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Our oldest is taking advantage of early college programsRecently, I attended an orientation with my 16-year-old for her early college program. I wasn't familiar with early college programs, but they've become popular in our local area, both for the support they can offer teens transitioning to college and the cost savings they can offer. Students in the program take an additional year of high school that's a full college course load and then graduate from high school with up to 60 college credits, sometimes enough for a full associate degree. Along with the early college program, I took the small amount of savings we did have for her and opened a 529 education account. The catch is that all the money has to be used for educational purposes, but things such as trade school and school expenses qualify.
Persons: PELL, they've, I've, I'd Organizations: Service
Read previewMy vision in high school was to complete my college degree for free. I dedicated my time in high school to achieving my scholarship dreamIn my senior year in high school, I was selected for a full cost of attendance scholarship program. I did this all in the name of no student debt and a prestigious college experience. Related storiesHowever, I found that I had to give too much of myself to the scholarship program. I typically let feelings of guilt and obligation guide my decision-making, and I'm sure this affected my experiences in the scholarship program.
Persons: , I've, I'm Organizations: Service, Business, ACT
The thrice-yearly measure of labor activity, confidence and satisfaction reflected growing concern in July about job security and an increase in those expecting to work past typical retirement age. Similarly, those who expected to become unemployed rose to 4.4%, a 0.5 percentage point increase from a year ago and the highest in the survey's history. On wages, satisfaction with current compensation dropped to 56.7%, down more than 3 percentage points from the same period in 2023. Finally, the expected likelihood of working past age 62 nudged up to 48.3% of respondents and increased to 34.2% of those saying they expect to work past 67, an increase of more than 2 percentage points. Following their most recent meeting, Fed officials described job growth as having "moderated."
Organizations: New York Federal Reserve, Workers Locations: U.S, nonfarm
Scott M. Smith, 40, wasn't expecting student-loan forgiveness. Scott M. Smith, 40, received student-loan forgiveness through PSLF. AdvertisementThe freedom to go back to schoolFor Paul Smylie, 39, student-loan forgiveness means something else. Smylie's student-loan forgiveness is giving him the financial freedom to consider doing just that. In a rule first established under President Barack Obama, any student-loan borrower who can prove they are totally and permanently disabled is eligible for student-loan forgiveness.
Persons: Scott M, Smith, wasn't, — Smith, servicer, hadn't, , who's, PSLF, Joe Biden's, Millennials who've, Zers, millennials —, Gen Xers —, Paul Smylie, Smylie, Gen Xers, Chloe Moore, Financial Staples, Keenan Casey, CiCora Leigh, Leigh, Cicora Leigh, Barack Obama, Beverley —, Beverley, Grayson Hofferber, Hofferber, they'll, that's, someone's, Casey Organizations: Service, Public, Business, Education Department, Federal Reserve, SAVE, Appeals, Associated Press, Gallup, Lumina Foundation, millennials, Financial, Army, University of Mississippi, Veterans Affairs, BI, Millennial Wealth Management Locations: Mississippi, Beverley, forbearance, deferment
Chloé Johnson, 22, has been feeling hopeless lately. She’s struggling to focus on classes at her local community college in Dallas while also working full-time, making $18 an hour as a receptionist. Her car broke down, so the $500 that she had managed to save will now go toward a down payment for a used vehicle. “Right now it just feels, like, very suffocating to be in this position,” said Ms. Johnson, who was diagnosed last year with bipolar II disorder, depression and A.D.H.D. “I’m not getting anywhere or making any progress.”It’s an endless loop: Ms. Johnson’s mental health has worsened because of her financial difficulties and her financial problems have grown, partly because of the cost of mental health treatment but also because her disorders have made it more difficult to earn a college degree that could lead to a more lucrative job.
Persons: Chloé Johnson, She’s, , Johnson, “ I’m Locations: Dallas
Trump’s plan for blunting Harris’ momentum, some Democrats believe, could reprise elements of the 1988 presidential campaign that George H.W. “I think the Harris campaign has to be prepared for it.”The two sides are already hotly contesting the terrain of strength. Celinda Lake, a Democratic pollster who conducted surveys for Biden’s 2020 campaign, said his strength deficit to Trump had become a nearly insurmountable obstacle for his 2024 campaign. The surveys have also found a huge gender gap in the assessments of whether Harris and Trump are strong. Most important, voters have reached these initial assessments of Harris’ strength before Republicans have really begun their campaign to portray her as weak.
Persons: CNN — Kamala Harris, Donald Trump, Joe Biden, , Harris, Trump, , Democratic pollster Evan Roth Smith, “ Kamala Harris, , it’s, blunting Harris, George H.W, George H.W . Bush, Lee Atwater, Michael Dukakis, Tad Devine, Dukakis, , She’ll, ” Trump, ” Harris, Kamala Harris, Biden —, Biden, Nancy Pelosi, Nikki Haley, Marquette, “ Trump, Whit Ayres, Ayres, Harris blunts, ” Lake, “ Joe Biden, White, she’ll, MAGA, Devine, Republicans pilloried Dukakis, Willie Horton, Horton, Bush, ” Devine, ” Ayres, won’t, Roth Smith, , Hulk Hogan, Kid Rock, Dana White Organizations: CNN, White, Voters, Democratic, Massachusetts Gov, Trump, Fox News, Marquette Law School, Biden, Marquette Poll, CBS, New York Times, Gallup, Republican, Siena, Republicans, MAGA Inc, Politico, , Fighting Locations: George H.W ., Marquette, Siena, Michigan , Pennsylvania, Wisconsin, Celinda, Massachusetts, San Francisco, California, “ San Francisco
U.S. high school graduates looking for entry-level work might consider starting out at a company appearing on a new ranking from the American Opportunity Index. Released earlier this month, the list named 50 large companies as the best places for people with a high school diploma to launch their careers. The index scored companies based on three metrics: how likely they are to hire entry-level employees, promote them from within and set them up to land better-paying jobs when they leave. "We didn't see a whole lot out there for the 40% of high school graduates who aren't going off to post-secondary education immediately — most of whom have to find some sort of work," he continues. Rather than survey the companies, the index analyzed the career paths of around 5 million workers from 2018 until 2022 to make its assessment.
Persons: who've, Rajiv Chandrasekaran, aren't, Chandrasekaran Organizations: American, Schultz, Foundation, American Opportunity, Glass Institute, Harvard Business School, Walgreens, Financial Services, Gap Inc, Goodyear Tire, Starbucks Retailers, CNBC
WASHINGTON — In the heat of the 2024 campaign season, more than 400 first-time voters from across the country gathered here in July to discuss political issues and the upcoming election — but with a focus on being polite rather than being polarized. The gathering was a so-called deliberative poll where the participants were randomly selected to produce a representative sample of young voters from the entire nation. There have been past “America in One Room” studies of the general electorate, but this was the first to specifically examine first-time young voters. And the portion of young voters who opposed drilling in the Artic wilderness increased, from 72% before to 76% afterward. 'I see that point': Young voters gain more respect for differing viewsThe polling results also showed these young voters gaining more respect for differing viewpoints, with the share of participants saying their opponents had good reasons for their positions growing from 64% before the event to 71% afterward.
Persons: WASHINGTON —, Kendall Rene Martin, Tyler Kunkowski, Emily Criswell, Steven Dilts, it’s, , Henry Elkus, Helena, , ” Elkus, Donald Trump, Joe Biden’s, Steven, Tyler, ” Steven, shouldn’t, Emily, ” Tyler, ” Emily, Kendall, didn’t, James Fishkin Organizations: Stanford, Republican, America, Major League Baseball, Young, NBC News, Democrat, Locations: WASHINGTON, “ America, California, Florida, Tennessee, Alaska, United States, Paris, America, Kendall of California
Austin Urlaub, 23, Michigan Finishing his master's in social work amid booming demand from people seeking addiction treatment. Lives at home and earned a free ride to college, so his financial situation is stable. But the Michigan native is still the first in his family to go directly into social work. “But now, social workers are becoming in demand; every workplace now pretty much requires one. Living situation: Urlaub is living at home with his parents while he completes his master's.
Persons: Austin Urlaub, Urlaub, , you’re, ’ ”, It’s, I’m, He’s, , “ It’s, , it’s, there’s, Joe Biden, Donald Trump, ” Urlaub, Robert F, Kennedy Jr, it’ll, We’ve, Organizations: NBC, Michigan, GOP, CNN Locations: Michigan, , Detroit
This industry is defying America’s slowing job market
  + stars: | 2024-08-10 | by ( Bryan Mena | ) edition.cnn.com   time to read: +6 min
Enter America’s top job creator: The mighty health care industry. Demand for health care workers remains red hot, according to recent government data on job openings. In June, the health care and social assistance industry had the highest seasonally adjusted job openings rate of any industry, at 7.6%, well above the total rate across the job market of 5.5% that month. That has translated into fatter paychecks for health care workers compared to the general private sector. “Virtually every nurse or health care tech in the country has a job,” Girard said.
Persons: Washington CNN —, there’s, , Julia Pollak, ZipRecruiter’s, ” David Mafe, Mafe, it’s, “ We’ve, ” Mafe, “ We’re, Sebastien Girard, Girard, ” Girard, , Pollak, ” Pollak, “ She’s, She’s Organizations: Washington CNN, Employers, Labor Department, CNN, , Novant Health Locations: UCHealth, Denver, North Carolina, , California
I have six children between the ages of 5 and 11, and I've told them I won't pay for college except in very limited circumstances. I'm actively encouraging my kids to consider other options and how much ROI they'll get from college. One of the most interesting responses I've gotten from my kids is asking how they can make money now. Not paying for college might force them to be more financially responsible, but only if they choose — or try — to pay for college themselves. I want them to learn to be financially responsible and viable by earning money, with or without college.
Persons: , Bobby Kittleberger, I've, I'm, they've, They're, it's, I'd, We've, We'll, Lauryn Haas Organizations: Service, Business, Colleges, YouTube Locations: Staunton , Virginia, Virginia, lhaas@businessinsider.com
For some Americans, the American Dream has become more like a vision. That's according to a recent Pew Research Center survey, in which more than 8,700 U.S. adults were asked to describe their views of the American Dream. "The American Dream is changing, according to small-business owners," Fara Howard, GoDaddy's chief marketing officer, told CNBC Make It at the time. Thirty-one percent said they'd already achieved the American Dream, and 36% said they were on the right path toward it. "These views are nearly identical to when the Center last asked this question in 2022," the Pew report noted.
Persons: , it's, Raj Chetty, Chetty, Michael Sandel, GoDaddy, Fara Howard, Gen Z, Ted Rossman, they'd Organizations: Pew Research Center, CNBC, Harvard University, Harvard's Kennedy School of Government, Harvard Locations: U.S, homeownership
Read previewDavid Houde feels like he's made it — and he thinks it wouldn't have been possible without his college degree. By 2006, he'd earned an associate degree in computer information systems and a bachelor's degree in computer science. A college degree helped him eventually land a high salaryWhen he first enrolled in college, Houde didn't have any idea what he would major in. In 2016, about a decade after he graduated with his bachelor's degree, he decided to pursue an MBA. Have you found financial success without a college degree?
Persons: , David Houde, he's, it's, Houde, he'd, wasn't, I'm, hasn't Organizations: Service, Business, Pew Research Locations: Michigan, eureka
Miller lives on about $1,800 a month in Social Security income, according to documents viewed by Business Insider. AdvertisementSince she began receiving Social Security several years ago, Miller has been doing her best to live on a fixed income. She said she can afford most of the healthcare she needs through Medicare, the federal health insurance that's typically attached to Social Security. Are you living on a fixed Social Security income? How have you made the decision to enroll in Social Security early or late?
Persons: Ann Miller, Lizzy Rocket —, Miller, She's, , she's, that's, hasn't, There's, Lizzy, I've Organizations: Service, Business, Social Security, Survey, SNAP, Medicare Locations: Ellensburg , Washington, Seattle
Jackson, 37, is a technician at Vestas, a wind turbine manufacturer, in Bee County, Texas, and earns $73,000 per year. The Labor Department reports that wind turbine service technicians have one of the highest rates of injury and illness of all occupations. Here's how Jackson earns $73,000 a year as a wind turbine service technician in Texas. Mickey Todiwala | CNBC Make ItWhile you don't need a bachelor's degree to become a wind turbine service technician, some jobs might require you to complete a 2-year technical program or apprenticeship. "The wind turbines are smart, they're basically computers and constantly communicating to us what is going on with them."
Persons: Jessica Jackson, , Jackson, It's, Jackson's, Mickey Todiwala, Vestas, She's Organizations: CNBC, The Labor Department, University of Arizona, Blattner Energy, Blattner Locations: Jackson, Bee County , Texas, U.S, Texas, Vestas
Read previewI began my career in the financial services industry in 1985 in the warehouse at Fannie Mae Software Systems. I moved to the Bay Area and began my subsequent career in financial services. We couldn't recover before the Federal Reserve took us into receivership, making us the second-largest bank failure in history. The biggest problem was my homeWithout a full-time job, I could no longer afford the mortgage on my home in the Bay Area. Tony WoodallAfter Portugal, I joined friends in Medellín, Colombia, an inexpensive haven for digital nomads.
Persons: , Tony Woodall, Woodall, you'll, I'm, I've Organizations: Service, Fannie Mae Software Systems, Business, realtors, Bank, LinkedIn, Bay Area, First Republic, Federal Reserve, Social Security Locations: Fannie, Atlanta, San Francisco, Bay, Silicon, California, Camino de Santiago, Spain, Portugal, Portuguese, Colombia, Medellín, Germany
But prosecutors had no direct evidence tying Black to the location of the murder, an Ohio appellate court later said. In many cases, prosecutors themselves don't even have access to the source code and haven't reviewed the underlying technology. Back in Akron, the judge in Rankin's case ordered the Cybercheck evidence excluded after prosecutors failed to turn over the source code. The Summit County Prosecutor's Office declined to comment when reached by BI. It's unclear how many others may be behind bars because of Cybercheck evidence that was never rigorously scrutinized.
Persons: Adarus Black, Black, Na'Kia Crawford, Crawford, Adam Mosher, Mosher, Cybercheck, Chris Ramsey, It's, That's, Donald Malarcik, Summit County who've, Javion Rankin, Tyraye Carter, Rankin, Malarcik, Eric Zale, Zale, Mr, Shara Munn, she'd, Freiheit, Meghan, Breck, Roesch, weren't, They've, who's, isn't, Phillip Mendoza, Kimberly Thompson, Brian James, Tyree Halsell, Mendoza, Mosher's, Steve Michniak, Michinaik, William Holland, Brian Stano, Katherine Long, Jack Newsham Organizations: Business, NBC News, Cybercheck, Prosecutors, Police, Fleming College, Technicians, Akron Police Department, University of Saskatchewan, Summit, Prosecutor's, BI Locations: America, Akron , Ohio, Ohio, Colorado , New York, Florida, New York, Philadelphia, Houston, Denver, Akron, Summit County , Ohio, Canada, Toronto, Summit County, Boulder , Colorado, New Brunswick, Calgary, Colorado, Nevada, Pennsylvania, Colorado , Ohio, East Akron , Ohio, Summit, Portage County, Lake Erie
So what took Walz from, nationally speaking, a relative unknown to major-party vice presidential nominee? But is the Walz pick indicative of a campaign that is too online? After all, the Harris campaign has been riding a wave of good emotions since she became the presumptive Democratic nominee. One of the first rules when it comes to a vice presidential pick is to “Do no harm.” Harris likely did no harm with this pick. She seems to have momentum, and the Walz pick will probably do nothing to impede it.
Persons: Tim Walz hadn’t, Kamala Harris, Walz, Donald Trump, JD Vance, Vance, He’s, Harris, ” Harris, Joe Biden’s, Josh Shapiro, Shapiro, Walz’s, can’t, , Organizations: CNN, Minnesota Gov, Republican Party, Republican, Pennsylvania Gov, Democratic Party, Democratic, North Star State, Biden, White, Locations: Shapiro . Minnesota, Washington, . Pennsylvania, Pennsylvania, Minnesota
I wasn't prepared for the reality of my teaching salary or complicated nature of interest on student loans. I'm 35 now and have a long, winding history with my student debt, from income-driven repayment plans, to in-school deferments, to the SAVE plan, which an appeals court just blocked. And with the lawsuits and delays, my $150,000 of worth of debt in private and federal loans is now in limbo. AdvertisementThe lawsuits feel political to me, but I just don't see why politicians are interested in hindering my ability to survive. The election looms before me, with my financial future depending on who occupies the White House and how they feel about student debt.
Persons: Shanna Hayes, I'd, wasn't, I've, deferments, , it's Organizations: Service, New England College, SAVE, House Locations: New York, New Hampshire
Chelsea Norstedt left Penn State University in 2014 just two semesters shy of finishing her bachelor's degree in criminology. As she explored different career paths, she had a similar figure in mind. College graduates on average earn more than those without a four-year degree — but this so-called college wage premium is shrinking. Now, bachelor's degree holders earn about 75% more over their career than those without. At the same time, Norstedt monitored listings on job sites like LinkedIn and Indeed for any higher-paying office roles that did not explicitly require a college degree.
Persons: Chelsea Norstedt, Norstedt, Beth, Norstedt's Organizations: Penn State University, Chelsea, CNBC, College, San Francisco Federal Reserve, Penn State, Verizon Locations: Erie , Pennsylvania, Erie, Miami , Florida, Altoona , Pennsylvania, Miami, Pennsylvania, Florida, Norstedt
But the job market is not as hot as it used to be, and younger applicants, with or without college degrees, are feeling the pinch. Hiring projections for this year’s college graduating class are below last year’s, and the downturn is particularly notable in fields like finance, insurance, marketing and real estate. I cover economics at The New York Times, and I would like to hear from recent college graduates and other young job seekers, as well as hiring managers, about what the job market has looked like to them this year. And we won’t share your contact information outside the Times newsroom. If you prefer to share tips or thoughts confidentially, you can do so here.
Persons: We’ll Organizations: The New York Times, Times
Boeing names new CEO after losses more than triple
  + stars: | 2024-07-31 | by ( Chris Isidore | ) edition.cnn.com   time to read: +5 min
Boeing announced Robert “Kelly” Ortberg, the former CEO of supplier Rockwell Collins, will be its new CEO, effective August 8, replacing retiring Boeing CEO Dave Calhoun, who has been under fire for the company’s problems. Serious problems to solveOrtberg will have his hands full fixing the problems at Boeing, which has not posted a profitable year since 2019. It recently agreed to plead guilty to charges that its employees defrauded the Federal Aviation Administration during the original certification process for the 737 Max. The company has come under renewed scrutiny since a 737 Max plane’s door plug blew off shortly after takeoff in January. But that will keep the losses building at Boeing as it can’t make money at its current level of production.
Persons: Robert “ Kelly ” Ortberg, Rockwell Collins, Dave Calhoun, Ortberg, I’m, , ” Ortberg, Dennis Muilenburg, “ Kelly, Steven Mollenkopf, ” Rockwell Collins, Max Organizations: New, New York CNN, Boeing, Texas Instruments, United Technologies, Collins Aerospace, Federal Aviation Administration, FAA, Air Force Locations: New York
So we don’t know what specifically will happen in the next 100 days until Election Day on November 5, or what could come after, when the country’s unique Electoral College process gets going. December: Electoral votes are castAfter questions about the election are settled, states confirm, or ascertain, their statewide results. Electors gather in their respective state capitols to cast electoral votes for their statewide winner. Nebraska and Maine also allocate some electoral votes by congressional district, and these could be pivotal in a close race. In any event, lawmakers gather on January 6, as everyone should remember from 2020, to count electoral votes.
Persons: CNN —, Joe Biden’s, Kamala Harris, Donald Trump, Harris, Jeff Zeleny, Sen, JD Vance, Trump’s, He’d, Biden, Vance, Trump, Maya Rudolph, Harris –, isn’t Organizations: CNN, Democratic Party, Biden, Democrats, Republican, Trump, ABC News, ABC, Fox News, Supreme, that’s, Electors, Nebraska, Electoral College, Electoral Locations: Chicago, Harris, North Carolina, Arizona, Georgia, Michigan, Pennsylvania, Wisconsin, Maine
Every year, nearly 10,000 electricians either retire or change careers, but only about 7,000 new ones enter the field. "We're benefitting from a generation that's looking past high school and is not seeing a career going through the traditional four-year college pathway. Contributing to that shift are high school guidance counselors like Steve Schneider, who has advised students for 28 years, currently at Sheboygan South High School in Wisconsin. It offers high school students hands-on training alongside workers from local companies, introducing them to skilled trades and other occupations, which can lead to an apprenticeship after graduation. Among LATTC's 12,000 students, 4,600 are currently enrolled in electrician training, he said, adding that tuition is around $1,000 a year.
Persons: , David Long, They're, Adrian Sauceda, We've, Sauceda, Thayer Long, IEC's Thayer Long, Steve Schneider, Schneider, Kohler, NECA's David Long, Bill Elarton, Selig, Alan Marzullo, Marzullo, NECA's Long Organizations: Bureau of Labor Statistics, BLS, National Electrical Contractors Association, International Brotherhood of Electrical Workers, Independent Electrical Contractors, IEC, Sheboygan South High School, Rockline Industries, Inspire Wisconsin, NECA, Electrical Training Alliance, Department of Labor, Los Angeles Trade, Technical College, Syracuse University's College of Professional Studies, Consortium, Micron Technology, Local, Micron Locations: U.S, Wisconsin, Sheboygan, America, Clay , New York
Opinion | How Kamala Harris Can Win
  + stars: | 2024-07-27 | by ( Michael J. Sandel | ) www.nytimes.com   time to read: +2 min
Kamala Harris has a lot to do in a short time — build a team, choose a running mate, introduce herself to the country. Over the past week, Ms. Harris has been campaigning on protecting democracy, the rule of law and reproductive freedom from another four years of Donald Trump. She relishes reminding voters of Mr. Trump’s status as a felon. “So hear me when I say: I know Donald Trump’s type.”But standing up to Mr. Trump and defending reproductive rights is not enough. Delivering this message may not come naturally to her as a former senator from California, and Mr. Trump has wasted no time attempting to brand her a “radical-left lunatic."
Persons: Kamala Harris, Harris, Donald Trump, , Donald Trump’s, Trump, aren’t, MAGA Organizations: Democratic Party Locations: Milwaukee, California
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