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☆ I make 6 figures as a hospital pharmacist. Here's why it's a great career, and my advice to anyone who wants to pursue it.
▼ + stars: | 2023-02-02 | by ( Gabrielle Reeder | ) www.businessinsider.com time to read: +8 min

Her hospital and pharmacy is open 24/7, and she works 8-hour shifts including Sundays at times. Rummana said the job is always fast-paced, but she's grateful and loves being a hospital pharmacist. I started working at CVS and then transitioned into hospital pharmacy at St. Joseph's Wayne Hospital in Wayne, New Jersey. I started working at Hackensack in January 2021 as a hospital pharmacist, and I make $71.60 an hour. Seeing people leave the hospital and lead happier, healthier lives can be translated into a career as a pharmacist.

The Biden administration has proposed changes that could dramatically lower monthly student loan payments. The plan calculates monthly payments based on a borrower's discretionary income. Insider's Featured Student Loan Refinance Companies SoFi Student Loan RefinancingSplash Financial Student Loan RefinancingEarnest Student Loan Refinancing Chevron icon It indicates an expandable section or menu, or sometimes previous / next navigation options. APR Variable: 4.49% - 8.99%, Fixed: 4.49% - 8.99% Editor's Rating 4.5/5 A five pointed star A five pointed star A five pointed star A five pointed star A five pointed star APR Variable: 3.99% - 8.99% with AutoPay, Fixed: 4.39% - 8.99% with AutoPay Editor's Rating 3.5/5 A five pointed star A five pointed star A five pointed star A five pointed star A five pointed star APR Actual rate and available repayment terms will vary based on your income. According to the Education Data Initiative, half of student loan borrowers still owe $20,000 each on outstanding loan balances after 20 years of entering school.

☆ Tech's ultimate nepo babies: Meet the Drapers, the first family of Silicon Valley
▼ + stars: | 2023-01-23 | by ( Sindhu Sundar | ) www.businessinsider.com time to read: +10 min

The billionaire Tim Draper is part of a lineage often lauded as Silicon Valley's premier VC family. As far as powerful professional networks go, it's hard to top the Draper family tree. Draper's venture-capital career began in the 1950s at his father's own trailblazing firm, Draper, Gaither, and Anderson, an early entrant in a new field. Meet the Draper family, the ultimate tech nepo babies and Silicon Valley royalty. Jesse DraperJesse Draper founded Halogen Ventures, which counts her father as an advisor.

☆ What student-loan borrowers should know about Biden's new debt relief proposals — and why advocates argue they're not enough
▼ + stars: | 2023-01-16 | by ( Ayelet Sheffey | ) www.businessinsider.com time to read: +7 min

Biden proposed reforms to income-driven repayment plans for student-loan borrowers. "Today the Biden-Harris administration is proposing historic changes that would make student loan repayment more affordable and manageable than ever before," Education Secretary Miguel Cardona said in a statement. Here's what you need to know about these proposed reforms, and why some advocates are still pushing for further relief. This revision mean that the department will also be phasing out other versions of income-driven repayment plans. If you have a federal graduate or undergraduate student loan, who will be eligible for these reforms.

☆ Wall Street internship checklist: How to land a competitive 2024 summer job in investment banking, trading, or asset management
▼ + stars: | 2023-01-04 | by ( Reed Alexander | Emmalyse Brownstein | ) www.businessinsider.com time to read: +2 min

Summer internships at Wall Street banks are among the most sought-after undergrad opportunities. If you're a college sophomore who's even remotely interested in working on Wall Street one day, then listen up. The 2024 summer internship season is starting now — from JPMorgan to RBC. Check out our robust Wall Street internship coverage here — and, if you're in the running for an internship for next summer, get in touch with this reporter to share your story. Insider's Wall Street reporter Emmalyse Brownstein can be reached via email at ebrownstein@insider.com, or SMS/the encrypted app Signal at (305) 857-5516.

The average 10-year fixed student loan rate for borrowers with credit scores below 680 is 7.75%. Federal student loan rates for the 2023-24 school year have risen by the widest margin in about two decades. While private student loan rates aren't directly affected by federal rates, they may also go up because they don't have to stay as low to remain competitive with federal ones. Insider's Featured Student Loan Refinance Companies SoFi Student Loan RefinancingSplash Financial Student Loan RefinancingEarnest Student Loan Refinancing Chevron icon It indicates an expandable section or menu, or sometimes previous / next navigation options. For instance, you won't qualify for the COVID-19-related student loan payment pause, currently in place through the end of August 2023, and federal student loan relief programs like Public Service Loan Forgiveness.

☆ I moved twice for my spouse's career — then we got divorced. Here's what the experience taught me.
▼ + stars: | 2022-12-27 | by ( Laura Wheatman Hill | ) www.businessinsider.com time to read: +5 min

Laura Wheatman Hill was relieved the first time she had to move for her husband's career. Once in Philadelphia, Wheatman Hill found a satisfying job, but had to give it up to move again. Now that she and her husband are divorced, Wheatman Hill said she'd do things differently. I worked hard for years in a career that didn't pay well or appreciate me. I love my kids, and I'm rebuilding my career — still teaching sometimes, but mostly writing from my home in Oregon.

☆ Stephen ‘tWitch’ Boss, high-functioning depression and why ‘checking in’ isn’t enough
▼ + stars: | 2022-12-21 | by ( Https | Media-Cldnry.S-Nbcnews.Com Image Upload Newscms Randi-Richardson-Byline-Jm.Jpg | Randi Richardson | ) www.nbcnews.com time to read: +12 min

High-functioning depression is a colloquial term and not a technical clinical diagnosis, explains Rheeda Walker, Ph.D., psychologist and leading researcher on suicide in the Black community. Persistent depressive disorder is another official diagnosis that, for some patients, may include high-functioning depression, Walker says. But she also stresses that because high-functioning depression is not a technical diagnosis, she’s hesitant to say they’re the same. But a 2021 study indicates the Black suicide rate is likely higher than documented because the manner of death is often misclassified. If you’re concerned about a loved one attempting suicide, Walker notes that anxiety is “as strong a predictor” as depression.

☆ This CEO was Jay-Z’s lawyer for 17 years—her best advice for women at work: 'Always try to get to the top'
▼ + stars: | 2022-12-21 | by ( Gili Malinsky | ) www.cnbc.com time to read: +2 min

Jennifer Justice, CEO of legal and startup services company the Justice Department, did not come from a family of high-powered CEOs herself. Justice ended up becoming rapper Jay-Z's lawyer in 1998 and representing him for 17 years. "That's really where my passion for representing women came from," she says. She preferred not to share her age as she's seen that kind of openness hurt women in business in the past. As someone who's represented people at various levels of the corporate ladder, Justice has a wealth of knowledge about work.

☆ How to earn more money and increase your income through side hustles, according to 5 early retirees and entrepreneurs who have done it
▼ + stars: | 2022-12-10 | by ( Kathleen Elkins | ) www.businessinsider.com time to read: +9 min

Insider spoke with entrepreneurs and early retirees about the lucrative side hustles they started. Below, Insider rounded up various side-hustle ideas from entrepreneurs and early retirees who found ways to diversify their income. Shan Shan Fu started selling face masks on Amazon and turned it into a robust e-commerce businessShan Shan Fu sells socks and tights (including the ones pictured) online. Courtesy of Shan Shan FuWhen the Covid-19 pandemic sent the US under lockdown in the spring of 2020, Shan Shan Fu had a lot of free time after work. She launched her e-commerce company, Millennials In Motion, in April 2020 and immediately started making money.

Cassaundra Brownell, a self-described “serial entrepreneur” from Maryland, was relieved when she found the Justis Connection, a company that links potential clients with Black attorneys. Her case illuminates a point Black lawyers and advocates have been making for some time: Black clients feel that they receive heightened support and more favorable results from Black lawyers than with non-Black legal aid. And unlike Black lawyer associations like the National Conference of Black Lawyers and The National Black Lawyers, which some have relied on to find Black legal representatives in their cities, the Justis Connection specifically works on making those client-attorney connections. “And the thing about a Black attorney is that he or she would be much more relatable to Black clients,” Davidson said. But it’s probably not going to be the same.”However, even with connections being made, a significant problem still exists: There are not enough Black attorneys to address the needs of Black clients.

☆ A Harvard Business School grad who now works at Google shares how she got into the top MBA program
▼ + stars: | 2022-12-07 | by ( Brina Patel | ) www.businessinsider.com time to read: +10 min

Olivia Melendez graduated from Harvard Business School in May and is a product manager at Google. Plus, I had always heard that MBA programs prefer that candidates have three to four years of work experience before starting a full-time program," Melendez said. In addition to HBS, she applied to several other top-tier programs, including the Stanford Graduate School of Business, Wharton Business School, and Kellogg School of Management, all of which she was admitted to. Melendez said she used the admissions essay as a chance to tie together pieces of her background that needed additional context. For anyone struggling with the admission essay, Melendez recommended an exercise she learned at MLT.

☆ Ron DeSantis is releasing his first autobiography, in a key sign he's exploring a White House run
▼ + stars: | 2022-11-30 | by ( Kimberly Leonard | ) www.businessinsider.com time to read: +5 min

Ron DeSantis has a book coming out on February 28. Ron DeSantis of Florida has an autobiography coming out early next year, in the surest sign yet that he's considering a presidential run. Throughout these experiences, the publisher writes of the forthcoming book, "Ron DeSantis learned the same lesson: He didn't want to be part of the leftist elite." Ron DeSantis. That book's publisher was High-Pitched Hum Publishing in Jacksonville, Florida, a cooperative publisher known as a "vanity press" in literary circles.

The increase in college tuition and predatory lending have created a situation where, unless you’re fortunate to get a full-ride scholarship or come from a lot of money, students are vulnerable. Though Biden’s debt relief focused on federal student loans, there have been problems with private lenders as well, including the suit against student loan giant Navient. Research has shown that student loans increase access to financing and add to student diversity, which is great, but data also shows that women and people of color are disproportionately more likely to have debt. Student debt relief is one way to let people be people, first and foremost, and loanees second. But we need to do these things because we choose to and not because our college system is broken.

☆ I left a top-floor job at Goldman Sachs for a tiny self-driving-car startup. Here's how I shook off the 'golden handcuffs' to land my dream job.
▼ + stars: | 2022-11-12 | by ( Alexa St. John | ) www.businessinsider.com time to read: +8 min

Kulkarni, a former Goldman Sachs investment associate, pivoted to a self-driving-tech startup. He started his career as an investment analyst and has a background in systems science and engineering and finance. As a third-year analyst at Goldman, I felt like that was the perfect time to take that leap of faith. And the whole idea of a boot camp is that it focuses on developing true functional skills to immediately join a startup. The first startup I joined wasn't the right cultural fitI definitely had a moment where I said: What?

33-year-old nonprofit worker Micah H. paid off six figures of student loans in 13 years. She started paying them off while she was in college, then continued for the next several years. Insider's Featured Student Loan Refinance Companies SoFi Student Loan RefinancingSplash Financial Student Loan RefinancingEarnest Student Loan Refinancing Chevron icon It indicates an expandable section or menu, or sometimes previous / next navigation options. Micah used the money she was saving on eating out to pay off her student loan debt faster. Once her housing costs were down from $1,600 to $750, she was able to put the $850 savings each month toward her student loans.

Refinancing your federal student loans with a private lender makes you ineligible for the Public Service Loan Forgiveness program. You will also lose access to income-driven repayment plans and economic hardship forbearance by refinancing your federal student loans. There are three reasons she decided to skip PSLF altogether and pay off her student loans on her own. Micah didn't want to go through 10 years of service and paperwork just to be denied at the end. She waited to finish paying off her undergraduate student loans before going to grad school at Columbia.

☆ 12 queer icons to channel this Halloween
▼ + stars: | 2022-10-25 | by ( Ellie Rudy | ) www.nbcnews.com time to read: +10 min

Without further ado, here is a selection of queer icons and pop culture favorites — in no particular order — whom you can channel for Halloween (a.k.a. For a relatively stress-free Halloween ensemble, throw on a tux, top hat, a pocket square and some fierce red lipstick. To channel Ms. Kahlo this Halloween, you’ll need her signature unibrow (eyeliner or an eyebrow pencil should do the trick), a flower crown, red lipstick, a colorful blouse and a floor-length skirt. For this costume, you’ll need a fedora, a (preferably pastel) dress shirt, a tie matching the hat and, if you’re really feeling the fantasy, a color-coordinated sweater vest. If you dress up as any of these queer icons and pop culture favorites for Halloween, tag @NBCOut on Twitter or Instagram in a costume photo!

☆ I left a 6-figure law job due to depression. I always feared being a 'quitter' — but now I don't regret it.
▼ + stars: | 2022-09-26 | by ( Fortesa Latifi | ) www.businessinsider.com time to read: +5 min

Henna Choi, 28, left a high-paying job as a lawyer to pursue making TikTok videos. What I didn't know was that I would leave that job after just two years. In undergrad, I double-majored in women and gender studies and equity studies, with a focus on race and disability. Now that I'm on a break from my job, I'm freaking outThis is the first time in my adult life I've had this much unstructured time for myself. I share videos of my everyday life as a self-described "depressed lawyer," and I have more than 470,000 followers now.

☆ I dropped out of law school after only 2 semesters. People thought I was crazy, but it was the best move for my career and mental health.
▼ + stars: | 2022-08-11 | by ( Elle Hardy | ) www.businessinsider.com time to read: +7 min

Meagan Turner, 29, dropped out of law school after two semesters because she wasn't enjoying it. So I enrolled in law school at Georgia State University in 2017. Nobody I knew had ever been to law school apart from my bosses, who all had become lawyers because their parents were. But from the start, I loved everything about it — whereas I hadn't liked most things about law school. When I told family and friends that I'd dropped out of law school, a lot of them said that I was crazy.

☆ After 10 rejections, here's the résumé that finally got me into Google without a background in tech
▼ + stars: | 2022-07-26 | by ( Tennessee Watt | ) www.businessinsider.com time to read: +10 min

She applied over 10 times before finally getting in and says tweaking her résumé to focus on transferable skills made all the difference. I finally landed my dream job just four years out of undergrad as a product marketer at Google, all without a tech background. Optimize your résumé using the X-Y-Z formatMy first step was to improve my résumé to meet Google's standards. Once I knew I wanted a product or brand marketing role in tech, I was able to network even more strategically in niche groups. Tennessee Watt is a marketing manager at Google and a diversity, equity and inclusion consultant at Tennessee Watt Consulting.

☆ I run a 6-figure company that uses TikTok and Pinterest to generate sales. Here's how I started it as a side hustle.
▼ + stars: | 2022-06-15 | by ( Perri Ormont Blumberg | ) www.businessinsider.com time to read: +8 min

Abha Chiyedan is the founder of The Werk Life, a digital-media company she started as a side hustle. The Werk Life had zero followers, and I set a lofty goal of getting to 1,000 followers in three weeks. Building out my own line of products and services for The Werk Life has been my main focus. Pinterest was one of the first social accounts I started for The Werk Life. Did you leave a corporate job to become an entrepreneur or run a successful TikTok business or account?

The US Department of Education suggests students accept aid in the following order: grants and scholarships, work-study programs, subsidized federal loans, unsubsidized federal loans. With that rule in mind, here are the four types of financial aid, ranked from most to least desirable:1. Subsidized federal student loanOnly after accepting any free and earned financial aid should a student consider taking on federal student loans, which generally come in two varieties: subsidized and unsubsidized. Unsubsidized federal student loanBy contrast, unsubsidized federal student loans do accrue interest while the student is in school, beginning from the very first disbursement. Before turning to private loans, make sure you've exhausted all federal sources of financial aid.

☆ There are 7 self-made billionaires under 30 on Forbes' billionaires list this year, and more than half of them are Stanford dropouts
▼ + stars: | 2022-04-06 | by ( Marielle Descalsota | ) www.businessinsider.com time to read: +3 min

Seven self-made billionaires under the age of 30 were named in Forbes' World's Billionaires List this year. Seven self-made individuals under the age of 30 were named in Forbes' World's Billionaires List this year. Brazilian-born corporate credit-card startup founders Pedro Franceschi, 25, and Henrique Dubugras, 26, are the world's youngest self-made billionaires named in Forbes' list this year. Two Stanford alumni also made this year's list of self-made billionaires under 30. Stanford University is located in Stanford, California, just a few miles from Palo Alto.

☆ Black women in the legal world celebrate Ketanji Brown Jackson's historic Supreme Court nomination as a 'victory' for all Americans
▼ + stars: | 2022-03-03 | by ( Oma Seddiq | ) www.businessinsider.com time to read: +13 min

The two were enrolled in the same classes, both members of the Black Law Students Association, and lived in the same dormitory building. Black women in the legal world celebrated Jackson's Supreme Court nomination, a milestone that they said marks significant progress for their representation in the legal field, but also for the country as a whole. Installing judges of diverse backgrounds can better ensure the legal system is working equitably for all Americans, Black women in the legal field told Insider. "Now when I tell her, 'You could be a Supreme Court justice,' she can look at the Supreme Court and think, 'Yes, I could, there's someone there who looks like me.'" MoveOnORG activists call for the immediate confirmation of Judge Ketanji Brown Jackson for the Supreme Court on February 25.

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