21 Nov 2019

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Apple cancels premiere of film 'The Banker' after unspecified 'concerns'

Apple cancels premiere of film 'The Banker' after unspecified 'concerns'Apple Inc has canceled the world premiere of movie "The Banker," one of its first original films, as it investigates unspecified concerns surrounding the period drama, the company said on Wednesday. "The Banker" was supposed to debut on Thursday in Hollywood at the American Film Institute's AFI Fest. "We purchased 'The Banker' earlier this year as we were moved by the film's entertaining and educational story about social change and financial literacy," Apple said in a statement.

21 Nov 2019 1:48am GMT

20 Nov 2019

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Booking Holdings and Expedia in Arms Race to Deliver the Connected Trip

Booking Holdings and Expedia in Arms Race to Deliver the Connected TripHigh-stake online travel agency competition used to merely revolve around how many tens of thousands of hotels, or homes and apartments each company added to its ranks during the previous quarter, and those milestones are still very much in play. But lately a new and somewhat more esoteric flashpoint has emerged, namely the connected trip. […]

20 Nov 2019 11:20pm GMT

Pentagon Fails Audit – Again

Pentagon Fails Audit – AgainThe second audit of the Department of Defense ended the same way as the first one: with a failing grade.The fiscal 2019 audit examined more than $2.9 trillion in assets and $2.8 trillion in liabilities, the Pentagon said. The process involved about 1,400 auditors conducting 600 site visits, at a cost of nearly $1 billion.The Pentagon comptroller, Elaine McCusker, said defense officials knew they would fail the audit this year, and expect to do so for years to come. Nevertheless, McCusker said this year's result was an improvement over last year, with the department closing more than 550 of the 2,300 issues found in the 2018 audit."We made progress in our priority areas while focusing on the importance of sustainable solutions," McCusker said. "But as expected, we will receive an overall disclaimer again this year," she added, referring to the negative result. The Pentagon's acting inspector general, Glenn Fine, said the department has clearly improved its performance, but much work still needs to be done. "The Department of Defense still has a long way to go before it will be able to obtain a clean opinion," Fine said in a statement.Din into the 2019 Department of Defense audit report here.Like what you're reading? Sign up for our free newsletter.

20 Nov 2019 11:13pm GMT

UPDATE 1-Intel says chip supply for personal computers remains tight

UPDATE 1-Intel says chip supply for personal computers remains tightIntel Corp said on Wednesday it was increasing its reliance on contract chip manufacturers to ramp up supply of chips used in personal computers as the company struggles with shipment delays amid higher demand. Intel said supply remained "extremely tight" even though it has expanded its manufacturing capacity and increased second-half PC chip supply by double digits compared with the first half. Intel had said in October that demand in the PC business was outstripping its ability to add capacity and it was considering outside chip makers.

20 Nov 2019 10:44pm GMT

Trump considering whether Apple should be exempt from China tariffs

Trump considering whether Apple should be exempt from China tariffsPresident Donald Trump said on Wednesday after touring a plant that assembles Apple Inc computers that he was considering whether to exempt the U.S. company from tariffs on imports from China. "We're looking at that," Trump said in answer to a reporter's question about the tariffs, after touring a plant in Austin, Texas, with Apple Chief Executive Tim Cook that assembles the company's Mac Pro desktop computers. Cook, who has a strong relationship with Trump, has sought relief for Apple from the U.S. tariffs, which are part of a months-long tit-for-tat trade war between the world's largest economies.

20 Nov 2019 10:24pm GMT

Trump, Tim Cook tour Apple factory in Austin

Trump, Tim Cook tour Apple factory in AustinWhile DC was rocked earlier today with Ambassador Sondland's testimony during the impeachment hearings, Trump took the escape hatch out to Austin, Texas to visit Apple's manufacturing plant and meet with Apple CEO Tim Cook.

20 Nov 2019 9:54pm GMT

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Trade ripples disturb the equity waters

Mike Mackenzie's daily analysis of what's moving global markets

20 Nov 2019 9:31pm GMT

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PayPal CEO speaks out over Libra split

PayPal CEO speaks out over Libra splitIn an article published by Fortune earlier today, PayPal CEO Dan Schulman shared his reasons for leaving Facebook's Libra project, and also revealed which cryptocurrency he's invested in. In June, PayPal originally indicated that it would become part of the Libra Association - the consortium of large companies that would work alongside Facebook on the Libra project. However, PayPal left the association in October to focus on its own projects, followed quickly by Mastercard and Visa. Since its announcement, Libra has faced growing regulatory pressures and widespread criticism from lawmakers, especially in the EU, who have described the project as "dangerous to the monetary system". PayPal CEO speaks out Polina Marinova, interviewing PayPal CEO Dan Schulman for Fortune, pressed forThe post PayPal CEO speaks out over Libra split appeared first on Coin Rivet.

20 Nov 2019 9:00pm GMT

Charity to pay $4 million to resolve U.S. pharma kickback probe

Charity to pay $4 million to resolve U.S. pharma kickback probeA Florida-based charity will pay $4 million to resolve claims that it acted as a conduit for companies including Biogen Inc and Novartis AG to pay kickbacks to Medicare patients using their high-priced multiple sclerosis drugs, the U.S. Justice Department said on Wednesday. The settlement with the patient assistance charity The Assistance Fund marked the third so far with a foundation linked to an industry-wide probe that has resulted in $850 million in settlements with drugmakers and charities. TAF like the other foundations provide assistance to patients seeking to pay out-of-pocket costs for medications and says that since 2009 it has provided assistance to 78,000 people.

20 Nov 2019 8:32pm GMT

UPDATE 2-Alitalia rescue plan hits the skids, Delta still interested in 10%

UPDATE 2-Alitalia rescue plan hits the skids, Delta still interested in 10%An Alitalia rescue plan ran into trouble on Wednesday when its main sponsor, railway group Ferrovie dello Stato, said conditions were not in place to set up an investor consortium to save the struggling Italian carrier. Alitalia, which has been run by administrators since May 2017, is burning through cash reserves and is expected to run out of money at the end of this year. Ferrovie's comments came a day after infrastructure group Atlantia, touted to be one of the key potential investors in Alitalia together with a foreign airline, said it was not ready to join a consortium.

20 Nov 2019 7:43pm GMT

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US grants Huawei exemptions to cushion export ban

Moves comes as Trump administration struggles to reach truce in trade war

20 Nov 2019 7:33pm GMT

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What will it take for a Litecoin bull run in 2020?

What will it take for a Litecoin bull run in 2020?With the new year just around the corner, cryptocurrency investors and traders are getting ready for what the markets might have in store in 2020. Hopefully, with a brand new year comes brand new blood to fuel the next big crypto bull run. According to key cryptocurrency analysts such as Mati Greenspan, Alessio Rastani, Trace Mayers, and PlanB, there's a high probability of a Bitcoin bull run sometime within the next 12 to 18 months. Funnily enough, some economists are predicting an economic recession during the same period. Will that be the final catalyst for a massive cryptocurrency bull market? If so, will altcoins such as Litecoin enjoy some huge gains? Let's take a look. Bitcoin price prediction The aboveThe post What will it take for a Litecoin bull run in 2020? appeared first on Coin Rivet.

20 Nov 2019 7:00pm GMT

UPDATE 4-Ex-CEO of Brazil's Braskem arrested on U.S. corruption charges

UPDATE 4-Ex-CEO of Brazil's Braskem arrested on U.S. corruption chargesThe former chief executive of Brazilian petrochemical company Braskem SA was arrested on Wednesday in New York on charges that he took part in a scheme to pay millions of dollars in bribes to officials to secure government contracts. Jose Carlos Grubisich was charged with conspiracy to violate a U.S. foreign corruption law and with a money laundering conspiracy in a newly unsealed indictment in federal court in Brooklyn. Grubisich was arrested Wednesday morning at New York's John F. Kennedy Airport and entered a plea of not guilty in federal court in the afternoon, according to John Marzulli, a spokesman for the office of U.S. Attorney Richard Donoghue.

20 Nov 2019 6:33pm GMT

UPDATE 2-Alnylam's rare genetic disorder drug priced at $575,000 per year

UPDATE 2-Alnylam's rare genetic disorder drug priced at $575,000 per yearAlnylam Pharmaceuticals Inc priced its gene silencing drug to treat patients with a rare genetic disorder that can cause severe pain at $575,000 per year after receiving an early U.S. approval on Wednesday. The drug, Givlaari, uses a Nobel Prize-winning mechanism known as RNA interference to target and "silence" specific genetic material and is the second such drug to be approved http://bit.ly/37oqz9Z by the U.S. Food and Drug Administration. The injection, which is dosed based on patient weight, will be available after discounts at $442,000 per year and is approved for acute hepatic porphyria (AHP), a rare disorder that can lead to severe pain and paralysis, respiratory failure and seizures.

20 Nov 2019 6:22pm GMT

Boeing 747 Nears End of the Line as Storied Factory Shuts Down

Boeing 747 Nears End of the Line as Storied Factory Shuts Down(Bloomberg) -- The Southern California factory that has churned out fuselages for every Boeing Co. 747 jumbo jetliner is being sold for parts, potentially hastening the demise of the iconic aircraft.Triumph Group Inc., the largest supplier to the 747-8 program, is starting to clear out a storied plant with an online auction of manufacturing gear that begins Wednesday afternoon. Located on Jack Northrop Avenue in Hawthorne, the factory was commissioned to build frames for the hump-backed aircraft after Pan American World Airways placed the initial order in 1966.Barring a surprise sales bonanza of freighters, Triumph's decision to wind down work on the 747 after years of losses will force Boeing to consider pulling the plug on its most recognizable jet. While it has enough orders to continue building jumbos for now, the cash-strapped aerospace giant will eventually face a tough call: whether to invest in making fuselages, aluminum skins and other parts itself -- or finally end 747 output after half a century.On the block at the Triumph plant is everything from band saws for as little as $5 to an automated press used to punch rivets into curved fuselage sections. Bidding for that starts at $100,000, according to RAAR Group USA Inc, which is handling the liquidation sale.Production DecisionsIf the Hawthorne factory closing marks the beginning of the end for the aircraft dubbed the "Queen of the Skies," Boeing isn't saying. The Chicago-based planemaker earlier explored plans to take over manufacturing of the 172-foot-long fuselage sections, then scrapped the idea in 2016 amid tepid sales."We are continuing to build 747-8s to meet the backlog of orders for the airplane and will continue to make the right decisions to keep the production line healthy," Boeing spokesman Paul Bergman said in an email. "With production slots filled for the next several years, we are working closely with our suppliers to deliver on our customer commitments."The jumbo opened international travel to the mass consumer market when it was introduced in 1970, but four-engine jets have fallen from favor as airlines switched to more efficient twin-engine models such as the Boeing 777 and Airbus SE's A350. A freighter version has greater appeal since a hinged nose flips up to allow cargo haulers to front-load bulky loads like oil-drilling equipment.Unfilled OrdersBoeing has just 18 unfilled orders in its backlog -- most of them bound for United Parcel Service Inc. -- and failed to win any 747 sales this year as trade tensions sapped demand for air cargo. Still, the orders are the equivalent of three years of production, buying time for the U.S. manufacturer in case the market revives.Triumph is working ahead to provide fuselages for those remaining aircraft, Bergman said. Along with the Hawthorne plant, which is slated to close in December, the supplier will also shutter a Dallas-area factory over the next year or so that makes tail sections, floor beams and other parts.The 747 can't be written off just yet, said Stephen Perry, an investment banker who specializes in aerospace and defense deals. Boeing's mid-sized 767, once on life support, has enjoyed a miraculous recovery as a freighter thanks in part to a large military contract and sales to UPS and FedEx Corp."If there's demand, they will find a new home for it," Perry, managing director with Janes Capital Partners, said of the fuselage-panel manufacturing. "If there isn't, the 747 will quietly disappear."To contact the reporter on this story: Julie Johnsson in Chicago at jjohnsson@bloomberg.netTo contact the editors responsible for this story: Brendan Case at bcase4@bloomberg.net, Susan WarrenFor more articles like this, please visit us at bloomberg.com©2019 Bloomberg L.P.

20 Nov 2019 6:21pm GMT

Tesla needs safeguards to prevent drivers from sleeping on 'Autopilot' -U.S. senator

Tesla needs safeguards to prevent drivers from sleeping on 'Autopilot' -U.S. senatorDemocratic U.S. Senator Ed Markey asked Tesla Inc on Wednesday to disable its "Autopilot" driver-assistance system until it installs new safeguards to prevent drivers from evading system limits that could let them fall asleep. Markey cited a local news report that said a driver had fallen asleep behind the wheel as a Tesla drove 14 miles on Autopilot. Other unconfirmed videos on social media appear to show drivers sleeping behind the wheel of Tesla vehicles.

20 Nov 2019 6:03pm GMT

California Drilling Ban Is Fueled By Indifference

California Drilling Ban Is Fueled By Indifference(Bloomberg Opinion) -- It would be understandable if your first reaction to news that California's governor has slapped restrictions on fracking was: They frack in California?California actually ranks seventh in terms of state oil output, just behind Alaska.(1) Yet California is usually noted more for its thirst for the stuff, with its legions of drivers consuming more gasoline than in any other state. In terms of production, you're more likely to associate California with barrels of Cabernet than crude.Which goes a long way to explaining why Governor Gavin Newsom made his move.Newsom hasn't banned fracking in California - indeed, he says he isn't empowered to do that unilaterally. Rather, in response to oil spills in Kern County, he has ordered regulators to assess the safety of a different technique for stimulating wells, called cyclic steam-flooding, use of which has surged in California. However, he has also taken the opportunity to order that new permits for fracking be subject to scientific review and that the whole permitting process undergo an audit by the state's Department of Finance.Phrases like "subject to review" and "undergo an audit" are most unwelcome in the planning departments of oil producers. Few things undercut the value of a project quite like time or uncertainty. So anything that delays drilling outright or puts enough doubt in the mind of the operator (or their financiers) about the viability of doing so effectively does one thing: raise the cost of capital. Exhibit A is what Newsom's announcement on Tuesday did to the stock of California Resources Corp.:California Resources rushed out a statement saying it doesn't rely on cyclic steam-flooding and that less than a tenth of its wells used any sort of stimulation techniques in recent years. But that's the thing about doubt and the sense that the governor of your titular state really just isn't fond of oil and gas production: It persuades investors to shoot first and (maybe) dig into the details later. (It doesn't help that California Resources sports leverage of 3.7 times Ebitda, but still.)There's a similar dynamic at play in Colorado. Last November, the state's voters rejected a ballot measure that, again, wouldn't have banned fracking outright but would have instituted minimum distances between buildings and wells that would have severely curtailed fracking anyway. Yet even though proposition 112 failed to pass, the state announced last month it would impose additional scrutiny on wells drilled within 2,000 feet of homes anyway, in response to a study finding heightened risk of benzene exposure within that distance. Hence, stocks of Colorado-exposed drillers remain under pressure:California and Colorado are relative anomalies among America's top oil-producing states. Both, unusually for such states, either tilt Democratic or lean outright. Moreover, and perhaps linked to that, their diversified economies mean they may be relatively big producers but aren't what you would call resource states:Citing that same data from his firm, Kevin Book of ClearView Energy Partners sums up Tuesday's announcement in the context of its impact on California's oil and gas production like this: "Newsom. Simply. Doesn't. Care." Curbing drilling in California should, all else equal, raise the cost of oil and, thereby, the state's already famously high pump prices. Still, as I wrote here in the run-up to last year's midterms, despite high prices and those clogged freeways, the burden of gasoline as measured against average income in California is relatively low. It's also worth remembering that Kern County voted 59% for Newsom's opponent and, above all, accounted for less than 2% of statewide ballots. Politically speaking, Newsom may be obeying the law of small numbers here.California and Colorado may be relative oddities in the club of fossil-fuel states. But the tensions on display there between resource producers and their opponents intersect with wider forces acting on the energy industry.One is the fragmentation of policies at more localized levels in the face of federal efforts to block or roll back measures to address climate change. California's battle with President Donald Trump (and several large automakers) over fuel-economy standards is another prominent example of this.Plus, in California and Colorado, we can see intimations of how America's division between urban and rural voters affects energy and climate policy. Colorado's disputes arise in part because fracking there is running into urban expansion in one of the fastest-growing populations in the country. This dynamic is worth watching in other states where the fracking boom has revived production relatively close to large population centers, such as Pennsylvania and Ohio.Above all, Newsom's decision can be viewed as another example of tactics aimed not at outright bans of fossil-fuel production, but the imposition of measures or delays that upend the economics of the business. Battles against key pipelines can be viewed through this prism, too.One of the results of several decades of ignoring or obfuscating the costs of climate change is that the measures proposed to address it have become more interventionist in direct proportion to the increasing urgency of the issue. Calls for market-based solutions such as carbon taxes have increased in volume. But they now face real competition from demands for things like outright bans on fracking or phasing out internal combustion engines.Disasters such as California's wildfires show the costs of ignoring climate change will show up in disruptive ways. Similarly, having helped stymie a broader, coordinated approach to climate change, the energy business should brace for more disjointed disruption on the policy front.(1) Based on trailing 12-month state oil production data through August 2019 (source: Energy Information Administration).To contact the author of this story: Liam Denning at ldenning1@bloomberg.netTo contact the editor responsible for this story: Mark Gongloff at mgongloff1@bloomberg.netThis column does not necessarily reflect the opinion of the editorial board or Bloomberg LP and its owners.Liam Denning is a Bloomberg Opinion columnist covering energy, mining and commodities. He previously was editor of the Wall Street Journal's Heard on the Street column and wrote for the Financial Times' Lex column. He was also an investment banker.For more articles like this, please visit us at bloomberg.com/opinion©2019 Bloomberg L.P.

20 Nov 2019 5:30pm GMT

A Week In Washington D.C., On A $105,400 Salary

A Week In Washington D.C., On A $105,400 SalaryWelcome to Money Diaries, where we're tackling what might be the last taboo facing modern working women: money. We're asking millennials how they spend their hard-earned money during a seven-day period - and we're tracking every last dollar.Today: a federal employee who makes $105,400 per year and spends some of her money this week on Caudalie SOS Serum.Occupation: Federal Employee Industry: Government Age: 31 Location: Washington D.C. Salary: $105,400 Paycheck Amount (Every two weeks): $2,854.01 (after taxes; retirement, health insurance, FSA, and life insurance taken out) Gender Identity: WomanMonthly Expenses Rent: $670 for my room in a two-bed, two-and-a-half-bath townhouse in suburbia lite (includes utilities), I have two roommates) Student Loans: $415 Other Loans: $805 (Car loan and a few others) Parking: $40 Electric: $20 - $75 Cable /Internet: $35 Entertainment/Streaming Subscriptions: $83 (Hulu & Netflix, Apple, AMC, etc.) Insurance: $120 (Renters, Car and Personal Property) Cell Phone: $123 (I pay for my parents' phone) Family Expenses: $150 (I help out my family monthly with small items) Savings: $300 Day One8:35 a.m. - I forgot to set my alarm. I would usually work from home today, but I have to go in for a training. I hurry out of bed and contemplate a shower. I decide to shower but not wash my hair. My poor hair, being subjected to another bun, but at least I will accessorize with a fashionable headband. I don't eat breakfast as I'm running out of my house.9:30 a.m. - Make it to work and make my meeting on time but just barely. Had to drive because I couldn't take the metro (not that I would anyway with this construction). The lot near my building is only $11 all day, a lifesaver. $1111:45 a.m. - Meeting is finally over. I head downstairs with B., my coworker, to grab lunch at a café and meet up with our other friends, T. and V., for lunch. I buy an Earl Gray latte to feed my soul, my usual turkey wrap, and an iced tea I'll eventually drink later. It looks like T. and V. brought lunch. I'm always jealous of people planning ahead. I need to get back into doing the same. $166 p.m. - Work is over and time to drive back home. I offer my friend a ride as she lives near me. We chat about the weekend and she mentions she saw the sparking watermelon juice I've been dying to try at her Trader Joe's. My own TJ's had none in stock when I went. I drop her off and go to her TJ's. I pick up two packs of sparkling watermelon juice, a pack of sparkling coconut juice with yuzu, apricots, cherries, two cans of cold brew with coconut milk that I've seen on Insta, and chocolate-covered strawberries and bananas (a clutch snack that is perfect for this weather). Oh, and langostino lobster tails because I feel fancy. $4610:55 p.m. - In bed scrolling through Insta and see a bag I like. I find it on the internet and they're having a sale! I buy two because I have no self-control and if I hate them I'll either return or give away, $75 for both with an insta coupon. As I check out I see an email about a free gift from Bumble and Bumble at Ulta. I decide that I DO need more moisturizer and serum as I'm running low. I make an impromptu Ulta purchase because WHY NOT. I really wish they had Fresh and Caudalie on Ulta as they're my preferred serum and face wash. I head over to Sephora and buy more things I don't need but want ($86.92). I get the new Fresh sugar strawberry exfoliating face wash I saw online and my Caudalie SOS serum I live for, which I ALWAYS buy in the "gift pack." It's the same price as the serum alone but you get two extras, this time it's a travel size hydro mask and moisturizing sorbet, which will come in handy during my travels. $306.61Daily Total: $379.61 Day Two8:55 a.m. - Well rested and ready for the day. I work from home today. I get up, brush my teeth, and do my morning routine (face wash, toner, serum, AM under eye gel, gel face moisturizer). I brush my hair and throw on leggings and a top, make my bed, and head downstairs. Get settled in and fire up my laptop.11 a.m. - I start to get those tummy hunger rumbles. I grab my kalamata olive hummus and eat it straight from the container. It should hopefully tide me over until lunch. It's finally lunchtime and I eat my leftover langostino fried rice I made last night. Still delicious and tasty. I open up a sparkling coconut water because the watermelon ones are precious. 6 p.m. - Finally "off" work and wondering what I want to eat. I fight the urge to head to my local CAVA, which is the Mediterranean version of Chipotle. I eat leftovers instead. I have chicken tenders I bought on Sunday and eat that. I'm nothing if not a creature of habit. Love Island USA is on, so I watch that until I go to bed at 2 a.m.Daily Total: $0 Day Three8:20 a.m. - Made it to work on time and pay for parking under my building, it's only $9 because it's before 8:30. I park and head upstairs to the café and grab my usual Earl Grey latte and a sausage, egg, and cheese on a croissant. I know what I like and I will consume it until I hate it. Comes to my usual $9.69 for breakfast. $18.6911 a.m. - This day is dragging and I blame the fact that I went to bed so late. I head back down to get another latte. I try to limit my caffeine intake to one a day but today I need it. Even the café owner seems shocked I'm back for round two. Since I'm down here I order lunch for later as well. $5.6512 p.m. - Lunchtime! V. and I are grabbing lunch from the cafe and I thankfully preordered so no wait for me. I don't get my normal iced tea with my wrap so it's a bit less than normal. V. and I chat about nothing and just laugh and have a great lunch. It's always great to surround yourself with people you truly love being around. $7.616:05 p.m. - Traffic on my route home was particularly terrible; I have a theory that D.C. traffic is the worst on Wednesdays because it's the only day everyone in the DMV (D.C./Maryland/Virginia) comes into work. But who really knows? I stop to get gas and wash my car. $3911:45 p.m. - In bed and scrolling through Insta. I check my Robin Hood app and see I made $8. I think I'll buy more shares of Snap just so I can sell in a few days to buy Texas Instruments stock. The Wall Street Journal said they were having a good run this year. I end up putting $150 into my account to buy eight more shares of Snap. I'm hoping it was a good idea. Okay now I can sleep. I play an ASMR video on YouTube and hope to be out soon. $150Daily Total: $220.95 Day Four8:22 a.m. - Traffic today was more miserable than usual. I get to work just in time to park ($9) and pick up my usual from the cafe ($9.69). $18.6912:34 p.m. - I meet up with B. and V. for lunch. They're going to a place near our office and ask if I want to join. I really want to be anti-social and say no and stick to my usual, but I say yes and we make our way there. I opt for a poke bowl with brown rice, tuna, crab salad, avocado, mandarin oranges, corn, and edamame. I really want the ponzu sauce but the guy says it's spicy so I pass and get sesame dressing and oil. I peruse the aisles and grab mangos that are 20% off and my favorite iced tea. $20.586:35 p.m. - Before I leave work I get an email from Panera Bread saying my coupon will expire today. So what do I do? I go to Panera. I park and sit in my car after I order for about 10 more minutes before going inside as I scroll through my Robin Hood app. Inside my strawberry poppyseed chicken salad isn't ready yet so I do what any normal person does and buy a cinnamon roll. It should be great in the morning with my coffee. I head home and watch TV and chill the rest of the night. $11.65Daily Total: $50.92 Day Five7:35 a.m. - This week has dragged y'all. I wake up at a reasonable hour. Morning routine and head out the door. I'm not actually driving today so I need to make an effort to leave on time. I'm taking a Lyft into work today because there is NO WAY that I'll make it on time if I take the metro. Ugh, I hate this town and its expensive AF rides. Whatever. $198:05 a.m. - I make it earlier than expected so at least I have time to grab breakfast. I go to the cafe downstairs of the building I'm at and order my normal latte and an omelet. The poor boy doesn't have any clue how to make a tea latte. I talk him through it and it's not the best latte on the planet but it'll do the trick. I get my omelet and latte and head back upstairs. Another fun filled training day. $6.7112 p.m. - LUNCHTIME IS HERE. I go to a Peruvian place by my office for lunch. I pre-order because I've been burned by the line at this place before. It's pretty popular during the lunch rush because it's delicious. I get the lomo saltado with plantains and some Inca kola. $17.915 p.m. - Ya girl's actually taking the metro home! I hate the metro only because it takes forever but I can't afford the ridiculously priced Uber home. The government pays for the metro pass so it's a nice perk if I ever use it. Two buses, one train, and some walking later, I'm finally home. I get a text from F., a friend from grad school. He just moved into town and wants to see if I'm free for dinner and drinks. I tell him sure and get ready to meet him. We end up getting tacos and margaritas and catching up. I haven't seen F. in about three years. It's good to see him doing so well. As much as I complain about my lack of social life, I do have a pretty robust group of friends I can rely on. 9:30 p.m. - I get home after a fun night out. I need to get out more. I get down on myself sometimes because of my depression but I try not to let it hinder my life. I try to beat the sadness by putting myself out there instead of taking medication. I'm an introverted extrovert. Going out was fine, but alas, I missed Love Island. I go up to my room get ready for bed, and fall asleep. Daily Total: $43.62 Day Six7 a.m. - I love when I wake up early on my days off. I feel well rested and ready for the day! I do my morning routine, take a shower, and get ready for the day. I make myself a latte from my Nespresso, which always hits the spot in the morning. There isn't any morning update from NPR so I'll just catch up on Love Island from last night. Why am I crying? The overly dramatic swells of music are really hitting me this morning. My roommate, Z., calls to gab about his week on his way to doing overtime for work. We discuss our upcoming trip in October. I wasn't looking forward to it but now I'm excited the closer it's getting. I completely forgot today was payday! YES. I love payday, but who doesn't. It also means that the beginning of the month is eminent and paying bills is on the horizon again.12:34 p.m. - I go to lunch with my friend, D. She wants to meet at CAVA and I have zero complaints. It's one of my favorite places. It's just a short walk for me. I get a lamb bowl and a drink. $132 p.m. - After lunch, we decide to go get our nails done. It's always fun to get out of the house. Plus my nails are in desperate need of TLC. I get a mani/pedi, but no polish. I'm going on a work trip and it's always hard to get my nails done. Plus I've really enjoyed the "clean" look for my nails these past few months. $705 p.m. - Finally home from my outing. I say it a lot but I have to remind myself that it is nice to get out of the house. To socialize and be with others (even if you spend money). I eat some leftovers and figure out what I'm going to take on my trip. I'm bad at pre-packing. I feel like I do it so often that I can pack my life away in an hour. I spend the rest of the evening hanging out on Insta and watching TV.Daily Total: $83 Day Seven9 a.m. - Leisurely start to my morning. I do my regular routines. Today is a lazy day. I have a few errands to run and I'm only excited to do them because I'm a sucker for a mall pretzel. 1:20 p.m. - I head to the mall. I'm not a huge fan, there's a ton of people. Plus, online shopping is preferred. I spend $3 on parking. I go to Sephora (I know). I pick up a few things that I'll run out of while I'm traveling. $88.862 p.m. - Finally pretzel time! I get the little pretzel wrapped hot dogs and a cherry lemonade. The woman serving me gives me an extra squirt of cherry flavoring, that saint. I do enjoy sitting and people watching. Am I the only one that creates stories for the people you see? My own way to pass the time while I'm enjoying my food. $83:40 p.m. - Next stop is Ulta (again, I know). I need to return some things that I didn't like. That 72-hour surge lotion was terrible. It flaked. The sample is always so good. Who knows. I already bought a replacement at Sephora. I grab a new hairbrush and some dry shampoo/conditioner while I'm here. I go through it so quickly. After the refund and the new items, I spend about $30 more dollars. $31.805 p.m. - Home after a long day out. I love being at home. Call me a homebody, but being on the road for work so often, all I want when I am home is to be in my apartment. I spend the rest of the evening enjoying my peaceful little home.Daily Total: $128.66Money Diaries are meant to reflect individual women's experiences and do not necessarily reflect Refinery29's point of view. Refinery29 in no way encourages illegal activity or harmful behavior.Ever had what you thought was a great present lead to a dramatic breakup or been forced to wear an ugly item of clothing just because it was a gift from someone you love? Share your holiday gift horror stories here, and they could end up in our upcoming story.Are you engaged or married? How did you pay for your ring? Did you save, did you get a loan, are you still in debt? Tell us your ring financing stories here for a chance to be featured in an upcoming story!The first step to getting your financial life in order is tracking what you spend - to try on your own, check out our guide to managing your money every day. For more money diaries, click here.Do you have a Money Diary you'd like to share? Submit it with us here. Like what you see? How about some more R29 goodness, right here?How Hannah Hart Taught Me To Throw A Dinner PartyA Week In North Florida On A $24,960 SalaryA Week In Nashville, TN, On A $61,000 Salary

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