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Former Provence space resurrected by owner as Josie"s Table

When the pandemic forced change on many restaurants, the owner of Provence at Stuyvesant Plaza took it as a sign. The restaurant has now reopened with a new name and a new concept......»»

Category: topSource: bizjournalsJan 16th, 2022

Spring Ahead: Open Houses and the 2022 Market

Traditionally, spring has meant sunshine and showers, flings and flowers. It also has meant—to real estate professionals at least—open houses, as buyers emerge from hibernation to peruse a blossoming world of new listings and real estate agents ramp up in preparation for the busiest time of the year. But in 2022, with limited inventory and… The post Spring Ahead: Open Houses and the 2022 Market appeared first on RISMedia. Traditionally, spring has meant sunshine and showers, flings and flowers. It also has meant—to real estate professionals at least—open houses, as buyers emerge from hibernation to peruse a blossoming world of new listings and real estate agents ramp up in preparation for the busiest time of the year. But in 2022, with limited inventory and new technologies that can at least partially substitute for a traditional walk-through, does the open house even exist? Are buyers still ravenously descending on every property as soon as it hits the market? About a 90-minute drive to Manhattan (without traffic) the town of Fairfield, Connecticut has traditionally been seen as a stretch for the traditional New York commuter. With a median listing price of $775,000 this year, according to Realtor.com, a 2,300 square-foot four-bedroom ranch-style home in a quiet neighborhood falls squarely in the “affordable” category for this market, listed at $599,000. Cars line a rural road in Madison, Connecticut as buyers flock to the opportunity offered by an early spring open house. Over the course of four hours split between a Thursday and Sunday in early April, no one shows up to this property’s open house, though it receives three offers within five days of listing, all in the $530,000 to $560,000 range. Paul Ferreira is the listing broker, owner of a RE/MAX franchise in nearby Trumbull. He says he is not changing his strategy for running open houses this spring, despite also predicting that the market is on track for a major shake-up in the coming months. “We’ve been seeing a definite slow-down,” Ferreira says. “We haven’t seen as many bidding wars in the last four weeks as we’ve seen in the last nine months. We’re definitely starting to see a slowdown in that aspect, of people paying 8-12% over asking to get the houses.” “I’m not saying it’s not happening,” he adds. “I’m just saying it’s not happening as much.” Another house visited by RISMedia sits a little further out, in the more rural, coastal exurb of Madison, where bucolic country roads wind through lines of trees, and looming old-money beach mansions offer scintillating views of the Long Island Sound. An open house in the bucolic village of Madison, Connecticut drew big crowds amid low inventory, as agents plan for a potentially busy spring. Victoria Tavares is a veteran agent with William Raveis. On a Friday afternoon in late March, a line of cars already threatens to clog up the narrow country road in front of a modest 2,100 square foot ranch sitting on just under an acre of land (which includes a small pond and well-maintained garden). Tavares is the listing agent for this home, priced at $399,000, and she receives six offers by the end of the weekend—all well above asking. “It was crazy—the sellers did accept an offer, but I still have buyers and agents reaching out to me to see the property,” Tavares says. A little closer to the city of New Haven to the west in the town of Guilford sits a significantly larger home in a brand-new community with wide, well-paved streets—a much more suburban feel, though still removed from any sort of downtown or urban center. At nearly 4,000 square feet, this colonial is listed for $750,000, and offers a wine cooler, a finished basement, nine-foot ceilings and a unique playroom/home office wing connecting a wide-open well-lit space set with cubbies and playmats with a cozy work-from-home space. This home was also listed as “pending” two days after the open house, which drew a large number of families with young children. The agent at the showing declined to speak with RISMedia and only gave a first name. Messages left for the listing agent were not returned at press time. Vibe check It is difficult, and probably unwise to try to draw broad conclusions from a tiny sample size in an even smaller geographic area. The Northeast has struggled even more than some with low inventory, and many other factors are likely to make the market in this area unique. That being said, though, some of the storylines and stereotypes of the current wild market were on full display at these homes, even as Tavares and Ferreira disagreed—to some degree—on the likely path ahead for real estate. “Most buyers were saying they’ve been searching, they’ve been making offers and they’re just being outbid by higher offers,” Tavares reflects. “Most of the buyers seem pretty urgent…they’ve definitely been doing it a while.” At least 25 groups show up to the Madison open house in the first hour, a good mix of younger couples, families and a few older couples. A younger couple who only gave their first names—Jeff and Alyssa—showed up early and left Tavares’ open house relatively quickly. Jeff says that the couple are in their third year of house-hunting. He described the process as “a little discouraging,” after putting in six or seven offers just recently, all at or above asking price, often beat out by “corporations.” The couple had hoped to purchase a multi-family closer to the urban center in New Haven and make some rental income before selling to fund a single-family home that they could start a family in—something they had hoped would only take three or four years in total “I would say broadly, my time frame has kind of run out,” Jeff quipped. Another couple, who declined to give their names, had recently sold their house in the affluent and posh suburb of Darien—a quick hop from Manhattan, where the median listing price for a home is $1.7 million—and were looking to downsize. They were listing their own home as an “office exclusive” and expected a deal to go through within days, they say. More than an hour’s drive into what they describe as “country living,” the couple say they are excited for the opportunity to pay significantly less for a similar-sized home, and want to escape the intensity of Darien after their children moved out—working remotely for now, but looking ahead to retirement. Tavares says she sees plenty of mom-and-pop investors snapping up houses—mostly that are not “move-in ready.” At the $300,000 to $500,000 price range, though, houses are still getting snatched up almost instantly, and even waterfront million-dollar mansions in the area are subjected to bidding wars. This colonial in Guilford, Connecticut featuring a play room and copious yard space was perused by a mostly younger crowd during an open house earlier this month. For the Fairfield house that Ferreira listed, the end result does not necessarily reflect the market. The owner of that home was an elderly woman whose children were making most of the decisions, he says. After asking if he could sell the house in 90 days (no problem, he told them), the children pivoted and claimed they needed the cash faster—within days—rejecting all the previous offers and asking Ferreria to market the home to flippers, who would pay cash. It sold for $410,000, and Ferreira guessed the new owner would list it in a few weeks for around $800,000. “All you can do is advise people the best course of action, but it’s up to them to take the advice,” he says. Running a small company that still lists 60 to 100 homes a year, Ferreira says this kind of scenario is relatively uncommon and is not a reflection of the current market. He speculates that the children of this owner had personal reasons for leaving almost $150,000 on the table. More broadly, Ferreira says that he has been advising clients to wait on home purchases (if possible) for the last eight months, deeming that prices have become inflated and that the market is destined for a pullback. He specifically refers to the fact that around 20 of his listings in the last year or so have failed to appraise—the first time that has ever happened in his career. “We don’t think this great market is going to be as great as it has been—this is my opinion,” he cautions. “Some REALTORS® think this is never going to end, but if you lived through the 2008 correction—2006, we were seeing the same craziness.” “Nobody’s willing to wait—everyone wants it now, now, now,” he adds. Tavares does not express any particular concern about the market, and says that sellers are still getting almost whatever they want for their homes as buyers remain overabundant for nearly every town and niche. “Buyers are just super eager to be the first one in the door,” she says. Anatomy of an open house Both Ferreira and Tavares agree that the open house is not only still a useful tool, but can be especially important for a variety of reasons in the current market conditions. Both also regularly have times on weekdays, they say, for different reasons. Ferreira traces his open house strategy back four years ago, to an idea he borrowed from an agent in California. “A lot of people are exhausted on the weekends from working all these crazy hours that they’re working. So we try to get one on a Thursday or a Wednesday during the week, especially once Daylight Savings time changes so it’s not as dark,” he explains. “Just like that, the people who really want to see it, they’ll get into the property. Then we do something on a Saturday or a Sunday.” This strategy has been “extremely successful,” Ferreira says, with short weekday windows and longer times on the weekends, which can better meet the needs of more people’s schedules. Tavares says she has seen more weekday open houses recently, and the weekday opportunities are often the busiest. It also saves a lot of time because otherwise you are spending a lot of unnecessary time scheduling showings seven days a week for a horde of desperate buyers. “If you’re serious, come now and that’s it. And it works. Serious buyers show up,” she says. “Basically you’re finding that the second a property hits the market, you have buyers and agents calling.” If a property is listed on a weekday, it is hard to tell people to wait until the weekend for an open house, Tavares claims. Often agents schedule evening open houses that day or the next day. “That’s really to accommodate the demand and the desire for buyers to get in right away,” she says. Ferreira agrees that with how busy agents are, an open house is just more efficient as long as finding buyers is easy. With the internet, he says the timing and windows for open houses can be completely flexible, and he will often schedule public open houses at the same time people request showings from him, to maximize efficiency. “I’ll not just meet them, but if anybody else wants to come at that timeframe, they can,” he says. All the other traditional benefits of scheduling an open house—training new agents in your brokerage, meeting new people and getting your brand out there—remain just as important as they’ve always has been, according to Tavares, even in the face of new technology and shifting consumer behavior. “All around the board, it just kind of facilitates that entire process,” she explains. One practice that might be new, and not necessarily welcome at open houses are attempts by other agents to sneakily poach potential clients. A man at Tavares’ open house introduces himself as the husband of another agent working in the region, and admits he regularly trawls open houses to send business her way in hopes of “an earlier retirement.” “That is so bizarre…I wouldn’t say that is very—what’s the word—ethical?” she wonders. “That’s part of doing open houses, though. Part of that is, while we obviously require everyone to sign in, you get those people who try to slip by the sign-in sheet—not that it’s really a big deal at the end of the day, but you do kind of wonder.” Jesse Williams is RISMedia’s associate online editor. Email him your real estate news ideas, jwilliams@rismedia.com. The post Spring Ahead: Open Houses and the 2022 Market appeared first on RISMedia......»»

Category: realestateSource: rismediaApr 25th, 2022

32 of the best cookbooks for every type of cook — from gluten-free to seasonal recipes

A cookbook can be a thoughtful gift for the home cook in your life. We rounded up the 32 best cookbooks, old and new, to buy this year. Prices are accurate at the time of publication.When you buy through our links, Insider may earn an affiliate commission. Learn more.Amazon; Gilbert Espinoza/Insider A great cookbook makes a thoughtful and sentimental gift that evokes past travels, memories, and shared meals.  Here are some recent favorites, including "The Korean Vegan," "New World Sourdough," and "Xi'an Famous Foods." Still looking for a gift? Check out our list of the all-time best products we've ever tested. To me, there's no better gift to give or receive than a great cookbook. A cookbook with beautiful photos, thoughtful narratives, and foolproof recipes can feed the imagination, transport your giftee to another city or country, and inspire them to get creative in the kitchen. There are cookbooks out there to suit every type of cook, whether novice or expert, and feed all interests — from TV show cookbooks to comprehensive tomes on the science of cooking. Every year, hundreds of new cookbooks make their way onto bookstore shelves. Here are our favorite cookbooks, new and old, to gift this year.Here are 32 of the best cookbook gifts for every type of cookFor the artistAmazon"Black Food: Stories, Art, and Recipes from Across the African Diaspora" edited by Bryant Terry, available at Amazon, $24From the chef and author of "Vegetable Kingdom" comes an anthology of Black culinary traditions from around the world. Bryant Terry combines essays and recipes with vivid illustrations and photography to show how food is woven into the history of the African Diaspora, resulting in a cookbook so visually striking it could easily double as a coffee table book. Essays like "The Spiritual Ecology of Black Food" are the perfect appetizers for new and traditional recipes like Crispy Cassava Skillet Cakes and Pickled Persimmon Spears.For the gluten-free bakerAmazon"Cannelle et Vanille Bakes Simple: A New Way to Bake Gluten-Free" by Aran Goyoaga, available at Amazon, $31.50There are many ways to bake a cake, and Aran Goyoaga teaches you the gluten-free way in her new cookbook. Goyoaga has done the work of figuring out substitutions and alternatives so you can make gluten-free buttery shortbread and even brioche with ease. Everyone can enjoy the texture, flavor, and variety of baked goods thanks to this handy collection of 100 recipes.For the locavoreAmazon"New Native Kitchen" by Freddie Bitsoie and James O. Fraioli, available at Amazon, $17.89Before other cultures and their cuisines came to North America, indigenous people were cooking meals with accessible ingredients. In the "New Native Kitchen," to be released in November of 2021, Freddie Bitsoie and James O. Fraioli explore American Indian recipes from coast to coast, like Chocolate Bison Chili and Prickly Pear Sweet Pork Chops. Bitsoie was the executive chef of Mitsitam Native Foods Café at the Smithsonian's National Museum of the American Indian and is a member of the Navajo nation, and Chef James O. Fraioli is a James Beard Award winner.For the the veganAmazon"The Korean Vegan Cookbook" by Joanne Lee Molinaro, available at Amazon, $27.81Becoming vegan was a big change for Joanne Lee Molinaro, having grown up with meat-based Korean food. However, it didn't stop her from collecting recipes and recreating the dishes that were so connected to her family history. For Molinaro, the stories of her family's immigration from North Korea to the United States are just as important as the recipes. Molinaro recreates childhood memories, like Jjajangmyeon, Korean-Chinese black bean noodles, and writes new recipes, like the Chocolate Sweet Potato Cake, in honor of the foods that saved her mother's life. For the no-fuss foodieAmazon"Cooking at Home: Or, How I Learned to Stop Worrying About Recipes (And Love My Microwave)" by David Chang and Priya Krishna, available at Amazon, $22.33You won't find frozen vegetables in Momfuko, but that doesn't mean David Chang has anything against them. In this new book, available on October 26, Chang and co-author, Priya Krishna, explain how they use fine dining principles to make fast, easy, and unpretentious meals at home. For the home cook, it seems like the professional chef can take any ingredients and produce a full, delicious meal. In "Cooking at Home," Chang and Krishna teach you how to do just that. For the traveler interested in culture and cuisineAmazon"Cook Real Hawai'i" by Sheldon Simeon, available at Amazon, $22.99A finalist in two different seasons of "Top Chef," Sheldon Simeon co-authored a cookbook with Garrett Snyder, transporting readers to the tropical islands of Hawaii. The book dives into stories of Simeon's family, as well as the state's history and cultural traditions. With 100 recipes throughout the book, this personalized guide to Hawaiian cooking has something for beginners and advanced cooks.For the friend who cooks with the seasonsAmazon"My Shanghai" by Betty Liu, available at Amazon, $23.19This debut cookbook from Betty Liu (who somehow found the time to author it amid her general surgery residency) is an homage to seasonal cooking and her family's roots in the Chinese regions of Shanghai, Jiangsu, and Zhejiang. I picked up this cookbook up in my local bookstore and couldn't put it down (and ended up bringing it home with me). The chapters are organized by season and explain the influence the weather, holidays, and traditions have on the recipes prepared throughout the year. I love the stories Liu relates about the inspirations behind her recipes, like climbing a mountain to eat Double-Mushroom Noodle Soup at a temple, foraging spring bamboo shoots for Oil-Braised Spring Bamboo, and the bowls of breakfast noodles her father would make her before test days. I've already made the Shanghai Stir-Fried Rice Cakes four or five times, and I can't wait to dive into more of the recipes as the seasons progress. For the cook who wants to master their grillAmazon"Rodney Scott's World of Barbecue" by Rodney Scott and Lolis Eric Elie, available at Amazon, $17.77My best friend (and fellow cookbook collector) recently texted me raving about this cookbook and the genius of Rodney Scott's Loaded Pork Skin "Nachos," Pit-Smoked Turkey, and whole-hog approach to Carolina barbecue. Scott's positivity and passion shine throughout the book, and you'll learn lots about southern foodways and the history of Carolina barbecue along the way.  For the cook planning their next tripAmazon"Dishoom" by Shamil Thakrar, available at Amazon, $17.29Whether it's London or Bombay that is your giftee's next destination, "Dishoom" is required reading before they jet off. The popular Dishoom restaurants in London are inspired by the Irani cafes of Bombay and serve "tipples," snacks, and mains like Mango Kulfi, Pav Bhaji, and Roomali Roti. In "Dishoom," you'll learn to cook the restaurant's entire menu, and be taken on a tour of Bombay's cafes (complete with a map) along the way. For the coworker who has *opinions* on babkaAmazon"Jew-ish" by Jake Cohen, available at Amazon, $18.80At Insider Reviews we have lots of opinions, especially about food, and a recent debate centered around the merits of cinnamon versus chocolate fillings for babka. I like Jake Cohen's philosophy in "Jew-ish," which is that babka is delicious no matter what you fill it with. "Jew-ish" is a thoughtful collection of recipes centered around Cohen's Ashkenazi heritage, his own self-discovery in the kitchen, and the Persian-Iraqi traditions of his husband. Cohen celebrates the origins of Jewish dishes, while also putting his own twist on the classics. You'll see this in action in his recipes for Cacio e Pepe Rugelach, Black and White Chocolate Chip Cookies, and yes, You Can Go Your Own Way: Babka Edition.For the family member intimidated by their new Instant PotAmazon"The Step-by-Step Instant Pot Cookbook" by Jeffrey Eisner, available at Amazon, $10.78Insider Reviews reporter, James Brains, is currently testing Instant Pots and other multicookers for an update to our guide to the best electric pressure cookers. He's been using recipes from this cookbook and reports that they're easy to follow, have plenty of photos, and are delicious to boot. The book features more than 750 photos detailing step-by-step how to make the 100+ recipes, and makes a great gift for anyone who is curious about Instant Pots but hasn't taken the plunge yet.For the history buffAmazon"Jubilee" by Toni Tipton-Martin, available at Amazon, $20.07Toni Tipton-Martin's personal collection of African-American cookbooks spans more than 400 titles and her knowledge of American food history is on full display in "Jubilee." Through recipes and stories, she relates the history of Black folks who shaped American cuisine into what it is today, from those who cooked under the confines of brutal enslavement to the chefs who ran White House kitchens. "Jubilee" is a masterful work of American history, as told through food.For the person who loves pie but fears making itAmazon"Pie Academy" by Ken Haedrich, available at Amazon, $22.75A compendium of 255 pie recipes, "Pie Academy" is likely the last pie cookbook you'll ever need. It has nearly a dozen recipes for different types of pie crust, a troubleshooting section for when things don't go as expected, and chapters organized by seasonality and filling type. It's guaranteed to be a hit with the pie lover in your life, especially one who is interested in making pies but has always found them a bit daunting. For the home cook who also loves to readAmazon"Black, White, and The Grey" by Mashama Bailey and John O. Morisano, available at Amazon, $21.84While not a cookbook, "Black, White, and The Grey," tells the story of one of the most celebrated restaurants in America: The Grey in Savannah, Georgia. Mashama Bailey, who is Black, and John O. Morisano, who is white, relate the story of how they turned a dilapidated formerly segregated Greyhound bus station into an award-winning restaurant. The dual memoir touches on race, community, and friendship, with some delicious food anecdotes along the way.For the friend who wants to master the essentialsAmazon"My Korea" by Hooni Kim, available at Amazon, $22.49Michelin-starred chef Hooni Kim's debut cookbook is a crash course in the essentials of Korean cuisine. The book's tagline is "traditional flavors, modern recipes," and that is an accurate summation of what you can expect to find in this cookbook — from Dolsot Bibimbap to Budae Jjigae to Hanjan's Spicy Rice Cakes. When I first laid my hands on this cookbook, I wanted to make (and eat) every single recipe. If you're looking for some solid foundation recipes, "My Korea" delivers.For the friend who knows all the words to "Lady Marmalade"Simon and Schuster"LaBelle Cuisine: Recipes to Sing About" by Patti LaBelle, available at Amazon, $19.89Patti LaBelle is not only the Godmother of Soul and a musical icon, but she is also a New York Times bestselling author for her cookbooks. Her newest cookbook, "Labelle Cuisine: Recipes to Sing About," has recipes centered around LaBelle's family's Southern roots. With comfort-food favorites like potato salad and peach cobbler, she showcases a variety of her recipes that are full of personal touches. For the person with quarantine cooking fatigueAmazon"Indian-ish" by Priya Krishna, available at Amazon, $16.84In her debut cookbook, Priya Krishna (contributor to Bon Appetit, New York Times, and others) offers up beloved favorite recipes from her Indian-American family, including Tomato Rice with Crispy Cheddar, Malaysian Ramen, and what her dad calls Indian Gatorade (Shikanji). The recipes are largely vegetarian, creative, fun, comforting, and guaranteed to inspire anyone who feels stuck in a rut with their cooking in 2021. For the cook always on the goAmazon'The Full Plate" by Ayesha Curry, available at Amazon, $15Ayesha Curry and her husband, basketball star Stephen Curry, have three children and busy schedules. She created her newest cookbook with her energetic household in mind, and it features 100 recipes that take under an hour to make. "The Full Plate" is perfect for anyone who wants to spend less time cooking while still ending up with delicious meals.  For the person who can't get enough of DisneyAmazon"The Unofficial Disney Parks Cookbook" by Ashley Craft, available at Amazon, $11.99Technically unofficial, this cookbook will transport you directly into Disneyland. You can replicate a variety of food found in Disney theme parks. It features 100 recipes of iconic Disneyland treats and snacks, including the famous Dole whip, beignets, and more. For the person who spent 2020 mastering sourdoughAmazon"New World Sourdough" by Bryan Ford, available at Amazon, $14.79This was the year of the sourdough starter, and few people are as well-versed in fermented breads as Bryan Ford, blogger and baker. We're not just talking about your classic sourdough boule; Ford is well-known for demonstrating the breadth of what you can do with a sourdough starter: from Sourdough Pan de Coco to Sourdough Discard Battered Fried Chicken.For the cousin who's just learning to cookAmazon"Salt, Fat, Acid, Heat" by Samin Nosrat, available at Amazon, $16.65In this beautifully illustrated cookbook, chef and New York Times columnist Samin Nosrat outlines the foundations of cooking, from when to salt your chicken to how to make the perfect focaccia. All the information is presented in a fun, engaging way alongside original illustrations you'll want to frame and hang in your kitchen.For your family member who loves "Emily in Paris"Amazon"La Buvette" by Camille Fourmont and Kate Leahy, available at Amazon, $14.25"La Buvette" is part cookbook, part guide to French living. Interspersed with recipes from the cookbook's namesake cafe are beautiful pictures of Paris, tips about shopping in France's vintage markets, and instructions on how to dry flowers. The cookbook is a lovely escape into Parisian living, perfect for any Francophile dreaming of a visit to the City of Lights. For your friend who knows all the best restaurantsAmazon"Xi'an Famous Foods" by Jason Wang, available at Amazon, $22.99Xi'an Famous Foods started as a small family-owned market stall in the Flushing neighborhood of Queens. Its hand-pulled cumin lamb noodles have become so loved that there are now 14 locations all around New York City. In this cookbook, the son of the family and CEO of the business Jason Wang divulges some of the recipes that made his family business famous, as well as other classic dishes from Xi'an in western China.For the fan of the 'Great British Baking Show'Amazon"Baking with Kim-Joy" by Kim-Joy, available at Amazon, $14.89Contestants of the Great British Baking Show have come out with several cookbooks, including series nine runner-up Kim-Joy. She is best known for her adorable and creative bakes, like her giant chocolate planet filled with "space turtles," or her "Silke the vegetarian mermaid" pie. Kim-Joy brings the same color and fun to her bakes in her debut cookbook, which includes Pigfiteroles in Mud, Tazhong Cat Buns, and a version of her Space Turtle Cake. For the friend who likes to Instagram all their foodAmazon"Ottolenghi Flavor" by Yotam Ottolenghi, available at Amazon, $23.39Yotam Ottolenghi is owner and chef of some of London's most beloved cafes and restaurants. His recipes are some of the most colorful and beautiful out there, and his latest cookbook is no exception. "Flavor" is filled with mostly vegetarian recipes that not only pack a punch visually but flavor-wise, too. Ottolenghi and his co-authors expound the building blocks of flavor in three sections: process, pairing, and produce. The result is more than 100 'gram-worthy recipes from Spicy Mushroom Lasagna to Iceberg Wedges with Smoky Eggplant Cream.For the hummus loverAmazon"Falastin" by Sami Tamimi, available at Amazon, $31.99Longtime Ottolenghi collaborator (and co-author of "Jerusalem," another of our cookbook picks), Sam Tamimi, crafted his latest cookbook as an homage to Palestinian food. The book is rich in recipes, from multiple variations of shakshuka and hummus, to verdant salads, and colorful dips. Along the way, Tamimi tells the culinary history of Palestinian food — from the home cooks feeding their neighbors in refugee camps to the restaurateurs cooking for tourists in Bethlehem.For the pint-sized cook in your lifeAmazon"The Complete Cookbook for Young Chefs" by America's Test Kitchen, available at Amazon, $11.87I worked for America's Test Kitchen (ATK) for seven years and was privy to the care its team puts into each and every one of its cookbooks. ATK's series of cookbooks for kids is the epitome of that detail and care; every one of the recipes in this volume was tested by pro chefs and kid cooks. The recipes are specifically designed with kids in mind, outlining when to get an adult for help with handling hot ingredients or sharp tools. This is the book I wish was available to me when I was a child, and I've gifted it and the kid's baking book to every kid I know. I love getting reports from their parents about a new recipe they cooked or discovered.For the person always posting pictures of their cheese boardAmazon"Platters and Boards: Beautiful, Casual Spreads for Every Occasion" by Shelley Westerhausen, available at Amazon, $15.38In her best-selling cookbook, author and food blogger Shelley Westerhausen shares 40 casual yet chic spreads (complete with meat and drink pairings) that anyone can make and enjoy. It's also a visual cornucopia that's just as satisfying to flip through as to use when hosting get-togethers when it's safe to do so. And if you're looking for a board of your own, we recommend any of these five options. For the self-described dessert personAmazon"Dessert Person" by Claire Saffitz, available at Amazon, $22.24Claire Saffitz may be known for her wildly popular Gourmet Makes series on YouTube, but she's a pastry chef at heart and her affinity for baked goods is out in full force with her new cookbook "Dessert Person." In this cookbook, you can find creative recipes for Babkallah (a babka-Challah mashup), Apple and Concord Grape Crumble Pie, Strawberry-Cornmeal Layer Cake, and Malted Forever Brownies. It's sure to please the dessert lover in your life.For the person who had to cancel their vacation last yearAmazon"Pasta Grannies" by Vicky Bennison, available at Amazon, $18.99Each episode of the "Pasta Grannies" YouTube series is an escape to a different region of Italy, where local grannies (or nonne) teach the audience to prepare and cook a regional dish — from classics like Spaghetti alla Carbonara to a pasta shape from Sardinia only three women know how to make. This cookbook takes some of the most popular videos from the series and turns them into tangible recipes you can cook at home. Between watching the video and cooking from the book, you can transport yourself to a little corner of Italy without leaving your home.For the person homesick for their grandma's cookingAmazon"In Bibi's Kitchen" by Hawa Hassan, available at Amazon, $18.69This cookbook centers around grandmothers (or bibis) from eight south and east African countries. Throughout the book, we get to know the women whose recipes are featured and learn about their personal history and the history of their country. Along the way, you'll find recipes for Eritrean Doro Wat, Tanzanian Date Bread, Kenyan Kachumbari, and more. It's the kind of cookbook that makes think about your grandmother.For the person who lives by a cookie-a-day philosophyAmazon"100 Cookies" by Sarah Keiffer, available at Amazon, $24.75A good ol' chocolate chip cookie never goes out of style, but if you have a cookie lover in your life, consider gifting them this homage to baked goods. You'll find recipes for the classics (including four different variations of chocolate chip cookies) as well cookies you've probably never had before, like Banana-Espresso-Cacao Nib cookies.Read the original article on Business Insider.....»»

Category: worldSource: nytApr 7th, 2022

State Governors Weigh In On The Financial Literacy Crisis In America

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

Category: blogSource: valuewalkApr 6th, 2022

Bombardier just delivered its 100th Global 7500 business jet built for the ultra-wealthy that features a private bedroom — see inside the "Ferrari of the Skies"

VistaJet is the world's largest operator of the Bombardier Global 7500 private jet, which features four living spaces, like a bedroom and dining room. Taylor Rains/Insider Bombardier delivered its 100th Global 7500 private jet on Tuesday to private charter company VistaJet. The plane is the largest and longest-range purpose-built private aircraft on the market capable of flying 7,700 nautical miles. VistaJet's cabin was inspired by the color of espresso and includes four living spaces, including a private bedroom. Canadian planemaker Bombardier just delivered its 10th Global 7500 business aircraft to VistaJet, the world's largest private charter company and the biggest operator of the aircraft type.Taylor Rains/InsiderSource: BombardierThe milestone marks the 100th Global 7500 that Bombardier has delivered and makes VistaJet the owner of 10% of the world's 7500s.Taylor Rains/InsiderSource: BombardierBombardier has recently consolidated its products to focus solely on business aircraft, with its Global 7500 being considered the best of the best.Inside a Bombardier Global 7500 demonstration aircraft at the Dubai Air Show.Thomas Pallini/InsiderSource: BombardierThe $75 million plane is the largest and longest-ranged purpose-built private jet on the market, boasting an incredible 7,700 nautical mile range and capacity of up to 19 passengers.Inside a Bombardier Global 7500 demonstration aircraft at the Dubai Air Show.Thomas Pallini/InsiderSource: BombardierThe jet has become a staple of luxury travel that can connect nearly any city pair on Earth, like from New York to Hong Kong or from London to Tokyo.A VistaJet Bombardier Global 7500.VistaJetSource: BombardierAt a ceremony in Montreal on Tuesday, Bombardier CEO Éric Martel officially handed the keys to VistaJet founder and chairman Thomas Flohr.Taylor Rains/Insider"This industry has achieved a great deal, partially through COVID, and the world has actually discovered how efficient it is to use a business jet," Flohr said at the event.Taylor Rains/InsiderNot only is it more convenient for travelers to fly private because they can skip busy airports and security checkpoints, but it is also more sustainable, Flohr explained.Private passengers can many times drive straight up to the plane. Pictured is VistaJet’s Global 5000.Taylor Rains/InsiderI flew out of a general aviation airport to see how the rich travel. I didn't miss the hassle, lines, and frustration of commercial flying."Why fly a 737 into a remote town with a load factor of 20-30% and burn a lot more fuel, when you can take a small business jet and actually get there and have a lower carbon footprint," he said.Private jet at the airport for the Super Bowl in February 2022.Courtesy of Levi StocktonMedia were welcomed onboard VistaJet's historic Global 7500, which the company has dubbed the "Ferrari of the Skies." Take a look inside the stylish cabin, complete with four separate living spaces.Taylor Rains/InsiderThe first room passengers will see when they board is the club suite, which has four seats and a pull-out table in between each pair, allowing for plenty of space to work or discuss business.Taylor Rains/InsiderThe seats are zero-gravity loungers called Nuage that are exclusive to the Global 7500. They feature a unique tilt that allows the chair to have a deep recline and floating base.Taylor Rains/Insider"It feels like you're floating," Flohr told Insider. "They are a new development, and they are just more comfortable and a more modern look for passengers."Taylor Rains/InsiderThe seats have plenty of storage space for phones, as well as USB and power outlets to charge electronics.A VistaJet Bombardier Global 7500 at the Dubai Airshow 2021.Thomas Pallini/InsiderDirectly behind the club suite is the conference suite, which also doubles as a dining room.Taylor Rains/InsiderAccording to Flohr, the space is relatively new in the industry because it has six dining seats instead of the standard four.Taylor Rains/InsiderIn partnership with Bombardier, VistaJet developed a unique table that can fold out into a larger surface space but can also connect to the table across the aisle via a leaf in the middle.VistaJetBeyond the dining area, there is a cinema room with a large television and seating area.Taylor Rains/InsiderFlohr explained that this can be used to relax, watch movies, view a presentation, or have a private business conversation. The room is divided from the conference and club suites via a soundproof pocket door.Taylor Rains/InsiderTowards the back of the aircraft is a bedroom with a double bed, TV, and closet...Taylor Rains/Insider…and a separate lounger. The lounger also has a pull-out table.VistaJetThe bedroom is one-of-a-kind in the industry, according to Flohr, and is important for long-haul travel.Taylor Rains/Insider"You cannot fly 15 hours in a seat or you'll arrive wrecked, so we have installed a proper bed, not a pull-out, with a permanent mattress so passengers can actually sleep," he told Insider.Taylor Rains/InsiderAfter the bedroom is a full lavatory with a toilet and sink. It was spacious with plenty of room to change or freshen up. A shower can also be installed, though VistaJet did not have one onboard.Taylor Rains/InsiderDuring the tour, Flohr emphasized the large size of the windows throughout the cabin, which he said makes passengers feel like they are "floating."Taylor Rains/InsiderMoreover, the seats always align with the windows, which have blinds that can be closed to create a dark cabin.Taylor Rains/InsiderIn addition to the four rooms, there is also a full galley and crew rest area at the front of the plane.Taylor Rains/InsiderThe rest area has space for three crew members to sit, or one to lay down and rest in between shifts, particularly on flights reaching 16 hours.Taylor Rains/InsiderThe galley has plenty of room for the crew members to prepare meals, drinks, or anything else a passenger may need, complete with two refrigerators and two ovens...Taylor Rains/Insider...a coffee maker...Taylor Rains/Insider...and plenty of storage space for glassware.Taylor Rains/InsiderAlso in the crew rest area is a second lavatory, which is smaller than the aft bathroom but still spacious.Taylor Rains/InsiderAs far as the colors and textures used in the cabin, Flohr told Insider that it started with the color of espresso.Taylor Rains/Insider"If you pour an espresso, it's obviously very dark but there is also that foam on top," he explained. "So, we felt it was a very balanced color scheme that we could use to design the seats, carpet, and wood."Taylor Rains/Insider"We're just trying to make the cabin calm and not loud because life is already so stressful, so we wanted a peaceful environment," he continued.VistaJetAccording to Jennifer Farquhar, VistaJet's head of group communications, the company is focused on providing a consistent uniform cabin across each plane so passengers have the exact same experience regardless of which Global 7500 they are on.Taylor Rains/Insider"We've had some of our cabin hostesses take photos upon landing, particularly families with kids, of the exact location of the coloring books or stuff animals left out," she told Insider.Taylor Rains/Insider"But then it's a whole different crew that will pick the passengers up, but they can place that teddy bear where the child left it, so it makes them feel like they're coming back to their home," she continued.Taylor Rains/InsiderRead the original article on Business Insider.....»»

Category: personnelSource: nytApr 3rd, 2022

Real Estate Leaders Discuss Moving the Needle Forward With DEI

It’s hard to argue that “diversity” and “inclusion” haven’t become some of the most prominent terms within the business lexicon. While both have become corporate imperatives in recent years, they’ve also catalyzed a long-overdue dialogue within companies. The real estate sector has been no exception to this trend. Industry leaders spoke with RISMedia about taking […] The post Real Estate Leaders Discuss Moving the Needle Forward With DEI appeared first on RISMedia. It’s hard to argue that “diversity” and “inclusion” haven’t become some of the most prominent terms within the business lexicon. While both have become corporate imperatives in recent years, they’ve also catalyzed a long-overdue dialogue within companies. The real estate sector has been no exception to this trend. Industry leaders spoke with RISMedia about taking targeted approaches to promote diversity, equity and inclusion (DEI) in their respective markets and companies and why it’s important to act now. Sue Yannaccone, president and CEO of the Realogy Franchise Group, says that recent years have provided a reality check that many companies needed to start making a change. In a previous interview, Yannaccone stated that the “newfound focus on diversity” among businesses has often resulted in “symbolic gestures to ‘check a box.'” “We can’t solve the myriad injustices across racial, ethnic and gender lines with a broad-brush approach; your solutions should be targeted and prescriptive,” she said. She didn’t deviate from that stance the last time she spoke with RISMedia about ongoing efforts at Realogy and its subsidiaries to continue developing its DEI solutions in real estate. “We realize that the programs that we have must have a real impact,” Yannaccone says. “There are a lot of companies and people that will sponsor an event, but we really wanted to move past that checking the box, realizing that to have a real impact, you have to carry it through, and there has to be a continued evolution.” That ongoing evolution has been a north star for Realogy’s efforts, according to Yannaccone, who notes that each program the real estate giant implements pursues specific goals to improve engagement among participants. The company has tried to accomplish this through several initiatives like Coldwell Banker’s Inclusive Ownership Program, which aims to support diverse broker/owners in their first two years. Realogy expanded the program to its brands and has had more than 30 companies participate in the program since its 2020 launch. According to Yannaccone, the company has seen a 72% increase in gross commission income (GCI) through the program. “That is a meaningful increase, but it’s nowhere near done,” she says, adding that Realogy continues to hone the program among others to continue moving the needle forward across the company and its brands. In many cases, acknowledging the need for a change in real estate is a step that industry leaders are still working on these days, according to Kymber Lovett-Menkiti, regional director, Maryland/DC Region, Keller Williams Realty International (KW). “There are some companies and brands that don’t think there is a need to have the conversation, so I think that the first domino is the acknowledgment that there is a need for DEI to have a seat at the table,” she says. Lovett-Menkiti tells RISMedia that KW has engaged in nationwide dialogue among agents and leaders to source ideas on making a “sustained impact in the DEI space.” While part of that showed up in the form of KW amending its core beliefs and company values to include equity—admittedly a first for the company—she says the conversation has led the company to prioritize creating “opportunities for all” in real estate. The open dialogue and effort to improve diversity in the industry goes a long way toward building trust among consumers, according to Juan Sanchez, a Denver-based real estate agent with CENTURY 21 Bear Facts Realty. “The only way to help individuals is if we have their trust,” he says. “The best way that we can earn their trust is to be upfront and honest with them, give them the education and talk to them as peers.” Sanchez says he has been connecting with local organizations to offer scholarship opportunities for people in underrepresented communities to become real estate agents. According to Lovett-Menkiti, Keller Williams has taken a similar approach to education and lowering barriers to entry into real estate by launching the KW School of Real Estate (KSCORE), a national, fully digital real estate training program. “Real estate is an unkept/untapped business in terms of your ability financially to succeed, and yet the entry point can be difficult, particularly in underserved communities,” she says. Promoting diverse leadership is also a priority, according to Lovett-Menkiti, who says that the KW has also developed a coaching program that provides a pathway for agents that want to become a broker/owner. “If you look around and don’t see people who look like you, it becomes hard for you to imagine what you could be,” she says. Lennox Scott, chairman and CEO of John L. Scott Real Estate echoed similar thoughts. From setting up an internal committee dedicated to DEI efforts to promoting continued education among leaders throughout the brokerage, he says that he and his leadership team have prioritized outreach, invitation and engagement throughout the company. “Together, we are creating a safe, supportive and productive environment for everyone, which leads into our business practice, supporting our clients,” he says. To do that, Scott suggests that education is a significant vehicle to help position his leadership team to become agents of change. He purports that John L. Scott Real Estate has encouraged office leaders and executives to undergo DEI training through several programs that the National Association of REALTORS® (NAR) has developed. The brokerage has had its entire support team participate in the NAR implicit bias and fair housing video training programs. Scott also says that 120 of its executive and office leadership members will participate in NAR’s LEAD DEI courses in the coming months. “This education affirms our business practices, and it reminds us to continue elevating the conversation,” Scott says. “This is a journey taking place today to bring our awareness level up so we can take those next steps. Jordan Grice is RISMedia’s associate online editor. Email him with you real estate news ideas, jgrice@rismedia.com. The post Real Estate Leaders Discuss Moving the Needle Forward With DEI appeared first on RISMedia......»»

Category: realestateSource: rismediaMar 31st, 2022

Take a tour of Michael Jordan"s Chicago mansion that"s been on the market for 10 years and why he can"t sell it

It was first listed for $29 million and has cool, personalized touches like a Jordan-branded basketball court. But that may be working against him. Jordan's estate has been on the market since 2012.Concierge Auctions; Stephan Savoia/APMichael Jordan's enormous house in Chicago is still on the market after 10 years.Michael Jordan has tried to sweeten the pot by cutting the price nearly in half and throwing in a complete set of Air Jordans with the purchase of the house.He pays more than $100,000 in annual property taxes."Any time you have these homes that are just kind of gross over-improvements for the area they do lead to very, very lengthy marketing times," said Gail Lissner of Integra Realty Resources. The house was originally listed for $29 million and has every bell and whistle you can think of. Some of the "over-improvements" Lissner may be referring to are the pool with a grass island in the middle of it, a door from the Playboy Mansion, a table based on the streets of Baghdad, and MJ-branded golf flags.Below, we take a closer look at the house and why it's struggling to find a buyer. Most images are from footage provided by Concierge Auctions.Tony Manfred contributed to this post.Michael Jordan's 56,000-square-foot, 7-acre compound looks massive even from the air.Concierge AuctionsAnyone who approaches from the ground can tell right away that this estate belongs to the legendary No. 23, Michael Jordan — and that might be what's keeping it from selling. "It's clearly his home," said Bruce Bowers of Bowers Realty Group. "... There's a lot of work that would have to be done to make it your own."ZillowSource: Business InsiderThe price on the house has dropped several times and is now going for $14.9 million, or about $265 per square foot — that's a far cry from the original price of $517 per square foot. The exact price is $14,855,000, and the numbers in that price add up to 23 — Jordan's basketball jersey number.Concierge AuctionsThe long drive from the gate and the full-grown trees ensure that the house has complete privacy.Concierge AuctionsJordan had the house — and the surrounding property — built from scratch to his personal tastes.Concierge AuctionsThe outdoor space proves to be spectacular. There's a tennis court ...Concierge Auctions... an infinity pool with a grass island in the middle ...Concierge Auctions... which lies in the center of a large patio ...Concierge Auctions... and down on the lawn there's a putting green.Concierge AuctionsThe putting green is complete with Jordan Brand flag sticks.Concierge AuctionsThere's also a pond stocked with fish.Concierge AuctionsWhile the outdoor space is sprawling and undoubtedly impressive ...Concierge Auctions... the inside is equally spectacular. When guests first walk in the front door, they are greeted by this view, which includes a piano in the background.Concierge AuctionsThe piano room doubles as one of many sitting rooms in the house.Concierge AuctionsAnd here's a look at another sitting area dubbed the "great room" — this isn't the only great room around the house, though.Concierge AuctionsJordan's luxurious taste even shows itself in details like doorways. The set of doors seen below are from the original Playboy Mansion in Chicago.Concierge AuctionsThey lead to a game room with a pool table.Concierge AuctionsOf course, since this is the former home of Michael Jordan, there is a full-court basketball court. It's the centerpiece of the house.Concierge AuctionsThe court has the legend's name at both ends ...Concierge Auctions... and the Jumpman logo at center court, which includes the names of his children — his daughter's name is out of view.Concierge AuctionsWhile guests wait for their turn on the court, they can hang out in this sitting area.Concierge AuctionsMoving along to the dining room, guests were able to eat at this "Baghdad table."Concierge AuctionsThat grid seen on the tabletop is based on the streets of Baghdad.Concierge AuctionsDetailed eating areas are somewhat of a theme. Here we can see a beautiful skylight positioned perfectly over the kitchen table.Concierge AuctionsIn one of the dining areas just off the kitchen, there is a large aquarium built into the wall.Concierge AuctionsThe house has nine bedrooms ...Concierge Auctions... and 19 bathrooms.Concierge AuctionsThere is also a cigar room, which has been decorated intricately with a detailed ceiling.Concierge AuctionsEven the railing in the cigar room is ornate.Concierge AuctionsThe cigar room also has plenty of card tables where we're guessing Jordan played some high-stakes poker games — he is known for his love of gambling, after all.ZillowThe home also features a full gym.Concierge AuctionsJordan's Bulls teammates used to work out there every morning, according to an interview shared by Concierge Auctions.Concierge AuctionsSource: Concierge AuctionsAnother luxurious part of Jordan's estate is the expansive wine cellar.Concierge AuctionsThe library upstairs was said to be MJ's favorite room. It features a drop-down movie screen.Concierge AuctionsSource: Concierge AuctionsBetween the house and the patio, there's another TV room with a 110-inch screen.Concierge AuctionsThis area used to be an indoor pool. Jordan renovated it after he moved in and added sliding walls to both sides that can make the gathering room either indoor or outdoor depending on the mood and the weather.Concierge AuctionsThere are plenty of media rooms throughout the house. Even the seemingly random nooks like this one below have TVs.Concierge AuctionsThe property also boasts a three-bedroom guest house ...Concierge Auctions... which has its own family room and kitchen.Concierge AuctionsMJ himself lived in the main house for 19 years.Concierge AuctionsThe house comes fully furnished, although some of the pieces may be a tad dated.Concierge AuctionsDespite how awesome the house seems, it's been on the market since 2012. Jordan tried to auction the house in 2013, but the minimum bid of $13 million was never met.ZillowJordan said, "Many of the world's most desirable items are sold at auction, and Concierge Auctions is the hands-down leader when it comes to auctioning one-of-a-kind real estate."Concierge AuctionsSource: Concierge AuctionsMJ's estate remained unsold despite attempts to get creative, including marketing to wealthy people in basketball-crazed China.Concierge AuctionsSource: MaximIn 2015, the agent working to sell the house at the time promised that the buyer would also receive every edition of Air Jordans in his or her size — but that didn't work either.Nicholas Hunt/Getty Images for Tribeca Film FestivalSource: MaximAdam Rosenfeld, of the luxury-real-estate startup Mercer Vine, told Marketwatch in 2016 that Jordan was likely struggling to sell the house because of all of the personalized customizations.Concierge AuctionsSource: MarketwatchRosenfeld said the house also just isn't in an area where wealthy celebs are looking for houses. Gail Lissner of Integra Realty Resources called the area "much more modest" than what Jordan's property suggests.ZillowSource: Marketwatch, Business InsiderThere is no need to worry about the house rotting while remaining unsold, though. The house is still occupied by staff who Jordan employed to keep it looking fresh.Concierge AuctionsSource: The Real DealJordan is still paying a lot in property taxes. The annual bill is more than $100,000, and he has paid nearly $700,000 in property taxes since he put it on the market in 2012.ZillowSource: ZillowOne problem is that Jordan may feel his celebrity status adds value to the house, but, according to Stephen Shapiro of the Westside Agency, people do not pay more for a house just because somebody famous owned it.Chuck Burton/APSource: The Real Deal"But you know who tends to think a property is worth more because a celebrity lived there?" Shapiro said. "The celebrity trying to sell it."Concierge AuctionsSource: The Real DealAnother issue is the location. Most of the homes in this price range in this area are closer to Lake Michigan, a few miles east of Jordan's former house. "Buyers at that level in that area tend to want to be closer to the lake," Missy Jerfita of Berkshire Hathaway Homes Services told The Real Deal.Concierge AuctionsSource: The Real DealSince Jordan put his Chicago home on the market, he has since purchased a lakefront house in North Carolina in a golf-course community.ZillowThe house is in Cornelius, about a 30-minute drive from the Charlotte Hornets' arena — Jordan owns the NBA team. MJ purchased the house for $2.8 million after it was originally listed for $4 million.ZillowSource: Fox SportsJordan also reportedly bought a house on a golf course in Jupiter, Florida, for $4.8 million in 2013 and spent $7.6 million on renovations.ZillowSource: Jeff RealtyHe also owns a condo in downtown Charlotte, in the same building as Cam Newton. The condos reportedly go for between $1.5 and $3.5 million.YouTubeSource: Charlotte AgendaMost recently, Jordan listed his 10,000-square-foot home in Park City, Utah, for $7.5 million. Experts think it will likely sell faster than the Chicago compound.Isaac Brekken/GettySource: Forbes, Business InsiderHe continues to wait for a buyer for the Chicago-area home. Of course, MJ is estimated to be worth $1.9 billion, so he can afford to wait for the right owner to come along on his old Chicago digs.Jordan Brand via Getty ImagesRead the original article on Business Insider.....»»

Category: personnelSource: nytMar 19th, 2022

25 HR leaders building the world"s most innovative, inclusive workplaces amid upheaval in corporate America

Meet the human-resources managers helping employees learn critical job skills, develop into effective leaders, and advance quickly in their careers. Kazi Awal/InsiderInsider compiled its third annual "HR Innovators" list of 25 prominent figures. Some of this year's most innovative HR leaders (shown above, starting from the left) are Sara Cooper, Karsten Vagner, Shirley J. Knowles, and Elaine Mak.Rachel Mendelson/Insider The "Great Resignation" and the transition to hybrid work have put tremendous pressure on HR. Insider put out an open call for talent heads who are leading successfully during the pandemic. Our list spans industries and includes human-resources leaders from Cisco, Maven, and Wiley. Insider recently undertook a search for human-resources leaders executing the most creative and ambitious plans for their companies.For a third year in a row, we asked our readers to tell us about HR stars. Then, we picked 25 who really impressed us. We looked for execs who bettered their companies through new policies regarding worker safety and wellness amid the pandemic, the "Great Resignation," and louder calls for diversity and inclusion. These talent professionals work across industries and at organizations of all sizes, including Cisco, Meta, and Wiley.Women hold most HR positions, and our list reflects that, with Insider featuring only a handful of people who are men or nonbinary. This was unintentional but not surprising.With workplace dynamics in flux, these executives are shaping the future of corporate America. They're building long-term policies around flexible work, finding new ways to attract talent, and addressing inequities that leave certain demographics at a disadvantage.Their accomplishments include promoting 30% of the workforce in one year, building early-career programs for underrepresented talent, and helping employees find programs to meet their educational goals. Cassie Whitlock, BambooHR's director of HR, said, "The pandemic elevated core 'human' needs that have always existed in business but were, for some, easy to ignore."In no particular order, here are the top 25 innovators in HR and their exclusive insights on reimagining work. These responses have been edited for clarity and brevity.Shirley J. Knowles, chief inclusion and diversity officer at Progress SoftwareShirley J. Knowles.Courtesy of Shirley J KnowlesCompany: Progress is a software company that offers custom software for creating and deploying business applications.Skills they've used to be successful in HR: Authenticity is an important core value. In conversations about diversity and inclusion, I use real-world scenarios — including my own experiences — to illustrate why this work is essential. I don't use buzzwords that many people are unclear of. I talk about things in a way that anyone can understand.How they've supported employees during the coronavirus pandemic: I have taken a particular interest in the well-being of our employees, specifically their mental and emotional health. We offer fitness classes, meditation sessions, and mental-health training led by a Harvard professor who is also a licensed mental-health counselor.By offering exercises that focus on burnout, avoiding isolation, and finding meaning in work and one's personal life, I am helping employees find balance while trying to navigate through the ongoing pandemic.Francine Katsoudas, executive vice president and chief people, policy, and purpose officer at CiscoFrancine Katsoudas.Courtesy of Francine KatsoudasCompany: Cisco develops, manufactures, and sells networking hardware, telecom equipment, and other IT services and products.How they've been supporting their company's diversity, equity, and inclusion efforts during the pandemic: In early 2020, right before the pandemic, we established our Social Justice Beliefs and Actions at Cisco outlining our ambitious goals for addressing injustice and establishing a framework to hold the company accountable to its commitments.Although we didn't know it at the time, this blueprint would guide our approach to social-justice issues that arose over the course of the pandemic. While these beliefs and actions were first focused on supporting the Black community, they have become an invaluable working guide to how we as a company respond to injustice and address inequities overall.Initiatives they've taken to address the effects of the Great Resignation: Every quarter, we conduct "engagement pulses" to check in with employees about top-of-mind issues and concerns. We've found that employees who aren't invited to participate in an engagement-pulse meeting are 21 times as likely to leave Cisco than their invited counterparts.We've also done more work to understand people's career trajectories within Cisco, examining the velocity of promotions for groups and individuals. As a result, we're proud to have promoted 30% of our workforce over the past 12 months.Books, podcasts, shows, or movies that inspire them: I'm reading "Black Magic: What Black Leaders Learned from Trauma and Triumph'' by Chad Sanders, who is powerful and inspiring. It was recommended to me by a leader here at Cisco. He said that it reminded him of his experience in corporate America. So by reading it, I have gotten to feel more proximate to his experience and journey, and that has been a wonderful gift.McKensie Mack, CEO at MMGMcKensie Mack.Courtesy of McKensie MackCompany: McKensie Mack Group is a research- and change-management firm that centers on racial and social justice.What initiatives they have taken to address the Great Resignation: Last year, in collaboration with Project Include, we published research on the impact of COVID-19 on remote workers. We developed and shared resources and guiding principles for leaders looking for support and education in reframing how they think about work, benefits, and productivity. Skills they've used to be successful in HR: My training and education as a transformative justice facilitator help me bring a restorative framework to the ways I work with people, de-escalate when situations get tense or uncomfortable, and seek noncarceral and nonpunitive approaches to working with people who make mistakes or cause harm.My knowledge of power, privilege, and positionality has been valuable in HR.Cassie Whitlock, director of HR at BambooHRCassie Whitlock.Courtesy of Cassie WhitlockCompany: BambooHR provides HR software for businesses. Skills they've used to be successful in HR: Understanding data and analysis has been essential in elevating my impact across the organization. Using data has helped me identify and solve complex challenges around screening and hiring, role progression, designing department structures, employee engagement, and retention. Data is the language of business, and it's critical in HR. How they've been supporting their company's diversity, equity, and inclusion efforts during the pandemic: Diversity starts with hiring practices. We had already implemented essential diversity, equity, and inclusion hiring practices like gender decoding on our job ads, diversity representation in the screening process, scorecards for consistent and equitable screening criteria, and antibias training for all hiring managers and interviewers. We also looked at internal diversity to understand how to best support employees. We adapted some roles to help working parents juggle remote work and homeschooling. We offered paid time off for employees who contracted COVID-19 or had to provide care for a family member with the virus. It was also essential to create income stability for employees with personal or family health risk factors.Sara Cooper, chief people officer at JobberSara Cooper.Courtesy of Sara CooperCompany: Jobber provides job tracking and customer-management software for home-service businesses.How the events of the pandemic affected their view of HR's role: The pandemic required HR leaders to be very quick on their feet, to make fast decisions often with little information and in an environment changing by the day. There was no pandemic playbook.The most successful companies did this by creating plans that took into account the evolving information almost daily and listening to their employees and customers. How they've supported employees during the coronavirus pandemic: We realized early in the pandemic that performance during this time had to be approached in a very different way.For example, we implemented "wellness Fridays" in the summers of 2020 and 2021, which provided employees with Fridays off to focus on self-care. In addition, we offered various programs for folks who needed to reduce their hours or take job-protected leaves to focus on themselves or their families. When we eventually reopen our offices, we will be moving to a hybrid structure.I realized early on that there's no single solution for every company but that the key to creating a thriving hybrid environment requires the input of the company's most important stakeholders: its employees.Danielle McMahan, chief people and business-operations officer at WileyDanielle McMahan.WileyCompany: Wiley is a global leader in scientific research and career-connected education.Initiatives they've taken to address the effects of the Great Resignation: We offer employees over 1,000 flexible and affordable degree and nondegree programs, including bachelor's and master's programs. As a global leader in research and education, we practice what we preach to unlock potential and support lifelong learning.How the events of the pandemic affected their view of HR's role: We transformed our department to become more people-centric: focusing on people rather than processes. To formally acknowledge this shift, we said goodbye to "human resources" and renamed our department the People Organization. Our employees are at the center of all that we do.Their favorite interview question: "Tell me your story." I love to hear people's career journeys, and it allows the candidate to reflect on what roles they've held in the past and how those roles inform the type of job they're looking for today.Through these stories, I also typically get to know the candidate personally. I am able to learn what is important to them and what they value. Susan LaMonica, chief human-resources officer, head of corporate social responsibility at Citizens Financial GroupSusan LaMonica.Courtesy of Susan LaMonicaCompany: Citizens Financial Group is one of the nation's oldest and largest financial institutions offering a wide variety of retail and commercial banking products.How they've been supporting their company's diversity, equity, and inclusion efforts during the pandemic: I've played a role in introducing initiatives such as the TalentUp program, which aims to reshape Citizens' workforce and prepare it for continual innovation focused on talent acquisition, reskilling and upskilling, mobility, and redeployment, partnerships, and expanding the talent pipeline.As a result of the program, in 2020, there were nearly 100 new hires sourced directly from early-career programs, with a significant segment identifying as women and people of color. With my main focus being democratization, I have ensured managers have the training and resources available to create equitable and inclusive environments for all colleagues. My team also began tying accountability goals to performance reviews to ensure managers prioritize democratization within their teams while understanding and working to eliminate biases at work.Books, podcasts, shows, or movies that inspire them: "How I Built This" with Guy Raz on NPR is my favorite podcast. Each episode highlights a well-known entrepreneur and their journey. I enjoy learning about the people and the journey behind many successful companies and brands. I'm inspired by the vision and tenacity of these entrepreneurs, many of whom had repeated failures.Ashley Alexander, head of people at FrontAshley Alexander.Front via InkHouseCompany: Front is a software company that develops a shared email inbox and calendar product. How they've supported employees during the coronavirus pandemic: Once we made the decision to transition to remote work, my mission was to ensure that our employees felt supported and connected. We doubled down on activities that fostered a sense of community, like our weekly all-hands meetings on Zoom, ask-me-anything sessions with our executives, and virtual companywide off-site activities.Why they pursued a career in HR: I got into HR because I wanted to help people, but throughout the course of my career, this idea has dramatically expanded. I now view my role as an employee advocate. I strive to demystify why things happen at a company the way they happen. I've found that even if they aren't happy with everything that happens in a company, if they understand our choices, ultimately, they can respect them.Lori Goler, head of people at MetaLori Goler.Courtesy of Lori GolerWhat their company does: Meta is the parent company of Facebook.How they've supported employees during the pandemic: We were the first tech company to shut down our offices, and employees began to work from home. We established an emergency-paid-leave program designed to give people time off for "in the moment emergencies," including eldercare, childcare, and school closures. We developed and executed a global return-to-office health strategy across 60 sites to enable a safe transition for those coming back to the office and created an office-deferral program for those who were not yet ready to return.How they've supported their company's DEI efforts: Meta committed publicly to have at least 50% of our workforce composed of underrepresented groups by 2024 and to increase the number of US-based leaders who are people of color by 30%. We announced in our eighth annual diversity report that in 2021, we increased representation of women, underrepresented minorities, and people with disabilities and veterans to 45.6% of our workforce. This will continue to be a focus for us.How they've addressed the Great Resignation at their company: This year, we introduced a number of new benefits, including a wellness-reimbursement benefit of up to $3,000 annually that people can use for expenses like financial planning, tuition reimbursement, fitness equipment and services, childcare for children over the age of 5, and eldercare. We also launched "choice days," which gives people an additional two days off per year to use however they choose, and we increased our 401(k)-match program to help people save more for retirement.Kali Beyah, global chief talent officer at HugeKali Beyah.HugeWhat their company does: Huge is a digital design and marketing agency. Clients include Google, Coca-Cola, and Unilever.How they've supported employees during the pandemic: Whether giving mental-health days, reimagining our return to the office, extending summer Fridays, flexing for childcare, shifting to "no-meeting Fridays," or continuing to invest in development, transparency, wellness workshops/resources, and DEI — we've taken a holistic and evolving approach.The constant as we evolve is that we listen to our people regularly, and we are authentic in our responses.How they've addressed the Great Resignation at their company: We are reimagining the future of work as the world not only encounters the "Great Resignation" but also the "Great Reevaluation." Our reimagining includes things such as "Huge holidays" (closure and collective recharging three weeks a year), "Huge summer" (work from anywhere in July), "no-meeting Fridays," and summer Fridays.How the pandemic changed their view of HR's role: We have an opportunity to reimagine work and the role it plays in people's lives — and we have an exciting opportunity to debunk false binaries and prove that people and businesses can both thrive.Lauren Nuttall, vice president of people at Boulevard LabsLauren Nuttall.Courtesy of Lauren NuttallCompany: Boulevard is a client-experience platform built for appointment-based self-care businesses.How they've supported employees during the coronavirus pandemic: I opted to take Boulevard 100% remote early on in the pandemic in March 2020. However, as the pandemic persisted into 2021, I realized that with the significant paradigm shift around the viability of remote work, coupled with the growing employee (and candidate) interest in staying fully remote, we needed to deepen our commitment.That meant giving up our physical office space altogether and allowing all employees to move wherever they want in the US without it negatively impacting their existing compensation package. Additionally, the need for better virtual access to mental health and high-quality medical care prompted the decision to bring on One Medical to provide complimentary subscriptions to all employees and their dependents.How they've been supporting their company's diversity, equity, and inclusion efforts during the pandemic: One of the programs that I'm most proud of was a virtual-speaker series where we sought to highlight and amplify underrepresented voices within the beauty and wellness industry.We invited a massage-business owner that catered specifically to LGBTQIA+ clientele for one of the sessions. This created a dialogue around how even limited pronoun options within a booking workflow can be harmful and resulted in us making actual changes to our product to better represent our customers and their clients. Surfacing these opportunities to educate and create dialogue can have incredible ripple effects.Tanya Reu-Narvaez, executive vice president and chief people officer at RealogyTanya Reu-Narvaez.Courtesy of Tanya Reu-NarvaezWhat their company does: Realogy is a real-estate-services firm that owns brokerages including Century 21, Sotheby's International Realty, and Corcoran. How they've supported their company's DEI efforts: To help increase representation in the industry, we established a new partnership with the National Association of Minority Mortgage Bankers of America and expanded the Inclusive Ownership program, an industry-first initiative designed to attract brokerage owners from underrepresented communities to launch their own franchise businesses.How they've addressed the Great Resignation at their company: We have a Go Further Today program where we've made small but impactful changes that decrease meeting and email fatigue and increase efficiency by working smarter.We have no internal meetings on Fridays, encourage employees to make smart decisions about whether to accept or decline meetings, and embrace an "exhale, then email" philosophy to help mitigate the pressure of email overload we're all facing. These are small but mighty changes that make a significant difference for our teams.Noa Geller, vice president of HR at Papaya GlobalNoa Geller.Eyal TouegWhat their company does: Papaya Global is a cloud-based payroll platform. How they've addressed the Great Resignation at their company: We added a learning and development budget for every employee to choose the development course that is meaningful and impactful to them. Driven from our employee-engagement survey, we took initiatives to support work-life balance, such as a work-from-anywhere benefit, allowing our employees to work up to one month per year outside of their home region.Also driven from our engagement survey, we are implementing more trainings around best practices and tools to ease the burnout that is a part of a hypergrowth company during COVID times.How the pandemic changed their view of HR's role: During the pandemic, the HR role became an even more crucial role within every organization. We were proactively working to support COVID policies and work-from-home best practices, and many of these things were unprecedented.HR managers really had to be innovative and creative — and in a very short amount of time. We have supported managers in learning how to manage remotely, how to navigate illnesses and emotional distress among their employees, as well as help employees remain connected to their teams and the company, while not only fully remote but often completely isolated.Tara Ataya, chief people and diversity officer at HootsuiteTara Ataya.HootsuiteWhat their company does: Hootsuite is a social-media-management platform whose clients include Ikea and Costco.How they've supported employees during the pandemic: We restructured the global offices to be used as creative hubs, built for collaboration and social connection, with a special focus on health and mental wellness.In addition, employees were granted the autonomy and benefits they needed to reshape their work environment to choose what works best for them by restructuring our workplace policy so every employee can choose if they wish to work full time in office, remote, or take a hybrid approach.How they've supported their company's DEI efforts: During the pandemic, we built on our partnership with the Black Professionals in Tech Network in Canada to help end systemic racism in the technology sector by providing Black professionals with equal access to opportunities in tech, an expanded peer network, and support in accelerating career growth.This helped foster a stronger sense of belonging in the workplace by joining an allyship training with the Black Professionals in Tech Network, along with 125 Hootsuite employees, including all members of the executive team, about best practices for sourcing Black talent.How the pandemic changed their view of HR's role: The pandemic shifted HR teams from being the best-kept secret superpower to the front-and-center compass for navigating through the most difficult time many organizations and generations have ever faced. The role of HR is one of strategy, that is adept at navigating uncertainty with agility and enables the business to drive meaningful business results with people in mind.Félix Manuel Chinea, diversity, equity, inclusion, and belonging manager at DoximityFélix Manuel Chinea.Courtesy of Félix Manuel ChineaWhat their company does: Doximity is a professional medical network for physicians. The company went public in June.How they've supported employees during the pandemic: My focus during the pandemic has been to make DEI initiatives at Doximity meaningful, impactful, and tangible across the whole organization.By aligning DEI with our company mission and values, we are able to both directly support our employees and empower them to make a meaningful impact in their communities during and beyond the pandemic.How they've addressed the Great Resignation at their company: The Great Resignation has given us an opportunity to reflect on what makes working at our company fulfilling. Our organizational purpose at Doximity is to connect medical professionals and build clinical tools that will ultimately impact patient care. Amid a global pandemic and demand for racial justice, I believe our purpose allows us the opportunity to both attract and retain top talent and make a meaningful impact on health equity across historically marginalized communities.How the pandemic changed their view of HR's role: Both the pandemic and recent demands for racial justice have highlighted the long-standing need for all leaders to develop solutions and cultures that recognize the full humanity of employees.While every person is responsible for fostering an equitable and inclusive culture, DEI leaders must develop a strategic understanding of how to integrate these concepts into their company's organizational structure.Gloria Chen, chief people officer at AdobeGloria Chen.Courtesy of Gloria ChenWhat their company does: Adobe is a global software company. How they've supported employees during the pandemic: What I am most proud of during the pandemic is not what the company has done for our employees but what our employees have done for each other.When India was overcome by the Delta surge, and our employees and their families were ravaged by COVID, our employees created a phone tree to locate hospital beds, located oxygen to bring to hospitals, and cooked and delivered meals to families in quarantine. Our employees were truly our heroes.How they've supported their company's DEI efforts: In 2020, our diversity and inclusion team and our Black Employee Network launched the Taking Action Initiative task force to explore and drive actions we could take to make meaningful change internally and externally to the company.The effort led to strategic partnerships with historically Black colleges and universities, Hispanic-serving institutions, and a sponsorship program to support career advancement for underrepresented individuals.How the pandemic changed their view of HR's role: Having stepped into the role of chief people officer in February 2020, my entire HR experience has been shaped by the pandemic.I learned that the basics of human needs — physical and mental health, a sense of security, and connectedness — cannot be taken for granted in a professional setting. During the pandemic, we lost one of our beloved cofounders. That gave me a tremendous sense of responsibility as a longtime Adobe employee to carry the torch for the values that they instilled in us.Kim Seymour, chief people officer at WW InternationalKim Seymour.WWWhat their company does: WW International (formerly known as Weight Watchers) offers a program for weight loss and wellness.How they've supported their company's DEI efforts during the pandemic: WW recently released an extensive report titled "Black Women & Wellness" to shed light on the disparities and biases that Black women face within the healthcare system today.The report showcases what is being done by changemakers within their communities to create safe spaces, better access to healthcare, and underscore why Black women deserve health, wellness, and quality healthcare.How they've addressed the Great Resignation at their company: Some of our most recent investments to address potential employee burnout include offering Sibly for resilience, One Medical for convenient medical care, and ClassPass for fitness goals. All of our employees at WW are also members and have access to the WW program.In addition to a personal-well-being allowance of $1,000 per employee, my team also created "flex Fridays," which allows employees to start their weekend early by redistributing the hours they work the remainder of that week, whether that's a Zoom-free Friday afternoon or signing off early.Manish Mehta, global head of human resources at BlackRockManish Mehta.Courtesy of Manish MehtaWhat their company does: BlackRock is a global investment manager that employs 16,000 people and manages more than $10 trillion in assets.How they've supported their company's DEI efforts: We are fortunate to have over 80% of our employees participate in one of our 15 global employee, professional, and social impact networks.Each network is sponsored by one or more of our Global Executive Committee members who engage with them to help navigate important cultural and strategic topics. I am a sponsor of our Asian and Middle Eastern Professionals network, which was formally launched in 2021.How they've addressed the Great Resignation at their company: We supported and enabled managers through training modules on delivering feedback, effectively setting objectives and managing performance, motivating and managing teams, and having productive conversations on returning our people to the office.We sustained our focus on career development. This includes career pathing in areas like technology, development programs for our emerging vice-president leaders, and our Black and Latinx managing directors and directors, and increasing our sponsorship programs.How the pandemic changed their view of HR's role: I have seen the difference HR can make in people's lives. Helping people navigate the loss of a loved one or a colleague, supporting the family of an employee we've lost, recognizing and helping those suffering from mental-health challenges, being there to listen and act when an employee does not feel like they belong, growing our benefits to respond to what employees are dealing with in their lives — these are just some of the things that HR does that are not always seen.Karsten Vagner, senior vice president of people at Maven ClinicKarsten Vagner.Courtesy of Karsten VagnerWhat their company does: Maven Clinic is a virtual platform that provides support across fertility, pregnancy, adoption, parenting, and pediatrics.How they've supported their employees during the coronavirus pandemic: Some of the companywide initiatives and programs included Donut, a Slack-integrated app, to help employees maintain that serendipitous connection they've all come to love at the office.We also experimented with other virtual events, like weekly "coffeehouse cabaret" sessions with Broadway talent over Google Hangouts, cooking challenges, a companywide talent show, Halloween in April for employees' children, and more. How they've supported their company's diversity, equity, and inclusion efforts during the pandemic: Working with Maven's people team, the company created employee working groups devoted to getting feedback about various aspects of Maven's business. While it was rewarding to see employee feedback come to life, what I'm most proud of is the fact that neither I nor the executive team did this work in a silo.Our DEI program was completely ground up and centered on employee needs. And it continues to be to this day. The work our organization has done — in recruiting, partnerships, volunteering, product— it's all been led by our employees.How they've supported their employees during the Great Resignation: To combat work-related stress, Maven introduced new programs to support employees' mental health, including group sessions with Maven's mental-health providers and career coaches, mandatory mental-health days, twice-a-week no-meeting blocks, and several weeks where employees had time to recharge and unwind.Elaine Mak, chief people officer at ValimailElaine Mak.Courtesy of Elaine MakWhat their company does: Valimail is a cloud-native platform for validating and authenticating sender identity to avoid phishing, spoofing, and brand hijacking.How they've supported their employees during the coronavirus pandemic: As the pandemic unfolded, it was an opportunity to lay a strategic foundation on Valimail's organizational design to serve a dual purpose: Drive talent acquisition and retention and seat people at the table to become an integral voice in making decisions that affect them.In 18 months, my team has refreshed Valimail's company mission, values, and strategy to explicitly prioritize and resource people and DEI efforts. My team has also pivoted the leadership model to a cross-functional structure that distributes power, agency, and autonomy of decision-makers across levels.I've also led the people team to expand and diversify the leadership team at Valimail to ensure appropriate voices and perspectives have a seat at the table to inform strategic decisions. How they've supported their company's diversity, equity, and inclusion efforts during the pandemic: We empowered a DEI committee resourced with an executive sponsor and budget focused on wellness initially to address burnout. Along with other company efforts, we have the foundation to execute a strategic road map on DEI education and development and further cement DEI at the heart of our business and people strategy.Lastly, our efforts in people and DEI culminated in an employer-brand makeover that authentically reflects a day-to-day reality where people-first is core to our culture.Kerris Hougardy, vice president of people at AdaKerris Hougardy.AdaWhat their company does: Ada is an automation platform that powers brand interactions between companies and their customers.How they've supported their employees during the coronavirus pandemic: Ada's first priority during the pandemic was to assess the health and safety of its employees and to implement an immediate change to the work environment.The transition to a full-remote, digital-first culture required Ada to ensure its employees could work and communicate effectively.Our employee-relations team is on hand to support anyone going through work or personal issues. We have a wellness fund for each employee to get access to support — mental health and physical, access to ClassPass, and lunch and learns where they can listen to speakers around burnout and resiliency.How have the events of the pandemic affected your view of HR's role? HR is no longer only about hiring and firing employees, but about supporting and engaging with employees as whole humans.People should be able to show up authentically and do their best work, to feel acceptance and belonging, and to feel supported with life's ups and downs.Cheryl Johnson, chief human-resources officer at PaylocityCheryl Johnson.Courtesy of Cheryl JohnsonWhat their company does: Paylocity provides cloud-based payroll- and human-capital-management software.How they've supported their employees during the coronavirus pandemic: My HR leaders collaborated with Paylocity's Diversity Leadership Council to ensure that company benefits intentionally built an inclusive and equitable culture for current and future employees and their families.The group also confirmed that medical plans aligned with the World Professional Association for Transgender Health (WPATH) Standards of Care for the Health of Transsexual, Transgender, and Gender Nonconforming People.For financial flexibility, we rolled out a loan program, offering interest-free loans to any employees in need, along with on-demand payment for early access to earned wages if needed. At the same time, we introduced voluntary furloughs for up to 90 days and implemented an international work program to allow employees to work abroad for up to 90 days.How they've supported their employees during the Great Resignation: We formed task forces to understand why people were leaving but, more importantly, why people were staying. Recently our HR team has found success socializing "stay interviews," which help managers to improve their direct-report relationships, keep at-risk talent, and provide broader insights to build culture and connection.Giving employees greater transparency helps them spot career opportunities and paths to growth. Our HR team is implementing succession planning efforts to identify and develop key talent and give employees more freedom to impact how, where, and when they work. Dave Carhart, vice president of people at LatticeDave Carhart.Courtesy of Dave CarhartWhat their company does: Lattice is a people-management platform that helps leaders build engaged, high-performing teams.How they've supported their employees during the coronavirus pandemic: Work was stressful in "normal" pre-COVID times, but the pandemic has created new levels of burnout and exhaustion.Recognizing this, in 2020, I oversaw the rollout of Lattice "recharge days," a number of designated days where the entire company is off on the same day with the explicit goal of stepping away from work mentally. The recharge days has since been made permanent, with six annual recharge days added to our annual calendar on top of national holidays and flexible PTO. How have the events of the pandemic affected your view of HR's role? It's reminded us how critical it is to lead with empathy and represent a very human voice within our workplaces. We are asking people to bring their whole selves and all of their energy and commitment.With that will also come their personal passions, their family commitments, and the individual challenges that they are facing. We need to embrace all of that and come with support for the whole person and their family, too.Marlee Raber Proukou, director of people operations at JetsonMarlee Raber Proukou.Courtesy of Marlee ProukouWhat their company does: Jetson is a personal-mobility-devices company that sells electric bikes, electric scooters, and hoverboards.How they've supported their employees during the Great Resignation: In addition to navigating a global pandemic, our employees have had to adjust to the company's rapid growth, resulting in many being spread thin and approaching burnout.We've tried to address this two ways — focusing on both recruitment and employee appreciation. We built a larger people-operations team to increase our recruitment efforts, bringing in much needed full-time and contract hires to assist with our ever-increasing workload so our employees can enjoy more of a balance.Through bigger efforts, like rewarding our employees with promotions, bonuses, and raises to smaller changes like our new "all-star award" — a peer-nominated cash award presented monthly to an employee who is impacting their teammates — we continuously try to let our employees know we are grateful for them.How have the events of the pandemic affected your view of HR's role? The role has evolved from what many people thought of as traditional HR functions, like payroll and benefits administration, to encompass more people-centric priorities like supporting employees' work-life balance, ensuring a work environment that is both productive and safe, and creating an increasingly diverse workforce.In today's world, a successful HR team is quick-thinking, strategic, and empathetic. Most importantly, we are working to understand and support our employee's personal and professional experiences in what has been an extremely turbulent two years.Karen Craggs-Milne, vice president of ESG at ThoughtExchangeKaren Craggs-Milne.Courtesy of Karen Craggs-MilneWhat their company does: ThoughtExchange is a patented antibias enterprise tool that leaders use to gain insights that inform decision-making.How they've supported their employees during the coronavirus pandemic: With the pandemic causing a global shift to remote work, and recognizing the diverse circumstances of the company's employee base, we brought an equity lens to the people team's COVID-response initiatives.By asking diverse employees what they needed most to navigate the pandemic and how to best support employee well-being across different employee populations, we helped ThoughtExchange identify tailored solutions that made a big difference to employees.Listening to its employees, we offered financial support during school closures so parents could hire tutors, purchase memberships to educational sites or resources, and continue to ensure their children's educational needs were met.What are the skills you have used to be successful in HR? Empathy and patience are arguably the two most important characteristics to grasp when being a leader in HR.Employees want to feel heard and recognized during their time at an organization, and leveraging the ability to understand where all opinions are coming from, and then negotiating the best collective outcomes, is key to maintaining top talent that feels safe and valued within their work environment.Read the original article on Business Insider.....»»

Category: topSource: businessinsiderMar 18th, 2022

A Beverly Hills estate that has been on and off the market for 20 years and was previously owned by a Russian businessman is listed for $26 million — take a look

The Loma Vista Estate spans two acres in prime Beverly Hills. It has seven bedrooms, 13 bathrooms, and a detached guest house. The fountain feature in front of the house.Courtesy of One Shoot Production. A mansion once owned by Russian businessman Gennady Moshkovich is for sale for $26 million. The home, known as the Loma Vista Estate, sits in prime Beverly Hills. The entire lot spans nearly two acres and has a guest house in addition to the main residence. A Beverly Hills mansion formerly owned by a Russian businessman is on the market for $26 million.A bird's eye view of the entire Loma Vista Estate.Courtesy of One Shoot ProductionThe mansion was formerly owned by Russian businessman Gennady Moshkovich, head of Moschanko Investment Group — the company behind a $4 billion theme park being built just outside of Moscow. Moshkovich bought the house in 1998, the New York Post reported.Moshkovich had previously tried to sell the place in 2020 as part of a reorganization plan for his bankruptcy case, per Bloomberg.The listing has been on and off the market since 2001, with a listing-price high of $28.8 million in late 2017, property records show. The estate, now listed for $25.99 million, hit the market in February, the Real Deal first reported.Adi Perez with The Agency has the listing.Perez told Insider that Moshkovich no longer retains ownership of the house as of July 2021, and that the current owner is a local businessman who declined to be named.Situated behind large gates, the one-story estate was built in 1974 and sits near the historic Greystone Mansion in Beverly Hills.Exterior shot of the mansion.Courtesy of One Shoot ProductionIn addition to the main residence, the property comes with a detached guest house.Source: The AgencyThe two-acre estate has seven bedrooms, 13 bathrooms, and six fireplaces. The house has high ceilings and floors made of stone and wood.The living room.Courtesy of One Shoot ProductionSource: The Agency and Realtor.comA 10-seater table in the dining room offers plenty of space to host guests.The lavish dining room with a 10-seater table.Courtesy of One Shoot ProductionSource: The Agency and Realtor.comThe gourmet kitchen is replete with a kitchen island.The kitchen.Courtesy of One Shoot ProductionSource: The Agency and Realtor.comThe garden can be easily accessed through the full-length glass doors in at least one of the bedrooms.One of the seven bedrooms in the mansion.Courtesy of One Shoot ProductionSource: The Agency and Realtor.comOne of the bathrooms is outfitted with a bathtub, shower, and a double vanity.The luxurious bathroom.Courtesy of One Shoot ProductionSource: Realtor.comOut back, the house opens up to stone pool and hot tub with fountain features.The outdoor stone pool and spa.Courtesy of One Shoot ProductionThe detached guest house has three beds and two bathrooms, as well as its own kitchen, dining, and living area.Source: The AgencyAmong the estate's amenities is a sauna, a gym, and a wine cellar. It also has a three-car garage and 10 open parking spaces.Interior shot of the sauna.Courtesy of One Shoot ProductionSource: The AgencyThe 11,000-square-foot estate features a private basketball court on the grounds as well.The basketball court.Courtesy of One Shoot ProductionSource: The AgencyRead the original article on Business Insider.....»»

Category: topSource: businessinsiderMar 17th, 2022

Leading the Charge

Four years after being named one of the Top 30 Influential Women of Houston in 2017, Ige Johnson was approached by a fellow entrepreneur receiving the same accolade. That’s when she heard six words that motivate her to this day: “You paved the way for me.” As the broker/owner of RE/MAX Generation in Texas, the […] The post Leading the Charge appeared first on RISMedia. Four years after being named one of the Top 30 Influential Women of Houston in 2017, Ige Johnson was approached by a fellow entrepreneur receiving the same accolade. That’s when she heard six words that motivate her to this day: “You paved the way for me.” As the broker/owner of RE/MAX Generation in Texas, the team leader of a top-producing, all-female real estate team and a mentor to budding entrepreneurs, Johnson’s drive for success is unstoppable. She’s not alone. The RE/MAX network—with a presence in over 110 countries and territories, and more than 140,000 agents worldwide—has long had a reputation for attracting full-time professionals dedicated to delivering results and closing transactions. “The RE/MAX network is composed of ambitious, inspiring professionals with diverse outlooks all around the world,” says RE/MAX Holdings chief financial officer, Karri Callahan. “It’s one of the many reasons why nobody in the world sells more real estate than RE/MAX, as measured by residential transaction sides.” True leaders emerge when their desire to excel is coupled with a professional environment designed for reaching—and exceeding—goals. At RE/MAX brokerages, aptitude, attitude and a track record of success help define these leaders. And these leaders, in turn, help define RE/MAX. Perhaps it’s why RE/MAX has the “No. 1 Most Trusted Real Estate Agents,” according to a BrandSpark® study in the USA* and Canada,** and has been named the No. 1 real estate franchise brand for 13 years by the 2021 Franchise Times Top 400 (previously the Franchise Times Top 200), which ranks the largest U.S. franchises. That sentiment has held true for the global real estate franchisor since the beginning. RE/MAX Holdings Vice Chair of the Board and RE/MAX Co-Founder Gail Liniger emerged as a trailblazer in 1973 when she took a seat at the table as the first RE/MAX employee. Alongside RE/MAX Holdings Chairman of the Board and RE/MAX Co-Founder Dave Liniger, the pair set the framework to sustainably develop a real estate powerhouse on every inhabitable continent. They assembled a leadership team, established offices and attracted agents with the condition that the person assuming the role was the best qualified candidate, regardless of gender—a concept not widely adopted at the time. Today, approximately 52% of RE/MAX agents globally—and 47% of all RE/MAX franchise owners—are female. Leveraging an affiliation with the now-iconic hot air balloon logo, leaders within the RE/MAX network follow in Gail Liniger’s footsteps as they redefine the boundaries of building business in the residential, commercial and luxury sectors. The RE/MAX business model, which empowers affiliates to conduct business their own way, inspires entrepreneurship and leadership of all kinds. Aligning With the Brand “RE/MAX was always a dream of mine,” Johnson reveals. “I told my colleagues, ‘We are professionals. And RE/MAX is the home of professionals. So, we need to go to RE/MAX. I was ready to make my business bigger and better.” “You either go big or go home,” she remembers saying as she and her business partner prepared to leave an independent company and open their own real estate brokerage. RE/MAX Generation is now thriving under Johnson’s creative direction and leadership. Since aligning with the RE/MAX brand, she boasts an impressive collection of accolades, including RE/MAX Broker/Owner of the Year in 2020 and Super Trailblazer for the Top 50 Black Professionals and Entrepreneurs of Texas in 2021. Johnson’s journey, however, hasn’t happened alone—she prides her brokerage on its culture of mentorship, and measures success by the successes of those around her. Johnson channels the way she guides RE/MAX Generation and emulates it throughout the greater Houston community, too. She founded the nonprofit organization Women on the Move, which provides mentorship for women in the workforce and connects those exploring a new career field—like real estate—with an advisor in that space. Guiding RE/MAX Initiatives RE/MAX, part of the RE/MAX Holdings family of brands, operates alongside ancillary real estate offerings including Motto® Mortgage, the only national franchisor of mortgage brokerage services in the U.S. Callahan, who has helped navigate RE/MAX Holdings through expansion for more than eight years, plays a critical role in the company’s growth initiatives. “A fundamental transformation started back in 2016 when we launched Motto Mortgage, and it has continued with more recent technology platforms—like loan processing company wemloSM and AI-powered lead-generating app First®—that we’ve acquired to bolster the value propositions of our two franchise brands,” Callahan explains. Alongside Callahan in the RE/MAX Holdings C-suite is Chief Operating Officer Serene Smith, who is responsible for corporate strategy, culture and alignment. Together with other top leaders within the company, Callahan and Smith guide the decisions and direction of RE/MAX. In Smith’s 15-year tenure with RE/MAX Holdings, which began with a senior manager role, one of her proudest accomplishments is having been a catalyst in the attainability of data. “We made the decision four years ago to build an internal Enterprise Business Intelligence department dedicated to helping the organization become more data-driven. That decision spurred us to form our data company, G37SM, which has made transformational advancements for RE/MAX technology tools and provides exponential value to our affiliates,” Smith says. As a harbinger in the brand’s technological revolution, Smith reflects the company culture of seeking solutions that work for all stakeholders. “A great strength of our executive leadership team is being open to looking at situations from all sides,” Smith says. “We try to always consider a variety of viewpoints and perspectives.” Growing to New Levels RE/MAX brokerages vary in size, with some spanning multiple states—like RE/MAX Results in Minnesota and Wisconsin. Brenda Tushaus, the franchise’s chief executive officer, oversees 47 offices and supports more than 1,300 agents. “I worked in the IT department for RE/MAX Results, began assuming higher roles and started to make a noticeable impact in the brokerage’s success. People would tell me, ‘You’re going to be the CEO someday,'” Tushaus recalls, having turned a vision into reality. During more than 21 years as a RE/MAX affiliate, and nearly four in her current role, Tushaus has been instrumental in facilitating acquisitions that keep the Midwestern franchise growing. Despite the brokerage’s tremendous size, she works hard to foster a “small brokerage culture” and establishes programs to ensure the wellbeing of agents. Two years ago, Tushaus launched a diversity, equity and inclusion committee dedicated to advocating for fair housing, promoting equality and increasing education on related matters. Adoption of RE/MAX tech tools is a top priority for her as well. “We support all of the tools provided by RE/MAX, LLC,” she says. “Our agents love having the ability to customize ads and access platforms that provide predictive analytics.” These tools include the innovative First app, which helps identify contacts in an agent’s network who are most likely to list their homes; digital advertising platforms for creating customized ads; a branded content creation platform; the brand’s proprietary technology ecosystem and customer relationship management; and a dashboard of luxury home marketing tools and concierge services designed to streamline business. Under Tushaus’ leadership in 2021, RE/MAX Results affiliates completed more than 28,000 transaction sides. Results like this speak to the quality of the brokerage, but also to the productivity of RE/MAX agents. On average, RE/MAX agents closed more than twice as many transaction sides as all other agents (15.4 vs. 7) among the 1,000 brokerages with the highest sales volume in the 2021 RISMedia Power Broker Report. Leading by Example An attorney turned real estate pro, Kendall Bonner, broker/owner of RE/MAX Capital Realty and owner of Motto Mortgage Resource in Florida, says she has two passions under the real estate umbrella: technology and marketing. “I never knew that social media—a medium that combines them both—would be something I would embrace in the way that I have,” Bonner says. “My mindset is a model I call ‘Learn, Test, Teach.’ I like to learn new things that can be useful to myself and others, test them out to ensure they work, and then teach them.” She adds, “I support and encourage technology that enhances the consumer experience without replacing the most essential asset of the transaction: the agent.” Social media has become Bonner’s key to connectivity as a leader. Through building her online personal brand, “Improve Your Hustle,” alongside the RE/MAX name, she is able to teach agents valuable lessons and skills, and produce consumer-facing content that helps alleviate the stresses of the home-buying and -selling processes. Bonner shares that gratitude is a guiding principle for her leadership. “When you live a life in gratitude, it benefits others and yourself equally. I remind all the people around me how grateful I am for them every day,” she says. “Gratitude leads to empathy, and living with these two qualities at the core of everything I do has really helped me build loyal relationships with the people I work alongside. “My ultimate goal is to help other people be amazing.” Supporting Communities “RE/MAX is a wonderful avenue for me because it allows me to spread my wings and have new experiences, yet still conduct my business the way I want to,” says Pamela Banks, an agent with RE/MAX Prestige Realty in Florida. Many RE/MAX affiliates impact the industry by filling a leadership role in local, regional or national real estate organizations. Banks is one of those leaders, having served as the 2021 National President of the Women’s Council of REALTORS®, a network affiliated with the National Association of REALTORS® dedicated to advancing women as leaders in the real estate industry and in their local communities. She champions agents getting involved in adjacent communities and organizations for the connections and opportunity to make a positive impact. “Oftentimes, people think they don’t have time to volunteer. Honestly, you don’t have time not to get involved,” Banks remarks. “You learn so much when collaborating with people who have different perspectives.” Banks’ proudest accomplishment in her time as the organization’s president was the establishment of an international initiative that provides women in other countries more opportunities to get involved with real estate. Under her leadership, members of the Women’s Council of REALTORS® helped jumpstart local women-led real estate organizations in parts of South and Central America and provide ongoing support. She also helped establish an online global mastermind group of women to share experiences from all corners of the world. Community involvement, and especially giving back, is integral to RE/MAX culture. In 2021, RE/MAX agents and offices around the world banded together on Global RE/MAX Day, the network’s day of service, to donate goods, clean up neighborhoods, feed families and continue raising money for Children’s Miracle Network Hospitals®, the brand’s philanthropic partner of 30 years. “What’s so impressive to me about RE/MAX agents is that they are ingrained in their local communities. On a daily basis, and through hardships like natural disasters, the network always comes together and finds ways to help each other,” Callahan reflects, noting that RE/MAX affiliates have donated more than $170 million to CMN Hospitals in the U.S. and Canada since 1992. “RE/MAX fosters a unique culture, and it stems from the values—and entrepreneurial spirit—on which the company was built.” Adding to that unique culture is the willingness of agents to share skills in an effort to strengthen the industry and the brand. That, says Smith, is what RE/MAX is all about. “RE/MAX is the place for building businesses and communities—and we’re honored to provide a platform for everyone. Gail Liniger really created a foundation for women to achieve anything they set their minds to, and that energy will be woven into the RE/MAX culture forever.” *Voted most trusted Real Estate Agency brand by American shoppers based on the 2022 BrandSpark® American Trust Study. **Voted Most Trusted Real Estate Agency brand by Canadian shoppers based on the 2022 BrandSpark® Canadian Trust Study. ***2021 analysis of the average number of transactions closed by more than 52,000 active RE/MAX agents in the U.S. and Canada (excluding Quebec) who joined RE/MAX on or after 1/1/2012. For more information, please visit remax.com. The post Leading the Charge appeared first on RISMedia......»»

Category: realestateSource: rismediaMar 10th, 2022

A Simple and Attainable Tech Stack

If you can’t get a seat at the table, build your own. That’s been Stacie Staub’s mantra since she launched West + Main Homes with her business partner Madeline Linder nearly five years ago. It’s also an ethos that Staub says she developed after years of being the only woman in the room on many […] The post A Simple and Attainable Tech Stack appeared first on RISMedia. If you can’t get a seat at the table, build your own. That’s been Stacie Staub’s mantra since she launched West + Main Homes with her business partner Madeline Linder nearly five years ago. It’s also an ethos that Staub says she developed after years of being the only woman in the room on many occasions. “In the beginning, it wasn’t always easy or even possible to find a seat at the table,” says Staub, founder and owner of the Colorado-based firm. “Oftentimes, I like to say we’ve had to build our table. And I’ve chosen to fill that table with diversity, especially women-led and innovative companies.” That table has continued to grow as Staub has developed West + Main Homes into a brand that hasn’t had to rely on recruiting to expand its footprint. Instead, the company has organically grown to 400 agents and 10 offices across three states in just two years based on building an appealing brand for agents and pursuing opportunities that fit. “We like to say that we say ‘yes’ and then figure it out,” explains Staub. “And if something seems like it’s a good fit for us, we go for it.” West + Main Homes expanded into Oklahoma in April 2020 through a brand partnership with the former Dwelling Co. The brokerage also branched into Oregon by acquiring Fred Real Estate Group in November 2021, after the brand’s founders began considering retirement. Since acquiring Fred Real Estate, Staub notes that they’ve continued to thrive in Oregon, adding another office and hiring agents quickly. The growth is primarily due to West + Main Homes’ focus on agent and client service. “We wake up every day and remind ourselves that the agents are our clients. We ask ourselves how we can better serve them so that they can take care of their clients on a higher level,” says Staub, adding that technology and tools play a significant role in that endeavor. Touting a “simple and attainable” tech stack, Staub says the brokerage has had a longstanding partnership with Real Estate Webmasters. While West + Main Homes has been collaborating with the real estate tech company since its inception, the brokerage is piloting a revenue-share program via Real Estate Webmasters’ fast track program. The program offers lead generation, websites and CRMs to top agents at West + Main Homes while helping mitigate the brokerage’s technology costs. “It’s kind of incomparable in our industry to have the opportunity as an agent or small team to have what looks like a very robust website, generating a ton of leads through SEO and a very balanced approach to PPC and ad spend,” says Staub. According to Morgan Carey, CEO of Real Estate Webmasters, the program makes it easier for brokerages to apply by reducing setup fees and contract terms, saving participating brokerages thousands of dollars per month. “Our goal with Stacie is that as they grow, they are going to need a budget,” says Carey. “Any growing independent has to be cautious of their budget and make sure they make good decisions, so a program like this eliminates their most expensive costs.” With further expansion on the horizon, Staub says that Real Estate Webmasters’ partnership is essential to their plans. “Real Estate Webmasters makes it so easy for us to provide a beautiful online space for our agents, and to generate leads for them affordably and painlessly,” concludes Staub. For more information, visit www.realestatewebmasters.com. Jordan Grice is RISMedia’s associate online editor. Email him with you real estate news ideas, jgrice@rismedia.com. The post A Simple and Attainable Tech Stack appeared first on RISMedia......»»

Category: realestateSource: rismediaMar 10th, 2022

Former Provence space resurrected by owner as Josie"s Table

When the pandemic forced change on many restaurants, the owner of Provence at Stuyvesant Plaza took it as a sign. The restaurant has now reopened with a new name and a new concept......»»

Category: topSource: bizjournalsJan 16th, 2022

Tour the coolest features of the new electric Chevy Silverado, from ultra-fast charging to a front trunk

It isn't just electric power that makes the Chevy Silverado EV special. The new truck can also power your home and swallow 11-foot items. 2024 Chevrolet Silverado EV RST.Chevrolet The new Chevy Silverado EV is electric, but that's not all it brings to the table.  The new pickup from GM offers a host of interesting and unique features.  A one-of-a-kind passage between the cab and bed makes room for huge, 11-foot-long items.  The all-electric Chevy Silverado EV dropped on Wednesday with a $39,900 starting price.2024 Chevrolet Silverado EV.ChevroletMuch like it's crosstown rival, Ford's F-150 Lightning, the Silverado EV brings a lot to the table aside from electric motors and a battery.2024 Chevrolet Silverado EV.ChevroletGeneral Motors packed the Silverado EV with a boatload of interesting features sure to entice truck owners to consider a zero-emission alternative.2024 Chevrolet Silverado EV.ChevroletFor starters, the Silverado EV can act like a giant mobile battery pack for powering a construction project, campsite, or tailgate.2024 Chevrolet Silverado EV.ChevroletThe PowerBase charging system can provide power to up to 10 outlets with an available accessory.2024 Chevrolet Silverado EV WT.ChevroletLike the F-150 Lightning, the Silverado EV can share power with another electric vehicle or an owner's home. The Silverado EV offers up to 10.2 kilowatts of energy, a skosh more than the Ford's 9.6 kilowatts.2024 Chevrolet Silverado EV RST.ChevroletThe Silverado EV can charge at up to 350 kilowatts. That basically means that under ideal conditions — when it's plugged into a very high-powered charger — it can accept a dump of energy much faster than other electric cars.2024 Chevrolet Silverado EV RST.ChevroletChevy says the Silverado EV is capable of adding 100 miles of range in 10 minutes.2024 Chevrolet Silverado EV RST.ChevroletThe $105,000 RST First Edition comes with what Chevy calls the Multi-Flex Midgate, something you can't get anywhere else.2024 Chevrolet Silverado EV RST.ChevroletThe midgate is a pathway from the bed to the Silverado's cab that lets owners haul extra-long items.2024 Chevrolet Silverado EV.ChevroletYou can open a piece of the midgate to make room for something long and skinny, like a kayak or some wood boards.2024 Chevrolet Silverado EV RST.ChevroletOr you can fling open the entire thing to accommodate especially large items, like a stack of plywood.2024 Chevrolet Silverado EV RST.ChevroletOr perhaps something more fitting for an electric truck, like a pile of solar panels.2024 Chevrolet Silverado EV RST.ChevroletThe available Multi-Flex Tailgate, which is also an option on gas-powered Chevys, makes the bed even more functional.2024 Chevrolet Silverado EV.ChevroletIt can act as a bed extender, ensuring that long items don't slide out.2024 Chevrolet Silverado EV.ChevroletAnd you can use it as a step to get in and out of the bed.2024 Chevrolet Silverado EV.ChevroletSpeaking of storage, electrification means that truck owners can now get something they've rarely had before: a trunk!2024 Chevrolet Silverado EV RST.ChevroletThe Silverado's hood and grille area lift up to reveal a nifty cargo compartment that uses the space that normally would be taken up by a gas engine.2024 Chevrolet Silverado EV WT.ChevroletIt's a great spot for storing things owners don't want in the bed or cab.2024 Chevrolet Silverado EV WT.ChevroletChevy also envisions accessories for the frunk like slide-out drawers and tool boxes. The RST First Edition will also come equipped with four-wheel steering, which will be an optional feature on other models.2024 Chevrolet Silverado EV RST.ChevroletFour-wheel steering should allow the Silverado EV to manage tight turns more effectively, a welcome feature for anyone who has tried to slide a full-size truck into a tight parking space.2024 Chevrolet Silverado EV RST.ChevroletAnd it'll have Super Cruise, GM's driver-assistance system that enables hands-free driving on 200,000 miles of approved roadways. That's available on lots of GM models, but on the Silverado EV you'll be able to use Super Cruise while towing a trailer.2024 Chevrolet Silverado EV RST.ChevroletThe Silverado EV is available to preorder now. It hits the streets in mid-2023 in two versions: the Work Truck and the fully-loaded RST First Edition.2024 Chevrolet Silverado EV WT.ChevroletRead the original article on Business Insider.....»»

Category: personnelSource: nytJan 6th, 2022

Boeing teamed up with a yacht interior design company to create a private jet cabin for the 737 MAX - see inside

The aesthetic for both concepts focuses on a combination of tans, browns, and beiges to give the plane a luxurious feel without being too bold. Boeing Business Jets 737 MAX Concept Boeing Boeing Business Jets revealed a new cabin collaboration with yacht interior designer Mark Berryman. The company's converted MAX private jets can be fitted with Berryman's Executive or Private interior concepts. The cabin designs' aesthetic features brown, tan, and beige colors, wood walls, and "Asian accents." Boeing Business Jets is Boeing's private aviation sector, customizing its passenger aircraft for corporate or government customers. Boeing Business Jets Boeing Source: Boeing The conversions allow for more space and enhanced onboard amenities for travelers, like a bedroom, shower, entertainment area, lounge, dining room, and office. Boeing Business Jets Jet Aviation Source: Boeing BBJ works with a handful of designers to bring fresh concepts to the interior of its aircraft, with its most recent cabin collaboration bridging sea and sky. Boeing Business Jets 737 MAX Concept Boeing Source: Boeing, Mark Berryman Design In partnership with Mark Berryman, a British superyacht design consultant, BBJ has revealed two new yacht-inspired interior concepts: Executive, which focuses on corporate flying... Boeing Business Jets 737 MAX Concept Boeing Source: Mark Berryman Design And Private, which focuses on personal use. According to Berryman, the aesthetic for both concepts focuses on a combination of tans, browns, and beiges to give the plane a warm, luxurious feel without being too bold. Boeing Business Jets 737 MAX Concept Boeing Source: Mark Berryman Design The Executive concept offers an open space layout and up to 12 convertible workstations that can double as beds. "We spent a lot of time on the flexibility of spaces, things that could serve three of four purposes on one journey, and multifunctional spaces that are easy to convert," Berryman told Robb Report. Boeing Business Jets 737 MAX Concept Boeing Source: Mark Berryman Design, Robb Report The front of the Executive cabin has an open lounge area with 12 chairs, integrated printers, and TVs. Also in the front of the aircraft is a lavatory and small kitchenette. Boeing Business Jets 737 MAX Concept Boeing Source: Mark Berryman Design Continuing towards the middle of the jet is another large conference area with a long couch facing two swivel armchairs and a coffee table. The combination of textures, leather, and suede mixed with the wall art and plants give the space an elegant, cozy feel. Boeing Business Jets 737 MAX Concept Boeing Source: Mark Berryman Design Beyond the third lounge is a flying office with a desk, chair, TV, and couch. The power ports, light accents, and open concept make the space favorable for working on the go. Boeing Business Jets 737 MAX Concept Boeing Source: Mark Berryman Design At the back of the plane are a second lavatory, shower, and bedroom with a double bed and two L-shaped desk areas, perfect for a couple or two CEOs to work. The entire aircraft's floor-to-ceiling wood design and "Asian accents" give the plane a relaxed, yacht-like feel, according to Berryman. Boeing Business Jets 737 MAX Concept Boeing Source: Mark Berryman Design "Most of what we saw when we looked around were very high-tech, sleek designs," said Berryman. "They look great, but it's not necessarily something you want for a 14- or 15-hour flight. We wanted people to feel like they could relax and put their feet up." Boeing Business Jets 737 MAX Concept Boeing Source: Mark Berryman Design, Robb Report The second concept is Private, which was designed for personal use. The concept offers sleeping accommodations for eight and more private spaces than Executive, making it feel more like a house than a plane. Boeing Business Jets 737 MAX Concept Boeing Source: Mark Berryman Design The entrance of Private is a spacious foyer with a grey stone wall, adding to the luxurious feel of the private jet. Boeing Business Jets 737 MAX Concept Boeing Source: Mark Berryman Design The cabin concept also has a dining room with theater-style armchairs and a sofa... Boeing Business Jets 737 MAX Concept Boeing Source: Mark Berryman Design A lounge with two armchairs, a TV, and a long sofa... Boeing Business Jets 737 MAX Concept Boeing Source: Mark Berryman Design And an owner's suite that includes an office with a desk and L-shaped couch... Boeing Business Jets 737 MAX Concept Boeing Source: Mark Berryman Design A contemporary bedroom with an illuminated panel behind the bedhead... Boeing Business Jets 737 MAX Concept Boeing Source: Mark Berryman Design, Runway Girl Network And an ensuite bathroom with a rainfall shower. Boeing Business Jets 737 MAX Concept Boeing According to Berryman, the aircraft's private interior is designed with more bulkheads which offer more privacy and provide more wall space for art and niche space for sculptures or objects to be displayed. Boeing Business Jets 737 MAX Concept Boeing Source: Mark Berryman Design, Robb Report Read the original article on Business Insider.....»»

Category: topSource: businessinsiderOct 24th, 2021

The 5 best thermometers in 2021

A reliable thermometer can accurately tell if you or your child are running a fever. We rigorously tested 10 of the top brands; here are the 5 best. Table of Contents: Masthead Sticky Every household should have an accurate digital thermometer and know how and when to use it. The CDC recommends checking your temperature before heading to work, school, or other public places. Our top pick, iProven's DMT-489, reads accurately in 1 second and can be used in-ear or on forehead. This article was medically reviewed by Benjamin Hoffman, MD, professor of pediatrics at Oregon Health and Science University. Having an accurate thermometer on hand can help tell you how severely the body is in distress - whether it's confirming that you or your baby is ill enough to need a doctor or the hospital, or if your systems are safe after being exposed to dangerous weather.A fever also one of the key symptoms of COVID-19, and many businesses, school, gyms, and other public places as you to confirm you don't have one before entering. (It's worth noting that influenza usually produces higher fevers than common colds, and not everyone with COVID19 even spikes a fever.) Luckily, getting a quick temperature reading is remarkably easy and safe these days. But the biggest variable among thermometers you can buy is really just: Is it accurate? That's why I tested 10 leading thermometers, in addition to speaking with many experts and parents on which type of home thermometer is best and other FAQs on therometers and fevers.Here are the best thermometers to check for a fever:Best thermometer overall: iProven Forehead and Ear Thermometer DMT-489Best thermometer on a budget: Vicks Comfort Flex ThermometerBest infrared non-contact thermometer: iHealth No-Touch Forehead Thermometer PT3Best thermometer for daily testing: Kinsa Quick Care Smart ThermometerBest thermometer for kids: Exergen Temporal Artery Thermometer with Smart Glow How we tested thermometers Molly Hebda/Insider I reached out to a number of pediatricians for their expert opinion on thermometers and read journal articles, "Consumer Reports," customer reviews, and even spoke with 20 parents about their temperature-taking experiences.I narrowed it down to the top 10 thermometers and tested each myself nine times over the course of three days on myself and my two kids, as well as a handful of times on my sister and two of my nieces, one of whom is an infant. I also handed off two of the infrared thermometers to Cindy Mrotek, owner of A.C.E Behavior Solutions, an essential business screening adults and children with special health care needs upon entry, for testing over the course of one week.I looked at each product's speed, size of display, mute options, memory recall, batteries, warranty options, and storage containers. I also looked hard look at:Accuracy, precision, and readability of thermometer instructions: You have to use a thermometer correctly for an accurate reading, so I evaluated the information on each product's box and inside its user manual from a health literacy perspective, including how helpful and easy to read the instructions were. Models varied, with some having a quick guide with pictures (great), information in Spanish (big bonus), or a QR code for video instructions, while others had print so tiny you need a magnifying glass to read it.  Cost and availability: Since thermometers are an essential part of an at-home health kit, they need to be affordable. Some on our list are the price of two cups of coffee, while others are upwards of $30, but we also layout how you can save money on a thermometer by using your health savings account or flex spending account.  Best thermometer overall Molly Hebda/Business Insider The iProven Forehead and Ear Thermometer DMT-489 is highly impressive with an accurate instant read in just one second, versatile use, and comprehensive instructions on quality packaging. Pros: User friendly, easy to read, nice storage pouch, precise, can be used either contactless or in-earCons: Cap to change methods difficult to snap on, no probe covers The iProven DMT-489 infrared therometer is two-in-one, as it allows you to switch from reading via an in-ear probe or a forehead setting, the latter of which is safer for infants under 3 months old.It was highly accurate in my tests, reading within 0.5-1.0 degrees again and again for forehead readings and within 0.5-0.8 degrees for ear mode. It also displays the temperature within one second.There are separate buttons for "head" and "ear," and to change from one to the other, you need to snap on or off the top cap of the thermometer, which I found a little difficult but still doable.To get an accurate ear temperature,  you have to insert and place the probe top correctly, so be sure to read the instructions thoroughly. It took me a couple of tries to feel confident taking my own temperature this way.I liked that it has a fever alarm and color temperature indication to take the guesswork out of interpreting the readings. The manual also includes a very comprehensive comparison table on how to interpret measurements based on age and method. The thermometer can also store up to 20 past readings for easy comparison. The devices comes with two AA batteries, a soft pouch for storage (great for travel and diaper bags), and cleaning instructions. It also comes with a two-year limited warranty and the option of an extended year warranty for free. Best budget thermometer Molly Hebda/Business Insider The Vicks Comfort Flex Thermometer was the most affordable of the thermometers tested, easy to use, and has a large digital screen with color-coded readings to indicate fever.Pros: Affordable, multiuse, precise, large digital display, comes with probe coversCons: Very loud beep, must turn off and on between readings, colored fever alerts misleading, coin cell battery is more annoying to replace The Vicks Comfort Flex Thermometer is easy to use right out the box: There's only one button and you have the option to use the device orally, rectally, or under the arm. Its runs on an included coin cell button battery.I found the large digital display to be the easiest to read of all the thermometers I tested. It also beeps the loudest of the group, which is especially helpful for seniors with visual and hearing impairments, but also could be a nuisance for some considering the beeping lasts a full eight seconds.The LCD screen uses a color temperature indication alongside displaying the actual number, which is generally helpful but fever isn't the same for everyone so this could be alarmist if you run hot.The precision and repeatability of the thermometer was quite good in my tests and only varied by about 0.5 degrees. Although the box says the Vicks Comfort Flex Thermometer takes 10-12 seconds to read your temperature, I found it was actually much quicker with a response time of 5 to 6 seconds orally and 6 to 7 seconds rectally. It is a little annoying that you have to turn it off and back on to take a second reading, and it is  only able to recall the last reading you took. But I did like that this model comes with 100 disposable probe covers and a protective holder, along with a one-year limited warranty and instructions in English and Spanish. Best infrared non-contact thermometer Molly Hebda/Business Insider The iHealth No-Touch Forehead Thermometer PT3 reads in just one second and makes it easy to accurately take anyone's temperature while being socially distant. Pros: Fast reading, precise, no beeping, helpful content in user manual  Cons: Vibration may be missed, prone to user error, doesn't work well for kids that won't sit stillPrior to testing the iHealth No-Touch Forehead Thermometer PT3 myself, I'd already seen it in action for pre-screening at both my dentist's office and my daughter's daycare. It seemed like a good product that offered quick readings.When I tested it myself, I found that first impression held up. Instead of a beeping alarm, the device vibrates once it has a reading, which also lights up the LED display. This is nice if you don't want a loud noise, and upon testing, I found the precision and repeatability varied only by 0.5 degrees. I also had Cindy Mrotek, whose business A.C.E Behavior Solutions screens people upon entry, try it out and she said the iHealth was a faster read compared to other infrared thermometers. However, she added it was a bit difficult to use on kids that can't sit still. I myself found the device woudn't read if it was too far away from the skin.The iHealth comes with a user manual in English and Spanish, a quick guide with pictures, two AAA batteries, and cleaning instructions. It also has a one-year limited warranty.  Best thermometer for daily testing Molly Hebda/Business Insider If you're tech-savvy and looking for a great smart thermometer, the Kinsa Quick Care Smart Thermometer can be used three ways and even allows you to contribute to public health research. Pros: Diverse way to read temps, can support multiple family members and keep temperature records separate, has great app features, contributes to public health research  Cons: Needs app to work, does not include probe covers,Every morning, I have to self-certify that my kids are free of COVID-19 symptoms before sending them off to school. A smart thermometer like the Kinsa — which stores all the readings for each individual family member on my phone and helps me monitor their baseline temperature — makes that daily routine much easier to manage.The Kinsa Quick Care Smart Thermometer connects to your smartphone via Bluetooth and uses an app, which I found easy to set up. I then created profiles for each member of my family, which includes inputting their birthdays to help the app's algorithm provide appropriate care instructions person to person. You can also add notes, symptoms, and track medication doses within the app.After each reading, the thermometer displays not only the temperature but a happy, neutral, or sad-face emoji corresponding with fever status.You can check the temperature orally, under the armpit, or rectally (they also make a separate model specific for in-ear use). Although the box says the response time is 8 seconds, I found it to read a temperature between 2 to 3 seconds when used orally. The precision varies between 0.8 and 0.5 degrees.Kinsa sits in a really unique space for both thermometers and smart equipment contributing to public health: As Hilary Brueck, Insider's Senior Health and Science reporter, has laid out, the smart thermometer has helped forecast outbreaks of both the coronavirus and the flu, including detecting fever spikes weeks before hospitals and clinics start to see an influx of patients. It's an added bonus that using this stellar, versatile, and accurate thermometer can help contribute to predicting COVID hotspots. Best thermometer for kids Molly Hebda/Business Insider The Exergen Temporal Artery Thermometer with Smart Glow was the most accurate and consistent out of all the thermometers I tested and has over 80 peer-reviewed clinical studies to back up its use on children. Pros: Most precise tested, suitable for all ages older than three monthsCons: Unintuitive, dim display, plastic cap to protect the sensor easy to lose Next to rectal thermometers, temporal artery thermometers are the most reliable way to get an accurate reading on children and babies over 3 months of age. (Use a rectal thermometer on infants under 3 months.) With the Exergen Temporal Artery Thermometer, a gentle stroke across a child's forehead captures the naturally emitted heat waves coming from the skin over the temporal artery to give a reading in 2 to 3 seconds. It can store up to eight readings. When tested repeatedly, the Exergen thermometer delivered the most consistent and precise results of any model tested on myself and my kids — within 0.3 degrees.However, unlike other models with backlight displays, the Exergen has a relatively small LCD display screen with a dim readout. It may be hard to see if you are in a dark room. However, unlike others, this thermometer wasn't as intuitive to use, despite having instructions printed directly on the back of the device, I wasn't sure if I was correctly stroking the top of the unit across the forehead. But the instruction manual had a QR code which led to videos demonstrating how to use it, which was helpful. The model comes with a 9V battery already installed, cleaning instructions, and a five-year limited product warranty.Read our guide to the best thermometers for babies and children for additional options. What else we considered Molly Hebda/Business Insider What we recommendBraun Thermoscan 7 Ear Thermometer ($38): This is a fantastic in-ear thermometer with much peer-reviewed research to back it up, and not only do we recommend it but many parents I spoke with already own it. The downsides are it takes 10 seconds to read a temp, and it's the most expensive option I tested — especially when you factor in the disposable lens filters that need replacing for accuracy and hygiene.Dr. Talbot's Infrared Forehead Thermometer, Non-Contact ($19.89): This device has comparable precision and speed to the iHealth and is designed for contactless reading of infants over 3 months, including adults. I liked this device and it was easy to operate, but it's more expensive than the iHealth and was difficult to change the settings using only the trigger. Kinsa Smart Ear Thermometer ($39.99): The Kinsa is super sleek and easy to use on yourself, which can be tricky for the ear. I also found the app to be tremendous in terms of content with very helpful instructions. Even though the readings only took a second, the precision tended to vary by 1.5 degrees.What we don't recommendCVS Health Flexible Tip Digital Thermometer ($18.49): This unit was disqualified because did not function at all. Vicks SpeedRead Digital Thermometer with Fever InSight ($9.72): Despite being called "SpeedRead," this device took 8 seconds to deliver a reading — slower than its cousin, the Vicks Comfort Flex, our best budget thermometer. Plus, I found the SpeedRead to have a metallic taste. What we're looking forward to tryingExergen Temporal Artery Thermometer Original ($42.99): We were unable to test this due to an inventory shortage at the time we were evaluating thermometers for this guide. Which type of at-home thermometer is best? Your basic digital thermometer options to choose from are: Single-use stick thermometer (marketed for rectal only) Multiuse stick thermometer (rectum, mouth, or armpit)  Tympanic thermometer (ear) Temporal artery thermometer (forehead)Tympanic and temporal thermometer (ear and forehead) Infrared non-contact thermometer (forehead)  Though there's plenty of apprehension about no-contact thermometers, a column in Ask a Pediatrician by Dr. Elizabeth Murray, an official spokesperson for the AAP, addresses those concerns directly. Murray says that "the claims about their danger are false … It is the infrared energy coming from the person that is being gathered by the thermometer, not infrared light being projected to the person."All thermometers sold in the United States must meet federal standards and are already calibrated for home use at the time of purchase. FAQs Which type of thermometer is the most accurate?Dr. John Vann, a pediatrician in Omaha, told Insider that only a rectal temperature offers a true outpatient reading. "Everything else is an estimate," he said."Luckily, the exact number is not usually as important as how the patient looks," he adds. Which is to say, there are other indicators of how severe someone's illness or condition is other than an optimally-accurate temperature reading. There are also reliable methods for checking your temperature even if you don't have access to a thermometer.No matter if you opt for an infrared thermometer or a strictly ear-based model, it's important to know fever isn't the same for everyone and that it varies by age, gender, and time of day, among other variables. Using a thermometer at various times of the day when you're feeling well gives you an idea of what's normal for you, or your baseline temperature. Which is the best thermometer for home use?Among at-home thermometers, medical research hasn't determined an exact correlation between oral, rectal, ear, armpit, and forehead temperature measurements. But Kaiser Permanente notes that an ear (tympanic) temperature is 0.5 to 1 degree higher than an oral temperature and a forehead (temporal) scanner is usually 0.5 to 1 degree lower than an oral temperature. What is the best thermometer to use for COVID?The best thermometer for COVID is really just one that is accurate and reliable. That means any of the thermometers on our list are great for checking for COVID symptoms. That being said, if you're using the thermometer on more than one person, it's best to use a contactless reader to not cross-contaminate. In that case, we highly recommend the iHealth No-Touch Forehead Thermometer PT3 or the Exergen Temporal Artery Thermometer with Smart Glow, both of which proved to be accurate and reliable in my tests.Can I use my HSA/FSA funds to buy a thermometer?If you have an HSA or an FSA account, know that over-the-counter digital thermometers are eligible for reimbursement without a prescription. Here's how it works: If you pay with cash or credit card in a store or online, you can request a reimbursement from your HSA/FSA account. Different plans have different requirements on what's needed for reimbursement but usually, a copy of your thermometer receipt will be enough.There are HSA and FSA-specific retailers, like the HSA Store and the FSA Store that make shopping for items that qualify for reimbursement really simple. According to both websites, when shoppers use an HSA or FSA card to pay, they typically don't have to submit receipts; purchases on these websites automatically substantiate. It is worth noting, however, that the thermometer options available on these websites are limited and cost more than other retailers. What counts as a fever?Many Americans think anything over 98.6 degrees Fahrenheit is a problem, but what constitutes a fever is actually different person to person.Rik Heller, a biomedical engineer and thermographic expert, tells Insider, "Age, gender, and even time of day impact normal body temperatures." Some children's temperatures especially run higher than others, points out Dr. Jesse Hackell, a practicing pediatrician with New York-based Pomona Pediatrics. Any reading of 100.4 F or higher in a baby younger than 3 months is reason to call the pediatrician. "Another reason to call is if the fever persists for more than 24 hours in children younger than two and more than three days in a child 2 years of age or older," he said.Meanwhile, older adults tend to have lower baseline temperatures than younger adults; sometimes fevers in the elderly are completely absent.To figure out what's a fever for you, you want to find your baseline temperature (i.e., what's normal for you) by checking your temperature at various times of the day when you are feeling well. At the end of the day, how you or your child is acting and feeling is the best indicator of a fever over the number on a thermometer, multiple of our doctors say. Our expert sources Jesse Hackell MD, FAAP, chair of the American Academy of Pediatrics Committee on Practice and Ambulatory Medicine and a practicing pediatrician with New York-based Pomona Pediatrics, a division of Boston Children's Health PhysiciansJohn Vann, MD, FAAP, a pediatrician at Omaha Children's Clinic in Omaha, NebraskaDr. Jenifer Johnson, a family medicine physician and internist at Westmed Medical Group in Westchester, NYRik Heller, a biomedical engineer and thermographic expert who founded the clinical-grade thermometer company, WelloCindy Mrotek, business owner of ACE Behavior SolutionsAP News. Infrared thermometers used for COVID-19 testing do not pose risk to pineal gland. July 28, 2020Consumer Reports. Thermometer Buying Guide. September 23, 2016NASA. Ingestible Thermometer Pill Helps Athletes Beat the Heat. January 8, 2007EPA. Mercury Thermometers. June 26, 2018CDC. How COVID19 Spreads. October 5, 2020Business Insider. Coronavirus temperature scans are nothing more than pandemic security theater. In some cases, they're dangerous.Mayo Clinic. Thermometers: Understand the options. September 15, 2018HealthyChildren.org. When to Call the Pediatrician: Fever. November 21, 2015HealthyChildren.org. How to Take Your Child's Temperature. October 12, 2020HealthyChildren.org. Are Infrared Thermometers Safe? October 15, 2020New York Times. Can Smart Thermometers Track the Spread of the Coronavirus? March 18, 2020Kaiser Permanente. Fever Temperatures: Accuracy and Comparison. June 26, 2019HSA Store websiteFSA Store website Read the original article on Business Insider.....»»

Category: topSource: businessinsiderOct 14th, 2021

The 5 Best Thermometers in 2021

A reliable thermometer can accurately tell if you or your child are running a fever. We rigorously tested 10 of the top brands; here are the 5 best. Table of Contents: Masthead Sticky Every household should have an accurate digital thermometer and know how and when to use it. The CDC recommends checking your temperature before heading to work, school, or other public places. Our top pick, iProven's DMT-511, reads accurately in 1 second and can be used in-ear or on forehead. This article was medically reviewed by Benjamin Hoffman, MD, professor of pediatrics at Oregon Health and Science University. Having an accurate thermometer on hand can help tell you how severely the body is in distress - whether it's confirming that you or your baby is ill enough to need a doctor or the hospital, or if your systems are safe after being exposed to dangerous weather.A fever also one of the key symptoms of COVID-19, and many businesses, school, gyms, and other public places as you to confirm you don't have one before entering. (It's worth noting that influenza usually produces higher fevers than common colds, and not everyone with COVID19 even spikes a fever.) Luckily, getting a quick temperature reading is remarkably easy and safe these days. But the biggest variable among thermometers you can buy is really just: Is it accurate? That's why I tested 10 leading thermometers, in addition to speaking with many experts and parents on which type of home thermometer is best and other FAQs on therometers and fevers.Here are the best thermometers to check for a fever:Best thermometer overall: iProven Forehead and Ear Thermometer DMT-511Best thermometer on a budget: Vicks Comfort Flex ThermometerBest infrared non-contact thermometer: iHealth No-Touch Forehead Thermometer PT3Best thermometer for daily testing: Kinsa Quick Care Smart ThermometerBest thermometer for kids: Exergen Temporal Artery Thermometer with Smart Glow How we tested thermometers Molly Hebda/Insider I reached out to a number of pediatricians for their expert opinion on thermometers and read journal articles, "Consumer Reports," customer reviews, and even spoke with 20 parents about their temperature-taking experiences.I narrowed it down to the top 10 thermometers and tested each myself nine times over the course of three days on myself and my two kids, as well as a handful of times on my sister and two of my nieces, one of whom is an infant. I also handed off two of the infrared thermometers to Cindy Mrotek, owner of A.C.E Behavior Solutions, an essential business screening adults and children with special health care needs upon entry, for testing over the course of one week.I looked at each product's speed, size of display, mute options, memory recall, batteries, warranty options, and storage containers. I also looked hard look at:Accuracy, precision, and readability of thermometer instructions: You have to use a thermometer correctly for an accurate reading, so I evaluated the information on each product's box and inside its user manual from a health literacy perspective, including how helpful and easy to read the instructions were. Models varied, with some having a quick guide with pictures (great), information in Spanish (big bonus), or a QR code for video instructions, while others had print so tiny you need a magnifying glass to read it.  Cost and availability: Since thermometers are an essential part of an at-home health kit, they need to be affordable. Some on our list are the price of two cups of coffee, while others are upwards of $30, but we also layout how you can save money on a thermometer by using your health savings account or flex spending account.  Best thermometer overall Molly Hebda/Business Insider The iProven Forehead and Ear Thermometer DMT-511 is highly impressive with an accurate instant read in just one second, versatile use, and comprehensive instructions on quality packaging. Pros: User friendly, easy to read, nice storage pouch, precise, can be used either contactless or in-earCons: Cap to change methods difficult to snap on, no probe covers The iProven DMT-511 infrared therometer is two-in-one, as it allows you to switch from reading via an in-ear probe or a forehead setting, the latter of which is safer for infants under 3 months old.It was highly accurate in my tests, reading within 0.5-1.0 degrees again and again for forehead readings and within 0.5-0.8 degrees for ear mode. It also displays the temperature within one second.There are separate buttons for "head" and "ear," and to change from one to the other, you need to snap on or off the top cap of the thermometer, which I found a little difficult but still doable.To get an accurate ear temperature,  you have to insert and place the probe top correctly, so be sure to read the instructions thoroughly. It took me a couple of tries to feel confident taking my own temperature this way.I liked that it has a fever alarm and color temperature indication to take the guesswork out of interpreting the readings. The manual also includes a very comprehensive comparison table on how to interpret measurements based on age and method. The thermometer can also store up to 20 past readings for easy comparison. The devices comes with two AA batteries, a soft pouch for storage (great for travel and diaper bags), and cleaning instructions. It also comes with a two-year limited warranty and the option of an extended year warranty for free. Best budget thermometer Molly Hebda/Business Insider The Vicks Comfort Flex Thermometer was the most affordable of the thermometers tested, easy to use, and has a large digital screen with color-coded readings to indicate fever.Pros: Affordable, multiuse, precise, large digital display, comes with probe coversCons: Very loud beep, must turn off and on between readings, colored fever alerts misleading, coin cell battery is more annoying to replace The Vicks Comfort Flex Thermometer is easy to use right out the box: There's only one button and you have the option to use the device orally, rectally, or under the arm. Its runs on an included coin cell button battery.I found the large digital display to be the easiest to read of all the thermometers I tested. It also beeps the loudest of the group, which is especially helpful for seniors with visual and hearing impairments, but also could be a nuisance for some considering the beeping lasts a full eight seconds.The LCD screen uses a color temperature indication alongside displaying the actual number, which is generally helpful but fever isn't the same for everyone so this could be alarmist if you run hot.The precision and repeatability of the thermometer was quite good in my tests and only varied by about 0.5 degrees. Although the box says the Vicks Comfort Flex Thermometer takes 10-12 seconds to read your temperature, I found it was actually much quicker with a response time of 5 to 6 seconds orally and 6 to 7 seconds rectally. It is a little annoying that you have to turn it off and back on to take a second reading, and it is  only able to recall the last reading you took. But I did like that this model comes with 100 disposable probe covers and a protective holder, along with a one-year limited warranty and instructions in English and Spanish. Best infrared non-contact thermometer Molly Hebda/Business Insider The iHealth No-Touch Forehead Thermometer PT3 reads in just one second and makes it easy to accurately take anyone's temperature while being socially distant. Pros: Fast reading, precise, no beeping, helpful content in user manual  Cons: Vibration may be missed, prone to user error, doesn't work well for kids that won't sit stillPrior to testing the iHealth No-Touch Forehead Thermometer PT3 myself, I'd already seen it in action for pre-screening at both my dentist's office and my daughter's daycare. It seemed like a good product that offered quick readings.When I tested it myself, I found that first impression held up. Instead of a beeping alarm, the device vibrates once it has a reading, which also lights up the LED display. This is nice if you don't want a loud noise, and upon testing, I found the precision and repeatability varied only by 0.5 degrees. I also had Cindy Mrotek, whose business A.C.E Behavior Solutions screens people upon entry, try it out and she said the iHealth was a faster read compared to other infrared thermometers. However, she added it was a bit difficult to use on kids that can't sit still. I myself found the device woudn't read if it was too far away from the skin.The iHealth comes with a user manual in English and Spanish, a quick guide with pictures, two AAA batteries, and cleaning instructions. It also has a one-year limited warranty.  Best thermometer for daily testing Molly Hebda/Business Insider If you're tech-savvy and looking for a great smart thermometer, the Kinsa Quick Care Smart Thermometer can be used three ways and even allows you to contribute to public health research. Pros: Diverse way to read temps, can support multiple family members and keep temperature records separate, has great app features, contributes to public health research  Cons: Needs app to work, does not include probe covers,Every morning, I have to self-certify that my kids are free of COVID-19 symptoms before sending them off to school. A smart thermometer like the Kinsa — which stores all the readings for each individual family member on my phone and helps me monitor their baseline temperature — makes that daily routine much easier to manage.The Kinsa Quick Care Smart Thermometer connects to your smartphone via Bluetooth and uses an app, which I found easy to set up. I then created profiles for each member of my family, which includes inputting their birthdays to help the app's algorithm provide appropriate care instructions person to person. You can also add notes, symptoms, and track medication doses within the app.After each reading, the thermometer displays not only the temperature but a happy, neutral, or sad-face emoji corresponding with fever status.You can check the temperature orally, under the armpit, or rectally (they also make a separate model specific for in-ear use). Although the box says the response time is 8 seconds, I found it to read a temperature between 2 to 3 seconds when used orally. The precision varies between 0.8 and 0.5 degrees.Kinsa sits in a really unique space for both thermometers and smart equipment contributing to public health: As Hilary Brueck, Insider's Senior Health and Science reporter, has laid out, the smart thermometer has helped forecast outbreaks of both the coronavirus and the flu, including detecting fever spikes weeks before hospitals and clinics start to see an influx of patients. It's an added bonus that using this stellar, versatile, and accurate thermometer can help contribute to predicting COVID hotspots. Best thermometer for kids Molly Hebda/Business Insider The Exergen Temporal Artery Thermometer with Smart Glow was the most accurate and consistent out of all the thermometers I tested and has over 80 peer-reviewed clinical studies to back up its use on children. Pros: Most precise tested, suitable for all ages older than three monthsCons: Unintuitive, dim display, plastic cap to protect the sensor easy to lose Next to rectal thermometers, temporal artery thermometers are the most reliable way to get an accurate reading on children and babies over 3 months of age. (Use a rectal thermometer on infants under 3 months.) With the Exergen Temporal Artery Thermometer, a gentle stroke across a child's forehead captures the naturally emitted heat waves coming from the skin over the temporal artery to give a reading in 2 to 3 seconds. It can store up to eight readings. When tested repeatedly, the Exergen thermometer delivered the most consistent and precise results of any model tested on myself and my kids — within 0.3 degrees.However, unlike other models with backlight displays, the Exergen has a relatively small LCD display screen with a dim readout. It may be hard to see if you are in a dark room. However, unlike others, this thermometer wasn't as intuitive to use, despite having instructions printed directly on the back of the device, I wasn't sure if I was correctly stroking the top of the unit across the forehead. But the instruction manual had a QR code which led to videos demonstrating how to use it, which was helpful. The model comes with a 9V battery already installed, cleaning instructions, and a five-year limited product warranty.Read our guide to the best thermometers for babies and children for additional options. What else we considered Molly Hebda/Business Insider What we recommendBraun Thermoscan 7 Ear Thermometer ($60): This is a fantastic in-ear thermometer with much peer-reviewed research to back it up, and not only do we recommend it but many parents I spoke with already own it. The downsides are it takes 10 seconds to read a temp, and it's the most expensive option I tested — especially when you factor in the disposable lens filters that need replacing for accuracy and hygiene.Dr. Talbot's Infrared Forehead Thermometer, Non-Contact ($20): This device has comparable precision and speed to the iHealth and is designed for contactless reading of infants over 3 months, including adults. I liked this device and it was easy to operate, but it's more expensive than the iHealth and was difficult to change the settings using only the trigger. Kinsa Smart Ear Thermometer ($40): The Kinsa is super sleek and easy to use on yourself, which can be tricky for the ear. I also found the app to be tremendous in terms of content with very helpful instructions. Even though the readings only took a second, the precision tended to vary by 1.5 degrees.What we don't recommendCVS Health Flexible Tip Digital Thermometer ($18.50): This unit was disqualified because did not function at all. Vicks SpeedRead Digital Thermometer with Fever InSight ($10): Despite being called "SpeedRead," this device took 8 seconds to deliver a reading — slower than its cousin, the Vicks Comfort Flex, our best budget thermometer. Plus, I found the SpeedRead to have a metallic taste. What we're looking forward to tryingExergen Temporal Artery Thermometer Original ($35): We were unable to test this due to an inventory shortage at the time we were evaluating thermometers for this guide. Which type of at-home thermometer is best? Your basic digital thermometer options to choose from are: Single-use stick thermometer (marketed for rectal only) Multiuse stick thermometer (rectum, mouth, or armpit)  Tympanic thermometer (ear) Temporal artery thermometer (forehead)Tympanic and temporal thermometer (ear and forehead) Infrared non-contact thermometer (forehead)  Though there's plenty of apprehension about no-contact thermometers, a column in Ask a Pediatrician by Dr. Elizabeth Murray, an official spokesperson for the AAP, addresses those concerns directly. Murray says that "the claims about their danger are false … It is the infrared energy coming from the person that is being gathered by the thermometer, not infrared light being projected to the person."All thermometers sold in the United States must meet federal standards and are already calibrated for home use at the time of purchase.  FAQs Which type of thermometer is the most accurate?Dr. John Vann, a pediatrician in Omaha, told Insider that only a rectal temperature offers a true outpatient reading. "Everything else is an estimate," he said."Luckily, the exact number is not usually as important as how the patient looks," he adds. Which is to say, there are other indicators of how severe someone's illness or condition is other than an optimally-accurate temperature reading. There are also reliable methods for checking your temperature even if you don't have access to a thermometer.No matter if you opt for an infrared thermometer or a strictly ear-based model, it's important to know fever isn't the same for everyone and that it varies by age, gender, and time of day, among other variables. Using a thermometer at various times of the day when you're feeling well gives you an idea of what's normal for you, or your baseline temperature. Which is the best thermometer for home use?Among at-home thermometers, medical research hasn't determined an exact correlation between oral, rectal, ear, armpit, and forehead temperature measurements. But Kaiser Permanente notes that an ear (tympanic) temperature is 0.5 to 1 degree higher than an oral temperature and a forehead (temporal) scanner is usually 0.5 to 1 degree lower than an oral temperature. What is the best thermometer to use for COVID?The best thermometer for COVID is really just one that is accurate and reliable. That means any of the thermometers on our list are great for checking for COVID symptoms. That being said, if you're using the thermometer on more than one person, it's best to use a contactless reader to not cross-contaminate. In that case, we highly recommend the iHealth No-Touch Forehead Thermometer PT3 or the Exergen Temporal Artery Thermometer with Smart Glow, both of which proved to be accurate and reliable in my tests.Can I use my HSA/FSA funds to buy a thermometer?If you have an HSA or an FSA account, know that over-the-counter digital thermometers are eligible for reimbursement without a prescription. Here's how it works: If you pay with cash or credit card in a store or online, you can request a reimbursement from your HSA/FSA account. Different plans have different requirements on what's needed for reimbursement but usually, a copy of your thermometer receipt will be enough.There are HSA and FSA-specific retailers, like the HSA Store and the FSA Store that make shopping for items that qualify for reimbursement really simple. According to both websites, when shoppers use an HSA or FSA card to pay, they typically don't have to submit receipts; purchases on these websites automatically substantiate. It is worth noting, however, that the thermometer options available on these websites are limited and cost more than other retailers. What counts as a fever?Many Americans think anything over 98.6 degrees Fahrenheit is a problem, but what constitutes a fever is actually different person to person.Rik Heller, a biomedical engineer and thermographic expert, tells Insider, "Age, gender, and even time of day impact normal body temperatures." Some children's temperatures especially run higher than others, points out Dr. Jesse Hackell, a practicing pediatrician with New York-based Pomona Pediatrics. Any reading of 100.4 F or higher in a baby younger than 3 months is reason to call the pediatrician. "Another reason to call is if the fever persists for more than 24 hours in children younger than two and more than three days in a child 2 years of age or older," he said.Meanwhile, older adults tend to have lower baseline temperatures than younger adults; sometimes fevers in the elderly are completely absent.To figure out what's a fever for you, you want to find your baseline temperature (i.e., what's normal for you) by checking your temperature at various times of the day when you are feeling well. At the end of the day, how you or your child is acting and feeling is the best indicator of a fever over the number on a thermometer, multiple of our doctors say. Our expert sources Jesse Hackell MD, FAAP, chair of the American Academy of Pediatrics Committee on Practice and Ambulatory Medicine and a practicing pediatrician with New York-based Pomona Pediatrics, a division of Boston Children's Health PhysiciansJohn Vann, MD, FAAP, a pediatrician at Omaha Children's Clinic in Omaha, NebraskaDr. Jenifer Johnson, a family medicine physician and internist at Westmed Medical Group in Westchester, NYRik Heller, a biomedical engineer and thermographic expert who founded the clinical-grade thermometer company, WelloCindy Mrotek, business owner of ACE Behavior SolutionsAP News. Infrared thermometers used for COVID-19 testing do not pose risk to pineal gland. July 28, 2020Consumer Reports. Thermometer Buying Guide. September 23, 2016NASA. Ingestible Thermometer Pill Helps Athletes Beat the Heat. January 8, 2007EPA. Mercury Thermometers. June 26, 2018CDC. How COVID19 Spreads. October 5, 2020Business Insider. Coronavirus temperature scans are nothing more than pandemic security theater. In some cases, they're dangerous.Mayo Clinic. Thermometers: Understand the options. September 15, 2018HealthyChildren.org. When to Call the Pediatrician: Fever. November 21, 2015HealthyChildren.org. How to Take Your Child's Temperature. October 12, 2020HealthyChildren.org. Are Infrared Thermometers Safe? October 15, 2020New York Times. Can Smart Thermometers Track the Spread of the Coronavirus? March 18, 2020Kaiser Permanente. Fever Temperatures: Accuracy and Comparison. June 26, 2019HSA Store websiteFSA Store website Read the original article on Business Insider.....»»

Category: topSource: businessinsiderOct 14th, 2021

Transcript: Chamath Palihapitiya

     The transcript from this week’s, MiB: Chamath Palihapitiya on Venture Investing, is below. You can stream and download our full conversation, including the podcast extras on iTunes, Spotify, Google, Bloomberg, and Acast. All of our earlier podcasts on your favorite pod hosts can be found here. ~~~ RITHOLTZ: This week on the… Read More The post Transcript: Chamath Palihapitiya appeared first on The Big Picture.      The transcript from this week’s, MiB: Chamath Palihapitiya on Venture Investing, is below. You can stream and download our full conversation, including the podcast extras on iTunes, Spotify, Google, Bloomberg, and Acast. All of our earlier podcasts on your favorite pod hosts can be found here. ~~~ RITHOLTZ: This week on the podcast, man, strap yourself in. This is really one of the old-time greats. Chamath Palihapitiya, Founder of Social Capital, very successful venture capitalist, part-owner of the Golden State Warriors, and all-around insightful investor social critic, and tech wonk. If you’re interested in anything from technology to social media, to venture investing, startups, entrepreneurship, I don’t know what else to say other than strap yourself in. This is a great one. With no further ado, my conversation with Chamath Palihapitiya. VOICE-OVER: This is Masters in Business with Barry Ritholtz on Bloomberg Radio. RITHOLTZ: I’m Barry Ritholtz. You’re listening to Masters in Business on Bloomberg Radio. My extra special guest this week is Chamath Palihapitiya. He is the Founder of Social Capital, one of the more interesting and successful venture capitalist out in Palo Alto. He is also an Engineer and Team Leader working at places like AOL, Facebook, and Slack. He has been known as the SPAC King for his numerous successful deals in that space. And he is also a 10 percent owner of the Golden State Warriors. Chamath Palihapitiya, welcome to Bloomberg. PALIHAPITIYA: Barry, thanks. RITHOLTZ: I’ve been looking forward to having this conversation for a while. Let’s — normally, I start with people’s backgrounds and we go chronologically, but you have some quotes that I love, and I want to ask you about them and let you run wild with them, “Starting with venture capital properly deployed can solve the biggest problems filling the void left by the shrinking scientific ambitions of governments, foundations, and international organizations. Explain. PALIHAPITIYA: Well, if you look at what’s happening in California or what’s happening at the federal level of the United States currently, there’s a really interesting thing that’s happened, which is we have effectively single-party rule. You have a, you know, elected leader that’s of one party. You have a Senate that’s of that same party, a House and then, you know, in the case of California, mayors as well, all democratic in this case. And what’s interesting is it also happens to be a moment in time where the societal problems that we’ve been facing are the worst they’ve ever been. Climate change is worse than it’s ever been. We have a water crisis. We have an impending food crisis, homelessness, crime. And you have to ask yourself, well, if a single party like — you know, when you have a typical normal, you know, political set-up, you have these two opposing forces and you have to find common ground. And each party says the exact thing, which is, well, if we had complete control, this would all be fixed. And it turns out that two examples where you have complete control, in fact, nothing gets fixed, even less gets fixed than what got fixed before. So why is that? It’s that the toolkit of policy and the toolkit of societies has changed. It’s no longer as much about laws necessarily, but it’s about technology. It’s about code. It’s about very specific inventions of science. And the problem with that then, well, then you would say, “Well, great. Well, that’s the solution to all of our problems. If we go in and figure out how to actually, you know, just have more of all of that stuff, everything will be solved.” OK, well, then — then you go in and you decompose that problem to first principles. And what you find is, for example, in places like core scientific research, people care more about citations, and papers, and research, and it’s also highly politicized and infested with all kinds of infighting. And so, foundations can’t fund the work that they used to. Universities aren’t nearly as good and actually promoting massive breakthroughs. So more and more of this responsibility gets put on for-profit enterprises, but to be very specific, they have to be for profit and they have to be technical. And when you see it that way, the venture capitalist all of a sudden has this critical role in society that they didn’t have before because they are a translator. They are, you know, in a technical meeting the smartest business person, but in a business meeting the smartest technical person. And they’re able to put these things together to solve problems. And so, that’s what I was trying to get across, which is we need more people building for-profit technical businesses, organizing resources against problems. RITHOLTZ: So — so let’s stay with the concept of — of venture capital being organized to solve problem and talk a little bit about Social Capital. Tell us about your first couple of venture investments and who were your first limited partners. PALIHAPITIYA: So, I was a Facebook at the time, and I had been doing a bunch of angel investing. And this is maybe 2008 or ’09, but I was the first solo G.P., I think, in many ways. I was putting some money to work of my own money, small checks, Barry, $10,000, $15,000. RITHOLTZ: Early seed round, right? PALIHAPITIYA: Early seed rounds in, you know, 2007 and ’08, basically all the money that I had. And I had to win. I met a guy named Rick Thompson, an amazing entrepreneur, who started a gaming company. And I jumped in with two feet. I invested my money. I spent a little bit of time there helping him, you know, sort of — I mean, as a — as a part-timer, obviously, because I was working at Facebook at the time. And the company gets bought by Disney for like 750 million bucks and I made a few million bucks. And I thought, “This is it.” I have my — I have my escape velocity. And at the time at Facebook, they were all these people that were trying to invest in the company. And Zuck basically said to me, “Hey, can you help sort out whose money we should take?” I mean, I was running Facebook platform, I was building Facebook Mobile, I was doing all of these products so — but I was like, “Yeah, sure, I guess.” And I met the guys at Tiger Global, Chase Coleman specifically, and we built a relationship and then, you know, Tiger ended up investing in the business. And along the way, you know, I said, “Hey, I’m thinking of, you know, investing a little bit of capital on the side.” And he goes, “Well, if you organize a little LLC, you know, I’m happy to kick in a, you know, a few shovels.” And so, all of a sudden, I had this little group of me and my friends, and I just organized about 11 million bucks, you know, and I was like three or four of it and like, you know, other couple of folks jumped in for 50K there, 500K there, a million there, whatever. And so, while I was a full-time employee at Facebook, I was a part-time investor. And that’s how I started and so those are my first LPs, wonderful guys, Reid Hoffman, you know, a whole list of kind of like … RITHOLTZ: Who — who’s the rest of that list because already I am loving this group? PALIHAPITIYA: The list was pretty impressive. I want to say it was like Peter Thiel, Reid Hoffman, Chase Coleman. I’d have to look at the slides, I can’t … RITHOLTZ: But it’s a murderous row pretty much. PALIHAPITIYA: Yeah, Dave Goldberg, you know, Zander Lurie who is the CEO of Momentum A.I., so a bunch of really great entrepreneurs, and CEOs, and investors. Anyways, I put the money to work and, you know, it was non-obvious that that fund was good. I was learning. And most of the investments I made were way too ambitious, and I was deeply undercapitalized, right? So, you — in 2008 and ’09, in hindsight, it was really dumb to make a bunch of deep tech investments. Now, some of them have come home to roost, and that fund has now (inaudible), but we got very lucky and it did very well, but it took an enormously long period of time. So, I put the money to work and I learned. I learned, hey, portfolio construction is important. I didn’t get that right. I was way undercapitalized, like, hey, wait a minute, like I needed way more reserves to defend these companies. And I had to think about duration, meaning I can’t solve 20 of your problems in a 10-year fund. I need to solve five of your problems in a 10-year fund if I want to be in the fund business. And, you know, that obviously changed in 2016 and ’17 when I just basically consolidated with my own money. But so – then I left Facebook in 2011 and I went back to these same folks. And I said, “Guys, let’s go much bigger. I think I know what I’m doing.” And we created — my first fund was 250 or 60 million bucks. I put up 60, and then it was really like, you know, John Doerr, Peter Thiel, Reid Hoffman, Li Ka-shing, you know, just — I ran the table of Jorge Paulo Lemann like incredible people. And a handful of really great institutions, Mayo Clinic, you know, folks that I was really proud to make money for. And I said, “This is like a great intersection of entrepreneurs and, you know, investors, and philanthropists, and foundations.” And, you know, I’m going to go and try to find great businesses, and that’s how it started. RITHOLTZ: So, from there, what was the subsequent funds that came out of that because that, you know, funds that run a seven or a 10-year lifespan. And some companies, some VCs will just do Fund 2, Fund 3, Fund 4, you didn’t exactly go in that direction. PALIHAPITIYA: You know, I can tell you — so like the returns as of this last quarter because I just — I had a — I had a little advisory board meeting, you know, I put about a billion one in the ground. That is worth today just a little under $5 billion. RITHOLTZ: And this was the 2016? PALIHAPITIYA: No. So, yeah, this was … RITHOLTZ: Or 2011? PALIHAPITIYA: I — I raised about $1 billion over four funds — over five funds, sorry, in the first five years basically, so a $260 million fund, another $260 million, a $500 million, and then I had a small $100 million fund and then a $30 million opportunities fund kind of — so about $1.1 billion. And, you know, so far, we’ve returned a little — almost a little under 2X of capital, so cash-on-cash, we’ve returned about two some odd billion. The curing value is a little under $5 billion. And I think that, you know, when I look in the next — in the next few years that will turn one more time. So basically, you know, one billion will turn into $10 billion and the returns are, you know, probably — well, right now they’re in the high 20’s nets. RITHOLTZ: That’s great. PALIHAPITIYA: And it’ll be in the — probably the low 30’s. That’s when it’s all … RITHOLTZ: So, as all that comes up, are you just going to roll that over into another fund or … PALIHAPITIYA: So … RITHOLTZ: … are you looking to spread this into different spaces because I am aware you are a man of many interests. You’re not just — I — I find the world … PALIHAPITIYA: Right. RITHOLTZ: … really fascinating and curious. And — and looking at what you invest in, I can tell you approach the universe the same way. PALIHAPITIYA: Right. So, along the way, I think in 2016 what I realized was running funds doesn’t accomplish my goal. And it took me some number of years to figure that out. I loved working inside of these companies. I loved trying to make some of these businesses work. I loved taking really big moon shots on technical problems that I wanted to solve. I didn’t like the constraints of a fund. I didn’t like managing L.P. relations because by that point, you know, as you know, Barry, when you’re in the fund to business, then it’s all about quantity of LPs. And so, the LPs had grown beyond my cohort of people, right, because it’s not as if their money is infinite either. RITHOLTZ: Right. PALIHAPITIYA: Right? And so, then we have fund of funds and other organizations who are in the business of, you know, being investors in these organizations. And it became very administrative. And a lot of my time was spent fundraising and managing those relationships as opposed to investing or starting companies. And so, that was one big error of judgment that I felt I needed to fix. The other one was I was looking at myself thinking like, well, am I going to be able to defend the ownership of these best companies? And think about what happens in a fund. If you make an investment and it’s working, you have all this pressure to double down. But when there’s something smaller and more technical where there’s way more asymmetric risk, it’s much harder to convince others that you should continue to invest in that as well. RITHOLTZ: So, let’s stay with that a second because that’s — there’s some really interesting things. When I hear someone like you say double down, what I’m usually thinking of is, hey, we made a small investment in the seed round and now it’s the A or the B round, and we’re going to have to step-up. And $500,000 is now a $50 million or $2 million becomes $100 million. Is that what you mean by double down versus … PALIHAPITIYA: No, I mean, the following decision, which is very hard. So, let’s just say — and — and we use explicit examples because it’s easier. So, let’s just say we invested in the crypto business and the software-as-a-service start up on the same day. $10 million in each. The SaaS business has a much higher probability of short-term progress. I sold, you know, X amount of software, here’s my bookings, here’s my revenue. RITHOLTZ: High probability of modest success. PALIHAPITIYA: High probability of modest success. Most people are, you know, enraptured with that. RITHOLTZ: That’s what — well, that’s what the S&P 500 is for. If you want a high probability amount of success, go by the spiders. But I … PALIHAPITIYA: Sure. RITHOLTZ: … imagine people come to venture because — hey, I have all my … PALIHAPITIYA: No. RITHOLTZ: … conservative stuffs. PALIHAPITIYA: No, not true. RITHOLTZ: I’m looking for you to … PALIHAPITIYA: Not true. RITHOLTZ: … hit me the 100X. PALIHAPITIYA: It’s not true. It … RITHOLTZ: Really? PALIHAPITIYA: … it may be — listen. So there — there are two conundrums here. The conundrum number one is if you’re a limited partner. If you’re a limited partner right now sitting inside of a foundation or a pension fund and you have to return capital, and you have to get over your hurdle, you need an allocation into venture, but those allocations are minuscule. Nobody is getting, you know, huge allocations into Sequoia, right? RITHOLTZ: Because the capacity is that’s limited as it is. PALIHAPITIYA: Nobody — nobody is getting huge allocations in the benchmark. You know, these are $500 million funds, you know. And I — you know, in my example, I was 30 percent of all the capital, so there’s just not a lot of room for other. RITHOLTZ: Right. PALIHAPITIYA: Number one. And then the more insidious problem is actually the human capital inside the funds themselves. And what I mean by that is not that they’re bad people, they are wonderful people, but they are products of a very specific and very rigid hierarchy. You know, they typically went to a handful of schools. RITHOLTZ: Right. PALIHAPITIYA: They typically are educated in exactly the same way. They typically, you know, have the exact same kind of risk tolerance as a result of all those things. And so, when the rubber meets the road, this Harvard MBA or the Stanford MBA, they want to treat the venture capital organization as their version of the S&P 500. Very predictable, Steady Eddie. Let me make, you know, a good salary. Don’t rock the boat. So, what happens? Crypto stuff gets underfunded until it’s obvious. You know, hard tech and — and, you know, life sciences get underfunded until it’s obvious. SaaS gets overfunded until it’s obvious. And that’s the whipsaw that you face now. Now, there are a handful of organizations that have fought against that and have done it brilliantly. So, when you look, for example, like Founders Fund, I’ll pick an example. Incredible set of investors who are iconoclasts to the one. Atypical in every dimension. There’s not a single drop of real pedigree amongst them, except they are all incredible entrepreneurs. If you look at Coastal Ventures, same situation. Incredibly atypical in their intellectual makeup, and the way they think, and what they value. And to a one, they’re generally great entrepreneurs, so you see this recurring theme. So, you know, for me, what I’ve tried to do is recalibrate my time around that realization. I have a fixed amount of capital. If I surround myself with these good — they’re good people, it will lead me astray because I will get risk off. And the whole goal of this business, as you exactly well put it, is to be 100 percent massively risk on. And so, that’s how I live my life. I have a small allocation of capital in case all of this goes to zero, but otherwise 99 percent of my net worth and wealth is massive risk on. RITHOLTZ: That’s quite, quite fascinating. I — I keep wanting to go to some of my questions, but you keep saying things that make me have to respond. I’m still kind of struck by your LPs, meaning management. And what I mean by that is someone runs a successful fund. There’s a very limited amount of slots for money to come in. I just imagine it’s like here’s the deal. I have a slot for 100 for you. I’ll send you the annual updates, we’ll have an annual meeting, and I don’t want to hear from you the rest of the year. PALIHAPITIYA: You can’t take — it’s not … RITHOLTZ: It’s the approach. It doesn’t work that way? PALIHAPITIYA: … it’s not that — well, it’s not that easy even for the best organizations. You know, when you’re dealing with these large pools of capital, they are large bureaucracies. And in fairness to these bureaucracies, there’s — there’s really important guardrails of risk management, right, and legal and operational due diligence that they have to do because again, it’s the fireman’s pension, it’s the teachers’ pension, it’s the … RITHOLTZ: Right. PALIHAPITIYA: … you know, it’s the foundation. It’s the — they’re all doing good work, right? So, it’s not like, you know, they have a right to be cavalier, but it creates an infrastructure of folks that approach their job in a very specific way that, for me, didn’t make sense. For others, I think it does make a ton of sense because, you know, they — look, there’s a tradeoff. Today, that tradeoff, by the way, has rewarded them more than me. And what is the tradeoff? When you’re a successful investor, you’ll get to a fork in the road at a certain level of assets where you have to go on the path well-traveled or the path less traveled. The path less traveled is what I’ve taken. You’re alone … RITHOLTZ: Meaning …by yourself, more risk … PALIHAPITIYA:  you’re by yourself … all your own money, all risk gone. The path well-traveled says syndicate the risk, let the — let the returns decay, build an AUM machine, monetize the fee income, sell a percentage to dial or to whomever, and then eventually sell the G.P. to somebody and you’re done. And, you know, if you have enough capital at some point, you’re like, well, what do I need any more money? This is a safer route to take. RITHOLTZ: Right. PALIHAPITIYA: I am of this different view, which is I want very specific kinds of progress that will not happen unless I am a tip of the spear on a bunch of things that I want to change. And I’m using my money as a mechanism of showing the change that I want to see in the world with the idea that if free markets are ultimately efficient, other money will follow. And it will unlock and create change. SPACs are a perfect example. RITHOLTZ: We’re going to talk about SPACs in a little bit. I’m fascinated by the path less traveled. And I — I’m kind of reminded of an old joke a friend used to say, what’s the difference between having $1 billion or having $2 billion? And the answer is really nothing. PALIHAPITIYA: Nothing. RITHOLTZ: Right, there’s not — what is the difference? PALIHAPITIYA: Nothing. RITHOLTZ: So — so once you wrap your head around that, why build an AUM machine? Why take a G.P. and do all the things you don’t want to do just so you can sell it in the road? PALIHAPITIYA: Well, look, I mean — I think there’s something very valiant in building a company of any kind. I don’t care what it is because you end up hiring people, you end up creating your own little economy. You know, by hiring good people and paying them, you’re giving them a path. You’re giving them, you know, some amount of purpose in their lives. So, you know, any form of company building, I think, is heroic, the person that uses to build a company. I don’t care what it is. It could be a garbage business, an AUM business. You know, they’re all to me where I look at the founders of those things like you, and you’re in a class of hero for me. Everybody may not be with the same, you know, sometimes now founders, unfortunately, sometimes can get vilified for being an entrepreneur. But in general, I think they’re heroic. But again, that’s not what I was trying to do. My returns in society, I wanted to be expressed by a different kind of change and a different kind of purpose, which was a practical problem solved. You know, I want reforestation to be, you know, done differently. I want a gene editing solution to be so cheap and so fast the available we can eradicate, you know, the 32,000 inherited Mendelian diseases. You know, I want to figure out how to get, you know, sub $100 solar on everybody’s roof and to build a massive distributed energy utility in America. It turns out I’m doing all those things. Now, I can do that with my capital and that’s really great. That capital may go to zero … RITHOLTZ: But you’re saying … PALIHAPITIYA: … but it may not … RITHOLTZ: … you couldn’t do that if you had these institutional endowments and other … PALIHAPITIYA: Maybe not. RITHOLTZ: … large more conservative investors who are more concerned about IRR than moving the needle. PALIHAPITIYA: Short-term IRR because, you know, again they have a job to do. They have pension obligations to make. They have, you know, other things that they’re funding. They have the lifestyle they want to pay for. They have their own annual reviews and bonuses and things. So, you know, it’s not to debate the validity of it, it just exists, and I’m not willing to sign up for that because duration. And, by the way, you can see that certain funds have realized that that durational limitation doesn’t work in tech anymore, right, so now you’re seeing these 15-year funds, right? Some of these climate funds are really long-dated so that they can take huge long risk with very sticky money. I think that’s moving.....»»

Category: blogSource: TheBigPictureOct 12th, 2021

26 iPhone accessories that make great gifts in 2021

There are plenty of accessories out there that can help you make the most of your iPhone, and they make great gift ideas. When you buy through our links, Insider may earn an affiliate commission. Learn more. If the iPhone user in your life doesn't have AirPods yet, they make a great gift. Hollis Johnson/Business Insider There are plenty of great gift ideas for iPhone owners, from fun cases to game controllers. Our top picks cover a wide range of interests and budgets. Visit Insider Reviews for more gift ideas. We use our phones for almost everything, so it's no surprise that there are so many accessories to choose from. From high-end headphones and durable Lightning cables to a magnetic tripod and even a game controller, there are plenty of products out there that make perfect gifts for iPhone owners.At Insider Reviews, we've tested tons of devices and researched many others. Here's a look at some of the best gift ideas for the iPhone owner in your life, from affordable cases to the Apple Watch. A tripod with MagSafe for shooting steady video on a new iPhone Joby Joby GripTight GorillaPod for MagSafe, available at Joby, $69.95Apple's new iPhone 13 lineup boasts some cool camera features. With a new Cinematic mode and the ability to shift focus in videos, new iPhone owners might want to try shooting their own homemade films. A tripod with MagSafe capabilities is an ideal gift to help amateur filmmakers capture steady shots on their iPhone.Joby's GripTight GorillaPod for MagSafe magnetically attaches to iPhone 12 and 13 models. The unique tripod has two clamps for an even more secure smartphone grip. Gorillapod stands are flexible and help users film from unique angles. A cleaning kit for dirty, finger-smudged screens Amazon Whoosh! Screen Cleaner Kit, available at Amazon, $14.99Fingerprints can easily get all over an iPhone. You can help your gift recipient keep their phone smudge-free with a screen cleaning kit. This bundle from Whoosh! includes a 3.4 ounce bottle, a 0.8 ounce bottle that can fit in pockets, and three microfiber cloths.The cleaner is even alcohol and ammonia free, so you can rest easy that it's safe to use on a phone screen without stripping the factory coating. Apple's MagSafe leather wallet to keep your ID and other cards close Apple Apple iPhone Leather Wallet with MagSafe, available at Apple, $59A stylish leather wallet from Apple will help iPhone 12 and 13 owners get the most out of their device's MagSafe capabilities. The wallet stores three cards and attaches directly to the back of the phone or onto any case compatible with MagSafe.You can find the perfect match for your giftee's iPhone and personality with color options like golden brown, dark cherry, and sequoia green. A PopSockets PopGrip to make handling your phone easier PopSocket PopSockets PopGrip, available at PopSockets, from $8It seems like iPhones get bigger every year, so why not buy a nice sturdy PopSockets PopGrip and save your loved one the pinky strain? These handy grips stick on the back of most iPhone cases with ease and pop out twice to provide excellent grip. Your giftee can even use them to prop up their phone so it stands alone as they watch videos.PopSockets PopGrips come in more patterns, colors, and styles than I can count, so you'll be sure to find one that matches the personality of your loved one. I personally love my PopSockets PopGrip so much that I can't imagine life without it. Apple's tracking device so that you never lose your wallet or keys Lisa Eadicicco/Insider Apple AirTags, available at Apple, $29If the person you're shopping for can't seem to keep track of their belongings, try gifting them an AirTag. The accessory from Apple is a tiny Bluetooth tracker that you can use to keep tabs on belongings like keys, wallets, and bags. But what really distinguishes AirTags from Tile is the fact that it can use nearby iPhones to find your lost items when they're out of Bluetooth range.Unfortunately, you'll need to purchase an accessory to add AirTags to your keychain. But AirTags' ability to leverage other iPhones as a finding network still makes them the most useful Bluetooth trackers for Apple fans. A pair of glasses to make your iPhone's screen easier on the eyes Felix Gray Felix Gray Glasses, available at Felix Gray, $95Whether you're reading work emails, binging Netflix, or playing a game, a pair of blue light filtering glasses can make your phone's screen much easier on the eyes. Felix Gray made a name for itself early on in this space, and it's one of our top choices for blue light filtering specs thanks to the company's relatively affordable prices and stylish designs. Frames start at $95, and they're available in prescription and non-prescription versions. A long, weighted iPhone cable Amazon Native Union Night Cable, available at Amazon, $39.99There are two things wrong with the Lightning cable Apple includes in the box with each new iPhone: The cable is too short and it's too weak. Native Union's Night Cable solves both those problems with a 10-foot-long durable cable that can easily reach to charge your phone.It also has a handy knotted weight on it that you can move up and down the cable to ensure that your iPhone stays on the table while it charges without falling or moving. It's our favorite long iPhone cable. A gorgeous leather case Nomad Nomad iPhone cases, available at Nomad, from $24.95There's nothing better than a leather iPhone case and Nomad makes our favorite ones. Not only are they durable and protective, but the cases are also made with soft Horween leather that ages beautifully. Nomad cases are also easy to clean and maintain, so you don't have to worry if they pick up a little dirt, dust, or debris. We can't recommend these cases enough. A fun case Case-Mate Case-Mate iPhone cases, available at Amazon, from $6.95Case-Mate makes lots of fun iPhone cases, so there's sure to be one that your iPhone fan will like. From sparkly cases and iridescent ones to retro Kodak and camo cases, Case-Mate has a ton of designs. The cases are protective, too, but the prices will vary depending on the case and phone model.  A Bluetooth speaker for listening to music anywhere Amazon Bose SoundLink Revolve+II, available at Amazon, $329With its convenient handle for easy carrying, water resistance, and extra-long battery life, the Bose SoundLink Revolve+ II is a speaker you can truly take anywhere. Those qualities alone makes it a great choice for anyone who loves listening to music on-the-go. But Bose's compact music player also impresses with excellent sound quality and useful features like the ability to take calls and trigger your phone's virtual assistant, making it one of our favorite portable Bluetooth speakers. A wireless charger that can power your iPhone, Apple Watch, and AirPods at once Apple Belkin Boost Charge 3-in-1, available at Apple, $139.95Charging multiple devices can be an annoyance, but that's where devices like Belkin's 3-in-1 dock come in handy. Not only does it wirelessly charge your iPhone, but there's also an Apple Watch dock and charging pad for your AirPods. We've crowned it our favorite charging device for powering up multiple Apple devices, thanks to its sleek design, 4.5-foot power cord, and  90-degree Apple Watch stand placement, which makes it ideal for using the watch in Nightstand Mode. Just be sure that the person you're shopping for has the wireless charging case for their AirPods. Stylish on-ear wireless headphones B&O Bang & Olufsen H4 headphones, available at Amazon, $250.58Bang & Olufsen makes gorgeous wireless headphones that look as great as they sound. They are expensive, but the sound quality, classy design, and stable Bluetooth connectivity make them a great choice — especially for people who have an iPhone 7 or newer without the headphone jack. An affordable smart watch Lisa Eadicicco/Business Insider Apple Watch SE, available at Best Buy, starting at $279Just about every iPhone owner will love to have an Apple Watch, so this is really a fail-safe gift. Although it's not as advanced as the brand-new Apple Watch Series 7, the Apple Watch SE has most of the features people want for less. It can track fitness metrics, keep tabs on heart rate and health, go swimming, buzz with notifications, and so much more. It's a true companion to the iPhone for an affordable price. A dedicated iPhone gaming controller Amazon SteelSeries Nimbus+ for iOS and Apple TV, available on Amazon, $59.99For the mobile gamer in your life, chances are they'd appreciate some dedicated controls for their favorite games. As excellent as Apple's touchscreens may be, they just don't compare to buttons and joysticks for games. A controller like the SteelSeries Nimbus+, which was designed specifically for Apple devices, should make gaming on the iPhone feel much more console-like. An effective waterproof case Lifeproof Lifeproof Fré Case, available at Amazon, $49.99-$89.99If your loved one lives a life aquatic — or is just a lovable klutz — they need the Lifeproof Fré iPhone case. This case is fully submersible in water that's up to 6.6 feet (2 meters) deep for one hour. It's also fully sealed with its built-in screen protector and port covers, so it's safe from the elements.These waterproof cases are currently available for the iPhone 6 through the iPhone 12. On the Lifeproof product pages, you can sign up to be notified when iPhone 13 sizes become available. A pair of touchscreen gloves so that you can keep using your iPhone in the cold The North Face North Face Etip Gloves, available at North Face in men's and women's sizes, $45Whether you're in the car or out for a walk this winter, these gloves from North Face are a great choice for anyone that wants to keep their phone handy on-the-go. We love these gloves because they have a natural fit and allow you to use your phone with any finger, not just your index finger or thumb.  A fast charger and USB-C-to-Lightning cable Belkin Belkin USB-C-to-Lightning Cable, available at Amazon, $13.08Belkin USB-C Wall Adapter, available at Amazon, $16.99With Belkin's USB-C-to-Lightning Cable and USB-C Wall Adapter, anyone who has a newer iPhone can take advantage of faster charging speeds. The cable is also durable and well made, plus, it's MFi certified by Apple to be safe. An easy, durable screen protector InvisibleShield InvisibleShield Screen Protectors, available at Zagg, from $39.99It's so easy to scratch or crack a phone screen by accident, so we recommend picking up a screen protector as a small, practical gift. Zagg is famous for its screen protectors because they are durable, easy to apply, and some offer special features like blue light blocking and privacy shields. Price and availability may vary depending on which iPhone model you're shopping for. Screen protectors for newer iPhones are typically more expensive.  The most ubiquitous wireless earbuds Hollis Johnson/Business Insider Apple Airpods, available at Amazon, $129.00Although there are true wireless earbuds that sound better, Apple's Airpods are among the best you can buy because they are just so simple and easy to use with an iPhone. They pair effortlessly, never lose connection, and they come in a wirelessly charging case that charges them. Apple's ultimate AirPods Crystal Cox/Business Insider Apple AirPods Pro, available at Amazon, $179.00For those that either have more expensive taste or want the absolute best and latest Apple tech, whoever you're gifting will definitely appreciate the AirPods Pro — especially for its water resistance and active noise cancelling, neither of which the traditional AirPods have. A portable battery pack Simon Hill/Business Insider Elecjet PowerPie Battery pack, available at Amazon, $49.99Although iPhone battery life has improved markedly over the years, it's still a good idea to have a portable battery pack on hand for charging emergencies. Elecjet makes our favorite battery pack with its 20,000mAh of capacity that can charge up iPhones, tablets, and even laptops. A camera lens for capturing unique shots Moment Moment Fisheye 14mm Lens, available at Moment, $129.99Our iPhones already have excellent cameras, but nothing beats having a dedicated lens. Moment's Fisheye 14mm Lens lets you shoot images from a wider 170-degree perspective than you'd normally be able to get, even on the iPhone 12 series, which has an ultra-wide lens with a 120-degree field of view. We recommend the Fisheye lens because it offers a perspective that you can't already get with the iPhone. However, Moment's lenses are expensive and they require a compatible case from the company to work, so we'd only suggest this if you're buying for someone who truly loves photography, especially street photography. A clever way to expand storage SanDisk SanDisk iXpand Flash Drive 64GB for iPhone, available at Amazon, $20.98There is nothing worse than running out of storage on your iPhone or struggling to transfer photos and files from your phone to your laptop. SanDisk's iXpand Flash Drive for iPhone solves both problems with an elegant solution that works effortlessly.The drive has a regular USB-A end that will fit in most laptops and a lightning end that fits all iPhones so you can offload files and transfer them back and forth. It's great for extra photo storage. A portable photo printer Lifeprint Lifeprint 3 x 4.5 Portable Photo and Video Printer, available at Amazon, $129.99Although sharing digital photos is fun, sharing physical photos is wonderful. Lifeprint's portable photo printer can reproduce high-quality photos on special photo paper in a 3-by-4.5-inch size that's perfect for sharing.You can do lots of fun things with the app, too, and make your Live iPhone photos come to life as animated GIFs as you hold your phone above the printed photo. Lifeprint's printers can communicate with each other, too, so if both you and your loved one have a Lifeprint printer, you can send photos to print at each other's printers. A straight-up fitness tracker Fitbit Fitbit Charge 4, available at Best Buy, $129.99When it comes to fitness trackers, Fitbit is the most well-known brand and the Charge 4 is an excellent gift for iPhone owners who want to get and stay fit. An effective and reliable car mount iOttie iOttie Easy One Touch 5 Air Vent Car Mount Phone Holder, available at Amazon, $24.95Driving without a car mount for your phone is a recipe for disaster, but luckily, you can get your loved one a phone mount like this one from iOttie for a great price. It adjusts to fit any iPhone and it'll fit in any car's air vent. It's easy to angle any which way so you can see the phone properly when you drive. It's a godsend for when you need GPS for driving directions. Read the original article on Business Insider.....»»

Category: topSource: businessinsiderOct 7th, 2021

37 thoughtful gifts that your aunt will actually use

She didn't tell when you spilled nail polish on the carpet in 7th grade, so it's time to treat your aunt to a special gift. Here are 37 ideas she'll love. When you buy through our links, Insider may earn an affiliate commission. Learn more. Otherland If you're looking for the perfect gift for your aunt, start with the 37 curated options below. You'll find everything from cooking classes with renown chefs to fresh coffee from across the globe. You can also find sentimental gift ideas here, and experiential gifts that won't break the bank here. Looking for more gift ideas? Check out all Insider Reviews gift guides here. Sign up for Insider Reviews' weekly newsletter for more buying advice and great deals. Whether she's your best friend, your parent's best friend, your mom figure, or the soon-to-be confidante of your own child, aunts are one of the strongest members of the "village" it takes to raise a kid. And, whenever the situation arises, she probably deserves a pretty great gift - be it year-round herbs she doesn't have to water, a cooking class from a renown chef, or access to a monthly book club. Below, you'll find 37 gifts she'll love to receive, and which you can feel good about giving:This list includes a Sponsored Product that has been suggested by 1-800-Flowers. It also meets our editorial criteria in terms of quality and value.* A chic tiled monogram coffee mug Anthropologie Tiled Margot Monogram Mug, available at Anthropologie, $14Every sip from this stylish mug will let her feel like she's been transported to a chic Parisian cafe. Inspired by French bistro tilework, this monogram mug is beautifully exquisite as it is personal for her. A soft silk sleep mask Nordstrom Pure Silk Sleep Mask, available at Nordstrom, $50Made with the finest silk, this soft sleep mask leaves her skin fresh and lets her slip into a blissful slumber. A waterproof ebook reader that's great for traveling Amazon Kindle Paperwhite 8GB, available at Amazon, $139.99For the aunt who's a bookworm, the Kindle paperwhite brings her an easier reading experience especially when traveling. The ultra-lightweight Kindle Paperwhite offers a waterproof feature, up to ten-week battery life, and a vast selection of books to leisurely enjoy whenever. A stylish throw blanket to help stay warm Brooklinen Striped Lambswool Throw Blanket, available at Brooklinen, $179.10This cozy striped throw blanket is a quintessential lounge accessory that won't clash with any decor thanks to its neutral hues. She'll appreciate the Brooklinen blanket's warmth and style every time she snuggles with it this winter season. A gift card for her favorite food or meal Goldbelly Goldbelly Gift Card, available at Goldbelly, from $25If she's craving hometown food or something new, Goldbelly has everything and more to feed her appetite. From deep-dish pizza to bagels, Goldbelly offers hundreds of options from restaurants, chefs, and food subscription boxes that ship nationwide. Monthly deliveries of fresh coffee from all over the world Atlas Coffee Club Subscription, available at Atlas Coffee Club, from three months at $46Atlas Coffee Club lets its members try freshly roasted, single origin coffee from all corners of the globe — from Peru to Papua New Guinea — for about $9 per bag. We're big fans of the service, and it's a great way to show your aunt that she can enjoy a sophisticated cup of coffee any time she wants for less than what she'd pay at the grocery store. A cheery bouquet 1-800-Flowers Fields of Europe Christmas Bouquet, available at 1-800-Flowers, from $42.99If you're looking for a last-minute gift that's still thoughtful, 1-800-Flowers is an excellent option. The flower delivery service not only creates gorgeous floral and plant arrangements, but a quick delivery turnaround can allow for a pre-Christmas arrival.*Sponsored by 1-800-Flowers A self-watering indoor garden Amazon Click and Grow, available at Amazon, $99.95The Click and Grow is a smart indoor garden that grows fresh herbs for your aunt year-round, with minimal intervention from her. This way, she'll always have access to fresh ingredients — be they basil, thyme, sage, parsley, cilantro, cherry tomatoes, rosemary, peppers, flowers, or even strawberries. A coffee table book of record covers Amazon/Business Insider "1000 Record Covers", available at Amazon, $18Record covers are a unique time capsule of our lives and the times themselves, and this coffee table book curates 1,000 that address such topics as love, life, death, fashion, and rebellion. A lottery card that wins money for charities LottoLove/Business Insider LottoLove Card, available at LottoLove, from $5When you scratch off a card from LottoLove, you won't win any money. Instead, you "win" a charitable prize that's donated to someone in need. There are four possible prizes, which help provide clean water, solar light, nutritious meals, or literacy tools. Each card costs just $4.95, but gives back in invaluable ways. To date, LottoLove and its charitable partners have impacted lives in over 60 countries. Beautiful candles Otherland Threesome Set, available at Otherland, $89Otherland makes some of the most highly giftable candles on the market, and you can build a personalized set of three here for $89. Candles are coconut and soy wax blends and come in beautiful glass vessels. Each candle burns for 55 hours — ample time for your aunt to enjoy the new scents in her home.  The best-selling memoir from Michelle Obama Amazon/Business Insider "Becoming" by Michelle Obama, available at Amazon, $11.89Michelle Obama's witty, candid memoir "Becoming" held the title of Amazon's number one best-selling book of 2019 solidly for most of the year, and it's also a New York Times best seller. If your aunt has any interest in learning more about the former First Lady, or you see some similarities between the two, she may love owning her own hard copy — and getting to share her favorite parts with you. Vibrant reusable straws Food52 Food52 Five Two Silicone Straws, $25Food52 makes deceptively chic silicone straws out of platinum-grade silicone that's BPA- and BPS-free. It won't pick up odors or tases, and they come with their own squeegees for speedy cleaning, plus a mini carrying case. A cult-favorite, skid-less yoga towel Manduka Yogitoes Yoga Mat towel, available at Amazon, REI, and Manduka, from $65Yogitoes is the go-to yoga mat towel for good reason. It's ultra absorbent, lightweight, and quick-drying. The patented Skidless Technology is basically just silicone nubs that grip the mat to stay in place — and this translates to a better practice. If she likes yoga, this is a particularly thoughtful and useful gift. Find a full review here. A multi-functional humidifier Amazon/Business Insider Urpower Aromatherapy Essential Oil Diffuser and Humidifier, available at Amazon, from $33.99Urpower, the company behind the tiny humidifier that nearly broke the internet, also makes a larger version. It's racked up over 9,500 five-star reviews and functions as an aromatherapy diffuser, humidifier, and optional low-key night light. An online class taught by a legend MasterClass Gift card, available at MasterClass, from $180MasterClass offers video lessons on a wide range of subjects led by experts in their respective fields. You can gift them one class, which they'll get lifetime access to, or give them a year of unlimited access to every course on the site. Some standout courses include cooking basics with Gordon Ramsey, comedy with Judd Apatow, space exploration with Chris Hadfield, and tennis with Serena Williams.  A stylish, well-designed weekender Lo & Sons Catalina Deluxe Tote, available at Lo & Sons, $123Lo & Son's Catalina Deluxe Tote has taken the internet by storm as one of its best — and most affordable — weekender bags. It's made from a sturdy, lightweight canvas and comes in seven different colors. Owners love the thoughtful design, which includes a separate compartment for shoes as well as a suitcase handle sleeve and key leash. A cult-favorite cleansing balm Target/Business Insider Aztec Secret Indian Healing Clay Mask, available at Target, $7.99Despite the name, this not-so-secret affordable beauty gem has been taking the internet, and the Insider Reviews team, by storm. We love it because of its visible healing and smoothing techniques, and we feel confident that your aunt would, too.  A monthly delivery of sheet masks Facetory/Instagram/Business Insider FaceTory: FOUR-ever FRESH, available at Amazon, from $11.90 per monthTreat her to a four-pack or seven-pack of facial masks every month. The types of masks range from basic cotton sheets to hydrogels — so she can explore a variety without ever getting bored. A framed memory Framebridge Framed Photo, available at Framebridge, from $39Gift Card, available at Framebridge, from $25Framebridge makes custom framing for not-custom-framing prices. You can print or paint something on your own and have it framed, or have them print and frame it, and you can take advantage of the team of designers for help deciding which frame to get. A lightweight, quick-drying waffle robe Snowe Honeycomb Bathrobe, available at Snowe, $100Snowe's big terry robe is my all-time favorite, but the company's lightweight, fast-drying Honeycomb version is equally wonderful and may be best for hotter weather. The soft construction is slightly oversized, and colorways are chic and easy. It's also Oeko-tex certified. A gentle glycolic Acid nighttime cream Maelove The Night Renewer, available at Maelove, $29.95Healthy and hydrated skin is essential at any age for a refreshed natural glow. Maelove's high-performance nighttime moisturizer cream improves skin texture with adequate hydration, clears dark spots, reduces wrinkles, and more. A monthly delivery of a new hardcover A Woman Is No Man Membership, available at Book of the Month, from three months for $49.99If she loves to read and isn't ready to go 100% digital, we can't recommend a Book of the Month membership highly enough. Each month's book selections are chosen by recurring and celebrity guest judges who curate and select the best new hardcover titles for members from a broad range of genres. A plug-in that adds voice-control to outlets Amazon Wemo Mini Smart Plug, available at P.C. Richard and So, $19.99These plug-ins will turn a "dumb" outlet into a smart outlet. Plug in the WeMo Mini Smart Plug, download the free app, and that's it — you control your lights and appliances from your phone anywhere and your voice through Alexa, Google Assistant, and Apple Home Kit. It only needs WiFi — no expensive hub. A stylish toiletry bag Dagne Dover Small Hunter Toiletry Bag, available at Dagne Dover, $40This toiletry bag is made out of a unique neoprene material and comes in a variety of pretty colors, from a bright poppy red to more muted tones like the mossy green seen above. Dagne Dover is also best-known for their thoughtful, next-level organization. Beauitufl pinch bowls Food52 Gold-Dipped Pinch Bowls, Set of 2, available at Food52, from $58These beautiful stoneware bowls are the ideal size for adding just a "pinch" of something to a recipe or holding snacks, jewelry, or even small candles around the house. Tickets to a Broadway experience The Ferryman/Business Insider TodayTix virtual experiences, available at TodayTixIf she's been missing theater while Broadway's shut down, TodayTix's virtual experiences are the next best thing. She'll appreciate the ability to remain in touch with one of her favorite interests while also remaining safe. A luscious house plant delivered to her door The Sill Gift the Snake Plant Laurentii, available at The Sill, $48Snake plants are some of the easiest plants to take care of. They prefer medium, indirect light and only need to be watered about every two weeks, but will instantly brighten her space. You may also opt to send some fresh flowers. Healthy foods that take 30 seconds to make Daily Harvest Gift Card, available at Daily Harvest, from $50Daily Harvest is a subscription service that sends healthy, pre-portioned superfood-packed smoothies, overnight oats, soups, and more to your home either weekly or monthly. The food combinations are developed by a nutritionist and chef, and the company is backed by big names like Gwyneth Paltrow and Serena Williams. We tried the service's smoothies and really enjoyed them. The best pair of socks she's ever tried Bombas/Facebook Women's Performance Tennis Ankle Sock 3-Pack, available at Bombas. $49.50They may just seem like a basic, everyday accessory, but socks are among the most underrated gifts you can give. Bombas spent two years perfecting their gym socks, and we think they got it right. With thoughtful innovations like a blister tab and cushioned foot beds, her feet will notice the difference. Bombas also donates a pair to a homeless shelter for every pair purchased. Amazon/Business Insider Kasa Smart Light Bulb, available at Amazon, $11.98A smart light bulb is a perfect gift to get someone who's been getting more curious about starting their own smart home or just loves the perfect ambiance. TP-Link's bulb connects to the internet and can be controlled through a smartphone app, or a smart speaker like the Amazon Echo or Google Home. A hair wrap that cuts drying time by 50% Amazon Lisse Luxe Chevron Weave Hair Turban, available at Nordstrom, $30Made with ultra-fine thread, this towel won't grab at hair cuticles like regular bath towels. It can also reduce drying time by up to 50%, which sounds hyperbolic until you've tried it yourself. This is the one I own and it works far, far better than I had dared to hope. A personalized photo calendar Artifact Uprising Personalized Photo Calendar, available at Artifact Uprising, from $22Artifact Uprising has a personalized photo calendar that adds a sweet touch to her desk either in the form of a brass easel ($49) or wood clipboard. The calendar is updated on a rolling 12-month basis, so you don't have to wait until January to create one. A cute set of mugs Uncommon Goods Personalized Family Mugs, available at Uncommon Goods, from $30Turn your aunt and her family and/or her nieces and nephews into cartoon characters on a cute set of mugs they'll keep for years to come. One side features the artists' depiction of them (personalized through your choices of skin tone, hair, and clothing color) and the mug owner's first name, while the other displays your family name and year established (optional).  A cleaner, more efficient multivitamin Ritual Essential for Women Multivitamin, available at Ritual, $30 a monthRitual is most known for its Essential for Women multivitamin, which fills in the gaps of women's diets and was inspired by founder Katerina Schneider's own experience of shopping for vitamins while she was pregnant. The startup makes taking vitamins a more intentional and enjoyable ritual. A ClassPass gift card so she can access tons of different boutique fitness classes ClassPass/Facebook Gift Card, choose your amount, available at ClassPassIf she's looking for an activity to commit to, ClassPass helps users try boutique fitness classes at studios in her area when it's safe to do, and it has a great selection of virtual classes in the meantime.  A cooking class with a renown chef Cozymeal/Instagram/Business Insider Buy a Cozymeal Gift Card, from $50Cozymeal lets your aunt sign up for high-end cooking classes (whether virtual or in-person once it's safe) to learn how to make everything from Italian pastas to vegan soul food. She'll select her preferred experience, pick a date, and show up to learn from one of the nation's top chefs — including a few who have worked in the world's best Michelin-starred restaurants. Classes can be held at the chef's location of choice or the gift recipient's home. You can read our full review of Cozymeal here. Read the original article on Business Insider.....»»

Category: topSource: businessinsiderOct 5th, 2021

26 of the best beach houses on Airbnb in the US where the sand is just steps away

These are the best Airbnb beach house rentals in the US, from an oceanfront Malibu home in California to a condo on the water with a pool in Florida. When you buy through our links, Insider may earn an affiliate commission. Learn more. Airbnb Beach vacations are always top of mind for a relaxing, warm-weather getaway. Many Airbnbs are found along the best beaches in the US, with direct beachfront or private access. From Malibu to Cape Cod, these are the best beach homes on Airbnb, from $100 to $650 per night. Table of Contents: Masthead StickyAirbnbs with beachfront access continue to rank among the most searched for filters on the vacation rental platform.After all, who doesn't want to wake up to the sound of waves crashing right outside their back porch, or take a moonlit stroll along the sand after the sun goes down? Though, if you'd prefer to cool off in an Airbnb with a private pool instead, we have plenty of options for that, too. And if hotels are more your thing, here are the best beach hotels in the US.If a beach vacation is on your mind, from sea to shining blue sea there's no shortage of beautiful Airbnb beach houses across the US.Browse all Airbnb beach houses below, or jump to a specific area here:The best Airbnb beach houses in the NortheastThe best Airbnb beach houses in the SouthThe best Airbnb beach houses in the WestFAQ: Airbnb beach housesHow we selected the best beach houses on AirbnbFind more great beach house rentalsThese are the best Airbnb beach houses, sorted by region and price from low to high. BI Charming beachfront cottage on the Jersey Shore This cottage's private back deck leads straight to the beach. Airbnb Book this New Jersey beach home on AirbnbTypical starting price: $270Town: Cape MaySleeps: 2 guests/1 bedroomRating: 4.93Set along one of the Jersey Shore's most charming seaside towns, Cape May, this cozy bayfront cottage with one bedroom is best suited for couples and solo travelers, though it is also pet-friendly.It's important to note, this is a two-family home and while this space is completely private and uses a separate entrance, the other side of the house is occupied, which might not work for some guests. You are also required to bring your own linens to fit the Queen-sized bed.The location, however, is unparalleled and you'll love spending time on the private back deck, which includes a hammock and leads directly out to the beach. The front porch with chairs and an umbrella adds additional space for enjoying the sea breeze.Inside, the decor is simple but includes a red leather couch, an all-white kitchen with a dining table for two, and ocean photos in the bedroom.  Beach suite in Massachusetts This lovely beachfront suite includes beach passes and options for in-house massages and whale watching excursions. Airbnb Book this Massachusetts beach home on AirbnbTypical starting price: $299Town: GloucesterSleeps: 2 guests/1 bedroomRating: 4.98The charming seaside town of Gloucester, pronounced Glah-Sta, in coastal New England comes alive in the summertime. From long walks on a private beach to romantic dinners on the deck, this one-bedroom beachside retreat will make a great getaway for couples. Not only does the property come with a beachfront location, but beach passes are included, which would otherwise run between $25 to $30 per day. You may also book add-ons like in-house massages and whale watching expeditions directly with the host.While this is a separate guest suite with its own private entrance, the entire cottage consists of three units that are each rented separately. Though, you can combine listings to book the entire property.  Home by the sea in Maine Take in over 175 feet of mesmerizing oceanfront views from the roof deck. Airbnb Book this Maine beach house on AirbnbTypical starting price: $350Town: YorkSleeps: 4 guests/2 bedroomsRating: 4.94Just one hour north of Boston and one hour south of Portland, Maine, the Little Sea Star Castle is tucked away along Nubble Point in York Beach, Maine. One of 12 oceanside cottages within the LightHouse Village Colony, the house is set on nearly two acres with over 175 feet of oceanfront splendor with sunny, southern exposure and rugged rocky coastlines.The cottage offers plenty of space to lounge. A roof deck has panoramic views over the ocean, and the lawn has Adirondack chairs and a picnic table for outdoor dining. The kitchen has everything needed to make yourself at home, and beachy accents like starfish pillows and mini sailboats on the dressers keep the home on theme.The location is stellar, among scenic walking trails along the water. Bayfront oasis in Maryland Bayfront views are a captivating sight, and available throughout the home. Airbnb Book this Ocean City beach house on AirbnbTypical starting price: $395Town: Ocean CitySleeps: 5 guests/2 bedroomsRating: 4.92Offering uninterrupted bayfront views, this cozy townhome in Ocean City, Maryland is the ideal locale for your beach vacation. Sip morning coffee on the private balcony, enjoy steamed crabs on the large bayfront deck, or kick back with a cocktail and watch the sunset from the living room. The layout is an open-living concept with a master bedroom upstairs with a private balcony and a King-size bed. The second bedroom has a Queen bed and there's also a beige striped sectional couch that converts to a bed in the living room. Wicker furniture and deep blue quilts give this home a subtle beach vibe.Located on a corner lot of the bay, the owner is explicit that this is not meant for partiers or large group gatherings. If you're looking for a chill and relaxing beach getaway, this is the place for you. Beachfront home with bay views in Delaware Each room in this coastal home features scenic water views. Airbnb Book this Delaware beach home on AirbnbTypical starting price: $425Town: MiltonSleeps: 6 guests/4 bedroomsRating: 5.0Featuring both beachfront and bay views, this spacious four-bedroom, three-bathroom home in the quiet community of Broadkill Beach in Milton, Delaware offers unobstructed water views from almost every room. The home features a coastal design with plenty of natural light and soft tones. The well-equipped kitchen has unique tiling, a large island, and turquoise bar stools for grabbing a quick bite or enjoying a cup of coffee.One room includes bunk beds decked out in comforters with a cute whale pattern for kids. The location is peacefully quiet and primed to enjoy beautiful sunrises over the bay. Large oceanfront house with great views in Maine Luxury finishes couple with panoramic ocean views at this delightful property. Airbnb Book this Maine beach house on AirbnbTypical starting price: $613Town: SacoSleeps: 8 guests/2 bedroomsRating: 4.71If luxury finishes and panoramic views of the ocean sounds like your kind of vibe, then consider this oceanfront haunt in Saco, Maine. Enjoy coffee or wine from the upstairs balcony before taking a walk along Ferry Beach or Camp Ellis Pier.Ideal for bigger groups, the listing has two bedrooms and common spaces that sleep up to eight people. Though, the standout draw is no doubt the beachfront location and gorgeous water views, along with the surrounding quiet community. The home offers the chance to catch particularly stunning sunrises and sunsets.Other perks include a Smart TV with Netflix, beach chairs, and free parking included in the stay, as well as a digital guidebook handy for helping guests explore the area. Chic beachfront cottage in New York's North Fork of Long Island A minimalist interior style creates a tranquil ambiance. Airbnb Book this North Fork beach home on AirbnbTypical starting price: $650Town: RiverheadSleeps: 5 guests/2 bedroomsRating: 4.96Set on a secluded stretch of Long Island's illustrious North Fork, this two-bedroom beachfront cottage is a great place to hang by the beach or go wine tasting at one of the area's many charming vineyards.Wander along the private beach path or open up the floor-to-ceiling glass sliders that lead to a picturesque deck to dine at the picnic-style outdoor table, or relax on the plush lounger. An Airbnb Plus listing, the cottage's chic palette features crisp, minimalist whites and neutrals, creating a sense of serene seaside solitude for a quiet getaway. After a walk on the sand, rinse off in the outdoor shower while savoring water views. BI Cozy home on the North Carolina shore The nautical-themed living room has a picturesque balcony overlooking the ocean. Airbnb Book this North Carolina beach home on AirbnbTypical starting price: $100Town: North Topsail BeachSleeps: 6 guests/1 bedroomsRating: 4.91A cute condo directly on North Topsail Beach in North Carolina, this is a great option for couples or small families looking for a low-key beach getaway. The bedroom has a Queen bed and there are also Twin bunk beds built directly into the hallway.Completely renovated in 2020, the apartment has a nautical-beach theme with soft blue and yellow hues, and big living room windows frame beach views. You can also head out to the balcony for a closer look. Bright colors and floral decor give this home a warm, welcoming vibe, and a seashell bed quilt and striped bar stools at the eating nook add additional beach flair. Oceanfront condo with a pool in Florida Beachy accents like a mermaid statue and marine-inspired colors set a scene that creates a real sense of place. Airbnb Book this Florida beach home with a pool on AirbnbTypical starting price: $132Town: Cape CanaveralSleeps: 4 guests/1 bedroomRating: 4.95Serenity awaits at this casual oceanfront condo in Florida's Cape Canaveral. Set on a beautiful private beach, this Airbnb Plus stands out for its whimsical decor and thoughtful amenities, which include blues of every hue from the turquoise velvet armchair to the robin's egg backsplash in the kitchen. A mirror made out of oars, a mermaid statue, and an octopus painting over the couch are all fun touches for a beach home.This is also a great place to spend your time kayaking, paddle boarding, or enjoying some much-needed downtime just lounging on the beach or pool, which are both just a few steps away. Within minutes of downtown Port Canaveral and the iconic Cocoa Beach Pier, there's plenty to do right nearby. Ocean and bay view beach house in Texas The Bolivar Flats, Anahuac national wildlife refuge, and the Smith Oak sanctuary are all nearby and great for birdwatching. Airbnb Book this Texas beach home on AirbnbTypical starting price: $130Town: Bolivar PeninsulaSleeps: 6 guests/2 bedroomsRating: 4.97Located on the bayside of the Bolivar Peninsula on Texas' Gulf Coast, this home offers one bedroom and a lofted room, plus plenty of views of both the Gulf of Mexico and East Bay. It's also just a few miles away from popular bird-watching areas including Bolivar Flats, Anahuac national wildlife refuge, and the Smith Oak sanctuary.Bright and airy, this house is perched on stilts, and underneath, you'll have a grill and a private sitting area. However, the wraparound porch is likely where you'll spend the bulk of your time, soaking in the view from the wooden Adirondack chairs.Inside isn't bad either, with soaring pitched ceilings, a big blue sectional sofa, and marble countertops and bar stools in the kitchen. Waterfront beach bungalow in North Carolina This homey bungalow has its own private beach. Airbnb Book this North Carolina beach home on AirbnbTypical starting price: $145Town: JarvisburgSleeps: 4 guests/1 bedroomRating: 4.94Relax on your own private beach or hop in a kayak and explore miles of pristine, undeveloped beaches and cypress tree-filled coves from this bungalow in Jarvisburg, North Carolina set at the confluence of the North River and the Albemarle Sound.The home is pet-friendly, and the bedroom offers a Queen sized bed as well as a futon for extra guests if you don't mind the squeeze.While not exactly modern, the bungalow has a homey vibe with string lights along the ceiling, a bright desk and bookcase, and purple cushions on the futon. The location is tranquil and fun amenities include a charcoal grill and outdoor fire pit. The house is only 15-minutes away from unspoiled shorelines and the beaches of the Outer Banks. Home overlooking the sound in North Carolina The spacious home's dock makes it easy to get out on the water. Airbnb Book this North Carolina beach home on AirbnbTypical starting price: $157Town: HertfordSleeps: 10 guests/4 bedroomsRating: 4.69Step into the backyard of this spacious home on the Albemarle Sound and you'll find nothing but peace and tranquility. Located in a quiet neighborhood in Hertford, North Carolina, the house is nice for bigger families or groups of friends.Start and end your day on the dock, which comes with a bench to sit and watch the sunrise. Apart from the views directly overlooking the sound, highlights include the coffee bar in the kitchen, a gas log fireplace in the living room, and a fully covered and screened-in porch for enjoying home-cooked barbecue from the grill.The house also comes with a washer/dryer and high-speed Wi-Fi. Chesapeake Bay beach cabin in Virginia The decor is simple with a subtle ocean theme. Airbnb Book this Virginia beach home on AirbnbTypical starting price: $199Town: NorfolkSleeps: 6 guests/3 bedroomsRating: 4.95A brand new beach cabin on the Chesapeake Bay, this spacious home is steps from the beach.During the warm months, watch the sailing regattas from the balcony on Wednesday and Sunday evenings, or walk to nearby Ocean View Beach Park to listen to live music.The decor is simple but useful, with wicker furniture accents, ocean-themed artwork, wood floors, and a big kitchen. A plaid couch and floral armchair are comfy spots to relax, though they may feel a bit dated. A patio out back adds additional hangout space. A rustic cottage in Florida This cottage has a large outdoor deck with a fire pit and access to a secluded beach. Airbnb Book this Florida cottage on AirbnbTypical starting price: $275Town: St.Augustine Sleeps: 2 guests/1 bedroom Rating: 4.90The pinewood interior and absence of electronic appliances bring an old-fashioned feel to this cottage. The cottage was originally built in 1946, but each room has been remodeled since except for the corner kitchen. The master bedroom has a plush Queen-size bed where you can fall asleep to the sounds of nearby waves crashing. Although you won't find a TV or phone, there are various ways to indulge in this home's rustic charm. A large outdoor deck overlooks an uncrowded beach and has a fire pit for chilly nights. Visit in summer and you may catch a glimpse of the sea turtles that dwell by the deck. Waterfront nest cottage in Mississippi Lounge on the spacious front porch for stunning views of the Gulf of Mexico. Airbnb Book this Mississippi beach house on AirbnbTypical starting price: $279Town: Long BeachSleeps: 4 guests/2 bedroomsRating: 4.97Set on the Mississippi Gulf Coast on ever-popular Long Beach, this waterfront cottage features breathtaking views over the Gulf of Mexico from its spacious front porch and has direct beach access.The two bedrooms can easily accommodate up to six people and inviting outdoor wicker furniture is framed by idyllic views.Inside, modern interiors include a spacious kitchen with marble countertops, soaking tubs in the bathrooms, and living room couches that face the water.  Pet-friendly oceanfront condo with pool access in South Carolina Staying here comes with access to a community pool, beaches, and bike rentals. Airbnb Book this South Carolina beach home on AirbnbTypical starting price: $261Town: Saint Helena IslandSleeps: 6 guests/2 bedroomsRating: 4.97Watch dolphins from the private balcony, walk to the beach, or laze the day away by the pool —  this oceanfront condo in South Carolina offers it all.Located in a private community just a stone's throw from one of the state's most beguiling beaches at Hunting Island State Park, the area offers miles of unspoiled beaches and is frequented by birders and nature lovers for some of the best animal sightings in the area.This second-floor condo offers one Queen bedroom and a second bedroom with a Twin bed. Guests have access to the community pool, beach, and two bikes. The unit also comes with a washer and dryer and is great for families with pets looking for a low-country getaway. Oceanfront condo in South Carolina Enjoy access to a private fishing pier, a community pool, and a pretty South Carolina beach. Airbnb Book this South Carolina beach house on AirbnbTypical starting price: $291Town: Isle of PalmsSleeps: 4 guests/1 bedroomsRating: 4.98Watch the waves roll in as you enjoy your morning coffee on the private terrace from this modern Isle of Palms condo in South Carolina. Newly renovated, this third-floor condo is especially nice for families with young children since it offers a King-size bed in the master and a bunk bed in the hallway. The decor is tasteful but beachy with coral pillows, a gray sofa, velvet armchairs, and a modern kitchen has a funky blue stone backsplash.The building has easy access to the beach and a private fishing pier, as well as a community pool and coin laundry facility.  Spacious beach house in South Carolina This expansive home is perched on half an acre on Port Royal Sound with private beach access. Airbnb Book this Hilton Head beach house on AirbnbTypical starting price: $332Town: Hilton HeadSleeps: 10 guests/3 bedroomsRating: 4.85Located on half an acre along Port Royal Sound, this three-bed, four-bath manse is capable of sleeping up to 10 people. Adjacent to a 40-acre nature preserve, staying here comes with direct views over the sound, plus private access to the beach. With an expansive, well-groomed yard for playing or relaxing under large oak trees covered in Spanish Moss, the house is also open to those looking to host a small, picture-perfect wedding or retreat with the beach and ocean as the backdrop.If this home is booked up, consider our other picks for the best vacation homes on Hilton Head Island. Beach house on a private island in South Carolina Escape to your very own private island off of Hilton Head with a beach all to yourself. Airbnb Book this private island beach house on AirbnbTypical starting price: $589Town: Hilton HeadSleeps: 6 guests/3 bedroomsRating: 4.94Instead of renting a regular old cottage on the beach, opt to claim your own private island here on Old House Cay. Accessible only by boat, this is as secluded and off-the-grid as it gets.Just a 10-minute ride away from neighboring Hilton Head Island in South Carolina, the home is part of a series of private islands that you'll have all to yourself over your stay. Experience everything from boating, fishing, and kayaking to simply lounging around the island and going for long beach walks. As far as getting around, the owners will take you and your guests back and forth from Hilton Head on their private boat as needed.Accommodations include a large, multi-story home with gorgeous wood floors, high ceilings, a modern kitchen, and a big blue dining table with room for the whole crew. All wood walls give it a hint of a cabin feel, while bright pillows and quilts add pops of color. A wooden deck with a fire pit out front is a lovely place to relax or make s'mores into the evening.  BI Beachfront condo in Southern California The beach is only a few steps away from this quaint second-floor condo. Airbnb Book this California beach house on AirbnbTypical starting price: $283Town: CarlsbadSleeps: 3 guests/1 bedroomRating: 4.90Open your door and step directly onto the sand at this charming beachfront condo in Carlsbad, California, near San Diego. Within walking distance to Carlsbad Village, this home is close to restaurants and boutiques, with a cozy set-up that is best suited to solo travelers and couples. The two-story condo unit is on the ground floor and features a brick fireplace, a small dining table and kitchen, a blue sofa with colorful pillows, and a private balcony with a table and chairs that overlook the ocean, which is just a few feet away. Beach house on a cove in Oregon A backyard trail leads to Shelter Cove where orcas often reside. Airbnb Book this Oregon beach house on AirbnbTypical starting price: $275Town: Port OrfordSleeps: 6 guests/3 bedroomsRating: 4.91Set on a cul-de-sac in the quiet neighborhood of Port Orford along the Oregon coast, this three-bedroom beach house is protected by old-growth forest and faces a cove where orcas are known to stay and take shelter.With gorgeous bay windows and total privacy within the neighborhood, along with private beach access and unobstructed views of the Lighthouse at Cape Blanco, it's tough to beat the spectacular setting. A private trail off the backyard takes you directly to Shelter Cove.The house itself offers big windows for a light and airy feel, with neutral colors of grays and creams, huge bedrooms, and a porch with a dining table, as well as a small fire pit in the yard. Cozy ocean view cabin in Northern California Breathe in the ocean air and spend time whale watching from this cliffside cabin. Airbnb Book this California beach house on AirbnbTypical starting price: $300Town: TrinidadSleeps: 5 guests/2 bedroomsRating: 4.97Tucked away in verdant Patrick Point State Park in northern California, this rustic two-bedroom cabin has incredible ocean views amid a lush forest. Top-rated features include the oversized hot tub, a picnic area overlooking the ocean, and a fire pit for roasting marshmallows after a long day. The yard offers ample space and lucky guests might even spot whales from the Adirondack chairs perched atop the lawn.The house is set on steep cliffs, which means you'll have phenomenal views, but won't be able to walk right out onto the beach. Instead, you will have to wind your way down to the shores below. Oceanview apartment in Northern California This cliffside home offers romantic views of the Pacific Ocean and Black Sands Beach. Airbnb Book this Northern California beach house on AirbnbTypical starting price: $348Town: WhitethornSleeps: 3 guests/1 bedroomRating: 4.92Overlooking the Pacific and Black Sands Beach, this one-bedroom cliffside home is lovely for a romantic trip.Inside, you'll find a private entrance and a wrap-around deck. The bedroom has a California King bed, plus a modern kitchen, bathroom, and a living room with a fireplace. There is even a private hot tub that directly faces the ocean.Take the trail from the home leading to the beach or walk or bike to any of the nearby beaches, restaurants, cafes, bars, and golf courses. The owner notes that you will need a car to get around and this home has a strict no pets policy and isn't suitable for young children. Posh beachfront apartment in Malibu This charming home has a sun-drenched interior, airy open-plan layout. Airbnb Book this Malibu beach home on AirbnbTypical starting price: $514Town: MalibuSleeps: 2 guests/1 bedroomRating: 4.99This sweet one-bedroom Airbnb Plus listing is well-placed on the iconic shores of Malibu for sweeping, dramatic views that feel plucked from a Nicholas Sparks novel.Light and airy, this seaside haven is impeccably decorated with pristine white fixtures that stand out against natural wood floors and beams. Unique details like a small, wire Eiffel Tower perched on an antique desk and old framed letters and clippings add whimsical charm.Fall asleep to the sound of ocean waves after enjoying drinks on the deck as you catch a sunset. Just know that this home is incredibly popular and tends to book almost a year in advance. Pacific Ocean beachfront home in Encinitas, California Pacific Ocean views abound from every room. Airbnb Book this Californian beach home on AirbnbTypical starting price: $516Town: EncinitasSleeps: 4 guests/2 bedroomsRating: 4.90This beach home wows right away with its stunning panoramic ocean views, available throughout the house. However, they're especially impressive from the open plan living room thanks to its arched beam ceilings that make the space feel airy and breezy.The unobstructed views are also sure to dazzle from the multiple patios, which come with a grill, lounge chairs, an outdoor shower, and a private stairway leading to the sand.The amenities are also nicely appointed, with a  fireplace, full kitchen with a wine fridge, and multiple bedrooms, some of which lead directly to the terrace.  Pet-friendly beach cottage with amazing views in Oregon This contemporary home has an outdoor shower, a gas fireplace, and a great balcony. Airbnb Book this Oregon beach cottage on AirbnbTypical starting price: $599Town: Cannon BeachSleeps: 5 guests/2 bedroomsRating: 4.98This modern beachfront home in beautiful, iconic Cannon Beach, Oregon has easy beach access just 100 feet from the front door. Inside, large picture windows offer unobstructed ocean views and a gas fireplace makes for a cozy spot. The outdoor shower is a nice way to rinse away sand after a beach day and the outdoor balcony is a great place to savor the sweeping views. At night, have a bonfire with s'mores in the yard.The pet-friendly home is located on a quiet residential street with free street parking and is within easy access of plenty of shops, grocery stores, and restaurants. FAQ: Airbnb beach houses Where is the best place to rent a beach house?The best place to rent a beach house depends on the type of beach and vacation you prefer. For year-round warm weather, look to places like Florida or Southern California.For the classic New England look of windswept beach grass, large dunes, and shingled cottages, you'll find great homes in places like Maine, Massachusetts, Connecticut, Rhode Island, and the Jersey Shore. For something posh, try the Hamptons.Bluer waters and warmer temps of course will be found within the South or West Coast, and the West Coast offers stunning scenery from California up to Oregon and Washington.How do I search for a beach house on Airbnb?You can specifically search for a beach house on Airbnb. First, input your preferred location and dates, then select More Filters, and refine results to only show beachfront homes by selecting the box that says Beachfront under Amenities.What should I look for in an Airbnb?Sorting through the vast array of homes available on Airbnb can be tough. Consider using criteria similar to what we use, which includes looking at the average rating, as well as reading up on recent reviews to ensure the home is still in top shape. Look for Superhosts and consider sorting by Airbnb Plus or Airbnb Luxe if you want a higher-end stay that's been vetted for exceptional amenities, decor, and hosting. Of course, for a beach getaway, location will be key. Be sure to look on the map and ensure before booking that the home is actually close to the beach. You don't want to arrive only to find out you actually need to take a 30-minute car ride before your toes can hit the sand. Is Airbnb safe?We strongly encourage following guidelines and advice from leading health organizations including the CDC and following local and state laws before planning a vacation of any kind. You should also be proactive when it comes to wearing a mask, washing your hands frequently, and maintaining social distancing no matter where you go.However, the CDC now recommends domestic travel as safe for fully vaccinated individuals.Experts also say that booking an entire home rental is one of the safest options for travelers right now because they eliminate encounters with others outside your traveling party, and because Airbnb mandates Enhanced Clean protocols that all hosts must now follow. What is Airbnb's cancellation policy?Cancellation policies on Airbnb differ from home to home and are set by each individual host. You can find a full breakdown of Airbnb's cancellation policies here. How we selected the best beach houses on Airbnb Every Airbnb listing is for the entire home, per current expert recommendation.All Airbnb homes are highly-rated listings with a rating of 4.7 or higher.All beach houses are located right on, or next to the beach.All take part in Airbnb's Enhanced Clean protocol program for added peace of mind.The homes offer strong value in terms of price, offerings, amenities, and location and are priced between $100 and $650 per night to start.Homes are available to book in the coming weeks and months, as of publishing. However, some homes are quite popular and book fast. Consider booking for a future vacation in a few months or next year. Find more great beach house rentals Airbnb The best Airbnbs on the Jersey ShoreThe best Airbnbs in the HamptonsThe best Airbnbs in Cape CodThe best Airbnbs in Hilton HeadThe best Airbnbs in FloridaThe best Airbnbs in Myrtle Beach The best Airbnbs in Virginia BeachThe best vacation rentals in the Outer BanksThe best vacation rentals in Ocean City  Read the original article on Business Insider.....»»

Category: worldSource: nytSep 23rd, 2021

B&Q Owner Kingfisher Nails Demand For DIY

“B&Q and Screwfix owner Kingfisher plc (LON:KGF) has again nailed our insatiable demand for DIY. The race for more space in our homes has kept demand booming for building and decorating materials. The working from home revolution has been a seismic change and  has led so many people to re-evaluate the way they live.  Doing […] “B&Q and Screwfix owner Kingfisher plc (LON:KGF) has again nailed our insatiable demand for DIY. The race for more space in our homes has kept demand booming for building and decorating materials. The working from home revolution has been a seismic change and  has led so many people to re-evaluate the way they live.  Doing deals from the kitchen table just isn’t going to cut it longer term, so they have been eyeing up extensions, renovations and outdoor offices instead. if (typeof jQuery == 'undefined') { document.write(''); } .first{clear:both;margin-left:0}.one-third{width:31.034482758621%;float:left;margin-left:3.448275862069%}.two-thirds{width:65.51724137931%;float:left}form.ebook-styles .af-element input{border:0;border-radius:0;padding:8px}form.ebook-styles .af-element{width:220px;float:left}form.ebook-styles .af-element.buttonContainer{width:115px;float:left;margin-left: 6px;}form.ebook-styles .af-element.buttonContainer input.submit{width:115px;padding:10px 6px 8px;text-transform:uppercase;border-radius:0;border:0;font-size:15px}form.ebook-styles .af-body.af-standards input.submit{width:115px}form.ebook-styles .af-element.privacyPolicy{width:100%;font-size:12px;margin:10px auto 0}form.ebook-styles .af-element.privacyPolicy p{font-size:11px;margin-bottom:0}form.ebook-styles .af-body input.text{height:40px;padding:2px 10px !important} form.ebook-styles .error, form.ebook-styles #error { color:#d00; } form.ebook-styles .formfields h1, form.ebook-styles .formfields #mg-logo, form.ebook-styles .formfields #mg-footer { display: none; } form.ebook-styles .formfields { font-size: 12px; } form.ebook-styles .formfields p { margin: 4px 0; } Get The Full Henry Singleton Series in PDF Get the entire 4-part series on Henry Singleton in PDF. Save it to your desktop, read it on your tablet, or email to your colleagues (function($) {window.fnames = new Array(); window.ftypes = new Array();fnames[0]='EMAIL';ftypes[0]='email';}(jQuery));var $mcj = jQuery.noConflict(true); Q2 2021 hedge fund letters, conferences and more Kingfisher's Sales Were Up 22% Like for like sales were up 22% for the half year – that’s partly because this time last year there were still significant store closures in certain regions – but there has been resilient demand across all markets. France has turned from a weak to a bright spot, with retail profit more than doubling compared to the same period last year, with the effort to restore the discount DNA to the Bricot Depot chain clearly reaping rewards. In the third quarter, demand overall dropped back a little, by 0.6%, with the bad weather putting people off starting outdoor projects and making purchases, but compared to 2019 the DIY craze shows little sign of waning with like for like sales up 16% Supply chain issues have still caused headaches, particularly amid such high demand, but these are cracks in its slick operating model the company has been busy filling. Although higher shipping costs and bottlenecks at major ports don’t look like they are going to ease any time soon and will remain a challenge, so far the company has navigated the shortage of raw materials and drivers adeptly. Prices are going up more steeply than usual but so far its managed to limit inflationary pressures on the business, though concerns will remain over whether it will be able to continue to do so, if the supply chain crunch continues well into next year. With absenteeism rates going up in Vietnam and China the company says it also remains mindful of continued uncertainty relating to Covid. Nevertheless it doesn’t expect sales to dwindle as much as previously thought for the second half of the year – expecting a drop off of between 7 and 3 % compared to a fall of 5 to 15% - which when compared to the same period in 2019 represents a sales jump of around 9 to 13%. The £300 million share buy-back scheme is also a show of confidence in the company’s outlook and the expectation that strong cash generation will continue. If the company is hit with a splattering of more supply chain disruption, it has shown it has the resilience built into its model to repair the worst of the damage." Article by Susannah Streeter, senior investment and markets analyst, Hargreaves Lansdown About Hargreaves Lansdown Over 1.64 million clients trust us with £135.5 billion (as at 30 June 2021), making us the UK’s largest digital wealth management service. More than 98% of client activity is done through our digital channels and over 600,000 access our mobile app each month. Updated on Sep 23, 2021, 10:44 am (function() { var sc = document.createElement("script"); sc.type = "text/javascript"; sc.async = true;sc.src = "//mixi.media/data/js/95481.js"; sc.charset = "utf-8";var s = document.getElementsByTagName("script")[0]; s.parentNode.insertBefore(sc, s); }()); window._F20 = window._F20 || []; _F20.push({container: 'F20WidgetContainer', placement: '', count: 3}); _F20.push({finish: true});.....»»

Category: blogSource: valuewalkSep 23rd, 2021