Disney & Amazon Advertising Units Team Up: 'We're Breaking Down Traditional Barriers Between Content And Commerce'
The advertising divisions of Amazon and Disney are joining forces to open up new opportunities for streaming buyers.
Under the partnership, Disney's Real-Time Ad Exchange and Amazon's demand-side platform (DSP) are being integrated. The team-up will give advertisers direct access to Disney premium inventory on Disney+, ESPN, Hulu and other platforms. Buyers will also be able to gain data from both companies that will make targeting more precise and incomes more efficient, the companies said.
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The initiative was announced at Cannes Lions, a day after Amazon's DSP also forged a major pact with Roku, giving advertisers access to more than 80% of U.S. connected-TV households.
The Amazon-Disney pact will deliver curated deal packages through products like Disney's Magic Words contextual targeting and the upcoming connection to Disney Select, Disney's proprietary data offering.
Advertisers on Amazon DSP will also soon be able to create specialized campaigns matching Disney's audience data with browsing, streaming and purchase insights from Amazon Ads. Enabling that specialization will be a direct collaboration between Amazon Publisher Cloud and Disney Compass, a data collaboration platform providing seamless access to all its planning, activation, and measurement capabilities.
In an example provided by Amazon and Disney, a pet food brand could reach viewers who both watch Disney programming and have an interest in pet products sold on Amazon.com.
Kelly MacLean, VP of Amazon DSP at Amazon Ads, called the collaboration 'a significant leap forward in advertising effectiveness.' She added, 'We're breaking down traditional barriers between content and commerce signals, allowing advertisers to deliver more meaningful experiences to viewers. By connecting Disney's premium content with Amazon's deep consumer understanding, we're creating advertising that works better for everyone – brands reach the right audiences, publishers maximize their inventory value, and viewers see more relevant ads.'
By hooking up with Amazon, 'we're enabling greater accessibility to inventory and audience signals that translate into meaningful results for advertisers leveraging Amazon DSP,' said Matt Barnes, VP of Programmatic Sales, Disney Advertising. 'Disney has been on a decades-long journey to unlock data and insights that reflect how our audiences watch and engage with our content. That knowledge has helped us move the needle for our clients and deliver better results–and this integration raises the bar for the wider industry.'
Amazon and Disney will begin implementing the integrations with a select group of advertisers in the coming months. Disney+ inventory is also now available through Amazon DSP in France, Germany, Italy, Portugal, Spain, Switzerland, Turkiye, and the UK – allowing Amazon DSP customers to access it in those territories.
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CNET
7 minutes ago
- CNET
Want a 5% Mortgage Rate? These 7 Moves Could Get You There
Tharon Green/CNET Over the last several years, record-high home prices and high mortgage rates have made homeownership unaffordable. As 30-year fixed mortgage rates remain flat near 7%, homebuyers have been finding creative ways to score rates below what lenders advertise. Last year, nearly half of buyers purchased a home at a rate below 5%, according to Zillow. "With borrowing costs elevated, buyers can take steps to reduce their housing expenses by securing a lower mortgage rate," said Hannah Jones, senior research analyst at The market forces that influence mortgage rates are out of your control. Yet proven strategies like optimizing your credit score, making a larger down payment, shopping around and negotiating with multiple lenders can save you up to 1.5% on your personalized rate. Mortgage rates aren't expected to drop below 6% in 2025. Snagging even a 1% reduction in your rate can translate to about 10% savings on your monthly mortgage payment and tens of thousands of dollars in savings over the course of your loan. Here's how homebuyers can get lower interest rates in today's housing market. 1. Increase your credit score If your credit needs work, consider taking steps to raise your credit score before applying for a mortgage. Lenders look at your credit score to decide whether you qualify for a home loan and what interest rate you receive. FICO credit scores range from 300 to 850, with 850 being the best score possible. Higher credit scores show you've managed debt responsibly in the past, so it lowers your risk to a lender. This can help you secure a lower interest rate and save big. "The best mortgage rates and products are typically reserved for those with a credit score of 740 or better," said Sarah DeFlorio, vice president of mortgage banking at William Raveis Mortgage. According to a 2024 Lending Tree study, when borrowers moved from the "fair" credit score range (580 to 669) to the "very good" range (740 to 799), they shaved 0.22% percentage points off their interest rate. That rate difference helped borrowers save $16,677 over the lifetime of a home loan. 2. Make a bigger down payment Your down payment is the amount of money you contribute to your home purchase upfront. Each type of home loan comes with a minimum down payment, usually ranging from zero to 5%, but a higher down payment means a cheaper interest rate. That's because the lender takes on less risk when you contribute more toward the loan. Because a down payment lowers your mortgage rate and builds your home equity, home loan experts often recommend making a large down payment of at least 20%. 3. Take out an adjustable-rate mortgage An adjustable-rate mortgage, or ARM, is a home loan with a fixed rate for a set introductory period, such as five years. Once that period ends, the interest rate can go up or down in regular intervals for the remaining term. The big appeal of ARMs is that the introductory interest rate is often lower than the rate on traditional mortgages. In general, the average 5/1 ARM rate is about 0.5% lower for the first several years than the average rate for 30-year fixed-rate mortgages. 4. Negotiate your mortgage rate When you're applying for mortgage loans, you don't have to go with the company that did your preapproval. In fact, research shows that getting rate quotes from multiple lenders and comparing offers can result in significant savings. If you want to use this strategy, start by submitting a mortgage application with lenders that fit your criteria. Once you have a few loan estimates in hand, use the best one to negotiate with the lender you want to work with. The loan officer may lower your rate, help you save on closing costs or offer other incentives to get you onboard. In a 2023 LendingTree survey, 39% of homebuyers negotiated the interest rate on their most recent home purchase. Out of that pool of buyers, 80% were able to get a better deal. 5. Choose a shorter home loan term Nearly 90% of homebuyers choose a 30-year fixed mortgage term because it offers the most flexibility and monthly payment affordability. Payments are lower because they're stretched over a longer timeline, but you can always put more toward the principal here and there. But when you take out a longer-term home loan, "you're holding up the lender's money, and there's an opportunity cost for the funds to be invested elsewhere," said Nicole Rueth, SVP of the Rueth Team Powered by Movement Mortgage. Shorter loan terms, such as 10-year and 15-year mortgages and ARMs, have lower interest rates, so you can reduce your rate now. Choosing a shorter repayment term could help you save money because you'll be paying less in interest over the long term. But don't make the homebuying mistake of choosing a shorter loan term just for the lower rate. Shorter loan terms mean you'll have less time to repay the money you borrow, resulting in higher monthly payments, so it's important to ensure they fit within your budget. 6. Buy mortgage points A mortgage point, also known as a mortgage discount point, is an upfront fee you can pay the lender in exchange for a lower interest rate on your home loan. Each point costs 1% of the purchase price of a home and usually knocks the rate down by 0.25%. On a $400,000 home, you'd pay $4,000 for one discount point. The lender may even allow you to buy four mortgage points to lower the rate from 7% to 6%, although you'd have to shell out $16,000 to get there. To check whether this strategy is worthwhile, take the total cost of the points and compare it to the overall monthly savings. In this case, when you pay $16,000 to buy four points and save $210 per month, it would take you more than six years to reach your break-even point. Some experts encourage putting any extra money you have toward a down payment instead of buying points. That's because if you sell the home or refinance before reaching your break-even point, you lose money. But the amount you spent on your down payment becomes part of your equity. 7. Get a temporary mortgage rate buydown A temporary mortgage rate buydown involves paying a fee at closing to lower your interest rate for the first few years of your loan term. Because of the considerable upfront cost, this strategy only makes financial sense when someone else pays that fee. Home builders, sellers and even some lenders may offer to cover this type of buydown to boost sales, especially when market rates are elevated. For example, a lender may offer a "3-2-1" buydown, where the interest rate is slashed by 3 percentage points in the first year, 2 percentage points in the second year and 1 percentage point in the third. Starting in the fourth year, you pay the full rate for the rest of the loan term. Buyers often choose a temporary buydown and plan to refinance later. Your buydown funds are refundable, and you can use them toward closing costs when you refinance (if rates do drop). What is a 'good' mortgage rate? The majority of US adults would consider purchasing a home if rates were to drop to 4% or below. Yet most mortgage forecasts don't project average rates falling drastically short of a major economic downturn or global catastrophe. In a historical sense, a good mortgage rate is generally at or below the national average. Since 1971, the 30-year fixed mortgage rate has averaged 7.72%, according to Freddie Mac. In the last year, average mortgage rates have mostly fluctuated between 6% and 7%. Affordability is relative to your overall financial situation. And because mortgage rates can change daily and even hourly, the definition of a "good" rate can change quickly. "What matters is the rate you can get today," said Colin Robertson, founder of The Truth About Mortgage. According to Robertson, the only way to know if you're getting a good deal is to speak with a few different lenders and brokers and then compare their quotes against the daily or weekly averages. Buying a home is a personal decision, so it should feel right for your situation and budget. As you shop for a home, consider multiple strategies to lower your rate. A mortgage calculator can help you estimate what you'd pay each month. Read more: Still Chasing 2% Mortgage Rates? Here's Why It's Time to Let Them Go Watch this: 6 Ways to Reduce Your Mortgage Interest Rate by 1% or More 02:31


Geek Girl Authority
7 minutes ago
- Geek Girl Authority
Creative Side Hustles for Women Who Love Design and Art
Creativity and individuality are values consistently on the rise, and women who love design and art are in a unique position to potentially turn their passions into side hustles with worthwhile income possibilities in sight. If you're one of the following: a full-time professional, a stay-at-home mom, or somewhere in between, there are countless ways to channel your artistic talents into profits – without compromising your love for creating. Here, we explore some of the most rewarding and flexible creative side hustles for women who live and breathe design and art. From hands-on crafts to digital design, there's something here for almost every inventive spirit. 1. Freelance Graphic Design Suppose you have a flair for visual storytelling and experience with tools like Canva, Adobe Illustrator, or Photoshop. In that case, freelance graphic design is one of the most accessible and in-demand side hustles. Businesses, bloggers, influencers, and startups are constantly looking for help with logos, social media graphics, flyers, packaging, and more. Getting started: Create a small portfolio with 5-10 strong pieces that showcase your style and versatility. You can find clients on platforms like Upwork, Fiverr, and 99designs or by reaching out to local businesses and online creators. Pro tip: Niching down (like offering branding specifically for women-owned businesses or social media graphics for coaches) can help you stand out and attract your ideal clients. 2. Sell Printable Art or Templates on Etsy Etsy is a goldmine for women who love creating beautiful things – and one of the most passive forms of creative income is selling digital products. From printable wall art to wedding invitation templates, calendars, planners, or social media kits, you can create once and sell indefinitely. Why it works: You don't need inventory or shipping logistics. All you need is your creative design, a few mockups, and a platform to sell on. Tools to use: Canva Pro is great for beginners, while Adobe Creative Suite offers more flexibility for advanced users. Use a tool like Creative Market to find assets, and mockup generators like Placeit to showcase your work professionally. 3. Start a Custom Stationery or Illustration Shop If hand-drawing or watercolor painting is your thing, you can build a unique brand around custom illustrations or stationery. People love personalized artwork – especially for weddings, baby showers, anniversaries, and holiday gifts. Ideas include: Custom pet portraits Illustrated family portraits Personalized greeting cards or thank-you notes Wedding invitation sets with a hand-painted touch Selling options: Create a shop on Etsy or Shopify, or promote your work on Instagram and TikTok. You can also offer downloadable versions or take commissions on request. 4. Surface Pattern Design Surface pattern design involves creating patterns that can be printed on everything from fabric to phone cases, mugs, wallpaper, and home decor. It's a fantastic creative niche for artists who love playing with colors, textures, and patterns. Where to sell: Upload your patterns to platforms like Spoonflower, Redbubble, or Society6. These print-on-demand services handle production and shipping while you earn a commission on each sale. Skillset needed: You'll want to be comfortable with seamless pattern creation with tools on platforms like Adobe Illustrator or Procreate. Many artists also license their designs to fabric companies or brands. 5. Web Design or UX/UI Design If you have a creative eye and some tech-savvy abilities, web design could be a lucrative side hustle that blends artistry with function. Many small businesses and entrepreneurs struggle with creating beautiful, user-friendly websites and are happy to pay for a designer who understands their aesthetic. Platforms like: Squarespace WordPress Showit Webflow …make it easier than ever to design without advanced coding knowledge. How to get started: Offer to redesign a few websites or create templates for practice. Build a mini portfolio and start networking in online communities, especially women-led entrepreneur groups on Facebook or LinkedIn. 6. Teach What You Know (Online or Locally) If you've mastered a creative skill – like watercolor painting, calligraphy, or even DIY home decor – you can monetize that knowledge by teaching others. Women love learning from other women, especially in a creative, supportive environment. How to teach: Host online classes through platforms like Skillshare, Teachable, or Gumroad Offer live Zoom workshops Partner with local art studios or community centers Start a Patreon or private membership for exclusive tutorials Bonus: Teaching builds your credibility and personal brand and is great if you want to grow into a larger creative business down the road. 7. Creative Content Creation Design-loving women with a knack for styling and photography can create content for brands, especially within something personally appealing – this could include the lifestyle, home, fashion, or wellness niches. You don't have to be a full-time influencer to do this; you can work behind the scenes to style flat lays, shoot product photos, or design Instagram feeds. What you can offer: Styled photography for Etsy shops Instagram reels with a design focus Blog headers or Pinterest graphics Branded templates and Canva kits You can pitch these services directly to small brands or join influencer/content platforms like Aspire, Cohley, or Trend. Final Thoughts Side hustles don't have to be stressful or disconnected from your passion. As a creative woman, you already have the tools to build something beautiful and income-generating. Whether you're doodling in your sketchbook, styling your home, or experimenting with color palettes, there's a way to turn your talent into a side hustle that aligns with your lifestyle and values. The key is to start where you are, use your existing tools, and grow one step at a time. The world needs more beauty – and your art might be someone's favorite new find. DOCTOR WHO: 5 Jaw-Dropping Moments From the Season 2 Finale RELATED: TV Review: Doctor Who Season 2 Episode 4, 'Lucky Day'


Geek Girl Authority
7 minutes ago
- Geek Girl Authority
T4TNG: The Accidentally Trans STAR TREK: THE NEXT GENERATION Episode
Continuing our Pride Month Star Trek coverage, we're turning towards a Star Trek: The Next Generation episode that 'no homo'd' so hard, it accidentally became a prescient transgender allegory. For this week's Trek Tuesday , we're considering The Next Generation Season 5's 'The Outcast.' 'The Outcast' The seventeenth episode of Star Trek: The Next Generation Season 5, 'The Outcast,' was originally broadcast on March 26, 1992. The U.S.S. Enterprise-D is assisting a species called the J'naii. What makes this species remarkable is that they are androgynous. As explained over the course of the episode, the majority of the species view binary gender as something they collectively evolved beyond in the past. In addition to an androgynous gender presentation, the J'naii no longer have biological gender diversity. When it comes to reproduction, both partners inject their DNA into an external womb. Furthermore, the J'naii do have a gender-neutral pronoun. However, it is stated that there is no direct translation for these pronouns. RELATED: Geek Girl Authority Crush of the Week: Jennifer 'Jen' Sh'reyan In the episode, William T. Riker (Jonathan Frakes) meets a particular member of the J'naii species: Soren (Melinda Culea). Soren and Riker and assigned to work together closely on the project with which the Enterprise is assisting the J'naii. From the outset, Soren displays a particular interest in the human approach to binary gender. Eventually, she explains to Riker that some members of her species possess binary gender. Soren is one of them. But then she tells Riker a heartbreaking story about what happens to these gendered J'naii. In addition to ridicule, 'psychotectic therapy' is utilized. This stand-in for conversion therapy brainwashes these gendered individuals into believing they are androgynous. Afterwards, they are reintegrated into J'naii society. At the conclusion of the episode, Soren is identified as a 'gender deviant,' and after a bogus trial, she is placed into psychotectic therapy. When Riker reunites with her in the final scenes, she has been fundamentally altered. The Soren he knew is gone. The Final Front-queer Written by Jeri Taylor and directed by Robert Scheerer, 'The Outcast' is a standout episode of The Next Generation. Today, with the oppressive American regime targeting the trans community specifically, it is difficult to read the episode as anything besides an allegory about trans acceptance. But part of why the episode works so well with this reading is because punches were pulled regarding the original intention of the story. When 'The Outcast' aired in the early 1990s, the broader discourse regarding the LGBTQ+ community was centered on gay people. Just as the weapon of conversion therapy can be aimed towards trans people, it can be aimed at gay people, too. In order to ensure that the episode wasn't too 'controversial,' a woman was hired to play Soren rather than a man. RELATED: The Premise and How Star Trek Fans Created Fanfic As We Know It Decades later, Frakes expressed his regret at the shift in casting. He expressed this sentiment in a 2021 episode of After Trek centering on the Star Trek: Discovery episode 'Vaulting Ambition.' In that episode of After Trek , he stated: 'Clearly, the character who […] fell in love with Riker or vice versa should have been played by a man, and the people at the studio didn't have the guts to cast a man.' This wasn't the first time that The Next Generation approached gay representation. David Gerrold, who famously wrote the script for the classic Star Trek: The Original Series episode 'The Trouble with Tribbles,' wrote a script for The Next Generation that was never made into an actual episode. In 'Blood and Fire,' two characters were alluded to be gay, and the episode at large dealt with the AIDS crisis. The Trans Read Casting a woman as Soren may have been a decision made in order to make the romance between her and Riker seem less controversial. However, thirty-three years later, this makes the episode seem more like a trans allegory. Part of the Star Trek approach is to address real-world social concerns through the lens of science fiction. This allows for the show to include discussion and analysis of themes that might be otherwise considered outside of the purview of 'television entertainment.' There are many examples of this tactic throughout the history of the Franchise. One of the earliest and most frequently cited episodes to utilize the approach is The Original Series Season 3's 'Let That Be Your Last Battlefield.' RELATED: Star Trek : The Trans Trill, Explained There is a reason that an episode that was written with gay people in mind can today be viewed as a trans allegory. This is because the social and legal pressures that were applied to gay people in the 1990s are so similar to the social and legal pressures that are being applied to trans people today. While conservative extremists may have trans people on the top of their target list, they are prejudiced against the whole LGBTQ+ community. They do not see any part of our community as people. Or at best, they perceive us to be people who are 'broken,' and need to be fixed with conversion therapy. Soren Nevertheless, it is remarkable how many of Soren's statements could be straight out of a contemporary trans person's mouth. In the climactic scene, she states, 'I am tired of lies. I am female.' She continues that she was 'born this way.' She says, 'It is not unnatural. I am not sick because I feel this way; I do not need to be helped; I do not need to be cured. What I need, and what all of those who are like me need, is your understanding and your compassion.' Later in her monologue, she states that people like her are 'called misfits and deviants and criminals.' It is not hard to see how these statements could apply in response to the prejudice that trans people face today. For example, it was recently falsely claimed on The Benny Show that the trans community 'is per capita the most violent domestic terror threat if not in America, probably the entire world.' This is a lie. We are not misfits, deviants or criminals. We are Americans who simply wish to live our lives. RELATED: Star Trek : Tracing the Holodeck's History Soren's entire climactic speech is equally as relevant as these excerpts. In order to fully appreciate it, please watch (or rewatch) the episode for yourself. However, Soren's speech is not enough to sway her fellow J'naii. As mentioned above, the episode concludes with her having undergone psychotectic therapy. Drained of the passion she once possessed, she is no longer the same person she was. Ad Astra Per Aspera For some, the decision to conclude the episode with Soren's identity having been eradicated by psychotectic therapy is controversial. However, I would argue the ending is necessary. Furthermore, it is clear from the powerful final shot that the experience weighs heavily on Riker. This is not meant to be a stable ending. This is meant to be an ending that forces the viewer to consider their own worldview and ask themselves some very difficult questions. RELATED: Star Trek Episode Trilogy: Revisiting 'Unification' Today, the spectre of forced conversion therapy is once again becoming more mainstream. For this reason, 'The Outcast' is more relevant than ever. To look the other way from the immoral forces pushing for conversion therapy is to allow innocent people to be subjected to this barbaric abuse. To borrow a tagline from 1951's The Day the Earth Stood Still, 'The Outcast' is a warning… and an ultimatum. Will you heed its moral? Star Trek: The Next Generation's 'The Outcast' is currently available for streaming on Paramount+. STAR TREK: 5 Alternate Lives Avery Kaplan is the author of several books and the Features Editor at Comics Beat. She was honored to serve as a judge for the 2021 Cartoonist Studio Prize Award and the 2021 Prism Awards. She lives in the mountains of Southern California with her partner and a pile of cats, and her favorite place to visit is the cemetery. You can also find her writing on Comics Bookcase, NeoText, Shelfdust, the Mary Sue, in many issues of PanelxPanel, and in the margins of the books in her personal library.