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☆ Federal jobs are known for their stability. Now they could be in jeopardy as Musk pushes for deep spending cuts.
▼ + stars: | 2024-11-19 | by ( Dan Defrancesco | ) www.businessinsider.com time to read: +8 min

Tech: We're in the middle of a white-collar recession, and tech workers are shouldering much of it . We're in the middle of a white-collar recession, and tech workers . AdvertisementElon Musk's government efficiency commission has been tasked with cutting government spending, raising questions about the future of millions of jobs. Tech jobs are mired in a recession. White collar hiring is in a huge slump, and tech workers are some of the hardest hit .

Persons: Trump hasn't, Tesla, Chelsea Jia Feng, Madison Hoff, Vivek Ramaswamy, Musk, Alice Tecotzky, John L, Dorman, Allison Robbert, Scott Bessent, Cantor Fitzgerald, Howard Lutnick, Marc Rowan, Kevin Warsh, Trump, Goldman Sachs, Morgan Stanley, Natalie Ammari, Uber, Verily, —, Rebecca Zisser, Elon Musk, Bluesky —, Jake Paul's, Netflix's Jake Paul, Mike Tyson, wasn't, Donald Trump's, Satya Nadella, Dan DeFrancesco, Grace Lett, Ella Hopkins, Hallam Bullock, Amanda Yen, Milan Sehmbi Organizations: Business, Google, Trump, Tech, Getty, Elon, Department of Education, Veterans Affairs, Department of Government, Social Security, Medicare, Twitter, Getty Government, Allison, Treasury, BCA Research, Goldman, BI, LinkedIn, Microsoft, China Economic, Security, Walmart Locations: Washington , DC, China, Brazilian, New York, Chicago, London

☆ Gen Z fell in love with government jobs. Elon Musk's budget cuts might upend them.
▼ + stars: | 2024-11-19 | by ( Dan Defrancesco | ) www.businessinsider.com time to read: +3 min

Elon Musk's government efficiency commission has been tasked with cutting government spending, raising questions about the future of millions of jobs. Business Insider's Ayelet Sheffey and Madison Hoff have a breakdown of the number of employees and salaries at different government departments . Veterans Affairs was the largest employer — 486,522 workers — and more than double the second-biggest department (Homeland Security's 222,539 employees). AdvertisementGovernment jobs' potential reckoning is happening after the public sector got a ton of attention this year. Pay in the public sector largely lags behind private-sector jobs, but that's somewhat offset by good benefits, retirement plans, and job stability.

Persons: Elon, Madison Hoff, Vivek Ramaswamy, Musk, Alice Tecotzky, John L, Dorman, Dan DeFrancesco, Grace Lett, Ella Hopkins, Hallam Bullock, Amanda Yen, Milan Sehmbi Organizations: Business, Department of Education, Veterans Affairs, Department of Government, Social, Medicare, Twitter Locations: Washington , DC, Elon Musk's, New York, Chicago, London

☆ Musk's DOGE wants to 'delete' entire government agencies. Here's where the most people are employed and what they make.
▼ + stars: | 2024-11-18 | by ( Ayelet Sheffey | Madison Hoff | ) www.businessinsider.com time to read: +5 min

AdvertisementTrump picked Elon Musk and Vivek Ramaswamy to co-lead DOGE, a new government efficiency commission. Their aim is to cut government spending, and one idea they've floated is to ax federal agencies. Almost half a million people were employed in the Department of Veterans Affairs, while the Department of Education had just over 4,000. Most departments had six-figure average salaries, with the Department of Education and the Department of Energy having the highest averages. AdvertisementWhile DOGE can advise Trump on agencies to cut, the president-elect cannot act on it alone — making major changes to federal agencies would require congressional approval.

Persons: Elon Musk, Vivek Ramaswamy, they've, Elon, Ramaswamy, Karoline Leavitt, Vance, Trump, Musk, Ronald Reagan Organizations: Trump, GOP, Government, Fox News, Management, Department of Veterans Affairs, of Education, Treasury Department, Internal Revenue Service, Department of Education, Department of Energy, Washington DC, Grace Commission, Social Security, Medicare, Social, asheffey Locations: Elon Musk's, Washington, Grace

☆ Why an entrepreneur has no regrets about moving from Hawaii back to her Kansas hometown
▼ + stars: | 2024-11-16 | by ( Madison Hoff | ) www.businessinsider.com time to read: +5 min

AdvertisementAudra Dinell doesn't regret moving from Hawaii to her home state of Kansas in 2020. Kansas has a lower cost of living than Colorado and Hawaii, the states Dinell lived in previously. Audra Dinell, 38, said her move back to Kansas from Hawaii felt like she was starting over. "We miss a lot of things about the places we left — the people, culture, mountains, and ocean — but no, we do not have any regrets about moving back to Kansas," Dinell, who moved from Kansas to Colorado before living in Hawaii, said. "I have friends who have visited us from Hawaii, Colorado, many different cities, South Carolina, and they're always so surprised," she said.

Persons: Audra Dinell, Dinell, I've, she's, they're Locations: Hawaii, Kansas, Midwest . Kansas, Colorado, Wichita , Kansas, Honolulu, Wichita, , Kansas, Hawaii and Colorado, Colorado . In Hawaii, Hawaii , Colorado, South Carolina

☆ 2 maps show how Americans rely on income like Social Security more than they used to
▼ + stars: | 2024-11-15 | by ( Allie Kelly | Madison Hoff | ) www.businessinsider.com time to read: +4 min

Money from programs like Social Security accounted for 18% of total personal income in 2022. A growing share of income in most US counties is coming from social safety net programs like SNAP, Social Security, and Medicaid, per a report published in September by the research firm Economic Innovation Group. One in six people in 2022 were over the age of 65 — compared to one in 10 in 1970 — and just over half of the national transfer income flows from Medicare and Social Security. The report's findings come as Business Insider has spoken with many retirees — who are living solely on Social Security income because they don't have savings or retirement investments — who say they are struggling to afford basic necessities. "I don't want to be rich, I just need to be comfortable," a baby boomer living on $1,104 monthly in Social Security previously told BI.

Persons: That's, —, ALICE, EIG Organizations: Social, Service, —, SNAP, Social Security, Economic Innovation Group, Government, United Way's United, allisonkelly Locations: —, Louisiana

☆ Elon Musk is looking to cut government waste. Here's what the US spends money on right now.
▼ + stars: | 2024-11-13 | by ( Ayelet Sheffey | Madison Hoff | ) www.businessinsider.com time to read: +4 min

Trump tapped Elon Musk and Vivek Ramaswamy to co-lead a "Department of Government Efficiency." The US spent $6.75 trillion in fiscal year 2024, with Social Security and health topping the list. The highest amounts of spending came from the Department of Health and Human Services, the Social Security Administration, and the Treasury Department. Over the past year, Social Security accounted for $1.46 trillion of the spending, health accounted for $912 billion, and Medicare came in at $874 billion. Social Security and Medicare are forms of mandatory spending that do not require annual congressional approval and would require legislation to change.

Persons: Trump, Elon Musk, Vivek Ramaswamy, —, Donald Trump, Musk, Ramaswamy, Karoline Leavitt, Vance Organizations: Department of Government, US, Social Security, Service, GOP, Trump, Treasury Department, Department of Health, Human Services, Social Security Administration, Social, White, Management, Budget, Education Department, IRS, FBI Locations: Trump, Government

Business Insider secured access to an internal Tesla pay database, covering nearly 100,000 employees as of December 2021. Correspondent Grace Kay explains why employees working for Elon Musk's company might accept salaries lower than what they could earn at other top tech corporations or major car manufacturers. This video was shot in October 2024.

Persons: Grace Kay, Elon Musk's Organizations: Elon

☆ Internal Tesla salary database shows Elon Musk's strategy: Lower salaries, bigger stock grants
▼ + stars: | 2024-11-11 | by ( Grace Kay | Madison Hoff | ) www.businessinsider.com time to read: +12 min

Business Insider secured access to an internal Tesla pay database, covering nearly 100,000 employees as of December 2021. Tesla offers lower base salaries than its tech and automotive peers but offers substantial stock grants. Nine current and former people in engineering and sales said that Tesla's stock grants make it easier to accept lower base salaries. To get a sense of which employees were more likely to take home large grants, BI broke up stock grants based on job category. So far, stock grants have "proven to be better than cash in your pocket."

Persons: Elon Musk's, It's, Tesla, Donald Trump's, —, Zaheer Mohiuddin, ISOs, Greg Selker, Stanton Chase, Selker, Musk, we've, Harley Shaiken, Ford, Shaiken, Drew Baglino, Zachary Kirkhorn, Omead Afshar, Aaron Greenspan, it's Organizations: Business, CNBC, Securities and Exchange Commission, Nvidia, Ford, Meta, Amazon, Apple, Microsoft, BI, Companies, Google, US, Netflix, Big Tech, GM, Musk, Bloomberg Locations: Silicon Valley

Most Americans who moved to Texas came from California and Florida, followed by New York and Illinois. AdvertisementMichelle Clifford and her family moved from California to Texas. Where people from Texas move toThere are also plenty of people who leave Texas in search of greener pastures. Between 2022 and 2023, about 38,700 people moved from Texas to California, a slight decrease from the 42,300 who did so the previous year. Courtesy of Ty JoergerTexan native Ty Joerger, 25, and about a dozen of his friends moved from Texas to the Pacific Northwest over the past two years.

Persons: —, Arielle Francois, Madison Hoff, Arielle Francois California, Francois, Michelle Clifford, Michelle Clifford Take, Clifford, It's, Bella Hadid, VALERY HACHE, Adan Banuelos, Emma Stone, Joe Rogan, Batts, Batts Flora Batts, Michael Dell, Austin, Ty Joerger, Ty, Joerger Organizations: Lone Star State, Service, Business, American Community Survey, Texas, Getty, Austin, Texans, Tech, Dell, Seattle Mariners Locations: Texas, California, Florida, New York, Illinois, Miami, Dallas, PMG, South Florida, Miami ., Arielle, Florida for Texas . Texas, Oklahoma, Louisiana , Colorado , Illinois, Washington, Michelle Clifford Take California, Celina , Texas, Celina, Cannes, AFP, Fort Worth , Texas, New York City, Hollywood, Los Angeles, Colorado, Georgia, Louisiana, Pennsylvania, Batts Flora, Austin, Erie, Cleveland, Seattle, Pacific Northwest

☆ Democrats wished the election was about jobs. Trump's win showed it was about prices.
▼ + stars: | 2024-11-08 | by ( Ayelet Sheffey | Madison Hoff | ) www.businessinsider.com time to read: +5 min

While Democrats touted job growth under Biden, Trump won over voters facing high prices. "I am promising low taxes, low regulations, low energy costs, low interest rates, secure borders, low, low, low crime and surging incomes for citizens of every race, religion, color, and creed," Trump said during remarks in September. BI adjusted 2021 amounts using Census-division-level inflation to understand how much real wages have changed across the US. Rhode Island had the highest real wage growth, just one of around a dozen states that saw an increase. Real wages massively fell in costly Washington, DC; even before adjusting for inflation wages were roughly flat.

Persons: Trump, —, Donald Trump, Joe Biden, Kamala Harris, Biden, Biden's, Jed Kolko, Matthew Yglesias, Harris, Kolko, they'll Organizations: Biden, Counties, Trump, Service, Federal, The New York Times, BI, stoke Locations: Trump, Rhode, New York, Maryland, Washington

☆ Americans are probably getting another interest rate cut 2 days after the election
▼ + stars: | 2024-11-06 | by ( Ayelet Sheffey | Madison Hoff | ) www.businessinsider.com time to read: +6 min

The Federal Reserve is expected to cut interest rates by 25 basis points on Thursday. It follows a 50-basis-point rate cut in September — the first cut in four years. CME FedWatch, which forecasts interest rate changes based on market predictions, estimated an all-but-certain 25 basis point cut as of Wednesday afternoon. "Borrowers should understand that 'falling interest rates' are not the same as 'low interest rates,'" Greg McBride, Bankrate's chief financial analyst, said in a commentary. AdvertisementWhat are your financial plans if the Fed makes another rate cut?

Persons: —, Donald Trump, Trump, Jerome Powell, Powell, Helene, Milton, Cory Stahle, Julia Pollak, Greg McBride Organizations: Federal, Service, FedWatch, Boeing, BLS, Federal Reserve, PCE, Fed, asheffey

☆ Workers in 4 states are up for a raise. This map shows the minimum wage in every state.
▼ + stars: | 2024-11-05 | by ( Juliana Kaplan | Madison Hoff | ) www.businessinsider.com time to read: +5 min

AdvertisementThis Election Day, minimum wage workers in four states are waiting to learn if they'll get a raise. The minimum wage in Massachusetts is $15 an hour, and the tipped minimum wage is $6.75. If Massachusetts' question 5 passes, the tipped wage would slowly increase to become level with the state minimum wage, reaching full parity by 2029. As it stands, Arizona employers are able to pay tipped workers up to $3 less than the standing minimum wage — as long as workers' tips still bring them to the minimum wage. Are you a worker earning at or near the minimum wage in your state?

Persons: —, they'll, reelect Donald Trump, Alaskans Organizations: Service, Department, Labor, Economic Policy Institute, Missouri Voters, Massachusetts —, jkaplan Locations: Alaska , California, Missouri, Massachusetts, Arizona, Washington, Florida, Alaska, California

☆ Americans are probably getting another interest rate cut this week — just days after the election
▼ + stars: | 2024-11-04 | by ( Ayelet Sheffey | Madison Hoff | ) www.businessinsider.com time to read: +5 min

The Federal Reserve is expected to cut interest rates by 25 basis points on Thursday. It follows a 50-basis-point rate cut in September — the first cut in four years. CME FedWatch, which forecasts interest rate changes based on market predictions, estimated an all-but-certain 25 basis point cut as of Friday afternoon. Advertisement"Borrowers should understand that 'falling interest rates' are not the same as 'low interest rates,'" Greg McBride, Bankrate's chief financial analyst, said in a commentary. What are your financial plans if the Fed makes another rate cut?

Persons: —, Jerome Powell, Powell, Helene, Milton, Cory Stahle, Julia Pollak, Greg McBride Organizations: Federal, Service, FedWatch, Boeing, BLS, Federal Reserve, PCE, Fed, asheffey

More than 750 job seekers shared their frustrations trying to find work recently. AdvertisementMore than 750 Americans between the ages of 18 and 76 who have recently struggled to find work shared their experiences with Business Insider. Through emails and an online form, readers shared stories of fierce competition for white-collar roles and lower-paying gigs alike. Over three dozen respondents said they pulled from their 401(k) or IRAs to stay afloat. Meanwhile, some executives with 30 years of experience said their credentials may have prevented them from getting interviews for lower-paying white-collar roles.

Persons: —, Zers, millennials, Scott Fite, he'll, Fritz Boyle, he's, hasn't, Boyle, haven't, Aaron Terrazas, they're, Chris Jorgensen, it's, Stephanie Allen, they've, Sean Tetpon, Tetpon, I'm Organizations: Service, Business, SNAP, of Labor Statistics, BLS, Bureau of Labor Statistics, didn't, IBM, University of Idaho Locations: Americas, Pennsylvania, Portland , Oregon, Utah, Maryland

☆ The US added very few jobs in October after hurricanes and strikes shook the economy
▼ + stars: | 2024-11-01 | by ( Madison Hoff | ) www.businessinsider.com time to read: +3 min

The US economy added just 12,000 jobs in October, way under the forecast of 106,000. Labor market watchers expected cooler job growth than September's, partly because of recent hurricanes and strikes. AdvertisementThe US economy added just 12,000 jobs in October, falling way short of the forecast of 106,000. AdvertisementThe mixed results in the jobs report could complicate the Fed's interest rate plans into next year. The new jobs report is the last US employment report before the presidential election on November 5.

Persons: —, Hurricane Helene, Hurricane Milton, Milton, Lydia Boussour, NORC, Kamala Harris, Donald Trump Organizations: Labor, Service, Hurricanes, Bureau of Labor Statistics, Labor Statistics, Boeing, Reserve, AP Locations: Hurricane, United States

☆ US economic growth came in slightly under expectations but consumer spending remains strong
▼ + stars: | 2024-10-30 | by ( Madison Hoff | ) www.businessinsider.com time to read: +4 min

AdvertisementIn the third quarter, US economic growth fell short of expectations but remained strong. "The increase in real GDP primarily reflected increases in consumer spending, exports, and federal government spending," the news release said. Consumer spending was a particular highlight, with personal consumption expenditures growing at a strong 3.7% annualized rate. AdvertisementThe weaker-than-expected GDP growth doesn't necessarily mean the US is heading toward a recession. Investment in nonresidential equipment had another strong quarter, surging at an annualized rate of 11.1%.

Persons: —, David Kelly, Hurricane Helene, Hurricane Milton, Mark Hamrick Organizations: Federal Reserve, Service, Investment, Fed, Morgan Asset Management, Commerce Department, Hurricane Locations: Hurricane

☆ 4 expert side hustlers share their top gig recommendations
▼ + stars: | 2024-10-29 | by ( Madison Hoff | ) www.businessinsider.com time to read: +9 min

Two people recommended content creation; one of them said it's fun but takes time to build up. Four serial side hustlers suggested selling digital wall art on Etsy, creating content, or earning on-site commissions through the Amazon Influencer Program. AdvertisementMeghan Lim, 26Meghan Lim recommended making content. She has made money making videos and from pet sitting and dog walking. Another idea for content creation as a gig is making "content about products on TikTok shop and earn passive income that way," she said.

Persons: —, Ryan, hustlers, Meghan Lim, Lim, Amber Smith, Amber Smith Smith, she's, wasn't, Smith, TikTok, Ryan Ryan, Meghan Lim Lim, Kate Robb, Jordan Robb, Robb, There's, Etsy, Isabella Diaz Organizations: Service, Business, Amazon Locations: Etsy

☆ The economy is a priority for Americans as they head to the polls. Here's what's really going on behind the numbers.
▼ + stars: | 2024-10-24 | by ( Madison Hoff | ) www.businessinsider.com time to read: +8 min

But there are some weak points — like a growing federal debt load. There are a few less-rosy data points out there, like rising long-term unemployment and a historically high level of federal debt. Federal debt is high compared to GDP, even looking beyond the spike of the debt as a share of GDP during the pandemic. While federal debt as a share of GDP was slightly above 100% before the pandemic, recent figures are much higher than in the past. Federal debt was 120% of GDP in the second quarter of this year.

Persons: —, Kamala Harris, Donald Trump, Mark Hamrick, Kurt Reiman, Reiman, They're, aren't, Hamrick, There's, Biden Organizations: Service, The New York Times, Siena College, Pew Research, Associated Press, NORC, for Public Affairs Research, University of Michigan's, Consumers, UBS Global Wealth Management, Federal Reserve, MarketWatch Locations: America, Wells Fargo

☆ A 27-year-old who was disappointed with her move from the Midwest to Dallas explains how she got excited about her new city
▼ + stars: | 2024-10-17 | by ( Madison Hoff | ) www.businessinsider.com time to read: +6 min

Griffin Kibens moved to Texas in 2022, and it took a while to feel at home in Dallas. Her colleagues, the Katy Trail, and moving to a new place helped her feel better about Dallas. Kibens moved from Missouri to Texas in August 2022, and the weather that time of year was one of the first downsides. Falling in love with DallasKibens said her colleagues played a large role in beginning to love Dallas. "The Katy Trail really changed my life," she said.

Persons: Griffin Kibens, Kibens, —, Arielle Francois, Zer, Francois, Dallas Kibens, Dallas, Louis, let's, there's Organizations: Katy, Dallas, Service, Fort, Dallas Mavericks, House, Dallas Fort Worth Locations: Texas, Dallas, Missouri, Fort Worth, Arlington, Florida, Katy, Oak Lawn

☆ The job market may be strong, but tell that to anyone looking for work or feeling stuck
▼ + stars: | 2024-10-11 | by ( Madison Hoff | Juliana Kaplan | ) www.businessinsider.com time to read: +6 min

September's robust job growth signaled what looks like a booming labor market. In general, the job market is booming. There's some tension hiding in the dataOn its face, the labor market is looking rosy. Job openings ticked up in August but have been broadly declining since 2022, adding to the tough labor market picture for job seekers. Related storiesEven though the labor market has cooled, it's largely done so without mass layoffs or a full-blown recession.

Persons: —, Cory Stahle, they're, Liz Wilke, Elizabeth Renter, Matt Colyar, Claudia Sahm, Julie Su, Wilke, It's Organizations: Service, Workers, Moody's, New Century Advisors, mhoff

☆ Hurricane season is set to scramble Americans' view of the economy before the election
▼ + stars: | 2024-10-10 | by ( Ayelet Sheffey | Madison Hoff | ) www.businessinsider.com time to read: +7 min

Additional disruptions from Hurricane Milton complicate the data collection for October's jobs report. To stimulate hiring, the Federal Reserve began cutting interest rates in September, and the jobs report will strongly inform its path forward. "I wouldn't expect these events to materially change how Americans view the economy before the election," DeAntonio said. For example, it noted in its release last week Hurricane Francine, which hit Louisiana in early September, "had no discernible effect" on the employment data it collected. Any effects from the hurricanes could lead to an October jobs report that shows a more pessimistic view of the economy than underlying conditions would suggest.

Persons: Helene, Milton, —, Hurricane, Hurricane Helene, Hurricane Milton, Dante DeAntonio, Kamala Harris, Joe Biden, Daniel Zhao, DeAntonio, Francine, Guy Berger Organizations: Service, Hurricanes, Southern, Labor Department, Federal Reserve, University of Michigan's, Department, Labor, of Labor, Labor Statistics, Boeing, Bureau of Labor Statistics, Employees, Glass Institute Locations: Florida, North Carolina, Hurricane, Louisiana

☆ Inflation was hotter than expected in September, but continued its downward trend
▼ + stars: | 2024-10-10 | by ( Madison Hoff | ) www.businessinsider.com time to read: +2 min

The unexpectedly hot inflation reading complicates the prospect of further rate cuts from the Fed. This index was expected to see a year-over-year increase of 2.3%, a cooler rate than August's 2.5%. The surprisingly hot inflation reading is a sign that the economy is running strong, and complicates the Fed's next rate decision, since in theory higher inflation would make further cuts less likely. AdvertisementThat could be because the market also digested weekly jobless-claim figures that came in higher than expected. Following a surprisingly strong September jobs report, speculation rose that the Fed might slow its pace of rate cuts — or even stop them altogether.

Persons: — Organizations: Service Locations: mull

☆ The hidden value of a college degree: Graduates are much more likely to have friends
▼ + stars: | 2024-10-06 | by ( Jacob Zinkula | Madison Hoff | ) www.businessinsider.com time to read: +10 min

AdvertisementIn recent years, many young people have questioned whether the benefits of a college degree are worth the cost of tuition. According to a new survey, college graduates appear to have a clear edge in one area: their social lives. However, the widespread decline in socialization in recent decades has been steeper for people without a college degree. AdvertisementAdditionally, people without a college degree may also be more likely to work multiple jobs, or have roles with unpredictable hours, Pressler said. Going to college can be a "supercharger of relationships"Of course, some of the social benefits of a college degree date back to the connections fostered on campuses.

Persons: —, American Enterprise Institute —, Vivek Murthy, Sam Pressler, Pressler, they'd Organizations: Service, Survey Center, American Enterprise Institute, Survey, University, Virginia's, of Democracy, YMCA

☆ 5 things you should always have on your résumé and 8 items to leave out
▼ + stars: | 2024-10-06 | by ( Madison Hoff | ) www.businessinsider.com time to read: +12 min

Business Insider asked experts about what job seekers do and don't need to have on a résumé. But beware: What you include and leave out and how your résumé looks could shape your chances of getting hired. With that in mind, job seekers may want to leave out certain things on their résumé that potential employers don't really care about. Don't make the résumé unreadable and unprofessionalNorton said she would move on if a résumé was in "unprofessional formatting." Don't include a line about referencesHaller said people include on their résumé "references available upon requests."

Persons: —, Stacie Haller, ResumeBuilder.com, They're, Vicki Salemi, There's, Maggie Norton, we've, Haller, Norton, Salemi, it's, résumés, I've, It's Organizations: Service

☆ The jobs market had a very strong September
▼ + stars: | 2024-10-04 | by ( Madison Hoff | ) www.businessinsider.com time to read: +3 min

The Fed is pivoting away from fighting inflation to supporting the labor market. The encouraging numbers doubled down on a labor market that's showing signs of strength after a slowdown. The Federal Reserve signaled a pivot from fighting inflation to supporting the job market with a 50-basis-point interest rate cut in mid-September, the first cut in four years. AdvertisementWage growth was another highlight for the labor market in September. The latest jobs report didn't just indicate a strong September.

Persons: —, Glen Smith Organizations: Service, Federal Reserve, BLS, GDS Wealth Management, Fed

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