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Like Elon Musk, he coded at 12 and rose to Google CMO—now warns Gen Z AI has made the skill obsolete



Learning to code was once the fast-track ticket to success. It’s the self-taught skill that launched the careers of Bill Gates, Mark Zuckerberg, and Elon Musk. Even former President Barack Obama urged young people to learn to code. But according to one former Google CMO who started coding at 12, AI has just killed it.

Alon Chen built a $2 billion product line at Google by 28, walked away from a seven-figure equity package, and went on to found Tastewise—an AI food intelligence company now trusted by PepsiCo, Nestlé, and Mars. He knows better than most what it takes to make it in tech. And he’s no longer recommending coding as the way in.

“Coding is becoming obsolete. It’s not needed today,” Chen told Fortune. “What’s needed today, more than ever, is creativity and resourcefulness and execution. There is no need to write code anymore.”

His explanation for why is simple: it’s not that technical skills don’t matter. It’s that the tools have democratized them. “You can operate an extremely successful business without having any ability to write even one line of code,” he said.

He’s got a point: Zuckerberg said that AI will be writing all code by this year. At Microsoft, AI is already writing 30% of the tech giant’s code.

And it’s not just coding, Chen went as far as to say all “technology [skills] is almost becoming obsolete.” He suggested Gen Alpha would even be better off leveraging their ice skating skills in the current climate.

Elon Musk and Mark Zuckerberg don’t just have coding in common—they also started out as teenagers

If not coding, then what? Chen’s answer is less Silicon Valley and more old-fashioned: follow your passion, and follow it hard. “What’s needed today, more than ever, is creativity, resourcefulness and execution.” 

Take Chen, for example. After teaching himself to code, he built computers while other kids played—by 15, he already had a thriving business, selling computers to small- and medium-sized businesses across Israel. 

Like him, Gates learned to code around 13, sneaking into his school’s computer lab at night to practice. Zuckerberg had built his first networked software, “ZuckNet” at 12. Musk taught himself BASIC at 10, sold his first video game two years later for $500. 

That early hunger for ambition, Chen said, is far more valuable than any single technical skill. “Starting young with a lot of responsibility was something that built up my characteristic today as an entrepreneur,” Chen said. “You need so much resilience, if at 15 years old, you have so many clients calling you because their business cannot be running and operating, and you need to troubleshoot…”

The tools will change. The skills will evolve. But being able to see an opening, teach yourself what you need, and launch before your competition is still in class is a sure-fire way to get ahead.

He points to his own nephew as proof. At 15, the teenager spotted a gap in the gaming market and started buying and selling player profiles across Telegram and Instagram—no tech degree, no investors, just a niche he cared about. “That’s his passion,” Chen says. “His passion is gaming, and he really thought it was a good idea to make a business out of it.”

His advice to Gen Z? Copy him, Musk, and his nephew. Find a passion—and go hard on that as early as possible. Thanks to AI, he says, this has never been easier. “Are you a roller skater? Do you love fashion? Can you 3D print? Technology is almost becoming obsolete—it’s all about finding what’s really motivating you, and going all the way.”

AI has turned creativity into the new competitive edge

Creativity is the new coding. Chen is far from alone in making this case—and it’s a long-overdue win for the skill that corporate America spent decades telling people wasn’t serious.

Billionaire former PayPal CEO Peter Thiel previously warned that AI is a bigger threat to technical roles than to creative thinkers. And the data is already proving him right.  

IBM’s research highlights that there is now a “premium on creativity,” with innovative thinking among the most prized qualities in the workplace. 

It’s a shift Snowflake’s CEO predicted in Fortune late last year: once AI handles execution, the only thing left to compete on is the quality of your thinking. “In 2026, as execution becomes commoditized, strategic thinking and vision will separate high-performing organizations from the rest.”

It’s already showing up in the jobs market too. LinkedIn’s Skills on the Rise 2026 report—which tracks the fastest-growing skills in the U.S.—found surging demand for communication and creative thinking. In fact, a LinkedIn spokesperson told Fortune that job postings mentioning “storytellers” have doubled over the past year alone. 

In a sharp U-turn away from STEM, the arts kids are having their moment—and the salaries are finally catching up.

Anthropic was just hiring for a head of product communications with a listed $400,000 salary; Netflix was offering between $656,000 and $1.2 million for a senior director of communications; And McKinsey global managing partner Bob Sternfels recently told Harvard Business Review that AI has a problem solving limit, so now it’s “looking more at liberal arts majors, whom we had deprioritized, as potential sources of creativity.”

Goldman extends borrowing run with $6.5 billion bond sale



(Bloomberg) — Goldman Sachs Group Inc. raised $6.5 billion from a US investment-grade bond sale, extending a borrowing spree that included a record debt offering earlier this year.

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The deal tested investor appetite after a surprise drop in the investment bank’s bond-trading revenue overshadowed stronger-than-expected first-quarter earnings, sending its shares lower.

Being a diversified global bank, Goldman Sachs was “broadly seen favorably as a relatively safe haven type of credit,” said Tony Trzcinka, an investment grade portfolio manager at Impax Asset Management.

Pricing tightened by about 0.25 percentage point across its two fixed-rate tranches, according to a person with knowledge of the matter, putting the spread on the longest maturity due in 2034 at 1 percentage point. The offering also had a floating-rate note.

Trzcinka added that pricing on the eight-year bond was “attractive” relative to similar Goldman notes in the secondary market.

Proceeds from Monday’s sale will go toward general corporate purposes, added the person, asking not to be identified because discussions are private.

Goldman led first-quarter debt issuance among Wall Street banks with two deals, including a record $16 billion sale as it locked in historically low spreads over Treasuries. AI disruption fears and Iran war fallout have increased market volatility, making the borrowing environment more challenging.

Banks are set to dominate this week’s projected $40 billion of US investment-grade bond sales, though issuance is expected to slow for the group this quarter after $65.8 billion of notes were priced in the first three months of 2026.

“The big six US banks may have front-loaded 2026 issuance before AI and Iran concerns raised the cost of debt,” Bloomberg Intelligence analysts Arnold Kakuda and Nicole Castelblanco said last week in a note. “The bonds of the biggest US banks may be sensitive to stagflation anxiety, along with growing asset-quality concerns about private credit and their exposure to software loans,” they added.

Goldman’s fixed-income, currency and commodities trading revenue was $4.01 billion in the first quarter, according to a statement Monday. That was more than $800 million below the consensus of analyst estimates compiled by Bloomberg and 10% below year-earlier levels.

The bank also warned investors that its backlog of fees decreased slightly compared to the previous quarter.

Goldman’s sale was the only deal in the US investment-grade market on Monday.

(Updates with deal’s pricing and adds comments starting in the third paragraph.)

More stories like this are available on bloomberg.com



Global Fintech Wise Prepares For Primary US Listing On Nasdaq Next Month Following Steady Q4 Performance


UK based cross-border payments Fintech Wise (LON:WISE) is set to complete its long-anticipated move of its primary stock market listing from London to the United States in May, marking a significant milestone for the fintech company. The shift, which will see the firm establish its main trading hub on Nasdaq while keeping a secondary listing on the London Stock Exchange, comes amid continued momentum in its core business operations.

According to the company’s latest quarterly trading update released on 13 April 2026, Wise delivered steady business growth across key metrics in the fourth quarter of its 2026 financial year.

Cross-border transaction volumes climbed 26 per cent year-on-year (27 per cent at constant currency) to reach £49.4 billion, while the number of active personal customers rose 22 per cent to 11.3 million.

Wise Business customers expanded even faster, increasing 26 per cent to 572,000, with associated business volumes surging 35 per cent.

Revenue growth remained impressive. Underlying income for the quarter totalled £435.3 million, up 24 per cent from the same period a year earlier on both reported and constant-currency bases.

The Fintech company also highlighted growing diversification through its Wise Account product, with customer balances climbing 37 per cent to £29.4 billion and card-related plus other revenues advancing 29 per cent.

For the full financial year, active customers reached 18.9 million (up 21 per cent), driving cross-border volumes to £181.7 billion (up 25 per cent) and underlying income to £1,609.2 million (up 18 per cent reported, 19 per cent at constant currency).

Wise executives noted that the cross-border take rate eased slightly to 51 basis points, reflecting deliberate investments in pricing and product development to fuel future expansion.

The Fintech firm continues to guide toward an underlying profit-before-tax margin at the upper end of its 13-16 per cent range for the full year, even after accounting for costs tied to the listing transition.

Full-year 2026 results will be presented in US dollars under US GAAP, aligning with the impending change in primary market.

The dual-listing strategy was first proposed in June 2025 and received overwhelming shareholder approval in July 2025.

Wise believes the move will enhance visibility among US investors—the company’s largest growth opportunity—improve liquidity, and provide access to deeper capital markets, ultimately accelerating its ambition to become the leading global network for international money movement.

A registration statement has been filed with the US Securities and Exchange Commission (SEC), and the company remains on track for the 11 May 2026 Nasdaq debut.

Co-founder and CEO Kristo Käärmann commented that the firm is making steady progress toward its vision, citing recent infrastructure milestones such as membership in Payments Canada and the launch of a UK current account with a physical presence on London’s Oxford Street.

“More and more people are using Wise for everyday spending, bills, savings and investments,” he said.

Clearly, the relocation move by Wise (formerly doing business as Transferwise) underscores broader trends in the fintech sector, where high-growth companies seek the valuation premiums and investor base often associated with much larger US based exchanges.



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United CEO has pitched possible combination with rival American



United Airlines Holdings Inc. Chief Executive Officer Scott Kirby has floated a possible combination with American Airlines Group Inc., according to people familiar with the conversations, an audacious proposition that would face intense scrutiny even under the business-friendly Trump administration. 

Kirby has pitched the idea to senior government officials, though it’s unclear if any overtures have since been made or if an actual process is underway to explore a deal, according to the people, who asked not to be identified because the conversations are private. 

A spokesman for United Airlines declined to comment, as did officials at American Airlines.

United and American are among the top four US carriers, together controlling more than a third of the market. A combination would create the largest airline on the planet. As a result, any merger between the two aviation giants would pose serious antitrust concerns and likely face significant backlash from consumers, politicians and rival US airlines.

At the same time, the deliberations show how recent market upheaval has brought the possibility of consolidation to the fore. Kirby told employees in a memo last month that the carrier would benefit from any shakeout in the industry as part of rising oil and fuel prices, potentially providing purchase opportunities.

“We’ll be there to pick up some of those assets, might be a win-win for them,” Kirby said in a Bloomberg Television March 24 interview in Los Angeles. Asked if that would mean buying entire companies, he said “we’ll see, there’s lots of rumors about that.” 

For Kirby, a deal involving American Airlines would also be personal. Kirby was previously president of American, but left after it was made clear he didn’t have a path to becoming the carrier’s CEO. Kirby joined United as president in 2016 before rising to the top job.

The two companies have engaged in a continuous exchange of strategic one-upmanship, particularly at Chicago’s O’Hare International Airport, where they’ve battled over gate access and market share.

Kirby has also faulted American Airlines for being too late and too slow to add more premium products, which have proven popular and lucrative at United and Delta Air Lines Inc. 

The United CEO’s considerations come as airlines are grappling with higher jet fuel prices due to the US-Iran war and the effective closure of the Strait of Hormuz, a key passageway for oil transports. Kirby has already responded by taking some capacity out of the market, saying he wants to be prepared for potential cost increases. 

US airline mergers have to be reviewed and approved by the Transportation Department, as well as the Department of Justice. Transportation Secretary Sean Duffy said the government would look at a number of factors when considering potential tie-ups, including the impact on competition — both domestically and globally — and ticket prices. 

“President Trump, he loves to see big deals happen,” Duffy told CNBC on April 7. “Is there room for some mergers in the aviation industry? Yeah, I think there is,” he said. 

However, Duffy added that he wouldn’t “pre-commit to anything.”

He also said if there is a merger between two larger airlines, they’ll have to “peel off” some of their assets because the US doesn’t want to see one carrier with too much market share, which could drive up consumer prices.

The Top 10 States For Cash Flow—And Why Property Taxes Can Make or Break You


Real estate taxes are like piranhas constantly chomping away at the meat and bones of cash flow. There’s no way around them, and failure to pay can result in city liens and possible foreclosure. No one said real estate investing was easy.

That’s why finding a low real estate tax state that is still affordable and has decent rents and lower insurance rates is the Holy Grail of investing. However, they’re not a dime a dozen. 

After spending hours number crunching, you might feel you’ve got a better chance of stumbling across a unicorn foal. Don’t worry, they do exist, and once you’ve locked them down, they could end up paying you in cash flow for years to come.

The National Property Tax Picture In 2026

Effective property tax rates in the U.S. range from under 0.3% in the lowest-tax states to more than 2% in the highest. New Jersey leads the list with a rate of around 2.23%, while Hawaii ranks last at around 0.27%.

Property taxes are levied annually by your local government, based on your home’s assessed value. They are collected by cities, counties, and school districts to fund services that keep communities running. Thus, the common analogy is that the higher the taxes, the better the neighborhood, because homeowners are paying for higher-quality services (better-funded schools, roads, parks, etc.).

Generally, these high-tax areas are dominated by single-family homes and have few rentals. Property taxes fund about 27% of all state and local revenue as of 2022 numbers. It’s worth noting that property tax values are worked out by multiplying the rate by the value of the home. So, high-value markets can still generate high tax bills even though they might have low tax rates on paper.

The average U.S. household pays about $3,119 a year in property taxes, with effective rates of 1.5% common in the Northeast and Midwest, including New Jersey, Illinois, Connecticut, Wisconsin, New Hampshire, and Vermont.

Where Low Property Taxes Help Rentals Cash Flow

For real estate investors, the most attractive states are often characterized by low tax rates, reasonably priced housing, and high rental demand. Low property tax states, according to a SmartAsset 2025-2026 ranking, included Hawaii, Alabama, and Colorado, with rates well below the U.S. average of roughly 0.89% on this metric.

For example, Alabama’s effective property tax rate is about 0.38%, with a median home value of around $232,106 and a median annual tax bill of $1,249, making it one of the least expensive states in terms of its ongoing tax burden.

According to SmartAsset, the 2026 property tax ranking specific to homeowners and investors ranked the following states as having the lowest average effective property tax rates: 

  • Hawaii
  • Alabama
  • Colorado
  • Nevada
  • South Carolina
  • West Virginia
  • Arizona
  • Arkansas
  • Idaho
  • Utah 

The Most Landlord-Friendly States When Property Taxes Are Considered Along With Local Landlord-Tenant Rules

DoorLoop compiled a list of the most landlord-friendly states by combining property taxes with other essential factors such as eviction laws, rent control regulations, security deposit regulations, tenant rights and protections, and state and local legislation, and found the 15 most landlord-friendly states in 2025 were:

  1. Texas
  2. Indiana
  3. Florida
  4. Georgia
  5. Arizona
  6. North Carolina
  7. Ohio
  8. Alabama
  9. Illinois
  10. Colorado
  11. Kentucky
  12. Louisiana
  13. Michigan
  14. Pennsylvania
  15. West Virginia

The Other Cash Flow Killer: Insurance

However, being landlord-friendly and cash flowing are often two entirely different metrics. A home in a state with low property taxes but high-priced real estate and moderate rents, regardless of the landlord-tenant rules, might not cash flow, whereas a state with substantially higher rents might, even if the other metrics are higher, too.

There’s always insurance to consider, too. As extreme weather events have become more prevalent, insurance has started to take a larger bite out of investors’ cash flow. The best cash-flowing states in 2026 tend to be those with low property taxes and insurance and solid rents. 

If it all seems a bit like threading a needle in a hurricane, fear not—there’s a method to the madness and a way to discern where you are likely to eke out some decent cash flow, despite the swirling data storm.

Let’s start by crossing Florida and California off the list of places you are likely to cash flow, given current insurance rates there. In California, despite high rents, acquisition costs are likely to hammer another nail into the cash-flow coffin.

Crunching all the data (rents, taxes, and insurance), the top 10 cash-flowing states for small landlords are:

  1. West Virginia
  2. Alabama
  3. Arkansas
  4. South Carolina
  5. Tennessee
  6. Arizona
  7. Nevada
  8. Idaho
  9. Utah 
  10. Colorado

These states offer a mix of relatively affordable home prices, average or better rents, and comparatively modest recurring costs, leaving the largest gap between gross rents and the monthly “nut” that landlords must cover.

The Top 10 Cash Flow States Factoring in Property Taxes, Median Price, Typical Rents, and Insurance Costs

Rank State Property Taxes (level) Median Price (level) Typical Rents (level) Insurance Cost (level) Overall Cash Flow Score*
1 West Virginia Very low Very low Moderate Low-moderate Excellent
2 Alabama Very low Low Moderate-good Moderate Excellent
3 Arkansas Very low Low Moderate Moderate Very strong
4 South Carolina Low Moderate Good Moderate Very strong
5 Tennessee Low-moderate Moderate Good High-moderate Strong
6 Arizona Low Moderate-high Good Moderate Strong
7 Nevada Low Moderate-high Good Moderate Strong
8 Idaho Low High Good Moderate Solid
9 Utah Low High Good Moderate Solid
10 Colorado Low High Good Moderate Solid

“Overall cash flow score” is a qualitative roll-up of:

  • Taxes (SmartAsset, reAlpha, Realtor.com low-tax rankings)
  • Median home prices (WorldPopulationReview/Bankrate 2026 median price data)
  • Statewide average rent levels (WorldPopulationReview/RentCafe/Apartments.com 2026 data)
  • Homeowners insurance (2026 state-by-state averages)

Final Thoughts

Some of the most cash-flowing states on paper, such as West Virginia and Alabama (low tax bills, median annual insurance, and rent costs that can exceed $1,100-$1,300 a month in many markets), are hardly the most glamorous. Appreciation and the tenant pool here might be limited, so investing is never an exact science where cash flow always wins the day.

The cash flow analysis doesn’t count for much if there is a poor job market and tenants can’t pay the rent, or if a high crime rate means the tenant pool is likely to give you sleepless nights. War zones always look cash-flow positive on paper because they are cheap—but they’re terrible investments. 

Still, a basic cash flow analysis based on the data used here is a good starting point, from which the other, more fluid factors must be accounted for.

Dozens detained in New York City protest over US arms sales to Israel




Dozens detained in New York City protest over US arms sales to Israel

New Amex Offer for AT&T Wireless, Save $50 on Your Bill


Amex Offer for AT&T Wireless

Check your American Express credit cards for a new Amex Offer that can save you $50 on your AT&T Wireless bill. You may find this offer on consumer and business credit cards. Check out the full details below.

Offer Details

With this Amex Offer you can earn a one-time $50 statement credit by using your enrolled eligible Card to purchase a new qualifying AT&T wireless plan at att.com/MobilityAMEX and make a single payment of $65 or more by 6/30/2026.

Offer and availability may vary by cardholder. Just login to your American Express account(s) to see if you are eligible to add this offer to your card(s).

Important Terms

  • Offer valid for new qualifying AT&T Wireless plan online only at US website att.com/MobilityAMEX.
  • Valid one time only for new AT&T Wireless customers who purchase an elig. wireless plan (min. $65/mo. after discounts).
  • Payment must be made directly with the merchant.
  • Offer not valid on any smartphone, AT&T Prepaid, or Cricket Wireless products or services.
  • Add’l charges, usage, speed & other restr’s apply. Taxes, fees, other charges & restrictions may apply.
  • Not valid on purchases shipped outside of the US. See merchant website for shipping policy. 

About Amex Offers

Amex Offers are an extra perk on all American Express credit cards, charge cards, and even prepaid cards. You can see these offers in your accounts either as a statement credit or extra Membership Rewards points for spending a certain amount at eligible merchants. You will need to add the offer to a specific card first, and then use that card to get the credit. Here are a few things you should know:

Guru’s Wrap-up

This is a great offer that we have seen in the past. You need to charge $65 or more on your card in order to get a $50 credit. The terms state that you need to use it for a “new qualifying AT&T Wireless plan”, but in the past it has always worked for existing users and even some other AT&T services like AT&T Fiber.

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Top brokers aren’t waiting — they’re closing deals in a tough market, exec says


“The professionals taking share right now don’t just quote numbers, they deliver clarity,” Fisher said. “They walk buyers through the full picture: the real payment, the real path, the real opportunity. They make homebuying feel possible when everything else is telling people to wait. This isn’t a demand problem. It’s a confidence gap.”

Fisher said brokers who adjust their mindset as to what the end goal is for the new homeowner, rather than focusing on a shifting mortgage rate, will find an abundance of deals even in a tight market.

“The professionals winning in this market aren’t just selling mortgages,” she said. “They’re guiding people home. That’s always been the job. In this market, however, it’s more visible who’s actually doing it. Rates will move with the market. They always do. But the bigger issue is mindset. Too many brokers and lenders are still waiting for a better market instead of learning how to win in this one.”

She’s seen too many in the industry planning for what they hope happens down the road instead of what is happening now. The ones who play the hand they are dealt will be the trusted advisors that clients need.

“The professionals who are growing right now made a decision to operate in the market we have, not the one they’re hoping for,” Fisher said. “If rates improve, that’s upside. But building your business around waiting is not a strategy. Now is the time for brokers to invest in themselves—strengthen operations, train their staff, and master the tech that increases efficiency and delivers a better client experience.

Types of Business Environment #Business #environment #shorts



Types of Business Environment #Business #environment #shorts

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