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☆ Millennial wealth is booming. It turns out avocado toast didn't tank them after all.
▼ + stars: | 2024-04-24 | by ( Juliana Kaplan | ) www.businessinsider.com time to read: +5 min

That rate of rapid wealth growth has never happened before in the data series' history, per the analysis, and it comes after wealth growth remained relatively stagnant for young Americans pre-pandemic. This data, as the authors of the CAP analysis note, suggests that wealth gains weren't just reserved for the top-earning millennials since both median and average wealth grew. "This suggests that the strong wealth growth for younger Americans is broad-based and not the result of strong growth of a handful of wealthy younger households," the authors write. As that report notes, financial assets were a major component of younger Americans' wealth growing. "We need to keep this robust labor market going and Congress needs to set its sights on younger Americans' greatest affordability challenge: housing," Duke said.

Persons: —, Gen X, Brendan Duke, Christian Weller, X, millennials, Duke, BI's Noah Sheidlower Organizations: Service, Center for American Progress, Federal, Business, Boomers, Federal Reserve's Survey, Consumer Finances, millennials, Liberty Street, Federal Reserve Bank of New Locations: millennials, Federal Reserve Bank of New York

In particular, the researchers looked at a group dubbed "disconnected youth," who aren't working and are also not in school. As of 2022, disconnected youth comprised 13% of this age group; that share has been rising overall since 1998, according to calculations from the Federal Reserve Bank of Dallas. AdvertisementYounger Americans are facing stagnant incomesThe Dallas Fed found that, even after a post-pandemic dip, the rate of disconnected youth has increased since the end of the 1990s. AdvertisementAnd the number of young adults with no income has been on the rise; in 1990, around one in five young adults said they had no wage or salary income. Are you or were you a "disconnected youth," or supporting one?

Persons: —, Louis, Gen, Zers, Louis Fed's, Louis Fed, William M, Rodgers III, Rodgers Organizations: Service, Louis Federal Reserve's Institute for Economic Equity, Business, Federal Reserve Bank of Dallas, Dallas Fed, Federal Reserve's Survey, Consumer, Louis Fed, National Health, Blacks, Louis, Louis Fed's Institute for Economic Equity

☆ Who are the HENRYs? Charts show who makes more than $200,000 and how they earn it
▼ + stars: | 2024-03-30 | by ( Juliana Kaplan | ) www.businessinsider.com time to read: +4 min

Unlike many older Americans with a higher net worth, these workers are what's called "HENRYs" — high earners, not rich yet. Most HENRYs are ages 40 to 49, although an impressive 5.3% are ages 20 to 29. Credit card balances keep reaching record highs, and Fortune found that American cardholders have, on average, $5,733 in credit card balances. Like other consumers, HENRYs carry some credit card debt, and just under half have credit card balances. Even so, HENRYs tend to earn their money the same way as most Americans: They work a job that earns wages.

Persons: —, HENRY, Gen Xers, HENRYs, BI's Noah Sheidlower, DINKS, Fortune Organizations: Service, Business, Consumer Finances

☆ Union households tend to have over $100,000 more in wealth than nonunion families, Federal Reserve data shows
▼ + stars: | 2024-03-21 | by ( Juliana Kaplan | ) www.businessinsider.com time to read: +3 min

The Center for American Progress, a left-leaning think tank, looked at just how much better union workers are faring. By analyzing the Federal Reserve's Survey of Consumer Finances, CAP found that in 2022, union households held $338,482 in median wealth. Black, nonunion households have a median household wealth of $61,500; meanwhile, Black union households hold around $164,6000 in median household wealth. Union membership rates have declined for decades, reaching a record low of 10% in 2023. The researcher VanHeuvelen previously told BI that the decline in union membership would be like if the wage premium for going to college disappeared.

Persons: it's, Zachary Parolin, Tom VanHeuvelen, VanHeuvelen Organizations: Service, American Progress, Reserve's Survey, Consumer Finances, CAP, Business, Bureau of Labor Statistics, Labor Statistics, of Labor Statistics, Research, Bocconi University, University of Minnesota Twin Cities, Workers, —, United Auto Workers, UPS Teamsters, SAG Locations: United States

☆ On their first date, he asked her if she had any debt. Today, they're a DINK couple in the world's most expensive city.
▼ + stars: | 2024-03-19 | by ( Shubhangi Goel | ) www.businessinsider.com time to read: +7 min

Ryan Tan and Corinne Chow are a DINK couple in Singapore. AdvertisementThe couple is part of a growing group of DINK — double income, no kids — couples around the world. Advertisement"Now when we go on holidays, we have a bit more disposable income," Chow said. People in comments and on private messaging often thank her for creating content about not having children, she said. And I know not having children has contributed largely to that expense."

Persons: Ryan Tan, Corinne Chow, DINK, —, Chow, Tan, DINK —, Singapore Chow, Corinne Chow Corinne Chow Chow, Port Ellen whiskeys, Glen Keith, Glen, Bihan Chen, I'm, Tiffany Wasiuk Organizations: Service, Consumer Finances Locations: Singapore, Port, Tokyo, China, Virginia, Tan

☆ Here’s why high interest rates haven’t caused a US recession
▼ + stars: | 2024-03-19 | by ( Bryan Mena | ) edition.cnn.com time to read: +5 min

America’s economy remains remarkably solid, despite the high interest rates. The Fed dramatically cut interest rates in the early days of the Covid-19 pandemic to help shore up an economy dealing with high unemployment, prompting mortgage rates to also drop in tandem. Those homeowners who locked in an affordable 3% mortgage rate, for instance, aren’t likely to trade it for anything higher. Fed officials reflected in their latest economic projections from December that they expect to cut interest rates three times this year, which would also lower mortgage rates. That all means that Americans have been well equipped to deal with the effects of high interest rates.

Persons: Jerome Powell, ” Powell, ” Dan North, Freddie Mac, ” Karen Manna, Federated Hermes, “, ”, Powell Organizations: DC CNN, Federal Reserve, Reserve, CBS, Allianz Trade, CNN, Fed, Employers, Consumer Finances, Federated Locations: Washington

☆ How much wealth you need to be in the top 1% in countries around the world
▼ + stars: | 2024-02-29 | by ( Noah Sheidlower | ) www.businessinsider.com time to read: +3 min

Americans need a minimum net worth of $5.8 million to be in the top 1% of US wealth. The number of ultra-high net worth individuals globally is expected to surge by 28% by 2028. AdvertisementAmericans need at least $5.8 million in net worth to be in the top 1% of wealth in their country — less than half of the 1% cutoff for Monaco. Wealth as measured by Knight Frank includes investments, cash, and assets such as residences. In 2022, the median net worth for the top 10th percentile was $2.56 million, whereas net worth was just $14,000 for those in the bottom 20th percentile.

Persons: —, Knight Frank, Liam Bailey, Frank, Bailey Organizations: Service, Monaco, US, Federal Reserve's Survey, Consumer Finances, Bank Locations: Monaco, Luxembourg, Switzerland, North America, India, China

☆ Sorry, parents: The American dream is only for DINKS
▼ + stars: | 2024-02-21 | by ( Alcynna Lloyd | ) www.businessinsider.com time to read: +5 min

Zillow determined that a family earning a median household income of $6,640 per month can expect to allocate $1,984 of that to childcare. It all adds up to a costly reality that's making the American dream of homeownership seem farther out of reach for parents than ever before. Based on the study, a new buyer household in the United States, making the median income, would spend 30% of it on housing. The upshot: Another group, less encumbered financially, appears better poised to realize the dream of homeownership: "DINKS," an acronym that stands for "dual income, no kids." "I paid $1,750 for rent in a crappy little apartment in California," Crossan told BI earlier this year.

Persons: —, Zillow, DINKS, Elizabeth Johnson, Johnson, Bartie Scott, Juliana Kaplan, Janelle Crossan, Crossan, Pengyu Cheng, Cheng Pengyu Cheng, Cheng Organizations: Service, US Department of Labor, Federal, Consumer Locations: Women’s, Los Angeles, San Diego, United States, Swiss, snorkeled, Hawaii, Canada, New Braunfels , Texas, Costa Mesa , California, California, Austin , Texas, Texas, San Francisco

☆ Meet the 'forgotten middle' of Americans over 75 about to face a rocky retirement
▼ + stars: | 2024-02-20 | by ( Juliana Kaplan | ) www.businessinsider.com time to read: +6 min

The 'Forgotten Middle' group might face difficulties affording necessary housing and care. AdvertisementA crisis is ballooning for middle Americans of retirement age. ”They focused on the potentially bleak financial futures of what they term the "Forgotten Middle." AdvertisementThat “Forgotten Middle” group is only expected to get bigger and more diverse. A University of Southern California and Columbia University analysis found that homeownership rates for lower-income “Forgotten Middle” Americans have fallen by 31% from 1994 to 2018.

Persons: —, ” Sarah Rayel, they’re, ” Rayel, There’s, Sen, John Hickenlooper, won’t Organizations: Service, University of Chicago, Health, University of Michigan, Medicaid, University of Southern, Columbia University, Consumer Finances, National Council, Aging, AARP, Democrat, Savings Locations: NORC, University of Southern California, Colorado

☆ Meet a millennial DINK who's been able to buy 2 boats and a convertible: 'You couldn't ask for a better life'
▼ + stars: | 2024-02-17 | by ( Juliana Kaplan | ) www.businessinsider.com time to read: +6 min

When Tiffany Wasiuk, 42, heard from her now-husband on their first date that he never wanted children, she was pretty much ready to marry him. “That was amazing that we actually met, and I found someone that never wanted children as well,” she said. The lifestyle choice has also meant a level of financial stability and preparedness that’s become a hallmark of DINKs. “And I know not having children has contributed largely to that expense.”AdvertisementLike many other DINKs, Wasiuk and her husband enjoy traveling. Her parents also had a boat at the marina, and they were able to join Wasiuk and her husband for boating adventures.

Persons: Tiffany Wasiuk, DINK, “, ”, —, who’s, that’s, that's, They've, I'm, Wasiuk, they’ve, we've, she’s, we'll, haven’t, It's Organizations: Service, Business, Consumer Finances, Wasiuk, Research Locations: Virginia Beach, Caribbean, Virginia

☆ Why Reparations For Slavery Are Long Overdue - The New York Times
▼ + stars: | 2024-02-13 | by ( Maura Cheeks | ) www.nytimes.com time to read: +3 min

In my debut novel, a family retraces their lineage in order to be eligible for the nation’s first federal reparations program for Black Americans. The idea that the United States could ever collectively support a national reparations policy for Black people seemed, well, the stuff of fiction. Since then, reparations task forces and commissions have been created in California, Illinois, New York and Pennsylvania. To address systemic inequalities rooted in federal law, a federal reparations policy is required. I decided to write about reparations after researching the racial wealth gap, the statistics of which continue to paint a picture of widespread systemic failure.

Persons: Jim Crow Organizations: Black Americans, Consumer Finances, National Association of Realtors, White Americans, White Locations: Evanston, Ill, United States, California , Illinois, New York, Pennsylvania, State

☆ Meet the typical millionaire: They're over 55, have a house worth nearly 7 figures, and are probably moving to Scottsdale
▼ + stars: | 2024-02-07 | by ( Juliana Kaplan | ) www.businessinsider.com time to read: +1 min

They're also flocking to cities like Austin, Scottsdale, and Miami. NEW LOOK Sign up to get the inside scoop on today’s biggest stories in markets, tech, and business — delivered daily. download the app Email address Sign up By clicking “Sign Up”, you accept our Terms of Service and Privacy Policy . Probably lots of Americans — but members of the rarified club are likely to be white, older, and college-educated. They're also making a return to New York City after a pandemic hiatus, as lower-earning New Yorkers decide to leave.

Persons: They're, — Organizations: Service, New, Wall Street, Federal Reserve Bank's Survey, Consumer, Business Locations: Austin, Scottsdale, Miami, New York City, America

☆ DINKs, Couples With No Kids, Are Living the New American Dream
▼ + stars: | 2024-02-07 | by ( Juliana Kaplan | Bartie Scott | ) www.businessinsider.com time to read: +12 min

DINKs are proudly emerging as an aspirational class for young people — and they're ready to live it up. So when she set up her dating profile, Johnson included in her bio that she didn't want to have kids of her own. Amy Blackstone, the author of the 2019 book " Childfree by Choice ," said that the financial gap between DINKs and couples with kids wasn't solely because of the choice about children. DINKs, GINKs, " rich aunties ," and DINKWADs — DINKs with a dog — have become aspirational identities for younger generations. There are the DINKs who can seize the American dream and the parents who are struggling to stay afloat in a country without guaranteed paid leave or affordable childcare .

Persons: Elizabeth Johnson, Johnson, DINK, DINKs, they've, there's, Amy Blackstone, it's, Alex Killingsworth, Killingsworth, Marcia Drut, Davis, Drut, Blackstone, she'd, Gen Z, That's, X didn't, Zachary P, Neal, Jennifer Watling Neal, millennials —, I've, Marcia, she's Organizations: of, Johnsons, Minneapolis townhome, Federal, Consumer Finances, Broadway Locations: Florida, Swiss, Hawaii, Oregon, Canada, Alaska, Dominican Republic, of America, Minneapolis, Texas, New York, Michigan, Drut

☆ DINKs in their 50s who are on track to retire early explain what being childfree has meant for their lifestyle and finances
▼ + stars: | 2024-01-30 | by ( Juliana Kaplan | ) www.businessinsider.com time to read: +6 min

They didn't necessarily set out to become DINKs, but it's a lifestyle that's worked well. AdvertisementWendy and Steve Thomas didn't necessarily set out to be DINKs, but it's a lifestyle that's worked out for them. Wendy Thomas, 55, and Steve Thomas, 51, are a California-based couple in a growing legion of Americans who are DINKS — households that are double income, with no kids. It's a lifestyle they "fell into," according to Steve Thomas, who works in the golf maintenance industry. AdvertisementAnd the couple isn't out proselytizing the DINK lifestyle, although it can elicit a lot of questions from strangers.

Persons: Wendy, Steve Thomas, that's, —, Steve Thomas didn't, Wendy Thomas, They've, DINK, she's, Steve, they're, Gen, Zers, DINKs, there's, it's Organizations: Service, redwoods, Census Bureau, Federal Reserve's Survey, Consumer Finances Locations: California, Southern California

The business group’s consumer confidence index rose to 114.8 from a revised 108 in December. The present situation Index – a measure of current business and labor market conditions – surged to 161.3 from 147.2 last month. And it comes as the Federal Reserve is meeting in Washington to set interest rate policy, with economists forecasting the central bank will hold interest rates steady. But, he adds, “The Fed’s not going to change” at its first meeting of 2024 that began on Tuesday and do anything other than hold interest rates steady for the fourth meeting in a row. The index often leads other consumer sentiment surveys by two to three months, says Legal Shield CEO Warren Schlichting.

Persons: ”, Dana Peterson, Stephen Rich, Melissa Brown, Jerome Powell, Gene Goldman, Warren Schlichting, Schlichting, it’s Organizations: Conference, Mutual of America Capital Management, Federal Reserve, Investment Management, “, Labor Department, ADP Locations: U.S, Washington

☆ Opinion | What Trump Voters Understand About the Economy
▼ + stars: | 2024-01-15 | by ( Roger Lowenstein | ) www.nytimes.com time to read: +1 min

Why is Donald Trump continuing to poll so strongly with voters? As unpalatable as a second Trump term would be, many pundits who tackle this question have ignored a striking fact: The typical household’s living standard improved during the three Trump years before the pandemic. The old saw that Mussolini got the trains to run on time should not be understood as an endorsement. But it is one thing to loathe Mr. Trump and hope for his defeat. The leitmotif in such arguments is that blue voters are rational political actors voting on merit while Trump is appealing primarily, if not exclusively, to irrational semi-citizens devoid of even self-interested calculation.

Persons: Donald Trump, Biden, Mussolini, Mr, Trump, ” Organizations: Trump, Survey, Consumer Finances

☆ Boomers Haven't Saved Enough for Retirement; Gen Z Will Have to Pay
▼ + stars: | 2024-01-10 | by ( Ann C. Logue | ) www.businessinsider.com time to read: +11 min

According to Census Bureau data, 44% of boomers are at retirement age and millions more are soon to join them. And since younger boomers are less financially prepared for retirement than their older boomer siblings, the problem is bound to get worse. AdvertisementAs boomers continue to age out of the workforce, it's going to put strain on the healthcare system, government programs, and the economy. Not all boomers are richIt's undeniable that some boomers will enjoy a cushy retirement. The median retirement account for that age group has only $200,000 — meaning that half of 65- to 74-year-olds have even less saved up.

Persons: —, it's, Rita Choula, Stevie Kuenn, Kuenn, Choula, Caregiving, Gen Organizations: Federal, AARP, Institute, Consumer Finances, Social Security, National Council, Medicare, Pew, National Alliance, American Health Care Association, Department of Homeland Security Locations: —, Chicago, Ohio, America

☆ From student loan forgiveness to tech layoffs, 7 of the biggest money stories from 2023
▼ + stars: | 2023-12-30 | by ( Kamaron Mcnair | In Kamaronmcnair | ) www.cnbc.com time to read: +5 min

Mortgage rates hit 8%When average rates on 30-year fixed-rate mortgages hit 8% in October, those already exhausted with the state of the housing market may have seen their stress hit new levels, too. While they're not rising as quickly as in 2022, prices on everyday items from groceries to gas remained high through 2023.Credit card debt hit $1.08 trillionContrary to a boost in household wealth, consumer credit card debt hit a new high. In November, Americans' cumulative credit card debt crossed the trillion-dollar mark as spending remained strong despite still-elevated prices. The average net worth among U.S. households rose to $1.06 million in 2022, up from $868,000 in 2019, the survey found. Keep in mind that average net worth can be skewed by ultra-wealthy households, which are few in numbers but rich in assets.

Persons: Jerome Powell, Joe Biden's, It's, they're Organizations: Federal Reserve's Division of Research, Statistics, Conference, New York Fed, Fed, U.S . Bureau of Labor Statistics, U.S ., Consumer, Federal Reserve, Tech Locations: U.S

But is there a way to figure out exactly how much you should save each month? Around 20% of your income (after taxes) is a good amount to save each month, according to the 50-30-20 budget and 70-20-10 budget. Over time, you can may find that you can save more each month — going from $20 to $30, and so forth. A person with that income would need to save around $660.50 per month if they are using the 50-30-20 budget rule. The amount each person should save per month will likely depend on their savings goals and current budget, though.

Persons: Patrina Dixon, Dixon, You'll Organizations: Quicken, Fidelity Investments, United States Census Bureau, Consumer Finances Locations: CFEI, U.S

☆ Millennials say they need $525,000 a year to be happy. A Nobel prize winner's research shows they're not wrong.
▼ + stars: | 2023-11-21 | by ( Ayelet Sheffey | ) www.businessinsider.com time to read: +4 min

For millennials, happiness would come from a $525,000 annual salary. Still, high inflation, interest rates, and student loans damper Americans' financial happiness. Here's what each generation said they need to earn annually, as well as the net worth required, to achieve happiness:Gen Z: $128,000, with a net worth of $487,711Millennials: $525,000, with a net worth of $1,699,571Gen X: $130,000, with a net worth of $1,213,759Boomer: $124,000, with a net worth of $999,945AdvertisementMen said they needed to earn $381,000 annually, while women said $183,000 would make them happy. The latest economic data could make Americans' financial happiness goals more achievable. AdvertisementThe latest Survey of Consumer Finances from the Federal Reserve, however, had a glimmer of hope for millennials when it comes to net worth.

Persons: —, Daniel Kahneman, Matthew Killingsworth, Angus Deaton, millennials Organizations: Service, Penn's Wharton School, Federal, Consumer Finances, Federal Reserve

☆ Now that inflation is slowing, here's when 10 experts think we'll see a recession
▼ + stars: | 2023-11-16 | by ( Jacob Zinkula | Ayelet Sheffey | ) www.businessinsider.com time to read: +7 min

High interest rates could slow consumer spending and lead to layoffs. Since March 2022, the Federal Reserve has hiked interest rates 10 consecutive times to fight inflation as the country emerged from its pandemic recovery. Here's how experts are feeling about the economy headed into the new year, and whether they think a recession is on the horizon. Some think a recession is likely in 2024Some experts predict high interest rates will take a toll on the economy, making a recession likely sometime next year. AdvertisementOthers think a recession is unlikely in 2024Other experts don't see a recession hitting the US economy in the next year.

Persons: —, Janet Yellen, Jerome Powell, he's, Ken Griffin, we're, Griffin, Arend Kapteyn, Bhanu Baweja, Marc Lasry, Lasry, Rob Arnott, Jeffrey Gundlach, Bill Adams, Raphael Bostic, Brian Moynihan, Goldman Sachs, Jan Hatzius, Goldman, Hatzius Organizations: Service, Federal Reserve, Bloomberg, Citadel, UBS, Capital, National Bureau of Economic Research, CNBC, DoubleLine, Comerica Bank, Atlanta Federal Reserve, UCLA, Bank of America, Reuters Locations: United States, Dallas, Atlanta

☆ Why Great G.D.P. Growth Isn’t Good Enough for Bidenomics - The New York Times
▼ + stars: | 2023-11-16 | by ( Karen Petrou | ) www.nytimes.com time to read: +2 min

Bidenomics’ mortal enemy isn’t Donald Trump — it’s a reliance on aggregate and average numbers that masks the nature of the economy Americans experience. Although the Fed’s most recent Survey of Consumer Finances showed that wealth inequality has dipped a bit because of recent, generous fiscal spending, income inequality is worse than ever. In a nation this unequal, the income generated by a growing G.D.P. may look robust, but 64 percent of households live paycheck to paycheck from time to time, according to a March consumer survey. These families are barely making it through the week, let alone accumulating the wealth essential for financial resilience and, over time, financial security.

Persons: Donald Trump — Organizations: Consumer Finances, White, Harris Locations: United States

☆ Meet the typical HENRY: Urban 32-year-olds with no kids who make a six-figure income and have a college degree
▼ + stars: | 2023-11-14 | by ( Noah Sheidlower | ) www.businessinsider.com time to read: +8 min

The typical HENRY — high earner, not rich yet — is 32, lives in a city, and makes six figures. The typical HENRY — or high earner, not rich yet — is an urban 32-year-old without kids, makes a six-figure income, and has lots of student debt. This is according to data on 1,500 clients shared with Insider from Stash Wealth , a financial advisor for HENRYs . Five HENRYs told Insider they're saving upwards of 40% to 70% of their income each year. Given many HENRYs got an undergraduate degree, with some pursuing doctorates, student loans are particularly elevated, as the average HENRY student loan balance comes in at $80,000.

Persons: HENRY, HENRYs, —, HENRY —, Priya Malani, Savannah White, She's, White, Gen, Sherry, Zer, Malani, Sarah Baus, it's, Baus Organizations: Service, HENRYs, Shash, Federal Reserve's Survey, Consumer Finances, Bank of America Institute, Olive, SC Locations: New York City, Los Angeles, Savannah, Charleston

☆ How traders are positioning ahead of earnings this week, including an upside bet on this chip stock
▼ + stars: | 2023-11-13 | by ( Michael Khouw | ) www.cnbc.com time to read: +8 min

Let's review how options traders are positioned ahead of the key results due this week. A put seller is willing to get long the stock at the put strike in the event the stock price declines below that level — essentially they are selling insurance to other investors who are betting on a potential decline. So if you hold the stock, maybe wait until after earnings to sell covered calls, and if you don't, wait until after earnings to sell cash covered puts. We saw decent activity in the November $157.50 calls, however earnings were most likely not the catalyst that prompted the bullish activity. DISCLOSURES: (Long Home Depot, Target, TJX, Walmart, Applied Materials) THE ABOVE CONTENT IS SUBJECT TO OUR TERMS AND CONDITIONS AND PRIVACY POLICY .

Persons: Russell, Tyson, It's, Fisker Organizations: Tyson Foods, TSN, Target, Walmart, Materials, Taiwan Semiconductor, Applied Locations: LCID, 19times

That's the assessment of a new report released on Thursday by the American Academy of Arts and Sciences (AAAS). There is growing concern about a contradiction in the U.S. economy: jobs are plentiful and economic growth is strong, especially compared with other advanced economies, but surveys show many Americans are sour about the outlook. A key part of the report is a new tool developed to measure the well-being of Americans, which combines 11 different measures. Researchers around the world have long sought to find better ways to gauge the well-being of people that look beyond measures such as economic growth or unemployment. Reuters GraphicsOne unique part of the measure is an attempt to quantify the "political voice" of Americans.

Persons: Gaelen Morse, Matthew Slaughter, Nicholas Lemann, there's, Lemann, Jacob Hacker, Timothy Aeppel, Paul Simao Organizations: REUTERS, American Academy of Arts and Sciences, Dartmouth College's Tuck School of Business, Federal Reserve, U.S . Census, Columbia Journalism School, Reuters, Yale University, Thomson Locations: Columbus , Ohio, U.S, America

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