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☆ Young Black activists are done waiting their turn for political office. They're taking on the 'John Lewis generation' of elder lawmakers who they say are out of touch.
▼ + stars: | 2022-09-29 | by ( Elvina Nawaguna | ) www.businessinsider.com time to read: +30 min

Most members of the Congressional Black Caucus are twice as old as the median Black person living in the US. The Congressional Black Caucus, a powerful voice for Black Americans, is significantly older than those it speaks for. Clay had replaced his father, William Lacy Clay Sr., a civil-rights icon and founding Congressional Black Caucus member who had represented the area since 1969. Tom Williams/CQ-Roll Call, Inc via Getty ImagesThe Congressional Black Caucus is reckoning with a leftward shift it's struggled to embrace. A spokesperson for the Congressional Black Caucus did not respond to Insider's request for comment.

☆ How Netflix and Disney+ with ads could swipe current subscribers from the streamers' higher-priced services
▼ + stars: | 2022-09-28 | by ( Lucia Moses | ) www.businessinsider.com time to read: +3 min

Netflix and Disney+ face a big question of how many people will subscribe to their ad-supported tiers. A new survey shows about half of each service's current subscribers are open to a cheaper version with ads. There's strong interest in Netflix and Disney+ with ads, a new survey from Samba TV with HarrisX found, with nearly half of each service's current subscribers saying they'd consider making the switch. Those most interested in Netflix's ad version skew older and less affluent, Samba TV and HarrisX found. The Samba TV-HarrisX survey also found broad interest in Netflix and Disney+ with ads among non-subscribers.

☆ Gen Z's 6-figure side hustles should scare companies more than quiet quitting, says Gary Vaynerchuk: 'There's so many goddamn options for these kids to make money on the internet'
▼ + stars: | 2022-09-28 | by ( Jason Lalljee | ) www.businessinsider.com time to read: +5 min

Gary Vaynerchuk said on TikTok that companies need to court Gen Z with better pay and career growth potential. He said Gen Z has more avenues than ever to make money on side hustles. That dynamic is more dangerous for companies than the "quiet quitting" trend, Vaynerchuk said. He said as much in a recent TikTok video, when asked about the "quiet quitting" trend. "We shit on Gen Z for being entitled and lazy, and what they're being is thoughtfully understanding of their options."

☆ Gen X is late to the leadership table in US politics, prompting the question: Will it ever produce a president?
▼ + stars: | 2022-09-28 | by ( Darren Samuelsohn | ) www.businessinsider.com time to read: +21 min

By historical standards, Gen X should be in charge of the US by now. Think of them as the godparents of the "Xennials" — those born in the late 1970s or early 1980s who aren't fully Gen X or millennial. No matter whether you deny the 61-year-old Obama is a boomer, Gen X is starting to get up there in age. Michael Ciaglo-Pool/Getty ImagesWhat's the US missing without a Gen X president? "It's like seeing a ghost that doesn't appear," she said of any expectation the presidency would just suddenly open up for Gen X.

☆ 3 LinkedIn creators share their best career advice for recent graduates: 'Be a combo specialist'
▼ + stars: | 2022-09-27 | by ( Ashton Jackson | ) www.cnbc.com time to read: +3 min

However, with platforms like LinkedIn, TikTok, and Instagram, there's more work advice out there than ever. Pe, a current junior at Stanford University, was able to strengthen her professional network by sending cold messages to people in her career field. Cold messages are emails or other direct messages sent to someone in order to achieve a goal without prior contact. Done the wrong way, cold messages can come off as selfish or inauthentic, so it's important to try and build a genuine rapport with the person. According to Indeed, successful cold messages share authentic compliments, mention relevant connections, are brief and present a next step.

☆ A Gen Z cashier making $13 an hour says she 'acts her wage' to protect her mental health: 'This is not the sum total of your entire life. This is literally just a job.'
▼ + stars: | 2022-09-25 | by ( Juliana Kaplan | ) www.businessinsider.com time to read: +5 min

More people are embracing "acting their wage" by not doing work outside their job description. "While I'm there, I'm going to try at least to do as I'm told, but I'm not going to do a 9 to 9." How Claire acts her wageFor Claire, acting her wage is all about keeping her identity separate from work and not feeling the need to go above and beyond. "In my head, at least, no matter what your job, the job should not be all there is to you," Claire said. I'm going to have days where my mental health takes priority, where my grandma, my other job, my whatever takes priority over this job,'" Claire said.

☆ The one thing this 30-year-old business owner says any entrepreneur should splurge on: ‘It is worth every penny’
▼ + stars: | 2022-09-23 | by ( Ashton Jackson | ) www.cnbc.com time to read: +4 min

Princess EtchBefore the pandemic, Labowitch made a chunk of her income teaching in-person classes and workshops. "I immediately lost a number of jobs, and the number of email correspondents I had about promising projects just disappeared. Labowitch initially started showcasing her art on Myspace in 2007, but most recently, she amped up her TikTok presence by doing live streams of her drawing process. And I developed this whole new, really passionate fan base of people who just really wanted to support me and my business." "If there's anything that I would recommend any entrepreneur indulge in and splurge on, it's an accountant," Labowitch says.

☆ Millennials and Gen Z want to stop a climate catastrophe. But first they have to get elected.
▼ + stars: | 2022-09-22 | by ( Eliza Relman | ) www.businessinsider.com time to read: +24 min

Sen. Dianne Feinstein, a California Democrat, told young climate activists in 2019, "You didn't vote for me." AP Photo/Gemunu AmarasingheBut most policy debates aren't genuinely existential in the way climate change is. "Younger Democrats tend to have a much more friendly relationship and response to the party's activist class than older Democrats do." Fossil-fuel interests have played a central role in stymieing progress on climate change for decades. Nearly a decade later, Trump ran for and won the presidency — with Gingrich's early and staunch support — while calling climate change a "hoax."

☆ Gen Z feels the needs of its generation aren't represented anywhere in Congress: poll
▼ + stars: | 2022-09-22 | by ( Madison Hall | ) www.businessinsider.com time to read: +3 min

Gen Zers do not feel the needs of their generation are being met by Congress, a new poll found. Gen Zers were born between 1997 and 2012. More than two-thirds of Gen Zers said Congress is "out of touch" on abortion access and more. The Gen Zers surveyed also voiced concern with how "in touch" Congress is on abortion access: only 31% said the body is in touch with its needs on accessing abortions compared to the 69% who said the opposite. And despite Congress passing a new law addressing gun violence in June 2022, 70% of Gen Zers — a generation that has witnessed countless indiscriminate school shootings — said Congress is "very" or "somewhat out of touch" about its needs for further gun regulation.

☆ Benchmark bond yields are ‘bad news' for investors as the Fed hikes rates by 0.75%. What it means for your portfolio
▼ + stars: | 2022-09-21 | by ( Kate Dore | Cfp | ) www.cnbc.com time to read: +1 min

As investors digest another 0.75 percentage point interest rate hike by the Federal Reserve, government bonds may be signaling distress in the markets. Ahead of news from the Fed, the policy-sensitive 2-year Treasury yield climbed to 4.006% on Wednesday, the highest level since October 2007, and the benchmark 10-year Treasury reached 3.561% after hitting an 11-year high this week. When shorter-term government bonds have higher yields than long-term bonds, known as yield curve inversions, it's viewed as a warning sign for a future recession. Higher bond yields create more competition for funds that may otherwise go into the stock market, Winter said, and with higher Treasury yields used in the calculation to assess stocks, analysts may reduce future expected cash flows. What's more, it may be less attractive for companies to issue bonds for stock buybacks, a way for profitable companies to return cash to shareholders, Winter said.

☆ Some millennials and Gen Zers are closing investing accounts over inflation. Here's why that may lead to regrets
▼ + stars: | 2022-09-20 | by ( Kate Dore | Cfp | ) www.cnbc.com time to read: +1 min

Others may have reacted emotionally due to stock market volatility, especially younger investors with less experience. Kyle Newell Owner of Newell Wealth ManagementBut cashing out an investment account may lead to regrets. Many millennials and Gen Zers who invested over the past year have regrets, according to a recent study from MagnifyMoney. Some 23% of millennials and 15% of Gen Zers wished they had invested more, the survey found, and roughly 15% of each group regrets selling an investment. High inflation, stock market volatility and geopolitical conflict have all happened before, Newell said, and those factors shouldn't stop you from investing.

☆ I feel I am falling through the cracks at work. Is it time to find another job?
▼ + stars: | 2022-09-14 | by ( Rebecca Knight | ) www.businessinsider.com time to read: +5 min

I'm a Gen Z employee at a large company and I am a little over a year into my first full-time, professional job after college. Over the past few months, two members of my team have left the company and they're not being replaced. In the current market, I feel like my team could be on the chopping block if my company conducts lay-offs. On the other hand, because I love my team and the work I do, I want to stay and try to make it better. On the other hand, though, it never hurts to start passively looking for a new job while you remain employed.

☆ Some Gen Zers are hoping for a housing market crash so they can afford to buy a home
▼ + stars: | 2022-09-14 | by ( Alcynna Lloyd | ) www.businessinsider.com time to read: +4 min

According to their results, 78% of respondents think we'll soon face a housing market crash and nearly half believe it will happen in 2023. Indeed, 84% of the survey's respondents born between 1996 and 2015 said they wanted a market crash. "Gen Z was the generation most likely to want a housing crash or correction so they could buy a home," researchers wrote. "Despite their hopes for a cooler market, Gen Zers have the least saved for a home." Do you feel a housing crash — or a less dramatic slowdown — would make it easier for you to buy a house?

☆ 8 startup founders who've raised anywhere from $1 million to $30 million in funding share their best tips for creating a strong pitch deck
▼ + stars: | 2022-09-14 | by ( Ann Matica | ) www.businessinsider.com time to read: +11 min

A key component of launching a successful startup is creating a pitch deck for potential investors. Insider asked eight startup founders to share their best tips for creating a strong pitch deck. While the founders had different approaches, each pitch deck was successful in getting investors' attention. Lin said the key to creating the pitch deck they showed investors was editing it depending on their audience. To successfully reach her $1 million preseed goal, Butler sent her pitch deck to hundreds of venture-capital firms and early-stage sponsors.

As someone who is in their 20s, I know how hard it can be to start saving for retirement. To make the process less intimidating, start small when saving for retirement and slowly increase your savings rate over time. Fidelity Investments Learn More Minimum deposit and balance Minimum deposit and balance requirements may vary depending on the investment vehicle selected. No minimum to open a Fidelity Go account, but minimum $10 balance for robo-advisor to start investing. Betterment Learn More Minimum deposit and balance Minimum deposit and balance requirements may vary depending on the investment vehicle selected.

☆ Gen Z mistrusts everything — big business, government, other people, you name it
▼ + stars: | 2022-08-25 | by ( Daniel Cox | ) www.businessinsider.com time to read: +10 min

With that question, The Washington Post's technology columnist, Taylor Lorenz, kicked off a recent Aspen Institute panel entitled "Can Gen Z Trust Their Elders?" Across the board, members of Gen Z are less inclined to trust major institutions than their elders are. Add all these factors up, and Gen Z is looking more and more like it will become permanently mistrustful. Why doesn't Gen Z trust anyone? According to a report by Edelman, seven in 10 members of Gen Z say "they will fact-check" any claim made by a business or advertiser.

☆ Many Gen Zers don’t use Google. Here’s why they prefer to search on TikTok and Instagram.
▼ + stars: | 2022-07-19 | by ( Https | Media-Cldnry.S-Nbcnews.Com Image Upload Newscms Kahlan-Rosenblatt.Jpg | Kalhan Rosenblatt | ) www.nbcnews.com time to read: +3 min

When asked why they don't use Google as much, the Gen Zers interviewed by NBC News had a simple answer: They prefer visual platforms. "Our goal with Search is to provide people the most relevant and useful information available," according to the post. "People have more ways to search for information than ever before—and increasingly this is happening outside the context of only a search engine." According to Raghavan, Google is testing some newer features. If Google doesn't evolve, some believe TikTok will ultimately surpass it as the top search tool.

☆ I'm a financial-advice blogger booking $8,000 in revenue a month. Here's how I built a lucrative side hustle.
▼ + stars: | 2022-06-09 | by ( Alexandra York | ) www.businessinsider.com time to read: +6 min

She has turned her blog into a profitable business with affiliate marketing and brand partnerships. "The Financial Cookbook is a guide for everything they should have taught us in school," she said. I created The Financial Cookbook as a blueprint of how to manage money and shape your career in your 20s. Create multiple points of contact to attract new viewersThe Financial Cookbook Pinterest page. I think that's what all of us are trying to get to, and the core of The Financial Cookbook is to help others achieve that.

Persons: Lisa Andrea, —, aren't, Gen Zers, Andrea, I've, Instagram, Pinterest, Lisa Organizations: Service, Big, Google, Companies

Whether you're new to entrepreneurship or a seasoned founder, managing productivity is a key task. Business owners shared their productivity tips and how they structure their days for success. Whether they're scaling a startup, battling supply chain disruptions, or finding fame on social media, eight business owners showed Insider how they structure their days for success. Daniel Snow, 28, is the founder of two multimillion-dollar enterprises: the media organization RapTV and the marketing business The Snow Agency. Now, she owns The Slay Coach, which teaches business owners how to market their own consulting programs and digital courses.

Gen Z gets most of their financial literacy information on social media. Unlike older generations, Gen Z will only hire a financial professional as a last resort. Even with that warning, Yang says that Gen Z approaches personal finance differently than older generations in three distinct ways. In contrast, Gen Z is more creative with finding solutions. Gen Z does hours of research to see if the information checks outEven though Gen Z finds their financial literacy content online, they still do the legwork of making sure the information they found checks out.

This week, a reader asks: Should they use extra money to pay for college or buy a house? I want to try to buy a house with it (we have other house-buying money put aside). I feel like housing prices will only grow and a house is a good investment. He thinks the market will crash eventually. No matter what you and your partner decide to do with the money, make sure you take a minute to celebrate your achievement.

☆ Sustainability manager is one of the most in-demand jobs right now. Here's how to land a role, which can net you above $100,000 in base pay.
▼ + stars: | 2022-03-04 | by ( Beatrice Nolan | ) www.businessinsider.com time to read: +5 min

Insider spoke with specialist sustainability recruiters to find out how to land a role. "There's just been this huge explosion in roles, and every single company is looking for more people," Katie Pereira, the sustainability director at recruitment agency Allen & York, said. Sustainability manager was one of the fastest-growing jobs across Europe and the seventh-fastest-growing job in the UK, according to data from LinkedIn published earlier this year. "The demand for sustainability professionals has really jumped," Andrew Murray, a former senior environment manager at Vodafone, said. While companies often look for a degree, Allen told Insider that some businesses were "starting to remove the need for higher-education qualifications."

☆ Social Commerce 2022: Social media and ecommerce convergence trends bring growth opportunity for brands
▼ + stars: | 2022-01-27 | by ( Insider Intelligence | ) www.businessinsider.com time to read: +8 min

US retail social commerce sales will reach $36.62 billion in 2021, but that’s still about one-tenth the size of China’s social commerce market. Social commerce trendsThanks to the example set by China, brands remain optimistic about the future of social commerce. Examples of social commerce companiesSocial media companies have comparative strengths that determine its approach to social commerce. TwitterProbably the least popular social platform when it comes to social commerce is Twitter—especially after dropping its buy button feature in 2017. Social commerce market stats & outlookInsider Intelligence forecasts that US retail social commerce sales will rise by 24.9% to $45.74 billion in 2022.

☆ THE ROAD TO HOME: Our comprehensive guide to buying your first house
▼ + stars: | 2021-10-22 | by ( Business Insider | ) www.businessinsider.com time to read: +4 min

Alyssa Powell/Insider Tips for saving for a down paymentRead this for tips on how to save for your house, like setting up automatic deposits to your savings. Find out if you qualify for programs that help first-time homebuyers qualify for mortgages, from government-backed loans to state-specific grants. Alyssa Powell/Insider How to know if a house is right for youAsk yourself these questions while house hunting to tell if a particular home fits your financial and emotional needs. Read about how adjusting expectations can help your house hunt. After losing out on many homes in Dallas, writer Alex Temblador decided to expand her search to the suburbs and ended up with a dream house.

☆ What's pushing growth in proximity mobile payment usage?
▼ + stars: | 2021-06-03 | by ( Jaime Toplin | ) www.businessinsider.com time to read: +5 min

Mobile proximity and peer-to-peer (P2P) payments have hit the mainstream, thanks to a pandemic-driven upswing in digital payments. We present our eMarketer forecasts for growth in the mobile proximity and mobile P2P payments space, as well as assess top players in each area. These were aimed at narrowing the gap between proximity payments, P2P, and mcommerce providers as wallet companies aimed to meet all mobile payment needs. Proximity Mobile Payment UsersAfter a 2020 surge, mobile proximity payment user growth rates will temper slightly before winding down to a 4.0% rise in 2025 as the sector matures, due to expansions in access and generational growth. The pandemic effect on proximity mobile paymentsPre-pandemic, a fifth of US adults who hadn't yet adopted mobile proximity payment technology expressed an interest in doing so, according to a 2020 Total System Services report.

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