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The latest news from Business Insider

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    Kim Kardashian mermaid costume

    The Kardashian-Jenner family is known to go all-out when it comes to their fashion, and this is especially true when it comes to Halloween

    While the whole family tends to pull out all of the stops, Kim Kardashian West really outdid herself in October 2017 when she wore a whopping five costumes inspired by musical icons like Cher and Selena.

    For Halloween the year before that, in 2016, Kylie Jenner made a splash with her Christina Aguilera-inspired outfit, while sisters Kendall, Kourtney Kardashian, and Khloe have also sported elaborate, accurate looks for the holiday over the years.

    Here are 16 of their best Halloween looks to date.

    In 2008, Khloe dressed up as a cop while Kim wore a flapper-style outfit.

    The two went for totally different costumes, yet still managed to coordinate.

    In 2010, Kim put her spin on the classic Little Red Riding Hood costume.

    She wore the costume to Heidi Klum's Halloween party, where the supermodel is known to wear some intricate costumes.

    Also in 2010, Kim took a selfie wearing a semi-sheer, leopard-print bodysuit.

    She wore a headband to match.

    See the rest of the story at Business Insider

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    This is a preview of the Internet of Things (2018) research report from Business Insider Intelligence. To learn more about the IoT ecosystem, tech trends and industry forecasts, click here.

    The Internet of Things (IoT) is transforming how companies and consumers go about their days around the world. The technology that underlies this whole segment is evolving quickly, whether it’s the rapid rise of the Amazon Echo and voice assistants upending the consumer space, or growth of AI-powered analytics platforms for the enterprise market.

    Investments into Internet of Things solutions

    And Business Insider Intelligence is keeping its finger on the pulse of this ongoing revolution by conducting our second annual Global IoT Executive Survey, which provides us with critical insights on new developments within the IoT and explains how top-level perspectives are changing year-to-year. Our survey includes more than 400 responses from key executives around the world, including C-suite and director-level respondents.

    Through this exclusive study and in-depth research into the field, Business Insider Intelligence details the components that make up the IoT ecosystem. We size the IoT market and use exclusive data to identify key trends in device installations and investment. And we profile the enterprise and consumer IoT segments individually, drilling down into the drivers and characteristics that are shaping each market.

    Here are some key takeaways from the report:

    • We project that there will be more than 55 billion IoT devices by 2025, up from about 9 billion in 2017.
    • We forecast that there will be nearly $15 trillion in aggregate IoT investment between 2017 and 2025, with survey data showing that companies' plans to invest in IoT solutions are accelerating.
    • The report highlights the opinions and experiences of IoT decision-makers on topics that include: drivers for adoption; major challenges and pain points; deployment and maturity of IoT implementations; investment in and utilization of devices; the decision-making process; and forward- looking plans.

    In full, the report:

    • Provides a primer on the basics of the IoT ecosystem.
    • Offers forecasts for the IoT moving forward, and highlights areas of interest in the coming years.
    • Looks at who is and is not adopting the IoT, and why.
    • Highlights drivers and challenges facing companies that are implementing IoT solutions.

    Join the conversation about this story »

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    Lionel Messi injured

    • Lionel Messi has fractured his arm one week before the biggest match of FC Barcelona's season so far.
    • The injury occured after just 17 minutes of Saturday's La Liga game against Sevilla.
    • Messi had already provided one assist and scored one goal before he suffered a horrific fall while challenging for the ball alongside Sevilla midfielder Franco Vazquez.
    • Messi was treated by the sidelines, had his arm wrapped with a bandage, and used his shirt as a sling before he was ultimately replaced by Ousmane Dembele.
    • It has been confirmed Messi will be out of action for the upcoming El Clásico match against Real Madrid on Sunday, October 28.
    • Read all of Business Insider's coverage for the 2018-2019 European soccer season here.

    Lionel Messi needed just two minutes to create a goal when FC Barcelona played Sevilla at Camp Nou on Saturday, then scored one himself 10 minutes later.

    It looked like world soccer was about to get treated to yet another Messi masterclass, but the forward suffered a horrific fall in the 17th minute, badly injured his arm, and was substituted off of the field.

    The injury looked so bad, former Barça striker Gary Lineker, who presents the popular British soccer highlights show "Match of the Day", tweeted that his arm"may be broken."

    Lineker said that the player's first half cameo was "all we're going to get." He added: "Looks like he's seriously damaged his arm… may be broken."

    The global news network beIN Sports also tweeted that the injury could be a "dislocation or fracture."

    The clash occured just over a third of the way into the opening half of the Sevilla game. Barcelona was already leading 2-0 and Messi, who was by far the most effective player on the pitch, tussled for the ball alongside Sevilla midfielder Franco Vazquez.

    Messi got tangled up, fell over Vazquez's leg, and landed awkwardly on his arm with his right elbow bending in the opposite direction to his body.

    Messi received treatment on the sidelines, had a bandage wrapped around his arm by club physios, and left the field using his shirt as a sling, according to beIN Sports. He was eventually replaced by Ousmane Dembele.

    After the match, FC Barcelona confirmed the severity of the injury on its Twitter account.

    "Tests carried out on the first team player Leo Messi have confirmed that he has a fracture of the radial bone in his right arm,"a statement said. "He will be out for approximately three weeks."

    The injury leaves FC Barcelona without its best player one week before its biggest match of the year so far — the highly-anticipated El Clásico against bitter rival Real Madrid on Sunday, October 28.

    Prior to the Sevilla game, Messi was Barça's standout performer with an overall La Liga rating of 8.43 from eight outings, according to statistics website

    As Barcelona's next best player is Philippe Coutinho with a rating of 7.35, Messi's absence will be felt. 

    Barcelona beat Sevilla 4-1.

    SEE ALSO: Neymar is still being upstaged by Messi despite leaving Barça to escape living in his shadow

    DON'T MISS: Lionel Messi has turned on his own teammates as FC Barcelona continues to struggle for victories

    Join the conversation about this story »

    NOW WATCH: What it takes to be an NFL referee

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    Apple Watch Series 4

    The Apple Watch packs a surprising amount of tools into a tiny package.

    From messaging to productivity to advanced fitness tracking, the Apple Watch has something for everyone.

    But not every Apple Watch feature is obvious from the get-go. Apple has filled the watch — which is now on its fifth iteration, the Apple Watch Series 4— with neat tricks and helpful tools to make using the watch a lot easier. And now that the latest version of Apple's smartwatch operating system, WatchOS 5, has arrived, there are even more cool tricks (as long as you have an Apple Watch Series 1 or newer). 

    So whether you're new to Apple Watch or a longtime user, here are 23 tips and tricks for getting the most out of your Apple Watch. 

    SEE ALSO: 11 reasons you should buy an Apple Watch instead of Fitbit's new $200 smartwatch

    1. You can use your Apple Watch to find your iPhone if it gets lost.

    The Apple Watch can send out a pinging noise to help you find your iPhone if you misplace it. To access that feature, swipe up from the bottom of the screen and tap the button that looks like a ringing phone. 

    If you need a little extra help finding your device, press and hold the button to make your phone's flash go off. 

    2. You can customize your Apple Watch's face.

    Apple makes it easy to customize your watch face. Once you find a face you like, press and hold in the center of it — Apple calls this Force Touch. You should then see a button that says "Customize."

    You'll then be able to change the color of the face, or add different widgets like weather, your calendar, music, or workouts. 

    3. You can set your watch to turn off Do Not Disturb when you leave a specific location.

    If you have to head to an important meeting and don't want to be annoyed by your wrist constantly buzzing, Apple's "Do Not Disturb" feature is incredibly handy.

    In WatchOS 5, Apple did you one better: You can now set your watch to turn off "Do Not Disturb" as soon as it sense you've left a specific location. 

    To do this, swipe up from the bottom to access the Control Center. Then, scroll down until you see the crescent moon that signifies the "Do Not Disturb" feature. Tap on that, and scroll down until you see the option for "On until I leave." 

    See the rest of the story at Business Insider

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    Alma Harry Ritter

    Non-invasive, simple, and personal. That's how Alma wants to remake the experience of going to see a therapist. 

    Stepping out of the elevator on the 21st floor at 515 Madison Avenue in Manhattan, you might just think you're headed into a meeting at any other office space housing startups of various sizes.

    Inside, however, the floor is home to Alma, a co-working space geared specifically toward therapists looking for a place to meet with their patients. Alma, which has raised $4.5 million in seed funding, opened its first location on October 10. 

    Therapists who become Alma members can use the space to hold individual therapy meetings and group sessions. 

    Before starting Alma, CEO Harry Ritter was vice president of care delivery at health insurer Oscar Health. There, he helped create 'the doctor's office of the future.' Oscar had worked to bring mental health professionals into the space, but Ritter, a physician by training, noticed that they faced key challenges: the therapists often practiced on their own and space to meet with patients was hard to find and secure for therapists with patchwork schedules.

    So he created Alma to fix that. So far, Alma's signed on about 30 therapists, and it has the capacity to support around 115 providers.

    Take a look inside the practice, where succulents and calming spaces abound. 

    SEE ALSO: Take a look inside Johnson & Johnson's new startup incubator in NYC's SoHo neighborhood, that feels more like a rustic-chic coffee shop with jewel-toned couches

    Alma is a membership-based community for mental health providers, which include therapists as well as nutritionists and acupuncturists. Through a monthly membership fee, Alma provides the physical space they might need, but therapists can set their own rates for patients. Getting off the elevator, there are plants and wood paneling to greet you before entering the practice.

    Patients are given a card from Alma, and they can show that to the doorman to avoid the sometimes intimidating process of having to check in with an ID card. Once they get up to the 21st floor, they can ring the doorbell to be let in.

    Walking in, the first thing you come across is a waiting area for clients. There are mugs for tea, couches, and bookshelves in this space. The couches were designed to face in the same direction to bypass any uncomfortable feelings patients might have encountering other people while waiting for their appointment to begin.

    See the rest of the story at Business Insider

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    provider swtiching UKThis is a preview of a research report from Business Insider Intelligence, Business Insider's premium research service. To learn more about Business Insider Intelligence, click here.

    Mortgages are valuable for retail banks, but they're also complex products. In the UK alone, mortgages account for almost 60% of retail banks' profits. But mortgage lending can be a complicated process — it involves estate agents, appraisers, and conveyance agents.

    This complexity has resulted in major consumer pain points, like a lack of understanding of mortgages, inconvenient access channels, and difficulty switching providers. In an increasingly digital landscape, tech-savvy consumers are starting to demand simpler ways to take out mortgages, and legacy providers are suffering. In the US, the top three incumbent lenders together captured about 45% of the overall mortgage market in 2011; they hold just 24% in 2017.

    But a new class of mortgage-focused startups have developed a range of business models to help incumbents update this valuable product for the digital age. Their strategies vary between geographies: In countries like the US and UK, where homeownership is culturally important, they help incumbents keep consumers interested in taking out home loans.

    Meanwhile, in countries like Germany and Switzerland, where people prefer renting, they help incumbents attract new mortgage customers. Some incumbents are already partnering with these players, while others have opted to launch in-house initiatives. Each strategy has its pros and cons, but incumbents must adopt an approach to avoid losing relevancy and market share.

    There are still some fundamental problems in the insurance market that present obstacles to innovation — for both startups and incumbents. But there are ways to overcome them while making mortgages more attractive for consumers and improving returns for lenders.

    In a new report, Business Insider Intelligence looks at the fundamental problems dogging the current mortgage process and examines why these flaws are becoming impossible for incumbent mortgage providers to ignore. It also outlines the types of fintechs stepping in to drive innovation in the mortgage space, some current efforts by incumbent banks, and hurdles still standing in the way of large-scale change in the mortgage industry, as well as what can be done about them.

    Here are some of the key takeaways from the report: 

    • Mortgages are among retail banks' most profitable products, but these lenders have been slow to adapt mortgages to a digital economy. This has created pain points in the customer journey, like inconvenient access channels, and difficulty switching providers.
    • Ignoring these pain points is no longer an option for incumbents. The rise of alternative, digital-only mortgage firms is putting them under increasing pressure to make mortgages more attractive.
    • Fintech startups have detected an opportunity in incumbents’ slowness to innovate, and have developed several strategies to help them, like broadening their distribution channels, improving customer relationships, providing attractive front-ends, and making their back-ends more efficient.
    • Some incumbents have instead chosen to innovate their mortgage processes in-house. There are pros and cons to both strategies, which incumbents should weigh in order to add the most value for customers and their own businesses. 

    In full, the report:

    • Examines the flaws in the mortgage status quo that are upsetting consumers and dampening returns for lenders.
    • Discusses why incumbent lenders can't afford to delay innovating any longer around this product.
    • Outlines different ways mortgage fintechs are breathing new life into this product, including by helping incumbents.
    • Looks at some mortgage efforts already underway by incumbent lenders, and some considerations that should guide their projects.
    • Gives an overview of hurdles still standing in the way of large-scale change in the mortgage space, and how they can be overcome.

    Subscribe to an All-Access pass to Business Insider Intelligence and gain immediate access to:

    This report and more than 250 other expertly researched reports
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    • Google is a dream job for many workers in the tech industry.
    • We spoke to former Google employees to find out why they decided to leave the company.
    • Their answers ranged from frustration with company politics to a desire to take the next step in their career, whether that's learning new skills, building a new company, or becoming a social-media influencer.

    Google is routinely rated one of the best places to work in the US.

    It's no surprise that with a median salary over $160,000, generous benefits packages, and perks like free gourmet food, massages, and music lessons, Google is considered a dream job by so many people in the tech industry.

    So why would anyone ever want to leave?

    We spoke to several former Googlers to find out why they left the company, compiling their responses with those of other former employees who have written about their departures publicly.

    Their reasons include everything from frustration with company politics to simply wanting to feel more freedom at a smaller company. One former Googler even quit to become a social-media influencer.

    Read on to see the reasons 15 former Googlers gave for leaving the company.

    SEE ALSO: 3 former Google execs explain why they left a company where just about everyone wants to work

    DON'T MISS: A millennial who left her 6-figure job at Google to be a full-time social media influencer explains why she was willing to take the risk

    Liz Wessel, cofounder and CEO of WayUp

    Former position at Google: Product marketing manager

    Why she left: Wessel told Business Insider she knew it was time to leave Google when she couldn't stop thinking about her next career move.

    "If you can't do a good job at your job anymore because you're spending all of your time thinking about another job opportunity, that's probably a good sign," she said.

    Tyler Breisacher, software engineer at Hustle

    Former position at Google: Software developer

    Why he left: Breisacher was one of about a dozen Googlers who left the company in April to protest Google's controversial collaboration in which it provides the US Department of Defense with artificial-intelligence technology.

    After thousands of employees signed a petition, Google announced it would cease work on the project next year.

    "This is obviously a big deal, and it's very encouraging, but this only happened after months and months of people signing petitions and [internal debate] and people quitting," Breisacher told Business Insider.

    Breisacher said his decision to leave was also influenced by Google's sponsorship of a conservative political conference and its failure to act decisively after YouTube videos related to LGBT issues were flagged as inappropriate on the site.

    "When I started, Google had a reputation as a pro-gay, pro-trans company," Breisacher, who is gay, told Business Insider. "I guess I'm disillusioned. I know that Google is a for-profit company and you shouldn't expect it to do things purely for the good of the world. But in the past, we would expect leaders to listen to the employees and to think carefully about issues and not to cross certain lines.

    "Things have changed at Google."

    Krystal Bick, social-media influencer

    Former position at Google: Product marketing manager

    Why she left: Bick left her six-figure job at Google in 2015 to pursue her side hustle: being a social-media influencer.

    She knew it was time to leave after she recognized that influencer marketing was seeing an influx of advertising dollars. Now, she earns as much as four figures for a single sponsored post and five figures for brand ambassadorships.

    More importantly, she said, being an entrepreneur is liberating.

    "There's 90% certainty, and there's 10% of 'this could really fail miserably, and then I don't know what I'm going to do,'"Bick told Business Insider. "But I think I was comfortable enough with the fact that even if I fall flat on my face, at least I tried it, and I tried it at a moment where I feel like it really was an opportunity to try it."

    See the rest of the story at Business Insider

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    23andMe Co-Founder and CEO Anne Wojcicki speaks onstage during TechCrunch Disrupt SF 2017 at Pier 48 on September 19, 2017 in San Francisco, California.

    • Anne Wojcicki, the CEO and founder of Silicon Valley's most popular genetics testing startup, 23andMe, said this week that she hopes the company expands its current health offering lineup.
    • 23andMe, which made headlines recently on the heels of a new $300-million partnership with drug giant GlaxoSmithKline, currently offers health screenings for some of the genes involved in breast cancer, Alzheimer's, and Parkinson's.
    • On Tuesday, Wojcicki said she hopes to add a new health offering that looks at how you process  medications including those for depression.
    • Albertsons pharmacies and gene testing startup Color Genomics currently offer that kind of test for $250-$750, but many scientists say it's not worth the money.

    Anne Wojcicki, the CEO and founder of popular Silicon Valley gene testing company 23andMe, doesn't feel like the company is currently offering what she called a "complete product."

    That's because the current gene testing kit — which includes health screenings for some of the genes involved in Alzheimer's, Parkinson's, and breast cancer — does not include a test that looks at how you process medications including those for depression.

    Those DNA tests, which assess genes involved in the break down of antidepressants in the body, are currently being offered by psychiatrists and Albertsons pharmacists in three major cities at a hefty price tag of $750. Just last month, another Silicon Valley genetics testing startup called Color Genomics began offering the test as part of its $250 kits. 

    And on Tuesday at a conference organized by Rock Health, one of Silicon Valley's premier health-tech funding groups, Wojcicki said she hoped her company could include that kind of test in its product lineup soon.

    But many scientists feel the tests don't offer a clear benefit to people and in some cases are not worth the money. Among other issues, the tests may give conflicting results to the same patient for the same medication and don't tell providers which specific medication is best, according to experts.

    'When we can bring pharmacogenomics back, then we have a complete product back'

    23andMe kitIn the early days of 23andMe, the company included a test for depression medications in its lineup of health offerings, Wojcicki said. But in 2013, the Food and Drug Administration forced the company to stop selling those products and get federal approval on the grounds that the tests could be misinterpreted as health advice. The company was allowed to continue selling the genealogy component of its kit, which looks at ancestry.

    Last year, the FDA gave the company the green light to again sell some of its health screenings. On the heels of that decision, 23andMe rolled out a limited selection of some of its original products. The most recent addition, unveiled in March, is a test for some of the genes involved in the risk of developing breast cancer, also known as BRCA genes.

    Now, the company is only missing one of those original health products, Wojcicki said: a test for depression medications, also called pharmacogenomics.

    "The only one we don’t have back yet is pharmacogenomics. We used to have that and we’d like to have that one come back," Wojcicki said on Tuesday at a panel discussion at the Rock Health Summit in San Francisco.

    “When we can bring pharmacogenomics back, then we have a complete product back," she said.

    It remains to be seen how the company would roll out such a test. Because 23andMe sells its tests directly to people (they can be purchased online and at a selection of drug stores), it would need to get FDA approval before selling an additional health product. The test could be incorporated into the existing health lineup, which currently includes tests for Alzheimer's, Parkinson's, and breast cancer for $199, or it could be sold as a stand-alone test.

    Color Genomics chose to incorporate its new pharmacogenomics product into its existing $250 test. Unlike 23andMe, which sells its services directly to consumers, Color requires people to order their tests through a medical provider. In addition, the company mandates talking with a professional genetics counselor and a clinical pharmacist to avoid potentially dangerous misinterpretations of the results.

    Genomind and Assurex, the two companies who offer a standalone pharmacogenomics product, sell the test through psychiatrists and some pharmacists for $750.

    Wojcicki did not provide further details on how much the test — should the company ultimately choose to offer it — would cost or when it would be available. A company representative also declined to offer Business Insider more information about the test. But Wojcicki said she saw the pharmacogenomics service as part of the company's overall mission to help empower customers with more data about themselves and prevent negative health outcomes when possible.

    "I think one thing genetics can do is help prevent a lot of early deaths," Wojcicki said.

    SEE ALSO: DNA tests that cost as much as $750 claim to tell you which antidepressant is best for you, but scientists say they're not worth the money

    DON'T MISS: DNA-testing company 23andMe has signed a $300 million deal with a drug giant. Here's how to delete your data if that freaks you out.

    Join the conversation about this story »

    NOW WATCH: How whales became the largest animals ever

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    libby leffler

    • Libby Leffler, a former Facebook executive and Google employee, is now the vice president of membership at SoFi.
    • Leffler recommends that, before you ask your boss for a raise, you put yourself in their shoes. What are they going to be thinking and feeling when you start negotiating?
    • She also reminds people that they can negotiate for things other than a salary bump, like benefits.

    "Being able to put yourself in someone else's shoes is really important."

    This is true of life in general, but it's especially true when you're asking your boss for a raise.

    According to Libby Leffler, who is the vice president of membership at personal finance company SoFi as well as a former Googler and Facebook executive, the first thing to do when you're planning to petition your manager for a salary bump is to "consider where you're coming from and where they're coming from."

    For example: Are they trying to manage an already-tight budget for the division? Are they under strict orders only to grant raises for knock-it-out-of-the-park performance? Once you understand their goals and constraints, you can adjust your pitch accordingly.

    Leffler's advice recalls insights from Daniel Shapiro, founder and director of the Harvard International Negotiation Program, and author of "Negotiating the Nonnegotiable." Shapiro previously told Business Insider that it can be helpful to play the role of your boss while a friend or colleague plays you.

    The idea is to think and feel how your boss might be thinking and feeling — and to then tailor your strategy so it really resonates with them.

    Remember, too, Leffler said: You can negotiate for outcomes other than financial ones. "Compensation is whatever these things mean to you," Leffler said. It can be flexible hours, extra vacation time, equity, or bonus pay. Figure out what exactly you want (and what your boss might be most likely to concede).

    Leffler's most important piece of wisdom? "Practice, practice, practice your pitch before walking in." She'd never advocate going in cold.

    Leffler said, "You want to take all these steps in advance to really set yourself up for success."

    SEE ALSO: A former exec at Google and Facebook doesn't just expect job candidates to negotiate their offer — she hopes they will

    Join the conversation about this story »

    NOW WATCH: I woke up at 4:30 a.m. for a week like a Navy SEAL

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    Mohammed bin Salman

    • The Saudi government targeted and punished several dissidents after the American consultancy firm McKinsey & Company identified them in a report as critics, The New York Times reported.
    • McKinsey reportedly created a nine-page report gauging public response to Saudi austerity measures announced in 2015, and found that three dissidents had a major influence over negative coverage on Twitter.
    • One of the dissidents was arrested, another was hacked and had two brothers arrested, and a third, anonymous user's account was shut down, The Times reported.

    Several dissidents were targeted by the Saudi government after a report from the American consultancy firm McKinsey & Company identified them as having a heavy influence over social-media criticisms of Saudi austerity measures, according to The New York Times.

    McKinsey reportedly created a nine-page report measuring the public's response to austerity measures announced in 2015, and found that there was twice as much coverage of the measures on Twitter than on other news platforms, and that the coverage was overwhelmingly negative.

    The McKinsey report, obtained by The Times, found that three people were particularly influential on Twitter, including Khalid al-Alkami, a writer; Omar Abdulaziz, a Saudi critic who lives in Canada; and an anonymous user identified as Ahmad.

    Following McKinsey's report, Alkami was reportedly arrested; two of Abdulaziz's brothers were arrested, and the government hacked Abdulaziz's phone; and the Ahmad account was shuttered.

    A McKinsey spokesman said in a statement to Business Insider that the report was not created for the Saudi government, used publicly available information, and was intended primarily for an "internal" audience.

    "We were never commissioned by any authority in Saudi Arabia to prepare a report of any kind or in any form to identify critics. In our work with governments, McKinsey has not and never would engage in any work that seeks to target individuals based on their views," the spokesman said.

    He continued: "We are horrified by the possibility, however remote, that it could have been misused in any way. At this point, we have seen no evidence to suggest that it was misused, but we are urgently investigating how and with whom the document was shared."

    The news comes amid international uproar over the death of Washington Post journalist Jamal Khashoggi, whom the Saudi government acknowledged Friday was killed in a consulate in Istanbul, Turkey. Khashoggi had frequently criticized the Saudi government and Crown Prince Mohammed bin Salman in his columns.

    Khashoggi's death, which the Saudis have said occurred after a physical altercation, has highlighted the Saudi government's attempts to quash dissent and silence critics, and shone a spotlight on the companies and governments who have aided the regime.

    SEE ALSO: Here's everything we know about the troubling disappearance and death of Saudi journalist Jamal Khashoggi

    Join the conversation about this story »

    NOW WATCH: Inside the Trump 'MAGA' hat factory

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    mistake fall

    • In March, I left New York to travel around the world as Business Insider's international correspondent. In total, in my life, I've traveled to 30-plus countries.
    • While traveling I've made tons of dumb mistakes that I'd like to avoid in the future. Everything from getting pickpocketed in the Mexico City metro to getting tricked by a fake taxi. 
    • Learn from my mistakes and save yourself some aggravation.

    The idea that travel is an adventure is one of the oldest clichès in the book. But, it's a clichè because it's true. And, on adventures, things go wrong. Often.

    I've made so many mistakes while on the road that it would be impossible for me to recount them all. I've worn the wrong footwear on hikes and ended up with blisters as big as my heel.  I've been pickpocketed not once, but twice. I've taken a metro in the wrong direction a dozen times. The mistakes never end.

    But that's also what I love about travel: the constant sense of exploration, of trial and error, of sketching out new terrain on your mental map.

    Below, I've collected as many of the mistakes as I can remember that I've made while traveling. There are a lot. Perhaps you'll learn from my mistakes and save yourself some aggravation. 

    SEE ALSO: I traveled the world for 6 months, and here's the single best piece of advice I can give you for any trip you take

    DON'T MISS: I've been traveling the world for 6 months, and I've found real life doesn't always live up to the hype. These are the most disappointing places I've been.

    1. I forgot to print out my boarding pass before getting on a budget airline. I had to pay $34 to print out my boarding pass at airport check-in.

    I've been traveling the world for 6 months, and I still made an expensive budget airline mistake that should serve as a warning to anyone»

    2. In Bali, I made the mistake of wearing flip-flops while driving a scooter bike. When my hand slipped on the throttle with my foot on the ground, it dragged and I ended up with a nasty cut.

    3. On my last night in Tokyo, I decided it was a good idea to spend the night out drinking at an izakaya and singing karaoke. I woke up in a stupor, barely made my 8 a.m. flight, and was nauseous for the entire 13-hour flight to New York.

    A little-known travel app that is Airbnb-meets-Tinder helped me have the wildest night in Tokyo partying until sunrise»


    See the rest of the story at Business Insider

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    Todd Park

    • Devoted Health, a startup that wants to reinvent how we care for aging Americans, just raised $300 million ahead of its launch of health plans for 2019 in parts of Florida. 
    • Devoted's founders have tons of healthcare experience, but the company will have to compete for customers with some of the biggest health insurers in the US.
    • The funding will be used to fuel the plans through 2019, as well as help Devoted build up its technology. "Now we can sprint," DJ Patil, Devoted's head of technology told Business Insider.  

    A startup that wants to reinvent the way we take care of seniors in America just raised hundreds of millions as it gears up to launch its new plans in 2019. 

    Devoted Health on Tuesday said that it had raised $300 million in a series B round led by Andreessen Horowitz, bringing its total funding to $369 million in funding. The company is based in Waltham, Massachusetts, but it'll initially offer Medicare Advantage plans in parts of Florida, starting next year.

    Devoted is the latest firm to enter Medicare Advantage, the private side of the government-funded Medicare program for seniors. It'll have to compete for customers immediately with big, entrenched rivals like Humana, UnitedHealth Group and soon-to-be-merged CVS Health and Aetna. UnitedHealth on Tuesday said that it covers 4.9 million Medicare Advantage members, 12 percent more than a year earlier. About 19 million people were covered by Medicare Advantage last year.

    Oscar Health, known for its individual plans on the Affordable Care Act insurance exchanges, said in August that it plans to move into the Medicare Advantage market after raising $375 million from Alphabet. Clover Health, which was founded in 2014, has been offering insurance plans in four states, with plans to expand into three more in 2019

    Devoted was founded in 2017 by brothers Ed and Todd Park. Prior to Devoted, Todd co-founded health IT company Athenahealth and served as chief technology officer of the US during the Obama administration. Ed, who serves as Devoted’s CEO, was formerly chief technology officer and later chief operating officer at Athenahealth.

    The company's plans might look a bit different from traditional insurance in that Devoted plans to do more than pay for visits to doctors and hospitals. It's also hiring nurses and other employees aimed at keeping seniors healthier and out of the hospital.

    Because health insurers are in charge of paying for healthcare, the companies tend to know what's going on with a particular patient: have they been in for a check-up, or have they had a recent trip to the emergency room? Knowing that, the insurer — in this case Devoted — can clue in the other parts of the system so that the primary care doctor knows when his or her patient has been in the hospital and can follow up with them, for example. 

    To do that however, the Devoted team had to build out its own technology to process claims as well as build out its networks of doctors that it can work with. The latest funding round is being used to build out the technology to help them do that. 

    "Now we can sprint," DJ Patil, Devoted's head of technology told Business Insider. 

    A growing Medicare Advantage market

    Medicare Advantage, the private version of the government health insurance program for the elderly and some disabled people, has been steadily growing. As of 2017, 33% of people on Medicare were in one of these plans. Individuals can typically choose to enroll in either Traditional Medicare or Medicare Advantage plans.

    Medicare Advantage works like private insurance does for those under 65. It's designed to allow people to shop around and choose among different plans, which may restrict which doctors and hospitals individuals can use. The US government in turn pays the insurers a certain amount for each person who is covered, creating an incentive for the insurer to try to keep that person healthy and out of the hospital. If the insurer does a good job of caring for its customer at a low cost, it can keep the extra funds as profits.

    "Medicare Advantage is today the simplest way to align financial incentives across the various parties in the system," Venrock partner Bryan Roberts, who's an investor and board member at Devoted told Business Insider. "Therefore, you can drive better efficiency in the healthcare system." 

    Vijay Pande, a partner at Andreessen Horowitz, said a key reason his firm led Devoted's fundraising was because of the implications plans like Devoted's could have beyond Florida, and even beyond just Americans 65 and older. 

    "The future could look like Medicare Advantage for all," Pande said. 

    See also: 

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    detroit police chief james craig

    • Detroit police found 63 remains of infants and fetuses at a funeral home — just days after discovering the remains of 11 babies at a separate funeral home.
    • Police Chief James Craig told reporters he couldn't say with certainty that the incident was isolated to just two funeral homes. "This is much larger than we might know," he said.
    • Investigators originally found the remains of 11 stillborn babies concealed in a funeral home's "false ceiling," after they received an anonymous letter tipping them off.

    Detroit police on Friday announced they had found dozens more remains at a funeral home just days after uncovering the corpses of 11 infants concealed in the ceiling of a separate, defunct funeral home.

    Authorities said they found remains of 63 infants and fetuses at the Perry Funeral Home, 36 of which were found in boxes and 27 in freezers.

    "This is deeply disturbing," Police Chief James Craig told reporters at a press conference. "I am committed to get to the truth. I'm committed to following the evidence."

    Craig said the police department's phone was "ringing off the hook" since the original discovery of 11 remains last week, adding that it's possible there are more remains at different establishments yet to be found.

    "I would like to look at you and tell you I hope not," Craig told one reported. "I hope that it is isolated to these two. I can't say that with certainty. So this is much larger than we might know."

    The Michigan Department of Licensing and Regulatory Affairs said Friday it suspended the mortuary science licenses of Perry Funeral Home and its director, The Detroit News reported.

    The original discovery of 11 corpses came after authorities received an anonymous letter tipping them off about the Cantrell Funeral Home, which had been closed for months due to "deplorable conditions,"according to The Detroit News.

    Investigators then reportedly found the remains of 11 stillborn babies concealed in a "false ceiling" between the first and second floors of the building. Nine of those infants' bodies were in cardboard boxes, and two were inside a trash bag, which in turn was inside a infant-sized casket.

    Craig said Friday that the investigation into the second funeral home came after authorities received a second tip from a parent who had heard a media report of the first discovery of remains.

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    Huawei Mate 20

    Huawei's Mate 20 Pro is here. It's a high-end flagship phone to go up against the Google Pixel 3 XL and the iPhone XS Max, with a price tag of €1049 (priced at £899 in the UK and equivalent to $1,220).

    The Chinese phone maker is a huge deal, even if it doesn't quite boast the brand recognition of Samsung or Apple. It is the second biggest smartphone maker in the world, behind Samsung, and has put major spend into crafting beautiful flagship devices.

    You might already be familiar with Huawei's P series, an impressive range of Android phones updated earlier this year. Now there's the year-end Mate 20 and Mate 20 Pro.

    Here are the coolest new features on the Mate 20 Pro:

    • Qi-compatible phone-to-phone wireless charging which, in plain English, means you could wirelessly charge an iPhone or Samsung Galaxy phone by placing it against a Mate 20 Pro.
    • Huawei lets you unlock your phone with your face through a facial recognition feature, similar to an iPhone.
    • There's also on-screen fingerprint recognition, which works smoothly on a first run.
    • A Leica-powered triple-lens camera intelligently tracks the subject of photos, has real-time video filters, and lets you take beautiful ultra-wide and close-up shots.
    • It launches with Android 9 Pie out of the box.
    • It's than the iPhone XS and iPhone XS Max.

    Business Insider spent a few days with the Mate 20 Pro. Here's what we took away from a first look.

    The Mate 20 Pro is a jumbo phone with a curved, OLED, 6.39-inch screen.

    We're firmly into phablet territory with this supersized phone. It isn't even the biggest of the updated range: Huawei, as its "one last thing," unexpectedly announced the Huawei Mate 20 X, a shameless copycat of the iPhone X branding and basically a tablet at 7.2 inches.

    To someone who owns a comparatively modest 5.8-inch iPhone X (and happens to have an injured hand tendon), the size felt a little unwieldy. But if you spend your commutes glued to Netflix, the size, the screen's curved edges, and popping colours make this an excellent device.

    Yes, there's a notch, but it's optional.

    2018 is the year of the notch. Screens without big black borders are becoming a common design feature on flagship phones, but phone makers haven't quite worked out how to achieve a full-screen display and house a front-facing camera. Hence the notch.

    For anyone especially displeased by the notch on the Mate 20 Pro, Huawei lets you switch it off. That feature keeps the bezel running evenly across the top of the phone.

    An advanced chipset and interface update means the phone boasts impressive speed boosts.

    Huawei is promising super speedy performance, thanks to its Kirin 980 chipset, which also packs a neural processing unit (NPU) for clever artificial intelligence features.

    There's also an upgrade to EMUI 9, Huawei's homegrown interface. The company said users should be able to open apps much faster and navigate around the phone quicker.


    See the rest of the story at Business Insider

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    putin patriarch bartholomew

    • A powerful Orthodox priest activated a 1,567-year-old power to elevate the status of the Ukrainian Orthodox Church and make it on par with its Russian counterpart.
    • Previously, Russia had power over the Ukrainian Orthodox Church, and the move damages its international prestige.
    • The Russian Orthodox Church severed ties with the Ecumenical Patriarchate of Constantinople as a result.
    • Bartholomew's decision is likely a big blow to Vladimir Putin, who has close ties to the Russian Orthodox Church and has asserted Russia's religious dominance over Ukraine.

    Vladimir Putin faced a major blow to his power when a powerful Orthodox priest used an ancient and obscure power to undermine Russia's religious influence in Ukraine.

    On October 11 the Ecumenical Patriarchate of Constantinople — an Istanbul-based religious body that oversees Orthodoxy Christianity — recognized the independence of the Ukrainian Orthodox Church, which had previously been subservient to Russia.

    Ecumenical Patriarch Bartholomew, the head of the church, elevated the statuses of two bishops in Ukrainian churches and gave them power to set up an independent church on the same footing as their Russian counterpart.

    In doing so, Bartholomew relied on an authority granted to his office in the early days of Christianity, established at the Council of Chalcedon in 451 AD. The power has hardly ever been used, and took many be surprise.

    The Russian Orthodox Church — with whom Putin has warm relations — responded to the slight by cutting ties with the rest of the Orthodox church.

    The split has been described as the biggest schism in Orthodox Christianity since the Orthodox church became independent from the Roman Catholic Church in 1054, the BBC reported.

    poroshenko filaret orthodox

    The new religious order effectively undermines Russia's religious power in Ukraine.

    Shortly after Bartholomew's decision was announced, Ukrainian President Petro Poroshenko said according to the BBC: "It's an issue of Ukrainian national security. It's an issue of Ukrainian statehood."

    Relations between Moscow and Kiev deteriorated after Russia annexed Ukraine in March 2014, and were strained further when a Soviet-made missile shot down a Malaysia Airlines flight MH17 over an area in Ukraine that was controlled by pro-Russian rebels.

    Moscow has also repeatedly claimed to be spiritually inseparable from Ukraine, a claim undermined by the Orthodox church's decision to make Ukraine independent.

    "In people's hearts and minds, Crimea has always been an inseparable part of Russia," Putin said in a speech to the nation in March 2014, when the annexation was ongoing.

    Ukraine Avdiivka Russia

    Putin hits back

    The Russian church on Monday said that it could no longer continue being in "Eucharistic communion" with the Istanbul religious body. This means that Russian Orthodox believers can no longer take communion with people from other branches of the church.

    Metropolitan Hilarion, a bishop in the Russian Orthodox Church, said that the recognition of the Ukraine church went "against historical truth," according to the BBC.

    The Orthodox Church commands a huge presence and power in Russia. It is the largest religion in the country and boasts tens of millions of followers.

    putin kirill shoigu

    Putin cozy with the Orthodox Church

    Its head, Patriarch Kirill — who was reportedly an informant for the the KGB, the Soviet spy agency for which Putin worked, during the Cold War — is closely aligned to Putin and his policies, and in 2012 called Putin's rule a "miracle of God."

    Putin also relies on the Russian Orthodox Church to endorse many of his polices, such as his opposition to feminism and same-sex marriage, according to Foreign Policy.

    Putin's popularity at home hit a record low this year when he broke a 13-year-old promise not to hike the country's national retirement age, which could mean that many Russians will miss out on a pension altogether.

    Russia and its military also suffered a series of embarrassing blunders over the past few weeks as Western investigators claimed that the GRU, the country's military intelligence service, was behind a nerve agent poisoning in England and an attempted hack into the global chemical weapons watchdog in the Netherlands this spring.

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    worldwide it spending forecast chart 2019

    • Global IT spending is forecast to hit $3.8 trillion in 2019, according to analyst firm Gartner.
    • The number reflects continued growth, though at a slower rate than past years. Gartner forecasts that spending will from 3.2% in 2019, down from its forecast of 4.5% growth in 2018.
    • More than a third of that spending will go toward communications services, though enterprise software is the fastest growing spending area.

    Global IT spending is forecast to hit $3.8 trillion in 2019, up 3.2% from the $3.69 trillion companies are expected to spend this year, according to newly-released Gartner data.

    While corporate budgets continue to boom, Gartner's projection for 2019 IT spending actually represents a slowdown in growth. Gartner forecasts that spending in 2018 will ultimately grow 4.5% from 2017, while actual growth in 2017 was up 3.9% from 2016. And so, a year-over-year gain of 3.2% is a notable dropping-off.

    Communications services — which includes everything from landline and mobile telephone services, to cloud communication tools like Zoom — is projected to take in $1.4 trillion in 2019, more than a third of overall spending for the year. But spending in that area is expected to grow just 1.2% from 2018.

    The fastest-growing segment is enterprise software, which is projected to rake in $439 billion next year. This bucket includes customer relationship management software like Salesforce, as well as financial management and HR software like Workday.

    Companies are expected to increase spending in enterprise software by 8.3% in 2019, following 9.9% projected growth in 2018, and 10.4% growth in 2017.

    Even spending on data center systems, which have lost their edge thanks to growing corporate reliance on public clouds, is expected to grow by 1.6%. This is down from 6% growth projected in 2018, and the 6.4% growth realized in 2017.

    This year's expected IT growth is "buoyed by a strong server market," according to Gartner. However, the steep decline in 2019 reflects the fact that the server market is expected to slow down once again, according to the report.

    Here's the full forecast: 

    worldwide it spending forecast table 2019

    SEE ALSO: Oracle is acquiring a tiny cloud startup backed by Qualcomm to build out its health science product suite

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    Great Wall Of China Photos Tour (1 of 1)

    • In March, I left New York to travel around the world as Business Insider's international correspondent. In more than six months, I have so far visited 12 countries.
    • Spending all this time traveling has hammered home one truth for me: forget about FOMO (fear of missing out). If there's an attraction, landmark, or museum that doesn't interest you, don't be afraid to skip it.
    • There are often too many things to see in whatever place you are visiting to waste your time on something that doesn't interest you — even if it's something as monumental as the Taj Mahal or the Great Wall of China.

    Perhaps you know the feeling. You're on that vacation you've been planning all year to some exotic location — let's say Tulum, Mexico — and you've got just two more days before heading back to the office and the nine-to-five grind.

    As you nap on the beach, you imagine a nightmare.

    Before you left, your buddy Chad at work talked your ear off about how amazing the Mayan ruins are in Yucatán. He visited Tulum last year and raved about how the pre-Columbian city of Chichen Itza was the most incredible place in the world. You have to go, he said.

    Now, sitting on the beach with two days left, you don't want to go. Historical sites don't particularly interest you. You travel to relax and to eat tasty local food. Spending a day on a hot bus so you can listen to a tour guide drone on about Mayan astronomy sounds terrible. You want to soak up as much sun and surf as humanly possible.

    But then FOMO — fear of missing out — starts to creep in. What if it is the most incredible place in the world? And you didn't go. In your mind, you see Chad in front of the water cooler doubled over with laughter: You didn't go to Chichen Itza? It's like you didn't even go to Mexico.

    Your life will be irrevocably ruined if you don't go, a little voice in your head says. Goooooooooooooo.

    I'm here to tell you: Your life won't be irrevocably ruined, and you don't need to go. Screw Chad. Do what you want.

    While spending the past six months traveling the world as Business Insider's international correspondent, I've been in variations of this scenario dozens of times. It may sound as though I have a lot of time to hit tourist attractions— "You travel for a living!" the internet shouts at me constantly — but with all the time I spend reporting and writing, I usually have only a couple of days to see what a place has to offer. I often have to make choices about my time: Do I spend my Beijing sightseeing day at 798 Art Zone, a district of modern art galleries? Or the Forbidden City?

    When I traveled before this job, I took backpacker-style one-week vacations each year. During them, I constantly fretted about missing out on some landmark, and I tried to cram everything I possibly could into a trip. It led to me wasting a lot of my time doing things I'd rather I didn't.

    In Bogotá, Colombia, I spent half a day in the Museo del Oro, a museum exclusively displaying pre-Columbian gold. In Europe, I visited ornate medieval church after ornate medieval church. In Stockholm, Sweden, I spent a day trudging through the stuffy rooms of the Royal Palace.

    I did all those things because I was afraid of the proverbial Chad saying something like: You didn't go to that? It's like you didn't even go to [insert destination here].

    That's not necessarily to say that any of those places aren't worth going to. If you love royal architecture, Stockholm's palace is a fine example of 18th-century Baroque architecture. But spending a day on that meant I had to spend one fewer day exploring Sweden's stunning natural beauty, which, in hindsight, I would've much preferred.

    That persistent sense of FOMO is one of the reasons I hate bucket lists. They are a constant pressure to see and do things that other people say you have to do, rather than what you actually want to do.

    These days, I do my best to ignore the little voice in my head screaming "FOMO! FOMO!" and instead try to follow my interests. It has made travel infinitely more fulfilling and engaging for me. I suggest you try it.

    And if you're wondering, I spent my day in Beijing at 798 Art Zone, because it felt more urgent to try to understand China's flourishing art scene and was more appealing than visiting one of China's top attractions during Chinese holidays.

    Life is too short to spend time doing stuff you don't want to do. YOLO.

    SEE ALSO: I've been traveling the world for 6 months, and I've found real life doesn't always live up to the hype. These are the most disappointing places I've been.

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