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☆ WSA, A Manhattan Office Tower Becomes an Unlikely ‘It’ Building
▼ + stars: | 2024-11-29 | by ( Jessica Iredale | ) www.nytimes.com time to read: +1 min

Deep in the canyons of New York’s financial district, there is an office tower that matches the cultural moment, for better and for worse. Known as the WSA building (short for Water Street Associates), the 31-story structure, at 175 Water Street, has become a nexus for the kind of people who might not otherwise set foot in this neighborhood of bankers and brokers. Built in 1983, the tower was the longtime global headquarters of the insurance giant A.I.G. sold the building for about $270 million in 2019, it sat all but empty during much of the pandemic, when scores of companies, including A.I.G., left the financial district. In late 2022, an LLC under the name 99c bought the building for $252 million and announced a bold plan to “reinvent” the property.

Organizations: WSA, Water Street Associates Locations: New York City

☆ This greenhouse keeps crops cool. It could prove valuable as our planet bakes
▼ + stars: | 2024-11-28 | by ( Tom Page | ) edition.cnn.com time to read: +8 min

CNN —In a world where the climate is increasingly hot and volatile, farmers are having trouble keeping their crops cool. A startup founded in the desert of Saudi Arabia thinks it might have a solution. Heat peaks can desiccate crops, killing them outright if unmitigated, or stressing crops, leaving them more vulnerable to pests and disease. A prototype farm in Bada, Saudi Arabia, uses SecondSky in polyethylene greenhouse covers manufactured by SABIC. Desertification is a pressing issue and will be the focus of the UN Convention to Combat Desertification’s COP16 in Riyadh, Saudi Arabia, in December, as leaders seek to curtail an accelerating problem.

Persons: Derya Baran, John Keppler, ”, Mark Tester, Ryan Lefers, Iyris, Keppler, Armando Alvarez, Vincent Martin, SecondSky, Martin Organizations: CNN, King Abdullah University of Science and Technology, United Arab, Innovation, UN Food and Agriculture Organization, National Food Production Initiative, Sea, SABIC, Sea Global, UN Convention, United Nations Locations: Saudi Arabia, Iyris, KAUST, Egypt, United Arab Emirates, Latin America, Mexico, Europe, South Africa, Morocco, Spain, Bada, Bada , Saudi Arabia, Riyadh

☆ Who gets weight loss drugs covered by insurance? In North Carolina, being on Medicaid helps
▼ + stars: | 2024-11-28 | by ( Melba Newsome | Kff Health News | ) www.nbcnews.com time to read: +7 min

“This exceeds the amount the State Health Plan spends on cancer, rheumatoid arthritis, and chemotherapy medications,” the State Health Plan said in a March statement. The health plan’s board of trustees eliminated coverage of this class of medications for weight loss starting in April. “They know diets don’t work long-term for weight loss, yet they are denying coverage for a medication that has been effective,” Blanchard said. But patients typically need to stay on the medications to maintain their weight loss, meaning they face long-term costs. Besides making the medication more affordable, he said, it should encourage the use of weight loss drugs and treatment of obesity as a chronic disease instead of stigmatizing it as a moral failing.

Persons: Anita Blanchard, Charlotte, —, Blanchard, ”, “, Biden, ” Blanchard, Donald Trump, Ozempic, Nishant Shah, Kody Kinsley, doesn’t, ” Kinsley, Kinsley, “ We’re, Duke’s Shah, ” Shah, Melissa Jones, ‘, ’ ” Jones, Blanchard can’t Organizations: University of North, North Carolina, Health, State Health, West Virginia, Medicare, Services, Duke University, North Carolina Department of Health, Human Services, University of Chicago Locations: University of North Carolina, North Carolina, North, West, Connecticut, Carolina, U.S

☆ When to quit working, take Social Security, and focus on yourself: Older Americans share their regrets about navigating retirement.
▼ + stars: | 2024-11-28 | by ( Noah Sheidlower | ) www.businessinsider.com time to read: +10 min

Many had regrets about retiring too early, taking Social Security prematurely, and draining savings. Regrets included retiring too early, taking Social Security benefits prematurely, and draining retirement savings too quickly. Kathleen RuddAt 62, she retired from a job paying almost $60,000 a year and opted to take Social Security early. Cashing out Social Security too fastSharon, 77, took Social Security too early, prompting her to unretire to cover expenses. Advertisement"If only someone had just said, do not take Social Security early, do not invest your money this way," Sharon said.

Persons: boomer, they've, Kathleen Rudd, Rudd, wasn't, David John, John, Misty Miller, Miller, it's, Sharon, Cindy Kohli, Kohli, reprioritize Organizations: Social, Social Security, AARP, Security, Social Security Disability Insurance, Veterans Affairs Locations: Colorado, Sacramento, Atlanta, Arizona

☆ I was an overworked teacher in the US, so I moved to Portugal. I couldn't be happier with my decision.
▼ + stars: | 2024-11-28 | by ( ) www.businessinsider.com time to read: +7 min

I sold everything, moved to Portugal, started my own business, and am living my best life. This is what I would dream of on stressful, busy days as a teacher in the US. I've also discovered a new-found love of Portuguese wine. Looking back on my journey, I am incredibly thankful for my decision to take this leap of faith and move years ago. This environment allows me to truly live my best life, appreciate the little things, and find joy every day.

Persons: I'm, Gabby Giffords, Jeana Whitaker, I've, haven't Organizations: Theatre, Portuguese Locations: Portugal, Lagos, Arizona, Europe, Port, Douro, stoplights

Learn moreThe NordVPN Black Friday deals have landed, and there are huge savings opportunities for one and two-year-long plans. We've outlined some of the best NordVPN deals below, all of which will get you three extra months of service. All NordVPN plans come with a 30-day money-back guarantee and additional features for each tier. If you're interested in exploring even more sales, check out our guide to the best Black Friday deals. NordVPN Black Friday dealsNordVPN 27-month plan $96.93 $312.93 Save 69% NordVPN is one of the top VPN services in the business.

Persons: We've, NordVPN Organizations: Business, Turkey

☆ Renters struggle to build wealth, report finds. Here's how they can boost financial well-being
▼ + stars: | 2024-11-27 | by ( Ana Teresa Solá | Ana Teresa Solá Is A Personal Finance Reporter For Cnbc. | ) www.nbcnews.com time to read: +5 min

But while renters face unique affordability challenges, there are still steps they can take to improve their financial standing. Renters generally face financial challenges such as lower income, higher debt, less savings and lower rates of asset ownership, the report noted. Across income levels, renters are less likely than homeowners to own assets including cars, retirement accounts and securities, among others, the report found. Here are some of the financial challenges renter households in three sample income brackets face, according to the Aspen Institute, and ways they can build wealth. A hypothetical family in this category “first needs financial stability to meet the precondition for wealth building,” the Aspen report said.

Persons: That’s, Janneke Ratcliffe, ”, Ratcliffe, Clifford Cornell, “, ” Cornell, Shaun Williams, ” Williams, Williams, you’re Organizations: Aspen Institute, Urban Institute, Aspen, Paragon Capital Management, Cornell, “ Locations: U.S, Washington ,, New York City, Denver

☆ Early retirement comes as a surprise for many workers, study finds. Here's how to manage that financial shock
▼ + stars: | 2024-11-27 | by ( Lorie Konish | ) www.cnbc.com time to read: +2 min

If those new retirees take Social Security benefits before their full retirement age — which is 66 to 67, depending on date of birth — they take permanently reduced benefits. The median age for claiming Social Security benefits is 64, according to EBRI. They may lose five years of income, assuming they intended to retire at their full retirement age of 67, Collinson said. They may also lose potential employer-sponsored retirement benefits and additional credits towards their Social Security work history. Reset financial goals after an early retirementPeople who are forced into early retirement may not have a lot of financial flexibility.

Persons: Catherine Collinson, Collinson, They're, Ted Jenkin, Jenkin Organizations: Transamerica Institute, Transamerica Center, Retirement Studies, Social, Social Security, CNBC FA Council Locations: Atlanta

☆ Miami, New York, San Jose: The top 10 big U.S. cities where residents spend the most on monthly bills
▼ + stars: | 2024-11-27 | by ( Celia Fernandez | ) www.cnbc.com time to read: +1 min

This week, bill pay service doxo released The Bill Pay Economy™ 2024. In the report, shared exclusively with CNBC Make It, doxoINSIGHTS found that Americans spend close to $3.35 trillion per year on the ten most common household bills. Using data sourced from bill pay activity on the doxo platform, and rent and mortgage numbers from the U.S. Census, they analyzed costs across the 50 largest cities in the country to rank the most — and least — expensive. "The biggest indicator of an expensive place to live is housing," Powell says. "People spend the most on where they live, whether that's mortgage or rent."

Persons: doxo, doxoINSIGHTS, Liz Powell, Powell Organizations: CNBC, Census, Utilities, Cable, Mobile, West Coast Locations: U.S, West, West Coast ., California

But investors see Bessent as a smart pick for Treasury secretary, and this sentiment sent bond yields — and therefore mortgage rates — lower. But mortgage rates are still elevated compared to where they've been in the last few months. See more mortgage rates on Zillow Real Estate on ZillowMortgage CalculatorUse our free mortgage calculator to see how today's mortgage rates will affect your monthly and long-term payments. 5-Year Mortgage Rate TrendsHere's how 30-year and 15-year mortgage rates have trended over the last five years, according to Freddie Mac data. Mortgage rates are still elevated, but over time they should ease as the Fed lowers rates.

Persons: Scott Bessent, they've, Donald Trump's, Freddie Mac Organizations: Treasury, Mortgage Research Center, Mortgage, Zillow, ARM, Federal Housing Administration, Department of Veterans Affairs, Fed Locations: Chevron

An Arizona man said he climbed out of a moving roller coaster after his safety bar unlatched on Sunday, and the dizzying escape was caught on camera. The man, who said he was celebrating his niece’s birthday at Castles N’ Coasters in Phoenix, told NBC affiliate KPNX he was riding Desert Storm, a double-looping roller coaster, when his lap bar unlatched just seconds after the ride began. He asked to remain unidentified, but shared cell phone video of the coaster calamity with KPNX. "We start the climb, and you hear the click of the chain of the normal roller coaster," the man told the Phoenix outlet. He recalled hearing the lap bar click into place before the ride took off, but said the operator never physically checked to make sure it was latched properly.

Persons: KPNX Organizations: NBC, KPNX, U.S . Consumer Product Safety Commission Locations: Arizona, Phoenix

☆ Biden proposes requiring Medicare, Medicaid to cover weight loss drugs
▼ + stars: | 2024-11-26 | by ( Evan Bush | Evan Bush Is A Science Reporter For Nbc News. | ) www.nbcnews.com time to read: +3 min

The Biden administration plans to require Medicare and Medicaid to offer coverage of weight loss medications for patients seeking to treat obesity. Today, a month's supply of weight loss drugs can cost $1,000 or more, according to estimates from a White House official. About 72 million Americans were enrolled in Medicaid as of July, according to the Centers for Medicare & Medicaid Services. Research suggests there are significant disparities in who receives weight loss drugs. Weight loss drugs like Wegovy are injectable medications of semaglutide.

Persons: Dr, Laure DeMattia Organizations: Biden, White, Centers for Disease Control, White House, Centers, Medicare, Medicaid Services, Kaiser Family Foundation . Research, NBC News, Health Affairs Locations: Norman , Oklahoma, U.S

☆ I had a baby a month before turning 50. I'll be nearly 70 when he graduates high school, but we live in the moment.
▼ + stars: | 2024-11-26 | by ( Jane Ridley | ) www.businessinsider.com time to read: +4 min

Our son, Huck, was born healthy. AdvertisementSpeace, 56, with her son, Huck, 6. Courtesy of Jamey WoodI was tired, but I don't think I got more tired than younger moms did. It's helped me deal with the reality that I'll be almost 70 when Huck graduates high school. I'll put my son back in his bed and he'll say, "Mommy, you're all wet."

Persons: Amy Speace, Jamey, Huck, Jamey Wood, It's, I'd, I've Organizations: Business Locations: Nashville

Learn moreVPN deals often come with some of the most competitive Black Friday sales each year, and the 2024 ExpressVPN Black Friday deals are no exception. Subscribers can get a one-year plan for $99.95 or a two-year plan for $149.70. This ExpressVPN deal will be available until December 6, but ExpressVPN isn't the only service offering impressive Black Friday savings opportunities. ExpressVPN Black Friday dealsExpressVPN One Year Plan (w/ 4 Extra Months Free) $99.95 $207.20 Save 52% ExpressVPN's one-year plan offers major discounts plus an extra four months free. View at ExpressVPNExpressVPN Two Year Plan (w/ 6 Extra Months Free) $149.70 $388.50 Save 61% ExpressVPN's two-year plan offers even more savings than its one-year counterpart, including six months free.

Persons: ExpressVPN, There's, VPNs, You'll Organizations: Business, Theft Insurance

☆ Medicare, Medicaid: 7.4 million Americans could gain coverage for anti-obesity drugs under Biden proposal
▼ + stars: | 2024-11-26 | by ( Tami Luhby | ) edition.cnn.com time to read: +4 min

CNN —Millions more senior citizens and lower-income Americans could obtain coverage for costly anti-obesity drugs under a proposal being unveiled Tuesday by the Biden administration. Some Medicare enrollees could see their out-of-pocket costs drop by as much as 95%. The incoming Trump administration may not view expanding coverage of anti-obesity drugs as favorably. About 3.6 million Medicare enrollees with cardiovascular disease could be newly eligible for Wegovy, according to a KFF analysis released in April. Not all job-based health insurance plans cover anti-obesity medications, though larger employers are more likely to offer the benefit.

Persons: Biden, It’s, Joe Biden, Trump, Robert F, Kennedy Jr, Donald Trump, Dr, Mehmet Oz, don’t Organizations: CNN, Medicare, Department of Health, Human Services, RFK Jr, Fox, Services, Trump, Medicare enrollees, Food and Drug Administration, Congressional, Survey Locations: That’s, KFF

☆ Biden proposes Medicare and Medicaid cover costly weight-loss drugs for millions of obese Americans
▼ + stars: | 2024-11-26 | by ( ) www.cnbc.com time to read: +4 min

Millions of Americans with obesity would be eligible to have popular weight-loss drugs like Wegovy or Ozempic covered by Medicare or Medicaid under a new rule the Biden administration proposed Tuesday morning. Some people may already get coverage of the drugs through Medicare or Medicaid if they have diabetes or are at risk for stroke or heart disease. Becerra estimated that an additional 3.5 million people on Medicare and 4 million on Medicaid could qualify for coverage of the drugs. But research suggests far more people might qualify, with the Centers for Medicare and Medicaid Services estimating roughly 28 million people on Medicaid are considered obese. In speeches and on social media, he's said the U.S. should not cover the drugs through Medicaid or Medicare.

Persons: Wegovy, Biden, Robert F, Kennedy Jr, Donald Trump's, Xavier Becerra, Trump, Becerra, Eli Lilly, Zepbound, Kennedy, he's Organizations: Novo Nordisk, U.S . Department of Health, Human Services, U.S . Health, Associated Press, Medicare, Centers, Services, Food and Drug Administration Locations: London, Britain, U.S, Novo

☆ Eli Lilly shares jump on two big updates and Jim Cramer is so here for it
▼ + stars: | 2024-11-26 | by ( Kevin Stankiewicz | ) www.cnbc.com time to read: +9 min

Eli Lilly shares soared Tuesday on a one-two punch of good news. The second positive development for Eli Lilly comes from Amgen , which reported mid-stage trial results for its experimental obesity treatment known as MariTide. Big picture The prospect of across-the-board coverage of obesity drugs for Medicare and Medicaid enrollees would be a financial win for Eli Lilly, particularly on the Medicare front. For its part, Eli Lilly has said regulators could expand Zepbound's label to cover obstructive sleep apnea by year-end. An Eli Lilly & Co. Zepbound injection pen arranged in the Brooklyn borough of New York, US, on Thursday, March 28, 2024.

Persons: Eli Lilly, Jim Cramer, Biden, Lilly, didn't, Wegovy, Zepbound, Biden administration's, Donald Trump, Wells, Robert F, Kennedy Jr, Trump, Kennedy —, Kennedy, Novo, Leerink, Eli Lilly's tirzepatide, Piper Sandler, tirzepatide, Piper, Jim, Amgen's, retatrutide, Jim Cramer's, Shelby Knowles Organizations: Novo Nordisk, Medicaid, NBC News, White, Medicare, Centers, Services, STOP, Alliance, Wells Fargo, of Health, Human Services, Food and Drug Administration, Senate, Biden, Club, CNBC, Bloomberg, Getty Locations: New York, Texas, Amgen, Lilly, Brooklyn

☆ Scott Turner, a former NFL player and Trump’s pick to lead Housing and Urban Development, faces a difficult task
▼ + stars: | 2024-11-26 | by ( Samantha Delouya | ) edition.cnn.com time to read: +6 min

Donald Trump ran on the promise of steep government budget cuts, and some industry experts believe money flowing toward HUD could be on the chopping block. The housing agency provides rental assistance for low-income households, administers mortgage insurance to prospective homeowners and enforces fair housing law. During Trump’s first term, his office repeatedly sought to make steep cuts to HUD’s budget, though they never passed Congress. If Trump successfully implements budget cuts “there will be longer waiting lists for housing vouchers. Liz Osborn, the vice president of policy at Enterprise Community Partners, a nonprofit focused on home access and affordability, said that HUD budget cuts in Trump’s second term aren’t a guarantee, though.

Persons: Scott Turner, Donald Trump, ”, Bob Greenstein, Turner, Ben Carson, Trump’s, Carl Harris, ” Harris, Bob Broeksmit, Broeksmit, Trump, Ginnie Mae, ” Broeksmit, Elon Musk, Vivek Ramaswamy, that’s, Howard Husock, Biden, ” Husock, Husock, Liz Osborn, “, ” Osborn, ” Turner, ” Trump, JPMorgan Chase Organizations: CNN, Department of Housing, Urban Development, Brookings Institution, NFL, National Association of Home Builders, HUD, Mortgage Bankers Association, Federal Housing Administration, “ Department, Government, American Enterprise Institute, Enterprise Community Partners, White, Economic, Scott’s, Urban Institute, JPMorgan Locations: America, Trump’s

☆ Renters struggle to build wealth, report finds. Here’s how they can boost financial wellbeing
▼ + stars: | 2024-11-26 | by ( Ana Teresa Solá | ) www.cnbc.com time to read: +5 min

In 2022, the typical renter in the U.S. had a median net worth of $10,400, according to a new report by the Aspen Institute. Renters generally go through financial challenges like lower income, higher debt, fewer savings balances and lower rates of asset ownership, the report noted. Across income levels, renters are less likely than homeowners to own assets including cars, retirement accounts and securities, among others, the report found. Here are some of the financial challenges renter households face by income, according to the Aspen Institute, and ways they can build wealth. watch nowA hypothetical family in this category "first needs financial stability to meet the precondition for wealth building," the Aspen report notes.

Persons: That's, Janneke Ratcliffe, Ratcliffe, Clifford Cornell, Cornell, Shaun Williams, Williams Organizations: Aspen Institute, Finance, Urban Institute, Paragon Capital Management Locations: U.S, Washington ,, New York City, Denver

☆ I spent $120 on a ferry to and from an artsy Cape Cod town with beautiful views. The scenic 90-minute ride wasn't even the best part.
▼ + stars: | 2024-11-26 | by ( Natalie Gale | ) www.businessinsider.com time to read: +1 min

AdvertisementI spent about $120 on a round-trip ferry ride from Boston to Provincetown, Massachusetts, and back. The ferry, which I booked through Boston Harbor City Cruises, had lots of seating and a snack bar. A friend and I recently decided to take a day trip there from Boston via a 90-minute ferry ride on Boston's Provincetown/Cape Cod Fast Ferry through Boston Harbor City Cruises. Including taxes, fees, and ticket insurance, my round-trip ticket cost about $120. Here's what the ferry ride and day trip to Provincetown were like.

Organizations: Boston, Boston Harbor City Cruises, Provincetown Locations: Boston, Provincetown , Massachusetts, Boston Harbor, Cape Cod, Provincetown, Cape

☆ AI Customer Service Chatbots Are Making People Miserable and Annoyed
▼ + stars: | 2024-11-26 | by ( Emily Stewart | ) www.businessinsider.com time to read: +14 min

By corporate America's (sometimes dubious) telling, AI is basically the answer to everything, including customer service. A recent Gartner survey found that nearly two-thirds of customers prefer that companies don't use AI for customer service. Related storiesEven setting aside the cost savings for companies, there are clear reasons that AI should be a good fit for customer service. "We know that there are certain aspects of customer service that AI is doing well. What's more, if every company has a mediocre AI experience, the bar might just be lowered across the board.

Persons: I've, I'm, It's, it's, Karen, I'd, Michelle Schroeder, don't, Michelle Kinch, that's, aren't, Keith McIntosh, They're, they're, Kinch, Jason Maynard, Chris Filly, Maynard, Jeff Gallino, Rodney Zemmel, they'll, —, Gallino, Schroeder, We've, Emily Stewart Organizations: Corporations, Dartmouth's Tuck School of Business, Gartner, Companies, Asia Pacific, FedEx, Fortune, Santander, Siemens, McKinsey, Delta, Filly, Alexa, Business Locations: North America, Asia, Zendesk, Callvu, PolyAI

Some parents fear their kids will waste money, sink into debt, and never move out. The financial planner tells parents to foster independence in their kids even if it's uncomfortable. AdvertisementMark Berg, who founded Timothy Financial Counsel in 2000, says there are steps parents can take to avoid that fate. AdvertisementLimiting spending money also teaches kids about opportunity cost, reinforcing the idea that money is scarce and there are constraints on what they can afford. The veteran financial planner suggested parents be up front with their kids about how much they can contribute to their college funds.

Persons: Mark Berg, —, Berg, they're, " Berg Organizations: Service

As President-elect Donald Trump’s choice to lead the CDC, Dave Weldon, a former congressman from Florida and a physician, is positioned as an important anti-vaccine ally for Robert F. Kennedy Jr., Trump's pick for health secretary. The CDC is responsible for tracking and responding to infectious diseases, developing vaccine guidelines, collecting and analyzing health data and managing public health emergencies. The CDC provides vaccine recommendations for the public, including the pediatric vaccine schedule, which is followed by schools and parents. “This puts CDC, and HHS, in the driver’s seat for determining vaccine recommendations going forward,” she said. As HHS secretary, Kennedy could replace members of the ACIP with anti-vaccine advocates who make recommendations that the CDC approves, Reiss speculated.

Persons: Donald Trump’s, Dave Weldon, Robert F, Kennedy Jr, Weldon, Kennedy, ”, Dorit Reiss, “, Donald Trump, Tim Shortt, Reuters Kennedy, Weldon ‘, Trump, wouldn’t “, Jennifer Kates, Kates, Reiss, doesn’t, ” Reiss, Dr, Peter Hotez, “ We’ve, that’s, ” Hotez, we’ve, “ Who’s Organizations: Centers for Disease Control, of, CDC, Department of Health, Human Services, Senate, U.S, HHS, University of California Law, Trump, Florida Today, Reuters, NBC News, Global Health, HIV, Democratic, Affordable, Texas Children’s Hospital, Vaccine Development, World Health Organization Locations: Florida, U.S, of Florida, Francisco, Melbourne, Fla, Texas, pertussis

☆ Warren Buffett speaks out against creating family wealth dynasties, gives away another $1.1 billion
▼ + stars: | 2024-11-25 | by ( Yun Li | ) www.cnbc.com time to read: +3 min

Buffett believes family wealth dynasties could have negative consequences such as eroding personal growth and complicating relationships. "I've never wished to create a dynasty or pursue any plan that extended beyond the children," Buffett wrote in a lengthy letter Monday. He has appointed three trustees of his charitable trust to potentially succeed his children in disbursing his wealth. They are also somewhat younger than my children," Buffett wrote. He said he's built strong trust in his children's managerial ability and philanthropic ambition through years of observation.

Persons: Warren Buffett, Buffett, I've, Susie, Howie, Peter, disburse, he's Organizations: Oracle, BNSF Railway Locations: Berkshire Hathaway, Berkshire, Omaha , Nebraska, Omaha, Buffett's Berkshire

☆ Does basic income work? We spoke to 8 families who got it.
▼ + stars: | 2024-11-25 | by ( ) www.businessinsider.com time to read: +2 min

The money, known as a Guaranteed Basic Income, is generally awarded for a year or two in monthly payments of $500 to $1,000. To see how the programs are working, we interviewed dozens of participants from a wide range of backgrounds and circumstances. What we found is that a guaranteed income — even a small one — can have a profound impact on people’s lives. To be sure, the guaranteed income isn’t enough to guarantee a better life. “The income makes the pain a little bit more tolerable, but it doesn’t take it completely away.

Persons: Jessica Nairns, ”, “, didn’t, Raven Smith Locations: Austin, Portland

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