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165+ best early Cyber Monday deals that you can shop right now

Cyber Monday is continuing some of Black Friday's best deals. We're rounding up the best discounts from Amazon, Walmart, and more. Nintendo; Amazon; Alyssa Powell/InsiderWhen you buy through our links, Insider may earn an affiliate commission. Learn more.Cyber Monday is nearly here and there are already a ton of fantastic deals available right now. Amazon, Best Buy, and Walmart have some of the best discounts we've seen on products across every category, and more deals are expected as we head into the official start of Cyber Monday on November 28. We'll update this page throughout the weekend with the best early Cyber Monday discounts. Already, there are big savings on streaming services, Amazon products, Apple devices, 4K TVs, and more. Check back regularly as our expert team of reporters and editors will be rounding up all of the very best deals through Cyber Monday.Top early Cyber Monday deals available right nowPeacock Premium plan: $0.99/month (80% off)Hulu x Disney+ bundle: $4.98 per month (55% off)Samsung 65-inch OLED 4K TV: $1,797 (40% off)Apple AirPods Pro (2nd Generation): $200 (20% off)Roku Streaming Stick 4K (2021): $25 (50% off)Revlon One-Step Hair Dryer: $25 (37% off)Hydro Flask 32 oz. Wide Mouth Bottle: $33 (26% off)Home Accents Festive Pine Christmas Tree: $50 (29% off)Kindle Paperwhite: $95 (32% off)Dyson v10 Absolute Cordless Vacuum: $400 ($200 off)40% off AllModern Williams Two-Drawer NightstandAllModernClass-up your bedroom with this mid-century nightstand, complete with two drawers and minimalist accents. This nightstand comes in walnut, acorn, white and gray finishes. It's on sale for $243, but you can get another 25% off with the code GET25.15% off All-new Kindle 2022Black Friday 2022 All-New KindleAmazonAmazon's newest Kindle is now on salw for $15 off. You can get it for just $85, which is a great deal if you're looking for a small, light-weight e-reader. The All-New Kindle is actually Amazon's lightest e-reader yet, weighing in at just over a third of a pound.25% off Jambys Long JambysJambysLong Jambys are sustainably made modal, which comes from tree fibers. The material is incredibly soft and comfortable. On sale for $55, this is a great deal on premium loungewear.30% off Nike Infinity ReactNikeDesigned to be lightweight and breathable, yet durable and responsive, the Infinity React 3 caters to the needs of most runners. Originally $160, they're currently on sale for $111.98.30% off Nomad Base One MaxNomadThe Nomad Base One Max is a compact but fast-charging wireless pad. It can support one smartphone and one smartwatch at the same time, and if you're charging a compatible iPhone, it has MagSafe features too. Nomad products are always expensive, but this model is more than $50 off today.20% off Goal Zero Lighhouse 600 Lantern & USB Power HubAmazonA reliable lantern is great in an emergency or an ordinary power outage. The Lighthouse 400 is one of our favorite lanterns, and the 600 provides even more lumens of adjustable light. You can charge the lantern in several ways, including via USB or a hand crank. Currently on sale for Cyber Monday, it's discounted 20%.33% off Corsair K70 RGB Cherry MX Mechanical KeyboardBest BuyMechanical keyboards give every keypress a satisfying sound and tactile response. Good mechanical keyboards can be expensive, but this weekend, this RGB-enabled model from CORSAIR — one of the best brands around — is $50 off.50% off Urban Decay Naked3 Eyeshadow PaletteSephoraFor creamy and pigmented neutrals, it's hard to beat Urban Decay's line of Naked eyeshadows. Urban Decay Naked eye shadow palettes can cost over $50, but for Cyber Monday, you can get the Naked3 palette for under $30. 15% off KitchenAid 3-Piece Pasta Roller & Cutter SetLily Alig/InsiderWith the KitchenAid 3-Piece Pasta Roller & Cutter Attachment Set, you turn your stand mixer into an all-inclusive homemade pasta maker. When you clip the coupon on the product page, you can save an extra $25, making it the lowest price we've seen in years. 40% off REI Co-Op Men's Trailbreak 30 Sleeping BagREITo find a premium sleeping bag that costs less than $100 is often a fool's errand but the REI Co-op Trailbreak 30 is the exception. With a temperature rating of 30 degrees, this bag is great for shoulder season camping and its 3-panel hood makes it easy to get nice and cozy when the temps get especially cold. This is just $60 during REI's Cyber Monday sale — you won't find a better deal.43% off Bissell SpinWave Robot VacuumJames Brains/InsiderThe Bissell SpinWave Robot Vacuum picked up all the pet hair on carpet in our tests and has a great assortment of mop attachments and accessories. The company is also committed to helping homeless pets and helps them find loving homes. During Cyber Monday, it's at an all-time low price.40% off Lego Classic 90 Years of Play Building Set (11021)WalmartThe Lego Classic 90 Years of Play Building Set (11021) comes with 15 mini builds, including a golden dragon and sphinx. During Cyber Monday, it's 40% off.45% off Hasbro Connect 4 GameWalmartThe gameplay is simple in this classic strategy game: take turns dropping discs into the grid, and the first person to get four discs in a row wins. During Cyber Monday, it's at an all-time low price.37% off Topo Designs Women's Dirt CoverallsREIAvailable in two colors, these coveralls feature a belnd of organically grown cotton and spandex for a broken-in feel and the right amount of stretch. It also has two spacious front pockets and a pair of back pockets for all your essentials.33% off Animal Crossing: New HorizonsAmazonAnimal Crossing: New Horizons is one of the best life simulation games around. Customize your island, collect fish and fossils to donate to the museum, or run around with friends — it's all up to you. And right now, you can pick up a copy of the game from Best Buy for only $40, which matches one of the lowest prices we've seen.30% off Outerknown Men's Blanket ShirtOuterknownOuterknown's famed Blanket Shirt comes in a wide range of flannel patterns, from neutral prints to bright colors, but the real sell is its sustainability: It's made from 100% organic cotton, with corozo buttons made from tagua palm nuts to replace plastic ones. Right now, you can snag it for 30% off.30% off MVMT Men's Legacy SlimMVMTMVMT makes some of our favorite affordable luxury watches, and all versions of this model are currently on sale for under $90. It features a minimalist analog design with different variations of watchbands, from brown leather to gold mesh.25% off Rhone Session 1/4 ZipRhoneRhone's Session 1/4 Zip is the perfect layer for pre or post-workout. It's a breahtable, lightweight pullover that also offers UPF50+ sun protection, and it's currently 25% off for Cyber Monday.20% off Ooni Koda 12 Gas Powered Pizza OvenOoniFor making restaurant-quality pizza at home, you can't go wrong with Ooni. The Kodak 12 can reach up to 950 degrees Fahrenheit and cook your pie in 60 seconds. Currently, you can score it for 20% off.35% off Mophie 3-in-1 15W Wireless Charging StandAmazonA stand built to charge your iPhone, Apple Watch, and AirPods at the same time, this 3-in-1 charger from Mophie gives you "super-fast" charging with 15W charging speed. It's currently priced the lowest we've ever seen, and makes a great addition to any desk or workspace.28% off LG 75-inch LED 4K Smart TVBest BuyWith $230 off, this is a fantastic deal for such a large TV. This LG 75-inch comes with everything you need — 4K, ultra high-definition, access to 300+ free LG channels, as well as WebOS compatbility with all the top streaming services like Netflix, Hulu, Disney Plus, and more.24% off Apple iPhone 14 Leather Case with MagSafeAmazonApple's leather iPhone cases are designed to perfectly hug and protect your device without adding too much extra bulk. They're also MagSafe compatible, super stylish, and sleek, with a variety of different available colors — some of which are currently down to only $45 for the iPhone 14.33% off Big Brain Academy: Brain vs. BrainAmazonBig Brain Academy is Nintendo's premiere brain-training game series. This entry includes hundreds of math, logic, and visualization puzzles to test your knowledge, all for only $19.99 — the best price we've seen for it.30% off OXO Brew Gooseneck Electric KettleAmazonDurable, fast, and cord-free, the OXO Brew Gooseneck Electric Kettle is a full-featured option to keep on your countertop. It includes adjustable temperature control, a built-in timer, and a 30-minute keep warm cycle. Down to only $73, this is a rare drop on a premium kettle.45% off Hamilton Beach Smoothie Electric BlenderWalmartThe Hamilton Beach Smoothie Electric Blender performs low-lift blending jobs at a budget price. This Cyber Monday deal puts it at an all-time low price.60% off JLab Go Air Pop Bluetooth EarbudsJLabJLab Go Air Pop Bluetooth Earbuds give you the true wireless experience without breaking the bank. During Cyber Monday, they're 60% off, the lowest price we've seen.$100 off LG 42-inch C2 OLED 4K TVAmazonThe C2 is one of the best OLEDs you can buy and it comes in a small 42-inch size that's perfect for gamers who want to use it as a monitor and TV. This $900 sale price is the best deal we've seen so far.54% off Amazon Blink Mini (2-Pack)BlinkAffordable and user friendly, the Amazon Blink Mini home security camera is an indoor security for first timers. It has both 1080p camera footage quality and a black-and-white night mode. Save 54% with an all-time low price on the security system this Cyber Monday.30% off BioLite Firepit+BioLiteAn elegant marriage of technology and design, the BioLite FirePit+ not only excels at grilling but comes equipped with an onboard battery and an airflow design that keeps smoke at a minimum. It's so good at keeping fumes at bay that we named it the best smokeless fire pit in our guide. Right now, you can save 30%, which is one of the best prices we've seen for it.52% off Roku PremiereAmazonWalmart is offering an exclusive deal on the Roku Premiere streaming player, offering 52% off the usual price. While we generally prefer the Roku 4K Streaming Stick thanks to its portability and small form factor, the Roku Premiere is good for people who prefer a traditional set-top box near their TV.28% off Tile Mate Bluetooth Tracker (2022)AmazonThe Tile Mate is designed to help you find easily misplaced items and attaches to keys, pet collars, and other important items. During Cyber Monday, it's at the lowest price we've seen this year.$40 off OXO Brew 8-Cup Coffee MakerAmazonSleek and minimal, Oxo's 8-cup-capacity coffee maker reliably delivers a great cup. Its double-wall, vacuum-insulated thermal carafe keeps the contents warm for hours, but it can also accommodate taller mugs if you're taking yours to go. Right now, you can save $40 with this Cyber Monday sale.$20 off Cosori 5-quart 9-in-1 Air FryerAmazonCosori makes reliable and affordable small kitchen appliances. This air fryer has a nonstick basket and, holding enough food for up to four people, it's perfect for small groups and spaces. You can get a 15% discount for Cyber Monday, plus an extra $5 off using the on-page coupon.40% off Lego Classic 90 Years of Play Building Set (11021)WalmartThe Lego Classic 90 Years of Play Building Set (11021) comes with 15 mini builds, including a golden dragon and sphinx. During Cyber Monday, it's 40% off.31% off Osprey Men's Skarab 18 Hydration PackAmazonOsprey's Skarab 18 hydration pack is perfect for trail runners and cyclists, featuring a 2.5-liter water reservoir and a comfortable design. It's on sale for $70 during REI's Cyber Monday sale.$10 off Tramontina Primaware 18 Piece Non-stick Cookware SetWalmartWhether you're replacing some old cookware or need to furnish your new kitchen, this 18-piece set has all of the essentials you need. It comes with three saucepans, two saute pans, a griddle, a Dutch oven, a foldup steamer, three spoons, and two turners for only $40.30% off Igloo 60 qt. EcoCool Roller CoolerIglooOwning a cooler with wheels is the definition of true outdoor luxury and this Igloo roller cooler is one of our favorites. It features a rugged design, an easy-to-use telescoping handle, and a pair of oversized wheels that can take on a variety of terrain. Pick one up for just $65 during REI's Cyber Monday sale.55% off Razer DeathAdder Gaming MouseAmazonDon't let the edgy name fool you — the Razer DeathAdder is a fantastic mouse for gamers, programmers, and even regular users. With rubber grips, eight programmable buttons, and an ultra-sensitive 20,000 DPI sensor, the DeathAdder is one of the best gaming mice around. And during Cyber Monday, the price has come down to about $31, which is a fantastic deal.20% off Baggu Standard BagguCara CaraBaggu is the gold standard in reusable bags. Not only are they cute as can be, but they can hold up to 50 pounds, are made of ripstop nylon, and come in over 40 fun colors and patterns. Right now, everything on the Baggu website is 20% off.$400 off LG 3.1.3 Channel Soundbar with Wireless SubwooferBest BuyIf you're setting up a home theater, the one thing you need above all else is a good subwoofer. And this LG soundbar comes with a sturdy wireless subwoofer so you can feel every explosion and bass note. Best Buy is selling it for $400 off right now, which is a fantastic deal for this model.$30 off Closca Helmet LoopCloscaFor bikers who commute to work (or just hate lugging around a bulky helmet), this one folds up to nearly half its size to be stashed away when not in use. Select colors are now available for under $50 on both the Closca website and retailers like Amazon.25% off The North Face Hydrenalite Down HoodieREIThe North Face Hydrenalite Down Hoodie is both stylish and functional, and is available in six different colors to match anyone's personal style. For REI's Cyber Monday sale, it's discounted to $150, which is $50 off its normal price.$35 off Lego Optimus PrimeAmazonLike its Transformers namesake, the Lego Optimus Prime can actually change from its robot form into a truck without needing to rebuild. This is a sought-after Lego set and it's at its lowest price ever on Amazon and Walmart.$22 off Super Mario OdysseyAmazonSuper Mario Odyssey has been called "the ultimate collect-a-thon," and one of the best games released for the Nintendo Switch. Right now it's down to $37, a rare and substantial discount for such a popular game.$63 off Furbo 360° Dog CameraFurboFurbo's newest dog camera rotates 360 degrees so you can keep an eye on your pet anywhere in the room. The 1080p camera has 4x zoom along with night vision. It's on sale for $147 during Cyber Monday which is an all-time low price.10% off Casper The Glow LightCasper/InstagramThe Casper Glow Light is a wireless, portable night light that uses intuitive gestures for a beautiful, streamlined experience. It's on sale for 10% off during the company's Cyber Monday event.25% off Dagne Dover Dakota Neoprene BackpackDagne DoverDagne Dover makes some of our favorite backpacks, beloved for their comfortable and sleek design. Right now, you can get 25% off with the code BFRIYAY25 for Cyber Monday.$44 off Everlane ReLeather Court SneakerEverlaneThe ReLeather Court Sneaker is a comfortable everyday sneaker made out of recycled leather. For the Cyber Monday sales event, they're priced down to $66, which is one of the best deals we've ever seen on these shoes.$100 off Vizio 70-inch MQ6 QLED 4K TVBest BuyVizio's latest MQ6 4K TV model uses quantum dots to deliver a wide range of colors. It doesn't support local dimming like some of the brand's more expensive models but $650 for a 70-inch QLED TV is a great price.20% off Atlas Coffee Club Sampler PackAmazonEach month, Atlas highlights single-origin, sustainably farmed coffee beans from a specific country. For Cyber Monday, you can pick up a 4-pack sampler box for 20% off its normal price.$60 off WD BLACK SN850X 1TB Internal Gaming SSDAmazonIf you're in the market for an upgraded internal SSD, this already affordable and high-performing configuration is now available at an all-time low price of $99.$50 off Fitbit LuxeThe Fitbit Luxe with a classic wristband being heldLisa Eadicicco/InsiderThe Fitbit Luxe is a great option for the fashionistas in your life who don't like the look of a traditional smartwatch. For Cyber Monday, it's on sale for $80 — the lowest price we've seen.$250 off Vitamix 5200 BlenderThe VitaMix 5200 Series Blender.AmazonThe Vitamix 5200 is an easy-to-use, easy-to-clean blender with the power and speed variation to handle any task. This is a pricey blender, so any discount is welcome, and $300 matches the price we saw during Black Friday.56% off Amazon Halo ViewIsabel Fernández and Crystal Cox/InsiderThe Amazon Halo View is a basic fitness tracker that offers a comprehensive suite of features designed to help improve your overall health and wellness. At just $35 during Cyber Monday, you won't find a better deal on a wearable as good as this.43% off Chamberlain myQ Smart Garage Door OpenerBest BuyThe Chamberlain MyQ Smart Garage Door Opener is a useful device that lets you open and close your garage door from anywhere with the companion mobile app on your phone. It was a reader favorite during Prime Day last year, and now for Cyber Monday, it's offered at its lowest price in a year.$120 off Sony WH-1000XM4 noise-canceling headphonesSonySony's WH-1000XM4 is our go-to pair of headphones for balance, sound quality, noise-canceling performance, and price. They're on sale for $228 for Cyber Monday, which is the lowest price we've ever seen them discounted to.$70 off Meta Quest 2 Bundle (256GB)MetaThe Meta Quest 2 VR headset (256GB) is now on sale with two free games. This special holiday bundle includes Beat Saber and Resident Evil 4 for $430. You can usually get the 256GB headset for $500 with Beat Saber, so this package saves you $70 and adds another free game.$50 off Theragun MiniTherabodyTherabody's fourth generation of massage guns introduced the Theragun Mini, a portable device that packs a percussive punch in a much smaller package. It's our favorite entry-level massage gun and it's on sale for $150 for Cyber Monday which is around the lowest price we've ever seen.$60 off Ring Floodlight Cam Wired PlusThe Home DepotRing's Floodlight Cam Wired Plus combines the standard Spotlight Cam with a set of motion-activated floodlights for better lighting. The camera itself streams and records at 1080p resolution and is also motion-activated, and it includes a siren and two-way talk. This Cyber Monday deal matches the lowest price we've ever seen.$50 off Roku StreambarBest BuyThe Roku Streambar is a compact soundbar that also acts as a streaming device, giving you an all-in-one option for crisp Dolby Audio and crystal clear 4K, HD, and HDR graphics. It's discounted by $50 to $80 overall, making this a great time to buy.Best Cyber Monday streaming dealsPavlo Gonchar/SOPA Images/LightRocket via Getty ImagesThere are tons of great streaming deals during Cyber Monday. See our review of the best streaming services to see which one the best for you.Discovery Plus: The service's Ad-Lite plan is already very affordable year round, but right now you can join the service for only $1 a month for your first three months. It's an excellent deal we only see during major deal events, like Cyber Monday.Disney+ and Hulu: During Cyber Monday, you get Hulu (with ads) and Disney+ (no ads) for just $5 per month for a full year. This deal saves you $11 per month off the regular price of the two services when purchased separately.HBO Max: HBO Max rarely sees discounts for subscribers, but now through November 28, new and returning subscribers can get their first three months of the ad-supported plan for only $6.Hulu: New and returning members can get their first year for only $2 a month when they sign up before November 28. Paramount Plus: Now through November 27, new and returning subscribers can get 50% off an annual plan of Paramount Plus, bringing the Essential plan down to only $25 for a full year of content. Peacock Premium: Now through November 28, new subscribers can lock in a year of Peacock Premium for $1/month. That's about 80% off the regular $5 monthly price.Stellar deals on tech brands from across the webApple; Amazon; Alyssa Powell/InsiderTech is synonymous with Cyber Monday, and we're seeing big discounts on TVs, computers, cameras, phones, accessories, gaming gear, and more. In addition to deals from major retailers like Amazon, Best Buy, Target, and Walmart, most tech companies are offering savings at their online stores. Here are our favorite companies whose products we've tested and trust.Adobe: Creative Cloud All Apps is 27% off for all users for the first year, 71% off for students and teachers for the first year; 40% off Adobe Photoshop Elements and Premier Elements.Anker: 20% to 25% off power banks and charging stations.Apple: Gift cards of varying amounts on qualifying purchases.Belkin: 25% off sitewide with code BF22.Bellroy: Up to 33% off phone cases, bags, wallets, and accessories.Case-Mate: Up to 60% off sitewide with code BFCM22, include LuMee, Pelican, and Fuel.CD Keys: Up to 96% off games for PC, Xbox, and PlayStation.Courant: 20% off sitewide on chargers and accessories.Dell: Up to 60% on laptops, desktops, and monitors.DJI: Up to 30% off select drones and cameras. Epson: Up to 46% off select printers, projectors, and business machines.Goal Zero: Up to 20% off select power stations, portable batteries, solar panels, lights, and more.Google: $50-$150 off Google Pixel Watch and Pixel 7 smartphones.GoPro: 15% off sitewide on cameras, accessories, and more.Griffin: 50% off sitewide on cables, chargers, batteries, and more.HP: Up to 71% on laptops, desktops, monitors, printers, and more.Incase: Up to 50% off sitewide on bags, laptop sleeves, cases, and more.Incipio: Up to 50% off sitewide on phone cases and accessories.Insta360: Save up to $75 on cameras.LastPass: 25% off until 11/29.Logitech: $30 off orders over $150 and $50 off orders over $250 with code BF22USD.Microsoft: Up to $600 off Surface Pro tablet laptops.Moment: Up to 60% off select phone cases, lenses, cameras, and other photography accessories.Motorola: Save up to $1,000 on select phones.Nikon: Save up to $1,000 on DSLR and mirrorless cameras, lenses, and binoculars.Nintendo: Save up to $20 or 33% on select games.Otterbox: Free shipping on orders over $50.Peak Design: Up to 30% off camera bags and accessories.Philo: New subscribers save 80% off their first month until 11/30 with code THANKS.Samsung: Up to $350 off Samsung Galaxy Z foldable smartphones.Satechi: 25% off sitewide with code BFCM25 or 30% off $150 or more with code BFCM30.Sony: Save up to $1,500 on TVs, cameras, headphones, and other consumer electronics.Speck: 40% off sitewide until 11/27; 50% off sitewide 11/27-11/28.Steam: 20%-90% off select games until 11/29.ZAGG: 40% off sitewide on ZAGG, Mophie, InvisibleShield, and Gear4 computing and mobile hardware and accessories.Shop big sales from nearly every major mattress brandLeesa/InstagramMattresses are an expensive yet important purchase. Fortunately, during Cyber Monday, you can save hundreds of dollars on top brands, including Casper, Purple, Nectar, and more. Don't know which mattress to buy? Our mattress expert has tested more than 60 mattresses and lists the best in our mattress guide. Also, check out our best Cyber Monday mattress deals hub.Amerisleep: Get $450 off any mattress and free accessories using the promo code AS450.Avocado: Get 10% off sitewide using the promo code SAVE10.Awara: Get $300 off any mattress and a free cotton sheet set, two latex pillows, and a mattress protector.Bear: Get 35% off sitewide and free accessories.Beautyrest: Save up to $800 on select mattresses.Big Fig Mattress: Get $400 off mattresses using the promo code FRIYAY.Birch: Get $400 off mattresses and two free pillows using the promo code FALLSALE400. Brooklyn Bedding: Get 30% off sitewide using promo code BFRIDAY30.Casper: Save up to $800 on mattresses using the promo code BFCM22-B.Cocoon by Sealy: Get 35% off the Chill mattresses and get a free set of sheets and pillows. DreamCloud: Get 25% off mattresses and $599 worth of accessories, including sheets, pillows, and a mattress protector. Emma: Get up to 50% off sitewide.Ghost Bed: Up to 50% off all mattresses and adjustable base bundles and get two free pillows.Helix: Save $150 when you spend $600 using promo code BFWKND150, save $250 when you spend $1,249 using promo code BFWKND250, save $300 when you spend $1,700 using promo code BFWKND300, save $350 when you spend $2,550 using promo code BFWKND350, save $400 when you spend $2,700 using promo code BFWKND400, and save $450 when you spend $2,950 using promo code BFWKND450. Plus, all purchases include two free pillows. Leesa: Save up to $700 on mattresses with two pillows included.Mattress Firm: Get up to 50% off mattresses during the Cyber Monday sale.Nectar: Get 33% off sitewide.Nest Bedding: Up to 50% off select mattresses.Nolah: Save up to $700 on mattresses and get two free pillows during the Cyber Monday sale.   Purple: Get $700 off the Purple Plus Mattress plus adjustable base.Saatva: Get up to $450 off select mattresses during the sale.Serta: Save up to $800 on select mattresses and mattress sets.Siena: Save $200 off any mattress.Sleep Number: Up to 40% off select beds.Tempur-Pedic: Get 30% off the Tempur-Pedic Cloud mattress when you use the Insider exclusive promo code BI30.Tuft & Needle: Save up to $750 on mattresses.Wayfair: Save on big-name mattress brands like Beautyrest and Sealy. Check out our Wayfair deals roundup.Zinus: Save up to 40% off select mattresses. Editor's note: Zinus is facing a class-action lawsuit claiming that fiberglass in the company's mattresses has led to serious health issues. Check out our full article on the lawsuit for more details.Zoma: Save $150 on all mattresses using promo code WIN150.Shop big deals on luggage from across the internetRachel Askinasi/InsiderTravel is back and it's a great time to stock up on those travel essentials you may have neglected in the past few years of pandemic. Below you'll find deals on our favorite luggage brands. Away: Up to 40% off suitcases and travel accessories. Check out our full round up of Away luggage deals.Baboon to the Moon: Up to 75% off bags and accessories.Bric's: Up to 50% off Bellagio, MyLife, Siena, and X-Bag lines.Delsey: Save 30% to 60%, plus free shipping.July: Save $30 when you spend $300, $100 when you spend $600, and $200 when you spend $1,000. Monos: Up to 40% off sitewide with code EARLYBF2022. Check out our full round up of Monos luggage deals.Nomatic: Up to 30% off luggage and 50% off travel accessories.Paravel: Up to 30% off, including Oprah's favorite foldable backpack.ROAM: Free Market Tote or Travel Pouch Set with the purchase of any piece of luggage, backpack, or duffel.Samsonite: 30% off sitewide and free shipping.Solgaard: Take 15% to 50% off sitewide. Travelpro: More than 70% off select suitcases and bags, plus save $30 when you spend $200 and $60 when you spend $300.Tumi: 40% off select suitcases, backpacks, and bags.Take 20% off Apple AirPods Pro (2nd generation)AppleThe AirPods Pro (2nd generation) is the latest addition to their AirPods Pro series, a line of mid-range earbuds that feature spatial audio and noise canceling. And for just $200, this is the lowest price we've ever seen.8% off the 2022 12.9-Inch 6th-Generation iPad ProAppleWhile not a huge discount, this 8% deal is rare for such a newly announced Apple device. If you're looking to get the latest 12.9-inch iPad, this deal helps you save $100. If you're not sure you want the latest model, we can help you find the right iPad for your needs.30% off the Oxo Good Grips 7-Piece Pop Container SetAmazonAirtight containers are a must-have for any kitchen. You can store all your baking necessities, including flour, sugar, brown sugar, and more. We can't recommend the Oxo Pop containers enough because they keep cupboards and pantries organized and food fresher. Right now, you can save 30% on this set, which comes with two medium square containers, two tall medium containers, and three small ones.$21 off the Allbirds Women's Wool Runner in Hazy CargoAllbirdsThe Wool Runners are some of Allbirds' most popular shoes, and they hold up really well after years of wear. Coming in a green "Hazy Cargo" colorway, this pair of Allbirds pairs well with all your fall neutrals, and they're more than $20 off. Other hues have a similar discount, while the teal and burgundy colorways are down to $64.24% off the Petkit Eversweet Pet Water FountainAmazonThis two-liter water fountain is designed for cats and small dogs. It uses a circulation system to provide oxygenated, fresher, and better tasting water for your furry friend. Right now it's down to only $34, a rare price drop from its typical retail price of $46. We saw a slightly better deal on Black Friday, so it might drop again on Cyber Monday. For more pet deals, we've rounded up Chewy's best Cyber Monday discounts.$1,500 off the LG C1 OLED 83-Inch 4K TVBest BuyLG's C1 beautifully balances performance and design, and the 65-inch model is the top pick in our guide to the best 4K TVs. The OLED panel delivers incredible image quality with an infinite contrast ratio. If you're looking for a giant TV for your entertainment system, the 83-inch is the largest available size and is at an excellent all-time low of $3,000.Save $30 on the Fitbit Versa 3FitbitWith automatic activity tracking and a large screen, the Versa 3 has nearly all the perks of the Fitbit line at a not-totally-absurd price point plus a stylish design. It's now available on clearance, so you can get it with a sweet $30 discount.Save 14% on the Apple Magic Keyboard for iPad Pro 12.9-inchAppleApple's Magic Keyboard is designed to seamlessly attach to the iPad Pro with a comfortable and responsive typing experience, trackpad, and a USB-C port. It's a great way to boost your productivity from your tablet, especially at this excellent price of$300.50% off the Amazon Fire HD 10 TabletAmazonWith 32GB of internal storage, a 1080p HD display, and loads of features like Alexa integration, the Fire HD 10 is one of the most versatile, yet affordable tablets you can buy. Currently on sale for 50% off, it's an even better deal at $75.25% off Bombas SocksBombasBombas makes some of the best socks we've ever tested — even at full price. Right now, you'll save 10% on packs plus an extra 25% on your order, bringing this 8-Pack down to $75.60. Read our full review and shop the entire site.$230 off the Vitamix Professional Series 750 BlenderWilliams SonomaThe Vitamix Professional Series 750 has everything you need in a blender, and its proven longevity makes it worth the price. This Cyber Monday deal is the lowest price we've seen by $60. Check out more Vitamix blender sales going on now.40% off the Everlane Everyone Denim JacketEverlaneFeaturing unisex styling, the Everyone Denim Jacket is easy to wear and style for everyone. Right now, it's $59 — bringing the price down nearly $30.$110 off Fitbit SenseFitbitThe Sense smartwatch has a ton of added features, focusing on heart health and stress management, giving you a more holistic look at your well-being. It's on sale for $140 during Cyber Monday, which is an excellent deal considering how feature-rich this smartwatch is.$80 off Bowflex SelectTech 552 dumbbellsNautilusThe Bowflex SelectTech 552 Adjustable Dumbbells allow you to adjust the weight of each dumbbell anywhere from 5 to 52.5 pounds. They're on sale for $350 for Cyber Monday, which is one of the lowest prices we've ever seen them at, making them a great deal for anyone looking to add to their home gym.19% off Nike Air VaporMax 2021 FKNikeFeaturing a full Air midsole and a Flyknit woven upper, the Vapormax 2021 uses several of Nike's most advanced technologies. Right now, they're 19% off.$50 off Bonobos Stretch Washed Chino 2.0NordstromTaking on the look of classic chinos, this pair features added stretch for comfort. At 50% off, this is a good time to add more colors to your wardrobe.$20 off Elden RingElden Ring / FromSoftwareThis 2022 Game of the Year nominee from the creators of Dark Souls is a challenging adventure, even for experienced gamers. This is one of the best prices we've seen since it released in February.Save up to 40% on Monos luggageMonosShop all Monos luggage dealsBest known for its carry-on with a front pocket fit for a laptop, Monos is home to some of the best luggage and travel accessories we've tested. The travel brand has made a name for itself with its suitcases' convenient organization, as demonstrated by its Pro Plus Carry-on with extra storage space.Travelers can save up to a rare 40% on carry-ons, full-sized luggage, and travel accessories with the code EARLYBF2022. Shoppers can also expect to see discounts of up to 50% off on November 25-27 with the code BLACKFRIDAY2022, and up to 30% off on November 28-December 4 with the code CYBERWEEK2022. $150 off Apple 24-inch iMac M1 2021Apple$150 off Apple's 24-inch iMac running on the powerful M1 processor only makes a dent, but it's still the best price we've seen for this model. If you've been looking for a powerful all-in-on computer that will last a long time, the 24-inch iMac with a deal is a great option.$150 off KitchenAid 5-qt. Artisan Series Fresh Prep Attachment BundleKohl'sOne of the best deals we've seen on KitchenAid stand mixers is this bundle, which combines a 5 quart Artisan mixer with food processing attachments. This matches the sale price we've seen at other retailers, but also includes the Fresh Prep attachment, which usually retails for $60. The deal is available in three colors.30% off Casper Essential PillowAmazonWe're fans of Casper's pillows; we ranked the Original as the best pillow for side sleepers in our buying guide to the best pillows you can buy. The Essential pillow is soft and breathable on the outside and supportive on the inside. At $30, it matches the lowest price we've come across this year.$25 off Sonic FrontiersSegaPlaystation 5Xbox Series X Nintendo SwitchThe latest Sonic the Hedgehog game was released earlier this month and it's already 50% off for Cyber Monday. The game's "open zone" format is new for the franchise but it's gotten generally favorable reviews since its launch.$20 off Everlane Alpaca CrewEverlaneWith over 2500 reviews and four and a half stars, the alpaca crew is an Everlane staple. It comes in 12 colors and is 20% off on Cyber Monday.20% off Seresto Flea and Tick Collar for Large DogsChewyThe Seresto Flea and Tick Collar offer eight months of protection against fleas and ticks in all life stages. It's the only flea collar on the market that we recommend for dogs. For Cyber Monday 2022, Chewy is offering a rare deal we only see a few times a year.30% off PlayStation DualSense Wireless ControllerThere are a number of steps you can take at home with your PS5 console to resolve the connectivity error.YELIM LEE/AFP via Getty ImagesThe PS5 controller is one of the best in the industry thanks to its haptic feedback, built-in microphone, and adaptive triggers. The Cyber Monday discount extends to other colors of the controller, like black, purple, & red.30% off Yeti Rambler 10 oz Wine TumblerAmazonNow 30% off, the Yeti Rambler holds up to 10 ounces of your favorite wine whether you're on a camping trip or on the back patio. The stainless steel interior paired with the double-wall vacuum insulation is what keeps your drink exactly at the temperature you like.40% off Ninja Foodi Two-Basket Air FryerJen Gushue/InsiderThe Ninja Foodi Two-Basket Air Fryer lets you cook two separate dishes at once, and you can time them to finish simultaneously to take the guesswork out of your dinner routine. During Cyber Monday, it's at an all-time low price.$30 off The Legend of Zelda: Breath of the WildNintendoThe Legend of Zelda: Breath of the Wild is the definitive adventure game on the Nintendo Switch, sending players on a sprawling journey across a fantasy world with hundreds of secrets to discover. Right now Walmart is selling it for only $30, a rare discount that puts it at the lowest price we've ever seen.25% off Hydro Flask ToteHydro FlaskThe Hydro Flask Tote makes for the perfect travel bag, especially when storing food because its lightweight, insulated, and fully lined. For Cyber Monday, the tote is 25% off.35% off our favorite do-everything Instant PotJen Gushue/InsiderThe Instant Pot Duo Crisp is a pressure cooker, slow cooker, air fryer, and sous vide machine all in one, making it one of the most useful and economical small appliances we tested. While it's not the lowest we've seen it, it's the best price in months.See our guide to the best Instant Pots and electric pressure cookers.$50 off Oral-B iO Series 6 Electric ToothbrushAmazonStart and end every day with the Oral-B iO Series 6 Electric Toothbrush, now 40% off for Cyber Monday. Complete with five Smart Modes and technology that stores your brushing patterns, this brush comes with one more plus a travel case.$270 off Samsung 75-inch Class TU690T Series LED 4K UHD Smart Tizen TVBest BuyIf you're in need of a large screen for your living room, this Samsung TV is one of the best budget options you can find. While it may not have Samsung's latest display technology, this smart TV is fully featured with support for Alexa and Google Assistant, as well as Apple's AirPlay.17% off Bose QuietComfort II EarbudsAmazonThe Bose QuietComfort II Earbuds are the second rendition of the wireless earbuds, and they're easily one of the best noise-canceling earbuds on the market. At $50 off, they're currently at the lowest price we've seen. $20 off Apple AirTag 4-PackAppleApple's wireless trackers are compatible with the FindMy app on iPhone and iOS devices, and this matches the lowest price we've seen since their release. Just remember, you'll need a keychain holster or something else to keep them attached to your belongings.50% off Headspace subscriptionHeadspaceIf you're looking to exercise some mindfulness, a subscription to Headspace is a perfect place to start, especially at 50% off. The app offers easy-to-navigate guided meditations — from one-off sessions to help with burnout, to full-blown courses on stress and anger — from a variety of teachers, each with different perspectives.$50 off the Xbox Series STargetThe Xbox Series S is one of Microsoft's two current generation consoles, along with the Xbox Series X. Both consoles play the exact same games, but there are differences, most notably that the Series S does not include a disc drive so you can only play digitally downloaded titles. It's currently $50 off, an excellent deal for this powerful and popular console.  51% off Rosyclo Cloud SlippersAmazonWhile not the exact same pair, these cloud slippers are nearly identical in design to the ones our executive editor Sally Kaplan owns and loves. Your discount will depend on the size and color you select, but we're seeing an average savings of 51% on these trendy cloud slippers.20% off Apple MacBook Air M1 (2020)Amazon$200 off the M1 MacBook Air is a superb deal, especially when you consider the M2 MacBook Air starts at $1,200, and isn't usually discounted below $1,000.43% off Lego Classic Bricks and AnimalsWalmartA great gift for the creative builder in your life, this set includes 1,500 pieces for endless construction. At an all-time low price for Cyber Monday, this is an excellent price for a full set, especially when deals on classic Lego kits are so rare.$96 off Wüsthof Classic Hollow Edge 2-Piece Chef's Knife SetAmazonWüsthof is one of the top names in knife making. This set features a 6-inch chef's knife and a 3.5-inch paring knife, which should cover you for most tasks. During Cyber Monday, it's at an all-time low price.$200 off iRobot Roomba i3+, our favorite robot vacuumiRobotThe iRobot Roomba i3+ does more than your average robot vacuum. It develops personalized cleaning schedules and empties itself. It also does an outstanding job of cleaning. That's why we made it the top pick in our robot vacuum guide. Usually, it costs more than your average robot vacuum, but during Cyber Monday, it's at the lowest price we've ever seen.$10 off Best Friends by Sheri The Original Calming Donut Dog BedChewyThe Best Friends by Sheri the Original Calming Donut Dog Bed has a rounded shape that cradles a dog and helps them calm down naturally. It's our top pick for the best calming dog bed and rarely goes on sale. Right now, you can get it for its lowest price ever on select colors.Read our guide to the best dog beds.33% off Razor A Kick ScooterTargetIt doesn't have all of the whistles and bells of an electric scooter, but a Razor A Kick Scooter will still be fun to ride. It's built durably and can collapse to be carried around. During Cyber Monday, it's 33% off, which is the best deal we've seen since 2020.18% off Kasa Smart Plug Ultra MiniAmazonThese smart plugs are low-profile enough to fit behind most furniture and are easy to use for basic smart home functions. During Cyber Monday, they're at the best price we've seen in months.27% off Cetaphil Daily Hydrating LotionTargetDrugstore skincare brand Cetaphil has a cult following among budget-savvy shoppers. The brand's products are formulated for sensitive skin and are fragrance-free. For Cyber Monday, the Daily Hydrating Moisturizer is down $4 from its typical price since this summer. Save up to 38% on Cetaphil's other cleaners and moisturizers too. Read our guide to the best skincare brands for more information on Cetaphil.37% off Anova Culinary Nano Sous Vide Precision CookerAmazonThe Anova Precision Cooker Nano offers accuracy and ease of use at a price unmatched by other sous vide machines. This model rarely goes to a lower price, so it's a good time to buy.See our guide to the best sous vide machines. 50% off Bonobos Stretch Washed Chino 2.0NordstromWith the style and fit of classic chinos, this pair features added stretch for comfort. At 50% off, now is a good time to add more colors to your wardrobe.25% off Bissell Little Green Proheat Portable Carpet CleanerWayfairBissell makes some of our favorite carpet cleaners, and the Little Green ProHeat is a fantastic cleaner for removing stains and messes. During Cyber Monday, save 25% off.Check out our guide to the best carpet cleaners.$200 off JBL Boombox 2AmazonWhen you need music for your gathering, the JBL Boombox 2 brings powerful sound and bass to keep the party going. It's one of the best Bluetooth speakers that you can get, and right now it's on sale with an excellent and rare $200 discount.40% off SodaStream Terra Sparkling Water MakerAmazonIf you're a seltzer fan, then you should consider investing in a sparkling water maker. The Terra is SodaStream's newest model that is also cordless. It comes with one CO2 cylinder and a bottle of lime Bubly Drops. For Cyber Monday, it's an all-time low price.39% off Coway Airmega AP-1512H True HEPA PurifierCowayCoway makes some of the best air purifiers on the market. The AP-1512HH is a reliable compact unit with a 4-stage filtration system that reduces up to 99.6% of air pollution particles. This Cyber Monday deal is the lowest price since early 2021.$30 off Philips SmartSleep Connected Sleep and Wake-Up LightSuzy Hernandez/Business InsiderThe Philips SmartSleep Connected is our top pick for the best sunrise alarm clock. It will help you fall asleep gently and wake up on time by creating stunning sunset and sunrise simulations. Right now, it's 15% off, an all-time low price that we haven't seen since last year.See our guide to the best sunrise alarm clocks.60% off Beats Solo3 Wireless On-Ear HeadphonesBeatsWhile not the newest headphones in the Beats lineup, the Beats Solo3 are still a solid pair of over-ear cans. They don't offer noise-canceling capabilities, but they're still a versatile pair of headphones that deliver balanced sound and 40 hours of listening time. At $80, they're at an all-time low for Cyber Monday with the best price we've seen.13% off TeeTurtle Reversible Narwhal PlushieAmazonMore than just a cuddly stuffed animal, TeeTurtle's reversible plushies let you express your mood. Don't feel like talking to anyone? Just turn the animal to the frowny face side. For Cyber Monday, the narwhal stuffie is a modest 13% off.40% off TikTok's favorite vegetable chopperAmazonOne of TikTok's favorite gadgets, this chopper can dice an entire onion with just a single push of your palm. For Cyber Monday, it's the lowest price we've seen in months at around 40% off. As a bonus, it comes with a spiralizing attachment for making zoodles.62% off National Tree Company Pre-Lit Artificial Full Christmas Tree, 6.5 FeetAmazonIf you're still in the market for a Christmas tree, this 6.5-foot pre-lit Dunhill Fir tree is steeply discounted at 62% off for Cyber Monday; the lowest price we've ever seen for this tree.30% off sauces from Fly By JingFly by JingFly By Jing makes one of our favorite chili crisps, and the By Jing box offers a range of Sichuan sauces, including the tangy Zhong sauce and potent Mala spice mix. At 30% for the first time ever, it's the perfect foodie holiday gift.20% off Olaplex Hair Perfector No 3 Repairing TreatmentAmazonThough pricey, Olaplex's Hair Perfector is a cult favorite in beauty circles. At 20% off, it makes a thoughtful gift for anyone heard complaining about their split ends in the winter, this immensely popular hair treatment repairs brittle, dry hair and adds much-needed moisture.30% off Amazon Smart ThermostatAmazonThe Amazon Smart Home Thermostat is a simple, inexpensive smart home thermostat to control your home's temperature. It doesn't have a microphone or camera, so Alexa voice commands rely on another voice-enabled Alexa device, like an Echo smart speaker. Certain energy providers will provide benefits for switching to an energy-saving thermostat like this one, so be sure to check with yours. Right now, the thermostat is down to an all-time low price.20% off Sengled Smart Light BulbSengledSengled's smart color-changing light bulb is significantly more affordable than bulbs from big names like Philips. For about $12, this single bulb is more affordable than ever.50% off Casper Essential PillowAmazonWe're fans of Casper's pillows; we ranked the Original as the best pillow for side sleepers in our buying guide to the best pillows you can buy. The Essential pillow is soft and breathable on the outside and supportive on the inside. At $30, it matches the lowest price we've come across this year.26% off Hydro Flask Wide Mouth BottleMarathon SportsHydro Flask makes some of our favorite water bottles — they're basically indestructible without being bulky or heavy, and keep hot and cold beverages at their original temperature for at least 12 hours. It's a solid, pragmatic gift for anyone who complains about forgetting to hydrate or is on the hunt for a reliable thermos.See our guide to the best water bottles. 37% off Revlon One-Step Hair DryerAmazonThis hair tool combines styling, drying, and volumizing your hair into one simple step. It's comparable to the expensive Dyson Airwrap, but for a fraction of the cost. Down to $25, this is one of the best deals we've seen for it all year.See our guide to the best hair dryers. 50% off Roku Streaming Stick 4K (2021)RokuCompared to the Roku Streaming Stick+, the new Streaming Stick 4K provides an improved viewing experience by adding support for Dolby Vision. This advanced high dynamic range (HDR) format can provide better picture quality on TVs that support it. Right now you can get it on sale for only $25, the best price we've seen for it yet.50% off It Takes TwoAmazonThe 2021 game of the year is an entirely cooperative game that lets a friend join-in online, even if they don't own the game. This price matches the lowest we've seen to date.40% off Samsung 65-Inch Class OLED TVAmazonSamsung's first 4K OLED is also one of the very first OLED TVs to feature quantum dots. This technology allows the display to produce a wider range of colors than typical OLEDs. $1,800 is a new low price for this brand-new high-end set.50% off Melissa & Doug PAW Patrol PAWtroller Activity CenterTargetIf there's a little one in your life who loves Paw Patrol, this activity center will provide hours of fun. You can grab it for 50% off during Target's Cyber Monday sale.$500 off Hydrow rowing machinesHydrowThe Hydrow Connected Rower is the Peloton of at-home rowing machines, bringing interactive rowing workouts right to your living room. It's on sale for $500 off its normal price during Best Buy's Cyber Monday sale which is one of the lowest prices we've seen it at.Check out our review of the Hydrow to learn more about what makes this a stellar piece of exercise equipment. 29% off the De'Longhi La Specialista Arte Espresso MachineAmazonDe'Longhi is one of the best brands for home espresso makers. The Specialista Arte is one of our recommended mid-range makers and has the unique feature of a built-in tamper. This is the best price we've seen in six months on this machine.Read more about the best espresso machines we've tested here.12% off the MacBook Pro 13-inch M2AppleThe 13-inch MacBook Pro is more capable than ever. Supercharged by the next-generation M2 chip, it's Apple's most portable pro laptop, with up to 20 hours of battery life and 12% off retail. It's a surprisingly good deal when you consider this new MacBook was just released in 2022.25% off the GE Profile Opal Nugget Ice MakerWalmartOne of the few nugget ice makers on the market, the GE Profile does one task perfectly: making chewable nugget ice. It's a bulky and pricy appliance, but the unique production is worth it if you're a nugget ice loyalist. For Cyber Monday, it's $130 off the usual price, so it's a great time to buy the ice maker of your dreams. You can read more about why we love this deal here.Save 20% on a Dyson Airwrap, plus get free accessoriesDysonWith new barrels to curl and wave in both directions, brushes to control and shape, and the multi-functional Coanda smoothing dryer to dry, smooth, and hide flyaways. Existing Dyson customers can save 20% off using the code e-mailed to them on November 21. Both new and returning customers can claim $125 in free gifts with their purchase.For more information, check out our Dyson Airwrap Cyber Monday deal guide. Save $400 on our favorite mattress and get $600 in free accessoriesDreamcloudOne of our favorite mattresses, the DreamCloud Premier Hybrid Mattress offers an impressive array of features, including excellent support, a firmness that will appeal to most sleepers, and a long trial period and warranty. During the Cyber Monday sale, you can save $400 and get $599 of accessories included.Save 30% on the Apple Watch Series 7Antonio Villas-Boas/InsiderThe Apple Watch Series 7 is extremely similar to the new Series 8. It's only missing Crash Detection, body temperature sensing, and a new Low Power Mode that gives the Series 8 up to 36 hours of battery life. With that in mind, you can easily justify the $120 in savings with this deal on the Series 7.See our guide to the best Apple Watch. Save 33% on the Dyson Cyclone V10 Absolute Cordless Stick VacuumWalmartDyson vacuums are the cream of the crop, and this Cyber Monday deal for the Cyclone V10 is the best we've seen in years. Equipped with a sensor to detect whether you're vacuuming a carpet or hard floor, it's the perfect vac for any room in the house. See our guide to the best vacuums. 57% off Madden 23AmazonJust released in August, Madden 23 is the newest iteration of the ever-popular EA Sports NFL video game franchise. Down to just $30, this deal is an absolute steal — and the perfect holiday gift for the football lover or sports gamer in your life. 50% off Columbia Tipton Peak Insulated JacketColumbiaColumbia jackets are ideal for layering in cold weather, as they are warm, but not too bulky. If you're looking to upgrade for this winter, 50% off this Tipton Peak Insulated Jacket is a fantastic deal for you. See our guide to the best winter coats. 50% off Kiehls Ultimate Shave CollectionNordstromWith $72 worth of product, this gift set of men's shaving products from cult favorite brand Kiehl's is a great deal at $33.60. If you use your Nordstrom card to purchase, you can also earn a $60 Note to be used on a future purchase.41% off the ASUS Chromebook C203XAAmazonThe Asus C203XA is designed with military-grade durability, a spill-resistant keyboard, and an anti-scratch finish, making it the perfect choice for students and classrooms. Down to only $142, this is the best price it's seen in months.See our guide to the best Chromebooks. Save $90 on the Dewalt Compact Drill/Impact Combo KitAmazonThis 20-Volt MAX Brushless Compact 2-Tool Combo Kit includes 1 cordless Drill/Driver, 1 cordless Impact Driver, two 20-Volt MAX Lithium Ion Batteries, 1 charger, and a carrying bag. During The Home Depot's Cyber Monday, it's 35% off.See our guide to the best cordless drills. 75% off LifeStraw Personal Water FilterAmazonLifeStraws are portable filters that can make even some of the murkiest standing water drinkable. For backpackers and hikers, a LifeStraw can be an invaluable tool in dire situations. Down to only $13, now is a great time to buy one.44% off Chewmeter Himalayan Yaky Cheese ChewsChewyMade with potato starch and cheese, among other ingredients, Chewmeter's dog treats are rawhide-free. They were about a dollar less during Amazon's Prime Early Access Sale in October, but have been above $20 for most of the year. 50% off JBL Tune 510BT Wireless On-Ear HeadphonesJBLQuality over-ear headphones can get pricey, but these wireless ones from JBL offer great sound and up to 40 hours of play when fully charged. RIght now, they're a steep 50% off, costing right under $25. Lowest price of the year on an Insider subscriptionInsiderInsider is offering its annual subscription at its lowest price of the year as a Black Friday and Cyber Monday deal. You'll get access to in-depth reporting, exclusive stories, pitch decks, salary databases, and more. This deal expires on November 28.Rare $10 discount on Ring Fit AdventureAmazonRing Fit Adventure is a fitness-centric game that challenges you to get off the couch and perform crunches, sit-ups, and more to defeat enemies. It even comes with a special accessory called the Ring-Con to track your movements. This game rarely goes on sale, so this $10 discount from Amazon is a good deal.Save $50 on the internet's favorite frying panOur PlaceThis sleek, matte pan is an incredible gift for minimalists: It's designed to replace eight pieces of cookware, functioning as everything from a pot to a frying pan. Normally $145, you can get it for $95 for Cyber Monday.See our guide to the best nonstick frying pans. 28% off Otherland candlesOtherlandOtherland is a hot candle brand right now, known for its creative packaging and custom gift sets. For Cyber Monday, you can get 28% off a three-pack and 35% off six-packs and nine-packs.See our guide to the best places for buying candles. $100 off the new Pixel 7GoogleThis is the lowest price for Google's newest smartphone, the Pixel 7. Launched only a month ago, the Pixels are desirable Android phones, thanks to their fast performance, great image quality from the cameras, and stock Android.See our guide to the best smartphones. 50% off the Litter Genie PlusAmazonThe Litter Genie keeps odors from cat litter waste concealed. Deputy Editor Lauren Savoie likes that it holds several weeks' worth of waste so she doesn't have to take the trash out every time she scoops. For Chewy's Cyber Monday sale, it's marked down to 30% off its usual price, and over at Petco, it's 50% off — an all-time low price.Save $40 on the Theragun MiniTherabodyTherabody's fourth generation of massage guns introduced the Theragun Mini, a portable device that packs a percussive punch in a much smaller package. It's our favorite entry-level massage gun and it's on sale for $160 during Cyber Monday, which is around the lowest price we've ever seen.Buy one, get one on Masterclass subscriptionsMasterClassMasterClass is one of our favorite online learning platforms and for $180, you can get a second membership free to gift when you buy the first one. It makes for a great last-minute present and a fun way to bond with someone as you watch classes remotely.$50 off DNA kits from AncestryAncestryDNAAncestry DNA makes our favorite DNA kit, and all its DNA kits are discounted for Cyber Monday. The cheapest one is the standard kit, coming in at $59 (normally $99).20% off our favorite bathrobe from BrooklinenBrooklinenMade from 100% Turkish cotton, this super-soft robe is the ultimate luxury gift. For Cyber Monday, you can get 25% off all Brooklinen products when you check out.32% off the Kindle PaperwhiteAmazonThe Kindle Paperwhite is our favorite Kindle model so far for its big screen and adjustable warm light. At 32% off, you can snag it for under $100 to gift to the avid reader in your life.Save $70 on TCL's 55-inch 5 Series 4K Roku TVBest BuyTCL's 55-inch 5 Series 4K Roku TV delivers an impressive balance between image performance, smart connectivity, screen size, and cost. Down to $430, this discount matches deals we've seen for it in the past.Take 27% off the Nespresso's Vertuo coffee makerWilliams SonomaNespresso's Vertuo machine makes rich, frothy espresso at the touch of a button. This isn't the lowest price we've seen, but it does match last Black Friday's deal, and it's still a solid discount.Save 20% on the GoPro Hero 11 BlackThe GoPro Hero 11 Black with its recognizable form-factor. Like the Hero 9 Black and Hero 10 Black before it, there's a front screen for framing a shot — useful if you're vlogging or live-streaming.Les Shu/InsiderGoPro's best camera yet, the Hero 11 Black shoots incredible videos with smooth stabilization better than ever. For Cyber Monday, you can save $100 (20%) off the regular priceTake 50% off the Shark Vertex DuoClean PowerFins Upright VacuumAmazonThe Shark Vertex DuoClean PowerFins Upright Vacuum (AZ2002) is easy to use and has powerful suction that gets the job done on hardwood and carpeting. This Cyber Monday deal matches the lowest price we've seen.Save 24% on an HP OMEN laptopHPHP's OMEN laptops are high-performance computers that are great for creative tasks and gaming. This one is loaded with an Intel Core i7 processor and Nvidia GeForce RTX 3060 graphics. Add in 16GB of memory and a 1TB hard drive, the $1,200 sale price makes it a terrific buy for a high-end machine.Save 33% on a Sony 65 Inch 4K Ultra HD TVAmazonSony's 2022 midrange LCD TV is a solid pick for buyers who want a good all-around 4K display. It has local dimming for improved contrast, along with wide color capabilities and support for the Google TV streaming platform. This $1,000 deal price is a new low for the 65-inch model.Save $150 on the Traeger Pro Series 22 Pellet GrillHome DepotTraeger is one of our favorite grill brands, and the Pro Series 22 Pellet Grill is an excellent option for easy precision grilling and smoking. During Home Depot's Cyber Monday sale, you can save $150 off its regular price.Save 40% on the internet's favorite coatMaria Del Russo/InsiderDubbed by the internet as the "Amazon coat," this down jacket actually lives up to its hype of blending style with warmth and functionality. It comes in a range of colors from muted neutrals to bright red or yellow and is a perfect, practical gift as the winter season gets colder. The discount you'll receive depends on the color and size you choose, with an average deal of 40% off.Read the original article on Business Insider.....»»

Category: topSource: businessinsiderNov 27th, 2022

These 46 pitch decks helped fintechs disrupting trading, investing, and banking raise millions in funding

Looking for examples of real fintech pitch decks? Check out pitch decks that Qolo, Lance, and other startups used to raise money from VCs. Check out these pitch decks for examples of fintech founders sold their vision.Yulia Reznikov/Getty Images Insider has been tracking the next wave of hot new startups that are blending finance and tech.  Check out these pitch decks to see how fintech founders sold their vision. See more stories on Insider's business page. Fintech funding has been on a tear.In 2021, fintech funding hit a record $132 billion globally, according to CB Insights, more than double 2020's mark.Insider has been tracking the next wave of hot new startups that are blending finance and tech. Check out these pitch decks to see how fintech founders are selling their vision and nabbing big bucks in the process. You'll see new financial tech geared at freelancers, fresh twists on digital banking, and innovation aimed at streamlining customer onboarding. New twists on digital bankingZach Bruhnke, cofounder and CEO of HMBradleyHMBradleyConsumers are getting used to the idea of branch-less banking, a trend that startup digital-only banks like Chime, N26, and Varo have benefited from. The majority of these fintechs target those who are underbanked, and rely on usage of their debit cards to make money off interchange. But fellow startup HMBradley has a different business model. "Our thesis going in was that we don't swipe our debit cards all that often, and we don't think the customer base that we're focusing on does either," Zach Bruhnke, cofounder and CEO of HMBradley, told Insider. "A lot of our customer base uses credit cards on a daily basis."Instead, the startup is aiming to build clientele with stable deposits. As a result, the bank is offering interest-rate tiers depending on how much a customer saves of their direct deposit.Notably, the rate tiers are dependent on the percentage of savings, not the net amount. "We'll pay you more when you save more of what comes in," Bruhnke said. "We didn't want to segment customers by how much money they had. So it was always going to be about a percentage of income. That was really important to us."Check out the 14-page pitch deck fintech HMBradley, a neobank offering interest rates as high as 3%, used to raise an $18.25 million Series APersonal finance is only a text awayYinon Ravid, the chief executive and cofounder of Albert.AlbertThe COVID-19 pandemic has underscored the growing preference of mobile banking as customers get comfortable managing their finances online.The financial app Albert has seen a similar jump in activity. Currently counting more than six million members, deposits in Albert's savings offering doubled from the start of the pandemic in March 2020 to May of this year, from $350 million to $700 million, according to new numbers released by the company. Founded in 2015, Albert offers automated budgeting and savings tools alongside guided investment portfolios. It's looked to differentiate itself through personalized features, like the ability for customers to text human financial experts.Budgeting and saving features are free on Albert. But for more tailored financial advice, customers pay a subscription fee that's a pay-what-you-can model, between $4 and $14 a month. And Albert's now banking on a new tool to bring together its investing, savings, and budgeting tools.Fintech Albert used this 10-page pitch deck to raise a $100 million Series C from General Atlantic and CapitalG 'A bank for immigrants'Priyank Singh and Rohit Mittal are the cofounders of Stilt.StiltRohit Mittal remembers the difficulties he faced when he first arrived in the United States a decade ago as a master's student at Columbia University.As an immigrant from India, Mittal had no credit score in the US and had difficulty integrating into the financial system. Mittal even struggled to get approved to rent an apartment and couch-surfed until he found a roommate willing to offer him space in his apartment in the New York neighborhood Morningside Heights.That roommate was Priyank Singh, who would go on to become Mittal's cofounder when the two started Stilt, a financial-technology company designed to address the problems Mittal faced when he arrived in the US.Stilt, which calls itself "a bank for immigrants," does not require a social security number or credit history to access its offerings, including unsecured personal loans.Instead of relying on traditional metrics like a credit score, Stilt uses data such as education and employment to predict an individual's future income stability and cash flow before issuing a loan. Stilt has seen its loan volume grow by 500% in the past 12 months, and the startup has loaned to immigrants from 160 countries since its launch. Here are the 15 slides Stilt, which calls itself 'a bank for immigrants,' used to raise a $14 million Series AAn IRA for alternativesHenry Yoshida is the co-founder and CEO of retirement fintech startup Rocket Dollar.Rocket DollarFintech startup Rocket Dollar, which helps users invest their individual retirement account (IRA) dollars into alternative assets, just raised $8 million for its Series A round, the company announced on Thursday.Park West Asset Management led the round, with participation from investors including Hyphen Capital, which focuses on backing Asian American entrepreneurs, and crypto exchange Kraken's venture arm. Co-founded in 2018 by CEO Henry Yoshida, CTO Rick Dude, and VP of marketing Thomas Young, Rocket Dollar now has over $350 million in assets under management on its platform. Yoshida sold his first startup, a roboadvisor called Honest Dollar, to Goldman Sachs' investment management division for an estimated $20 million.Yoshida told Insider that while ultra-high net worth investors have been investing self-directed retirement account dollars into alternative assets like real estate, private equity, and cryptocurrency, average investors have not historically been able to access the same opportunities to invest IRA dollars in alternative assets through traditional platforms.Here's the 34-page pitch deck a fintech that helps users invest their retirement savings in crypto and real estate assets used to nab $8 millionA trading app for activismAntoine Argouges, CEO and founder of TulipshareTulipshareAn up-and-coming fintech is taking aim at some of the world's largest corporations by empowering retail investors to push for social and environmental change by pooling their shareholder rights.London-based Tulipshare lets individuals in the UK invest as little as one pound in publicly-traded company stocks. The upstart combines individuals' shareholder rights with other like-minded investors to advocate for environmental, social, and corporate governance change at firms like JPMorgan, Apple, and Amazon.The goal is to achieve a higher number of shares to maximize the number of votes that can be submitted at shareholder meetings. Already a regulated broker-dealer in the UK, Tulipshare recently applied for registration as a broker-dealer in the US. "If you ask your friends and family if they've ever voted on shareholder resolutions, the answer will probably be close to zero," CEO and founder Antoine Argouges told Insider. "I started Tulipshare to utilize shareholder rights to bring about positive corporate change that has an impact on people's lives and our planet — what's more powerful than money to change the system we live in?"Check out the 14-page pitch deck from Tulipshare, a trading app that lets users pool their shareholder votes for activism campaignsDigital tools for independent financial advisorsJason Wenk, founder and CEO of AltruistAltruistJason Wenk started his career at Morgan Stanley in investment research over 20 years ago. Now, he's running a company that is hoping to broaden access to financial advice for less-wealthy individuals. The startup raised $50 million in Series B funding led by Insight Partners with participation from investors Vanguard and Venrock. The round brings the Los Angeles-based startup's total funding to just under $67 million.Founded in 2018, Altruist is a digital brokerage built for independent financial advisors, intended to be an "all-in-one" platform that unites custodial functions, portfolio accounting, and a client-facing portal. It allows advisors to open accounts, invest, build models, report, trade (including fractional shares), and bill clients through an interface that can advisors time by eliminating mundane operational tasks.Altruist aims to make personalized financial advice less expensive, more efficient, and more inclusive through the platform, which is designed for registered investment advisors (RIAs), a growing segment of the wealth management industry. Here's the pitch deck for Altruist, a wealth tech challenging custodians Fidelity and Charles Schwab, that raised $50 million from Vanguard and InsightRethinking debt collection Jason Saltzman, founder and CEO of ReliefReliefFor lenders, debt collection is largely automated. But for people who owe money on their credit cards, it can be a confusing and stressful process.  Relief is looking to change that. Its app automates the credit-card debt collection process for users, negotiating with lenders and collectors to settle outstanding balances on their behalf. The fintech just launched and closed a $2 million seed round led by Collaborative Ventures. Relief's fundraising experience was a bit different to most. Its pitch deck, which it shared with one investor via Google Slides, went viral. It set out to raise a $1 million seed round, but ended up doubling that and giving some investors money back to make room for others.Check out a 15-page pitch deck that went viral and helped a credit-card debt collection startup land a $2 million seed roundHelping small banks lendTKCollateralEdgeFor large corporations with a track record of tapping the credit markets, taking out debt is a well-structured and clear process handled by the nation's biggest investment banks and teams of accountants. But smaller, middle-market companies — typically those with annual revenues ranging up to $1 billion — are typically served by regional and community banks that don't always have the capacity to adequately measure the risk of loans or price them competitively. Per the National Center for the Middle Market, 200,000 companies fall into this range, accounting for roughly 33% of US private sector GDP and employment.Dallas-based fintech CollateralEdge works with these banks — typically those with between $1 billion and $50 billion in assets — to help analyze and price slices of commercial and industrial loans that previously might have gone unserved by smaller lenders.On October 20th, CollateralEdge announced a $3.5 million seed round led by Dallas venture fund Perot Jain with participation from Kneeland Youngblood (a founder of the healthcare-focused private-equity firm Pharos Capital) and other individual investors.Here's the 10-page deck CollateralEdge, a fintech streamlining how small banks lend to businesses, used to raise a $3.5 million seed roundA new way to assess creditworthinessPinwheel founders Curtis Lee, Kurt Lin, and Anish Basu.PinwheelGrowing up, Kurt Lin never saw his father get frustrated. A "traditional, stoic figure," Lin said his father immigrated to the United States in the 1970s. Becoming part of the financial system proved even more difficult than assimilating into a new culture.Lin recalled visiting bank after bank with his father as a child, watching as his father's applications for a mortgage were denied due to his lack of credit history. "That was the first time in my life I really saw him crack," Lin told Insider. "The system doesn't work for a lot of people — including my dad," he added. Lin would find a solution to his father's problem years later while working with Anish Basu, and Curtis Lee on an automated health savings account. The trio realized the payroll data integrations they were working on could be the basis of a product that would help lenders work with consumers without strong credit histories."That's when the lightbulb hit," said Lin, Pinwheel's CEO.In 2018, Lin, Basu, and Lee founded Pinwheel, an application-programming interface that shares payroll data to help both fintechs and traditional lenders serve consumers with limited or poor credit, who have historically struggled to access financial products. Here's the 9-page deck that Pinwheel, a fintech helping lenders tap into payroll data to serve consumers with little to no credit, used to raise a $50 million Series BAn alternative auto lenderTricolorAn alternative auto lender that caters to thin- and no-credit Hispanic borrowers is planning a national expansion after scoring a $90 million investment from BlackRock-managed funds. Tricolor is a Dallas-based auto lender that is a community development financial institution. It uses a proprietary artificial-intelligence engine that decisions each customer based on more than 100 data points, such as proof of income. Half of Tricolor's customers have a FICO score, and less than 12% have scores above 650, yet the average customer has lived in the US for 15 years, according to the deck.A 2017 survey by the Federal Deposit Insurance Corporation found 31.5% of Hispanic households had no mainstream credit compared to 14.4% of white households. "For decades, the deck has been stacked against low income or credit invisible Hispanics in the United States when it comes to the purchase and financing of a used vehicle," Daniel Chu, founder and CEO of Tricolor, said in a statement announcing the raise.An auto lender that caters to underbanked Hispanics used this 25-page deck to raise $90 million from BlackRock investors A new way to access credit The TomoCredit teamTomoCreditKristy Kim knows first-hand the challenge of obtaining credit in the US without an established credit history. Kim, who came to the US from South Korea, couldn't initially get access to credit despite having a job in investment banking after graduating college. "I was in my early twenties, I had a good income, my job was in investment banking but I could not get approved for anything," Kim told Insider. "Many young professionals like me, we deserve an opportunity to be considered but just because we didn't have a Fico, we weren't given a chance to even apply," she added.Kim started TomoCredit in 2018 to help others like herself gain access to consumer credit. TomoCredit spent three years building an internal algorithm to underwrite customers based on cash flow, rather than a credit score.TomoCredit, a fintech that lends to thin- and no-credit borrowers, used this 17-page pitch deck to raise its $10 million Series AHelping streamline how debts are repaidMethod Financial cofounders Jose Bethancourt and Marco del Carmen.Method FinancialWhen Jose Bethancourt graduated from the University of Texas at Austin in May 2019, he faced the same question that confronts over 43 million Americans: How would he repay his student loans?The problem led Bethancourt on a nearly two-year journey that culminated in the creation of a startup aimed at making it easier for consumers to more seamlessly pay off all kinds of debt.  Initially, Bethancourt and fellow UT grad Marco del Carmen built GradJoy, an app that helped users better understand how to manage student loan repayment and other financial habits. GradJoy was accepted into Y Combinator in the summer of 2019. But the duo quickly realized the real benefit to users would be helping them move money to make payments instead of simply offering recommendations."When we started GradJoy, we thought, 'Oh, we'll just give advice — we don't think people are comfortable with us touching their student loans,' and then we realized that people were saying, 'Hey, just move the money — if you think I should pay extra, then I'll pay extra.' So that's kind of the movement that we've seen, just, everybody's more comfortable with fintechs doing what's best for them," Bethancourt told Insider. Here is the 11-slide pitch deck Method Financial, a Y Combinator-backed fintech making debt repayment easier, used to raise $2.5 million in pre-seed fundingQuantum computing made easyQC Ware CEO Matt Johnson.QC WareEven though banks and hedge funds are still several years out from adding quantum computing to their tech arsenals, that hasn't stopped Wall Street giants from investing time and money into the emerging technology class. And momentum for QC Ware, a startup looking to cut the time and resources it takes to use quantum computing, is accelerating. The fintech secured a $25 million Series B on September 29 co-led by Koch Disruptive Technologies and Covestro with participation from D.E. Shaw, Citi, and Samsung Ventures.QC Ware, founded in 2014, builds quantum algorithms for the likes of Goldman Sachs (which led the fintech's Series A), Airbus, and BMW Group. The algorithms, which are effectively code bases that include quantum processing elements, can run on any of the four main public-cloud providers.Quantum computing allows companies to do complex calculations faster than traditional computers by using a form of physics that runs on quantum bits as opposed to the traditional 1s and 0s that computers use. This is especially helpful in banking for risk analytics or algorithmic trading, where executing calculations milliseconds faster than the competition can give firms a leg up. Here's the 20-page deck QC Ware, a fintech making quantum computing more accessible, used to raised its $25 million Series BSimplifying quant modelsKirat Singh and Mark Higgins, Beacon's cofounders.BeaconA fintech that helps financial institutions use quantitative models to streamline their businesses and improve risk management is catching the attention, and capital, of some of the country's biggest investment managers.Beacon Platform, founded in 2014, is a fintech that builds applications and tools to help banks, asset managers, and trading firms quickly integrate quantitative models that can help with analyzing risk, ensuring compliance, and improving operational efficiency. The company raised its Series C on Wednesday, scoring a $56 million investment led by Warburg Pincus with support from Blackstone Innovations Investments, PIMCO, and Global Atlantic. Blackstone, PIMCO, and Global Atlantic are also users of Beacon's tech, as are the Commonwealth Bank of Australia and Shell New Energies, a division of Royal Dutch Shell, among others.The fintech provides a shortcut for firms looking to use quantitative modelling and data science across various aspects of their businesses, a process that can often take considerable resources if done solo.Here's the 20-page pitch deck Beacon, a fintech helping Wall Street better analyze risk and data, used to raise $56 million from Warburg Pincus, Blackstone, and PIMCOSussing out bad actorsFrom left to right: Cofounders CTO David Movshovitz, CEO Doron Hendler, and chief architect Adi DeGaniRevealSecurityAn encounter with an impersonation hacker led Doron Hendler to found RevealSecurity, a Tel Aviv-based cybersecurity startup that monitors for insider threats.Two years ago, a woman impersonating an insurance-agency representative called Hendler and convinced him that he made a mistake with his recent health insurance policy upgrade. She got him to share his login information for his insurer's website, even getting him to give the one-time passcode sent to his phone. Once the hacker got what she needed, she disconnected the call, prompting Hendler to call back. When no one picked up the phone, he realized he had been conned.He immediately called his insurance company to check on his account. Nothing seemed out of place to the representative. But Hendler, who was previously a vice president of a software company, suspected something intangible could have been collected, so he reset his credentials."The chief of information security, who was on the call, he asked me, 'So, how do you want me to identify you? You gave your credentials; you gave your ID; you gave the one time password. How the hell can I identify that it's not you?' And I told him, 'But I never behave like this,'" Hendler recalled of the conversation.RevealSecurity, a Tel Aviv-based cyber startup that tracks user behavior for abnormalities, used this 27-page deck to raise its Series AA new data feed for bond tradingMark Lennihan/APFor years, the only way investors could figure out the going price of a corporate bond was calling up a dealer on the phone. The rise of electronic trading has streamlined that process, but data can still be hard to come by sometimes. A startup founded by a former Goldman Sachs exec has big plans to change that. BondCliQ is a fintech that provides a data feed of pre-trade pricing quotes for the corporate bond market. Founded by Chris White, the creator of Goldman Sachs' defunct corporate-bond-trading system, BondCliQ strives to bring transparency to a market that has traditionally kept such data close to the vest. Banks, which typically serve as the dealers of corporate bonds, have historically kept pre-trade quotes hidden from other dealers to maintain a competitive advantage.But tech advancements and the rise of electronic marketplaces have shifted power dynamics into the hands of buy-side firms, like hedge funds and asset managers. The investors are now able to get a fuller picture of the market by aggregating price quotes directly from dealers or via vendors.Here's the 9-page pitch deck that BondCliQ, a fintech looking to bring more data and transparency to bond trading, used to raise its Series AFraud prevention for lenders and insurersFiordaliso/Getty ImagesOnboarding new customers with ease is key for any financial institution or retailer. The more friction you add, the more likely consumers are to abandon the entire process.But preventing fraud is also a priority, and that's where Neuro-ID comes in. The startup analyzes what it calls "digital body language," or, the way users scroll, type, and tap. Using that data, Neuro-ID can identify fraudulent users before they create an account. It's built for banks, lenders, insurers, and e-commerce players."The train has left the station for digital transformation, but there's a massive opportunity to try to replicate all those communications that we used to have when we did business in-person, all those tells that we would get verbally and non-verbally on whether or not someone was trustworthy," Neuro-ID CEO Jack Alton told Insider.Founded in 2014, the startup's pitch is twofold: Neuro-ID can save companies money by identifying fraud early, and help increase user conversion by making the onboarding process more seamless. In December Neuro-ID closed a $7 million Series A, co-led by Fin VC and TTV Capital, with participation from Canapi Ventures. With 30 employees, Neuro-ID is using the fresh funding to grow its team and create additional tools to be more self-serving for customers.Here's the 11-slide pitch deck a startup that analyzes consumers' digital behavior to fight fraud used to raise a $7 million Series AAI-powered tools to spot phony online reviews FakespotMarketplaces like Amazon and eBay host millions of third-party sellers, and their algorithms will often boost items in search based on consumer sentiment, which is largely based on reviews. But many third-party sellers use fake reviews often bought from click farms to boost their items, some of which are counterfeit or misrepresented to consumers.That's where Fakespot comes in. With its Chrome extension, it warns users of sellers using potentially fake reviews to boost sales and can identify fraudulent sellers. Fakespot is currently compatible with Amazon, BestBuy, eBay, Sephora, Steam, and Walmart."There are promotional reviews written by humans and bot-generated reviews written by robots or review farms," Fakespot founder and CEO Saoud Khalifah told Insider. "Our AI system has been built to detect both categories with very high accuracy."Fakespot's AI learns via reviews data available on marketplace websites, and uses natural-language processing to identify if reviews are genuine. Fakespot also looks at things like whether the number of positive reviews are plausible given how long a seller has been active.Fakespot, a startup that helps shoppers detect robot-generated reviews and phony sellers on Amazon and Shopify, used this pitch deck to nab a $4 million Series AHelping fintechs manage dataProper Finance co-founders Travis Gibson (left) and Kyle MaloneyProper FinanceAs the flow of data becomes evermore crucial for fintechs, from the strappy startup to the established powerhouse, a thorny issue in the back office is becoming increasingly complex.Even though fintechs are known for their sleek front ends, the back end is often quite the opposite. Behind that streamlined interface can be a mosaic of different partner integrations — be it with banks, payments players and networks, or software vendors — with a channel of data running between them. Two people who know that better than the average are Kyle Maloney and Travis Gibson, two former employees of Marqeta, a fintech that provides other fintechs with payments processing and card issuance. "Take an established neobank for example. They'll likely have one or two card issuers, two to three bank partners, ACH processing for direct deposits and payouts, mobile check deposits, peer-to-peer payments, and lending," Gibson told Insider. Here's the 12-page pitch deck a startup helping fintechs manage their data used to score a $4.3 million seed from investors like Redpoint Ventures and Y CombinatorE-commerce focused business bankingMichael Rangel, cofounder and CEO, and Tyler McIntyre, cofounder and CTO of Novo.Kristelle Boulos PhotographyBusiness banking is a hot market in fintech. And it seems investors can't get enough.Novo, the digital banking fintech aimed at small e-commerce businesses, raised a $40.7 million Series A led by Valar Ventures in June. Since its launch in 2018, Novo has signed up 100,000 small businesses. Beyond bank accounts, it offers expense management, a corporate card, and integrates with e-commerce infrastructure players like Shopify, Stripe, and Wise.Founded in 2018, Novo was based in New York City, but has since moved its headquarters to Miami. Here's the 12-page pitch deck e-commerce banking startup Novo used to raise its $40 million Series AShopify for embedded financeProductfy CEO and founder, Duy VoProductfyProductfy is looking to break into embedded finance by becoming the Shopify of back-end banking services.Embedded finance — integrating banking services in non-financial settings — has taken hold in the e-commerce world. But Productfy is going after a different kind of customer in churches, universities, and nonprofits.The San Jose, Calif.-based upstart aims to help non-finance companies offer their own banking products. Productfy can help customers launch finance features in as little as a week and without additional engineering resources or background knowledge of banking compliance or legal requirements, Productfy founder and CEO Duy Vo told Insider. "You don't need an engineer to stand up Shopify, right? You can be someone who's just creating art and you can use Shopify to build your own online store," Vo said, adding that Productfy is looking to take that user experience and replicate it for banking services.Here's the 15-page pitch deck Productfy, a fintech looking to be the Shopify of embedded finance, used to nab a $16 million Series ADeploying algorithms and automation to small-business financingJustin Straight and Bernard Worthy, LoanWell co-foundersLoanWellBernard Worthy and Justin Straight, the founders of LoanWell, want to break down barriers to financing for small and medium-size businesses — and they've got algorithms and automation in their tech arsenals that they hope will do it.Worthy, the company's CEO, and Straight, its chief operating and financial officer, are powering community-focused lenders to fill a gap in the SMB financing world by boosting access to loans under $100,000. And the upstart is known for catching the attention, and dollars, of mission-driven investors. LoanWell closed a $3 million seed financing round in December led by Impact America Fund with participation from SoftBank's SB Opportunity Fund and Collab Capital.LoanWell automates the financing process — from underwriting and origination, to money movement and servicing — which shaves down an up-to-90-day process to 30 days or even same-day with some LoanWell lenders, Worthy said. SMBs rely on these loans to process quickly after two years of financial uncertainty. But the pandemic illustrated how time-consuming and expensive SMB financing can be, highlighted by efforts like the federal government's Paycheck Protection Program.Community banks, once the lifeline to capital for many local businesses, continue to shutter. And demands for smaller loan amounts remain largely unmet. More than half of business-loan applicants sought $100,000 or less, according to 2018 data from the Federal Reserve. But the average small-business bank loan was closer to six times that amount, according to the latest data from a now discontinued Federal Reserve survey.Here's the 14-page pitch deck LoanWell used to raise $3 million from investors like SoftBank.Branded cards for SMBsJennifer Glaspie-Lundstrom is the cofounder and CEO of Tandym.TandymJennifer Glaspie-Lundstrom is no stranger to the private-label credit-card business. As a former Capital One exec, she worked in both the card giant's co-brand partnerships division and its tech organization during her seven years at the company.Now, Glaspie-Lundstrom is hoping to use that experience to innovate a sector that was initially created in malls decades ago.Glaspie-Lundstrom is the cofounder and CEO of Tandym, which offers private-label digital credit cards to merchants. Store and private-label credit cards aren't a new concept, but Tandym is targeting small- and medium-sized merchants with less than $1 billion in annual revenue. Glaspie-Lundstrom said that group often struggles to offer private-label credit due to the expense of working with legacy players."What you have is this example of a very valuable product type that merchants love and their customers love, but a huge, untapped market that has heretofore been unserved, and so that's what we're doing with Tandym," Glaspi-Lundstrom told Insider.A former Capital One exec used this deck to raise $60 million for a startup helping SMBs launch their own branded credit cardsCatering to 'micro businesses'Stefanie Sample is the founder and CEO of FundidFundidStartups aiming to simplify the often-complex world of corporate cards have boomed in recent years.Business-finance management startup Brex was last valued at $12.3 billion after raising $300 million last year. Startup card provider Ramp announced an $8.1 billion valuation in March after growing its revenue nearly 10x in 2021. Divvy, a small business card provider, was acquired by Bill.com in May 2021 for approximately $2.5 billion.But despite how hot the market has gotten, Stefanie Sample said she ended up working in the space by accident. Sample is the founder and CEO of Fundid, a new fintech that provides credit and lending products to small businesses.This May, Fundid announced a $3.25 million seed round led by Nevcaut Ventures. Additional investors include the Artemis Fund and Builders and Backers. The funding announcement capped off the company's first year: Sample introduced the Fundid concept in April 2021, launched its website in May, and began raising capital in August."I never meant to do Fundid," Sample told Insider. "I never meant to do something that was venture-backed."Read the 12-page deck used by Fundid, a fintech offering credit and lending tools for 'micro businesses'Embedded payments for SMBsThe Highnote teamHighnoteBranded cards have long been a way for merchants with the appropriate bank relationships to create additional revenue and build customer loyalty. The rise of embedded payments, or the ability to shop and pay in a seamless experience within a single app, has broadened the number of companies looking to launch branded cards.Highnote is a startup that helps small to mid-sized merchants roll out their own debit and pre-paid digital cards. The fintech emerged from stealth on Tuesday to announce it raised $54 million in seed and Series A funding.Here's the 12-page deck Highnote, a startup helping SMBs embed payments, used to raise $54 million in seed and Series A fundingSpeeding up loans for government contractors OppZo cofounders Warren Reed and Randy GarrettOppZoThe massive market for federal government contracts approached $700 billion in 2020, and it's likely to grow as spending accelerates amid an ongoing push for investment in the nation's infrastructure. Many of those dollars flow to small-and-medium sized businesses, even though larger corporations are awarded the bulk of contracts by volume. Of the roughly $680 billion in federal contracts awarded in 2020, roughly a quarter, according to federal guidelines, or some $146 billion that year, went to smaller businesses.But peeking under the hood of the procurement process, the cofounders of OppZo — Randy Garrett and Warren Reed — saw an opportunity to streamline how smaller-sized businesses can leverage those contracts to tap in to capital.  Securing a deal is "a government contractor's best day and their worst day," as Garrett, OppZo's president, likes to put it."At that point they need to pay vendors and hire folks to start the contract. And they may not get their first contract payment from the government for as long as 120 days," Reed, the startup's CEO,  told Insider. Check out the 12-page pitch deck OppZo, a fintech that has figured out how to speed up loans to small government contractors, used to raise $260 million in equity and debtHelping small businesses manage their taxesComplYant's founder Shiloh Jackson wants to help people be present in their bookkeeping.ComplYantAfter 14 years in tax accounting, Shiloh Johnson had formed a core philosophy around corporate accounting: everyone deserves to understand their business's money and business owners need to be present in their bookkeeping process.She wanted to help small businesses understand "this is why you need to do what you're doing and why you have to change the way you think about tax and be present in your bookkeeping process," she told Insider. The Los Angeles native wanted small businesses to not only understand business tax no matter their size but also to find the tools they needed to prepare their taxes in one spot. So Johnson developed a software platform that provides just that.The 13-page pitch deck ComplYant used to nab $4 million that details the tax startup's plan to be Turbotax, Quickbooks, and Xero rolled into one for small business ownersAutomating accounting ops for SMBsDecimal CEO Matt Tait.DecimalSmall- and medium-sized businesses can rely on any number of payroll, expense management, bill pay, and corporate-card startups promising to automate parts of their financial workflow. Smaller firms have adopted this corporate-financial software en masse, boosting growth throughout the pandemic for relatively new entrants like Ramp and massive, industry stalwarts like Intuit. But it's no easy task to connect all of those tools into one, seamless process. And while accounting operations might be far from where many startup founders want to focus their time, having efficient back-end finances does mean time — and capital — freed up to spend elsewhere. For Decimal CEO Matt Tait, there's ample opportunity in "the boring stuff you have to do to survive as a company," he told Insider. Launched in 2020, Decimal provides a back-end tech layer that small- and medium-sized businesses can use to integrate their accounting and business-management software tools in one place.On Wednesday, Decimal announced a $9 million seed fundraising round led by Minneapolis-based Arthur Ventures, alongside Service Providers Capital and other angel investors. See the 13-page pitch deck for Decimal, a startup automating accounting ops for small businessesInvoice financing for SMBsStacey Abrams and Lara Hodgson, Now co-foundersNowAbout a decade ago, politician Stacey Abrams and entrepreneur Lara Hodgson were forced to fold their startup because of a kink in the supply chain — but not in the traditional sense.Nourish, which made spill-proof bottled water for children, had grown quickly from selling to small retailers to national ones. And while that may sound like a feather in the small business' cap, there was a hang-up."It was taking longer and longer to get paid, and as you can imagine, you deliver the product and then you wait and you wait, but meanwhile you have to pay your employees and you have to pay your vendors," Hodgson told Insider. "Waiting to get paid was constraining our ability to grow."While it's not unusual for small businesses to grapple with working capital issues, the dust was still settling from the Great Recession. Abrams and Hodgson couldn't secure a line of credit or use financing tools like factoring to solve their problem. The two entrepreneurs were forced to close Nourish in 2012, but along the way they recognized a disconnect in the system.  "Why are we the ones borrowing money, when in fact we're the lender here because every time you send an invoice to a customer, you've essentially extended a free loan to that customer by letting them pay later," Hodgson said. "And the only reason why we were going to need to possibly borrow money was because we had just given ours away for free to Whole Foods," she added.Check out the 7-page deck that Now, Stacey Abrams' fintech that wants to help small businesses 'grow fearlessly', used to raise $29 millionCheckout made easyRyan Breslow.Ryan BreslowAmazon has long dominated e-commerce with its one-click checkout flows, offering easier ways for consumers to shop online than its small-business competitors.Bolt gives small merchants tools to offer the same easy checkouts so they can compete with the likes of Amazon.The startup raised its $393 million Series D to continue adding its one-click checkout feature to merchants' own websites in October.Bolt markets to merchants themselves. But a big part of Bolt's pitch is its growing network of consumers — currently over 5.6 million — that use its features across multiple Bolt merchant customers. Roughly 5% of Bolt's transactions were network-driven in May, meaning users that signed up for a Bolt account on another retailer's website used it elsewhere. The network effects were even more pronounced in verticals like furniture, where 49% of transactions were driven by the Bolt network."The network effect is now unleashed with Bolt in full fury, and that triggered the raise," Bolt's founder and CEO Ryan Breslow told Insider.Here's the 12-page deck that one-click checkout Bolt used to outline its network of 5.6 million consumers and raise its Series DPayments infrastructure for fintechsQolo CEO and co-founder Patricia MontesiQoloThree years ago, Patricia Montesi realized there was a disconnect in the payments world. "A lot of new economy companies or fintech companies were looking to mesh up a lot of payment modalities that they weren't able to," Montesi, CEO and co-founder of Qolo, told Insider.Integrating various payment capabilities often meant tapping several different providers that had specializations in one product or service, she added, like debit card issuance or cross-border payments. "The way people were getting around that was that they were creating this spider web of fintech," she said, adding that "at the end of it all, they had this mess of suppliers and integrations and bank accounts."The 20-year payments veteran rounded up a group of three other co-founders — who together had more than a century of combined industry experience — to start Qolo, a business-to-business fintech that sought out to bundle back-end payment rails for other fintechs.Here's the 11-slide pitch deck a startup that provides payments infrastructure for other fintechs used to raise a $15 million Series ABetter use of payroll dataAtomic's Head of Markets, Lindsay DavisAtomicEmployees at companies large and small know the importance — and limitations — of how firms manage their payrolls. A new crop of startups are building the API pipes that connect companies and their employees to offer a greater level of visibility and flexibility when it comes to payroll data and employee verification. On Thursday, one of those names, Atomic, announced a $40 million Series B fundraising round co-led by Mercato Partners and Greylock, alongside Core Innovation Capital, Portage, and ATX Capital. The round follows Atomic's Series A round announced in October, when the startup raised a $22 million Series A from investors including Core Innovation Capital, Portage, and Greylock.Payroll startup Atomic just raised a $40 million Series B. Here's an internal deck detailing the fintech's approach to the red-hot payments space.Saving on vendor invoicesHoward Katzenberg, Glean's CEO and cofounderGleanWhen it comes to high-flying tech startups, headlines and investors typically tend to focus on industry "disruption" and the total addressable market a company is hoping to reach. Expense cutting as a way to boost growth typically isn't part of the conversation early on, and finance teams are viewed as cost centers relative to sales teams. But one fast-growing area of business payments has turned its focus to managing those costs. Startups like Ramp and established names like Bill.com have made their name offering automated expense-management systems. Now, one new fintech competitor, Glean, is looking to take that further by offering both automated payment services and tailored line-item accounts-payable insights driven by machine-learning models. Glean's CFO and founder, Howard Katzenberg, told Insider that the genesis of Glean was driven by his own personal experience managing the finance teams of startups, including mortgage lender Better.com, which Katzenberg left in 2019, and online small-business lender OnDeck. "As a CFO of high-growth companies, I spent a lot of time focused on revenue and I had amazing dashboards in real time where I could see what is going on top of the funnel, what's going on with conversion rates, what's going on in terms of pricing and attrition," Katzenberg told Insider. See the 15-slide pitch deck Glean, a startup using machine learning to find savings in vendor invoices, used to raise $10.8 million in seed fundingReal-estate management made easyAgora founders Noam Kahan, CTO, Bar Mor, CEO, and Lior Dolinski, CPOAgoraFor alternative asset managers of any type, the operations underpinning sales and investor communications are a crucial but often overlooked part of the business. Fund managers love to make bets on markets, not coordinate hundreds of wire transfers to clients each quarter or organize customer-relationship-management databases.Within the $10.6 trillion global market for professionally managed real-estate investing, that's where Tel Aviv and New York-based startup Agora hopes to make its mark.Founded in 2019, Agora offers a set of back-office, investor relations, and sales software tools that real-estate investment managers can plug into their workflows. On Wednesday, Agora announced a $9 million seed round, led by Israel-based venture firm Aleph, with participation from River Park Ventures and Maccabee Ventures. The funding comes on the heels of an October 2020 pre-seed fund raise worth $890,000, in which Maccabee also participated.Here's the 15-slide pitch deck that Agora, a startup helping real-estate investors manage communications and sales with their clients, used to raise a $9 million seed roundAccess to commercial real-estate investing LEX Markets cofounders and co-CEOs Drew Sterrett and Jesse Daugherty.LEX MarketsDrew Sterrett was structuring real-estate deals while working in private equity when he realized the inefficiencies that existed in the market. Only high-net worth individuals or accredited investors could participate in commercial real-estate deals. If they ever wanted to leave a partnership or sell their stake in a property, it was difficult to find another investor to replace them. Owners also struggled to sell minority stakes in their properties and didn't have many good options to recapitalize an asset if necessary.In short, the market had a high barrier to entry despite the fact it didn't always have enough participants to get deals done quickly. "Most investors don't have access to high-quality commercial real-estate investments. How do we have the oldest and largest asset class in the world and one of the largest wealth creators with no public and liquid market?" Sterrett told Insider. "It sort of seems like a no-brainer, and that this should have existed 50 or 60 years ago."This 15-page pitch deck helped LEX Markets, a startup making investing in commercial real estate more accessible, raise $15 millionInsurance goes digitalJamie Hale, CEO and cofounder of LadderLadderFintechs looking to transform how insurance policies are underwritten, issued, and experienced by customers have grown as new technology driven by digital trends and artificial intelligence shape the market. And while verticals like auto, homeowner's, and renter's insurance have seen their fair share of innovation from forward-thinking fintechs, one company has taken on the massive life-insurance market. Founded in 2017, Ladder uses a tech-driven approach to offer life insurance with a digital, end-to-end service that it says is more flexible, faster, and cost-effective than incumbent players.Life, annuity, and accident and health insurance within the US comprise a big chunk of the broader market. In 2020, premiums written on those policies totaled some $767 billion, compared to $144 billion for auto policies and $97 billion for homeowner's insurance.Here's the 12-page deck that Ladder, a startup disrupting the 'crown jewel' of the insurance market, used to nab $100 millionData science for commercial insuranceTanner Hackett, founder and CEO of CounterpartCounterpartThere's been no shortage of funds flowing into insurance-technology companies over the past few years. Private-market funding to insurtechs soared to $15.4 billion in 2021, a 90% increase compared to 2020. Some of the most well-known consumer insurtech names — from Oscar (which focuses on health insurance) to Metromile (which focuses on auto) — launched on the public markets last year, only to fall over time or be acquired as investors questioned the sustainability of their business models. In the commercial arena, however, the head of one insurtech company thinks there is still room to grow — especially for those catering to small businesses operating in an entirely new, pandemic-defined environment. "The bigger opportunity is in commercial lines," Tanner Hackett, the CEO of management liability insurer Counterpart, told Insider."Everywhere I poke, I'm like, 'Oh my goodness, we're still in 1.0, and all the other businesses I've built were on version three.' Insurance is still in 1.0, still managing from spreadsheets and PDFs," added Hackett, who also previously co-founded Button, which focuses on mobile marketing. See the 8-page pitch deck Counterpart, a startup disrupting commercial insurance with data science, used to raise a $30 million Series BSmarter insurance for multifamily propertiesItai Ben-Zaken, cofounder and CEO of Honeycomb.HoneycombA veteran of the online-insurance world is looking to revolutionize the way the industry prices risk for commercial properties with the help of artificial intelligence.Insurance companies typically send inspectors to properties before issuing policies to better understand how the building is maintained and identify potential risks or issues with it. It's a process that can be time-consuming, expensive, and inefficient, making it hard to justify for smaller commercial properties, like apartment and condo buildings.Insurtech Honeycomb is looking to fix that by using AI to analyze a combination of third-party data and photos submitted by customers through the startup's app to quickly identify any potential risks at a property and more accurately price policies."That whole physical inspection thing had really good things in it, but it wasn't really something that is scalable and, it's also expensive," Itai Ben-Zaken, Honeycomb's cofounder and CEO, told Insider. "The best way to see a property right now is Google street view. Google street view is usually two years old."Here's the 10-page Series A pitch deck used by Honeycomb, a startup that wants to revolutionize the $26 billion market for multifamily property insuranceHelping freelancers with their taxesJaideep Singh is the CEO and co-founder of FlyFin, an AI-driven tax preparation software program for freelancers.FlyFinSome people, particularly those with families or freelancing businesses, spend days searching for receipts for tax season, making tax preparation a time consuming and, at times, taxing experience. That's why in 2020 Jaideep Singh founded FlyFin, an artificial-intelligence tax preparation program for freelancers that helps people, as he puts it, "fly through their finances." FlyFin is set up to connect to a person's bank accounts, allowing the AI program to help users monitor for certain expenses that can be claimed on their taxes like business expenditures, the interest on mortgages, property taxes, or whatever else that might apply. "For most individuals, people have expenses distributed over multiple financial institutions. So we built an AI platform that is able to look at expenses, understand the individual, understand your profession, understand the freelance population at large, and start the categorization," Singh told Insider.Check out the 7-page pitch deck a startup helping freelancers manage their taxes used to nab $8 million in fundingDigital banking for freelancersJGalione/Getty ImagesLance is a new digital bank hoping to simplify the life of those workers by offering what it calls an "active" approach to business banking. "We found that every time we sat down with the existing tools and resources of our accountants and QuickBooks and spreadsheets, we just ended up getting tangled up in the whole experience of it," Lance cofounder and CEO Oona Rokyta told Insider. Lance offers subaccounts for personal salaries, withholdings, and savings to which freelancers can automatically allocate funds according to custom preset levels. It also offers an expense balance that's connected to automated tax withholdings.In May, Lance announced the closing of a $2.8 million seed round that saw participation from Barclays, BDMI, Great Oaks Capital, Imagination Capital, Techstars, DFJ Frontier, and others.Here's the 21-page pitch deck Lance, a digital bank for freelancers, used to raise a $2.8 million seed round from investors including BarclaysSoftware for managing freelancersWorksome cofounder and CEO Morten Petersen.WorksomeThe way people work has fundamentally changed over the past year, with more flexibility and many workers opting to freelance to maintain their work-from-home lifestyles.But managing a freelance or contractor workforce is often an administrative headache for employers. Worksome is a startup looking to eliminate all the extra work required for employers to adapt to more flexible working norms.Worksome started as a freelancer marketplace automating the process of matching qualified workers with the right jobs. But the team ultimately pivoted to a full suite of workforce management software, automating administrative burdens required to hire, pay, and account for contract workers.In May, Worksome closed a $13 million Series A backed by European angel investor Tommy Ahlers and Danish firm Lind & Risør.Here's the 21-slide pitch deck used by a startup that helps firms like Carlsberg and Deloitte manage freelancersPayments and operations support HoneyBook cofounders Dror Shimoni, Oz Alon, and Naama Alon.HoneyBookWhile countless small businesses have been harmed by the pandemic, self-employment and entrepreneurship have found ways to blossom as Americans started new ventures.Half of the US population may be freelance by 2027, according to a study commissioned by remote-work hiring platform Upwork. HoneyBook, a fintech startup that provides payment and operations support for freelancers, in May raised $155 million in funding and achieved unicorn status with its $1 billion-plus valuation.Durable Capital Partners led the Series D funding with other new investors including renowned hedge fund Tiger Global, Battery Ventures, Zeev Ventures, and 01 Advisors. Citi Ventures, Citigroup's startup investment arm that also backs fintech robo-advisor Betterment, participated as an existing investor in the round alongside Norwest Venture partners. The latest round brings the company's fundraising total to $227 million to date.Here's the 21-page pitch deck a Citi-backed fintech for freelancers used to raise $155 million from investors like hedge fund Tiger GlobalPay-as-you-go compliance for banks, fintechs, and crypto startupsNeepa Patel, Themis' founder and CEOThemisWhen Themis founder and CEO Neepa Patel set out to build a new compliance tool for banks, fintech startups, and crypto companies, she tapped into her own experience managing risk at some of the nation's biggest financial firms. Having worked as a bank regulator at the Office of the Comptroller of the Currency and in compliance at Morgan Stanley, Deutsche Bank, and the enterprise blockchain company R3, Patel was well-placed to assess the shortcomings in financial compliance software. But Patel, who left the corporate world to begin work on Themis in 2020, drew on more than just her own experience and frustrations to build the startup."It's not just me building a tool based on my personal pain points. I reached out to regulators. I reached out to bank compliance officers and members in the fintech community just to make sure that we're building it exactly how they do their work," Patel told Insider. "That was the biggest problem: No one built a tool that was reflective of how people do their work."Check out the 9-page pitch deck Themis, which offers pay-as-you-go compliance for banks, fintechs, and crypto startups, used to raise $9 million in seed fundingConnecting startups and investorsHum Capital cofounder and CEO Blair SilverbergHum CapitalBlair Silverberg is no stranger to fundraising.For six years, Silverberg was a venture capitalist at Draper Fisher Jurvetson and Private Credit Investments making bets on startups."I was meeting with thousands of founders in person each year, watching them one at a time go through this friction where they're meeting a ton of investors, and the investors are all asking the same questions," Silverberg told Insider. He switched gears about three years ago, moving to the opposite side of the metaphorical table, to start Hum Capital, which uses artificial intelligence to match investors with startups looking to fundraise.On August 31, the New York-based fintech announced its $9 million Series A. The round was led by Future Ventures with participation from Webb Investment Network, Wavemaker Partners, and Partech. This 11-page pitch deck helped Hum Capital, a fintech using AI to match investors with startups, raise a $9 million Series A.Helping LatAm startups get up to speedKamino cofounders Gut Fragoso, Rodrigo Perenha, Benjamin Gleason, and Gonzalo ParejoKaminoThere's more venture capital flowing into Latin America than ever before, but getting the funds in founders' hands is not exactly a simple process.In 2021, investors funneled $15.3 billion into Latin American companies, more than tripling the previous record of $4.9 billion in 2019. Fintech and e-commerce sectors drove funding, accounting for 39% and 25% of total funding, respectively.  However, for many startup founders in the region who have successfully sold their ideas and gotten investors on board, there's a patchwork of corporate structuring that's needed to access the funds, according to Benjamin Gleason, who was the chief financial officer at Groupon LatAm prior to cofounding Brazil-based fintech Kamino.It's a process Gleason and his three fellow Kamino cofounders have been through before as entrepreneurs and startup execs themselves. Most often, startups have to set up offshore financial accounts outside of Brazil, which "entails creating a Cayman [Islands] holding company, a Delaware LLC, and then connecting it to a local entity here and also opening US bank accounts for the Cayman entity, which is not trivial from a KYC perspective," said Gleason, who founded open-banking fintech Guiabolso in Sao Paulo. His partner, Gonzalo Parejo, experienced the same toils when he founded insurtech Bidu."Pretty much any international investor will usually ask for that," Gleason said, adding that investors typically cite liability issues."It's just a massive amount of bureaucracy, complexity, a lot of time from the founders. All of this just to get the money from the investor that wants to give them the money," he added.Here's the 8-page pitch deck Kamino, a fintech helping LatAm startups with everything from financing to corporate credit cards, used to raise a $6.1M pre-seed roundThe back-end tech for beautyDanielle Cohen-Shohet, CEO and founder of GlossGeniusGlossGeniusDanielle Cohen-Shohet might have started as a Goldman Sachs investment analyst, but at her core she was always a coder.After about three years at Goldman Sachs, Cohen-Shohet left the world of traditional finance to code her way into starting her own company in 2016. "There was a period of time where I did nothing, but eat, sleep, and code for a few weeks," Cohen-Shohet told Insider. Her technical edge and knowledge of the point-of-sale payment space led her to launch a software company focused on providing behind-the-scenes tech for beauty and wellness small businesses.Cohen-Shohet launched GlossGenius in 2017 to provide payments tech for hair stylists, nail technicians, blow-out bars, and other small businesses in the space.Here's the 11-page deck GlossGenius, a startup that provides back-end tech for the beauty industry, used to raise $16 millionRead the original article on Business Insider.....»»

Category: topSource: businessinsiderJun 30th, 2022

E-cig startup Juul is talking to Philip Morris, Altria, and Japan Tobacco about its future, WSJ reports. Here"s a rundown of the startup"s rise and fall.

Juul rebranded three times, sold assets, and attracted nontraditional investors. Now, it's reportedly in partnership talks with big tobacco companies. Eva Hambach/Getty Images The e-cigarette company Juul reportedly is in talks with three big tobacco companies about its future. The talks with giants like Philip Morris are aimed at securing a possible sale, strategic investment, or other deal, the Wall Street Journal reported. Here's a rundown of the company's history, from its $38 billion valuation to legal settlements. Juul is looking for a fresh start.The e-cigarette maker is talking to some of the biggest names in the tobacco industry, including Altria, Philip Morris, and Japan Tobacco, about options for its future, the Wall Street Journal reported on Wednesday. The talks were in early stages and covered a range of potential options, ranging from an outright sale to one of the larger companies to licensing deals, distribution deals, or a strategic investment, the Journal reported.Juul did not immediately respond to a request from Insider for comment.Over the last several years, Juul has gone from a darling of Silicon Valley to a company beset by legal challenges. It also fell from a valuation of $38 billion in 2018 to just $1 billion last October, according to the Journal.Scroll down to see Juul's rise and decline:2004: At Stanford, the product-design grad students James Monsees and Adam Bowen create the idea for Ploom, Juul’s precursor.Juul.com / YouTubeMonsees and Bowen have said they were smokers who met on smoke breaks while pursuing master's degrees in product design at Stanford University. Their thesis presentation, now posted on Juul's website, describes their product as "the rational future of smoking."2007: Monsees and Bowen found the vaporizer startup Ploom in San Francisco.YouTube / Hyphy SF By February 2008, Ploom raised $900,000 in venture funding, putting its valuation at roughly $3 million, according to PitchBook.A 2011 description of the Ploom device, which sold for $75, described it as a heat-not-burn product that could be filled with single-serve refills called "Ploom Pods." The pods could include tobacco or non-tobacco ingredients, it said. Aug. 1, 2013: Ploom debuts the Pax with a launch party in San Francisco.Ploom at Robin Thicke's album-release party in 2013 in New York.Andrew Toth / Getty ImagesAfter raising close to $5 million, Ploom launched a device called the Pax, a vaporizer for loose-leaf tobacco that could also be used for cannabis.To debut the device, Ploom hosted a launch party in San Francisco's trendy Mission District.At this time, Ploom investors included Japan Tobacco, the maker of Winston and Salem cigarettes, along with the software company Originate and the angel investment group Sand Hill. Feb. 16, 2015: Monsees and Bowen sell the Ploom brand and a vaporizer line to the Japanese tobacco company JTI. They rebrand as Pax Labs.Japan Tobacco Inc.'s president and CEO, Mitsuomi Koizumi, using a Ploom during an interview with Reuters at the company's headquarters in Tokyo in 2017.Toru Hanai / ReutersAs part of the deal, JTI said in a statement that Ploom would buy back JTI's minority stake in the startup.June 1, 2015: Pax Labs launches the Juul with a party in New York City.SRITAPax introduced the Juul with a launch party in New York City.A trove of images collected by Stanford researchers suggested that the campaign focused on a young audience. Guests were invited to try Juul's products free and share selfies on social media, Business Insider reported."Juul's launch campaign was patently youth-oriented," Robert Jackler, a practicing Stanford physician who was the principal investigator behind the tobacco-image collection, told Business Insider.2016: Juul sales skyrocket 700%.An ad on Juul's website from 2016.Juul devices gained popularity. Sales rose 700% in 2016, ABC 7 News reported.July 1, 2017: Monsees and Bowen spin out Juul Labs as an independent company and name former Pax Labs CEO Tyler Goldman CEO.Pax Labs; Melia Robinson/Business InsiderGoldman came to Pax from the music-streaming startup Deezer then took over Juul Labs.Nov. 2017: Juul is the best-selling e-cigarette on the market.Pax LabsJuul said it'd sold 1 million units. The company also captured a third of the e-cigarette market, according to Nielsen data.Dec. 11, 2017: CEO Tyler Goldman leaves Juul. The company replaces him with Kevin Burns.Juul's new CEO, Kevin Burns.Juul/YouTubeGoldman left Juul to "pursue new entrepreneurial activities." The company hired Burns from the yogurt company Chobani.Dec. 2017: Juul raises $112 million in venture funds and adds Nicholas Pritzker to its board, according to PitchBook.The industrialist A.N. Pritzker in 1982. The wealthy Pritzker family owned the chewing-tobacco giant Conwood before selling it to the tobacco giant Reynolds. They also founded and expanded the Hyatt Hotels chain.AP PhotoThe fresh funds came from firms including Tao Capital, Fidelity, and Evolution, according to PitchBook.Nicholas Pritzker, Tao's cofounder, joined Juul's board, CNBC reported. Pritzker is a member of the wealthy Pritzker family, which owned the chewing-tobacco giant Conwood before selling it to the tobacco giant Reynolds. The Pritzkers also founded and expanded the Hyatt Hotels chain.On an undisclosed date, Tao Capital sold its stake in Juul to the hedge fund Tiger Global and Manhattan Venture Partners, PitchBook said.The venture fund M13, another early Juul investor, sold its shares in the spring of 2018.This slide has been updated with new information about M13's investment.March 2018: Dozens of outlets report that 'Juuling' is an epidemic at high schools.A Juul ad from 2016.Pax LabsNational news outlets including National Public Radio, USA Today, and Business Insider reported that the Juul had a loyal and growing following among young people.All of the reports said teens were taking to social media to brag about being able to sneak puffs in class or in the bathroom thanks to Juul's discreet design.April 2018: Led by Commissioner Scott Gottlieb, the US Food and Drug Administration starts an 'undercover blitz' to crack down on sales of the Juul to minors.Scott Gottlieb, then the FDA commissioner.ReutersIn what the FDA said was the largest coordinated enforcement effort in agency history, the FDA issued more than 1,300 warning letters and fines to retailers who it said were illegally selling Juuls and other e-cigarettes to minors. The FDA found the retailers by conducting what it called "a nationwide, undercover blitz.""Let me be clear to retailers," Gottlieb, then the FDA's commissioner, said in the statement, "this blitz, and resulting actions, should serve as notice that we will not tolerate the sale of any tobacco products to youth."April 2018: Wall Street analysts warn that Juul is starting to encroach on Big Tobacco's financial terrain and could negatively affect Altria stock.A close-up view of cigarettes on June 10, 2015 in Bristol, England. Health campaigners have asked for a levy on the tobacco industry to help fund anti-smoking measuresMatt Cardy/Getty ImagesIn a research note, Citigroup analysts warned investors that the Juul was beginning to disrupt tobacco stocks.The note suggested that the rise of the Juul could bode poorly for tobacco companies — including Altria, British American Tobacco, and Imperial Brands — as sales were falling faster than expected."The US tobacco market is beginning to be disrupted by Juul," the analysts wrote, adding, "We don't expect underlying cigarette trends to improve much in the rest of 2018."May 2018: Juul doubles its staff to 400 people.Pax LabsJune 2018: San Francisco bans flavored e-cigs like the Juul, prompting an endorsement from Michael Bloomberg.An ad from the California Department of Public Health supporting San Francisco's ballot measure to ban the sale of flavored e-cigarettes like Juul.California Department of Public HealthBloomberg, the former New York City mayor who is CEO of Bloomberg Philanthropies, called the move "an important step forward for public health" and said it should embolden other cities and states to follow suit.July 8, 2018: Wall Street analysts say Juul is reviving the formerly comatose e-cig market, which had been slumping since 2014.AP Photo/Craig MitchelldyerIn a research note, Morgan Stanley analysts credited Juul with "driving a revival in the US e-cig market," adding that sales of Juul devices "accounted for almost the entire incremental increase in US e-cig sales as a percent of total cigarette and e-cigarette sales in the last year."July 10, 2018: Juul raises $1.2 billion in a round that values the company at more than $16 billion, according to PitchBook.Bowen and Monsees at the Hotel Tortue in December 2018 for Juul's launch in Germany.Getty Images / Picture AllianceThe seven investors in the round included a maker of marijuana therapeutics, called Applied Biosciences, along with the the venture firm Bracket Capital, the hedge funds Darsana Capital and E Squared Capital, the investment giant Fidelity, the angel investor Sand Hill, and Tiger, according to PitchBook.Aug. 21, 2018: Israel bans Juul products, calling them a 'grave risk to public health' because of their high nicotine content.A package of the Juul device and flavored Juul nicotine Pods.JUUL LabsIn a statement, Israel's Health Ministry said it's banning the sale and import of Juul devices because they contained more than 20 milligrams per milliliter of nicotine and presented "a grave risk to public health," Reuters reported.Sept. 11, 2018: The FDA deepens its crackdown on Juul and other e-cig makers.FDA commissioner Scott GottliebReutersIn a statement, then-Commissioner Gottlieb said the FDA was working on creating a system to "properly regulate" e-cigarettes like the Juul.He said the aim was twofold: make e-cigarettes available as a less-dangerous alternative for adult smokers, but also keep them out of the hands of young people.Oct. 2, 2018: The FDA surprises Juul at its headquarters and seizes 'thousands of pages of documents' as part of an investigation into its marketing practices.Reuters/Ronen ZvulunThe agency was running an investigation into whether Juul marketed its products to teens, CNBC said.The visit was an extension of the FDA's request in April for materials related to how Juul presented its products and whether they were designed to appeal to kids, according to CNBC.Oct. 2018: Juul surges in popularity, now accounting for over 70% of the US e-cigarette market, according to Nielsen data.Reuters / Brendan McDermidNov. 13, 2018: Juul stops selling its sweet and fruity flavors at stores, making those varieties only available online.Hollis Johnson/Business InsiderJuul says it will temporarily stop selling its flavored e-cigarettes in stores.The move comes on the heels of a similar ban on flavored e-cigs that the city of San Francisco enacted over the summer.Researchers nearly unanimously praised the move, which they say could help protect young people by making the products less appealing and harder to purchase. Juul's flavored varieties will still be sold online, the company says.Nov. 15, 2018: The FDA announces plans to curb flavored e-cig sales after reports that youth vaping has ballooned 78%.A high-school student vaping near a school campus in Cambridge, Massachusetts.Associated Press2018: The Federal Trade Commission begins investigating whether Juul marketed its products to minors.Members of the Federal Trade Commission.REUTERS/ Leah MillisThe Federal Trade Commission began looking into Juul's use of influencers and other marketing tools to appeal to young people, The Wall Street Journal reported in August 2019.According to The Journal, the FTC's investigation began before it started reviewing a deal between Juul and the Marlboro maker, Altria, in December 2018.Dec. 20, 2018: Altria buys 35% of Juul for $12.8 billion, bumping Juul's valuation to $38 billion. Gottlieb accuses both companies of backing away from pledges to curb youth vaping.Packs of Marlboro cigarettes on sale.REUTERS/Brian SnyderIn what the Silicon Valley Business Journal called "the biggest investment ever in a US venture-backed company," Marlboro and the Parliament cigarette maker, Altria, paid $12.8 billion for a third of Juul. That gave Altria more combustible-cigarette market share than the next seven brands combined, according to the Centers for Disease Control and Prevention.Juul, which had an annual revenue of about $2 billion at the time, also received a $2 billion bonus from Altria to distribute among its 1,500 employees, CNBC reported. That would have been about $1.3 million a person.On the heels of the deal, Gottlieb called out both companies, saying they were backing away from previous pledges to fight teen vaping. March 5, 2019: In a surprise announcement, Gottlieb announces he's leaving his post as FDA commissioner.FILE PHOTO: U.S. Food and Drug Commissioner Gottlieb attends interview at Reuters HQ in New YorkThomson ReutersGottlieb, a well-liked figure who spent just two years steering the country's top food and drug regulator, said he was leaving in a month to spend more time with his family in Connecticut.The commissioner had made a name for himself as both a vocal critic of e-cigarette startups like Juul and a speedy approver of new pharmaceutical drugs.In a resignation letter, Gottlieb wrote that one of his accomplishments at the FDA was taking actions against "bad actors that put Americans at risk."March 13, 2019: Gottlieb announces a crackdown on flavored e-cig sales.Reuters / Mike SegarRoughly a week after announcing his departure from the FDA, Gottlieb released a plan to crack down on flavored e-cigarette sales at gas stations, pharmacies, and convenience stores. The plan would also crack down on websites without buffers against youth purchases, such as age-verification software or quantity limits.April 3, 2019: The FDA says it's looking into a 'potential safety issue' related to seizures tied to vaping.ShutterstockIn a statement, Gottlieb said his agency had seen reports suggesting that a small number of e-cigarette users (35 cases from 2010 to early 2019) had experienced seizures after vaping.By August, the FDA said it had received 127 reports — but noted that the new figure might simply mean more people were coming forward, not necessarily that cases were increasing.Gottlieb also noted that seizures were known as possible side effects of nicotine poisoning and said the agency would continue exploring whether there was a connection.April 8, 2019: Democrats in the US Senate launch an investigation into Juul's deal with Altria as well as its social media and advertising practices.Sen. Elizabeth Warren of Massachusetts.Sergio Flores/Getty ImagesEleven Democratic senators, including the party whip Dick Durbin and the presidential candidate Elizabeth Warren, wrote a letter to Juul demanding that the company answer questions about its advertising practices and its deal with Altria, CNBC reported.June 13, 2019: The US House of Representatives announces an investigation of Juul's marketing and the Altria deal.Members of the U.S. House of Representatives are sworn in on the House floor January 3, 2017.Jonathan Ernst/ReutersHouse Democrats launch their own investigation into Juul, Fortune reports.July 16, 2019: Juul's CEO apologizes to parents of teens addicted to its vaping products.CBS This MorningIn a CNBC documentary, Juul Labs CEO Kevin Burns issued an apology to parents of teens who were addicted to the company's vaping products."First of all, I'd tell them that I'm sorry that their child's using the product," Burns said.July 25, 2019: Officials in Wisconsin warn of eight cases of severe lung disease in teens who'd vaped. It's unclear what kinds of products or substances are involved.Simah Herman, 18, on September 19 with a photo of her former vaping devices in Los Angeles. Herman was in a medically induced coma and treated for pneumonia and lung-disease from vaping.Reuters / Lucy NicholsonIn July, Wisconsin's chief medical officer wrote a memo to healthcare providers warning them about a cluster of sick adolescents who had used e-cigarettes. Chest X-rays of the teens revealed similarities in lung damage, he says. The following month, the CDC released an emergency notice about 30 cases of vaping-related lung illness in Wisconsin. In mid-August, officials reported the first death tied to vaping-related lung illness: an adult in Illinois. By September, the CDC and the FDA said there had been 530 confirmed and probable cases of the mystery illness since June. Seven people died. The investigation is ongoing, and officials have yet to find a substance or brand that's common among all the cases.Aug. 16, 2019: Juul raises $785 million in equity and debt financing from Proioxis Ventures, according to PitchBook.Melia Robinson/Business InsiderThe funds will be used to speed Juul's expansion overseas, according to PitchBook. The figure brings the company to $14.2 billion in funds raised.Aug. 29, 2019: Bloomberg says Juul devices were involved in three reports of seizures linked to vaping.Brendan McDermid / ReutersIn three reports submitted to the FDA, people said they or their children had used a Juul before experiencing seizures, Bloomberg News reported. Bloomberg obtained the reports through a public records request.In two of the three reports, the FDA wasn't able to officially confirm that a Juul device was involved, according to Bloomberg.Aug. 29, 2019: Juul's CEO warns people against using Juuls and says vaping's long-term health effects are unknown.Juul's new CEO, Kevin Burns.Juul/YouTubeIn an interview with CBS, Burns said anyone who wasn't already using nicotine, the addictive drug in Juul, should not start."Don't vape. Don't use Juul," Burns told CBS.Sept. 9, 2019: The FDA slams Juul for portraying its e-cigs as 'totally safe' and marketing them to kids at schools.An ad showing a plate of food suggesting that users "save room for Juul."JuulIn a warning letter, the FDA said Juul wrongly painted its e-cigarettes, known in the industry as ENDS, as safer than cigarettes and marketed them intentionally to young people."Referring to your ENDS products as '99% safer' than cigarettes, 'much safer' than cigarettes, 'totally safe,' and 'a safer alternative than smoking cigarettes' is particularly concerning because these statements were made directly to children in school," the FDA letter said."Our concern is amplified by the epidemic rate of increase in youth use of ENDS products, including Juul's products," the letter added.Sept. 17, 2019: Juul sales are halted in China for unclear reasons.An employee at a Tmall logistics center in Suzhou, China.Thomson ReutersA selection of flavored Juul products that went up for sale on two online Chinese marketplaces, JD.com and Tmall, were removed within a week, The Wall Street Journal reported. Both retailers declined to say why.Juul had long been planning to launch in China, where more than 300 million people smoke, according to the World Health Organization. Its nicotine refills, or Juul Pods, are manufactured in Shenzhen, China.Sept. 18, 2019: India bans vaping, citing the "impact of e-cigarettes on the youth."Reuters / Neil HallIndia outlawed the production, sale, import, and advertising of e-cigarettes, citing the need to stop the "impact of e-cigarettes on the youth," BuzzFeed News reported. Penalties include jail time and fines of up to $7,000.Juul had been planning to launch in India, home to more than 106 million smokers — second only to China — by the end of 2019.Sept. 23, 2019: The US Attorney's Office for the Northern District of California has reportedly launched a criminal investigation into Juul.REUTERS/Ronen ZvulunThe Wall Street Journal reported that federal prosecutors in the US Attorney's Office for the Northern District of California were conducting a criminal investigation of Juul. Further details, such as the focus of the investigation, were not available, and Juul didn't respond to a request for comment from Business Insider.Several other investigations are ongoing, including an investigation by the Federal Trade Commission focusing on whether Juul marketed to teens and an FDA investigation focused on marketing, outreach, and Juul's uniquely high nicotine content.Sept. 24, 2019: Juul reportedly prepares to scale back its staff.A woman exhaling a puff of vapor from a Juul e-cigarette.Associated Press / Craig MitchelldyerJuul began preparing to restructure its staff as it faced slower sales resulting from increasing reports about the mysterious vaping-related lung illness, the proposed US ban on flavored e-cigarettes, and a variety of other investigations, The Wall Street Journal reported.The company employs roughly 3,900 people, according to The Journal, up from the 200 it had in 2017.For now, Juul plans to hire less aggressively and start outlining plans to cut some jobs, according to The Journal, but will still continue to expand. Sept. 25, 2019: CEO Kevin Burns steps down and is replaced by longtime tobacco executive K.C. Crosthwaite.Former Juul CEO Kevin Burns.CBS This MorningCrosthwaite was most recently chief growth officer at Altria, and has worked in tobacco for more than 20 years.In announcing the change, Juul also said it would suspend US advertising and some lobbying efforts. Crosthwaite said he would "strive to work with regulators, policymakers and other stakeholders, and earn the trust of the societies in which we operate."Oct. 7, 2019: A crop of school districts across three states sues Juul.ShutterstockFour school districts sue Juul in what appears to be the beginning of a trend.The districts include Three Village Central in New York, La Conner in Washington, Olathe in Kansas, and Francis Howell in Missouri. In separate suits filed on Monday, the districts argue that Juul created a public nuisance by intentionally marketing to kids; misrepresenting its products' nicotine content; and endangering teens' health, according to public documents that Business Insider viewed.Cindy Ormsby, an attorney for the Missouri case, told the Riverfront Times that the Francis Howell lawsuit is "part of a coordinated package of litigation filed by school districts across the country, each dealing with a similar crisis of students addicted to nicotine." In September, Kansas City school district Goddard became one of the first to announce that it was preparing a lawsuit against Juul.The lawsuits seek unspecified damages and legal fees.Oct. 17, 2019: Juul extends its ban on sweet and fruity flavors to include online sales.SRITAJuul announces that it is stopping online sales of its mango, fruit, cucumber, and cream varieties. Last fall, the company temporarily banned sales of those varieties in stores. As of Oct. 17, those flavors can't be purchased in-person or online.In a statement, Juul says it "will continue to develop scientific evidence to support the use of these flavored products."Oct. 28, 2019: Juul reportedly plans to cut 500 jobs before year's end. Its chief marketing officer departs the following day.Robyn Beck / AFP / Getty ImagesJuul looks to eliminate roughly 500 jobs by the end of the year, the Wall Street Journal reports.The cuts are part of a company-wide reorganization effort, according to the journal, and will involve anywhere between 10-15% of Juul's total workforce. "As the vapor category undergoes a necessary reset, this reorganization will help Juul Labs focus on reducing underage use, investing in scientific research, and creating new technologies while earning a license to operate in the US and around the world," KC Crosthwaite, Juul's new CEO, said in an emailed statement provided to Business Insider.The following day, the Journal reports that Juul's chief marketing officer is departing."Craig Brommers, an incredibly talented marketing executive, has asked to transition out of Juul Labs in the coming months so that he can pursue opportunities with other companies," a Juul spokesperson told the Journal.The spokesperson also said that as a result of Brommer's departure, the CMO position would be cut.Oct. 29, 2019: Juul names a new chief financial officer after its existing CFO asks to leave.Smith Collection/Gado/Getty ImagesJuul appoints Guy Cartwright its new chief financial officer after CFO Tim Danaher asks to leave the company, the Wall Street Journal reports.Cartwright previously served as managing director of the investment firm TowerBrook Capital Partners LP, and joined Juul in July, according to the Journal. Danaher had served as Juul's CFO since 2014.Oct. 31, 2019: Marlboro maker Altria, which owns a third of Juul, slashes the value of its stake in the company. Juul is now valued at $24 billion instead of $38 billion.Justin Sullivan / Getty ImagesMarlboro maker Altria, which last December purchased a 35% stake in Juul for $12.8 billion, cuts the value of its investment in the company by $4.5 billion.The move reveals that Juul is now worth $24 billion, down from $38 billion.On a conference call, Altria cited unexpected market shifts like regulatory crackdowns abroad and a proposed US flavor ban."We're not pleased to have to take an impairment charge on the Juul investment," Altria CEO Howard Willard said on the call. "We did not anticipate this dramatic a change in the e-vapor category," he added.November 7, 2019: Juul stops selling mint flavored options, leaving only menthol and tobacco flavored refillable cartridges.A screenshot shows 2015 advertising for Juul products displayed in a print magazineReutersJuul announces it will stop selling mint-flavored refillable cartridges, or Juul pods. In a press release, the company said it would immediately stop accepting orders for the mint-flavored pods from retail partners and stop selling mint-flavored pods online.According to the release, Juul's decision was based partially on new research  which suggested that mint and mango were the most popular flavors among high school students who Juul."These results are unacceptable," Juul Labs CEO KC Crosthwaite said in the release, adding, "that is why we must reset the vapor category in the US and earn the trust of society by working cooperatively with regulators, Attorneys General, public health officials, and other stakeholders to combat underage use."2020: Amid the pandemic, Juul lays off 40% of its workforce in April, 2020. It then lays off over half of its remaining staff, resulting in about a further 1,000 employees being cut.Shopkeepers stand inside a Juul shop at a shopping mall in Jakarta, Indonesia, December 30, 2019.REUTERS/Ajeng Dinar Ulfiana2021: By 2021, Altria slashes its valuation for Juul to $5 billion, while Juul itself asserts it was worth $10 billion. Two years prior, the company was valued at $38 billion.A hand with a cigarette is seen in front of displayed logos of Philip Morris and Altria in this picture illustrationReutersSeptember 30, 2021: The CDC and FDA releases a study that finds that over 2 million middle-and-high-school students in the US were using e-cigarettes.Eva Hambach/Getty ImagesThe study found that eight in 10 of those students used flavored e-cigarettes."These data highlight the fact that flavored e-cigarettes are still extremely popular with kids," said Mitch Seller, the director of the FDA's Center for Tobacco Products. "And we are equally disturbed by the quarter of high school students who use e-cigarettes and say they vape every single day."February, 2022: A judge rules that Altria can keep its investment in Juul.FILE - In this Dec. 20, 2018, file photo Juul products are displayed at a smoke shop in New York. The company that makes Marlboro cigarettes will take a $4.1 billion hit from its investment in Juul. Altria took a 35% stake in the e-cigarette company at the end of 2018 at a cost of almost $13 billion. The Richmond, Va., company on Thursday, Jan. 30, 2020 cited burgeoning legal cases that it expects to grow. (AP Photo/Seth Wenig, File)Associated PressAn administrative judge ruled that Altria didn't break antitrust laws by taking a 35% stake in Juul. The Federal Trade Commission had sued in 2019, and can still appeal the ruling. June 23, 2022: The FDA bans Juul from selling and distributing its e-cigarette products in the US, and also orders that all products currently in the market be removed.Markets InsiderAltria's stock plunged 10% on news of the ban. The FDA did briefly prohibit Juul products in the US, though an appeal of the decision forced the agency to put its decision on hold.December 6, 2022: Juul agrees to settle roughly 5,000 lawsuits that accused the company of marketing its products to teens and children.Julia NaftulinJuul got an equity investment to pay for the settlement costs, though the financial terms were not disclosed, the Wall Street Journal reported at the time.January 25, 2023: Juul executives were in discussions with major tobacco companies, including Philip Morris, Japan Tobacco, and Altria, the Wall Street Journal reported.Close-up of logo for e-cigarette or vape company Juul on glass window of convenience store in San Ramon, California, December 6, 2019.Smith Collection/Gado/Getty ImagesThe talks included multiple possibilities, including an outright sale of Juul as well as strategic investments and licensing and distribution deals, the Journal reported.Read the original article on Business Insider.....»»

Category: topSource: businessinsiderJan 25th, 2023

Hunter Biden Lived In Classified Doc House While Raking In Millions Through Chinese Intelligence Ties

Hunter Biden Lived In Classified Doc House While Raking In Millions Through Chinese Intelligence Ties National security concerns over Joe Biden's classified document scandal just got worse, as two reports have emerged which place Hunter Biden at the Bidens' Wilmington, Delaware residence while he was raking in millions of dollars from CCP-linked business dealings. First, Seamus Bruner  (researcher for legendary bombshell-dropper Peter Schweizer), reports via Breitbart News, that "While addicted to drugs, cavorting with prostitutes, and making deals with businessmen tied to the highest levels of Chinese intelligence, Hunter Biden lived in the house where Joe Biden stored classified documents." While filling out a background check, Hunter made a crackhead error and listed his 'rent' as $49,910 - when in fact that's the amount of the security deposit and 6 months of rent for prime office space at the prestigious House of Sweden in Washington DC. What's most interesting, however, is that the dates Hunter listed as living at the Wilmington, DE residence - as claimed on other documents and financial statements - overlap with the period in which multiple Biden family members were taking money from foreign businessmen with connections at the highest levels of Chinese state intelligence services through energy company CEFC. As Bruner further notes, CNN described CEFC as a state-directed entity in 2018. CEFC, and at least four of its executives and associates - Ye Jianming, Patrick Ho, Gongwen Dong and Jiaqi Bao, have been linked to the CCP and its military intelligence apparatus. In one case, Hunter described Patrick Ho as "the fucking spy chief of China." CEFC Chairman Ye Jianming (Photo: CEFC) More via Breitbart, By early 2017, Hunter was directly corresponding with CEFC personnel and flew to Miami in February of that year to meet with CEFC Chairman Ye Jianming. During this trip, Ye Jianming gave Hunter a 3.16 carat diamond valued at approximately $80,000.. When Hunter’s ex-wife discovered that he had obtained something of such immense value, she had her divorce attorney send an “Urgent” email seeking to determine the whereabouts of the diamond and secure the asset before Hunter could “dissipate” it. Hunter’s attorney offered a shady denial: "There is no diamond in Hunter’s possession. I don’t know where Kathleen is getting access to this information, but on this score, what your email purports below is inaccurate." Metadata gleaned from photos of the diamond on the abandoned laptop indicate that Hunter lied about not having the diamond and he in fact had the diamond with him in Wilmington. The current location of the 3.16 carat diamond remains unknown After the fateful February 2017 meeting with Ye, and around the time Hunter claimed to have moved into the Wilmington house where classified documents were found, the Bidens’ business with CEFC exploded. Nine days after Miami meeting, Hunter received two separate wire transfers of $3 million which the Department of Treasury’s Financial Crimes Enforcement Network flagged as suspicious. We encourage you to read the rest of the Breitbart report here, as it goes into extensive detail. Second, the Washington Free Beacon reports that photos from Hunter Biden's abandoned laptop place him at the Wilmington House in July, 2017. Of note, the classified documents were reportedly brought to the house in January of that year. The photos 'are the most concrete evidence to date' that Hunter - who was actively negotiating a deal with a CCP-linked Chinese energy company - had access to areas of his father's home where classified documents were stored. A Washington Free Beacon review of the laptop found four 2017 photographs of Hunter Biden, clad in a white collared shirt and a camouflage baseball cap, behind the wheel of his father's 1967 Corvette Stingray. GPS metadata embedded in the photos indicate they were taken within a minute of each other at 6:49 p.m. on July 30 of that year, just outside the president's Wilmington, Del., residence. The photos show Hunter Biden posing in the vehicle beside two young girls. One appears to be his then-12-year-old niece, Natalie Biden. The other could not be identified. Former Secret Service agent and certified cyber forensics expert, Konstantinos Gus Dimitrelos, analyzed the photos and confirmed their authenticity. "If requested, I will testify the photographs are genuine and were taken on July 30, 2017," he told the Free Beacon. And as the Beacon further reports - corroborating Breitbart's reporting, "At the time the photos were taken, Hunter Biden was negotiating a lucrative business deal with the now-defunct Chinese energy conglomerate CEFC, which was closely tied to the Chinese government. Biden's former business partner Tony Bobulinski claimed to have met with Joe Biden in person in early May 2017—less than three months before Hunter Biden was pictured taking the wheel of his father's prized vehicle—to discuss the Biden family's Chinese business dealings." In total, CEFC paid Hunter Biden $6 million in legal and consulting fees in 2017 and 2018. And of course, the same media which suggested the Trumps were Russian operatives based on a hoax - are virtually silent at actual risks to national security posed by the Biden family. Tyler Durden Wed, 01/18/2023 - 22:35.....»»

Category: smallbizSource: nytJan 18th, 2023

Mapping Out All The Key Revelations From The "Twitter Files" So Far...

Mapping Out All The Key Revelations From The 'Twitter Files' So Far... Authored by Petr Svab via The Epoch Times (emphasis ours), Documents revealed by Twitter’s new owner, tech billionaire Elon Musk, show the social media company intertwined with a government-private censorship apparatus. Twitter suppressed or removed content on various subjects, including irregularities in the 2020 elections, mail-in voting issues, and various aspects of the COVID-19 pandemic. The company was under government pressure to purge such content and its purveyors from the platform, though most of the time it was cooperating with the censorship requests willingly, the documents indicate. INFOGRAPHIC (Click on image to enlarge or Click Here to download) Click on infographic to enlarge. Musk took over Twitter in October, taking the company private. He then fired around half of the staff and much of the upper management, vowing to take Twitter in a new direction. The “#TwitterFiles” releases have been part of his promised focus on transparency for the company. He allowed several independent journalists to submit search queries that were then used by Twitter staff to search through the company’s internal documents, sometimes under the condition that the resulting stories would be first published on the platform itself. The two journalists primarily responsible for the releases have been journalists Matt Taibbi, a former contributing editor for Rolling Stone magazine, and Bari Weiss, a former editor at both The New York Times and The Wall Street Journal. Both are liberals who have expressed disillusionment with the more extreme currents of progressivism and neoliberalism. Others involved in the releases have been independent journalists Lee Fang and David Zweig, former New York Times reporter Alex Berenson, as well as author and environmentalist Michael Shellenberger. The journalists have only released a fraction of the documents they reviewed. They’ve also redacted the names of employees involved, other than some high-level executives. The documents show that the FBI and other state, local, and federal agencies have been scrutinizing the political speech of Americans on a significant scale, and trying to get lawful speech suppressed or removed online. Many conservative and traditionally liberal commentators have deemed that a violation of the First Amendment. Twitter, a major hub of political speech, has been among the main targets of censorship. Many news stories have broken on Twitter in recent years and a significant portion of the nation’s political debate takes place on the platform, as it allows an efficient way for direct and public interaction between all on the platform, from the most prominent to the least. Twitter resisted some censorship requests, but there was little sign the company did so as a matter of principle. Rather, executives sometimes couldn’t find a policy they could use as a justification. Prior Twitter chief executive Jack Dorsey was under pressure from his lieutenants to expand the policies to allow more thorough censorship, the documents show. “The hypothesis underlying much of what we’ve implemented is that if exposure, e.g., misinformation directly causes harm, we should use remediations that reduce exposure, and limiting the spread/virality of content is a good way to do that (by just reducing prevalence overall),” said Yoel Roth, then Twitter’s head of Trust and Safety, which governs content policy, in a 2021 internal message published by Weiss. “We got Jack on board with implementing this for civic integrity in the near term, but we’re going to need to make a more robust case to get this into our repertoire of policy remediations—especially for other policy domains.” Jack Dorsey creator, co-founder, and Chairman of Twitter and co-founder & CEO of Square in Miami, Fla., on June 04, 2021. (Joe Raedle/Getty Images) In many cases, Twitter leaders de facto allowed the government to silence its critics on the platform. Many censorship requests came in with an imperious attitude, particularly those from the Biden White House, but also some from the office of Rep. Adam Schiff (D-Calif.), who at the time headed the powerful House Intelligence Committee. Around November 2020, Schiff’s office sent a list of dema to Twitter, including for the removal of “any and all content” about the committee’s staff and suspend “many” accounts including that of Paul Sperry, a journalist with RealClearInvestigations. Schiff’s office accused Sperry of harassment and promoting “false QAnon conspiracies.” Sperry rejected the allegation, asking Schiff to show evidence for his claims and announced he was considering legal action. Schiff’s demands were apparently a response to Sperry’s articles that speculated on the identity of the White House whistleblower that alleged a “quid pro quo” between President Donald Trump and Ukrainian President Volodymyr Zelenskyy. Sperry reported, using anonymous sources, that the whistleblower was likely then-CIA analyst Eric Ciaramella, who was overheard talking in the White House with Sean Misko, a holdover staffer from the Obama administration. Misko later joined Schiff’s committee. Twitter rejected Schiff’s demands, save for reviewing “again” Sperry’s account activity. Sperry’s account was suspended months later. Taibbi said he wasn’t able to find out why. Under Pressure The many censorship requests Twitter received via the FBI were phrased as merely bringing information to its attention, leaving it up to the company to decide what to do with them. But Twitter executives clearly felt compelled to accommodate these requests, even in cases where they internally struggled to justify doing so, the documents show. The government pressure took several forms. The FBI would follow up on its requests and if they weren’t fulfilled, Twitter had to explain itself to the bureau. If Twitter’s position on an issue differed from the one expected by the government, company executives would be questioned and made aware that the bureau, and even the broader intelligence community, wasn’t happy. That would send the executives into triage mode, rushing to salvage the relationship, which it apparently considered essential. Corporate media served as another pressure point. If Twitter wouldn’t do what it was told fast enough, the media would be provided with information portraying Twitter as ignoring some problem of paramount importance, such as possible foreign influence operations on its platform. One censorship request, for instance, targeted an account allegedly run by Russian intelligence, though Twitter wasn’t given any evidence of it. “Due to a lack of technical evidence on our end, I’ve generally left it be, waiting for more evidence,” said one Twitter executive that previously worked for the CIA, according to Taibbi. “Our window on that is closing, given that government partners are becoming more aggressive on attribution and reporting on it.” The internal email suggests that Twitter, despite having no concrete evidence to back it, wouldn’t dare to disobey the request because of the media fallout of the government publicly labeling the account as run by Russian intelligence. Congress was perhaps the heaviest sword of Damocles hanging over Twitter’s head. Lawmakers could not only spur negative media coverage, but also tie up the company in hearings and investigations, or even introduce legislation that could hurt Twitter’s bottom line. For instance, just as Sen. Mark Warner (D-Va.) was pushing Twitter to produce more evidence of Russian influence operations on its platform in 2017, he also teamed up with Sens. Amy Klobuchar (D-Minn.) and John McCain (R-Ariz.) to propose a bill that would have required extensive disclosures of online political advertising. In the meantime, Twitter managers were convinced that lawmakers were leaking information Twitter provided them and seeding negative news stories, even as the company was trying to placate them with increasingly stringent actions toward actual and alleged Russia-linked accounts. Even though the FBI was officially only alerting Twitter to activities of malign foreign actors, many of the censorship requests were simply lists of accounts with little to no evidence of malign foreign links. At times, Twitter tried to ask for more information, noting that it couldn’t find any evidence on its end, but often it simply complied. It was impossible for Twitter to do its due diligence on each request—there were simply too many, according to Taibbi. One request revealed by Taibbi claimed that “the attached email accounts” were created “possibly for use in influence operations, social media collection, or social engineering.” “Without further explanation, Twitter would be forwarded an excel doc,” Taibbi said. Censorship requests were lopsided against the political right. Some researchers said that the right was much more involved in spreading misinformation, but the documents indicate that the censorship wasn’t so much a matter of a right-left dichotomy, but rather a pro- and anti-establishment one. Even some left-leaning accounts were targeted if they strayed too far from the official government narrative. Moreover, the right didn’t appear too keen on demanding censorship to begin with. Taibbi couldn’t find a single censorship request from the Trump campaign, Trump White House, or even any Republican, though he was told there were some. On the other hand, there seemed to be no appetite across the board for targeting misinformation coming from the establishment itself An exterior view of “The Mac Shop”, where Hunter Biden allegedly brought his laptop for repair but never picked it up, in Wilmington, Del., on Oct. 21, 2020. (ANGELA WEISS/AFP via Getty Images) Hunter Biden’s Laptop Twitter’s suppression of the 2020 New York Post exposé on Hunter Biden, son of then-candidate Joe Biden, was dissected in the Twitter release in particular detail. Apparently, some Twitter executives, particularly Roth, head of Trust and Safety, were regularly invited to meetings with the FBI and other intelligence agencies to receive briefings on the online activities of foreign regimes. In the several months prior to the 2020 election, Roth had been conditioned to expect a “hack-and-leak” Russian operation, possibly in October and involving Hunter Biden. The FBI alleged there was some evidence of Russian influence operation related to Hunter Biden’s dealings in Ukraine. But the bureau was also aware that Hunter Biden left his laptop with a trove of explosive information in a New York repair shop and that a copy of it was handed to Trump’s then-lawyer, former New York Mayor Rudy Giuliani. The FBI picked up the laptop from the repair shop in December 2019 and had Giuliani under surveillance in August 2020, when the repairman gave him the copy. As the FBI knew, the laptop information was neither hacked, nor a figment of a Russian plot. When the Post broke the story, Twitter executives were left with no doubt it was exactly what the FBI had been warning about. “This feels a lot like a somewhat subtle leak operation,” Roth commented in an internal email, despite acknowledging he had no evidence for such a claim, save for “questionable origins” of the laptop, which was apparently abandoned by Hunter Biden at a computer repair shop. Roth noted that the story didn’t actually violate any Twitter rules. Nevertheless, it was marked “unsafe” and blocked on Twitter under its policy against hacked materials, despite there being no evidence the materials were hacked. Twitter’s then-Deputy General Counsel James Baker backed the censorship move, saying it was “reasonable” to “assume” the Hunter Biden information was hacked. Baker was FBI General Counsel until May 2018. He joined Twitter in June 2020. At the FBI, Baker was closely involved in the Russia investigation scandal where the FBI embroiled the Trump campaign and later the Trump administration in exhaustive investigations based on paper-thin and fabricated allegations that Trump colluded with Russia to sway the 2016 election. The allegations were produced by operatives funded by the campaign of Trump’s opponent, former Secretary of State Hillary Clinton. The FBI was in fact aware of no intelligence suggesting a “hack-and-leak” operation ahead of the 2020 election, as testified in November 2022 by Elvis Chan, head of the cyber branch at the FBI’s San Francisco Field Office, which was responsible for communications with Twitter and other tech companies with headquarters in its jurisdiction. Twitter itself found very little Russian activity ahead of the 2020 election, Shellenberger reported, citing internal communications. Shadowbanning Twitter has long denied the practice of shadowbanning—suppressing the reach of an account without informing the user. The denial, however, specifically defined shadowbanning as making the person’s content invisible to others. What people have been complaining about is that Twitter would suppress how many people see their content without making it invisible altogether—Twitter has been doing that a lot, the internal materials show. One Twitter engineer told Weiss: “We control visibility quite a bit. And we control the amplification of your content quite a bit. And normal people do not know how much we do.” Among those whose accounts were surreptitiously throttled was Jay Bhattacharya, Stanford University professor of medicine and one of the early critics of the COVID-19 lockdowns. Others included Dan Bongino, conservative podcaster and former Secret Service agent, and Charlie Kirk, founder of Turning Point USA, the country’s largest conservative youth group. COVID-19 Twitter has extensively suppressed information regarding the COVID-19 pandemic. Anything about the origin of the virus, its treatment, the vaccines developed for it, and public policies to mitigate its spread had to align with the official position of the federal government, as promulgated by the Centers for Disease Control and Prevention (CDC). Zweig said he “found countless instances of tweets labeled as ‘misleading’ or taken down entirely, sometimes triggering account suspensions, simply because they veered from CDC guidance or differed from establishment views.” Twitter user @KelleyKga, a self-described fact-checker, criticized a tweet that falsely claimed that COVID-19 was the leading cause of death by disease in children. @KelleyKga pointed out that such a claim would require cherry-picking data, backing his argument with data from the CDC. His criticism, however, was labeled as “misleading” and suppressed. On the other hand, the tweet that contained the false claim was not suppressed. All physician Euzebiusz Jamrozik did was write on Twitter an accurate summarization of study results on COVID-19 vaccine side effects. The tweet was labeled “misleading” and suppressed. Sometimes, it appears, Twitter suppressed the information on its own, but many of the COVID-19-related requests came from the government and even directly from the Biden White House, internal files show. In one email, White House Digital Director Rob Flaherty accused Twitter of “bending over backwards” to resist one of his censorship requests, calling it “total Calvinball”—a game where rules are made up along the way. The email wasn’t part of the Twitter files. It came out during an ongoing lawsuit against the Biden administration filed by the attorneys general of Missouri and Louisiana. Another White House staffer wanted Twitter to censor a tweet by Robert Kennedy, Jr., a long-time critic of vaccination. The staffer mused whether Twitter could “get moving on the process for having it removed ASAP.” “And then if we can keep an eye out for tweets that fall in this same genre that would be great,” he said in the Jan. 23, 2021, email. The administration wasn’t always trying to get such content removed. People who merely expressed “hesitancy” about the vaccines were supposed to only have their content suppressed from reaching any significant audience, the documents indicate. The Biden administration had a lot at stake as the vaccine rollout was one of its first and most high-profile tasks. There were other stakeholders as well. Joe Biden delivers remarks on the Covid-19 response and the vaccination program at the White House in Washington, on Aug. 23, 2021. (JIM WATSON/AFP via Getty Images) Several censorship requests came from Scott Gottlieb, board member and head of the regulatory and compliance committee at Pfizer, the pharmaceutical giant that made the most popular COVID-19 vaccine and raked in tens of billions of dollars on sales of it over the past two years. Gottlieb sent Twitter at least three requests. One targeted a doctor who argued on the platform that naturally acquired immunity to COVID-19 is superior to vaccination. Twitter suppressed the tweet, even though the doctor was correct. Another request targeted author Justin Hart, who argued on Twitter against school closures, pointing out that COVID-19 fatalities among children are extremely rare. Gottlieb sent the request shortly before Pfizer received approval for the use of its vaccine on children. Twitter didn’t comply with the request. Yet another request targeted former NY Times reporter Berenson. Gottlieb claimed that Berenson’s criticism of Dr. Anthony Fauci, the head of COVID-19 response in the Biden administration, was causing threats of physical violence toward Fauci. Twitter suspended Berenson’s account shortly after. Gottlieb sent his requests to the same Twitter official who served as a contact person for censorship requests coming from the White House. Trump Deplatforming Trump was particularly effective on Twitter. His soundbites, honed over decades of dealing with the New York press, played well on the brevity-oriented Twitter, earning the president some 90 million followers and lending him the power to bypass media filters and instantly grab national attention. Trump’s Twitter presidency, however, brewed scorn in the beltway, especially among the foreign policy crowd that was used to diplomatic subtlety. Twitter’s removal of Trump a few days after the Jan. 6, 2021, protest and riot at the U.S. Capitol appears to be one of those instances where Twitter executives acted on their own, breaking the platform’s content policies in suppressing the voice of a sitting American president, internal documents indicate. Twitter suspended Trump’s account on Jan. 8, 2021, after the president made two posts. “The 75,000,000 great American Patriots who voted for me, AMERICA FIRST, and MAKE AMERICA GREAT AGAIN, will have a GIANT VOICE long into the future. They will not be disrespected or treated unfairly in any way, shape or form!!!” said one of Trump’s tweets. “To all of those who have asked, I will not be going to the Inauguration on January 20th,” read the other. Twitter moderators and supervisors agreed that the Tweets didn’t violate any rules. “I think we’d have a hard time saying this is incitement,” wrote one staffer. “It’s pretty clear he’s saying the ‘American Patriots’ are the ones who voted for him and not the terrorists (we can call them that, right?) from Wednesday.” Higher executives, under pressure from their many anti-Trump employees, wouldn’t accept that conclusion and continued to push for construing Trump’s comments as malicious. “The biggest question is whether a tweet line the one this morning from Trump, which isn’t a rule violation on its face, is being used as coded incitement to further violence,” Vijaya Gadde, Twitter’s Head of Legal, Policy, and Trust, argued in an internal message. Another Twitter moderation team quickly furnished Gadde’s argument with a narrative. Trump was a “leader of a violent extremist group who is glorifying the group and its recent actions,” the team concluded, according to internal messages. Undermining the Nunes Memo In January 2018, then-Rep. Devin Nunes (R-Calif.) submitted his memo detailing FBI surveillance abuses in pursuit of the Trump-Russia investigation. The memo was correct on virtually all points of substance, as later confirmed by DOJ Inspector General Michael Horowitz. The memo was dismissed by the corporate media as a “joke,” but gained significant traction on social media nonetheless. Legacy media and several lawmakers then came out claiming the memo was boosted online by accounts linked to Russian influence operations. However, Twitter found no evidence of Russian influence behind the #ReleaseTheMemo hashtag. The claims were all sourced to the Alliance for Securing Democracy (ASD), a group set up in 2017 under the German Marshall Fund, a think tank funded by the American, German, and Swedish governments. The ASD is closely linked to the U.S. foreign policy and national security establishment. It was headed at the time by Laura Rosenberger, a former Clinton campaign adviser who held various roles at the State Department and the National Security Council. Its Advisory Council includes former Clinton campaign chairman John Podesta, former CIA head Michael Morell, and former Department of Homeland Security (DHS) head Mike Chertoff. Twitter officials were at a loss as to how the ASD came to its conclusions. “We investigated, found that engagement was overwhelmingly organic and driven by strong VIT [Very Important Tweeters] engagement (including Wikileaks, [Donald Trump, Jr., Rep. Steve King, and others),” Trust and Safety head Roth wrote in an internal message. In fact, the “dashboard” ASD used to make its claims had already been reverse-engineered by Twitter—a fact Roth didn’t want to disclose to the media. Twitter tried debunking the story behind the scenes without giving out such details, but to no avail. Initially, reporters ran with the story without even reaching out to Twitter, Roth wrote. The initial letter on the matter from Schiff and Sen. Diane Feinstein (D-Calif.), the top Democrat on the Judiciary Committee at the time, also came out before giving Twitter a chance to respond, internal messages say. Twitter tried to stop Sen. Richard Blumenthal (D-Conn.) from piling on with his own letter, but again failed. “Blumenthal isn’t always looking for real and nuanced solutions. He wants to get credit for pushing us further. And he may move on only when the press moves on,” commented Carlos Monje, Twitter’s then-Public Policy director, in an internal message. Formerly a Department of Transportation official, Monje returned to the department under the Biden administration. In the end, Twitter never publicly challenged the Russia narrative. Aiding Pentagon Psyops In 2017, a Pentagon official asked Twitter to “whitelist” several accounts the Defense Department was using to spread its message in the Middle East. Twitter obliged, giving the accounts similar privileges it was reserving for verified accounts. Later, however, the Pentagon removed any apparent connections between the accounts and the U.S. government, making them de facto surreptitious. Even though the accounts should have been removed under Twitter’s inauthentic activity policy, the company left them up for several years, independent journalist Fang reported. Federal ‘Belly button’ of Investigation The FBI served as a conduit for other government agencies to pass information to Twitter and ask for favors, according to Taibbi. In one exchange, FBI cyber head Chan explained that the bureau would funnel to Twitter communications from the U.S. intelligence community (USIC), but other election-related communications would come from the DHS’s Cybersecurity and Infrastructure Security Agency (CISA). “We can give you everything we’re seeing from the FBI and USIC agencies,” Chan said. “CISA will know what’s going on in each state.” He then asked if Twitter would like to communicate with CISA separately or if it would prefer to “rely on the FBI to be the belly button of the [U.S. government].” Twitter executives were surprised to learn that the FBI had agents specifically dedicated to searching Twitter and flagging content policy violations. Since 2017, Twitter has employed at least 15 former FBI agents, further entangling the agency with the platform. The practice is so common, there was an internal discussion group at Twitter for former agents. The FBI responded to the Twitter files disclosures in a statement that labeled the reporting “misinformation” spread by “conspiracy theorists and others … with the sole purpose of attempting to discredit the agency.” Department of Homeland Censorship The DHS has managed to shoehorn speech policing into its mandate to protect critical infrastructure. In January 2017, shortly before leaving the White House, President Barack Obama designated elections as critical infrastructure. The DHS’s CISA then made it its job not only to protect elections from hackers, but also from misinformation and disinformation. Read more here... Tyler Durden Tue, 01/17/2023 - 23:00.....»»

Category: blogSource: zerohedgeJan 18th, 2023

2022 Killed Wide-Eyed Crypto Idealism. Here Are Lessons for 2023

The hyper-financialization of the crypto space, and extreme emphasis on “number go up” only hurt the space in 2022. Next year, it’s time to try a different approach. What a difference a year makes. Twelve months ago, I published a 2021 appraisal of crypto that focused on NFT art, with the blockchain artist and pioneer Rhea Myers contending that “creativity on every level is the highest I’ve ever seen.” Bitcoin and Ether were worth more than three times what they are now. Sam Bankman-Fried had recently been anointed the “world’s richest 29-year-old” by Forbes. Since then, crypto has embarked on a long and brutal fall in terms of market value and public perception. Following the collapse of Bankman-Fried’s crypto exchange FTX, many people now consider the technology nearly synonymous with scams. The saga has threatened the mettle of even the most devoted members of the space. NFT trading volume is a fifth of what it was at the end of last December, and about $2 trillion—that’s with a “T”— has been lost from the crypto market since peaking near $3 trillion. [time-brightcove not-tgx=”true”] But it’s far too early to write crypto’s epitaph: the industry has recovered from several major slumps in the past. As the calendar turns, it’s likely that a sluggish bear market will stretch on for months. But there are many people in the space working on tools for improving transparency to prevent future collapses; on regulation that both protects consumers and allows them access to crypto across the world; and on financial projects that don’t overpromise rewards. The hyper-financialization and extreme emphasis on “number go up” (crypto parlance for unstoppable financial growth) only hurt the space in 2022. Next year, it’s time to try a different approach. Here are some of the biggest lessons that the crypto world (hopefully) learned in 2022, to take into the new year. If a deal looks too good to be true, it probably is Get-rich-quick schemes thrived in crypto in the beginning of the year. In particular, many companies offered financial products with interest rates significantly higher than you’d get at a traditional bank. Celsius, a major lender, offered yields of up to 18%. Anchor, a program that was part of the Terra-Luna ecosystem, offered 20%. While these deals were met with skepticism, their creators —Celsius’s Alex Mashinsky and Terra-Luna’s Do Kwon—bragged that they had unlocked mechanisms that were simply better and smarter than their predecessors. Perhaps unsurprisingly, these schemes quickly fell apart when the market turned downward. Celsius filed for bankruptcy in July with more than 100,000 creditors—many of them individual customers. The Terra-Luna ecosystem became basically worthless, and Do Kwon is wanted by the South Korean police. Although many people had questioned the sustainability of both Celsius and Anchor during their rises, those criticisms were often dismissed as “FUD:” a shorthand for the needless “fear, uncertainty, doubt” of crypto skeptics. Too often, legitimate criticisms are dismissed as “FUD” by crypto optimists, who would rather believe that their riches will always swell even when faced by strong evidence going the other way. Decentralization can be a liability Decentralization is a core tenet of crypto: the idea that no government, bank, or individual actor should be able to control or manipulate it. Crypto leadership should be dispersed, Ethereum founder Vitalik Buterin explained to me in February. “Leadership positions aren’t fixed, so if leaders stop performing, the world forgets about them,” he said. “And the converse is that it’s very easy for new leaders to rise up.” Read More: Vitalik Buterin is Worried About Crypto’s Future But in 2022, crypto became shockingly centralized, precisely because there were no gatekeepers or regulators to stop new leaders from accumulating wealth and power. Three leaders in particular—Do Kwon, Su Zhu of Three Arrows Capital, and Bankman-Fried—amassed fortunes through social media charisma, sketchy financial products and a fierce growth mindset. They each earned widespread trust early in the year, and their projects became so integral to the crypto ecosystem that they seemed too big to fail. Yet fail they did. When Kwon’s Terra-Luna ecosystem fell apart, a vicious contagion hit crypto markets, in turn felling Su Zhu’s Three Arrows Capital and then Bankman-Fried’s FTX. Crypto was supposed to be about code, not people—but three men were able to accrue enough power to wipe out trillions in value. A similar problem plagued DAOs (decentralized autonomous organizations), an organizational structure that was supposed to be more equitable for members. But because voting in those organizations was often based on the number of tokens you owned, a July study found that across several major DAOs, less than 1% of all holders retained 90% of the voting power. Self-regulation is failing to stop scams Crypto’s number one enemy in America this year was Securities and Exchange Commission (SEC) Chair Gary Gensler, who used his power to crack down upon various crypto projects. Many crypto insiders believed that the industry should exist outside the purview of the SEC, and that the blockchain would allow them to self-regulate effectively. But crypto communities also failed to sniff out bad actors in their midst before it was far too late. First, investors of the decentralized finance (DeFi) project Wonderland failed to notice for months that its co-founder was Michael Patryn, a long-time scammer who had led a Canadian crypto exchange that had defrauded customers $190 million. Sam Bankman-Fried also amassed unprecedented power and popularity without anyone in crypto (or outside of it) bothering to fact-check whether anything he said was true. While it is true that Bankman-Fried’s downfall was brought about by insiders—including the crypto news outlet Coindesk and then Bankman-Fried’s rival Binance Changpeng Zhao—these revelations came too late for at least one million FTX customers and investors. It’s getting easier to catch crypto criminals Billions of dollars worth of crypto were swiped in scams this year, according to blockchain analysis firms like Chainalsysis. But while thieves thrived on the blockchain by exploiting bridges between chains and persuading users to hand over their personal keys, it also became increasingly clear that its transparent nature helped police track them down. The Department of Justice and other law enforcement agencies have become increasingly active and adept in tracking down stolen money by tracing information trails across the blockchain. In February, the DOJ tracked down $3.6 billion in Bitcoin that had been stolen in 2016. Last month, the journalist Andy Greenberg published the book Tracers in the Dark: The Global Hunt for the Crime Lords of Cryptocurrency, which reveals the increasingly sophisticated techniques that investigators use to track down crypto criminals. “It took me a decade to realize how opposite of untraceable Bitcoin really was,” Greenberg told me in an interview. “Cryptocurrency tracing was not only possible, but an incredibly powerful investigative technique. And in the hands of one small group of detectives, it led to the bust of one massive cyber criminal operation after another, each bigger than the last.” Crypto prices are increasingly tied to mainstream markets Crypto idealists want to believe that Bitcoin and Ethereum operate outside of the traditional financial systems, and that cryptocurrencies are inflation-resistant. This was proved false in 2022: the prices of these currencies have begun to move in tandem with larger markets like the S&P 500. Crypto has certainly provided a lifeline for investors in countries with radically unstable currencies, like Venezuela. Crypto has also proved crucial for expedited fundraising and money transfers in Ukraine during the Russian invasion. But just as the stock market has tanked, with tech stocks in particular faring poorly, so too has crypto. Read More: Here’s Why Bitcoin and Other Cryptocurrencies Keep Crashing Ethereum’s merge was a rare bright spot Amidst the slew of bad news, there was a shining bright spot for the crypto community: Ethereum completed its transition from Proof of Work to Proof of Stake after years of preparation. The transition reduced Ethereum’s energy usage by over 99.9%, according to estimates, and was shepherded into existence by a team of developers working in tandem across the world. The merge sets the stage for Ethereum to become faster, cheaper and more secure. Read More: Why The Ethereum Merge Matters.....»»

Category: topSource: timeDec 27th, 2022

The "world"s coolest dictator" rounded up 60,000 people in a supposed crackdown on MS-13. A shrimp farming community is fighting back.

The MS-13 gang made El Salvador one of the most violent places not at war. The "world's coolest dictator" created a new layer of misery. Residents of the Bajo Lempa meet weekly at a retreat center to discuss the mass arrests.Fred Ramos for InsiderGang violence has made El Salvador one of the world's most violent places not at war. The crackdown by its "Bitcoin president" created a new layer of misery.SISIGUAYO, EL SALVADOR — On the morning that Walber Rodriguez was arrested last May, he was just two minutes from his home in Sisiguayo, El Salvador.Walber and his wife Estefany had worked the overnight shift at the shrimp cooperative, and then taken their six-year-old daughter Michelle to visit a relative. Walber was driving the family motorcycle, and Estefany and Michelle sat behind him. They were headed home.Walber was pulled over at "El Ceibo," a gathering place in Sisiguayo that's marked by a sturdy tree with an abundant canopy. Soon, Walber's sister, mother, and father had arrived, trying to reason with the officer, who knew them by name. They didn't understand why Walber was being handcuffed. Sisiguayo was a place that saw police and soldiers as allies. Back in 2015, when the MS-13 gang descended on the hamlet looking to recruit local teenagers, the cops had come down hard, even murdering some of the gang members, and Walber and his neighbors had raised money to build a new police station. Now, backup was arriving for the officer. Two navy soldiers showed up, including one who had been with Walber just the night before, watching a soccer game, and informed the others that Walber was "a working man." A patrol vehicle full of additional cops followed. No one named anything that Walber had done wrong. Yet the family's pleas didn't work. "Look," said the officer who led Walber off, flipping his wrist to the sky, "this comes from above." Within days of Walber's arrest, the Rodriguezes learned he was being accused of belonging to MS-13. "El Ceibo," a gathering place in Sisiguayo, is marked by a sturdy tree with an abundant canopy. It was here that Walber Rodriguez was arrested on May 1, 2022.Fred Ramos for InsiderScenes like this have been playing out across El Salvador since March, when President Nayib Bukele declared a "state of exception" and suspended certain constitutional rights, ostensibly to deal with MS-13 and two offshoots of the rival Barrio 18 gang, Barrio 18 Sureños and Barrio 18 Revolucionarios — all of which have terrorized El Salvador and made it one of the world's most violent places not at war. The declaration was meant to be temporary, lasting 30 days, but Bukele's administration has renewed it nine times. More than 60,000 people, mostly working-age men, have been arrested, while signs along roadways feature cinematic images of heavily-armed police ridding the country of "terrorists." Just as commercial fishermen trawl their way through columns of water to maximize their catch, Salvadoran authorities have rounded people up indiscriminately and with flimsy explanations.The 'world's coolest dictator' Even before authorities crushed in tens of thousands in a span of mere weeks, El Salvador's prisons were overcrowded and disease-ridden. It now tops the list of countries with the highest percentage of their populations behind bars, according to the World Prison Brief, a distinction that has been previously held by the United States. The supposed targets, MS-13 and Barrio 18, began in Los Angeles in the late twentieth century and arrived in El Salvador by way of gang members deported from the US. In 2018, then-President Donald Trump referenced MS-13 to say the US had allowed "animals" to cross into the country, and to justify draconian immigration policies. In El Salvador, the gangs have become one of the country's biggest employers, and they have cemented their power through backroom deals with elected leaders. That appears to have continued under Bukele, a former executive at a family public relations firm who was elected president in 2019 and has fashioned himself, in his ever-changing Twitter bio, as the "world's coolest dictator." Outside El Salvador, Bukele is best known for adopting Bitcoin as a national currency. A sign in the capital, San Salvador, announces the anti-gang crackdown.Fred Ramos for InsiderLast year, the US Treasury sanctioned two senior officials from Bukele's administration for cutting a deal with the gangs in exchange for support in the 2021 midterm elections — which saw Bukele's New Ideas party win a supermajority — and committing fewer homicides. What preceded the state of exception was a horrific weekend in which the gangs killed nearly 90 people. It, too, was allegedly a product of that deal: Salvadoran journalists at the investigative news outlet El Faro reported that the rampage was MS-13's retribution for a break-down in the agreement. The cooperation doesn't end there. Earlier this year, when the U.S. federal court of the Eastern District of New York requested the extradition of MS-13's leadership to stand trial on terrorism charges, Bukele-allied judges blocked some of the extraditions. The administration then released one of the wanted gang leaders from prison, and a senior official helped him flee to Guatemala. The administration denies all this, and, so far, things appear to be going Bukele's way. Tough-on-crime stances have historically been as popular in El Salvador as in the United States. And, as in the U.S., the public is primed to believe that anyone targeted by police is guilty until proven innocent. A Gallup poll released in October recorded Bukele's public approval at 86%. Police make an arrest in San Salvador on June 14th, 2022.Fred Ramos for InsiderThe word on the street, according to family members gathered at prisons for news of loved ones, is that while local gang cliques have gone quiet, they're still out there — hiding in full knowledge of the police, whose focus is elsewhere. According to the Passionist Social Services, nearly 40% of the murders in El Salvador since the beginning of the state of exception have been committed by police. Meanwhile, the administration has steadily eroded public access to information about who they are taking and why. El Faro obtained documents involving 690 arrests between March and April, and found that, overwhelmingly, the police are using criteria like "looking suspicious" or "acting nervous" to justify the arrests. Bukele, for his part, has breezily mentioned a margin of "one percent error." "This time, they're not coming out," he tweeted about the state of exception detainees in mid-April. The administration is building a new prison that Bukele says will house 40,000 "terrorists" who "will be cut off from the outside world." But, by terrorists, the president seems to mean people like Walber. 'Until we can embrace them'Once it became clear that Walber had been caught up in the crackdown, the Rodriguez family's hope for a quick release evaporated. By this point, they had discovered that they were not alone. All around them in Sisiguayo and the surrounding Bajo Lempa valley, people were arrested with no satisfactory explanation. The sons of two cousins who lived in a nearby community, Mario and Pablo, were among the first to be taken; their boys were handcuffed while drinking beers after a soccer game. Another neighbor was arrested even though he'd obtained and was carrying around his spotless police record, believing, wrongly, that such a thing would matter to police. He was detained holding his one-year-old in his arms.Residents of the Bajo Lempa who'd been touched by the arrests had begun meeting weekly at a nearby retreat center. There were only about a dozen attendees then, most of them trembling in fear and unable to tell their stories without crying. Now, Estefany, along with Walber's sister, Glenda, and Walber's parents, Tomas and Margarita, became the group's newest members. The group had started in April, launched by Rossy Iraheta Marinero and José Salvador Ruiz, known as Chamba  — two lay pastoral guides whose faith follows the tenets of Latin American liberation theology. They came from the same limited economic reality as their neighbors, and, in fact, they have full-time jobs and families. None of their own relatives had been detained. But they'd been stirred by the plight and compelled by their own theological solidarity practices to act. In the early days, they found that even civil society organizations that were traditionally fearless in denouncing state violence seemed reluctant to aid the so-called "terrorists." A handful of human rights organizations, principally one called Cristosal and a feminist collective in San Salvador, stepped up and, through them, the group has now filed 111 claims of habeas corpus  — a legal demand that prosecutors present their evidence against a detained person, or forfeit custody. "The families have hope that their loved ones are still alive, but they don't have certainty of that," Rossy told me. They also created a website where they posted photos of their imprisoned kin, and composed a song, "Until we can embrace them," that enshrines their suffering and their demands.   Few groups elsewhere in the country have coalesced in this way to lobby. Rossy evokes groups in Argentina and Mexico – and even in El Salvador itself – who never stopped agitating for justice on behalf of loved ones who had been disappeared by the state in earlier decades, leaving maps for others to follow. "A long battle" lies ahead, Rossy cautioned them in one meeting. "You have to be prepared."Outside MarionaWalber, and many of the others from the Bajo Lempa, had ended up at a prison informally known as Mariona, for the municipality where it's located. Under the state of exception, prisons were sealed off. Not even lawyers could get in. There was no protocol for finding out how Walber was doing, or if he was even alive. In El Salvador, it falls to families to help feed and clothe incarcerated relatives. Although the State provides meals to those in prison, Bukele has limited the men to two meager plates per day, as punishment. To leave supplemental food and other essentials, or to elicit a nugget of information from a bureaucrat at the prison's entrance, Estefany, Glenda, and others from Sisiguayo had no choice but to camp out outside Mariona. It's mostly men who have been arrested, and, in the first months of the crackdown, it was mostly women waiting outside prisons, by the thousands, for days at a time, sharing meals and makeshift cardboard mattresses. Everyone was taking on debt to afford the litany of expenses that follow an arrest, and some said they'd lost their jobs because they had spent so many days waiting. It was rumored that some police were offering to trade a man's freedom for sex or money.Glenda Rodriguez walks to the Mariona prison to get news of her brother, Walber Rodriguez, on June 20, 2022.Fred Ramos for Insider The jailings came so fast that Cristosal rushed to set up an online system where families could report arrests and sign up for support as they navigated the justice system. Families described traveling hours to a public defender's office and finding a line so long they lost hope of being seen. There's now about one public defender for every 200 arrests. Initial hearings include up to 500 defendants simultaneously, and Bukele has warned he'll be monitoring judges for "favoring delinquents."  If a name disappears from the register of detainees, it could mean they'd been moved to another prison, or to a hospital, or to a morgue. The country's major newspapers run regular reports of families being unceremoniously delivered the lifeless bodies of loved ones. One of the few men who'd been held at Izalco prison and then released told the Salvadoran outlet La Prensa Grafica that prisoners had been made to run barefoot in circles for hours. When one man fell from exhaustion, the guards broke his ribs, and he died eight days later, the man said. This is the kind of news the families of the Bajo Lempa live in terror of receiving. 'We fear each other again'Sisiguayo sits in the fertile valley where the Lempa river makes its final stretch through El Salvador before flowing out to the Pacific Ocean. Here, the air tastes salty and thick, a reminder of the mangrove forests and the ocean just beyond them. Homes are one-story cinderblock structures, painted in tropical greens and blues and surrounded by clotheslines, palm trees and outhouses. A communal speaker system broadcasts news and emergency alerts.A sunbaked dirt road connects Sisiguayo to the nearest highway, and along it, residents commute by bicycle or motorbike, bending around the cows, horses and dogs that loll about. Every year around November, the rainy season leaves behind deep potholes, so each family gives the share of money they can spare to pay for gas to power the construction equipment loaned from the mayor's office to fortify the road. Most young people work in shrimp cooperatives, where many tasks are nocturnal. It's a life of little sleep and hard manual labor. Night shifts start at around three in the morning. The workers return home for breakfast at about nine, and head off to a second job, like seasonal farming or bricklaying. Here, as everywhere else, the state of exception has been a financial drain. More than a dozen men from one of the shrimp cooperatives were netted in the crackdown, and what normally takes the cooperative two weeks to accomplish now takes two or three months. Roxana, another one of the Rodriguezes' neighbors, was hit especially hard by the arrests. Her two sons, a daughter-in-law and a brother-in-law were rounded up, as well as her boyfriend Jeremias' two nephews. Now, she spends much of her time running endless arrest-related errands. Her youngest daughter, who's 12, had to leave school to help run the family's corner store and care for Roxana's 5-year-old grandchild. Within the first six weeks, the costs ballooned to around $1000 — a small fortune that's twice the amount Roxana spent to open and fully stock her shop. By the late summer, Jeremias is usually out in the fields alongside Roxana's two boys and his two nephews, planting corn for the family to eat. With them in prison, he had to forgo the crop this year, because it's too much to handle alone.  The state of exception "has a human cost that we still can't fully see," said Noah Bullock, Executive Director of Cristosal. "There is the torture, the inhumane treatment, the more than eighty deaths in prisons, and that's only talking about the people who are detained. Life projects that people have built slowly over generations are suddenly paralyzed and collapsed. There's the loss of income and the simultaneous expenses. The social cost of being stigmatized as 'terrorists.'" The administration seems unperturbed by the volume of blameless people it has locked up. "There will always be victims in war," Vice President Felix Ulloa has said of the state of exception. Walber's father, Tomas, at home in Sisiguayo, on June 17, 2022.Fred Ramos for InsiderThe last time state security forces were targeting the people of the Bajo Lempa en masse and without explanation, it was in the middle of a civil war. From late 1979 until 1992, vicious US-backed government forces clashed with a leftist guerrilla movement. More than 75,000 Salvadorans died and thousands more were disappeared. A United Nations truth commission later found that 85% of the war kidnapping, torture and murder were committed by the government forces, including police and military. Walber's parents were among those fighting on the side of the guerrillas. In 1992, when they dropped their rifles after U.N.-brokered peace talks, they were given land as a way to return to civilian life. Margarita, Tomas and their neighbors came to inhabit Sisiguayo, with its rich coastal tracts, generous for fishing and farming. For Margarita, her son's senseless arrest reminded her of the state-sponsored kidnappings that had led her to take up arms. "That's what most hurts," she told me. "Now we fear each other again."  A photo of Walber Rodriguez's father, Tomas, from when he was a member of a guerrilla group during the Salvadoran civil war, hangs in his house.Fred Ramos for InsiderThe Bajo Lempa is also a flood plain, a condition that was exacerbated by poor government management of the hydroelectric dams that line the river. During repeated devastating floods in the past three decades, the people of the region, the Rodriguez family among them, lobbied and protested, even marching about sixty miles on foot to the capital to demand better dam administration. For Walber and his older sister Glenda, who were children at the time, this was an early education in democracy. The Bajo Lempa won. San Salvador committed to building the levies needed to ameliorate the annual floods, and to communicating its plans to discharge water from the dams, so the communities in harms' way could evacuate in time.Now, they are again under siege. Surf City Abroad, Bukele is best known for two things. First, his announcement, at the Bitcoin 2021 conference in Miami, that his government would "push humanity at least a tiny bit in the right direction" by adopting Bitcoin as a national currency. Second, his "Surf City" initiative along El Salvador's 190-mile Pacific coastline, where consistent eight-to-ten-foot waves in prime spots makes it one of the best surfing destinations in the Americas. Bukele's target audience for Surf City is Bitcoin enthusiasts and international surfers. And everyone knows that Surf City is his. After the apparent breakdown in negotiations between the administration and MS-13, the gangs left a message for Bukele in the form of a mangled cadaver on the highway that connects the beaches to the capital.By June 2022, Bloomberg estimated that Bukele's crypto gamble had cost El Salvador nearly $56 million. That same month, as thousands of Salvadorans were being locked up, Surf City was playing host to the World Surf League's Championship Tour at a beach called Punta Roca. "Eighty-two degree water, no wetsuits!" a voice thundered from the loudspeaker.Nearby, cameramen grumbled to a Salvadoran surfer that they couldn't pan without a uniformed man with a rifle coming into the image.  Locals, who in theory stand to benefit from all of this, were remarking that whitewashing the entrance wall to one beach, El Tunco, and stamping it with an English name left it looking like a drive-through bank. "It was good that he saw the potential in our waves," Enzo, who runs a couple of cafes in the area, told me one evening. Promised infrastructural improvements, like finally completing a waste-water treatment plant so that businesses aren't reliant on bottled water, haven't arrived. Meanwhile, new luxury apartments with a base price of $400,000 are being marketed to crypto enthusiasts, prompting worry that excessive development will smother the area's natural beauty and put everyone out of business. It's almost as if Surf City is Bukele's Potemkin Village, thrown up to boost his standing in a handful of elite circles as he loses legitimacy elsewhere. Bukele "wants to promote the country as a place that other people can buy," said Bullock of Cristosal. "But what is his plan for the middle-aged man who has sold coconuts in Punta Roca his whole life? El Tunco already has local commerce and its own identity. Why not honor that identity?"'Dad's not working, is he?'When Walber was jailed, Estefany told their six-year-old, Michelle, that Walber had gone out of town for a job. When Estefany and Glenda left for days camped outside the prison, she said they were studying. Michelle's questions became harder to escape. When he was away working, Walber usually sent a flood of adoring messages to his daughter on Estefany's phone, but this time, there were none to show. Before ten days had passed, Michelle cornered her mom: "Dad's not working, is he?"  At six, Michelle is absorbing that her life is built on shifting sands — a father in prison, a mother who might withhold the truth. Estefany tried to explain, saying, "The authorities make mistakes." But it's just another tectonic lesson for a child. Walber and Estefany have known each other since they were kids and they've been partners for years, but it was only last year that they finally got married. They were the first in the family to have a real wedding, and Glenda remembers how they both giggled when they asked her to save the date — Dec. 17. Graduation photos of Walber Rodriguez, left, and his sister, Glenda Rodriguez, right, at the family house in Sisiguayo.Fred Ramos for InsiderEstefany's dress, which Glenda and Margarita helped her choose, was the color of red wine and had a sparkling brooch at the bosom. Walber had splurged on a new oxford shirt, jeans, and white tennis shoes. He also surprised Estefany with a wedding ring, which he had secretly saved for months to buy. It was a luxury she had never imagined. The cake, a single-tier white sphere adorned with fruit, held the children rapt until it was time to dig in. When Glenda thinks about the politicians and the police who get to return home to their families at night, so easy in their freedom, it fills her with rage. They can't even begin to comprehend what they have stolen from their people.'No one else will defend him but us' The retreat center where the families met every week was a thirty-minute crawling drive down the potholed dirt road from where Walber was arrested. In late June, 54 days after Walber's arrest, three-dozen of them sat as they usually did, in a circle of plastic chairs in an open-air pavilion, roofed in ceramic tile and ringed in a garden of carefully-manicured green.Rossy stood in the middle of the circle, wearing flip-flops and a white tunic embroidered with flowers, calling on people to speak. Chamba kept a notebook propped between his thigh and the arm of his wheelchair. The families were debating: Should they stay the course, and pursue their habeas corpus claims in court? Or was it time to take to the streets? The habeas corpus route had been Rossy's idea. Back in 2020, right when COVID-19 upended global travel, Rossy was in Ecuador at a theological conference. Bukele was about to close the borders and implement some of the most restrictive pandemic measures in the world. She managed to get onto the last flight into the Salvadoran airport and ended up at a quarantine center for six weeks. Desperate for a way out, a lawyer friend advised her to file a habeas corpus claim. It worked – she was released. Now, it's a tactic that more than 1,800 other Salvadorans across the country have also used since March, but to little effect since the administration has wrenched the legal system into its orbit, forcing many judges to retire and intimidating the rest, along with flooding the system with many times more defendants than it can handle. Members of the group have been harassed by the police, and there was always concern that cops might show up in the middle of the meeting to arrest everyone. One woman who had started attending after her husband was arrested was then herself arrested. Now, the neighbors couldn't agree on what was best. The state of exception allowed the police to detain anyone for any reason. If they protested and ended up incarcerated alongside their loved ones, who would defend them then?  People clamored to speak. Rossy called on a gray-haired man in a cowboy hat. He was one of the many who had spent consecutive days and nights on the street outside Mariona, where his son was being held, and while there, he heard rumor that the guards take vengeance on prisoners whose families caused trouble out front. He rose slowly, and then stated his firm opposition to any public action. He reminded the group that it wasn't only themselves who would pay the price for protesting. When he took up arms in the civil war, he said, it was his own life he was putting at risk. But now, any action might put his son's life at risk. When he finished speaking, Glenda – who, at 28 years old, was among the youngest group members – raised her hand. "I may not have as much life experience as many of you. And I didn't live the war fighting in the mountains like many of you did," she began. But, she continued, she did know that all of El Salvador's civil rights victories, including democracy itself, were the product of struggles on the street. She too had camped outside Mariona, and she had learned that viral malicious rumors appeared on social media as part of an attempt to silence families. A meeting of the Bajo Lempa families on June 17, 2022.Fred Ramos for Insider"If the state is going to kill my brother, it will do so whether or not I speak out. If it will incarcerate me – the same is true," she reasoned. "No one else will defend him but us." Finally, there was simply the value of the truth: "The president wants to make this country look like a wonderland, like everything is Surf City," she said – but the world needed to know what was really happening in El Salvador.  The group ultimately decided that Glenda was right: it was time to take the streets. And just as each Bajo Lempa family had discovered that they were not alone when they found the group, now they saw there were hundreds of families around the country who, like them, were ready to march in San Salvador. They began regularly joining the others in the capital to protest and speak to the media, while continuing their habeas corpus petitions. Just before Christmas, the families of the Bajo Lempa packed a bridge on a main thoroughfare and demanded their loved ones be freed. For now, the Bukele administration remains unmoved. The group is now planning to sue their government in an international human rights court.One day last summer, before anyone comprehended how long this would last, Roxana told me something that multiple women in the Bajo Lempa echoed: Since her children were detained, she has been dreaming of them. In one dream, she was sitting at home in the dark, and one of her three sons walked through the front door. He paused in the threshold. She thought it was Cristian, the only one who has not yet been taken. But when he stepped out of the shadow, she saw that it was Javier, her youngest. He was dressed just as he had been on April 27, the night the police hauled him away. She called to him – and then the dream ended. "As a mother," she said, "you wake up to a nightmare."This reporting was supported by the International Women's Media Foundation's Howard G. Buffett Fund for Women Journalists.Read the original article on Business Insider.....»»

Category: topSource: businessinsiderDec 27th, 2022

The "world"s coolest dictator" rounded up 60,000 people in a crackdown on MS-13. A shrimp farming community is fighting back.

The MS-13 gang made El Salvador one of the most violent places not at war. The 'world's coolest dictator' created a new layer of misery. Residents of the Bajo Lempa meet weekly at a retreat center to discuss the mass arrests.Fred Ramos for InsiderGang violence has made El Salvador one of the world's most violent places not at war. The crackdown by its "Bitcoin president" created a new layer of misery.SISIGUAYO, EL SALVADOR — On the morning that Walber Rodriguez was arrested last May, he was just two minutes from his home in Sisiguayo, El Salvador.Walber and his wife Estefany had worked the overnight shift at the shrimp cooperative, and then taken their six-year-old daughter Michelle to visit a relative. Walber was driving the family motorcycle, and Estefany and Michelle sat behind him. They were headed home.Walber was pulled over at "El Ceibo," a gathering place in Sisiguayo that's marked by a sturdy tree with an abundant canopy. Soon, Walber's sister, mother, and father had arrived, trying to reason with the officer, who knew them by name. They didn't understand why Walber was being handcuffed. Sisiguayo was a place that saw police and soldiers as allies. Back in 2015, when the MS-13 gang descended on the hamlet looking to recruit local teenagers, the cops had come down hard, even murdering some of the gang members, and Walber and his neighbors had raised money to build a new police station. Now, backup was arriving for the officer. Two navy soldiers showed up, including one who had been with Walber just the night before, watching a soccer game, and informed the others that Walber was "a working man." A patrol vehicle full of additional cops followed. No one named anything that Walber had done wrong. Yet the family's pleas didn't work. "Look," said the officer who led Walber off, flipping his wrist to the sky, "this comes from above." Within days of Walber's arrest, the Rodriguezes learned he was being accused of belonging to MS-13. "El Ceibo," a gathering place in Sisiguayo, is marked by a sturdy tree with an abundant canopy. It was here that Walber Rodriguez was arrested on May 1, 2022.Fred Ramos for InsiderScenes like this have been playing out across El Salvador since March, when President Nayib Bukele declared a "state of exception" and suspended certain constitutional rights, ostensibly to deal with MS-13 and two offshoots of the rival Barrio 18 gang, Barrio 18 Sureños and Barrio 18 Revolucionarios — all of which have terrorized El Salvador and made it one of the world's most violent places not at war. The declaration was meant to be temporary, lasting 30 days, but Bukele's administration has renewed it nine times. More than 60,000 people, mostly working-age men, have been arrested, while signs along roadways feature cinematic images of heavily-armed police ridding the country of "terrorists." Just as commercial fishermen trawl their way through columns of water to maximize their catch, Salvadoran authorities have rounded people up indiscriminately and with flimsy explanations.The 'world's coolest dictator' Even before authorities crushed in tens of thousands in a span of mere weeks, El Salvador's prisons were overcrowded and disease-ridden. It now tops the list of countries with the highest percentage of their populations behind bars, according to the World Prison Brief, a distinction that has been previously held by the United States. The supposed targets, MS-13 and Barrio 18, began in Los Angeles in the late twentieth century and arrived in El Salvador by way of gang members deported from the US. In 2018, then-President Donald Trump referenced MS-13 to say the US had allowed "animals" to cross into the country, and to justify draconian immigration policies. In El Salvador, the gangs have become one of the country's biggest employers, and they have cemented their power through backroom deals with elected leaders. That appears to have continued under Bukele, a former executive at a family public relations firm who was elected president in 2019 and has fashioned himself, in his ever-changing Twitter bio, as the "world's coolest dictator." Outside El Salvador, Bukele is best known for adopting Bitcoin as a national currency. A sign in the capital, San Salvador, announces the anti-gang crackdown.Fred Ramos for InsiderLast year, the US Treasury sanctioned two senior officials from Bukele's administration for cutting a deal with the gangs in exchange for support in the 2021 midterm elections — which saw Bukele's New Ideas party win a supermajority — and committing fewer homicides. What preceded the state of exception was a horrific weekend in which the gangs killed nearly 90 people. It, too, was allegedly a product of that deal: Salvadoran journalists at the investigative news outlet El Faro reported that the rampage was MS-13's retribution for a break-down in the agreement. The cooperation doesn't end there. Earlier this year, when the U.S. federal court of the Eastern District of New York requested the extradition of MS-13's leadership to stand trial on terrorism charges, Bukele-allied judges blocked some of the extraditions. The administration then released one of the wanted gang leaders from prison, and a senior official helped him flee to Guatemala. The administration denies all this, and, so far, things appear to be going Bukele's way. Tough-on-crime stances have historically been as popular in El Salvador as in the United States. And, as in the U.S., the public is primed to believe that anyone targeted by police is guilty until proven innocent. A Gallup poll released in October recorded Bukele's public approval at 86%. Police make an arrest in San Salvador on June 14th, 2022.Fred Ramos for InsiderThe word on the street, according to family members gathered at prisons for news of loved ones, is that while local gang cliques have gone quiet, they're still out there — hiding in full knowledge of the police, whose focus is elsewhere. According to the Passionist Social Services, nearly 40% of the murders in El Salvador since the beginning of the state of exception have been committed by police. Meanwhile, the administration has steadily eroded public access to information about who they are taking and why. El Faro obtained documents involving 690 arrests between March and April, and found that, overwhelmingly, the police are using criteria like "looking suspicious" or "acting nervous" to justify the arrests. Bukele, for his part, has breezily mentioned a margin of "one percent error." "This time, they're not coming out," he tweeted about the state of exception detainees in mid-April. The administration is building a new prison that Bukele says will house 40,000 "terrorists" who "will be cut off from the outside world." But, by terrorists, the president seems to mean people like Walber. 'Until we can embrace them'Once it became clear that Walber had been caught up in the crackdown, the Rodriguez family's hope for a quick release evaporated. By this point, they had discovered that they were not alone. All around them in Sisiguayo and the surrounding Bajo Lempa valley, people were arrested with no satisfactory explanation. The sons of two cousins who lived in a nearby community, Mario and Pablo, were among the first to be taken; their boys were handcuffed while drinking beers after a soccer game. Another neighbor was arrested even though he'd obtained and was carrying around his spotless police record, believing, wrongly, that such a thing would matter to police. He was detained holding his one-year-old in his arms.Residents of the Bajo Lempa who'd been touched by the arrests had begun meeting weekly at a nearby retreat center. There were only about a dozen attendees then, most of them trembling in fear and unable to tell their stories without crying. Now, Estefany, along with Walber's sister, Glenda, and Walber's parents, Tomas and Margarita, became the group's newest members. The group had started in April, launched by Rossy Iraheta Marinero and José Salvador Ruiz, known as Chamba  — two lay pastoral guides whose faith follows the tenets of Latin American liberation theology. They came from the same limited economic reality as their neighbors, and, in fact, they have full-time jobs and families. None of their own relatives had been detained. But they'd been stirred by the plight and compelled by their own theological solidarity practices to act. In the early days, they found that even civil society organizations that were traditionally fearless in denouncing state violence seemed reluctant to aid the so-called "terrorists." A handful of human rights organizations, principally one called Cristosal and a feminist collective in San Salvador, stepped up and, through them, the group has now filed 111 claims of habeas corpus  — a legal demand that prosecutors present their evidence against a detained person, or forfeit custody. "The families have hope that their loved ones are still alive, but they don't have certainty of that," Rossy told me. They also created a website where they posted photos of their imprisoned kin, and composed a song, "Until we can embrace them," that enshrines their suffering and their demands.   Few groups elsewhere in the country have coalesced in this way to lobby. Rossy evokes groups in Argentina and Mexico – and even in El Salvador itself – who never stopped agitating for justice on behalf of loved ones who had been disappeared by the state in earlier decades, leaving maps for others to follow. "A long battle" lies ahead, Rossy cautioned them in one meeting. "You have to be prepared."Outside MarionaWalber, and many of the others from the Bajo Lempa, had ended up at a prison informally known as Mariona, for the municipality where it's located. Under the state of exception, prisons were sealed off. Not even lawyers could get in. There was no protocol for finding out how Walber was doing, or if he was even alive. In El Salvador, it falls to families to help feed and clothe incarcerated relatives. Although the State provides meals to those in prison, Bukele has limited the men to two meager plates per day, as punishment. To leave supplemental food and other essentials, or to elicit a nugget of information from a bureaucrat at the prison's entrance, Estefany, Glenda, and others from Sisiguayo had no choice but to camp out outside Mariona. It's mostly men who have been arrested, and, in the first months of the crackdown, it was mostly women waiting outside prisons, by the thousands, for days at a time, sharing meals and makeshift cardboard mattresses. Everyone was taking on debt to afford the litany of expenses that follow an arrest, and some said they'd lost their jobs because they had spent so many days waiting. It was rumored that some police were offering to trade a man's freedom for sex or money.Glenda Rodriguez walks to the Mariona prison to get news of her brother, Walber Rodriguez, on June 20, 2022.Fred Ramos for Insider The jailings came so fast that Cristosal rushed to set up an online system where families could report arrests and sign up for support as they navigated the justice system. Families described traveling hours to a public defender's office and finding a line so long they lost hope of being seen. There's now about one public defender for every 200 arrests. Initial hearings include up to 500 defendants simultaneously, and Bukele has warned he'll be monitoring judges for "favoring delinquents."  If a name disappears from the register of detainees, it could mean they'd been moved to another prison, or to a hospital, or to a morgue. The country's major newspapers run regular reports of families being unceremoniously delivered the lifeless bodies of loved ones. One of the few men who'd been held at Izalco prison and then released told the Salvadoran outlet La Prensa Grafica that prisoners had been made to run barefoot in circles for hours. When one man fell from exhaustion, the guards broke his ribs, and he died eight days later, the man said. This is the kind of news the families of the Bajo Lempa live in terror of receiving. 'We fear each other again'Sisiguayo sits in the fertile valley where the Lempa river makes its final stretch through El Salvador before flowing out to the Pacific Ocean. Here, the air tastes salty and thick, a reminder of the mangrove forests and the ocean just beyond them. Homes are one-story cinderblock structures, painted in tropical greens and blues and surrounded by clotheslines, palm trees and outhouses. A communal speaker system broadcasts news and emergency alerts.A sunbaked dirt road connects Sisiguayo to the nearest highway, and along it, residents commute by bicycle or motorbike, bending around the cows, horses and dogs that loll about. Every year around November, the rainy season leaves behind deep potholes, so each family gives the share of money they can spare to pay for gas to power the construction equipment loaned from the mayor's office to fortify the road. Most young people work in shrimp cooperatives, where many tasks are nocturnal. It's a life of little sleep and hard manual labor. Night shifts start at around three in the morning. The workers return home for breakfast at about nine, and head off to a second job, like seasonal farming or bricklaying. Here, as everywhere else, the state of exception has been a financial drain. More than a dozen men from one of the shrimp cooperatives were netted in the crackdown, and what normally takes the cooperative two weeks to accomplish now takes two or three months. Roxana, another one of the Rodriguezes' neighbors, was hit especially hard by the arrests. Her two sons, a daughter-in-law and a brother-in-law were rounded up, as well as her boyfriend Jeremias' two nephews. Now, she spends much of her time running endless arrest-related errands. Her youngest daughter, who's 12, had to leave school to help run the family's corner store and care for Roxana's 5-year-old grandchild. Within the first six weeks, the costs ballooned to around $1000 — a small fortune that's twice the amount Roxana spent to open and fully stock her shop. By the late summer Jeremias, is usually out in the fields alongside Roxana's two boys and his two nephews, planting corn for the family to eat. With them in prison, he had to forgo the crop this year, because it's too much to handle alone.  The state of exception "has a human cost that we still can't fully see," said Noah Bullock, Executive Director of Cristosal. "There is the torture, the inhumane treatment, the more than eighty deaths in prisons, and that's only talking about the people who are detained. Life projects that people have built slowly over generations are suddenly paralyzed and collapsed. There's the loss of income and the simultaneous expenses. The social cost of being stigmatized as 'terrorists.'" The administration seems unperturbed by the volume of blameless people it has locked up. "There will always be victims in war," Vice President Felix Ulloa has said of the state of exception. Walber's father, Tomas, at home in Sisiguayo, on June 17, 2022.Fred Ramos for InsiderThe last time state security forces were targeting the people of the Bajo Lempa en masse and without explanation, it was in the middle of a civil war. From late 1979 until 1992, vicious US-backed government forces clashed with a leftist guerrilla movement. More than 75,000 Salvadorans died and thousands more were disappeared. A United Nations truth commission later found that 85% of the war kidnapping, torture and murder were committed by the government forces, including police and military. Walber's parents were among those fighting on the side of the guerrillas. In 1992, when they dropped their rifles after U.N.-brokered peace talks, they were given land as a way to return to civilian life. Margarita, Tomas and their neighbors came to inhabit Sisiguayo, with its rich coastal tracts, generous for fishing and farming. For Margarita, her son's senseless arrest reminded her of the state-sponsored kidnappings that had led her to take up arms. "That's what most hurts," she told me. "Now we fear each other again."  A photo of Walber Rodriguez's father, Tomas, from when he was a member of a guerrilla group during the Salvadoran civil war, hangs in his house.Fred Ramos for InsiderThe Bajo Lempa is also a flood plain, a condition that was exacerbated by poor government management of the hydroelectric dams that line the river. During repeated devastating floods in the past three decades, the people of the region, the Rodriguez family among them, lobbied and protested, even marching about sixty miles on foot to the capital to demand better dam administration. For Walber and his older sister Glenda, who were children at the time, this was an early education in democracy. The Bajo Lempa won. San Salvador committed to building the levies needed to ameliorate the annual floods, and to communicating its plans to discharge water from the dams, so the communities in harms' way could evacuate in time.Now, they are again under siege. Surf City Abroad, Bukele is best known for two things. First, his announcement, at the Bitcoin 2021 conference in Miami, that his government would "push humanity at least a tiny bit in the right direction" by adopting Bitcoin as a national currency. Second, his "Surf City" initiative along El Salvador's 190-mile Pacific coastline, where consistent eight-to-ten-foot waves in prime spots makes it one of the best surfing destinations in the Americas. Bukele's target audience for Surf City is Bitcoin enthusiasts and international surfers. And everyone knows that Surf City is his. After the apparent breakdown in negotiations between the administration and MS-13, the gangs left a message for Bukele in the form of a mangled cadaver on the highway that connects the beaches to the capital.By June 2022, Bloomberg estimated that Bukele's crypto gamble had cost El Salvador nearly $56 million. That same month, as thousands of Salvadorans were being locked up, Surf City was playing host to the World Surf League's Championship Tour at a beach called Punta Roca. "Eighty-two degree water, no wetsuits!" a voice thundered from the loudspeaker.Nearby, cameramen grumbled to a Salvadoran surfer that they couldn't pan without a uniformed man with a rifle coming into the image.  Locals, who in theory stand to benefit from all of this, were remarking that whitewashing the entrance wall to one beach, El Tunco, and stamping it with an English name left it looking like a drive-through bank. "It was good that he saw the potential in our waves," Enzo, who runs a couple of cafes in the area, told me one evening. Promised infrastructural improvements, like finally completing a waste-water treatment plant so that businesses aren't reliant on bottled water, haven't arrived. Meanwhile, new luxury apartments with a base price of $400,000 are being marketed to crypto enthusiasts, prompting worry that excessive development will smother the area's natural beauty and put everyone out of business. It's almost as if Surf City is Bukele's Potemkin Village, thrown up to boost his standing in a handful of elite circles as he loses legitimacy elsewhere. Bukele "wants to promote the country as a place that other people can buy," said Bullock of Cristosal. "But what is his plan for the middle-aged man who has sold coconuts in Punta Roca his whole life? El Tunco already has local commerce and its own identity. Why not honor that identity?"'Dad's not working, is he?'When Walber was jailed, Estefany told their six-year-old, Michelle, that Walber had gone out of town for a job. When Estefany and Glenda left for days camped outside the prison, she said they were studying. Michelle's questions became harder to escape. When he was away working, Walber usually sent a flood of adoring messages to his daughter on Estefany's phone, but this time, there were none to show. Before ten days had passed, Michelle cornered her mom: "Dad's not working, is he?"  At six, Michelle is absorbing that her life is built on shifting sands — a father in prison, a mother who might withhold the truth. Estefany tried to explain, saying, "The authorities make mistakes." But it's just another tectonic lesson for a child. Walber and Estefany have known each other since they were kids and they've been partners for years, but it was only last year that they finally got married. They were the first in the family to have a real wedding, and Glenda remembers how they both giggled when they asked her to save the date — Dec. 17. Graduation photos of Walber Rodriguez, left, and his sister, Glenda Rodriguez, right, at the family house in Sisiguayo.Fred Ramos for InsiderEstefany's dress, which Glenda and Margarita helped her choose, was the color of red wine and had a sparkling brooch at the bosom. Walber had splurged on a new oxford shirt, jeans, and white tennis shoes. He also surprised Estefany with a wedding ring, which he had secretly saved for months to buy. It was a luxury she had never imagined. The cake, a single-tier white sphere adorned with fruit, held the children rapt until it was time to dig in. When Glenda thinks about the politicians and the police who get to return home to their families at night, so easy in their freedom, it fills her with rage. They can't even begin to comprehend what they have stolen from their people.'No one else will defend him but us' The retreat center where the families met every week was a thirty-minute crawling drive down the potholed dirt road from where Walber was arrested. In late June, 54 days after Walber's arrest, three-dozen of them sat as they usually did, in a circle of plastic chairs in an open-air pavilion, roofed in ceramic tile and ringed in a garden of carefully-manicured green.Rossy stood in the middle of the circle, wearing flip-flops and a white tunic embroidered with flowers, calling on people to speak. Chamba kept a notebook propped between his thigh and the arm of his wheelchair. The families were debating: Should they stay the course, and pursue their habeas corpus claims in court? Or was it time to take to the streets? The habeas corpus route had been Rossy's idea. Back in 2020, right when COVID-19 upended global travel, Rossy was in Ecuador at a theological conference. Bukele was about to close the borders and implement some of the most restrictive pandemic measures in the world. She managed to get onto the last flight into the Salvadoran airport and ended up at a quarantine center for six weeks. Desperate for a way out, a lawyer friend advised her to file a habeas corpus claim. It worked – she was released. Now, it's a tactic that more than 1,800 other Salvadorans across the country have also used since March, but to little effect since the administration has wrenched the legal system into its orbit, forcing many judges to retire and intimidating the rest, along with flooding the system with many times more defendants than it can handle. Members of the group have been harassed by the police, and there was always concern that cops might show up in the middle of the meeting to arrest everyone. One woman who had started attending after her husband was arrested was then herself arrested. Now, the neighbors couldn't agree on what was best. The state of exception allowed the police to detain anyone for any reason. If they protested and ended up incarcerated alongside their loved ones, who would defend them then?  People clamored to speak. Rossy called on a gray-haired man in a cowboy hat. He was one of the many who had spent consecutive days and nights on the street outside Mariona, where his son was being held, and while there, he heard rumor that the guards take vengeance on prisoners whose families caused trouble out front. He rose slowly, and then stated his firm opposition to any public action. He reminded the group that it wasn't only themselves who would pay the price for protesting. When he took up arms in the civil war, he said, it was his own life he was putting at risk. But now, any action might put his son's life at risk. When he finished speaking, Glenda – who, at 28 years old, was among the youngest group members – raised her hand. "I may not have as much life experience as many of you. And I didn't live the war fighting in the mountains like many of you did," she began. But, she continued, she did know that all of El Salvador's civil rights victories, including democracy itself, were the product of struggles on the street. She too had camped outside Mariona, and she had learned that viral malicious rumors appeared on social media as part of an attempt to silence families. A meeting of the Bajo Lempa families on June 17, 2022.Fred Ramos for Insider"If the state is going to kill my brother, it will do so whether or not I speak out. If it will incarcerate me – the same is true," she reasoned. "No one else will defend him but us." Finally, there was simply the value of the truth: "The president wants to make this country look like a wonderland, like everything is Surf City," she said – but the world needed to know what was really happening in El Salvador.  The group ultimately decided that Glenda was right: it was time to take the streets. And just as each Bajo Lempa family had discovered that they were not alone when they found the group, now they saw there were hundreds of families around the country who, like them, were ready to march in San Salvador. They began regularly joining the others in the capital to protest and speak to the media, while continuing their habeas corpus petitions. Just before Christmas, the families of the Bajo Lempa packed a bridge on a main thoroughfare and demanded their loved ones be freed. For now, the Bukele administration remains unmoved. The group is now planning to sue their government in an international human rights court.One day last summer, before anyone comprehended how long this would last, Roxana told me something that multiple women in the Bajo Lempa echoed: Since her children were detained, she has been dreaming of them. In one dream, she was sitting at home in the dark, and one of her three sons walked through the front door. He paused in the threshold. She thought it was Cristian, the only one who has not yet been taken. But when he stepped out of the shadow, she saw that it was Javier, her youngest. He was dressed just as he had been on April 27, the night the police hauled him away. She called to him – and then the dream ended. "As a mother," she said, "you wake up to a nightmare."This reporting was supported by the International Women's Media Foundation's Howard G. Buffett Fund for Women Journalists.Read the original article on Business Insider.....»»

Category: topSource: businessinsiderDec 27th, 2022

The "world"s coolest dictator" rounded up 60,000 people he claims are MS-13 gang members. A shrimp farming community is fighting back.

The MS-13 gang made El Salvador one of the most violent places not at war. The 'world's coolest dictator' created a new layer of misery. Residents of the Bajo Lempa meet weekly at a retreat center to discuss the mass arrests.Fred Ramos for InsiderGang violence has made El Salvador one of the world's most violent places not at war. The crackdown by its "Bitcoin president" created a new layer of misery.SISIGUAYO, EL SALVADOR — On the morning that Walber Rodriguez was arrested last May, he was just two minutes from his home in Sisiguayo, El Salvador.Walber and his wife Estefany had worked the overnight shift at the shrimp cooperative, and then taken their six-year-old daughter Michelle to visit a relative. Walber was driving the family motorcycle, and Estefany and Michelle sat behind him. They were headed home.Walber was pulled over at "El Ceibo," a gathering place in Sisiguayo that's marked by a sturdy tree with an abundant canopy. Soon, Walber's sister, mother, and father had arrived, trying to reason with the officer, who knew them by name. They didn't understand why Walber was being handcuffed. Sisiguayo was a place that saw police and soldiers as allies. Back in 2015, when the MS-13 gang descended on the hamlet looking to recruit local teenagers, the cops had come down hard, even murdering some of the gang members, and Walber and his neighbors had raised money to build a new police station. Now, backup was arriving for the officer. Two navy soldiers showed up, including one who had been with Walber just the night before, watching a soccer game, and informed the others that Walber was "a working man." A patrol vehicle full of additional cops followed. No one named anything that Walber had done wrong. Yet the family's pleas didn't work. "Look," said the officer who led Walber off, flipping his wrist to the sky, "this comes from above." Within days of Walber's arrest, the Rodriguezes learned he was being accused of belonging to MS-13. "El Ceibo," a gathering place in Sisiguayo, is marked by a sturdy tree with an abundant canopy. It was here that Walber Rodriguez was arrested on May 1, 2022.Fred Ramos for InsiderScenes like this have been playing out across El Salvador since March, when President Nayib Bukele declared a "state of exception" and suspended certain constitutional rights, ostensibly to deal with MS-13 and two offshoots of the rival Barrio 18 gang, Barrio 18 Sureños and Barrio 18 Revolucionarios — all of which have terrorized El Salvador and made it one of the world's most violent places not at war. The declaration was meant to be temporary, lasting 30 days, but Bukele's administration has renewed it nine times. More than 60,000 people, mostly working-age men, have been arrested, while signs along roadways feature cinematic images of heavily-armed police ridding the country of "terrorists." Just as commercial fishermen trawl their way through columns of water to maximize their catch, Salvadoran authorities have rounded people up indiscriminately and with flimsy explanations.The 'world's coolest dictator' Even before authorities crushed in tens of thousands in a span of mere weeks, El Salvador's prisons were overcrowded and disease-ridden. It now tops the list of countries with the highest percentage of their populations behind bars, according to the World Prison Brief, a distinction that has been previously held by the United States. The supposed targets, MS-13 and Barrio 18, began in Los Angeles in the late twentieth century and arrived in El Salvador by way of gang members deported from the US. In 2018, then-President Donald Trump referenced MS-13 to say the US had allowed "animals" to cross into the country, and to justify draconian immigration policies. In El Salvador, the gangs have become one of the country's biggest employers, and they have cemented their power through backroom deals with elected leaders. That appears to have continued under Bukele, a former executive at a family public relations firm who was elected president in 2019 and has fashioned himself, in his ever-changing Twitter bio, as the "world's coolest dictator." Outside El Salvador, Bukele is best known for adopting Bitcoin as a national currency. A sign in the capital, San Salvador, announces the anti-gang crackdown.Fred Ramos for InsiderLast year, the US Treasury sanctioned two senior officials from Bukele's administration for cutting a deal with the gangs in exchange for support in the 2021 midterm elections — which saw Bukele's New Ideas party win a supermajority — and committing fewer homicides. What preceded the state of exception was a horrific weekend in which the gangs killed nearly 90 people. It, too, was allegedly a product of that deal: Salvadoran journalists at the investigative news outlet El Faro reported that the rampage was MS-13's retribution for a break-down in the agreement. The cooperation doesn't end there.: Earlier this year, when the U.S. federal court of the Eastern District of New York requested the extradition of MS-13's leadership to stand trial on terrorism charges, Bukele-allied judges blocked some of the extraditions. The administration then released one of the wanted gang leaders from prison, and a senior official helped him flee to Guatemala. The administration denies all this, and, so far, things appear to be going Bukele's way. Tough-on-crime stances have historically been as popular in El Salvador as in the United States. And, as in the U.S., the public is primed to believe that anyone targeted by police is guilty until proven innocent. A Gallup poll released in October recorded Bukele's public approval at 86%. Police make an arrest in San Salvador on June 14th, 2022.Fred Ramos for InsiderThe word on the street, according to family members gathered at prisons for news of loved ones, is that while local gang cliques have gone quiet, they're still out there — hiding in full knowledge of the police, whose focus is elsewhere. According to xxx, nearly 40% of the xxx murders in El Salvador since the beginning of the state of exception have been committed by police. Meanwhile, the administration has steadily eroded public access to information about who they are taking and why. El Faro obtained documents involving 690 arrests between March and April, and found that, overwhelmingly, the police are using criteria like "looking suspicious" or "acting nervous" to justify the arrests. Bukele, for his part, has breezily mentioned a margin of "one percent error." "This time, they're not coming out," he tweeted about the state of exception detainees in mid-April. The administration is building a new prison that Bukele says will house 40,000 "terrorists" who "will be cut off from the outside world." But, by terrorists, the president seems to mean people like Walber. 'Until we can embrace them'Once it became clear that Walber had been caught up in the crackdown, the Rodriguez family's hope for a quick release evaporated. By this point, they had discovered that they were not alone. All around them in Sisiguayo and the surrounding Bajo Lempa valley, people were arrested with no satisfactory explanation. The sons of two cousins who lived in a nearby community, Mario and Pablo, were among the first to be taken; their boys were handcuffed while drinking beers after a soccer game. Another neighbor was arrested even though he'd obtained and was carrying around his spotless police record, believing, wrongly, that such a thing would matter to police. He was detained holding his one-year-old in his arms.Residents of the Bajo Lempa who'd been touched by the arrests had begun meeting weekly at a nearby retreat center. There were only about a dozen attendees then, most of them trembling in fear and unable to tell their stories without crying. Now, Estefany, along with Walber's sister, Glenda, and Walber's parents, Tomas and Margarita, became the group's newest members. The group had started in April, launched by Rossy Iraheta Marinero and José Salvador Ruiz, known as Chamba  — two lay pastoral guides whose faith follows the tenets of Latin American liberation theology. They came from the same limited economic reality as their neighbors, and, in fact, they have full-time jobs and families. None of their own relatives had been detained. But they'd been stirred by the plight and compelled by their own theological solidarity practices to act. In the early days, they found that even civil society organizations that were traditionally fearless in denouncing state violence seemed reluctant to aid the so-called "terrorists." A handful of human rights organizations, principally one called Cristosal and a feminist collective in San Salvador, stepped up and, through them, the group has now filed 111 claims of habeas corpus  — a legal demand that prosecutors present their evidence against a detained person, or forfeit custody. "The families have hope that their loved ones are still alive, but they don't have certainty of that," Rossy told me. They also created a website where they posted photos of their imprisoned kin, and composed a song, "Until we can embrace them," that enshrines their suffering and their demands.   Few groups elsewhere in the country have coalesced in this way to lobby. Rossy reminds the families ofthat they are not friendless in their woe, evoking groups in earlier decades in Argentina and Mexico – and even in El Salvador itself – who never stopped agitating for justice on behalf of loved ones who had been disappeared by the state in earlier decades, leaving maps for others to follow. "A long battle" lies ahead, Rossy cautioned them in one meeting. "You have to be prepared."Outside MarionaWalber, and many of the others from the Bajo Lempa, had ended up at a prison informally known as Mariona, for the municipality where it's located. Under the state of exception, prisons were sealed off. Not even lawyers could get in. There was no protocol for finding out how Walber was doing, or if he was even alive. In El Salvador, it falls to families to help feed and clothe incarcerated relatives. Although the State provides meals to those in prison, Bukele has limited the men to two meager plates per day, as punishment. To leave supplemental food and other essentials, or to elicit a nugget of information from a bureaucrat at the prison's entrance, Estefany, Glenda, and others from Sisiguayo had no choice but to camp out outside Mariona. It's mostly men who have been arrested, and, in the first months of the crackdown, it was mostly women waiting outside prisons, by the thousands, for days at a time, sharing meals and makeshift cardboard mattresses. Everyone was taking on debt to afford the litany of expenses that follow an arrest, and some said they'd lost their jobs because they had spent so many days waiting. It was rumored that some police were offering to trade a man's freedom for sex or money.Glenda Rodriguez walks to the Mariona prison to get news of her brother, Walber Rodriguez, on June 20, 2022.Fred Ramos for Insider The jailings came so fast that Cristosal rushed to set up an online system where families could report arrests and sign up for support as they navigated the justice system. Families described traveling hours to a public defender's office and finding a line so long they lost hope of being seen. There's now about one public defender for every 200 arrests. Initial hearings include up to 500 defendants simultaneously, and Bukele has warned he'll be monitoring judges for "favoring delinquents."  If a name disappears from the register of detainees, it could mean they'd been moved to another prison, or to a hospital, or to a morgue. The country's major newspapers run regular reports of families being unceremoniously delivered the lifeless bodies of loved ones. One of the few men who'd been held at Izalco prison and then released told the Salvadoran outlet La Prensa Grafica that prisoners had been made to run barefoot in circles for hours. When one man fell from exhaustion, the guards broke his ribs, and he died eight days later, the man said. This is the kind of news the families of the Bajo Lempa live in terror of receiving. 'We fear each other again'Sisiguayo sits in the fertile valley where the Lempa river makes its final stretch through El Salvador before flowing out to the Pacific Ocean. Here, the air tastes salty and thick, a reminder of the mangrove forests and the ocean just beyond them. Homes are one-story cinderblock structures, painted in tropical greens and blues and surrounded by clotheslines, palm trees and outhouses. A communal speaker system broadcasts news and emergency alerts.A sunbaked dirt road connects Sisiguayo to the nearest highway, and along it, residents commute by bicycle or motorbike, bending around the cows, horses and dogs that loll about. Every year around November, the rainy season leaves behind deep potholes, so each family gives the share of money they can spare to pay for gas to power the construction equipment loaned from the mayor's office to fortify the road. Most young people work in shrimp cooperatives, where many tasks are nocturnal. It's a life of little sleep and hard manual labor. Night shifts start at around three in the morning. The workers return home for breakfast at about nine, and head off to a second job, like seasonal farming or bricklaying. Here, as everywhere else, the state of exception has been a financial drain. More than a dozen men from one of the shrimp cooperatives were netted in the crackdown, and what normally takes the cooperative two weeks to accomplish now takes two or three months. Roxana, another one of the Rodriguezes' neighbors, was hit especially hard by the arrests. Her two sons, a daughter-in-law and a brother-in-law had all been rounded up, as well as her boyfriend Jeremias' two nephews. Now, she spends much of her time running endless arrest-related errands. Her youngest daughter, who's 12, had to leave school to help run the family's corner store and care for Roxana's 5-year-old grandchild. Within the first six weeks, the costs ballooned to around $1000 — a small fortune that's twice the amount Roxana spent to open and fully stock her shop. By the late summer, Jeremias, is usually out in the fields alongside Roxana's two boys and his two nephews, planting corn for the family to eat. With them in prison, he had to forgo the crop this year, because it's too much to handle alone.  The state of exception "has a human cost that we still can't fully see," said Noah Bullock, Executive Director of Cristosal. "There is the torture, the inhumane treatment, the more than eighty deaths in prisons, and that's only talking about the people who are detained. Life projects that people have built slowly over generations are suddenly paralyzed and collapsed. There's the loss of income and the simultaneous expenses. The social cost of being stigmatized as 'terrorists.'" The administration seems unperturbed by the volume of blameless people it has locked up. "There will always be victims in war," Vice President Felix Ulloa has said of the state of exception. Walber's father, Tomas, at home in Sisiguayo, on June 17, 2022.Fred Ramos for InsiderThe last time state security forces were targeting the people of the Bajo Lempa, en masse and without explanation, it was in the middle of a civil war. From late 1979 until 1992, vicious US-backed government forces clashed with a leftist guerrilla movement. More than 75,000 Salvadorans died and thousands more were disappeared. A United Nations truth commission later found that 85% of the war kidnapping, torture and murder were committed by the government forces, including police and military. Walber's parents were among those fighting on the side of the guerrillas. In 1992, when they dropped their rifles after U.N.-brokered peace talks, they were given land as a way to return to civilian life. Margarita, Tomas and their neighbors came to inhabit Sisiguayo, with its rich coastal tracts, generous for fishing and farming. For Margarita, her son's senseless arrest reminded her of the state-sponsored kidnappings that had led her to take up arms. "That's what most hurts," she told me. "Now we fear each other again."  A photo of Walber Rodriguez's father, Tomas, from when he was a member of a guerrilla group during the Salvadoran civil war, hangs in his house.Fred Ramos for InsiderThe Bajo Lempa is also a flood plain, a condition that was exacerbated by poor government management of the hydroelectric dams that line the river. During repeated devastating floods in the past three decades, the people of the region, the Rodriguez family among them, lobbied and protested, even marching about sixty miles on foot to the capital to demand better dam administration. For Walber and his older sister Glenda, who were children at the time, this was an early education in democracy. The Bajo Lempa won. San Salvador committed to building the levies needed to ameliorate the annual floods, and to communicating its plans to discharge water from the dams, so the communities in harms' way could evacuate in time.Now, they are again under siege. Surf City Outside El Salvador, Bukele is best known for two things. First, his announcement, at the Bitcoin 2021 conference in Miami, that his government would "push humanity at least a tiny bit in the right direction" by adopting Bitcoin as a national currency. Second, his "Surf City" initiative along El Salvador's 190-mile Pacific coastline, where consistent eight-to-ten-foot waves in prime spots makes it one of the best surfing spots in the Americas. Everyone knows that Surf City is his, and that Bukele's target audience is Bitcoin enthusiasts and international surfers. After the apparent breakdown in negotiations between the administration and MS-13, the gangs left a message for Bukele in the form of a mangled cadaver left on the highway that connects the beaches to the capital.By June 2022, Bloomberg estimated that Bukele's crypto gamble had cost El Salvador nearly $56 million. That same month, as thousands of Salvadorans were being locked up, Surf City was playing host to the World Surf League's Championship Tour at a beach called Punta Roca. "Eighty-two degree water, no wetsuits!" thundered from the sportscaster.Nearby, cameramen grumbled to a Salvadoran surfer that they couldn't pan without a uniformed man with a rifle coming into the image.  Locals, who in theory stand to benefit from all of this, were remarking that whitewashing the entrance wall to one beach, El Tunco, and stamping it with an English name left it looking like a drive-through bank. "It was good that he saw the potential in our waves," Enzo, who runs a couple of cafes in the area, told me one evening. And promised infrastructural improvements, like finally completing a waste-water treatment plant so that businesses aren't reliant on bottled water, haven't arrived. Meanwhile, new luxury apartments with a base price of $400,000 are being marketed to crypto enthusiasts, prompting worry that excessive development will smother the area's natural beauty and put everyone out of business. It's almost as if Surf City is Bukele's Potemkin Village, thrown up to boost his standing in a handful of elite circles as he loses legitimacy elsewhere. Bukele "wants to promote the country as a place that other people can buy," said Bullock of Cristosal. "But what is his plan for the middle-aged man who has sold coconuts in Punta Roca his whole life? El Tunco already has local commerce and its own identity. Why not honor that identity?"'Dad's not working, is he?'When Walber was jailed, Estefany told their six-year-old, Michelle, that Walber had gone out of town for a job. When Estefany and Glenda left for days camped outside the prison, she said they were studying. Michelle's questions became harder to escape. When he was away working, Walber usually sent a flood of adoring messages to his daughter on Estefany's phone, but this time, there were none to show. Before ten days had passed, Michelle cornered her mom: "Dad's not working, is he?"  At six, Michelle is absorbing that her life is built on shifting sands — a father in prison, a mother who might withhold the truthcapable of deceiving her. Estefany tried to explain, saying, "The authorities make mistakes." But it's just another tectonic lesson for a child. Walber and Estefany have known each other since they were kids and they've been partners for years, but it was only last year that they finally got married. They were the first in the family to have a real wedding, and Glenda remembers how they both giggled when they asked her to save the date — Dec. 17. Graduation photos of Walber Rodriguez, left, and his sister, Glenda Rodriguez, right, at the family house in Sisiguayo.Fred Ramos for InsiderEstefany's dress, which Glenda and Margarita helped her choose, was the color of red wine and had a sparkling brooch at the bosom. Walber had splurged on a new oxford shirt, jeans, and white tennis shoes. He also surprised Estefany with a wedding ring, which he had secretly saved for months to buy. It was a luxury she had never imagined. The cake, a single-tier white sphere adorned with fruit, held the children rapt until it was time to dig in. When Glenda thinks about the politicians and the police who get to return home to their families at night, so easy in their freedom, it fills her with rage. They can't even begin to comprehend what they have stolen from their people.'No one else will defend him but us' The retreat center where the families met every week was a thirty-minute crawling drive down the potholed dirt road from where Walber was arrested. In late June, 54 days after Walber's arrest, three-dozen of them sat as they usually did, in a circle of plastic chairs in an open-air pavilion, roofed in ceramic tile and ringed in a garden of carefully-manicured green.Rossy stood in the middle of the circle, wearing flip-flops and a white tunic embroidered with flowers, calling on people to speak. Chamba kept a notebook propped between his thigh and the arm of his wheelchair. The families were debating: Should they stay the course, and pursue their habeas corpus claims in court? Or was it time to take to the streets? The habeas corpus route had been Rossy's idea. Back in 2020, right when COVID-19 upended global travel, Rossy was in Ecuador at a theological conference. Bukele was about to close the borders and implement some of the most restrictive pandemic measures in the world. She managed to get onto the last flight into the Salvadoran airport and ended up at a quarantine center for six weeks. Desperate for a way out, a lawyer friend advised her to file a habeas corpus claim. It worked – she was released. Now, it's a tactic that more than 1,800 other Salvadorans across the country have also used since March, but to little effect since the administration has wrenched the legal system into its orbit, forcing many judges to retire and intimidating the rest, along with flooding the system with many times more defendants than it can handle. Members of the group have been harassed by the police, and there was always concern that cops might show up in the middle of the meeting to arrest everyone. One woman who had started attending after her husband was arrested was then herself arrested. Now, the neighbors couldn't agree on what was best. The state of exception allowed the police to detain anyone for any reason. If they protested and ended up incarcerated alongside their loved ones, who would defend them then?  People clamored to speak. Rossy called on a gray-haired man in a cowboy hat. He was one of the many who had spent consecutive days and nights on the street outside Mariona, where his son was being held, and while there, he heard rumor that the guards take vengeance on prisoners whose families caused trouble out front. He rose slowly, and then stated his firm opposition to any public action. He reminded the group that it wasn't only themselves who would pay the price for protesting. When he took up arms in the civil war, he said, it was his own life he was putting at risk. But now, any action might put his son's life at risk. When he finished speaking, Glenda – who, at 28 years old, was among the youngest group members – raised her hand. "I may not have as much life experience as many of you. And I didn't live the war fighting in the mountains like many of you did," she began. But, she continued, she did know that all of El Salvador's civil rights victories, including democracy itself, were the product of struggles on the street. She too had camped outside Mariona, and she had learned that viral malicious rumors appeared on social media as part of an attempt to silence families. A meeting of the Bajo Lempa families on June 17, 2022.Fred Ramos for Insider"If the state is going to kill my brother, it will do so whether or not I speak out. If it will incarcerate me – the same is true," she reasoned. "No one else will defend him but us." Finally, there was simply the value of the truth: "The president wants to make this country look like a wonderland, like everything is Surf City," she said – but the world needed to know what was really happening in El Salvador.  The group ultimately decided that Glenda was right: it was time to take the streets. And just as each Bajo Lempa family had discovered that they were not alone when they found the group, now they saw there were hundreds of families around the country who, like them, were ready to march in San Salvador. They began regularly joining the others in the capital to protest and speak to the media, while continuing their habeas corpus petitions. Just before Christmas, the families of the Bajo Lempa packed a bridge on a main thoroughfare and demanded their loved ones be freed. For now, the Bukele administration remains unmoved. The group is now planning to sue their government in an international human rights court.One day last summer, before anyone comprehended how long this would last, Roxana told me something that multiple women in the Bajo Lempa echoed: Since her children were detained, she has been dreaming of them. In one dream, she was sitting at home in the dark, and one of her three sons walked through the front door. He paused in the threshold. She thought it was Cristian, the only one who has not yet been taken. But when he stepped out of the shadow, she saw that it was Javier, her youngest. He was dressed just as he had been on April 27, the night the police hauled him away. She called to him – and then the dream ended. "As a mother," she said, "you wake up to a nightmare."This reporting was supported by the International Women's Media Foundation's Howard G. Buffett Fund for Women Journalists.Read the original article on Business Insider.....»»

Category: topSource: businessinsiderDec 27th, 2022

Four Ways AI Is Helping Businesses Keep Up This Festive Season

With just a few weeks left of the year, and the festive season now in full swing, online sellers and retailers are becoming more intrigued with artificial tools as a way to help them leverage the digital advantage as consumer demand soars. Amid ongoing economic uncertainty, including higher-than-anticipated inflation, supply chain constraints, and changing consumer […] With just a few weeks left of the year, and the festive season now in full swing, online sellers and retailers are becoming more intrigued with artificial tools as a way to help them leverage the digital advantage as consumer demand soars. Amid ongoing economic uncertainty, including higher-than-anticipated inflation, supply chain constraints, and changing consumer sentiment – online retailers have been seeking innovative technologies to help them cope with macroeconomic challenges. if (typeof jQuery == 'undefined') { document.write(''); } .first{clear:both;margin-left:0}.one-third{width:31.034482758621%;float:left;margin-left:3.448275862069%}.two-thirds{width:65.51724137931%;float:left}form.ebook-styles .af-element input{border:0;border-radius:0;padding:8px}form.ebook-styles .af-element{width:220px;float:left}form.ebook-styles .af-element.buttonContainer{width:115px;float:left;margin-left: 6px;}form.ebook-styles .af-element.buttonContainer input.submit{width:115px;padding:10px 6px 8px;text-transform:uppercase;border-radius:0;border:0;font-size:15px}form.ebook-styles .af-body.af-standards input.submit{width:115px}form.ebook-styles .af-element.privacyPolicy{width:100%;font-size:12px;margin:10px auto 0}form.ebook-styles .af-element.privacyPolicy p{font-size:11px;margin-bottom:0}form.ebook-styles .af-body input.text{height:40px;padding:2px 10px !important} form.ebook-styles .error, form.ebook-styles #error { color:#d00; } form.ebook-styles .formfields h1, form.ebook-styles .formfields #mg-logo, form.ebook-styles .formfields #mg-footer { display: none; } form.ebook-styles .formfields { font-size: 12px; } form.ebook-styles .formfields p { margin: 4px 0; } Get Our Activist Investing Case Study! Get the entire 10-part series on our in-depth study on activist investing in PDF. Save it to your desktop, read it on your tablet, or print it out to read anywhere! Sign up below! (function($) {window.fnames = new Array(); window.ftypes = new Array();fnames[0]='EMAIL';ftypes[0]='email';}(jQuery));var $mcj = jQuery.noConflict(true); Q3 2022 hedge fund letters, conferences and more   And this comes in good part on their side as well, as retail sales have been increasing for more than two decades, growing 7% in 2020 and 14% in 2021 according to the National Retail Federation (NRF). In the same breath, it’s estimated that sales will grow between 6% and 8% this year, accounting for more than $4.9 trillion. Despite consumer shopping behavior steadily returning to normal after the recent pandemic, a majority of consumers are steadily moving to online shopping as it seeks to be more convenient, and in some instances more affordable. Recent figures provided by Statista showed that about 57% of U.S. consumers intended to shop online during the holiday period between 2021 and 2022. This is still marginally higher than the 43% that plan to visit stores or on-site shopping centers for their holiday shopping. Following tumultuous economic activity and a changing consumer market, businesses are now increasing their interest in artificial intelligence (AI) hoping it would help them cope under the pressure of soaring shopper demand over the festive period. Improving Delivery And Shipment Over the holiday season, online orders for goods and other services tend to increase significantly, leaving online retailers the hard job of maintaining increased logistical administration. Though a relatively new innovation in the field of logistics, artificial intelligence is now enabling companies to have an open line of communication with both despatchers and clients at the same time during the shipment process. Additionally, it’s become more feasible for them to engage directly with those involved in the supply chain to monitor inventory tracking and manage an estimated time of delivery for specific goods. Finally, with AI online retailers can become more transparent through interactive maps and on-demand updates about customer orders and shipments. Enhancing Customer Experience Customer experience and interaction are crucial for online retailers, as they have limited interaction with the customer, as they would’ve had with on-site or brick-and-mortar stores. With AI it’s possible for online retailers to continuously monitor and track customer movement across websites, and analyze which products or services are more favorable than others. At this point, AI has also become a way to help see whether certain elements or actions on a website are working at a full capacity majority of the time. When a system is not properly functioning, or customers are experiencing an error with a certain action, AI will be able to flag it down immediately and notify the website owner, or the domain operator. Building More Personalized Content Digital content has become one of the best ways businesses and online retailers have been effectively communicating with their marketplace. Through targeted ads via social media and email marketing, it’s possible for companies to directly target the customers they want to attract to their online store. At the same time, with personalized content, businesses are sure that they are targeting the right crowd of clients and using these metrics to further develop a more profound digital marketing strategy. Personalized content has become a more measurable way for businesses to monitor their retention rate, and how well their content is performing within the marketplace of consumers they want to attract. Creating More Promotional Initiatives Consumers are constantly on the prowl for the best prices and promotions, and during the festive season, it’s even more important for online retailers to offer their customers a promotional incentive that helps to increase brand awareness, but also boost company profitability. Using AI, businesses can establish initiatives that will be directly targeted to the right group of consumers in the marketplace, while at the same time presenting them with promotional initiatives such as special deals, sneak peeks, or early shopper discounts. Whatever it may be, or the length to which it may stretch, through AI it’s possible to measure the success and return rate of promotional initiatives. Through email marketing, businesses can create a virtual wheel, whereby customers are shopping online, receiving discounts after their first purchase, but would then be permanently included in the email list and promotional content. The Bottom Line Artificial intelligence has changed the way we consume and spend our money and during the festive period, when more consumers are shopping online than ever before, small businesses should look into the several unique and profound ways AI has helped other organizations to cope with increased online consumer traffic......»»

Category: blogSource: valuewalkDec 21st, 2022

Buying a car is finally easier — but watch out for high interest rates and lingering inventory issues

The used car market is turning in shoppers' favor for the end-of-year car-buying season, but you still shouldn't expect things to be easy. Industry experts offer a few tips for car-buying this season.David Zalubowski/AP Images Lots of shoppers have car-buying on their mind as the end of the year approaches. Experts say it's a better time to buy than last year, but there are still things to look out for. Interest rates are defining this year, experts say. If you're in the market for a new or used vehicle before the end of the year or early 2023, industry experts have tips to get the car you want at a decent price.This time in 2021 was a terrible time to buy a car, but now the tides have turned a bit. Easing supply chain crises mean more vehicles on lots, used vehicle prices are down, and demand is normalizing. That's left 57% of consumers either ready to buy or with a model in mind, according to a cars.com survey.But there's a new ghost haunting this end-of-year buying season: skyrocketing interest rates, experts say."You're not having to compromise in every which way, shape and form," Ivan Drury, Edmunds' senior manager of insights, said. But, "Today's interest rates are so high that it has become cost prohibitive in a way we've never seen before."What you can do about sky-high interest ratesUnfortunately, the answer is: Not much."There's really not a lot of ways to escape them unless you are willing to change the car that you're buying," Drury said. "On top of that, you're probably looking at monthly finance terms of 36 and 48 months versus what most people want to do, 5 to 6 years," he added. That'll likely lead to more people delaying their purchase. But the backlog of people who've already been putting off their vehicle purchase since early in the pandemic might have no choice but to shop right now, which will keep demand steady. Because of that, "I don't know when it'll let up for anybody until inventories for new cars get so high, the automakers decide to bite the bullet and just throw out incentives," Drury said.  New cars are more expensive than ever The average new vehicle transaction price hit a record high of $48,681 in November, according to Edmunds, and luxury buyers were willing to pay up to $67,050. Drury still expects an end-of-year luxury push, but at a cost."BMW, Mercedes, Lexus, Audi — they don't really have finance deals anymore," Drury said. "That's just making these monthly payment numbers even more shocking."Even without the widespread inventory shortages that dealerships saw throughout the worst of the pandemic, car-buyers are still paying above sticker price for non-luxury vehicles."If you look at the lower price ranges, really anything $50,000 and below — which is still not a small amount of money — there are still premiums," Drury said. "They're still seeing people pay $1,500 extra for just a basic sedan."A Toyota dealership in Florida.Joe Raedle/Getty ImagesWhat new cars to look for"If you're not buying a luxury car or an electric car, you may be in a much better position in terms of the price,"  Brian Moody, executive editor at Kelley Blue Book, told Insider. As far as luxury cars go, there aren't many deals to be found, he added. "Maybe looking for something that's off the beaten path, not a full-size pickup, not an SUV, not a minivan — maybe something like a sedan or a hatchback is a way to get the features that you want, but at a lower price," he said.Used cars are displayed on the sales lot at Marin Acura in July 2021.Justin Sullivan/Getty ImagesPlan to move quickly and consider usedVehicles are still moving quickly, Zack Krelle, industry analyst at TrueCar, said.He recommends doing your research on what model is best for you ahead of time. "Be as educated and prepared as you can ahead of time to kind of avoid those scenarios where you get excited about a vehicle and it turns out it's sold before you can arrive at the dealer to go see it," he said. Some brands are sitting on more inventory than others. Ford, Chevrolet, Ram, and Jeep had about 300,000 vehicles advertised for sale in early December, according to data from S&P Global Mobility.Among luxury brands, Mercedes-Benz and Lincoln still showed the most remaining 2022 vehicles in dealer advertised inventory.Car-buyers might find a used vehicle could suit their needs while they hold out for lower prices surrounding new vehicles. "If you're looking for a new vehicle," Krelle said, "you might have an opportunity to find a used vehicle that could be a good fit for your budget and your lifestyle for a while." Read the original article on Business Insider.....»»

Category: personnelSource: nytDec 16th, 2022

Transcript: Kathleen McCarthy

     The transcript from this week’s, MiB: Kathleen McCarthy, Global co-head of Blackstone Real Estate, is below. You can stream and download our full conversation, including the podcast extras on iTunes, Spotify, Stitcher, Google, YouTube, Bloomberg. All of our earlier podcasts on your favorite pod hosts can be found here. ~~~ ANNOUNCER: This… Read More The post Transcript: Kathleen McCarthy appeared first on The Big Picture.      The transcript from this week’s, MiB: Kathleen McCarthy, Global co-head of Blackstone Real Estate, is below. You can stream and download our full conversation, including the podcast extras on iTunes, Spotify, Stitcher, Google, YouTube, Bloomberg. All of our earlier podcasts on your favorite pod hosts can be found here. ~~~ ANNOUNCER: This is Masters in Business with Barry Ritholtz on Bloomberg Radio. BARRY RITHOLTZ, HOST, MASTERS IN BUSINESS: Strap yourself in for this one, it’s absolutely fascinating. Kathleen McCarthy is the global co-head of real estate for private equity giant Blackstone. She and her team manages over $565 billion in real estate assets. And if you are at all interested in commercial real estate, residential real estate, logistics, warehouse, laboratory and medical facilities, multifamily and apartments, offices, on and on in the U.S., in Western Europe, in Asia, India, Japan, this is just a tour de force education on how to invest in global real estate. Blackstone has been in this space for over 30 years, according to their 10-K filings, their opportunistic fund is up 16 percent a year over those 30-year periods. That’s really an astonishing return. Kathleen has been with Blackstone since 2010. And I just can’t say enough as to how absolutely fascinating and knowledgeable and intriguing this conversation is, that you won’t hear the gaps between her answers and my questions because we edit that out. But she answers a question, I’m just sitting there dumbfounded by how she’s just like, oh my God, that’s just an absolutely comprehensive explanation about something I had no idea about, and now I feel like I really know. I don’t even know where to begin other than saying strap yourself in, this is monster podcast. My conversation with Kathleen McCarthy, global head of Real Estate for Blackstone. Kathleen McCarthy, welcome to Bloomberg. KATHLEEN MCCARTHY, GLOBAL CO-HEAD, BLACKSTONE REAL ESTATE: I am so excited to be here, Barry. RITHOLTZ: So I’m excited to have you here because, wow, what perfect timing to talk about real estate, just towards the end of the year, rates are going higher, real estate prices are getting a little wobbly, and I have a million questions about all of that. But before we get to that, let’s talk a little bit about you and your background. You started your career doing M&A at Goldman Sachs. Tell us a little bit about that experience. What was that like? MCCARTHY: I’d back up actually a little bit further in thinking about how did I get there, because I don’t think it was very obvious actually that I would come out of Yale with an ethics, politics and economics degree — RITHOLTZ: Perfect really, right? MCCARTHY: — and end up in M&A on Wall Street. But so much, of course, for all of us probably comes back to those formative years with our families. And in my house, I was the eldest of three girls. My mom was a high school science teacher in our public high school, and my dad worked for a cosmetics company, Avon Products, you know, like the Avon ladies. RITHOLTZ: Sure. MCCARTHY: And so for most of my life — I mean, really, for all my life that I remember, his company — and if I would go to visit, they’d have things on the wall that says the company for women. He routinely had women who were his managers, his bosses, and there was a female CEO for a really long period of time. And so as people were thinking about, okay, what do you do after college? I was thinking any number of things and mostly that I didn’t really know what I wanted to be when I grew up, but I was not kind of at all informed by, you know, gender norms that people asked me a lot about now, in particular how do you know a woman, how did you think about ending up in this thing? RITHOLTZ: So how did that color, what you focused on at college, and how you molded your career? MCCARTHY: Well, I thought about — when I thought about college and what I did there, and why I selected going to Yale, it was largely, I think, the start of me recognizing that I’m a person who loves to learn, and loves to just keep expanding skills. And so I, in college, did a lot of reading and writing and thinking. It’s what you do, I guess, with a liberal arts degree. RITHOLTZ: Sure. MCCARTHY: And then when I was going to Goldman, there were a couple of objectives, I guess. One was you wanting to be able to pay for my life in New York and pay off — RITHOLTZ: And pay for your tuition. MCCARTHY: Pay off student loans. Exactly. And then also build a set of skills that could be used anywhere. And I wasn’t, at that point, sure if I would end up in a corporate role, or I would end up, you know, in the Peace Corps or something like that. And so, what investment banking I thought offered and I’d say, ultimately, really delivered was an experience where you could learn a ton of different analytical skills, writing skills for business context, persuasion skills, you know, the opportunity to be in a boardroom watching senior professionals, whether it was the chairman of the board, or the CEO of the company, or the investment banker leading your deal, getting to ideas and outcomes that were influenced based on information. And so I felt that my experience doing M&A at Goldman gave me this whole stable of skills that set me up for really just about anything. RITHOLTZ: And how did you shift into real estate principal investment at Goldman Sachs? That seems like a big leap from traditional M&A? MCCARTHY: Well, I would say that probably the vast majority of folks who are in my analyst class at Goldman, particularly in the merger group, when they were looking for their next thing to do, we’re looking more towards private equity, more traditional private equity, kind of like what my colleagues in our BCP team do, which is investing in companies. Some people maybe were going to hedge funds as well. But I’d say, overall, folks are more kind of corporate-oriented, you know, investing in companies. And for me, that was interesting. I definitely wanted to gain investing skills. I found one of the things that was a little unsatisfying as a merger banker is you’d work on a transaction, you’d help a company buy something or sell something, or merged with another business. But then you really never knew whether your model was at all close to accurate. How did it work out ultimately? All of the things you thought were going to happen, did it ultimately happen? And so I wanted to be part of that kind of follow-through, and that’s why moving to the investment side was interesting to me. But I would say when it came to kind of what part of investing, I think being a merger banker did inform what I wanted to do next. Because when you’re doing that, every day, you’re interacting with different clients in different industries and having to learn a whole new set of vocabulary, whole new business. And I thought, you know, if I want to start to be a great investor, and in particular, I didn’t know this term at that time, but you know, Steve Schwarzman refers to it as pattern recognition. Great investors are really great at pattern recognition. I want to start building that — building expertise. I felt I wanted to move into something that was still large and wasn’t going to pigeonhole me or pigeonhole me at a very young age in my career, but where I could be working in and out of a common vocabulary that could apply across all kinds of geographies and asset classes. And real estate offered that. I’d also say, you know, interestingly, when I was going to interviews at different private equity firms or different real estate firms, it was noticeable that in the real estate brochures of those companies, there was a huge amount of diversity in the kinds of people that worked at these firms. And it was all sorts of dimensions of diversity, including kind of the nature of people’s degrees. You had people who never had a college degree, folks who were architects, folks who were lawyers, folks who had a more traditional MBA. And what I found was these were all people who were really interested in participating in a people business ultimately, which is where do people live and work and shop, and you had great cities come together and things like that. And I really wanted to be attached to those kinds of those people, and they’re passionate about what they were doing. RITHOLTZ: So let me engage in a little bit of pattern recognition. M&A, the success of a deal depends on that structure, the price paid, how it is structured in terms of upfront costs, ongoing costs, what you’re getting. And real estate, in many ways, especially commercial real estate, kind of parallels that thing. What are you paying? What’s the structure the deal? How is it financed? Am I oversimplifying, or is that a fair comparison? MCCARTHY: No. I mean, again, there are so many things that carry over from one thing to another. And interestingly, I’m happy to come back to these things I learned in helping companies through mergers, particularly around things like communications and shareholder relations, and employee engagement that have now served me really well, couple decades later in my career. But I’d say those are all similar things, whether you’re talking about, you know, companies that make something, or companies that own real estate or real estate assets. And I’d say when I think about Blackstone and how we work on our transactions and what has served us so well over time, it certainly has to do with buying great quality real estate and the price we pay for it. Big part of it also, though, is the capital structure you set up. RITHOLTZ: Right. MCCARTHY: And is it able to withstand anything that can come your way, including tough environments that you might not control? RITHOLTZ: So I’m glad you mentioned that because before we get to 2010 when you moved to Blackstone, let’s talk about a tough environment. You’re at Goldman Sachs, in the real estate division, in the middle of 2008, 2009, right through the worst of the financial crisis. So I have to ask, what the hell was that like? MCCARTHY: Well, it was definitely a difficult time. I’m not laughing out of joy, but out of, you know, kind of — RITHOLTZ: Listen, it’s a — MCCARTHY: — it’s always at least stunner when I think about it. RITHOLTZ: Can I tell you all of us who were in markets and real estate and derivatives and trading, and anything who survived that baptism of fire, people have told me stories that they came through that and that affects you the rest of your career, that colors — it leaves a mark and colors you forever. MCCARTHY: Yeah. Well, I would say I feel like in the first decade of my career, I actually had two somewhat similar experiences in that way. Because, remember, I came out of college three months after dot-com bubble burst. So I was sitting at graduation, and classmates were getting emails saying their offers were rescinded because their company was going out of business. And I went from, again, this merger group at Goldman which was focused only on the biggest possible deals to working on what were relatively small transactions, but for important clients. RITHOLTZ: Right. MCCARTHY: And by the way, you know, for me, again, with the learning agenda, there’s learning in all of that. But environments change quickly, and whether it’s the investment you make, or you personally, it’s your ability to kind of keep putting one foot in front of the other and move through that. 2008 through 2010 was a particularly tough and very formative experience. And I would say there are so many important lessons learned for me. One, as an investor, the importance of buying super high-quality assets, putting resilient capital structures in place, having access to reserves, so that in a moment where you need to invest more capital in your transaction or where you need to, we have an opportunity, I should say, to buyback debt at a discount. And being able to capitalize on those kinds of opportunities is so important. And frankly, we didn’t have all those opportunities, and we hadn’t set ourselves up as well at — RITHOLTZ: Really? I’m surprised to hear that. MCCARTHY: — at Goldman. Blackstone, meanwhile, we’ll get to that, had, and that’s a big part of how Blackstone has been set up for so much success in the decades that followed. But I would say — RITHOLTZ: Let me interrupt you one sec. MCCARTHY: Yeah. RITHOLTZ: So everything you described are the sorts of things that you would imagine, everybody should be prepared for does. And I’m kind of surprised to hear that one of the largest and savviest shops on the street kind of wasn’t prepared for it. Is that the sort of thing that the lesson we learned from it? Is that the takeaway? Obviously, Goldman has so many different moving parts, and the derivatives group on that side might be working across purposes with long-term real estate investment on this side. So hold that aside. But is the takeaway from the financial crisis that you have to be resilient, you have to have reserves, you have to purchase assets that are robust enough that they can withstand a beating, and you have to have enough dry powder that when these opportunities come along to buy high quality assets at distressed prices, you have to be ready to jump? MCCARTHY: I think you pretty much have it, Barry. I mean, I think about, for example, Blackstone’s track record. We’ve been investing in real estate for over 30 years. And then our opportunistic funds, so these are the funds where we’re trying to generate higher returns for customers in a relatively short hold period for the assets we buy for them. We’ve had 16 percent net returns on all of the capital we’ve invested over 30 years. RITHOLTZ: 16 percent annually, net of fee? MCCARTHY: Net IR — net of fees. RITHOLTZ: Are we going to get a red flag from a compliance, or is that an official statement we could use? MCCARTHY: It’s in our public statements. RITHOLTZ: Oh, that’s — so — MCCARTHY: It’s our opportunistic real estate strategy. RITHOLTZ: 16 percent per annum net of fees 30 years. MCCARTHY: Net of fees over 30 years. RITHOLTZ: That’s an amazing return. MCCARTHY: It’s an amazing return. And when you look across that and what I always think about is there were a lot of different kinds of environments we were investing in, things that felt great, things that felt really terrible, things that felt good when we bought real estate and didn’t feel so good a couple years later perhaps. But what you just touched on is what I think is most important, you can’t control the environment you’re in, but you can control the decisions you make leading up to that and through it. RITHOLTZ: That’s good. MCCARTHY: And the things that I think really distinguished what we were able to do at Blackstone and what got us to the other side of the financial crisis in a way most real estate investors did not were these things; good assets, resilient capital structures, access to reserves, access to new capital to go on the offensive, and take advantage of moments where there’s distressed pricing for our customers. RITHOLTZ: So you’re at Goldman and you’re looking around at the end of the financial crisis, and you’re aware of, hey, we missed opportunities here. This could have been a little tighter. This could have been a — and you run into Blackstone, and it’s like, wow, these guys — I wish we had that where we were, how do I get involved with that? MCCARTHY: It’s interesting. It was a little — it came out I think a little differently than that. I would say is I had an amazing experience at Goldman, including, I’d say, the learnings that I had an opportunity to access through the financial crisis. And particularly getting those learnings at a relatively early part of my career I think is so important. What really got me thinking about doing something different was just, you know, was continuing to learn? Was there a will to keep investing in real estate, having had some of those traumatic experiences as a firm? And I felt like I wanted to make sure I was in a place where I personally was not treading water, and I had an opportunity to keep learning. And I knew that I wanted to continue to be in real estate, I was not sure exactly in what aspect. And I was actually quite surprised when Blackstone reached out to me about a role to work with institutional clients and do capital raising and investor engagement. And I was surprised, mostly, because I had no experience with that at all. I had come at Goldman, almost all of our capital had come from high net worth clients. Also, I had done acquisitions. I didn’t have investor experience, really. And what Blackstone was just kind of, I think, looking at it a little differently and saying, if there’s a person who understands real estate and can understand markets, but also can you help our clients understand better, what are we doing with their capital, or if they’re not yet a client, why — RITHOLTZ: Should they be? MCCARTHY: — is what we are offering compelling? There could be an interesting match there. And I think just generally feeling like we — and probably our performance was strong for the financial crisis. We were able to open doors and keep open doors with clients. But it was all about stewarding those relationships, and how do we do that better. And so what got me ultimately really excited about the Blackstone opportunity was not so much that I had any confidence that I want to do investor relations, or you know, that was going to be my long term career destiny. It was that I wanted to work with these people who were really focused on doing a great job not only through the investments they made, but through the interactions they created with their clients. And I felt like that move would allow me to continue to learn and grow, and frankly, diversify my skill set so I’d be better set up to be a leader in a bunch of different capacities in the future. RITHOLTZ: So let me ask you a very obvious question. You shift from high net worth individuals. And no matter how high net worth they are, they’re individuals. They react to markets. They can be emotional. I remember, I have a vivid recollection in the midst of the financial crisis, the news flow was just really — and we were on the right side of it, but it was so relentlessly negative. Even people making money in the downturn were unhappy of it. And then you shift to institutions that have a much longer time horizon and a very different headspace, even though there are individuals at those various endowments, institutions, what have you. How does the energy and the vibe and the conversations change? Is it still people are people and they’re freaking out? Or, hey, we have a perpetual lifespan, and so we don’t care about next quarter, we care about next century? Am I exaggerating or — MCCARTHY: Well, I would say I think for all investors of any type, whether it’s size, or whether you’re an individual investor, or institutional investor, really what matters most is performance. In the end, and especially we as a manager, if we can show up and say we continue to generate great performance on your investments, it could be any kind of client on the other side of the table. That is what’s most important. RITHOLTZ: That itself is a lot of pain. Yeah, I can imagine. MCCARTHY: That is what’s most important. I think, from my perspective, the biggest difference, and this may evolve over time, but the biggest difference between an institutional client so that state pension plan or charitable foundation or university endowment versus an individual investor, I think, for the most part, institutional investors have decided that they want and need real estate to be a core position in their portfolio in and out of cycles. RITHOLTZ: Right. MCCARTHY: And that’s because real estate in strong economies can generate a basically very strong alpha in weaker times or in an inflationary environment we’re in right now. For example, as a real asset, a hard asset, it preserves value as cost to replace those assets go up. It’s a cash flowing asset where you can remark your rents to market in a rising cost environment. And so I think those institutional investors are really committed to real estate. Individual investors, for the most part, have not yet determined that real estate is something they want to need to leave as core to their portfolio in and out of cycles. I think that is changing. And I think in particular, when you look back to environments similar to what we’re in now, where you see rising interest rates, persistent inflation, you think about how well real estate has performed in those moments. I think individual investors are starting to appreciate, you know, how attractive this is as a part of their portfolio. But that is a different kind of approach to portfolio construction. RITHOLTZ: And for individual investors, I always run into the — when we discuss real estate, I find I have to say stop focusing on individual homes. That’s just one tiny aspect of real estate. You have to think in broader longer terms and commercial sides, not your neighbor’s house sold for $30,000 less than expected. Let’s talk about warehouses. Let’s talk about farmland. Let’s talk about things that it doesn’t matter necessarily what the economy is doing. People got to eat. Goods are still being moved around the country. MCCARTHY: A 100 percent. I mean, I think separating the for sale residential market from for rent commercial real estate, including rental apartments is so important. These are different things. And I think you can’t just mark what’s going on in the single family for sale housing environment with what might be happening in warehouses, or rental apartment complexes, or office buildings, et cetera. RITHOLTZ: Quite fascinating. (COMMERCIAL BREAK) RITHOLTZ: So let’s talk a little bit about your team that you run, how large is the real estate team at Blackstone? MCCARTHY: The real estate team at Blackstone is about 900 people globally. RITHOLTZ: Wow. That’s a big chunk of the firm. MCCARTHY: It’s a big chunk of the firm. And I think what actually that understates is the impact we have through all of the portfolio companies we own in our funds. So we own 55 portfolio companies, and that really forms a huge extension of what we’re able to do, and then also see in terms of people on the ground across the world operating in specific real estate sectors, and then sending back the information they’re working with every day. RITHOLTZ: So when you say portfolio companies — MCCARTHY: Yup. RITHOLTZ: — I immediately think of like Vornado, or are you talking about specific privately held companies who themselves own lots of various commercial real estates? MCCARTHY: So these are specific privately held companies by our funds, and these are companies that for the most part, we own and control 100 percent of the company. RITHOLTZ: Oh, really? MCCARTHY: And sometimes we buy companies and then continue to help grow them by new asset acquisitions, or just growth in their cash flows. In other circumstances, we will build up companies through a series of smaller acquisitions. So an example would be in the U.S., we’re one of the largest owners of warehouse properties. We have a company called Link Logistics and owns about 400 million square feet of warehouses. RITHOLTZ: Wow. MCCARTHY: That is a company that we have built through a series of acquisitions. We identified a world-class management team, and we said we want to build a great company. But we’re not doing it through just kind of one acquisition of one company, we’re going to build it up through a series of transactions. RITHOLTZ: And the idea is as things grow, there’s massive economies of scale and expertise. And what might have been a reasonable investment at 1x, when it becomes 100x, it becomes a very, very different experience. MCCARTHY: I would say yes. And I think one of the things that’s so important about the scale of these businesses and the scale of our business together across all of these companies and our funds is that we have a huge information advantage. We get data real time proprietary to us constantly, coming off these businesses, and it really helps us make better decisions that you otherwise would be able to do if you didn’t have access to this. And so rather than wait for a research report to tell us what’s really happening in apartment rent growth or in new leases for warehouses in Northern Europe, we’re getting those data points real time. And that can help us inform on whether we’re going to buy more of something, want to sell something, pivot how we’re managing assets. And those are all just important decision-making tools for us. You know, so much of what our work is, is not just mine real estate, but it’s all about what is the value we can create? How can we grow cash flows? Most of the time how you make money in real estate is growing the cash flow. And those data points coming from all across the world in what’s really happening in these assets, how are our tenants making decisions, help inform those strategies as well. RITHOLTZ: I have heard from a variety of different companies that their internal data creation and analytics is just a huge thing. It used to take like a year or two, you get reports out back from the field, what’s selling, what’s not selling, what’s rising? Now, it’s almost real time. It’s almost instant. MCCARTHY: Yeah. We definitely benefit from that. And I think we have the good fortune that there’s been a heritage kind of from day one of using insights that we uniquely have access to. And the technology, infrastructure around that has definitely improved. It’s needed to improve at our scale for us to really be able to use all that information. But I think, you know, even just 12 or so years ago, wh.....»»

Category: blogSource: TheBigPictureDec 14th, 2022

The 25 best subscription boxes that make great holiday gifts

From tea and snacks to games and books, these are the best subscription boxes you can buy as gifts for yourself or someone else in 2022. When you buy through our links, Insider may earn an affiliate commission. Learn more.Winc WineYou can find subscription boxes for pretty much anything, but they're most useful for the things you actually use and enjoy regularly. Whether that's razor blades for your daily shaving routine or books to read before bed, a subscription box helps automate the process for buying and receiving products so you have more time to use them. Subscription boxes can also help you discover new brands and items in an arena you're already familiar with. Or you can test a new hobby. Plus, subscription boxes are great for gifting. You can give someone a way of discovering new wine or trying out different perfumes for three months to a year.If you do change your mind, all the following services make it easy to skip a month's shipment or cancel your subscription.Best wine subscriptionConnie Chen/Business InsiderSubscription frequency: Every monthShipping fee: $9 for orders of three bottles or fewer; free for orders of four bottles or moreA la carte shop: Yes Gifting available: YesWinc's straightforward ordering process, on-trend wine curation, and reliable shipping make it the best online wine club we've tried in the last few years. If you're interested in a wine subscription for convenience but also to expand your palette, Winc offers informative resources, easy-to-digest bottle descriptions, and a community ratings system. Winc delivers wine every month, but it's easy to adjust your membership to skip automatic shipments. Although it matches you to wines that it thinks you'll like based on your profile of tastes and preferences, you can also customize your shipment and browse Winc's complete catalog of varietals from all over the world.Runners-up: Firstleaf, for affordable wine and big discounts ($89.94/month)Plonk, for natural and biodynamic wines ($110/month) Read more about the best wine subscriptions we tested in 2022. Read our reviews of Winc and Firstleaf.Best coffee subscriptionTradeSubscription frequency: Every 1, 2, or 4 weeksShipping fee: FreeA la carte shop: YesGifting available: YesTrade is where you can order top-quality coffee from cool roasters all over the country, like Verve (Santa Cruz, CA), Cuvee (Austin, TX), and Huckleberry (Denver, CO). If you immediately seek out the local specialty coffee shop when you travel to a new city, then Trade's the best coffee subscription for you. All you have to do is tell Trade about how you take your coffee and it'll show you the best coffee you should be drinking every morning. It'll also provide the roaster's schedule for roasting and when your bag was roasted.Runners-up: Driftaway, for sustainability-focused, single-origin coffee ($19/shipment)Atlas, for exploring the global coffee scene (from $9/shipment, currently on sale for $4/shipment)Read more about the best coffee subscriptions we tested in 2022. Read our reviews of Trade, Driftaway, and Atlas.Best tea subscriptionSips BySubscription frequency: Every monthShipping fee: FreeA la carte shop: YesGifting available: YesSips by is a personalized tea subscription that sends you four different teas (enough to make at least 16 cups) every month, so your tea rotation always stays new and exciting. You'll get to explore teas from big and familiar brands as well as local tea shops and farms and choose from loose leaf, bagged, herbal, and caffeinated teas. If you weren't already familiar with all the benefits of tea, how to steep your tea, and the differences among all the tea types, Sips by shares plenty of educational resources to strengthen your tea knowledge. Plus, the subscription considers your taste and steep preferences — we loved the personal touch. Runners-up: Atlas Tea Club Starter Pack, for single-origin and global teas (usually $14/shipment, currently on sale for $4/shipment)Harney and Sons Tea of the Month, for a 1-to-4-ounce sample of premium, loose-leaf tea ($19.50/shipment)Read our review of Sips by.Best beer subscriptionBeer of the Month ClubSubscription frequency: Every monthShipping fee: $15 A la carte shop: No Gifting available: YesChoose from five different beer memberships in this club: Microbrewed, Hop Heads, Rare Beers, International, and US and International. Each of these clubs gives you 12 12-oz beers in different styles from a few different breweries, plus brewery profiles and tasting notes. It's the most convenient way to tour breweries in the US and around the world. The original club started in 1994, and its panel of brewmasters and beer judges only pick out a mix of the most interesting and innovative craft beers every month. The diversity of options means you can stop pigeonholing yourself into drinking (and pretending to enjoy) IPAs.Runners-up: Tavour, for mobile-first beer orders (Price varies)Craft Beer Kings, for fun and creative flavors (from $49.99/shipment)Best cocktail subscriptionCocktail CourierSubscription frequency: Every 1, 2, or 4 weeksShipping fee: FreeA la carte shop: YesGifting available: YesUnless you keep your bar cart fully stocked and meticulously updated, it can be a hassle to source all the ingredients for a specialty cocktail you want to make. Cocktail Courier makes kits based on recipes from top bartenders and sends you all the ingredients you need, including the spirits. Keep in mind that you do need your own basic equipment, like glassware and a shaker. For the subscription, you'll only be sent kits with your favorite spirits. There's also an option for just the mixers and garnishes, if you prefer to use your own alcohol. Runners-up: Shaker & Spoon, for a variety of cocktails that focus on one spirit (from $50/shipment)SaloonBox, for group cocktail parties (from $57.66/shipment)Best snack subscriptionSnakCrateSubscription frequency: Every monthShipping fee: FreeA la carte shop: NoGifting available: YesOne of our favorite things to do when visiting a new country is to scour the snack aisles of the local grocery store. SnackCrate brings that same excitement and discovery process to your door. Every month's snack box focuses on a different country and includes directly imported full-sized snacks. You'll also get a music playlist and booklet of games and facts related to the country. There are three box sizes available to suit everyone from occasional grazers to snack aficionados. Runners-up: Mouth, for gourmet snacks from indie makers (from $47.75/month)Bokksu, for authentic Japanese snacks ($49.99/month)Read our review of Bokksu.Best cheese subscriptionMurray’s CheeseSubscription frequency: Every monthShipping fee: FreeA la carte shop: YesGifting available: YesNew York City institution Murray's Cheese offers a few different monthly clubs that let you get your fix for creamy, stinky, soft, smoky, and hard cheeses. It's part indulgence, part educational experience. The Classic Club is great for people who want a reliable way to enjoy cheeses you might not have heard of but still have an approachable flavor profile — think Montealva, a flaky and citrus-y goat's milk cheese from Spain or The Farm at Doe Run's butterscotch-infused cheese. If you want something more adventurous, try the Cheesemonger's Picks club instead. Runners-up: Curdbox, for cheese plates including sweet and savory pairings ($49.95/month)Jasper Hill, for special release and limited-edition cheese from Vermont ($110/month)Read our review of Murray's Cheese of the Month Club.Best meat subscriptionButcherBoxSubscription frequency: Every monthShipping fee: FreeA la carte shop: NoGifting available: YesIn addition to pre-curated boxes of grass-fed beef, free-range organic chicken, and crate-free pork, ButcherBox lets you choose from more than 25 different cuts to make your own custom box. It's an easy way to get high-quality meat (up to 14 pounds every month) without having to visit your local butcher or farmer's market. The subscription is also flexible in case you don't need that much meat every month. But if you're feeding a lot of mouths, hosting a barbeque, or just enjoy eating meat, you'll want to take advantage of ButcherBox's value every month.Runners-up: Porter Road, for underrated cuts of meat and the best variety (Price varies) Rastelli's, for hormone and antibiotic-free meat, plus plant-based options (Price varies)Read more about the best meat subscriptions we tested in 2022. Read our reviews of ButcherBox, Porter Road, and Rastelli's. Best meal kit subscriptionBlue ApronSubscription frequency: Every weekShipping fee: FreeA la carte shop: NoGifting available: YesBlue Apron's flavorful, creative takes on familiar recipes and reliable, accurate delivery make it the best meal kit you can subscribe to. It's versatile and flexible, with meal options for all kinds of dietary preferences, a variety of plans for two- and four-person families, and add-ons like meat and seafood bundles, wines, spice blends, and cookware and tools.  The meals (like chimichurri tilapia, one-pan prosciutto gnocchi, and sambal-peanut chicken noodles) are always delicious and the portions are generous. The menu updates frequently and we rarely see the same recipe twice.Runners-up: Sunbasket, for organic ingredients and health-conscious recipes ($48.36/4-meal, 1-serving plan)Everyplate, for the most affordable yet filling meals ($38.94/3-meal, 2-serving plan)Read more about the best meal kit subscriptions we tested in 2022.Best beauty subscriptionIpsySubscription frequency: Every monthShipping fee: FreeA la carte shop: YesGifting available: YesIpsy's shop is full of products from Tatcha, Benefit Cosmetics, First Aid Beauty, and more. Its Glam Bag is a monthly subscription full of either deluxe samples or full-size products from a range of well-known beauty, skincare, and haircare brands. Three levels are available: the five-sample $13-per-month option, the $28-per-month full-size subscription, and a $41-per-month combination of the two. While you don't get to choose exactly what you'll get, a lengthy quiz lets you indicate how frequently you use everything from eye shadow to bronzer to face masks to hand cream. Runners-upDermstore BeautyFIX Subscription Box, for top skincare, beauty, and haircare brands ($21.95/shipment)  Note: currently sold out for the December/January box.Love Goodly, for full-size, sustainable products ($34.95/shipment)Read more about the best beauty subscription boxes we tested in 2022. Best shaving subscriptionDollar Shave Club's razors and shave butter.Dollar Shave ClubSubscription frequency: Every 2, 3, or 4 monthsShipping fee: FreeA la carte shop: Yes Gifting available: YesYou can get sharp and budget-friendly razor shipments from Dollar Shave Club. One option is to first get the Starter Set, which costs just $5 ($20 every two months afterward) and acts as your trial run for the shave subscription. Or, you can take the site's quiz to receive personalized product recommendations based on your hair type and shaving needs. Either way, this famous online shave club offers plenty of flexibility so that you'll always have a supply of razor blades and soothing post-shave essentials whenever you need them. Runners-up: Billie, for fun yet practical razors ($10/shipment)Harry's, for sleek designs and other body care products ($40/year)Read our reviews of Billie and Harry's.Best men's clothing subscriptionAmir Ismael/InsiderSubscription frequency: Every monthShipping fee: FreeA la carte shop: YesGifting available: YesMenlo Club, the styling service loved by NBA stars and our own senior style reporter, curates two to three pieces for you per month based on your style preferences and clothing sizes. Brands include Five Four, Grand AC, and New Republic, and the pieces are easy to incorporate into your existing wardrobe. It's your best bet if you don't like or have time for clothing shopping because it offers high-quality clothing with plenty of variety. You can exchange sizes for free and you'll also get perks like exclusive discounts and early access to drops.Runners-up: Stitch Fix, for clothing picks made by your own personal stylist ($20 styling fee + cost of clothes/shipment)Gentleman's Box, for stylish accessories like ties and socks ($35/shipment)Read more about the best men's clothing subscriptions we tested in 2022.Read our review of Menlo Club.Best women's clothing subscriptionRent the RunwaySubscription frequency: Every monthShipping fee: FreeA la carte shop: YesGifting available: YesWith over 750 designers to choose from, Rent the Runway is the closet of your dreams for special occasions like weddings, workwear essentials, or simply to spice up your regular wardrobe. The most popular plan lets you rent four pieces at a time, twice a month, for just $99 a month (for the first two months). We've always found it easy to pick out, wear, and return dresses, tops, loungewear, and accessories from the service. It's all the fun and excitement of wearing designer clothing, without the exorbitant price tags or complicated dry cleaning.Runners-up: Stitch Fix, for clothing picks made by your own personal stylist ($20 styling fee + cost of clothes/shipment)Nuuly, for affordable rentals from Urban Outfitters, Anthropologie, and Free People ($88/shipment)Read our review of Rent the Runway.Best jewelry subscriptionRocksboxSubscription frequency: Every monthShipping fee: FreeA la carte shop: YesGifting available: YesThe right jewelry can bring an outfit to the next level, and with Rocksbox, the search for the perfect ring, earring, necklace, or bracelet is easy and very affordable. The $21 monthly membership gets you three pieces of jewelry from brands like Kendra Scott, Slate, 8 Other Reasons, and more, and the best part is you can swap the pieces as many times as you want during the month. If you fall in love with a piece and decide to buy it, your membership fee turns into a credit towards your purchase, saving you even more money.Runners-up: Switch, for luxury and fine jewelry like Hermes and Chanel (from $45/shipment)Rowan, for hypoallergenic earrings and fun freebies ($29/shipment)Best underwear subscriptionMeUndiesSubscription frequency: Every monthShipping fee: FreeA la carte shop: YesGifting available: YesMeUndies makes incredibly soft and comfy underwear in a variety of cuts and a huge selection of fun, ever-rotating prints and patterns. Though new underwear every month may seem unnecessary, you might just change your tune once you try a pair from MeUndies. All its fabrics are breathable and stretchy and last through years of washes. The part to look forward to the most? Collecting all the unique prints, which have included sharks, a "Space Jam" collaboration, and sun-tanning alligators in the past.Runners-up: Underclub, for designer underwear in a range of styles (from $15/shipment)Savage by Fenty Xtra VIP, for access to monthly drops and exclusive deals from Rihanna's lingerie brand ($49.95/shipment)Read our review of MeUndies.Best subscription for perfume and cologneScentbirdSubscription frequency: Every 1, 2, or 3 monthsShipping fee: FreeA la carte shop: YesGifting available: YesFragrance is such a personal purchase that it only makes sense to turn buying perfume or cologne into a sampling experience. Scentbird is home to over 500 fragrances from designer and indie brands, letting you discover your signature scent, add some variety to your current fragrance lineup, or simply try fragrances you wouldn't have access to otherwise. You'll be able to try perfume and cologne from Versace, D&G, Acqua di Parma, and more. Each 8 mL sampler bottle holds about 140 sprays — enough to use a couple of times a day, every day of the month.Runners-up: Scentbox, for an even larger variety of fragrances to choose from ($9.72/shipment)Skylar Scent Club, for limited-edition rollerballs made with clean ingredients ($20/shipment)Best flower subscriptionLauren Savoie/InsiderSubscription frequency: Every monthShipping fee: FreeA la carte shop: YesGifting available: YesFor us, flowers are the ultimate monthly pick-me-up. BloomsyBox's monthly flower delivery service features one unique bouquet of 22-24 stems, and though you can't pick the exact flowers you want, the ones we've received from the service have always been gorgeous. It's a lovely way to liven up your home with new and interesting arrangements and the flowers arrive fresh and undisturbed. Be on the lookout for cool, limited-time collaborations, like the current partnership with the New York Botanical Garden.Runners-up: UrbanStems, for timeless arrangements and deliveries as frequent as every week ($55/shipment)Read more about the best flower delivery services we tested in 2022. Read our reviews of Bloomsybox and UrbanStems.Best plant subscriptionHortiSubscription frequency: Every monthShipping fee: $8-$12A la carte shop: YesGifting available: YesHorti is best for beginner plant enthusiasts who are interested in starting a plant collection but may not know where to start or how to learn the basics of plant care. Horti's subscription is strategically designed so you begin with hardy, low-maintenance plants but eventually graduate to more complex species as you develop your confidence and experience. Each one always comes in a hand-painted pot (or you can opt for just the naked plants) and sometimes you'll also receive planting tools and accessories. Runner-up: My Garden Box, for unique, seasonal plants ($50/month)Best book subscriptionBook of the Month; Alyssa Powell/InsiderSubscription frequency: Every monthShipping fee: YesA la carte shop: YesGifting available: YesAs the OG national book club (since 1926!), Book of the Month has book curation down to a science, with its finger on the pulse of all the books that everyone seems to be reading and talking about lately. Every month you have the opportunity to choose from five hardcover books representing a variety of genres. Whether you're trying to start up a reading habit or already a voracious reader, the consistent shipments will make you a more well-read citizen. It also offers a separate, formal Book Club service where you can organize your own book club with anyone in your circle.Runners-up: Owl Crate, for signed young adult books and extra freebies ($35.99/shipment)Next Big Idea Club, for nonfiction books curated by big names in business and psychology ($69.99/year)Read our review of Book of the Month. Best game subscriptionCratejoySubscription frequency: Every 1, 2, or 3 months Shipping fee: $5 A la carte shop: YesGifting available: YesIf you like to unplug and unwind with a board game, try the Unbox Boardom subscription. Each month, you can either choose a new game yourself or let the gaming experts choose one for you. The membership has all kinds of unique games (strategy, family, trivia, and more) that you haven't heard of before and will keep you thoroughly entertained.Soon enough, you'll have a healthy stack of games to choose from any time you want to exercise your brain a bit. Past games have included Photosynthesis, a strategy game where you chase the sun to grow trees and Sabordage, a mayhem-filled pirate adventure.Runners-up: Video Games Monthly, for classic and retro video games (from $34.99/shipment)Finders Seekers, for mystery and escape room games ($33/shipment)Best crafting subscriptionThe Crafter’s BoxSubscription frequency: Every monthShipping fee: FreeA la carte shop: YesGifting available: YesFor people who love working with their hands, The Crafter's Box offers a convenient and affordable way to try out different kinds of crafts and learn from real working crafters. In addition to the materials, you'll receive access to a digital workshop and live chat with a community of fellow craft lovers. The exciting lineup of craft options includes fabric weaving, leather sandal making, paper making, soap making, and contemporary quilting. Since The Crafter's Box sends you all the materials you need, you can test drive various crafting types and figure out the one you love the most.Runners-up: Kiwi Doodle Crate, for creative projects designed for teens ($23.95/shipment)Adults and Crafts, for small, approachable projects ($33/shipment)Read our review of KiwiCo Crates. Best subscription for kidsAlicia Betz/InsiderSubscription frequency: Every monthShipping fee: FreeA la carte shop: YesGifting available: YesCreated by an engineer and mother of three, KiwiCo makes kits with toys and activities for kids of every age, from newborns to 14-year-olds. The science and art projects, designed by educators and scientists including but not limited to mechanical and industrial engineers, are age-appropriate and teach kids important skills like creative problem-solving, curiosity and tinkering, and hands-on craft. The beauty of KiwiCo is it frees up time for parents. Though parents can certainly join in on the fun, the kits work best when the child can play independently.Runners-up: Lovevery, for developmental play kits for babies and toddlers (Price varies)Baketivity, for kid-friendly baking kits ($34.95/shipment)Read our reviews of KiwiCo and Lovevery. Best subscription for dogsKate Barrington/InsiderSubscription frequency: Every monthShipping fee: FreeA la carte shop: YesGifting available: YesDogs and their owners love this popular subscription box, which sends toys, treats, and chews revolving around a creative theme each month. When you sign up, you'll share info about your dog, including its breed, birthday, and dietary restrictions, so that Barkbox can send a personalized collection of items. The plush toys in particular are a pup favorite. Soft, squeaky, and durable, they're made for play. Barkbox also has the best themes and collaborations we've seen around, from movie character chews and toys to a winter cabin getaway bundle.Runners-up: Pupbox from Petco, for treats, toys, and training resources specifically for puppies ($39/shipment)Kongbox, for highly rugged Kong products and especially playful dogs ($34.99/shipment)Read our review of Barkbox.Best subscription for catsMeowboxSubscription frequency: Every 1 or 2 monthsShipping fee: FreeA la carte shop: YesGifting available: YesSometimes hair ties, lights, and cardboard boxes just won't cut it for your cat. That's where Meowbox comes in. Every box has five to six items, including high-quality toys and organic or grain-free treats that are always produced in the US or Canada. Plus, for every box sold, Meowbox donates a can of food to a cat shelter. It even provides a unique code you can use to track exactly where your donation has gone. Like Barkbox, Meowbox offers adorable themed products, like a summer fishing bucket hat or a "skippy kitty rope" and kettlebell for cat-owner workouts. The a la carte shop also features paraphernalia for the owner so you don't feel left out of the fun.Runners-up: KitNipBox, for extra treats and toys if you have more than one cat ($22.99/shipment)RescueBox, for a subscription box with high impact ($27/shipment)Best hot sauce subscriptionJenny McGrath/InsiderSubscription frequency: Every 30 or 90 daysShipping fee: FreeA la carte shop: YesGifting available: YesThe key to a good hot sauce subscription is versatility. Not only do you want a range of brands from different places, but the sauces shouldn't all taste alike. We like Fuego's offerings because the bottles aren't found in every grocery store and they're usually pretty distinctive from one another. It would be nice if the three-sauce boxes were more curated or themed in some way, but the selections seem a bit random. After a year of using the service, we didn't have a single repeat bottle. There wasn't a bad sauce in the bunch, and some of them are new favorites. There are a few subscriptions to choose from, including a single bottle every month, three bottles every 90 days, or two extra-hot sauces every month. Runner-upHeat Hot Sauce Shop, for curated selections that range from mellow to extra-hot ($14.99 to $35.99 per month)Read the original article on Business Insider.....»»

Category: dealsSource: nytDec 7th, 2022

How this 27-year-old entrepreneur built his $8 million dessert empire after leaving Wall Street

Neil Hershman, a former Wall Street analyst, bought his first 16 Handles in New York in 2019. He turned that bet into a dessert empire. Here's how. The entrepreneur and 16 Handles owner Neil Hershman bought the froyo chain in August.16 Handles Neil Hershman worked as a Wall Street analyst in his early 20s. The entrepreneur left his job to pursue owning a 16 Handles shop. He bought the froyo chain in August. He explains how he built a dessert empire in three years. Editor's note: This as-told-to essay is based on a conversation with Neil Hershman, 27. With the help of a business loan, the Wall Street analyst turned food entrepreneur bought a 16 Handles franchise in Manhattan in 2019. Taking advantage of a depressed real-estate market amid the pandemic, he negotiated favorable long-term leases and opened several 16 Handles locations. He bought the chain in August. He's also a Dippin' Dots and Captain Cookie franchisee/licensee. Here's how he created a dessert empire in less than three years. This September conversation has been edited for clarity.My name is Neil. I'm 27. I have dessert shops around Manhattan, including two Times Square flagships. Last month, I closed on the acquisition of 16 Handles, the frozen-yogurt and soft-serve franchise with over 30 units across five states. I grew up entrepreneurial. I wanted to turn everyday activities into profitable businesses. There was one quote that I heard when I was younger about min-maxing your life, meaning solely focusing on the things you're good at, instead of trying to spread yourself too thin. That stuck with me and was the driving philosophy behind a lot of my achievements.I became a master scuba diver at 14. I became a certified pilot at 17. At 26, I summited Everest. At 26, Hershman climbed Mount Everest.Neil HershmanI left finance and became the guy behind the froyo counterI graduated from George Washington University in Washington, DC, with a degree in finance and astrophysics. I went to New York. I joined CIFC Asset Management as an analyst. I had the chance to get my feet wet with big money.I loved the work. I was mainly in valuation, mergers and acquisitions, and strategic forecasting. But I couldn't stand the inefficiencies and lack of creativity. So I started to focus on my side projects. I was looking for a turnkey business to invest in.I like selling physical things, and I thought, long term, the food business seemed like a great place to end up. I was living in the East Village neighborhood of Manhattan. 16 Handles was a froyo shop around the corner from my apartment that I frequented. It's a great product. The business had held its own for over a decade. I purchased my first 16 Handles in April 2019.I left finance and became the guy behind the froyo counter.I never introduced myself as the owner. I worked three straight months. It was all about learning the business inside and out — and a lot of that came from the employees who had worked at the store and never really had their voices heard.Dessert — especially 16 Handles since it's a self-serve shop — is a high-margin, low-cost business. You have this broad customer base. I had a quick return, so I negotiated to buy two additional New York City downtown locations. That was April. The next two, I purchased in August 2019.That's when the vision of this — a froyo and dessert empire — started brewing.I saw this retail apocalypse as a great chance to sign leasesWhen the pandemic hit, New York City grinded to a halt. Within months, we were able to get all my operating locations back open, with this big focus on delivery. Even though the streets of New York were empty, I saw this retail apocalypse as a great chance to sign leases with pessimistic landlords. I was able to get deals done — a young entrepreneur who's willing to bet on New York, taking prominent, convenient locations so that we had the best foot traffic.I signed the 16 Handles Times Square store — 550 square feet on the ground floor — in the peak of the pandemic, maybe November or December 2020. Before that, all the 16 Handles were closer to 1,200 square feet. Building that store meant a new customer base because you're talking about the tourist market instead of a local neighborhood.I never bought into the idea that New York City would never come back. The only thing that scared me was how long it could take.Expanding the dessert delivery space with Captain Cookie and Dippin' DotsDuring the early part of the pandemic, I was also thinking of ways to increase revenue and leverage the store-delivery solution for frozen dessert I had created to prevent froyo from melting en route to customers.That was when I first thought about Dippin' Dots because I wanted to buy some myself. Googling how to get them, I learned that they were inaccessible and required special freezers for distribution — a problem I knew I could tackle. I reached out in August 2020 and worked with it to create the first stand-alone flagship retail shop in Manhattan's Flatiron District, which we opened to a two-hour line on April 9, 2021.Captain Cookie is a brand that started as a food truck on my college campus and turned into a store. In a late-night email in November, I jotted to the Captain Cookie folks, "Hey, I build dessert shops in New York. This is right up my alley. I used to go to GW. I loved the product and the brand. Would you be interested in doing a partnership in New York City?"That first Captain Cookie store opened in April.After the success of the initial Dippin' Dots location, I built two more this spring, along with my first two Captain Cookie stores. By June, my nine dessert stores, including five 16 Handles shops, were all hitting their summer stride and on track to hit $8 million in annual sales.Buying 16 Handles and growing it to a national brandAs the largest franchisee working with the franchisor, we were misaligned on what we saw as the vision for 16 Handles. So at that point, it made sense for me to put in an offer for the full acquisition of the brand.I believed I could not only help my stores and help grow the brand but also help the other franchisees in the system. During the acquisition, there was an opportunity for me to take on two more 16 Handles locations, in uptown Manhattan, which brought my shop count to 11 (including Dippin' Dots and Captain Cookie stores).The ultimate vision for the 16 Handles brand is to make it a large national player.A key reason for my success with 16 Handles is that I found creative solutions to what otherwise seem like impossible obstacles. Instead of conceding or walking away when I heard "no" during a negotiation, I took some time to brainstorm.When making deals, I consider what the other party's goals are and how I can sell them on an alternative solution and keep the deal alive. Sometimes all it takes is believing there's a solution and giving yourself the time to think of it.Read the original article on Business Insider.....»»

Category: worldSource: nytDec 6th, 2022

I visited the flagship stores of Nike and Adidas in NYC to compare the shopping experiences and it was clear which store was more popular

The Nike and Adidas flagship stores stand like sportswear palaces on Fifth Avenue in Manhattan. See what it's like to shop at these massive stores. Sarah Belle Lin/Insider I visited the flagship stores of two of the world's largest athletic brands, Nike and Adidas, to see which shopping experience was better.  Adidas' flagship store was soccer heaven and paid homage to the FIFA World Cup.  Nike's store took me to an otherworldly space and wowed me with its Sneakerlab collection. You don't need to be a sneakerhead to own at least one pair of Adidas or Nike shoes — or maybe one of each — as well as a cache of athletic apparel from both brands. The two multibillion-dollar, multinational corporations have continuously blazed trails and faced challenges as they continue building their respective empires.Nike remains the industry powerhouse, with $46.7 billion in sales in its most recent fiscal year. Adidas reported $21.2 billion in 2021 sales.The companies' Manhattan stores are at the leading edges of their bricks-and-mortar retail strategies and often preview technologies and features that will roll out to other locations.With that in mind I felt it was worth visiting both flagship locations to compare the shopping experience. Follow my trek through these retail palaces. I first stopped by the Adidas flagship store.Adidas flagship store on 565 Fifth Avenue in New York City.Sarah Belle Lin/InsiderThe store is equidistant from Times Square and Grand Central Station. It's on the corner of 46th Street and Fifth Avenue in a bustling neighborhood that drives much of the city's tourism. The store opened in December 2016 and spans 45,000 square feet. The entrance tunnel might bring some visitors back to their high school football days.An Adidas store associate greets customers at the end of a short, glowing tunnel.Sarah Belle Lin/InsiderThe store's design is based on Adidas' "stadium retail concept," which takes inspiration from US high school sports stadiums, Insider previously reported. The Adidas store's tunnel, albeit a little underwhelming, did make me feel like I was about to enter a stadium. The first floor was covered with soccer jerseys for fans planning on cheering on their team at the World Cup.'World Cup Couture' on display.Sarah Belle Lin/InsiderI visited in late October and again in early November, and upon exiting the tunnel, I saw the theme was not football, but soccer, in anticipation of the FIFA World Cup, which kicked off Nov. 20 in Qatar.  Adidas, which is an official FIFA World Cup supplier, had outfitted its first-floor displays and mannequins with soccer jerseys of all stripes and colors. I'd safely assume every team playing for the cup was well-represented inside the Adidas flagship store during my visits.The first floor is where you'll find the most personalized Adidas shopping experience.There are four levels inside the Adidas flagship store.Sarah Belle Lin/InsiderThe Adidas flagship store offers real-time fitness consultations from EXOS trainers, healthy juices and snacks co-created with Brooklyn-based Grass Roots Juicery, a concierge desk, a same-day hotel delivery service, personalized shopping experiences such as the Run Genie gait analysis tool, and more. The customization lab allows walk-ins. Prices range from $10 to $35 depending on the service.There is an area on the first floor for customers to customize their own Adidas apparel.Sarah Belle Lin/InsiderCustomers could customize World Cup national team jerseys or shorts by adding names or numbers for $35.The Adidas customization area is modest in size and approachable.Sarah Belle Lin/InsiderAs someone who enjoys table sports, I loved seeing a foosball table on the first floor.A foosball table awaits players at the flagship store.Sarah Belle Lin/InsiderAn employee told me the foosball table was there for the World Cup.Adidas was having a sale on women's pants at the moment and there were a lot of good deals: $40 tights for $16, and $75 track pants for $53.These mannequins were wearing apparel representing Mexico's national soccer team.Sarah Belle Lin/InsiderIt's fall in New York City and I'm sporting black joggers and sweats everywhere I go. I've always been a fan of the Adidas tracksuit look, and how it's evolved within popular culture in the US: from Run-DMC to the deep-teal tracksuits on Netflix's "Squid Game."  Some of Adidas' shoe collections: NMD_V3, Stan Smith, Superstar, Nizza, and Y-3.Adidas' popular shoe collections on display.Sarah Belle Lin/InsiderIn my opinion, both the Superstar and Stan Smith are classics that will live on.The Adidas Superstar shoe in a display case.Sarah Belle Lin/InsiderIn 2016, the Superstar was the top-selling sneaker in the US in terms of dollar sales, according to The NPD Group. But its popularity diminished. Sales of the Superstars fell by $565 million from 2017 to 2018, Insider reported.Still, I say nothing beats timeless style.I'm not really on board with this whole purposely dirtied look.Forum 84 Low AEC shoesSarah Belle Lin/InsiderAdidas has given its Forum 84 Low AEC shoes a "well-loved look" to reflect a bygone era. I noticed this Adidas shopper wearing Yeezys.Adidas shopper wearing Yeezys.Sarah Belle Lin/InsiderAdidas reportedly is expected to lose $246 million in profit this year after terminating its Yeezy partnership, Insider reported. It's estimated that Yeezy generated $1.7 billion in annual revenues for Adidas — 8% of Adidas' total sales in 2021.  The soccer section was the busiest area on both days that I visited.The soccer section with its jerseys took the most real estate at the flagship store.Sarah Belle Lin/InsiderI saw several people carrying Argentina national team jerseys. The men's section had far more variety, tracksuits, and foot traffic compared with the other floors. I'd almost describe the environment as lively.The women's section had various interpretations of the traditional sweatpants.Purple was a dominant color in some of the displays.Sarah Belle Lin/InsiderThere were birds of paradise designs, pants with crisscross seams on the sides, yoga tracksuit pants, and sky-blue pants with three orange stripes.I saw these Adidas-branded wireless bluetooth earbuds that piqued my interest, but not enough for me to convince me to drop my over-the-ear, noise-canceling headphones.Adidas earbuds.Sarah Belle Lin/InsiderThere were a few clothing options for youth. Many items were marked with the brand's signature three stripes.The youth section at the flagship store.Sarah Belle LinThe youth section carried several different soccer cleats and running-shoe options.Shoes for youth, including options for soccer players and runners.Sarah Belle Lin/InsiderThese were the most fashion-forward shoes I saw at the Adidas store.The Adidas x Ivy Park mule shoes go for $150.Sarah Belle Lin/InsiderGrowing up I didn't associate Adidas with high fashion, but seeing these shoes showed me that the brand is evolving, for better or worse.I thought these "Rick and Morty" soccer cleats had the coolest colors out of all the cleats I saw in the soccer section.The X Speedportal soccer cleats, in partnership with "Rick and Morty."Sarah Belle Lin/InsiderKnowing that "Rick and Morty" is such a popular show across the world, I think these collaborations are a smart idea for Adidas.The bleachers, with a statue of Adidas founder Adolf Dassler, were cool and unexpected.The interior design was built to match a high school stadium.Sarah Belle Lin/InsiderThere are also elevators on each floor for customers who have mobility challenges or prefer to skip the extra steps.The all-black ensemble has grown on me, so I liked the vision of Adidas' newest clothing release.Adidas Y-3 is the company's latest collection.Sarah Belle Lin/InsiderI thought this was the most innovative pair of shoes I saw at Adidas. Would I wear it? Probably not.The Human Made x NMD cheetah-print shoes from the Pharrell Williams x Adidas collection.Sarah Belle Lin/InsiderI thought that the golf section was hidden towards the back of the third floor and harder to spot from the main walking area. It could have been better lit, as well.The golf section was small and towards the store's corner.Sarah Belle Lin/InsiderThe checkout section had grab-and-go items including sliders and socks.The checkout area.Sarah Belle Lin/InsiderI think it's great that Adidas invites customers to round up their total costs to support charities like the Boys & Girls Clubs.Customers can round up their total to donate to the Boys & Girls Club.Sarah Belle Lin/InsiderAfter my Adidas visit, I walked up five blocks to 650 Fifth, where Nike's flagship House of Innovation occupies most of the block.The Nike flagship store at 650 Fifth Avenue in New York City.Sarah Belle Lin/InsiderNike's flagship store has two more floors than the Adidas store. It occupies 68,000 square feet of prime real estate on Manhattan's famed Fifth Avenue.I visited the Nike flagship store twice: once in the morning and again in the late afternoon.A very busy Nike flagship store entrance.Sarah Belle Lin/InsiderAt 4:30 p.m. the store was almost overflowing with people going in and out.Nike also had an archway. This one transported shoppers to an out-of-this-world dimension.Nike entrance archway leading to the first floor.Sarah Belle Lin/InsiderWhile Adidas had a founder's statue to commemorate its history, Nike placed tons of mementos within the entranceway.Nike history was captured in memorabilia items within the archway walls.Sarah Belle Lin/InsiderThe display features Nike cofounders Bill Bowerman and Phil Knight, and honors the legacies of female athletes like world-famous runners Jacqueline Hansen and Joan Benoit. I liked seeing the mishmash of Nike artifacts, but think they could have been strategically placed elsewhere in the store. Because they're located at the entrance, you can't really stop for too long without potentially disrupting traffic flow.Staff were more approachable and greeted people. Music was a big part of the experience, playing at a much louder volume than in Adidas.Nike associates and shoe displays greet customers at the store's entrance.Sarah Belle Lin/InsiderOnce I made it into the first floor of the Nike flagship, I realized that space was a huge theme.Seeing this Nike display, I felt transported to the inside of a spaceship.Sarah Belle Lin/InsiderShoe models were incorporated into futuristic displays that looked like they could belong on the surface of Mars. I felt like this theme could be enjoyed by all athletes, as opposed to Adidas' soccer setup.There was a small booth on the first floor to make purchases, and two employees checking customers out.The checkout area on the first floor was small relative to the size of the store.Sarah Belle Lin/InsiderIt seemed like a small area relative to the rest of the store, and I wondered if bottleneck situations are common at this checkout point.There are free Essex Squeeze drinks for Nike members.Nike's House of Innovation for performance running shoes.Sarah Belle Lin/InsiderIt seems like Adidas and Nike are going head to head with their apparel, with Nike also offering New York City-branded clothing, but with what I felt like are bolder designs.The flagship store has six levels for customers to explore, and on both visits, sometimes it felt like I was competing for roaming space with throngs of visitors.There are six levels in the Nike flagship store.Sarah Belle Lin/InsiderMany of the visitors were international tourists. I most often heard French and Spanish being spoken at the store.I found out that there were self-checkout kiosks located on each floor, which I guess helps ease the flow of traffic. However, these kiosks are only for people who have the Nike app.There is a self-checkout kiosk for Nike app users on the second floor.Sarah Belle Lin/InsiderNike has far more sports bra selections and they are displayed in a more spread-out fashion, really utilizing the space.Sports bras are arranged by size and support level.Sarah Belle Lin/InsiderThe sports bras seemed to be made with better materials, and were pricier than the Adidas sports bras.Nike had its own tech display, featuring the Apple Watch Nike.Nike flexes its partnership with Apple Watch in the women's section.Sarah Belle Lin/InsiderThese watches are aesthetically different from other Apple Watches, with unique bands and watch faces. I thought it was interesting that the watches were placed on the second floor in the women's section and wondered if they were trying to target women.Similar to the Nike-wearing customer at the Adidas flagship, I saw a Nike shopper wearing Adidas apparel, reaffirming my belief that both brands are held up almost equally in public perception.A shopper wears an Adidas backpack in the Nike flagship store.Sarah Belle Lin/InsiderThe men's apparel section on the third floor wasn't heavily frequented, so I continued to follow the crowds as they meandered up the stairs.The men's section is on the third floor of the flagship store.Sarah Belle Lin/InsiderI did notice that black and neon green were common color schemes for men's apparel.I knew I'd reached the hot spot once I hit the fourth floor and Nike's Sneakerlab, holding the largest assortment of Nike shoes in the world.Nike's Sneakerlab is on the fourth floor of the flagship store.Sarah Belle Lin/InsiderThe music seemed more deafening here, and the chatter was at its loudest in the store on my visit so far.The Sneakerlab was the busiest part of the flagship store.One of the pickup areas at the Nike Sneakerlab.Sarah Belle Lin/InsiderThe bright-white light really brought out the displays and kept my energy level up. There were shoppers waiting around for their shoes, while others were checking out the displayed models. It looked like a museum.I spent the most time examining the Nike Air Maxes and VaporMaxes, which I felt like were the boldest and most inventive.There was a dizzying array of Nike Air shoes – from the VaporMax Plus to the Air Max 1.Sarah Belle Lin/InsiderI found the Nike Air Force 1 section, which was almost blindingly white, the signature color for Air Force 1s. Each shoe boasted ample display space and each Sneakerlab area felt like an exhibit.The Nike Air Force 1 shoe section.Sarah Belle Lin/InsiderI passed through a section with mirrored walls and an animated display featuring sneakers that were soon to be released.This Nike mirror offers a sneak peek of sneakers coming down the line.Sarah Belle Lin/InsiderIt was one of my favorite parts of the Sneakerlab because of its ingenuity and innovation. I thought it was a great way to engage with customers.I made an effort to glance down at customers' shoes while walking around and wasn't surprised to see many people wearing Nikes. But I also saw Adidas, Reebok, Vans, and Pumas.Nike-wearing customers don't seem to get enough of Nike.Sarah Belle Lin/InsiderWhile Adidas had its slips hung up next to the checkout counter, Nike's slips had their own displays just like the sneakers.Nike's sliders and slip-ons had their own spot in the Sneakerlab.Sarah Belle Lin/InsiderNike's customization lab has its own floor and is only available for NikePlus members.The top floor is the spot to get your Nike products customized.Sarah Belle Lin/InsiderThe lab takes same-day appointments for 30-minute time slots, but you have to schedule in-person on the 5th floor. The costs run from $3 for small graphics, to $7 for medium, and $8 for large. On both of my visits, the fifth floor had only a few people mingling about the customization lab. I wonder if it's by virtue of the appointment system the store has set up.The top floor was less frequented and swathed with Nike basic essentials.Sarah Belle Lin/InsiderI still enjoyed checking out what amenities were offered for NikePlus members.I passed by these fitting rooms, which I thought elevated the shopping experience. The fitting rooms on this floor look like futuristic space yurts.Fitting rooms on the fifth floor of the flagship.Sarah Belle Lin/InsiderThe Nike By You bar came with different designs people could use to customize outfits.Nike customers looking to get a little creative with their clothes.Sarah Belle Lin/InsiderBoth times I visited, there were people in the middle of their projects and designing sweatshirts with small graphics. In a city like New York, customized items are all the buzz. I saw a sweater for $130 and a t-shirt for $61.Examples of customized sweatshirts and Air Force 1s.Sarah Belle Lin/InsiderThe stairs to the kids section were tucked at the back of the first floor, which took me some time to find. It actually felt out of the way.The kids section is on the basement level.Sarah Belle Lin/InsiderYouth had an entire floor to explore – plenty of clothing and shoes to mix and match. There were many more options for children than what Adidas offered at its flagship store.There were several racks of clothing on the kids floor.Sarah Belle Lin/InsiderI got a real kick out of seeing this wall of preschool and toddler shoes.Teeny-tiny 1s and Js for preschoolers and toddlers.Sarah Belle Lin/InsiderThe integrity of the AF1s, Js, and Dunks were preserved in these teeny-size versions.After my visits, I could easily see how distinct the store experiences were between Adidas and Nike.Customers can do returns and exchanges on the kids floor.Sarah Belle Lin/InsiderThe interior designs, for one, were vastly different: Adidas went for stadium appeal — clearly catering to its soccer fans — while Nike went for multidimensional outer-space vibes.As for retail offerings, I felt like I could go to Adidas for fitness wear and Nike for their street style and shoes.Read the original article on Business Insider.....»»

Category: smallbizSource: nytDec 4th, 2022

I visited 2 busy malls in Southern California on Black Friday and saw how Gen Zers and millennials are saving the shopping extravaganza

The two malls in Orange County, California were surprisingly busy with long entry and checkout lines at stores like Urban Outfitters and Zara. Brittany Chang/Insider I visited two malls in Orange County, California on Black Friday and found plenty of foot traffic. The Irvine Spectrum was filled with groups of teenagers and long lines to get into stores like Urban Outfitters. Meanwhile, South Coast Plaza's Zara and Madewell had similar lines while luxury retail stores were nearly empty. I visited two popular shopping malls in Orange County, California during the morning of Black Friday and was shocked to see both were full of shoppers.Brittany Chang/InsiderIt seems like in-person Black Friday shopping and malls aren't dead as long as teenagers and young adults are ready to spend.Brittany Chang/InsiderThe "retail apocalypse" was nowhere to be seen at the popular Irvine Spectrum Center the morning of Black Friday.Brittany Chang/InsiderDespite the general downfall of malls, the 1.2 million-square-foot outdoor center has continued to be a go-to spot for after-school hang-outs, family dinners, and leisurely weekend shopping trips.Brittany Chang/InsiderSource: City of IrvineAnd Black Friday was no exception to this generally strong foot traffic.Brittany Chang/InsiderWhen I arrived at the palm tree-lined Irvine Spectrum Center shortly before 8:30 a.m., I was greeted by a stream of cars scouring open parking spots.Brittany Chang/InsiderAnd despite the relatively early hours, the mall was already bustling with people.Brittany Chang/InsiderIt wasn't as crowded as a typical Saturday afternoon. But for 8:30 a.m., the foot traffic was impressive.Brittany Chang/InsiderBut there weren't as many families or couples as I had expected.Brittany Chang/InsiderInstead, it looked like over half of the consumers were groups of Gen Zers shopping with their friends.Brittany Chang/InsiderAnd this young but powerful demographic seemed to dictate the number of customers inside each shop.Brittany Chang/InsiderStores like Nordstrom and Anthropologie were quiet with only a handful of shoppers.Brittany Chang/InsiderBut the same couldn't be said for Lululemon.Brittany Chang/InsiderInside, the popular athletic apparel store was packed with long checkout lines reminiscent of Black Friday before the rise of online shopping and COVID-19.Brittany Chang/InsiderSimilarly, the lines just to get into Urban Outfitters and Swish Studios — a sneaker and streetwear shop — were almost a dozen people long …Brittany Chang/Insider… and consisted mostly of young shoppers.Brittany Chang/InsiderStores like Garage and Levi's were also packed with these younger consumers.Brittany Chang/InsiderBut at this hour, some Gen Z-beloved brands like Brandy Melville, Tilly's …Brittany Chang/Insider… Pacsun, Vans, and H&M were relatively quiet with only a handful of people filing in and out.Brittany Chang/InsiderNone of these stores had lines out the door yet.Brittany Chang/InsiderBut they all had belt barriers set up in anticipation for larger crowds later in the day.Brittany Chang/InsiderTo my surprise, Old Navy had a robust crowd with a long checkout line, although the age of customers here looked more varied.Brittany Chang/InsiderBut in general, it seemed like fast fashion stores catered towards young consumers were winning big in the early hours of this year's Black Friday shopping fiasco at the Irvine Spectrum Center.Brittany Chang/InsiderI had no doubt the outdoor mall would be significantly more packed later in the day, likely with a more varied demographic.Brittany Chang/InsiderBut in the morning, Gen Zers looked like they were dominating the mall.Brittany Chang/InsiderAt South Coast Plaza, the largest luxury mall on the West Coast, the scene was somewhat similar.Brittany Chang/InsiderSource: South Coast PlazaThe 2.8 million-square-foot mall is filled with over 275 restaurants and stores …Brittany Chang/Insider… including high-end retailers like Versace, Yves Saint Laurent, Hermes, and Chanel.Brittany Chang/InsiderBut when I arrived a few minutes past 9:30 a.m., only a handful of people, if any, were milling around these luxury stores.Brittany Chang/InsiderIt was quiet at the likes of Celine, Rolex, and Burberry.Brittany Chang/InsiderThis should be no surprise: Many premium brands don't have Black Friday deals.Brittany Chang/InsiderAnd high-income shoppers aren't as impacted by inflation, which means there's less urgency to hunt for discounts, Neil Saunders, GlobalData's retail analyst, told Insider.Brittany Chang/InsiderInstead, like the Irvine Spectrum Center, most of the crowds were centered around a handful of brands that target younger consumers.Brittany Chang/InsiderThe long checkout lines …Brittany Chang/Insider… disheveled displays …Brittany Chang/Insider… and general bustle at the mall's Madewell and Zara looked busier than I've seen during normal retail hours.Brittany Chang/InsiderInstead of teenagters, these stores were primarily filled with what looked to be late-Gen Zers and millennials, although the shoppers at South Coast Plaza often seem to skew older because of the number of luxury retailers.Brittany Chang/InsiderMeanwhile, Aritzia was buzzing with customers waiting in a surprisingly long dressing room line.Brittany Chang/InsiderAnd there were plenty of shoppers fluttering around Lacoste, Sephora …Brittany Chang/Insider… Bath and Body Works, Uniqlo, and Victoria's Secret.Brittany Chang/InsiderThe two-floor Forever 21, which historically failed to appeal to Gen Zers before its bankruptcy, was nearly empty.Brittany Chang/InsiderSource: InsiderBut to my surprise, the Lego Store had one of the longest lines at the door. It looked like most of these shoppers were families or parents.Brittany Chang/InsiderOverall, there seemed to be more families, late Gen Z,ers and millennials at South Coast Plaza.Brittany Chang/InsiderBut brands like Zara and Madewell, which generally appeal to younger demographics, looked like some of the shopping center's most popular stores.Brittany Chang/InsiderAcross both malls, it's evident the in-person Black Friday shopping extravaganza is not just an event of the past.Brittany Chang/InsiderBut this trend isn't specific to just Orange County, California.Brittany Chang/InsiderAccording to Saunders, in-person Black Friday shopping is back, especially for young shoppers and brands that already see plenty of commercial success.Brittany Chang/Insider"Old habits seemed to have resumed after the disruption of COVID-19," Saunders said. "The younger consumer is really powering a lot of that. It's very noticeable in stores that cater to the younger demographic."Brittany Chang/InsiderIt's a social event for these shoppers, Saunders says. A time for young friends to see each after spending Thanksgiving Day with their families.Brittany Chang/InsiderAnd for brands that already see strong sales throughout the year by targeting younger consumers, it's a time to "strengthen the success trend," Saunders said.Brittany Chang/InsiderSo as long as brands that target Gen Zers and millennials are offering deals, young shoppers will come flocking.Brittany Chang/InsiderRead the original article on Business Insider.....»»

Category: personnelSource: nytDec 2nd, 2022

Live: 60+ best Amazon Cyber Monday deals to shop right now: Apple, Kindle, Fire TV, and more

Shop the 60+ best Amazon Cyber Monday deals before they sell out, including Kindle, Fire TV, and Apple products. We'll be keeping this page fresh with the latest Cyber Monday deals from Amazon.Amazon; Alyssa Powell/InsiderWhen you buy through our links, Insider may earn an affiliate commission. Learn more.Now that the clock has officially struck "Cyber Monday," Amazon's Cyber Monday sale is chock-full of discounts on 4K TVs, mattresses, and everything in between. All throughout Cyber Monday, we'll update this page with deals vetted by our expert team of editors and reporters. In other words: If the deal is highlighted here, it's worth your consideration. For more deals, be sure to check out our Cyber Monday deals liveblog for all the best ways to save. Top Amazon Cyber Monday deals right nowKindle Paperwhite: $95 (32% off)Fitbit Charge 5: $100 (33% off)Apple AirPods Pro (2nd Generation): $200 (20% off)LifeStraw Personal Water Filter: $13 (75% off)Keurig K-Mini Coffee Maker: $80 (21% off)Shop the best Amazon Cyber Monday salesUp to 62% off Echo and Echo Dot smart speakersUp to 50% off Fire TV streaming sticksUp to 45% off Vitamix blendersUp to 61% off Samsonite and American Tourister luggage25% off Brooklinen's Luxe Core Sheet SetBrooklinenA favorite set of sheets among the Insider Reviews team, the Luxe Core Sheet Set is noted for being durable and comfortable after many washes and nights of sleep. Right now, you can buy these sheets for 25% off during Brooklinen's Cyber Monday Sale, which is the lowest price we've seen all year. Find more great Brooklinen deals here. 15% off the Cuisinart CPT-122 2-Slice Compact ToasterAmazonThe budget pick in our best toasters guide, the Cuisinart CPT-122 is compact, speedy, ultra-affordable, and turns out toast just as evenly golden-brown as many of its much pricier competitors. During Cyber Monday, it's priced even more affordably when you click the coupon on the Amazon product page. 20% off the Fellow Stagg EKG Electric Pour-Over KettleAmazonThis stylish matte kettle has several features to give you the perfect pour-over: a precision pour spout, counterbalanced handle, 1,200-watt quick heating element, and variable temperature control. During Cyber Monday, you can get it for 20% off, which is the lowest price we've seen since July.20% off PopSockets PopGrip for MagSafePopsocketsIf you're looking to take advantage of Apple's MagSafe, the best grip you can buy is from old an standby: PopSockets' PopGrip. All you need to do is snap the oval in place and you've got an easy to way hold onto your phone. While these go on sale regularly throughout the year, PopSockets is currently offering 20% off sitewide.50% off the JBL Tune 230NC True Wireless Noise Cancelling In-Ear EarbudsAmazonJBL's affordable Tune 230NC earbuds offer active noise cancellation, great bass, and up to 40 hours of battery life on one charge. They're also water resistant and sweatproof. This 50% discount for Cyber Monday is the lowest price we've seen since they were released last year.44% off the Otterbox Amplify Glass Screen Protector for iPhone 13 and iPhone 13 ProAmazonThis Otterbox Amplify Glass Screen Protector says it's for the iPhone 13 and iPhone 13 Pro, but it's also compatible with the iPhone 14, too. Just note it won't properly fit the iPhone 14 Pro models of the iPhone 14 Plus. At 44% off this Cyber Monday, it's a well recommended screen protector from a trusted brand.20% off the Codenames BoardgameAmazonThe enormously fun Codenames boardgame is 20% this Cyber Monday. The rules are simple and quick to learn, and the game tests how well you truly know your friends and family.32% off the Brightworld Galaxy Moon LightAmazonThe Brightworld Galaxy Moonlight usually sells for around $24 rather than its $35 full price, so this deal is almost $10 off a beautiful decorative ambient light.$25 off the Nvidia ShieldAmazonThe regular Nvidia Shield model isn't as powerful as the Pro version, but it's still a very capable Android streaming device with access to every major service. It also features a unique, compact tube-shaped design that makes it easy to hide out of sight. At $125, this deal price matches the lowest we've ever seen. Save 20% on the Samsung 43-inch Frame QLED 4K TVAmazonThis is one of the smallest sizes you can get Samsung's gorgeous Frame TV in, which makes this an excellent choice for shoppers who want to hang a compact yet stylish display on their wall. The panel is made to look like a picture frame, so it can serve as a subtle design piece that can display art in your room with its matte screen. This deal price matches the all-time low. 36% off the Bosch PS31-2A 12-Volt Drill/DriverAmazonThe Bosch PS31-2A 12V is small and lightweight, the perfect tool to have on hand to tackle most light-duty household tasks. Often priced between $100 and $120, it's currently on sale for under $90.$10 off Ring Fit AdventureNintendoRing Fit Adventure is a fitness-centric game that challenges you to get off the couch and perform crunches, sit-ups, and more to defeat enemies. It even comes with a special accessory called the Ring-Con to track your movements. This game rarely goes on sale, so this $10 discount from Amazon is a good deal.40% off Jane Iredale Eyebrow KitAmazonGet perfect, natural-looking brows that are lustrous and smooth with this pigmented brow powder and nourishing botanical brow wax. This kit comes in a compact, travel-sized pack and at 40% off its normal price, it's around the lowest we've seen.$70 off Anova Precision Cooker NanoAmazonThe Anova Precision Cooker Nano offers accuracy and ease of use at a price unmatched by other sous vide machines. This model rarely goes to a lower price, so it's a good time to buy. When you apply the coupon on the Amazon product page, it's at the lowest price we've seen in years.$82 off Sony-Inzone H7 Wireless Gaming HeadsetAmazonThis wireless headset comes from Sony's new line of gaming products for PlayStation and PC, offering 360-degree spatial sound and a boom mic that can be folded away when not in use. It supports both Bluetooth and a dedicated wireless signal and lasts for up to 40 hours on a full charge.$80 off Apple AirPods (2nd Generation)A pair of white Airpods.iStock / Getty Images PlusThe second-generation AirPods are the company's most basic, affordable model. And they're still a good choice if you're looking for a no-fuss pair of wireless earbuds. For the Cyber Monday, they're now down to $90, which is just $11 more than their all-time low of $79.30% off Casper Essential PillowCasperWe're fans of Casper's pillows; we ranked the Original as the best pillow for side sleepers in our buying guide to the best pillows you can buy. The Essential pillow is soft and breathable on the outside and supportive on the inside. At $42, it matches the lowest price we've come across this year.Save 44% on Black + Decker 20V Max Flex Handheld VacuumAmazonThe powerful Black+Decker 20V Max Flex Handheld Vacuum (model BDH2020FL) has a narrow, flexible, 4-foot hose that can clean hard-to-reach areas of your car. This Cyber Monday deal matches the lowest price we've seen it offered.45% off Ecoprsio Nightstand Set of 2 Industrial End Table Side Table with Drawer and Storage ShelfAmazonAt up to 45% off (depending on what color you choose), this duo set of side tables can be used on opposite ends of a couch or divvied up between rooms. Each has a lower shelf and drawer for extra storage. This is the best price we've seen on this set.$60 off Apple Watch UltraLes Shu/InsiderThis isn't a huge deal for the Apple Watch Ultra, but it's the best deal we've seen for this model that was only released in September, and a discount is a discount for such a popular and expensive smartwatch.68% off SanDisk 128GB MicroSD cardSanDiskIf you own a GoPro or Nintendo Switch, you'll need a good microSD card to store your photos, videos, and games. SanDisk microSD cards are the best around, and right now, this 128GB card is 68% off.31% off Roku UltraAmazonThe Roku Ultra is our favorite streaming device. It delivers simple access to popular services and supports advanced features like Dolby Vision. This $69 deal price is an all-time low.25% off Magic Bullet Blender 11-Piece SetKohl'sAt under $30, this 11-piece Magic Bullet set is a great, space-conscious gift for anyone in need of a small, sturdy blender. It comes with three different mugs as well as lids for optimal freshness.25% off set of 8 Wüsthof Stainless-Steel Steak KnivesAmazonKnown for their durability and edge-retention, Wüsthof knives are a legacy addtion to your kitchen. The steak knife set comes in a wood case that's perfect for gifting. We haven't seen this set go on sale since last Cyber Monday, so it's a good time to buy for 25% off.30% off Amazon Smart ThermostatAmazonThe Amazon Smart Home Thermostat is a simple, Alexa-enabled, inexpensive smart home thermostat to control your home's temperature. It doesn't have a microphone or camera, so Alexa voice commands rely on another voice-enabled Alexa device, like an Echo smart speaker. It's down to an all-time low price during Cyber Monday.30% off Yeti Rambler 10 oz Wine TumblerAmazonNow 30% off, the Yeti Rambler holds up to 10 ounces of your favorite wine whether you're on a camping trip or the back patio. The stainless steel interior paired with the double-wall vacuum insulation is what keeps your drink exactly at the temperature you like.$20 off Apple Watch SE 2nd-genApple Watch SE.Mary Meisenzahl/Business InsiderThe 2nd-gen Apple Watch SE was only released in September, making it a rare deal for such a recently released Apple device, even if it's "only" 8% off. The 2nd-gen Apple Watch SE was already an excellent affordable option, so this deal only makes it an easier recommendation.$55 off Amazon Fire TV Gaming BundleAmazonThis gaming bundle includes two of Amazon's most sought-after devices. Together, the Fire TV Stick and Luna Controller are 46% off during Cyber Monday, which is one of the best deals we've seen on these products. $122 off Sony WH-1000XM4 noise-canceling headphonesSonySony's WH-1000XM4 is our go-to pair of headphones when we look for balance, sound quality, noise-canceling performance, and price. They're on sale for $228 during Cyber Monday, which is the lowest price we've ever seen them at.27% off De'Longhi Nespresso VertuoWilliams SonomaNespresso's Vertuo machine makes rich, frothy espresso at the touch of a button. This isn't the lowest price we've seen, but it does match last Cyber Monday's deal and it's still a solid discount.30% off Ring Floodlight Cam Wired PlusAmazonRing's Floodlight Cam Wired Plus combines the standard Spotlight Cam with a set of motion-activated floodlights for better lighting. The camera itself streams and records at 1080p resolution and is also motion-activated, and it includes a siren and two-way talk. The Cyber Monday sale matches the lowest price we've seen it available for.43% off Amazon Echo GlowAmazonThe Echo Glow is Amazon's child-friendly and Alexa-compatible smart lamp. It's able to change its color and brightness by voice control and is a great introduction to smart home devices. At full price, it's a great deal, so the fact it's on sale for just $17 gives this excellent value.56% off Amazon Halo ViewIsabel Fernández and Crystal Cox/InsiderThe Amazon Halo View is a basic fitness tracker that offers a comprehensive suite of features designed to help improve your overall health and wellness. At just $35 during Cyber Monday, you won't find a better deal on a wearable as good as this.25% off Hydro Flask ToteHydro FlaskThe Hydro Flask Tote makes for the perfect travel bag especially when storing food because its lightweight, insulated, and fully lined. For Cyber Monday, the tote is 25% off.32% off Kindle PaperwhiteAmazonThe Kindle Paperwhite is our favorite Kindle model so far for its big screen and adjustable warm light. At 32% off, you can snag it for under $100 to gift to the avid reader in your life.$180 off Insignia 50-inch F30 4K Fire TVAmazonThis Insignia 4K display is a standard entry-level smart TV. It's no frills when it comes to picture quality, but it features the Fire TV OS built-in for easy access to popular streaming apps. This isn't a set you'll want to build a home theater around, but it gets the job done for casual viewing, especially in a bedroom. This $220 deal price matches the all-time low we saw over the summer.$40 off Bissell Cleanview Rewind Pet Deluxe Upright Vacuum CleanerAmazonGreat for stuubborn pet hair nestled firmly in rugs and carpet, the Bissell Cleanview Vacuum Cleaner is now available for an all time low. For $40 off, save big on the home essential that includes the Pet TurboEraser Tool, the Pet Hair Corner Tool and so much more.Save $35 on two Blink Mini security camerasAmazonAffordable and user friendly, the Amazon Blink Mini home security camera is an indoor security for first timers. It has both 1080p camera footage quality and a black-and-white night mode. Save 54% on the security system this Cyber Monday.33% off Echo Dot speakersAmazonThe latest of the Echo Dot lineup, the 5th Gen comes with a handful of new features including better audio and built-in Eero. Right now it's down to only $40, matching the lowest price we've seen for this new speaker so far. You can also trade-in your old Echo speaker for an additional 25% off.33% off Coleman Beach Sun ShelterAmazonIt's hard to call the Coleman Beach Sun Shelter a tent when it offers great air ventilation from the back window, a zip away wall for privacy, a hanging line for drying wet clothes and so much more. Save 33% off on this outdoors must-have thats easy to set up and even easier to camp away in.25% off NuFace Trinity Starter KitAmazonNow 25% off for Cyber Monday, the Nu Fae Trinity Toning Device reduces the appearance on fine lines while stimulating the muscles in your face.41% off Instant Pot Pro 10-in-1 Pressure CookerAmazonSave 41% off on an instant pot with a Premium Cookware Grade Inner Pot that's stove top friendly, has overheat protection and a safe locking lid.80% off Amazon Smart PlugAmazonOver half off its original price using code PLUG at checkout, save 80% on the smart plug that pairs with your Alexa to control the lights, fans and appliances automatically at home or remotely when you forget to.42% off Coodoo Magnetic Blocks Tough Building Tiles Starter SetAmazonSimilar to ultra popular Magna-Tiles, these magnetic building blocks snap together quickly so you can build creatively. You can grab this starter set of 30 pieces for 39%, plus an extra 5% off when you clip the coupon on the page. For under $20, this set makes a great gift for the kiddo in your life.20% off Sengled Smart Light BulbSengledSengled's smart color-changing light bulb is significantly more affordable than bulbs from big names like Philips. For about $12, this single bulb is more affordable than ever.33% off Fitbit Charge 5Jenny McGrath/InsiderPriced at an all-time low, the Charge 5 hits a budget-friendly price point while offering stellar activity tracking in a smaller footprint than a smartwatch.20% off AirPods Pro (2nd Generation)AppleThe AirPods Pro (2nd generation) are the latest addition to their AirPods Pro series, a line of mid-range earbuds that feature spatial audio and noise canceling. And for just $200, this is the lowest price we've ever seen. 20% off Beats Fit ProBeats by DreBeats Fit Pro are among our top-rated wireless earbuds, thanks to Apple's wireless technology, solid noise-canceling, and flexible wingtips that tuck into the ear for a secure fit. They are are excellent everyday buds, but even better for fitness activities. $160 is the lowest we've seen it all year.28% off Tile Mate Bluetooth Tracker (2022)AmazonThe Tile Mate is designed to help you find easily misplaced items and attaches to keys, pet collars, and other important items. During Cyber Monday, it's at the lowest price we've seen this year.24% off Roborock S7 MaxV Ultra Robot VacuumRoborockWe haven't tested the Roborock S7 MaxV Ultra Robot Vacuum yet, but Roborock has consistently performed well in our tests, and this is the most innovative vacuum yet from the brand. It mops and vacuums simultaneously and features a charging base that empties the dustbin. Right now, it's on sale for the first time.40% off SodaStream Terra Sparkling Water MakerAmazonIf you're a seltzer fan, then you should consider investing in a sparkling water maker. The Terra is SodaStream's newest model that is also cordless. It comes with one CO2 cylinder and a bottle of lime Bubly Drops. For Cyber Monday, it's an all-time low price.33% off JBL Boombox 2AmazonWhen you need music for your gathering, the JBL Boombox 2 brings powerful sound and bass to keep the party going. It's one of the best Bluetooth speakers that you can get, and right now it's on sale with an excellent and rare $200 discount.39% off Coway Airmega AP-1512HHCowayCoway makes some of the best air purifiers on the market. The AP-1512HH is a reliable compact unit that's equipped with a 4-stage filtration sustem that reduces up to 99.6% of air pollution particles. This Cyber Monday deal is the lowest price we've seen since early 2021.37% off Amazon 55-inch 4-Series Fire TVAmazonIf you're in the market for a 55-inch entry-level smart TV, the 4-Series is a solid option when it's on sale. The TV's image performance is pretty basic, but it supports 4K, HDR10, and the Fire TV OS, which offers access to all the major streaming services. This $330 sale price doesn't quite match the all-time low of $293 we saw over the summer, but it's still a great discount.26% off Hydro Flask 32 oz. Wide Mouth BottleMarathon SportsHydro Flask makes some of our favorite water bottles — they're basically indestructible without being bulky or heavy, and keep hot and cold beverages at their original temperature for at least 12 hours. It's a solid, pragmatic gift for anyone who complains about forgetting to hydrate or is on the hunt for a reliable thermos.37% off Revlon One-Step VolumizerAmazonWhile Dyson's Airwrap definitely lives up to its reputation of a coveted hair tool, it's over $400. The Revlon One-Step brush, however, is a much better value for similar results and is additionally even cheaper thanks to its current Cyber Monday discount.33% off Keurig K-Mini Coffee MakerTargetAvailable in a range of cute colors, this slim, 5" Keurig fits easily on even the most crowded counters. At 33% off, it's a great gift for anyone who prefers the ease of coffee pods.50% off Fire TV Stick 4KAmazonFor 4K TV owners, the Fire TV Stick 4K offers sharper and more detailed streaming at the resolution you need. Currently down to $25, this discount matches the previous all-time low we've seen for the Fire TV Stick 4K, making now an excellent time to buy.50% off Fire TV Stick LiteAmazonAmazon's most affordable and simple Fire TV device, the Fire TV Stick Lite works by simply plugging into an HDMI port and connecting to the internet to bring your favorite services to your TV. Currently down to $15, this is a new all-time low and an especially worthwhile deal for an entry-level streaming device.46% off Amazon Echo Show 8In addition to a touchscreen, the Amazon Echo Show 8 has buttons for mute and volume, and a privacy slider that hides the camera.Isabel Fernández and Crystal Cox/InsiderThis mid-range, 8-inch smart display in Amazon's Echo Show line up is the best for most people who want a smart speaker that also lets you conduct video calls and stream videos. Priced at $70 for Cyber Monday, it's at the lowest price we've ever seen it.20% off Olaplex Hair Perfector No 3 Repairing TreatmentAmazonThough pricey, Olaplex's Hair Perfector is a cult favorite in beauty circles. At 20% off, it makes a thoughtful gift for anyone heard complaining about their split ends in the winter, this immensely popular hair treatment repairs brittle, dry hair and adds much-needed moisture.75% off LifeStraw Personal Water FilterAmazonLifeStraws are portable filters that can make even some of the murkiest standing water drinkable. For backpackers and hikers, a LifeStraw can be an invaluable tool in dire situations. Down to only $13 (that's a whopping 75% off), now is a great time to stock up.43% off Chamberlain myQ Smart Garage Door OpenerBest BuyThe Chamberlain MyQ Smart Garage Door Opener is a useful device that lets you open and close your garage door from anywhere with the companion mobile app on your phone. It was a reader favorite during Prime Day last year, and now for Cyber Monday, it's offered at its lowest price in a year.Read the original article on Business Insider.....»»

Category: personnelSource: nytNov 28th, 2022

Live: 50+ best Amazon Cyber Monday deals to shop right now: Apple, Kindle, Fire TV, and more

Shop the 50+ best Amazon Cyber Monday deals before they sell out, including Kindle, Fire TV, and Apple products. We'll be keeping this page fresh with the latest Cyber Monday deals from Amazon.Amazon; Alyssa Powell/InsiderWhen you buy through our links, Insider may earn an affiliate commission. Learn more.Now that the clock has officially struck "Cyber Monday," Amazon's Cyber Monday sale is chock-full of discounts on 4K TVs, mattresses, and everything in between. All throughout Cyber Monday, we'll update this page with deals vetted by our expert team of editors and reporters. In other words: If the deal is highlighted here, it's worth your consideration. For more deals, be sure to check out our Cyber Monday deals liveblog for all the best ways to save. Top Amazon Cyber Monday deals right nowKindle Paperwhite: $95 (32% off)Fitbit Charge 5: $100 (33% off)Apple AirPods Pro (2nd Generation): $200 (20% off)LifeStraw Personal Water Filter: $13 (75% off)Keurig K-Mini Coffee Maker: $80 (21% off)Shop the best Amazon Cyber Monday salesUp to 62% off Echo and Echo Dot smart speakersUp to 50% off Fire TV streaming sticksUp to 45% off Vitamix blendersUp to 61% off Samsonite and American Tourister luggage20% off the Codenames BoardgameAmazonThe enormously fun Codenames boardgame is 20% this Cyber Monday. The rules are simple and quick to learn, and the game tests how well you truly know your friends and family.32% off the Brightworld Galaxy Moon LightAmazonThe Brightworld Galaxy Moonlight usually sells for around $24 rather than its $35 full price, so this deal is almost $10 off a beautiful decorative ambient light.$25 off the Nvidia ShieldAmazonThe regular Nvidia Shield model isn't as powerful as the Pro version, but it's still a very capable Android streaming device with access to every major service. It also features a unique, compact tube-shaped design that makes it easy to hide out of sight. At $125, this deal price matches the lowest we've ever seen. Save 20% on the Samsung 43-inch Frame QLED 4K TVAmazonThis is one of the smallest sizes you can get Samsung's gorgeous Frame TV in, which makes this an excellent choice for shoppers who want to hang a compact yet stylish display on their wall. The panel is made to look like a picture frame, so it can serve as a subtle design piece that can display art in your room with its matte screen. This deal price matches the all-time low. 36% off the Bosch PS31-2A 12-Volt Drill/DriverAmazonThe Bosch PS31-2A 12V is small and lightweight, the perfect tool to have on hand to tackle most light-duty household tasks. Often priced between $100 and $120, it's currently on sale for under $90.$10 off Ring Fit AdventureNintendoRing Fit Adventure is a fitness-centric game that challenges you to get off the couch and perform crunches, sit-ups, and more to defeat enemies. It even comes with a special accessory called the Ring-Con to track your movements. This game rarely goes on sale, so this $10 discount from Amazon is a good deal.40% off Jane Iredale Eyebrow KitAmazonGet perfect, natural-looking brows that are lustrous and smooth with this pigmented brow powder and nourishing botanical brow wax. This kit comes in a compact, travel-sized pack and at 40% off its normal price, it's around the lowest we've seen.$70 off Anova Precision Cooker NanoAmazonThe Anova Precision Cooker Nano offers accuracy and ease of use at a price unmatched by other sous vide machines. This model rarely goes to a lower price, so it's a good time to buy. When you apply the coupon on the Amazon product page, it's at the lowest price we've seen in years.$82 off Sony-Inzone H7 Wireless Gaming HeadsetAmazonThis wireless headset comes from Sony's new line of gaming products for PlayStation and PC, offering 360-degree spatial sound and a boom mic that can be folded away when not in use. It supports both Bluetooth and a dedicated wireless signal and lasts for up to 40 hours on a full charge.$80 off Apple AirPods (2nd Generation)A pair of white Airpods.iStock / Getty Images PlusThe second-generation AirPods are the company's most basic, affordable model. And they're still a good choice if you're looking for a no-fuss pair of wireless earbuds. For the Cyber Monday, they're now down to $90, which is just $11 more than their all-time low of $79.30% off Casper Essential PillowCasperWe're fans of Casper's pillows; we ranked the Original as the best pillow for side sleepers in our buying guide to the best pillows you can buy. The Essential pillow is soft and breathable on the outside and supportive on the inside. At $42, it matches the lowest price we've come across this year.Save 44% on Black + Decker 20V Max Flex Handheld VacuumAmazonThe powerful Black+Decker 20V Max Flex Handheld Vacuum (model BDH2020FL) has a narrow, flexible, 4-foot hose that can clean hard-to-reach areas of your car. This Cyber Monday deal matches the lowest price we've seen it offered.45% off Ecoprsio Nightstand Set of 2 Industrial End Table Side Table with Drawer and Storage ShelfAmazonAt up to 45% off (depending on what color you choose), this duo set of side tables can be used on opposite ends of a couch or divvied up between rooms. Each has a lower shelf and drawer for extra storage. This is the best price we've seen on this set.$60 off Apple Watch UltraLes Shu/InsiderThis isn't a huge deal for the Apple Watch Ultra, but it's the best deal we've seen for this model that was only released in September, and a discount is a discount for such a popular and expensive smartwatch.68% off SanDisk 128GB MicroSD cardSanDiskIf you own a GoPro or Nintendo Switch, you'll need a good microSD card to store your photos, videos, and games. SanDisk microSD cards are the best around, and right now, this 128GB card is 68% off.31% off Roku UltraAmazonThe Roku Ultra is our favorite streaming device. It delivers simple access to popular services and supports advanced features like Dolby Vision. This $69 deal price is an all-time low.25% off Magic Bullet Blender 11-Piece SetKohl'sAt under $30, this 11-piece Magic Bullet set is a great, space-conscious gift for anyone in need of a small, sturdy blender. It comes with three different mugs as well as lids for optimal freshness.25% off set of 8 Wüsthof Stainless-Steel Steak KnivesAmazonKnown for their durability and edge-retention, Wüsthof knives are a legacy addtion to your kitchen. The steak knife set comes in a wood case that's perfect for gifting. We haven't seen this set go on sale since last Cyber Monday, so it's a good time to buy for 25% off.30% off Amazon Smart ThermostatAmazonThe Amazon Smart Home Thermostat is a simple, Alexa-enabled, inexpensive smart home thermostat to control your home's temperature. It doesn't have a microphone or camera, so Alexa voice commands rely on another voice-enabled Alexa device, like an Echo smart speaker. It's down to an all-time low price during Cyber Monday.30% off Yeti Rambler 10 oz Wine TumblerAmazonNow 30% off, the Yeti Rambler holds up to 10 ounces of your favorite wine whether you're on a camping trip or the back patio. The stainless steel interior paired with the double-wall vacuum insulation is what keeps your drink exactly at the temperature you like.$20 off Apple Watch SE 2nd-genApple Watch SE.Mary Meisenzahl/Business InsiderThe 2nd-gen Apple Watch SE was only released in September, making it a rare deal for such a recently released Apple device, even if it's "only" 8% off. The 2nd-gen Apple Watch SE was already an excellent affordable option, so this deal only makes it an easier recommendation.$55 off Amazon Fire TV Gaming BundleAmazonThis gaming bundle includes two of Amazon's most sought-after devices. Together, the Fire TV Stick and Luna Controller are 46% off during Cyber Monday, which is one of the best deals we've seen on these products. $122 off Sony WH-1000XM4 noise-canceling headphonesSonySony's WH-1000XM4 is our go-to pair of headphones when we look for balance, sound quality, noise-canceling performance, and price. They're on sale for $228 during Cyber Monday, which is the lowest price we've ever seen them at.27% off De'Longhi Nespresso VertuoWilliams SonomaNespresso's Vertuo machine makes rich, frothy espresso at the touch of a button. This isn't the lowest price we've seen, but it does match last Cyber Monday's deal and it's still a solid discount.30% off Ring Floodlight Cam Wired PlusAmazonRing's Floodlight Cam Wired Plus combines the standard Spotlight Cam with a set of motion-activated floodlights for better lighting. The camera itself streams and records at 1080p resolution and is also motion-activated, and it includes a siren and two-way talk. The Cyber Monday sale matches the lowest price we've seen it available for.43% off Amazon Echo GlowAmazonThe Echo Glow is Amazon's child-friendly and Alexa-compatible smart lamp. It's able to change its color and brightness by voice control and is a great introduction to smart home devices. At full price, it's a great deal, so the fact it's on sale for just $17 gives this excellent value.56% off Amazon Halo ViewIsabel Fernández and Crystal Cox/InsiderThe Amazon Halo View is a basic fitness tracker that offers a comprehensive suite of features designed to help improve your overall health and wellness. At just $35 during Cyber Monday, you won't find a better deal on a wearable as good as this.25% off Hydro Flask ToteHydro FlaskThe Hydro Flask Tote makes for the perfect travel bag especially when storing food because its lightweight, insulated, and fully lined. For Cyber Monday, the tote is 25% off.32% off Kindle PaperwhiteAmazonThe Kindle Paperwhite is our favorite Kindle model so far for its big screen and adjustable warm light. At 32% off, you can snag it for under $100 to gift to the avid reader in your life.$180 off Insignia 50-inch F30 4K Fire TVAmazonThis Insignia 4K display is a standard entry-level smart TV. It's no frills when it comes to picture quality, but it features the Fire TV OS built-in for easy access to popular streaming apps. This isn't a set you'll want to build a home theater around, but it gets the job done for casual viewing, especially in a bedroom. This $220 deal price matches the all-time low we saw over the summer.$40 off Bissell Cleanview Rewind Pet Deluxe Upright Vacuum CleanerAmazonGreat for stuubborn pet hair nestled firmly in rugs and carpet, the Bissell Cleanview Vacuum Cleaner is now available for an all time low. For $40 off, save big on the home essential that includes the Pet TurboEraser Tool, the Pet Hair Corner Tool and so much more.Save $35 on two Blink Mini security camerasAmazonAffordable and user friendly, the Amazon Blink Mini home security camera is an indoor security for first timers. It has both 1080p camera footage quality and a black-and-white night mode. Save 54% on the security system this Cyber Monday.33% off Echo Dot speakersAmazonThe latest of the Echo Dot lineup, the 5th Gen comes with a handful of new features including better audio and built-in Eero. Right now it's down to only $40, matching the lowest price we've seen for this new speaker so far. You can also trade-in your old Echo speaker for an additional 25% off.33% off Coleman Beach Sun ShelterAmazonIt's hard to call the Coleman Beach Sun Shelter a tent when it offers great air ventilation from the back window, a zip away wall for privacy, a hanging line for drying wet clothes and so much more. Save 33% off on this outdoors must-have thats easy to set up and even easier to camp away in.25% off NuFace Trinity Starter KitAmazonNow 25% off for Cyber Monday, the Nu Fae Trinity Toning Device reduces the appearance on fine lines while stimulating the muscles in your face.41% off Instant Pot Pro 10-in-1 Pressure CookerAmazonSave 41% off on an instant pot with a Premium Cookware Grade Inner Pot that's stove top friendly, has overheat protection and a safe locking lid.80% off Amazon Smart PlugAmazonOver half off its original price using code PLUG at checkout, save 80% on the smart plug that pairs with your Alexa to control the lights, fans and appliances automatically at home or remotely when you forget to.42% off Coodoo Magnetic Blocks Tough Building Tiles Starter SetAmazonSimilar to ultra popular Magna-Tiles, these magnetic building blocks snap together quickly so you can build creatively. You can grab this starter set of 30 pieces for 39%, plus an extra 5% off when you clip the coupon on the page. For under $20, this set makes a great gift for the kiddo in your life.20% off Sengled Smart Light BulbSengledSengled's smart color-changing light bulb is significantly more affordable than bulbs from big names like Philips. For about $12, this single bulb is more affordable than ever.33% off Fitbit Charge 5Jenny McGrath/InsiderPriced at an all-time low, the Charge 5 hits a budget-friendly price point while offering stellar activity tracking in a smaller footprint than a smartwatch.20% off AirPods Pro (2nd Generation)AppleThe AirPods Pro (2nd generation) are the latest addition to their AirPods Pro series, a line of mid-range earbuds that feature spatial audio and noise canceling. And for just $200, this is the lowest price we've ever seen. 20% off Beats Fit ProBeats by DreBeats Fit Pro are among our top-rated wireless earbuds, thanks to Apple's wireless technology, solid noise-canceling, and flexible wingtips that tuck into the ear for a secure fit. They are are excellent everyday buds, but even better for fitness activities. $160 is the lowest we've seen it all year.28% off Tile Mate Bluetooth Tracker (2022)AmazonThe Tile Mate is designed to help you find easily misplaced items and attaches to keys, pet collars, and other important items. During Cyber Monday, it's at the lowest price we've seen this year.24% off Roborock S7 MaxV Ultra Robot VacuumRoborockWe haven't tested the Roborock S7 MaxV Ultra Robot Vacuum yet, but Roborock has consistently performed well in our tests, and this is the most innovative vacuum yet from the brand. It mops and vacuums simultaneously and features a charging base that empties the dustbin. Right now, it's on sale for the first time.40% off SodaStream Terra Sparkling Water MakerAmazonIf you're a seltzer fan, then you should consider investing in a sparkling water maker. The Terra is SodaStream's newest model that is also cordless. It comes with one CO2 cylinder and a bottle of lime Bubly Drops. For Cyber Monday, it's an all-time low price.33% off JBL Boombox 2AmazonWhen you need music for your gathering, the JBL Boombox 2 brings powerful sound and bass to keep the party going. It's one of the best Bluetooth speakers that you can get, and right now it's on sale with an excellent and rare $200 discount.39% off Coway Airmega AP-1512HHCowayCoway makes some of the best air purifiers on the market. The AP-1512HH is a reliable compact unit that's equipped with a 4-stage filtration sustem that reduces up to 99.6% of air pollution particles. This Cyber Monday deal is the lowest price we've seen since early 2021.37% off Amazon 55-inch 4-Series Fire TVAmazonIf you're in the market for a 55-inch entry-level smart TV, the 4-Series is a solid option when it's on sale. The TV's image performance is pretty basic, but it supports 4K, HDR10, and the Fire TV OS, which offers access to all the major streaming services. This $330 sale price doesn't quite match the all-time low of $293 we saw over the summer, but it's still a great discount.26% off Hydro Flask 32 oz. Wide Mouth BottleMarathon SportsHydro Flask makes some of our favorite water bottles — they're basically indestructible without being bulky or heavy, and keep hot and cold beverages at their original temperature for at least 12 hours. It's a solid, pragmatic gift for anyone who complains about forgetting to hydrate or is on the hunt for a reliable thermos.37% off Revlon One-Step VolumizerAmazonWhile Dyson's Airwrap definitely lives up to its reputation of a coveted hair tool, it's over $400. The Revlon One-Step brush, however, is a much better value for similar results and is additionally even cheaper thanks to its current Cyber Monday discount.33% off Keurig K-Mini Coffee MakerTargetAvailable in a range of cute colors, this slim, 5" Keurig fits easily on even the most crowded counters. At 33% off, it's a great gift for anyone who prefers the ease of coffee pods.50% off Fire TV Stick 4KAmazonFor 4K TV owners, the Fire TV Stick 4K offers sharper and more detailed streaming at the resolution you need. Currently down to $25, this discount matches the previous all-time low we've seen for the Fire TV Stick 4K, making now an excellent time to buy.50% off Fire TV Stick LiteAmazonAmazon's most affordable and simple Fire TV device, the Fire TV Stick Lite works by simply plugging into an HDMI port and connecting to the internet to bring your favorite services to your TV. Currently down to $15, this is a new all-time low and an especially worthwhile deal for an entry-level streaming device.46% off Amazon Echo Show 8In addition to a touchscreen, the Amazon Echo Show 8 has buttons for mute and volume, and a privacy slider that hides the camera.Isabel Fernández and Crystal Cox/InsiderThis mid-range, 8-inch smart display in Amazon's Echo Show line up is the best for most people who want a smart speaker that also lets you conduct video calls and stream videos. Priced at $70 for Cyber Monday, it's at the lowest price we've ever seen it.20% off Olaplex Hair Perfector No 3 Repairing TreatmentAmazonThough pricey, Olaplex's Hair Perfector is a cult favorite in beauty circles. At 20% off, it makes a thoughtful gift for anyone heard complaining about their split ends in the winter, this immensely popular hair treatment repairs brittle, dry hair and adds much-needed moisture.75% off LifeStraw Personal Water FilterAmazonLifeStraws are portable filters that can make even some of the murkiest standing water drinkable. For backpackers and hikers, a LifeStraw can be an invaluable tool in dire situations. Down to only $13 (that's a whopping 75% off), now is a great time to stock up.43% off Chamberlain myQ Smart Garage Door OpenerBest BuyThe Chamberlain MyQ Smart Garage Door Opener is a useful device that lets you open and close your garage door from anywhere with the companion mobile app on your phone. It was a reader favorite during Prime Day last year, and now for Cyber Monday, it's offered at its lowest price in a year.Read the original article on Business Insider.....»»

Category: worldSource: nytNov 28th, 2022

Live: 200+ best Cyber Monday deals to shop before it"s too late

Black Friday might be over, but Cyber Monday deals are coming in fast. We're rounding up the best discounts from Amazon, Walmart, and more. Keep this page bookmarked as we'll be regularly updating this page with the latest deals.Nintendo; Amazon; Alyssa Powell/InsiderWhen you buy through our links, Insider may earn an affiliate commission. Learn more.Cyber Monday officially starts today, and with it comes sales that are often better than Black Friday. Amazon, Best Buy, and Walmart have some of the best discounts we've seen on products across every category.There are big savings on streaming services, Apple products, 4K TVs, and more. Check back regularly as our expert team of reporters and editors will be rounding up all of the very best deals through Cyber Monday.Top early Cyber Monday deals available right nowPeacock Premium plan: $0.99/month (80% off)Hulu x Disney+ bundle: $4.98 per month (55% off)Samsung 65-inch OLED 4K TV: $1,797 (40% off)Apple AirPods Pro (2nd Generation): $200 (20% off)Roku Streaming Stick 4K (2021): $25 (50% off)Revlon One-Step Hair Dryer: $25 (37% off)Hydro Flask 32 oz. Wide Mouth Bottle: $33 (26% off)Home Accents Festive Pine Christmas Tree: $50 (29% off)Kindle Paperwhite: $95 (32% off)Dyson v10 Absolute Cordless Vacuum: $400 ($200 off)10% off L.L.Bean Percale Sheet Set (Queen)L.L.BeanThese are our favorite sheets after testing dozens of sets. L.L.Bean doesn't often have sales, but right now you can save 10% with the code WONDER10.8% off the Apple Watch UltraAppleThis isn't a huge deal for the Apple Watch Ultra, but it's the best deal we've seen for this model that was only released in September, and a discount is a discount for such a popular and expensive smartwatch.15% off the Cricut Explore Air 2WalmartThe Cricut Explore Air 2 is your personal DIY cutting machine. It flawlessly cuts designs on over 100 types of materials, including vinyl, cardstock, faux leather, adhesive foils, specialty paper, poster board and more. This isn't the lowest price we've seen, but the machine often sells for $250.32% off the Midwest Steel Pet GateChewyMidwest's reliable pet gate is an excellent solution for keeping pets safely separated from houseguests and off-limit rooms. It is available at an all-time low price right now.25% off personalized candles from Birthdate Co.Birthdate CoCurrently 25% off for Cyber Monday, this candle is customized with scents associated with your (or someone else's) birthdate. Beyond offering a custom smell, it features writing on the container that reveals personality traits around that specific birthday. Up to $35 off Aheaplus Hall Tree with Storage BenchAmazonThis discounted storage bench has plenty of shelves and hooks to maximize your space. Place it in your hallway for easy access or stick it in a closet to keep organized. When you apply the $15 coupon on the product page, you can get this at an all-time low price.23% off Apple MagSafe ChargerAmazonWhile this deal isn't as good as the $27 deal we saw a year ago, it's pretty close. At $30, it's an opportune time to get Apple's MagSafe charger to charge the iPhone 12 or newer at the fastest 15W speed they support. $11 off Black+Decker Dustbuster Lithium Hand VacuumWalmartWhile we haven't tested this model, Black+Decker handheld vacuums swept all the categories in our handheld vacuum guides. At under $25 this Cyber Monday, this is a steal for a Dustbuster.47% off Levis's Women's Faux Fur Line Hooded Parka JacketAmazonBefore the temperature drops too low, snag a jacket with a half faux fur half quilted lined interior for 33% off during Cyber Monday.48% off Amazon Smart PlugAmazonNearly half off its original price, save 48% on the smart plug that pairs with your Alexa to control the lights, fans, and appliances automatically at home or remotely when you forget to.32% off GE Top Control Built-In Tall Tub DishwasherHome DepotGE Top Control Built-In Tall Tub Dishwasher (GDT550PYRFS) is available in four colors to match your decor, operates quietly, and has impressive drying capabilities. During Home Depot's Cyber Monday sale, it's 32% off.$30 Withings Body+WithingsThe Body+ by Withings features full body composition measurements that include BMI, water percentage, muscle and bone mass, and even a pregnancy tracker. It's one of the best smart scales on the market and it's on sale for $30 off its normal price during Cyber Monday.50% off FIFA 23 (PS5)Champione, Champione, Champione, Olé, Olé, Olé!FIFA 23.The world's most popular soccer simulator is back, and this year's version will contain special content for the 2022 World Cup, including all 32 qualified teams, an online tournament mode, and customizable groups. You can get $35 off right now on the PS5 edition.24% off NutriBullet Single-Serve BlenderAmazonIf you're making smoothies for one and don't want to invest a lot of money or space in a blender, the NutriBullet Personal Blender is on sale for $20 off its usual price. It comes with a 24- and 18-ounce cup, blade, lip rings, and base. This isn't the lowest price we've seen but it's still a solid deal.$75 off Pax 3 Complete KitPax 3 VaporizerPax LabsThe Pax 3 is one of the best cannabis vapes you can buy right now, thanks to its modern, inconspicuous design, exact temperature control, and easy-to-use, single-button operation. Add in an industry-leading 10-year warranty, and this is a no-brainer for anyone looking for a go-to portable smoking solution. The complete kit is currently $75 off.$100 off Hyperice Hypervolt 2 ProHypericeThe Hypervolt 2 Pro is Hyperice's best massage gun, offering five variable speeds, three hours of battery life, and a number of swappable head attachments. It's on sale for $100 off its normal price during Cyber Monday which is one of the best deals we've ever seen for it.$30 off Chefman TurboFry Air FryerWalmartLarge enough to feed a family of at least four, Chefman TurboFry Air Fryer can churn out crispy fries, wings, and more without a ton of oil. Get it now during Cyber Monday at an all-time low price.$50 off Echo Show 5Hollis Johnson/Business InsiderIf your giftee already has the Echo Dot, you can grant this upgrade for about the same price. At almost 60% off, this model features a screen they can use for everything from content streaming to video calls.27% off Leesa Original Mattress (Queen)LeesaThough people who sleep in a variety of positions have positive things to say about it, the Leesa Mattress provides an exceptional balance of comfort and support for stomach sleepers. It's discounted by 27% during Cyber Monday.10% off KitchenAid 28-Ounce Stainless Steel Cold Brew Coffee MakerAmazonFor a straightforward way to make cold brew, the KitchenAid version is easy to store and simple to clean. It holds 28 ounces of coffee, and you can fit the whole device in your fridge.$100 off Fitbit Sense 2FitbitThe Sense 2 is Fitbit's answer to the Apple Watch, featuring temperature sensing, a built-in ECG, and advanced sleep tracking. It also offers tracking for a wide variety of activities and is compatible with smartphone notifications and some apps. It's on sale for $200 for Cyber Monday, which is $100 off its normal price.$30 off The Last of Us Part IISony"The Last of Us Part II" has sold more than four million copies since its worldwide launch, making it the fastest-selling PlayStation 4 exclusive ever. This $10 deal price matches the all-time low we've seen in the past.50% off Everlane Track PantEverlaneComplete the full tracksuit look with Everlane's Track Pants. At 50% off during Everlan's Cyber Monday sale, this is the best price we've ever seen for these.25% off Jack Black Body Lotion Energizing Gel MoisturizerJack BlackValued at $74, save big on a luxury size of the Jack Black Body Lotion at one of the lowest prices we've seen it at of $39. This deal is available all day on Cyber Monday.$20 off Fire TV Stick 4K MaxAmazonFor the most features you can get in a Fire TV Stick, the 4K Max is what you're looking for. It offers everything the 4K Stick does and more, including WI-Fi 6 support, picture-in-picture, more memory, and a better graphics processor. Down to only $35, this deal matches the best price it's seen in the past.$50 off Fitbit Charge 5FitbitPriced at an all-time low, the Charge 5 hits a budget-friendly price point while offering stellar activity tracking in a smaller footprint than a smartwatch.$700 off Sleep Number i8 360 Smart BedSleep NumberIf you and your partner just can't agree on a mattress firmness, the Sleep Number 360 i8 Smart Bed allows you to customize each side to your perfect firmness, and the bed automatically makes adjustments based on your body's position. Right now, it's $700 off.50% off Blink Outdoor 3rd Gen + FloodlightAmazonThis Bink outdoor floodlight offers 700 lumens of motion-triggered light, is wire-free to set up, and gives you the ability to remotely listen to, see, and interact with people on the other end. It's on sale for 50% off during Amazon's Cyber Monday sale.$38 off Everlane Selvedge Slim Fit JeanEverlaneComing in waist sizes 28-38, Everlane's jeans come in an inclusive range of sizes. On sale for $90 during Everlan's Cyber Monday sale, this a g.....»»

Category: personnelSource: nytNov 28th, 2022

Live: 190+ best Cyber Monday deals to shop before it"s too late

Black Friday might be over, but Cyber Monday deals are coming in fast. We're rounding up the best discounts from Amazon, Walmart, and more. Keep this page bookmarked as we'll be regularly updating this page with the latest deals.Nintendo; Amazon; Alyssa Powell/InsiderWhen you buy through our links, Insider may earn an affiliate commission. Learn more.Cyber Monday officially starts today, and with it comes sales that are often better than Black Friday. Amazon, Best Buy, and Walmart have some of the best discounts we've seen on products across every category.There are big savings on streaming services, Apple products, 4K TVs, and more. Check back regularly as our expert team of reporters and editors will be rounding up all of the very best deals through Cyber Monday.Top early Cyber Monday deals available right nowPeacock Premium plan: $0.99/month (80% off)Hulu x Disney+ bundle: $4.98 per month (55% off)Samsung 65-inch OLED 4K TV: $1,797 (40% off)Apple AirPods Pro (2nd Generation): $200 (20% off)Roku Streaming Stick 4K (2021): $25 (50% off)Revlon One-Step Hair Dryer: $25 (37% off)Hydro Flask 32 oz. Wide Mouth Bottle: $33 (26% off)Home Accents Festive Pine Christmas Tree: $50 (29% off)Kindle Paperwhite: $95 (32% off)Dyson v10 Absolute Cordless Vacuum: $400 ($200 off)24% off NutriBullet Single-Serve BlenderAmazonIf you're making smoothies for one and don't want to invest a lot of money or space in a blender, the NutriBullet Personal Blender is on sale for $20 off its usual price. It comes with a 24- and 18-ounce cup, blade, lip rings, and base. This isn't the lowest price we've seen but it's still a solid deal.$75 off Pax 3 Complete KitPax 3 VaporizerPax LabsThe Pax 3 is one of the best cannabis vapes you can buy right now, thanks to its modern, inconspicuous design, exact temperature control, and easy-to-use, single-button operation. Add in an industry-leading 10-year warranty, and this is a no-brainer for anyone looking for a go-to portable smoking solution. The complete kit is currently $75 off.$100 off Hyperice Hypervolt 2 ProHypericeThe Hypervolt 2 Pro is Hyperice's best massage gun, offering five variable speeds, three hours of battery life, and a number of swappable head attachments. It's on sale for $100 off its normal price during Cyber Monday which is one of the best deals we've ever seen for it.$30 off Chefman TurboFry Air FryerWalmartLarge enough to feed a family of at least four, Chefman TurboFry Air Fryer can churn out crispy fries, wings, and more without a ton of oil. Get it now during Cyber Monday at an all-time low price.$50 off Echo Show 5Hollis Johnson/Business InsiderIf your giftee already has the Echo Dot, you can grant this upgrade for about the same price. At almost 60% off, this model features a screen they can use for everything from content streaming to video calls.27% off Leesa Original Mattress (Queen)LeesaThough people who sleep in a variety of positions have positive things to say about it, the Leesa Mattress provides an exceptional balance of comfort and support for stomach sleepers. It's discounted by 27% during Cyber Monday.10% off KitchenAid 28-Ounce Stainless Steel Cold Brew Coffee MakerAmazonFor a straightforward way to make cold brew, the KitchenAid version is easy to store and simple to clean. It holds 28 ounces of coffee, and you can fit the whole device in your fridge.$100 off Fitbit Sense 2FitbitThe Sense 2 is Fitbit's answer to the Apple Watch, featuring temperature sensing, a built-in ECG, and advanced sleep tracking. It also offers tracking for a wide variety of activities and is compatible with smartphone notifications and some apps. It's on sale for $200 for Cyber Monday, which is $100 off its normal price.$30 off The Last of Us Part IISony"The Last of Us Part II" has sold more than four million copies since its worldwide launch, making it the fastest-selling PlayStation 4 exclusive ever. This $10 deal price matches the all-time low we've seen in the past.50% off Everlane Track PantEverlaneComplete the full tracksuit look with Everlane's Track Pants. At 50% off during Everlan's Cyber Monday sale, this is the best price we've ever seen for these.25% off Jack Black Body Lotion Energizing Gel MoisturizerJack BlackValued at $74, save big on a luxury size of the Jack Black Body Lotion at one of the lowest prices we've seen it at of $39. This deal is available all day on Cyber Monday.$20 off Fire TV Stick 4K MaxAmazonFor the most features you can get in a Fire TV Stick, the 4K Max is what you're looking for. It offers everything the 4K Stick does and more, including WI-Fi 6 support, picture-in-picture, more memory, and a better graphics processor. Down to only $35, this deal matches the best price it's seen in the past.$50 off Fitbit Charge 5FitbitPriced at an all-time low, the Charge 5 hits a budget-friendly price point while offering stellar activity tracking in a smaller footprint than a smartwatch.$700 off Sleep Number i8 360 Smart BedSleep NumberIf you and your partner just can't agree on a mattress firmness, the Sleep Number 360 i8 Smart Bed allows you to customize each side to your perfect firmness, and the bed automatically makes adjustments based on your body's position. Right now, it's $700 off.50% off Blink Outdoor 3rd Gen + FloodlightAmazonThis Bink outdoor floodlight offers 700 lumens of motion-triggered light, is wire-free to set up, and gives you the ability to remotely listen to, see, and interact with people on the other end. It's on sale for 50% off during Amazon's Cyber Monday sale.$38 off Everlane Selvedge Slim Fit JeanEverlaneComing in waist sizes 28-38, Everlane's jeans come in an inclusive range of sizes. On sale for $90 during Everlan's Cyber Monday sale, this a great deal for selvedge denim.$190 off Dyson Purifier Cool Formaldehyde TP09 Purifying FanDysonDyson's TP09 fan automatically senses, captures, and traps pollutants, including formaldehyde, a toxic chemical used in building materials like particleboard and plywood. It gets a rare discount of more than $190 off for Cyber Monday.$19 off Away The Packable BackpackAwayThis new travel backpack is ultra-lightweig.....»»

Category: dealsSource: nytNov 28th, 2022

Live: 170+ best Cyber Monday deals to shop before it"s too late

Black Friday might be over, but Cyber Monday deals are coming in fast. We're rounding up the best discounts from Amazon, Walmart, and more. Keep this page bookmarked as we'll be regularly updating this page with the latest deals.Nintendo; Amazon; Alyssa Powell/InsiderWhen you buy through our links, Insider may earn an affiliate commission. Learn more.Cyber Monday officially starts today, and with it comes sales that are often better than Black Friday. Amazon, Best Buy, and Walmart have some of the best discounts we've seen on products across every category.There are big savings on streaming services, Apple products, 4K TVs, and more. Check back regularly as our expert team of reporters and editors will be rounding up all of the very best deals through Cyber Monday.Top early Cyber Monday deals available right nowPeacock Premium plan: $0.99/month (80% off)Hulu x Disney+ bundle: $4.98 per month (55% off)Samsung 65-inch OLED 4K TV: $1,797 (40% off)Apple AirPods Pro (2nd Generation): $200 (20% off)Roku Streaming Stick 4K (2021): $25 (50% off)Revlon One-Step Hair Dryer: $25 (37% off)Hydro Flask 32 oz. Wide Mouth Bottle: $33 (26% off)Home Accents Festive Pine Christmas Tree: $50 (29% off)Kindle Paperwhite: $95 (32% off)Dyson v10 Absolute Cordless Vacuum: $400 ($200 off)22% off Dame FinDameOne of the best vibrators we've tested, Dame's Fin is an intuitive finger vibrator that's powerful enough to use on your own, but also minimal enough to use during penetrative sex. Dame is currently offering 22% sitewide, so if this won't suit your pleasure, there are plenty of diferent styles to choose from.Read our guide on the best vibrators$30 off Loftie Alarm ClockAmazonLoftie earned our recommendation for best alarm clock thanks to its two-phase alarm system, customizable alarm sounds, white noise features, and excellent integration with Wi-Fi and Bluetooth. The 25% Cyber Monday discount brings it to one of the best prices we've seen all year.Read our guide to the best alarm clocks$50 off RTIC 52-Qt Ultra Light CoolerRTICIn the battle of the best coolers, RTIC is a brand worthy of your attention. Remiscent to Yeti, RTIC coolers cost hundreds of dollars because of how they're constructed: they combine industry-leading insulation with extreme durability. An investment that'll pay off in the long run, RTIC's 52-quart cooler is the perfect size for most activities, and it's currently up to 25% depending on the color.20% off The Omsom BundleOmsomIf you're not familiar with Omsom, a company started by two AAPI women, you're missing out on one of the best Asian starter sauces you can buy.Omsom's range of sauces showcase the flavors of East and Southeast Asia, with flavors including Thai larb, Korean bulgogi, Filipino sisig, and more. Simply add a packet to your favorite vegetables or protein, and you're all set. While the packets are available on Amazon, Omsom is offering 20% off sitewide for Cyber Monday.Read our full review of Omsom$30 off Keychron K1 SE Mechanical KeyboardKeychronThis low-profile mechanical keyboard is compatible with Windows, Mac, and Android devices, with an option for Bluetooth wireless. The perfect starter mechanical keyboard, the K1 SE is made with aluminum to give it a sturdier feel than plastic competitors, and costs less than more popular brands like Logitech MX and Apple's Magic Keyboard. Read our review of the Keychron K1 SE mechanical keyboardJ.Crew Cascade BootJ.CrewThese classic hiking-inspired boots with bright red laces combines timeless with trendy. Constructed like vintage alpine boots, they feature rough-out suede uppers and a rubber outsole. They're currently 35% off, and you can save an additional 10% with the code CYBER.$780 off Burrow Field 4-Piece Sectional LoungerBurrowThere are a lot of contenders when it comes to the "best couch," and Burrow is a popular option for a reason. Burrow's modular setups are easy to break down and can be assembled with zero tools. Added bonus: All Burrow couces come equipped with built-in USB ports. The brand's Cyber Monday sale sees up to 50% off with the code BF22 — we particularly love the Field sectional for its deeper seats and plusher cushions.Read our guide on the best places to buy a couch$30 off Brightland Artist CapsuleBrightlandBrightland makes quality olive oil and vinegar with pretty, sun damage-proof bottles and this particular set was one of Oprah's favorites this year. It's discounted 20% for Cyber Monday, an excellent deal that includes four cold-pressed infused olive oils. Read our full review of Brightland22% off Big Fig MattressBig FigThe Big Fig Mattress is constructed for heavier individuals with firm support and a high weight capacity for both the bed and the foundation that comes with it. Save $300 on the Big Fig Mattress when you use the promo code WORTHIT at checkout.20% off Beats Fit ProBeats by DreBeats Fit Pro are among our top-rated wireless earbuds, thanks to Apple's wireless technology, solid noise-canceling, and flexible wingtips that tuck into the ear for a secure fit. They are are excellent everyday buds, but even better for fitness activities. $160 is the lowest we've seen it all year.60% off Google Nest Mini (2nd Generation)Best BuyThe Google Nest Mini is a compact and effective smart speaker that's powered by the very useful Google Assistant. Right now, it's one of the best prices we've seen for the device.40% off Eufy RoboVac X8AmazonThe Eufy Robova X8 features the brand's top features, including twin turbines, intelligent laser navigation, and intuitive smartphone controls. Down to $300, this is a solid deal with a $100 discount.40% off AllModern Williams Two-Drawer NightstandAllModernClass-up your bedroom with this mid-century nightstand, complete with two drawers and minimalist accents. This nightstand comes in walnut, acorn, white and gray finishes. It's on sale for $243, but you can get another 25% off with the code GET25.15% off all-new 2022 KindleBlack Friday 2022 All-New KindleAmazonAmazon's newest Kindle is now on salw for $15 off. You can get it for just $85, which is a great deal if you're looking for a small, light-weight e-reader. The All-New Kindle is actually Amazon's lightest e-reader yet, weighing in at just over a third of a pound.25% off Jambys Long JambysJambysLong Jambys are sustainably made modal, which comes from tree fibers. The material is incredibly soft and comfortable. On sale for $55, this is a great deal on premium loungewear.30% off Nike Infinity ReactNikeDesigned to be lightweight and breathable, yet durable and responsive, the Infinity React 3 caters to the needs of most runners. Originally $160, they're currently on sale for $111.98.30% off Nomad Base One MaxNomadThe Nomad Base One Max is a compact but fast-charging wireless pad. It can support one smartphone and one smartwatch at the same time, and if you're charging a compatible iPhone, it has MagSafe features too. Nomad products are always expensive, but this model is more than $50 off today.20% off Goal Zero Lighhouse 600 Lantern & USB Power HubAmazonA reliable lantern is great in an emergency or an ordinary power outage. The Lighthouse 400 is one of our favorite lanterns, and the 600 provides even more lumens of adjustable light. You can charge the lantern in several ways, including via USB or a hand crank. Currently on sale for Cyber Monday, it's discounted 20%.33% off Corsair K70 RGB Cherry MX Mechanical KeyboardBest BuyMechanical keyboards give every keypress a satisfying sound and tactile response. Good mechanical keyboards can be expensive, but this weekend, this RGB-enabled model from CORSAIR — one of the best brands around — is $50 off.50% off Urban Decay Naked3 Eyeshadow PaletteSephoraFor creamy and pigmented neutrals, it's hard to beat Urban Decay's line of Naked eyeshadows. Urban Decay Naked eye shadow palettes can cost over $50, but for Cyber Monday, you can get the Naked3 palette for under $30. 15% off KitchenAid 3-Piece Pasta Roller & Cutter SetLily Alig/InsiderWith the KitchenAid 3-Piece Pasta Roller & Cutter Attachment Set, you turn your stand mixer into an all-inclusive homemade pasta maker. When you clip the coupon on the product page, you can save an extra $25, making it the lowest price we've seen in years. 40% off REI Co-Op Men's Trailbreak 30 Sleeping BagREITo find a premium sleeping bag that costs less than $100 is often a fool's errand but the REI Co-op Trailbreak 30 is the exception. With a temperature rating of 30 degrees, this bag is great for shoulder season camping and its 3-panel hood makes it easy to get nice and cozy when the temps get especially cold. This is just $60 during REI's Cyber Monday sale — you won't find a better deal.43% off Bissell SpinWave Robot VacuumJames Brains/InsiderThe Bissell SpinWave Robot Vacuum picked up all the pet hair on carpet in our tests and has a great assortment of mop attachments and accessories. The company is also committed to helping homeless pets and helps them find loving homes. During Cyber Monday, it's at an all-time low price.40% off Lego Classic 90 Years of Play Building Set (11021)WalmartThe Lego Classic 90 Years of Play Building Set (11021) comes with 15 mini builds, including a golden dragon and sphinx. During Cyber Monday, it's 40% off.45% off Hasbro Connect 4 GameWalmartThe gameplay is simple in this classic strategy game: take turns dropping discs into the grid, and the first person to get four discs in a row wins. During Cyber Monday, it's at an all-time low price.37% off Topo Designs Women's Dirt CoverallsREIAvailable in two colors, these coveralls feature a belnd of organically grown cotton and spandex for a broken-in feel and the right amount of stretch. It also has two spacious front pockets and a pair of back pockets for all your essentials.33% off Animal Crossing: New HorizonsAmazonAnimal Crossing: New Horizons is one of the best life simulation games around. Customize your island, collect fish and fossils to donate to the museum, or run around with friends — it's all up to you. And right now, you can pick up a copy of the game from Best Buy for only $40, which matches one of the lowest prices we've seen.30% off Outerknown Men's Blanket ShirtOuterknownOuterknown's famed Blanket Shirt comes in a wide range of flannel patterns, from neutral prints to bright colors, but the real sell is its sustainability: It's made from 100% organic cotton, with corozo buttons made from tagua palm nuts to replace plastic ones. Right now, you can snag it for 30% off.30% off MVMT Men's Legacy SlimMVMTMVMT makes some of our favorite affordable luxury watches, and all versions of this model are currently on sale for under $90. It features a minimalist analog design with different variations of watchbands, from brown leather to gold mesh.25% off Rhone Session 1/4 ZipRhoneRhone's Session 1/4 Zip is the perfect layer for pre or post-workout. It's a breahtable, lightweight pullover that also offers UPF50+ sun protection, and it's currently 25% off for Cyber Monday.20% off Ooni Koda 12 Gas Powered Pizza OvenOoniFor making restaurant-quality pizza at home, you can't go wrong with Ooni. The Kodak 12 can reach up to 950 degrees Fahrenheit and cook your pie in 60 seconds. Currently, you can score it for 20% off.35% off Mophie 3-in-1 15W Wireless Charging StandAmazonA stand built to charge your iPhone, Apple Watch, and AirPods at the same time, this 3-in-1 charger from Mophie gives you "super-fast" charging with 15W charging speed. It's currently priced the lowest we've ever seen, and makes a great addition to any desk or workspace.28% off LG 75-inch LED 4K Smart TVBest BuyWith $230 off, this is a fantastic deal for such a large TV. This LG 75-inch comes with everything you need — 4K, ultra high-definition, access to 300+ free LG channels, as well as WebOS compatbility with all the top streaming services like Netflix, Hulu, Disney Plus, and more.24% off Apple iPhone 14 Leather Case with MagSafeAmazonApple's leather iPhone cases are designed to perfectly hug and protect your device without adding too much extra bulk. They're also MagSafe compatible, super stylish, and sleek, with a variety of different available colors — some of which are currently down to only $45 for the iPhone 14.33% off Big Brain Academy: Brain vs. BrainAmazonBig Brain Academy is Nintendo's premiere brain-training game series. This entry includes hundreds of math, logic, and visualization puzzles to test your knowledge, all for only $19.99 — the best price we've seen for it.30% off OXO Brew Gooseneck Electric KettleAmazonDurable, fast, and cord-free, the OXO Brew Gooseneck Electric Kettle is a full-featured option to keep on your countertop. It includes adjustable temperature control, a built-in timer, and a 30-minute keep warm cycle. Down to only $73, this is a rare drop on a premium kettle.45% off Hamilton Beach Smoothie Electric BlenderWalmartThe Hamilton Beach Smoothie Electric Blender performs low-lift blending jobs at a budget price. This Cyber Monday deal puts it at an all-time low price.60% off JLab Go Air Pop Bluetooth EarbudsJLabJLab Go Air Pop Bluetooth Earbuds give you the true wireless experience without breaking the bank. During Cyber Monday, they're 60% off, the lowest price we've seen.$100 off LG 42-inch C2 OLED 4K TVAmazonThe C2 is one of the best OLEDs you can buy and it comes in a small 42-inch size that's perfect for gamers who want to use it as a monitor and TV. This $900 sale price is the best deal we've seen so far.54% off Amazon Blink Mini (2-Pack)BlinkAffordable and user friendly, the Amazon Blink Mini home security camera is an indoor security for first timers. It has both 1080p camera footage quality and a black-and-white night mode. Save 54% with an all-time low price on the security system this Cyber Monday.30% off BioLite Firepit+BioLiteAn elegant marriage of technology and design, the BioLite FirePit+ not only excels at grilling but comes equipped with an onboard battery and an airflow design that keeps smoke at a minimum. It's so good at keeping fumes at bay that we named it the best smokeless fire pit in our guide. Right now, you can save 30%, which is one of the best prices we've seen for it.52% off Roku PremiereAmazonWalmart is offering an exclusive deal on the Roku Premiere streaming player, offering 52% off the usual price. While we generally prefer the Roku 4K Streaming Stick thanks to its portability and small form factor, the Roku Premiere is good for people who prefer a traditional set-top box near their TV.28% off Tile Mate Bluetooth Tracker (2022)AmazonThe Tile Mate is designed to help you find easily misplaced items and attaches to keys, pet collars, and other important items. During Cyber Monday, it's at the lowest price we've seen this year.$40 off OXO Brew 8-Cup Coffee MakerAmazonSleek and minimal, Oxo's 8-cup-capacity coffee maker reliably delivers a great cup. Its double-wall, vacuum-insulated thermal carafe keeps the contents warm for hours, but it can also accommodate taller mugs if you're taking yours to go. Right now, you can save $40 with this Cyber Monday sale.$20 off Cosori 5-quart 9-in-1 Air FryerAmazonCosori makes reliable and affordable small kitchen appliances. This air fryer has a nonstick basket and, holding enough food for up to four people, it's perfect for small groups and spaces. You can get a 15% discount for Cyber Monday, plus an extra $5 off using the on-page coupon.40% off Lego Classic 90 Years of Play Building Set (11021)WalmartThe Lego Classic 90 Years of Play Building Set (11021) comes with 15 mini builds, including a golden dragon and sphinx. During Cyber Monday, it's 40% off.31% off Osprey Men's Skarab 18 Hydration PackAmazonOsprey's Skarab 18 hydration pack is perfect for trail runners and cyclists, featuring a 2.5-liter water reservoir and a comfortable design. It's on sale for $70 during REI's Cyber Monday sale.$10 off Tramontina Primaware 18 Piece Non-stick Cookware SetWalmartWhether you're replacing some old cookware or need to furnish your new kitchen, this 18-piece set has all of the essentials you need. It comes with three saucepans, two saute pans, a griddle, a Dutch oven, a foldup steamer, three spoons, and two turners for only $40.30% off Igloo 60 qt. EcoCool Roller CoolerIglooOwning a cooler with wheels is the definition of true outdoor luxury and this Igloo roller cooler is one of our favorites. It features a rugged design, an easy-to-use telescoping handle, and a pair of oversized wheels that can take on a variety of terrain. Pick one up for just $65 during REI's Cyber Monday sale.55% off Razer DeathAdder Gaming MouseAmazonDon't let the edgy name fool you — the Razer DeathAdder is a fantastic mouse for gamers, programmers, and even regular users. With rubber grips, eight programmable buttons, and an ultra-sensitive 20,000 DPI sensor, the DeathAdder is one of the best gaming mice around. And during Cyber Monday, the price has come down to about $31, which is a fantastic deal.20% off Baggu Standard BagguCara CaraBaggu is the gold standard in reusable bags. Not only are they cute as can be, but they can hold up to 50 pounds, are made of ripstop nylon, and come in over 40 fun colors and patterns. Right now, everything on the Baggu website is 20% off.$400 off LG 3.1.3 Channel Soundbar with Wireless SubwooferBest BuyIf you're setting up a home theater, the one thing you need above all else is a good subwoofer. And this LG soundbar comes with a sturdy wireless subwoofer so you can feel every explosion and bass note. Best Buy is selling it for $400 off right now, which is a fantastic deal for this model.$30 off Closca Helmet LoopCloscaFor bikers who commute to work (or just hate lugging around a bulky helmet), this one folds up to nearly half its size to be stashed away when not in use. Select colors are now available for under $50 on both the Closca website and retailers like Amazon.25% off The North Face Hydrenalite Down HoodieREIThe North Face Hydrenalite Down Hoodie is both stylish and functional, and is available in six different colors to match anyone's personal style. For REI's Cyber Monday sale, it's discounted to $150, which is $50 off its normal price.$35 off Lego Optimus PrimeAmazonLike its Transformers namesake, the Lego Optimus Prime can actually change from its robot form into a truck without needing to rebuild. This is a sought-after Lego set and it's at its lowest price ever on Amazon and Walmart.$22 off Super Mario OdysseyAmazonSuper Mario Odyssey has been called "the ultimate collect-a-thon," and one of the best games released for the Nintendo Switch. Right now it's down to $37, a rare and substantial discount for such a popular game.$63 off Furbo 360° Dog CameraFurboFurbo's newest dog camera rotates 360 degrees so you can keep an eye on your pet anywhere in the room. The 1080p camera has 4x zoom along with night vision. It's on sale for $147 during Cyber Monday which is an all-time low price.10% off Casper The Glow LightCasper/InstagramThe Casper Glow Light is a wireless, portable night light that uses intuitive gestures for a beautiful, streamlined experience. It's on sale for 10% off during the company's Cyber Monday event.25% off Dagne Dover Dakota Neoprene BackpackDagne DoverDagne Dover makes some of our favorite backpacks, beloved for their comfortable and sleek design. Right now, you can get 25% off with the code BFRIYAY25 for Cyber Monday.$44 off Everlane ReLeather Court SneakerEverlaneThe ReLeather Court Sneaker is a comfortable everyday sneaker made out of recycled leather. For the Cyber Monday sales event, they're priced down to $66, which is one of the best deals we've ever seen on these shoes.$100 off Vizio 70-inch MQ6 QLED 4K TVBest BuyVizio's latest MQ6 4K TV model uses quantum dots to deliver a wide range of colors. It doesn't support local dimming like some of the brand's more expensive models but $650 for a 70-inch QLED TV is a great price.$60 off WD BLACK SN850X 1TB Internal Gaming SSDAmazonIf you're in the market for an upgraded internal SSD, this already affordable and high-performing configuration is now available at an all-time low price of $99.$50 off Fitbit LuxeThe Fitbit Luxe with a classic wristband being heldLisa Eadicicco/InsiderThe Fitbit Luxe is a great option for the fashionistas in your life who don't like the look of a traditional smartwatch. For Cyber Monday, it's on sale for $80 — the lowest price we've seen.$250 off Vitamix 5200 BlenderThe VitaMix 5200 Series Blender.AmazonThe Vitamix 5200 is an easy-to-use, easy-to-clean blender with the power and speed variation to handle any task. This is a pricey blender, so any discount is welcome, and $300 matches the price we saw during Black Friday.56% off Amazon Halo ViewIsabel Fernández and Crystal Cox/InsiderThe Amazon Halo View is a basic fitness tracker that offers a comprehensive suite of features designed to help improve your overall health and wellness. At just $35 during Cyber Monday, you won't find a better deal on a wearable as good as this.43% off Chamberlain myQ Smart Garage Door OpenerBest BuyThe Chamberlain MyQ Smart Garage Door Opener is a useful device that lets you open and close your garage door from anywhere with the companion mobile app on your phone. It was a reader favorite during Prime Day last year, and now for Cyber Monday, it's offered at its lowest price in a year.$120 off Sony WH-1000XM4 noise-canceling headphonesSonySony's WH-1000XM4 is our go-to pair of headphones for balance, sound quality, noise-canceling performance, and price. They're on sale for $228 for Cyber Monday, which is the lowest price we've ever seen them discounted to.$70 off Meta Quest 2 Bundle (256GB)MetaThe Meta Quest 2 VR headset (256GB) is now on sale with two free games. This special holiday bundle includes Beat Saber and Resident Evil 4 for $430. You can usually get the 256GB headset for $500 with Beat Saber, so this package saves you $70 and adds another free game.$50 off Theragun MiniTherabodyTherabody's fourth generation of massage guns introduced the Theragun Mini, a portable device that packs a percussive punch in a much smaller package. It's our favorite entry-level massage gun and it's on sale for $150 for Cyber Monday which is around the lowest price we've ever seen.$60 off Ring Floodlight Cam Wired PlusThe Home DepotRing's Floodlight Cam Wired Plus combines the standard Spotlight Cam with a set of motion-activated floodlights for better lighting. The camera itself streams and records at 1080p resolution and is also motion-activated, and it includes a siren and two-way talk. This Cyber Monday deal matches the lowest price we've ever seen.$50 off Roku StreambarBest BuyThe Roku Streambar is a compact soundbar that also acts as a streaming device, giving you an all-in-one option for crisp Dolby Audio and crystal clear 4K, HD, and HDR graphics. It's discounted by $50 to $80 overall, making this a great time to buy.Best Cyber Monday streaming dealsPavlo Gonchar/SOPA Images/LightRocket via Getty ImagesThere are tons of great streaming deals during Cyber Monday. See our review of the best streaming services to see which one the best for you.Discovery Plus: The service's Ad-Lite plan is already very affordable year round, but right now you can join the service for only $1 a month for your first three months. It's an excellent deal we only see during major deal events, like Cyber Monday.Disney+ and Hulu: During Cyber Monday, you get Hulu (with ads) and Disney+ (no ads) for just $5 per month for a full year. This deal saves you $11 per month off the regular price of the two services when purchased separately.HBO Max: HBO Max rarely sees discounts for subscribers, but now through November 28, new and returning subscribers can get their first three months of the ad-supported plan for only $6.Hulu: New and returning members can get their first year for only $2 a month when they sign up before November 28. Paramount Plus: Now through November 27, new and returning subscribers can get 50% off an annual plan of Paramount Plus, bringing the Essential plan down to only $25 for a full year of content. Peacock Premium: Now through November 28, new subscribers can lock in a year of Peacock Premium for $1/month. That's about 80% off the regular $5 monthly price.Stellar deals on tech brands from across the webApple; Amazon; Alyssa Powell/InsiderTech is synonymous with Cyber Monday, and we're seeing big discounts on TVs, computers, cameras, phones, accessories, gaming gear, and more. In addition to deals from major retailers like Amazon, Best Buy, Target, and Walmart, most tech companies are offering savings at their online stores. Here are our favorite companies whose products we've tested and trust.Adobe: Creative Cloud All Apps is 27% off for all users for the first year, 71% off for students and teachers for the first year; 40% off Adobe Photoshop Elements and Premier Elements.Anker: 20% to 25% off power banks and charging stations.Apple: Gift cards of varying amounts on qualifying purchases.Belkin: 25% off sitewide with code BF22.Bellroy: Up to 33% off phone cases, bags, wallets, and accessories.Case-Mate: Up to 60% off sitewide with code BFCM22, include LuMee, Pelican, and Fuel.CD Keys: Up to 96% off games for PC, Xbox, and PlayStation.Courant: 20% off sitewide on chargers and accessories.Dell: Up to 60% on laptops, desktops, and monitors.DJI: Up to 30% off select drones and cameras. Epson: Up to 46% off select printers, projectors, and business machines.Goal Zero: Up to 20% off select power stations, portable batteries, solar panels, lights, and more.Google: $50-$150 off Google Pixel Watch and Pixel 7 smartphones.GoPro: 15% off sitewide on cameras, accessories, and more.Griffin: 50% off sitewide on cables, chargers, batteries, and more.HP: Up to 71% on laptops, desktops, monitors, printers, and more.Incase: Up to 50% off sitewide on bags, laptop sleeves, cases, and more.Incipio: Up to 50% off sitewide on phone cases and accessories.Insta360: Save up to $75 on cameras.LastPass: 25% off until 11/29.Logitech: $30 off orders over $150 and $50 off orders over $250 with code BF22USD.Microsoft: Up to $600 off Surface Pro tablet laptops.Moment: Up to 60% off select phone cases, lenses, cameras, and other photography accessories.Motorola: Save up to $1,000 on select phones.Nikon: Save up to $1,000 on DSLR and mirrorless cameras, lenses, and binoculars.Nintendo: Save up to $20 or 33% on select games.Otterbox: Free shipping on orders over $50.Peak Design: Up to 30% off camera bags and accessories.Philo: New subscribers save 80% off their first month until 11/30 with code THANKS.Samsung: Up to $350 off Samsung Galaxy Z foldable smartphones.Satechi: 25% off sitewide with code BFCM25 or 30% off $150 or more with code BFCM30.Sony: Save up to $1,500 on TVs, cameras, headphones, and other consumer electronics.Speck: 40% off sitewide until 11/27; 50% off sitewide 11/27-11/28.Steam: 20%-90% off select games until 11/29.ZAGG: 40% off sitewide on ZAGG, Mophie, InvisibleShield, and Gear4 computing and mobile hardware and accessories.Shop big sales from nearly every major mattress brandLeesa/InstagramMattresses are an expensive yet important purchase. Fortunately, during Cyber Monday, you can save hundreds of dollars on top brands, including Casper, Purple, Nectar, and more. Don't know which mattress to buy? Our mattress expert has tested more than 60 mattresses and lists the best in our mattress guide. Also, check out our best Cyber Monday mattress deals hub.Amerisleep: Get $450 off any mattress and free accessories using the promo code AS450.Avocado: Get 10% off sitewide using the promo code SAVE10.Awara: Get $300 off any mattress and a free cotton sheet set, two latex pillows, and a mattress protector.Bear: Get 35% off sitewide and free accessories.Beautyrest: Save up to $800 on select mattresses.Big Fig Mattress: Get $400 off mattresses using the promo code FRIYAY.Birch: Get $400 off mattresses and two free pillows using the promo code FALLSALE400. Brooklyn Bedding: Get 30% off sitewide using promo code BFRIDAY30.Casper: Save up to $800 on mattresses using the promo code BFCM22-B.Cocoon by Sealy: Get 35% off the Chill mattresses and get a free set of sheets and pillows. DreamCloud: Get 25% off mattresses and $599 worth of accessories, including sheets, pillows, and a mattress protector. Emma: Get up to 50% off sitewide.Ghost Bed: Up to 50% off all mattresses and adjustable base bundles and get two free pillows.Helix: Save $150 when you spend $600 using promo code BFWKND150, save $250 when you spend $1,249 using promo code BFWKND250, save $300 when you spend $1,700 using promo code BFWKND300, save $350 when you spend $2,550 using promo code BFWKND350, save $400 when you spend $2,700 using promo code BFWKND400, and save $450 when you spend $2,950 using promo code BFWKND450. Plus, all purchases include two free pillows. Leesa: Save up to $700 on mattresses with two pillows included.Mattress Firm: Get up to 50% off mattresses during the Cyber Monday sale.Nectar: Get 33% off sitewide.Nest Bedding: Up to 50% off select mattresses.Nolah: Save up to $700 on mattresses and get two free pillows during the Cyber Monday sale.   Purple: Get $700 off the Purple Plus Mattress plus adjustable base.Saatva: Get up to $450 off select mattresses during the sale.Serta: Save up to $800 on select mattresses and mattress sets.Siena: Save $200 off any mattress.Sleep Number: Up to 40% off select beds.Tempur-Pedic: Get 30% off the Tempur-Pedic Cloud mattress when you use the Insider exclusive promo code BI30.Tuft & Needle: Save up to $750 on mattresses.Wayfair: Save on big-name mattress brands like Beautyrest and Sealy. Check out our Wayfair deals roundup.Zinus: Save up to 40% off select mattresses. Editor's note: Zinus is facing a class-action lawsuit claiming that fiberglass in the company's mattresses has led to serious health issues. Check out our full article on the lawsuit for more details.Zoma: Save $150 on all mattresses using promo code WIN150.Shop big deals on luggage from across the internetRachel Askinasi/InsiderTravel is back and it's a great time to stock up on those travel essentials you may have neglected in the past few years of pandemic. Below you'll find deals on our favorite luggage brands. Away: Up to 40% off suitcases and travel accessories. Check out our full round up of Away luggage deals.Baboon to the Moon: Up to 75% off bags and accessories.Bric's: Up to 50% off Bellagio, MyLife, Siena, and X-Bag lines.Delsey: Save 30% to 60%, plus free shipping.July: Save $30 when you spend $300, $100 when you spend $600, and $200 when you spend $1,000. Monos: Up to 40% off sitewide with code EARLYBF2022. Check out our full round up of Monos luggage deals.Nomatic: Up to 30% off luggage and 50% off travel accessories.Paravel: Up to 30% off, including Oprah's favorite foldable backpack.ROAM: Free Market Tote or Travel Pouch Set with the purchase of any piece of luggage, backpack, or duffel.Samsonite: 30% off sitewide and free shipping.Solgaard: Take 15% to 50% off sitewide. Travelpro: More than 70% off select suitcases and bags, plus save $30 when you spend $200 and $60 when you spend $300.Tumi: 40% off select suitcases, backpacks, and bags.Take 20% off Apple AirPods Pro (2nd generation)AppleThe AirPods Pro (2nd generation) is the latest addition to their AirPods Pro series, a line of mid-range earbuds that feature spatial audio and noise canceling. And for just $200, this is the lowest price we've ever seen.8% off the 2022 12.9-Inch 6th-Generation iPad ProAppleWhile not a huge discount, this 8% deal is rare for such a newly announced Apple device. If you're looking to get the latest 12.9-inch iPad, this deal helps you save $100. If you're not sure you want the latest model, we can help you find the right iPad for your needs.30% off the Oxo Good Grips 7-Piece Pop Container SetAmazonAirtight containers are a must-have for any kitchen. You can store all your baking necessities, including flour, sugar, brown sugar, and more. We can't recommend the Oxo Pop containers enough because they keep cupboards and pantries organized and food fresher. Right now, you can save 30% on this set, which comes with two medium square containers, two tall medium containers, and three small ones.$21 off the Allbirds Women's Wool Runner in Hazy CargoAllbirdsThe Wool Runners are some of Allbirds' most popular shoes, and they hold up really well after years of wear. Coming in a green "Hazy Cargo" colorway, this pair of Allbirds pairs well with all your fall neutrals, and they're more than $20 off. Other hues have a similar discount, while the teal and burgundy colorways are down to $64.24% off the Petkit Eversweet Pet Water FountainAmazonThis two-liter water fountain is designed for cats and small dogs. It uses a circulation system to provide oxygenated, fresher, and better tasting water for your furry friend. Right now it's down to only $34, a rare price drop from its typical retail price of $46. We saw a slightly better deal on Black Friday, so it might drop again on Cyber Monday. For more pet deals, we've rounded up Chewy's best Cyber Monday discounts.$1,500 off the LG C1 OLED 83-Inch 4K TVBest BuyLG's C1 beautifully balances performance and design, and the 65-inch model is the top pick in our guide to the best 4K TVs. The OLED panel delivers incredible image quality with an infinite contrast ratio. If you're looking for a giant TV for your entertainment system, the 83-inch is the largest available size and is at an excellent all-time low of $3,000.Save $30 on the Fitbit Versa 3FitbitWith automatic activity tracking and a large screen, the Versa 3 has nearly all the perks of the Fitbit line at a not-totally-absurd price point plus a stylish design. It's now available on clearance, so you can get it with a sweet $30 discount.Save 14% on the Apple Magic Keyboard for iPad Pro 12.9-inchAppleApple's Magic Keyboard is designed to seamlessly attach to the iPad Pro with a comfortable and responsive typing experience, trackpad, and a USB-C port. It's a great way to boost your productivity from your tablet, especially at this excellent price of$300.50% off the Amazon Fire HD 10 TabletAmazonWith 32GB of internal storage, a 1080p HD display, and loads of features like Alexa integration, the Fire HD 10 is one of the most versatile, yet affordable tablets you can buy. Currently on sale for 50% off, it's an even better deal at $75.25% off Bombas SocksBombasBombas makes some of the best socks we've ever tested — even at full price. Right now, you'll save 10% on packs plus an extra 25% on your order, bringing this 8-Pack down to $75.60. Read our full review and shop the entire site.$230 off the Vitamix Professional Series 750 BlenderWilliams SonomaThe Vitamix Professional Series 750 has everything you need in a blender, and its proven longevity makes it worth the price. This Cyber Monday deal is the lowest price we've seen by $60. Check out more Vitamix blender sales going on now.40% off the Everlane Everyone Denim JacketEverlaneFeaturing unisex styling, the Everyone Denim Jacket is easy to wear and style for everyone. Right now, it's $59 — bringing the price down nearly $30.$110 off Fitbit SenseFitbitThe Sense smartwatch has a ton of added features, focusing on heart health and stress management, giving you a more holistic look at your well-being. It's on sale for $140 during Cyber Monday, which is an excellent deal considering how feature-rich this smartwatch is.$80 off Bowflex SelectTech 552 dumbbellsNautilusThe Bowflex SelectTech 552 Adjustable Dumbbells allow you to adjust the weight of each dumbbell anywhere from 5 to 52.5 pounds. They're on sale for $350 for Cyber Monday, which is one of the lowest prices we've ever seen them at, making them a great deal for anyone looking to add to their home gym.19% off Nike Air VaporMax 2021 FKNikeFeaturing a full Air midsole and a Flyknit woven upper, the Vapormax 2021 uses several of Nike's most advanced technologies. Right now, they're 19% off.$50 off Bonobos Stretch Washed Chino 2.0NordstromTaking on the look of classic chinos, this pair features added stretch for comfort. At 50% off, this is a good time to add more colors to your wardrobe.$20 off Elden RingElden Ring / FromSoftwareThis 2022 Game of the Year nominee from the creators of Dark Souls is a challenging adventure, even for experienced gamers. This is one of the best prices we've seen since it released in February.Save up to 40% on Monos luggageMonosShop all Monos luggage dealsBest known for its carry-on with a front pocket fit for a laptop, Monos is home to some of the best luggage and travel accessories we've tested. The travel brand has made a name for itself with its suitcases' convenient organization, as demonstrated by its Pro Plus Carry-on with extra storage space.Travelers can save up to a rare 40% on carry-ons, full-sized luggage, and travel accessories with the code EARLYBF2022. Shoppers can also expect to see discounts of up to 50% off on November 25-27 with the code BLACKFRIDAY2022, and up to 30% off on November 28-December 4 with the code CYBERWEEK2022. $150 off Apple 24-inch iMac M1 2021Apple$150 off Apple's 24-inch iMac running on the powerful M1 processor only makes a dent, but it's still the best price we've seen for this model. If you've been looking for a powerful all-in-on computer that will last a long time, the 24-inch iMac with a deal is a great option.$150 off KitchenAid 5-qt. Artisan Series Fresh Prep Attachment BundleKohl'sOne of the best deals we've seen on KitchenAid stand mixers is this bundle, which combines a 5 quart Artisan mixer with food processing attachments. This matches the sale price we've seen at other retailers, but also includes the Fresh Prep attachment, which usually retails for $60. The deal is available in three colors.30% off Casper Essential PillowAmazonWe're fans of Casper's pillows; we ranked the Original as the best pillow for side sleepers in our buying guide to the best pillows you can buy. The Essential pillow is soft and breathable on the outside and supportive on the inside. At $30, it matches the lowest price we've come across this year.$25 off Sonic FrontiersSegaPlaystation 5Xbox Series X Nintendo SwitchThe latest Sonic the Hedgehog game was released earlier this month and it's already 50% off for Cyber Monday. The game's "open zone" format is new for the franchise but it's gotten generally favorable reviews since its launch.$20 off Everlane Alpaca CrewEverlaneWith over 2500 reviews and four and a half stars, the alpaca crew is an Everlane staple. It comes in 12 colors and is 20% off on Cyber Monday.20% off Seresto Flea and Tick Collar for Large DogsChewyThe Seresto Flea and Tick Collar offer eight months of protection against fleas and ticks in all life stages. It's the only flea collar on the market that we recommend for dogs. For Cyber Monday 2022, Chewy is offering a rare deal we only see a few times a year.30% off PlayStation DualSense Wireless ControllerThere are a number of steps you can take at home with your PS5 console to resolve the connectivity error.YELIM LEE/AFP via Getty ImagesThe PS5 controller is one of the best in the industry thanks to its haptic feedback, built-in microphone, and adaptive triggers. The Cyber Monday discount extends to other colors of the controller, like black, purple, & red.30% off Yeti Rambler 10 oz Wine TumblerAmazonNow 30% off, the Yeti Rambler holds up to 10 ounces of your favorite wine whether you're on a camping trip or on the back patio. The stainless steel interior paired with the double-wall vacuum insulation is what keeps your drink exactly at the temperature you like.40% off Ninja Foodi Two-Basket Air FryerJen Gushue/InsiderThe Ninja Foodi Two-Basket Air Fryer lets you cook two separate dishes at once, and you can time them to finish simultaneously to take the guesswork out of your dinner routine. During Cyber Monday, it's at an all-time low price.$30 off The Legend of Zelda: Breath of the WildNintendoThe Legend of Zelda: Breath of the Wild is the definitive adventure game on the Nintendo Switch, sending players on a sprawling journey across a fantasy world with hundreds of secrets to discover. Right now Walmart is selling it for only $30, a rare discount that puts it at the lowest price we've ever seen.25% off Hydro Flask ToteHydro FlaskThe Hydro Flask Tote makes for the perfect travel bag, especially when storing food because its lightweight, insulated, and fully lined. For Cyber Monday, the tote is 25% off.35% off our favorite do-everything Instant PotJen Gushue/InsiderThe Instant Pot Duo Crisp is a pressure cooker, slow cooker, air fryer, and sous vide machine all in one, making it one of the most useful and economical small appliances we tested. While it's not the lowest we've seen it, it's the best price in months.See our guide to the best Instant Pots and electric pressure cookers.$50 off Oral-B iO Series 6 Electric ToothbrushAmazonStart and end every day with the Oral-B iO Series 6 Electric Toothbrush, now 40% off for Cyber Monday. Complete with five Smart Modes and technology that stores your brushing patterns, this brush comes with one more plus a travel case.$270 off Samsung 75-inch Class TU690T Series LED 4K UHD Smart Tizen TVBest BuyIf you're in need of a large screen for your living room, this Samsung TV is one of the best budget options you can find. While it may not have Samsung's latest display technology, this smart TV is fully featured with support for Alexa and Google Assistant, as well as Apple's AirPlay.17% off Bose QuietComfort II EarbudsAmazonThe Bose QuietComfort II Earbuds are the second rendition of the wireless earbuds, and they're easily one of the best noise-canceling earbuds on the market. At $50 off, they're currently at the lowest price we've seen. $20 off Apple AirTag 4-PackAppleApple's wireless trackers are compatible with the FindMy app on iPhone and iOS devices, and this matches the lowest price we've seen since their release. Just remember, you'll need a keychain holster or something else to keep them attached to your belongings.50% off Headspace subscriptionHeadspaceIf you're looking to exercise some mindfulness, a subscription to Headspace is a perfect place to start, especially at 50% off. The app offers easy-to-navigate guided meditations — from one-off sessions to help with burnout, to full-blown courses on stress and anger — from a variety of teachers, each with different perspectives.$50 off the Xbox Series STargetThe Xbox Series S is one of Microsoft's two current generation consoles, along with the Xbox Series X. Both consoles play the exact same games, but there are differences, most notably that the Series S does not include a disc drive so you can only play digitally downloaded titles. It's currently $50 off, an excellent deal for this powerful and popular console.  51% off Rosyclo Cloud SlippersAmazonWhile not the exact same pair, these cloud slippers are nearly identical in design to the ones our executive editor Sally Kaplan owns and loves. Your discount will depend on the size and color you select, but we're seeing an average savings of 51% on these trendy cloud slippers.20% off Apple MacBook Air M1 (2020)Amazon$200 off the M1 MacBook Air is a superb deal, especially when you consider the M2 MacBook Air starts at $1,200, and isn't usually discounted below $1,000.43% off Lego Classic Bricks and AnimalsWalmartA great gift for the creative builder in your life, this set includes 1,500 pieces for endless construction. At an all-time low price for Cyber Monday, this is an excellent price for a full set, especially when deals on classic Lego kits are so rare.$96 off Wüsthof Classic Hollow Edge 2-Piece Chef's Knife SetAmazonWüsthof is one of the top names in knife making. This set features a 6-inch chef's knife and a 3.5-inch paring knife, which should cover you for most tasks. During Cyber Monday, it's at an all-time low price.$200 off iRobot Roomba i3+, our favorite robot vacuumiRobotThe iRobot Roomba i3+ does more than your average robot vacuum. It develops personalized cleaning schedules and empties itself. It also does an outstanding job of cleaning. That's why we made it the top pick in our robot vacuum guide. Usually, it costs more than your average robot vacuum, but during Cyber Monday, it's at the lowest price we've ever seen.$10 off Best Friends by Sheri The Original Calming Donut Dog BedChewyThe Best Friends by Sheri the Original Calming Donut Dog Bed has a rounded shape that cradles a dog and helps them calm down naturally. It's our top pick for the best calming dog bed and rarely goes on sale. Right now, you can get it for its lowest price ever on select colors.Read our guide to the best dog beds.33% off Razor A Kick ScooterTargetIt doesn't have all of the whistles and bells of an electric scooter, but a Razor A Kick Scooter will still be fun to ride. It's built durably and can collapse to be carried around. During Cyber Monday, it's 33% off, which is the best deal we've seen since 2020.18% off Kasa Smart Plug Ultra MiniAmazonThese smart plugs are low-profile enough to fit behind most furniture and are easy to use for basic smart home functions. During Cyber Monday, they're at the best price we've seen in months.27% off Cetaphil Daily Hydrating LotionTargetDrugstore skincare brand Cetaphil has a cult following among budget-savvy shoppers. The brand's products are formulated for sensitive skin and are fragrance-free. For Cyber Monday, the Daily Hydrating Moisturizer is down $4 from its typical price since this summer. Save up to 38% on Cetaphil's other cleaners and moisturizers too. Read our guide to the best skincare brands for more information on Cetaphil.37% off Anova Culinary Nano Sous Vide Precision CookerAmazonThe Anova Precision Cooker Nano offers accuracy and ease of use at a price unmatched by other sous vide machines. This model rarely goes to a lower price, so it's a good time to buy.See our guide to the best sous vide machines. 50% off Bonobos Stretch Washed Chino 2.0NordstromWith the style and fit of classic chinos, this pair features added stretch for comfort. At 50% off, now is a good time to add more colors to your wardrobe.25% off Bissell Little Green Proheat Portable Carpet CleanerWayfairBissell makes some of our favorite carpet cleaners, and the Little Green ProHeat is a fantastic cleaner for removing stains and messes. During Cyber Monday, save 25% off.Check out our guide to the best carpet cleaners.$200 off JBL Boombox 2AmazonWhen you need music for your gathering, the JBL Boombox 2 brings powerful sound and bass to keep the party going. It's one of the best Bluetooth speakers that you can get, and right now it's on sale with an excellent and rare $200 discount.40% off SodaStream Terra Sparkling Water MakerAmazonIf you're a seltzer fan, then you should consider investing in a sparkling water maker. The Terra is SodaStream's newest model that is also cordless. It comes with one CO2 cylinder and a bottle of lime Bubly Drops. For Cyber Monday, it's an all-time low price.39% off Coway Airmega AP-1512H True HEPA PurifierCowayCoway makes some of the best air purifiers on the market. The AP-1512HH is a reliable compact unit with a 4-stage filtration system that reduces up to 99.6% of air pollution particles. This Cyber Monday deal is the lowest price since early 2021.$30 off Philips SmartSleep Connected Sleep and Wake-Up LightSuzy Hernandez/Business InsiderThe Philips SmartSleep Connected is our top pick for the best sunrise alarm clock. It will help you fall asleep gently and wake up on time by creating stunning sunset and sunrise simulations. Right now, it's 15% off, an all-time low price that we haven't seen since last year.See our guide to the best sunrise alarm clocks.60% off Beats Solo3 Wireless On-Ear HeadphonesBeatsWhile not the newest headphones in the Beats lineup, the Beats Solo3 are still a solid pair of over-ear cans. They don't offer noise-canceling capabilities, but they're still a versatile pair of headphones that deliver balanced sound and 40 hours of listening time. At $80, they're at an all-time low for Cyber Monday with the best price we've seen.13% off TeeTurtle Reversible Narwhal PlushieAmazonMore than just a cuddly stuffed animal, TeeTurtle's reversible plushies let you express your mood. Don't feel like talking to anyone? Just turn the animal to the frowny face side. For Cyber Monday, the narwhal stuffie is a modest 13% off.40% off TikTok's favorite vegetable chopperAmazonOne of TikTok's favorite gadgets, this chopper can dice an entire onion with just a single push of your palm. For Cyber Monday, it's the lowest price we've seen in months at around 40% off. As a bonus, it comes with a spiralizing attachment for making zoodles.62% off National Tree Company Pre-Lit Artificial Full Christmas Tree, 6.5 FeetAmazonIf you're still in the market for a Christmas tree, this 6.5-foot pre-lit Dunhill Fir tree is steeply discounted at 62% off for Cyber Monday; the lowest price we've ever seen for this tree.30% off sauces from Fly By JingFly by JingFly By Jing makes one of our favorite chili crisps, and the By Jing box offers a range of Sichuan sauces, including the tangy Zhong sauce and potent Mala spice mix. At 30% for the first time ever, it's the perfect foodie holiday gift.20% off Olaplex Hair Perfector No 3 Repairing TreatmentAmazonThough pricey, Olaplex's Hair Perfector is a cult favorite in beauty circles. At 20% off, it makes a thoughtful gift for anyone heard complaining about their split ends in the winter, this immensely popular hair treatment repairs brittle, dry hair and adds much-needed moisture.30% off Amazon Smart ThermostatAmazonThe Amazon Smart Home Thermostat is a simple, inexpensive smart home thermostat to control your home's temperature. It doesn't have a microphone or camera, so Alexa voice commands rely on another voice-enabled Alexa device, like an Echo smart speaker. Certain energy providers will provide benefits for switching to an energy-saving thermostat like this one, so be sure to check with yours. Right now, the thermostat is down to an all-time low price.20% off Sengled Smart Light BulbSengledSengled's smart color-changing light bulb is significantly more affordable than bulbs from big names like Philips. For about $12, this single bulb is more affordable than ever.50% off Casper Essential PillowAmazonWe're fans of Casper's pillows; we ranked the Original as the best pillow for side sleepers in our buying guide to the best pillows you can buy. The Essential pillow is soft and breathable on the outside and supportive on the inside. At $30, it matches the lowest price we've come across this year.26% off Hydro Flask Wide Mouth BottleMarathon SportsHydro Flask makes some of our favorite water bottles — they're basically indestructible without being bulky or heavy, and keep hot and cold beverages at their original temperature for at least 12 hours. It's a solid, pragmatic gift for anyone who complains about forgetting to hydrate or is on the hunt for a reliable thermos.See our guide to the best water bottles. 37% off Revlon One-Step Hair DryerAmazonThis hair tool combines styling, drying, and volumizing your hair into one simple step. It's comparable to the expensive Dyson Airwrap, but for a fraction of the cost. Down to $25, this is one of the best deals we've seen for it all year.See our guide to the best hair dryers. 50% off Roku Streaming Stick 4K (2021)RokuCompared to the Roku Streaming Stick+, the new Streaming Stick 4K provides an improved viewing experience by adding support for Dolby Vision. This advanced high dynamic range (HDR) format can provide better picture quality on TVs that support it. Right now you can get it on sale for only $25, the best price we've seen for it yet.50% off It Takes TwoAmazonThe 2021 game of the year is an entirely cooperative game that lets a friend join-in online, even if they don't own the game. This price matches the lowest we've seen to date.40% off Samsung 65-Inch Class OLED TVAmazonSamsung's first 4K OLED is also one of the very first OLED TVs to feature quantum dots. This technology allows the display to produce a wider range of colors than typical OLEDs. $1,800 is a new low price for this brand-new high-end set.50% off Melissa & Doug PAW Patrol PAWtroller Activity CenterTargetIf there's a little one in your life who loves Paw Patrol, this activity center will provide hours of fun. You can grab it for 50% off during Target's Cyber Monday sale.$500 off Hydrow rowing machinesHydrowThe Hydrow Connected Rower is the Peloton of at-home rowing machines, bringing interactive rowing workouts right to your living room. It's on sale for $500 off its normal price during Best Buy's Cyber Monday sale which is one of the lowest prices we've seen it at.Check out our review of the Hydrow to learn more about what makes this a stellar piece of exercise equipment. 29% off the De'Longhi La Specialista Arte Espresso MachineAmazonDe'Longhi is one of the best brands for home espresso makers. The Specialista Arte is one of our recommended mid-range makers and has the unique feature of a built-in tamper. This is the best price we've seen in six months on this machine.Read more about the best espresso machines we've tested here.12% off the MacBook Pro 13-inch M2AppleThe 13-inch MacBook Pro is more capable than ever. Supercharged by the next-generation M2 chip, it's Apple's most portable pro laptop, with up to 20 hours of battery life and 12% off retail. It's a surprisingly good deal when you consider this new MacBook was just released in 2022.25% off the GE Profile Opal Nugget Ice MakerWalmartOne of the few nugget ice makers on the market, the GE Profile does one task perfectly: making chewable nugget ice. It's a bulky and pricy appliance, but the unique production is worth it if you're a nugget ice loyalist. For Cyber Monday, it's $130 off the usual price, so it's a great time to buy the ice maker of your dreams. You can read more about why we love this deal here.Save 20% on a Dyson Airwrap, plus get free accessoriesDysonWith new barrels to curl and wave in both directions, brushes to control and shape, and the multi-functional Coanda smoothing dryer to dry, smooth, and hide flyaways. Existing Dyson customers can save 20% off using the code e-mailed to them on November 21. Both new and returning customers can claim $125 in free gifts with their purchase.For more information, check out our Dyson Airwrap Cyber Monday deal guide. Save $400 on our favorite mattress and get $600 in free accessoriesDreamcloudOne of our favorite mattresses, the DreamCloud Premier Hybrid Mattress offers an impressive array of features, including excellent support, a firmness that will appeal to most sleepers, and a long trial period and warranty. During the Cyber Monday sale, you can save $400 and get $599 of accessories included.Save 30% on the Apple Watch Series 7Antonio Villas-Boas/InsiderThe Apple Watch Series 7 is extremely similar to the new Series 8. It's only missing Crash Detection, body temperature sensing, and a new Low Power Mode that gives the Series 8 up to 36 hours of battery life. With that in mind, you can easily justify the $120 in savings with this deal on the Series 7.See our guide to the best Apple Watch. Save 33% on the Dyson Cyclone V10 Absolute Cordless Stick VacuumWalmartDyson vacuums are the cream of the crop, and this Cyber Monday deal for the Cyclone V10 is the best we've seen in years. Equipped with a sensor to detect whether you're vacuuming a carpet or hard floor, it's the perfect vac for any room in the house. See our guide to the best vacuums. 57% off Madden 23AmazonJust released in August, Madden 23 is the newest iteration of the ever-popular EA Sports NFL video game franchise. Down to just $30, this deal is an absolute steal — and the perfect holiday gift for the football lover or sports gamer in your life. 50% off Columbia Tipton Peak Insulated JacketColumbiaColumbia jackets are ideal for layering in cold weather, as they are warm, but not too bulky. If you're looking to upgrade for this winter, 50% off this Tipton Peak Insulated Jacket is a fantastic deal for you. See our guide to the best winter coats. 50% off Kiehls Ultimate Shave CollectionNordstromWith $72 worth of product, this gift set of men's shaving products from cult favorite brand Kiehl's is a great deal at $33.60. If you use your Nordstrom card to purchase, you can also earn a $60 Note to be used on a future purchase.41% off the ASUS Chromebook C203XAAmazonThe Asus C203XA is designed with military-grade durability, a spill-resistant keyboard, and an anti-scratch finish, making it the perfect choice for students and classrooms. Down to only $142, this is the best price it's seen in months.See our guide to the best Chromebooks. Save $90 on the Dewalt Compact Drill/Impact Combo KitAmazonThis 20-Volt MAX Brushless Compact 2-Tool Combo Kit includes 1 cordless Drill/Driver, 1 cordless Impact Driver, two 20-Volt MAX Lithium Ion Batteries, 1 charger, and a carrying bag. During The Home Depot's Cyber Monday, it's 35% off.See our guide to the best cordless drills. 75% off LifeStraw Personal Water FilterAmazonLifeStraws are portable filters that can make even some of the murkiest standing water drinkable. For backpackers and hikers, a LifeStraw can be an invaluable tool in dire situations. Down to only $13, now is a great time to buy one.44% off Chewmeter Himalayan Yaky Cheese ChewsChewyMade with potato starch and cheese, among other ingredients, Chewmeter's dog treats are rawhide-free. They were about a dollar less during Amazon's Prime Early Access Sale in October, but have been above $20 for most of the year. 50% off JBL Tune 510BT Wireless On-Ear HeadphonesJBLQuality over-ear headphones can get pricey, but these wireless ones from JBL offer great sound and up to 40 hours of play when fully charged. RIght now, they're a steep 50% off, costing right under $25. Lowest price of the year on an Insider subscriptionInsiderInsider is offering its annual subscription at its lowest price of the year as a Black Friday and Cyber Monday deal. You'll get access to in-depth reporting, exclusive stories, pitch decks, salary databases, and more. This deal expires on November 28.Rare $10 discount on Ring Fit AdventureAmazonRing Fit Adventure is a fitness-centric game that challenges you to get off the couch and perform crunches, sit-ups, and more to defeat enemies. It even comes with a special accessory called the Ring-Con to track your movements. This game rarely goes on sale, so this $10 discount from Amazon is a good deal.Save $50 on the internet's favorite frying panOur PlaceThis sleek, matte pan is an incredible gift for minimalists: It's designed to replace eight pieces of cookware, functioning as everything from a pot to a frying pan. Normally $145, you can get it for $95 for Cyber Monday.See our guide to the best nonstick frying pans. 28% off Otherland candlesOtherlandOtherland is a hot candle brand right now, known for its creative packaging and custom gift sets. For Cyber Monday, you can get 28% off a three-pack and 35% off six-packs and nine-packs.See our guide to the best places for buying candles. $100 off the new Pixel 7GoogleThis is the lowest price for Google's newest smartphone, the Pixel 7. Launched only a month ago, the Pixels are desirable Android phones, thanks to their fast performance, great image quality from the cameras, and stock Android.See our guide to the best smartphones. 50% off the Litter Genie PlusAmazonThe Litter Genie keeps odors from cat litter waste concealed. Deputy Editor Lauren Savoie likes that it holds several weeks' worth of waste so she doesn't have to take the trash out every time she scoops. For Chewy's Cyber Monday sale, it's marked down to 30% off its usual price, and over at Petco, it's 50% off — an all-time low price.Save $40 on the Theragun MiniTherabodyTherabody's fourth generation of massage guns introduced the Theragun Mini, a portable device that packs a percussive punch in a much smaller package. It's our favorite entry-level massage gun and it's on sale for $160 during Cyber Monday, which is around the lowest price we've ever seen.Buy one, get one on Masterclass subscriptionsMasterClassMasterClass is one of our favorite online learning platforms and for $180, you can get a second membership free to gift when you buy the first one. It makes for a great last-minute present and a fun way to bond with someone as you watch classes remotely.$50 off DNA kits from AncestryAncestryDNAAncestry DNA makes our favorite DNA kit, and all its DNA kits are discounted for Cyber Monday. The cheapest one is the standard kit, coming in at $59 (normally $99).20% off our favorite bathrobe from BrooklinenBrooklinenMade from 100% Turkish cotton, this super-soft robe is the ultimate luxury gift. For Cyber Monday, you can get 25% off all Brooklinen products when you check out.32% off the Kindle PaperwhiteAmazonThe Kindle Paperwhite is our favorite Kindle model so far for its big screen and adjustable warm light. At 32% off, you can snag it for under $100 to gift to the avid reader in your life.Save $70 on TCL's 55-inch 5 Series 4K Roku TVBest BuyTCL's 55-inch 5 Series 4K Roku TV delivers an impressive balance between image performance, smart connectivity, screen size, and cost. Down to $430, this discount matches deals we've seen for it in the past.Take 27% off the Nespresso's Vertuo coffee makerWilliams SonomaNespresso's Vertuo machine makes rich, frothy espresso at the touch of a button. This isn't the lowest price we've seen, but it does match last Black Friday's deal, and it's still a solid discount.Save 20% on the GoPro Hero 11 BlackThe GoPro Hero 11 Black with its recognizable form-factor. Like the Hero 9 Black and Hero 10 Black before it, there's a front screen for framing a shot — useful if you're vlogging or live-streaming.Les Shu/InsiderGoPro's best camera yet, the Hero 11 Black shoots incredible videos with smooth stabilization better than ever. For Cyber Monday, you can save $100 (20%) off the regular priceTake 50% off the Shark Vertex DuoClean PowerFins Upright VacuumAmazonThe Shark Vertex DuoClean PowerFins Upright Vacuum (AZ2002) is easy to use and has powerful suction that gets the job done on hardwood and carpeting. This Cyber Monday deal matches the lowest price we've seen.Save 24% on an HP OMEN laptopHPHP's OMEN laptops are high-performance computers that are great for creative tasks and gaming. This one is loaded with an Intel Core i7 processor and Nvidia GeForce RTX 3060 graphics. Add in 16GB of memory and a 1TB hard drive, the $1,200 sale price makes it a terrific buy for a high-end machine.Save 33% on a Sony 65 Inch 4K Ultra HD TVAmazonSony's 2022 midrange LCD TV is a solid pick for buyers who want a good all-around 4K display. It has local dimming for improved contrast, along with wide color capabilities and support for the Google TV streaming platform. This $1,000 deal price is a new low for the 65-inch model.Save $150 on the Traeger Pro Series 22 Pellet GrillHome DepotTraeger is one of our favorite grill brands, and the Pro Series 22 Pellet Grill is an excellent option for easy precision grilling and smoking. During Home Depot's Cyber Monday sale, you can save $150 off its regular price.Save 40% on the internet's favorite coatMaria Del Russo/InsiderDubbed by the internet as the "Amazon coat," this down jacket actually lives up to its hype of blending style with warmth and functionality. It comes in a range of colors from muted neutrals to bright red or yellow and is a perfect, practical gift as the winter season gets colder. The discount you'll receive depends on the color and size you choose, with an average deal of 40% off.Read the original article on Business Insider.....»»

Category: dealsSource: nytNov 28th, 2022