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☆ A shooting near my son's daycare center prompted us to move from California to Japan. I feel safer here.
▼ + stars: | 2024-09-18 | by ( Erin Liam | ) www.businessinsider.com time to read: +6 min

A shooting near my son's school in Los Angeles escalated our plans. In 2019, when my son was 2, a shooting took place at a shopping mall near his daycare center. In Japan, my son attends an international school because he's not yet fluent in Japanese. I knew people working two or three jobs, and they drove fast to get from place to place and fill their time with activities. We plan to stay in Japan until my kids finish high school, as I want them to have a stable community during their school-age years.

Persons: —, Genie Doi, he's, Doi, I'm, We'll, We've, I've Organizations: Service, Business, CIA Locations: American, Osaka, Japan, Los Angeles, In California, LA, Japanese, Korean, Hawaii, California, Hong Kong, China, South Korea

☆ Meet the ex-Googler joining Goldman Sachs to build tech and optimize its investment banking and trading business
▼ + stars: | 2024-09-18 | by ( Bianca Chan | ) www.businessinsider.com time to read: +8 min

As the incoming global head of technology engineering for Goldman Sachs' global banking and markets division, the ex-Googler will run the engineering team for Goldman's investment banking and sales and trading units. And lots of different challenges in the space given how much is being invested in this particular business," Goldman told Business Insider, referring to efforts to build systems that can handle the firm's anticipated growth in a compliant and resilient way. Goldman Sachs' core business of advising companies through mergers, acquisitions, and raising capital, has come under the spotlight recently as investment-banking activity continues to be slow. AdvertisementWith an anticipated decline in trading volumes across Wall Street, Goldman's sales and trading business will continue to lean on technology to win market share among institutional investors. During her first stint at Goldman, she managed various tech teams and was named managing director in 2008.

Persons: Melissa Goldman, Goldman Sachs, Goldman, she's, couldn't, You've, I'm, I've Organizations: Service, Goldman, Google, JPMorgan, Wall, Big, Bank of America Locations: Wall, Bermuda, Big Tech

☆ Meet the ex-Googler joining Goldman Sachs to build tech and cut costs for its investment banking and trading business
▼ + stars: | 2024-09-18 | by ( Bianca Chan | ) www.businessinsider.com time to read: +8 min

☆ We couldn't afford day care, so I'm a stay-at-home mom while working full time. I'm trying not to resent my partner.
▼ + stars: | 2024-09-15 | by ( Betsy Decillis | ) www.businessinsider.com time to read: +5 min

We were sitting in on a virtual tour of a day care. It was the first day care that had been willing to talk to us at all. This one was full, with a waiting list of nine months for part-time care and 18 months for full-time. I had promised my clients she would be in day care by six months so that they could be my priority in the daytime. Related storiesI pretended to listen to the rest of the virtual tour, knowing that day care wouldn't work for us.

Persons: It's, We've, I've, I'm, She's, Will Organizations: Service, Business

☆ Special needs trusts bring peace of mind to aging parents
▼ + stars: | 2024-09-13 | by ( Hannah Frances Johansson | ) edition.cnn.com time to read: +17 min

Because of her disability, Rachel doesn’t work. The SNT is in place to pay for unmet needs and enhance his quality of life after his parents die. Unlike SNTs, ABLE accounts can be owned and accessed directly by the person with the disability. However, like first-party SNTs, ABLE accounts may be subject to Medicaid payback after the individual with a disability dies. Like her mother, Rachel Tung has a love for San Francisco, its arts and its culture.

Persons: Linda Tung, Rachel, Tung, Tung’s, Rachel doesn’t, we’re, ” Tung, “, David Goldfarb, ” Goldfarb, they’re, ”, Stephen Dale, Amin Muhammad Amy Tessler, Scott, ” Tessler, Tessler, ” Dale, You’re, Goldfarb, ” Hall, Dale, Sabrina Padillo, —, Padillo, she’s, ” Padillo, fiduciaries, “ We’re, Tesslers, Scott ., SNTs, “ I’ve, Alisa Ferguson, Virginia’s, haven’t, ” Ferguson, Rachel’s, Rachel Tung, “ She’s, Amin Muhammad Mother, “ I’m, ” Rachel, … Everything’s, Hannah Frances Johansson, Amin Muhammad Organizations: Berkeley , California CNN, Population, Mercy, Hall Law Firm, Lawyers, Dale Law, Children, Housing, The Dale Law Firm, Services, San, Rehabilitation Care, Golden State, Trust, Alliance, Legion, de, Academy of Sciences, University of California, Graduate School of Journalism Locations: Berkeley , California, San, Golden, “, San Francisco, Dale, Pacheco , California, Sunflower, California’s East Bay, Oakland, Sunflower Hill, San Diego, Thailand, Berkeley, Santa Cruz, de Young, Castro

☆ An around-the-world cruise that's stuck at port is kicking off passengers who complain
▼ + stars: | 2024-09-12 | by ( Brittany Chang | ) www.businessinsider.com time to read: +8 min

Unfortunately, she was kicked out before she could fulfill her world cruise aspirations. "They didn't just complain, they outright threatened with media unless they get what they want," Mikael Petterson, the founder and CEO of Villa Vie, told BI in an email. "That's how much I had wanted a world cruise." But she was kicked off before Villa Vie Odyssey could set sailOther buyers have begun moving onto the residential cruise ship. So far, Villa Vie has repaid her almost $8,000, with another about $7,400 still pending — still a few thousand short of her $18,600.

Persons: —, Jenny Phenix, — Phenix, Bonny Kelter, Mikael Petterson, Vie, Kelter, Villa Vie, Bonny, Petterson, Phenix, Villa, she's, aren't, Fred Olsen Cruise, Fred Olsen's, Angela, Stephen Theriac, Kathy Villalba, Stephen Theriac Petterson, hasn't Organizations: Service, Business, Residences, Sea Cruises, Villa Vie, Villa, Fred Olsen Cruise Lines, Norwegian Cruise, Security Locations: Europe, Asia, Australia, South, North America, Africa, Palm Beach , Florida, Braemar, Norwegian, Florida

☆ My 16-year-old got her first job at a restaurant. Having a paycheck helped her understand the value of money.
▼ + stars: | 2024-09-10 | by ( Beth Shea | ) www.businessinsider.com time to read: +4 min

When I was growing up, it was a family rule that when you turned 16, you got a summer job. Among many other life lessons, her summer job became a crash course in finance — a lesson she desperately needed as a modern-day teen. Instead, I found myself constantly hitting the "transfer" button on my banking app to move money from my account to my daughter's. She learned the value of money after she started workingOnce my daughter got a job, she learned firsthand the hard work that goes into earning every dollar herself. Now, when she deposits her paycheck into her own bank account, she feels a great sense of pride and appreciation for the money she is able to save.

Persons: Peers Organizations: Service, Business

☆ Tim Walz took a $135,000 early withdrawal from a retirement account—that's generally a 'lose-lose situation,' says CFP
▼ + stars: | 2024-09-09 | by ( Ryan Ermey | ) www.cnbc.com time to read: +3 min

Even more interestingly, Walz told the Journal that he made a roughly $135,000 early withdrawal from a workplace retirement account last year to fund his daughter's college education. Walz is in an unusual situationFor Walz, $135,000 represents a relatively small chunk of what he can expect to earn in retirement. The Wall Street Journal estimates the Walzes' retirement savings at more than $1 million, meaning that the early withdrawal likely represented somewhere in the neighborhood of 10% of the retirement fund. Of Walz and his wife's roughly $300,000 in 2023 income, about $135,000 came from pensions or annuities. But it's especially dangerous for the majority of Americans who will have to rely heavily on their investments to fund their retirement.

Persons: Tim Walz, Walz, Gwen, J.D, Vance, It's, Gerika Espinosa, —, Jamie Bosse, Bosse Organizations: Wall Street, Republican, Street, CGN Advisors, Social Security Locations: Minnesota, Salt Lake City , Utah, Manhattan Kansas

☆ Trump hush money sentencing postponed past Election Day, judge rules
▼ + stars: | 2024-09-06 | by ( Kevin Breuninger | ) www.cnbc.com time to read: +3 min

Former President Donald Trump will not be sentenced in his New York criminal hush money case until after the Nov. 5 presidential election, a judge ruled Friday. The sentencing, which was set for Sept. 18, will instead take place on Nov. 26, Manhattan Supreme Court Judge Juan Merchan ruled. The Supreme Court's ruling had already spurred Merchan to delay Trump's sentencing, which was originally scheduled for July 11, by more than two months. Trump campaign spokesman Steven Cheung in a statement Friday said, "There should be no sentencing in the Manhattan DA's Election Interference Witch Hunt." "As mandated by the United States Supreme Court, this case, along with all of the other Harris - Biden Hoaxes, should be dismissed," Cheung said.

Persons: Donald Trump, Juan Merchan, Trump, Merchan, Trump's, Michael Cohen, Stormy Daniels, Cohen, Alvin Bragg's, Steven Cheung, Harris, Biden, Cheung, Bragg, Joe Biden Organizations: U.S, New York, Court, Manhattan, Trump, Republican, United States Supreme, NBC News Locations: New York, Manhattan

☆ Former Vice President Dick Cheney, a Republican, will vote for Kamala Harris in November, his daughter Liz Cheney says
▼ + stars: | 2024-09-06 | by ( Josephine Rozzelle | ) www.cnbc.com time to read: +2 min

Liz Cheney arrives with her father, former Vice President Dick Cheney, to vote at the Teton County Library during the Republican primary election, in Jackson Hole, Wyoming, on Aug 16, 2022. Republican former Vice President Dick Cheney will vote for Democrat Kamala Harris in the 2024 presidential election, his daughter Liz Cheney said Friday. A former member of the House from Wyoming, Liz Cheney broke with Trump over the Jan. 6, 2021, attack on the Capitol. When Liz Cheney was up for reelection the following year, Trump successfully worked to defeat her in the state's Republican primary. Liz Cheney on Wednesday became the latest Republican to back Harris when she delivered a surprise endorsement of the Democratic vice president during an event at Duke University.

Persons: Liz Cheney, Dick Cheney, Kamala Harris, he's, there's, Donald Trump, Trump, Steven Cheung, George W, Cheney, Harris, Colin Allred, Republican Sen, Ted Cruz, Allred Organizations: Teton County Library, Republican, Texas Tribune, Trump, NBC News, Democratic, Duke University, Texas Senate, United States Senate Locations: Teton County, Jackson Hole , Wyoming, Wyoming, Texas

☆ Instead of spending money on camp or day care, I kept my daughter home this summer. We got more quality time, but it was harder to work.
▼ + stars: | 2024-08-24 | by ( Evan Porter | ) www.businessinsider.com time to read: +6 min

We'd been too overwhelmed to track down summer camps and get on registration wait lists, and spots were starting to fill up. AdvertisementNo summer camp, no formal childcare at all. Most day camps in our area run at least $200 for a week (and that's being conservative). AdvertisementTo make matters worse, our daughter just didn't seem overly thrilled about most of the camp options out there. The author kept his daughter home from summer camp or day care this summer.

Persons: Evan Porter Organizations: Service, Business Locations: Atlanta

It's never too early to start thinking about saving for college, and a 529 plan can help with that. A 529 plan is great for saving on taxes, but its lack of flexibility makes it less valuable to me. She's had a 529 plan since she was only a few weeks old. Your contributions can grow tax-free in a 529 plan. This is a fantastic benefit that can give families the ability to diversify the taxability of accounts for a 529 plan beneficiary in the future.

Persons: It's, —, She's, Roth, doesn't Organizations: Service

☆ A 4th-grade teacher found a lucrative side hustle: designing decadent dorm rooms for college kids for $5,000 apiece
▼ + stars: | 2024-08-23 | by ( Dan Latu | ) www.businessinsider.com time to read: +7 min

Read previewThis as-told-to essay is based on a conversation with Shelly Gates, 49, whose Jackson, Mississippi-based interior-decor firm Mary Margaret Designs focuses on college dorm rooms. It started with my daughter's dorm room at Mississippi State in 2020. There was a little "dorm room of the year" contest in one of my mom Facebook groups, and they happened to pick my daughter's room. The study corner of a room Gates designed at Ole Miss. A University of Southern Mississippi dorm room that Gates decorated.

Persons: —, Shelly Gates, Mary Margaret Designs, Gates, Shelly Gates I've, Ole, I've, Mizzou, they'll, It's, Shelly Gates I'm Organizations: Service, Business, Mississippi State, Facebook, Mississippi State University, Southern Methodist University, SMU, University of Southern, Ole Miss, Amazon, Ole Locations: Jackson , Mississippi, South, Ole Miss , Mississippi State, University of Southern Mississippi, Bama, Belmont, Arkansas, Ridgeland , Mississippi

☆ I'm a first-generation funeral director. The industry is facing a labor shortage and young women are its future.
▼ + stars: | 2024-08-18 | by ( Lauren Edmonds | ) www.businessinsider.com time to read: +4 min

I'm now a proud first-generation funeral director and embalmer. It's going to open up several thousands of positions for young funeral directors to step in and make an impact. I'm excited for the next generation because, in my opinion, there has never been a better time to be in the funeral service. To me, the mindset of a funeral director is to lead the family to their new norm. AdvertisementIf you are artistic, you could be an amazing restorative artist or funeral director planning beautiful funerals.

Persons: —, Allyse Worland, It's, I've Organizations: Service, Business, Mid, America College of Funeral Service Locations: Indiana, Kentucky, Egypt

☆ My 3rd child was a daughter, and with her, I felt more pressure to be a role model. She's always watching what I'm doing.
▼ + stars: | 2024-08-03 | by ( Amanda Miller Littlejohn | ) www.businessinsider.com time to read: +5 min

I've always felt it to be a dangerous setup for both parent and child. My daughter looks up to meI've noticed my daughter's eyes scanning me for clues on how she should show up. If this tiny, impressionable person wants to mimic everything I do, I've had to start asking myself: What exactly am I doing? AdvertisementThe author's daughter looks up to her. I also make sure she sees me enjoying my coffee in my expensive porcelain china instead of the chipped promotional mugs.

Persons: —, I've, she'll, adorably, it's, Amanda Miller Littlejohn Organizations: Service, Business

☆ Google's AI Olympics ad is drawing jeers online but scores surprisingly well among viewers
▼ + stars: | 2024-07-30 | by ( Lara O'Reilly | ) www.businessinsider.com time to read: +6 min

Read previewAn Olympics ad from Google depicting a father using its Gemini AI assistant to help his daughter compose a letter to her favorite athlete has drawn sharp criticism from online commentators. Google's "Dear Sydney" spot first aired on TV during the broadcast of the opening ceremony on July 24 and is also available on YouTube. Related stories"It follows a coherent story, focuses on characters with agency and vitality, and prioritizes people over the product," said Jon Evans, System1 chief customer officer, of Google's ad. Still, several ad experts have said Google's marketing department — which created the ad in-house rather than using an ad agency — should have done a better job of reading the room. The "Dear Sydney" spot was still airing on US TV on Tuesday morning, according to the measurement firm iSpot.

Persons: —, USA's Sydney McLaughlin, McLaughlin, Shelly Palmer, Syracuse University's S.I, Jon Evans, Evans, System1, Kevin, Sabrina, Sydney, Maani Safa, Poppins, Safa, Malcolm Poynton, didn't, Lorraine Twohill, Josh Green Organizations: Service, Google, Gemini, Business, Paris Olympics, YouTube, Team USA, Syracuse University's, Newhouse School of Public Communications, NBC Sports, Cheil Locations: Paris

☆ My helicopter parents forged job applications for me as a teen. I almost made the same mistake with my own child.
▼ + stars: | 2024-07-30 | by ( Jane Ridley | ) www.businessinsider.com time to read: +4 min

This story is available exclusively to Business Insider subscribers. A few months later, I secured a part-time job by randomly asking for shifts at a local café. Related storiesI later found part-time work as a dishwasher at a restaurant, a sales assistant in a menswear store, and a bartender. "My daughter's looking for a part-time job in the evening, particularly on weekends." Do you have an interesting story about mistakes and successes in parenting that you'd like to share with Business Insider?

Persons: —, John, Mom, didn't, Jane Ridley You'd, I'd Organizations: Service, Business Locations: England

Hopscotching around the East Coast on credit card rewardsMy oldest daughter shares my passion for all things related to aviation and space, and she would love to have a career in the aerospace industry. We easily earn these points from personal cards like our Chase Sapphire Preferred® Card and business cards like the Ink Business Preferred® Credit Card. Also, I hold a Southwest Airlines Companion Pass, which I earned from signing up for the Southwest Rapid Rewards® Plus Credit Card and the Southwest® Rapid Rewards® Performance Business Credit Card. I use the World Of Hyatt credit card and the World of Hyatt Business Credit Card to earn points, but it's also a transfer partner of Chase Ultimate Rewards. Continuing to the northeastWe arrived late at night and stayed at Hyatt Place by the Washington DC National Mall, again with World of Hyatt points.

Persons: —, It's, it's, Chase, Riddle, Johns Organizations: Service, Business, Embry, Riddle Aeronautical University, Southwest, Chase, Chase Sapphire, Southwest Airlines, Hyatt House, Orlando Airport, Hyatt, Hyatt Business, Card, Reagan National Airport, Washington DC National, U.S . Naval Academy, Naval Academy, Johns Hopkins Applied Physics, University of Delaware, Hyatt Place Locations: Denver, East, Daytona Beach , Florida, Daytona, Orlando, Florida, Washington, Annapolis , Maryland, Baltimore, Newark , Delaware, New York City, La Guardia

☆ A boomer helped pay for his daughter's college and her husband's student debt. He won't start gifting their inheritance until they curb their spending.
▼ + stars: | 2024-07-28 | by ( Kelsey Vlamis | ) www.businessinsider.com time to read: +5 min

Ken, a semi-retired health services executive, helped his daughter and her husband pay for college and for their home. AdvertisementKen said his daughter graduated from college without any debt, thanks to an academic scholarship and a 529 savings plan he contributed to. By the time his daughter got to college, the plan had about $75,000 in it. Ken wants to start gifting them money but wants to make sure they're savingHowever, Ken said they started spending heavily while trying to furnish and improve their home. Ken said he would like to start gifting them the annual amount that's allowed tax-free.

Persons: Ken, they've, Ken's, didn't, I've, that's boomer, hasn't, he's, it's Organizations: Service, Business

☆ My wife and I collected 24 years' worth of clutter. Now, our hobby is throwing away a bag of trash every night, and it's changed our marriage.
▼ + stars: | 2024-07-28 | by ( Noah Berlatsky | ) www.businessinsider.com time to read: +4 min

"But do we really need eight reserve bottles of dish soap?" "It's dish soap," she pointed out. "You always need dish soap." After 24 years of marriage, we have found a hobby to renew our bond and a new journey to embark on together. But for now, we are united in our mission, and by the bittersweet realization that we never need to buy dish soap again.

Persons: Overstuffed, it's, David Byrne, It's, decluttering Organizations: Service Locations: There's

☆ NSYNC's Joey Fatone says he struggles to understand his teenage daughter's Gen Z slang
▼ + stars: | 2024-07-25 | by ( Erin Liam | ) www.businessinsider.com time to read: +3 min

download the appSign up to get the inside scoop on today’s biggest stories in markets, tech, and business — delivered daily. Read previewIn the '90s, Joey Fatone charmed teenage girls as a member of the boy band NSYNC. This story is available exclusively to Business Insider subscribers. AdvertisementDecoding slang helps parents connect better with their kidsMiddle school teacher Philip Lindsay previously told Business Insider that keeping up with the younger generation's slang can help parents connect with their children. AdvertisementA representative for Fatone did not immediately respond to a request for comment sent outside regular business hours.

Persons: —, Joey Fatone, Kloey Alexandra, TODAY.com, Philip Lindsay, Lindsay, Fatone, Kelly Baldwin, Briahna Joely, NSYNC, Ariana Grande, Ole, Briahna, it's Organizations: Service, Business, Alpha Locations: Coachella

☆ I burned out trying to be an overachieving parent. I learned it's OK to ask for help.
▼ + stars: | 2024-07-22 | by ( Amanda Miller Littlejohn | ) www.businessinsider.com time to read: +9 min

Then, I'd put them down for their afternoon nap, during which I'd work on projects for my consulting clients. I saw my overachieving as a way to set them up for future success in a hyper-competitive world. I learned it's OK to ask other parents for helpMy girl-mom network has shared hand-me-down winter coats, barely-worn Easter dresses, and pediatric specialist recommendations. But I've learned relying on my network to hook me up doesn't make me lazy, unserious, or checked out as a parent. AdvertisementThe author learned it's OK to ask for recommendations from friends and other parents while parenting her daughter.

Persons: Fela Kuti, John Coltrane, Jacob Lawrence, Romare Bearden, Jean, Michel Basquiat, We'd, I'd, Amanda Miller Littlejohn, —, hadn't, They've, I've, I'm, — I'm, they'll, It's Organizations: Service Locations: Tennessee

Read previewAfter having our first child together in 2023, my husband and I agreed that we both needed life insurance. Get a joint life insurance policyWe quickly decided it didn't make sense for us to have two separate life insurance policies. Since we're married, we can get a joint life insurance policy — we looked at one through New York Life Insurance. Bulk discount on two separate policiesWe also noticed that some life insurance policies offered a bulk discount if we both got two separate life insurance policies simultaneously. Progressive Life Insurance was one option that also offered bundles with other types of insurance, like auto or renters insurance.

Persons: —, we're, there's Organizations: Service, Business, New York Life Insurance, Insurance, State Farm Life Insurance Locations: New

☆ Instead of buying gifts for our daughters, we ask parents to bring toys their kids no longer use. We do an exchange at the party.
▼ + stars: | 2024-07-14 | by ( Katrina Donham | ) www.businessinsider.com time to read: +6 min

Her first birthday party became a family reunion and an event to mark what felt like the toughest part of the pandemic. It seems like there's another birthday party every weekThat first birthday party was more than three years ago. It's also hard to remember to buy a gift for such-and-so's birthday party this weekend, with everything else we have going on during the week. I decided to ask parents not to buy gifts for my daughtersThat's when my idea was born: I would directly ask parents NOT to buy new gifts for our daughters' birthday parties. Additionally, I would encourage parents to reuse old gift bags, wrapping paper, and ribbon to wrap them.

Persons: she'd, I've, It's, invitees, wouldn't, I'd Organizations: Service Locations: Asheville , North Carolina

☆ I write an advice column about money and relationships. When I get questions about weddings, I always remind readers that they're about two people.
▼ + stars: | 2024-07-12 | by ( Olivia Christensen | Avril Ayers | Read More | ) www.businessinsider.com time to read: +6 min

In my advice column, For Love & Money, I get a lot of big questions about paying for weddings. The key to all my advice is that a wedding is about exactly two people — and that's OK.Do you have your own questions about money and relationships? It seemed that what hurt the aunt most was that this niece later married the guy anyway, without a big wedding, inviting the aunt, or repaying her. I encouraged the bride to lean into the universally acknowledged truth that a person's wedding day is their own. Looking for advice on how your savings, debt, or another financial challenge is affecting your relationships?

Persons: —, Big, she'd, doesn't Organizations: Service Locations: United States

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