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☆ Climate change is gentrifying neighborhoods. In Miami, residents fear high prices — and a lost soul
▼ + stars: | 2024-07-27 | by ( Greg Iacurci | ) www.cnbc.com time to read: +16 min

Part of the building site of the Magic City development in Little Haiti. Among the properties is Sixty Uptown Magic City, billed as a collection of luxury residential units. Plaza Equity Partners, a real estate developer and one of the Magic City partners, did not respond to CNBC's requests for comment. Magic City development site in Little Haiti. Magic City investors also invested $31 million in the Little Haiti Revitalization Trust, created and administered by the City of Miami to support community revitalization in Little Haiti.

Persons: Greg Iacurci, Greg Iacurci MIAMI — Nicole Crooks, James Brown, Sam Cooke, Ray Charles, Aretha Franklin, Ella Fitzgerald, Jackie Robinson, Joe Louis, Overtown, Crooks, Nicole Crooks, Carl Gershenson, Gershenson, Moody's, Robert Zangrillo, Princeton's Gershenson, Andrew Rumbach, Chris Rogers, Rumbach, Brown, Fredericka Brown, Carolyn Donaldson, Greg Iacurci Carolyn Donaldson, Donaldson, David Arditi, Greg Iacurci Flood, Arditi, homebuyers, Han Li, Richard J, Grant, Todd Crowl, Urban Institute Paulette Richards, Richards, who's, Carl Juste, Greg Iacurci Carl Juste's, — Viter, Maria Juste, Little, Little Haiti —, " Juste, Juste, Neil Fairman Organizations: Lyric, Greg Iacurci MIAMI, Catalyst Miami, Princeton University Eviction, Magic City, Liberty City —, Dade, Harvard University, Florida International University, Magic City Innovation, Dragon, Miami ZIP, Liberty City, Miami, West Palm Beach, Boca Raton, Urban Institute, Marshall Fire, Photodisc, Georgia Institute of Technology, Brookings Institution, Macedonia Missionary Baptist Church, Macedonia Missionary Baptist, Grove Rights, Community Equity, Development, Developers, City, Aria Development, Federal Emergency Management Agency, University of Miami, Florida International University Institute of Environment, Women, Leadership Miami, Little Haiti, Magic City Innovation District, Dragon Global, Magic, Plaza Equity Partners, Lune, Lambert, Little Haiti Revitalization Trust Locations: Miami's Overtown, Miami, Overtown , Miami, Magic, Little Haiti, U.S, Zillow, Overtown, Allapattah, Liberty, Dade County, Kendall, West Palm, Delray, Honolulu, Louisville , Colorado, Colorado, Coconut Grove, Macedonia, West, West Grove, Bahamas, Grove, City of Miami, Brickell, Caribbean, Liberty City, Haitian Diaspora, Magic City, Lune Rouge

☆ How ‘cat lady’ became an insult for women of a certain age
▼ + stars: | 2024-07-27 | by ( Scottie Andrew | ) edition.cnn.com time to read: +12 min

CNN —The stereotypical “cat lady” is one of pop culture’s most bizarre characters — and easiest punching bags. And though Vance’s description of “cat lady” didn’t include “crazy,” madness has been associated with “cat ladies” for over a century. “There is something about the independence of cats, something I like about them, which can be linked with a suspicion of independent women,” said Alice Madicott, whose book “Cat Women” prods the “crazy cat lady” stereotype. Many women proudly reclaim ‘cat lady’So-called cat ladies have been reclaiming the term for more than a century. And since Vance’s comments resurfaced this week, “childless cat lady” is now appearing on new merchandise including bumper stickers and yard signs.

Persons: Eleanor Abernathy, “ Big Edie ” Beale, She’s, Robert DeNiro, She’s …, Kamala Harris, Donald Trump’s, Sen, JD Vance, Tucker Carlson, “, ”, Harris, “ We’re, they’ve, ” Vance, Pete Buttigieg, we’ve, Harris “, Fiona Probyn, doesn’t, ” She’s, Rapsey, Vance, ’, haggard, Bastet, Corey Wrenn, Wrenn, Amir Makar, Agnes Waterhouse, Alice Madicott, untameable, Linda Rodriguez McRobbie, couldn’t, ” Rodriguez McRobbie, Havisham, Charles Dickens ’, Rodriguez McRobbie, Jane Austen, Miss Bates, “ Emma ”, Austen, spinsters, Hart Ayrault, Tom Cats, William Henry Ellam, Ken Florey, suffragettes, Big, Susan Michals, ” Michals, Women’s suffragists, suffragists Nell Richardson, Alice Burke, Michals, she’s, Michelle Pfeiffer, Zoë Kravitz, Halle Berry, Catwoman, who’s, Pfeiffer, Kravitz’s, Holly Golightly, Taylor Swift, Raymond Hall, ” Madicott, Swift, Kerstin Emhoff, Harris ’, Ella Emhoff, Jennifer Aniston, ’ —, Swifties Organizations: CNN, University of Wollongong, Democratic, University of Kent, Roman, Getty, Boston Globe, United, American Veterinary Medical Association Locations: Springfield, Australia, Egypt, Alexandria, AFP, Europe, England, “ Grey, New York, United States

☆ ‘A point of no return:’ Why Europe has become an epicenter for anti-tourism protests this summer
▼ + stars: | 2024-07-27 | by ( Billy Stockwell | ) edition.cnn.com time to read: +9 min

CNN —Anti-tourism protests have been sweeping across Europe this summer, with demonstrations taking place in the Netherlands, Greece, and of course, Spain. When anti-tourism protesters started to fire water pistols at visitors in the Barcelona city center on July 6, a moment that gained international attention, Ramirez said he could “feel the resentment” in the air. Frankly, I think it worked,” Ramirez said, reflecting on the ability of the protests to dissuade tourists from visiting the city. Jaime Reina/AFP/Getty ImagesIt’s not just housing issues that have generated a backlash against tourists, Ramirez said, adding that the disrespectful behavior of some has also played a part. Bad tourist behavior has been a problem across other parts of Europe too, including Barcelona, Mallorca, Magaluf and Benidorm, Ramirez said.

Persons: Carlos Ramirez, Ramirez, ”, It’s, Jaume Collboni, Andrey Rudakov, ” Ramirez, Antje Martins, Eduardo Santander, Martins, “, € 2.4million, Marco Bertorello, Luigi Brugnaro, Susanna Polloni, ” Polloni, Collboni, ‘, ’, Jaime Reina, Bacchus, ” Sebastian Zenker, Zenker Organizations: CNN, Primavera Sound, skyrocketing, ”, Bloomberg, Barcelona’s City, University of Queensland, “, European Travel Commission, Getty, Solidarity Network for Housing, Palma de Mallorca, AFP, Copenhagen Business School Locations: Europe, Netherlands, Greece, Spain, Spanish, Barcelona, Mallorca, Southern Europe, Canary, Magaluf, Barcelona’s, Antje, “ Barcelona, €, AFP, Venice, “, Sagrada Familia, Palma de, Florence, Italy, Benidorm

☆ I got my master's degree and have 5 freelance gigs, but I still can't make ends meet. I rely on my parents for financial support.
▼ + stars: | 2024-07-27 | by ( Averee Nelson | ) www.businessinsider.com time to read: +4 min

But I was shocked when I was met with judgment for still being on my dad's phone plan. Each sales associate jokingly asked if I was on my family's phone plan, and I sheepishly admitted I was. So, they're happy to help me by letting me stay on the family phone plan and sharing their streaming services with me. Related storiesMany of my friends moved back in with their parents after college to save money, and I've debated doing the same thing. I'm grateful that my family is so supportive, and just knowing that makes me work harder to meet my goals.

Persons: I've, sheepishly, we'd, It's, I'm, it's Organizations: Service, Columbia Journalism School, Pew Research Locations: New York, Manhattan

☆ Singapore is considered one of the best-designed cities in the world. The man who masterminded it has 2 regrets.
▼ + stars: | 2024-07-26 | by ( Amanda Goh | ) www.businessinsider.com time to read: +9 min

Read previewTowering skyscrapers, candy-colored public housing apartment blocks, and lush green spaces — Singapore has long been recognized for its meticulous urban planning. AdvertisementCreating bicycle paths for the city"When I was in the HDB, I raised the issue of planning bicycle paths for citizens," Liu told Business Insider. Liu says he wishes he had developed bike sections for roads and incorporated bicycle paths into streets. Related storiesAdditionally, bicycle paths can boost local economies, as cyclists are more likely to stop at local businesses, he said. fiftymm99Indeed, Singapore's public housing apartments are home to about 80% of the country's resident population today.

Persons: —, Liu Thai Ker, who's, Liu, Thomas Schroepfer, Schroepfer, John Pratt, Rita Padawangi, Taro Hama Organizations: Service, Business, Morrow Architects, Planners, Housing Development Board, Urban Redevelopment Authority, The Straits Times, Singapore University of Technology, Design, Ministry of National Development, Keystone, Singapore University of Social Sciences Locations: Singapore, Copenhagen, Amsterdam, Singapore's, Sands, Ubin, Pulau Ubin, kamakura

☆ Rats, roaches, and other creatures are winning against climate change, and it's bad news for humans
▼ + stars: | 2024-07-25 | by ( Ellyn Lapointe | ) www.businessinsider.com time to read: +8 min

In the game of climate change, there are both winners and losers. AdvertisementMany of these climate change "winners" are hardy, fast-breeding scavengers that already live in some of the most degraded habitats on Earth: cities. When it comes to what they eat, they aren't picky, which means they probably don't have to worry about climate change eliminating their food source. If climate change is driving a "ratpocalypse," as some evidence suggests, that could have big consequences for human health. But as climate change raises temperatures and alters precipitation trends, their range is expanding and shifting to new geographic areas.

Persons: Giovanni Strona, Shutterstock, they've, We're, —, they're, They're Organizations: Service, Business, Commission's, Research Centre, Pest Control, South America, AP, CDC Locations: York, Africa, Asia, South America, South, Florida, Texas, Europe, Vermont

☆ Ukraine Detains Suspect in Killing of Nationalist Politician
▼ + stars: | 2024-07-25 | by ( Constant Méheut | ) www.nytimes.com time to read: +1 min

The Ukrainian authorities detained a suspect on Thursday in the killing of Iryna Farion, a divisive far-right Ukrainian politician who was shot dead by a gunman last week in the western city of Lviv, a crime that shocked the nation. He said the suspect had been arrested in his hometown, Dnipro, a large city more than 500 miles east of Lviv in eastern Ukraine. Mr. Klymenko added that a preliminary investigation suggested that the suspect had worked with others to plan the killing. He added that the suspect, while preparing for the killing for at least two months, had “rented at least three apartments in Lviv.” Mr. Klymenko did not rule out the possibility of Russian involvement. Ms. Farion died on Friday after an unknown assailant shot her in broad daylight near her home in Lviv.

Persons: Iryna, Ihor, Farion, Klymenko, ” Mr, Witnesses Locations: Ukrainian, Lviv, Dnipro, Ukraine

☆ What to expect from Paris during the 2024 Summer Olympic Games
▼ + stars: | 2024-07-25 | by ( Kyle Feldscher | ) edition.cnn.com time to read: +9 min

Paris CNN —The 2024 Summer Olympic Games formally get underway on Friday with an incredibly unique Opening Ceremony aimed at putting one of the world’s most famous cities on display. PARIS, FRANCE - JULY 24: A view of Trocadero Square, the venue for the Paris Olympics opening ceremony, with the Eiffel Tower in the background, on July 24, 2024 in Paris, France. The 2024 Summer Games were organized with a mind to put the entire French nation on display, including its more tropical territories. A Games focused on sustainabilityPARIS, FRANCE - MARCH 14: The Paris 2024 logo, representing the Olympic and Paralympic Games four months prior to the start of the Paris 2024 Olympic and Paralympic games is displayed on the facade of Paris town hall on March 14, 2024 in Paris, France. The Opening Ceremony of the Paris 2024 Olympic Games takes place on Friday 26th July, along the River Seine.

Persons: Paris won’t, Pont Alexandre III, Sheng Jiapeng, they’re, It’s, Pascal Le Segretain, ”, Georgina Grenon, Paris ’, Laurent Michaud, Martin Rickett, –, Alexandre III Organizations: Paris CNN, Games, Eiffel, Concorde, Paris, China News Service, Getty, Covid, Paris Olympics, Chateauroux, Olympic, Paralympic Games, Paralympic, CNN Locations: Paris, France, of, Versailles, PARIS, FRANCE, Tokyo, China, Nice, Marseille, Bordeaux, Nantes, Lyon, Tahiti, Seine

But it's possible to help your child build a solid credit profile without putting your own credit health on the line. Remember, if an authorized user account is added to your child's credit reports, it has the potential to boost or damage your child's credit scores. A student credit card or a secured credit card can potentially be a good fit for young people who want to establish credit on their own. Can my child build credit without a credit card? Yes, you can build credit for your child without a credit card by using other methods like student loans and certain types of utility payments.

Persons: you'll, it's, you've, they're, It's Organizations: Social, American, Self Locations: Equifax, Chevron

☆ I spent 3 nights in Asia's least visited country. It also turned out to be the most expensive.
▼ + stars: | 2024-07-24 | by ( Marielle Descalsota | ) www.businessinsider.com time to read: +6 min

AdvertisementIt's one of the world's least-visited countries, making airfare and hotel rates more expensive than many countries in Asia. Only two airlines — the Indonesian low-cost carrier Citilink and the local airline Aero Dili — fly between Bali and Dili. Marielle DescalsotaCost of hotel stay for three nights: $500Timor-Leste only has a handful of three-star hotels and no luxury accommodations. I booked an entry-level room for three nights at Timor Plaza Hotel & Apartments for around $500, including tax. For activities, I spent $30 on a massage at a traditional Chinese spa and $50 on a half-day scuba diving trip at the coast.

Persons: —, I've, It's, what's, Cristo Rei, Hilton, Burger King, Gloria Jean's, nasi goreng Organizations: Service, Business, Leste, Indonesia, United Nations, Development, Aero Dili, Timor Plaza, Apartments Locations: Europe, Asia, Maldives, Bangkok, Kuala Lumpur, Timor, —, South, Connecticut, Development Asia, Indonesia, Australia, Bali, Dili, Darwin, stopovers, Singapore, Tokyo, guesthouses, Timor Leste

☆ The Solution for High Rents and Home Prices: Fewer Stairs
▼ + stars: | 2024-07-24 | by ( James Rodriguez | ) www.businessinsider.com time to read: +12 min

More specifically, they're taking aim at a widespread rule that requires almost every new apartment building in the US to include at least two separate stairwells. This part of local codes, they say, is an outdated safety measure that really just makes apartment units smaller, more expensive, and darker (yes, darker). City planners there sometimes call these single-stair buildings "Seattle Specials" — they simply wouldn't be possible in pretty much any other city. Almost all of Europe, as well as Asia, Mexico and South America, allows single-stair buildings of six stories or higher. Germany allows single-stair buildings to stretch to about 20 stories, while Switzerland has no such limit.

Persons: Chris Gannon, Gannon, Stephen Smith, Michael Eliason, Eliason, James F, Brian Court, We're, Sean Jursnick, Jursnick Organizations: City Council, Center for, Housel, Miller Hull Partnership, Eliason, City, Fire Protection Association Locations: Texas, Austin, Seattle, New York City, America, California, Minnesota, Washington and Oregon, North America, It's, Union, Seattle's, Hill, Denver, Europe, Asia, Mexico, South America, Germany, Switzerland, Honolulu, California , Oregon, Washington

☆ Tesla keeps touting future plans. But without specific details, investors aren't buying it.
▼ + stars: | 2024-07-24 | by ( Dan Defrancesco | ) www.businessinsider.com time to read: +7 min

In today's big story, we're looking at another Tesla earnings report that was light on details about big future plans . The approach worked well last quarter when Tesla's earnings report was even worse than expected . However, big-picture plans without concrete details fell flat for investors this time around. It's Tesla's silver lining amid the EV market slowdown. But as beneficial as competitors were to Tesla this quarter, others seem to be gearing up for battle.

Persons: Jordan Strauss, Chelsea Jia Feng, Elon, Katherine Tangalakis, Hannah Getahun, that's, —, Musk, Toby Melville, BI's Nora Naughton, It's, BI's Jordan Hart, Sundar Pichai, Waymo, Jenny Chang, Rodriguez, Wall, Keith Lerner, Ed Yardeni, Michael M, Tyler Le, Jensen Huang, Rebecca Zisser, Biden, Benjamin Netanyahu, Dan DeFrancesco, Jordan Parker Erb, Hallam Bullock, Annie Smith, Amanda Yen Organizations: Business, Chelsea, AP, Tesla, Getty, BI Supply, Nvidia, Big Tech, Hollywood, AWS, Microsoft, Paramount, Digital, Google, IBM, Ford Motors, Samsung, Galaxy, The Locations: Waymo, San Francisco, Phoenix, New York, Paris, London

☆ In Georgia’s Depressed Heartland, Pining for the Soviet Past
▼ + stars: | 2024-07-23 | by ( Ivan Nechepurenko | ) www.nytimes.com time to read: +1 min

The town of Kazreti, nestled in the picturesque mountains of Georgia near the border with Armenia, once boasted a cinema, a bank, musical fountains, two schools and a kindergarten. Dance ensembles and volleyball teams from across the Soviet Union would come to perform and compete, and central heating and electricity were free. But after the Soviet Union’s collapse in the 1990s, he said, everything also came crashing down in Kazreti. No longer supported by the Soviet command economy, the unprofitable local gold and copper mines and an enrichment plant were shut, putting hundreds of people out of work. Now there is just one school in the town and the cinema and bank have closed.

Persons: ”, Davit Jakeli Locations: Kazreti, Georgia, Armenia, Soviet Union, Tbilisi, Soviet

☆ Two killed as walkway collapses at Italy’s notorious ‘Gomorrah’ slum
▼ + stars: | 2024-07-23 | by ( Barbie Latza Nadeau | ) edition.cnn.com time to read: +2 min

Rome CNN —Two people were killed and at least 13 injured Tuesday when an elevated walkway collapsed in a condemned Italian slum notorious for its links to organized criminal groups. The Italian Fire Brigade said a 29-year-old man and a 35-year-old woman were killed in the collapse at the Le Vele housing slum in the Neapolitan suburb of Scampia. More than 800 people were living as squatters in the apartment complex at the time, including 300 children, according to the fire brigade. The housing complex, built in the 1970s and 1980s, originally consisted of four apartment buildings shaped like sails (“vele”) joined by elevated walkways. After the order to clear the complex in 2020, the local municipality launched a redevelopment project to house those still living at La Vele.

Persons: Rome, Roberto Saviano’s “, Gaetano Manfredi, ” Manfredi, Giorgia Meloni, ” Organizations: Rome CNN, Italian Fire Brigade, Le, Camorra Locations: Neapolitan, Scampia, La, Italian

☆ These apartments go for more than $100,000 a month. Why the superrich are deciding to rent rather than buy.
▼ + stars: | 2024-07-23 | by ( Daniel Geiger | ) www.businessinsider.com time to read: +8 min

AdvertisementIn doing so, they have etched out a new niche at the most rarefied heights of the residential market, in part by persuading buyers who might have lavished millions of dollars – or more – to rent instead. Rental projects, on the other hand, while less lucrative upfront, offer more stability for owners with a long time horizon. It recently reconsidered the plan based on the success of the building's rentals, Aries said, and is now offering the penthouse unit for rent. A guest room at a Maison Hudson luxury apartment Kira Turnbull for The CollectionBased on the success of Maison Hudson, Wainbridge is planning identical projects in Los Angeles and Miami Beach, according to Oudinot. Advertisement"The demand is thin and high and very volatile" at the top of the residential market, according to Nancy Packes, a real estate advisor and broker.

Persons: —, Ken Griffin, –, Maison, Tyrone McKillen, McKillen, Maison Hudson, Kira Turnbull, Jay, Beyonce, Erin Boisson Aries, Douglas Elliman, Aries, Maison Hudson Kira Turnbull, Maison Hudson's, Mikhail Kurnev, Kurnev, Jacques Oudinot, Barths, Oudinot, Wainbridge, Nancy Packes Organizations: Service, Business, Maison Hudson, Bel Air, Wainbridge, Miami Locations: Manhattan, West, Los Angeles, Maison, London, Fasano, Paris, Saint, St, Maison Hudson, Miami Beach

The information for the following product(s) has been collected independently by Business Insider: Marriott Bonvoy Boundless® Credit Card, Marriott Bonvoy Bold® Credit Card, Marriott Bonvoy Bountiful™ Card. Marriott Bonvoy 1K Bonus Points Per Stay: Earn 1,000 Marriott Bonvoy® bonus points per paid eligible stay booked directly with Marriott for properties participating in Marriott Bonvoy. Marriott Bonvoy Bountiful™ CardIf you're interested in the Marriott Bonvoy Bevy™ American Express® Card, you should also consider its almost identical sibling: the Marriott Bonvoy Bountiful™ Card. Marriott Bonvoy Rewards frequently asked questionsHow can I earn Marriott Bonvoy points? Business Insider values Marriott points at 0.7 cents apiece on average, so 50,000 Marriott Bonvoy points are worth $350 by our valuations.

Persons: Marriott, Regis, you'll, I've, We've, they've, You'd, You've, Cardholders, it's, Amex, cardholders, Taylor Organizations: Business, Marriott, Read, Marriott Bonvoy Marriott, Ritz, Carlton, Starwood Hotels, Resorts, JW Marriott, Marriott Delta, Sheraton Gaylord Hotels Homes, Villas, Marriott International, Marriott Hotels, Resorts Marriott, Carlton Reserve, Ambassador, Marriott Bonvoy, JW Marriott Chicago, British Airways Executive Club, American Airlines, Korean, Alaska Airlines, Cathay, Cross, Unicef Marriott, American Express, Emirates, Hertz, Hertz Five Star, United Airlines, TSA, Global, TSA PreCheck, Cell, New Hampshire Insurance Company, AIG Company, U.S, Chase, Amex, ™, Silver Locations: Bora Bora, Aspen, St, Regis, Villas, Maldives, Dubai, Greece, Chicago, Regis Beijing, Hong Kong, Cambridge, Delta, Asia, Cathay Pacific, Alaska, New York, Singapore, U.S, Marriott Bonvoy, Marriott

☆ A boomer gets just $1,056 a month in Social Security and works as a bus driver: 'I don't see myself being able to retire, but I'm grateful and healthy'
▼ + stars: | 2024-07-21 | by ( Noah Sheidlower | ) www.businessinsider.com time to read: +6 min

Read previewEmma Echols, 68, lives off $1,056 a month in Social Security and a part-time bus driver job in Alabama. Echols has worked since she was 12, working as a chef, a convenience store general manager, and a bus driver. "I always wanted to earn my own money," Echols said. "I always wanted to work, and at the age of 14, someone started my Social Security records for me. AdvertisementHer Social Security is $1,056 a month, a 25% reduction from her potential full benefit because she accepted payments early.

Persons: —, Emma Echols, she's, Echols, I've, hasn't Organizations: Service, Social Security, Business, Survey, Security Locations: Alabama

☆ China Shows Few Signs of Tilting Economy Toward Consumers in New Plan
▼ + stars: | 2024-07-21 | by ( Keith Bradsher | Chris Buckley | ) www.nytimes.com time to read: +1 min

China engaged in a monthslong drumbeat of anticipation that a Communist Party leaders’ meeting would show the way to a new era of growth for the slowing economy. The outcome was a plan released on Sunday offering more than 300 steps on everything from taxes to religion. Many economists had called for a comprehensive effort to rebalance the Chinese economy away from investment and toward consumer spending. The party promised to “promote the development of strategic industries” in eight sectors, from renewable energy to aerospace. Those were essentially the same industries as in the country’s decade-old Made in China 2025 plan to replace imports of high-tech goods with locally produced products, as part of a national push for self-reliance.

Persons: ’, — Organizations: Communist Party, Communist Party’s Central Committee Locations: China

☆ The Olympics Is Transforming Their Neighborhood. And Kicking Them Out.
▼ + stars: | 2024-07-20 | by ( Sarah Hurtes | ) www.nytimes.com time to read: +1 min

The building, once a warehouse, apartments and offices, is a temporary home — with one shower — for 60 adults and children. The stench of damp clothes and clogged toilets overpowers the strong scents of tomato and spices from the makeshift kitchenettes on upper floors. This is a so-called squat in Seine-Saint-Denis, a suburban area east of Paris that at one time was an industrial district. The other day she was getting ready to go to court to argue that she has the right to stay. “It may not be ideal, but it’s the best I have, and it’s a safe place to sleep,” she said one recent evening.

Persons: Denis, Mariam Komara, ” Locations: Seine, Paris, Ivory

☆ 26-year-old won the NYC housing lottery, pays $881/month for a 1-bedroom apartment: How the process works
▼ + stars: | 2024-07-20 | by ( Celia Fernandez | ) www.cnbc.com time to read: +10 min

Nahjae Olin won the NYC housing lottery in 2023 and signed a lease on a one-bedroom apartment in the Bronx. She and five of her siblings grew up in a one-bedroom apartment just one block away from the place she now calls home. Molly Stromoski for NYC Department of Housing Preservation & DevelopmentThe New York City housing lottery program helps residents find affordable housing, including rent-stabilized apartments. NYC Housing ConnectThe average ratio for HPD's housing lottery is 50 applications for each available unit. Before winning her housing lottery apartment, Nkenge lived in a small one-bedroom in Harlem.

Persons: Nahjae Olin, Olin, Molly Stromoski, Emily Osgood, Osgood, you've, It's, she'd, . Olin, I'm, Development Olin, you'll, Nkenge, Mickey Todiwala, That's, I've Organizations: CNBC, NYC Department of Housing Preservation, New, of Housing Preservation, Development, Yorkers, AMI, Housing, . Locations: Bronx, Bronx , New York City, New York City, New York, housingconnect.nyc.gov, Brooklyn, Williamsbridge, U.S, Harlem, Manhattan, Nkenge's

☆ I'm 30 and already have $50,000 in credit card debt. Declaring bankruptcy is my only way out.
▼ + stars: | 2024-07-20 | by ( Nicole Kempster | ) www.businessinsider.com time to read: +4 min

Read previewEight years ago I moved to New York City from Boston, and it was one of the hardest things I've ever had to do. The size of the room was huge, especially after I had heard horror stories of tiny New York City apartments, the only catch was that the room I would be in was way above my budget. Finally, last December — after eight years of living and financially struggling in New York City — I told my mom I was over $50,000 in credit card debt and didn't know what to do. Some of them are earnest sites that want to help, and some are predatory debt consolidation or debt settlement companies. It was clear that these companies were preying on people's shame — shame that I undeniably feel for racking up so much debt.

Persons: —, I've, New York City — Organizations: Service, Business Locations: New York City, Boston, Brooklyn, —

The information for the following product(s) has been collected independently by Business Insider: Marriott Bonvoy Boundless® Credit Card, Marriott Bonvoy Bold® Credit Card. Enjoy Complimentary Marriott Bonvoy Gold Elite Status with your Marriott Bonvoy Business® American Express® Card. Marriott Bonvoy Business Credit Card OverviewThe Marriott Bonvoy Business® American Express® Card can help you earn many Marriott points from your everyday business expenses. Marriott Bonvoy Business Credit Card vs. Marriott Bonvoy Boundless CardThe Marriott Bonvoy Boundless® Credit Card charges a lower annual fee of $95 and offers the same type of anniversary free night certificate as the Marriott Bonvoy Business® American Express® Card. Marriott Bonvoy Business Card Frequently Asked QuestionsIs the Marriott Bonvoy Business worth it?

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See Business Insider's picks for the best credit repair companies >>What is an excellent credit score? Here's how VantageScore and FICO scores are determined:FICO VantageScore Payment history (35%) Credit balance (30%) Length of credit history (15%) New credit (10%) Mix of credit accounts (10%) Payment history (40%) Length & type of credit (21%) Percent of credit used (20%) Total debt/balances (11%) Recent credit behavior and inquiries (5%) Available credit (3%)With this foundation laid out, let's look at ways to improve your credit score to achieve excellent credit. Pay your bills on time — every timeAs payment history is the most important factor used to determine your credit score, having a negative mark like a delinquent payment can lower your credit score and ruin your chances of an excellent credit score for years. A survey of 100,000 LendingTree users with excellent credit scores found that the average consumer with an excellent credit score keeps a credit utilization ratio of 5.7% on a credit limit of $58,514 spread over 7.9 accounts. Excellent credit score frequently asked questionsWhat is the best credit score?

Persons: Insider's, Zer, Gen Organizations: Isaac Corp, Visa, Card, Chevron Locations: Chevron

☆ I quit my 6-figure tech job when my mental health collapsed. My only responsibility now is to make myself happy.
▼ + stars: | 2024-07-19 | by ( Elle Hardy | ) 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. I worked my way up in my first company quickly and began earning a six-figure salary when I was 30. I felt really isolated, and it affected my mental health. I felt like my hard work went unappreciatedI tried to move to Chicago last year, but it didn't work out. It's been such a relief already, and the possibilities feel endlessJust making the decision helped my mental health — particularly my anxiety.

Persons: —, Rachel Stolba, I'm, I'd, unappreciated, didn't, Chicago wouldn't, I've, It's, it's, Lauryn Haas Organizations: Service, Business, Culver City, lhaas@businessinsider.com Locations: Los Angeles, America, New York, LA, Chicago, Morocco, Madrid, Mexico, Spanish, Culver, Central America, Costa Rica, San Juan del Sur, Nicaragua, Sayulita

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