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Strategy News
Forbes
4h
204
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Best No Annual Fee Credit Cards Of 2025
- Many of the best no annual fee credit cards offer strong rewards and benefits without charging an annual fee.
- Consider the top card choices that stand out for compelling features, such as introductory 0% APRs and rewards.
- Featured Partner Offer details of Chase Freedom Flex® credit card with $0 annual fee and various cash back rewards.
- Card details include a $200 bonus, 5% cash back in rotating categories, 0% Intro APR for 15 months, and no annual fee.
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Insider
6h
6
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At Mastercard, AI is helping to power fraud-detection systems
- Mastercard is using AI to help detect and prevent credit card fraud.
- The AI technology flags unusual patterns and blocks fraudulent transactions.
- Mastercard's fraud department swiftly disputed a fraudulent transaction reported by a customer.
- The company has been incorporating machine learning algorithms for 10 years to monitor transactions.
- Their AI-powered fraud detection system scans around 160 billion transactions annually.
- The technology reduces false-positive fraud cases significantly.
- AI enables real-time detection of suspicious transactions by identifying patterns impossible for humans to spot at scale.
- Mastercard's Decision Intelligence system assigns risk scores to transactions based on various data points.
- Decision Intelligence Pro assesses user characteristics and behaviors to determine transaction validity.
- AI has limitations, such as the potential for bias based on historical data, according to experts.
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Rockpapershotgun
6h
24
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FTL meets Warhammer 40,000 in tactical space sim Void War
- Void War is a space combat game similar to FTL set in a universe resembling Warhammer 40,000.
- Players steer ancient starships through battles with blood cultists, imperial zealots, and corsairs in a roguelite system map.
- The game offers engaging features like crew management, strategic combat, and encounters with various factions and hazards.
- Void War is set to release on 30th May, offering multiple playable ships, commanders, crew types, weapons, modules, and ship systems.
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Kaspersky
8h
208
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The ransomware landscape in 2025 | Kaspersky official blog
- Ransomware incidents show low quality of decryptors; attackers may not send decryptors or provide inefficient tools.
- Cybercriminals often specialize in encryption, not decryption, leading to slow and faulty decryptors.
- Ransomware attackers engage in repeated attacks, switching between groups and affiliates to continue extortion.
- Legislation is tightening globally to combat ransomware, requiring companies to report incidents promptly.
- Companies face risks and legal consequences for paying ransoms, as it can lead to long-term repercussions.
- Paying ransoms does not guarantee data confidentiality, as data may still be leaked or disclosed.
- Law enforcement actions and evolving laws have changed ransomware landscape, decreasing ransom amounts paid.
- Ransomware groups are now more focused on espionage and mixed motives, complicating victim understanding.
- Paying ransomware operators can worsen the problem; having a response plan in place is crucial for recovery.
- Organizations should prepare detailed response plans and implement monitoring solutions to counter ransomware attacks effectively.
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Forbes
11h
255
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Latest HELOC & Home Equity Loan Rates: May 12, 2025
- Home equity loans and HELOCs allow homeowners to borrow against the value of their homes, with HELOC being a revolving line of credit and home equity loan offering a lump sum fixed-rate option.
- HELOCs come in various amounts, like $100K, $250K, or $500K, catering to different financial needs and allowing homeowners to access funds for projects or investments.
- Different term lengths, such as 5-year, 10-year, 15-year, 20-year, and 30-year, offer options for borrowers with varying repayment preferences and financial goals.
- Home equity represents the portion of the home that the owner possesses, indicating accumulated wealth, and can be utilized through loans, lines of credit, or cash-out refinancing.
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Forbes
11h
3
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Today’s Mortgage Refinance Rates: May 12, 2025 – No Movement On Rates
- Today's mortgage refinance rates on 30-year fixed loans held steady at 6.89%, with 15-year fixed rates at 5.79% and 20-year rates at 6.71%.
- The average APR for a 30-year fixed refinance mortgage is 6.92%, up from 6.9% last week, while the 20-year refinance APR is 6.75%.
- Borrowers with a $100,000 30-year refinance loan at 6.89% would pay approximately $137,554 in total interest over the loan's life.
- Comparatively, the 20-year refinance loan at 6.71% on $100,000 would cost about $82,502 in total interest.
- For a $100,000 15-year refinance at 5.79%, the total interest paid over the term would be around $50,314.
- Jumbo refinance rates increased to 7.26% for 30-year fixed and 6.48% for 15-year fixed, raising the monthly payments correspondingly.
- Refinance rates are slightly higher than purchase rates, and upfront payment of closing costs, buying discount points, and avoiding mortgage insurance can help lower rates.
- When considering refinancing, compare current and new rates, loan balances, and terms to estimate monthly payments and savings.
- Factors like lower interest rates, reduced monthly payments, quicker loan payoff, equity utilization, and eliminating PMI are common reasons for refinancing.
- Forecast suggests minimal mortgage rate movement in the coming months; economic factors like inflation and unemployment can impact rates.
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Forbes
11h
147
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Today’s Top Money Market Account Rates For May 12, 2025 – Rates Hit 4.89%
- The current average money market rate is 0.53%, while the highest rate is up to 4.89%.
- Money market accounts are interest-bearing deposit accounts insured by FDIC for banks and NCUA for credit unions up to $250,000 per depositor.
- Money market accounts offer higher interest rates compared to regular savings accounts, but require higher minimum deposits and balances.
- To open a money market account, compare rates, meet minimum requirements, consider fees and features, submit an application online or at a bank branch, provide necessary information, and make the first deposit.
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Forbes
11h
53
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Mortgage Rates Today: May 12, 2025 – Rates Stay Put
- The current mortgage rate on a 30-year fixed mortgage rose by 0.58% in the last week to 6.82%.
- The APR on a 15-year fixed mortgage climbed 0.05 percentage point during the same period to 5.79%.
- Experts predict that mortgage rates are not expected to drop significantly anytime soon.
- Factors influencing mortgage rates include U.S. Treasury bond yields, Federal Reserve decisions, and global events.
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Forbes
11h
352
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CD Rates Today: May 12, 2025 – Take Home Up To 5.02%
- CD rates as of May 12, 2025, reach up to 5.02% for different terms.
- CDs offer fixed interest rates and require a maturity period, providing better yields than high-yield savings accounts.
- Early withdrawal penalties for CDs can be substantial, ranging from the loss of a year's interest or more for breaking them early.
- Rates for three-month CDs are around 1.3% on average, while six-month CDs offer up to 4.94%.
- For 12-month CDs, the highest interest rate is 5.02%, and for two-year CDs, it is 4.52%.
- Longer-term CDs like three-year and five-year ones offer rates of 4.27% and 4.26% respectively.
- Jumbo CDs, with higher minimum deposit requirements, also provide competitive rates, with a 6-month jumbo CD offering 4.94%.
- Shop around for the best CD rates from various institutions, including traditional banks, credit unions, and digital firms.
- CD accounts require a lump-sum deposit and typically have minimum deposit requirements, with early withdrawal resulting in penalties.
- CDs can offer better interest rates than high-yield savings accounts, but it's essential to understand the trade-offs and penalties involved.
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HRKatha
11h
114
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SAP revises diversity targets; shifts focus to employee well-being
- SAP is revising its diversity and inclusion strategy by dropping its previous goal of 40% women in the workforce.
- The company is now focusing on employee well-being in response to changing legal frameworks, especially in the US and Germany.
- SAP is replacing its diversity metrics with the Business Health Culture Index (BHCI) to measure employee experience and inclusivity beyond demographic targets.
- To embed these values, SAP will consolidate its Diversity & Inclusion office with its Corporate Social Responsibility function into a unit named 'Social Responsibility, Inclusion and Communities.'
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Forbes
11h
147
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High-Yield Savings Account Rates Today: May 12, 2025 – Rates Are Steady
- High-yield savings account rates have remained steady with an opportunity to earn up to 5.84% on savings.
- Traditional savings accounts used to offer low interest rates, but now higher yields are available, especially through online banks and credit unions.
- The average APY for a traditional savings account is currently 0.22%, while high-yield savings accounts offer substantially higher interest rates.
- Factors to consider when choosing a savings account include interest rates, minimum deposit requirements, fees, reputation of the institution, and FDIC or NCUA insurance.
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Insider
11h
197
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HubSpot CEO's schedule includes a personal workday on the weekend to avoid the 'Sunday scaries'
- HubSpot CEO Yamini Rangan utilizes Sundays for deep thinking and preparation for the upcoming week.
- Rangan believes in setting mental limits on Saturdays for rest in order to perform at her peak during weekdays.
- She emphasizes the importance of taking breaks for achieving peak performance, even though her weekdays can be long and filled with meetings.
- Rangan's work schedule includes intense work on Sundays, with a focus on learning, thinking deeply, and writing, while strictly avoiding work tasks on Saturday evenings.
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HRKatha
12h
39
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Swedish work perks leave Indian netizens dreaming of better office life
- An Indian software developer in Sweden highlighted the employee benefits in Swedish workplaces, leading to online attention.
- In Sweden, full-time employees receive 30 days of paid vacation annually, along with personal time off before public holidays.
- Employees enjoy benefits like premium tech gear, wellness allowances, home office setup budgets, monthly food allowances, and subsidized car leases.
- Sweden's work culture emphasizes employee well-being, flexibility, and financial perks, prompting Indian netizens to aspire for similar policies.
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HRKatha
6h
20
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Bhavana Khera is chief marketing officer, Genefied
- Genefied, an IT services and consulting company, has named Bhavana Khera as its new chief marketing officer (CMO) with over 15 years of experience in strategic marketing across different sectors.
- As the CMO, Khera will focus on enhancing Genefied's global brand presence, leading marketing strategy, product marketing, digital campaigns, and customer acquisition.
- Ayush Jhawar, founder & CEO of Genefied, believes that Khera's expertise in marketing strategy will be crucial for the company's growth, especially as they expand into new markets and develop AI products.
- Khera aims to drive a customer-centric marketing approach, refine Genefied's brand identity, launch impactful campaigns, and focus on global brand equity and marketing innovation in the long run.
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HRKatha
9h
142
Image Credit: HRKatha
Vizhinjam Port expansion to double workforce by 2028
- Vizhinjam Port expansion in Kerala aims to double its workforce by 2028 during construction progress.
- The expansion plan includes extending the breakwater, adding two more berths, and increasing cargo-handling capacity.
- The port anticipates handling about five million containers annually by 2028, necessitating additional manpower across various roles.
- Efforts are being made to train and recruit locally from Vizhinjam and Thiruvananthapuram while bridging skill gaps and creating more employment opportunities in the region.
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