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    khloe kardashian

    • On Sunday night's episode of "Keeping Up With The Kardashians," viewers saw what happened between Tristan Thompson and Khloe Kardashian in the delivery room.
    • As the episode aired, Khloe tweeted about her feelings on what was happening back in April when these events transpired.
    • In her tweets, Khloe admitted that she was "disgusted" by Tristan's actions.
    • Khloe also tweeted that although she respected her sisters' opinions on the situation, she also wanted to make her own decisions.

    On Sunday night's episode of "Keeping Up With The Kardashians,"Khloe Kardashian went into labor with her daughter, True Thompson. Even though she found out just days before that her boyfriend and baby's father, Tristan Thompson, was reportedly caught on video cheating on her, she still wanted him in the delivery room.

    Although her family respected her wishes and tried to remain polite with Tristan, it was still difficult for them not to hold a grudge — especially for Kim, who was the most open about her feelings on the situation. And when Khloe watched the episode along with fans, she tweeted about the way things unfolded from her perspective.

    Khloe originally said that she wasn't sure she was even going to watch, but ultimately decided to. 

    First, Khloe opened up about her decision to have Tristan in the delivery room with her, pointing out that it was because she wanted what was best for her daughter. As she said in one tweet, "a birth is not something you can 'redo'" so she didn't want to make any decisions she might regret.

    Khloe said she didn't want "to take that moment away from True or Tristan"

    khloe tristan hospital"Regardless of what Tristan did to me, I was never going to take that moment away from True or Tristan," she tweeted. "She should not be punished for his actions. He is her father and they both deserve to love one another as deeply as they possibly can."

    But that didn't mean that she wasn't upset about what had happened. She continued: "I made it very clear that I was still disgusted by his actions but I wasn't going to let ANYTHING ruin this moment I've been waiting for my ENTIRE life."

    In later tweets, Khloe also opened up about the way her sisters felt about Tristan. In the episode, Kim and Kourtney mentioned that they felt like Khloe was being too nice to Tristan and Khloe said she respects their opinions but ultimately made her own choice.

    "I love my sisters more than anything else in this world and I completely respect and honor their opinions," she tweeted. "But they were not there when I started going into labor and I told Tristan what I wanted for the delivery room."

    Regarding the private conversation that went down between Tristan and Khloe's family that wasn't filmed for the show? Khloe said that it was "WILD."

    "Lol it was crazy but my family has every right to express how they feel and they did just that!," she wrote.

    At the end of the episode, it was still unclear what Khloe planned to do when it came to her relationship, but she was able to take True home and get her settled in the Cleveland house she shared with Tristan.

    According to promos for next week's episode, "KUWTK" will likely continue to dive into what happened between Tristan and Khloe.

    For more great stories, head to INSIDER's homepage.

    Join the conversation about this story »

    NOW WATCH: Why you shouldn't be afraid to fly, according to a pilot with over 20 years of experience


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    Military working dog jumps out of helicopter

    When the members of the Navy's elite SEAL Team Six launched their raid into Osama bin Laden's compound, Cairo was one of the first to hit the ground

    The Belgian Malinois, one of the military's favorite breeds, went into battle outfitted similarly to his human counterparts, donning body armor, and high-tech eye wear called 'doggles.'

    Cairo, like the SEAL team he served alongside, gained immediate media attention. But he wasn't the first canine to join soldiers in battle; dogs have been an integral part of military units throughout history. Their natural skills and instincts, honed through intense training, make them proficient at locating bombs, weapons and drugs and, at times, finding and supplying wounded soldiers on the battlefield. 

    Here's a look at the ways militaries have used canines for operations, from aiding wounded troops to sniffing out bombs.

    'Canine couriers' carried messages from one post to another during World War I.



    This majestic-looking pug was given his own tiny pair of glasses and binoculars.



    Dogs were also trained to locate wounded soldiers on the battlefield.



    See the rest of the story at Business Insider

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

    M.Gemi

    Black Friday and Cyber Monday are generally synonymous with major savings on tech, mattresses, furniture, and other big purchases most people wait all year to make.

    But for some of us, the most exciting discounts are the ones on clothes, shoes, bags, and accessories. We may not wait all year to buy them, but there's still no better feeling that scoring a great deal on a coat you've been eyeing, or a wardrobe basic you've been meaning to stock up on anyway.

    Whether you're shopping for yourself or looking to check off your holiday gift list, I have no doubt you'll find what you're looking for in this roundup of women's fashion deals, which includes our favorite department stores (like Nordstrom) and clothing and accessory startups (like Dagne Dover, Bombas, M.Gemi, and Tommy John, to name a few). Below you'll find all the best stores and their Black Friday deals in alphabetical order. Plus, we'll continue to update this through Black Friday as we learn more information about deals.

    To potentially save more on Black Friday, visit Business Insider Coupons to find up-to-date promo codes for a range of online stores.

    womens fashion banner

    ADAY

    • Get an instant $20 back on every item you purchase from November 19-25. Shop thisisADAY.com

    Adidas:

    • Save up to 50% on shoes, apparel, gear, and more from November 20-27. Shop adidas.com.

    Andrew Marc:

    • Save up to 30% off current collection, plus 25% off sitewide with code "AMFRIDAY" from November 12-24, shop new markdowns plus an additional 30% off sitewide from November 25-28. Shop andrewmarc.com.

    AYR:

    • Find 50 final sale styles for 50% off, with new styles added throughout the same, from November 23-25. Shop ayr.com.

    Backcountry:

    • Save 30% on select gear and apparel from November 18-21, save 25% on one full-priced ArcTeryx item with code "TAKE25ARC" from November 19-26. Shop backcountry.com.

    Ban.do:

    • Save 30% sitewide (excluding Iconery) from November 22-27, with code "THIRTYOFF". Shop bando.com.

    Bombas:

    • Save 20% off the entire site from November 19-26. Shop bombas.com.

    Club Monaco

    • Take 25% off $150+, 30% off $250+, and 35% off $400+ from November 21-24, with code "CMBLACKFRIDAY18". Shop clubmonaco.com

    Cole Haan:

    • Save 50% on select styles and 30% on everything else from November 18-24. Shop colehaan.com.

    Cuyana:

    • On Black Friday, November 23, Cuyana will donate a percentage of sales to the victims of the fires in California. Shop cuyana.com.

    Dagne Dover:

    EyeBuyDirect:

    • November 19-30, buy one pair of frames and get the second free with promo code "GOBOGO" at checkout. Shop eyebuydirect.com.

    Filippo Loreti:

    • Save 20% on one watch, 25% on two watches, or 30% on three watches. Shop filippoloreti.com.

    Fossil:

    Frank and Oak:

    • November 21-25, save 30% off select styles with promo code "BLACKFRIDAY30".Plus, current subscription members can save up to 30% on the Style Plan from November 19 through December 16, with special bonus gifts included in each box. Shop frankandoak.com.

    GREATS:

    • Save 30% off sitewide with code "HOLIDAZE" from Black Friday through Cyber Monday. Shop greats.com.

    Happy Socks:

    • Save 40% on select products from November 19-26. Shop happysocks.com.

    Jomashop:

    • Save up to 75% sitewide. Plus, get a free Royce leather wallet on orders over $100 by using the promo code "FREEWALLET" at checkout. Shop jomashop.com.

    Levi's:

    • Save 40% on all items from November 21-26. You'll also find special daily offers during this time period. Shop levi.com.

    Linjer:

    • Save up to 50% on in-stock watches sitewide. Shop linjer.co.

    L.L.Bean:

    • November 21-27, save 20% on apparel and outerwear. Shop llbean.com.

    M.Gemi

    • Save 25% on any pair of shoes from November 23-26. Shop mgemi.com.

    Mackage:

    • Save up to 40% on select styles from November 22-25. Shop mackage.com.

    Mott & Bow:

    • New customers save 25% sitewide, 30% on orders of $200 or more, and 35% on orders of $300 or more with promo code "SHOPEARLY." Shop mottandbow.com.

    MVMT:

    • Until November 29, save up to 25% sitewide and get free shipping. Shop mvmtwatches.com.

    Naadam:

    • November 23, midnight through 3 p.m., save 25% on select full price styles with no promo code. From 3 p.m. until November 26, save 20% on any two styles using promo code "FRIYAY20." Shop naadam.com.

    Nike:

    • Save an extra 20% on sale styles with the promo code "THANKS" at checkout. Shop nike.com.

    Nisolo:

    • From November 22-24, save up to 60% off select shoe and bag styles. Shop nisolo.com.

    Nordstrom:

    • Save up to 60% on select items from November 21-26. Nordy Club Rewards card members can get extra points November 23-24. Shop nordstrom.com.

    Nordstrom Rack:

    • You'll find new deals on shoes, bags, and clothing every 24 hours from November 19-26. Shop nordstromrack.com.

    Primary:

    • Save 25% sitewide, plus get free shipping from November 21-26. Shop primary.com.

    PUMA:

    • Save up to 50% on select styles using the promo code "PUMANOV" at checkout. Shop puma.com.

    RAEN:

    • Save 40% on all eyewear, excluding sale items, from November 21-25. Shop raen.com.

    Rebag:

    • Take 15% off sitewide with code "BFRIDAY" from November 21 through Cyber Monday. Shop rebag.com.

    Rent the Runway:

    • Save 40% sitewide, including Update and Unlimited subscriptions and Reserve. Shop renttherunway.com.

    Rhone:

    • Save 25% off sitewide, plus take 35% off orders of $350 or more from November 21-25. Shop rhone.com.

    Richer Poorer:

    Senreve:

    • Get a free limited-edition bracelet pouch with purchases of $500 or more, starting Black Friday. Shop senreve.com.

    Soia & Kyo

    • Save up to 40% on select styles from November 22-25. Shop soiakyo.com.

    STATE Bags:

    • A portion of Black Friday proceeds will be donated to the Osborne Foundation. Shop statebags.com.

    Theory:

    • Spend and save at Theory. Get 20% off when you spend $200, 25% off $400, and 30% off $600. Shop theory.com.

    Timberland:

    • November 22-23, save 30% sitewide with no promo code needed. Shop timberland.com.

    Timex:

    • November 23-26, save 30% on everything. Shop timex.com.

    Tommy John:

    • Get 20% off sitewide when you spend $100 or more from November 22-26. On Black Friday and Cyber Monday, you'll find limited-edition styles. Shop tommyjohn.com.

    Looking for more deals? We've rounded up the best Black Friday and Cyber Monday deals on the internet.

    Join the conversation about this story »


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    The Insider Picks team writes about stuff we think you'll like. Business Insider and The Points Guy Affiliate Network receive a commission from card issuers if you apply through these links and are approved.

    Best Credit Cards October

    It's easy to earn credit card rewards points and frequent flyer miles on your everyday spending.

    Especially in 2018, as credit card issuers introduce increasingly rewarding products in order to compete with each other, all you need to do is use a card for your normal spending — and pay it off in full each month — and you can earn tons of bonus points in categories like grocery stores, dining, and travel. 

    However, the fastest and easiest way to earn a lot of points quickly — whether you're planning a big trip but don't have enough points yet, or you're just looking to build up your stash — is to open a new credit card that offers a lucrative welcome bonus.

    Credit card issuers offer huge bonuses to attract customers, and while each card may have different eligibility requirements, in most cases you can get the bonus as long as you haven't had that card before — or, in some cases, as long as you haven't had it in the past few years.

    With brand new, limited time offers available, along with reliable standbys, November is turning out to be a great month for the world of credit card rewards.

    You can read more about earning new card member bonuses and how that will affect your credit score here, or scroll down to find some of the best offers available this month.

    Keep in mind that we're focusing on the rewards and perks that make these cards great options, not things like interest rates and late fees, which can far outweigh the value of any rewards.

    When you're working to earn credit card rewards, it's important to practice financial discipline, like paying your balances off in full each month, making payments on time, and not spending more than you can afford to pay back. Basically, treat your credit card like a debit card.

    1. Capital One Venture Rewards Credit Card

    Capital_One_Venture_Photoshoot

    Sign-up bonus: 75,000 miles (after spending $5,000 in the first three months). For a limited time only.

    The Capital One Venture has historically been a useful card, thanks to a solid earning rate of 2x miles on everything, even though the rewards program was just...fine. Unlike cards offered by competitors, miles had a fixed value of 1¢ each toward travel purchases. Generally, transferable credit card points— those that you can transfer to an airline frequent flyer program, should you choose — are more valuable, thanks to the way that booking frequent flyer award tickets works. You can read more about that here.

    However, Capital One has announced that starting in December 2018, Venture cardholders will be able to transfer miles to 12 new airline partners, significantly increasing the potential value of each mile.

    Additionally, Capital One announced a new, limited-time sign-up bonus of 75,000 miles when you spend $5,000 in the first three months. That's worth at least $750 toward travel if you choose to redeem against a travel purchase, and potentially much more when you transfer to an airline frequent flyer program.

    Between the ability to transfer miles to airlines, and the limited-time sign-up bonus, this is one of the best cards available right now.

    The Capital One Venture earns miles at a rate of 2x per dollar spent on all purchases, and an incredible 10x points per dollar spent on hotel stays when you book and pay through Hotels.com/Venture. Hotels.com has its own loyalty program that rewards you with a free night after 10 paid nights, so that equates to a staggering 20% return on hotels.

    The card also offers a credit to enroll in TSA PreCheck or Global Entry. It has a $95 annual fee, which is waived the first year. 

    Click here to learn more about the Capital One Venture from Insider Picks' partner: The Points Guy.

    2. Capital One Spark Miles for Business

    Sign-up bonus: Up to 200,000 miles (50,000 miles after spending $5,000 in the first three months, and an additional 150,000 miles after spending $50,000 in the first six months). For a limited time only.

    Like the Venture, the Capital One Spark Miles is gaining the ability to transfer miles to 12 airline frequent flyer partners. Also like the Venture, the Spark Miles is offering a limited-time sign-up bonus to mark the change.

    Of course, the spending requirement to earn the full bonus — $50,000 in the first six months — is high, but it's definitely achievable for plenty of small- and medium-sized businesses — particularly those that lay out for materials, equipment, or services on behalf of a client.

    The Spark Miles is fairly similar to the Venture, aside from the fact that it's a business card rather than a personal one. It earns 2x miles on all purchases, with no limits, and has a $95 annual fee that's waived the first year.

    It was already a solid card; with the ability to transfer miles to airline partners, plus the massive sign-up bonus, the Spark Miles becomes a major player.

    Click here to learn more about the Capital One Spark Miles from Insider Picks' partner: The Points Guy.

    3. United Explorer Card

    Sign-up bonus: Up to 65,000 United miles (40,000 after spending $2,000 in the first three months, and an additional 25,000 miles after spending a total of $10,000 in the first six months). For a limited time only.

    Earlier this year, United and Chase re-launched their co-branded credit card, slightly changing the name, but more importantly, tweaking the benefits and improving how the card earns points. Previously, the card earned 2x miles on every dollar spent with United Airlines and 1x dollar on everything else. Now, the card also earns 2x points at restaurants and hotels. 

    This sign-up bonus is one of the best public offers we've ever seen on this card, but it's only available until January 8.

    The card offers a free checked bag when you use your card to purchase your tickets, priority boarding as long as you have the open card attached to your MileagePlus account, 25% off in-flight purchases, and a fee credit to cover your application to Global Entry or TSA PreCheck.

    The United Explorer also has two benefits that are unique among US airline credit cards in the same class. First, you'll get two complimentary United Club lounge passes each year. In the lounges, you can enjoy comfortable seating, Wi-Fi, free food and drinks, and more before your flight. Normally, one-time entry to a United Club would cost $59 if you didn't have a membership.

    Second, although this is an unpublished benefit, United cardholders also get access to more saver award space than other United members — that makes it easier to find good flights when it's time to use your miles..

    The card has a $95 annual fee, which is waived the first year.

    Click here to learn more about the United Explorer Card from Insider Picks' partner: The Points Guy.

    4. American Express® Gold Card

    amex rose gold new york 12

    Welcome offer: 25,000 Membership Rewards points (after spending $2,000 in the first three months). Until January 9: Get up 20% back at US restaurants within the first three months, up to $100 total.

    Last month, American Express launched a massive reboot of its Premier Rewards Gold card, rebranding it as the American Express Gold Card, releasing a new metal design and limited-edition rose gold version, and totally overhauling the rewards and benefits on the card. Because that wasn't quite enough, AmEx also introduced a fairly unique new welcome bonus.

    The new Gold Card earns 4x points at US restaurants and on up to $25,000 per year at US supermarkets (and 1x after that), 3x points on flights booked directly with the airline, and 1x point on everything else.

    Based on the fact that you can easily redeem Membership Rewards points for more than 1¢ of value each, that makes this the highest-earning card for everything food-related.

    The Gold Card keeps the old card's $100 airline fee credit each calendar year, and adds up to $120 of dining credits — split into $10 each month — at Grubhub, Seamless, The Cheesecake Factory, Ruth's Steak House, or participating Shake Shack locations. If you use those credits in full, that's a guaranteed $220 of value each year.

    New card members — those who haven't previously had the Premier Rewards Gold — can earn a welcome bonus of 25,000 points when they spend $2,000 in the first three months. Additionally, those who apply before January 9 can get 20% back on all US restaurant charges — up to $100 total — in the form of a statement credit. Keep in mind you may be able to be targeted for a higher offer.

    While it's difficult to assign a single objective value to Membership Rewards points, due to the many ways you can redeem them, travel website The Points Guy subjectively estimates each point as worth 1.9¢. That makes the welcome bonus worth $575 — $475 for the points, and up to $100 back from restaurants. Even without factoring in the annual credit benefits, that's more than enough to make up for the card's $250 annual fee.

    Click here to learn more about the AmEx Gold Card from Insider Picks' partner: The Points Guy.

    5. The Barclaycard Arrival Plus World Elite Mastercard

    Sign-up bonus: 70,000 miles (after spending $5,000 in the first 90 days), for a limited time only.

    This is the highest sign-up bonus we've ever seen for this card — an exciting development, coming near the end of a busy year for Barclaycard's flagship US product.

    Earlier this year, Barclays closed applications for one of its most popular credit cards, before relaunching the card with a new all-time highest sign-up bonus. Then, this fall, Barclays began waiving the card's $89 annual fee for the first year, a first for the card.

    The Barclaycard Arrival Plus earns double miles on every dollar spent. Miles can be redeemed for one cent each on travel purchases (applied as a statement credit to negate the cost of that purchase), or a half-cent each for cash back or gift cards. Best of all, you'll earn 5% of your miles back every time you make a redemption.

    Effectively, that means that the sign-up bonus is worth $700 toward travel, plus an extra $100 from the miles you'll earn meeting the spending requirement.

    The card comes equipped with Chip-and-PIN service, which, combined with the fact that the card has no foreign transaction fees, makes it a great option when traveling internationally.

    Depending on your spending habits, it is easy to get more value from the card than what you pay for the annual fee, thanks to the 2x earning rate on all purchases. Of course, the sign-up bonus alone will cover the annual fee for more than eight years.

    Click here to learn more about the Barclaycard Arrival Plus World Elite Mastercard.

    6. Platinum Card® from American Express

    amex business

    Welcome Offer: 60,000 points (after spending $5,000 in the first three months)

    The American Express Platinum card has one of the highest annual fees of any consumer credit or charge card — $550 — but as AmEx's flagship product, this premium credit card offers a tremendous amount of value to offset that fee. For example, I got more than $2,000 worth of value in my first year with the card.

    The card earns Membership Rewards points, the currency in AmEx's loyalty program, which can be exchanged for statement credits or cash back, used to book travel through AmEx's travel website, or, to get the most value, transferred to any of 17 airline and three hotel transfer partners (transferable points are among the best). Travel website The Points Guy lists a valuation of 1.9¢ per Membership Rewards point; based on that, the welcome offer is worth around $1,140.

    Because $5,000 is one of the steepest spending requirements of any consumer credit card, this is an ideal time to open it — with holiday spending and travel coming up, you can take advantage of those planned expenses to meet a higher minimum required spend than you would normally be able to.

    The Platinum Card earns an incredible 5x points on airfare purchased directly from the airline, and offers a $200 airline fee credit each calendar year, and up to $200 in Uber credits each card member year. It also grants the cardholder access to more than 1,000 airport lounges around the world, including Delta Sky Clubs and AmEx's own Centurion Lounges. Other benefits include automatic gold elite status at Starwood, Marriott, and Hilton hotels, a statement credit to cover enrollment in Global Entry/TSA PreCheck, concierge service, and much more.

    If you're an active military servicemember, you can get the AmEx Platinum Card's fee waived.

    You can read our complete review of the card here.

    Click here to learn more about the American Express Platinum from Insider Picks' partner: The Points Guy.

    7. Capital One Savor Cash Rewards Credit Card

    capital one savor

    Sign-up bonus: $500 (after spending $3,000 in the first three months)

    If dining and cooking are your thing, and cash back is what you're after, the Capital One Savor is sure to please.

    The card earns unlimited 4% cash back on all dining and entertainment, 2% back at grocery stores, and 1% on everything else. Plus, the card offers a whopping $500 sign-up bonus when you spend $3,000 in the first three months.

    The Savor carries a lower annual fee than the AmEx Gold — $95, waived the first year. The earning rate will make up for the fee in many cases, based on normal spending, but if that's too high for you, there's an alternative: the Capital One SavorOne Cash Rewards Credit Card.

    The SavorOne card has no annual fee, and offers a slightly lower — but still valuable — earning rate of 3% cash back on dining and entertainment, 2% back at grocery stores, and 1% on everything else. It offers a lower sign-up bonus of $150 when you spend $500 in the first three months.

    Click here to learn more about the Capital One Savor card from Insider Picks' partner: The Points Guy.

    Click here to learn more about the Capital One SavorOne card from Insider Picks' partner: The Points Guy.

    Read more: The Capital One Savor offers 4% cash back on dining and entertainment — here's how much the average American saves each year with the card

    8. Hilton Honors American Express Ascend Card

    Hilton Honors American Express Ascend Card

    Welcome offer: 125,000 Hilton Honors points when you spend $2,000 in the first three months

    Hilton recently announced new highest-ever bonuses on its four co-branded credit cards, which offers a fantastic opportunity to rack up points for free hotel nights.

    A major benefit to the Hilton Honors rewards program is when you stay for free using points, it's actually free — unlike many other hotels, you won't even have to pay a resort fee. Despite some recent minor devaluations in the program, it's turning into my go-to for hotels.

    Between the 125,000-point welcome bonus, and the fact that the Ascend card offers a free weekend night's stay when you spend $15,000 on it within a calendar year, you've got the makings of a nice long hotel stay without having to pay a thing.

    The Ascend has a $95 annual fee, but offers some solid benefits to make up for that.

    The card offers complimentary Gold status just for holding it. If you spend $40,000 on the card within a calendar year, you'll be upgraded to Diamond status. In addition to the same benefits you'd get from Gold — such as free breakfast, room upgrades, a bonus on earned points, late checkout, and a free fifth reward night — Diamond gets you higher priority for room upgrades, executive lounge access, and more. The card also comes with 10 free day passes to Priority Pass airport lounges.

    The Ascend earns 12x points on Hilton purchases, 6x points at restaurants, gas stations, and supermarkets — all within the US — and 3x points on everything else.

    Click here to learn more about the Hilton Honors Ascend card from Insider Picks' partner The Points Guy.

    9. Chase Sapphire Preferred

    Card Group — Chase Sapphire Preferred Chase Sapphire Reserve_21 1

    Sign-up bonus: 50,000 points (after spending $4,000 in the first three months)

    The Sapphire Preferred is one of the most popular all-around rewards credit cards, and it's easy to see why. This card earns 2x points per dollar spent on just about all travel and dining purchases, and 1x point on everything else. It also comes with a ton of travel and purchase protections, such as rental car insurance, trip delay coverage, and extended warranty.

    The sign-up bonus — 50,000 UR points — is worth, at the very least, $500 as cash back or gift cards. However, if you book travel through the Chase Ultimate Rewards portal and use points to pay, you'll get a 25% bonus, making points worth 1.25 cents each. That means that the sign-up bonus would be worth $625.

    Even more lucrative — the Chase Sapphire Preferred lets you transfer your UR points to a few different frequent flyer and hotel loyalty programs. This comes in handy because, in many cases, it costs fewer points to book a trip if you go through one of those programs, as opposed to using the points as cash. You can read more about why transferring points to frequent flyer programs gets you more value here.

    This all comes for a fairly standard annual fee of $95, which is waived the first year.

    Click here to learn more about the Sapphire Preferred from Insider Picks' partner: The Points Guy.

    10. Chase Sapphire Reserve

    Chase card

    Sign-up bonus: 50,000 points (after spending $4,000 in the first three months)

    The Sapphire Reserve is basically a beefier version of the Preferred. While the card comes with the same sign-up bonus, it earns points on everyday spending faster, nabbing a higher 3x points per dollar spent on travel and dining purchases, and 1x on everything else. It also offers similar, though in many cases, enhanced travel and purchase protections.

    Unlike the Preferred, the Sapphire Reserve comes with a Priority Pass Select membership, which gets you and any travel companions free access to more than 1,000 airport lounges around the world.

    You can use points from the Reserve the same ways as with the Preferred, except that you'll get a 50% bonus when booking travel through Chase, making your points worth 1.5¢ each.

    The card carries a higher annual fee than the Preferred: $450. However, it also comes with a $300 travel credit each card member year. Each year, you'll get statement credits for the first $300 in travel-related purchases you make, including things like subway fare, taxis, parking, and tolls, as well as airfare and hotels. When you subtract this credit from the annual fee, the card is effectively only $150 each year.

    If you're not sure whether the Preferred or Reserve is the better card for you, take a look at this breakdown. Also keep in mind that you can typically only earn the sign-up bonus for one Sapphire-branded card every two years.

    Click here to learn more about the Sapphire Reserve from Insider Picks' partner: The Points Guy.

    11. Hilton Honors American Express Aspire Card

    Hilton Honors American Express Aspire Card

    Welcome offer: 150,000 Hilton Honors points when you spend $4,000 in the first three months

    The premium Hilton Honors American Express Aspire card has a hefty $450 annual fee, but it comes with so many perks, benefits, and rebates that it's more than worth paying for Hilton loyalists — or even brand-agnostic hotel guests.

    In addition to a $250 airline fee credit per calendar year and a $250 Hilton resort statement credit each card member year, the Aspire also offers a $100 Hilton on-property credit every time you book a stay of two nights or longer at a Hilton property — you just need to book through a specific website for cardholders.

    The card also offers a free weekend night reward each year — regardless of how much you spend — and a second if you spend $60,000 on the card in a calendar year. It also comes with complimentary Diamond status.

    The Aspire earns a tremendous 14x points per dollar spent with Hilton, 7x points on flights booked with the airline, car rentals, and at US restaurants, and 3x points on everything else.

    Click here to learn more about the Hilton Honors Aspire card from Insider Picks' partner The Points Guy.

    12. Chase Freedom Unlimited

    Screen Shot 2018 10 09 at 10.22.30 AM

    Sign-up bonus: 15,000 points or $150 cash back (after spending $500 in the first three months)

    If you already have the Sapphire Reserve and are saving your points for something, the Freedom Unlimited can give your balance a nice boost. While Chase markets the card as "cash back," it actually earns Ultimate Rewards points that you can redeem for cash (1 point = 1¢).

    If you have a premium card like the Sapphire Reserve, you can pool your points from the two cards. The Freedom Unlimited earns 1.5 points per dollar spent, so paired with a Sapphire Reserve, it's a great card to use for purchases that aren't made on travel expenses or dining.

    Best of all, the card has no annual fee and often has 0% APR for the first 15 months on purchases and balance transfers. After that, there's a 16.99%-25.74% variable APR. If you have a major purchase ahead of you, that introductory offer can be useful.

    While the best financial practice is to not spend more on the holidays than you can afford to pay off right away, the Freedom Unlimited's introductory APR does provide an option to pay a major expenses off over time without paying interest. That can be useful if you're planning out how to pay for something like an engagement ring during the holidays.

    The Chase Freedom Unlimited is a fantastic all-around card. However, to get the most value when it's time to spend your points, you need the Sapphire Reserve or Preferred card, too, so you can pool your points. Otherwise, points are only worth 1¢ each no matter how you use them and they can't be transferred to airline or hotel partners.

    Click here to learn more about the Chase Freedom Unlimited from Insider Picks' partner: The Points Guy.

    13. Wells Fargo Propel American Express® Card

    https_%2F%2Fblogs images.forbes.com%2Fthepointsguy%2Ffiles%2F2018%2F07%2FNY City Cards wells fargo propel 8 1200x800

    Welcome offer: 30,000 Go Far points (after spending $3,000 in the first three months)

    This new card from Wells Fargo has one of the more attractive rewards offerings you'll find from a no-annual-fee card. The new Propel card is actually a re-launch of an old product — Wells Fargo stopped accepting applications for the old card back in February, before announcing the new product and reopening applications this month.

    The card earns 3x points on all travel, dining, and select streaming services (and 1x point on everything else). If that sounds familiar, it's because it's almost the same as the popular Chase Sapphire Reserve.

    There are some key differences between the cards. The Propel lets you redeem points for 1¢ each toward cash back, merchandise, travel, or more, while the Sapphire Reserve offers a range of more valuable redemption options — it's easy to get at least 50% more value for Chase points. Plus, the Sapphire Reserve offers a number of premium perks that the Propel doesn't, like airport lounge access, a $300 annual travel credit travel delay insurance, and more.

    Of course, the Sapphire Reserve also comes with a $450 annual fee, while the Wells Fargo Propel doesn't have a fee. Between the new member offer, and the solid earning rate on popular spend categories, the Propel makes a decent option for those who don't travel often, or who aren't comfortable floating a large annual fee.

    Click here to learn more about the Wells Fargo Propel card from Insider Picks' partner: The Points Guy.

    DON'T MISS: Amex Platinum vs Chase Sapphire Reserve: Which card offers superior airport lounge access, according to a frequent flyer

    READ MORE: The best cash-back credit cards of 2018

    SEE ALSO: Eleven Madison Park is launching a pop-up restaurant in Aspen exclusively for AmEx cardholders — here's how to book a table

    Join the conversation about this story »


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    creed ii

    "Creed II," the sequel to the 2015 "Rocky" spin-off starring Michael B. Jordan as Apollo Creed's son, comes to theaters on Wednesday. If you're itching for even more "Rocky" than that, YouTube has you covered.

    YouTube Movies is currently offering the first five original "Rocky" movies for free. YouTube launched its movies section in 2011. Most are only available for purchase, but there are select titles available for free, which seems like a little-known fact in this age of streaming services. One note: they do have banner ads that pop up periodically but you can click them away (there are no video ads).

    Other free movies include "The Terminator,""Legally Blonde,""Zookeeper,""Monsters,""The Man in the Iron Mask," and "Agent Cody Banks."

    The only "Rocky" movies not available are 2006's "Rocky Balboa" and "Creed."

    • Watch "Rocky"here.
    • Watch "Rocky II"here.
    • Watch "Rocky III"here.
    • Watch "Rocky IV"here.
    • Watch "Rocky V"here.

    "Creed II" finds Adonis Creed facing the son of Ivan Drago, the man who killed his father in the ring in "Rocky IV." It comes to theaters November 21.

    SEE ALSO: 'Creed II' escapes a sequel slump with thrilling fight scenes and a gripping performance by Michael B. Jordan

    Join the conversation about this story »

    NOW WATCH: How 'The Price Is Right' is made


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    south china sea people's liberation army

    • The top US commander in the Pacific warned Saturday that China has turned the so-called "great wall of sand" in the South China Sea into a "great wall of [surface-to-air missiles]."
    • In addition to SAMs, China has also deployed anti-ship missiles, giving it the ability to target both enemy ships and aircraft.
    • The US regularly sends bombers and warships into the contested waterway to challenge China's efforts to assert dominance.
    • The deployment of Chinese anti-access/area-denial weapons to the South China Sea could give China a critical edge in any conflict.

    The US has time and time again stressed that its military will "fly and sail wherever international law allows and our national interests demand," but Chinese defensive deployments in the disputed South China Sea threaten to throw a wrench into those plans.

    China is actively strengthening its military posture in the the contested waterway, where it has turned "what was a great wall of sand just three years ago [into] a great wall of SAMs," Adm. Philip Davidson, head of US Indo-Pacific Command, warned Saturday, according to Breaking Defense.

    The deployment of surface-to-air missiles (SAMs) is a part of a larger effort by the Chinese military to harden outposts and extend its anti-access/area-denial (A2/AD) capabilities to limit military activity in the area while it attempts to project power at greater distances from the Chinese mainland. In addition to SAMs, like the HQ-9 systems deployed throughout the South China Sea, China has also deployed anti-ship missiles, such as the YJ-12 and YJ-62s, to occupied territories.

    The locations and ranges of these platforms can be seen in this map released by the US-China Economic and Security Review Commission in its latest report to Congress.

    Location and Effective Range of PLA South China Sea Deployments

    China militarily dominates two of the three island groups that composed the so-called "strategic triangle," an area made up of the Paracel Islands, the Spratly Islands, and the Scarborough Shoal.

    While Washington characterizes Chinese behavior in the South China Sea as "militarization," Beijing argues that it is simply responding to US provocations.

    "If somebody is flexing their muscles on your doorstep, can’t you at least get a slingshot?" the Chinese Ministry of Foreign Affairs has asked.

    Over the past few months, US Air Force B-52H Stratofortress heavy long-range bombers have made regular flights over the South China Sea, and US Navy warships have conducted joint exercises and freedom-of-navigation operations in the area. The US insists that these activities are permitted by international law and necessary for the preservation of a free and open Indo-Pacific region free of coercion and aggression.

    The South China Sea is a dangerous flashpoint in the tense US-China relationship. In late September, a Chinese destroyer challenged a US Navy vessel during a routine freedom-of-navigation operation in the Spratly Islands. The Chinese warship nearly collided with the destroyer USS Decatur, which was forced to change course at the last minute to avoid a catastrophe.

    The deployment of A2/AD platforms to the South China Sea gives the Chinese navy, one of the largest in the world but inferior to the US Navy, more teeth in the event of a conflict — and one the US military is not guaranteed to win.

    A recent report evaluating the 2018 National Defense Strategy warned that the US "could face a decisive military defeat" if it went to war with Russia or China today.

    "The U.S. military would face daunting challenges in establishing air superiority or sea control and retaking territory lost early in a conflict," the report warned. "Against an enemy equipped with advanced anti-access/area denial capabilities, attrition of U.S. capital assets — ships, planes, tanks — could be enormous."

    Davidson said during his confirmation hearing earlier this year that "China is now capable of controlling the South China Sea in all scenarios short of war with the United States." Nonetheless, the US military continues to push back against China in the region.

    Join the conversation about this story »

    NOW WATCH: The true story behind Boston gangster Whitey Bulger


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    Evan Spiegel

    • According to a report by The Information, Snap CEO Evan Spiegel spends much of his time during board meetings tied to his phone and messaging people on Snapchat. 
    • When not glued to his screen, Speigel's boardroom demeanor was "dismissive" to Benchmark partner Mitch Lasky, according to The Information report, who stepped down from Snap's board in August.
    • Lasky pushed Spiegel to consider Wall Street's expectations, but the 28-year-old CEO considered the feedback shortsighted.
    • The Information cited one person saying that Spiegel's attitude towards Wall Street is "f--- the markets." 

    Evan Spiegel may need to learn how to disconnect. 

    According to a report by The Information on Monday, Snap's CEO spends much of his time during board meetings tied to his phone and messaging people on Snapchat. 

    When not glued to his screen, Speigel's boardroom demeanor was "dismissive" to Benchmark partner Mitch Lasky, according to The Information report, who stepped down from Snap's board in August. 

    According to the report, Lasky pushed Spiegel to consider Wall Street's expectations for user growth and profitability, but the 28-year-old CEO considered the feedback shortsighted. Instead, Spiegel's focus was on the company's "long-term strategy," and The Information cited one person saying that his attitude is "f--- the markets." 

    As of Monday, Snap's stock is trading around $6, well below its $17 IPO price in March 2017. Snap has also lost its VP of Content Nick Bell and Chief Strategy Officer Imran Khan during the last two months.

    Read more:Snapchat's parent company has lost its second top exec in two months, as its head of original content departs

    Snap did not immediately respond to Business Insider's request for comment. 

    SEE ALSO: Snapchat's parent company has lost its second top exec in two months, as its head of original content departs

    Join the conversation about this story »

    NOW WATCH: Amazon wants to open 3,000 cashier-less grocery stores — and they'll have a major advantage over their competitors


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    kim k shocked texting on phone

    • In a new clip from an upcoming episode of "Keeping Up with the Kardashians," Kim Kardashian realized that Tristan Thompson had blocked her on Instagram.
    • Immediately after discovering she'd been blocked, Kim called Khloe to share the news, saying that she'd "spit" on Tristan the next time she saw him.
    • Kim and Tristan's relationship has been very tense since she found out about reports that he cheated on Khloe. 
    • Even though Kim eventually reassured Khloe that she'd be nice to Tristan, Khloe wasn't buying it.

    On Sunday's episode of "Keeping Up With The Kardashians," Kim Kardashian and Tristan Thompson didn't seem to be on good terms after Kim learned of the reports that he had cheated on Khloe.

    At the end of the latest episode, Tristan made his feelings toward Kim clear when he communicated through Khloe that he didn't like that she talked about their "messed up" situation when she appeared on "The Ellen DeGeneres Show" earlier this year

    But, the situation might not be getting any better. In a recently released clip from an upcoming episode of "KUWTK,"Kim finds out that Tristan has her blocked on Instagram. 

    In the clip, Kim and Kourtney are sitting on the couch talking about how awkward it is to unfollow their sisters' exes every time there's an issue and that's when Kim realizes that Tristan blocked her.

    kim k kuwtk

    "He blocked me! What a f---ing loser. Literally, what a f---ing loser," Kim exclaimed before immediately getting Khloe on the phone to let her know that "It's on" the next time she sees Tristan.

    "Oh no, please don't do the 'it's on.' What does that mean?" Khloe asked over speakerphone, laughing.

    "It just means when I see him, I'm going to like, spit on him," Kim replied. "Whatever, I'll save it all for him."

    Later in the call, Kim tried to assure Khloe that no matter how angry she was, she and Tristan could co-exist, although Khloe had her doubts

    tristan and khloe"No, I don't know if you guys could co-exist. It's so crazy," Khloe told Kim. 

    Based on the teaser, it seems that the next episode of the series will be all about the relationship between Kim and Tristan and how Khloe feels about the situation.

    You can watch the full clip below. 

    For more great stories, head to INSIDER's homepage.

    Join the conversation about this story »

    NOW WATCH: 7 places you can't find on Google Maps


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    Mandy Ginsberg

    The online-dating market has been expanding exponentially in recent years, but it has yet to realize its full potential.

    There are nearly 600 million single people using online dating services worldwide, and that number is expected to grow to a staggering 700 million by 2020. Industry experts predict the sector could grow to $12 billion in the next two years.

    The industry's biggest player, Match Group, has captured just 10% of the market so far.

    Match Group's CEO, Mandy Ginsberg, is in a pivotal role at a pivotal time for the online-dating business. Match Group is the parent company of Match.com, OkCupid, Tinder, Plenty of Fish, and a number of other global dating brands.

    In her executive role, Ginsberg has a front-row seat to the unfolding drama and high-stakes competition in the fast-paced industry.

    Match Group has been tangled up in a lawsuit — and countersuit — with startup challenger Bumble since March. Plus, in May, Facebook announced plans to enter the dating world. Match Group and Ginsberg are faced with the challenging undertaking of defending their market share.

    You can hear from Ginsberg at IGNITION. And check out the full speaker lineup.

    Don't wait to register!

    To keep up with IGNITION news, join our mailing list, and you'll be the first to get updates on our speakers and agenda.

    AND NOW: REGISTER FOR IGNITION 2018

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    young bill gates 1992

    • Bill Gates has a message for those in the tech industry who think that HBO's "Silicon Valley" is too critical: lighten up.
    • "I always tell them: 'You really should watch it, because they don’t make any more fun of us than we deserve,'" writes Gates, who has consulted on the show.
    • Gates says he identifies most with Richard Hendricks, the CEO of fictional startup Pied Piper, "who is a great programmer but has to learn some hard lessons about managing people." 
    • His one gripe with the show is that it makes the mega-corp Hooli look inept compared to its upstart rival  — but he admits that he may be biased in favor of large corporations.

    There are those in the real-world Silicon Valley who think that HBO's "Silicon Valley," the network's long-running satire, is too critical of the tech industry. 

    But in a new blog entry, no less than Microsoft cofounder Bill Gates has a message for those people: lighten up. 

    "I have friends in Silicon Valley who refuse to watch the show because they think it’s just making fun of them," writes Gates. "I always tell them: 'You really should watch it, because they don’t make any more fun of us than we deserve.'"

    "Silicon Valley," which is going into its sixth season, details the adventures of Pied Piper, a data compression startup that can't quite seem to catch a break. It also follows Gavin Belson, the CEO of Google-esque mega-corp Hooli, who borrows attributes from real-life execs including Salesforce CEO Marc Benioff and Oracle founder Larry Ellison. 

    In his blog entry, Gates says that he's one of the many tech execs who were consulted by the show's creators to ensure authenticity — creator Mike Judge and his production team have interviewed the likes of former Twitter CEO Dick Costolo and investor Marc Andreessen, even embedding at a hardware startup to ensure that a running gag rang true. 

    Gates writes that all of that effort paid off, as the show is an accurate lampooning of the types of people and companies that he knows so well. He says that he identifies the most with Richard Hendricks, the founder of Pied Piper, "who is a great programmer but has to learn some hard lessons about managing people."

    "The show is a parody, so it exaggerates things, but like all great parodies it captures a lot of truths," writes Gates.

    Read more:The characters of HBO's 'Silicon Valley' are inspired by real people in the tech world — here they are 

    Similarly, Gates likes the way that the show depicts entrepreneurs and startups.

    "Even a huge believer in technology like me has to laugh when some character talks about how they’re going to change the world with an app that tells you whether what you’re eating is a hot dog or not," he writes. That's a reference to an infamous "Silicon Valley" gag where a character makes a cutting-edge AI-powered app that can tell you, indeed, if something is a hot dog or not. The show's creators even released it as a real iPhone app

    He does have one bone to pick, though, with how the show depicts Hooli, the Goliath to Pied Piper's David, as bloated and inept.

    "Although I’m obviously biased, my experience is that small companies can be just as inept, and the big ones have the resources to invest in deep research and take a long-term point of view that smaller ones can’t afford," writes Gates. 

    Of note is that while Gates may relate to the journey of Pied Piper, their stories are very different.

    The fictional Pied Piper got off the ground after Hendricks and his friends quit Hooli to chase a novel new piece of technology; Gates and his late cofounder Paul Allen started Microsoft after moving to New Mexico to chase an opportunity with a then-revolutionary microcomputer. Gates and Allen definitely had their own problems, but they never had to fend off an angry ex-employer with an axe to grind. 

    Also of note is that not everybody in Silicon Valley seems to love the show as much as Gates. Astro Teller, best known as Google's moonshot boss, is said to have once huffed out of a meeting with the show's producers and tried to make a dramatic exit — on Rollerblades

    You can read Gates' full thoughts on HBO's "Silicon Valley" here.

    SEE ALSO: Check out Bill Gates' first business card at Microsoft, from after he dropped out of Harvard

    Join the conversation about this story »

    NOW WATCH: Review: Google Pixel 3 and 3 XL are the best smartphones you can buy right now


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    Elon Musk

    • A Tesla customer accidentally received administrative access to the automaker's online forums, allowing him to see contact information for some Tesla owners, the customer says.
    • Eleff wrote that his was not the only account without a Tesla employee email address to have administrative access to the forums, potentially giving non-employees access to some owners' contact information.
    • "We have no reason to believe that there was any abuse of accounts or content on our forums, and we have taken steps to ensure this does not happen again," a Tesla representative said.

     

    A Tesla customer accidentally received administrative access to the automaker's online forums, allowing him to see contact information for over 1.5 million accounts, the customer says.

    Daniel Eleff, who runs the shopping advice website DansDeals, published an account of the incident on the site. Eleff said he had ordered a Tesla Model 3 sedan and, after having difficulties communicating with the automaker's customer service department, wrote about his experience on Tesla's online forums.

    Read more: Tesla just had the worst year in its history, but now it's starting to look like the best tech company in the world

    Eleff wrote that he later found his post had been deleted and called customer service after he was unable to re-submit the post. After the call, Eleff was given administrative control over the forums, which allowed him to view the contact information for over 1.5 million accounts, he wrote. Eleff wrote that his account was not the only account without a Tesla employee email address to have administrative access to the forums, potentially giving non-employees access to contact information for some owners.

    "There are random people and ex-employees who can hijack Tesla’s website and view the contact information of all of their customers," Eleff wrote. "It seems crazy to me that a technologically advanced company like Tesla can have such a gaping security hole."

    "The customer was inadvertently granted a higher level of permissions than he should have had to the Tesla forum, which is not connected to our vehicles, main website, or other digital channels," a Tesla representative said. "We revoked the access as soon as it was reported, and made other changes to adjust privileges accordingly following a full audit. We have no reason to believe that there was any abuse of accounts or content on our forums, and we have taken steps to ensure this does not happen again."

    The representative added that some former Tesla employees had maintained administrative privileges on the forum after they had left the automaker, but Tesla did not find any evidence that any former employees had misused their administrative status. Tesla removed administrative access rights from the accounts of former employees and took measures to prevent former employees from keeping administrative access in the future, the representative added.

    Have a Tesla news tip? Contact this reporter at mmatousek@businessinsider.com.

    SEE ALSO: Germany’s economic chief asks BMW and Mercedes when they’ll build a car ‘half as sexy as one by Tesla’

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    how the homeless population changed 2007 2017 united states map (1)

    • The homeless population in the United States went down 14.4% from 2007 to 2017, according to data from the Department of Housing and Urban Development.
    • The change was more drastic in some states: Michigan led the nation by decreasing its homeless population by 68%.
    • Meanwhile, North Dakota's homeless population increased over the same time period by 71.2%.

    There are more than 550,000 homeless people in the US — a solid .17% of the entire US population.

    But believe it or not, the homeless situation was much worse 10 years ago.

    According to statistics from the Department of Housing and Urban Development, the US homeless population has decreased 14.4% between 2007 and 2017. In 2007, there were 647,258 homeless Americans, compared to the 553,742 there are today.

    The change in the homeless population is especially pronounced in some states. Michigan led the nation by decreasing its homeless population by 68% between 2007 and 2017. New Jersey and Kentucky also both managed to post decreases of more than 50% over that time period.

    On the other end of the spectrum, there were 14 states (and Washington, DC) that saw their homeless populations rise from 2007 to 2017. North Dakota fared worse than any other state, with a rise in homelessness of 71.2%. South Dakota and Wyoming both also posted increases of more than 60%.

    Read more:I spent the weekend with a homeless community in New York to see what it's really like to live on the streets

    Note that the numbers only reflect the change in each state's homeless population, not the homeless population itself. If you're looking for the state with the most homeless people, it's California, with more than 134,000.

    Meanwhile, the state with the highest percentage of homeless people is Hawaii, where homeless people comprise .5% of the state population. Washington, DC, fares even worse — more than 1% of residents are homeless in the nation's capital.

    SEE ALSO: I spent the weekend with a homeless community in New York to see what it's really like to live on the streets

    DON'T MISS: The most surprising things about America, according to a Silicon Valley engineer who moved from India 7 years ago

    Join the conversation about this story »

    NOW WATCH: This cop played hopscotch with a homeless girl after getting called to investigate a suspicious vehicle


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    nintendo switch

    • Nintendo wont be offering any major deals on the Nintendo Switch, even though the video game console being one of the most searched for items this holiday season,
    • The company's best Black Friday deal is a new bundle, which includes the console and a copy of "Mario Kart 8 Deluxe" bundle for $300. A new Switch console is usually $300 alone, so the deal is essentially for a free copy of "Mario Kart 8 Deluxe," which normally sells for $60.
    • Some stores, like GameStop and Kohl's, are offering additional cash back with the purchase of a new Switch — but those are limited to Black Friday doorbuster deals, so be advised. 
    • Nintendo also sells refurbished Switch consoles year-round for $275, a slight discount.

    For the second year in a row. the Nintendo Switch will be one of the most sought after tech gifts of the holiday season — but Nintendo still isn't ready to start offering deep discounts on its newest video game console.

    For Black Friday 2018, Nintendo is offering a new Switch bundle with the console and a copy of "Mario Kart 8 Deluxe" for $300. The deal essentially offers the Switch at its regular price of $300, and adds in a free game. For most Switch shoppers, this will be your best bet.

    That's not a bad deal on its own. But the main competitors to the Switch, the PlayStation 4 and the Xbox One, will both be on sale for $200 with a free game during the holidays. For $200, you can get a PlayStation 4 console with the sensational "Marvel's Spider-Man," or an Xbox One S console bundled with "Minecraft" and some extras. Those bundles are available now. 

    Nintendo is known for its reluctance to drop prices. But after a relatively slow year for the Switch, which didn't see many big-ticket exclusive releases, a juicier Black Friday sale could've brought more attention back to the young console. 

    Of note: Nintendo is also offering a $360 bundle that gives you the Switch console and copies of "Mario Tennis Aces" and the party game oddity "1-2-Switch." Given that the console is $300, "Mario Tennis Aces" is $60, and "1-2-Switch" is $40 or so, it's a decent deal — but by most reports, "1-2-Switch" isn't necessarily worth your time. 

    Nintendo doesn't appear to be offering sale prices for any of its first-party Switch games either, including best-selling titles from last year like "The Legend of Zelda: Breath of the Wild" and "Super Mario Odyssey." That said, Nintendo is known to introduce last-second sales on digital download games on Black Friday itself, so stay tuned. 


    Read more: The Nintendo Switch is having a surprisingly weak second year


    For those still interested in buying a Switch, GameStop and Kohl's are offering some additional cash-back sweetneers on new Switch bundles purchased only on the day of Black Friday itself — so get ready to brave the crowds if you want these offers.

    GameStop is offering a $50 gift card with a purchase of the "Mario Kart 8 Deluxe" bundle, which is almost enough for a second game. Kohl's is selling the Nintendo Switch on its own with a Turtle Beach headset and carrying case for $329, with $90 in Kohl's Cash as a bonus. The Kohl's Cash functions as a gift card, but cannot be used on the same day of the purchase, making it a good deal for the frequent Kohl's shopper.

    If you're willing to buy a used system, Nintendo offers refurbished Switch consoles for $275, plus shipping. Refurbished Switch consoles come with a guarantee from Nintendo and carry a one-year manufacturer's warranty. Business Insider reporter Antonio Villas-Boas ordered a refurbished Switch in September and was thoroughly satisfied with his experience.

    SEE ALSO: I bought a used Nintendo Switch console that was refurbished by Nintendo itself, and I'm happy I didn't buy it new

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    NOW WATCH: Why autocorrect makes so many mistakes, according to the former Apple engineer who helped create it


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    Christian Sewing

    • Deutsche Bank's global head of emerging markets, David Posen, left the firm last week, according to people with knowledge of the departure. 
    • Posen had worked at Deutsche Bank since 1999, working his way up to run all of sales for emerging-market debt. 

    Deutsche Bank's top emerging markets debt salesman, David Posen, has left the firm after nearly 20 years in the latest exit for the struggling European lender. 

    Posen was global head of emerging markets sales in the bank's fixed-income, currencies and commodities unit, according to two people with knowledge of his departure who asked for anonymity to discuss personnel issues. Posen declined to comment when reached by phone. A Deutsche Bank spokesman declined to comment. 

    Posen has more than 30 years in the industry. He joined Deutsche Bank in 1999 when the German lender purchased BT Alex. Brown and subsumed it into its other securities operations, according to employment records kept by the Financial Industry Regulatory Authority. By 2003, when a wedding announcement appeared in the New York Times, Posen was already a managing director. The announcement shows that he graduated magna cum laude from Duke University. 

    Deutsche Bank's stock price has fallen 48% this year through Friday's close, and CEO Christian Sewing has struggled to stem staff departures despite telling senior managers on a conference call to discuss third-quarter earnings that they should stop worrying about a rumored merger with Commerzbank and instead focus on their jobs. 

    SEE ALSO: Deutsche Bank is hiring 25% more new analysts this year — and they provide a window into the bank's strategy

    SEE ALSO: A senior trader who is part of 'the most exclusive club in finance' has left Deutsche Bank after 17 years

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    Tim Cook Jony Ive iPhone XR

    • Apple has cut productions orders for all three iPhone models launched in September, according to the Wall Street Journal.
    • A handful of iPhone suppliers last week cut their outlook, citing a drop in demand from one of their biggest customers.
    • Earlier this month, the smartphone giant reported underwhelming iPhone sales and said its holiday quarter would be on the low end of expectations.
    • Shares have been under pressure recently, down more than 20% from its October peak.
    • Watch Apple trade live.

    Apple is sliding, down 4% on Monday, after a report said the company recently cut productions orders for all three iPhone models launched in September.

    Lower-than-expected demand for the new products — iPhone XS,  iPhone XS Max, and iPhone XR — and Apple's decision to offer more models have made it hard to predict the number of units it has to produce, the Wall Street Journal reported, citing sources familiar with the matter.

    Shares have been under pressure recently — down more than 20% from its October peak — amid Apple's waning iPhone demand. Earlier this month, the smartphone giant reported underwhelming iPhone sales and said its holiday quarter would be on the low end of expectations. It also decided to stop posting unit sales for iPhones, iPads, and Macs.

    And last week, a handful of iPhone suppliers, including the main Face ID technology provider Lumentum and iPhone radio-frequency chip supplier Qorvo, cut their outlook, citing a drop in demand from one of their biggest customers while not specifically name Apple.

    With investors speculating that all these signs pointed to weakness in new iPhone sales, the Journal's sources detailed that Apple in October cut its production plan for iPhone XR, the cheaper model, by up to a third of the nearly 70 million units it had asked some suppliers to produce between September and February. And over the  last week, Apple told several suppliers that it cut its production plan again for the iPhone XR, sources added.

    The company started selling its latest phone generation, the iPhone XS and XS Max, in September and the XR model in October.

    With Apple tumbling, and other tech giants taking a beat, the tech-heavy Nasdaq 100 index on Monday plummeted more than 3.3%, on pace for it's lowest close since the beginning of May.

    Apple is up 8% this year.

    Now read:

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    NOW WATCH: The first woman in space almost didn't make it back to Earth and she had to keep it a secret for 30 years


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    GettyImages 1063551548

    • Meghan Markle and Prince Harry attended their first Royal Variety Performance together on Monday night.
    • Markle wore a sequin top by Safiyaa with a floor-length black skirt.
    • Harry was at her side in a classic black tuxedo.

    It's been exactly six months since Meghan Markle and Prince Harry walked down the aisle for their royal wedding in May. The duo celebrated their six-month anniversary by attending their first Royal Variety Performance together on Monday night.

    The live entertainment variety show is held to raise money for the Royal Variety Charity and traditionally begins with the entrance of the royal family.

    Markle and Harry arrived in some red carpet-ready ensembles. 

    meghan markle prince harry royal variety

    Markle opted for a $1,149 sequined sleeveless top by Safiyaa, which featured a black-and-white leaf pattern and asymmetric overlay peplum detail. Her top featured a thin halter strap, though the version sold on the brand's website is strapless. 

    She paired it with a floor-length black skirt and matching heels. 

    Meghan Markle royal variety

    Harry was at her side in a classic black tuxedo.

    meghan markle prince harry royal variety

    The evening's performers included British band Take That and the cast of the musical "Hamilton." The Daily Mail's royal correspondent Rebecca English shared some footage of Markle meeting the performers ahead of the show. 

     

    This isn't the first time Markle has turned to Safiyaa for her royal wardrobe. The duchess previously wore a blue cape dress by the brand during a state dinner in Fiji in October.

    Read more:Meghan Markle wore a $1,431 cape dress that resembles one of Kate Middleton's most memorable maternity looks

    Meghan Markle fiji cape dress

    It's yet another example of Markle's ever-evolving maternity style

    Visit INSIDER's homepage for more.

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    NOW WATCH: We tried Meghan Markle's favorite facial that massages the inside of your mouth


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    bii importance of smartphone cameraThis is a preview of a research report from BI Intelligence, Business Insider's premium research service. To learn more about BI Intelligence, click here.

    The smartphone is getting smarter as tech and internet companies inject increasingly sophisticated computer vision and object recognition functions into their hardware and software. The ability to “understand” what the user is pointing their mobile camera at and “read” the image has opened the door for visual search.

    Foreseeing the potential for mobile visual search to create new revenue opportunities, brands are attempting to harness the smartphone camera’s increasing sophistication to engage with consumers and drive sales.

    In this report, BI Intelligence analyzes the developing technologies behind mobile visual search and its value to businesses and brands. The report also assesses risks and opportunities inherent in developing a visual search strategy, provides a list of companies that are working in the space, and discusses what they've accomplished so far.

    Here are some of the key takeaways from the report:

    • There is strong evidence that mobile visual search technology will take off in the near future, including growing access to technology, strong usage rates of camera-related apps, and early indication of potential revenue growth. 
    • In some instances, visual search is faster and more accurate than text or voice, as it cuts through consumer-introduced ambiguities. 
    • The mobile visual search ecosystem is growing, with a slew of enabling platforms, native apps, and internet companies all broadening their expertise in the field.  
    • Leading internet search companies, including Google and Baidu, are in a race to capture the mobile visual search market as it begins to eat into traditional forms of search.   
    • The smartphone is the perfect launchpad for visual search technology, but new form factors, like smartglasses, hold great potential.

     In full, the report:

    • Provides an argument for the potential uptake of mobile visual search technology by tech companies, brands, and consumers. 
    • Outlines the current mobile visual search landscape.
    • Explains how startups and tech companies with mobile visual search products are evolving their business strategies. 
    • Provides an outlook for the future of the mobile visual search industry. 

    Interested in getting the full report? Here are two ways to access it:

    1. Subscribe to an All-Access pass to BI Intelligence and gain immediate access to this report and over 100 other expertly researched reports. As an added bonus, you'll also gain access to all future reports and daily newsletters to ensure you stay ahead of the curve and benefit personally and professionally. >>Learn More Now
    2. Purchase & download the full report from our research store. >> Purchase & Download Now

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    Prime Air plane

    • Amazon Air relies upon cargo airliners like Atlas Air, Southern Air, and ABX Air to transport its packages.
    • But pilots from those airlines say they're getting fed up with pay and benefits that they say are below industry standards.
    • A survey of pilots at those carriers, conducted by the Teamsters Local 1224 union of the Airline Professionals Association, found that 60% of respondents said they plan to leave their current airline.

    Pilots working for the group of airlines responsible for making Amazon Air deliveries aren't happy, a recent union survey found.

    And a lot of them are considering leaving the airlines that Amazon Air relies upon, according to a recent survey from the Teamsters Local 1224 union of the Airline Professionals Association.

    The survey, which wrapped up on Monday and featured responses from more than 1,200 pilots, found that 60% said they plan to leave their current airline. The survey was sent out to all 2,170 crew members at Atlas Air, Southern Air, and ABX Air, via email.

    These pilots don't work for Amazon directly.

    Amazon Air is a brand that operates through cargo airline subsidiaries of Atlas Air Worldwide and the Air Transport Services Group, including Atlas Air, Southern Air, and ABX Air. As part of the arrangement between these companies and the tech giant, pilots from these airlines operate Amazon Air's branded aircraft in order to make deliveries. Those airlines also cater to DHL, a division of the German logistics company Deutsche Post DHL.

    prime air

    Switching airlines can set back a pilot's career

    This isn't the first rumble from the pilots, though. There have been a number of strikes and protests. But the fact that so many pilots are considering quitting is still striking, according to Captain Robert Kirchner, Atlas pilot and executive council chairman of Teamsters Local 1224.

    That's because the airline industry operates on a seniority-based system, he said.

    "When a captain leaves here after 10 or 15 years, he or she is leaving 15 years behind," Kirchner told Business Insider. "They have to start all over again at the carrier they go to."

    Kirchner said that even though a captain "may be the most experienced person at the airline," they must start from the bottom when they join a new carrier. Moving around can therefore be detrimental to a pilot's career.

    Kirchner said that quitting an airline could amount to a "big sacrifice" and that he's seen captains with 18 years of experience walk away from Atlas.

    "If you're a doctor or a business person, then you can go to another company and get your current job or higher," he said. "In the airline industry, you can't do that. There's less pay, you don't get the schedules you want, you don't get the vacation you want, until you start getting higher up."

    atlas air

    Pilots are feeling 'disenfranchised'

    He said that Atlas' partnership with Amazon brought about an expansion that the airline couldn't keep up with. Amazon, which owns a 20% stake in Atlas and is one of its most important clients, could fix the problem by telling the airline to up its standards, according to Kirchner.

    A spokesperson for Amazon Air told Business Insider referred questions about the working environment at Atlas Air, Southern Air, and ABX Air to the airlines themselves, and said that the company was pleased with the carriers' performance and ability to scale.

    But Kirchner described an atmosphere of frustration and apathy among pilots.

    "A lot of the pilots coming in here, because of that, feel disenfranchised and aren't committed to the business or to the company," Kirchner told Business Insider. "They say, 'I'm only going to stay for a couple of years until I get my qualifications up. And then I'm going on to FedEx, UPS, United.'"

    He said that Atlas currently has a "tremendous turnover rate" because the airline offers salaries and benefits that pilots say are beneath the industry standard. He said that 72% of Atlas pilots have been with the carrier for less than five years.

    When asked in the survey if they felt that morale was high among their fellow pilots, 86% of ABX pilots, 76% of Atlas pilots, and 51% of Southern pilots said they "strongly disagreed."

    "I've had crew members on my flights, and they'll just come out and tell me that they really don't care," Kirchner said. "'I don't care about this company. I don't care if it survives. I don't care if Amazon's packages get to where they're supposed to go. I just don't care.' And that's a sad situation."

    A spokesperson at Atlas Air Worldwide said that the company valued its pilots right to express their opinions.

    "The commentary from the pilot union, however, is part of an overall campaign to put public pressure on the company with respect to our next labor contract," the spokesperson said. "The union's campaign has included the dissemination of false and/or misleading statements."

    A spokesperson for Air Transport Services did not immediately return Business Insider's request for comment. 

    amazon air

    Pilots worry about their airlines' ability to recruit and retain talent

    The survey also found that 80% of the pilots strongly disagreed when asked if they were happy with their pay and benefits, while 91% said they felt their airline's pay and benefits didn't meet industry standards.

    Kirchner said that in 2015, about 100 pilots quit Atlas. That number jumped to 198 in 2017. This year, Kirchner estimated that the number would approach 300.

    "They tried to hire 379 pilots in 2018," he said. "They only got 285 to show up to class, which is unheard of in the industry."

    At ABX, Atlas, and Southern, 81% to 87% of pilots reported that they strongly agreed that they were worried about their carrier "being able to recruit and retain experienced pilots."

    In the survey, 65% of respondents said they'd been asked to fly on their off-days in the past year. And Kirchner said that Atlas pilots receive fewer vacations than pilots at their competitors to start with.

    "We've never seen this much flying on days off at the airline, which is further proof of how short they are in the pilot ranks," Kirchner said.

    Kirchner said that he didn't believe that the situation at Atlas Air or Air Transport Services would erode industry standards across the board. He singled out UPS and FedEx for providing their pilots with appropriate compensation and time off. And in the survey, 83% to 74% of respondents said they'd like to fly for FedEx or UPS.

    "There's nothing like experienced employees," Kirchner said. "Companies like Amazon and DHL need on-time, reliable service — and we're already seeing that deteriorate. As long as they keep turning a blind eye to this, the problem is going to get worse and worse and worse."

    Here's the full statement from Atlas Air Worldwide:

    "We value the service of our pilots and appreciate their right to express their opinions. The commentary from the pilot union, however, is part of an overall campaign to put public pressure on the company with respect to our next labor contract.

    The union’s campaign has included the dissemination of false and/or misleading statements. It also included an illegal slowdown that the union was ordered to stop a year ago by the U.S. federal court in Washington, D.C. That injunction remains in place today.

    As background, our business has grown substantially over the past several years, during which we have not only created hundreds of new pilot jobs but have also met our customer demands with highly reliable service. As our business continues to grow and develop, with opportunities to expand in existing and new markets, we continue to provide pilots opportunities for ongoing career growth and advancement.

    We will continue to address work rules, pay and time off with our pilots as we work through our contract negotiations. We remain committed to negotiating one competitive collective-bargaining agreement for all of our pilots in accordance with the terms of our existing labor agreements, which recognizes our pilots' valued contributions."

    Are you a pilot working at Atlas Air, Southern, Air, ABX Air, or another airline that counts Amazon as a client? Email acain@businessinsider.com.

    SEE ALSO: BEHOLD Amazon One — the first cargo airplane with that famous Amazon smile

    DON'T MISS: Watch Amazon make its first drone delivery

    SEE ALSO: Amazon gives Prime Air public demo

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    NOW WATCH: All the ways Amazon is taking over your house


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    Echo Spot

    Amazon's Echo Spot is in an unusual position in the Echo family. 

    It has a screen, but not one big enough for serious video-watching. It's small, but not as small as the Echo Dot. It can play music, but it doesn't sound as good as the Echo or Echo Show. 

    So, what is it for?

    After I tested the Spot for several weeks, I'm still not really sure. At launch, the Echo Spot's primary purpose seemed to be acting as a smart alarm clock for your bedside table or nightstand. It can certainly do that, but it also seems a bit overqualified for the position. 

    The Echo Spot has Alexa. It can make video calls, play music videos, make visual lists and reminders, and play music. And — of course — it can display the time. 

    It does all the things a regular Echo can do, but it does them with a 2.5-inch touchscreen. 

    Here's what it's like to use the Echo Spot. 

    SEE ALSO: A complete guide to the Amazon Echo family, the smart speakers that will change your home forever

    Here's the Spot on my bedside table. On the surface, it just seems like a fancy digital clock.



    It looks incredibly nice, though! In fact, I think it's one of the best-looking Amazon Echo devices you can buy. The shape is ergonomic, the materials feel high-quality, and it's about the size of a softball: not too big, not too small.



    There's a camera above the screen, and you can use it to make video calls — just say, "Alexa, video call Jane," and it will call Jane. Even the software design on the Spot is modern and clean, as evidenced by the calling interface.



    See the rest of the story at Business Insider

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    poor homeless center

    • Wage growth has been dismal for many American workers, despite signs of a strong economy. 
    • The federal poverty line in America is $25,100, except in Alaska and Hawaii, where it's $31,380 and $28,870, respectively.
    • To better understand what it means to be "poor" in each state, we calculated the income it takes to be at the poverty level in every state based on buying power.

    Wage growth has been dismal for many American workers, despite signs of a strong economy. 

    According to the United States Census Bureau, 12.3% of the US population is living in poverty, which means they're earning below $25,100, except in Alaska and Hawaii, where it's $31,380 and $28,870, respectively.

    But cost of living varies from state to state, so in order to better understand what it means to be "poor" in each state, we used data from the Bureau of Economic Analysis that indicates how far $100 goes in each state, known as buying power. For example, a person in New York needs to spend $115.60 to get the same goods that a person in Delaware pays $100 for, whereas a Mississippi resident would pay $86.

    Based on this buying power, we then calculated how much a family of four actually to needs to make to be at the poverty line. Based on the example above, a New York family earning $29,016 is considered to be at the poverty line, whereas the threshold for a Delaware or Mississippi family is lower — $25,677 and $21,686, respectively.

    Below, see what's considered "poor" in every state, ranked from lowest to highest salary needed to be at the poverty line based on buying power.

    SEE ALSO: How much you have to earn to be considered rich in every state

    DON'T MISS: The 25 US cities where a middle-class American salary goes furthest

    51. Mississippi

    Money needed to buy $100 nationally: $86.40

    Poverty line: $25,100

    Salary needed to be at poverty line based on buying power: $21,686

     

     

     



    50. Alabama

    Money needed to buy $100 nationally: $86.60

    Poverty line: $25,100

    Salary needed to be at poverty line based on buying power: $21,737



    49. Arkansas

    Money needed to buy $100 nationally: $86.90

    Poverty line: $25,100

    Salary needed to be at poverty line based on buying power: $21,812



    See the rest of the story at Business Insider

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