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Life insurance is a contract between you and an insurance company, where the insurer promises to pay a beneficiary when you die. A financial planner recommends business owners and private student loan borrowers get life insurance. Here are four types of people who should have life insurance, according to Betts. People with private student loansFederal student loans are discharged after the borrower dies, but borrowers with private student loan debt may face different circumstances. Insider's Featured Life Insurance Companies Lemonade Life InsuranceNationwide Life InsuranceGuardian Life Insurance Chevron icon It indicates an expandable section or menu, or sometimes previous / next navigation options.

☆ Should you apply early to college? Here’s what the experts say about this 'strategic game'
▼ + stars: | 2022-10-22 | by ( Jessica Dickler | ) www.cnbc.com time to read: +5 min

What to know about early action versus early decisionWhether it's nonbinding early action or early decision, which is binding, the deadlines for these types of applications are typically Nov. 1 or Nov.15 for a December decision, or even earlier for rolling admission. "A lot of people view early action or early decision as interchangeable," said Eric Greenberg, president of Greenberg Educational Group, a New York-based consulting firm. However, "early action, in certain cases, makes no difference in admission." Early decision, on the other hand, can "help leverage someone's admissions chances." watch now"If someone is applying early decision or early action and gets in, at that point in the calendar there's more money available," Greenberg said.

☆ Ukraine troops say Russian woes could preface pullback in south
▼ + stars: | 2022-10-21 | by ( Jonathan Landay | ) www.reuters.com time to read: +4 min

Ukrainian forces began moving in August to reclaim Kherson, a strategically important ship-building centre on the sprawling Dnipro River. In recent weeks, they have driven the Russians back 20-30 kms (13-20 miles) on parts of the battlefront. Russian-appointed occupation authorities this week began evacuating thousands of civilians from Kherson to the southern bank, denounced by Kyiv as forced deportations. The troops said that they would not allow the Russians to retreat without a fight. Register now for FREE unlimited access to Reuters.com RegisterReporting by Jonathan Landay, Editing by Rosalba O'BrienOur Standards: The Thomson Reuters Trust Principles.

☆ WBC champion Fury to fight Chisora for third time
▼ + stars: | 2022-10-20 | by ( Martyn Herman | ) www.reuters.com time to read: +3 min

The 34-year-old Fury will face veteran Chisora on Dec. 3 having beaten him comfortably in 2011 and 2014. At a news conference at the Tottenham stadium on Thursday, Fury explained why he is fighting Chisora again. We offer it to Derek Chisora and boom. With Derek Chisora you get what it says on the tin. Warren said provided Fury beats Chisora, he could face Usyk in February, but not in the UK.

☆ The Columbus, Ohio, Warehouse Boom: How warehouses brought stifling dust and diesel fumes — and a chance for refugees to grab the American dream
▼ + stars: | 2022-10-19 | by ( Emma Cosgrove | Katherine Long | ) www.businessinsider.com time to read: +27 min

What binds them, despite different nationalities, immigration stories, and languages, are warehouse jobs. As Columbus' warehouse development begins encroaching into residential areas, a consensus is gathering here — as it has elsewhere — that warehouses make for poor neighbors. Tariq Tarey for InsiderIn Canal Winchester, Halstead's efforts to put the question of warehouse development before voters were stymied. The town council bypassed her group's referendum by declaring a state of emergency to approve the warehouse development. There aren't clear lines between the winners and losers of Columbus' warehouse boom.

☆ I'm a 22-year-old student making $200 an hour as a notary signing agent. It's shocking how much I can make for such an easy side hustle.
▼ + stars: | 2022-10-18 | by ( Dorothy Cucci | ) www.businessinsider.com time to read: +10 min

Andrea Morgan is a 22-year-old notary signing agent who makes up to $200 for a single signing. This as-told-to essay is based on a conversation with Andrea Morgan, a 22-year-old student and notary signing agent who works in California. A notary signing agent is quite different from a notary public. It only took me $1,600 to start my business as a certified notary signing agentAfter I became a notary public, I had to become a certified notary signing agent. You can literally Google "notary signing services near me" to find them, but there are also popular platforms that notary signing agents use, such as SigningOrder, Snapdocs, and Notary Rotary.

☆ CEO David Solomon Is Restructuring Goldman Sachs Again
▼ + stars: | 2022-10-18 | by ( Michelle Abrego | ) www.businessinsider.com time to read: +5 min

David Solomon is changing up Goldman Sachs divisions like he switches tracks. Goldman Sachs's third restructuring in four years comes as insiders have been questioning the direction that Solomon is taking the storied investment bank in. But first, read Dakin's rundown of who's up and who's down in the latest Goldman Sachs restructuring under CEO David Solomon. The Swiss bank's investment bank chief Christian Meissner is also set to leave the company in the coming weeks. Keep updated with the latest business news throughout your day by checking out The Refresh from Insider, a dynamic audio news brief.

☆ Small talks to defuse big pressure around Indo-Pak game
▼ + stars: | 2022-10-15 | by ( ) www.reuters.com time to read: +2 min

Excitement is already building for the Oct. 23 blockbuster between the former champions in Melbourne but India captain Rohit sought to downplay the hype around one of cricket's greatest rivalries. "At the Asia Cup, and now here, whenever we meet, we talk about how things are back home, how the families are," Rohit said. "The previous generation of cricketers told us they too used to chat about these things -- 'how's life? Whenever we come across, I try to tap into his experience since he has served India for such a long time. Register now for FREE unlimited access to Reuters.com RegisterReporting by Amlan Chakraborty in New Delhi; editing by Michael PerryOur Standards: The Thomson Reuters Trust Principles.

☆ I was 'Euphoria' star Colman Domingo's assistant for a year. Here's why he was the best boss I've ever had.
▼ + stars: | 2022-10-13 | by ( Eboni Boykin-Patterson | ) www.businessinsider.com time to read: +10 min

Higgins was the executive assistant for "Euphoria" actor Colman Domingo for a year. I would love to work with another Black and queer individual and see what I could learn. He's an influential Black queer man who uses his influence to help other people like him break into the industry. Now, years later, I've started to notice that when I'm working on documents, I'm slowing down to really read them. He was the best boss I've ever hadWhen I was hired in the role, I knew it would only be for a year.

☆ I'm BCG's head of talent. Here are 3 qualities all top candidates have — and the one tricky question I like to ask.
▼ + stars: | 2022-10-12 | by ( Robin Madell | ) www.businessinsider.com time to read: +5 min

Amber Grewal is a managing director, partner, and head of global talent at Boston Consulting Group. This as-told-to essay is based on a conversation with Amber Grewal, a managing director, partner, and the head of global talent at Boston Consulting Group in San Francisco, California. Before BCG, I was the chief talent officer at Intel, supporting their talent strategy and management, and before that, I was the corporate VP of global talent acquisition at IBM. The easiest and most effective way to show curiosity is to ask questions. When I ask questions like this, which may seem random and throw the candidate off, I'm looking forward to the approach the interviewee will take.

☆ Bridgewater's co-CEO explains how the hedge fund, famous for its brutally honest culture, will evolve for the next generation of employees
▼ + stars: | 2022-10-12 | by ( Alyson Velati | ) www.businessinsider.com time to read: +4 min

Co-CEO Nir Bar Dea is already making changes to its famously radically transparent culture. Bridgewater Associates' co-CEO Nir Bar Dea is looking to make some changes to its controversial culture as founder Ray Dalio takes a step back. "The ideas are different," Dea said speaking at the Bloomberg Invest event Wednesday. Changing the culture for the next generationThe culture changes are already underway, said Dea. In a tweet last week, Ray Dalio said that he would give up control of the $150 billion hedge fund.

☆ I built a treehouse for fun and it now books 2 years out on Airbnb. Here's how I set up the $389-a-night rental that made enough for me to quit my job.
▼ + stars: | 2022-10-07 | by ( Jamie Killin | ) www.businessinsider.com time to read: +6 min

He started renting the unique home on Airbnb and now has guests booked two years in advance. The Airbnb has become so popular that Bahouth was able leave his job and pursue hosting full-time. I built my treehouses 24 years ago, and I never imagined them as an Airbnb. Then I said to myself, "You know what, there's one way to get out there, and that's to build that treehouse." That's the only way you can survive in this, and that's why I'm doing fine financially.

☆ Trump told a blatant lie in his latest fundraising text — and his scare tactics could make vulnerable seniors the biggest losers
▼ + stars: | 2022-10-04 | by ( Dave Levinthal | ) www.businessinsider.com time to read: +7 min

A text message sent to prospective donors on October 4, 2020, by Donald Trump's political fundraising operation. There's also no "membership bill" for donors to view, because Trump's committee doesn't send donors bills. Trump's political operation has also recently blasted MAGA Republicans with other bogus fundraising missives. Misleading political fundraising messages are hardly a new phenomenon. Fat from contributions raised through emails and text messages, Save America reported having nearly $92.8 million cash on hand as of August 31, according to Federal Election Commission records.

☆ A musician raised an AI 'baby' to harmonize with — and her newest experiment could usher in a brave, new world of art
▼ + stars: | 2022-09-29 | by ( Drew Austin | ) www.businessinsider.com time to read: +10 min

In the world of art, misgivings about AI have been particularly acute. Despite this widespread apprehension, Holly Herndon — an experimental musician and artist — doesn't think AI is nefarious or will ruin art. In her blog post announcing Holly+, Herndon said she envisioned a future where digitally created voices "soon become standard practice for artists and other creatives." While the project has yielded an ever-growing array of fascinating art, Holly+ also raises questions about the future of that art. (Anyone can use the Holly+ voice tool itself without submitting the output to the DAO, however.)

☆ Amazon dominates the $113 billion smart home market — here's how it uses the data it collects
▼ + stars: | 2022-09-28 | by ( Katie Schoolov | ) www.cnbc.com time to read: +12 min

Then in 2019, it paid $97 million for a mesh Wi-Fi system called Eero to help connect multiple smart devices in the home. Amazon's Eero mesh WiFi systems are shown inside the Amazon smart lab in Seattle, Washington, on September 9, 2022. Amazon's Ring Video Doorbell 4 is shown at the Amazon smart home lab in Seattle, Washington, on September 9, 2022. Or you may have actually told Alexa, 'Alexa, I'm leaving,' and to switch on your alarm system, for example," Koopmans said. Amazon's Smart Thermostat is shown inside the Amazon smart lab in Seattle, Washington, on September 9, 2022.

☆ I coordinated sex scenes for 'Blonde,' the new NC-17 Marilyn Monroe biopic with Ana De Armas. Here's how I protect actors' boundaries.
▼ + stars: | 2022-09-27 | by ( Eboni Boykin-Patterson | ) www.businessinsider.com time to read: +10 min

This as-told-to essay is based on a conversation with Jean Franzblau, an intimacy coordinator based in Los Angeles, CA. My first intimacy coordinator job was 'Blonde,' Netflix's new NC-17 filmThe original intimacy coordinator who worked on "Blonde," the new Marilyn Monroe biopic, recommended that I replace her when she had to leave the production. Luckily, it worked out well — and once recommended, getting my first intimacy coordinator job on a big production was smooth. Just like any production job, work can be sporadicSometimes I'm working as an intimacy coordinator, and sometimes I'm not. The best way to get started as an intimacy coordinator is to start with student films and short films.

☆ YouTubers are pushing dodgy crypto investment advice. Here’s why you should ignore it.
▼ + stars: | 2022-09-26 | by ( Rob Price | Meghan Morris | ) www.businessinsider.com time to read: +15 min

Together, these revenue streams mean cryptocurrency influencers profit off their viewers no matter which way the market turns. Of course, crypto YouTube is a far cry from the regulated world of traditional finance. Armstrong told the Post that he made "maybe close to a million" from before dropping sponsored content in January 2022. A price list leaked by ZachXBT appears to show that dozens of small crypto influencers also have menus for similar undisclosed deals. But with little regulatory oversight, crypto influencers show little sign of slowing down — despite the precipitous decline of the crypto market.

☆ 'Queer Eye's Karamo Brown on the morning routines that keep him motivated
▼ + stars: | 2022-09-24 | by ( Ashton Jackson | ) www.cnbc.com time to read: +3 min

To help others be positive and productive, Brown shared the steps he takes to stay motivated in the morning and throughout the day. While getting ready for work, Brown makes sure that he practices positive affirmations. Brown recommends that people make time in the morning to do an activity they love. According to Brown, practicing self-love and positive mental health doesn't end at home. Because a lot of times we just assume that the people in our lives love us," Brown explains.

☆ FedEx's Shopify strategy could prove costly as e-commerce cools and logistics firms fight over small business, analysts say
▼ + stars: | 2022-09-23 | by ( Emma Cosgrove | ) www.businessinsider.com time to read: +5 min

The logistics giants are taking different paths when it comes to e-commerce platforms like Shopify. "Every entity in the parcel-delivery market — i.e., UPS, FedEx, USPS, Amazon Logistics, and every third party out there — is looking to that SMB customer," Shanker said. UPS and FedEx are taking opposite approachesMany small e-commerce businesses buy their shipping services through the online platforms they use to sell their products. "They want you to click on the FedEx logo because you think FedEx is great." "I think while FedEx talks about its focus on SMB shippers, I think UPS is actually executing on it," said Rick Watson, the CEO of RMW Commerce Consulting.

☆ This is what Starbucks workers really think about the chain's changes to how they'll make cold brew and other iced drinks
▼ + stars: | 2022-09-22 | by ( Mary Meisenzahl | ) www.businessinsider.com time to read: +4 min

Insider spoke to nine US Starbucks workers to hear their thoughts on the announcement. Workers told Insider that they want changes that will make their jobs easier, but not at the expense of their craft. And a new system for making cold brew is even more of an overhaul: So called "cold-pressed" technology will allow baristas to make cold brew in a few seconds compared to the 20 hours it now takes to brew the stuff. And cold drinks are important to the company: Iced drinks now make up about 70% of Starbucks' sales, CEO Howard Schultz said recently. "I think the new cold brewer will save a ton of time and tedious work," a supervisor from Detroit told Insider.

☆ I've lived rent-free all year by house-sitting. Here's the script I use and my best tips to land great homes.
▼ + stars: | 2022-09-21 | by ( Alice Draper | ) www.businessinsider.com time to read: +6 min

The money I've saved is equivalent to what I'd have spent on long-term rentals or short-term Airbnb rentals. My tiny studio in Durban was $220 a month, excluding utilities, and it was in a cheap area in someone's backyard. The trade-off is I get free accommodation, while the homeowner gets free house- and pet-sitting. I've received multiple invitations for house-sits that I didn't apply for, including a six-month house-sit in Costa Rica that I wasn't available for. Under "My experience," the final section, I detailed the type of house-sits I've done and the various animals I've looked after.

☆ Old money: How retirees are funding and fueling political candidates unlike ever before
▼ + stars: | 2022-09-20 | by ( Madison Hall | ) www.businessinsider.com time to read: +10 min

In the 2020 election cycle, retirees gave hundreds of millions of dollars to federal candidates. Crystal Snow, a 60-year-old retired business owner, also donated hundreds of times to Republican groups ahead of the 2020 election, according to federal records. Snow told Insider she donated according to her Christian values and did so exclusively online, including to the likes of Sens. By the 2020 election cycle, retirees accounted for more than $1 in every $5, amounting to more than $378 million. Retirees are responsible for a greater and greater share of large political contributions, federal campaign finance data indicates.

☆ A 'dystopian horror story.' Inside the thriving underground market for used Amazon seller accounts that's causing chaos, identity theft, and distrust in the company's massive online marketplace
▼ + stars: | 2022-09-19 | by ( Rob Price | Katherine Long | ) www.businessinsider.com time to read: +16 min

On Telegram and forums like Swapd and PlayerUp, a gray market for secondhand Amazon seller accounts thrives. On public Telegram groups, Amazon account sellers openly advertise their goods and how they've passed Amazon's verification checks. She'd never had an Amazon seller account and sold jewelry directly through her website. Amazon is asleep at the wheel"Amazon is asleep at the wheel," Jason Boyce, a consultant for Amazon sellers, said. AI engineer François Chollet has been plagued by counterfeiters selling fake copies of his books via Amazon accounts with stolen identities.

☆ Meet Matt Krause, the man who critics say helped make Texas a national leader in book bans
▼ + stars: | 2022-09-18 | by ( Hannah Getahun | ) www.businessinsider.com time to read: +11 min

Texas now has the highest number of book bans in the US. Texas is now a leader in book bans, and one influential politician — along with pressure from the GOP — may have been the driving force, a Houston Chronicle investigation found. By April 2022, a PEN America analysis found that Texas had 713 bans, nearly half of all book bans in the US. Some politicians and parent groups disagreed with the inquiryKrause denies any political motivations behind the book list, but critics disagree. For Foote, the book bans represent GOP political motivations, citing school board officials and lawmakers who have begun their own book challenges.

☆ The rise of the 'bait-and-switch' job interview
▼ + stars: | 2022-09-14 | by ( Rob Price | ) www.businessinsider.com time to read: +14 min

According to recruiters, employers, and job applicants interviewed by Insider, an increasing number of candidates are employing stand-ins to do their job interviews for them. At its simplest, it entails a job candidate hiring a person to pretend to be them, sit through the job interviews, and land them the position. The coworker had landed a job interview with Amazon and wanted to know whether the engineer would do the telephone interview on his behalf. Finally, for unscrupulous job candidates who are prepared to pay top dollar, there are "professional" proxies who will serve as stand-ins on job interviews — for a steep fee. Or paid someone to do a job interview for you?

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