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IntroductionWhen you complete the FAFSA, your school may offer you any one of three types of federal loans: subsidized loans, unsubsidized loans, and Direct PLUS Loans. If your college costs aren't covered completely by the aid offered through the FAFSA, you may have to take out private loans as well. You will have to pay those back, and these should be your last option as private loans often come with worse terms and protections than federal loans. Student Loans: These DO have to be repaid with interestYou can get various types of aid from the FAFSA, and you'll know what you qualify for once your school gives you your complete financial aid package. Ryan Wangman, CEPF Loans Reporter Ryan Wangman was a reporter at Personal Finance Insider reporting on personal loans, student loans, student loan refinancing, debt consolidation, auto loans, RV loans, and boat loans.

Persons: Ryan Wangman, Read Organizations: Loans, Chevron, Finance, Northwestern University, Boston Globe Locations: Iraq, Afghanistan

☆ Modi’s Hindu Utopia Is a Tawdry Mirage - The New York Times
▼ + stars: | 2024-04-18 | by ( Siddhartha Deb | ) www.nytimes.com time to read: +1 min

The sleepy pilgrimage city of Ayodhya in northern India was once home to a grand 16th-century mosque, until it was illegally demolished by a howling mob of Hindu militants in 1992. The site has since been reinvented as the centerpiece of the Hindu-chauvinist “new India” promised by Prime Minister Narendra Modi. I traveled to Ayodhya a year later and watched as the temple was hurriedly being built. Mr. Modi’s Hindu nationalism has fed distrust and hostility toward anything foreign, and the receptionists at my hotel were sullenly suspicious of outsiders. There was no hotel bar — a sign of Hindu virtue — and the food served was pure vegetarian, a phrase implying both Hindu caste purity and anti-Muslim prejudice.

Persons: India ”, Narendra Modi, Modi, Ram Locations: Ayodhya, India

☆ I was personal assistant to the billionaire founder of a secretive Wall Street firm. This is how I landed a meeting with him, from 10 personal reference calls to a 'Devil Wears Prada' interview moment
▼ + stars: | 2024-02-22 | by ( Carrie Sun | ) www.businessinsider.com time to read: +12 min

She has written a memoir about working for a secretive and wildly prestigious Wall Street hedge fund. Recruiters are one of the main gatekeepers for the hedge fund and private equity industries. I hadn't — but I had heard of Argon, a hedge fund that had long and widely been seen as financial royalty. A leading financial publication had called Carbon the world's hottest hedge fund. Another had named it one of the world's top-performing large hedge funds, ranking it among other hedge fund titans and their flagships, like Ray Dalio's Pure Alpha II and Ken Griffin's Citadel.

Persons: —, Carrie Sun, Sun, Beowulf Sheehan Yuna, Carrie, Yuna, Chang's, Meijer, Peter, Boone Prescott, He's, Peter glanced, Boone, Jen, you'd, Ruth, Maya, Warren Buffett, Ray, Ken Griffin's, Griffin, Anne Hathaway, Chanel Organizations: Service, MIT, New, Boone, Samsung, Ann Arbor ., College, Carbon, NYU, Alpha, Penguin Press Locations: China, Michigan, Jersey City, Kansas, Midtown, receptionists, Manhattan, Ann Arbor, United States, New York, New Jersey, Anhui, Barneys, Madison, America, Boone, Missouri

☆ Meet the 6 startups reimagining the future of customer engagement with generative AI
▼ + stars: | 2024-02-01 | by ( Sponsor Post | ) www.businessinsider.com time to read: +8 min

2023 was a breakout year for generative AI that significantly advanced how companies build and deploy AI-powered products and experiences. Out of the many applications, Twilio selected six exceptional startups that leveraged practical generative AI applications across healthcare, hospitality, logistics, and more. The honorees demonstrated extraordinary advances toward the future of trusted communications and customer engagement and proved the real promise of generative AI. By layering AI technology on top of legacy systems, FleetWorks is able to automate the most time-consuming part of logistics management: live order issue handling. Learn how to transform your communication channels with Twilio and Generative AI by visiting Twilio's website or by tuning into this recent webinar.

Persons: Twilio, Khozema Shipchandler, Brandon Leen, Sinead Bovell, Arist, Arist Arist, Fleetworks, Milo, Smith.ai Smith.ai Organizations: Twilio Ventures, BMO, DoorDash, World Health Organization, OpenAI, Insider Studios

Liu got the librarian job after a government-led campaign to secure temporary work for graduates, which analysts describe as a short-term solution to preserve social stability in a slowing economy with little on offer for young Chinese. Such "welfare jobs," as they are known in China, include roles as receptionists, office administrators, security guards and community workers. Various government institutions offer such jobs every year, but they had usually drawn applications from disadvantaged groups, such as elderly or disabled people. But state media editorials have also encouraged young graduates to take lower skilled jobs. Reuters GraphicsThe total take-up of short-term jobs and internships remains unknown, but social media posts commenting on the selection process and discussing career options are frequent and analysts expect such roles will be in demand in a slowing economy.

Persons: Peter Liu, Liu, Wang Jun, joblessness, Mao Zedong, Chen, Graphics Liu, Kripa Jayaram, Ellen Zhang, Shri Navaratnam Organizations: Reuters, Human Resources, Social Security, Huatai Asset Management, Graphics, Beijing, Thomson Locations: BEIJING, HONG KONG, Beijing, Henan, China, Chongqing

☆ Strike over: Kaiser Permanente unionized health care workers end their strike without reaching a deal
▼ + stars: | 2023-10-07 | by ( Samantha Delouya | ) edition.cnn.com time to read: +9 min

CNN —More than 75,000 unionized Kaiser Permanente employees are returning to work after a historic three-day strike. This week’s temporary work stoppage — the largest health care strike in US history — concluded at 6 am PT on Saturday without a deal. Kaiser Permanente healthcare workers rally outside Kaiser Permanente Los Angeles Medical Center in Los Angeles on Wednesday, October 4, 2023. Some issues affect the entire health care industryTo be sure, staffing issues do not only affect Kaiser Permanente. ECRI, an independent health care research firm, ranks the industry’s staffing shortage as the most significant risk to American patients.

Persons: —, Damian Dovarganes, ” Georgette Bradford, Julie Su, Su “, Joe Biden, Biden, Kaiser, hasn’t, ” Kaiser Permanente, Rocio Chacon, ” Chacon, Kaiser Permanente, Ryan Sun, James Bell, Christina Campbell, “, ” Campbell, Larriesha Malbrough, John Rudoff, ”, ‘, John August, Sal Rosselli, ” Rosselli, ECRI, Gerald Kominski Organizations: CNN, Kaiser Permanente, Kaiser Permanente Los Angeles Medical Center, Kaiser, “, Labor, Labor Department, United Auto Workers, ”, Employees International Union, United Healthcare Workers West, SEIU, Kaiser Permanent, AP, Service Employees International Union, Permanente, Coalition, Kaiser Permanente Unions, Kaiser Permanente . Nursing, National Union of Healthcare Workers, UCLA Center for Health Policy Research Locations: Los Angeles, Sacramento , California, California, Michigan, Washington, United States, Kaiser, California , Colorado, Washington and Oregon, Virginia, Baldwin Park , California, Portland , Oregon

☆ Kaiser Permanente's unionized healthcare workers continue strike across Washington, California, Colorado, and Oregon locations
▼ + stars: | 2023-10-06 | by ( Samantha Delouya | ) edition.cnn.com time to read: +4 min

Los Angeles CNN —The largest health care strike in US history is now in its third, and final, day. The temporary work stoppage will end at 6 am Pacific Time on Saturday morning, concluding a massive labor effort involving more than 75,000 health care workers and spanning four states. Picketers across California, Colorado, Oregon and Washington who are represented by a coalition of unions walked off the job Wednesday. Nearly 200 workers from Kaiser facilities in Virginia and Washington, DC, joined the picket lines for a single day on Wednesday, as well. Kaiser Permanente health care employees, joind by Union members representing workers, walk the picket line in Los Angeles during the second day of their strike on October 5, 2023.

Persons: Kaiser, Frederic J . BROWN, FREDERIC J . BROWN, Frederic J . Brown, Kaiser Permanente, CNN they’ve, Jennifer Fry, Fry, “, ”, Larriesha Malbrough Organizations: Los Angeles CNN, Unions, Kaiser Permanente, joind, Union, Getty Images, Getty, CNN Locations: California , Colorado , Oregon, Washington, Kaiser, Virginia, DC, Los Angeles, AFP, Vacaville , California

☆ Kaiser Permanente strike: How patients say the strike is impacting their health care
▼ + stars: | 2023-10-05 | by ( Jennifer Korn | ) edition.cnn.com time to read: +6 min

New York CNN —Over 75,000 Kaiser Permanente unionized employees walked off the job Wednesday in the largest health care worker strike in US history. One of the largest health care organizations in the country, Kaiser has 12.7 million members, according to the company. As a bus driver for the Orange County Transportation Authority, “I need those legs to drive,” Signorio told CNN Tuesday, citing the long wait for care. Michael Signorio, a Kaiser Permanente member, talked about the effects of the ongoing strike with CNN's Natasha Chen on October 4. During the last few months most of his doctors appointments have been rescheduled and overall everything has been very slow,” Fidel Vasquez told CNN over email.

Persons: —, Kaiser, Michael Signorio, ” Signorio, “ I’ve, ”, CNN's Natasha Chen, “ We’re, “ I’m, I’m, Christina Campbell’s, “, ” Campbell, Jennifer Fry, ” Fry, haven’t, ” Fidel Vasquez, Vasquez, Julie Zuchowski, Zuchowski, ” Zuchowski, ” Larriesha, ’ Organizations: New, New York CNN, Kaiser Permanente, DC, CNN, Orange, Orange County Transportation Authority, Kaiser Locations: New York, California , Colorado, Washington , Virginia , Oregon, Maryland, Washington, Colorado , Oregon, California, Los Angeles, Sunset, Orange County, Kaiser

☆ Day two: Kaiser Permanente unionized health care workers strike across California, Colorado, Washington and Oregon
▼ + stars: | 2023-10-05 | by ( Samantha Delouya | ) edition.cnn.com time to read: +7 min

CNN —The largest health care strike in US history is now in its second day after more than 75,000 Kaiser Permanente workers began walking off the job on Wednesday. In a statement, Kaiser Permanente said that labor shortages are an industry-wide problem. Striking Kaiser Permanente workers hold signs as they march in front of the Kaiser Permanente San Francisco Medical Center on October 04, 2023 in San Francisco, California. “So, their best choice is to be Monday through Friday in their cars.”In a statement, Kaiser Permanente said it is a leader in pay. This is the first ever national strike effort at Kaiser Permanente.

Persons: Kaiser Permanente’s, Andrew Caballero, Reynolds, Hilary Costa, Kaiser, Caroline Lucas, Anna Isaiah, transcriber, ”, “ It’s, Samuel Braslow, James Bell, Kaiser Permanente, Picketers, Permanente, Justin Sullivan, Rocio Chacon, ” Chacon, “ Organizations: CNN, Kaiser Permanente, Employees, Union, Professional Employees International Union, Getty, ”, Kaiser, Healthcare, Workers, Permanente, Kaiser Permanente San Francisco Medical Center Locations: California , Colorado, Washington and Oregon, Kaiser, Virginia, Washington, DC, Kaiser Permanente Springfield, Springfield , Virginia, AFP, Los Angeles, Los Angeles , California, San Francisco , California, Southern California, United States

☆ Kaiser Permanente workers start to walk off the job. It’s set to become the largest health care worker strike in US history
▼ + stars: | 2023-10-04 | by ( Samantha Delouya | ) edition.cnn.com time to read: +8 min

By 9 am ET, more than 75,000 Kaiser workers plan to join picket lines, marking the largest health care strike in US history. In the wake of pandemic, however, health care workers in particular have been fighting for safer and more secure work environments. Many health care employees are set to join the picket lines, including nursing staff, dietary workers, receptionists, optometrists, and pharmacists. Kaiser Permanente “members” pay dues to the organization to gain access to Kaiser Permanente’s wide-ranging health care services. The increased number of health care strikes have happened despite health care workers making up only about 9% of private sector union members nationwide.

Persons: Kaiser, Kaiser Permanente, James Santos, “, ”, Permanente, ” Renee Saldana, they’re, ’, “ Kaiser Permanente, CNN’s Chris Isidore Organizations: CNN, Kaiser Permanente, Kaiser, Washington DC, SEIU, UHW, “ Workers, United Auto Workers, Ford, General Motors, Writers Guild of America, Hollywood, of Labor Statistics Locations: Virginia, Washington, DC, United States, California , Colorado, Washington and Oregon, Kaiser, York City, “ Kaiser

☆ What Happens When Wall Street Buys Most of the Homes on Your Block?
▼ + stars: | 2023-09-16 | by ( Ronda Kaysen | Ella Koeze | ) www.nytimes.com time to read: +21 min

Alvin and Patricia Maisonet bought their house in Bradfield Farms almost a decade ago. Bradfield Farms fit the bill: It is in an area that, in 2020, was 35 percent Black and 11 percent Latino, according to census data. Tarchia Barber chose to rent in Bradfield Farms because of the neighborhood’s rural feel. The RentersTarchia Barber liked the rural feel of Bradfield Farms, with cul-de-sacs and shady streets surrounded by farmland and woods. A school bus drops off students in Bradfield Farms, a quiet neighborhood where parents say their children often roam freely.

Persons: Ronda Kaysen, Ella Koeze, Logan Cyrus Sept, “, Alvin Maisonet, Maisonet, Patricia Maisonet, Joggers, ”, Alvin, Kelli Enos, Cash, can’t, Laurie Goodman, “ Covid, David Howard, Keith R, Madeline Bankson, They’re, Jessica Moreno, Tarchia Barber, Barber, He’d, Nikki Sloup, Sloup, Becky Johnson, didn’t, Johnson, Jesus ”, Greg McBride, Hall, Brandon Little, Keller Williams, Bradfield, “ We’ve, Jade Rahmani, Keefe, “ It’s, ” Mr, Rahmani, Enos, ” Dana Hartness, James M, Hasty, Ms, Lisa Damas, Kasey, Jim Sylvester, Sylvester, Hartness, —, — she’s, Dana Hartness, She’s Organizations: →, HomeRiver, Investor, Vegas, Kansas City, Antonio, Houston, Investors, New York Times, Homeowners, “, Bradfield Farms, Charlotte Airport, NORTH, NORTH CAROLINA, SOUTH, CAROLINA SOUTH, Bradfield, Housing Finance, Center, Urban Institute, National Rental Home, Rentals, Florida State University, Equity, Bankrate.com, Sheree, Nationwide, Facebook, Mecklenburg Police Locations: Ronda, Charlotte, N.C, Bradfield Farms, Bradfield, Paterson , N.J, United States, ATTOM, Atlanta, Phoenix, Memphis, Birmingham, Ala, Orlando, Fla, Jacksonville, Tampa, Kansas, Mo, NORTH CAROLINA, CAROLINA SOUTH CAROLINA, “, American, North Carolina, New Jersey, Peru

☆ Some remote jobs will still be hot in 5 years, and others 'might not exist,' economists say—how to know the difference
▼ + stars: | 2023-05-05 | by ( Morgan Smith | ) www.cnbc.com time to read: +3 min

Remote jobs are vanishing. As of November 2022, remote jobs made up less than 14% of postings advertised on LinkedIn, down from a high of 20.6% in March 2022 — even though close to half of jobseekers prefer remote roles. The remote job market might be shrinking, but there is a silver lining for the millions of workers craving flexibility: Though some remote jobs will disappear, others will continue to be in demand for a long time. The remote jobs that 'might not exist' in five yearsCompanies are hiring fewer people for remote roles in the U.S. that can be outsourced to cheaper workers overseas or replaced with AI, says Bloom. Other remote jobs that "might not exist in five years" are in industries that prioritize office culture and see remote work as "less optimal, less productive," says Rachel Sederberg, a senior economist and research manager at the labor analytics firm Lightcast.

☆ Even if ChatGPT doesn't take your job, it could help another human replace you, says the economist who famously concluded AI could eliminate nearly half of US jobs
▼ + stars: | 2023-02-07 | by ( Jacob Zinkula | ) www.businessinsider.com time to read: +7 min

In 2013, Oxford economist Carl Benedikt Frey estimated that nearly half of all US jobs could be replaced by AI. So rather than having your job "outright replaced," Frey says, ChatGPT's adoption may ultimately result in a different outcome — being replaced by another human. That said, he believes the study's estimates regarding potential AI job replacement are still "broadly on target." "We may be more focusing on generating the right ideas, asking the right questions, things that are more interesting." That's because there are arguably some things ChatGPT can't learn from scouring data from millions of websites.

☆ Why your healthcare is about to get a lot more expensive
▼ + stars: | 2022-10-27 | by ( Juliana Kaplan | ) www.businessinsider.com time to read: +7 min

Supply-chain and labor shortages, along with pent-up demand, are increasing costs for healthcare. But they might be in for more bad news as healthcare costs rise. Premiums could rise even more in 2024 as higher healthcare costs settle in and get passed down to consumers. You can thank people flocking back to the doctor, more expensive equipment, and surging labor costs for your higher future bill. Labor costs are rising across the boardJob openings in healthcare are still elevated, and well above pre-pandemic levels, according to Fitch.

☆ Elon Musk's mom on raising successful kids: 'I didn't treat them like babies or scold them'
▼ + stars: | 2019-12-31 | by ( Maye Musk | ) www.cnbc.com time to read: +3 min

My middle child, Kimbal, started farm-to-table restaurants and is teaching children to build fruit and vegetable gardens in underserved schools. I tell them I did it by teaching them about hard work and letting them follow their interests. I started working for my dad when I was eight years old. When Kaye and I were 12, we started working in the clinic as receptionists. I taught them them importance of working hard and doing good things.

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