Working money – Angil Wed, 21 Sep 2022 14:10:58 +0000 en-US hourly 1 Working money – Angil 32 32 Walmart will welcome 40,000 associates to deliver for a great holiday season and beyond Wed, 21 Sep 2022 13:08:39 +0000 At Walmart, we play a special role in helping millions of families across the country bring the holidays to life. From all the hottest gifts to holiday meals and decorations, for many families, the holidays start at Walmart. To help busy families focus on what matters most this season, we will welcome approximately 40,000 additional […]]]>

At Walmart, we play a special role in helping millions of families across the country bring the holidays to life. From all the hottest gifts to holiday meals and decorations, for many families, the holidays start at Walmart.

To help busy families focus on what matters most this season, we will welcome approximately 40,000 additional associates in a variety of seasonal and full-time roles to our business. This will include:

  • Seasonal in-store associates to deliver an exceptional customer experience however they wish to shop, whether in-store or using our pickup and delivery services.
  • Full time, permanent truck’s driver, that drive our business forward throughout the year.
  • Customer service associates to ensure there is a knowledgeable and friendly voice on the other end of the line in our customer call centers this season.

As we prepare to serve customers this season, we will start, as usual, by offering overtime to current associates who want it. In fact, it’s never been easier for part-time associates to take on extra shifts and create their own schedules with the flexibility they want. After that, we will offer the possibility for those who want to earn extra money to work on a temporary basis.

Whether an associate starts working at Walmart during the holidays or at another time of the year, they can count on opportunities and benefits at any time.

Merry and Bright Futures: Career Journeys Like No Other

Many associates start working at Walmart thinking they’ll be here for a few months, only to find that our culture of learning, developing and growing is unbeatable.

Whether it’s Walmart paying 100% tuition and books through Live Better U, skills development through our Walmart Academies, or our goal to promote from within, one thing is clear: There’s a path for everyone at Wal-Mart.

And we’re committed to helping you get started – on average, entry-level associates are promoted to higher paying roles and more responsibility in just seven months.

In fact, 75% of our US salaried leadership team in stores, clubs and supply chain started their careers as hourly associates, including our CEO Doug McMillon and the CEO of Walmart US John Furner, to name a few. We have a long history of promoting from within, and I’m proud that it continues to be part of our culture.

Spreading Joy Year-Round: Walmart Benefits for Total Well-Being

For associates who choose a career here, working at Walmart means access to a benefits package that empowers eligible associates and their families to take care of their physical, financial and emotional well-being. Some examples :

  • Medical coverage starts at $31.40 per paycheck and includes virtual healthcare programs and access to some of the best specialists and facilities in the country.
  • Free, confidential counseling sessions with licensed professionals are available to all associates.
  • Walmart offers a PTO policy that allows associates to plan their life outside of work, including paid sick days.
  • For eligible associates, we also offer 401(k) matching and Associate Stock Purchase Plan matching.

Ultimately, it’s about providing peace of mind for associates and their families.

It’s always the season to invest in associates

We invest in associate compensation throughout the year, including roles that help us deliver a great holiday season.

Our average salary in the United States is over $17 per hour, and many associates earn more depending on their role and market.

Over the past few months, we have increased salaries in areas ranging from Pharmacy technicians to truckers, not to mention that we are building a path to the driver’s seat for our associates through our private fleet development program.

Our associates are at the heart of the holidays and as we approach this season of gratitude, I am grateful to each associate and their dedication to making this a season to remember.

Want to join the Walmart team? Visit to find your way.

Father Bill’s helps migrants airlifted to Vineyard Mon, 19 Sep 2022 13:46:41 +0000 South Shore-based Father Bill’s & Mainspring is joining other organizations to help the 48 migrants, including four families, who are being housed at Joint Base Cape Cod after unexpectedly ending up on Martha’s Vineyard. Alisa Magnotta, managing director of Housing Assistance Corp. in Hyannis, said its staff will work with Father Bill’s & MainSpring to […]]]>
6 Lessons I Learned Growing Up With My Grandparents – And Great-Grandparents Sat, 17 Sep 2022 16:32:00 +0000 By Kathleen M. Rehl Americans live in a household with three or more generations under one roof, according to Generations United’s 2021 report. The number of people living in these multigenerational households has risen sharply over the past decade, from 7% in 2011 to 26% in 2021. Although “multigen” households come in many shapes and […]]]>

By Kathleen M. Rehl

Americans live in a household with three or more generations under one roof, according to Generations United’s 2021 report. The number of people living in these multigenerational households has risen sharply over the past decade, from 7% in 2011 to 26% in 2021. Although “multigen” households come in many shapes and sizes, the type most rarer is a household at four or five years old. generation family living together.

For most of my preteen years, I lived in a four-generation household. It all started in 1947, during a violent blizzard when my great-grandfather drove my very pregnant mother and my father to the hospital. He didn’t trust Dad to steer his DeSoto on icy roads. When my parents took me home, my great-grandparents and grandparents took me in.

The seven of us lived as a multi-generational family in a large country house built in the late 1800s. When Dad returned from Europe after WWII he was a student at GI Bill University with no income. Mom quickly became pregnant and remained a housewife for several years as the babies arrived quickly. Living with family was a matter of economy and affordability.

Read: Forget pickleball and golf. These communities centered around farms or gardens are redefining retirement

I thought our housing situation was normal, although I later realized that most of our neighbors lived in multigenerational family homes. Except for a short stint where my parents and I stayed with my great-aunt and uncle on their farm, we lived with both of my grandparents until we were almost 13 years old.

I believe my parents’ financial problems were the main reason they lived with the grown-ups. My great-grandmother provided childcare, which allowed Mom to earn an income by working outside the home. When my great-grandmother and grandmother were widowed, living with extended family helped them emotionally and financially.

Growing up with all these parents taught me several money messages. “You can’t take big shortcuts and expect to get paid,” my exasperated grandmother once told me. When I was eight, I had to pick a row of green beans from the backyard garden before I received my compensation – the chance to play with friends. Rushing to finish, I only offered a half-full bowl. Reprimanding me for missing many green beans still on the vine, Grandma sent me back for another round. It wasn’t until I came back with an overflowing bowl that I was rewarded with game time.

Along with this lesson on how to do a job well, there were six other lessons I learned from my multi-generational family:

1. Live frugally, resourcefully, and spend money intentionally. Both sets of grandparents lived through the Great Depression and knew how to stretch a dollar. They kept everything and reused it until further repair was impossible. Times were tight for all of us, so money was spent in a meaningful way. Today, I always find bargains at vintage thrift stores, use coupons, and prefer to spend money on experiences rather than stuff.

S&H Green Stamps has purchased many kitchen accessories. Vacations were rare and usually involved visiting family. Seven of us drove from Wisconsin to California and came back stuck in our Rambler station wagon with overload springs. We probably looked like the Beverly Hillbillies. Going to the state fair in late summer every year was a special family treat.

2. Start a small business. It’s what my grandmother did with her commercial bakery, and where I helped out after school. A related lesson I learned from Grandma is that it takes dedicated and demanding work to make your business successful, and even then things might not work out. My first business as a 10-year-old entrepreneur was a lemonade stand, followed by door-to-door greeting card sales. My babysitting job exploded when I was 11. At 49, I started my own financial planning business, which I continued for 18 years before moving into a six-year consulting business.

3. You will never go hungry if you grow your own food. I helped my family grow bountiful crops, which filled our freezer and basement shelves with canned goods. All this generosity fed us during the winter. Today, I continue to harvest a wide variety of healthy vegetables and succulent blueberries from our garden, even though I no longer pack a full-size freezer.

4. Don’t eat your money. Dining at McDonald’s was a rare treat for us in the 1950s. Today I’m not comfortable paying $50 for lunch when I can easily eat a healthy meal at home, put it in a brown bag or choose an inexpensive alternative if I’m away.

5. Do well in school. Scholarships and a college degree can be your ticket to a better life. Having watched my parents, grandparents, and great-grandparents struggle financially, I hoped to break the cycle by continuing my education. My great-grandmother and my grandmother were briefly one-room teachers before their marriage. I’m glad they encouraged me to get a college degree and start my professional career as a public school teacher.

6. We take care of each other as we get older and save money that way too. After the death of my great-grandfather and later my grandfather, their widows continued to live in our multi-generational home for decades. Prior to his death, my stepfather moved in with my husband, children, and me for several years. It was much cheaper than a nursing home, and it was meaningful for his grandchildren to get to know this gentle soul better. I believe living with us gave Grandpa a better quality of life in his later years.

I don’t want to sound Pollyannaish. Yes, I also remember the negative messages about money from my childhood. My parents often argued about their finances. There never seemed to be enough money, especially one Christmas when Mom bought many gifts from the General Merchandise catalog on credit.

My grandparents settled their financial disputes away from us kids, but sometimes I heard their arguments too. I remember adults screaming, slamming on doors and sulking. These memories turned me 180 degrees in the opposite direction. My husband and I discuss money matters openly and keep no financial secrets.

Will the trend of increasing multi-generational housing continue? I believe him.

During the pandemic, a friend of mine and her husband combined households with their adult daughter, son-in-law and two toddlers. With no childcare available, their telecommuting daughter and husband were desperate for help. Now that the critical phase of the pandemic has passed, this three-generation family has decided to stay together for financial and other benefits. In effect, they pooled their money and bought a bigger house to provide more space for everyone, including a semi-private in-law suite.

For many years I enjoyed living only with my husband, often inviting extended relatives to visit me. Two summers ago, my son and his family stayed with us in our spacious home for almost two months. Years ago, when my mother was a widow, she was with me before choosing to live in a nearby nursing home.

Read: I want to buy a ‘forever’ home with my son and his wife. How can I protect myself?

I intend to maintain my independent lifestyle for many years to come. But who knows? Maybe one day I’ll go back to a multi-generational family, but this time I’ll be the elderly grandparent.

Learn how to shake up your financial routine at the Best New Ideas in Money Festival on September 21-22 in New York City. Join Carrie Schwab, President of the Charles Schwab Foundation.

This column first appeared on Humble Dollar. It has been republished with permission.

Kathleen M. Rehl is retired from a career in financial planning and a “still career” as a speaker and researching widows. She wrote the award-winning book, Moving Forward on Your Own: A Financial Guidebook for Widows.

-Kathleen M. Rehl


(END) Dow Jones Newswire

09-17-22 1232ET

Copyright (c) 2022 Dow Jones & Company, Inc.

How an aspiring math teacher created, a service for sports bettors Tue, 13 Sep 2022 13:33:20 +0000 founder Pete Smaluck is building a gambling business but still dreams of teaching math. (Duane Cole for the Washington Post) September 13, 2022 at 8:00 a.m. EDT In 2020, Pete Smaluck created software capable of teaching math to middle school students using NBA statistics. Students could choose their favorite player or team, and the […]]]> founder Pete Smaluck is building a gambling business but still dreams of teaching math.  (Duane Cole for the Washington Post) founder Pete Smaluck is building a gambling business but still dreams of teaching math. (Duane Cole for the Washington Post)

In 2020, Pete Smaluck created software capable of teaching math to middle school students using NBA statistics. Students could choose their favorite player or team, and the software would generate a worksheet with relevant questions. An example: James Harden shot 36 free throws. Of those he made 88.9 percent. How many free throws has he made?

Smaluck tested it with 50 teachers in Ontario, Canada, where he lives, and while he said feedback was positive, he couldn’t convince school boards to pay for the software.

With a new approach, he found a way to make it valuable.

Smaluck and his pals have long enjoyed prop betting – placing wagers on specific outcomes within a sporting event, such as how many rebounds a power forward will grab or which player will score the first run in a match. And the software he created, a few tweaks later, provided useful data for researching what gamer accessories might be worthwhile. So useful, in fact, that his friends suggested he offer the resource online.

A year and a half later, is a profitable subscription service, according to Smaluck, and its red and green graphics often appear on #gamblingtwitter, where bettors use them to support guesses or thank the company for their wins.

“I never really wanted to be in the playing space. It wasn’t my ambition,” Smaluck said in a video call from his Ontario office, a painting of the Blue Jays slugger from Toronto Vladimir Guerrero Jr. hanging behind him. “My ambition has always been to teach mathematics; but it turns out that the prop bettor is a math student. And having these basic tools helps them.

“So I still teach basic math, but it’s not to students.”

Smaluck – 38 and engaged this fall – has a degree in math and statistics and a master’s degree in education, but struggled to land his favorite job after graduating amid a overabundance of teachers in some parts of Canada. Instead, he worked in data visualization for a newspaper and then as an engineer for start-ups, where he broadened his skills as a developer and learned how businesses work.

Now he works full time to build his business, which employs eight people. Its product streamlines research — by organizing what might otherwise be a dozen browser tabs into one uncluttered dashboard — and simplifies statistical trends with color-coded graphs, much like a math teacher would.

This series will examine the impact of legalized gambling on sport, through media coverage, responsible journalism and tips for navigating this new landscape. Read more.

“It’s such a great, savvy app that gives you a great starting point,” said Beau Wagner, an Illinois real estate attorney who, since mobile betting became legal in his state in 2020, has is taxed as a high volume bettor. and influencer. “They summarize the numbers for you so you can at least see the trends.”

The universe of available props has exploded over the past couple of years as sports betting offers more and more ways to invest in anything that might happen on the playing field. You want to predict if there will be a run scored in the first inning of an MLB game? There is an increasingly popular accessory for this. It offers immediate gratification – or anguish.

Johnny Avello, director of sports betting operations at DraftKings, said more than 10% of his book handle came from prop bets. Bets that were only offered for big games such as the Super Bowl are now available every day.

Meanwhile, savvy bettors say it’s often easier to beat the books at props than at standard spreads or over/unders, which are more scrutinized.

“The sides and totals are so clean,” Wagner said. “The bookmakers that run these books that offer these lines, they are awesome. …I think with props, there are so many that you can find the weak spots.

Avello of DraftKings agrees props can be a little softer than other bets, especially as sites rapidly expand their offerings. And so a game of cat and mouse takes place between the books and the gamblers.

“As we find tools to make odds more efficient, they find tools to try to find ways to beat you,” Avello said. “I think they’re getting better. I think we’re getting better. If that’s how it’s going to be – we’re getting better, they’re getting better, and that’s a dead end – that’s fine with me. – which charges $19.99 for a monthly subscription or $199.99 for an annual subscription – doesn’t offer explicit advice on where to put your money, but it does strive to improve bettors.

Griffin Carroll was a user before becoming its PR manager, a role that includes blogging on his website. He says he’s scored big this year shooting in a vulnerable market: prop shots in NHL games. Carroll makes his picks known, and his company’s green and red bar graphs – also depicted on the logo – serve as proof of concept.

“People who share winning ballots go a long way,” Carroll said of how has racked up more than 49,000 followers on Twitter. He added a caveat: “Obviously it’s important to recognize that no one is going to go on Twitter and say, ‘Thank you for that loser.’ ”

As fall approaches, Carroll is looking to master a niche within the NFL: the longest receiving props. The joy, he says, is in the search.

This has also been true for Smaluck since it started betting on props ten years ago. Proline, a service provided by the Ontario Lottery and Gaming Commission. Smaluck knew it would be hard to make a profit, but analyzing the data was part of the thrill.

It’s his mission at to make the search process engaging for everyone. He says he aims to “teach people math using relevant and exciting data” regardless of his profession – which perhaps one day will involve a classroom setting.

While Smaluck said he understands his connection to the game may scare off some members of the teaching community, he still plans to work with students. Ultimately, he wants to revisit a career as an educator.

“I’ll go back,” Smaluck said. “Once this prop trip is over, I go back to teaching kids math. There is no question; this is the trip of my life.

Not just about the money: Pioneering study reveals the best and worst jobs in the UK | Work & careers Fri, 09 Sep 2022 13:48:00 +0000 If you are looking for happiness, try to be captain of a ship or tile walls to earn a living. But choose to be a judge, housing officer, or theme park keeper, and prepare for some misery. Groundbreaking research into the ‘full earnings’ of UK employees, which tries to take into account well-being as well […]]]>

If you are looking for happiness, try to be captain of a ship or tile walls to earn a living. But choose to be a judge, housing officer, or theme park keeper, and prepare for some misery.

Groundbreaking research into the ‘full earnings’ of UK employees, which tries to take into account well-being as well as cash income, has revealed the jobs where the reality of the working day compromises the benefit of pay and those which offer the greatest rewards in addition to salary. .

The study, conducted by leading academics from the London and Paris schools of economics, suggests that the best jobs are marked by autonomy and provide the satisfaction of completing tasks, while the worst include roles where workers are beset by the problems of others – be it customer service, administrators or welfare officers.

He also argues that if well-being is taken into account, income inequality in the UK – already the worst in Western Europe – is a third wider than previously believed, creating a hidden “real income” gap.

“The people who get the worst out of this widening gap are usually women and ethnic minorities and the winners are usually white men,” said Andrew Clark, a professor at the Paris School of Economics.

The study was co-authored by Maria Cotofan and Professor Richard Layard, the Labor peer who pioneered ‘happiness economics’ and is co-editor of the world happiness reportwhich ranks the UK as the 24th happiest country in terms of average life satisfaction.

Academics monitoring well-being in Europe and the United States are increasingly concerned that conventional economic measures – such as gross domestic product (GDP) – underestimate the extent of social divisions, which in turn threaten political stability. They note that anti-government protests have increased in recent years in the UK, US, France, Italy and Spain, and analysis has shown that voters’ feelings about their income were a a much better predictor of whether they voted for or against Brexit than real income.

At the top of the “full pay” table are chief executives and elected representatives such as MPs. Construction and building trades supervisors, plasterers, floor setters, tile setters and decorators are also near the top in life satisfaction, despite earning less cash. Pilots, flight engineers, and ship and hovercraft officers join sports trainers and fitness instructors among other high earners when welfare is considered.

Jobs where lack of happiness drives down full earnings include call center workers, lawyers, IT support workers, local government administrators and hospital porters, kitchen helpers, bar staff, waiters and theme park attendants.

“Occupation is one of the most important decisions individuals make,” the study concludes.

Clark said workers who have autonomy, managerial roles, mastery of a skill or who work in the public service tend to have higher full incomes.

“Working in health and education brings a kind of reward in terms of doing well,” he said. “Sales and customer service are terrible. There must be very little intrinsic reward in selling stuff.

The study used data from the ONS’s annual population survey from 2014 to 2018 of full-time employees aged 18 to 65 – a sample of 210,000 people. These individuals were asked to rate their “life satisfaction” on a scale of 0 to 10, ranging from “not at all satisfied” to “completely satisfied.” Earnings were measured as actual hourly earnings and each person was assigned one of 90 different occupational categories.

“Some low-paying occupations such as customer service, salespeople, and low-skilled laborers also have the worst non-pecuniary aspects, resulting in full earnings that are lower than actual earnings,” the researchers found. “Some elementary workers in construction and agriculture have higher full incomes once the value of amenities is taken into account.” This last finding may suggest the benefits of working outdoors.

The results suggest that satisfaction is also gained by seeing a finished job, which decorators and tile setters regularly appreciate. Their fellow construction workers, steel erectors, masons and carpenters had lower full incomes. They also suggest the negative impact of largely reactive jobs like call center operators and kitchen porters.

People with a degree had higher full earnings than those with only A level, GCSE or lower qualifications. Average life satisfaction also varies less for the most educated, reflecting greater inequality in well-being for the less educated.

Ways to reduce hard cash inequality include taxation and raising the minimum wage, while stronger unions could contribute to broader well-being if they succeed in improving working conditions in general. , said Clark.

Three people share what they get out of their jobs

Captain Robert Camby

Cruise ship captain: ‘The deck will turn orange and red with the sun’

“Sitting on deck on days at sea is breathtaking,” said Robert Camby, captain of P&O who has spent 27 years in the cruise ship business and is set to lead the Arvia, a new giant of 5,500 passengers sailing in the Caribbean and the Mediterranean. “You will have turquoise waters, crystal clear blue skies. We sometimes head straight for sunset and the bridge will turn orange and red with the sun.

Being the ship’s captain was like “boys with their toys”, he said – although he pointed out that there were also female captains. “We also work with an extremely diverse team. We have 50 nationalities and we are learning to understand so many cultures”.

The position is also that of general manager of the ship, with its theatres, spas, galleys, engine rooms and 1,800 crew members. For passengers, the Captain is something of a celebrity, making appearances opening shops and events. “It’s like walking around your own town and you’re the mayor,” he said.

The main challenge is the weather and he recently had to escape a nine meter swell caused by Storm Eunice. “It was pretty awful in terms of the wind,” he said, but he got the ship safely back to Southampton.

Overall, he says, the work was “extremely rewarding.”

Decorator: “I really like finishing properties”

Hanging £600 a roll wallpaper in the homes of footballers and old-fashioned millionaires can be a stressful business; any mistake can cost a small fortune. But the satisfaction of a job well done is enormous, says Adam Bown, 38. He runs Divine Decorators of Cheshire, which puts the finishing touches on million-pound renovations to homes in the county’s wealthy ‘golden triangle’.

“Room makeover is a really satisfying part of the job,” he said, adding that he understands why decorators rank so high in wellness rankings. “Much of what we do is visible. Nobody really appreciates a boiler on the wall, but they will appreciate a nice wallpaper.

Bown painted and decorated footballers like David Beckham and Sergio Agüero. He said: “I really like finishing properties. It’s a bargain to be in; not too physical, but enough to keep in shape. It’s quite meticulous work and I really like having a good relationship with my clients.

Kitchen porter: “My family is my main concern”

Emptying overflowing bins was the worst part of 25-year-old Keilon Richardson’s job when he worked as a kitchen porter at the Fat Duck. He worked 11-hour shifts, washing dishes, compacting boxes and cleaning at Heston Blumenthal’s three-star Michelin restaurant in Bray.

Despite being one of the most thankless jobs in catering – George Orwell described kitchen porters as “slaves of the modern world” – Richardson was not unhappy even when confronted with the pan the most encrusted that a chef had “really messed up”.

“I was never afraid to go to work,” he said. “As long as the amount of work was reasonable, I focused on the people around me.” He loved getting recipes from the chefs — pastas and marinades for the ribs, rather than the famous restaurant specialties like snail porridge — and trying them out to his family back home.

“Work is a necessary process,” he said. “My family is my main concern. Every job I take, I take it with them in mind.

Ukrainian hackers: an ex-ghost, a Starlink and “owner” of Russia Sun, 04 Sep 2022 04:02:26 +0000 Hours after Russia invaded Ukraine, Nikita Knysh rushed to join the resistance. He went to the Kharkiv office of his former employer, the Security Services of Ukraine (SBU), and asked for an assignment. But the town, just 30 km from the Russian border, was in chaos. Leaving empty-handed, the 30-year-old IT professional, an ex-hacker, realized […]]]>

Hours after Russia invaded Ukraine, Nikita Knysh rushed to join the resistance.

He went to the Kharkiv office of his former employer, the Security Services of Ukraine (SBU), and asked for an assignment.

But the town, just 30 km from the Russian border, was in chaos. Leaving empty-handed, the 30-year-old IT professional, an ex-hacker, realized he would have to create his own mission.

He moved employees of his cybersecurity company, HackControl, and a bunch of IT equipment into the basement of a wallet factory. As the Russian army pounded Kharkiv, Knysh’s team began to hack into Russia.

Moscow’s invasion of Ukraine has sparked an unprecedented cyber war, with legions of hackers on both sides. Dozens of government-sponsored groups took advantage of the uproar to target their adversaries, as did criminal gangs, hiding behind the noise to carry out ransomware heists.

Ukraine’s pre-war IT industry, with 300,000 professionals working in cybersecurity or outsourced back offices, proved to be a crucial pool of talent in the first full-scale cyber war.

Six months into the conflict, stories of the hacks they inflicted on Russian companies and the Russian government have been bouncing around the internet. But with Anonymous groups claiming overlapping credit for “pwning” – online slang for “owning” – Russia, separating truth from bragging is often impossible.

Not all of Knysh’s claims can be verified, but the Financial Times spoke to government officials and other hackers who vouched for him and reviewed photographs, videos and log files that backed up some of them. of his assertions.

Nikita Knysh: “For me, it was like a fight”

Its story is the story of talented programmers forced to adapt to the turmoil of war. It involves the recruitment of low-level criminals into mobs of coders, bomb hoaxes, the large-scale infiltration of internet-connected security cameras to monitor Russian-occupied territory, and the honey trapping of Russian soldiers. so that they reveal their bases.

But the group, nicknamed Hackyourmom, first needed a base of its own. The wallet factory worked the first week, when Knysh dusted off an old trick from his SBU days – spoofing his way as an administrator in massively popular Telegram channels in places like busy Donetsk to blast pro- Ukrainians.

“But Kharkiv was still under attack – we had to move,” he said. They evacuated west to a cheap inn in the Vinnytsia region, away from the Russian advance. Knysh had rented it months earlier, fearing war was coming, and carrying out a small project. “It wasn’t plan B, it was plan C.”

Knysh asked a favor from a former mentor, Vsevolod Kozhemyako, general manager of the grain company Agrotrade and one of Ukraine’s richest men.

He wasn’t looking for money, but one of Elon Musk’s Starlinks, satellites the world’s richest man had sent in their thousands to give Ukrainian authorities free internet access. “He asked, so I took one from him,” said Kozhemyako, who had picked up weapons himself and formed a battalion of volunteers to guard Kharkiv. “I didn’t ask him what he was doing with it, but knowing him, it was probably something good.”

In Vinnytsia, his motley crew of no more than 30 people relied on the Starlink’s carefully protected internet access. “We’ve become like family in a way,” said team member Maxim, who asked to be identified by his first name. “I never thought I would be on the front lines of a cyber war, but that is what it was.”

Knysh soon realized he needed more experienced people than he could fit into the hostel. He remembered a group of high profile Ukrainian hackers who stole some company secrets he had tracked at the SBU.

He recruited dozens to send him databases of stolen credit cards, which he traded to create a low-level hacker Telegram channel with one set of instructions – flood flights to Russia bogus bomb threats.

Dozens of flights were delayed or canceled, including some operated by Air Serbia, on the dates for which he showed FT logs. Serbian President Aleksandar Vučić blamed Ukrainian intelligence services for the hoaxes.

Wanting to provide more targeted aid to the overwhelmed Ukrainian military, Hackyurmom turned to an even more elaborate scheme: they hacked into thousands of security and traffic cameras in Belarus and parts of Ukraine occupied by the Russia.

To filter the information, the team wrote machine learning code that helped them separate military movements from ordinary traffic, and they routed the information to the military through a public portal.

In one example, described to the FT with photographs and locations, they identified a remote Russian base near occupied Melitopol in southern Ukraine. Then, using fake profiles of attractive women on Facebook and Russian social media websites, they tricked soldiers into sending photos which they geotagged and shared with the Ukrainian military. “Russians, they always want to fuck,” Knysh said. “They send [a] a lot of bullshit to the ‘girls’, to prove that they are warriors.

A few days later, they watched on TV as the base was blown up by Ukrainian artillery. “My first thought was – I’m effective, I can help my country,” Maxim said, though Ukrainian authorities declined to discuss the hackers’ role in the attack. “Then I realized I wanted more – I want to find more bases, over and over again.”

Knysh claimed his team had been involved in other hacks, ranging from deceiving Russian TV stations to airing news clips about Ukrainian civilian casualties; linking home routers in occupied territory to large botnets that have taken down Russian websites; and even hacking into and leaking the databases of Russian military contractors.

The hostel group physically disbanded in early summer, when it became clear that the Russian army was held up in eastern and southern Ukraine.

The members began working remotely, including posting complex guides online for targets Knysh declined to discuss.

They are still keeping tabs on the cameras they hacked, sharing with the FT a recent image of a Russian navy vessel at a port in Sevastopol, which has been occupied by Russia since 2014.

“To me, it felt like a fight,” Knysh said. “Without money, without shiny software, and even without shiny hacks, you can use fraudsters, the dark web against your enemy. Right now, Russian laws don’t matter – what we have, c is the experience of having participated in the first cyberwar.

Terrebonne prison inmates made a donation to help children get school supplies Wed, 31 Aug 2022 13:01:49 +0000 Fourteen inmates from the Terrebonne Parish Jail donated their own money to purchase school supplies for four elementary schools. The amounts ranged from $20 to $500. Uninvited, inmates donated nearly $1,200 combined, Sheriff Tim Soignet said. “I am extremely proud of every inmate who developed and participated in this incredible adventure,” Soignet said. “Our offenders […]]]>

Fourteen inmates from the Terrebonne Parish Jail donated their own money to purchase school supplies for four elementary schools.

The amounts ranged from $20 to $500. Uninvited, inmates donated nearly $1,200 combined, Sheriff Tim Soignet said.

“I am extremely proud of every inmate who developed and participated in this incredible adventure,” Soignet said. “Our offenders in the program have made great strides not only in their jobs, but also in their personal growth. I understand that the TWP doesn’t work for everyone, but it’s a wonderful example of what can be accomplished when we work together to make our community a better place for everyone. These men decided on their own to give back and make a difference, and I believe they should be commended for their actions.

How to blog about travel? How do you host a TV show about travel? Mon, 29 Aug 2022 05:20:15 +0000 From waiting tables to living in a basement apartment, three travel hosts tell CNBC how they got to where they are. Here are their stories. Samantha Brown Use: Emmy Award-Winning TV Host”Samantha Brown’s Places to Love“Started in: Comedy “I went to Syracuse University to do musical theater because I desperately wanted to move to New […]]]>

From waiting tables to living in a basement apartment, three travel hosts tell CNBC how they got to where they are.

Here are their stories.

Samantha Brown

Use: Emmy Award-Winning TV Host”Samantha Brown’s Places to Love
Started in: Comedy

I went to Syracuse University to do musical theater because I desperately wanted to move to New York and become an actor. I wanted to do Shakespeare and be on Broadway.

It did not work. I’ve waited on the tables for a good eight years. But I loved improv and was in an improv comedy troupe. So I just kept auditioning for jobs.

Samantha Brown said the best part of her job wasn’t “that I get to travel to all these places for free – it’s that I get to hang out with people in their daily lives”.

Source: Samantha Brown Media Inc.

A screenwriter recommended me to a production company that… was looking for a presenter. But my hearing for it had to be totally improved. That’s how I got the job.

When you’re a travel host, there’s no script. Yet it’s still up to you to set the scene, to understand the trajectory of a story and how to end it. Also in improvisation, the golden rule is never to say no, it’s always yes — to get things done.

Waiting on tables in New York for eight years, you start to get real humble, [but] it was the tools I had that allowed me to get a job that I never thought I would have in my wildest dreams.”

mike chen

Job: Creator of “Dumpling Strictly” and other YouTube channels (total: about 8 million subscribers)
Started in: Accounting and wedding videography

“I moved from China to the United States when I was 8 years old. My parents started working in restaurants and eventually opened their own very Americanized Chinese restaurant. So I grew up on a regular diet of rangoon in the General Tso’s Chicken and Crab.

There wasn’t a lot of diversity where I come from, but it helped that my parents sent me back to China when I was 13. years. That’s when I was like, Wow, this is so amazing – the people, the story – I want to know more.

After college I went to New York and worked on Wall Street for a year. Then I became a wedding videographer because I wanted to be flexible. I was living in a small basement apartment in Brooklyn with no air conditioning, making about $400 – a good week.

But it was the first time I ate something that wasn’t Red Lobster and Olive Garden. I sampled the diverse ethnic cuisine of Chinatown and began to discover a lot of my heritage that I had never really considered important before.

I started recording cooking videos on YouTube as a food diary for myself. I remember having a conversation with a friend about how the contents of food will never amount to anything. There was no one online doing that. I had like 10 subscribers. Somehow he became that, which was not intended.

I never really had a lot of money growing up – or for most of my adulthood. So I was always on the lookout for things that were inexpensive but also really filling and delicious. And that’s pretty much what I do in the world now.”

Colleen Kelly

Job: TV hostFamily trip with Colleen Kelly
Started in: Sales

“I tried the broadcast school at the University of Texas. The school gave you a shot at getting accepted into the program. I had never sat at an anchor desk with a camera pointed at me. I failed miserably.

Several years later, I graduated and got my first job in sales, before moving to Chicago and working in the pharmaceutical industry. The money was incredible, and I had a company car. But I wasn’t living my dream, and it started to really bother me.

In my early thirties, I got married and eventually quit my job to be a stay-at-home mom. One day, when my two little girls were in school, I went to the cable television station at our town hall and asked if, in exchange for teaching me how to ride, I could host the local entertainment show about our village – something like “Access Hollywood” for our town of 50,000 people.

Because they had no other offers, they said yes. I acted confidently, but I was as green as they come. every time I did an interview and read a voiceover, but I was gaining experience and knowledge.

Colleen Kelly with her family at Mirabell Gardens in Salzburg, Austria (left); and the filming of ‘Family Travel with Colleen Kelly’ at the Giant’s Causeway in Northern Ireland (right).

Source: Kelly Media Productions LLC

I told another mom that my dream was to host a national travel show and surprisingly she agreed to produce it with me. We wrote a script, found a local cameraman for a few bucks, and created a pilot.

I took meetings with two big companies – both said no. A network told me that women don’t watch travel shows, so the concept of family travel doesn’t appeal to them. I then sent thousands of emails to television stations. Nothing worked. Eventually, my mom suggested I call the local PBS station. I googled the head of programming, called him (no emails) and got an appointment.

After several meetings, we learned that PBS was picking two shows to go national, and “Family Travel with Colleen Kelly” was one of them.

We scraped for a year, producing 13 episodes that first season. Now the show has been running for over 10 years. And, the best part is that I can bring my family with me.

It’s been a long and arduous journey, but I hope this story inspires others to believe in themselves, ignore the naysayers, and never give up on their dream.”

Editor’s Note: These interviews have been edited for length and clarity.

Why don’t we want the best for others? Sat, 27 Aug 2022 14:18:58 +0000 WASHINGTON, DC August 24, 2022: US President Joe Biden delivers remarks regarding the student loan … [+] Debt forgiveness in the Roosevelt Room of the White House on Wednesday, August 24, 2022. Joining is Education Secretary Miguel Cardona. (Photo by Demetrius Freeman/The Washington Post via Getty Images) The Washington Post via Getty Images I received […]]]>

I received a Pell grant to go to university and it fundamentally changed my life. Federally funded financial aid got me out of poverty and, with the help of a teacher, was the most important support I received to go to university. Since a Pell grant wasn’t enough to pay for my tuition, room and board, I took out student loans, which in the 1980s had a 8% interest rate. Since my parents had little education, they did not understand what I was accepting by signing the loan documents; me neither.

After graduating from college, I attended graduate school for the next decade, except for a year after graduating with my master’s degree. At the end of my doctorate. in 2000, student loan repayments were due. At the same time I had a new baby, I moved to Atlanta, Georgia, where the cost of living was higher, for my first teaching position at Georgia State University. My salary was $43,000. With rent, daycare, a monthly student loan of over $250, and other necessary expenses, money was extremely tight. I also helped my elderly parents with money every month. There were no vacations, no extras, we rarely dined out, and we started racking up credit card debt to make ends meet. Also, we could only afford 3 days of daycare, which made it difficult to work as a full-time teacher and put a lot of stress on our marriage.

In 2003 we moved to Philadelphia, Pennsylvania, and I started my second teaching position at the University of Pennsylvania with a starting salary of $58,000. We were in the same situation – nothing more, little savings, rampant credit card debt, and working all the time to cover household expenses. It wasn’t until 2008, when one of my books had major sales, that our lives changed. How? I paid off my student loans, as well as the small credit card debt we had.

I remember exactly how I felt the day I paid off over $23,000 in student debt that never seemed to go down, no matter how much I paid each month. I am always filled with joy when I think of the day. I felt a huge burden lift off my shoulders, I felt a sense of freedom. We took our first vacation; we had some leeway in our family budget. I often wonder how long I would have paid off my student loans—a cost I don’t regret given the knowledge I gained in graduate school and the life I was ultimately able to create—if my book hadn’t gone away. didn’t sell well in 2008. I assumed it would be good in my early 60s before the loans were paid off.

Despite the fact that I paid off my student loans, and despite President Biden student loan cancellation plan not being perfect, I’m excited for people who have had Pell Grants who will have $20,000 in student loans forgiven, and for those who don’t have Pell Grants who will have $10,000 in loan forgiveness. Canceling student loans is not a panacea, and more money to support Pell Grants for today’s students is absolutely necessary. However, I remember the relief I felt when I paid off my student loans with a check for over $23,000. I remember being able to take my first vacation after working 80 hours a week for so long. I remember we were quickly able to save enough money to make a small down payment on a house – a 900+ square foot one we lived in – and to set up a college savings fund for our daughter.

Yes, I paid off my student loans, but I don’t blame those who will benefit from student loan forgiveness. We all benefit when more people succeed, when individuals and families can live comfortably, have enough food and safe housing, and enjoy life to the full. We have also benefit to of educating others as a nation. Why? Because education leads to more informed citizens, who contribute at a higher rate to the economy and generate greater tax revenue. We should want others to succeed, including the most 8000000 the people who will benefit from President Biden’s student loan forgiveness plan.

Bad hotel room? How to request an upgrade or refund. Thu, 25 Aug 2022 17:13:50 +0000 Comment this story Comment On the 4th of July weekend, I hopscotched through central and upstate New York on a road trip from New Jersey to Niagara Falls. After a night in Binghamton, NY, I went to Rochester, where I went to a Red Wings minor league baseball game and dinner for a hot dog […]]]>


On the 4th of July weekend, I hopscotched through central and upstate New York on a road trip from New Jersey to Niagara Falls. After a night in Binghamton, NY, I went to Rochester, where I went to a Red Wings minor league baseball game and dinner for a hot dog and Genesee cream beer.

It was a good night, but the room in a Holiday Inn I returned to was less than desirable. The air conditioning did not cool properly. The closet door was off its hinges. When I cut my finger on a sharp piece of metal protruding from the shower curtain rod, I knew I couldn’t stay.

Not every hotel room will be a winner, but that doesn’t mean you have to put up with sharp bits of metal in the shower — or bugs or noise or unsafe hotel room conditions — in every situation.

Hotels face the same staffing shortages as anywhere else, so a less-than-tidy bathroom or a messy breakfast room might not be a sign that a hotel is running out of steam.

Start with the front desk, says NerdWallet travel expert Sally French. “You don’t need to tweet to the main company Twitter account that their hotels are dirty because whoever runs the company Twitter can’t do anything about it,” French said.

The hottest new hotel amenity? Sleep.

Always be polite “because the person at the front desk is a human too,” she said. “Have some level of understanding of the situation you’re in and the power they have to fix it.” This also goes with managing expectations. Thin towels in a $2,000 a night hotel room might be something to complain about, but for a $50 a night room? Not really.

French also recommended documenting the problem by taking pictures. If you’re calling from your cell phone, you’ll also have a log of how many calls you’ve made and when. That way, if the issue isn’t resolved, you can escalate the issue to hotel management, or if it’s part of a hotel chain, to the chain’s customer service department, and show that you tried to solve the problem directly.

If you can’t change hotels, or if you’re annoyed but don’t think it’s worth changing hotels, you can also ask for something that will make up for the inconvenience. For example, on a road trip across the country in 2019, I stopped at a hotel with mandatory valet parking, but none of the valets working then could drive, so I had to park the car myself. same. In exchange, the hotel waived the parking fee of $50 per night.

When Sonja Sherwood and her husband took a trip to New Paltz, NY, for what was both their anniversary and the first night away from their son since birth, a getaway and a good night’s sleep were both a priority. . They spent a beautiful day on a lake, followed by a meteor shower, “but it’s an old hotel, and there was water hammer in the pipes,” she said, describing it as a constant “clunk clunk clunk”. Not great for sleeping.

Hotels have switched to robots

She asked the front desk clerk if they could change rooms and told him their story of misfortune, that “we were parents moving away for the first time, and a full night’s sleep was our gift birthday,” she said. He upgraded them to the penthouse.

If a situation is untenable or dangerous and staying is not an option, you can request a refund. Sometimes it takes firmness. On a trip to Stockholm, Kayt Sukel, who has traveled six continents and is no stranger to bumps in the road, got a hotel room with a door that wouldn’t close, let alone lock. She and her son had arrived at the hotel late and after checking in the front desk clerk disappeared. She found a maintenance man, who told her that the employee could not be contacted and that she could not change rooms. She went to another hotel instead.

“But I didn’t leave until he paid me back every penny,” she said.

Trying to resolve the issue with the hotel is your best option, French said. If you booked the room through a third-party site, a refund is not impossible to obtain, but it may be more difficult because the third party must first collect the money from the hotel before they can refund you.

Beginner’s guide to travel insurance

You can try to dispute the charges with your credit card, but that process can also take time because the card issuer has to investigate and not decide in your favor, French said. Instead, check to see if your card already includes travel insurance. A lost or damaged baggage policy, for example, can extend beyond airline issues and also apply to a hotel breaking your bag while it’s been left in the checked baggage hall. And of course if you have taken out travel insurance, check if the condition of your room is covered; this generally applies if you have “cancel for any reason” coverage. This type of insurance would allow you to cancel, even halfway through, and be reimbursed for “a significant percentage,” which is why taking photos is also important, French said.

As for my hotel room in Rochester: I finally got a refund.

I was supposed to stay at the hotel for two nights, but checked out after one and moved on to the next stop on my road trip a day early. Given the state of the rest of the hotel – broken elevator and broken wine bottle in the stairwell which hadn’t been cleaned – I didn’t think getting another room would be better, nor would it was something the people working at the front desk could control.

Instead, I directly emailed management with photos. I also pointed out that I am a member of this hotel chain’s rewards program and booked the room with their hotel-branded credit card — all of which may help, French said.

The best credit card for every vacation style

Within hours I was promised a refund. But when my points didn’t arrive five days later, or a week later, or a month later, I asked the hotel chain’s customer service to intervene. Their response was that the hotel manager said I was lying and they never promised me anything.

So I followed French’s advice and my screenshots of emails promising me a refund on social media. I tweeted about the situation and although I was angry, frustrated and accused of lying by the hotel manager, I did so without yelling in all caps, cries of malfeasance or even mentioning the name or the hotel location: just that i had stayed at one of the mega chain hotels and thought the situation was “strange”, included these screenshots and tagged the hotel’s corporate account.

The account asked me to send the details directly to them and viola, I got my refund. I already applied it to an October trip to Maine.