iCloud.Info

• Collectable cups, keychains, and tote bags are the latest fad at fast food restaurants.
• Many chains are expanding their retail offerings and seeking viral moments with limited merch drops.
• Analysts told Business Insider the trend plays on consumers' FOMO — and

• In the Midwest, when it's cold all winter, I keep my boys busy with cardboard and tape.
• They love creating something interesting out of whatever they can get their hands on.
• I'm happy to let them do it, as long as the weather is bad. When it's nice

• I visited Nespresso's nearly 14,000 square-foot NYC store, which offers free coffee and a speakeasy.
• Between choosing a favorite scent and engraving a cup, the brand seemed to focus on personalization.
• Despite the impulse to buy, it could function as a free third space — but I likely won't be back.

At 4:45 pm on

• This post originally appeared in the BI Today newsletter.
• You can sign up for Business Insider's daily newsletter here.

No more California dreaming

California's billionaires are at a crossroads.

One of the biggest business stories kicking off the year is the proposed

• Neema and Padi Raphael are siblings — and partners at Goldman Sachs.
• Neema is the chief data officer; Padi is the global cohead of third-party wealth in asset management.
• They shared the story of rising alongside each other at one of Wall Street's most demanding firms.

One recent afternoon at 200 West Street, Goldma

• AJ Blackmon of Ikonic Yachts sells superyachts, typically over 40 meters, to the ultrawealthy.
• He said his wealthiest clients are typically the least flashy.
• The market for superyachts is bigger than he thought it would be when he first started.

A superyacht broker in Miami

• The $200 billion club could soon be old news as tech fortunes soar to fresh highs.
• Amazon's Jeff Bezos and Alphabet's Larry Page and Sergey Brin are nearing the $300 billion mark.
• Tech bosses' net worths soared last year thanks to AI buzz and have climbed

• Costco is known for buying in bulk and offering some of the lowest unit prices among retailers.
• To get its deals, the club charges shoppers an annual membership fee of $65.
• A common question is whether the savings can effectively offset the fee, so we did the math.

Costco is widely

• In one month, over 400 student-loan borrowers shared their repayment experiences with Business Insider.
• Responses included success with student-loan forgiveness, concerns with affording payments, and worries about default.
• This year is set to bring a lot of changes. Share your student-loan story by fi

• Snowflake CEO says the biggest misconception about AI is all-or-nothing thinking about its impact.
• Sridhar Ramaswamy said people either overhype it or brace for doomsday — and the reality is neither.
• Ramaswamy advises companies to focus on AI use in specific areas that drive impact.

AI often

• Nowadays THC beverage brand faces a potential ban under a bill set to go into effect in November
• Data has found that demand for alcohol alternatives is growing among adults.
• Nowadays CEO Justin Tidwell said he has less than a year to convince regulators to amend the bill.

What began as weed crumbs mixed into water is