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• Trump and his three eldest children must defend the family business in open court in NYC next month.
• They are among 25 witnesses attorney general Letitia James will call in a $250 million fraud trial.
• Whether the trial starts Monday, as scheduled, is in the hands of a Manhattan appeals panel.

New York’s $250 million fraud trial against Donald Trump and his real-estate empire will force four Trumps to the witness stand in the coming weeks, starting with Ivanka Trump and followed, toward its end, by the former president and his two eldest sons, a new witness list reveals.

State Attorney General Letitia James’ final list of “Witnesses to be Called” in her case against the Trump Organization was filed late Thursday morning.

Here’s the whole list. 

The non-jury trial is scheduled to begin in Manhattan on Monday, but that date remains up in the air until an appellate panel rules on Trump’s request that the case be shrunk, pre-trial, on statute-of-limitation grounds.

Ivanka Trump, a former executive vice president at the Trump Organization through 2016, is in the attorney general’s number 14 witness slot and will testify first out of all the Trumps.

The former president’s eldest daughter, an original plaintiff of the lawsuit, was released from the case after an appeals court found the claims against her were too old.

Now, she must testify against her father and brothers Donald Trump, Jr., and Eric Trump, who all remain as plaintiffs.

Ivanka Trump negotiated financing for the company before leaving for Washington, DC, with her father in 2017. The AG had accused her of causing misleading financial statements to be submitted to Deutsche Bank, Trump Org’s biggest lender, and to the federal government in connection with Trump’s development of the Old Post Office building in Washington.

The list shows that the state’s first scheduled witness will be Donald Bender, Trump’s former top accountant. Bender is a partner at Mazars USA, the firm that, in the wake of James’ fraud allegations, announced in February that it could no longer stand by the accuracy of a decade of financial statements prepared for Trump.

Mazars unceremoniously dumped the Trumps in the midst of preparing the family taxes last year.

The Trump Organization’s top payroll man, or “controller,” Jeffrey McConney, implicated in the company’s Manhattan payroll fraud conviction last year, as is former CFO Allen Weisselberg, who pleaded guilty in the payroll case.

Also among the earliest planned witnesses is Trump’s fixer-turned-foe, Michael Cohen. The former Trump personal attorney drew the number six witness slot.

Cohen’s 2019 Congressional testimony first alerted the world to what the trial judge has already ruled was rampant fraud in Trump’s annual financial statements to banks and insurers.

James has credited Cohen’s testimony with sparking the three-year investigation that led her to file the fraud lawsuit at the center of the upcoming trial.

There are 25 witnesses in all on James’ list, including Trump corporate employees, lenders, insurers and appraisers, all compelled by subpoena to testify. 

Trump’s list of witnesses to call at trial, also filed Thursday, has 127 witnesses on it, though these are listed in alphabetical, not sequential, order.

The list indicates that on their direct defense case, they, too, intend to call Donald Trump and Eric Trump, who continues to manage the Trump Organization. They do not list Ivanka Trump and Donald Trump, Jr., as witnesses.

In a blockbuster ruling Tuesday, New York Supreme Court Justice Arthur Engoron found that the AG has already proven her lawsuit’s central allegation – that Donald Trump annual financial statements to banks and insurers fraudulently exaggerated his worth by as much as $3.6 billion a year.

Engoron also ordered that the company’s New York incorporation licenses be immediately revoked, and that in 30 days a receiver be appointed to begin the “dissolution” of assets – something experts are calling the “corporate death penalty.”

The practical parameters of the ruling remain unclear; at a hearing Wednesday, the judge gave a Trump attorney no guidance on the significant question of what, precisely, would ultimately have to be sold off. 

The upcoming trial will determine monetary penalties, and whether Trump and his two eldest sons will be forever banned from running a business in New York state, as James has requested.

The trial will determine whether the other defendants, including Eric Trump and Donald Trump, Jr., a Trump Org executive vice president and trustee, are also liable for fraud.

It will also determine if the plaintiffs are liable for specific violations of state law, including falsification of business records, issuing false financial statements, and insurance fraud.

Our experts answer readers’ personal loan questions and write unbiased product reviews (here’s how we assess personal loans). In some cases, we receive a commission from our partners; however, our opinions are our own.

When shopping for a personal loan, most borrowers make the interest rate their top priority. The lower the interest rate, the less the total cost of the loan will be. While other factors like fees and term lengths also are important when when selecting a lender, interest rates are critical in making your final choice.

Best Low-Interest Personal Loans

• LightStream Personal Loan: Best for maximum loan amounts
• Discover Personal Loan: Best for money-back guarantee
• American Express Personal Loan: Best for low minimum APR
• Upstart Personal Loan: Best for low credit scores
• Wells Fargo Personal Loan: Best from a brick-and-mortar lender 
• Reach Financial Personal Loan: Best for debt consolidation
• Prosper Personal Loan: Best for co-signed loan

Next Step: See if you’re prequalified for a loan without impacting your credit score.

The best personal loans with low interest rates have a minimum rate below 8%, which is reflected in our list of top picks. Keep in mind that you’ll only qualify for the lowest personal loan rates if you have an excellent credit score. 

Compare the Best Loans With Low Interest Rates

Low-Interest Loan Frequently Asked Questions

Best Low-Interest Loan Company Reviews

LightStream Personal Loan

LightStream lends amounts of as much as $100,000 for borrowers looking to find large expenses with a loan that has low interest rates. The company offers same-day funding if the application is approved, verified, and signed before 2:30 p.m. ET. 

LightStream also has a wide range of repayment term lengths, from two to 12 years. This is great if you’re looking to spread out the cost of your loan over a long period.

Watch out for: Lightstream doesn’t have preapproval. Borrowers looking for low-interest loans like to shop around to compare rates. Usually, this involves getting preapproved by several different companies and comparing the offers before settling on one. LightStream doesn’t offer preapprovals for its personal loans. You’ll have to go through the full approval process. That includes a hard pull of your credit report, which can temporarily lower your credit score.

Lightstream Personal Loan Review 

Discover Personal Loan

Discover personal loans come with a 30-day money-back guarantee, differentiating them from competitors. If you decide within 30 days of getting your loan that you don’t want it anymore, you may return the funds via check and won’t be charged any interest. This may be helpful if you find a lender with a lower interest rate or if you end up not needing the loan amount you initially requested. 

Discover also has repayment terms ranging from three to seven years, so you have options if you want to spread out the cost of your loan. You’re also able to pay off your loan early at any time without a fee. 

Watch out for: Hefty late fee. Discover charges up to $39 in late fees. If you fall behind on your payments, those fees will increase the overall cost of your loan. Some other lenders on our list don’t charge any fees.

Discover Personal Loan Review 

American Express Personal Loan

American Express has some of the lowest minimum APRs available. If you have an excellent credit score and can qualify for the lowest interest rate, this could be a great lender for you. 

The company also gets you funds quickly. Borrowers will usually get their money within one to two business days after loan approval. 

Watch out for: Eligibility requirements. To get a personal loan with American Express, you need to be a card member. You need a relationship with the company outside of your personal loan, which may be an added step you prefer to avoid. 

American Express Personal Loan Review 

Upstart Personal Loan

Upstart has low interest rates and can get you your money faster than many other lenders. You may be able to get your loan proceeds as soon as the day after you apply.

Upstart’s minimum credit score is 300. If you have a poor credit history, it may be easier to qualify for a loan with low rates from this lender than with some of the others on our list. Keep in mind that you’ll usually be charged a higher interest rate with a lower credit score. 

Watch out for: High origination fees. Upstart’s personal loans can have origination fees up to 8%. On a $5,000 loan, for example, that would work out to an origination fee of $400. 

Upstart Personal Loan Review 

Wells Fargo Personal Loan

Wells Fargo is one of the largest banks in the country, with roughly 4,700 locations in 36 states. Borrowers looking for a low-interest personal loan who prefer face-to-face interactions will find ample opportunities to connect with a Wells Fargo representative. States where branches aren’t available are Ohio, Michigan, Kentucky, West Virginia, Missouri, Oklahoma, Louisiana, Maine, Vermont, New Hampshire, Massachusetts, Rhode Island, and Hawaii.

Wells Fargo also has a high maximum loan limit of $100,000, which is perfect for borrowers who need to finance a large purchase.

Watch out for: History of controversies. Wells Fargo’s recent past has been mired in scandals, including a December 2022 ruling from the Consumer Financial Protection Bureau ordering the bank to pay a $3.7 billion penalty as a result of widespread legal violations, including in the auto and mortgage loan space. Other lenders on our list don’t come with the same baggage. 

Wells Fargo Personal Loan Review 

Reach Financial Personal Loan

Reach Financial could be a good choice for borrowers looking for a low-interest personal loan for debt consolidation. It has very fast funding speed. The company pays off your creditors directly — you won’t have any money go into your account — and will do so within roughly 48 hours after your loan is approved. 

The company’s loan minimum is relatively low — you’re able to take out a loan as small as $3,500. See our guide to the best debt consolidation loans for options with higher limits.

Watch out for: Limited loan purpose. You’re only able to use your loan funds to consolidate or refinance debt. The other lenders on our list allow borrowers to use a personal loan for pretty much any purpose. Borrowers looking to cover other expenses will have to choose a different lender. 

Reach Financial Personal Loan Review

Prosper Personal Loan

Prosper allows you to add a co-borrower to your account, a feature not all lenders offer. Enlisting a co-signer can help you get a lower interest rate on your personal loan than you would’ve otherwise received, or qualify for a loan that was out of reach on your own.

The company also has a low loan minimum of $2,000 and may be a good option for borrowers who only need a little bit of cash. 

Watch out for: Many eligibility requirements. You may have trouble meeting all of Prosper’s qualifications for a personal loan, particularly if your finances aren’t in great shape. These include a debt-to-income ratio below 50%, and fewer than nine credit bureau inquiries (excluding duplicate inquiries) within the last six months.

Prosper Personal Loan Review 

Other Low-Interest Loan Companies We Considered

• SoFi Personal Loan. SoFi is an excellent personal loan lender, with no fees and an unemployment protection program. However, it has a higher minimum credit score requirement than any of the lenders on our list, and its minimum rate isn’t as low as the lenders we’ve chosen. 
• Avant Personal Loan, Avant is a great lender for borrowers with bad credit, as it recommends a credit score between 600 and 700 to qualify for a loan. However, its minimum rate is higher than all of the lenders on our list. 
• PenFed Credit Union Personal Loan. PenFed is one of our best credit unions for personal loans, with a low loan minimum of just $600. However, you need to be a member to get a loan, and its lowest rates are higher than the lenders we picked.

Low-Interest Loan Company Trustworthiness

Whether you’re interested in taking out a $5,000 loan or a $50,000 loan, finding the right provider can help with your loan approval experience. We’ve looked at each institution’s Better Business Bureau score to offer you another piece of information to pick a company that provides low-interest personal loans. The BBB measures businesses based on factors like their responsiveness to customer complaints, truthfulness in advertising, and openness about business practices. Here is each company’s score:

Our top picks are rated A+ or higher by the BBB, with the exception of Wells Fargo, which has a history of problematic behavior. 

Most recently, the Consumer Financial Protection Bureau in December 2022 ordered Wells Fargo to return $2 billion to customers and pay a $1.7 billion penalty for legal violations involving auto loans, mortgages, and deposit accounts. The bank illegally charged fees and interest penalties on auto and mortgage loans. Additionally, it misapplied payments to those loans for many customers. 

If these and other legal issues with Wells Fargo in recent years make you uncomfortable, you may consider getting a personal loan from a different lender. 

Know that a high BBB score does not ensure a positive relationship with a credit card consolidation loan provider, and you should keep researching and talk to others who have used the company to get the most complete information possible.

Why You Should Trust Us: Our Methodology

We rate all personal loan products in our reviews and guides on a 1-5 scale. The overall rating is a weighted average that takes into account seven different categories, some of which are judged more heavily than others. They are:

• Interest rate (20% of rating)
• Fees (20% of rating)
• Term lengths and loan amounts (15% of rating)
• Funding speed (15% of rating)
• Borrower accessibility (15% of rating)
• Customer support (7.5% of rating)
• Ethics (7.5% of rating)

Each category’s weighting is based on its importance to your borrowing experience. Rates and fees have the most direct impact on the overall cost of your loan, so we weigh those the most heavily. Customer support and ethics are still very important parts of the borrowing experience, but do not directly tie to a personal loan’s terms, so they have less of an impact on the overall rating. 

See our broader ratings methodology for personal loans » 

Our experts answer readers’ personal loan questions and write unbiased product reviews (here’s how we assess personal loans). In some cases, we receive a commission from our partners; however, our opinions are our own.

Who is SoFi Best For?

SoFi has great protection for borrowers in case they get laid off from their jobs. The company offers forbearance for any personal loan borrower who loses their job during their loan repayment. This unique feature allows borrowers to apply for a three-month forbearance, up to a total of 12 months. 

SoFi also has a large maximum loan amount of $100,000, which is helpful for borrowers who need to fund a significant expense. It’s a top pick in our guide to the best debt consolidation loans.

However, SoFi doesn’t have any in-person support. If you like having the option of talking to a banker in person about your loan or make a payment in person, SoFi may not be the lender for you. 

SoFi Personal Loan Features

Regular APR: 8.99% to 25.81% (with all discounts)

Loan amounts: $5,000 to $100,000

Fees: None required

SoFi Personal Loan Pros and Cons

How to Apply for a SoFi Personal Loan

1. Check your rate. SoFi allows borrowers to prequalify for its loans by applying through its website. That means you’ll be able to get your rate without impacting your credit score. You’ll need to input your name, email address, state of residence, desired loan amount and purpose, and other information.

2. Look over your loan offerings and choose the one that makes sense. After you submit your initial information, SoFi will send you potential loan terms. A shorter term length means bigger monthly payments — but you’ll save more in interest. You’ll need to send in a formal application, which may also require additional documents, like W-2s, pay stubs, or bank statements. 

3. Confirm your loan terms and plan for repayment. After you sign the document accepting your loan terms, your loan will be approved and funded. Make sure you’ve added your loan payments into your budget. 

SoFi Personal Loan Frequently Asked Questions

Compare SoFi Personal Loans

SoFi Personal Loans vs. LightStream Personal Loans

SoFi and LightStream Personal Loan both cater to borrowers with good or better credit. But for borrowers who don’t meet SoFi’s relatively high credit requirements, LightStream may be the better choice.

LightStream’s interest rates start lower than SoFi’s rates do, but LightStream’s maximum interest rates are higher. Your choice could depend on which lender offers you the better rate.

SoFi Personal Loans vs. Upstart Personal Loans

While SoFi does not require a origination fee, Upstart Personal Loan does charge an origination fee of up to 8% on its personal loans. Upstart has a much wider range of interest rates than SoFi. SoFi’s interest rates stop much lower than Upstart’s interest rates. See the best personal loans with no origination fee.

Why You Should Trust Us: How We Rated SoFi Personal Loans

We rate all personal loan products in our reviews and guides on a 1-5 scale. The overall rating is a weighted average that takes into account seven different categories, some of which are judged more heavily than others. They are:

• Interest rate (20% of rating)
• Fees (20% of rating)
• Term lengths and loan amounts (15% of rating)
• Funding speed (15% of rating)
• Borrower accessibility (15% of rating)
• Customer support (7.5% of rating)
• Ethics (7.5% of rating)

Each category’s weighting is based on its importance to your borrowing experience. Rates and fees have the most direct impact on the overall cost of your loan, so we weigh those the most heavily. Customer support and ethics are still very important parts of the borrowing experience, but do not directly tie to a personal loan’s terms, so they have less of an impact on the overall rating. 

See more on how we rate personal loans >>

Instagram and influencers go hand-in-hand. 

The Meta-owned social-media platform has become a primary stage for influencers launching their careers.

Those careers can take off quickly. For example, the 26-year-old influencer Achieng Agutu, who had about 488,000 Instagram followers when Insider interviewed her, earned over $1 million in her first year as a full-time creator.

Check out how Agutu earned over $1 million from brand deals in her first year

Influencers don’t need tons of followers to start earning money on Instagram. As more brands turn to smaller creators like “nano” or “micro” influencers with under 100,000 followers, establishing a full-time career as a creator is no longer a pipe dream.

Typically, influencers rely on sponsored content to make money. From posting a picture to the main feed with #ad to sharing swipe-up links in a series of stories, sponsored content takes on many different shapes.

Rates for these types of brand deals also vary.

For instance, Nate White, a comedy creator who had 340,000 Instagram followers when Insider interviewed him, had a base rate of $3,000. Meanwhile, Jour’dan Haynes, a nano influencer, told Insider she can earn up to $600 per post.

To land on these rates, some influencers rely on formulas like charging brands $100 for every 10,000 followers. But not everyone agrees on one formula. 

Each deal has to also account for an influencer’s following, engagement metrics, and niche, as well as deal terms like exclusivity, usage rights, and timing.

But if influencers negotiate well, brand deals can lead to big paychecks. For instance, one influencer with 275,000 followers told Insider she had booked $700,000 in brand deals in six months. And two micro influencers told Insider they earned six-figure yearly salaries as full-time creators.

Sponsored content, however, isn’t the only income generator for these influencers — although it is generally the most lucrative.

Influencers on Instagram can also earn commissions on affiliate links, profits from selling merchandise, and proceeds from monetization tools Meta has introduced. One influencer who spoke with Insider made an average of $5,000 per month through affiliate links alone.

Instagram is even testing an ad-revenue sharing program that lets creators earn money for high-performing reels on the app.

Other platforms, like Facebook, YouTube, and TikTok, have similar programs for short-form video formats. YouTube also shares ad revenue with creators for longer-form videos through its Partner Program.

Insider has spoken with dozens of Instagram influencers about how much money they charge brands for sponsored content and how else they make a living using the app. 

Here’s a comprehensive breakdown of Insider’s cover on how much money Instagram influencers make:

Many influencers earn money on Instagram by working with brands on sponsored content.

In 2022, Instagram launched a test of its Creator Marketplace, which connects brands and influencers directly on the app. Although the feature has received mixed reviews from creators in its first year of testing, Meta introduced more features and partners in 2023.

While other influencer marketing has a presence across the social media ecosystem, Instagram is still where a bulk of deals are inked, according to a recent report by influencer marketing firm Mavrck. Rates are also higher on Instagram compared to platforms like TikTok, the report found. 

Read 5 takeaways from a recent report on influencer marketing

So how much money are individual influencers making on Instagram?

44 Instagram influencers told us how much they charge for and have earned from sponsored content. Here’s a full breakdown of our coverage, in order of follower count at the time of interviews:

“Macro” and “Mega” influencers

• Alexa Collins, a lifestyle influencer with 1.2 million followers
• Nate White, a comedy creator and fashion designer with 340,000 Instagram followers (1.8 million on TikTok)
• Jenna Barnard, a food blogger with 285,000 followers
• JaLisa Vaughn-Jefferson, a lifestyle influencer with 275,000 followers
• Rahan Alemi, a lifestyle and fashion influencer with 200,000 Instagram followers (385,000 on TikTok)
• Katy Bellotte, a lifestyle influencer with 176,000 followers
• Natasha Greene, a food and lifestyle creator with 137,000 followers
• Jessica Ufuoma, a travel influencer with 128,000 followers
• Joel Bervell, a medical school student and content creator with 118,000 Instagram followers (475,000 on TikTok)
• Matt Upham, a tech content creator with 113,000 Instagram followers (522,000 on TikTok)
• Macy Mariano, a travel and fashion influencer with 102,000 Instagram followers

Micro influencers

• Kara Harms, a full-time lifestyle blogger and influencer with 77,000 Instagram followers (283,000 on TikTok)
• Jehava Brown, a travel and lifestyle influencer with 70,000 followers
• Nick Cutsumpas, a plant influencer with 63,700 followers
• Jon Seaton, a college football star and creator with 58,000 Instagram followers (1.8 million on TikTok)
• Jade Darmawangsa, a YouTube creator (382,000 subscribers) with 52,000 Instagram followers
• Emma Cortes, a lifestyle influencer and podcast host with 47,000 followers
• Ashley Jones, a fashion and lifestyle influencer with 45,000 followers
• Tomi Obebe, a lifestyle and fashion influencer with about 40,000 followers
• Makenzie Steele, a college athlete and track star with 40,000 followers
• Diti Goradia, a fashion influencer who works a full-time investment banking with 34,000 followers
• Aisha Beau Frisbey, a lifestyle creator with 34,000 followers
• Chris Guerra, a comedy creator with 32,900 Instagram followers (760,000 on TikTok)
• Britney Turner, a lifestyle influencer with 27,000 followers
• Symphony Clarke, a TikTok creator (200,000 followers) with 26,000 Instagram followers
• Maesha Shonar, a creator with 22,800 followers
• Alexa Curtis, a lifestyle influencer and entrepreneur with 20,000 followers
• Mary Margaret Boudreaux, a lifestyle influencer with 20,000 followers
• Manasi Arya, a Gen-Z artist with 19,000 followers
• Tejas Hullur, a personal finance creator and entrepreneur with 12,000 followers (500,000 on TikTok)
• Reni Odetoyinbo, a personal finance and lifestyle creator with 14,000 followers
• Gigi Kovach, a part-time lifestyle blogger and mom of two with 13,500 followers
• Tyler Chanel, a sustainability influencer with 12,000 followers

Nano influencers

• Khadijah Lacey-Taylor, a fashion and lifestyle influencer with 9,800 followers
• Julie Tecson, an influencer and talent manager with  7,100 Instagram followers. 
• Paulina Perez, a lifestyle influencer with 7,000 Instagram followers
• Jour’dan Haynes, a lifestyle creator with 5,900 Instagram followers
• Tess Barclay, a lifestyle blogger with 5,600 followers
• Jack Betts, a college athlete with around 5,500 Instagram followers
• Laur DeMartino, a nano influencer and full-time college student with 5,200 Instagram followers
• Jalyn Baiden, a nano influencer with about 4,000 Instagram followers
• Stacy Kim, a travel and fashion influencer with 3,400 Instagram followers
• Jen Lauren, a part-time lifestyle influencer with 2,900 followers
• Amber Broder, a part-time skincare influencer and full-time college student with 2,300 followers

Influencers use platforms like LTK and ShopStyle to generate affiliate links or discount codes provided by brands to earn a percentage of sales. (Read more about the top affiliate platforms for influencers.)

Adding these links just got easier, too. In 2021, Instagram released the ability to add link stickers in Stories to all users — regardless of the follower count or verification status. Instagram now lets users include up to five links in their bios, too.

The platform also began testing native-to-Instagram affiliate marketing tools for influencers in 2021, but later shut down the program during the summer of 2022.

Read more:

Using Instagram’s suite of monetization tools

Since 2020, Instagram has announced several monetization features for creators. Although the platform’s ad-revenue share program for ads played on IGTV (which rebranded to “Instagram Video”) came to an end in 2022, creators have turned to reels as a way to earn money. 

Meta has an entire entourage of executives dedicated to helping creators on the platform, including monetization.

In May, Meta announced that it would begin testing a new ad-rev share model on Instagram reels with a select group of creators. Instagram announced it was ending its “Bonuses” program for reels a few months prior.

Creators can also make money on Instagram by receiving “Badges” or “Gifts” (tipping features for Live and Reels, respectively), launching Instagram Subscriptions, and selling their own merchandise or products in-app.

Read more:

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Two of Rugby’s best teams have drawn each other in group stages of the 2023 Rugby World Cup, and you don’t want to miss it. We’ll guide you through options to watch free Wales vs. Australia live streams. If you want to watch games further down the schedule, you’ll be happy to know these options will work for every tournament match.

Wales and Australia field two of the best teams in Rugby. The latter need this win more after dropping a win to Fiji last week, so look for them to play spoiler against Wales, who have been great thus far after a weak Six Nations showing earlier in the year. Wallabies head coach Eddie Jones is feeling the heat with some last-minute roster changes that he hopes will keep Australia from bouncing out of group stages for the first time ever. Suffice to say; there’s a lot on the line.

If you don’t have a proper watch option in your country, we’ll show you how to watch the Rugby World Cup live streams for free using a VPN. Short for virtual private network, these handy apps let your devices mimic various international locations of your choosing so that you can hop onto one of the all-inclusive streaming sources listed below.

Where to watch Wales vs. Australia Rugby World Cup live streams free from anywhere 

You can catch all of the Rugby World Cup action, including Wales vs. Australia, using the free ITVX live stream in the United Kingdom, which offers up every match of this year’s Rugby World Cup. ITV1 will show most games, and the others will be shown between ITV3 and 4. While ITVX is a UK-based platform, you can access it from anywhere using a VPN.

A VPN virtually changes your devices’ location, so apps and websites think you’re connecting from servers within those countries. In the case of the Rugby World Cup, you can connect through a UK server, and ITV will let you in with no fuss after creating a free email login. You can also use VPNs to sign up for cheap streaming services such as Peacock (it’s also showing all Rugby World Cup games starting at $5.99 monthly).

Don’t have a VPN? There’s a fantastic offer right now on one of the best VPN apps we’ve tested and have been using for years for streaming and beefing up our online security. You can pick up Express VPN, save up to 49% on the usual price, and get three months for free. It’s the best investment in your sports-watching future if you know you’ll want to watch more international sports streams. If you’re unsatisfied, there’s a hassle-free 30-day money-back guarantee. Read our detailed ExpressVPN review to learn more about everything this magical app has to offer.

How to watch Wales vs. Australia with a VPN

• Sign up for a VPN if you don’t have one.
• Install it on the device you’re using to watch the game.
• Turn it on and set it to a UK location.
• Go to: ITVX.
• Sign in/create a free login and watch the matches.
• When: Today at 3 p.m. ET / 8 p.m. BST / 9 p.m. BST / 5 a.m. AEST (Mon).

How to watch Wales vs. Australia in the USA

NBC is the exclusive broadcast partner for the Rugby World Cup in the United States. All games will stream live on its Peacock streaming service (starts at just $5.99 monthly).

You’ll also find over a dozen select matches on its network news arm, CNBC (available on live TV streaming services like Sling Blue + News Extra, currently just $20 for your first month). Or, if you have a VPN, you can watch all of the Rugby World Cup matches for free using ITVX, as described above.

Rugby World Cup schedule

Below is a full schedule of upcoming Rugby World Cup games that will run through the October 28 final. All times below are in US Eastern.

Groups and Pools

Sunday, September 24

• Scotland vs. Tonga, 11:45 a.m. ET; Pool B (free on ITVX)
• Wales vs. Australia, 3:00 p.m. ET; Pool C (free on ITVX)

Wednesday, September 27

• Uruguay vs. Namibia, 11:45 a.m. ET; Pool A (free on ITVX)

Thursday, September 28

• Japan vs. Samoa, 3:00 p.m. ET; Pool D (free on ITVX)

Friday, September 29

• New Zealand vs. Italy, 3:00 p.m. ET; Pool A (free on ITVX)

Saturday, September 30

• Argentina vs. Chile, 9:00 a.m. ET; Pool D (free on ITVX)
• Fiji vs. Georgia, 11:45 a.m. ET; Pool C (free on ITVX)
• Scotland vs. Romania, 3:00 p.m. ET; Pool B (free on ITVX)

Sunday, October 1

• Australia vs. Portugal, 11:45 a.m. ET; Pool C (free on ITVX)
• South Africa vs. Tonga, 3:00 p.m. ET; Pool B (free on ITVX)

Thursday, October 5

• New Zealand vs. Uruguay, 3:00 p.m. ET; Pool A (free on ITVX)

Friday, October 6

• France vs. Italy, 3:00 p.m. ET; Pool A (free on ITVX)

Saturday, October 7

• Wales vs. Georgia, 9:00 a.m. ET; Pool C (free on ITVX)
• England vs. Samoa, 11:45 a.m. ET; Pool D (free on ITVX)
• Ireland vs. Scotland, 3:00 p.m. ET; Pool B (free on ITVX)

Sunday, October 8

• Japan vs. Argentina, 7:00 a.m. ET; Pool D (free on ITVX)
• Tonga vs. Romania, 11:45 a.m. ET; Pool B (free on ITVX)
• Fiji vs. Portugal, 3:00 p.m. ET; Pool C (free on ITVX)

Quarter Final

Saturday, October 14

• TBD (Winner Pool C) vs. TBD (Runner-up Pool D), 11:00 a.m. ET; QF1 (free on ITVX)
• TBD (Winner Pool B) vs. TBD (Runner-up Pool A), 3:00 p.m. ET; QF2 (free on ITVX)

Sunday, October 15

• TBD (Winner Pool D) vs. TBD (Runner-up Pool C), 11:00 a.m. ET; QF3 (free on ITVX)
• TBD (Winner Pool A) vs. TBD (Runner-up Pool B), 3:00 p.m. ET; QF4 (free on ITVX)

Semi-finals

Friday, October 20

• TBD (Winner Quarter-final 1) vs. TBD (Winner Quarter-final 2), 3:00 p.m. ET; Semi-final 1 (free on ITVX)

Saturday, October 21

• TBD (Winner Quarter-final 3) vs. TBD (Winner Quarter-final 4), 3:00 p.m. ET; Semi-final 2 (free on ITVX)

Bronze Final (Third-place matchup)

Friday, October 27

• TBD (Losers: SF1) vs. TBD (Losers: SF2), 3:00 p.m. ET; Third place play-off (free on ITVX)

Final

Saturday, October 28

• TBD (Winners: SF1) vs. TBD (Winners: SF2), 3:00 p.m. ET; Final (free on ITVX)

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• Cassidy Hutchinson said she once ran into Mike Lindell walking around the White House unescorted.
• She says Lindell said: “We can still win,” referencing an effort to overturn Biden’s 2020 victory.
• Hutchinson wrote about the interaction in her forthcoming book.

Former GOP aide Cassidy Hutchinson says she once ran into MyPillow chief executive Mike Lindell roaming the White House unattended, making remarks backing former President Donald Trump’s 2020 election claims.

In Hutchinson’s forthcoming book, “Enough,” the onetime aide to ex-Trump chief of staff Mark Meadows wrote of how the White House was steeped in paranoia while also describing how it could also be a place with little oversight — which explained her interaction with Lindell.

Lindell was a fixture in the conservative push to overthrow now-President Joe Biden’s electoral win immediately after the election that November.

On January 15, 2021, a week after the Capitol riot and just days before Trump was set to leave the White House, Hutchinson writes — according to excerpts of her book — that she found Lindell walking throughout the building without a staffer or a guide before he said: “We can still win.”

That same day, Lindell was captured on the grounds of the White House by Washington Post photographer Jabin Botsford, where the executive held a set of notes detailing his agenda during a meeting with Trump.

One of the visible phrases on the paper read: “Insurrection Act now as a result of the assault on the … martial law if necessary upon the first hint of any…,” before trailing off out of view. Another note referenced a continued examination of the 2020 presidential election.

Hutchinson’s book is set to be released on September 26.

The United Auto Workers union is changing the way bargaining works in Detroit.

The union’s historic strike at all three of the Detroit car companies implements a new strategy, in which Ford, GM, and Stellantis are forced to compete against each other at the bargaining table.

At the same time, the UAW is slowly rolling out targeted work stoppages in a surprise-attack approach that allows the union to use strikes as leverage — while only slowly dipping into its $825 million strike fund it uses to pay workers in lieu of their regular paycheck.

Workers at three assembly plants have been on strike for a week, and the latest escalation came Friday when UAW President Shawn Fain said 38 GM and Stellantis plants in 20 states would be joining the walkout. Fain is targeting GM and Stellantis specifically because he’s unhappy with their offers in comparison to progress made at Ford since the strike began.

“To be clear, we’re not done at Ford,” Fain said Friday. “But we do want to recognize that Ford is showing that they’re serious about reaching a deal. At GM and Stellantis, it’s a different story.”

The UAW’s decision to target GM and Stellantis with parts depot walkouts that will cripple production while sparing Ford is the union’s first move in using its unique strike strategy to pit the Detroit 3 against each other. Leaked messages from the union’s communications director, first reported by The Detroit News, more clearly illustrate this plan.

“We’re breaking pattern and they’re bargaining against each other for the first time in 70 years,” UAW communications director Jonah Furman wrote in a private group on X, the social media website formerly known as Twitter. The messages were reviewed and confirmed by Insider. “We can calibrate it exactly to their moves at the table. If Ford and GM won’t move but Stellantis will, we can spare them.”

After Furman’s messages leaked Thursday night, the Detroit car companies expressed their displeasure with the union’s strategy. Ford and Stellantis called the messages “disappointing” and “disturbing,” while GM said the message “calls into question who is actually in charge of UAW strategy.”

The union didn’t immediately respond to Insider’s request for comment, but told The Detroit News the messages were “private.”

Why the UAW is breaking pattern

For most of the UAW’s 88-year history, the union has engaged in pattern bargaining with the three Detroit companies to avoid competition at the table. In the past, the UAW has chosen a “lead company” to complete negotiations with and then taken the first completed contract to the other two companies as a guide for completing a deal.

This more aggressive strategy comes as the UAW is fighting to reignite its relevance in a revived labor movement after years of declining membership and a yearslong criminal probe that eroded trust with union leaders.

Fain and workers Insider spoke with on the picket line have said the UAW’s fight is bigger than the Detroit three. The UAW president is decidedly taking on a larger fight between the working class and their wealthy employers, previously saying in a now-viral clip that, in his opinion, billionaires “don’t have a right to exist.”

The hope of Fain and his members is to reset the standard for work in automotive manufacturing.

Targeted strikes allow for longevity

Fain had been hinting at the historic strategy to strike all three companies at once since the start of bargaining this summer. The idea was met with skepticism by many, who said that an all-out strike would quickly drain the UAW’s strike resources.

Enter the UAW’s targeted strategy. The first week of the strike at three assembly factories in Michigan, Ohio, and Missouri cost the union an estimated $6.5 million, according to Deutsche Bank. That leaves plenty in the union’s $825 million strike fund as the work stoppage expands Friday.

This kind of longevity in the strike is important for the UAW, as their opponents on the other side of the table have every reason to dig their heels in.

Ford, GM, and Stellantis – whose labor costs are already higher than most of the industry – are each spending billions of dollars to electrify their lineups and must weigh costly R&D expenses in the future with these increased labor costs.

Our experts answer readers’ credit card questions and write unbiased product reviews (here’s how we assess credit cards). In some cases, we receive a commission from our partners; however, our opinions are our own. Terms apply to offers listed on this page.

If you have a small business or side hustle, it really helps to keep your expenses separate from any personal spending — especially when tax season rolls around. But limiting your business spending to certain credit cards doesn’t just help organize your finances; it can also earn you even more rewards, since the best business credit cards offer bonus points or cash back on common business categories like office supply stores, internet, and phone services.

Two of our favorite business cards — the Ink Business Cash® Credit Card and the Ink Business Unlimited® Credit Card — just brought back their highest-ever welcome offer that can earn you even more than usual for meeting a minimum spending requirement as a new cardholder.

Ink Business Cash and Ink Business Unlimited elevated welcome offers

Starting today and running for a limited time (we don’t know the end date yet), the Ink Business Cash® Credit Card and the Ink Business Unlimited® Credit Card are offering new cardholders $900 bonus cash back after you spend $6,000 on purchases in the first three months from account opening.

That’s $150 more in value than the typical welcome bonus. You don’t even have to meet a higher minimum spending requirement to earn this higher bonus.

Which card is right for you?

Both the Ink Business Cash® Credit Card and the Ink Business Unlimited® Credit Card have a $0 annual fee and offer an intro APR of 0% intro APR on purchases for the first 12 months, then 18.49% – 24.49% Variable APR.

But the way the two cards earn rewards is different. If the new welcome offer has you interested but you’re not sure which card is a better fit for you, here’s a rundown of how they differ.

Ink Business Cash® Credit Card

This card earns bonus cash back on different business-related spending categories:

• 5% cash back on the first $25,000 spent in combined purchases at office supply stores and on internet, cable, and phone services each account anniversary year
• 2% cash back on the first $25,000 spent in combined purchases at gas stations and restaurants each account anniversary year

You’ll earn 1% cash back on all other purchases, with no cap on what you can earn.

Read our Ink Business Cash card review for more details.

Ink Business Unlimited® Credit Card

Instead of earning bonus cash back on certain spending categories, this card earns 1.5% cash back on every purchase, with no cap on what you can earn.

If you don’t spend a lot at office supply stores and internet, phone, and TV, this earning structure will likely be the better option. It’s also a better option for those who prefer simplicity and don’t want to keep track of bonus categories.

You can learn more in our Ink Business Unlimited card review, and check out our comparison of the Ink Business Cash vs. the Ink Business Unlimited card.

We don’t know how long this elevated welcome offer will stick around, so don’t wait too long to apply if you’re interested!

• Florida residents Natalia and John were increasingly squeezed by rising insurance and utility costs.
• They fled to Wisconsin after their homeowners insurance premium doubled, seeing no end in sight.
• As lifelong Floridians they didn’t want to leave but chose their family over their homestead.

This as-told-to essay is based on a conversation with John, 41, and Natalia, 38, who asked that only her first name be used for privacy reasons, about their decision to move from Plantation, Florida, a city just outside of Fort Lauderdale, to Dell Prairie, Wisconsin, 127 miles from Milwaukee. The following has been edited for length and clarity.

Natalia: In 2016 my husband and I purchased the home I grew up in in Plantation, Florida, from my parents.

John: It’s about 15 minutes from Fort Lauderdale and about 20 minutes from Miami.

Natalia: It’s about 2,400 square feet with five rooms and three bathrooms. We did have a pool, but pretty much everybody in Florida has a pool.

We got a letter in the mail from our home insurance carrier in 2021 saying, “Hey, your roof is X amount of years old. You either need to replace it or we can’t guarantee that we’re going to insure you for the upcoming year.” We were thinking, we’re new homeowners — we’re freaked out about everything. We thought, what are we going to do?

We didn’t have enough money for a new roof. We went out and got quotes. The cheapest I could find just to replace the shingles was $28,000. We emptied out our savings and I had to borrow against my 401(k).

We weren’t ready for that kind of expenditure, but we did it.

The insurance company came back and said, “Thanks for doing your roof, it’ll now be $29,000 to cover you a year.” We told them, “Thank you, but we can’t afford it.”

John: Before the roof, we paid about $6,000 for our insurance premium.

After the roof, we got a quote from the statewide insurance, Citizens Property Insurance Corporation. It was the most affordable one.

Natalia: But our premium still doubled from the year before. Before we left, we were paying $12,000 for insurance.

We couldn’t keep up with the rising monthly expenses on top of childcare. It’s what finally convinced us to move.

Natalia: In the house, we took care of the MEPs: mechanical, electrical, plumbing. Those are my biggest important things. I could care less if my house is beautiful aesthetic-wise, I was more worried about making sure that we had new insulation, we redid the duct work, we put in a new AC, and we changed out the electrical panel.

John: The FPL (Florida Power & Light Co.) man came out there and did a synopsis on the home and told us that we’re doing everything correctly, but the reason why we’re paying $100 more for electricity this year than the previous year was because of the FPL rate increases.

Natalia: Our electric bill would be up 33% by this summer, and that would’ve given me a $1,000 bill for the months of August, September, and October. Those are your hot months out there. And I was like, I can’t afford this.

I put up the white flag, unfortunately.

John: We started looking at upcoming trends as far as cost-of-living increases. We have four children, three of them are in school and you have to pay the daycare expenses on top of it. So we ran the numbers for a year, it was going to cost us $31,000 for daycare and after-school care while we work in Florida.

It was just kind of like you’re walking, you’re walking, you’re walking with your head down, and then when you finally look up, you realize you’re lost. That’s the feeling you get once you realize the costs of childcare on top of your monthly expenses — and FPL kept on raising their prices.

Natalia: By the time we left, we were paying about $2,400 a month for the house, and that included taxes and insurance.

We chose Wisconsin because of an affinity for ‘Happy Days’

Natalia: We sold the house for about $700,000 and some change, and we only owed about $260,000 on it. So we had nice equity.

But that broke my heart. I was really hesitant on moving — that’s my stomping grounds. That’s where I grew up. I wanted to die there. I wanted my kids to learn to swim in the same pool I did. I wanted them to fish the same canals, and climb the same trees, and go to the same schools I did. I wanted them to have the same experience that I did because I think that my youth was good. I was very fortunate.

John: Growing up my dad would make me watch “Happy Days” all the time. And then later on in his life, he was a huge fan of “That ’70s Show” and for whatever reason, I was feeling nostalgic and I started watching it and I was like, “Oh, Wisconsin doesn’t seem so bad. Let me look it up.”

And then I found out “Happy Days” was Milwaukee and I started doing a little research about Wisconsin. That’s the main reason why we chose to move here.

We live in the township of Dell Prairie, which is actually on the outskirts of Wisconsin Dells. It’s a nice, small city.

We definitely did a lot of research on the real estate around the area, looking at lot size, home size, and schooling. We found we can get a lot more bang for our buck here than back home.

Our lot was 0.31 acres in Plantation, and we were able to come here and now we’re on over two acres.

One of the first things I did as soon as we got here was started planting corn just to see if I could grow it.

Natalia: And he can.

The costs in Wisconsin are a fraction of what we’re used to

John: The home we purchased was about $325,000. It’s five bedrooms and three bathrooms.

Natalia: That left us a little change to be able to pay off a bit of debt.

John: We haven’t paid insurance yet, but all our neighbors tell us that insurance is about $1,200 a year.

The landscape is awesome, my kids actually get to enjoy nature. They have always been outside kids. It’s just in South Florida and that landscape, you can’t go outside.

Natalia: I joke with everybody, but at the end of the day I say it’s like living in a Disney forest.

John: You get a lot of squirrels, chipmunks, deer, turkey, and an occasional bear in the middle of the night.

Natalia: I’m excited to have a white Christmas. That’ll be fun for us. Taking the kids out, having snowball fights and sledding and snowmen and the little snow angels, all that good stuff. And literally having a reason to make hot cocoa.

John: A lot of people that I worked with would always wish they could move and find somewhere cheaper. There are a lot of people who are scared of walking away from everything. But you have to do what you have to do for your family. Your family comes first.

I don’t think people can swallow their own personal pride to do what’s best for their family. And that’s what me and my wife did. We didn’t want to leave Florida. We just didn’t see a future there for our kids. And if there was a future, it was a future of hardship.

• A change may be coming to your streaming services, Warner Bros. Discovery CFO said.
• The services have been undervalued, Gunnar Wiedenfels said, and “quality content has been given away”
• That could spell price hikes. A bundle of the major streamers already cost 24% more than they did last year.

You’ve been getting a really good deal on your streaming services — and it may not last too much longer — Warner Bros Discovery’s CFO said.

“For a decade in streaming, an enormously valuable amount of quality content has been given away well below fair market value, and I think that’s in the process of being corrected,” Gunnar Wiedenfels said at the Bank of America Securities Media, Communications & Entertainment Conference last week. “We’ve seen price increases across essentially the entire competitive set.”

Wiedenfels noted what has become more and more evident to Hollywood in the last couple of years: The streaming model — as pioneered by Netflix and adopted by the likes of Hulu, Disney+, and Max — was never meant to last.

For years, the platforms offered libraries of content, including content that was very expensive to produce, for relatively low prices in the hopes of achieving subscriber growth.

As Insider’s Matt Turner summed up: “Streaming services have been underpriced in the name of attracting critical mass.”

It worked: Netflix currently has 238 million subscribers, while Disney+ has 146 million.

But profits have lagged. Disney’s direct-to-consumer offerings, which include Hulu and Disney+, reported a loss of $2.2 billion for the nine months ending in July. Paramount’s DTC business, including Paramount+, lost $424 million last quarter, while Comcast’s Peacock lost $651 million. Warner Bros Discovery posted a $3 million operating loss from its DTC segment in its latest earnings report.  

Netflix has been an anomaly in the streaming market in its ability to record a profit.

The solution, Wiedenfels said, will likely be to increase prices — a move a number of streaming giants have already started taking.

The combined price of the major players in the space — Disney+, Hulu, Netflix, Max, Peacock, Paramount+, and Apple TV+ — grew from $76.43 a month to $94.43 a month in the past year, according to analyst Mark Schilsky, a sales specialist at Bernstein Research. This price shift represents a 24% increase, compared to a roughly 3% increase in US consumer prices generally. 

In January, Warner Bros Discovery increased the price of an ad-free subscription to HBO Max for the first time since its launch in 2020. This increase arrived before HBO Max and Discovery+ merged to form Max, which costs $15.99 per month for an ad-free subscription. 

Next month, both Disney+ and Hulu’s ad-free tiers will experience price hikes, going from $10.99 a month to $13.99 per month and $14.99 to $17.99, respectively.

“In our zeal to grow global subs, I think we were off in terms of that pricing strategy, and we’re now starting to learn more about it and to adjust accordingly,” Bob Iger, the CEO of Disney, told The Wall Street Journal in March.

“I don’t think these companies are done raising prices,” Schilsky told Insider.

Aside from boosting prices, services are also cracking down on password sharing.

In May, Netflix rolled out its new password-sharing policy, charging subscribers $8 to add an extra user to their accounts. Disney+ is similarly looking to crack down on password sharing, with Iger saying on an August earnings call that the company is “actively exploring ways to address account sharing.”