• I let my daughter reject hugs and kisses at family gatherings. My boomer relatives initially felt offended.

    tiffany tuttle sitting in her car with her daugter with family members outside the car
    The author's daughter didn't like being hugged by her grandparents.

    • In my culture, children are expected to greet everyone in the room with a hug and a kiss.
    • My daughter didn't like to and often screamed when relatives tried to hug and kiss her.
    • I teach my kid that she has choices and can say no whenever she feels uncomfortable.

    My young daughter wasn't yet 1 years old the first time she shook her head and stretched her hands out to push away a hug from relatives. Everyone laughed it off, assuming she would grow out of it.

    What they didn't realize was that, even at that age, I was teaching her that she always has a choice — something I didn't have growing up.

    Every family gathering began the same way when I was a kid. I would open my grandparents' front door, and the smell of tamales, turkey, rice, and the best of our Mexican-American world would welcome me at the doorstep. I loved the laughs, food, and family, but before I could settle in, I had to brace myself for the greeting ritual.

    With my shoulders tight and my steps tiptoeing along the living room, I scanned the faces of new visitors who had made a pit stop at our feast. A polite smile and a wave were considered rude, but it felt strange to show affection to people I had never met.

    If I weren't eager to make my rounds, I would get a nudge on my back with an emphatic, urgent command from all the adults in unison: "¡Saluda!" That made the next step clear: hug and kiss every adult in the room as a gesture of respect.

    As each year passed, my resistance became less about hugging people I didn't know and more about realizing my boundaries didn't matter. I want to teach my daughter differently.

    The social reset that paved the way for new norms

    In 2020, I became a first-time mom. As if postpartum chaos and sleepless nights weren't enough, the pandemic hit and left us with isolation and an unexpected reset. I was relentless about not exposing her to risk as an infant, but she still babbled and smiled on FaceTime with my family. Their connection grew despite the limitations and distance.

    After being apart for so long, we were all excited about our first gathering. I walked through the door, holding my daughter, and the kitchen was lined with my white-haired elders; their faces lit up as we entered. The day they could pinch her cheeks and smother her with kisses had finally arrived.

    Arms reached out, smiles widened, and baby coo sounds filled the air. My daughter took one look around, gripped my hair in one hand, my collar in the other, and let out a startled wail.

    There was an immediate and collective sigh of disappointment. The matriarchs and patriarchs of my family had never been challenged by a 1 year old. They stepped closer, hoping that proximity would encourage her to leap into their arms. She cried louder.

    Their arms dropped, their smiles turned to frowns, and the bribery ensued: "I got you a pretty doll, and I'm going to be so sad if you don't give me a hug." Another aunt leaned closer and said, "Don't you love me? I really love you!"

    While I knew those statements came from a place of love and care, I looked my daughter in the eyes and said, "It's OK, you can stay with me." She released the grip on my hair and shirt, rested her head on my shoulder, and let out a sigh of relief.

    I looked at my aunts and uncles, feeling both nervous and empowered. I reassured them that she would warm up to them on her own time and in her own way.

    I took a chance and created a teaching moment

    I started a conversation with my family that we never had before, and explained that what was considered disrespectful in their generation is now considered self-respect in mine.

    The family gatherings continued. Sometimes my daughter would run to the door to greet them and hang on their neck with glee; other times, she would run by them, shouting "hi!" and go straight to the couch.

    As the years have passed, their expectations have shifted, and their disappointment is no longer in the air. Comments have gone from "Are you going to let your daughter get away with not giving me a hug and kiss?" to "Okay, I'll be here when she wants to play."

    Respect and love can now take on different forms. That's a tradition worth passing down.

    Read the original article on Business Insider
  • The hottest real estate markets for 2026 are reaping the benefits of RTO

    The Manhattan skyline.
    New York City.

    • The Northeast is poised to emerge as a top real estate region in 2026.
    • Cities near booming business districts like Jersey City and Brooklyn saw big jumps in the rankings.
    • Markets with job diversity and an affordable cost of living remain strong in 2026.

    Real estate professionals and industry experts are keeping a close eye on a few key markets heading into 2026, which means you should too.

    Consulting firm PwC, in partnership with the Urban Land Institute (ULI), released its Emerging Trends in Real Estate report for 2026, highlighted by its ranking of the top markets to watch. The rankings are based on a survey of more than 1,000 industry experts who rated markets based on their investment and development prospects.

    Though the Sun Belt has often been billed as an up-and-coming region boasting a mostly affordable cost of living; this list highlights the Northeast as a region with upsides going into 2026.

    "There are four Northeast markets in the top 10," PwC partner Andrew Alperstein told Business Insider. "It's really a story around New York City and some of the back to office and back to living in the city that we've seen, and the accessibility of places like Brooklyn and Jersey City — which, for the millennial younger crowd, is a little bit more affordable, still proximate to New York City, and has a good amenity base."

    Jersey City, New Jersey, experienced the largest positive jump among the top 10 markets, rising 17 spots from the previous year, capitalizing on its proximity to Manhattan. People returning to the office need places to eat, places to shop, and most importantly, places to live. Jersey City invested $177.4 million in the first half of 2025, and 65% of that investment volume went toward apartments, according to data from CBRE Research and MSCI.

    While some Southern markets like Austin have seen major growth in recent years, they've since cooled off due to a lack of economic diversity, according to Alperstein. Only two Texas markets cracked the top 10, and only three made the top 25.

    "There was almost a little bit of an exuberance around Austin with a lot of the focus on technology, and it's probably a little bit too technology centric, relative to somewhere like Dallas or Miami that has more diversification in employment and in their employment growth," he said.

    The cities that are thriving going into 2026 are ones that can offer affordability, a healthy job market, and amenities without too many sacrifices.

    Below are PwC and ULI's markets to watch for 2026.

    10. Phoenix, AZ
    Skyline of Phoenix, Arizona
    Phoenix, AZ

    2024 rank: 10

    9. Manhattan, NY
    A view of New York City's Hudson Yards
    A view of New York City's Hudson Yards

    2024 rank: 11

    8. Tampa-St. Petersburg, FL
    Tampa skyline
    Tampa is among the Florida destinations booming with business travelers.

    2024 rank: 4

    7. Northern New Jersey
    Newark, New Jersey.
    Newark, New Jersey.

    2024 rank: 22

    6. Nashville, TN
    Nashville, Tennessee.
    Nashville, Tennessee.

    2024 rank: 5

    5. Houston, TX
    Houston, Texas.
    Houston, Texas.

    2024 rank: 3

    4. Brooklyn, NY
    A row of brownstones in Brooklyn, New York.
    Brooklyn.

    2024 rank: 14

    3. Miami, FL
    Miami, Florida.
    Miami, Florida

    2024 rank: 2

    2. Jersey City, NJ
    The Jersey City skyline.
    Jersey City, New Jersey.

    2024 rank: 19

    1. Dallas-Fort Worth, TX
    The Dallas skyline at dusk.
    Dallas, Texas

    2024 rank: 1

    Read the original article on Business Insider
  • Before Air Force One, US presidents traveled aboard a luxury train car. Look inside the ‘White House on wheels.’

    presidential train car
    The Ferdinand Magellan was in presidential use from 1943 to 1954.

    • The Ferdinand Magellan, also known as US Car No. 1, was used by US presidents between 1943 and 1954.
    • It was the president's official transportation in the days before Air Force One.
    • The car used by Franklin D. Roosevelt, Harry Truman, and Dwight Eisenhower can still be borrowed.

    Long before the primary transportation method for US presidents was Air Force One, they traveled the country aboard a 10-foot-wide train car.

    The Ferdinand Magellan, a Pullman car rebuilt in 1942 for presidential use, was the president's official mode of transportation between 1943 and 1954. The car is also known as US Car No. 1.

    The armored car was the heaviest railcar ever built in the US after it was fitted with detailed security features and enlarged spaces for President Franklin D. Roosevelt at the height of World War II.

    Today, it is the only passenger train car to ever be declared a National Historic Landmark.

    While it pales in comparison to the Air Force One in space and technology, the Ferdinand Magellan allowed the president to continue his duties in comfort while on the move. The car was often accompanied by other train cars dedicated to radio communications, White House staffers, and members of the press, making it a "White House on wheels."

    Take a look and see how US presidents traveled in the days before Air Force One.

    US Car No. 1 was presented to President Franklin D. Roosevelt in December 1942.
    roosevelt on us car one presidential train car

    On December 18, 1942, the Pullman Company presented a luxury train car that had been rebuilt at the request of the US Secret Service, which had determined that the president needed a secure way to travel during wartime.

    Roosevelt most often used the car to travel from Washington, DC, to his home in Hyde Park, New York. The president insisted on not surpassing a speed of 35 miles per hour when traveling aboard the Ferdinand Magellan, making his journeys less efficient and heightening security measures, per the White House Historical Association website.

    He last rode the car on March 30, 1945, when he visited his Little White House in Warm Springs, Georgia, where he died a few weeks later.

    During his time, the president rode over 50,000 miles aboard the presidential train car.

    It was most famously used in 1948 during Harry Truman's "whistle-stop" campaign tour.
    truman presidential train car

    While the car was built with Roosevelt in mind, including certain designs that would allow him to use a wheelchair on the train, it was his successor, President Harry S. Truman, who used it the most.

    The president, who, unlike Roosevelt, opted for a speed of 80 miles per hour, employed the car in his iconic 35-day whistle-stop tour during his reelection campaign in 1948, where he delivered 356 speeches from the back of the Magellan, per Architectural Digest.

    By the time Truman's successor, President Dwight D. Eisenhower, took office, more efficient air travel was starting to replace rail travel, and the US Car No. 1 was used for the last time in 1954.

    The car was last used by Ronald Reagan during a commemorative whistle-stop tour in Ohio in 1984.
    reagan presidential train car

    In 1984, Reagan brought the Magellan out of retirement for a one-day whistle-stop tour through Ohio during his reelection campaign.

    The president traveled from Dayton to Perrysburg and stopped at five locations to give speeches from the rear platform of the presidential car.

    Today, the US Car No. 1 sits in a small museum near Zoo Miami.
    gold coast train museum in Miami, Florida

    In 1959, the Gold Coast Railroad Museum in Miami, Florida, acquired the car, which in 1958 had been declared surplus and donated to the Smithsonian, which had no way to store it.

    Since then, the car has stayed in South Florida, where it is now open to the public.

    The Gold Coast Railroad Museum is open Wednesday through Sunday from 11 a.m. to 4 p.m. on weekdays and from 10 a.m. to 4 p.m. on weekends. A regular adult ticket for the museum costs $12, and tickets for the presidential train car cost an additional $10.

    To carry the president, the unique armored car had enhanced security features.
    presidential train car

    The car, which is 84 feet long, 10 feet wide, and 15 feet tall, was covered with over 1/2 an inch of nickel-steel armor on its sides and featured 3-inch-thick bulletproof glass windows.

    It was also the heaviest train car built in the US. After it was refurbished for presidential use, the train car weighed 285,000 pounds, making it much heavier than modern-day war tanks, which often weigh around 100,000 pounds.

    The car also had its name, Ferdinand Magellan, removed from its sides in an effort to conceal the president's presence, although its design often stood out.

    Other security features included two escape hatches and a complex security protocol, which included diverting traffic on the rails to ensure that no train traveled ahead or behind the president for at least 30 minutes. Operating under the code name POTUS, the president's train always had the right of way.

    Passengers boarded from the front of the train, which housed the staff quarters and kitchen.
    hallway inside us presidential car

    The entrance through which presidents and their guests would've entered is at the front of the car.

    In the kitchen, an onboard chef had access to ovens and refrigerators.
    kitchen inside presidential train car

    The train's dedicated chef prepared the president and guests' meals inside this kitchen.

    On the other side of the kitchen, the staff had pantry space to plate the dishes.
    pantry presidential train car

    The kitchen was also equipped with a pantry and a full-size metal sink.

    The car housed two staff members: a chef and a porter.
    staff quarters in presidential train car

    Near the kitchen, the two-person staff had sleeping quarters that featured an upper and lower berth.

    The dining and conference room was in the main cabin of the car.
    presidential train car dining room

    The presidential car's main cabin featured a 6-foot solid mahogany table where the president and his guests — often diplomats or foreign leaders — could gather for dinners or meetings.

    The dining room had its own set of presidential fine china.
    china plates inside presidential train car

    Presidents and guests didn't have to sacrifice the White House's luxuries while they were on the move — the dining room had its own set of china decorated with the presidential emblem.

    Today, the room displays an example of the glass used in the car's windows.
    bulletproof glass inside presidential train car

    The 3-inch-thick laminated bulletproof glass windows were installed when the car was refurbished for the president's use.

    The windows were sealed, so to keep the car ventilated there was a simple form of air conditioning in which fans pushed air cooled by blocks of ice.

    The car included two guest bedrooms along with a presidential suite.
    stateroom inside presidential train car

    The first of two guest bedrooms aboard the US Car No. 1, Stateroom D, included an upper and lower berth, where guests could sleep, and an in-room bathroom.

    In these guest rooms, Truman welcomed British Prime Minister Winston Churchill during his visit to the US in 1946, during which he delivered his iconic Iron Curtain speech.

    The presidential suite included the president's sleeping area.
    president's bed in presidential train car

    Designed to accommodate Franklin D. Roosevelt's wheelchair, the president's room included a full-size bed, a dresser, and an in-room toilet.

    Like most rooms in the car, it was also connected to a telephone, which was extremely rare at the time.

    The connecting bathroom inside the presidential suite featured a bathtub, toilet, and sink.
    first lady's bathroom in us car one presidential train car

    The presidential suite bathroom, equipped with a bathtub, toilet, and sink, connected the president's and the first lady's rooms, staterooms B and C.

    The bathroom also contained an escape hatch, which was added as a security measure during the car's refurbishing.

    The first lady's room was located parallel to the president's.
    the first lady's room in the presidential train car

    Inside the first lady's quarters was a bed and a dresser, although she didn't have an in-room bathroom.

    The secondary guest bedroom could also be used as a breakfast or gathering room.
    stateroom in presidential train car

    Located towards the back of the car, Stateroom A, the second guest room aboard the Magellan, featured convertible berths, like the other guest room, that could also be used as a breakfast, gathering, or office space for the president or his guests.

    The upper berth could be raised into the ceiling, and the lower one could be converted into a sitting booth with a pull-out table.

    The presidential car was often attached to train cars housing Secret Service, White House staffers, and the press.
    historical photo inside presidential train car

    The Ferdinand Magellan functioned as a White House on wheels, and was often attached to train cars dedicated to Secret Service, White House staffers, and reporters traveling with the president.

    The US Car No. 1 was also often accompanied by two communications cars equipped with control consoles for radio broadcasts and telegraph communications so the president could be reached while he was on the move, per Atlas Obscura.

    A narrow hallway led from the staterooms to the observation deck.
    hallways inside presidential train car

    A slim, wood-paneled hallway led from the four staterooms to the observation deck at the rear of the car.

    The observation lounge featured some of the presidential car's original furniture.
    observation lounge inside presidential train car

    The observation room was also enlarged during the refurbishing of the car, allowing it to function as a secondary gathering room for the president and his guests.

    During the refurbishment, a submarine escape hatch was added to the car.
    escape hatch on presidential train car

    Part of the car's security modifications included the addition of escape hatches, like this submarine hatch on the observation lounge.

    Today, the observation lounge shows signs of hurricane damage that the car has sustained.
    hurricane damage presidential train car

    In 1992, Hurricane Andrew hit South Florida, and among its many damages were some sustained by the Magellan.

    Although minor, a small window crack shows how the presidential car has stood the test of time.

    Traveling presidents could address crowds from a podium on the car's rear platform.
    presidential train car podium

    At the end of the presidential car was an exposed podium from where the president often addressed crowds.

    During Truman's whistle-stop tour, he spoke from the podium repeatedly, often addressing crowds in different cities within the same day.

    The preserved train car stands as a remnant of US history and of how presidents spread their message.
    presidential train car

    Inactive as the president's main form of transportation for over 70 years, the Ferdinand Magellan stands as a memory of America's past.

    However, our tour guide pointed out that the car is still on a track connected to current-day railroads and can be requested for use at any moment by the sitting US president.

    Although I doubt Donald Trump would want to travel aboard the historic cabin, a modern-day president going on his own whistle-stop tour on US Car No. 1 remains a possibility.

    Read the original article on Business Insider
  • Inside the factory where NYC’s food carts get ingredients

    Every morning, New Yorkers stop at chrome breakfast carts for coffee, bagels and doughnuts — a routine that fuels the city's workforce. But behind that ritual is a fragile industry built on large suppliers, early-morning shifts, and a permit system that has prompted street protests. With Mayor-elect Zohran Mamdani, who highlighted vendors in his campaign videos, preparing to take office, the system is getting fresh attention.

    Read the original article on Business Insider
  • Our kitchen remodel cost $10,000. We stand by 3 controversial design choices we made to save money and open up the space.

    Kitchen with wood floors, white island, white table, and modern white chairs with metal base
    Our home was outdated, so we immediately updated the kitchen.

    • My boyfriend and I spent just over $10,000 to update our 1950s kitchen.
    • We made a few controversial design choices, like tearing down walls and choosing cheap countertops.
    • Not everyone agreed with our design, but we still love our new kitchen months later.

    When my boyfriend and I bought a new house this year, a kitchen remodel was at the forefront of our plans. Like the rest of the house, it hadn't been updated since the 1950s.

    The 50s-style cabinets were charming, but the small space wasn't functional for us. It lacked modern amenities, such as a dishwasher, and the narrow space felt claustrophobic.

    We set a $10,000 budget and made a few unpopular plans.
    Wood cabinets in front of yellow wall
    The original kitchen was over 70 years old.

    We tore out the old cabinets (saving them for other home projects) and set out to design a more modern kitchen. Our budget was limited, and we spent about $10,000 on the remodel.

    During our design process, we made a few divisive decisions that made our family — and even a few kitchen designers — turn their heads.

    Yet despite the naysayers, we have no regrets about the design, and we love cooking in our new space.

    First, we removed walls and a fireplace to create an open-concept layout.
    Wood frame and exposed brick during construction
    The fireplace would've limited our design options even more.

    Almost immediately after getting our keys, we tore down walls in the kitchen to create an open layout.

    This was the first controversial design choice we made during the remodel. We wanted to expand the tiny galley kitchen, but unfortunately, this meant removing walls — and the home's original fireplace.

    The (giant) fireplace was located smack-dab in the middle of the house, which wasn't ideal for an open layout.

    I like how open our space feels now.
    Fireplace in kitchen area with striped wall behind it
    The walls and fireplace made the previous kitchen cramped.

    Some of our friends and family members said we were nuts for removing a fireplace. However, a few others (including us) thought it made the space more practical.

    In the end, we're glad we took the extra effort to create a more open space. The job was messy and labor-intensive, but our kitchen feels so much bigger and brighter now.

    We still don't regret choosing a small fridge.
    White cabinets, patterned backsplash
    Our fridge is small, but it fits everything we need.

    Perhaps the most controversial decision we made in our kitchen design was installing a smaller-than-average refrigerator.

    Every 1950s kitchen remodel comes with its own set of challenges, and our biggest one, by far, was the layout. Due to the placement of windows and doors in the kitchen, we had few areas to put appliances like the oven, refrigerator, and dishwasher.

    Notably, we couldn't find a convenient spot for a standard-sized fridge, which usually measures between 29 and 36 inches wide.

    Kitchen designers suggested we move our windows and doors to accommodate a larger fridge, but this would almost certainly break our budget.

    Instead, we worked with the space we had. We installed an Ikea refrigerator that measures just over 21 inches wide. It fit inside a panel-ready cabinet that matched our other cabinetry.

    Friends, family, and designers we spoke to said this was a mistake. They couldn't fathom how we would fit our groceries into the narrow fridge.

    After several months living in the new house, though, the smaller refrigerator hasn't been a big deal. With the nearest grocery store a 10-minute walk from our house, we never shop in bulk.

    Instead, we shop for fresh ingredients several times a week, and everything fits perfectly into our small fridge.

    We also chose laminate countertops over quartz to save money.
    Patterned backsplash tile and white laminate countertops
    We saved thousands by choosing laminate countertops.

    When it came time to pick our countertops, kitchen designers and family members all recommended materials like quartz and granite. They said a higher-end countertop was a must-have to raise our home's resale value.

    Not knowing any better, we initially agreed with their recommendations. We set a budget of $5,000 for countertops, which, for our relatively small kitchen, was a hard price to swallow.

    As the renovation continued, I stopped to ask myself whether we really needed to spend thousands of dollars on countertops. Our budget was being stretched further and further by the day, and we still had a long list of projects to complete elsewhere in the home.

    So, rather than blow $5,000 on quartz countertops, we spent just $258 on laminate countertops. They may not be quite as pretty or durable as stone, but they work for us.

    Perhaps the cheaper countertops could affect our home's resale value in the future, but we have no plans to sell anytime soon.

    Despite making a few divisive decisions, we have no regrets.
    Kitchen island with white laminate countertops, stovetop built in
    Not everyone agreed with our design choices, but they work for us.

    We still have a few finishing touches to work on, such as adding rugs and artwork, but after spending a little over $10,000 to renovate our kitchen, we're happy with our design choices.

    If there's anything I learned in the remodel process, it's that there's no cookie-cutter solution to designing kitchens in older homes. Our 1950s kitchen layout was unique, so we had to get creative.

    The low window, for instance, limited where we could place a large fridge, but the space works well as a comfy reading bench.

    Likewise, the dark, cramped layout forced us to open up the space. Now, our open-concept layout is perfect for entertaining.

    We also reused the kitchen table that came with the home, helping us preserve some of the room's original touches.

    Not everyone agreed with our design choices during the remodel, but ultimately, we had to follow what worked for us — and our budget.

    In the end, our controversial calls led us to a kitchen we love.

    Read the original article on Business Insider
  • 22 movies no one expected to bomb at the box office

    ryan reynolds as green lantern
    "Green Lantern" was a huge box office bomb, even though it was released during peak superhero mania.

    • These movies had huge budgets that producers expected would turn in huge profits when released.
    • However, the films lost millions of dollars for studios after hitting theaters.
    • Pixar's 2025 release, "Elio," was "catastrophic" for the studio.

    When "Joker" was released in 2019, it grossed over $1 billion worldwide, making it the highest-grossing R-rated movie at the time, and its star, Joaquin Phoenix, won an Academy Award.

    Greenlighting a sequel was a no-brainer.

    However, "Joker: Folie à Deux," which was released in October 2024, made just a fifth of what its predecessor earned at the box office, joining a long list of films that — surprisingly — nobody wanted to see.

    Pixar had a similar problem this year. After a decade of domination, the animation juggernaut's grip on the box office has been slipping, and nothing made that clearer than the release of "Elio" in June.

    Though producers, directors, and cast members likely assumed the films on this list would be box-office smashes, many ended up losing tens of millions of dollars. Some lost hundreds of millions.

    Take a look at the films that were surprise box-office bombs.

    Zoë Ettinger contributed to an earlier version of this story.

    "Elio" became the lowest-grossing (non-pandemic) Pixar movie by $64 million.
    elio pixar
    "Elio."

    Pixar movies are almost always a sure bet, box-office wise. Five have made over $1 billion, and another 12 have made at least $500 million worldwide.

    However, the studio's latest offering, "Elio," a story about a lonely boy who looks to the stars to find friends — and is abducted by aliens in the process — made $154 million worldwide.

    It also had the lowest wide-release opening weekend of any Pixar movie, even unadjusted for inflation, per The Numbers. It made a dismal $20.84 million. That's lower than "Toy Story's" opening weekend in 1995, a full 30 years ago.

    We may never know why "Elio" bombed so hard, but we do know that production was troubled, per The Hollywood Reporter, with one source at Pixar calling the resulting low box office "catastrophic."

    "Joker: Folie à Deux" was a failure for Warner Bros last year.
    This is a still from "Joker: Folie à Deux," in which Joaquin Phoenix is wearing a white suit in semi-darkness and wearing Joker clown makeup.
    Joaquin Phoenix plays the Joker in "Joker: Folie à Deux" and "Joker."

    No matter how controversial the first "Joker" film was, it was a financial success — it was the highest-grossing R-rated movie ever (until this year's "Deadpool & Wolverine") and made over $1 billion worldwide.

    If you had told anyone in 2019 that the sequel to "Joker" would barely cross the $200 million threshold, they would not have believed you.

    According to estimates by Variety, the film could lose its studio anywhere from $125 to $200 million.

    To make matters worse, it also earned the rare "D" on CinemaScore, meaning that nobody saw it, and the people who did hated it.

    The Marvel Cinematic Universe had its first real bomb on its hands with 2023's "The Marvels."
    Brie Larson as Captain Marvel in "The Marvels."
    Brie Larson as Captain Marvel in "The Marvels."

    The MCU is the most successful film franchise of all time, raking in billions of dollars for Disney. But the cracks started to show with "The Marvels," which had the lowest opening of any MCU movie at $65 million.

    Forbes reported the film lost $237 million, even though it wasn't actually as bad as some people on the internet would have you believe.

    The 2001 Muhammad Ali biopic "Ali" starred A-lister Will Smith as the iconic boxer, but the film lost Sony millions of dollars.
    ali

    The biographical film about the life of boxer Muhammad Ali had a $107 million production cost that was raised to $118 million after director Michael Mann moved filming to Africa, according to Bomb Report.

    Box Office Mojo estimates the film made $87.8 million worldwide. Sony was reportedly on the hook for over $100 million when including marketing costs.

    In 2003, Brad Pitt and Catherine Zeta-Jones starred in "Sinbad: Legend of the Seven Seas," but not even they could prevent the movie from losing $125 million at the box office.
    "Sinbad: Legend of the Seven Seas".
    "Sinbad: Legend of the Seven Seas".

    DreamWorks co-founder David Geffen has publicly said that the film, which centered on a legendary sailor framed for stealing a sacred book, lost the studio $125 million, the Los Angeles Times reported.

    The 2004 film "Alexander" starred Colin Farrell and Angelina Jolie at the peak of their powers, but it reportedly lost about $71 million.
    alexander movie

    The film, about the life of Alexander the Great, had a reported budget of $155 million. According to the Bomb Report, the film's gross sank 65.2% in its second weekend and another 68.9% in its third week. Overall, production company Intermedia posted a $29.4 million loss for the year.

    The 2004 film "Around the World in 80 Days" starred Jackie Chan straight off two successful "Rush Hour" films, but his popularity couldn't save the movie.
    "Around the World in 80 Days".
    "Around the World in 80 Days".

    Based on the beloved adventure novel by Jules Verne about traveling the world in 80 days, the film had an estimated budget of $110 million, but only made $72 million worldwide, according to Box Office Mojo.

    The film is most notable now, perhaps, for being the last acting role of Arnold Schwarzenegger before he became the governor of California.

    In 2005, A-listers Jamie Foxx, Josh Lucas, and Jessica Biel starred in "Stealth" — it was a notorious flop.
    Jamie Foxx in "Stolen".
    Jamie Foxx in "Stolen".

    The film is about three top Navy fighter pilots tasked with manning a drone-like plane. It had a budget of $138 million and was directed by "The Fast and Furious" director Rob Cohen, so everyone had high expectations.

    However, it lost at least $56 million due to box-office deficits, and likely even more after taking out movie theaters' cuts and marketing costs, Box Office Mojo reported.

    "Sahara" starred Matthew McConaughey and Penelope Cruz, but it lost an estimated $78 million at the box office in 2005.
    Sahara

    The film follows a treasure hunter as he travels to Africa in search of a long-lost ship. It had a reported production cost of $160 million. The Los Angeles Times reported it lost the studio $78 million, and called it "one of the biggest financial flops in Hollywood history."

    In 2006, Kurt Russell starred in "Poseidon," which lost an estimated $69 million.
    Kurt Russell in "Poseidon".
    Kurt Russell in "Poseidon".

    "Poseidon" is a remake of the original beloved film, 1972's "The Poseidon Adventure." The disaster movie about a sinking cruise ship had a budget of $160 million. After everything, it lost the studio $69 million, Business Insider previously reported.

    "Evan Almighty," the 2007 spin-off of the mega-hit "Bruce Almighty," lost an estimated $50 million.
    Evan Almighty

    The film centered around the biblical tale of Noah's ark, and it starred Steve Carell and Morgan Freeman. It had an estimated budget of $175 million and even became the most expensive comedy of all time, according to Reuters.

    But, according to Bomb Report, the film lost one of its backers $50 million.

    Martin Scorsese's 2011 film "Hugo" lost an estimated $80 million at the box office.
    hugo

    The film about a young orphan living in a train station starred young actors Asa Butterfield and Chloë Grace Moretz. It ended up going $80 million over budget, according to Bomb Report, and lost the studio $80 million — proving that not every Scorsese film is a box-office hit.

    "Green Lantern" co-starred Ryan Reynolds and Blake Lively, both beloved stars, but it had an estimated $75 million box-office loss in 2011.
    green lantern

    The superhero film about a test pilot who gets a powerful alien ring had an estimated budget of $200 million, but it barely broke even at the box office. Overall, the studio took a $75 million loss, according to Bomb Report.

    At the time, superhero films were in the middle of a renaissance after movies like "Iron Man" and "The Dark Knight" had proven that comic-book movies had mass appeal. But, "Green Lantern's" failure shows that a built-in fan base doesn't always lead to success.

    "Pan," the 2015 reimagining of "Peter Pan," starred box office draw Hugh Jackman, but it ended up losing the studio up to $150 million.
    Pan

    "Pan" had an estimated budget of $150 million, but its offensive casting of Rooney Mara as the Native American character Tiger Lily, its heavy reliance on CGI, and general disinterest in another "Peter Pan" film led the movie to box-office bomb status, The New York Times reported.

     The Hollywood Reporter predicted that the film "could see losses in the $130 million to $150 million range" back in 2015.

    The 2016 sequel "Alice Through the Looking Glass," which starred Johnny Depp and Anne Hathaway, lost an estimated $70 million.
    alice through looking glass

    A sequel to the 2010 Tim Burton film "Alice in Wonderland," "Alice Through the Looking Glass" had an estimated budget of $170 million and ended up costing Disney an estimated $70 million — it was especially shocking, considering that the first film topped $1 billion.

    Steven Spielberg's 2016 adaptation of "The BFG," based on Roald Dahl's book, was estimated to have lost at least $90 million.
    The BFG

    The film follows the Big Friendly Giant as he befriends a young orphan Sophie, even though it goes against giant nature. It had an estimated budget of $140 million, and according to The Hollywood Reporter, "lost $90 million to $100 million for partners Disney, [Steven] Spielberg's Amblin Entertainment and Participant Media."

    It's one of the acclaimed director's biggest flops.

    The 2017 film "King Arthur: Legend of the Sword" ended up losing an estimated $150 million.
    king arthur legend sword charlie hunman
    "King Arthur: Legend of the Sword," a movie that is bad.

    The film follows a young Arthur after the murder of his father and his quest to gain back the throne of Camelot. It had an estimated budget of $175 million and only grossed $148 million, according to Box Office Mojo. Forbes blamed the lack of movie stars, extensive re-shoots, and an inflated budget, among other things, for the film's reported $150 million loss.

    "Justice League" had a star-studded cast and an unreal amount of hype, but it lost Warner Bros. somewhere between $50 and $100 million in 2017.
    justice league movie

    DC's answer to Marvel's "Avengers" superhero team-up movie had an estimated budget of $300 million. Business Insider reported that the film could have cost Warner Bros. up to $100 million.

    The 2018 fantasy would-be epic "A Wrinkle in Time" was based on a hit novel produced by Disney and starred Oprah, Reese Witherspoon, and Mindy Kaling … but it still flopped.
    a wrinkle in time

    The mind-bending story of young Meg's journey across time and space to rescue her father from darkness had a reported budget of $103 million, and Yahoo Finance reported that Disney lost between $86 million and $186 million on the film.

    Though "Star Wars" films are usually a hit, 2018's "Solo: A Star Wars Story" reportedly lost an estimated $76 million.
    Solo: A Star Wars Story
    Directed by Ron Howard.

    The film follows a young Han Solo (played by Alden Ehrenreich), the most iconic space smuggler of all time, as he meets his future partner and best friend Chewbacca, future frenemy Lando Calrissian, and a heretofore unknown love interest Qi'ra.

    It had an estimated budget of $275 million. Though the film made over $392 million worldwide, that's nothing when you compare it to the $2 billion gross of "The Force Awakens," and the $1 billion grosses of "The Last Jedi" and "The Rise of Skywalker."

    Based on the hit musical, the 2019 adaptation of "Cats" was a box office flop, losing between $71 and $113 million.
    cats movie

    The CGI-heavy movie about a tribe of cats called the Jellicles had an estimated budget of $95 million and a famously cursed production. Though "Cats" is a beloved musical and ran on Broadway for years, audiences didn't show the film version the same love. Deadline calculated losses at approximately $113.6 million.

    "Dolittle" was supposed to be Robert Downey Jr.'s follow-up to "Avengers," but it was the first big flop of 2020.
    robert downey jr dolittle

    The film about a doctor who can talk to animals had an estimated budget of $175 million and an all-star voice cast including Tom Holland, Emma Thompson, Rami Malek, Octavia Spencer, and more. That didn't stop Vulture from calling it "2020's first official mega-flop."

    The Observer estimated that "Dolittle" needed to make $500 million to turn a profit and with a final gross of just half that, you can be sure that no one at Universal was pleased with those results.

    Read the original article on Business Insider
  • I work with companies to confront addiction in the workplace. The hidden crisis is costing corporate America millions.

    Nicole Fox, VP of marketing and communications at Shatterproof
    Nicole Fox is the vice president of marketing and communications at Shatterproof.

    • Addiction is rising across the US, and it's hitting the workforce harder than ever.
    • In corporate America, perfectionism and pressure often mask who's truly at risk.
    • Here's how I help companies confront addiction, and what employers can do next.

    Shatterproof is a national nonprofit dedicated to reversing the US addiction crisis through stigma reduction, treatment reform, and workplace education.

    Business Insider correspondent Reed Alexander spoke with Nicole Fox, vice president of marketing and communications at Shatterproof, who has worked directly with companies to help tackle addiction in their ranks. This as-told-to interview has been edited for length and clarity.

    Addiction doesn't always show up in the way that society likes to portray it. Many people are able to maintain their lifestyles without subscribing to what the media tells us addiction looks like. Especially in white collar settings, it doesn't show up like absenteeism or poor performance. On Wall Street, it often hides behind overperformance.

    It might be, you know, the analyst who's the first one in, the last one out, the VP who never misses a target; but they might be quietly unraveling after hours.

    We partnered with the National Safety Council to create a substance-use cost calculator. Take for example, an employer with 45,000 employees. They will lose $50 million annually in turnover, absenteeism, and healthcare costs related to substance use disorder. And for every employee who's in recovery, that same company can save about $8,500 annually.

    We need coworkers and managers to be equipped to step in and have productive, compassionate conversations that prioritize employee mental health. Addiction isn't a failure of character. It's a challenge of our culture.

    The hidden crisis

    Addiction exists inside every workforce, including white-collar industries. One in six Americans — almost 50 million people over the age of 12 — have substance use disorder. Of that population, 70% are employed.

    Overdose is also the No. 1 killer of 18 to 44-year-olds. That cohort alone is over half of America's workforce. It's not a niche health issue. We really see this as the public health crisis of our time.

    We conducted a large-scale survey to measure public attitudes, people's beliefs, and their knowledge around substance use disorder. It's called the Shatterproof Addiction Stigma Index. We found that although 70% of adults said that they're willing to have someone with a substance use disorder as a coworker, about half — so 48% — were unwilling to work closely with that person. Even more were unwilling to hire someone with substance use disorder — that's 55% — or to have them as a supervisor — that's 67%.

    So while people say the words and check the boxes that they're willing to work with someone with a substance use disorder, it's kind of that "not in my backyard." Like, yes, I'm willing to, but as long as it's not with me personally.

    The disparity between people's own understandings and their own belief in their own compassion — that was really surprising.

    They say, "Yes, I'm willing to work with someone with a substance use disorder. It's fine if they work at my company as long as they don't manage me, as long as I don't manage them, as long as they don't sit next to me."

    Warning signs and behaviors that drive addiction at work

    High-pressure cultures glorify burnout: it masks warning signs and it can even reinforce unhealthy coping mechanisms.

    Alcohol is a big piece of this. When we talk about substance use disorder, you hear the term addiction — people's first thought isn't always alcohol. It's so deeply normalized. You've got client dinners, you've got team bonding, closing deals, and the low stigma around alcohol use makes it easy for those problems to go unnoticed.

    Thirty-four percent of people who need treatment report not getting it because they're afraid that bad things would happen to them — like they would lose their job, lose their home, lose their children. And unfortunately, those fears are really valid concerns. Employees need to know that they can seek help without risking their careers.

    We're not expecting managers to be therapists or clinicians; they just need to be recognizers. So teaching them how to spot the subtle changes when someone is withdrawn, if they're defensive, communications shifts, and then equipping them with specific steps to take based on their company's own EAP and benefits — that gives them an action plan to help and to help swiftly.

    We've seen the most success when there is true engagement from the top. It's twofold — creating a safe, productive space for their employees, but then also the recognition that ignoring addiction is really expensive.

    We've worked with companies — we've called them "courageous conversations" — where the CEO brings this up at an all-staff. We have someone from Shatterproof present to help guide the conversation, and they share how substance use disorder has impacted them personally. HR is there, all the employees are there, and they have this really vulnerable conversation together.

    We're setting the stage for education, so we're inviting people to replace judgment with curiosity.

    Read the original article on Business Insider
  • I shopped at Michaels and Hobby Lobby for holiday decor. My teen has a clear favorite, but I feel torn.

    Composite of image of author Terri Peters smiling outside of a Michaels and smiling outside of a Hobby Lobby
    Both Michaels and Hobby Lobby have tons of seasonal sales and home decor, but the retailers are quite different.

    • This winter, I shopped at Michaels and Hobby Lobby to get a feel for their 2025 holiday merchandise.
    • I thought Michaels had more seasonal craft supplies, and Hobby Lobby had more holiday home decor.
    • My Gen Z daughter preferred Michaels, but I could see the benefits of shopping at both stores.

    Honestly, I get excited when stores put up their Christmas displays in October. It never feels too early when the winter holiday season is one of your favorite times of the year.

    I'm a sucker for it all it brings, whether I'm meticulously planning which wrapping paper to use on gifts or sipping peppermint lattes while shopping for decorations.

    When it comes to the latter, I typically visit craft retailers Hobby Lobby and Michaels. So, for the third year in a row, I went to the two retailers to compare their seasonal offerings.

    Much to my delight, I found the 2025 winter holidays in full effect at both. However, I found each store shines in some areas but lacks in others.

    Here's how my holiday shopping experiences at Hobby Lobby and Michaels compared this year.

    Michaels and Hobby Lobby both had tons of different artificial trees.
    Christmas trees on display at Michaels

    There was no shortage of artificial Christmas trees at either retailer.

    Each seemed to sell every variation of tree imaginable. Shoppers could choose between blinking white lights or solid colorful ones, branches covered in snow or lightly flocked with it, and a wide range of heights.

    I saw trees that were black, pink, and Grinch-green, as well as ones made from sparkly tinsel. Whatever type of artificial tree you're dreaming of this year, chances are you'll find it at either store.

    There were also endless options for ornaments at both stores.
    Santa, cow, and other ornaments on display at Hobby Lobby
    Hobby Lobby's ornament selection was fun to look through.

    In addition to multipacks of ball-shaped filler baubles for just about any tree-decorating color scheme, each store stocked plenty of specialty ornaments.

    I also saw character-themed ornaments — from franchises like Harry Potter and Elf on the Shelf — at both stores.

    At Hobby Lobby, I bought a glass camera ornament for my film-loving teenage son.

    Truly, I'd happily adorn my tree with options from either retailer.
    Wall of ornaments on sale at Michaels

    At Michaels, I grabbed both a monogrammed "P" ornament (for our family's last name) and a fuzzy felt mouse wearing a Mrs. Claus-style dress and holding a tray of cookies.

    Ultimately, my ideal tree would have a mix of fun designs and baubles from Michaels and Hobby Lobby.

    There were also a lot of other tree-trimming materials at both Michaels at Hobby Lobby.
    Garland strands at Hobby Lobby

    Again, anything you could dream of for decking your halls was on offer at Michaels and at Hobby Lobby, from strands of plastic Christmas candies to long swaths of realistic-looking pine garland.

    Each store also had a decent selection of seasonal outdoor decorations — light-up figurines, metal yard signs, inflatable lawn figures, and more.

    Michaels had several themed sections of decor.
    Michaels red and white santa-style decor collection

    Michaels had arranged its holiday decor by theme in a series of three or four aisles.

    I spotted a collection of nutcracker-themed decor and a section for traditional red, white, and green items. The pink-peppermint decorations and vintage-style collection featuring dogs and cats also caught my eye.

    Some of Hobby Lobby's decor was also divided by theme.
    Pink, girly candy-inspired decor at Hobby Lobby

    Somewhat similar to Michaels, some of Hobby Lobby's holiday decor was organized by style throughout the store.

    I perused adorable snowman items on one set of shelves and a collection of holiday trees and reindeer on another. A whole display was dedicated to Santa, and one shelf was packed with baby-pink and light-blue gingerbread-house-style decorations.

    That said, Hobby Lobby's seasonal displays seemed to be really spread out throughout the store. I had to walk through the front, middle, and back of the building to see everything on offer for the holidays.

    If you're an Elf on the Shelf family, go to Michaels.
    Elf on the shelf display at Michaels

    Michaels was stocked with a variety of Elf on the Shelf merchandise, including candy, outfits, craft kits, plushies, and games. The store had plenty of actual figurines for sale, too.

    If your kids are fans of these characters and all the shenanigans they bring to the holidays, Michaels is a must-visit stop.

    The Grinch was everywhere I looked at Hobby Lobby.
    Grinch items on display at Hobby Lobby

    I found several aisles at Hobby Lobby with items themed around "How the Grinch Stole Christmas."

    The chain seemed to have something for just about every fan of the franchise, from lamps with shades covered in Grinch-green fur to mugs designed to look like Max and Cindy Lou Who

    Michaels had some unique pieces in its lineup of seasonal decor.
    Black soldiers decor at Michaels

    I visited Michaels with my husband and 15-year-old daughter, and we all found decor we enjoyed.

    My daughter loved the "silly cats" found across Michaels' vintage-style Christmas collection.

    Meanwhile, my husband was interested in the all-black Christmas decorations from the "Silent Night" collection. These darkly unique nutcrackers, ornaments, figurines, and other decor items would make for a pretty elegant … or spooky … holiday display.

    As usual, Hobby Lobby maintained a very traditional approach to seasonal decor.
    Vintage-style christmas tree ceramics at Hobby Lobby

    I didn't see much at Hobby Lobby that strayed too far from what I'd consider traditional Christmas decor.

    Many pieces simply featured Santa Claus, trees, candy canes, gingerbread houses, and snowmen without many styles that feel particularly new or different.

    Its wide selection of more standard holiday fare certainly isn't a bad thing, though; it just depends on your style. Plus, classics are often classic for a reason.

    Michaels had everything my teen's TikTok-inspired dreams are made of.
    Wood Christmas houses at Michaels

    Michaels had exactly what my daughter wanted from a holiday-decor shopping experience.

    She was thrilled to find tons of unfinished wood holiday village pieces, which she's seen a lot on TikTok lately.

    In fact, the two of us plan to have some of her friends and their moms over soon to paint a DIY Christmas village, and we know where we'll be buying the supplies.

    For now, she picked up a few unfinished wooden nutcrackers to paint.

    However, my daughter wasn't sure about Hobby Lobby's style.
    Teenage girl holding giant stuffed gingerbread in Hobby Lobby

    On the other hand, my teen wasn't so impressed by the offerings at Hobby Lobby and the style of some of its decor.

    "These are as big as I am," she said as she picked up one of the store's enormous stuffed gingerbread men. "I don't get it."

    She didn't really find any crafts or pieces she wanted to take home, either. However, I found lots of items I loved at Hobby Lobby, from a snowman teapot to Santa espresso cups.

    Maybe she's just not the chain's target audience.

    There were tons of deals to be found at both Hobby Lobby and Michaels, which is nothing new.
    50% off sale sign on candle display at Michaels

    Both craft and decor retailers seem to always be running sales with a certain percentage off specific items, and the holidays are no exception.

    On our trip to Michaels, several craft kits were 30% off, holiday candles were three-for-$9.99, and most holiday decor was on sale for half off.

    At Hobby Lobby, everything "Christmas" was 50% off.

    Both regularly offer coupons and various promotions throughout the season, so it's a good idea to keep an eye on each store's mobile app and weekly ad.

    I couldn't find winter holidays other than Christmas represented at either retailer.
    Christmas mugs at Hobby Lobby
    Hobby Lobby has lots of decor for winter and Christmas.

    Michaels and Hobby Lobby tend to go all out for Christmas, but I always look to see if they have sections for other winter holidays, such as Hanukkah, Diwali, and Kwanzaa.

    Some years, I've found displays with items for holidays other than Christmas at Michaels, but I haven't seen anything yet at my local store.

    Given Hobby Lobby's CEO is a devout Christian and the chain doesn't even sell Halloween decorations, I wasn't surprised Christmas was (once again) the only winter holiday I found represented on its shelves.

    Overall, Michaels seemed like the place for holiday crafters.
    Wooden nutcrackers at Michaels

    I found way more seasonal craft supplies at Michaels than at Hobby Lobby, so it'd be my go-to stop for my artsy holiday needs.

    The chain impressed me with offerings like craft kits for a range of ages, as well as wooden figurines and ceramic holiday lamps that anyone could personalize.

    This week alone, my daughter and I have stopped into our local Michaels twice to buy unfinished wood pieces that we can paint while watching Hallmark holiday movies.

    Hobby Lobby, on the other hand, felt more geared toward entertainers and hosts.
    Christmas-themed toothpicks, aprons, spoons, servingware at Hobby Lobby

    Hobby Lobby was full of items I'd use for hosting, from festive paper goods to ceramic serving platters emblazoned with seasonal sayings and images.

    While shopping there, I found baking supplies, gingerbread-house decorating kits, games to play during Christmas dinner, and more.

    The retailer would be the perfect spot to pick up everything you need to host a holiday gathering, whether that's a dinner party or a cookie exchange.

    Which store is best for you? That depends on what you're shopping for.
    Author Terri Peters smiling inside of a Hobby Lobby in front of greenery display

    It's safe to say you could head into Michaels or Hobby Lobby and find everything you need to decorate both the inside and outside of your home for the holidays.

    However, the one you should shop at depends on your priorities.

    If you're looking for holiday craft supplies or some DIY inspiration for the season, Michaels may be the place to start. It's an especially good spot for those wanting more unconventional decor to suit a wider range of tastes and styles.

    And if you're entertaining a lot over this Christmas season, Hobby Lobby should have everything you need. It's also a solid stop for anyone who wants to decorate their space with more classic seasonal imagery and designs.

    Both stores are full to the brim with holiday offerings right now, so you can't go wrong at either. No matter which you choose to shop at, just remember to stop for a peppermint latte on the way.

    Read the original article on Business Insider
  • 3 ASX ETFs to buy now for explosive long-term growth

    A young women pumps her fists in excitement after seeing some good news on her laptop.

    While the market has been choppy this year, long-term investors know volatility often creates opportunity.

    If your time horizon stretches well beyond the end of this decade, some of the most powerful megatrends in technology, digital assets, and innovation could deliver exceptional growth.

    One of the simplest ways to tap into those opportunities is through exchange-traded funds (ETFs).

    With a single purchase, you can gain access to dozens of high-growth stocks that are shaping the next era of the global economy.

    Here are three ASX ETFs that stand out for investors seeking explosive long-term growth.

    BetaShares S&P/ASX Australian Technology ETF (ASX: ATEC)

    For investors who want exposure to Australia’s best technology stocks, the BetaShares S&P/ASX Australian Technology ETF could be the go-to option. It captures a portfolio of homegrown innovators positioned to benefit from digital transformation, cloud adoption, automation, and high-performance computing.

    This ASX ETF’s holdings include market leaders such as WiseTech Global Ltd (ASX: WTC), Xero Ltd (ASX: XRO) and NextDC Ltd (ASX: NXT). These companies continue to expand internationally and dominate their respective niches in logistics software, small business accounting and data centre infrastructure.

    For investors who want pure exposure to the ASX tech sector, this fund remains one of the best options available. It was recently named as one to consider buying by analysts at Betashares.

    BetaShares Crypto Innovators ETF (ASX: CRYP)

    The BetaShares Crypto Innovators ETF is certainly not for the faint-hearted. But for long-term investors with a tolerance for volatility, it offers exposure to one of the fastest-growing technology frontiers: digital assets.

    Instead of holding cryptocurrencies directly, this ASX ETF invests in stocks that are building the infrastructure of the crypto ecosystem.

    Its holdings include Coinbase Global (NASDAQ: COIN), Marathon Digital Holdings (NASDAQ: MARA) and Hut 8 Mining (NASDAQ: HUT). These companies form the backbone of crypto trading, blockchain validation, and digital transaction networks.

    Coinbase is particularly interesting. As regulatory clarity improves and mainstream adoption increases, it stands to benefit from higher trading volumes, institutional participation, and the broader expansion of the digital asset economy.

    For investors aiming for explosive upside, it could be a compelling long-term pick.

    BetaShares Australian Momentum ETF (ASX: MTUM)

    Finally, the BetaShares Australian Momentum ETF takes a unique approach by investing in Australian stocks that are showing strong share price momentum. This rules-based strategy captures the market’s current leaders.

    At present, the ASX ETF includes stocks such as Qantas Airways Ltd (ASX: QAN), Coles Group Ltd (ASX: COL) and Wesfarmers Ltd (ASX: WES).

    Momentum strategies have historically outperformed over long periods by consistently rotating into whichever sectors and stocks are delivering the strongest returns. This gives the fund an important advantage: it adapts automatically. As new leaders emerge, the ETF adjusts its holdings accordingly.

    For investors seeking a dynamic, performance-driven strategy, this is arguably one of the most interesting ETFs on the ASX. It was also recommended by analysts at Betashares.

    The post 3 ASX ETFs to buy now for explosive long-term growth appeared first on The Motley Fool Australia.

    Should you invest $1,000 in Betashares S&P Asx Australian Technology ETF right now?

    Before you buy Betashares S&P Asx Australian Technology ETF shares, consider this:

    Motley Fool investing expert Scott Phillips just revealed what he believes are the 5 best stocks for investors to buy right now… and Betashares S&P Asx Australian Technology ETF wasn’t one of them.

    The online investing service he’s run for over a decade, Motley Fool Share Advisor, has provided thousands of paying members with stock picks that have doubled, tripled or even more.*

    And right now, Scott thinks there are 5 stocks that may be better buys…

    * Returns as of 18 November 2025

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    More reading

    Motley Fool contributor James Mickleboro has positions in Nextdc, WiseTech Global, and Xero. The Motley Fool Australia’s parent company Motley Fool Holdings Inc. has positions in and has recommended Wesfarmers, WiseTech Global, and Xero. The Motley Fool Australia’s parent company Motley Fool Holdings Inc. has recommended Coinbase Global. The Motley Fool Australia has positions in and has recommended WiseTech Global and Xero. The Motley Fool Australia has recommended Wesfarmers. The Motley Fool has a disclosure policy. This article contains general investment advice only (under AFSL 400691). Authorised by Scott Phillips.

  • Meet Jay Graber, the CEO of Bluesky, who is building a ‘billionaire-proof’ and decentralized social media platform

    Jay Graber at the Keynote "The Future of Social with Jay Graber, Bluesky CEO" during SXSW Conference & Festivals at the Austin Convention Center on March 10, 2025 in Austin, Texas. (Photo by Samantha Burkardt/SXSW Conference & Festivals via Getty Images)
    Jay Graber is the CEO of Bluesky, a decentralized social media platform with over 40 million registered users.

    • Jay Graber studied how technology interacts with society at the University of Pennsylvania.
    • Bluesky's open protocol offers a decentralized alternative to X and Meta platforms.
    • Here is a look at Graber's career and her unconventional path to Silicon Valley.

    Jay Graber is the engineer behind one of the most ambitious experiments in reimagining social media.

    The Tulsa-born CEO is best known for steering Bluesky, the decentralized platform she describes as a "billionaire-proof" alternative to X and Meta-owned platforms.

    Graber's emergence as a Silicon Valley power player was unconventional. In 2021, former Twitter CEO Jack Dorsey tapped her to lead the Bluesky project, which was spun off as an independent public benefit company, just before Elon Musk's takeover of Twitter.

    Since then, Bluesky's user base has grown to over 40 million as of November 2025, powered by its open protocol, customizable moderation system, and promise of a more democratic digital ecosystem.

    Here's a look at Graber's career timeline, from her early work in cryptocurrency to her rise as the architect of a new, user-owned social media platform:

    Early life
    Jay Graber

    Jay Graber was born Lantian Graber in Tulsa, Oklahoma, to a mother who is an immigrant from China during the Cultural Revolution and a father of Swiss descent. Her mother, who is an acupuncturist, named Graber "Lantian", which means "blue sky" in Chinese, as a wish that she would have "boundless freedom." She was aptly named for the job she would eventually be given.

    Her father is a mathematics teacher, and in a 2024 profile of Graber in Cosmico, he is cited as a source of intellectual and academic influence for Graber.

    Education
    JULY 17: A general view of the Penn Shield University of Pennsylvania logo on July 17, 2025, at the University of Pennsylvania, in Philadelphia, PA. (Photo by Erica Denhoff/Icon Sportswire via Getty Images)

    At the University of Pennsylvania, Graber studied Science, Technology & Society, which is an interdisciplinary program that examines how technological innovation intersects with culture, politics, and ethics.

    Rather than focusing solely on coding or engineering, the program allowed Graber to explore the broader systems that shape how technology is developed and utilized, an approach that later influenced her views on social networks and digital governance.

    Some of her key guiding views include a decentralized internet and open source social media protocols. "We believe that the protocol is the fundamental guarantee on freedom of speech," Graber said once during an interview with Fast Company.

    Before Bluesky
    A bitcoin illustration

    Graber's early career unfolded during the first wave of blockchain innovation in the mid-2010s. After graduating from the University of Pennsylvania, she began her career as a software engineer at SkuChain, a startup focused on utilizing blockchain for supply-chain management. Around the same time, she also built and soldered bitcoin-mining rigs, deepening her technical grasp of decentralized systems beyond software.

    Between 2016 and 2018, Graber joined the privacy-focused cryptocurrency project Zcash as a junior developer, contributing to one of the most advanced implementations of zero-knowledge proofs. Later, in 2019, she founded Happening, Inc., an events app that aimed to help communities organize and connect through shared experiences.

    Happening, Inc. never really took off, but these early roles grounded Graber in both the engineering and ideological foundations of decentralized technology, which later shaped the vision for Bluesky as an open, user-controlled social network.

    Joining Bluesky
    Bluesky logo

    When Jack Dorsey, then CEO of Twitter, first announced Bluesky in late 2019, it was a small, Twitter-funded initiative tasked with researching an open and decentralized standard for social media.

    By August 2021, Dorsey decided to onboard Graber, who was then known in crypto circles for her work on Zcash and decentralized community tools, to lead and accelerate the effort. However, according to an April 2025 profile of Graber in the New Yorker, she quickly realized that for Bluesky to fulfill its mission, it needs to create a social protocol separate from any single corporation and maintain independence from Twitter.

    With Dorsey's backing, Graber negotiated a formal spin-out by October 2021 and incorporated Bluesky as a public benefit corporation, a legal structure that allowed it to prioritize user benefits and open standards over shareholder profit.

    Twitter provided an initial $13 million in funding to give the new entity "freedom and independence to get started," as Dorsey publicly described at the time.

    Bluesky's rise
    Bluesky app

    Graber's early move to separate Bluesky from Twitter may have saved it.

    When Elon Musk acquired Twitter in 2022 and renamed the platform X, Bluesky's independence allowed it to thrive and emerge as a competitor to X as droves of users left the platform.

    In September 2023, Bluesky only had around 1 million registered users, but this figure climbed to more than 20 million by the end of November 2024. The meteoric rise came after a user surge in Brazil after X was temporarily restricted there, as well as 1.25 million user gains the week after Donald Trump won the 2024 presidential election.

    As of November 2025, Bluesky has around 40 million registered users. That is no match for X's roughly 560 million users, but it provided an alternative for those dissatisfied with X's ownership and content moderation.

    Calling out Big Tech
    Jay Graber at the Keynote "The Future of Social with Jay Graber, Bluesky CEO" during SXSW Conference & Festivals at the Austin Convention Center on March 10, 2025 in Austin, Texas. (Photo by Samantha Burkardt/SXSW Conference & Festivals via Getty Images)

    Graber has taken a subtle dig at Mark Zuckerberg, the CEO of Meta, which owns Facebook, Instagram, and Threads.

    During SXSW in Austin in March 2025, Graber wore a black T-shirt that reads "Mundus sine caesaribus," meaning "a world without Caesars." The design and font are widely interpreted as a response to Zuckerberg's own Latin slogan shirt, which reads "Aut Zuck aut nihil," meaning "either Zuck or nothing."

    The shirt drew public curiosity, and Bluesky began selling the same shirt. A spokesperson for the company told Business Insider at the time that the shirts sold out in 30 minutes, representing the company's "democratic approach, where no single CEO or company controls your experience online."

    A modest net worth
    Jay Graber

    Compared to other Silicon Valley CEOs who run major social media platforms, all of whom are billionaires, Graber has a very modest net worth.

    Estimates of Graber's net worth fall between $2.95 million and $5 million, mostly depending on her equity in Bluesky. Since Bluesky is not a publicly traded company, Graber's stake in the company and her annual compensation are not publicly disclosed.

    As of early 2025, Bluesky's valuation is estimated to be around $700 million.

    A 'billionaire-proof' platform
    Jay graber

    Graber positions Bluesky as a new kind of social network.

    Bluesky is built on an open-source Authenticated Transfer Protocol, which decentralizes social networking and hands more control to users rather than a single company or executive.

    "The billionaire proof is in the way everything is designed, and so if someone bought or if the Bluesky company went down, everything is open source," Graber told CNBC in an interview in November 2024.

    "What happened to Twitter couldn't happen to us in the same ways, because you would always have the option to immediately move without having to start over," Graber added, referring to Musk's purchase of the platform that is now named X.

    Unlike traditional social platforms like X or Facebook, Bluesky is built on an open-source ecosystem called the ATmosphere, powered by the Authenticated Transfer Protocol. The system gives users the ability to design and customize their own ranking algorithms, carry their posts and followers with them across different apps, and avoid being subject to any platform's arbitrary or politically driven moderation decisions.

    Activism on Bluesky
    Protesters from the Tesla Takedown movement gather outside a Tesla pop-up store
    Protesters from the Tesla Takedown movement gather outside a Tesla pop-up store

    Bluesky became a platform widely used by progressive activists and community organizers.

    The Tesla Takedown movement, a pushback against Tesla CEO Elon Musk's involvement with Donald Trump and the White House's DOGE office, famously spread via Bluesky when actor Alex Winter contacted a sociologist in Boston to build a website where people could organize local protests.

    But the progressiveness of Bluesky also seems to have spooked some politicians. Semafor's media reporter Max Tani wrote in May 2025 that some congressional staffers told him that they gave up on using Bluesky as an alternative to X, because "their bosses kept getting yelled at by Democratic users angry at their impotence."

    Changing the ecosystem
    Jay graber in conversation with Fast Company

    Graber is unfazed by Bluesky's slower growth in terms of registered and active users.

    In an interview in May with Fast Company, Graber said that reports of Bluesky's death are "greatly exaggerated" and that growth "comes in waves," with new communities being established at each stage.

    "We're still seeing a lot of community formation, and one of the most exciting things is how structurally different this is," said Graber. "It's not just another social site that has to be a singular winner-take-all in an ecosystem with existing incumbents."

    In 2025, Bluesky still added around 10 million newly registered users.

    A warning against AI over-reliance
    Jay Graber

    Graber has tips on how to thrive in an era of AI, and reliance is not the answer.

    "AI can handle many reasoning tasks, but if we fully outsource our thinking, it's not good enough," Graber told Business Insider.

    She added that for students, that might mean writing essays by hand to "build the muscle for critical thinking."

    At Bluesky, Graber said AI is used for moderation and curation but never runs on its own, because while AI delivers packaged expertise, human value lies in judgment and adaptability.

    For job seekers, Graber encourages workers to adopt a generalist mindset and master core skills such as writing and coding.

    "If you don't know what good code looks like," she said, "you won't be able to evaluate AI's output."

    Read the original article on Business Insider