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☆ 5 real estate investors who started with low credit scores or zero credit at all share 4 strategies they used to boost their credit and buy their first homes
▼ + stars: | 2023-04-29 | by ( Kathleen Elkins | ) www.businessinsider.com time to read: +10 min

Insider has spoken to successful real estate investors who started with terrible credit, or no credit at all, and still managed to buy investment properties. Like many young students, they didn't fully understand how credit worked and ended up racking up credit card debt. Apply for a secured credit card and pay your bills on timeWithout any credit history, Afzal couldn't open a regular credit card. Instead, he had to start by getting a secured credit card, which is a starter card that doesn't require a credit history or credit score. The credit card company will hold that money as collateral if you end up defaulting your card.

☆ The class of 2023 wants jobs that match their personal values and interests, even if it means less money
▼ + stars: | 2023-04-29 | by ( Ethan Dodd | ) www.businessinsider.com time to read: +7 min

Today's college grads want work that speaks to their values and interests. Today's availability of jobs mean Gen Z can afford work that pays less. Not to mention, the rise of remote work means "you're not forced to live in the most expensive city," Krembs said. Companies are struggling to appeal to Gen ZJust after Gen Z started graduating from college and entering the workforce, large companies started making progressive commitments. Perhaps unsatisfied with the big companies on offer, Gen Z is taking on side hustles and freelancing to work towards their values and interests.

Students with a limited credit history are unlikely to be approved for the best credit cards, and even some student credit cards require good to excellent credit. Step is a secured credit card that has a dynamic credit limit that is attached to the bank account balance -- it operates like a debit card but it is a credit card, which is what enables the unique credit building feature. Best Credit Cards for Students With No Credit of 2023Methodology: How we chose the best credit cards for students with no creditInsider's credit cards team looked at dozens of student credit cards, secured credit cards, and starter credit cards and narrowed down the list by choosing only those that students with limited or no credit have a good chance of qualifying for. Credit Cards for Students With No Credit Frequently Asked Questions (FAQ)Which credit card is best for students with no credit? US Bank Altitude Go Secured Credit Card ReviewBest for Students Under 18Step Secured Visa CardWhile credit card accounts are only available to those aged 18 and over, the Step Secured Visa Card offers a solution for students looking to build credit who haven't yet reached legal adulthood.

☆ These 25 companies have the highest-paying internships of 2023 — with some paying more than $9,000 a month
▼ + stars: | 2023-04-26 | by ( Sarah Jackson | ) www.businessinsider.com time to read: +1 min

Glassdoor published a ranking of 25 companies with the highest average monthly base pay, based on survey responses. Here's look at the Top 25 best-paying internships of 2023, according to Glassdoor. The anonymous workplace review site compiled a list of 25 companies with the best-paying internships, based on the highest average monthly base pay for interns as reported to Glassdoor by interns over the past year. Companies had to have received 30 salary reports by US-based interns over the past year to be considered for the list. Take a look at the top-paying internships of 2023, according to Glassdoor, based on surveys it's received:

☆ Inside the AI talent wars: Tech companies are ransacking university AI programs at Stanford, MIT, and Cornell in search of engineers
▼ + stars: | 2023-04-24 | by ( Stephanie Palazzolo | Melia Russell | ) www.businessinsider.com time to read: +11 min

Driven by the recent AI boom, companies are raiding top college campuses for rare technical talent. She's currently on leave from her Stanford AI Ph.D. program to focus on Moonhub. In 2011, new AI Ph.D. graduates took jobs in the tech industry and academia in about equal measure. But since then, the majority of new grads have headed to the AI industry, with nearly double the percentage of AI Ph.D. grads taking industry jobs versus academic roles in 2021, according to Stanford's Institute for Human-Centered AI's 2023 AI Index Report. "All AI companies have roles for people with Ph.D.s and without," said Attaluri, the soon-to-be researcher at DeepMind.

☆ The Janes 1960s underground abortion network
▼ + stars: | 2023-04-23 | by ( Sandee Lamotte | ) edition.cnn.com time to read: +28 min

The group was officially created in 1969 as the “Abortion Counseling Service of Women’s Liberation.”But after running ads in an underground newspaper: “Pregnant? “It wasn’t just abortion,” Barron explained. “Vacuum aspiration was much easier to do, and I think it’s less difficult for the woman,” Scott said. We had to keep the service running.”Laura Kaplan volunteered for the Janes, later immortalizing the group in her book, "The Story of Jane: The Legendary Underground Feminist Abortion Service." Each Jane was charged with 11 counts of abortion and conspiracy to commit abortion, with a possible sentence of up to 110 years in prison.

☆ JPMorgan is asking senior managers to be in the office five days a week. Here's the latest on return-to-office mandates.
▼ + stars: | 2023-04-16 | by ( Matt Turner | Dave Smith | ) www.businessinsider.com time to read: +4 min

On the agenda today:But first: JPMorgan is asking senior managers to be in the office five days a week. The company told senior managers this week that they "have to be visible on the floor" in a memo asking managing directors to be in the office five days a week. Last month, Disney told employees they were expected to be back to the office four days a week. And Amazon said it wants all employees back in the office at least three days a week by next month, setting off both internal opposition and support, and a scramble to get office space ready. A dozen former Kittyhawk employees told Insider that Kittyhawk found itself torn between the conflicting visions and shifting priorities of its billionaire founder and his handpicked CEO.

☆ A TikToker who calls herself 'your rich BFF' is teaching 'broke adults' how to claim cash from Ikea
▼ + stars: | 2023-04-14 | by ( Aditi Bharade | ) www.businessinsider.com time to read: +2 min

TikToker "Yourrichbff" wants to help "broke adults" get cash from IKEA. In a TikTok, she spoke about how Ikea settled a 2019 class action lawsuit for $24 million. US shoppers who bought items from IKEA between 2017 to 2019 might be able to claim up to $60. At press time, her TikTok on Ikea claims had been viewed more than 674,000 times. Vivian and representatives for IKEA did not immediately respond to Insider's requests for comment sent outside regular business hours.

☆ Inside the AI talent wars: Tech companies are ransacking university AI programs at Stanford, MIT, and Cornell in search of rare talent
▼ + stars: | 2023-04-12 | by ( Stephanie Palazzolo | Melia Russell | ) www.businessinsider.com time to read: +11 min

☆ This strategy could save thousands off the cost of college: 'It's a very smart way to start your higher education,' says expert
▼ + stars: | 2023-04-09 | by ( Jessica Dickler | ) www.cnbc.com time to read: +5 min

Gabriel Quezada, 17, is a senior at Early College High School in Costa Mesa, California. His father, Humberto Quezada, said he first heard about the Early College High School in Costa Mesa, California, when Gabriel was in third grade. Although there are up to 900 early college programs nationwide, according to Zeiser, not that many people know about them. 'A very smart way to start your higher education'"The culture is different from your average high school," said David Martinez, principal of the Early College High School. David Martinez principal of Early College High School, Costa Mesa, California

☆ My Instagram and TikTok side hustle books up to $16,000 in monthly revenue. It's my third business and I finally learned how to find success.
▼ + stars: | 2023-04-07 | by ( Alexandra York | ) www.businessinsider.com time to read: +5 min

Today, his TikTok and Instagram accounts book up to $16,000 a month in revenue. He tried one more adjustment earlier in the pandemic and experimented with creating TikTok and Instagram content about the corporate world, finally finding his audience. Then, when TikTok started growing in popularity earlier in the pandemic, a friend encouraged me to start creating content for that platform instead. For months, I spent multiple hours every night watching TikTok videos in the corporate-humor niche. I also created three videos for a campaign with TikTok to be used on the @TikTok_Small_Business channel, which paid me $10,000.

☆ The Targeting of Donald Trump
▼ + stars: | 2023-04-06 | by ( Daniel Henninger | ) www.wsj.com time to read: 1 min

When New York Mayor Eric Adams heard that Georgia Rep. Marjorie Taylor Greene was coming to the city for Manhattan prosecutor Alvin Bragg ’s arraignment of former U.S. President Donald Trump, he said: “Control yourselves. New York City is our home, not a playground for your misplaced anger.” Where’s he been? For Manhattan’s professional progressives, the indictment of Mr. Trump was just another day at the playground. Politics as the American left’s personal playpen probably began with the Occupy movement in 2011. Who today remembers what its point was? For nearly 60 days, the Occupy Wall Street movement took over Zuccotti Park in lower Manhattan.

☆ Bosses Want Hard Workers—So They’re Hiring Older People
▼ + stars: | 2023-04-06 | by ( Callum Borchers | ) www.wsj.com time to read: 1 min

Kip Conforti is hiring for a part-time position at one of two package-shipping stations that he owns in Pennsylvania. He’s filled such roles with high school and college students during two decades in business, but this time his top candidate is a man in his 70s. Mr. Conforti has grown weary of younger employees who, he says, arrive late for shifts, call out of work often and spend more time scrolling social media feeds than chatting with customers. About a year ago, he tried something different—recruiting people who are more likely to carry AARP cards than the latest iPhone.

☆ Do Older Workers Work Harder? Some Bosses Think So
▼ + stars: | 2023-04-06 | by ( Callum Borchers | ) www.wsj.com time to read: 1 min

☆ Frank founder Charlie Javice, who allegedly defrauded JPMorgan out of $175 million, hit with federal charges
▼ + stars: | 2023-04-04 | by ( Katherine Long | Jack Newsham | ) www.businessinsider.com time to read: +4 min

Charlie Javice, who sold her student-aid startup Frank to JPMorgan Chase, was charged with fraud. The bank claimed Javice faked millions of customers to convince it to buy Frank for $175 million. Federal prosecutors in Manhattan charged Javice with wire fraud affecting a financial institution, securities fraud, bank fraud and conspiracy on Tuesday. JPMorgan acquired Frank in 2021 for $175 million, but began to question the authenticity of the startup's purported 4 million users after an email marketing campaign ended in "disaster," according to the bank's lawsuit and a filing by prosecutors. Out of 400,000 emails sent to Frank users, more than 70% bounced back and only 103 were opened, the bank claimed.

☆ Some of Florida's cities don't want spring breakers. With the state's economy booming, many don't need them.
▼ + stars: | 2023-04-01 | by ( Jacob Zinkula | ) www.businessinsider.com time to read: +9 min

Miami Beach's mayor recently said officials "don't want spring break in our city." Spring break is among the reasons the state generates billions of dollars in tax revenue per year from tourism. But there are signs that booming population growth, which Florida's Office of Economic and Demographic Research has described as the state's "primary engine of economic growth," could help diversify the state's economy. The number of arrests in the city during spring break more than doubled in 1986 from the same period in 1985. While thousands of college students still frequent Fort Lauderdale during spring break, the city's current mayor, Dean Trantalis, described them as "very well behaved."

☆ When Every Win Means Water, Water Everywhere
▼ + stars: | 2023-03-31 | by ( Andrew Keh | ) www.nytimes.com time to read: +8 min

When Every Win Means Water EverywherePicture yourself at work. Teleport this scene into a sports locker room, though, and suddenly the dousing is perfectly in bounds. But like many coaches, he eventually accepted his fate, removing his shoes before entering the locker room. The athletes were unwinding in the locker room when Coach Mark Few and his assistants charged in and began sousing them with ice-cold water. Isaiah Wong, the team’s star shooting guard, said they would only consider spraying water now if they won the championship.

☆ How a 23-year-old earned about $35,000 in 3 months teaching ChatGPT to newbies
▼ + stars: | 2023-03-30 | by ( Aaron Mok | ) www.businessinsider.com time to read: +6 min

Lance Junck, 23, earned $35,000 in just three months selling his ChatGPT course on Udemy. In late December, Lance Junck, 23, launched an online course on education platform Udemy that teaches people to use ChatGPT. It starts with how to write your first ChatGPT prompt, then moves into specific ChatGPT applications for businesses, students, and programmers. Within a week, 90 students enrolled in the course, Junck said. He has gotten paid speaking opportunities to teach companies like CEO advisory firm Sage Executive Group and tech news site HPCwire how to use ChatGPT, according to emails reviewed by Insider.

☆ Why Florence has a complicated relationship with the over 15,000 American college students who come every year
▼ + stars: | 2023-03-29 | by ( Bianca Giacobone | ) www.businessinsider.com time to read: +5 min

Over 15,000 US students spend some time studying in Florence, Italy every year. Over 15,000 American students flock to the city every year, according to local newspapers, with estimates of 18,000 for 2023. Back in 2016, it was estimated that American universities bring over 150 million euros to the economy of Tuscany, Florence's region, per year. And, according to plenty of social media complaints and local reports, American students could be more considerate of the city that hosts them. Once, she asked some American students to keep it down a little, and one of them told her to buy some earplugs.

☆ Banks' internship and analyst programs could be in flux, and that might spell bad news for senior dealmakers
▼ + stars: | 2023-03-27 | by ( Dan Defrancesco | ) www.businessinsider.com time to read: +6 min

But before we get started, First Citizens BancShares has agreed to buy Silicon Valley Bank, according to a statement from the FDIC. Some of the ripples from the fall of Silicon Valley Bank have felt particularly significant (Credit Suisse bankers nod ominously). Some banks had to even break a cardinal rule of Wall Street: Turn away business. Click here to read more about how college students are feeling on edge about their upcoming Wall Street jobs and internships. You don't necessarily need seven-figures in assets to call it quits, per The Wall Street Journal.

☆ The banking crisis has college students on edge about Wall Street jobs and internships. 'I just want to know what the plan is.'
▼ + stars: | 2023-03-27 | by ( Emmalyse Brownstein | ) www.businessinsider.com time to read: +6 min

That's the concern plaguing aspiring investment bankers across the country as they watch the banking crisis unfold. "I think there's definitely a sense of unease in finance," said Asif Rahman, co-founder of Wall Street career coaching company Office Hours. Over at SVB's investment banking arm, incoming first-year analysts have been told that their jobs are secure. "We've reached out to all of our incoming analysts and interns. "The incoming summer interns are worried about low return offer rates," the professor said.

College enrollment has declined over the last decade. Here are three reasons why college enrollment may have collapsed. Why learn when you can earnThe robust labor market may have also contributed to college enrollment falling. Such attacks on colleges over the years might have caused Republicans to question the skill benefits of a college education. Did you get a job without a college degree?

☆ Students Struggle Academically, Fight in Schools Amid Adderall Shortage
▼ + stars: | 2023-03-24 | by ( Ben Chapman | ) www.wsj.com time to read: 1 min

Students nationwide who take medications that treat attention-deficit hyperactivity disorder are struggling to behave and concentrate due to a continuing shortage of the drugs, families and school officials say. Children who haven’t had access to their medications are experiencing problems ranging from getting suspended from school to having trouble sleeping, parents in Arizona and Nevada said. In places such as Florida and New York, classroom behavior is worsening due to the shortages, according to teachers and school psychologists. College students in Michigan and California have said their academic work has been negatively affected because they have not been able to get their prescriptions filled.

☆ Miami Beach curbs alcohol sales after 'unruly' spring breakers violence
▼ + stars: | 2023-03-23 | by ( Brad Brooks | ) www.reuters.com time to read: +1 min

March 23 (Reuters) - The city of Miami Beach curtailed alcohol sales through Monday morning after drunken revelers on spring break got tangled in multiple shootings, fights, assaults and stampedes that resulted in at least two deaths in the past week. Miami Beach, a small barrier island just to the east of Miami, has long been a magnet for wild parties, as college students from around the country take advantage of an annual school vacation to descend on its white sand beaches for an alcohol-soaked rite of passage. All alcohol sales, including by liquor stores, for off-premises consumption are banned from 6 p.m. Thursday until 6 a.m. Monday under an emergency declaration by city manager Alina Hudak on Wednesday. Businesses that sell alcohol oppose the measure, saying it will severely hurt their revenues. But the Miami Beach city commission earlier this week voted 4-to-3 against a curfew, with those opposed saying it would hurt businesses during this peak tourist season.

☆ AI storytelling startup Tome records fast user growth, to launch paid tier soon
▼ + stars: | 2023-03-23 | by ( Krystal Hu | ) www.reuters.com time to read: +2 min

March 23 (Reuters) - Artificial intelligence storytelling startup Tome has seen its user numbers triple in a month to 3 million and is planning to launch a paid subscription in the coming weeks, Chief Executive Keith Peiris told Reuters, as AI products grow in popularity. Tome is also adding a document-to-presentation feature powered by GPT-4, the latest foundation model released by Microsoft-backed OpenAI. The feature enables users to turn a document of up to 25 pages into AI-generated slides with text and soon photos, competing head-to-head with Microsoft's (MSFT.O) AI "Copilot". "It's a push into work and enterprise use cases for us after all the demand we've seen," said Peiris, co-founder of Tome. Tome's product is currently free to use, while it will soon launch a paid tier that costs about $10 a month to guarantee unlimited access for users, Peiris said.

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