Delta halted all congressional flight perks as TSA shortages and the shutdown pushed airports into chaos.
Home Blog
From Resumes to Salary Negotiations, Here’s How Gen Z Workers Rely on Parents
Gen Z is entering the workforce in a job market defined by uncertainty, rapid change, and higher expectations for how quickly early-career employees should perform. Many are meeting that challenge with a new kind of support system: their parents. Zety’s Career Copiloting Report reveals the surprising ways parents are guiding Gen Z through the job market. From first applications to negotiating…
Adobe faces an AI-era test as investors and creatives pull from opposite sides
At Adobe, the AI era is a test of whether a company built on iconic creative tools can remake itself fast enough to remain indispensable without losing the professionals who made those tools matter.
Anil Chakravarthy is at the center of that effort. The former Informatica CEO now leads Adobe’s customer experience business as the company faces mounting pressure to stay ahead of the disruption bearing down on products such as Photoshop, Illustrator, and Acrobat. Such pressure has also shown up in Adobe’s stock. Despite record first-quarter fiscal 2026 revenue of $6.40 billion, its shares have fallen as investors worry that fast-moving AI agents and other new tools could weaken demand for parts of the traditional seat-based software model.
The concern underlying both pressures is the same: Adobe has to keep pace with AI without undermining the trust of enterprise customers that depend on its software for critical business functions. Chakravarthy points to moments like the Super Bowl and the Olympics, when Adobe systems are expected to perform flawlessly under intense pressure. In those environments, he says the challenge is determining which parts of the company should move at AI speed and which must still move at the pace of customer trust.
“The fastest moving AI models and the AI companies, let’s say they’re moving at 100 miles an hour,” Chakravarthy says. “The customers are moving at 10 miles an hour.”
Caught between speed and trust
That gap leaves Adobe in a difficult position. If it moves too slowly, it risks looking dated in a market being reshaped by AI. If it moves too quickly, it risks weakening the reliability that large customers still pay for. Inside a company of more than 30,000 people, that split can create what seems like “whiplash,” as teams are pushed to move at AI speed without disrupting the software customers depend on.
“If we just move only at their speed, then we’re going to be slow, and we’re not going to be their trusted partner three years from now,” Chakravarthy says. “If we move completely at 100 miles an hour, like the AI is moving and break everything, including the software that currently works for them today, well, we won’t be their trusted partner three years from now either.”
That tension has grown more significant since Adobe said last month that longtime CEO Shantanu Narayen will step down once a successor is found. The transition has focused internal attention on whether the company’s future depends more on preserving its creative DNA or on doubling down on the enterprise discipline required to navigate the AI shift.
Either way, the stakes are rising as Adobe tries to satisfy enterprise customers, reassure investors, and hold on to a creative community wary that the company is prioritizing scale and efficiency over craft.
A company moving at two speeds
Chakravarthy sees the current moment as a genuine platform shift, on the scale of the move from mainframes to client-server computing, then to the internet, and now to mobile. But this transition poses a more destabilizing question for incumbents. The issue is no longer whether software includes AI. The question is whether conventional SaaS products will still feel current a few years from now.
For Adobe, that implies something larger than a product refresh. The company built its empire on powerful tools that users controlled directly. The model now taking shape gives software a more active role within the workflow itself, carrying out tasks and advancing work rather than waiting for instructions at every step.
Already, AI has lowered the barrier to producing content. Users can generate images, videos, copy, and campaigns with a growing number of tools with startling ease. As that capability becomes commonplace, the question shifts from who can produce content fastest to why anyone still needs an expensive, sophisticated software stack at all.
Chakravarthy’s answer rests on the distinction between generation and execution. Producing content is becoming easier, he acknowledges. Turning that draft into something a company can actually use, trust, govern, and recognize as its own is harder. That is where Adobe is trying to place its value.
“The more ubiquitous base capabilities become, the harder it actually becomes to differentiate and stand out,” Chakravarthy says. “And that’s where we believe we will continue to have a very vital role to play.”
The fight over what still matters
In that view, AI does not eliminate the need for software so much as shift its value toward brand consistency, workflow integration, enterprise controls, and creative distinctiveness. In a market crowded with capable models and fast-moving startups, the stronger position may lie in helping customers personalize content at scale without sacrificing quality. Chakravarthy argues that this is a more durable place for an enterprise company to compete than simply producing the cheapest image or fastest draft.
That logic may make sense in the boardroom. It is less reassuring to many of Adobe’s core creative users, who worry that in trying to serve everyone, Adobe could weaken the depth and control that made its tools indispensable in the first place. Creatives have been blunt about Firefly, Adobe’s generative AI system for creating and editing images and other content built into its products. Some question how the models were trained, whether copyrighted work was used, and whether tools like this will reduce the value of human creative labor.
That tension runs through the company’s public posture on AI. Adobe wants to present its new tools as accelerants for creativity rather than replacements for it. It wants to promise greater speed without implying that skill matters less, and it wants to reach a broader user base without signaling to core professionals that AI will devalue their work. Those are difficult positions to hold at once, especially as AI economics push software companies toward automation and volume.
Still, Chakravarthy’s bet is that originality, identity, and taste matter more when everyone can make content quickly and cheaply. In that world, Adobe does not need to win by being the only company that can generate content. It needs to win by helping customers turn generated material into work that feels unmistakably their own.
Capital One Transfer Bonus, Get 30% More Japan Airlines Miles
Capital One has a new transfer bonus that kicked off today. You can currently get a 30% bonus when you transfer your Capital One Miles to the JAL Mileage Bank program. This is a newly added partner, and the extra bonus gets you close to a 1:1 transfer. Let’s see the details.
Capital One Transfer Bonus for Japan Airlines
Limited Time Offer: Eligible cardmembers can transfer Capital One Miles to JAL Mileage Bank (JMB), Japan Airlines’ frequent flyer program and receive a 30% bonus. Promotion ends 11:59PM Eastern Time on 04/30/2026.
Here are some important details about this Capital One transfer bonus for Japan Airlines miles:
- Transfers are often completed within 24 hours, however the process may occasionally take up to 5 business days.
- Transfers require a minimum of 1,000 Capital One Miles.
- First and last name on your Capital One account and loyalty partner account must match.
- JAL miles expire after 36 months.
Capital One Transfer Partners
Customers will need to transfer a minimum of 1,000 Venture X, Venture X Business, Venture or Spark Miles at a time to travel loyalty programs, and will need to transfer in 100 mile increments.
If you’re an eligible Capital One cardholder, you can transfer your rewards by signing in to your account online or through the Capital One Mobile app. Once you’re signed in, navigate to the rewards section button and select the option to transfer your miles. Before you confirm, remember that there’s no way to transfer miles back into your Capital One rewards account.
| Partner | Ratio |
|---|---|
| Accor Live Limitless | 2 : 1 |
| Aeromexico Club Premier | 1 : 1 |
| Air Canada Aeroplan | 1 : 1 |
| Air France KLM Flying Blue | 1 : 1 |
| Avianca LifeMiles | 1 : 1 |
| British Airways (Avios) | 1 : 1 |
| Cathay Pacific Asia Miles | 1 : 1 |
| Choice Hotels (Choice Privileges) | 1 : 1 |
| Emirates Skywards | 1 : 1 |
| Etihad Airways Etihad Guest | 1 : 1 |
| EVA Air Infinity MileageLands | 2 : 1.5 |
| Finnair Plus | 1 : 1 |
| I Prefer Hotel Rewards | 1 : 2 |
| Japan Airlines Mileage Bank | 2 : 1.5 |
| JetBlue TrueBlue | 5 : 3 |
| Qantas Frequent Flyer | 1 : 1 |
| Qatar Airways Privilege Club | 1 : 1 |
| Singapore Airlines Krisflyer | 1 : 1 |
| TAP Air Portugal (Miles&Go) | 1 : 1 |
| Turkish Airlines (Miles&Smiles) | 1 : 1 |
| Virgin Red | 1 : 1 |
| Wyndham Rewards | 1 : 1 |
Guru’s Wrap-up
This is a good opportunity for those who need to add more JAL miles to their accounts. Japan Airlines was added as a Capital One transfer partner last year (with the same 30% bonus), and the only other partner is Bilt. So transfer option are quite limited.
However the standard transfer ratio from Capital One to Japan Airlines is 4:3, so this bonus will get you 975 JAL Miles for every 1,000 Capital One Miles that you transfer.
I always suggest not to transfer points speculatively. As with all Capital One transfers, once you move your miles to JAL, the move is permanent and cannot be reversed. In this case you should also keep in mind that JAL miles expire after 36 month with no option to extend through any activity.
HT: Anki
How to Invest in 2026: Don’t Fight the Fed
⭐ Visit our Patreon to see what I’m investing in for 2026 and more investing content:
📘 My Book on Wealth-Building is Now on Amazon
English Version:
Spanish Version (Español):
💵 FREE STOCKS:
Receive FREE STOCKS (as a sign-up bonus) when you open a free stock market account.
💵 Need a Small Business Loan?
We can help you get financing at ClearValue Lending:
ClearValue Tax and affiliates and related parties do not provide tax, legal or accounting advice. This material has been prepared for informational purposes only, and is not intended to provide, and should not be relied on for, tax, legal or accounting advice. You should consult your own tax, legal and accounting advisors before engaging in any transaction.
This post may contain affiliate links that at no additional cost to you, I may earn a small commission. Thank you for your support!
Legal Disclosure: I’m not a financial advisor. The information contained in this video is for entertainment purposes only. Before investing, please consult a licensed professional. Any stock purchases I show on video should not be considered “investment recommendations”. I shall not be held liable for any losses you may incur for investing and trading in the stock market in attempt to mirror what I do. Unless investments are FDIC insured, they may decline in value and/or disappear entirely. Please be careful!
source
Treasury yields slide again | Mortgage Professional
Kansas City Fed president Jeff Schmid, who does not vote on policy this year, warned that officials should not assume inflation from higher oil prices would prove transitory.
US secretary of state Marco Rubio, speaking to Al Jazeera, said American objectives in Iran would take “weeks, not months” to achieve, suggesting the conflict might remain a live factor for markets into the second half of the year.
What it meant for mortgage desks
For US mortgage desks, the drop in Treasury yields highlighted that markets have begun to see the oil spike less as a pure inflation story and more as a potential drag on growth.
That shift helped pull benchmark yields off their highs, easing immediate pressure on mortgage‑backed security valuations and warehouse funding costs.
However, lower yields on a single day does not guarantee a smoother path for borrowers. Brokers still face clients trying to time volatile markets, lenders ready to withdraw products at short notice, and a Fed that looks in no hurry to deliver the rate cuts many households hope will follow.
Congress has a lower approval rating than Hitler in some polls. And we just keep voting for the same 2 parties
Most Americans don’t know this: in 1988, the Republican and Democratic parties fired the League of Women Voters — the neutral, nonpartisan organization that had hosted Presidential debates for decades — and replaced them with a commission they run themselves. Many Americans only tunes in to politics during the runup to a Presidential election, which means the Presidential debates are often the pivotal events in the race.
When that organization — the Commission on Presidential Debates, or CPD — was founded it was jointly run by the chairs of the Republican and Democratic national committees. It existed, in practice, to protect the two parties that created it.
The most notable rule the CPD instituted was requiring any third-party candidate who wants to participate in these nationally televised debates to receive greater than 15% support in at least five national polls — an effectively impossible hurdle. For context, only two third-party candidates have ever exceeded five percent of the popular vote and received federal matching funds since the law providing them was passed in 1974. The bar set by the CPD is triple that. The two major parties have, in other words, constructed a system specifically designed to ensure no one else can compete.
Through nine election cycles it served that purpose until 2024, when it was no longer even needed. It had been forty years since the debates were hosted by the League Of Women Voters and the two major parties decided to simply negotiate the details directly with the networks. Notably, they didn’t invite anyone but each other.
Broken government is serious and dangerous stuff. The two major parties fight for control like petulant children wrestling over a television remote. When one of them shakes it free, the loser storms out of the room. Or the Capitol Building.
When their inability to compromise led to a government shutdown in 2011, Standard & Poor’s downgraded this country’s debt from AAA to AA for the first time in roughly a century. That will likely cost future generations trillions in interest payments.
The system has been mostly the same for two hundred and fifty years, but for decades after the fall of Communism there was no existential threat to democracy that forced compromise. When Ronald Reagan and Tip O’Neill couldn’t agree, they didn’t shut down the government — they famously worked it out, because failing to do so risked giving quarter to the Soviets. Once the wall came down, the consequences of not compromising no longer seemed more important than the pursuit of personal power and wealth to our elected officials. Country over party became optional. They chose party.
Is the citizenry pleased with the performance of this duopoly? According to Ballotpedia, in January 2026 the approval rating for Congress sits at around 15% — what pollsters call “the floor,” meaning it is almost impossible to go lower. According to Gallup, since 2010 the approval rating for Congress has almost never exceeded 30%.
To put 15% in context: according to a YouGov poll from roughly a year ago, the approval rating on Adolf Hitler ranges between 11% and 23%, depending on how you interpret the results — 11% of Americans say some of his ideas were “right,” and 12% categorized him as “a bad person who did some good things.” YouGov puts his unfavorable tracker at -88%. Stalin comes in somewhat stronger, with an unfavorable rating of roughly -75% to -80%.
Hitler. Stalin. The U.S. Congress. The polling puts them in roughly the same neighborhood. That sentence should alarm every American.
Most of us have acquiesced to the notion that there is simply nothing we can do about it. I disagree. Things do change. Change often happens when we don’t expect it, or too slowly to observe — but it is inevitable. Just because you can’t see the continents moving doesn’t mean tectonic plates don’t exist. Just because you don’t know that the Republican party was once a third-party movement doesn’t make it untrue. The Whigs would agree — if any of them still existed.
Individual issues no longer matter in an era when we have no functioning political system with which to legislate. That is not an epitaph — it is a call to action. Citizens must push representatives to reverse Citizens United, minimize the effect of money on politics, broaden access to Presidential debates, end the filibuster, dissolve the electoral college, institute term limits, and update the system so it works again.
Whether or not Edmund Burke actually said, “Evil triumphs when good men do nothing because they could only have done a little,” it remains a truism. Change is inevitable, but reform never comes from the top. It comes from the people. More Americans who turn eighteen now register as Independents than join either of the two major parties. They had a good run. We deserve better. Vote Independent. Write your representative. Hold them accountable. Do a little.
The opinions expressed in Fortune.com commentary pieces are solely the views of their authors and do not necessarily reflect the opinions and beliefs of Fortune.
What the “Forever Renter” Era Means For Landlords
It feels like every other headline you read about homeownership goes something like: “Is the American dream dead?”
Click-baity as apocalyptic headlines are, plenty of strong data support the argument that homeownership is slipping out of many Americans’ hands. And that has implications for us as real estate investors—including people like me who rent their home while also investing in other people’s housing.
The Data on “Forever Renters”
A 2025 study by the National Association of Realtors found that the median age of first-time homebuyers reached an all-time high of 40. As my father told me when I turned 40, “You’re now middle-aged.”
The data doesn’t get any rosier from there. The same report found that first-time homebuyers make up just 21% of home purchases, a record low. The median age for repeat homebuyers is 62.
Consider another study entitled “Giving Up” by Northwestern University’s Seung Hyeong Lee and the University of Chicago’s Younggeun Yoo. They found that Gen Z “will reach retirement with a homeownership rate roughly 9.6 percentage points lower than that of their parents’ generation.”
The study also cites a Harris Poll survey revealing that 42% of Americans and 46% of Gen Z respondents agreed with the statement: “No matter how hard I work, I will never be able to afford a home I really love.”
Yikes.
Implications for Investors
If this pattern continues playing out, it could affect real estate investors in the following ways.
An older, more stable tenant pool
Historically, a huge percentage of renters have been young adults ranging from college students to thirtysomethings. They’ve aimed to buy a home before “settling down” with either marriage or kids. In 1991, the average first-time homebuyer was just 28 years old.
As Americans wait longer to buy homes—or just rent their whole lives—that means that landlords get to rent to older, more stable tenants. That means:
- Workers who are more established in their careers
- Families with children in school who don’t want to move
- Older adults, such as empty nesters, who have larger net worths and fewer expenses
That’s potentially a more attractive renter pool than rowdy twentysomethings who move every other year.
Longer tenancies
Older, more established renters tend to move less frequently. And as anyone who’s ever owned rental units knows, turnovers are where most of the cost and labor lies for landlords.
In other words, longer tenancies are all upside for rental and multifamily investors. Lesley Hurst, landlord and owner of Penn Charter Abstract title company, is already seeing this play out in Pittsburgh, telling BiggerPockets: “My rental properties cash flow well, largely because we’re seeing a more stable, long-term tenant base. That reduces turnover and vacancy risk and helps me earn consistent rental income without relying solely on appreciation.”
Higher-end rentals
Not every renter wants to buy a home.
“In Wichita, I work with plenty of people who could buy but choose to rent because it’s more flexible and more affordable than buying at today’s interest rates and prices,” explained Derek Grandfield of Freedom Property Investors in a conversation with BiggerPockets. “It’s changed how we think about our properties, focusing more on making them comfortable and livable for the long haul, not just quick turnovers.”
Also consider extremely expensive markets like San Francisco, where the rent-to-price ratio is nearly 36. It just doesn’t make any financial sense to buy there, even for the upper-middle class.
Senior living investments
Lifelong renters theoretically have fewer ties to their homes and are more open to moving into senior housing.
That runs the gamut from active adult communities up to assisted living and nursing homes. Either way, the “silver tsunami” is coming, and there isn’t enough infrastructure for it, so these senior living investments could continue to do better in the years and decades to come.
Huge appeal for entry-level homes for sale
Not every Gen Zer has given up on homeownership—they’re just pessimistic about it. But plenty of investors have built business plans to meet their needs.
For example, my co-investing club partnered with an investor who buys vacant land parcels and installs manufactured homes on them to sell to first-time homebuyers. They price them at literally half the local median home value. And they sell like hotcakes.
The Rise of Renter-Investors—Including Me
My family and I sold our prior home and have rented for the last 11 years. At first, we did so as expats living overseas, but even after moving back to the U.S., we continue to rent for flexibility. But that doesn’t mean I don’t have any real estate.
I own an interest in over 5,000 units around the country as a passive investor. In fact, I keep investing in new passive real estate investments every month as a member of a co-investing club.
I may or may not buy a home again in the future. Either way, I want plenty of diverse real estate in my “set-it-and-forget-it” portfolio. That includes a mix of hands-off JV partnerships, syndications, and secured private notes.
Even among homeowners and active investors, too many don’t bother to diversify their real estate investments. Their home makes up a disproportionate amount of their net worth, and they have tens or even hundreds of thousands of dollars tied up in each investment property.
That’s not a diverse real estate portfolio. I invest $5K-$10K at a time, every month, to practice dollar-cost averaging with real estate as I do with stocks.
Whether you rent or own, get more intentional with diversifying your portfolio. Don’t try to pick the next hot market or asset class—just steadily keep investing small amounts in new real estate investments.
Verizon Is Up 24% in 2026 and Pays Over 5% in Dividends: Time to Buy?
After years of underperforming the market, Verizon Communications (VZ 0.30%) is one of the bright spots in the tech sector this year. It’s up 24% year to date through March 27.
Those results look even better when you factor in that Verizon is one of the more generous dividend stocks. It has raised its dividend for 22 consecutive years, most recently to $0.71 for the next quarter, and it has a dividend yield of about 5.6%.
Image source: Verizon Communications.
The announcement of the latest dividend hike came on Jan. 30, 2026, but that wasn’t the biggest news of the day for Verizon, because the wireless carrier also had one of its best earnings reports in years. It reported 616,000 postpaid phone net additions in Q4 2025, its highest quarterly net additions since 2019. Verizon also completed its acquisition of Frontier Communications, growing its fiber access to over 30 million homes and businesses.
Stock market volatility could also be contributing to Verizon’s success. Investors often rotate out of growth stocks into value stocks, including high-dividend stocks, during periods of instability.
Today’s Change
(-0.30%) $-0.15
Current Price
$50.15
Key Data Points
Market Cap
$212B
Day’s Range
$49.74 – $50.53
52wk Range
$38.39 – $51.68
Volume
850K
Avg Vol
32M
Gross Margin
45.79%
Dividend Yield
5.45%
So, is now a good time to pick up shares of Verizon? If your goal is passive income or to balance out a growth-heavy portfolio, then Verizon is worth considering. The recent results are promising, and the dividend provides stable returns. But I wouldn’t invest with the expectation that Verizon will continue to beat the broader market, because that’s unlikely. Wireless carriers tend to deliver modest returns, so periods of outperformance usually don’t last too long.
Lyle Daly has no position in any of the stocks mentioned. The Motley Fool recommends Verizon Communications. The Motley Fool has a disclosure policy.
[YMMV] Capital One Shopping: Chow Sang Sang, Spend $650+ & Get $390 Back
![[YMMV] Capital One Shopping: Chow Sang Sang, Spend $650+ & Get $390 Back](https://globalinvestmentstrategy.com/wp-content/uploads/2026/04/chow-sang-sang-768x780.jpg "[YMMV] Capital One Shopping: Chow Sang Sang, Spend $650+ & Get $390 Back")
The Offer
No direct link to offer, check portal. Might need to visit site with browser extension installed and wait a few days to get the offer to show
- Capital One Shopping portal is offering $390 back when spend $650 at Chow Sang Sang
Our Verdict
This is a Hong Kong jewelry brand. They do offer free shipping when you spend ~$500+. Might be also able to stack with any offers the merchant has, but check terms of your specific capital one offer to confirm. It seems that it excludes gold bars, but you still might be able to get a piece that is profitable on the gold content alone.
Things to note with Capital One shopping:
- Payout is not cash but giftcards
- There is a $80 referral bonus, you can use Chuck’s link here. Full terms of that here.
- Tips for maximizing these offers here.
Hat tip to reader BonusVault