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en-US BI Feed for Feedburner Sun, 20 Nov 2016 21:27:45 -0500 Zend_Feed_Writer 1.12.3 (http://framework.zend.com) http://www.businessinsider.com Barack ObamaAP Photo/Andrew Harnik

President Barack Obama told reporters Sunday that he’s not worried about being the last Democratic president — “not even for a while.”

But the president, speaking to reporters at an economic cooperation summit in Lima, did acknowledge the Democratic Party has some soul-searching to do.

“I am not worried about being the last Democratic president … not even for a while,” Obama said during a press conference. “And I say that not being cute — the Democratic nominee won the popular vote, and obviously this is an extremely competitive race, and I would expect that future races will be competitive.”

Earlier this year, when a Donald Trump victory still seemed a long shot, former President George W. Bush said he feared he would be the last Republican president. The comments prompted a Fox News reporter to ask Obama on Sunday if he felt the same way about his party, now that the tables have turned and that Republicans control all three branches of the federal government, nearly two-thirds of state legislatures, and more than 30 governorships.

“I certainly think it’s true that politics in America right now are a little bit up for grabs. That some of the old alignments in both parties, Democrat and Republican, are being reshaped,” Obama said. “Democrats do have to do some thinking about how do we make sure that the message we have is received effectively and results in winning elections.”

Reports of infighting in the Democratic Party began surfacing in the days following Trump’s surprise win in this month’s election. Party leaders are preparing for years of self-examination as it struggles to move forward.

Obama suggested that the Democratic election strategy of “micro-targeting” specific demographic groups — like the black and Hispanic voters that were crucial for Democratic nominee Hillary Clinton — may not be the most effective strategy.

“One message I do have for Democrats, that a strategy that’s micro-targeting particular discreet groups in a Democratic coalition sometimes wins the election, but it does not win you the broad mandate you need,” Obama said.

He added: “And the more we can talk about what we have in common as a nation and speak to a broad set of values, a vision that speaks to everybody, and not just one group at a time, the better off we will be.”

NOW WATCH: A model that has correctly predicted the presidential election since 1980 says Clinton will have a landslide victory

]]> Sun, 20 Nov 2016 21:25:48 -0500 Sun, 20 Nov 2016 21:25:51 -0500 http://www.businessinsider.com/obama-last-democratic-president-trump-2016-11 http://www.businessinsider.com/obama-last-democratic-president-trump-2016-11?utm_source=feedburner&amp;utm_medium=referral [email protected] (Mark Abadi) Mark Abadi Buying an asset at a 25 percent discount is a great deal. It’s means that much easier to make money on an investment. And this is the case with some of China’s biggest and best companies right now.

Chinese companies listed on mainland exchanges, like Shanghai or Shenzhen, are called A-shares. These are denominated in Chinese yuan, and are what local Chinese investors buy and sell.

But the Chinese government allows some of these companies to also list shares on the Hong Kong exchange. They fall under the jurisdiction of Chinese law, but trade in Hong Kong dollars – just like any other stock on the Hong Kong exchange.

They’re called H-shares. They’re available to foreign investors… and they’re one of the best ways to invest in China.

1 6Truewealth Publishing

The H-share discount
 
It’s not uncommon for a large Chinese company to have both an A-share listing (shares that only trade on mainland exchanges) as well as an H-share listing.

But H-shares often trade at a discount to A-shares. How much of a discount?
The graph below shows the Hang Seng China AH Premium Index, which reflects the historical A-share/H-share premium/discount for the 63 largest dual-listed Chinese stocks (which are shares that trade on a mainland exchange as well as the Hong Kong Exchange).

It shows that A-shares, after a period of trading at a slight discount to H-shares in 2014, have widened their premiums to the point where dual-listed stocks trade about 25 percent higher on the mainland than in Hong Kong.

2 4Truewealth Publishing

No one has a perfect explanation for why this happens.

It might have to do with a different investor base for A and H-shares. Individual and retail mainland investors dominate A-shares trading. Broadly speaking, these investors are more prone to bouts of over-exuberance, followed by rampant selling. But Hong Kong is home to more institutional investors, who tend to emphasise fundamentals and valuations.

Also, technical factors, such as the difficulties involved in cross-border trading between mainland and Hong Kong exchanges, play a role. It’s difficult for foreign investors to short stocks on mainland exchanges. China restricts cross-border money flows – both of which make arbitrage more difficult. If arbitrage – that is, profiting from pricing discrepancies – were easier, the discount would narrow.

That Hong Kong’s currency is pegged to the U.S. dollar, not the Chinese yuan, also plays a role. And regulatory differences between the Hong Kong and Chinese markets may also be a factor.

Whatever the reason, this discount is one of the great anomalies of the investing world. Shares of the same company often trade at lower valuations in Hong Kong than they do in Shanghai or Shenzhen.

And it’s something that investors can take advantage of. That discount won’t exist forever.

In coming days we’ll be talking a lot more about how to do this.

NOW WATCH: Scientists have discovered why American honey bees are turning into zombies

]]> Sun, 20 Nov 2016 20:55:00 -0500 Fri, 18 Nov 2016 15:26:45 -0500 http://www.businessinsider.com/how-to-invest-in-china-now-2016-11 http://www.businessinsider.com/how-to-invest-in-china-now-2016-11?utm_source=feedburner&amp;utm_medium=referral [email protected] (Kim Iskyan) Kim Iskyan The Insider Picks team writes about stuff we think you’ll like. Business Insider has affiliate partnerships, so we get a share of the revenue from your purchase.

BI Gift Guide_100 Tech Gifts 4x3It’s either the most wonderful time of the year for you, or the most stressful. 

Gift giving and receiving during the holiday season is a great way to show affection. But face it; it’s hard. 

These 20 presents give you options for all the different people in your life, even if you’re buying something general for a friend or coworker. 

If you’ve been struggling to think of the perfect present, don’t worry. Sit back and pour yourself a cup of cocoa, because you’ve come to the right place. 

Having trouble figuring out what to get people for the holidays? You can check out all of Insider Picks’ 2016 gift guides here.  

For the nostalgist

Amazon

Digital picture frames went in and out of vogue very quickly because of the iPad’s popularity, but they’re still great gifts. 

An overwhelming majority of our pictures and videos are digital now, and only get uploaded to social media sites. Instead, you can load them onto an SD card, pop them into this high-res frame, and display them in your home.

My mom has used one of these for years, set on a table near our front door. Friends and family always stop for a second to take a look for anything new they might have missed. 

NIX Advance 8″ Hi-Res Digital Photo Frame with Motion Sensor, $ 69.99

For the music lover

Amazon

I love music. Listening to it reduces my stress and makes me happy.

If you know someone who fits this bill, chances are they’ll be happy with a Bluetooth speaker. The benefit of a Bluetooth speaker as opposed to a huge stereo is that you can take it anywhere.

Whether that means different rooms or different places entirely, having your music everywhere is a powerful thing. I’ve written many times about this speaker from Anker. It’s well constructed and sounds excellent, which are the two most important considerations when picking a speaker. 

If you know a music lover without a Bluetooth speaker, this one is a no-brainer.

Anker SoundCore Sport XL Bluetooth Speaker, $ 59.99

For the on-the-go music lover

Amazon

Life moves quickly, and sometimes it’s not worth it to lug around big, over-ear headphones. That doesn’t mean you want to sacrifice sound quality.

I regularly use 1More’s earbuds when I go out to do chores on the weekends, or if I’m meeting up with friends. They sound good, will stay in your ears, and can easily be popped into a pocket. 

They don’t sound as good as a nicer pair of over-ear headphones, but they do sound better than an average pair of earbuds. 

1MORE iBFree Bluetooth In-Ear Headphones with Microphone and Remote, $ 59.99 

See the rest of the story at Business Insider]]> Sun, 20 Nov 2016 20:06:00 -0500 Sun, 20 Nov 2016 20:06:44 -0500 http://www.businessinsider.com/best-tech-gifts-under-100-dollars-holiday-gift-guide-2016 http://www.businessinsider.com/best-tech-gifts-under-100-dollars-holiday-gift-guide-2016?utm_source=feedburner&amp;utm_medium=referral [email protected] (Brandt Ranj) Digital picture frames went in and out of vogue very quickly because of the iPad’s popularity, but they’re still great gifts. 

An overwhelming majority of our pictures and videos are digital now, and only get uploaded to social media sites. Instead, you can load them onto an SD card, pop them into this high-res frame, and display them in your home.

My mom has used one of these for years, set on a table near our front door. Friends and family always stop for a second to take a look for anything new they might have missed. 

NIX Advance 8″ Hi-Res Digital Photo Frame with Motion Sensor, $ 69.99

]]> I love music. Listening to it reduces my stress and makes me happy.

If you know someone who fits this bill, chances are they’ll be happy with a Bluetooth speaker. The benefit of a Bluetooth speaker as opposed to a huge stereo is that you can take it anywhere.

Whether that means different rooms or different places entirely, having your music everywhere is a powerful thing. I’ve written many times about this speaker from Anker. It’s well constructed and sounds excellent, which are the two most important considerations when picking a speaker. 

If you know a music lover without a Bluetooth speaker, this one is a no-brainer.

Anker SoundCore Sport XL Bluetooth Speaker, $ 59.99

]]> Life moves quickly, and sometimes it’s not worth it to lug around big, over-ear headphones. That doesn’t mean you want to sacrifice sound quality.I regularly use 1More’s earbuds when I go out to do chores on the weekends, or if I’m meeting up with friends. They sound good, will stay in your ears, and can easily be popped into a pocket. They don’t sound as good as a nicer pair of over-ear headphones, but they do sound better than an average pair of earbuds. 1MORE iBFree Bluetooth In-Ear Headphones with Microphone and Remote, $ 59.99 ]]> Vinyl is back!If someone in your life has caught the record bug, they’ll need a turntable to play their latest thrift-store scores.

Audio Technica’s turntable will play 33rpm and 45rpm records, uses a cartridge with a user-replaceable needle, and comes as a bundle with cleaning supplies. I’ve used these cleaning products for years, and they keep my records sounding excellent even after multiple spins.

This turntable can be plugged into a stereo receiver or powered speakers, giving you a little more flexibility when choosing the other components of your audio setup. 

Audio-Technica AT-LP60 Turntable with Knox Carbon Fiber Vinyl Brush and Cleaning Kit, $ 99.99 

]]> If you know someone who just cut their cable and is using a streaming box from 2011, it might be time for an upgrade. 

The Fire TV has 7,000 apps — including all of the major video streaming heavy hitters like Hulu and Netflix. It also has support for 4K content, which isn’t very common for streaming boxes at this price point. 

Also included is the “Alexa remote,” which lets you use your voice to bring up certain apps or videos without having to navigate around an interface with button presses. If your giftee is an Amazon Prime member, the benefits to owning one of these devices increases dramatically thanks to Amazon’s instant video library.

Amazon Fire TV, $ 89.99, available at Amazon

]]> To start any smart home, you’re going to need some sort of hub. The hub is the command center that keeps track of all your smart-home accessories and lets you control them.

If you’ve heard someone on your list mention how cool smart homes are recently, it’s probably a not-so-subtle hint. Of all the hubs out there, Amazon’s line of Echo products are the best and most well-connected. I have one and have quickly learned to love it.

But, the full-sized Echo isn’t for everyone; the Echo Dot does everything the bigger one can, while being the size of a hockey puck. Using Alexa, Amazon’s digital assistant, you’ll be able to check the weather, adjust your lights, and add events to your calendar.

The more you add to your smart home, the more powerful the Echo Dot will be; but it’s a strong building block to start with.

Amazon Echo Dot, $ 49.99

]]> Ok, but what if the person you’re buying for has started their smart home? No problem.

TP-Link’s smart plugs turn any appliance into a smart appliance without a big messy setup. I’ve used these before; all you have to do is download TP-Link’s app, plug the smart plug into the wall, and plug your appliance into the smart plug. That’s it.

From there you can turn the plug on and off using either the app or your voice through an Echo. The appliance won’t be as fancy as a true smart appliance, but being able to turn something on and off with just a couple of taps, or your voice, is pretty powerful.

TP-Link Smart Plug (2-Pack), $ 54.99

]]> Know somebody who loves to tinker with tech stuff? Chances are they’d really appreciate a Raspberry Pi.

No, that wasn’t a typo. The Raspberry Pi is a mini computer that can fit in your pocket, but be used for all sorts of different projects. Want to create a home server, or a home made “smart” mirror? 

Because of its small size, but surprising power, the only limitation on what you can do with the Raspberry Pi is your ability to think something up. There are tons of tutorials out there for what’s been done before, but you’re free to use this mini computer any way you choose. It’d be the perfect gift for a curious kid. 

Available solo or as part of a bundle, I’m recommending the bundle since it comes with a case and all the cables and accessories you’ll need to get started.

CanaKit Raspberry Pi 3 Complete Starter Kit, $ 74.99

]]> Nobody likes a cluttered desk, and these two products work hand in hand and total under $ 50, so I’m bundling them together. 

A Bluetooth mouse and keyboard eliminate two wires that almost everyone has on their desk. I’ve used the both of these products and really like them. The biggest upside to opting for Bluetooth instead of other wireless accessories is that you won’t have to worry about losing a little USB connector, if you want to use them on another machine.

Connectivity is rock solid, latency is indistinguishable from wired use, and and using these products get you two USB ports to use for other accessories.

Logitech M557 Bluetooth Mouse, $ 22.99

Anker Bluetooth Ultra-Slim Keyboard, $ 13.99

]]> VR headsets are all the rage, but they can cost anywhere from a few hundred to a few thousand dollars. For way less money, though, you can get a taste of what VR is all about thanks to Google Cardboard. 

Google Cardboard is a headset made out of, well, cardboard. Instead of connecting to a high-powered computer, you slide your smartphone into the headset and you’re in VR. Kind of. While it’s not as immersive as a higher-end VR solution, Google Cardboard is seriously impressive.

I keep one on my desk and showed it to one of my not-super-geeky coworkers. She came away impressed. So did everyone else I’ve shown cardboard to. Its killer app is a VR version of Google’s street view, which I used to plan a vacation to London last year.

Because it’s made out of cardboard, these headsets are compatible with Android phones and iPhones. Google also opened up their specifications for cardboard, so third-party options have become available and driven the prices down.

D-scope Pro Google Cardboard Kit, $ 11.99

]]> It can be hard for a book lover to go Kindle.

If you know someone who’s frustrated about only having a couple of books on a trip, then buying them one might get them to try it. Nothing will beat the feel of a real book, but the ability to store thousands of stories on a device the size of a picture book is compelling. 

You can read on a phone or tablet, but the Kindle ‘s e-ink screen is easier on the eyes at night, and won’t produce a glare on the beach. It also has weeks-long battery life, so you won’t have to curse yourself if you leave its charger on your nightstand.

Amazon Kindle E-Reader (Without Special Offers), $ 99.99

]]> If you know someone who’s trying to get in better shape, or track their sleep, the FitBit One checks both boxes. 

Instead of being worn around your wrist, the One clips onto your clothes. This means it can’t be used to check your heart rate. But, if you want a fitness tracker that doesn’t feel like a shackle around your wrist, the One is your best bet.

The Fitbit One can display how many steps you’ve walked, calories you’ve burned, and minutes you’ve been active. It then syncs that data to your phone over Bluetooth, so you’ll eventually get a good sense of your activity overall. 

Its sleep tracking is limited to how long you’ve slept and how well you’ve slept based on how many times you wake up. If used for sleep tracking, the Fitbit One can also wake you up with a light alarm.

This won’t make the person in your life more fit, but it will give them tons of useful data to help them reach their goals more easily. 

Fitbit One, $ 99.95

]]> Gadgets can start to pile up. Phones, tablets, Bluetooth headphones, watches, and everything else in our lives seems to have a rechargeable battery. 

Instead of picking and choosing what to charge, a multi-port USB charger lets you charge everything you own at once. If you’ve seen someone frustrated at how few outlets they have in their place, this will probably end up solving that problem.

At 2.4 amps per port, this hub will probably charge their gadgets faster than some of the adapters that came with those products. I have a similar Anker charger on my desk and haven’t had to worry about how to charge my gadgets since. 

Anker 40W/8A 5-Port USB Charger PowerPort 5, $ 20.39

]]> If someone in your life travels a lot, chances are he or she is going to use a travel adapter a lot. 

It’s a little bulkier than some, but this adapter from LOOP is smart in a couple of ways. The first is that it has four different plugs built into it. Those four plugs are used in 150 countries, so this adapter should be useful where ever your friend goes. 

The second is that because it has two USB ports, it’s possible to charge three devices at once using this plug. The first thing most people charge is there phone, but if their laptop is dead, too, they have to make a choice. This way, both devices can charge without taking up an extra outlet. This could also be used in place of a traditional phone adapter — meaning they’ll have one less thing to pack. 

LOOP World Adapter Plug, $ 19.45

]]> A game controller might seem like kind of a lame gift, until you realize they can get pretty expensive. 

Regardless of what console the person you’re buying this for has, they’ll appreciate an extra controller. Even if they only play one-player games, an extra controller means they can always keep one fully charged.

This comes in handy if you forget to charge your primary controller, or if you’re in the middle of a marathon gaming session.

Xbox One Wireless Controller, $ 45.91

DualShock 4 Wireless Controller for PlayStation 4, $ 47.99

]]> If someone you know just got the new iPhone, they’re probably going to need a case. 

I’ve tested out several iPhone 7 and 7 Plus cases, but the one with the coolest feature was the Defense Gear by X-Doria

What makes this case stand out (besides its distinctive look), is the fact that it improves the iPhone’s audio system. Out of the box, the iPhone has two speakers: One on the bottom, and one at the top. The problem is that one speaker is facing downward, while the other is facing toward you, making it an uneven experience. 

X-Doria’s case covers the bottom speaker, and routes the audio out toward you through some holes that face toward you. The result is a more even listening experience when watching movies or listening to music. Most cases just improve the security of your phone; X-Doria’s take it a step further. 

X-Doria Defense Gear for iPhone 7, $ 14.30

X-Doria Defense Gear for iPhone 7 Plus, $ 27.99

]]> Everyone knows someone who’s phone battery always dies when they’re out. 

In 2016, that means being cut off from everyone and everything. Need directions? Sorry. Friend need a favor? Oops. 

External batteries are a must-have, but they can be kind of a drag to take around if they’re big. So the compromise is a smaller battery that you can always keep in a pocket or purse, with enough juice to charge your phone once.

This battery pack checks both of those boxes while still being highly affordable. The person you give this to will thank you every time they don’t have to take their phone in and out of airplane mode.

Anker 2nd Gen Astro Mini 3350mAh Portable Charger, $ 21.99

]]> Know someone with an Apple Watch? You may have heard that it needs to be charged daily.

Because you’re actually wearing the watch, it’s easy to forget to keep it charged, though, and it ends up dying as you’re walking out the door.

The best way I’ve found to keep my watch, phone, or any other device charged on a consistent basis is to have a specific spot where I charge it. At work, it’s the USB hub I recommended earlier, but at home, I use a stand. This one from Belkin will charge both an iPhone and Apple Watch (I’ve used Belkin stands before; they’re great), so both devices will be fully charged when you need them. 

Belkin Powerhouse Watch and Phone charger, $ 99.99

]]> If you know someone who drives a lot and doesn’t mount their phone, do them a solid and gift them one of these. 

Using a car mount keeps your phone at eye level, which is super useful if you rely on it as a GPS like I do. Keeping a phone in your hand, where it can be a distraction or in a cupholder where it can topple over, is less than ideal.

This phone mount is the same one used by thousands of Uber drivers, and it clips onto one of your car’s air vents. It’s magnetic, and comes with a couple of stick-on metal strips that you can attach to your phone’s case. Then, next time you enter your car, you can stick the phone onto the mount and be on your way.

AUKEY Car Mount Air Vent Magnetic Cell Phone Holder, $ 5.99

]]> Home security isn’t something we want to think about during the holiday season, but it’s always a concern. 

Smart security cameras is a big, crowded category, but I really like Blink. Unlike other security systems, Blink cameras run on batteries, so you don’t have to take up an outlet plugging them in. Year-long battery life means you won’t have to change them often, and running on batteries means you can position them anywhere. 

I tested Blink cameras earlier this year; they’re both easy to set up and monitor. Blink cameras come in a bunch of different configurations, but this starter pack includes both a camera and hub. If you find you like Blink, you can add another camera without buying an additional hub. The point of owning security cameras is to not think about home security anymore, so you’re gifting not only a useful product, but peace of mind, too.

Blink Home Security Camera kit, $ 99 

]]> Brandt Ranj fullsizerender (1)Kevin Loria/Business Insider

Though Theranos may have brought a lot of negative headlines to the blood-testing industry over the last year, all is not lost for other companies hoping to “disrupt” the blood-testing industry.

On Sunday, Genalyte, a company that’s developing tests that run on a drop of blood, raised a $ 36 million round of funding from Khosla Ventures and Redmile Group. Both firms previously invested in Genalyte in 2015. Altogether, Genalyte’s raised $ 82 million. 

Genalyte CEO Cary Gunn told Business Insider that the latest investment will help the company perfect the technology and bring the first sets of tests it to the FDA for approval.  

How Genalyte’s technology works

Diagnostics is a roughly $ 50 billion industry in which companies have tried to make faster, more convenient blood tests. 

That’s why Genalyte’s working on developing rapid tests that use only a drop of blood for diseases like rheumatoid arthritis on its Maverick Detection System Platform that can be performed at the doctors’ office.

The test, which takes under 15 minutes to run, is meant to be done at the doctors’ office, so that patients can get their diagnosis right away, rather than waiting for bloodwork to come back.

Genalyte’s been working to validate the tests, and earlier in November, it presented two sets of clinical data at a American College of Rheumatology meeting earlier this month. One study was able to show that Genalyte’s finger-stick test was able to get similar results to what a traditional blood draw got. 

The Maverick technology is still a couple of years out from getting approval and showing up in doctors’ offices, but Genalyte and other companies in the space are “plugging along,” Gunn said. 

“The fact that the world now believes that decentralized testing is valuable for patients … it’s going to be a much better patient-physician experience,” Gunn said.

NOW WATCH: What 2,000 calories of your favorite foods looks like may shock you

]]> Sun, 20 Nov 2016 20:00:00 -0500 Sun, 20 Nov 2016 18:50:52 -0500 http://www.businessinsider.com/genalyte-raises-36-million-from-khosla-ventures-and-redmile-group-2016-11 http://www.businessinsider.com/genalyte-raises-36-million-from-khosla-ventures-and-redmile-group-2016-11?utm_source=feedburner&amp;utm_medium=referral [email protected] (Lydia Ramsey) Lydia Ramsey vietnam sneakersAP/RICHARD VOGEL

If President-elect Donald Trump has made anything clear about what he plans to do in his first 100 days in office, it’s that he wants to make some changes to trade. 

More specifically, he’s in opposition to the Trans-Pacific Partnership: a trade agreement between Pacific Rim countries for the greater and cheaper movement of goods between them.

The TPP has been a hotly contested trade issue for years now, championed by Obama as an agreement to increase wealth in the US by opening up Asian markets to American goods. Critics say it endangers American workers by making it too tempting for companies to outsource their factories to Asia.

A vote on the bill has still not be held in Congress, and its future is now largely in doubt in the wake of Trump’s historic election. Trump transition team internal documents obtained by Politico say that pulling out of the deal will be at the top of his first 100 days’ agenda.

A large percentage of footwear is made in countries included in the TPP pact. Why does that matter for sneakers? Tariffs are high for footwear, ranging from 5% to 40% depending on the materials used, according to the Office of Textiles and Apparel.

Around 97-99% of sports footwear sold in the US is made elsewhere, accounting for nearly $ 3 billion in tariffs paid, according to the pro-trade organization Footwear Distributors and Retailers of America. Nearly half a billion dollars of that comes from TPP countries, chiefly Vietnam and Malaysia.

China — which, with 66% of inventory, is the the largest exporter of shoes to the US — was not involved in TPP negotiations. The second-largest exporter, Vietnam, was. Should TPP have been agreed to, tariffs for shoes imported from Vietnam and other countries into the US would have been reduced or eliminated, reducing the built-in cost to outsource sneaker manufacturing overseas.

This would have meant potentially reducing the cost of sneakers in the US, according to NPD group analyst Matt Powell, and an increase in sports shoe sales overall.

The players

Nike, the largest sportswear maker in the world, made no secret of the fact that it was in support of TPP. It has 26 footwear factories in Vietnam, the majority of which create shoes for the American market. The swoosh promised to bring up to 10,000 jobs to the US should the pact be approved and put into action. Nike said a reduction in tariffs could be used toward more advanced manufacturing.

German sportswear giant Adidas also supported the deal for similar reasons.

obama nikeAP/RICHARD VOGEL

New Balance, which manufactures up to 25% of its shoes in the US, notably opposed the trade agreement. The company recently reiterated their stance on the agreement, which some mistook for support of Trump policies. Many began burning or throwing away their New Balance shoes in protest.

The game

In all likelihood, from what Trump has said previously and the documents obtained recently, TPP won’t be on the table in a meaningful way anytime soon.

That means that prices will most likely stay the same for footwear, and any hope for some relief from the problems pressuring giants like Nike will not abate soon. The possibility of greater sales while maintaining similar margins is out the window for sportswear companies who import the vast majority of its footwear.

However, with TPP off the table, initiatives like Adidas’ “speedfactory” in Atlanta seem more important than ever, as more advanced manufacturing methods means that high-tech factories in the US make more economical sense.

There’s a potential for more “made in the USA” written under your shoe’s tongue in the coming decades.

NOW WATCH: Trump said he prevented a Ford factory from leaving the US — but the company says the move was never planned

]]> Sun, 20 Nov 2016 19:59:00 -0500 Sun, 20 Nov 2016 20:03:45 -0500 http://www.businessinsider.com/what-the-trump-presidency-could-mean-for-sneaker-prices-2016-11 http://www.businessinsider.com/what-the-trump-presidency-could-mean-for-sneaker-prices-2016-11?utm_source=feedburner&amp;utm_medium=referral [email protected] (Dennis Green) Dennis Green barack obama malia sashaChip Somodevilla / Getty Images

Like millions of Americans, President Barack Obama was struggling to explain the results of last week’s election, according to a New Yorker profile on the president.

Obama campaigned furiously for Democrat Hillary Clinton during the presidential race, and he repeatedly painted Republican Donald Trump as bigoted and xenophobic. Much of his legacy depended on a Clinton victory.

But when Trump won the election in a shocking upset, Obama still had some comforting words to say to his daughters.

“What I say to them is that people are complicated,” Obama told The New Yorker’s David Remnick:

“‘Societies and cultures are really complicated … This is not mathematics; this is biology and chemistry. These are living organisms, and it’s messy. And your job as a citizen and as a decent human being is to constantly affirm and lift up and fight for treating people with kindness and respect and understanding.

“‘And you should anticipate that at any given moment there’s going to be flare-ups of bigotry that you may have to confront, or may be inside you and you have to vanquish. And it doesn’t stop … You don’t get into a fetal position about it. You don’t start worrying about apocalypse. You say, O.K., where are the places where I can push to keep it moving forward.'”

Trump and Obama seem to have struck a conciliatory tone since Trump’s election, at least publicly. The two met privately last week, and Obama said he would continue to counsel Trump throughout the transition of power.

Read the full New Yorker profile here.

NOW WATCH: ‘If 43% of eligible voters do not vote, then Democracy is weakened’: Obama reacts to protests against Trump

]]> Sun, 20 Nov 2016 19:56:00 -0500 Sun, 20 Nov 2016 19:56:37 -0500 http://www.businessinsider.com/obama-daughters-election-2016-11 http://www.businessinsider.com/obama-daughters-election-2016-11 [email protected] (Mark Abadi) Mark Abadi Charlie Strong

The University of Texas has fired football coach Charlie Strong, according to multiple reports.

The move comes just one day after Texas lost in overtime to 1-9 Kansas, who had lost its last 19 Big 12 games and had not beaten the Longhorns since 1938. 

According to ESPN, Strong will coach the team’s final regular season game against TCU next weekend before stepping down. During his three years at Texas, he went 16-20 and 12-14 in Big 12 play. 

Texas began its season with a promising win over Notre Dame, which moved them all the way to No. 11 in the national polls. But the Longhorns are currently un-ranked at 5-6, and will either clinch a bowl game or lose seven games for the third consecutive season. 

Strong is reportedly due to make $ 10.7 million in a buyout for the final two years on his contract.

Despite the reports, Texas athletic director did not confirm (or, for that matter, deny) Strong’s dismissal. 

From ESPN:

Texas StatementsScott Halleran/Getty

Texas Charlie StrongScott Halleran/Getty

NOW WATCH: Cristiano Ronaldo just signed a lifetime deal with Nike reportedly worth $ 1 billion — here’s how he makes and spends his money

]]> Sun, 20 Nov 2016 19:51:00 -0500 Sun, 20 Nov 2016 19:51:47 -0500 http://www.businessinsider.com/charlie-strong-reportedly-fired-from-texas-2016-11 http://www.businessinsider.com/charlie-strong-reportedly-fired-from-texas-2016-11?utm_source=feedburner&amp;utm_medium=referral [email protected] (Emmett Knowlton) Emmett Knowlton Donald Trump Ivanka Eric Jr.REUTERS/Gary Cameron

NEW YORK (AP) — Nearly every morning since their father’s stunning victory on Election Day, three of Donald Trump’s grown children walk through the Trump Tower lobby and board an elevator.

But are Don Jr., Ivanka and Eric going to the campaign office on the 5th floor? Their business offices on the 25th floor? The president-elect’s penthouse on the 56th floor?

That uncertainty highlights the multiples roles the children play for their father. For the past year, the lines were constantly blurred between political campaign and business empire, raising questions about a possible conflict of interest between Trump’s White House and his sprawling business interests.

The children are poised to wield incredible influence over their father, even if they don’t follow him to Washington. Trump said consistently during the campaign that if he won, those children would stay in New York and run his business. But the three — plus Ivanka’s husband, Jared Kushner — were all named to the transition team’s executive committee.

So far, they’ve been heavily involved in shaping the new administration. They’ve sat in on meetings and taken late night calls from their father. They advocated for making Reince Priebus, the Republican National Committee chairman, the White House chief of staff. They counseled against bringing back Corey Lewandowski, Trump’s first campaign manager, who was fired in June on their advice.

On Thursday, Ivanka Trump and Kushner were present for the president-elect’s meeting with Japanese Prime Minister Shinzo Abe at Trump Tower.

Trump has insisted he will build a wall between his White House and his company by placing his holdings into a blind trust, but with his children as its trustees. Federal requirements are that independent outsiders run such trusts.

“We are in the process of vetting various structures with the goal of the immediate transfer of management of The Trump Organization and its portfolio of businesses to Donald Jr., Ivanka and Eric Trump as well as a team of highly skilled executives,” Trump spokeswoman Hope Hicks said. She said the structure “will comply with all applicable rules and regulations.”

Trump’s company is the largest business portfolio to belong to a modern sitting president. Federal ethics rules would allow Trump to run his business interests from the White House, or, perhaps more likely, influence decisions made by his children.

That raises conflict of interest concerns: For example, Trump could set domestic policy while making deals abroad that could affect his corporation, even if it were technically in his children’s hands.

Kellyanne Conway, a senior adviser, disputed the idea that the Trump children’s involvement in the transition could lead to a breach of trust.

“You’re presuming that they are doing certain things that they should not be doing,” Conway said. “They are his children. And they’ve been his business colleagues for a long period of time. They obviously will support their father as president.”

But the potentially problematic entanglement revealed itself this past week when Ivanka Trump’s company promoted a $ 10,800 bracelet she wore during a “60 Minutes” interview on CBS. The spokeswoman for the company later apologized.

Jared Kushner Chip Somodevilla:GettyREUTERS/Gary CameronThe children — who were not made available for interviews — are limited in what formal role they could take in a Trump administration.

Congress passed an anti-nepotism law in 1967 that prohibits the president from appointing a family member to work in the office or agency they oversee. The measure was passed as a reaction to President John F. Kennedy appointing his brother Robert as attorney general.

But the law does not appear to prevent the children — or Kushner, who is one of Trump’s closest aides and is said to be weighing a White House role — from serving as unpaid advisers or providing informal counsel.

The three grown children — whose mother is Ivana Trump, Trump’s first wife — delivered well-received speeches at this summer’s Republican National Convention in which they tried to humanize their father.

Don Jr. and Eric were staples on conservative radio and on the road, trekking to campaign offices and small rallies across battleground states like Ohio and North Carolina. Ivanka Trump, meanwhile, was utilized in some of the campaign’s biggest moments, including introducing her father before his convention speech, unveiling his family leave plan and campaigning across the crucial Philadelphia suburbs.

Another daughter, Tiffany Trump, a recent college graduate whose mother is Trump’s second wife, Marla Maples, also made appearances on her father’s behalf. Trump’s youngest child, 10-year-old Barron, whose mother is the president-elect’s current wife, Melania, is enrolled at a private Manhattan school. Trump on Sunday told reporters that Mrs. Trump and their son will move to Washington after the school year ends.

For the three eldest Trump kids, there were bumps in the road.

Eric and Ivanka were the subject of some embarrassing headlines when it was revealed that they were not registered to vote in time for their father in the New York primary. An African big-game safari Eric and Don Jr. took drew criticism from animal rights activists. And Don Jr. has received criticism for tweeting images likening Syrian refugees to a poisoned bowl of Skittles candy and a cartoon character appropriated by white supremacists.

But now they stand poised to be the most influential presidential children in decades, as recent White House offspring have been far younger than the eldest Trump children, who are all in their 30s. During the campaign, Eric Trump insisted that the children’s main “focus was the company,” but “we’d always be one phone call away” if needed, the younger Trump told The Associated Press in May. “We’d do anything for the man.”

]]> Sun, 20 Nov 2016 19:49:00 -0500 Sun, 20 Nov 2016 19:50:04 -0500 http://www.businessinsider.com/ap-trump-childrens-roles-blur-line-between-transition-company-2016-11 http://www.businessinsider.com/ap-trump-childrens-roles-blur-line-between-transition-company-2016-11?utm_source=feedburner&amp;utm_medium=referral Shinzo AbeREUTERS/Toru Hanai

Prime Minister Shinzo Abe of Japan has announced plans to request that Japan’s corporate leaders increase salaries and wages at an upcoming meeting of government, business, and nonprofit leaders in preparation for the spring labor negotiation period, or shunto. That would be the fourth straight year that Mr. Abe has proposed higher wages to strengthen Japan’s beleaguered economy.

The idea that higher wages can lead to economic recovery has become a core principle of what has come to be called Abenomics. But does the idea pave the road to another great depression?

The two main principles of Abenomics are a very loose monetary policy and a stimulative fiscal policy involving large government budget deficits. Japan has also raised its consumption tax. This policy agenda has been in place since the Tokyo stock market bubble broke in 1989.

Not surprisingly, this policy approach has failed to fix the problems in the Japanese economy. The policy probably looks familiar because it is also the standing policy in the US and most eurozone nations. It should also be familiar because it is really nothing new, but simply old-fashioned Keynesian economics with a new label.

This approach has resulted in the once vaunted Japanese economy of the 1980s becoming the world’s worst debtor nation. Its ratio of national government debt to the size of its economy, or GDP, is now close to 250 percent. Most countries that approach or exceed a ratio of 100 percent are considered to be economic basket cases. The last calculation for the US was 104 percent and growing.

Let us take a closer look at this idea of politically motivated increases in salaries and wages.

How would politically driven increases in salaries and wages lead to economic recovery? This notion has its foundation built on the observation that in growing economies workers generally experience higher wages, or at least increases in the purchasing power of their wages. Therefore, the idea is that higher wages will lead to economic growth.

A man walks past a display of the Nikkei average and other market indices outside a brokerage in Tokyo, Japan April 19, 2016. REUTERS/Thomas Peter REUTERS/Toru Hanai

Abenomics justifies this policy of increasing salaries and wage rates because it will increase consumption, which in turn will stimulate aggregate demand. The resulting increase in aggregate demand will lead to economic growth and higher levels of GDP.

If the economy were like a machine, such a scenario might be possible. However, politically driven higher wages do not increase jobs. In fact, they actually decrease jobs and retard job creation. When you raise the price of anything, including jobs, the number demanded will decrease, all other things the same.

It is lower wage rates that increase jobs. Entrepreneurs and businesses increase the number of employees they hire if market wage rates are lower. More jobs mean more production so that consumption per capita increases. Increases in production encourage price reductions, given a fixed money supply, so there will be a tendency for prices in general to fall. Falling prices mean that the real purchasing power of wages increases. This is how an economy recovers a boom-bust cycle induced by monetary inflation.

Keynesians and their Abenomics cousins have probably heard this explanation before and have just realized that I am writing about deflation playing a positive role in the corrective process of the economy.

Both of these groups have a psychological fear of deflation. They fear that even approaching a deflation of prices could result in a catastrophic depression in the economy from which you can never recover.

This psychological fear has no basis in theory or fact. It is based solely on a long-standing association made between price deflation and the Great Depression. (I have dubbed this fear Apoplithorismosphobia.)

In one of Murray Rothbard’s great books, America’s Great Depression, he showed that President Herbert Hoover’s policy of trying to maintain high wages in the face of economic depression was one of the important factors in making the depression “Great.” The other factors included protectionism, inflationism, and other forms of government interventionism.

According to Rothbard:

“Wage rates “were maintained until the cost of living had decreased and the profits had practically vanished. They are now the highest real wages in the world.” But was there any causal link between this fact and the highest unemployment rate in American history? This question Hoover ignored.

Hoover had, indeed, “placed humanity before money, through the sacrifice of profits and dividends before wages,” but people found it difficult to subsist or prosper on “humanity.” Hoover noted that he had made work for the unemployed, prevented foreclosures, saved banks, and “fought to retard falling prices.” It is true that “for the first time” Hoover had prevented an “immediate attack upon wages as a basis of maintaining profits,” but the result of wiping out profits and maintaining artificial wage rates was chronic, unprecedented depression.”

The Rothbard Thesis has been hailed by important intellectuals including the great historian Paul Johnson:

“We now see, thanks to Rothbard’s insights, that the Hoover-Roosevelt period was really a continuum, that most of the “innovations” of the New Deal were in fact expansions or intensifications of Hoover solutions, or pseudo-solutions, and that Franklin Delano Roosevelt’s administration differed from Herbert Hoover’s in only two important respects — it was infinitely more successful in managing its public relations, and it spent rather more taxpayers’ money. And, in Rothbard’s argument, the net effect of the Hoover-Roosevelt continuum of policy was to make the slump more severe and to prolong it virtually to the end of the 1930s. The Great Depression was a failure not of capitalism but of the hyperactive state.”

An important mainstream economist and advisor to the Federal Reserve, Lee Ohanian, has empirically verified the Rothbard thesis:

“Herbert Hoover. I develop a theory of labor market failure for the Depression based on Hoover’s industrial labor program that provided industry with protection from unions in return for keeping nominal wages fixed. I find that the theory accounts for much of the depth of the Depression and for the asymmetry of the depression across sectors. The theory also can reconcile why deflation/low nominal spending apparently had such large real effects during the 1930s, but not during other periods of significant deflation.”

If Shinzo Abe wishes to increase real wages and employment in Japan, he must abandon the failed policies of the past that have only served to prolong economic depressions.

NOW WATCH: It’s surreal to watch this 2011 video of Obama and Seth Meyers taunting Trump about a presidential run

]]> Sun, 20 Nov 2016 19:47:00 -0500 Fri, 18 Nov 2016 15:27:51 -0500 http://www.businessinsider.com/japan-wants-to-increase-salaries-and-wages-2016-11 http://www.businessinsider.com/japan-wants-to-increase-salaries-and-wages-2016-11?utm_source=feedburner&amp;utm_medium=referral Kickers BadBill Kostroun/AP

Week 11 was an historically bad week for NFL kickers, who have missed a record 11 extra points and counting. 

Not since 1985 had 10 extra points been missed during a single week of the football season, and according to ESPN, not a single time since the AFL-NFL merger in 1970 have refs waived off 11 failed PATs. 

In the early afternoon games, Giants’ kicker Robbie Gould missed two against the Bears, and Bears kicker Connor Barth missed one on the other side of the ball. The Vikings brought in Kai Forbath this week to replace Blair Walsh, but Forbath also missed a PAT on Sunday.

Mike Nugent of the Bengals saw two PATs hit the uprights, while the Jaguars-Lions game saw misses from both teams. The Browns, who fell to 0-11, missed the extra point on their one touchdown of the day. Stephen Gostkowski missed for the Patriots, as did Stephen Hauschka of the Seahawks (he also missed a field goal). 

Prior to the 2015 NFL season, the league voted to move the PAT back to the 15-yard line. Kickers have been far less reliable since that change, but that change doesn’t entirely account for this week’s poor kicking performance. Mostly, it just seems that the kickers didn’t kick well.

NOW WATCH: Cristiano Ronaldo just signed a lifetime deal with Nike reportedly worth $ 1 billion — here’s how he makes and spends his money

]]> Sun, 20 Nov 2016 19:36:10 -0500 Sun, 20 Nov 2016 19:36:15 -0500 http://www.businessinsider.com/nfl-kickers-missed-record-number-of-extra-points-2016-11 http://www.businessinsider.com/nfl-kickers-missed-record-number-of-extra-points-2016-11?utm_source=feedburner&amp;utm_medium=referral [email protected] (Emmett Knowlton) Emmett Knowlton Hosting a dinner party doesn’t have to be so stressful. Here are four tips that will save you time and frustration while you prepare your Thanksgiving meal for friends and family. 

Follow BI Video: On Twitter

]]> Sun, 20 Nov 2016 19:13:00 -0500 Sun, 20 Nov 2016 10:53:53 -0500 http://www.businessinsider.com/thanksgiving-holiday-party-hacks-save-you-prep-time-2016-11 http://www.businessinsider.com/thanksgiving-holiday-party-hacks-save-you-prep-time-2016-11?utm_source=feedburner&amp;utm_medium=referral [email protected] (Justin Gmoser) Justin Gmoser Russell WilsonJohn Froschauer/AP

The Seattle Seahawks extended their lead over the Philadelphia Eagles on Sunday thanks to a terrific trick play that featured a Doug Baldwin pass to none other than quarterback Russell Wilson in the end zone. 

That’s right: Wilson caught a touchdown pass on a throw from his favorite wide receiver. 

On the play, Wilson first pitched the ball to Baldwin on what looked like a reverse toward the right side of the end zone. Wilson, though, made his way toward the left edge of the field and instead of running, Baldwin stopped, pivoted, threw a perfect ball right into Wilson’s hands.

Wilson fell into the end zone for the score. 

Here’s the play: 

The touchdown gave the Seahawks a 23-7 lead. It also marked the first receiving TD of Wilson’s career. 

NOW WATCH: How much the world has changed since the Cubs last won the World Series 108 years ago

]]> Sun, 20 Nov 2016 18:53:00 -0500 Sun, 20 Nov 2016 18:53:21 -0500 http://www.businessinsider.com/russell-wilson-catches-touchdown-pass-seahawks-eagles-trick-play-2016-11 http://www.businessinsider.com/russell-wilson-catches-touchdown-pass-seahawks-eagles-trick-play-2016-11?utm_source=feedburner&amp;utm_medium=referral [email protected] (Emmett Knowlton) Emmett Knowlton Donald TrumpAP Foto/José Luis Magaña

The day after the election, news began swirling around social media that New York Times columnist David Brooks had called for President-elect Donald Trump’s assassination. Snopes managing editor Brooke Binkowski had a feeling it was fake. Because, come on now, would a prominent columnist for a reputable news outlet really make that kind of comment?

Snopes has made its business out of correcting the misunderstood satire, malicious falsehoods, and poorly informed gossip that echoes across the internet — and that business is booming. Traffic jumped 85 percent over the past year to 13.6 million unique visitors in October, according to comScore. The site supports itself through advertising, and in the last three years it has made enough money to quadruple the size of its staff.

Sure enough, a bit of Snopes reporting revealed that Brooks had written a column saying Trump would likely resign or be impeached within a year. A news item published on The Rightists claimed Brooks had then said in an interview for KYRQ Radio New York that Trump should be killed. Snopes found The Rightists doesn’t even pretend to traffic in truth. In the site’s “about” section, it describes itself this way: “This is HYBRID site of news and satire. part [sic] of our stories already happens, part, not yet. NOT all of our stories are true!” What’s more, the story’s facts didn’t add up. For example, the site claimed Brooks had made the comments on a radio station — KYRQ — that didn’t exist.

Verdict: FALSE.

This is the state of truth on the internet in 2016, now that it is as easy for a Macedonian teenager to create a website as it is for The New York Times, and now that the information most likely to find a large audience is that which is most alarming, not most correct. In the wake of the election, the spread of this kind of phony news on Facebook and other social media platforms has come under fire for stoking fears and influencing the election’s outcome. Both Facebook and Google have taken moves to bar fake news sites from their advertising platforms, aiming to cut off the sites’ sources of revenue.

Facebook face newsAP Foto/José Luis Magaña

But as managing editor of the fact-checking site Snopes, Brooke Binkowski believes Facebook’s perpetuation of phony news is not to blame for our epidemic of misinformation. “It’s not social media that’s the problem,” she says emphatically. “People are looking for somebody to pick on. The alt-rights have been empowered and that’s not going to go away anytime soon. But they also have always been around.”

The misinformation crisis, according to Binkowski, stems from something more pernicious. In the past, the sources of accurate information were recognizable enough that phony news was relatively easy for a discerning reader to identify and discredit. The problem, Binkowski believes, is that the public has lost faith in the media broadly — therefore no media outlet is considered credible any longer. The reasons are familiar: as the business of news has grown tougher, many outlets have been stripped of the resources they need for journalists to do their jobs correctly. “When you’re on your fifth story of the day and there’s no editor because the editor’s been fired and there’s no fact checker so you have to Google it yourself and you don’t have access to any academic journals or anything like that, you will screw stories up,” she says.

Founded two decades ago to debunk urban legends, Snopes has grown into a major correction operation with an editorial staff of nearly a dozen people sifting through the internet for news that smells fishy. No, delayed military absentee ballots would not have swung the election. No, Melania Trump has not filed for divorce, nor was her husband born in Pakistan. No, Mike Pence definitely did not tell Fox News that gay conversion therapy saved his marriage.

Snopes reporters often choose stories to investigate based on their own web reading. “You know, some of us are just inaccuracy snobs, but some of us are ideologues, too,” Binkowski says. She certainly falls into that camp. I believe in sunlight being the best disinfectant, and I believe in the power of the truth,” she says.

The incendiary made-up headlines are often the most straightforward falsehoods to identify. “Honestly, most of the fake news is incredibly easy to debunk because it’s such obvious bullshit,” she says. “A site will have something buried somewhere on it that says, ‘This is intended to be satire. Don’t sue us.’”

facebook fake news chartAP Foto/José Luis Magaña

Binkowski says the more important work involves setting the record straight at legitimate publications that get things wrong. For example, in December, a story about El Chapo threatening ISIS appeared in the New York Post, on Forbes, and in the Washington Times, among other outlets. It didn’t sit right with a Snopes reporter, yet news outlets were reporting — and rereporting — the story. Binkowski had spent a portion of her professional journalistic career covering the border region between Mexico and the United States. “If El Chapo had made a statement like this, I would have heard about it because I’m in contact with all these Zapatista groups in Mexico,” she says. So she tracked down the original author of the information, a Brit who had written the piece as satire. “He was like, ‘I didn’t think this was going to go viral. I guess I just really nailed that El Chapo narrative,’” she remembers. “I was like, ‘Yeah, you sure did.’” Snopes published a story in which the author said that the El Chapo story was satire and he’d never intended it to get so big. As a result, the duped publications ran corrections.

Binkowski also points to the challenges the media face in relaying complex information quickly and accurately. To help, recently Snopes has begun to publish important news-related information as a resource for journalists and others. Last week, for example, Binkowski wrote a piece about how the electoral college functions that served as a reference for other reporters writing about the election. “It’s really complex stuff that you can’t just read about and then write about,” she says. “We’re going to be doing more of that.”

Two decades into its existence, Snopes has built a strong brand as a credible myth buster. If you aren’t sure whether something is true, Google it. If a Snopes link is among your first search results, it’s probably not. Even so, corrections rarely get the attention the original stories generate. Against the viral tidal wave of misinformation, it can be hard to tell how much impact the Snopes team is having. “The only thing that we are doing that we can really keep doing is: just say the truth again and again and again and again and again, and just keep doing it,” says Binkowski. “You have to really have a specific type of personality to not want to just go back to bed.”

NOW WATCH: A hacker reveals a simple way to come up with a strong password that’s easy to remember

]]> Sun, 20 Nov 2016 18:40:00 -0500 Sun, 20 Nov 2016 18:40:24 -0500 http://www.businessinsider.com/snopes-says-fake-news-isnt-the-problem-the-media-is-2016-11 http://www.businessinsider.com/snopes-says-fake-news-isnt-the-problem-the-media-is-2016-11?utm_source=feedburner&amp;utm_medium=referral [email protected] (Jessi Hempel) Jessi Hempel tktktktktktktk

NOW WATCH: Here’s how much $ 100 is worth in every state

]]> Sun, 20 Nov 2016 17:54:00 -0500 Fri, 18 Nov 2016 14:58:15 -0500 http://www.businessinsider.com/what-happens-after-trump-is-president-2016-11 http://www.businessinsider.com/what-happens-after-trump-is-president-2016-11 [email protected] (Business Insider) Business Insider JPMorgan Office LondonREUTERS/Neil Hall

JPMorgan on Thursday agreed to pay more than $ 264 million to US authorities to settle charges that it bribed officials in the Asia-Pacific region to win business, ending a nearly three-year investigation.

The charges alleged that JPMorgan gave jobs and internships to friends and family of corrupt government officials, which would be a violation of the Foreign Corrupt Practices Act.

During a seven-year period, JPMorgan hired approximately 100 interns and full-time employees at the request of foreign government officials, enabling the firm to win or retain business resulting in more than $ 100 million in revenues to JPMorgan,” the Securities and Exchange Commission wrote in a press release.

Following the announcement, the SEC released documents used to argue its case.

Here are some of the highlights (h/t Ben McLannahan from the Financial Times):

NOW WATCH: JAMES ALTUCHER: This is why owning a home is financial suicide

]]> Sun, 20 Nov 2016 17:52:00 -0500 Fri, 18 Nov 2016 11:27:04 -0500 http://www.businessinsider.com/jpmorgan-chinese-anti-bribery-case-highlights-2016-11 http://www.businessinsider.com/jpmorgan-chinese-anti-bribery-case-highlights-2016-11 [email protected] (Business Insider) Business Insider Julian MarcheseCourtesy of Julian Marchese

The 20-year-old who dropped out of New York University to start a hedge fund says he has raised $ 5 million.

Julian Marchese launched Marchese Investments last year after starting his fund in his dorm room.

In September, Marchese told Business Insider he was managing about $ 1 million at his startup and planning to raise around $ 3 million more. So the $ 5 million raised is slightly above his expectations.

Technically, Marchese Investments runs separately managed accounts, and the firm is small enough that it doesn’t have to file regulatory filings on its assets, so Business Insider hasn’t independently verified the figures.

Marchese told Business Insider the bulk of the new investments came from one investor, but declined to identify who was writing the checks.

Chris Kohler, an investment consultant at Mercer, is one of Marchese’s advisors helping him with business strategy. Kohler said he had high hopes for Marchese.

“Some of the [hedge fund] all stars now, if you really track back, they were the ones that started doing this in high school and college,” Kohler told Business Insider.

To be sure, $ 5 million is peanuts in the world of hedge funds – institutional investors like pensions and endowments don’t usually start looking at funds until they have at least $ 100 million or so.

But then again, few people start investment firms at age 20. 

Screen Shot 2016 11 17 at 9.09.47 PM (1)Courtesy of Julian Marchese 

NOW WATCH: Richard Branson: Entrepreneurs need to fill the gap where government is lacking

]]> Sun, 20 Nov 2016 17:43:00 -0500 Sun, 20 Nov 2016 17:44:05 -0500 http://www.businessinsider.com/julian-marchese-raises-5-million-for-hedge-fund-2016-11 http://www.businessinsider.com/julian-marchese-raises-5-million-for-hedge-fund-2016-11?utm_source=feedburner&amp;utm_medium=referral [email protected] (Rachael Levy) Rachael Levy Philippine President Rodrigo Duterte talks to members of his cabinet (not pictured) after arriving from Malaysia, at Davao International airport in Davao city in southern Philippines, November 11, 2016.  REUTERS/Lean Daval Jr Thomson Reuters

MANILA (Reuters) – Philippine President Rodrigo Duterte lashed out at Western “bullying” and “hypocrisy” during his first meeting with Russian counterpart Vladimir Putin and said when it came to alliances, the United States could not be trusted.

In talks with Putin during an Asia-Pacific summit in Lima, Duterte held nothing back in his views about major powers like the United States, suggesting he is sticking to his guns on re-aligning foreign policy away from Washington, despite his warm words for incoming U.S. president, Donald Trump.

“Historically, I have been identified with the Western world. It was good until it lasted,” he told the Russian leader.

“And of late, I see a lot of these Western nations bullying small nations. And not only that, they are into so much hypocrisy,” he said, according to a transcript of Saturday’s meeting provided by his office.

Putin congratulated Duterte on his May election win and said he had done a lot in a very short time to build trust and confidence between Russia and the Philippines.

Duterte responded with similar words and then chided Western powers, particularly the United States, for intervening in conflicts for their own national interest and cajoling others to side with them.

Rodrigo Duterte Vladimir Putin Philippines Russia AsiaThomson Reuters

Duterte’s overtures to Russia are similar to those he made to China, until recently a bitter rival. He is now praising Beijing and tapping it for investment in a stunning about-face that has unnerved a region wary of a Chinese hegemony taking shape in Southeast Asia.

The mercurial former mayor insists the shift is his pursuit of an independent foreign policy, but that has come with repeated threats and verbal tirades against the United States, for decades a staunch ally, investor and donor.

Prior to leaving for Peru, Duterte said he might follow Russia and withdraw from the International Criminal Court (ICC) because of Western criticism of his deadly war on drugs. He said if Russia and China decided to create a “new order” in the world, he would be first to join.

Philippines drug war arrest victims killings deaths Rodrigo DuterteThomson Reuters

In his talk with Putin, Duterte blasted the United States and its Western allies for taking the lead in wars he said had ultimately failed.

“They seem to start a war but are afraid to go to war. That is what’s wrong with America and the other,” he said.

“They were waging war in so many places, in Vietnam, in Afghanistan and in Iraq … They insist if you are allied with them that they follow you.”

Duterte has spoken of his admiration for Chinese President Xi Jinping and also for the leadership of Putin. In an interview with Al Jazeera broadcast on Thursday, he described Putin as sincere, and joked that he had a “hillbilly” style. 

(Reporting by Martin Petty; Editing by Shri Navaratnam)

NOW WATCH: Philippines president Rodrigo Duterte congratulates Trump on a ‘well-deserved victory’

]]> Sun, 20 Nov 2016 17:40:00 -0500 Sun, 20 Nov 2016 17:41:02 -0500 http://www.businessinsider.com/r-meeting-putin-philippines-duterte-rails-at-western-hypocrisy-2016-11 http://www.businessinsider.com/r-meeting-putin-philippines-duterte-rails-at-western-hypocrisy-2016-11?utm_source=feedburner&amp;utm_medium=referral CJ ProsiseWinslow Townson/AP

Seattle Seahawks rookie running back CJ Prosise has seen an increase in playing time and carries over the past two weeks, and on Sunday against the Eagles he showed why. 

Early in the first quarter, Prosise broke free for a 72-yard touchdown run that put on display his raw speed and his shifty, quick feet through space. 

Here’s the run: 

Touchdown @Seahawks! #ranNFL #WeAre12 #PHIvsSEA pic.twitter.com/lNzWOnTGgS

Seattle’s offensive line deserves plenty of credit here for giving Prosise some running room, but the way he weaves his way around several Philadelphia defenders before kicking into full speed in the open field is impressive. 

The Seahawks, though they have played well this season, have struggled to find a reliable running back since Marshawn Lynch retired. They let go of Christine Micheal, who many believed might be the answer, just last week, and Thomas Rawls has struggled with injuries.

Prosise, meanwhile, played well against the Patriots last week in his first game with a steady workload, rushing for 66 yards and adding 87 yards receiving. He was stuffed at the goal line twice, though, and is less of a power back than he is a speedster.

But the combination of him and the more powerful Rawls in the backfield makes the Seahawks offense a whole lot scarier. 

And, a 72-yard run is a nice way to find the end zone for the first time as an NFL player.

NOW WATCH: LeBron James swears by this unusual workout class to keep in shape

]]> Sun, 20 Nov 2016 17:23:36 -0500 Sun, 20 Nov 2016 17:23:40 -0500 http://www.businessinsider.com/seahawks-rookie-cj-prosise-scores-72-yard-touchdown-2016-11 http://www.businessinsider.com/seahawks-rookie-cj-prosise-scores-72-yard-touchdown-2016-11?utm_source=feedburner&amp;utm_medium=referral [email protected] (Emmett Knowlton) Emmett Knowlton donald trump acceptance speech melania barron election nightChip Somodevilla/Getty Images

Donald Trump told reporters on Sunday that future first lady Melania Trump and their 10-year-old son, Barron, will not be moving into the White House with him when he becomes president.

The two will move in “right after [Barron] finishes school” in New York City, Trump said at his golf club in Bedminster, New Jersey.

The New York Post reported that the pair will remain in the family’s Manhattan penthouse in Trump Tower following Trump’s inauguration on January 20.

“Melania is extremely close to Barron, and they have become closer during the campaign,” the Post reported, citing a source close to Trump’s transition team. “The campaign has been difficult for Barron, and she is really hoping to keep disruption to a minimum.”

The source said the two may move into the White House after the school year. Barron Trump attends Columbia Grammar and Preparatory School in Manhattan’s Upper West Side.

President-elect Trump has suggested he may not live full-time in Washington, splitting time between the White House and Trump Tower. 

NOW WATCH: Why Ivanka can’t serve in a Trump cabinet

]]> Sun, 20 Nov 2016 17:16:25 -0500 Sun, 20 Nov 2016 17:16:32 -0500 http://www.businessinsider.com/melania-barron-trump-white-house-2016-11 http://www.businessinsider.com/melania-barron-trump-white-house-2016-11?utm_source=feedburner&amp;utm_medium=referral [email protected] (Mark Abadi) Mark Abadi The Insider Picks team writes about stuff we think you’ll like. Business Insider has affiliate partnerships so we may get a share of the revenue from your purchase.

Screen Shot 2016 06 07 at 9.06.20 AMSamsungComputer hardware isn’t advancing at the pace that it used to, so much so that Moore’s law, the principle we’ve used to predict increases in processor speed since 1965, is slowing down.

Unless you’re a gamer whose new graphics card costs as much as most people feel comfortable spending on entire computer, your laptop or desktop from a few years ago should be performing just fine, with one exception, its hard drive. 

Hard drives are a notorious performance bottleneck. They’re slow, and even worse they’re mechanical. The hard drive’s platter has to be in constant motion, getting worn down. Thankfully there’s an alternative: replacing your traditional hard drive with an SSD (solid state drive). SSD’s store your data on ultra-fast flash storage. If you have a smartphone or tablet, you’r already aware of the benefits of having your data stored that way.  

SSDs are dramatically faster than traditional hard drives, and after performing the upgrade, you’ll notice speed increases in everything you do. Your computer will boot faster, programs will open more quickly, and suddenly your “old” computer will feel significantly newer. I’ve performed the upgrade myself, on my mom’s 2008 iMac and was seriously impressed by the performance boost that I saw. We were in talks about what her next computer should be, but now she says there’s no need. 

There is one significant trade off when swapping a hard drive with an SSD, and it’s how much storage you get for the price. SSD prices continue to drop, but they’re still less of a bang-for-your buck. As an example, for the price of the 250GB Samsung drive I’m going to recommend, you could get a 3TB hard drive. That’s 12x the capacity. As someone with a large media library, the compromise I’ve made is to have an SSD in my computer, but a high-capacity external hard drive to store a lot of my stuff. This arrangement leaves me with a fast computer and access to my 1080P copies of the “Lord of the Rings” movies. If you’ve moved your data to the cloud, or only have a few gigs of files on your computer, you’ll be all set.

For those who have never performed a computer upgrade before, installing an SSD is one of the easier upgrades to perform. There are a number of guides to walk you through the process, whether you’re on a PC or using a Mac.

That said it’s still absolutely necessary to make a backup of your data before opening up your computer; nothing stings more than data loss, especially if that includes priceless photos of your family. I’ve been telling all of my friends and family to upgrade to an SSD before deciding to buy a new computer. I think you, too, will be surprised by how much juice your old hardware has left in it. 

Samsung EVO 850 250GB, $ 94.99, available at Amazon.

This article was originally published on 6/7/2016.

]]> Sun, 20 Nov 2016 17:11:00 -0500 Sun, 20 Nov 2016 17:11:22 -0500 http://www.businessinsider.com/why-you-should-upgrade-hard-drive-to-solid-state-drive-ssd-2016-6 http://www.businessinsider.com/why-you-should-upgrade-hard-drive-to-solid-state-drive-ssd-2016-6?utm_source=feedburner&amp;utm_medium=referral [email protected] (Brandt Ranj) Brandt Ranj An employee demonstrates a Samsung Pay, Samsung's new mobile payment system at a shop in Seoul, South Korea, September 4, 2015. The system allows customers to pay for goods by simply placing their handsets on or next to a point-of-sale terminal. REUTERS/Kim Hong-JiThomson Reuters

The modern smartphone is a remarkable device. A single device that fits in your pocket can do all the tasks that once required cameras, camcorders, GPS devices, watches, alarm clocks, calculators, and even TVs.    

But the next change might be the most radical of all—it could eliminate the need to carry cash and credit cards.  

The growing importance of the smartphone as the go-to computing device for every digital activity is having a profound effect everywhere you look, but it’s only the biggest story among many exciting developments in the world of payments:   

  • Apple Pay was first out of the gate, but now mobile wallets are everywhere you look—Android Pay, Google Pay, Chase Pay and even Walmart Pay are making smartphones a real alternative to carrying credit cards. And the potential for mobile wallets to limit a merchant’s fraud liability could help them really take off in acceptance for small businesses.   
  • As consumers move more purchasing online, gateway vendors that can act as a front-end processor for online businesses are seeing explosive growth.   PayPal-owned Braintree grew 111% YoY in the number of cards on file in Q4 2015, while Stripe and Klarna now have multi-billion dollar valuations.
  • Mobile Point-Of-Sale (mPOS) startups like Square and ShopKeep have pioneered a whole new payments niche—accepting payments via tablets and smartphones.   Coupling their transactions capabilities with new apps can revolutionize a small business’ inventory management, marketing, loyalty and even payroll.   
  • Mobile Peer-to-Peer payments in the U.S. are forecast to grow from $ 5.6 billion in 2014 to nearly $ 175 billion by 2019 as consumers increasingly skip the hassle of writing a check or going to an ATM.   But smartphone vendors like Apple could cripple the dominant player of 2016 (Venmo) if they make a serious push to own the space.   

If your job or your company is involved in payment processing in any way, you know how complex this industry is. And you know that you simply can’t understand where the next big digital opportunities are unless you know the key players and roles in each step of the payments “supply chain:”   

  • Acquirers
  • Processors
  • Issuers
  • Card Networks
  • Independent sales organizations and merchant service providers
  • Gateways
  • Hardware and software providers

Fortunately, managing analyst John Heggestuen and research analyst Evan Bakker of BI Intelligence, Business Insider’s premium research service, have compiled a detailed report that breaks down everything you need to know—whether you’re a payments industry veteran or a newcomer who is still getting a basic knowledge of this complex world.

368896817Thomson Reuters

Among the big picture insights you’ll get from this new report, titled The Payments Ecosystem Report: Everything You Need to Know About The Next Era of Payment Processing:

  • The 5 key events of 2015 that have set up 2016 as a watershed year for the entire payments ecosystem. 
  • The basics of traditional card processing from the start of the process through to the very end.    
  • Why new players and innovations like prepaid cards, store cards, and PIN debit transactions are gaining market share and creating new opportunities.   
  • The effects—good and bad—of the transition to new mobile payment methods.   New players and old have surprising threats and opportunities in areas as varied as carrier billing, remittances, wearables, and more.   

This exclusive report takes you inside these big issues to explore:

  • The critical steps in credit card transactions and how they are changing.
  • The six major types of organizations involved in the payments ecosystem.
  • The significant differences for industry players who operate closed-loop networks and offer prepaid cards.
  • The challenges and opportunities facing hardware and software providers for the payments sector.   
  • The 8 reasons why mobile wallets are growing so fast and how they will disrupt all aspects of the mobile ecosystem.    
  • The exciting possibilities ahead in fast-growing payments subsectors like remittances, connected devices and mobile P2P payments.   
  • And much more.

To get your copy of this invaluable guide, choose one of these options:

  1. Subscribe to an ALL-ACCESS Membership with BI Intelligence and gain immediate access to this report AND over 100 other expertly researched deep-dive reports, subscriptions to all of our daily newsletters, and much more. >> START A MEMBERSHIP
  2. Purchase the report and download it immediately from our research store. >> BUY THE REPORT

The choice is yours. But however you decide to acquire this report, you’ve given yourself a powerful advantage in your understanding of the payments ecosystem.

]]> Sun, 20 Nov 2016 17:02:00 -0500 Tue, 15 Nov 2016 15:14:07 -0500 http://www.businessinsider.com/payments-ecosystem-data-and-business-potential-2016-7 http://www.businessinsider.com/payments-ecosystem-data-and-business-potential-2016-7 [email protected] (BI Intelligence) BI Intelligence United Airlines cabin crewUnited Airlines

On Tuesday, United Airlines introduced its new “Basic Economy” fare designed to compete with low-cost carriers for budget conscious travelers.

As part of the new fare class, United announced that passengers who hold these discount tickets are effectively banned from bringing onboard carry-on luggage outside of a purse or computer bag.

In addition, Basic Economy passengers cannot pre-select seating and must be the last to board each flight.

The reaction to this part of the news from the public was fast, furious, and overwhelmingly negative.

Unfortunately, this shouldn’t have been the case. That’s because, for the right price, United’s Basic Economy can be a solid product that provides a valuable service for many of its customers.

And here lies a great example of the fundamental disconnect between airlines and their customers.

From United’s perspective, Basic Economy, at it’s heart, is a product that’s supposed to give passengers, who would otherwise be relegated to flying on a low-cost carrier, access to United’s mainline experience by offering lower fares in exchange for fewer pre-flight frills.

United airlinesUnited Airlines“Customers have told us that they want more choice and Basic Economy delivers just that,” United Airlines CCO Julia Haywood said in a statement on Tuesday. “By offering low fares while also offering the experience of traveling on our outstanding network, with a variety of onboard amenities and great customer service, we are giving our customers an additional travel option from what United offers today.”

But that’s not how the public saw the announcement.

Instead of viewing Basic Economy as a new budget friendly ticket option, many saw the announcement as another example of America’s airlines nickel and dim-ing its passengers to the extreme — taking away amenities long-considered pro forma in economy class travel.

Adding fuel to the fire, the media keyed in on everything United’s new fare class lacked — no carry-on luggage, no pre-selection of seats, no ability to upgrade to a higher class. (I freely admit that I’m guilty of this as well.)

This led to a slew of stories and tweets  plastered with words such as “misery” and “contemptible”.

Much of the anger at United’s announcement is actually rooted in the fact that the announcement was made by United.

(Delta’s less-restrictive Basic Economy class is already up and running, while American’s low-cost fare option is set to launch next year.)

United, American, and Delta are America’s three remaining legacy carriers. They are the last surviving remnants of our nation’s Golden Era of commercial air travel. Many of these airlines’ passengers have been flying with them for decades. Over time, customers have become accustomed to a certain level of complimentary service and amenities.

United AirlinesUnited AirlinesBudget carriers such as Spirit and Frontier both charge for carry-on bags, earlier seats assignment and offer significantly less room for passengers. Yet, both airlines are experiencing strong growth and relatively little customer outrage.

That’s because there’s a fundamental difference in consumer expectation between a mainline legacy carrier experience and that of a low-cost airline.

Here, United failed to temper those expectations.

The airline made the Basic Economy announcement on Tuesday through a press release titled “United Sets Course To Be Best Airline For Employees, Customers, and Investors“. The introduction of the new fare class was bundled together with news about United’s adjusted fleet plans and cost saving strategy.

The airline simply put the information out there for the media and public to interpret as they will. United failed to control the rhetoric here. Since there’s already concern among airline passengers about what they see as eroding service quality among major carriers, the announcement of the new class should have been treated with kid gloves.

Airbus A319 Spirit AirlinesUnited AirlinesThe benefits Basic Economy can bring to the table for budget minded customers should have been the focus. That didn’t happen. There should have been a letter to the airline’s customers from the chief executive explaining the thinking behind the new service. That also didn’t happen.

Instead, there was an investor-relations type press release that felt cold and indirect. It failed to answer the questions United’s customer’s had and sooth the anxiety they feel.

United is perfectly capable of doing much better. Earlier this year, the airline’s Polaris premium cabin rollout was spectacularly successful.

At the end of the day, United’s Basic Economy exists and will serve a segment of the airline’s clientele well. Unfortunately, at the onset, at least, the disconnect in terms of reality versus perception between airline and customer has overshadowed everything.

NOW WATCH: Delta Air Lines just announced a brand new class for the frugal business flyer

]]> Sun, 20 Nov 2016 16:44:00 -0500 Sun, 20 Nov 2016 17:34:57 -0500 http://www.businessinsider.com/united-airlines-carry-on-baggage-ban-customer-communication-problem-2016-11 http://www.businessinsider.com/united-airlines-carry-on-baggage-ban-customer-communication-problem-2016-11?utm_source=feedburner&amp;utm_medium=referral [email protected] (Benjamin Zhang) Benjamin Zhang Goldman Sachs Marcus adYouTube/Marcus by Goldman Sachs

Goldman Sachs just ran a series of groundbreaking advertisements.

The ads are for Marcus, the firm’s first consumer lending platform. It’s an online tool that offers fixed-rate, no-fee personal loans of up to $ 30,000 for two- to six-year periods.

While Goldman Sachs has done brand-focused advertising in the past, this is its first foray into consumer product advertising.

Marcus is targeted at Americans with more than $ 10,000 in credit card debt. The ads, below, appear to be geared to middle-class families. The ads are running on Facebook, Hulu, Pandora, and YouTube.

Goldman also launched a digital savings account on GSBank.com in April, offering customers a 1.05% interest rate on their deposits, which can be as little as $ 1.

CEO Lloyd Blankfein provided some insight into the firm’s push into consumer banking while speaking with The New York Times’ Andrew Ross Sorkin at the DealBook Conference last week.

“We think we can risk-manage it, we think we can deliver it, and it’s a good, relatively safe, relatively low-capital cost business,” Blankfein said. “It’s a valuable niche for us to fill.”

In an interview last month with Carlyle Group founder David Rubenstein on Bloomberg’s recently launched “David Rubenstein Show,” Blankfein described the firm’s decision to work on its public image in the years since the financial crisis, when the bank was dubbed a “vampire squid.”

“I would say in general we never publicized what we did anywhere,” Blankfein said of the pre-crisis years.

“You never saw Goldman Sachs commercials or advertisements or even our name on our building. After the crisis, we realized that one of the things we didn’t do is we didn’t communicate enough with the public to let them know who we were and what our contribution was to society.”

Looks like that strategy has changed.

Check out the ads:

Youtube Embed:
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Youtube Embed:
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Youtube Embed:
http://www.youtube.com/embed/iOzO8i_CkCE
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Youtube Embed:
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NOW WATCH: JAMES ALTUCHER: This is why owning a home is financial suicide

]]> Sun, 20 Nov 2016 16:43:00 -0500 Fri, 18 Nov 2016 11:23:02 -0500 http://www.businessinsider.com/goldman-sachs-marcus-ads-2016-11 http://www.businessinsider.com/goldman-sachs-marcus-ads-2016-11 [email protected] (Business Insider) Business Insider eric schmidtJessica Rinaldi/Reuters

Information overload is a real problem these days. Internet trolling, fake news stories, information “echo chambers,” and the dark side of social media have headlined discussions on the future of politics and culture, particularly after the U.S. presidential elections. Perhaps no one is better suited to address this challenge than the man behind Google.

“We, and I personally, believe very strongly that more information is better, even if it’s wrong,” said Eric Schmidt, executive chairman of Google’s parent company Alphabet, Inc.

“Let’s start from the premise that more information, more empowerment, is fundamentally the correct answer” to the world’s most pressing challenges, Schmidt said Thursday after accepting Foreign Policy’s Diplomat of the Year award.

Google is facing scrutiny in the aftermath of a presidential election seasonheadlined by hacking, falsified news, trolling, and hateful rhetoric on the net. On Tuesday, Google CEO Sundar Pichai said fake news sites bankrolled by Google-served ads could have swung the election results in President-elect Donald Trump’s favor. Facebook CEO Mark Zuckerberg pushed back against similar accusations, saying it was “extremely unlikely” that his social media platform swayed the election, despite new findings indicating fake news performed better than real news on Facebook during the election.

Pichai said Google has already taken steps to confront the fake news phenomenon. “From our perspective, there should just be no situation where fake news gets distributed, so we are all for doing better here.”

In a discussion Thursday night with FP CEO and Editor David Rothkopf, Schmidt touted Google’s recent tests to combat trolling. “I’m absolutely convinced that these questions about validity, good information, bad information, will be sorted out,” he said. On trolling, Schmidt said “there’s a straightforward technological solution to an evil behavior. It’s easy to do, we did it, it can be replicated. And there’ll be more such solutions.” Googleannounced a new project to automatically fact-check news in ‘real time’ earlier Thursday.

Schmidt also stressed the positive impact of information on the world. “It’s amazing how powerful the need for information is and how information-starved everyone is. So let’s start by celebrating…that we are busy empowering people in a way that is fundamentally different,” he said, citing the economic, educational, and security benefits a person in the developing world gains from just a cell phone.

facebook fake news chartJessica Rinaldi/Reuters

Schmidt joined awardees Paris Mayor Anne Hidalgo and Hafsat Abiola, founder of the Kudirat Initiative for Democracy (KIND) on stage at FP’s awards dinner. Tech talk wasn’t the event’s only agenda item. Climate change also dominated the evening’s discussion.

Hidalgo, receiving the Green Diplomat of the Year Award on behalf of C40 Cities, called climate change “the most important challenge humankind has ever had to face.” In December 2015, a landmark international climate change deal was brokered in Hidalgo’s city. Now that deal may be under threat as Trump, a vocal skeptic of climate change, steps into the Oval Office.

“Climate change is not just a bad movie or a bad reality show,” Hidalgo said, a tacit poke at the real estate mogul and reality TV star who just won the U.S. presidency.

Amid talks of cyber war, fake news, and climate change, Abiola gave a message of hope and optimism at FP’s dinner when she received the Citizen Diplomat of the Year award.

“What we hope depends on who is in our corner,” Abiola said, speaking of the optimism she shares for the future of her native Nigeria and the United States, despite the reality of each country’s political challenges. “The distance between hope and reality is partnership, collaboration, solidarity,” she said.

NOW WATCH: Here’s how Donald Trump can function on barely any sleep — and why you shouldn’t copy him

]]> Sun, 20 Nov 2016 16:42:00 -0500 Sun, 20 Nov 2016 16:42:37 -0500 http://www.businessinsider.com/googles-ceo-has-an-interesting-position-on-fake-news-2016-11 http://www.businessinsider.com/googles-ceo-has-an-interesting-position-on-fake-news-2016-11?utm_source=feedburner&amp;utm_medium=referral Why Russia sailed its navy to Syria when doing so brings ‘nothing’ to the battle

NOW WATCH: Russia just introduced a new missile nicknamed ‘Satan 2’ — here’s a look at their other formidable weapon systems

]]> Sun, 20 Nov 2016 16:30:00 -0500 Fri, 18 Nov 2016 15:09:41 -0500 http://www.businessinsider.com/why-russia-sailed-navy-to-syria-2016-11 http://www.businessinsider.com/why-russia-sailed-navy-to-syria-2016-11 [email protected] (Military & Defense Team) Military & Defense Team Barack Obama Joe Biden president vice friends friendship smiling buddiesAlex Wong/Getty Images

The American political climate may feel polarized beyond belief, but there’s been one consistent ray of hope shining through the mess: the Joe Biden memes.

If you haven’t seen them, the vice president’s friendship with US President Barack Obama has been the source of many lighthearted internet posts in the days since the contentious 2016 presidential election.

So if all the partisan fighting has got you down, take some time to look back at Biden and Obama’s predecessors in the realm of political best buddies.

Amazon Books senior editor Erin Kodicek created this list of the best books about surprising, strange, and often heartwarming political friendships.

Here are her picks, listed in no particular order, with descriptions in her own words:

‘Frank: A Life in Politics from the Great Society to Same-Sex Marriage’ by Barney Frank

Amazon

“When former congressman Barney Frank’s book, ‘Frank: A Life in Politics from the Great Society to Same-Sex Marriage’ was released in 2015, he visited the Amazon offices and a colleague asked him what I thought was a fascinating question: Publicly, politicians seem to constantly be at each other’s throats, but is a lot of this for show? Privately, are some of the same people we see tearing into each other on our television screens actually friends? The answer, remarkably, was yes.

“Dubious? These eight books provide further proof of this phenomenon, one that has been in evidence since the Founding Fathers bickered, and yet somehow birthed a nation.”

BUY IT HERE »

‘Lafayette in the Somewhat United States’ by Sarah Vowell

Amazon

“Why would a young French aristocrat venture to our shores to join George Washington’s army and fight in the Revolutionary War? He came for the glory! He came because he believed in American ideals! He came to escape his in-laws! But, mainly it was for the Enlightenment ideas that were unevenly embraced by many of his fellow comrades.

“Sarah Vowell employs her signature acerbic wit in examining this contentious time in American history. But mainly ‘Lafayette in the Somewhat United States’ is a story of friendships: between Washington and Lafayette, between the Americans and their French allies, and between Lafayette and the American people.”

BUY IT HERE »

‘Washington and Hamilton: The Alliance that Forged America’ by Stephen F Knott and Tony Williams

Amazon

“Speaking of Washington, the guy had a lot of friends. But his relationship to Alexander Hamilton was decidedly cooler than it was with Lafayette, though arguably more monumental.

“You probably wouldn’t find these two throwing back a few pints at the local pub; Washington was too busy being virtuous, Hamilton too busy preening. But together they defied opposition from Thomas Jefferson and James Madison, foiled attempts to squander hard-won freedoms, and set the stage for a new world superpower.”

BUY IT HERE »

See the rest of the story at Business Insider]]> Sun, 20 Nov 2016 16:20:00 -0500 Fri, 18 Nov 2016 11:16:27 -0500 http://www.businessinsider.com/political-biographies-friendship-2016-11 http://www.businessinsider.com/political-biographies-friendship-2016-11 [email protected] (Business Insider) “When former congressman Barney Frank’s book, ‘Frank: A Life in Politics from the Great Society to Same-Sex Marriage’ was released in 2015, he visited the Amazon offices and a colleague asked him what I thought was a fascinating question: Publicly, politicians seem to constantly be at each other’s throats, but is a lot of this for show? Privately, are some of the same people we see tearing into each other on our television screens actually friends? The answer, remarkably, was yes.

“Dubious? These eight books provide further proof of this phenomenon, one that has been in evidence since the Founding Fathers bickered, and yet somehow birthed a nation.”

BUY IT HERE »

]]> “Why would a young French aristocrat venture to our shores to join George Washington’s army and fight in the Revolutionary War? He came for the glory! He came because he believed in American ideals! He came to escape his in-laws! But, mainly it was for the Enlightenment ideas that were unevenly embraced by many of his fellow comrades.

“Sarah Vowell employs her signature acerbic wit in examining this contentious time in American history. But mainly ‘Lafayette in the Somewhat United States’ is a story of friendships: between Washington and Lafayette, between the Americans and their French allies, and between Lafayette and the American people.”

BUY IT HERE »

]]> “Speaking of Washington, the guy had a lot of friends. But his relationship to Alexander Hamilton was decidedly cooler than it was with Lafayette, though arguably more monumental.

“You probably wouldn’t find these two throwing back a few pints at the local pub; Washington was too busy being virtuous, Hamilton too busy preening. But together they defied opposition from Thomas Jefferson and James Madison, foiled attempts to squander hard-won freedoms, and set the stage for a new world superpower.”

BUY IT HERE »

]]> “May 18th, 1860 was a bad day for William H. Seward, Salmon P. Chase, and Edward Bates. The seasoned politicians were flabbergasted to be bested at the Republican National Convention by some prairie lawyer who had only served one term in congress.

“These same men could have caused quite a headache when Abraham Lincoln was ultimately elected, but the prairie lawyer kept his rivals close, giving them cabinet positions, earning their respect, and forging a friendship with Seward that would buoy him throughout his presidency.”

BUY IT HERE »

]]> “As Hitler’s reign of terror swept through Europe largely unchecked, Winston Churchill finally stepped up and said, enough. He needed help, however, and it took more than a little coaxing to convince the famously aloof Franklin D. Roosevelt to join forces.

“Once he did, well, the rest is history. Turns out helping to deliver the world from one of the darkest moments in its history is quite the bonding experience, and the two spent an inordinate amount of the time together in service of this goal (113 days!).”

BUY IT HERE »

]]> “‘When gridlock threatens, as it too often does these days, we all hope that our elected officials will rise to the occasion, set their differences aside, and find a way to govern.

“In ‘Odd Couples: The Great Political Pairings of Modern Britain,’ Giles Radice espouses the virtues of compromise, pointing to specific moments in British history where politicians on opposite sides of the ideological fence were able to work together and propel their country forward.”

BUY IT HERE »

]]> “When you’re two world leaders facing nuclear annihilation, it helps to get along. Still, by many accounts, President Kennedy and Prime Minister Macmillan had little in common save a healthy amount of intestinal fortitude.

“Thankfully that was enough to mitigate the impact of extraordinary political upheaval — a time that saw the Bay of Pigs Invasion, the erection of the Berlin Wall, the Cuban Missile Crisis … Christopher Sandford talks about how these two very different men came together to avert a nuclear crisis, and developed an unlikely friendship in the process.”

BUY IT HERE »

]]> “You couldn’t get much more ideologically opposite than Tip O’Neill and Ronald Reagan. Tip was the highest ranking Democrat when Reagan handily won the election against Jimmy Carter in 1980, and they didn’t agree on anything: welfare, military operations, entitlement programs, and whether or not to order the chicken or fish at the White House correspondents’ dinner.

“Despite this, the two genuinely liked and respected each other, and together they managed to salvage Social Security, and nudge Northern Ireland towards peace.”

BUY IT HERE »

]]> “My family and I are on opposite sides of the political fence and, during the volatile election process, even agreeing to disagree wasn’t enough; we had to agree to not discuss politics, period.

“That’s why I find it so extraordinary that rabid Republican pundit Mary Matalin and rabid Democratic pundit James Carville have been happily married for 20-plus years. There is no way they are avoiding talking politics over coffee and Pop-Tarts in the morning. So if they can get along, and raise two children to boot, surely the rest of us can. Right?”

BUY IT HERE »

]]> Business Insider late show with stephen colbert oxford word of the year cbs“Late Show” host Stephen Colbert and “Last Week Tonight” host John Oliver, both formerly of “The Daily Show,” discussed their greatest fears in the looming Trump presidency at a fundraiser for a film festival in Colbert’s hometown of Montclair, New Jersey.

During the wide-ranging discussion, the duo touched on the “fake news” that influenced the election in comparison with the brand of satire both men presented on “The Daily Show” and “The Colbert Report,” with Colbert bemoaning his possible role in perpetuating fictional news:

“What we did was fake news. We got on TV and said ‘This is all going to be fake. We’re making fun of news,'” he said. “The fact that they call this fake news upsets me because this is just lying.”

Later, when asked about how the US would fare under the new administration, Colbert expressed that he genuinely feared that the US political system’s checks and balances would fail to rein in Trump.

“Here’s why we are most screwed,” Colbert said. “Everyone tried to stop Trump except the people he is going to appoint, they tried to stop Trump and they didn’t. He owes them nothing.”

“That’s what scares me,” said Colbert. “He owes the checks and balances of Washington nothing. Because they tried to stop him and they couldn’t. And he’s a vindictive person. Merry Christmas.”

NOW WATCH: It’s surreal to watch this 2011 video of Obama and Seth Meyers taunting Trump about a presidential run

]]> Sun, 20 Nov 2016 16:17:00 -0500 Sun, 20 Nov 2016 16:18:24 -0500 http://www.businessinsider.com/stephen-colbert-trump-2016-11 http://www.businessinsider.com/stephen-colbert-trump-2016-11?utm_source=feedburner&amp;utm_medium=referral [email protected] (Alex Lockie) Alex Lockie resume cover letter job fair application career workJustin Sullivan /Getty Images

Hiring managers rarely have the time or resources to look at each résumé closely, and they typically spend about six seconds on their initial “fit/no fit” decision.

If you want to pass that test, you need to have some solid qualifications — and the perfect résumé to highlight them.

Here are 34 things you should strike from your résumé right now.

1. An objective

If you applied, it’s already obvious you want the job.

The exception: If you’re in a unique situation, such as changing industries completely, it may be useful to include a brief summary.

Thomson Reuters

2. Irrelevant work experiences

Yes, you might have been the “king of making milkshakes” at the restaurant you worked for in high school. But unless you are planning on redeeming that title, it is time to get rid of all that clutter.

But as Alyssa Gelbard, career expert and founder of career-consulting firm Résumé Strategists, points out: Past work experience that might not appear to be directly relevant to the job at hand might show another dimension, depth, ability, or skill that actually is relevant or applicable.

Only include this experience if it really showcases additional skills that can translate to the position you’re applying for.

3. Personal details

Don’t include your marital status, religious preference, or Social Security number.

This might have been the standard in the past, but all of this information could lead to discrimination, which is illegal, so there’s no need to include it.

See the rest of the story at Business Insider]]> Sun, 20 Nov 2016 16:08:00 -0500 Fri, 18 Nov 2016 16:49:40 -0500 http://www.businessinsider.com/things-to-remove-from-resume-2016-11 http://www.businessinsider.com/things-to-remove-from-resume-2016-11 [email protected] (Business Insider) 2. Irrelevant work experiences

Yes, you might have been the “king of making milkshakes” at the restaurant you worked for in high school. But unless you are planning on redeeming that title, it is time to get rid of all that clutter.

But as Alyssa Gelbard, career expert and founder of career-consulting firm Résumé Strategists, points out: Past work experience that might not appear to be directly relevant to the job at hand might show another dimension, depth, ability, or skill that actually is relevant or applicable.

Only include this experience if it really showcases additional skills that can translate to the position you’re applying for.

]]> 6. Your hobbies

In many cases, nobody cares.

If it’s not relevant to the job you’re applying for, it’s a waste of space and a waste of the company’s time.

]]> 10. Time off

If you took time off to travel or raise a family, Gelbard doesn’t recommend including that information on your résumé. “In some countries, it is acceptable to include this information, especially travel, but it is not appropriate to include that in the body of a résumé in the US.”

]]> 14. Personal pronouns

Your résumé shouldn’t include the words “I,” “me,” “she,” or “my,” says Tina Nicolai, executive career coach and founder of Resume Writers’ Ink.

“Don’t write your résumé in the third or first person. It’s understood that everything on your résumé is about you and your experiences.”

]]> 18. Your current business-contact info

Amdur writes at NorthJersey.com:

This is not only dangerous; it’s stupid. Do you really want employers calling you at work? How are you going to handle that? Oh, and by the way, your current employer can monitor your emails and phone calls. So if you’re not in the mood to get fired, or potentially charged with theft of services (really), then leave the business info off.

]]> 22. Social-media URLs that are not related to the targeted position

Links to your opinionated blogs, Pinterest page, or Instagram account have no business taking up prime résumé real estate. “Candidates who tend to think their personal social media sites are valuable are putting themselves at risk of landing in the ‘no’ pile,” Nicolai says.

“But you should list relevant URLs, such as your LinkedIn page or any others that are professional and directly related to the position you are trying to acquire,” she says.

]]> 26. Fancy fonts

Curly tailed fonts are also a turn-off, according to O’Donnell. “People try to make their résumé look classier with a fancy font, but studies show they are harder to read and the recruiter absorbs less about you.”

]]> 30. A photo of yourself

This may become the norm at some point in the future, but it’s just weird — and tacky and distracting — to include a photo with your résumé for now.

]]> 34. Short-term employment

Avoid including a job on your résumé if you only held the position for a short period of time, Gelbard says. You should especially avoid including jobs you were let go from or didn’t like.

Vivian Giang and Natalie Walters contributed to earlier versions of this article.

]]> Business Insider

Former Navy SEAL sniper Brandon Webb completed one of the military’s hardest training programs in order to become a SEAL. Many of us have heard of “Hell Week” and how brutal the experience can be, but Webb describes a different phase of his training that proved to be even more challenging. 

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]]> Sun, 20 Nov 2016 15:46:00 -0500 Sun, 20 Nov 2016 15:47:23 -0500 http://www.businessinsider.com/navy-seal-hell-week-training-2016-11 http://www.businessinsider.com/navy-seal-hell-week-training-2016-11?utm_source=feedburner&amp;utm_medium=referral [email protected] (Eames Yates) Eames Yates Vikings Sound GuyFox

Seconds before the Minnesota Vikings took the field on Sunday, a sound guy from Fox tried to cross in front of their tunnel and was promptly bulldozed by Linval Joseph, a 6-foot-4, 329 pound defensive lineman. 

It was really just some terrible timing, and a reminder to always keep your head on a swivel. Luckily the man was ok.

Here’s the hit: 

Vine Embed:
https://vine.co/v/5tbh1YL3erW/embed/simple
Width: 600px
Height: 600px

 Another angle:

The sound guy deserves a medal, or something, for walking that one off. 

NOW WATCH: The science behind those super powerful T-shirt cannons you see at baseball games

]]> Sun, 20 Nov 2016 15:44:05 -0500 Sun, 20 Nov 2016 15:44:09 -0500 http://www.businessinsider.com/vikings-blind-side-fox-sound-guy-2016-11 http://www.businessinsider.com/vikings-blind-side-fox-sound-guy-2016-11?utm_source=feedburner&amp;utm_medium=referral [email protected] (Emmett Knowlton) Emmett Knowlton NSA CHIEF: A nation-state made a ‘conscious effort’ to sway the US presidential election

NOW WATCH: JACK DANIEL’S MASTER DISTILLER: This is the real difference between scotch, whiskey, and bourbon

]]> Sun, 20 Nov 2016 15:30:00 -0500 Fri, 18 Nov 2016 15:06:10 -0500 http://www.businessinsider.com/nsa-chief-nation-state-swayed-president-election-2016-11 http://www.businessinsider.com/nsa-chief-nation-state-swayed-president-election-2016-11 [email protected] (Military & Defense Team) Military & Defense Team beijing skylineShutterstock

The number of foreign students in American schools has been surging over the past decade, and numbers are up again, according to newly released data from the US Department of State’s Bureau of Educational and Cultural Affairs and the Institute of International Education (IIE).

Foreign students in the US were up 7.1% from last year with 1,043,839 students total, and international students now make up 5.2% of all higher education students in the US.

The influx of foreign students is vital for American universities, and especially public universities which have become increasingly dependent on foreign students to fund their budgets.

Here are the 10 foreign countries that send the most students to American colleges:

10. Mexico

Tristan Higbee/Flickr

With a population of about 122 million, Mexico sent 16,733 of its students to the US for college last year.

9. Japan

Getty Images

Japan, which has a population of about 127 million, had 19,060 of its citizens attend American colleges in 2015-16.

8. Brazil

Ariel Schwartz/Tech Insider

Of the roughly 200 million people in Brazil, 19,370 went to the US for college last year.

See the rest of the story at Business Insider]]> Sun, 20 Nov 2016 15:30:00 -0500 Fri, 18 Nov 2016 16:29:31 -0500 http://www.businessinsider.com/countries-send-most-students-american-colleges-2016-11 http://www.businessinsider.com/countries-send-most-students-american-colleges-2016-11?utm_source=feedburner&amp;utm_medium=referral [email protected] (Abby Jackson) With a population of about 122 million, Mexico sent 16,733 of its students to the US for college last year.

]]> Japan, which has a population of about 127 million, had 19,060 of its citizens attend American colleges in 2015-16.]]> Of the roughly 200 million people in Brazil, 19,370 went to the US for college last year.]]> Taiwan has close to 24 million people in it, and 21,127 went to college in America.]]> Vietnam has a population of about 90 million — 21,403 went to school in the US.]]> America’s neighbor to the north, Canada, has a population of about 35 million, and 26,973 of them attended a US college last year.]]> South Korea has a population of close to 50 million. Last year, 61,007 of its people went to college in the US.]]> With a population of about 29 million, Saudi Arabia sent 61,287 of its students to the US for college last year. ]]> India is the second largest country by population in the world with about 1.3 billion — 165,918 of its students went to an American college last year.]]> The most populous country in the world with about 1.4 billion people, 328,547 Chinese students went to college in the US in 2015-16.]]> Abby Jackson Mexico's President Enrique Pena Nieto in Mexico City, Mexico, November 9, 2016. REUTERS/Carlos Jasso  Thomson Reuters

Mexican President Enrique Peña Nieto’s approval rating has slumped to a new low since Donald Trump won the US presidency last week, in part due to his invitation of the real-estate tycoon to Mexico during the campaign, a poll showed on Sunday.

The survey by polling firm Buendia & Laredo for newspaper El Universal said approval of Peña Nieto’s performance had fallen to 25% from 29% in July, hurt by discontent about the economy, rising violence, and failure to battle corruption.

Peña Nieto’s six-year term concludes at the end of November 2018, and opinion polls show his centrist Institutional Revolutionary Party (PRI) faces an uphill battle to retain power after the next presidential election, scheduled for July 2018.

Mexican law bars the president from seeking reelection.

The government is scrambling to head off the risk of an economic shock from the election of Trump, who has pledged to isolate Mexico behind a border wall, and threatened to impose steep tariffs on Mexican goods and tear up a joint trade deal.

To try and create some leverage, Peña Nieto’s government hosted Trump for talks on August 31. However, the hastily arranged visit was staged with scant input from the cabinet and created the impression it was realized on Trump’s terms.

donald trump enrique pena nieto mexicoThomson Reuters

Some 66% of respondents said Peña Nieto had made a mistake in inviting Trump because he had offended Mexicans in the election campaign. Only 30% believed it was a wise move that furthered Mexico’s interests, the survey showed.

When asked what was the “worst thing” Peña Nieto had done, 7% of respondents cited the meeting with Trump, the third-most-common answer. Only his reforms (12%), and failing to battle crime (9%) were cited more often.

The November 11-15 survey polled 1,000 permanent residents of Mexico and yielded Peña Nieto’s lowest approval rating from Buendia & Laredo since he took office in December 2012.

Donald Trump Mexico pinata racistThomson Reuters

Another poll, conducted by Mexican newspaper Reforma in mid-August, prior to Trump’s visit, found that Peña Nieto’s approval rating had sunk 7 points since April, hitting 23% — the lowest rating for a Mexican president since the latter half of the 1990s. 

That Reforma poll found 60% of respondents said security in Mexico had worsened, while about 70% said poverty and violence had gone up over the last year.

Reforma’s poll also found that 55% of those surveyed thought corruption in the federal government had gotten worse — up from 40% who said the same in April.

Trump sparked outrage in Mexico when he launched his bid for the presidency last year by accusing the country of sending rapists and drug runners north as illegal immigrants. Trump’s presidency may yet confirm the pre-election suspicions of some that the composition of the US government will influence the outcome of Mexico’s 2018 presidential election.

Peña Nieto’s close aide Luis Videgaray, who government officials said was the architect of the meeting, stood down as finance minister a week after Trump’s trip. The president himself later conceded the visit could have been handled better.

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]]> Sun, 20 Nov 2016 15:08:00 -0500 Sun, 20 Nov 2016 15:08:39 -0500 http://www.businessinsider.com/r-mexico-presidents-rating-hits-new-low-after-trump-victory-2016-11 http://www.businessinsider.com/r-mexico-presidents-rating-hits-new-low-after-trump-victory-2016-11?utm_source=feedburner&amp;utm_medium=referral [email protected] (Christopher Woody) Christopher Woody .

NOW WATCH: JAMES ALTUCHER: This is why owning a home is financial suicide

]]> Sun, 20 Nov 2016 14:56:27 -0500 Sun, 20 Nov 2016 14:56:30 -0500 http://www.businessinsider.com/review-bmw-x1-2016-11 http://www.businessinsider.com/review-bmw-x1-2016-11 [email protected] (Matthew DeBord) Matthew DeBord tktktktkt

NOW WATCH: The real estate tricks billionaires use to sell their penthouses faster and for more money

]]> Sun, 20 Nov 2016 14:56:00 -0500 Fri, 18 Nov 2016 14:56:45 -0500 http://www.businessinsider.com/chanos-goes-short-us-oil-companies-2016-11 http://www.businessinsider.com/chanos-goes-short-us-oil-companies-2016-11 [email protected] (Business Insider) Business Insider Riot police use water cannons to disperse protesters during a protest against the arrest of pro-Kurdish Peoples' Democratic Party (HDP) lawmakers, in Istanbul, Turkey November 5, 2016.Thomson Reuters

Thousands rallied in Istanbul on Sunday (November 20), protesting against the Turkish government and what they say is a clampdown on civil freedoms after a failed coup attempt earlier in the year.

NGOs, workers’ unions and opposition parties came together in the Kartal district of Istanbul to protest against the ruling AKP party under the slogan: “We won’t surrender’, while Turkish police set up checkpoints around the area keeping a close eye on the demonstrators.

“Now the country [Turkey] is becoming a really bad place. We have innumerable problems. Only organised groups can confront these problems. So gathering here is very important,” protester Vedat Sevim said.

Turkey is fighting an insurgency by PKK militants in the largely Kurdish southeast, but the arrest of pro-Kurdish politicians and journalists, part of a wider security clampdown in the wake of a failed July coup, has raised fears among Western allies for human rights in the country.

The crackdown on pro-Kurdish politicians has run parallel with a purge of people accused of ties to U.S.-based cleric Fethullah Gulen, blamed by Turkish authorities for masterminding July’s coup attempt. Gulen denies the accusation.

More than 110,000 people have been sacked or suspended in the military, civil service, judiciary and elsewhere, while 36,000 people have been jailed pending trial as part of the investigation into the failed putsch.

Human rights groups and some Western allies have voiced concern at the scope of the purges, fearing President Tayyip Erdogan is using the coup as a pretext to curtail dissent.

The Turkish government says the actions are justified given the threat to the state posed by the coup attempt, in which more than 240 people died.

NOW WATCH: This hidden iPhone feature will boost your reception

]]> Sun, 20 Nov 2016 14:34:33 -0500 Sun, 20 Nov 2016 14:34:36 -0500 http://www.businessinsider.com/thousands-gather-in-istanbul-to-protest-the-turkish-governments-crackdown-on-civil-freedoms-2016-11 http://www.businessinsider.com/thousands-gather-in-istanbul-to-protest-the-turkish-governments-crackdown-on-civil-freedoms-2016-11?utm_source=feedburner&amp;utm_medium=referral donald trumpMark Wilson/Getty Images

WASHINGTON (Reuters) – President-elect Donald Trump will work to ensure there is “proper separation” between his business empire and his job as president of the United States, Vice President-elect Mike Pence said on Sunday, amid fresh concerns about conflict of interest following a meeting with Indian real estate executives.

Trump, who has said he planned to turn over handling of the Trump Organization to his adult children, has come under criticism for meeting on Tuesday with three Indian businessmen who are partners in a project to build a Trump-branded luxury apartment complex in Mumbai.

Pence said on the CBS program “Face the Nation” that Trump and his family would “work with the best legal minds in this country and create the proper separation from their business enterprise during his duties as president of the United States.”

A photo of the three executives meeting with Trump was posted on Twitter. Indian newspapers reported last week that the business leaders talked with the Trump Organization about expanding the Trump branded projects in India.

Incoming White House chief of staff Reince Priebus, speaking on CNN’s “State of the Union” program, said Trump would comply with all laws and have the White House counsel’s office “review all of these things.”

“And we will have every ‘I’ dotted and every ‘T’ crossed, and I can assure the American people that there wouldn’t be any wrongdoing, or any sort of undue influence over any decision-making,” Priebus said.

Trump, who takes office on Jan. 20, has said his businesses will be overseen by his three grown children, Donald Trump Jr., Ivanka Trump and Eric Trump.

Priebus was asked if it was appropriate for family members to sit in on official meetings after Ivanka Trump attended her father’s meeting with Japanese Prime Minister Shinzo Abe on Thursday.

“Donald Trump has been very clear from the very beginning that his family is very important to him,” Priebus said on CNN.

(Reporting by David Shepardson Additional reporting by Steve Holland in Bedminster, N.J. and Toni Clarke in Washington; Editing by Caren Bohan and Mary Milliken)

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]]> Sun, 20 Nov 2016 14:32:38 -0500 Sun, 20 Nov 2016 14:32:42 -0500 http://www.businessinsider.com/trump-team-promises-to-address-ethics-concerns-on-businesses-2016-11 http://www.businessinsider.com/trump-team-promises-to-address-ethics-concerns-on-businesses-2016-11?utm_source=feedburner&amp;utm_medium=referral DONALD TRUMPGETTY

The American Institute of Architects wasted no time in congratulating President-elect Donald Trump on his victory a week ago.

On November 9, the day after the election, some 89,000 licensed architects and AIA members received an email from Robert Ivy, the organization’s CEO.

The letter’s second sentence optimistically notes the $ 500 billion that President-elect Trump pledged during the campaign to spend on infrastructure. “We stand ready to work with him and with the incoming 115th Congress,” begins the third. (The full letter is below.)

By last week’s end, Ivy had a full-blown mutiny on his hand. The editorial board for The Architect’s Newspaper, writing in high dudgeon, posted a response condemning the AIA’s “conciliatory note” and the “tone, character, and appropriateness of Ivy’s memorandum.”

The Newspaper passed along almost two-dozen co-signing statements, from top practitioners such as Florian Idenburg (of SO-IL) and Nader Tehrani (of NADAAA) to institutional and academic leaders in design. At least one architect has resigned his membership with the organization.

Marlon Blackwell—whose Fayetteville, Arkansas–based firm, Marlon Blackwell Architects, was named the top design firm in the country for 2016 by Architect magazine—describes Ivy’s statement as “too little, too soon.”

Cooper Hewitt museumGETTY

“I don’t even know what [Trump] means when he’s talking about infrastructure. I understand it as roads and schools, things of that nature,” Blackwell says. “What if it turns out what he’s talking about is walls and detention centers?”

The architect, who also received a 2016 National Design Award from the Cooper Hewitt, Smithsonian Design Museum, says that he appreciates what Ivy was trying to accomplish. He trusts Ivy’s intent. But by foregrounding the opportunity that an infrastructure bill could represent for architects, the AIA has set aside the many real differences between its own stated principles and those of the Trump campaign.

“I see this situation that’s happened as a kind of circumstance, and we’ll either be directed by circumstance or we’ll direct circumstance through our principles,” Blackwell says. “The principles of the AIA are clearly stated with regard to climate, diversity, affordable housing, gender pay equality.”

“Our values are firm,” Ivy says in an email. “We remain publicly committed to addressing climate change through sustainable design principles and are resolute in helping to foster a more diverse and inclusive profession. We support resilient communities, as well as federal investment in public infrastructure—buildings like schools, hospitals, and housing.”

Five women architects who make up Equity by Design, a committee of the San Francisco chapter of the AIA, posted an open letter to Ivy. Michael Sorkin, an award-winning architect and the architecture critic for The Nation, wrote a manifesto-length essay in response (“Architecture Against Trump”) that describes the AIA statement as “temperate, agreeable, indeed feckless.”

architectGETTY

“While [Ivy’s] words appear anodyne and reflect the judicious position and celebration of America’s history of peaceful transitions of power articulated by both President Obama and Hillary Clinton, they are an embarrassment to those of us who feel that the Trump presidency represents a clear and present danger to many values that are fundamental to both our nation and our profession,” reads Sorkin’s message.

The AIA’s bylaws don’t allow the organization to endorse candidates or take official positions on political controversies, including prison design. A fairly straightforward statement such as Ivy’s letter (“It is now time for all of us to work together to advance policies that help our country move forward”) might not be out of place in another election.

“We are a bipartisan organization,” Ivy writes. “Nevertheless our mention of engagement with the new administration did cause anger and hurt, and for that, I have offered apology and regret.”

Ivy adds, “We did issue statements following both election victories for President Obama, as we have after State of the Union addresses and other situations we felt warranted our voice on how certain issues that the federal government is pursuing would affect the architecture profession.”

A number of issues raised by the Trump campaign contradict core beliefs held by many architects—and Ivy’s letter failed to address those points. First among them is climate change: What President-elect Trump has described as a hoax is one of the AIA’s most urgent policy priorities. The organization has asked its members and firms to commit to the AIA 2030 Commitment, a set of reporting standards for building-energy performance. The AIA’s own Committee on the Environment issued a letter, if not directly disagreeing with Ivy, then making its own priorities known.

trump placeGETTY

On narrow policy issues, there may be room for agreement between architects and the Republican Party—on tax reform or tort reform, for example. But the AIA’s public policies and position statements include commandments on civil rights and diversity that do not appear to be in alignment with the GOP’s victorious president-elect.

Whatever else it accomplishes, Ivy’s letter elides those differences.

“There’s a rush to normalize things,” Blackwell says. “I’m leery of this being misread by this new administration that we’re somehow in agreement or just willing to set aside what we stand for.”

Here is the full letter from the AIA:

The AIA and its 89,000 members are committed to working with President-elect Trump to address the issues our country faces, particularly strengthening the nation’s aging infrastructure. During the campaign, President-elect Trump called for committing at least $ 500 billion to infrastructure spending over five years. We stand ready to work with him and with the incoming 115th Congress to ensure that investments in schools, hospitals and other public infrastructure continue to be a major priority.

We also congratulate members of the new 115th Congress on their election. We urge both the incoming Trump Administration and the new Congress to work toward enhancing the design and construction sector’s role as a major catalyst for job creation throughout the American economy.

This has been a hard-fought, contentious election process. It is now time for all of us to work together to advance policies that help our country move forward.

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]]> Sun, 20 Nov 2016 14:30:33 -0500 Sun, 20 Nov 2016 14:30:36 -0500 http://www.businessinsider.com/architects-are-in-uproar-over-a-letter-congratulating-trump-2016-11 http://www.businessinsider.com/architects-are-in-uproar-over-a-letter-congratulating-trump-2016-11?utm_source=feedburner&amp;utm_medium=referral baby panda curious peekingHung Chung Chih / Shutterstock

I’m an only child.

And I’m probably a lot like you think I am. I’m organized and responsible and punctual. I like my space and my privacy and I’m generally cool hanging out alone for long periods at a time.

Hopefully, I’m not as obnoxious or self-centered as you might suspect, but writing an essay on the internet that starts with “I” means my chances aren’t great.

Anyway, especially now that I’m watching my friends become parents and dodge the “When are you having another?” question, there seems to be a certain amount of fascination about only children. (Freaks.) If you have fantastic siblings, being an only child probably sounds like a nightmare. If your siblings are the bane of your existence, it sounds like a dream. If your siblings are … fine, you probably haven’t even clicked into this article.

Research tends to come down on the only-children-rock side of things. In JSTOR Daily, Joanna Pocock, mother of an only, writes that 23% of Americans have one child. Sociologist Judith Blake found that only children tend to have better grades and higher IQs than those from large families. Fellow only Rebecca Harrington of Business Insider points out that research has consistently disproved the myth that only children are selfish and spoiled, and that they tend to have better relationships with their parents.

And I can tell you, based on my purely anecdotal experience of my own family and the half-dozen only children with older parents who made up my closest friend group as a kid, it’s generally a pretty sweet deal. You get all the resources and the attention and the privacy. You never have to fight anyone for anything, and if you do end up battling a foe, you can leave them at school or a playdate and retreat.

Sure, I would have liked a sibling during a family vacation when I was without anyone to build the other half of the sandcastle, or … well, actually that’s the only time. But as I’ve gotten older, there is only one reason I’ve truly, actually wanted a sibling: to have someone else on my team.

Here is my theory (it’s a hit with other onlies at the parties where we refuse to share snacks and insist on talking only about ourselves):

When you have two or more kids, you build them their own team: them versus the parent(s). Assuming they aren’t mortal enemies, they can cover for each other and pawn off blame on each other and generally represent the kid coalition and the argument for an entire hour of TV after dinner. When you have one kid, you’re adding them to the parental team: the three of you — or two of you, if you’re a single parent — are a team.

CluelessHung Chung Chih / ShutterstockThis is no big deal while your kids are little. In fact, it’s pretty cool. It’s great! It’s you guys against the world. But there’s a major problem with a team whose members have a 20-plus year age difference: one day, inevitably, the youngest team member will be all alone.

It’s not just that your youngest team member will have to care for the older in the most heartbreaking, difficult way. There will be no one to reminisce about Sunday morning pancakes or how Mom always listened to the same three songs in the car. No one will have witnessed the time Dad lost his cool and his face turned that really alarming shade of red and everyone stayed the heck away from the remote control for the next month. No one will laugh at how Mom cried from joy when you got into college or roll their eyes remembering that 12-hour layover in frozen Duluth on the way home from Grandma’s after Thanksgiving. There’s no one else who was there for the day-to-day minutiae that makes up family life. No one knows a family like the people who are in it.

This theory comes with a few assumptions. First, it assumes your childhood was a happy one and one you want to remember, which is a privilege, not a given. It assumes you and your siblings can be in a room together for enough time to swap stories, and even choose to be there semi-regularly. Again, not a given. It assumes you didn’t have another kid filling the sibling space, like a cousin who lived with you starting at age five or step-siblings who witnessed Dad putting chia seeds on his pancakes. What a nut, that Dad.

But, with those assumptions in place, the theory holds true. It’s great being on a team, until the rest of your team is gone.

And that’s the best argument I’ve ever encountered against being, or having, an only child.

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]]> Sun, 20 Nov 2016 14:20:00 -0500 Fri, 18 Nov 2016 11:09:03 -0500 http://www.businessinsider.com/argument-against-only-children-2016-11 http://www.businessinsider.com/argument-against-only-children-2016-11 [email protected] (Business Insider) Business Insider St. Louis Federal Reserve President James Bullard speaks at a public lecture on Thomson Reuters

BERLIN (Reuters) – The U.S. Federal Reserve will hold U.S. President-elect Donald Trump to his word on preserving the central bank’s independence, policymaker James Bullard told a German newspaper on Sunday.

“The transition team of the President-elect has said that it wants to protect the independence of the Fed,” Bullard told Germany’s Handelsblatt business daily.

He said he saw no need for big changes to the status of the U.S. central bank. “If inflation were at 15 percent like it was in the 1980s, there would perhaps be a reason to say that something isn’t right and it has to be changed. But that is not the case today,” he said, according to an extract of the interview in German.

(Reporting by Madeline Chambers; Editing by Richard Balmforth)

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]]> Sun, 20 Nov 2016 14:19:22 -0500 Sun, 20 Nov 2016 14:19:29 -0500 http://www.businessinsider.com/fed-promises-to-hold-trump-to-his-word-about-protecting-the-central-banks-independence-2016-11 http://www.businessinsider.com/fed-promises-to-hold-trump-to-his-word-about-protecting-the-central-banks-independence-2016-11?utm_source=feedburner&amp;utm_medium=referral black fridayRob Stothard/Getty Images

Black Friday is losing its relevancy to US shoppers. 

The holiday, which takes place the day after Thanksgiving, has historically been the biggest shopping day of the year in the US.

But over the last several years, shopper traffic in stores on Black Friday has been falling with many retailers like Walmart, Target, and Amazon kicking off their holiday discounts online several weeks in advance.

Foot traffic in stores this year is expected to fall by about 3.5% on Black Friday compared to last year, according to data from the location tracking service Foursquare. 

That’s coming on the heels of several years of declines.

Last year, about 102 million shoppers hit stores over the Thanksgiving holiday weekend, down from 147 million in 2012, according to the National Retail Federation.

That doesn’t mean people aren’t shopping during the holidays anymore. They just aren’t saving their purchases for Black Friday, or for Cyber Monday, for that matter. Many are choosing to shop online, rather than in stores.

black fridayRob Stothard/Getty ImagesAbout 137.4 million people are expected to shop in stores and online over the Thanksgiving weekend, according to a survey by the National Retail Federation. That’s up from 135.8 million who shopped over the long weekend last year.

Overall spending during the holiday period is expected to increase 3.6% over last year to $ 655.8 billion.

Online sales are forecast to grow between 7% and 10% over last year to as much as $ 117 billion.

But nearly half of American shoppers are expected to get most of their holiday shopping done before Black Friday this year, according to a survey by Market Track, a Chicago-based advertising firm.

black fridayRob Stothard/Getty ImagesThat data is supported by a BDO survey of retail executives, which said more than two-thirds of retailers expect Black Friday and Cyber Monday sales to remain flat this year.

“While retail CMOs expect an overall holiday sales pop (+4.7%), they continue to see Thanksgiving Weekend fizzling in importance,” the survey said. 

The Black Friday “effect” of extreme discounts is now spread across the months of November and December.

The question isn’t whether Black Friday is dead: It’s how many Black Fridays are there during the holiday season?” BDO consumer business leader Natalie Kotlyar said.

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]]> Sun, 20 Nov 2016 14:10:06 -0500 Sun, 20 Nov 2016 14:10:10 -0500 http://www.businessinsider.com/black-friday-is-dying-a-slow-death-2016-11 http://www.businessinsider.com/black-friday-is-dying-a-slow-death-2016-11?utm_source=feedburner&amp;utm_medium=referral [email protected] (Hayley Peterson) Hayley Peterson The Iraqi army and its partners on the ground continue to advance on Mosul, Iraq’s second-largest city and the last ISIS stronghold in the country.

In support of that advance, the US-led coalition of more than 60 countries has mounted airstrikes on ISIS facilities, personnel, and infrastructure in northern Iraq since the operation against Mosul kicked off on October 16.

In the clip below, an October 27 airstrike wipes about a facility producing the weapon ISIS has come to rely on and be known for: vehicle-borne improvised explosive devices, VBIEDs.

RAW Embed

Iraqi forces, fighting alongside Kurdish peshmerga and Shiite militias, have made considerable progress in the month since their operation to retake Mosul started.

ISIS resistance has stiffened as the fighting has reached the outskirts of the city itself. Amid the fighting, the terror group has made heavy use of VBIEDs.

A little over a week after the October 27 strike, a coalition airstrike took out another VBIED facility about 50 miles west of Mosul. During fighting in eastern Mosul one day in mid-November, ISIS deployed at least 10 car bombs against Iraqi forces. US forces reported taking out at least three such car bombs on November 16.

ISIS vbied mad maxDoD

The terrorist group has come to rely on car bombs for both their power to intimidate as well as to to overcome the defenses of their opponents. 

“It’s reminiscent of a Mad Max vehicle, with armored plating in the front to protect the driver until he can detonate the explosives he’s carrying on board,” Col. John Dorrian, spokesman for Operation Inherent Resolve, said in a Pentagon briefing on November 16. 

On October 26 and 27, 10 airstrikes near Mosul targeted VBIEDs and a VBIED facility, vehicles, weapons systems, tunnels, command-and-control centers, and fighting positions. 

The ongoing fighting in and around Mosul also poses risks to the area’s civilian population, about a million of whom are thought to be in and around Mosul during the fighting.

UN officials said on November 19 that civilian causalities from fighting between ISIS and Iraqi forces in Mosul were overwhelming government and international aid groups in the area, and that such casualities were likely to increase. 

“We are very worried that more and more civilians will be hurt and victimized as the campaign intensifies,” said Lise Grande, the UN humanitarian coordinator for Iraq, according to Reuters. “Civilians are not being caught in cross-fire, they are being targeted.”

Civilians in Iraq have also been killed by operations supporting the Iraqi campaign against ISIS. The US government said in early November that 39 civilians had been killed in 13 strikes since March this year. 

You can see the full strike video on Operation Inherent Resolves Facebook page.

NOW WATCH: ‘He’s the founder of ISIS’: Watch Trump and Obama trade insults throughout the years

]]> Sun, 20 Nov 2016 14:09:27 -0500 Sun, 20 Nov 2016 17:50:01 -0500 http://www.businessinsider.com/us-led-airstrike-on-a-vbied-facility-near-mosul-in-iraq-2016-11 http://www.businessinsider.com/us-led-airstrike-on-a-vbied-facility-near-mosul-in-iraq-2016-11?utm_source=feedburner&amp;utm_medium=referral [email protected] (Christopher Woody) Christopher Woody Obama PutinAP

LIMA (Reuters) – U.S. President Barack Obama and his Russian counterpart Vladimir Putin spoke for about four minutes on Sunday at the APEC summit about Syria and Ukraine, a White House official said.

“The president urged President Putin to uphold Russia’s commitments under the Minsk agreements, underscoring the U.S. and our partners’ commitment to Ukraine’s sovereignty,” the official said.

The summit is taking place in Peru’s capital, Lima.

Obama also emphasized the need for their two countries’ foreign ministers “to continue pursuing initiatives, together with the broader international community, to diminish the violence and alleviate the suffering of the Syrian people,” the official said.

(Reporting by Jeff Mason; Editing by Alan Crosby)

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]]> Sun, 20 Nov 2016 14:04:36 -0500 Sun, 20 Nov 2016 14:04:40 -0500 http://www.businessinsider.com/obama-and-putin-spoke-in-lima-about-ukraine-and-syria-2016-11 http://www.businessinsider.com/obama-and-putin-spoke-in-lima-about-ukraine-and-syria-2016-11?utm_source=feedburner&amp;utm_medium=referral Facebook NYC 4958Sarah Jacobs

Known for its incredible perks, impressive salaries, and great corporate culture, Facebook is one of the world’s most desirable places to work.

The Menlo Park, California-based tech giant consistently earns top spots on rankings like Business Insider’s annual “best companies to work for,” Glassdoor’s “best places to work,” and LinkedIn’s “top attractors,” among many others.

To see what all the fuss is about, Business Insider recently visited Facebook‘s Manhattan office … and let’s just say, we get it.

Here’s what we saw and learned during our tour:

We arrived at Facebook’s Greenwich Village office on a mild Friday afternoon in November. Once we checked in, we were greeted by engineering director Jeff Reynar and corporate communications manager Jamil Walker.

Sarah Jacobs

The first thing that jumped out at us on the tour was this physical embodiment of a Facebook “wall.” Reynar told us New York City Mayor Bill DeBlasio and New Jersey Senator Cory Booker recently stopped by to sign it. “What’s kind of fun about this is that there’s a wall at most of our offices,” Reynar says. “It’s kind of temporary. At some point, we’ll probably do some kind of construction and this will go away and we’ll start a fresh one with new signatures.”

Sarah Jacobs

Across all of its 66 offices and data centers worldwide, Facebook — which has a market cap of $ 280 billion as of mid-November — employs almost 16,000 people. About 1,000 of them work in the Frank Gehry-designed Manhattan location, which also houses members of the company’s Instagram team. Facebook occupies four floors of the building, which was once a Wanamaker’s department store.

Sarah Jacobs

Source: Markets Insider

See the rest of the story at Business Insider]]> Sun, 20 Nov 2016 14:03:00 -0500 Fri, 18 Nov 2016 16:46:48 -0500 http://www.businessinsider.com/facebook-new-york-office-tour-2016-11 http://www.businessinsider.com/facebook-new-york-office-tour-2016-11 [email protected] (Business Insider) Source: Markets Insider

]]> Source: Facebook]]> Business Insider jim wang wallet hacks headshotCourtesy of Jim Wang

Rewind the clock to the early 2000s. I was single, but dating my future lovely wife, and working a 9-to-5 job in the defense industry.

I kept my expenses low, my savings were high as a relative percentage of my income, and I was avoiding self-inflicted financial wounds like loading up on a lot of fixed expenses (cars, rent, etc).

I still had an abundance of time, since my girlfriend was still in college, and so I started a blog. The blog would be a precursor to this one in the personal finance world.

The blog would transition into a business, generate income, and I’d put much of that income away into savings. Those savings lived in a taxable brokerage account at Vanguard and invested in their low cost index funds. I would occasionally purchase dividend stocks, especially during the housing and financial crisis, but mostly kept it in Vanguard.

I transitioned into working on the business full-time for a few years before moving on.

All throughout, I invested the profits into other areas that I felt were differentiated from my core business. Savings were put into passive sources of income and kept as cash.

My streams of income

I run several online businesses now (all it takes to start one is a domain, hosting, and maybe incorporation). There are two notable ones. The first is meal plan membership site called $ 5 Meal Plan that I co-founded with Erin Chase of $ 5 Dinners. The second is the umbrella of blogs I run, including this one and Scotch Addict. They pay me ordinary income as well as qualified distributions since I’m a partner.

The bulk of my investments are in what we consider the “stock market,” mostly in a variety of Vanguard Index funds. I am paid interest, ordinary and qualified dividends, and will eventually be sold for capital gains. I also have some private placements that are debt and equity instruments which so far just result in interest.

I’ve also made hard money loans to real estate investors (just one individual). They’re simple loans where I am paid interest on a monthly basis.

There are so many more streams than what I’ve listed — I know a lot of people who collect rental income and royalties (like from books or other creative work) — but I don’t have any of those.

The key thing to note in those various streams is how few of them rely on my active participation on a daily basis and how they are fueled from savings. My active participation is in the blogs and $ 5 Meal Plan. Everything is passive, outside of routine maintenance like updating my net worth record, and none of them would be possible if I didn’t have the savings to invest it.

If you were to look at my tax return for 2015, here is how my AGI broke down:

  • Wages — 16% (part active, part passive)
  • Interest — 11% (passive)
  • Dividends — 21% (passive)
  • Capital Gains — 34% (passive)
  • Business Income — 18% (part active, part passive)

The vast majority of our income is passive and those funds continue to accumulate (with occasional unrealized “paper” losses as the market moves) without my active participation.

In fact, it’s at the point where the financial benefits of active work no longer have an impact on our net worth. Last year’s wages divided by our net worth was less than 1%.

This transition was one of the biggest personal challenges I faced after “retirement” — a subject I discussed in a post on What They Don’t Tell You About Retiring Early on the great Our Next Life blog. Decoupling work from pay was a huge step.

Not all passive streams are equal

There is only one stream where you bear all of the risk but reap all of the rewards — the stock market. (We can quibble over the use of absolutes but I think you get the point)

In every other case, you bear more of the risk than the rewards you potentially reap because you need to pay someone who is active. If you invest in a business, you take on a lot of risk but you don’t get all of the rewards. Before distributions to shareholders, operators will be paid.

Not only that but in almost all other cases there is the illusion of influence, which is itself a psychological and emotional cost. If you invest in a business that your friend or family member is running, you can see how things can get messy. You have thoughts on how things should be done, they have competing thoughts, if things aren’t going well… we know how this story goes.

That being said, the upside to many of the other options can far exceed the stock market and that balloon payment is very appealing. In five years, I built a website from $ 0 to seven figures. You cannot do that with the stock market.

The cash flow, leverage, and tax benefits in other passive streams, like real estate, is also very appealing. Donald Trump took a $ 1 billion tax deduction a few years ago! You cannot do that with the stock market either.

What’s the point …

The point is that wealth accumulation is only possible if you are able to convert active work into income. The higher the rate (pay) the better.

Then avoid self-inflicted financial wounds (you can’t do much about what life throws at you) — then convert those savings into passive income sources.

One final video to cement this idea that the path to wealth is through passive income — it’s a TED talk by Thomas Piketty, author of “Capital in the Twenty-First Century.”

Capital in the Twenty-First Century was published in 2013, it’s very dense with a ton of data, and it focuses on wealth and income inequality.

The core idea is that, over the long term, the rate of return on capital is greater than the rate of economic growth.

This is how wealth becomes concentrated and one of the powerful reasons to save more and have your capital work for you.

Youtube Embed:
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If you watched the video, he goes into a discussion about shocks (about 8 minutes in) like bad investments but how they don’t really matter as much if r (rate of return) is greater than g, the rate of economic growth. If r = 5% and g = 1%, then you can lose 80% (the difference) and still be ahead because the return on the remaining 20% has paced with economic growth.

This is a similar idea to my idea of financial gravity. If your savings can grow at a rate that exceeds your own spending, you leave the gravitational pull and now your income is decoupled from your active work.

Now, all that said, if capital (savings) grows faster than the growth of the economy, those with savings will see their wealth grow at a faster rate than those who rely on the growth of their income. While this is not an extension of Piketty’s argument (you can’t take an idea that applies to a population and a whole economy and boil it down to the individual like this), it’s not an unreasonable conclusion to take and apply to your own life. (Piketty does talk about this on an individual level, but says it’s more impactful for billionaires vs. millionaires — though we have limited data into individuals)

If all the talk of passive income and having your money do the work for you didn’t convince you, Piketty’s work (and talk) should put the final nail in that coffin.

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]]> Sun, 20 Nov 2016 14:00:00 -0500 Fri, 18 Nov 2016 17:11:46 -0500 http://www.businessinsider.com/the-vast-majority-of-my-money-comes-from-passive-income-2016-11 http://www.businessinsider.com/the-vast-majority-of-my-money-comes-from-passive-income-2016-11 [email protected] (Jim Wang) Jim Wang Volunteers fumigate along a street in Yangon, Myanmar November 18, 2016.Thomson Reuters

YANGON (Reuters) – Three bombs exploded at a supermarket in Myanmar’s largest city Yangon on Sunday evening, causing limited damage and no injuries, the Ministry of Information said on its official Facebook page.

The military conducted a sweep of the area after the authorities sealed off the site, it said.

It was not immediately clear who was behind the blast, which occurred in a residential part of the city several kilometres (miles) away from the city centre. The government is investigating the explosions, the statement said.

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]]> Sun, 20 Nov 2016 13:56:20 -0500 Sun, 20 Nov 2016 13:56:23 -0500 http://www.businessinsider.com/no-reported-injuries-after-three-bombs-exploded-at-a-supermarket-in-myanmar-2016-11 http://www.businessinsider.com/no-reported-injuries-after-three-bombs-exploded-at-a-supermarket-in-myanmar-2016-11?utm_source=feedburner&amp;utm_medium=referral AP110201148779AP Photo/Matt Dunham

Retired Marine Gen. James Mattis is in the running to lead the Pentagon for President-elect Donald Trump, and one thing is absolutely certain: He is eminently quotable.

The 66-year-old former four-star general met with Trump on Saturday to discuss a possible job offer as Defense Secretary and a large portion of D.C. is rallying behind him. 

Mattis is something of a legendary figure in the US military. Looked at as a warrior among Marines and well-respected by members of other services, he’s been at the forefront of a number of engagements. 

If you look back on his storied 44-year career leading Marines in battle, and the many colorful quotes that he has given over the years, it’s pretty easy to see why.

We’ve gathered some of Mattis’ best sayings, taken from this San Diego Union-Tribune profile, unless otherwise specified.

Geoffrey Ingersoll contributed reporting on a previous version of this article.

“You cannot allow any of your people to avoid the brutal facts. If they start living in a dream world, it’s going to be bad.”

via Department of Defense

Mattis has often talked to Marine leaders about staying sharp.

The “dream world” he alluded to is a reference to a complacent attitude, and it’s one that can cost lives if troops aren’t vigilant.

“If in order to kill the enemy you have to kill an innocent, don’t take the shot. Don’t create more enemies than you take out by some immoral act.”

via Dvidshub

As a co-author of the military’s counter-insurgency manual (with retired Army Gen. David Petraeus), Mattis has often spoke about following the rules of engagement and being disciplined among a ruthless enemy.

“I come in peace. I didn’t bring artillery. But I’m pleading with you, with tears in my eyes: If you f–k with me, I’ll kill you all.”

via Department of Defense

After the initial Iraq invasion, “Chaos” (his radio callsign) sent home his tanks and artillery and used the “carrot and the stick” with Iraqi tribal leaders.

See the rest of the story at Business Insider]]> Sun, 20 Nov 2016 13:48:01 -0500 Sun, 20 Nov 2016 13:56:57 -0500 http://www.businessinsider.com/general-mattiss-best-quotes-2016-11 http://www.businessinsider.com/general-mattiss-best-quotes-2016-11?utm_source=feedburner&amp;utm_medium=referral [email protected] (Paul Szoldra) Mattis has often talked to Marine leaders about staying sharp.

The “dream world” he alluded to is a reference to a complacent attitude, and it’s one that can cost lives if troops aren’t vigilant.

]]> As a co-author of the military’s counter-insurgency manual (with retired Army Gen. David Petraeus), Mattis has often spoke about following the rules of engagement and being disciplined among a ruthless enemy.]]> After the initial Iraq invasion, “Chaos” (his radio callsign) sent home his tanks and artillery and used the “carrot and the stick” with Iraqi tribal leaders.]]> Speaking to his Marines at al Asad air base in Iraq, he tried to motivate them to stay sharp and continue the mission.

He ended the speech, telling them in Patton-esque fashion, “I feel sorry for every son of a bitch that doesn’t get to serve with you.”

]]> One of his “words to live by” for his Marines in Iraq, which was a call for his troops to remain vigilant and never let their guard down even in the company of those who seem friendly.

In a country where insurgents would blend into the local populace with ease, it was good advice.

]]> Mattis demonstrates that he is willing to extend an olive branch to those on the fence — but always carries the weight of Marine firepower if that doesn’t work out.

This quote is often shared among Mattis fans for its almost Spartan-like delivery.

]]> The general has always been confident in his abilities and that of his Marines.

He led the 1st Marine Expeditionary Brigade into Afghanistan in 2001, the 1st Marine Division into Iraq in 2003, and led an operation into Fallujah in 2004 dubbed “Operation Vigilant Resolve,” and helped to plan the later “Operation Phantom Fury.”

His success in battle and strategic genius has earned him an almost-Godlike status among Marines.

]]> The General is a student of history and avid reader.

He often stresses the importance of education and training on building effective future leaders.

]]> Some Mattis quotes don’t come without a degree of controversy, including this one.

Mattis said this while speaking about his time on the ground in Afghanistan, but he was later counseled by his boss, Marine Commandant Gen. Michael Hagee, who said “he should have chosen his words more carefully.”

]]> Many Marines still look up to Mattis as a cult-like figure. Nevertheless, he has always been seen as a consummate professional.

A Marine officer we spoke with told Business Insider: “The more I learned about him, the more I saw that the things we were doing right seemed to be associated with his philosophy of command.”

]]> As a highly-educated four-star General, Mattis probably can spell it, but he wants his Marines to know that they should never let it happen.]]> He often emphasizes to his troops that they need to be problem solvers, only using firepower as a last result. 

While one of his nicknames is “Mad Dog,” many other Marines know him as the “Warrior Monk” — a general who reads and studies constantly that has never been married.

]]> As a top General, we can safely assume that Mattis has had to sit through his fair share of awful PowerPoint briefings. Mattis actually banned briefers from using the software while he was in charge of US Central Command — a practice that other top generals have followed.]]> Mattis wants educated leaders that can be both book smart and be able to get the job done.]]> Mattis believes the battlefield is better off being far from American shores.]]> In places such as Iraq and Afghanistan, alliances can often shift quickly.

Mattis spoke to Congress on this point after a series of green-on-blue attacks that left military leaders struggling to find a solution.

]]> Before heading into Iraq in 2003, all Marines of the 1st Marine Division received a letter from General Mattis.

In the letter, he spoke candidly to his troops, telling them that “we will move swiftly and aggressively against those who resist, we will treat others with decency, demonstrating chivalry and soldierly compassion for people who have endured a lifetime under Saddam’s oppression.”

]]> This line from his 2003 letter to his Marines foreshadows his contribution in 2006 to counter-insurgency doctrine, which stresses battlefield discipline, and protection of the civilian populace.]]> Mattis uses “never lost their nerve” in his 2003 letter to his men, utilizing a line from the Marines’ Hymn.

He goes on to offer another, telling them to “keep your honor clean.” Mattis, an avid reader of history, wants his Marines to live up to the legacy of past warriors.

]]> Paul Szoldra The Insider Picks team writes about stuff we think you’ll like. Business Insider has affiliate partnerships so we get a share of the revenue from your purchase.

9k=Stitch FixI’ve covered a few men’s clothing subscription services in the past, but recently I got the chance to try out Stitch Fix

It might be the best of the bunch, especially for guys who are a bit more selective when it comes to their look. Like other services, Stitch Fix delivers customers a box of clothing options based on a style profile they fill out while signing up for the first time.

Each box contains five items that customers can then try on and see what fits and what doesn’t, or what matches their style and what’s not for them. From there, you can choose to keep what you want and return the rest of the clothing in a prepaid and pre-addressed return package.

What sets Stitch Fix apart from other services I’ve tried in this vein is its specificity and service.

The style profile you fill out is quite detailed — asking questions about style, fit, and why you wear what you wear. After each box, customers are asked to rate each of their items based on how it matched their style, how it fit, and what its value was in terms of cost versus quality. Answers to these questions allow for your style profile to become more detailed over time. The idea is for your next delivery to match your tastes even better than the last one.

In my delivery that the company sent me for reviewing purporses, I received two shirts, a sweater, a pair of jeans, and a pair of dress socks. To my surprise, the fit on everything was either great or relatively good, which is much better than I often do shopping for myself.

Specifically, the first thing I tried on was the red flannal you see above from Hawker Rye (a brand exclusive to Stitch Fix), and I immidiately fell in love with it. The jeans had a bit of a tighter fit than I would normally choose on my own, but in a way that was more “stepping a bit outside my fashion comfort zone” than “these are too tight and impossible to move in.” This is one of the values I see in services like Stitch Fix — it might encourage you to try on something you wouldn’t have tried out otherwise, allowing you to slowly expand your style.

StitchFix DeliveryStitch Fix

While I was impressed with the clothes that were delivered to me, the standout feature of Stitch Fix has to be the interaction between customer and stylist, and the flexibility the site allows.

Customers can choose how often they receive deliveries, so whether you are looking to rebuild your wardrobe month by month or only want a few new items for each season, Stitch Fix has you covered. You can also add detailed notes to each of your items, giving your stylist a better idea of how to find a match next time around if the first pair of jeans they sent weren’t the perfect pair for you. If you know what you need, you can let them know, whether it’s a new pair of chinos, or maybe an entire box filled with slightly higher-end options than you normally go for, because you’re about to start a new job.

Altogether, my five items came in at almost $ 400. But since customers who keep all five items get a 25% discount on their order, the total at checkout was $ 300, which is a solid value for a full wardrobe refresher for the season.

It’s a more expensive option than counterparts such as Five Four Club, but Stitch Fix provides more personalized clothing options and a stylist who will react to your needs in real time. 

You can get started with Stitch Fix here.

Or, you can give the gift of Stitch Fix this holiday season by clicking here.

]]> Sun, 20 Nov 2016 13:39:00 -0500 Sun, 20 Nov 2016 13:39:49 -0500 http://www.businessinsider.com/stitch-fix-clothing-subscription-service-review-2016-11 http://www.businessinsider.com/stitch-fix-clothing-subscription-service-review-2016-11?utm_source=feedburner&amp;utm_medium=referral [email protected] (Tyler Lauletta) Tyler Lauletta RAW Embed

If you were carefully watching this Sunday’s episode of “The Walking Dead,” you may have noticed an awkward interaction between Rick and Daryl. Some fans have started to speculate that interaction was more than it seemed.

Follow Tech Insider: On Facebook

]]> Sun, 20 Nov 2016 13:30:00 -0500 Fri, 18 Nov 2016 18:03:11 -0500 http://www.businessinsider.com/walking-dead-morse-code-daryl-rick-theory-2016-11 http://www.businessinsider.com/walking-dead-morse-code-daryl-rick-theory-2016-11 [email protected] (Darren Weaver) Darren Weaver ISIS is using ‘Mad Max’-style vehicle bombs in Iraq

NOW WATCH: Footage reveals ISIS’ secret underground tunnels near Mosul

]]> Sun, 20 Nov 2016 13:30:00 -0500 Fri, 18 Nov 2016 15:02:51 -0500 http://www.businessinsider.com/isis-mad-max-vehicle-bombs-iraq-2016-11 http://www.businessinsider.com/isis-mad-max-vehicle-bombs-iraq-2016-11 [email protected] (Military & Defense Team) Military & Defense Team kanye westChristopher Polk/Getty

Just days after telling fans that he would have voted for Donald Trump, Kanye West gave the public a piece of his mind again on Saturday night, this time about politics, the music industry, Beyoncé and Jay Z at the Sacramento, California, stop of his Saint Pablo Tour.

Captured on video by concert goers, West told the audience he was “hurt” after hearing that Beyoncé refused to perform at the MTV Video Music Awards unless she won Video of the Year over him, and he also urged her husband Jay Z to call him.

“Jay Z I know you got killers, please don’t send them at my head. Talk to me like a man,” said West. 

West said he was putting his life and career at risk by talking to the fans in the audience “like this.”

Those in attendance said on social media that West then played only a few songs before ending the concert, which began 90 minutes late.

“The Saint Pablo tour is the most relevant thing happening. If your old a– keeps following old models, your a– is going to get Hillary Clintoned. You might not like it, but you need to hear it,” said West in the meandering rant where he also declared he was “oh his Trump s— tonight,” as he bashed MTV and radio executives. 

“This is the future, this is the way of thinking to make America great again,” said West, though it’s not clear what specifically he was referring to. 

West’s representative did not immediately respond to request for comment.

Several fans claiming to have been at the show took to social media to express their dissatisfaction with the shortened show, and the hashtag #KanyeIsOverParty began trending on Twitter on Sunday.

Watch a clip of Kanye’s rant below (Warning, foul language):

Youtube Embed:
http://www.youtube.com/embed/DHyLbD2lUCc
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Height: 473px

The Associated Press contributed to this report.

NOW WATCH: ‘The Walking Dead’ fans think they uncovered something huge in this scene from the latest episode

]]> Sun, 20 Nov 2016 13:25:00 -0500 Sun, 20 Nov 2016 14:03:15 -0500 http://www.businessinsider.com/ap-kanye-west-rants-about-beyonc-before-cutting-concert-short-2016-11 http://www.businessinsider.com/ap-kanye-west-rants-about-beyonc-before-cutting-concert-short-2016-11?utm_source=feedburner&amp;utm_medium=referral [email protected] (Alex Lockie) Alex Lockie Richard BransonBusiness Insider

In many ways, Richard Branson is the prototypical entrepreneur.

Since starting the Virgin Group 46 years ago, he’s overseen hundreds of companies around the world, in a wide range of industries, bearing the Virgin name.

There’s no difference between the way he approaches risks in both his professional and personal lives, which is made clear in the new documentary “Don’t Look Down.” The film highlights footage of both his record-breaking hot-air balloon voyages, transatlantic in 1987 and transpacific in 1991.

Business Insider recently sat down with Branson to discuss the film, and how it reveals insight into his entrepreneurial philosophy. We asked him for the most common advice he gives to the entrepreneurs he hosts at conferences on his private island.

“When somebody comes to me who’s interested in starting a business, I think my first question is, ‘Do you have an idea that’s going to make other people’s lives better?’ If you do, you have a business,” he said.

“And my second bit of advice would be, ‘Screw it, just get on and do it.'” As Branson told Fortune in May, “I’m a great believer in just getting out there and trying. Sometimes you fall flat on your face; sometimes you succeed.”

Branson has also consistently explained over the years that entrepreneurs need to set aside their egos and hire people who are better than they are in certain areas, and to make sure — despite the ups and downs of building a business — everyone’s having fun at the end of the day.

“Surround yourself with great people,” Branson told us. “Make sure you have a lot of fun in the process. Make sure you find time for yourself. And just get on with it.”

NOW WATCH: RICHARD BRANSON: We’ve just ‘got to give Donald Trump and his team three months, six months’

]]> Sun, 20 Nov 2016 13:20:00 -0500 Fri, 18 Nov 2016 16:14:31 -0500 http://www.businessinsider.com/richard-branson-advice-for-entrepreneurs-2016-11 http://www.businessinsider.com/richard-branson-advice-for-entrepreneurs-2016-11?utm_source=feedburner&amp;utm_medium=referral [email protected] (Richard Feloni) Richard Feloni Fintech Image No Colorshutterstock/a-image

We’ve entered the most profound era of change for financial services companies since the 1970s brought us index mutual funds, discount brokers and ATMs.

No firm is immune from the coming disruption and every company must have a strategy to harness the powerful advantages of the new fintech revolution.

The battle already underway will create surprising winners and stunned losers among some of the most powerful names in the financial world: The most contentious conflicts (and partnerships) will be between startups that are completely reengineering decades-old practices, traditional power players who are furiously trying to adapt with their own innovations, and total disruption of established technology & processes:

  • Traditional Retail Banks vs. Online-Only Banks: Traditional retail banks provide a valuable service, but online-only banks can offer many of the same services with higher rates and lower fees

  • Traditional Lenders vs. Peer-to-Peer Marketplaces: P2P lending marketplaces are growing much faster than traditional lenders—only time will tell if the banks strategy of creating their own small loan networks will be successful

  • Traditional Asset Managers vs. Robo-Advisors: Robo-advisors like Betterment offer lower fees, lower minimums and solid returns to investors, but the much larger traditional asset managers are creating their own robo-products while providing the kind of handholding that high net worth clients are willing to pay handsomely for.

As you can see, this very fluid environment is creating winners and losers before your eyes…and it’s also creating the potential for new cost savings or growth opportunities for both you and your company.

After months of researching and reporting this important trend, Sarah Kocianski, senior research analyst for BI Intelligence, Business Insider’s premium research service, has put together an essential report on the fintech ecosystem that explains the new landscape, identifies the ripest areas for disruption, and highlights the some of the most exciting new companies. These new players have the potential to become the next Visa, Paypal or Charles Schwab because they have the potential to transform important areas of the financial services industry like:

  • Retail banking

  • Lending and Financing

  • Payments and Transfers
  • 
Wealth and Asset Management

  • Markets and Exchanges

  • Insurance

  • Blockchain Transactions


If you work in any of these sectors, it’s important for you to understand how the fintech revolution will change your business and possibly even your career. And if you’re employed in any part of the digital economy, you’ll want to know how you can exploit these new technologies to make your employer more efficient, flexible and profitable.

Among the big picture insights you’ll get from The Fintech Ecosystem Report: Measuring the effects of technology on the entire financial services industry:

  • Fintech investment continues to grow. After landing at $ 19 billion in total in 2015, global fintech funding had already reached $ 15 billion by mid-August 2016.
  • The areas of fintech attracting media and investor attention are changing. Insurtech, robo-advisors, and digital-only banks are only a few of the segments making waves. B2B fintechs are also playing an increasingly prominent role in the ecosystem. 
  • It’s not all good news for fintechs. Major hurdles, including customer acquisition and profitability, remain. As a result, many are becoming more willing to enter partnerships and adjust their business models. 
  • Incumbents are enacting strategies to ensure they remain relevant. Many financial firms have woken up to the threat posed by fintechs and are implementing innovation strategies to stave off disruption. The majority of these strategies involve some interaction with fintech firms. 
  • The relationship between incumbents and fintechs continues to evolve. Fintechs are no longer viewed exclusively as a threat, nor can they be ignored. They are increasingly viewed as partners, but that narrative alone is too simple — in reality, a more nuanced connection is taking hold. 

This exclusive report also:

  • Assesses the state of the fintech industry. 
  • Gives details on the drivers of its growth. 
  • Explains which areas of fintech are gaining traction. 
  • Outlines the range of current and potential models for fintech and incumbent interaction. 

The Fintech Ecosystem Report: Measuring the effects of technology on the entire financial services industry is how you get the full story on the fintech revolution.

To get your copy of this invaluable guide to the fintech revolution, choose one of these options:

  1. Subscribe to an ALL-ACCESS Membership with BI Intelligence and gain immediate access to this report AND over 100 other expertly researched deep-dive reports, subscriptions to all of our daily newsletters, and much more. >> START A MEMBERSHIP
  2. Purchase the report and download it immediately from our research store. >> BUY THE REPORT

The choice is yours. But however you decide to acquire this report, you’ve given yourself a powerful advantage in your understanding of the fast-moving world of financial technology.

]]> Sun, 20 Nov 2016 13:01:00 -0500 Tue, 15 Nov 2016 15:11:19 -0500 http://www.businessinsider.com/fintech-ecosystem-financial-technology-data-and-business-opportunities-2016-7 http://www.businessinsider.com/fintech-ecosystem-financial-technology-data-and-business-opportunities-2016-7 [email protected] (BI Intelligence) BI Intelligence denver neighborhood houses autumnShutterstock

How much does it take to buy a home?

Mortgage site HSH.com has updated its estimate of how much annual income a household would need to buy a home in major metropolitan areas in the US, according to third-quarter 2016 data.

In Q3, mortgage rates fell across the board for the second quarter in a row, which offset small increases in home prices in all but four major markets, making it more affordable to buy a home in the majority of major US cities.

However, a shortage of homes on the market means that if mortgage rates were to rise, buyers would find themselves in an expensive, tight spot.

HSH.com looked at median home prices from the National Association of Realtors. It took into account interest rates for common 30-year fixed-rate mortgages and property taxes and insurance costs to figure out how much money it would take to pay a median-priced home’s mortgage, taxes, and insurance in each city, and how much you’d have to earn to afford it.

HSH.com emphasizes that this is only the base cost of owning a home, without taking into account maintenance and other incidentals.

The site also calculated how it would change the salary needed to buy a home if a buyer were to put 10% down instead of the recommended 20%. No matter where you are, putting down less makes things more expensive — you can visit HSH.com to see both numbers.

Salaries are listed from lowest to highest needed and are rounded to the nearest $ 500.

19. San Antonio

Google Maps

Population: 1,409,000

Median home price: $ 212,300

Monthly mortgage payment: $ 1,127

Salary needed to buy: $ 48,500

18. Orlando

Google Maps

Population: 255,483

Median home price: $ 229,900

Monthly mortgage payment: $ 1,162

Salary needed to buy: $ 50,000

17. Minneapolis

Google Maps

Population: 407,207

Median home price: $ 240,300

Monthly mortgage payment: $ 1,181

Salary needed to buy: $ 50,500

See the rest of the story at Business Insider]]> Sun, 20 Nov 2016 13:00:00 -0500 Fri, 18 Nov 2016 17:25:17 -0500 http://www.businessinsider.com/salary-to-buy-a-home-2016-11 http://www.businessinsider.com/salary-to-buy-a-home-2016-11 [email protected] (Business Insider) Population: 1,409,000

Median home price: $ 212,300

Monthly mortgage payment: $ 1,127

Salary needed to buy: $ 48,500

]]> Population: 255,483

Median home price: $ 229,900

Monthly mortgage payment: $ 1,162

Salary needed to buy: $ 50,000

]]> Population: 407,207

Median home price: $ 240,300

Monthly mortgage payment: $ 1,181

Salary needed to buy: $ 50,500

]]> Population: 2,076,189

Median home price: $ 217,400

Monthly mortgage payment: $ 1,203

Salary needed to buy: $ 51,500

]]> Population: 1,517,628

Median home price: $ 234,800

Monthly mortgage payment: $ 1,239

Salary needed to buy: $ 53,000

]]> Population: 2,518,638

Median home price: $ 230,500

Monthly mortgage payment: $ 1,255

Salary needed to buy: $ 54,000

]]> Population: 640,064

Median home price: $ 264,300

Monthly mortgage payment: $ 1,305

Salary needed to buy: $ 56,000

]]> Population: 2,824,584

Median home price: $ 244,100

Monthly mortgage payment: $ 1,430

Salary needed to buy: $ 61,000

]]> Population: 479,686

Median home price: $ 327,000

Monthly mortgage payment: $ 1,510

Salary needed to buy: $ 64,500

]]> Population: 417,650

Median home price: $ 315,000

Monthly mortgage payment: $ 1,513

Salary needed to buy: $ 65,000

]]> Population: 609,456

Median home price: $ 358,500

Monthly mortgage payment $ 1,628

Salary needed to buy: $ 70,000

]]> Population: 649,495

Median home price: $ 386,800

Monthly mortgage payment: $ 1,650

Salary needed to buy: $ 70,500

]]> Population: 582,049

Median home price: $ 393,500

Monthly mortgage payment: $ 1,830

Salary needed to buy: $ 78,500

]]> Population: 652,405

Median home price: $ 422,100

Monthly mortgage payment: $ 1,908

Salary needed to buy: $ 82,000

]]> Population: 8,213,839

Median home price: $ 397,600

Monthly mortgage payment: $ 1,994

Salary needed to buy: $ 85,500

]]> Population: 645,966

Median home price: $ 435,300

Monthly mortgage payment: $ 2,007

Salary needed to buy: $ 86,000

]]> Population: 3,794,640

Median home price: $ 536,700

Monthly mortgage payment: $ 2,336

Salary needed to buy: $ 100,000

]]> Population: 1,284,347

Median home price: $ 589,300

Monthly mortgage payment: $ 2,535

Salary needed to buy: $ 108,500

]]> Population: 777,660

Median home price: $ 835,400

Monthly mortgage payment: $ 3,550

Salary needed to buy: $ 152,000

]]> Business Insider gary vaynerchukGary Vaynerchuk

Want to know what I think you should really be focusing on if you want to get to the next level professionally?

Here are four ways to further your career.

1. Become a deep practitioner in something.

Whether you do it for your business, or just for yourself as a hobby, practice something on a deep level. One of the reasons my agency VaynerMedia has grown to be such a leader in our industry is because I myself use social media every single day.

I understand the trigger points that make things successful in a creative world, and I understand the context of the platforms like Snapchat and Instagram. There hasn’t been a single one of my 135,000 tweets that I haven’t sent myself.

So, whether it’s Instagram or Snapchat or something emerging like musical.ly, become a practitioner. Stop judging what people are doing or saying it and do it. Engage.

2. Audit your 7 p.m. to 2 a.m.

Back in the days of my first big keynotes, and my first book, “Crush It,” I began to get obsessed with the time period between 7pm and 2am. I do not think that there is a more practical way to bring happiness and joy to your life, whether it’s financial or creative, than to really audit your 7 p.m. to 2 a.m.

I am quite practical about things; it might not be what people expect from me, but I am. That time between when the traditional work day ends and when you fall asleep is the white space for so many people to do great things around businesses. Whether that’s advancing your career by staying in the office late, or going home and building out your cooking blog or SoundCloud account, use that time more wisely in 2016.

3. Practice self-awareness.

I’ve been on this kick publicly for the last 18 months and, personally, my entire life. I believe self-awareness is the greatest gift a person can have. I tried to tackle this year how to find self-awareness; out of this entire article, if you make this one your 2016 priority, you will grow happier and more successful. I promise that.

4. Eliminate complaining.

Looking at the negative, seeing the glass as half empty, and complaining are the absolute biggest wastes of time a human being can engage in. I highly recommend, whether it is through therapy or just kicking the habit, cut your complaining in half till you are no longer used to just doing it without thinking.

Systematically. Post-it notes. Listening to positive podcasts. Doing mediation. Whatever helps you do less complaining. It truly is one of the biggest things that can stand in the way of success, both professionally and personally. I would be remiss not to have it on this list.

Gary Vaynerchuk has built businesses all his life: In his 20s, he grew his family liquor store from $ 3 million to $ 45 million in five years and launched WineLibrary.com, one of America’s first wine e-commerce sites. In 2009, he co-founded VaynerMedia, a social-first digital agency which helps brands market in the year we live in.

An angel investor and adviser to some of tech’s most successful businesses since social media’s early days, Gary has counseled and invested in more than 50 tech startups, including Twitter, Tumblr, Medium, BirchBox, Uber, and Venmo. In 2014, Gary launched $ 25 million seed fund Vayner/RSE to continue his successful investing career. Read more from Gary here.

NOW WATCH: JACK DANIEL’S MASTER DISTILLER: This is the real difference between scotch, whiskey, and bourbon

]]> Sun, 20 Nov 2016 13:00:00 -0500 Fri, 18 Nov 2016 17:28:36 -0500 http://www.businessinsider.com/career-advice-gary-vaynerchuk-2016-11 http://www.businessinsider.com/career-advice-gary-vaynerchuk-2016-11 [email protected] (Gary Vaynerchuk) Gary Vaynerchuk Mike PenceREUTERS/Jonathan Ernst

Mike Pence, the vice president-elect of the US, has said he doesn’t believe smoking kills people.

He made that case in an op-ed article published in 2000 and has made no public effort to update his position since.

“Time for a quick reality check,” Pence wrote. “Despite the hysteria from the political class and the media, smoking doesn’t kill. In fact, 2 out of every three smokers does not die from a smoking related illness and 9 out of ten smokers do not contract lung cancer.”

Those statistics are questionable to the point of being ludicrous, largely because we keep discovering new ways that smoking is deadly. Those statistics would still be worrisome, however. About 40 million people smoke in the US, according to the Centers for Disease Control and Prevention. One out of every three current smokers dying from a smoking-related illness would therefore translate to about 13.3 million people dead. One out of 10 smokers developing lung cancer means 4 million sick people.

Here are the facts

Pence added the caveat “news flash: smoking is not good for you,” which further raises the question of why he felt the need to write a piece in the first place downplaying tobacco’s dangers.

To be clear: The year 2000 was a while ago, but it also came 36 years after Surgeon General Luther Terry published his 1964 reports on the link between smoking and cancer.

Pence was selected to be a stable, mainstream running mate to Donald Trump, and to settle the nerves of the Republican Party — apparently despite Trump’s expressed wishes. Now he’s just one of the many reasons people who care about science and health are terrified of Trump’s impending presidency.

NOW WATCH: A dermatologist explains what causes acne and how you can prevent it

]]> Sun, 20 Nov 2016 13:00:00 -0500 Fri, 18 Nov 2016 17:38:52 -0500 http://www.businessinsider.com/mike-pence-smoking-doesnt-kill-2016-11 http://www.businessinsider.com/mike-pence-smoking-doesnt-kill-2016-11 [email protected] (Rafi Letzter) Rafi Letzter Donald Trump electoral collegeReuters

How to distill the market reaction to the Republican sweep? Maybe this: investors expect huge infrastructure spending, less regulation and much lower tax rates to mean big fiscal stimulus. It registered in a rally for equities and a sell-off in the bond markets, especially municipals, where tax rates matter—a lot.

So, do municipals still offer fair value? To answer that question, investors must consider two things: the potential effect of changes in tax rates and economic growth.

First, taxes. On Election Day, investors subject to the top federal tax could earn an extra 66 basis points after taxes by buying a 10-year AAA-rated municipal bond instead of a comparable Treasury bond.

After Trump won, 10-year municipal yields rose by 48 basis points and Treasury yields by 38 basis points. Suddenly, municipals were offering nearly 100 basis points more than Treasuries—provided, of course, that tax rates stay the same.

The Republican sweep makes that unlikely. During his campaign Donald Trump proposed a reduction of the top tax rate to 33%. But think twice before selling those municipal bonds. Sure, if Trump gets his tax cut through Congress, municipals’ after-tax yield advantage over Treasuries would drop—but only to 69 basis points, nearly where it was on the eve of the election.

In other words, the municipal market appears to have already priced in a significant cut in federal tax rates. This suggests that, for now, at least, municipals are a hold. And remember, it remains to be seen what tax and spending plans Congress will actually pass.

In bond portfolios, time heals

When it comes to economic growth, it’s important to look at the municipal market historically and how it’s dealt with volatility and down periods. There is, after all, a reason that bonds are generally considered safe havens.

Since 1988, intermediate high-grade municipals (as represented by the Bloomberg 1-10 Year Municipal Bond Index) have posted negative monthly returns 30% of the time. Month to date, municipals have returned –1.8%, putting this period on par with some of the more difficult periods the market has experienced. But not the worst.

Even so, over 12-month rolling periods, the frequency of a negative return has been just 4%. And even more amazingly, the municipal market has never experienced a negative return over a rolling 24-month period (Display).

Davidson_After Trump Win_d1Reuters

What’s the takeaway here? Don’t get caught up in the month-to-month volatility of bond returns. Whether economic growth accelerates more or less than expected, or whether tax rates fall more or less than expected, one thing is pretty certain in the bond investors’ world: the yield and “roll”—the tendency of a bond’s value to rise as it approaches maturity—of bond portfolios combine to produce positive returns over time.

Checking in on your muni portfolio

LOOK FOR A BUYING OPPORTUNITY. It’s difficult to call a bottom, but Treasury yields have risen 38 basis points in one week. By comparison, the 10-year German yield has jumped 12 basis points. It’s hard to imagine a significant further increase without concrete policy proposals and/or a similar rise in international bond yields.

CONSIDER ADDING INFLATION PROTECTION. Inflation expectations are currently near Fed targets, but stronger-than-expected economic growth could lead to more price pressure. And, if inflation expectations rise, inflation-protected municipal bonds could outperform.

DIVERSIFY FOR FLEXIBILITY. Flexibility to use taxable bonds opportunistically can be critical to helping preserve capital during periods of heightened uncertainty and volatility. Small positions in Treasuries can help buffer municipal portfolios during this period of tax-related uncertainty.

LIMIT THE MATURITY OF YOUR MUNICIPAL HOLDINGS. Longer-maturity bonds have more exposure to a decline in the value of their tax exemption than do short- or intermediate-maturity bonds.

So what’s the upshot of it all? Simply this: don’t make big, sweeping decisions about your portfolio based on short-term volatility and price movements. Investors will likely endure more market unrest as the new administration fine-tunes its policies. But those who stay flexible and pay attention to detail stand a good chance of coming out ahead in the long run.

NOW WATCH: A mysterious cloud moving 700,000 mph is going to collide with our galaxy — here’s what will happen

]]> Sun, 20 Nov 2016 13:00:00 -0500 Fri, 18 Nov 2016 15:24:49 -0500 http://www.businessinsider.com/trump-and-municipal-bond-market-2016-11 http://www.businessinsider.com/trump-and-municipal-bond-market-2016-11?utm_source=feedburner&amp;utm_medium=referral

A new invention could replace the rusty car boot with a more effective solution. The Barnacle is a new concept that uses industrial-strength suction cups to adhere itself to illegally parked cars, and won’t let go until the fee is paid online. It is being tested in Ft. Lauderdale, FL, and Allentown, PA.

Follow Tech Insider: On Facebook

]]> Sun, 20 Nov 2016 13:00:00 -0500 Fri, 18 Nov 2016 18:06:02 -0500 http://www.businessinsider.com/car-barnacle-boot-replacement-suction-cups-windshield-2016-10 http://www.businessinsider.com/car-barnacle-boot-replacement-suction-cups-windshield-2016-10 [email protected] (Rob Ludacer) Rob Ludacer Tony RomoOn Tuesday, Tony Romo gave an emotional speech about his current status with the Dallas Cowboys. Now he appears to be planning for the future and if he has his way, it could be with the Denver Broncos, but only if he decides to keep playing.

According to Ian Rapoport of the NFL Network, Romo first choice for a potential destination next season is the Broncos.

Romo, I’m told, already has eyes on the Broncos as a possible destination if general manager John Elway decides Paxton Lynch needs another year and that Trevor Siemian isn’t the guy,” Rapoport wrote.

Now that Dak Prescott seems to have secured the job as Cowboys starting quarterback, there has been speculation about a number of teams trading for Romo this offseason. Rapoport also names the Bears, Jets, Cardinals, and Bills as potential landing spots, depending on “a variety of factors.”

One issue that works in Romo’s favor is his contract. He still has three years and $ 54 million left on his contract. Romo is also scheduled to take up $ 24-25 million of space against the salary cap in each of those seasons.

Any team that trades for Romo will almost certainly want to renegotiate the contract which effectively gives Romo the ability to veto any trade by simply rejecting any overture to re-do his contract.

All of this becomes moot if Romo decides instead to retire. According to Rapoport, retirement is still a possibility.

I’m told [retirement] actually is a consideration,” Rapoport wrote. “Romo could retire a member of the Cowboys this year, it’s one of the options depending on how the year plays out and how his body feels going forward. Romo does feel he’s in better shape now than he’s been in a while.”

Rapoport also notes that Romo’s close friend, tight end Jason Witten, doesn’t think Romo will retire. If Romo does retire, he is expected to stay within the Cowboys’ organization in some capacity.

NOW WATCH: It’s been so long since the Cubs won the World Series that modern zippers hadn’t even been invented

]]> Sun, 20 Nov 2016 12:46:19 -0500 Sun, 20 Nov 2016 12:48:54 -0500 http://www.businessinsider.com/tony-romo-dallas-cowboys-denver-broncos-rumor-2016-11 http://www.businessinsider.com/tony-romo-dallas-cowboys-denver-broncos-rumor-2016-11?utm_source=feedburner&amp;utm_medium=referral [email protected] (Cork Gaines) Cork Gaines .

NOW WATCH: How to pick the perfect watch for the office and the weekend

]]> Sun, 20 Nov 2016 12:46:00 -0500 Fri, 18 Nov 2016 17:08:46 -0500 http://www.businessinsider.com/why-nike-under-armour-and-adidas-are-selling-dad-shoes-2016-11 http://www.businessinsider.com/why-nike-under-armour-and-adidas-are-selling-dad-shoes-2016-11 [email protected] (Business Insider) Business Insider andrew cuomoAP

New York Governor Andrew Cuomo sent an email to students at the City University of New York on Sunday, writing that “This is the State of New York, not a state of fear. We will not tolerate hate or racism.”

Cuomo referenced the “harsh and ugly rhetoric of the [presidential] campaign” before inviting New Yorkers who experience discrimination or hate crimes to report them.

“New Yorkers who have experienced bias or discrimination should call the toll-free hotline at (888) 392-3644 from 9 a.m. to 5 p.m. Monday – Friday,” Cuomo wrote, also saying that “[o]ur responsibility is to protect all who are here, whether native-born or immigrant, whether documented or not. The hotline strengthens our efforts. Contacting us will not affect your immigration status.”

Throughout the e-mail, Gov. Cuomo referenced New York’s diversity. “We cherish our diversity … Whether you are gay or straight, Muslim or Christian or Jewish or Buddhist, rich or poor, black or white or Latino or Asian, man or woman, cisgender or transgender, we respect all people in the State of New York,” he wrote. 

He continued, writing that the state of New York has “strict laws” against hate crimes and discrimination against others, and concluded by saying that “You are welcome here.” New York has seen a 31% uptick in hate crimes since last year, according to the NYPD.

Here is the full text:

November 20, 2016

A Message from Governor Andrew M. Cuomo

Dear Students:

After the harsh and ugly rhetoric of the campaign, many of you are concerned about what might happen next.

Let me be clear: This is the State of New York, not a state of fear. We will not tolerate hate or racism.

We have been and always will be a place where people of many backgrounds have come to seek freedom and opportunity. Almost all who live here can trace their roots to someplace else.

We cherish our diversity. We find strength in our differences. Whether you are gay or straight, Muslim or Christian or Jewish or Buddhist, rich or poor, black or white or Latino or Asian, man or woman, cisgender or transgender, we respect all people in the State of New York.

The Statue of Liberty is a proud symbol of American values, and she stands in our harbor. We feel a special responsibility to make her offer of refuge and hope a reality every day.

As long as you are here, you are New Yorkers. You are members of our community, and we will stand up for you.

The State of New York has strict laws against hate crimes and discrimination and we fully and firmly enforce them. It is illegal in this state to target, harass or discriminate against a person because of his or her race, color, national origin, ancestry, gender, religion, religious practice, age, disability or sexual orientation. We are a tolerant people, and cannot and will not let our freedoms be undermined.

New York State has a toll-free hotline where people can report incidents of bias and discrimination. Our responsibility is to protect all who are here, whether native-born or immigrant, whether documented or not. The hotline strengthens our efforts. Contacting us will not affect your immigration status.

New Yorkers who have experienced bias or discrimination should call the toll-free hotline at (888) 392-3644 from 9 a.m. to 5 p.m. Monday – Friday.

If you want to report a crime or fear for your safety, call 911 immediately.

New Yorkers feel a particular affection for young immigrants. For centuries, our state has thrived on the energy and ambition of the young people seeking to build their lives here. Your intelligence, your creativity, your idealism enriches us all. You are welcome here.

Sincerely,

Governor Andrew M. Cuomo

NOW WATCH: A model that has correctly predicted the presidential election since 1980 says Clinton will have a landslide victory

]]> Sun, 20 Nov 2016 12:40:16 -0500 Sun, 20 Nov 2016 12:40:21 -0500 http://www.businessinsider.com/andrew-cuomo-cuny-trump-election-we-will-not-tolerate-hate-or-racism-2016-11 http://www.businessinsider.com/andrew-cuomo-cuny-trump-election-we-will-not-tolerate-hate-or-racism-2016-11?utm_source=feedburner&amp;utm_medium=referral [email protected] (Sonam Sheth) Sonam Sheth

Many of us take our phones with us wherever we go, including the bathroom. We were curious how this affected the phones, and if there could be any bacteria, pathogens, or anything else on them.

We sampled 19 phones for bacteria and brought them to Dr. Susan Whittier — Associate Professor of Clinical Pathology and Cell Biology at Columbia University. Here are the results.

Disclaimer: Our results are from a small, selective sample and do not necessarily apply to the general population.

Follow Tech Insider: On Facebook

]]> Sun, 20 Nov 2016 12:30:00 -0500 Fri, 18 Nov 2016 18:04:29 -0500 http://www.businessinsider.com/phone-test-bacteria-germs-diseases-bathroom-columbia-results-dirty2016-11 http://www.businessinsider.com/phone-test-bacteria-germs-diseases-bathroom-columbia-results-dirty2016-11 [email protected] (Corey Protin) Corey Protin 4 indian infantry gas masks ww1 colourOpen University

One month after a Bosnian-Serb assassinated Austrian Archduke Franz Ferdinand and his wife, Sophie, Duchess of Hohenberg, on a street corner in Sarajevo, the Austro-Hungarian Empire declared war on Serbia, effectively beginning World War I.

Ferdinand’s murder sent the Great Powers into a war that would last five years and cost the lives of 10 million troops.

Thought of as the “war to end all wars,” World War I marked a number of firsts in military conflict, including the use of planes, tanks, and chemical weapons. 

On June 28, 1919, the victorious Allied leaders signed the Treaty of Versailles, officially ending World War I and spurring German nationalism, which in turn gave Nazi leader Adolf Hitler a political platform.

Here’s a few colorized photographs published by The Open University showing life during World War I.

Trench warfare was one of the hallmarks of World War I.

Open University

Soldiers could spend the majority of their deployments in the trenches. Here, a soldier receives a haircut from a barber on the Albanian front.

Open University

Here, a German Field Artillery crew poses with its gun at the start of the war in 1914.

Open University

See the rest of the story at Business Insider]]> Sun, 20 Nov 2016 12:30:00 -0500 Fri, 18 Nov 2016 14:20:27 -0500 http://www.businessinsider.com/world-war-i-color-photos-to-life-2016-11 http://www.businessinsider.com/world-war-i-color-photos-to-life-2016-11?utm_source=feedburner&amp;utm_medium=referral [email protected] (Amanda Macias) Amanda Macias 9 facts about divorce 01Yu Han/Business Insider

In the US, the divorce rate has been steadily declining since the 1980s.

Research reported in The New York Times suggests that about one-third of current marriages will end in divorce — not the 50% statistic you’ve likely heard time and time again.

Unfortunately, that means there’s still a decent chance you and your partner will split up, even after pledging lifelong devotion to each other. That idea leaves room for a lot of questions:

What makes a divorce more likely? What will happen to our kids if we do split up? What will happen to my health?

To help address some of these queries, Business Insider dug into years of research on the predictors and consequences of marital dissolution and highlighted the most intriguing findings below.

Keep in mind that all these studies offer general takeaways about modern relationships — no one can predict with 100% accuracy what will happen to yours.

Yu Han/Business Insider

You are less likely to divorce if you marry in your late 20s

Research led by Nicholas Wolfinger, a professor at the University of Utah, found that contrary to a long-held belief, waiting longer to wed doesn’t necessarily predict a stronger marriage.

Instead, the best time to marry seems to be between the early 20s and early 30s. If you wait until you’re older than 32, your chances of divorce start to creep up (though they’re still not as high as if you get married in your teens).

As Wolfinger writes on the Institute for Family Studies blog, “For almost everyone, the late twenties seems to be the best time to tie the knot.”

Yu Han/Dragan Radovanovic/Business Insider

You are most likely to divorce in March and August

2016 research presented at the American Sociological Association found that March and August bring spikes in divorce filings.

The researchers say it’s meaningful that March and August follow holiday or vacation periods. In the paper, they suggest that holidays represent something like “optimism cycles” — we see them as a chance to start anew in our relationships, only to find that the same problems exist once they’re over.

The researchers also suspect that oftentimes our holiday experiences can be stressful and disappointing, laying bare the real issues in our marriage. As soon as they’re over, we’re ready to call it quits.

Yu Han/Business Insider

Husbands who work less may be more likely to divorce

A recent Harvard study couples suggests that it’s not a couple’s finances that affect their chances of divorce, but rather the division of labor.

When the researcher looked at heterosexual marriages that began after 1975, she learned that couples in which the husband didn’t have a full-time job had a 3.3% chance of divorcing the following year, compared to 2.5% among couples in which the husband did have a full-time job.

Wives’ employment status, however, didn’t much affect the couple’s chances of divorce.

The researcher concludes that the male breadwinner stereotype is still very much alive, and important for marital stability.

See the rest of the story at Business Insider]]> Sun, 20 Nov 2016 12:20:00 -0500 Fri, 18 Nov 2016 11:06:54 -0500 http://www.businessinsider.com/9-facts-about-divorce-every-couple-should-know-before-getting-married-2016-11 http://www.businessinsider.com/9-facts-about-divorce-every-couple-should-know-before-getting-married-2016-11 [email protected] (Business Insider) You are less likely to divorce if you marry in your late 20s

Research led by Nicholas Wolfinger, a professor at the University of Utah, found that contrary to a long-held belief, waiting longer to wed doesn’t necessarily predict a stronger marriage.

Instead, the best time to marry seems to be between the early 20s and early 30s. If you wait until you’re older than 32, your chances of divorce start to creep up (though they’re still not as high as if you get married in your teens).

As Wolfinger writes on the Institute for Family Studies blog, “For almost everyone, the late twenties seems to be the best time to tie the knot.”

]]> You are most likely to divorce in March and August

2016 research presented at the American Sociological Association found that March and August bring spikes in divorce filings.

The researchers say it’s meaningful that March and August follow holiday or vacation periods. In the paper, they suggest that holidays represent something like “optimism cycles” — we see them as a chance to start anew in our relationships, only to find that the same problems exist once they’re over.

The researchers also suspect that oftentimes our holiday experiences can be stressful and disappointing, laying bare the real issues in our marriage. As soon as they’re over, we’re ready to call it quits.

]]> Husbands who work less may be more likely to divorce

A recent Harvard study couples suggests that it’s not a couple’s finances that affect their chances of divorce, but rather the division of labor.

When the researcher looked at heterosexual marriages that began after 1975, she learned that couples in which the husband didn’t have a full-time job had a 3.3% chance of divorcing the following year, compared to 2.5% among couples in which the husband did have a full-time job.

Wives’ employment status, however, didn’t much affect the couple’s chances of divorce.

The researcher concludes that the male breadwinner stereotype is still very much alive, and important for marital stability.

]]>

It is a myth that women who have had more sexual partners are more likely to divorce

Wolfinger conducted another analysis that found, among heterosexual couples who married in the 2000s, women who had between three and nine sexual partners were in fact less likely to divorce than women who’d had two partners (a.k.a their husband and one other person).

Women who had at least 10 partners were most likely to divorce.

Meanwhile, among heterosexual couples who married in the 1980s and 1990s, women who had two or three sexual partners were more likely to get divorced than were virgins or women who had at least 10 sexual partners.

In a statement, Wolfinger distilled the lessons from this research: “If you’re going to have comparisons to your [future] husband, it’s best to have more than one.”

]]> Couples closer in age are less likely to divorce

One study found that the odds of divorce among heterosexual couples increase with the age gap between the spouses.

As Megan Garber reported at The Atlantic:

“A one-year discrepancy in a couple’s ages, the study found, makes them 3 percent more likely to divorce (when compared to their same-aged counterparts); a 5-year difference, however, makes them 18 percent more likely to split up. And a 10-year difference makes them 39 percent more likely.”

]]> Lavish weddings may predict less successful marriages

The same study mentioned above found that spending a lot on your wedding doesn’t necessarily bode well for the marriage itself.

According to the researchers:

“As compared with spending between $ 5,000 and $ 10,000 on the wedding, spending less than $ 1,000 is associated with half the hazard of divorce in the sample of men, and spending $ 20,000 or more is associated with 1.6 times the hazard of divorce in the sample of women.”

At the same time, the study found that having a lot of guests at your wedding predicts lower odds of divorce. Couples with 200 or more invitees are 92% less likely to divorce than couples who don’t invite anyone, The Atlantic reported.

]]> Divorce may contribute to heart problems in women

Recent research suggests that women who get divorced are more likely to suffer a heart attack than women who stay married.

As Time’s Alice Park reported:

“Women who divorced at least once were 24% more likely to experience a heart attack compared to women who remained married, and those divorcing two or more times saw their risk jump to 77%.”

For men, however, the chances of suffering a heart attack only went up if they divorced two or more times.

]]> Divorce itself might not have a negative impact on kids

Instead, as Rebecca Harrington reported at Tech Insider, it seems to be conflict between parents that takes a toll on their children.

In fact, in one recent study, children whose parents fought a lot and then divorced were less likely to get divorced as adults than children whose parents fought a lot and didn’t get divorced. The researchers say that’s possibly because the divorce put a kind of end to the ongoing family conflict.

]]> Couples who display contempt are more likely to divorce

Business Insider’s Erin Brodwin reported on relationship expert John Gottman’s research, which suggests that contempt — a mix of anger and disgust that involves seeing your partner as beneath you — is a key predictor of divorce.

It’s not simply getting into a fight; it’s how you respond to your partner afterward: Do you try to see things from their perspective or just assume they’re an idiot? If it’s the latter, try replacing the behavior with a more positive, patient reaction. It could save your marriage.

]]> Business Insider BI Graphics Project disrupt banner post size.

walmart black fridayREUTERS/Jonathan Alcorn

Retailers spend all year gearing up for this moment: the launch of the all-important holiday shopping season.

The months of November and December are the most critical time of the year in retail, accounting for as much as 30% of annual sales for many retailers, according to the National Retail Federation.

Shoppers are expected to spend $ 655.8 billion in the two-month period this year, an 3.6% increase over last year’s spending, according to the NRF.

Online sales are forecast to grow between 7% and 10% over last year to as much as $ 117 billion.

That means a website glitch — even if it lasts only a couple minutes — or running out of stock on a popular item can cost companies millions of dollars in lost sales.

For that reason, retailers work hard all year long to get the holidays right.

For Walmart, Target, and Amazon, that has meant overhauling websites and shopping apps, speeding up shipping, and using predictive analytics to try and determine the right amount of product to stock up on for the busy holiday season.

Target last year broke a record in online sales on Thanksgiving, so it has been focused over the last year on ensuring that its website works seamlessly during the high-traffic holiday period.

Target Black FridayREUTERS/Jonathan AlcornThe company says it has made “dramatic” changes to Target.com to speed up the checkout process and to make it function more fluidly across desktop computers, tablets, and smart phones.

It also widened its toy selection by 15% over last year, since the holiday season accounts for 50% of Target’s toy sales.

“We’ve made back-end platform changes that are designed to enhance day-to-day functionality — from account management to checkout — and build more capacity and flexibility as we head into the holiday season,” Target spokesman Eddie Baeb said.

The company has also made significant changes to speed up shipping for online orders.

Specifically, Target doubled the number of stores that are able to ship orders, bringing the total number of shipping-enabled stores to 1,000 out of Target’s 1,800 locations nationwide.

With this change, Target’s stores are now expected to fulfill more than half of the retailer’s holiday orders, executives said.

black friday shopping target tvsREUTERS/Jonathan AlcornThis not only cuts down on shipping times for customers, but it also reduces costs for Target because the packages don’t have to travel as far.

“With this increase, Target will be able to fulfill more orders, spread workload and improve average ship times during the holidays,” Baeb said.

Walmart meanwhile has been heavily focused on expanding the breadth of products it offers online.

The company has more than doubled its online assortment to 20 million products since last year, and “millions of additional items are scheduled to be added in the coming months,” the company said.

To prevent customers from getting overwhelmed by all the new products, Walmart made improvements to its “recommendation engine,” which so far has led to a 20% increase in customer engagement with items the website recommends. 

It has also built a new software called Electrode that helps its web pages load 33% faster, according to Walmart.

WalmartREUTERS/Jonathan AlcornBut Walmart doesn’t just want its website to be fast: it needs to prevent crashes, as well. The company says it expects about 10 times its normal traffic rates on Walmart.com from Thanksgiving to Cyber Monday.

So the retailer built software called OneOps that makes it possible to handle peak traffic on Walmart.com across several clouds — versus a single cloud — to avoid downtime on the site.

To make sure it works properly, Walmart has been stress-testing the website in the last several weeks by hitting it with traffic that well exceeds expectations during the holidays.

Walmart is also trying to cut down on shipping times this year after doubling its number of online fulfillment centers — which are responsible for packing and shipping online orders — from five warehouses last year to 10 this year. 

Customers can also choose to pick up online orders in stores. Last year, the company received up to five times as many same-day pickup orders during the holiday period compared to a normal week.

So Walmart is staffing up its store teams responsible for helping customers with online pickup, and for the first time, adding dedicated “pickup” managers to every store.

Amazon has also been adding to its staff to handle holiday demand. The retailer this year hired 120,000 temporary workers for the holidays, up 20% from the 100,000 workers it hired during the period last year.

Amazon’s holiday preparation this year has also been focused on improving its mobile app to make shopping and in-store price comparisons easier. 

Amazon warehouseREUTERS/Jonathan AlcornFor example, the company expanded the assortment of barcodes that shoppers can scan to compare prices in stores to those on Amazon.

The app is also offering a tool again this year called “watch a deal” that alerts shoppers to specific holiday deals whenever they become available.

According to the company, seven in 10 Amazon customers shopped using a mobile device last holiday season.

As Target, Walmart, Amazon, and others prepare for the rush holiday orders, delivery companies are readying for an influx in packages.

The United States Postal Service is expected to deliver 750 million packages this holiday season, or 5 million packages per day – a 12% increase from the 670 million delivered during the period last year.

The United Parcel Service will ship another 700 million packages over the same period, which is a 16% increase from the previous year.

]]> Sun, 20 Nov 2016 12:08:00 -0500 Fri, 18 Nov 2016 16:08:51 -0500 http://www.businessinsider.com/how-retailers-are-preparing-for-black-friday-2016-11 http://www.businessinsider.com/how-retailers-are-preparing-for-black-friday-2016-11 [email protected] (Hayley Peterson) Hayley Peterson Brad PittEmmanuel Wong/Getty Images

Everyone’s got to get their start somewhere.

Sometimes that means taking a strange or terrible job before moving on to something bigger and better. 

Here are 28 of the weirdest jobs that famous people had before making it big.

President Obama scooped ice cream

REUTERS/Mandel Ngan/Pool

That’s right. The current president of the United States worked at Baskin-Robbins in high school, as Business Insider previously reported.

He wrote about the experience on LinkedIn: “Scooping ice cream is tougher than it looks. Rows and rows of rock-hard ice cream can be brutal on the wrists.”

Mariah Carey was a hat checker

Slaven Vlasic / Getty Images

Like many other rising celebs, Carey worked many jobs. At one point, she worked as a hat checker. According to IMBD, Carey stated that she “got fired from all her jobs because of her attitude and was concentrating on becoming a [backup] singer and mixing demos.”

The Pope was a bouncer

Thomson Reuters

Can you imagine getting tossed out of a bar by the Pope?

Pope Francis — who was born Jorge Mario Bergoglio — worked several odd jobs before joining the Society of Jesus. These included testing chemicals at a lab and working as a bouncer at a bar, according to the Fiscal Times.

See the rest of the story at Business Insider]]> Sun, 20 Nov 2016 12:04:00 -0500 Fri, 18 Nov 2016 16:44:31 -0500 http://www.businessinsider.com/weird-jobs-famous-people-had-before-making-it-big-2016-11 http://www.businessinsider.com/weird-jobs-famous-people-had-before-making-it-big-2016-11 [email protected] (Business Insider) That’s right. The current president of the United States worked at Baskin-Robbins in high school, as Business Insider previously reported.

He wrote about the experience on LinkedIn: “Scooping ice cream is tougher than it looks. Rows and rows of rock-hard ice cream can be brutal on the wrists.”

]]> Like many other rising celebs, Carey worked many jobs. At one point, she worked as a hat checker. According to IMBD, Carey stated that she “got fired from all her jobs because of her attitude and was concentrating on becoming a [backup] singer and mixing demos.”]]> Can you imagine getting tossed out of a bar by the Pope?

Pope Francis — who was born Jorge Mario Bergoglio — worked several odd jobs before joining the Society of Jesus. These included testing chemicals at a lab and working as a bouncer at a bar, according to the Fiscal Times.

]]> Butler’s gig as a trainee civil lawyer came to a halt when he was fired a week before he was due to qualify, according to the Independent. ]]> Yeezus used to work at the GAP?

According to Life Buzz, the rapper actually alludes to his old job in “The College Dropout”: “Let’s go back, back to the GAP. Look at my check. wasn’t no scratch. So if I stole, wasn’t my fault. Yeah I stole, never got caught.”

]]> Hamm’s early off-screen job wasn’t as glamorous as the 1960s “Mad Men” days. Hamm, who stresses that the porn he designed sets for was strictly soft-core, said it was an easy way to earn a few hundred a day, according to AZ Central. ]]> By her own words, McAdams wasn’t a very good employee at the fast food giant. According to US Magazine, the “Spotlight” star once broke an orange juice machine. ]]> “The Internship” actor used to mind the pool at the YMCA.

At one point, he pulled in an older patron who was drifting too far into the deep end. 

“I went home, I told my dad that story and he said, ‘You didn’t save anybody! That’s ridiculous. You moved a senior a couple of feet. You didn’t save anybody at all,'” he told KABC Television.

]]> Would you’ve bought insurance from this debonair star? 

According to the Evening Standard, Clooney didn’t like the work: “I had a lot of rotten jobs. I sold insurance door-to-door, but it didn’t work out well. The first day I sold one (policy) and the guy died.”

]]> Before Stewart charmed audiences with classics like “Da Ya Think I’m Sexy?” and “Maggie May,” he worked as a gravedigger at Highgate Cemetery in London during his teens.

According to “Rod Stewart: The New Biography,” he hoped working at the cemetery would rationalize his fear of dying: “He had suffered from nightmares about death from a very early age and so thought, as an impressionable teenager, that perhaps getting as close as he could to death, actually digging out holes to be filled by real bodies, he could rid himself of that fear.”

]]> The “James Bond” star worked a series of odd jobs before making it as an actor, including life-guarding and working as a milkman. His weirdest — and creepiest — gig was cleaning coffins, according to Hex Jam. ]]> At the age of fifteen, Walken joined a traveling circus and was briefly a lion tamer (because, of course he did). He’s modest about his lion-taming days; he claims Sheba, the lion, was very old and “really more like a dog”, according to Gothamist. ]]> We’re not sure who had it worse: Walken, who tamed a lazy lion, or Stallone, who cleaned up after them. While waiting for his acting career to take off, the Rambo actor cleaned up lion cages at the Central Park Zoo, according to Biography.com.]]> The 56-year old comedian and actress took a job as a mortuary beautician after she became a licensed beautician. Her boss played a welcoming prank on her by pretending to be dead and sitting upright to wave at her. “That’s the worst thing that could ever happen to you here, and it won’t,” he told her. “So there’s nothing to be scared of.”

During a segment of “The View” she also mentioned briefly working as a phone sex operator. “When I was younger, the money was great,” she said. “See now, people would know my voice.”

]]> Bloom landed his first gig at age 13, working as a clay trapper at a pigeon shooting range. Clay trappers load and aim clay discs used as targets for shooters. ]]> This one’s hard to believe and slightly terrifying. Posh Spice used to dress up as a sperm for a BBC sex-education program, according to Star Crush.  ]]> To say that Beatty got his start in theater is putting it lightly. According to the biography “Warren Beatty: A Private Man“, when the actor was 17, he got his first job at the National Theatre in Washington — patrolling alleys at night to check for rodents.]]> “Wolverine” star Hugh Jackman’s come a long way from working as a party clown, according to the Daily Mail.

“I just love making a fool out of myself,” he said. “I made my living as a clown at kids’ parties for about three years. I was Coco the Clown and I had no magic tricks and I remember a six-year-old standing up at a party saying ‘Mummy this clown is terrible, he doesn’t know any tricks’ — and he was right.”

]]> One of Dempsey’s first jobs was juggling for money. When he was 15, the former Grey’s Anatomy star competed in the International Jugglers’ Association and came in second, according to the association’s website. He was beat out by then eight-year-old Anthony Gatto, who went on to set numerous records and perform in Cirque du Soleil. 

Here’s a video of him dancing and juggling at 18 years old in a music video. Dempsey also showed off his juggling talents on ABC and Rachel Ray.

]]> Long before joining the Rolling Stones, this rocker carried around luggage at the Bexley Mental Hospital while he was a student at the London School of Economics, according to Bill Wyman, Stone Alone: The Story of a Rock ‘n’ Roll Band”. He earned about 90 shillings per week (equivalent to almost 7 U.S dollars — worth roughly $ 52 in 1961).]]> While McConaughey was living in Australia as a Rotary exchange student, he earned money by cleaning chicken coops, according to Inside Hollywood. On the side, he washed dishes as well. Still, he doesn’t regret his odd-end jobs while traveling. “Those types of trips are really ones that leave a lasting impression,” he says, according to The Richest.]]> Before making it big time, the “Material Girl” worked at Dunkin’ Donuts in Times Square. It didn’t work out though. Madonna reportedly got booted when she squirted jelly filling on a customer, reports Life Buzz. ]]> Angelina Jolie’s husband may be a movie star, but once upon a time, he was nothing more than a chicken. His first employer was El Pollo Loco (Crazy Chicken) and, according to IMBD, he had to dress as a chicken, hand out flyers, and attract customers to the restaurant.]]> The outspoken talk show host has had her share of menial jobs, according to TV.com, including house painter, vacuum salesperson, bartender, waitress, and sales clerk. Most notably, she held the position of oyster shucker. Oyster shucking involves opening the shell of the oyster with a knife.

In “Ellen: A Biography,” DeGeneres is quoted as saying, “When you live in New Orleans, you’re bound to be an oyster shucker, aren’t ya?”

]]> According to the New York Times, “after graduating from the College of William and Mary in 1984 with a degree in psychology, he returned to New Jersey where he worked for the state, performing puppet shows designed to sensitize schoolchildren to the disabled.” ]]> The actress/model used to wear a banana costume to attract customers to a smoothie shop in Florida.

On the Ellen DeGeneres show, she admitted that it was the only real job she had. As a joke, DeGeneres had a man dressed as a banana sneak up from behind and scare her.

]]> Before he made it big in Hollywood, the “Pirates of the Caribbean” star hawked pens over the phone.

According to Interview magazine, Depp’s role involved calling up strangers and telling them that they were eligible for a complimentary grandfather clock or a trip to Tahiti if they ordered a shipment of pens.

”I sold one thing, one gross of pens to one guy,” Depp told Interview. “And then he was asking me about the trip to Tahiti and I was riddled with guilt, so I told him, ‘Hey, man, you don’t want these (expletive) pens. This is a scam. The grandfather clock is made of press board. You’re not going to Tahiti. I’m sorry.’ So I talked him out of it.”

]]> Today, Dame Helen Mirren is known for her award-winning performances on the stage and on the silver screen. However, before her star took off, she had a considerably less glamorous stint in show business.

According to the Mirror, Mirren worked at the Kursaal amusement park as a “blagger,” an employee who encourages customers to go on the rides.

Samantha Cortez contributed to a previous version of this story.

]]> Business Insider tktktk

NOW WATCH: Here’s how much $ 100 is worth in every state

]]> Sun, 20 Nov 2016 12:03:00 -0500 Fri, 18 Nov 2016 15:04:18 -0500 http://www.businessinsider.com/what-happens-to-valeant-after-the-philidor-arrests-2016-11 http://www.businessinsider.com/what-happens-to-valeant-after-the-philidor-arrests-2016-11 [email protected] (Business Insider) Business Insider NBC News came under fire Sunday morning for a pair of tweets that removed context from an answer Reince Priebus, President-elect Donald Trump’s pick for White House chief of staff, offered on the idea of a Muslim registry.

Priebus appeared “Meet the Press” and was asked by host Chuck Todd if he could rule out the idea of placing Muslims on a registry.

Here was the exchange:

TODD: Can you equivocally rule out a registry for Muslims?

PRIEBUS: Look, I’m not going to rule out anything. But, we are not going to have a registry based on religion.

The public relations account for NBC News tweeted out the exchange twice, but left out the second part of Priebus’ response:

“I’m not going to rule out anything…” says @Reince on @MeetThePress #MTP

The tweets quickly faced criticism.

“This quote is in fact opposite of what PR tweet indicates,” tweeted Maggie Haberman, a political correspondent for The New York Times.

Charlie Warzel, a senior technology writer for BuzzFeed, called it an “irresponsible half-quote w/o even a link for context.”

Others flooded the NBC News account with messages calling the tweets “misleading” and “dishonest.”

A representative for NBC News declined to say whether the media organization would issue a retraction, but the Twitter account dug its heels in the sand in a reply to Haberman.

Trump has often criticized the media, alleging that it has not fairly covered his campaign or, more recently, his transition.

NOW WATCH: ‘HOLD UP!’: Watch Obama defend a Trump protester and scold the crowd at a Clinton rally

]]> Sun, 20 Nov 2016 12:01:28 -0500 Sun, 20 Nov 2016 12:35:31 -0500 http://www.businessinsider.com/nbc-criticism-trump-tweet-muslim-registry-reince-2016-11 http://www.businessinsider.com/nbc-criticism-trump-tweet-muslim-registry-reince-2016-11?utm_source=feedburner&amp;utm_medium=referral [email protected] (Oliver Darcy) Oliver Darcy

Dr. Alan Hedge is a professor in the Department of Design and Environmental Analysis at Cornell University. He is also a certified professional ergonomist. Dr. Alan Hedge explains how to buy the best mattress for a good night sleep.

Follow Tech Insider:  On Facebook

]]> Sun, 20 Nov 2016 12:00:00 -0500 Fri, 18 Nov 2016 18:05:33 -0500 http://www.businessinsider.com/ergonomics-expert-explains-how-to-buy-best-mattress-sleep-2016-10 http://www.businessinsider.com/ergonomics-expert-explains-how-to-buy-best-mattress-sleep-2016-10 [email protected] (Gene Kim) Gene Kim vivek murthy surgeon general nomineeAP Photo / Charles Dharapak

Nearly 21 million Americans were directly affected by drug or alcohol addiction last year — roughly the same number of Americans who have diabetes — according to a new report from US Surgeon General Vivek Murthy on addiction.

But just one in every 10 of those people got treatment.

“We would never tolerate a situation where only one in 10 people with cancer or diabetes gets treatment, and yet we do that with substance-abuse disorders,” Murthy told The Washington Post.

Also in 2015, according to the new report, more than 27 million people reported misusing legal prescription drugs or using illegal ones. More than 66 million people said they had engaged in binge drinking sometime in the previous month.

The answer to the problem is complex, Murthy says, and should include things like increased screenings for addiction in doctor’s offices. But, he argues, it’s also time to change our perception of people who’ve struggled with addiction.

“We also need a cultural shift in how we think about addiction. For far too long, too many in our country have viewed addiction as a moral failing. This unfortunate stigma has created an added burden of shame that has made people with substance use disorders less likely to come forward and seek help,” Murthy wrote in the report.

“We must help everyone see that addiction is not a character flaw — it is a chronic illness that we must approach with the same skill and compassion with which we approach heart disease, diabetes, and cancer.”

Murthy’s view is one that has been echoed time and again by neuroscientists, economists, psychiatrists, and people who have struggled with addiction. Several peer-reviewed scientific studies done over the past decade support the idea as well.

In her recent book “Unbroken Brain,” neuroscience journalist and author Maia Szalavitz calls addiction a learning disorder, much like ADHD, and says it needs to be treated as such. This treatment regimen would vary based on the individual but could include things like cognitive behavioral therapy, a form of psychotherapy in which the therapist and patient work together to swap unhealthy learned patterns with more constructive ways of thinking, and potentially medication.

Addiction “is a form of pathologic learning,” Szalavitz told Business Insider earlier this year. “Overwhelming changes occur in the brain region involving areas that evolved for things like love and sex and feeding.”

That means addiction will create what she calls “very powerful drives” — strong desires to take the drug repeatedly even if it’s not providing any pleasant effects. It’s something that runs contrary to what many people think of when they think of an addict, someone who uses simply because it feels good.

“We’ve just been getting this completely backwards by failing to address the role of learning,” Szalavitz said. “If you want to call it a disease, the kind of disease it is is a learning disease.”

Read the surgeon general’s full report, titled “Facing Addiction in America: The Surgeon General’s Report on Alcohol, Drugs, and Health” »

]]> Sun, 20 Nov 2016 12:00:00 -0500 Fri, 18 Nov 2016 17:36:40 -0500 http://www.businessinsider.com/new-report-surgeon-general-drug-addiction-2016-11 http://www.businessinsider.com/new-report-surgeon-general-drug-addiction-2016-11 [email protected] (Erin Brodwin) Erin Brodwin Richard Branson thanks his mother for his adventurous spirit. She would intentionally push him out of the car and tell him to find his own way to his grandmother’s house. At 93-years-old, she still frequently tags along with Richard on his adventures. 

Learn more about Branson in the new film “Don’t Look Down” — a true account of his near-death balloon flying adventures. 

Follow BI Video: On Twitter

]]> Sun, 20 Nov 2016 11:56:00 -0500 Sun, 20 Nov 2016 10:44:48 -0500 http://www.businessinsider.com/richard-bransons-mom-push-him-out-car-spark-adventure-adventerous-spirit-2016-11 http://www.businessinsider.com/richard-bransons-mom-push-him-out-car-spark-adventure-adventerous-spirit-2016-11?utm_source=feedburner&amp;utm_medium=referral [email protected] (Justin Gmoser) Justin Gmoser The Insider Picks team writes about stuff we think you’ll like. Business Insider has affiliate partnerships, so we may get a share of the revenue from your purchase.

ZBrooklinen

Editor’s Note: This article was originally published on 9/27/2016. We’re republishing it today in light of a recent sale. Right now, readers can now take advantage of Brooklinen’s Black Friday deal and get 10% off orders over $ 250, 15% off orders over $ 350, and 20% off orders over $ 450, plus free shipping.

Pillows are among the things just about all people own and use every day but don’t replace (or wash) as often as they should. I’m guilty of keeping mine well past their expiration date, and my sleep has almost definitely suffered as a result.

Sleep experts agree that while the right pillow alleviates pressure and prevents many forms of joint pain, back pain, and headaches and, thus, is crucial for a great night’s sleep, a bad pillow leads to bad sleep, which plays a role in causing everything from mood disorders to weight gain to dull skin.

The average lifespan of a pillow is only about 18 to 24 months. If yours are looking saggy, deflated, lumpy, or all of the above, it may be time for replacements. And for replacements, I can’t recommend Brooklinen’s pillows enough.

I have nothing but positive things to say about Brooklinen’s sheets. They’ve yet to be dethroned as my favorite all-around value and I recently bought my brother the move-in bundle, which sets you up with everything you need to turn your mattress into a fully functioning and comforting bed, as a housewarming gift. So I figured I might as well give the company’s pillows a try, too, since mine were looking and feeling worse for wear.

I’m not the only customer who’s had this thought; the company told me about 30% of people who buy sheets from it come back for pillows.

Before choosing my pillows, I spoke with Brooklinen’s cofounder, Vicki Fulop, to find out which of the company’s options would serve me best:

“In general, our firm pillow is best for back sleepers, the plush is ideal for stomach sleepers, and the mid-plush is perfect for side sleepers,” Fulop told me. “However, the reality is that most people don’t sleep in the same position the whole night but rather rotate and move around. For this reason, the mid-plush pillow is the best all-around option and our best-seller of the three options due to its versatility.”

I also had to choose between down and down-alternative. “The main difference between down and synthetic pillows is that down is made from natural fibers (feathers and down), while synthetic pillows are filled with down-alternative fibers (poly-blends),” Fulop said. “Synthetic pillows are usually made to mimic the feel of down and are great for people who are allergic to down.”

reverse smoke stripe overhead_22a8e2c5 dd86 4266 a0fb 8a573492e02f_1024x1024Brooklinen

I don’t have any allergies, but I move around a lot in my sleep and generally gravitate toward the softer end of the spectrum when it comes to pillows, so I ended up trying out Brooklinen’s plush and mid-plush down pillows. After five months of testing, I liked both of them a lot, but the mid-plush was my favorite. Like Fulop said, the mid-plush is super versatile, supportive, and great for people like me who don’t exclusively sleep on their back, side, or stomach. It’s a little bit of everything, in a good way.

In fact, I’m pretty sure it’s improved my sleep a bit. I’m a light sleeper, but I’ve been sleeping through the night a lot more frequently over the past few months. Part of that might have to do with the temperature of the pillow. I sleep hot and tend to overheat, but Fulop told me the natural fibers in Brooklinen’s down pillows are made to be more breathable and sleep slightly cooler. The pillows I’d used previously were synthetic, and those retain a bit more heat.

At $ 69 apiece for two mid-plush down pillows and $ 89 apiece for two plush ones, I paid $ 316 to outfit my queen-size bed. That may seem like a lot upfront — and it is when you don’t have a ton of disposal income to your name — but it’s important to keep in mind your cost per use for essential home items like these. Over 18 months, that initial $ 316 comes out to about $ 0.60 per use. That’s not bad. Over 24 months, if I’m lucky, that’s about $ 0.44 per use, which is even better.

cuddle down oeko tex_d403b4fe da3c 47c1 a465 a8cf4a7c367b_1024x1024Brooklinen

Don’t simply take my word for it, though.

“I hesitated with the price, but after reviewing other down pillows, I decided that a good night’s sleep was well worth it,” one commenter wrote. “We love these pillows, and after my sister used one as a guest, she is ordering the exact same one. Treat yourself.”

“Definitely has the ahhhhhhhhh factor. Very happy with it and cannot wait to order my second pillow,” another said.

One more commenter summed it up by simply saying, “Most comfortable pillow I have ever slept on.”

A few people complained about a strange, chemical-like smell that aired out of the pillows a few days after receiving them. I didn’t come across this issue in my testing, but it’s something that seems fairly common among new pillows, not just Brooklinen’s. If you’re not completely happy with your pillows, though, the company offers free return shipping in the US and exchanges for the first 60 days after your get your order.

RSS white hardcore_72aabf01 7a84 4b1b 836e b3b60c3e9831_1024x1024Brooklinen

I highly recommend giving Brooklinen’s pillows a try if your pillows have seen better days. Your sleep affects virtually every aspect of your life, and good-quality pillows can go a long way toward improving it.

The pillows are available in plush, mid-plush, and firm for standard and king sizes. You can also choose between down or down-alternative. My suggestion is to determine which type of sleeper you are (back, side, stomach, or a bit of everything) and choose what’s right for you from there.

Brooklinen’s down pillows go for $ 69 to $ 119 depending on the size and density you choose, while the down-alternative ones go for $ 59 to $ 79. You can check them all out here.

This article was originally published on 9/27/2016. 

]]> Sun, 20 Nov 2016 11:53:00 -0500 Sun, 20 Nov 2016 11:53:06 -0500 http://www.businessinsider.com/best-pillow-brooklinen-review-2016-9 http://www.businessinsider.com/best-pillow-brooklinen-review-2016-9?utm_source=feedburner&amp;utm_medium=referral [email protected] (Ellen Hoffman) Ellen Hoffman football fansRomeo Ranoco/Reuters

Drinking beer and eating huge amounts of junk food with friends is half the fun of football season. But if you’re going to see your team play in person and don’t have a tailgate to go to beforehand, you might want to check out a fan bar in the area.

Location intelligence company Foursquare put together a guide to the most popular fan bars near every NFL stadium in America, drawing upon its data that shows where users tend to go both before and after football games. 

The bars were selected based on their proximity to each stadium, and by utilizing Foursquare’s understanding of foot-traffic patterns to determine if there was a high overlap of people that visit both the bar and the football stadium. In cases where a clear winner wasn’t identifiable, Foursquare editors located bars that had tips that included terms such as “football,” “game” and the city’s team name. 

What follows is a guide to where you can feel safe drinking among fellow fans. 

BUFFALO BILLS: O’Neill’s Stadium Inn + Grill

Facebook.com/oneillsorchardpark

Address: 3864 Abbott Road, Orchard Park, New York

Foursquare rating: 7.8

Located just half a mile from New Era Field, O’Neill’s is a classic Irish pub that’s especially known for its delicious Buffalo wings, which they also famously have on the menu as a soup.

MIAMI DOLPHINS: Miller’s Ale House

Miller’s Ale House / Yelp

Address: 15251 NW 67th Avenue, Miami Lakes, Florida

Foursquare rating: 7.5

Miller’s Ale House is perhaps best known for its zinger mountain melt: boneless chicken tenders tossed with either bleu cheese or ranch dressing and layered on top of fries, Monterey Jack and cheddar cheeses, applewood smoked bacon, and green onions.

NEW ENGLAND PATRIOTS: Toby Keith’s I Love This Bar and Grill

Jeff S. / Foursquare

Address: 275 Patriot Place, Foxborough, Massachusetts

Foursquare rating: 6.7

This country music-inspired bar is one of few in the chain that remain open. Its menu includes some amazingly decadent shared plates, including a dish of fried macaroni and cheese and “loaded freedom fries,” topped with spicy queso, shredded jack cheese, bacon, chives, and sour cream.

See the rest of the story at Business Insider]]> Sun, 20 Nov 2016 11:34:00 -0500 Fri, 18 Nov 2016 13:54:31 -0500 http://www.businessinsider.com/where-to-go-before-nfl-football-games-2016-11 http://www.businessinsider.com/where-to-go-before-nfl-football-games-2016-11?utm_source=feedburner&amp;utm_medium=referral [email protected] (Madeline Stone) Address: 3864 Abbott Road, Orchard Park, New York

Foursquare rating: 7.8

Located just half a mile from New Era Field, O’Neill’s is a classic Irish pub that’s especially known for its delicious Buffalo wings, which they also famously have on the menu as a soup.

]]> Address: 15251 NW 67th Avenue, Miami Lakes, Florida

Foursquare rating: 7.5

Miller’s Ale House is perhaps best known for its zinger mountain melt: boneless chicken tenders tossed with either bleu cheese or ranch dressing and layered on top of fries, Monterey Jack and cheddar cheeses, applewood smoked bacon, and green onions.

]]> Address: 275 Patriot Place, Foxborough, Massachusetts

Foursquare rating: 6.7

This country music-inspired bar is one of few in the chain that remain open. Its menu includes some amazingly decadent shared plates, including a dish of fried macaroni and cheese and “loaded freedom fries,” topped with spicy queso, shredded jack cheese, bacon, chives, and sour cream.

]]> Address: 317 Washington Avenue, Carlstadt, New Jersey

Foursquare rating: 6.4

For $ 20 to $ 35 a car, you can park at Redd’s and enjoy a shuttle ride directly to MetLife Stadium. Get a burger or French onion soup before you go. 

]]> Address: 1400 Warner Street, Baltimore, Maryland

Foursquare rating: 6.6

This 10,000-square-foot sports bar and game hall will give guests their first beer free after Baltimore Ravens games.

]]> Address: 25 Ogden Place, Cincinnati, Ohio

Foursquare rating: 7.3

This dive bar — which happens to be one of the oldest in the city — has drink deals on Bengals game days.

]]> Address: 1214 West 6th Street, Cleveland, Ohio

Foursquare rating: 7.3

Dive Bar is a classic sports-themed hangout with 42 beers on tap. It’s located just half a mile from the Cleveland Browns’ home of FirstEnergy Stadium.

]]> Address: 393 North Shore Drive, Pittsburgh, Pennsylvania

Foursquare rating: 8.0

Foursquare users love this bar for its enormous nachos, pierogi flatbreads, and deep fried cheeseburgers. It tends to get busy before and after Steelers games.

]]> Address: 1613 Richmond Avenue, Houston, Texas

Foursquare rating: 7.7

Revelry on Richmond has a great craft beer selection and some interesting bar bites, including deep-fried jalapeños and a seafood stack of crab meat, yellowfin tuna, avocado, pico de gallo, and jumbo shrimp.

]]> Address: 17 Jackson Place, Indianapolis, Indiana

Foursquare rating: 7.9

Foursquare users say this festive downtown bar is the “best place to go before a Colts game.” They also have quarter beer nights on Thursdays and a packed dance floor.

]]> Address: 234 A.P. Randolph Boulevard, Jacksonville, Florida

Foursquare rating: 5.8

About a half-mile away from where the Jaguars play, and across the street from the minor league baseball grounds, Jacksonville Sports Tavern has delicious chicken tenders and nachos.

]]> Address: 429 Broadway, Nashville, Tennessee

Foursquare rating: 7.6

Like many similar bars in Nashville, Rippy’s has live music and cheap beer. Foursquare users give especially high marks to the bar’s pulled chicken salads and sandwiches.

]]> Address: 2027 West Colfax Avenue, Denver, Colorado

Foursquare rating: 8.1

An event space that’s popular for weddings and corporate events, Mile High Station gets packed when the Broncos are playing at home. 

]]> Address: 5424 Troost Avenue, Kansas City, Missouri

Foursquare rating: 7.6

Though it is a bit further away from its home stadium than the other bars on this list, Foursquare users say Mike’s Tavern is a great spot to have a beer, watch games on TV, and play darts and shuffleboard.

]]> Address: 1993 Davis Street, San Leandro, California

Foursquare rating: 9.1

A few miles away from the Oakland Coliseum, Drake’s Barrel House is a taproom connected to a popular craft brewery. The house beers are the highlight, but there’s also a food menu that includes various burgers and sandwiches.

]]> Address: 10475 San Diego Mission Road, San Diego, California

Foursquare rating: 7.9

Foursquare users rave about the jalapeño-topped Irish nachos and fish tacos at this bar, located a three-minute walk away from Qualcomm Stadium.

]]> Address: 601 East Main Street, Arlington, Texas

Foursquare rating: 6.7

This bar may be unassuming from the outside, but inside, you’ll find drink specials and classic bar bites. Mavericks also has a shuttle service to AT&T Stadium for $ 9 a person.

]]> Address: 250 Park Avenue, East Rutherford, New Jersey

Foursquare rating: 8.0

This neighborhood watering hole claims to have the best pizza and mussels in town, and it’s accessible by bus to MetLife Stadium. 

]]> Address: 1100 Pattison Avenue, Philadelphia, Pennsylvania

Foursquare rating: 6.9

This bar, known for its mechanical bull, is located in a dining and entertainment complex about a third of a mile away from Lincoln Financial Field.

]]> Address: 5121 Baltimore Avenue, Hyattsville, Maryland

Foursquare rating: 8.9

Foursquare users love the Thai pizza — topped with peanut sauce, cheese, smoked chicken, cilantro, and bean sprouts — as well as the BBQ sauce- and bacon-topped cowboy burger.

]]> Address: 1503 South Michigan Avenue, Chicago, Illinois

Foursquare rating: 8.3

Popular for its burgers and nautical decor, this bar is popular before and after Bears games.

]]> Address: 300 East Adams Avenue, Detroit, Michigan

Foursquare rating: 7.3

Built in its original location in 1936 (and since moved to another part in Detroit), the Art Deco-styled Elwood Bar & Grill is across the street from Ford Field.

]]> Address: 780 Armed Forces Drive, Green Bay, Wisconsin

Foursquare rating: 7.5

D2 has multiple bars, which is helpful when it gets packed on Packers game days. It’s a short walk to Lambeau Field when you’re done pre-gaming.

]]> Address: 530 Chicago Avenue, Minneapolis, Minnesota

Foursquare rating: 6.1

Located directly outside U.S. Bank Stadium, this glass-walled bar serves food and beer for 2.5 hours before and two hours after each Vikings home game.

]]> Address: 300 Marietta Street NW, Atlanta, Georgia

Foursquare rating: 7.9

Foursquare users rave about the loaded nachos and cool rooftop at this downtown Atlanta bar.

]]> Address: 140 Brevard Court, Charlotte, North Carolina

Foursquare rating: 8.6

This sports bar — and its expansive parking lot — is a popular place to catch a game, especially soccer. It’s half a mile away from Bank of America Stadium.

]]> Address: 1009 Poydras Street, New Orleans, Louisiana

Foursquare rating: 7.3

Located down the street from the Superdome, Walk-On’s has a good variety of bar snacks, from ahi tuna to boom boom shrimp to fried Louisiana alligator.

]]> Address: 4302 West Boy Scout Boulevard, Tampa, Florida

Foursquare rating: 8.8

Enjoy some classic comfort food at this Tampa spot, including cornbread casserole, cheese and bacon grits, and pulled pork.

]]> Address: 9401 West Westgate Boulevard, Glendale, Arizona

Foursquare rating: 8.8

With more than 100 beers on tap (powered by a special keg room housing more than 4,000 kegs of beer) and a location just a half-mile away from the University of Phoenix Stadium, Yard House is ideal for brew lovers and football fans. 

]]> Address: 2902 South Figueroa Street, Los Angeles, California

Foursquare rating: 6.9

Thanks to its location near the Coliseum and USC’s campus, 901 Bar & Grill (or “The Nine Oh”) is often packed with students. Check it out for its decent happy hour and drink specials.

]]> Address: 510 Lawrence Expressway #110, Sunnyvale, California

Foursquare rating: 8.4

Foursquare users recommend that brave eaters try the “Beg for Mercy Cheese Burger” at this spot near the 49ers’ Silicon Valley home. It comes with roasted serrano peppers, pepper jack cheese, and chipotle mayo.

]]> Address: 553 1st Avenue South, Seattle, Washington

Foursquare rating: 7.3

Triangle Pub is the best place to hang out before Seahawks games. It gets its name from the building’s flatiron shape, and it was originally a hotel. 

]]> Madeline Stone RAW Embed

Neil deGrasse Tyson explains some of the biggest misconceptions we have about the universe.

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StarTalk Radio is a podcast and radio program hosted by astrophysicist Neil deGrasse Tyson, where comic co-hosts, guest celebrities, and scientists discuss astronomy, physics, and everything else about life in the universe. Follow StarTalk Radio on Twitter, and watch StarTalk Radio “Behind the Scenes” on YouTube.

]]> Sun, 20 Nov 2016 11:30:00 -0500 Fri, 18 Nov 2016 18:01:31 -0500 http://www.businessinsider.com/our-biggest-misconceptions-about-universe-2016-11 http://www.businessinsider.com/our-biggest-misconceptions-about-universe-2016-11?utm_source=feedburner&amp;utm_medium=referral [email protected] (Darren Weaver) Darren Weaver The Philippine president has signaled that he is flirting with the idea of imposing martial law

NOW WATCH: JACK DANIEL’S MASTER DISTILLER: This is the real difference between scotch, whiskey, and bourbon

]]> Sun, 20 Nov 2016 11:30:00 -0500 Fri, 18 Nov 2016 15:00:21 -0500 http://www.businessinsider.com/president-rodrigo-duterte-martial-law-habeas-corpus-philippines-2016-11 http://www.businessinsider.com/president-rodrigo-duterte-martial-law-habeas-corpus-philippines-2016-11 [email protected] (Military & Defense Team) Military & Defense Team Mark ZuckerbergRobert Galbraith/Reuters

More than a billion people use Facebook every single day.

It’s the app you likely spend the majority of your time using on your phone or the website you pull up more than you care to admit. Whether you’re finding the latest news or trying to stay in touch with friends, checking Facebook can become an addictive habit.

We’ve collected some of the best tips and tricks you may not know about — from hiding people you don’t want to see on Facebook to managing notifications.

It’s time to start using Facebook like a pro:

See something interesting in your News Feed but don’t have time to look at it now? You can save it for later.

Tech Insider

Your bookmarked links, videos, photos, places, and more are accessible from the “Saved” page on your Facebook profile. The page is included under the “More” tab in the Facebook mobile app.

Perfect for saving all of Business Insider’s amazing articles for later.

Turn your profile pic into an animated GIF.

Vimeo

From the Facebook mobile app, select your profile picture and then “Take a New Profile Video” to upload a short video loop of yourself. The result looks like a mix between an animated GIF and a moving picture straight out of “Harry Potter”.

Stories with this little lightning bolt are displayed in Facebook’s Instant Articles format, which will will typically load faster and show fewer ads.

Business Insider

Facebook Instant Articles are native to the social network, which means that they load directly in the Facebook iPhone app with a clean, minimal layout. Dozens of media outlets (including Business Insider) are sharing Instant Articles, and Facebook claims that stories published in its format load up to ten times faster.

If a story is an Instant Article, you’ll see a little lightning icon in the bottom left of the story thumbnail.

See the rest of the story at Business Insider]]> Sun, 20 Nov 2016 11:30:00 -0500 Fri, 18 Nov 2016 20:50:01 -0500 http://www.businessinsider.com/how-to-use-facebook-like-a-pro http://www.businessinsider.com/how-to-use-facebook-like-a-pro?utm_source=feedburner&amp;utm_medium=referral [email protected] (Alex Heath) Your bookmarked links, videos, photos, places, and more are accessible from the “Saved” page on your Facebook profile. The page is included under the “More” tab in the Facebook mobile app.

Perfect for saving all of Business Insider’s amazing articles for later.

]]> From the Facebook mobile app, select your profile picture and then “Take a New Profile Video” to upload a short video loop of yourself. The result looks like a mix between an animated GIF and a moving picture straight out of “Harry Potter”.]]> Facebook Instant Articles are native to the social network, which means that they load directly in the Facebook iPhone app with a clean, minimal layout. Dozens of media outlets (including Business Insider) are sharing Instant Articles, and Facebook claims that stories published in its format load up to ten times faster.

If a story is an Instant Article, you’ll see a little lightning icon in the bottom left of the story thumbnail.

]]> If you don’t want videos on Facebook automatically playing when you scroll past them in your News Feed, make sure to turn the setting off.

Under the far right tab in the Facebook mobile app, tap Settings and then “Account Settings.” From there select “Videos and Photos.” You can choose to auto-play videos over cellular and Wi-Fi connections, just Wi-Fi, or never.

]]> If you want to stop seeing someone’s posts in your News Feed but don’t have the guts to completely unfriend them, you can unfollow them to hide their activity.

From someone’s profile in the Facebook mobile app, tap on “Following” under their profile picture and then “Unfollow” to get rid of their posts completely. On the desktop site, click the drop-down arrow to the right of a post to unfollow a person.

]]> Facebook’s “On This Day” feature shows your activity on its social network on the same day from years past. Think of it like your personal time capsule on Facebook.

Only you see your “On This Day” activity, and you can find the feature from the link Facebook.com/onthisday. Facebook also lets you hide certain people from showing up in your past activity, which is helpful for not seeing memories of your ex.

]]> Your Activity Log on Facebook documents all of your activity on the social network. It’s easily accessible on your profile from both the mobile app and desktop site.]]> If there are certain people or pages you want to see first in your News Feed no matter what, you can select them in the Facebook mobile app. 

Tap “Settings” under the app’s “More” tab and then “News Feed Preferences” to get started.

People and pages you’ve marked to see first will have a little blue star next to their posts in your feed.

]]> Sick of people pronouncing your name wrong? You can teach them on Facebook.

While editing your profile on the desktop, go to “Details About You” under “About” to get started. You can also add a nickname or maiden name for yourself to display with your profile.

]]> There are two ways you can connect with someone on Facebook: by becoming friends with them, and by following them. 

Being friends means that you and the other person have approved the connection and likely know each other, while following an account means that the person hasn’t added you back as a friend.

When someone follows you, they’ll only see posts you share publicly. You can turn off the ability for people to follow your account at any time from the “Followers” section of your account settings.

]]> Your Facebook posts can be shared with your friends, friends and friends of friends, or anyone who views your profile. 

You can select these sharing options on a case-by-case basis from the drop-down menu at the top right of a post. On the mobile app, select “Edit Privacy” and select one of the options. From the desktop, just click the little friends or globe icon next to a post’s time stamp.

If you want everyone expect a few people to see a post, you can choose to hide it from specific people by selecting “Friends except…” on the mobile app and “Custom” on the desktop.

]]> This is handy for seeing what on your profile is visible to others, including individual friends you may have hidden certain information from in the past.

When you’re logged into Facebook on the desktop website, go to your profile, click the ellipsis and then “View as…”

]]> If for some reason you don’t want people seeing who you’re friends with, you can hide the list entirely.

From your friends list on the desktop, click the “Manage” pen icon on the right and then “Edit Privacy.” Then you can change who can see your friends list, the people you follow, and your followers.

]]> It could be potentially disastrous for your Facebook friends to see your relationship-status change. The good news is that you can prevent relationship changes from being seen by anyone except you. This means the change won’t show up in your friends’ News Feeds.

While editing your profile under “Family and Relationships,” change the privacy filter to “Only Me.”

]]> If you have certain photo albums you don’t want people seeing, but don’t feel like deleting them completely, you can hide them so only you can see them on Facebook. The same goes for events in your life, whether they be relationship changes, new jobs, or whatever.

Just take note of the little gray icon next to a photo album or post. Two little people mean that it can only be seen by your friends, a globe means it’s public, and a padlock means only you can see it.

]]> If someone is spamming you with messages or you just want to make sure they can’t see your profile, go to their profile page and click on the three dots to the far right. Select “Block.”]]> From the Facebook mobile app, tap the far right More tab then Settings, Account Settings, Security, and finally “Where You’re Logged In.” Tap the “X” to remotely log out of any device or Facebook app you’re logged into.

From your Security Settings on Facebook’s desktop site, the “Where You’re Logged In” menu shows active logins and lets you end them.

]]> Facebook Login Alerts and Login Approvals can be enabled under Security Settings in the mobile app and desktop site.

You can choose to get a Facebook notification or email whenever a log-in is made. Login Approvals mean that you’ll have to enter a secondary code sent to your phone before you can log-in to Facebook on a new device.

]]> You can customize exactly what kinds of notifications you get from Facebook, all the way down to updates for an event you’ve joined. 

It gets better: Notifications you want can be customized on the desktop and your phone separately. Go to the “Notifications” section of your account settings on the desktop and tweak away.

]]> We’ve all probably commented on a post and regretted it later because of the onslaught of notifications that followed from other people commenting. 

You may not know that you can unsubscribe from activity on any post, which could be a godsend next time you decide to comment on a friend’s politically charged opinion.

When you get a notification for a comment or like on a post on Facebook’s desktop site, click the “X” to the right of the notification and then “Turn off.”

The reverse is also true. You can turn on notifications for activity on any post from the right drop-down arrow.

]]> If you’re sick of Facebook notifying you about friends’ birthdays every day, you can turn the notifications off.

Go to the notifications tab in your account settings and turn the birthdays option 0ff.

]]> If you want to keep tabs on someone’s Facebook activity, you can get alerted every time they share something. Just click the “Friends” drop-down menu from their profile on Facebook’s desktop site and select “Get Notifications.”]]> This takes stalking to the next level: You can search for posts liked or commented on by one of your friends.]]> Facebook lets you search for a lot more than just other peoples’ profiles.

Everything that’s publicly shared on the social network is searchable, which means that if you search for something like “James Bond” or “iPhone 8,” you’ll see related posts from news sources, friends, and other pages.

]]> Designating groups within your list of friends can be useful to filter between what everyone is talking about in your News Feed. For instance, you may want to see what everyone from your hometown is sharing or just your friends from college.

Facebook creates list of friends by default based on common affiliation, whether it be the same hometown, school, etc. On Facebook’s desktop site you can see all of your friend lists from this page and add people to them. This creates individual News Feeds within Facebook for you to browse.

]]> Facebook lets you create a short bio for yourself that sits above your other profile information, such as city, work, and relationship status.

You can edit it at any time from your profile on the desktop site and mobile app.

Pro tip: Make your bio completely out of emojis.

]]> Your Facebook comments and posts are thankfully not set in stone. Not only can you delete them at any time, but you can also edit them.

Tap the drop-down arrow to the right of one of your posts on the desktop and then hit “Edit Post.” When viewing one of your comments, tap the little pencil icon to the right to edit or delete.

To edit or delete a comment from the Facebook mobile app, tap and hold on the comment.

]]> Alex Heath fantastic beasts trailerWarner Bros

The “Harry Potter” spin-off movie “Fantastic Beasts and Where to Find Them” took in an estimated $ 75 million at the domestic box office in its opening weekend, according to pro.boxoffice.com. 

An impressive figure for the first of five movies that will explore Newt Scamander (Eddie Redmayne) and his adventures while collecting fantastic beasts.

Though the movie had a smaller opening weekend than any of the “Harry Potter” movies — Warner Bros. was not expecting it to make that kind of money — it tied the ninth best domestic opening weekend of 2016, matching “Zootopia” ($ 75 million).

Though it can be argued that the movie being released in over 4,000 screens domestically (with a reported production budget north of $ 180 million and a marketing budget of $ 150 million) and only making $ 75 million isn’t necessarily a win, Warner Bros. is looking at the global game with “Fantastic Beasts.” Bringing in $ 143 million internationally is likely the figure that WB is reassured about the film’s staying power.

As expected, “Fantastic Beasts” swallowed up the market, as new releases and holdovers all underperformed over the weekend. “Doctor Strange” came in second place with $ 17.6 million; “Trolls” came in third with $ 17.5 million.

NOW WATCH: ‘The Walking Dead’ fans think they uncovered something huge in this scene from the latest episode

]]> Sun, 20 Nov 2016 11:27:51 -0500 Sun, 20 Nov 2016 11:30:17 -0500 http://www.businessinsider.com/fantastic-beasts-and-where-to-find-them-easily-wins-weekend-box-office-2016-11 http://www.businessinsider.com/fantastic-beasts-and-where-to-find-them-easily-wins-weekend-box-office-2016-11?utm_source=feedburner&amp;utm_medium=referral [email protected] (Jason Guerrasio) Jason Guerrasio Dak PrescottEzra Shaw/Getty Images

Maybe the most surprising storyline of the 2016 NFL season has been the emergence of Dak Prescott. The young quarterback has gone from a third-string rookie taken in the fourth round to the starter on arguably the best team in the NFL, the Dallas Cowboys.

Prescott was not even the Cowboys’ first choice in the draft as Jerry Jones twice tried to trade up for other quarterbacks but was unable to get the deals done.

In all, seven quarterbacks were taken in the 2016 NFL Draft before Prescott’s name was called with the 135th pick. Here is how those other QBs are doing early in their careers.

Jared Goff, Los Angeles Rams — First round (No. 1 overall)

Christian Petersen/Getty Images

Games started: 0

Key stats (through 10 weeks): None

Pro Football Focus grade: Not available

Total Quarterback Rating (QBR)Not available

What draft experts said at the time: “Goff took Cal football to a different level, and the Rams hope he does the same in L.A. He’s a little bit like Matt Ryan and Joe Flacco, who both started from Day 1. Goff can do the same with the run game and defense the Rams possess.” — Mike Mayock of NFL.com.

Where he is now: After not even dressing to start the season, Goff has served as backup to Case Keenum and is yet to throw an NFL regular-season pass. Despite the Rams appearing to be intent on letting Goff sit his entire rookie season, it sounds like ownership has forced Jeff Fisher’s hand as Goff will now make his first start in Week 11.

Carson Wentz, Philadelphia Eagles — First round (No. 2 overall)

Ronald Martinez/Getty Images

Games started: 10

Key stats (through 10 weeks): 65.0% completions (15th in NFL), 9 touchdowns (tied-24th), 5 interceptions (tied-21st), 6.82 yards per attempts (25th)

Pro Football Focus grade: 85.4 (No. 7 overall)

Total Quarterback Rating (QBR): 45.8 (No. 30 overall)

What draft experts said at the time: “Wentz comes with great intangibles and is a naturally accurate thrower. Pairing him with QB guru Doug Pederson would aid Wentz’s steep learning curve as he transitions from the FCS.” — Todd McShay of ESPN.com.

Where he is now: The Rams traded Sam Bradford just before the season started, elevating Wentz to starter a lot sooner than many expected. He rewarded the Eagles by putting on an impressive display in the first four games with 7 touchdowns and just 1 interception. However, two of those games came against arguably the two worst teams in the NFL in the Browns and the Bears. Wentz has thrown just 2 touchdowns with 4 interceptions in his last five games, but still seems like a star-in-waiting.

Paxton Lynch, Denver Broncos — First round (No. 26 overall)

Brian Blanco/Getty

Games started: 1

Key stats (through 10 weeks): 62.7% completions (would rank 21st in NFL if qualified), 2 touchdowns, 1 interceptions, 6.66 yards per attempts (would rank 28th)

Pro Football Focus grade: 48.9 (unranked)

Total Quarterback Rating (QBR): 32.4 (would rank No. 33 overall)

What draft experts said at the time: “Lynch is a lot like Joe Flacco, but is more athletic. Lynch can be special.” — Mike Mayock of NFL.com.

Where he is now: Lynch impressed in the preseason, enough to justify the use of a late-first-round pick. While there was a call to make Lynch a starter right away, the Broncos seem content to let Lynch backup Trevor Siemian for the season. Lynch did get rushed into action in Week 4 and started the Broncos’ Week 5 loss when Siemian went down with an injury.

See the rest of the story at Business Insider]]> Sun, 20 Nov 2016 11:24:15 -0500 Sun, 20 Nov 2016 11:24:26 -0500 http://www.businessinsider.com/dak-prescott-nfl-draft-2016-11 http://www.businessinsider.com/dak-prescott-nfl-draft-2016-11 [email protected] (Cork Gaines) Games started: 0

Key stats (through 10 weeks): None

Pro Football Focus grade: Not available

Total Quarterback Rating (QBR)Not available

What draft experts said at the time: “Goff took Cal football to a different level, and the Rams hope he does the same in L.A. He’s a little bit like Matt Ryan and Joe Flacco, who both started from Day 1. Goff can do the same with the run game and defense the Rams possess.” — Mike Mayock of NFL.com.

Where he is now: After not even dressing to start the season, Goff has served as backup to Case Keenum and is yet to throw an NFL regular-season pass. Despite the Rams appearing to be intent on letting Goff sit his entire rookie season, it sounds like ownership has forced Jeff Fisher’s hand as Goff will now make his first start in Week 11.

]]> Games started: 10

Key stats (through 10 weeks): 65.0% completions (15th in NFL), 9 touchdowns (tied-24th), 5 interceptions (tied-21st), 6.82 yards per attempts (25th)

Pro Football Focus grade: 85.4 (No. 7 overall)

Total Quarterback Rating (QBR): 45.8 (No. 30 overall)

What draft experts said at the time: “Wentz comes with great intangibles and is a naturally accurate thrower. Pairing him with QB guru Doug Pederson would aid Wentz’s steep learning curve as he transitions from the FCS.” — Todd McShay of ESPN.com.

Where he is now: The Rams traded Sam Bradford just before the season started, elevating Wentz to starter a lot sooner than many expected. He rewarded the Eagles by putting on an impressive display in the first four games with 7 touchdowns and just 1 interception. However, two of those games came against arguably the two worst teams in the NFL in the Browns and the Bears. Wentz has thrown just 2 touchdowns with 4 interceptions in his last five games, but still seems like a star-in-waiting.

]]> Games started: 1

Key stats (through 10 weeks): 62.7% completions (would rank 21st in NFL if qualified), 2 touchdowns, 1 interceptions, 6.66 yards per attempts (would rank 28th)

Pro Football Focus grade: 48.9 (unranked)

Total Quarterback Rating (QBR): 32.4 (would rank No. 33 overall)

What draft experts said at the time: “Lynch is a lot like Joe Flacco, but is more athletic. Lynch can be special.” — Mike Mayock of NFL.com.

Where he is now: Lynch impressed in the preseason, enough to justify the use of a late-first-round pick. While there was a call to make Lynch a starter right away, the Broncos seem content to let Lynch backup Trevor Siemian for the season. Lynch did get rushed into action in Week 4 and started the Broncos’ Week 5 loss when Siemian went down with an injury.

]]> Games started: 0

Key stats (through 10 weeks): None

Pro Football Focus grade: Not available

Total Quarterback Rating (QBR): Not available

What draft experts said at the time“He has prototypical size and arm talent. However, the tape is wildly inconsistent and he’s a wild card.” – Mike Mayock of NFL.com.

Where he is now: Three different quarterbacks have started games for the Jets this season, including second-year quarterback Bryce Petty. Hackenberg is yet to see any regular-season action. In fact, during the Jets’ Week 10 loss to the Rams, the Jets chose the injured Ryan Fitzpatrick to serve as Petty’s backup and not Hackenberg, suggesting he is not even close to being ready for NFL action. When head coach Todd Bowles was asked if Hackenberg would see any action this year, he would only say “Too early to tell, but we’ll see.

]]> Games started: 2

Key stats (through 10 weeks)61.8% completions (would rank 24th in NFL if qualified), 0 touchdowns, 0 interceptions, 7.27 yards per attempts (would rank 16th)

Pro Football Focus grade: 48.1 (unranked)

Total Quarterback Rating (QBR): 45.3 (would rank No. 31)

What draft experts said at the time: — “Sources with teams say that Brissett is a sleeper quarterback who they’re keeping an eye on. As we reported in the rumormill, some east coast scouts rate Brissett ahead of other more highly touted prospects like Penn State’s Christian Hackenberg. Other sources aren’t fans of Brissett … Brissett had a decent week at the Senior Bowl, but didn’t light a fire under his draft stock. That was the same outcome of his combine workout. Brissett’s more of a mid-round backup with some developmental potential.” — WalterFootball.com

Where he is now: Brissett showed some promise in the preseason and in a start against the Houston Texans as he was filling in for the suspended Tom Brady and the injured Jimmy Garoppolo. He will miss the rest of the 2016 season after undergoing surgery on his thumb, but now looks like a potential long-term solution at quarterback for the Patriots if Brady ever decides to retire.

]]> Games started: 7

Key stats (through 10 weeks): 66.9% completions (9th in NFL), 6 touchdowns (tied-30th), 1 interceptions (tied-37th), 6.97 yards per attempts (21st)

Pro Football Focus grade: 76.7 (No. 19 overall)

Total Quarterback Rating (QBR): 56.2 (No. 24 overall)

What draft experts said at the time: — “There was a lot of buzz on him late in the draft process. He won’t wow you with arm strength, but his decision-making abilities are a strength.” — Daniel Jeremiah of NFL.com.

Where he is now: Kessler started the season well down on the Browns’ depth chart. But after injuries to both Robert Griffin III and Josh McCown, Kessler is now one of six players to throw a pass for the Browns this season and has started seven of the last eight games for the 0-10 Browns. Despite the losses, Kessler has shown some promise, with 6 touchdown passes and just 1 interception.

]]> Games started: 0

Key stats (through 10 weeks): None

Pro Football Focus grade: Not available

Total Quarterback Rating (QBR): Not available

What draft experts said at the time: — “Cook might be NFL ready right away. The issue is what’s his ceiling.” — Pete Prisco of CBSSports.com.

Where he is now: Cook is yet to see the field during the regular season and is listed as third on the Raiders’ depth chart behind Derek Carr and fourth-year backup Matt McGloin. With the 25-year-old Carr having a breakout season, it would seem that Cook is going to be stuck on the bench for a long time to come.

]]> Games started: 9

Key stats (through 10 weeks)66.8% completions (10th in NFL), 14 touchdowns (tied-12th), 2 interceptions (tied-30th), 8.35 yards per attempts (3rd)

Pro Football Focus grade: 80.7 (No. 13 overall)

Total Quarterback Rating (QBR): 82.6 (No. 2 overall)

What draft experts said at the time: — “There are physical, athletic, and leadership traits comparable to Tim Tebow, but Prescott is vastly more pro-ready as a passer. He’s an ideal backup as he continues to work on overall consistency, but he’ll bring a dynamic element if his name’s ever called.” — Mark Dulgerian of NFL.com.

Where he is now: Coming into the NFL Draft, Prescott had a DUI arrest looming over his head (charges were later dismissed) and he was most often compared to his idol, Tim Tebow, at a time when most had soured on Tebow.

Prescott wasn’t even Jerry Jones’ first choice in the draft, according to ESPN the Magazine. Jones wanted to trade up for Paxton Lynch but would only offer a second-round pick and a fourth-round pick. The Seahawks wanted a second and a third and traded their pick to the Broncos instead. Jones would later say that he regretted not making the move. Then, in the third round, Jones again tried to trade up, this time to get Connor Cook, but the Raiders offered the Browns a better package and got Cook. 

After the draft, the Cowboys’ back-up quarterback, Kellen Moore, broke his ankle. Jones tried to sign Nick Foles but was spurned when the former Rams signal-caller signed with the Chiefs. Jones then tried to trade for Josh McCown, but walked away when the Browns demanded a second-round pick.

Finally, in the preseason, Tony Romo injured his back and Prescott, who had already impressed in preseason action, was handed the reins. Three months later, the Cowboys are now Prescott’s team and Romo may never get his starting job back.

]]> The Chicago Cubs built a model franchise that will dominate for years to come by using an unusual strategy]]> Cork Gaines Vladimir PutinREUTERS/Ivan Sekretarev/Pool

GLASGOW, Scotland (AP) — Russia’s failure to acknowledge it operated a state-sponsored doping program, continued obstruction of testing and cyberattacks on the World Anti-Doping Agency were denounced on Sunday.

WADA officials warned that Russian sport will struggle to regain the trust of the sports world if leaders continue to refuse to accept key findings from investigation reports which exposed deep-rooted corruption.

The public criticism in front of Vladimir Putin’s anti-doping troubleshooter at the WADA Foundation Board meeting came as it was disclosed that investigator Richard McLaren’s final report into Russian state-sponsored doping will be published on Dec. 9.

Vitaly Smirnov, the former Soviet sports minister now heading Russia’s state-backed anti-doping commission, responded defiantly: “Russia has never had a state-sponsored system of doping.”

That unwavering stance drew a sharp response from WADA deputy director general Rob Koehler.

“There needs to be an acceptance of the findings of the McLaren report … because they are factual,” Koehler said.

“Can they move on?” he added. “We’ve said from the beginning cultural change is one of the biggest things that needs to happen. Part of cultural change is the admittance of some of the facts.”

Vitaly Mutko, who was recently promoted from sports minister to deputy prime minister, was banned from attending the Rio de Janeiro Olympics in August after being accused by McLaren of ordering the cover-up of a failed drug test by a foreign soccer player.

vitaly mutkoREUTERS/Ivan Sekretarev/Pool

Mutko’s anti-doping adviser, Nataliya Zhelanova, and one of his deputies at the sports ministry, Yuri Nagornykh, were also ousted on Putin’s orders after McLaren said they helped to orchestrate cover-ups of hundreds of drug tests.

“He was not (a member of the government) he was deputy minister,” Smirnov said of Nagornykh. “Only ministers are members of the government.”

WADA pushed unsuccessfully for Russia’s entire delegation to be banned from the Rio Games, exacerbating divisions with the International Olympic Committee.

“If a certain person is a criminal, it doesn’t mean the whole country is,” said Smirnov, a former Soviet sports minister and IOC member. When asked if Mutko was a criminal, he responded: “Don’t push me”

In an earlier presentation, WADA’s Koehler criticized Mutko for claiming McLaren’s report was “falsified” and threatening to prosecute those assisting the investigators. Koehler also pointed to cyberattacks on WADA that “we are told are led by Russian espionage groups.”

A hacking group known as Fancy Bears, which WADA says is linked to Russia, has been releasing records of “Therapeutic Use Exemptions” which allow athletes to use otherwise-banned drugs because of a verified medical need. WADA said hackers are still trying to obtain logins and passwords.

Russia’s anti-doping body was declared non-compliant last year when former WADA president Dick Pound detailed widespread cheating in track and field and led the IAAF to ban Russia’s entire athletics team.

“The problems that we had are re-occurring,” Koehler said. He detailed how officials are being denied access to so-called closed cities where athletes are training and a sealed-off laboratory in Moscow, preventing international federations accessing stored samples.

WADA will remain under the leadership of Craig Reedie for the next three years after the 75-year-old was re-elected unopposed for a second term.

___

Rob Harris is at www.twitter.com/RobHarris and www.facebook.com/RobHarrisReports

NOW WATCH: How the ‘perfect body’ for men has changed over the last 150 years

]]> Sun, 20 Nov 2016 11:20:00 -0500 Sun, 20 Nov 2016 11:23:08 -0500 http://www.businessinsider.com/ap-wada-to-russia-accept-doping-blame-stop-being-obstructive-2016-11 http://www.businessinsider.com/ap-wada-to-russia-accept-doping-blame-stop-being-obstructive-2016-11?utm_source=feedburner&amp;utm_medium=referral donald trumpDrew Angerer/Getty Images

President-elect Donald Trump offered praise for incoming Democratic Senate Minority Leader Chuck Schumer.

In a tweet on Sunday that coincided with Schumer’s interview on “Meet The Press,” Trump claimed that Schumer was smarter than outgoing Senate Minority Leader Harry Reid, and said Schumer’s appointment to the post was “good news.”

“I have always had a good relationship with Chuck Schumer. He is far smarter than Harry R and has the ability to get things done. Good news!” Trump wrote.

For his part, Schumer attempted to distance himself from the president-elect.

Though Schumer told “Fox News Sunday” that he’d spoken with Trump several times since the election, during an interview on “Meet The Press,” the incoming senate minority leader emphasized that he did not know Trump particularly well,  and pledged to oppose him.

“We see each other occasionally at events in New York,” Schumer said. “But I really didn’t know him very well.”

Pressed, he added: “I learned far more about him in the campaign. I was troubled by a whole lot of things in the campaign.”

Still, Schumer also pointed out areas where Trump’s campaign promises appeared to align more with Democratic policy proposals than Republican ones.

“Surprisingly, on certain issues, candidate Trump voiced very progressive and populist opinions. For instance, getting rid of the carried interest loophole, changing our trade laws dramatically, a large infrastructure bill,” Schumer said.

He added:

“But on issues where our values are at stake, where the president goes in a divisive direction, where his campaign did before, we’ll go against him and with everything we’ve got. We’re not going to repeal or help him repeal Obamacare. We are not going to roll back Dodd-Frank. I think they should forget about that. We have 60 votes to block them. We’re not going to help him build his wall. We have a comprehensive immigration reform bill that builds in much tougher border security and it had bipartisan support than he’s ever called for. So we’re not going to oppose him just because it’s Trump. But we’re certainly going to stick to our values and oppose him wherever he opposes those.”

Despite Schumer’s attempt to distance himself from the president-elect, Trump has repeatedly mentioned his ties to Schumer, who he has known for years.

Schumer has received more donations from Trump than any other lawmaker has. Several members of Trump’s family, including Ivanka Trump, her husband Jared Kushner, and Eric Trump and Donald Trump Jr., also donated to Schumer’s senate campaigns.

“I mean, I’ve contributed to Schumer, I contribute — I’ve known Schumer for many, many years,” Trump said last year. “And I have a good relationship with him. The fact is, that I think it is time maybe that we all do get along.”

And during the Al Smith dinner in New York in October, Trump joked that Schumer “used to love me when I was a Democrat.”

NOW WATCH: Animated map shows how drastically split different demographics are this election

]]> Sun, 20 Nov 2016 11:18:49 -0500 Sun, 20 Nov 2016 11:18:56 -0500 http://www.businessinsider.com/donald-trump-chuck-schumer-relationship-2016-11 http://www.businessinsider.com/donald-trump-chuck-schumer-relationship-2016-11?utm_source=feedburner&amp;utm_medium=referral [email protected] (Maxwell Tani) Maxwell Tani U.S. President-elect Donald Trump (L) and former Massachusetts Governor Mitt Romney emerge after their meeting at the main clubhouse at Trump National Golf Club in Bedminster, New Jersey, U.S., November 19, 2016.Thomson Reuters

BEDMINSTER, N.J. (Reuters) – President-elect Donald Trump on Sunday identified retired Marine Corps General James Mattis as a strong candidate for U.S. defense secretary, while Mitt Romney, previously a Trump critic, was under serious consideration as secretary of state.

Trump wrote on Twitter that “General James ‘Mad Dog’ Mattis, who is being considered for Secretary of Defense, was very impressive yesterday. A true General’s General!” Trump met with Mattis, who previously headed the U.S. military’s Central Command, on Saturday in New Jersey.

Trump also met on Saturday with Romney, who is a possible selection as the top U.S. diplomat.

The president-elect told reporters that he would likely have some announcements on top administration positions on Sunday but did not say which ones.

On Sunday, Trump was to meet with several more contenders for senior jobs, including former New York mayor Rudy Giuliani, who also is in the running for secretary of state, and billionaire investor Wilbur Ross, who is being considered for commerce secretary.

Trump was also scheduled to meet with New Jersey Governor Chris Christie, who was a close adviser during his campaign but was removed as the head of his transition team.

Speaking on “Fox News Sunday, Vice President-elect Mike Pence, who now heads Trump’s transition team,” said Mattis has had “a legendary military career.”

Pence also said Trump and Romney “had a good meeting. It was a warm and a substantive exchange, and I know he is under active consideration to be secretary of state.”

Pence said Romney was willing to be considered for the job.

Trump takes office on Jan. 20 and has working to fill key positions in his administration.

Trump’s incoming White House chief of staff, Reince Priebus, said on ABC’s “This Week” program that Romney and Trump had a “very substantive” conversation in which they discussed foreign hot spots and other issues.

Reince PriebusThomson Reuters

Romney, the unsuccessful 2012 Republican presidential nominee, was a leader of the Republican establishment movement that tried to block Trump from becoming the nominee this year. In March, Romney called Trump “a phony,” “a fraud” and “a con man.”

Conservative radio talk show host Laura Ingraham confirmed on Sunday she is being considered by Trump to serve as White House press secretary.

“It’s an intriguing idea,” she said on “Fox News Sunday.”

Ingraham defended the Trump transition team’s decision not to include a pool of reporters when he has traveled at times. She said the news media had been “stacking the deck against Trump” before the election.

(Additional reporting by David Shepardson and Toni Clarke in Washington; Writing by Will Dunham; Editing by Caren Bohan and Mary Milliken)

NOW WATCH: A mysterious cloud moving 700,000 mph is going to collide with our galaxy — here’s what will happen

]]> Sun, 20 Nov 2016 11:16:00 -0500 Sun, 20 Nov 2016 11:29:57 -0500 http://www.businessinsider.com/r-trump-considers-mattis-romney-for-top-national-security-jobs-2016-11 http://www.businessinsider.com/r-trump-considers-mattis-romney-for-top-national-security-jobs-2016-11?utm_source=feedburner&amp;utm_medium=referral  

The Insider Picks team writes about stuff we think you’ll like. Business Insider has affiliate partnerships so we get a share of the revenue from your purchase.

laptopBlack Friday is just around the corner.  

While there are some items you might have to camp out for in order to snag the best deals, Udemy is offering Black Friday prices on thousands of online courses a week early, with no requirement of standing in line or elbowing through crowds.

If you’ve wanted to learn a foreign language, master coding, or simply improve your writing and photography skills, there’s a class for you here, and it’s available for just $ 10.

If any of the courses below appeal to you, it’s a great time to invest; they’re as cheap as they’ll ever be.

There are just 15 listed here, but remember, there are thousands more you can also buy for $ 10 at Udemy through November 25. Prices will inflate by $ 1 every other day at midnight through Black Friday, when they’ll be $ 15.

This article was originally published on 11/14/16 and prices are being updated each day until the sale ends.

“An Entire MBA in 1 Course”

Udemy

A former Goldman Sachs employee has taken the lessons he’s taught at universities in the past and condensed them into one course that he describes as “an entire MBA.” 

Students will learn about macro and micro economics, how to value companies, and the basics of how investment banks and management consulting firms work. In addition to the nuts and bolts, instructor Chris Haroun aims to teach his students about the importance of personal connections and professional presentation — how to identify and pitch venture capitalists and communicate your ideas clearly and concisely.

Price: $ 13 $ 200 [95% off]

Learn More >>

“Become a Web Developer from Scratch”

Udemy

This course is a great pick if you’re looking for an all-in-one entryway into web development. Instructor Victor Bastos starts with the essentials, explaining HTML and how to make a page of text out of code. From there, Bastos takes students through web technologies of all sorts that are necessary to create and manage web pages; the basics of both front-end languages such as JavaScript and back-end tools such as PHP and MySQL will also be taught.

Price: $ 13 $ 120 [92% off]

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“Complete Python Bootcamp”

Udemy

Python is one of the simpler coding languages to learn, as it places less of an emphasis on syntax than other languages. It can also serve as a stepping stone toward learning other languages, such as C++ and Javascript. By the end of the course, students should have a comfortable working knowledge of Python and the ability to apply it to developing applications.

Price: $ 13 $ 195 [95% off]

Learn More >>

See the rest of the story at Business Insider]]> Sun, 20 Nov 2016 11:02:00 -0500 Sun, 20 Nov 2016 11:02:18 -0500 http://www.businessinsider.com/udemy-online-course-black-friday-sale-10-dollars-deal-2016-11 http://www.businessinsider.com/udemy-online-course-black-friday-sale-10-dollars-deal-2016-11?utm_source=feedburner&amp;utm_medium=referral [email protected] (Alessia Grunberger) A former Goldman Sachs employee has taken the lessons he’s taught at universities in the past and condensed them into one course that he describes as “an entire MBA.” 

Students will learn about macro and micro economics, how to value companies, and the basics of how investment banks and management consulting firms work. In addition to the nuts and bolts, instructor Chris Haroun aims to teach his students about the importance of personal connections and professional presentation — how to identify and pitch venture capitalists and communicate your ideas clearly and concisely.

Price: $ 13 $ 200 [95% off]

Learn More >>

]]> This course is a great pick if you’re looking for an all-in-one entryway into web development. Instructor Victor Bastos starts with the essentials, explaining HTML and how to make a page of text out of code. From there, Bastos takes students through web technologies of all sorts that are necessary to create and manage web pages; the basics of both front-end languages such as JavaScript and back-end tools such as PHP and MySQL will also be taught.

Price: $ 13 $ 120 [92% off]

Learn More >>

]]> Python is one of the simpler coding languages to learn, as it places less of an emphasis on syntax than other languages. It can also serve as a stepping stone toward learning other languages, such as C++ and Javascript. By the end of the course, students should have a comfortable working knowledge of Python and the ability to apply it to developing applications.

Price: $ 13 $ 195 [95% off]

Learn More >>

]]> Writing is an essential skill regardless of your industry. Whether you’re an aspiring editor or simply want to add a little more nuance to the emails you send out every day, this course will teach you the tips and tricks used by professional writers to keep their work clear and concise.

Price: $ 13 $ 175 [94% off]

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]]> In many industries, creating a strong personal brand to showcase on social media is integral to catapulting your career forward. Instructor Gary Vaynerchuk is a three-time New York Times best-selling author and has his own media company, so you can bet his course is full of sage advice.

Price: $ 13 $ 100 [90% off]

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]]> Learn how to code real games step-by-step using Unity 3D. Even if you’ve never coded a line in your life, this course takes you through the process of getting a game from conception to completion. Instead of learning lengthy lectures on lines of code, you’ll learn by doing — and creating real indie games along the way. The perfect class for anyone who wants to make the next “Pokémon GO!”

Price: $ 13 $ 195 [95% off]

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]]> You instantly make yourself more marketable and valuable to employers if you know how to develop an app. Even if you have no prior experience, this comprehensive course will teach you how to work with Xcode 8 & Swift 3 and build 21 iOS apps. More than 25,000 students have already enrolled in the course, and it has an average rating of 4.7/5 stars.

Price: $ 13 $ 200 [95% off]

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]]> Understanding JavaScript could help land you a coveted job, or simply make you a more valuable employee at your current job. This course aims to take you “under the hood” of JavaScript and provide clarity to the aspects of the programming language that often cause issues, even for experienced coders.The course is taught by Anthony Alicea — a software developer, architect, and UX Designer — and it comes with tons of interactive material, including 85 lectures and more than 11 hours of video training. By the course’s end, you should understand the inner-workings of Javascript, know how to build your own Javascript framework or library, fully master key concepts, and much more.

Price: $ 13 $ 175 [94% off]

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]]> A great course for those who have been trying to fit more into their day. It teaches you a series of techniques — such as smart scheduling, multitasking, and automating regular activities — so you can do more in less time. The course is instructed by Jonathan Levi, an entrepreneur and lifehacker who started his first million-dollar business before he even started his undergraduate degree.

Price: $ 13 $ 95 [89% off]

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]]> Turn your photography hobby into a side business as a freelancer by learning advanced techniques in every aspect of the art, from shooting to editing. This course is designed for aspiring photographers of all experience levels, whether you fancy yourself an Instagram expert or have just started getting the hang of your Holga. Nearly 43,000 students have already enrolled in the course, and it has an average rating of 4.5/5 stars.

Price: $ 13 $ 200 [95% off]

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]]> It’s very difficult to land a lucrative job or climb the corporate ladder without efficiently networking, building a strong résumé and cover letter, and understanding the intricacies of the interview process. This course covers everything from preparing for the interview, to writing keyword-rich and targeted résumés, to even mastering the art of small talk.

Price: $ 13 $ 75 [87% off]

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]]> This course is designed to teach you how to replace your bad habits with healthier ones through cutting-edge neuroscience as well as some tried-and-true techniques. 

Price: $ 13 $ 150 [93% off]

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]]> Excel is probably the most powerful tool on your computer — if you know how to wield it. This course is for those with a basic understanding of the program who want to learn how to make spreadsheets do more of the legwork for them. Students will learn how to work with VBA, the coding language of Excel, which will allow them to create their own Macros and set up automations.

Price: $ 13 $ 80 [88% off]

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]]> Through the course, Seth Godin aims to help aspiring freelancers take control of their careers by helping them see the world the way their potential clients do. Students will learn how to make their work unique, develop their personal brand, find clients, and increase demand for their work. After completing the course, users should have the tools they need to get started seriously building out their resume as a freelancer and becoming, as Godin calls it, “a warrior without a king.”

Price: $ 13 $ 50 [80% off]

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]]> Alessia Grunberger Paul SingerReuters/ Steve Marcus

What should be done to help those whose jobs are made redundant by technology?

We just got our hands on a letter to investors from Elliott Associates, the nearly $ 30 billion hedge fund founded by Paul Singer, and it has some suggestions.

The letter says technology offers huge promise for the developing world; however, it says the benefits are less clear for the developed world. From the note:

“It is societies which already have a lot of infrastructure in place (mainly developed countries) where technology can seem to be strongly net negative for employment. The fast-food industry is a large employer in the developed world, and cost pressures compel corporations to look to technology for solutions. The unintended effects of the recent and prospective push in the US to mandate $ 15 per hour minimum wages may in fact provide momentum toward replacing waiters and cooks with machines and robots. Similarly, it is not the developing countries whose job landscapes will be significantly affected by self-driving trucks and taxis in 5 to 10 years. And so on.”

Elliott is far from the first to bring this topic up. We reported this weekend that the number of “middle skill” jobs in the developed world has cratered since 1990, with some lost to globalization and some lost to automation. It’s something Oaktree cofounder Howard Marks and Moelis & Company chief Ken Moelis have talked about. Viktor Shvets, a strategist at Macquarie, has called it the “third industrial revolution.”

Elliott’s letter is interesting, however, as it makes some recommendations. The letter says (emphasis added):

“Throughout the developed world and in many parts of the developing world, technological change is a top-priority jobs issue demanding smart, creative, comprehensive responses by governments and employers (as well as workers and unions). There is no single answer, but the direction of the answers should be toward rapid-response solutions which can train, upgrade, educate and relocate workers before their skills and motivation can deteriorate.”

It is not hard to find examples of areas that could benefit from this. There are plenty of single-industry towns on both sides of the Atlantic that either lost that industry or found it could be managed mostly by robots.

This feeds into politics. The pitch to these constituencies from politicians from both sides of the aisle has often been based around reopening the factories that shut down. “Train, upgrade, educate and relocate,” in Elliott’s language, is less catchy, but it could be an important step in helping those who feel that they’ve been left behind.

There are challenges of course. As Elliott notes, even if older professionals do retrain, they are often unfairly discounted by would-be employers. And embarking on reeducation and relocation later in life is a daunting task. Still, Elliott makes some good points about the need for better-organized “rapid-response solutions.”

Back to the letter:

“Unfortunately, while there are a myriad of job-training programs that purport to address the problem of the unemployed, there are few programs which are focused on technological obsolescence and aimed at comprehensive and rapid-response solutions to the combined elements of skills and geography. Reforms and creativity in this realm would be important not only in aiding the workers who are affected but also in creating the impression that governments can respond to real problems with clever and timely solutions.”

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]]> Sun, 20 Nov 2016 11:01:00 -0500 Fri, 18 Nov 2016 11:01:43 -0500 http://www.businessinsider.com/elliott-associates-on-technological-displacement-2016-11 http://www.businessinsider.com/elliott-associates-on-technological-displacement-2016-11 [email protected] (Business Insider) Business Insider

Who needs a semi-truck when you can just pull a tractor-trailer by yourself? Dutch manufacturers Verhagen Leiden B.V. let you do just that with their V-Move Trailer Mover XXL. It’s electric motor gives humans the power to move 20-ton trailers.

Follow Tech Insider: On Facebook

]]> Sun, 20 Nov 2016 11:00:00 -0500 Fri, 18 Nov 2016 18:04:47 -0500 http://www.businessinsider.com/electric-cart-humans-strength-pull-entire-tractor-trailor-2016-10 http://www.businessinsider.com/electric-cart-humans-strength-pull-entire-tractor-trailor-2016-10 [email protected] (Rob Ludacer) Rob Ludacer “Never Enough: Donald Trump and the Pursuit of Success” author Michael D’Antonio stopped by Business Insider to discuss his book on the life of the president-elect.We asked D’Antonio to talk about Trump’s decades-spanning relationship with World Wrestling Entertainment and the company’s CEO Vince McMahon. 

Follow BI Video: On Twitter

]]> Sun, 20 Nov 2016 11:00:00 -0500 Sun, 20 Nov 2016 10:26:29 -0500 http://www.businessinsider.com/donald-trump-wwe-vince-mcmahon-2016-11 http://www.businessinsider.com/donald-trump-wwe-vince-mcmahon-2016-11?utm_source=feedburner&amp;utm_medium=referral [email protected] (Graham Flanagan) Graham Flanagan BI Graphics_Ask a financial planner badge_3x4Mike Nudelman/Business Insider

Certified financial planner Eric Roberge answers:

My wife and I are in our early- to mid-30s, expecting a child next year, and are renting from her parents in order to save for hopefully our dream house. We have saved enough to put 20% down for our dream house and have been looking for over a year and a half. The albatross around our neck is my student loans. I am paying 5.5% interest and over $ 800 per month on them. The question we are debating is whether we cut into our savings to pay off the student loans? It would cut our savings by a little over a third of what we could put down now. Do you have any advice?

I love that you asked this question because it shows that you’re committed to doing what’s best for your future. The great news is that you’re in a good financial position. Not many people can say they have saved 20% toward their dream home, so take a moment to acknowledge yourself for accomplishing this.

Now, let’s focus on where to go from here. There are a few things you should consider before making a decision about how to best utilize that savings.

Flexibility in the housing market is a big advantage

Paying off your loans is never a bad idea, especially ones that come with a 5.5% interest rate. But you also need to consider the situation you create when you take this route.

You currently have the money for a 20% down payment on your dream home. What happens if you pay off the loans and that dream home that you’ve been searching for during the past 18 months shows up out of the blue? Are you still able to make the purchase, or would you have to pass on the opportunity until you built back your savings? If it’s the latter, how would that make you feel?

Having 20% of a home’s purchase price in cash to put down when you buy gives you some flexibility. You’re not required to put down the full amount. There are plenty of mortgage companies who will finance your purchase and offer you a mortgage with 15% or 10% down. Some will even allow you to put down as little as 5%. You might have to pay private mortgage insurance until you built up the 20% equity in the home, but this is an option. The challenge comes in when you look at the other factors.

The real estate market in many parts of the country is doing well. I can’t speak for your particular area, but competition is fierce here in Boston. It’s not uncommon for buyers to be competing with five other bidders when looking for a home. And this means that the seller gets to choose the best fit. In many cases, that ends up being the person who has the most cash to put down. If you have to get into a bidding war, having more cash than your competitor puts you in a better position.

That said, you also want to have additional savings set aside for closing costs and prepaid expenses on the purchase. These typically run from $ 5,000 to $ 10,000 on average. You want to keep money set aside for emergencies and additional expenses that may arise with the purchase, too, like home repairs and new furniture.

Cash flow

Aside from your ability to come up with the above savings, the other important question has to do with your cash flow. If you were to put 20% down on your dream home, could you afford the monthly payments for the mortgage and your student loans … and still have enough liquidity to afford childcare costs when the baby comes around?

If the answer is no, I recommend paying off the loans and then rebuilding your savings to buy that house. If the answer is yes, then I’d keep the 20% set aside for your down payment and use any additional savings to aggressively pay down the loans while you search for the home.

Emotions (both positive and negative) can run high when buying a home and having kids. Keeping a level head and a solid financial foundation ­­should be your number one priority.

Eric Roberge, CFP, is the founder of Beyond Your Hammock. He helps professionals in their 30s do more with their money and has shared his money tips with the Wall Street Journal, USA Today, CNBC, Forbes and MONEY Magazine. Get the BYH Newsletter today to learn how to make smart money decisions.

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]]> Sun, 20 Nov 2016 11:00:00 -0500 Fri, 18 Nov 2016 17:38:08 -0500 http://www.businessinsider.com/should-i-save-money-for-my-dream-house-or-pay-off-my-student-loans-2016-11 http://www.businessinsider.com/should-i-save-money-for-my-dream-house-or-pay-off-my-student-loans-2016-11?utm_source=feedburner&amp;utm_medium=referral [email protected] (Eric Roberge) Eric Roberge Bunker Fish Kill in the Shinnecock CanalHamptonWatercraft/YouTube

On Long Island, Hampton Bays and Southhampton residents woke up to a gruesome sight on Monday morning: thousands and thousands of dead fish, all clustered and floating in the Shinnecock Canal.

Before the canal locks were opened to let the bodies flow out, the dead menhaden (or bunker) fish were so tightly packed that you could barely see water in areas.

A combination of factors most likely contributed to the massive die-off. Christopher Gobler, who directs the marine science program at Stony Brook University, told The East Hampton Star that predators probably pushed a massive school of the creatures up into the canal. Sean O’Neill, of the nonprofit Peconic Baykeeper, told The Star that the supermoon probably created a massive tide, contributing to a flood of fish up the canal on Sunday night.

Then the canal locks closed.

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With the locks closed, the flow of water stopped. Thousands of fish would have been trapped, consuming all the available oxygen in the water until there wasn’t any left. With no water flow or photosynthesis at night, none of that oxygen would have been replenished.

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This is pretty disturbing…this was the Shinnecock canal this morning pic.twitter.com/02pvd8lCKy

That alone was probably enough to cause the die-off. Tests are still pending, but O’Neill said there didn’t appear to be any sort chemical problem or algal bloom, another phenomenon that can kill off marine life.

“I think it’s kind of just wrong place, wrong time,” he told The Star.

Sounds like a nightmarish “wrong place, wrong time” scenario.

(h/t Gizmodo)

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]]> Sun, 20 Nov 2016 11:00:00 -0500 Fri, 18 Nov 2016 17:35:56 -0500 http://www.businessinsider.com/thousands-dead-fish-new-york-shinnecock-canal-2016-11 http://www.businessinsider.com/thousands-dead-fish-new-york-shinnecock-canal-2016-11 [email protected] (Kevin Loria) Kevin Loria mannequinsFlickr/Bob Doran

For years, scientists have known that psychopaths’ brains are different from normal ones. Brain scans show reduced activity in areas that regulate impulses, emotions, aggression, and morality.

But since you probably don’t have brain scans at your disposal, there are some other ways to tell if you might be dealing with a real-life psychopath.

A new study examining existing literature on psychopaths discovered that they may be detected through subtle differences in the way they hold conversations.

Here are nine specific communication patterns psychopaths use:

1. They speak in the past tense

Psychopaths use more past-tense verbs than other people. When talking about an event happening right now, most of us would say, “I think this is a good idea.” A psychopath might be more likely to say, “I thought that was a good idea.” Researchers suspect this is because they are detached from their behavior and their environment.

2. Their body language is convincing

Psychopaths lie to make themselves look good. But their nonverbal behavior is often so convincing — and distracting — that people don’t recognize they’re being deceitful. In the police interview with murderer and rapist Paul Bernadino, FBI agents noticed he used powerful hand gestures to distract from his spoken lies.

3. Their language lacks emotional dimension

For psychopaths, saying, “I love you,” doesn’t stir up any more emotion than saying, “Please pass the milk.” They can parrot back what they’ve heard other people say but their facial expressions don’t match their words. Their ability to verbalize feelings is most likely a learned behavior, as opposed to a genuine emotional experience.

4. They sound charming

Researchers have found that psychopaths talk more and use more emotional words in an attempt to gain attention and admiration. Psychopaths are really good at saying just the right thing at the right time. They know how to play on other people’s emotions and they’re master manipulators.

5. They speak slowly and quietly

Studies show psychopaths usually speak in a controlled manner. They don’t emphasize emotional words like other people do. Their tone remains fairly neutral throughout the conversation. Researchers suspect they craft a calm demeanor intentionally because it helps them gain more control in their personal interactions.

6. They talk about life in terms of cause and effect

Psychopaths — especially those who commit crimes — talk about their behavior in terms of cause and effect. For example, one might say, “I had to teach him a lesson.” Rather than show remorse, a psychopath is likely to justify his actions.

7. They focus their attention on their basic needs

Rather than talk about spiritual or emotional needs or the needs of others, psychopaths are more likely to talk about their own basic needs, like food and shelter. A psychopath who confesses to a murder, for example, is more likely to spend the bulk of his time talking about what he ate for lunch and what he hoped to gain financially, rather than how his behavior affected other people.

8. They say “um” more often

Psychopaths are more likely to use filler words and sounds, like “uh” and “um.” While many people use such sounds to avoid an awkward silence, researchers suspect psychopaths use them in an effort to appear sane.

9. They’re great storytellers

Whether a psychopath claims she rescued kittens from a burning building or says she was the only one at her last job who was willing to stand up to management, psychopaths tell rich stories about themselves. While some stories are likely to paint them as victims, the bulk of their stories are likely to portray them as heroes. All of their stories stem from their desire to gain trust and manipulate their listeners.

How likely are you to talk to a psychopath?

Before you start declaring everyone around is a psychopath, know that only about one in 100 people is likely to be one — unless you’re talking to people in prison. Some experts estimate up to 25% of prison inmates may be psychopaths.

If you encounter a psychopath, don’t panic. Most of them aren’t serial killers. In fact, some of them are successful CEOs and business leaders. But knowing whom you are dealing with can prevent you from being manipulated.

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]]> Sun, 20 Nov 2016 11:00:00 -0500 Fri, 18 Nov 2016 16:25:52 -0500 http://www.businessinsider.com/9-subtle-tips-that-youre-working-with-a-psychopath-2016-11 http://www.businessinsider.com/9-subtle-tips-that-youre-working-with-a-psychopath-2016-11 NEW YORK — Google just opened its first retail store, just a few short blocks from one of New York City’s many Apple stores.

But it’s not the usual retail experience: It’s a pop-up store, intended to showcase the range of new “Made by Google” products. That’s everything from the just-released Google Pixel phone to its Amazon Echo competitor, Google Home (to say nothing of all the other stuff).

The store officially opened on Thursday, October 20. Ahead of that, Google offered Business Insider an early peek at what customers can expect. Here’s what we saw!

The Google pop-up store is at 96 Spring St. in beautiful downtown Manhattan.

Ben Gilbert / Business Insider

The first thing you’ll notice when you walk in is this massive wooden fountain of light.

Ben Gilbert / Business Insider

And this gigantic wall of colored blocks. (Its design changes every now and again.)

Ben Gilbert / Business Insider

See the rest of the story at Business Insider]]> Sun, 20 Nov 2016 11:00:00 -0500 Fri, 18 Nov 2016 14:52:34 -0500 http://www.businessinsider.com/google-nyc-store-photos-2016-11 http://www.businessinsider.com/google-nyc-store-photos-2016-11?utm_source=feedburner&amp;utm_medium=referral [email protected] (Ben Gilbert) Ben Gilbert Fiber optic cables carrying internet providers are seen running into a server room at Intergate.Manhattan, a data center owned and developed by Sabey Data Center Properties, during a tour of the facility in lower Manhattan, in New York, March 20, 2013. REUTERS/Mike Segar Thomson Reuters

After the initial shock-and-awe reaction to the surprise Trump victory, the markets rejoiced last week… a lot.

“The Dow closed at an all-time high on Thursday, while the S&P and the Nasdaq were flirting with their record highs entering Friday,” reported CNBC.

Others were less thrilled with the election result. Some experts claimed Trump’s plans to raise tariffs on China, withdraw from NAFTA, and otherwise stop globalization in its tracks would surely set off a trade war and hurt the markets.

I disagree.

I think Trump can’t start a trade war because we are already in one. It’s been going on for years, right under our noses… and it’s happening in cyberspace.

US data collection hurt tech giants

Thanks to Edward Snowden, we learned in 2013 that US intelligence agencies were gathering massive amounts of data from both Americans and foreigners.

To make sure no terrorist was left behind, then-NSA Director Gen. Keith Alexander employed a simple strategy: “Collect it all.

Like it or not, Microsoft (MSFT), Google (GOOGL), and Yahoo (YHOO) must comply with the US government’s orders, which means giving them your data equals letting Washington read your e-mail.

That didn’t go over well with foreign governments and customers of the “Big Three.” We don’t know if the NSA’s data intrusion stopped any terrorists—but we do know that it’s taught the rest of the world not to trust US technology firms.

The result: Today, we see “data localization” laws requiring businesses to keep customer data inside a country’s borders. These are simply trade tariffs in disguise because they impose costs on moving data across national borders.

That’s a real problem when you want to store data centrally so it’s accessible anywhere, anytime… which is the whole point of cloud technology.

The European Union, for instance, is “harmonizing” the way businesses store personal data with a new General Data Protection Regulation. To comply, the tech industry must rebuild its infrastructure, which makes cross-border data transfer more expensive—much like a tariff would.

Earlier this year, Internet Association president Michael Beckerman told a congressional panel, “Forced localization is nothing more than protectionism, really. It hurts trade and investment.  The way the Internet works is a free flow of information across borders, not requiring companies to build data centers.”

I guess the last sentence is wishful thinking at this point, because that’s probably not what the future of data transfer looks like.

Russia’s data localization laws restrict US business

Russia's President Vladimir Putin holds a glass during a ceremony of receiving diplomatic credentials from foreign ambassadors at the Kremlin in Moscow, Russia, November 9, 2016. REUTERS/Sergei Karpukhin  Thomson ReutersAnother piece of evidence that data localization laws can have teeth: Last week, a Russian court ruled that business social network LinkedIn (LNKD) could be banned because it stored Russian citizens’ data outside the country.

Experts see this as a warning to other social networks like Facebook (FB) and Twitter (TWTR), which also operate in Russia.

LinkedIn is being acquired by Microsoft, which has other issues with Russia. The country’s Federal Anti-Monopoly Service says Microsoft isn’t giving Russian anti-virus companies like Kaspersky fair notice about security changes in the Windows operating system.

Is Moscow protecting its people from harm, protecting Russian companies from competition, or is this something else?

I don’t know, but it doesn’t really matter. The whole point of a social network is to network. It’s much less useful if you can’t reach people in other countries.

That makes the company itself less valuable—another hidden trade tariff.

Hardware companies also got hit

The equipment that moves and processes US data is hitting border checks, too.

In 2014, journalist Glenn Greenwald set off Silicon Valley alarm bells with some photos from Snowden’s NSA data trove. Taken from a 2010 NSA internal newsletter, the images showed NSA workers intercepting product shipments of networking giant Cisco (CSCO). They opened the boxes, implanted spyware, and then sent them on to customers. No one ever knew a thing.

Cisco executives freaked out. CEO John Chambers fired off a letter to President Obama, saying:

We simply cannot operate this way; our customers trust us to be able to deliver to their doorsteps products that meet the highest standards of integrity and security… We understand the real and significant threats that exist in this world, but we must also respect the industry’s relationship of trust with our customers.

It was a nice try, but too late. Instead of respecting Cisco’s hard-won customer loyalty, the US government exploited it without even asking permission—and sure enough, Cisco’s sales to emerging-market countries plunged that quarter.

It got worse, too.

A few months later, Chinese authorities ordered government agencies, banks, and state-owned enterprises to begin purging foreign computer gear and replace it with Chinese-made alternatives.

More recently, China has been demanding foreign companies accept “security reviews” that critics say are just attempts to swipe US technology for Chinese firms.

Washington has its own national security review process for foreign companies that want to buy US assets. It has blocked transactions with Chinese tech companies like Huawei, which of course cried foul.

What is all this if not a secret trade war?

Technology buyers increasingly react to these hassles and fears by preferring locally made equipment, even when their governments don’t force them to. That’s bad news if you are a tech company with global aspirations.

Trump wants to weaken encryption

While President Trump probably can’t solve these problems, he could potentially make them worse.

For example, he’s been talking about forcing Apple (AAPL) to start making its iPhones in US factories. He also said the government should make Apple decrypt a phone belonging to the dead San Bernardino terrorists.

Trump ally Sen. Richard Burr (R-NC), who just won reelection, tried last year to pass a bill that would have forced US tech companies to give the government “backdoor” access to encrypted memory. It will likely pass if he tries again this year.

The tech industry fiercely opposes weakening encryption, arguing it makes everyone’s data vulnerable to hackers and give foreign buyers another reason to avoid US products.

American tech companies dominate the world because their products work anywhere and anyone can use them. The developing cyber trade war gives a leg up to foreign competitors.

If you own any tech stocks whose growth plans include customers outside the US, you might want to review their valuation.

Don’t assume borders will always be as open to trade as they are now. The gates are closing fast.

Subscribe to Connecting the Dots—and Get a Glimpse of the Future

We live in an era of rapid change… and only those who see and understand the shifting market, economic, and political trends can make wise investment decisions. Macroeconomic forecaster Patrick Watson spots the trends and spells what they mean every week in the free e-letter, Connecting the Dots. Subscribe now for his seasoned insight into the surprising forces driving global markets.

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]]> Sun, 20 Nov 2016 10:54:00 -0500 Fri, 18 Nov 2016 15:23:22 -0500 http://www.businessinsider.com/tech-trade-war-after-nsa-revelations-2016-11 http://www.businessinsider.com/tech-trade-war-after-nsa-revelations-2016-11?utm_source=feedburner&amp;utm_medium=referral .

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]]> Sun, 20 Nov 2016 10:43:14 -0500 Sun, 20 Nov 2016 10:43:25 -0500 http://www.businessinsider.com/acura-nsx-review-2016-11 http://www.businessinsider.com/acura-nsx-review-2016-11 [email protected] (Matthew DeBord) Matthew DeBord angela merkelGetty

BERLIN, Nov 20 (Reuters) – Angela Merkel told top members of her party on Sunday that she wants to run for a fourth term as German chancellor in next year’s election, senior party sources told Reuters, after months of speculation about one of the world’s most powerful women.

Despite a voter backlash over her open-door migrant policy, the conservative is seen as a stabilising force in Europe amid uncertainty caused by Britain’s vote to leave the European Union and the election of Donald Trump as the next U.S. president.

Merkel told leading figures in her Christian Democrat (CDU) party about her intentions at a meeting to prepare for the September election, several participants said.

Colleagues welcomed the long-awaited decision, which she is expected to announce at a news conference at 1800 GMT.

“Angela Merkel stands for stability, reliability and thoughtfulness,” said senior CDU politician Julia Kloeckner.

“With her straightforward and calm nature she had led us safely through the financial and economic crises,” she told the Rheinische Post newspaper.

Some 55 percent of Germans want Merkel, Germany’s eighth chancellor since World War Two, to serve a fourth term, with 39 percent against, an Emnid poll showed on Sunday, highlighting that despite setbacks, she is still an electoral asset.

Merkel, 62, has steered Europe’s biggest economy through the euro zone debt crisis and has won respect internationally, for example with her efforts to help solve the Ukraine crisis. U.S. President Barack Obama last week described her as an “outstanding” ally.

obama merkelGetty

With Trump’s victory in the United States and the rise in support for right-wing parties in Europe, some commentators see Merkel as a bastion of Western liberal values.

However, her decision last year to open Germany’s borders to around 900,000 migrants, mostly from war zones in the Middle East, angered many voters at home and dented her ratings.

Her party has slumped in regional elections in the last year while support for the anti-immigrant Alternative for Germany (AfD) has swelled.

Humbled

In September, after a heavy defeat for the CDU in a Berlin state election, a humbled Merkel surprised the country by saying she wished she could turn the clock back on the migrant crisis, though she stopped short of saying her policy was a mistake.

An Emnid poll on Sunday put Merkel’s conservative bloc down one point at 33 percent, nine points ahead of her nearest rivals, the Social Democrats (SPD), with whom she shares power.

In a system where coalition governments are the norm, many pollsters see another ‘grand coalition’ as the most likely option after the election, although the rise of the AfD makes coalition arithmetic more complicated.

The SPD has not decided whether its chairman Sigmar Gabriel, Vice Chancellor and Economy Minister, will run against Merkel.

One of the SPD’s deputy leaders, Ralf Stegner, said it would be a mistake to underestimate Merkel but that the “myth of invincibility” was over.

Angela MerkelGetty

Merkel, who grew up in Communist East Germany, is a physicist who only became involved in politics after the fall of the Berlin Wall in 1989. She is seen as a talented negotiator but has also shown a ruthless streak.

A Protestant woman in a mainly Catholic and male-dominated party, at least when she became its leader in 2000, Merkel never built up a regional power base but over the years she has sidelined her main male rivals and has no obvious successor.

She still requires the backing of her Christian Social Union (CSU) allies in Bavaria, who have fiercely criticised her open-door migrant policy but, with no obvious candidate of their own, are widely expected to fall in behind her.

Germany has no limit on the number of terms a chancellor can serve. By standing again, Merkel could end up matching the 16 years in office of her former mentor, Helmut Kohl. It was Merkel herself who broke with Kohl and told her party in 1999, in the midst of a funding scandal, that it should move on without him.

If she wins a fourth term, it is unclear whether she would serve a full four years. She has said in the past she wants to find the right time to leave politics, and not stay too long.

(Additional reporting by Thorsten Severin; Editing by Stephen Powell and Philippa Fletcher)

NOW WATCH: Here’s how Donald Trump can function on barely any sleep — and why you shouldn’t copy him

]]> Sun, 20 Nov 2016 10:36:54 -0500 Sun, 20 Nov 2016 10:36:57 -0500 http://www.businessinsider.com/sources-angela-merkel-will-seek-a-fourth-term-as-chancellor-of-germany-2016-11 http://www.businessinsider.com/sources-angela-merkel-will-seek-a-fourth-term-as-chancellor-of-germany-2016-11?utm_source=feedburner&amp;utm_medium=referral the wolf of wall street paramount picturesParamount Pictures

Sales is a tough job.

But when it’s done right, it can make you rich.

We took a look at Salesforce’s latest annual State of Sales report and a separate survey of 280 salespeople to find out what the best performing salespeople and teams do in common to sell more and make tons of money.

Here’s what we found:

Sales has become more important across all companies over the past five years.

Salesforce

It’s partly because more buyers are finding it “absolutely critical” to have sales reps who are personally engaging before signing a deal.

Salesforce

Unfortunately, most sales reps aren’t spending most of their time selling.

Salesforce

See the rest of the story at Business Insider]]> Sun, 20 Nov 2016 10:30:00 -0500 Fri, 18 Nov 2016 17:47:41 -0500 http://www.businessinsider.com/what-best-salespeople-do-to-close-more-deals-2016-11 http://www.businessinsider.com/what-best-salespeople-do-to-close-more-deals-2016-11?utm_source=feedburner&amp;utm_medium=referral [email protected] (Eugene Kim) Eugene Kim RAW Embed

Ever notice those tiny copper buttons all over your jeans and wonder what they are for? Turns out, they might be more necessary than you think.

Follow TI: On Facebook

]]> Sun, 20 Nov 2016 10:30:00 -0500 Fri, 18 Nov 2016 18:00:13 -0500 http://www.businessinsider.com/tiny-buttons-rivets-jeans-2016-11 http://www.businessinsider.com/tiny-buttons-rivets-jeans-2016-11 [email protected] (Keegan Larwin) Keegan Larwin A man looking boredTravis Isaacs/flickr

If Tim Pychyl has dedicated his academic career to one principle, it’s that procrastination goes way deeper than time management.

In fact, he thinks of it more as a coping mechanism than anything else.

Pychyl is an associate professor of psychology at Carleton University. He’s spent more than two decades studying how and why people put off important tasks. Through his research, Pychyl has learned who’s most likely to procrastinate, in what contexts, and, most importantly, how to kick the habit for good.

“First, you have to recognize it’s about feeling good in the short term,” Pychyl tells Business Insider.

Contrary to popular belief, procrastinators aren’t simply weak-willed or bad at managing their time. Pychyl’s research suggests they actually just want to avoid feeling bad. They don’t want to confront the emotions that come with the burdensome task ahead.

“That’s the place you have to start conceptually,” he says. So if you’re facing the prospect of cleaning a messy room or writing a college paper, ask yourself why you don’t want to do it right now. Maybe it’s the dread of chores or a fear of failure that’s keeping you from starting.

But that’s the key, he adds. All you need to do is start. Since you can’t knock out large tasks all at once, Pychyl says the most helpful way to approach cleaning that room or writing the paper is to determine your first action. Pick up one sock. Open a blank Word document. This makes the task seem more real. When you pin down the first step, you turn a hypothetical chore into a concrete process.

“And when we make an action concrete,” Pychyl says, “we believe that action now belongs to the present and has a sense of urgency.”

There are times, however, when you realize you’ve been putting something off but can’t work on it immediately. That’s dangerous if you’re a procrastinator, since “sometime next weekend” can easily become a mantra you repeat for weeks on end. Pychyl says the remedy is simple: Get specific.

Tell yourself, “At 10 a.m. I’ll start picking clothes up off the floor,” or “I’ll begin outlining the paper at 6:30 p.m.”

“You set a stimulus for action into the environment,” Pychyl says. You make the switch from thinking about your goals to thinking about your plans to make them reality. That small shift lets you wipe out ambiguity about how you’ll spend your time.

The final piece of advice Pychyl offers is to recognize that progress fuels well-being.

Even tiny steps build momentum that keeps you engaged in a task, he says. Before you start, there might just be a dirty sock on the floor. But once you commit to an action, that sock becomes a tangible, crucial part of a journey toward a clean room.

NOW WATCH: The key to work-life balance could be working on the weekends

]]> Sun, 20 Nov 2016 10:21:00 -0500 Fri, 18 Nov 2016 15:07:54 -0500 http://www.businessinsider.com/how-to-stop-procrastinating-2016-11 http://www.businessinsider.com/how-to-stop-procrastinating-2016-11?utm_source=feedburner&amp;utm_medium=referral [email protected] (Chris Weller) Chris Weller In July, The Air Force conducted a training exercise in which it dropped eight armored Humvee vehicles over Fort Bragg in North Carolina.

It was conducted by US airmen from the 16th Airlift Squadron at Joint Base Charleston in South Carolina as part of Operation Crescent, which is an annual training exercise designed to test the Air Force’s ability to mobilize quickly in response to a crisis.

Follow BI Video: On Twitter

]]> Sun, 20 Nov 2016 10:21:00 -0500 Sun, 20 Nov 2016 10:12:12 -0500 http://www.businessinsider.com/air-force-plane-drops-armored-humvees-5000-feet-2016-11 http://www.businessinsider.com/air-force-plane-drops-armored-humvees-5000-feet-2016-11?utm_source=feedburner&amp;utm_medium=referral [email protected] (Graham Flanagan) Graham Flanagan maharishi mahesh yogiAP

There was an utter media frenzy over The Beatles’ journey to the Indian Himalayas in February 1968 to meet with their guru, Maharishi Mahesh Yogi.

Several months prior, he had given each of them a mantra and taught them his technique known as Transcendental Meditation (TM).

As the world’s biggest band went through a spiritual journey, the public watched every move, and for millions of Americans and Europeans, this was the first time they heard words like “karma,” “guru,” or “yoga,” and the first time they saw Eastern meditation.

One of the people watching The Beatles was Ray Dalio, who would go on to found the world’s largest hedge fund, Bridgewater Associates. Dalio, who was in college at the time, decided to try the technique in 1969. Because he had found its effects to be profoundly positive, he explained in Dr. Norman Rosenthal’s 2011 book on TM, “Transcendence,” he has meditated daily without fail. He would also go on to become the biggest proponent of TM on Wall Street, where it has taken off in the past few years.

The practice of TM is quite simple. It has entered a new wave of mainstream popularity, where doctors are prescribing it to their patients to lower blood pressure and stress levels — as approved by the American Heart Association — and investors are recommending it to each other to gain an edge.

It’s due to a variety of factors: the scientific validation of TM, the mainstreaming of meditation in general, and the networking effect spreading across influential people. But, as Philip Goldberg argues in his 2012 book “American Veda,” all of this dates back to The Beatles and Maharishi Mahesh Yogi. After their ’68 meeting, he writes, “Our understanding and practice of spirituality would never be the same.”

TM can seem mysterious, and even cult-like to casual observers. To get a better idea of what it actually entails, I spent the past two months digging into its history and its ancient roots. I learned the practice in September at the David Lynch Foundation, a nonprofit cofounded by the film director in 2005 that teaches the technique for free to disadvantaged middle school and high school students, veterans with PTSD, and victims of domestic abuse. For the rest of us, instruction costs $ 960, but the foundation was willing to waive the fee. I have continued to practice it daily.

maharishi mahesh yogiAP

The Maharishi’s mission

In my four days of introductory TM training, I watched a couple videos of Maharishi — a title meaning “great seer” often used for shorthand when referring to him— and learned that he based his technique on ancient Vedic knowledge.

Born in India as Mahesh Prasad Varma in 1918, he renounced his name and familial ties in typical Hindu monk fashion after graduating from Allahabad University in 1942 with a physics degree and traveling to Jyothir Math in the Indian Himalayas to study under and serve Swami Brahmananda Saraswati, the man he reverentially called Guru Dev.

Saraswati was the exalted leader of the city’s monastery. When Maharishi spread TM, he made it clear that although he and his guru were Hindu monks, his practice was not tied to the Hindu faith.

I discussed this dynamic with Suhag Shukla, executive director of the Hindu American Foundation.

She pointed out that Hinduism is a word for a very broad set of beliefs with many different schools, and that it is not a dogmatic or proselytizing religion. And while she and her organization would prefer for millions of non-Hindu Americans to better acknowledge and appreciate the Hindu roots of many of their meditation and yoga practices, she clarified that when the Maharishi set out to spread a secularized version of something he learned as a Hindu, he wasn’t necessarily compromising its effectiveness or being disingenuous about his motives.

Under Guru Dev, the Maharishi studied the Upanishads, the segments of the four ancient Sanskrit books of scripture known as the Vedas that focus on the self and its relationship to God. In Vedic traditions generally collected under the umbrella of Hinduism, there is one God; the many deities you may be familiar with, like Krishna, are, to put it simply, different manifestations of this one God.

In “The Bhagavad Gita,” the ancient book that the Maharishi also studied, Krishna, representing the Supreme Being, says of meditation, “Wherever the mind wanders, restless and diffuse in its search for satisfaction without, lead it within; train it to rest in the Self. Abiding joy comes to those who still the mind. Freeing themselves from the taint of self-will, with their consciousness unified, they become one with Brahman [God].”

This idea of looking into one’s self to achieve peace and connect with the unity of existence is still present in TM, albeit in scientific terms.

Guru Dev and Maharishi developed a close bond, but Guru Dev could not name Maharishi as his successor before he died because Maharishi was not born into the brahmin caste. He did, however, entrust Maharishi with the mission of spreading the practice of meditation. He was not to spread anything religious, but to create a more peaceful world. This came at a time in the 20th century when Indians were starting to gradually migrate west in greater numbers, and several gurus — including one of Steve Jobs’ favorite spiritual writers, Paramhansa Yogananda — decided to share Indian philosophical traditions with a wider audience.

Maharishi took the meditation practice he learned from his teacher, called it Transcendental Deep Meditation (later shortened), and went on a tour that started in India in 1955 and went international in 1958.

He immediately began connecting with academics to study the potential health benefits of TM. Over the course of the past 50 years, there has been a wealth of peer-reviewed studies, many funded by the National Institutes of Health, that determine TM allows its practitioner to enter a state of “restful alertness” that lowers stress-inducing hormones, which in turn lowers blood pressure and decreases the propensity for anxiety.

The push to the mainstream

David Lynch Foundation director Bob Roth knew the Maharishi, who died in 2008, for many years and said that he was a man well-versed in both science and other global religions. It gave him the ability to naturally, and genuinely, adapt his message about the benefits of TM to whomever he was speaking to, whether they were Hindu, Jewish, Muslim, or atheist. And while Maharishi writes, as he does in his book “Science of Being and Art of Living” for example, using the spiritual vocabulary he was familiar with (with concepts like karma and “God consciousness”), he insisted on keeping TM non-denominational, with no requirement beyond learning the technique.

guru dev transcendental meditationAPRoth was adamant about this point, to avoid having TM misconstrued as a religion in disguise. He noted as examples that he is Jewish, that my teacher Mario Orsatti is Catholic, and that the head of the TM organization — which is different from the DLF and which I’ll get to in a moment — Tony Nader, is a Lebanese Christian.

That’s not to say, however, that TM has always been accepted and understood. For example, a New Jersey state judge in 1979 ruled that it could not be taught in public schools because it was a religion, citing the puja ritual in the introductory lesson and its founding on ancient spirituality as proof.

The puja, which every TM teacher performs before that student’s first lesson, is a tradition Hindus perform to show respect to their guru. In TM’s case, the puja is performed to Guru Dev, an act that the Maharishi did not consider to be compromising to his practice’s secularity, and an act of acknowledgement to his teacher that he believed essential to passing on his technique.

When Maharishi was entering the last stage of his life, he decided to consolidate his TM organization so that it could continue to spread meditation around the world without him. Founded in 2000, he named it the Global Country of World Peace — this is the organization Tony Nader oversees — and appointed “rajas” to oversee the spread of TM in different parts of the world.

Along with this title, derived from India’s political rather than spiritual history, he also decided they would be dressed in symbolic white robes and golden crowns for ceremonial gatherings. If you look at any of the TM conspiracy websites out there, you’ll always find these pictures. At one point in 2007, this costume choice led to a disastrous, publicized speech where Germany’s raja was viciously booed offstage after repeatedly proclaiming that Germany would be “invincible” (a term Maharishi used in a spiritual sense to refer to a collective state of enlightenment) but that, in his poor presentation, made it sound like he was calling for the revival of the Third Reich.

“American Veda” author Philip Goldberg was a TM teacher from 1970-1977, and he said that even though he learned of Maharishi’s decision to go with the costume choice many years after he stopped teaching TM, he was “shocked,” and knew many fellow TM practitioners who agreed.

I brought this concern to Roth, telling him outright that it did indeed look cult-like. He said he fully understands that position, but he wanted to clarify that the costumes are used on rare occasions, and are not religious. He compared it to the use of strange-looking robes in graduation ceremonies.

David Lynch Foundation  2869 2APOver these past two months, I’ve spent several hours talking candidly about TM and its history with Roth and Orsatti.

Roth told me that he’s seen all of the negative as well as positive coverage of TM over the years, and he thinks that with everything out there, people can see past attacks and take the actual technique of TM for what it is: a simple and effective form of stress relief.

As Orsatti told me: If practitioners want to implement meditation the same way the Maharishi did, into their spiritual lives, they can; if they do not believe in God or want to keep meditation separate from their spiritual beliefs, that works too. If they want to actively participate in the David Lynch Foundation’s philanthropy or the TM organizations mission of spreading the practice to those who’d like to learn it, the option is open to them; if they want to learn the technique to add a productivity tool to their arsenal, that’s great.

Despite all of his secondary ventures, including his university and his network of “rajas,” the Maharishi’s primary goal was to spread a technique that Indians had used for millennia as a way to be more at peace with the world, stripped of any baggage that came with it.

“I think where we are today is where Maharishi always wanted it to be — which is science-based, and evidence-based, and fits in with medicine and mainstream wellness programs,” Roth said.

NOW WATCH: RICHARD BRANSON: We’ve just ‘got to give Donald Trump and his team three months, six months’

]]> Sun, 20 Nov 2016 10:20:00 -0500 Fri, 18 Nov 2016 10:51:52 -0500 http://www.businessinsider.com/history-of-transcendental-meditation-2016-11 http://www.businessinsider.com/history-of-transcendental-meditation-2016-11 [email protected] (Business Insider) Business Insider Jabrill PeppersGregory Shamus/Getty

We’re a little more than halfway through the NFL season and already it’s time to start thinking about the 2017 NFL Draft. 

For one thing, there are at least a handful of teams looking long and hard at the top college players, hoping that a quarterback or defensive player could turn around their franchise. 

But it’s also time to start thinking about the NFL Draft because we’re rolling into the final stretch of the college football season, and inevitably a lot of the top NFL draft picks are leading their schools to conference title games, bowl games, and College Football Playoff games. 

We came up with an early consensus list of the 32 best players in the 2017 draft using the big boards of five NFL experts. You’ll notice that the experts are still torn — some players in the top 32 only made the first round in one draft, but were so high in that draft that it averaged them into the first round. 

Our experts are Todd McShay and Mel Kiper Jr. of ESPN, Rob Rang of CBS Sports, Matt Miller of Bleacher Report, and Steve Palazzolo of Pro Football Focus.

As seems to be the case every year, Alabama has the most NFL prospects. This year, Michigan and Clemson are well-represented, too. 

1. Leonard Fournette (RB, LSU)

Samantha Baker/AP

Average Rank: 1.6

Top 32s*: 5 of 5

Highest Rank: 1

One thing to know: Fournette entered the season with so much Heisman hype that it’s been almost impossible for him to live up to it. He won’t win the Heisman this year, but he is still averaging close to 7 yards per carry this season and is as physical a rusher as you’ll find in college. 

* Experts with this player in the first round.

2. Myles Garrett (DE, Texas A&M)

Butch Dill/Getty

Average Rank: 2.6

Top 32s: 5 of 5

Highest Rank: 2 

One thing to know: Garrett, who owns the SEC freshman record for sacks, is not the only athlete in his family. His brother, Sean Williams, was a basketball standout at Boston College and played in the NBA from 2007-2010. His older sister, Brea Garrett, is a senior at A&M and holds the NCAA record in the track & field weight throw. 

3. Jonathan Allen (DE, Alabama)

Roger Steinman/AP

Average Rank: 3.6

Top 32s: 5 of 5

Highest Rank: 1

One thing to know: Allen has drawn comparisons to Eagles’ DE Fletcher Cox. 

See the rest of the story at Business Insider]]> Sun, 20 Nov 2016 10:13:00 -0500 Sun, 20 Nov 2016 10:13:42 -0500 http://www.businessinsider.com/ranking-the-top-32-nfl-draft-prospects-2016-11 http://www.businessinsider.com/ranking-the-top-32-nfl-draft-prospects-2016-11 [email protected] (Emmett Knowlton) Average Rank: 1.6

Top 32s*: 5 of 5

Highest Rank: 1

One thing to know: Fournette entered the season with so much Heisman hype that it’s been almost impossible for him to live up to it. He won’t win the Heisman this year, but he is still averaging close to 7 yards per carry this season and is as physical a rusher as you’ll find in college. 

* Experts with this player in the first round.

]]> Average Rank: 2.6

Top 32s: 5 of 5

Highest Rank: 2 

One thing to know: Garrett, who owns the SEC freshman record for sacks, is not the only athlete in his family. His brother, Sean Williams, was a basketball standout at Boston College and played in the NBA from 2007-2010. His older sister, Brea Garrett, is a senior at A&M and holds the NCAA record in the track & field weight throw. 

]]> Average Rank: 3.6

Top 32s: 5 of 5

Highest Rank: 1

One thing to know: Allen has drawn comparisons to Eagles’ DE Fletcher Cox. 

]]> Average Rank: 6.6

Top 32s: 5 of 5

Highest Rank: 3

One thing to know: Peppers does just about everything for Michigan. On defense he plays safety and linebacker, on offense he rushes the ball and occasionally throws it as a wildcat quarterback, and he returns punts. 

]]> Average Rank: 8.8

Top 32s: 5 of 5

Highest Rank: 5

One thing to know: McDowell is a projected top-10 pick, but at least one anonymous scout has questioned his “football character” for not playing through fatigue. 

]]> Average Rank: 9.6

Top 32s: 5 of 5

Highest Rank: 4

One thing to know: A safety hasn’t been a top-10 pick since 2012, but one NFL exec loves what he sees in Adams. 

]]> Average Rank: 9.6

Top 32s: 5 of 5

Highest Rank: 8 

One thing to know: Fields transferred to Louisville from TCU, and is arguably the best linebacker in the ACC as the Cardinals push for a playoff spot. 

]]> Average Rank: 11.2

Top 32s: 5 of 5

Highest Rank: 3

One thing to know: Foster has a minor hand injury that could keep him out of some of Alabama’s final games, but he should be fine in time for the College Football Playoff (assuming, pretty safely, that ‘Bama makes it). 

]]> Average Rank: 11.4

Top 32s: 5 of 5

Highest Rank:  7

One thing to know: Cook is on the cusp of becoming Florida State’s all-time leading rusher, and one of four running backs in the state of Florida to rush for 4,000 yards in college.

]]> Average Rank: 12

Top 32s: 5 of 5

Highest Rank: 6

One thing to know: To give you a sense of Smoot’s athleticism, the Illini senior is 6-foot-2, 225 pounds, and ran hurdles in high school. 

]]> Average Rank: 14

Top 32s: 5 of 5

Highest Rank: 8

One thing to know: Williams was arrested in late September and charged with carrying a pistol without a permit. He was subsequently suspended for a half against Kentucky, which he said was a wake-up call.

]]> Average Rank: 20

Top 32s: 4 of 5

Highest Rank: 9 

One thing to know: Barnett’s 30 career sacks are the most among active FBS players, and he is closing in on becoming Tennessee’s all-time leader in sacks. 

]]> Average Rank: 20

Top 32s: 3 of 5

Highest Rank: 6 

One thing to know: Harris has drawn many comparisons to Ryan Kerrigan.

]]> Average Rank: 21.8

Top 32s: 5 of 5

Highest Rank: 13 

One thing to know: Williams has the perfect NFL blend of size and speed. But the red flag is a broken bone in his next last season. But he has rebounded with nearly 1,000 yards receiving and 6 touchdowns in ten games this season. 

]]> Average Rank: 21.2

Top 32s: 5 of 5

Highest Rank: 12

One thing to know: Davis may be undersized at 6-foot-2, but his strength makes him one of the top linebackers in the country.

]]> Average Rank: 21.2

Top 32s: 3 of 5

Highest Rank: 8

One thing to know: Brantley is a run stopper with great hands, but might not have the explosiveness to land in the first round. 

]]> Average Rank: 23.4

Top 32s: 4 of 5

Highest Rank: 18

One thing to know: Robinson’s future with the Crimson Tide looked, at least for a moment, to be in doubt after he was arrested over the summer and charged with a felony possession of a weapon. Charges were dropped, though, and now Robinson has emerged as one of the top offensive linemen in the country. 

]]> Average Rank: 23.8

Top 32s: 4 of 5

Highest Rank: 17

One thing to know: Tabor legally changed his name from Jalen to Teez before the start of the season.

]]> Average Rank: 24

Top 32s: 3 of 5

Highest Rank: 11 

One thing to know: Walker suffered his second concussion in ten months earlier this season and hasn’t played since. He has now announced that he is leaving the team to prepare for the NFL Draft.

]]> Average Rank: 25

Top 32s: 3 of 5

Highest Rank: 5 

One thing to know: McCaffrey rushed for over 2,000 yards last season and is finding the back of the end zone more often this year. He has 1,115 yards rushing and 9 TDs this season as the Cardinal running back.

]]> Average Rank: 25.6

Top 32s: 3 of 5

Highest Rank: 13 

One thing to know: Smith-Schuster averaged 16.3 yards per catch as a sophomore last season, and although he has cooled off a bit this year (under greater scrutiny from defenses) he remains a top WR in this year’s draft class. 

]]> Average Rank: 25.8

Top 32s: 2 of 5

Highest Rank: 10

One thing to know: McGlinchey is 6-foot-7, 310-pound redshirt junior and is a sure-fire NFL prospect, but hasn’t announced whether or not he’ll declare for the pros or return for a fifth and final season. An underwhelming season for the Irish may just suggest the latter. 

]]> Average Rank: 26

Top 32s: 2 of 5

Highest Rank: 4 

One thing to know: Lawson has 9 sacks this season and is just 2.5 away from besting Nick Fairley’s Auburn record for most sacks in a single season. With three games left, that certainly seems possible. 

]]> Average Rank: 26.2

Top 32s: 2 of 5

Highest Rank: 7 

One thing to know: Mackey is one of eight semifinalists for the Mackey Award, given each year to college’s best tight end. The senior has caught 29 passes for 352 yards to average 12.1 yards per catch for the Crimson Tide. He’s also an excellent blocking tight end. 

]]> Average Rank: 26.4

Top 32s: 4 of 5

Highest Rank: 3 

One thing to know: The  6-foot-6, 325-pound junior from New Jersey was a preseason All-American.

]]> Average Rank: 27.4

Top 32s: 2 of 5

Highest Rank: 5 

One thing to know: Maye will miss the remainder of Florida’s season with a broken left arm, but is still a likely first-round pick.

]]> Average Rank: 27.6

Top 32s: 3 of 15

Highest Rank: 19

One thing to know: Tankersley was the only starting member of Clemson’s secondary to return this season. 

]]> Average Rank: 28.2

Top 32s: 2 of 5

Highest Rank: 9 

One thing to know: Butt is Michigan’s all-time leader in receiving yards by a tight end. 

]]> Average Rank: 28.6

Top 32s: 2 of 5

Highest Rank: 6

One thing to know: McMillan logged over 100 tackles last season, and leads the Buckeyes once more in that category this year.

]]> Average Rank: 29.2

Top 32s: 2 of 5

Highest Rank: 10 

One thing to know: White also returns punts, but botched one this season against Arkansas. 

]]> Average Rank: 29.4

Top 32s: 1 of 5

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One thing to know: Michigan has the top-ranked defense in the country, and Wormley (6-foot-6, 298) is an anchor. 

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One thing to know: Everything you need to know about Rochell can be seen in this Vine, where he bulldozes Andrus Peat, an All-American from Stanford drafted high in the first round. 

]]> 27 examples of Jim Harbaugh’s insane competitiveness >]]> Emmett Knowlton mike penceFox News

Vice President-elect Mike Pence said he was not offended when he was booed by members of the audience while attending the musical “Hamilton” on Friday.

In an interview with “Fox News Sunday,” Pence said it was agreat, great show,” and a “real joy to be there.”  

“When we arrived we heard a few boos, we heard some cheers. I nudged my kids and said, ‘That’s what freedom sounds like,'” Pence said.

After Friday’s performance, cast member Brandon Victor Nixon thanked Pence as he left the theater and pleaded with the vice president-elect not to enact policies that discriminate against racial and ethnic minorities.

“We are the diverse America who are alarmed and anxious that your new administration will not protect us, our planet, out children, our parents or defend us and uphold our inalienable rights, sir,” Nixon said. “But we truly hope that this show has inspired you to uphold our American values and to work on behalf of all of us.”

During Sunday’s interview, the vice president-elect appeared to slightly criticize the statement, but emphasized he “wasn’t offended” by Nixon’s statement.

“I’ll leave it to others whether it was the most appropriate venue to say it,” Pence said of Nixon’s statement. “I know this is a very disappointing time for people who did not see their candidate win in a national election. I know this is a very anxious time for some people.” 

Pence’s comments came just a day after President-elect Donald Trump characterized the booing as harassment, and called for the cast of ‘Hamilton’ to apologize to the vice president-elect.

Tweet Embed:
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Our wonderful future V.P. Mike Pence was harassed last night at the theater by the cast of Hamilton, cameras blazing.This should not happen!

Tweet Embed:
https://twitter.com/mims/statuses/799974635274194947
The Theater must always be a safe and special place.The cast of Hamilton was very rude last night to a very good man, Mike Pence. Apologize!

NOW WATCH: Trump’s national security adviser pick says Islam is a ‘political ideology’

]]> Sun, 20 Nov 2016 10:10:04 -0500 Sun, 20 Nov 2016 10:45:25 -0500 http://www.businessinsider.com/mike-pence-response-hamilton-booed-2016-11 http://www.businessinsider.com/mike-pence-response-hamilton-booed-2016-11?utm_source=feedburner&amp;utm_medium=referral [email protected] (Maxwell Tani) Maxwell Tani RAW Embed

What would hyper-advanced aliens even look like if we could find them.  Director of the Columbia Astrobiology Center at Columbia University, New York, and author of “The Copernicus Complex,” Caleb Scharf explains how, using advanced technology, aliens could have progressed beyond physical matter. 

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]]> Sun, 20 Nov 2016 10:08:00 -0500 Sun, 20 Nov 2016 10:08:23 -0500 http://www.businessinsider.com/advanced-aliens-could-look-nothing-like-what-we-would-expect-2016-11 http://www.businessinsider.com/advanced-aliens-could-look-nothing-like-what-we-would-expect-2016-11?utm_source=feedburner&amp;utm_medium=referral [email protected] (Rob Ludacer) Rob Ludacer

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