• I visited Lapland, Finland's northernmost region, and stayed in an igloo for $150 a night.
• It was much cheaper than other similar accommodations I found in the area.
• The outside temperature was below freezing, but I slept extremely well and had a blast.

I've always dreamed of staying in an igloo. The novelty experience just seems perfectly nostalgic to me — the sort of thing you conjure up in childhood but forget to tick off your list as an adult.

When I booked a trip to Lapland in December, I knew I wanted to make it happen.

Unfortunately, most igloo stays are out of my budget, especially in December, when prices tend to go up due to higher demand. Everything I saw was either close to $800 a night or booked out months in advance.

I almost resigned myself to failure until I stumbled across Lucky Ranch, a family-owned lodge just outside Pyhä-Luosto National Park on the shores of the serene Lake Pyhäjärvi.

Stays in its elaborately carved igloos were available for just $150 a night — and they included breakfast. I couldn't believe my luck.

I arrived early and familiarized myself with the property.

I arrived a little early at "base camp" (a toasty wooden cabin with washroom facilities and a restaurant), where reception staff immediately offered me a hot drink.

A kind employee then offered to take me on a guided tour to get the lay of the land.

Stepping out the back door, I was giddy at the sight of four igloos surrounded by pine trees and strung-up fairy lights. The backdrop of the frozen lake made the novelty accommodation even more impressive.

As the first igloo guest to arrive for the day, I had the pick of the bunch.

The igloos are really just made of snow.

The igloos were a remarkable feat of architecture, a true winter wonderland.

A staff member told me that the lodge savvily creates them by inflating a huge balloon and dumping tons of snow on top. Once the walls are intact, a local artist begins carving unique decorations in each room.

The whole building process takes about a day, and the igloo I stayed in was built only a week before my trip.

It was beautiful inside.

Once I selected my igloo, I got settled in.

There were no doors — I entered my lodging by pulling aside a heavy cloth curtain. Inside, a double bed topped with reindeer pelts sat underneath an ice carving of a horse head, illuminated by delicately hung lights.

Getting ready for bed took a little extra prep work.

Back inside the base camp, I lined my stomach with a hearty Margherita pizza and charged my phone to prepare for my night in the igloo.

Then, I started layering up.

The staff emphasized the risk of frostbite, saying it was vital that I dress appropriately and remain in the sleeping bag overnight. However, the base camp would remain open for anyone who got too cold or needed a complimentary hot drink.

I went with a full-body merino base layer, thermal waterproof trousers, woolen sweaters, and woolly socks. It was hardly my trendiest look, but it was definitely comfortable.

I tested its warmth with regular dashes outside onto the frozen lake, gazing up at the stars and trying to see the northern lights.

It was chilly, but I was surprisingly comfortable.

By 9:30 p.m., it was bedtime. Staff members handed out pillows and sleeping bags with liners, provided a short safety briefing, and offered us hot water bottles.

Once I was tucked in, all my nerves drifted away. Although it was -12 degrees Celsius, or about 10 degrees Fahrenheit, outside, the temperature gauge inside the igloo hovered closer to 3 C.

The cold had a calming effect, and I was surprised at how comfortable I felt.

Scandinavian parents famously let their babies nap outside in prams in freezing temperatures to improve their sleep quality. Over 10 hours of blissful sleep later, bundled in my multiple layers, I could see why.

I woke up feeling refreshed and rested.

The nearby activities were worth getting up for.

Since the igloo was relatively affordable, I had the dispensable budget to treat myself to an optional add-on activity.

After a complimentary breakfast of toast, eggs, and salad, I stored my bags at reception and waited to be picked up for a $60 tour of a husky farm.

I met the dogs and watched training demonstrations while drinking hot berry juice to warm up. Then, I set off on a quick self-guided hike up the Soutaja Fell.

I can't image any of the pricier options being better than my igloo stay.

Lucky Ranch's location was a dream for adventurous tourists like me. The rural setting was a far cry from the urban bustle of Rovaniemi — where much of Lapland's winter tourism takes place.

I found the experience priceless, which is ironic considering it was one of the most budget-friendly options.

Between the beautiful property and the great night's sleep, I can't wait to come back. Next time, I'd definitely book a longer stay.

• Dana Bull plans to optimize her real estate portfolio in 2025 rather than acquiring more properties.
• She aims to increase revenue by focusing on insurance, taxes, and renovation costs.
• With insurance costs on the rise, any investor can benefit from shopping around.

Dana Bull isn't looking to acquire any more properties in 2025.

The experienced investor built wealth by buying primarily multi-family properties in Massachusetts. She's also a real-estate agent and consultant, and a mother of four. Between her various work projects and renovating her primary residence, she says she has plenty to keep her busy in 2025.

While she's not expanding her doors, she still expects to grow her revenue in the new year.

Any investor can benefit from optimizing what they already own, said Bull: "If you're not going to buy right now — for personal reasons or you just don't like the interest rates or whatever is going on — this could be a good year to just focus on your business, your expenses, and tighten up what you already have."

Specifically, she's looking to optimize in three categories, which could improve her returns significantly.

1. Insurance

Like many investors and homeowners, Bull has seen her insurance rates rise over the past couple of years.

The general trend is that "insurance is harder to get and it's more expensive," she said. "That cost for me has just jumped. It's a big line item. I have had the same provider for the past 10 years, and I need to just go out there and procure quotes and make sure that I'm not getting overcharged for what's being covered."

It can be time-consuming to keep track of each policy and its changes, especially if you own a lot of properties.

"I feel like it's the wild, wild west," said Bull of navigating the insurance world. "Many times, a program that we have a property covered by will just be dropped, or they'll no longer cover that property for reason X, Y, or Z, so it's like this revolving door of making sure that the properties all have coverage — and the right coverage."

She says she's been more "passive" about optimizing insurance in the past, but now that prices are soaring, she plans to shop around and do her due diligence in 2025.

2. Taxes

In addition to insurance, her property taxes have gone up.

"The tax rate has not gone up, but the value of the properties has gone up so significantly that you're just paying thousands more a year for taxes," explained Bull. One of her properties, for example, will cost an extra $2,000 a year. "If I multiply that across my whole portfolio, that's a lot of money."

If you think your property is overvalued, you can appeal your property assessment.

"I think I have a few properties that are overvalued," said Bull. "Some aren't, so obviously there's nothing to do there. But if I can make a case and bring in comps and show them this is an overvaluation and now I'm being taxed higher than I probably should, I have found in the past that if you're just a squeaky wheel, they'll work with you."

3. Renovation costs

Bull has seen the availability and cost of hiring contractors vary dramatically over her investing career.

"When I first started in real estate, which was at the tail end of the recession, contractors were out of work, and they needed work, so the pricing was way different 10 years ago than it is today," she said. "And then during the pandemic, everybody was renovating their home and contractors had such a surplus of work that they could basically charge whatever they wanted, and you were going to pay it because you were desperate."

Heading into 2025, "the tides are kind of turning," she said, in that contractors won't be able to pick their price.

It's worth it to shop around, said Bull, adding that you may be surprised by the varying prices you receive. For example, she had to replace three roofs for one of her multi-family properties: "One quote came in at $30,000, another came in at $21,000, and then another came in at $12,000. And I'm reviewing the quotes and pretty much everything is the same. The product is the same."

While meeting with multiple contractors can be "a pain in the butt," she acknowledged, it could mean tens of thousands of dollars in savings.

The Supreme Court on Friday agreed to review a challenge to the Affordable Care Act's requirement that insurers cover certain recommended preventive services at no cost.

Why it matters: Eliminating the requirement could limit access to services like cancer screenings, preventive medications for heart disease, behavioral health counseling and HIV drugs known as PrEP.

• The timing of the high court review puts the legal defense of the ACA mandate in the hands of the incoming Trump administration.

Zoom in: The case takes up whether the coverage requirement, based on the recommendations of the U.S. Preventive Services Task Force, is invalid because the panel lacked authority since its members weren't Senate-confirmed.

• Two Christian-owned companies and several individuals sued the federal government on religious freedom grounds in 2020 over the requirement that their employer-sponsored insurance cover no-cost preventive medicines for HIV.
• A federal judge in Texas in 2022 ruled in favor of the plaintiffs and blocked the government from requiring insurers to provide free coverage of recommended services.
• The 5th U.S. Circuit Court of Appeals last year agreed with some of the arguments but overturned the nationwide injunction, only blocking the requirement for the companies and individuals who brought the case.

The Biden administration and the challengers each asked the Supreme Court to review that mixed ruling. The administration argued it called into question insurers' legal duty to cover task force recommendations without cost-sharing.

• Allowing employers to exclude PrEP over religious objections could open the door to objections over other covered services, including vaccines, KFF has noted.

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• The war in Ukraine has given rise to explosive-packed drones modified with fiber-optic cables.
• These drones are dangerous, as they can't be jammed with electronic warfare and are harder to detect.
• But one Ukrainian company is developing a solution so front-line soldiers can find the drones.

Russian forces are using explosive-packed drones connected to their operators by fiber-optic cables to deliver unjammable precision strikes on Ukrainian troops and military equipment, and Kyiv is looking for a fix to fight back.

Fiber-optic drones have been increasingly appearing in combat over about the last year, and they're a challenge. These drones are dangerous because they can't be jammed with traditional electronic warfare and are difficult to defend against, highlighting the need for a solution.

The drones are "a real problem" because "we cannot detect and intercept them" electronically, Yuriy, a major in an electronic-warfare unit of the Ukrainian National Guard, told Business Insider. "If we can see, we can fight."

The problem is one that the defense industry is looking into closely. Kara Dag, for instance, is an American-Ukrainian technology company that's developing software and hardware to defend against Russian drones for the military and working on a solution, but it's still early days.

The company's chief technology officer, who goes by the pseudonym John for security purposes, said the ongoing conflict is a "war of drones." He told BI Ukraine had managed this fight well with jamming techniques, but Russia has found ways to slip past some of its defenses.

Fiber-optic drones, which Russia appears to have started flying into battle last spring, are first-person view, or FPV, drones, but rather than rely on a signal connection, they are wired with cables that preserve a stable connection. As a result, these drones are resistant to electronic warfare, like radio frequency jammers, and produce high-quality video transmissions.

In August, combat footage from Russian fiber-optic drones began to circulate, indicating a more lasting presence on the battlefield. Now, both militaries are using these drones.

Fiber-optic drones are highly dangerous, John said, as they can fly in tunnels, close to the ground, through valleys, and in other areas where other drones might lose connection with their operators. They are also tough to detect because they don't emit any radio signals.

Russia can use these drones to destroy Ukrainian armored vehicles and study its defensive positions, he said. Since they don't have bandwidth problems, these drones "can transmit very high-quality picture and they literally see everything."

The drones aren't without their disadvantages, though. Yuriy shared that the fiber-optic drones are slower than the untethered FPV drones and unable to make sharp changes in direction. He said that Russia does not have too many of these drones, either, nor does it use them in every direction of the front lines. But where they are used, they're a problem.

Because jamming doesn't work on fiber-optic drones, there are efforts underway to explore other options for stopping these systems, such as audio and visual detection. But this kind of technology can be expensive and hard to manufacture.

John said that the company has developed a low-cost solution to find fiber-optic drones. One element of this system is an array of dozens of microphones that can be focused on one point in the sky to listen for any nearby drones. The second element is an unfocused infrared laser that highlights any object in a certain area of the sky while a camera records any reflected light coming back.

It's a single device that can be placed around a kilometer from troop positions. John said the device is in lab testing, and the next step is to deploy it in real combat conditions on the front lines next month. The plan is to eventually produce several thousand of these devices every month.

The introduction of fiber-optic drones into battle — and Ukraine's subsequent efforts to counter them — underscores how both Moscow and Kyiv are constantly trying to innovate with uncrewed systems before the enemy can adapt, a trend that has been evident throughout the war.

In a previous interview with BI, Mykhailo Fedorov, Ukraine's minister of digital transformation, described the technology and drone race playing out in this fight as a "cat-and-mouse game." He said that Kyiv is trying to stay several steps ahead of Moscow at all times.

The Ukrainian military said last month that it was testing fiber-optic drones, adding that "FPV drones with this technology are becoming a big problem for the enemy on the front line."

On Tuesday, a Ukrainian government platform that facilitates innovation within the country's defense industry shared new footage of fiber-optic drone demonstrations on social media. Russia, if it's not already, may soon find itself working to counter these new drones as well.