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The latest news from Business Insider

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    tim cook

    • Apple shares are sliding on Monday after a series of bad data points for iPhone demand.
    • JP Morgan analysts said that iPhone unit sales could decline on an annual basis in both 2018 and 2019. 
    • TF International Securities analyst Ming-Chi Kuo cut his forecast for iPhone XR shipments from 100 million to 70 million.
    • Apple said earlier this month that it will no longer provide iPhone sales figures to investors. 

    Apple is down more than 4% on Monday after a slew of analyst reports suggested that iPhone unit sales could drop year-over-year as soon as the first quarter of 2019. 

    These reports come shortly after Apple announced that it would no longer provide iPhone unit sales, one of the key signals that analysts use to evaluate Apple's business. Apple also provided lukewarm guideance for the all-important holiday quarter. 

    The driver of the projected sales slump is that Apple's new $749 phone, the lower-end iPhone XR, might not be the hot seller that Apple had hoped, and the company may be cutting orders for the device. Nikkei reported earlier this month that Foxconn had cut as many as 15 production lines for the device. 

    Now, that's being backed up by new reports by analysts from JP Morgan and TF International Securities. 

    "We now forecast modest y/y declines in iPhone shipments for both calendar 2018 and 2019 on account of a weaker macro backdrop in emerging market," Samik Chatterjee and other JP Morgan analysts wrote in a note distributed to clients on Monday, blaming the weak iPhone shipments on weak consumer confidence in emerging markets. 

    "Led by the softer backdrop in the [emerging markets], the better than expected response to the iPhone XS and the iPhone XS MAX (the higher-end phones) is unable to entirely offset the more tepid than expected consumer response to iPhone XR (launched recently)," the analysts continued, downgrading their price target for Apple stock to $266 from $270.

    TF International Securities analyst Ming-Chi Kuo had similar observations in a note released on Monday. 

    "We have reduced our iPhone XR shipment estimation from 100mn units to 70mn during the new product lifecycle, Kuo wrote, citing reduced Chinese consumer confidence stemming from the trade war, high prices, and competition from Huawei. However, Apple's less expensive older phones may get a sales boost from the weak iPhone XR. 

    "The legacy iPhone models forecast is likely to increase significantly thanks to more affordable prices; the total iPhone shipments in 1Q19 are likely to see a YoY decline," Kuo continued, citing Career and Nissha Printing as two suppliers that might be affected by Apple's cuts. 

    Another data point potentially contributing to Apple's slide: Lumentum, a key supplier for parts that power facial recognition systems, said that a large customer had cut its orders by 30% — and Apple is its top customer. 

    These data points come as fears that there is weak demand for Apple's products in emerging markets including China, partly driven by a strong dollar making iPhones more expensive. 

    The slide may also reflect fears that Apple knows that iPhone unit sales are going to go negative in the short-term, which is why it decided to stop reporting unit sales. Apple said that it prefered to focus on the company's transition to a services company, with regular recurring revenue. 

    "We believe these challenges are largely cyclical and investors should pay greater attention to the transformation to services, where Apple was able to report quarterly record revenue of $10 bn in [the most recent quarter] despite a regulatory challenge in China," the JP Morgan analysts write. 

    Apple CEO Tim Cook was directly asked about this possibility during Apple's most recent conference call. 

    "Some people may fear that this now means that the iPhone units are going to start going negative year over year because it's easier to talk about great things and not show the details of things that aren't so great," Citi analyst Jim Suva said during the conference call. 

    Apple CEO Tim Cook responded: 

    "Jim, let me just add a couple things to that for color. Our installed base is growing at double digit, and that's probably a much more significant metric for us from an ecosystem point of view and the customer loyalty, et cetera. The second thing is this is a little bit like if you go to the market and you push your cart up to the cashier and she says, or he says how many units you have in there? It doesn't matter a lot how many units there are in there in terms of the overall value of what's in the cart."

    Apple stock is down over 10% since it said it would no longer disclose hardware unit sales on November 1 — and these reports suggest that it may be a while before the company has another unit growth spurt. 

    SEE ALSO: These 2 charts reveal a growing problem for Apple in China — searches for the new iPhones 'fell off a cliff' in October

    Join the conversation about this story »

    NOW WATCH: A cybersecurity expert showed us how hackers can tap into an office phone and listen to everything you're saying

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    orlando bloom

    Three major wildfires continue to blaze through California. And two of them, the The Woolsey and Hill fires, surround Los Angeles and are burning through Malibu.

    The damage is already devastating. 29 people have been killed in the Camp Fire, further north in the state, and the property damage will amount to billions of dollars once everything has been accounted for.

    A number of celebrities living in the Los Angeles and Malibu areas have evacuated their homes, including Miley Cyrus and members of the Kardashian family. Many of them don't know if they lost their homes in the fires.

    But some celebrities — including Orlando Bloom, Gerard Butler, and Lady Gaga — have had their homes completely or partially burned to the ground. Many of them had only been living in those houses for just a few years before losing them.

    Here are seven celebrity homes destroyed by the fire — and what they looked like before.

    Gerard Butler bought his Point Dume house in May 2016.

    Split in two compounds, the home cost him $6.45.

    On Sunday, he showed its skeletal remains.

    Butler returned to his home Sunday after evacuating it earlier. He found it completely destroyed, and posted a photo of the devastation on Instagram.

    "The Real Housewives of Beverly Hills" star Camille Grammer also has a home in Malibu.

    She's put the home on and off the market since 2012.

    See the rest of the story at Business Insider

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    TheInsider Picksteam writes about stuff we think you'll like. Business Insider has affiliate partnerships, so we get a share of the revenue from your purchase.

    Since you don't have all day to scour the web for noteworthy sales and discounts, we rounded up the best bargains for you to shop in one convenient place.

    Gratton 6 Door Accent Cabinet

    1. Wayfair's Clearance items are up to 75% off

    Wayfair is a one-stop-shop for some of our favorite stores for home decor, and right now you can save up to 70% on thousands of items by shopping its outlet sale. You can save on everything from furniture to bedding, to lighting, so chances are you'll definitely find a way to save on the home upgrade you've been thinking about. If you've never shopped at the store before, don't worry, we have some suggestions to help you get started.

    Shop Wayfair's outlet sale here.

    Silpat Silicone Muffin Pan 12 Well

    2. Save 20% on cooking goods at Williams Sonoma

    Williams Sonoma carries all the tools a home chef needs to create a professional kitchen in their house. From now until November 14, the store is having a "friends and family sale," which offers a 20% discount nearly site-wide. You also get free expedited shipping. Just use the promo code "FRIENDS" at checkout. While you can save on just about anything, we recommend Silpat's muffin pan, which is a Williams Sonoma exclusive. We tried the pan recently and were blown away by how easy it was to make perfect muffins every time.

    Shop Williams Sonoma's friends and family sale here.

    Bonobos dress pants

    3. Save up to 30% on final sale items at Bonobos

    Bonobos makes some of our favorite dress pants, and right now you can save up to 30% on everything in its final sale section by using the offer code "SUPERSALE" at checkout. The section is full of everything from full suits to swim trunks, but we're highlighting the company's "weekend warrior" pants, which made our list of the best dress pants you can get under $150. Originally $98, you can get a pair for under $48 right now.

    Check out Bonobos' final sale section to save here.


    4. Save 15% when you buy two or more pairs at MeUndies

    MeUndies is responsible for some of the most comfortable underwear we've ever tried, and right now you can save 15% when you buy two or more pairs and use the offer code "UNDIES15" at checkout. The startup has multiple styles of underwear for both men and women, and over a dozen prints to choose from, so you're set whether you want something classic or adventurous. An important thing to note is that this deal isn't available to MeUndies subscribers, who get a 15% discount on all of their orders already. This offer ends today.

    Shop all of MeUndies styles here.


    5. Save up to 70% on over 54,000 items at Macy's Thanksgiving sale

    Macy's carries everything from clothes to kitchen accessories, and you can save on over 54,000 items until November 14 thanks to its Thanksgiving sale. No promo code is required to take advantage of the deal. While there are tens of thousands of great deals to enjoy, this $190 discount on Tag's four-piece luggage set is one of the best. For $79.99, you get a checked bag, carry on, travel tote, and dopp kit, which is everything you'll need to travel during the holiday season.

    Shop Macy's Thanksgiving sale here.


    6. Save 20% on Staub's cast iron cookware at Bed, Bath, and Beyond

    Staub's French-made cast iron cookware is legendary for its iconic look, longevity, and even heat distribution. Right now, you can save 20% on all of Staub's cookware at Bed, Bath, and Beyond until November 13. No promo code is required. The festive coquette above is shaped like a pumpkin and oven-safe up to 500 degrees. It's just the thing to bring a little bit of fall to your table this Thanksgiving. 

    Shop Bed, Bath, and Beyond's Staub sale here.

    Roav Viva

    7. You can save 30% off Anker's car chargers at Amazon

    Anker makes the best charging accessories I've ever tested, and many of its best car chargers are 30% off thanks to an Amazon deal of the day. This sale covers everything from chargers to cables, but the standout deal is a $28 discount on the Roav Viva, a car charger with two USB ports and Amazon's Alexa built inside. I tested the Viva for myself a few months ago, and it hasn't left my car since.

    Shop Anker's car accessories sale.

    Sapira Mattress

    8. Sapira's mattresses are $225 off and come with a free pillow

    Several mattress startups have popped up recently, but after testing a lot of them, our reviewer decided that Sapira's was the best of the bunch. It starts at $995 for a twin, which is more than most of its competition, because it uses a combination of memory foam and inner springs to provide the perfect level of support. Right now, you can save $225 on any Sapira mattress and get a free Leesa pillow (regularly $75) thanks to a pre-Black Friday sale. But don't delay, the sale ends tonight.

    Shop Sapira's Mattresses here.

    West Elm Sofa

    9. Save up to 40% on couches and sectionals at West Elm

    West Elm has impressed us with its well-made furniture and bedding, and right now, you can save up to 40% on its sofas, sectionals, and chairs. The sale includes in-stock and made-to-order selections, and most items come with free "white glove service," which includes bringing the furniture into your home and assembling it for you. This deal ends tonight, so if you've been looking to upgrade from the couch you've used since college, now's your chance.

    Shop West Elm's sale here.

    SEE ALSO: Black Friday 2018: Insider Picks is going to handpick the best deals for readers all day long

    Join the conversation about this story »

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    Facebook down

    • Facebook went down for some users on Monday afternoon. 
    • As of press time, reported more than 1000 instances of issues connecting to the site.

    If you're having trouble connecting to Facebook, you're not alone. The site appeared to go down Monday afternoon, and more than 1,000 people promptly reported connection issues on, a website that tracks site downtime. 

    On DownDetector's live map, the issue appeared to be concentrated on the East coast of the US. 

    Many took to social media websites like Twitter to report the outage.

    This story is developing — check back for updates. 

    Join the conversation about this story »

    NOW WATCH: A running coach explains how to get through the NYC marathon this weekend

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    home depot

    • Home Depot will kick off its in-store sales event at 6 a.m. on Black Friday, which falls on November 23 this year.
    • The retailer will keep its stores closed on Thanksgiving.
    • On the home improvement retailer's website, online Black Friday deals will unroll at 6:00 a.m. ET.

    Home Depot is starting up its in-store Black Friday sales early on November 23.

    The home improvement retailer will open its doors at 6 a.m. on Black Friday. A company spokesperson told Business Insider that the stores will also close at their regularly scheduled times.

    Unlike many other retailers, the company's doors will remain shut on Thanksgiving Day this year.

    Home Depot's online Black Friday deals will roll out on the retailer's website at 6:00 a.m. ET on Black Friday.

    Read more: What you need to know about Black Friday this year

    Home Depot's website promises shoppers plenty of deals on power tools, electronics, lighting, furniture, appliances and holiday decorations.

    The company recommends downloading Home Depot's product locator app in order to better navigate stores. The app provides customers with store maps and inventory lists.

    Home Depot also advises shoppers to keep "in the know" by signing up for savings alerts and text alerts, following the brand on Facebook and Twitter, and getting a hold of the company's Black Friday ad.

    Read more about Black Friday 2018:

    SEE ALSO: Americans are pumping the brakes on home remodeling, and that might spell bad news for Home Depot and Lowe's

    DON'T MISS: Home Depot employees share 10 insider facts many shoppers don't know

    Join the conversation about this story »

    NOW WATCH: This new solar-powered home development store is coming after Home Depot

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    Xbox vs Playstation

    Holding out for a PlayStation 4 this holiday? Perhaps you're waiting on a killer Xbox One X deal? Or maybe you just want to complete your set of both major game consoles from Sony and Microsoft?

    No matter who you are, there are great deals to be found on every model of PlayStation 4 and Xbox One this holiday — from the base level PlayStation 4 "Slim" and Xbox One S to the super-powerful/super-expensive Xbox One X. 

    Here's everything you need to know to be ready for this year's biggest Black Friday video game console deals:

    SEE ALSO: Xbox announced a bunch of new stuff over the weekend — here are the 8 things to get excited about

    1. The PlayStation 4 with a free copy of "Spider-Man" is maybe the best deal of all this holiday.

    The PlayStation 4 usually costs somewhere in the ballpark of $300. You can find them with games included for a slightly better deal, and you can buy used PS4 consoles that cost less — but the general price for a new PlayStation 4 is about $300.

    During the week of November 18 to November 26, that price is dropping by $100 outright. 

    To be clear: You can buy a PlayStation 4 for just $200 during the week of Black Friday

    That alone is a super good deal; that it comes with one of the best games of 2018 is a huge bonus. "Spider-Man" on PlayStation 4 is excellent— a game that anyone with a PlayStation 4 should play regardless of their interest in the comic books/movies of the same name. 

    There are a bunch of other great deals from Sony, from game discounts to PlayStation VR bundle discounts. Check out the full video from Sony right here:

    Youtube Embed:
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    2. The Xbox One X for $400 is the first major discount on the most powerful home game console available.

    The Xbox One X — the beefed-up version of the Xbox One released just last year — is a powerhouse. It's whisper quiet, capable of producing 4K visuals, and shockingly tiny. It's also very expensive, starting at $500 without any games included.

    But during Microsoft's Black Friday sales week, November 18 to November 26, the console is getting its first major price drop: You can snag the Xbox One X for just $400.

    Still expensive? Yes! But significantly less expensive than it once was.

    See the rest of the story at Business Insider

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    Sudip Bose Portraits (2)

    • Dr. Sudip Bose is a former major in the US army and is an Iraq warveteran
    • In 2002, he achieved a near perfect score on the medical board exam. To prepare, Dr. Bose would quiz himself frequently, spacing out information and scrambling the order in which he learned it.
    • He told Business Insider how he uses those same memory today tricks to remember names or give presentations as a public speaker.

    The human brain has 100 billion neurons making trillions of connections — but somehow, you still can't remember your new coworker's name. 

    "I remember things in ridiculous ways," Dr. Sudip Bose told Business Insider. "I mean, I have a mnemonic to get dressed in the morning, like UPS: underwear, pants, socks."

    In 2002, Dr. Bose achieved a near-perfect score on the medical board exam, out-scoring 3,650 other test takers. To prepare, he would quiz himself frequently, spacing out information and scrambling the order in which he learned it.  Dr. Bose is also a former major in the US army (he's an Iraq war veteran known for treating Saddam Hussein after US capture), and he told Business Insider a lot of his memorization techniques came from military training — he would picture his drill sergeant in front of him when he studied. 

    Today, he uses the memory tricks he learned as a student to remember names or give presentations as a public speaker. Here are his go-to strategies:

    First of all, relax

    A lot of learning is unconscious, and relaxing about a subject makes it easier to learn.

    "If you're like 'I gotta memorize this, I gotta memorize this' it makes it harder. So I think one thing is finding relaxation," Dr. Bose said.

    Make the information matter to you

    When Dr. Bose was in high school, he said history bored him to the point of drooling puddles over his textbook. But as he learned more about his connections to history — his father was a history buff and grandfather was a freedom fighter in India — he began to care more.

    And medicine, he remembers, became very real to him when we went to combat. "I have to learn this stuff," he remembers telling himself, "because someone is going to be in front of me and they'll die if I don't know it."

    Read more:  I'm an ER doctor who runs my own company, and my best health advice and business advice is the same

    Create visual or sensory association

    "Work with the memory," he said. "Think of the memory like a scratch pad or dry erase board and play with it. Make associations, draw pictures — not just reading with a highlighter, but actively working with the material. And then when you're working with it, make associations: visual, auditory, gustatory, olfactory."

    Pay attention to what you're learning

    It may seem obvious, but Dr. Bose said it's important to pay attention in the first place. 

    "We've all been in that situation where it's like, 'Hey I'm Tom, nice to meet you,' da da da and 30 seconds later you're like, 'what was his name again?'"

    He continued: "You have to focus on the person's name, actually pay attention when they're saying it, and then you have to repeat it. Like, 'Hey, what do you do Tom? Do you prefer Tom or Thomas?'" Dr. Bose said.

    Repeat it

    It's easy to remember something for a few minutes, or even hours at a time. It's much harder to recall your memories after time has passed.

    "Sitting there reading it with a highlighter underlining, there's only so far that will go," Dr. Bose said. "Maybe that will get it into short term memory, but then allow yourself to forget it and be retested on it — and in a different format."

    He compared it to learning a dance routine: Instead of practicing from the beginning every time, it's more effective to practice small pieces out of order until you're familiar with each combination of steps.

    Embrace the discomfort of learning

    "The people who struggle more with the knowledge actually remember it more," Dr. Bose said. He explained that quizzing or repeated testing (though uncomfortable!) makes a big difference in whether you can recall something later. 

    "When I study something," he continued, "I work with the material, I apply it to something, I relax about it, I test, I forget it, and then come back to it and really work with the discomfort of being like 'shoot, I don't remember this.'"

    "Whatever your career is, or if you're just living your life, the act of learning, lifelong learning, and memorization is a big component," said Dr. Bose. "It never stops."

    SEE ALSO: I turned the 3-step process that saves lives in the ER into a system that helps me solve problems as a CEO

    DON'T MISS: I'm an ER doctor who runs my own company, and my best health advice and business advice is the same

    Join the conversation about this story »

    NOW WATCH: A memory champion who has memorized 10,000 digits of pi reveals how to improve your memory in minutes

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    • In a recently resurfaced photo from last year's prom, a group of boys at Bamboo High School in Wisconsin made the Nazi salute.
    • The school district said it is "investigating" the incident "and will pursue any and all available and appropriate actions, including legal, to address."
    • One student said the pose was the photographer's idea.
    • The photo was circulated Sunday after it was posted by the since-deleted account @GoBaraboo, with the caption, "We even got the black kid to throw it up #BarabooProud."

    A school district in Wisconsin says it is investigating a now-viral picture in which a group of high school students made the Nazi salute before prom last spring.

    According to reports, dozens of students who are members of the Baraboo High School class of 2019 posed as such before a dance last spring. At the time, they were high school juniors.

    But prom was months ago. So why is this picture resurfacing now, in November?

    On Sunday night, the picture was posted to the since-deleted Twitter account @GoBaraboo. "We even got the black kid to throw it up #barabooproud," the tweet said.

    welcome to baraboo

    It's unclear who ran the since-shuttered account.

    Read more:Most Americans think Trump has encouraged white supremacists, and some are worried he has become a 'legitimizing voice' for hate groups

    One student says the photographer encouraged the pose.

    Although most in the picture are smiling and appear to be enthusiastic, not everyone seemed so happy to be there.

    One BHS student, Jordan Blue, told journalist Jules Suzdaltsev that he felt uncomfortable with the pose, which he said was the hired photographer's idea.

    "I couldn't leave the photo as it was taken within 5 seconds," Blue explained of his frozen, pained expression. "The photographer took the photos telling us to make the sign, I knew what my morals were and it was not to salute something I firmly didn't believe in." 

    Although they have since been taken down, the prom pictures were previously available on the website for Wheel Memories, a local motorcycle photography business run by Peter Gust and his family. The pictures are still available via the Wayback Machine. Now, in their place, Wheel Memories has uploaded a statement addressing the removal of the photos

    "Due malevolent behavior on the part of some in society; this page has been modified," the page says. "It is too bad that there are those in society who can and do take the time to be jerks; knowingly and willingly to be jerks! The internet can be a wonderful tool but for some there is an overwhelming urge to destroy."

    bhs statement

    The statement concludes with an apology: "To anyone that was hurt I sincerely apologize."

    The school district says it is investigating the photo.

    In a statement on Twitter, the school district said it is looking into the situation.

    "The photo of students posted to #BarabooProud is not reflective of the educational values and beliefs of the School District of Baraboo," the district wrote on the platform. "We are investigating and will pursue any and all available and appropriate actions, including legal, to address."

    Lori Mueller, the superintendent echoed that statement on her Twitter account. Mueller declined to comment further on the matter to INSIDER, as the investigation is still ongoing.

    On Monday morning, the following was sent to Baraboo School District families in response to the now-viral photo. In the letter, Mueller said that the photo was not taken on school property or at a school property. 

    "If this gesture is what it appears to be, the district will pursue any and all available and appropriate actions, including legal, to address the issue," Mueller wrote. 

    She concluded the letter and press release: "The Baraboo school district is a hate-free environment where all people, regardless of race, color, religion, creed, sex, sexual orientation, gender identity, national origin, or ancestry, are respected and celebrated."

    This isn't the first controversy to come out of a high school in the US this year. In Utah, a high school made waves for holding a Men's Week featuring sexist signs about women belonging in the kitchen. Then, in Alabama six students were criticized posting a picture themselves standing on a black student who was lying face down on the floor, with the caption, "we got us one."

    A representative for Wheel Memories and Jordan Blue didn't immediately respond to INSIDER's request for comment.

    Visit INSIDER's homepage for more.

    Join the conversation about this story »

    NOW WATCH: The dangerous mistake people make about heart attacks is assuming the signs are the same for everyone

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    J-20 stealth fighters of PLA Air Force perform with open weapon bays during the Zhuhai Airshow

    • A pair of Chengdu J-20 stealth fighters performed a demonstration flight at China's largest aviation expo with their missile bays open, showing off the onboard weapons for the first time.
    • The fighter carries four medium-to-long-range air-to-air missiles and two short-to-intermediate-range missiles.
    • Chinese experts say that the powerful aircraft can rival America's F-35 and F-22 stealth fighters, although its capabilities have never been tested in combat.

    China's most advanced stealth fighter showed off its six onboard missiles for the first time on Sunday at the country's largest airshow.

    A pair of Chengdu J-20 stealth fighters tore across the sky with their missile bays open during a demonstration flight on the last day of Airshow China 2018 in Zhuhai, Guangdong, China.

    The flight coincided with the 69th anniversary of the founding of the Chinese air force.

    In the main bays, the J-20 appears to be carrying four beyond-visual-range PL-15 medium-to-long-range air-to-air missiles, according to The War Zone. On the sides of the aircraft are a pair of lethal PL-10 short-to-intermediate-range air-to-air missiles that could prove useful in a dogfight, as well as engagements on the edge of visual range.

    The government-controlled Global Times, citing Chinese experts, argued that "the move displayed the J-20's superiority" over US stealth fighters like the F-35 and F-22 and the growing confidence of the People's Liberation Army.

    Chinese experts criticized the F-22 for its outdated technology and the F-35 for its inherent defects. One expert, Song Zhongping, previouslycommented that "the J-20 will engage with rivals in the future who dare to provoke China in the air."

    While the Chinese stealth fighter has participated in combat training exercises, the J-20, unlike its American counterparts, has never been deployed in actual combat.

    It is also held back by its inferior engine technology. The aircraft was expected to receive a new engine, but it remains unreliable in testing, indicating that for now, the pride of the Chinese air force continues to depend on Russia for its engine technology.

    With upgraded engines, the J-20 will likely become a much more capable weapon.

    Join the conversation about this story »

    NOW WATCH: The true story behind Boston gangster Whitey Bulger

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    • Stocks were lower Monday for a third straight day.
    • Technology was pressured amid worries of slowing iPhone demand.
    • Oil gained as Saudi Arabia signaled it would cut production in December.

    Stocks fell for a third straight day Monday, with technology leading the way lower amid worries about waning iPhone demand.

    The Nasdaq Composite fell 2.3%, while the S&P 500 lost 1.4% and the Dow Jones Industrial Average was lower by 1.9%. The Dow was down almost 500 points.

    Apple sank 4.5% Monday after the facial-recognition supplier Lumentum cut its outlook, prompting worries of slowing demand for the iPhone.

    Chipmakers were hit especially hard, with AMD shedding 8.9% while Nvidia and Intel lost 7.4% and 2.5%.

    Elsewhere, tobacco stocks were pressured after The Wall Street Journal reported late Friday that the US Food and Drug Administration was considering a ban on menthol cigarettes. British American Tobacco slumped as much as 11.7% in London, and Altria was down 2% in New York.

    And General Electric plunged to a post-financial-crisis low of $7.72 a share after CEO Larry Culp appeared on CNBC and said he was looking at selling assets to reduce leverage. 

    On the earnings front, the marijuana producer Aurora Cannabis announced a big jump in revenue and profit, but shares slid 3.6%.

    And in deal news, the German database giant SAP announced it would buy the experience-management startup Qualtrics for $8 billion. That news came just days before Qualtrics was expected to go public at a valuation of more than $5 billion. Meanwhile, the private-equity firm Veritas Capital and the hedge fund Elliott Management reached an all-cash deal to purchase the US healthcare software maker Athenahealth for about $5.7 billion, a 12% premium to where shares closed Friday.

    Elsewhere, the Saudi energy minister, Khalid al-Falih, told reporters the kingdom was ready to cut oil production by 500,000 barrels a day in December. West Texas Intermediate crude oil, the US benchmark, and Brent Crude oil, the international benchmark, rallied 0.8% and 1.3%.

    The US Treasury market was closed in observance of Veterans Day.

    Join the conversation about this story »

    NOW WATCH: A sleep expert explains what happens to your body and brain if you don't get enough sleep

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    Sam's Club shopper

    • Sam's Club will open its doors to Black Friday shoppers at 7 a.m. on Friday, November 23.
    • Online deals will kick off at 12:01 a.m. on Thanksgiving Day.
    • The warehouse retailer has already listed deals on high-ticket products.

    Sam's Club members can take advantage of in-store Black Friday deals starting at 7 a.m. on Friday, November 23.

    But early-bird shoppers and night-owl internet surfers alike also have the opportunity to shop on the Walmart-owned retailer's website for deals before that. Black Friday sales will launch on Sam's Club's website starting at 12:01 a.m. on Thanksgiving.

    Read moreWalmart is kicking off Black Friday on Thanksgiving with millions of free cookies and cups of coffee

    The warehouse club's Black Friday ad currently boasts deals on products like Roombas, PlayStations, Xboxes, cameras, digital toothbrushes, and diamond earrings.

    Sam's Club advised members to check back on November 22 to see event pricing. A notice on the company's website also said that "some items may not be available until then." The catalog also noted that these special event prices will only be available from November 22 to November 25.

    Read more about Black Friday 2018:

    SEE ALSO: Walmart is kicking off Black Friday on Thanksgiving with millions of free cookies and cups of coffee

    DON'T MISS: The 'backbone' of Walmart's business is fading — but it was likely an inevitable shift for the retail giant

    Join the conversation about this story »

    NOW WATCH: Walmart undercut Amazon's most valuable perk

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    GettyImages 578053020

    • A new study by researchers at the University of Pennsylvania found that limiting one's social media usage to 30 minutes per day can lead to significant improvements in your well-being. 
    • Specifically, less time on social media can lower rates of depression and loneliness. 
    • The study is one of the first to show a cause-and-effect relationship between social media usage and mental health issues.

    A new study by researchers at the University of Pennsylvania found that limiting one's social media usage to 30 minutes per day can lead to significant improvement's in well-being.

    Specifically, less time scrolling through photos of friends and old high school acquaintances can lower rates depression and loneliness. 

    The study — which was published in December’s Journal of Social and Clinical Psychology — was one of the first to show a cause-and-effect relationship between social media usage and mental health issues. Most studies previously  on the subject have shown only a correlation between the two. 

    In the study, 143 undergraduate students were tested over the course of two semesters. The students were either put into a group that was instructed to limit their social media usage on Facebook, Instagram and Snapchat to 30 minutes per day, total, with 10 minutes each per platform, or assigned to a control group, where they were allowed to carry on with their normal social media habits.

    After three weeks, the students were asked questions to assess their mental health across seven different areas, including: social support, fear of missing out (also known as FOMO), loneliness, autonomy and self-acceptance, anxiety, depression, and self-esteem.

    “Here’s the bottom line,” the lead researcher for the study, Melissa Hunt, told Science Daily. “Using less social media than you normally would leads to significant decreases in both depression and loneliness. These effects are particularly pronounced for folks who were more depressed when they came into the study.”

    Read more: Startups are pioneering a dramatic shift in how we spot and treat depression — and you can try some of their new tools right now

    Neither of the groups showed improvements in social support, self-esteem, or autonomy and self-acceptance. However in both groups — perhaps by simply being a part of the study — students found their levels of anxiety and FOMO decline. In general, it's important to remember that studies like these can't test for every single factor that can affect mental health.

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    Singapore Airlines Airbus A380

    • Singapore Airlines has been named the best airline in the world for 2019 by
    • Singapore's victory ends Air New Zealand's five-year run atop the rankings.
    • evaluated airlines based on 12 criteria including fleet age, passenger reviews, product offerings, and profitability.
    • No airlines from Europe and North America made it into the top 10. 

    Singapore Airlines has been named the best airline in the world for 2019 by The Perth, Australia-based aviation website made the announcement on Tuesday as part of its annual Airline Excellence Awards.

    "In our objective analysis, Singapore Airlines came out number one in many of our audit criteria, which is a great performance," CEO and editor-in-chief Geoffrey Thomas said in a statement. "For years Singapore Airlines has been the gold standard and now it is back to its best leading in passenger innovations and new state-of-the-art aircraft models."

    Read more: We flew on the longest flight in the world in both business class and premium economy to see how they compare — here's what we discovered.

    The awards are adjudicated by the publication's seven editors using 12 majoring criteria including fleet age, passenger reviews, profitability, investment rating, product offerings, and staff relations. 

    Singapore's victory ends Air New Zealand's five-year run atop the website's rankings. Fortunately, Air New Zealand didn't slip far down the list. It finished in second place. 

    The editors at AirlineRatings praised Singapore Airlines for its industry-leading in-flight service as well as its introduction of new aircraft types like the Boeing 787-10 Dreamliner and the Airbus A350-900 ULR. In addition, the airline earned plaudits for its revamped interiors, its operation safety, and the relaunch of its non-stop service between Singapore and New York — the longest scheduled passenger flight in the world

    No airlines from Europe and North America made it into the top 10. 

    Here's a closer look at the best airlines in the world:

    SEE ALSO: The 20 safest airlines in the world

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    10. Japan Airlines.

    9. Cathay Pacific Airways

    8. EVA Air

    See the rest of the story at Business Insider

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    facebook ceo mark zuckerberg

    • Large-cap growth companies have been among the biggest losers of the stock market's declines since early October. 
    • This trend was to be expected because investors had overpaid for growth stocks relative to their probable future cash flows, according to Daniel Needham, the chief investment officer of Morningstar Investment Management.
    • In an interview with Business Insider, Needham outlined what investors should be doing as growth rates and investor returns slowly fall. 

    Large tech companies were once again at the forefront of the stock market's losses on Monday.

    Their slump since early October is representative of the broader decline in high-growth stocks — a group that, until recently, dominated the returns investors earned during this bull market.  

    Daniel Needham, who oversees $207 billion as the CIO of Morningstar Investment Management, sees their decline as the inevitable outcome of a market that got overpriced relative to sustainable cash flows. 

    Investors have "significantly overpaid" for growth stocks, creating an unsustainable gap with the broader market, Needham told Business Insider in an exclusive interview.

    For proof of this assertion, he points to the question of whether growth stocks are cheap relative to history. Depending on who you ask and what metric you look at — like the ratio of enterprise value to sales, for example — tech stocks have been enriched with dotcom bubble-like valuations during this bull market. 

    "These are great companies, but what matters isn't what gets delivered — it's what's in the price," he said. "If great companies are priced to be invincible companies, they can be a really bad investment."

    What normally follows such exuberance is a slow decline in the growth rates that made the stocks attractive to investors in the first place, Needham said.

    Big tech is already showing what happens when expectations get reined in. Facebook, Amazon, and Apple were among the growth companies that missed expectations for growth when they reported third-quarter earnings in October. 

    The sell-off in growth stocks has helped to lower the lofty valuations that skeptics have been decrying all along. However, this has not automatically created the incentive to buy. Needham noted that while large-cap tech has cheapened, so have other sectors of the market and regions of the world. This means growth is cheaper on an absolute basis, but not necessarily relative to its alternatives. 

    Investors who have stuck with growth in the nine-year-plus bull market have enjoyed the best returns. That's a reason to be cautious about timing the market incorrectly by exiting too far ahead of the next bear market. Moreover, the biggest gains have historically come in a bull market's latter stages. 

    Needham's message to investors with this concern is to gradually turn more defensive.

    "Even if the rally continues, each incremental return is going to get riskier," he said. "If you're investing for the full range of outcomes, then you should recognize that there's a future that could be quite painful, and so that would warrant more defensive positioning." 

    He's not advocating for an all-or-nothing allocation to stocks. Rather, investors should figure out how much downside they're willing to tolerate in their portfolios and then invest accordingly.  

    "The more asset prices fall, the more excited we get," Needham said. "To quote Warren Buffett, not because we like pessimism, but because we like the prices that pessimism brings."

    Besides narrowing their gap with the broader stock market, high-growth companies are also on track to curb their outperformance relative to value stocks — or those trading at much cheaper prices relative to their intrinsic worth and fundamentals like earnings, Needham said.

    He's not the only investor who thinks value stocks have been so maligned that they're poised for a rebound. Strategists at Societe Generale have also made the case for the resurgence of this investing factor, arguing that value stocks have been an effective hedge against the steepest market drawdowns since the 1920s.

    They added that if the mood in global markets continues turning more bearish, value stocks will be appealing to investors who are wary of overpaying for future earnings growth.

    SEE ALSO: A $2 trillion strategist warns that a trap has formed in the biggest tech stocks — and pinpoints where you should put your money instead

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    crying hug enabler

    • Many addicts have an enabler.
    • This is a person who excuses their behaviour and impedes their recovery.
    • An enabler thinks they're being kind by helping an addict through their tough times.
    • But in reality, they're just making things worse.

    Addiction isn't just damaging to the addict — the people around them also suffer.

    While some friends and family of addicts will repeatedly try and get them help, others are referred to as "enablers."

    Enabling, according to Psych Central, is "removing the natural consequences to the addict of his or her behaviour." Essentially, an enabler will look the other way or make excuses for the addict's behaviour, allowing them to continue deeper into their cycle of destruction.

    While the enabler may feel they are being kind by excusing their friend or family member, in the long run they're delaying the inevitable.

    Read more:There's a strong link between abuse and addiction — here's why people get stuck in toxic cycles

    "Evidence has shown that an addict experiencing the damaging consequences of his addiction on his life has the most powerful incentive to change," Psych Central reads. "Often this is when the addict 'hits bottom' — a term commonly referred to in Alcoholics Anonymous."

    Enablers are often codependent, and feel like they need to solve other people's problems. With addicts, a codependent person will end up taking on their responsibilities, while the addict does less and less.

    Some enabling actions include giving the addict money, repairing their property or belongings they broke, lying to cover up the addict's behaviour, fulfilling the addict's commitments and responsibilities, taking phone calls for the addict, making excuses, or even bailing them out of jail.

    Addiction treatment center Reflections has created a 14-question quiz on its website that you can take if you fear you're an enabler for someone. Some of the questions include "Do you ever tell lies on behalf of your loved one to protect them from a consequences, even if they did not ask you to do so?" and "Do you ever blame yourself for your loved one's bad behavior?"

    You can take the quiz here.

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    Who could Cowboy Cerrone fight next, Conor McGregor.JPG

    • Donald "Cowboy" Cerrone has now won more matches than any other fighter in UFC history.
    • Cerrone walked his four-month old son to the octagon on Saturday, broke his opponent's arm in the first round, then held his baby up to the sky like a scene from "The Lion King."
    • As a reward for making history, Cerrone could land a big-money fight against Conor McGregor.

    Donald "Cowboy" Cerrone has made UFC history and could be rewarded with a big-money fight against Conor McGregor.

    The 35-year-old, a veteran of the octagon, submitted Mike Perry at a UFC: Fight Night event in Denver, Colorado on November 11.

    The win punctuated Cerrone's longevity in mixed martial arts as it propelled him past Michael Bisping and Georges St.Pierre to become the figher who has won more matches than anyone else in UFC history.

    Cerrone now has 21 victories in a UFC octagon, with 15 finishes before the bell — and both of these accomplishments are all-time UFC records.

    The night could not have gone better for Cerrone. The kickboxer, a new father, walked to the cage alongside his four-month old son, who was dressed like his famous prizefighting dad and even wore a UFC-style belt.

    Cerrone romped to a thrilling first round victory with a submission that broke Perry's arm, celebrated in the middle of the cage by holding his son up to the sky "Lion King"-style, and then walked out of the arena with his grandmother in tow — and he did it all in front of his own fans in his home town.

    But the good news for Cerrone might not end there.

    Now, he has been promised an "exciting" opponent by the UFC, and the Irish Mirror believes that opponent is McGregor.

    "There is someone, they already came up and told me,"Cerrone grinned, according to the Irish Mirror. "There's your clickbait. They told me the who for once in my life first. It's very exciting. Guy's very exciting. You'll like it. You'll all like it."

    The bout would be competed at 155 pounds and could include McGregor, the Irish striker who was recently dominated by Khabib Nurmagomedov at UFC 229.

    The Irish Mirror even reports that the two fighters have exchanged unpleasantries before, when Cerrone called McGregor "English" at a press conference in 2015. McGregor slapped Cerrone down by claiming he was "too slow" and also "stiff."

    Conor McGregor and Khabib Nurmagomedov fight

    McGregor has been actively campaigning for a rematch against Nurmagomedov but understands he may have to settle for competing against "the next in line."

    And after Cerrone's recent headline-grabbing victory, that "next in line" could be him.

    SEE ALSO: Conor McGregor says nothing is more embarrassing than getting your 'a-- whooped on national TV'

    DON'T MISS: Conor McGregor and Khabib Nurmagomedov have been issued a stark ultimatum that could tank their careers

    UP NEXT: Conor McGregor says he'll return to boxing and wants to fight the guy who has been mercilessly trolling him for over a year

    Join the conversation about this story »

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    boeing 737 cockpit

    • US aviation groups, including the Federal Aviation Authority, say Boeing didn't tell them about a device they added to their 737 MAX aricraft which may have contributed to the deadly Lion Air crash.
    • The new device, called an Angle of Attack (AOA) sensor was added to MAX 8 and 9 models to stop it from stalling mid-air.
    • According to the Indonesian National Transportation Safety Committee erroneous AOA sensor readings may have triggered an abrupt dive that brought down the Boeing 737 MAX 8 Lion Air Flight JT610 in October.
    • The Lion Air flight JT610 crashed into the Java Sea, off Indonesia, on October 29, killing all 189 people

    US aviation safety experts and pilots associations say Boeing didn't tell them about a new flight-control system on 737 MAX aircraft, a sensor which Indonesian officials think could be involved in the deadly Lion Air crash.

    Jon Weaks, president of the Southwest Airlines Pilots Association, said they "were kept in the dark" by Boeing, The Seattle Times and Wall Street Journal (WSJ) reported on Monday.  

    Weaks said: "We do not like the fact that a new system was put on the aircraft and wasn’t disclosed to anyone or put in the manuals."

    The system Weaks says they weren't told about is an automated stall-prevention system on Boeing 737 MAX 8 and MAX 9 planes.lion air

    The system pushes the nose of the aircraft down when a device called the Angle of Attack (AOA) sensor, which is on the outside of the plane, feels the aircraft is facing up too much which could make it stall.

    This device can then force the plane downwards to avoid a stall, but to such a degree that pilots can't pull the aircraft back level.

    According to the Indonesian National Transportation Safety Committee erroneous AOA sensor readings may have triggered an abrupt dive that brought down Lion Air Flight JT610 in October.

    In a Boeing bulletin about the Lion Air crash, they spoke about the system designed to prevent a plane stalling, and said it could make the plane dive if bad data was provided — they warned pilots about an "erroneous input" from the sensor.

    Captain Mike Michaelis, chairman of the safety committee for the Allied Pilots Association representing about 15,000 American Airlines pilots said: "It’s pretty asinine for them to put a system on an airplane and not tell the pilots who are operating the airplane, especially when it deals with flight controls," The WSJ reported.

    He said: "Why weren’t they trained on it?"

    Read more: Heartbreaking photos show shoes belonging to Lion Air crash victims piled up at the recovery site.

    A Federal Aviation Authority (FAA) manager familiar with the case also told the WSJ the new AOA sensor wasn't highlighted in training materials or during meetings between airlines and regulators.

    Boeing told airlines in a briefing around a week after the crash that this situation, where the AOA sensor pushed the plane down, could end in a crash, an aviation safety expert with knowledge of the briefing told The Wall Street Journal. 

    The Lion Air flight JT610 crashed into the Java Sea, off Indonesia, on October 29, killing all 189 people onboard.

    Rescue crews have called off the search for evidence and survivors, and have located the black box which stores flight data and may give clues to explaining the crash

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    South China tiger

    • Chinese officials appear to have walked back on a widely panned scheme to reopen the trade in rhino and tiger bones.
    • However, the policy change is more of an open-ended postponement, rather than a cancellation.
    • The move follows the controversial October circular that tossed out a 25-year ban on rhino and tiger products, enraging conservationists and wildlife groups around the world.

    Chinese officials appear to have walked back on China's widely panned scheme to reopen the trade on rhino and tiger bones.

    It came after a controversial government notice, issued last month, tossed out a 25-year ban on rhino and tiger products, enraging conservationists and wildlife groups around the world.

    The October notice threatened to open the floodgates to the lucrative black market trade in exotic animal parts, and reignited demand for tiger and rhino byproducts.

    But on Monday, a senior official at China's State Council — the cabinet of the Chinese government — issued an esoteric statement announcing that the decision to lift the ban was now postponed. And the explanation is far from clear.

    "The issuance of the detailed regulations for implementation has been postponed after study," Ding Xuedong, a recently-appointed deputy secretary-general at China's State Council, told the state-run Xinhua news agency on Monday, in an interview translated on

    He added that the council would allow for the regulated use of tiger and rhino parts for scientific research, sales of cultural relics, and medical research or in healing.

    In other words, the policy change is not a full 180-degree pivot, but more of a bureaucratic holding pattern following unanticipated popular blowback.

    rhino horn thailand customs

    The unexpected October circular seemed to walk back on China's recent and historic commitments to wildlife protection. Only last year China placed a long-awaited ban on the trade in ivory, extending a much-needed lifeline to endangered species.

    Perhaps following the widely-lambasted decision to lift rhino and tiger trade last month, Ding on Monday told Xinhua that China would continue to enforce its "three strict bans" on the trade, transport, and use of rhino and tiger products.

    He said:

    "Relevant departments of the Chinese government will soon continue to organize special crackdown campaigns with focus on addressing the illegal trade of rhinos, tigers and their byproducts.

    "Once again, I would like to reiterate that the Chinese government is willing to work with the international community to jointly strive for protecting wildlife and building our harmonious and beautiful planet."

    Ding went on to vow that any illegal acts will be "dealt with severely."

    China prohibited the trade of rhino horn and tiger bones in 1993, but perhaps as a consequence the price for rhino horn began to edge higher and peaked a few years ago at around $65,000 per kilogram.


    Today there are as many as 6,000 captive tigers in China, reportedly twice the global wild population, held privately in about 200 farms across China.

    The rhino horn and tiger parts have obvious connections to virility and strength, and have been used without Western scientific basis on ailments from back pain to arthritis.

    The horn is made of keratin, like human hair and fingernails, but has been associated with a salve for fever, a miracle cancer compound and a very expensive, rather wasteful hangover remedy.

    In China's modern commercial culture, these exoticized products can still retain their value and potency as a status symbol.

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    California wildfires

    Here is what you need to know.

    China is sending a senior official to the US to try to defuse the trade war. Chinese Vice Premier Liu He will fly to Washington with the hopes of meeting senior officials before the expected informal talks between President Donald Trump and Chinese President Xi Jinping on the sidelines of the G20 summit in Buenos Aires, Argentina.

    Trump is once again moving closer to imposing auto tariffs. Trump on Tuesday will meet with his trade team to discuss a Commerce Department report on auto tariffs, according to Bloomberg. He previously threatened to impose 25% tariffs on all autos and auto parts coming into the US as part of his negotiations with trading partners including the European Union and Canada.

    Morningstar's $207 billion CIO breaks down why investors have 'significantly overpaid' for the biggest tech stocks — and what they should be doing with their money. In an exclusive interview with Business Insider, Morningstar's chief investment officer, Daniel Needham, explains why he thinks investors should be looking at defensive stocks.

    General Electric hits a post-financial-crisis low. Shares touched $7.72 apiece — their lowest since March 2009 — after CEO Larry Culp told CNBC that he felt a sense of "urgency" to cut the company's leverage.

    Creditors urge Sears to shut down all of its stores. Unsecured creditors, in a filing, slammed the retailer's plan to stay in business as "nothing more than wishful thinking" and "an unjustified and foolhardy gamble with other people's money."

    AT&T is ending contracts with a group of dealers who sell DirecTV products. AT&T has notified many longtime residential dealers, who sell DirecTV products and services including satellite, broadband, and phone services, that their contracts will expire December 1.

    The world's biggest maker of bitcoin-mining hardware wants to go public, but there are questions over its profits. Bitmain, the world's largest manufacturer of chips in the machines used to mine bitcoin, in its filing to go public in Hong Kong, reported 2017 profits of $701.4 million, but the Financial Times reports previous funding rounds showed profits that were significantly higher.

    Wall Streeters are probably going to get bigger bonuses this year. Workers up and down Wall Street are in line for bigger bonuses this year, with equity traders set to see their extra pay up by as much as 20%, according to the compensation consultant Johnson Associates.

    Stock markets around the world are mixed. Japan's Nikkei (-2.06%) was hit hard in Asia, and Germany's DAX (+0.64%) leads the gains in Europe. The S&P 500 is set to open up 0.55% near 2,741.

    Earnings reports keep coming. Cronos, Home Depot, and Tyson Foods report ahead of the opening bell, while Tilray releases its quarter results after markets close.

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    Vivek Ramaswamy CEO of Axovant

    • Pharmaceutical company Roivant Sciences just raised $200 million at a $7 billion valuation. 
    • The funding included participation from NovaQuest Capital Management, RTW Investments, and institutional asset managers.
    • It comes a little more than a year after Roivant raised $1.1 billion in a round led by SoftBank's Vision Fund.

    A company known for developing drugs that other pharmaceutical companies have abandoned has raised an additional $200 million at a $7 billion valuation. 

    That's up 20% from the company's previous valuation of $5.6 billion, according to a source familiar with the matter.

    The funding included participation from new investors NovaQuest Capital Management and RTW Investments, and other institutional asset managers. Roivant said in a release that the round is expected to close in December. 

    The funding comes a little more than a year after the monster $1.1 billion round Roivant raised in 2017 in a round led by SoftBank's Vision Fund.

    Roivant, which was founded by 33-year-old CEO Vivek Ramaswamy, is a pharmaceutical company known for identifying experimental drugs other companies may have stopped developing for one reason or another that still have potential to get approved and on the market.

    So far, it's launched 14 subsidiary companies and has four public companies under its wings. Those include neurodegenerative disease drug developer Axovant,women's health company Myovant, and urology company Urovant. 

    Read more:Pharma veteran Jackie Fouse is leaving a SoftBank-backed biotech founded by a 33-year-old to run a cancer drugmaker

    It's been a critical year for Roivant. Its first company, Axovant, experienced trial failures with its lead Alzheimer's disease drug. Axovant has since discontinued that drug program and pivoted to developing a gene therapy for Parkinson's disease.

    One of Roivant's companies also had one of the biggest initial public offerings of the year: Urovant raised $140 million in September. 

    Roivant said in a release that it's expecting late-stage data from six of its clinical trials in 2019. 

    See also: 

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