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☆ Satellites burning up in our atmosphere may not be as harmless as first thought
▼ + stars: | 2024-03-02 | by ( Marianne Guenot | ) www.businessinsider.com time to read: +9 min

Satellites and spacecraft burning up in our atmosphere are leaving metal particles in the stratosphere — and scientists are worried it could harm our planet. Stratospheric particles can shape the ozone layerRemember the ozone layer? AdvertisementThat, in turn, can spark a chain reaction that creates rainbow-colored polar stratospheric clouds. Polar stratospheric clouds (PSCs) are seen in the sky over Jukkasjarvi, northern Sweden, on December 17, 2023 in Jukkasjarvi, Sweden. "There's an increasing number of rocket launches for small satellites and tourism, which burn kerosene or other fuels that emissions in the atmosphere.

Persons: Daniel Murphy, that's, Roy Rochlin, Murphy, Thomas Parent, Chelsea Thompson, Martin Chipperfield, Chipperfield, It's Organizations: Service, Business, National Oceanic, Administration Chemical Science, NASA, WB, NOAA, University of Leeds Locations: Montreal, Tonga, Sweden, Jukkasjarvi, Alaska, UK

☆ 5 common mistakes employers make that could land their workers fat settlements, according to employment lawyers
▼ + stars: | 2024-03-02 | by ( Natalie Musumeci | ) www.businessinsider.com time to read: +11 min

The outcome could involve hefty settlements that employers are compelled to cough up to employees who brought workplace-related lawsuits against them. "That is easy, easy money" for the employee, Zambrano, who is suing the musicians Lizzo and Ye (formerly known as Kanye West), on behalf of ex-employees, said. Having an under-trained human resources department could pose major legal troubles for a company, added David Gottlieb, a partner at the New York City-based employment law firm, Wigdor LLP. If a case has some merit, employers will "absolutely" offer money to an employee pursuing legal action, continued Zambrano. Misclassifying employees as exempt from overtimeZambrano said that another common issue he encounters is employers misclassifying employees, sometimes in order to save money for the company.

Persons: —, Ron Zambrano, Zambrano, Lizzo, David Gottlieb, Wigdor, Gottlieb, they're, it's, that's, Amazon Tyler Organizations: Service, Business, Trial, Kanye, New, Wigdor LLP, NFL, Employers, Companies, Getty, Employees, Walmart, West Coast, Amazon Locations: California, New York City

☆ 6 ways parents can help siblings get along and reduce fights
▼ + stars: | 2024-03-01 | by ( Nsisong Asanga | Mph | ) www.businessinsider.com time to read: +4 min

Read previewFrom the days of Cain and Abel, it's been clear that not all siblings will be besties. It shocked me to see my middle kid, Kay, who is so warm to her older sister, act catty toward her younger sister over and over again. She is closer in age to her older sister but much older than the younger one. "Where parents' expectations are unclear, the siblings begin to battle to get things right," King said. But when it's excessive, you may need to intervene and help them get closer to each other.

Persons: —, Cain, Abel, it's, Kay, Tracy King, Joanna Silver, Amanda Gummer, King, Silver, Gummer Organizations: Service, Business

☆ Stellan Skarsgård would rather sit for 8 hours naked in the makeup chair than do CGI
▼ + stars: | 2024-03-01 | by ( Jason Guerrasio | ) www.businessinsider.com time to read: +10 min

To play the corpulent evil Baron Vladimir Harkonnen in "Dune: Part Two," the 72-year-old Swede spent eight hours a day in the makeup chair. When it came time to choose between wearing prosthetics or simply doing his scenes with motion-capture dots on his face, Skarsgård opted for hours in the makeup chair. AdvertisementOn doing silly takes with Robin Williams and doing stunts with F1 drivers(L-R) Robin Williams and Stellan Skarsgård in "Good Will Hunting." Is it true Robin Williams pranked you on one take during filming and suddenly started improvising and talking like Jack Nicholson and Robert De Niro? Skarsgård didn't mind that "The Girl with the Dragon Tattoo" director David Fincher wanted "25 takes" for scenes(L-R) Daniel Craig and Stellan Skarsgård in "The Girl with the Dragon Tattoo."

Persons: he's, Baron Vladimir Harkonnen, Swede, Skarsgård, Skarsgard, Skarsgåard, David Fincher, Robin Williams, Stellan, Bitt, You've, Lars von Trier, Helena Bonham Carter, Emily Watson, Lars, Von Trier, Robin Williams pranked, Jack Nicholson, Robert De Niro, Gus Van Sant, Robin, John ] Frankenheimer, Princess Di, Mia, Julia Walters, lala lala, Phyllida Lloyd —, you've, Daniel Craig, Milos Forman, Oppenheimer Organizations: Business, Warner Bros, Pirates, Miramax, Porsche, Sony, Hollywood Locations: Caribbean, Sweden, Stockholm, Helena, London, —

☆ I'm an interior designer. Here are 6 things I'd buy at Ikea and 6 I'd skip.
▼ + stars: | 2024-03-01 | by ( Paynter Rhed | ) www.businessinsider.com time to read: 1 min

I didn't find the bedding at Ikea to be that desirable. In my opinion, most of the bedding I came across didn't feel very soft to the touch. Paynter RhedI wouldn't always generalize a whole department of a store as something I'd skip over but, in my opinion, the bedding at Ikea is not very desirable. I found the sheets, comforters, pillows, and blankets I came across weren't the quality I look for in bedding. Consider purchases like these carefully since you can spend about a quarter of your day in bed.

Persons: Paynter Rhed

AdvertisementNupur Dave thought her decision to retire at age 40 in 2022 was an easy one. But the reality of retiring early turned out quite different. AdvertisementSavings and financial independenceDave on her last day at a financial services company, where there is an early retirement advertisement. Nupur DaveBy retiring at 40, Dave became part of the FIRE — "Financial Independence, Retire Early" — community. Advertisement"The whole idea of FIREing was possible because I'm in India," Dave said.

Persons: Nupur Dave, wasn't, Dave, Dave Dave, FIREing, Jovan Johnson, Gwendolyn Merz, Merz, Michelle Jackson, you've Organizations: FIRE, Google, Independence, BI Locations: Bangalore, India, Atlanta, San Francisco, Illinois, Asia

☆ My son and I traveled 27 hours on Amtrak in a private bedroom and roomettes. The pricey upgrades were worth it.
▼ + stars: | 2024-03-01 | by ( Erika Ebsworth-Goold | ) www.businessinsider.com time to read: +6 min

My 11-year-old son and I traveled nearly 27 hours from Boston to St. Louis via Amtrak. I booked a private bedroom and two roomettes to ensure we'd be comfortable. Our 27-hour train ride wasn't cheap, but I've never regretted the experience we had staying in a bedroom and private roomettes. Erika Ebsworth-GooldThe private bedroom was larger than I'd expected, complete with a full-size sofa, a separate captain-style chair, and an area for luggage. I thought the private bedroom was well worth the price.

Persons: —, Louis, I've, we'd, Erika Ebsworth, I'd Organizations: Amtrak, Service, St, Lake, Texas, Lake Shore, Chicago's, Gateway, Lake Shore Limited Locations: Boston, St, Louis, Lake Shore, Chicago, Albany , New York, Albany, Texas

☆ A thrift store called the cops after someone donated a WWII grenade they'd been using as a paperweight
▼ + stars: | 2024-03-01 | by ( Kwan Wei Kevin Tan | ) www.businessinsider.com time to read: +2 min

A thrift store had a scare after someone donated a hand grenade. AdvertisementA thrift store in Canada had a scare on Monday after staff found a WWII-era hand grenade in their donation bin. CTV News, a local news agency, identified the store as an outlet belonging to the thrift store chain, Value Village. This isn't the first time someone has donated a grenade to a thrift store. In February 2022, the Junction City Police Department said a thrift store in Oregon found a hand grenade inside a box of donated items.

Persons: they'd, —, Vinnie's Organizations: Local, Service, Abbotsford Police Department, CTV, Abbotsford Police, Junction City Police Department, Value, Business Insider Locations: Canada, Abbotsford, Oregon, St

☆ I quit my blue-collar job and grew 2 ecommerce brands to over $1M in revenue. I finally have financial freedom.
▼ + stars: | 2024-03-01 | by ( Perri Ormont Blumberg | ) www.businessinsider.com time to read: +6 min

I commuted two hours a day to a dirty, physical job and felt unfulfilled. E-commerce fit all these requirements, but besides selling digital albums on iTunes, I had zero experience trying to sell anything. I got started on YouTubeOne night, I found a nearly five-hour-long YouTube video tutorial on private-label brands by Dan Vas. AdvertisementI looked for products to sell that had a balance of great sales potential and low competition. Try not to fall victim to shiny object syndromeAt the beginning of my e-commerce journey, I started three other brands that didn't pan out.

Persons: —, Sydney Bencriscutto, Dan Vas, Dad, Robert T, Ryan Stephens Organizations: Service, Business, iTunes, YouTube Locations: Milwaukee

☆ Britain's royal family is a mess, and things are about to get worse
▼ + stars: | 2024-03-01 | by ( Mikhaila Friel | ) www.businessinsider.com time to read: +10 min

But for Britain's royal family, that may be the least of its problems. Meanwhile, Prince Andrew is back in the limelight and Prince Harry's relationship with his brother remains uncertain. AdvertisementAnd things are likely to get worse unless a drastic change is made, according to Royston and Kristen Meinzer, a royal expert and podcast host. Gabriella — second cousin to King Charles — and Kingston tied the knot at St. George's Chapel in Windsor. Prince Andrew and Sarah Ferguson are photographed with members of the royal family before the Thanksgiving Service for King Constantine.

Persons: —, Kate Middleton, Princess of Wales, Prince Andrew, Prince Harry's, Jack Royston, Kristen Meinzer, Charles, Kate, Greece's King Constantine, Sarah Ferguson, Duchess, York, King Charles, weren't, Queen Camilla, Max Mumby, Rishi Sunak, Sunak, Charles III, Jonathan Brady, Harry, Meghan, Royston, Gabriella's, Thomas Kingston, Gabriella —, King Charles —, George's, Karwai Tang, Middleton, hasn't, Meinzer, hyperemesis, Prince William, Prince Louis, Chris Jackson, Kate's, haven't, William —, Andrew, King Constantine of Greece, King Constantine, Andrew Matthews, William, Ferguson, Victoria, Prince, Prince William's, Camilla, Buckingham Organizations: Service, Business, British, BBC, GMA, Kingston, Kensington Palace, Telegraph, Royal, Daily Mail, Netflix Locations: Royston, Buckingham, St, Windsor ., Kensington, Lindo

☆ The $40 martini is in, and it's giving loud luxury
▼ + stars: | 2024-03-01 | by ( Kelsey Vlamis | ) www.businessinsider.com time to read: +4 min

The maximalist martinis encapsulate the "loud luxury." Loud luxury, in contrast to quiet luxury, is about spending a lot and owning it. "Call it loud luxury," she wrote. Loud luxury, in contrast, isn't afraid to show off. It's not necessarily the logo that makes something loud luxury, but anything that stands out and signals "this is expensive."

Persons: —, Boon, Jaya Saxena, Punch —, Kendall Roy, HBO's, Lauren Saria, Punch, Martini Organizations: Service, Ilis Locations: New York, San Francisco, San Francisco and New York, Manhattan, there's, Ilis, Miami

☆ 4 reasons to explore Portland, Oregon, from tax-free shopping to mountain views and an award-winning food scene
▼ + stars: | 2024-03-01 | by ( Sponsor Post | Created Insider Studios With | ) www.businessinsider.com time to read: +5 min

Portland, Oregon, was named one of the best travel destinations in the US by Forbes. Here are four things you'll experience when in Portland that make it well worth a trip — or many. Award-winning food scenePortland's food scene is a true standout, rich in both quantity and quality. Also within Forest Park, visitors who want to mix nature and culture can hike to the Victorian-era Pittock Mansion. Explore the official guide to PortlandThis post was created by Insider Studios with Travel Portland.

Persons: Forbes, Bookworms, —, Louis Vuitton, Gucci, James Beard, Gregory Gourdet, There's, Lan, there's Organizations: Forbes, Nines, Portland Farmers, Portland State University, of, Portland Rose, Insider Studios, Travel Portland Locations: Portland , Oregon, Portland, Powell's, Mount Hood, Chinatown, Oregon Coast, Portland's, Forest Park, Mount Tabor

☆ My family tried 11 of Costco's premade meals, and we'd buy almost all of them again
▼ + stars: | 2024-03-01 | by ( Ted Berg | ) www.businessinsider.com time to read: +1 min

My family reviewed and ranked 11 prepared Kirkland Signature meals from Costco. NEW LOOK Sign up to get the inside scoop on today’s biggest stories in markets, tech, and business — delivered daily. download the app Email address Sign up By clicking “Sign Up”, you accept our Terms of Service and Privacy Policy . So when I saw how many prepared Kirkland Signature meals were available at Costco on my most recent trip, I figured it might be time to see how good they actually are. My family ate and ranked 11 Kirkland Signature meals to see which was the tastiest and easiest to prepare.

Persons: flavorful, —, Kirkland Organizations: Kirkland, Costco, Service Locations: Yukon

☆ How Google lost its way
▼ + stars: | 2024-02-29 | by ( Hugh Langley | Lara O'Reilly | ) www.businessinsider.com time to read: +17 min

Just two months after Google launched Gemini, its flashy new AI model, the company revealed that it had already built a better version. AdvertisementThen, days later, Google scrambled to explain why its image generation tool spit out racially inaccurate depictions of historical figures. Users have long bemoaned — and researchers recently found — a decline in the quality of Google Search results. The fact that Google is not far and away the self-driving-car leader, it's, like, a total joke," the former Google director said, adding that the problem of Google's lost supremacy is "maybe impossible to solve, frankly." Google now is reminiscent of the Steve Ballmer-era Microsoft, which missed the smartphone, search, and cloud waves and was overtaken by Apple, Google, and Amazon.

Persons: OpenAI, Sora, Sam Altman, Sundar Pichai's, Pichai, —, Larry Page, Sergey Brin, Lea Suzuki, Getty Brin, Page, Google, Googlers, Axel Springer, Diane von Furstenberg, Giovanni Giannoni, Michael Avrukin, Vuk Valcic, wouldn't, Patrick Mork, Eric Lehman, Lehman, ChatGPT, Caesar Sengupta, Sengupta, Alexa, Google's, Steve Ballmer, Satya Nadella, Hugh Langley, Lara O'Reilly Organizations: Google, Hollywood, Industry, San Francisco Chronicle, Business, Penske Media, Microsoft, Amazon, The New York Times, Oracle, YouTube, Apple, IBM, Meta Locations: Silicon Valley, Silicon, —

☆ A man was killed by vitamin D supplements he'd been taking for months. A coroner said the risks of taking too much weren't made clear.
▼ + stars: | 2024-02-29 | by ( Kim Schewitz | ) www.businessinsider.com time to read: +3 min

David Mitchener, 89, had been taking vitamin D supplements for at least nine months before he died. Complications related to excess vitamin D and calcium led to him having liver and heart failure. AdvertisementA man who had been taking vitamin D supplements for at least nine months died of a condition linked to excessive levels in the blood. When doctors tested Mitchener's vitamin D levels, the results showed they were at the maximum level recordable by the lab, the report said. For people aged 14 to 70, the recommended daily dose of vitamin D is 15 micrograms or 600 International Units (IU).

Persons: David Mitchener, —, Michener, Jonathan Stevens, Stevens Organizations: Service, National Institutes of Health

☆ 'Survivor' contestants share 17 facts about being on the show that would surprise even the biggest fans
▼ + stars: | 2024-02-29 | by ( Meghan Cook | ) www.businessinsider.com time to read: +16 min

Eight "Survivor" competitors spoke with Business Insider about their time on the show and shared behind-the-scenes secrets that might surprise even the series's biggest fans. The production team has a set of 'identical' replacement clothesLauren-Ashley Beck and Karishma Patel on "Survivor: Island of the Idols." Beck added that she sometimes said things out loud before remembering that they could be aired on national television. Contestants aren't allowed to directly address the camera crewKellee Kim and Lauren-Ashley Beck on "Survivor: Island of the Idols." But Beck added that after spending weeks with the crew, it's hard to not notice certain things about them.

Persons: —, Lauren, Ashley Beck, Beck, Davie Rickenbacker, Rickenbacker, Elaine Stott, Stott, We're, we're, Patel, Karishma Patel, Janet Carbin, aren't, Carbin, castmates, Malcolm Freberg, Carbin's, Kellee Kim, they're, Tyson Apostol, Dean Kowalski, Tom Laidlaw, Chelsea Walker, Robert Voets, Jeff, doesn't, Andrea Boehlke, Boehlke, David, — Nick Wilson, Nick, Goliath, Dan Rengering, I've, she's Organizations: Service, CBS, Business, Getty, YouTube Locations: Philippines, Guatemala, Nicaragua, Cambodia, Fiji, Tribal, Ponderosa

☆ Inside The New York Times' big plans for its Cooking app
▼ + stars: | 2024-02-29 | by ( Lucia Moses | ) www.businessinsider.com time to read: +9 min

She joined the Times in 2007 as a web producer and later helped launch the Cooking app in 2014. Rachel Vanni via The New York TimesWhile many media companies have struggled recently, The New York Times has been a big digital success story. The Cooking app, along with Games, The Athletic, and Wirecutter, have bolstered the company's subscription business by providing different entry points. The "All Access" bundle strategy also lets the Times leverage upticks in demand for different types of content depending on the time of year (such as the winter holidays, which are peak cooking times) or news cycles. Cooking has learned that newer users perceive Times recipes as taking longer than they say.

Persons: foodies, Emily Weinstein, weren't, Rachel Vanni, Camilla Velasquez, Cooking's, Weinstein, Eric Kim, Melissa Clark, Clark, Matthew Tom, Wolverton, Adam Nagourney, Meredith Levien, Los Angeles Times haven't, they're, It's, Wirecutter, Condé, Bon Appétit, Carla Lalli, Molly Baz, Alison Roman, David Lebovitz's Organizations: The New York Times, Times, Business, New York Times, Games, The Athletic, Food, NYT, YouTube, longtime, Journalism, Athletic, Washington Post, Los Angeles Times Locations: America, TikTok

☆ The trader set-up on Target into earnings next week and a lower-cost way to bet on the stock
▼ + stars: | 2024-02-29 | by ( Michael Khouw | ) www.cnbc.com time to read: +5 min

Target reports earnings next Tuesday. Let's review the set-up on Target into the numbers and a lower cost way using options to get long the name. Consequently Target's share price has been much more volatile after reporting quarterly earnings. TGT 6M mountain Target, 6 months Target options prices are, a bit like the prices inside the retailers themselves, more expensive than Walmart's, deservedly given the big moves it's share price has seen. Because the share price needs to rise by almost 5% to see profits, the probability of profit is reduced.

Persons: deservedly Organizations: Walmart, Target, supercenters, Retailing Locations: U.S

☆ Jim Cramer explains why the market rallied on Thursday
▼ + stars: | 2024-02-29 | by ( Julie Coleman | ) www.cnbc.com time to read: +2 min

CNBC's Jim Cramer told investors why he thinks the market was able to rally on Thursday, citing continued momentum in the tech sector and new inflation data suggesting the economy might be amenable to interest rate cuts. The Nasdaq Composite advanced to its first record high since 2021, popping 0.9% as tech and chip stocks saw gains. Salesforce also issued a light forecast on Wednesday night, but the stock managed to recover and finished up about 3% on Thursday, bringing up other tech stocks with it, Cramer said. And a "usually tempered" Citi analyst indicated on Thursday he was bullish on semiconductors, which bodes well for AI stocks, according to Cramer. "Now, there were some laggards today, of course, I get that—there were plenty of safety stocks that weren't so safe," Cramer said.

Persons: CNBC's Jim Cramer, we've, Cramer, Snowflake, Salesforce, Dell, tech's Organizations: Nasdaq, Dow Jones, Citi, Dell

☆ I worked in a call center for Walmart Spark workers. I got reprimanded for giving drivers tips they had earned, and most calls were frustrating and scripted
▼ + stars: | 2024-02-29 | by ( Alex Bitter | ) www.businessinsider.com time to read: +5 min

This as-told-to essay is based on a conversation with Dominique Anderson, a former resolution coordinator in North Carolina who fielded support calls from Walmart Spark drivers. I worked at what they call "Tier 2" for Spark support. There were a few reasons why Spark drivers would call our support line. Some people would also call in about the Spark drivers using multiple accounts. AdvertisementA Walmart spokesperson told BI: "Our driver support agents are invaluable, and they provide tremendous support to drivers on the Spark Driver platform.

Persons: Dominique Anderson, It's, I've Organizations: Service, Walmart, Business Locations: North Carolina, Virginia

☆ A working mother built a $1.3 billion startup inspired by unreliable school buses: It was ‘an aha moment’
▼ + stars: | 2024-02-29 | by ( Tom Huddleston Jr. | ) www.cnbc.com time to read: +5 min

Sometimes, the school bus arrived on time to pick up Ritu Narayan's children. Narayan's solution: She left her job to create Zum, an AI-backed electric school bus service that launched in 2015. It started as something of a self-funded Uber, chauffeuring kids to school with a fleet of vetted private drivers. Instead, the schools offered to enlist Zum as a privatized school bus fleet, with electric vehicles and tracking abilities. Narayan faced a turning point: Stick with her original vision, inspired by her mother, with its clear market and high demand?

Persons: Narayan, —, I'm Organizations: CNBC, eBay, Oracle, Area, Oakland Unified School District Locations: India, California, Washington , Texas , Illinois , Tennessee, Maryland, Silicon Valley

☆ Apple's EV exit shows the challenges of the once red-hot market
▼ + stars: | 2024-02-28 | by ( Dan Defrancesco | ) www.businessinsider.com time to read: +6 min

The ending is abrupt, but Apple's EV ambitions weren't easily realized. AdvertisementNurPhoto/Getty, Tyler Le/BIApple's departure shows how challenging the once red-hot EV market has become. In the long run, Apple's exit could even be spun as a win for the EV market. Less competition is rarely good, but some of Apple's employees could land at rival EV makers, providing a much-needed boost. OpenAI fires back at The New York Times.

Persons: Donald Trump, Nikki Haley, Tyler Le, Aaron Mok, weren't, Elon Musk, That's, Rivian, Spencer Platt, Mislav Matejka, Morgan Stanley's, Ellen Zentner, Zentner, Jamie Dimon, he's, Slaven, Jenny Chang, Rodriguez, Satya Nadella, It's, Reddit, isn't, Wendy's, Dan DeFrancesco, Hallam Bullock, Jordan Parker Erb Organizations: Republican, Apple, Bloomberg, Tesla, EV, Getty, Elon, Google, Microsoft, The New York Times, Times, Paramount, HP Locations: Michigan, China, New York, London

☆ A UPS worker who made $2,600 in one week explains how he did it
▼ + stars: | 2024-02-28 | by ( Jordan Hart | ) www.businessinsider.com time to read: +3 min

Adrian De La Torre, 30, is an Oregon-based package handler (also known as a pre-loader) who earns $21 per hour for the part-time role. De La Torre earned 51 hours of overtime pay just in time for Christmas. But, De La Torre said he "spent months preparing my mind and body" for the long workweeks. AdvertisementThe package handler said he's lost about 65 pounds since starting at the company four years ago. One UPS driver previously went viral online for his $2,400 paycheck, but he only worked 49 hours that week.

Persons: —, Adrian De La Torre, De La Torre, subreddit, he's, bro Organizations: Service, Business, De, BI, Teamsters, UPS Locations: Oregon

☆ When my oldest sister died suddenly, I moved to Houston to help out with my mom's care. I'm glad for this time with her.
▼ + stars: | 2024-02-28 | by ( Sheryl Nance-Nash | ) www.businessinsider.com time to read: +6 min

When my oldest sister died unexpectedly, my other sisters and I had to rethink my mom's care. I moved to Houston, too, to be closer to Mom and help take care of her. When my oldest sister died unexpectedly and tragically in 2020, the world turned upside down, including the plan for who would take care of our mom. My youngest sister Lorie was still in California, but lived a two-hour drive each way from our mom. My other two sisters and I had a decision to makeMe, Lorie, and our middle sister, Kai, who lives in Houston, did a Zoom and discussed what to do next.

Persons: —, Sharon, Lorie, Kai, that's, Houston, I've Organizations: Service, sis Locations: Houston, California, New York, Jamaica, Stanislaus County, Kai, Texas, United States

☆ Home Equity Loan Alternative Could Revolutionize the Housing Market
▼ + stars: | 2024-02-28 | by ( James Rodriguez | ) www.businessinsider.com time to read: +16 min

Like a lot of homeowners, Schummer was keen to convert some of his theoretical wealth into real cash. These kinds of deals, often referred to as home-equity-sharing agreements or home-equity investments, have existed on the fringes of housing finance for decades. The success or failure of home-equity investments could shape the future of homeownership in America. If the home's value has gone up, everyone wins; sell it for a loss, and the investor might share in that downside. "Over time for us, the customer becomes everybody," Eoin Matthews, the chief business officer and a cofounder of Point, told me recently.

Persons: Kennis Schummer, Schummer, Laurie Goodman, Goodman, he'd, Eoin Matthews, —, Hometap, Jim Riccitelli, Riccitelli, Adam Rust, Rust, Rust wasn't, I'm, Jordan Gilberti, Holly Bunting, Mayer Brown, Edwin Remsberg, Matthews, they'd, Jeffrey Glass, Glass, I've, he's Organizations: Consumer, Urban Institute, Federal Reserve, Bain Capital, Palisades Group, Redwood Trust, Getty, Consumer Federation of America Locations: Pensacola , Florida, California, homeownership, America, Connecticut, Maryland, Florida

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