Emily Stewart
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Articles by Emily Stewart
Everybody hates their HOA — especially the people who run them
HOA president was not on the list of titles Lana Martin ever planned to hold, but it's one that's befallen her. Martin bought a townhouse in a 13-unit complex in Los Angeles in 2022. She quickly realized that the leaders of her homeowners association were ignoring a number of unaddressed issues, including a leaky decades-old roof that was flooding her neighbors' living rooms. Martin, who works for the California state government, decided to join her complex's three-person board to help out.
America's dental hygienists call it quits
Copy link Email Facebook WhatsApp X LinkedIn Bluesky Threads An icon in the shape of a lightning bolt. Impact Link When Elysse Morris decided to become a dental hygienist, it seemed like a natural fit. She was a fairly "sciencey" student in high school and generally liked going to the dentist. Plus, she'd always been a talker. Eleven years into her career, Morris, now 34, knows she could probably be making more money.
Stratford takes back the night
The Take Back the Night community march on Sept. 18 displayed solidarity with survivors of sexual assault, gender-based violence and intimate partner violence and a call for change to ensure safety for all. By: Emily Stewart The Take Back the Night rally and march in Stratford had people of all ages and genders marching around the downtown core advocating against gender-based violence, sexual assault and intimate partner violence.
The rise of clanker customers Original
Customer service workers have gotten used to the now-common question coming from the other end of the line: "Wait, are you an AI?" Being mistaken for the technology your employer hopes will replace you has become a regular, if awkward, part of the job. Now, the people who staff call centers are finding themselves in a perhaps stranger position, wondering if it's actually the "customer" that's a robot. Those suspicions are proving to be true.
Music, hoodies, and beer: Inside the battle tearing golf apart
David Schneider is all for people having fun on the golf course — to a point. The 47-year-old reached said point recently on a rare three-generational outing with his father and son on a municipal course in San Diego. They got stuck behind a foursome of 20-somethings who were downing Coors Lights, smoking cigars, and playing at what he describes as a "snail's pace," oblivious to the groups piling up behind them.
The civil war inside golf
David Schneider is all for people having fun on the golf course — to a point. The 47-year-old reached said point recently on a rare three-generational outing with his father and son on a municipal course in San Diego. They got stuck behind a foursome of 20-somethings who were downing Coors Lights, smoking cigars, and playing at what he describes as a "snail's pace," oblivious to the groups piling up behind them.
Music, hoodies, and beer: Inside the battle tearing golf apart
David Schneider is all for people having fun on the golf course — to a point. The 47-year-old reached said point recently on a rare three-generational outing with his father and son on a municipal course in San Diego. They got stuck behind a foursome of 20-somethings who were downing Coors Lights, smoking cigars, and playing at what he describes as a "snail's pace," oblivious to the groups piling up behind them.
Music, hoodies, and beer: Inside the battle tearing golf apart
David Schneider is all for people having fun on the golf course — to a point. The 47-year-old reached said point recently on a rare three-generational outing with his father and son on a municipal course in San Diego. They got stuck behind a foursome of 20-somethings who were downing Coors Lights, smoking cigars, and playing at what he describes as a "snail's pace," oblivious to the groups piling up behind them.
Music, hoodies, and beer: Inside the battle tearing golf apart
David Schneider is all for people having fun on the golf course — to a point. The 47-year-old reached said point recently on a rare three-generational outing with his father and son on a municipal course in San Diego. They got stuck behind a foursome of 20-somethings who were downing Coors Lights, smoking cigars, and playing at what he describes as a "snail's pace," oblivious to the groups piling up behind them.
Actually, blue-dot fever is amazing Original
When I noticed that Guns N' Roses was playing nearby on a random Wednesday in August, I fired off a text to my boyfriend with a screenshot of the ticket map. "Mainly not serious but," I wrote, followed by, "Is … v cheap." Less than a week before the show, it seemed Axl, Slash, and Duff had come down with a mild case of blue-dot fever. Might we be able to take advantage of it? My Guns N' Roses fandom has always fallen somewhere between a genuine interest and a bit.
My annual performance review made me realize we need to kill performance reviews
In the 1980s, they took a harsher turn, and the idea of improvement faded as more ruthless business practices took hold. Jack Welch at General Electric famously used a " rank and yank" system , where those in the bottom 10% were shown the door. In the 2000s, reviews morphed into more of an incentive exercise, offering employees a promotion- or raise-shaped carrot at the end of the year. In the 2010s, some companies finally started to look around and wonder what the point of all of this was.
Mamdani is going to town on the annoyance economy
The Department of Consumer and Worker Protection, under commissioner Sam Levine, has filed lawsuits against self-storage companies, dental providers, and solar companies over sketchy business practices such as bait-and-switch pricing and deceptive loans. It's cracked down on deceptive tipping practices by delivery apps and has secured restitution for freelancers at a local production company over late payment.
The new Google is destroying small businesses' reputations
"With the traditional search engine, the user sees multiple things. So if one of them has something wrong, chances are something else would counterbalance it," says Chirag Shah, a professor at the University of Washington's Information School. That's now gone, and with AI overviews, you're getting "The Answer," which may or may not be correct. For business owners, the consequences can be more than a mild annoyance or temporary confusion. These AI summaries are becoming their digital storefronts.
The new Google is destroying small businesses' reputations
Damian Mansell was stunned to see what Google was saying about his nascent business. When he searched for reviews of The Plastics Shed — the online building-plastics supplier he incorporated at the start of 2025 — the platform's AI overview said customer feedback was "overwhelmingly negative." It listed complaints about delayed deliveries, lying staff, and damaged products.
The new Google is destroying small businesses' reputations
"With the traditional search engine, the user sees multiple things. So if one of them has something wrong, chances are something else would counterbalance it," says Chirag Shah, a professor at the University of Washington's Information School. That's now gone, and with AI overviews, you're getting "The Answer," which may or may not be correct. For business owners, the consequences can be more than a mild annoyance or temporary confusion. These AI summaries are becoming their digital storefronts.
Reviews are ruining your life Original
James Hardaway has a reputation among his friends and family for being a reviews guy. Before making a big purchase, he'll check Wirecutter and Consumer Reports, do a drive-by of Reddit, and see what's being said on YouTube. He's an avid film fan, and he eagerly combs through Rotten Tomatoes scores and media writeups ahead of new releases to make sure he's in tune with the cultural moment. He feels that if he's not doing his homework, he may not be making the best use of his money.
First came Zyn. Then came pouches for everything.
Skip to navigation Skip to main content Skip to right column When Eric Drymer's last startup failed in 2024, he realized the stress of "grind type shit" to keep the company afloat had led him to pick up some bad habits — namely, vaping. He largely credits hypnosis with helping him quit, but a complementary solution — nicotine pouches that eased his cravings — also gave him his next business idea.
Welcome to the era of rewards cards relationship gaps
"If you encounter someone with your problem, I think it can really be a turnoff, because it just really reminds you of your own stuff," Rick says. "The mismatch, at first, can be really intoxicating and intriguing." Couples wind up with what Rick and other researchers coined a "fatal (fiscal) attraction," a reference to the 1987 film. Once people settle into relationships and real life begins, the exhilaration of a partner's novel approach to money can wear off and the cracks start to show.
They're doing everything right for retirement. Their parents didn't.
For better or worse, America treats retirement like a personal problem. Yes, there's Social Security, but it's only designed to make up about 40% of your retirement income. As for the rest, the answer is to work hard, save up, and pray your calculations are right. Even if you manage to get it all right, what happens when your parents don't do the same? Baby boomers are in their post-work era — an estimated 10,000 of them retire every day.
The baby boomer divorce boom is reshaping retirement and inheritance
Whatever the exact combination of motives, divorce attorneys say they've seen an uptick of older people showing up in their offices. Frank Perrone, the cochair of the matrimonial law practice at Tarter Krinsky & Drogin in New York, says he's working on two gray divorce cases, including one where the parties are in their 80s. The wife wants to go out, travel with her grandkids, and spend money, while the husband doesn't want to leave the house.
The sneaky luxury tax hiding in your wallet
Research shows that consumers tend to spend more when using credit cards vs. cash. Cards reduce the pain of payment, because the consequences of the spending become a later problem and aren't felt as immediately as seeing less cash in your wallet. This decoupling of the "yay" of the buy and the "boo" of the cost makes the "yay" feel stronger.
Sports are pricing out the fans who made them rich
This is the way sports are supposed to feel — exhilarating, nerve-racking, occasionally heartbreaking. The World Cup is here. The NBA playoffs have been thrilling. Baseball season is in full swing. The stakes feel extremely high, but in reality, it's all rather inconsequential. Most fans know that, deep down, but acknowledging it is no fun.
We tried to buy the exact same tickets on StubHub. We got six different prices.
A pair of tickets to see the Yankees play the Red Sox on Saturday, June 6 — Section 217, Row 13, Seats 1-2 — would have cost you $424 on StubHub if you tried buying at 10 in the morning a couple of days before the game. Those prices weren't for different seats or different listings. They didn't come from different ticket platforms or resale apps. They were the exact same tickets, viewed at the same time on the same site by different people.
We tried to buy the exact same tickets on StubHub. We got six different prices.
A pair of tickets to see the Yankees play the Red Sox on Saturday, June 6 — Section 217, Row 13, Seats 1-2 — would have cost you $424 on StubHub if you tried buying at 10 in the morning a couple of days before the game. Or $435. Or $446. Or $450. Or $486. Or $490. Those prices weren't for different seats or different listings. They didn't come from different ticket platforms or resale apps. They were the exact same tickets, viewed at the same time on the same site by different people.
World Cup sickos are planning to call out sick to watch the World Cup
The other week, a friend who shall remain nameless for soon-to-be-obvious reasons texted me a proposal: "Should we plan some potential World Cup sick days?" The message came accompanied by a screenshot of a match that may be play-hooky-from-work-worthy. We decided against it because the tickets in question were over $1,000 each. If prices drop as the event gets closer — and man oh man are a lot of people hoping they will — we will be taking time off. I'm not being delinquent.
America is getting roasted by beef prices Original
Red meat is having a moment. It's the OG protein at a time when America's protein obsession is peaking. MAHA influencers, avid gym-goers, and anyone trying to cool it with the processed foods are embracing steak, burgers, and roast beef with renewed enthusiasm. The federal government — particularly Health and Human Services Secretary Robert F. Kennedy Jr. — put beef at the forefront of the country's revised dietary guidelines.
Quiet luxury is out. Loud, in-your-face wealth is booming.
Being wealthy in America has long come with the expectation to keep it a little bit secret. The nouveau riche may commit the faux pas of conspicuous consumption, but the real money — often code for old money — knows not to commit such sins. If anything, it's their decorum that betrays their status. No longer. These days, things among the rich and famous are looking decidedly more uncouth. Jeff Bezos and Lauren Sánchez glommed onto the Met Gala.
The guy with a 'killer idea for an app' can finally build it. So can everyone else.
Like a lot of guys of the era, Eli Cohen had a great idea for an app back in 2010. But unlike many of his peers, whose musings were confined to bar hangouts and bad dates, he actually invested about $20,000 of his own money to try to bring the project to life. Unfortunately, his gumption only got him so far. Back then, "building software was painfully hard," he says. He burned through his budget well before it got off the ground.
This basket isn't real, but it might affect your mortgage repayments
Hi, I'm Emily Stewart and I'm here to help you over the next couple of weeks as we navigate some of the important moments in economic news that could affect you. 🫶 The war in Iran has caused so much uncertainty globally and I know it can be an anxious time as we hear about how the oil crisis has affected us here in Australia. 😟 Some of those effects are immediately obvious, like the higher price of petrol.
Just fix it: Nike's stock is down 70% — but there's hope for a comeback
estewart@insider.com (Emily Stewart) The thing about corporate turnarounds is that they take a minute and then some. In the case of Nike , it's and then some … and then some more. Hopefully. A company's stock price doesn't tell the whole story, but it does tell a lot of it, and the story it tells for Nike is bleak . Shares of the sportswear juggernaut have plunged 70% from their November 2021 peak, and are down 30% this year alone.
Make America Sober Again Original
Donald Trump is giving Americans a fair amount of reasons to drink these days — threatening to obliterate Iran, or flirting with a takeover of Greenland. But the president is, perhaps counterintuitively, also part of why people are laying off the booze. Trump's policies and rhetoric are killing America's buzz. Americans are drinking less than they have in decades.
New data proves what women have always known: Men are bad shoppers
The next time you are bored, head over to TikTok and search for #HusbandGroceryShopping. The results lean a little hard into "clueless men" tropes, but they are funny.
ビッグマックの配送料金、なぜ同じ条件でもバラバラになる？ デリバリー業者に見る「変動価格」の謎
Jutharat Pinyodoonyachet for BI 6人の有志で、同じ店舗へ、同じメニューの配送を、同時に頼んでも、請求額は誰一人同じではなかった。 わずか数十円とはいえ、その「気持ちが悪い」差額の理由を業者に訊いても「見当がつかない」という。 こうした個人別価格の謎に包まれた世界こそが、私たちが向かっている未来の姿なのだろうか？ 価格は価格だ。少なくとも、本来はそうあるべきだ。 もちろん例外はある。航空券やホテルの宿泊費、コンサートのチケットなどは、需要と供給に応じて価格が変動することがある。出発前日にほぼ満席の飛行機に乗ろうとすれば、数カ月前に予約した通路を挟んだ隣の席の乗客より、はるかに高い運賃を支払うことになるかもしれない。そうした仕組みを常に快く受け入れられるわけではないが、限定的な場面では変動価格制にも合理性はある。 しかし、大半のモノについては、誰もが値札通りの価格で支払えるようにすべきだ。 だが、経済の実態はそこから遠ざかりつつあるように思える。企業はテクノロジーを巧みに操り、価格を変動させて、消費者からより多くの金を引き出す手法を磨き上げてきたのだ。...
Resale sharks are hijacking secondhand shopping
Chris Hatfield is a self-described "fast nickel, not slow dime" seller. This emphasis on speed makes sense given the eye-popping amount of product he moves: Hatfield, 43, spends five days a week digging through Goodwill bins in Texas. He and his wife, Stacy, aim to scoop up 150 to 200 pounds of clothes, bags, and other items — priced at $1.99 per pound — each day. He calls her strategy for grabbing merchandise "the claw machine," snagging anything decent in sight.
Welcome to the summer of the staycation
The Crook family is trying to ignore one thing hanging over their approaching Hawaiian vacation: the fact that it might not happen. Granted, it wouldn't be the first time they've changed plans this year. They initially wanted to go to Cancún, but they scrapped that idea due to unrest in Mexico in February. They instead pivoted to Maui, but the getaway is on the books in pencil, not pen.
We're entering the golden age of baby boomer estate sales
estewart@insider.com (Emily Stewart) People love to complain about baby boomers , including that they have a lot of stuff. They're hoarding all the houses, they're keeping all the money, they're materialists who have accumulated an exorbitant amount of possessions . There are a couple of problems with these gripes: For one, no generation is a monolith, and everybody amasses things over the course of their lives, so back off.
Our chaotic Big Mac pricing test
The price is the price. At least it's supposed to be. We make exceptions — the cost of things like flights, hotel rooms, or concert tickets may move around based on supply and demand. Try to get on to a nearly full plane the day before it takes off, and you may pay much more than the person across the aisle who booked months ago. We may not always love the setup, but in limited instances, variable prices can make sense. For most stuff, though, everyone should simply pay what the price tag says.
Our chaotic Big Mac pricing test
The price is the price. At least it's supposed to be. We make exceptions — the cost of things like flights, hotel rooms, or concert tickets may move around based on supply and demand. Try to get on to a nearly full plane the day before it takes off, and you may pay much more than the person across the aisle who booked months ago. We may not always love the setup, but in limited instances, variable prices can make sense. For most stuff, though, everyone should simply pay what the price tag says.
I ate an RFK-approved diet for a week. It sparked a food fight.
There is no "right" way to eat. You wouldn't know that, though, given how much we scrutinize each other's diets. Much like child rearing, exercising, and shopping habits, food is one of those things we all make judgments about based on our own, individually concocted rulebook. Order DoorDash too much? Lazy! Think people should slow down on eating out and learn to cook?
Millennials are in their mom jeans era
Millennials, welcome to your mom jeans era. I don't mean that you're obligated to wear the jeans you made fun of your own mother for wearing 20 years ago. Those are actually cool now! The uncool fit is those skinny jeans you practically slept in during the 2010s. Oh, and Gen Z, before you laugh, that combo of loose-leg light-denim jeans and white sneakers you love will date you soon enough.
The mostly ignored treatment for drinking too much
To some extent, Americans are talking about alcohol more than ever. We're having open conversations about the negative health impacts of drinking. People are consuming less booze overall and examining strategies to moderate, even as each drink packs more punch. There is one aspect of alcohol we're still not talking about: addiction, and, more precisely, the medical treatments available to combat it. What's even odder — your doctor may not know much about them, either.
I followed an RFK-approved, $15-a-day diet for a week
I didn't set out to follow a political diet, or any diet at all, really. But it was January, the new food pyramid was out, and according to the people in charge, it was healthy and easy to do on the cheap. Plus, I like a challenge. At the start of the year, Health and Human Services Secretary Robert F. Kennedy, Jr. announced the federal government's new dietary guidelines for how Americans should aspire to eat.
Canada is having a moment - and the world is finally paying attention
It's a best-of-times, worst-of-times scenario for Canada on the global stage. To get the bad out of the way, its most important ally — the United States — has grown increasingly antagonistic, with renewed tariff threats and talk of annexation coming from the White House. On the upside, Canada is signaling it can stand more firmly on its own.
Americans are drinking less. That's killing Dry January.
Angelo Warren has never poured as much hard liquor in his 10 years of bartending as he has over the past few months. Even this January, when there would typically be a pullback, has been pretty busy. His bar does a lot of corporate events where attendees drink for free, and people who would typically take it easy around their bosses are cutting loose. "I've had to cut off hosts of parties because they're drinking too much," Warren, who lives in Chicago, says.
Your boss is about to pull back your gym benefits
Much like office snacks and flashy holiday parties, corporate wellness programs have always struck me as a bit of a scam — nice to have, but not at the expense of my job, salary, or a decent healthcare plan. Maybe that makes me a cynic, but in the zero-sum world of corporate budgets, if it comes down to layoffs vs. avocados, I'm fine skipping the avocados. Unfortunately (or fortunately), I'm not the one making those decisions.
Trump's surprising new source for 'affordability' ideas
FABRICE COFFRINI/Getty Images; Getty Images; Tyler Le/BI President Donald Trump seems to have realized the American public is not picking up what he's putting down on the economy, so he's borrowing a fresh set of ideas from an unlikely place — the other side of the aisle. Over the past few weeks, the White House has rolled out a blitz of proposals that sound more like something out of Bernie Sanders', Elizabeth Warren's, or Zohran Mamdani's offices than a Republican administration.
I've always been a cruise hater. I took one anyway and it was…fine? Original
I realized the cruise may have been a mistake on the second night of my voyage. I asked a bartender what time the rooftop jacuzzis closed, and he matter-of-factly told me it was whenever the first person of the night threw up in one. I'd noticed the tubs were drained that morning, which I trustingly imagined was part of some daily cleaning regimen, not the result of one of my fellow passengers tossing their cookies in our shared amenities.
Your ex may be stalking you on LinkedIn
Branda Statman has had some "scary times" on LinkedIn. Not scary in terms of worrying about her safety scary in terms of embarrassment. Statman, a brand manager who lives in Phoenix, has scoped out exes or potential partners on the platform more than once without switching to private browsing mode, forgetting they'd be notified. A couple of guys have called her out on it, which she's been able to spin as due diligence in modern-day dating.
The best way to win on prediction markets: insider information
It certainly looks like an insider may have cashed in big by betting on Venezuelan President Nicols Maduro's American-orchestrated ouster. Is that allowed? Good question! Maybe not, but also, to some extent, that's the point, and nobody's doing anything about it, anyway.Just ahead of Maduro's capture over the first weekend of January, a newly created account on the prediction market Polymarket put $30,000 on his exit. It was a lucrative move: the bettor made over $400,000.
The best way to win on prediction markets: insider information
When it comes to old-school securities markets like stocks and bonds, it's pretty well-established that trading on material non-public information is a no-no. If I work for Meta and know they're going to announce an awesome new product launch tomorrow, I can't buy up a bunch of stock or tell my brother-in-law to do it. With slightly less mainstream and sometimes more complex commodities, derivatives, and futures contracts, which are regulated under the CFTC, things are a little murkier.
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