Advertisements



91% Of Emirati Adults Play Video Games!

91% Of Emirati Adults Play Video Games! Video games are not only popular among kids. Around the world, millions of adults play video games too, using gaming consoles, computers and – to an increasing extent – their mobile phones. Last but not least, gaming has been a popular past-time when the coronavirus pandemic increased time spent at home. According to the Statista Global Consumer Survey, the United Arab Emirates was the country with the highest number of adult gamers in 2022. 91 percent of Emirati adults said they gamed at least occasionally, with many fans of mobile gaming among them. Smartphone gaming - a huge growth market - has won over people not previously invested in the activity by giving them easy access at low or no initial cost. This phenomenon has also been more pronounced in the developing world. You will find more infographics at Statista As Statista's Katharina Buchholz explains, countries in the developing world - aided by their younger demographics - produced more gamers. Nigeria and Indonesia as well as China and Egypt reported the highest numbers of adults saying they played video games in the survey of around 40 countries. Saudi Arabia had an equally high number of gamers while also producing the highest number of frequent gamers (26 percent of adults). Japan, a country traditionally associated with video games, had one of the lowest engagement rates for gaming among adults. In the U.S., the highest number of adults reported gaming on consoles instead of on computers and mobile phones. Consoles were also popular in Mexico and Latin America, while in European countries, computer gaming was more popular than consoles in many places. Tyler Durden Thu, 06/23/2022 - 04:15.....»»

Category: blogSource: zerohedgeJun 23rd, 2022

25 Ways To Help Your Young Children Save Their Money

Did you know that kids aged 4 to 14 receive an average weekly allowance of about $9.35? That comes out to roughly $486 per year. Which, really isn’t all that bad for daily chores like tidying their bedroom or helping with laundry. Even better? It’s also been found that almost half of the average kid’s […] Did you know that kids aged 4 to 14 receive an average weekly allowance of about $9.35? That comes out to roughly $486 per year. Which, really isn’t all that bad for daily chores like tidying their bedroom or helping with laundry. Even better? It’s also been found that almost half of the average kid’s weekly allowance is saved. While kids may not have the same financial obligations as their parents, this is certainly encouraging. Saving money ensures financial independence and security during an emergency. More specifically, this habit encourages discipline and goal-planning. And, it can prevent a potential financial crisis. if (typeof jQuery == 'undefined') { document.write(''); } .first{clear:both;margin-left:0}.one-third{width:31.034482758621%;float:left;margin-left:3.448275862069%}.two-thirds{width:65.51724137931%;float:left}form.ebook-styles .af-element input{border:0;border-radius:0;padding:8px}form.ebook-styles .af-element{width:220px;float:left}form.ebook-styles .af-element.buttonContainer{width:115px;float:left;margin-left: 6px;}form.ebook-styles .af-element.buttonContainer input.submit{width:115px;padding:10px 6px 8px;text-transform:uppercase;border-radius:0;border:0;font-size:15px}form.ebook-styles .af-body.af-standards input.submit{width:115px}form.ebook-styles .af-element.privacyPolicy{width:100%;font-size:12px;margin:10px auto 0}form.ebook-styles .af-element.privacyPolicy p{font-size:11px;margin-bottom:0}form.ebook-styles .af-body input.text{height:40px;padding:2px 10px !important} form.ebook-styles .error, form.ebook-styles #error { color:#d00; } form.ebook-styles .formfields h1, form.ebook-styles .formfields #mg-logo, form.ebook-styles .formfields #mg-footer { display: none; } form.ebook-styles .formfields { font-size: 12px; } form.ebook-styles .formfields p { margin: 4px 0; } Get The Full Warren Buffett Series in PDF Get the entire 10-part series on Warren Buffett in PDF. Save it to your desktop, read it on your tablet, or email to your colleagues (function($) {window.fnames = new Array(); window.ftypes = new Array();fnames[0]='EMAIL';ftypes[0]='email';}(jQuery));var $mcj = jQuery.noConflict(true); Q1 2022 hedge fund letters, conferences and more With that being said, if you’re a parent, you can help your young children step up their saving game using the following 25 strategies. Start with the basics sooner than later. In 2001, Sam X Renick created Sammy Rabbit, a character and financial literacy initiative for children. He has been teaching kids about money through his Sammy Rabbit stories since then. It has been his experience that the earlier you start teaching your children about finances, the better. Money habits and attitudes are formed by age seven, he says, so lessons need to begin before then. Your children should be introduced to coins and cash when they are old enough to know they shouldn’t eat pennies. Describe how money works and why it is important to save money. Rather than telling them how money works, you should show them. You can do this by showing them how you use cash. You should always tell your children that you’re using money to make purchases, regardless of whether you use a debit or credit card. Chase Peckham, director of the San Diego Financial Literacy Center, taught his daughter and son this when they were young. On every shopping trip they took together, Peckham showed his children the receipts with the amount he had paid. “By doing it over and over again, it became habit to them,” he says. “As they got older, they started to understand. That’s how we introduced money.” The receipt strategy allowed Peckham’s son to understand how money works by the age of 4. However, getting his daughter to understand was more difficult. Consistency, however, guaranteed that “the light bulb would turn on” — which it did. Talk about money. According to a 2021 survey by T. Rowe Price, 41% of parents are reluctant to talk to their children about money. Moreover, many express embarrassment when discussing money. In order to teach kids how to save, you must sustain an ongoing dialogue. The key is to keep the conversation going, whether you schedule a weekly check-in to talk about money or make it part of your daily routine. Be a financially responsible role model. Educate children by example by saving money yourself. This is the most effective way to teach them to save money. Put funds into your own jar of money frequently, for example. As you’re out shopping, teach your kids how to discern different prices and why some items are more beneficial than others. Also, emphasize that you save a portion of every paycheck as a way to secure your financial future. Use a piggy bank. By providing your kids with a piggy bank, you can teach them the importance of saving and make it easy for them to do so. To fill up the piggy bank until there is no room, tell your children to put in as many dollars and coins as they can. Most importantly, demonstrate that the piggy bank is for saving money for the future. And, this will result in wealth accumulation. As an example, Kevin O’Leary from “Shark Tank” explained compound interest to his own children by using a piggy bank in this video. Develop their budgeting skills. As you know, a budget helps create financial stability by tracking expenses and following a plan. And teaching your kids how to budget is a crucial life skill they need to develop sooner than later. Use jars to teach your children basic budgeting concepts by spending, saving, giving, and sharing. You can show younger children how Elmo from “Sesame Street” saves in those three jars. As your child’s chores or allowance are complete, discuss with them the importance of; Saving money now so it will grow for later use Making a plan for how to spend the money that they have now How caring means sharing their funds with people and organizations that your family values Physically show them that things cost money. It’s one thing to tell your son or daughter that that Paw Patrol vehicle they’ve been eying up is $10. It’s another thing to have them take a few dollars from their piggy bank and hand it to the cashier at the store. Sure, this is a simple act. But, it will have a greater impact than having a conversation. Write down savings goals. According to psychology professor Gail Matthews, writing your goals down on a regular basis makes them 42% more likely to be achieved. And, yes, this can be applicable to children as well. When they write down a clear savings goal, they’ll be motivated to follow through. Additionally, you can help them break this goal into achievable. Let’s say they want a $60 Lego set. Help them determine how long it will take for them to reach that goal if they receive $10 a week for doing chores. Also, help your child understand that there are two types of savings. One type of savings is saving for the Lego set, a game card, or a special pair of Allstar shoes. However, the other savings is the savings we never touch — it is for emergencies and to build enough funds for investment. Use stories to inspire. “Beyond writing down goals and providing interest payments, I’ve also discovered that stories can be educational and inspire kids to keep saving,” writes Kerry Flatley, owner, and author of Self-Sufficient Kids. “I’ve shared a few stories with my girls of times when I had to save – for my first car, for example – to provide insight into how saving works in the adult world, where purchases are larger and more critical.” Additionally, Flatley and her children have read a few books together on how people stick to their savings goals — or don’t. She recommends the following three books; “Rock, Brock, and the Savings Shock” “Alexander, Who Used to Be Rich Last Sunday” “Bunny Money” Give them fake money. This might seem a bit out there. However, the positive aspect of fake money is that it teaches kids about how money works without involving any real money. Essentially, it’s a set of training wheels for future consumers, with you acting both as merchant and bank. To make this stick, assign reasonable values to various chores, such as making their bed or cleaning up after a meal. You can also apply this to privileges, such as movie night and their wants, like popcorn for said movie night. Create a timeline. Kids often have difficulty understanding the concept of time and money. In fact, it’s been found that one-hour financial lessons lose their impact after five months. As such, a timely and ongoing approach to money education is needed for the message to stick. If, for example, your child receives $5 a week in allowance and they want to save $50. Their goal would be reached in roughly three months if they saved 100 percent of their allowance. To really bring this home, use visualization. You’ll need a long piece of paper and a marker to begin. On one side of the paper write 0 and on the other side write 50. Make checks for 25%, 50%, and 75% of the goal on the paper. If an amount is saved, draw a line showing the amount that they saved. Also, explain that at each checkpoint, kids will be given small rewards. Rewarding kids in this way can encourage them to stay the course. Also, visual representations assist them in illustrating how their money is growing and how their savings goals are progressing. Consider making earning money a competition. You could make money-making a contest if you have more than one child. “That always brings out the competitive nature of the kids. Whichever child saves the most gets the biggest special treat or bonus,” Lamar Brabham, CEO of Noel Taylor Agency, told U.S. News. In order to make sure that your kids are good sports if they lose, you could always set up a series of contests to increase the chances that both will win. It will help, however, if you make teaching your kids about finance an enjoyable experience, Brabham says, noting that many adults have a difficult time dealing with the world of finance. “Words like boring, confusing, complicated, and scary are common when hearing someone describe money matters. You can imagine what children think of it,” he says. Play games. Do you and your family play games together? Board games in particular can be fun while also teaching priceless life lessons as well. Ideally, you want to pick games that teach financial basics, like the Game of Life, Pay Day, or Monopoly. Additionally, there are some games that specifically teach money management techniques, such as Cash Flow 101. Make sure kids get paid fairly for age-appropriate chores When you give young children an allowance without requiring them to work, make sure it’s fairly distributed and based on their age. If you prefer, you can give them quarterly or annual raises. Most importantly, assign equal work assignments, as well as similar pay rates if you pay for chores. Unfortunately, the gender wage gap has reached children as well. According to BusyKid, an app that tracks personal finances for kids, girls receive less than half the weekly allowance given to boys. Believe it or not, that gap is far more severe than the one that exists for adults. Offer savings incentives. Matching contributions from employers are perhaps the main reason people make contributions to their company’s retirement plan. Everyone loves free money, right? Well, using that same principle will help you motivate your kids to start saving. You can match your child’s savings by 25 or 50 cents on the dollar, for example. Not only does this help them increase their savings, but it also introduces the idea of company matching in 401(k) plans. Discourage impulse purchases. As a parent, I’m sure that you’ve been in this situation before. You go to Target and your child pleads for you to buy them Chase’s transforming police car from PAW Patrol. As opposed to caving in, remind them that they can use their savings. But, also suggest that they wait a day or two. Maybe after sleeping on it, they really don’t want this new toy. But, just reassure them that Chase and his police car will still be there if they decide that they really want to buy it. Also, depending on their age, this could be a great time to talk about opportunity costs. By fifth grade, children should understand this concept. Help them prioritize their needs and wants. Impulse buying happens to the best of us from time to time. But, help them to learn to recognize it and how to limit it. As little as possible, give kids money. Yeah. This might seem harsh. But, here’s the jest. When kids are given as much money as possible less frequently, they will learn to budget. As an example, instead of giving your 10-year-old lunch money every single day, give them $80 for the entire month. Remind them that if they spend all of this money too soon, they’ll have to eat PB&J every day. In this way, your children will understand the real meaning of money and the need for budgeting and deferral of expenses. Make use of age-appropriate spending cards and parental control apps. Today, you use apps for just about everything. So, why not use an app to improve your child’s financial education? With Greenlight, you can reload a prepaid debit card for your kids. Through an app, you can supervise and control the card. The card is designed to load instantly, leave notifications every time your child uses it, and turn on and off instantly. Another feature worth mentioning is that it also lets them save their change. Stress the importance of giving. I remember during a family vacation to D.C. my little brother struck up a conversation with a homeless vet. Without hesitation, he gave the man $5 from his allowance. With that in mind, when your little one has some money saved, teach them the power of giving. “I think helping our kids experience the happiness that comes from giving to others is probably one of the most valuable ways we can nurture generosity in them,” says Lara Aknin, an assistant professor of psychology at Simon Fraser University in Canada (and the one who led the study suggesting that giving makes toddlers happier than getting). “It sets off this positive cycle: Giving makes people happy and happiness promotes giving.” At the same time, don’t force them to do this. Researchers have found that when people are forced to do something kind for others, or subtly coerced to do so, they will feel less altruistic and less motivated to help others. Include them in the financial process. Encourage your children to help you save money while shopping. Ask them to find the right items and compare prices with coupons from the grocery store, for instance. You can also challenge your child to find the clothes they need within a limited budget when back-to-school shopping. The older your children get, show them what your mortgage or utility payments look like. Or, you show them what your 401(k) statement looks like. Sounds simple. But, having them be a part of your financial processes is good preparation for when they have their own financial documents. Kid blew all their money and needs more? Seize this teachable moment. Parents familiar with this scenario might be able to relate: your kid has money but spends it all on toys. Imagine you are at the toy store again, where they want something but can’t afford it. How do you deal with that? Don’t give in. Instead, use this as a “teachable moment,” suggests says Rachel Cruze, personal finance expert and the co-author of “Smart Money Smart Kids: Raising the Next Generation to Win with Money “Teach them that when money runs out, it runs out,” Cruze says. “It will be tough in the moment, but in the long run you are teaching them to live below their means — and that’s the only way to win with money.” Visit the bank together. You and your child can open a no-fee savings account together. The concept of delayed gratification can be difficult for them to grasp. However, children may see the benefits of accumulating compound interest as free money if they equate it with short-term sacrifices. Charge a “parent” tax. I don’t think that many of us are fond of taxes. But, that’s life. So, this could be an easy way to break the news to your children. To help them prepare them for the real world withhold some of their earnings. Be sure not to spend the money though. Instead, invest it or save it for them until they’re 18. By letting them know that they won’t keep every penny of their paycheck, they’ll be better prepared financially. Also, let them know that if they have $5,000 saved by 16, they can invest this money and become rich. As a teenager. Let them make mistakes. You may think “that’s easier said than done.” But let me explain. Almost everyone has regrettably purchased something, whether it was a Peloton we thought we’d use more frequently or an investment that was too good to be true. Since the stakes are low, now would be an ideal time for your child to make mistakes. Give your child the option of spending their money on a short-lived gimmicky toy. Upon realizing a mistake, ask them what they’ve learned and how they can avoid making it again. Do they need to do more research next time? What can they do to remind themselves of what their goals are? How can they spend their money in a way they enjoy? Perhaps, in the future, they’ll spend their savings a bit more wisely. And, since we’re talking about kids here, don’t be too harsh. In fact, you can share with them your past financial mistakes and the lesson you learned. Don’t give your kids an open line of credit. Make sure your kids do not have open credit lines. Spending money should be limited, even if occasional spoiling is possible. After all, on other matters, you’ve been telling your kids no for a while. The same holds true when it comes to denying requests for cash or parent-aided purchases such as video games and candy bars. The importance of imparting this type of financial education to young children cannot be overstated. When you delay, old habits will become more difficult for them to break. Now, how exactly you approach this is totally up to you. Maybe there’s a family jar of money for expenses like snacks or activities like mini-golf. If they know the balance, your kids will be able to budget their spending accordingly and won’t be surprised when you say no. And, with time, they’ll realize that if they want a large purchase, they’ll need to save. that they need to save. Open a 529 plan. Share the fact that you are saving for your children’s future higher education with them. Even better, ask them if they want to contribute to the plan as well. Although you don’t need to share the dollar amount saved in your 529 plan with them, make it clear that you expect them to continue their education after high school. According to a study by Institute for Higher Education Policy, children who know that money will be saved for college are much more likely to enroll in college. What’s more, kids with college savings of $1-$499 are three times more likely than children with no savings to attend college. If you’re unaware, plan 529s are for any school your child wishes to attend after high school. As a result, these funds can be used tax-free for eligible higher education expenses including; Four-year schools Two-year colleges Trade institutions Apprenticeship programs Certificate programs In short, this means that your children are free to attend schools based on their interests, talents, and skills. And, this can set them up for financial success later in life since they won’t have a lot student loan debt. Frequently Asked Questions When should kids learn about saving money? According to research, many of our money habits as adults are formed around age 7. So it’s wise to teach your children about money at a very early age. Children as young as 3 can start with basic concepts. As they grow, they can move on to more advanced ones. How do I talk to my kids about saving money? Curiosity is a natural, and often relentless, characteristic of kids. Teach young children that in order to make money, you have to earn it. Explain that money is a type of energy exchange. After all, money just doesn’t appear out of thin air. Take going to the grocery store with them. Show them the budget for groceries and why it’s important. Tell them if they want a toy that it’s not in the budget. But, tell them to put the money in their piggy bank so that they can buy it later. You can also involve your children in making money-making decisions that affect the whole family, such as booking a summer vacation, as they grow up. Consider sharing your experience with them when you’re negotiating a job offer or choosing a robo advisor. How can I encourage my kids to save money? Providing a place for kids to save their money is an effective way to get them to set aside some of their money. Kids younger than 12 can get a piggy bank; older kids can get a debit card or bank account. Incentives such as interest can also be provided to encourage them to save money. What are some of the best ways for kids to earn money? Children can earn money in a variety of ways. You might find them setting up a lemonade stand or having a yard sale depending on their age. They can also babysit, care for pets, collect recyclable materials, wash cars, and work in the yard. If you have your own business, you could also “hire” them for age-appropriate tasks like filing paperwork or being a part of your social media marketing. Make sure to follow child labor laws. How can you teach kids to distinguish between needs and wants? Children can be quizzed about household items such as kitchen utensils, clothing, and toys. Ask them if it’s something your family really needs or if it’s just something they fancy. Kids learn that some purchases should have a greater priority than others as a result of that distinction. Article by John Rampton, Due About the Author John Rampton is an entrepreneur and connector. When he was 23 years old while attending the University of Utah he was hurt in a construction accident. His leg was snapped in half. He was told by 13 doctors he would never walk again. Over the next 12 months he had several surgeries, stem cell injections and learned how to walk again. During this time he studied and mastered how to make money work for you, not against you. He has since taught thousands through books, courses and written over 5000 articles online about finance, entrepreneurship and productivity. He has been recognized as the Top Online Influencers in the World by Entrepreneur Magazine, Finance Expert by Time and Annuity Expert by Nasdaq. He is the Founder and CEO of Due. Updated on May 16, 2022, 3:22 pm (function() { var sc = document.createElement("script"); sc.type = "text/javascript"; sc.async = true;sc.src = "//mixi.media/data/js/95481.js"; sc.charset = "utf-8";var s = document.getElementsByTagName("script")[0]; s.parentNode.insertBefore(sc, s); }()); window._F20 = window._F20 || []; _F20.push({container: 'F20WidgetContainer', placement: '', count: 3}); _F20.push({finish: true});.....»»

Category: blogSource: valuewalkMay 17th, 2022

21 graduation gifts for 8th graders that won"t disappoint, from custom dessert boxes to tech they"ve wanted forever

Even the pickiest of middle schoolers will be pleased with these 8th grade graduation gifts, from trendy rollerskates to a coveted Nintendo Switch. Prices are accurate at the time of publication.When you buy through our links, Insider may earn an affiliate commission. Learn more.Even the pickiest of middle schoolers will be pleased with these 8th grade graduation gifts, from trendy rollerskates to a coveted Nintendo Switch.LittlePenguinCre8ive/Etsy8th grade graduation usually marks the end of middle school: An often tumultuous but exciting time for kids. While they may be staying in the same school district next year, graduating 8th grade — and surviving middle school — is a milestone worth celebrating. We curated a list of 8th-grade graduation gifts that cater to different interests and passions (plus some that are just plain fun). It's our hope that these gifts put a smile on your soon-to-be 9th-grader. Here are the best 8th grade graduation gifts in 2022:An instant cameraTargetGift the Fujifilm Instax Mini 11, from $74Instant cameras are having a comeback, and it's likely that your 8th grader already has their eye on one. Help them commemorate their transition from middle school to high school with a bright, colorful memory generator. A box full of tasty treatsMilk BarGift a Milk Bar Sampler, $55Milk Bar (one of our favorite brands) is known for tasty treats in adorable packaging — a great fit for an 8th-grader. This particular sampler includes the company's infamous birthday cake truffles, cookies, and a slice of Milk Bar Pie. Over-ear headphonesBeatsGift the Beats Solo3 Headphones, $131.78Beats Solo3 are great starter headphones for teenagers: They're relatively affordable for the product, well-reviewed, and have great sound quality. They can be used for study breaks and jam sessions alike. Tickets to their favorite performerStubHubGift StubHub Tickets or a Gift Card, prices varyThere's nothing more exciting to an 8th-grader than seeing their favorite performer or sports team in person. The memories from this gift will last far beyond high school. A bright new take on an outdoor gameBed Bath & BeyondGift the Black Series LED Game Bean Bag Toss Game, $79.99Cornhole is a fun way to pass the time during the summer, but it can be elevated even further with this glow-in-the-dark set. They can play at any time of day with these LED light-up beanbags. An all-in-one tabletAntonio Villas-Boas/InsiderGift an iPad, from $379An iPad is a perfect transition device for a soon-to-be high schooler: it's more affordable than a laptop but has all of the same basic functions as both devices. Pair it with an attachable keyboard for the closest experience to a laptop.Custom M&MsM&MsGift a personalized M&Ms Jar, $34.99As long as they don't have any dietary restrictions, what better gift is there than chocolate? Gift them this custom container of M&Ms with their school colors and a personalized lid.TikTok-worthy rollerskatesZapposGift the Impala Pastel Rollerskates, $65.16Help them find a new hobby (or stylishly re-enter an old one) with these brightly colored, fun rollerskates. They're available in many other colors and designs, so there's likely to be one that best suits them. A tried-and-true game consoleAmazon; Rachel Mendelson/InsiderGift a Nintendo Switch Console, $299The Nintendo Switch is the most popular gaming console among teens right now, and with good reason. Both personal and team play are available on thousands of games, and it's likely that they already have a favorite. A high school survival guideAmazonGift "The High School Survival Guide: Your Roadmap to Studying, Socializing & Succeeding," $9.29High school brings about many changes: more studying, new friends, and all of the teenage experiences. This all-in-one book includes anything from study tips to mindfulness exercises intended to help teens thrive in the transition to high school. A custom braceletBaubleBarGift the Baublebar Pisa Custom Bracelet, $40Baublebar is a staple among teens and young adults because of its simple, yet elegant jewelry that can be worn with nearly any outfit. Allow them to feel mature while remaining age-appropriate with this beaded bracelet. A celebration for the whole neighborhoodLittlePenguinCre8ive/EtsyGift the LittlePenguinCre8ive Graduation Yard Sign, $14.97Graduating middle school is a celebration worth shouting to the rooftops, especially considering how the pandemic has impacted these past few years. Celebrate along with all of their nearby friends and family with this expressive yard sign.Congratulatory candySugarfinaGift a Sugarfina Congrats Bento Box, $30A congratulatory box of gummy bears and chocolates may be just what your graduate needs to feel sweetly celebrated. Sugarfina is best known for high-quality candy in beautiful, occasion-based packaging, so there's lots of room for celebration. A fun pool floatAmazonGift a Narwhal Pool Float, $59.99A fun pool float can get a laugh when they open the gift, and it can bring a ton of fun all summer long. Choose their favorite animal, food, or object for them to float on in the pool or on the beach. A curated gift setKnackGift a Knack Way to Go! Gift Set, $50Take the guesswork out of gifting with this pre-packaged gift set fit for a celebration of any kind. A candle with matches, bag of candy, and "you're awesome" pop open cards are all included — just be sure to check in with the graduate's caregiver before gifting matches. A portable speakerAmazonGift the JBL Flip 5, $99.95Graduation parties, barbeques, pool parties, and more: there are so many reasons why a teen will appreciate a portable, high-quality speaker. This relatively budget-friendly speaker packs in a huge sound, and they'll appreciate the ability to bring it essentially anywhere they go. A personalized video message from their favorite celebCameoGift a Cameo Video Message, prices varyAchieve the goal of being your graduate's favorite person ever by gifting them a custom message from their favorite celebrity. Actors from "The Office" (from $40), athletes like the New York Rangers Julien Gauthier ($75), and more are available to choose from. A personalized bucketPersonalization MallGift a Class of Personalized Graduation Metal Bucket, $19.99This metal bucket will commemorate their accomplishment for years to come. Although it doesn't come filled, this leaves an opportunity to fill it with whatever you so choose: outdoor toys and games, candy, or cards and gifts from friends and loved ones.A backpack that gives backAmazonGift the STATE Lorimer Backpack, $110If they want to start high school fresh with a new backpack, consider purchasing one from STATE. You can either purchase a sleek plain backpack, or customize it with initials, patches, pins, and symbols. Best of all, any STATE purchase will donate a fully packed backpack to a partner charity or school.A card full of surprisesAmazonGift the "This Calls for Confetti" Card, $5.99Whether your grad just wants cash or you want a card that's just as exciting as the gift, there's nothing quite as surprising as a card full of confetti. A gift card for practically anythingTargetGift an Amazon or Target gift card, prices varyFor a teen with a specific taste, the gift of selecting their own gift is practically the best gift of all. Amazon and Target both have a wide range of age-appropriate graduation gifts. Read the original article on Business Insider.....»»

Category: topSource: businessinsiderMay 11th, 2022

Meet the typical geriatric Gen Zer: The last of their generation to study in a classroom and work in an office

The oldest Gen Zers also feel a little millennial. They're the only Gen Z cohort to experience in-person adult life before and after the pandemic. For the oldest Gen Zers, remote work wasn't always the norm.Klaus Vedfelt/Getty Images The oldest Gen Zers, born around 1996, are different from their younger peers. They're the last Gen Zers to attend all of college in person and enter the workforce in person. To invoke a term for the eldest millennials, this cohort could be considered "geriatric Gen Z." In the first year of the pandemic, millennials lost their crown as the cool generation, and Gen Zers took the throne. Claw clips are (back) in; skinny jeans are out.As with any big transition, there are some growing pains — and there's a subset of Gen Zers who don't quite have a home: the eldest.Part of a generation born between about 1996 and 2012, these Gen Zers are in their mid-20s, with the oldest turning 26 this year.In light of the popularity of the term "geriatric millennial" to refer to the eldest millennials — those straddling the digital divide between older and younger generations in the workplace — we're calling them "geriatric Gen Zers."Sometimes called elder Gen Z, this group is sandwiched between the Gen Zers who just turned 21 and the millennials who've already spent more than a decade adulting. Like geriatric millennials, they're defined by their experience in the workforce: They're the only members of their generation to have gone into the office regularly before the era of remote work.While Gen Z is on track to becoming the most educated generation, the eldest Gen Zers were the last group to have a traditional four-year college experience untouched by the pandemic. Their first years of post-graduation work largely started in person, then become remote, then settled into … whatever it is they're doing now.Here's what it means to be a geriatric Gen Zer.The typical geriatric Gen Zer is a cusper, identifying with both millennials and Gen Z.Hadley McCormick, a 25-year-old marketing coordinator in Illinois, doesn't quite consider herself Gen Z; she aligns more with millennials.Courtesy of Hadley McCormickJust a week ago, Tiara Williams, 26, a financial-services specialist, looked up when the millennial generation ends. She found different answers on different websites — characteristic of geriatric Gen Z's cusper status."I feel like some days I rock the side part, some days I rock the middle part," Williams said. "I feel like I'm just right in between."Hadley McCormick, a 25-year-old marketing coordinator in Illinois, doesn't quite consider herself Gen Z; she aligns more with millennials."We're right on the cusp," she said.She said she has some "grandma hobbies," like gardening and knitting, that are distinctly more millennial — but she's also spending a lot of her time on social media and loves to play video games, things she considers more Gen Z.It's sentiments like these that led WGSN to deem the eldest Gen Zers and youngest millennials "Zennials," part of an "in-between" microgeneration, in a 2020 trend report.Jean Twenge, a psychologist who wrote the book "iGen: Why Today's Super-Connected Kids Are Growing Up Less Rebellious, More Tolerant, Less Happy — and Completely Unprepared for Adulthood — and What That Means for the Rest of Us," said that generational categories are "somewhat arbitrary," and even more so when it comes to microgenerations."But it is definitely true that someone born in 1995, for example, has a different experience from someone born in 2010," Twenge said.They're part of a digitally native generation, but they didn't get their first smartphone until later in life compared with their younger peers.The iPhone, popular among Gen Zers, didn't even exist until geriatric Gen Zers were around 10 or 11.Drazen_/Getty ImagesIt's probably hard for a geriatric Gen Zer to remember a time before they had access to the internet. But that doesn't mean all of Gen Z has the same experience."One of the bigger differences is that those Gen Zers born in the late '90s typically got their first smartphone maybe in the middle of high school," Twenge said.McCormick said she had "one of those, like, kickflip phones where it would turn sideways and be a keyboard." She guessed that she got her first iPhone around 14 or 15. Williams said she got hers in 10th grade."When I was a kid, we had the computer room, and we had the one computer for the family, and we would play the built-in games, like solitaire," Williams said.Common Sense Media found in a 2019 report, based on a survey of 1,600 8- to 18-year-olds, that 53% of kids had smartphones by the time they were 11 and that 69% had them by age 12.The iPhone, popular among Gen Zers, didn't even exist until geriatric Gen Zers were around 10 or 11; the first iPhone launched in January 2007. The Common Sense survey found that 19% of 8-year-olds had a phone in 2019, up from 11% in 2015.The typical geriatric Gen Zer was a preteen when the Great Recession hit — too young to be directly affected, but old enough to be scared of a future economic downturn.Too young to feel direct impacts from the Great Recession, the eldest of Gen Z definitely felt the pandemic recession.Maskot/Getty ImagesThe WGSN report explains that the oldest Gen Zers were too young to see the financial crisis of 2008 affect their own finances or job prospects, but they were old enough to possibly see it affect their parents or siblings."They came of age baring witness to the impact the crisis had on older counterparts," the report says, adding that they knew another downturn could happen again even though the economy had recovered by the time they graduated.And it did: The coronavirus recession, though short-lived, hit the oldest Gen Zers during their early working years.The pandemic made geriatric Gen Zers the last cohort of their generation to attend all four years of college in person.Older Gen Z experienced college campuses IRL.SOPA Images/Getty ImagesIf the eldest Gen Zers were born in 1997, then those who opted for a four-year degree and didn't have a gap year likely graduated in 2018 and 2019.For them, college was likely in person. In 2019, only 17% of students enrolled in higher education were attending exclusively through distance-learning programs. But that became the norm the following year when universities temporarily closed their doors and many Gen Zers were forced to live out their college experience from their childhood bedrooms.While many schools are no longer solely online, younger Gen Zers will face the specter of the pandemic in the classroom, whether it means masking up during lectures or learning in isolation.They were trained in the norms of in-person work, as the last of their generation to join the workforce while Zoom meetings weren't a daily thing.Many geriatric Gen Zers worked in a real office alongside coworkers.Jasmin Merdan/Getty ImagesThe pandemic disrupted the work environment as the eldest Gen Zer knew it. Along with the rest of the workforce, they had to acclimate to remote work — now the norm for the Gen Zers who graduated in 2020 and beyond."Every other job I've had as far as internships and stuff in my past during college has been in person," McCormick, the marketing coordinator, said. She started her current role the week the pandemic closed everything and is now back to in-person work."I think our generation grew up with a lot of ideas about workplaces and jobs and the culture that has basically evolved rapidly since the pandemic," McCormick said. "The rise of remote work — that wasn't really a thing when we were in college."Of course, geriatric Gen Zers who went straight to grad school may have missed starting work in person, especially if they were enrolled in a program for longer than a year.Having experienced the best of both worlds, geriatric Gen Zers feel conflicted about the trade-offs of working from home and working from the office so early on in their career.The pandemic got in the way of geriatric Gen Z's "working 20s."Drazen_/Getty ImagesMcCormick — a self-proclaimed "extroverted introvert" — said that while she'd love even more flexibility, she likes the relationships she's made since working in person.In that sense, McCormick harks back to a more millennial version of work as meeting and befriending coworkers. As Insider's Rebecca Knight reported, amid the Great Resignation and a new era of all-remote work, the work friendship is out, especially for Gen Z."Since starting my job, basically my only full-time friends that I don't have from college are coworkers," McCormick said. "Those have been the easiest people to get to know and see on a regular basis, go out for drinks after work."Williams, the financial-services specialist, said she feels she's missed out on two years of her "working 20s" — specifically on meeting more people and the opportunities that come with such networking."Working from home is cool," she said. "I mean, I get to hang out with my dog all day, and I don't need to wear the traditional slacks and collared T-shirts."She added: "Working remotely, you're being told that you're doing a good job — but I think when you're in the office and people can kind of see that, I think it does more of a ripple effect than it does at home."Though they haven't been in the workforce all that long, some Gen Zers have already held multiple jobs — contributing to their generation's role in the Great Resignation.Tiara Williams realized she could get a pay bump by switching jobs.Tiara WilliamsIn October, Ryan Roslansky, the CEO of LinkedIn, told Time that Gen Zers were leading the way in workers changing jobs, adding that job transitions among Gen Zers on LinkedIn had ticked up by 80% year-over-year."Young workers can write their ticket now in a way that was definitely not true 10 years ago or even three years ago, because the labor market is so tight," Twenge said. "There's a lot of job opportunities out there."Lauren Stiller Rikleen, the president of the Rikleen Institute for Strategic Leadership, previously told Insider that remote work gave Gen Zers the upper hand in amplifying demands for workplace autonomy, adding that their lives were turned upside down during an impressionable time."They had so much taken away from them in terms of access — you can go on and on with what has been lost," she said."That reframes your thinking," she said, adding that people in that situation "start to think about what's important" to them and how to express that.Williams, who has experienced both prepandemic in-person work and remote work, is one of those job switchers. She said that when she started looking at new jobs, she realized she could get three to five years' worth of raises in a pay bump just by switching roles.Given the rise in social-media use and pandemic disruption during such formative years, it makes sense that Gen Z would tend to be lonelier and more depressed than other generations.Social media can be a strain on mental health.Jose Luis Pelaez Inc/GettyGen Z is stressed, lonely, and depressed.The American Psychological Association's 2020 Stress in America survey found that Gen Z adults, ages 18 to 23 at the time, reported the highest levels of stress among different generations. About a third of Gen Zers surveyed said their mental health was worse than it had been the year prior, and over seven in 10 reported feeling "miserable or unhappy" in the past two weeks.The National Survey of Drug Use and Health found about a 7% increase from 2019 to 2020 in 21- to 25- year-olds who reported having a mental illness."There's steadily more depression and self-harm over the course of Gen Z," Twenge said, pointing to data from the National Survey of Drug Use and Health indicating when depression rates started to rise among different age groups. "So those born in, say, early 2000s have a higher rate of depression than those born in the late 1990s, because it kept rising among both teens and among young adults."Outside of the workforce, the typical geriatric Gen Zer is seen as a tastemaker.Gen Z is leading the way in consumer trends — reviving middle parts, baggy jeans, and Y2K fashion and letting skinny jeans and side parts fall by the wayside.Alexi Rosenfeld/Getty ImagesJason Dorsey, who runs the Center for Generational Kinetics, a research firm in Austin, Texas, previously told Insider that a new generation tends to enter the spotlight around when its members turn 25 because they're old enough to begin exerting economic influence.Since emerging as the new "it" generation, Gen Z has led the way in consumer trends — reviving middle parts, baggy jeans, and Y2K fashion and letting skinny jeans and side parts fall by the wayside.In a little over a decade, the oldest Gen Zers will take over the economy. A Bank of America research report in 2020 found that Gen Z earned $7 trillion across its 2.5 billion-person cohort. It estimated that that income would grow to $17 trillion by 2025 and to $33 trillion by 2030, representing 27% of the world's income and surpassing that of millennials the following year.Dorsey predicted that with this kind of influence, the generation would continue to shift and drive conversations for the next 15 years.Read the original article on Business Insider.....»»

Category: smallbizSource: nytApr 24th, 2022

State Governors Weigh In On The Financial Literacy Crisis In America

Following is the unofficial transcript of a CNBC interview with Tate Reeves, Mississippi Governor, Former State Treasurer and Chartered Financial Analyst; Steve Sisolak, Nevada Governor; and Phil Murphy, New Jersey Governor and Vice Chairman of the National Governors Association moderated by CNBC Senior Personal Finance Correspondent Sharon Epperson live during the “Invest in You: The […] Following is the unofficial transcript of a CNBC interview with Tate Reeves, Mississippi Governor, Former State Treasurer and Chartered Financial Analyst; Steve Sisolak, Nevada Governor; and Phil Murphy, New Jersey Governor and Vice Chairman of the National Governors Association moderated by CNBC Senior Personal Finance Correspondent Sharon Epperson live during the “Invest in You: The Governors Strategy Session on Financial Education” event today, Wednesday, April 6. The full video is available here: 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 The Full Henry Singleton Series in PDF Get the entire 4-part series on Henry Singleton in PDF. Save it to your desktop, read it on your tablet, or email to your colleagues (function($) {window.fnames = new Array(); window.ftypes = new Array();fnames[0]='EMAIL';ftypes[0]='email';}(jQuery));var $mcj = jQuery.noConflict(true); Q4 2021 hedge fund letters, conferences and more State Governors Weigh In On The Financial Literacy Crisis In America All references must be sourced to CNBC’s “Invest in You: The Governors Strategy Session on Financial Education” event. SHARON EPPERSON: Today we’ve brought together three of our nation's governors to talk about the state of financial education in America, and why that knowledge is so very critical to advancing economic opportunity for all. New Jersey Governor Phil Murphy, Mississippi Governor Tate Reeves and Nevada Governor Steve Sisolak, It is an honor to have you with me here today to talk about such a very important issue. You know, here at CNBC, are our job is to talk to money managers and CEOs and economists and analysts about the markets, about investments, all facets of finance. But when we drill down to a personal finance level, why is it so hard to talk about money at home and in school? And is that silence actually contributing to Americans unhealthy financial habits? You know, Governor Murphy, I want to start with you because I'm really eager to learn how you learned about money and why financial education is so important to you? GOVERNOR MURPHY: Sharon, thank you for having us. This is an incredibly timely and relevant gathering. I want to acknowledge my fellow governors Reeves and Sisolak, it's an honor to be with them. And financial literacy is a topic that erases party lines and requires us to learn from each other's states and work together on best practices. I grew up in a family that I call middle class on a good day. So we had scarce resources for my entire childhood. So that was probably the biggest early lesson for me and that is that you have to work within constraints that you might not otherwise have in your life. But I think it's an incredibly – financial literacy is incredibly important for Americans, as you say, to secure their personal financial footing, to be better positioned, to provide for their families and set themselves up for future success. It could not be a more relevant topic. In fact, today, by coincidence, we're launching in New Jersey a website here to enhance financial literacy for all residents called njfinlit.enrich.org to give you a sense of how important we think this is. EPPERSON: Absolutely. And Governor Reeves, I know from your background, maybe you did actually talk about money at home. Many people don't, but did you in your household growing up? GOVERNOR REEVES: Well I had the opportunity – and Sharon thank you for having myself and my fellow governors on today because this is an incredibly important topic. I had the opportunity to grow up in a family and with a father, who was a small business owner and he came from a very modest background, to say the least. He was one of 11 who grew up in a two room home in Mississippi and as he became a small businessman, as he worked to build his business, he made sure that myself and my brother were aware of the sacrifices that he made but also to not only understand what it takes to be successful in life, but also what it means to be successful in the money side of things as well. I then went to college and had the opportunity to obviously major in economics and take classes that were there with not only on personal finance, but also on investing in other things and led me to a career in it, which is one of the reasons that I'm so passionate about trying to encourage my fellow Mississippians and really, my fellow Americans, to make sure that financial literacy is available to as many people as possible because I really do think it can help Americans have a better life. EPPERSON: Absolutely. Absolutely. Governor Sisolak, did you ever take a class on personal finance or anything financial when you were in kindergarten through 12th grade or did you have to just learn by doing? GOVERNOR SISOLAK: Well Sharon, thanks for having me and my colleagues on here to talk about this very important subject. We learned in the home, my brother and sister and I did. My mom and dad did an incredible job teaching us and I personally always encourage parents to be involved in their kids education, all education, particularly financial literacy. We have a formal curriculum, and that's great and I think it does a lot for us. But right now it's important that their families get involved and kids understand that they want that new bicycle or they're going to save for their first car, they have to start saving money and save it early. You put so much of the when grandma and grandpa give you $10 for your birthday, you put a couple bucks of that aside for your future. And my parents delved into that and really encouraged my siblings and I to do that and I think we had a good foundation. It's unfortunate that a great percentage, I think 50 some odd percent of Americans can't cover $1,000 emergency costs if it comes up without borrowing the money. So it tells us we need to invest more. We've invested $2.5 million from the state into these programs. And to make sure that it gets out we address access and equity so that everybody gets this education, it’s not just reserved for the upper class. EPPERSON: Absolutely. Access, equity and financial responsibility is so very important. And you know, students who have taken a class in personal finance are more likely to engage in financially responsible behaviors. One study from the Council for Economic Education found that of the students who have taken a personal finance class, they're 9% more likely to save their money, 15% more likely to invest the money, and they're 21% less likely to take on credit debt. And when it comes to student loan debt, financial education in terms of high school graduation requirements has been shown to increase aid for applications for federal loans and decrease private student loans. So with all these positive results, it's just a wonder why it is not mandatory in all schools. Why is there such a difference in each state's approach to financial education? Governor Reeves, let me start with you. What is Mississippi's approach? GOVERNOR REEVES: Well, I think one of the challenges that we have across America is that we're all working very hard to ensure that the we improve educational attainment levels of our citizens. And you know, in our state, we actually were the seventh state in America to mandate a class we call it the Mississippi College and Career Readiness class. It's really about teaching life skills but 75% of the life skills that are taught in that class are with respect to financial education, because one of the things that you were talking about the importance earlier, I would just point out those individuals that have a fundamental understanding of their finances and financial literacy, they're also much more likely to improve their educational attainment level, they're much more likely to go back to maybe the local community college and learn a skill, so that they can increase their earning capacity, because they have a better understanding of what that means to them on a day to day basis. Obviously each state – and we believe very strongly here in our state about home rule – and each state has to make their own decision and make their own priorities as to what classes are most appropriate for their young people. But I am absolutely convinced that a fundamental understanding of finances is incredibly important to one's ability to be successful in life. EPPERSON: Absolutely. But Governor Sisolak, every state does have the authority to make its own rules in terms of how they have financial education in schools. And in Nevada, it's a part of the social studies curriculum, not necessarily a standalone class. Why is that the approach in Nevada? Why isn’t it just a mandatory class for every student? GOVERNOR SISOLAK: Well mandatory class might be the next step that we go to. I mean, social studies class indoctrinates students into the idea about this, it gives them the first touch and I think that's a good way to get that to put that curriculum into the social studies classes as opposed to developing a whole new program to begin with. But we've had it at every level. I can tell you that I had it when I was on the Board of Regents of our universities I served in. We had credit card companies in the arenas give it all the college kids and signing them up for $1,000 credit cards. And I’d go into the classes and say look, you're running up these credit cards, the max limits on beer and pizza. Then you graduated from college and you got to understand that you’ve got to pay that all back. Kids don't understand that. It was an eye opening experience. We got to the point where we wouldn’t let them give out t-shirts and sweatshirts and swag to get them to sign up for the credit card because it was misleading so many students and they didn't have the background in order to handle that kind of credit. EPPERSON: You know, Governor Murphy I was in a class in West Orange, New Jersey a couple of years ago when the first students were taking their financial class – their personal finance class. They were in sixth, seventh, eighth grade. And this was the time that the state had decided that middle schoolers were going to have to take a personal finance class. These students loved learning about stocks, they knew every company that they wanted to invest in. Why is the approach of having financial education in middle school so important, and when will it become a high school requirement in New Jersey as well for students? GOVERNOR MURPHY: I think we're all in agreement that you need to get to folks while they're young. And that's the animating reason behind getting financial literacy into our curriculum and middle school, as you rightly point out in grades six, seven and eight. The combination I think of skills that folks don't have a need to learn, but also as I think my colleagues have alluded to, there's a temptation that comes with a lot of different things that you all of a sudden think you can afford. And you don't realize the consequences on the backend. Whether it's physical items, whether it's meme stocks or whatever it might be, and so getting kids at the earliest ages possible we think is critical. Could I see this extending into high school? Absolutely. Right now it's working. I have to say that the payoff for the investment we've made in grade six, seven and eight is evident. And if we think we need to do more, we will. EPPERSON: Yeah, you know, there is a real difference though in terms of some communities and the resources that are available. Some students in the classes I've seen in New Jersey, they actually have their own accounts, they are trading stocks, their parents set it up for them. Others are learning about that work for the very first time. So if advancing economic opportunity is the ultimate goal, how do we make sure that everyone is provided for including under resourced communities, that we make sure that there's equal access to that opportunity? And Governor Murphy, you were starting to mention this financial literacy program that just launched in New Jersey for adults, too. So what are you doing there? GOVERNOR MURPHY: Yeah, so we're launching it literally today, Sharon, as luck would have it – njfinlit.enrich.org. And it was developed with two outstanding firms in this space, Enrich and iGrad. Yeah, I think you make a very fair point. Getting folks while they're young, but accepting as well that this is a lifelong reality that never goes away. You've got to be able to manage your circumstances and manage it intelligently. And the other point you're making, Sharon, is a big one. Equity. You know, we're proud to have the number one rated public education system in America but that banner has to apply not just to most of our kids, but to all of our kids. And again, remember that this is a lifelong reality. So we want to get at it early and stay at it as folks grow up and we'll continue to do that. EPPERSON: Yeah, you know, when you're talking about under resourced communities, Governor Reeves, you know, there are some that are saying, just get the basics right. Make sure the kids know how to read and write, make sure they know how to solve math problems. Why do we have to add something else to the mix in terms of financial education? How do you impress upon communities, and particularly under resourced communities, that it's important to have financial education? Because that improves learning all around. GOVERNOR REEVES: To be honest with you, I think we've got to say that this is not an either or scenario. It's a both and. There's no doubt that we have to continue to focus on improving the basics. We have to continue to focus on improving the math literacy of the students in all of our schools. Because the reality is it's very hard to teach financial literacy if there's not a basic understanding of math. And then it’s very hard to teach financial literacy, because there's not a basic understanding of reading as well. And so, I think that we can do both. And then quite frankly, I think we can do both in such a way that we utilize the same techniques. In our state, for instance, we hired dating years ago, we started hiring math coaches to go into various schools that were underperforming so that the math coaches were not only teaching students how to do the math problem, but also teaching the teachers how to be better math teachers. We did the same thing with reading coaches years ago, and the results have been fantastic. If you look at the nape testing, for instance, in our state in fourth grade reading, fourth grade math, eighth grade reading and eighth grade math, our results in terms of ten-year growth numbers are in the top five in the nation in each of those categories for each of the last three years. But it's because of that model that we've used. And now we've taken that model to the financial education side of things where we're actually having a master teacher of a personal finance program here in our state. We've got over 250 teachers that have gone through that and we're making sure that the resources are available in all of our school districts, and we utilize our online network to make sure that all of those resources are available to every single school in Mississippi. EPPERSON: Yes, well, in Mississippi the Council for Economic Education has been a really key supporter for the initiatives you're doing there in that state. But when we talk about teachers, we also have to talk about parents as well, Governor Sisolak, and how they are supporting these initiatives. How is that happening in your state because there's often you know, the need for parents to be involved as well as Governor Murphy has mentioned. GOVERNOR SISOLAK: It's important that we have the curriculum in the schools and the younger we stat, as Governor Murphy said, the better off we are. Unfortunately, a lot of these kids can't get a lot of education from their parents at home because the parents didn't get the education. We've still got a problem with parents going for short term payday loans in order to make their rent paid and so forth and so on. And they have to understand the absolute cost of borrowing that money. And we've done a lot. We are trying to educate the parents to have a well-rounded approach as we deal with that. But financial literacy is something you need for your entire life. Whether it's buying your first car, saving up for a new pair of jeans, or buying a home at some point. And understanding what the interest rates are and what the long term effects are and what payments are and the depreciation and amortization and those sort of things. It's a skill that is necessary for your entire life. We have to approach it more long term in that regard, and break the cycle of people that are just kind of left on their own in terms of not having the knowledge, how to handle their money and how to borrow money and when it's necessary and how to save and how to invest. EPPERSON: Yeah, when I talked to some of the students in New Jersey, Governor Murphy, they were the advocate saying that we need to have more financial education, that we need to try to impress upon some of our classmates that aren't so into this in sixth grade that we need to have it. And in ninth grade when one of the students I talked to had advanced to high school, she said she was encouraging her colleagues, her classmates to take those classes. How important is the advocacy among students in your state but in other states as well do you think in terms of getting financial education legislation passed? GOVERNOR MURPHY: Well I think it is incredibly important. And moms and dads as well, both the kids who are living it and they want more, I'm not sure earlier than sixth grade make sense, but does it make sense to put more resources into post eighth grade? If the market – in this case the market is our precious kids, if they and their moms and dads think that that would meaningfully improve their understanding of financial literacy, you got to be open minded to that. As I mentioned with the website that we're launching today, we think it's a lifelong experience. But absolutely is the answer. The answer is yes to your question, Sharon. Kids influence – enormous amounts and moms and dads have enormous influence on boards of education, on how we construct curriculum. And financial literacy is no exception to that. EPPERSON: Yeah, you know, and they have a lot of input in terms of what they want to learn about their finances. Governor Sisolak, let's talk about cryptocurrencies because you know, when we talk about crypto a lot of young people very interested in learning more about that a lot of Americans in general. There are no specific laws or regulations regarding cryptocurrency in your state. Casinos can use it, businesses can accept it for payment. With the rising popularity of cryptocurrency, what do you think is the responsibility that we have to teach young people about the risks and about how they need to be smart about new ways to spend and invest their money? GOVERNOR SISOLAK: Well, I think you're absolutely right. And cryptocurrencies, it's in its infancy right now. What it looks like today versus what it's going to look like three to five years or 20 years I can't even begin to imagine. Most folks right now are not dealing in cryptocurrencies. We do have some casinos that you can use it at, we've got about businesses that accept it and so forth. But you know, I think there's something we could maybe have a second or an advanced class in terms of financial literacy with cryptocurrency. But I'm talking about nickels and dimes and dollars, you know, when I'm talking about financial literacy. And kids have to understand that you know, that's how they save and that's how things are done. The investment I know a lot of the classes are doing these stock market games where they get grouped together, and they get a sum of money and they invest in it see who does the best over a year or two years in class or whatnot. Cryptocurrency is something that will be used in the future. I think it's something that is not understood by enough people – I don't have enough of an understanding on it to be very candid with you – to be able to advocate or to not advocate for it. But I think that we need to get to the basics of borrowing money, saving money, and you know, those sorts of things. EPPERSON: Yeah, you know, Governor Reeves, a lot of teachers are concerned about the students wanting to learn about meme stocks, about crypto because they don't necessarily have as great a grasp of that, either. How do you make sure that teachers are well equipped? These are the unsung heroes for our children. We need to make sure that they understand the material that they're presenting to the children but in some cases, they're at a loss. So how do you make sure that they're up to date on the latest that young people want to know about their money that they should know about their money? GOVERNOR REEVES: It's true in all levels of education that you've got to – the best way for the kid to get a quality education is for there to be a quality teacher in the classroom teaching it. There's no doubt about that. And that's the reason we started our master teacher personal finance program, wherein we actually offer some 75 hours of training for those teachers. We also have coaches that are going in and help teaching them. And the reality is cryptocurrency is relatively new here and so you’ve got to continuously have continuing education for the personal finance teachers, just like you’ve got to do so whether it's in English or math or social studies or the other subjects. But as was mentioned earlier, and I think this is important. You know, one of the primary foundations of teaching financial literacy is the recognition and understanding of risks. That's true when it comes to crypto. That's also true when it comes to these stock market games. What we're really trying to teach these individuals is not to pick an individual stock and do phenomenally well and get wealthy, but to teach them that what the real risk reward is of making decisions and particularly making financial decisions. EPPERSON: So very important, and they're learning though this risk reward – some are learning it at home, but it was very interesting as CNBC recently did a survey that looked at the fact that parents overwhelmingly say that they should be responsible for teaching their children about money. But only about 40% or so said that they talked about money at home more than once a month. And so we're having about a third of the parents admitting that they don't even discuss household finances at home. So how important when you have many studies also have shown that young people believe that cryptocurrencies may be a path to retirement savings, that it may be a good investment long term. Governor Murphy, how do you make sure that although parents think it should be their responsibility, the schools are playing a very important role from an early age in some of these new ways to invest and grow your money and some of the traditional ways that everyone should know? GOVERNOR MURPHY: Yeah, I think Governor Reeves said earlier and said it the right way this is and both. It's something that needs to be talked about at the kitchen table, but that’s not in lieu of our need and responsibility to teach it in schools. And I think it's got to be both of those. And I think so that's the general financial literacy. How do you assess risk? How do you price risk? Everything that is associated with that. As it relates to the newer realities, Web 3.0, blockchain, crypto, we're all kind of learning that together. And I think we've got to be committed to that. And I think in particular, folks and our kids, especially need to understand the risk reward equation, generally, but specifically within crypto. There’s a phrase that Warren Buffett uses that anything that seems too good to be true, usually is. And that's not to say you can’t make money, you can’t make smart investments in the crypto space and because the answer is you can. But boy, you’ve got to understand the basics of that reality and you've got to understand the risks associated with it. I think that's incumbent upon all of us to be shoulder to shoulder in that regard. EPPERSON: You know, there's a focus on the short term, perhaps profit of crypto and there's the reality that families across this country are going through in terms of inflation, and what we need to understand about how it works, the impact it's having, and their understanding that because they know what they're paying at the grocery store, at the gas pump and how it's impacting their daily budgets. But I'm wondering Governor Reeves, how we can impress upon schools and how states can come together to have some type of standardization of these are the key lessons that everyone needs to learn, including about inflation so that we can move forward in these difficult situations. GOVERNOR REEVES; Well, given the significant inflation that we're seeing in the U.S. economy today, I think it would be fair to say that we ought to have a requirement for a financial literacy class for all of our members of Congress. And I don't think that's unique to one political party either by the way. But the fact of the matter is that we find ourselves in a position in which if more people understood the reason that prices were rising, that I think we would probably see better policies to combat those. You mentioned earlier about parents and there's no question that parents play a significant role in every child's education, and it's a critical component. But you also mentioned earlier that 50-something percent of parents – only 50% of parents felt that they were adequate in their own knowledge and financial education. And the reality is some of them probably aren't telling the whole truth. And so it's a both and thing where we can provide foundational information to individual students in our classes, but also hopefully, involve our parents in the long term conversation to get more people more comfortable talking about these issues. EPPERSON: You know, another word that comes to mind is recession because Governor Sisolak, in our recent CNBC and Acorns survey, 81% of Americans said they expect a recession sometime this year. So what does that word mean to you for your state, for your students, and what should they learn about recession? GOVERNOR SISOLAK: Yeah, we're just coming through the pandemic and you're absolutely right a recession is not something that anticipating or hoping is on the horizon for us. We got through one a few years back and just devastated our economy and hopefully not going that way again. I think it's important that our students understand what a recession is, what a depression is, what a slowdown in the economy means, what a heating up in the economy means. These are real world situations that they'll need, not only when they're in middle school or high school, but in their adult life that they're going to be dealing with regularly about unemployment, and jobs, and inflation as Governor Reeves said. These are real issues that people – that these kids are going to have to deal with multiple times. It's the cyclical nature – the economy is – and they're going to be dealing with these multiple times over their lives. So it's important that we give them that foundation and I think you got at what we're talking about, you know, the initials, the basics of savings and interest and whatnot and cryptocurrency. We've got to get kids in the shallow end of the pool before we drop them in on the deep end and overwhelm them with some of these things. Cryptocurrency most folks deal with it as a get rich kind of thing. They can invest in it and it goes from $1,000 to $50,000, Bitcoin and they are suddenly going to be rich. It doesn't work like that in the real world. Sure, some people can be beneficiaries of that, but that's not the everyday opportunity that Americans have. So I am focused on as my wife is, this is one of her main priorities in the First Lady's initiatives in teaching basic financial literacy to our kids in terms of saving, borrowing and oftentimes the kids are teaching to their parents as well. So I think that's a good thing. EPPERSON: So your main money lesson if you're teaching a class would be what? What’s the first lesson you would give, Governor Sisolak? GOVERNOR SISOLAK: Well the first lesson I'd give them is you should pay yourself first when you're making a living, when you're saving, you need to pay your necessary bills before you go buy, whether it's an ice cream cone or that $6 cup of coffee, put a few dollars away for your future. It's hard to think about retirement when you're you know, 17, 18, or 20 years old. But those years go by quickly. And I would encourage people to save a little bit – not save your whole paycheck. You got to enjoy your life, but save a little bit and understand the cost of borrowing money. When you borrow money, you've got to pay it back and you got to pay the interest on that money. And sometimes that's a lesson that's lost a lot of folks. They look at hey you just whip out that piece of plastic and you can get whatever you want and they'll realize that that bill comes every month and you’ve got to keep making payments on it. EPPERSON: Absolutely. Governor Murphy, what would be the money lesson that you would most want to teach to a sixth grade class? GOVERNOR MURPHY: I think it's similar to Governor Sisolak. It's what does it mean to live within your means? And not just in the here and now but over time. Very basic building blocks. I'm also in huge agreement that you start with the basics. But living within your means, I think would be the first chapter of lesson number one for me. EPPERSON: Absolutely. And Governor Reeves, in terms of college career readiness, what is that first class that you're going to teach when you go to visit one of those Mississippi classrooms? GOVERNOR REEVES: Well, I always tell young folks when I visit with them one of the most important things that I've learned is, and it was taught by my dad first but also in learning things about finance is it turns out the harder you work, the luckier you seem, and the luckier you get. And so hard work makes a difference and what I always try to tell young folks is their education across the board, if they're in the fifth or sixth grade, what they do in the 7th, 8th, 9th, 10th, 11th and 12th it really matters. It matters in terms of their ability to be successful in life and be successful in getting a job and be able to provide for themselves and their families. And I really like to remind them how rewarding it can be to be self-sufficient to be able to take for yourself and not to depend upon others to do so. And that starts every single day by doing the little things in school. And then ultimately, in terms of investing, it's all about risk and reward and teaching the basic principles about risk and reward I think are incredibly important. EPPERSON: Incredibly important, you know, financial education leads to financial freedom. And I thank all of you for being here today to talk about this. Governor Reeves, Governor Murphy, Governor Sisolak, thank you all for being here with us today. Very critical topic that we've been discussing financial education in America. And if you all would like to watch this event again and access more personal finance resources, go to cnbc.com/invest-in-you. Also our Money 101 newsletter is available in English and Spanish. You can sign up, go to cnbc.com/money101 or cnbc.com/dinero101. I'm Sharon Epperson for CNBC.   Updated on Apr 6, 2022, 3:56 pm (function() { var sc = document.createElement("script"); sc.type = "text/javascript"; sc.async = true;sc.src = "//mixi.media/data/js/95481.js"; sc.charset = "utf-8";var s = document.getElementsByTagName("script")[0]; s.parentNode.insertBefore(sc, s); }()); window._F20 = window._F20 || []; _F20.push({container: 'F20WidgetContainer', placement: '', count: 3}); _F20.push({finish: true});.....»»

Category: blogSource: valuewalkApr 6th, 2022

The 30+ best Cyber Monday deals under $50, including KitchenAid, Roku, and Instant Pot products

We rounded up some of the best Cyber Monday deals under $50. Save on AncestryDNA kits, Roku's 4K streaming stick, and more. Prices are accurate at the time of publication.When you buy through our links, Insider may earn an affiliate commission. Learn more.Kohl's; Sardel; Amazon; Apple; Nike; Alyssa Powell/InsiderIf your goal on Cyber Monday is to keep a reasonable budget, there are plenty of deals on great products that cost less than $50. To help comb through the options, we've compiled the following list of some of our favorites, like Roku's Streaming Stick 4K and Amazon's Fire TV Stick, Spider-Man: Miles Morales for PS5, and Google's Nest Hub.We'll be constantly updating this page with all the best deals under $50 across major retailers like Best Buy, Amazon, Target, and Walmart. Keep in mind that some of these offers, such as Amazon Lightning Deals, may only last for a short period or have limited supply, so they could sell out or not be offered on sale before our next update.You can shop this list confidently knowing that we only recommend deals on products from reputable brands that we trust, and we've tested or heavily researched the products to ensure they meet our standards for quality and ease of use. You can also find more Cyber Monday deals here.The best Cyber Monday deals under $50 you can still get right nowTommy John Boxer Briefs, $12.95Tommy JohnTommy John Cotton Basics Boxer BriefAs Tommy John's most affordable boxer brief, the Cotton Basics version still provides top-notch quality. At 30% off, this is the lowest discount we've ever seen — especially without an order minimum.$12.95 FROM TOMMY JOHNOriginally $18.50 | Save 30%Book of the Month Membership, $5Book of the Month; Alyssa Powell/InsiderBook of the Month MembershipBook of the Month Club curates five interesting and trending hardcover books every month. Use the code "BOXEDUP" to get your first month for $5. It'll be $15.99 per month after. $5.00 FROM BOOK OF THE MONTHOriginally $15.99 | Save 69%KitchenAid KFC3516ER 3.5 Cup Food Chopper, $40TargetKitchenAid KFC3516ER 3.5 Cup Food ChopperThe KitchenAid KFC3516ER 3.5 Cup Food Chopper is ideal and convenient for small prepping needs. The size makes it easy to store away or keep on your counter, and the Cyber Monday price makes it easy on your wallet. $39.99 FROM KITCHENAIDOriginally $54.99 | Save 27%$47.05 FROM TARGETOriginally $54.99 | Save 14%Hulu Monthly Subscription, $1HuluHulu Monthly Subscription (Deal)Save a huge 85% on an ad-supported Hulu subscription for an entire year. That amounts to just 99 cents per month. This deal is live until Monday, November 29. $0.99 FROM HULUOriginally $6.99 | Save 86%Instant Pot Air Frying Lid (6 Quarts), $50AmazonInstant Pot Air Frying Lid, 6 QuartsIf you already own an Instant Pot and are looking to add air fryer functionality, this lid will do the trick. It's compatible with Smart Wi-Fi 60, Smart Bluetooth, Duo Evo Plus 6, Duo Evo Plus 60, Duo SV 60 or Max 60 models. $49.95 FROM AMAZONOriginally $89.99 | Save 44%Cuisinart Ceramic-Coated Cutlery Set with Blade Guard, $14Macy'sCuisinart 10 Piece Ceramic Coated Cutlery Set with Blade GuardsA handy gift for someone setting up their first kitchen, Cuisinart's ceramic-coated knife set is color-coded to avoid cross-contamination during meal prep. This starter kit includes a chef's knife, a slicing knife, a santoku knife, a serrated utility knife, and a paring knife, all with their own matching knife guards. $14.99 FROM MACY'SOriginally $40.00 | Save 63%Fenty Beauty Pro Filt'r Soft Matte Longwear Foundation, $27SephoraFenty Beauty Pro Filt'r Soft Matte Longwear FoundationFor a matte, but not stone-like complexion, try Fenty Pro Filt'r Soft Matte Longwear Foundation.$27.00 FROM SEPHORAOriginally $36.00 | Save 25%$27.00 FROM FENTYOriginally $36.00 | Save 25%Triangle Bralette Re:Play, $20ParadeParade Triangle BraletteParade's Triangle bralette is essentially made for every moment of your week. Featuring transformable and adjustable straps for weightless support with no digging or tugging, and Parade's very own AirBand™ designed for an ultra-light underboob feel.$20.00 FROM PARADEOriginally $28.00 | Save 29%Sur La Table Electric Salt and Pepper Mill Set, $20Sur La TableSur La Table Electric Salt & Pepper Mill SetThe Electric Salt and Pepper Mill set from Sur La Table is an efficient way to get freshly ground spices with the touch of a button. $19.96 FROM SUR LA TABLEOriginally $79.95 | Save 75%Nike Sportswear Essential Fleece Pants, $48NordstromNike Sportswear Essential Fleece PantsMade from soft fleece material, these sweats are perfect for everyday comfort.$48.00 FROM NORDSTROMOriginally $60.00 | Save 20%Crocs Classic Clog, $40Sally Kaplan/InsiderCrocs Classic Clog (Unisex)The shoe that really started it all, the Classic Clog is comfortable, breathable, and easy to slip on whenever. With over 20 fun colors to choose from, you can’t go wrong.$39.99 FROM CROCSOriginally $49.99 | Save 20%$27.55 FROM AMAZONAmazon Kindle, $50AmazonAmazon All-New KindleThe Kindle allows users to download hundreds, if not thousands, of books straight to the device. This model has a front light that makes it better-suited for night time reading.$49.99 FROM AMAZONOriginally $89.99 | Save 44%Logitech G305 Lightspeed Wireless Gaming Mouse, $30AmazonLogitech G305 Lightspeed Wireless Gaming MouseCompact and portable, the Logitech G305 is great to take on the go. It's best if you prefer smaller mice and right now it's only $40, a great price drop from a typical selling price of $50.$29.99 FROM AMAZONOriginally $59.99 | Save 50%$29.99 FROM WALMARTOriginally $48.97 | Save 39%Playstation Plus 12-Month Subscription, $37AmazonPlayStation Plus 12-Month SubscriptionPlayStation Plus allows gamers to play online, nets them special discounts in the PlayStation Network store, and subscribers get free games each month that remain available as long as the PlayStation Plus subscription is active. $36.99 FROM CDKEYSOriginally $59.99 | Save 38%$39.99 FROM BEST BUYOriginally $59.99 | Save 33%$39.99 FROM AMAZONOriginally $59.99 | Save 33%Roku Streaming Stick 4K (2021), $29Steven Cohen/InsiderRoku Streaming Stick 4K (2021)Compared 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.$29.00 FROM AMAZONOriginally $49.99 | Save 42%$29.99 FROM ROKUOriginally $49.99 | Save 40%$29.99 FROM BEST BUYOriginally $49.99 | Save 40%$29.00 FROM WALMARTOriginally $49.99 | Save 42%Oral-B Pro 1000, $30AmazonOral-B Pro 1000This budget-friendly and highly effective electric toothbrush is compatible with a wide range of replacement brush heads.$29.97 FROM AMAZONOriginally $59.99 | Save 50%$29.99 FROM TARGETOriginally $49.99 | Save 40%$29.97 FROM WALMARTOriginally $49.97 | Save 40%Bodum Chambord French Press, $25Dylan Ettinger/Business InsiderBodum Chambord French PressThe Bodum Chambord is about as timeless as French presses get. It's unfussy and operates smoothly, and replacement parts (screens, braces, etc.) are affordable and easily attainable. $25.00 FROM AMAZONOriginally $38.00 | Save 34%Repel Windproof Travel Umbrella, $27AmazonRepel Windproof Travel UmbrellaThe Repel Windproof Travel Umbrella sheds water and resists wind gusts better than many umbrellas that are larger and pricier, and it lasts longer, too.$26.95 FROM AMAZONOriginally $37.95 | Save 29%$34.95 FROM REPELBlack Diamond Spot Headlamp, $30REIBlack Diamond Spot HeadlampBlack Diamond's Spot Headlamp is adjustable and comes with several settings including separate ones for short and far sight, as well as a strobe and a red night-vision light, which is much easier on the eyes.$29.89 FROM REIOriginally $39.95 | Save 25%$38.83 FROM AMAZONAncestryDNA Genetic Ethnicity Test, $49ancestryDNAAncestryDNA Genetic Ethnicity TestThe Ancestry DNA Origins + Ethnicity Test gets you access to the largest customer database, which means more detailed results and more family matches.$49.00 FROM ANCESTRYOriginally $99.00 | Save 51%$49.00 FROM WALMARTOriginally $99.00 | Save 51%Mario Badescu Facial Spray with Aloe, Herbs, and Rosewater, $5UltaMario Badescu Facial Spray with Aloe, Herbs, and RosewaterThis popular facial mist from Mario Badescu can hydrate and refresh skin, with the use of aloe and rosewater. $5.25 FROM AMAZONOriginally $7.00 | Save 25%$12.00 FROM SEPHORA$12.00 FROM URBAN OUTFITTERS$7.00 FROM MARIO BADESCURevlon One-Step Hair Dryer and Volumizer, $32Elana Rubin/INSIDERRevlon One-Step Hair Dryer and VolumizerThe Revlon One-Step Hair Dryer and Volumizer is a hot air brush designed to give you volume and shine in a single step. Its oval brush barrel smooths hair while its rounded edges grab and curl your roots, leaving you with full, bouncy, and healthier-looking hair.$29.97 FROM WALMARTOriginally $59.99 | Save 50%$22.28 FROM AMAZONOriginally $59.99 | Save 63%$54.99 FROM TARGETOriginally $59.99 | Save 8%Sony Spider-Man: Miles Morales Launch Edition (PS5), $30AmazonSony Spider-Man: Miles Morales Launch Edition (PS5)An all-new Spider-Man experience, Spider-Man Miles Morales has you master explosive new powers along with some classic web-slinging acrobatics. The PS5 update even lets you play the game in the gorgeous raytracing mode at a smooth 60 fps.$29.99 FROM BEST BUYOriginally $49.99 | Save 40%$29.83 FROM AMAZONOriginally $49.99 | Save 40%$29.99 FROM TARGETOriginally $49.99 | Save 40%Amazon Smart Plug, $1AmazonAmazon Smart PlugYou can plug any device into the Amazon Smart Plug to make it smart so that you can control the device in person with your voice or remotely with the app.$0.99 FROM AMAZONOriginally $24.99 | Save 96%Amazon Fire TV Stick 4K, $25AmazonAmazon Fire TV Stick 4KThe Amazon Fire TV Stick 4K streams video in 4K straight to your TV. $24.99 FROM AMAZONOriginally $49.99 | Save 50%$49.99 FROM BEST BUYSettlers of Catan Original Board Game, $22AmazonSettlers of Catan Original Board GameSettlers of Catan is a popular strategy board game that makes a great gift for kids and adults alike.$22.00 FROM TARGETOriginally $49.49 | Save 56%$22.00 FROM AMAZONOriginally $55.00 | Save 60%Amazon Music Unlimited (3 Months), freeAmazonAmazon Music Unlimited New subscribers can get 3 months of access to Amazon's Music Unlimited streaming service for free for a limited time.FREE FROM AMAZONOriginally $9.99 | Save 100%Google Nest Hub, $50GoogleGoogle Nest Hub (2nd gen)The Google Nest Hub is a smart display with a unique Sleep Sensing feature to help you monitor your sleep habits. $49.98 FROM WALMARTOriginally $99.98 | Save 50%$49.99 FROM BEST BUYOriginally $99.99 | Save 50%$49.99 FROM KOHL'SOriginally $99.99 | Save 50%Hydro Flask 32-Ounce Wide Mouth Bottle, $26Hydro FlaskHydro Flask Coffee with Flex Sip LidThe Hydro Flask Coffee is comfortable to drink from and easy to tote around on your next adventure thanks to its strong rubber carry loop.$24.71 FROM HYDRO FLASKOriginally $32.95 | Save 25%$24.71 FROM DICK'S SPORTING GOODSOriginally $32.95 | Save 25%$26.19 FROM REIOriginally $34.95 | Save 25%When is Cyber Monday 2021?Cyber Monday gets underway on November 29. We expect to see a lot of similar deals as to what was on sale during Black Friday but check back here often as we'll be updating with new information and discounts when we can.How do we select the best Cyber Monday deals?We evaluate deals across retailers, including Amazon, Walmart, Target, and Best Buy to find the best price across the internet. We also look at price history to find historically low prices and rare discounts.Should I expect shipping delays?Shipping delays are possible during the holidays, so we recommend buying early to avoid late deliveries. Retailers typically provide estimated delivery times on their product pages, so you can better gauge the likelihood of getting your purchases on time. To be extra safe, you can factor in additional days in case of carrier delays.An even better option is to opt for in-store pick up, which is offered by Buy Buy Baby, Target, and Walmart for many products.Read the original article on Business Insider.....»»

Category: topSource: businessinsiderNov 29th, 2021

29 of the best Black Friday deals under $50 still available (live updates)

Some of the best Black Friday deals under $50 are still live today. Save up to 50% on AncestryDNA kits, Roku's 4K streaming stick, and more. Prices are accurate at the time of publication.When you buy through our links, Insider may earn an affiliate commission. Learn more.Alyssa Powell/InsiderIf your goal this Black Friday was to keep a reasonable budget, there are still a ton of deals live today that cost less than $50. To help comb through what's available, we've compiled the following list of wallet-friendly products, like Roku's Streaming Stick 4K and Amazon's Fire TV Stick, Spider-Man: Miles Morales for PS5, and Google's Nest Hub.Through the Black Friday weekend and into Cyber Monday on November 29, we'll be constantly updating this page with all the best deals that cost $50 or less. Keep in mind that some of these offers, such as Amazon Lightning Deals, may only last for a short period or have limited supply, so they could sell out or not be offered on sale before our next update.And you can shop this list confidently knowing that we only recommend deals on products from reputable brands that we trust, and we've tested or heavily researched the products to ensure they meet our standards for quality and ease of use.Our list is sorted by the latest deals first, and we'll be updating it as long as there are Black Friday sales still happening. Come back often for the latest under-$50 deals across all major retailers like Best Buy, Amazon, Target, and Walmart.Check out our list of the best early Cyber Monday deals from startups to retailers.We're also tracking Cyber Monday sales from big-box retailers like Amazon, Target, Walmart, and Nordstrom.Check out our favorite Black Friday clothing deals that are still going now.  The best Black Friday deals under $50 you can still get right nowKitchenAid KFC3516ER 3.5 Cup Food Chopper, $40KitchenAid KFC3516ER 3.5 Cup Food ChopperThe KitchenAid KFC3516ER 3.5 Cup Food Chopper is ideal and convenient for small prepping needs. The size makes it easy to store away or keep on your counter, and the Cyber Monday price makes it easy on your wallet. $39.99 FROM KITCHENAIDOriginally $54.99 | Save 27%$39.99 FROM TARGETOriginally $54.99 | Save 27%Hulu Monthly Subscription, $1Hulu Monthly Subscription (Deal)Save a huge 85% on an ad-supported Hulu subscription for an entire year. That amounts to just 99 cents per month. This deal is live until Monday, November 29. $0.99 FROM HULUOriginally $6.99 | Save 86%Instant Pot Air Frying Lid (6 Quarts), $50Instant Pot Air Frying Lid, 6 QuartsIf you already own an Instant Pot and are looking to add air fryer functionality, this lid will do the trick. It's compatible with Smart Wi-Fi 60, Smart Bluetooth, Duo Evo Plus 6, Duo Evo Plus 60, Duo SV 60 or Max 60 models. $49.95 FROM AMAZONOriginally $89.99 | Save 44%Cuisinart Ceramic-Coated Cutlery Set with Blade Guard, $14Cuisinart 10 Piece Ceramic Coated Cutlery Set with Blade GuardsA handy gift for someone setting up their first kitchen, Cuisinart's ceramic-coated knife set is color-coded to avoid cross-contamination during meal prep. This starter kit includes a chef's knife, a slicing knife, a santoku knife, a serrated utility knife, and a paring knife, all with their own matching knife guards. $13.99 FROM MACY'SOriginally $40.00 | Save 65%Fenty Beauty Pro Filt'r Soft Matte Longwear Foundation, $27Fenty Beauty Pro Filt'r Soft Matte Longwear FoundationFor a matte, but not stone-like complexion, try Fenty Pro Filt'r Soft Matte Longwear Foundation.$27.00 FROM SEPHORAOriginally $36.00 | Save 25%$27.00 FROM FENTYOriginally $36.00 | Save 25%Triangle Bralette Re:Play, $20Parade Triangle BraletteParade's Triangle bralette is essentially made for every moment of your week. Featuring transformable and adjustable straps for weightless support with no digging or tugging, and Parade's very own AirBand™ designed for an ultra-light underboob feel.$20.00 FROM PARADEOriginally $28.00 | Save 29%Sur La Table Electric Salt and Pepper Mill Set, $20Sur La Table Electric Salt & Pepper Mill SetThe Electric Salt and Pepper Mill set from Sur La Table is an efficient way to get freshly ground spices with the touch of a button. $19.96 FROM SUR LA TABLEOriginally $79.95 | Save 75%Nike Sportswear Essential Fleece Pants, $48Nike Sportswear Essential Fleece PantsMade from soft fleece material, these sweats are perfect for everyday comfort.$48.00 FROM NORDSTROMOriginally $60.00 | Save 20%Crocs Classic Clog, $40Crocs Classic Clog (Unisex)The shoe that really started it all, the Classic Clog is comfortable, breathable, and easy to slip on whenever. With over 20 fun colors to choose from, you can’t go wrong.$39.99 FROM CROCSOriginally $49.99 | Save 20%$27.55 FROM AMAZONAmazon Kindle, $50Amazon All-New KindleThe Kindle allows users to download hundreds, if not thousands, of books straight to the device. This model has a front light that makes it better-suited for night time reading.$49.99 FROM AMAZONOriginally $89.99 | Save 44%Logitech G305 Lightspeed Wireless Gaming Mouse, $30Logitech G305 Lightspeed Wireless Gaming MouseCompact and portable, the Logitech G305 is great to take on the go. It's best if you prefer smaller mice and right now it's only $40, a great price drop from a typical selling price of $50.$29.99 FROM AMAZONOriginally $59.99 | Save 50%$29.99 FROM WALMARTOriginally $48.97 | Save 39%Playstation Plus 12-Month Subscription, $37PlayStation Plus 12-Month SubscriptionPlayStation Plus allows gamers to play online, nets them special discounts in the PlayStation Network store, and subscribers get free games each month that remain available as long as the PlayStation Plus subscription is active. $36.99 FROM CDKEYSOriginally $59.99 | Save 38%$39.99 FROM BEST BUYOriginally $59.99 | Save 33%$39.99 FROM AMAZONOriginally $59.99 | Save 33%Roku Streaming Stick 4K (2021), $29Roku Streaming Stick 4K (2021)Compared 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.$29.00 FROM AMAZONOriginally $49.99 | Save 42%$29.99 FROM ROKUOriginally $49.99 | Save 40%$29.99 FROM BEST BUYOriginally $49.99 | Save 40%$29.00 FROM WALMARTOriginally $49.99 | Save 42%Oral-B Pro 1000, $30Oral-B Pro 1000This budget-friendly and highly effective electric toothbrush is compatible with a wide range of replacement brush heads.$29.97 FROM AMAZONOriginally $59.99 | Save 50%$29.99 FROM TARGETOriginally $49.99 | Save 40%$29.97 FROM WALMARTOriginally $49.97 | Save 40%Bodum Chambord French Press, $25Bodum Chambord French PressThe Bodum Chambord is about as timeless as French presses get. It's unfussy and operates smoothly, and replacement parts (screens, braces, etc.) are affordable and easily attainable. $25.00 FROM AMAZONOriginally $38.00 | Save 34%Repel Windproof Travel Umbrella, $27Repel Windproof Travel UmbrellaThe Repel Windproof Travel Umbrella sheds water and resists wind gusts better than many umbrellas that are larger and pricier, and it lasts longer, too.$26.95 FROM AMAZONOriginally $37.95 | Save 29%$34.95 FROM REPELBlack Diamond Spot Headlamp, $30Black Diamond Spot HeadlampBlack Diamond's Spot Headlamp is adjustable and comes with several settings including separate ones for short and far sight, as well as a strobe and a red night-vision light, which is much easier on the eyes.$29.89 FROM REIOriginally $39.95 | Save 25%$38.83 FROM AMAZONAncestryDNA Genetic Ethnicity Test, $49AncestryDNA Genetic Ethnicity TestThe Ancestry DNA Origins + Ethnicity Test gets you access to the largest customer database, which means more detailed results and more family matches.$49.00 FROM ANCESTRYOriginally $99.00 | Save 51%$49.00 FROM WALMARTOriginally $99.00 | Save 51%Mario Badescu Facial Spray with Aloe, Herbs, and Rosewater, $5Mario Badescu Facial Spray with Aloe, Herbs, and RosewaterThis popular facial mist from Mario Badescu can hydrate and refresh skin, with the use of aloe and rosewater. $5.25 FROM AMAZONOriginally $7.00 | Save 25%$12.00 FROM SEPHORA$12.00 FROM URBAN OUTFITTERS$7.00 FROM MARIO BADESCURevlon One-Step Hair Dryer and Volumizer, $32Revlon One-Step Hair Dryer and VolumizerThe Revlon One-Step Hair Dryer and Volumizer is a hot air brush designed to give you volume and shine in a single step. Its oval brush barrel smooths hair while its rounded edges grab and curl your roots, leaving you with full, bouncy, and healthier-looking hair.$31.76 FROM WALMARTOriginally $59.99 | Save 47%$34.88 FROM AMAZONOriginally $59.99 | Save 42%$54.99 FROM TARGETOriginally $59.99 | Save 8%Sony Spider-Man: Miles Morales Launch Edition (PS5), $30Sony Spider-Man: Miles Morales Launch Edition (PS5)The follow-up to the widely beloved Spider-Man, this game follows Miles Morales as he follows in the footsteps of his mentor. The PS5 update even lets you play the game in the gorgeous raytracing mode at a smooth 60 fps.$29.99 FROM BEST BUYOriginally $49.99 | Save 40%$29.83 FROM AMAZONOriginally $49.99 | Save 40%$29.99 FROM TARGETOriginally $49.99 | Save 40%Amazon Smart Plug, $1Amazon Smart PlugYou can plug any device into the Amazon Smart Plug to make it smart so that you can control the device in person with your voice or remotely with the app.$0.99 FROM AMAZONOriginally $24.99 | Save 96%Amazon Fire TV Stick 4K, $25Amazon Fire TV Stick 4KThe Amazon Fire TV Stick 4K streams video in 4K straight to your TV. $24.99 FROM AMAZONOriginally $49.99 | Save 50%$49.99 FROM BEST BUYCrest 3D White Professional Effects Whitestrips, $32Crest 3D White Professional Effects WhitestripsThe classic 3D Whitestrips take only 20 days of use to complete a full treatment and also come with two sets of "1 Hour Express" strips for more last-minute whitening sessions.$31.99 FROM AMAZONOriginally $36.99 | Save 14%$44.97 FROM WALMARTSettlers of Catan Original Board Game, $22Settlers of Catan Original Board GameSettlers of Catan is a popular strategy board game that makes a great gift for kids and adults alike.$22.00 FROM TARGETOriginally $49.49 | Save 56%$22.00 FROM AMAZONOriginally $55.00 | Save 60%Amazon Music Unlimited (3 Months), freeAmazon Music Unlimited New subscribers can get 3 months of access to Amazon's Music Unlimited streaming service for free for a limited time.FREE FROM AMAZONOriginally $9.99 | Save 100%Google Nest Hub, $50Google Nest Hub (2nd gen)The Google Nest Hub is a smart display with a unique Sleep Sensing feature to help you monitor your sleep habits. $49.98 FROM WALMARTOriginally $99.98 | Save 50%$49.99 FROM BEST BUYOriginally $99.99 | Save 50%$49.99 FROM KOHL'SOriginally $99.99 | Save 50%Hydro Flask 32-Ounce Wide Mouth Bottle, $26Hydro Flask Coffee with Flex Sip LidThe Hydro Flask Coffee is comfortable to drink from and easy to tote around on your next adventure thanks to its strong rubber carry loop.$24.71 FROM HYDRO FLASKOriginally $32.95 | Save 25%$24.71 FROM DICK'S SPORTING GOODSOriginally $32.95 | Save 25%$26.19 FROM REIOriginally $34.95 | Save 25%Black Friday 2021 FAQsWhen is Black Friday 2021?This year, Black Friday kicked off on November 26. Deals will continue through Cyber Monday on November 29 and throughout the week.When is Cyber Monday 2021?Cyber Monday gets underway on November 29. We expect to see a lot of similar deals as to what was on sale during Black Friday but check back here often as we'll be updating with new information and discounts when we can.How do we select the best Black Friday deals?We evaluate deals across retailers, including Amazon, Walmart, Target, and Best Buy to find the best price across the internet. We also look at price history to find historically low prices and rare discounts.Should I expect shipping delays?Shipping delays are possible during the holidays, so we recommend buying early to avoid late deliveries. Retailers typically provide estimated delivery times on their product pages, so you can better gauge the likelihood of getting your purchases on time. To be extra safe, you can factor in additional days in case of carrier delays.An even better option is to opt for in-store pick up, which is offered by Buy Buy Baby, Target, and Walmart for many products.Read the original article on Business Insider.....»»

Category: topSource: businessinsiderNov 28th, 2021

26 of the best Black Friday deals under $50 still available (live updates)

Some of the best Black Friday deals under $50 are still live today. Save up to 50% on AncestryDNA kits, Roku's 4K streaming stick, and more. Prices are accurate at the time of publication.When you buy through our links, Insider may earn an affiliate commission. Learn more.Alyssa Powell/InsiderIf your goal this Black Friday was to keep a reasonable budget, there are still a ton of deals live today that cost less than $50. To help comb through what's available, we've compiled the following list of wallet-friendly products, like Roku's Streaming Stick 4K and Amazon's Fire TV Stick, Spider-Man: Miles Morales for PS5, and Google's Nest Hub.Through the Black Friday weekend and into Cyber Monday on November 29, we'll be constantly updating this page with all the best deals that cost $50 or less. Keep in mind that some of these offers, such as Amazon Lightning Deals, may only last for a short period or have limited supply, so they could sell out or not be offered on sale before our next update.And you can shop this list confidently knowing that we only recommend deals on products from reputable brands that we trust, and we've tested or heavily researched the products to ensure they meet our standards for quality and ease of use.Our list is sorted by the latest deals first, and we'll be updating it as long as there are Black Friday sales still happening. Come back often for the latest under-$50 deals across all major retailers like Best Buy, Amazon, Target, and Walmart.The best Black Friday deals under $50 you can still get right nowInstant Pot Air Frying Lid (6 Quarts), $50Instant Pot Air Frying Lid, 6 QuartsIf you already own an Instant Pot and are looking to add air fryer functionality, this lid will do the trick. It's compatible with Smart Wi-Fi 60, Smart Bluetooth, Duo Evo Plus 6, Duo Evo Plus 60, Duo SV 60 or Max 60 models. $49.95 FROM AMAZONOriginally $89.99 | Save 44%Cuisinart Ceramic-Coated Cutlery Set with Blade Guard, $14Cuisinart 10 Piece Ceramic Coated Cutlery Set with Blade GuardsA handy gift for someone setting up their first kitchen, Cuisinart's ceramic-coated knife set is color-coded to avoid cross-contamination during meal prep. This starter kit includes a chef's knife, a slicing knife, a santoku knife, a serrated utility knife, and a paring knife, all with their own matching knife guards. $13.99 FROM MACY'SOriginally $40.00 | Save 65%Fenty Beauty Pro Filt'r Soft Matte Longwear Foundation, $27Fenty Beauty Pro Filt'r Soft Matte Longwear FoundationFor a matte, but not stone-like complexion, try Fenty Pro Filt'r Soft Matte Longwear Foundation.$27.00 FROM SEPHORAOriginally $36.00 | Save 25%$27.00 FROM FENTYOriginally $36.00 | Save 25%Triangle Bralette Re:Play, $20Parade Triangle BraletteParade's Triangle bralette is essentially made for every moment of your week. Featuring transformable and adjustable straps for weightless support with no digging or tugging, and Parade's very own AirBand™ designed for an ultra-light underboob feel.$20.00 FROM PARADEOriginally $28.00 | Save 29%Sur La Table Electric Salt and Pepper Mill Set, $20Sur La Table Electric Salt & Pepper Mill SetThe Electric Salt and Pepper Mill set from Sur La Table is an efficient way to get freshly ground spices with the touch of a button. $19.96 FROM SUR LA TABLEOriginally $79.95 | Save 75%Nike Sportswear Essential Fleece Pants, $48Nike Sportswear Essential Fleece PantsMade from soft fleece material, these sweats are perfect for everyday comfort.$48.00 FROM NORDSTROMOriginally $60.00 | Save 20%Crocs Classic Clog, $40Crocs Classic Clog (Unisex)The shoe that really started it all, the Classic Clog is comfortable, breathable, and easy to slip on whenever. With over 20 fun colors to choose from, you can’t go wrong.$39.99 FROM CROCSOriginally $49.99 | Save 20%$27.55 FROM AMAZONAmazon Kindle, $50Amazon All-New KindleThe Kindle allows users to download hundreds, if not thousands, of books straight to the device. This model has a front light that makes it better-suited for night time reading.$49.99 FROM AMAZONOriginally $89.99 | Save 44%Logitech G305 Lightspeed Wireless Gaming Mouse, $30Logitech G305 Lightspeed Wireless Gaming MouseCompact and portable, the Logitech G305 is great to take on the go. It's best if you prefer smaller mice and right now it's only $40, a great price drop from a typical selling price of $50.$29.99 FROM AMAZONOriginally $59.99 | Save 50%$29.99 FROM WALMARTOriginally $48.97 | Save 39%Playstation Plus 12-Month Subscription, $37PlayStation Plus 12-Month SubscriptionPlayStation Plus allows gamers to play online, nets them special discounts in the PlayStation Network store, and subscribers get free games each month that remain available as long as the PlayStation Plus subscription is active. $36.99 FROM CDKEYSOriginally $59.99 | Save 38%$39.99 FROM BEST BUYOriginally $59.99 | Save 33%$39.99 FROM AMAZONOriginally $59.99 | Save 33%Roku Streaming Stick 4K (2021), $29Roku Streaming Stick 4K (2021)Compared 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.$29.00 FROM AMAZONOriginally $49.99 | Save 42%$29.99 FROM ROKUOriginally $49.99 | Save 40%$29.99 FROM BEST BUYOriginally $49.99 | Save 40%$29.00 FROM WALMARTOriginally $49.99 | Save 42%Oral-B Pro 1000, $30Oral-B Pro 1000This budget-friendly and highly effective electric toothbrush is compatible with a wide range of replacement brush heads.$29.97 FROM AMAZONOriginally $59.99 | Save 50%$29.99 FROM TARGETOriginally $49.99 | Save 40%$29.97 FROM WALMARTOriginally $49.97 | Save 40%Bodum Chambord French Press, $25Bodum Chambord French PressThe Bodum Chambord is about as timeless as French presses get. It's unfussy and operates smoothly, and replacement parts (screens, braces, etc.) are affordable and easily attainable. $25.00 FROM AMAZONOriginally $38.00 | Save 34%Repel Windproof Travel Umbrella, $27Repel Windproof Travel UmbrellaThe Repel Windproof Travel Umbrella sheds water and resists wind gusts better than many umbrellas that are larger and pricier, and it lasts longer, too.$26.95 FROM AMAZONOriginally $37.95 | Save 29%$34.95 FROM REPELBlack Diamond Spot Headlamp, $30Black Diamond Spot HeadlampBlack Diamond's Spot Headlamp is adjustable and comes with several settings including separate ones for short and far sight, as well as a strobe and a red night-vision light, which is much easier on the eyes.$29.89 FROM REIOriginally $39.95 | Save 25%$38.83 FROM AMAZONAncestryDNA Genetic Ethnicity Test, $49AncestryDNA Genetic Ethnicity TestThe Ancestry DNA Origins + Ethnicity Test gets you access to the largest customer database, which means more detailed results and more family matches.$49.00 FROM ANCESTRYOriginally $99.00 | Save 51%$49.00 FROM WALMARTOriginally $99.00 | Save 51%Mario Badescu Facial Spray with Aloe, Herbs, and Rosewater, $5Mario Badescu Facial Spray with Aloe, Herbs, and RosewaterThis popular facial mist from Mario Badescu can hydrate and refresh skin, with the use of aloe and rosewater. $5.25 FROM AMAZONOriginally $7.00 | Save 25%$12.00 FROM SEPHORA$12.00 FROM URBAN OUTFITTERS$7.00 FROM MARIO BADESCURevlon One-Step Hair Dryer and Volumizer, $32Revlon One-Step Hair Dryer and VolumizerThe Revlon One-Step Hair Dryer and Volumizer is a hot air brush designed to give you volume and shine in a single step. Its oval brush barrel smooths hair while its rounded edges grab and curl your roots, leaving you with full, bouncy, and healthier-looking hair.$31.76 FROM WALMARTOriginally $59.99 | Save 47%$34.88 FROM AMAZONOriginally $59.99 | Save 42%$54.99 FROM TARGETOriginally $59.99 | Save 8%Sony Spider-Man: Miles Morales Launch Edition (PS5), $30Sony Spider-Man: Miles Morales Launch Edition (PS5)TK$29.99 FROM BEST BUYOriginally $49.99 | Save 40%$29.83 FROM AMAZONOriginally $49.99 | Save 40%$29.99 FROM TARGETOriginally $49.99 | Save 40%Amazon Smart Plug, $1Amazon Smart PlugYou can plug any device into the Amazon Smart Plug to make it smart so that you can control the device in person with your voice or remotely with the app.$0.99 FROM AMAZONOriginally $24.99 | Save 96%Amazon Fire TV Stick 4K, $25Amazon Fire TV Stick 4KThe Amazon Fire TV Stick 4K streams video in 4K straight to your TV. $24.99 FROM AMAZONOriginally $49.99 | Save 50%$49.99 FROM BEST BUYCrest 3D White Professional Effects Whitestrips, $32Crest 3D White Professional Effects WhitestripsThe classic 3D Whitestrips take only 20 days of use to complete a full treatment and also come with two sets of "1 Hour Express" strips for more last-minute whitening sessions.$31.99 FROM AMAZONOriginally $36.99 | Save 14%$44.97 FROM WALMARTSettlers of Catan Original Board Game, $22Settlers of Catan Original Board GameSettlers of Catan is a popular strategy board game that makes a great gift for kids and adults alike.$22.00 FROM TARGETOriginally $49.49 | Save 56%$22.00 FROM AMAZONOriginally $55.00 | Save 60%Amazon Music Unlimited (3 Months), freeAmazon Music Unlimited New subscribers can get 3 months of access to Amazon's Music Unlimited streaming service for free for a limited time.FREE FROM AMAZONOriginally $9.99 | Save 100%Google Nest Hub, $50Google Nest Hub (2nd gen)The Google Nest Hub is a smart display with a unique Sleep Sensing feature to help you monitor your sleep habits. $49.98 FROM WALMARTOriginally $99.98 | Save 50%$49.99 FROM BEST BUYOriginally $99.99 | Save 50%$49.99 FROM KOHL'SOriginally $99.99 | Save 50%Hydro Flask 32-Ounce Wide Mouth Bottle, $26Hydro Flask Coffee with Flex Sip LidThe Hydro Flask Coffee is comfortable to drink from and easy to tote around on your next adventure thanks to its strong rubber carry loop.$24.71 FROM HYDRO FLASKOriginally $32.95 | Save 25%$24.71 FROM DICK'S SPORTING GOODSOriginally $32.95 | Save 25%$26.19 FROM REIOriginally $34.95 | Save 25%Black Friday 2021 FAQsWhen is Black Friday 2021?This year, Black Friday kicked off on November 26. Deals will continue through Cyber Monday on November 29 and throughout the week.When is Cyber Monday 2021?Cyber Monday gets underway on November 29. We expect to see a lot of similar deals as to what was on sale during Black Friday but check back here often as we'll be updating with new information and discounts when we can.How do we select the best Black Friday deals?We evaluate deals across retailers, including Amazon, Walmart, Target, and Best Buy to find the best price across the internet. We also look at price history to find historically low prices and rare discounts.Should I expect shipping delays?Shipping delays are possible during the holidays, so we recommend buying early to avoid late deliveries. Retailers typically provide estimated delivery times on their product pages, so you can better gauge the likelihood of getting your purchases on time. To be extra safe, you can factor in additional days in case of carrier delays.An even better option is to opt for in-store pick up, which is offered by Buy Buy Baby, Target, and Walmart for many products.Read the original article on Business Insider.....»»

Category: personnelSource: nytNov 27th, 2021

23 of the best Black Friday deals under $50 still available (live updates)

Some of the best Black Friday deals under $50 are still live today. Save up to 50% on AncestryDNA kits, Roku's 4K streaming stick, and more. Prices are accurate at the time of publication.When you buy through our links, Insider may earn an affiliate commission. Learn more.Alyssa Powell/InsiderIf your goal this Black Friday was to keep a reasonable budget, there are still a ton of deals live today that cost less than $50. To help comb through what's available, we've compiled the following list of wallet-friendly, like Roku's Streaming Stick 4K (we have Amazon's Fire TV Stick on here, as well), Spider-Man: Miles Morales for PS5, and Google's Nest Hub.Through the Black Friday weekend and into Cyber Monday on November 29, we'll be constantly updating this page with all the best deals that cost $50 or less. Keep in mind that some of these offers, such as Amazon Lightning Deals, may only last for a short period or have limited supply, so they could sell out or not be offered on sale before our next update.And you can shop this list confidently knowing that we only recommend deals on products from reputable brands that we trust, and we've tested or heavily researched the products to ensure they meet our standards for quality and ease of use.Our list is sorted by the latest deals first, and we'll be updating it as long as there are Black Friday sales still happening. Come back often for the latest under-$50 deals across all major retailers like Best Buy, Amazon, Target, and Walmart.The best Black Friday deals under $50 you can still get right nowTriangle Bralette Re:Play, $20Parade Triangle BraletteParade's Triangle bralette is essentially made for every moment of your week. Featuring transformable and adjustable straps for weightless support with no digging or tugging, and Parade's very own AirBand™ designed for an ultra-light underboob feel.$20.00 FROM PARADEOriginally $28.00 | Save 29%Sur La Table Electric Salt and Pepper Mill Set, $20Sur La Table Electric Salt & Pepper Mill SetThe Electric Salt and Pepper Mill set from Sur La Table is an efficient way to get freshly ground spices with the touch of a button. $19.96 FROM SUR LA TABLEOriginally $79.95 | Save 75%Nike Sportswear Essential Fleece Pants, $48Nike Sportswear Essential Fleece PantsMade from soft fleece material, these sweats are perfect for everyday comfort.$48.00 FROM NORDSTROMOriginally $60.00 | Save 20%Crocs Classic Clog, $40Crocs Classic Clog (Unisex)The shoe that really started it all, the Classic Clog is comfortable, breathable, and easy to slip on whenever. With over 20 fun colors to choose from, you can’t go wrong.$39.99 FROM CROCSOriginally $49.99 | Save 20%$27.45 FROM AMAZONAmazon Kindle, $50Amazon All-New KindleThe Kindle allows users to download hundreds, if not thousands, of books straight to the device. This model has a front light that makes it better-suited for night time reading.$49.99 FROM AMAZONOriginally $89.99 | Save 44%Logitech G305 Lightspeed Wireless Gaming Mouse, $30Logitech G305 Lightspeed Wireless Gaming MouseCompact and portable, the Logitech G305 is great to take on the go. It's best if you prefer smaller mice and right now it's only $40, a great price drop from a typical selling price of $50.$29.99 FROM AMAZONOriginally $59.99 | Save 50%$29.99 FROM WALMARTOriginally $48.97 | Save 39%Playstation Plus 12-Month Subscription, $37PlayStation Plus 12-Month SubscriptionPlayStation Plus allows gamers to play online, nets them special discounts in the PlayStation Network store, and subscribers get free games each month that remain available as long as the PlayStation Plus subscription is active. $36.99 FROM CDKEYSOriginally $59.99 | Save 38%$39.99 FROM BEST BUYOriginally $59.99 | Save 33%$39.99 FROM AMAZONOriginally $59.99 | Save 33%Roku Streaming Stick 4K (2021), $29Roku Streaming Stick 4K (2021)Compared 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.$29.00 FROM AMAZONOriginally $49.99 | Save 42%$29.99 FROM ROKUOriginally $49.99 | Save 40%$29.99 FROM BEST BUYOriginally $49.99 | Save 40%$29.00 FROM WALMARTOriginally $49.99 | Save 42%Oral-B Pro 1000, $30Oral-B Pro 1000This budget-friendly and highly effective electric toothbrush is compatible with a wide range of replacement brush heads.$29.97 FROM AMAZONOriginally $59.99 | Save 50%$29.99 FROM TARGETOriginally $49.99 | Save 40%$29.97 FROM WALMARTOriginally $49.97 | Save 40%Bodum Chambord French Press, $25Bodum Chambord French PressThe Bodum Chambord is about as timeless as French presses get. It's unfussy and operates smoothly, and replacement parts (screens, braces, etc.) are affordable and easily attainable. $25.00 FROM AMAZONOriginally $38.00 | Save 34%Repel Windproof Travel Umbrella, $27Repel Windproof Travel UmbrellaThe Repel Windproof Travel Umbrella sheds water and resists wind gusts better than many umbrellas that are larger and pricier, and it lasts longer, too.$26.95 FROM AMAZONOriginally $37.95 | Save 29%$34.95 FROM REPELBlack Diamond Spot Headlamp, $30Black Diamond Spot HeadlampBlack Diamond's Spot Headlamp is adjustable and comes with several settings including separate ones for short and far sight, as well as a strobe and a red night-vision light, which is much easier on the eyes.$29.89 FROM REIOriginally $39.95 | Save 25%$28.50 FROM AMAZONAncestryDNA Genetic Ethnicity Test, $49AncestryDNA Genetic Ethnicity TestThe Ancestry DNA Origins + Ethnicity Test gets you access to the largest customer database, which means more detailed results and more family matches.$49.00 FROM ANCESTRYOriginally $99.00 | Save 51%$49.00 FROM WALMARTOriginally $99.00 | Save 51%Mario Badescu Facial Spray with Aloe, Herbs, and Rosewater, $5Mario Badescu Facial Spray with Aloe, Herbs, and RosewaterThis popular facial mist from Mario Badescu can hydrate and refresh skin, with the use of aloe and rosewater. $4.90 FROM AMAZONOriginally $7.00 | Save 30%$12.00 FROM SEPHORA$12.00 FROM URBAN OUTFITTERS$7.00 FROM MARIO BADESCURevlon One-Step Hair Dryer and Volumizer, $35Revlon One-Step Hair Dryer and VolumizerThe Revlon One-Step Hair Dryer and Volumizer is a hot air brush designed to give you volume and shine in a single step. Its oval brush barrel smooths hair while its rounded edges grab and curl your roots, leaving you with full, bouncy, and healthier-looking hair.$34.88 FROM AMAZONOriginally $59.99 | Save 42%$34.88 FROM WALMARTOriginally $59.99 | Save 42%$54.99 FROM TARGETOriginally $59.99 | Save 8%Sony Spider-Man: Miles Morales Launch Edition (PS5), $30Sony Spider-Man: Miles Morales Launch Edition (PS5)TK$29.99 FROM BEST BUYOriginally $49.99 | Save 40%$29.83 FROM AMAZONOriginally $49.99 | Save 40%$29.99 FROM TARGETOriginally $49.99 | Save 40%Amazon Smart Plug, $1Amazon Smart PlugYou can plug any device into the Amazon Smart Plug to make it smart so that you can control the device in person with your voice or remotely with the app.$0.99 FROM AMAZONOriginally $24.99 | Save 96%Amazon Fire TV Stick 4K, $25Amazon Fire TV Stick 4KThe Amazon Fire TV Stick 4K streams video in 4K straight to your TV. $24.99 FROM AMAZONOriginally $49.99 | Save 50%$49.99 FROM BEST BUYCrest 3D White Professional Effects Whitestrips, $28Crest 3D White Professional Effects WhitestripsThe classic 3D Whitestrips take only 20 days of use to complete a full treatment and also come with two sets of "1 Hour Express" strips for more last-minute whitening sessions.$27.96 FROM AMAZONOriginally $36.99 | Save 24%$44.97 FROM WALMARTSettlers of Catan Original Board Game, $22Settlers of Catan Original Board GameSettlers of Catan is a popular strategy board game that makes a great gift for kids and adults alike.$22.00 FROM TARGETOriginally $49.49 | Save 56%$22.00 FROM AMAZONOriginally $55.00 | Save 60%Amazon Music Unlimited (3 Months), freeAmazon Music Unlimited New subscribers can get 3 months of access to Amazon's Music Unlimited streaming service for free for a limited time.FREE FROM AMAZONOriginally $9.99 | Save 100%Google Nest Hub, $50Google Nest Hub (2nd gen)The Google Nest Hub is a smart display with a unique Sleep Sensing feature to help you monitor your sleep habits. $49.98 FROM WALMARTOriginally $99.98 | Save 50%$49.99 FROM BEST BUYOriginally $99.99 | Save 50%$49.99 FROM KOHL'SOriginally $99.99 | Save 50%Hydro Flask 32-Ounce Wide Mouth Bottle, $26Hydro Flask Coffee with Flex Sip LidThe Hydro Flask Coffee is comfortable to drink from and easy to tote around on your next adventure thanks to its strong rubber carry loop.$24.71 FROM HYDRO FLASKOriginally $32.95 | Save 25%$24.71 FROM DICK'S SPORTING GOODSOriginally $32.95 | Save 25%$26.19 FROM REIOriginally $34.95 | Save 25%Black Friday 2021 FAQsWhen is Black Friday 2021?This year, Black Friday kicked off on November 26. Deals will continue through Cyber Monday on November 29 and throughout the week.When is Cyber Monday 2021?Cyber Monday gets underway on November 29. We expect to see a lot of similar deals as to what was on sale during Black Friday but check back here often as we'll be updating with new information and discounts when we can.How do we select the best Black Friday deals?We evaluate deals across retailers, including Amazon, Walmart, Target, and Best Buy to find the best price across the internet. We also look at price history to find historically low prices and rare discounts.Should I expect shipping delays?Shipping delays are possible during the holidays, so we recommend buying early to avoid late deliveries. Retailers typically provide estimated delivery times on their product pages, so you can better gauge the likelihood of getting your purchases on time. To be extra safe, you can factor in additional days in case of carrier delays.An even better option is to opt for in-store pick up, which is offered by Buy Buy Baby, Target, and Walmart for many products.Read the original article on Business Insider.....»»

Category: worldSource: nytNov 27th, 2021

How Ryan Kaji Became the Most Popular 10-Year-Old in the World

In human years, Ryan Kaji is 10. In YouTube views, he’s 48,597,844,873. If, in our digital age, a person’s life can be measured by their online footprint, Ryan’s is the size of a brachiosaur’s, which, as a lot of Ryan’s fans know, is gargantuan. Another way of putting it is that even if every one… In human years, Ryan Kaji is 10. In YouTube views, he’s 48,597,844,873. If, in our digital age, a person’s life can be measured by their online footprint, Ryan’s is the size of a brachiosaur’s, which, as a lot of Ryan’s fans know, is gargantuan. Another way of putting it is that even if every one of Ryan’s YouTube views were just 30 seconds, he has been watched 4,500 times longer than he has been alive. There’s a sacred text that talks about an era of peace and harmony, where lions lie down with lambs. The kicker is that a child is in charge of it all. Except for the part about peace and harmony, we are in an age where a child does indeed rule a significant subsection of the Internet. Ryan has been the highest paid YouTube star for three years straight, partly because he has nine channels on the platform. His revenue last year, according to Forbes, was about $30 million. Most of that was from his far-flung merchandise empire: he (or his parents) has lent his name to 1,600 licensed products in 30 countries, including Skechers, pajamas, Roblox, bedding, watches, sporting goods, water bottles, furniture, toothpaste and, of course, toys. [time-brightcove not-tgx=”true”] As well as a legion of YouTube videos, Ryan has shows on Nick Jr. (the Emmy-nominated Ryan’s Mystery Playdate) and Amazon Kids+ (Super Spy Ryan) and his own streaming channel. His animated superhero alter ego, Red Titan, will appear for the second time as a Macy’s Thanksgiving Day Parade balloon. “Ryan is bar none the crown prince of YouTube,” says Quynh Mai, founder of Moving Image & Content, a creative agency for digital content. (She does not represent him.) Yuki Iwamura—Sputnik/APThe Red Titan balloon will float in its second parade this Thanksgiving   How did we get to a place where a person can be the linchpin of a media empire before he has armpit hair? And of all the exuberant folks on YouTube, why has this kid raked in the most cash? Part of the answer is that this is no ordinary child, but another part is that Ryan’s rise speaks volumes about the way entertainment, business, technology and family life have changed in the past decade. Ryan’s prominence, and the existence of the genre of human known as “kidfluencer,” is a source of consternation to many parents, authorities and child-development experts. Four of the 10 U.S. YouTube channels with the most subscribers are geared toward young children. Legislation has recently been introduced in the Senate that may curtail the activities of Ryan and his fellow YouTube toycoons. But his ascent has also shown how profoundly childhood has been and is being reshaped, and that it may be too late to put the jack back in the box. One thing that everyone agrees on is that much of Ryan’s fame was a result of timing. He was about 3½ in 2015 when he asked his mom Loann Guan—the family changed its name to Kaji to preserve some anonymity as they got famous—if he could be on YouTube like other kids. Loann, 37, was a science teacher on spring break looking for kid-friendly activities. She and her husband Shion, 34, had watched YouTube in college and had a grasp of the format and how the algorithm worked. Read More: Meet TIME’s First-Ever Kid of the Year At the same time, technological changes were making online video more accessible to kids. “It was like a perfect storm when Ryan came in,” says Mai. Laptop prices had dropped enough that people were moving away from tablets. The YouTube Kids app had launched. “Parents gave their iPads to their children as entertainment devices, and that made it so easy for kids to navigate the Internet,” she says. Feeling stretched in terms of childcare, lots of parents needed to keep their kids occupied. “When young children see lots of colors and sounds and movement on a screen, it’s almost like a mobile above the crib,” says Dr. Jenny Radesky, a developmental behavioral pediatrician at the University of Michigan. “They calm down. They focus. Studies have shown that it often leads to less body movement.” The period after 2015 also marked a growth phase for the so-called creator economy. With the advance of digital ad technology, advertisers realized they could get more traction from microtargeting followers of a regular person—an influencer—than from a celebrity. Among the most popular figures when the Kajis began were the unboxers, people who filmed themselves opening shoes or makeup, or kids opening toys. So that’s what Loann and Ryan did. Ironically, Ryan had not really liked playing with toys as a baby, except one: a remote-control car, which, his dad says, he could more or less operate by the age of 6 months. This meant every relative gave him toy cars. When the unboxing trend spun off into the Giant Egg trend, Loann hid those cars in a papier-mâché egg she’d made. The resulting video, “GIANT Lightning McQueen Egg Surprise with 100+ Disney Cars Toys,” shot Ryan’s ToysReview, as the channel was then called, into the stratosphere. “That one video became his most popular video on our channel for the next two years,” says Shion. It currently has more than a billion views. At first, strange comments below the video alarmed them. “It was all gibberish,” says Shion. Then he saw Ryan typing random letters beneath videos and realized other kids were doing that too. Some of them may not have spoken English. “We noticed a huge percentage of the viewership coming from Asia,” says Shion. Ryan’s channel had launched just as YouTube was spreading to Asia, and videos like Ryan’s filled a void that TV had overlooked. Shion was born in Japan, and Loann in Vietnam. “For a lot of minorities,” says Mai, “YouTube was the place where you saw people like you.” Read More: I Raised Two CEOs and a Doctor. These Are My Secrets to Parenting Successful Children Ryan’s ToysReview quickly became one of YouTube’s most popular channels. By 2016, both parents had quit their jobs to make videos full time. Shion is a Cornell-educated structural engineer, which may be why he sensed the danger of having Ryan, just 5, carry the bulk of the show. He beefed up the production team to avoid burnout and had animators create characters based on Ryan’s personality for more content. Shion and Loann also appear in the videos and play with toys and games on their own channel. There may be a place in which one small family can produce so much intellectual property and be left in peace, but that place is not the USA, circa 2017. Ryan caught the eye of Chris Williams, who as a former Disney and Maker Studios executive had watched media habits change in real time. “I saw linear television’s ratings fall off a cliff,” he says. “I saw kids and family audiences flocking to YouTube.” His experience at Disney had also taught him about the power of building a franchise. “There are stars, characters and intellectual property on YouTube that have bigger audiences than the entire Disney Channel network. Why are we not thinking about them in the same way?” In 2017, he started Pocketwatch to do licensing deals with YouTube stars, and the Kajis, who had formed their own production company, Sunlight Entertainment, were among its first partners. Read More: How Dr. Becky Became the Millennial Parenting Whisperer The move came just in time. Merchandisers were not the only ones who noticed how much content was directed at the very young. Parents, child-development experts, media watchdogs and eventually legislators did too, and many didn’t love what they saw. There were videos of adults playing with toys in inappropriate ways. Some of the families on YouTube fell apart. Others seemed to be treating children badly to draw clicks. Advertisers pulled back. YouTube removed comments sections from and kept ads off some videos. It wasn’t enough. In 2019, YouTube and its parent company Google paid $170 million to settle allegations by the Federal Trade Commission (FTC) and the New York State attorney general that it collected data about minors and violated the Children’s Online Privacy Protection Act. By 2020, YouTube required creators to specify whether their videos were for kids and stopped feeding personalized ads to those that were. Many kid-centric channels lost the bulk of their revenue. But thanks to the merch deals, the Kajis sailed on. Williams says the franchise is his company’s biggest earner. The reforms may have lessened the problem of advertising to children, but they did nothing to change the thorny fact that watching endless hours of a child opening toys is of dubious—at best—educational or social-development value. There’s not much definitive research on what that kind of media diet does to a developing brain, but the small amount out there is dismaying. In a study out of the University of Colorado, Boulder, 78% of parents reported their kids watched unboxing videos on a regular basis, with almost 17% estimating it at between three and nine hours per week. “The more time a child spends watching unboxing videos,” says Harsha Gangadharbatla, an associate professor of advertising, who presented the paper at a journalism conference in 2019, “the more likely they are to ask for things and throw tantrums if the parents weren’t purchasing those things.” Studies have shown that children form para-social relationships with the media figures they encounter. “They’re dealing with a developing brain that is figuring out the world,” says Dr. Michael Rich, a pediatrician and the director of the Boston Children’s Hospital’s Digital Wellness Lab. “And if one of the very powerful inputs into that developing brain is ‘Look at how happy Ryan is with his toy!’ of course they’re going to say, ‘I want that.’” Read More: I Was Constantly Arguing With My Child. Then I Learned the “TEAM” Method of Calmer Parenting Just before YouTube and Google paid the fine, the nonprofit Truth in Advertising (TINA) filed a complaint with the FTC against the Kajis—who then changed the name of their channel from Ryan’s ToyReview to Ryan’s World. The group had found that Ryan played with toys that would appeal to kids 5 years of age or younger in 90% of the channel’s 200 most popular videos. TINA claimed the sponsored videos were not clearly enough delineated. “Sometimes, they weren’t adequately disclosing such that an adult would know, and other times, it’s just the fact that this vulnerable population of toddlers cannot differentiate between organic content and ads,” says Bonnie Patten, TINA’s executive director. (The FTC does not talk about pending investigations.) Richard Drew—APRyan’s family made merchandising deals early and often, with 1,600 products to date Williams says the Kaji family has been unfairly singled out because they offer the biggest target. He points out that they have shifted to more educational content, with science experiments and travel videos. At the same time, he is open to greater research and regulation. “I worry about the effects of all of it. Not just what we see on YouTube and other platforms, but movies and TV,” he says. “Nobody wants to do the work around researching this stuff. They just want to make proclamations: ‘Hey, it’s different from what I grew up on. It must be bad.’” The Kajis maintain that they “follow the guidelines” for labeling their content, but, says Loann, “if I could do it over, I would try to incorporate more of the educational component right from the get-go.” A legal team screens their videos, but they do not have a child-development expert on staff. One solution would be to take down the old unboxing videos and stop putting up new ones. After all, Sunlight Entertainment releases 25 new videos a week across its channels. But surveys show that in the U.S., “the No. 1 thing for our channel is that they still want Ryan playing with toys,” says Shion. In August, however, YouTube announced that it would remove “overly commercial content” from the YouTube Kids app and mark sponsored videos more clearly. And on Sept. 30, as Congress began to take a closer look at social media companies, Democratic Senators Edward Markey of Massachusetts and Richard Blumenthal of Connecticut reintroduced the KIDS Act, which would force sites like YouTube to stop recommending unboxing videos for kids. YouTube declined to answer specific questions from TIME, but pointed to a raft of policies, developed with child-development experts, intended to keep young viewers safe. Nevertheless, Pandora has already completed her unboxing. Ryan’s branded toys are everywhere. And he’s not alone. There’s a new crop of stars coming, on Tik Tok, Instagram and YouTube. Vlad, 8, and Niki, 6, Russian-born brothers who live in Florida, released their first toy figures in June. Nastya, 7, also a Russian-born Floridian, launches her dolls Nov. 15. Kidfluencers no longer have to hawk toys; they can just become them. Any discerning viewer who watches Ryan’s videos notices within a minute that they don’t offer much in the way of entertainment. The production is amateurish. There’s no narrative arc. This is intentional. The Kajis are not artists; they’re parents. They started making videos, they say, because their kid wanted to and was good at it. “We don’t really do multiple takes,” says Loann. “What I get from him, that’s what I’m going to use.” The DIY nature of the videos also mimics, they hope, what it’s like to go on a playdate. “We don’t want the viewers to watch our videos one after the other,” says Shion. “What we ideally want is kids to watch our video and then that inspires them to have an idea for what they want to do and they put down their iPad.” At the onset of the pandemic, they put up several videos of Ryan doing homework, so kids could feel like they were studying with a friend. Brendan George Ko for TIMERyan-themed products generated about $250 million in retail sales in 2020, according to Pocketwatch It’s difficult to ascertain if kids do indeed go play after watching the videos. The fact that some Ryan’s World videos are hours long suggests that a certain amount of sedentariness is allowed, if not encouraged. Many parents loathe them; they overwhelmingly garner one-star reviews on sites like Common Sense Media. It was Ryan’s World that caused Mike Lutringer, in Houston, to swear off YouTube Kids forever. When his second daughter was born and he and his wife needed to attend to her, he’d put on an educational Ryan video for his older child. “But very rapidly it’ll transition over to marketing and sales and reviews,” he says. “You can see how they’ve designed it to really capture the attention of the child.” Dylana Carlson, in Galesburg, Ill., on the other hand, says that during the pandemic, her two children would watch Ryan or another kidfluencer and then try to play the way they did. Occasionally they’d ask for a playdate with their Internet friend. “I think that they assume that they can just go meet these kids,” she says. “I have thought about this stuff, like, Is that depressing? Or is that weird? But corporations pay to have a dress-up Spider-Man come to the grocery store. How is this different?” Quynh Mai, the marketer, thinks this is one of the secrets of Ryan’s success. “These kids, I think, are really lonely,” she says. “Ryan provides the emotional connection.” As online friends go, Ryan is a Hallmark-level cherub. He appears to have a bottomless vat of enthusiasm for any toy/room/situation he encounters. In interviews, he is cheerful and eager, with an age-appropriate inability to be self-reflective. He loves school, especially math! He swims, plays soccer, does tae kwon do, but gymnastics is his favorite! He hates when he can’t find his lunch box! If he could have any superpower, it would be super speed! When he grows up, he wants to be a “game developer or a comedian who is a YouTuber who makes funny videos!” During the pandemic, Loann homeschooled the kids, and when the Kajis tested Ryan to see if he had fallen behind, they found he was several grades ahead. One of the reasons they moved to Hawaii this year is for a more academically challenging school than his public school in Houston. The other, interestingly, is that they felt the kids were spending too much time on screens. In Hawaii, they take more walks, which Ryan at first found exhausting. He’s also learning piano and Japanese, but he’s not crazy about either. Bea Oyster for TIMEThe Kaji family—Loann, Emma, Shion, Ryan and Kate—moved to Hawaii during the pandemic, partly to get the kids off their screens There are two ways to look at the Kaji parents. One is that they have dragooned their offspring into living out their lives on camera to get rich. The other, the one they present, is that they stumbled into a world where their child became a star and they tried to keep up. Ryan’s onscreen ability, they say, is as big a surprise to them as to anyone. He often takes a video in a new direction during shooting, telling the editors what effects to add as he goes. “On or off camera he is the exact same way,” says Shion. “He genuinely connects with his viewers.” Lest anyone think that’s pure parental boasting, Loann says Ryan’s 5-year-old twin sisters also love making videos, but “it’s not as natural to them.” (Yes, they already have their own line of toys.) The journey hasn’t always been a thrill ride. In 2003, Loann spent a month in jail for shoplifting, and after Ryan got famous, her arrest record became public knowledge. The family did exactly one in-person event with Ryan, in Bentonville, Ark. Thousands of families turned out, and the resulting melee shook them up. They reject the accusation that Ryan is their workhorse. Loann cites an incident on the set of Playdate when Ryan hurt his ankle. The production adjusted the scenes he’d shoot so he could sit and, after a break, kept filming. Loann agreed with the decision, but adds that “if that happens at home, we would not be filming for the next week or two.” The Kajis also say that while the family will go to L.A. for a spell to shoot his shows, Ryan’s YouTube videos take just a few hours a week. He belongs to local sports clubs and goes to school like other kids. Read More: ‘What Do People Want Me to Do? Wear Black Every Day?’: How Child Star JoJo Siwa Built Her Sparkly Empire What most worries Shion are families who try to emulate the Kajis’ success more recklessly. Ryan is the public face of kidfluencers, so any YouTube parent who is less than exemplary might reflect badly on him. Pocketwatch and YouTube issue manuals on how to be both parent and programmer, and Shion hints that he’s trying to start a working group of YouTube families to set industry standards. He won’t go into details, but says he would like more input from YouTube, especially on how families manage their finances, their kids’ time and fame. After all, the platform is taking a healthy cut of the money, and the minors who have made their name on it have few legal protections. The Kajis say a portion of the revenue from the family business goes into trust accounts they’ve established for their children, and they have put all of Ryan’s TV earnings into another trust. There are children on YouTube now with more subscribers than Ryan. His parents seem somewhat relieved. “I don’t want YouTube to be his future career,” says Loann. “We really want him to do something else. We’re continuing right now because he’s enjoying doing it.” The question remains: having found the perfect platform for their child, can they persuade him to leave it? —With reporting by Simmone Shah and Nik Popli.....»»

Category: topSource: timeNov 12th, 2021

62 affordable yet thoughtful gifts for her that are all under $50

We've found 62 gifts she's sure to love, and none cost more than $50. From jewelry to cookbooks and plants to painting kits, we have you covered. When you buy through our links, Insider may earn an affiliate commission. Learn more. Uncommon Goods If you're looking for an affordable gift for her, here's a list of 62 options under $50. Whether for the holidays, a birthday, or just because, she'll love any of these thoughtful picks. Still looking for a gift? Check out our list of the All-Time Best products we've ever tested. Gift-giving isn't always easy, no matter how well you know the person you're shopping for. If she's interested in tech, there are a million options to choose from. The same goes for beauty products, kitchen gadgets, books, subscriptions, and so on. It also depends on who you're shopping for, whether it's your sister, mom, partner, or friend.To make it easier, we've put together a list of great gifts under $50 that we think she'll love, no matter the occasion. And in case you're shopping for a last-minute gift, most of these items are available with expedited shipping, and some should arrive within a few days.Here are 62 gift ideas for her, all under $50: A trio of succulents for the aspiring plant person The Sill; Business Insider Succulent Assortment, available at The Sill, from $19For plant newbies, there's nothing better than to start with tiny succulents. Marked by the brand as best for beginners, the fresh houseplants will be delivered straight to her doorstep. This assortment can include either three succulents or six succulents, with both options under $50. Read our full review of The Sill here. The at-home blowout tool Amazon One-Step Hair Dryer And Volumizer Hot Air Brush, available at Amazon, $34.89This all-in-one hairdryer from Revlon garnered a large following online and won the hearts of the Insider Reviews team. It rivals luxury hair tools at a fraction of the price. It's a gamechanger for cutting down on time and heat damage to your hair without sacrificing your look. Read our full review of the Revlon One-Step Hair Dryer and Volumizer Hot Air Brush here. A DIY birth month flower kit Uncommon Goods Birth Month Flower Grow Kit, available at Uncommon Goods, $35For a twist on the traditional bouquet, give her this flower kit that's an easy and fun project. She'll appreciate the personal touch of choosing her birth month flower, whether it be a sunflower, daisy, or marigold. A pair of wearable weights Uncommon Goods Balabangles Wearable Weights, available at Uncommon Goods, $49If she's into fitness, these one-pound weights are a chic and comfy choice. They are adjustable and can be worn on the wrists or ankles. Available in either black or pink soft silicone material, this stylish workout tool adds intensity to any workout or everyday chores. A simple yet sweet bracelet Catbird Catbird Two Souls Bracelet in Baby Blue, available at Catbird, $24There's nothing quite like pearls, and this simple but elegant bracelet has a couple nestled together. An Amazon Echo Dot Amazon An Echo Dot (4th generation), available at Amazon, $34.99Maybe she needs something better than her phone or her laptop to play music. This isn't exactly a booming sound system by any means, but it will more than suffice.  A massager to melt away tension Zyllion Shiatsu Massager, available at Amazon, $49.95This shiatsu massager is one of the best things we've ever bought. It kneads away tension and stress in the back and shoulders and can even be used on sore leg muscles after a workout. She'll be thanking you for years to come.Read our full review of the Zyllion Shiatsu Massager here.  A live lobster dinner Lobster Anywhere A live 1.5-pound lobster, available at Lobster Anywhere, $44.95Maybe you're too far away for a romantic dinner this year, but that doesn't mean you can't spoil her. Or maybe you are home — tack on another one for yourself and cook her a dinner to remember. A customizable photo book Artifact Uprising; Business Insider Color Series Photo Book, available at Artifact Uprising, from $22Get a little sentimental by commemorating their life highlights with this custom photo book. You can choose from 10 colors and fill up to 30 pages with photos, cool layouts, and special messages. A letter subscription service for the history buff Uncommon Goods History by Mail Six-Month Subscription, available at Uncommon Goods, $40Once a month for six months, this mail subscription service will send detailed replicas of historical documents, like Albert Einstein's correspondence with FDR. A team of archivists digs up fascinating historical documents, and graphic designers replicate them — handwriting, signatures, and all.  A picnic blanket that's super comfortable Moosejaw Victory Blanket, available at Moosejaw, $43.99This blanket has a soft flannel top and waterproof bottom, plus straps to keep it compact and loops to hold it down on windier days. We've even ranked this one as the best for comfort in our guide to the best picnic blankets. A puzzle that commemorates a special date Uncommon Goods New York Times Custom Front Page Puzzle, available at Uncommon Goods, from $49.95Celebrate her special day — birthday, anniversary, or milestone — with this interactive memento. Enter any date since 1851 and find the New York Times front page printed from that exact date. An all-purpose tote with a detachable wristlet Nordstrom Street Level Reversible Faux Leather Tote and Wristlet, available at Nordstrom, $49A plain tote may seem like a boring gift, but this one is reversible and features a detachable wristlet. You're getting three different bags for $50. It's a utilitarian gift with a fashion-friendly twist. A workout tee for all seasons Under Armour; Business Insider Women's UA Tech Twist V-Neck, available at Under Armour, $24.99This bestselling workout shirt from Under Armour will keep them moving with four-way stretch construction and quick-drying, sweat-wicking fabric. Its looser fit makes it comfortable, and it comes in 15 colors. A wearable sherpa blanket Amazon The Comfy Oversized Wearable Blanket, available at Amazon, $44.95As seen on Shark Tank, this wearable blanket lets you take comfort wherever you go. The plush, fluffy lining will keep her warm and cozy while lounging, camping, and more. Choose from 17 fun colors and opt for the original hoodie style or the quarter zip. Its large, oversized design is one size fits all. A reusable tote bag for trips to the market The Little Market Shopping Tote - Market Finds, available at The Little Market, starting from $20This tote is both a convenient and sturdy way to take home your groceries. It's handmade and supports artisan women in rural Bangladeshi communities. A box of chocolate bars from Madagascar The Little Market Chocolate from Madagascar Flight, available at The Little Market, $34The chocolate connoisseur in your life will savor this gift box of four dark chocolate bars from Madagascar. She can indulge in flavors like Salted Almond, 80% Dark, Toasted Coconut, and Sea Salt, but you can also opt out of specific flavors to fit her taste preferences. A painting kit for beginners Uncommon Goods Springtime Paint-by-Number Kit, available at Uncommon Goods, $30If she's artistic — or strives to be — she'll appreciate this painting kit that anyone can follow with ease. Creating her work of art will take up to three hours, but she'll end up with a frame-worthy masterpiece. A coffee-and-tea bundle Bean Box A coffee and tea tasting box, available at Bean Box, $46For your favorite fan of both morning beverages, Bean Box offers a gift box with four coffees and four teas. A Kindle case that looks like her favorite book Amazon KleverCase Kindle Paperwhite Case, available at Amazon, from $29.95You'll find many classic book covers cleverly printed onto Kindle cases, along with one that looks like an unmarked leather-bound book. All she has to do is pop it on her e-reader. An exceptionally useful set of silicone container lids Food52 Five Two Airtight Silicone Lids, available at Food52, $40If she enjoys cooking, chances are she's probably spent a good amount of time trying to find the right container and lid for her leftovers. These silicone lids are a snap. All you have to do is pop one over a bowl or baking dish, and you get an airtight seal for easy storage in the fridge. A cold brew maker Amazon; Business Insider Patented Deluxe Cold Brew Iced Coffee Maker, available at Amazon, $22.20Caffeine lovers who can't get enough of their favorite drink tend to spend a lot of money at coffee shops to get their fix. Make it easier for her to drink cold brew at home with this simple-to-use brewing pitcher.Read our full review of the Takeya Patented Deluxe Cold Brew Ice Coffee Maker here. Wine-inspired bath soaps Uncommon Goods Set of Four Wine Soaps, available at Uncommon Goods, $30This all-natural vegan soap mimics red and white wines with its oils and scents, offering a unique way to wind down after a long day. The set includes chardonnay, cabernet, pinot noir, and pinot grigio. An Alexa-enabled smart plug Amazon; Business Insider Alexa-Enabled Smart Plug, available at Amazon, $24.99This voice-controlled smart plug allows her to control lights, chargers, and whatever else she wants through Alexa. She can also use the Alexa app to turn the outlets on and off if she doesn't have an Echo. An inexpensive accessory for her phone Amazon; Business Insider PopSockets, available at Amazon, from $10PopSocket Grips are an inexpensive but extremely useful gift she'll be happy to have. She can stick them on the back of her phone, Kindle, iPad, or any other device to create a comfortable grip that allows her to hold her device one-handed. A perfume subscription Scentbird Scentbird subscription, three months for $44If she loves to switch up her scents, Scentbird is an affordable service that lets her choose a month's supply of perfume from thousands of well-known and new fragrances. With a three-month subscription, she can try something new or stick to the ones she knows and loves. A monthly book subscription Book of the Month Club Book of the Month, three months, starting at $49.99Each month, this service curates five book choices — some of them early release — and she'll choose her favorite. The service will send the book directly to her. She can also skip a month if she's behind on her reading. A portable charger that also lights up the bottom of her bag The Grommet Smart Handbag Light and Charger, available at Uncommon Goods, $35.95No more frantically searching for gum or lip balm at the bottom of her giant tote bag — this little light can be attached to her keychain or even a zipper on her bag so she can easily see everything in its depths. It can also charge her phone. A monthly subscription to handpicked rental jewelry pieces Rocksbox/Insider Rocksbox Jewelry Subscription Box, available at Rocksbox, $21 per monthIt's hard to gift jewelry she'll love, so give her options. This monthly subscription box offers three pieces of jewelry for rent, according to her style. From a choker necklace to statement earrings, the choices are vast. The monthly membership allows her to wear and swap sets whenever she likes, with the option to buy them for an additional price. An adjustable rolling pin Amazon; Business Insider Adjustable Rolling Pin, available at Amazon, from $24.99Anyone who loves to bake will appreciate this adjustable rolling pin that allows for more precision with dough thickness. All she'll have to do is remove or add the different-sized rings and let them guide her. A letter board where she can leave notes or fun messages Amazon/Business Insider Felt Like Sharing Felt Letter Board, available at Amazon, from $23.95Sporting events, holidays, parties — there are a ton of occasions during which these come in handy. She'll also love being able to play around with it day to day at home with her favorite lyrics, phrases, or even messages to roommates. A pretty place to keep her phone Uncommon Goods Bedside Smartphone Vase, available at Uncommon Goods, $32This bedside vase is a fun way to spruce up her nightstand, whether with fresh or faux flowers. It also works beautifully in the kitchen if she likes to follow recipes using her phone. A wine saver for open bottles Amazon; Business Insider Wine Saver, available at Amazon, $14.95Sometimes you just can't finish the bottle of wine. That's when the Vacu Vin comes in. It's a simple, small gadget that removes the oxygen from your open bottle and gives it an airtight seal to preserve the freshness and prevent oxidation. A trendy candle she's probably already got her eyes on Otherland Otherland Candles available at Otherland, $36An Otherland candle makes for one of the best gifts you can give for any occasion. They come beautifully packaged, and they feature scents that are complex and rich.Read our full review of Otherland candles here. A popular cookbook she's probably seen on Instagram Amazon; Business Insider "Dessert Person" by Claire Saffitz, available at Target, $22.24Whether she's new to the kitchen or it's her favorite room in the house, she can try lots of easy-to-make desserts from Claire Saffitz's cookbook.The Insider Reviews team has also loved "Indian-ish: Recipes and Antics from a Modern American Family" by Priya Krishna, which is chock full of Indian-American and nontraditional recipes like Roti Pizza and Saag Feta. Check out our guide to the best cookbooks here.  A flexible herb garden for the home Uncommon Goods; Business Insider Mason Jar Indoor Herb Garden, available at Uncommon Goods, $22She doesn't need a green thumb to make these herbs grow. These pretty jars can hold fresh basil for sauces, mint to kick up her cocktail game, and more. A way for her to share and pass down memories and traditions Uncommon Goods My Life Story So Far, available at Uncommon Goods, $30This book is like a guided journal for her to record her memories, accomplishments, and experiences. No matter her age, it's something she'll undoubtedly enjoy keeping track of and sharing with others. A natural body scrub Herbivore Botanicals Coco Rose Exfoliating Body Scrub, available at Sephora, $36Pamper her with this coconut-and-rose-infused body scrub that gently exfoliates. It'll leave her skin feeling soft and moisturized – not to mention she'll smell wonderful wherever she goes. You can read more about this product in our guide to the best body scrubs.  A tablet for easy entertainment Amazon Fire 7 Tablet with Alexa, available at Best Buy, $49.99Great for traveling or lounging at home, the Amazon Fire 7 Tablet is an affordable way to stay connected to all her favorite apps, games, and streaming services on a larger screen than her phone. A fashion-friendly belt bag Nordstrom Herschel Belt Bag, available at Nordstrom, from $32Belt bags (aka fanny packs) are making a comeback. They're practical and a simple way to add a stylish pop to any outfit. An excellent cookbook for entertainers Amazon; Business Insider "Platters and Boards: Beautiful, Casual Spreads for Every Occasion" by Shelly Westerhausen, available at Amazon, $15.38If having people over is more of a pleasure than a chore for her, she'll adore this cookbook full of clever recipe ideas for casual entertaining. A comfy neck pillow for trains and planes Amazon Neck Pillow, available at Amazon, $29.99If she goes on a lot trips (or has travel anxiety), the gift of comfort is one she'll appreciate.Read our full review of the Trtl Neck Pillow here. A smart way for her to stay organized while traveling Amazon; Business Insider Travel Cord Roll, available at Uncommon Goods, $20Frequent travelers need a way to keep all their cords and cables organized. This leather roll-up organizer has eight slots for cords and headphones, plus a pouch where your charger base can fit. A clever way to collect accomplishments and hopes Uncommon Goods Birthstone Wishing Balls, available at Uncommon Goods, $34These lovely, handblown glass balls have a small hole at the base. Your giftee writes a wish or achievement on one of the 52 included slips of paper. A year later, she'll have a display piece full of meaning. A guide full of inspiration for her future adventures Anthropologie; Business Insider "The Bucket List" by Kath Stathers, available at Anthropologie and Amazon, from $21.49This worldwide bucket list won't cure her wanderlust, but it'll definitely provide her inspiration and fodder for planning her travels. A tinted lip balm with sun protection Nordstrom Sugar Tinted Lip Treatment, available at Nordstrom, $24If her beauty preferences tend to be more natural, she likely loves a good tinted lip balm. Fresh makes some of the best — the color options are universally flattering, and the formula is smooth, hydrating, and buttery. We've even named this the best option with SPF in our guide to the best tinted lip balms.  An armband that holds her phone on runs or at the gym Amazon Water-Resistant Arm Band, available at Amazon, $14.98If she loves to run or spends a lot of time at the gym, this top-rated armband will be a lifesaver. Just make sure you know what model phone she carries, as the sizing may differ. A makeup and skincare subscription Birchbox Birchbox three-month gift subscription, $45Birchbox is a skincare and makeup subscription that sends tons of beauty samples to test out and play around with. If she loves any of them, she can easily buy the full-sized version through the service. You can opt to give a longer subscription if you'd like. Read our full review of Birchbox here. A convenient yoga mat carrier Amazon Go Play Yoga Mat Bag, available at Manduka, $35If she's a fitness enthusiast who frequents local yoga classes, a carrying strap will make her life much easier (especially if she walks or takes public transportation to class). A dainty pair of hoops Maison Miru Shooting Star Open Hoop Earrings, available at Maison Miru, $50So many people on the Insider Reviews team have a pair of these open hoops. Their horseshoe shape is just different enough to set them apart, while a tiny, twinkly cubic zirconia catches the light to add a bit of sparkle. A puzzle of her heroines Uncommon Goods Nevertheless She Persisted Puzzle, available at Uncommon Goods, $18This puzzle features illustrations of both prominent and lesser-known women who have shaped and changed the course of history. A portable external battery Amazon PowerCore 10,000mAh External Battery, available at Amazon, $24.99A good external battery is one of those practical gifts she probably needs but won't buy herself. Treat her to a good one that holds enough juice to charge her iPhone three times or her Galaxy twice. Reusable produce bags Amazon Reusable mesh produce bags (5-pack), available at Amazon, $7.47If she's an avid grocery shopper who opts for eco-friendly products, she'll appreciate this functional and sustainable set of mesh produce bags. The color-coded tags and drawstrings will help keep things organized. A cozy throw blanket to keep her warm L.L.Bean Wicked Plush Throw, available at L.L.Bean, from $29.95This blanket has been a fan favorite for a while, which is why L.L.Bean carries this new and improved version. The brandmade the blanket even softer with 100% polyester that's been brushed on both sides. It's so soft she'll want to be wrapped in it at all times, which is why we've also included it in our guide to the best throw blankets. An interactive cooking class Sur La Table Sur La Table Online Cooking Classes, starting $29 per householdWith Sur La Table's virtual cooking classes, she can follow along with expert chefs live from the comfort of her kitchen. These hands-on 90- to 120-minute classes cover everything from seasonal dishes to cocktails and desserts. The be-all, end-all in French cookbooks Amazon Mastering the Art of French Cooking, Volume One, available at Amazon, $23.99There might be no compendium of French recipes more definitive than Julia Child's, and there's always Volume Two for next year. Also, you may get some great meals out thanks to this gift. A personalized video message from her favorite celebrity Cameo Personalized video message, starting at $1, available at CameoCameo has tons of famous people she might want a personalized video message from. There's something for almost everyone on Cameo, with prices as low as $1. You can choose a category, like reality TV or athletes, and filter by price and how long it takes to get a response. Read more about Cameo and how to use Cameo. An elegant bottle holder Pottery Barn Wood Marble Wine Cooler, available at Pottery Barn, $39.95This elegant marble-wood bottle holder keeps her favorite wine cool for hours on end. When she isn't staging it next to a charcuterie board, the holder is just a bouquet away from doubling as a vase.  A simple knitting kit for beginners We Are Knitters Braille Beanie Knitting Kit, available at We Are Knitters, $44Whether she's new to knitting or a long-time pro, this crafty beanie kit has everything she needs — from the yarn, to the needles and, of course, the instructions. A customizable box of candy for adults Sugarfina Four-Piece Candy Bento Box, available at Sugarfina, $38Satisfy her sweet tooth with a custom box of candy. Sugarfina's candies are distinctly "adult" — but she'll still feel like a kid when she digs into a box of rosé gummies. A planner to help her stay organized Ivory Paper Co. All-In-One Planner, available at Ivory Paper Co., $49Working out your day, month, and year can sometimes feel overwhelming, but this planner makes life easier with its neat and straightforward layout. Plus, you can pick the start date and length of the planner and even add her name for a more personal touch. For more options, you can check out our roundup of the best planners.  A handcrafted set of minimalist coasters West Elm The Vintage Vogue Linea Coasters (Set of 4), available at West Elm, $29A clever way to keep her home clean and stylish is with these minimalist, chic coasters.  Read the original article on Business Insider.....»»

Category: dealsSource: nytOct 15th, 2021

25 thoughtful and fun tech gifts under $100

We found 25 practical, thoughtful, fun, and creative tech gifts under $100 that your loved ones are sure to enjoy - now updated for the holiday season. When you buy through our links, Insider may earn an affiliate commission. Learn more. Amazon; Gilbert Espinoza/Business Insider The right tech can bring your friends and loved ones a much-needed upgrade in quality of life. Even on a budget of under $100, there are plenty of exciting and useful tech gifts to choose from. If you're on an even tighter budget, here are the best tech gifts under $50. Still looking for a gift? Check out our list of the All-Time Best products we've ever tested. If you know where to dig, there's a surprising amount of excellent tech gifts out there - accessories, fitness trackers, tablets, and smart speakers - for less than $100.Fret not, however: there's no need to trudge through the pages of Amazon, Target, and Best Buy to find the best affordable tech. We've done that hard work for you.Through research and direct testing we've uncovered the very best tech gifts under $100. We included a number of gifts in every price range, so you're bound to find the right gifts for your loved ones. A smart speaker with Alexa, the most popular smart home assistant Lisa Eadicicco/Business Insider Amazon Echo, $99.99, available at AmazonThe new Echo is an excellent smart speaker and Alexa can answer your giftee's questions, play music, and control smart home devices like lights and TVs. The new fourth-generation model also features an updated design with a spherical shape that fits nicely with most decor.Read our full Echo review hereIf your giftee isn't into Amazon's products but still wants a smart speaker, the Google Nest Audio is a great alternative. The smart speaker is reliable at answering queries, can control smart home gadgets, and play music with good sound.Google Nest Audio, $99.98, available at WalmartRead our full Nest Audio review here A dedicated fitness tracker without the distractions of a smartwatch Fitbit Fitbit Inspire 2, $98.90, available at AmazonFitbit's affordable Inspire 2 tracker has no shortage of useful features to track your giftee's fitness metrics. The tracker has a heart rate monitor that helps improve the accuracy of tracking calorie burn, resting heart rate, and heart rate zones. As an added bonus, buyers also receive a free one-year trial of Fitbit Premium.While more expensive devices like the Apple Watch have many of the same features, they also can bring added distractions and unnecessary steps for a user who primarily wants to keep track of their health. A countertop display that's also a smart home hub Amazon Amazon Echo Show 5, $84.99, available at AmazonThe Echo Show 5 (2021) is an affordable smart display that has Alexa built-in. Your giftee can watch recipes and videos on it, see the time at a glance, and ask Alexa questions. It can also play music and control smart home devices. A Philips Hue smart lighting starter kit Philips Philips Hue White LED Smart Bulb Starter Kit, $99.99, available at AmazonPhilips Hue smart light bulbs can be controlled using an app or a virtual assistant like Alexa or Google Home. That means you can dim the lights, set them to change at specific times, or turn them off with a voice command if you're using an assistant.The hub included in this starter kit can connect and control your lights without a separate virtual assistant, and the smart button will let you turn the Philip Hue bulbs in your house on and off without any extra wiring. A 4K streaming device to bring new life to TVs Roku Roku Streaming Stick+, $44.99, available at Best BuyAnyone who likes to spend their free time streaming videos at home can make use of the Roku Streaming Stick+. Roku's media streamers are the best in the business, and the Stick+ can stream TV shows and movies from all the major streaming services, including Netflix, HBO Max, Peacock, Disney Plus, Hulu, Amazon Prime Video, and many more. You might want to wait a little, as Roku just announced new $50 Streaming Stick and Streaming Stick+ 4K models that add better performance and Dolby Vision HDR. Those are available for pre-order now, and we've just begun testing them at Insider Reviews. Roku Ultra, $99.99, available at TargetIf you're looking for the absolute best features then the Roku Ultra is an ideal streaming player. It's the best media streaming device we've tested, thanks to its easy-to-use interface, 4K playback, voice control, and simple remote. It can transform your so-called dumb TV into a smart one that plays shows and movies from Netflix, Hulu, HBO Max, Disney Plus, Prime Video, and other streaming services. Unlike the cheaper Roku Stick model, this version adds Bluetooth, a USB port for external playback, and Dolby Vision capabilities for even better HDR performance on select apps. Read our full Roku Ultra review here A PopSocket grip for your phone Facebook PopSocket Grip, $8 and up, available at PopSocketPopSocket Grips stick to the back of your phone and can expand outwards whenever you need a grip or a stand. Use one to take steadier photos, text with a better grip, hold a large device more securely, watch movies, and video chat with ease and comfort. Many cost less than $10 and they come in a variety of colors and patterns to fit your recipient's personality. There are even plant-based PopSocket grips that are more environmentally friendly. PopSocket has also added MagSafe versions that magnetically attach to compatible iPhones (iPhone 12 and iPhone 13 series) rather than attaching with sticky glue. MagSafe PopSockets are also the best option for MagSafe iPhones, as you can easily remove the PopSocket to place the iPhone on a wireless charger. You can also find PopSocket cases that have built-in grips that start at $50. An ebook reader with a built-in light Amazon Amazon Kindle, $59.99, available at AmazonThe entry-level Kindle is a great gift for book worms who want a digital library of ebooks to take with them on the go. For young or new readers, the lack of apps on Kindle can help them stay focused on reading.Newer Kindle models include a front light for night reading, and the Kindle can retain battery for weeks on a single charge. The $60 version includes ads on the home screen, so you may want to consider spending an extra $20 for the ad-free Kindle; though your gift recipient can also pay the $20 later on. A smart herb garden Click and Grow Click and Grow Smart Garden 3, $99.95, available at AmazonWith the Click and Grow Smart Garden, your loved one can grow fresh herbs like basil, cilantro, or thyme in a matter of weeks. The garden kit includes LED lights and basil plant pods — once set up, it will automatically water the herbs on a regular basis for two to three weeks. A phone case that's lovely to look at and built to last Nomad Nomad Leather iPhone Cases, $39.95 and up, available at NomadNomad uses genuine Horween leather to craft gorgeous, durable iPhone cases that age beautifully. We can't recommend the brand's cases enough. Nomad also makes a few Samsung and Google Pixel cases.Otterbox case, $40 and up, available at OtterboxOtterbox has a reputation for bulky protective cases that can withstand a lot of drops, but that doesn't mean they're ugly. In fact, Otterbox has tons of super fun cases with Star Wars, Disney, Pixar, and Marvel characters on them as well as some stylish designs. A custom-designed iPhone case filled with familiar photos Casetify Casetify Custom iPhone 12 Case, $45 and up, available at CasetifyCasetify has a huge selection of cases with designs that you might find more interesting than most cases with simpler single or double-color designs.Casetify is also known for its easy to use custom design tool that lets you turn your favorite photos or designs into a custom iPhone case. There are several case styles and dozens of templates, so you can turn your friend's best photos into a unique way to protect their phone. An excellent pair of wireless headphones Best Buy Sennheiser HD 350BT Bluetooth Wireless Headphones, $79.95, available at AmazonSennheiser makes some of the best over-ear headphones. Though not one of its flagship models, the HD 350BT are still strong performers. They're comfortable, deliver outstanding sound quality, and have a long battery life of up to 30 hours. Tech-friendly gloves Amazon L.L.Bean Touchscreen Gloves, $29.99 and up, available at L.L.BeanProtect your loved ones' fingers when it's cold outside and they still want to text their friends and family. These touchscreen gloves are super warm and work well on screens. A durable, weighted iPhone charging cable Native Union Native Union Night Cable, $39.99, available at AmazonNative Union makes some of the most attractive phone accessories around. The Night Cable is the best long lightning charging cable for the iPhone. It has a 10-foot cord and a handy weight to hold it in place while your phone charges. A desk lamp with a wireless charger Amazon TaoTronics LED Desk Lamp with Wireless Charger, $39.99, available at TaoTronicsIf your giftee has a phone with wireless charging built in, the TaoTronics Desk Lamp is a great gift. It has a built-in wireless charger and a USB port so you can charge your devices wirelessly or with a cable. The lamp is also well made and fully adjustable. It has multiple brightness and color temperature settings so you can make it your own. A beautiful wireless charger Native Union Native Union Drop Wireless Charger, from $49.99, available at AmazonNative Union always impresses with its stylish tech accessories. If your giftee hates boring black and white tech, get them Native Union's attractive wireless chargers, which come in multiple colors, including rose, sage, indigo, and more. An instant camera Fujifilm Fujifilm Instax Mini 11, $69.99, available at Best BuyInstant cameras are the perfect gift for shutterbugs who wish they'd lived during the age of the Polaroid. Fujifilm's Instax Mini 11 comes in cute colors and takes fun, retro pictures that are printed right after they're taken. A light for better smartphone photography Amazon Lume Cube 2.0, $89.99, available from Lume CubeAny smartphone shutterbug will love having the Lume Cube 2.0 in their mobile photography kit. The little light helps illuminate the subject of a photo when the lighting is subpar. An iPhone USB memory stick Amazon SanDisk iXpand and Flash Drive 128GB for iPhone, $45.99, available at AmazonEven though iPhones now come with more storage built in, it's still easy to run out of space. For people who take too many photos, download tons of music, shows, and games on their phones, the SanDisk iXpand is the perfect gift. An iPhone dock Amazon Twelve South HiRise 2 Deluxe, $54.99, available at AmazonAn iPhone dock looks nice on any desk, nightstand, or table, and it gives your giftee a good place to charge their phone. The Twelve South HiRise 2 Deluxe comes with lightning and Micro USB cables. The device also features a handy design that holds your iPhone up off the base. This prevents your phone's speakers and home button from getting blocked.  A set of trackers to keep tabs on belongings Amazon Trackers are one of the most practical tech gifts you can give. Once they're paired, your giftee can use their phone to make the trackers send them a notification to help find a lost item, or show the tracker's last known location on a map.One Tile Mate Tracker, one Tile Slim Tracker, and two Tile Stickers, $69.99, available at AmazonThis pack comes with one Tile Slim, which is thin enough to slip into a wallet, one Tile Mate, which has loops so it can fit onto key rings, and two Tile Stickers, which can be attached to a remote or other electronic device. One Apple AirTag, $29, available at AppleApple's AirTags are the best option for Apple users and have a big advantage over Tile tags. That's because AirTags can ping off iOS devices, whereas Tile tags ping off other Tile tags. In turn, that means an AirTag and the object it's attached to is more likely to be pinged by a one or several of the billion iPhones in the world.Read our Apple AirTag review here.One Samsung Galaxy SmartTag, $29.99, available at SamsungSamsung's Galaxy SmartTags are ideal for Samsung phone users, as each tag can ping off a Samsung Galaxy phone in the same way that Apple's AirTags work. There's a huge number of Samsung Galaxy phone users out there, so the chances that your Galaxy Smart Tag would get discovered is high. A temperature-controlled mug Amazon Ember Temperature Control Ceramic Mug, $99.95, available at AmazonIt seems like everything is high-tech these days and a lot of it seems pointless, but this is not one of those things. Ember's smart mug can keep your loved one's drink at the perfect temperature so they never burn their tongue again. It uses a smart heating coaster and an app to help you decide how hot you want your drink to be every time. A kid-friendly tablet with a year's worth of children's books and videos Amazon Fire 7 Kids Edition Tablet, $59.99, available at AmazonKids love tablets, but they can also be destructive fiends when it comes to tech. Luckily, Amazon's Kids Edition of the Fire 7 tablet is here to save the day with its protective case and warranty against accidental damage. The Kids Edition also comes with one year of Amazon Kids, which adds tons of kid-friendly content you can find via Amazon apps like Kindle and Amazon Prime Video.Fire HD 8, $59.99, available at AmazonThe Fire HD 8 tablet is also a solid option for teens and adults who don't need the extra power of an iPad or Microsoft Surface. The latest Fire HD 8 has a 1,280 x 800-pixel screen, 32GB of storage built in, and room for expansion via a Micro SD card slot. An alarm clock with a soothing light and built-in Bluetooth Amazon iHome Zenergy Light Alarm Clock, $69.99, available at Bed Bath and BeyondNo one likes waking up to a blaring alarm, so a light therapy alarm clock that tries to awaken you with a gradual, sunrise-like increase of light is a nice gift. The iHome Zenergy offers a number of great light alarm features, but it also has a decent Bluetooth speaker built into it, so your giftee can play music, too. A waterproof Bluetooth speaker Ultimate Ears/Amazon Logitech Wonderboom 2, $94.99, available at AmazonThe Logitech Wonderboom 2 is a small and simple Bluetooth waterproof speaker that has surprisingly big and good sound for its size and price. It's an ideal gift for friends and family who like to be outside. A pair of budget-friendly wireless earbuds 1More 1MORE Stylish True Wireless Earbuds, from $56.99, available at AmazonThese wireless earbuds are cheaper than AirPods, but they sound even better. They also last for 24 hours of total playtime and 6.5 hours of continuous use.  Read the original article on Business Insider.....»»

Category: topSource: businessinsiderOct 12th, 2021

U.S. adults spend big on video games, playing mostly on phones

The average American video gamer is 33 years old, prefers to play on their smartphone and is spending big on content -- 20 percent more than a year ago and 85 percent more than in 2015, a report showed on Thursday......»»

Category: topSource: moneycentralMay 9th, 2019

Microsoft (MSFT) Releases New Gaming Features on Edge Browser

Microsoft (MSFT) releases new gaming features on Microsoft Edge version 103 to improve gamers' experience. Microsoft MSFT recently unveiled new gaming features for its Edge browser on Windows 11 and 10. Starting with version 103, Microsoft Edge includes a new gaming homepage and integration for casual gaming.The tech giant has also created a gaming homepage for Edge, which includes gaming news, live streams, Xbox content, and quick access to Xbox Cloud Gaming. Users can also keep a tab on the upcoming game releases and other information.The browser also has a dedicated Games menu, which offers a slew of free-to-play casual and arcade games such as Microsoft Solitaire, Microsoft Mahjong, Microsoft Jewel, and Microsoft Edge Surf Game.Microsoft Edge is also getting a Clarity Boost to improve Xbox Cloud Gaming streams and an efficiency mode to prevent it from taking PC resources when a game is being played.Microsoft Edge Efficiency Mode is another feature that Microsoft is touting in order to improve gaming performance. This feature will reportedly ensure that games run smoothly by cutting down on the browser’s resource usage. This feature minimizes the impact on performance and users can enjoy their games without having to completely exit the browser. The update is compatible with both Windows 10 and Windows 11 versions.The new Clarity Boost feature for Xbox Cloud Gaming is a spatial upscaling feature designed to make Xbox streamed games much clearer and sharper. Microsoft claims that this feature will bring the cloud gaming experience a little closer to the console experience.The new version of Edge comes with some Xbox-exclusive features. Users can log in to their Xbox account in the browser and check for games that have been playing recently. It also has shortcuts to discover games and access the Xbox Cloud Library.The Xbox Game Pass widget is particularly useful, as it lists new games that have been added to the subscription, games which are slated for release, and games that are currently trending on the service.Microsoft Corporation Price and Consensus Microsoft Corporation price-consensus-chart | Microsoft Corporation QuoteStrong Footprint Within Gaming to Aid GrowthPer Fortune Business Insights report, the global cloud gaming market size is expected to rise from $3.24 billion in 2022 to $40.81 billion by 2029 at a CAGR of 43.6% during the said period. This augurs well for Microsoft, which is a prominent player in the videogame domain.Microsoft, which currently has a Zacks Rank #3 (Hold), is down 24.2% year to date compared with the Zacks Computer – Software industry’s fall of 28.4% and the Computer and Technology sector’s decline of 31.9%. You can see the complete list of today’s Zacks #1 Rank (Strong Buy) stocks here.Combining cloud gaming with Xbox Game Pass Ultimate service, for no extra cost, is likely to fortify Microsoft’s competitive position in the cloud gaming space. Microsoft added that its cloud gaming is now being powered by custom Xbox Series X hardware, thereby improving the overall gaming experience.Alphabet Inc.’s GOOGL Google offers Stadia, a cloud gaming platform. Stadia’s availability on Chromecast with Google TV and on compatible Android TV OS devices has made it a popular gaming platform for users.NVIDIA Corporation NVDA stands to benefit from the rapid adoption of cloud gaming as it offers its cloud gaming service, namely, GeForce NOW. The total number of titles available on NVIDIA’s platform has reached 1,000, including nearly 100 free-to-play titles.Meta Platforms META offers cloud gaming on its platform that provides coverage to more than 98% of the people in mainland United States. Assassin’s Creed Rebellion by Ubisoft has gained immense popularity as a cloud game on Facebook Gaming.Microsoft’s acquisition of Activision Blizzard in an all-cash deal for $68.7 billion has helped it become the third-largest gaming company in the world and provided it with the expertise to claim its stake in the multimillion-dollar metaverse market.Microsoft already owns two massive video game titles, Halo — the company’s flagship video game, and Minecraft — the best-selling game of all time. The company has published all Activision’s video game titles on its Xbox Game Pass.Microsoft’s Game Pass Subscription Service has also emerged as a key factor driving its video game business. Subscription services ensure a stable and recurring revenue stream. For a low monthly fee of $9.99, Game Pass allows subscribers to gain access to 100 video game titles on consoles.Xbox Game Pass subscriber count exceeded 25 million in January of this year, and Activision titles currently have around 400 million monthly active players. Providing affordable access to the most iconic gaming franchises will undoubtedly fuel Microsoft’s gaming segment growth and propel its top line. Just Released: Zacks Top 10 Stocks for 2022 In addition to the investment ideas discussed above, would you like to know about our 10 top picks for the entirety of 2022? From inception in 2012 through 2021, the Zacks Top 10 Stocks portfolios gained an impressive +1,001.2% versus the S&P 500’s +348.7%. Now our Director of Research has combed through 4,000 companies covered by the Zacks Rank and has handpicked the best 10 tickers to buy and hold. Don’t miss your chance to get in…because the sooner you do, the more upside you stand to grab.See Stocks Now >>Want the latest recommendations from Zacks Investment Research? Today, you can download 7 Best Stocks for the Next 30 Days. Click to get this free report Microsoft Corporation (MSFT): Free Stock Analysis Report NVIDIA Corporation (NVDA): Free Stock Analysis Report Alphabet Inc. (GOOGL): Free Stock Analysis Report Meta Platforms, Inc. (META): Free Stock Analysis Report To read this article on Zacks.com click here......»»

Category: topSource: zacksJun 27th, 2022

"Completely Predictable" Study Reveals 75% Of US Teens Aren"t Getting Enough Daily Exercise

'Completely Predictable' Study Reveals 75% Of US Teens Aren't Getting Enough Daily Exercise Researchers from the University of Georgia (UGA) find a whopping 75% of teens aren't getting enough exercise and suggest it may have to do with students' school environment.  "The length of recess, physical facilities and social environments at schools have been found to affect physical activity among students," lead study author Janani R. Thapa, an associate professor of health policy and management at UGA's College of Public Health, told the university's newspaper.  Thapa and her co-authors examined data of 362,926 students (48% males and 52% females) from the Georgia Student Health Survey, revealing the alarming inactivity among teens. The data included eight characteristics of climate: school connectedness, peer social support, adult social support, cultural acceptance, physical environment, school safety, peer victimization (bullying), and school support environment. Researchers also found female students experienced less physical activity than their male counterparts. Only 35% were active compared to 57% of males. And physical activity decreased from ninth grade to 12th grade for both genders. "Over time, the state has observed declining levels of physical activity among all adolescents, but the rate is higher among female middle and high school students," Thapa said. Thapa pointed out students of both genders were more physically active when the school climate was more positive. She concluded by saying the findings suggest that K-12 schools should consider ways to improve a school's environment to bolster physical activity among teens.  The latest study is just more evidence that America's severe youth obesity epidemic shows no signs of abating. Western values and megacorporations have pushed junk food, smartphone, and video game addictions into the lives of young people, have made them not just unhealthy but lack any motivation to step outside of their parent's basements and play a pick-up game of basketball or baseball with friends or explore the great outdoors. Kids are obsessed with unhealthy eating trends, watching TikTok videos, and playing violent video games—no wonder a mental health crisis has emerged among the youth.  Also, the intense focus by the federal government on reducing childhood obesity has failed. Remember former first lady Michelle Obama's "Let's Move" campaign -- well, that quickly died. The situation didn't improve when President Trump served McDonald's Big Macs to the Clemson Tigers when they visited the White House in 2019. And who really knows what the Biden administration is up to -- they're more concerned about gender identity than physical fitness.  And why are overweight youth such a bid deal? The alarming rates could be considered a national security threat as it threatens military readiness -- can't fight a war with a bunch of obese teens fresh out of high school.  Biden should lay off the ice cream and learn how to ride a bike to show America's youth he's serious about "building back better."  Tyler Durden Mon, 06/27/2022 - 06:55.....»»

Category: blogSource: zerohedgeJun 27th, 2022

34 gift ideas for kids of every age, from STEM sets to outdoor toys

We rounded up the best gifts for kids of all ages, including building sets, fidget toys, crafts, and toys from "Harry Potter" and Marvel. When you buy through our links, Insider may earn an affiliate commission. Learn more.We rounded up the best gifts for kids of all ages, including building sets, fidget toys, crafts, and toys from "Harry Potter" and Marvel.Uncommon Goods; AmazonGifts for kids fall into two categories: the short-lived toys that are played with for only a few minutes and the ones that become daily favorites. But how can you know which gift will be a hit and which will be forgotten on a shelf?The best gifts for kids are fun, durable, age-appropriate, and encourage imagination or physical activity. A child's favorite gift will often be one that fits their current interests, whether that's dinosaurs or crafts.As a mom of three who hates the clutter of unused toys, I often spend hours researching gifts for my kids as well as my nieces and nephews. Along with some of our personal favorites, I've rounded up the top-reviewed and hottest toys of the year to help you choose a gift for the child in your life. Check them out below, listed from youngest to highest age recommendations.Here are 34 of the best gifts for kids in 2022:A long-lasting bath toy setAmazonGreen Toys Eco-Friendly Submarine and Tug Boat Set, available at Amazon and Target, from $19.88My rough-and-tumble kids have yet to break any of their Green Toys vehicles. Made from sturdy recycled plastic, this submarine and tug boat set is the most durable bath toy I've owned and doubles as a cup for washing hair. Traditional bath toys like rubber ducks have hiding spots for mold, but these boats open up for easy cleaning.Recommended ages: 6 months and upA personalized puzzle just for themAmazonFat Brain Toys Personalized Name Puzzle, available at Fat Brain Toys and Amazon, $26.95Personalized gifts are often a big hit, and this name puzzle has the added benefit of helping younger kids learn to spell their names. The puzzle can be customized with names up to nine characters long and can also double as a bedroom decoration. Recommended ages: 1 year and upA custom bear for Harry Potter fansBuild-A-BearBuild-A-Bear Harry Potter Collection, available at Build-A-Bear, from $12.50Build-A-Bear's wide range of quality plush and accessories allows you to gift a customized teddy. The Noble Harry Potter collection is a great gift for fans of the series. You can choose a bear — or perhaps Hedwig or a house animal — and deck it out in clothes for one of the four houses.Recommended ages: 3 years and upA dollhouse that's big on responsibilityWalmartFisher-Price Little People Big Helpers Home, available at Amazon, $39.99The Fisher-Price Little People Big Helpers Home is a toddler-friendly dollhouse that encourages imaginative play. Parents will love that the set encourages tots to be Big Helpers — from feeding the toy dog to making the play bed. The set includes a house, three figures, and accessories.Recommended ages: 1 to 5 yearsA farm puzzle with sound effectsAmazonMelissa and Doug Farm Animals Sound Puzzle, available at Buy Buy Baby and Amazon, from $9.99Melissa and Doug's Sound Puzzles were a hit with my kids at the toddler and preschool ages. These tough wooden puzzles make the noise of the farm animal when the piece correctly falls into place, adding another level of play to a classic toy. This option teaches farm animal sounds, but there are also sets for vehicles, zoo animals, and musical instruments.Recommended ages: 2 years and upAn action figure and ATV for little handsAmazonPaw Patrol Ryder's Rescue ATV, Vehicle and Figure, available on Amazon, $19.99Paw Patrol is popular among many young kids, but this four-wheeler and action figure is also a great first action figure. Parents say that the action figure and four-wheeler are easy for young hands to manipulate, and the posable figure works both on and off the ATV. Recommended ages: 3 to 5 years oldA tough but classic dump truckTargetTonka Steel Classics Mighty Dump Truck, available at Target, $27.99A durable classic, this partial-steel dump truck works well for indoor play or driving around a sandbox. Kids can haul toys around and dump them out again with the working bucket. Parents will appreciate the durable design.Recommended ages: 3 years and upA sensory play set with a rainbow of colorsAmazonKinetic Sand, Sandisfactory Set, available at Amazon, $25.98Kinetic sand is squishable, moldable sand that sticks together — making it both more fun and less messy than traditional sandbox sand. A toy that promotes both sensory play and creativity, this kit comes with 10 tools for molding and shaping the sand. Recommended ages: 3 years and upAn inclusive doll inspired by real kidsAmazonLottie Doll Mia Wildlife Photographer, available at Amazon, $27.95Lottie Dolls forgo the usual princess outfits for a diverse range of clothes, interests, and physical differences inspired by real kids. Mia is a wildlife photographer doll that comes with a camera and a cochlear implant. If Mia isn't quite the right fit, Lottie Dolls include a wide range, from paleontologist to activist.Recommended ages: 3 years and upA go-kart that grows with themAmazonRadio Flyer Ultimate Go-Kart, available at Amazon, $329Ride-on toys are a favorite in my house but tend to be quickly outgrown. The Radio Flyer Ultimate Go-Kart has an adjustable seat to accommodate ages 3 to 8 and is made from both steel and plastic for a longer lifespan. Parents will also appreciate the three different speed options and easy charging cable.Recommended ages: 3 to 8 years oldA fidget toy with all the fun of bubble wrapTargetChuckle & Roar Pop It! XL, available at Target, $19.99Pop Its are like reusable bubble wrap for kids to pop over and over. Besides having the irresistible draw of popping bubble wrap, fidget toys can also help build fine motor skills. Parents love this XL size Pop It because it's large enough for two kids to play together but still small enough to play with in the car.Recommended ages: 3 years and upA Play-Doh set with all the must-have toolsAmazonPlay-Doh Starter Set, available at Target, Walmart, Joann and Macy's, from $7.99Play-Doh is a classic toy that often keeps my kids occupied for hours. This starter kit comes with kid-safe scissors, a knife, a rotary cutter, a scooper, a roller, and some stencils. Of course, it also includes four cans of Play-Doh and a case to put it all in.Recommended ages: 3 years and upA play set for imaginary chefsAmazonHape Fun Fan Fryer, available at Amazon, Barnes & Noble, and Saks Fifth Avenue, from $19.05Play kitchens and food are great for imaginative play. This tabletop stove by Hape has a built-in fan, so the included disks actually move around as they "cook" in the pan. Parents love that it's small enough to keep in a cupboard so kids can "cook" in the kitchen right next to them.Recommended ages: 3 years and upAn open-ended building toyAmazonMagna-Tiles, 32 pieces, available at Amazon, Fat Brain Toys, and Bloomingdale's, from $49.99Magna-Tiles are building toys that fuse together creativity, geometry, and problem solving but just feel like a fun toy. My kids have continued to have fun with Magna-Tiles after the initial build, creating houses for stuffed animals and action figures. These versatile toys are suited for a wide range of ages and interests, making them easily giftable.Recommended ages: 3 years and upA slime alternative with less messCrayolaCrayola Globbles, available at Amazon and Staples, from $8.99Crayola Globbles offer the fun of slime without the mess. These squishy, moldable balls will stack together, stick on surfaces, and more. Unlike slime, there's no worry about colors mixing together and they peel right off.Recommended ages: 4 years and upA remote control truck for stunt loversAmazonMonster Jam Grave Digger Freestyle Force RC Car, available at Amazon and Target, $59.99Remote control cars are often a kid favorite, but this monster truck is packed with extra tricks. An RC vehicle that will do forward and backward wheelies, spins, and flips, fans of Monster Jam will also appreciate that it's modeled to look like the real Grave Digger.Recommended ages: 4 years and upA Baby Yoda character that talks and movesAmazonStar Wars The Child Animatronic Edition, available at Amazon, $36.49The Child — often referred to as Baby Yoda — is a beloved figure from "The Mandalorian." This toy mixes that character with animatronics that will probably remind '90s kids of Furbies. The Child Animatronic Edition, the 2021 Toy of the Year award winner, has 25 different sounds and motions inspired by the Disney+ series.Recommended ages: 4 years and upA scoop for epic snowball fightsBuy Buy BabyHey! Play! Snowball Maker Tool, available at Amazon, $9.95This snowball maker has taken my kids' snowball fights up a level. It quickly scoops snow to make nice-sized snowballs for playing. Retailing for about $10 with two included, it's an affordable gift for kids who live in snowy climates.Recommended ages: 4 years and upA basketball legend in action figure formAmazonMoose Toys Space Jam: A New Legacy Lebron James Ultimate Tune Squad 12" Action Figure, available at Amazon, $19.99This large action figure makes a great gift for both basketball fans and kids who love Warner's "Space Jam: A New Legacy" movie. The 12-inch tall Lebron James action figure includes four accessories to play out scenes from the movie or to just pretend to play basketball. The figure's limbs are articulated for a wider range of play options.Recommended ages: 4 years and upA giant dinosaur with posable limbs ... and jawsTargetJurassic World Camp Cretaceous Super Colossal Indominus Rex, available at Amazon and Target, $64.99Based on the Netflix series "Camp Cretaceous," this dinosaur stands 18 inches tall and is more than three feet long. Parents say that kids love the larger size as well as the posable limbs that make it more of a  toy than a stiff collectible. "Camp Cretaceous" was one of Netflix's most-watched shows at launch, but this toy will also appeal to other dino fans.Recommended ages: 4 years and upA folding scooterWalmartRazor A Kick Scooter, available at Amazon, Target and Walmart, from $29.99I've gifted several Razor A Kick Scooters before — and always accompanied with a great reaction. These scooters are durable outdoor toys that feel like a big gift yet retail for under $30. Because these scooters also fold up, they are easier to store and take on the go than a bike.Recommended ages: 5 years and upA play set for camping adventuresAmazonPlaymobil Volkswagen T1 Camping Bus, available at Barnes & Noble, $49.99With a bus, mini action figures, and camping accessories, the Playmobil Volkswagen Camping Bus will appeal to kids with a variety of interests. The top lifts off, so after pushing the bus around, kids can take the play figures on imaginary adventures. The bus works as a stand-alone toy or with other Playmobil sets.Recommended ages: 5 years and upA bottle of catchable virtual fairiesTargetGot2Glow Fairy Finder by WowWee, available at Target, $29.49The Got2Glow Fairy Finder mixes the fun of geocaching games like Pokemon Go with the fun of virtual pets. With this toy, kids find and catch virtual fairies that light up the jar when captured. Unlike most screen-based games, this one simultaneously encourages physical activity and exploration.Recommended ages: 5 years and upA kid-friendly book on difficult topicsA Kids Company AboutA Kids Book About, available at A Kids Company About, $19.95A Kids Book About is a line of books that tackles tough topics in a kid-friendly way. The series covers topics from racism and inclusivity to recognizing emotions like grief and understanding a diagnosis like cancer. Reviewers say that kids love the storylines while parents and caregivers love that they invite conversation on difficult subjects.Recommended ages: 5 years and upA card-filled game for new Pokemon fansTargetPokemon Trading Card Game Battle Academy, available at Target and Walmart, from $19.99I'm the mom of two Pokemon fans, but none of our Pokemon toys get played with as much as the classic trading cards. A 2021 Toy of the Year Award recipient, Pokemon Battle Academy is a game that teaches kids how to play with those classic trading cards. Because it includes three full decks of cards with 60 cards in each, it's also a better value than purchasing individual packs of cards.Recommended ages: 6 years and upA building kit with endless play for Marvel fansAmazonLego Marvel Avengers Iron Man Hall of Armor, available at Amazon, $61.82Lego makes great gifts, especially when choosing a set based on the child's top interests. This set, ideal for Marvel fans, allows kids to build Iron Man's Hall of Armor. Once built, kids can play with the rotating platform that switches up the Iron Man mini-figure's suit.Recommended ages: 7 years and upA stuffed animal craft kitAmazonCraftlab Woodland Friends Sewing Kit, available at Amazon, $24.97This craft kit allows kids to create their own stuffed animal friends. The sewing kit includes all the materials and instructions for kids to create five woodland animals. Parents will appreciate that it comes in a reusable tote for putting the mess away.Recommended ages: 7 years old and upAn arena for friendly Beyblade battlesAmazonBeyblade Burst Surge Speedstorm Volt Knockout Battle Set, available at Amazon, $38.99Beyblade is a two-player game where kids "battle" with spinning tops in an arena designed to increase their speed. When the Beyblade Hypersphere tops meet, one will burst apart — giving the other player two points. It's a well-ranked game that can also interest kids who don't watch the TV series.Recommended ages: 8 years and upA classic toy for rock collectorsTargetNational Geographic Rock Tumbler, available at Amazon and Target, $69.99For the kid who's always finding cool rocks outside, the National Geographic Tumbler encourages further STEAM exploration. The tumbler includes everything that's needed to polish gemstones with a high-quality, kid-friendly tumbler. Gifters should know, however, that tumbling takes a few weeks and is noisy, so it's best gifted to kids with a garage or basement to keep the noise away.Recommended ages: 8 years and upA microscope that can go anywhereAmazonCarson Micro Brite Plus 60x-120x LED Lighted Zoom Pocket Microscope, available at Amazon, Walmart and Office Depot, from $13.99Traditional toy microscopes are limited to objects that fit on a slide, but pocket microscopes can easily magnify both large and small objects. This Carson Micro Brite Plus is a portable microscope that kids can use outdoors or indoors to magnify anything that allows the microscope to sit flat on the surface. It's an affordable gift for kids who love science or the outdoors.Recommended ages: 3 years and upA unicorn pool float they'll use all summerAmazonJoyin Inflatable Unicorn Pool Float, available at Amazon and Walmart, from $16.99Pool floats are so popular that even adults post Instagrams with them all the time. This glittery unicorn float has handles on the neck to make it easier for a child to climb on and is made of durable materials to last many a summer. Recommended ages: 5 years and upA colorful tablet for them to draw to their hearts' contentAmazonOrsen LCD Writing Tablet, available at Amazon, $11.03This LCD writing tablet is perfect for doodling — without the mess or paper waste. The drawings and writings appear in a pretty gradient rainbow, and the tablet is especially great for travel when kids want something to do but can't easily use crayons or markers. Recommended ages: 3 years and upA fun, educational board game that teaches them real chessUncommon GoodsStorytime Chess for kids, available at Uncommon Goods, $25Chess is a timeless game but can be a bit overwhelming for young kids to pick up. This clever board game gives the pieces their own character names and backstories, offering an engaging and simple way for children to gradually learn the rules. There are also expansion packs to keep the game going, making it a genuinely engrossing toy for kids and their parents alike.Recommended ages: 3 years and upGlow-in-the-dark bath cubes to make bath time their favoriteUncommon GoodsGlowing Bath Time Cubes, available at Uncommon Goods, $20These cubes (which last a few weeks, or 72 hours total) automatically start glowing when they come in contact with water — and turn off the moment they're out. Beyond just looking super cool, they can entertain kids for hours as they place the cubes in and out of the water, trying to figure out their magic.Recommended ages: 3 years and upRead the original article on Business Insider.....»»

Category: personnelSource: nytJun 23rd, 2022

Meta (META) Set to Open Digital Store to Sell Virtual Clothes

Meta Platforms (META) expects to launch a digital clothing store where users can purchase designer outfits for their avatars in the Metaverse. Meta Platforms META is anticipated to launch a digital clothing store where users can purchase designer outfits for their avatars in the Metaverse, according to Reuters.Brands like Balenciaga, Prada and Thom Browne will be initially available for purchase. A Meta spokesperson reported that the products would be priced between $2.99 and $8.99, which is way less than the real outfits by the designers.Mark Zuckerberg wants to build the store as an open marketplace where developers can create and sell a wide variety of digital clothes.The digital outfits will initially be available on Facebook, Instagram and Messenger. However, with the help of avatars, Meta wants to link user identity across Facebook, Instagram and other services. This would help in building the Metaverse as an interconnected digital world where users can gather.Currently, in Meta Quest, users can set up their avatars to play video games, take exercise classes and participate in conference calls. The company intends to take it a step further by making VR a more social experience with Meta Horizon Home.Earlier the Meta Horizon Home was just a gateway to the Metaverse. Meta, however, has recently updated the Horizon Home, which enables users to customize their virtual home, invite friends to socialize and coordinate the next gaming sessions.Meta previously began testing tools to showcase and sell digital assets on Instagram. The new feature will be available initially to a handful of creators who are selling digital collectibles like art, images, videos, music or even trading cards as non-fungible tokens (NFT).Meta’s recent initiatives show that the company is leaving no stone unturned to build the Metaverse as a self-reliant economy independent of the real world.Meta Platforms, Inc. Price and Consensus Meta Platforms, Inc. price-consensus-chart | Meta Platforms, Inc. QuoteMeta’s Ad Revenue Issues: Will Metaverse Initiatives Help?The US economy is expected to slip into recession due to the ongoing macroeconomic situation and geopolitical scenario.The ongoing Russia-Ukraine war has hurt advertisers’ budgets. Rising inflation has also compelled global customers to pull back on their purchases.Consequently, the slowing economy will trigger cuts in ad spending, which will impact revenues of ad-driven internet stocks like Meta and Alphabet GOOGL. This, in turn, will impact their stock prices.Meta currently carries Zacks Rank #3 (Hold). Shares of the company have tumbled 51.6% in the year-to-date period compared with the Zacks Internet – Software industry and Zacks Computer and Technology sector’s decline of 53.1% and 32.3%, respectively. You can see the complete list of today’s Zacks #1 Rank (Strong Buy) stocks here.Alphabet shares have lost 26% in the year-to-date period compared with the Zacks Internet – Services industry’s decline of 28.9%.Apple’s AAPL iOS changes have made ad targeting difficult, which in turn has increased the cost of driving outcomes. Measuring these outcomes has become difficult. Meta expects these factors to hurt advertising revenue growth throughout 2022.Meta is facing increasing competition from other social media giants like Snap SNAP in the alternate reality space.Snap recently launched a product similar to Meta’s. Snap has collaborated with Vogue to feature a virtual try-on experience of select pieces from Balenciaga, Dior, Gucci, which will be available to Snapchatters globally.Nevertheless, Meta is expected to spend more than $10 billion over the next 10 years to build the Metaverse.According to Bloomberg, the Metaverse market globally is expected to reach $800 billion by 2024. As the primary first mover in creating the Metaverse, Meta is expected to seize market share rapidly in the alternate reality space. This is expected to aid Meta’s revenues in the long term and impact shareholders’ wealth positively.Want the latest recommendations from Zacks Investment Research? Today, you can download 7 Best Stocks for the Next 30 Days. Click to get this free report Apple Inc. (AAPL): Free Stock Analysis Report Alphabet Inc. (GOOGL): Free Stock Analysis Report Snap Inc. (SNAP): Free Stock Analysis Report Meta Platforms, Inc. (META): Free Stock Analysis Report To read this article on Zacks.com click here. Zacks Investment Research.....»»

Category: topSource: zacksJun 20th, 2022

The Bill Gurley Chronicles: Part 2

The Bill Gurley Chronicles: Part 2 By Alex of the Macro Ops Substack What if there was a way to distill all the knowledge that someone’s written over the last 25 years into one, easy-to-read document? And what if that person was a famous venture capital investor known for betting big on companies like Uber, Snapchat, Twitter, Discord, Dropbox, Instagram, and Zillow (to name a few)?  Well, that’s what I’ve done with Bill Gurley’s blog Above The Crowd.  Gurley is a legendary venture capital investor and partner at Benchmark Capital. His blog oozes valuable insights on VC investing, valuations, growth, and marketplace businesses.  This document is past two to the one-stop-shop summary of every blog post Gurley’s ever written, part 1 can be found here. February 2, 2004: The Rise Of Open-Standard Radio: Why 802.11 Is Under-Hyped (Link) Summary: WiFi will dominate wireless communications for the same reason Ethernet dominated networking and x86 dominated computing: high switching costs. This wide-scale adoption causes capital to flow into the standard as companies look to differentiate on top of the existing platform. In doing so, it further entrenches the “open-standard” incumbent.  Favorite Quote: “Open standards obtain a high “stickiness” factor with customers as a result of compatibility. Once customers invest in a standard, they are likely to purchase more and more supporting infrastructure. As their supporting infrastructure grows, their switching costs rise dramatically with respect to competitive alternate architectures. Customers are no longer tied simply to the core technology, but also to the numerous peripherals and applications on which they are now dependent. All of these things make challenging an accepted open standard a very difficult exercise.” March 24, 2004: All Things IP: The Future Of Communications In America (Link) Summary: South Korea and Japan are leading the world in broadband speed and connectivity. South Korea, for example, sports 80% broadband adoption. The US on the other hand, less than 50%. Different players battle for the future of US communication. Free services like Skype offer high-quality VoIP calls. But it’s the cable companies, with their mega-cable infrastructure, that lead the way. At the end of the day follow the money. Comcast went after Disney not because of distribution, but because of content. Favorite Quote: “Now, while voice should be free, that doesn’t mean that it will be free. The two conditions outlined above are nontrivial. First and foremost, it is not at all clear that we have enough competition in the U.S. broadband market. Innovations in the wireless market, particularly recent innovations around mesh architectures, have the opportunity to change this. As of right now, however, many users simply lack choice. Additionally, the many state municipalities around the country are eager to place their hands on VoIP. A poorly executed policy could in fact “increase” the long term pricing on voice services for all users (for example, would you really tax a free service?).” May 6, 2004: Entrepreneurialism And Protectionism Don’t Mix (Link)  Summary: Protectionism and entrepreneurialism don’t work together. One prides itself on open dissemination of ideas, talent and problems (entrepreneurialism). The other (protectionism) desires to keep what’s theirs and turn a blind eye to competition. There are seven reasons why these two ideologies don’t mix: it hurts the economy (comparative advantage), start-ups don’t receive government subsidies (that encourage protectionism), disincentivizes diversity, more start-ups start with a global presence, the hot markets are ex-US, it goes against our global open standards (WiFi, etc.) and its inconsistent with the entrepreneurial mindset.  Favorite Quote: “It is hard to imagine a successful entrepreneur arguing that he or she deserves a job over someone else that is equally skilled and willing to work for a lower wage. The entire spirit of entrepreneurialism is based on finding ways to do something better, faster, and cheaper. It is the whole nature of the game. If someone can do something better somewhere else, it simply means it’s time to innovate again – with intellect and technology, not politics.” October 19, 2004: The Revolutionary Business Of Multiplayer Gaming (Link)  Summary: Multiplayer gaming is an incredible business featuring five “Buffett-Like” business characteristics: recurring revenue (subscription pricing), competitive moats (switching costs), network effects/increasing returns, real competition with others and high brand engagement. Those that fail to realize the importance (and power) of the video game business model (40%+ operating margins) will miss a huge investment opportunity.  Favorite Quote: “Some skeptics argue that MMOG is still a “niche” business and that the same half-million users are migrating from Everquest to Ultima Online to City of Heroes. Under this theory, MMOGs will never be mass market and will never really “matter” in the $20 billion interactive entertainment business. However, with billion dollar businesses now dotting the NASDAQ, it becomes harder and harder to invoke such skepticism. And if new paradigms, architectures, and broadband speeds allow for titles that meet the needs of a wider demographic, ignoring MMOGs may be equivalent to ignoring the successor to television.” March 11, 2005: Believe It Or Not: Your State Leaders May Be Acting To Slow The Proliferation Of Broadband (Link) Summary: In 2005, rumors circulated that laws would pass eliminating a city’s right to offer telecommunications services to its citizens. Gurley suggested states should say “no way” to this offering, and opined six reasons why (straight from the post):  The primary reason for the proposition is to reduce or eliminate competition for incumbent telcos An oligopoly doesn’t make a marketplace Taking rights from municipalities will have negative overall impact on American innovation  Even if a city has no intention of deploying wireless services, it is still in that city’s best interest to retain the right to do so In 2005, isn’t it reasonable for a city to choose to offer broadband as a community service?  A founding American principle — localized government whenever possible Favorite Quote: “In what is ostensibly the cornerstone “democracy” on the planet, one would think that the citizens in each of America’s cities could simply “vote” on the services they believe make sense for their city to provide.  Running a wireless network in a city like Topeka, Kansas simply has no overriding impact on the state as a whole.  As Thomas Jefferson aptly wrote in a letter to William Jarvis in 1820, “I know of no safe depository of the ultimate powers of society but the people themselves; and if we think them not enlightened enough to exercise their control with a wholesome discretion, the remedy is not to take it from them, but to inform them.”” March 21, 2005: The State Of Texas Refuses To Block Municipal Broadband (Link) Summary: Gurley’s post before this one did its job and Texas removed the harsh language around cities offering broadband access to its citizens. According to Gurley, the battle moved to Colorado.  Favorite Quote: “This proposed bill, in its original form, would prohibit a city from helping any new carrier whatsoever get started.  It’s a pure and blatant anti-competitive move.  It’s been modified slightly, but it is still one of the harshest proposals of any state, and once again created only to help the incumbent carriers by removing competition.  Consumers do not benefit from this language.” March 24, 2005: Texas Two Step – Backwards (Link) Summary: After celebrating the removal of restrictive broadband language three days prior, Texas reinserted the notion. What’s crazy is that the member who reinserted the language, Robert Puente, serves in a district where a large telco company has its headquarters. Hmm …  Favorite Quote: “It is shocking that these local reps really don’t care if broadband deployment in America continues to fall further and further behind the rest of the world.  Just shocking.” June 2, 2005: Texas Sets Key Precedent For Other States In Refusing To Ban Municipal Wireless (Link) Summary: It’s interesting that fixed broadband incumbents in Texas are so opposed to wireless broadband. The incumbents claim wireless is a weaker form of their product. But if it’s so weak, why do they want it banned from their state? Why won’t they let natural competition run its course? If it is indeed weak, there shouldn’t be a reason to impose sanctions and restrictions.  Favorite Quote: “The reason the pro-broadband movement was successful is because they organized, they gathered the real data on the success of municipal wireless deployments, and they were able to inform the citizens about this effort by the incumbents and their key legislators to use regulation to restrict competition.  They leveraged the Internet, blogs, and mailing lists, and made a huge difference.  The tech community also played a role with the AEA, the Broadband Coalition, and TechNet all speaking out against this effort to intentional slow technical progress.  These lessons and resources are now focusing on other states to ensure the Texas outcome.” July 12, 2005: DVD Glut (Link) Summary: Gurley saw the rise of TiVo and its effect on the DVD industry. Why would people pay for DVDs when they can record their favorite movies on TV and watch them whenever they want? There is no practical use for DVDs outside nostalgia and collection.  Favorite Quote: “Could it be that people are watching Shrek 2 on Tivo and saving that on Tivo for future viewing?  Could it be that other activities, such as Internet usage, is infringing on DVD time?” July 19, 2005: Do VCs Help In Building A Technology Platform? (Link) Summary: There are two important implications for venture capital’s lack of investment in Microsoft’s .NET platform. First, VCs are investing on the Open Platform. This is likely due to (what Gurley calls) “a more benign” platform. Such a platform allows for more creativity and application. Second, VCs aren’t investing in .NET applications because Microsoft’s simply going up the software vertical (owning each spot). There is a lack of opportunity within the existing .NET framework.  Favorite Quote: “Venture Capitalists look to the public markets for clues on where to go next.  There is no point in investing in technologies that don’t lead to liquidity events.  What the article stresses is that the majority of VC money these days is being spent on top of the Open Source platform rather than the Microsoft’s .Net platform.” July 22, 2005: Wifi Nation… (Link) Summary: This article gives us an excuse to talk about Innovator’s Dilemma. Clayton Christensen coined the term in his book with the same title. Wikipedia defines the term as, “the new entrant is deep into the S-curve and providing significant value to the new product. By the time the new product becomes interesting to the incumbent’s customers it is too late for the incumbent to react to the new product.” In short, WiFi is disrupting the incumbent broadband and their end consumers. Also, WiFi isn’t built for the incumbents. It’s built for the next generation.  Favorite Quote: “What you will see, and what many continue to deny, is that Metro-scale Wifi isn’t a theory, its a reality.  The networks are live.  They perform way better than EVDO or any cellular alternative. They are cheaper to deploy.  AND, there is huge momentum around more and more networks.” Years: 2006 – 2008 April 5, 2006: Why SOX Will Lead To The Demise Of U.S. Markets (Link) Summary: Sarbanes-Oxley (SOX) killed the small and micro-cap public market spirit. Like most regulations, the creators of SOX thought their stipulations would preserve the growth of public markets. Instead it stunted growth. SOX is an expensive requirement for smaller public companies. The costs disincentivize companies from going public. In return, US capital markets offer less opportunities than global companions. Will this lead to more money flowing overseas? Favorite Quote: “Ironically, the two gentlemen that created SOX did it with the intention of “preserving” U.S. capital market leadership. Their fear was that people viewed our markets as too risky, and so they created SOX to ensure that investors would “trust” our markets.” April, 2006: As Wifi Grows, So Do The PR Attacks (Link) Summary: There will always be haters when new technology replaces old, resentful incumbents. Can you blame them? WiFi completely destroyed their business model. Of course they’re going to run sham campaigns. But that’s the beauty of the Innovator’s Dilemma. WiFi doesn’t care about fixed broadband and incumbents. It’s serving its new wave of customers who want something incumbents can’t offer. Look for this in other up-and-coming technologies.  Favorite Quote: “Better performance than EVDO at a much lower cost.  You won’t stop this with an AP article.  Are their issues?  Sure, but I drop 5 cell calls a day in Silicon Valley and that technology (cellular voice) is over 25 years old.”  April 27, 2006: MMOs (MMORPGs) Continue To Rock (Link) Summary: Gurley again emphasizes the importance of MMO video games — particularly out of Asia. In fact, he mentions that Nexon (Japanese gaming company) plans to file on the JSE. Gurley believes the JSE filing is directly correlated with Sarbanes Oxley (from the article above). Regardless, the real winners in the video game industry are coming from Asia. Winning games will be based on community and entertainment, rather than pure competition. It’s no wonder Fortnite is so popular today. Gurley gave us clues almost 20 years ago.  Favorite Quote: “Many of the rising stars of multi-player interactive entertainment are more social than interactive. They also target much broader demographics than gaming ever dreamed of hitting. Consider three sites targeted at younger children and teens that are all doing extremely well — NeoPets, HabboHotel, and GaiaOnline (Benchmark is an investor in HabboHotel).” June 19, 2008: Back To Blogging (Maybe)… (Link) Summary: Gurley returned from his writing break to mention a few of his favorite reading sources. Gurley notes that he reads each of these websites every morning:  TechCrunch GigaOm Marc Andressen’s Blog Favorite Quote: “The bottom line is I have been really busy. Busy with our investments here at Benchmark, and busy with three growing kids at home.  But in the end, I am quite fond of writing, and I have been inspired by some of the great writing of others.” June 30, 2008: Bleak VC Quarter? Why? (Link) Summary: June 2008 marked another dreary quarter for venture capital. Not one single VC-backed company went public. At first glance, this seems bad for venture capital. But looking deeper, it’s not venture capital that’s the issue. It’s the public market. Between regulations and SOX costs, small companies are opting to remain private at record numbers. As Gurley notes, fund managers want high growth and capital appreciation. But these small growth companies don’t want the issues of being a public company.  Favorite Quote: “This passionate desire to be public is completely gone in Silicon Valley. For reasons you could easily list – Sarbanes Oxley; 12b1 trading rules; shareholder litigation; option pricing scandals; personal liability on 10-Q filing signatures – it is simply not much fun being a public executive.” July 22, 2008: BAILOUT What? (Link) Summary: Fascinating how relevant this quote is for 2020. What we’ve seen from the US government during the COVID pandemic is a double-downed effort on its bailout precautions. Even going so far as to buy bond ETFs on the open market! Capitalism requires failure. It requires weak businesses to fall by the wayside in exchange for stronger competitors.  Favorite Quote: “Is our government really going to bail out equity investors in a failed business enterprise? I totally get keeping America afloat, but it is critical that failed businesses FAIL. They must FAIL. You can’t provide band-aids to equity failure. The whole system will come to a halt. Risk that pans out must result in failure. it is a crucial part of the system.” December 1, 2008: Benchmark Capital: Open For Business (Link) Summary: Gurley and the Benchmark team continued investing while the rest of their VC peers cowered in fear during the bowels of the Great Recession. Investing when others are fearful is not only a sign of a great VC firm, but any great company.  Favorite Quote: “I can’t speak for other firms, but make no mistake about…Benchmark Capital is wide open for business and we are eager to invest new capital behind great entrepreneurs.  Right now.  In this environment.  Today. You may wonder why I feel the need to make this pronouncement, and you may even consider this a stunt.  It is not.   We have made fourteen new investments this year, and are actively considering new investments each and every day.” December 5, 2008: Do VCs Help In Building A Technology Platform; Part 2 (Link) Summary: Microsoft offers three years of free software/service to startups. This is a clear signal that Microsoft understands the power of platforms and where companies choose to build their products. Otherwise, as Gurley notes, why offer it for free? This comes on the heels of three new cloud platform technologies entering the space: Facebook, Salesforce and Amazon AWS. VCs may not choose which platform wins, but they choose which platform gets capital. And to some, that’s the same thing.  Favorite Quote: “It obviously would be overstating it to suggest that VCs help “choose” the platform that wins. That said, it is a powerfully positive indicator if VCs show confidence in a new platform by shifting where they deploy their capital.” Years: 2009 – 2011 February 1, 2009: Google Stock Option Repricing: Get Over It (Link) Summary: Retail investors, bloggers, and financial pundits argued that Google’s Stock Options Repricing hurt the “common” shareholder. Gurley thinks stock options shouldn’t matter because common shareholders gave up their rights (more or less) when investing in Google shares. The fact is, Google’s founder and original shareholder shares carry 9/10ths voting power. That means minority (aka second-class citizen) shareholders get 1/10th. In other words, deal with it.  Favorite Quote: “So my reaction to anyone who owns Google stock and is sore over this decision — Get Over It.  You bought a stock where you gave up the ability to vote on such things, and if you don’t like it, sell the stock.  But you have no right to complain, as the rules were laid out from the beginning.” February 11, 2009: Picture Proof Of The Innovator’s Dilemma: SlideRocket (Link) Summary: With a team of 3 engineers and a fraction of Microsoft’s budget, SlideRocket created (arguably) a better version of PowerPoint. According to Gurley, SlideRocket is a perfect example of the Innovator’s Dilemma. PowerPoint took (probably) billions of dollars in R&D and thousands of engineers to create. SlideRocket did it with 4 orders of magnitude less resources.  Favorite Quote: “One subtlety of this is that it allows others to catch up and basically recreate the same thing for a fraction of the cost.   In SlideRocket’s case, it appears that a team of 3 engineers with primary work done by the founder, have recreated PowerPoint (leveraging Flex of course).”  February 18, 2009: Just Say No To A VC Bailout: A Green Government Venture Fund Is A Flawed Idea (Link) Summary: Some VC investors wanted a bailout from the government during the GFC. Gurley originally thought this was a far-cry from a lone complainer. Then he read an article by Thomas Friedman suggesting the same thing: a bailout for VC targeted at green-tech companies. According to Gurley, VC bailouts are flawed for six reasons: There are no lack of capital in VC VCs don’t deserve a bailout Those that need bailout are (likely) bad ideas Excess capital hurts markets Good companies don’t lack for capital Use customer subsidies instead of government-backed VC investment Favorite Quote: “Great ideas have never suffered from a lack of capital availability.  Bringing extra government dollars to the investment side will only ensure that marginal and sub-par companies get more funding dollars, which historically has had a perverse and negative effect on the overall market.” February 22, 2009: Just Say No To A VC Bailout – Part 2 (Link) Summary: Continuing the rant from the previous blog post, Gurley hits on three main criticisms with Friedman’s cry for a VC bailout. First, Friedman suggested that the US Treasury give the Top 20 VC firms up to $1B to “invest in the best VC ideas”. When you consider the 2% annual fee each year that VC’s take, you’re effectively giving these firms an additional $4B in partners’ fees. Finally, Gurley hammers home the idea that to win in green-tech you need to incentivize the customer on the demand side. Create a positive ROI proposition for the customer to use the product or service.  Favorite Quote: “The key is to create an ROI positive investment for the end customer through subsidies.  Ethanol isn’t falling to succeed because of a lack of capital — it’s a problem with customer ROI.  Invest through subsidies in making the market huge and ROI positive.  Capital alone will not solve the problem as the ethanol case proves.” February 27, 2009: Perfect Online Video Advertising Model: Choose Your Advertiser (Link) Summary: Gurley reveals his “perfect online video advertising model” in which consumers can choose their advertiser. It works like this. Before an online premium or VOD show starts, the content creators present the consumer with a list of 4-9 sponsors for the programming. Then, the consumer picks which sponsor they’d like to see when the inevitable ad runs during their program. The benefit to this is that content creators would know their customers’ interests to the tee, which would allow them to raise prices on advertising channels (read: higher revenue).  Favorite Quote: “Just because I am a male between 18-24 and watching “Lost” doesn’t mean I want an XBOX.  You are more likely to guess that i might want it, but you would be 10X better off if I chose XBOX as my sponsor at the start of the show.  Then you would KNOW I have an interest — no more guessing. Making predictions is always a dangerous game, but I am fairly certain that this will be the video ad model of the future.  It makes way too much sense not to work.” March 2, 2009: Looking For Work: Are You An Insurance Agent? (Link) Summary: One of Gurley’s investments had an unusual circumstance during the GFC: they had excess demand for work. LiveOps, a virtual SaaS call center on the cloud, leverages a network of work-from-home call center operators. At the time of writing, LiveOps had 20,000+ live call-center agents working from home assisting companies like Aegon, Colonial Penn, and American Idol.  Favorite Quote: “Their core technology is a SAAS “contact center in cloud.” Just like anyone’s call center, it is a four-9’s operation that is highly resilient. What’s different, and very unique, is that the agents on the other end don’t actually work for LiveOps – they work for themselves. So far, over 20,000 “crowd-sourced” agents are now working from home on behalf of LiveOps customers – companies like Aegon, Colonial Penn, etc. One really cool customer example is American Idol. For Idol Gives Back, AI’s charity campaign, over 4000 LiveOps agents handled over 200,000 calls in less than five hours. Only a crowd-sourced play could handle such a ramp.” March 9, 2009: How To Monetize A Social Network: MySpace And Facebook Should Follow TenCent (Link) Summary: Social networks had trouble monetizing their websites. MySpace and Facebook failed to generate revenue like Yahoo, which did $7B at the time of writing. The problem wasn’t growing the userbase (both sites had tremendous user growth). It was the dependence on advertising to generate the lion’s share of their revenues. Gurley compares MySpace and Facebook to Tencent (700.HK). The two primary drivers of revenue for Tencent are digital items and casual game packages and upgrades. These are significantly higher-margin businesses than advertising. At the end of the day, social networks are social status symbols. This means if you want to leverage your business, you need to provide users with ways to improve their social status. Favorite Quote: “If you removed the Chanel logo from them, and offered them for $50 cheaper, you could not sell a pair.  Not one.  Why?  People are buying an image that they want to project about themselves.  Without the logo, they fail to make that statement.  The same is true for watches, clothes, cars, sodas, beers, cell phones, and many more items.  People care greatly about how they are perceived and are willing to part with big bucks to achieve it.  Digital items are merely the same phenomenon online.” March 26, 2009: Note To Timothy Geithner: Do Startups & Venture Capitalists Really Need More Regulation? (Link) Summary: The US government levied Sarbanes-Oxley on all public companies after the whole Enron, WorldCom saga. The purpose? Protect investors from future frauds. While the efficacy of “Sarbox” remains in question, one thing doesn’t: the cost on small public companies. Sarbox costs ~$2-$3M to implement. This makes it nearly impossible for small companies to go public because the Sarbox costs eat away all potential operating profits. Overburdening small companies could restrict the pipeline of new public IPOs.  Favorite Quote: “And remember that the largest companies in America that were created in the last 35 years (MSFT, GOOG, AAPL, CSCO, INTC) were all small venture-backed companies at one point in time.  Do we really want to inappropriately restrain or throttle the future pipeline of such companies in America?” May 2, 2009: Swine Flu: Overreaction More Costly Than The Virus Itself? (Link) Summary: It’s amazing how relevant this blog post became during the COVID-19 pandemic. Gurley suggests that in some cases, overreacting to news (like swine flu) can have far worse consequences than the natural course of the virus itself. For example, Mexico’s economy teetering on the brink of insolvency as tourism represents a third of their economy. The argument for overreacting is that it prepares people for the worst-case scenario. Yet that decision has consequences. Consequences we can’t see, and might not see for a long time.  Favorite Quote: “Some people rationalize that this hysteria serves a noble purpose, in that it prepares us for the worse.  This, however, ignores the fact that there are tremendous real economic costs to overreaction, and that sometimes overreaction has far-reaching negative impacts which can be many times greater than that of the original problem.” May 8, 2009: Second Life: Second Most Played PC Title, #1 In Minutes/User (Link) Summary: Gurley’s investment in Linden Lab paid off big time in May 2009 when Linden’s hit game Second Life ranked as the #2 most-played PC title. The game trailed World of Warcraft in number of users, but ranked first in number of minutes played per user. Data like this further reiterates Gurley’s earlier claims that selling goods online (digital signs of social status) can make for a great business. It also shows people love distracting themselves from their everyday lives.  Favorite Quote: “The truth of the matter is that the company is quite large, it’s growing, it’s profitable,  it has hired a number of great people over this time frame, and as the data shows it’s kicking butt. Note that the data also shows SecondLife actually leads WOW in terms of minutes played per user.”   May 10, 2009: Bill Gurley’s Online Video Market Snapshot (Link) Summary: Gurley did an on Hollywood talk about the massive changes in the Online Video Market. The link has an 18-minute video where Gurley outlines five things that matter in the coming online video market battle:  Great content is super expensive Affiliate fees are a “huge fucking deal”  The Netflix Business model is widely misunderstood HBO and the NFL are incredibly well-positioned companies Wireless will not save the day  Favorite Quote: I didn’t have a favorite quote from this post as it was mainly a link to the video and slide deck. I highly recommend watching the video and scanning through the deck. It’s 18 minutes long but you can watch at 1.5-2x speed without issue.  Tyler Durden Sun, 06/19/2022 - 17:30.....»»

Category: blogSource: zerohedgeJun 19th, 2022

Elon Musk says Tesla"s software needs work, particularly the web browser that"s "worse than some iPad from 5 years ago"

"We've got a lot of work to do actually with the basic software in the car. Our web browser sucks," Musk said during a recent interview. Tesla CEO Elon Musk said the company's in-car web browser "sucks."Yasin Ozturk/Getty Images Elon Musk said Tesla has a lot of work to do on its basic car software.  Tesla's web browser, in particular, is "trash," he said.  Tesla is regarded as a leader in car software.  Elon Musk isn't happy with Tesla's in-car software. The electric automaker is regarded as a leader in car software, selling vehicles with sprawling touchscreens that can run video games, play YouTube videos, and control everything from a car's air vents to its windshield wipers. Still, Musk says there's room for improvement, particularly when it comes to the company's "trash" web browser. "I think we've got a lot of work to do actually with the basic software in the car. Our web browser sucks," Musk said during an interview posted to the Tesla Owners Silicon Valley YouTube channel on Tuesday. "If you try to use the web browser in the car, it takes a long time to load and it's a trash browser. It's worse than some iPad from five years ago, by a lot."Musk noted that some owners have complained about Tesla's user interface, which got a controversial update late last year.In many ways, Tesla has been ahead of the curve when it comes to in-car software. It pioneered over-the-air updates, which allow it remotely upgrade vehicles, just like Apple does with its iPhones. It equipped the Model S sedan with a large touchscreen in 2009, before Apple's iPad popularized tablets. Now big screens that control most of a vehicle's main functions are becoming the norm. Another potential area of improvement: Musk said Tesla should give rear passengers their own audio system linked to the screen in the back seat, "so that people can listen to music in the front and not get blasted by the YouTube kid show audio in the front, which is currently the situation.""There's a bunch of stuff like that that we need to fix," he added. Still, Musk said Tesla's "overwhelming focus" is achieving fully autonomous driving, which he has promised for years and has yet to deliver. Read the original article on Business Insider.....»»

Category: topSource: businessinsiderJun 16th, 2022

CONSENSUS 2022 HIGHLIGHTS: PlayDapp Makes 3 Major Announcements at the World’s Largest Blockchain Conference

Wilmington, Delaware, 15th June, 2022, Chainwire At The recent Consensus 2022 Conference, The Blockchain Middleware Provider Announced The Launch Of A Metaverse Virtual World, A New Play-to-earn Baseball Game And An Update On PlayDapp – IPX Partnership After two years of running online, Consensus 2022, the world’s largest blockchain conference, finally took place in person […] Wilmington, Delaware, 15th June, 2022, Chainwire At The recent Consensus 2022 Conference, The Blockchain Middleware Provider Announced The Launch Of A Metaverse Virtual World, A New Play-to-earn Baseball Game And An Update On PlayDapp – IPX Partnership After two years of running online, Consensus 2022, the world’s largest blockchain conference, finally took place in person last weekend in Austin, Texas, where the focus was non-fungible tokens (NFTs). At this historic event, global blockchain middleware provider PlayDapp made three significant announcements that include: PlayDapp has partnered with Samsung to create Metaverse Virtual World, which will be the first-ever metaverse experience of a theme park Based on the largest theme park in South Korea – Everland Resort, the experience will allow users to explore the theme park and engage in several exciting activities such as participating in quests, taking virtual rides, partaking in water fights and many more. This collaboration represents a breakthrough in the development of blockchain technology and its potential applications. The teaser to the metaverse experience can be found here.  PlayDapp introduces its new play-to-earn (P2E) baseball game – Homerun Challenge The home-run Derby baseball game allows users to create and deploy non-fungible tokens (NFTs) while earning coins through gameplay. With PlayDapp’s play-to-earn (P2E) system, the more users play, the more money they can potentially make. A sneak peek into the game can be viewed here.  A key update on PlayDapp’s partnership with IPX (formerly known as Line Friends) With PlayDapp & IPX, users can select famous characters from Line Friends and customize their characters as per their liking. They can also own their creations as non-fungible tokens (NFTs) on the blockchain.  In addition, the characters created through this process will be interoperable in all PlayDapp games as well as its metaverse and ecosystem, thus representing a major advancement for character ownership and management on the blockchain. A short video to explain this new update can be seen here. “We are thrilled to announce some of our major developments that will be a game-changer for blockchain. As a leader in blockchain technology in Korea, we want to revolutionize how users experience the metaverse and blockchain as a whole,” says Sang Chung, Head of Business at PlayDapp. “It is exciting to partner with some of the biggest players in the tech world, and create not one but three unique experiences for metaverse users,” he adds. About PlayDapp PlayDapp is a global blockchain middleware provider that provides companies with the opportunity across many different industries to integrate blockchain technology into their business models and easily turn their assets into Non-Fungible Tokens (NFTs). PlayDapp’s blockchain-based C2C Marketplace allows gamers and users to freely buy, sell and trade their digital assets with each other.  For more information, visit PlayDapp.io.  Contacts Global Marketing Manager Peter Song PlayDapp peter@playdapp.io 010-9611-0423 Updated on Jun 15, 2022, 10:27 am (function() { var sc = document.createElement("script"); sc.type = "text/javascript"; sc.async = true;sc.src = "//mixi.media/data/js/95481.js"; sc.charset = "utf-8";var s = document.getElementsByTagName("script")[0]; s.parentNode.insertBefore(sc, s); }()); window._F20 = window._F20 || []; _F20.push({container: 'F20WidgetContainer', placement: '', count: 3}); _F20.push({finish: true});.....»»

Category: blogSource: valuewalkJun 15th, 2022

The new PlayStation Plus is Sony"s answer to Xbox Game Pass — here"s a breakdown of the tiered plans and what games are included with each

PlayStation Plus is an essential service for online play on Sony's consoles. Extra and Premium plans add even more features and hundreds of games. Prices are accurate at the time of publication.When you buy through our links, Insider may earn an affiliate commission. Learn more.BI Photo Isabel Fernandez Pujol PlayStation Plus is a subscription service that gives gamers access to online play and other benefits. On June 13, Sony launched new tiered PlayStation Plus plans: Essential, Extra, and Premium. PlayStation Plus Extra and Premium include hundreds of games and the option to stream on console or PC. PlayStation Plus Essential (12 Months)$59.99 FROM BEST BUYFor more than a decade, Sony's PlayStation Plus subscription service has provided PlayStation console owners with essential online services, like multiplayer, cloud save storage, and free downloadable games.On June 13, Sony expanded the service with new PlayStation Plus Extra and Premium plans that offer hundreds of classic PlayStation games for download, as well as a streaming library of games for players on Windows computers and PlayStation consoles.The old PlayStation Plus plan is now called PlayStation Plus Essential, and it keeps all of its previous features for the same $10/month price. To get access to the new catalog of games, subscribers will have to pay more to upgrade to a PlayStation Plus Extra or Premium plan.  The new PlayStation Plus plans are comparable to Microsoft's Xbox Game Pass, a service that has amassed more than 25 million subscribers and is often compared to Netflix for its large library and streaming option.What is PlayStation Plus?PlayStation Plus is a gaming subscription service that launched in 2010; it's required to play most multiplayer games online on PS5 and PS4 consoles and to keep your game save data backed up in the PlayStation cloud. PlayStation Plus is available in three tiers: Essential, Extra, and Premium. The latter two plans give members even more features, including the ability to play hundreds of PlayStation games as part of their subscription.PlayStation Plus members also get access to free games every month that they can keep for as long as they're a member. Sony gives discounts and special offers to PlayStation Plus members in the PlayStation digital store as well.How much is PlayStation Plus?Sony offers three PlayStation Plus plans. The Essential plan starts at $10/month, while Extra starts at $15/month, and Premium starts at $18/month. Below, you can find a full breakdown of each plan's pricing and features.PlayStation Plus plans and prices PlayStation Plus EssentialPlayStation Plus ExtraPlayStation Plus PremiumPrice$10/month, $25/three months, $60 /year$15/month, $40/three months, $100/year$18/month, $50/three months, $120/yearOnline multiplayerYesYesYesCloud savingYesYesYesFree monthly gamesYesYesYesPS5 and PS4 game library (up to 400 titles)NoYesYesPlayStation, PS2, PS3, PSP game library (up to 340 titles)NoNoYesStreaming games on PC and PlayStation consolesNoNoYesWhat features are included with PlayStation Plus Extra and Premium?The new PlayStation Plus Extra and Premium plans include several additional features you won't find on the standard PlayStation Plus Essential plan.PlayStation Plus Extra offers up to 400 downloadable games for PS4 and PS5 along with the core services of PlayStation Plus like online multiplayer, cloud saving, free games every month, and discounts on digital releases. PlayStation Plus Premium provides more than 300 classic games from the original PlayStation, PS2, and PlayStation Portable along with more than 400 games for PS4 and PS5. PlayStation Plus Premium members ware also be able to stream the library of games and additional PS3 games on PlayStation consoles and PC. What games are included with PlayStation Plus?Sony's website has a full list of games included with PlayStation Plus Extra and Premium plans. The list includes multiple PlayStation exclusives like Marvel's Spider-Man, God of War, Ghost of Tsushima, and Returnal. Third-party titles from non-Sony publishers are available too, like Mortal Kombat 11, Death Stranding, and Control.More games will be added to the PlayStation Plus catalog on a rolling basis.What do the new PlayStation Plus plans mean for PlayStation Now?The launch of Sony's new PlayStation Plus plans coincided with the termination of its PlayStation Now service. PlayStation Now was a separate game streaming subscription that was supported on PlayStation consoles and computers. As of June 13, PlayStation Now features are now offered as part of PlayStation Plus Premium instead.PlayStation Now subscribers are being transitioned to PlayStation Plus Premium.What happens if I signed up for PlayStation Plus or PlayStation Now before June 13?PlayStation Plus subscribers who signed up before June 13 will be automatically transitioned to the PlayStation Plus Essential plan. Those who subscribed to PlayStation Now, Sony's old video game streaming service, will be transitioned to PlayStation Plus Premium at no extra charge.PlayStation Now was priced at $10 a month, which is significantly cheaper than the $18 a month cost of PlayStation Plus Premium. It's not clear how long migrated PlayStation Now members will continue to pay the lower rate.Read the original article on Business Insider.....»»

Category: topSource: businessinsiderJun 14th, 2022