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Best Buy Citi Offer: Get $10 Back on $200+


Best Buy Citi Offer: Get $10 Back on $200+

There’s a new Best Buy Citi Offer available on select Citi cards that gives $10 back after spending $200 or more at Best Buy.

The offer is valid in-store and online through October 31, 2026, and can be redeemed up to two times. That means you can earn up to $20 back in total if you make two qualifying $200+ purchases.

For Citi Strata Elite cardholders, this can be even better since you may be able to stack the offer with the card’s Splurge Credit on qualifying Best Buy purchases. Check out the details below.

Offer Details

  • Earn $10 back on a purchase of $200 or more at Best Buy.
  • May be redeemed at Best Buy®, online at BestBuy.com® or on the Best Buy App.
  • Offer expires on October 31, 2026.
  • Find your Citi Merchant Offers here.

Important Terms

  • Limit of one enrolled card and one statement credit per card member.
  • Offer valid in-store and online.
  • Cashback is limited to $10 per transaction and 2 redemption(s) per Offer Cycle.
  • Offer expires October 31 2026.
  • Not valid on Best Buy Gift Card purchases.
  • Not valid on Best Buy® Gift Card purchases.
  • Offer not valid at Best Buy Outlet locations. Excludes Best Buy® Business, Best Buy® partnerships, and Pacific Sales® stores. 

Guru’s Wrap-up

You can take advantage of this offer by simply using your Citi credit cards for eligible transactions. Just make sure you enroll in the offer first, before making a purchase. You can enroll multiple Citi credit cards for this same offer, as long as the offer shows up in that account. The deal gets better for Strata Elite cardholders.

How Saltanat Turabayeva Navigated A Complex Foreign National Loan


Every borrower’s financial picture is different, and sometimes finding the right mortgage solution requires looking beyond traditional lending options.

Mortgage Loan Originator Saltanat Turabayeva recently helped a self-employed professional stock market trader secure financing for an investment property despite a unique income structure and the additional requirements associated with foreign national financing.

A significant portion of the borrower’s income comes from managing and trading accounts for clients overseas. Because this type of income does not fit neatly into traditional employment categories, the lender needed a clearer understanding of how the business operated and generated revenue.

Saltanat worked closely with the borrower to provide the additional information needed to explain the business model. This included demonstrating that the income was generated through professional client account management rather than simply trading the borrower’s personal assets.

Another challenge involved explaining how the borrower attracts new clients without traditional advertising. Saltanat helped establish how the borrower’s business works alongside her spouse’s significant online presence in the trading industry, providing important context around the company’s client acquisition strategy.

Even after addressing the income questions, Saltanat faced another obstacle: finding foreign national financing that would allow the borrower to move forward with 30% down on a substantial loan amount. One available option required 35% down, putting it outside the borrower’s budget.

Rather than settling for a financing structure that didn’t meet her client’s needs, Saltanat continued exploring alternatives and ultimately secured a solution at 70% LTV, allowing the borrower to complete the investment property purchase with the planned 30% down payment.

Facing a complex mortgage scenario or having difficulty finding financing that fits your needs? Contact Saltanat Turabayeva to discuss your options and find a solution designed around your financial situation.

The Networking Mistake That Feels Productive but Quietly Stalls Your Business


Opinions expressed by Entrepreneur contributors are their own.

Key Takeaways

  • Motion isn’t progress. Networking can feel productive, but no introduction will make up for a weak product, poor service or a lack of customer trust.
  • Build first, and the right relationships follow. Doing great work, collaborating well and following through on specific outreach earn the trust that turns contacts into lasting relationships.

Most entrepreneurs spend a lot of time thinking about networking, and it makes sense. Industry events, conferences, panels, coffee meetings and dinners can lead to customers, partners, hires and investors that would never come through a cold channel.

But I think many founders misunderstand what kind of networking actually pays off.

In my view, the best networking is a byproduct of doing excellent work, serving customers well and becoming known for something specific. When that happens, the right relationships tend to find you. Investors reach out because the company is working. Customers refer you because the experience was great. Other operators want to meet you because you’ve built something worth understanding. The strongest networks rarely come from handing out the most business cards. They come from trust earned again and again over time.

The problem with networking before you have traction

Networking can become a distraction, especially early on. It can look like spending time at panels and conferences hoping one meeting will fix the underlying challenge of building the business, while the fundamentals, such as the product, customer experience and follow-up, aren’t where they need to be.

The uncomfortable truth is that no amount of networking will make up for a weak product, inconsistent service or a lack of customer trust. If the product isn’t working, more introductions usually won’t fix it. If customers don’t feel taken care of, more surface-level relationships won’t create a lasting business.

I’ve been there myself. A coffee meeting can feel productive because it creates motion. You had a conversation, made a new contact and maybe got some advice. But motion isn’t progress, and it’s easy to confuse the two when the real work is harder to face.

For a founder, the real work might be talking to customers, improving the product, tightening the business model or making a hard hiring decision. These tasks may not feel as exciting as meeting new people, but they’re usually what make networking work later.

Why founder friendships are different

I don’t want to dismiss relationships altogether. I’ve benefited enormously from a core group of founder friends, and that’s very different from general networking.

These are people who know me, understand my business and have lived through enough of the founder journey that I can be honest with them in ways that are harder with employees, investors or board members. They understand the pressure of making decisions with incomplete information, being responsible for other people’s livelihoods and pushing forward when the answer isn’t obvious. Peers like that challenge your thinking and share what they’ve learned, which is incredibly valuable.

What makes these relationships work is depth, trust and shared context. They aren’t random contacts collected at events. They’re people who have seen how you work, understand what you’re building and have a reason to stay invested in your progress.

How to build the network that actually matters

For some people, that network already exists through school, past companies, former colleagues or years in the same industry. Others have to build it more intentionally.

If you’re an early founder without a real network, I recommend spending time in a high-talent environment before starting your own company. Work at a great startup. Join a team with excellent engineers, operators, salespeople and product thinkers. Learn how strong people work, build trust with them and form relationships based on doing hard things together.

The same principle applies in any industry: the best relationships come from real collaboration and follow-through. Take real estate. The agents with the strongest referral networks usually aren’t the ones at every event. They’re the ones who make the lender’s job easier, communicate well with attorneys and vendors, and protect the client experience when a deal gets stressful. Over time, people remember who made the work smoother and who handled pressure well.

Targeted outreach can work

Targeted outreach still has value when it’s done well. If you reach out to someone a few years ahead of you, in a relevant market, with a specific reason for wanting their perspective, many people will respond. Most founders had help along the way, and there’s a natural instinct to pay it forward when a request feels genuine.

A thoughtful, specific question will usually get a better response than a vague request to “pick your brain.” Someone who studies how another founder built their business and asks about one relevant decision is far more likely to make a real connection than someone sending the same message to 50 people.

Follow-through is what turns that first conversation into something meaningful. When someone asks for advice, acts on it, reports back on what happened and keeps the other person updated, the relationship changes. That’s the kind of networking that works: specific, earned and grounded in action.

The best network is usually a byproduct of doing the work so well that people want to be close to it. Build something strong, serve people well, follow through and become known for a clear standard. The relationships that matter will follow.

Key Takeaways

  • Motion isn’t progress. Networking can feel productive, but no introduction will make up for a weak product, poor service or a lack of customer trust.
  • Build first, and the right relationships follow. Doing great work, collaborating well and following through on specific outreach earn the trust that turns contacts into lasting relationships.

Most entrepreneurs spend a lot of time thinking about networking, and it makes sense. Industry events, conferences, panels, coffee meetings and dinners can lead to customers, partners, hires and investors that would never come through a cold channel.

But I think many founders misunderstand what kind of networking actually pays off.

In my view, the best networking is a byproduct of doing excellent work, serving customers well and becoming known for something specific. When that happens, the right relationships tend to find you. Investors reach out because the company is working. Customers refer you because the experience was great. Other operators want to meet you because you’ve built something worth understanding. The strongest networks rarely come from handing out the most business cards. They come from trust earned again and again over time.

Richard Florida says AI isn’t coming for the creative class: It’s coming for the ‘grind-out jobs’



Predictions that AI will wipe out white-collar work have almost become routine. Microsoft AI CEO Mustafa Suleyman said most professional work could be automated within 18 months. Ford CEO Jim Farley said AI will replace half of all white-collar workers, while Anthropic CEO Dario Amodei spent much of 2025 warning that AI could eliminate half of entry-level white-collar jobs, before softening that talking point this spring.

That’s particularly anxiety-inducing for some creative workers, who have perhaps spent a good portion of their college and young adult lives explaining to their parents that, yes, they would be pursuing what they were pursuing, and yes, there would be a job in that field. A Fortune review of BLS data found three creative sectors (film and sound recording, broadcasting and streaming, and newspaper, magazine, and book publishing) lost roughly 189,000 jobs. Film and sound recording alone fell 27%, by 120,000 jobs between August 2022 and August 2026. Broadcasting and content providers, which include streaming services, lost about 29,000 while publishers shed about 40,000 between 2022 and 2025.

This week, Joseph Politano, who writes the economics newsletter Apricitas Economics, said the country lost more than 200,000 jobs in creative industries over the past four years. He calls it one of the worst stretches for media employment in modern U.S. history, matched only during the 2001 and 2008 recessions. But because there’s no broad recession this time around, he instead notes the losses coincide with the rise of AI tools that can produce novels, images, and music at very low cost, and asks whether this is “the fall of the creative class.”

For the man who coined “the creative class,” not so.

“I’m not sure his numbers are right,” Richard Florida, the urbanist who coined the term in his 2002 book The Rise of the Creative Class, told Fortune. “But I don’t think it’s going to eliminate those jobs. I think it’s going to make certain kinds of creative work more valuable.”

Downtown is for the people

The damage is deepest in film and TV production, where employment peaked at 289,100 in October 2022 and has since fallen by more than a third, according to the BLS. In June, the broader film and sound recording sector fell to 322,300 jobs nationally, its lowest level since 1995 aside from the pandemic. In Los Angeles, shoot days fell from 36,792 in 2022 to 19,694 in 2025, and about 41,000 film and TV workers left the industry between 2022 and 2024, (the 2023 writers’ and actors’ strikes drove part of that decline).

Despite this, employment in performing arts and spectator sports, which depends on people gathering in one place, grew by about 67,000 jobs over the same four years.

Florida says he believes it’s because AI gives cities the chance to do what cities do best. He divides work into three types: manual work, cognitive work, and what he called “social skills, people skills, human skills, entrepreneurial skills.” AI is automating the first two while making the third more valuable. Social skills, he said, cluster in big cities.

“That’s why you’re seeing cities like New York and San Francisco become more important, not less,” Florida said. The AI industry follows the same map: “They’re based in San Francisco. Their application occurs in New York.”

New York’s mix of neighborhoods is part of his case. “Brooklyn and Queens and maybe the Bronx now are some of the few places in the world where the creative class and the service class live together,” Florida said.

Florida, who joined Vanderbilt University this fall to lead its work on the future of cities, said remote work was turning London and New York into “global superstar hubs.” Meanwhile, Hollywood was the other side of that argument: Los Angeles is losing one of the world’s great industry clusters as production scatters.

Florida also revised one of his own early ideas. “I thought that cities could be just Jane Jacobs’ kind of live-work cute neighborhoods,” he said of the famed activist who encouraged people to build community by working, playing, eating, and spending in their neighborhoods. “I completely minimized the importance of entertainment and spectacle in downtowns.” Downtowns now need sports teams and venues because “people are not going downtown to work; they have to go downtown for fun.”

AI will give cities new life

The growth in live events is not reaching every kind of gathering place. The U.S. lost one-fifth of its movie theaters and nearly one-third of its bowling alleys since 2001. These neighborhood third places are becoming too expensive both to operate and to visit, while big-ticket venues draw crowds downtown. That, in turn, is driving away the very community Jacobs advocated for: People are talking to each other less, going out and having fun less, spending more time at home, and as a result, are as unhappy as ever.

Florida said that’s partially due to AI itself. “AI is both an enhancing technology and eliminating technology,” he said. “We don’t know what the net will be, but the net’s better.”

AI will hit parts of the creative class hard, Florida said, especially entry-level work built on brute mental effort: “the grind-out jobs that people work till midnight in a consulting firm or in a financial firm, because AI can do that kind of stuff really efficiently.”

“It changes the role of an accountant or an engineer or an artist. It doesn’t eliminate that job. It makes that job different,” he said. The abilities that gain value are traits of the creative class. “Judgment, taste, originality, imagination, asking the right questions, being able to mobilize people.”

“I don’t think it’ll kill the creative class,” Florida said. “It’ll change the creative class, but in many ways, it’ll also liberate the creative class.”

25% To AirFrance/KLM FlyingBlue (1:1.25)


The Offer

  • You can currently receive a 25% transfer bonus when you transfer American Express Membership Rewards points to AirFrance/KLM FlyingBlue. Normally you can transfer 1,000 MR points and receive 1,000 FlyingBlue points, during this promotion you’ll receive 1,250(1:1.25).

The Fine Print

  • Valid until October 30, 2026

Our Verdict

This is a common transfer bonus, but one we haven’t seen in some time. Normally it’s only for 20%, although last transfer bonus was 25% as well. 

What is Cryptocurrency? (Tagalog Version)



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Disclaimer: This video is for educational and entertainment purposes only and does not constitute financial advice. Investing in cryptocurrency involves high risks and market volatility, with the potential for significant losses. Only invest money you can afford to lose. I am not a financial advisor, and the opinions shared in this video are personal and should not be taken as professional guidance. Always conduct thorough research and seek advice from a qualified financial professional before making any investment decisions. Your investments are your responsibility, and I am not liable for any losses or damages resulting from actions based on this content.

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Now AI Can Pass the CFA Exam. Can it Replace Investment Analysis?



Now AI Can Pass the CFA Exam. Can it Replace Investment Analysis?

McDonald’s Is Using AI for Something More Interesting Than Replacing Workers



Archy could eventually save at least 50 labor hours per week at a typical restaurant.

This ETF Has Quietly Become One of the Best Ways to Invest in Artificial Intelligence


While there are legitimate concerns that the artificial intelligence (AI) trade is getting exhausted, I think there’s still room for it to go higher.

Companies continue to commit billions of dollars to their development and are seeing big returns on their investments so far. Goldman Sachs expects total AI spending to hit $1 trillion in 2026, with roughly 60% of that in the United States.

This suggests the AI investment cycle is far from finished. We’ve seen leadership within this trade cycle from hyperscalers to semiconductors to memory providers to cybersecurity. The next phase probably won’t involve trying to pick the next winning theme. It could simply be exposure to the theme as a whole.

That’s why I believe the Global X Artificial Intelligence & Technology ETF (AIQ +0.78%) is the best way to invest in AI right now.

Image source: Getty Images.

AIQ doesn’t lean heavily into the familiar megacaps

If you look at a lot of exchange-traded funds (ETFs) invested in AI stocks, they look familiar. They usually have some combination of Nvidia, Micron Technology, and Advanced Micro Devices among their top five holdings, if not their top three.

Those three stocks have unquestionably been big winners in the AI trade. But they’re also all semiconductor manufacturers. Owning an ETF with big allocations to these names concentrates you in just one segment of this space. I don’t think that’s the right way to approach this sector right now.

The Global X Artificial Intelligence & Technology ETF only has Advanced Micro Devices among its top 10 holdings, and even then, it’s just 3% of the portfolio. The fund holds 88 stocks, but it has just 33% of its assets in its top 10 holdings, one of the lowest levels you’ll find among AI ETFs.

This ETF invests much more broadly across this trade, including AI, big data, software, cloud computing, and hardware stocks. That enables it to invest in the theme without making concentrated bets. If you believe that AI stocks will continue rising over time, the Global X Artificial Intelligence & Technology ETF might be the best way to play it.

Global X Funds - Global X Artificial Intelligence & Technology ETF Stock Quote

Global X Funds – Global X Artificial Intelligence & Technology ETF

Today’s Change

(0.78%) $0.51

Current Price

$65.67

The AI trade isn’t finished

Even if AI spending slows down, AI adoption isn’t likely to. Companies will continue shifting their operations toward software and applications, and that alone could keep revenue and earnings growth rates looking robust.

I don’t think investors are too late to invest in AI stocks. If they assume the next five years will look like the past three, they probably are. But AI is a theme that will continue to evolve for years. There’s still time to get on board.

David Dierking has no position in any of the stocks mentioned. The Motley Fool has positions in and recommends Advanced Micro Devices, Goldman Sachs Group, Micron Technology, and Nvidia. The Motley Fool has a disclosure policy.

Pulte’s FHFA to ease credit data rule for Fannie, Freddie



The Federal Housing Finance Agency is planning to direct Fannie Mae and Freddie Mac within weeks to require lenders to pull credit data from two major credit reporting bureaus instead of three, according to a person familiar with the plans. 

Processing Content

The new requirement could be announced by FHFA Director Bill Pulte as soon as Oct. 12, when he is scheduled to speak at a mortgage industry conference in Chicago, according to the person. 

Three companies – Equifax Inc., Experian Plc and TransUnion – dominate the credit reporting industry, and loans sold to Fannie and Freddie are currently required to include a credit report combining financial data from all three, known as a tri-merge report.

READ MORE: GSEs, Rocket give lenders new reasons to adopt VantageScore

Pulte has repeatedly called on the credit bureaus and FICO to cut fees in a bid to bring down loan closing costs, as the Trump administration tries to get a handle on the housing affordability crunch posed by high home prices and rising mortgage rates. Pulte said the agency was “seriously considering bi-merge” in a social media post Sept. 3.

TransUnion shares fell 4.7% and Equifax dropped 5.9% at 4:56 p.m. during after-hours trading in New York on Thursday.

Officials at FHFA didn’t immediately respond to a request for comment. 

The agency initially announced plans to shift to a bi-merge report during the Biden administration, but the move was delayed amid concerns about accurately pricing risk in the mortgage market.

READ MORE: Pulte nears LLPA fee tweaks as GSE margin shifts loom

“We encourage you to abandon plans to transition from a tri-merge to the bi-merge credit report,” eight Senate Banking Committee Republicans wrote in a letter to then-FHFA Director Sandra Thompson in October 2023. “We cannot afford a reduction in the accuracy and predictive power of data provided to the taxpayer-backed Enterprises with no meaningful benefits for consumers.”

The new requirement will likely take effect within one to three months of its announcement, according to the person familiar. 

The blow to the three major credit reporting companies comes after Pulte blessed the use of credit scores by VantageScore, a joint venture of the bureaus.

In a move that could bring more low-income borrowers into the housing market, Pulte earlier this week announced that Fannie and Freddie would use one pricing grid that treats VantageScore 4.0 scores as equivalent to Classic FICO scores. That would require nixing the grids the government-sponsored enterprises had released three weeks earlier, which treated VantageScore scores as overstating a borrower’s creditworthiness by about 20 points relative to FICO. 

OPINION: Pulte’s VantageScore push misses the real fix: tri-merge

Fannie and Freddie, the government-controlled companies underpinning the mortgage market, buy loans and wrap them into securities to sell to investors. They use pricing grids to set upfront fees on the mortgages they acquire.