Unlabeled graphic To get missing image descriptions, open the context menu. link Disclosures link Unlabeled graphic snacks Auditioning to be the Taco Bell Business School mascot Patricia Marroquin slash Moment via Getty Images Yesterday’s Market Moves Dow Jones 34,365 ( plus 0.29 percent ) S and P 500 4,410 ( plus 0.28 percent ) Nasdaq 13,855 ( plus 0.63 percent ) Bitcoin $36,390 ( plus 0.31 percent ) Hey Snackers, Looking for a tomato ey taste of what it’s like to be royal? Queen Elizabeth is said to be link releasing a line of condiments, and a small bottle of Her Majesty’s ketchup could be yours for £7 ($9.50). Stocks closed higher yesterday after plunging last week. link Bitcoin link rose from its six month low after falling below $33K at one point half what it was worth at its November peak. On the Omicron front: Free N 95 masks have started landing at US pharmacies, and cases in New Jersey appear to have peaked. GRANDE Insurance giants offer perks like Starbucks discounts and Prime subs for safe driving Going 50 in a 30… Forget the free cold brew. Safe drivers can now link earn discounts at link Starbucks through a data sharing deal between life insurer John Hancock and car insurer link Allstate dot Hancock customers already earn discounts on life insurance, Starbucks lattes, and link Amazon Prime subs for making healthy lifestyle choices. Think: getting 10K steps in or eating kale. Now they’ll also get perks for driving safely. list with 3 items bullet Different datasets: Hancock uses health data from link Apple Watches and link Fitbits to inform life insurance prices, and Allstate uses driving data from GPS systems to help set car insurance prices. bullet But safer drivers don’t just crash less… they also live longer. That’s why Hancock is incentivizing its life insurance customers to enroll in Allstate’s tracking program to earn rewards for not speeding. bullet Win win: Both insurers hope to gain access to each other’s customers by giving them more ways to earn rewards. out of list Surveillan surance… is becoming more popular as data collection gets easier. In 2018, Hancock became one of the first major US life insurers to use personal health data to set all its prices. Today many insurers like United Healthcare, link Oscar Health , and link CVS owned Aetna also use interactive systems to track and reward customers for risk reducing behaviors. Like: jogging or getting a mammogram. THE TAKEAWAY There’s a trade off between savings and privacy… Data tracking programs let Hancock customers save money on insurance premiums and lattes. But those savings come at a cost in some cases nearly constant surveillance. Critics of data driven pricing programs link worry they could be problematic for other insurers too. Think: health insurers denying coverage to people with preexisting conditions. As connected devices increase, so will the prevalence of consumer data. CRUNCH Taco Bell opens a business school, because the most in demand ingredient is retention Welcome to Taco B school... where an MBA comes with a CGC (Cheesy Gordita Crunch). Taco Bell is link launching a business school for aspiring franchisees in partnership with the University of Louisville. The six week boot camp will train existing Taco Bell managers on financing, HR, marketing, and other topics related to running a business. TB employees who are accepted will receive scholarships to cover tuition, plus some enviable Taco B school link swag dot list with 3 items bullet Most of Taco Bell's 7K locations are link franchised , aka: owned by ordinary people or orgs. Taco Bell sells the rights to use its brand (as long as the gorditas are crunchy, no one knows who owns it). Franchise owners give TB a cut of their sales. bullet The new program will be supported through the Yum Center for Global Franchise Excellence, which aims to unlock opportunities for underrepresented communities through education on the business of franchising. bullet Ken Taco Hut: TB's parent, link Yum Brands , also owns KFC and Pizza Hut. Yum shares are up 18 percent over the past year as drive thrus plus fried foods equals pandemic comfort. out of list Taco baseball cap... T Bell isn't the only chain to start a school for employees: link Mc Donald's Hamburger University has been link training managers and franchisees for 60 years, and California staple In N Out link runs a university for new managers. list with 1 items bullet While fast food jobs are often seen as stepping stones to other careers, TB wants to show restaurant leaders how their careers could flourish at Taco Bell. out of list THE TAKEAWAY There’s nothing tastier than retention… because internal marketing has never been more important. The Great Resignation is real: US job openings soared during the pandemic as workers quit for greener pastures, while employers dangled wage hikes and benefits like free college tuition to attract flighty labor. The restaurant industry still hasn’t recovered the link 650K jobs lost early in the pandemic. Benefits like educational development could be the difference between shuttered chains and a thriving business. What else we're Snackin' list with 5 items bullet link Independent : link Intel plans to build Earth’s largest chip manufacturing plant on US soil, as the global chip shortage continues disrupting supply chains and President Biden pushes for increased domestic production. bullet link Sue gle : link Google was sued by four attorneys general over misleading users about when their locations were being tracked while profiting from the alleged deception by using the data to fuel its ad biz. bullet link Cron : American restaurants are asking Congress for more grant $$, as indoor dining has fallen since Omicron hit. The $28.6B in aid that lawmakers extended last year reportedly saved 900K jobs. bullet link Crisis : As concerns mount over a Russian invasion of Ukraine, the US and EU are preparing to respond with sanctions. Since Europe conducts more trade with Russia, it would be hit harder economically than the US. bullet link Depart : link Kohl’s stock surged 36 percent yesterday as the struggling department store flirted with takeover offers from suitors. PE firm Sycamore is reportedly willing to pay a big premium on the shares. out of list cookie Thanks for Snacking with us! Want to share the Snacks? Invite your friends to sign up link here dot The Snacks Daily Podcast Tech stocks are down about 15 percent from their November peak. But we’ve been here before: The tech heavy Nasdaq has now had 67 corrections since 1971. link Tune in to hear why some say this one may be less like a bursting bubble and more like a deflating balloon. link Unlabeled graphic apple link Unlabeled graphic spotify Snack Fact Of the Day link Financial aid is so complex that US college grads left behind $3.75B in free aid in 2021 Tuesday list with 1 items bullet Earnings expected from: Microsoft, Johnson and Johnson, Verizon, Texas Instruments, American Express , General Electric, 3M, Lockheed Martin, Capital One, and Alaska Air out of list Authors of this Snacks own: Bitcoin, and shares of Apple, Starbucks, CVS, Microsoft, and Google ID: 2005618 Robinhood Snacks newsletters and podcasts reflect the opinions of only the authors who are associated persons of Robinhood Financial LLC (Member link SIPC and do not reflect the views of Robinhood Markets, Inc. or any of its subsidiaries or affiliates. They are for informational purposes only, and are not a recommendation of an investment strategy or to buy or sell any security, digital asset (cryptocurrency, etc) in any account. They are also not research reports and are not intended to serve as the basis for any investment decision. Any third party information provided therein does not reflect the views of Robinhood Markets, Inc dot , Robinhood Financial LLC, or any of their subsidiaries or affiliates. All investments involve risk including the loss of principal and past performance does not guarantee future results. link Robinhood Terms and Conditions bullet link Disclosure Library bullet link Our Editorial Principles bullet link Contact Us bullet link FAQ link Manage Your Subscription Preferences