Best printers for Home

Best Mixer Grinder

Best wired Earphones

Best 43 Inch TV in India

Best Wi Fi Routers

Best Home Theatre in India

Smart Watch under 5000

Best Laptops for Education

Best Laptop for Students

<ul class="summary-list"><li>This post originally appeared in the Insider Today newsletter.</li></ul>Welcome back! A 72-year-old VC investor still runs four marathons a year. He spoke to BI about <a target="_blank" href="https://www.businessinsider.com/training-tips-for-older-runners-from-72-year-old-marathoner-2024-10">how he fits the training into his busy schedule</a> as he tries to run 100 marathons before he turns 100.In today's big story, a final look at the impact a Harris or Trump presidency <a target="_blank" rel="noopener" href="https://www.businessinsider.com/election-preview-consumer-outlook-how-trump-harris-housing-taxes-2024-11">will have on your finances</a>.What's on deck:<ul><li>Markets: A survey exclusively shared with BI shows how a slice of Wall Street <a target="_blank" href="https://www.businessinsider.com/wall-street-election-predictions-professional-investor-survey-2024-11">thinks the election will go</a>.</li><li>Tech: Nvidia is replacing Intel in the <a target="_blank" rel="noopener" href="https://www.businessinsider.com/intel-struggles-qualcomm-deal-chip-industry-turmoil-2024-9">Dow Jones Industrial Average</a>.</li><li>Business: We spoke to more than 750 people about <a target="_blank" href="https://www.businessinsider.com/cant-find-job-unemployment-applications-retirement-mba-age-competition-openings-2024-11">their struggles finding a job</a>.</li></ul>But first, let's go over it one more time.If this was forwarded to you, <a target="_blank" href="https://www.businessinsider.com/subscription/newsletter/insider-today">sign up here.</a><h3 id="7fa5f018-5b05-4a37-a8dc-d3f89138bcb3">The big story</h3><h2 id="5fd547b9-ec52-41fc-8e08-4f4b27dd8097">The White House and your wallet</h2><div type="image" title="Trump and Harris." height="1743" width="2323" msid="114952573" hostid="261" sizebytes="392138"></div>On the eve of election day, we're offering a final breakdown of how both candidates might affect your wallet.Business Insider ran a <a target="_blank" href="https://www.businessinsider.com/election-preview-consumer-outlook-how-trump-harris-housing-taxes-2024-11">five-part refresher series</a> last week examining how the policies proposed by Vice President Kamala Harris and former President Donald Trump impact US consumers.With little middle ground between the two candidates, there are a wide range of implications. Let's get into it:<a target="_blank" href="https://www.businessinsider.com/market-impact-presidential-election-scenarios-trump-harris-stocks-bonds-crypto-2024-10">Investing</a>: The corporate tax rate is the major difference between the two sides that'll likely have the biggest impact on markets. Trump's plan to reduce the rate, which stands at 21%, is viewed by most as beneficial for corporate earnings. Harris wants to raise the corporate tax rate, which would likely have the opposite effect.<a target="_blank" href="https://www.businessinsider.com/cost-expensive-goods-price-impact-presidential-election-scenarios-trump-harris-2024-10">Cost of things</a>: Both candidates are looking to keep leveraging tariffs, but Trump's policy is much more aggressive. His broad-based 10%-to-20% tariff on most imported goods will ultimately make those products more expensive, according to most economists. When it comes to grocery prices, Trump previously said he'd restrict food imports to boost local farmers. Harris wants a federal ban on price gouging, but that'd only be applicable during national emergencies.<a target="_blank" href="https://www.businessinsider.com/housing-affordability-supply-impact-presidential-election-scenarios-homebuyers-harris-trump-2024-10">Housing</a>: Harris wants to boost construction, with a goal of adding 3 million new housing units during her first term. The former president views his immigration plan — deporting millions of people from the country — as a way to address the housing shortage. Banning mortgages for immigrants living in the US illegally is another way to lower demand, according to Trump.<a target="_blank" href="https://www.businessinsider.com/tax-cut-tariff-plan-outlook-presidential-election-scenarios-harris-trump-2024-10">Taxes</a>: Trump is expected to expand on the tax cuts he established in 2017. The highest earners in the country, those in the top 0.1%, would see a tax reduction of nearly $280,000 whereas middle-income Americans would get a $1,000 break on their taxes, according to one analysis. Harris' proposals will favor lower-income earners, although she's promised to not raise taxes for anyone making below $400,000. She does support a minimum income tax for billionaires.<a target="_blank" href="https://www.businessinsider.com/childcare-costs-presidential-election-scenarios-parents-paid-leave-harris-trump-2024-10">Childcare</a>: Both candidates have discussed increasing the amount of the child tax credit, which currently provides up to $2,000 per child. Harris has also zeroed in on childcare costs, promising to cap those expenses at no more than 7% of families' income. Neither candidate has suggested funding childcare facilities or boosting hiring, which is a key issue for the industry.<h3 id="77f31a4c-8462-4e3d-a71f-838cb79493fb">News brief</h3><h2 id="1fcd294b-3f53-425f-9f20-4093e8623b59">Top headlines</h2><ul><li>Harris leads Trump by three points in a <a target="_blank" rel="noopener" href="https://www.businessinsider.com/harris-trump-iowa-polling-lead-swing-states-2024-11">new poll in GOP-leaning Iowa</a>.</li><li>TGI Friday's <a target="_blank" rel="noopener" href="https://www.businessinsider.com/tgi-fridays-files-for-bankruptcy-2024-11">filed for Chapter 11 bankruptcy</a>.</li><li>Scoop: Gwyneth Paltrow's lifestyle brand Goop <a target="_blank" href="https://www.businessinsider.com/gwyneth-paltrow-goop-lays-off-employees-pivot-beauty-food-fashion-2024-11">conducted another round of layoffs</a>.</li><li>In an all-hands, Intel CEO addresses employee concerns about <a target="_blank" rel="noopener" href="https://www.businessinsider.com/intel-chips-act-funding-all-hands-meeting-2024-11">the US election and CHIPS Act funding</a>.</li><li>WATCH: How Elon Musk is reshaping American politics. <a target="_blank" rel="noopener" href="https://www.businessinsider.com/elon-musk-reshaping-american-politics-ahead-of-2024-elections-2024-11">A conversation with Politico and BI</a>.</li><li>How a free meal cost an investor <a target="_blank" href="https://www.businessinsider.com/how-a-free-meal-cost-an-investor-his-retirement-savings-2024-10">his retirement savings</a>.</li><li>The China threat and the EV slowdown — <a target="_blank" href="https://www.businessinsider.com/auto-industry-faces-trouble-in-china-ev-slowdown-2024-11">2 takeaways from a busy few weeks in auto news</a>.</li><li>Record producer Quincy Jones has <a target="_blank" rel="noopener" href="https://www.businessinsider.com/quincy-jones-dead-obituary-2024-11">died at 91 in his home in Bel Air</a>.</li><li>The US dollar is jittery, and it's not <a target="_blank" rel="noopener" href="https://markets.businessinsider.com/news/stocks/us-dollar-presidential-election-fed-interest-rates-china-npc-stimulus-2024-11">only because of the presidential election</a>.</li><li>The Navy's top ballistic missile interceptor comes with a heavy price tag, <a target="_blank" href="https://www.businessinsider.com/us-navy-top-interceptor-missile-heavy-price-tag-low-procurement-2024-10">but the US can't afford to go to war without it</a>.</li></ul><h2 id="8120060b-ae66-48dc-b149-f0489a30ffa2">3 things in markets</h2><div type="image" title="Photo of Wall Street with American flags" height="1333" width="2000" msid="114952577" hostid="261" sizebytes="241826"></div><ol><li>These investors give the slight edge to Trump. A survey of some of SumZero's investor community, which includes small hedge funds and family offices, found 53% believe <a target="_blank" href="https://www.businessinsider.com/wall-street-election-predictions-professional-investor-survey-2024-11">Trump will win the election</a>. That follows other signals the finance world is sending that it views Trump as the favorite, including European stocks trading at a discount due to concerns over tariffs.</li><li>Interest rate cuts are back. The Fed will announce Thursday what it plans to do with rates, with <a target="_blank" href="https://www.businessinsider.com/interest-rate-cuts-federal-reserve-election-jerome-powell-inflation-jobs-2024-11">most traders expecting a 25-basis-point cut</a>. After that, there's one more chance for the Fed to cut rates in December, although JPMorgan's strategy chief said a Trump win <a target="_blank" href="https://www.businessinsider.com/trump-win-fed-pause-rate-cuts-easing-jpmorgan-david-kelly-2024-11">could give the central bank pause</a>.</li><li>Wall Street analysts are scratching their heads over Comcast's potential reorg. The company's president suggested it might spin out CNBC and MSNBC into a new firm while retaining NBC and adding a partner to its steamer. On paper the move makes sense, but analysts question how the cable networks could survive by themselves and <a target="_blank" href="https://www.businessinsider.com/comcast-cable-network-spinoff-peacock-partnership-deal-wall-street-analysis-2024-11">who would be willing to team up with Peacock</a>.</li></ol><h2 id="f4b54806-7f81-450c-ba32-92560d4fae9b">3 things in tech</h2><div type="image" title="Jensen Huang" height="3526" width="5289" msid="114952576" hostid="261" sizebytes="532426"></div><ol><li>A monumental swap. S&amp;P Dow Jones Indices announced Nvidia will replace Intel in the Dow Jones Industrial Average index, which looks to project the most relevant picture of the US economy. It shows <a target="_blank" rel="noopener" href="https://www.businessinsider.com/intel-struggles-qualcomm-deal-chip-industry-turmoil-2024-9">how far Intel has fallen from relevancy</a>, and raises questions about the future role it'll play in computing and AI. BI's Emma Cosgrove explains <a target="_blank" rel="noopener" href="https://www.businessinsider.com/why-nvidia-replacing-intel-dow-jones-industrial-average-explained-2024-11">why it's such a big deal</a>.</li><li>Everything we know about the Apple Intelligence rollout. Some of Apple's long-awaited AI features rolled out last week, including a new Siri interface and enhanced Messages. However, other features unveiled at WWDC in June won't be available until 2025. We've got <a target="_blank" href="https://www.businessinsider.com/apple-intelligence-features-rollout-timeline-iphone-16-2024-9">an estimated timeline of the rest of the releases</a>, based on what Apple experts and the company have said since WWDC.</li><li>Some Democratic political advertisers are still betting on X. Though Musk's ownership has shifted the platform's political stance, <a target="_blank" href="https://www.businessinsider.com/democratic-political-advertisers-using-elon-musk-x-twitter-2024-11">a small number of Democratic ad campaigns still see opportunity</a>. Montana Sen. Jon Tester and Texas Rep. Colin Allred are among the Democrats still hanging on tight to X.</li></ol><h2 id="9260fa45-d397-4b3c-b4f8-4bb193976216">3 things in business</h2><div type="image" title="Fish with price tags." height="3000" width="4000" msid="114952579" hostid="261" sizebytes="975922"></div><ol><li>Endless options are ruining e-commerce. The allure of online shopping was the ability to compare a variety of options from the comfort of your home. But what happens when there are literally tens of thousands of products to choose from? Information overload, choice paralysis, and <a target="_blank" href="https://www.businessinsider.com/online-shopping-ecommerce-comparison-burnout-too-many-choices-overwhelming-decision-2024-11">extremely frustrated shoppers</a>.</li><li>The great American shoplifting spree. Regular Americans are shoplifting everything from tape measures to blocks of cheese, and they don't feel particularly bad about it. Some of these opportunists view it as a way of fighting back against <a target="_blank" href="https://www.businessinsider.com/middle-class-shoplifting-retail-theft-crime-stealing-stores-2024-11">goods that are unjustly expensive</a>.</li><li>The biggest woes of finding work. BI spoke to over 750 people who have struggled to find a job, from older workers just shy of retirement to eager recent graduates. They shared what they're most frustrated with, including fake job postings, competition from AI, and the feeling of <a target="_blank" href="https://www.businessinsider.com/cant-find-job-unemployment-applications-retirement-mba-age-competition-openings-2024-11">being shut out from some careers</a>.</li></ol><h2 id="9f5d80ac-3466-429f-a50a-2ffbb70c65ff">What's happening today</h2><ul><li>Fox Corp, Goodyear, Marriott, and other companies report earnings.</li><li>Boeing's unionized workers vote on a new pay offer.</li></ul>The Insider Today team: Dan DeFrancesco, deputy editor and anchor, in New York. Jordan Parker Erb, editor, in New York. Hallam Bullock, senior editor, in London. Ella Hopkins, associate editor, in London. Amanda Yen, fellow, in New York. Milan Sehmbi, fellow, in London.

Here's a final breakdown of how both presidential candidates might affect your finances 

<ul class="summary-list"><li>If the person you're dating makes you choose between them and your business, pick your business.</li><li>Kevin O'Leary told that to a startup founder whose fiancée was threatening to leave him.</li></ul>If the person you're dating forces you to choose between your business and them, you should probably cut them loose, Kevin O'Leary says.The "Shark Tank" star was teaching a class some years ago when a college student posed that exact dilemma to him, O'Leary recalled in a clip from the "Impaulsive with Logan Paul" podcast that was recently posted on his social media.The student said he was running a software business from his dorm with $5 million in annual free cash flow. "I don't hear a problem," O'Leary quipped."That's not the problem: My fiancée came to me today and said that she's going to leave me," the student said. She was upset because he wasn't spending any time with her family and wasn't free on weekends, he explained. "I just can't because I'm so busy and I've got to keep my business going, I've got to graduate my degree. What do I do?"The rest of the class waited in rapt silence for his answer, O'Leary recalled. "Wow. OK. I'm not Dr Phil but let me give you some advice here: Which one is easier to replace — the girlfriend or the business?"The celebrity investor said the student had to ask himself that question as he was "making $5 million and every woman in this class now knows this. I'm going to guess that if you can't work this out, you're going to just do fine.""She's not the right person if she's not <a target="_blank" class="" href="https://www.businessinsider.com/dating-couple-started-business-failed-relationship-married-2024-3">supportive</a> of this journey you're on," O'Leary continued. "You're obviously going to be wildly successful, you're going to <a target="_blank" class="" href="https://www.businessinsider.com/quit-my-job-start-company-with-boyfriend-break-up-2023-12">get somebody else</a>."O'Leary said his blunt advice sparked a 45-minute debate about how people value their time and what's important to them. He argued that entrepreneurs should seek out partners who <a target="_blank" class="" href="https://www.businessinsider.com/starting-business-with-partner-strengthened-relationship-2024-6">understand and support</a> what they're doing "because that's ultimately how you're going to be personally free one day."The business guru known as "Mr Wonderful" said he would have loved to check on the student a couple of years later. "I bet you he's making a fortune, and I'm sure he's got plenty of options."O'Leary told a similar version of the tale in an interview clip he shared in June on LinkedIn. In this telling, the student said he worked every weekend and through the night so he had no time for his fiancée, and she had given him an <a target="_blank" class="" href="https://www.businessinsider.com/ultimatums-in-relationships-dont-work-experts-explain-why-2023-8">ultimatum</a>: choose her or his business."Listen, let's be pragmatic about this," O'Leary replied. "Which is easier to replace? Your business, or your fiancée?"The Canadian multimillionaire has doled out plenty of memorable advice over the years. He's <a target="_blank" class="" href="https://www.businessinsider.com/shark-tank-kevin-oleary-personal-finance-couples-combine-accounts-wealth-2024-9">warned</a> couples not to combine their finances, <a target="_blank" class="" href="https://www.businessinsider.com/shark-tank-kevin-oleary-family-business-loans-relatives-debt-personalfinance-2024-9">cautioned</a> against lending money to family, <a target="_blank" class="" href="https://www.businessinsider.com/shark-tank-kevin-oleary-marriage-family-children-kids-wealth-advice-2024-9">urged</a> people not to wait too long before getting married and having kids, and <a target="_blank" class="" href="https://www.businessinsider.com/kevin-oleary-shark-tank-investing-lessons-mother-chanel-personal-finance-2024-9">recommended</a> buying fewer but higher-quality products with greater resale value.

'Shark Tank' star Kevin O'Leary once told a student to choose his business over his fiancée as she was 'easier to replace'

The unsung warriors of 'The Price Is Right'

<ul class="summary-list"><li>Celebrities are getting into the soda industry and launching their own beverages.</li><li><a target="_blank" class="" href="https://www.businessinsider.com/gen-z-loves-expensive-groceries-snacks-erewhon-whole-foods-2024-10">Healthy soda options</a> are in demand, with brands like La Croix seeing record sales.</li></ul>From <a target="_blank" class="" href="https://www.businessinsider.com/michelle-obama-background-kamala-harris-campaign-2024-10">former first lady Michelle Obama</a> to supermodel Bella Hadid, celebrities are piling into the soda business.The stage has been set for beverages to become the next big thing for famous people to sell for a while now, experts told Business Insider.While Coca-Cola and Pepsi still dominate the soft drinks market, smaller brands have seen a big rise in popularity over the last four years in the US, according to data collected by Citi from marketing research firm NielsenIQ.One major driving force behind the growth in the sector: a push into healthier beverages. Sodas have become associated with <a target="_blank" class="" href="https://www.businessinsider.com/aspartame-is-a-possible-carcinogen-but-still-safe-to-ingest-2023-7">unhealthy choices</a>, Emily Contois, a researcher of food and media at Tulsa University, told BI. As the wellness industry boomed, Contois said alternatives have emerged to fill the void for health-conscious consumers."This idea about sodas as indulgent and fun is also colliding with these newer ideas where sodas are configured as healthy," she said.Poppi and Olipop, two of the most popular prebiotic soda brands, have exploded in popularity since 2020. Olipop's annual sales were around $3.7 million in 2020; 2024 sales have already topped $325 million as of October 5. Poppi has had a similar trajectory. It's grown from less than $1 million in sales for 2020 to nearly $260 million in 2024. Both have grown their market share in the US.While some brands have partnered with influencers to push their "healthy" sodas, celebrities are using their star power to launch new beverages.Filippo Falorni, an equity research director at Citi, compares the celebrity-owned beverage industry's trajectory to that of the beauty industry — which took off in the 2010s when<a target="_blank" class="" href="https://www.businessinsider.com/manny-mua-youtube-instagram-drama-popularity-controvery-dramageddon-beauty-youtubers-2021-9"> beauty gurus dominated YouTube</a>. Just as social media helped celebrity makeup lines sell, Falorni said their drink brands have the same potential."The influence of social media on consumption behavior obviously has been up dramatically over the last five, 10 years," Falorni said.Celebrities with millions of fans already have a head start when it comes to selling. Actor Blake Lively, who has 45.6 million followers on Instagram, promotes her Betty Buzz brand on the platform. Singer Katy Perry (205 million Instagram followers) launched De Soi, a line of sparkling drinks made with adaptogens from mushrooms, in 2022.PLEZi Nutrition, a company cofounded by Obama in 2023, launched its soda alternative, PLEZi Fizz, in March. The drink is aimed at kids; Obama had previously said, "We know how much concern parents and pediatricians have about sugary drinks." PLEZi Fizz has 70% less sugar than the leading carbonated soft drinks, according to its website.Contois also said that beverage brands are a convincing way to sell consumers a lifestyle. When it comes to celebrity beauty and wellness brands, Contois said people usually hope there's a "magical elixir" that will elevate their own life.It could be a <a target="_blank" class="" href="https://www.businessinsider.com/bella-hadid-kin-euphorics-adaptogen-benefits-side-effects-2021-9">Kin Euphorics</a> drink to look more like Hadid or a PLEZi Fizz to feel more like an Obama — sharing a favorite drink with a public figure brings a brief sense of closeness, Contois said.Still, Citi's Falorni said distribution giants like Coca-Cola and PepsiCo don't have to worry about healthy seltzers stealing away business because soda sellers who make it big will eventually need them to help with distribution.Famous booze-free beverage founders could also follow the well-trodden path of celebs creating alcoholic drink brands and then selling them for a lot of cash. Diageo acquired actor <a target="_blank" class="" href="https://www.businessinsider.com/george-clooney-tequila-brand-casamigos-started-by-accident-2017-6">George Clooney's Casamigos</a> tequila for about $1 billion in 2017, and the same alcohol company bought <a target="_blank" class="" href="https://www.businessinsider.com/ryan-reynolds-apologizes-george-clooney-email-sells-aviation-gin-610-million-2020-8">Ryan Reynolds' gin brand</a> in 2020 for $610 million.A-listers may feel more comfortable promoting sodas as guilt-free indulgences on their massive platforms compared to alcohol. The relatively low price points — a four-pack of Betty Buzz is less than $10 — also mean consumers can share a celebrity's taste for a few dollars."It's an aspirational investment that people are willing to make," Contois said.

From Michelle Obama to Bella Hadid, celebrities are piling into the soda business 

You Searched For "Five Star Business Finance share price" and got 4 results

Here's a final breakdown of how both presidential candidates might affect your finances

Dan DeFrancesco

'Shark Tank' star Kevin O'Leary once told a student to choose his business over his fiancée as she was 'easier to replace'

Theron Mohamed

The unsung warriors of 'The Price Is Right'

David Kushner

From Michelle Obama to Bella Hadid, celebrities are piling into the soda business

Jordan Hart

Popular Keywords

Buying Guides