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My family loves my 20-minute lentil stew. It's protein-packed, easy to make, and endlessly adaptable for winter.

hand stirring a big pot of lentil stew
Lentil stew is high in protein and easy to make.

Steven John

  • My homemade lentil stew comes together in 20 minutes, and I make it every winter.
  • You can add a myriad of different leftover vegetables from your fridge or freezer.
  • The stew can be served over noodles or rice or with a side of bread to make a heartier meal.

If you're looking for a comforting, nourishing, and warming winter meal for those dark, frosty nights, my easy lentil stew is the perfect choice.

Lentils are a great source of plant-based protein, and alongside the veggies and a side of carbs, they make for a filling and satiating dinner. Plus, it only takes 20 minutes to make.

I whip up a pot of my family's favorite lentil stew any day I need a nutritious meal on the table quickly, which is at least once a week during the colder months.

Here's my simple recipe that serves four.

The ingredients are customizable.
ingredients for a lentil stew on a countertop
I like to use a mix of vegetables in my lentil stew.

Steven John

Vegetable broth and dried lentils make up the base of the meal. You can use chicken broth or bouillon cubes, but I've always liked that this is a vegan-friendly dish.

From there, you can get pretty creative with the rest of the ingredients in this stew.

I typically use carrots, potatoes, celery, onion, and kale, but broccoli, peas, spinach, parsnips, or peppers would also be good. Basically, you can clear out whatever leftover produce you have in your fridge or freezer.

Bring 4 cups of broth to a boil in a large pot and add 2 cups of lentils.
big jar of mixed lentils
I keep a big jar of mixed lentils in my pantry.

Steven John

The first step is simple: Pour 4 cups of broth into a large pot. Resist the urge to salt itβ€” that will come later.

Once the broth is at a rolling boil, add 2 cups of dried lentils. I use a blend of brown and green, but it's totally up to you and your preferences. You could also add some split peas to the mix.

Reduce the heat to an energetic simmer before moving on.

Chop two medium carrots.
chopped carrots on a cutting board
I like to chop my carrots into disc shapes.

Steven John

As the lentils begin to cook, peel and chop two carrots.

I like to cut them into coins roughly an eighth of an inch thick, but if you have stockier carrots, you can also split them lengthwise first.

Dice a medium-sized potato.
diced potatoes on a cutting board
I use russet potatoes for my stew.

Steven John

Peel and dice one medium-sized potato β€” I usually use russet β€” and add the pieces to the simmering water.

You can also use a couple of smaller potatoes, like red or Yukon Gold, if that's what you have.

If it suits the palates at your table, double the amount of potato. My family isn't huge on tubers, so I go lighter, but I don't recommend skipping them entirely because they add a nice texture.

Chop two celery stalks.
chopped celery on a cutting board
I try to find two hearty celery stalks at the store.

Steven John

Rinse and chop two celery stocks (or three if they're on the smaller side) and toss them into the pot.

Pro tip: You can use frozen celery, but if you do, add it later, just before the kale. Freezing celery breaks down some of its cellular structure, so it could overcook if added here.

At this point, roughly 10 minutes into the cooking process, things should be moving and grooving.

Finely dice half of an onion.
diced onion on a cutting board
I prefer yellow onions for my stew.

Steven John

Peel and finely chop half an onion for the stew.

You can use a yellow or a white onion, though I find yellow fits the flavor profile better.

The measurement here isn't overly specific. If your onion is quite large, use less than half, and if it's smaller, use more than half. When in doubt, err on the side of adding more.

Chop and add about 2 cups of kale.
chopped kale on a cutting board
Make sure to add the kale last.

Steven John

Last come the greens. I recommend tearing the kale off its stalks and roughly ripping up the leaves before chopping it up into smaller bits.

Add the kale to the stew and stir it well, incorporating all the pieces of the thick, leafy green into the mix.

Let it all simmer, season as needed, and enjoy.
lentil stew in a pot on the stove
The stew is quick and delicious.

Steven John

Give the stew two to three minutes over a low simmer for all of the flavors to coalesce, stirring occasionally. Then taste and add salt and/or pepper to your liking.

I like to dole out portions into pre-chilled bowls (this stuff gets quite hot) before serving my family.

If I want to beef up the meal a little, I'll pair it with homemade bread, noodles, or rice, but it's also great as-is β€” especially if you went heavy on the potatoes,

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I've visited dozens of US cities, but this charming, southern town with a walkable downtown was my favorite

Buildings and trees surround a small bridge and waterfall in a clean city.
I love so many things about Greenville, South Carolina.

DenisTangneyJr/Getty Images

  • After visiting dozens of US cities, Greenville, South Carolina, is one of my favorites.
  • The city has a walkable downtown area and lots of great opportunities to get outside.
  • If I could only go back to Greenville for one thing, it would be the food.

The first time I visited Greenville, South Carolina, I was shocked in the best way possible. As someone who has traveled the US extensively, I didn't expect to find a perfect blend of southern charm, big-city amenities, and vibrant art and culture all in one place.

After a few days of exploring the city, I fell in love. With a walkable downtown, incredible food, and endless opportunities for adventure and entertainment, Greenville is a destination that I recommend to anyone looking for a relaxing vacation, a quick trip with friends, or a family getaway.

Here are five reasons Greenville is one of my favorite US cities.

The city has a charming, walkable downtown.
An aerial view of a city with a river running through it and people walking along an adjacent path.
Downtown Greenville is the perfect blend of small-town charm and big-city perks.

Jack Robert Photography/Getty Images

Greenville's downtown is made up of tree-lined streets dotted with boutique shops, great restaurants, and plenty of entertainment options, all connected by pedestrian-friendly sidewalks.

I was immediately impressed by how walkable the city is β€” no rental car or rideshare is needed if you're staying downtown.

What really makes the city unique is its blend of small-town charm and big-city perks. I love visiting small, southern towns, but I often miss the energy and amenities of big cities. Greenville has the best of both worlds.

One local summed it up perfectly when she told me, "Greenville has enough city to keep me busy and enough country to keep me happy."

Every corner of downtown has something new to discover. I found myself sipping Butterbeer at a Harry Potter-themed pop-up speakeasy hidden inside The Press Room, laughing late into the night at The Comedy Zone, and even testing my aim at an indoor archery range right outside town.

There's no place quite like Falls Park on the Reedy.
A waterfall in the middle of a park, surrounded by trees, grass, and walking paths.
Falls Park on the Reedy is a nice reprieve from the hustle and bustle of the city.

Thom_Morris/Getty Images

Falls Park on the Reedy is a beautiful urban green space in the heart of downtown Greenville.

The Reedy River weaves through the city, flanked by walking paths, gardens for picnicking, and the iconic Liberty Bridge β€” a curved suspension bridge overlooking the waterfalls below and offering one of the best views in town.

The park is also connected to the Swamp Rabbit Trail, a 28-mile walking and cycling path that stretches beyond the city.

Renting a bike and following the Swamp Rabbit is the perfect way to immerse yourself in nature without having to drive outside town.

Greenville has an unmatched food scene.
A bowl with shrimp, shredded vegetables, sauce, and a piece of bread on a table set with silverware.
Greenville has lots of options for food.

Gentry Hale

If I could only go back to Greenville for one thing, it would be the food.

Every meal I've had in the city has been unforgettable, but the variety is what stands out most. Whether you're craving fine dining, comfort food, good beer, or anything in between, Greenville delivers.

From the mouthwatering tapas and desserts at Camp to the melt-in-your-mouth hot chicken and southern soul food from Rocky's Hot Chicken Shack, the city is bursting with culinary creativity.

The city is a jumping point for outdoor adventure.
A lookout point featuring greenery-covered mountains in Caesars Head State Park.
There's so much natural beauty surrounding Greenville.

Sean Pavone/Shutterstock

Another one of my favorite things about Greenville is its proximity to outdoor adventure. The Blue Ridge Mountains are just a short drive away, offering some of the best hiking and biking in the region.

Within an hour, you can also reach six easily accessible state parks, each with its own unique trails, waterfalls, and outdoor activities.

Greenville is a welcoming community with a rich culture.
A colorful mural on the side of a building with the word "Greenville," a brown rabbit with a shadow of a hand giving bunny ears, and a waterfall.
There's a big focus on arts and culture in Greenville.

Gentry Hale

Greenville's charm isn't just in its scenery β€” it's in the people. The locals I met were friendly, welcoming, and excited to share recommendations or just say hello.

Almost everywhere I went, I found myself having wonderful conversations β€” which isn't always the case as a tourist in a new place. That warmth and friendliness made the city feel approachable in a way that is hard to find.

There's also a big focus on the arts and culture in Greenville, with galleries, live music, and community festivals everywhere you look.

The Greenville Center for Creative Arts quickly became one of my favorite places to visit, and I loved admiring the Native American art collection displayed throughout the Grand Bohemian Lodge.

Whether it's a free concert on Main Street, a jazz performance at a local venue, or a lively street market, Greenville always seems to have something going on. It's a city that feels alive without being overwhelming β€” the perfect balance of energy and comfort.

Read the original article on Business Insider

Biden announces fresh AI chip export controls

Nvidia
Biden announced new limits on AI chips made by manufacturers, including Nvidia.

Justin Sullivan/Getty Images

  • Biden announced new AI chip export curbs to limit access for China and Russia.
  • The restrictions aim to concentrate advanced AI development in US-allied countries.
  • About 15% of Nvidia's revenue last quarter came from China and Hong Kong.

President Joe Biden has announced one more round of export restrictions on artificial intelligence chips set to affect those made by Nvidia and AMD, with the goal of limiting China and Russia's access to chips for training AI models and powering data centers.

According to a White House announcement on Monday, chip sales to 18 US allies will be free of restrictions, and controls will not apply to chip orders below certain computation thresholds.

The new rules, which also aim to help businesses around the world align with American standards, are set to take effect 120 days from publication.

Under the proposed restrictions, entities located outside close US allies can continue to purchase up to the equivalent of 50,000 advanced graphics processing units, or GPUs, per country.

Nvidia criticized the restrictions in a blog post published on Monday. Ned Finkle, Nvidia's vice president of government affairs, called the rules "unprecedented and misguided" and warned they "threaten to derail innovation and economic growth worldwide."

"While cloaked in the guise of an 'anti-China' measure, these rules would do nothing to enhance US security," Finkle said. "The new rules would control technology worldwide, including technology that is already widely available in mainstream gaming PCs and consumer hardware."

Revenue from China and Hong Kong made up 15% of the company's sales, or $5.4 billion, in the three months ending October 27. Nvidia generated the bulk of its business β€” 42% β€” in the US that quarter.

The new policy adds to a list of US curbs already in place to prevent adversary countries from using advanced AI to modernize their militaries. In November 2023, the US Department of Commerce implemented the Advanced Computing Chips Rule, which allows Nvidia and others to only sell a less-powerful version of its chip in China.

But that has not stopped access completely.

In August, a New York Times investigation found that a network of companies has found ways around the ban. The group is selling Nvidia's most advanced chips to state-affiliated groups in China.

The Biden administration has boosted the industry domestically with tax breaks and subsidies.

It has provided American chipmakers with close to $30 billion in subsidies as part of theΒ 2022 CHIPS Act, a $280 billion package to support semiconductor innovation in the US. Intel, Micron, AMD, and Microchip Technology are among the direct beneficiaries.

President-elect Donald Trump has criticized the CHIPS act and said that the government should have implemented tariffs instead to motivate overseas chipmakers to build more factories in the US, a move he said would create jobs.

Read the original article on Business Insider

UFC legend Khabib Nurmagomedov was removed from a Frontier Airlines flight after an exit-row dispute

Khabib Nurmagomedov submitted Conor McGregor in 2018.
Khabib Nurmagomedov, a former MMA fighter, said he was kicked off a Frontier Airlines flight.

Photo by Getty Images

  • Khabib Nurmagomedov says he was removed from a Frontier Airlines flight after a dispute.
  • The former MMA star said the crew was rude and questioned his seating in the exit row.
  • Frontier Airlines said it is investigating the incident, which was widely shared in a video online.

Former Russian mixed martial arts star Khabib Nurmagomedov was removed from a Frontier Airlines flight following a dispute with crew.

The UFC lightweight champion, who retired with a perfect 29-0 record, wrote in an X post on Monday that he resorted to flying with another airline after being deplaned.

In a video widely circulated online, Nurmagomedov is seen sitting in the cabin's emergency exit row and talking to a crew member.

The female crew member can be heard in the video explaining to him that flight attendants were "not comfortable" with him sitting in the exit row. She can then be heard saying he would have to either switch his seat or he would need to get off the plane.

"It's off of their [the flight attendants] judgment," the staff member can be heard saying.

"It's not fair," Nurmagomedov said, per the video, before choosing to be escorted off the plane.

Initial reports suggested that the incident took place on an Alaska Airlines flight, but Nurmagomedov later clarified on X that it occurred on a Frontier plane.

"Lady who comes to me with questions was very rude from the very beginning, even though I speak very decent English and can understand everything and agreed to assist, she still insists on removing me from my seat," he said in an X post.

"What was the base for that, racial, national or other one, I'm not sure," Nurmagomedov added.

In the video circulated online, the staff member can be heard saying that the crew's request is "not about the language" after Nurmagomedov says he speaks English.

First of all, I need to clarify that it was @FlyFrontier not AlaskaAir.
Lady who comes to me with questions was very rude from the very beginning, even though I speak very decent English and can understand everything and agreed to assist, she still insists on removing me from my…

β€” khabib nurmagomedov (@TeamKhabib) January 12, 2025

The 36-year-old fighter said that after two minutes of conversation, the airline staff member called security, and he was "deplaned" from the aircraft.

After an hour and 30 minutes, Nurmagomedov, nicknamed "The Eagle," said he boarded a different flight and flew to his destination.

Various media reports suggest the Frontier flight was from Las Vegas to Los Angeles.

He wrote that he did his best to "stay calm and respectful," adding, "but those crew members could do better next time and just be nice with clients."

"We are aware of the incident and are investigating. We have refunded the customers and will follow up with them directly," Frontier said in a statement sent to Business Insider.

Read the original article on Business Insider

I make $1 million a year writing rΓ©sumΓ©s. My mortgage is paid off but I have no work-life balance.

Couple posing for photo
Richard Lambert gets most of his work through Fiverr.

Courtesy of Lani Johnson

  • Richard Lambert is a rΓ©sumΓ© writer who gets most of his work on Fiverr.
  • He charges about $85 for a basic rΓ©sumΓ© and has made over $1 million yearly since 2020.
  • His home and vacation property are paid off, but he works every day.

This as-told-to essay is based on a conversation with Richard Lambert, owner of Lambert Resume. It has been edited for length and clarity.

I grew up in a middle-class family in a small town. When my mom opened a savings account for me at a local bank, I loved watching my savings go up in my passbook.

I started asking very practical questions, like how much a front door cost. I was shocked by how expensive things were compared to what was in my savings account. That gave me a sense, even as a kid, that I needed to buckle down and keep my nose to the grindstone.

My dad didn't teach me much about finances, but he always taught me to just show up for work. I've certainly done that. I haven't had a day off since 2016.

I started writing rΓ©sumΓ©s on the website Fiverr back in 2014, charging about $45 each. Today I charge about $85 for a basic rΓ©sumΓ© and more for other services like cover letters. As I did more work, the algorithm rewarded me, especially after I acquired more than 25,000 five-star reviews. In 2022, I grossed $1.1 million by writing rΓ©sumΓ©s. Now, as I approach 40, I'm a multimillionaire with two mortgages paid off.

I paid off my home, although I could have made more investing

Even before I started having seven-figure years, Fiverr was impacting my life. By 2020, I was a millionaire. Although I hate to say it, the pandemic was really good for my business. My net worth has just increased since then, but I still think of myself as a baby millionaire.

In 2017, my wife and I were in a near-fatal motorcycle accident. I worried about what would happen to my wife and daughter β€” who is now 6 β€” if I died. Although my wife also works, I feel a strong urge to provide financially for my family. So much falls on mothers when it comes to caregiving, so as a dad, I think, "If I'm not providing financially, what am I doing?"

After the accident, my wife and I decided to pay off our home. At the time, mortgage rates were low, and I could have likely made more money investing in the market. One of my wealthy friends kept reminding me about that. But I liked the peace of mind from knowing that if anything happened to me, or this income stream suddenly disappeared, my wife and daughter wouldn't have to move.

I made a deal with the devil

Work-life balance just doesn't exist for me. I made a deal with the devil: I have a wonderful income, but I have to work every day. I haven't had a day off since 2016, including when I was in the intensive care unit after that motorcycle accident. That's the nature of this business. You need to be responsive to customers.

At the same time, I have some flexibility. I don't have set hours, so I can pick my daughter up from school. I'm at every game or school performance she has. But I'm constantly working outside those times.

I'm willing to spend on my family

I'm conservative with how I spend my money. A huge chunk goes into retirement accounts. I bought two rental properties but sold them (for a small profit) after the motorcycle accident. I found that being a landlord wasn't really passive income.

I drive a 20-year-old Lexus. I bought it because I like its vintage appeal and because it gives me a little dose of fun.

I'm willing to spend money on some things, mostly on my family. My wife drives a new Volvo XC-90, and I like knowing she and our daughter are safe in that. Last summer, we bought a small lake house in my hometown. We briefly had a mortgage, but we paid it off within three months.

I'm not flashy, but I value real connection with my small circle of friends and family. I love summers at the lake with my daughter, tubing, boating, and spending time together. We have a Jet Ski coming for next summer. Summer at the lake wasn't something I was afforded as a kid, and I'm glad I can give it to her. Already, the memories we've made there are invaluable.

Read the original article on Business Insider

BMW and Porsche have a China problem. They're not the only ones.

Porsche Taycan
Porsche on Monday said its deliveries in China fell by 28% in 2024.

John Keeble/Getty Images

  • Porsche and BMW are the latest automakers to report sliding sales in China.
  • The rapid rise of domestic EV makers such as BYD has put the squeeze on foreign competitors.
  • Volkswagen, Toyota, and Honda have suffered, and GM took a $5 billion hit on its Chinese business.

Porsche and BMW have become the latest European carmakers to report sliding sales in China.

The two German automakers on Monday said their respective sales in the world's largest auto market fell by 28% and 13.4% in 2024 compared with the previous year, with Porsche blaming a "continuing challenging economic situation" in China for the slump.

The hit in China was so large that it caused Porsche's global deliveries to fall by 3% despite growth in every other market.

Porsche and BMW aren't the only automakers that have witnessed alarming plunges in their Chinese sales in recent months.

Volkswagen, Porsche's parent company, posted an 8.3% decline in sales in China, its largest market, in 2024. Mercedes reported a 7% annual decline, while their Japanese rivals Toyota and Honda also suffered sizable declines in deliveries.

Once dominant in China, foreign automakers are being increasingly squeezed by local competitors, with the likes of BYD and Xiaomi offering high-tech electric options at low prices.

Known for affordable EVs such as the $10,000 BYD Seagull and the $30,000 Xiaomi SU7, many of these companies are now expanding into the luxury market, putting them in direct competition with European manufacturers such as Porsche and BMW.

BYD has released several luxury models under its Yangwang line, including the pothole-hopping U9 sports car and the drone-carrying U8 SUV, while Xiaomi launched a $114,000 luxury version of its best-selling SU7 sedan in October.

BYD Yangwang U8
The BYD U8 SUV in display in China.

John Keeble/Getty Images

That has put foreign manufacturers like Porsche and BMW, each of which counted China as its second-largest market in 2023, in a bind. Many are now rolling back their investments in the country and tearing up their strategies as a result.

General Motors said in December it would take a hit of more than $5 billion on its business in China, with the Detroit automaker closing factories and cutting costs at its joint venture with China's SAIC Motor after it lost $347 million in the first nine months of 2024.

Other brands have fostered closer ties with Chinese companies. Volkswagen announced last week it would partner with the electric-vehicle maker Xpeng to build a network of superfast charging stations in China.

Porsche and BMW did not immediately respond to requests for comment.

Read the original article on Business Insider

LA landlords are price gouging in the wildfires, says 'Selling Sunset' star Jason Oppenheim

Jason Oppenheim attends the amfAR Cannes Gala 30th edition Presented by Chopard and Red Sea International Film Festival at Hotel du Cap-Eden-Roc
Jason Oppenheim of Netflix's "Selling Sunset" spoke out against price gouging in Los Angeles.

Gisela Schober/Getty Images

  • Jason Oppenheim has accused Los Angeles landlords of illegal rent hikes amid the wildfires.
  • California law prohibits rent increases of over 10% after an emergency is declared.
  • Gov. Gavin Newsom has extended the price-gouging ban until January 2026.

Jason Oppenheim, star of Netflix's "Selling Sunset," has accused Los Angeles landlords of illegally price gouging rental rates amid the city's devastating fires.

In an interview with the BBC's Laura Kuenssberg on Sunday, Oppenheim, who co-runs the Oppenheim Group with his twin brother, called for the exploitative practice to be exposed.

"We're having landlords taking advantage of the situation," he said.

The LA fires, which began nearly a week ago, have killed at least 24 people, left dozens missing, and destroyed thousands of structures, including homes. The total area burned is now larger than Paris.

Oppenheim shared the example of a client who went to view a rental property that was initially asking for $13,000 a month. He said his client offered $20,000 a month and six months of rent paid upfront, but the landlord responded by asking for $23,000 a month.

"There are price-gouging laws in California that are just being ignored right now," he said. "This isn't the time to be taking advantage of situations, and it's also illegal to take advantage of a natural disaster."

Landlords are "absolutely" breaking the law, Oppenheim added.

When California Gov. Gavin Newsom declared a State of Emergency on January 7, it automatically triggered a California law restricting price gouging for housing, emergency supplies, and other necessities for up to 180 days.

California's price gouging laws make it unlawful to increase the rental price advertised, offered, or charged for housing by more than 10% after an emergency has been declared.

Newsom also signed an executive order on Sunday prohibiting price gouging "in times of emergency" that would remain in effect until January 7, 2026.

A violation of the price-gouging rules is punishable by imprisonment in a county jail for up to a year, a fine of up to $10,000, or both.

On Saturday, California Attorney General Rob Bonta said he had seen businesses and landlords "jack up the price."

He said, "It's called price gouging. It is illegal. You cannot do it."

Bonta said that anyone engaging in price gouging would be held accountable.

Displaced residents in LA are scrambling to find rental housing near their schools and workplaces, driving up demand and, in some cases, hiking prices way beyond what is legal. Local publication the LAist spotted a Zillow listing for a home in Bel Air that had its price hiked by 86%.

And with the fires still raging, the situation could get worse.

Although firefighters have made progress in containing the blazes, authorities have warned that dry winds picking up could complicate efforts to control the situation.

Pacific Palisades, home to some of the country's most expensive real estate, has been among the worst-hit areas, and celebrities including Paris Hilton, Billy Crystal, and Milo Ventimiglia, have lost their homes.

Read the original article on Business Insider

China's trade surplus surged close to $1 trillion, days before Trump's big new tariffs are due to land

Chinese car export ship
A ship loaded with vehicles for export leaves Taicang Port in Suzhou, China, in 2024.

VCG/VCG via Getty Images

  • China's trade surplus reached a record 7.06 trillion yuan ($990 billion) last year, new data shows.
  • President-elect Donald Trump said he is going to put harsher tariffs on China when he takes office.
  • China's exports have steadily climbed regardless of prior efforts to rein it in.

China's exports reached record levels in 2024 as it braces for new tariffs President-elect Donald Trump said he'll impose after he takes office next week.

According to Chinese government figures released Monday, its exports grew 7.1% to 25.45 trillion yuan last year ($$3.58 trillion), while imports expanded 2.3% to 18.39 trillion yuan ($2.59 trillion).

The difference between those figures equates to a trade surplus of 7.06 trillion yuan ($990 billion).

Business Insider in December reported that China massively boosted its exports as its domestic economy teetered under the effects of property market inflation and sluggish demand.

Chinese exports have surged, particularly in the so-called "global south" of developing non-Western economies, leading several to impose tariffs to protect domestic industries.

The world's second biggest economy, China is a leading exporter of a huge range of manufactured goods, including textiles and electronics and, more recently, solar panels and electric vehicles.

Trump pledged a 10% increase to all tariffs on China, which could deepen the trade war between the economic superpowers.

Last week, following a Washington Post report that some of his aides favored a milder tariff policy, he said any suggestion his plan would be softened is "wrong."

Reuters reported that Chinese exports surged in December 2024 to $104.8 billion, seemingly to pre-empt the tariffs.

"Trade front-loading became more visible in December as a result of both Chinese New Year effects and Donald Trump's inauguration," Xu Tianchen, senior economist at the Economist Intelligence Unit, told the outlet.

Read the original article on Business Insider

Microsoft Word: How to download and use the popular word-processing software and its handiest functions and features

A smartphone displays the Microsoft Word icon, while held in front of a computer screen displaying a blank Word document.
Microsoft Word is perhaps the world's most popular word-processing program, and has been a staple in homes, schools, and offices for decades.

Muhammed Selim Korkutata/Anadolu Agency via Getty Images

  • Microsoft Word is Microsoft's legacy word-processing software.
  • You can access Microsoft Word for free online, or their are paid versions you can download.
  • Microsoft Word has a number of handy features and functions to customize your documents.

Microsoft Word came out during Ronald Reagan's first term in the Oval Office, and in the decades that have passed between then and now, it has become one of Microsoft's most important and successful pieces of software and one of the most-used programs on the planet.

A core program in the Microsoft 365 software suite, along with Excel, PowerPoint, and Outlook, Word is used in homes, schools, offices, government agencies, and beyond. But while Word used to be included with Microsoft Windows, today you have to acquire it separately.

How much does Word cost?

If you want to buy Microsoft Word on its own, you can do so from Microsoft's website. The purchase price is $159.99 and you will own the program outright.

But many people opt for a Microsoft 365 subscription, instead. This costs just $6.99 per month and gives you access to Word, Excel, PowerPoint, Outlook, and OneDrive. That pricing comes out to $83.88 for the entire year, meaning you will be nearing the two-year mark before you pass the $159.99 price of outright buying Word on its own.

There is a way to get Word for free, but only for use online. It will not be downloaded on your computer. Go to Microsoft365.com and click on the words "Sign up for the free version of Microsoft 365."

You will be prompted to create a Microsoft account which you can then use to log in and access Word online for free. You must be connected to the internet and online to use Word for free.

How do I download Word?

Whether you choose to buy Word on its own or subscribe to Microsoft 365, you can do so at Microsoft's website. Just make sure you get the right plan if you are going with a subscription. There are Home plans and Business plans, as you'll see.

What are the best Word shortcuts and features?

There are the basics that are all but universal across Windows products and platforms, like Ctrl + C to copy and Ctrl + V to paste, Ctrl + S to save, and Ctrl + K to insert a link, but Microsoft Word has many lesser-known but highly useful shortcuts beyond the basics.

Hotkeys

Ctrl + A, for example, selects all of the text in a document, while Ctrl + Z undoes the last action. But moving beyond those simple shortcuts, there are more complicated quick actions you can take in Word.

Insert custom text

You can insert custom text, such as a greeting or a signature line, by creating text then using the Insert feature. Click "Insert" in the top taskbar, click "AutoText," and then enter your desired copy into the window that appears. Going forward, you can click "Insert" then "AutoText" to quickly drop in your pre-written words.

A screenshot of a blank Microsoft Word doc shows the "Insert" and "Autotext" buttons emphasized with red boxes and arrows.
Insert custom text in your Microsoft Word docs, such as greetings and signature lines.

Michelle Mark/Business Insider

Watermarks

To add a watermark that helps protect your document from being copied, you can click on the "Design" tab at the top of Word, then click "Watermark" on the top right of the application. Then choose an image or add text that will be faintly imprinted behind your copy.

There are many more fun and useful Word features, of course, so explore more yourself.

Microsoft Word vs. Pages vs. Google Docs

These other common word-processing programs have plenty to offer, though if your primary focus is creating and editing crisp, professional written documents, Word is likely the best bet.

Google Docs offers the same basic word processing features as Word, but it has fewer templates, text editing tools, tables, and other enhancements useful for complex documents. That said, Google Docs is far better for collaborative work, especially when a team is remote, and it's free.

Pages is Apple's primary word processing platform and it is free with a Mac, iPad, or iPhone, and it's easier to use than Word, especially for people who are not highly tech savvy. But it's also more limited in features, and the documents created in Pages don't transfer well to other operating systems or platforms, so they usually need to be converted to Word docs anyway if they will be shared.

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If you're taking a trip to the UK anytime soon, make sure you've signed up for its new electronic entry form

Two double-decker buses pass over London Bridge with the UK Houses of Parliament in the background.
Americans traveling to the UK now need to apply for an ETA.

Sylvain Sonnet/Getty Images

  • Americans visiting the UK now need to apply for an Electronic Travel Authorization.
  • It's also necessary if you have a layover at an airport in the UK.
  • Applying costs about $12 and should only take 10 minutes using the app.

The UK has changed its entry requirements, so most visitors need to apply for permission to travel to the country.

This is also necessary if you have a layover at a UK airport.

It encompasses all parts of the UK β€” England, Scotland, Wales, and Northern Ireland β€” as well as British Overseas Territories, which include Anguilla, Bermuda, the Cayman Islands, and Turks and Caicos.

As of January 8, US and Canadian citizens are among 48 nationalities who will need an Electronic Travel Authorization (ETA).

It is similar to systems already used in the US and Canada, as the UK is moving to a digital border system.

You would be exempt if you have a UK visa or legal residency or if you are traveling on an Irish passport.

Otherwise, you must apply for an ETA before you travel to the UK.

How to apply for a UK ETA

It shouldn't take longer than 10 minutes to apply β€” although there is a fee of Β£10, or around $12.

The easiest way to apply is through the government's mobile app called "UK ETA." If you can't download the app, you can also apply through the UK government's website.

You first need to take a picture of your passport's photo page.

If you have a biometric passport, shown by the e-passport symbol on the cover, then the app can scan it.

You then scan your face with your phone's camera and take a photo of yourself.

You will also need to answer questions about your address, job, criminal history, and any other nationalities. If you're under 18, you also need to give contact details for someone with parental responsibility for you.

Afterward, you'll get an email confirming your application. Another will arrive when a decision has been made β€” usually within three working days.

What you can do with an ETA

The ETA is valid for two years, during which time you can travel to the UK as much as you want.

You can stay in the UK for up to six months for tourism, visiting family and friends, business, or short-term study. You can also transit through a UK airport.

With an ETA, you can't do paid or unpaid work in the UK unless you're doing a permitted paid engagement or have a Creative Worker visa concession.

You can travel to the UK while awaiting a decision as long as you've already applied.

Being approved for an ETA doesn't guarantee entry to the UK, as you'll still need to pass border control.

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We work remotely, so we moved from the US to Morocco. We plan to stay for years.

Arleevia and Ricoyo Lyles
Arleevia and Ricoyo Lyles have enjoyed exploring Tangier, Morocco.

Courtesy Arleevia and Ricoyo Lyles

  • A couple moved from the US to Morocco for a better lifestyle and work-life balance.
  • They work remotely, allowing them time to enjoy the country's late-night culture and leisure.
  • They're expecting a baby, so they value Morocco's safety, healthcare, and family-oriented culture.

This as-told-to essay is based on a conversation with Arleevia and Ricoyo Lyles. The couple moved from the US to Tangier, Morocco, in November. Arleevia, 26, works in marketing, and Ricoyo, 40, works in finance. Both work remotely in jobs focused on the US, and they're expecting a baby in April. The couple posts on YouTube about their experience living abroad. The following has been edited for brevity and clarity.

Ricoyo: After spending a few days here during our honeymoon, we fell in love with the culture, the people, and the food. I was joking with Arleevia when I asked her, "Hey, what do you think about moving to Morocco?" I didn't think I would get the response that I did. That sparked us going down the rabbit hole of "What if we actually moved here?"

Arleevia: We work remotely, so we thought it was feasible. We didn't own any property in the US. It was simply a conversation with my employer. They said, "As long as you get your work done." Ricoyo has his own financial firm that he had just started, so he's his own employer. So, for him, working remotely wasn't an issue. He works on US Central Standard Time. He works from about 4 p.m. until about 2 or 3 a.m., and he's up by 11 a.m. the next day.

Ricoyo: We were living in Nashville. We had been there for about three years, and then we relocated back to my hometown of Las Vegas right before moving to Morocco.

My biggest concern was, "Am I going to be falling asleep talking with clients?" But we've adjusted to it. It's almost turned into an evening-type position. It's funny because the culture here is kind of a late-night culture anyway. At night, there are still people in the cafΓ©s drinking coffee and going out to restaurants. My schedule almost fits with the vibe of the city.

Arleevia: We're still able to go out, explore the city, and hang out with friends in the afternoon if we want to. I work in the morning and often close out in the evening because I'm not on as many client calls as he is. We've been able to acclimate and socialize.

They have a healthy work-life balance here. Yes, they work very hard, but also they believe in leisure and rest. You see a lot of people out during the day β€” at cafΓ©s drinking tea together. A lot of men will be out, and they'll go back to work. Having that kind of influence has been very helpful for us to be like, "OK, we can take a break from work." We don't have to grind, grind, grind, like we did in the US.

Ricoyo: The priority of family feels like it's so much higher on the list. Even just seeing families out and about is a super-calming thing. We went to a park the other day, and we were thinking, "When was the last time we saw this many kids at a park?"

From the standpoint of raising a child here, that would be a great thing for our daughter.

From a safety and crime standpoint, it's a very low crime rate.

Arleevia: When it comes to gun violence, especially, we don't have to think about that. We just feel a lot safer.

Also, the healthcare is amazing. We had to find a gynecologist. We were not expecting it to be as amazing as it was. I've had the most thorough doctor experience of my life. In the US, my appointments for baby checkups would be five to 15 minutes, on average. Here, we spent 45 minutes to an hour with our doctor. She was so thorough, cared so much, and was deeply invested in answering every question I had.

Arleevia and Ricoyo Lyles
Arleevia and Ricoyo have found their quality of life in Morocco is high.

Courtesy Arleevia and Ricoyo Lyles

Ricoyo: I was always conditioned that it doesn't get better than the US, that nowhere else has the luxuries that we have in the US. Yet in terms of the lifestyle, in Morocco the food quality, for example, seems so much better.

Arleevia: Even when it comes to customer service and how they treat people, it's with such respect and care β€” and they make sure that everybody feels supported. I feel like that comes through in people being able to take time away from work and spending time with their family.

Ricoyo: I set my own schedule, and sometimes Arleevia will be like, "Hey, babe, maybe don't book as many meetings today. Let's go and do something and explore a little bit." So, she kind of keeps me grounded. Otherwise, I'll work the day away.

There are other differences. For example, in terms of race, it's not something that you're thinking about as soon as you meet somebody. Here, they seem to think more in nationality, if anything. They're thinking, "Are you from Senegal? Are you from the US?" Even then, many people seem to love other countries.

Going back to safety: As a Black man, that's something that I always had in the back of my mind. Being here, we don't have to think about that as much, if at all. It's been nice to just interact human-to-human and then try to connect with your experience versus the stereotype behind your skin color.

In the US, when a complete stranger approaches me, it's kind of like I'm on guard. But here, you just meet some of the most amazing people who take time out of their day. They'll be like, "Hey, let me show you something around here." I find myself having to lower my defenses. I will stop and spend time and talk to them and enjoy cups of tea.

When my friends ask me what it's like living here, I think of it as a one-sentence answer: "This reminds me of the good old days." It feels like time has really slowed down. You're really able to take time out of your day and β€” not to be cheesy β€” really smell the roses.

Arleevia: There's a heightened level of respect for people here, especially with me being pregnant. There's so much care around that. Men are like, "Hey, take a seat. I can help you with your luggage."

We see often β€” and this is something very different β€” if an older person is trying to cross the road, somebody that's much younger will come and assist them. They don't even know them from Adam, but they'll go and walk across the road to make sure that they get across safely. That's something that you see in old movies, but that's a common practice here.

Arleevia: We want to be here for several years because we've moved so much. It'd be ideal to stay for three to five years. Even if it's not in Tangier, we would be open to living in another country. We definitely see this as a long-term living abroad.

Not having a church has probably been the most difficult thing for us to get acclimated to. Morocco is a predominantly Muslim country. There are Christian churches around, but it's tough to find them.

Being away from family is obviously also hard. We miss them dearly. The language barrier has probably been the other tough thing. But outside that, it's been a very easy transition for us.

Ricoyo: The best things in life are often outside our comfort zone. People always talk about how it would be great to travel the world, to see other places, and to experience other cultures. This is making that a reality.

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AI companies like OpenAI and Anthropic are soaring in value. Here are the top 5 unicorns in the US.

AI letters in techno font

Andriy Onufriyenko/Getty Images

  • Anthropic is reportedly nearing a $60 billion valuation.
  • The Amazon-backed AI company is one of the most valuable unlisted companies in the US.
  • Here are the top five US unicorns.

Anthropic is reportedly closing in on a deal that would value it at $60 billion as investors pile into AI companies.

The AI startup is backed by Amazon, and its latest funding round would propel it into the top five most valuable unlisted startups in the US β€” three of which are AI companies, according to data from CB Insights as of January 7.

The power and popularity of generative AI has led to Big Tech and startups using billions to fund their AI projects. As December came to a close, UBS said Big Tech was on pace to have spent $222 billion on building AI in 2024.

Apple, which was notably late to join the AI craze, has partnered with OpenAI to bring ChatGPT to Apple Intelligence on new iPhone models, a move that may have helped boost OpenAI's valuation.

Anthropic's round of funding was led by venture firm Lightspeed Venture Partners, according to The Wall Street Journal. The $60 billion figure includes the money it plans to raise this round.

Here are the top five most valuable unlisted companies.

SpaceX: $350 billion

Elon Musk in a meeting
Elon Musk founded SpaceX in 2002.

Allison Robbert/Getty Images

SpaceX is one of two startups in the top five that aren't primarily AI companies. The designer, maker, and launcher of rockets and spacecraft was founded by billionaire Elon Musk in 2002, using a $100 million investment from the sale of PayPal.

The startup employs about 12,000 staff, with 200 rocket launches under its belt. One of Musk's missions is to colonize Mars by 2050 with reusable rockets.

A deal worth $1.25 billion made SpaceX the most valuable private startup, with a valuation of $350 billion, Bloomberg reported in December.

OpenAI: $157 billion

Sam Altman talking
Sam Atman co-founded OpenAI in 2015.

Eugene Gologursky/Getty Images for The New York Times

OpenAI was founded in 2015 by its current CEO, Sam Altman, and Musk. The release of AI chatbot ChatGPT in 2022 took the tech industry by storm. The startup almost doubled its valuation from $86 billion to $157 billion after a fundraising round in October, according to the Journal.

Since ChatGPT's release, the AI assistant garnered over 200 million weekly users, OpenAI said in August.

Stripe: $70 billion

stripe cofounders collison brothers 2x1
Stripe's sibling cofounders Patrick and John Collison.

Stripe; Melia Russell and Samantha Lee/Insider

The other non-AI startup in the top five is Stripe, a payment software company founded in 2009 by brothers Patrick and John Collison.

Although Stripe isn't classified as an AI company, its CFO joined the board of AI startup Vercel in December. Stripe began buying back some of its shares in November at a $70 billion valuation, according to Bloomberg.

Databricks: $62 billion

Ali Ghodsi
Ali Ghodsi has said generative AI is the future of tech.

Databricks

Databricks, a cloud-based data and AI company, announced a $10 billion funding round in December that would bring its valuation to $62 billion. It launched its AI model, DBRX, in March 2024.

"Generative AI is going to disrupt any software company that exists today," Ali Ghodsi, CEO of Databricks, previously said to Business Insider.

He added, "These models are going to change how humans interact with machines and how machines interact with humans."

Anthropic: $60 billion

Anthropic CEO Dario Amodei
Dario Amodei is the cofounder and CEO of Anthropic.

Chesnot/Getty Images

In 2021, ex-OpenAI employees founded Anthropic. The startup has since started competing with the ChatGPT maker with its own chatbot, Claude. Anthropic CEO Dario Amodei was the vice president of research at OpenAI before leaving in 2020, according to his LinkedIn profile.

While ChatGPT has captured the attention of casual users who want to make a meal plan or get essay help, Anthropic's AI has been attracting developers when it comes to coding. CB Insights previously valued it at just over $16 billion.

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The secret to a successful workplace: middle managers

a chain of paper dolls with ties, with two missing from the center

iStock; Rebecca Zisser/BI

  • Middle managers have a vital job in the workplace.
  • Some companies have scaled back on middle management.
  • Workplace experts shared why middle managers can be essential to a business's success.

US businesses are betting that they can thrive with fewer middle managers. They could come to regret it.

Some business leaders think scaling back middle-manager roles β€” a trend called the "Great Flattening" β€” could help them cut costs and operate more efficiently. Managers and workplace experts, however, told Business Insider that middle managers can play several important roles, including executing the goals of upper management, addressing workplace issues, and boosting workers' morale and performance.

"They really do form the connection between the company's strategy and execution by workers on the front lines of the business," Daniel Zhao, the lead economist at Glassdoor, said. "Without an effective layer of middle management, you aren't going to get strategy translating into results."

BI's Aki Ito reported that some companies had found that employing fewer middle managers could significantly strain their operations. Workplace experts and managers described to BI what makes middle managers important, why companies should invest in training them, and the challenges of these roles.

Why workplace experts think middle managers are valuable

Bryan Hancock, a McKinsey partner who has written about management, said middle managers are critical for an organization's overall performance. Hancock also emphasized their role in employees' performance and well-being, including helping workers grow in their careers.

"Managers are critical in making individuals feel like they belong, feel understood, and connecting all of that messiness of our personal life to our work life," Hancock said.

Middle managers can be a key part of building up the entire workforce. "Companies have to invest in the skillset and the development of these managers in order to avoid certain pitfalls that can ultimately impact revenue generation and career development and growth," Jessica Hardeman, a senior director of attraction and engagement at the career site Indeed, said, adding "heightened emotional maturity," digital fluency, and adaptability were attributes of a good manager.

While Zhao, Hardeman, and Hancock say managers are critical to a workplace, the job market for middle managers has cooled down.

An analysis of job postings provided to Business Insider by Revelio Labs, a workforce analytics provider, found opportunities for middle-manager roles declined by 42% from April 2022 to October 2024. Opportunities for junior employees, associate workers, and senior leadership roles fell by 15%, 17%, and 25%, respectively.

With fewer opportunities in middle management and a cooler job market expected in 2025, middle-manager job seekers are competing for other roles.

"Career setbacks have created a traffic jam at the bottom of the ladder, with middle managers now competing in the same pool of jobs as frontline managers and experienced employees in the same pool as new grads," a Glassdoor report published in November said.

In addition to the cooler demand for middle managers, the job has become more challenging in recent years. Managers may have had to handle more work because of fewer hires, tried to get people to comply with return-to-office policies, and been the bearers of unfortunate compensation and career mobility news with scalebacks in pay bumps and promotions.

Workplace experts said managers should receive adequate training to help make their jobs a bit more manageable. Zhao said companies should invest in training the next leaders to set them up for long-running success in this step of the career ladder.

Why managers think they are valuable

Managers who talked to BI also said middle management does a lot for the workplace.

Tsvetelina Nasteva, a human resources manager for Casinoreviews.net, said the idea that middle managers just deal with the "day-to-day stuff" upper management doesn't have time for oversimplifies what they do.

"Our jobs are so much bigger than that," said Nasteva, who's in her 30s. "We're the ones driving innovation, shaping culture, engaging talent, and providing the insights that help steer the ship."

Kyle, a former manager, said he thought middle managers could be valuable for businesses β€” but often weren't given the power and freedom to fully execute their job responsibilities.

"I think the great lie told to middle managers, at least many of them, is that they can be arbiters of change and will be free to mold their teams and processes in their own style β€” except then that's not how they're treated," said Kyle, who asked for partial anonymity because of a fear of professional repercussions.

He said that instead, some middle managers were largely tasked with things like time-sheet approvals, disciplinary conversations, and running meetings β€” administrative work upper management doesn't have time for.

Tiago Pita, a brand and e-commerce director in the UK, said he decided to step into a middle-management role because he wanted to shape his team's direction while still being involved in day-to-day operations. He said juggling these two priorities is what makes middle managers valuable.

"We're the ones translating high-level goals into actionable tasks, ensuring that our teams stay on track and motivated," said Pita, who's in his 30s. "Middle managers also play a big role in sustaining company culture, as we work closely with team members and address their questions, struggles, and achievements on a more personal level than upper management can."

What has your middle management experience been like? Have you quit a middle manager role or don't plan to become a manager? Reach out to these reporters at [email protected] and [email protected].

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5 things I wish I'd known before I started my career in Silicon Valley at companies like Meta, LinkedIn, and Pinterest

a woman takes a selfie with the LinkedIn logo
Jean Kang.

Jean Kang

  • Jean Kang spent a decade working in various roles and companies throughout Silicon Valley.
  • She would've navigated her career differently had she known things like there are no 'dream jobs.'
  • Job-hopping, personal branding, and exploration were also crucial to her career development.

When I graduated from college in 2014, I thought I'd finally made it. Before graduation, I landed a role in Silicon Valley and was excited to start.

Looking back now, after nearly a decade of working at companies like Meta, LinkedIn, Pinterest, and Figma and hopping roles more times than I can count, I realize my early impressions were overly rosy β€” and a bit naive.

Silicon Valley taught me a ton and helped me boost my salary to more than I thought possible, but there are a few things I wish someone had sat me down and told me when I was fresh out of college.

These insights might've saved me from a few late-night spirals or could've helped me navigate my career a bit more strategically. They also gave me the courage to leave behind my $300,000-a-year job and build a multi-six-figure business on my terms once I learned them.

Here are five pieces of advice I wish I could've told my younger self.

1. Job hopping isn't quitting

I probably would've laughed if you'd told me in my early 20s that switching companies multiple times within a few years would help me stand out. I assumed staying put and showing loyalty was the "safe" path.

Yet, in Silicon Valley, some of my biggest leaps in salary, responsibility, and growth came after I decided to hop from one role to another. This was especially true during market shake-ups, like mass layoffs.

When teams are rebuilding, they hire for high-impact roles that are often critical to moving the needle. If you're still employed and apply for one, it sends a loud and clear message: "I'm confident, I'm valuable, and I'm here to make a difference."

If I'd known that earlier, I would've pounced on opportunities sooner rather than waiting and hoping things would improve at a company that no longer fit.

2. Build your personal brand before you 'need' it

I used to think personal branding was a bit fluffy, but just under two years ago, I saw a void on LinkedIn for real, honest career stories. I started sharing my insights β€” what it's like to be a program manager, the differences between project and product roles, and how to combat imposter syndrome β€” and people cared. Before I knew it, I had tens of thousands and now over 160,000 followers across LinkedIn, Instagram, and my newsletter.

My personal brand served as a jumping board for lucrative opportunities and increased my confidence. Brand sponsors started reaching out. Clients wanted me as a career coach. I realized that your name could carry weight outside your company β€” and that's crucial when layoffs hit, or you're considering going solo.

Had I started building my brand earlier, I could've leveraged it to negotiate better offers and land roles that excited me and made me feel less chained to any employer's fate.

3. Your early career is about exploring

For the first few years, I beat myself up for not having a linear career path. I tried sales, account management, customer success, and program management. While it felt like I was throwing stuff at the wall and hoping something stuck, something magical happened.

Those pivots gave me a fuller understanding of how companies operate, what kind of work lit me up, and where I could deliver unique value.

Silicon Valley rewards curiosity. When I realized that program management was my zone of genius, my diverse skill set made me a stronger candidate for all sorts of roles.

If someone had told me early on that it's perfectly fine β€” even advantageous β€” to experiment, I wouldn't have wasted energy feeling guilty about my "lack of focus." Instead, I'd have embraced my pivots as a strategy to discover my impact.

4. Your manager matters more than you think

Getting starstruck by big brand logos, flashy products, and employee perks is easy. I thought working at dream companies would solve all my problems and set me up for steady career growth.

Over time, I realized that your immediate environment β€” your manager and your direct team β€” plays a far bigger role in your day-to-day happiness and long-term development than the company logo on your rΓ©sumΓ©.

A great manager who champions your ideas, respects your time, and encourages growth can make an imperfect organization feel worth it. Conversely, a manager who sees you as a cog in the machine or doesn't invest in your potential can make a dream company feel like a nightmare. I've now experienced both.

If I'd known earlier how critical the right boss is, I would've factored that into my decision-making more heavily, maybe asked more pointed questions in interviews, or trusted my gut when something felt off.

5. There are no 'dream jobs'

Silicon Valley loves to hype "dream jobs" β€” the unicorn startups and tech giants everyone would love to join. I'm grateful I got to experience some of those "it" companies firsthand. For a while, it was exhilarating, but over time, I learned that no matter how cool the company or how impressive the perks are, there might come a day when you wake up and think, is this really it?

You may find yourself staying late to meet arbitrary deadlines, supporting products you're not passionate about, or feeling disconnected from the outcomes. That doesn't make you ungrateful; it makes you human.

Recognizing that even "perfect" roles can lose their sparkle gave me relief. This realization was a big reason I eventually left corporate life behind.

I feel blessed and want to pay it forward

I don't regret my time in Silicon Valley. It taught me incredible lessons, gave me the financial runway to start my own business, and connected me with brilliant people, but knowing these five things up front would've saved me from second-guessing myself, feeling guilty about not having a perfectly linear path, and putting all my self-worth into a job title.

Today, as a career coach, creator, and solopreneur who's replaced and surpassed her Big Tech salary, I can say that Silicon Valley is still a place of immense possibility β€” but go in with open eyes.

Jean Kang is the founder and CEO of Path to PM and a LinkedIn Learning Instructor who is paving the way for future program managers.

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How to ask your manager for a new role, according to a 20-year HR manager

Two women are sitting across from each other, talking with a laptop on the desk.
Β 

fizkes/Getty Images

  • Ashley Herd spent over 20 years working in HR before launching her own company.
  • She said employees should consider the hardest parts of a new role before requesting it.
  • Herd also shared key phrases to use when asking for a promotion or a new position at work.

This as-told-to essay is based on a conversation with Ashley Herd, the 43-year-old founder and CEO of Manager Method in Atlanta. It has been edited for length and clarity.

Before starting my own company, I spent more than 20 years working in HR. During that time, I saw employees pitch changes within their roles to their managers.

Changes can be small. For example, you might already be doing senior-level employee work but want the official promotion β€” whether that's a title change, a pay adjustment, or something similar.

Other times the change is more significant β€” like moving to an entirely different department or a new role within your company.

Either way, when it comes to asking for these changes at work, many people aren't sure how to approach them. Here are three steps for making the ask.

1. Consider everything the new role entails

When pitching a change to a manager, you have to start with yourself. Ask yourself why you want the change and what will that change look like.

Sometimes, people want something β€” like a new title β€” but don't fully consider what that title change or new role entails. Instead they envision what it will be like to share it on LinkedIn and tell others about it.

I've seen cases where people get what they wanted and then regret it because they had no idea what the job actually involved. To combat this, you need to self-reflect on what you truly want and speak with others who are already doing what you aspire to do.

You might ask them questions like: What do you think I should know that I might not already? What challenges make you want to leave this role?

It's good to hear the downsides because if you still want the role after that, you'll be better prepared and more likely to succeed.

2. Plan the conversation

After receiving internal clarity, it's time to research and plan a discussion with your manager.

Some people have a relationship with their manager where they can openly share the change they're considering, and it feels like a normal, trust-filled conversation.

Other times, those who don't have the best relationship with their manager might enter the conversation defensively. They might say something like, "This is how it's going to be, or I'm leaving," which really doesn't help their case.

No matter your relationship, it's important to plan the conversation with your manager's perspective in mind.

Anytime you want to change your role, your manager probably can't do anything about it alone. Instead, most likely, your manager will have to speak with their own boss, and they'll have to get them to say yes.

So, when planning your pitch, think to yourself: How can I make this an easy case for my boss to pitch? Maybe the solution is to reassure your manager that you'll help train your replacement or show your manager how you'll better meet the company's goals with the new role.

3. Consider saying these things

When making your pitch to your manager, you can tell them, "I put a proposal together, but before I frame it out, I wanted to get your input." That way, you're showing them you're prepared.

Then as you share the change you're proposing, you can try saying things like:

  • "I know that (insert specific goals) are the organization's priorities. With what I'm proposing, I will be able to impact those goals even more."
  • "I've created a library of resources and am happy to assist in transitioning the new hire."
  • "What can I do to make this easier for you?"

Remember, it's not just about you moving into a new role or taking on new responsibilities. If you're leaving old responsibilities behind, you'll want to address how those tasks will be managed.

Also, some managers have very real egos, and they often worry that if you leave for a different role, you're leaving them personally.

So, when making your case, share that you'll still be available for the rest of the team and them. Make sure they know you're just getting separated, not divorced

Then after leaving the conversation, follow up with something written based on your discussion.

Understand companies have policies

Some organizations have policies where they don't give new promotions or titles within the course of six months or maybe a year. If organizations constantly have to retrain or rehire new staff because employees are moving around, it can be hard to get work done.

If your organization has regular review periods and you're outside of that window, it won't be as easy to get a yes.

Still, the conversation can be productive. During the review period, you could say:

  • "I'd love to be in a senior management position in three months."
  • "What can I do now to get there?"
  • "What does that timeline realistically look like?"
  • "What are the things I can do to help make that a yes?"

If it's a no, you have to ask yourself if you're at an organization you want to stay at.

No matter the answer, it's important to advocate for what you want. You will always be the best advocate for yourself, and sometimes it takes time, effort, trial, and error to get there.

If you're an HR professional and would like to share helpful career tips, please email Manseen Logan at [email protected].

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Mark Zuckerberg bent the knee to Donald Trump. Joel Kaplan made it happen.

Joel Kaplan, Mark Zuckerberg and Joel Kaplan collage .
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Ira L. Black/Corbis via Getty Images; Alex Wong/Getty Images; Aurelien Morissard/IP3/Getty Images; Chelsea Jia Feng/BI

The fusillade of major announcements from Meta this month β€” including the termination of its fact-checking and DEI programs and the ascension of its enigmatic content-moderation czar, Joel Kaplan, to head global policy β€” prompted a familiar churn of political reaction across the left and right. But virtually everyone agrees on one thing: Meta's changes are designed, at least in part, to please the incoming administration of Donald Trump.

That is why the most consequential announcement involves Joel Kaplan, Zuckerberg's tight-lipped political consigliere. For the coming years, Kaplan will be the face in your living room, justifying Meta's handling of whatever crisis, catastrophe, or hypocrisy the new Trump era is likely to ring in. He will speak at Davos, before committees, and on "Good Morning America," defending Meta publicly β€” and Mark Zuckerberg personally β€” from the right, the left, and quite possibly from Trump himself.

Kaplan is not widely known. Yet he arguably has done more to shape the modern internet β€” and quicken its consolidation with and capture of American politics β€” than any non-CEO in the world. With his ascension to the chief policy position at Meta, Kaplan etches his name into the pantheon of great political actors on the Washington stage β€” akin to a combination of Rahm Emanuel and Henry Kissinger, if they'd had every major global tech CEO on speed dial.

You can understand Kaplan's value to Meta by appreciating the two dimensions that account for his rise: Kaplan as the talented political fixer, and as the free-speech intellectual. Two distinct stories capture both dimensions of Kaplan's impact on Meta and on Zuckerberg.


Months before Trump was suspended from Facebook in 2021 following the attack of January 6, Trump's account was very nearly curtailed in an entirely separate ordeal. During the George Floyd protests and riots of 2020, Trump wrote a message on Facebook that ignominiously warned, "When the looting starts, the shooting starts." Per Facebook's rules, which prohibit incitement to violence, Trump's post possibly merited a takedown.

For Meta, this was a problem from hell. Not removing Trump's post would inflame liberal America. Removing it would enrage conservatives β€” not to mention the sitting president, who just days before had threatened to punish Meta for its alleged anti-conservative bias.

Then something miraculous happened: Trump called Zuckerberg. As Zuckerberg would tell it β€” mirroring a version later to be widely retold β€” Trump called Zuckerberg to plead his case, while Zuckerberg lectured Trump about using the platform responsibly. Hours later, another miracle followed: Trump wrote a follow-up post to finesse his point, quelling the discord.

The crisis was averted. Equally important, however, was the supposed lesson of this story: Trump β€” desperate to keep his account intact β€” needed Meta.

This story has been broadly reported. But stories that involve Kaplan tend to have a carefully hidden trap door.

As it turned out, there was a problem with this account: It was precisely backward. In the early morning of May 29, 2020, White House staffers gathered around on speakerphone and listened in disbelief to the voice on the other end: It was Mark Zuckerberg β€” calling them, at Kaplan's arrangement β€” asking for a personal word with Trump. Those familiar with this call would later say Zuckerberg's request was tinged with vulnerability, as he and Kaplan, also on the call, described the inevitable liberal revolt at Meta's headquarters if something weren't done about Trump's post. "I have a staff problem," Zuckerberg explained, according to those with knowledge of the call. (Meta has previously denied Zuckerberg said anything to this effect, maintaining that Zuckerberg was unequivocal in condemning the post.) When Trump rang Zuckerberg's cell later that afternoon, it wasn't contrition he was showing Zuckerberg β€” it was a favor.

A decade ago, the chasm separating Zuckerberg and Trump seemed as insurmountably wide as that between the Capulets and the Montagues. Yet the two men have spent years running toward each other.

This story, and its turns, illuminates several key things. First, it suggests the lengths Meta will go to convince the public that Trump β€” just like its 3 billion users β€” was dependent upon Meta for relevance. It shows the cunning of Kaplan in finding a way to project that image β€” through a half story that was widely repeated in official Washington β€” while simultaneously defusing a serious crisis (Kaplan had put out a "four-alarm fire," one of his former staffers previously told me).

Above all, it illustrates the dependency that animates Zuckerberg and Trump's relationship, and hints at what direction it runs in: Meta needs Trump β€” perhaps a lot more than Trump needs Meta.

For much of his life, Kaplan has played exactly this sort of role: attendant lord and advisor to princes. After finishing at the top of his class at Harvard Law School and serving as an officer in the Marine Corps, Kaplan clerked for Supreme Court Justice Antonin Scalia; played a pivotal role in the events leading to Bush v. Gore; and became a senior advisor to George Bush during all eight years. He was among the closest advisors to his longtime friend Brett Kavanaugh, counseling the judge at the darkest hour of his confirmation fiasco.

But it's his role serving Zuckerberg that is the male relationship that defines Kaplan's professional life and achievements. Since joining Meta in 2011, Kaplan has helped navigate Zuckerberg's path and entry into official Washington. Initially, that entailed accompanying a young Zuckerberg to President Barack Obama's Oval Office, or overseeing Zuckerberg's preparation for congressional hearings. But with the explosion of MAGA, Kaplan's role grew dramatically, charting a path that would bring Zuckerberg and a fast-changing Republican Party into something resembling β€” if not goodwill β€” then a mutual accord.

Half of this Zuckerberg achieved himself, by slotting Kaplan into a major role overseeing content moderation. But the human side of Washington β€” never Zuckerberg's strong suit β€” was Kaplan's mΓ©tier: arranging Oval Office huddles with Zuckerberg and Trump, or organizing a series of private dinners with mostly conservative (and some liberal) influencers. Kaplan, as Meta staffers and Washington Republicans told me, made sure that MAGA Republicans knew they always had a seat at Zuckerberg's proverbial table. (Meta did not provide new comment for this story.)

This growing authority inside Meta left many idealist staffers convinced of Kaplan's thralldom to conservative ideology. But Kaplan is also beloved and defended by many Democrats at Meta and throughout Washington β€” a fact that explains, in part, Meta's successful evasion of any significant tech regulation during the Biden presidency.

And yet Kaplan's most remarkable achievement is playing out right now: the extraordinary β€” once unthinkable β€” political romance between Mark Zuckerberg and Donald Trump. A decade ago, the chasm separating these individuals seemed as insurmountably wide as that between the Capulets and the Montagues. Yet the two men have spent years running toward each other, barreling through and against the gauntlet of their respective tribes: Zuckerberg through the leftist principles of the Bay, Trump through Republican Washington.

In this slow-motion marriage plot, Joel Kaplan is their Friar Laurence, bringing his artful guile and influence to bear in the improbable effort to knit their two families together. Kaplan has "helped make sure the ties were never irrevocably broken β€” even through Trump being deplatformed," observes Katie Harbath, a Republican who served as public policy director under Kaplan for a decade and who now heads the tech consulting firm Anchor Change. "Joel was sort of the captain of that ship."


Beginning with Trump's rise in 2016, Kaplan grew into another significant role: a de facto superintendent of the platform's rules around speech and content moderation. It's in this role β€” as a legal intellectual offering a distinct philosophy of free expression β€” that colleagues say Kaplan has shaped the company publicly, and Zuckerberg personally.

It was Kaplan, for example, who appeared on Fox News last week to explain the end of the fact-checking program, characterizing the decision as an effort to "reset the balance in favor of free expression." This echoed Zuckerberg's own video announcement, in which he lamented that the program had become "just too politically biased."

Joel Kaplan and Mark Zuckerberg
Since joining Meta in 2011, Joel Kaplan has charted Zuckerberg's path and entry into official Washington.

Samuel Corum/Getty Images

These comments are of a piece with Kaplan's own philosophy on free expression, which colleagues have summed up in the adage by Justice Louis Brandeis: that the remedy for false or misleading speech isn't "enforced silence," but instead "more speech."

It is tempting to view the complex issues at Meta as a simple proxy battle between "pro" and "anti" free expression. The fact-checking program was not without errors, as any complex program will be. And it is a genuine win for free expression that restrictions on user speech β€” on topics such as immigration, or gender and sexuality β€” are now lifted. Same for the nixing of DEI programs, which too often function to manufacture consensus on live issues at the internal staff level.

But the truth is there have long been meaningful objections to Kaplan's β€” and increasingly Zuckerberg's β€” Brandeisian "more speech" rationale that Meta so often proffers for its decisions.

The first is that, when it comes to political expression, the basis for Meta's decisions often manifests not as high principle, but as political expediency.

The fact-checking program is a case in point. Few programs were so vocally targeted β€” and fervently manipulated β€” by conservative critics. For any conservative media publisher dinged for misinformation by Meta's algorithm, Kaplan's cellphone effectively functioned as a personalized, interlocutory appeals process. Such was the case with articles by Breitbart, or the Instagram posts of Charlie Kirk, who successfully appealed to Kaplan to intervene, and to have their flags or strikes removed. Or in the case of Meta's filter against "Coordinated Inauthentic Behavior," which Kaplan and other executives quickly froze, around the time they learned that its classifier had begun flagging posts from The Daily Wire and Sinclair.

The second problem is that Kaplan's defenders have fallen under a common misreading of Brandeis. Unlike Oliver Wendell Holmes Jr., his fellow Supreme Court justiceβ€” who generally prized individual autonomy β€” Brandeis believed the ultimate purpose of free expression was the preservation of democratic self-government itself. The reason "more speech" offers an effective remedy is that, in Brandeis' view, the freedom of unlimited speech was inextricably married with duty: what he called "the political duty of public discussion." Duty is a word that generally conveys the foregoing of certain liberties, to achieve a higher purpose. The Brandeisian view, in essence, described the First Amendment as a kind of bargain struck with Americans at large: In exchange for a near-bottomless freedom to purvey unlimited speech, Americans accepted an implied duty to yield to the necessary prerogatives of well-ordered public discussion.

Yet under Kaplan's Policy team, content decisions at Meta consistently tacked away from Brandeis' view. Perhaps no controversy illustrates the point better than a project called Common Ground.

A silver lining to Meta's termination of fact-checking is it may clarify a new consensus that recognizes the futility of the agonizing efforts of the past 10 years attempting to liberalize social media.

Conceived by Meta staff in response to the 2016 election, Common Ground was a proposal to remake Facebook into a forum for healthier public discussion. In a bundle of proposed algorithm changes β€” detailed in internal memos β€” the program would replace users' self-segregation with more "exposure to cross-cutting viewpoints," downplay "incivility," recommend that users join more politically diverse groups, and boost news outlets with high bipartisan readership.

Though perhaps idealistic-sounding, Common Ground was not a left-wing chimera. In fact, its premise was drawn in part from the research of the New York University psychologist Jonathan Haidt β€” a famously vocal critic of progressive ideology in college campuses and workplaces β€” whose findings Meta staffers had studied rigorously. It was precisely the sort of project that would make liberals more likely to encounter, say, a Wall Street Journal op-ed article opposing mask mandates.

Kaplan and his team, however, correctly sensed that such proposals β€” no matter how "nonpartisan" in fact β€” would be castigated as partisan in appearance. In internal review sessions, Kaplan's team raised its concerns that the proposal would have a disparate effect on conservative users.

But the true killer lurked in a crucial detail: Exposure to this more ennobled strain of public discussion tended to reduce the engagement that users had with the platform. In a business model in which enragement equals engagement, it turns out, Brandeisian discussion is an unwarranted expense.


Kaplan's defenders backstop these choices with a common refrain: Kaplan's team has ensured Meta's content policies remain "defensible." By "defensible," Meta staffers intend to invoke the importance of public accountability. What they tend to mean, though, is policies that can adequately be explained during a grilling before Congress β€” an understandable concern for a company that's been hauled before Congress more than 30 times.

That is perfectly plausible reasoning. But one thing it certainly isn't is a vindication of First Amendment values β€” a bulwark in the Constitution whose singular purpose, after all, is to prevent meddling by Congress, and government generally. Zuckerberg now says he regrets caving to pressure from the Biden administration during the COVID pandemic. But does anyone doubt that, the next time Trump calls Zuckerberg, the CEO won't be all ears? (Just as he was avidly listening when Jared Kushner similarly pressured Zuckerberg in 2020, arm-twisting repeatedly to cooperate with Trump's COVID response.) Kaplan is there to ensure the message, even if not followed upon, gets through loud and clear.

Putting a chief Washington lobbyist largely in charge of speech policy may be politically savvy. But it is the opposite of how a company would take seriously its obligations to free expression β€” an invitation, essentially, to a Republican Congress, or a Democratic White House, to inject politicians' notions about public discourse into your news feed. "One thing I notice," Harbath notes thoughtfully, "is that after every major election since 2016, Mark has done this big recalibration about how the company handles content, based upon the electoral results."

Critics of Kaplan's supposed right-leaning bias, then, miss the point. It's that Kaplan and Zuckerberg's commitment to Brandesian free expression, as Gandhi might say, would make for an excellent idea. And some of Meta's changes β€” relaxing the restrictions on immigration and gender β€” are indeed aligned with liberal principles of free expression. But unavoidably, the platform remains a Death Star of bad reasoning, amplifying the worst of the left and right. Nor would Brandeis recognize Kaplan's enthusiasm for the incoming President Trump and his administration as "big defenders of free expression" β€” a man who sues local newspapers as retribution for polls, publicly invites violence on journalists, and suggests the US military shoot protesters for exercising their First Amendment rights β€” perhaps the most anti-First Amendment candidate for president since Woodrow Wilson. Both on the platform and off, Meta's commitment reflects the opposite of Brandeis' well-ordered public discussion: a world of all freedom, and no duty.

One silver lining to Meta's termination of fact-checking, then, is that it has the potential to clarify a new consensus: one that recognizes the futility of the agonizing efforts of the past 10 years attempting to liberalize social media β€” as fruitless and naive as environmentalists who implore oil and gas companies to cease being oil and gas companies. Scholars such as Yuval Noah Harari and Jonathan Rauch have separately argued that social media at scale is inherently inimical to liberal values β€” and that its mob-like pathologies, with its viral lies and conspiratorial reasoning, eerily resemble the same tendencies of pre-Enlightenment, medieval Europe.

That sort of tragedy can be laid at the feet only of generations, not individuals. And that is the deep and common bond that Zuckerberg and Trump share. Both are men whose vast seizure of power was made possible by the energy and unique pathology of the mob β€” allowing one to build a company, the other a political movement β€” as they leveraged its bizarre vise grip on our attention along with the mob's enduring ability, as Holmes warned, to "set fire to reason." In bringing these men to power, the best and brightest of their generation β€” Joel Kaplan, Sheryl Sandberg, Peter Thiel, and Elon Musk, nearly all the same age β€” ushered in a new strain of faithlessness, turning social media into a prison, and making our public life a hostage of the internet.

Zuckerberg and Kaplan's announcement is not an embrace of the right, or repudiation of the left. It's another example of what Meta does too often: wrap its business and political decisions into the language of liberal values and free expression. In reality, Meta does have a clear policy around free expression β€” but it doesn't follow the philosophical quotations of Louis Brandeis, or Oliver Wendell Holmes. Rather, under Zuckerberg and Kaplan, Meta's North Star will always faithfully resemble the old chestnut from Lyndon B. Johnson: "Power is where power goes."


Benjamin Wofford has written for Wired, Politico Magazine, Vox, and Rolling Stone, and is a graduate of Stanford Law School.

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How devastating will the LA wildfires be? Place your bets.

A slot machine with fire emojis

iStock; Rebecca Zisser/BI

If you are betting on the California wildfires, I don't know what to tell you. Go outside (if it's safe). Do some reflecting. Call a gambling-addiction hotline, probably. Though I suppose the impulse to wager on destruction isn't all bettors' fault β€” gambling companies have people right where they want them, placing wagers on things most of us never would have imagined just a few years ago. We're days into the new year, and it already feels like the gambling boom has gone too far.

In case you missed it, the prediction market Polymarket is letting people place bets on aspects of the fires that have ravaged the Los Angeles area. The platform set various markets for questions like how long it would take the first fire to be contained, how fast the various blazes would burn, and where they would spread.

The cryptocurrency-based market β€” which is off-limits for American gamblers, though some try to circumvent it with a VPN β€” seemed to recognize that this might not go over well. In a disclaimer on the site, Polymarket says the point of its prediction markets is to "harness the wisdom of the crowd to create accurate, unbiased forecasts for the most important events impacting society." The "devastating" fires were one such event in which Polymarket said it could "yield invaluable real-time answers to those directly impacted in ways traditional media cannot." In other words, if you want to know whether your house is about to burn down, check what a group of anonymous gamblers outside the US think β€” hopefully in addition to the news and local authorities and, you know, your own eyes.

The idea of bettors trying to make a quick buck when lives and livelihoods are at stake is morally fraught. It's also a sign of the times: Gambling is becoming increasingly common, and in the process, the lines around what's appropriate, logical, and ethical are becoming increasingly murky. If 2024 was the year we asked whether gambling culture in the US had gone too far, 2025 might be the year we get an answer.


It's tempting to look down on gamblers who take things too far, depending on your tolerance for that kind of stuff. But the problem with blaming individuals for getting in over their heads is that you miss the forest for the trees. Betting platforms and the gambling industry are designed to suck customers in and get them to bet at higher rates and in different ways.

While Polymarket may be operating in a bit of a gray area, even the formal, highly regulated platforms in the US are enticing people to develop a deeper relationship with betting. Businesses want to cross-sell β€” once Caesars gets you into its sports-betting pipeline, it would very much like to direct you to the casino. DraftKings is launching a subscription service that draws in bettors with the possibility of making extra money on super-long-shot bets. Delta Air Lines also recently announced a partnership with the sportsbook that could integrate its offerings or its branding into the gaming options on airplane seatbacks, though the details are vague. These innovations don't rival something as clearly problematic as betting on fires, but they show that gambling companies are succeeding at getting into more nooks and crannies of society.

In a statement to Business Insider, a DraftKings spokesperson said that the sports betting industry is "rigorously regulated" and that the company operates in "strict compliance" with the regulations of every jurisdiction it's in. "Equating DraftKings with unregulated prediction markets β€” particularly those that fall outside the scope of US regulation β€” is not only an egregious misrepresentation but also an insult to the integrity of regulators and responsible, law-abiding operators," the spokesperson said.

If 2024 was the year we asked whether gambling culture in the US had gone too far, 2025 might be the year we get an answer.

It's impossible to ignore the recent cultural shift when it comes to gambling. After decades of operating in the shadows, sports gambling is everywhere: Americans are thought to have wagered some $150 billion on sports in 2024, up from about $120 billion in 2023, and ads for gambling are almost inescapable during sporting events in many parts of the country. Beyond sports, some operators, including Robinhood, offer betting on things like elections. Polymarket's bread and butter may be elections, but it's also letting people wager on whether we'll see a new pandemic in 2025 or whether Israel and Hamas will agree to a cease-fire. People are even treating areas that are nominally not gambling, like the stock market, crypto, and even restaurant reservations, as if they're a casino. However you feel about gambling β€” maybe you're OK with it, maybe you think it's evil β€” the speed with which the lines around it are moving can make your head spin.

A spokesperson for Polymarket told me that the company didn't generate fees or revenue from the fire-related markets (or any of its markets) and described the markets as "a way to distinguish the signal from the noise in a news environment starved of quantitative data." They added: "These markets address the same questions being discussed across all of cable news and X. We've proven that markets can be an invaluable alternative information source for those seeking real-time quantitative data."

The fire-related markets are small β€” the largest one, about how many acres will burn, had about $275,000 in it on Friday afternoon. For comparison, more than $400 million has been bet on who will be inaugurated as US president on January 20. Why do this at all then? The smaller the prediction market, meaning the less money bet on it, the less the wisdom-of-the-crowd idea holds. That flies in the face of the argument that this is some noble endeavor to get information β€” it's just a handful of incredibly online gawkers betting on the outcome of an event that is devastating for thousands of people.

Just how far do we want gambling to go?

The pervasiveness of betting β€” both in what you can gamble on and where you can gamble β€” is changing our relationship with it. In a 2024 survey of US adults by the American Gaming Association, 55% of respondents said they had participated in some sort of gambling over the past year, up from 49% the year before. And Gallup surveys suggest a healthy majority of Americans see gambling as morally acceptable. At the extreme, the gambling industry envisions a future where people will bet on everything and will be able to create markets for anything. Perhaps someday you'll be able to create a mini-market for people to bet on whether it will rain on your wedding day. On the one hand, whatever, maybe that's just an extra bit of fun to make the day more exciting. On the other hand, you could just check the weather and otherwise enjoy your wedding without making it into a money-making event for random people on the internet. Plenty of people are able to enjoy watching sports sans gambling as well, even as the sportsbooks spend a lot of money to convince people that betting really ups the fun quotient.

There are going to be a lot of "tipping point" moments for gambling in the months and years to come. For a lot of people, betting is a newfangled way to find some enjoyment and spice up life. But finding where the boundaries are β€” socially and legally β€” is a critical process where there aren't easy, straightforward answers. When we can bet on more and more things in more and more places, it's fair to ask: Just how far do we want gambling to go?


Emily Stewart is a senior correspondent at Business Insider, writing about business and the economy.

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Jeff Bezos' Blue Origin stands down on its much-hyped New Glenn rocket launch, citing 'vehicle subsystem issue'

Blue Origin's New Glenn rocket.
Blue Origin on Monday morning said it was "standing down on today's launch attempt to troubleshoot a vehicle subsystem issue."

Blue Origin Media

  • Blue Origin was set to launch its New Glenn rocket on Monday morning.
  • The launch was postponed because of a "vehicle subsystem issue," Blue Origin said.
  • "We're reviewing opportunities for our next launch attempt," the company said.

The rocket companyΒ Blue OriginΒ postponed its highly anticipatedΒ New GlennΒ rocket launch Monday morning, citing a need to "troubleshoot a vehicle subsystem issue."

The launch, originally scheduled for a three-hour window from 1 a.m. to 4 a.m. ET, was repeatedly delayed before it was ultimately postponed.

"We're standing down on today's launch attempt to troubleshoot a vehicle subsystem issue that will take us beyond our launch window," Blue Origin wrote in an X post. "We're reviewing opportunities for our next launch attempt."

Ahead of the scheduled launch, Blue Origin's leadership β€” including its founder, Jeff Bezos β€” awaited the rocket's blastoff at the Cape Canaveral Space Force Station.

A liftoff time of 1:31 a.m. was first set at the beginning of the launch's livestream. It was then delayed from 1:52 a.m. to 2:07 a.m., 2:27 a.m., 2:48 a.m., and finally, 3:15 a.m.

At press time, Blue Origin had not confirmed a new launch date.

Before the launch was postponed,Β SpaceXΒ CEOΒ Elon MuskΒ had wished Blue Origin well. SpaceX remains the only company to have recovered and reused a rocket's booster stages.

Good luck!

β€” Elon Musk (@elonmusk) January 13, 2025

Ahead of the initially scheduled launch time, Blue Origin said on X that the company hoped to have the New Glenn "reach orbit safely."

"Anything beyond that is icing on the cake. We know landing the boosterβ€―on our first try offshore in the Atlantic is ambitiousβ€”but we're going for it," the company wrote on X early Monday morning. "No matter what happens, we'll learn, refine, and apply that knowledge to our next launch."

A successful launch would have greatly boosted Bezos' spacefaring ambitions for Blue Origin.

Besides the New Glenn rocket, Blue Origin has developed other space vehicles, including the New Shepard.

But one of New Shepard's uncrewed missions failed on September 12, 2022, when Blue Origin lost a first-stage booster about a minute into the flight.

That resulted in the New Shepard getting grounded by the Federal Aviation Administration. Blue Origin had to take 21 corrective actions, including redesigning some components, before the New Shepard could fly again.

Bezos founded Blue Origin in 2000. The billionaire told the podcaster Lex Fridman in a 2023 interview that he stepped down as Amazon's CEO in 2021 because he wanted to focus on Blue Origin.

"I've turned the CEO role over, and the primary reason I did that is so that I could spend time on Blue Origin, adding some energy, some sense of urgency," Bezos told Fridman.

Representatives for Blue Origin did not immediately respond to a request for comment from Business Insider.

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The US keeps hitting Putin's war chest with energy sanctions. The impact goes beyond Russia.

The leaders of India, Russia, and China holding hands and smiling
India and China are Russia's top oil customers. Russian President Vladimir Putin, Indian Prime Minister Narendra Modi, and Chinese leader Xi Jinping pictured in June 2019.

Mikhail Svetlov/Getty Images

  • The latest US sanctions on Russia's energy sector impact China and India, altering trade dynamics.
  • The sanctions target Russian oil giants and tankers, raising oil prices to a four-month high.
  • China and India may seek oil from other regions, while Russia might offer discounts.

The US' latest move to hit Russia's energy revenues is changing up the industry's global trade flows.

On Friday, the US Treasury Departmentβ€” together with the UK β€” slapped new sanctions against Russia's key energy sector, including restrictions against oil giants Gazprom Neft and Surgutneftegas.

The Biden administration also imposed sanctions on 183 tankers associated with Russia's oil trade. Last year, that group of ships transported about one-quarter of Russia's energy exports, mostly crude oil, Goldman Sachs analysts estimated in a Sunday note.

Buyers from China and India β€” Russia's top oil customers β€” are likely to be impacted by the new sanctions, changing the world's energy trade dynamics.

Traders in China and India look to the Middle East, Americas

China will be impacted by the latest sanctions because most targeted tankers ship oil to the country, wrote Matthew Wright, the lead freight analyst at analytics firm Kpler, on Friday.

The sanctions, which would impact oil shipping, trading, and insurance, sent prices of the commodity up to a four-month high on Monday.

International benchmark Brent crude oil futures were 1.7% higher at $81.15 a barrel at 2.10 a.m. ET. The US benchmark West Texas Intermediate futures were up 1.9% at $78 a barrel.

Both Brent and WTI oil futures are up 8% this year to date.

Traders told Reuters that China and India will be forced by the new sanctions to seek non-sanctioned oil from the Middle East, Africa, and the Americas.

A Singapore-based trader told the news agency the sanctioned tankers shipped close to 900,000 barrels per day of Russian crude oil to China over the past 12 months and that these exports are going to "drop off a cliff."

Even before this round of sanctions, oil traders in China and India have been anticipating higher curbs on Russian oil. They have increased crude oil purchases from the Middle East and the Atlantic Basin, Bloomberg reported on Friday.

These latest developments illustrate the fast-changing pace of the world's energy flow since Russia's full-scale invasion of Ukraine in February 2022 triggered sweeping sanctions against the energy giant.

They also come just days before US President-elect Donald Trump takes office. The incoming American leader has pledged to lift energy output and boost the US' energy exports.

Russia is a top supplier of crude oil to both China and India.

Not a 'game-changer'

The incoming US administration's stance on the energy sector is one reason why recent oil price gains may not continue, wrote Vishnu Varathan, Mizuho's head of macro research for Asia, excluding Japan.

Varathan said in a Monday note that while the latest oil sanctions against Russia are boosting the market, they are not a game-changer.

Not only is the potential of higher US supply expected to hold up the market, but demand from China β€” the world's second-largest economy β€” has also slowed amid prolonged economic malaise.

Goldman Sachs analysts also cited the high spare capacity in oil as a factor that could weigh on prices.

Meanwhile, Russia is likely to pull out countermeasures to the US' latest sanctions package.

"Russian oil can discount to incentivize continued shipping by a dynamic shadow fleet and continued purchases by price-sensitive buyers in new or existing destination countries, with both the ships and buyers being less sensitive to Western sanctions," Goldman Sachs analysts wrote.

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Gavin Newsom says he's already 'reimagining LA 2.0' post-wildfire, and that California needs a 'Marshall Plan' to rebuild

California Gov. Gavin Newsom surveys the damage in Pacific Palisades with CalFire's Nick Schuler and State Senator Alex Padilla.
California Gov. Gavin Newsom surveys the damage in Pacific Palisades with CalFire's Nick Schuler and State Sen. Alex Padilla.

Jeff Gritchen/MediaNews Group/Orange County Register via Getty Images

  • California Gov. Gavin Newsom is already looking ahead to an "LA 2.0" post-wildfire.
  • He said he is "organizing a Marshall Plan" to hasten the city's recovery efforts.
  • The fires, which started last week, burned through more than 40,300 acres of land and resulted in at least 24 deaths.

As the devastating wildfires in Los Angeles continue to rage, Gov. Gavin Newsom is looking toward rebuilding an "LA 2.0" post-fire.

Newsom was asked in an NBC "Meet the Press" interview on Saturday if California would be ready to host the World Cup, the Super Bowl, and the Olympics over the next couple of years in the aftermath of the wildfires.

Speaking against the backdrop of a fire-ravaged neighborhood, Newsom said that he's already "organizing a Marshall Plan" and already has a team "looking and reimagining LA 2.0."

The Marshall Plan harkens back to the post-World War 2 period when President Truman signed the Economic Recovery Act of 1948. The act saw more than $13 billion invested in rebuilding Western Europe's economies, bringing investments into the region, and stimulating the US economy by building a market for American goods.

When asked for details of the new "Marshall Plan," Newsom said he was talking to city, civic, business, nonprofit, and labor leaders about recovery efforts and working to "galvanize the community."

"We have got to be thinking three weeks, three months, three years ahead; at the same time, we're focusing on the immediacy, which is life safety and property," he told NBC.

Representatives for Newsom did not provide further comments in response to queries from Business Insider.

Newsom said in the interview that the wildfires will likely be one of the worst natural disasters in the country's history, in terms of the costs associated with it and its scale and scope.

AccuWeather, a weather forecasting service, estimated the total economic damage to land between $52 and $57 billion. JPMorgan analysts estimated that insured losses could reach $20 billion.

The wildfires haveΒ ravaged over 40,300 acres of landΒ across Los Angeles. At press time, at least 24 people have died, and according to CalFire statistics, more than 12,300 structures have been damaged.

As the fire passed through the wealthy Pacific Palisades neighborhood, the homes of several Hollywood A-listers, like Paris Hilton, Milo Ventimiglia, and Billy Crystal, burned down.

The two largest fires, the Palisades Fire and the Eaton Fire, are only 11% and 27% contained, per CalFire.

The governor said he had alsoΒ ordered an investigationΒ into why fire hydrants ran dry and lost water pressure in the Pacific Palisades area of Los Angeles, hindering firefighting efforts.

Newsom's latest statements come as he faces criticism from President-elect Donald Trump for his handling of the wildfires.

In a Truth Social post, Trump called Newsom "incompetent" and said he was to blame for the wildfires.

Newsom said in the NBC interview that Trump's comment was "inaccurate."

He then invited Trump to "come out" to California and "take a look for himself." Newsom's team has also launched a fact-checking website to combat misinformation about the fires.

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