Archive for Jessica Klein

Fungible: What the ‘F’ in NFT stands for and why it matters

Examples of fungible and non-fungible assets, including Bitcoin, Ethereum, and non-fungible assets like movie tickets, property, and cars
While fungible items are interchangeable with each other, non-fungible assets are unique.
  • Fungibility refers to an asset's ability to be exchanged for something else of equal value.
  • Some examples of fungible assets include currencies, commodities, and precious stones.
  • Non-fungible assets are unique, requiring much more complex valuation before a sale and include things like real estate, art, and sports cards.
  • Visit Insider's Investing Reference library for more stories.

Much has been made about the non-fungible token (NFT) movement. As an alternative to traditional art pieces, creators are making digital art and "signing" them using the Ethereum blockchain, ensuring each token is one-of-a-kind. These pieces of digital art are so popular, even the National Basketball Association and Major League Baseball have gotten into the game.

But what does "fungible" even mean?

What does fungible mean?

Fungible refers to items or commodities that can be exchanged with other assets or commodities of the same type. For example, currency is a fungible asset because it can be exchanged for other currencies, goods, or pay for services.

"Something that is fungible means that it's identical to another item and can be swapped or exchanged for that item without either participant in the swap losing any value," says Ian Kane, co-founder of blockchain based FinTech platform Unbanked. "If I give you a dollar and you give me a different dollar, we both still have $1 worth of spending power."

On the flipside, something that is non-fungible cannot necessarily be easily exchanged for something of equal value. Art and collectibles are often considered non-fungible because of their unique properties. Because only one original exists, it has a distinctive property that cannot be easily appraised or exchanged for something like it.

Understanding fungibility

In order to be considered fungible, an asset must have an agreed-upon value and be interchangeable with other items of similar value. Bitcoin is considered a fungible item because it has a measurable value across currencies, and can be bought and sold for equal value. Moreover, fungible assets can be broken up and sold in fractions, making it easier to exchange for other like-items.

"If you print 100 copies of the same photo, they become fungible; if we traded it, we would get the same thing in return (like a dollar bill)," says Gutter Dan, the co-founder of the NFT series Gutter Cat Gang. "On the same token, those 100 photos are not unique and could be duplicated or destroyed. With NFTs, the reverse is true: They cannot be duplicated or destroyed [because of the underlying] blockchain technology, and [because] each is purely unique."

Examples of fungible assets

We exchange fungible assets on a daily basis without thinking twice. When you buy groceries, get gas for your car, or go on a coffee run, you are exchanging cash for goods and services - or trading fungible items.

Some examples of fungible assets include:

  • Currency: Around the world and in the digital space, currencies can be cross-exchanged for one another at an agreed-upon market rate. United States Dollars can be exchanged for Euros, Japanese Yen, or Bitcoin in whole and fractional numbers.
  • Stocks and mutual funds: When investing in stocks and mutual funds, investors spend cash to get a financial instrument of the same value at the time of purchase. If a single share of a stock may cost $5.70, the buyer knows how much they need to spend in order to gain multiple shares, knowing it can be exchanged for cash in the future.
  • Precious metals: Gold and silver are traded daily at a market rate, assuring owners how much value they hold when it's time to buy. When it's time to sell, someone holding a precious metal can easily exchange it for cash based on the market rate, making it fungible.

Examples of non-fungible assets

As mentioned before, while fungible items are interchangeable with each other, non-fungible assets are unique. Therefore, they must be judged across multiple criteria. Some of the factors buyers and sellers consider include provenance (or who owned the item previously), how unique it is compared to others, and how the market for non-fungible assets have changed over time. In addition, non-fungible assets can not be broken up and sold in pieces: Its value is determined by the whole of the item. Some non-fungible assets include:

  • Real estate: Selling real estate requires a property to be evaluated across several different factors, such as how much comparative homes have sold for, the demand for properties in the area, and how unique the home is. Because the value is based on these evaluation points - like square footage, architecture, and interior features - real estate is considered non-fungible.
  • Trading cards: Although trading cards come in equally-priced packs, the actual contents may hold different values based on their condition, rarity, and composition. Modifiers like grading and autographs can drive the value higher. Therefore, the unique condition of trading cards make them non-fungible.
  • Non-fungible tokens: Non-fungible assets are not limited to digital tokens. Any one-of-a-kind item that cannot be directly traded for something of the same value can be considered non-fungible, ranging from family heirlooms, digital collectibles, or art collections. Non-fungible tokens hold value based on the rarity of the item and the community driving it, and no two NFTs are exactly alike.

Fungible vs. liquid

While some assets are fungible, they may not be liquid, which is different. Fungibility refers to whether an asset can be exchanged for a similar item of the same value, while liquidity refers to how easily an asset or security can be bought or sold on the secondary market.

"A liquid asset is something that is easily sold whereas a fungible asset is interchangeable but not necessarily easily sold," says Shaun Heng, vice president of growth operations and chief of staff at cryptocurrency tracking website CoinMarketCap. "An example of a fungible but non-liquid asset would be stocks of the same class in a company that is not on a public exchange. One common stock or one preferred stock is fungible for a stock in its same class. However, it may be hard to find a buyer for stocks in a private company."

While all liquid assets are fungible, not all fungible assets are liquid. If you cannot sell a fungible asset for value in short form, it isn't liquefiable.

Fungible

Liquidity

  • Holds inherent value that can be exchanged (like mutual funds)
  • Is interchangeable for similar items on the open market
  • May be a long-term asset that builds value over time
  • Can be easily traded without losing value (like currency)
  • Straightforward transactions: Pay a price to receive something in exchange
  • Value available in the short-term

The financial takeaway

Simply put, fungible assets are interchangeable because their value defines them. Think of currency, mutual funds, and even gasoline as fungible assets. By knowing how fungible assets work - and how they can play into your ultimate portfolio strategy - every investor can make smart decisions about how and where to invest in a combination of both.

Although there's a lot of excitement about digital artwork and non-fungible tokens, experts recommend investors take their time to carefully evaluate whether jumping into the space is right for their strategy. Before getting into any asset, it's important to research the rarity of items, understand the trends, and understand the potential risk and rewards.

"Whatever you are deciding to do, be sure you can take the risk," says Les Borsai, co-founder and chief strategy officer of registered investment advisor firm Wave Financial. "Don't spend what you can't afford to lose. Make sure you are buying what you researched. Just because the returns are aggressive and quick, it's key to understand what you are investing in before you do it."

Cryptocurrency is an electronic, private type of money - here's how it works and how you can invest in itDigital assets are becoming the new normal - here's how to buy cryptocurrencyBlockchain is a digital database used to store data for crypto transactions and other assets - here's how it worksReady to invest in Bitcoin? Here are 4 steps to get started
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7 sleepaway camp packing list essentials you can get on Amazon

If you buy through our links, we may earn money from affiliate partners. Learn more.

A hand holding a Zap It Bug Zapper at a campfire with s'mores
  • It's summer camp season.
  • If your kid is heading off to camp this summer, you'll want to make sure they're prepared with all the essentials.
  • We rounded up a packing list of products, some essential and some just plain fun, that you can get on Amazon in time for the first day.

Summer camp is right around the corner. If you or your child has put off packing until the last minute, you're not alone. Camp is loads of fun. Packing, not so much. But, you can't get to the summer camp fun without making sure your kid has everything they need for a great summer.

Related Article Module: Your ultimate guide to summer camping trips, including how to find a campsite and everything you need to bring

As former campers and camp counselors, we've packed many a camp suitcase. We know what kids will want in their trunks, from the classic options to some lesser-known but super practical purchases. We're going to share all of those products with you. Plus, everything is available on Amazon Prime, so if you and your child are cramming packing into the last-minute, you're in the clear. Keep reading to see our picks.

A misting fan
02Cool Deluxe Misting Fan on a white background

02Cool Deluxe Misting Fan, $13

A necessity for long days spent in the sun, this misting fan provides breezy air and a cool mist all in one. It's easy to carry around all day for cooling relief.

A compact fan
Vornado 573 Small Flat Panel Air Circulator Fan on a white background

Vornado Small Flat Panel Air Circulator Fan, $35

No air conditioning, no problem with this high-speed fan. It's small, but mighty and will provide plenty of cool air to get them through hot summer nights.

Check out our guide to the best fans.

A colorful laundry bag
2 Fiodrmy Tie Dye laundry bags on a white background

Fiodrmy Travel Laundry Bag, 2-pack, $13

A laundry bag will help make sure none of their clothes gets lost, or end up in a dirty pile under their bed. The rainbow tie-dye pattern seems totally camp-appropriate, but if that isn't really their style, these bags come in a variety of colors and designs.

Check out our guide to the best laundry baskets and hampers.

A water bottle
A pink and a blue Contigo Water Bottle on a white background

Contigo Water Bottle, 2-pack, $18

Hydration is essential to keeping kids happy and healthy while they're running around in the sun all day, every day. Since kids tend to lose things, we recommend sending them off with a pack of two water bottles just incase.

Check out our guide to the best water bottles.

A fly zapper
2 Zap It Bug Zappers in front of their box on a white background

Zap It! Mini Bug Zapper Racket, $30

This may not be essential, but your kid will definitely get some points when they show up with this gadget. Bugs are an inevitable part of overnight camp, but sometimes they just get to be too much. This is essentially a souped-up fly swatter that lets kids zap pests in just one swing.

Check out our guide to the best bug sprays and repellents.

A shower caddy
Attmu Mesh Shower Caddy filled with a bunch of bathroom essentials all on a white background

Attmu Mesh Shower Caddy, $11

Sharing a bathroom with multiple others means they can't just leave all of their products in the shower. They may even be showering in an outdoor shower. Whatever the case, they'll need a good shower caddy to tote essentials to showertime — this one is made of a quick-dry mesh so it won't get moldly.

Check out our guide to the best shower caddys.

An autograph pillow
The Camp Autograph Pillowcase with a Rainbow image on a white background

Autograph Pillows Camp Pillowcase, $18-$20

Making memories that'll last long past the summer is one of the best parts of camp. An autograph pillow makes for a fun activity and keepsake for young ones. This pillowcase comes with a black marker for signing — just stuff it with a pillow and pack it up!

Read the original article on Business Insider

9 of the best-selling beauty tools and accessories on Amazon

If you buy through our links, we may earn money from affiliate partners. Learn more.

Pur Botanicals Ice Roller

  • Amazon is a treasure trove when it comes to finding new products, but it can also be very overwhelming.
  • If you're looking for a specific beauty tool to try to amp up your routine or make your life easier, Amazon has a huge selection.
  • We rounded up 9 best-selling beauty tools you can buy on Amazon now.

The beauty industry is flush with tools and gadgets promising everything from smoothing skin to lifting eyebrows. While there are plenty of gems out there, there is a lot of noise too.

Sounds kind of like your favorite online store, huh? Yep, we're talking about Amazon. In any given category you'll find thousands of pages worth of products, ranging from eh to amazing.

Try looking up beauty tools on Amazon and you are sure to be shocked. There are so many products to sift through, many of which seem more like a funny experiment than a practical purchase. But with Prime two-day shipping, shopping on Amazon is tempting as ever.

The fix? This list. We've done the dirty work, so you don't have to spend hours scouring the site for the best new tools to try. We've handpicked some of the best-selling, top-rated beauty tools and gadgets on Amazon that really work. Ready to amp up your beauty routine? Keep reading to find our picks.

To accentuate eyes
Brilliant Beauty Eyelash Curler

Brilliant Beauty Eyelash Curler, $9

This ergonomically-designed eyelash curler makes it easy to get those hard-to-reach lashes without tugging, pulling, or breaking. This product comes with a satin bag to keep the curler safe, plus refill pads for when the current silicone one gets too dirty or falls out. 

To depuff dull skin
Pur Botanicals Ice Roller

Pur Botanicals Ice Roller, $15

Whether you wake up with a headache or puffiness, or both, this ice roller will do wonders. The icy chill feels amazing and gives skin a fresh-faced glow, plus the acupressure helps relieve any pain you may feel. 

To get a deep clean
Pixnor Facial Cleaning Brush

Pixnor Facial Cleansing Brush, $23

If you have a minimal beauty routine and always wash your face, good on you. If you are looking to up the ante and curate your cleansing routine to your specific needs, check out this cleansing brush. It comes with 7 different brush heads that help remove makeup, cleanse deeply, massage, and more.

To sculpt and soothe skin
Roselyn Boutique Jade Roller & Gua Sha Set

Roselyn Boutique Jade Roller & Gua Sha Set, $15

This set contains a jade roller and gua sha for the ultimate sculpting, soothing morning ritual. The gentle pressure helps promote circulation, the massage lifts and tones skin, and the cool jade feels lovely on puffy skin.

To open and unclog pores
Pure Daily Care 3-in-1 NanoSteamer

Pure Daily Care 3-in-1 NanoSteamer, $34

Clogged pores are no match for this set. The NanoSteamer opens pores, while the tools help remove impurities. 

To remove facial hair
Finishing Touch Flawless Hair Remover

Finishing Touch Flawless Hair Remover, $16

Keep your face fuzz-free painlessly and instantly with this easy-to-use hair remover. 

To blow dry hair
Revlon One-Step Hair Dryer

Revlon One-Step Hair Dryer, $42

We'd be remiss to make a list about the best beauty tools without mentioning the Revlon One-Step. It's a hybrid round brush-blow dryer that works wonders for getting a salon-style blowout in a pinch, and on a budget. It's no wonder it has grown a cult-like following over the years.

To exfoliate scalp
Heeta Scalp Massager

Heeta Scalp Massager, $8

Shampooing will never be the same after you try this scalp massager. The silicone bristles give your hair and scalp a really deep clean, exfoliating and relieving pressure while you wash. 

To flawlessly apply makeup
Beakey Makeup Sponge Set,

Beakey Makeup Sponge Set, 5-pack, $10

Use these makeup sponges to get a flawless finish with every makeup look. You can use the sponges wet or dry, with liquid or powder products too. 

Read the original article on Business Insider

9 of the best-selling beauty tools and accessories on Amazon

If you buy through our links, we may earn money from affiliate partners. Learn more.

Pur Botanicals Ice Roller

  • Amazon is a treasure trove when it comes to finding new products, but it can also be very overwhelming.
  • If you're looking for a specific beauty tool to try to amp up your routine or make your life easier, Amazon has a huge selection.
  • We rounded up 9 best-selling beauty tools you can buy on Amazon now.

The beauty industry is flush with tools and gadgets promising everything from smoothing skin to lifting eyebrows. While there are plenty of gems out there, there is a lot of noise too.

Sounds kind of like your favorite online store, huh? Yep, we're talking about Amazon. In any given category you'll find thousands of pages worth of products, ranging from eh to amazing.

Try looking up beauty tools on Amazon and you are sure to be shocked. There are so many products to sift through, many of which seem more like a funny experiment than a practical purchase. But with Prime two-day shipping, shopping on Amazon is tempting as ever.

The fix? This list. We've done the dirty work, so you don't have to spend hours scouring the site for the best new tools to try. We've handpicked some of the best-selling, top-rated beauty tools and gadgets on Amazon that really work. Ready to amp up your beauty routine? Keep reading to find our picks.

To accentuate eyes
Brilliant Beauty Eyelash Curler

Brilliant Beauty Eyelash Curler, $9

This ergonomically-designed eyelash curler makes it easy to get those hard-to-reach lashes without tugging, pulling, or breaking. This product comes with a satin bag to keep the curler safe, plus refill pads for when the current silicone one gets too dirty or falls out. 

To depuff dull skin
Pur Botanicals Ice Roller

Pur Botanicals Ice Roller, $15

Whether you wake up with a headache or puffiness, or both, this ice roller will do wonders. The icy chill feels amazing and gives skin a fresh-faced glow, plus the acupressure helps relieve any pain you may feel. 

To get a deep clean
Pixnor Facial Cleaning Brush

Pixnor Facial Cleansing Brush, $23

If you have a minimal beauty routine and always wash your face, good on you. If you are looking to up the ante and curate your cleansing routine to your specific needs, check out this cleansing brush. It comes with 7 different brush heads that help remove makeup, cleanse deeply, massage, and more.

To sculpt and soothe skin
Roselyn Boutique Jade Roller & Gua Sha Set

Roselyn Boutique Jade Roller & Gua Sha Set, $15

This set contains a jade roller and gua sha for the ultimate sculpting, soothing morning ritual. The gentle pressure helps promote circulation, the massage lifts and tones skin, and the cool jade feels lovely on puffy skin.

To open and unclog pores
Pure Daily Care 3-in-1 NanoSteamer

Pure Daily Care 3-in-1 NanoSteamer, $34

Clogged pores are no match for this set. The NanoSteamer opens pores, while the tools help remove impurities. 

To remove facial hair
Finishing Touch Flawless Hair Remover

Finishing Touch Flawless Hair Remover, $16

Keep your face fuzz-free painlessly and instantly with this easy-to-use hair remover. 

To blow dry hair
Revlon One-Step Hair Dryer

Revlon One-Step Hair Dryer, $42

We'd be remiss to make a list about the best beauty tools without mentioning the Revlon One-Step. It's a hybrid round brush-blow dryer that works wonders for getting a salon-style blowout in a pinch, and on a budget. It's no wonder it has grown a cult-like following over the years.

To exfoliate scalp
Heeta Scalp Massager

Heeta Scalp Massager, $8

Shampooing will never be the same after you try this scalp massager. The silicone bristles give your hair and scalp a really deep clean, exfoliating and relieving pressure while you wash. 

To flawlessly apply makeup
Beakey Makeup Sponge Set,

Beakey Makeup Sponge Set, 5-pack, $10

Use these makeup sponges to get a flawless finish with every makeup look. You can use the sponges wet or dry, with liquid or powder products too. 

Read the original article on Business Insider

7 repairing hair masks you can buy on Amazon

If you buy through our links, we may earn money from affiliate partners. Learn more.

Triple Brazilian Butter Hair Repair Treatment Hair Mask
  • Hair masks are a quick, easy, and affordable way to strengthen, smooth, and nourish hair without a trip to the salon for an expensive treatment.
  • We rounded up 7 top-rated hair masks you can buy on Amazon if you're looking to boost hair health and hydration stat.
  • You can also read our guide to the best hair masks for tips on what to look for, as well as some of our favorites.

Keeping hair shiny and smooth takes some effort. Between coloring, heat-styling, and even the weather, life takes its toll on your strands. Luckily, there's a solution: hair masks. When plain old conditioner isn't cutting it, a hair mask is an easy way to give your locks some extra love from the comfort of your own home.

Whether you're looking to strengthen strands, restore hydration, stop frizz, or fix breakage, there's a hair mask out there for you. So say goodbye to dry and damaged and keep reading for some of the best-selling hair masks on Amazon that'll repair those strands and bring your locks back to life.

A toning hair mask for blondes
Bold UNIQ Purple Hair Mask

Bold Uniq Purple Hair Mask, $30

If your goal is to keep color-treated blonde hair looking good as new, go for a toning hair mask. This one has a purple tint that removes brassy and yellow tones, which extends the life of your blonde post-salon. The hydrating formula is filled with oils to nourish and strengthen as well, as coloring can be hard on your tresses.

A replenishing hair mask with a clean formula
Amika soulfood nourishing mask

Amika Soulfood Nourishing Mask, $28

Treat your hair to weightless hydration and shine with this weekly deep conditioning treatment. It leaves hair soft, shiny, and bouncy. The clean, cruelty-free formula is gentle on hair and body, but sure to leave hair soft, shiny, and bouncy.

A reparative mask for damaged strands
Triple Brazilian Butter Hair Repair Treatment Hair Mask

Sol de Janeiro Triple Brazilian Butter Hair Repair Treatment, $36

Mend split ends and moisturize strands with a trio of brazilian butters: cupuacu, murumuru, and tucuma. Reviewers say there hair was noticeably smoother after just one use. Dare we say, it'll make those strands soft as butter.

A top-rated argan oil mask
Professional Series Hydrating Argan Oil Hair Mask

Arvazallia Hydrating Argan Oil Mask, $13

For soft, silky strands you'll want a formula full of fatty acids, vitamins and nutrients, just like this argan oil hair mask. The simple formula works well on all hair types.

A deep conditioning mask for dry hair
ecoLove Deep Condition Hair Mask

EcoLove Deep Conditioning Hair Mask, $18

This deep conditioning mask gives dry hair a major boost of hydration. The formula is made with organic vegetable extracts, enriched with Dead Sea water, and essential oils to restore hair's natural texture and shine.

A conditioning argan oil mask
Artnaturals Argan Oil & Aloe Hair Mask

Artnaturals Argan Oil & Aloe Hair Mask, $13

Hair breakage is a huge obstacle to hair growth. When hair is dry, damaged, and breaking off, it makes it difficult for hair to grow longer. If you're looking to repair hair and promote growth, try turning off the hot tools and adding in a nourishing hair mask like this one to nourish tresses. This mask is filled with argan oil, aloe vera, keratin, and jojoba oil which hydrate, strengthen, and repair stressed strands.

A hair mask to revive lifeless hair
Briogeo Don't Despair, Repair

Briogeo Don't Despair, Repair! Deep Conditioning Mask, $36

Strengthen damaged hair and prevent future damage with this deep conditioning mask from Briogeo. With rosehip oil to control frizz and boost hydration, algae extract to protect strands and scalp from free-radical damage, and vitamins to nourish hair from heat and chemical damage, this formula gives you everything you need for healthy, shiny locks.

Read the original article on Business Insider

9 ways to get a sunless tan this summer

If you buy through our links, we may earn money from affiliate partners. Learn more.

St. Tropez Self Tan Purity Bronzing Water Face Mist
  • Looking to get a summery glow without the sunburn?
  • Self-tanners are a safe, healthy way to get that sun-kissed look without the sun.
  • We've rounded up some of the best self-tanners you can buy on Amazon.
  • From mousses to sprays, we've covered it all. Keep reading to find 9 of our picks, that work for all different skin types and budgets.

Self-tanner is a quick, safe, and (sometimes) easy way to get a sun-kissed glow without spending hours under the sun's harmful UV rays or in an equally skin-unfriendly tanning bed.

All self-tanners work differently: some give skin an immediate bronze boost while others develop more gradually. While they should work easily, some self-tanners can be sticky and hard to apply evenly. And, let's face it, a streaky self-tan looks far from natural.

From lotions to wipes to mousses, there are so many self-tanner options out there. We've done the heavy lifting to find the best self-tanners that will leave your skin glowy and streak-free. Keep reading for 9 products that'll give you a healthy glow fast. Plus, they're all available on Amazon Prime, so they'll get to you even faster than you could get out for a weekend laying on the beach.

Skinerals Sunless Tanning Mousse
Skinerals Onyx Extra Dark Self Tanner

Skinerals Onyx Extra Dark Sunless Tanning Mousse, $27

This lightweight, non-sticky mousse gives your face and body a natural glow that'll last for a whole week. The green-based formula ensures your skin is free of that orange, fake tan look.

Coco & Eve Bali Bronzing Foam
Coco & Eve Tanning Mousse

Coco & Eve Sunny Honey Bali Bronzing Foam, $35

With a delicious tropical scent and three natural shades to choose from, Coco & Eve's Bronzing Foam truly gives you that just-got-back-from-Bali bronze. The formula is packed with nourishing botanicals and amino acids. Featuring the brand's proprietary Cellushape technology, this product firms and hydrates while it darkens.

Coola Sunless Tan Dry Oil
Coola Organic Sunless Tanner Spray

Coola Organic Sunless Tan Dry Oil Mist, $46

For a seamless application and gradual glow, go for this fine mist from Coola. Just spritz the oil over your body, rub into skin, and you're done. The mist makes for a streak-free tan and the formula (enriched with argan oil, aloe vera and hibiscus) gives skin a boost of hydration to make you truly glow.

Jergens Natural Glow Daily Moisturizer
Jergens Natural Glow Daily Moisturizer

Jergens Natural Glow Daily Moisturizer, $14

This product has been a drugstore self-tan favorite for years now, and for good reason. If a gradual, buildable bronze is what you're looking for, the aptly-named lotion is for you. Just use it in place of your regular daily moisturizer to get that subtle glow.

Loving Tan 2-Hour Express Bronzing Mousse
Loving Tan 2 Hour Express Bronzing Mousse

Loving Tan 2-Hour Express Deluxe Bronzing Mousse, $40

With a salon-inspired formula, you know this is going to be the real deal. This bronzing mousse develops in just two hours. Apply, let dry, rinse, and you're ready to show off that sun-kissed glow.

St. Tropez Self Tan Face Mist
St. Tropez Self Tan Purity Bronzing Water Face Mist

St. Tropez Self Tan Purity Bronzing Water Face Mist, $30

While there are plenty of great self tanner options out there, not all are made for the delicate skin on your face. This St. Tropez Face Mist goes on clear, is infused with hyaluronic acid for ultimate hydration, and has a gentle formula that won't block pores or cause acne. It's the perfect way to add some sun-free color to your summer skincare routine.

Beauty by Earth Self Tanner
Beauty by Earth Self Tanner

Beauty by Earth Self Tanner, $31

This moisturizing lotion loaded with shea butter and aloe vera keeps your skin supple, smooth, and straight-up glowy. We love the clean formula; it's paraben-free, phthalate-free, and has no questionable chemical-based active ingredients.

Vita Liberata Self Tanning Gradual Lotion
Vita Liberata Advanced Organics Self Tanning Lotion

Vita Liberata Advanced Organics Self Tanning Gradual Lotion, $16

This hydrating lotion goes on clear, so you can use it in the morning and then get dressed without worrying about staining your clothes. Major self-tanning win. The brand recommends applying it with a mitt for a streak-free glow.

Fake Bake Flawless Coconut Tanning Serum
Fake Bake Flawless Coconut Tanning Serum

Fake Bake Flawless Coconut Tanning Serum, $33

Give your skin some love and color with this nourishing formula filled with coconut oil, hyaluronic acid and silk amino acids. The lightweight serum is easy to apply, just use the included gloves, and dries quickly.

Read the original article on Business Insider

Walmart’s grocery delivery service saves its users time and money

This story was created by the Insider Reviews Team in collaboration with Walmart+. We earn money from our partners. Learn more.

Walmart Grocery substitutions

  • Walmart makes ordering groceries online for delivery or pick-up a snap, saving its users time and money.
  • Walmart+ subscribers can receive free delivery on orders over $35, bypassing a $7.95-$9.95 delivery fee.
  • Express Delivery orders require a flat-rate $10 fee for Walmart+ users, while general Walmart shoppers pay an additional $7.95-$9.95.
Monthly Subscription (small)

There are certain groceries we all find ourselves needing to restock with startling regularity. There's never milk in the fridge when you need it - or eggs, low-fat Greek yogurt, or cream cheese. One second you have a whole loaf of bread, and the next, you can't even make toast for breakfast. These staples are the ideal groceries to get from a grocery delivery or pick-up service.

If you're unfamiliar with using a grocery service it may seem daunting, but Walmart has been doing curbside pick-ups since 2013 and has streamlined the process to work seamlessly with their customers' busy schedules. Once an order is created, users have the next several hours to make changes - useful for those last-minute additions that can make or break dinner plans.

How to order groceries with Walmart

Orders can be placed online, or by using Walmart's mobile app. Shoppers are then able to choose the hour-long time slot that best fits their availability to pick up their order - these slots open early and don't close until later into the evening.

Walmart Grocery pickup app

Once the order is confirmed, all you need to do is arrive within the one-hour window to let Walmart's staff load your car up with your groceries. If you find yourself unable to arrive during the time slot, you'll still be able to pick up your order on the same day until Walmart closes. This service is available for free to all Walmart customers, with no restrictions beyond a $35 order minimum.

Delivery works in a similar way, but depending on the specifics of how you order, delivery can have a variable fee. For Walmart+ members regular delivery is free, while Express Delivery is just $10. For those who have not subscribed, delivery costs between $9.95 and $19.95 depending on if the order is regular or express. Until very recently, all deliveries had a $35 minimum to place an order - but as of this March, Express Deliveries no longer have a minimum.

By allowing users to save Favorite and Future shopping lists, Walmart makes it incredibly simple to customize and order the basics in just a few minutes. The ease of ordering, combined with the time saved by having groceries either delivered right to your door (or picking them up at your convenience without even going inside the building), can be very significant for anyone running on a tight schedule. Walmart estimates that its delivery/pick-up service will save an average of 2.5 hours a week for a family making 3 trips to the grocery store - after only one month of use that adds up to an extra 10 hours of time saved.

Walmart Delivery Lists
Walmart Delivery Lists

Pros and cons of Walmart's grocery delivery service

While the most obvious perk is the time this service saves users, it can also help save money. By not walking through aisles of tempting purchases, it's much easier to avoid buying the newest intriguing flavor of Oreo, and to double-check if you actually need to get another can of tomato paste.

For anyone who makes less than one trip to the grocery store a week, paying for a Walmart+ subscription may not be worth it, especially when Walmart offers free pick-up. But if you're planning on getting groceries delivered more than twice a month that's already $19.90 in delivery fees alone, compared to the $8.15 you'd pay monthly for an annual Walmart+ subscription.

Ordering groceries is in no way meant to replace the joy of visiting a farmer's market and determining which eggplant speaks to you. So for a foodie or picky shopper, Walmart's grocery services may not be the right fit. But for busy parents, tight budgeters, party planners, strict dieters, or anyone who doesn't want to deal with carrying heavy, bulky groceries themselves, it can be a game-changer. Just a few minutes spent on Walmart's app can easily free up hours a month, something we can all use more of.

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9 of the best skincare products you can get on Amazon for $20 or less

If you buy through our links, we may earn money from affiliate partners. Learn more.

Mizon Under Eye Collagen Patches Eye Masks
  • It's no surprise that Amazon has a robust selection of skincare products.
  • From serums to tools, Amazon has everything you need to keep skin glowy and fresh, and for a good price.
  • We rounded up 9 top-rated skincare products you can find on Amazon for $20 or less.

When you need something in a pinch, you go to Prime. With fast, free shipping Amazon makes it too easy to get what you need when you need it. This is particularly useful when it comes to skincare products. Ran out of lotion? Restock quickly on Amazon. Need to get rid of that pimple before a big event? Get a pimple patch on Amazon just in time for the big day.

Related Article Module: 27 of the highest-rated skincare products on Amazon - and why people love them

Amazon has a huge selection of skincare products, many of which are very affordable too. It's easy to get sucked into the black hole that is the retail giant's website, but luckily we did the heavily lifting for you. We've been through pages (and pages and pages) of Amazon skincare products and handpicked some of the best, all for $20 or less. Keep reading to see our picks for an affordable upgrade to your skincare routine.

A cooling face roller
Kitsch Ice Roller

Kitsch Stainless Steel Ice Roller, $13

There's nothing like the cool touch of an ice roller to really wake you up in the morning. Beyond giving an energizing feeling, this ice roller helps brighten complexion, reduce puffiness, and calm redness. Keep it in the fridge or freezer for a chilly massage whenever you need an invigorating boost.

Check out our guide to the best jade rollers.

A multi-purpose skin oil
Bio Oil Skincare Oil

Bio-Oil Skincare Oil, $12

Packed with vitamins and minerals, this non-greasy oil promotes the formation of new collagen and skin regeneration. It moisturizes and helps improve the appearance of uneven skintones, stretch marks, and scars. It's formulated for all skin types and dermatologist-recommended for its non-comedogenic formula.

Check out our guide to the best facial oils you can buy.

A gentle micellar water
Bioderma Micellar Water

Bioderma Sensibio H20 Micellar Water, $15

This cult-favorite micellar water is a gentle, oil-free way to cleanse skin and remove makeup. Soak a cotton pad with the solution and wipe across face for fresh, clean skin — no rinse necessary!

A cleansing clay mask
Aztec Secret Healing clay

Aztec Secret Indian Healing Clay, $10

Arguably one of the most popular beauty products on Amazon, the Aztec Secret Healing Clay Mask is well-loved for its abilities to draw impurities out of the skin for a clearer complexion. To top it all off, it's a really affordable addition to your skincare routine at just $10 a tub.

Check out our full review of the Aztec Secret Healing Clay Mask.

A pack of pimple patches
Mighty Patch
Left: Mighty Patch Original. Right: Invisible+ Mighty Patch.

Mighty Patch Original Spot Treatment, 36-count, $12

Mighty Patch makes our favorite pimple patches out there. The simple hydrocolloid patches stick to your blemishes and draw out excess water and fluid, while also providing a barrier to stop you from picking at your skin. Just pop one on your pimple before bed to calm blemishes by morning time.

Check out our guide to the best pimple patches.

A brightening vitamin c serum
TruSkin Vitamin C Serum

TruSkin Vitamin C Serum, $20

A great vitamin C serum nourishes skin, brightens dark spots and hyperpigmentation, and smoothes fine lines. While many serums can run you a pretty penny, the TruSkin Vitamin C Serum is an affordable way to boost radiance and fight free radicals. Don't just take it from us: this product has racked up almost 50,000 5-star ratings on Amazon alone.

Check out our guide to the best vitamin C serums.

A gentle cleanser
CeraVe Foamin Facial Cleanser

CeraVe Foaming Facial Cleanser, $16

A great cleanser is an essential to any skincare regimen, but you don't need to spend a lot to get the job done. Over 25,000 Amazon shoppers agree that this CeraVe option is well worth the price. It uses ceramides (lipids naturally found in the skin that keep the skin healthy and intact) to cleanse skin without stripping it of its natural oils and maintaining its natural barrier.

Check out our guide to the best facial cleansers.

A pack of soothing eye patches
Mizon Under Eye Collagen Patches Eye Masks

Mizon Under Eye Collagen Patches, 60-count, $16

Tired eyes deserve the VIP treatment, like these gold eye patches. The essence on the patches contains snail slime, 24K gold, and peptides to hydrate, moisturize, and reduce puffiness. Put the patches on clean skin for about 20 minutes and let the essence melt into your skin. Many happy reviewers recall how much these patches rejuvenate their delicate undereye area.

An ultra-moisturizing body cream
Vanicream Moisturizing Cream

Vanicream Moisturizing Cream, $16

This gentle, yet rich cream can be used on your face, hands, or body. The fragrance-free formula has the National Eczema Association Seal of Acceptance, so it's suitable for even the most sensitive skin.

Check out our guide to the best moisturizers for dry skin.

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10 gray chairs you can find on Amazon

If you buy through our links, we may earn money from affiliate partners. Learn more.

Ball & Cast Accent Chair, Gray
  • Gray furniture goes with just about every design style.
  • If you're looking for a gray chair, we've got you covered.
  • We handpicked 10 gray chairs from Amazon for different budgets and design styles.
  • If you prefer a different color, check out our roundup of red, blue, white, or leather chairs, all available on Amazon.

While simple, gray does not have to be boring. Somewhere in between white and black, gray is a simple neutral color. With such a wide range of shades, gray furniture can tone down a colorful spot or add dimension to a sterile white room.

Given how popular gray accents are, it's no wonder Amazon has a plethora of chic, cozy, and sleek gray chairs. Whether you're looking for a minimal dining chair, plush reading nook, or a modern accent chair for your living room, we can bet Amazon has something for you. We rounded up 10 gray chairs you can find on Amazon. Our picks work for all different budgets, design styles, and rooms. Keep reading to see our favorite gray chairs below.

An office chair in multiple shades of gray
Steelcase Leap Office Chair, Gray

Steelcase Leap Fabric Chair, $955

This office chair has an ergonomic design that'll make sitting for hours more bearable. Choose from light gray, dark gray, or a gray leather.

Check out our guide to the best office chairs.

A set of velvet dining chairs
Meridian Furniture Karina gray dining chairs

Meridian Furniture Contemporary Dining Chairs, set of 2, $245

Add a contemporary touch to your dining setup with these sleek velvet chairs. With the option to choose from a chrome or gold base, you can be sure you'll find a finish that'll match your room perfectly.

Check out our guide to the best dining chairs.

A cozy reading chair
Stone & Beam Highland Modern Wingback Chair, Gray

Stone & Beam Highland Modern Wingback Chair, $538

The timeless wingback chair gets a modern update with clean lines, minimalist design, and a thick, woven fabric. The dark gray makes a dramatic statement in a light, airy room.

Check out our review of the Amazon private-label brands Rivet and Stone & Beam.

A tufted accent chair
Rivet Cove Gray Living Room Chair

Rivet Cove Mid-Century Modern Accent Chair, $471

Add some depth to an all-white room with this light gray piece. The simple mid-century modern silhouette and light hue keep the room bright and airy while adding some textural dimension.

An architectural accent chair
Pulaski Wood Frame Accent chair, Gray

Pulaski Faux Leather Accent Chair, $320

Mixing materials like leather (even if it's faux) and wood is sure to add some intrigue to your space. That's why we love this chair. If you don't love the leather, it also comes in a gray geometric-patterned fabric.

An overstuffed recliner
Bonzy Leather Recliner, Gray

Bonzy Home Overstuffed Faux Leather Recliner, $332

With a deep cushion and overstuffed back, this recline is really the perfect chair to just sink into and relax.

A classic accent chair
Rivet Aiden Tufted Accent Chair, Gray

Rivet Aiden Mid-Century Modern Chair, $583

To create a living room that feels really inviting, you'll want some nice, comfy seating. We love this big accent chair, which comes in a light and dark gray fabric. 

A modern velvet chair
Rivet Frederick Living Room Chair, Gray

Rivet Frederick Willard Tufted Velvet Living Room Chair, $658

This elegant accent chair mixes texture, color, and shape for a truly unique feel. Somehow it feels super retro and contemporary, making it easy to fit in all sorts of spaces.

A set of vintage dining chairs
Roundhill Furniture Leather Dining Chairs, Gray

Roundhill Furniture Dining Chairs, set of 2, $90

This dining chair duo has a vintage, worn-in feel. While they are faux leather, they're super affordable and reviewers note they feel very durable as well. 

A retro accent chair
Ball & Cast Accent Chair, Gray

Ball & Cast Accent Chair, $216

In just a few minutes you can assemble this chic, stylish piece. The gray fabric has a unique texture giving it a heathered look.

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10 white chairs you can find on Amazon

If you buy through our links, we may earn money from affiliate partners. Learn more.

Belleze Nailhead Faux leather chair, white
  • While it shows stains easily, white furniture is so versatile.
  • White furniture can make a small space look bigger and it can be accented to fit a variety of different design styles.
  • We handpicked 10 white chairs from Amazon for different budgets and design styles.
  • If you prefer a different color, check out these red, blue, or leather chairs all available on Amazon.

For years, I was scared of investing in white furniture. As an often clumsy person, I figured that white furniture would be too much of a risk. While I did not give up my coffee-drinking, blue ink-scribbling, and spaghetti sauce-eating habits, I did finally give in and buy white furniture.

A white room is truly a blank canvas for all of your interior design dreams. White furniture can help a small room appear bigger. An all-white color scheme gives a room a bright, airy, peaceful feel. White furnishings can even add a contemporary accent to a rustic warm-toned space. The gist is, you truly can't go wrong with white furniture. You will want to be careful and mind your surfaces; I'd suggest choosing easy-to-clean materials. If you're looking for some clean, white accents to brighten up any room in your space, we've got you covered. We rounded up 10 white chairs you can find on Amazon right now. Our picks feature pieces that work for all different budgets, design styles, and rooms. Keep reading to see our favorite white chairs below.

An ergonomic office chair
Steelcase Leap Office Chair

Steelcase Leap Fabric Chair, $999

This office chair has an ergonomic design that'll make sitting for hours more bearable. Choose from a bright white or a soft cream.

Check out our guide to the best office chairs.

A plush velvet chair
Chairus Living Room Chair, white

Chairus Living Room Chair, $166

An eye-catching seashell silhouette and shiny gold legs make for a modern, unique look. Filled with a cozy, thick padding, you'll want to sit on this thing for hours.

A minimalist dining chair
Flash Furniture white chair

Flash Furniture Elon Series Plastic Chair, $54

A molded white seat and geometric wooden legs make for a versatile, chic accent chair. Use it as a dining chair, desk chair, or as a chic accent to an entryway.

A glam accent chair
Belleze Nailhead Faux leather chair, white

Belleze Mid-Century Modern Accent Armchair, $136

This wide club chair is a cozy place to chill out. The faux leather and studded detailing make it look just as chic as the real deal.

A timeless living room chair
Stone and Beam Wingback Chair, white

Stone & Beam Tufted Wingback Chair, $379

This chair has a contemporary yet classic silhouette. The light fabric and tufted-stitching would look great covered in some colorful pillows for a more eclectic living room or with some earthy accessories for more of a farmhouse vibe.

Check out our review of the Amazon private-label brands Rivet and Stone & Beam.

An airy linen armchair
Wahson Mid Century Modern Armchair, white

Wahson Mid-Century Modern Armchair, $240

Whether you're going for a rustic, eclectic, or farmhouse vibe, this chair is the perfect addition to your space. The light linen upholstery and wooden frame feel simple and chic.

A sleek office chair
Flash Furniture White Leather office chair

Flash Furniture LeatherSoft Office Chair, $136

A white leather office chair feels like a bit of an upgrade from a basic fabric one. This chair comes in a mid- or high-back silhouette, with leather upholstery and either a gold, chrome, or rose gold frame.

A comfy recliner
Great Deal Furniture White Recliner Club Chair

Great Deal Furniture Teyana Recliner Club Chair, $290

Chill out, relax, and recline on this cozy leather chair. It's the perfect spot to take a midday nap, watch Netflix, or read a good book.

A set of casual patio chairs
Yahteech Metal Outdoor White dining chairs

Yaheetech Stackable Coffee Chairs, set of 4, $130

These simple metal chairs have a rustic feel and are durable enough to withstand the elements, making them an easy choice for poolside dining or a cup of coffee on the deck.

Check out our guide to the best places to buy patio and outdoor furniture online.

A set of simple wooden chairs
Safavieh White Spindle Side Chairs

Safavieh Farmhouse Spindle Side Chairs, set of 2, $135

These bright, spindly wooden chairs feel so classic. From a minimalist space to a maximalist one, these chairs fit right in. Plus, they're easy to assemble.

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