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  • Jumping Off The Page With Studio Kokaachi — From Comics To Credit Sequences

    Jumping Off The Page With Studio Kokaachi — From Comics To Credit Sequences

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    Screen + Sound + Stage


    Text by Prachi Sibal. Photographs by Rose Tommy.

    Tina and Pratheek Thomas at their workspace in their Kochi home.

    Tina and Pratheek Thomas were born on the same day, four years apart. And this is just one of the many coincidences that ties them together. Both storytellers at heart, the two first exchanged glances while furiously scribbling away in their individual notebooks on a train journey from Bengaluru to Kochi in 2010. At the time, she was writing a script for a television show, he was working on a comic book. They would get married in the following year.

    By happenstance, their small venture, a comic book publishing house, was launched on February 14, 2014. They called it Studio Kokaachi, after a not-so-beloved monster that is part of Malayalam folklore — and who they were introduced to as children. Both Tina and Pratheek maintain that the kokaachi has been misrepresented in popular culture and, in reality, is not a scary monster as it is commonly believed. And they have taken it upon themselves to spread word about this little-known aspect of the imaginary monster’s personality.

    The kokaachi monster forms the logo for Studio Kokaachi.

    Studio Kokaachi isn’t Pratheek’s first brush with the world of comic books. A comic book fan through his childhood years, he graduated from NID (National Institute of Design), Ahmedabad and went on to work at ISKCON (International Society for Krishna Consciousness) in Bengaluru. “I was working with the design wing and was involved in a project pertaining to country-wide theme parks that were to have Krishna as a central character,” he says. An unfortunate layoff and months without a job back in 2008 led him to embrace his first love, storytelling.

    Manta Ray Comics — a partnership with friend and fellow comic book nerd Dileep Cherian — was thus born, with its first book Hush coming out in January 2011. “My brother is an ad film-maker and he had an idea for a short film. I wanted to adapt it into a comic so he could pitch it to producers,” Pratheek says about the first title.

    In 2012, when Tina was working at Wipro in Bengaluru, she recalls Manta Ray being “like the baby at home”. Her first comic strip appeared in The Small Picture, a weekly contribution by Manta Ray Comics in Mint, in the same year. Commenting on social and cultural issues, it ran for more than three years.

    The cover of Mixtape Vol. 2 that was republished by Studio Kokaachi in 2014.

    Incidentally, it was with this outing that Manta Ray first gathered acclaim; helmed by Cherian, it stood out particularly for its simplistic out-of-the box themes and artworks. In a market saturated with mythological and superhero tales, this was genre-bending.

    Manta Ray published Mixtape Vol. 1 in April 2013 — it comprised four individual black-and-white graphic narratives, illustrated by a mix of upcoming and well-known artists. Each was priced at a mere 55 rupees for the digital version. Mixtape Vol. 2 — in a similar format — followed at the end of the year: the outcome was five short stories revolving around eclectic narratives; these included a man chasing a pickpocket, a biting satire on social media and a tale of love gone wrong.

    But the couple soon realised that creating and publishing comic books isn’t easy money. It did, however, lead them to a different — and more lucrative — industry, one that they had never imagined trying their hand at.

    Onto The Silver Screen

    Left to Right: the Mixtape series; a collage of frames from the animated sequences in the 2015 Tamil film OK Kanmani and its 2017 Hindi remake OK Jaanu.

    The launch of Manta Ray’s Mixtape Vol. 2 at Malayalam film-maker Aashiq Abu’s Cafe Papaya in Kochi led to an offer by Abu, who was keen on collaborating with the duo for his 2014 Malayalam film Gangster. Calling themselves Studio Kokaachi now, their first steps into the world of films led to a whopping 11 minutes of animation that covered the prologue and the climax.

    “Aashiq Abu also wanted us to write screenplays for a new project. It didn’t end up happening but we had already moved to Kochi from Bengaluru, to work with Abu,” recalls Tina. Studio Kokaachi’s first comic Mixtape Vol. 3 would only be published in October 2016. This would be followed by An Autobiografly, an autobiography of a housefly, and the accordion-style Matchbox Comix Vol. 2. The large gaps between releases is attributed to their ventures being self-funded.

    For Mani Ratnam’s Tamil film OK Kanmani (2015), Studio Kokaachi created both 2D and 3D animated game sequences that supported the protagonist’s — a gamer — character arc as well as the 2D end credits. For the Hindi remake OK Jaanu (2017) the 3D sequences were done in collaboration with Splat Studio, and the 2D sequences with Dreamcatcher Studios, while the opening credit sequences were created in collaboration with Plexus Motion.

    A work in progress: pages from Sound Of Her Silence, one of the stories in the yet-to-be-released Mixtape Vol. 4.

    Soon after, actor Neil Bhoopalam discovered Mixtape Vol. 1 at a cafe in Goa. He showed it to director Akshat Verma, who was interested in making a graphic novel based on their upcoming film, Kaalakaandi (2018), also starring Saif Ali Khan, as publicity material for it. Although it did not materialise, Studio Kokaachi was roped in for the film’s title sequence in 2017.

    Breaking Into OTT

    Gully Boy (2019, on Vimeo): the opening titles by Studio Kokaachi

    Tina and Pratheek stepped into the OTT title credits space with Lust Stories, the 2018 Netflix anthology produced by Ronnie Screwvala’s RSVP Movies and Ashi Dua’s Flying Unicorn Entertainment. Since then they have created the title credits for six more productions for Netflix — the Tamil limited-edition anthology film Paava Kadhaigal (2020), the Hindi-Telugu bilingual Pitta Kathalu (2021) and the Hindi-language productions, Ghost Stories (2020), Ankahi Kahaniya (2021), Ajeeb Dastaans (2021) and the recently released Lust Stories 2. “For both the Lust Stories, we used elements from the various films and stitched a narrative for the title credits. We tried to evoke the mood — the world and the characters are what we can play around with. Paava Kadhaigal comprises four short films about honour killing and the title credits give you a glimpse of the mood that lies ahead. The films were very dark. The opening credits feature the journey of a woman from birth to motherhood. We connected all the illustrations using the colour red. Red plays an important part in a girl’s life — from menstrual blood to sindoor and the wedding sari,” says Tina.

    Film-maker Zoya Akhtar initially reached out to them to animate the logo for Tiger Baby Films, her production house that was launched in 2019 with Gully Boy, and then asked if they would do the title sequence for the film as well. “When we got called for Gully Boy we did not realise how big it was,” says Tina.

    Left to Right: a shortlist of title fonts for Gully Boy; the ideation notebook for the film’s title sequence.

    From animated sequences in OK Kanmani and Abu’s Gangster to animated typography in Gully Boy, their repertoire was steadily expanding. Gangster had a graphic novel-inspired style. OK Kanmani has stylised, game sequence-like animation. Lust Stories has a minimal design style. They’ve also done the animated logo for a Hollywood studio that hasn’t been released yet.

    Despite the increase in the scope and quantity of their work, Studio Kokaachi is still just made up of Tina and Pratheek. Graphic designers, illustrators, artists and animators come on board based on the demands of the projects they take on. Their office premises have remained shut since the pandemic. The couple now works out of their home where they live with their four rescue dogs. “Both of us are writers and storytellers, we are not illustrators or animators. We conceptualise, write and provide the necessary direction to the projects, and collaborate with animators and artists for the rest of our needs,” says Pratheek, adding that they have gone from working with animation studios to now also handpicking freelance artists for specific projects now. “We work with studios or freelancers based on the volume of work. OK Kanmani and Gangster were exceptions where we were going beyond our mainstay — title credits — and creating longer animation sequences. We needed studio support to render them within our three-month deadline.”

    Tina with sketches for A Thousand Years, an upcoming comic book.

    Standing Out In The Clutter

    Cracking a concept for a film or series remains their biggest challenge and can take weeks. Not everyone wants animation in the title sequence or is willing to share footage from the film for the same. “For The Empire, the Disney + Hotstar web series, we presented 10 concepts, and all of them were rejected by the makers. We had run out of ideas and then at midnight, I wrote down the word “Empire” on a blackboard. The word has six letters and there were six Mughal emperors. It was like an epiphany,” says Pratheek about the credit sequence where silhouettes of the faces of six Mughal emperors turn to reveal the title of the series.

    Studio Kokaachi hopes to veer in a new creative direction with every project, but they choose to steer clear of live action. The credits for the Indian Modern Love anthologies, which premiered on Amazon Prime in 2022, played with stock images, while those for Rocket Boys (2022-’23) were hand-drawn with minimal animation, a huge departure in style from their earlier work. “We don’t have the skill set for live action and it makes no sense for us to outsource it,” he says. “The other challenge is dealing with production houses that come to us without understanding the limitations of our field. For example, given that they were hand-drawn, we could replicate Jim Sarbh and Ishwak Singh’s facial features only to a certain extent,” they say, referring to the Rocket Boys opening credits.

    But this SonyLIV web series turned out to be their big break. “With Lust Stories, people noticed us but we didn’t get calls for too many projects. But when actors began to tag us on social media after Rocket Boys, there was a sudden explosion of interest,” Pratheek explains. Their work had now reached critical mass.

    Left to Right: Pratheek at work; his writing desk.

    “We don’t quite know how it happened but we have somehow become synonymous with title sequences. We are not in Mumbai. We don’t go out and pitch. We are not very active on social media –– we are not even on WhatsApp,” he says, adding that the conceptualisation and execution of title sequences as mini films are in sync with their basic skill set as storytellers.

    In their seventh year of creating title sequences, Studio Kokaachi is awaiting the release of their 25th project, Pippa, a film set during the 1971 Indo-Pak war. Then there’s Shiladitya Bora’s Bhagwan Bharose, the 25th UK Asian Film Festival’s closing film, which bagged the Best Film award in May. “We’ve also created an animated logo for Earthsky Pictures (Ashwiny Iyer Tiwari and Nitesh Tiwari’s production house),” says Tina.

    The Art Of Credit Sequences

    Pratheek’s page layouts for Hush.

    Title sequences in Indian films have incorporated — from animation, handwritten slides and catchy music for aeons now. They have been a way to keep audiences entertained.

    In earlier times, the tone, music and text often conveyed the emotion of the upcoming film and prepared viewers for what was in store. “I personally prefer credits where a little bit of the movie is shown. It captures the interest of the viewer,” says Bollywood buff Dhruv Somani. Earlier, he says, viewers wouldn’t mind missing the end credit sequences but with film-makers choosing to run elaborate end credits in recent years, this is no longer the case. “In Bollywood, this is also where you would sometimes find the hot-ticket number that is popular with the masses,” chimes in Puneet Rakheja, who used to run the blog Taking Credit in 2013-’14, with the aim of decoding credit sequences in films.

    “Though it’s not recognised by the Academy yet, the title sequence is an art form in its own right. The opening credits are the first visuals you meet in a film. They can perform various roles — as a narrative device that pushes the story along, an introduction to the characters and big-ticket actors, and so on. Lately, some are using these title sequences as a way to pass on subtle clues about an anticipated plot; for instance, in Game of Thrones, at the height of its fervour, there were plenty of blogs and videos devoted to the now iconic title sequences,” adds Rakheja.

    The credit sequences in Bollywood films and OTT series largely remain in English, with the name of the films being spelt out in Hindi and Urdu at times. Down South, the credits have always been displayed in the native languages. “In Kollywood, all the credits would appear in Tamil and only the names of the key cast and crew would be mentioned in English. The background music is often punctuated with dramatic silence for big names like, say, K. Balachander,” says film-maker and academic K. Hariharan. He believes simplistic titles are the way to go and brings up Sholay (1975) as an example, for its use of basic title cards — names handwritten on cards and photographed — that were far from ornate and yet effective. “There is no ideal credit sequence. There are effective or ineffective title sequences,” points out Rakheja.

    And standout sequences have stayed with audiences through the years.

    In the 1978 Amitabh Bachchan-starrer Don, the pre-credits scene has him throwing a briefcase at the goons. It explodes and leads us to the credit sequence, which opens with a fight. Presented as coloured film negatives, the credits, accompanied by the theme song, set the tone for the high-paced chase that is about to follow.

    Shivendra Singh Dungarpur, film-maker, film historian and founder of the Film Heritage Foundation, cites the example of the 1966 film Teesri Manzil where the opening credits end with a woman falling off the third storey of a building in an effort to build suspense.

    “The earlier title sequences mostly made use of title cards. The 1936 Devdas used an art deco typeface – that was popular then – against a black background. In the 1955 version, the credits appear as the pages of a book are flipped,” says Rakheja. “The remarkable expressionist frame of a pair of eyes and a dozen hands in the 1957 film Do Aankhen Barah Haath was striking; the opening sequence uses 12 handprints as a canvas for the credits.”

    Somani recounts the presence of background music in the credits of black and white films of the ’50s. “When Eastmancolor came into the picture, title credits became more eye-catching. The ’80s saw some of the most memorable sequences thanks to Nasir Hussain, Hrishikesh Mukherjee, Raj Khosla and the Ramsay Brothers,” he says.

    A double spread from Hush.

    The credit sequences were often employed to create an atmosphere of suspense. “Those for low-budget horror films by the Ramsay Brothers brought with them a certain curiosity and evoked a mood that would lead viewers into the film without bringing in any elements of gore. Raja Nawathe’s 1965 thriller Gumnaam, on the other hand, had blood splattered across the screen, blatantly denoting a sense of mystery,” he says.

    Fast-paced sequences with appropriate music were for thrillers and horror while animation was reserved for comedies. In Sai Paranjpye’s Katha (1983), the credit sequence tells us of the hare-and-tortoise fable with hand-drawn illustrations. It sets a comic tone and remains a thread through the film, reoccurring at the end.

    The Effects Of Digitalisation

    The digital age that set its stamp on the 2000s saw a new sophistication creep into title sequences. The production value was better and music was sometimes commissioned especially for the credit reels. According to Rakheja, there has also been a shift towards creating larger-than-life imagery. He cites Baahubali 2: The Conclusion (2017) as an example; it used its title credits as a plot device that gave viewers a glimpse of key events from the previous film. “Its title sequence animated scenes from the first film which lent them a larger-than-life feel,” he says.

    From the ’90s onward, there were only a handful of references that they talk about. “In recent times, Farah Khan started the trend of creating end credit sequences that the audience would stay back to watch, we see it in Main Hoon Na and Om Shanti Om,” says Somani, referring in particular to the latter, where several of the cast and crew, including technicians and spot boys, make an appearance. The sequence closes with the grand entry of the director in an auto. It was a tribute to the cast and crew of the film that tips a hat to the glory days of the Hindi film industry.

    The end credits of Zoya Akhtar’s Luck by Chance (2009) also made a mark for its innovation. The credit reel that the film closes with features a single long shot of Konkona Sen Sharma in a black-and-yellow taxi, with the city of Mumbai in the backdrop. From a starkly different genre, Anurag Kashyap’s Gangs of Wasseypur (2012), with its rugged, textured title cards, and Black Friday (2004), where the title of the film foregrounds the smoke-filled images of the 1993 Bombay blasts, are equally memorable.

    A rough sketch from A Thousand Years.

    Then there’s the flip side to digitally produced credit sequences. While embracing the digital tools available to create innovative and high-quality titles, most critics admit that the personal touch is slowly disappearing. “All credit sequences have started looking the same. The artistic interpretation is lost. Since it was not an easy job earlier, everyone thought of innovative, original ideas to make them stand out,” Dungarpur says. “It’s the same with film posters, you can’t match the hand-drawn ones from the early days. Also, when was the last time you saw a film’s interval being announced with a bang?” says Dungarpur, who has been maintaining a personal archive of the ending shots — specifically, “The End” frames –– of Indian films.

    The Resurgence

    Left: Tina assesses rough sketches from Mixtape Vol. 4 and A Thousand Years.

    A significant trend that has emerged with OTT films and series is the outsourcing of credit sequences to studios and producers beyond the silos of film circuits. With OTT platforms coming up with new releases every week and competing for audience attention, the pie is becoming larger and there’s a piece for everyone.

    As a result, a number of VFX agencies have sprung up. Mumbai-based Plexus Motion, best known for their title credits for both the seasons of Netflix’s Sacred Games (2018-’19), Gangs of Wasseypur and Angry Indian Goddesses (2015), was also born in 2014. More recently, Koffee With Karan (2004-’22) outsourced its credit sequence to the Chennai-based Whoa Mama Design. Mumbai-based Harkat Studios, launched in 2017, has created title sequences for Bombay Begums (2021), Trial by Fire (2023) and Guns and Gulaabs (2023), all of which are viewable on Netflix.

    “We’ve done credits for two Tamil films but they were over six years ago. Dharma Productions got in touch with us after happening to see our brand videos and edits on social media. They were taking a chance,” says Shaun D’Sa, co-founder and creative head, Whoa Mama Design. He adds, “Karan (Johar) liked the concepts that we shared. He was keen on a red-carpet scene. We worked on the storyboard, scripts, choreography and set design, and shot the sequence at the YRF Studio in Mumbai.”

    The early work of Vijesh Rajan, before he founded Plexus Motion, includes Gangs of Wasseypur, OK Kanmani, and MTV India’s The Dewarists (2011-’16) and Bring on the Night (2012). With Plexus Motion, he went on to produce atmospheric title sequences for yet another Kashyap film Raman Raghav 2.0 (2016), besides miniseries like Ghoul (2018) and Leila (2019).

    Rajan’s approach to Gangs of Wasseypur was novel and attempted to give a touch of a Western, albeit in the heartlands of India. “I saw so much grit and texture on set. I wanted the sequence to reflect that and the credits set up the tale of the place and the people. The music had to indicate that it is a dangerous place to be, that the people are dangerous. We decided to go with a large textured typeface,” he says, recalling how they would rub sheets of paper with the title text on the ground for the rugged, aged look. “We would crumple paper and then scan it. For over 10 days, at Kashyap’s office in Mumbai, we were just rubbing paper across different surfaces to get the right texture. No two frames looked the same or had the same texture,” he shares.

    “When Plexus was working on Netflix’s Decoupled, the directors came with a brief that clearly stated the need for something fresh for each episode. When a couple splits up, it’s not just them, all their belongings get split up too. We came up with eight executions of the title sequence. A different object in the opening credits of each of the eight episodes alludes to the separation by moving away from its counterpart,” Rajan adds.

    Sacred Games, another early piece of work by Plexus, received rave reviews for the music — by Alokananda Dasgupta — employed in its title credits. Here, the mandala and the haunting music creates a palpable tension. “Each episode has its unique mandala with elements from Hindu mythology embedded in it. It is colourful to begin with and then the colour starts to fade away. It signifies the underlying darkness that is unleashed as the storyline progresses. We were told it needs to have some angst. That’s when we started doing these sharp edits,” he says of the thinking behind the sequence.

    With the series, Rajan’s team tried to beat the system; specifically, the Skip Intro option on OTT platforms. They achieved this by creating title sequences that changed with every episode, a stratagem that they would replicate for Decoupled in 2021. The Skip Intro feature works against the animation artists. It also creates a new set of challenges, of bringing in variety with each episode. Lending the right amount of drama to the titles is critical; they should not overshadow the actual content or reveal spoilers. Titles appear at a faster speed nowadays — you can look up the credits online and hence the titles serve a more aesthetic and less functional purpose now. Nevertheless, Rajan believes that engaging credits are here to stay. The skip option on OTT platforms may not be a deal-breaker. “It pressurises studios to be more creative,” he says.

    Surging Ahead

    Studio Kokaachi’s journey with credit sequences and comic books isn’t going to end anytime soon. Their first Malayalam comic series, the upcoming eight-part Idivettu, is “a heist story”, Pratheek says excitedly. “It’s about a boy who comes from a lineage of thieves and wants to grow up to be the greatest thief in the world. He becomes a thief but he isn’t very good at it. When another smarter, more successful thief shows up, he is forced to go to extraordinary lengths to prove himself as the best thief in his small town,” he adds, while trying not to reveal all of the twists and turns in the book.

    More than nine years after they reclaimed the scary boogeyman of their childhood, the duo is setting the record straight. Another upcoming comic, There’s No Such Thing Called A Kokaachi, revolves around the monster. “The upcoming book has been scripted and the illustrations are being worked on. We are aiming for a mid-2024 release,” she adds.

    There’s also Raja, a comic book that Pratheek and Tina are writing together for the first time. “The 40-page graphic narrative is inspired by Pratheek’s maternal grandmother and her dog,” says Tina, adding that it is slated to be unveiled in two months’ time.

    Over the last few years, their lives may have taken a more filmi turn than they had chalked out for themselves — they still can’t quite wrap their heads around it – but the two insist that Bollywood demands notwithstanding, they are publishers and storytellers first. Upcoming OTT projects aside, Mixtape Vol. 4, they remind us, is waiting to be born.



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  • Mid-century Zero House in London imbued with “Kubrick feel”

    Mid-century Zero House in London imbued with “Kubrick feel”

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    Timber ceilings and a fireplace clad in mahogany tiles feature in this London house, which its owners have renovated to honour the dwelling’s mid-century roots and nod to the colour palette of Stanley Kubrick films.

    Located in north London’s Stanmore, Zero House belongs to recording artists Ben Garrett and Rae Morris, whose former home in Primrose Hill is the Dezeen Award-winning Canyon House designed by Studio Hagen Hall.

    Zero House in Stanmore, London
    Zero House in Stanmore was built between 1959 and 1961

    Unlike their previous dwelling, Garrett and Morris updated Zero House themselves but adopted the same mid-century palette when creating its interiors.

    “The house was built between 1959 and 1961 by a Hungarian architect,” said Garrett, who explained that the original design was informed by Californian Case Study Houses such as Charles and Ray Eames’s 1949 home and design studio.

    Brick and timber details within mid-century renovation
    The two-storey dwelling was renovated by its owners

    “It’s a great example of a number of imaginative mid-century domestic houses dotted around metro-land,” he told Dezeen. “Our main aim was to freshen it up relatively in keeping with the time but not to feel like we were living in a total time capsule.”

    The pair maintained the matchbox timber ceilings that run throughout the two-storey home, which were stained with a dark reddish tone alongside stained wooden doors.

    Floor-to-ceiling tiled fireplace in Zero House
    Slim mahogany tiles clad the floor-to-ceiling fireplace

    Slim mahogany tiles clad the floor-to-ceiling fireplace in the living room, which features the same micro-cement flooring found at Canyon House and opens out onto a lush garden.

    Garrett and Morris also maintained the home’s many exposed brick walls and inserted geometric timber shelving that displays eclectic ornaments including amorphous vases and a colourful set of nesting dolls.

    Timber-clad kitchen
    The kitchen was panelled in light-hued timber

    Reeded 1970s-style glass was used to form various windows including a rectilinear opening in the kitchen that illuminates minimal timber cabinetry topped with grainy surfaces.

    The pair transferred the tubular Marcel Breuer chairs and Tulip dining table by Eero Saarinen from their former home, as well as the same “heinous digital artwork” that decorated their previous living space.

    Dark brown bedroom interiors in Zero House
    Darker tones create a “horror film” feel upstairs

    Upstairs, a moody mahogany carpet darkens the main bedroom, which features the same timber wall and ceiling panels as the communal areas.

    “There’s a lot of dark reds and browns in the house,” said Garrett.

    “We leaned into the horror film slash Kubrick feel of the upstairs and made a few more austere choices this time,” he added, referencing the late filmmaker, whose credits include the 1980 supernatural horror movie The Shining.

    Coffee-hued cork was chosen to clad the exterior of the bathtub and the surrounding walls while another walk-in shower interrupts the dark wooden theme with bright orange tiles and deep white basins.

    Zero House also holds a timber-panelled recording studio, which is located in a separate low-slung volume at the end of the garden and can be reached via a few stepping stones.

    Bright orange walk-in shower
    Bright orange tiles were chosen for a walk-in shower

    Garrett and Morris left the structure of the property largely untouched. Instead, the duo chose to focus on dressing its mid-century interior.

    “We didn’t have to be clever with this house as the space is abundant and the flow and design were incredibly well thought out in the early 60s,” he said. “So it was more of a cosmetic thing.”

    Recording studio in Zero House
    There is a standalone recording studio in a shed at the back of the garden

    Other recent mid-century renovation projects saw Design Theory update a coastal home in Perth from the 1960s while Woods + Dangaran added a koi pond among other elements to a Los Angeles dwelling built by architect Craig Ellwood during the same decade.

    The photography is by Mariell Lind Hansen.

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  • TD Bank Review 2023

    TD Bank Review 2023

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    Our experts answer readers’ banking questions and write unbiased product reviews (here’s how we assess banking products). In some cases, we receive a commission from our partners; however, our opinions are our own. Terms apply to offers listed on this page.

    TD Bank: Overall Bank Rating

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    • Earn 0.05% APY if you don’t have an eligible TD Bank account and maintain an account balance between $10,000 and $24,999
    • Earn 0.10% APY if you don’t have an eligible TD Bank account and maintain an account balance between $25,000 and $49,999
    • Earn 0.15% APY if you don’t have an eligible TD Bank account and maintain an account balance between $50,000 and $99,999
    • Earn 2.00% APY if you link an eligible TD bank account and maintain an account balance between $10,000 and $24,999
    • Earn 2.25% APY if you have an eligible TD Bank account and maintain an account balance between $25,000 and $49,999
    • Earn 2.50% APY if you have an eligible TD Bank account and maintain an account balance between $50,000 and $99,999
    • Earn 4.00% APY if you have an eligible TD Bank account and maintain an account balance over $100,000
    • Waive $15 monthly service fee by maintaining a $10,000 minimum balance, linking to a TD Beyond Checking Account, or opening an IRA
    • No out-of-network ATM fees and ATM fee refunds if you maintain a $2,500 balance
    • FDIC insured

    TD Bank (Member FDIC) has two savings accounts: TD Signature Savings and the TD Simple Savings Account.

    The TD Simple Savings Account makes it easy to waive monthly service fees during the first year — just make a recurring deposit of at least $25 each month. After that, you’ll need to maintain a minimum daily balance of $300 or meet certain age-specific requirements. 

    TD Signature Savings generally offers more competitive interest rates than TD Simple Savings Account for most account balances. However, you’ll need to be mindful of a $15 monthly service fee. To waive the monthly fee you must maintain a $10,000 minimum balance, link to a TD Beyond Checking Account, or open an IRA.

    If you qualify for a relationship rate, you’ll also earn a higher interest rate on TD Signature Savings, especially on higher balances. To qualify for a relationship rate, you must link a savings account to a TD Bank personal checking account, small business checking account, credit card, mortgage, or home equity loan.

    See Insider’s TD Bank savings rates review.

    TD Bank Simple Checking Account

    TD Bank Simple Checking Account

    Insider’s Rating

    A five pointed star

    A five pointed star

    A five pointed star

    A five pointed star

    A five pointed star

    3.74/5


    Fees

    $5.99 monthly service fee


    Annual Percentage Yield (APY)

    None


    Minimum Deposit Amount

    $0

    Pros

    • Check mark icon A check mark. It indicates a confirmation of your intended interaction. No minimum opening deposit
    • Check mark icon A check mark. It indicates a confirmation of your intended interaction. Receive 0.25% discount on TD Bank home equity or personal loan
    • Check mark icon A check mark. It indicates a confirmation of your intended interaction. Free overdraft protection
    Cons

    • con icon Two crossed lines that form an ‘X’. $5.99 monthly service fee, with no way to waive it
    • con icon Two crossed lines that form an ‘X’. $3 out-of-network ATM fee
    • con icon Two crossed lines that form an ‘X’. $35 overdraft fee


    Product Details

    • Access to 1,100 locations and over 2,600 ATMs
    • No way to waive $5.99 monthly service fee
    • FDIC insured

    TD Bank Convenience Checking Account

    TD Bank Convenience Checking Account

    Insider’s Rating

    A five pointed star

    A five pointed star

    A five pointed star

    A five pointed star

    A five pointed star

    4/5

    Icon of check mark inside a promo stamp It indicates a confirmed selection.


    Fees

    $15 monthly service fee


    Annual Percentage Yield (APY)

    None


    Minimum Deposit Amount

    $0

    Pros

    • Check mark icon A check mark. It indicates a confirmation of your intended interaction. No monthly service fee if you’re ages 17 to 23
    • Check mark icon A check mark. It indicates a confirmation of your intended interaction. No opening deposit
    • Check mark icon A check mark. It indicates a confirmation of your intended interaction. Free overdraft protection
    Cons

    • con icon Two crossed lines that form an ‘X’. $15 monthly service fee
    • con icon Two crossed lines that form an ‘X’. No interest earned
    • con icon Two crossed lines that form an ‘X’. $3 out-of-network ATM fee
    • con icon Two crossed lines that form an ‘X’. $35 overdraft fee


    Product Details

    • Access to 1,100 branch locations and over 2,600 ATMs
    • Waive $15 monthly fee with $100 daily balance
    • No opening deposit
    • FDIC insured

    TD Bank Beyond Checking Account

    TD Bank Beyond Checking Account

    Insider’s Rating

    A five pointed star

    A five pointed star

    A five pointed star

    A five pointed star

    A five pointed star

    4/5

    Icon of check mark inside a promo stamp It indicates a confirmed selection.


    Fees

    $25 monthly service fee


    Annual Percentage Yield (APY)

    0.01%


    Minimum Deposit Amount

    $0

    Pros

    • Check mark icon A check mark. It indicates a confirmation of your intended interaction. No opening deposit
    • Check mark icon A check mark. It indicates a confirmation of your intended interaction. Free overdraft protection
    • Check mark icon A check mark. It indicates a confirmation of your intended interaction. 2 overdraft fee reimbursements per year
    • Check mark icon A check mark. It indicates a confirmation of your intended interaction. Waive other TD Bank account monthly fees when you have a Beyond Checking Account
    • Check mark icon A check mark. It indicates a confirmation of your intended interaction. No out-of-network ATM fees
    • Check mark icon A check mark. It indicates a confirmation of your intended interaction. Reimburses out-of-network ATM fees charged by providers when your balance is at least $2,500
    Cons

    • con icon Two crossed lines that form an ‘X’. $25 monthly service fee
    • con icon Two crossed lines that form an ‘X’. $35 overdraft fee


    Product Details

    • Earn $300 when you have $2,500 in qualifying direct deposits within 60 days
    • Access to over 1,100 branch locations
    • Waive $25 monthly fee with $5,000 in monthly direct deposits, OR $2,500 minimum balance, OR total of $25,000 in all TD Bank accounts
    • No opening deposit or minimum account balance
    • Interest compounded daily
    • FDIC insured

    TD Bank offers a variety of checking accounts. You don’t need a minimum deposit to open any TD Bank checking account. However, all of the accounts have monthly service fees. You can waive monthly service fees on some TD Bank checking accounts by meeting certain minimum balance requirements or if you fit a specific age group.

    See Insider’s TD Bank Checking Account review.

    TD Bank Choice Promotional CD

    TD Bank Choice Promotional CD

    Insider’s Rating

    A five pointed star

    A five pointed star

    A five pointed star

    A five pointed star

    A five pointed star

    3.5/5


    Annual Percentage Yield (APY)

    0.05% to 5.00%


    Minimum Deposit Amount

    $250

    Pros

    • Check mark icon A check mark. It indicates a confirmation of your intended interaction. $250 minimum opening deposit
    • Check mark icon A check mark. It indicates a confirmation of your intended interaction. Standard term options
    • Check mark icon A check mark. It indicates a confirmation of your intended interaction. Solid interest rate compared to other brick-and-mortar banks
    Cons

    • con icon Two crossed lines that form an ‘X’. High early withdrawal penalties


    Product Details

    • Terms range from 3 months to 5 years
    • Earn 0.05% to 1.00% APY, or 0.05% to 5.00% APY if qualify for a relationship bump rate when you also have an eligible checking account
    • Early withdrawal penalties: All interest earned for terms under 90 days; 3 months of interest on terms between 90 days and 1 year; 6 months of interest on terms between 1 year and 2 years; 9 months of interest on terms between 2 years and 3 years; 1 year of interest on terms between 3 years and 4 years; 18 months of interest on terms between 4 years and 5 years; 2 years of interest on terms 5 years or longer
    • Interest compounded and deposited monthly
    • FDIC insured

    TD Bank No-Catch CD

    TD Bank No-Catch CD

    Insider’s Rating

    A five pointed star

    A five pointed star

    A five pointed star

    A five pointed star

    A five pointed star

    3.5/5


    Annual Percentage Yield (APY)

    0.05%


    Minimum Deposit Amount

    $250

    Pros

    • Check mark icon A check mark. It indicates a confirmation of your intended interaction. One penalty-free withdrawal per term
    • Check mark icon A check mark. It indicates a confirmation of your intended interaction. $250 minimum opening deposit
    Cons

    • con icon Two crossed lines that form an ‘X’. Low interest rates
    • con icon Two crossed lines that form an ‘X’. Only two terms to choose from


    Product Details

    • Two terms: 6 months and 12 months
    • If you withdraw funds, you still must leave at least $250 in the account to keep it open
    • Interest compounded and paid monthly
    • Member FDIC

    TD Bank Step Rate CD

    TD Bank Step Rate CD

    Insider’s Rating

    A five pointed star

    A five pointed star

    A five pointed star

    A five pointed star

    A five pointed star

    3.75/5


    Annual Percentage Yield (APY)

    0.05% to 0.15%


    Minimum Deposit Amount

    $250

    Pros

    • Check mark icon A check mark. It indicates a confirmation of your intended interaction. Interest rate increases every year
    • Check mark icon A check mark. It indicates a confirmation of your intended interaction. You can make a partial or total penalty-free withdrawal on each anniversary
    • Check mark icon A check mark. It indicates a confirmation of your intended interaction. $250 minimum opening deposit
    Cons

    • con icon Two crossed lines that form an ‘X’. Low interest rates
    • con icon Two crossed lines that form an ‘X’. Only two terms to choose from
    • con icon Two crossed lines that form an ‘X’. High penalties if you withdraw money outside of an anniversary


    Product Details

    • Two terms: 3 years and 5 years
    • If you withdraw funds, you still must leave at least $250 in the account to keep it open
    • Early withdrawal penalties: You can withdraw money on each anniversary with no penalty; otherwise, the penalty is 12 months interest for the 3-year term and 24 months interest for the 5-year term
    • Interest compounded and paid monthly
    • Member FDIC

    TD Bank CD rates are relatively low overall, with the exception of a few terms. It also has a no-penalty CD and a step-up CD, though, so TD is a good choice if you want a variety of options.

    TD Bank Auto Loans

    TD Bank Auto Loans

    Insider’s Rating

    A five pointed star

    A five pointed star

    A five pointed star

    A five pointed star

    A five pointed star

    1.75/5


    Regular Annual Percentage Rate (APR)

    Undisclosed


    Recommended Credit

    Undisclosed


    Loan Amount Range

    Undisclosed

    Pros

    • Check mark icon A check mark. It indicates a confirmation of your intended interaction. Easy to find where dealers are nearby
    Cons

    • con icon Two crossed lines that form an ‘X’. Refinancing, lease buyouts unavailable
    • con icon Two crossed lines that form an ‘X’. Only provides funding at partner dealerships
    • con icon Two crossed lines that form an ‘X’. Doesn’t disclose loans terms, rates, fees, or eligibility criteria


    Product Details

    • TD Bank is an indirect lender, meaning it only finances cars purchased through dealerships
    • Use the company’s website to find partner dealerships close to you
    • Available in all 50 states

    TD Bank is an indirect lender, so you won’t be able to get an auto loan directly from the financial institution. Information about auto loans term, rates, and fees isn’t available online. You’ll have to find a dealership partner to learn more about TD Bank auto loans.

    See Insider’s TD Bank auto loans review.

    TD Bank Personal Loans

    TD Bank Fit Loan

    Insider’s Rating

    A five pointed star

    A five pointed star

    A five pointed star

    A five pointed star

    A five pointed star

    4/5


    Regular APR

    8.99% to 23.99%


    Loan Amount Range

    $2,000 to $50,000

    Pros

    • Check mark icon A check mark. It indicates a confirmation of your intended interaction. Fast funding
    • Check mark icon A check mark. It indicates a confirmation of your intended interaction. No origination fees or prepayment penalties
    • Check mark icon A check mark. It indicates a confirmation of your intended interaction. Competitive rates
    • Check mark icon A check mark. It indicates a confirmation of your intended interaction. Wide range of loan amounts
    • Check mark icon A check mark. It indicates a confirmation of your intended interaction. 24/7 customer service
    Cons

    • con icon Two crossed lines that form an ‘X’. Only available to borrowers in certain states
    • con icon Two crossed lines that form an ‘X’. Late fee
    • con icon Two crossed lines that form an ‘X’. No cosigned loans available


    Product Details

    • Loan amounts range from $2,000 to $50,000
    • The late fee is 5% of the minimum payment due or $10, whichever is less
    • Term lengths are between 36 to 60 months

    TD Bank has unsecured personal loans called Fit Loans. You may qualify for a Fit Loan if you live in a state that has a TD branch. Loan amounts range from $2,000 to $50,000.

    See Insider’s TD Bank personal loans review.

    TD Bank Mortgages

    TD Bank Mortgages

    Insider’s Rating

    A five pointed star

    A five pointed star

    A five pointed star

    A five pointed star

    A five pointed star

    4.5/5


    Types of Loans Offered

    Conforming, FHA, VA, construction, jumbo, Medical Professional, TD Right Step, TD Home Access, home equity loan, HELOC

    Pros

    • Check mark icon A check mark. It indicates a confirmation of your intended interaction. Wide range of mortgage options
    • Check mark icon A check mark. It indicates a confirmation of your intended interaction. Offers affordable loan programs with flexible credit requirements
    • Check mark icon A check mark. It indicates a confirmation of your intended interaction. Easily explore customized rates
    Cons

    • con icon Two crossed lines that form an ‘X’. Only available in 15 states and Washington, DC
    • con icon Two crossed lines that form an ‘X’. Lender fees aren’t listed online


    Product Details

    • Offers mortgages in Connecticut, Delaware, Florida, Maine, Maryland, Massachusetts, New Hampshire, New Jersey, New York, North Carolina, Pennsylvania, Rhode Island, South Carolina, Vermont, Virginia, and Washington, DC.
    • Minimum credit score and down payment displayed are for conforming mortgages

    TD Bank may be a solid choice if you’re looking for a variety of home loans. The bank has conforming loans, FHA loans, VA loans, construction loans, jumbo loans, Medical Professional mortgages, TD Right Step mortgages, TD Home Access mortgages, home equity loans, and HELOCs.

    See Insider’s TD Bank mortgage review.

    TD Bank Credit Cards

    TD Double Up℠ Visa Credit Card

    Insider’s Rating

    A five pointed star

    A five pointed star

    A five pointed star

    A five pointed star

    A five pointed star

    3.85/5


    Intro APR

    0% intro APR on balance transfers for first 15 billing cycles


    Regular APR

    19.74%, 24.74% or 29.74% variable


    Recommended Credit

    Good to Excellent

    Pros

    • Check mark icon A check mark. It indicates a confirmation of your intended interaction. Earns unlimited 2% cash back on purchases
    • Check mark icon A check mark. It indicates a confirmation of your intended interaction. Good intro APR on balance transfers
    • Check mark icon A check mark. It indicates a confirmation of your intended interaction. No annual fee
    Cons

    • con icon Two crossed lines that form an ‘X’. Other no-annual-fee cash-back cards offer better welcome bonuses
    • con icon Two crossed lines that form an ‘X’. Intro APR isn’t valid for purchases
    • con icon Two crossed lines that form an ‘X’. Foreign transaction fees


    Product Details

    • The information related to the TD Double Up℠ Credit Card has been collected by Business Insider and has not been reviewed by the issuer.
    • Earn $100 cash back as a statement credit after spending $1,000 within the first 90 days of account opening
    • Enjoy a 0% intro APR for 15 months from account opening for balance transfers and then 19.74%, 24.74% or 29.74% variable APR
    • Earn 2% cash back on all purchases
    • $0 annual fee

    TD Bank also offers several types of credit cards, including secured credit cards, travel credit cards, and cash back credit cards.

    The TD Double Up℠ Visa Credit Card is notably listed in our guide for the best 2% cash back credit cards as a top pick for TD Bank customers.

    How TD Bank Works

    TD Bank is a brick-and-mortar financial institution on the East Coast with over 1,100 branches and 2,600 free ATMs. Branches are accessible in the following states:

    • Connecticut
    • Delaware
    • Florida
    • Maine
    • Maryland
    • Massachusetts
    • New Hampshire
    • New Jersey
    • New York
    • North Carolina
    • Pennsylvania
    • Rhode Island
    • South Carolina
    • Vermont
    • Virginia
    • Washington, DC

    Customer service is available 24/7 over the phone. Branches are open on weekdays, some are also open on Saturdays, and others are open seven days per week.

    The bank’s mobile app has received 4.8 out of 5 stars in the Apple store and 4.2 out of 5 stars in the Google Play Store. 

    TD Bank is FDIC-insured, which means you may safely keep up to $250,000 in an individual bank account. 

    Is TD Bank Trustworthy?

    In our TD Bank review, we including ratings from the Better Business Bureau. The BBB grades companies based on how they deal with customer issues.

    TD Bank has an A+ rating from the BBB. Bear in mind a good BBB rating isn’t necessarily the be-all and end-all. Consider talking to current customers or reading online customer reviews to get a well-rounded perspective of TD Bank.

    TD Bank has been involved in one recent public controversy. In 2020, the US Bureau of Consumer Financial Protection required TD Bank to pay $122 million in a settlement that accused the bank of charging customers a Debit Card Advance service without their permission.

    TD Bank Review vs. Citizens Bank Review

    Citizens Bank has more than 1,200 branches and 3,300 ATMs along the East Coast and Midwest. It has locations in Connecticut, Delaware, Florida, Maryland, Massachusetts, Michigan, New Hampshire, New Jersey, New York, Ohio, Pennsylvania, Rhode Island, Vermont, Virginia, and Washington, DC. 

    You might prefer Citizens Bank over TD Bank if you’re searching for more savings account options. Citizens Bank has a personal money market account while TD Bank doesn’t.

    Citizens also might be worth considering for auto loans if you live in Connecticut, Massachusetts, or Rhode Island. The bank is piloting an auto loan program in these areas right now.

    TD Bank may be a better choice if you’re searching for more options for home loans. For example, TD Bank offers a physician home loan.

    TD Bank Review vs. Bank of America Review

    Bank of America has 4,200 branches in 37 states and DC, while TD Bank has around 1,100 branches in 15 states and DC. Bank of America could be a better option if you want a larger branch network.

    You might prefer TD Bank if you’re looking for more options for home loans. Bank of America doesn’t have home equity loans or construction loans.

    TD Bank: Frequently Asked Questions

    You may open a TD checking or savings with $0. CDs require at least $250.

    TD Bank might a good choice if you prefer traditional brick-and-mortar banks to credit unions or online banks. It is also may be ideal if you want to open bank accounts with low initial deposits, a variety of home loan or personal loan options, or a 2% cash back credit card.

    TD Bank lets you open a bank account online or at a local branch.

    You will need to share your name, birth date, address, social security number, or tax identification number. If you open an account in person, you’ll need to bring a US ID.

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  • How To Prevent Fine Lines And Wrinkles Before They Happen

    How To Prevent Fine Lines And Wrinkles Before They Happen

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    As the saying goes, “an ounce of prevention is worth a pound of cure.” And when it comes to taking care of your skin, this advice is spot on. While there are many products designed to replenish skin and repair damage, it’s also true that the less damage there is, the less you’ll need to repair. So how do you prevent these signs of aging from happening in the first place? And can you reverse wrinkles once they’ve appeared? Read on to to find out.  

    Protect Your Skin From The Sun | Cleanse Daily | Retinols And Retinol Alternatives | Hydrate | Don’t Forget The Eyes | Eat Well And Exercise

    Protect Your Skin From The Sun Every Day 

    Sun damage is the number one cause of premature aging, period. From rough, uneven texture to blotchiness, sagging skin, dark patches and wrinkles, sun exposure in the form of UVA and UVB rays shows up on the skin and robs it of its glow. And since these pesky rays exist everywhere and year-round (yes, even on the cloudiest winter days), we are all susceptible to this type of damage. Lucky for us, there are products designed to help mitigate the fallout. 

    Though often overlooked, SPF is literally the most important and effective anti-aging product out there. Thankfully, it is available in so many different forms these days, so there’s an option out there that’s suitable for any skin type or preference. Chemical and physical sunscreens can be found in creams, oils, fluids and powders — so there are zero excuses. A broad-spectrum SPF of 30 or higher is a must, and reapplying throughout the day, especially when spending time outdoors, is the best way to stay protected. Another way to keep the rays from wreaking havoc on your skin is to cover up with sun-protective clothing — like lightweight and long-sleeved shirts, long pants, a wide-brimmed hat and sunglasses with UV protection.

    Take a look at our new Radiant Protection SPF Fluid. This lightweight yet nourishing formula glides on effortlessly for a dewy, hydrated finish. 

    https://www.youtube.com/watch?v=SLW3sZwshi8

     

    Bonus Tip: Apply self-tanner if you’re looking for a little color. Every tan is actually caused by sun damage and prematurely ages your skin. This is true whether you get your tan from the sun or an indoor tanning bed. Both emit harmful UV rays that accelerate the aging process. Oh, and your hands are not immune. If you’re into gel nails, the UV light used to cure the color is the same UV light you get in tanning beds. So slather on the SPF before you hit the nail salon. 

    Cleanse Daily, But Gently

    While removing your makeup, SPF, sweat and environmental pollutants like dirt, dust and smoke is essential, using too much pressure when scrubbing your skin clean can cause irritation. And skin irritation accelerates skin aging. Gentle washing is more than sufficient when looking to get rid of the dirt, sweat and grime. 

    If a deeper clean is what you’re after, choose a cleanser with gentle physical and/or chemical exfoliants built in. They will give you that squeaky clean feel without harsh scrubbing. Plus, many exfoliants help reduce the signs of aging, so you’re getting major bang for your buck. Some of our favorite gentle-yet-effective options include our Mangosteen Daily Resurfacing Cleanser, Monoi Age Corrective Exfoliating CleanserCharcoal Exfoliating Gel Cleanser or a few sprinkles of the Strawberry Rhubarb Dermafoliant or Stone Crop Oxygenating Fizzofoliant into any cleanser of your choice. Website reviewer, Penny, raves about our stone crop formula, calling it: “The best exfoliant I’ve ever used!”

    And if a morning cleanse isn’t part of your ritual, it might be time to add that step. Cleansing the skin before applying your daytime products will help them absorb better and, shocker, work better!


    Product Picks

    Award Winning

    Multi-action exfoliating cleanser

    Award Winning

    Brighten and invigorate


    Retinols And Retinol Alternatives

    Retinoids are compounds that are derived from Vitamin A and are known for their ability to improve skin texture and minimize the appearance of wrinkles. Conventional retinol (one form of retinoid) is a powerful but harsh ingredient that can help strengthen the protective function of the outermost layer of the skin, limit water loss and even protect collagen — a protein that offers structural support to the skin (aka holds it up to prevent sagging and wrinkles). It doesn’t happen overnight, but conventional retinol may ease fine lines and wrinkles and tackle other signs of aging. 

    While retinols are a big deal in the skin care world, they’re not for everybody. All of the upside comes at a price, usually in the form of redness, irritation and peeling. Lucky for us, bakuchiol has entered the chat and is changing the game. Touted as an effective and natural alternative to conventional retinol, this plant-based powerhouse offers many of the same results as retinol, without the downsides. Extracted from the leaves and seeds of the babchi plant, bakuchiol is a gentle alternative that can reduce the appearance of fine lines and wrinkles, help restore firmness, refine skin texture and even out skin tone in a gentle yet effective way. 

    Hydrate, Hydrate And Hydrate Some More

    Moisture is key when it comes to staving off lines and wrinkles. And, great news, there’s a multi-pronged approach to hydration that will literally benefit your skin from the inside out. Drinking plenty of water is super important to the health of your skin — it helps maintain that glowing look by providing elasticity and plumpness. Dehydration can lead to dry patches, which can leave skin looking dull. And if plain water is getting a little boring, lots of fruits and vegetables are super hydrating: Watermelon, cucumbers, peppers and apples are all high in water — and full of skin-friendly vitamins — so hit the produce aisles. 

    Moisturizers are a no-brainer when it comes to hydration, yet they’re not always top of mind in our routines. Between serums, toners and SPF, sometimes the simple-yet-mighty moisturizer gets forgotten. An easy fix is a product that does double-duty, like the Bright Skin Moisturizer SPF 40 or the Bakuchiol + Niacinamide Moisturizer. Adding this quick step to your routine will take seconds but could take years off the look of your skin. Ingredients like hyaluronic acid and niacinamide are hydration powerhouses.  

    Don’t Forget The Eyes 

    Another simple step that can help prevent the look of fine lines and wrinkles is the addition of an eye cream. The delicate skin under the eyes needs a little extra TLC, which is why a product designed specifically for the area can be the preemptive step you need in your life. Try the Marine Flower Peptide Eye Cream or the Hibiscus Ultra Lift Eye Cream. As well as helping to prevent or slow down the formation of lines and wrinkles in the area, these two formulas incorporate ingredients that can reduce the look of puffiness and darkening, while helping to rejuvenate that thin skin.


    Product Picks

    New

    Lightweight gel cream

    Award Winning

    Ultra rich collagen boosting eye…


    Eat Well, Drink Well And Exercise 

    We touched on it earlier, but what you put inside your body plays a big role in how your skin looks on the outside. A well-balanced diet that includes vitamin and antioxidant-rich produce, minimal sugar, few simple carbs, lots of skin-friendly healthy fats (olive oil, avocados, salmon, nuts and seeds), plus clean protein sources like grass-fed beef, eggs and beans should make up the majority of your meals. Sugary drinks and alcohol can dehydrate the skin and make it look older than its years, as can processed foods (think anything that comes in a package or has a shelf life longer than your last relationship), so keep those to a minimum. But we don’t suggest cutting them all out altogether. Food and drinks, especially shared with friends, can bring a lot of joy — and that shows on your skin too. Just try to be mindful about indulging in moderation. 

    Another important part of a healthy lifestyle that will help your overall glow is exercise. Even moderate exercise can improve circulation and boost the immune system. This, in turn, may give the skin a more youthful appearance. Plus, you can’t beat that natural glow and the flush to your cheeks that a good workout brings.

    It’s never too early (or too late!) to start taking care of your skin and help slow the aging process. Adding products like moisturizers, sunscreen, exfoliants and peels, and leaning into ingredients like antioxidants, peptides, bakuchiol and hyaluronic acid, can go a long way to help support the structure, strength and elasticity of your skin. Replacing processed foods with fresh, healthy options, drinking lots of water and limiting alcohol can all be part of the equation. 

    Would you like some help coming up with a routine that will help you look and feel your best? Visit an Eminence Organics Spa Partner near you.

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  • The US Government Is Investing Millions Into Surveillance Clothing

    The US Government Is Investing Millions Into Surveillance Clothing

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    • The federal government has a $22 million surveillance clothing program, according to The Intercept.
    • The initiative will develop shirts, pants, socks, and underwear that can record audio and video. 
    • If viable, the washable garments will be used by US intelligence employees or those in high-stress environments. 

    Wearable technology is quickly evolving beyond Fitbits, Apple Watches, and Oura Rings

    The federal government is reportedly funneling $22 million into developing ready-to-wear clothing that can record audio, video, and geolocation data through something its calling The Smart Electrically Powered and Networked Textile Systems program, or SMART ePANTS, for short, according to The Intercept. Garments slated for the production include shirts, pants, socks, and underwear, all of which are intended to be washable, The Intercept reported

    The program “represents the largest single investment to develop Active Smart Textiles (AST) that feel, move, and function like any garment,” according to an August 22 press release from the Office of the Director of National Intelligence. 

    SMART ePANTS is being developed under the Intelligence Advanced Research Projects Activity, an agency that describes itself on its website as investing in “high-risk, high-payoff research programs to tackle some of the most difficult challenges of the agencies and disciplines in the Intelligence Community (IC).” In other words, funding moonshots like underwear that’s as stretchable and washable as normal underwear, but can also record your every move.  

    If successful, though, the garments could significantly improve the capabilities of those working government agencies like the Department of Defense, first responders at the Department of Homeland Security, those in the Intelligence Community, or others working in high-stress environments like crime scenes and arms control, Dr. Dawson Cagle, the program manager for SMART ePANTS, explained in a press release from the IARPA. 

    Cagle, who was previously a weapons instructor with the United Nation according to his LinkedIn page, said in the IARPA’s release, “as a former weapons inspector myself, I know how much hand-carried electronics can interfere with my situational awareness at inspection sites.” 

    He added, “in unknown environments, I’d rather have my hands free to grab ladders and handrails more firmly and keep from hitting my head than holding some device.”

    Some are worried, though, that the SMART ePANTS program could lay the groundwork for more invasive forms of surveillance

    Annie Jacobsen, an investigative journalist and author of The Pentagon’s Brain, told The Intercept, “they’re now in a position of serious authority over you. In TSA, they can swab your hands for explosives.” 

    She added, “now suppose SMART ePANTS detects a chemical on your skin — imagine where that can lead.” 

    While the IARPA did not immediately respond to Insider’s request for a comment, a spokesperson for the agency told The Intercept, “IARPA programs are designed and executed in accordance with, and adhere to, strict civil liberties and privacy protection protocols. Further, IARPA performs civil liberties and privacy protection compliance reviews throughout our research efforts.”

     

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  • GRT Architects references “vacation Italian” at New York restaurant

    GRT Architects references “vacation Italian” at New York restaurant

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    New York studio GRT Architects has designed a light and airy Italian restaurant and adjacent cocktail bar at the base of Thomas Heatherwick’s Lantern House in Manhattan.

    The new dining and drinking destinations face the corner of West 18th Street and 10th Avenue through the distinctive bay windows of the building, which straddles the popular High Line park in Chelsea.

    Bright restaurant with seating on two sides and fabric panels overhead
    The bright and airy Cucina Alba was designed to transport diners to Italy

    The 3,000-square-foot (278 square metres), 90-cover Cucina Alba offers a full brunch and dinner menu, while Alba Accanto is half the size and serves cocktails and bites next door.

    Both are operated by Prince Street Hospitality, whose partner Cobi Levy collaborated with GRT Architects on the interiors of both spaces.

    Oxblood red dining tables with booths and Knoll chairs
    Alternating yellow and white fabric panels are draped above the dining spaces

    “Cucina Alba and Alba Accanto are two distinct yet complementary spaces that instantly transport guests to Italy, capturing the polish of the north with the brightness of the south,” said the group.

    Cucina Alba is designed to embody a “vacation Italian” aesthetic, evoked by light terrazzo floors, tubular metal Knoll Cesca chairs, and pale oak millwork.

    Dining booth with thin metal chain partition and oak millwork behind
    Oak millwork, light-toned terrazzo flooring and tubular metal chairs all add to the ambience

    Alternating yellow and white fabric panels were draped overhead, forming a parachute-esque ceiling that matches the striped awnings over the entrances.

    Thin metal chains hung from red railings act as space dividers, defining and partially enclosing a section of the dining area.

    Glass door beside dining area
    Hints of coral red stand out against the pale colour palette

    High-gloss, oxblood-coloured tables nestle into semicircular booths or line up along the bench that follows the windows.

    At the other end of the L-shaped space, the open-air kitchen is denoted by a colourful mural by artist Alex Proba that covers the end wall and part of the ceiling.

    Mural by Alex Proba across the wall of an open kitchen
    A colourful mural by Alex Proba denotes the open kitchen area

    In the bay windows, an assortment of plants and random paraphernalia – from inflatables to plastic lemons and disco balls – are visible to passersby, while outdoor seating along 10th Avenue is offered under scallop-edged parasols that continue the white and yellow theme.

    Next door, Alba Accanto has a similar “Italian holiday bar” aesthetic, but with a slightly moodier ambience for evenings.

    The bar counter is built from stacks of pale stone that form striations across the front, while the top and the bar back are made from continuous expanses of a single stone type.

    Arched niches behind the bar emanate a golden glow, and display glassware and liquor bottles alongside figurative sculptural vases that were custom-made in Italy.

    Stone bar counter with glowing arched niches behind
    Next door, the Alba Accanto bar has stone details

    The ceiling is covered in fabric that features thin ticking stripes, from which brass chandeliers with pale blue glass globes are suspended.

    At the back is a private dining room that can be booked for large parties of up to 45 guests, and the table configuration can be adapted depending on the event.

    Bar area with striped fabric ceiling and Alex Katz painting
    The bar area features a striped fabric ceiling and a painting by Alex Katz

    Built-in bench seating wraps the perimeter, and patterned wallpaper and matching curtains are reflected in the glossy ceiling.

    In both spaces, works by renowned artists including Alex Katz and Ethan Cook were sourced with the help of art advisor Elizabeth Margulies, and hand-painted tableware from Puglia adds an authentic touch.

    Private dining rooms with a long table below patterned wallpaper and fritted glass panels
    Behind the bar is a private dining room that can accommodate up to 45 guests

    “The design of Alba Accanto is exuberant and maximalist in style, utilizing bright colors to reflect the vibrance of Italian coastal cities like Positano,” said Levy, “while the design of Cucina Alba is polished, contemporary, and warmly inviting with wood accents, embodying the soul of Milan.”

    “We wanted to capture the distinct atmosphere of each city, and with Accanto, we achieved that same sense of vitality but with a maximalist approach,” he added.

    Exterior view of Thomas Heatherwick's Lantern House building, with a white and yellow striped awning
    Both Cucina Alba and Alba Accanto occupy the ground floor of Thomas Heatherwick’s Lantern House building in Chelsea

    GRT Architects has completed the interiors for two other Italian restaurants in New York City: the Michelin-starred Don Angie in the West Village, and the recently opened Bad Roman at Columbus Circle.

    Founded by Tal Schori and Rustam-Marc Mehta in 2014, the studio has amassed a portfolio that extends from Brooklyn townhouse renovations to ground-up builds in the Hudson Valley.

    The photography is by Peter Murdock.

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  • Ancient Ape Skull Suggests Human Origins May Lie in Europe, Not Africa

    Ancient Ape Skull Suggests Human Origins May Lie in Europe, Not Africa

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    • An ape skull found in Turkey may challenge the belief that human and ape ancestors came from Africa.
    • The discovery suggests that hominins may have first evolved in Europe.
    • Not all scientists are convinced by the theory, however.

    The discovery of an ancient ape skull may challenge the long-held belief that the ancestors of apes and humans came from Africa, a controversial new study says.

    The partial skull of the ape, called an Anadoluvius turkae, was found in Cankiri, Turkey, and appears to date back to 8.7 million years ago, Live Science reported.

    Meanwhile early hominins, which include humans, the African apes, and their fossil ancestors, are not seen in Africa until around seven million years ago.

    The discovery challenges the widely-held view that the ancestors of African apes and humans originated exclusively in Africa.

    Researchers say that this suggests that hominins might have first evolved in Europe before migrating to Africa.

    The skull

    The skull.

    Sevim-Erol, A., Begun, D.R., Sözer, Ç.S. et al.



    “Our findings further suggest that hominins not only evolved in western and central Europe but spent over five million years evolving there and spreading to the eastern Mediterranean before eventually dispersing into Africa, probably as a consequence of changing environments and diminishing forests,” said Professor David Begun, a paleoanthropologist from the University of Toronto and co-senior author of the study, per The Telegraph.

    “This new evidence supports the hypothesis that hominins originated in Europe and dispersed into Africa along with many other mammals between nine and seven million years ago, though it does not definitively prove it,” he said.

    In order to prove this, more fossils from Europe and Africa would need to be found from between seven and eight million years ago to try and find a link between the two groups, he added.

    The finding suggested that the ape would have weighed around 110 to 130 pounds, possibly lived in a dry forest, and likely spent a lot of time on the ground.

    The skull was found in 2015 but its significance was discussed in research recently published in the journal Communications Biology.

    Other researchers have said that the findings do not challenge our understanding of the origins of humans.

    “This has been a long-running debate regarding great ape and our origins,” said Professor Chris Stringer, research leader in human evolution at the Natural History Museum in London, The Telegraph reported.

    “I don’t think this find changes much from the discussions (in a recent paper in the journal Science) which concluded: ‘Current evidence suggests that hominins originated in Africa from Miocene ape ancestors unlike any living species.’”

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  • The Cost of Marble Countertops (2023)

    The Cost of Marble Countertops (2023)

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    Marble countertop costs between $2,000 and $5,000, with most homeowners paying around $3,000. This stone is a popular countertop choice for its elegance and durability. With many types and finishes, marble’s price can vary. Let’s explore the specifics of each type and the cost factors to make a more informed decision.

    Marble countertops cost

    Marble Countertop Costs by Type

    Marble is a metamorphic stone. It comes in different colors, patterns, veining and thickness.

    Calacatta

    This marble is from the Italian region Carrara. Calacatta has a bold white background with dark golden veins. One of the most expensive options, averaging at $180 per square foot.

    Carrara

    Homeowners use Carrara for countertops. Its characteristic colors are a whitish, bluish-gray background and light gray veining, making it perfect for the kitchen and bathroom. This marble usually comes in 2 to 3 inches thick slabs; its average price is $40 per square foot.

    Cultured

    As a manufactured marble, Cultured marble can match any home decor style and colors, making it very attractive for homeowners. It averages $65 per square foot.

    Danby

    Danby marble has a white to off-white background and dark gray veins. It has a distinctive luxurious and elevated look often used on floors. It averages about $80 per square foot.

    Makrana

    Many kitchens have Makrana countertops because of their density and affordability. It comes from India. Makrana has a creamy white background with light gray veins. It has an average price of $12 per square foot.

    Pink

    From Turkey, pink marble has unique rose and golden tones with red veins. It’s usually pre-ordered because it’s not so popular. It averages between $25 to $30 per square foot.

    Statuario

    Statuario is a luxurious material for modern kitchen countertops. This marble has a white background and gray and gold veins. The average is $50 per square foot.

    Travertine

    Travertine is also known as black marble. It has a range of gray and brown background colors. It’s used for countertops because of its durability and distinctive look. It averages $75 per square foot.

    Marble Countertop Cost Breakdown

    Here are some factors that determine the cost of marble countertops.

    Marble Slab Size and Thickness

    The most affordable countertops have slabs that are 3mm thick. Homeowners looking for a more luxurious appearance opt for a thicker stone of 5mm. There are standard counters between these two measures. Likewise, the size of the slab will also affect the price. The wider the slab, the more expensive the marble will be, as this is used to maintain vein patterns.

    Edge Design

    Square and eased edges are countertops finishes. They can affect the price of the marble installation. They have an average cost between $10 and $12 per linear foot. There are more expensive ones. Double bevel, Dupont square, and Cole Smith finishes can run between $36 and $40 per linear foot.

    Grading

    The average cost of the marble for a countertop will depend on its grading. The grading scale ranges from A to D:

    • A Grading. This marble has subtle colors and few veins. It has minor flaws, isn’t chipped or wasn’t damaged during transport. This is the most expensive marble.
    • B Grading. This marble can contain minor and overlooked flaws. The slab may appear cracked.
    • C Grading. This marble has greater flaws and appears a lot more chipping.
    • D Grading. This marble has chips and some flaws. This type has brighter colors and darker veins. It’s the cheapest option.

    Finish

    The type of finish can also add to the final cost of marble countertops:

    • Honed finish. A honed finish can cost between $10 and $20 per square foot. Most marble types can handle a honed finish. It gives the countertop a smooth, matte finish. It also gives the countertop a slight sheen, showing more wear and marks than a rough-honed finish.
    • Leathered finish. The average cost of leather finish ranges from $20 to $30. Here, the fabricator rotates a diamond-tipped brush over the surface. This attains the uneven texture of this finish. The leather finish does not have a reflective surface. Not all marble types are strong enough to have it.
    • Caressed finish. Caressed finishing can cost between $30 and $35. In caressed finishing, they polish the highest part of the marble. The finished result has a slight shine besides the texture of the leathering. This is one of the most exclusive finishes because not all fabricators provide it.

    Labor

    Labor costs are usually between $35 and $45 per hour. Projects take around 10 hours. The average pay is around $350 to $450 for the service. This price doesn’t include the cost of materials.

    Additional Costs to Consider

    Some other factors can affect the total cost of marble countertops.

    Removal and Disposal of Old Countertops

    The average removal and disposal of old countertops cost between $100 and $350. The price of removing old countertops will depend on their size and the company’s fees for this job.

    Additional Treatments and Repairs

    Some countertops need repairs to give the marble stone a refreshed look. Depending on how damaged or chipped the marble is, professionals can charge up to $600. This often involves paying additional hourly fees for the labor of $75 per extra hour. There can also be extra costs for the chemical treatment of the marble.

    Maintenance

    Marble is a porous stone and requires detailed maintenance to prevent stains. The best first step for its maintenance is sealing and treatment. Once treated, clean the surface with a mild cleanser and a soft cloth. It’s recommended to wipe dark-colored liquids immediately to prevent staining. To maintain a marble countertop, avoid using rough or abrasive materials. It’s preferable to use a pH-neutral cleaner formulated for marble.

    Additional Installations

    Extra installations can increase the cost by an average of $600. These include designing the layout, installing backsplashes, and additional details to match the countertops to the rest of the kitchen design.

    Are Marble Countertops Worth It?

    The allure of marble countertops is undeniable. With many types, finishes, and price points, homeowners can choose a marble that fits their aesthetic preferences and budget.

    While the initial investment can be substantial, the longevity and elegance of marble make it a worthy addition to any home. It’s essential to factor in the upfront costs, long-term maintenance, and potential additional expenses.

    By understanding the full spectrum of costs and considerations, homeowners can make an informed decision that will enhance the beauty and value of their homes for years to come.

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  • One of Russia’s Richest Oligarchs Says He’s a ‘Pariah,’ Living in Dubai

    One of Russia’s Richest Oligarchs Says He’s a ‘Pariah,’ Living in Dubai

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    • One of Russia’s richest men, Andrey Melnichenko, said the Ukraine war had made him a “pariah.”
    • Melnichenko now lives in the UAE, where his $300 million Motor Yacht A is moored.
    • His $578 million Sailing Yacht A was seized by Italian authorities shortly after he was sanctioned.

    One of Russia’s richest individuals said he’d become a “pariah” in the United Arab Emirates where he fled after being sanctioned.

    In an extensive interview with the Financial Times, Andrey Melnichenko decried the effects of Russia’s invasion of Ukraine on his personal life, while also saying there were “war crimes from both sides” in the conflict.

    Melnichenko was sanctioned in March last year after attending a roundtable of Russian business figures hosted by Vladimir Putin in February.

    The businessman, who made his money from coal and fertilizers, previously said that he only found out he had been sanctioned when he read about it in the news.

    “I don’t make weapons for the war. I make food for people and energy for power stations all over the world. I don’t promote the war. I’m not involved in politics. What’s the point?” Melnichenko told the FT.

    Melnichenko berthed his $300 million Motor Yacht A in the UAE last year. His $578 million Sailing Yacht A was seized by Italian authorities shortly after he was sanctioned.

    His net worth more than doubled to about $25 billion after the invasion and subsequent sanctions on Russia forced a spike in fertilizer prices, per Forbes.

    Sanctions against Russian oligarchs have changed the lives of several influential billionaires who previously spent much of their time in the West.

    Former Chelsea FC owner Roman Abramovich, for example, was forced to sell the club and now resides in Israel, per Le Monde.

    Oligarchs had a collective $95 billion wiped off their net worth last year, according to Guardian analysis of Bloomberg Billionaires Index data.

    Last week, the FT reported that tech billionaire Arkady Volozh had appealed sanctions placed on him by the EU, just days after he first criticized the war.

    Oleg Tinkov managed to get sanctions against him in the UK lifted after slamming Putin’s invasion of Ukraine and getting the backing of British business tycoon Richard Branson.

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  • Five key projects by interior designer and Dezeen Awards judge Little Wing Lee

    Five key projects by interior designer and Dezeen Awards judge Little Wing Lee

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    Interior designer Little Wing Lee has joined Dezeen Awards 2023 as a judge. Here, she selects five projects that best reflect her work.

    Lee’s interior design practice Studio & Projects creates spaces and products for cultural, commercial and residential clients, taking a “narrative approach to design”

    “My designs are always informed by context, location and function,” Lee told Dezeen. “I always think about the project’s story and connect that to the design decisions I make.”

    Lee is also the founder of Black Folks in Design, an organisation which raises awareness and promotes the culture and importance of Black designers. She was named the first winner of the Female Design Council and NicoleHollis Grant recognising women of colour-led interior design firms located in the US.

    “The grant was an investment in my talent and skill and helped me sustain my momentum to build and invest in future projects,” said Lee.

    Lee is currently working on a collection with Mexican rug brand Odabashian and the launch of a new lighting collection as well as several museum and restaurant projects.

    Lee among Dezeen Awards 2023 judges

    Dezeen Awards 2023, in partnership with Bentley Motors, is closed for entries. The longlists will be published on Dezeen in two weeks.

    Other judges joining Lee this year include architects Jason Long and Zhu Pei, interior designers Diana Radomysler, Colin King and Martin Brudnizki, and designers Yves Béhar, Ineke Hans and Lani Adeoye.

    Read on to find Lee’s views on the five projects that best represent her work:


    National Black Theatre

    National Black Theatre

    “National Black Theatre is a unique project as it combines public, performance, and residential spaces.

    “It is a historic major capital redevelopment project that will transform the current property into a 21st-century destination for Black culture through theatre.

    “This project will anchor and recapitalise the institution with a 250-seat flexible temple space and a 99-seat studio theatre.

    “As part of the same project, the developer Ray is also working on National Black Theatre Way, a building on 2033 5th Ave which will house residential, event and retail spaces.”


    OKRA

    OKRA for Odabashian

    “OKRA was the first design by Studio & Projects from our upcoming rug collection with manufacturer Odabashian.

    “The collection will be carried by Verso with additional designs exhibited this summer in their Bridgehampton gallery.”


    Ace Hotel Toronto by Little Wing Lee

    Ace Hotel Toronto

    Ace Hotel Toronto opened in July 2022 and is the brand’s first location in Canada.

    “The 123-room hotel was designed by revered Toronto firm Shim-Sutcliffe Architects, led by Brigitte Shim and Howard Sutcliffe, in collaboration with Atelier Ace with me as the Atelier Ace/Ace Hotel Group present design director.”


    Black Folks Design by Little Wing Lee

    Black Folks in Design

    “Black Folks in Design (BFiD) is a network that connects Black designers within and across disciplines to support each other and share professional opportunities.

    “We help people understand the excellence, contributions and importance of black designers to create economic and portfolio-building opportunities for Black designers.”


    National Museum of African American History and Culture exhibitions

    “The National Museum of African American History and Culture (NMAAHC) at the Smithsonian Institution in Washington DC is the only national museum devoted exclusively to the documentation of African American life, history and culture.

    “The museum helps all Americans see how their story, their history, and culture are shaped and informed by global influences. It explores what it means to be an American and shares how values like resiliency, optimism and spirituality are reflected in African American history and culture.”

    Dezeen Awards 2023

    Dezeen Awards celebrates the world’s best architecture, interiors and design. Now in its sixth year, it has become the ultimate accolade for architects and designers across the globe. The annual awards are in partnership with Bentley Motors, as part of a wider collaboration that will see the brand work with Dezeen to support and inspire the next generation of design talent.

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