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Search resuls for: "Jacob Zinkula"


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☆ This could be Big Oil's last surge
  + stars: | 2023-03-19 | by ( Catherine Boudreau | Jacob Zinkula | ) www.businessinsider.com   time to read: +12 min
The era of Big Oil could end sooner than its massive profits suggest, analysts told Insider. But the worst-case scenario for the environment — that oil and gas companies reinvest all their extra money to keep growing — isn't happening, Logan said. The role of oil and gas companies in the energy transition is an ongoing debate, analysts told Insider. The UK company cited the need for an "orderly" energy transition. And while Big Oil's finances may begin to show some cracks over the next decade, he doesn't expect them to "suffer financially" for another 25 to 35 years.
☆ Remote jobs have some workers feeling like college kids again: They play in the afternoon and work at night
  + stars: | 2023-03-18 | by ( Juliana Kaplan | Jacob Zinkula | Andy Kiersz | ) www.businessinsider.com   time to read: +6 min
While remote workers are hitting the green on weekday afternoons, productivity isn't dropping. That's good news for leisure businesses and shows remote work has changed people's work structures. While some companies have called employees back to the office, Bloom doesn't think remote work is going anywhere. All those remote workers hitting the green doesn't necessarily mean people are working less. This will raise 'Golf productivity' — the number of golf courses played (and revenue raised) per course."
☆ Don't lose your life savings on your phone: A millennial with a sports-betting addiction explains how he's cut back as March Madness hype mounts
  + stars: | 2023-03-18 | by ( Jacob Zinkula | ) www.businessinsider.com   time to read: +9 min
James said sports betting was a way to "lose your life savings on your phone." But sometimes gambling addiction gets you to do crazy things." While the highs were "exhilarating," James said, gambling began to take over his life. After downloading a sports-betting app, he began by betting roughly $50 to $100 at a time on anything from baseball to hockey to tennis. But then he started winning — at one point winning roughly 14 of 16 bets — which he said was the "worst thing" that could have happened to him.
☆ Remote work could help the US make more babies, have affordable housing, and tackle the mental health and climate crises, a Stanford economist says
  + stars: | 2023-03-15 | by ( Jacob Zinkula | ) www.businessinsider.com   time to read: +8 min
Their research spans areas like the birth rate, housing, mental health, and climate change. Leading remote work expert Nick Bloom says it could be part of the solution to four of America's biggest problems. The share of work being conducted from home rose from 5% in 2019 to over 60% in 2020, Stanford economist and leading remote work expert Nick Bloom told Insider. Young Americans' mental health is plummetingTeenagers, in particular teenage girls, are in the midst of their worst mental health crisis in a decade, according to CDC data. Whether remote work will help the US move towards its climate goals remains to be seen.
☆ Relax, SVB's implosion is nothing like the 2008 financial crisis, and the economy will be fine
  + stars: | 2023-03-13 | by ( Jacob Zinkula | ) www.businessinsider.com   time to read: +5 min
But it's not a repeat of the 2008 financial crisis, when the government stepped in to support the US banking system. In recent days, many have drawn comparisons to the 2008 financial crisis, when the federal government doled out roughly $200 billion to hundreds of banks to support the US banking system. The size of SVB's bank failure has only been surpassed once in American history — by Washington Mutual when it collapsed in 2008. While the economy and markets aren't the same thing, a struggling market can be a negative leading indicator for a weakening economy. If the US economy does enter a recession as some experts expect, SVB's failure is unlikely to be the reason why.
☆ A millennial mom will 'basically do whatever it takes' to avoid a full-time job so she can be with her kids. Here's how she's scraping together part-time work and 2 side hustles.
  + stars: | 2023-03-12 | by ( Jacob Zinkula | ) www.businessinsider.com   time to read: +5 min
In addition to caregiving, she had to get a part-time job to help support her family. She's among the millions of Americans choosing to work part-time due to burnout, childcare obligations, and to earn extra income. Her solution involves a part-time job and two side hustles, but at least she feels some ownership over her time. Megan is one of the over 22 million Americans working part-time voluntarily, according to Labor Department data. "I can spend the rest of my life working if I want, but my kids are only kids for so long."
☆ Capitalizing on market crashes is key to retiring on time. Many millennials are still looking for their first chance.
  + stars: | 2023-03-09 | by ( Jacob Zinkula | ) www.businessinsider.com   time to read: +8 min
Stock market declines can create bargain-buying opportunities for investors looking to generate long-term wealth. Many millennials are looking for their first chance to participate, having lacked adequate savings during prior market downturns. That's because a falling stock market creates discounts and a chance to buy high-upside assets on the dip. The 28-year-old is among the TikTok financial influencers telling their young audiences not to miss out on the next stock market slump. Some have argued that overvalued markets, slowing population growth, and rising interest rates could weigh down US stock market returns for at least the next decade.
☆ TikTok's finance influencers are selling the idea that you can become a 'recession millionaire' if the market tanks
  + stars: | 2023-03-08 | by ( Jacob Zinkula | ) www.businessinsider.com   time to read: +8 min
It also reinforces the idea that the stock market isn't the same the thing as the economy. During the Great Recession, many millennial investors were too young — or didn't have sufficient income — to capitalize on the market downturn. If a recession is on the horizon, Nelson says it would likely provide millennial investors a better buying opportunity. Seo says too many investors hold off on investing until they think the stock market has "bottomed-out." With inflation eroding Americans' savings, many people may simply not have the extra money to throw into the stock market.
☆ Millennials in their 30s are sitting in an economic quagmire that could stick with them through retirement
  + stars: | 2023-03-08 | by ( Jason Lalljee | Madison Hoff | ) www.businessinsider.com   time to read: +7 min
In the long run, this generation may also be hit by cuts in Social Security benefits. In the longer run, millennials' retirement may also be affected if Social Security benefits are cut. Millennials in their 30s are accruing debt faster than their peersWhile Experian and Credit Karma research show Gen X has the highest average debt, millennials still hold a lot of debt too — and are accumulating it faster than anyone else. Millennials face looming retirement insecurityIf all of that wasn't enough, millennials' retirement situation in the future could be different from Gen X and baby boomers. Additionally, millennials' retirement safety nets are likely to be affected if they can't get full Social Security benefits.
☆ Why a millennial quit her $100,000-a-year job to join millions of Americans opting for part-time work
  + stars: | 2023-03-07 | by ( Jacob Zinkula | ) www.businessinsider.com   time to read: +6 min
A Bay Area millennial quit her full-time job in 2021 after experiencing what she describes as extreme burnout. She's among the growing number of Americans opting for part-time roles. While Kiki took a break from the workforce, she planned to find another job within six months — by May of 2022 — because her household needed the extra income. As of January, 22.1 million Americans were working part-time voluntarily, according to Labor Department data. After feeling disappointed by the quality of part-time options when scrolling through job sites, a friend referred her to the company she's working for now.
☆ Over 2 million workers are missing from the US workforce. Here's how they're paying their bills.
  + stars: | 2023-03-05 | by ( Madison Hoff | ) www.businessinsider.com   time to read: +7 min
There are over two million workers missing from the US labor force, per Bank of America Institute. They can thank gig work, living with others who are earning money, and excess savings or stimulus money during the pandemic. "There's no single driver that's really causing people not returning back to the labor force," Zhou told Insider. Below are different ways these "missing workers" from the labor force may still be affording expenses and paying bills. The "financial buffer" that some of these missing workers may be relying on could be a "temporary reason" they left.
☆ Writing your résumé with AI makes it easier to find a job, a study finds. But this edge could vanish once everybody's doing it.
  + stars: | 2023-03-01 | by ( Madison Hoff | Jacob Zinkula | ) www.businessinsider.com   time to read: +5 min
Using AI to help write your résumé improves your odds of landing a job, a study found. While the study didn't use ChatGPT, it points to AI's potential to help job seekers. Meaning, van Inwegen said, that employers "do care about" résumé writing. But if AI tools like ChatGPT proliferate — and millions of job seekers begin using AI tools to craft their résumé, it might get harder to stand out. "Everyone's résumé will have gone through some sort of algorithmic checker," van Inwegen said.
☆ Millennials are building up a mountain of debt in pursuit of the middle-class American dream — and they're starting to miss credit card payments at an alarming rate
  + stars: | 2023-02-28 | by ( Jacob Zinkula | ) www.businessinsider.com   time to read: +7 min
This debt load is beginning to takes it toll — the NY Fed's report found that millennials are missing credit card and auto loan payments at rising rates. Millennials are starting to miss credit card paymentsAfter falling over the last few years as borrowers paid down their balances, US credit card debt rose $61 billion in the fourth quarter, the largest increase in the history of the NY Fed's data, which dates back to 1999. This increase brought total credit card balances to $986 billion, surpassing the pre-pandemic high of $927 billion. Inflation has caused many millennial consumers to spend more, save less, and ultimately turn to credit card debt as pandemic-era savings have run out. While there are surely several factors fueling credit card debt among millennials, the high cost of childcare and related expenses surely aren't helping.
☆ A millennial went from living paycheck to paycheck to earning $100,000 last year helping people move through TaskRabbit
  + stars: | 2023-02-26 | by ( Jacob Zinkula | ) www.businessinsider.com   time to read: +6 min
Two years later, the 33-year-old earned $100,000 helping people move through TaskRabbit. And he did so working just 10 to 30 hours per week. Samuel does some furniture assembly and delivery tasks, but his typical job involves helping clients move. "I will work around 30 hours a week. "My favorite part of working through Taskrabbit is the travel and helping my clients," he said.
☆ Gary Vaynerchuk compares the rise of AI like ChatGPT to the way the internet revolutionized work: 'AI is coming for our jobs and that's ok'
  + stars: | 2023-02-24 | by ( Jason Lalljee | ) www.businessinsider.com   time to read: +5 min
Gary Vaynerchuk predicts that AI software like ChatGPT will eliminate many jobs. He's optimistic about workers' ability to rally and adapt to AI, or create new roles. That's been true to an extent about previous types of automation, but AI looks likely to impact a broader demographic of workers. Like Vaynerchuk points out, there's some reason to be optimistic long-term about the job shake ups technology can cause. But Vaynerchuk is more convinced that AI represents the status quo for automation.
☆ US companies have stopped talking about an imminent recession
  + stars: | 2023-02-22 | by ( Jacob Zinkula | ) www.businessinsider.com   time to read: +3 min
Executives at major US companies have slowed down warnings of a coming recession. That's according to a Goldman Sachs analysis of US company earnings calls. Goldman Sachs, for instance, recently cut its odds for a recession over the next year from 35% to 25%. The Goldman Sachs note, for instance, listed 10 corporations that predicted a recession this year on their most recent earnings calls, including Bank of America, Citigroup, McDonald's, JP Morgan, UPS, and Tesla. While it hasn't made much of a dent in unemployment data yet, many companies have done layoffs in recent months.
☆ AI is helping your company decide who to lay off
  + stars: | 2023-02-22 | by ( Jacob Zinkula | ) www.businessinsider.com   time to read: +6 min
HR leaders are planning to use AI to help them make layoff decisions this year. ChatGPT isn't among the AI tools being used for personnel decisions. It's unclear how many companies use AI tools when conducting performance reviews and promotions, but some employees say they're concerned about it. AI is being used for hiring and firing, but some experts have concernsFor many years, companies have used AI to process resumes, conduct interviews, and evaluate candidates. While some experts have argued AI tools could help reduce bias during the hiring process, others have raised concerns.
☆ Millions of millennials could soon enter a midlife crisis. But they're going to spend and divorce less — and value experiences more — than prior generations.
  + stars: | 2023-02-22 | by ( Jacob Zinkula | ) www.businessinsider.com   time to read: +6 min
Millions of millennials could experience a midlife crisis over the next decade. But even if the midlife crisis persists among millennials, they're unlikely to respond to it the same way as prior generations. That said, there's some evidence that millennials' spending habits are actually a bit different than those of Gen X and boomers. So when the midlife crisis comes, millennials may respond by taking a big vacation rather than buying a sports car. The lower marriage rate among millennials is among the reasons they've also had fewer children than prior generations.
☆ United Airlines New Policy Eliminates One Extra Cost for Families
  + stars: | 2023-02-20 | by ( Jacob Zinkula | ) www.businessinsider.com   time to read: +3 min
A new United Airlines policy will make it cheaper for families to fly together. United Airlines says customers will start to see more adjacent seat options immediately. On Monday, the company said it has made changes that allows adults to sit next to children younger than 12-years-old without paying an additional cost. Most airlines, including United, say they already take steps to ensure families can sit together, whether it be during the booking process or at the gate. United said it's planning to roll out more "family-friendly features" this year but did not say what they will be.
☆ Relax, those objects in the sky are probably just from one of the 90 countries and 10,000 companies that make up the nearly $1 trillion space economy
  + stars: | 2023-02-17 | by ( Jacob Zinkula | ) www.businessinsider.com   time to read: +4 min
The US shot down three unidentified objects over the weekend, following the downing of a Chinese balloon earlier this month. The space economy was valued at nearly $500 billion in 2021 and is expected to grow to over $1 trillion by 2030. Over the weekend, the US shot down three unidentified objects over Alaska, Canada, and Lake Huron. These entities, none of which have claimed ownership of the objects, include the 90 countries and roughly 10,000 companies currently involved in the global space industry. But on Monday, the White House said President Biden will establish a team to analyze unidentified objects in the US airspace.
☆ Americans are quitting plant-based meat due to high prices, worse taste, and questionable health benefits
  + stars: | 2023-02-15 | by ( Jacob Zinkula | ) www.businessinsider.com   time to read: +5 min
In 2020, retail sales of plant-based meat grew 45%, surpassing the $1 billion mark for the first time. Questionable taste and health benefits are scaring off consumersFirst, it's unclear whether the plant-based meat industry has a growing customer base. On the all-important issue of taste, many Americans say plant-based meat disappoints, and some experts think the industry's efforts to compare plant-based meat to the real thing is a losing battle. Additionally, while plant-based meat has environmental benefits, growing research suggests it may not be much — if at all — healthier than traditional meat, something consumers are beginning to suspect. It's also possible that cultivated meat — meat grown from animal cells in a lab — will prove to be the answer, though this innovation could face some obstacles as well.
☆ The US economy needs immigrants. A rising share of both Democrats and Republicans don't want them.
  + stars: | 2023-02-14 | by ( Jacob Zinkula | ) www.businessinsider.com   time to read: +6 min
But a growing share of both Democrats and Republicans wants less immigration. This sentiment could be in response to the rise of migrants at the southern border in recent years. But a rising share of both Democrats and Republicans want the country to reduce immigration. After plummeting during 2020 due to the pandemic, the US Border Patrol reported a record-high nearly 1.7 million encounters with migrants at the US-Mexico border in 2021. Last year, a new record was set with over 2 million encounters.
☆ 4 tips to save money with brands like Nike and Starbucks from a TikToker who paid off $200,000 in student debt in 2 years
  + stars: | 2023-02-14 | by ( Jacob Zinkula | ) www.businessinsider.com   time to read: +5 min
She said these tips could save people money on a laptop, coffee, deliveries, and medical bills. Her most popular content features her "reading the fine print" of companies' terms and conditions to help people save money. Insider compiled a list of four of Kullberg's other top tips for how "reading the fine print" can save you money. Here's how Starbucks officially puts it:"At participating stores, you can use your registered Starbucks Card or Starbucks app to purchase a beverage and then present that same Starbucks Card or Starbucks account in the app to get free refills." Last year, the Kaiser Family Foundation found that three million Americans owe over $10,000 in medical debt.
☆ How 6 workers are using ChatGPT to make their jobs easier
  + stars: | 2023-02-11 | by ( Madison Hoff | Jacob Zinkula | ) www.businessinsider.com   time to read: +11 min
"It's absolutely true that AI applications like ChatGPT can very much improve workers' lives," Mark Muro, a senior fellow at the Brookings Institution previously told Insider. But if used correctly, ChatGPT can help some workers with tasks and save them time while doing so. Insider spoke with six workers in sectors that include education and real estate who are using ChatGPT to make their jobs easier. A realtor with eXp Realty also used ChatGPT for a listing in Iowa that was highlighted in a CNN post. Now two months later, LaRue told Insider she uses ChatGPT "everyday" to help write proposals, video scripts, and press releases.
☆ A record number of Americans are betting on the Super Bowl this year
  + stars: | 2023-02-10 | by ( Jacob Zinkula | ) www.businessinsider.com   time to read: +3 min
A record 50 million Americans are expected to bet on the Super Bowl. Over 50 million Americans — or roughly one in five US adults — are projected to place a bet on the Super Bowl, per an American Gaming Association survey conducted last week of over 2,100 Americans. If you've ever participated in a Super Bowl squares contest, you might not have thought of it as gambling, but the AGA counted these people among the bettors. For the first time, however, the AGA said it's projecting the number of traditional Super Bowl bettors — through online or retail sportsbooks — to exceed the number who bet casually with friends or through a squares contest. That's 30 million projected traditional bettors to 28 million casual, with some people expected to participate in both formats.
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