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☆ From ALICEs to HENRYs, here's what people on wildly different incomes discuss in therapy
▼ + stars: | 2024-10-14 | by ( Serafina Kenny | ) www.businessinsider.com time to read: +7 min

Four therapists shared what their clients on different incomes discuss in sessions. Money can be a source of stress for both those on lower incomes as well as the ultra-rich. HENRYsSome HENRYs (High Earners, Not Rich Yet) might seem wealthy to others, but still worry about having enough money, Williams said, because "it's all relative." Two HENRYs in a couple, meanwhile, might want to discuss tension in their relationship if they have different ways of thinking about shared wealth, she said. And, as people live longer, she said that some worry about not having enough money to sustain their lifestyles as they get older.

Persons: —, Anna Nathanson, Nathanson, Getty, Ashley Castro, It's, ALICEs, Tracy Williams, Williams, HIFIs HIFIs, HIFIs, Rich, Ricardo Mendoza Garbayo, Castro, Paul L, Johannes Mann, Hokemeyer Organizations: Service Locations: ALICEs, HENRYs, —, New York, Atlanta, Colorado

☆ Here's how natural disasters are shaping the buy-versus-rent decision in vulnerable states like Florida
▼ + stars: | 2024-10-13 | by ( Kelly Cloonan | ) www.businessinsider.com time to read: +6 min

Owning a home in high-climate risk states like Florida is becoming tougher amid rising costs. Experts say the next few years will be crucial for housing policy in the wake of severe climate disasters. On the one hand, buyers are facing rising costs as insurance premiums skyrocket. Still, a big advantage to owning a home is the ability to lock in housing costs. That's especially true after climate disasters, according to one study that looked at rent prices following hurricanes in US coastal states.

Persons: Hurricane Milton, homebuyers, Chen Zhao, Jung Hyun Choi, Choi, Katrina, Zhao Organizations: Service, Institute's, Finance Policy Center Locations: Florida, Hurricane, Texas, Georgia, Louisiana, it's

☆ A basic income program funded by descendants of slave owners provides $1,000 a month as a form of reparations
▼ + stars: | 2024-10-13 | by ( Katie Balevic | ) www.businessinsider.com time to read: +7 min

Buck and Gracie Close are funding a basic income program for victims of unjust policing. They view the program as a form of reparations for their family's history as slave owners. Small-scale guaranteed basic income programs have sprouted around the country in recent years, inspired in part by the success of pandemic-era cash handouts. These basic income programs offer unrestricted cash payments to specific groups of vulnerable low-income residents for a limited time period. The programs differ from a universal basic income, which would offer regular cash payments to all residents regardless of their financial status.

Persons: Buck, Gracie, —, Buck Close, they've, Maggy Baccinelli, Baccinelli, enslavers Organizations: ACLU, Service, American Civil Liberties Union of Louisiana, Confederate, Herald Locations: Louisiana, North Carolina, Washington, Fort Mills, Rock, South Carolina

☆ Earnings will drive the stock market in the week ahead. That's a good thing
▼ + stars: | 2024-10-13 | by ( Kevin Stankiewicz | ) www.cnbc.com time to read: +7 min

In Friday's look at wholesale inflation, the producer price index was unchanged month over month . We'll hear from Club holdings Morgan Stanley and Abbott Laboratories on Wednesday morning. Morgan Stanley: The ongoing recovery in investment banking will be front and center. That was a key theme in the second quarter , and the hope is that the July-to-September period showed a continuation of the trend for Morgan Stanley. Morgan Stanley has been strong lately, though.

Persons: Jim Cramer, Jim, Gamble, — Wells, industrials, Goldman Sachs, ASML, Morgan Stanley, Morgan Stanley's, Louis, Abbott, Charles Schwab, Johnson, JB Hunt, Kinder Morgan, Huntington, Jim Cramer's, Charly Triballeau Organizations: Club, Dow Jones, Nasdaq, Procter, Federal, JPMorgan, —, Tech, . Utilities, UnitedHealth, Taiwan Semiconductor Manufacturing, Abbott Laboratories, Abbott Labs, NEC, Abbott, Food and Drug Administration, Walgreens Boots Alliance, Citigroup, Bank of America, United Airlines, Interactive, US Bancorp, Citizens, Alcoa, PPG Industries, CSX, Truist, Netflix, Crown Holdings, American Express, Gamble, CNBC, New York Stock Exchange, Financial, Afp, Getty Locations: Wells, U.S, Wells Fargo, St, Taiwan, New York City

☆ A 33-year-old self-made millionaire shares the 2-part 'financial freedom road map' that helped him build wealth
▼ + stars: | 2024-10-12 | by ( Kathleen Elkins | ) www.businessinsider.com time to read: +8 min

Erik Smolinski shares the 'road map' he used to build wealth and achieve financial independence. He also provides steps anyone can take to build wealth, starting with opening a brokerage account. Part 1: Understand 3 'wealth levers'According to Smolinski, there are three "wealth levers" that you have to use in order to build wealth. Next, link your bank account to your brokerage account and initiate your first transfer. Over time, you'll learn to live without the chunk of money you're setting aside for your future.

Persons: Erik Smolinski, —, Smolinski, that's, you've, I'm Organizations: Service, Marine Corps

☆ 3 money moves you can make today to feel wealthy, according to CFPs
▼ + stars: | 2024-10-11 | by ( Judy Lagrou | In Judylagrou | ) www.cnbc.com time to read: +3 min

Luckily, feeling wealthy is less about the money in your bank account and more about your attitude toward the money you already have. In short, your ability to feel wealthy depends on "what your experiences and perceptions on money are." This involves letting go of a well-known number like $1 million and embracing your personal financial journey, she says. Goals such as establishing an emergency fund or improving your credit score, when reached, can help you feel wealthy without having to build a huge net worth. In other words, you don't need $1 million in hand today to feel wealthy — just a plan to grow your money over time.

Persons: Paul Morrone, —, Rachel Elson, Elson, Morrone, There's Organizations: Northwestern Mutual Locations: North Haven , Connecticut, San Francisco , California

A credit score under these thresholds is also called a sub-prime credit score, which means that creditors might think twice when reviewing your application for a credit line. However, a combination of serious negative marks on your credit score may seriously hurt your credit score, putting you on the lower end of the score range. Minimal credit history: A minimal credit history means you haven't been using credit (like a credit card or loan) for much time. While one credit check on your credit report may dent your credit score by a few points, several of these in a short period of time will significantly hurt your credit score. While one credit check on your credit report may dent your credit score by a few points, several of these in a short period of time will significantly hurt your credit score.

Persons: VantageScore, aren't, you'll, Enoch Omololu, Erik Beguin, Kendall Meade, Jennifer, Read Organizations: New Canadians, Austin Capital Bank, Business, Yahoo, Finance, CBS, MSNBC, CNBC, Forbes, Black Enterprise, USA, The Johns Hopkins University Carey School of Business, Business Journalists Locations: annualcreditreport.com, America, TheGrio, New York City

☆ Wealthy millennials and Gen Z are redefining philanthropy
▼ + stars: | 2024-10-10 | by ( Robert Frank | ) www.cnbc.com time to read: +3 min

Wealthy millennials and Gen Zers are redefining the world of charitable giving, seeing themselves more as activists than donors, according to a new study. Older donors give from of a sense of responsibility. Those over the age of 44 were more than twice as likely to give due to "obligation" than younger donors. Those under 43 were more likely to cite self-education and the influence of their social circle as drivers of their philanthropy. The younger wealthy are still building their fortunes and inheriting their wealth, so they're more likely to give their time and help fundraise.

Persons: Robert Frank, millennials, Zers, Gen Xers, Dianne Chipps Bailey, fundraise, Bailey, They're Organizations: Bank of America Private Bank

☆ The top 3 skills you need if you want to land a job in a family office, according to industry recruiters
▼ + stars: | 2024-10-07 | by ( Lian Kit Wee | ) www.businessinsider.com time to read: +7 min

Family office employees, in turn, can be paid on par with, or even better than, banking, private equity, and other top finance jobs. AdvertisementBillionaires like Ray Dalio, the founder of Bridgewater Associates, and Google co-founder Sergey Brin have established family offices in the city-state. Family office staff need to learn on the fly — even about racehorses. Managing multiple family membersIn family offices, technical brilliance alone isn't enough to secure a role. Westall shared a story of a family office executive who started as a cleaner while he was in film school.

Persons: —, Ray Dalio, Sergey Brin, Mukesh Ambani, Jack, Paul Westall, Goldman Sachs, Westall, Jimmy Soh, Soh, Pierre Pineau, that's, Pineau, Mike Campbell, there's, who's Organizations: Service, Bridgewater Associates, Google, Business, Agreus, Goldman, AP, Ivy League, Mandoga Locations: Singapore, Hong Kong, Asia, Europe

☆ What these homebuyers and owners told us an interest rate cut means to them
▼ + stars: | 2024-10-07 | by ( Samantha Delouya | ) edition.cnn.com time to read: +6 min

Last month, the Federal Reserve cut its benchmark interest rate by half a percentage point and signaled that more cuts are coming. He hopes interest rate cuts will increase his buying power. Mortgage rates have steadily fallen in anticipation of further interest rate cuts from the Federal Reserve. Mortgage rates have steadily fallen in anticipation of further interest rate cuts from the Fed, with the average 30-year fixed mortgage rate dropping to 6.12% in the week ended October 3, according to Freddie Mac. “Even a decent interest rate today far exceeds what we’ve been planning and budgeting on since we bought this home,” said Tony, who said his interest rate was 3.75%.

Persons: Robert Galvez, ”, Galvez, “, ” Galvez, Kamala Harris ’, homebuyers, Brandon Bell, Tony, Freddie Mac, it’s, Safiya Reid, Nico Williams, Reid, Nico Williams “ I’m, ” Reid, she’s Organizations: CNN, Federal Reserve, National Association of Realtors, Federal Housing Administration, NACA Locations: New Hampshire, Atlanta, Okinawa, Japan

☆ I worked as a wealth advisor for Goldman Sachs. Here's what I learned from how the super rich manage their money.
▼ + stars: | 2024-10-06 | by ( Ella Hopkins | ) www.businessinsider.com time to read: +8 min

Ayesha Ofori worked in wealth management for Goldman Sachs for six years. AdvertisementThis as-told-to essay is based on a transcribed conversation with 40-year-old Ayesha Ofori, CEO of Propelle, from London, about her experience working at Goldman Sachs. If you'd asked me what success looked like at the time, it would've been being a partner at Goldman Sachs. AdvertisementSaving money isn't enoughWhen I was at Goldman Sachs, I noticed we didn't have many women clients. When I worked at Goldman Sachs, I was focused on paying off my student loans and saving money.

Persons: Ayesha Ofori, Goldman Sachs, Ofori, —, Goldman, I'd, you'd, would've, I'm, It's, I've, you'll Organizations: Service, Goldman Sachs, Business, Columbia Business School, Goldman, Invest Locations: London, New York

Housing is one of many issues Vance, the Republican nominee, believes are rooted in the arrival of undocumented migrants in America. But many economists caution that connecting rising numbers of immigrants to housing costs is no simple thing. Other economists have noted links between immigrants and increased housing costs. Vance later shared two studies on housing and immigration that showed a link between increased immigration and rising housing costs — though each offered various caveats, including noting that the impact changes over time. Indeed, Zillow data shows a clear upward trend in Springfield rents this year compared with 2023.

Persons: America’s, Sen, JD Vance, Tim Walz, Vance, you’ve, ” Vance, Donald Trump, Walz, ”, ” Walz, Kamala Harris, Ernie Tedeschi, Joe Biden, Vance’s, Michelle Bowman, Chris Herbert, Herbert, Sharon Cornelissen, Bryan Heck, Democratic Sen, Sherrod Brown, Heck, ” Heck Organizations: Minnesota Gov, Republican, CBS, Democratic, NBC, White House, Federal, Cato Institute, Harvard University’s, for Housing Studies, Consumer Federation of America, NBC Boston Locations: Ohio, America, Springfield , Ohio, U.S, New York City, Los Angeles, Dearborn, Hamtramck, Detroit, Brockton , Massachusetts, Haiti, Cape Verde, Central, South America, Springfield, Washington

But investing in the stock market should be boring rather than exciting. While some hands-on traders approach betting on the stock market similarly to betting money on sports, the truth is they should have very little in common. Compared to sports betting, investing in the stock market should be "non-adrenaline focused," Egan said. While an explosion of confetti might make trading stocks more entertaining, investing in the stock market should be boring. Historically, the average stock market return is about 10% each year.

Persons: —, Dan Egan, Egan, Robinhood, doesn't, you'll, Ally Invest Organizations: Sports, Service, University of California, University of Southern, SoFi, Ally Locations: Massachusetts, Los Angeles, University of Southern California

While there's no universal minimum credit score to rent an apartment, landlords generally prefer applicants with a good credit score, which is at least 670. How to improve your credit score for rentingIf your credit score isn't stellar right now, don't worry. The average credit score of a Gen Z consumer is 680 compared to the average baby boomer's credit score of 745. Credit builder loans and rent reporting companies can help you add credit history to your credit report. Frequently asked questions about apartment credit score requirementsCan you rent an apartment if you do not have credit?

Persons: —, TransUnion, Kendall Meade, Jay Zigmont, Jennifer, Read Organizations: Fair, Childfree, Business, Yahoo, Finance, CBS, MSNBC, CNBC, Forbes, Black Enterprise, USA, The Johns Hopkins University Carey School of Business, Business Journalists Locations: AnnualCreditReport.com, SoFi, Chevron, America, TheGrio, New York City

☆ 'Your Rich BFF' finance creator has struck a new deal with Vox Media as the influencer podcasting space heats up
▼ + stars: | 2024-10-03 | by ( Shriya Bhattacharya | ) www.businessinsider.com time to read: +5 min

Finance creator Vivian Tu's podcast has a new home at Vox Media and wellness brand PS. Vox Media and Tu share why the partnership made sense and what helped seal the deal. Now, 30-year-old Tu is partnering with Vox Media and the newly rebranded wellness brand PS, formerly known as PopSugar, to launch a second season of the podcast. Vox Media was one of many suitors vying for the chance to collaborate with Tu, but they won because of an aligned vision and handing over creative control. AdvertisementAccording to Xu, Vox Media and Tu will work very closely together on the podcast's sales, marketing, and distribution, such as posting teasers of new episodes across Your Rich BFF and PS' social media accounts.

Persons: Vivian Tu's, —, Vivian Tu, Morgan, Tu, Ryan Serhant, Cassey Ho, Ankur Jain, I'm, Alix Earle, Jake Shane, It's, Gen Zers, millennials, they're, Vivian, there's, Lillian Xu, Vox, Xu, Rich BFF, you've Organizations: Vox Media, Service, YouTube, Business, Spotify

☆ A prominent finance creator has struck a new deal with Vox Media as influencer podcasting heats up
▼ + stars: | 2024-10-02 | by ( Shriya Bhattacharya | ) www.businessinsider.com time to read: +5 min

☆ What a resurgence in Wall Street dealmaking means for Morgan Stanley and Wells Fargo
▼ + stars: | 2024-10-02 | by ( Morgan Chittum | ) www.cnbc.com time to read: +8 min

Great news for Club stocks Wells Fargo and Morgan Stanley : The rebound in investment banking isn't over yet. We'll find out to what extent when Wells Fargo reports earnings on Oct. 11 and Morgan Stanley delivers quarterly results on Oct. 16. MS YTD mountain Morgan Stanley (MS) year-to-date performance For Morgan Stanley, a resurgence in its investment banking division is crucial to our investment thesis and why we stuck with it. WFC YTD mountain Wells Fargo (WFC) year-to-date Morgan Stanley's IB business is much larger than Wells Fargo's. Wells Fargo, which has a strong wealth management franchise, is branching out to take a slice of the IB pie.

Persons: Morgan Stanley, We'll, Wells, Jerome Powell, Powell, Rebecca Brokmeier, Brokmeier, Morgan, Jim Cramer, Goldman Sachs, underperformance, Dan Simkowitz, Jim, We've, Charlie Scharf, Jim Cramer's, William McChesney Martin Jr, Anna Moneymaker Organizations: Club, Wells, Federal Reserve, Wall, P Global Market Intelligence, KPMG, Global, Fed, National Association for Business, CNBC, Morgan Stanley's IB, IB, Bloomberg News, Federal, Getty Locations: U.S, Nashville , Tennessee, Wells, Wells Fargo, Washington , DC

☆ Billionaire investor Ray Dalio has a solution for China, but it'll need Beijing to radically remake its own rules
▼ + stars: | 2024-10-02 | by ( Matthew Loh | ) www.businessinsider.com time to read: +6 min

Ray Dalio is again promoting the idea that China urgently needs to start a "beautiful deleveraging." In a LinkedIn post on Tuesday, Dalio wrote of what he called a "beautiful deleveraging," or an aggressive, two-pronged approach to solving debt issues. Dalio wrote that Chinese leader Xi Jinping's unprecedented stimulus sparked a "big week" for economic optimism, but it won't be enough. The interest rate cuts would ideally be so drastic that they run below inflation and nominal growth rates, Dalio wrote. If Beijing doesn't start a "beautiful deleveraging," he said, it risks allowing its crisis to drag on and create an "economic and psychological malaise like Japan experienced."

Persons: Ray Dalio, Dalio, —, Xi, They'll Organizations: Service, Bridgewater Associates, Washington Locations: China, Beijing, Japan, US

And bitcoin IRAs overall may not be the best way to get exposure to digital assets into your retirement portfolio, he adds. Read on for more on the pros and cons of bitcoin IRAs, and which investors they may make sense for. Self-directed bitcoin IRAs offer many of the same tax benefits as regular IRAs, like tax-deferred growth in traditional IRAs and tax-free withdrawals from Roth IRAs. Supports IRA rollovers, traditional IRAs, Roth IRAs, SEP IRAs, and 401(k)sCheck mark icon A check mark. Supports IRA rollovers, traditional IRAs, Roth IRAs, SEP IRAs, and 401(k)sCheck mark icon A check mark.

Persons: Bitcoin, Rollovers, Roth, bitcoin IRAs, Chris Chen, Read, Chen, Roth IRAs, they've, bitcoin, it's, Bitcoin IRAs Organizations: BitcoinIRA, Insight Financial, IRA, Better, Pew Research, SEC, CFTC Locations: cryptocurrency, U.S, bitcoin

Similarly, Latino voters’ preference for which party controls Congress stands at 54% Democrats, 42% Republicans — a much narrower gap than in past years. Surveying 1,000 Latino voters nationwide in English and Spanish, the poll also finds a striking split on immigration between Latino voters who prioritize a pathway to citizenship for undocumented immigrants and preventing discrimination, and those who focus more on border enforcement. Sixty-two percent of Latino voters believe immigration helps more than it hurts, versus 35% who think it hurts more than it helps. In this poll, 54% of Latino voters prefer a Democratic-controlled Congress, versus 42% who want Republicans in charge. The NBC News/Telemundo/CNBC Latino poll of 1,000 registered Latino voters was conducted Sept. 16-23.

Persons: Kamala Harris, Donald Trump, Harris, Trump, Joe Biden’s, ”, Democratic pollster Aileen Cardona, Arroyo, Republican pollster Micah Roberts, ” Trump, Victor Gutierrez, Gutierrez, Michelle García, Matthew Delao, Fredy Arguello, Delao, Arguello, ” Arguello, Harris ’, Biden, García Organizations: ’, NBC News, Telemundo, CNBC, Democratic, Trump, NBC, Republicans —, “, Hart Research Associates, Republican, Democratic Party —, Young, Catholic Locations: New Jersey, Puerto Rican, Peruvian, Maryland, California, United States, Mexico, Puerto Rico, Spain, Cuba, Dominican Republic

☆ I left Goldman Sachs to plan weddings for the ultra-rich. I do 4 key things to keep my clients — and their families — happy.
▼ + stars: | 2024-09-27 | by ( Lian Kit Wee | ) www.businessinsider.com time to read: +6 min

Lelian Chew is the founder of The Atelier & Co, a Singapore-based luxury wedding planning company. I spent a decade at Goldman Sachs, working in Singapore and Hong Kong managing key relationships by flying to a different Chinese city each day. English wasn't his first language, so he misunderstood and thought I was starting a wedding planning business. He immediately asked me to help plan his son's wedding, insisting I take a look since I knew the family well. Many of our elder clients want to see their grandchildren uphold customs they cherish, like family crests and cultural elements.

Persons: Chew, Chew doesn't, —, Lelian Chew, Goldman Sachs, I, Lelian, it's Organizations: Service Locations: Singapore, Hong Kong, Indonesia, Maldives

☆ Universal basic income pros and cons —according to experts
▼ + stars: | 2024-09-26 | by ( Allie Kelly | ) www.businessinsider.com time to read: +13 min

BI broke down the pros, cons, and frequently asked questions about basic income. Universal basic income and guaranteed basic income could fill gaps in the existing US social safety net, experts said. A benefit of basic income is the element of choice, according to Shafeka Hashash, associate director of guaranteed income at the Economic Security Project. Private donors often fully or partially fund basic income programs, lessening the cost burden on local governments. US states with active basic income programs include California, Illinois, Colorado, New York, Georgia, Louisiana, and more.

Persons: —, Melvin Carter, Paul, Shafeka Hashash, Hashash, It's, John Gillette, Oscar Wong, UBI, Andrew Yang, Howlette, hasn't, Michael Tubbs, Allan Baxter, What's, Sam Altman, Elon Musk Organizations: Service, Business, St, SDI, SNAP, Economic Security, Arizona, Rep, American, Orleans Mayor's, Youth, University of British Columbia, Alaska Permanent Fund, Tech Locations: Valley, America, Los Angeles and Illinois, Texas, Missouri, Arizona , Iowa, South Dakota, Orleans, Denver, Atlanta, Alaska, California , Illinois, Colorado , New York , Georgia, Louisiana, Canada, Brazil, China, Germany, India, Iran, Ireland, California, New Mexico, Oregon

The speech will tie together various themes of the Harris campaign, including her own biography and how it defines her economic vision. Harris plans to describe her economic vision as “pragmatic” and not “bound by ideology,” the official said. Not those who mop the floors,” Harris plans to say. “I’m going to be giving a speech this week that is really to outline my vision for the economy,” Harris told reporters Sunday. “According to our recent polling, Black voters’ economic priorities include reducing costs and increasing wealth.

Persons: Kamala Harris, Donald Trump’s, Harris, ”, Trump, Donald Trump, ” Harris, Joe Biden, It’s, “ I’m, you’ve, I’ve, “, ” Terrance Woodbury Organizations: PITTSBURGH, Democratic, NBC News, NBC, Biden, HIT, Black Locations: Pennsylvania, Michigan, Wisconsin, Nevada, Pittsburgh

☆ Only 33% of millionaires consider themselves wealthy, report finds. Why it's so hard to feel rich
▼ + stars: | 2024-09-23 | by ( Jessica Dickler | ) www.cnbc.com time to read: +2 min

More borrowers are carrying debt from month to month and a growing number are falling behind on their monthly credit card payments. Over the last year, roughly 9.1% of credit card balances transitioned into delinquency, the New York Fed reported for the second quarter of 2024. Nearly half, 44%, of Americans said credit card debt is the biggest threat to their ability to build wealth, according to Edelman Financial Engines. "High-interest rate credit card debt, more than other sorts of debt, is a savings killer, because when you have it, you have to feed the beast. Among millionaires, 68% said they would need at least $3 million and 40% said feeling wealthy would require $5 million of more.

Persons: Chatzky, — Organizations: Bureau of Labor Statistics, New York Fed, Edelman

☆ Inside the island fortress of America's mega-billionaires
▼ + stars: | 2024-09-22 | by ( Guthrie Scrimgeour | ) www.businessinsider.com time to read: +21 min

An Israeli-designed radar system encircling the island can detect passersby, in low visibility, from half a mile away. Often described as "butlers with badges," the Indian Creek police force is unlike most of its counterparts. The Indian Creek radar can detect objects on the water and use artificial intelligence to classify them according to the risk they pose. With the new security system, the Indian Creek police appear to have turbocharged their enforcement of regulations in the surrounding waters. Properties in the neighborhood are also being bought up by opaquely named LLCs tied to Indian Creek residents.

Persons: —, I've, I'm, — they're, Norman Braman's, Tom Brady, Carl Icahn, Jeff Bezos, we've, Tiffany, William Henry Hoover, Frank Woolworth, Saratta, Gerardo Vildostegui, Vildostegui, it's, Irma Braman, Bernard Klepach —, Mike Bullman, Chandan Khanna, Justin Ross, who's, Ross, Gail Golden, Javier Holtz, Marko Gojanovic, Gojanovic, he's, Dina Goldentayer, Don Shula, opaquely, LLCs, Julio Iglesias, Surfside, Tim Will, Will, America's, Elon Musk, you'd, there's, Brian Daniel, Low, John Bernardo, Klepach, Guthrie Organizations: Public Space Research, City University of New, Indian, Jewish, Indian Creek Country, Security Solutions, Police, Getty, Biscayne, Indian Creek Police, Marquis Bank, Miami Dolphins, BI, CUNY Locations: Indian, Biscayne Bay, America, Miami, Qatar, Israeli, City University of New York, Florida, Surfside, Surfside's, York City, United Kingdom, Japan, Germany, India, stoke, Washington , DC

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