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When shopping for products to help address issues like under-eye puffiness, dark circles and fine lines, it’s important to buy items specifically designed for the under-eye area, said Dr. Karen Burke, a board-certified dermatologist and research scientist. According to the medical experts we consulted, under-eye patches work by targeting dark circles, crow’s feet, wrinkles and fine lines. The best under eye patches and masks of 2023Below are a handful of expert-recommended under-eye patches that are formulated to nourish the under-eye area. The experts we spoke to gave these eye patches a thumbs up when it comes to combating puffiness thanks to a cooling cucumber extract. These under-eye patches can be reused up to 10 times, according to the brand.

☆ JPMorgan's acquisition strategy is coming under fire. Here are the 15 fintech and consumer-focused deals done by the bank since 2020.
▼ + stars: | 2023-01-13 | by ( Carter Johnson | Rebecca Ungarino | ) www.businessinsider.com time to read: +19 min

NutmegDeal details: JPMorgan announced the acquisition in June 2021, paying approximately $1 billion. cxLoyaltyDeal details: JPMorgan said it would buy cxLoyalty's global loyalty division in December 2020. ProxymityDeal details: JPMorgan, Citi, HSBC, and other firms together invested $20.5 million in Proxymity in May 2020. Viva WalletDeal details: JPMorgan said it would acquire 49% of Viva Wallet in January 2022, pending regulatory approval. Christian Petersen-Clausen/Getty ImagesRenovite TechnologiesDeal details: JPMorgan announced on September 12 it plans to acquire Renovite.

☆ Here are Friday's biggest analyst calls: Tesla, Apple, Amazon, AMC, Netflix, Caterpillar & more
▼ + stars: | 2023-01-13 | by ( Michael Bloom | ) www.cnbc.com time to read: +6 min

Here are Friday's biggest calls on Wall Street: Bank of America upgrades Caterpillar to buy from neutral Bank of America said in it sees a multiyear growth story for the industrial giant. Guggenheim downgrades Tesla to sell from neutral Guggenheim said numbers are too optimistic ahead of Tesla 's earnings later this month. Deutsche Bank downgrades Logitech to hold from buy Deutsche said it's concerned about weakening PC demand trends. Bank of America reiterates Alphabet as buy Bank of America said it's standing by its buy rating on the stock, but that it sees further headcount reductions this year. Bank of America names Netflix a top pick Bank of America said Netflix is one of the best positioned media company's for the permanent shift to streaming.

Historically Black colleges and universities have been embroiled in a student housing crisis for decades. Fisk is believed to be the second U.S. higher education institution to utilize shipping containers for student housing after the College of Idaho implemented dorm-style containers in 2020. “The enrollment is growing so fast, and the shipping containers provide some sustainable flexibility. They all wanted to live in these shipping containers,” Frederiksen said. Meanwhile, other projects like the HBCU Healthy Housing (H3) Initiative from the Virginia-based advocacy group Student Housing of America are partnering with universities to build additional housing.

☆ Companies Are Inventing Silly, Cute Executive Titles but It's a Trick
▼ + stars: | 2023-01-12 | by ( Drew Limsky | ) www.businessinsider.com time to read: +10 min

Chief amazement officers, chief heart officers, and chief empathy officers are popping up across companies. They also found that titles like chief people officer and chief happiness officer were gaining in use. If you thought home's where the heart is, think again, because the workplace now has a chief heart officer. Sometimes the chief heart officer exists in addition to the head of human resources, a role that is increasingly called, more humanistically, the chief people officer. Claude Silver, the chief heart officer at VaynerMedia and self-proclaimed "first chief heart officer," told Forbes in 2017 that she was "here to be of service" to her staff.

☆ A teen endured taunts after reporting a sex assault, but her school didn’t help, complaint says
▼ + stars: | 2023-01-10 | by ( Kate Martin | Kate Martin Is An Enterprise Reporter For Nbc News | Based In North Carolina. | ) www.nbcnews.com time to read: +6 min

“I think this situation is a perfect example of why schools have Title IX obligations,” said Chloe Neely, the lawyer representing Riley in her Title IX complaint. Riley’s Title IX complaint accuses Cherokee County Schools, which has about 2,900 students, of not properly training school staff on how to respond to a complaint of harassment. “There usually aren’t any accountability measures in place to ensure compliance with Title IX,” said Meyer, who was not referring specifically to Cherokee County. The proposed Title IX changes are currently going through a federal review process and could be finalized later this year. Cherokee County Schools only opened its own investigation in early 2022, after Marcella filed the Title IX complaint and more than three months after the alleged assault.

☆ Pitch Decks That Advertising Tech Startups Used to Raise Millions
▼ + stars: | 2023-01-10 | by ( Business Insider | ) www.businessinsider.com time to read: +19 min

Check out these pitch decks that they've used to sell their vision and raise millions from private equity and VC investors. Blocking ad fraudAdtech startup Lunio, announced a $15 million Series A funding round in September 2022. In May 2022, the software-as-a-service startup raised a $30 million Series B round, led by Insight Partners. Marketing in the metaverseAnima, an augmented-reality startup, raised a $3 million funding round from investors in Janury. He raised $50 million in Series D after closing a $34 million Series C last year, bringing its total raised to $100 million.

☆ It might be possible to fight a traffic ticket with an AI 'robot lawyer' secretly feeding you lines to your AirPods, but it could go off the rails
▼ + stars: | 2023-01-10 | by ( Sindhu Sundar | ) www.businessinsider.com time to read: +4 min

DoNotPay wants to put AI to the courtroom test, and plans to use it to advise defendants in traffic cases. Judges could alert bar associations to a rogue "robot lawyer" on the loose, legal experts said. But DoNotPay's founder Joshua Browder plans to put his app's AI "robot lawyer" to just such a test in an upcoming traffic court case in February, according to a report in the New Scientist that heralds the first AI-powered defense in court. "The traffic court judge might have questions about who's really doing the talking here." As Browder courted headlines with the bold move to take DoNotPay's "robot lawyer" to court, he also tweeted an incredible offer on Sunday.

☆ ChatGPT is coming for classrooms, hospitals, marketing departments, and everything else as the next great startup boom emerges
▼ + stars: | 2023-01-10 | by ( Emilia David | ) www.businessinsider.com time to read: +4 min

Entrepreneurs are encouraged to look at generative AI as a tool to solve a myriad of problems. This year will be the year new ways of using generative AI will thrive. Jasper competitor Copy.ai, which uses ChatGPT for marketing, raised $11 million in Series A in October 2021. Not all generative AI companies have longevity, and not all sectors have problems that generative AI can solve. For now, investors are confident their bets in generative AI will pay off, said Josh Constine, partner at Signal Fire.

☆ C-SPAN is calling on McCarthy to allow its cameras in the House after its unprecedented coverage of the leadership fight
▼ + stars: | 2023-01-10 | by ( Oliver Darcy | ) edition.cnn.com time to read: +4 min

The public affairs network on Tuesday sent a letter to new House Speaker Kevin McCarthy asking for permission to operate its own independent cameras in the House chamber. But during special events, such as last week during the election of the House speaker, independent cameras from outlets like C-SPAN are permitted. Instead, we request to install a few additional cameras in the House chamber,” Swain added. But other members of Congress have expressed openness or outright support for letting C-SPAN cameras into the chamber. “Last week’s [C-SPAN] coverage was worthy of an Oscar,” Pocan tweeted.

☆ The December jobs report sent mixed signals. Here's what it means for markets.
▼ + stars: | 2023-01-09 | by ( Phil Rosen | ) www.businessinsider.com time to read: +6 min

The December jobs report is another data point that signals the Fed has more work to do to cool the economy. "A labor market this strong means an imminent recession is highly improbable," Indeed Hiring Lab economist Nick Bunker wrote in a note. While stocks usually sell off after these strong reports, fearing the worst from the Fed, Friday saw a strong rally. History suggests there are very strong odds the stock market gains 20% this year after last year's bludgeoning. Tesla stock has tumbled to multiyear lows.

☆ 23 of the best business apps for entrepreneurs that help with organization, connectivity, and mindfulness
▼ + stars: | 2023-01-09 | by ( Alexandra York | ) www.businessinsider.com time to read: +9 min

Digital tools such as apps have become a crucial part of running a business, founders told Insider. Many of these apps are free and help with tasks like organizing project timelines or meditation. Many of these apps are free or low-cost and help entrepreneurs with tasks like organizing project timelines, connecting with customers, and finding time for themselves. TikTok"I love TikTok for both life and business," Daphne Chen, the founder of the sexual-healthcare company TBD Health, said. CalmDiego Osorio, the founder of the tequila brand Lobos 1707, prefers the Calm meditation app for 20-minute meditations and stress management.

☆ Meet the guy whose algorithm could solve the crisis of America's empty office space
▼ + stars: | 2023-01-08 | by ( Zoe Rosenberg | ) www.businessinsider.com time to read: +5 min

Converting offices into apartments brings people back to downtown areas as residents, not commuters. The algorithm is able to quickly assess which office buildings are viable for conversion to apartments, which are known in industry parlance as multifamily residential. "And then, actually, the demand for the remaining office buildings goes up, because you're creating scarcity by taking some out of the market." Most urban centers lack sufficient housing, but turning office buildings into apartments helps add additional units to rent or buy. About 28% of the area's office space is vacant.

☆ You can bike while working from home with this new desk that lets you charge your devices by pedaling
▼ + stars: | 2023-01-04 | by ( Britney Nguyen | ) www.businessinsider.com time to read: +2 min

Acer announced a new bike desk that will let people charge their devices while they work out. The $999 eKinekt BD 3 converts energy from pedaling to charge multiple devices at the same time. You can use the bike for work or only working out, and a compatible app lets you see your progress. The stationary bike desk also has two different modes, so the desk can be adjusted closer to the seat for working, or pushed pack to make more room for exercise. The bike desk also has a bag hook and a place for a beverage.

☆ BuzzFeed's $300M purchase of Complex promised to grow both brands, but insiders say strategies have clashed and Complex's culture is being 'completely gutted'
▼ + stars: | 2023-01-03 | by ( Lucia Moses | ) www.businessinsider.com time to read: +9 min

Complex insiders worry that the cuts threaten their brand's culture and future. Clashing video strategies as some fear Complex culture is being 'completely gutted'Kevin Hart appeared on Complex's "Hot Ones" series. Before joining with BuzzFeed, Complex's then-CEO Rich Antoniello had conversations with Vice Media and Vox Media. But Complex insiders felt especially aggrieved when, this fall, BuzzFeed announced a global expansion for ComplexCon. To Complex insiders, BuzzFeed's plan to take the event to Australia, Europe, and Asia simultaneously was unrealistic and under-resourced.

☆ Some Starbucks customers are furious about changes to its rewards program that makes most free drinks harder to redeem
▼ + stars: | 2022-12-31 | by ( Mary Meisenzahl | ) www.businessinsider.com time to read: +4 min

Customers who enroll in the chain's Starbucks Rewards program earn points — or "stars" — when purchasing food or drinks, which can then be redeemed for free menu items, like coffee. Insider spoke to four Starbucks customers who said they'll visit the chain less often thanks to the change. Though she's been a loyal customer since 2015, Graf-Juarez plans to stop visiting Starbucks, she told Insider. Amy Babby, another former Starbucks devotee, told Insider that she plans to discontinue the habit completely. Chipotle increased the number of points rewards members needed for a free burrito by 16%, and Dunkin' revamped its entire rewards system, more than doubling the amount of spending required for drinks like a free latte.

☆ How to Invest in Stocks
▼ + stars: | 2022-12-30 | by ( ) www.wsj.com time to read: +23 min

Set your time frameWhen you’re ready to invest in stocks, it’s natural to start by looking at how the stock market has performed recently. If you’re saving for the long-term: Invest in stocksOn the other hand, if you have a long-term financial goal—especially retirement, but any goal a decade or more out—you can afford to invest in the stock market. Decide how much risk to takeJust because you have time to invest in stocks doesn’t mean you have the stomach. Return Best Year Worst Year Years with a loss 100% Stocks 12.3% 54.2% -43.1% 25/96 80% Stocks 11.1% 45.4% -34.9% 24/96 60% Stocks 9.9% 36.7% -26.6% 22/96 40% Stocks 8.7% 35.9% -18.4% 19/96 20% Stocks 7.5% 40.7% -10.1% 16/96 100% Bonds 6.3% 45.5% -0.8% 20/96 VanguardStep 3. Most ETFs are index funds, meaning they merely aim to match the returns of a stock market index, although some target very narrow slices of the market, such as just tech stocks or just energy stocks.

☆ Trump tax returns show former president was subject to $10,000 SALT cap — but experts say he may have sidestepped the limit
▼ + stars: | 2022-12-30 | by ( Greg Iacurci | ) www.cnbc.com time to read: +5 min

A 2017 tax law capped SALT deductions at $10,000The House Ways and Means Committee's release of six years of Trump's tax returns follows a lengthy fight over making them public. New state rules provide a SALT workaroundHowever, the income tax returns don't provide the full picture, experts said. Here's why: Many states issued rules after 2017 that offer a workaround to certain business owners impacted by the $10,000 SALT cap. The workarounds would apply to business income Trump derived from partnerships, S corporations and some LLCs after 2017. While it's likely Trump leveraged these tax rules, it's impossible to know without additional information like business tax returns if he did and the extent to which he may have benefited, experts said.

☆ Creator economy experts say 2023 will be a buyer's market for M&A. Here are 5 themes to watch, from tech buyers like Shopify to startup consolidation
▼ + stars: | 2022-12-30 | by ( Marta Biino | Sydney Bradley | ) www.businessinsider.com time to read: +12 min

"As a result, institutional acquirers, like PE firms who still have dry powder to spend, will start snatching up mid-to-large sized creator startups at much more advantageous prices." Insider spoke with creator-economy and market experts about what deals and the broader M&A landscape in 2023 may look like. "They're going to see that the creator economy exists as a direct failure of them to support creators," Gestetner said. "But if an opportunity arises for us to significantly enhance our capabilities to make us a better business powering the creator economy, we'll consider it." Startups can expect consolidation in saturated marketsThe crowded niches within the creator economy startup sphere could also face a wave of consolidation.

☆ Lawyers exit Hong Kong as they face campaign of intimidation
▼ + stars: | 2022-12-29 | by ( ) www.reuters.com time to read: +18 min

The event that precipitated his hasty departure, Vidler said, was the appearance of articles in the state-backed media in Hong Kong about him. “This was in my view state-sponsored intimidation and harassment,” said Vidler, whose wife and children later left Hong Kong. One Hong Kong solicitor who has relocated to England told Reuters that she knew of at least 80 Hong Kong lawyers who had moved to Britain since the security law was imposed in June 2020. Another lawyer, now living in Australia, estimated that several dozen Hong Kong lawyers had moved there. Mainland officials have long sought influence over these two influential bodies, according to senior Hong Kong lawyers.

☆ 11 retinol and retinoid products for acne, wrinkles and more
▼ + stars: | 2022-12-28 | by ( Morgan Greenwald | Morgan Greenwald Is A Senior Editor For Select On Nbc News. | ) www.nbcnews.com time to read: +16 min

SKIP AHEAD Retinol and retinoid products | Retinol vs. retinoid | How to use retinol | What are the potential side effects of retinol? The serum contains time-released 1.5% retinol — which is on the higher side for retinol products — as well as vitamins C and E and squalane to moisturize the skin, according to the brand. Since retinoid products speeds up skin cell turnover, it can leave your skin feeling and looking dry, red and irritated. Greenwald has tried dozens of skin care products and brands over the years, including retinol products. Based on their guidance and recommendations, Greenwald reviewed the features and ingredients of highly rated retinoid products from brands like Neutrogena, Skinceuticals, Peter Thomas Roth, The Ordinary and more.

☆ 10 money managers who quietly control the vast fortunes of Jeff Bezos, Sergey Brin, the Waltons, and other big-name billionaires
▼ + stars: | 2022-12-27 | by ( Hayley Cuccinello | ) www.businessinsider.com time to read: +24 min

Many über-rich people don't outsource their wealth — they hire their own chief investment officers. He left SAC in 2005 for Dune Capital Management, but stayed in touch with Steve during his five-year term at the investment firm. Andrew oversees CPV's portfolio, which primarily comprises direct private investments such as Collectors Universe, a collectibles-authentication company, and the New York Mets. In 2011, Wildcat Capital Management was launched with Potter as president and chief investment officer. Since November 2021, Carland has also served as the interim chief investment officer for Builders Vision's asset arm.

Wynn's 2 properties in the special administrative region of Macao, China, had generated roughly 70% of the company's total revenue pre-Covid-19. Both Wynn and Estee Lauder are down more than 30% year-to-date, while Honeywell has risen more than 3% this year. The Club take China's latest move to reopen its economy should be a catalyst for multiple Club holdings. For Estee Lauder, a leader in luxury skin care, makeup and fragrances, China represents a key driver of growth. Relaxed quarantine restrictions should also boost the aerospace industry, which still hasn't fully recovered from the pandemic.

Share this -Link copied'It's too much for me': Zelenskyy begins speech by thanking U.S. Zelenskyy began his remarks before a joint meeting of Congress at 7:40 p.m. "I think we share the exact same vision, that of a free, independent and prosperous Ukraine," Biden said. The Ukrainian president added that the soldier told him that "many (of) his brothers, this system saved." President Joe Biden holds a medal presented to him by Ukrainian President Volodymyr Zelenskyy in the Oval Office. Share this -Link copiedPhoto: Zelenskyy shakes hands with Biden as he arrives President Joe Biden welcomes Ukrainian President Volodymyr Zelenskyy to the White House.

☆ Sri Lanka's cancer patients struggle amid economic chaos
▼ + stars: | 2022-12-22 | by ( ) www.reuters.com time to read: +6 min

The 32-year-old vegetable farmer was diagnosed with lung cancer in 2021 and started receiving treatment earlier this year just as Sri Lanka's economy went into free-fall. Amid crippling fuel scarcity and weeks of unrest, Kumarasinghe said he was unable to travel the 155 km (96 miles) between his home and Sri Lanka's main cancer hospital on the outskirts of the country's largest city, Colombo, for treatment. Kumarasinghe is among hundreds of cancer patients who have had their treatment upended by Sri Lanka's worst economic crisis since independence from Britain in 1948. Hospitals countrywide have struggled to contend with severe drug shortages, which have worsened over the last eight months, a representative of Sri Lanka's largest doctors union told Reuters. Sri Lanka's health ministry and senior health officials did not respond to calls from Reuters.

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