Bill Gates sold 5.93 million Microsoft and 2.48 million Berkshire Hathaway shares in Q3, reducing stakes in both companies. Meanwhile, he increased his FedEx holdings by 65%, signaling confidence in the logistics firm's restructuring efforts. Also, are you planning to move? Check out which US State is the least expensive for maximum savings in today's Money Making Moves:  

> The Bill & Melinda Gates Foundation Trust reduced its Microsoft stake by 17% in Q3, selling 5.93 million shares but retaining MSFT and Berkshire Hathaway as its top two holdings. Gates also sold 2.48 million Class B shares of Berkshire Hathaway, coinciding with Warren Buffett’s decision not to repurchase shares, suggesting overvaluation concerns. Meanwhile, Gates boosted his stake in FedEx by 65%, buying 1 million shares as the logistics giant undergoes significant restructuring and cost-cutting initiatives. Separately, Microsoft faces a US Federal Trade Commission antitrust probe, scrutinizing its cloud computing and AI business practices due to market dominance and potential cascading economic impacts.

> Tesla is reigniting speculation about a potential Cybertruck debut in China after the vehicle was spotted at a BYD facility and filed for energy consumption evaluation with China's MIIT, receiving an Automobile Energy Consumption Label. The Cybertruck is classified as an M1 passenger vehicle with a range of 618 kilometers and features a tri-motor configuration, highlighting Tesla's ambitions to redefine the electric pickup segment. Despite previous denials of plans to sell the Cybertruck in China, the vehicle's growing regulatory engagement and public interest during its China tour suggest a deeper focus on the market. BYD's analysis of the Cybertruck at its facility adds intrigue, possibly reflecting competitive benchmarking in the evolving EV space.

> Walmart is testing body cameras for employees in the Dallas, Texas area to enhance worker safety and evaluate their effectiveness before deciding on a wider rollout. The cameras, provided by Axon, are similar to models used by law enforcement and have been designed for retail and healthcare workers. Early trials of body cameras in retail settings, including Walmart and TJ Maxx, have shown success in reducing incidents of workplace violence and de-escalating confrontations. A Walmart-branded guide instructs employees on using the cameras, which have garnered mixed reactions from shoppers and sparked discussions online.

Starting a travel planning business is a creative and rewarding venture, offering perks like discounted hotel rates and insider access to airlines and tour guides. Specializing in a niche, such as South America adventures or Iceland trips tailored for college students or seniors, can set your services apart. This flexible business can be operated from home or anywhere globally, making it perfect for travel enthusiasts. With earning potential between $35,000-$67,000 annually, it combines passion with profitability.

Transforming your basement into an exercise studio is a cost-effective way to start a yoga, meditation, or pilates business without the expense of renting a separate space. By utilizing your home, you can create a welcoming environment for clients while keeping overhead costs low. This side hustle has the potential to generate significant income, with some earning up to $3,000 a month. It’s an ideal opportunity for fitness enthusiasts looking to turn their passion into profit.

> Small business and farm loans declined in 2023 due to rising interest rates and stricter lending standards, according to federal banking agencies overseeing the Community Reinvestment Act (CRA). Loan originations dropped by 5.1% for small businesses and 5.6% for small farms, with the total loan dollar amounts decreasing by 8.9% and 5.2%, respectively. Most small business loans (94.9%) and small farm loans (80.2%) were for amounts under $100,000, with over half going to firms earning $1 million or less annually. The economic climate has made it challenging for businesses to secure financing, with only 8.5% of SMBs finding working capital loans easily accessible. For quality financial knowledge on loans and credit scores, click here. 

> California continues to dominate as home to the most expensive metro areas in the U.S., while the least expensive metros are predominantly in the South. In 2023, California's regional price parity was 12.6% above the national average, with San Francisco-Oakland-Berkeley 18% higher and San Luis Obispo-Paso Robles 11% higher. Non-Californian pricey metros included Seattle, New York, Miami, Boston, and Honolulu. On the other end, Pine Bluff, Arkansas, was 20% less expensive than the national average, reflecting the trend of lower costs in Southern states.

> Haliey Welch, a viral TikTok star known for her "hawk tuah" advice, faces backlash after her cryptocurrency, HAWK, collapsed, leaving investors with significant financial losses. Initially valued at $500 million, the coin lost 95% of its value minutes after launch, sparking accusations of a "pump and dump" scheme. Many fans lost life savings, with some alleging the HAWK team hoarded 97% of the token supply for profit, reportedly pocketing over $5 million. Investors are now pursuing legal action and filing complaints with agencies like the SEC and FTC to recover their losses.