The Money Section | Zillow has a new disaster risk tool to help homebuyers

Also, you may have to start paying to read CNN articles. ͏ ‌     ͏ ‌     ͏ ‌     ͏ ‌     ͏ ‌     ͏ ‌     ͏ ‌     ͏ ‌     ͏ ‌     ͏ ‌     ͏ ‌     ͏ ‌     ͏ ‌     ͏ ‌     ͏ ‌     ͏ ‌     ͏ ‌     ͏ ‌     ͏ ‌     ͏ ‌     ͏ ‌     ͏ ‌     ͏ ‌     ͏ ‌     ͏ ‌     ͏ ‌     ͏ ‌     ͏ ‌     ͏ ‌     ͏ ‌     ͏ ‌     ͏ ‌     ͏ ‌     ͏ ‌     ͏ ‌     ͏ ‌     ͏ ‌     ͏ ‌     ͏ ‌     ͏ ‌     ͏ ‌     ͏ ‌     ͏ ‌     ͏ ‌     ͏ ‌     ͏ ‌     ͏ ‌     ͏ ‌     ͏ ‌     ͏ ‌     ͏ ‌     ͏ ‌     ͏ ‌     ͏ ‌     ͏ ‌     ͏ ‌     ͏ ‌     ͏ ‌     ͏ ‌     ͏ ‌     ͏ ‌     ͏ ‌     ͏ ‌     ͏ ‌     ͏ ‌     ͏ ‌     ͏ ‌     ͏ ‌     ͏ ‌     ͏ ‌     ͏ ‌     ͏ ‌     ͏ ‌     ͏ ‌     ͏ ‌     ͏ ‌     ͏ ‌     ͏ ‌     ͏ ‌     ͏ ‌     ͏ ‌     ͏ ‌     ͏ ‌     ͏ ‌     ͏ ‌     ͏ ‌     ͏ ‌     ͏ ‌     ͏ ‌     ͏ ‌     ͏ ‌     ͏ ‌     ͏ ‌     ͏ ‌     ͏ ‌     ͏ ‌     ͏ ‌     ͏ ‌     ͏ ‌     ͏ ‌     [The Charlotte Observer](~/AAQRxQA~/RgRo4EsaP0QiaHR0cHM6Ly93d3cuY2hhcmxvdHRlb2JzZXJ2ZXIuY29tL1cDc3BjQgpm9xrG_WZeZEZWUht0cmlzdHJhbWJhbGR3aW44OUBnbWFpbC5jb21YBAAAA04~) ͏ ͏‌ ͏‌ ͏‌ ͏‌ ͏‌ ͏‌ ͏‌ ͏‌ ͏‌ ͏‌ ͏‌ ͏‌ ͏‌ ͏‌ ͏‌ ͏‌ ͏‌ ͏‌ ͏‌ ͏‌ ͏‌ ͏‌ ͏‌ ͏‌ ͏‌ ͏‌ ͏‌ ͏‌ ͏‌ ͏‌ ͏‌ ͏‌ ͏‌ ͏‌ ͏‌ ͏‌ ͏‌ ͏‌ ͏‌ ͏‌ ͏‌ ͏‌ ͏‌ ͏‌ ͏‌ ͏‌ ͏‌ ͏‌ ͏‌ ͏‌ ͏‌ ͏‌ ͏‌ ͏‌ ͏‌ ͏‌ ͏‌ October 2, 2024 • Issue #105 [The Money Section] This week, we’re looking at Zillow’s new tool that helps homebuyers assess potentially disaster-prone properties, CNN’s new $3.99/month paywall for frequent readers, changes in the FAFSA rollout for the 2024-2025 academic year, and Nike’s stock plunge after disappointing Q1 results. As the cost of natural disasters soars, homebuyers will soon have a new tool to evaluate climate risk [[Market header] October 0, 2024 • Issue #105 This week, we’re looking at Zillow’s new tool that helps homebuyers assess potentially disaster-prone properties, CNN’s new $3.99/month paywall for frequent readers, changes in the FAFSA rollout for the 2024-2025 academic year, and Nike’s stock plunge after disappointing Q1 results. As the cost of natural disasters soars, homebuyers will soon have a new tool to evaluate climate risk](~/AAQRxQA~/RgRo4EsaP0SFaHR0cHM6Ly9tb25leS5jb20vY2xpbWF0ZS1yaXNrLXNjb3JlLXppbGxvdy1saXN0aW5ncy8_eGlkPW1jY2xhdGNoeSZ1dG1fc291cmNlPW1jY2xhdGNoeSZ1dG1fbWVkaXVtPXJzc19zeW5kJnV0bV9jb250ZW50PXRtc19pc3N1ZTEwNVcDc3BjQgpm9xrG_WZeZEZWUht0cmlzdHJhbWJhbGR3aW44OUBnbWFpbC5jb21YBAAAA04~) Getty Images The Federal Reserve is expected to lower interest rates in September, but the magnitude of the cut is uncertain. While a quarter-point decrease is widely predicted, some experts anticipate a larger, potentially emergency cut of 50 or even 75 basis points due to economic concerns. Read more. Zillow is introducing a new risk score for listings to help buyers assess potential hazards. Rising insurance costs due to frequent severe weather events have made it crucial for homeowners to prepare for climate risks. Homeowners can take steps like home improvements and creating emergency plans to mitigate the impact of weather-related events. [Read more.](~/AAQRxQA~/RgRo4EsaP0SFaHR0cHM6Ly9tb25leS5jb20vY2xpbWF0ZS1yaXNrLXNjb3JlLXppbGxvdy1saXN0aW5ncy8_eGlkPW1jY2xhdGNoeSZ1dG1fc291cmNlPW1jY2xhdGNoeSZ1dG1fbWVkaXVtPXJzc19zeW5kJnV0bV9jb250ZW50PXRtc19pc3N1ZTEwNVcDc3BjQgpm9xrG_WZeZEZWUht0cmlzdHJhbWJhbGR3aW44OUBnbWFpbC5jb21YBAAAA04~) 👟 [Nike stock slides as company withdraws guidance amid CEO change.](~/AAQRxQA~/RgRo4EsaP0RtaHR0cHM6Ly9maW5hbmNlLnlhaG9vLmNvbS9uZXdzL25pa2Utc3RvY2stc2xpZGVzLWFzLWNvbXBhbnktd2l0aGRyYXdzLWd1aWRhbmNlLWFtaWQtY2VvLWNoYW5nZS0yMDIzMjA2MjEuaHRtbFcDc3BjQgpm9xrG_WZeZEZWUht0cmlzdHJhbWJhbGR3aW44OUBnbWFpbC5jb21YBAAAA04~) The company’s stock fell after reporting disappointing first-quarter results and withdrawing its annual outlook. Nike’s revenue declined due to weak sales in both direct-to-consumer and wholesale divisions. The CEO change announcement has not significantly impacted the stock price, which has been declining due to slowing sales growth and increased competition. 🇨🇳 [U.S. raises new concerns over Chinese lending practices.](~/AAQRxQA~/RgRo4EsaP0RNaHR0cHM6Ly93d3cubnl0aW1lcy5jb20vMjAyNC8xMC8wMS91cy9wb2xpdGljcy9jaGluYS1sb2Fucy1jdXJyZW5jeS1pbWYuaHRtbCNXA3NwY0IKZvcaxv1mXmRGVlIbdHJpc3RyYW1iYWxkd2luODlAZ21haWwuY29tWAQAAANO) Due to China’s opaque lending practices to debt-ridden countries, the Treasury Department urged the IMF to push China for greater transparency. China’s currency loans can obscure a country’s true debt levels, making it difficult for investors and the IMF to make informed decisions. Why the FAFSA isn’t opening in October like usual this year [Why the FAFSA isn’t opening in October like usual this year.](~/AAQRxQA~/RgRo4EsaP0SXaHR0cHM6Ly93d3cuc2FjYmVlLmNvbS9tb25leS9mYWZzYS1jb2xsZWdlLWZpbmFuY2lhbC1haWQtdGltZWxpbmUtMjAyNS8_eGlkPW1jY2xhdGNoeSZ1dG1fc291cmNlPW1jY2xhdGNoeSZ1dG1fbWVkaXVtPXJzc19zeW5kJnV0bV9jb250ZW50PXRtc19pc3N1ZTEwNVcDc3BjQgpm9xrG_WZeZEZWUht0cmlzdHJhbWJhbGR3aW44OUBnbWFpbC5jb21YBAAAA04~) Money; Getty Images This year, the crucial form for college financial aid will have a phased rollout. This change aims to avoid the technical issues experienced last year. The form will be available to all students on or before December 1st. While the FAFSA is delayed, students can still prepare by gathering necessary information and utilizing resources like net price calculators. [Read more.](~/AAQRxQA~/RgRo4EsaP0SXaHR0cHM6Ly93d3cuc2FjYmVlLmNvbS9tb25leS9mYWZzYS1jb2xsZWdlLWZpbmFuY2lhbC1haWQtdGltZWxpbmUtMjAyNS8_eGlkPW1jY2xhdGNoeSZ1dG1fc291cmNlPW1jY2xhdGNoeSZ1dG1fbWVkaXVtPXJzc19zeW5kJnV0bV9jb250ZW50PXRtc19pc3N1ZTEwNVcDc3BjQgpm9xrG_WZeZEZWUht0cmlzdHJhbWJhbGR3aW44OUBnbWFpbC5jb21YBAAAA04~) ⚓ [U.S. port strike backed by White House.](~/AAQRxQA~/RgRo4EsaP0RtaHR0cHM6Ly93d3cucmV1dGVycy5jb20vd29ybGQvdXMvd2hpdGUtaG91c2Utc2lkZXMtd2l0aC11bmlvbi1kb2Nrd29ya2VyLXN0cmlrZS1lbnRlcnMtc2Vjb25kLWRheS0yMDI0LTEwLTAyL1cDc3BjQgpm9xrG_WZeZEZWUht0cmlzdHJhbWJhbGR3aW44OUBnbWFpbC5jb21YBAAAA04~) The International Longshoremen’s Association (ILA) strike has disrupted ocean shipping across the U.S., impacting goods and raising concerns about economic consequences. The union seeks higher wages and job protection, while USMX has offered a 50% wage hike. The strike is affecting major ports and could cost the economy billions of dollars. 💊 [Eli Lilly to build a $4.5 billion research and manufacturing center to propel drug pipeline.](~/AAQRxQA~/RgRo4EsaP0RpaHR0cHM6Ly93d3cuY25iYy5jb20vMjAyNC8xMC8wMi9lbGktbGlsbHktdG8tYnVpbGQtNHBvaW50NS1iaWxsaW9uLXJlc2VhcmNoLWFuZC1tYW51ZmFjdHVyaW5nLWNlbnRlci5odG1sVwNzcGNCCmb3Gsb9Zl5kRlZSG3RyaXN0cmFtYmFsZHdpbjg5QGdtYWlsLmNvbVgEAAADTg~~) The company is investing $4.5 billion in a new facility to develop more efficient manufacturing methods for its medicines. This follows the success of its obesity and weight loss drugs, Mounjaro and Zepbound. The facility will combine research and production, aiming to accelerate drug development. You can now get admitted to hundreds of colleges without even applying [You can now get admitted to hundreds of colleges without even applying](~/AAQRxQA~/RgRo4EsaP0SRaHR0cHM6Ly9tb25leS5jb20vY29sbGVnZS1hcHBsaWNhdGlvbnMtZGlyZWN0LWFkbWlzc2lvbnMtZ3Jvd2luZy8_eGlkPW1jY2xhdGNoeSZ1dG1fc291cmNlPW1jY2xhdGNoeSZ1dG1fbWVkaXVtPXJzc19zeW5kJnV0bV9jb250ZW50PXRtc19pc3N1ZTEwNVcDc3BjQgpm9xrG_WZeZEZWUht0cmlzdHJhbWJhbGR3aW44OUBnbWFpbC5jb21YBAAAA04~) Money; Getty Images; Shutterstock Direct admissions programs are becoming increasingly popular, allowing students to receive college offers without applying. These programs aim to reduce barriers for first-generation and low-income students. Colleges are using direct admissions to attract more students and address declining enrollment rates. [Read more.](~/AAQRxQA~/RgRo4EsaP0SRaHR0cHM6Ly9tb25leS5jb20vY29sbGVnZS1hcHBsaWNhdGlvbnMtZGlyZWN0LWFkbWlzc2lvbnMtZ3Jvd2luZy8_eGlkPW1jY2xhdGNoeSZ1dG1fc291cmNlPW1jY2xhdGNoeSZ1dG1fbWVkaXVtPXJzc19zeW5kJnV0bV9jb250ZW50PXRtc19pc3N1ZTEwNVcDc3BjQgpm9xrG_WZeZEZWUht0cmlzdHJhbWJhbGR3aW44OUBnbWFpbC5jb21YBAAAA04~) 🖥️ [CNN launches a digital paywall, charging some users to read articles for the first time.](~/AAQRxQA~/RgRo4EsaP0RbaHR0cHM6Ly9lZGl0aW9uLmNubi5jb20vMjAyNC8xMC8wMS9tZWRpYS9jbm4tbGF1bmNoLWRpZ2l0YWwtc3Vic2NyaXB0aW9uLXBheXdhbGwvaW5kZXguaHRtbFcDc3BjQgpm9xrG_WZeZEZWUht0cmlzdHJhbWJhbGR3aW44OUBnbWFpbC5jb21YBAAAA04~) CNN is asking users to pay $3.99 a month for unlimited access to its website. Only frequent readers will be prompted to subscribe. This launch aims to replicate The New York Times’ success in converting online readers to subscribers and generate new digital revenue streams. 🍎 [Apple’s iPhone 16 cycle faces headwinds.](~/AAQRxQA~/RgRo4EsaP0SRaHR0cHM6Ly93d3cuYmVuemluZ2EuY29tL25ld3MvMjQvMTAvNDExMjczNjIvYXBwbGVzLWlwaG9uZS0xNi1jeWNsZS1mYWNlcy1oZWFkd2luZHMtYW5hbHlzdC13YXJucy1vZi13ZWFrZXItZGVtYW5kLW1hY3JvLXByZXNzdXJlcy1wb3RlbnRpYWwtZWFybFcDc3BjQgpm9xrG_WZeZEZWUht0cmlzdHJhbWJhbGR3aW44OUBnbWFpbC5jb21YBAAAA04~) Sell-through checks suggest weaker-than-expected demand for iPhone 16, with shorter wait times and lower sales compared to the previous year. Barclays analyst Tim Long believes that iPhone 16 sales will be softer due to factors such as staggered AI launches, limited adoption of AI outside the U.S., and weakening consumer spending. Smart Money Move It’s not your imagination, vet bills are soaring these days [doggie in a shower](~/AAQRxQA~/RgRo4EsaP0SxaHR0cHM6Ly9zZWN1cmUubW9uZXkuY29tL3BldC1pbnN1cmFuY2UvbHAvYmVzdC1wZXQtaW5zdXJhbmNlLW1jYz9wY3VpZD11ZTA2MDc2OGQ5ZTMmanVtcF9mcm9tX2VtYmVkPXRydWUmdXRtX2NvbnRlbnQ9dG1zX2lzc3VlMTA1JnV0bV9tZWRpdW09cnNzX3N5bmQmdXRtX3NvdXJjZT1tY2NsYXRjaHkmd2FmaWQ9VwNzcGNCCmb3Gsb9Zl5kRlZSG3RyaXN0cmFtYmFsZHdpbjg5QGdtYWlsLmNvbVgEAAADTg~~)Vet care costs have skyrocketed, rising almost 8% in the last year alone. Surgeries and treatments are getting more expensive, and unexpected accidents and illnesses can add to the financial burden. Pet insurance can help you cover these expenses. For a small monthly fee, you can get reimbursement for up to 90% of your vet bills. Many plans offer coverage with no upper age limits or breed exclusions. Protect your pet and your wallet with pet insurance. [Check out Money’s top pet insurance providers and get your pet protected.](~/AAQRxQA~/RgRo4EsaP0SxaHR0cHM6Ly9zZWN1cmUubW9uZXkuY29tL3BldC1pbnN1cmFuY2UvbHAvYmVzdC1wZXQtaW5zdXJhbmNlLW1jYz9wY3VpZD11ZTA2MDc2OGQ5ZTMmanVtcF9mcm9tX2VtYmVkPXRydWUmdXRtX2NvbnRlbnQ9dG1zX2lzc3VlMTA1JnV0bV9tZWRpdW09cnNzX3N5bmQmdXRtX3NvdXJjZT1tY2NsYXRjaHkmd2FmaWQ9VwNzcGNCCmb3Gsb9Zl5kRlZSG3RyaXN0cmFtYmFsZHdpbjg5QGdtYWlsLmNvbVgEAAADTg~~) [ADVERTISEMENT](~/AAQRxQA~/RgRo4EsaP0SxaHR0cHM6Ly9zZWN1cmUubW9uZXkuY29tL3BldC1pbnN1cmFuY2UvbHAvYmVzdC1wZXQtaW5zdXJhbmNlLW1jYz9wY3VpZD11ZTA2MDc2OGQ5ZTMmanVtcF9mcm9tX2VtYmVkPXRydWUmdXRtX2NvbnRlbnQ9dG1zX2lzc3VlMTA1JnV0bV9tZWRpdW09cnNzX3N5bmQmdXRtX3NvdXJjZT1tY2NsYXRjaHkmd2FmaWQ9VwNzcGNCCmb3Gsb9Zl5kRlZSG3RyaXN0cmFtYmFsZHdpbjg5QGdtYWlsLmNvbVgEAAADTg~~) ~/AAQRxQA~/RgRo4EsaP4Q7AWh0dHBzOi8vd3d3LmFkdC5jb20vP2VjaWQ9Ul9ETV9QUk5fREVGX0FEVF9CUDJMLU1BSU4mdXRtX3NvdXJjZT1tb25leS5jb20mdXRtX21lZGl1bT1wYXJ0bmVyc2hpcHMmdXRtX2NhbXBhaWduPUJQTCZ1dG1fY29udGVudD1NY0NsYXRjaHlTZW5kJmNhY2xpZD0xNDM3Mzk2YjY2YTYyODhkZjhmNThlMjY4YjRjYTllNC0xNzAzMTcyNzY5MzAxMjQ4LTU0ODMxM19fMTcyMzY1MjA0NF81NTU0OCZjYW1wYWlnbl9zdWJfaWRfMT0xNDM3Mzk2YjY2YTYyODhkZjhmNThlMjY4YjRjYTllNC0xNzAzMTcyNzY5MzAxMjQ4LTU0ODMxM19fMTcyMzY1MjA0NF81NTU0OFcDc3BjQgpm9xrG_WZeZEZWUht0cmlzdHJhbWJhbGR3aW44OUBnbWFpbC5jb21YBAAAA04~ Stories we’re reading this week - [No Signs of U.S. Labor Market Deterioration as Job Openings Rebound](~/AAQRxQA~/RgRo4EsaP0RZaHR0cHM6Ly93d3cucmV1dGVycy5jb20vbWFya2V0cy91cy91cy1qb2Itb3BlbmluZ3MtcmVib3VuZC1hdWd1c3QtaGlyaW5nLXNvZnQtMjAyNC0xMC0wMS9XA3NwY0IKZvcaxv1mXmRGVlIbdHJpc3RyYW1iYWxkd2luODlAZ21haWwuY29tWAQAAANO) - [Rich People Really Are Happier Than the Rest of Us: Study](~/AAQRxQA~/RgRo4EsaP0SPaHR0cHM6Ly93d3cua2Fuc2FzY2l0eS5jb20vbW9uZXkvcmljaC1wZW9wbGUtYXJlLWhhcHBpZXItc3R1ZHkvP3hpZD1tY2NsYXRjaHkmdXRtX3NvdXJjZT1tY2NsYXRjaHkmdXRtX21lZGl1bT1yc3Nfc3luZCZ1dG1fY29udGVudD10bXNfaXNzdWUxMDVXA3NwY0IKZvcaxv1mXmRGVlIbdHJpc3RyYW1iYWxkd2luODlAZ21haWwuY29tWAQAAANO) - [Is Palantir Stock a Buy?](~/AAQRxQA~/RgRo4EsaP0RCaHR0cHM6Ly93d3cuZm9vbC5jb20vaW52ZXN0aW5nLzIwMjQvMTAvMDEvaXMtcGFsYW50aXItc3RvY2stYS1idXkvVwNzcGNCCmb3Gsb9Zl5kRlZSG3RyaXN0cmFtYmFsZHdpbjg5QGdtYWlsLmNvbVgEAAADTg~~) - [The Hidden Cost of Using Everyday Bills Like Netflix and Rent to Boost Your Credit Score](~/AAQRxQA~/RgRo4EsaP0ScaHR0cHM6Ly93d3cuY2hhcmxvdHRlb2JzZXJ2ZXIuY29tL21vbmV5L2NyZWRpdC1zY29yZS1ib29zdC1wcm9ncmFtcy1wcml2YWN5Lz94aWQ9bWNjbGF0Y2h5JnV0bV9zb3VyY2U9bWNjbGF0Y2h5JnV0bV9tZWRpdW09cnNzX3N5bmQmdXRtX2NvbnRlbnQ9dG1zX2lzc3VlMTA1VwNzcGNCCmb3Gsb9Zl5kRlZSG3RyaXN0cmFtYmFsZHdpbjg5QGdtYWlsLmNvbVgEAAADTg~~) - [CVS Reportedly Weighing Breakup Seven Years After Acquiring Aetna](~/AAQRxQA~/RgRo4EsaP0RCaHR0cHM6Ly93d3cuYXhpb3MuY29tLzIwMjQvMTAvMDEvY3ZzLWhlYWx0aC1icmVha3VwLWNhcmVtYXJrLWFldG5hVwNzcGNCCmb3Gsb9Zl5kRlZSG3RyaXN0cmFtYmFsZHdpbjg5QGdtYWlsLmNvbVgEAAADTg~~) - [How to Get Financial Planning At No Charge (or Cheap)](~/AAQRxQA~/RgRo4EsaP0SJaHR0cHM6Ly9tb25leS5jb20vaG93LXRvLWdldC1wcm8tYm9uby1maW5hbmNpYWwtcGxhbm5pbmcvP3hpZD1tY2NsYXRjaHkmdXRtX3NvdXJjZT1tY2NsYXRjaHkmdXRtX21lZGl1bT1yc3Nfc3luZCZ1dG1fY29udGVudD10bXNfaXNzdWUxMDVXA3NwY0IKZvcaxv1mXmRGVlIbdHJpc3RyYW1iYWxkd2luODlAZ21haWwuY29tWAQAAANO) - [Missed Nvidia? 10 Other S&P 500 Stocks Will Make You Much Richer](~/AAQRxQA~/RgRo4EsaP0RnaHR0cHM6Ly93d3cuaW52ZXN0b3JzLmNvbS9ldGZzLWFuZC1mdW5kcy9zZWN0b3JzL3NwNTAwLWZvcmdldC1udmlkaWEtb3RoZXItc3RvY2tzLXdpbGwtbWFrZS15b3UtcmljaGVyL1cDc3BjQgpm9xrG_WZeZEZWUht0cmlzdHJhbWJhbGR3aW44OUBnbWFpbC5jb21YBAAAA04~) ~/AAQRxQA~/RgRo4EsaP0RfaHR0cHM6Ly93d3cudGhldmVyZ2UuY29tLzIwMjQvOS8xMS8yNDI0MTM4Ni9mb3JtZXItbmV3cy1jb3JwLWV4ZWN1dGl2ZS1nb29nbGUtZG9qLWFkLXRlY2gtdHJpYWxXA3NwY0IKZvcaxv1mXmRGVlIbdHJpc3RyYW1iYWxkd2luODlAZ21haWwuY29tWAQAAANO The Money Section is written in partnership with Money Research Collective This email was sent to {EMAIL} because you are signed up to receive The Money Section from The Charlotte Observer. 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