Ex lawyer in Corporate America. Working as an editor in business blogs.

Affirm stock jumps on deal with Target ahead of holiday shopping

A shopper leaves a Concentrate on keep in New York, August 15, 2021.

Scott Mlyn | CNBC

Affirm shares jumped 15% on Wednesday after retail chain Concentrate on began giving its prospects the on-line lender’s installment mortgage provider for buys of above $100.

Focus on stated in a weblog write-up that it is really partnering with Affirm and smaller sized rival Sezzle as people equipment up for the holiday searching season.

“We know our friends want effortless and very affordable payment alternatives that perform in their family’s budget,” says Gemma Kubat, Target’s president of money and retail services, in the submit.

Get now, pay out later, or BNPL, solutions, which are installment loans that usually appear with no interest charges, have surged in level of popularity as merchants answer to client demands for straightforward techniques to shell out devoid of incurring debt. BNPL suppliers usually insert a checkout button to a retailer’s web-site and then acquire a minimize from the merchant on each transaction.

RBC Funds Markets estimates a BNPL solution will increase retail conversion prices 20% to 30% and lifts the typical ticket size among 30% and 50%.

Affirm went public in January at $49 a share, and its stock price has considering the fact that jumped by over 150% to $127.80 on Wednesday. The company’s marketplace cap has swelled to virtually $35 billion.

An Affirm spokesperson confirmed the Target deal and explained in an e-mail to CNBC that a modern survey carried out by the enterprise confirmed more than 50 percent of Individuals “are fascinated in working with a pay out-more than-time solution this holiday time.”

Affirm’s most sizeable announcement came in late August, when the corporation mentioned Amazon was supplying its services for purchases of $50 or far more on the website. Affirm shares spiked 47%, as the firm grew to become Amazon’s first 3rd-social gathering supplier of installment financial loans.

Before in August, Affirm partnered with Apple to provide financing for iPhones, iPads and Macs.

The BNPL current market is having off nicely over and above Affirm. Square agreed in August to invest in Australia’s Afterpay for $29 billion, the major tech deal of the year. And in June, Swedish fintech company Klarna raised funds at a $46 billion valuation, adhering to a partnership with Macy’s in late 2020.

Focus on said in its post that clients can utilize with Affirm to get started. Then, right after filling up a cart on Target’s site, a shopper can select to pay with Affirm and choose on a regular monthly compensation.

“You are going to hardly ever spend much more than you agreed at checkout as Affirm doesn’t demand any late or concealed fees,” Concentrate on explained.

Observe: Affirm CEO suggests fintech has a extended way to go

Supply url

Disney World’s Guardians of the Galaxy: Cosmic Rewind launching 2022

Disney World’s to start with reverse-start roller coaster, Guardians of the Galaxy: Cosmic Rewind, is established to debut in 2022 at Epcot.

The attraction – don’t dare get in touch with it a ride – will consist of two elements, the latter becoming one particular of the world’s longest enclosed roller coasters. The developing that homes the coaster is “so big it can healthy four Spaceship Earths,” the legendary “golf ball” at the entrance to Epcot, according to Ashley Levine, senior solution controls at Walt Disney Imagineering.

Details these types of as the correct peak, speed and time of the attraction haven’t been launched, but we do know the coaster does not go upside down. It is getting billed as a family members-helpful experience.

►Come discover with us: Subscribe to our Journey newsletter

►MagicBand+: Disney introduces new know-how to ‘unlock all forms of magical moments’

“We believe it will be a bit much more thrilling than Seven Dwarfs Mine Coach (at Magic Kingdom), but not pretty as adrenaline-inducing as Rock ‘n’ Roller Coaster (Staring Aerosmith at Hollywood Studios),” said Levine. “It will be a sleek and satisfying expertise.”

A different initial for this coaster is new technological know-how that lets the journey auto to rotate 360 degrees even though zooming together the track. This will enable riders to be pointed at the most action and will make certain they get the most out of the attraction.

The first portion of the encounter starts in the Galaxarium, a planetarium-like exhibition wherever company will master about the planet Xander, its background, society and the heritage of its persons.

“Something’s going to go improper and we are likely to be whisked away with the Guardians on an outstanding experience as a result of time and room,” Levine reported.

The motion picture “Guardians of the Galaxy” is centered on the Marvel Comics superhero staff of the similar title. The film, directed by James Gunn, stars Chris Pratt, Zoe Saldana, Dave Bautista, Vin Diesel and Bradley Cooper. It was introduced in 2014 with a sequel that arrived out in 2017. The 3rd installment is predicted to be released in 2023.

Resource backlink

5 things to know before the stock market opens Wednesday, Oct. 6

Below are the most crucial information, trends and assessment that buyers have to have to commence their trading day:

1. Inventory futures sink as October’s wild swings proceed

Traders do the job on the floor of the New York Inventory Trade (NYSE) on October 04, 2021 in New York City.

Spencer Platt | Getty Images

2. 10-year Treasury yield tops 1.5% after ADP positions data

3. In the vicinity of 7-12 months higher oil charges stoke inflation concerns

Operating oil pumps against a sunset sky.

Imaginima | E+ | Getty Photos

4. Biden concedes $3.5 trillion spending plan monthly bill will have to have to be smaller

U.S. President Joe Biden provides remarks on infrastructure investments at the Intercontinental Union of Operating Engineers Neighborhood 324 coaching facility in Howell, Michigan, October 5, 2021.

Jonathan Ernst | Reuters

5. Democrats take into consideration filibuster change to hike personal debt ceiling

Resource connection

Microsoft’s Panos Panay explains balancing Surface, keeping OEMs happy

Panos Panay, chief item officer of Microsoft Corp., shows the new Surface Laptop 3 laptop through a Microsoft products celebration in New York, U.S., on Wednesday, Oct. 2, 2019. Microsoft unveiled a twin-display screen, foldable mobile phone that will run on Google’s Android running technique, jumping back into a sector it exited a long time in the past.

Mark Kauzlarich | Bloomberg | Getty Visuals

Microsoft main solution officer Panos Panay fills two occasionally contradictory roles for the company.

On one hand, he’s been hyping Microsoft’s Surface area PCs considering that Microsoft confirmed its to start with tablet in 2012. But he’s also responsible for the Home windows consumer knowledge. That suggests he has to convince Pc makers to ship and endorse new versions of Home windows, even as Microsoft competes straight towards them.

That dual function is on full display screen this 7 days as Microsoft starts off offering upgrades to Windows 11, its initial new operating procedure due to the fact 2015, while at the very same time launching its latest Surface area desktops.

“I spend as substantially time with the OEMs as I do with Area ideal now,” Panay explained to CNBC.

He declined to say whether Surface or Home windows is more crucial to him than the other, but Windows licenses nevertheless create noticeably more profits for Microsoft than Surface computer systems. Morgan Stanley approximated that Microsoft will crank out $13.3 billion in Home windows OEM profits and $6.5 billion in Floor profits in the 2021 fiscal year.

But the associates that license Home windows have not often supported Microsoft’s moves to phase on their turf with its own tablets and laptops. The CEO of Acer advised the Financial Times Microsoft must “consider 2 times” when it very first launched its Surface pill in 2012. And Asus reportedly felt blindsided when Panay unveiled the Floor Guide — which was much more like a traditional laptop computer pc — in 2015.

When Panay speaks at Microsoft occasions about the most recent Area computers, he almost unnaturally enthusiastic and oddly specific about hardware factors. Now, he reported, he’s thrilled — he likes to use the word “pumped” — about the range of choices for shoppers and companies, no issue who builds the components.

“OEMs supply selection for customers,” Panos explained of Microsoft’s partners. “Not just option for choice’s sake. What do you want to complete? You can decide on a gadget that suits you.”

‘A amount playing field’

Steven Sinofsky, then president of the Home windows team at Microsoft Corp., speaks throughout an function in New York, U.S., on Thursday, Oct. 25, 2012.

Scott Eells | Bloomberg | Getty Pictures

Panay has emphasised communication, like with outsiders. As before long as he took on the Home windows purpose last calendar year, he commenced conference with workforce at chipmakers these kinds of as AMD and Intel, as effectively as Lenovo, Samsung and other Personal computer makers.

“My entire target is, ‘Hey, what do your clients need?’ This is from an OEM brand point of view,” Panay claimed. “Very same with Surface. ‘What do the Area buyers will need?’ Finally, they’re all Windows shoppers.” He explained has has experienced input on each and every Floor design, which include the Surface Laptop Studio Personal computer that went on sale this 7 days.

Given that Microsoft declared Windows 11 facts in June, individuals have debated the minimum hardware demands the organization is insisting on, like a stability chip.

Eigen reported the hurdles to update aren’t as well huge.

“I think that Microsoft made the appropriate decision to say, ‘Look, at a selected place we need to make progress with our functioning process,'” Eigen said. He explained persons acquire new smartphones each other 12 months but turned accustomed utilised to buying new PCs each and every six or 7 several years. The marketplace demands to do greater at motivating men and women to get new units, he stated.

A major release in the course of a global chip scarcity

Lenovo Chairman and CEO Yang Yuanqing, heart, normally takes a selfie with Microsoft CEO Satya Nadella, left, and then-Intel CEO Brian Krzanich throughout the Lenovo Tech Planet party at China National Conference Heart on May perhaps 28, 2015 in Beijing. Lenovo introduced a sequence of new merchandise during the one particular-day celebration.

Visual China Team | Getty Images

Will Windows 11 drive updates?

The massive query is no matter whether Home windows 11 will do just about anything for Pc sales, or if the Computer system refresh cycle is typically influenced by broader economic and social things, regardless of what Microsoft does with its running method.

Windows 11 incorporates a redesigned Begin menu, better trackpad and touchscreen controls, buttons for arranging several systems on-display and entry to Android applications. That may not be adequate to get people today to ditch Home windows 10 pcs.

“I you should not feel they are likely to provide significantly nicely out of the gate,” Michael Cherry, senior analyst at Instructions on Microsoft, reported of the new Home windows 11 PCs. Early adopters could acquire them at initially, but men and women won’t all all of a sudden have new computer systems jogging Windows 10, mainly because of the chip lack, Cherry claimed.

The Laptop market liked a 13% yr-in excess of-yr enhance in device shipments in 2020, the speediest development in a decade, in accordance to estimates from industry study enterprise IDC. And quite a few of the desktops individuals bought past yr can enhance to Home windows 11 for no cost. The acquiring frenzy might not continue on for much extended, even as several people today continue distant work. When IDC forecasts 14% progress for 2021, it sees shipments soaring much less than 2% in 2022.

But Panos argued some Surface area options are much more powerful to buyers now.

“‘Why do you put cameras and microphones on your Surface?’ I’d be asked that issue,” Panay mentioned. “Can you think about hoping to question that concern currently?” Now cameras and microphones enable men and women to fulfill pretty much by means of their pcs with coworkers, classmates and family members.

A new appear for Windows counts for some thing, as well. New Windows versions make a variation in people’s willingness to devote their income, Burd stated.

Eigen, at Lenovo, claimed he is hoping Home windows 11 will accelerate the cycle of persons replacing PCs. Young persons could possibly want to graduate from just proudly owning smartphones, while more mature men and women might want to upgrade due to the fact the Pc is simpler to use with Windows 11, he claimed.

Panay’s optimistic. He explained Home windows 11 will conclude up being a lot more common than Home windows 10, which exceeded 1.3 billion month-to-month energetic products. He did not say when that would materialize. Support for Windows 10 ends in October 2025.

“We’ve obtained to see what buyers consider,” Panay said. “We are tremendous-inspired to pay attention.”

Watch: How Microsoft is generating a new ‘cloud Laptop category’ with Home windows 365

Resource link

5 things to know before the stock market opens Tuesday, Oct. 5

Here are the most crucial news, developments and assessment that investors have to have to begin their trading working day:

1. Wall Street looks greater after Monday’s tech decline

A trader appears to be up grimly at a display at the New York Inventory Exchange September 17, 2001 in New York.

Chris Hondros | Getty Illustrations or photos

2. U.S. faces recession if Congress does not act on debt restrict , Yellen suggests

Janet Yellen, U.S. Treasury secretary, speaks throughout an job interview at the National Affiliation of Enterprise Economics (NABE) annual conference in Arlington, Virginia, U.S., on Tuesday, Sept. 28, 2021.

Amanda Andrade-Rhoades | Bloomberg | Getty Photos

3. Oil prices rose to around 7-12 months highs right after OPEC, allies moves

Oil-storage tanks are witnessed from previously mentioned in Carson, California, April 25, 2020 after the rate for crude plunged into damaging territory for the 1st time in historical past on April 20.

Robyn Beck | AFP | Getty Visuals

4. Fb whistleblower to testify platform outage set

Facebook, Whatsapp and Instagram logos are shown through damaged glass in this illustration taken Oct 4, 2021.

Dado Ruvic | Reuters

5. Tesla will have to shell out ex-worker $137 million above hostile office, racism

Tesla Chief Executive Business Elon Musk speaks at his company’s manufacturing facility in Fremont, California.

Noah Berger | Reuters

Supply hyperlink

Amazon begins early Black Friday deals to jumpstart holiday shopping

Amazon workforce load packing containers with orders at the company’s success centre forward of Cyber Monday in Tracy, Calif.

David Paul Morris | Bloomberg | Getty Images

Amazon is rolling out “Black Friday-deserving” promotions in a bid to hook early holiday getaway purchasers, the corporation declared Monday.

Amazon reported it can be presenting “deep special discounts across each classification,” such as trend, electronics, house merchandise and toys. New bargains will be included to the website day by day.

Key suppliers have tried out to persuade consumers to get started their getaway shopping before than regular to make certain their gifts are delivered on time. Like Amazon’s early getaway push, Goal is launching “deal times” on-line and in outlets Oct. 10-12, the organization introduced past 7 days.

Holiday forecasts have predicted a sharp bounce in yr-more than-year paying. But retailers also encounter a litany of problems this year, from inflationary pressures and offer chain woes to labor shortages. For shoppers, that could guide to far more headaches like transport delays or products that are out of inventory far more than standard.

Amazon also released a new element Monday in its browsing application that will allow Prime associates to mail items to friends and household without the need of an handle. As a substitute, end users enter a person’s telephone quantity or e-mail address. Recipients are notified when they get a reward and enter their tackle. They can also opt to exchange the product for a reward card.

The early Black Friday discounts coincide with Amazon’s elegance items function, referred to as “Holiday getaway Beauty Haul,” which kicked off Monday. Amazon hopes to use the splendor event to draw in customers in advance of Black Friday and assistance improve its placement in on the internet attractiveness revenue, which have soared during the pandemic.

Enjoy: How the world-wide provide chain shock will impact holiday retail

Supply connection

Best beach bars from all across Florida: Tampa Bay, Miami, Sarasota

Amazing drinking destinations from the Panhandle to the Keys including picturesque places such as Tampa Bay, Palm Beach, Sarasota and Cocoa Beach.

While we love relaxing on our famous Florida beaches, we’re even bigger fans of enjoying the same warm and sunny setting while seated at a beach bar. Because, really, there’s nothing better than elevating that toes-in-the-sand experience with a tropical cocktail or ice-cold beer and perhaps a light bite or two.

For us Floridians, the beach bar options are basically infinite. So we decided to share our favorites. From hidden gems to Sunshine State icons, all feature an array of adult beverages – plus some tasty food options – in a fun, waterfront setting.  

Presented in alphabetical order, the list is culled from USA TODAY Network contributors in coastal communities across Florida, with bars hugging both the Atlantic Ocean and Gulf of Mexico. 

►Which EU countries are open to US tourists?: A breakdown of EU travel restrictions by country

►Come explore with us: Subscribe to our Travel newsletter

Anna Maria Island Beach Cafe

4000 Gulf Drive, Holmes Beach; 941-778-0784;

One of the best kept secrets in the Sunshine State, the Anna Maria Island Beach Cafe is a beach concession stand but way better. There’s live music daily at 5:30 p.m. and a bunch of tables that place guests right on Manatee Public Beach – with a full-liquor tiki bar also right on those sugary white sands. 

Soaking wet from a recent dip in the Gulf of Mexico? No problem. Grab a stool and the bartender will hand you a drink. If there are no barstools open, take a spot in line where you’ll have time while to decide if you’re going to order, say, a Marvelous Margarita, Captivating Colada or Electric Lemonade – and contemplate whether you’re going to get it served in a hand-carved “monkey coconut.” 

Open daily for breakfast, lunch and dinner, the cafe serves a popular pancakes and sausage special with other favorites including comforting beach classics like the cheeseburger, Chicago-style hot dog, chili cheese fries or their yummy onion rings. Seeking something more healthy? Try the blackened chicken wrap with mango chutney or one of the many salads. – Wade Tatangelo, Sarasota Herald-Tribune 

Coconuts on the Beach

2 Minutemen Causeway, Cocoa Beach; 321-784-1422;

Does it get any better than sipping a pina colada while your T-shirt flaps in the salty breeze? If so, we don’t know how. Add an Atlantic view and some of the best people-watching around, and you’ve got Coconuts on the Beach.

Coconuts is on Minutemen Causeway, right in the heart of Cocoa Beach. Bands play tropical music and servers offer up seafood dishes and rum drinks. Claim a table on the deck, and order something frozen. Go ahead and get that extra shot of rum. You’re on vacation, even if it’s just your lunch hour. Or mingle at the bar, where you’ll find regulars and tourists alike. You never know. You could meet an honest-to-goodness astronaut, or some college kid who drove over from Orlando for the afternoon. Either way, you’ll go home with a story to tell.

Visiting the Space Coast at Christmas? Coconuts on the Beach is Ground Zero for the town’s quirky Christmas Eve celebration. Hundreds of surfers in Santa suits take to the waves the morning before Christmas, with up to 15,000 spectators watching from the beach, many of them crowding into Coconuts to buy drinks and make use of the facilities. Regardless of the day, crowded Christmas Eve or Tuesday afternoon in May, you’ll find a jolly good time at Coconuts.– Suzy Fleming Leonard, FLORIDA TODAY

Doc’s Beach House

27908 Hickory Boulevard, Bonita Springs; 239-992-6444;

Doc’s Beach House is something like an old friend. 

You might wander away from time to time, exploring other options on Florida’s hundreds of miles of coasts, but you know Doc’s Beach House – not to be confused with Doc Ford’s Rum Bar & Grille – will be waiting for you. 

This Bonita Beach gem dates back to 1987 with sunset views dishes bar fare like charbroiled burgers, chicken tender baskets, pizzas, salads and soups, too. 

Doc’s Beach House also has a sister company: Bonita Jet Ski and Parasail. Really, you can make a day out of visiting Doc Ford’s. Spend the heat of the day skimming gulf waters on a rental or soaring high in a parasail. When you’re well and truly tuckered out, meander into Doc’s, grab a beer and a bite, and make your way back out to the still-warm sands to enjoy  one of the spectacular sunsets Southwest Florida is known for. 

This friendship is sure to stand the test of time. – Andrew Atkins, Naples Daily News 

The Golden Lion  

501 N. Oceanshore Blvd., Flagler Beach; 386-439-3004;

Founded in 1992, Flagler Beach’s Golden Lion is a destination beach bar with a rich history. Now in its second generation of ownership, the bar and restaurant got its name from the local British pub owned by founder Tony Marlow’s father. Its second-story deck with umbrella tables is a great place to watch the waves and have a beer – or perhaps the Golden Lion’s signature drink the Suntanned Surfer Girl (coconut rum, pineapple juice and Coke). The Lion’s fish and chips are a specialty, cooked in beer batter. Try it with the Lion’s key lime tartar sauce. It’s mostly outdoor seating and a laidback surf-town vibe that draws travelers and locals to spend time “Limin’ at the Lion.” Live music most nights and reggae on Sundays. – Mark Lane, The Daytona Beach News-Journal

Jimmy B’s Beach Bar

6200 Gulf Blvd., St. Pete Beach; 727-367-1902;

Regularly voted best beach bar in Florida, Jimmy B’s places guests right on St. Pete Beach, which was the big winner this year on Tripadvisor’s annual list of best beaches in the country. Part of the iconic Beachcomber resort originally opened in 1949, Jimmy B’s features multiple indoor and outdoor bars, an open-air patio, two stages for live music and paved pathways that take patrons right from the pool area and wood deck to the powdery white sand of St. Pete Beach. 

Sip on a well-made margarita, rum runner or perhaps mai tai while noshing on their beloved beach burger, chicken wings, or fish tacos. And be sure to get a good spot for the daily live music featuring many of Florida’s top rock bands. – Wade Tatangelo, Sarasota Herald-Tribune 

Junkanoo on the Beach

3040 Estero Blvd., Fort Myers Beach; 239-463-6139;

Situated on the white-sand shores of Fort Myers Beach, Junkanoo is a family friendly hot spot for tourists and locals alike. Ice cold beers and fruity, rum-fueled cocktails balance out this beach bar’s beverage offerings, while the food side of the menu is home to shrimp tacos, thick burgers, and the hand-tossed pizzas owner Franco Russo and his Italian family have been making for decades. 

The Russos, who owned and operated restaurants in Boston and Cape Cod, Massachusetts, headed south to build Junkanoo in 1998. Located mid-island, the restaurant offers stunning, palm-tree-framed views of the Gulf of Mexico. Its outside tables and chairs allow customers to sink their toes and in the sand and listen to the crashing waves while eating and drinking. Life doesn’t get much beachier. – Annabelle Tometich, The (Fort Myers) News-Press

Lemon Bar & Grille

2 Lemon St., Neptune Beach; 904-372-0487,

The Lemon Bar checks all the boxes when it comes to beach bars. Cold beer? Got it. Surfboard/lifeguard tower-themed chairs? You betcha. Location right next to a public walkway so you can watch people haul way too much stuff to and from the beach? Check.  

The Lemon Bar (it’s at the end of Lemon Street and sports bright yellow awnings, so what else would you call it?) has long been a favorite for Jacksonville-area beachgoers. It’s around the corner from Pete’s Bar, another iconic local favorite, in a funky, artsy neighborhood. You’ll have to pay to park in the neighborhood, and spots can be scarce at peak times. 

The Lemon Bar doesn’t even have indoor seating. A couple dozen tables are sprinkled around a large concrete-paver deck. Awnings cover the bar, kitchen and a few seats, but nearly all the seats are out in the open, like they should be at a beach bar, with a handful of palm trees providing a bit of shade A small stage stands in one corner of the deck for live entertainment.  

Frosty and frozen drinks, not surprisingly, are all over the menu but the Lemon Bar also offers beer on tap or in a can. The menu offers beach bar sort of fare, with tacos, fish sandwiches, burgers and BLTs. – Tom Szaroleta, The Florida Times-Union

Morada Bay

Morada Bay: 81600 Overseas Highway, Islamorada, 305-664-0604;

Sure, you can drive all the way to Key West and applaud the sunset at Mallory Square. But you’ll pass one of the best places to celebrate the sunset in the Florida Keys: Morada Bay, the beachy bar and café just south of Mile Marker 82 in Islamorada. 

Brightly colored wooden tables and Adirondack chairs dot the sand. Coconut palms flutter in the bayside breeze. And that Key Lime Colada you ordered arrives with a graham-cracker rim. 

Open daily from 11 a.m. to 9 p.m, Morada Bay offers a dining menu that ranges from local snapper sandwiches to Key West pink shrimp tacos to heftier meat entrees, shareables and sweets.

You’ll want to kick off your flip-flops at this place, which takes on dreamscape tones as the late-afternoon pinks heighten just before sunset. And because Morada Bay sits on the western side of the Overseas Highway, you get that full-on sunset extravaganza. – Liz Balmaseda, The Palm Beach Post

O’Leary’s Tiki Bar and Grill

5 Bayfront Drive, Sarasota; 941-953-7505;

An island oasis found right on the waterfront edge of downtown Sarasota, O’Leary’s is the charmingly casual sister bar of neighboring Marina Jack  a 300-slip marina and multi-dining room complex opened in 1968. Featuring its own white-sand beach dotted with picnic tables as well as a dock, O’Leary’s attracts a welcome mix of tourists, boaters and local office workers looking to decompress on the water during happy hour or perhaps lunch.

Open daily starting at 8 a.m., O’Leary’s is the ideal spot for a vacationer’s bloody mary morning or to watch the sun set over Sarasota Bay while sipping a margarita. It’s also a fine spot for discount day drinking thanks to the plastic cups brimming with ice-cold Bud Light that cost a mere three bucks, which is still one of the better bar deals in Sarasota. As for food, you can’t really go wrong pairing one of their burgers with curly fries. Also, there’s a great rotation of daily live music acts performing all of your favorite tropical tunes and beach ballads. – Wade Tatangelo, Sarasota Herald-Tribune

Racing’s North Turn 

4511 S. Atlantic Ave., Ponce Inlet; 386-322-3258;

Florida has hundreds of beach bars, but there cannot be a lot of beach bars with the North Turn’s NASCAR bona fides. The bar/restaurant sits on the beach, literally at the point where early NASCAR racers made the north turn on the original Daytona beach track until they moved to the superspeedway up by I-95 in the late ‘50s.  

It’s full of NASCAR memorabilia, of course, and its not uncommon to find actual drivers sitting at the bar during race week.

►Disney World prices keep going up, but is it worth it?: Here’s why die-hard fans keep going back.

‘It’s like you’re climbing the gallows’: The ‘walk of shame’ some theme park visitors dread

The bar has indoor and outdoor seating and a full menu (try the shrimp and grits). There’s a steady flow of customers coming in the front door and wandering in from the beach side. They have live bands several nights a week and a live radio show, “Legends of Racing,” is done from the bar every week. 

The bar has kind of a tiny parking lot, but that’s OK – there’s a big public beach lot right across the street. – Tom Szaroleta, The Florida Times-Union 


5121 Gulf Drive, Panama City Beach; 850-235-3555;

Known as “The Last Local Beach Club,” Schooners originally opened as The Beach Party in the late ’60s. Overlooking the Gulf of Mexico with steps to the sand, Schooners still knows how to throw a beach party.  Some guests even arrive by boat. 

During the annual week-long Lobster Fest, Executive Editor Chef Konrad Jochum showcases 10 different lobster specials (from lobster mac and cheese to lobster and grits) – some dating back to his years in Key West, culminating with the weekend’s all-you-can-eat Lobster Feast on the Beach. The feast even features freshly caught native Spiny Lobster (aka rock lobster) or Shovelnose caught in the annual Dive Tournament, paired with live music on the beach stage and a sand-sculpting contest.

►’It’s slim pickings right now’: Why travelers may have to settle for alternative vacations

►Vaccine requirement: Domestic flyers may need to show proof of vaccination if Senate bill passes

From the “Beach Party,” a trio of deep-fried mahi, oysters and jumbo shrimp, to seared ahi tuna steak and crab cakes, menu entrees will get your mouth watering. The 10-ounce Angus beef burger is “Legendary.” Wash it down with the Sunset Special (Schooners’ mix of raspberry vodka, peach schnapps, mango, pineapple and orange juices) or Cannon Blast (rum and fresh juices with a 151 floater).

Nightly sunset celebrations cap off the day with the firing of the old cannon. Schooners has three beach cams viewable from their website: Sunset Cam – just off the back steps leading to the sand under the swaying palm trees; the Beach Cam of the sand and surf; and Hill Bar Cam showing the inside of the open-air restaurant. – Jan Waddy, Panama City News Herald

Sharky’s On the Pier

1600 Harbor Drive S. Venice; 941-488-1456;

Another place routinely voted best beach bar in Florida, Sharky’s is a south Sarasota County landmark dating back to 1987. Located at the base of the Venice Fishing Pier first built in 1966, Sharky’s places guests right on the sand of Brohard Beach overlooking the Gulf of Mexico.

The drink menu includes a bunch of signature frozen beverages such as the made-from-scratch Sharky’s Citrus Margarita featuring fresh Florida orange juice and Grand Marnier floater. Another favorite is the Pier Pressure, which is made with house-infused pineapple and habanero Jose Cuervo silver tequila. 

Sharky’s also serves a full food menu of fried shrimp, chicken fingers, grouper sandwich and such. Looking for something fancier? Sister restaurant Fins at Sharky’s is located right next door offering a more upscale dining experience centered around steaks and sushi. – Wade Tatangelo, Sarasota Herald-Tribune

Topside at the Beacon

1116 Love St., Jupiter, 561-532-3270,

Welcome to the rooftop bar with the most sparkling views of the iconic Jupiter Lighthouse. Topside at the Beacon is part of the months-old, Joe Namath-backed restaurant complex known as Charlie and Joe’s at Love Street. The NFL icon, who has lived in the area for 33 years, partnered with developer Charles Modica to bring two full-service restaurants, a seafood market and the rooftop bar to the waterfront dining scene on the Jupiter Inlet. 

Topside is one of those made-for-South-Florida waterfront bars. It’s loungey, dotted with fun hanging-basket chairs. Lush greenery punctuates the place, allowing for cozy, open-air nooks. The bites are appropriately festive and tapas-size. (Think robata-grilled garlic shrimp, wood-roasted local fish dip and dessert churros.) The drinks are thoroughly glammed-up tiki. 

Yes, there are more casual beach bars to be found in the area, funky spots like the Square Grouper next door and Guanabanas across the street. Topside, which opens at 3 p.m. on weekdays and 11:30 a.m. on Saturdays and Sundays, gives you that postcard-from-paradise view from above.– Liz Balmaseda, The Palm Beach Post

Source link

Where to travel in the Philippines? A guide to visiting six spots

At first look, the more than 7,100 islands that make up the Philippines may perhaps look to be comparable.

People islands — of which some 2,000 are inhabited — vary by background, lifestyle and religion, indicating they attract travelers for diverse motives.

Right here are six — some very well-recognised, some not — and the types of vacationers that gravitate to each and every.


Boracay was at the time identified as the Philippines’ quintessential bash island. That transformed next a six-month closure in 2018.

Along with an intense environmental cleanup, the island freshened its graphic. It now caters to family-welcoming ordeals around hedonistic beach front raves.

Boracay’s sudden closure in 2018 cleaned each the environment and name of the popular island.

35007 | E+ | Getty Photos

Boracay is divided into three “stations,” or locations.

Station 1 is residence to White Seashore, an space popular for its sunsets, white sands and light waves in which minimal kinds can frolic and splash. To try to eat, drink and store, vacationers can stroll down the seaside or hop on a “tricycle” — a bike with an connected passenger taxi — to attain the busier Station 2.

“Station Zero” is home to some of the island’s most high-class inns, such as the Shangri-La Boracay.

suntill / Imazins | ImaZinS | Getty Visuals

Station 3 is frequently a lot less chaotic but these looking for the most secluded escape can take into account the northwest component of the island — an space locals connect with “Station Zero.” Property to a few luxury resort companies — Crimson, Movenpick and Shangri-La, it is for travelers who want a peaceful cocktail although their young ones create sandcastles on the beach front.

With seashore shacks providing way to resorts, some tourists may well say the soul of the island has altered. Boracay is different now, for positive, but some might say for the superior.


Palawan, a needle-slim archipelago in west Philippines, has been dubbed the most attractive island in the earth by different media outlets.

danilovi | E+ | Getty Pictures

Even further north are the far more rustic islands of the municipality of Coron. Operated by Discovery Resorts, Club Paradise has a Robinson Crusoe vibe, with thatched beachfront huts and breakfast that can include things like sudden site visitors — imagine monkeys rifling via your fruit basket. It’s a setting up position for wreck divers to check out sunken ships from Planet War II.

A vacation resort called Flower Island is operated by the household guiding the pearl brand name Jewelmer. Travelers can visit the company’s pearl farms there.

A diver explores World War II Japanese wreckage around Coron, Palawan.

Brandi Mueller | Instant | Getty Photographs

Luxurious holidaymakers can fly east to the Cuyo Islands and indulge in Amanpulo’s best-notch assistance. Opened in 1993, the personal island resort stays one particular of the country’s most special beach resorts.


For a blend of Philippine tradition and beachside serenity, Bohol might be the put to go.

The island is residence to historic and purely natural sights. Travelers can examine the Chocolate Hills, paddleboard by means of the environmentally friendly-hued Loboc River, or go to a tarsier sanctuary to study about this major-eyed primate.

Tarsiers are little and can suit inside of a human hand, while holidaymakers are cautioned not to touch them.

Tuul & Bruno Morandi | The Image Bank | Getty Illustrations or photos

Bohol’s Chocolate Hills are named after the browning that happens when the grass dries through the to start with half of the 12 months.

John Philip Harper | Image Resource | Getty Visuals

The Anda Peninsula is silent, as is the secluded, family-operate Amun Ini Seaside Resort & Spa, which suggests “this is ours” in the area dialect.


Siargao is identified as the browsing capital of the Philippines.

Cavan Visuals | Cavan | Getty Photos

Though not the position for soft sands and gentle waves, Siargao has ocean functions this kind of as cocktails on a sand bar and visits to Bare Island — so named for its bareness. Beyond the surf, travelers can swim in the Magpupungko Rock Pools or go cave diving at Sohoton Cove.

Most action is concentrated about the town of Standard Luna. There tourists can come across cafés serving cappuccinos and smoothie bowls by the sea. There are also tapas joints with community craft beer and motorbike pubs with are living new music and ceviche.

Lodging assortment from just one-home seaside shacks to yoga retreats and villas. Harana Surf Vacation resort is a typical location and a favored hangout for nearby browsing legends.

Guyam Island is a smaller island near Siargao that is well-known between island hopping travellers.

Picture by TanMan | Instant | Getty Images

Kalinaw Vacation resort is a boutique hotel in the heart of Typical Luna. Operate by two Frenchmen, the vacation resort has massive sea-struggling with villas, lots of with their possess swimming pools.

The Nay Palad Hideaway is a additional magnificent destination. Company are inspired to go barefoot and go away their problems at the door.


Identified as the island of witchcraft and sorcery, Siquijor continues to be mostly untouched by outside impact.

Some locals are as well frightened to visit, and couple worldwide vacationers know about it. Which is little by little changing due to a slow inflow of curious foreigners and adventurous regional guests.

Villagers in Siquijor collect ashes from a cemetery to use in rituals to shield their properties and livestock.

ROMEO GACAD | AFP | Getty Photographs

Cambugahay Falls is a 3-tiered waterfall and well-liked swimming gap on Siquijor.

Matteo Colombo | DigitalVision | Getty Images

Siquijor’s mystical traditions are continue to alive, as evidenced by a healing competition celebrated as soon as a yr. The mix of historical beliefs, shamanistic methods and Christian faith is an emblem of the complexities of Philippine society and history.


Mindanao’s Zamboanga Peninsula has abundant history and gorgeous beaches, significantly the pink sands of Santa Cruz Island.

The culture mixes influences from indigenous tribes, community seafarers and the Spanish — the latter mirrored in the area’s dialect referred to as Chavacano. The final result is a metropolis with colonial structures, locals in vibrant handmade dresses and an ocean dotted with standard boats.

Two boys fish against the sunset sky in Zamboanga, Philippines.

Christian Quilalang / EyeEm | EyeEm | Getty Images

The delicacies is advanced. Curacha, a area delicacy, is grilled spanner crab that is normally eaten with Alavar — a sauce of crab roe, coconut milk and spices. Grilled skewers identified as satti are served with a fiery blend of chilies, known as ta’mu.

Genuine to the area’s Spanish roots, paella is a preferred, and it truly is generally prepared with fresh seafood. The Muslim Malay affect is also present, significantly with dishes these kinds of as beef rendang and rooster pianggang. Though people dishes are widespread throughout Southeast Asia, Zamboangeños use excess coconut and lemongrass.

Tourists who want a white sand encounter can get a boat to Once Islas, or Eleven Islands — an eco-tourism attraction that opened in 2018.

Source link

Ethereum had a rough September. Here’s why and how it gets fixed

September was a rough month for crypto buyers, in distinct for all those betting big on ether, the token tied to the ethereum blockchain.

Ether dropped 13% for the thirty day period, its second-biggest month-to-month decrease in the earlier 12 months, at the rear of only a 16% slide in June. Bitcoin fell 7% in September.

It is difficult to website link quick-expression selling price movements to any specific function, and with the historic rally in crypto above the previous 12 months, pullbacks are to be predicted. Ethereum, the next most-useful cryptocurrency driving bitcoin, is nonetheless up about 830% in the previous calendar year.

Investors are now shopping for the September dip. On Friday, the very first day of Oct, ether and bitcoin equally climbed around 9%.

Ether 12-thirty day period price chart


But the September roller-coaster displays a specifically rocky stretch for the ethereum ecosystem, which has specified buyers and developers motives for problem.

The speed of the network and superior transaction expenses keep on to be a trouble. The “London” update in August was meant to make transaction charges much less risky, but it can be had a limited effect.

Meanwhile, rival blockchains dubbed “ethereum killers” are using advantage of ethereum’s worries.

Ethereum also unexpectedly break up into two independent chains in late August, after somebody exploited a bug in the computer software that most people use to hook up to the blockchain. That uncovered the network to an assault, and not for the to start with time.

“All these aspects could be owning some affect on the speculation facet, no doubt,” mentioned Mati Greenspan, founder and CEO of Quantum Economics, in an interview. “But you should not neglect that ethereum has appreciated pretty handsomely so far this yr and the entire marketplace would seem to be in consolidation at this time. So I would not try out to read also deeply into these shorter-expression actions.”

However, ethereum, which serves as the principal setting up block for all sorts of crypto jobs, like non-fungible tokens (NFTs), smart contracts and decentralized finance (DeFi), has some main hurdles to defeat to fend off the emerging competitiveness.

Ethereum’s surprising break up

A central premise of ethereum’s stability stems from the existence of only 1 established of digital guides, indicating you can not generate coins out of slender air. That ledger has to function, since the decentralized character of the blockchain usually means there is no rule keeper or lender that sits in the center of transactions to act as accountant.

Ethereum builders were rightly alarmed in August when the chain split for the reason that of a bug.

“This fork quickly produced two independent documents of transactions on the ethereum network – like parallel textbooks,” explained Matt Hougan, chief expenditure officer at Bitwise Asset Management, which developed the initially cryptocurrency index fund.

For a whilst, it was unclear whether or not the break up would direct to a “double-devote assault,” in which the identical token can be invested much more than at the time and transactions can be reversed, Hougan mentioned. Smart contracts overseeing billions of dollars in belongings could have also been at threat. Clever contracts permit persons to build apps on major of ethereum with self-executing code, getting rid of the need of third get-togethers to manage transactions.

These an assault would have been difficult to execute, due to the fact it was obvious which nodes have been on the suitable side of the break up and which have been not. “But in principle, there was a risk,” Hougan mentioned.

The excellent information for miners and exchanges is that most of them upgraded their software as advised and the situation was fixed reasonably swiftly, said Tim Beiko, the coordinator for ethereum’s protocol builders.

Auston Bunsen, co-founder of QuikNode, which delivers blockchain infrastructure to developers and providers, claimed it was a “responsibly disclosed vulnerability.”

“This is a reminder that blockchains in basic and ethereum especially are new and disruptive technologies,” Hougan reported. “They can do remarkable factors – settle $1 billion transactions in minutes and software cash like computer software – but they are not thoroughly mature.”

Bugs preserve occurring

When the software package programs do not chat to one another, it produces troubles for the community.

Bitcoin requires a quite distinct method. It depends on a highly secure software system for nodes to obtain the blockchain. Bitcoin builders have long sought to avoid challenging forks at all expenditures, so all variations in the main application are inclined to be decide in fairly than pushed out to people, in accordance to Carter.

“Ethereum prioritizes more rapidly growth, but that comes at the price tag of a far more fragile set of software program implementations,” Carter reported.

Some crypto industry experts attribute ethereum’s good results to its to start with-mover edge. Most NFTs and 78% of DeFi apps, or dApps, run on ethereum, in accordance to the web page State of The Dapps.

That’s beginning to alter, many thanks to the rising acceptance of rival blockchains. 

Even before this newest split in the blockchain, users were being complaining about ethereum’s significant congestion and substantial transaction service fees, which touched a record of $70 previously this year, and just this week, bounced from $20 to $46 and back down to $32. 

‘Ethereum killers’

At present-day costs, service fees continue on to drive some people absent.

They’re turning to blockchains like Cardano, a system utilised to create dApps, and Solana, whose native coin has risen virtually 4,800% considering the fact that September 2020. Introduced final yr, Solana is attaining traction in the NFT and DeFi ecosystems simply because it really is less costly and quicker to use than ethereum.

Solana processes 50,000 transactions per next, and its common expense for each transaction is $.00025, according to its web site. Ethereum can only tackle around 13 transactions per second and transaction costs are substantially extra pricey than on Solana. 

Institutional cash is flowing. Solana just shut a $314 million non-public token sale led by Andreessen Horowitz and Polychain Capital.

Investors who experienced been largely concentrated on ethereum “have been progressively diversifying their holdings to other cryptocurrencies, fueling substitute blockchains like Algorand, Solana and Cardano,” claimed Mark Peikin, CEO of Bespoke Advancement Partners.

Bunsen tells CNBC that though Solana is producing great strides in conditions of being a usable blockchain, it’s not yet decentralized enough to fulfill the more substantial crypto local community.

It can be also not immune to bugs. Last thirty day period, Solana endured a 17-hour outage adhering to a denial-of-services attack, which took the kind of a flood of transactions prompted by bots.

The checklist of so-identified as ethereum killers is extended, and consists of blockchains like Matic and Polygon, which are complementary to ethereum, according to Bunsen, as very well Cardano, which is recognized for its security.

“I believe some of these ethereum killers will make it,” claimed Bunsen. “But they will not destroy ethereum.”

Ethereum also has its have upgrade in the operates. For various decades, it is been developing ethereum 2., which is predicted to be completely ready by the initially quarter of 2022.

The makeover will go ethereum to a significantly less vitality-intense mining approach and, according to community founder Vitalik Buterin, could improve pace by over 7,000-fold to 100,000 transactions per next.

If it can be prosperous, Bunsen claimed, ethereum 2. will be a “big improve in terms of throughput to the ethereum network and a big win for the setting frequently.”

View: Here’s what the ethereum upgrade indicates for ether and miners

Source connection