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☆ A 28-year-old who says he puts away 100% of his salary and lives off of side-hustle income breaks down how he saves — and why he keeps most of his savings accessible in a high-yield account
▼ + stars: | 2023-03-23 | by ( Kathleen Elkins | ) www.businessinsider.com time to read: +5 min

He puts most of his savings in a high-yield account so it's highly accessible. "I'm 100% financially free for what my current lifestyle is from all the rental income that I get," the 28-year-old real estate investor told Insider. Recently, he started dipping his toe into the short-term vacation rental market. Since he's actively looking to buy more real estate, he likes to keep his savings highly accessible, which is why he chooses to put the majority of his money in a high-yield savings account. Some high-yield accounts are offering rates as high as 5.02% (UFB Preferred Savings), 4.45% (Bask Bank Interest Savings Account), and 4.35% (Primis Savings Account and MySavingsDirect Savings Account).

☆ A laid-off Twitter manager, who was one of Elon Musk's most loyal employees, tweeted 'cruelty is the worst' in an apparent dig at the tech mogul
▼ + stars: | 2023-03-08 | by ( Grace Dean | ) www.businessinsider.com time to read: +2 min

Ex-Twitter manager Esther Crawford tweeted "cruelty is the worst" in an apparent dig at Elon Musk. She was seen as one of Musk's most loyal workers. Musk had publicly clashed with Haraldur Thorleifsson, a former Twitter director, on Monday. After Thorleifsson tweeted that he was unsure of his employment status, noting that he had been locked out of company systems, Musk accused him of using his disability as an "excuse" to do "no actual work." Crawford tweeted on Tuesday that "cruelty is the worst," without providing further context.

☆ Slack messages are all about the emojis — here are the 10 emojis that Slack employees use the most themselves
▼ + stars: | 2023-03-06 | by ( Lakshmi Varanasi | ) www.businessinsider.com time to read: +2 min

Slack employees have created so many custom emojis that the company's own library has over 50,000. Still, Slack employees often gravitate towards the same emojis. "We love emojis," Slack's senior director of product management, Olivia Grace, told Insider. While Slack's standard library offers 1,850 emojis, the platform also allows users to upload pictures to create custom emojis. Still, Slack employees gravitate towards a small handful of these emojis over and over again.

☆ Apple's advertising business is expanding into new areas this year such as TV. Here are 14 behind-the-scenes Apple executives building its advertising empire.
▼ + stars: | 2023-03-03 | by ( Lara O'Reilly | ) www.businessinsider.com time to read: +11 min

Right now its roughly $5 billion-in-revenue ads business largely consists of search ads sold within the App Store. We asked more than a dozen advertising industry insiders and former Apple advertising staffers to identify the most important executives building Apple's advertising business. Teresi's ascent coincides with the explosive growth of Apple's ad business in recent years. A former Yahoo and Quantcast staffer, Crawford first joined Apple in 2011 to work on global operations for iAd. Lauren Fry - Apple TV+ ad salesApple hired Fry, a TV and video ad sales veteran, in February this year, The Information reported.

☆ The Twitter leaders Elon Musk put in place keep quitting or getting fired. See who's left and who's recently been hired, including engineers from Google's DeepMind and a Tesla superfan.
▼ + stars: | 2023-03-03 | by ( Kali Hays | ) www.businessinsider.com time to read: +6 min

About half of the 20 people who reported to Elon Musk after his takeover have left Twitter. Musk has hired some new people, including engineers who may be working on an AI project. Elon Musk's Twitter is ruled by chaos. None have been directly replaced, the people familiar said, although Musk has also hired some new people from outside his companies. Below is a complete list of who Musk set as his direct reports, including those who have already left the company.

☆ I've helped hundreds of people land 6-figure salaries. These 5 job interview phrases got them hired 'on the spot'
▼ + stars: | 2023-03-01 | by ( Natalie Fisher | ) www.cnbc.com time to read: +3 min

Example: Don't say: "I'm an excellent communicator." What to say instead: "In the past, I've been noticed for getting team members to communicate more efficiently. Example: Don't say: "I'm good in a crisis." Example: Don't say: "People feel comfortable around me." What to say instead: "I've developed a reputation of being a great boss, thanks to my collaboration skills.

☆ Tesla may be losing EV market share — but it's still winning over converts from other brands
▼ + stars: | 2023-02-28 | by ( Alexa St. John | ) www.businessinsider.com time to read: +3 min

Tesla trumped all other automakers in terms of overall brand loyalty in a recent study. Tesla also won segment model loyalty awards, including luxury small utility for the Model Y, and luxury small car, for the Model 3. Tesla's success in 2022 was largely driven by inventory challenges among the traditional automakers, Tesla customers returning to market faster than the average buyer of other brands, and its many advantages as the EV market front-runner. Still, that might only go so far as Tesla loses EV market share. Tesla held 65.4% of the EV market in 2022, according to Experian.

☆ A laid-off Twitter exec who went viral for sleeping on the office floor says people who are afraid of being 'dunked on' should stay 'small and invisible'
▼ + stars: | 2023-02-28 | by ( Grace Dean | ) www.businessinsider.com time to read: +4 min

A laid-off Twitter exec said people who are afraid of criticism should stay "small and invisible." Esther Crawford had become known for her commitment to Elon Musk's "Twitter 2.0." During her time at Twitter, Crawford was seen as an embodiment of Musk's "hardcore" work culture. "If you can't take being publicly dunked on then be sure to avoid taking any risks and stay away from all leadership roles," Crawford tweeted. Stay small and invisible and most of all, be silent and afraid of what others think."

☆ Twitter employees' Google Chat service was disabled without explanation before the new round of layoffs, report says
▼ + stars: | 2023-02-28 | by ( Beatrice Nolan | ) www.businessinsider.com time to read: +2 min

The Google Chat service used by Twitter staff was disabled last week, The Verge reported. Musk reportedly cut at least 200 Twitter employees including multiple engineers, product team members, and director of product management Esther Crawford. Platformer's Zoë Schiffer tweeted on Monday that Twitter was bringing its Slack service back but old channels were being archived. During previous layoffs, Twitter workers flooded Slack with farewell messages. Twitter's total headcount is estimated to be below 2,000, down from 7,500 before Musk took over, The Verge reported citing current and former employees.

☆ 4 senior Twitter managers were previously on a 'do not fire' list, but they were fired anyway, report says
▼ + stars: | 2023-02-28 | by ( Kate Duffy | ) www.businessinsider.com time to read: +2 min

Elon Musk fired four Twitter managers who were previously on a "do not fire" list, per Platformer. The managers, including Esther Crawford, worked at Twitter for just over two years, per LinkedIn. Twitter fired the four senior staffers over the weekend, the report said. The layoffs impacted a range of roles, including product managers, data scientists, and engineers, per Platformer. After the news broke about her job cut, Crawford tweeted that had no regrets about going "all-in on Twitter 2.0."

☆ The boss of Elon Musk's Boring Company called Twitter managers to ask about employee performance just days before 200 people were laid off, report says
▼ + stars: | 2023-02-28 | by ( Sawdah Bhaimiya | ) www.businessinsider.com time to read: +3 min

The Boring Company's boss called Twitter managers last week to ask about staff performance, Platformer reports. Twitter then cut at least 200 employees on Saturday night, including four high-ranking managers. Davis is a longstanding ally of Twitter owner Elon Musk, and has helped cut costs since his takeover. Steve Davis, a long-term associate of Musk, has been working with Twitter for the past few months to help cut costs at Musk's request. These managers later learned on Saturday that at least 200 employees were being laid off, including product managers, data scientists, and engineers.

☆ Googlers are begrudgingly testing Bard and making memes out of their new task.
▼ + stars: | 2023-02-27 | by ( Diamond Naga Siu | ) www.businessinsider.com time to read: +5 min

Since it's a tough time in the tech industry right now, I hope this resonates with some of you, too. Thomas Maxwell/InsiderGooglers are begrudgingly testing their company's ChatGPT competitor. CEO Sundar Pichai asked every employee to spend multiple hours testing Google's new chatbot Bard. They were tasked with improving Bard by asking it questions and flagging bad answers, in addition to their normal responsibilities. Some made memes from the conversations they've had with Bard, continuing a trend of internally mocking the chatbot.

☆ One of Elon Musk's most loyal employees was fired at Twitter. Here's how she went from surviving layoffs to the chopping block in the span of a few months.
▼ + stars: | 2023-02-27 | by ( Hannah Getahun | ) www.businessinsider.com time to read: +4 min

Crawford spent over two years at Twitter, according to her LinkedIn, working on projects like Twitter Blue and Spaces. Insider's Kali Hays first reported in January that 50 people on Twitter's product team were set to be let go. Following the first round of layoffs in November, The Verge reported Crawford told employees at Twitter that mass firings were "required" for Twitter to survive, which distanced herself from her colleagues. Unnamed employees at Twitter acknowledged this prominence in the FT report, saying she and Musk began working closely following the takeover. "She has become a bit of an interpreter between Elon and the product team," one senior staffer told FT.

☆ A Twitter manager seen as embodying Elon Musk's 'hardcore' work culture was reportedly laid off. She says she has no regrets going 'all-in on Twitter 2.0.'
▼ + stars: | 2023-02-27 | by ( Grace Dean | ) www.businessinsider.com time to read: +3 min

Crawford, a Twitter manager seen as embodying Musk's "hardcore" work culture, has reportedly since been laid off. "The worst take you could have from watching me go all-in on Twitter 2.0 is that my optimism or hard work was a mistake," Crawford tweeted Sunday. Crawford, a director of product management, was seen as embodying Twitter owner Elon Musk's "hardcore" work culture. Crawford reportedly defended Musk's initial mass layoffs that led to thousands of the company's workers losing their jobs. Another said: "All your hard work is reflected in the quality of the current Twitter user experience," apparently referencing recent issues with the site.

☆ Meta's and Twitter's subscription plans show they care more about money than free speech
▼ + stars: | 2023-02-20 | by ( Hasan Chowdhury | ) www.businessinsider.com time to read: +6 min

On Sunday, Mark Zuckerberg – still stinging from his botched metaverse launch – unveiled Meta Verified, a new subscription service costing $12 on web and $15 on iOS and Android. The timing of the launches of Meta's and Twitter's subscription services seems to be no coincidence, then: They're introducing paid-for services at a time when they're being squeezed of digital ad revenue. Meta says its new subscription service is primarily for content creators, but this feels disingenuous because everyone on its service is, in effect, a "content creator." Charging for it illustrates a clear misunderstanding Zuckerberg has of Facebook and its users: Facebook is responsible for vetting who gets access to its platform, not users themselves. Just 0.2% of Twitter users in the US had signed up for Twitter Blue, Musk's subscription service, by the end of January.

☆ Here's what's next for income ETFs after yields surged last year
▼ + stars: | 2023-02-16 | by ( Jesse Pound | ) www.cnbc.com time to read: +4 min

International income One area where investors may look next for income is the international market, which has outperformed the U.S. in the opening weeks of 2023. Both Amplify and Schwab offer international versions of their yield funds — Amplify International Enhanced Dividend Income ETF (IDVO) and Schwab International Dividend Equity ETF (SCHY). Fixed income funds Another area that could pay off for investors is fixed income. "This is a once in many, many year opportunity to de-risk, rebalance, get back into fixed income," said Stephen Laipply, US Head of iShares Fixed Income ETFs. The fixed income ETF market is much smaller than the equity ETF market, and 2023 could see a continued growth in new categories.

☆ Elon Musk's Twitter ordered by officials to properly label bedrooms in San Francisco HQ as sleeping areas — or convert them back to offices within 15 days
▼ + stars: | 2023-02-03 | by ( Kate Duffy | Sam Tabahriti | ) www.businessinsider.com time to read: +3 min

San Francisco told Twitter to label converted bedrooms as sleeping areas, per a correction notice. If it doesn't comply, Twitter has 15 days to convert the bedrooms back to offices in its HQ. Officials launched an investigation in December into Twitter's office bedrooms. Patrick Hannan, the Building Inspection Department's communications director, confirmed to Insider in December it was investigating reports that Twitter had converted some office rooms into sleeping areas in its HQ. A former Twitter employee told BBC News that Musk had often slept in Twitter's offices since taking over the company.

☆ A senior director at LinkedIn shares 3 tips for job searching right now — and how to DM someone who has the job you want
▼ + stars: | 2023-02-01 | by ( Monica Lewis | ) www.businessinsider.com time to read: +4 min

Monica Lewis is the senior director of product management at LinkedIn. Despite a downturn in many industries, she says job opportunities are still out there. Her job-search advice is to get specific with what you're looking for and firm up your skill set. Figure out what you want and whyThe clearer you can be about what you're looking for in your next job, the better. You could say something like: "I'm interested in moving from engineering to product management, and I saw that you made a similar transition.

Some hedge funds, wealth managers, and asset managers are still hiring. Recruiters told us what roles are in demand and what skills can help you land them. Big-name hedge funds like Citadel, D. E. Shaw, and Millennium Management posted double digits in a year that many other investment managers would rather soon forget. Alternative asset managers, meanwhile, are hiring in the private-wealth-management businesses they've spent recent years building out. … if you're in or interested in wealth managementDespite the market downturn, wealth managers are in high demand.

☆ Twitter working on payments feature - FT
▼ + stars: | 2023-01-30 | by ( ) www.reuters.com time to read: +1 min

Jan 30 (Reuters) - Twitter Inc is working to introduce payments on the social media platform and has begun applying for regulatory licenses, the Financial Times reported on Monday, citing people familiar with the matter. New boss Elon Musk is pushing Twitter to create new streams of revenue as it faces a drop in advertising income, following his $44-billion takeover of the company in October. The development on the payments feature is being led Esther Crawford, a director of product management at Twitter, according to the report, which added that the executive was emerging to be a key lieutenant to Musk. Musk had previously said that the Twitter acquisition would be part of a master plan to create "the everything app", a service that would offer social networking, peer-to-peer payments and e-commerce shopping. Prior to Musk's takeover, Twitter in early 2021 was exploring allowing its users to receive tips, or digital payments, from their followers.

☆ Twitter, ad verification firms team up to give advertisers tweet-level analysis
▼ + stars: | 2023-01-26 | by ( ) www.reuters.com time to read: +1 min

Jan 25 (Reuters) - Twitter Inc will team up with digital ad verification companies Integral Ad Science (IAS.O) and DoubleVerify Holdings Inc (DV.N) to provide advertisers tweet-level analysis on content appearing next to their ads, the companies said on Wednesday. IAS and DoubleVerify, who have both previously partnered with Twitter, use technology to independently verify that digital ads are viewed by real people. Advertisers use the services to ensure the ads they pay for are seen by potential customers and not automated bots. Musk has been fighting to retain clients as many companies, including General Motors (GM.N) and United Airlines (UAL.O), had paused or pulled back from advertising on the platform. Many advertisers including Dyson, Mazda, Forbes and PBS Kids suspended their marketing campaigns or removed their ads from parts of Twitter because their promotions appeared alongside tweets soliciting child pornography.

☆ Leaked Oracle emails show a key exec is leaving amid more layoffs and changes to its advertising business
▼ + stars: | 2023-01-26 | by ( Ashley Stewart | ) www.businessinsider.com time to read: +3 min

Oracle Advertising laid off another round of employees this month and the unit's chief product officer, Derek Wise, is leaving, according to internal emails viewed by Insider. Previously called Oracle Data Cloud, Oracle renamed its cloud-based advertising and customer relationship management software to Oracle Advertising and Customer Experience. Oracle Advertising now falls under Edward Screven, Oracle's executive vice president and chief corporate architect who reports to founder and CTO Larry Ellison. "Over the past few days we have had to make some very tough choices about the future of Oracle Advertising," Vlaovic wrote in a Jan. 17 email. "Our strategy in Oracle Advertising moving forward is to be more focused and be able to self-fund our growth."

☆ Chevron’s mammoth buyback plan – Here’s why Wall Street loves share repurchases
▼ + stars: | 2023-01-26 | by ( Bob Pisani | ) www.cnbc.com time to read: +4 min

With a market cap of $346 billion, a $75 billion buyback is about 20% of the shares outstanding. Exxon Mobil also has a $50 billion buyback plan, for example. Wall Street loves buybacks Buybacks have become an important part of returning shareholder profits. "Wall Street loves buybacks for two reasons," Howard Silverblatt, senior index analyst, product management for S & P Dow Jones Indices, told me. Here's a list of larger companies that had significant share count reduction in Q3, the last quarter with complete data.

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☆ Twitter, ad verification company partner to give advertisers tweet-level analysis
▼ + stars: | 2023-01-25 | by ( ) www.reuters.com time to read: +1 min

Jan 25 (Reuters) - Twitter Inc and Integral Ad Science (IAS.O), a digital ad verification company, will team up to provide advertisers tweet-level analysis on content appearing next to their ads, the companies said on Wednesday. "Marketers are looking for confidence to continue to invest in Twitter and eventually grow their investment in Twitter... and that is what this is all about," said Craig Ziegler, senior vice president, Product Management of Integral Ad Science. IAS will also give advertisers measurement for brand safety, an industry term to protect its online reputation and evaluate content that is next to an ad at the tweet level. Musk has been fighting to retain clients as many companies, including General Motors (GM.N) and United Airlines (UAL.O), had paused or pulled back from advertising on the platform. Many advertisers including Dyson, Mazda, Forbes and PBS Kids suspended their marketing campaigns or removed their ads from parts of Twitter because their promotions appeared alongside tweets soliciting child pornography.

☆ One of Elon Musk's top lieutenants at Twitter says she 'grew up in a cult'
▼ + stars: | 2023-01-25 | by ( Grace Kay | ) www.businessinsider.com time to read: +3 min

Esther Crawford, a leader at Elon Musk's Twitter, said on social media that she "grew up in a cult." Crawford has become a key player in Musk's takeover and went viral for sleeping in the office. She also was a social media strategist for Weight Watchers between 2007 to 2012. At Twitter, she serves as the director of product management and has quickly become one of Musk's top executives at the company. Since, she has survived multiple rounds of layoffs at the social media company.

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