Infantrymen training with a T-80 tank in Donetsk Oblast, Ukraine, on July 2, 2024.
Jose Colon/Anadolu via Getty Images
Ukraine is creating new brigades but can't arm all of them, military experts said.
The Institute for the Study of War said this is likely due to a lack of Western weapons and delays.
Delays in weapons deliveries are the "biggest tragedy of this war," Ukraine's president said this week.
Ukraine is creating several new brigades but it can't arm all of them, military experts said.
In an interview with The Economist in May, Lieutenant General Oleksandr Pavliuk, the commander of Ukraine's ground forces, said that Ukraine planned to create at least 10 new brigades to prepare for a Russian offensive.
"Ukraine is addressing its manpower challenges and is forming several new brigades, but delayed and insufficient Western weapons deliveries will likely prevent Ukraine from equipping all these new brigades," the Institute for the Study of War said on Wednesday.
It added that "timely and appropriate Western security assistance continues to be a crucial determinant of when and at what scale Ukrainian forces can contest the battlefield initiative and conduct operationally significant counteroffensive operations in the future."
Ukrainian President Volodymyr Zelenskyy made a similar assessment in an interview with Bloomberg on Wednesday.
He told the outlet that Ukrainian forces are in a better manpower position than they were a few months ago, but that they still lack the equipment they need.
"A problem can be solved if one has the will and has the tools. We do have the will, and the tools — they haven't arrived yet," he said.
The US sent $61 billion worth of military aid to Ukraine in April, after months of delays over Republican opposition.
But the equipment is taking too long to reach the front lines, Zelenskyy told Bloomberg.
"This is the biggest tragedy of this war, that between the decision and real fact, we have a real long, long, long wait," he said.
The commander of Ukraine's 24th Separate Mechanized Brigade, which operates near the crucial city of Chasiv Yar, made a similar point, saying Ukrainian units need more weapons to protect the city.
It's not the first time Ukraine has faced delays in getting the weapons it needs to fight.
Last year, a report compiled by the Kiel Institute for the World Economy found that only about half of the heavy weapons that Ukraine's allies had promised to send it had actually been delivered.
Mykhailo Podolyak, a top advisor to Zelenskyy, said last year that Ukraine's military efforts against Russia were six to nine months behind schedule because of delays in Western weapons deliveries in the fall of 2022.
And in May, Zelenskyy told Reuters that the West always gives weapons a year after Ukraine needs them.
An unnamed officer even told Politico in April that continued delays made Western weapons "no longer relevant" once they made it to the battlefield.
While some new ammunition is starting to make it to the front lines, Ukrainian soldiers in Vovchansk, in Ukraine's northeastern Kharkiv region, told The Telegraph last month that they are heavily outgunned.
"If we use 10 shells, they send 50 back," one unnamed artillery gunner told the outlet.
According to the Institute for the Study of War, Ukraine doesn't have the time and flexibility to wait for Western supplies to equip its new units.
"The longer Ukraine must wait to equip and deploy new brigades, the more opportunities Russian forces will have to disrupt Ukrainian efforts to concentrate new uncommitted combat power for future counteroffensive operations," it said.
Priya Mistry is a jaw expert and treats patients with TMJ.
Courtesy Priya Mistry
Priya Mistry is a dentist who specializes in treating jaw disorders.
She says the jaw is part of overall posture, just like the spine and hips.
Avoid chewing too much, resting your head on your hands, and reduce stress for better jaw health.
This as-told-to essay is based on a conversation with Priya Mistry. It has been edited for length and clarity.
For the 11 years I was practicing general dentistry, about five patients came into my practice each year with severe temporomandibular joint (TMJ) disorders that were impacting their daily lives. This type of jaw pain was debilitating, but I hadn't learned anything about treating it in dental school. I felt like the medical and dental communities had failed these patients.
I wanted to do better for them, so I asked to shadow a TMJ expert. I watched as he evaluated patients' posture and leg length. He taught me how the jaw — along with the feet, hips, and spine — is essential for posture. His patients told me he had saved their lives because they had so much jaw pain before seeing him.
By the end of the first day, I knew I wanted to take over his practice. I had a 2-year-old and a 2-month-old at the time, so he was skeptical. But I worked under him for three years and brought the practice when he retired in 2021. Now, he's like a second dad to me.
Since then, I've learned a lot about jaw health — including that seemingly harmless things can really impact your jaw. Here are five common things you should avoid if you want to foster good jaw health in yourself and your kids.
Avoid resting your head on your hands
Many people rest their heads against their fists when they're looking at the computer during the day. This puts a lot of lateral pressure on the temporomandibular joint, which is designed mostly for back-and-forth movement. Even 20 minutes here and there adds up and can strain your jaw muscles or joints.
I caution my patients against chewing pens, gum, or fingernails
Humans aren't meant to be chewing constantly. Chewing on items throughout the day — like pens, fingernails, or gum — means you're overusing your jaw muscles. You wouldn't do bicep curls all day, right? Chewing on gum or other items is like doing that for your jaw and can lead to overuse injuries.
Don't even get me started on popular jaw strengtheners, which people chew on to try to get a more defined jawline. Those things scare me and I would recommend everyone steer clear.
Don't use your teeth to open things
Lots of people grind their teeth at night without realizing it, which can weaken the teeth. When you use your teeth to tear open a plastic package or anything else, it puts a lot of pressure on the teeth. Sometimes, it's the straw that breaks the camel's back, and your tooth can crack or chip.
It's easier said than done, but try to reduce stress
Lots of TMJ problems happen because people clench or grind their jaws. When we're emotionally stressed, we clench even more than normal. During the pandemic, referrals to my practice skyrocketed, and my mentor and I fully believed it was because of stress. If possible, try to find ways to reduce and manage your stress and relax your jaw.
I advise parents to wean babies off pacifiers by 6 months
Pacifiers and thumb sticking can cause the mouth, palette, and jaw to grow in all sorts of wrong directions. That's why I like to see babies stop using pacifiers by 6 months. Pacifiers interrupt healthy tongue posture (in which the tongue is touching the roof of the mouth). That can lead to mouth breathing and other health concerns that could be avoided by kicking the pacifier early.
Jaw health and tongue position can play a huge role in overall health. Taking small actions to take care of your oral health now — and getting help if you experience issues like clicking, popping, or mouth breathing — can help you stay healthy.
The redeye flight from Detroit to Amsterdam U-turned over Newfoundland and diverted to New York early Wednesday morning, according to data from Flightradar24.
In a statement to the AP, Delta Air Lines said the Airbus A330 turned around "after reports that a portion of the main cabin in-flight meal service were spoiled."
A spokesperson for the Port Authority of New York and New Jersey told the outlet that 24 people were treated by medical personnel upon landing. That included 10 crew members and 14 of the plane's 277 passengers, they said.
Nobody was hospitalized, and it's unclear if more people ate the dubious food.
Travel news site Paddle Your Own Kanoo reported that thousands of Delta passengers on other international flights on Wednesday were only offered a vegetarian meal as a result.
"This is not the service Delta is known for, and we sincerely apologize to our customers for the inconvenience and delay in their travels," Delta told the AP. It added that it was investigating the incident.
Delta and the PANYNJ did not immediately respond to a request for comment from Business Insider, sent outside regular US working hours.
Similar incidents have occurred on other airlines in recent months.
In May, a United Airlines plane had to be taken out of service for a deep clean after 30 passengers fell ill, with symptoms like vomiting and nausea. The cause is being investigated.
Earlier that month, 70 passengers reported similar symptoms on a Condor flight. The airline said it would implement "more intensive cleaning measures" as a result.
The most famous airline-vomiting incident occurred on a 1975 Japan Air Lines flight. Nearly 200 passengers fell ill, 144 of whom were taken to the hospital. It was later found that some of the meals had been contaminated by Staphylococcus bacteria, which caused food poisoning.
When I divorced, I kept my last name to remain connected to my son.
After my ex-husband married a woman with a similar name, I wanted to change my name.
Instead of going back to my maiden name, I made up an entirely new name that helped me find myself.
I easily recall the lawyer saying he could change my name as part of the divorce proceedings. But it didn't make sense for me to take back my maiden name at that time.
While my husband and I didn't choose to remain married, my son and I were still a family. I wanted to have the same name as him and keep our connection.
I kept my married name for years until my ex-husband started dating a woman with a very similar name as me.
My ex-husband's second marriage changed things
When I realized that my ex-husband was going to marry the woman with a similar first name as me, I realized something shocking: She would also have the same last name as me, too.
I complained about the two of us having oddly similar first names with the same last name in therapy one day, and my therapist nonchalantly said, "You could change your name."
It was a flip remark, and I doubt he expected me to take it seriously, but I did. I became adamant about it. I liked the idea of coming up with something completely new and started exploring options.
The idea of creating a new name was intriguing
Of course, the natural and easy thing to do would've been to return to my maiden name. Except to me, going back to that name felt like I was going backward in terms of my life's evolution. I was a different person after my divorce, and I didn't wish to return to my pre-marital name. I'd grown beyond my family of origin, and rather than returning to that space and time by claiming my maiden name, I wanted to create something entirely new.
I called my girlfriends and asked them for feedback on what I should do and who I should become in light of this "opportunity" I faced. We had plenty of laughs while scheming names I could choose. I even pondered going completely rouge and having only one name like Cher or going all the way like Prince, who just had a symbol for his name.
I was certain that my new name had to feel good and reflect a new future.
One of my friends suggested I use my son's middle name, "Drake," as my last name. "Drake" gave me the new beginning I was searching for and kept me connected to my son, which was always my intent. We also laughed at the initials "M.D." and their air of importance.
My new name set the stage for a new identity
The first step to a new identity was creating and claiming a name. But the name change was much bigger than updating my records and getting a new Social Security card.
Beginning life with a new name started a more definitive individuation process for me — one where I came into my own as a woman, a mother, a professional, and eventually a business owner and author. It was a life where I learned what I wanted instead of taking on the likes and dislikes of my family. I also took steps to unlearn and reprogram the things I was taught that no longer resonated with my soul.
It was an unraveling of sorts that landed me a brand-new life.
My new name forged the way for me to follow the dreams of my heart and do things the pre-marital and married version of me never would've considered, like taking a massive pay cut to care for my mental health, selling my home and moving across the country, forgoing full-time employment in favor of entrepreneurship, and remaining single over having an unfulfilling relationship.
Choosing a new name was a practice in standing alone but connected to my son, bucking the system, and paving my way to a life I love.
Deborah Szekely is 102 years old and still works at her health resort, Rancho La Puerta.
Rancho La Puerta
Deborah Szekely, 102, still works at the wellness resort she co-founded in 1940.
Szekely shared her secrets to longevity including daily walks and having no regrets.
Her healthy habits are backed up by research.
At 102, Deborah Szekely still works three days a week at the health resort she cofounded over 80 years ago.
Szekely opened Rancho La Puerta in Baja California, Mexico, with her late husband in June 1940. She doesn't see her age as a reason to change, she told Women's World in May.
"When nature says, 'You got to stop Deborah,' Deborah will stop. Until then, she'll keep going," she told CNBC Make It on June 28.
Given that more people are living to 100 than ever before — the number of Americans aged 100 and over is projected to more than quadruple in the next 30 years, according to Pew Research Center — it's easy to see why longevity is a buzzy topic.
Szekely, who has structured her lifestyle to stay healthy, shared four tips on how others can do the same.
"The specific type of exercise doesn't matter; what matters is that you're pushing yourself enough to feel it, getting your heart rate up, and breaking a sweat. If you get really huffy puffy, you're doing a good job," Szekely said.
One 2019 study published in The BMJ found that people who were sedentary for 9.5 hours a day were about twice as likely to die early than those who did the most exercise, but any physical activity, regardless of intensity, was linked with a lower risk of dying from any cause.
Szekely walks at least a mile each day, which she likes to do in local parks, she told Women's World.
Eat healthily
Szekely is against fad diets and believes that food is a "way of life," she told Barrons. Dietitian Elena Paravantes previously told Business Insider that making gradual changes to your diet is the best way to start eating healthily.
Szekely has been a pescatarian since childhood and tries to eat "as fresh as possible," growing much of her own food on the ranch's farm.
Her daily breakfast consists of bananas and yogurt, according to Women's World, but she doesn't shy away from the occasional treat — her favorite is coffee ice cream.
BI previously reported on a 2020 study that found eating mostly plant-based whole foods is linked to lower blood pressure and a lower risk of heart disease.
Stay positive and have no regrets
"The world has tons of problems, and you can't do anything about them," Szekely told Women's World. "When you worry, you add to the problems. By not worrying, you subtract from the problems."
She also doesn't believe in looking back, she told CNBC. "That's a total waste of time. You can't do anything about it, it's done," she said.
Instead, she tries to reframe everything in a positive light and always look ahead, moving on from things she can't fix, she told Barrons.
Research suggests that a positive mindset and a tendency to look for silver linings are common traits of centenarians.
Get involved in the community
"Community survival is absolutely vital to longevity. The health and happiness of our neighbors are not only important; they are a requirement. Without the health of the things surrounding you, it's hard to be healthy," Szekly told Barrons.
A 2021 meta-analysis of studies published in Frontiers in Psychology found a link between having a support network and living longer. A 2024 study by researchers at Purdue University, Indiana, meanwhile, found links between positive relationships and longevity, and the ability to continue doing daily tasks such as walking, climbing stairs, or carrying groceries.
Universal basic income is quickly evolving from a fantastical idea into economic reality.
Several countries are testing it and figures like Elon Musk and MrBeast have endorsed the concept.
Here's an in-depth look at UBI, its origins, and its major benefits and costs.
Universal basic income has made giant strides from its origins as a utopian vision toward becoming economic reality.
Basic income trials have been conducted in countries as varied as Kenya, Finland, India, and Canada. Tesla's Elon Musk, YouTube star MrBeast, and former Labor Secretary Robert Reich are among the high-profile champions of the concept.
Yet the idea of handing out money with no strings attached strikes many people as alien, questionable, or even just plain wrong.
Here's a closer look at UBI, its history, and its potential advantages and possible downsides.
What is UBI?
A universal basic income is generally defined as a recurring cash payment to all individuals in a population regardless of their wealth, with no restrictions on how the money is spent and no repayment expected.
Experiments have been relatively small-scale, and many have targeted lower-income populations rather than everyone to keep costs down, garner political support, and maximize the payments' impact on poverty.
Where did the idea come from?
People have proposed variations of UBI since at least the 1500s, when Spanish humanist Juan Luis Vives called for everyone to be given food even if they'd gambled away their money, as he believed nobody should die of hunger.
American revolutionary Thomas Paine proposed a national fund in 1797 that would pay some money to citizens every year after they turned 21.
Dr. Martin Luther King Jr. touted the concept in 1967. The civil rights leader hailed it as a tool to redress historical racial discrimination and temper widespread poverty and unemployment in the Black community.
Legendary economist and free market champion Milton Friedman defended a similar idea: a negative income tax. He said it might help the poor without distorting the market, and lessen the government's role in determining who deserves support.
The list of proponents has expanded in recent years to include Sen. Bernie Sanders of Vermont, technocrat Andrew Yang, OpenAI CEO Sam Altman, and many other high-profile individuals.
Sen. Bernie Sanders.
Kevin Dietsch/Getty Images
What's the point of UBI?
Proponents of UBI say it reduces poverty, strengthens the social safety net, promotes health and happiness, and combats the stigma around welfare.
Simply giving people money can help them to afford basics like groceries, clothing, shelter, and transportation. Covering the costs of daily life has only grown harder in recent years, as food, fuel, and rent inflation has jumped to 40-year highs, and credit card, car loan, and mortgage payments have ballooned due to surging interest rates.
A guaranteed income can also give people the confidence, security, and freedom to know they won't starve or be evicted if they lose their jobs or quit. They might want to start a business, stay at home to raise their children, care for relatives, invest in training or education, or manage a sickness or disability.
Regular cash payments may help to relieve the stress and worry of paying bills, saving for college or retirement, or losing access to means-tested support. Basic income recipients in a Finnish trial reported higher life satisfaction, improved health, and lower levels of depression and loneliness.
Making universal payments might also lessen the stigma around receiving government benefits, avoid some of the costs and mistakes of administering means-tested support, and provide a safety net for the wealthy if they run into financial trouble.
As for Musk and other technologists, they predict that artificial intelligence will render millions of workers obsolete, making it necessary to provide a basic income for those out of work to survive.
What do critics say?
Critics say that UBI erodes the incentive to work, encouraging laziness and idleness. They also warn that recipients might waste the money on shopping, vacations, gambling, liquor, cigarettes, or drugs.
Other skeptics question why wealthy people should receive money they don't need, and caution that paying it for it would require higher taxes or budget cuts.
Dave Ramsey has criticized the concept as "straight out of the Karl Marx playbook." The personal finance guru and radio host bemoaned that people build character by overcoming challenges instead of getting bailed out.
It's quite possible that UBI saps work ethic. But it might also lead to higher wages, job satisfaction, and productivity, as people could afford to be more picky about employment and hold out for better pay.
"The evidence from trials is that participants tend to spend most of the money received on the basic needs of everyday life," Jack Kellam, the head of operations at Autonomy, told Business Insider.
Moreover, an analysis of 30 pilot programs in the US involving nearly 8,300 participants found more than half the cash grants went toward food and groceries, transportation, housing, utilities, healthcare, and education.
MrBeast donated $200,000 to a UBI program in Uganda.
Jeff Cheatham/HCK2
Other experts say people's spending shouldn't be scrutinized. Douglas MacKay, an associate professor of public policy at UNC-Chapel Hill, told BI that trying to control spending is "paternalistic" and fails to treat recipients with dignity — as adults and equals who are "fully capable of governing their own lives."
Moreover, there's strong evidence that poorer people don't use drugs, alcohol, or tobacco at higher rates than wealthy people, and drug addiction is often triggered by mental illnesses like depression.
"To the extent that UBI relieves people from misery, we should expect it would decrease 'vice' spending," Karl Widerquist, a philosophy professor at Georgetown University-Qatar and the author of several books about UBI, told BI.
As for the rich getting richer and the question of funding, Kellam said that most UBI advocates envision it alongside a more progressive tax system.
"Many of the wealthiest individuals would be 'net' losers in the system: though they receive payments, because they would be taxed more, they would overall be less well off," he told BI.
An open question
Universal basic income remains a largely theoretical idea that could have significant — and unpredictable — impacts on wealth inequality, human welfare, labor markets, and entire economies.
But tests and trials at different scales and across myriad countries and contexts are putting the concept through its paces, and promise to reveal whether it's an effective way to combat poverty, fight stigmas, deal with AI, and help people live healthier, happier, and more stable lives.
It's on social media platforms where disinformation and misinformation runs rampant. You can almost bet on it that any time major events become part of the public conversation, digital falsehoods swiftly circulate. Think of the COVID-19 pandemic and both the 2016 and 2020 United States presidential election cycles.
AI-generated so-called deepfakes are only exacerbating the problem and making it easier than ever to spread disinformation and misinformation via social media.
Legal experts told Business Insider that the only real way to combat misinformation and disinformation on social media is through the creation of new federal laws or the tech companies behind the platforms voluntarily ramping up their own self-regulation.
"AI means it's not just going to be words" that disseminate false information on social media, it's going to be videos and photos and audio recordings," said Barbara McQuade, a former US attorney and author of the book, "Attack From Within: How Disinformation Is Sabotaging America."
McQuade, a professor at the University of Michigan law school believes there needs to be new laws on the books to address this issue because "this is new technology that didn't previously exist."
"We may be reaching a point of awareness where people are beginning to understand the risk and the danger of it," McQuade said.
A recent federal assessment compiled by the US Department of Homeland Security warned of the threats AI poses to America's 2024 presidential election.
"As the 2024 election cycle progresses, generative AI tools likely provide both domestic and foreign threat actors with enhanced opportunities for interference by aggravating emergent events, disrupting election processes, or attacking election infrastructure," the analysis obtained by ABC News said.
Social media companies are protected from civil liability under a US law
Social media has largely gone unregulated since its birth nearly three decades ago. In the US, tech giants like Meta, X, and TikTok are protected from civil liability related to the content posted by their users and the companies' content moderation practices under Section 230 of the Communications Decency Act of 1996.
"It says they are not subject to legal liability, they are immune," McQuade explained. "And that probably made sense in 1996 when the goal was to foster innovation and investment, and here we are almost 30 years later, and we've seen some of the collateral consequences of this unregulated space."
So what's been the struggle for the government to address the issue of disinformation and misinformation on social media head-on? First Amendment concerns, pushback by Big Tech, and political will, have something to do with it, according to legal experts.
"It's hard to enact legislation, it's hard to define the terms" of misinformation and disinformation, it's hard to have agreement on what the proper intervention would be, and I think it's hard to craft something that's not going to have a First Amendment problem," said Gautaum Hans, a law professor, and associate director of the First Amendment Clinic at Cornell University.
"Any kind of regulation that targets speech has a very difficult barrier to constitutionality, so the issue there is you'd have to define disinformation or misinformation in a way that made it not covered by the First Amendment," said Hans.
Hans said he believes there's a "general skittishness about any legislator or any government official proposing something that could be deemed Orwellian in its attempt to try to create a regulation of protected speech."
"So most politicians, I think, are cognizant that it would be bad for their reputations to be seen as speech suppressive," he said.
Additionally, Hans noted, "there are benefits to certain political actors about the existence of misinformation."
Hans said he believes it is more likely that the remedies to misinformation and disinformation on social media will be found through the private practices of tech companies themselves instead of through the realm of law.
"I think that it is more likely to happen, and probably more effective in the long-term given the constitutional problems of legislative or regulatory intervention," he said.
Section 230 has been hotly debated for years
McQuade argued that social media companies would need to be incentivized to beef up their self-regulation on fighting misinformation and disinformation.
"I just think that you either need to put public pressure on them through consumers to make them change their behavior or through federal legislation," said McQuade.
McQuade proposed amending Section 230 in order to hold social media companies accountable under certain circumstances.
"The better course for regulating social media and online content might be to look at processes versus content because content is so tricky in terms of First Amendment protections," the former federal prosecutor said, adding, "regulating some of the processes could include things like the algorithms."
"I'm suggesting that perhaps Section 230 could be amended to provide for civil liability, you know, money damages if the social media companies didn't take certain precautions," she said.
Those precautions, McQuade said, could relate to the disclosure of algorithms and how private data is used, requiring users to label AI-generated material, and the removal of bots, which "are there to amplify false information."
"So I think that would be the way to sort of use a stick to get compliance by exposing" social media companies to legal liability for failure to comply with certain terms, said McQuade.
This would inevitably be challenged legally, and "they'd make it to the courts to see whether those laws would stick, but I think that's probably what it would require," McQuade said.
"Information is such an important resource, especially in a democracy," said McQuade. "And it seems that everyone should agree that when there is disinformation out there that is an obstacle to good government."
Section 230 has come under intense scrutiny over the years from both Republican and Democratic politicians alike.
Former President Donald Trump and other Republicans have argued the law gives Big Tech too much power to censor conservative voices, while Democrats like President Joe Biden have said it doesn't do enough to fight hate speech.
In a Wall Street Journal op-ed last year, Biden double-downed on calls to reform of Section 230.
"We need bipartisan action from Congress to hold Big Tech accountable," Biden wrote in the op-ed. "We've heard a lot of talk about creating committees. It's time to walk the walk and get something done."
The decision, which was written by conservative justices, stayed out of the fight over Section 230.
Major social media companies have their own misinformation policies
Many major social media companies, including Meta, TikTok and X, have their own policies when it comes to tackling misinformation and disinformation.
For example, Meta, which owns Facebook, Instagram, and Threads, says on its website that it removes misinformation "where it is likely to directly contribute to the risk of imminent physical harm."
"We also remove content that is likely to directly contribute to interference with the functioning of political processes and certain highly deceptive manipulated media," Meta says.
Meta says it focuses "on slowing the spread of hoaxes and viral misinformation" and requires users to disclose, using its "AI-disclosure tool," whenever they post content with "photorealistic video or realistic-sounding audio that was digitally created or altered, and we may apply penalties if they fail to do so."
"We may also add a label to certain digitally created or altered content that creates a particularly high risk of misleading people on a matter of public importance," says Meta.
In a May 2024 "adversarial threat report" by Meta, the company said, "So far, we have not seen novel GenAI-driven tactics that would impede our ability to disrupt the adversarial networks behind them."
TikTok says it does not allow "harmful misinformation" on its platform and says that it has "robust policies around specific types of misinformation like medical, climate change, and election misinformation, as well as misleading AI-generated content, conspiracy theories, and public safety issues like natural disasters."
X, the social media site formerly known as Twitter, says on its website that users "may not share synthetic, manipulated, or out-of-context media that may deceive or confuse people and lead to harm ('misleading media'). "
"In addition, we may label posts containing misleading media to help people understand their authenticity and to provide additional context," X says.
Jasmine Bell got paid $10,000 to move from Los Angeles to Tulsa, Oklahoma.
Courtesy of Jasmine Ball
Jasmine Ball didn't want to spend half her life sitting behind the wheel of her car in Los Angeles.
Ball, 32, found a program that paid $10,000 to move to Tulsa, Oklahoma, so she packed her bags.
Ball said she may never leave Oklahoma, which has a lower cost of living and better work-life balance.
This as-told-to essay is based on a conversation with Jasmine Ball, a 32-year-old financial planner who got paid to move from Los Angeles to Tulsa, Oklahoma, in 2020 with the Tulsa Remote program. The conversation was edited for length and clarity.
I had never heard of Tulsa in my life — of course, I'd heard of Oklahoma, but never Tulsa.
A YouTube video from a pastor out of Tulsa was how I heard about Tulsa itself. It piqued my interest.
I saw that it had a low cost of living, and then I found out about Tulsa Remote.
I was looking for places with a lower cost of living. I was comparing the cost of living in different states, and Tulsa popped up. I was researching a little bit more, and Tulsa Remote popped up.
I was like, "This looks good enough." And then decided to move.
I had already decided I was going to move there, and then I was looking at house prices and I told my dad I was going to buy a house. He's like, "You've not even been there."
I hadn't been there until I went there to look at houses. During that week-long stay in Tulsa, I found a house and put in an offer.
What really made Tulsa more interesting to me was the history of Black Wall Street.
Courtesy of Jasmine Ball
I thought, "How cool would that be — to be a financial company going to Black Wall Street, too?"
Obviously, it was super cool to have that program and the incentive, but it was only part of the decision to move there.
I knew I couldn't stay in California forever
I'm from Orland, California — it's the middle of nowhere. I went to college in Minnesota, came back to Northern California briefly, and then moved to LA.
I don't know if I would've started my own business staying in California — definitely not as quickly.
I started my own company in December of 2021, so I had been in Tulsa for about a year. I stayed with my other company remotely for a year before that.
If I had stayed, I think I would have just kept working for someone else. But once I went to Tulsa and created that distance, I was like, "Well, I might as well just do this myself." So I did.
Finances were a big factor. But what really prompted my thinking that living in Los Angeles was not long-term was that I would get up and leave the house at 4:30 a.m., and I wouldn't get home until 10:30 p.m., and do that every single day.
Half that time I was in my car driving, stuck in traffic. I thought, "I can't live my life like this."
I literally did the calculation; I would spend years of my life in my car. I didn't want to live like that. I can't imagine being here 60 years old, having spent 20 years driving, when I could be living life instead.
That was what prompted it.
The finances were obviously a big part of it, too. In California, finances were so tight that you had to grind all the time.
I decided that I didn't want to compromise. I wanted to have the finances that I wanted to have, but I also didn't want to have to grind to that extent.
Finding a place that could create a balance was really life-changing.
I have a house for nearly what I was paying for a room in LA
In LA in 2020, I was living with three other roommates — one was my sister, and the other two were friends.
There were four of us in this five-bedroom townhome, and the rent was $3,800 a month — which was actually pretty good.
My portion of that rent was $1,100 because I had the master bedroom.
I bought the house in Tulsa in November 2020, and it just sat vacant until I moved there in December.
It's a three-bedroom, two-bath house with a two-car garage, and my mortgage is $1,185.
The mortgage payment for Ball's house in Tulsa is only a little more than her share of rent was in LA.
Courtesy of Jasmine Ball
It was an opportune time to move because interest rates were about 2.25%, which is insane. So it was a no-brainer.
Utilities are significantly lower. I joke that I still have PTSD from the utility bills we used to get, especially growing up. I remember one summer we had a $600 electricity bill — that's ridiculous. In Tulsa, you can run your A/C all day and it's only $100 or $200.
Water, gas — everything is less expensive.
Gas in California is almost $5 a gallon, and in Tulsa, it's about $3. At the time I moved, it was, like, $1.70 and I was like, "What the hell?" I've never seen gas so cheap in my life.
It's not just the cost of gas, it's also time.
My time is able to be stretched much further in Tulsa than it was in LA. I can actually increase my income because I can increase my productivity because I'm not spending as much time doing unproductive things.
Tulsa has something as simple as parking. You can find free parking everywhere. It's always free after 5 p.m., and it's free on the weekends. Parking in LA is atrocious. You're lucky if you find a parking lot that's $10.
I don't think I'll ever leave Tulsa
There are free events all the time in Tulsa, like concerts in the park. If you want to do something, there's absolutely something to do — and it's likely free.
There are so many different suburbs of Tulsa that you can go to that have parades. I don't remember really ever coming across as much to do in LA.
I spend most of my free time in Tulsa doing one of two things: playing volleyball or volunteering.
California has the beach, but I never really played sand volleyball, mostly because it took too long to get to the beach. To get to Santa Monica on a bad day was an hour and a half. On a good day, maybe 45 minutes. And it just wasn't worth it after driving all week.
Tulsa has a couple of different volleyball leagues.
Courtesy of Jasmine Ball
In Los Angeles, it was hard to find places to volunteer. Sometimes there was a full application — a 10-step process — and you're like, "I just wanted to do something this one time to check it out."
But in Tulsa, it's super accessible.
I volunteer a lot at the Tulsa Dream Center. They handed out free groceries every Saturday over the pandemic — rain, snow, shine. So I just showed up every Saturday, and you didn't have to do any training. At least in Tulsa, they make it so easy — instead of finding barriers and reasons you can't participate.
I didn't necessarily move there thinking that I was going to leave, but I always told myself, "You can always go back." If this doesn't work out, I don't like it, I can always go back to California.
But the surprising thing is that I really love it.
I don't see myself moving anywhere else ever.
I love to travel, and I might buy more properties in other places. I was initially thinking Tulsa was more of an experiment for a home base. And then it turned out to be something that I really enjoyed.
The Ford F-150 Lightning pickup truck is one of the options available to Ford employees through the leasing scheme.
Josh Lefkowitz/Getty Images
Ford is trying to get its own employees to buy more EVs.
The automaker is changing its leasing scheme to encourage managers to go electric, per Reuters.
It comes as Ford's electric vehicle business battles struggling sales and substantial losses.
Ford is urging its managers to lease its EVs and share their experiences with their friends and family as it looks to drum up interest in these vehicles.
According to an internal company email viewed by Reuters, the automaker has changed its leasing policy for some employees to encourage them to buy the company's EVs.
Ford runs a leasing program that allows eligible current and former managers to order a supplementary vehicle after leasing a set number of cars, usually one or two.
According to the internal email, that supplementary vehicle must now be either an electric Mustang Mach-E SUV or an F-150 Lightning pickup.
A Ford spokesperson told Reuters that the move would help employees see how easy it is to drive an electric vehicle and encourage them to "share their experiences with friends and family."
Vehicles leased to Ford employees count as sales for the company, per Reuters.
Ford's EV business reported losses of $1.3 billion in the first quarter of 2024. To stem the bleeding, it has resorted to asking suppliers to come up with ways to cut manufacturing costs.
In an interview with CNBC's Julia Boorstinat the Aspen Ideas Festival in June, Ford CEO Jim Farley said it was critical that the Detroit automaker worked out how to make EVs profitable within the next five years.
"If we cannot make money on EVs, we have competitors who have the largest market in the world, who already dominate globally, already setting up their supply chain around the world," Farley said.
"And if we don't make profitable EVs in the next five years, what's the future? We will just shrink into North America," he added.
Ford did not immediately respond to a request for comment made outside normal working hours.
Do you work at Ford or have a tip? Get in touch with this reporter via email at tcarter@businessinsider.com.
Monaco is well-known as a playground for the rich.
GoodLifeStudio/Getty Images
Tourism is booming again, resulting in crowds of travelers at Instagram-worthy vacation hotspots.
But the uber-rich, willing to pay top dollar for the best service and amenities, prefer exclusivity.
These are some places where millionaires and billionaires like to recharge.
During the summer months, if you're not on vacation yourself, it feels nearly impossible to avoid seeing pictures or videos of everyone else's trips to popular hotspots.
"ever since i turned 20, someone is always in japan or Italy," one envious-sounding X user posted. "is it like this forever."
The answer: maybe it is. Tourism is expected to reach pre-pandemic levels in 2024, the United Nations World Tourism Organization reported. As such, travelers of all tax brackets are looking for a getaway.
Searching Mykonos or Tulum on TikTok will yield thousands of travel videos that include 20-somethings on girls' or guys' trips and guides on how to avoid the large crowds. But while both destinations still attract several million tourists yearly, some ultra-rich vacationers seek more exclusive locations away from the hoi polloi.
Two big lures for the very wealthy are privacy and top-notch service, however "extra" the request. Travel writer Alexa West — who also spent time as a nanny for a rich family — said that "the ultimate indulgence is spending lavishly on vacations without a care for the cost."
"It's not just about luxury; it's about the experience of your every wish coming true," West said.
Here are four alternative vacation spots for the mega-wealthy.
Aman Resorts
Amangiri in the US's Utah.
Courtesy of Aman Resorts
Aman Resorts is a global hotel and resort chain focused on wellness and known for its steep prices. Its Utah-based site, Amangiri, has hosted A-list celebrities like Kylie Jenner and Justin Bieber who want a break from the public eye.
The desert oasis offers amenities such as hiking, an iconic pool, and wellness classes. For one night this summer, rates for its Amangiri Suite can reach more than $9,000. If Utah is too hot, however, Aman has sites worldwide.
Andermatt, Switzerland
Andermatt is known for its golfing and skiing.
Valentin Luthiger
Andermatt is home to the Chedi Hotel, considered one of the most luxurious hotels in the Alps. During the snowy months, it's a ski town for the uber-wealthy, but it also offers a championship golf course to visitors seeking some fresh Alpine air in the summer.
The Chedi has a sprawling spa, a two-Michelin-starred restaurant (as well as other restaurants, including one at 2,300 meters), and access to all the outdoor activities that the region is known for.
Monaco
Monaco is well-known as a playground for the rich.
GoodLifeStudio/Getty Images
Monaco hosts lavish events that attract billionaires from around the world. Its casinos, luxury shopping, and excess of yachts make it "a playground for the ultra-rich," according to West.
"It's where you can have a suite overlooking the Grand Prix circuit or dock your superyacht next to royalty," she told BI.
The Monaco Yacht Show, held in September, also attracts the wealthy who might want to buy a vessel.
Outside tourism, Monaco is reportedly the world's most expensive place to rent, a recent analysis by global real estate agency Knight Frank found. According to The Wall Street Journal, a 1,200-square-foot apartment would require a monthly budget of $30,000.
Yachts
Grateful, a superyacht that went on sale for $15.9 million, can host 10 guests.
Courtesy of Fraser Yachts
Five-star hotels have attractive amenities, but luxury yachts unlock another level of privacy and mobility for those rich enough to own or charter one.
Instead of being bogged down by tourists in Mykonos, those aboard a yacht can simply dock at a Greek island of their choice and experience local culture. They can then sail to other Mediterranean summer hotspots like St. Tropez, Sardinia, and more.
"This level of autonomy was what drove a huge surge of in the superyacht market during and immediately following the pandemic," Heesen Yachts chief commercial officer Mark Cavendish said.
But such luxury comes at a very high price. Even chartering a superyacht requires a multimillion-dollar budget.
For example, the Carinthia VII, a 97-meter superyacht that sleeps 12 and is available for charter from Fraser Yachts, has a summer rate of over $1.5 million a week.