• Donald Trump said that Mark Zuckerberg may have taken notice of his threats.
• The president-elect previously threatened to jail the Meta CEO for life.
• Zuckerberg announced Tuesday that his company will no longer partner with third-party fact-checkers.

President-elect Donald Trump on Tuesday praised Meta CEO Mark Zuckerberg for changing how it moderates political content on its three major social media platforms.

Trump, who previously threatened Zuckerberg with life in prison, said his comments might have led to the announcement.

"Probably," Trump said when asked if Zuckerberg is "directly responding to the threats you've made to him in the past."

Zuckerberg and Trump once had a frosty relationship, but both sides appear to be warming up.

"Honestly, I think they have come a long way, Meta, Facebook" Trump told reporters during a wide-ranging news conference.

Zuckerberg made the major shift on Tuesday, announcing that his company will no longer partner with third-party fact-checkers and will relax moderation policies on topics like gender and immigration.

"We've reached a point where it's just too many mistakes and too much censorship," Zuckerberg said in a video posted on Facebook. "The recent elections also feel like a cultural tipping point toward once again prioritizing speech. So we are going to get back to our roots, focus on reducing mistakes, simplifying our policies, and restoring free expression on our platforms."

Joel Kaplan, recently promoted to lead Meta's global policy team, outlined the announcement during an interview on "Fox and Friends," Fox News' morning show that Trump has long watched.

"There is a real opportunity here, with President Trump coming into office, with his commitment to free expression, for us to get back to those values," Kaplan said.

Trump said he saw Kaplan's comments and called the former Bush White House official "very impressive."

Zuckerberg recently dined at Trump's Mar-a-Lago club, part of a larger wave of tech CEOs hoping to reset relations with the incoming administration. Meta is also donating $1 million to Trump's inauguration.

Zuckerberg and Trump haven't always gotten along.

Trump's first administration and several states teamed up in 2020 on a major antitrust lawsuit against Facebook. In 2021, Trump, then-a former president, sued Facebook and other platforms for banning him in the wake of the January 6, 2021 Capitol riot. Trump and his allies have also been highly critical of Zuckerberg and Priscilla Chan's charitable giving ahead of the 2020 election to help local election officials deal with the COVID-19 pandemic.

"We are watching him closely," Trump wrote in his book earlier this year in a section about Zuckerberg," and if he does anything illegal this time he will spend the rest of his life in prison — as will others who cheat in the 2024 Presidential Election."

Before the presidential election, Zuckerberg announced he would not make any donations to election officials again, and he called Trump a "badass" after the president-elect survived an assassination attempt in July.

A representative for Meta didn't immediately respond to Business Insider's request for comment.

• The Netflix docuseries "Jerry Springer: Fights, Camera, Action" premiered on Tuesday.
• It explores the controversial rise of Springer's daytime talk show, which gained fame for its brawls.
• Former producers describe manipulative tactics they used to get guests riled up and ready to fight.

The unruly guests on "The Jerry Springer Show" were not professional actors — but their infamous brawls were encouraged and teased out behind the scenes, producers say.

Netflix's new two-part documentary, "Jerry Springer: Fights, Camera, Action," unpacks the show's outrageous premise and its rise to the top of daytime TV ratings in the late '90s. It features several interviews with former producers, who describe the tactics they used to recruit real people with real problems and coax them into having emotional meltdowns on air.

"Just like any other manipulative situation, you need to instinctually pull out of them those points of tension that create a soap opera," Melinda Chait Mele, a producer who'd been hired from the tabloid world, says in the doc.

"A lot of the guests were earnest. They literally did think they were coming on to solve a problem. You wouldn't believe how many people said to me on the telephone, 'I can't wait to meet Jerry. I really hope he can help me with this,'" Mele tells the camera. "Jerry didn't help anybody with any of it. He just stood there and did his thing."

As the show was gaining popularity and producers were under more pressure to orchestrate shock and awe, Mele hired Toby Yoshimura, a former bartender with no talk show experience. He proved exceptionally skilled at convincing people to publicly air their grievances.

"These are small-town folk, right? And you're really trying to sell it to them, like, 'You've got this great story. We want to give people an opportunity to see that,'" Yoshimura explains. "In order for them to deliver, they have to like you. So you treat them like they're kings."

Yoshimura says producers would send limousines to ferry guests to and from the airport. A "Jerry Springer" guest identified as Melanie says they were also supplied with plenty of alcohol.

"They did everything in their power to get us as crazy as possible," Melanie says. "They were like, 'Go hog wild! Have fun!' And so we got wasted." By the time she arrived on set the following morning, Melanie says she was hungover, sleep-deprived, and "ready to fuck it up." Meanwhile, producers were with her backstage, coaching her on "what to say and how to act."

Yoshimura describes the environment as a "pressure cooker" and admits that some stories went too far. (Some of the show's most controversial episodes include "I'm Pregnant By My Brother" and "I Married a Horse.")

"You had to reach into their brain and tap on the thing that would make them laugh, cry, scream, or fight. You rev 'em up to tornado level, and then you send 'em out onstage," Yoshimura says, adding later, "This was basically the Stanford Prison Experiment, in that you were playing with people's psyches until you get a result."

This methodology was designed to generate higher ratings, which spiked after an episode that saw a member of the Jewish Defense League start a fistfight with members of the Ku Klux Klan.

"It was brilliant. And it rated through the roof," says Richard Dominick, the executive producer for "Jerry Springer" who's widely credited as the show's mastermind. "If you're producing a show that you want to be insane, and unlike anything that's ever been on TV before, there's your goal. That's what you want."

From that point onward, producers were instructed to pursue on-camera confrontations — and for a while, Dominick's method got results. In 1998, Springer even beat out Oprah Winfrey in the ratings for the most-watched daytime talk show, a feat that producers previously thought was impossible.

"There was no question: Jerry and Richard were on top of the world. I mean, the riches that it gave them, and the fame, were very compelling," says Robert Feder, a longtime media critic who worked for the Chicago Sun-Times during the "Jerry Springer" era.

"But what did they have to do in order to achieve it?" Feder continues. "The degree to which Jerry sold himself out, and the degree to which he was complicit with Richard in exploiting the people who came on the show, is something that had serious consequences."

"The Jerry Springer Show" ran for 27 seasons before it was canceled in 2018; Springer died of pancreatic cancer in 2023. In the final years of his life, Springer disavowed his own show and publicly apologized for the role he played, declaring, "What have I done? I've ruined the culture."

"I look at some of the stuff that's being done now, and I go, 'We're kind of responsible for this crap,'" Dominick says in the doc, which pairs the quote with clips from "Keeping Up With the Kardashians," "The Real Housewives of New Jersey," and "The Apprentice." He adds: "Maybe I am gonna go to hell."

However, Yoshimura suggests the show's success reflects just as negatively on viewers — including any viewers of the Netflix doc today — as it does on hosts, creators, and producers.

"Look at the history of the show. A guy punches a girl in the face, it gets huge ratings. We put a girl without clothes on the show, everybody loses their mind," he explains. "All you guys wanna talk about is all that shit."

"But, you know, we're the problem," he adds. "If none of that happened, there's no documentary on Netflix. Full stop."

• A Russian attack submarine that was stationed in Syria has officially left the Mediterranean Sea.
• The departure of the Kilo-class Novorossiysk leaves Russia without any known submarines in the region.
• The uncertain fate of Russia's naval presence in Syria amid other setbacks could spell trouble for its submarine force.

Strategic Russian naval bases have been upended by conflicts in the Middle East and Ukraine, creating headaches for the Kremlin's navy, including its submarine force.

Moscow no longer appears to have any attack submarines in the Mediterranean Sea after NATO forces spotted its last known submarine leaving the region last week.

Portugal's military said that it observed a Russian Kilo-class submarine moving through the country's continental exclusive economic zone near northern Spain on Friday. NATO Maritime Command later identified the vessel as the Novorossiysk.

The Novorossiysk was spotted several weeks earlier at Tartus, a naval base in Syria that Russia had used for years. The future of Moscow's military footprint at the facility — and in the country in general — was, however, thrown into uncertainty after the shocking collapse of the Assad regime last month.

There are indications that Russia is drawing down forces at its bases in Syria. Losing Tartus for good would be a significant blow to Moscow's navy — including its capable submarine force — which relies on the warm-water port to project power across the region and beyond.

Early December satellite imagery showed the Novorossiysk docked in Tartus, but by the middle of the month, it was gone, along with the rest of the Russian warships that had been there. Some of the Russian naval vessels have been spotted in recent weeks loitering off the Syrian coast, but the whereabouts of this submarine were less certain.

Should Syria's new leadership decide Russia can no longer station its forces at Tartus, it would mark another setback for Moscow's navy, which has suffered a string of stunning losses in the nearby Black Sea since the start of the full-scale Ukraine war nearly three years ago.

Ukrainian forces have used missiles and naval drones to damage or destroy dozens of Russian naval vessels, including one of six improved Kilo-class submarines Moscow's Black Sea Fleet operates, during the conflict.

These attacks have forced Moscow to withdraw the Black Sea Fleet from its long-held headquarters in Sevastopol, a major city in the southwestern corner of the occupied Crimean peninsula, across the region to the port of Novorossiysk along western Russia's coast. If Russia is unable to move back into Sevastopol, that creates complications.

For Russia, losing the ability to keep submarines at Sevastopol and Tartus is less than ideal.

Bryan Clark, a former US Navy officer and defense analyst at the Hudson Institute, said that the remainder of the Kilo-class vessels are based in St. Petersburg, where there is a large naval facility and dry docks for maintenance.

"The Russians are now having to redeploy their submarine force back up to the north" instead of relying on warm-water ports that "you could get in and out of them year-round," Clark told Business Insider. "St. Petersburg, you can't get in and out of year-round."

Recent developments also seriously undermine Russia's military influence in the Mediterranean and southern Europe, Clark said.

The Novorossiysk is a newer improved Kilo sub. Submarines of this class are diesel-electric vessels and formidable long-range strike platforms that can attack ships and land targets, deploy for weeks on end, and stay relatively undetected. They are effectively Russia's most capable non-nuclear subs and can carry Kalibr missiles.

Russia has kept a Kilo-class vessel in the region for years. The boat's departure from the region, though Russia could ultimately opt to move another sub into the area later, may signal a broader decline in Russian naval might in the Mediterranean.

In four years, Russia appears to have gone "from being a pretty big player in the Med — in terms of naval forces — to now being a nonexistent player," Clark said.

Russia's basing challenges could ultimately hinder its ability to project power. The uncertainty with Tartus and nearby Hmeimim Air Base — underscores a broader issue for the Russian military.

Satellite imagery captured on Monday by Maxar Technologies, a commercial imaging company, shows no obvious signs of any major Russian naval vessels at Tartus, as has been the case for weeks. Ukraine's military intelligence agency has said Russia is withdrawing from the base.

Whether Moscow is able to negotiate an arrangement with the new Syrian leadership to stay in the country or is forced to relocate to a new hub in North Africa to sustain its operations remains to be seen.

• Jensen Huang has unveiled a platform called Cosmos to simulate scenarios to train real-world robots.
• Huang likened it to Marvel superhero Doctor Strange simulating millions of versions of the future.
• The Nvidia boss said at CES that physical AI is the "next frontier" of artificial intelligence.

In "Avengers: Infinity War," Marvel superhero Doctor Strange looks into the future to see over 14 million different outcomes of the galactic battle against supervillain Thanos. Jensen Huang thinks it's the kind of power needed to reach "the next frontier of AI."

In a keynote address at CES in Las Vegas on Monday, the Nvidia CEO introduced Cosmos, a platform that aims to make "physical AI" a reality by simulating endless real-world scenarios for robots and autonomous vehicles to study and gain a deeper understanding of their environment.

According to Huang, the path to this next frontier — in which autonomous hardware becomes a common sight in daily life — has been limited until now because of data availability. As he put it, "Physical world data is costly to capture, curate, and label."

That's where Nvidia Cosmos comes in, for Huang at least. "You could have it generate multiple physically-based, physically plausible scenarios of the future," he told the Las Vegas audience. "Basically, do a Doctor Strange."

Nvidia's next frontier is coming

Here's how it works. Cosmos ingests text, image, or video prompts to generate videos with virtual renderings of real-world environments, lighting, and more.

Developers of robots and autonomous vehicles can then use these virtual creations to provide their technology with synthetic data for reinforcement learning — a research technique used to teach AI models — as well as test and validate the models behind the physical AI.

According to an Nvidia blog post, Cosmos can also be used along with Omniverse, the company's platform for creating 3D graphics and metaverses, to "generate every possible future outcome an AI model could take to help it select the best and most accurate path."

Cosmos itself starts with a strong, foundational understanding of real-world environments. It has been trained on 20 million hours of video focusing on everything from humans walking and "dynamic nature" to camera movements, Nvidia said.

If robots and autonomous vehicles are to become a widespread reality, as other industry leaders like Elon Musk think, they'll need a highly sophisticated understanding of these kinds of scenarios.

"It's really about teaching the AI, not about generating creative content, but teaching the AI to understand the physical world," Huang said.

There's a good reason Huang is talking up physical AI. While Nvidia has grown by roughly $3.3 trillion since the start of the generative AI boom, thanks to high demand for its chips needed to train AI models, the business isn't completely free of threats.

Some of Nvidia's Big Tech customers, such as Amazon and Google, are developing chips of their own to reduce their dependence on Nvidia. The company made 87.7% of its $35.1 billion revenue last quarter from its chip and data center business.

As Business Insider's Emma Cosgrove also notes, the semiconductor industry has historically been brutal. Companies typically experience boom and bust cycles as interest in niche chips can come in waves. There is an incentive then for Huang to diversify Nvidia's sources of income.

Time will tell if Cosmos can offer the path forward to Nvidia's next frontier. Development of robots that can navigate complex world environments has taken shape slowly, despite companies like Google, Boston Dynamics and Figure AI deploying increasing amounts of capital on developing these technologies.

Huang himself noted during his CES keynote that he expects autonomous vehicles to represent the "first multi-trillion dollar robotics industry."

With autonomous cars already on the road in certain locations from companies like Waymo and Cruise, this could be the case. During CES, Huang shared that Nvidia had struck a new partnership with Toyota to help power its autonomous vehicle ambitions.

Getting to a world where robots roam freely among humans will take considerably more effort, however. Huang will hope that Cosmos starts to provide the superpowers needed to pull off such a feat.

• The Department of Government Efficiency is hiring "a very small number" of full-time paid employees.
• DOGE said it is recruiting for engineering, HR, IT, and finance roles.
• Job application and compensation details remain sparse.

Elon Musk and Vivek Ramaswamy's Department of Government Efficiency is recruiting for "a very small number" of full-time, salaried positions, according to its X account.

As of early January, the commission is looking for people to fill software engineering, information security engineering, HR, IT, and finance roles.

DOGE is an advisory committee that aims to significantly cut the federal budget — Musk said he wants to slash $2 trillion in spending — and pare back regulations. It exists outside of the federal government and does not have the power to change laws or agencies, though its leaders have already exerted influence over legislative actions, like a recent spending bill.

Applicants for the HR, IT, and finance roles were instructed in an X post — which functions as a job listing — to DM the commission's account their resume and some bullet points about their interest. Those applying for software engineering and information security engineering jobs were told in a separate post to send bullet points "demonstrating exceptional ability" and a phone number over direct message.

In November, Musk said in an X post that employees at DOGE would not be compensated; it remains unclear how many salaried positions are available. That same month, DOGE's X account said in a post that "thousands of Americans" have expressed interest in working at the commission and that applicants must be willing to work more than 80 hours per week. Musk and Ramaswamy would, the post said, look at the top 1% of applicants.

In a recent blog post, a former tech executive, Vinay Hiremath, said that he applied to work at DOGE and had eight calls before getting in and being added to Signal groups.

"I was immediately acquainted with the software, HR, and legal teams and went from 0 to 100 taking meetings and getting shit done," he wrote in the post, noting that he worked at DOGE for four weeks.

Though DOGE is actively recruiting, details about specific employees remain sparse. In early December, President-elect Donald Trump announced that William Joseph McGinley will serve as the commission's counsel. He also announced on Truth Social that Katie Miller, who was deputy press secretary for the Department of Homeland Security during Trump's first term and is married to incoming deputy chief of policy Stephen Miller, will be joining the commission.

Representatives for Musk, Ramaswamy, and Trump did not immediately respond to Business Insider's request for comment, and DOGE's X account did not immediately respond to a direct message.

• Big-name managers mostly performed well in 2024, but some under-the-radar players soared.
• Managers like Glen Kacher's Light Street and David Rogers' Castle Hook returned 60% last year.
• Jason Mudrick's firm returned more than 31%, a person close to the manager said.

The biggest hedge funds in the world — names like Citadel, D.E. Shaw, and Millennium — had good years in 2024, as Business Insider has reported.

While most of these funds failed to match the S&P 500's 23% gain, their investors love their consistency and risk management.

But allocators also have a need for managers that can take big bets and rip past peers and the market in a good year, as seen in the growth and interest in Chris Rokos' eponymous fund.

BI identified a few hedge funds that have been around, but are not as recognizable as their industry subsector peers — though that might change after their impressive performance.

Big-name macro funds, for example, had strong years thanks to geopolitical events like the US election that many were able to capitalize on. Rokos, PointState, and Rob Citrone's Discovery Capital Management all recorded large gains — but none of these bigger names matched the 60% gain by David Rogers' Castle Hook.

Rogers, a former investor in George Soros' family office, launched Castle Hook with fellow Soros alum Joshua Donfeld in 2016 with capital from billionaire Stanley Druckenmiller. The manager now runs $4.4 billion, a person close to the firm said.

Tiger Cub Light Street Capital, run out of California by Glen Kacher, is smaller and less well-known than other firms linked to Tiger Management's late Julian Robertson like Tiger Global, Coatue, and Viking Global. But Light Street's 59.4% gain last year and Kacher's AI focus is sure to draw attention.

Kacher posted on X, the website formerly known as Twitter, that his "AI5 basket" outperformed the Magnificent 7 last year. There is some overlap between the two groups of stocks, specifically Nvidia and Microsoft, but the other holdings in his basket are semiconductor and AI infrastructure companies such as Advanced Micro Devices and Broadcom.

Meanwhile, when stocks are soaring, there's often a lack of interest in credit managers, especially those playing in distressed space. But Jason Mudrick's $4 billion firm managed to pull out a market-beating year, a person close to the firm told BI.

The person said Mudrick Capital made 31.7% for the year and ended 2024 by investing up to $50 million in flailing British flying taxi startup Vertical Aerospace to bail the company out.

By comparison, the average credit fund, according to Hedge Fund Research, returned less than 10% through November 2024.

• Netflix's "Emilia Pérez" won four Golden Globes on Sunday, including the award for best musical or comedy.
• The film is expected to win big during awards season, including at the Oscars.
• But the film is facing growing criticism.

"Emilia Pérez" is a frontrunner for this year's Oscars, but as award season begins, a growing number of fans and critics are turning against it.

The Netflix film, starring Zoe Saldaña, Selena Gomez, and Karla Sofía Gascón, is a cross-genre crime musical about a Mexican cartel boss who fakes her death so she can transition.

Variety reported that Netflix bought the film for approximately $12 million after it premiered at the 2024 Cannes Film Festival. While it wasn't a hit on the platform, it could boost Netflix's reputation if it wins big at the Oscars in March.

"Emilia Pérez" bagged four Golden Globes on Sunday, including the award for best musical or comedy motion picture over fan-favorite films including "Wicked," "The Substance," and "Challengers."

Some film fans criticized the decision, arguing that it is better than its competitors.

Here are the controversies surrounding the film, explained.

Fans mocked what they view as a bizarre musical number in the film

"Emilia Pérez" received rave reviews before it premiered on Netflix last November, but the general public seemingly hasn't been won over.

In one scene that went viral, a doctor sings about the gender reassignment surgeries he has performed.

Users on X who saw the clip out of context mocked the musical number, while others who had seen the film called it boring.

Film fans reignited criticism by resharing the scene after "Emilia Pérez" won at the Golden Globes on Sunday.

Gomez's performance and her Spanish language skills have also been criticized.

Eugenio Derbez, a Mexican actor who starred in 2021's "Coda," called her performance "indefensible" last December on the Mexican entertainment podcast "Hablando de Cine."

After Gomez said sorry and that she did the best she could with the time she was given, Derbez apologized the next day for his "thoughtless" comments.

Others have complained about how the film portrays trans identity

At first glance, it would seem progressive for a film about a trans person to win multiple Oscars, as an openly trans actor is yet to win an Academy Award. But critics say the film doesn't uplift the community, partly because it includes transphobic tropes, such as describing a transwoman as "half male/half female."

In November 2024, the LGBTQ advocacy group GLAAD called the film "a step backward for trans representation" and shared several negative reviews from critics who are trans.

On January 6, Gascón told Vanity Fair: "Many are running a negative, nasty campaign against the film, so anything that I say, they will use it to make their case bigger.

"When something has a big impact and is liked by many, others hate it just for existing."

When asked about critics who are trans panning the movie, Gascón said: "Being LGBTQ, having those labels, does not remove your stupidity, just like heterosexuality does not remove your stupidity.

"What bothers me is that the people that say things like that just sitting down at home doing nothing. If you don't like it, go and make your own movie. Go create the representation you want to see for your community."

Gascón added that the trans experience is not a monolith.

Juan Barquin, a critic of the movie who is trans and was mentioned in the Vanity Fair article, responded in an X post on Monday, telling Gascón to "go fuck herself" and give her money to make her own trans movie.

Another trans critic mentioned in the piece, Drew Burnett Gregory, said: "I've watched many trans actors and writers attach themselves to cis artists in the hopes of helping their careers.

"It's not a position I envy. When the dust settles and the awards are doled out, it's the cis people who have benefited while the trans people can barely get work."

On Monday, Jeremy O. Harris, a Tony-nominated playwright and actor, shared a Instagram story post criticizing the outlet THEM and other LGBTQ+ detractors of "Emilia Pérez," arguing its success could open doors for representation.

Some criticized how Mexico is portrayed

"Emilia Pérez" is mostly set in Mexico, but the film's director, Jacques Audiard, is French, and the movie was made in France. In addition, one Mexican-born actor has a lead role: Adriana Paz. Gomez is American and has Mexican heritage; Saldaña's parents are Dominican and Puerto Rican; and Gascón is Spanish.

Users on X, including Mexican actors and cinematographers, argued the film doesn't accurately portray Mexico, its culture, and people.

Rodrigo Prieto, a Mexican, Oscar-nominated cinematographer who worked on "Barbie," "Killers of the Flower Moon," and "The Wolf of Wall Street," told Deadline last November that he was "unhappy" the film was not shot in Mexico and didn't include more Mexican people in the production.

"The whole thing is completely inauthentic," Prieto said. "Yes, they had dialogue coaches but I was offended that such a story was portrayed in a way that felt so inauthentic.

"It was just the details for me. You would never have a jail sign that read 'Cárcel' it would be 'Penitenciaria'. It's just the details, and that shows me that nobody that knew was involved. And it didn't even matter. That was very troubling to me."

In December 2024, casting director Carla Hool told a SAG-AFTRA foundation Q&A that her team searched across Mexico and Latin America for the lead roles.

"We wanted to keep it really authentic, but at the end of the day, the best actors who embodied the characters are the ones right here," Hool said, adding that they changed the backgrounds of Gomez and Saldaña's characters' because they aren't native Mexicans.

This further angered critics.

Representatives for Gascón, Netflix, and THEM, did not immediately respond to a comment request from Business Insider.

• Trump wouldn't rule out using military force to take Greenland and retake the Panama Canal.
• The president-elect made the remarks during a major press conference just days before his 2nd term.
• Denmark has emphatically stated that Greenland isn't for sale.

President-elect Donald Trump isn't ruling out using military force in an effort to gain control of Greenland and retake control of the Panama Canal.

During a Tuesday press conference, Trump was asked if he'd assure the world that he wouldn't use military or economic coercion to secure the sovereign territory and the vital waterway, respectively.

The president-elect in his response reinforced the critical economic importance that he sees in Greenland and the Panama Canal.

"I can't assure you," he said. "I'm not going to commit to that. It might be that you'll have to do something."

"We need Greenland for national security purposes," he continued. "People don't even know if Denmark has any legal right to it. But if they do, they should give it up."

Late last year, Trump spoke about possibly taking back control of the Panama Canal from Panama as well as his wish to secure Greenland from Denmark. He also floated buying Greenland in 2019.

Trump during Tuesday's press conference also threatened to "tariff Denmark at a very high level" if the country didn't give up control of Greenland.

Prime Minister Mette Frederiksen of Denmark earlier on Tuesday said that "Greenland belongs to the Greenlanders," adding that the strategic Arctic island is "not for sale."

Business Insider has reached out to representatives of Trump for comment.

• Three friends and I paid about $190 for an Uber Safari experience in Cape Town, South Africa.
• The flat rate covered a welcome drink, a buffet-style lunch, and the safari.
• I thought the experience was a great value for the money, and I hope to do it again.

As someone who lives in South Africa, I'm no stranger to going on safari. However, I was intrigued when I heard I could reserve a safari ride through the Uber app, and decided to try it out to celebrate a friend's birthday.

The experience, called Uber Safari, is a limited-time service the company rolled out from October 2024 to January.

In this daylong experience, a driver picks up Uber passengers from anywhere in Cape Town and takes them to go on safari at Aquila Private Game Reserve in the Western Cape. Once at the reserve, the staff at Aquila provides welcome drinks, lunch, and, of course, the game drive.

The whole experience costs a flat rate of 3,550 South African rand, or about $190, for up to four people. I also paid an additional ZAR45 for tolls. Here's what the experience was like.

The Uber Safari was fully booked for a few weeks out.

The Uber Safari picks up passengers in Cape Town at 9:30 a.m. on Fridays and Saturdays.

I booked the first available date I saw about two months in advance but was able to move my reservation up a few weeks when I noticed a cancellation.

Our driver arrived just before 9:30 a.m. to pick us up.

Our driver arrived at my home in Cape Town just before our 9:30 a.m. pickup time. He drove a white BMW X3, a luxury vehicle with leather seats and enough space for four passengers. 

We drove alongside a group of other Uber Safari vehicles on the way to Aquila.

During our trip, we joined a convoy with other BMW X3s, all Uber Safari vehicles on their way to Aquila.

This game reserve is known for its array of wildlife and luxurious accommodations, such as a spa and on-site lodging. It's very popular, with many people visiting Aquila independently or as part of a group tour. 

With Uber, we'd booked Aquila's "big five" safari — an experience where participants hope to see lions, leopards, elephants, buffalo, and rhinos.

Upon arriving at Aquila, we needed to sign forms and provide photo IDs.

We signed indemnity forms at Aquila's entrance gate and were dropped off at the main reception area, where we were asked for photo IDs.

I was a little surprised since I didn't see that passengers would need to provide photo IDs on the Uber app, but fortunately, we all had some form of identification with us. 

Then, we were led to an outdoor area and greeted with a welcome drink of our choice — pink sparkling wine or carbonated apple juice. 

Before our safari, we were directed to Aquila's restaurant for a buffet-style lunch.

The buffet-style lunch had lots of food options, including hot meals like vegetarian lasagna, seafood hot pot, and oven-roasted chicken. We were also offered desserts like chocolate cake and crème brûlée.

I thought the food was delicious and a great value, considering it was included in the cost of our booking.

We boarded a game-drive vehicle for the safari portion of the trip.

Just after 1 p.m., we boarded a large safari vehicle with the passengers we saw arriving in the other Uber Safari cars.

The open-air vehicle had a roof that provided some shade as we rode through the 10,000-hectare (about 24,710-acre) wildlife reserve.

We saw lions in their own separate enclosure.

Lions can be hard to spot on an afternoon game drive, as they sleep most of the day and are usually active early in the morning and late in the afternoon. However, they were the first of the big five that we spotted. 

Our driver explained that Aquila's lions had been rescued from the canned-hunting industry, which means they had been bred in captivity to be hunted (a practice many wildlife organizations have deemed highly unethical).

Because these lions never learned to hunt or fend for themselves in the wild, Aquila's rangers care for them in an enclosure separate from the rest of the reserve.

We saw plenty of other animals during the rest of the game drive.

The other animals on the property roamed freely around the reserve. 

We saw a range of animals, including elephants, rhinos, buffalo, ostriches, hippos, and zebras. Our guide did a great job educating us about the animals, their characteristics, and their behavior.

Our game drive ended two hours later at about 3:10 p.m. After a bathroom break and a quick browse through the gift shop, we boarded the same BMW X3 for our trip back to Cape Town, arriving just before 6 p.m.

Uber Safari was a great value, and I would do it again.

As someone who's traveled extensively, I feel that when you go on a trip with a tour guide, the experience starts as soon as you get in the vehicle. However, the Uber part of the experience was just that — a simple car ride.

Still, our driver was polite, professional, and friendly. Plus, the flat ZAR3,550 rate seems pretty reasonable for visitors, especially since our excursion covered two-hour Uber rides in each direction, lunch, and a game drive.

I would gladly try the experience again and have already recommended it to friends visiting from Canada. I just hope they take me with them.

• JPMorgan is gearing up to call its workers back to the office 5 days a week, Bloomberg reported.
• The bank's CEO, Jamie Dimon, has been an outspoken critic of remote work.
• See how the bank's return-to-work policies have changed over the years.

JPMorgan Chase may soon call all of its workers back to the office, marking the latest large finance company to return to pre-pandemic working conditions, according to a report.

According to Bloomberg News, America's biggest bank by assets is developing a new policy that could eliminate remote work entirely. The policy, which has not yet been announced and is subject to change, follows Amazon's decision to call its workers back to the office five days a week starting this month.

A spokesman for JPMorgan, which reported 316,043 workers as of the end of September, declined to comment on the company's plans. But he said that roughly 70% of the bank's employees are already back in the office five days a week. Everyone else is back 3 to 4 days per week.

JPMorgan CEO Jamie Dimon has been an outspoken critic of remote work, and the company has been calling people back to the office for several years now.

In September, Dimon criticized the federal government for its remote work policies during a discussion with The Atlantic magazine in Washington, D.C., saying that he'd "make Washington, D.C., go back to work."

"I can't believe, when I come down here, the empty buildings. The people who work for you not going to the office," Dimon said, adding: "That bothers me. I don't allow that."

Here's a timeline of JPMorgan's work-from-home policies:

July 2021: JPMorgan started calling workers back to the office on a rolling basis, focusing on people who worked in bank branches or in investment-banking jobs like sales and trading.

April 2022: CEO Jamie Dimon said in a letter to shareholders that 40% of the bank's employees, which then numbered around 270,000, would be permitted to work a few days at home. The remaining 10% could work from home full-time. Everyone else was expected to be in the office five days a week.

April 2023: Dimon called all of the bank's managing directors back to the office five days a week, whether they work in demanding revenue-producing jobs or lead back-office departments like technology and compliance.

January 2025: Bloomberg reported that JPMorgan is working on a policy that could call all of its workers back to the office five days a week.

• My family and I tried and ranked five brands of jarred pickles to see which one we liked best.
• We didn't like the Vlasic pickles and thought they had an unpleasant aftertaste.
• Claussen's kosher dill pickles were the best option by far.

Everyone in my family of four enjoys pickles, but I don't normally give much thought as to which brand to buy.

However, in an effort to be more intentional about my purchases, I recently bought and tasted five brands of supermarket dill pickles to see which ones we liked best.

Here's how they stacked up from worst to first.

We ranked the Vlasic pickles last due to their aftertaste.

The Vlasic kosher dill baby pickles at my local supermarket cost about $6 for a 16-ounce container, making them the most expensive per ounce of the pickles I tried.

They had a nice crunch to them, and although they initially had a mild and pleasant briny flavor, there was an off-putting aftertaste. As a result, my entire family placed these at the bottom of the list.

The taste was so unpleasant that I bought a second jar from a different supermarket to see if the first one was an anomaly. It was not.

I wouldn't seek out the 365 pickles from Whole Foods again.

I grabbed a 16-ounce jar of 365 organic kosher baby dill pickles from Whole Foods for $5.

When I took a bite, however, I didn't think these pickles were as good as some of the others I tried. They weren't especially crunchy, and I didn't love the flavor. I thought they were heavy on garlic and lacked the crisp, vinegary bite I seek in good pickles.

I'd eat them again if someone served them to me, but I'd opt for other brands if I were shopping for my family.

To be fair, these were my 7-year-old's favorite, but he's by far the most averse to spicy foods in our family.

Trader Joe's kosher dill pickles were OK, but I wouldn't go out of my way to buy them again.

The Trader Joe's kosher dill pickles were the least expensive of the group, at $3 for a well-stuffed 24-ounce jar.

These pickles had a satisfying snap with each bite but a fairly mild vinegar flavor and some seasoning resembling caraway, which felt unfamiliar. They also didn't have the palate-cleansing zest I sometimes want.

Overall, they tasted like something you'd serve on a cheese board rather than with a cheeseburger.

I'd buy these again — especially considering the price — if I were shopping at Trader Joe's and needed pickles. However, they're not something I'd go out of my way for.

I'd buy the Mt. Olive pickles again for the sake of nostalgia.

I took home a 24-ounce jar of Mt. Olive dill-pickle spears that was on sale for $4 (about $2 off the supermarket's usual price).

I wasn't sure if I'd ever bought a jar of Mt. Olive pickles before, but when I opened it, I recognized the smell immediately — these were the pickles that came with every sandwich at a popular and delicious deli near where I went to college.

They were a touch mushy and didn't have much crunch, but they won me over with their assertive, classic pickle flavor, which was so tangy it was almost spicy.

I might buy them again if I start feeling nostalgic for that sandwich shop or am looking for a budget-friendly option.

Claussen is my new favorite pickle brand.

Claussen's kosher dill pickles cost $7 for a 32-ounce jar at my local supermarket. These pickles were the only of the five brands I tried that came from the grocer's refrigerated section.

Having to refrigerate the Claussen pickles made them slightly less convenient to store, but they were so much better than the other pickles we tasted. Vibrant with dill, they were crunchy without being heavy and had a bright vinegary tang.

My wife, our 4-year-old, and I all ranked this as the best pickle by far — so far superior to the others that the extra cost was easily justified.

I will seek out Claussen whenever I'm buying pickles at the supermarket in the future.

• Meta's content moderation changes aim to appease Donald Trump and conservative allies.
• Mark Zuckerberg's moves follow efforts to align with Trump, including meetings and policy shifts.
• Meta's new approach includes ending third-party fact-checking and demoting its Trust and Safety team.

Sometimes the obvious thing is the obvious thing.

Which is to say: You can make pro and con arguments for many of the massive changes Meta CEO Mark Zuckerberg has announced about the way his company is going to moderate — or not moderate — content. It's a complicated topic.

But the most important takeaway is that all of Tuesday's news has been rolled out specifically for Donald Trump, and the new political regime that officially kicks into gear on January 20.

That includes the language Zuckerberg and his company are using to describe the changes — like when Zuckerberg criticizes "legacy media" and declares that "the recent elections also feel like a cultural tipping point" in a video posted Tuesday morning.

It includes the venue Meta used to announce the changes — Fox News, Trump's favorite TV channel. And, of course, the changes themselves. We'll get to those in a second.

But first, some crucial context: Tuesday's news follows a series of moves Zuckerberg and Meta have made to make nice with Trump and Republicans, which began before November's election.

A reminder of that timeline:

• In July, Zuckerberg praised Trump as a "badass" after surviving an assassination attempt.
• In August, Zuckerberg sent Republican Congresssman Jim Jordan a letter where he acknowledged moderation mistakes in the past.
• In November, Zuckerberg traveled to Mar-a-Lago for a postelection audience with Trump, then pledged $1 million to Trump's inaugural committee.
• Last week Zuckerberg announced that he was replacing his head of policy: Nick Clegg, the former British politician, was out, replaced by Joel Kaplan, a longtime Republican.
• On Monday, Zuckerberg announced that he was adding Dana White, the head of the CEO of Ultimate Fighting Championship and a prominent Trump backer, to his board of directors.

Add it all up and there's no way to see Zuckerberg's moves as anything other than a straightforward attempt to please Trump and the incoming president's conservative allies, who have often complained that Zuckerberg's properties were biased against them. It's crystal clear.

As far as the changes themselves: It's entirely possible that some of the stuff Zuckerberg and his team announced Tuesday reflects what Zuckerberg actually believes. (I've asked Meta PR if Zuckerberg wants to expand on his comments.)

Figuring out the best way to moderate — or not moderate — giant platforms that depend on free contributions from their users has bedeviled all of the Big Tech companies for years. And Zuckerberg has never seemed comfortable with the various moderation layers and rules his company has added over time.*

He has also been signaling that he's particularly unhappy about the way the company responded to criticism and regulation following the 2016 election and subsequent revelations like the Cambridge Analytica data breach.

So getting rid of third-party fact-checking of controversial posts in favor of the "Community Notes" system Elon Musk's Twitter/X uses, might very well be what Zuckerberg thinks makes sense. It certainly fits a Silicon Valley ethos that's much more comfortable using a combination of users and software to make decisions about what people see on those platforms, rather than asking executives to take responsibility for those calls.

The same goes for the demotion of Meta's Trust and Safety team — which is most definitely what Zuckerberg intends by moving those operations from California to Texas, which, at a minimum, is an attrition play. Zuckerberg has long talked about wanting those roles to eventually become automated, and in the meantime, hiring humans to do that work has been difficult, messy, or worse. Simply doing less of it is one way to get at the problem. (Worth noting: In 2023, Meta investor and board member Marc Andreessen described Trust and Safety operations as part of "The Enemy" he wanted tech to fight back against.)

And figuring out how to run a platform that's based in America but subject to regulation around the world is a problem that all US tech companies struggle with. You can imagine the appeal of Zuckerberg's new approach — simply announcing that the rest of the world is anti-growth.

There will be a lot of devil in the details here. For instance, Zuckerberg certainly can't fully adopt Elon Musk's next-to-anything-goes approach for his companies. Unlike Musk, he isn't in a position to scare off users and advertisers who want a clean, well-lit space.

But those are all details to hash out in the future. Tuesday's news is simple: It's Donald Trump's world, and Mark Zuckerberg is living in it.

*Criticisms of Meta/Facebook's moderation attempts don't only come from the right. I always remember the prime minister of Norway, among others, complaining when Facebook took down posts that used a Pulitzer Prize-winning photo from the Vietnam War — a move Facebook first defended, then reversed.

• Natalia Grace Mans speaks about her boyfriend Neil in "The Curious Case of Natalia Grace: The Final Chapter."
• Natalia and Neil met online, and he helped her leave her home with the Mans family.
• Neil is from the United Kingdom, and his identity is concealed in the docuseries.

"The Curious Case of Natalia Grace: The Final Chapter" recounts how Natalia Grace Mans ultimately left the Mans family to live with Nicole and Vince DePaul, a couple with dwarfism who previously tried to adopt her when she was a child.

She does so with the assistance of her boyfriend Neil, who lives in the UK and is not shown onscreen or fully identified in "The Final Chapter." In the docuseries, Nicole DePaul says Neil contacted her via social media and told her that Natalia needed help leaving the Mans family, who adopted her in 2023. As a result, Nicole and her daughter Mackenzie traveled to Nashville, where the Mans family had relocated, to pick her up and bring her to their home in New York.

Natalia's saga was first publicized in 2019, when it was reported that her first set of adoptive parents, Kristine and Michael Barnett, had moved away to Canada and left Natalia on her own in an apartment after coming to believe that the Ukrainian orphan was really an adult woman posing as a child. They alleged that Natalia was disturbed and had threatened their family, which Natalia has repeatedly denied.

Neil is a relatively new addition to the story that's been unfolding on the Investigation Discovery docuseries since the first of its three seasons premiered in 2023. He's an off-screen presence in "The Final Chapter," which premiered Monday, but Natalia, Nicole, and Natalia's adoptive parents, Cynthia and Antwon Mans, all speak about him. Here's everything we know about Neil.

Neil and Natalia met over social media, and their relationship prompted conflict with her adoptive parents

Neil and Natalia first came into contact via social media while she was living with Antwon and Cynthia Mans, she recalls in "The Final Chapter."

"At first it was just like a small message, and then I grew feelings," Natalia says in the series. "He claimed he grew feelings, and I just opened my heart. It felt really good."

In December 2023, Antwon and Cynthia called producers to say that they were "done" with Natalia and that she wanted to live alone. Producers traveled to Tennessee, but when they arrived, Antwon and Cynthia told them that they had "come to an understanding" with Natalia and she had decided to stay at home.

During an interview with producers at that time, Antwon and Cynthia said that Natalia had "trashed" them in messages and that Neil had framed them as an "enemy" who sought to "control" her.

"I think it's definitely important to put parameters in place with the internet so these things won't happen again," Antwon said during the interview. "Look, we gotta cut the internet off. We can't allow this to happen. It's just got to be cut."

Natalia said during the interview that she believed she was in love with Neil, "but it wasn't right" and she wasn't "thinking clearly." However, she eventually did decide to leave her adoptive family to live with the DePauls in New York.

Antwon and Cynthia Mans did not immediately respond to BI's requests for comment sent to their personal Facebook profiles, their family Facebook page, and an email listed on the Facebook page.

Neil contacted Nicole so she could help Natalia leave the Mans

Neil reached out to Nicole DePaul over social media to request that she help Natalia leave the Mans family. "The Final Chapter" executive producer Eric Evangelista says in a confessional that Neil also contacted producers to say that she needed to leave.

"It was like, out of the blue," Nicole said. "At first, I didn't even believe him. I didn't even know if he was legit, or if I should trust him."

Natalia was still able to stay in contact with Neil, who in turn relayed information to Nicole. Eventually, he put Natalia and Nicole into contact, and they coordinated a pick-up.

After Nicole and her daughter Mackenzie retrieved Natalia in Tennessee, Natalia was able to speak on the phone with Neil.

"I am so, so thankful you found me. I love you so much," Natalia told Neil.

Neil and Natalia finally met in person while she was living with the DePauls

Natalia continued her long-distance relationship with Neil while living with Nicole and Vince DePaul. Natalia told People she was in love, and that she and Neil had met in person.

Now, Natalia tells the publication that she hopes to have a family of her own one day.

"I'm a girl who loves kids and wants to get married and have children," she said. "But one of my biggest things is not making promises I can't keep. I've had too many promises that have been broken. I'm just ready to move on."

"The Curious Case of Natalia Grace: The Final Chapter" premieres on Investigation Discovery and Max on January 6.

• Amazon will reportedly pay $40 million to license a new documentary on Melania Trump.
• Melania Trump will serve as an executive producer on the film, Puck reported.
• The incoming first lady is not expected to be in Washington full time during her husband's second term.

Amazon will reportedly shell out $40 million to license a documentary on incoming first lady Melania Trump. The price tag includes the film itself, a smaller-scale theatrical run before being featured on Prime Video, and a supplementary docuseries.

Puck's Matthew Belloni reported more details about the Brett Ratner-directed film as the onetime and future first lady prepares to rejoin the biggest spotlight in the country in less than two weeks. The New York Post has also reported that Amazon paid $40 million for the project.

Melania Trump will be an executive producer on the projects, Belloni said. It's unclear how much the incoming first lady will be paid.

Puck also reported that both Disney and Paramount sought streaming rights for the Melania Trump documentary. Apple and Netflix did not place bids for the documentary, sources told the outlet.

Multiple sources told CNN in November that Melania Trump would likely split most of her time between New York and Florida, while also maintaining a presence at the White House during her husband's second term.

The news about the documentary comes as President-elect Donald Trump's relationship with Amazon founder Jeff Bezos continues to be a hot topic in both the business and political worlds.

In December, The Wall Street Journal first reported that Amazon would donate $1 million to Trump's inaugural committee, part of a cascade of tech leaders seeking to cement or strengthen their relationships with the president-elect.

Bezos last month traveled to Mar-a-Lago to dine with Trump alongside Tesla CEO Elon Musk.

Ahead of the November election, Bezos, the owner of The Washington Post, chose to end the newspaper's longtime practice of endorsing presidential candidates. The decision sparked a huge outcry among subscribers and led to the exit of several members of the editorial board.

In an op-ed defending the move, Bezos called his stance "principled."

Business Insider has reached out to Amazon for comment.

• Four Seasons' portfolio includes popular private jet tours and a coming yacht-like cruise ship.
• Its CEO said these alternative vacation options create a "halo effect" for its hotels and resorts.
• Some of its 2025 jet itineraries are sold out, and bookings for its 2026 vessel already look "very successful."

If Four Seasons' president and CEO, Alejandro Reynal, had it his way, travelers would be turning to the luxury hospitality company for vacations on land, at sea, and in the air.

About 80% of the luxury hotel brand's revenue comes from its renowned hotels and resorts, Reynal told Business Insider in late November 2024. However, over the past few years, the company has expanded its portfolio with extracurriculars such as private jet tours and cruises — all in a bid to keep high-paying customers within its travel network.

These extracurriculars create a "halo effect" for the brand, he said, complementing its core business while creating more avenues for maintaining relationships with loyal customers.

"How do we create this luxury ecosystem around the brand, and which businesses do we need or don't need to be in?" Reynal said.

For Four Seasons, that now includes the cruise business.

The luxury hospitality giant plans to debut its 95-suite, yacht-like cruise ship in 2026. Despite the wait, the company's CEO said bookings have already been "very successful," with about two-thirds coming from existing customers.

Travelers aren't booking it because they love cruises — they're booking it because they love the brand. "People were very favorable for us to pursue a Four Seasons experience at sea," Reynal said.

Renderings promise a sleek and luxurious vessel with 11 upcharged restaurants, a marina, and cabins up to almost 10,000 square feet, some with au pairs and security personnel. As such, suites during its first year in service currently start at $19,700 for a five-night voyage — about $3,940 per night.

Prefer to travel by air? Since 2015, the hospitality giant has also operated multiweek group jet itineraries with TCS World Travel.

Like a traditional at-sea cruise, the aircraft — a 48-seat Airbus A321LRneo — brings travelers on multi-country itineraries and overnight stays at the brand's properties, creating an end-to-end Four Seasons vacation that would entice any of its loyalists.

And enticed they have been. In 2024, the company's eight jet trips were almost sold out, Reynal said.

Several of its 2025 tours already have a waitlist. The few that don't start at $148,000 per person for a 13-day journey through Africa.

Reynal said the company was considering expanding the program with more itineraries of varying aircrafts or lengths.

"We have a high repeat rate of guests that stay with us or go through the private jet experience," he said. "We don't do it so much because of the revenue that it provides to the business. It's because it's a tremendous compliment to what we do as a brand."

Four Seasons is one of a few luxury hospitality companies diversifying their portfolios.

Aman, best known for its 35 ultra-luxury properties, plans to launch its 50-suite ship in 2027 in addition to the private jet tours it's been operating since 2013.

Similarly, the Ritz-Carlton Yacht Collection launched its first vessel, Evrima, in 2022. Its ships have since been considered a successful litmus test for the hotel-to-cruise pipeline, and it now expects to debut a third in July.

• Gen X may be even less prepared for retirement than boomers, wealth advisors say.
• A large cohort of adults in their mid-50s have less than $50,000 in retirement savings.
• Many expect to work part-time or receive family help after retiring, a Prudential survey shows.

Jim Thomas, a 52-year-old who works in a lumber mill, is well aware of how far behind he's fallen in saving for retirement. His job pays "good money," he says, but he's still trying to plug the hole in his finances after a layoff, a divorce, and several legal disputes emptied his wallet in the last decade.

Those expenses have dug a hole so deep in his savings that Thomas is only now starting up his 401k from scratch. Currently, he estimates he has around $100,000 in savings, well below the goal that is traditionally recommended by financial advisors, who say you should have around eight times your annual salary saved by the time you're 60.

"I know I won't be able to retire at 65 unless I win the lottery," Thomas told Business Insider. "I expect that I will either need help from my daughter when I can no longer work, or I will need government assistance greater than Social Security."

He's not alone. Thomas is among what retirement experts are calling "silver squatters" — adults in their mid-50s who are even more woefully unprepared than some boomers, despite being about a decade away from retirement. "Squatters" refers to the possibility that many will have to rely on family for housing in later years.

As far as silver squatters go, Thomas's story is fairly common. According to surveys conducted by Prudential Financial, the median retirement savings for those in their mid-50s is just under $48,000, with 35% of 55-year-olds having less than $10,000 saved and 18% having saved nothing at all in 2023.

Two-thirds of 55-year-olds say they're afraid of outliving their savings. That's the highest level of fear among any age group of Prudential's 2024 survey, with 59% of 65-year-olds saying they worried they would outlive their savings.

"As a whole, they are not as prepared as the boomers and actually are doing less well than the millennials," Pete Welsh, managing director of retirement and wealth at Inspira Financial, told BI, though he noted that the youngest Gen Xers still had time to catch up on their savings.

The lack of preparation among the cohort could be due to late planning and the unique economic circumstances of the mid-50s crowd, in addition to less financial literacy among the generation, wealth advisors say.

René, a 50-year-old based in Austin, Texas, has anxiety over whether she and her husband will have enough to live comfortably once they retire. Their life savings — around $380,000 between the two of them — dwindled to next to nothing after a medical diagnosis put her out of work and through a string of surgeries over the course of two years, she told BI.

The couple, who have fallen behind on some of their bills, don't know if they'll be able to get extra financial assistance once they retire, besides their expected pension payments. They have no external family, and they don't want to rely on their daughter for help.

"I was like, oh God, how did we get here?" René said, describing a plea she made with their mortgage provider not to foreclose on their home. "We're just going to have to work and 401k-it, and that's just how it's going to have to be now."

A forgotten generation

Silver squatters share some common characteristics, despite the unique circumstances affecting their retirement readiness. This group of Gen Xers — the generation of Americans aged 43 to 59 — largely expects to postpone or work past their retirement. 47% of Gen Xers think they'll have to retire later than they initially expected, while 40% expect to work part-time after they retire, per Prudential's survey.

A majority also don't expect to receive any inheritance, despite their boomer predecessors holding onto trillions in wealth. Only 12% of the 55-year-old group expect to get money passed down from their family members, Prudential's survey found.

They do, however, largely expect to be reliant on family for support once they retire. Around 24% of 55-year-olds say they expect financial support from their family members, with 21% adding they also needing housing support, the report said.

That compares to just 12% of 65-year-olds who say they will need that kind of help from family.

The gap in retirement readiness could be due to the "unique" challenges of Gen Xers, according to Dylan Tyson, the head of retirement strategies at Prudential. He notes that all of the generation was in their prime working years during the 2008 financial crisis, which could have set them back financially.

Gen Xers could also be in a tenuous stage of life, where a number of surprise expenses have popped up to drain their savings. Think of those who have had to fund their child's college education or are paying for a living facility for their own parents, Inspira's Welsh said.

"You're trying to help out here, you're trying to help out there, and then at the end of the day, there's just not enough on the table to really think about what you're going to do for yourself," Welsh said, adding that some of Inspira's Gen X clients had expressed frustration over their financial responsibilities to their family. "They're just in a very tough, tough spot that, for whatever reason, I guess maybe the boomers didn't have to deal with."

Low rates of financial literacy — which is a widespread issue among every generation in the US, according to a study from the World Economic Forum — doesn't help the situation, Welsh and Tyson say. Around half of Gen Xers are saving without a general plan for retirement, Prudential found.

Most also don't appear to be accounting for major expenses into retirement, with 48% not factoring in healthcare costs and 75% not factoring in assisted living expenses.

Many Prudential clients don't even know how much they need to save, Tyson said, adding that many of the firm's Gen X clients are simply guessing how long they will live. He said he believes many of them are guessing incorrectly due to rising life expectancies in the US.

"If you don't have the cushion — again, this is the group we're talking about, the 60-year-old, undersaved — they really need to be watching every penny and thinking about that," Welsh said.

This article was originally published in August 2024.

• Business Insider spoke to three perfumers about the coming 2025 fragrance trends.
• Maximalist fragrances, like bold florals, are cycling back into popularity.
• Consider testing out a rice scent or incorporating citruses during the warmer months.

As we enter the New Year, it's a great time to reassess our signature scents.

Business Insider spoke with three professional perfumers about the best scents and trends they see coming in 2025.

There's been a shift from minimalist to maximalist fragrances.

Shabnam Tavakol, the founder of the New York City-based independent fragrance studio Kismet Olfactive, said recent perfume trends have been all about soft fragrances that mix with your body's natural odors.

However, we're now entering a maximalism era reminiscent of the 1970s and '80s.

"It's much like fashion, where everything goes in this cyclical pattern," she told BI.

The perfumer said bold florals make great full-bodied fragrances. She also recommended heavier perfumes like Le Labo's Santal 33 and Alien by Thierry Mugler.

Gourmand scents will continue to be popular in the New Year.

Emma Vincent, an in-house perfumer at Lush, said gourmand scents will still be favored in 2025. These fragrances, which smell like edible things, remain popular largely due to their comforting and familiar qualities.

Vanilla is probably the most popular gourmand. However, as the trend continues to grow, the perfumer expects people to experiment with different scent profiles and complexities, including coffee, musk, and cereal undertones.

More specifically, it's time to look into rice scents.

Kelsey Hodgson, a salesperson who's worked in the perfume industry for nearly nine years, said rice is a big scent right now. They've seen an increasing number of brands trying to add the note to their fragrance lineup.

"People are still looking for gourmands in general, but rice blends that space of milky and bready," they told BI. "It sits close to the skin."

In particular, Hodgson recommends L'Eau Papier by Diptyque and White Rice by d'Annam.

Dupes are on the rise.

Between everything getting more expensive and the rise of influencer-run social media, dupe culture isn't slowing down.

The less-expensive duplicates of higher-end products are a more affordable and accessible option for those seeking luxury on a budget.

"The dupes that come out are so much better than they were before," Vincent said.

Lavender florals will be in for the spring.

Florals tend to trend in the spring, but Hodgson expects lavender to be particularly popular in 2025.

"People are leaving rose behind and trying to modernize a more old-school version of lavender," they said.

They recommend Lavande 31 by Le Labo for that old-fashioned floral scent.

Citrus scents will thrive in the summer.

Warmer seasons typically bring lighter fragrances, so citrus scents usually boom in the summer.

"When it's humid outside, you don't want a scent that's going to be too oppressive," Hodgson told BI. In particular, they think notes of yuzu and grapefruit will be making a big comeback in 2025.

They recommend citrus aromas from Phlur, which offers unisex scents like Apricot Privée and Tangerine Boy, as well as J-Scent's Yuzu perfume.

Try layering your scents.

Although it's not necessarily a new trend, layering scents offers an opportunity to create nonuniform and complementary scent profiles.

From your hair primer to body wash, building a full-body, complex fragrance palette is in for 2025.

"Once people start experimenting in that way, they're more likely to do more research and find things that are a little bit more out there," Hodgson said.

• I moved to Celina, Texas, in 2022 and absolutely love living in the city.
• I like the area's small-town feel and the sense of community among its residents.
• There are tons of local shops and restaurants, and there always seems to be an event downtown.

When I first moved to Celina, Texas, I was excited to live in an area filled with young families and business-minded people.

However, I didn't realize the up-and-coming town, which many residents call Rollertown, would top the Census Bureau's list of the fastest-growing US cities with at least 20,000 residents, based on its data recorded between 2022 and 2023.

Celina, which had just 6,000 residents in 2010, grew to over 43,300 people in 2023, according to recent Census data. The quaint town, pronounced "seh-line-ah," is about an hour north of Dallas and gives Texans a place to escape the hustle and bustle of the city and form lasting roots within the Dallas-Fort Worth metroplex.

Since relocating from nearby Frisco, Texas, in 2022, I've seen the city make significant investments in its expanding shopping centers and downtown area to accommodate its increasing population.

Here's why I love living in Celina.

I was drawn to Celina's small-town vibe

One of the things that drew me to Celina is that although the city is growing, it still has a small-town feel.

Popular chains like Costco, Lifetime Fitness, PetSmart, and many big-name food stores are opening just down the road from my apartment, but Celina also has a rich downtown area filled with local shops.

During the day, I love walking my dog and stopping at the library or Granny's Bakery, a local shop with delicious fresh-baked treats. Small boutiques give me the opportunity to find unique outfits without relying on big-box stores.

Celina is also full of great restaurants. I like to go to Heyday, a late-night hangout spot serving elevated cocktails with an upscale dinner menu and atmosphere. It's a great place to celebrate an accomplishment or catch up with my friends.

Celina offers a real sense of community

The downtown Celina Historic Square hosts community fairs, holiday events, and local markets. I love seeing the Square transform for events like the Friday Night Market, an opportunity for residents to purchase local produce and handcrafted items, or Cajun Fest, where attendees can feast on crawfish and watch live alligator shows.

Seeing children with face paint running around, watching friendly competitions, and having the chance to support local artists makes each event feel special.

Residents also show their commitment to the community as football fans decked out in Bobcat orange fill the stands at Celina High School on Friday nights. I attend the games to cheer on my younger sister as she takes the field with her flag during the halftime color-guard show.

I'm grateful to call Celina, Texas, my home

I have no regrets after moving to Celina, Texas, and I'm proud to call it my home.

The sense of community here is amazing — I felt like I belonged in town from day one.

The beautiful scenery and friendly faces make Celina an awesome spot to settle down, whether you're starting a family or just looking for a place to connect with others.

• Hanna Kim tried to lose weight by cutting out what she viewed as unhealthy foods, but it wasn't sustainable.
• She educated herself on fat loss and instead tried to cultivate healthy habits.
• Tracking her calories helped her make more intentional choices.

Before losing 22 pounds in a sustainable way, Hanna Kim tried many diets but ended up putting the weight back on because she hated the process.

"My perception of weight loss was just so negative," Kim, a 24-year-old YouTuber based in Sydney, told Business Insider. In the past, she would cut out all the foods she considered "bad" and force herself to do workouts she didn't enjoy.

As a teenager, Kim, who is Korean, was also heavily influenced by K-pop — whose stars are often put on strict diets and exercise regimes — and the Korean principle of "ppali ppali," or doing everything as quickly as possible.

Kim wanted to lose fat, and fast. When she didn't, she felt deflated and quit. "It was just a cycle of trying weight loss and then failing at it. Then hating the journey and really being negative on myself. Then wanting to try again and just this endless negative loop," she said.

Things shifted in 2021 when Kim looked into the science behind losing fat safely, and realized it couldn't be achieved quickly but should be part of a bigger goal of developing healthier habits.

"That gave me a lot of, I guess, courage to be more patient with the journey and to realize it's not a short sprint, it's a marathon," she said.

She started to make small changes to her lifestyle and lost 22 pounds in a year. She has kept the weight off for three years and now finds it easy to maintain.

Here are the two simple changes Kim made.

Going on 10-minute walks

In the past, Kim had joined a gym three times but quit after six months because her motivation to look a certain while would eventually wane.

When she started thinking of weight loss as a long-term investment in 2021, she was leading a fairly sedentary lifestyle: eating whatever she felt like, often including takeout, and didn't exercise regularly.

She knew that even a small change would ultimately make a difference, so she started by going on a walk. "I realized, 'OK, if I choose today to go outside for a 10-minute walk, that's still a win in my book,'" she said.

She set herself the goal of moving every day and found workouts online that aligned with her non-perfectionist approach and matched her mood, which helped her develop a love for exercise.

"If I was in a mood to just dance for a bit, I'd search up dance workout," she said.

Sticking to her daily calorie budget

Before 2021, Kim ate a lot of ultra-processed foods, including chocolate and cake, Korean fried chicken, and fast food. At the time, she had no idea how many calories they contained or that to lose weight, a person needs to be in a calorie deficit, meaning they burn more calories than they consume.

When she started her weight loss journey, she tracked her calories with an app to calculate her daily budget, or how many calories she needed to eat to lose weight. The "eye-opening" process enabled her to make more intentional choices.

"If I had 100 calories left, what's going to make me feel good? What's going to give me more energy?" she said.

At the start, she gave herself a leeway of around 120 calories but she mainly stuck to her budget. She also made sure to not demonize or cut out any foods, but tried to opt for lower-calorie versions of her favorite, less nutritious foods.

"It was definitely enjoyable. I wasn't just cutting things out straight away," she said.

Over time, she naturally started to focus not just on how many calories she consumed but the nutritional value of food. She reframed whole foods and fresh produce as treats because of how they made her feel.

"Now that I know the whys behind, 'why do you have to exercise?' 'Why do you have to eat well?' And it's ultimately so that your body can function the best it can," Kim said.

• Business Insider looked at the purchasing power of a six-figure salary in different Texas cities.
• We adjusted $100,000 for Texas' 25 metro areas using cost of living data from the Bureau of Economic Analysis.
• Based on 2023 data, the purchasing power of $100,000 would be $102,438 in the Austin metro area.

One of Texas' big draws for the thousands of Americans who move there each year is its relatively low cost of living.

However, purchasing power isn't the same across Texas metros. If you had $100,000 in Austin, it wouldn't have the same value as in Longview, Corpus Christi, and other places in the state.

To compare people's purchasing power depending on where they are, Business Insider calculated what $100,000 means for each Texas metropolitan statistical area when adjusted by its regional price parity. That gives a sense of how much $100,000 at national average prices would actually buy in those cities based on their local cost of living.

Most of the 25 metros in the state had regional price parities below 100 in 2023, data from the Bureau of Economic Analysis showed. That means their price levels were less than the national average.

"Whether you are considering a job offer in a more expensive city, looking for an affordable place to retire, or are just curious about how price levels compare between different parts of the country, our regional price parities can help," Vipin Arora, the director of the Bureau of Economic Analysis, said in a December post.

Texas has long been an attractive state for movers. Census Bureau data showed Texas had the largest positive net domestic migration — or the biggest number of people moving in from elsewhere in the US minus people leaving Texas for another state — from July 1, 2023, to June 30, 2024, among states.

Data from the Bureau of Labor Statistics shows that many kinds of healthcare workers make over $100,000 on average in Texas. Ship engineers, postsecondary business teachers, and management analysts are a few of the other jobs that make over $100,000 on average in the Lone Star State.

The Dallas metro area had the highest regional price parity among the 25 Texas metros. Given the regional price parity for Dallas was 103.3 in 2023, that would mean the adjusted value of $100,000 at average national prices equals around $96,800 in that city.

Below is what $100,000 is worth in cities across Texas, ranked from lowest adjusted value to highest. We also included the 2023 regional price parity for each metro in Texas.

25. Dallas-Fort Worth-Arlington

Regional price parity: 103.293

$100,000 adjusted by RPP: $96,812

24. Houston-The Woodlands-Sugar Land

Regional price parity: 100.220

$100,000 adjusted by RPP: $99,780

23. Austin-Round Rock-Georgetown

Regional price parity: 97.620

$100,000 adjusted by RPP: $102,438

22. Midland

Regional price parity: 94.761

$100,000 adjusted by RPP: $105,529

21. San Antonio-New Braunfels

Regional price parity: 93.727

$100,000 adjusted by RPP: $106,693

20. Tyler

Regional price parity: 92.386

$100,000 adjusted by RPP: $108,242

19. Odessa

Regional price parity: 92.056

$100,000 adjusted by RPP: $108,630

18. Sherman-Denison

Regional price parity: 91.804

$100,000 adjusted by RPP: $108,928

17. Killeen-Temple

Regional price parity: 91.761

$100,000 adjusted by RPP: $108,979

16. Corpus Christi

Regional price parity: 91.306

$100,000 adjusted by RPP: $109,522

14 (tie). San Angelo

Regional price parity: 90.869

$100,000 adjusted by RPP: $110,049

14 (tie). Lubbock

Regional price parity: 90.869

$100,000 adjusted by RPP: $110,049

13. Amarillo

Regional price parity: 90.812

$100,000 adjusted by RPP: $110,118

12. Waco

Regional price parity: 90.786

$100,000 adjusted by RPP: $110,149

11. College Station-Bryan

Regional price parity: 90.701

$100,000 adjusted by RPP: $110,252

10. Victoria

Regional price parity: 90.631

$100,000 adjusted by RPP: $110,338

9. El Paso

Regional price parity: 90.241

$100,000 adjusted by RPP: $110,814

8. Beaumont-Port Arthur

Regional price parity: 90.238

$100,000 adjusted by RPP: $110,818

7. Abilene

Regional price parity: 89.849

$100,000 adjusted by RPP: $111,298

6. Wichita Falls

Regional price parity: 88.914

$100,000 adjusted by RPP: $112,468

5. Longview

Regional price parity: 88.417

$100,000 adjusted by RPP: $113,100

4. Laredo

Regional price parity: 87.786

$100,000 adjusted by RPP: $113,913

3. McAllen-Edinburg-Mission

Regional price parity: 85.555

$100,000 adjusted by RPP: $116,884

2. Texarkana

Regional price parity: 85.308

$100,000 adjusted by RPP: $117,222

1. Brownsville-Harlingen

Regional price parity: 85.183

$100,000 adjusted by RPP: $117,394