• In the US, it's common for children to leave Santa Claus milk and cookies.
• But this tradition looks different for children around the world.
• In Ireland, some families leave Santa a pint of Guinness.

From the Yule Lads of Iceland to the traditionally green-clad Father Christmas of the UK, the Santa Claus Americans are accustomed to looks a little different throughout the rest of the world, and so do certain Christmas traditions.

While it's common for people around the world to leave their gift-giver a treat for their arrival, the choice of snacks and drinks vary.

Many American children, for example, are known to leave milk, cookies, and the occasional reindeer-friendly snack, such as a carrot, but it's common for kids to leave Santa Claus a stronger drink — like beer or wine — in European countries such as France and Ireland. And for children in Germany, snacks are skipped altogether in favor of handwritten letters.

Whether you're looking to mix up your Santa's snacks or just learn something new this holiday season, here's a peek at how Christmas is celebrated around the world through 12 treats families leave for the man with the bag.

United States

In the US, many children leave out a glass of milk and a plate of cookies for Santa.

Some families also leave carrots and celery for Santa's reindeer.

Australia

Although Australians leave cookies for Santa to snack on, they replace the glass of milk with a cold glass of beer. December is actually summer for Australia, so the beer might be just what Santa needs in the hot weather.

Ireland

Some families in Ireland leave a pint of Guinness for Santa on Christmas Eve.

According to Culture Trip, children usually place the cold beer near the tree to offer Saint Nick a quick pick-me-up for the long night ahead.

UK

Like in Australia and Ireland, children in the UK also leave Santa alcohol.

Families believe Father Christmas needs some sherry to warm up on Christmas night. It's also tradition to pair the sherry with a mince pie.

The Netherlands

In the Netherlands, children often leave carrots and hay to help energize Sinterklaas's horses — yes, horses — on their trip around the world.

In some parts of Europe, like Denmark, Belgium, and the Netherlands, children don't believe Santa's sleigh is pulled by reindeer. Instead, they think he is being pulled by horses, so children leave food for them on Christmas Eve, and sometimes this food is left in their shoes.

Argentina

Rather than leave snacks for Santa, children in Argentina leave out hay and water for the Three Kings' horses. They also leave out their shoes, so their gifts can be placed in them, Ecela Spanish reported.

Children in Argentina usually receive their presents on January 6, Three Kings Day, which honors the day the Three Kings delivered their presents to baby Jesus.

Denmark

Kids in Denmark don't leave anything for Julemanden — the Danish term for Santa — to eat, but they do leave out treats for their nisse, or house elf.

According to Atlas Obscura, the Danish tradition calls for families to leave a bowl of risengrød (rice pudding or sweet porridge) out on Christmas Eve for the house elf.

Sweden

In 2017, then-press officer of the Swedish Embassy in Washington, DC, Kate Reuterswärd told NPR that her family would leave a bowl of risgrynsgröt (rice porridge) outside their door.

"The rice porridge is thickened with milk and flavored with cinnamon and a little salt. Some families add almonds, butter, jam, or molasses, but the traditional version doesn't have to be sweetend," she said.

Some families in Sweden may also leave Jultomte a cup of coffee.

Iceland

Rather than Santa Claus, children in Iceland await the arrival of the 13 Yule Lads, who, beginning on December 12, each bring them a small present, Nordic Visitor reported. In return, families leave out laufabrauð, which translates to leaf bread and tastes like a crispy wafer.

France

In France, children leave Père Noël wine and leave Gui, his donkey, treats like carrots or hay, which is left in their shoes, History.com reported.

Germany

Germans have a Christmas angel, the "Christkind," instead of Santa Claus, and they don't leave any snacks.

Instead, they write the angel letters. Some families mail the letters ahead of the holiday, while others leave them out on Christmas Eve, History.com reported.

Chile

In Chile, children leave pan de pascua, a traditional fruitcake, for Viejito Pascuero, "Old Man Christmas." Some of the fruitcake's key ingredients are dulce de leche, rum, candided fruits, and nuts.

• Trump said the US should take control of Greenland, reigniting an old position of his.
• This came shortly after he also suggested the US could take over the Panama Canal.
• In 2019, Trump said the US should buy Greenland, an idea swiftly rejected by the island and Denmark.

President-elect Donald Trump has resurfaced an old position of his, that the US should take over Greenland, just hours after also threatening to take over the Panama Canal.

Trump wrote on Truth Social on Monday that "for purposes of National Security and Freedom throughout the World, the United States of America feels that the ownership and control of Greenland is an absolute necessity."

He made the comments in a post announcing PayPal cofounder Ken Howery as his choice for US Ambassador to Denmark.

Greenland, the world's largest island, is an autonomous dependent territory of Denmark, which is a US ally and NATO member.

Trump's pronouncement came just hours after he threatened to take control of the Panama Canal, the manmade waterway connecting the Atlantic and Pacific Oceans.

Trump wrote on Truth Social on Monday that "the fees being charged by Panama are ridiculous, especially knowing the extraordinary generosity that has been bestowed to Panama by the US."

He added: "This complete 'rip-off' of our Country will immediately stop."

In a separate post, Trump wrote: "If the principles, both moral and legal, of this magnanimous gesture of giving are not followed, then we will demand that the Panama Canal be returned to us, in full, and without question."

"To the Officials of Panama, please be guided accordingly!" he added.

The US transferred control of the canal to the Panama Canal Authority in 1999, under a treaty signed in 1977 under President Jimmy Carter.

Panama charges fees for each vessel going through the canal, making it an important economic driver for the country.

Greenland, too, has strategic value. In addition to its own natural resources, it has proximity to the Arctic, where countries like Russia are vying to gain resources and control.

Trump expressed an interest in the US buying Greenland in 2019, during his first term in office. Greenland's government quickly rejected the idea, saying that it wasn't for sale.

The offers and details on this page may have updated or changed since the time of publication. See our article on Business Insider for current information.

• The average American expects to spend over $2,000 on holiday costs this season, one survey found.
• Some respondents predicted they would be paying off the debts they accrue into May next year.
• Personal finance guru Dave Ramsey advised saving before the holidays and setting a strict budget.

The most wonderful time of the year often comes with a hefty price tag — and many people expect to be paying for it into next summer.

People's debt balloons "because they don't plan for Christmas, like it sneaks up on them, like they move it or something," personal finance guru Dave Ramsey told "Fox & Friends" last week.

Ramsey's comments were in response to a survey showing that the average American will spend over $2,000 on holiday-related expenses this season, including travel, gifts, food, and clothes.

The survey of 2,000 people was conducted in early November by Talker Research and commissioned by Achieve. A fifth of respondents said they likely wouldn't recover financially until May 2025 or later.

The personal finance guru and host of "The Ramsey Show" described the $2,000 figure as "mindblowing," adding that it was a large sum to spend "all in the name of happiness comes from stuff — and it doesn't."

People can stay out of money trouble by socking away funds each month in preparation for the winter splurge, Ramsey said. They can also avoid overspending by drawing up a budget for gifts and other costs and sticking to it, he added.

"The problem with Christmas is not that we enjoy buying gifts for someone else — that's a wonderful thing," the radio personality said.

"The problem is we impulse our butts off, and we double up what we spend," he continued, pointing the finger at retailers who are "great at putting stuff in front of us that we hadn't planned to buy."

The typical US adult expects to spend $1,012 on gifts alone this holiday season, up from an estimated $975 last year, according to a Gallup survey of at least 1,000 people conducted in November.

Pinched by prices

Household budgets could be squeezed this holiday season. Inflation surged to a 40-year high of over 9% in the summer of 2022 as the cost of food, fuel, housing, and other essentials jumped, and remained above the Federal Reserve's target rate of 2% in November.

The central bank rushed to curb price growth by hiking interest rates from nearly zero to north of 5% within 18 months, sending people's monthly payments for their credit cards, car loans, and other debts skyward. Fed officials have cut rates to roughly 4% since September, but recently indicated they only expect to make two further cuts next year.

The upshot is Americans are likely to face a combination of elevated inflation and steeper rates for a while yet, setting the stage for a costly Christmas.

• As a frequent traveler, I've spent many days in interior staterooms on different cruise lines.
• My interior cabin on the Holland America Line's Rotterdam had a lot of amenities and felt luxurious.
• I love the beds on Princess Cruises ships, but my Norwegian Cruise Line studio was the best value.

As a frequent cruiser, I always book interior cabins. They're often the most economical option, though they aren't identical across cruise lines.

So, I compared my recent interior cabins on Holland America Line's Rotterdam, Norwegian Cruise Line's Getaway, and Princess Cruises' Caribbean Princess.

Here's how the spaces stacked up — and which cruise room I liked best for its excellent value.

One of my interior cabins was on Holland America Line's Rotterdam.

Last December, I sailed on Holland America Line's Rotterdam for a 12-day Panama Canal cruise that cost $849 plus $460 for taxes, fees, and port charges.

My rate included a $25 onboard credit but no gratuities or add-ons like drink packages, specialty dining, WiFi, or excursions.

The above rate was for my half of the cabin, which I booked to share with a friend. Had my original reservation been for one person, I would've paid a higher rate for the same cabin.

The cabin had a decent amount of space, especially compared to ocean-view rooms on the ship.

My 160-square-foot cabin featured two wardrobes, a queen-size bed, a desk, and a minibar.

It was only about 15 square feet smaller than some ocean-view staterooms on the ship, which start at 175 square feet.

The large bathroom was a highlight.

This bathroom is one of the largest ones I've experienced on a cruise.

I liked that it had a walk-in glass shower as big as ones I've seen in nice hotels on land and a ton of storage around the vanity, shower, and toilet.

I had a lot of amenities and basics in my cabin.

The number of in-room amenities was impressive and included a mini refrigerator, safe, makeup mirror, hairdryer, robes, beach towels, and umbrella.

Plus, this cabin had the most electrical outlets I've seen in a cruise room thus far.

Lastly, the cabin had a well-stocked minibar.

The cabin had an expertly-curated minibar area featuring a cabinet with things like red wine, white wine, rocks glasses, and a stainless-steel ice bucket.

Bottles of Mondavi chardonnay, La Marca Prosecco, and premade On the Rocks cocktail were also available for an extra fee.

Overall, my Holland America Line room was classy, and standouts included the well-stocked minibar and massive shower.

My next cabin was on the Norwegian Cruise Line's Getaway.

In February 2023, I sailed alone in a studio cabin on Norwegian Cruise Line's Getaway on a six-day Bermuda cruise for $699 plus $283 for taxes, fees, and port charges.

The rate included free WiFi, an unlimited drink package, one specialty dining meal, and $50 toward a port excursion.

Norwegian's studio suites are designed for solo travelers, so I didn't have to pay the single-traveler supplement most lines charge cruising alone.

If I'd had a travel companion with me and we booked a non-solo interior cabin, the rate per person would've been even cheaper.

The studio felt futuristic and well-designed.

My 100-square-foot studio was packed with thoughtful and stylish futuristic decor, like cushioned wall panels along two sides of the bed back-lit with strip lighting.

I also loved my porthole "window" that could transform the room from pitch black to colorfully lit. Although I couldn't see the ocean out of it, it made the room feel larger and more cheerful than a standard interior cabin.

This was the smallest room of the three on this list, but I felt the space was used well.

The studio was filled with space-saving furnishings and designs.

For example, the handles on the wardrobes' sliding doors doubled as towel racks.

The bathroom didn't offer much privacy, but I didn't mind.

As this room is designed for solo travelers, the shower isn't separated by a door — it's just across from the bed.

The all-glass tiled shower and separate stall with a toilet felt tiny but manageable.

Lastly, I loved the perks that came with the studio.

My room came with attractive perks like access to a private lounge for cruisers in studios.

Plus, my hallway was also only accessible by keycard for other people staying in studios, which made me feel extra safe as a solo traveler.

Overall, I found my interior Norwegian Cruise Line studio to be convenient, cozy, and stylish.

I also spent 16 days in an interior cabin on the Caribbean Princess.

In August 2023, I stayed in an interior room on Princess Cruises' Caribbean Princess on a 16-day sailing to Canada, New England, and Greenland for $1,863 plus $270 for taxes, fees, and port charges.

I sailed with another traveler in this interior stateroom, so this was for my half of the cabin and based on double occupancy.

This rate didn't include gratuities or add-ons like drink packages, specialty dining, WiFi, or excursions.

The room didn't feel particularly special, but it was very comfy.

My 162-square-foot cabin had one large closet, a desk, and a queen-size bed.

The highlight was its famous Princess Luxury Bed, a comfy medium-firm mattress with a plush 2-inch-thick pillow top. It's the most comfortable bed I've ever slept on while cruising.

I enjoyed the many in-room entertainment options.

I forgot to photograph it, but the cabin's compact bathroom felt nice and standard compared to others I've had on cruises.

The ship's touchless technology made it easy for me to unlock the stateroom door and request services.

Plus, the in-room entertainment was superior to what I've had on other cruise lines. I could watch movies or live satellite television or listen to music and audiobooks that were preloaded on the TV.

Overall, I found my cabin to be comfortable and quiet, with tons of options for entertainment.

If I had to pick a winner, I'd say my studio on the Norwegian Cruise Line felt like the best bang for my buck.

Holland America Line had the most luxurious furnishings and impeccable service, and Princess Cruises had the most comfortable bed and the best in-room entertainment.

For me, though, the all-around pricing and perks of Norwegian Cruise Line's stylish interior studios can't be beaten.

It was the smallest room I stayed in, but it had nearly the same furnishings and amenities as competitors' cabins. Plus, as a frequent solo traveler, the lounge access, added security, and lack of supplemental fee is music to my ears.

Still, I was happy with my cabins on Holland American Line and Princess Cruises — and I'd love to see both lines offer studios in the future.

• This summer, multiple controversies surrounding 'It Ends with Us' overshadowed the film's press tour.
• Fans criticized Blake Lively's promotion methods and speculated her and costar Justin Baldoni had fallen out.
• Four months later, Lively filed a sexual harassment complaint against Baldoni.

The "It Ends With Us" press tour this summer was overshadowed by rumor and speculation.

Ahead of the film's release in August, fans suspected lead star Blake Lively and her costar and director, Justin Baldoni, were feuding. Fans blamed Lively without know what cause their apparent falling out, and criticized her on social media.

The film survived the backlash, becoming one of the biggest hit movies of the summer, grossing $350 million worldwide.

Over the weekend, Lively filed a legal complaint against Baldoni.

Here's everything we know about the situation.

Baldoni did not interact with other cast members at press events.

Fans suspected that something was amiss when Baldoni and Lively didn't interact during the press tour, despite playing partners in the film.

Lively teamed up with costars Brandon Sklenar and Isabela Ferrer for press events and with Colleen Hoover, the author of the book the film is based on, for interviews and TV spots. Meanwhile, Baldoni did a lot of solo press.

Even when they both attended the New York premiere on August 6, they were not photographed together.

Lively posed with her castmates, Hoover, her husband Ryan Reynolds, and Hugh Jackman, his "Deadpool & Wolverine" costar. Meanwhile, Baldoni was only photographed with his wife and some of the other producers who worked on the film.

While speaking to Entertainment Tonight on the carpet at the New York premiere, Baldoni explained why he was stepping back from the limelight.

"This isn't my night — this is a night for all the women who we made this movie for," he said." This is a night for Blake, this is a night for Colleen. I'm just so grateful that we're here, five years in the making."

Regardless of his comments, fans theorized about the potential drama between the two on social media.

This speculation intensified after a user on the r/ColleenHoover subreddit posted on August 6 that Lively and Hoover do not follow Baldoni on Instagram. Fans also noticed that the film's other stars, including Sklenar, Ferrer, and Jenny Slate, did not follow Baldoni either.

Business Insider could not verify whether they previously followed him.

For his part, Baldoni followed all of them except Hoover.

Fans wondered if the apparent beef was one-sided or if Baldoni was at the center of a wider fracture, especially since, during pre-production, Hoover and Baldoni appeared on each other's Instagram feeds multiple times.

Adding to this theory was a clip of Slate seemingly sidestepping a question about Baldoni at the movie's New York premiere. Asked about having Baldoni as both a scene partner and a director, she responded by not mentioning Baldoni and instead speaking about how "intense" it must be to do both jobs.

News reports fueled the speculation.

The Hollywood Reporter reported on August 8, citing unnamed sources, that the feud on set originated when two movie cuts emerged during the postproduction process.

Multiple sources told the outlet that Lively commissioned one of the cuts to be done by "Deadpool & Wolverine" editor Shane Reid. He was the same editor Lively previously used when she directed the music video for Taylor Swift's "I Bet You Think About Me."

However, the film's final cut was credited to editors Oona Flaherty and Robb Sullivan.

It's unclear if Reid's cut was used in the film version that showed in theaters, but according to one source who spoke to THR, the team agreed on the final cut.

A day later, Page Six reported, citing an anonymous source, that the two talents didn't see eye-to-eye while shooting the movie. Page Six reported that one source said Baldoni made Lively feel "uncomfortable" about her postpartum body during filming. Another source said Baldoni created an "extremely difficult" environment for the entire cast.

"It's not just Blake. None of the cast enjoyed working with Justin," the source was quoted as stating. "They certainly didn't talk to him at the premiere."

On August 13, People reported that a source close to the set said, "All is not what it seems," and the principal cast and Hoover didn't want anything to do with Baldoni.

Fans turn on Lively.

Though reports indicated that the cast had a problem with Baldoni, fans blamed Lively for the feud, accusing her of trying to take over the film.

This theory was supported by Baldoni and Lively's interviews in the lead-up to the movie's premiere.

On August 9, Baldoni told Today that Lively and Reynolds, who was not a producer on the film, contributed significantly to it.

"You can't summarize Blake's contribution in a sentence, because her energy and imprint is all over the movie and really, really made the film better, and from beginning to end," Baldoni said.

Baldoni also said he struggled to balance allowing collaboration and having his voice drowned out entirely.

He said: "You don't have to listen to everybody, and that didn't happen all the time, but there were just moments where I would get out of the way too much."

Baldoni also said that Lively should take over as director for the sequel to the "It Ends With Us" novel, "It Starts with Us."

Meanwhile, Lively told E! News on August 7 that Reynolds helped pen the opening scene of "It Ends With Us."

The film's screenwriter Christy Hal told People a day later that she wasn't aware that Reynolds had written some of the dialogue used in the final version of the script.

"When I saw a cut, I was like, 'Oh, that's cute. That must have been a cute improvised thing,'" Hall said. "So if I'm being told that Ryan wrote that, then great, how wonderful."

The film is about a florist whose husband becomes abusive, and Fans also criticized Lively for speaking about the film's romantic elements during the press tour, and less about the domestic abuse plot. This was in line with the film's marketing.

Baldoni was the only cast member who consistently spoke about the domestic abuse element.

Baldoni recruited a PR crisis manager who represented Johnny Depp during his trial with ex-wife Amber Heard.

The Hollywood Reporter reported on August 13 that the actor hired veteran PR crisis manager Melissa Nathan, who represented Johnny Depp during the Amber Heard trial in 2022.

Nathan launched her agency in 2024, specializing in crisis communications and reputation management.

A clip of Lively acting hostile toward a reporter in a 2016 interview resurfaced amid the 'It Ends With Us' drama

Journalist Kjersti Flaa released a clip of an interview with Blake Lively on August 10, titled "The Blake Lively interview that made me want to quit my job."

"It actually took me a while to get over the experience," Flaa told Business Insider in an email on August 19.

"Every time I entered a room after this I got nervous that something similar might happen again," she wrote.

Lively's costar put out a statement asking people to stop focusing on 'what may or may not have happened.'

Sklenar, who plays Lively's other love interest in "It Ends With Us," spoke out about the speculation in an Instagram post on August 20.

"I wanted to take a minute and address all this stuff swirling online," he wrote, going on to condemn people for "vilifying" women who were part of the film.

"Colleen and the women of this cast stand for hope, perseverance, and for women choosing a better life for themselves. Vilifying the women who put so much of their heart and soul into making this film because they believe so strongly in its message seems counterproductive and detracts from what this film is about," he said.

"This film is meant to inspire. It's meant to validate and recognize," Sklenar added. "It is not meant to once again, make women the 'bad guy,' let's move beyond that together."

Representatives for Baldoni, Lively, Reynolds, Hoover, and Sklenar did not respond to requests for comment from Business Insider.

Lively files a complaint against Baldoni, accusing him of sexual harassment.

On December 20, Lively filed a legal complaint against Baldoni, accusing him of sexual harassment, retaliation, breach of contract, inflicting "emotional distress," and conspiring to damage her public reputation.

The complaint also named Wayfarer Studios, Baldoni's production company, and Jamey Heath, the company's CEO, as two of the 11 defendants in the lawsuit.

In the lawsuit, Lively said an "all-hands" meeting about Baldoni and Heath's behavior on set was held in January 2023. She accused him of showing her nude videos and images of women, improvising kissing scenes or intimate scenes, and entering her trailer while she was naked.

Lively said she held the meeting for all the female cast members and requested an intimacy coordinator to be hired.

Lively said Heath and Baldoni retaliated against her by orchestrating a "multi-tiered" plan to "destroy" her public reputation and stop her or anyone else from speaking out about what happened on set.

Lively said Baldoni hired the crisis PR, Nathan, and a Texas-based contractor named Jed Wallace, both defendants in the lawsuit, ahead of the film's premiere to carry out this plan. She said it involved feeding theories on social media to shift the narrative against Lively.

She also claims in the lawsuit that the cast agreed to a marketing plan created by the film's distributor, Sony Pictures Entertainment, to avoid talking about the sad parts of the movie, which Baldoni broke away from.

"What the public did not know was that Mr. Baldoni and his team did so to explain why many of the Film's cast and crew had unfollowed Mr. Baldoni on social media and were not appearing with him in public," the complaint said.

Baldoni's attorney said Lively blamed Baldoni to fix her reputation.

Bryan Freedman, an attorney for Baldoni and Wayfarer Studios, told BI in a statement: "It is shameful that Ms. Lively and her representatives would make such serious and categorically false accusations against Mr. Baldoni, Wayfarer Studios and its representatives, as yet another desperate attempt to 'fix' her negative reputation, which was garnered from her own remarks and actions during the campaign for the film; interviews and press activities that were observed publicly, in real time and unedited, which allowed for the internet to generate their own views and opinions."

Freedman said Nathan was hired because Lively made multiple demands and threatened not to show up to set or promote the film if they were not met.

A representative for Lively referred BI to a statement shared with The New York Times on Saturday: "I hope that my legal action helps pull back the curtain on these sinister retaliatory tactics to harm people who speak up about misconduct and helps protect others who may be targeted."

Lively's costars from 2005's "The Sisterhood of the Traveling Pants" — America Ferrera, Amber Tamblyn, and Alexis Bledel — and Hoover have shared statements in support of Lively after she made the complaint.

• The CDC randomly inspects and scores cruise ships to prevent the spread of stomach viruses.
• The average score of vessels in 2024 is 95.9 out of 100 — 85 or less is considered failing.
• The nine dirtiest ships scored between 86 to 89. Two others failed but passed in later reviews.

A "B" is considered a passing grade on most exams.

For cruise ships, scoring an 85 out of 100 on the Centers for Disease Control and Prevention's Vessel Sanitation Program review is considered a failure.

In 2024, the CDC reported 13 bacterial and viral outbreaks on ships. Most incidents were of norovirus, a highly contagious bug that quickly spreads through tainted food, water, surfaces, or people.

Best not to be a victim. Its main symptoms — vomiting, diarrhea, nausea, and stomach pain — can quickly ruin a vacation.

To mitigate these outbreaks, the CDC conducts random and unannounced sanitary inspections on cruise ships. The public health agency then scores the vessel from zero to 100, with outcomes of 85 or lower considered inadequate.

The review includes checking common spaces like pools and children's activity centers. Obvious issues like vermin and improperly stored food will cost points. As will subtler problems, such as buffet handwashing stations with lights less than 110 lux and produce stickers left where cleaned cooking equipment is stored.

The CDC has performed 151 inspections in 2024, including repeat inspections on 23 ships. The average score is about 95.9. 27 vessels achieved perfect marks, while two failed but later passed in later reviews.

Nine vessels didn't break into the 90s range, including Ritz-Carlton Yacht Collection's ultra-luxury Evrima:

1. Hanseatic Inspiration — Hapag-Lloyd Cruises, scored 89 (inspected October 28, previously received a 62 on September 29)
2. Carnival Elation — Carnival Cruise Line, scored 89 (inspected March 14)
3. Adventure of the Seas — Royal Caribbean International, scored 89 (inspected January 23)
4. National Geographic Sea Bird — Lindblad Expeditions, scored 88 (inspected July 25)
5. Carnival Miracle — Carnival Cruise Line, scored 88 (inspected April 21)
6. MSC Magnifica — MSC Cruises, scored 86 (inspected May 17)
7. Evrima — Ritz-Carlton Yacht Collection, scored 86 (inspected February 9)
8. Carnival Breeze — Carnival Cruise Line, scored 86 (inspected March 21)
9. Caribbean Princess — Princess Cruises, scored 86 (inspected March 20)

Crystal Serenity received an 89 on February 2 but was bumped to a 90 seven months later. Similarly, Margaritaville at Sea Paradise received a failing score of 83 on May 1 but passed a subsequent inspection with a 92 on July 2.

What the cruise lines have said

A spokesperson for Hapag-Lloyd told Business Insider that Hanseatic Inspiration's initial lower score was a "very unfortunate incident" that didn't reflect the company's operational standards. "We have been consistently meeting strict hygiene requirements worldwide for many years with exemplary results," they said.

Following the inspection, the cruise line addressed the ship's "operational aspects" to meet its quality standards, as showcased in the vessel's follow-up passing score in October.

The spokesperson said lingering issues are "being addressed and will be completed in a timely manner," and the company will continue to improve its "quality management processes" particularly with regard to the requirements of the CDC."

Similarly, a spokesperson for MSC Cruises told BI in October it had implemented an "improvement plan" on MSC Magnifica according to the CDC inspector's suggestions. Many of the changes were immediate and only needed "minor" efforts, it said. The cruise line said that it believes Magnifica's score "is not a true reflection of the ship as it is today" and would "welcome any future inspection."

MSC noted that many of its ships frequently achieve above 90, including the MSC Meraviglia and MSC Seashore, which both received perfect marks in 2024.

Carnival, Royal Caribbean, Lindblad Expeditions, the Ritz-Carlton Yacht Collection, and Princess Cruises didn't respond to a request for comment.

• Gary Binkow was an Emmy award-winning and Academy Award-nominated movie producer.
• He left his multimillion-dollar career in Hollywood to pursue a new job in the longevity industry.
• Gary now makes less than he did working in Hollywood but says he's happier and wouldn't go back.

This as-told-to essay is based on a conversation with Gary Binkow, a former Hollywood producer who gave up his multimillion-dollar career to start a new business in the longevity industry. It has been edited for length and clarity.

I got into the movie business because my one talent as a kid was that I was really good at watching TV and movies — I mean, I just inhaled everything I could.

The way my brain works is that I would watch TV shows and movies and try to unravel what it was about them that moved me and how the storytelling worked. And so then, when I found out you can go major in movie-making, I decided to do that. I went to Columbia University and majored in film because, frankly, I thought it would be easy. I'm always looking for the path of least resistance.

I started working for MTV in New York in 1980 and, after moving to California, worked my way up from an assistant working at 20th Century Fox to a development executive, then eventually a producer, mainly based at Miramax Films.

I had a long career in Hollywood. I made about 30 films on the independent side and had a successful run at Miramax. At the top of my career, I produced a movie called Finding Neverland, which came out in 2004, won a bunch of awards, and got nominated for several Oscars.

Even though I had been successful, I still found my creative ideas blocked by industry gatekeepers like Harvey Weinstein, who repeatedly passed on them even though they'd made millions with other studios.

I decided I didn't want to be in a system where I couldn't control my own destiny and realized I was really an entrepreneur. When you make 30 independent movies, you are essentially building 30 independent companies. So, I decided to use those skills to start my own company in 2005, Collective Digital Studios, a new media company offering services like content production, brand management, and distribution.

Everybody in the movie business told me I was an idiot and crazy for leaving. But in the early 2000s — the early days of internet virality — we worked with content creators and comedians like Logan Paul and King Bach before they'd made it big and created a massive platform leveraging their expertise in hooking audiences with short video clips. As we expanded, we helped Katt Williams license his iconic comedy special, "The Pimp Chronicles," to HBO in 2006 and produced thousands of YouTube videos, driving strong profits — but something felt like it was missing.

I decided I'd rather do something more powerful. I was good at helping people connect with audiences and telling better stories, but I wanted to do it with a purpose and a mission. So I left. In 2019, we sold the company, which is now known as Studio71, for a healthy exit to ProSieben, and I decided I wanted to use the same skill set in health and wellness.

So, my partner and I moved out of Los Angeles and onto an organic avocado farm in the beach town of Carpinteria, California. We've been working to rehabilitate it, and in 2020, I started The Swell Score, a membership-based online marketplace for holistic and clean supplements and other household products.

I've been interested in holistic health for my whole life. I'm always looking for more natural ways to stay healthy and out of the sick care system. But there is a lot of misinformation and skepticism in the wellness space — and I understand that because I'm just as skeptical. So, at The Swell Score, we partner with medical experts to review wellness and beauty products and work with customers to teach them how to improve their health and live longer, happier lives.

The Longevity Lab, which I opened in October in Carpinteria, is an expansion of that. It's a retail space where you can buy these products and see the difference for yourself. We offer everything from non-toxic mattresses and housewares to wellness supplements, beauty products, and bath items.

So far, the wellness space has been good to me — it's not nine figures good yet, but I have no interest in going back to Hollywood; the movie-making business is totally broken. I plan to keep building in this industry, and people have been really responsive. I think part of that is because I took some of the tactics of storytelling and brand building that I learned from the other company and applied them to health and wellness.

Now, when I get asked to advise people and help them hone their business stories and strategies, the one thing I tell anybody who's getting started is that I would think of yourself as a media company first, not a product company. You know, with just one video, you could create your billion-dollar business.

• As a sommelier, there are a few red wines I like to keep on hand for the holiday season.
• Sparkling reds can add a special touch to a festive gathering or big dinner.
• Cesanese and teroldego are some of my favorite Italian reds.

When I started my career in the wine industry over 15 years ago, I drank red wines I didn't enjoy just because I thought they were high quality.

Turns out I couldn't train myself to like them. Luckily, however, I eventually found a few reds that always seem to please me and any guests I'm hosting.

Here are some of the red wines I've been buying lately as a sommelier.

I live near Rome, so cesanese is plentiful.

Cesanese del Piglio is the first DOCG of Lazio, the region where Rome is located. This means it's been rated one of the highest-quality Italian wines.

The beautiful wine grape grows in the foothills of the Apennines Mountains.

Cesanese has aromas of cherry, sweet spices, roses, and often black pepper. The tannins are pretty light, too, so bottles don't have to age long to be enjoyed.

It pairs best with fresh pasta dishes, heavy meat sauces, and seasonal porcini mushrooms.

Zinfandel has a whole new image.

When most people think of zinfandel, they picture the pink-hued boxes of white zinfandel from the '80s and '90s.

This hasn't given it the best reputation among wine drinkers and professionals.

However, winemakers in California have started to reimagine zinfendel. They're making gorgeous, robust reds from the old white-zin vines.

These are well-constructed, spicy wines with lots of dark berry aromas. They're often labeled "jammy," so if you like a fruit-forward bottle, this is for you.

Teroldego reminds me of summer, even in the dead of winter.

I go to the Dolomites in the Italian Alps every summer to eat and drink the region's best food and wine.

Nothing tops a well-made glass of teroldego for me. When I open a bottle back at home near Rome, I'm immediately transported to those alpine summers. Think wild berries, pine needles, freshly turned earth, cut grass, mountain streams, and medicinal herbs.

The flavor is complex and bright, and it's perfect to pair with the region's heavier cuisine, such as polenta with chanterelle mushrooms, knödel, and fondue.

I always have a case in my cellar.

This is your sign to try some sparkling reds.

Sparkling reds aren't as well known as their white counterparts, but they are the perfect pizza wine. I like to keep some on hand for more casual dinners and gatherings.

One of the most famous sparkling reds is Lambrusco from Emilia Romagna. However, winemakers worldwide are producing delicious, naturally sparkling reds in the pet-nat style.

The best ones are made from high-acidity red-wine grapes. Look for sparkling shiraz, dry Lambrusco, Gamay-based vin du bugey, and my personal favorite, barbera frizzante. It's made from the barbera grape and is known for its high acidity and food friendliness.

Saperavi is one of the oldest domesticated red grapes.

Saperavi, originating in the country of Georgia, is one of the oldest known domesticated red grapes in the world. Today, you can find bottles from Georgia, Ukraine, Moldova, Australia, and even the Finger Lakes in New York.

These wines look almost black because they contain high levels of anthocyanins (water-soluble pigments).

The wine is often complex, with aromas of cassis, blackberries, spice, earthiness, cherries, leather, and licorice. A bold glass of saperavi is great on its own, but it also pairs well with lamb or game dishes and cheese-based sauces.

Rosé is popular for a reason.

Today's rosé wines go beyond the blush-pink bottles of yesteryear. I love that they can give you the flavors of beloved red-wine grapes without the heaviness.

I lean toward deep-hued rosés made from grapes like grenache, Sangiovese, teroldego, and even cabernet sauvignon. Italians also have a long history of producing darker rosato wines such as Cerasuolo d'Abruzzo and Cerasuolo di Vittoria.

If you can't decide between red and white next time you're hosting, this is a great compromise.

• Silicon Valley tech firms are reportedly looking to unite to win more defense contracts.
• Palantir and Anduril have held talks with a dozen companies to form the group, the FT reported.
• Companies that could participate include Sam Altman's OpenAI and Elon Musk's SpaceX.

Defense tech firms Palantir and Anduril are in talks with Elon Musk's SpaceX, Sam Altman's OpenAI, and others to form a new group in Silicon Valley to bid for Washington's lucrative defense contracts, according to a new report.

Palantir and Anduril, some of Silicon Valley's most notable defense companies, have held discussions with around a dozen firms to create a group that can take a larger share of the US government's roughly $850 billion defense budget, the Financial Times reported Sunday.

The group, which could announce strategic partnerships next month, would seek to bring Silicon Valley-style disruption to an industry dominated by so-called "prime" contractors, such as Lockheed Martin and Raytheon.

Musk, who is leading a newly formed Department of Government Efficiency under the direction of President-elect Donald Trump, used X last month to criticize Lockheed Martin's crewed F-35 fighter jets. He has previously advocated for autonomous drones.

"We are working together to provide a new generation of defense contractors," one person close to the group told the Financial Times. Others involved in the group include A16z–backed startup Saronic and AI data firm Scale AI, the report said. The consortium could announce agreements with some tech firms as soon as January, the report said.

The move to form a group involving rival firms would mark one of the most coordinated efforts in Silicon Valley yet to edge further into the defense sector and shake-up a system that tech leaders have criticized for being too slow to adopt new technologies.

Palantir, cofounded in 2003 by Silicon Valley billionaire Peter Thiel, has previously won several government contracts. In May, the Pentagon awarded the firm a $480 million contract to use its data analytics platform on Project Maven, an AI tool for analyzing battlefield data.

Discussing his new book in a conversation with investor Stanley Druckenmiller at JPMorgan's Asset Managers CEO Forum this month, Palantir CEO Alex Karp argued that Silicon Valley needs to work more closely with the US government.

Defense startup Anduril, founded by Palmer Luckey — the tech mogul who founded and sold virtual reality startup Oculus to Meta — has also won contracts for its autonomous and air defense systems.

Palantir, Anduril, SpaceX, Saronic, Scale AI, and OpenAI did not immediately respond to BI's request for comment outside regular working hours.

• Javier Milei, the Argentine leader who has inspired Elon Musk, says he plans to cut how many taxes there are.
• He said he was planning to "eliminate 90% of taxes — not revenue, but the number of taxes."
• Musk and Vivek Ramaswamy, co-heads of DOGE, are looking to radically trim the US federal government.

Argentina's President Javier Milei says he will reform the Argentine tax system to have no more than 6 taxes.

In a clip from an interview with Forbes Argentina, published on Sunday, Milei said: "We'll advance privatization, deepen labor reforms, and eliminate 90% of taxes — not revenue, but the number of taxes — moving to a simplified system with no more than six taxes at most."

It would be the latest sweeping move by a firebrand president who has inspired members of the incoming Trump administration.

Since taking power on December 10, 2023, Milei has presided over sweeping cuts. He fired tens of thousands of public employees, shut down half the country's 18 ministries, and reduced state spending by an estimated 31% in his first 10 months alone — making good on his pledge to take a "chainsaw" to the state.

Milei's actions caught the attention of Elon Musk and Vivek Ramaswamy, the men now charged with a similar task under President-elect Donald Trump.

Last month, Musk said Argentina had made "impressive progress,'" while Ramaswamy said that the US needed "Milei-style cuts on steroids."

In the interview, Milei said his administration had only accomplished the "first step" of its plan, and that what was coming next was the "deep chainsaw."

"It is not only a question of deregulating and removing these obstacles, but it also implies a new reform of the state to make it even smaller," he said.

Milei added that his administration has so far only implemented a quarter of the reforms it wants to pursue.

Argentina's latest economic figures suggest the country may be turning a corner after struggling economically.

Argentina's inflation dropped from 25.5% in December 2023 to 2.4% in November 2024. However, unemployment rose to 6.9% in Q3, from 5.7% in the same period last year.

Economic activity, meanwhile, grew 3.9% in Q3, compared to Q2.

According to BBVA projections, Argentina will achieve a fiscal balance in 2024 for the first time in 15 years. It also said that it expects Argentina's GDP to rebound strongly next year, from a 3.8% deficit in 2024 to 5.5% in 2025, driven by investments and private consumption.

However, Facundo Nejamkis, director of Opina Argentina, a political consultancy firm, told Reuters this month that Milei's cuts had ignited a "major" recession, and according to Argentina's statistics agency, the country's poverty rate rose to 52.9% in the first half of 2024, the highest rate in 30 years.

Speaking at an event at Argentina's Chamber of Commerce and Services last month, Milei said the recession was "over," after the country had gone through "a difficult period of effort and pain."

And in an episode of the Lex Fridman podcast last month, Milei advised Musk and Ramaswamy to go "all the way" in cutting US federal spending.

Reacting to Milei's latest interview on X, where he talked about eliminating the taxes, Musk wrote one word: "Impressive."

• I love the holiday season, but there are some things about it that stress me out.
• In the past, I've found myself doing too much and saying "yes" to too many things.
• This year, I'm approaching the season differently so I can enjoy it.

I love visiting with family and friends, gift-giving, and all that comes with the holiday season. Most years, though, as this time of year approaches, I'm filled with a sense of contradiction: excitement for what's ahead and an unavoidable subtle sense of dread.

As a mom for over 13 years now, I've finally pinpointed exactly the problem. I've been in the habit of saying, "Sure," "Yes," "I'll be there," or "I can help" too many times during the season, even if I didn't have the time or energy. It's left me frustrated, hurried, stressed, and downright exhausted.

I started by creating boundaries around travel

The first time I vowed to seek more rest for myself during the holidays was 13 years ago. After several hours of travel and multiple stops to visit family, all with a newborn in tow, I knew the pace could not be kept. I will never forget the trauma of trying to find a quiet place to nurse my baby amid the chaos of family members I barely knew.

Little by little, each year, I've pulled back on our Christmas Day travel. This might be the biggest and happiest change I've implemented for myself and my family. I'm saying "no" to hours of travel time this year, and we're staying home for Christmas.

Miraculously, grandparents and family members have all been understanding. In fact, many of them lamented the same issues with travel on Christmas Day and are choosing to stay home, too. The good news is my door is open, and if anyone wants to see me or my immediate family on Christmas Day, they'll know exactly where to find us.

But still, over the years — even as I've created more boundaries around travel — I've gotten in the habit of doing too much, and it's affected my ability to enjoy the holiday season.

This year, I'm doing less cooking and baking, too

Last year, and for most years in the past, my husband would volunteer to cook the turkey for my side of the family for the Thanksgiving meal. But this year, we said we couldn't. We'd already planned a road trip for my son's birthday, so the time we had to spend on a homemade dish was significantly shorter.

We simply didn't have the time to fry a large turkey and encouraged my family to have someone else cook it. My mom ordered one, and it was just as juicy as any home-cooked bird. It lightened the load, and I vowed to keep the momentum going.

Leading up to Christmas Day last year, kind neighbors dropped off homemade items on our doorstep. We adore our neighbors, and the homemade goodies were a delight each time we opened the door. But each time I discovered a homebaked treat, I felt pressure to make or bake my own gift to reciprocate the kind gesture.

In a panic, I whipped up some last-minute treats and hauled them to each neighbor's home. I love to cook, but there wasn't much joy in the process under the pressure. Looking back, I realize there was a better way, so I'm handling it differently this year. I now see that my neighbors actually don't expect a gift in return, let alone something homemade. So, to split the difference, I'm purchasing my favorite brand of store-bought shortbread cookies, plopping a bow on top, and wishing them all my merriment without baking anything.

I'm also pulling back when it comes to volunteering at my sons' schools

Volunteering at my sons' schools has always been a page from the same story. As with many parents, in years past, there's been the tug for me to attend the holiday sing-along, organize the holiday party snacks, or brainstorm and collect materials for a festive craft.

While I do love attending and being involved at my sons' schools, the issue is that with work, appointments, and my own holiday goals of reading more and sitting by a fire more often this year, I'm just not raising my hand first to head it all up. Instead, I've opted to send in supplies or choose the events I truly enjoy being at. My sons are older now, and I'm resting easy knowing they're more concerned with the football game at recess than the reindeer craft they created during the holiday party.

While my desire to do it all came from good intentions and expectations from myself and others, I didn't want the stress I had felt in the past by giving too during past holiday seasons. I realize now I do have a choice in the matter.

I'm saying "no" more than ever in an effort to protect my time and my family's time, and I'm enjoying more that makes me happy: fireside reading time, a cup of coffee with extra whipped cream, and the twinkle of the lights on my own Christmas tree this year.

• 28-year-old Aamanh Sehdev was named a McKinsey partner this December.
• After joining as a summer intern, he's climbed the ranks in just seven years.
• Sehdev spoke to BI about how he heard the news and what helped him progress at McKinsey.

Aamanh Sehdev had spent a week in early December trying to distract himself by seeing friends and playing padel.

He'd been an associate partner for two of his seven-year career at McKinsey and knew there was a chance he'd be promoted to partner.

But there was a low number of elections this year, so he thought it was fifty-fifty.

The news usually arrives at the end of the week. But at around 8:30 p.m. on Wednesday, Sehdev received a call at home. It was from Tunde Olanrewaju, managing partner of McKinsey's UK, Ireland, and Israel offices.

"The nerves were kicking in, but he got straight to the point," Sehdev told Business Insider.

"Hey, it's great news. Welcome to the partnership. We're really excited to have you on board," Sehdev recalled Olanrewaju telling him. "I said thanks, but in a slightly higher pitch voice than I typically have."

Sehdev is one of around 200 McKinsey employees promoted to partner this December. Amid a slowdown in demand for consulting services, this year's cohort is one of the firm's smallest in recent years.

The promotion elevates him to one of the most senior positions you can reach in a major consulting firm. Partnerships are participatory, giving individuals a say in the direction of the firm. Those promoted to equity partners receive a share of the annual profits.

On McKinsey's website, partners are described as "not only meeting McKinsey's high bar for exceptional leadership, but they are also dedicated to finding solutions to some of the world's most pressing challenges."

At 28, Sehdev is one of the youngest in the cohort. He spoke to BI about what it was like to receive the news and what it takes to make partner.

'Enjoy the moment'

Although his call with Olanrewaju lasted only a few minutes, Sehdev spent the next hour and a half on the phone with sponsors and mentors.

"Obviously, there was a lot of excitement, a lot of congratulations, and a bit of a common thread of 'let it sink in, don't rush into the next thing, enjoy the moment,'" he said.

He also called his mother and brother that evening. His parents didn't go to university, so it was a major milestone for the family. "They were super proud and excited," he said. "They've obviously been pretty key in shaping my journey."

But the following morning, it was into the office to carry on as usual and keep the news a secret from his colleagues until McKinsey's formal announcement a week and a half later.

Sehdev said he was still digesting the achievement. In the new year, he's taking a 17-day trip to Australia to "carve out a little bit of time to think about it a bit more formulaically."

His first focus is to switch off and get some sun, he added.

Becoming a partner is notoriously difficult and competitive. It's the ultimate goal for many consultants starting their careers.

Not for Sehdev.

When he began studying mechanical engineering at London's Imperial College, Sehdev had never heard of McKinsey.

"It was something that people around me were talking about alongside banking," he told BI. "I turned up to a career fair, it was interesting, and I applied for the internship."

For the first half of his career, Sehdev said he was doing "a bit of a random walk" through a whole host of sectors and different functions. It helped him find the right home at the firm — he now works on a combination of private capital and McKinsey's telecommunications (TMT) practice.

Sehdev acknowledged that seven years was a fast ascent up the ranks, but said that meritocracy was one of McKinsey's benefits.

"What McKinsey has a tendency to do is when you get comfortable, they take you to the next role or level, and then you get uncomfortable again. That snowballed for me over the last seven years."

Sehdev said three reasons he was selected as a partner came through in his evaluation.

First, he always has a focused strategy for what he's doing and what he wants to do next at the firm. Second, he showed entrepreneurship and originality, particularly when it came to creating novel ways to work with the smaller software businesses he concentrates on. Lastly, he invested time with the teams and created a positive, energizing atmosphere.

There's an element of luck involved in it as well, he added, saying he was fortunate to have met managers early on who would stay late in the evenings to teach him.

No matter how good you are, working at a top consultancy can be intense. Sehdev said he carves out time to exercise, spend time with family, and protect his weekends. He doesn't expect that to change now he's a partner.

"My mindset has always been, look, I'll set a really high bar, but I'll not let the micro-events or little things take away too much energy. That's made me better at my job."

• I'm a mom of two and share custody with my ex-husband.
• I prepare gifts early and focus on self-care when they are not with me.
• As they get older, they still want to do holiday things with me, which makes me happy.

I remember the last Christmas as a family. There was the star on the tree, presents wrapped for the kids, and eggnog in the fridge, all while I was fending fights with my now ex-husband.

When I signed a lease on an apartment a couple of months later, I left behind the Christmas tree, the stockings, the nutcrackers, and every ornament.

I bought a new tree and ordered Christmas stockings, new ornaments, and some decorations as a fresh start after the divorce. That first Christmas as a single mom, I wanted to get my kids something special and playful. The snow globes I purchased are engraved with the year everything changed in our lives, four years ago.

It's hard not having them every year

As a divorced mom, I'll admit it isn't easy to accept that I won't see my kids every Christmas morning anymore. I've had my kids two Christmas mornings since our family split. I'm overjoyed this year my kids are with me again. I feel immense happiness knowing my kids will wake up at my home and dash to the tree at the crack of dawn instead of when they arrive mid-morning after being with their dad first.

There's always a little grief when I wake up on Christmas morning, and my kids aren't here. The waiting is excruciating for me. The divorce decree states that spending time with the kids for Christmas is split between even and odd years.

Navigating holidays as a divorced parent can feel stressful, and what's helped is keeping traditions going, even if it means doing it myself. The first Christmas when it was just me and the kids, the reason I didn't fall into depression was because the kids and I put up the tree early together, we went to see the holiday lights at the zoo, and watched "The Polar Express," the Elf on the shelf carried on, and holiday songs were on repeat at my home.

The festivities showed my kids that the magic of Christmas is alive at my home. I assured them that the holiday would be a joyous time, even though the family dynamic changed.

I prepare early for the years they are not with me

I've learned to prepare early for gifts. I start talking to my kids about their wish lists before Halloween, and by then, I know the weeks we have together will fly by before it's Christmas morning. I focus on the gifts my kids want most because I don't know what will be under their dad's tree.

When my kids are with their dad for Christmas morning, I've learned to focus on self-care to shield myself from sadness. I plan a morning of tenderness: dunking cookies in my fresh coffee, putting on a face mask, journaling, and making a phone call to my mom to hear her cheerful voice. I look at photos on my phone and reminisce about memories with my kids from the year before. I focus on my positive energy and the good ways that life has changed.

I remember my son adding the soccer ball ornament to the tree and my daughter adding the snowman she made in first grade. As my kids get older, to my delight, they still want to do the holiday traditions just the same. We are going to see the zoo lights again, and they are tilting the snow globes back and forth to make it snow, just like they did four years ago.

• Holiday scams are rising. Phishing and smishing attacks are targeting online shoppers.
• Scammers exploit the busy holiday season, using fake delivery messages to steal data.
• Law enforcement also warns of porch pirates.

Law enforcement and security professionals are warning of increased scam activity this holiday season.

Most holiday scams are phishing scams that can be found year-round, though scammers will theme their fraud to fit the season. An example could be a fake social media ad for a holiday product that sends you to a scam website or an email saying that a package you ordered for a Christmas gift is delayed and needs your approval.

"Remember, don't click on anything unknown, even if you just ordered gifts and you're expecting packages to come to your door soon," IRS Commissioner Danny Werfel said in a release. "Double-check before you click."

One of the most popular frauds this holiday season is a "smishing" scam involving text messages from people who claim to be the United States Postal Service, Melanie McGovern, the director of public relations at the Better Business Bureau, told Business Insider. The text message might say a package you ordered is delayed and include a link to a fake website that the scammers use to steal personal information.

"The biggest thing for people to remember is if they have opted into text reminders," McGovern said. "You have to opt in to receive any kind of text message from a retailer. Keeping track of what you ordered and where, how it's being delivered, is really important."

Scammers target the holiday season because it's a time when people are "super busy" buying gifts for loved ones, McGovern said. It can be easy to fall for a phishing scam during this time of the year, McGovern said, because of the commotion around holiday shopping.

"They're panicking, you know," McGovern said. "We're a week from Christmas, and they're like, 'Oh no, my package is being held up. It's something for my child. You're naturally going to go into panic mode."

One method to spot a phishing scam is to look at where the text or email is coming from, McGovern said. The USPS says it only uses "5-digit short codes" to send and receive text messages to and from mobile phones. One example of a fake scam text claiming to be from the USPS reviewed by Business Insider shows a +63 area code, which originates in the Philippines.

"They're phishing," McGovern said. "I got one the other day for my health insurance, and it looked like it was coming from your health insurance, until I looked at the address and realized it."

The most important thing to do if you think you are being scammed is to stop, pause, and look for warning signs, McGovern said. If you feel like something is off, there's a chance that it probably is.

Law enforcement agencies have also reported a rise in "porch pirate" activity, where thieves will steal a package delivered to someone's front porch. North Carolina Attorney General John Stein said in a holiday scam warning that it's important to track packages and make sure that you are home when they are delivered.

You can also set the delivery address to a neighbor's house who is home during the day, send the package to your workplace, or ask the post office to hold your mail and collect the deliveries there, Stein said.

• Deloitte UK has had a year of reorganization and cost-cutting amid a consulting slowdown.
• It is planning to cut staff travel and expenses by 50% for the rest of the financial year, the FT reported.
• The cuts to spending were short-term, a senior exec said in internal messaging.

The Big Four consulting firm Deloitte wants to cut its spending on staff travel and expenses by more than 50% in the UK, where it is headquartered.

In an email sent to partners and directors in October, Deloitte said the "firmwide cost management measures" were being introduced because of "challenging market conditions" in the UK, the Financial Times reported.

Deloitte reportedly said it was only aiming to maintain the cost cuts until the end of its current financial year in May and described the reduction in spending as "limited" and "temporary."

The email was sent by Sarah Humphreys, chief operating officer of the tax and legal division. Humphreys said Deloitte was also reviewing its "recruitment agency costs, licence fees, bad debts and global recharges," the FT reported.

The cost-saving efforts come after a year of reorganization and redundancies at Deloitte, as the firm grapples with an industry-wide slowdown in demand for consulting services that has hit revenue growth.

Deloitte's global consulting revenues grew by 1.9% in the 2024 financial year ending 31 May. The previous year, they grew by 19.1%.

"Like many organisations, we are looking carefully at our costs to ensure we're able to meet clients' needs while continuing to make investments in our firm and our people," Deloitte said in a statement shared with Business Insider Monday.

The downturn comes after many consultancies hired aggressively during the pandemic.

In March, Deloitte carried out a global overhaul of its operations aimed at cutting costs and repositioning it for future success. It simplified its core offering from five to four categories: audit and assurance, tax and legal strategy, risk and transactions, and technology and transformation.

It has also held several rounds of layoffs in the UK, where it has around 25,000 employees. In internal messages seen by Business Insider, Deloitte said layoffs of around 180 staff in September were "necessary to enable us to navigate the remainder of a challenging FY25."

The firm has also cut UK partner's pay to save on costs, leaving the most senior class of employees with roughly £50,000 ($63,000) less than the previous year — a 4.5% decline. UK partners still took home an average of around £1 million ($1.2 million) for the fourth year running.

Do you work at Deloitte? Contact this reporter in confidence to share your thoughts on the industry at [email protected]

• Recently, I visited London for the first time, armed with a list of touristy things I wanted to do.
• From eating in Borough Market to seeing Big Ben, I did so many quintessentially London things.
• I have no regrets about spending my three days in the Big Smoke in total tourist mode.

I'm a frequent traveler, but until recently, I'd never been to London. The Big Smoke has long been on my bucket list, so I planned a solo visit full of touristy activities like visiting Big Ben and touring the London Tower Bridge. While I wished my family could have gone along, my husband is often unable to take time off work and my teenagers have busy schedules of their own. I knew it would be a while before I could visit if I didn't take a solo trip.

Armed with a list of things I wanted to do, like visit a London pub and shop for quilted jackets in Notting Hill, I booked a flight and hotel and started packing. Here's what it was like to play tourist in London for three days, and why I have no regrets.

I went to London for the first time with a list of touristy things I wanted to do

While I knew I'd be doing touristy activities like snapping photos in a red telephone booth and riding a double-decker bus, I tried to balance the trip with some off-the-beaten-path things, too. I made a rule that I wouldn't eat at chain restaurants, and instead of booking pricey tours, I'd walk the city on my own and really dig into exploring everything I wanted to see.

I stayed in London's Stratford neighborhood because it was within walking distance of a major tube station and near Queen Elizabeth Olympic Park, home of the 2012 Summer Games. In fact, I spent my entire first day in London exploring the Olympic Park, grabbing lunch inside, and checking out the Olympic-sized swimming pools used during the Games, along with other structures.

I had Indian food on Brick Lane, saw Big Ben, and went to Notting Hill for shopping

Indian food is my all-time favorite cuisine, and when I told friends I was going to London, each of them said I had to try the Indian food there. "Curry in the UK hits different," said one. And they were right. I spent my first evening on Brick Lane, home to many curry restaurants, and it was pretty empowering to wander out to dinner in a new city on my own and explore a bit.

I had other things on my London to-do list, too, like seeing Big Ben, shopping in Notting Hill, and eating the TikTok-famous chocolate-covered strawberries from Borough Market. Going into the trip with a list helped, and I was glad I'd done my research in advance.

Yes, British pubs are as much fun as they sound, even if you're sober

I haven't had any alcohol for the last year, but British pubs are such a fabled part of the culture in London that I knew I had to check a few out. To my surprise, pubs in the UK had just as many alcohol-free beer options as bars in the US. I could walk in, order a booze-less beer, and feel right at home while checking out the scene.

And yes, British pubs are as much fun as they sound. I loved watching everyone gather in beer gardens, cheers'ing with their friends, and laughing. There were live bands at some, and DJs at others. All of the pubs were thriving, full of life, and just as much a part of the culture as they sound in all the chick-lit I've read. Sober or not, seeing something I've heard about my entire life was very cool.

I spent time sightseeing and have zero regrets about behaving like a total tourist

I toured London's Tower Bridge, took photos in front of Big Ben, and visited Shakespeare's Globe Theater. Yes, much of what I saw in London was touristy, and I'm OK with that. As someone who woke up early with her mom to watch Princess Diana's funeral and grew up hearing about the Royal Family and their lives, it was surreal to see so many places I'd only ever seen on a news broadcast or movie screen.

I felt the most out of my element when I attended an evening show of Abba Voyage, an AI-generated Abba concert that makes the band members appear as if they are much younger and actually performing onstage. The show was an incredible and unique experience, but I realized I was not nearly as much of an Abba fan as the locals when I was among a crowd of young women, dressed up in sequins and belting out the words to "Mama Mia" with gusto.

I can't wait to go back and cross more things off my bucket list

I'm so glad I took the time to spend a few days in London, and touristy or not, my itinerary was truly the stuff my dreams were made of. With some online research, I created a full list of must-see items for my trip before I went, and I did it all. But there's so much more I want to see.

London is such a bustling city, and while I think I got a lot done for a first-time visit, I cannot wait to go back and do more. Next time, I hope to take my family along, and because I've spent so much time checking out parts of the city, I'm excited that I'll be able to play tour guide when they do visit.

• Aaron Goldsmid, head of product at Deel, has previously worked for Facebook, Amazon, and Twitter.
• Early in his career, Goldsmid said he over-indexed on emulating senior leaders.
• He also said he focused more on hitting OKRs than investing in relationships.

This as-told-to essay is based on a transcribed conversation with Aaron Goldsmid, a 44-year-old from San Francisco about mistakes he made early in his career. Business Insider verified his previous employment at Microsoft, Facebook, Twitter, and Amazon with documentation. The following has been edited for length and clarity.

I had a somewhat atypical journey into tech. My parents were Broadway performers, and I was the first person in my family to go to college.

I became interested in computer science in high school and broke into tech straight after studying computer science at Columbia.

Through the college recruiting process, I got a job at Microsoft in 2002 and spent nearly six years there, largely working in the security space.

During the 2010s, I held tech roles at Amazon from 2011 to 2012, Facebook from 2012 to 2014, and Twitter from 2014 to 2015, as well as working at several smaller companies.

I've been fortunate to work at some of the most iconic tech companies during interesting periods. I've taken tools from each opportunity and now apply them to my current job as the head of product for Deel, a payroll and HR platform.

Because my parents didn't have 9-to-5s, I sometimes struggled to determine how to succeed in the corporate world. I didn't have anyone telling me about things like checking boxes to get to the next level in my career and how frictional relationships can impact the workplace.

Now that I have two decades of career experience under my belt, I understand how to avoid some of the mistakes I made early on and plan a career more intentionally.

Mistake 1: Thinking one job ahead instead of two

When I informally coach folks about careers, I usually advise them to think two jobs ahead.

Instead of thinking about what you dislike about your current job and whether your next role will solve that, think two jobs ahead. I tell early career techies to ask themselves how their next role will get them to the role after that.

After leaving Microsoft, I moved from Seattle back to New York, where I grew up. I wanted to secure a job in the city, and because the tech scene wasn't as mature in New York in the early 2000s, I took a role at NBCUniversal, helping build their video streaming service.

I did good work in that role, but I'm not sure it necessarily advanced my career. I then joined a startup because they gave me a very fancy title, but I ended up leaving before completing one year because I felt there were problems at the company, and I realized I'd chased a title instead of thinking things through.

As I advanced in my career, I knew I needed to focus on the skills I needed to acquire rather than the prestige of a position.

When I joined Kiva, a microfinance nonprofit, in 2018, I didn't view it as a permanent job. I took the job to gain skills outside a product and engineering capacity.

During my time there, I learned about business development and communicated with UN officials and central bank leaders. Not only did I get to experience the challenges faced by other teams, but I also got to know different contours of the product, business, and customer experience.

When I moved into my next role, a general manager at the communications company Twilio, I had a broader scope of experience and could operate more effectively.

You can accelerate quickly into a senior role, but taking a less fancy role and diversifying your experience might mean your upside long-term is much higher. If you're thinking two jobs ahead, evaluate what opportunities will help you more in the long run. It's a marathon, not a sprint.

Mistake 2: Not investing in relationships

Early in my career, because I didn't know how corporations worked, it was easy to think that everyone in a company was aligned and felt the same way, which is foolish.

When I worked at Twitter on their growth team, my job was to play in other people's sandboxes and tweak things. The company was having a difficult growth time, and we had to be hyper-focused on hitting our OKRs. This sometimes came at the detriment of my team's relationship with the rest of the product engineering org.

We had to step into other team's territories and move quickly. I felt I needed to hit a goal at all costs, and the problem was "at all costs." We often weren't on the same page as that team and had to go back and repair relationships afterward. In hindsight, I needed to do a better job of explaining why we were doing something from the outset.

Not everyone is trying to achieve a company's mission in the same way, and so by investing in relationships, you can more clearly communicate how you align with others in a company. Even if they don't align with you, they'll respect your process.

Mistake 3: Over-emulating senior leaders

Early in my career, I didn't have a role model in the corporate environment, so I questioned what "good" looked like and how I should show up.

Folks who are early in their career will often look at people who they think are successful and think, "I want to be just like them."

But sometimes, early-career workers have a hard time distinguishing the reasons for a person's success from their bad habits. They might not know things that the company has been willing to work around or that hold that person back.

Early in my career, I over-indexed on emulating senior leaders. For example, I'd see some of them making sweeping statements like "This is the future, or, this isn't the future." They can get away with that because they've proven themselves, but I'd do the same, and it would fall on deaf ears. I hadn't yet earned that level of credibility and still needed to "show my work" before I earned that trust.

As a senior leader at Deel, I'm very conscious about how I present myself to early career folks. In larger meetings, I remind myself that there will be people on the call who view my role through a limited set of interactions. I don't want to pass on any bad behavior or shortcomings for them to emulate.

Do you have a career story you want to share with Business Insider? Email [email protected]

• Homeowners are increasingly being dropped by their private home insurers.
• Regions with the highest nonrenewal rates are most prone to wildfires, hurricanes, and other disasters.
• A new Senate report warns of economic risks as climate change destabilizes insurance markets.

Homeowners across the country are increasingly facing a stark new reality: they're losing their home insurance.

The share of home insurance policies from large insurers that weren't renewed increased last year in 46 states, a report released Wednesday by the Senate Budget Committee found. The increasing frequency and intensity of disasters like wildfires, hurricanes, and flooding and the rising cost of rebuilding have pushed many insurers to drop customers or hike premiums. This has left thousands of homeowners scrambling to find new insurance policies or joining the growing ranks of those going without insurance.

More than 200 counties saw their non-renewal rates spike threefold between 2018 and 2023. Counties in Northern California and South Florida saw among the highest rates of nonrenewals. Coastal counties in Massachusetts, Mississippi, and North Carolina also saw dropped policies soar. Manhattan ranks 20th, with rates of dropped policies rising from 1.25% in 2018 to 4.11% in 2023.

The national scale of home insurance nonrenewals was previously unknown because insurance companies are regulated at the state level. The National Association of Insurance Commissioners said not all states collect granular data about the availability and affordability of coverage in some areas. The association in March announced an effort with state insurance regulators to try to fill the gap.

Senate Budget Committee Chairman Sheldon Whitehouse launched his own investigation into the homeowners' insurance market last year. He received nonrenewal data from 23 companies accounting for about two-thirds of the market. In testimony on Wednesday, Whitehouse said he demanded nonrenewal data because experts suggested policies being dropped were an early warning sign of market destabilization. He also said they correlated with higher premiums.

The American Property Casualty Insurance Association, a lobbying group representing insurance companies, said nonrenewal data doesn't provide "relevant information" on climate risks. Many factors, including a state's litigation and regulatory environment, factor into nonrenewal decisions, the association said.

The association added that more costly weather disasters, combined with inflation and overbuilding in climate-risk regions, are making insurance less affordable for many Americans.

Home insurance premiums are rising in many regions across the country. The National Bureau of Economic Research recently reported that average home insurance premiums spiked by 13%, adjusted for inflation, between 2020 and 2023.

Most mortgage lenders require homeowners to purchase insurance, and some require additional insurance for specific disasters, including flooding. Insurers refusing to offer coverage can hurt home values because homes that can't be insured in the private market are less desirable to potential buyers.

The Senate Budget report warned that the insurance crisis will get worse as the climate crisis fuels more frequent and destructive disasters, including hurricanes, wildfires, and flooding. A destabilized insurance market could "trigger cascading economy-wide financial upheaval," the report said.

"The failure to deal with climate change isn't just driving up the cost of homeowners' insurance, it's making it harder for families to even find homeowners' insurance, and that makes it harder to get a mortgage," Whitehouse said in a statement to Business Insider. "When the pool of buyers is limited to only those who can pay cash, it cuts off pathways to homeownership—particularly for first-time homebuyers—and risks cascading into a crash in property values that trashes the entire economy."

Have you been dropped by your home insurance company or are you facing a steep premium increase? Email these reporters to share your story: [email protected] and [email protected].

• You've heard of generative AI, but agentic AI might sound a little less familiar.
• Major industry players are working on AI agents for what some say marks the third wave of AI.
• But what exactly is agentic AI? Here's a quick rundown of the tech everyone's talking about.

Generative AI has been the talk of tech for a while now, but tune into your favorite business podcast and you'll probably hear a different phrase tossed around: "agentic" AI.

So what's the difference?

The two are closely related. You couldn't have agentic AI without generative AI. Definitions vary, but in general, agentic AI refers to AI technology that's capable of performing agent-like behavior that can autonomously accomplish complex tasks on your behalf.

Companies working on AI agents say they are intended to one day be digital coworkers or assistants to human workers in fields spanning from healthcare and supply chain management to cybersecurity and customer service.

Here's how some Big Tech companies explain the concept:

• Nvidia's definition says agentic AI "uses sophisticated reasoning and iterative planning to autonomously solve complex, multi-step problems."
• IBM says agentic AI is a system or program with "agency" that can "make decisions, take actions, solve complex problems and interact with external environments beyond the data upon which the system's machine learning (ML) models were trained."
• Microsoft says AI agents "range from simple chatbots, to copilots, to advanced AI assistants in the form of digital or robotic systems that can run complex workflows autonomously."

Some leaders in the field say agents are ushering in a new frontier in AI.

"In just a few years, we've already witnessed three generations of A.I.," Salesforce CEO Marc Benioff told The New York Times earlier this month. "First came predictive models that analyze data. Next came generative A.I., driven by deep-learning models like ChatGPT. Now, we are experiencing a third wave — one defined by intelligent agents that can autonomously handle complex tasks."

Salesforce, which launched its Agentforce suite earlier this year, has said it plans to have more than 1 billion AI agents in use for companies by the end of next year.

Google CEO Sundar Pichai recently said the company has been "investing in developing more agentic models" over the last year. (He defined agentic AI as being able to "understand more about the world around you, think multiple steps ahead, and take action on your behalf, with your supervision.") The company made agentic AI a major focus of its Gemini 2.0 launch this month.

OpenAI plans to launch an AI agent code-named "Operator" in January that would be able to use a computer on a person's behalf to do things like write code or book flights, Bloomberg reported last month, citing two people familiar with the matter.

The company previewed its latest AI model, o3, on Friday as the final announcement of its 12 days of "Shipmas" campaign.

• Prospinity allows college students to share in their success through income-share agreements.
• Just a year old, the startup already has hundreds of Ivy League students using its product.
• Prospinity raised $2 million to expand to new universities in a deal led by Slow Ventures.

When they were freshmen at Yale, Aarya Agarwal and his roommate, Samvel Antonyan, struck a handshake deal.

If either of them ever started a company that went supernova, they would sign away 10% of their income to the other.

"We shook hands, and at the moment, it was a bit of a joke," Agarwal said. "But we realized the deal actually made a lot of economic sense. It was a way to multiply by two times our chances of doing something super improbable."

Now, their startup, Prospinity, allows college students to enter into similar contracts. Through its platform, smart young people can join "success pools" of other smart young people who put a few percentage points of their annual income into a shared pot. Each year, the pot gets distributed evenly among the group. The idea is that if one of them becomes the next Mark Zuckerberg or Bill Gates, they will all succeed.

Just a year old, Prospinity is already used by students at Yale, MIT, Princeton, and Harvard, with job offers at firms like Blackstone, Bridgewater, and Amazon. Now, Prospinity has raised $2 million in a round led by Slow Ventures managing director Kevin Colleran to reach more students beyond the Ivy League.

Prospinity and Slow Ventures declined to comment on the valuation. Patrick Chung, a managing partner at Xfund and an investor in Sam Altman's first company, Loopt, also joined the round.

Slow Ventures has explored income sharing as an investment strategy before. It set aside $20 million from recent funds to buy equity in influencers, taking a percentage of their future profits for a set amount of time in exchange for upfront capital. Regulatory filings show Slow is now raising $275 million across two new funds, which Fortune first reported.

How Prospinity works

When Prospinity rolls out to a new university, it researches the student body and selects a handful of high achievers to create or join a success pool. They can hop onto Prospinity, check out the profiles of existing members, and filter by university or industry. Prospinity is now recruiting students from the University of California, Berkeley, to join the platform.

Prospinity says the contracts are legally binding and can ensure everyone pays their fair share over the agreement's term, typically 10 years. Pool members can also set a minimum income; if someone's earnings fall below the threshold, they're excluded from that year's distribution. Prospinity takes a 5% distribution cut in exchange for providing the technical and legal infrastructure to execute the contract.

While the company's hundreds of members are mostly still in school, they can start collecting distributions as other pool members contribute.

Agarwal, who studied computer science and economics at Yale before he dropped out to focus on Prospinity, said the company's premise is loosely based on the power law, a principle in venture capital that describes how a small number of investments often create the majority of returns, while the rest either break even or fail.

"As markets get more efficient, you're going to see more and more of these distributions where a few people make it big, and then everyone else tends to be left behind," Agarwal said. "I think success pools are going to be a very important way to hedge against that sort of uncertainty."

The company's founders, Agarwal and Antonyan along with Andrea Zanon and Andrea De Berardinis, belong to a larger success pool that agreed to share 2% of their income over a 10-year horizon.

Prospinity rolls out to more students

Hassaan Qadir, a Yale senior who took a semester off to start a company developing software for biology researchers, joined a Prospinity pool. He later folded the startup and accepted an internship at AppLovin, a Palo Alto company that provides marketing services to mobile app developers. Qadir plans to start another tech company someday and said being part of an income-sharing agreement with other founders gives him more chances of hitting the entrepreneurial jackpot.

Law school students, finance associates, and aspiring entrepreneurs compose his success pool of about 30 members.

"Theoretically, someone that you know is going to become really successful," Qadir said. "It's not totally up to who works the hardest."

Aron Ravin, another member of that same Prospinity pool, hopes to capture some potential upsides of being an entrepreneur as he climbs the corporate ladder. He joined that Prospinity pod during his senior year at Yale and now works as an associate at a prominent hedge fund. Ravin stands to make good money in finance, although he said he may not hit the jackpot as someone starting the next Uber or Palantir might.

Ravin declined to share how much of his income he's contributing to the pool but said it's between 1% and 5%. At a Prospinity mixer in New Haven, Connecticut, he mingled with some international students working on a sustainability venture, which got him thinking.

"It's a little promiscuous of me," Ravin said, "but maybe I'll join another pool in the future. Share the love."