Tag: News

  • Trump is trying to win over Silicon Valley and former DeSantis backers to erase Biden’s considerable fundraising edge

    Trump
    Former President Donald Trump.

    • Trump is soliciting support from Silicon Valley donors to cut into Biden's cash edge.
    • Trump is discussing a fundraiser with two high-profile venture capitalists, Bloomberg reported.
    • The ex-president finds himself trailing the incumbent president in the fundraising race.

    Former President Donald Trump is turning to Silicon Valley and ex-donors of onetime rival Ron DeSantis to boost his campaign coffers and cut into President Joe Biden's hefty fundraising edge.

    Bloomberg recently reported that venture capitalists David Sacks and Chamath Palihapitiya were in talks with the Trump campaign to hold a June fundraiser at Sacks' residence in San Francisco. Trump would also participate in a taping of the pair's podcast, All In.

    Sacks, a cofounder of Craft Ventures, previously backed the Florida governor's now-defunct presidential campaign.

    Palmer Luckey, the founder of Oculus VR, will also host a June fundraiser for Trump in Newport Beach, a coastal city in Southern California, Bloomberg reported.

    Before he entered the presidential contest last May, DeSantis was the top conservative alternative to Trump, attracting support from wealthy Republican donors leery of backing the former president's campaign. But Trump never ceded his popularity among the GOP base and the former president subsequently won over key oil and gas executives, who began to open up their checkbooks.

    The former president's push to appeal to high-profile Silicon Valley donors follows a similar path.

    Biden has long had considerable support among Silicon Valley tech luminaries. Just last week, the president traveled to the area for events hosted by onetime Yahoo chief executive Marissa Mayer and venture capitalist Vinod Khosla, part of his fundraising swing through California.

    While Biden and Trump both emerged from their respective party primaries as the presumptive nominees early in the nominating process, the incumbent president is far ahead in the money race as the critical summer stretch of the campaign begins.

    The Biden campaign closed out March with $85.5 million cash on hand. The campaign took in $43.8 million in that one month alone, according to the Federal Election Commission.

    Biden's numbers have so far dwarfed the Trump campaign, which raised $15.3 million in March and had $44.6 million cash on hand at the end of that month.

    The Trump campaign and the Republican National Committee announced earlier this month that they raised over $76 million for the former president in April.

    Biden's campaign, which has already beaten Trump to the punch in opening numerous campaign offices in critical battleground states, has not yet released its April figures.

    Read the original article on Business Insider
  • Why Netflix’s new NFL deal has some sports fans crying foul

    people standing in a crowd
    The NFL Draft at AT&T Stadium in Arlington, Texas.

    • Netflix secured a three-season deal with the NFL to air two games on Christmas.
    • The deal boosts the streamer's ad business, appealing to advertisers seeking live sports audiences.
    • NFL games will now be spread across seven platforms, potentially raising costs for fans.

    Score one for Netflix, which just announced a three-season deal with the NFL and will show two of the league's games on Christmas this year.

    For those who care about Netflix's ability to grow its nascent advertising business, it's a big deal. Advertisers will pay a lot for audiences that are tuning in for live sports, and unlike with TV shows and movies, they expect to see ads during breaks in the action on the field.

    For sports fans, it's another story. The news will bring to seven the number of places where the NFL's 272 regular season games will be spread: Four TV networks (CBS, Fox, Disney, and NBC), with a handful airing on Amazon, NFL Network, and now, Netflix.

    https://platform.twitter.com/widgets.js

    All in, it could cost fans $1,600 to watch all the games without cable, The Guardian reported, citing MarketWatch estimates.

    That assumes you're subscribing to Netflix's cheapest tier, among other things, and that you don't forget to cancel your subscription after watching the games. But the bet Netflix and other streamers are making is that you keep subscribing to watch all the other stuff they have, from movies to TV shows to live specials. An Antenna report found that 71% of Peacock subscribers who signed up to watch an exclusive playoff game earlier this year remained subscribers.

    And it's not just the NFL that's seeing distribution creep. For the past 21 years, the NBA has had just two TV partners: Disney's ESPN and Warner Bros. Discovery's TNT. Media analysts widely expect the NBA to select more distributors for its next media rights deal after the current setup expires in 2025. Experts expect the NBA will opt for three to avoid spreading its games too thin, though.

    The leagues would say they're just following the viewers, who themselves are splitting their time across multiple streaming services as well as TV.

    They're also chasing the growing pot of money for sports rights that media platforms are willing to pay for live sports' lucrative audiences.

    Some viewers also may not remember or realize that when they subscribed to cable, they were paying for sports via their cable package — whether they watched sports or not.

    But with the costs unbundled and viewers having to hunt around to find them, it's no surprise that some NFL fans are crying foul.

    Read the original article on Business Insider
  • Frank Lloyd Wright’s midcentury modern home designs are back, now in easy-to-assemble kit form

    Stanley Rosenbaum House designed by Frank Lloyd Wright.
    Stanley Rosenbaum House designed by Frank Lloyd Wright.

    • Lindal Cedar Homes sells house kits inspired by famed architect Frank Lloyd Wright.
    • The kits are based on Wright's famous homes but are updated for the modern homeowner.
    • The company told The Wall Street Journal they have sold 10 kits so far.

    Frank Lloyd Wright revolutionized America's home design industry almost a century ago. Now, you, too, can build a Wright-inspired home.

    Lindal Cedar Homes is now selling "kits" inspired by Wright's designs. The company first announced it partnered with the Frank Lloyd Wright Foundation to create the Lindal Imagine Series in June 2018, according to a press release.

    "There's been a surge of interest in midcentury modern homes for the middle class that are affordable and aesthetically pleasing," Josefin Kannin, marketing director for Lindal Cedar Homes, said. "These homes will meet that demand; they are unique, are integrated with nature, and have the feel of a much larger home."

    The house kits are inspired by Wright's 60 Usonian homes, which became a cultural and architectural phenomenon starting in the 1930s, according to the Frank Lloyd Wright Foundation.

    The Maynard Buehler House, designed by Frank Lloyd Wright, in California via 2019.
    The Maynard Buehler House, a design by Frank Lloyd Wright.

    The homes were built with the average American in mind, who at that time would have been navigating the Great Depression. The homes — typically made of natural materials and notable roof overhangs — were intended to be affordable and charming.

    Lindal Cedar Homes now brings those revered design sensibilities to the modern homeowner.

    The Maynard Buehler House, designed by Frank Lloyd Wright, in California via 2019.
    The Maynard Buehler House's living room.

    The Wright-inspired dwellings range in size from small homes measuring less than 900 square feet to larger 3,000-square-foot homes, the press release said. The company's website offers nine options that embrace six of Wright's design principles, like open-floor plans and integration with nature.

    One home, dubbed The Madison, is a two-bedroom, two-bathroom house spanning 1,603 square feet. It drew inspiration from Jacobs 1, Wright's first Usonian home.

    The company told The Wall Street Journal that it has sold 10 Wright-inspired house kits so far, four of which have already been completed. The outlet reported that one house kit cost nearly $300,000 in 2019, but Lindal Cedar Homes said prices have risen by at least 40% in 2024.

    One Usonian home in Wisconsin hit the market in September 2022 and sold for $1.025 million one month later. The homebuyers paid $300,000 above the initial asking price.

    Representatives for Lindal Cedar Homes did not immediately respond to a request for comment from Business Insider.

    Read the original article on Business Insider
  • Sergey Brin says Google was 10 years too early with Google Glass — but they’d be perfect for AI

    Google cofounder Sergey Brin attends the 2024 Vanity Fair Oscar party
    Google's cofounder said Project Astra is the "killer app" for AI-powered glasses.

    • Sergey Brin said at Google I/O that Project Astra is "the perfect hardware" for smart glasses.
    • Google's cofounder said the tech giant was a decade too early with Google Glass, which famously flopped.
    • Google revealed Project Astra on Tuesday, an AI agent that was also working on prototype glasses.

    Google introduced a collection of AI updates and new releases at its I/O event Tuesday, including Project Astra, an AI agent that can understand and recall objects in the real world through your phone camera.

    At one point in the demo, the user puts on some prototype smart glasses and continues the conversation with the AI agent — which immediately caused some to speculate that Google Glass could make a return.

    Google cofounder Sergey Brin didn't discourage the idea when he was interviewed by reporters following the event.

    Brin, who stepped down as president of the company in 2019, told reporters at the conference that Project Astra is the "perfect hardware" for AI-powered glasses, according to a CNET report.

    "It's funny, because it's like the perfect hardware," Brin said. "It's like the killer app now, 10 years later," referring to the idea of an AI agent running on smart glasses like the ones the company released a decade ago.

    Brin showed off Google Glass onstage at Google I/O 2012, showcasing their video capture ability.

    [youtube https://www.youtube.com/watch?v=D7TB8b2t3QE?si=WK_YvXTLvhXCNDFr&w=560&h=315]

    Google first released the smart glasses to a select number of testers in 2013 before rolling sales out more widely in 2014. Controlled by voice command or the touchpad along its side, the $1500 Google Glass Explorer Edition could do things like send texts or capture photos and video.

    Google Glass existed for nearly 10 years, with the company launching two Enterprise editions before the company stopped selling the glasses altogether.

    But they famously flopped, failing to gain traction mainly because the product lacked a so-called killer app that would make the glasses a must-have. Reviews weren't kind, either. Users complained about short battery life, slow uploading, poor camera quality, and spotty voice recognition. Others didn't like the idea of being recorded out in public.

    10 years later, Brin said he still thinks the form factor of Google Glass was "pretty cool."

    "Unfortunately, we sort of messed up on the timing," he said, according to a Bloomberg report. "I sort of wish I timed it a bit better."

    Brin said "hands-free is the idea," and pointed to other companies' AI efforts in making wearable clips and similar devices that allow consumers to interact with AI more inconspicuously, according to the report.

    "A lot of things you want commentary on: You're cooking or doing some sport, or you want this thing to help you," Brin said, according to Bloomberg. "It's awkward to do it with your hands also holding your phone."

    Sergey isn't the only one hinting about the return of Google Glass. In an interview with CNBC on Tuesday, Google CEO Sundar Pichai teased the possible return of the device — or at least smart glasses of some sort — integrated with a Project Astra AI agent.

    "Project Astra shines when you have a form factor like glasses," Pichai told CNBC. "We are working on prototypes."

    Google's rival Meta is the leader in wearable AI devices at the moment, thanks to its unexpected hit with the Meta Ray-Bans, which start at $299. The glasses don't have any screens, but they do have cameras and speakers, allowing you to interact with Meta's AI assistant and capture photos and video, along with identifying objects or locations in front of the user.

    Hand holding a pear of Meta Ray Bans Smart Glasses
    Mark Zuckerberg holding a pair of Ray-Ban Meta Smart Glasses in 2023.

    Zuckerberg has said sales of the glasses have exceeded expectations, and the company has expanded the lineup. During Meta's first-quarter earnings call, the CEO said he thought the glasses had "the ability to be a pretty meaningful and growing platform" sooner than he expected.

    Amazon also launched its own version of smart glasses in 2019. The Alexa-enabled Echo Frames sell for about $250 and offer similar perks as AirPods, allowing users to listen to music, hear incoming notifications, and ask questions to its Alexa virtual assistant.

    Other wearable AI gadgets haven't fared as well. The $699 Humane AI Pin, which also requires an additional $24 monthly subscription, has been criticized for its limited capabilities. The company, and other AI-dedicated devices — face the challenge of convincing people that the device offers features consumers couldn't find in a smartphone.

    But as companies like Google and OpenAI show off just how impressive the next level of AI is, don't be surprised if the idea of AI glasses gains more traction.

    Do you have a Google tip? We want to hear from you. Contact the reporter from a non-work email and device at aaltchek@insider.com.

    Read the original article on Business Insider
  • I have spent entirely too much time thinking about Mark Zuckerberg’s outfit at his birthday party

    Mark Zuckerberg at his 40th birthday party
    Mark Zuckerberg in a gold chain and T-shirt at his birthday party.

    • Mark Zuckerberg had a 40th birthday party, which looked like a great time.
    • But I noticed he had a slight outfit change in his photos. I was determined to find out why.
    • Yes, I am aware there are better things I could do with my life.

    The Instagram photos from Mark Zuckerberg's 40th birthday party left me with many questions. Questions that I am prepared to investigate using my skills not just as a journalist, but as someone who has attended a lot of parties.

    Let's start with the basic facts. The family-friendly party was thrown by Zuck's wife, Priscilla Chan, and featured a bunch of miniature replicas of meaningful places in his life (his childhood bedroom, his dorm room, early Facebook offices, his first apartment, and his favorite pizza shop in Harvard Square). Cute!

    When the Meta CEO posted photos of the party on his Instagram, people immediately noticed his outfit and how he was going all-in on his new swag style with his gold chain and shirt. Now, typically, I don't like to spend too many of my precious few brain cells thinking about Mark Zuckerberg's personal appearance; it feels a little too circus and no bread. But this was different.

    Something in these Instagram photos was amiss.

    In two of the photos, he's wearing a slightly different outfit: the gold chain is missing, and his T-shirt is plain black.

    MArk Zuckerberg at his birthday party
    Zuck is missing the chain and the lettered shirt in two of the photos.

    Let's start with the shirt, which says "Carthago delenda est," Latin for "Carthage must be destroyed." (My colleague Kieran has more info on the context of the phrase.)

    Zuckerberg is known to be a Roman history fan (his daughters are named after Roman emperors). But is he such a fan of Roman history that he goes around wearing T-shirts with his favorite Latin slogans?

    He's been really into fashion lately, so perhaps the shirt is some fancy designer shirt that's low-key $200?

    Or, another option, which is my theory: He didn't choose the shirt; the shirt was gifted to him during the party.

    Looking for clues in Zuck's party outfit

    Let's examine the evidence.

    The first notable thing is that one of the miniature room sets is of the Facebook office during the 2016 "lockdown" when they were working hard to compete with Google+ (lol). During that time, Zuckerberg tried to inspire his troops by using that phrase from the Roman senator Cato — "Carthage must be destroyed." According to a book by a former employee, there were posters with that phrase around the office during that time. So we know that this phrase is very connected to one of these miniature rooms, specifically.

    Perhaps the shirt was given to him inside the miniature room that was a replica of Facebook's "lockdown" phase, as a nod specifically to that phase of his life.

    This would explain why the shirt seems ill-fitting. Note here it seems billowy and wide. Zuckerberg typically wears a more fitted t-shirt.

    Mark Zuckerberg's shirt
    Note the billowy shape on Zuckerberg's shirt.

    And here, you can see that the sleeve of the shirt seems very crisp — as if it were a shirt worn for the first time with the fold lines on it.

    We've all had the experience of showing up at some event — a fun run or company picnic or whatever — and being given a shirt with some screen-printed logo on it to wear over your regular shirt. This has all the trappings of that.

    shirt sleeve of mark zuckerberg
    The crisp fold on the sleeve edge suggests it hasn't been worn before.

    So one theory is that Zuck wore a plain black tee to his party — the one you can see in two of the photos — and then, at some point, was gifted the Carthage tee as a surprise and changed into it for the rest of the party.

    Now a quick note about the chain necklace: I believe that the explanation for the necklace is that it was also gifted to him during the party along with the Carthage shirt. The chain necklace is something of a meme after digitally altered photos of Zuck in a chain with a beard went viral.

    We get some more details about this party from Priscilla Chan's Instagram. Chan's caption says, "Mark doesn't usually let me go big for his birthday but for his 40th I was allowed to throw a bash as long as our friends and family also roasted him."

    AHA! So we know that this was also a ROAST — more fodder for the theory that the shirt and chain were gifted during the party as a form of light roasting.

    Prisicilla's outfit also gives us a clue. She's usually very stylish, but for this party, she's wearing jeans, white sneakers, a boxy white T-shirt, and two gold chains. My theory is that this wasn't just her regular casual party attire — she was dressing up in a typical Mark outfit as a joke, chain and all.

    Other attendees also seemed to wear some version of a Zuck costume. For example, Bill Gates is wearing basketball shorts and a hoodie sweatshirt.

    Joel Kaplan, Meta's head of public policy, appears in one of Chan's photos holding a mic to potentially roast Zuck. Kaplan appears to be wearing some heinous form of athletic wear, presumably a tribute to his boss's interest in MMA.

    Joel Kaplan holding a mic wearing a track suit
    Meta's head of public policy is wearing an MMA trainer outfit.

    All of this goes along with a clear theory:

    Mark showed up to his party in a plain black shirt and no chain. During the course of the party, he was gifted a chain and a "Carthage must be destroyed" shirt as joking references to his past and present.

    There are still some things this theory doesn't explain, like the fact that the T-shirt seems to have some sort of reversible blue-and-white striped lining.

    blue and white striping inside sleeve
    Zuck's sleeve seems to show a blue-and-white striped lining.

    The lining suggests the garment is a higher quality than a simple Gildan or Hanes tee — perhaps it is an expensive designer shirt after all. (A rep for Mark Zuckerberg did not respond to questions about the outfit.)

    Between the lined shirt and Bill Gates' unholy basketball shorts (I'm pretty sure they're these Nike ones, by the way), there are some mysteries that I just can't solve. But I feel confident in my assessment that Zuckberg's outfit was gifted to him as a joke during his party.

    I also am confident in my self-asseessment that I need to find much better things to fill the void in my life than thinking too hard about what Mark Zuckerberg is wearing.

    Read the original article on Business Insider
  • The Pentagon is sending 2 Navy warships to protect the floating pier to bring aid to Gaza by sea

    Two boats sail nearby a large metal platform in the sea
    Soldiers and sailors assemble the floating pier off the shore of Gaza in the Mediterranean Sea.

    • The Pentagon deployed two Navy warships to help safeguard a US-built pier to bring aid into Gaza.
    • The safety of US forces positioned off the Gaza coast remains a concern amid the Israel-Hamas war.
    • Route closures and screenings by Israeli officials hindered aid delivery to Gaza via land crossings.

    Navy warships will help protect the US military's soon-to-be-completed pier to deliver aid to starving Palestinians in Gaza, the Pentagon said Tuesday.

    Pentagon spokesman Maj. Gen. Pat Ryder told reporters at a briefing Tuesday that Navy ships will be part of the security plan for the operation. A Navy official told Military.com that the sea service is assigning two destroyers to the mission.

    The two ships will join the thousands of Israeli Defense Forces soldiers — plus Israeli navy ships and Israeli air force planes — that are dedicated to protecting the effort to move food and supplies into Gaza via the sea as Israel's crushing offensive against Hamas grinds on.

    News of the Navy security mission comes as officials in the Pentagon say that the operation to move aid is nearly ready to swing into action in the coming days. The safety of US forces positioned off the coast remains a concern amid the war in Gaza, which has killed large numbers of civilians, sparked regional violence, and led to international controversy.

    An aerial view of USNS Roy P. Benavidez carrying the floating dock sections
    An aerial view of USNS Roy P. Benavidez carrying the floating dock sections off the Gaza coast.

    Last Thursday, Ryder told reporters that the construction of the two portions of the Joint Logistics Over-the-Shore, or JLOTS, system — the floating pier and the causeway being constructed by the Army — "have been completed."

    "They are currently positioned offshore at the port of Ashdod, awaiting final movement," Ryder said.

    Officials have said that sea conditions in the Mediterranean have prevented them from taking the nearly 550-yard causeway and driving it into the beach in Gaza.

    Ryder has said that the soldiers and sailors running the operation have used the delay "to get ahead" and stage aid on the cargo ship USNS Roy P. Benavidez so that it's ready to go as soon as the floating causeway is in place.

    A senior defense official said that the first shipload of aid aboard the Benavidez will be made up of 475 pallets, or 170 tons, of food — enough to feed 11,000 adults and children for one month.

    An aerial view of Gaza shoreline and jetty
    An aerial view of Gaza shoreline, jetty, and construction on storage area where supplies will likely be offloaded.

    A senior military official who spoke with reporters in late April said that they expect the initial throughput of the effort to begin at "about 90 trucks a day … and then quickly scale up to 150 trucks a day."

    However, both military and civilian officials have repeatedly made clear that the JLOTS mission is meant only to be a supplement to the more traditional aid routes through land border crossings in Gaza. But aid has been slow to come in through those routes either due to closures or heavy screenings by Israeli officials.

    At the beginning of April, Israeli forces conducted repeated airstrikes on a World Central Kitchen convoy of aid workers, killing seven.

    After the outrage over the attack drew renewed attention to the situation in Gaza, the land crossing reopened, and the senior military official said that, in the last weeks of April, the average aid flowing in via land has been "about 220 trucks a day."

    Read the original article on Business Insider
  • ‘Big Short’ investor Michael Burry exits Amazon and Alphabet — but boosts Alibaba and bets on Baidu

    Michael Burry big short
    Michael Burry of "The Big Short" fame.

    • Michael Burry published a first-quarter portfolio update on Wednesday.
    • The Scion Asset Management chief pared down his stock positions from 25 to 16 but boosted other bets.
    • Burry is known for his bet against the mid-2000s housing bubble, chronicled in "The Big Short."

    Michael Burry ramped up his bets on a raft of stocks while slashing his holdings last quarter.

    The investor of "The Big Short" fame pared down his portfolio from 25 positions to 16 in the three months ending in March, he revealed in a quarterly portfolio update on Wednesday. The total value of his holdings rose from about $95 million to about $103 million.

    Eleven holdings survived the period, and the Scion Asset Management boss added to all of them. For example, he boosted his stake in Alibaba from 75,000 shares to 125,000, his JD.com bet from 200,000 to 360,000, and his Star Bulk Carriers wager from 250,000 to 400,000.

    Burry also added five new holdings to his collection: Baidu, BP, First Solar, Sprott Physical Gold Trust, and Cigna. He also disposed of some stocks, including Amazon, Alphabet, MGM Resorts, Toast, and Warner Bros. Discovery.

    The Scion chief is best known for his monster wager against the mid-2000s housing bubble, which was immortalized in the book and movie "The Big Short."

    He also drew attention for investing in GameStop more than a year before it became a meme stock in early 2021. The frenzy around the video games retailer reignited this week after one of its biggest proponents, investor Keith "Roaring Kitty" Gill, returned to social media after a yearslong hiatus.

    Burry's latest portfolio update didn't feature any put options. The investor has previously held the bearish options on the S&P 500 and Nasdaq indexes, Apple stock, a microchip ETF containing Nvidia, Elon Musk's Tesla, and Cathie Wood's flagship Ark fund.

    The value investor is well known for his grave warnings and grim predictions about market crashes and economic catastrophes. For instance, he sounded the alarm on the "greatest speculative bubble of all time in all things" in the summer of 2021, and cautioned that buyers of meme stocks and cryptocurrencies would be caught in the "mother of all crashes."

    Read the original article on Business Insider
  • Russian vs. Western-made tanks in the Ukraine war

    Tanks are the apex predator on Ukraine's battlefields, with modern Western tanks facing off against Soviet-designed relics. But which country has the power?

    Read the original article on Business Insider
  • CMO Insider

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    The role of chief marketing officer has never been more complex than it is today.

    Digital transformation, economic upheaval, societal change, and a fragmented media landscape are just some of the intricacies marketing leaders are confronting.

    CMO Insider presents profiles, case studies, research, and personal perspectives, to inspire and inform CMOs and their teams as they build and grow their brands.


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    Credits

    Series Editors:
    Julia Hood, Ryan Joe
    Reporters:
    Lauren Johnson, Lara O'Reilly, Michael Kaminer

    Events programming:
    Katrin Wright
    Design and Development:
    Alyssa Powell, Chay Thawaranont, Kazi Awal, Will Varner

    .gi-credits {
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    Read the original article on Business Insider
  • I tried Target’s new paid membership program. I see how some shoppers could save hundreds of dollars using it, but I thought it was a waste.

    Jamie smiles in the travel aisle at Target and leans on a red shopping cart.
    As someone who shops at the store twice a week, I was excited to try Target's new paid membership program.

    • I tried the Target Circle 360 membership, which gives me unlimited same-day delivery.
    • As a fan of both Target and grocery-delivery services, I was excited to test out the $49 membership.
    • However, I'd rather use my free Target Circle membership and Target Circle debit card to save money.

    I'm a die-hard Target enthusiast who typically shops at the store twice a week, purchasing everything from home decor to beauty products and groceries. When I'm not shopping in-store, I like to use grocery-delivery services like Instacart at least once a week.

    So when the new Target Circle 360 membership, which offers customers access to unlimited same-day delivery on orders over $35, launched in early April, I knew I had to try it out. The membership costs $99 a year, but I took advantage of a special launch offer and got the membership for $49.

    As competition heats up among grocery-delivery services, I decided to try Target Circle 360 for a month to see if it was worth the price. However, I found the membership left much to be desired.

    Target Circle 360 combines the benefits of the Circle membership and Circle card

    Three Target self-checkout machines.
    Target offers other benefits like the Target Circle membership and Circle card.

    For years, Target superfans like me have relied on Target's free membership offerings for savings and perks.

    Target Circle is the store's foundational, free-to-join rewards program that automatically applies Circle-exclusive deals to your cart when you input your phone number and scan your Target Circle barcode at checkout.

    Program members have access to Target Circle Bonuses, which include additional personalized offers separate from other Circle deals.

    Target also offers the Circle card, which is a credit or debit card that offers 5% off in-store and online purchases. Target Circle card users get free two-day shipping for most online purchases and an extra 30 days for returns.

    Target Circle 360 combines all the benefits of the Circle membership and a Circle card. So, if you already have both, the only notable additional benefit is free same-day delivery on orders of $35 or more through Shipt.

    I thought the Target Circle 360 membership left much to be desired

    Unfortunately, I haven't used the Target Circle 360 membership as often as I expected to. During my first month, I used the delivery service three times and still ended up shopping in the store twice.

    My fiancé and I typically do grocery delivery at least once a week, so I was hoping Target Circle 360 would replace my regular Instacart orders. However, I realized there are still specific grocery items — like produce and meat — that I prefer to get from places like Sprouts.

    For me, $49 is a significant amount of money to spend on something I don't need — especially since my fiancé and I are nondisabled, childfree adults who have the time and ability to do our own shopping — or at the very least pick up our items curbside for free.

    After all, Target doesn't allow for tips on curbside orders, and there's no minimum pick-up order cost. So, in addition to saving money on the membership fee, I can save a lot by not adding the recommended 20% tip or adding unnecessary items to hit a $35 delivery minimum.

    That being said, I'm fortunate that my local Target is less than two miles from my home, so curbside pickup feels almost as easy as delivery for me.

    When I did use the Target Circle 360 delivery, however, I had a great experience. I got to know my regular shopper, Paul, fairly well over text, and he was much more communicative and helpful than personal shoppers from other services I've used.

    Plus, if I requested immediate delivery, most orders were delivered to my door early or within two hours.

    Overall, the Target Circle 360 membership wasn't for me

    At the end of the day, I didn't think the Target Circle 360 membership was worth the money. I was also disappointed that there was no monthly-membership option, and Target only provided a 14-day trial. That meant I had to commit to the entire year without much time to test the membership's usefulness.

    However, I'm a firm believer that the free Target Circle membership is a must, even for casual Target shoppers. It gives me instant deals and cash back and has been one of my favorite store-rewards programs since it launched. So far this year, I've saved over $55 through the program by shopping sales and deals.

    I feel similarly about the Circle card, which offers plenty of ways to save money, including a reloadable-card option to help minimize overspending. This year, I've saved over $25 by using the debit card as my go-to payment method.

    While Target Circle 360 isn't a must-have for me, I do see the delivery service being nice for extra-busy or sick days. I could absolutely see its value for new parents, those who can't or don't want to drive, or those who live farther away from a Target store.

    Additionally, if you don't have a Target payment card, it's a nice way to get some of those perks — like no-rush returns and free two-day shipping.

    Read the original article on Business Insider