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<ul><li>Dream11 founder Harsh Jain shared his plight with finding investors in the first few years of his startup that is now a unicorn.</li><li>At the TiE Global Summit 2019, Jain said that the first 150 investors refused to invest in Dream11 but he learnt a lot from those rejections.</li><li>It raised $110 million from Tencent. It turned unicorn (startup with a valuation of over $1 billion) in November 2019 </li><li>Its popularity skyrocketed after IPL and ICC signed them as the official partner.</li></ul>In 2009, Harsh Jain and Bhavit Sheth were living a fantasy. Those were times when iPhones were just becoming popular and smartphones are not all-pervading like they are –right now. Even for those who owned such phones, 2G powered data did not come cheap. Yet, the Founders of Dream11 were trying to raise money for a fantasy cricket game shaped after EPL, after IPL was launched a year back. “We had 150 people say ‘No’ before we got to our first funding. Perseverance is what it takes. Every single no came with a why, it taught me something about our business and how to grow,” Jain said at the TiE Global Summit (TGS). In a session chaired by Business Insider at the Summit — an annual event which showcased India's vibrant startup ecosystem — Jain shared the journey of his startup that introduced '<keyword id="6370198" type="UNKNOWN" weightage="20" keywordseo="fantasy-gaming">fantasy gaming</keyword>' as a business to India. The Indus Entrepreneurs (TiE) is a global not-for-profit organisation founded in 1992 by a bunch of Silicon Valley entrepreneurs who had roots in the subcontinent. TiE helps startups with mentoring, networking, education, funding, and incubation. Dream11 founder Harsh Jain was a headliner at this year's edition of the TGS. The Dream journey Within nine years, Dream11 raised $110 million from Tencent. It turned unicorn (startup with a valuation of over $1 billion) in November 2019 after a secondary investment from Steadview Capital, an Asia-focused alternative asset manager. Its popularity skyrocketed first after IPL and ICC both signed them on as the official partner. It now has 75 million users on its platform and has a robust model to go with - as it earns 15-20% of a gamer’s winnings. Jain believes that there is a lot of potential ahead for fantasy gaming. “India is a large market to address where 700 million people expected to use sports online in India in the next few years,” he said. Other than providing a platform for gaming, Jain believes that their offering provides with something more--- a way to overcome tediousness. “Indians are bored that's why they keep looking at their phones. Suddenly because of Jio everyone has data and access, we need to engage them and provide entertainment. The reason why Dream11 is popular because we give that on something they love – sports,” he said. SEE ALSO: <a href="https://www.businessinsider.in/business/startups/news/dream11-will-sell-sports-merchandise-and-game-tickets-on-fancode/articleshow/72066243.cms" data-type="tilCustomLink" target="_blank">Dream11-backed Fancode will sell sports merchandise and game tickets</a>

‘I heard 150 noes before first funding’- reveals one of India's newest unicorns Dream11

<ul class="summary-list"><li>Nvidia has been a cash cow for investors lucky enough to have bought in before the AI-fueled rally.</li><li>Shares of the company have gained 1,500% since 2019 as its GPUs power the AI revolution.</li></ul>The dizzying rise of Nvidia stock in recent years has produced extraordinary gains for many retail investors, especially those who got in before the chipmaker became an artificial-intelligence superpower.The stock's steep climb — up over 1,500% since 2019 — has transformed the lives of some of Nvidia's long-term retail investors, resulting in comfier retirements, new cars, and gains worth millions for some. Business Insider reviewed brokerage and account statements to verify the gains and account balances of the investors it spoke with, some of whom asked to be identified by their first names only to protect their privacy. Tom, a 48-year-old retail investor in New Jersey, first bought Nvidia in 2011, when the stock was valued at just about $5 a share. He put in $12,000 at the time and then another $50,000 in 2022. His total stake is now worth $3 million. His fortune, which remains mostly invested and untouched, was a matter of research and good timing, he said."They were the original creators of the GPUs," he said. "I'm not even much of a techie. I'm not a computer person at all, but I knew that the GPUs would be worth something one day."Nvidia went from a gaming icon to an AI superpower seemingly overnight. In the early days of the pandemic, its stock climbed as gamers, with time on their hands under COVID-19 lockdowns, scrambled to upgrade their computer rigs with the latest Nvidia GPUs.Then, in November 2022, the debut of OpenAI's ChatGPT fueled a run of stunning growth for Nvidia as its GPUs were the only game in town when it came to powering such AI programs. The stock has essentially gone parabolic since. According to Vanda Research, Nvidia has become the top stock among retail investors, surpassing retail portfolio concentrations of Apple, Tesla, and SPY, the most popular S&amp;P 500 exchange-traded fund. Tom said his Nvidia stake was worth about three times what he had in his 401(k) and that he felt more comfortable that he'd be able to live well in retirement, a concern that loomed over him before he went in on Nvidia.<h2>Generational wealth</h2>Kiana Danial is the 40-year-old founder of Invest Diva, a company that helps women take control of their financial future and create generational wealth.Danial hadn't heard of Nvidia before 2015, when she married her husband, who was a gamer in his free time. Danial said she liked to invest in products she uses, but when she heard her husband talk about how much he loved Nvidia, she decided to buy the stock.She first bought Nvidia in June 2016. She purchased 10 shares and shortly after continued setting new buy orders every month. "The investments started growing pretty rapidly," Danial said.Nvidia shares tumbled by more than 30% in 2018. During that time, Danial continued adding to her positions and started adding Nvidia to her Roth IRA and a Roth IRA she set up for her daughter. Danial sold the bulk of her shares in February and March 2023 to help partially cover a large down payment on a second home. <div type="image" title="Pool at Kiana Danial's house" height="1024" width="2465" msid="109541559" hostid="261"></div>Danial sold 800 shares over a six-week period for about $188,795, bringing her total number of shares down to 323. "I'm obviously kicking myself," Danial said about selling the stock. "But we bought our dream house and it's beautiful."The stock she still owns has left her with $202,940 in gains. She doesn't plan on selling her shares anytime soon and intends to buy more.Danial's daughter recently turned 6, and the account Danial set up for her has grown 568% and is worth around $11,000.The investors Business Insider spoke with piled into Nvidia early on because of its renown among PC gamers, but today, the company's chips are the lynchpin of the AI revolution — and there is virtually zero competition.The company's dominance has made it hard to find anyone willing to give the bear case, though <a href="https://markets.businessinsider.com/news/stocks/nvidia-stock-price-prediction-artificial-intelligence-gpu-earnings-forecast-rally-2024-4">some analysts have recently sounded more hesitant</a> about further gains after the stock's meteoric rally. <h2>New financial security </h2>Rick, a 36-year-old retail investor in Texas, started buying Nvidia in 2009. The stock caught his eye because, at the time, the company seemed like the future of gaming. He invested $600, which he described as a wild-card bet. "And so $600 turned into $140K," Rick said. With Nvidia, Rick said he felt he had a safety net to fall back on. He's spent only a small portion of his gains so far: $15,000 to flip a car he worked on, a hobby he said he wouldn't have gotten into without the Nvidia money. For his 10th anniversary, he and his wife packed their bags for a $14,000 getaway in Costa Rica."I had zero stress about it. It was like, 'We can spend as much as we want on this trip,'" he said.That sense of security that such a windfall provides was the top theme among the Nvidia investors BI connected with. It's a similar story for Chris Downs, a 66-year-old who lives in rural Missouri and retired from his job as a math teacher three years ago.He's been investing for a while, but his interest in Nvidia began when he bought a new computer for video editing at the start of the COVID-19 quarantines. Downs said he splurged on an Nvidia graphics card for his setup and was impressed. He bought 112 shares in March 2020 for $79 each. In July 2023, he sold 28 shares of Nvidia at $436 apiece to offset losses from other investments. Now he has 84 shares left, worth over $65,000 based on Monday's prices, in addition to other stocks. He said he would probably sell some of his Nvidia shares closer to the election, but he's planning to invest the proceeds for his four children, as his parents and grandparents had done for their kids.Downs said his lifestyle wasn't lavish but that he tried to travel every month. Places he's been to include Bolivia, Paris, and Mexico City, and he plans to go to Spain at the end of April.He said security was the biggest perk of his investment, as well as knowing that he could cover unpredictable financial mishaps. "It's nice in retirement not to have to worry," Downs said.

They bought Nvidia stock before the hype. It's paid for cars, vacations, and a deposit on a dream home.

<ul><li>Wall Street's vision of a Goldilocks scenario for the stock market and economy is unraveling.</li><li>The Fed's "higher for longer" mantra has dashed hopes that a recession is avoidable.</li><li>The US economy is feeling the lagging effects of tight monetary policy as risk factors converge.</li></ul>Wall Street's dream of a Goldilocks scenario for the stock market and economy is probably dead. At best, it's severely wounded. And all it took was a single press conference in September from Fed Chair Jerome Powell to dash hopes that had been building on Wall Street all year. <h3>What happened?</h3>Interest rates soared. That's what happened.It's already been tough for investors to watch the <a href="https://markets.businessinsider.com/rates/U-S--Rates-10-Years" target="_blank" rel="noopener">10-year US Treasury yield</a> surge from 1.1% in January 2021 to 4.84% today — but the key bond yield has now spiked a full percentage point over the past 10 weeks alone. That's a huge move, and the relentless drive higher in interest rates has been sparked by Powell's insistence that another rate hike is likely necessary to quell inflation. Powell spoke and investors finally listened. The Fed signaled that it expects to keep its benchmark Fed Funds rate above 5% well into 2024, running counter to the investors' previous expectation of interest rate cuts as early as the first quarter of next year. The reaction in the stock and bond markets has been swift and violent. The 10-Year US Treasury yield surged to 4.84%, while the S&amp;P 500 extended its drawdown from the end of July to nearly 10%. With interest rates exceeding levels not seen since 2007, investors and consumers are growing more concerned that <a href="https://www.businessinsider.com/recession-outlook-economy-fed-soft-landing-central-bank-linkedin-economist-2023-10">something in the economy is about to break.</a><h3>What changed?</h3>After shrugging off rate hikes and threats of higher for longer for most of this year, the market decided that the September policy meeting was the inflection point and began to take the Fed at its word: higher rates are here to stay. Buckle up. Investors are growing increasingly concerned that the Fed's persistently hawkish monetary policy, even after inflation dropped from its 9% peak in June 2022 to 3% in July, is bound to break something in the economy.<div type="image" title="Inflation" height="744" width="1134" msid="104242768" hostid="261" sizebytes="20156"></div>We already got a taste of that when interest rates soared earlier this year, sparking massive bond losses at regional banks that led to <a href="https://www.businessinsider.com/silicon-valley-bank-failure-what-happened-bank-run-explained-2023-3">the implosion of Silicon Valley Bank.</a> At that time, the 10-year US Treasury yield was below 4%. Today, it's closer to 5%.So what's next to break? Bond portfolios, potentially. Investors and banks are sitting on massive losses on their bond holdings that rival a full blown stock market crash, with <a href="https://markets.businessinsider.com/news/bonds/treasury-bond-yields-market-selloff-market-crashes-dot-com-bubble-2023-10">bonds with maturities of 10 years or more down a whopping 46%,</a> on par with the dot-com bubble burst in 2000. The consumer, meanwhile, is getting <a href="https://www.businessinsider.com/recession-outlook-economy-consumer-spending-down-breaking-2023-9" target="_blank" rel="noopener">pushed to the limit</a>.Credit card debt <a href="https://www.businessinsider.com/consumer-credit-card-debt-tops-1-trillion-first-time-ever-2023-8">has surged above $1 trillion,</a> delinquency rates for auto loans and credit card loans <a href="https://www.businessinsider.com/credit-card-debt-recession-warning-us-economy-outlook-wells-fargo-2023-8">are on the rise,</a> student loan payments are resuming this month for the first time in three years, and near 8% mortgage rates have made the prospect of buying a home prohibitively expensive for millennials. "Consumers are becoming more conservative with their spending as they continue to face a trifecta of headwinds including elevated inflation, higher interest rates and slowing labor market and income gains. The restart of student loan payments on Oct. 1, the near depletion of excess savings, and tight credit conditions will further weigh on consumers' ability to spend going into next year," EY's chief economist Greg Daco <a href="https://www.businessinsider.com/recession-outlook-inflation-labor-market-interest-rates-consumers-economic-headwinds-2023-9">said last month. </a>Something's got to give, and it all goes back to the Fed.<h3>Goodbye, soft landing? </h3>Company CEOs, economists, and investment strategists <a href="https://www.businessinsider.com/what-are-ceos-saying-recession-2023-economy-layoffs-hiring-freezes-2022-10">have been warning since 2022 that a recession</a> hitting the US economy is a question of when, not if. And then <a href="https://www.businessinsider.com/thank-the-american-retail-consumer-for-the-soft-landing-2023-7">consumers surprised everybody.</a> As painful as inflation and higher interest rates were, the economy remained resilient as consumers held onto their jobs and kept swiping their credit cards. The latest jobs report shows employers added a stunning 336,000 jobs in September alone. Productivity gains from artificial intelligence, decelerating inflation, falling oil prices, and a weakening US dollar meant that calls for a soft landing grew <a href="https://www.businessinsider.com/janet-yellen-feeling-good-us-soft-landing-economy-krugman-summers-2023-9">louder</a> <a href="https://www.businessinsider.com/taylor-swift-eras-tour-helped-us-economy-2023-9">and louder</a>, helping the S&amp;P 500 surge as much as 32% from its bear market low. But in just a few short weeks, it appears that the Fed has wiped out Wall Street's mirage of a soft landing with just three words: higher for longer. And there's real reason to be concerned that the economy is in a more fragile state than any single data point may suggest, and it really all goes back to this rapid rise in interest rates, which is throttling consumers and businesses alike. "We have a crisis emerging. If you're [a company] in the <a href="https://markets.businessinsider.com/index/s&amp;p_500" rel="">S&amp;P 500</a>, you have no trouble financing your business. You can't say that about small business anymore. The cost of capital has gone through the roof," Shark Tank's Kevin O'Leary <a href="https://www.businessinsider.com/bankruptcy-economy-recession-federal-reserve-war-on-inflation-interest-rates-2023-9">said last month.</a> The surging cost of capital is why <a href="https://markets.businessinsider.com/news/bonds/fed-rate-hikes-bankruptcies-zombie-companies-wall-street-investors-earnings-2023-9">bankruptcies in America are starting to pile up.</a>This week, <a href="https://www.businessinsider.com/us-economy-recession-prediction-model-2023-10">Bloomberg economists said</a> that a recession was likely to strike as early as the last months of this year and it could be officially called in the early days of 2024. <h3>What happens next?</h3>The path for the economy to stick a soft landing has narrowed. For the Goldilocks scenario to emerge, the Fed needs to look in the mirror and acknowledge all of the progress it has made taming inflation over the past two years, even as the jobs market remains strong.It has to acknowledge that interest rates are now sufficiently restrictive, and decide that it's next monetary policy move isn't an interest rate hike, but rather a pause, and then a cut. "There should be no question now that the Fed should be done. I mean, we've had almost 50 basis points of tightening on the long end since the last meeting," Wharton professor Jeremy Siegel told CNBC on Thursday, adding that uncertainties surrounding labor strikes and a potential government shutdown should push the Fed to stop hiking rates.Some Fed members are beginning to acknowledge this, with <a href="https://www.youtube.com/watch?v=AdKo7cPrsVY" target="_blank" rel="noopener">recent comments</a> from Fed Presidents Mary Daly and Raphael Bostic suggesting that the recent surge in interest rates is doing the Fed's job in tightening financial conditions.The future of stocks will continue to be defined by how rigorously the Fed sticks to its higher-for-longer plan, and when it starts to signal that rate cuts could be coming. Investors could be in for a lengthy wait, and the mega-cap tech corporations fueling so much of the market's prosperity will keep feeling the pressure of high rates on their future earnings. It's a potential recipe for disaster for a market already tenuously dependent on such a small group of names.If inflation continues to fall — which seems likely <a href="https://markets.businessinsider.com/news/stocks/jeremy-siegel-fed-inflation-rate-hike-outlook-recession-risk-tightening-2023-1">as lagging shelter prices used in the Fed's inflation calculation start to reflect</a> that rents have been dropping over the past year, and if the unemployment rate stays at historically low levels — then it's mission accomplished for the Fed.But if the Fed continues to push the brakes too hard on the economy, moving forward with more interest rate hikes, then investors can say goodbye to a soft landing scenario and <a href="https://www.businessinsider.com/recession-outlook-economy-fed-soft-landing-central-bank-linkedin-economist-2023-10">hello to a recession.</a>

Wall Street's dream scenario is dead

<ul class="summary-list"><li>This post originally appeared in the Insider Today newsletter.</li></ul>Hello! Major news yesterday: California Senator <a href="https://www.businessinsider.com/dianne-feinstein-dead-california-senator-aged-90-2023-9">Dianne Feinstein</a> died at age 90. Our politics team broke down <a href="https://www.businessinsider.com/dianne-feinstein-is-dead-what-happens-next-democrats-2023-9">what happens next for Congress</a>.As for today's edition, we're focusing on work — namely, negotiation. Did you know that everything about your work situation is negotiable, by the way? That's our big story.What's on deck: <ul><li>Travel: Carry-on items you surprisingly <a href="https://www.insider.com/surprising-carry-on-items-arent-allowed-tsa-airport-security-2023-9">can't bring through security</a>.</li><li>Careers:The <a href="https://www.businessinsider.com/best-time-to-quit-get-higher-paying-job-after-promotion-2023-9">promotion-to-new-job</a> pipeline.</li><li>Life: Sporting events, subscriptions, and other <a href="https://www.insider.com/wedding-registry-recommendations-modern-couples-therapist-picks-2023-9">modern items</a> for the outdated wedding registry.</li></ul>But first, negotiate, negotiate, negotiate.If this was forwarded to you, <a href="https://www.businessinsider.com/subscription/newsletter/insider-today">sign up here.</a><h2>The big story</h2>Negotiate anything anytime<a href="https://www.businessinsider.com/subscription/newsletter/insider-today"></a><div type="image" title="155369212 Miniature business people on stacks of coins job negotiation salary money" height="2432" width="3242" msid="104069107" hostid="261" sizebytes="209062"></div>Salary negotiation mistakes are pretty common.Nearly half of workers admit to making a salary negotiation mistake, according to data from talent and consulting firm Robert Half. One of the top-cited regrets was placing too much emphasis on pay versus the entire compensation package."Think about what really has monetary value to you," Scott Dobroski, a vice president at Indeed, told me. "Believe it or not, if you're going in the office — or maybe you're a salesperson — this could be dry cleaning or laundry services."He added that "compensation" is the key term since it's more all-encompassing.Beyond base salary, bonuses, and stock options, anything important to you is on the table in negotiations: gym memberships, professional development funds, ergonomic chairs, and even healthcare benefits.Looking at what benefits competitors offer their employees is another way to prepare for a negotiation. Doing as much research as possible makes your position stronger, while data presents your argument as fact instead of fiction."Knowledge is negotiation," Jenna Alexander, the co-creator and leader of Randstad's global Talent Centre of Excellence team, told me.She added: "Whenever it comes to negotiating your future, you're at risk of potentially being emotional about it — it's a natural state of mind. But if you've got your facts behind you, you've got a steel rod for a backbone."<div type="image" title="negotiate" height="589" width="785" msid="104069108" hostid="261" sizebytes="25888"></div>Negotiations aren't just for when you join a company.If you're performing well in your role, that offers you "career currency" to leverage in negotiations, Dobroski said."It's pointing back to the skills, experiences and the wins — the contributions you've made at your current company to show why your value has actually increased — and therefore that's why you're asking for more compensation," Dobroski told me. Dobroski also urged caution over a controversial negotiating tactic: Leveraging a job offer against your current gig if you're not serious about taking the new role."We do not recommend using it as just a ploy to get more money with your current employer," Dobroski told me. "What could happen unintentionally is it backfires if you don't have any intentions of joining the other company."It's also important to communicate what you want every step of the way."If you want to be in the office four days a week, then say that in your first interview, say it in your second interview and your third so that there's no surprises when it comes to you getting that offer," Alexander told me.This communication can be for anything, including things that might be keeping you at your current role. If you're set to receive a bonus in three months, for example, you could communicate that and then ask for a signing bonus of an equal or greater value."You are not trying to play a negotiating game for the sake of it," Alexander said.For more of our careers coverage:<ul><li><a href="https://newsletter.businessinsider.com/click/65168121c48de5ca060cb40a/aHR0cHM6Ly93d3cuYnVzaW5lc3NpbnNpZGVyLmNvbS93b3JrLXBob25lLWNhbGwtZXRpcXVldHRlLWV4cGVydC1zZW5kLXdhcm5pbmctdGV4dC1maXJzdC0yMDIzLTk_dXRtX21lZGl1bT1uZXdzbGV0dGVyJnV0bV9zb3VyY2U9U2FpbHRocnUmdXRtX2NhbXBhaWduPUluc2lkZXJfVG9kYXk/618961654ff0586e1b3b88e1B99dc0b8d" target="_blank" rel="noopener">Etiquette experts share how to navigate phone calls at work.</a></li><li><a href="https://newsletter.businessinsider.com/click/65168121c48de5ca060cb40a/aHR0cHM6Ly93d3cuYnVzaW5lc3NpbnNpZGVyLmNvbS9qb2ItaG9wcGluZy1kb3duc2lkZXMtc3RheS1hdC1jb21wYW55LWxvbmdlci1iZW5lZml0cy1ncm93dGgtcGF0aWVuY2UtMjAyMy05P3V0bV9tZWRpdW09bmV3c2xldHRlciZ1dG1fc291cmNlPVNhaWx0aHJ1JnV0bV9jYW1wYWlnbj1JbnNpZGVyX1RvZGF5/618961654ff0586e1b3b88e1Bbe9a5646" target="_blank" rel="noopener">This AT&amp;T employee has worked there for 50 years.</a></li><li><a href="https://newsletter.businessinsider.com/click/65168121c48de5ca060cb40a/aHR0cHM6Ly93d3cuYnVzaW5lc3NpbnNpZGVyLmNvbS90aGUtYmlnZ2VzdC1hbmQtbW9zdC1wb3dlcmZ1bC13b3JrZXItc3RyaWtlcy1vZi1hbGwtdGltZS0yMDE5LTk_dXRtX21lZGl1bT1uZXdzbGV0dGVyJnV0bV9zb3VyY2U9U2FpbHRocnUmdXRtX2NhbXBhaWduPUluc2lkZXJfVG9kYXk/618961654ff0586e1b3b88e1B0c030ac4" target="_blank" rel="noopener">These are the most impactful strikes in history — for better or for worse.</a></li></ul><h2>3 things in travel</h2><a href="https://www.insider.com/vintage-travel-photos-from-100-years-ago-1920s"></a><div type="image" title="cruise ship 1920s" height="2186" width="2915" msid="104069109" hostid="261" sizebytes="291608"></div><ol><li>Photos show what traveling was like 100 years ago. In the 1920s, airports looked more like garages. And instead of having plane windows, you'd just have an open hole. Plus, people <a href="https://www.insider.com/vintage-travel-photos-from-100-years-ago-1920s">dressed up a lot more</a> to go in the air.</li><li>Believe it or not, you can't pack these 11 items as a carry-on. Snow globes and British Christmas crackers surprisingly won't make it through airport security. Foam swords also <a href="https://www.insider.com/surprising-carry-on-items-arent-allowed-tsa-airport-security-2023-9">don't make the cut</a>, but lightsabers are allowed.</li><li>Six exciting EVs that are coming out soon. A new batch of EVs is <a href="https://www.businessinsider.com/coolest-electric-cars-ev-tesla-cybertruck-chevy-bmw-kia-ev9-2023-8">scheduled to hit the roads</a> before 2024 begins, including a three-row Kia SUV, a high-end BMW sedan, and a Chevrolet for less than $30,000.</li></ol><h2>3 things in careers</h2><a href="https://www.businessinsider.com/best-time-to-quit-get-higher-paying-job-after-promotion-2023-9"></a><div type="image" title="Job Seekers seeking Employment line up" height="1996" width="2661" msid="104069110" hostid="261" sizebytes="452736"></div><ol><li>The best time to quit for a higher-paying job could be right after getting promoted. The higher role makes people more attractive to other employers. And new data found that 29% of workers <a href="https://www.businessinsider.com/best-time-to-quit-get-higher-paying-job-after-promotion-2023-9">quit within a month</a> of their first promotion.</li><li>Hey, CEOs: Stop dating your employees and trying to cover it up. McDonalds, CNN, BP, and other major companies have all faced the same, <a href="https://www.businessinsider.com/ceo-dating-employees-boss-relationship-2023-9">dated C-suite issue</a>. Workplace relationships can be problematic, especially since a power imbalance can blur the lines of consent.</li><li>Entering the workforce after high school instead of going to college. This 20-year-old started an <a href="https://www.businessinsider.com/why-i-didnt-go-college-university-apprenticeship-no-debt-2023-9">apprenticeship right after graduating</a>. He's debt-free, already earning money, and has a guaranteed job lined up.</li></ol><h2>3 things in life</h2><a href="https://www.businessinsider.com/full-moon-names-meaning-origin-lunar-calendar-2023"></a><div type="image" title="An orange-looking full moon rises behind the eiffel tower" height="1419" width="1893" msid="104069111" hostid="261" sizebytes="39984"></div><ol><li>Every full moon has a different name. Here's why. For millennia, <a href="https://www.businessinsider.com/full-moon-names-meaning-origin-lunar-calendar-2023">the lunar calendar</a> was how people tracked time. September is called the harvest moon, corn moon, and barley moon. While March is called the worm moon, sap moon, and crow moon.</li><li>The rise and fall of Champion. It used to be one of the hottest athletic brands, with NBA athletes like Michael Jordan and hip-hop legends like 50 Cent wearing it. But now Champion's sales are falling behind, and its parent company might sell it. Here's <a href="https://www.businessinsider.com/champion-brand-clothing-history-logo-popularity-2023-9">how it got to this place</a>.</li><li>It's time to rethink the wedding registry. Items like china and bedding can feel a bit outdated. Instead, couples could ask for things like helpful subscriptions, sports game tickets, and other <a href="https://www.insider.com/wedding-registry-recommendations-modern-couples-therapist-picks-2023-9">modern registry requests</a>.</li></ol><h2>In other news</h2><a href="https://www.insider.com/whats-being-delulu-is-the-solulu-tiktok-therapist-2023-9"></a><div type="image" title="A woman floats above a grass pasture while laying horizontal, her eyes closed." height="1328" width="1770" msid="104069113" hostid="261" sizebytes="734596"></div><ul><li>Here's when being "delulu" can <a href="https://www.insider.com/whats-being-delulu-is-the-solulu-tiktok-therapist-2023-9">help or harm you</a>.</li><li>"I exercised before work every day for a week — here were <a href="https://www.insider.com/biggest-mistakes-exercising-before-work-every-day-2023-9">the four biggest mistakes</a> I made."</li><li>Scientists and longevity investors alike say they take Vitamin D for <a href="https://www.insider.com/vitamin-d-and-longevity-anti-aging-2023-9">healthy aging</a>.</li><li>The eight things <a href="https://www.insider.com/homegoods-best-things-to-buy-interior-designer-says-photos">an interior designer always buys</a> from HomeGoods.</li><li>Airplanes almost collide all the time — here's <a href="https://www.businessinsider.com/why-you-should-not-be-afraid-of-close-call-collisions-2023-9">why you shouldn't worry</a>.</li><li>Rerouting: Delta CEO admits the company went too far with <a href="https://www.businessinsider.com/delta-skymiles-changes-ed-bastian-rotary-club-medallion-status-flights-2023-9">changes to its SkyMiles program</a>.</li></ul><h2>For your bookmarks</h2>Trader Joe's birria<a href="https://www.insider.com/trader-joes-birria-quick-easy-mexican-dinner-2023-9"></a><div type="image" title="Beef birria and other ingredients." height="2268" width="3024" msid="104069114" hostid="261" sizebytes="627456"></div>The Trader Joe's birria is the best 10-minute Mexican dinner for fall. It's surprisingly authentic and <a href="https://www.insider.com/trader-joes-birria-quick-easy-mexican-dinner-2023-9">normally takes hours to make</a> from scratch.The Insider Today Saturday team: <a href="https://www.businessinsider.com/author/diamond-naga-siu">Diamond Naga Siu</a>, senior reporter, in San Diego. <a href="https://www.businessinsider.com/author/dan-defrancesco">Dan DeFrancesco</a>, senior editor, in New York City. <a href="https://www.businessinsider.com/author/hallam-bullock">Hallam Bullock</a>, editor, in London. <a href="https://www.businessinsider.com/author/lisa-ryan">Lisa Ryan</a>, executive editor, in New York City.

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