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I tried keeping a notebook to organize my thoughts and ideas just like Bill Gates, Richard Branson, and Sheryl Sandberg do. One of them uses a method that was easily the best.

Bill Gates, Richard Branson, and Cheryl Sandberg have different approaches to note-taking, but I found one worked best for me in organizing my ideas. JP Yim / Getty Images / Slaven Vlasic / Getty Images / Alex Wong / Getty Images / Ana Pelisson / Business Insider Bill Gates, Richard Branson, and Sheryl Sandberg have been known to carry notebooks around with them. They jot down ideas as they think of them and make daily to-do lists to tear out once completed. I tried their different note-taking styles and had varying degrees of success with each method. Every year, a lot of people make a New Year's resolution to get more organized. There are plenty of tips and tricks out there for this purpose, and I recently decided to put one to the test.Business figures like Microsoft cofounder Bill Gates, Virgin Group founder Richard Branson, and Meta COO Sheryl Sandberg swear by a surprisingly low-tech hack to keep their thoughts and ideas organized: They all carry around notebooks.Gates and Branson scribble down ideas as they come to them throughout the day, so they don't forget them. Sandberg notes down what she needs to do for the day and tears out pages once everything on them is complete. I tested out their different note-taking methods for a week and found one worked best by a long shot.During this experiment, I tried taking my notes on paper, as Gates, Branson, and Sandberg do, but I also tried jotting things down on my laptop on some days.I started with Gates' and Branson's approach.I usually only write down ideas with the most potential and mentally file away the others. This meant that, this week, I sometimes needed to consciously remind myself to write down every idea that came to mind, no matter how small.When I did, I found some smaller ideas were actually pretty promising once I gave them more thought and research, and I was thankful I'd written them down, or else I might have forgotten them.The downside to this method for me was that, given my personal tendencies, taking notes on paper sometimes created extra work. For example, I like to keep all of my article ideas in a spreadsheet on my laptop, so they're all in one place. This meant I was jotting down ideas on paper, only to have to type them into a file later.Next, I tried Sandberg's note-taking method — I thought this was the most constructive use of physical note-taking for two reasons.First, there's some satisfaction in ripping out a page once everything on it is finished. It gave me a sense of achievement for that day and some motivation for the next.Second, these were notes I only needed for one day. There was no need to transfer them to my laptop, as I had to do while following Gates' and Branson's method since those notes were for longer-term matters.At the end of the week, I found taking notes on my laptop was preferable to writing them on paper. This was partly because of my personal habits and preferences, since I prefer to consolidate my work essentials on my laptop when possible. I see how people who don't share this tendency might prefer physical note-taking, but it just wasn't as useful for me.My current work circumstances were also a factor. Since I'm working remotely, I'm near my laptop more often than I'd otherwise be, so it isn't difficult to just write notes there since it's on hand anyway. Under more normal circumstances, I'd be out more, so keeping a notepad might be more useful, since it'd be more likely an idea would strike while I'm away from my laptop.Going forward, I'll keep writing out tasks and to-do lists on paper since Sandberg's technique reigned supreme for me.For ideas, I'll stick with digital note-taking, but following Gates' and Branson's method reinforced to me the significance of writing down ideas as soon as they spring up, even if they seem inconsequential.Read the original article on Business Insider.....»»

Category: dealsSource: nytJan 15th, 2022

How Does Your Personality Type Affect Your Income?

How Does Your Personality Type Affect Your Income? You’ve just finished giving a presentation at work, and an outspoken coworker challenges your ideas. Do you: a) Engage in a friendly debate about the merits of each argument, or b) Avoid a conflict by agreeing or changing the subject? As Visual Capitalist's Jenna Ross details below, the way you approach this type of situation may influence how much money you earn. Today’s infographic comes to us from Truity, and it outlines the potential relationship between personality type and income. Through the Myers-Briggs Lens The Myers-Briggs personality test serves as a robust framework for analyzing the connection between personality and income, in a way that is easily understood and familiar to many people. The theory outlines four personality dimensions that are described using opposing traits. Extraversion vs. Introversion: Extroverts gain energy by interacting with others, while introverts draw energy from spending time alone. Sensing vs. Intuition: Sensors prefer concrete and factual information, while intuitive types use their imagination or wider patterns to interpret information. Thinking vs. Feeling: Thinkers make rational decisions based on logic, while feelers make empathetic decisions considering the needs of others. Judging vs. Perceiving: Judging types organize their life in a structured manner, while perceiving types are more flexible and spontaneous. For example, someone who aligns with extraversion, sensing, thinking, and judging would be described as an ESTJ type. The researchers surveyed over 72,000 people to measure these four personality preferences, as well as 23 unique facets of personality, income levels, and career-related data. Traits With the Highest Earning Potential Based on the above four dimensions, extroverts, sensors, thinkers, and judgers tend to be the most financially successful. Diving into specific personality characteristics, certain traits are more closely correlated with higher income.   For instance, extroverts are much more likely to have higher incomes if they are quick to share thoughts, have high energy, and like being in the public eye. Thinkers also score high on income potential, especially if they enjoy debates, make rational decisions, and moderate their emotions.   The Top Earners Which personality types earn the highest incomes of all? Extroverted thinking types dominate the ranks again. Source: Truity The one exception is INTJs, with 10% earning an annual salary of $150K or more in their peak earning years. Personality and the Gender Pay Gap With all these factors in mind, the researchers analyzed whether personality differences would affect the gender pay gap. When the average salaries were separated for men and women, the results were clear: men of almost all personality types earn more than the average income for the sample overall, while all but two personality types of women earned less than the average. Source: Truity In fact, women with high-earning personality types still earn less than men who do not possess those traits. For example, extroverted women earn about $55,000 annually, while introverted men earn an average of over $64,000. Maximizing Your Potential Are the introverted personalities of the world doomed to lower salaries? Not necessarily—while personality does play a role, many other factors contribute to income levels: Level of education Years of experience Local job market Type of industry The particular career Not only that, anyone can work on the two specific personality traits most aligned with higher incomes: set ambitious goals, and face conflict head-on to ensure your voice is heard. Tyler Durden Tue, 11/09/2021 - 21:25.....»»

Category: blogSource: zerohedgeNov 9th, 2021

33 cool tech gifts for teens, from Bluetooth speakers to gaming controllers

Teens love tech, so we've rounded up the best gadget gifts out there. From smart speakers to bike helmets and cameras, there's something for everyone. When you buy through our links, Insider may earn an affiliate commission. Learn more. Amazon; Best Buy; Gilbert Espinoza/Business Insider We rounded up the best tech gifts for teens with something for every budget. From headphones to cameras, we have gift ideas for all interests. Shopping for someone else? Check out our best tech gifts for women and our best picks under $25. Finding exciting gifts for a teenager can be difficult as they develop their own style, but new technology can encourage them to build new skills or just make their life easier as they continue to grow.Whether the teen on your shopping list is into video games, photography, music, or fitness, there's a tech gift on this list for everyone. Our tech gift recommendations also cover a variety of budgets, with some picks costing less than $15. A subscription service with access to thousands of digital comic books Marvel Marvel Unlimited, $10 a month or $70 a yearComixology Unlimited, $6 a monthIf your teen is a fan of the Marvel Cinematic Universe or superheroes in general, you can give them access to thousands of comic books with a subscription to Marvel Unlimited. The digital service offers more than 29,000 comics, spanning from the classic origin stories of characters like Spider-Man and the X-Men, to recent comic book events like "Venom: King in Black." You can access Marvel Unlimited on iPhone, Android, iPad, and your web browser, and download books for offline viewing. If your teen is a more adventurous reader, you can get them a subscription to Comixology Unlimited, an Amazon owned comic reading service that features a wider range of content, including DC Comics like "Batman" and Image Comics like "The Walking Dead." Comixology Unlimited costs $6 a month making it cheaper than Marvel Unlimited, but it offers fewer complete series. Comixology Unlimited subscribers also receive up to 15% off Marvel, DC, Image, and Dark Horse comic book purchases, making it easier to build a personal collection. A customized gaming controller This is just a small selection of the colors available in the Xbox Design Lab. Microsoft Xbox design Lab Custom Controller, available at Microsoft, $69.99Microsoft's Xbox controller has a classic design and is compatible with a wide range of devices, including iPhone, iPad, Android products, Mac, and PC. But people might not be aware of Microsoft's Xbox Design Lab, which lets you customize the colors on every part of the controller and add a laser engraving. The custom controller will arrive within 28 days, usually taking about two weeks.If you're worried about choosing a design for your teen, you can give them an $80 Xbox gift card and let them choose between a custom design, or just buying a new game with the store credit. A webcam perfect for streaming your own videos Logitech Logitech c920x, available at Amazon, $60This webcam is one of the most recommended for people getting started with YouTube videos or Twitch livestreams, and it's become even more popular with professionals working from home.While lots of laptops come with built-in cameras, the Logitech c920 offers better video quality with resolutions up to 1080p, a wide viewing angle, streaming at 60 frames per second at 720p, and an adjustable base that can be easily attached to tripods and other stands. A streaming subscription for music lovers An Android smartphone with the Spotify Music logo visible on screen, alongside a pair of earphones. Olly Curtis/Future via Getty Images Spotify Premium Subscription, available at Spotify, $9.99 a monthTeens love listening to music, and streaming services offer unlimited access to their favorite tunes. Spotify offers a huge music library and is compatible with Apple, Android, and Windows devices.  The premium subscription gets rid of ads, allows  your teen  to download songs for offline listening, and lets them skip songs as they please. Plans start at $10 per month and are a great way to satisfy the music lover in your family. Wireless earbuds that easily pair with an iPhone Crystal Cox/Business Insider Apple AirPods Pro,  available at Amazon, $190Apple's AirPods Pro offer a great way for your teen to listen to music, take calls, and tune out the world. These true wireless earbuds feature seamless pairing with Apple devices, active noise cancellation, and a transparency mode so they can still hear you when you remind them to do their homework. They come with three sizes of removable eartips for a perfect fit, and boast up to 24 hours of listening time with multiple charges in the included wireless charging case. A subscription that's like Netflix for video games Microsoft Xbox Game Pass Ultimate, $37.99 for 3 months Playstation Plus Subscription, $24.99 for 3 monthsWhy buy just one game when you can get dozens? That's the premise behind Xbox Game Pass Ultimate, Microsoft's Netflix-style subscription gaming service.  Microsoft offers over 100 games, including blockbusters like "Grand Theft Auto V," "Destiny 2," and "FIFA 21" among many others.  Game Pass Ultimate isn't cheap – it costs around $40 for three months – but offers a tremendous value considering that one new game costs $60. For Playstation fans there's Playstation Plus, which is cheaper than Microsoft's service at $25 for three months, but offers far fewer games. Subscribers get access to a handful of titles each month that they can download and keep as long as they remain a member of the service.The service also comes with other perks like online gameplay and discounts. Which subscription you should get depends on the console your teen owns, but they'll appreciate either one. A gaming headset with audiophile-level sound Amazon SteelSeries Arctis Pro, available at Amazon, from $149.84If you're going to get your PC gamer a gaming headset, you might as well invest in one that produces audiophile-level sound. That way, they can listen to music and watch movies without having to switch to a different pair of headphones.The SteelSeries Arctis Pro is a good choice for gamers who care about top-notch audio, as it comes with several input options, virtual surround sound, and a bass that can be pushed. Plus, teens will love the fact that they can customize its look with SteelSeries' range of headbands and ear cups.If you're willing to splurge, the $329.99 wireless version makes it easier for your teen to seamlessly transition between playing games on their PC and taking a call on their phone. An Instax printer to print all those selfies on Amazon Fujifilm Instax Mini Link Smartphone Printer, available at Best Buy, $99.99Instant cameras are so yesterday! With most teens relying on their camera phones to take photos, a mobile photo printer that lets them print all those friend selfies saved on their phone on 1.81 x 2.44 Instax film is just what the fun doctor ordered. Pair that with the photo clip fairy string lights as a stocking stuffer, and you might just inspire your teen to decorate and declutter their room to make it visitor-friendly. A unique electronic musical instrument that's big in Japan Amazon Otamatone Deluxe Electronic Musical Instrument, available at Amazon, $79.99Music is one of the biggest outlets teens turn to channel their creativity and angst, and this musical synthesizer lets your budding musician create music in a fun and quirky way. Pressing the middle part of the Otamatone and sliding your fingers up and down it will produce higher and lower tones while opening and closing its mouth creates a "wah" sound. It can even connect to speakers, amps, and (preferably to the rest of your household) headphones.  A 3D pen with plastic refills in 15 different colors Facebook 3Doodler Create + 3D Printing Pen, available at Amazon, $79.99Today's 3D printers may be pricey, but that doesn't mean that your artistic teen can't enjoy and master the art. With this 3D pen, they can even do so in a more analog way, stirring their creativity and allowing them to appreciate the value of working with one's hands. Plug this pen into a wall outlet, load up the plastic color, and once the pen heats the plastic, your teen is ready to create. It comes with an app with interactive step-by-step instructions on custom art projects. A smartwatch that tracks activity and fitness goals Lisa Eadicicco/Business Insider Apple Watch SE, available at Amazon, $279.00Your athletic or health-conscious teen will definitely appreciate the Apple Watch SE. This smartwatch can do most of the things Apple's flagship smartwatch can, while keeping things more affordable. It's still on the pricey side, but it's worth it to keep teens on the healthy, active path. As for the fun factor, your teen can customize it with different faces, bands and memojis, as well as use it to play music and stay in touch with friends via iMessage, social media apps, and phone capabilities. Bluetooth trackers that keep your teen from losing their, well, everything Tile Tile Limited Edition Bluetooth trackers, available at Tile, starting at $23.99You want to be able to entrust them with important things, from necessities like house and car keys to devices that cost money like laptops. But, let's face it: teenagers are basically bigger versions of kids, and they still tend to lose their stuff. This is why Tile's Bluetooth trackers are super handy. Attach one to their keys or wallet, connect it with their phone, and that's one last question you'll have to field. With their range of Limited Edition trackers that come in several fun designs, they'll be proud to show these off to friends.If your teen owns an iPhone, you can also consider purchasing AirTags, Apple's official tracking device that works with the Find My app. They're a bit more expensive than Tile trackers at $29 each, but offer more features for iPhone users. They also come with a free engraving for personalization. A handheld gaming system with multiplayer capabilities Nintendo Nintendo Switch Lite, available at Best Buy, $199.00If you're on a limited budget (times have been tough, after all) but want to reward your teen with a handheld gaming console, you cannot go wrong with a Nintendo Switch Lite. This pocket-friendly device may not be able to connect to the TV, but it's got a few advantages over the standard Switch beyond the price. It plays all but a few of the same games while being more portable. And, for color-loving teens, it comes in three fun shades plus gray. A PC gaming controller with wireless connectivity Amazon Logitech Gamepad F310, available at Target, $14.99This is a must-have for any teen who enjoys PC and console gaming. With the Logitech Gamepad F310, they can play their favorite Steam and other PC games from the comfort of a couch without the need for a mouse or keyboard — partly thanks to the 6-foot long cable. This will give them better control and a more seamless gaming experience during long sessions as well. If your teen hasn't experienced PC gaming from the couch, this will be a game-changer. A mini projector with a built-in speaker system Amazon Elephas Mini Movie Projector, available at Amazon, $79.99Kids today are moving away from classic television and toward the versatility and convenience of projectors. The Elephas Mini Movie Projector turns any wall into a TV or computer monitor. This allows your teen to watch movies, sports, video games, and more just about anywhere, including their room for their much-needed privacy. Help them create a comfy floor setup with pillows and blankets, and it's a fun slumber party with friends. Also, Elephas offers a lifetime warranty. Affordable wireless earbuds Amazon JLab Audio JBuds Air, available at Amazon, $24.49These true wireless earbuds don't boast the same feature set as Apple's AirPods but they do have Bluetooth 5.0, quality sound, a microphone for calls, and basic water resistance. The battery lasts for six hours, and the case holds an additional 18 hours of charge, giving them comparable battery life to AirPods. A drone with high-quality video capabilities Amazon DJI Mini SE, available at Amazon, $299Whether you've got a future influencer or a budding content creator in the family, you've got an ace gift in this mini drone from DJI. This is an impressive drone for the price point, with a battery life of 30 minutes and a camera touting great stabilization and 2.7K Quad HD video capability. This drone even has automatic motion presets and a smooth motion mode, allowing beginner videographers such as your teen to utilize pro-level shooting techniques effortlessly. Just remember to teach them proper drone etiquette before they let their new toy fly. Winter gloves with touchscreen-capable fingertips Amazon Achiou Winter Knit Gloves, available at Amazon, from $7.99Teens aren't going to stop using their phones just because it's freezing outside. They need to stay in touch, and a lot of the time, they'll take off their gloves so they can rub and tap on a touchscreen. With these gloves, they can protect their digits while catching up on social media. And, at this price, you might want to buy a few pairs – and in different colors, if you want – for when they inevitably lose them. A build-your-own computer kit for beginners Amazon CanaKit Raspberry Pi 4 Starter MAX Kit, available at Amazon, $124.99If your teen likes to take things apart and put them back together again, this is the perfect gift. Raspberry Pi has taught basic computer science in developing countries and schools since 2012, and Pi 4 is the latest version. The kit comes with an easy-to-follow quick start guide. The computer doesn't come with accessories, such as a monitor, mouse, keyboard, or cooling fan so you may want to pick those components up as well. A portable Bluetooth speaker with a hardshell carrying case Amazon JBL Flip 5 Portable Speaker, available at Amazon, $129.99Teens love blasting music away, and this speaker from JBL will let them do so wherever they are — including at the beach or even while floating in the pool. To keep things portable, it boasts up to 12 hours of playtime and comes with a gSport Deluxe Hardshell Case. Best of all, it features IPX7 waterproof protection so it can go in up to three feet of water. With this, they'll have something to look forward to next summer. A power bank with enough juice to charge a phone 2 times Amazon Anker Portable Charger, available at Amazon, $22 It's not surprising for a teen to spend all day and night draining their phone's battery, but if their phone is frequently dying while they're out, consider buying them a portable charger to provide some extra juice on the go. Anker's PowerCore Slim portable charger holds more than two full charges for the latest iPhone, and should work with any USB device. If you're willing to spend a bit more, you can buy a portable battery with wireless charging, to eliminate the need for cords. A handheld gimbal for shooting cinematic videos with friends Amazon Zhiyun Smooth 4 Handheld Smartphone Gimbal, available at Amazon, $99.00Whether it's for shooting TikTok content to making full-fledged YouTube videos, a handheld gimbal will let your teen produce better, smoother-looking content. But, while many options out there will set you back more than $100, this gimbal from Zhiyun costs less, which makes it the perfect gift for teens. And, while most teens seem to be naturally tech savvy, this one is especially effortless to figure out, complete with different shooting modes and pro-level shooting techniques turned automated. A beanie with headphones that pair with their phone Amazon SoundBot SB210 Bluetooth Smart Beanie Headset, available on Amazon, $17.99We all agree – beanies are some of the comfiest accessories out there. But, this nifty one from SoundBot takes it to a new level, with built-in speakers, Bluetooth connectivity, and up to five hours of music listening. Now, your teen can stay warm and listen to music at the same time, without having to wear or carry two things at once. Best yet, it comes in several different colors, some even with poms, so you can get it in their favorite color or design. A smart light strip that changes colors Philips Philips Hue White & Color Ambiance LightStrip Plus, available at Philips-Hue, $79.99Fairy or string lights are among the top accessories teens love to decorate their rooms with, and Hue's light strip takes that to a new level with its smart light capabilities, ability to display 16 million colors, and Alexa and Google Assistant compatibility. It's terrific for sprucing up every teen's room, whether they're gamers, Bohemians, nature-lovers, or those with an eclectic taste. They can even change the colors depending on their mood, what they're into, or what they're currently doing. A subscription to the best audiobook service Amazon Audible Subscription, available at Amazon, $15 a monthGive teens the gift of knowledge with this audiobook subscription. This gives them an audiobook and two Audible originals each month. They will also get 30% off any other audiobooks they choose to buy, which they will own even after their subscription expires. This is an excellent solution for students who learn better by listening than reading. An alarm clock that doubles as a Bluetooth speaker Amazon Anker Soundcore Wakey Bluetooth Speakers with Alarm Clock, available at Amazon, $89.99This alarm clock is packed full of features. It pairs with your teen's phone via Bluetooth and plays audio from any of the apps, as well as FM radio or any combination of the 10 sleep-inducing ambient sounds. There are 10 different alarm sounds, and it wirelessly charges Qi-compatible devices as well. A Bluetooth speaker that teens can use in the shower Amazon iFox iF012 Bluetooth Shower Speaker, available at Amazon, $34.90Teens need to have their music everywhere at all times – that's right, even in the shower. Sure, the JBL Flip 5 mentioned above will work in the shower. For a quarter of the price, however, you can get your teen a dedicated shower speaker, one with a 33-foot range and up to 10 hours of battery life. iFox backs this with a 12-month, no-risk, money-back guarantee. What have you got to lose? A microphone that plugs into a USB port Amazon Blue Snowball iCE Condenser Microphone, available at Amazon, $40We bet you haven't considered giving your teen a microphone before. It is a bit of an unconventional holiday gift, but one that teens will love whether they have their own Twitch or YouTube channel, or produce their own podcast. It's an outstanding plug-and-play microphone solution that delivers crystal clear audio to your recordings, all while looking cool and retro. An action camera that will record their adventures Les Shu/Insider GoPro Hero 10 Black, available at B&H, $450Teens, especially active and adventurous ones, are always up to something new and exciting, whether it's taking an electric skateboard out for a spin or taking on the latest TikTok trends. And, a GoPro action camera will let them record those exploits with friends hands-free. This latest one is obviously the best with 5.3K Ultra HD recording, 23MP still images, and improved HyperSmooth stabilization. A bike helmet with built-in turn signals Amazon Lumos Smart Bike Helmet, available at Amazon, from $199.95This is the perfect helmet for a bike and, most importantly, to protect your teen's head. The helmet pairs with the Lumos app as well as the wireless handlebar remote so you can let drivers know when you're turning. Finally, it has auto brake lights. All these features help keep teens even safer while they're out on the streets. A smart speaker that helps keep them organized Amazon Echo Dot (4th Gen), available at Amazon, $34.99 With the help of Alexa, this mini smart speaker is capable of doing a host of things, from playing your teen's favorite tunes on Spotify or Amazon Music to controlling other smart devices and setting reminders and schedules hands-free. It'll even tell jokes and play trivia games. Teens have a lot going on in their lives, and this gadget is among the best tools they can use to stay organized. A smart outlet plug with support for voice control Amazon Gosund Multi Wi-Fi Smart Outlet, available on Walmart, $18.99Today's smart plugs are like the Clapper on steroids. Teens can control their lights, fans, and more from anywhere with the free app that works on both iOS and Android devices – or with an Amazon Echo device. This is another one that parents will also like since it might make a dent on the steep electricity bill. A laptop with great durability and battery life Apple Apple MacBook Air with Apple M1 Chip, available at Amazon, $899.00If you're looking to splurge on your kid, then the latest MacBook Air will go a long way. This thin and light 13-inch comes with 8GB RAM and 256GB SSD storage, as well as Apple's M1 chip, should get them through daily homework, projects and papers, while letting them play games and enjoy some streaming post-school work. And, since Apple's laptops are practically built like a tank, you'll have the peace of mind that it'll survive some beatings. Read the original article on Business Insider.....»»

Category: topSource: businessinsiderNov 5th, 2021

The 5 best standalone freezers of 2021

A standalone freezer can give you more storage for everything from frozen produce to pizza to meat. Here are the best ones you can buy. Table of Contents: Masthead Sticky A standalone freezer allows you to cut down on grocery trips and save money by buying in bulk. We chose the GE FUF17DLRWW as our best overall freezer. It's reasonably priced, with a straightforward, functional design. Learn more about how Insider Reviews evaluates home products. If you have the space and the budget, buying a standalone freezer can be a great investment. Whether you have a large family who wants to stock up on regular food items; aren't satisfied with your refrigerator's freezer section; or just want to be prepared in the event of an emergency, there are a variety of freezers to choose from.When choosing a freezer, the first thing to consider is which type fits best with your household. Upright and chest freezers both have considerable benefits and drawbacks to keep in mind. You can read more about the differences here.My family owned both chest and upright freezers growing up, and I have had hands-on experience using both manual and frost-free styles. I've used this experience, extensive online research, and consulted an expert to assemble this list. Editor's note: Due to supply-chain issues, major appliances, including freezers, have been having stock issues. Here are our top picks for the best freezerBest freezer overall: GE FUF17DLRWW 17.3-Cubic Foot Frost-Free Upright FreezerBest compact freezer: Frigidaire FFFU06M1TW 5.8-Cubic Foot Upright FreezerBest budget freezer: GE FCM7SKWW 7.0-Cubic Foot. Manual Defrost Chest FreezerBest extra-large freezer: GE FCM22DLWW 21.7-Cubic Foot Chest FreezerBest heavy-duty freezer: Gladiator GAFZ30FDGB 17.8-Cubic Foot Upright Rolling Garage Freezer Best freezer overall GE The GE FUF17DLRWW 17.3-Cubic Foot Frost-Free Upright Freezer is large enough to comfortably support a large family, and its basic, straightforward design makes for a nice balance of convenience and functionality.Dimensions: 32.875 x 31.375 x 64.75 inchesCapacity: 17.3 cubic feetDefrost type: Frost freeOrganizational features: 4 glass (2 adjustable), 4 door bins, 3 drawersTemperature alarm: YesEnergy Star certified? YesPros: Door lock, stylish handle, Turbo Freeze cooling systemCons: Does not include an ice maker, door cannot be reversedThe GE FUF17DLRWW Upright Freezer is on the larger end of the size spectrum, so you should be able to pack it with food. It's easy to keep all that food organized thanks to door storage bins, large pull-out drawers on the bottom, and another adjustable drawer up top. This drawer is similar to the deli-drawer you find in a typical refrigerator, though you won't usually find it in standalone freezers.The bright LED lighting makes the GE Frost-Free a great choice for dark basements and garages, allowing you to easily find what you're looking for. This lighting, combined with the convenient storage options, minimizes the time the door is open, thus requiring less energy to keep the unit cool.  The bright digital readout on the front of the GE FUF17DLRWW lets you keep an eye on the current temperature at all times, and a safety alarm ensures that you'll know if something goes wrong.  This model functions within a range of outside temperatures, between 0℉ and 110℉  (-17.7℃ to 43.3℃).   Best compact freezer Frigidaire Its small footprint makes the Frigidaire FFFU06M1TW 5.8-Cubic Foot Upright Freezer a great option for those with limited space who still want the benefits of additional freezer storage. Dimensions: 21.75 x 22.8125 x 56.8125 inchesCapacity: 6 cubic feetDefrost type: ManualOrganizational features: 5 wire shelvesTemperature alarm: NoEnergy Star certified? NoPros: Adjustable leveling legs, lightweight Cons: No interior light, no water drainThere are a few reasons the Frigidaire FFFU06M1TW is our pick for tight areas. A reversible door makes it more likely to fit anywhere, allowing you to choose which direction it swings open. Plus, its pocket handle saves you a few inches on the front of the unit. This design does require you to reach the top of the door to open it, so this feature can be less convenient for shorter people.Its small size also makes the manual defrosting process more manageable. By defrosting more quickly, your food will spend less time out of the freezer, and that's always a good thing. Since it will be easier to keep it packed tight, you'll need to defrost it less frequently. Even though the Frigidaire Upright Freezer is a compact model, its interior shelf dimensions still provide a good amount of storage room. However, these shelves are fixed and cannot be adjusted to create more height. This is because the freezer coils that cool the unit run underneath each shelf. This rigid design could be a deal-breaker for anyone looking to store larger items like turkeys or extra-large pizza boxes. The Frigidaire FFFU06M1TW doesn't have the door storage of other upright models, but essentially you're sacrificing that to keep the entire unit compact.  Best budget freezer GE The GE FCM7SKWW 7.0-Cubic Foot. Manual Defrost Chest Freezer is a mid-size model that won't break the bank and still delivers many of the features and benefits you would find in more expensive options. Dimensions: 73.25 x 33 x 33.375 inchesCapacity: 21.7 cubic feetDefrost type: ManualOrganizational features: 5 basketsPower-failure alarm: YesEnergy Star certified? YesPros: Power-on lightCons: No lock, no interior light At 37 inches wide, the GE FCM7SKWW 7.0-Cubic Foot. Manual Defrost Chest Freezer can still fit into tight areas. Plus, its 7.0 cubic feet of storage can handle a fair amount of food. Two lift-out storage baskets allow you to store the items you use most regularly on top so you spend less time searching through the freezer with the door open. These baskets slide horizontally across the top of the unit, so you can scoot them around to access the main cavity.The water drain is located on the front of the unit, making it more convenient when defrosting. In my experience, when this drain is located anywhere else, it's always more of a hassle and results in uncomfortable shifting and lifting of the unit itself. The temperature control knob is located on the front of the freezer as well, allowing you to make temperature adjustments without opening the door. Though the freezer's power-on light is useful, the fact that it's located near the bottom of the unit makes it a bit less convenient. If your freezer is in your garage, for example, the power light can be blocked by vehicles or furniture.As someone who has moved several heavy freezers up and down basement stairs, I always appreciate a lightweight model. At only 75 pounds, the GE FCM7SKWW is manageable, and two strong adults should be able to move it around. Best extra-large freezer GE The massive storage capacity of the GE FCM22DLWW 21.7-Cubic Foot Chest Freezer makes it an ideal choice for large families or anyone looking to keep a lot of frozen items organized.Dimensions: 73.25 x 33 x 33.375 inchesCapacity: 21.7 cubic feetDefrost type: ManualOrganizational features: 5 basketsPower-failure alarm: YesEnergy Star certified? YesPros: Lots of storage options Cons: No digital temperature display, manual defrostThe primary factor that separates the GE FCM22DLWW 21.7-Cubic Foot Chest Freezer from similar models is that it, even as a chest freezer, is designed with organization in mind. Its five lift-out storage baskets slide back and forth across upper and lower rails, and the four dividers below allow you to customize the main cavity as you like.  This kind of organization is especially important with larger freezers. The faster you grab what you need and get the door closed, the less cold air escapes. A nice, bright LED light automatically activates when the door opens, allowing you to get in and out quickly.Security is important with a freezer of this size. The GE chest freezer has a bright green power light that lets you know power status, as well as an audible temperature alarm that immediately alerts you if the temperature rises. The door lock will keep away any nosy intruders and safeguard against small children climbing inside. I really appreciate simple, low-tech features, and the handy guide sticker on this freezer is a great example. It provides the recommended shelf life of a variety of food items in an easy-to-read visual, making it easy to date and organize your foods. One drawback is that the GE FCM22DLWW is a manual defrost model. A larger unit like this one will take some time to empty, defrost, and refill. Best heavy-duty freezer Gladiator The Gladiator GAFZ30FDGB 17.8-Cubic Foot Upright Rolling Garage Freezer combines a rugged exterior built for garages with strong, heavy-duty interior shelving.Dimensions: 30.25 x 32.38 x 72.25 inchesCapacity: 17.8 cubic feetDefrost type: Frost freeOrganizational features: 3 shelves, 2 wire baskets, 6 door binsPower-failure alarm: Energy Star certified? NoPros: Reversible door, interior lights Cons: Limited to one color, no lock, no door alarm Even though it's our heavy-duty pick, the Gladiator GAFZ30FDGB 17.8-Cubic Foot Upright Rolling Garage Freezer is surprisingly stylish. Recessed pocket handles give it a cleaner look, and the black matte finish matches much better with the toolboxes and hardware often found in garages.  The Gladiator freezer provides a nice variety of door storage and includes two space-saving wire racks for sliding in narrow items like frozen pizzas. Its two adjustable shelves allow you to customize the top half of the fridge, while two wire drawers keep the bottom organized.My favorite element of the Gladiator is its stainless steel foot pedal, a feature that I've never seen before in a freezer. By stepping on the steel tread plate, you can easily open the door hands-free. This pedal can come in handy in the garage, where there typically isn't a ton of counter space to set things down. The rolling casters make the Gladiator garage freezer great for a busy garage, allowing you to relocate it when projects come along that require floor space. The front wheels lock in place, preventing it from any accidental rolling.  The main drawback of the Gladiator GAFZ30FDGB is the fact that you must assemble both the foot pedal and the casters. They require you to lay the unit on its side to do so, which might be too much trouble for some customers.  Research methodology To assemble this guide, I researched brands based on their reliability. I narrowed down the options based on features, size, and price. Because some people would rather pay less, I didn't discount manual defrost models, despite their inconvenience. In addition to my research and experience with chest and upright freezers, I spoke with Micah Sparacio of Cove Creek Farm. As the co-owner of a farm that sells beef and pork, Sparacio is familiar with the qualities that make a freezer best for food storage. Freezer FAQs GE What's the difference between an upright freezer and a chest freezer?Upright freezers stand vertically, like a typical refrigerator. Their small footprint makes them popular choices for those who don't have a lot of room to spare. Upright freezers also provide organizational options that most chest freezers don't, like door storage, vertical shelving, and pull-out drawers. This makes them convenient for households that need to store a variety of food sizes and shapes, like soft bags of peas that aren't easily stacked. These models tend to have more air flowing around the food, which makes them less efficient and can cause freezer burn. Chest freezers are more like a cooler, with a door on top that flips up. They take up more floorspace than upright models, but their lower height allows you to put them in otherwise unusable areas, like underneath basement stairs. This design also allows them more storage capacity than upright freezers, simply because you don't have to worry about anything falling out when you open the door. This also makes it easier to fill and pack tightly.Micah Sparacio of Cove Creek Farm recommends chest freezes over upright freezers "because the cold air stays more contained when you open it," he said. Sparacio also stressed the importance of maintaining organization. "It is very easy for things to get buried, cluttered, and lost in a chest freezer, so having compartments to separate and store different types of food will help you avoid having to go on a complicated treasure hunt every time you want to grab something," he said.What size freezer do I need?Determining what size freezer to purchase can be a tricky process. You want to make sure that your choice is big enough to fulfill your storage needs, but you also don't want to get one that's so big you'll have trouble filling it up. Freezers with a lot of unused space are less efficient than those filled with food since warm air fills empty spaces when you open the door. A packed freezer is much more likely to retain its temperature and require less energy to keep cool. Home Depot recommends 1.5 cubic feet of space per person, so a four-person family would need at least six cubic feet of freezer space to meet their needs. This formula is not a hard and fast rule and should be used as a jumping-off point. Do I need to defrost my standalone freezer?Regardless of the size and type of freezer you choose, it will eventually build up frost on the inside, which will need to be removed. This can either be done manually, or you can opt for a self-defrosting model that handles it for you.What's a self-defrost or frost-free freezer?These freezers eliminate frost by periodically raising the temperature inside the freezer, melting the frost and preventing buildup. These self-defrosting models may be convenient, but their additional components also add more parts that can potentially break down over time. Plus, the gradual warming and cooling, even though it's minimal, can increase the chances of freezer burn and drying out your food. They also tend to use more energy as well. What's manual defrost?Unlike frost-free models, manual defrost freezers require you to remove the frost buildup yourself. You'll need to take everything out of the freezer during this process. If you live in a hot or humid climate, you might want to stick with a frost-free model. It might sound like a hassle, but if you're diligent about keeping the freezer door closed and minimizing humidity that creates frost, you can extend the time between defrosting sessions. How do you defrost a freezer?Remove everything from the unit, unplug it, melt the frost, drain the water, and put everything back in. You might be tempted to chip away at the frost to speed things up, but the risk of damaging the inside of your freezer isn't worth it. Use a hairdryer if you want to expedite the process, but just be aware that the heat can potentially damage plastic parts. GE recommends that you defrost your unit when frost builds up to 0.25 to 0.5 inches.How can I tell if the temperature rose too high on my freezer?It can be easy for a freezer to lose power then refreeze again without you knowing about it. This might mean your food spoiled if the power was out for too long. Some models have alarms that sound when the temperature gets too warm, including when the power goes out. A low-tech backup mechanism can alert you to refreezing if you don't have an alarm. Place a cup half-filled with frozen water in the freezer, and place a quarter on top. If the freezer fails, the water will melt, and the quarter will sink to the bottom before it refreezes. If you see this, you'll know what happened. Check out more storage guides The Container Store Instagram The best clothes hangersThe best storage containersHome organization ideas for under $50 Read the original article on Business Insider.....»»

Category: topSource: businessinsiderOct 21st, 2021

Silver, The Edge Over Gold

When discussing wealth preservation or any form of a conservative hedge, the word gold comes easily to the forefront. The shiny metal has a substantial history of having saved a civilization or two. The lesser obvious choice is silver, but this precious metal is in a unique situation right now that any speculator that seeks […] When discussing wealth preservation or any form of a conservative hedge, the word gold comes easily to the forefront. The shiny metal has a substantial history of having saved a civilization or two. The lesser obvious choice is silver, but this precious metal is in a unique situation right now that any speculator that seeks out a hedge against inflation should be aware of. Silver, the edge over gold. 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 Walter Schloss Series in PDF Get the entire 10-part series on Walter Schloss 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); Q3 2021 hedge fund letters, conferences and more It isn’t just a good bet to hedge exuberant market risk right now. It is massively undervalued and, as such, a pristine play in itself. Silver In US-Dollar, Monthly Chart, Still At Average Prices: Silver in US-Dollar, monthly chart as of October 15th, 2021. A look at the monthly chart over the last forty years, back to 1980 when the US also was confronted with a crisis, silver prices skyrocketed. Overall, though, prices right now reflect averages like averages of that time. Gold In US-Dollar, Monthly Chart, Trending Up: Gold in US-Dollar, monthly chart as of October 15th, 2021. In comparison to the monthly gold chart, we can see what’s out of whack. Gold since then from its averages at the time has appreciated nearly 300%. We see no fundamental reasons that substantiate such a divergence between the two. With silver being that grossly undervalued, it has tremendous additional potential once it is forced to catch up. This is partially reflected in the stretch between the spot price and the actual value of physical silver that can be acquired. A nearly 20% spread can be seen now for almost two years. It would come as no surprise that a supply shortage might bring fuel to an up move. Silver In US-Dollar, Daily Chart, Minimizing Entry Risk: Silver in US-Dollar, daily chart as of October 15th, 2021. It isn’t only the long-term profit probability that makes silver attractive. Silver also has an edge from the perspective of execution. Low-risk entries and exits are fundamental elements for high probability win ratios. We want to share some edges with the reader on how to engage with silver from an execution standpoint. We picked the daily time frame since daily charts do have a significant position for most market speculators. Daily time frame charts are typically used for smaller time frame position traders as setup time frames. Larger time frame players who have their setups either on weekly or monthly charts still use daily time frames to time their entries to mitigate execution risk. We circled in the daily chart above two sets of supportive methods on how to find low-risk entries that provide not only higher likely turning points, but a way to set tighter stops than usual. White circles show how meaningful the “mean” (blue line) is to silver traders. Yellow circles show when the price meets the 200 simple moving average (purple line), another point of interest to traders. A low-risk entry point marks when multiple edges appear simultaneously like in scenario “one,” a low-risk entry point is located. In our example, a short entry with support from a two-hundred simple moving average, the mean, and a distribution zone defined by a fractal volume analysis (histogram to the right of the chart.) Silver In US-Dollar, Monthly Chart, Getting Ready: Silver in US-Dollar, monthly chart as of October 14th, 2021. From a long-term investment perspective, we would be interested in looking for a daily low-risk entry point once October (very right bar on monthly chart above) closes in the green. In addition, we would like the price to be lower than the October’s candle closing price after the first four trading days of November. Silver, The Edge Over Gold: We do not believe in extremes, quite the contrary. While typically diversification means more like throwing stuff against the wall and hoping something sticks, when it comes to wealth preservation, diversification is a good thing. We aren’t living in times to aim to make a killing. Right now, risk control supersedes exuberant market play for profits. We find gold and bitcoin very much suitable to protect your wealth. The steep percentage factor of inflation also warrants for a more aggressive wealth preservation play. That is where silver comes in. Silver with the potential to see triple-digit prices in the near future allows for keeping inflation risk in check. Feel free to join us in our free Telegram channel for daily real time data and a great community. If you like to get regular updates on our gold model, precious metals and cryptocurrencies you can also subscribe to our free newsletter. This article does not contain investment advice or recommendations. Every investment and trading move involves risk, and readers should conduct their own research when making a decision. The views, thoughts and opinions expressed here are the author’s alone. They do not necessarily reflect or represent the views and opinions of Midas Touch Consulting. Article By Korbinian Koller, Midas Touch About the Author: Korbinian Koller Outstanding abstract reasoning ability and ability to think creatively and originally has led over the last 25 years to extract new principles and a unique way to view the markets resulting in a multitude of various time frame systems, generating high hit rates and outstanding risk reward ratios. Over 20 years of coaching traders with heart & passion, assessing complex situations, troubleshoot and solve problems principle based has led to experience and a professional history of success. Skilled natural teacher and exceptional developer of talent.Avid learner guided by a plan with ability to suppress ego and empower students to share ideas and best practices and to apply principle-based technical/conceptual knowledge to maximize efficiency. 25+ year execution experience (50.000+ trades executed) Trading multiple personal accounts (long and short-and combinations of the two). Amazing market feel complementing mechanical systems discipline for precise and extreme low risk entries while objectively seeing the whole picture. Ability to notice and separate emotional responses from the decision-making process and to stand outside oneself and one’s concerns about images in order to function in terms of larger objectives. Developed exit strategies that compensate both for maximizing profits and psychological ease to allow for continuous flow throughout the whole trading day. In depth knowledge of money management strategies with the experience of multiple 6 sigma events in various markets (futures, stocks, commodities, currencies, bonds) embedded in extreme low risk statistical probability models with smooth equity curves and extensive risk management as well as extensive disaster risk allow for my natural capacity for risk-taking. Updated on Oct 15, 2021, 2:41 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: valuewalkOct 15th, 2021

Visa (V) Expands Into BNPL Market Via Partnerships in Australia

Visa (V) ties up with ANZ and Quest to expand its reach in the BNPL market of Australia. Visa Inc. V has announced the extension of its Visa Installments in Australia. This will be possible through its partnership with ANZ, one of the country’s largest financial institutions, and the merchant payment provider Quest.This alliance will allow Visa to expand its buy now pay later (BNPL) solutions in the Australia market. Shoppers will be able to avail this financing option via their existing ANZ credit cards during checkout and without any extra steps.BNPL is a kind of financing option, which enables customers to make payments for their purchases in instalments according to the terms of the offer. This arrangement works in favor of merchants as well as shoppers. While the former can afford high value purchases by splitting payments, the latter gains from high sales.Visa Installments was first launched as a pilot in 2019. Gradually, the solution expanded to the United States, Canada, Malaysia, Russia and now Australia.This solution from Visa will allow participating lenders to offer a more flexible range of repayment plans from three months to 24 months with no interest in some cases to their customers.The service is expected to take off easily in the country as a recent Visa survey found that 90% participants showed a high likelihood of using an installment option from their issuing bank and 85% confirmed that installments will improve their relationship with their card provider.BNPL services have been a huge attraction among buyers to date, especially post COVID-19, which brought financial distress. Moreover, BNPL is favored over credit cards by the users looking to avoid steep costs and those who do not qualify for credit cards.The BNPL is an exploding space and even though the installment payment facility has been in existence since a long time, it was earlier structured in a traditional way, carrying an interest, late payment and other additional charges. The BNPL trend got accelerated owing to trust issues in legacy financial institutions.The new-age customers, mainly the Gen Z and the millennials, look for payment options that are easy, transparent, interest-free and dispersed via a digital medium and mobile phones. And the BNPL fits the bill to the tee.The BNPL market is expanding rapidly. Per Worldpay’s 2020 Global Payments report, “buy now pay later” is the fastest growing e-commerce payment method, globally. In North America, the BNPL market share is expected to triple to 3% of the e-commerce payments market by 2023. In other regions, such as EMEA, “buy now pay later” already accounts for almost 6% of the e-commerce payment market and is expected to grow to almost 10% by 2023.This vast market opportunity is attracting players and heating up competition. The same is underscored by the recent deals announced. The payments company PayPal Holdings, Inc. PYPL is also dipping its toes in the sector. Another company Square, Inc. SQ recently announced a $29-billion acquisition of the Australian firm Afterpay, a rival of Affirm. The major company in the BNPL space is the Swedish startup named Klarna, which holds the number one spot, followed by AfterPay and Affirm.Recently Mastercard Inc. MA announced its BNPL service named Mastercard Installments.Visa is investing in the domain keeping an eye on the future. The company is progressing in the openbanking and crypto currency space. Embracing new technological changes in the industry is imperative to stay relevant in the same. Visa is ticking the right boxes to fuel growth over the long term.Visa currently carries a Zacks Rank #2 (Buy) and has gained 3.6% year to date against the industry’s decline of 16.4%. Image Source: Zacks Investment ResearchYou can see the complete list of today’s Zacks #1 Rank (Strong Buy) stocks here.   Infrastructure Stock Boom to Sweep America A massive push to rebuild the crumbling U.S. infrastructure will soon be underway. It’s bipartisan, urgent, and inevitable. Trillions will be spent. Fortunes will be made. The only question is “Will you get into the right stocks early when their growth potential is greatest?” Zacks has released a Special Report to help you do just that, and today it’s free. Discover 7 special companies that look to gain the most from construction and repair to roads, bridges, and buildings, plus cargo hauling and energy transformation on an almost unimaginable scale.Download FREE: How to Profit from Trillions on Spending for Infrastructure >>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 Mastercard Incorporated (MA): Free Stock Analysis Report Visa Inc. (V): Free Stock Analysis Report PayPal Holdings, Inc. (PYPL): Free Stock Analysis Report Square, Inc. (SQ): Free Stock Analysis Report To read this article on Zacks.com click here. Zacks Investment Research.....»»

Category: topSource: zacksOct 8th, 2021

58 thoughtful gifts to give your friends under $100

Buying gifts for friends is a thoughtful way to show them how much you care. Here are 58 gift ideas for your friend, all for less than $100. When you buy through our links, Insider may earn an affiliate commission. Learn more. Getty Images Whether it's your friend's birthday or you simply want to say thank you, they deserve the best. We rounded up 58 gifts, each under $100, that your special friend will treasure. Still looking for gift ideas? Check out all Insider Reviews gift guides here. Table of Contents: Masthead StickyFriends are the ones you rely upon, confide in, and plague with everything from menu choices to whether or not you should move across the country for a new job. So when those gifting occasions roll around, it can be difficult to find something adequately thoughtful to give to that important person - especially within the relatively affordable under-$100 range.To make things easier for you, we put together a list of unique, thoughtful gifts that your friend would love to receive - all for less than $100.Below are 58 gifts under $100 that your friend will actually want: A set of friendship lights Urban Outfitters Brookstone Friendship Lamp Set, available at Urban Outfitters, $89.95If your close friend lives far away, let them know you're always thinking of them with this friendship light. Your friend will know you haven't forgotten them by tapping your light to instantly activate their twin light. A luxurious lavender scent perfume Nordstrom Yves Saint Laurent Libre Fragrance, available at Nordstrom, from $25.50A designer perfume like this Saint Laurent fragrance is a fitting gift for a friend who enjoys luxurious items. The floral fragrance's bold lavender scent appeals to the confident friend who's daring and always lives true to herself. A gold bracelet with her favorite football team Baublebar NFL x Baublebar Gold Pisa Bracelet, available at Baublebar, $30Even if you don't share in friend's enthusiasm for sports, this sports team bracelet shows you get them. Match the bracelet with their favorite team to help her be prepared for the next game day outfit. A relaxing weighted blanket Amazon Luna Weight Blanket, available at Amazon, $76.99For the friend who's constantly working or just needs a chance to unwind, a weighted blanket can make all the difference. We love this one because it's wallet-friendly but still made from quality materials like Oeko-Tex-certified cotton and natural glass beads.  A scent tied to a favorite place Amazon Homesick candle, available at Uncommon Goods, $34For your old college roommate or your friend who's taken a job across the country, this candle is a sweet reminder of home. A planner to help them stay organized Rifle Paper Co. 2022 17-Month Large Planner, available at Rifle Paper Co., $36Your Type A friend will thank you for this planner and its neat, detailed layout. The 17-month design means they can finish out this year and be set for the new year. Plus, two pages of colorful stickers can help liven up the notes, weekly, and monthly planning pages. A neoprene makeup bag from a cool startup they'll love Dagne Dover Hunter Toiletry Bag, available at Dagne Dover, from $40Dagne Dover is one of our all-time favorite handbag companies, and most of that has to do with quality, style, and unmatched attention to detail. The Hunter bag comes in six colors of water-resistant neoprene. It has helpful features like elastic lip gloss loops, slip pockets and a removable zipper pouch for compacts and shadows, and a smooth lining that's easily cleaned. Zipper tabs can be unsnapped to adjust the shape, too.  A playful earbud pouch for that one forgetful friend Baggu Puffy Earbuds Case, available at Baggu, $14If you have a friend who tends to lose their AirPods or earbuds all too often, this unique case attaches straight onto their keyring. Plus, it's quilted, padded, and machine washable. The pouch fastens with velcro and comes in fun colors and patterns like leopard print and stripe. A phone case and wallet all-in-one Nomad Rugged Folio, available at Nomad, $69.95You might have a friend who doesn't like carrying around bulky wallets and would rather keep it simple and sleek. This leather folio case sports three card slots and one cash slot, and also has a new internal shock absorption bumper that protects against 10-foot drops. Best of all, it's made of Horween leather, which ages and appears more rugged as time passes.  A Fitbit for the activity tracker newcomer Fitbit Fitbit Inspire 2, available at Walmart, $87.99If they're contemplating joining the Fitbit bandwagon, they'll appreciate this uncomplicated activity tracker that monitors their exercise, sleep, and heart rate. It's slimmer than its counterparts, but still lasts for 10 days, has 20+ different exercise modes, and receives basic smartphone notifications. A high-tech towel that's better for their hair AQUIS Aquis Lisse Luxe Long Hair Towel, available at Anthropologie, $30Aquis' cult-favorite hair towels have inspired a slew of rave reviews online, including one from our own team of reviewers.The towels are made from a proprietary fabric called Aquitex that's composed of ultra-fine fibers (finer than silk) that work to reduce the amount of friction the hair experiences while in its weakest state. It also prevents hygral fatigue — the stretching and swelling of wet hair that makes it vulnerable to frizz and damage — by cutting the hair's drying time by 50%. Their favorite specialty food straight from the source Goldbelly/Instagram Order their favorite specialty foods using Goldbelly, from $28Goldbelly makes it possible to satisfy their most specific and nostalgic cravings no matter where they live in the US — a cheesecake from Junior's, deep dish pizza from Lou Malnati, and more. Browse the iconic gifts section for inspiration.  A book of witty, quirky postcards Amazon/Business Insider 'Friendship Maintenance: 30 Postcards to Say How Much You Freaking Care,' available at Amazon, $8.34"Friendship Maintenance" adds a more personal touch to the frequent check-ins you're probably already having with one another. The witty postcards weave in themes of friendship in a hilariously relatable way. A tie-dye kit Amazon/Business Insider Just My Style Tie Dye Kit, available at Amazon, $7.03Tie-dye has made a resurgence: It's a socially distant (or virtual) activity that friends can enjoy together. They'll appreciate this affordable tie-dye kit that will provide them with enough dye for up to 12 projects. A gift card to a popular wine subscription club Winc Gift Card, available at Winc, from $60Winc is a personalized wine club — and we think the best one you can belong to overall. Members take a wine palate profile quiz and then choose from the personalized wine suggestions. Each bottle has extensive tasting notes and serving recommendations online, and makes it easy to discover similar bottles. Gift her a Winc gift card, and she can take a wine palate profile quiz and get started with her own customized suggestions.  A custom note with a surprise inside Greetabl/Business Insider Greetabl Gift Box, available at Greetabl, from $14Greetabl is one of the Insider Reviews team's favorite modes of checking in on those we love. The customizable box includes a fun print, a spot for a personal message, and the selection of a small gift like Sugarfina treats or quirky pins.  An upgrade to the classic travel pillow Amazon/Business Insider Trtl Pillow Super Soft Neck Support Travel Pillow, available at Amazon, $29.99One of the best gifts for frequent travelers is a genuinely supportive neck pillow. The super-soft fleece of the Trtl holds the neck and head in an ergonomic position during flight, and it's lightweight — weighing only about a half a pound — so it won't weigh them down too much. Read our full review of the pillow here. There's also a newer, slightly more expensive version that we like too.  A hilarious collection of Tinder exchanges that, altogether, become one modern horror story Amazon/Business Insider "Tinder Nightmares," available on Amazon, $14.95"Tinder Nightmares" is a modern horror story of Tinder exchanges organized by theme, with chapters such as Bad English, Broetry, Strange Requests, Sneak Attacks, and more. The Instagram account of the same name has nearly 2 million followers. But beware — like Tinder, this book is not for the faint of heart.  A set of the best socks they'll ever wear Bombas Women's Ankle Sock, 4-Pair Box, available at Bombas, $47.50Men's Original Ankle Sock, 4-Pair Box, available at Bombas, from $47.50Bombas' ankle socks have extra blister tabs to prevent chafing, a honeycomb arch-support system to cradle the foot's arch, and a seamless toe that gets rid of the annoying bump that runs across the toes of most socks.  A three-month subscription to the book club that put "Gone with the Wind" on the map Book of the Month Three Month Subscription, available at Book of the Month, $49.99This subscription gift was handcrafted for bookworms. Book of the Month has been around since 1926, and it's credited with the discovery of titles like "Gone with the Wind" and "Catcher in the Rye." A team of experts and celebrity guest judges curate must-read books — usually new releases, hot topics, and debut authors — and send them to the subscriber's doorstep.If they're more into audiobooks or e-reading, check out a gift subscription to Scribd (full review here). A makeup and skincare subscription Birchbox Three Month Subscription, available at Birchbox, $30-$45Birchbox is a skincare and makeup subscription that sends tons of samples of new and cult-favorite products so subscribers can find products they love without committing to buying full-sized anything in the meantime. It's also a monthly excuse for them to treat themselves. An insulated stainless steel water bottle that keeps drinks cold for up to 24 hours and hot for up to 6 hours Amazon Double Wall Vacuum Insulated Stainless Steel Travel Mug (12 oz), available at Amazon, from $24.44This double-wall, vacuum insulated stainless steel mug is especially perfect for commuters who would rather drink hot coffee than room-temperature for the 45 minutes on the subway — or any other time. We're big fans, and it does a pretty incredible job of keeping cold drinks cold for up to 24 hours and hot for up to six hours.  A gimmicky-seeming nail polish holder they'll actually wind up using Amazon/Business Insider Tweexy Wearable Nail Polish Holder, available on Amazon, $9.99Finding a convenient spot to place an open bottle of sticky, vibrant, and fast-drying liquid while you paint your nails is not easy. This $10 nail polish holder looks gimmicky, but it's actually pretty useful.  A funny adult coloring book Amazon Wine Life: A Snarky Adult Coloring Book, available at Amazon, $6.99Adult coloring has had a resurgence in recent years as a great de-stressor (even Kate Middleton is a fan). It turns out, though, that adult coloring is even more fun with adult beverages. Here's one that combines both.  A brass and wood display box that's a bit cooler than the average picture frame Artifact Uprising Brass & Wood Display Box, available at Artifact Uprising, $55Artifact Uprising's brass and hardwood Display Box is a bit more aesthetically pleasing than the traditional picture frame. They can showcase their favorite picture by sliding it into the front of the box, and the box itself can hold up to 50 five-inch by five-inch Square Prints inside.If you're just looking for prints, you can find those starting at $9 here. A silk pillowcase for smoother hair and less breakage Amazon Celestial Silk 100% Silk Pillowcase, available at Amazon, $40.99This Celestial Silk pillowcase is one of the internet's hidden gems. It's nearly $40 on Amazon, but it gives you more silk per square inch than options twice the price at Sephora. It's made out of 100% Mulberry silk — one of the highest quality silks you can buy — and comes in more than 25 colors and three sizes: standard, queen, and king. It's the one I personally own, and it makes a big difference for frizzy hair.  A poetry book that has become a phenomenon Urban Outfitters/Business Insider Milk and Honey, available at Target, from $7.38Rupi Kaur's "Milk and Honey" is a New York Times bestseller and a small cultural phenomenon. It's a collection of poetry and prose dealing with love, loss, femininity, and survival. If they already have this, you may want to look into Cleo Wade's "Where to Begin" here. A yoga mat towel with skid-less technology made by a trusted company Amazon Manduka Yogitoes Yoga Mat Towel, available at Amazon, from $45.39Manduka consistently makes some of the best yoga gear on the market, and their cult-favorite Yogitoes mat towels aren't an exception — they'd probably be the main response if you asked around yoga studios for a mat towel recommendation. They have patented skid-less technology that uses 100% silicone nubs, and it makes a big difference. Each Yogitoes towel is also made from at least eight recycled plastic water bottles, and the dyes used to make it are free of azo, lead, or heavy metal. A vitamin C serum developed by MIT scientists that keeps selling out Maelove Glow Maker, available at Maelove, $27.95Maelove is a skincare company founded by a team of MIT grads (skincare obsessives, brain and cancer researchers, and chemical engineers) to make affordable, high-quality skincare accessible. The entire under-$30 line is supposedly great, but this $28 vitamin C serum (which people have likened to the multi-award-winning $166 C E Ferulic Serum) is the real showstopper — and it keeps selling out. I've tried it, and it does a great job of reducing hyperpigmentation, hydrating, and adding a "glow" to the skin.Read our full Maelove review here.  A monogrammed leather passport case Leatherology Standard Passport Cover, available at Leatherology, from $50For the world traveler, adventure companion, or person who has a lot of places left to see before they're satisfied, this leather passport cover is one of the best mixes of quality for price you're bound to find. You can also personalize your gift further with a monogram (starting as an extra $10). Every time they use it, they'll think of you.  A design service that can help them figure out their decor or new apartment layout Modsy Premium Package, available at Modsy, $159Whether they're moving, always talking about redecorating, or would love a gallery wall but don't want to expend the necessary brain power, they'll appreciate a Modsy gift. The service makes an exact 3D, digital replica of their room and fills it with actual pieces of furniture from well-known brands that they can buy on the spot. A super soft $75 cashmere sweater from a sustainable startup Naadam The Essential Cashmere Sweater, available at Naadam, $75This $75 cashmere sweater is one of the best I've worn, and it took me by surprise for $75. You can get it in either crew-neck or v-neck styles, unisex sizing, and 20 colors. In person, the cashmere is one of the softest I've felt.Plus, Naadam is a sustainable startup. They avoid toxic chemicals, invest in sustainable grazing practices, fund better vaccination programs for healthier goats, and use 100% clean energy to power production facilities. By cutting out middlemen, they pay nomadic herders about 50% more and charge about 50% less to customers without changing quality. A new book by the co-creator of "Broad City" Amazon/Business Insider I Might Regret This: Essays, Drawings, Vulnerabilities, and Other Stuff, available at Amazon, $10.64This book by Abbi Jacobson, co-creator of "Broad City", deals with love, loss, work, comedy, and identity.  A soft, durable pair of slippers they'll want to live in Nordstrom UGG Ansley Water Resistant Slipper, available at Nordstrom, from $99.95They're not a new name, but UGG slippers have stuck around for a very good reason: they're incredibly soft, durable, and made really well. The sole is sturdy enough to withstand walks to the mailbox, and the water-resistant material can take a little gross winter slush on the way there.If you're looking for a cheaper alternative, check out Minnetonka — we're big fans of their mix of price and quality, too. An award-winning at-home facial Sephora Drunk Elephant T.L.C. Sukari Babyfacial, available at Sephora, $80This now-legendary AHA and BHA at-home "facial" gently resurfaces the skin to remove built-up dead skin cells and reveal brighter, more even skin underneath. It's also won multiple notable beauty awards, including a Best of Beauty from Allure and Reader's Choice from InStyle in 2017. For more skincare products, check out the best luxury skincare on Amazon and best gifts from Sephora here. Popular leggings they can wear anywhere Outdoor Voices Outdoor Voices Core 3/4 Leggings, available at Outdoor Voices, $88It seems like everyone and their best friend is talking about Outdoor Voices leggings, and these are the company's most sweat-friendly option.  A card game to play with other friends to rehash favorite stories and learn some new ones Amazon/Business Insider The Voting Game Adult Card Game, available at Target, $19.99The Voting Game is basically a card game that gives you a funny prompt and invites you to anonymously answer "Who's the most likely to..." out of your friends. It's a great way to rehash your favorite memories and learn new stories. A vase and smartphone stand handmade from glazed stoneware Uncommon Goods Bedside Smartphone Vase, available at Uncommon Goods, $32These smartphone stands are handmade out of glazed stoneware, and they double as vases so their owner can have the benefit of convenience without totally giving into the sterility of tons of tech devices. A mug with a "coffee reading" tarot-inspired theme Society6/Business Insider Coffee Reading, available at Society6, $13.59Perfect for the avid coffee drinker or casual fan of the occult, this ceramic mug made by the independent artists of Society6 is a fun — and useful — gift. They've also got pretty much every mug pattern you could want. A cocktail recipe book that pairs music with good drinks Amazon/Business Insider Booze & Vinyl: A Spirited Guide to Great Music and Mixed Drinks, available at Amazon, $21.99Have a friend that loves music and a nice cocktail? This pairs both for a perfect combination every time. The guide includes music from 70 albums, ranging from the '50s to the '00s, with an accompanying A-side and B-side cocktail for each — all organized by mood.  A tiny waffle maker Amazon/Business Insider Dash Mini Waffle Maker, available at Target, $12.99This mini waffle maker may seem more gimmick than substance, but it didn't garner 1,800+ reviews just for being pretty cute. It's compact for small kitchens and people who only want to make three waffles rather than buffet quantities, and it's really easy to clean. A screw-on top that turns a wine bottle into a glass Amazon/Business Insider Guzzle Buddy Wine Bottle Glass, available on Amazon, $15.06If they're more of a "one bottle per person" vino drinker, why not cut out the middleman with this twist-on bottle-to-glass helper?  The personal diary of icon Frida Kahlo Amazon "The Diary of Friday Kahlo: An Intimate Self-Portrait", available at Amazon, $21.94In the last 10 years of her life, Friday Kahlo kept a journal full of thoughts, poems, illustrations, and dreams. This is it, and it's a particularly perfect gift for an artistic or feminist friend.  Machine-washable sneakers they'll wear all the time Allbirds Wool Runners, available at Allbirds, $98Soft, lightweight, breathable shoes that wick away moisture and can be tossed in a machine washer when they get dirty — what's not to love?  A guard to keep away hot, messy splatter Amazon/Business Insider Frywall 10 Splatter Guard, available at Sur La Table, $13.99A splatter guard gives you the benefit of an uncovered pan, minus the countertop cleaning and dodging of hot, popping oil. An elegant, unobtrusive diffuser that smells great Snowe Diffuser, available at Snowe, $40Snowe's Diffuser has the advantage of looking more like home decor than a diffuser, but it also fills the room with a wonderful smell. Plus, the bottles of scent tend to last for months. Pick it up for a friend in five scent options that range from Speak Easy (leather, bitters, burnt cedar) to Pillow Talk (sandalwood, ginger, lavender).  A beautiful candle that smells amazing Otherland Manor House Weekend Candle, available at Otherland, $36Otherland is a candle company started by Ralph Lauren's former art buyer, Abigail Cook Stone. If you want to give your friend a candle that burns for 55 hours, looks beautiful, and comes from an up-and-coming startup that they've probably seen (or coveted) before, this is a great option.Read our full Otherland review here. A Tile with a replaceable battery to help them find missing keys and wallets Amazon Tile Pro with Replaceable Battery, 2 Pack, available at Target, $59.99Few gifts are going to be as useful as a Tile Pro with a replaceable battery. It'll help them find missing items like keys and wallets. An app on their phone can trigger the Tile to ring out so they can locate where they accidentally left their belongings.  A rechargeable battery Amazon Anker PowerCore 10000, available at Amazon, $31.99Anker's PowerCore is a powerful, compact external battery that can provide nearly three and a half iPhone 8 charges or two and a half Galaxy S8 charges.  Luxurious bodycare products Necessarie Nécessaire The Body Wash, available at Sephora, $25Nécessaire is a new line of bodycare products that use vitamins and plant-based oils. It was founded by Randi Christiansen, a former Estée Lauder vice president, and Nick Axelrod, a co-founder of Into the Gloss, the editorial site that preceded Glossier. Read our full Nécessaire review here. A cute plant in a ceramic pot delivered to their door The Sill Shop plants and accessories at The Sill, from $5A plant from The Sill will come in a small ceramic pot with a drainage hole and its own saucer. It comes potted in the company's potting mix and will be delivered to their doorstep.  A renewing honey mask that warms up while it's on their face Sephora Honey Potion Renewing Antioxidant Hydration Mask, available at Sephora, from $38This intensely hydrating mask from beauty brand Farmacy is infused with antioxidants to leave the skin looking glowy and plump. It also physically warms up while on the face, so the self care feels a bit more tangible.  A subscription to K-beauty sheet masks Facetory/Instagram/Business Insider Facetory Gift Subscription Plan, available at Facetory, from $19.90Facetory is an affordable monthly subscription to various K-beauty sheet masks. You can opt to pay for one, three, six, nine, or 12 months at a time.  A cult-favorite sleeping lip mask Sephora Laneige Lip Sleeping Mask, available at Sephora, $22Laneige's hyper-popular overnight lip mask smooths and moisturizes with vitamin C and antioxidants. Currently, it has over 13,000 reviews and a rating of 4.4-stars on Sephora.  A pretty leather wrap for taking chargers and cables on the go Mark & Graham Leather Charger Roll Up, available at Mark & Graham, from $22.99Mark & Graham's Leather Charger Roll Up is made from soft, supple leather and has three separate pockets to stash cables and chargers on the go. Get it monogrammed for free. A box of gourmet artisan milk and dark chocolate Amazon Chuao Chocolatier Share the Love 36-Piece Gift Set, available at Amazon, $39.95A box stuffed full of chocolate needs no introduction, but this one is a pretty good deal. The box comes with 36 mini bars of gourmet artisan milk and dark chocolate, all made in small batches and free of artificial flavors. The 14 flavors range from sweet to savory, and each bar is only 60 calories.  A ClassPass gift card Class Pass Gift Card, available at ClassPass, choose your amountStart heading to more (virtual or socially distant) boutique fitness classes with your friend by making them easier and cheaper to attend. ClassPass lets you drop in to different specialized studios for $15 or less per class. A class or experience for you to take together Airbnb Experiences Check out local Airbnb ExperiencesCheck out local GrouponsOnce it's safe to do so, book an experience like a pasta-making class, brewery tour, or local tour that the two of you can enjoy together. Plus, you can buy this gift as last-minute as you like. Read the original article on Business Insider.....»»

Category: topSource: businessinsiderOct 6th, 2021

The self-care habits of successful entrepreneurs who book 6 figures and raise millions in venture capital

More and more entrepreneurs are prioritizing self-care so they can keep up with their all-consuming, pressure-filled lifestyles. Nikkie Pryce is a self published author.Avalon Fotography Self-care is an important part of keeping up with the all-consuming lifestyle of an entrepreneur. A 2018 study found that entrepreneurs were more likely than others to self-report mental illnesses. Founders of six-figure companies told Insider how they prioritize themselves. Running a company often demands early mornings and late nights and doesn't leave much free time.Self-care is an important part of keeping up with the all-consuming, pressure-filled lifestyle of a founder. A study published in the journal Small Business Economics in 2018 found that entrepreneurs were more likely than a control group to self-report mental illnesses such as depression and bipolar disorder.Insider regularly talks with entrepreneurs about how they organize their days to balance their many responsibilities while making time for self-care. Here are the habits they've formed to unwind, boost their productivity, and stay physically and mentally healthy.Dominic-Madori Davis contributed to this article.Nikkie Pryce meditates and takes herself to a restaurantNikkie Pryce.Avalon FotographyNikkie Pryce is a self-published author and speaker in Fort Lauderdale, Florida, who coaches women to write their own books. In 2021 her company generated $124,000 in revenue.She previously told Insider that she uses meditation apps to calm her thoughts when she wakes up in the morning and before she goes to bed.She also puts her phone on "do not disturb" mode until 9 a.m. and won't answer messages or emails unless they're urgent. "My assistant knows I'm not taking calls, because I really need time to pour into myself before I pour into everybody else," she said.Pryce also likes to take herself to a restaurant or go shopping to unwind. "I will put on my AirPods and go to Target for detergent and walk out with a whole jogging suit and some wall decor," she said. "But it's so therapeutic for me."Jackie Nguyen likes a shopping trip to calm her mindJackie Nguyen.Courtesy of Jackie NguyenJackie Nguyen is the owner of Cafe Cà Phê, a Vietnamese coffee truck in Kansas City, Missouri. Her business had made more than $186,000 in sales by September.She previously told Insider that she's usually too busy to eat when she wakes up at 6 a.m. but that she'll sometimes grab a granola bar or banana.On Wednesdays she has an hour of therapy. Mondays and Tuesdays are her days off from work. One of her favorite things to do is walk around Target or TJ Maxx with her headphones in. She'll call a friend or listen to music and grab a smoothie."It's my little me time," she said. "If I sit at home, I'm tempted to work or clean."Sharmadean Reid manages burnout with nature and a bookSharmadean Reid.Sharmadean ReidSharmadean Reid is the founder of the women-centric financial publication The Stack World. She's raised nearly £4 million in funding and amassed almost 1,000 paying members since its launch last March.Reid previously told Insider that she manages burnout by driving to the English countryside to spend time in nature and read a book on philosophy."The main thing is reconnecting with my life's purpose," she said. "If you know you're doing something for something bigger than you, it helps you stay aligned and motivated."Jackie Dubois took time away from social media to focus on her mental healthJackie Dubois.Courtesy of DuboisJackie Dubois is a painter and former TikTok creator who's booked six figures' worth of sales by selling her paintings and prints online.She previously told Insider that she became overwhelmed by the pressure to post on social media and take strangers' feedback, so she stopped sharing for her well-being."Our brains are not meant to handle so much stimulation, input, and commentary from millions of strangers on the internet," Dubois said. "It can be really crushing to see this huge high, to have a good response, followed by a huge low."Olivia Landau starts her mornings by working out and watering her plantsOlivia Landau.The Clear CutOlivia Landau is the cofounder of The Clear Cut, an engagement-ring and diamond-jewelry business. In 2021 her company averaged $1 million in monthly sales.Every weekday morning Landau does a Peloton or Sculpt Society workout for 30 to 45 minutes. While she's cooling down she waters her plants on her apartment terrace.At night she likes to cook dinner, and in the summer she and her husband grill outside. "I'll try new recipes all the time because that's kind of my way of decompressing for the day," she previously told Insider.Ginni Saraswati practices gratitude and meditationGinni Saraswati.Courtesy of Ginni SaraswatiGinni Saraswati is the founder of Ginni Media, a podcasting company that made $500,000 in revenue in 2020.Saraswati told Insider that every morning she writes down what she's grateful for and meditates. Then she walks four blocks to the gym, where she does strength training and cardio for about 30 minutes. On Thursdays she does boxing.At night before bed she likes to light a candle, use a foot massager, put on a face mask, and read a book. Some nights she listens to her meditation app or a MasterClass. "I love learning, so I'll listen to an audiobook or podcast," she said.Ciara Imani May relaxes at night by checking in with loved ones and watching TVRebundle CoFounders, Danielle Washington (left) and Ciara Imani May (right)Curtis Taylor, Jr.Ciara Imani May is the cofounder of Rebundle, a company that sells plant-based synthetic braiding hair. Last year, May raised a $1.4 million pre-seed. May told Insider she finishes work around 5 p.m. and focuses on her personal life. She'll start by checking in with her friends and family before spending time with her dog. Then, before bed, she watches a drama show and sitcom to help keep her mind off work. "I enjoy the perfect balance of comedy and crime," she said.  Kelly O'Sullivan McKenna cooks dinner and takes nighttime walksKelly O'Sullivan McKenna.Kelly O'Sullivan McKennaKelly O'Sullivan McKenna has her own private therapy practice Sit With Kelly that she started in February 2021 after working in the mental-health industry for almost six years. Last year, her company booked $250,000 in revenue. She previously told Insider that she schedules her work days to best manage her anxiety, which has worked so far. She only sees clients on Mondays, Tuesdays, and Thursdays and handles adminstrative tasks on other two days. She prioritizes breaks while working, taking time out of her schedule to cook breakfast and lunch and go for an afternoon walk.McKenna also relaxes by cooking dinner with her husband after finishing work at 5 p.m. She says she loves to also go on a nighttake walk, or watch tv to wind down.There's always going to be more you can do. It's about recognizing that where you are right now is good enough, even if you want to grow," she said.  Read the original article on Business Insider.....»»

Category: topSource: businessinsiderMay 18th, 2022

The Bizarre, Unanimous Dem Support For The $40b War Package To Raytheon And CIA: "For Ukraine"

The Bizarre, Unanimous Dem Support For The $40b War Package To Raytheon And CIA: "For Ukraine" Authored by Glenn Greenwald via greenwald.substack.com, After Joe Biden announced his extraordinary request for $33 billion more for the war in Ukraine — on top of the $14 billion the U.S. has already spent just ten weeks into this war — congressional leaders of both parties immediately decided the amount was insufficient. They arbitrarily increased the amount by $7 billion to a total of $40 billion, then fast-tracked the bill for immediate approval. As we reported on Tuesday night, the House overwhelmingly voted to approve the bill by a vote of 388-57. All fifty-seven NO votes came from Republican House members. Except for two missing members, all House Democrats — every last one, including all six members of the revolutionary, subversive Squad — voted for this gigantic war package, one of the largest the U.S. has spent at once in decades. U.S. Rep. Alexandria Ocasio-Cortez (D-NY) speaks to a group of supporters during a rally at the U.S. Capitol on August 03, 2021 in Washington, DC. (Photo by Kevin Dietsch/Getty Images) While a small portion of these funds will go to humanitarian aid for Ukraine, the vast majority will go into the coffers of weapons manufacturers such as Raytheon, Lockheed Martin, Boeing and the usual suspects. Some of it will go to the CIA for unspecified reasons. The extreme speed with which this was all approved means there is little to no oversight over how the funds will be spent, who will profit and how much, and what the effects will be for Ukraine and the world. To put this $54 billion amount in perspective, it is (a) larger than the average annual amount that the U.S. spent on its own war in Afghanistan ($46 billion), (b) close to the overall amount Russia spends on its entire military for the year ($69 billion), (c) close to 7% of the overall U.S. military budget, by far the largest in the world ($778 billion), and (d) certain to be far, far higher — easily into the hundreds of billions of dollars and likely the trillion dollar level — given that U.S. officials insist that this war will last not months but years, and that it will stand with Ukraine until the bitter end. Voice of America, Apr. 6, 2022 What made this Democratic Party unanimity so bizarre, even surreal, is that many of these House Democrats who voted YES have spent years vehemently denouncing exactly these types of war expenditures. Some of them — very recently — even expressed specific opposition to pouring large amounts of U.S. money and weaponry into Ukraine on the grounds that doing so would be unprecedentedly dangerous, and that Americans are suffering far too severely at home to justify such massive amounts to weapons manufacturers and intelligence agencies. Here, for instance, is the shocking-in-hindsight warning of Rep. Ilhan Omar (D-MN) on March 8 — just two months before she voted YES on this $40 billion weapons package: Just as stridently, her progressive House Democratic colleague, Rep. Ro Khanna (D-CA), appeared on Democracy Now on February 8 to discuss the imminent Russian invasion of Ukraine, and he explicitly and repeatedly demanded that no lethal arms be sent by the U.S. into Ukraine. Indeed, Khanna, while repeatedly denouncing Putin's aggression, heaped praise on former President Obama for long resisting bipartisan demands to send lethal arms to Ukraine — based on Obama's oft-stated belief that Ukraine is and always will be a vital interest to Russia, but will never be to the U.S. — and argued that such a move would be dangerously escalatory: I certainly join [House progressives] in the concerns of having increased aid, lethal aid, into that area. That will only inflame the situation. I also join them in the concern that we need restraint, that the last thing the American people want is an escalation which could lead us to some long war in Ukraine with Russia, that that’s a very dangerous situation, and no one in this country — or, very few people in this country would want that. There’s a reason President Obama didn’t send lethal aid into Ukraine and had a greater restraint in his approach. So, I do think we should do everything possible not to escalate the situation, while having the moral clarity that Putin is in the wrong in this case…. The arguments Khanna was endorsing from House progressive leaders came in the form of a January 26 press release from co-caucus-leaders Reps. Barbara Lee (D-CA) and Pramila Jayapal (D-WA). The progressive duo argued: “There is no military solution out of this crisis — diplomacy needs to be the focus.” Then they added this: “We have significant concerns that new troop deployments, sweeping and indiscriminate sanctions, and a flood of hundreds of millions of dollars in lethal weapons will only raise tensions and increase the chance of miscalculation. Russia’s strategy is to inflame tensions; the United States and NATO must not play into this strategy.” Just over three months later, both Lee and Jayapal voted not for a "flood of hundreds of millions of dollars in lethal weapons,” but to flood Ukraine with tens of billions of dollars in lethal weapons. One would think that when a member of Congress engages in such a remarkable and radical shift in their position, they would at least deign to provide some explanation for why they did so. In the case of the Squad and dozens of House progressives, one would be very wrong. On Friday morning, I emailed and/or texted the press representatives of the five Squad members who have said nothing about their vote (only Rep. Cori Bush (D-MO), in a doozy of a statement discussed below, bothered to explain), and directly texted both Omar and Khanna. Other reporters also have requested statements. More than seventy-two hours after they cast this enormously consequential war vote, they still have refused to explain themselves or even issue a cursory statement as to why they supported this (see update below). This vote, and their silence about it, is particularly confounding — one could, without hyperbole, even say chilling — given how rapidly Democrats’ rhetoric about Ukraine is escalating. As we noted on Tuesday, many leading Democrats, such as Rep. Jason Crow (D-CO), have begun speaking about this war not only as an American proxy war — which it has long been — but as “our war” that we must fight to the end in order for “victory” to be ours, while Sen. Lindsey Graham (R-SC) vows that there be “no off ramps” to end the war diplomatically, since the real goal of the war is regime change in Moscow. Even worse, the eighty-two-year-old House Democratic Majority Leader Steny Hoyer (D-MD), now in his twentieth term in Congress, went to the House floor on Friday to twice say that "we are at war” — meaning the U.S is now at war with Russia — and that it is therefore inappropriate to heavily criticize our president: As the Bulletin of Atomic Scientists has spent decades pointing out, there is nothing more dangerous to humanity than a war between the two nations with the planet's largest nuclear stockpiles. One might think that those who just voted to dangerously escalate such a war would at least deign to explain themselves, especially those who have repeatedly made recent statements violently at odds with the YES vote they just cast. Even Sen. Bernie Sanders (I-VT), who has thus far said nothing about this House vote, warned in The Guardian in early February, that while Putin is immoral and tyrannical, the West bears some blame for provoking this war with reckless NATO expansion and, more importantly, warned of the grave and unpredictable dangers of having the U.S. pursue a strategy of fueling the war rather than trying to solve it diplomatically. So exceptional is this headlong rush into this war that even The New York Times — usually loyally supportive of U.S. war policies and the Democratic establishment — published a highly unusual news article about the House vote which repeatedly and harshly criticized Congress for being too frightened to ask questions or express skepticism about Biden's war policy. The NYT took the members of Congress voting YES in both parties to task for being cowed into submission, meekly falling into line. The headline of the article told the story — “House Passes $40 Billion More in Ukraine Aid, With Few Questions Asked" — as the Paper of Record all but called these YES-voting members of Congress cowards and abdicators: The escalating brutality of the war in Ukraine has dampened voices on both the right and left skeptical of the United States’ involving itself in armed conflict overseas, fueling a rush by Congress to pour huge amounts of money into a potentially lengthy and costly offensive against Russia with few questions or reservations raised….[L]awmakers in both political parties who have previously railed against skyrocketing military budgets and entanglements in intractable conflicts abroad have gone largely silent about what is fast becoming a major military effort drawing on American resources…. That total — roughly $53 billion over two months — goes beyond what President Biden requested and is poised to amount to the largest foreign aid package to move through Congress in at least two decades….But stunned by the grisly images from Ukraine and leery of turning their backs on a country whose suffering has been on vivid display for the world, many lawmakers have put aside their skepticism and quietly agreed to the sprawling tranches of aid, keeping to themselves their concerns about the war and questions about the Biden administration’s strategy for American involvement….. And as Mr. Biden’s requests to Congress for money to fund the war effort have spiraled upward, leaders in both parties have largely refrained from questioning them…..The result has been that, at least for now, Congress is quickly and nearly unanimously embracing historic tranches of foreign aid with little public debate about the Biden administration’s strategy, whether the volume of military assistance could escalate the conflict, or whether domestic priorities are being pushed aside to accommodate the huge expenditures overseas. Perhaps the most remarkable part of this surreal episode is the statement issued by Rep. Bush, ostensibly explaining and justifying her YES vote. If you are able to discern some sort of cogent explanation from this statement, it means that you have better reading skills than I. While Rep. Bush at least deserves credit for bothering to try to explain her vote — in contrast to her fellow Squad members who have thus far refused to do so — by far the clearest and most significant part of what she says are her admissions of the horrible and dangerous parts of this bill, for which she just voted YES. Behold these admissions: Additionally, at $40 billion, this is an extraordinary amount of military assistance, a large percentage of which will go directly to private defense contractors. In the last year alone, the United States will have provided Ukraine with more military aid than any country in the last two decades, and twice as much military assistance as the yearly cost of war in Afghanistan, even when American troops were on the ground. The sheer size of the package given an already inflated Pentagon budget should not go without critique.  I remain concerned about the increased risks of direct war and the potential for direct military confrontation.  Imagine saying this about a bill — recognizing how wasteful and dangerous it is — and then snapping into line behind Nancy Pelosi and voting for it anyway to ensure Democratic Party unanimity in support of this war. Credit to Rep. Bush for candor, I suppose. One person whose name has not yet appeared in this article is Rep. Alexandria Ocasio-Cortez (D-NY). That is because we published on Wednesday a comprehensive video report on Rumble, documenting how AOC's YES vote on this war package so violently contradicts virtually everything she has ever claimed to believe about questions of war, militarism and military spending. AOC, needless to say, has not bothered to reconcile this vote with the drastically divergent body of statements she has uttered her entire adult life because her blind followers do not demand anything of her, let alone explanations for why she does what she does (which is why she knew she could, in the middle of the COVID pandemic, attend the Met Gala — the nation's most gluttonous celebration of capitalist excess and celebrity culture — and attended to indoors by a team of masked servants while she and her boyfriend remained comfortably and glamorously unmasked, and then show total contempt for her fans by hilariously spray-painting a banal, inoffensive phrase on the back of her designer gown, knowing this would make them not only accept her behavior but celebrate her heroic subversiveness). The full video about how the Squad and AOC just permanently killed whatever was left of the U.S. left-wing anti-war movement can be seen on our Rumble page, or watched on the video player below. A full transcript of that video appears below for subscribers only. Only two months ago, those who observed that this was not a war between Russia and Ukraine, but really a proxy war between Russia and the U.S./NATO, were vilified as Kremlin propagandists. Now, U.S. leaders openly boast of this fact, and go further, claiming that the U.S. is actually at war with Russia and must secure full victory. That there is not a single Democratic politician willing to object to or even question any of this speaks volumes about what that party is, as well how dangerous this war has become for Americans and the world generally. UPDATE, Mar. 14, 2022, 6:56 a.m. ET: Rep. Khanna provided the following comment in response to our question of how he can reconcile his argument in his February 8 Democracy Now interview that the U.S. should not send lethal arms to Ukraine with his vote on Monday to send lethal arms: I wanted to do everything we could to prevent conflict through diplomacy and so did not want to escalate prior to invasion. But once Putin invaded and has been barbarically destroying towns and cities, I believe it is morally justified to stand firmly with Ukraine in defense of their territory and provide them with military and economic assistance. We at the same time need to be aggressively encouraging diplomatic talks and a ceasefire and enlisting countries who can play a mediating role to help us bring this brutal war to an end. Note that the assumption of that entire was interview was that Russia would invade Ukraine. Indeed, the first question to which Rep. Khanna responded, when arguing that the U.S. should not send lethal aid to Ukraine, was this one: “And do you support the threat of devastating sanctions against Russia in the event of any kind of Russian invasion of Ukraine?” Nonetheless, in contrast to many of his House colleagues, at least he is willing to account for the vote he cast. We will add any further comments in response to our requests for comment if and when we receive them. To support the independent journalism we are doing here, please subscribe, obtain a gift subscription for others and/or share the article Tyler Durden Sat, 05/14/2022 - 11:30.....»»

Category: smallbizSource: nytMay 14th, 2022

23 practical, thoughtful gifts for law school graduates

Law school graduates have spent years earning their JD. Get them a graduation gift that celebrates that success. Prices are accurate at the time of publication.When you buy through our links, Insider may earn an affiliate commission. Learn more.Law school graduates have spent years earning their JD. Get them a graduation gift that celebrates that success.Crystal Cox/Insider; EtsyEarning a JD requires years of schooling and countless nights in the library, poring over books on topics like constitutional law and legal research. At the end of it all, law school graduates earn their diplomas and then prepare for a 12-hour bar exam.In other words, JDs deserve quite a bit of celebration. If you want to commemorate your law school graduate's big achievement (or help alleviate discomfort in their next chapter), you'll find 23 thoughtful gifts for law school graduates below. The 23 best law school graduation gifts in 2022:A nice bottle of Champagne delivered to their doorstepCrystal Cox/Business InsiderGift a bottle of Veuve Clicquot Brut Champagne, available at Drizly, $62.70Send them a nice bottle of bubbly to celebrate an achievement that took them years spent in the library to accomplish.A custom mini graduation gown to put over said bottle of bubblyEtsyGift a customized Cap & Gown Bottle Cover, available at Etsy, $27.95 Celebrate the occasion with a tiny graduation gown to slip over the wine you'll use to toast them later. The gift is personalized, so you'll include details like the school name, school colors, and hood colors in your order description.Nice noise-canceling headphonesAntonio Villas-Boas/Business InsiderGift a pair of Sony WH-1000XM4 Headphones, available at Amazon, Best Buy, and Target, from $348Our favorite noise-canceling headphones, Sony's WH-1000XM4, offer a perfect blend of great sound quality, A+ noise cancellation, and comfort. It makes them perfect for long commutes, focusing in noisy work spaces, or just relaxing.They're also one of the items featured in our list of the All-Time Best products we've tested.Our most recommended French pressOwen Burke/InsiderGift the Bodum Chambord French Press, $25.99, available at AmazonIf their law career requires late nights and early mornings, they'll probably appreciate a good cup of coffee. We love the Bodum Chambord French Press; it's timeless, easy to operate, and entirely unfussy. Best part? It's also affordable.You can find all our favorite French presses here (though this is our number one pick).A funny, thoughtful cardEtsyGift the "See You Later Litigator" card, available at Etsy, $4Anyone can pick up a card from a nearby drugstore. But law school graduation is a unique occasion that doesn't happen often — and your graduate will probably appreciate something picked out in advance for the big day.If they're really more of an Elle Woods fan, try this one instead. A gift card for ordering takeoutThe GrubHub logo seen displayed on a smartphone.Igor Golovniov/SOPA Images/LightRocket via Getty ImagesGift a GrubHub gift card, available at GrubHub from $10They may not have the energy to cook every night after work. Get them a gift card for the impending evenings in which takeout feels essential. An alarm clock that mimics the sunriseSuzy Hernandez/InsiderGift a Hatch Restore Sunrise Alarm Clock, available at Amazon, Target, and Nordstrom, $129.99A pleasant alarm clock can help weekday mornings — whenever they begin — feel markedly less abrupt. This one functions as a sound machine, reading light, and gentle alarm. They can control the color of the light, brightness, sound, and volume.A luxe folio they'll own for yearsLeatherologyGift the Leatherology Deluxe Folio, available at Leatherology, $150This Deluxe Folio is made in full-grain leather, has smart organization and storage, and fits a standard letter pad. It'll come gift-wrapped, and you can have it monogrammed for $10 more, too.A beautiful bouquetUrbanStemsGift a bouquet of flowers, available at UrbanStems, from $40Send flowers if you can't be there in person, or if you're supplementing a digital gift like a gift card. We're fans of UrbanStems; its bouquets are one of the best things we've ever tested. If you're looking for something that won't be gone after a couple of weeks, you'll also find options for potted plants and low-maintenance dried bouquets.Ruth Bader Ginsburg's memoirAmazonGift "My Own Words" by Ruth Bader Ginsburg, available at Amazon and Bookshop, from $10.56If Supreme Court Justice Ruth Bader Ginsburg is the reason they went into law in the first place, commemorate their achievement with the gift of her memoir. In it, RBG writes about her fascinating life as one of the most influential voices in law, from her thoughts on gender equality to the interpretation of the US Constitution.A sleek smart mug that keeps their drinks hotAmazonGift an Ember Temperature Control Smart Mug, available at Amazon, $149.95This mug will control the temperature of their coffee or tea, so they won't have to reheat or dump it out every few hours. A former teammate called the Ember "life-changing." If you're looking for a travel version, the brand has those, too.A gift card to keep them activeClassPassGift a ClassPass gift card, available at ClassPass, any amountNo matter what their work schedule looks like, it's important that your law school graduate still gets healthy exercise. Lower the barrier to entry and gift them a ClassPass gift card. With it, they can try tons of boutique fitness classes in their area. And if they really need to unwind, they can use their credits for relaxing meditations and spa treatments.A gift card for professional clothingNordstromGift a Nordstrom gift card, available at Nordstrom, from $5They may need a nice blazer or a new pair of slacks, but they probably don't want to spend their own money on them. You can also opt for gift cards from stores like J.Crew, Everlane, and Bonobos if that's more their style.A reliable, convenient suitcaseAwayGift the Away Carry-On, available at Away, $275If their future includes travel, an excellent suitcase is something they may not want to splurge on for themselves but will no doubt use for many years.For convenience, cost, and performance, check out Away. The buzzy luggage has an ejectable external battery that charges devices easily on the go, 360-degree wheels for no-hassle travel, and weighs only 7.6 pounds. Read our full review of Away suitcases here.A smart reusable notebookAmazonGift the Rocketbook Smart Reusable Notebook, available at Amazon, $28.97If they go through notebook after notebook, this reusable option offers a long-lasting solution. Your graduate can use the included pen to take notes, scan each page with an accompanying app to save the pages digitally, and then wipe away the notes to use the same page over and over again.An excellent, personalized coffee subscriptionTrade Coffee CompanyGift a Trade coffee subscription, available at Trade, from $40If they like a great cup of coffee, they'll enjoy Trade. The coffee subscription service has a huge variety of coffee, and it's easy to customize based on their tastes. We ranked it as the best coffee subscription service you can join.If they're more of a tea drinker, we'd also recommend checking out an Atlas Tea Club subscription.A framed photo of their friends or familyFramebridgeGift a framed photo, available at Framebridge, from $45Most of us appreciate some nostalgia; frame a photo of the graduate's friends or some of their favorite memories from law school.Lucky pencils for the bar examEtsyGift the Lucky Bar Exam Pencil Set, available at Etsy, $12Give them a little extra boost of luck for the impending bar exam. Personalized stationery with the Scales of JusticeEtsyGift a personalized Scales of Justice notepad, available at Etsy, from $20Put their achievements in writing on personalized stationery, decorated with the Scales of Justice, which represent impartiality in the profession.Groceries delivered to their doorInstacartGift an Instacart gift card, available at Instacart, from $25Starting a new chapter can be exhausting, and they may be pulling long hours in the office. If you're after convenience, give them a gift card for Instacart (our top pick for online grocery services) to have their groceries delivered to their door.Apple AirPods Pro for when they're on the moveCrystal Cox/InsiderGift a pair of Apple AirPods Pro, available at Amazon, Best Buy, and Target, from $174.99We love Apple's AirPods Pro for Apple users. They're no-hassle, work with Apple products, have decent sound and noise cancellation, are water-resistant, come with a wireless charging case, and feel more comfortable than standard AirPods.You'll find more wireless earbuds we love here.A nice business card holderLeatherologyGift the Leatherology Business Card Case, available at Leatherology, $45Wherever they land will likely have business cards, and this is a beautifully polished place to hold them. You can even get the holder monogrammed, and it'll arrive in a gift box.A gift card for the nights when they'd rather Uber homeReutersGift an Uber gift card, available at Amazon, from $25Unless they're driving themselves to work every single day, your law school grad will probably enjoy the foresight of an Uber gift card after a few long nights at the office.Read the original article on Business Insider.....»»

Category: personnelSource: nytMay 12th, 2022

The ‘Nuclear Arms Race’ of Office Exclusives

Open competition is inherent to a free market—or so they say. One of the hallmarks of the real estate industry is the transparency of the landscape. MLS data must be made available (to everyone who pays) and consumers ostensibly can view every available house, with sellers marketing to every buyer, and buyers able to peruse… The post The ‘Nuclear Arms Race’ of Office Exclusives appeared first on RISMedia. Open competition is inherent to a free market—or so they say. One of the hallmarks of the real estate industry is the transparency of the landscape. MLS data must be made available (to everyone who pays) and consumers ostensibly can view every available house, with sellers marketing to every buyer, and buyers able to peruse every available home. Consumers also freely choose their agents based on whoever they think will best serve their needs, and (hopefully) for no other reason. But why the caveats? What is keeping the industry from reaching a maximum level of open, fair competition—or will there always be exceptions, limitations and privileges in the market? One of these exceptions that agents and brokers have seemingly become comfortable with is the so-called “office exclusive” listing. In 2020, a policy called “Clear Cooperation” sought to curtail the long-standing practice of “pocket listings,” which the National Association of REALTORS® (NAR) has defined as “a listing in which an agent has a listing agreement and the seller does not authorize the placement of the listing on the MLS.” Those are now banned, at least by NAR members. But while Clear Cooperation requires all REALTORS® to list a property widely on the MLS within one business day of marketing it publicly, an exception was explicitly carved out for listings that are marketed, but not publicly—properties that are kept within the same brokerage or office. The purpose, according to NAR, was to allow consumers who need privacy for whatever reason to still sell a home without attracting unwanted attention. In today’s market especially, however, this ability to protect and shield listings from the broader public has come under increased scrutiny. It has also fallen in the shadow of a handful of lawsuits that have accused NAR and big brokerages of anticompetitive practices. But as it stands right now, is the office exclusive a great tool for a savvy agent and a specific consumer? Or is it a loophole that is allowing big companies to eat up market share at the expense of both agents and consumers? Denee Evans, the CEO of the Council of Multiple Listing Services (CMLS), a collection of more than 200 MLSs which advocates for an organizes around industry issues, tells RISMedia that at the highest level, keeping listings on the MLS provides a “transparent, accurate and pro-competitive marketplace” for the industry. “It’s not just consumers, it’s agents,” she says. “If we as an industry…are not sharing the most listings with the most amount of people, I think it’s negative.” Mutually assured destruction Simon Black is an agent with independent boutique brokerage Red Oak Realty in the San Francisco Bay Area. Even in a real estate market that has been inventory-constrained and unaffordable for decades, he takes the stance that office exclusives are not a runaway problem for the region. “I think it was probably a bigger deal many years ago when people didn’t see the power of staging a property,” he says. “We’ve trained our buyers and sellers specifically in this market, because they’ve seen how that really does get such great results. I think we’ve trained them to see there’s real value to bringing things on market, and so I think off-market has become less of an event here.” One notable stipulation made alongside the Clear Cooperation policy was requiring office exclusives to still be “filed” with a local MLS to ensure data accuracy, even though the data is not shared (a “certification signed by the seller” must also be included to affirm that it is the seller’s choice not to put their property on the MLS). Evans says that is one of the most important evolutions of the “pocket listing” landscape, because that way the data is at least verified and reliable. “ still gets entered into the MLS,” she says. “But a ‘pocket listing,’ to me, is one that never gets on the MLS and is in the ‘secret society club’—I call it the dark data of real estate. That’s where a lot of the issues can arise.” But that doesn’t mean that office exclusives are themselves not potentially a source of problematic behavior or changes in real estate, especially as their use hasn’t accelerated during the current inventory crunch. Mega-brokerage Compass was explicitly called out during a recent Harvard panel focused on housing issues for allegedly trying to carve out market share using office exclusives in the Bay Area. Speaking recently to RISMeda about the company’s tech platforms, Compass Regional President Rory Golod showed the way agents working there receive an “inventory advantage” by having access to listings that no one else does. “Because of our market share in so many of our markets, we have hundreds of listings that are private exclusives, that are off-market listings that only Compass agents have Black says Red Oak does not dabble in the practice of “pitching…potential sellers and buyers as having that magical place where these off-market listings exist,” though he adds there are some agents who certainly do that in the region. “It seems sort of discriminatory in a way, where you’re restricitng who can see property, which doesn’t feel right to me,” he says. Chris Kelly, president and CEO of Texas-based brokerage Ebby Halliday, says that “members of the public who are most impacted” by this type of scenario are underrepresented communities—often people of color. “They are disproportionately impacted by this,” he says. “I have to be connected to the right real estate agent at the particular right brokerage in order for them to be able to tell me what they have for sale that they’re not sharing…so if you look at affluent areas, you can see how that can get disproportionate pretty quickly.” While there is nothing intentional or inherent about this scenario, Kelly emphasizes that without extremely thoughtful, careful and transparent practices, the impacts can start to move into fair housing issues. While the marketing benefit for an agent with a large number of office exclusives is obvious, the brokerage in question also gets to double its share of commission by essentially guaranteeing these listings will be dual-agency deals, providing an obvious motivation to increase the number of office exclusives from the brokerage side. Brokerages also can use office exclusives as a recruiting tool both for agents and homebuyers, especially in times of tight inventory. Kelly says that this scenario could easily spiral into an “arms race,” where every brokerage or office in a given region is trying to grow their exclusive listings to compete with everyone else, rather than using office exclusives in the limited scenarios the policy was intended for. “The analogy I like to use is the buildup of nuclear arms,” he says. “As more brokerages are holding more properties back as office exclusives—ones that don’t fit a unique seller or a unique property circumstance—eventually other brokerages say, ‘Gosh, I’m giving you all my listings, you’re giving me half of yours or whatever percent—I’m going to do the same thing to you, I’m not going to share.’ And then everyone does that.” Office exclusives or other pseudo off-market listings don’t always include the same disclosures, at least in California, according to Black, which can make a transaction more complicated for everyone involved. “You can imagine because oftentimes there’s still sellers living in them, they won’t always have that robust inspection, maybe, the general inspection or the best inspection,” he said. “It can be a complete disclosure packet or it can be an incomplete disclosure packet, and you as the buyer and the buyers’ agent need to decide, do we need additional inspections?” It is hard to track exactly how prevalent office exclusives are since how they are categorized and collected depends on the brokerage, as well as the MLS. Some are disseminated in private Facebook groups, according to Kelly, or intranet platforms within a company. Kelly adds that in the past, off-market listings were made up of “typically” high-price point homes and mostly fit into the explicit reasoning for the policy—high-profile people looking for privacy. But that does not appear to be the case in the current low-inventory, highly competitive market that is especially brutal in major metros. “In a normalized market, having a certain percentage of office exclusives probably doesn’t make a huge difference in respect to the consumer,” Kelly says. “What we have seen in some markets is the office exclusive, I think, gets abused in some capacity where it is being used for properties that do not have a unique selling point or a unique circumstance for the seller to justify the office exclusive.” Foundations One way to look into the future of off-market, or semi off-market listings, is to look at a region that has already experienced a few decades of low inventory with high appreciation and demand. Black says that the Bay Area can serve as this kind of sample. “Most people in this area have been living where we haven’t had property to sell for such a long time,” he explains. “You realize there is value in you actually moving out of your property and getting it professionally painted and staged and getting those professional photographs taken, and so most people who transact in this area, they do transact on the market.” Those sellers that do utilize off-market listings nearly always do so for the sake of convenience rather than just for privacy, he says, because they do not want to go through the trouble of vacating the premises and allowing strangers to stage, photograph and fix-up their home. They are willing to sacrifice some degree of profit, knowing the house will still sell at a premium in the highly competitive market. Black adds that real estate agents are not often pushing the office exclusive because they know it will almost certainly cut into their commission. Sometimes they will, according to Kelly, because there will be less work overall for them to do, but that is not a widespread issue—making the most money for both yourself and your client is still going to be a strong motivation. “Where do I maximize the potential eyeballs of interested buyers for my product? It’s putting it in the place where most consumers go to get their listings,” he says. While Black and Kelly both emphasize there are and will always be appropriate reasons to keep a listing from a wider view, that doesn’t necessarily mean there is only one method for doing that. Evans claims that MLSs can—and do—individually provide nuanced ways to list properties while still allowing sellers the flexibility they want or need in terms of marketing. “It just depends on what that local marketplace is driving at,” she says. One of the most widespread alternatives—one that is also nuanced and diverse—is the “coming soon” designation, which NAR does not directly regulate. Depending on the local rules, this designation can restrict viewing of a property just to members of the MLS or to agents rather than the general public, as well as limit when offers or showings can happen, according to Evans. This potentially allows for a more localized, more curated way to carry out some of the functions office exclusives were intended for, and these rules can be modified by any individual MLS board based on local market conditions, she adds. For that reason, Evans says there is no real consensus on the future of office exclusives from MLS leaders, to her knowledge. “The approach in each marketplace can be different…my one thought is, the heart of our industry is cooperation, so anything that promotes and furthers cooperation, I would be in support of,” she says. From the legal side, some industry insiders have been hesitant to address the issue of office exclusives because of an ongoing antitrust lawsuit that is targeting the entirety of Clear Cooperation as a violation of antitrust laws. A district court specifically cited office exclusives as evidence that Clear Cooperation was not anti-competitive or illegal when dismissing the case—though a federal circuit court recently reversed that decision, putting Clear Cooperation back in the spotlight. Black says the current rules allow for significant flexibility, at least in California. Some can stay fully within a company, some can be marketed more broadly across an MLS or across the state, but not syndicated on Redfin or Zillow, which is very important for some people’s privacy. Both Kelly and Black also acknowledge there might be some temptation from the agent’s side to push clients to sign up for office exclusives because it means less work from them, and in the hot market right now, the home is likely going to sell anyway for a good price. Black says he recently had a home go under contract after 350 showings over 12 days. “It was a 63-stair walk-up to the front door, it’s not for everyone clearly,” he laughs. “It received multiple offers, and we will close with a really great offer.” But in the end, both argued that most agents are going to be motivated to put the work in and go the extra mile—both for their client’s and their own bottom line—and the agents who offer this more fundamental value proposition will ultimately be successful. “The idea of saying, ‘Well it’s really stressful to have all these people coming in ’— that’s the agent’s job,” Kelly says. “If my lawyer or doctor came to me and said, ‘Hey, I need you to make it easier on me when I’m operating on you, or working on this case’—I kind of feel like that’s what an agent could be doing sometimes …we get paid to manage stress, take it off of that seller.” The post The ‘Nuclear Arms Race’ of Office Exclusives appeared first on RISMedia......»»

Category: realestateSource: rismediaMay 12th, 2022

Leftists Hate Free Speech Because They Fear Dissent, Not "Disinformation"

Leftists Hate Free Speech Because They Fear Dissent, Not "Disinformation" Authored by Brandon Smith via Alt-Market.us, I think one of the most bizarre social developments of the past 10 years in the US has been the slow but steady shift of the political left as supposed defenders of free speech to enemies of free speech. The level of mental gymnastics on display by leftists to justify their attacks on freedom and the 1st Amendment is bewildering. So much so that I begin to question if liberals and leftists ever actually had any respect for 1st Amendment rights to begin with? Or, maybe the only freedom they cared about all along was the freedom to watch pornography… One can see the steady progression of this war on speech and ideas, and the end game is predictable: Is anyone really that surprised that the Biden Administration is implementing a Ministry of Truth in the form of the DHS Disinformation Governance Board? Can we just accept the reality at this point that leftists are evil and their efforts feed into an agenda of authoritarianism? Is there any evidence to the contrary? Before I get into this issue, I think it’s important to point out that it’s becoming tiresome to hear arguments these days suggesting that meeting leftists “somewhere in the middle” is the best and most desirable option. I see this attitude all over the place and I think it comes from a certain naivety about the situation we are facing as a country. Moderates and “normies” along with people like Bill Maher and Russell Brand are FINALLY starting to realize how bag-lady-crazy leftists are and the pendulum is swinging back slightly. But, it was conservatives that were calling out the social justice cult and their highway to hell for years. While everyone else was blissfully ignorant, we were fighting the battles that stalled the leftist advance. This is not to say I’m not happy to have moderates and reformed liberals on board, it’s a great thing. However, the time for diplomacy and meeting leftists halfway is long dead. There is no such thing as a “center” in our society anymore, either you lean conservative and you support freedom, or you lean left and support authoritarianism. There is no magical and Utopian in-between that we need to achieve to make things right. We are not required to tolerate leftist authoritarianism because of “democracy.” Sometimes certain ideologies and certain groups are mutually exclusive to freedom; meaning, they cannot coexist within a society that values liberty. We need to be clear about where the lines are drawn, because sitting on the fence is not an option. Walk in middle of road? Get squished like grape. To understand how leftists got to the point of enthusiastic hatred of free speech rights there are some psychological and philosophical factors that need to be addressed. These include specific ideals that leftists value that are disjointed or simply irrational: Hate Speech Is Real And Must Be Censored? First, as I have argued for many years, there is no such thing as “hate speech.” There is speech that some people don’t like and speech they are offended by. That is all. Constitutionally, there is no hate speech. People are allowed to say any offensive thing they wish and believe however they wish as long as they are not slandering a person’s reputation with lies or threatening them with direct bodily harm. If you are offended by criticism, that is your problem. Leftists believe the opposite. Instead of growing a thicker skin they think that “hate speech” should be illegal and that they should be the people that determine what hate speech is. This is a kind of magical door to power, because if you can declare yourself the arbiter of hate speech you give yourself the authority to control ALL speech. That is to say, as the thought police all you have to do is label everything you don’t like as hate speech, no matter how factual, and you now dictate the course of society. No one is capable of this kind of objectivity or benevolence. No person alive has the ability to determine what speech is acceptable without bias. Like the One Ring in the Lord of The Rings, there is no individual or group capable of wielding such power without being corrupted by it. Either there is no hate speech, or everything becomes hate speech. Free Speech Is Negated By Property Rights? This is in direct reference to social media websites and it’s an oversimplification of the issue of free speech and large social media platforms. Here is the conundrum or “false paradigm” if you will: Leftists argue for private property rights, but only when it comes to vast corporate big tech platforms like Twitter, Facebook, YouTube, etc. They like private property rights for companies that they think are on their side politically; they hate private property rights for everyone else. Just look at their response to Elon Musk’s recent Twitter buyout; the leftists are demanding that Musk be stopped at all costs, and they demand that the SEC and FCC step in to disrupt the sale because they claim Musk’s purchase is a “threat to democracy.” The media itself is clamoring to disrupt Musk’s takeover of Twitter. Whether or not you trust him, Musk’s acquisition of the platform has at least exposed the totalitarian attitudes of mainstream journalists for everyone to see. They are now even admitting on air that THEY control public discussion; that it is “their job,” and they see Musk as a threat to that monopoly. Why are Elon Musk’s private property rights less important or protected than the original shareholders of Twitter (Vangaurd, BlackRock, Morgan Stanley and a Saudi Prince)? Because Musk does not claim to represent leftist designs and interests? Leftists have no principles, they only care about manufacturing consent. Their method of winning requires that they never restrict themselves within the boundaries of values or morals. Again, this is the epitome of pure evil. Beyond that irony, though, is the deeper issue of government intervention vs business rights. Many people seem to think that government power is supposed to balance out corporate power when the truth is that governments and corporations work hand in hand; they are often one in the same entity. Twitter and other Big Tech platforms receive billions upon billions of dollars in government stimulus and tax incentives every year. Corporations as a concept are essentially a socialist creation. They enjoy limited liability and corporate personhood along with other special protections under government charter. With all these protections, incentives, bailouts and stimulus measures it is almost impossible for small and new businesses to compete with them. They represent a monopoly through cartel; they control the marketplace by colluding with each other and colluding with the government. A perfect example of this would be the coordination between multiple Big Tech companies to bring down Parler, a conservative leaning competitor to Twitter. This required some of the biggest companies in the world working in unison along with the blessing of government officials to disrupt the ability of a new company to offer an alternative, and all because Parler was getting too big. In the case of a private person’s home or their small business or small website, it’s true that there are no free speech rights. They can kick you out and they don’t have to give a reason. But when it comes to massive conglomerates that receive billions in OUR tax dollars in order to stay alive, no, they do not deserve private property rights. They have now made themselves into a public utility, and that means they are subject to constitutional limitations just as public schools and universities are. This is a concept that leftists just don’t grasp. They view corporate power as sacrosanct…as long as it serves their interests. Consider global corporations like Disney and their open intention to undermine the passage of Florida’s anti-grooming bill; this represents Disney’s vocal support for the sexualization and indoctrination of children in Florida schools. Leftists cheered the announcement and claimed that without Disney, Florida’s economy would be wrecked. Instead, the state turned the tables and took away incentives they had been giving to Disney for decades. Leftists responded by accusing Governor DeSantis of being a “fascist” and attacking free speech. But let’s break this down: Leftists happily supported Disney, a massive conglomerate, and their efforts to undermine the will of the voters in Florida. The state government stops them from undermining the voters by taking away the money and special incentives that belong to the voters. In turn, leftists claim this is a violation of Disney’s rights? The disparity between leftist arguments on Elon Musk’s takeover of Twitter vs. Disney’s attempted sabotage of Florida law could not be more confused. When it comes to Twitter they love the idea of censorship and react with panic when the mere prospect of free speech (within the confines of US law) is presented. When it comes to Disney, they say they love the idea of free speech, and anyone that wants to limit the corporation’s influence within Florida, no matter how criminal, is accused of fascism. The difference is obvious – Musk appears to be an uncontrolled element, while Disney is an “ally.” Free speech and property rights are only allowed for one side of the cultural divide. Leftists attacking freedom is free speech; defending ourselves against those attacks is a threat to democracy. It’s absurd. Disinformation Is A Threat And Censorship Is The Solution? The holy grail of censorship is not website filters and algorithms, because as we have seen with Twitter, those platforms could be built or purchased by someone that does not share in the leftist agenda. Instead, government intervention and the ability to define what is proper and improper discourse is the ultimate goal. The end game of authoritarians is always to write mass censorship into law, as if it is justified once it is codified. Corporate elites and political puppets like Biden pontificating about the threat of “disinformation” is hilarious for a number of reasons, but mainly because it is the power brokers and the media that have been the main purveyors of disinformation for a long time. Suddenly today they care about the spread of lies? I think it is obvious that such people are far more worried about the spread of facts, evidence and truth. They cannot debate on fair ground because they will lose, so, the only other option is to silence us. The institution of the Disinformation Governance Board is a clear indication that the establishment and the useful idiots on the political left are becoming DESPERATE. Their grip on the public mind is slipping, and we saw this during their recent attempts to enforce medical tyranny across the country in the name of covid. Luckily, conservatives in at least 20 red states fought against the implementation of covid lockdowns, mandates and vaccine passports which would have annihilated our constitutional rights forever. For years I heard the argument that when the jackboots arrived conservatives would do nothing, and now we know this is nonsense. Some of the few free places in the world during two years of pandemic fear mongering were red states in America, which coincidentally also have the highest concentration of conservatives. If you want to know what our country would look like had conservatives not stopped the tide of tyranny, just take a gander at China today. They have some of the strictest covid mandates on the planet and yet they are once again locking down millions of citizens due to “high infection rates.” Not only that, but they are starving their own people in the process. It’s madness, and it’s exactly what leftists were arguing in favor of just a few months ago. The US is mostly open today, just as red states like mine have been free for almost the entirety of the pandemic, and what has changed? Half the country is still unvaccinated – Is there mass death in the streets? Nope. Nothing has changed in terms of covid. The mandates made no difference whatsoever, other than to disrupt the economy and reduce people’s freedoms. Not long ago, pointing out this fact was considered “disinformation” that needed to be silenced in order to “save lives.” The Hunter Biden laptop story was called disinformation. The Wuhan Lab story was called disinformation. Fauci’s gain of function research on covid at the Wuhan lab was called disinformation. The fact that vaccinated people still contract and die from covid was called disinformation. In other words, what the government and corporate oligarchs call “disinformation” today is eventually called reality tomorrow. I would be happy to enter into a fair debate with White House Press Secretary Jen Psaki on any of the above issues and her views of what constitutes “disinformation,” but she would never do such a thing because she knows she would be crushed like a bug. It is not the government’s job to protect the public from information, whether real or fake. It is not their job to filter or censor data or ideas. They are not qualified to do this. No one is. Leftists operate from a collectivist mentality and this makes them believe that society is a singular entity that needs to be managed and manipulated to achieve a desired outcome. They have no concept of individual responsibility and discernment, but that is a side note to the real problem. They support information control because facts and ideas outside of their narrative could possibly damage that narrative. And, if the narrative is damaged they lose their feeling of power, which is all they really care about. If your narrative is so fragile that it does not hold up to scrutiny or alternative viewpoints then it must not be worth much of a damn. If you have to force people or manipulate people into believing the way you do, then your ideology must be fundamentally flawed. The truth speaks volumes for itself and eventually wins without force. Only lies need to be forced into the collective consciousness. Only lies require tyranny. Eventually reality wins over propaganda, unless total censorship and totalitarianism can be achieved. Nothing has changed in the 200+ years since the creation of the Bill of Rights. Free speech is still integral to a functioning society. Without it, society crumbles. They will claim that today things are different and that society needs to be “protected from itself.” This is what tyrants always say when trying to steal power. Most people reading this know by now that this is a war. It’s not a political debate that requires give-and-take, but a full-bore winner-take-all conflict. A DHS faction which is mandated to monitor our speech and propagandize the public is unacceptable and must be eliminated. Leftist and globalist monopoly of social media communications platforms is unacceptable and must be eliminated. The imposition of leftist and globalist ideology into the media narrative while censoring any contrary information is unacceptable and must be eliminated. This is about saving the remaining embers of American culture. If we do not take an aggressive stand now, the next generation may never know liberty. Everything we hold dear is at stake. *  *  * If you would like to support the work that Alt-Market does while also receiving content on advanced tactics for defeating the globalist agenda, subscribe to our exclusive newsletter The Wild Bunch Dispatch.  Learn more about it HERE. Tyler Durden Wed, 05/11/2022 - 00:05.....»»

Category: dealsSource: nytMay 11th, 2022

The Psychology Of Manipulation: 6 Lessons From The Master Of Propaganda

The Psychology Of Manipulation: 6 Lessons From The Master Of Propaganda Authored by Ryan Matters via Off-Guardian.org, Edward L. Bernays was an American business consultant who is widely recognized as the father of public relations. Bernays was one of the men responsible for “selling” World War 1 to the American public by branding it as a war that was necessary to “make the world safe for democracy”. During the 1920s, Bernays consulted for a number of major corporations, helping to boost their business through expertly crafted marketing campaigns aimed at influencing public opinion. In 1928, Edward Bernays published his famous book, Propaganda, in which he outlined the theories behind his successful “public relations” endeavours. The book provides insights into the phenomenon of crowd psychology and outlines effective methods for manipulating people’s habits and opinions. For a book that’s almost 100 years old, Propaganda could not be more relevant today. In fact, its relevance is a testament to the unchanging nature of human psychology. One of the key takeaways of the book is that mind control is an important aspect of any democratic society. Indeed, Bernays maintains that without the “conscious and intelligent manipulation of the organized habits and opinions of the masses”, democracy simply would not “work”. We are governed, our minds molded, our tastes formed, our ideas suggested, largely by men we have never heard of. This is a logical result of the way in which our democratic society is organized. Vast numbers of human beings must cooperate in this manner if they are to live together as a smoothly functioning society. According to Bernays, those doing the “governing” constitute an invisible ruling class that “understand the mental processes and social patterns of the masses”. In Propaganda, Bernays draws on the work of Gustave Le Bon, Wilfred Trotter, Walter Lippmann, and Sigmund Freud (his uncle!), outlining the power of mass psychology and how it may be used to manipulate the “group mind”. If we understand the mechanism and motives of the group mind, is it not possible to control and regiment the masses according to our will without their knowing about it? I recently explored this topic in an essay about how occult rituals and predictive programming are used to manipulate the collective consciousness, influencing the thoughts, beliefs and actions of large groups of people, resulting in the creation of what occultists call “egregores”. Here I have extracted some key insights from Bernays in an attempt to show how his book Propaganda is, in many ways, the playbook used by the globalist cryptocracy to process the group mind of the masses. 1. IF YOU MANIPULATE THE LEADER OF A GROUP, THE PEOPLE WILL FOLLOW Bernays tells us that one of the easiest ways to influence the thoughts and actions of large numbers of people is to first influence their leader. If you can influence the leaders, either with or without their conscious cooperation, you automatically influence the group which they sway. In fact, one of the most firmly established principles of mass psychology is that the “group mind” does not “think”, rather, it acts according to impulses, habits and emotions. And when deciding on a certain course of action, its first impulse is to follow the example of a trusted leader. Humans are, by nature a group species. Even when we are alone, we have a deep sense of group belonging. Whether they consciously know it or not, much of what people do is an effort to conform to the ideals of their chosen group so as to feel a sense of acceptance and belonging. This exact method of influencing the leader and watching the people follow has been used extensively throughout the last few years. One notable instance that comes to mind is the horrendously inaccurate epidemiological models created by Neil Ferguson, which formed the basis for Prime Minister Boris Johnson’s lockdown policies. Once Johnson was convinced of the need to lockdown and mask up, the people gladly followed. 2. WORDS ARE POWERFUL: THE KEY TO INFLUENCING A GROUP IS THE CLEVER USE OF LANGUAGE Certain words and phrases are associated with certain emotions, symbols and reactions. Bernays tell us that through the clever and careful use of language, one can manipulate the emotions of a group and thereby influence their perceptions and actions. By playing upon an old cliché, or manipulating a new one, the propagandist can sometimes swing a whole mass of group emotions. The clever use of language has been employed throughout the Covid-19 pandemic to great effect. An obvious example of this was when the definition of “vaccine” was changed to include injections utilising experimental mRNA technology. You see, the word “vaccine” is associated in the public mind with a certain picture – that of a safe, proven medical intervention that is not only life-saving but absolutely necessary. If governments had told people to go get their “gene therapies”, the vast majority of the public would likely question the motives behind such a campaign; they would feel extremely sceptical because the phrase “gene therapy” is not associated with the same images, emotions and feelings as “vaccine”. The same goes for the word “pandemic”, the definition of which was also changed. The word “pandemic” is generally associated in the collective consciousness with fear, death, chaos and emergency (largely thanks to Hollywood and the myriad virus films it has released over the years). 3. ANY MEDIUM OF COMMUNICATION IS ALSO A MEDIUM FOR PROPAGANDA Any system of communication, whether phone, radio, print, or social media, is nothing more than a means of transmitting information. Bernays reminds us that any such means of communication is also a channel for propaganda. There is no means of human communication which may not also be a means of deliberate propaganda. Bernays goes on to stress that a good propagandist must always keep abreast of new forms of communication, so that they may co-opt them as means of deliberate propaganda. Indeed, systems that most people would associate with freedom of speech and democracy are none other than means of circulating propaganda. Facebook fact-checkers, Big Tech censorship and YouTube’s Covid banners certainly fall into this category. Other examples of this include the recent algorithm updates made by various search engines (including Google and DuckDuckGo) to penalize Russian websites. Although this should come as no surprise (Google has been engaging in this type of “shadow propaganda” for many years). 4. REITERATING THE SAME IDEA OVER AND OVER CREATES HABITS AND CONVICTIONS Although Bernays terms this a technique used by the “old propagandists”, he, nonetheless, recognizes its usefulness. It was one of the doctrines of the reaction psychology that a certain stimulus often repeated would create a habit, or that the mere reiteration of an idea would create a conviction. Repeating the same idea or the same “mantra” again and again is a form of neuro-linguistic programming aimed at instilling certain concepts or emotions into the subconscious mind. Indeed, people who are feeling sad or depressed are often advised to repeat to themselves an uplifting saying or affirmation. There are many examples of this simple, yet effective, technique being used to great effect over the last few years. Think Q’s “trust the plan”, the globalist favourite, “build back better” or the incessant repetition of that twisted phrase, “trust the science”. Included in this category are the 24/7-in-your-face death statistics and case numbers, aimed at promoting the illusion of a pandemic. There are more obvious examples of this as well, such as news anchors in different areas all reading from the exact same script. 5. THINGS ARE NOT DESIRED FOR THEIR INTRINSIC WORTH, BUT RATHER FOR THE SYMBOLS THAT THEY REPRESENT After studying why people make certain purchasing decisions, Bernays observed that people often don’t desire something for its usefulness or value, but rather because it represents something else which they unconsciously crave. A thing may be desired not for its intrinsic worth or usefulness, but because he has unconsciously come to see in it a symbol of something else, the desire for which he is ashamed to admit to himself. Bernays gives the example of a man buying a car. From the outside, it may appear as if the man is buying the car because he needs a means of transport, but in actuality, he is buying it because he craves the elevated social status that comes with owning a motor vehicle. This idea, too, applies to the events over the last few years. For example, masks are a symbol of compliance. Everyone knows they don’t work but they wear them because of their desire to “fit in”, and to be seen as an upstanding citizen who follows the rules. Covid-19 injections are also a symbol and many people choose to get them because they have a desire to avoid being called an “anti-vaxxer” or a “conspiracy theorist”. 6. ONE CAN MANIPULATE INDIVIDUAL ACTIONS BY CREATING CIRCUMSTANCES THAT MODIFY GROUP CUSTOMS Lastly, Bernays tells us that if one wishes to manipulate the actions of an individual, the most effective way to do so is to create circumstances that engender the desired behaviour. What are the true reasons why the purchaser is planning to spend his money on a new car instead of on a new piano? […] He buys a car, because it is at the moment the group custom to buy cars. The modern propagandist therefore sets to work to create circumstances which will modify that custom. For example, why all of a sudden does everyone “stand with Ukraine”? According to Bernays, it’s not because there is a war going on and innocent people need our love and support, but rather because it is the new “group custom” to do so. The process of altering group customs begins from the top down. In every nation or social clique, there are leaders, public figures and influencers. Manipulating those with the most sway eventually filters down into the public mind. That is why when a celebrity decides to wear something extravagant on the red carpet, a whole new trend can arise overnight. Similarly, at the beginning of the Covid saga and then the Russia-Ukraine war, the media were quick to circulate stories of celebs “catching Covid” and urging people to stay home, or public figures condemning Russian actions and calling for stricter sanctions (which just so happened to hurt the West more than they hurt Russia). THE PROPAGANDA PLAYBOOK The world is a volatile place right now. Things seem to change quickly and no one knows what might happen next. However, amid all this chaos there is one thing that has not changed and is unlikely to change any time soon, and that is human psychology. Because of this, the tactics used to manipulate people’s thoughts, beliefs and actions have not changed either. In fact, most of them were outlined in detail 100 years ago by Edward Bernays in his 1928 book, Propaganda. That’s right, the Puppet Master’s playbook isn’t a secret. It’s right there, freely available to anyone who cares to understand how the powers that be seek to influence them on a daily basis. *  *  * Propaganda by Edward Bernays has now been added to our Forbidden Library. Read it now, along with other forbidden books. Tyler Durden Sun, 05/08/2022 - 23:20.....»»

Category: blogSource: zerohedgeMay 9th, 2022

I"m the CEO of Hootsuite. I start my day writing emails because it"s when my brain is the clearest — here"s what my morning routine is like.

Tom Keiser says he starts work around 7 a.m. after catching up on industry newsletters and has used the same favorite notebook for decades. Tom Keiser, CEO of Hootsuite, has made employee wellness a business priority.Hootsuite Tom Keiser is the CEO of Hootsuite and lives in San Francisco. He starts his day reading industry newsletters before responding to urgent messages and emails. Here's how he organizes his morning routine, as told to writer Robin Madell.  This as-told-to essay is based on a conversation with Tom Keiser, CEO of Hootsuite, about his workday morning routine. It has been edited for length and clarity.Each day, I wake up early and read a bunch of news and newsletters. The sites I regularly check include Platformer by Casey Newton, Stratechery by Ben Thompson, Letters from an American by Heather Cox Richardson, Money Stuff by Matt Levine, DealBook by Andrew Ross Sorkin, Cup of Coffee by Craig Calcaterra, and The Information.I usually start focusing on work at about 7:15 a.m. I'm a big list person and I prefer tracking my to-dos on paperI've used Engineering Notebooks from the Laboratory Notebook Company since the '90s to take notes and put my daily and weekly to-do lists together. I've tried to embrace technology for lists over the years, but having a physical notebook just works better for me.I mostly work from my home office in San FranciscoWhen I joined Hootsuite in June 2020 during the pandemic, the entire interview and onboarding process was done on video, so I'd never met my leadership team or colleagues in person. When restrictions were lifted, I was finally able to travel to our corporate head office in Vancouver, Canada. I was excited to meet everyone and work together in person, so I traveled to our Vancouver office every week throughout the fall months. But in December when Omicron hit, I had to stop traveling again and now work primarily from my home office in California. As CEO, I spend a lot of time listening and communicating with my teamThis means clarifying priorities, removing roadblocks, recruiting talent, motivating people, making decisions and communicating constantly, a bit of strategy, M&A, and fundraising work.Writing is the first work task I do each morningMy brain is clearest in the morning to be able to think through and grind out whatever messages or emails I'm trying to send. Later in the day I'm in decision, speed, and deal-with-it mode, which makes it hard to slow down and communicate as effectively.I always address the most urgent communications firstFor example, if I'm working on a planning project where our team is expecting my feedback on their presentation, I've usually jotted down notes and thoughts the day prior so I have a basic outline of ideas to work with. This helps me better respond to their specific questions and package my response into an email when my mind is clear.I believe in a weekly cadence of running the business. I have leadership meetings on Tuesday, weekly touch-bases with all of my direct reports, monthly touch-bases with board members, and then ad-hoc meetings as needed. I don't like surprises, so I try to stay immersed in every aspect of the business as much as possible.Read the original article on Business Insider.....»»

Category: topSource: businessinsiderMay 5th, 2022

My Investing Philosophy in a Nutshell

    Later today I will be appearing at the Strategic Investment Conference to discuss my investment philosophy. It’s a great group that includes Stephanie Link of Hightower, Brian Lockhart of Peak Capital Management, and David Bahnsen of the Bahnsen Group. I have been trying to find the right way to present my ideas –… Read More The post My Investing Philosophy in a Nutshell appeared first on The Big Picture.     Later today I will be appearing at the Strategic Investment Conference to discuss my investment philosophy. It’s a great group that includes Stephanie Link of Hightower, Brian Lockhart of Peak Capital Management, and David Bahnsen of the Bahnsen Group. I have been trying to find the right way to present my ideas – a challenge considering 1) Its Alpha-seekers and me, and 2) Time is short on any panel. So I expect to be the outlier, the proverbial fly in the ointment. Regardless, I needed to organize my thoughts for this event, and so I created a useful list of my basic investing philosophy: 1. Stock picking is exceedingly hard: The academic data overwhelmingly demonstrates that the vast majority of Alphas chasers underperform the indices after a few years. After 10 years net of fees, there are practically zero outperformers. We know the names of people like Ron Baron and Peter Lynch and Warren Buffett not because they are typical stock pickers, but because they are the rare outliers. 2. Market Timing is even harder: There are many reasons why, but perhaps the most compelling is that the biggest up and down days tend to be clustered near each other. Overbought conditions lead to sell-offs aka (lol) profit-taking; oversold conditions lead to snapback rallies, but the long-term trend is where actual capital gets compounded. 3. We are oblivious to our own cognitive shortcomings: Just as most drivers believe they are above-average, so too do most investors believe they can generate alpha. We are over-confident, cannot distinguish between luck and skill, and generally have a high opinion of ourselves. Other managers that do well w3as due to their lucky breaks, but our great trades and market calls are obviously due to our own brilliance. 4. Behavior is the biggest determiner of investor returns. This is the most important point I hope to make today: Do you chase the hot stocks or managers during bull runs? Do you panic and sell during volatility? How investors behave has an enormous impact on their long-term returns – far greater than either stock picking or market returns 5. Consistent average returns turn into above-average returns over time. Howard Marks has discussed why typical managers who finish in the top 10% in any given year underperform over the long haul. They tend to be narrow and specific, and their sector/style/region goes in and out of favor. Bouncing between the top and bottom deciles is not a formula for long-term performance. Instead, consistently achieving a modest target in the middle will eventually turn in top quartile returns (or better). 6. Tax alpha: For non-qualified accounts – not 401ks, IRAs, endowments, or philanthropies – managing around your capital gains can lead to enormous improvements in net after-tax returns. Approaches like direct indexing, asset location, and appreciated stock sale planning can yield substantial savings. And, they are risk-free. 7. Fees matter a lot: There can be no doubt that high fees are a drag on long-term performance. We do everything possible to lower costs to clients. The obvious and easy thing to do is we use managers like Vanguard, DFA, and Blackrock which are the cheapest in their class for mutual funds and ETFs. But we also do several things with our own RIA fees: Our Milestone Rewards cuts fees by 15% for clients who create and regularly review their financial plan and exhibit good financial behavior. And, we offer a robo-advisor that comes with a dedicated human advisor at less than half of our regular fees. 8. Tactical portfolios: Goaltender is our tactical portfolio, and it is the only such vehicle I am aware of that refuses to promise outperformance (the goal is market performance). But it serves a vital part of an investor’s plan: It keeps their “real money” fully invested while allowing the investor to feel like they did something as opposed to nothing. This acts as an enormous emotional relief valve. 9. Financial literacy fades so investors require constant refreshers. Studies have shown that the half-life on financial literacy is quite low. Thus, if you want your clients to understand why you are not picking stocks or market timing, and why you are willing to ride out volatility and drawdowns, you must constantly reinforce the data on this. RWM uses blog posts, podcasts, videos, clients letter, and quarterly conference calls all to reinforce these key notions above. 10. Investing is simple, but hard: Nothing on the list is overly complex or impossible to achieve. None of these things require extraordinary skills or ability. But they are difficult to perform consistently, over long stretches of time, without occassionally messing up. The best investment strategy for you is the one you’re likely to stick with. Achieving this requires dedication and committment, something most of occassionally find oursleves lacking. Those are the main points I hope to make today — and given our limited time, I doubt I will get through half of them. They are presented here for your enjoyment and debate.     Previously: Tax Alpha (April 14, 2022) Accessing Losses via Direct Indexing (April 14, 2021) Alpha & Beta: Two Competing Investment Philosophies (August 22, 2015) The post My Investing Philosophy in a Nutshell appeared first on The Big Picture......»»

Category: blogSource: TheBigPictureMay 4th, 2022

RISMedia’s Newsmakers: Honoring the Futurists and the Influencers

The future is shaped by those who inspire others to follow their lead, whether in bold action or provoking thought. This is true of any industry and real estate is no exception. To recognize those driving real estate forward, we celebrate the Futurists and Influencers in our annual RISMedia Real Estate Newsmakers awards. These individuals… The post RISMedia’s Newsmakers: Honoring the Futurists and the Influencers appeared first on RISMedia. The future is shaped by those who inspire others to follow their lead, whether in bold action or provoking thought. This is true of any industry and real estate is no exception. To recognize those driving real estate forward, we celebrate the Futurists and Influencers in our annual RISMedia Real Estate Newsmakers awards. These individuals have demonstrated that they have the ability to redefine the industry, and boast an exceptional ability to foretell what the future holds for real estate. We were pleased to honor everyone in both categories, and wanted to hear firsthand what this recognition means to some of them. Since they’ve proven themselves as forecasters, we also asked their thoughts on what 2022 holds for the industry and their respective markets. What does it mean to you to be selected as a 2022 RISMedia Real Estate Newsmaker?  Cody Gibson – Futurist Director of Expansion | Keller Williams Realty International “I’ve got almost 22 years in , an industry that’s given me everything I enjoy in my life. So to be nodded at or looked at as some type of Newsmaker, I love this industry so it’s just very personally rewarding cause I’m doing something that gives back to what’s given me so much.” Shawna Gilbert – Futurist Vice President, Global Development | RE/MAX “I’m humbled to stand alongside this group of talented and thoughtful innovators in the industry.  The RE/MAX leaders, and everyone, recognized by RISMedia as Newsmakers are dedicated to creating a better real estate process for consumers as well as agents. I’m so proud of what we all accomplished in 2021 and I know RE/MAX has its sights set high for 2022.” Judi Nield – Futurist Marketing Director | Legacy Real Estate & Associates “It’s a great honor to be part of this elite group of national leaders. Our Broker/Owner Bill Aboumrad has built an amazing team, and I’m proud of the work we do at Legacy Real Estate & Associates, ERA Powered.” Michele Harrington – Influencer CEO | First Team Real Estate  “I’ve been in the business about 24 years and started right away trying to give back to the industry… to be recognized just as somebody who’s worked really hard in the industry and for the industry is just amazing and it always makes you feel good when your peers let you know when they notice all your hard work.” Jessica Lautz – Influencer VP, Demographics and Behavioral Insights | NAR “It is an incredible honor to be mentioned among so many experts and professionals in the real estate space. These are leaders who are making real and tangible positive contributions to the industry. So it’s a privilege to be grouped with them and represent NAR.” Mickey Alam Khan – Influencer President | Luxury Portfolio International “It’s an honor to be named to the RISMedia Real Estate Newsmaker list. Given the talent that made the cut, the recognition reaffirms the hard work and creativity of Luxury Portfolio International employees, so in a sense I represent teamwork at its best.” What is your main focus in your business for the remainder of 2022? Cody Gibson  “To opening a digital brokerage in all 50 states, for Keller Williams to operate the expansion network. We’re licensed in 32 states today for our expansion network and our goal before the end of the year is to be licensed and operational in all 50 of those states which gives our expansion businesses, expansion team owners, expansion real estate agents an ability to easily maneuver around their state or their country so they can build their business truly without borders.” Shawna Gilbert “The RE/MAX Global team remains committed to advancing careers and helping individuals and families find a community of their own around the globe and we’ll continue to do so in 2022. We’ve just sold Master Franchise Rights to RE/MAX Taiwan, and we greatly look forward to helping the new owners revolutionize their local real estate industry.  I’ll be heading up our recently announced partnership with the Women’s Council of REALTORS®, a network committed to advancing women as business leaders. RE/MAX has always been a welcoming company for women leaders and entrepreneurs, and I am thrilled to bring this new resource and network to our affiliates.” Judi Nield “It might seem like a simple tenet, but my focus is and has always been on the real estate agents of Legacy Real Estate & Associates, ERA Powered. In collaboration with our Agent Advisory Council, our Leadership Team drills down on industry pain points, anticipates market shifts, and implements programs and resources to support agents. We’re focused on growing as a company, coaching great REALTORS®, providing listing activity automation and buyer services, delivering technology and marketing innovations, and keeping person-to-person relationships at the forefront.” Michele Harrington “So right now in Southern California our main pain point is people just not wanting to sell their houses and move up and move down or move sideways so we have a serious lack of inventory it seems like. As interest rates rise the inventory problem is probably gonna get worse so we need to figure out creative ways for people to want to move either by buying down rates or buying their properties so they can take their time and shop for their dream home so that we can get these first time buyers into the market and keep the pipeline moving, so our main focus is gonna be freeing up inventory.” Jessica Lautz “This year is becoming a period of transition following the pandemic, which greatly fueled the already high demand for housing. 2022 has seen a confluence of factors that have challenged homebuyers entering the market, including the rise in mortgage rates, the continual increase in price, and fierce competition. Homebuyers may see less competition as some buyers are shut out of the market and as prices moderate.” Mickey Alam Khan “The high-end of the real estate market will continue to face pressure on inventory through the end of the year, forcing agents and brokers to think even more creatively to generate listings… Rising interest rates will also affect mortgages and aspirational first-time home buyers. And brokers will continue to face pressure on commission splits as top agents and their teams demand more of the cut or threaten defection. 2022 is likely to remain a seller’s market, barring a spillover of the Russian war on Ukraine into other parts of Europe or the United States.” Devin Meenan is RISMedia’s editorial assistant. He can be reached at dmeenan@rismedia.com. The post RISMedia’s Newsmakers: Honoring the Futurists and the Influencers appeared first on RISMedia......»»

Category: realestateSource: rismediaMay 3rd, 2022

53 genuinely useful gifts to get your teacher for Teacher Appreciation Week

For Teacher Appreciation Week, show teachers you care with one of our gift ideas, from a mug warmer to gift cards. Prices are accurate at the time of publication.When you buy through our links, Insider may earn an affiliate commission. Learn more.For Teacher Appreciation Week, show teachers you care with one of our gift ideas, from a necklace to a school supply organizer.AmazonThe best teachers work tirelessly inside and outside the classroom with endless enthusiasm, patience, and compassion along the way. Whether it's Teacher Appreciation Week or the last day of school, they deserve a little token of gratitude for all that they do.The greatest way to show a teacher that their work doesn't go unappreciated is by giving them a thoughtful gift, be it a sentimental card or a practical item that makes their life easier. Below, we outlined the best gifts for teachers, from delicious snacks to morning routine upgrades.53 of the best teacher gifts in 2022:A video montage from their studentsMontageGroup video gift, available at Montage, $29Nothing will bring happy tears to a teacher's eyes quite like a video montage from their students. The Montage platform makes it easy to compile videos — it sends email invitations to each person, provides instructions to upload their videos on the website, and compiles the videos into a montage with background music.A subtle but specific necklaceAmazonLcherry Bar Necklace, available at Amazon, $16.98Gifts that are teaching themed can often be kitschy or cheesy, but this necklace has the best of both worlds. It acknowledges the specific work of a teacher in the packaging, but is simple and subtle enough to wear each day. A plant set that will never dieTargetArtificial Succulent Plant Arrangement, available at Target, from $15If they love the look of plants but rightfully don't have the time to maintain them, a fake succulent assortment is a great option. It looks just like a terrarium but will never wilt. A chic school supply organizerAmazonMarbrasse Bamboo Art Supply Organizer, available at Amazon, $24.99This school supply organizer is an elevated take on the typical plastic container. It rotates for convenient access, but it can blend seamlessly in their classroom or home.Something to add to their snack stashSnack MagicSnack Magic Stash, available at Snack Magic, from $35Almost every teacher keeps a stash of snacks and treats for those days when they really need a pick-me-up. With a snack magic box, you can create a custom snack box full of treats the teacher will love.A comfortable space to workBed Bath & BeyondLapgear Lap Desk, available at Bed Bath & Beyond, $34.99Teachers inevitably have to bring their work home. With this lap desk, at least they can work comfortably from their bed or the couch as they lesson plan or grade on weekends. The desk comes in seven unique patterns.A personalized message from their favorite celebrityCameoCameo Video, available at Cameo, from $1Take the gold standard of teacher gifts — a personal and thoughtful letter — up a notch and have their favorite celebrity deliver the message. You can choose from thousands of celebrities to record a personalized video message to send to the teacher. (Since the more famous celebrities can be pricier, this can be a great gift to split with other classmates).Relaxing bath saltsRitualsMagnesium Bath Crystals, available at Rituals, $17.50Even the most energetic teacher knows that teaching can be exhausting. Give them something to help them relax and unwind at the end of a long day. These bath crystals are designed to soothe muscles and improve sleep quality.Something to make their classroom more comfortableSteph Coelho/Business InsiderHoneywell VersaHeat Digital Two Position Ceramic Personal Heater, available at Amazon and Walmart, $44.96Most teachers don't get to choose the temperature of their classroom, and shivering or sweating uncontrollably doesn't make for an ideal workday. With this space heater that also functions as a fan, they can make their classroom comfortable all year long. Just be sure to check that space heaters are allowed in classrooms before purchasing.Hand cream to combat drynessAmazonTonymoly Hand Cream, available at Amazon and Ulta, $12After washing and sanitizing their hands all day long, teachers' skin easily becomes dry and cracked. This premium peach hand cream will keep their hands soft and smelling nice.A warming plate for their coffeeAmazonMr. Coffee Mug Warmer, available at Bed Bath & Beyond, from $11.99It's a rare day that a teacher gets to finish their coffee before it gets cold. Give them the gift of perpetually warm coffee with this mug warmer they can plug in right at their desk.Bookends for their home or classroomWest ElmAgate Bookends, available at West Elm, from $34These beautiful bookends are made of solid agate. They can decide to use it in their home library or as a homey accent in their classroom. Something to satisfy their sweet toothBaked In ColorRainbow Chocolate Chip Cookie Tins, available at Baked in Color, from $30Many teachers keep a secret stash of their favorite treats hidden somewhere in their desks. Satisfy their sweet tooth with a tin of beautiful rainbow chocolate chip cookies.A story from the students' perspectiveTarget"Dear Teacher," available at Target, $11.16Perfect for preschool or kindergarten teachers, "Dear Teacher" is a love letter to all kinds of educators, written from the perspective of the kids who learn from them. It's an adorable message that teachers can share and appreciate with their students.A scented candle that reminds them of a happy placeAmazonHomesick Scented Candle, available at Amazon, from $31.28This is a great gift that's sure to make them feel sentimental. Whether it's their hometown, college town, or favorite spot to vacation, a Homesick candle — with scents inspired by all sorts of locations — will bring them back to that favorite place.A tablet and pen that lets them convey handwritten material remotelyAmazonXP-Pen Graphic Tablet, available at Amazon, $25.99One of the difficult aspects of remote learning is finding resourceful and convenient ways to mirror in-person tactics teachers use. This Graphic Tablet lets teachers draw using the stylus to convey information they may have handwritten before, such as math formulas or diagrams.A funny book of the best wrong test answersUncommon Goods"F in Exams" by Richard Benson, available at Uncommon Goods, $8.50After a stressful year for teachers, you may want to celebrate the funny and lighthearted side of the job. This book compiles some of the most amusing and inventive real-life wrong answers to grade school and high school tests.A personalized embosser for their personal libraryEtsyCustom Stamp, available at Etsy, from $34.50This unique, thoughtful gift embosses books with "from the library of [their name]" by pressing down like a hole-puncher. It's the kind of thing most people would never buy themselves but would genuinely cherish and get a kick out of if they received it as a present.The best water bottle they'll ever useAmazonHydro Flask Water Bottle, available at Amazon, from $36.07A stellar water bottle is a timeless life upgrade, but it'll be especially useful this summer. This stainless steel version from HydroFlask is the best water bottle you can buy, thanks to insulated stainless steel that keeps cold drinks cold for up to 24 hours and hot drinks hot for up to six. Delicious food from some of the most loved restaurants in the countryGoldbellyGoldbelly Restaurant Meal Kits, available at Goldbelly, from $35.95Bring a bit of their favorite restaurant right to their door. From bagels to barbeque, Goldbelly ships food gifts nationwide from iconic eateries in major cities.A small, water-resistant speaker to enjoy outside this summerAmazonSoundcore Flare Mini Bluetooth Speaker, available at Amazon, $42.99Ensure they enjoy the summer with a portable, water-resistant speaker like this version from Anker. It's got a 12-hour battery life as well as LED lights on the bottom that they can adjust for five different lighting moods. We think it's the best relatively cheap Bluetooth speaker you can buy.A comfy sleep maskAmazonLuxury Sleep Mask, available at Amazon, $14.95Gift a comfortable sleep mask and help them get the kind of restorative, deep sleep they must need this year.A coloring book full of phrases your teacher can relate all too well toAmazonTeacher Life: A Snarky Chalkboard Coloring Book, available at Amazon, $5.99There are some situations that only teachers can understand, and this adult coloring book perfectly captures them with humor and cheekiness. The illustrations are single-sided, so they can take the page out and frame it if they so wish. Substantial, comfortable socksBombasMen's or Women's socks, available at Bombas, from $12.50Adulthood transforms socks from a banal, unexciting gift to a precious life upgrade. Bombas makes some of our favorite and most comfortable pairs, and we love to gift them to friends and family.A convenient wireless phone chargerAmazonMoshi Otto Q Wireless Charger, available at Amazon, $39.95Make their life that much easier with a wireless fast-charging pad that they can simply set their phone on top of in order to charge. After years of using the Moshi Otto Q, we ranked this version the best wireless charger you can buy. It's compatible with iPhones, AirPods, Samsung Galaxy/Note, Google Pixel, and other Qi-enabled devices.A gift card for travel experiencesAirbnbGift an Airbnb gift card, from $25Summer vacation is almost here, and you can help your teacher plan some much-needed time off with an Airbnb gift card that never expires (and can be used for online experiences if they're not comfortable traveling right now).A small potted plant for their deskThe SillSnake Plant Laurentii, available at The Sill, from $28Instead of gifting a flower bouquet, try an indoor plant. It lasts longer and requires less maintenance, but livens up their desk just as well. A tote bagBAGGUBAGGU Giant Pocket Tote, available at BAGGU, $62BAGGU makes great bags and its machine-washable cotton totes are no exception. Help your teacher carry all those lesson plans, tests, and homework papers with this cute yet sturdy tote. An insulated mugAmazonHydro Flask 12 oz Coffee Mug, available at Hydro Flask, $24.95Whatever it is they drink in the morning to prepare them for the school day ahead, this insulated mug keeps the beverage at the appropriate temperature for an astonishingly long amount of time. It has a comfortable handle and comes in many bright colors. Takeout any time they want itDoorDash AppDoorDashDoordash Gift Card, available at DoorDash, from $25Teachers log long days to support and enrich the lives of their students. Make sure their next easy, delicious dinner and relaxing night in is comped with a Doordash gift card.A comfortable seat cushionPurple.FacebookPurple Seat Cushion, available at Purple, $65These cushions can help soothe sore muscles and alleviate back strain. They're available in a variety of designs and thicknesses. Read our full review here. A way to squeeze in leisure readingAudible/InstagramAudible 3-Month Membership, available at Amazon, $45In between grading papers and designing lesson plans, it might be hard for your teacher to carve out time to read a book (for fun). Audible is a great way to catch up on the bestsellers everyone's reading, appreciate the classics from a new angle, or finally dive into that book they keep falling asleep to in bed. Decadent cupcakes they can enjoyBaked By MelissaCupcake Gift Boxes, available at Baked by Melissa, from $34Who doesn't love getting a sweet surprise? With delicious flavors ranging from Cookie Dough to Pink Frosted Donut, these bite-size treats are sure to please. You can also add a special gift box to complete the gift.Practical, reusable silicone strawsFood52Five Two Silicone Straws Single Pack, available at Food52, $25Bendable, sustainable, and portable (thanks to the set of carrying cases), these fun straws are the accessory they can use in their classroom, at home, and on the go.A coffee subscriptionDriftaway Coffee InstagramCoffee Subscription, available at Driftaway, from $54.00Chances are the coffee in the teacher's lounge isn't exactly top-notch. Thankfully, Driftaway Coffee's is, and keeps things interesting by sending new whole bean varieties every month (and improving upon the next selection based on their feedback). By the end of the school year, your teacher will have a good idea of the type of coffee they really like. A detailed poster of the opening lines from famous novelsPop Chart LabLab 'Diagrammatical Dissertation on Opening Lines of Notable Novels', available at Pop Chart, $30English and grammar teachers will appreciate this chart diagramming the opening lines from 25 famous works of fiction. After admiring the partitioned, color-coded picto-grammatical representations, they'll want to read the books all over again. A fragrant candleOtherlandOtherland Candle, available at Otherland, $36These sophisticated coconut and soy wax candles come in scents ranging from refreshing Canopy (fig, ivy greens, mint) to rich Chandelier (champagne, saffron, leather). The beautiful look, delightful scents, and personalized matchbox make this candle gifting experience special. A heartfelt, personalized thank you cardEtsyPersonalized Winnie the Pooh Keepsake Greeting Card, available at Etsy, from $5.26Sometimes it just feels nice to be appreciated. A sweet card can go a long way — and it won't break the bank. A personalized notebook, planner, or address bookMintedTeach From The Heart Notebook, available at Minted, $18Give this one to the best teacher you know. You'll be able to customize the cover design, interior cover, and interior format of the notebook. A pillow massager for their neck and backAmazonZyllion Shiatsu Pillow Massager, available at Amazon, $64.95If you've ever caught your child's teacher looking stressed or tense, you can fix that with this heated at-home massager that feels almost like a professional massage. It has four deep-kneading rotating nodes to relieve aches, knots, and muscle tension. A fun tape dispenserAmazonOtto the Otter Tape Dispenser, available at Amazon, $17.99An adorable twist to the traditional, ugly tape dispenser will instantly liven up their desk. A cute, funny coffee mugEtsyWatch Me Click Now Watch Me Grade Grade mug, available at Etsy, $13.50A cute mug that reminds them of their grateful students can be a fun, routine moment of motivation in a busy day.A cellphone standAmazonLamicall Cellphone Stand, available at Amazon, $10.99The simple, sleek, and durable stand is the perfect way to keep their device upright at just the right angle as they work. While it's a no-frills gift, it's undoubtedly practical and useful. A personalized desk signEtsyPersonalized Desk Wedge Sign, available at Etsy, from $25.99The wedge is a solid natural hardwood while the sign is shatter-resistant fogged acrylic glass, allowing it to last through any teacher's illustrious career. A gift card to stock up on versatile work shirtsDavid Slotnick/Business InsiderPublic Rec gift card, from $25Public Rec makes the most versatile polo shirt we've found, and many of the offerings from this athleisure brand are suitable for the classroom and beyond.A custom rubber stampEtsyCustom Stamp, available at Etsy, from $25Gift the stamp they'll always reach for first as they check and grade homework. You can get creative by submitting a picture of your teacher's face or their favorite catchphrase. There are three different mount choices and many more size options. A book-of-the-month subscription for summer readingBook of the Month/FacebookBook of the Month Membership, from three months for $49.99A hardcover book delivered monthly is a great way for a teacher to unplug and kick their feet up over summer break. Every month, they can choose from acclaimed fiction and nonfiction titles.A cozy plush blanketNordstromBliss Plush Throw, available at Nordstrom, $39.50Add to their home setup with a plush throw to wrap themselves in luxury. Available in a wide array of colors, this blanket adds coziness to any room.A novelty USB flash driveAmazonPink Pig USB 2.0 Flash Drive, available at Amazon, $12.99A cute and funny flash drive can instantly make work more fun. Sometimes, it's the little things. A smart home deviceAmazonAmazon Echo Dot, available at Amazon, $27.99For work or leisure, the small smart home device is endlessly useful. They can play Jeopardy, ask for recipes, listen to the news, turn lights on, play music, reorder products, and more.  A personalized key ring Leatherology/InstagramLeatherology Hotel Keychain, available at Leatherology, $15The full-grain leather keychain is a perfectly composed accessory that they'll love to carry, especially if you personalize it (for only $5) with a monogram. Beautiful note cube inspired by an American artistThe Met StoreLouis C. Tiffany Favrile Note Cube, available at The Met, $15Known for his stained glass work, Louis C. Tiffany lends his colorful and delicate designs to this tray, which hold 500 loose paper sheets and 50 color paper clips. Gift cardsTargetBuy a gift card from: Amazon, Target, StaplesAt the end of the day, teachers will always appreciate a gift card, especially if it's to a store where they can stock up on supplies. Read the original article on Business Insider.....»»

Category: topSource: businessinsiderMay 3rd, 2022

49 genuinely useful gifts to get your teacher for Teacher Appreciation Week

For Teacher Appreciation Week, show teachers you care with one of our gift ideas, from a mug warmer to gift cards. Prices are accurate at the time of publication.When you buy through our links, Insider may earn an affiliate commission. Learn more.For teacher appreciation week, show teachers your appreciation with one of our gift ideas, from a mug warmer to a gift card.Baked by MelissaThe best teachers work tirelessly inside and outside the classroom with endless enthusiasm, patience, and compassion along the way. Whether it's Teacher Appreciation Week or the last day of school, they deserve a little token of gratitude for all that they do.The greatest way to show a teacher that their work doesn't go unappreciated is by giving them a thoughtful gift, be it a sentimental card or a practical item that makes their life easier. Below, we outlined the best gifts for teachers, from delicious snacks to morning routine upgrades.49 of the best teacher gifts in 2022:A video montage from their studentsMontageGroup video gift, available at Montage, $29Nothing will bring happy tears to a teacher's eyes quite like a video montage from their students. The Montage platform makes it easy to compile videos — it sends email invitations to each person, provides instructions to upload their videos on the website, and compiles the videos into a montage with background music.Something to add to their snack stashSnack MagicSnack Magic Stash, available at Snack Magic, from $35Almost every teacher keeps a stash of snacks and treats for those days when they really need a pick-me-up. With a snack magic box, you can create a custom snack box full of treats the teacher will love.A comfortable space to workBed Bath & BeyondLapgear Lap Desk, available at Bed Bath & Beyond, $34.99Teachers inevitably have to bring their work home. With this lap desk, at least they can work comfortably from their bed or the couch as they lesson plan or grade on weekends. The desk comes in seven unique patterns.A personalized message from their favorite celebrityCameoCameo Video, available at Cameo, from $1Take the gold standard of teacher gifts — a personal and thoughtful letter — up a notch and have their favorite celebrity deliver the message. You can choose from thousands of celebrities to record a personalized video message to send to the teacher. (Since the more famous celebrities can be pricier, this can be a great gift to split with other classmates).Relaxing bath saltsRitualsMagnesium Bath Crystals, available at Rituals, $17.50Even the most energetic teacher knows that teaching can be exhausting. Give them something to help them relax and unwind at the end of a long day. These bath crystals are designed to soothe muscles and improve sleep quality.Something to make their classroom more comfortableSteph Coelho/Business InsiderHoneywell VersaHeat Digital Two Position Ceramic Personal Heater, available at Amazon and Walmart, $44.96Most teachers don't get to choose the temperature of their classroom, and shivering or sweating uncontrollably doesn't make for an ideal workday. With this space heater that also functions as a fan, they can make their classroom comfortable all year long. Just be sure to check that space heaters are allowed in classrooms before purchasing.Hand cream to combat drynessAmazonTonymoly Hand Cream, available at Amazon and Ulta, $12After washing and sanitizing their hands all day long, teachers' skin easily becomes dry and cracked. This premium peach hand cream will keep their hands soft and smelling nice.A warming plate for their coffeeAmazonMr. Coffee Mug Warmer, available at Bed Bath & Beyond, from $11.99It's a rare day that a teacher gets to finish their coffee before it gets cold. Give them the gift of perpetually warm coffee with this mug warmer they can plug in right at their desk.Bookends for their home or classroomWest ElmAgate Bookends, available at West Elm, from $34These beautiful bookends are made of solid agate. They can decide to use it in their home library or as a homey accent in their classroom. Something to satisfy their sweet toothBaked In ColorRainbow Chocolate Chip Cookie Tins, available at Baked in Color, from $30Many teachers keep a secret stash of their favorite treats hidden somewhere in their desks. Satisfy their sweet tooth with a tin of beautiful rainbow chocolate chip cookies.A scented candle that reminds them of a happy placeAmazonHomesick Scented Candle, available at Amazon, from $31.28This is a great gift that's sure to make them feel sentimental. Whether it's their hometown, college town, or favorite spot to vacation, a Homesick candle — with scents inspired by all sorts of locations — will bring them back to that favorite place.You can also gift funny, enjoyable versions of this candle — from an old book scent to something simply named "Thanks For Putting Up With My Kid." A tablet and pen that lets them convey handwritten material remotelyAmazonXP-Pen Graphic Tablet, available at Amazon, $25.99One of the difficult aspects of remote learning is finding resourceful and convenient ways to mirror in-person tactics teachers use. This Graphic Tablet lets teachers draw using the stylus to convey information they may have handwritten before, such as math formulas or diagrams.A funny book of the best wrong test answersUncommon Goods"F in Exams" by Richard Benson, available at Uncommon Goods, $8.50After a stressful year for teachers, you may want to celebrate the funny and lighthearted side of the job. This book compiles some of the most amusing and inventive real-life wrong answers to grade school and high school tests.A personalized embosser for their personal libraryEtsyCustom Stamp, available at Etsy, from $34.50This unique, thoughtful gift embosses books with "from the library of [their name]" by pressing down like a hole-puncher. It's the kind of thing most people would never buy themselves but would genuinely cherish and get a kick out of if they received it as a present.The best water bottle they'll ever useAmazonHydro Flask Water Bottle, available at Amazon, from $36.07A stellar water bottle is a timeless life upgrade, but it'll be especially useful this summer. This stainless steel version from HydroFlask is the best water bottle you can buy, thanks to insulated stainless steel that keeps cold drinks cold for up to 24 hours and hot drinks hot for up to six. Delicious food from some of the most loved restaurants in the countryGoldbellyGoldbelly Restaurant Meal Kits, available at Goldbelly, from $35.95Bring a bit of their favorite restaurant right to their door. From bagels to barbeque, Goldbelly ships food gifts nationwide from iconic eateries in major cities.A small, water-resistant speaker to enjoy outside this summerAmazonSoundcore Flare Mini Bluetooth Speaker, available at Amazon, $42.99Ensure they enjoy the summer with a portable, water-resistant speaker like this version from Anker. It's got a 12-hour battery life as well as LED lights on the bottom that they can adjust for five different lighting moods. We think it's the best relatively cheap Bluetooth speaker you can buy.A comfy sleep maskAmazonLuxury Sleep Mask, available at Amazon, $14.95Gift a comfortable sleep mask and help them get the kind of restorative, deep sleep they must need this year.A coloring book full of phrases your teacher can relate all too well toAmazonTeacher Life: A Snarky Chalkboard Coloring Book, available at Amazon, $5.99There are some situations that only teachers can understand, and this adult coloring book perfectly captures them with humor and cheekiness. The illustrations are single-sided, so they can take the page out and frame it if they so wish. Substantial, comfortable socksBombasMen's or Women's socks, available at Bombas, from $12.50Adulthood transforms socks from a banal, unexciting gift to a precious life upgrade. Bombas makes some of our favorite and most comfortable pairs, and we love to gift them to friends and family.A convenient wireless phone chargerAmazonMoshi Otto Q Wireless Charger, available at Amazon, $39.95Make their life that much easier with a wireless fast-charging pad that they can simply set their phone on top of in order to charge. After years of using the Moshi Otto Q, we ranked this version the best wireless charger you can buy. It's compatible with iPhones, AirPods, Samsung Galaxy/Note, Google Pixel, and other Qi-enabled devices.A gift card for travel experiencesAirbnbGift an Airbnb gift card, from $25Summer vacation is almost here, and you can help your teacher plan some much-needed time off with an Airbnb gift card that never expires (and can be used for online experiences if they're not comfortable traveling right now).A small potted plant for their deskThe SillSnake Plant Laurentii, available at The Sill, from $28Instead of gifting a flower bouquet, try an indoor plant. It lasts longer and requires less maintenance, but livens up their desk just as well. A tote bagBAGGUBAGGU Giant Pocket Tote, available at BAGGU, $62BAGGU makes great bags and its machine-washable cotton totes are no exception. Help your teacher carry all those lesson plans, tests, and homework papers with this cute yet sturdy tote. An insulated mugAmazonHydro Flask 12 oz Coffee Mug, available at Hydro Flask, $24.95Whatever it is they drink in the morning to prepare them for the school day ahead, this insulated mug keeps the beverage at the appropriate temperature for an astonishingly long amount of time. It has a comfortable handle and comes in many bright colors. Takeout any time they want itDoorDash AppDoorDashDoordash Gift Card, available at DoorDash, from $25Teachers log long days to support and enrich the lives of their students. Make sure their next easy, delicious dinner and relaxing night in is comped with a Doordash gift card.A comfortable seat cushionPurple.FacebookPurple Seat Cushion, available at Purple, $65These cushions can help soothe sore muscles and alleviate back strain. They're available in a variety of designs and thicknesses. Read our full review here. A way to squeeze in leisure readingAudible/InstagramAudible 3-Month Membership, available at Amazon, $45In between grading papers and designing lesson plans, it might be hard for your teacher to carve out time to read a book (for fun). Audible is a great way to catch up on the bestsellers everyone's reading, appreciate the classics from a new angle, or finally dive into that book they keep falling asleep to in bed. Decadent cupcakes they can enjoyBaked By MelissaCupcake Gift Boxes, available at Baked by Melissa, from $34Who doesn't love getting a sweet surprise? With delicious flavors ranging from Cookie Dough to Pink Frosted Donut, these bite-size treats are sure to please. You can also add a special gift box to complete the gift.Practical, reusable silicone strawsFood52Five Two Silicone Straws Single Pack, available at Food52, $25Bendable, sustainable, and portable (thanks to the set of carrying cases), these fun straws are the accessory they can use in their classroom, at home, and on the go.A coffee subscriptionDriftaway Coffee InstagramCoffee Subscription, available at Driftaway, from $54.00Chances are the coffee in the teacher's lounge isn't exactly top-notch. Thankfully, Driftaway Coffee's is, and keeps things interesting by sending new whole bean varieties every month (and improving upon the next selection based on their feedback). By the end of the school year, your teacher will have a good idea of the type of coffee they really like. A detailed poster of the opening lines from famous novelsPop Chart LabLab 'Diagrammatical Dissertation on Opening Lines of Notable Novels', available at Pop Chart, $30English and grammar teachers will appreciate this chart diagramming the opening lines from 25 famous works of fiction. After admiring the partitioned, color-coded picto-grammatical representations, they'll want to read the books all over again. A fragrant candleOtherlandOtherland Candle, available at Otherland, $36These sophisticated coconut and soy wax candles come in scents ranging from refreshing Canopy (fig, ivy greens, mint) to rich Chandelier (champagne, saffron, leather). The beautiful look, delightful scents, and personalized matchbox make this candle gifting experience special. A heartfelt, personalized thank you cardEtsyPersonalized Winnie the Pooh Keepsake Greeting Card, available at Etsy, from $5.26Sometimes it just feels nice to be appreciated. A sweet card can go a long way — and it won't break the bank. A personalized notebook, planner, or address bookMintedTeach From The Heart Notebook, available at Minted, $18Give this one to the best teacher you know. You'll be able to customize the cover design, interior cover, and interior format of the notebook. A pillow massager for their neck and backAmazonZyllion Shiatsu Pillow Massager, available at Amazon, $64.95If you've ever caught your child's teacher looking stressed or tense, you can fix that with this heated at-home massager that feels almost like a professional massage. It has four deep-kneading rotating nodes to relieve aches, knots, and muscle tension. A fun tape dispenserAmazonOtto the Otter Tape Dispenser, available at Amazon, $17.99An adorable twist to the traditional, ugly tape dispenser will instantly liven up their desk. A cute, funny coffee mugEtsyWatch Me Click Now Watch Me Grade Grade mug, available at Etsy, $13.50A cute mug that reminds them of their grateful students can be a fun, routine moment of motivation in a busy day.A cellphone standAmazonLamicall Cellphone Stand, available at Amazon, $10.99The simple, sleek, and durable stand is the perfect way to keep their device upright at just the right angle as they work. While it's a no-frills gift, it's undoubtedly practical and useful. A personalized desk signEtsyPersonalized Desk Wedge Sign, available at Etsy, from $25.99The wedge is a solid natural hardwood while the sign is shatter-resistant fogged acrylic glass, allowing it to last through any teacher's illustrious career. A gift card to stock up on versatile work shirtsDavid Slotnick/Business InsiderPublic Rec gift card, from $25Public Rec makes the most versatile polo shirt we've found, and many of the offerings from this athleisure brand are suitable for the classroom and beyond.A custom rubber stampEtsyCustom Stamp, available at Etsy, from $25Gift the stamp they'll always reach for first as they check and grade homework. You can get creative by submitting a picture of your teacher's face or their favorite catchphrase. There are three different mount choices and many more size options. A book-of-the-month subscription for summer readingBook of the Month/FacebookBook of the Month Membership, from three months for $49.99A hardcover book delivered monthly is a great way for a teacher to unplug and kick their feet up over summer break. Every month, they can choose from acclaimed fiction and nonfiction titles.A cozy plush blanketNordstromBliss Plush Throw, available at Nordstrom, $39.50Add to their home setup with a plush throw to wrap themselves in luxury. Available in a wide array of colors, this blanket adds coziness to any room.A novelty USB flash driveAmazonPink Pig USB 2.0 Flash Drive, available at Amazon, $12.99A cute and funny flash drive can instantly make work more fun. Sometimes, it's the little things. A smart home deviceAmazonAmazon Echo Dot, available at Amazon, $27.99For work or leisure, the small smart home device is endlessly useful. They can play Jeopardy, ask for recipes, listen to the news, turn lights on, play music, reorder products, and more.  A personalized key ring Leatherology/InstagramLeatherology Hotel Keychain, available at Leatherology, $15The full-grain leather keychain is a perfectly composed accessory that they'll love to carry, especially if you personalize it (for only $5) with a monogram. Beautiful note cube inspired by an American artistThe Met StoreLouis C. Tiffany Favrile Note Cube, available at The Met, $15Known for his stained glass work, Louis C. Tiffany lends his colorful and delicate designs to this tray, which hold 500 loose paper sheets and 50 color paper clips. Gift cardsTargetBuy a gift card from: Amazon, Target, StaplesAt the end of the day, teachers will always appreciate a gift card, especially if it's to a store where they can stock up on supplies. Read the original article on Business Insider.....»»

Category: topSource: businessinsiderMay 2nd, 2022

32 Mother"s Day gifts you can personalize for that special touch, from unique prints to monogrammed bags

For Mother's Day this year, give Mom a personalized, one-of-a-kind gift that celebrates just how unique she is. Prices are accurate at the time of publication.When you buy through our links, Insider may earn an affiliate commission. Learn more.For Mother's Day this year, give Mom a personalized, one-of-a-kind gift that celebrates just how unique she is.Mark & Graham; AuRateA personalized item, even if it's the simple addition of a monogram, goes a long way in showing that you put thought into the gift. It makes the recipient feel special whenever they use or wear it, and one person in our lives who undoubtedly deserves to feel special is Mom. From monogrammed suitcases to photo gifts and special maps that could only belong to her, these personalized gifts take the extra step to make a big impact this Mother's Day.Personalized gift options are also a great opportunity to acknowledge that Mother's Day looks different for everyone: a kind and personalized gesture can make anybody's day this May, regardless of what May 8 will look like for them. Get creative with these 32 personalized Mother's Day gift ideas: This list includes a Sponsored Product that has been suggested by Function of Beauty. It also meets our editorial criteria in terms of quality and value.*A custom candy boxSugarwishPersonalize a Sugarwish gift box, from $23Best for: The mom with a sweet tooth Nothing's quite as sweet as a custom gift box filled with Mom's favorite candy, popcorn, cookies, snacks, or coffee. Once you purchase Mom's Sugarwish order, she gets a message prompting her to choose the treats and shipping timeframe.A thoughtful book by her favorite authorAmazonPersonalize the "100 Things I Love About Mom" Book at Amazon, $12.49Best for: The sentimental mom It doesn't get more personal than a custom book for Mom written by their own child. Although there's a bit more work required to prepare this gift than ordering a pre-personalized item, incorporating your own thoughts and words will make it even more memorable. Custom haircare designed just for themFunction of BeautyPersonalize Shampoo & Conditioner at Function of Beauty, from $29.99Best for: Moms with custom hair needsHaircare looks different for everyone, which is why Function of Beauty is an excellent choice for those with specific hair needs. Customize their shampoo or conditioner based on their preferences, or send a gift card so they can explore what works best for them.*Sponsored by Function of Beauty.A chic travel caseMark & GrahamPersonalize the Small Travel Jewelry Case at Mark & Graham, from $59Best for: The mom who's always on the go Simple meets personal with this custom travel jewelry case that adorns Mom's initials. Although intended for travel, it could easily be an at-home staple to store jewelry all year long. A thoughtful frame they can admire at any timeUncommon GoodsPersonalize the Note to Mom Picture Frame at Uncommon Goods, from $48Best for: Moms who love to reflect on their favorite memoriesA wooden frame with a custom message is a discrete enough, but still incredibly thoughtful way to demonstrate your love. You can order the frame on its own, opt for a typed message, or even include a handwritten message on the back. A refillable, leather journal with her initialsLeatherologyPersonalize the Medium Journal at Leatherology, $70 + $10-$15 monogramBest for: The list makerFor the mom who loves organizing her thoughts or jotting down to-do lists, a monogrammed leather journal is the perfect gift. This one is sure to last — she can order as many paper refills as she needs.A flower arrangement curated by youFloracracyPersonalize a flower arrangement at Floracracy, $155-$350Best for: The Mom who loves a classic gift Floracracy guides you through the personalization process with questions about the occasion, the receiver, the message, and the aesthetic. After the brief questionnaire, you can choose the shape, size, color palette, and flowers that match your mom's taste.You can read more about our experience with Floracracy in our guide to the best online flower delivery services and our full review of Floracracy. A candle with a custom message on the backHomesickPersonalize the Thank You, Mom Candle at Homesick Candles, $27 + $5-$15 personalizationBest for: The scent-imental momThis floral-scented candle may look ordinary, but she'll find a heartfelt message from you when she turns it around to see the back. You can write custom notes on both the packaging and the actual candle for extra thoughtful touches.For our full review of Homesick Candles, read on here.An apron labeled with her nameWilliams-SonomaPersonalize the Classic Solid Adult Apron at Williams-Sonoma, $24.95 + $12 personalizationBest for: The home chefAn apron is a great gift for any mom who loves to cook or bake, but you can make it even more special with this personalized apron from Williams-Sonoma. There are a variety of apron colors, fonts, and font colors to make this apron special for Mom.A sleek, leather AirPod case with her initialsThe Daily EditedPersonalize the Saffiano AirPod Case at The Daily Edited, $40Best for: The podcast or audiobook enthusiastThe mom who appreciates tech gadgets will enjoy having a sophisticated home for her AirPods. You get to select everything from the font, text, and font size to the font color, text position, and greeting card. The Daily Edited offers custom cases in an array of neutral colors for the AirPods and AirPods Pro, and in either pebbled or saffiano leather.A custom jersey from her favorite teamMLB ShopPersonalize a Women's Custom Jersey at MLB Shop, $149.99Best for: The sports fanThe sports fanatic mom will enjoy repping her favorite team with the team's name on the front and her own on the back. You can even pick her favorite number to go below her name. Although this one is specifically for Major League Baseball, you can easily find custom jerseys from other professional sports leagues, too.You can browse more of our gift ideas for sports fans here.A letter charm necklaceAUratePersonalize the Mini Gold Letter Charm Pendant at AUrate, $250Best for: The mom who enjoys simplicity This 14-karat piece of gold jewelry is sure to make your mom feel special every day. If this isn't quite her style, there are more personalized jewelry gift ideas for Mom here.A set of custom bookendsAmazonPersonalize the Framed Bookends at Amazon, $49.95Best for: The avid readerWhat better way to hold up Mom's collection of hardcovers than with a custom set of bookends? Choose a photo along with a name, an important place, an inside joke, or really whatever you'd like to fill out the set. A custom box of M&M'sM&M'sPersonalize the M&M's Candy Gift Box, from $29.99Best for: The candy fanSatisfy Mom's sweet tooth with some customized candy. You can choose the colors of the M&M's and then personalize them with any pictures or writing you'd like. A personal-styling serviceStitch Fix/InstagramGift a Stitch Fix gift card, from $20Best for: The style icon Shopping can be difficult and time-consuming, which is where the stylists at Stitch Fix come in. A great gift for busy moms, the service delivers the newest trends and styles to fit any occasion and price point. A monogrammed leather makeup bagLeatherologyPersonalize the Large Clamshell Makeup Bag at Leatherology, $100 + $10 monogramBest for: The Mom of the "fewer, better" mindsetChoose up to six characters and the color for the monogram of this leather bag. The size is perfect for travel-sized toiletries and makeup and has a waterproof lining to protect the leather.A pair of Nike shoes in her favorite colorsNike/InstagramPersonalize a pair of sneakers at Nike, from $120Best for: The athlete Whether she runs occasionally to clear her mind or is the family's resident marathoner, she'll love a pair of shoes to truly call her own. More than 70 styles, including casual walking shoes, soccer cleats, and basketball shoes, can be designed from the outsole to the laces. A photo calendarArtifact UprisingPersonalize the Brass Easel and Calendar at Artifact Uprising, from $59Best for: The 365-day MomThis classy, solid brass piece makes a beautiful desktop display, and the pictures add warmth and familiarity. The hardest part is choosing only 12 of your favorite photos to include.A constellation mapEtsyPersonalize the Constellation Print at Etsy, from $55Best for: The stargazerThis Etsy shop lets you choose three different locations of significance. You're in charge of picking the color, location, exact text under each map, and font style. The artist will take care of the rest. A custom map of anywhere in the worldGrafomap/InstagramPersonalize a map print at Grafomap, from $49Best for: The mom always walking down memory laneIf the stars aren't aligning for you, try this type of map instead. After choosing a design theme, zoom out to your mom's favorite country or get hyperlocal and zoom in to an exact neighborhood.A monogrammed water bottleS'well/InstagramPersonalize a water bottle at S'well, from $25 + $10 monogramBest for: The mom who elevates the ordinaryThese sleek colors and shapes bring a new elegance to an ordinary water bottle. S'well's bottles keep beverages cold for 24 hours and hot for 12. An engravable watchTimexPersonalize a watch at Timex, from $75Best for: The mom who loves subtle nostalgia The dial, case, and strap can all be customized, plus adding an engraving on the back is free. Whether you want to make a time-related pun, engrave simple initials, or squeeze in a concise message, the back is yours to own. A hand-painted monogrammed suitcaseAwayPersonalize a suitcase at Away, from $245 with $50 monogramming costBest for: The traveler Hand-painted by a lettering artist in New York City, these monogrammed suitcases take two to three weeks to ship, so plan accordingly. With their smart features, compact design, and array of colors, they're worth the wait. Another suitcase she can customize beyond a monogramROAMGift a Roam Gift Card, from $120Best for: The Mom who loves to stand outIf you think she'll want to go beyond a simple monogram, she's better off with a Roam carry-on. Nine parts of the lightweight hardshell suitcase are customizable, allowing her to flex her creative color chops. A custom quote printMintedPersonalize a quote print at Minted, from $38Best for: The mom who pays attention to every wordSpotlight a quote from her favorite film, book, or song, or even quote Mom herself. There are many font colors, sizes, and frames to choose from. A simple personalized t-shirtKnown Supply/InstagramPersonalize the Fitted Crew at Known Supply, $32 + $10 monogramBest for: The cozy momLet the world know who your mom is with this comfortable Pima cotton basic tee embroidered in cute, loopy cursive.A vitamin-and-supplement subscriptionCare/ofGift a Care/of gift card, from $30Best for: The fan of convenienceBefore Care/of, gifting a pack of vitamins would be strange, but the company has somehow normalized the process with its personalized packaging and even more personalized vitamin plans. After taking a quiz, she'll learn which vitamins and supplements she needs most and can get them conveniently delivered to her house. A monogrammed leather toteCuyanaPersonalize the Classic Leather Tote at Cuyana, $198 + $15 monogramBest for: The commuterThis everyday bag is made from Italian leather and comes in a variety of neutral colors like black, navy, and caramel. It's versatile for Mom's different uses, like work, errands, or a weekend trip.A sound-wave art printEtsyPersonalize the Sound Wave Art at Etsy, from $70Best for: The music loverThis one-of-a-kind gift is a visual piece with a surprising auditory twist: the artist converts the audio file of anyone's voice into a sound wave, whether it's yours or your mom's.Fluffy, embroidered hand towelsWeeziePersonalize a pair of hand towels at Weezie, $54 + $15 embroideryBest for: The mom who loves to hostMore than 300 style combinations are possible with Weezie's personalization options, which let you choose the piping color, embroidery style, and embroidery color of the soft, durable cotton towels. You can go simple with a block-letter monogram or fancier with a 12-character script. A photo phone caseCasetifyPersonalize a photo phone case at Casetify, from $45Best for: The tech enthusiastCasetify's easy-to-use design interface offers tons of options to turn an ordinary phone case into a completely unique one. You can connect to an Instagram account to make choosing photos a breeze. A personalized body care set that uses her favorite scents.....»»

Category: topSource: businessinsiderApr 26th, 2022

The best new books to read in 2022, based on your zodiac sign

Whether you're an independent Aries or connection-driven Gemini, here are great 2022 book recommendations based on your zodiac sign. Prices are accurate at the time of publication.Whether you're an independent Aries or connection-driven Gemini, here are great 2022 book recommendations based on your zodiac sign.IStock PhotoWhen you buy through our links, Insider may earn an affiliate commission. Learn more. With so many great books to choose from, finding a great read can be overwhelming. To help, here are newly released 2022 book recommendations based on your astrological sign. These picks include exciting new fiction and nonfiction reads in 2022. With so many amazing books on the market, it can feel impossible to choose the one you know you'll enjoy. As a Leo who doesn't fiercely crave the spotlight, I know our astrological signs don't create a flawless, spot-on image of who we are. But they can offer intriguing insights into what motivates or interests us.These 2022 books focus on great characters, stunning writing styles, and unique plots that mirror zodiac personality traits for each sign. So whether you're an independent Aries or connection-driven Gemini, here are 3 great 2022 book recommendations based on your zodiac sign. Learn more about how Insider Reviews reviews and researches books.The best 2022 books to read, based on your zodiac sign:Aries"The Memory Librarian" by Janelle MonáeAmazon"The Memory Librarian" by Janelle Monáe, available on Amazon and Bookshop, from $23.99This collection of science fiction short stories begins with Jane 57821, who decides to break free from a world in which your thoughts can be controlled and erased by a select few. As a  natural leader that craves leadership and freedom, Aries will love the powerful characters rising against a totalitarian landscape in this inspired and artistic read."The Verifiers" by Jane PekAmazon"The Verifiers" by Jane Pek, available on Amazon and Bookshop, from $14.59Featuring a strong, quick-witted heroine with which Aries can easily identify, "The Verifiers" is a mystery that follows Claudia Lin, an amateur sleuth who's just been recruited to work for an online-dating detective agency. In a story that will appeal to Aries' bold and brave nature, Claudia has to break protocol to investigate when someone goes missing."The Lost Dreamer" by Lizz HuertaAmazon"The Lost Dreamer" by Lizz Huerta, available on Amazon and Bookshop, from $14.99In this debut YA fantasy, Indir is a Dreamer whose existence is threatened when a new king seeks to bring her kind to a permanent end and Saya is a seer who discovers she has more than one gift. Aries will love these two determined trailblazers as they face impossible choices, new frontiers, and high-stakes risks in this supernatural read inspired by ancient Mesoamerica.Taurus"The Nineties" by Chuck KlostermanAmazon"The Nineties" by Chuck Klosterman, available on Amazon and Bookshop, from $17.78This new nonfiction read revisits 1990s America, recognizing the accelerated cultural revolution that occurred before convenience technology crept into everyday life. While "The Nineties" is a fascinating analysis of a decade of social rifts and shifts, Tauruses will revel in the nostalgia and the "good old days" feelings from which they've never quite let go."Homicide and Halo-Halo" by Mia P. ManansalaAmazon"Homicide and Halo-Halo" by Mia P. Manansala, available on Amazon and Bookshop, from $13.39"Homicide and Halo-Halo" is a cozy, tasty mystery novel about Lila Macapagal, whose summer is turned upside down when a resurrected local beauty pageant leads to the murder of a judge. Taurus readers will love to settle into the comfort of this foodie mystery novel as Lila and her old rival put aside their past to solve the case."House of Sky and Breath" by Sarah J. MaasAmazon"House of Sky and Breath" by Sarah J. Maas, available on Amazon and Bookshop, from $17.74"House of Sky and Breath" is the stunning fantasy sequel to "House of Earth and Blood." In this novel, the dust has just begun to settle around Bryce Quinlan and Hunt Athalar when they get pulled into rebel plans and must continue to fight for what's right. Tauruses will revel in the sheer beauty of this book, both inside and out, and enjoy the familiarity of a continued but equally captivating story.Gemini"All My Rage" by Sabaa TahirAmazon"All My Rage" by Sabaa Tahir, available on Amazon and Bookshop, from $12.99While "All My Rage" will certainly appeal to Geminis because of its multiple storylines that stretch generations and continents, it's the connection between characters that will truly speak to Gemini readers. Sal and Noor were as close as family members until a terrible fight split them apart. Now, as each former friend struggles against personal and familial trials, they must weigh the value of friendship against what once divided them in this story of family, loss, and forgiveness."Gallant" by V.E. SchwabAmazon"Gallant" by V.E. Schwab, available on Amazon and Bookshop, from $14.95When a strange letter invites Olivia Prior home to the secret-laden Gallant, she accidentally finds herself on the other side of a ruined wall, in a strange alternate version of the world she just left. As they are curious and extremely adaptable, Gemini readers will love to follow Olivia as she unravels generations of secrets and tries to find the place she belongs."Don't Cry for Me" by Daniel BlackAmazon"Don't Cry for Me" by Daniel Black, available on Amazon and Bookshop, from $22.48As Jacob lies on his deathbed, he begins to write letters to his estranged son, Isaac, pouring out truths from his heart and ancestral stories he believes his son should know. Geminis, who are natural communicators and expressive with their emotions, will undoubtedly cherish this hopeful and authentic story of empathy, reconciliation, and forgiveness.Cancer"Black Cake" by Charmaine WilkersonAmazon"Black Cake" by Charmaine Wilkerson, available on Amazon and Bookshop, from $17.81Cancers are family-oriented and drawn to nurturing, so the moving familial story of "Black Cake" is sure to be a great pick for this water sign. In the wake of their mother's passing, Byron and Benny are left with a voice recording and a family recipe for a traditional Caribbean black cake. As the once-close siblings attempt to fulfill their mother's final wish, they embark on a journey of inheritance, family history, and motherhood."Book Lovers" by Emily HenryBookshop"Book Lovers" by Emily Henry, available on Amazon and Bookshop, from $14.99With their hard shell and soft interior, it's easy to know Cancers will love an enemies-to-lovers romance. Nora Stephens is a cutthroat literary agent ready to become the heroine of her own story when she takes a trip with her sister to Sunshine Falls, North Carolina. Hundreds of miles from the city, Nora still manages to run into editor Charlie Lastra, with whom she's had more than her share of unpleasant interactions, but can't seem to avoid in this bookish romance."Vinyl Moon" by Mahogany L. BrowneAmazon"Vinyl Moon" by Mahogany L. Browne, available on Amazon and Bookshop, from $14.53As Angel attempts to heal from a painful incident that led her to Brooklyn and away from her California life, she manages to find healing in her literature course, amongst the prose of Black writers. As Cancers are sensitive but protective of their emotions, Angel's story will resonate with Cancer readers as she allows herself to become immersed in words and slowly heal from her past. Leo"The Paris Apartment" by Lucy FoleyAmazon"The Paris Apartment" by Lucy Foley, available on Amazon and Bookshop, from $18.16Lucy Foley's newest twisty thriller, set in a Parisian apartment surrounded by eclectic and mysterious neighbors, is a great pick for any drama-loving Leo. When Jess is in need of a fresh start, her half-brother apathetically agrees to let her stay with him for a while but seems to be missing once she turns up at his apartment. As Jess begins to investigate his strange disappearance, it soon becomes clear that every neighbor is a suspect with their own secrets. "Run Rose Run" by James Patterson and Dolly PartonAmazon"Run Rose Run" by James Patterson and Dolly Parton, available on Amazon and Bookshop, from $18.00Co-written by a musical legend and one of the bestselling authors of all time, "Run Rose Run" is a fast-paced mystery about a young girl who comes to Nashville to rise to the top while outrunning her past. Leo readers will root for AnnieLee Keyes while reveling in the danger, drama, and desire of this page-turner. "Ramón and Julieta" by Alana Quintana AlbertsonAmazon"Ramón and Julieta" by Alana Quintana Albertson, available on Amazon and Bookshop, from $14.40Celebrity Chef Julieta Campos is fighting against a bitter rivalry, rising tensions, and a surprising connection to her new landlord, Ramón, to save her beloved taqueria. Strong, ambitious, and determined Leos are sure to love this contemporary retelling of "Romeo and Juliet" as Ramón and Julieta must decide if they'll allow rivalries to divide them or allow love to bring them together. Virgo"To Paradise" by Hanya YanagiharaBookshop"To Paradise" by Hanya Yanagihara, available on Amazon and Bookshop, from $20.18Internally emotional and detail-oriented Virgos will find themselves easily immersed in "To Paradise", a powerful literary novel that spans three centuries from an alternate 1893 reality, to 1993 Manhattan submerged in the AIDS epidemic, to a totalitarian future in 2093. As the three sections of this incredible novel come together, the characters connect through their perfectly flawed humanity."The Intersectional Environmentalist" by Leah ThomasBookshop"The Intersectional Environmentalist" by Leah Thomas, available on Amazon and Bookshop, from $20.99Since Virgos are intellectual and resourceful problem-solvers, "The Intersectional Environmentalist" is a great nonfiction pick for Virgo readers. In this book, Leah Thomas demonstrates how minorities, especially BIPOC, are significantly more impacted by environmental injustices. Both an informational read and a call to action, this book shows how the fight for civil rights and our environment are irrevocably intertwined."What My Bones Know: A Memoir of Healing from Complex Trauma" by Stephanie FooAmazon"What My Bones Know: A Memoir of Healing from Complex Trauma" by Stephanie Foo, available on Amazon and Bookshop, from $23.99"What My Bones Know" is a powerful memoir about Stephanie Foo's journey to understand the years of abuse and generational trauma that led to her diagnosis of complex PTSD. Because Virgos are compassionate and driven to understand and support others, Stephanie Foo's deeply personal and heavily researched memoir will affect Virgio readers with a painful but hopeful and enlightening story. Libra"Weather Girl" by Rachel Lynn SolomonAmazon"Weather Girl" by Rachel Lynn Solomon, available on Amazon and Bookshop, from $11.99This charming new love story is perfect for eternally romantic Libras. Ari Abrams and Russell Barringer work together on a news team, both subjected to the constant conflict of their divorced bosses. After a calamitous work party, Ari and Russell decide to secretly meddle in their bosses' issues in the hopes of mending their relationship until their plan backfires and they realize the real chemistry might be between them instead."The Violin Conspiracy" by Brendan SlocumbAmazon"The Violin Conspiracy" by Brendan Slocumb, available on Amazon and Bookshop, from $17.88When Ray McMillian's prized family heirloom violin is stolen just before an international competition, his dreams of becoming a professional musician seem to be crushed. Libras, who value fairness and balance, will root for Ray as others, from family to foe, try to claim the precious violin as their own."Fiona and Jane" by Jean Chen HoAmazon"Fiona and Jane" by Jean Chen Ho, available on Amazon and Bookshop, from $16.99Social and diplomatic Libras will love "Fiona and Jane," an alternating collection of short stories that illuminate two best friends who drift in and out of each other's lives over two decades. Best friends through childhood and adolescence, Fiona and Jane are separated by distance and betrayals but brought together by a multi-layered friendship in this contemplative read.Scorpio"An Arrow to the Moon" by Emily X. R. PanAmazon"An Arrow to the Moon" by Emily X. R. Pan, available on Amazon and Bookshop, from $16.99When a new boy named Hunter Yee upends Luna Chang's life, their shared family secrets and hostility will bring them together in the face of an uncertain future. As Scorpios are intense and passionate, this magical retelling of "Romeo and Juliet" mixed with Chinese mythology will draw them in as Hunter and Luna are torn between fate and love. "Time Is a Mother" by Ocean VuongAmazon"Time Is a Mother" by Ocean Vuong, available on Amazon and Bookshop, from $21.22"Time Is a Mother" is a deeply emotional, intimate, and slowly rejuvenating collection of poems that will speak to Scorpios' brooding and powerfully emotional side. In these poems, Ocean Vuong grapples with grief, loss, and restoration in the wake of his mother's passing."Sea of Tranquility" by Emily St. John MandelAmazon"Sea of Tranquility" by Emily St. John Mandel, available on Amazon and Bookshop, from $17.38Since Scorpios crave psychological depth, "Sea of Tranquility" is sure to connect with their powerful mind. This epic, genre-bending tale illuminates humanity as it follows characters across time and space from the Canadian wilderness in 1912 to a writer who has left her colony on the moon to travel the Earth on a book tour. This novel is simply mesmerizing as Emily St. John Mandel creatively weaves three main stories into a transcendent work of fiction.Sagittarius"Violeta" by Isabel AllendeBookshop"Violeta" by Isabel Allende, available on Amazon and Bookshop, from $24.99Born in 1920, Violeta's 100-year life is marked by revolutionary events, from the Great Depression to suffrage to personal heartbreak and great joy, outlined in this novel as she tells her incredible life story in a letter to her grandson. Because Sagittariuses crave exploration that leads to personal expansion, this historical fiction epic is sure to dazzle."The Cartographers" by Peng ShepherdAmazon"The Cartographers" by Peng Shepherd, available on Amazon and Bookshop, from $25.19When Nell Young's legendary cartographer father is found dead in his office, she finds an incredibly rare and valuable map, possibly the last copy in the world. With a passion of her own for cartography, Nell sets out to uncover the secrets behind the map, her father, and the fight that tore their relationship apart. Sagittarius readers love adventure and anything that helps them understand the world better, so this new fantasy would make a great read."How High We Go in the Dark" by Sequoia NagamatsuAmazon"How High We Go in the Dark" by Sequoia Nagamatsu, available on Amazon and Bookshop, from $19.97"How High We Go in the Dark" is an intricately told story about an accidentally unleashed Arctic Plague that devastates and reshapes humanity. Following a series of loosely connected characters and unique stories, this science fiction book is great for Sagittarius readers, who are curious explorers always seeking new ideas.Capricorn"How to Be Perfect: The Correct Answer" to Every Moral Question by Michael SchurAmazon"How to Be Perfect: The Correct Answer" to Every Moral Question by Michael Schur, available on Amazon and Bookshop, from $23.14Since they're always searching for the answer to success, "How to Be Perfect" is a great new nonfiction read for Capricorns. Funny and thought-provoking, this philosophical book analyses complex ethical questions and searches for an ultimate "right" answer to each one through different insightful perspectives. Plus, Capricorns love having a greater perspective and finding a balance where success meets emotional and spiritual truths."The Atlas Six" by Olivie BlakeAmazon"The Atlas Six" by Olivie Blake, available on Amazon and Bookshop, from $17.41This super popular fantasy book is about the Alexandrian Society, a secret and revered group of magical academicians that only considers six magicians per decade to attempt initiation into their society of wealth, power, and prestige. Drawn to all of these attributes, Capricorns will love to follow the six newest candidates as they fight to prove themselves and survive amongst their greatest rivals. "What the Fireflies Knew" by Kai HarrisBookshop"What the Fireflies Knew" by Kai Harris, available on Amazon and Bookshop, from $18.20When KB and her sister, Nia, are sent to live with their estranged grandfather, they are still grappling with their father's death and the loss of their family home. With a disconnected family, sometimes-friendly neighbors, and a looming feeling of loneliness, KB must make sense of the pieces of her new, challenging life in this coming-of-age novel that Capricorns will cherish because of their own determination to succeed despite adversity.Aquarius"Wahala" by Nikki MayAmazon"Wahala" by Nikki May, available on Amazon and Bookshop, from $18.73Social and fascinated by group dynamics, Aquarius readers will love this novel about Ronke, Boo, and Simi, who each have very different lives but are kept close by their deep and longstanding friendship. When the charismatic Isobel arrives and begins to infiltrate their small circle, chaos slowly ensues and threatens to dismantle relationships, aspirations, and trust in this entertaining read. "Moon Witch, Spider King" by Marlon JamesBookshop"Moon Witch, Spider King" by Marlon James, available on Amazon and Bookshop, from $23.99In this sequel, Sologon, the 177-year-old Moon Witch, fights to tell her side of the magical and unforgettable story from "Black Leopard, Red Wolf." Curious, grounded, and proud to stand out from the pack, Aquarius readers will appreciate Sologon's perspective and crave to understand the reasoning behind her actions."South to America: A Journey Below the Mason Dixon to Understand the Soul of a Nation" by Imani PerryAmazon"South to America: A Journey Below the Mason Dixon to Understand the Soul of a Nation" by Imani Perry, available on Amazon and Bookshop, from $23.16"South to America" anecdotal history of the American South is a great pick for Aquariuses, as they seek knowledge to better understand the world in order to make a powerful difference. This nonfiction read uses personal, political, and historical stories to demonstrate that the key to a greater, more equitable future lies in understanding the complexities of the South.Pisces"One Italian Summer" by Rebecca SerleBookshop"One Italian Summer" by Rebecca Serle, available on Amazon and Bookshop, from $16.08Pisces are known for their emotional and intuitive nature and walking the line between fantasy and reality, so "One Italian Summer" is the perfect Pisces read. This book uses magical realism to bring Katy's story to life as she adventures on a mother-daughter trip alone shortly after her mom passes away. On the magical and alluring Amalfi Coast, Katy can somehow see her mother and get to know her as the young woman she once was."You Truly Assumed" by Laila SabreenAmazon"You Truly Assumed" by Laila Sabreen, available on Amazon and Bookshop, from $15.15In "You Truly Assumed", a terrorist attack and growing Islamophobia brings three Black Muslim girls together over a blog used as an outlet and support system for a community of Muslim teens across the country. As Pisces readers are deeply compassionate and empathetic, the characters in this YA novel will resonate as they push back against the threats and hatred they receive in the fight to create a safe space for themselves and other Muslim teens."You Made a Fool of Death with Your Beauty" by Akwaeke EmeziBookshop"You Made a Fool of Death with Your Beauty" by Akwaeke Emezi, available on Amazon and Bookshop, from $24.30Five years after the accident that killed the love of her life, Feyi Adekola wants to ease into dating again when she's whisked into a whirlwind summer of romance and luxury, complicated by an off-limits potential relationship that leaves her searching for real answers. Pisces are sure to love the passion in Akwaeke Emezi's writing and want to follow Feyi to the very last page as she seeks joy and healing after loss. Read the original article on Business Insider.....»»

Category: topSource: businessinsiderApr 25th, 2022

"There Is No Place Left To Hide": Mike Wilson Says The Bear Market Is About To Turn Grisly

"There Is No Place Left To Hide": Mike Wilson Says The Bear Market Is About To Turn Grisly The last time we heard from Morgan Stanley's chief US equity strategist Mike Wilson one week ago, he was plumbing the depths of bearishness (as much as Morgan Stanley would permit him of course: as we have long noted, Bank of America's own in house "Michael" strategist -  that would be Hartnett - has been far more bearish), and he concluded that soaring inflation is no longer a positive catalyst for either earnings growth or stocks, to wit: the "positive effects of inflation on earnings growth have reached their peak and are now more likely to be a headwind to growth, (particularly as inflation forces the Fed to remain uber hawkish) and in that context, the growing rise in back end rates is having a meaningful impact on interest rate sensitive areas of the economy and market, like housing and impacting stocks." That said, Wilson was still unwilling to go "full bear", and as had commented in his notes for a while, he expected defensives to dominate in this late cycle environment (that said, Wilson conceded that "the overall index remains a bit of a mystery with the P/E down only 11% in the face of a 120bps move in 10-year yields") as he believed that the incredibly strong flows into equity from asset owners (both retail, pensions and other endowments) had made a decision to abandon bonds in favor of what is - for now - viewed as the better inflation hedge (namely stocks) would continue. It is these flows which Wilson said are "keeping the main index bid and more expensive thereby leaving the real message about growth at the sector level", and is also why the bearish strategist remained bullish on defensives as the message from the market was, to Wilson, "crystal clear" and in line with his own bearish view—i.e., growth is slowing and "likely more than most forecasts incorporate, especially for 2023 when the risk of recession has increased the most." So fast forward to today when in his latest Weekly Warm-up Note "Harder to Hide as the Bear Gets Grisly" (available to pro subscribers in the usual place), Wilson drops all pretense of "cautious optimism" and turns all-in bear, writing that "with defensive stocks now expensive and offering little absolute upside, the S&P500 appears ready to join the ongoing bear market" and while his (formerly) favorite sector, defensives, can still outperform, he warns that it's just a relative trade at this point. Finally, while inflation may well be peaking, he doesn't view this as bullish, "because it means margins & EPS have peaked too." Digging into the note, Wilson first explains why he no longer believes defensives are a clear outperformer, for the simple reason that it is now "harder to hide." As the strategist shows, "over the past 12 months, the US equity market has provided plenty of opportunity to investors in certain areas even as the major averages have traded flat to down (SPX +2%, DOW -1%, NDX -4%, RTY -15%). However, one needed to be nimble and trade it well." Here, Wilson pats himself on the back for correctly calling the market inflection points on the Morgan Stanley Fresh Money Buy List, which has dramatically outperformed the S&P in the past year: As equity strategists, our primary job is to help clients find the best areas of the market at the right time, since beating the averages is the name of the game. Our sector and style preferences are reflected in our Fresh Money Buy List, which closely follows those recommendations. Over the past 12 months, that list is up nearly 19%, or 15% above the S&P 500." With that said, Wilson admits that "unfortunately, we now find ourselves at a bit of a loss for new ideas. In short, the market has been so picked over at this point, it's not clear where the next rotation lies." This is a problem because in his experience, when there are no more clear rotations, "it usually means the overall index is about to fall sharply with almost all stocks falling in unison." If that sounds dramatically bearish, well it is... to an extent, and as Wilson admits, this is what he - and Zero Hedge too - has been waiting for as his Fire and Ice narrative concludes — a fast tightening Fed right into the teeth of a slowdown (something we also discussed yesterday in  "There's A Growing Consensus The Fed Will Keep Going Until The Market Breaks"). And while Wilson's "defensive" posture since November had worked well, he can't argue for absolute upside anymore for these groups given the major re-rating they have experienced in both absolute and relative terms, which he views as "another sign that investors know what's coming and are bracing for it the best they can by hiding in such stocks." In terms of timing, Wilson looks to the "accelerative" (to the downside) price action on Thursday and Friday which he says supports the view that we are now entering this "much broader sell-off phase." Friday, in particular, appears indicative of what to expect next — lower beta/defensive stocks outperform but they still go down. Another important signal from the market lately is how poorly Materials and Energy stocks have traded, particularly the former. Some of the reversals in the base metals stocks have been eye popping, with most securing outsized reversal patterns on a weekly basis. To Wilson, "this signifies the market's realization that we are now entering the Ice phase, and that growth will be the primary concern for stocks from here rather than inflation, the Fed and interest rates." And speaking of inflation and interest rates, Wilson - who last week said inflation had hit a level that was now destructive to stocks and EPS growth  - believes inflation and inflation expectations have likely peaked (we disagree), and he says that while others have been using this as a bullish argument, Wilson would like to send a clear warning—be careful what you wish for: "There's no doubt that a fall in inflation should take pressure off the back end of the rate curve, which arguably could relieve pressure on valuations for some stocks. The problem is that falling inflation comes with lower nominal GDP growth and therefore sales and EPS growth, too. For many companies it could be particularly painful if those declines in inflation are swift and sharp. The move in some of the aforementioned Materials stocks suggest that's exactly what could be in store for commodity prices. In other words, the Morgsn Stanlty strategist says that "the Energy and Materials names could be in for a period of underperformance after being one of the big winners of 2022."  Here we disagree again, because a far more accurate take of what is coming to commodities can be gleaned from reading the latest Goldman and Zoltan Pozsar notes which are extremely bullish on both commodity prices and equities. Yet aside for a few modest disagreements, we find it much more interesting that for Wilson the bottom line is that we "we are at an important inflection point for inflation, the mirror image of our call in April 2020 to look for higher inflation when we were at the trough of the COVID recession."  At that time Wilson suggested inflation would be a big part of the next recovery given the nature of the stimulus—i.e., helicopter money — at a time when supply would be constrained. He also thought this would lead to extremely positive operating leverage and earnings growth (something we also noted at the time). Fast forward to today and that's where we are. The question now is will that last remaining positive tailwind continue or will it turn into a headwind for earnings growth? Wilson' view is that it will be more of the latter for many sectors and companies and this is why he had been positioned in defensives and/or stocks with high operational efficiency. In other words, the stock market seems to be foreshadowing the peak in inflation and a tougher earnings environment overall. To Wilson, this all lines up with Wilson's "hotter but shorter cycle"  analysis that compares the current period to the immediate post WWII period in the 1940s. As a reminder, the explosive spike in inflation during that era was quickly followed by a sharp decline. The result was a classic boom/bust that most investors do not seem prepared for even though the stock market internals appear to be strongly signaling that's exactly what's about to happen. Furthermore, and this is why Wilson sees the bear market turning full grizly, if the stock market is about to experience a more significant decline at the index level during which there are very few places to make positive returns, it will simply feed the  disinflationary forces described above. If it gets bad enough, it could even feel deflationary for many segments of the economy where discounting returns. This, Wilson warns, "will show up via margin pressure and earnings misses." Finally, Wilson pre-empts one of the obvious counters to his latest views, namely "if inflation and growth is decelerating sharply, doesn’t that mean a return to the secular growth companies that can easily carry the overall market?" Here Wilson notes that while normally he would say yes, but this time many of the secular growers are also vulnerable now to earnings disappointment due to the pay back in demand for many of the goods and services offered by such companies. In our other words, these companies likely benefitted more than average from the COVID dynamics. Therefore, they will not be immune to the bust in growth as they normally tend to be. In fact, they could be worse off. Keep in mind that the COVID recession was unusual due to the lock-downs and work/stay at home phenomenon. As such, Wilson believes that Y2K may offer a better road map on what to expect next. While he will share the analysis in a future note, as a spoiler alert, Wilson writes that he anticipates a mild recession in technology spending (both consumer and corporate) even as the overall economy avoids one (here, we most certainly disagree). Yet even this cautiously optimistic does not bode well for the majority of secular growers that drive the overall index - recall the FAAMG names alone accounted for a quarter of the S&P's entire market cap not too long ago - and it is especially negative for non-profitable ones in Wilson's view. There is much more in the full Michael Wilson note available to pro subscribers. Tyler Durden Mon, 04/25/2022 - 14:45.....»»

Category: blogSource: zerohedgeApr 25th, 2022