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☆ Gen Z might have missed out on their chance to get rich through homeownership
▼ + stars: | 2024-07-13 | by ( Jacob Zinkula | Andy Kiersz | ) www.businessinsider.com time to read: +6 min

Read previewHomeownership is helping some millennials get rich — but Gen Zers might have a hard time following in their footsteps. Some Gen Zers managed to get in on the fun — about a quarter of Gen Zers between the ages of 19 and 26 owned a home as of 2023, per Redfin. AdvertisementWhat's more, Silk said there's a larger reason Gen Zers shouldn't count on homeownership to boost their wealth. AdvertisementThese costs are already putting pressure on current homeowners, and by the time more Gen Zers buy homes, they could be even more burdensome. Their monthly payment is gone forever, and it has zero chance of providing an investment return.

Persons: —, Zers, millennials, Gen Zers, Roger Silk, Silk, hasn't, It's, it's Organizations: Service, Federal Reserve, Business, World Bank

☆ My wife and I are boomers with no kids. We moved to Paris for retirement and enjoy the food and cheap travel.
▼ + stars: | 2024-07-12 | by ( Jane Ridley | ) www.businessinsider.com time to read: +7 min

AdvertisementEllen was a member of Alliance Française, an organization centered on learning French and understanding the culture in France. It helped that we belong to the Association of American Residents Overseas, which has about 1,000 members in Paris. The food markets are phenomenalOn any given day except Monday, Paris hosts huge, open-air food markets where farmers arrive to sell their fresh produce. It's a walkable cityParis is the most walkable city I've ever been in. I've heard three or four French people who have spent time in either the US or Canada and then moved back to France.

Persons: —, Rick Jones, Ellen Bryson, who've, Ellen, I'd, Jones, It's, who's, Bryson, We'll, I've, don't, Macron Organizations: Service, Navy SEAL, Business, Left Bank, Association of American Residents Overseas, Paris, Vitesse, Global, Equality Locations: Buenos Aires, Norfolk, Virginia, San Diego, London, Persian, France, Paris, San Francisco, Marseille, Liberty, Canada

☆ Artists in New York got $1,000 monthly through a basic income program. One participant used the money to pay bills and afford healthcare.
▼ + stars: | 2024-07-12 | by ( Allie Kelly | ) www.businessinsider.com time to read: +7 min

Bunnell was a participant in Creatives Rebuild New York's guaranteed income program. Some of the guaranteed income participants lived in cities, while others lived in rural areas. Related storiesCreatives Rebuild New York's guaranteed income program joins over 100 similar pilots across the US aimed at reducing local poverty levels. The organization allocated $43.2 million total to the guaranteed income program and $61.6 million to the artist employment program. Courtesy of Jacinta BunnellHave you benefited from a guaranteed income program?

Persons: —, Jacinta Bunnell, Bunnell, Stavros Niarchos, Dr, Diana Pearce, Maura Cuffie, Peterson, Jacinta Bunnell Bunnell, I've, Jacinta Organizations: Service, Business, Mellon Foundation, Tides Center, Ford Foundation, Rebuild, New Locations: Stone Ridge , New York, Manhattan, New York, Northwest Brooklyn, Rebuild New York, York

☆ Elon Musk denies he volunteered his sperm to help start a Martian colony
▼ + stars: | 2024-07-12 | by ( Tom Carter | ) www.businessinsider.com time to read: +2 min

Read previewElon Musk has denied that he offered up his sperm to help start a colony on Mars. "I have not, for what it's worth, 'volunteered my sperm'" wrote Musk in a post on X. Two people with knowledge of Musk's comments also told the NYT the Tesla CEO had volunteered his sperm to help grow the colony. Experts told Business Insider that it is unclear how practical it would be for Musk to send sperm to Mars. Elon Musk and SpaceX did not immediately respond to a request for comment from Business Insider, made outside normal working hours.

Persons: —, Elon Musk, I've, Musk, Adam Watkins Organizations: Service, SpaceX, New York Times, Business, Times, Mars, University of Nottingham Locations: Mars

☆ Google revamps its ambitions for AR glasses to make up lost ground and stem defectors to Meta
▼ + stars: | 2024-07-12 | by ( Hugh Langley | ) www.businessinsider.com time to read: +11 min

Hugo Swart, formerly Qualcomm's head of XR, joined Google's AR group in April to lead ecosystem strategy and partner relationships. Related storiesMark Lucovsky, a senior director on Google's AR software, left last July, citing "changes in AR leadership and Google's unstable commitment and vision" to the product. "Doing anything first-party is a challenge relationship-wise," said a former Google AR team member. There is internal speculation that Samsung will be the first to also build glasses with Google's AR software, according to two employees familiar with the matter. Without a device of its own and with its AR software still in development, Google now finds itself on the back foot.

Persons: —, Google, it's, Sergey Brin, Rick Osterloh, Ramin Talaie, Shahram Izadi, HoloLens, Hugo Swart, Swart, reshuffles, Jeffrey Margolis, Mark Lucovsky, Paul Greco, Barry, Betty, Harriet Google, Harriet, Said Bakadir, Iris, Apple, Kim Kulish, Meta, Anshel Sag Organizations: Service, Astra, Business, Google, Samsung, Tech, Getty, Android, Google's, Microsoft, Meta, XR, Qualcomm, Samsung Unpacked, Samsung Google, Vision, Lenovo, Moor Locations: hughlangley

☆ I've been a recruiter for the corporate elite for 25 years. These 10 mistakes can cost even the most brilliant candidate their dream job.
▼ + stars: | 2024-07-12 | by ( Deepali Vyas | ) www.businessinsider.com time to read: +8 min

Read previewAfter nearly 25 years of headhunting for the corporate elite, I've seen it all. But I've seen too many candidates rest on their laurels, assuming their existing Rolodex (yes, some still have those) is enough. I've seen it happen, and it's not pretty. I've seen candidates lowball themselves out of insecurity, and others demand outrageous packages out of hubris. I've seen candidates ghost companies after multiple rounds of interviews or respond poorly to rejection.

Persons: —, I've, they're, it's, I'm, Skip, you'll, It's, today's, Deepali Vyas, Tess Martinelli, tmartinelli@businessinsider.com Organizations: Service, Business, Google

☆ The latest trick companies could be using to pay workers less
▼ + stars: | 2024-07-11 | by ( Jacob Zinkula | ) www.businessinsider.com time to read: +7 min

More US companies are dropping experience and education requirements from their job postings. AdvertisementDropping hiring requirements could save some companies moneyThere's some evidence that companies could already be dropping hiring requirements in part to cut costs. He found that the industries with the largest declines in hiring requirements also saw "rapidly cooling demand" for workers over this period. The marketing and IT sectors also have experienced hiring slowdowns and large declines in hiring requirements, per Indeed data. It's not clear how much of an impact the decline in hiring requirements has had on employer's labor costs.

Persons: —, Cory Stahle, Stahle, slowdowns Organizations: Service, Business, LinkedIn

☆ I'm from the UK and moved to the US 19 years ago. Time zones still confuse me, and I don't get why people love long road trips.
▼ + stars: | 2024-07-11 | by ( Jane Ridley | ) www.businessinsider.com time to read: +5 min

Read previewIt's not very often that you're offered a job in an exciting new country — at least in my case. AdvertisementAmericans love road tripsI can't quite understand the appeal of "The Great American Road Trip," in which you drive 700 miles in one day while singing along to rock ballads. Thanks to a fun game in the car, I actually enjoyed my road trip to Maine last week. AdvertisementMeanwhile, there are six in the US, which encompasses 3,532,316 square miles, including Alaska Standard Time and Hawaii-Aleutian Standard Time. "Some things you get used to, some things you don't," goes the old saying about making a big change.

Persons: —, I've, I'm, Jane Ridley, reckons it's Organizations: Service, Business, ZZ Locations: England, Manhattan, America, London, Edinburgh, Florida, New York, Maine, American, Alabama, Scotland, Wales, Alaska, Hawaii, Oregon, Los Angeles and New York City, California, York, Britain

☆ Citi has 12,000 employees dedicated to pleasing regulators and fixing the bank's broken tech. It is going terribly.
▼ + stars: | 2024-07-11 | by ( Hayley Cuccinello | ) www.businessinsider.com time to read: +6 min

download the appSign up to get the inside scoop on today’s biggest stories in markets, tech, and business — delivered daily. In hopes of regaining compliance, CEO Jane Fraser bulked up a firm-wide initiative to overhaul the bank's technology. The head count for the so-called "Transformation" program has soared to 12,000 from some 3,000 since 2021, according to earnings reports. Citi's technology shortcomings are old news, according to Wells Fargo analyst Mike Mayo. Kathleen Martin, former interim data transformation chair, is suing the bank and Anand Selvakesari, the bank's chief operations officer who oversees Transformation.

Persons: —, Jane Fraser bulked, Wells, Mike Mayo, Mayo, Fraser, We're, We've, Jane Fraser, SAUL LOEB, Janney Montgomery Scott, Timothy Coffey, Kathleen Martin, Anand Selvakesari, Martin, Selva, Hayley Cuccinello Organizations: Service, Citigroup, Citi, Business, Federal Reserve Board, Revlon, OCC, Citi —, Federal Reserve, Reuters Locations: Wells Fargo, United States, Selva, hcuccinello@businessinsider.com

☆ Meet a boomer with no retirement savings — and no regrets
▼ + stars: | 2024-07-10 | by ( Juliana Kaplan | ) www.businessinsider.com time to read: +5 min

More older Americans are heading toward retirement with little to no savings, and the situation is increasingly income-stratified. An AARP survey found that just around a fifth of American adults 50 and older have no retirement savings. AdvertisementAt the same time, there's a growing income disparity between retirement savings. And, except for the richest Americans, retirement balances didn't have any "detectable differences" during that same period — suggesting that only the highest-earning retirees were saving up more. Are you struggling with retirement savings or don't have enough money saved?

Persons: —, I've, I'm, Nancy, there's, she's subsisting, Nancy —, she'd, would've, gee, she's Organizations: Service, Business, Social Security, AARP, Survey, Consumer Finances, Office, Security Locations: Seattle, Canada

☆ An 89-year-old man runs 50 miles a week. He credits running for his longevity.
▼ + stars: | 2024-07-10 | by ( Jane Ridley | ) www.businessinsider.com time to read: +5 min

"I suppose he's my hero," Barnes told Business Insider. Bannister's accomplishment inspired him to take up competitive running — a sport at which he still excels at 89. The retired legal executive holds three British records in the over-85s category: a mile (8:10.40), 1,500 meters (7:38.41), and 3,000 meters (16:34.42). "These days, I compete against the clock," Barnes said, noting that few people in his age bracket run at a similar level. Advertisement"At my age, you can't expect to win races, so the objective is to win records," Barnes added.

Persons: —, Ian Barnes, Roger Bannister, Barnes, he's, Margaret, She's, He'd, Bannister, weathers Organizations: Service, Business Locations: British, England, London, Barnes, Europe, Britain

☆ Montana's housing crisis is a warning for older homeowners across the country
▼ + stars: | 2024-07-10 | by ( Eliza Relman | ) www.businessinsider.com time to read: +7 min

Older homeowners who live on fixed incomes are having a particularly hard time managing these rising costs. She blames rising property taxes and insurance costs but notes that inflation, in general, has also squeezed those on fixed incomes. Older homeowners are struggling in communities across the country. AdvertisementThe housing affordability crisis comes as the country is also facing a retirement crisis. AdvertisementMany older homeowners forced out of their housing end up unhoused, part of a growing homeless population in the state.

Persons: —, Beverly Dashnaw, she's, Montana, Policygenius, Dashnaw, it's, Greg Gianforte, Gianforte, you've Organizations: Service, Business, Harvard Joint Center for Housing Studies, Republican, American Locations: Montana

☆ Why Amazon wants you to pick up your Prime Day orders this year
▼ + stars: | 2024-07-10 | by ( Alex Bitter | ) www.businessinsider.com time to read: +5 min

If shoppers already go to Amazon's stores or other places with an Amazon locker, it's quite convenient, said Jeremy Bartlow, a partner and consumer expert at PA Consulting. There's another reason why Amazon would love for you to pick up your Prime Day deals instead of delivering them to your front door: their bottom line. AdvertisementEarlier this year, Amazon offered a discount at Amazon Fresh grocery stores if patrons used one of the supermarkets to return something they bought on Amazon.com, for example. Whole Foods and Fresh Prime customers can also get their groceries selected from the selves and pre-packed for pick-up for free. Do you work for Amazon, Whole Foods, or Amazon Fresh and have a story idea?

Persons: —, Amazon, Prime's, Jeremy Bartlow, Bartlow, you've Organizations: Service, Business, Foods, Amazon, U.S, PA Consulting, SEC, U.S . Postal Service, Amazon Fresh, Fresh Locations: U.S

☆ Dating in Silicon Valley is hard. I want to be married and have kids, but Big Tech is holding me back.
▼ + stars: | 2024-07-10 | by ( Robin Madell | ) www.businessinsider.com time to read: +7 min

I work at a FAANG tech company and have been an employee and manager at three other Big Tech firms over the last 10 years. Working in Big Tech has taken a major toll on my dating and personal life. Now that I'm more interested in dating, I'm finding it very difficult. Related storiesReturning to the office meant my dating life was suddenly limited to one geographical area, and my previous dating plans went kaput. Is your Big Tech job affecting your dating life?

Persons: —, I, I'd, I've, I'm, haven't, Lauryn Haas Organizations: Service, Big Tech, Business, Amazon, lhaas@businessinsider.com Locations: Silicon Valley, East, New York, West Coast, Boston, Bay

☆ Costco is raising its membership fee for the first time in 7 years
▼ + stars: | 2024-07-10 | by ( Alex Bitter | ) www.businessinsider.com time to read: +2 min

Costco said Wednesday that it's raising its annual membership fee. AdvertisementCostco's annual membership fee is getting more expensive. The membership prices are the same amount regardless of currency — a Gold Star membership in Canada runs 60 Canadian dollars, for example. The increase is the first time that Costco has raised its membership fee since 2017. In May, Costco CFO Gary Millerchip said that a fee increase would happen at some point, adding that it was a question "of when we increase the fee, rather than if we increase the fee."

Persons: —, Gary Millerchip Organizations: Costco, Service, Star, Business Locations: Canada

☆ A Texas Gen Xer explains why he regrets going to college in his 40s
▼ + stars: | 2024-07-09 | by ( Jacob Zinkula | ) www.businessinsider.com time to read: +7 min

Read previewIn 2018, at age 40, Kenneth Ferraro decided to pursue a college degree for the first time. Ferraro, who's based in Texas, had worked as a truck driver for decades, he told Business Insider via email. The perceived benefits of a college degree have led more Americans to go back to school later in life. Related storiesFerraro shared the biggest challenges he's faced in his job search, including why he thinks having a college degree has sometimes worked against him. While having a college degree improved his credentials, he thinks his age has held him back in the job market.

Persons: —, Kenneth Ferraro, Ferraro, who's, Ferraro's, he's, it's, " Ferraro, wasn't Organizations: Service, Business, New York University, Bureau of Labor Statistics, National Center for Education Statistics, New York Fed Locations: Texas

☆ Tesla prioritizes Musk's and other 'VIP' drivers' data to train self-driving software
▼ + stars: | 2024-07-09 | by ( Grace Kay | ) www.businessinsider.com time to read: +14 min

Business Insider has learned that those annotators focus their efforts on two high-profile categories of drivers: Tesla CEO Elon Musk and a select set of "VIP" drivers. These drivers are internally referred to as "VIP" users and their data is at times put in VIP queues, according to the workers. Related storiesData collected from VIP users, including high-profile Tesla drivers who post on YouTube, is scrutinized more heavily and more likely to be labeled, three current and former workers said. They said they'd been specifically told by leads on their teams that they were working on "VIP data" and had received overtime pay to work on the data ahead of FSD updates. Tesla's self-driving in the regulatory spotlightTesla has come under increasing scrutiny from regulators over the self-driving software and the company's marketing of the service.

Persons: —, Elon Musk, Musk's Teslas, YouTubers, Musk, Tesla, Tesla's, John Bernal, Bernal, else's, annotators, Walter Isaacson's, Tesla influencers, FSD, they'd, Raj Balwani, Chuck Cook, Tesla Raj, Balwani, I've, Cook, he'd, they're, Missy Cummings, Cummings, Philip Koopman, Koopman Organizations: Service, Business, Tesla, SpaceX, Twitter, California Department of Transportation, YouTube, National, Traffic Safety Administration, Carnegie Mellon University, US Justice Department Locations: Hillsborough , California, Tesla's Austin, Fremont , California, Hawthorne , California, California, San Francisco, Buffalo , New York, Los Angeles, Hawthorne, YouTubers, Lombard

☆ Some workers say they're still 'coffee badging,' or swiping into work to show their faces before quickly returning home
▼ + stars: | 2024-07-09 | by ( Sarah Jackson | ) www.businessinsider.com time to read: +3 min

Read previewMonths after "coffee badging" was coined, some workers are still using the move to avoid having to work from the office … sort of. They're still going to the office, it's true; they're just not spending much time there. The continued practice of coffee badging highlights the resistance some companies are facing as they attempt to increase office attendance after shifting to hybrid or fully in-person attendance. Business Insider previously reported that Dell, meanwhile, is implementing a color-coded system to grade office attendance for hybrid workers. Are you coffee badging at work, or do you have another work story to share?

Persons: —, They're, they've, haven't, Dell, Wells Organizations: Service, Owl Labs, Business, Labs, Bank of America, Wells Fargo

☆ PIPs have rankled the Wall Street Journal newsroom and are at the center of a new lawsuit
▼ + stars: | 2024-07-09 | by ( Lucia Moses | ) www.businessinsider.com time to read: +6 min

Read previewAn uptick in disciplinary actions during Emma Tucker's reign at The Wall Street Journal has unnerved the newsroom, and now a former Journal reporter has filed a lawsuit challenging them. The lawsuit, filed by Stephanie Armour, alleges that she was fraudulently targeted for dismissal starting in April 2024 despite excelling in her job. Some said they saw the moves as a way to get rid of high-earning employees who are protected from being fired without cause by Journal publisher Dow Jones' union, IAPE. It was formed after Rupert Murdoch's acquisition of Dow Jones in 2007 to allay concerns of Dow Jones' longtime former owners, the Bancroft family. Dow Jones and editorial leadership haven't immediately responded to requests for comment from Business Insider.

Persons: —, Emma Tucker's, Stephanie Armour, they've, Dow Jones, Jodi Green, Rupert Murdoch's, Bancroft, Tucker's, Damian Paletta, Janet Adamy, Armour, Paletta, Amour, I'd, I've, Robert Housman, Housman, haven't, Tucker, Lucia Moses Organizations: Service, Wall, Business, Dow, Journal, Dow Jones & Co, Washington, District of Columbia, Hill Partners Locations: lmoses@businessinsider.com

☆ A Cracker Barrel hostess reveals how the restaurant tries to sell you more food
▼ + stars: | 2024-07-07 | by ( Alex Bitter | ) www.businessinsider.com time to read: +4 min

Read previewAt a Cracker Barrel in the Midwest, busloads of diners pull in from the interstate most Saturday nights and swarm the entrance. Cracker Barrel is upselling customers with packaged foodThe hostess said her Cracker Barrel location is increasingly trying to get customers to buy more food and drinks through various upselling strategies. "As a company, Cracker Barrel communicates menu updates and innovations to guests in a variety of ways including in-store through our servers and hosts and through signage throughout the restaurant and digitally though email, social media and through the Cracker Barrel app and Cracker Barrel Rewards," the spokesperson said. Cracker Barrel said in May that quarterly revenue declined 1.9% to $817.1 million year-over-year. AdvertisementDo you work at Cracker Barrel or another major restaurant and have a story idea to share?

Persons: —, Craig Pommells Organizations: Service, Business Locations: Pennsylvania

☆ Job switchers hoping for a big raise are in for disappointment
▼ + stars: | 2024-07-07 | by ( Madison Hoff | ) www.businessinsider.com time to read: +4 min

Read previewHere's some less-than-great news if you're looking to job-hop because of your pay: People changing roles likely won't be getting as big of a wage bump as past job switchers. However, the report said that "median pay raises appear to have moderated to around 10%" as of this past May. The drops in the median pay raise for job-to-job movers from 2022 to 2024 were felt across workers in all income groups, the Bank of America Institute found. Still, the report noted that lower-income Bank of America customers — those making under $50,000 a year — had the highest median pay gains. AdvertisementThe report said that those middle- and upper-income job seekers may "have somewhat less leverage and bargaining power in negotiating a raise on taking a job."

Persons: —, David Tinsley, Tinsley, there's, switchers Organizations: Service, Bank of America Institute, Business, Bureau of Labor Statistics, Bank of America, New, of Labor Statistics Locations: Atlanta

☆ A California city is giving new parents $500 a month. It's one of a growing number of basic income pilots focused on families.
▼ + stars: | 2024-07-07 | by ( Allie Kelly | ) www.businessinsider.com time to read: +6 min

That's why city officials in Pomona, California — a city in LA county — are planning to offer guaranteed basic income to new parents. The basic income pilot — called Pomona Household Universal Grants Pilot Program — is run through the city and FORWARD, an organization that helps governments administer resources to their communities. Pomona's program mirrors over 100 basic income pilots across America. Basic income continues to face political and legal opposition across the US, and not all policymakers agree that cash payments are a sustainable approach to poverty. Have you benefited from a guaranteed basic income program?

Persons: —, Joe Biden's, Tim Sandoval, Sandoval, Louis, Luke Shaefer, Shaefer Organizations: Service, Business, Pomona Household, SNAP, University of California, Mayor, Child Tax, Infants, University of Michigan Locations: Pomona , California, LA, Pomona, America, Los Angeles, Baltimore, St, Marin County , California, Flint

☆ A New York City Airbnb host was shut down under the short-term rental law. He's now renting his basement illegally on Facebook and making crucial income after he was laid off.
▼ + stars: | 2024-07-07 | by ( Eliza Relman | ) www.businessinsider.com time to read: +7 min

But they're knowingly violating New York City's new law banning most short-term rentals. To comply with the law, they would need to open up their personal living room and kitchen to their Airbnb guests. Less than a year into enforcement of the near-ban, it's not clear whether New York City is achieving this goal, but it has made hotel rooms more expensive. AdvertisementCrucial income after a layoffAfter the city rejected his application, Paul says he was "pissed off" and decided to find other ways to rent the basement out to short-term guests. AdvertisementHave you been impacted by New York City's short-term rental regulations?

Persons: Paul, they're, helpfully, Airbnbs, he's, He's, OSE, fining, —, Airbnb, wouldn't Organizations: Service, Business, York, Queens, New York, city's, Special Enforcement, Facebook Locations: Astoria , Queens, Astoria, Asia, Europe, New York City, Irvine , California, New York, New

☆ A Gen X dad supercommutes from Texas to Arizona every week. He explains why it's worth it for his career — despite the extra costs.
▼ + stars: | 2024-07-07 | by ( Ayelet Sheffey | ) www.businessinsider.com time to read: +6 min

Then 2022 rolled around, and Dabney was offered a promotion within his company to be a program director — in Phoenix. Dabney was excited about the opportunity, and he viewed it as the perfect chance to advance his career and boost his income. And that has been crucial to decisions that I've made over the years about where to go and where to work," Dabney told Business Insider. While he said his company helped him with relocating costs, he estimated the supercommute costs him around an extra $20,000 each year. Advertisement"It was a nonstarter ripping my kids out of high school to go to Louisiana and then eventually Phoenix," Dabney said.

Persons: Dennis Dabney, Dabney, —, I've, he's, it's, Nick Bloom, Alex Finan Organizations: Service, Air Force, Business, Survey, Census Bureau, Stanford Locations: Virginia, Fort Worth , Texas, Phoenix, Fort Worth, Louisiana, Texas

☆ Summer is a money pit for parents
▼ + stars: | 2024-07-06 | by ( Juliana Kaplan | Madison Hoff | ) www.businessinsider.com time to read: +10 min

The 34-year-old mom of four said most of these summer camps were already paid up front earlier this year. AdvertisementMeanwhile, 23% of parents, among those who reported they'd be paying for summer programs, expected to pay over $1,000 a month per child during the summer. Broadly, 61% of parents with kids under 18 years old said it "feels even more expensive to raise kids in the summer months." Bowling, who lives in LA, sends her children to a Jewish summer camp, which has long been held as an important cultural touchstone in the American Jewish community. "At the Y, we really want to make sure summer camp is accessible for all."

Persons: Paige Connell, Connell, Courtney Alev, Tom Rosenberg, Rosenberg, Alex Mnatsakanov, it's, Mnatsakanov, they'd, they're, Alev, It's, Dana Bowling, Bowling, Lisa Garcia, Garcia, doesn't Organizations: Service, Business, American Camp Association, Camp, Intuit, American Jewish, YMCA Locations: LA, American, Greater New York, she's

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