment, and now even more value on restaurant delivery with Uber Eats, all in a single membership," Jamil Ghani, worldwide vice president of Amazon Prime, said in a statement.
Uber also offers its Uber One service, which includes no delivery fees on food and groceries, as well as other benefits, for $9.99 a month, or $96 per year. Amazon Prime, which includes access to Prime Video and Amazon Music, as well as free shipping options, costs $140 a year.
Amazon has been taking share in the grocery delivery market, especially on same-day and one-hour deliveries. Earlier this week, Amazon announced that it added more than 6,000 items to its grocery options over the last six months.
#uber #eats
5 days ago
Florida voters on Tuesday approved a major overhaul of the state's property tax system. But the droves of billionaires and other ultrawealthy people who recently moved there are unlikely to notice much of a difference from its headline tax break.
Amendment 3—which raises the homestead exemption on non-school property taxes from $50,000 to $150,000 in 2027 and to $250,000 in 2028—passed with 62% of the vote, according to the ***** ociated Press. Supporters pitched Amendment 3 as relief for everyday homeowners, and for many, it is. But because the exemption is a flat dollar amount, it does far less for the billionaires who turned South Florida into one of the country's wealthiest enclaves.
Take Citadel CEO Ken Griffin, who moved his firm from Chicago to Miami, and Amazon founder Jeff Bezos also moved to Miami in 2023 and has since bought a $237 million compound on Indian Creek, the island nicknamed "Billionaire Bunker." Bezos is also reportedly buying a $69.5 million oceanfront estate in nearby Golden Beach.
Experts told Fortune, though, the bigger factor of Amendment 3 for people like Griffin and Bezos is a less-noticed part: a tighter limit on how fast taxes can rise on second homes, rentals, and other properties that aren't a primary residence. Florida caps how much those properties' taxable values can increase each year, and Amendment 3 cuts that cap from 10% to 5%. In a hot market like South Florida's, that slows tax growth on homes whose values are climbing quickly, and many wealthy buyers own more than one.
But for a billionaire who claims a Florida homestead, the savings from Amendment 3 aren't that noticeable. Raul Gastesi, a real estate attorney and cofounder of Miami law firm Gastesi Lopez Mestre & Cobiella, calculated that at the statewide average non-school tax rate, the expanded exemption will save a homestead owner about $2,085 a year once fully in place. A home ***** sed at $350,000 would see its local services property tax bill fall from about $3,135 to about $1,050. A $50 million homestead would go from about $524,000 to about $522,000.
#Florida #moved
Amendment 3—which raises the homestead exemption on non-school property taxes from $50,000 to $150,000 in 2027 and to $250,000 in 2028—passed with 62% of the vote, according to the ***** ociated Press. Supporters pitched Amendment 3 as relief for everyday homeowners, and for many, it is. But because the exemption is a flat dollar amount, it does far less for the billionaires who turned South Florida into one of the country's wealthiest enclaves.
Take Citadel CEO Ken Griffin, who moved his firm from Chicago to Miami, and Amazon founder Jeff Bezos also moved to Miami in 2023 and has since bought a $237 million compound on Indian Creek, the island nicknamed "Billionaire Bunker." Bezos is also reportedly buying a $69.5 million oceanfront estate in nearby Golden Beach.
Experts told Fortune, though, the bigger factor of Amendment 3 for people like Griffin and Bezos is a less-noticed part: a tighter limit on how fast taxes can rise on second homes, rentals, and other properties that aren't a primary residence. Florida caps how much those properties' taxable values can increase each year, and Amendment 3 cuts that cap from 10% to 5%. In a hot market like South Florida's, that slows tax growth on homes whose values are climbing quickly, and many wealthy buyers own more than one.
But for a billionaire who claims a Florida homestead, the savings from Amendment 3 aren't that noticeable. Raul Gastesi, a real estate attorney and cofounder of Miami law firm Gastesi Lopez Mestre & Cobiella, calculated that at the statewide average non-school tax rate, the expanded exemption will save a homestead owner about $2,085 a year once fully in place. A home ***** sed at $350,000 would see its local services property tax bill fall from about $3,135 to about $1,050. A $50 million homestead would go from about $524,000 to about $522,000.
#Florida #moved
5 days ago
For questions about this article or underlying research, email helptrefis.com.
Between October 6 and November 4, 2026, NVIDIA (NVDA) stock fell 16.3% while the S&P 500 lost 1.6%. Anyone thinking of buying wants to know whether that drop is a chance or a warning. The answer depends less on demand, which management says is larger than NVIDIA can supply, than on what meeting that demand will cost the company. First, how strong is NVIDIA's business right now?
NVIDIA's Sales Growth Has Sped Up Four Quarters Running
The latest results show a very strong business. Revenue rose 105.9% from a year earlier to $96.2 billion in fiscal Q2 2027, the quarter that ended July 26, 2026. Growth had been 62.5% in fiscal Q3 2026, and it accelerated in each quarter after that. That 62.5% was itself up from 55.6% in fiscal Q2 2026. NVIDIA also keeps an unusual share of its sales as profit. Its operating margin over the last twelve months was 65.2%, against 18.7% for the S&P 500.
Investors pay 25.1 times NVIDIA's earnings over the last twelve months, against 22.8 for the S&P 500. A multiple only a little above the broader market reflects profits that more than doubled in a year. Net income over the last twelve months was $193 billion, against $86.6 billion a year earlier. If profits fell back, the same share price would mean a higher multiple.
#fiscal #fell
Between October 6 and November 4, 2026, NVIDIA (NVDA) stock fell 16.3% while the S&P 500 lost 1.6%. Anyone thinking of buying wants to know whether that drop is a chance or a warning. The answer depends less on demand, which management says is larger than NVIDIA can supply, than on what meeting that demand will cost the company. First, how strong is NVIDIA's business right now?
NVIDIA's Sales Growth Has Sped Up Four Quarters Running
The latest results show a very strong business. Revenue rose 105.9% from a year earlier to $96.2 billion in fiscal Q2 2027, the quarter that ended July 26, 2026. Growth had been 62.5% in fiscal Q3 2026, and it accelerated in each quarter after that. That 62.5% was itself up from 55.6% in fiscal Q2 2026. NVIDIA also keeps an unusual share of its sales as profit. Its operating margin over the last twelve months was 65.2%, against 18.7% for the S&P 500.
Investors pay 25.1 times NVIDIA's earnings over the last twelve months, against 22.8 for the S&P 500. A multiple only a little above the broader market reflects profits that more than doubled in a year. Net income over the last twelve months was $193 billion, against $86.6 billion a year earlier. If profits fell back, the same share price would mean a higher multiple.
#fiscal #fell
5 days ago
Layoff plans in October fell to the lowest level since 2023 as companies turned their attention to retaining existing employees and adding seasonal help ahead of the holidays.
US employers announced 43,994 job cuts in October, up slightly from September but down 71% from a year earlier, according to outplacement firm Challenger, Gray & Christmas.
Job cuts have been muted this year as the labor market stays in "low hire, low fire" mode. Announced cuts in the first 10 months of the year are at their lowest level since 2022.
"This is a low-fire environment," Andy Challenger, chief revenue officer at Challenger, said in a statement. "Employers are holding on to the workers they have heading into the holidays, and the hiring they are announcing is largely short-term, seasonal work. Companies want the flexibility to meet holiday demand without adding permanent headcount."
Food companies announced nearly 10,000 layoffs in October, followed by the technology sector's 5,600 cuts. Tech companies have announced more than 170,000 job cuts this year, usurping their total for all of 2025.
#announced #since
US employers announced 43,994 job cuts in October, up slightly from September but down 71% from a year earlier, according to outplacement firm Challenger, Gray & Christmas.
Job cuts have been muted this year as the labor market stays in "low hire, low fire" mode. Announced cuts in the first 10 months of the year are at their lowest level since 2022.
"This is a low-fire environment," Andy Challenger, chief revenue officer at Challenger, said in a statement. "Employers are holding on to the workers they have heading into the holidays, and the hiring they are announcing is largely short-term, seasonal work. Companies want the flexibility to meet holiday demand without adding permanent headcount."
Food companies announced nearly 10,000 layoffs in October, followed by the technology sector's 5,600 cuts. Tech companies have announced more than 170,000 job cuts this year, usurping their total for all of 2025.
#announced #since
5 days ago
Henry liquidated his retirement savings to maintain a $90,000 lifestyle after an AI-driven layoff cut his pay to $50,000, leaving him $45,000 in debt.
His $15,000 personal loan at 35% interest costs roughly $5,250 per year, far exceeding the record-high average credit card APR of 21%.
Ramsey Show hosts urged Henry to sell his car, eliminating a $620 monthly payment, stop all new borrowing, and pick up a side hustle.
Read More: Learn 7 ways to generate income with a $1,000,000+ portfolio (sponsor)
Henry, an HR technology worker from Oklahoma City, called The Ramsey Show and told hosts George Kamel and Jade Warshaw he had been laid off. He said he had been out of work two to three months and was now "making 90,000 and now I'm making 50,000 due to my field significantly shrinking due to automation and AI." Then he described the move that turned a pay cut into a crisis: "I fully liquidated my retirement and maintain the lifestyle I was living."
#henry
His $15,000 personal loan at 35% interest costs roughly $5,250 per year, far exceeding the record-high average credit card APR of 21%.
Ramsey Show hosts urged Henry to sell his car, eliminating a $620 monthly payment, stop all new borrowing, and pick up a side hustle.
Read More: Learn 7 ways to generate income with a $1,000,000+ portfolio (sponsor)
Henry, an HR technology worker from Oklahoma City, called The Ramsey Show and told hosts George Kamel and Jade Warshaw he had been laid off. He said he had been out of work two to three months and was now "making 90,000 and now I'm making 50,000 due to my field significantly shrinking due to automation and AI." Then he described the move that turned a pay cut into a crisis: "I fully liquidated my retirement and maintain the lifestyle I was living."
#henry
5 days ago
Apple stock bought at $25.02 in 2016 now sits at $352.64, leaving a $92,905 embedded gain inside a $100,000 position.
A single filer with zero 2026 income can sell up to $65,550 of long-term gains at 0% federal tax by combining the standard deduction and the 0% bracket.
The gift strategy beats inheritance outright only when the embedded gain is $65,550 or less, with the crossover basis sitting at $34,450 on a $100,000 position.
At the national average savings rate, $40,000 earns about $150 a year. In one of today's top-rated high-yield accounts, the same balance earns $1,200 or more. See the current best rates, side by side.
A 66-year-old widow bought shares of Apple (NASDAQ:AAPL) in November 2016 at a split-adjusted $25.02. Ten years later the stock trades at $352.64, a 1309.61% gain. Her position is now worth $100,000.
#gain #Apple #Stock #year
A single filer with zero 2026 income can sell up to $65,550 of long-term gains at 0% federal tax by combining the standard deduction and the 0% bracket.
The gift strategy beats inheritance outright only when the embedded gain is $65,550 or less, with the crossover basis sitting at $34,450 on a $100,000 position.
At the national average savings rate, $40,000 earns about $150 a year. In one of today's top-rated high-yield accounts, the same balance earns $1,200 or more. See the current best rates, side by side.
A 66-year-old widow bought shares of Apple (NASDAQ:AAPL) in November 2016 at a split-adjusted $25.02. Ten years later the stock trades at $352.64, a 1309.61% gain. Her position is now worth $100,000.
#gain #Apple #Stock #year
6 days ago
Democrats secured control of the Senate on Tuesday, a seismic shift that effectively blocks President Trump's campaign to reshape the Federal Reserve and neutralizes what many ******* ysts viewed as a threat to the central bank's independence.
It also heightens the challenge for Trump should he maneuver to replace any sitting officials.
"Democrats' control of the Senate reclaims the party's ability to approve or deny the President's nominees for judges and heads of other executive branch agencies," Jonathan Pingle, an economist for UBS, wrote in a note. "That includes the need for Democrats to approve any new members of the Board of Governors of the Federal Reserve System should one of the existing governors step aside."
That political firewall directly impacts the administration's ongoing effort to remove Fed governor Lisa Cook. Trump fired Cook in August 2025, claiming she committed mortgage fraud by making misrepresentations on loan documents years before her appointment to the central bank. Cook, a Biden appointee, has denied any wrongdoing and sued. The lawsuit has gone through multiple court rungs before reaching the Supreme Court earlier this year.
Last month, Trump established a committee to determine whether her statements constituted legal "cause" for removal from the central bank, signaling that his efforts to oust her are continuing.
#reserve
It also heightens the challenge for Trump should he maneuver to replace any sitting officials.
"Democrats' control of the Senate reclaims the party's ability to approve or deny the President's nominees for judges and heads of other executive branch agencies," Jonathan Pingle, an economist for UBS, wrote in a note. "That includes the need for Democrats to approve any new members of the Board of Governors of the Federal Reserve System should one of the existing governors step aside."
That political firewall directly impacts the administration's ongoing effort to remove Fed governor Lisa Cook. Trump fired Cook in August 2025, claiming she committed mortgage fraud by making misrepresentations on loan documents years before her appointment to the central bank. Cook, a Biden appointee, has denied any wrongdoing and sued. The lawsuit has gone through multiple court rungs before reaching the Supreme Court earlier this year.
Last month, Trump established a committee to determine whether her statements constituted legal "cause" for removal from the central bank, signaling that his efforts to oust her are continuing.
#reserve
6 days ago
A strong showing by Democrats in Texas swept Gina Hinojosa into office as the state's first Democratic governor since 1990 in a contest closely watched by Big Tech companies.
Texas is considered a bellwether for government restrictions on AI data centers and was just one place where deep voter unease over the build-out was on display. Voters across the country passed a series of local ballot measures aimed at restricting construction in the years ahead.
Hinojosa, Texas's first Latina governor, has pledged to impose a moratorium on data center construction in Texas, which accounts for more than 25% of planned US capacity by 2030.
"I want to say something to the powerful people who have gotten very comfortable running this state," she told supporters in her victory speech. "The voters have delivered a mandate for change, and it is change they will get."
Her victory was one of a series of wins for Democrats in Texas. The party is also on track to take control of the Texas House, which would give Hinojosa more power to follow through on restrictions even as the state Senate appears set to remain under Republican control.
#texas #series #construction
Texas is considered a bellwether for government restrictions on AI data centers and was just one place where deep voter unease over the build-out was on display. Voters across the country passed a series of local ballot measures aimed at restricting construction in the years ahead.
Hinojosa, Texas's first Latina governor, has pledged to impose a moratorium on data center construction in Texas, which accounts for more than 25% of planned US capacity by 2030.
"I want to say something to the powerful people who have gotten very comfortable running this state," she told supporters in her victory speech. "The voters have delivered a mandate for change, and it is change they will get."
Her victory was one of a series of wins for Democrats in Texas. The party is also on track to take control of the Texas House, which would give Hinojosa more power to follow through on restrictions even as the state Senate appears set to remain under Republican control.
#texas #series #construction
6 days ago
The S&P 500 (SNPINDEX: ^GSPC) stock market index has more than doubled from its 2022 bear market low point, but it faces a number of challenges that could derail its current bull run.
Rising oil prices are stoking inflation, which prompted the Federal Reserve to raise interest rates at its September meeting, and additional hikes might be on the way. This alone has been enough to spark a correction in the broader market in the past, but investors are also wrestling with a potential slowdown in artificial intelligence (AI) infrastructure spending, which is impacting some of the largest stocks in the S&P 500.
Missed AI's "Act 1"? Act 2 Could Be 16x Bigger. Most investors think they missed the AI boat because they didn't buy Nvidia in 2005. But according to our ***** ysts, we're only at the end of "Act 1"—the R&D phase. "Act 2" is the global rollout. Continue »
To top things off, the S&P is trading at a very expensive valuation, leaving it particularly vulnerable to a sharp sell-off. Fortunately, there is a way investors can capitalize on a downturn based on almost 70 years' worth of history.
The U.S. and Iran have been engaged in a geopolitical conflict since February, resulting in the closure of the Strait of Hormuz waterway, through which 25% of the world's seaborne oil transits each day. Moreover, the ongoing war between Saudi Arabia and Yemen recently knocked even more oil supply offline, while Ukraine and Russia also continue targeting one another's energy infrastructure.
#rising
Rising oil prices are stoking inflation, which prompted the Federal Reserve to raise interest rates at its September meeting, and additional hikes might be on the way. This alone has been enough to spark a correction in the broader market in the past, but investors are also wrestling with a potential slowdown in artificial intelligence (AI) infrastructure spending, which is impacting some of the largest stocks in the S&P 500.
Missed AI's "Act 1"? Act 2 Could Be 16x Bigger. Most investors think they missed the AI boat because they didn't buy Nvidia in 2005. But according to our ***** ysts, we're only at the end of "Act 1"—the R&D phase. "Act 2" is the global rollout. Continue »
To top things off, the S&P is trading at a very expensive valuation, leaving it particularly vulnerable to a sharp sell-off. Fortunately, there is a way investors can capitalize on a downturn based on almost 70 years' worth of history.
The U.S. and Iran have been engaged in a geopolitical conflict since February, resulting in the closure of the Strait of Hormuz waterway, through which 25% of the world's seaborne oil transits each day. Moreover, the ongoing war between Saudi Arabia and Yemen recently knocked even more oil supply offline, while Ukraine and Russia also continue targeting one another's energy infrastructure.
#rising
6 days ago
Over the last four years, the ageless Dow Jones Industrial Average (DJINDICES:^DJI), broad-based S&P 500 (SNPINDEX:^GSPC), and growth-focused Nasdaq Composite (NASDAQINDEX:^IXIC) have been virtually unstoppable. The artificial intelligence (AI) data center build-out has fueled an investing frenzy similar to what was witnessed in the mid-to-late 1990s with the internet.
But the stock market isn't without headwinds. Arguably, the biggest obstacle to the continuity of this bull market rally is persistently elevated inflation. The bad news for investors is that the Federal Reserve's initial inflation forecast for November shows things are getting downright ugly for Wall Street.
Missed AI's "Act 1"? Act 2 Could Be 16x Bigger. Most investors think they missed the AI boat because they didn't buy Nvidia in 2005. But according to our ****** ysts, we're only at the end of "Act 1"—the R&D phase. "Act 2" is the global rollout. Continue »
Fed Chair Kevin Warsh and his colleagues may need to get more aggressive with rate hikes. Image source: Official Federal Reserve Photo.
Though there's no perfect inflation prediction tool, the Federal Reserve Bank of Cleveland's Inflation Nowcasting tool does an exceptional job of accounting for new economic data and adjusting inflation forecasts in real time.
#inflation #data #market #jones
But the stock market isn't without headwinds. Arguably, the biggest obstacle to the continuity of this bull market rally is persistently elevated inflation. The bad news for investors is that the Federal Reserve's initial inflation forecast for November shows things are getting downright ugly for Wall Street.
Missed AI's "Act 1"? Act 2 Could Be 16x Bigger. Most investors think they missed the AI boat because they didn't buy Nvidia in 2005. But according to our ****** ysts, we're only at the end of "Act 1"—the R&D phase. "Act 2" is the global rollout. Continue »
Fed Chair Kevin Warsh and his colleagues may need to get more aggressive with rate hikes. Image source: Official Federal Reserve Photo.
Though there's no perfect inflation prediction tool, the Federal Reserve Bank of Cleveland's Inflation Nowcasting tool does an exceptional job of accounting for new economic data and adjusting inflation forecasts in real time.
#inflation #data #market #jones
6 days ago
The maximum 2026 Social Security benefit is $5,181/month, requiring 35+ years earning at or above the $184,500 wage cap and claiming at 70.
Most workers can't hit the wage cap, but delaying Social Security to 70 and boosting salary through job-hopping raises your benefit meaningfully.
Combining a $2,500 monthly Social Security benefit with $32,000 in annual IRA or 401(k) withdrawals can match the maximum benefit's $62,000 yearly income.
Building a portfolio and living off one are two completely different skills, and almost ******* ody teaches the second. This problem is what The Definitive Guide to Retirement Income helps, and it is free today. Read more here. (Sponsor)
The typical retiree who receives Social Security benefits gets about $2,088 per month. On an annual basis, that's about $25,000.
#income #maximum #annual
Most workers can't hit the wage cap, but delaying Social Security to 70 and boosting salary through job-hopping raises your benefit meaningfully.
Combining a $2,500 monthly Social Security benefit with $32,000 in annual IRA or 401(k) withdrawals can match the maximum benefit's $62,000 yearly income.
Building a portfolio and living off one are two completely different skills, and almost ******* ody teaches the second. This problem is what The Definitive Guide to Retirement Income helps, and it is free today. Read more here. (Sponsor)
The typical retiree who receives Social Security benefits gets about $2,088 per month. On an annual basis, that's about $25,000.
#income #maximum #annual
6 days ago
A single ticket in New Jersey won the $847 million Powerball Wednesday night, one of the 10 biggest jackpots in the lottery's history.
The ticket holder matched the winning numbers, 15, 34, 41, 53 and 56, as well as the red 21 Powerball, to take the prize.
The winner can either take a one-time payment of $363.1 million before taxes, or they can choose an annuity that is paid out over the next 29 years.
A total of 25 people won $50,000 in the draw, while four Power Play winners boosted their prizes to $100,000.
The win ends the three-month Powerball jackpot drought, after the last grand prize winner claimed $1.04 billion in Illinois, which was the eighth-largest win in the game's history.
#history #take #wednesday
The ticket holder matched the winning numbers, 15, 34, 41, 53 and 56, as well as the red 21 Powerball, to take the prize.
The winner can either take a one-time payment of $363.1 million before taxes, or they can choose an annuity that is paid out over the next 29 years.
A total of 25 people won $50,000 in the draw, while four Power Play winners boosted their prizes to $100,000.
The win ends the three-month Powerball jackpot drought, after the last grand prize winner claimed $1.04 billion in Illinois, which was the eighth-largest win in the game's history.
#history #take #wednesday
6 days ago
Roth conversions count as income, so retirees over 65 near $75,000 can lose the new $6,000 senior deduction without warning.
A $40,000 conversion for a single retiree costs about 23% rather than the quoted 22%, while $100,000 nearly erases the deduction.
Converting only up to the income threshold, waiting until 2029, or paying conversion tax from taxable savings can protect the deduction.
Read More: Learn 7 ways to generate income with a $1,000,000+ portfolio (sponsor)
Congress handed people 65 and older a new tax break last year, and it comes with a tripwire that most of the articles celebrating it skipped. The deduction is worth up to $6,000 a person for tax years 2025 through 2028. It starts to shrink once your income passes $75,000 if you are single, or $150,000 if you file jointly, and it shrinks fast: 6 cents for every dollar over the line. At $175,000 single or $250,000 joint it is gone.
#income #single #converting #conversions
A $40,000 conversion for a single retiree costs about 23% rather than the quoted 22%, while $100,000 nearly erases the deduction.
Converting only up to the income threshold, waiting until 2029, or paying conversion tax from taxable savings can protect the deduction.
Read More: Learn 7 ways to generate income with a $1,000,000+ portfolio (sponsor)
Congress handed people 65 and older a new tax break last year, and it comes with a tripwire that most of the articles celebrating it skipped. The deduction is worth up to $6,000 a person for tax years 2025 through 2028. It starts to shrink once your income passes $75,000 if you are single, or $150,000 if you file jointly, and it shrinks fast: 6 cents for every dollar over the line. At $175,000 single or $250,000 joint it is gone.
#income #single #converting #conversions
6 days ago
King Charles and Queen Camilla have had a successful visit to Antigua and Barbuda, following on from His Majesty's solo visits to the Bahamas and Guyana. On Thursday they will be touching down on UK soil, just in time for Bonfire Night. However, it may not be a big celebration in the royal household, and that's because of this one reason…
The royal couple have two dogs, Bluebell, a rescue Jack Russell Terrier adopted by Camilla from the Battersea Dogs & Cats Home in 2012 and Moley, a part Jack Russell Terrier adopted from the same place in 2025.
Camilla posed in the grounds of her Wiltshire home with Moley (@ Chris Jackson/Getty Images)
It is well known that dogs can struggle with the loud bangs that come with fireworks, and are often unsettled during this time of year. Plus, the Jack Russell breed in particular, being a non-hunting breed, is said to not cope well with the sounds. So, Charles and Camilla may be spending their post-travel evening comforting their pooches if they aren't happy.
Advice on the Battersea Dogs Home website includes playing classical music to soothe and calm your pet, giving them a long-lasting chew to keep them distracted and also drawing the curtains to block out the light from fireworks.
#battersea #moley #time
The royal couple have two dogs, Bluebell, a rescue Jack Russell Terrier adopted by Camilla from the Battersea Dogs & Cats Home in 2012 and Moley, a part Jack Russell Terrier adopted from the same place in 2025.
Camilla posed in the grounds of her Wiltshire home with Moley (@ Chris Jackson/Getty Images)
It is well known that dogs can struggle with the loud bangs that come with fireworks, and are often unsettled during this time of year. Plus, the Jack Russell breed in particular, being a non-hunting breed, is said to not cope well with the sounds. So, Charles and Camilla may be spending their post-travel evening comforting their pooches if they aren't happy.
Advice on the Battersea Dogs Home website includes playing classical music to soothe and calm your pet, giving them a long-lasting chew to keep them distracted and also drawing the curtains to block out the light from fireworks.
#battersea #moley #time
6 days ago
Meghan Markle and Prince Harry's Hollywood plans might be on hold. According to sources, their Netflix film projects haven't shown any clear progress since March. However, another source claimed that this is standard practice in the industry. Meanwhile, their production company has reportedly lost another executive.
Sources told Page Six that the Sussexes' Netflix films, "Meet Me at the Lake" and "The Wedding Date," remain in development. The first is based on Carley Fortune's bestselling book. It has reportedly been in development since August 2023, and it's believed to have an attached director whose identity remains under wraps. "The Wedding Date," based on Jasmine Guillory's novel, has been in development since 2025.
However, a second source called it simply how Hollywood works. "Things are not made in a day," the industry insider said. They explained that adaptations take a while, especially as producers work with the book writers on the script.
The couple's untitled scripted polo drama also hasn't received any update. Harry is reportedly working on a documentary about Princess Diana ahead of her 30th death anniversary. Netflix's potential involvement in the film currently remains unclear.
Meanwhile, Archewell Productions' longtime head of nonfiction, Chanel Pysnik, is reportedly leaving. She helmed the Netflix documentary "Harry & Meghan." Page Six was told that she wanted a "new chapter." Following her exit, Nishika ******* ble, senior vice president of scripted television, remains a key executive in the company. The outlet reported last month that Archewell Productions was downsizing.
#netflix #reportedly #development
Sources told Page Six that the Sussexes' Netflix films, "Meet Me at the Lake" and "The Wedding Date," remain in development. The first is based on Carley Fortune's bestselling book. It has reportedly been in development since August 2023, and it's believed to have an attached director whose identity remains under wraps. "The Wedding Date," based on Jasmine Guillory's novel, has been in development since 2025.
However, a second source called it simply how Hollywood works. "Things are not made in a day," the industry insider said. They explained that adaptations take a while, especially as producers work with the book writers on the script.
The couple's untitled scripted polo drama also hasn't received any update. Harry is reportedly working on a documentary about Princess Diana ahead of her 30th death anniversary. Netflix's potential involvement in the film currently remains unclear.
Meanwhile, Archewell Productions' longtime head of nonfiction, Chanel Pysnik, is reportedly leaving. She helmed the Netflix documentary "Harry & Meghan." Page Six was told that she wanted a "new chapter." Following her exit, Nishika ******* ble, senior vice president of scripted television, remains a key executive in the company. The outlet reported last month that Archewell Productions was downsizing.
#netflix #reportedly #development
6 days ago
Google is extending its buyout program to selected workers in five additional countries as the company looks for ways to control expenses while pouring money into artificial intelligence programs.
The company told Reuters that select workers in Canada, France, Germany, ****** an and Switzerland were offered buyouts beginning in June, although the number of employees who accepted was unclear.
FOX Business has reached out to Google for comment.
"In 2025, some of our teams introduced a voluntary exit program with severance," a Google spokesperson said in a statement to Reuters. "This past summer, in June, we expanded this program globally in a few countries to support our important work ahead."
Google Parent Alphabet Suffers Nearly $500B Wall Street Wipeout Amid Ai Spending Fears
#workers
The company told Reuters that select workers in Canada, France, Germany, ****** an and Switzerland were offered buyouts beginning in June, although the number of employees who accepted was unclear.
FOX Business has reached out to Google for comment.
"In 2025, some of our teams introduced a voluntary exit program with severance," a Google spokesperson said in a statement to Reuters. "This past summer, in June, we expanded this program globally in a few countries to support our important work ahead."
Google Parent Alphabet Suffers Nearly $500B Wall Street Wipeout Amid Ai Spending Fears
#workers
6 days ago
Kellie Pickler and the parents of her late husband have ended a two-year legal battle over his personal property.
The parties have now come to a settlement, the terms of which are confidential.
Pickler and Kyle Jacobs were married for 12 years until his 2023 death.
Kellie Pickler and the parents of her late husband, Kyle Jacobs, have reached a confidential settlement over his property, according to PEOPLE.
Jacobs' parents, Reed and Sharon, and the American Idol alum have now "fully resolved all claims, disputes, and requests for relief by and between them," read the documents obtained by Entertainment Weekly's sister site. Additionally, the parties are "satisfied with the distribution of ***** ets."
#pickler #husband #settlement
The parties have now come to a settlement, the terms of which are confidential.
Pickler and Kyle Jacobs were married for 12 years until his 2023 death.
Kellie Pickler and the parents of her late husband, Kyle Jacobs, have reached a confidential settlement over his property, according to PEOPLE.
Jacobs' parents, Reed and Sharon, and the American Idol alum have now "fully resolved all claims, disputes, and requests for relief by and between them," read the documents obtained by Entertainment Weekly's sister site. Additionally, the parties are "satisfied with the distribution of ***** ets."
#pickler #husband #settlement
6 days ago
Prince Harry and Meghan Markle are set to make an appearance in Brussels.
Now that the Duke and ******* ss of Sussex have settled into their new home across the pond, they are ready to get back to work and contribute to the community. The couple is set to make a joint appearance in Belgium's capital on Tuesday, Nov. 10.
During their visit, they will open the Lost Screen Memorial in the city center. The tribute consists of 50 smartphone screens that each display a photo of a child who lost their life to the negative effects of social media.
According to People, the Sussexes are expected to give a keynote address about the importance of children's digital safety. Prince Harry is also set to participate in a panel discussion ******* led "Beyond Promises: Buidling a Digital Future That Works for Children."
Harry and Meghan's Archewell Foundation Parents' Network created and launched the Lost Screen Memorial as part of the "No Child Lost to Social Media" campaign. In April 2025, the two unveiled the installation in New York City. Another had gone up in Switzerland this past May with the ******* ss of Sussex present for the opening in Geneva's Place des Nations.
#lost #prince #city #child
Now that the Duke and ******* ss of Sussex have settled into their new home across the pond, they are ready to get back to work and contribute to the community. The couple is set to make a joint appearance in Belgium's capital on Tuesday, Nov. 10.
During their visit, they will open the Lost Screen Memorial in the city center. The tribute consists of 50 smartphone screens that each display a photo of a child who lost their life to the negative effects of social media.
According to People, the Sussexes are expected to give a keynote address about the importance of children's digital safety. Prince Harry is also set to participate in a panel discussion ******* led "Beyond Promises: Buidling a Digital Future That Works for Children."
Harry and Meghan's Archewell Foundation Parents' Network created and launched the Lost Screen Memorial as part of the "No Child Lost to Social Media" campaign. In April 2025, the two unveiled the installation in New York City. Another had gone up in Switzerland this past May with the ******* ss of Sussex present for the opening in Geneva's Place des Nations.
#lost #prince #city #child
6 days ago
Charles F. Porter, actor and producer of the 2025 film Finding Faith, has died after a long battle with cancer. He was 47.
His passing was announced by his wife, Candice Tab-Porter.
"With a very heavy heart I wanted to share the passing of my husband Charles Frederick Porter. I am honoured to have been by his side for the incredible 18 years we had together," she penned on Instagram.
Porter was best known on screen for playing the **** ular NASCAR champion in Wendell Scott: A Race Story.
Born in the UK to an American Air Force father and British mother, he went to college in the States, where he played American football. After a back injury derailed his NFL hopes, he dropped 65 pounds and became an actor.
In the early 2000s, Porter launched a promising TV career, making appearances on The Parkers, Close to Home, Without a Trace, Bones and House.
#porter #candice #frederick #Instagram
His passing was announced by his wife, Candice Tab-Porter.
"With a very heavy heart I wanted to share the passing of my husband Charles Frederick Porter. I am honoured to have been by his side for the incredible 18 years we had together," she penned on Instagram.
Porter was best known on screen for playing the **** ular NASCAR champion in Wendell Scott: A Race Story.
Born in the UK to an American Air Force father and British mother, he went to college in the States, where he played American football. After a back injury derailed his NFL hopes, he dropped 65 pounds and became an actor.
In the early 2000s, Porter launched a promising TV career, making appearances on The Parkers, Close to Home, Without a Trace, Bones and House.
#porter #candice #frederick #Instagram
6 days ago
Single retirees with provisional income above $34,000 face federal taxes on up to 85% of their Social Security benefits.
Provisional income combines your AGI, tax-exempt interest, and 50% of your annual Social Security benefit to determine your tax exposure.
Roth IRA withdrawals are excluded from AGI, potentially reducing provisional income to zero and shielding Social Security from federal taxes entirely.
Building a portfolio and living off one are two completely different skills, and almost ***** ody teaches the second. This problem is what The Definitive Guide to Retirement Income helps, and it is free today. Read more here. (Sponsor)
There are many older Americans today who live on Social Security alone. The average monthly Social Security retirement benefit is $2,088, which amounts to about $25,000 per year.
#security #federal
Provisional income combines your AGI, tax-exempt interest, and 50% of your annual Social Security benefit to determine your tax exposure.
Roth IRA withdrawals are excluded from AGI, potentially reducing provisional income to zero and shielding Social Security from federal taxes entirely.
Building a portfolio and living off one are two completely different skills, and almost ***** ody teaches the second. This problem is what The Definitive Guide to Retirement Income helps, and it is free today. Read more here. (Sponsor)
There are many older Americans today who live on Social Security alone. The average monthly Social Security retirement benefit is $2,088, which amounts to about $25,000 per year.
#security #federal
6 days ago
Over-concentrating savings in a 401(k) creates a liquidity trap. Every dollar locked away carries a 10% penalty plus taxes if withdrawn early.
A spouse earning $45,000 should choose a Roth IRA over a Traditional 401(k), since low tax brackets make tax deferral nearly worthless today.
A Roth IRA conversion ladder and IRS Section 72(t) payments both allow penalty-free early retirement account access for households that over-saved in tax-deferred accounts.
Saving $1 million for retirement is a genuine milestone worth celebrating. Anyone who reaches that number is officially a millionaire, and the habits that got them there, paying themselves first and resisting lifestyle creep, are habits worth keeping for the long run. Once the celebrations settle, smart savers start asking harder questions. The Redditor highlighted below is doing exactly that: wondering whether continuing to pile money into a 401(k) is still the right move once seven figures are on the scoreboard.
After crossing that threshold, a conversation with a financial planner becomes more than just a good idea. The questions go well beyond monthly budgets. Choosing the right securities, maintaining a sound **** et allocation, and optimizing for taxes are the levers that can turn a first million into a far larger fortune over time.
#once #habits
A spouse earning $45,000 should choose a Roth IRA over a Traditional 401(k), since low tax brackets make tax deferral nearly worthless today.
A Roth IRA conversion ladder and IRS Section 72(t) payments both allow penalty-free early retirement account access for households that over-saved in tax-deferred accounts.
Saving $1 million for retirement is a genuine milestone worth celebrating. Anyone who reaches that number is officially a millionaire, and the habits that got them there, paying themselves first and resisting lifestyle creep, are habits worth keeping for the long run. Once the celebrations settle, smart savers start asking harder questions. The Redditor highlighted below is doing exactly that: wondering whether continuing to pile money into a 401(k) is still the right move once seven figures are on the scoreboard.
After crossing that threshold, a conversation with a financial planner becomes more than just a good idea. The questions go well beyond monthly budgets. Choosing the right securities, maintaining a sound **** et allocation, and optimizing for taxes are the levers that can turn a first million into a far larger fortune over time.
#once #habits
6 days ago
Here's why stocks are doing something very different post-election from what many thought they would.
In the latest installment of Yahoo Finance's FA Corner, Mitlin Financial founder Lawrence Sprung joins The 8:30 team to discuss whether investors should immediately be reacting to events such as market volatility or sell-offs in tech stocks.
#stocks #mitlin #financial #lawrence
In the latest installment of Yahoo Finance's FA Corner, Mitlin Financial founder Lawrence Sprung joins The 8:30 team to discuss whether investors should immediately be reacting to events such as market volatility or sell-offs in tech stocks.
#stocks #mitlin #financial #lawrence
6 days ago
Andrew Garfield originally intended to play Mark Zuckerberg in 2010's The Social Network before Jesse Eisenberg took on the role, while Garfield instead played Facebook co-founder Eduardo Saverin
Garfield is reflecting on the experience now that he is playing another majorly impactful tech CEO in Artificial as OpenAI's Sam Altman
Artificial, Garfield's new movie about the company behind ChatGPT, is in theaters Dec. 25
Andrew Garfield's role as Facebook co-founder Eduardo Saverin in The Social Network is still on the actor's mind as he steps into a new movie about a tech company with tremendous power.
Garfield, 43, spoke with GQ in an interview published Wednesday, Nov. 4, regarding his new movie Artificial, in which he portrays OpenAI co-founder and CEO Sam Altman. The role had him reflecting on when he starred in 2010's The Social Network after losing out on the role of Facebook CEO Mark Zuckerberg to Jesse Eisenberg.
#garfield #Social #artificial #andrew
Garfield is reflecting on the experience now that he is playing another majorly impactful tech CEO in Artificial as OpenAI's Sam Altman
Artificial, Garfield's new movie about the company behind ChatGPT, is in theaters Dec. 25
Andrew Garfield's role as Facebook co-founder Eduardo Saverin in The Social Network is still on the actor's mind as he steps into a new movie about a tech company with tremendous power.
Garfield, 43, spoke with GQ in an interview published Wednesday, Nov. 4, regarding his new movie Artificial, in which he portrays OpenAI co-founder and CEO Sam Altman. The role had him reflecting on when he starred in 2010's The Social Network after losing out on the role of Facebook CEO Mark Zuckerberg to Jesse Eisenberg.
#garfield #Social #artificial #andrew
6 days ago
CD ownership among American families surged 65%, jumping from 6.5% to 10.7% between 2022 and 2025, driven by higher deposit rates.
Median CD balances rose 23% while mean balances grew only 4%, signaling gains spread broadly among typical savers rather than wealthy account holders.
Treasury bills currently yield up to 4.39%, well above the national average 12-month CD rate of 1.76%, which trails inflation running at 3.7%.
Read More: Avoid these 13 retirement mistakes before they derail your future (sponsor)
For much of the last decade, bank certificates of deposit paid so little that many savers didn't bother with them. A CD is a savings account that holds money for a fixed term. A saver agrees to leave money with a bank for a set period, like 12 months, and the bank pays a fixed rate.
#deposit #account #rate
Median CD balances rose 23% while mean balances grew only 4%, signaling gains spread broadly among typical savers rather than wealthy account holders.
Treasury bills currently yield up to 4.39%, well above the national average 12-month CD rate of 1.76%, which trails inflation running at 3.7%.
Read More: Avoid these 13 retirement mistakes before they derail your future (sponsor)
For much of the last decade, bank certificates of deposit paid so little that many savers didn't bother with them. A CD is a savings account that holds money for a fixed term. A saver agrees to leave money with a bank for a set period, like 12 months, and the bank pays a fixed rate.
#deposit #account #rate
6 days ago
Your retirement savings could get a boost or face new tax consequences, depending on what happens after the November midterm elections.
Congress is weighing proposals that could double federal retirement savings incentives for eligible workers while forcing some wealthy Americans to withdraw more money from their accounts.
Read More: Worried about market swings? See why investors are moving to gold and silver IRAs
Find Out: FREE 2026 Investor Guide + Up to $25,000 in Silver with Qualifying Purchases
The stakes extend beyond millionaires. Changes to tax rules could also affect how much you save in your 401(k), when you convert an IRA to a Roth and how much of your retirement money you ultimately keep.
#Retirement #savings #money
Congress is weighing proposals that could double federal retirement savings incentives for eligible workers while forcing some wealthy Americans to withdraw more money from their accounts.
Read More: Worried about market swings? See why investors are moving to gold and silver IRAs
Find Out: FREE 2026 Investor Guide + Up to $25,000 in Silver with Qualifying Purchases
The stakes extend beyond millionaires. Changes to tax rules could also affect how much you save in your 401(k), when you convert an IRA to a Roth and how much of your retirement money you ultimately keep.
#Retirement #savings #money
6 days ago
Retirees may see property taxes climb even after the mortgage is gone, but the federal tax treatment is not always intuitive. Whether those payments actually reduce a tax bill can depend on how they fit with the rest of a return — and on several 2026 deduction rules.
Here's how to think through which way to deduct these taxes.
Find Out: Worried about market swings? See why investors are moving to gold and silver IRAs
Grow Rich: FREE 2026 Investor Guide + Up to $25,000 in Silver with Qualifying Purchases
Property taxes on a personal residence are an itemized deduction, not an amount taxpayers can simply add to the standard deduction, according to Jim Swiech, a certified public accountant (CPA) and founder at Go Beyond Tax. Retirees should compare their complete itemized totals with their standard deductions, then take whichever is larger.
#retirees #silver #worried
Here's how to think through which way to deduct these taxes.
Find Out: Worried about market swings? See why investors are moving to gold and silver IRAs
Grow Rich: FREE 2026 Investor Guide + Up to $25,000 in Silver with Qualifying Purchases
Property taxes on a personal residence are an itemized deduction, not an amount taxpayers can simply add to the standard deduction, according to Jim Swiech, a certified public accountant (CPA) and founder at Go Beyond Tax. Retirees should compare their complete itemized totals with their standard deductions, then take whichever is larger.
#retirees #silver #worried
6 days ago
When employers transfer pensions to insurers, federal PBGC protection disappears and state guaranty ****** ociations take over, covering only $100,000 to $500,000 in annuity present value.
A $2,000 monthly pension paid over 15 years is worth roughly $249,000, putting it right at most states' $250,000 coverage cap before any survivor benefit is added.
Retirees should verify the insurer's financial strength ratings, confirm all benefit terms match exactly, and check whether their state's guaranty ****** ociation fully covers their pension's present value.
Building a portfolio and living off one are two completely different skills, and almost ****** ody teaches the second. This problem is what The Definitive Guide to Retirement Income helps, and it is free today. Read more here. (Sponsor)
He read the letter twice before realizing that his old employer is moving his pension to an insurance company, but the monthly amount isn't changing. That part was a relief, even though the letter didn't explain what else was changing. The answer is in the fine print about who stands behind the check.
#check
A $2,000 monthly pension paid over 15 years is worth roughly $249,000, putting it right at most states' $250,000 coverage cap before any survivor benefit is added.
Retirees should verify the insurer's financial strength ratings, confirm all benefit terms match exactly, and check whether their state's guaranty ****** ociation fully covers their pension's present value.
Building a portfolio and living off one are two completely different skills, and almost ****** ody teaches the second. This problem is what The Definitive Guide to Retirement Income helps, and it is free today. Read more here. (Sponsor)
He read the letter twice before realizing that his old employer is moving his pension to an insurance company, but the monthly amount isn't changing. That part was a relief, even though the letter didn't explain what else was changing. The answer is in the fine print about who stands behind the check.
#check
6 days ago
USO sits near its 52-week high of $172, but its price rests on a futures war premium that the physical market is already discounting.
Goldman Sachs trader Peter Hackworth said 'Needless to say this does NOT suggest a tight market' as North Sea offers found no buyers.
Just released. Our ***** ysts combed the entire stock market and named the ten best stocks to buy right now, and Exxon Mobil didn't make the cut. Enter your email to see the names that beat XOM. The report is free. Enter your email and see if any of your stocks made the cut.
One cargo of the Republic of Congo's Djeno crude reportedly sold at $25 under Dated Brent. A month earlier, refiners were paying up for any barrel that could load soon.
Dated Brent is the price of physical North Sea cargoes loading in the next few weeks. ICE Brent futures are contracts for later delivery. In early October, Dated traded $30 a barrel above futures, and by November 3, 2026, that premium had shrunk to roughly $3.70 a barrel.
#futures #market
Goldman Sachs trader Peter Hackworth said 'Needless to say this does NOT suggest a tight market' as North Sea offers found no buyers.
Just released. Our ***** ysts combed the entire stock market and named the ten best stocks to buy right now, and Exxon Mobil didn't make the cut. Enter your email to see the names that beat XOM. The report is free. Enter your email and see if any of your stocks made the cut.
One cargo of the Republic of Congo's Djeno crude reportedly sold at $25 under Dated Brent. A month earlier, refiners were paying up for any barrel that could load soon.
Dated Brent is the price of physical North Sea cargoes loading in the next few weeks. ICE Brent futures are contracts for later delivery. In early October, Dated traded $30 a barrel above futures, and by November 3, 2026, that premium had shrunk to roughly $3.70 a barrel.
#futures #market
6 days ago
Berkshire bought 924,281 SIRI shares across three days, raising its stake to over 125 million shares at roughly $27 million total.
Sirius raised full-year guidance for the second straight quarter, with free cash flow rising 14% and EBITDA margins expanding to 32%.
Pandora monthly users fell 7%, net leverage sits at 3.3x adjusted EBITDA, and management warned of a harder Q4 for subscribers.
Just released. Our **** ysts combed the entire stock market and named the ten best stocks to buy right now, and Sirius XM didn't make the cut. Enter your email to see the names that beat SIRI. The report is free. Enter your email and see if any of your stocks made the cut.
Berkshire Hathaway (NYSE:BRK-B) disclosed in a Form 4 filed Nov. 3, 2026, that it bought 924,281 shares of Sirius XM (NASDAQ:SIRI) on Oct. 30, Nov. 2, and Nov. 3. The purchases raised its beneficial ownership to 125,731,398 shares. Investing.com estimated the buying at about $26.9 million, with weighted average prices of $28.8913 on Oct. 30 and $30.233 on Nov. 3.
#shares #berkshire #raised #free
Sirius raised full-year guidance for the second straight quarter, with free cash flow rising 14% and EBITDA margins expanding to 32%.
Pandora monthly users fell 7%, net leverage sits at 3.3x adjusted EBITDA, and management warned of a harder Q4 for subscribers.
Just released. Our **** ysts combed the entire stock market and named the ten best stocks to buy right now, and Sirius XM didn't make the cut. Enter your email to see the names that beat SIRI. The report is free. Enter your email and see if any of your stocks made the cut.
Berkshire Hathaway (NYSE:BRK-B) disclosed in a Form 4 filed Nov. 3, 2026, that it bought 924,281 shares of Sirius XM (NASDAQ:SIRI) on Oct. 30, Nov. 2, and Nov. 3. The purchases raised its beneficial ownership to 125,731,398 shares. Investing.com estimated the buying at about $26.9 million, with weighted average prices of $28.8913 on Oct. 30 and $30.233 on Nov. 3.
#shares #berkshire #raised #free
6 days ago
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Homeowners are spending more to sell their home, and many underestimate what it will cost to prep, market, and close a deal. Factor in a growing number of buyer's markets, and sellers' profits are being squeezed too.
Owners who put their house on the market in the past three years shelled out an average of nearly $82,000 to sell their home, up 22% from 2025, according to new research by Clever Real Estate.
Here are the numbers sellers will want to consider before listing.
Read more: Is it a good time to sell your house?
#House #advertiser #homeowners #factor
Homeowners are spending more to sell their home, and many underestimate what it will cost to prep, market, and close a deal. Factor in a growing number of buyer's markets, and sellers' profits are being squeezed too.
Owners who put their house on the market in the past three years shelled out an average of nearly $82,000 to sell their home, up 22% from 2025, according to new research by Clever Real Estate.
Here are the numbers sellers will want to consider before listing.
Read more: Is it a good time to sell your house?
#House #advertiser #homeowners #factor
