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But even with her salary and subsidies, Smith couldn't afford childcare. Vermont offers higher income eligibility and larger amounts for childcare subsidies than New Hampshire. During the pandemic, the Biden administration offered childcare assistance for both parents and childcare providers, but this money is set to run out in September. "My motherhood is deeply woven into how I think and how I work because it's all care work. She wants parents to feel comfortable openly saying that they're overwhelmed and can't afford childcare.

Persons: —, Smith, Smith isn't, It's, Michelle McCready, Jess Carson, Carson, McCready, Biden, James Heckman, they're Organizations: American, Service, Craigslist, US Census Bureau, America, Center for Social, University of New, Carsey, of Public Policy, New Hampshire ., US Locations: Grant's, Hampshire, Vermont, New Hampshire, New Hampshire . Vermont

☆ The role of the CMO is changing. Here's what 6 experts had to say about marketing amid increased social awareness and new tech.
▼ + stars: | 2023-06-20 | by ( Michael Kaminer | ) www.businessinsider.com time to read: +11 min

This article is part of CMO Insider, a platform that explores how the role of chief marketing officer is evolving. High tech rules, but traditional media still matters, CMOs sayEven with the dominance of social platforms and the emergence of AI, traditional media still plays a key role for brands. "We rely on traditional media for content whose audiences are still engaging that way, whether it's out-of-home or broadcast. In hospitality, "traditional media still plays a huge role," said Accor's Schellenberger. 1 KPI is building awareness, traditional media is still the best way to do it, along with other digital media tools."

Persons: Ewan McIntyre, it's, Alex Schellenberger, Marian Lee Dicus, Kimberly Whitler, Jessica Jensen, Jensen, Colin Kaepernick, hasn't, Marian Lee, I'm, Whitler, Jonathan Adashek, IBM's, Adashek, ChatGPT, Somebody's, Schellenberger, Netflix's, Indeed's Jensen, Accor's, there's, Dicus, Charlotte, Gartner's McIntyre Organizations: Marketing, Accor, University of Virginia's Darden School of Business, Nike, Netflix, IBM, Research Locations: Paris, jobseekers, Germany

☆ Disney has a math problem as it strives to compete with Netflix, Wall Street analysts warn. Here's why Bob Iger is destined to make a $9 billion bet on Hulu anyway.
▼ + stars: | 2023-06-16 | by ( James Faris | ) www.businessinsider.com time to read: +11 min

Disney CEO Bob Iger must decide whether to acquire all of Hulu and fold it into Disney+. By buying all of Hulu, Disney could integrate its content into Disney+, which would make the flagship Disney streamer a formidable challenger to Netflix. "You look at the Disney+ bundle with Disney+, Hulu, and ESPN+, and it's a pretty powerful combination," Nispel told Insider. Currently, the ad versions of Hulu and Disney+ each cost $8 per month while ad-free Hulu and Disney+ cost $15 and $11, respectively. The consensus among analysts about Disney's Hulu dilemma was neatly summarized by Barton Crockett of Rosenblatt Securities, whose price target implies 26% upside for Disney.

Persons: Bob Iger, Iger, that's, Joe Bonner, Brandon Nispel, Nispel, Disney's, Wells, Steven Cahall, Cahall, Hulu, Michael Morris, He's, Morris, Disney, Will Iger, Barton Crockett, Crockett Organizations: Disney, Hulu, Comcast, Netflix, Wall, Argus Research, KeyBanc, ESPN, TAM, Rosenblatt Securities Locations: Hulu

☆ A year ago, I sold my ad agency to a new type of agency holding company. Here are the things I wish I knew before.
▼ + stars: | 2023-06-16 | by ( Ryan Joe | ) www.businessinsider.com time to read: +5 min

One year ago, the ad agency Mekanism was bought by PE-backed holding company Plus Company. The ad agency Mekanism sold one year ago to the Canadian holding company Plus Company, which is backed by the private equity firm CVC Capital Partners. But as far as bosses go, not only is Plus Company CEO Brett Marchand really smart, I like him as a person. There are also holding companies that use a new model, like S4 and DEPT, where you become part of one big group. Due diligence was like "getting a couple of colonoscopies a week"I looked into CVC, the private-equity company that funds Plus Company.

Persons: Mekanism, Jason Harris, I've, Brett Marchand, hasn't, we'd, it's, They'd, We're, haven't, Brett, They're Organizations: PE, Plus Company, Capital Partners, Plus, Publicis, WPP, CVC, Company Locations: colonoscopies

☆ China’s economy is way more screwed than anyone thought
▼ + stars: | 2023-06-14 | by ( Linette Lopez | ) www.businessinsider.com time to read: +12 min

The bubble in China's property market finally popped. In April, China's economic data came in weak largely across the board. The problem is that while consumers may be picking up, the biggest drivers of the Chinese economy — property and exports — are going to stay dormant. Consumer consumption makes up about 37% of the Chinese economy (in the US that figure is about 70%). Beijing has tried to shift the country toward a consumption model, like the US, but exports still make up 20% of China's economy.

Persons: lockdowns, it's, Xi Jinping, Stanley Druckenmiller, We're, Morgan Stanley, Goldman Sachs, Wei Yao, Leland Miller, Miller, Yao, Wright, I've, —, Kearney, Linette Lopez Organizations: Trade, JPMorgan, Bloomberg Invest Conference, Bank of America's, China's National Bureau, Statistics, Societe Generale, Analysts, Beijing, China, Chinese Communist Party, China's Locations: China, globalism, Beijing, York, Asia

☆ I stumbled into a really powerful use for the ChatGPT iPhone app: super fast, super accurate voice-to-text transcription
▼ + stars: | 2023-06-12 | by ( Nicholas Carlson | ) www.businessinsider.com time to read: +7 min

A couple weeks ago, OpenAI finally came out with a native iOS app for ChatGPT. The voice-to-text transcription the app was doing was better than any voice-to-text transcription I'd ever seen. Here's how one of the leading AI-powered transcription services, Otter.ai, transcribed White's answer:"Now likely, since a summons demand, he'll he'll technically surrender to the US Marshal. He told me the reason the ChatGPT app is so good at this is that it's using another OpenAI technology called "Whisper." Altman mentioned to me that there are some apps and services out there beyond the ChatGPT app using Whisper.

Persons: OpenAI, cohost Josh Barro, Ken White, Trump, he'll, it's, they'll, they'd, Judge Cannon, It's, Sam Altman, Mel spectrogram, ChatPDF, that's, Altman Locations: he'll, Otter.ai

☆ LA Tech Week, the summer sequel, is more polished but some of the sizzle is gone
▼ + stars: | 2023-06-10 | by ( Ben Bergman | ) www.businessinsider.com time to read: +4 min

Unlike most tech conferences where tickets cost thousands, Tech Week is mostly free and open to anyone. If last year's hastily arranged LA Tech Week served as venture firm Andreessen Horowitz's LA coming out party, this year's version – taking place just 10 months later – served as the more polished but lower energy summer sequel. Unlike most tech conferences where tickets cost thousands of dollars, Tech Week, which concludes Sunday, is mostly free and open for anyone to attend or even host their own event. The LA Tech Week kickoff party in Pacific Palisades hosted by Crosscut and 75 & Sunny. Mostly gone unsaid was the dismal state of the tech market, which has worsened considerably since last year's Tech Week; Down rounds and layoffs do not make for great cocktail conversation.

Persons: Andreessen, –, Drew Glover, Glover, Ben Bergman, we'll, Gabe Greenbaum, unsaid, Jeremy Milken, Sophia Amoruso, Nasty, Amoruso Organizations: Tech, LA Tech, Santa, Fiat Ventures, Crosscut, B, Watertower Ventures, Trust Fund, Trust Locations: Santa Monica, marveling, St, LA, Hollywood, Venice, Pacific Palisades, Venice Mexican

☆ Apple Vision Pro: Impressive specs, new way of interacting could help it break the VR curse
▼ + stars: | 2023-06-09 | by ( Kif Leswing | ) www.cnbc.com time to read: +11 min

The Apple Vision Pro is significantly more powerful than nearly all competing products on the market. Huge specsThe new Apple Vision Pro headset is displayed during the Apple Worldwide Developers Conference on June 05, 2023 in Cupertino, California. A new interfaceApple Vision Pro Source: AppleJust as the iPhone did, the Apple Vision Pro introduces a new kind of user interface. Apple Vision Pro Source: AppleEye tracking often uses small sensors to see where the user's gaze is resting. The Apple ecosystemApple CEO Tim Cook stands next to the new Apple Vision Pro headset.

Persons: what's, Inbar, Tipatat Chennavasin, Apple, Justin Sullivan, Avi Greengart, Chennavasin, Jamin Hu, Steve Kovach, Hu, Mac, Tim Cook, Sean Mann, Greengart, Mann Organizations: Apple, Engineers, University of Utah, Nintendo, Microsoft, Meta, Google, Sony, Nvidia, Fund, Superventures, Venture, Apple Vision, Apple Worldwide, Apple Vision Pro, Vision, Getty Locations: Cupertino , California, Apple's, iPhones

☆ New York's suffocating smog reminds me what life was like growing up in Delhi
▼ + stars: | 2023-06-08 | by ( Spriha Srivastava | ) www.businessinsider.com time to read: +3 min

I spent more than two decades of my life in Delhi and battled with poor air quality every day. New York's smog situation brings back memories of what it was like growing up in Delhi. I spent more than two decades in the Indian capital and saw its air quality go from bad to worse. I stopped going to the doctor because they would often attribute this to "severe air pollution" and tell me to resort to home remedies. There are more than 11 million registered vehicles in Delhi and they play a big role in the unhealthy air quality.

Persons: they've, Spriha Srivastava Organizations: Service Locations: Delhi, New York, New Delhi, India

☆ Dozens of transgender people in Florida are crowdfunding to flee the state, and they've raised more than $200,000
▼ + stars: | 2023-06-04 | by ( Thalia Beaty | Associated Press | ) www.businessinsider.com time to read: +7 min

Dozens of transgender people in Florida are using crowdfunding to help them flee the state. In addition to banning gender-affirming care for transgender minors, the law places new restrictions on adults seeking treatment. Chelf began making plans to leave the state after Florida legislation caused her to lose access to gender affirming care. A marked increase in fundraisers to help trans people leave FloridaPeople have given more than $200,000 since January to fundraisers on GoFundMe started by trans people seeking to leave Florida, according to data from the platform. Sage Chelf shows her GoFundMe campaign to move out of Florida in Orlando, Fla., May 27, 2023.

Persons: —, Sage Chelf, Chelf, Laura Bargfeld, I'm, GoFundMe, Jalen Drummond, Ron DeSantis, Laura Bargfeld That's, Una Osili, Indiana University Lilly, Elise Colomer, it's, Jasmine Beach Organizations: Service, AP, Williams Institute, University of California, Los Angeles School of Law, Indiana University, Indiana University Lilly Family School of Philanthropy, Southern Equality Locations: Florida, GoFundMe . Florida, Fla, Orlando, Orlando Fla, Chelf, Cheadle, Illinois, Ferrara

☆ Home buyers are facing the least affordable market on record
▼ + stars: | 2023-06-03 | by ( Phil Rosen | ) www.businessinsider.com time to read: +4 min

Joe Raedle / Getty ImagesEdward Seiler is the associate vice president for housing economics at the Mortgage Bankers Association. Phil Rosen: The MBA's Purchase Applications Payment Index just hit a new high in April. For new home buyers, this is the worst situation since the end of the Great Recession. Current homeowners that were lucky enough to get a 2.75% interest rate in 2022 are in a great position, but for new buyers looking to buy a first home, or those looking to move to another home, it's a very daunting proposition. In his view, monthly payments for first-time buyers are up roughly one-third compared to last year — and that's going to keep buyers on the sidelines and weigh on demand.

Persons: I'm Phil Rosen —, Joe Raedle, Edward Seiler, Phil Rosen, Jen, Hsun Huang, Huang, Kim Kulish, Gregg Fisher, he's, Jensen Huang, It's, There's, Evercore's Mark Mahaney, Meta, shouldn't, David Rosenberg, who's, Larry Pitkowsky, Max Adams Organizations: Mortgage, Association, Twitter, Nvidia Corp, GPU Technology, Nvidia, Treasury Department, Fed, Tech Locations: San Jose , California, New York

☆ How Ford, GM auto dealers are thinking about Detroit's EV transition and their future
▼ + stars: | 2023-06-03 | by ( Trevor Laurence Jockims | ) www.cnbc.com time to read: +12 min

If consumers are to be sold on the mass adoption of battery-powered electric vehicles, car dealers are going to be essential to the pitch. But she expects more Ford dealers will opt in at a future date, once they observe a meaningful consumer shift to EVs. "Despite significant increases in EV sales in 2023, dealers are largely skeptical about the OEM's timeframes on the EV rollout," Kerrigan said. A dealer in Santa Monica may decide more quickly, "I need to be all-in on EVs," Maas said. It also caps their total EV sales at 25% of inventory.

Persons: Robb Hernandez, Hernandez, Brian Maas, Maas, EVs, Kerrigan, Ford, Erin Kerrigan, Kelley, BEV, Dealers, Jim Farley, Farley, Tesla, Tesla's, Ford's Organizations: Ford, Bloomberg, Getty, EV, GM, Camino Real Chevrolet, Car Dealers, California Air Resources Board, Kerrigan Advisors, Toyota, ICE, CNBC, Auto Locations: Colma , California, Monterey Park, Calif, California, U.S, Santa Monica, EVs, Eureka

Motorola announced its new Razr and Razr Plus foldable phones on June 1. Motorola's Razr Plus fixes my biggest issue with clamshell-style foldable phonesThe Razr Plus doesn't have the bottom lip that the previous model had, which makes for a cleaner look. Now, the Razr and Razr Plus have a modern clamshell design, where both halves are identical and flat. Motorola's standard Razr could be the most affordable foldable phone you can buyThe standard Razr also lacks the bottom lip of the previous Razr iteration for a cleaner overall look. Motorola Razr and Razr Plus specs

Persons: Antonio Villas, I'm, Villas, Sage, that's, You'll, That's Organizations: Motorola, Spectrum Mobile, Google, Optimum, Boas, Qualcomm, Samsung Galaxy, Samsung, Motorola hasn't, preorder Locations: 165Hz, 144Hz

Today's your last chance to score one of these excellent Memorial Day TV sales. We've also been busy covering the latest Memorial Day mattress sales and the wider world of Memorial Day sales if you're looking to treat yourself today. The best Memorial Day TV salesMemorial Day TV dealsThe Samsung S95B delivers impressive color and contrast performance. You're also getting the Amazon Fire TV smart TV features built-in along with a Fire TV remote. Memorial Day TV sale FAQsWhen is Memorial Day 2023?

Environment Programme (UNEP), which is hosting the talks, released a blueprint for reducing plastic waste by 80% by 2040. The report, issued earlier this month, outlined three key areas of action: reuse, recycling and reorientation of plastic packaging to alternative materials. This week, dozens of countries were listing public health as one of their priority concerns in limiting plastics production and waste. The UNEP report also identified 13,000 chemicals associated with plastic production, more than 3,000 of which were considered hazardous. Greenpeace, meanwhile, issued a report collecting findings from scientific research papers that suggest plastic recycling processes can release many of these chemicals including benzene into the environment.

☆ Meet 3 couples on a swingers' cruise with 'Fifty Shades of Grey'-style playrooms and a clothing-optional pool
▼ + stars: | 2023-05-27 | by ( Jyoti Mann | ) www.businessinsider.com time to read: +5 min

Some "sexually adventurous" couples are taking swingers' cruises with clothing-optional pools. Some "sexually adventurous" couples wanting more than just sun loungers and bingo are taking cruises for "swingers" that offer "Fifty Shades of Grey"-style fetish playrooms. Guests can choose to take a dip in a clothing-optional swimming pool or let loose at theme parties while voyaging across the ocean. Insider spoke to three couples during a cruise from Miami to Jamaica in April about their experience and why they decided to go. The couples chose to use their first names only to protect their privacy, but their identities are known to Insider.

☆ Elon Musk's quest for an irresistible price could spell trouble for Tesla and its stock
▼ + stars: | 2023-05-21 | by ( Brian Evans | ) www.cnbc.com time to read: +11 min

Its goal has been to coax consumers to make the leap to its brand with the lower prices. Finding an 'irresistible' price Tesla's price cuts are an effort to take advantage of that growing market. "We have written extensively on the drag EVs have on margins for legacy [original equipment manufacturers] and the impact of EV price deflation. She added that the price cuts are an effort for Tesla to retain market dominance and stave off competition from big competitors like Ford. Longer term, Tesla's price fluctuations could do more harm than good if they end up turning consumers off.

☆ A couple transformed an 150-year-old abandoned farmhouse in rural Japan into an Airbnb. Here's how they built their country homestead.
▼ + stars: | 2023-05-21 | by ( Eliza Relman | ) www.businessinsider.com time to read: +3 min

Byron and Kaori Nagy have fully renovated a 150-year-old unoccupied farmhouse an hour outside Tokyo. Byron, who's originally from New Jersey, also created a farm on land nearby. They've also spent between $300,000 and $400,000 building a new home in the traditional Japanese style. Top editors give you the stories you want — delivered right to your inbox each weekday. "It's easier today to live in this country than it's ever been," Allen said.

☆ Ford, GM and Toyota push into midsize pickup trucks, the latest battleground for U.S. automakers
▼ + stars: | 2023-05-20 | by ( Michael Wayland | ) www.cnbc.com time to read: +5 min

Midsize pickup trucks are following the lead of their larger, full-size counterparts such as the Ford F-150, Chevrolet Silverado and Toyota Tundra. While the Detroit automakers dominate large pickup truck sales, Toyota Motor is the clear leader in midsize pickup truck sales with its Tacoma. Toyota has commanded a roughly 40% share of the American midsize pickup truck segment since 2019, when Ford and Jeep reentered the market, Edmunds reports. Edmunds reports the Detroit automaker's share of the U.S. midsize pickup segment last year was about 19%, followed by Stellantis ' Jeep Gladiator at 12.8% and the Nissan Frontier at 12.5%. Varying strategiesAutomakers' sales volumes speak to their diverging strategies in the midsize pickup truck segment.

☆ A lurker's worst nightmare — a Facebook bug sent friend requests to profiles that users were looking at
▼ + stars: | 2023-05-20 | by ( Will Gendron | ) www.businessinsider.com time to read: +2 min

Lurkers beware — a Facebook glitch sent automatic friend requests to profiles that users clicked on. It's every lurker's worst nightmare — checking the Facebook profile of a crush, coworker, or someone they might not necessarily know, only to accidentally send a friend request. Facebook's parent company, Meta, which confirmed the issue to Insider, said the glitch occurred as a result of an update to the Facebook app, which "caused Facebook friend requests to be sent mistakenly." "Well, that would explain why I received a surprise friend request from some dumshit flat-earther I was making fun of," said another. This is the latest bug to plague Facebook users — in August 2022, a "configuration change," spammed users' feeds with celebrity posts.

☆ Here's how much wedding guests are spending as inflation, interest rates are 'taking a toll,' expert says
▼ + stars: | 2023-05-20 | by ( Jessica Dickler | ) www.cnbc.com time to read: +1 min

Weddings are expensive, and not just for the bride and groom. Wedding gifts alone average $180. "Like just about everything else, inflation and higher interest rates are taking a toll on wedding attendees," said Ted Rossman, Bankrate's senior industry analyst. About 21% of wedding guests feel pressured to spend more than they comfortably are able to, and 18% must lean on credit cards just to attend, Bankrate found. According to a separate survey by LendingTree, 40% of those who attended a wedding in the past five years have taken on debt to cover the cost.

Share Share Article via Facebook Share Article via Twitter Share Article via LinkedIn Share Article via EmailHow UnitedHealth Group grew its annual revenue by more than $100B over the past decadeUnitedHealth Group is the biggest health-care conglomerate in the U.S. based on market cap and revenue. It's even bigger than JPMorgan Chase, the nation's largest bank. Annual revenue has nearly doubled over the past decade, when adjusted for inflation, from $144 billion in 2012 to $250 billion in 2022. The company's growth was fueled by an acquisition strategy that has been largely free of regulatory scrutiny. Watch the video above to learn how UnitedHealth grew so big and what that means for U.S. health care.

☆ How UnitedHealth Group grew bigger than the nation's biggest banks
▼ + stars: | 2023-05-20 | by ( Charlotte Morabito | In Charlottemorabito | ) www.cnbc.com time to read: +3 min

UnitedHealth Group has the highest price per share of any company on the Dow Jones Industrial Average and it's the tenth heaviest-weighted stock on the S&P 500. In fact, not only is UnitedHealth the biggest health-care conglomerate in the United States based on market cap and revenue, it's even bigger than JPMorgan Chase, the nation's largest bank. "If I had to pick one stock, only one stock to buy, I'd buy United[Health]," said Ana Gupte, principal at AG Health Advisors. "UnitedHealth Group is committed to improving the health system for everyone, advancing evidence-based practice and aligning incentives across the system to ensure people get the right care at the right time in the right place," UnitedHealth Group told CNBC. Watch the video above to learn how UnitedHealth Group grew so big and what that means for the U.S. health-care system.

☆ This company could take lab-grown meat mainstream thanks to a green light from the FDA
▼ + stars: | 2023-05-19 | by ( Natasha Piñon | ) www.cnbc.com time to read: +14 min

Upside Foods' pivotal moment also comes at a key moment in the alternative meat industry. The cultivated-meat industry could have a wider consumer base than previously introduced alternative meat products, because unlike plant-based meats, it's "real" meat — minus the slaughtered animals. And, accordingly, some traditional meat companies have expressed interest in the burgeoning cultivated-meat industry, which one day could become a competitor. The cultivated-meat industry will need a similar boost if it's ever going to become a grocery store staple, Swartz said. The FDA's clearance was a voluntary premarket consultation, which means the agency has no further questions about the safety of Upside's products.

☆ I'm a florist for a 5-star hotel in Hawaii. Our flowers tell a rich cultural story — certain ones are connected to special Hawaiian legends and folklore.
▼ + stars: | 2023-05-17 | by ( Molly O'Brien | ) www.businessinsider.com time to read: +4 min

Joseph Reyes, 51, is the head florist at Halekulani, a hotel on the beach in Honolulu. Reyes' job is to book more weddings, create centerpieces, and manage other floral needs for the hotel. This as-told-to essay is based on a conversation with Joseph Reyes, 51, the head florist at Halekulani, a hotel on the beach in Honolulu. I was born in the Philippines but raised in Honolulu, and now I work as the head florist at Halekulani, a hotel on the beach in Honolulu. Certain flowers are associated with special Hawaiian legends and folkloreOne example would be the Ohia Lehua flower.

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