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    most expensive house new jersey

    • The most expensive home for sale in New Jersey is a $29.5 million mansion in Mahwah.
    • The sprawling estate sits on a 46-acre property that includes an outdoor infinity pool, horse paddocks, an indoor riding arena, a soccer field, a basketball court, and a 20-stall barn.
    • The lavish interior includes an English-styled pub, a home movie theater, another pool, and a 1,400-bottle wine cellar. 
    • It's only about 25 miles from Manhattan

     

    The most expensive home in New Jersey is a sprawling, $29.5 million estate that includes an outdoor infinity pool, an English-style pub and private movie theater, an indoor riding arena, a soccer field, and other lavish amenities.

    And it's only about 25 miles from New York City.

    "It's a breathtaking sanctuary within 30 minutes of Manhattan," Vicki Gaily, listing agent and founder of Special Properties Real Estate Services, told Business Insider.

    The property, called the River Oak Farm, sits on 46 acres of land in Mahwah that includes athletic fields, horse paddocks, hiking trails, ponds, and mountain views of the Manhattan skyline. Mahwah was recently ranked as one of the best places to live in New Jersey

    The current homeowner, who wished to remain anonymous for privacy reasons, describes the property as "46 acres of complete privacy and seclusion" and "the perfect retreat for those who wish to escape the hustle and bustle of Manhattan" in an email.

    Although it's the most expensive home in New Jersey, the Mahwah house is listed for a whopping $215.5 million less than the most expensive home in the country, a $245 million mansion in Los Angeles that costs 960 times more than a typical US home.

    Here's a look at the New Jersey property. 

    SEE ALSO: What it's like living in the most expensive zip code in New York, where the average home price is $5.5 million

    DON'T MISS: This $245 million Los Angeles mansion is the most expensive home for sale in the US — and it costs 960 times more than a typical US home

    River Oak Farm is a sprawling estate in Mahwah, New Jersey, that includes an outdoor infinity pool, an indoor riding arena, a soccer field, a basketball court, a 20-stall barn, and other lavish amenities.

    Source: Special Properties Real Estate Services



    It's about 25 miles from upper Manhattan in New York City.

    Source: Google Maps



    The 10-bedroom home sits on 46 acres of land. The main living floors open up to three outdoor terraces that offer scenic views of horse paddocks, athletic fields, rolling hillsides ...

    Source: Special Properties Real Estate Services



    See the rest of the story at Business Insider

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

    image

    The US prepaid card ecosystem is huge, with 10.7 billion prepaid card transactions made in 2016 reaching $290 billion. And it’s shifting focus from low-income, un- and underbanked consumers toward millennials and higher-income adults.

    But as the market evolves, legacy prepaid issuers, like Green Dot, are under threat. The market is becoming more competitive as tech companies like Apple, Square, and Venmo develop their own prepaid offerings, likely as part of a push to drive customers to engage with their core peer-to-peer (P2P) transfer or digital wallet apps. These players’ robust digital offerings and ability to offer prepaid services for lower, or no fees are undercutting legacy businesses. And on top of crowding, the Consumer Financial Protection Bureau (CFPB) is implementing regulations next year that could impact some issuers’ monetization strategies.

    As a result, the US prepaid card market is becoming an increasingly complicated space for issuers to navigate, so prepaid issuers need to rethink their strategies to best attract consumers. Companies can attract a bigger user base if they target younger users from both low-income and high-income segments. They should also provide convenient offerings, that integrate digital features to make account information accessible, to cater to young consumers’ preferences.

    Business Insider Intelligence has put together a detailed report that explores the evolving prepaid card industry, identifies how issuers can maintain profitability in a market that’s being challenged by new players and impending government regulations, and evaluates various paths to success.

    Here are some key takeaways from the report:

    • There were 10.7 billion prepaid card transactions worth $290 billion in 2016, according to The Federal Reserve. Business Insider Intelligence expects that to grow to $396 billion by 2022. 
    • The prepaid space has historically been filled with incumbents like Green Dot. But new players, like Apple, Amazon, and Venmo, are trying to gain share, which is pushing large prepaid firms to merge or acquire one another to grow.
    • Issuers can adapt to the change in the space, and grow their share of the market, by providing convenient, multichannel access, and doing so in a way that facilitates profitability. Targeting younger consumers, both from the underbanked and high-income segments, as well as accessing users from physical as well as digital channels, can help facilitate this growth.

    In full, the report:

    • Sizes the US prepaid card market and estimates its future trajectory.
    • Identifies industry leaders and the newcomers to prepaid that are threatening their market share.
    • Evaluates growth factors and inhibitors that are increasing competition in the space.
    • Issues recommendations and strategies that issuers can implement to stay ahead in such a rapidly shifting space.

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

    This report and more than 250 other expertly researched reports
    Access to all future reports and daily newsletters
    Forecasts of new and emerging technologies in your industry
    And more!
    Learn More

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    Join the conversation about this story »


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    spider man into the spider verse sony

    • "Spider-Man: Into the Spider-Verse" took in an estimated $35.4 million during its opening weekend at the domestic box office. 
    • That's the biggest opening weekend for an animated movie that's opened in December, passing 2016's "Sing" which had a $35.2 million opening.
    • Meanwhile, Universal's $100 million-plus big screen adaptation of "Mortal Engines" bombed, making just $7.5 million its opening weekend.

    Sony has one more Marvel hit to give us before 2018 ends. 

    Following the box office smash, "Venom," it now has opened the dazzling animated movie, "Spider-Man: Into the Spider-Verse," which is an origin story of Spider-Man Miles Morales, but also a deep dive into the Spidey mythology as Miles is trained by Peter Parker and others who call themselves Spider-Man in other dimensions. 

    The movie has wowed critics and is gaining steam in being the movie to beat in the animation category at the Oscars. Now, it's broken a box office record. 

    Opening over the weekend in North America, the movie took in an estimated $35.4 million, which is the biggest opening weekend ever for an animated movie in December (passing 2016's "Sing," which took in $35.2 million).

    Read more: Jake Johnson on why he was paranoid he'd be fired from "Spider-Man: Into the Spider-Verse" and the sweet moments with kids that made him realize he's a worthy Peter Parker

    Playing in over 3,800 theaters, the movie proved it was going to pass industry projections when it took in a healthy $12.6 million on Friday. And with little competition to worry about, the movie has become a must-see for younger audiences, fans of the Miles Morales comics, and Spider-Man superfans.

    Expect this one to continue performing strong in the coming weeks as word of mouth only builds. 

    The same can't be said about Universal's "Mortal Engines." The $100 million-plus adaptation of the Philip Reeve books produced by Peter Jackson has turned out to be a major bust with the movie only taking in $7.5 million on 3,100 screens. 

    Warner Bros.' latest Clint Eastwood-directed release, "The Mule," which also stars the 88-year-old legend (his first role since 2012's "Trouble with the Curve"), took in a healthy $17.2 million.

    SEE ALSO: Ellen DeGeneres is considering quitting her TV show, even though she is the highest-paid talk-show host in the world

    Join the conversation about this story »

    NOW WATCH: The inside story behind the Marvel movie you were never supposed to see


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    This is a preview of a research report from Business Insider Intelligence, Business Insider's premium research service. To learn more about Business Insider Intelligence, click here. Current subscribers can read the report here.

    trust smart speaker makersSmart speakers comprise one of the fastest-growing device segments in the consumer technology market today. Ownership levels have nearly doubled from early 2017 to summer 2018. 

    With this rapid growth, there are a few pivotal questions that both companies looking to develop and sell smart speakers as well as those looking to sell products, deliver media, and offer access to services like banking over these devices need answers to in order to craft successful strategies. In particular, they need to know who is and isn’t buying smart speakers, and what consumers who own smart speakers are actually doing with them. 

    To offer these stakeholders insight, Business Insider Intelligence asked more than 500 US consumers about their knowledge of smart speakers, the devices they do or don’t own and what led them to their purchase decisions, as well as the tasks they’re using their smart speakers for.

    In this report, Business Insider Intelligence will look at the state of the smart speaker market and outline how each of the major device providers approaches the space. We will then focus on the key factors that affect whether or not someone owns one of these devices. Next, we will use our survey data to outline the reasons why people don’t own devices in order to offer guidance for who to target and how. Finally, we will discuss what consumers are actually doing with their smart speakers — specifically looking at how the devices are used and perceived in e-commerce, digital media, and banking — which can help companies determine how well they’re publicizing their smart speaker services and capabilities.

    The companies mentioned in this report are: Amazon, Google, Apple, Samsung, Facebook, Sonos, LG, Anker, Spotify, Pandora, Grubhub, Netflix, Hulu, Instagram, Snap.

    Here are some key takeaways from the report:

    • Despite their growing popularity, nearly half of respondents still don't own a device — which presents a long runway for adoption. Our survey data reveals a number of key factors that impact whether or not someone owns one of these devices, including income, gender, and age.
    • Smart speakers are establishing themselves as a key platform for e-commerce, media, and the smart home.
    • The introduction of a screen to some smart speakers will expand the possibilities for companies developing for the device — but developers will need to resist the compulsion to use speakers to accomplish too much.

    In full, the report:

    • Provides an overview of the key players and products in the smart speaker market.
    • Highlights critical adoption rates broken out by key factors that define the segment.
    • Identifies how consumers are using devices in important areas where companies in various industries are trying foster greater use of the voice interface.

    Join the conversation about this story »


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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.

    corkcicle $40

    The gift-giving season is upon us.

    Here to help you choose the perfect gifts for everyone on your list, from your coworkers to your dad, or the person you pulled for a White Elephant gift exchange, are the editors and reporters from the Insider Picks team.

    If you need some inspiration for what to get for her this holiday season (whether she's your sister, mom, daughter, wife, or otherwise), we have you covered with some truly excellent gift ideas. Though you can never go wrong with a new leather wallet or festive, holiday-themed beauty gift set, we've also included some more unique gifts, like a custom map poster and a book about everything "Friends" in our list.

    Check out all 64 gifts for her, and happy shopping!

    Looking for more gift ideas? Check out all of Insider Picks' holiday gift guides for 2018 here.

    SEE ALSO: All of Insider Picks' holiday gift guides, in one place

    DON'T MISS: 55 creative and unexpected gifts for her that are all under $50

    A stylish and comfortable pair of shoes

    Allbirds Wool Loungers, available at Allbirds, $95 (9 colors)

    Popular shoe startup Allbirds came out with a new high-top sneaker this month, dubbed the Tree Toppers, but for the uninitiated (and honestly really anyone), the classic Wool Loungers make an excellent gift. 



    The Amazon Echo Spot

    Amazon Echo Spot, available at Amazon, $130 (2 colors)

    The Echo Spot is the perfect addition to her nightstand. Like every other Echo, it uses Alexa to accomplish any number of tasks, from answering questions to reordering supplies on Amazon. In addition Alexa's verbal response about the day's weather forecast, the Echo Spot displays it on its 2.5-inch screen. 



    A reusable bag that comes in dozens of fun prints

    Standard Baggu, available at Baggu, $10 (35 colors)

    You can never have too many reusable bags, especially when they're as cute as the ones Baggu makes. The Standard Baggu is design to hold 50 pounds and folds into a flat 5-inch by 5-inch pouch for easy storage in her purse. 



    See the rest of the story at Business Insider

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    costco wine 8

    • Wines at Costco have a reputation for being high-quality and high-value.
    • Business Insider spoke to Costco Wine Blog founder Andrew Cullen and reviewer Erin Reyes about the warehouse chain's standout selections.
    • They praised a number of Kirkland offerings and mentioned deals that you should keep an eye out for on your next Costco wine run.

    Picking up a few bottles of wine at Costco? Well, Costco Wine Blog founder and editor Andrew Cullen and contributing reviewer Erin Reyes have some ideas about what you should try next at the warehouse chain.

    Business Insider spoke to the pair about a few standout selections within the store's wine section. Both Cullen and Reyes specifically singled out Kirkland-label wines as a major draw. Kirkland is Costco's in-store brand.

    "The selection of Kirkland Signature wines and having access to those is a huge, huge benefit for any Costco member and wine shopper," Cullen said. "You can only get them at Costco. There's been a few Kirkland duds, and we definitely call those out. But I think the Kirkland wines are a really big benefit."

    Read more: 13 tips for getting the best deals on wine at Costco

    Reyes added that the quality of the Kirkland wines are often stellar, saying, "I like that I can't get them anywhere else. That makes them seem special."

    She added that, in order to create those Kirkland Signature wines, Costco will either "buy the juice and rebottle it" or even purchase and re-label already-bottled wine.

    Cullen and Reyes also spoke about a number of special deals on wine offered at Costco, as well as some of their own personal preferences regarding specific wines and varieties of wine.

    Here are their top picks:

    SEE ALSO: 8 mistakes you should avoid when shopping for wine at Costco

    DON'T MISS: Costco is pumping fewer antibiotics into its meat products as it embarks on a $275 million plan to own its chicken supply chain

    SEE ALSO: What happens when you show up at Costco without a membership card, according to employees

    Kirkland Cotes de Provence Rosé

    Cullen said that you've got to be quick if you want to snag a bottle or two of this rosé.

    "People go gangbusters for that because it's like $11.99," he said. "They put it out in the heat of the summertime, and people are just dying for good rosé."



    Kirkland Signature Old Vine Zinfandel

    "The Kirkland Zinfandel is really good," Reyes said. "It's consistently a good value year after year."



    Simi Chardonnay

    You can buy Simi Chardonnay outside of Costco. But, according to Reyes, you'd be pressed to snag a better deal on the wine beyond the warehouse.

    She said that at certain points in the year, the wine sells for $8.99 at Costco.



    See the rest of the story at Business Insider

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    Colin Kroll and Rus Yusupov HQ TRivia cofounders ceo

    • HQ Trivia and Vine cofounder Colin Kroll has died at the age of 35, according to reports.
    • The Daily Beast said he was found dead in his Manhattan apartment on Saturday night.
    • Kroll was discovered by police after his girlfriend was unable to make contact with him, TMZ reported.

    Colin Kroll, the cofounder of HQ Trivia and Vine, has died at the age of 35, according to reports.

    TMZ was first to report the death of the tech executive, while The Daily Beast and others confirmed the story with New York Police Department sources.

    The latter said he was found dead in his Manhattan apartment on Saturday night. He was pronounced dead on the scene at 12.18 a.m. on Sunday, it added.

    TMZ said his death was caused by an "apparent drug overdose," although this is not yet verified. Kroll was discovered by police after his girlfriend was unable to make contact with him, TMZ added.

    HQ Trivia did not immediately respond to Business Insider's request for comment. The NYPD did not name Kroll, but told Business Insider:

    "On Sunday, December 16, 2018 at 0018 hours, police responded to a 911 call for a wellness check at 56 Spring Street within the confines of the 5th Precinct.

    "Upon arrival, officers discovered a 35-year-old male unconscious and unresponsive in a bedroom. EMS responded and pronounced the individual deceased on scene. The investigation is ongoing and the Medical Examiner will determine the cause of death."

    Live quiz app HQ Trivia launched in August 2017 with Kroll serving as chief technology officer. He was named CEO in September and was tasked with managing the day-to-day business, while his predecessor Rus Yusupov focused on designing new shows.

    Read more: Peter Thiel's VC firm is reportedly planning to lead a $15 million investment into HQ Trivia at a $100 million valuation

    The once viral app closed a $15 million funding round in March, including raising investment from Peter Thiel's Founders Fund, but cracks have been showing in recent months. Usage has dropped and Recode reported in November that an employee filed a complaint over Kroll's "aggressive management style."

    Kroll had previously apologized after Recode reported in February that he had exhibited "inappropriate behavior toward women" while he worked at Twitter-owned Vine. Kroll denied accusations of sexual misconduct, but admitted he was fired from Vine for "poor management."

    At the time, he said: "I was let go from Vine four years ago for poor management. It was a painful experience, but an eye-opening one that served as a catalyst for professional development and greater awareness in the office. I now realize that there are things I said and did that made some feel unappreciated or uncomfortable. I apologize to those people."

    Kroll cofounded HQ Trivia in 2015, three years after launching the now-defunct video app Vine with Dom Hofmann and Rus Yusupov. He previously worked at Jetsetter and Yahoo.

    Benjamin Goggin contributed additional reporting to this piece.  

    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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    Lotte World Tower South Korea

    • The Lotte World Tower is the tallest building in South Korea and the fifth tallest building in the world.
    • The high-rise recently won the Emporis Skyscraper Award, which honors the top 10 skyscrapers that have been completed in the previous calendar year.
    • The tower has a number of record-breaking features, such as an elevator that delivers people from the bottom floor to the 121st floor in one minute.
    • It's also built to withstand major disasters, such as a 9.0 magnitude earthquake or winds as strong as those seen during Hurricane Katrina. 

    The world is witnessing a massive boom in skyscraper construction, led by nations like China, Saudi Arabia, and the United States. This year alone, China built more skyscrapers than any country has ever built in a year. 

    Amid growing competition for the tallest and most innovative towers, one high-rise in South Korea managed to surpass all others.

    Read more:Stunning photos of the 10 best skyscrapers in the world

    Earlier this week, the Lotte World Tower in Seoul received the Emporis Skyscraper Award, the world's most renowned prize for high-rise architecture. 

    The tower's sleek design pales in comparison to its record-shattering features, which include the world's highest glass-bottomed observation deck and the world's fastest elevator.

    Take a look at how it was built — and what it looks like now. 

    The tower's construction began in 2011, more than two decades after the land was procured.

    The owner, Lotte Corp., also oversaw the construction of the world's largest indoor theme park.



    The structure is designed to withstand a 9.0 magnitude earthquake.

    It's also intended to withstand gusts of wind as strong as those seen in Hurricane Katrina (around 180 miles per hour).



    At more than 1,800 feet, it's the tallest building in South Korea and the fifth tallest building in the world.

    The structure, which opened in in April 2017, has 123 floors and 42,000 windows. Construction of the roof alone required 3,000 tons of steel.



    See the rest of the story at Business Insider

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    Twitch

    • Twitch invited Business Insider for a first look at its new headquarters in San Francisco, California.
    • The nine-floor office is a gamer's paradise, with two six-person competitive gaming rooms, two live-streaming rooms, and a full arcade.
    • "What we really wanted to do was bring Twitch to life,"Twitch's Chief Marketing Officer Kate Jhaveri told Business Insider. 
    • Below is a behind-the-scenes look at Twitch's new headquarters. 

    This week, Amazon-owned live-streaming platform Twitch invited Business Insider for a first-look at its new headquarters in San Francisco, California. 

    The nine-floor floor office is a gamer's paradise, with two six-person competitive gaming rooms, two live-streaming rooms, and a full arcade (We did confirm halfway through our tour that actual work was getting done). 

    Twitch's Chief Marketing Officer, Kate Jhaveri, told Business Insider about the thought process behind many of the design decisions.

    "What we really wanted to do was bring Twitch to life. Both the feeling of entering Twitch — which sometimes feels like entering another land. We wanted our office to have that feeling,"Jhaveri said. "We also wanted to bring to life a lot of the great content that exists on Twitch today — whether that’s games the community plays, shows and movies they watch, or art and music that they make every day." 

    Here's a look at Twitch's new San Francisco headquarters: 

    SEE ALSO: From Elon Musk to Satya Nadella: Here are the 29 top tech CEOs of 2018, according to employees

    Twitch's new office is located on California Street in San Francisco's Financial District.



    Upon entering, Vault Boy — from the popular "Fallout" franchise — salutes all visitors. As you might expect, there are plenty of video game characters throughout the Twitch office.



    Twitch asks visitors to sign a non-disclosure agreement at the front desk when they visit. When we visited, that desk was all decked out with festive stockings and lights for the holidays.



    See the rest of the story at Business Insider

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    artificial intelligence social network eter9

    Many companies use the term artificial intelligence, or AI, as a way to generate excitement for their products and to present themselves as on the cutting edge of tech development.

    But what exactly is artificial intelligence? What does it involve? And how will it help the development of future generations?

    Find out the answers to these questions and more in AI 101, a brand new FREE report from Business Insider Intelligence, Business Insider's premium research service, that describes how AI works and looks at its present and potential future applications.

    To get your copy of the FREE slide deck, simply click here.

    Join the conversation about this story »


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    chuck schumer

    • Democratic lawmakers hit back against a federal judge's ruling in favor of 19 states that argued that several key provisions of the Affordable Care Act, or "Obamacare," are unconstitutional.
    • Senate minority leader Chuck Schumer condemned the "awful" ruling and vowed congressional action as soon as possible for an "intervention" in the case. 
    • The decision, announced Friday, prompted immediate outcry from Democrats, many of whom suggested this will renew pressure on Republican lawmakers to pass an acceptable alternative. 

    Democratic lawmakers hit back against a federal judge's ruling in favor of 19 states that argued several key provisions of the Affordable Care Act, or "Obamacare," are unconstitutional.

    Senate minority leader Chuck Schumer condemned the "awful" ruling and vowed congressional action as soon as possible for an "intervention."

    "We're going to fight this tooth and nail," Schumer said on "Meet the Press" Sunday morning. "The first thing we do when we get back there in the Senate is vote to urge an intervention in the case."

    The main provision in question is that of the individual mandate, which requires that everyone must have health insurance.

    Schumer continued to suggest he would be pushing for a vote on the case.

    "A lot of this depends on congressional intent, so if a majority of the House and majority of the Senate say that this case should be overturned, it'll have a tremendous effect on the appeal," Schumer said. "Our first stop is the courts. We believe this should be overturned."

    Democratic whip Sen. Dick Durbin said on ABC's "This Week" that the ruling "didn't do the Republican Party any favor," as it will reawaken pressures for Republican unity behind a new healthcare policy.

    "It has to be appealed for sure, but in the meantime the Republicans will once again face the question do you believe we should have health insurance accessible, affordable, and cover those with pre-existing conditions," Durbin said, pointing to what was cast as voters' top issue in November's midterm elections.

    Read more: Democrats react with fury after federal judge rules that Obamacare is unconstitutional

    Reform should be the top priority as Congress and the administration considers next steps for healthcare policy, Minnesota Sen. Amy Klobuchar said, adding that the decision was "absurd." 

    "We should be working to improve the Affordable Care Act, not just throw it out and set it on fire," she said.

    She continued: "Right now with an administration in place that seems bound and determined to take away people’s healthcare, we have to protect the ability of people to even have their health care even exist." 

    Sen. Roy Blunt of Missouri, the incoming Republican Policy Committee chairman, echoed Durbin's forecast of the decision as potentially setting off a political firestorm, saying on "Meet the Press," that the judge's ruling is not as significant as the congressional process for forming and passing health care policy.

    "This'll be another area where health care will be used as a political issue, way beyond one district judge making a ruling that has no immediate impact," Blunt said.

    Republican Sen. Susan Collins expressed similar dissatisfaction with the ruling as she dismissed the decision as "far too sweeping" and she believes it "will be overturned on appeal."

    "There's no reason why the individual mandate provision can't be struck down and keep all the good provisions of the Affordable Care Act," Collins said of the bill that Republicans have decried since its 2009 passing, and that she initially voted against but recently voted to save.

    "He could have taken a much more surgical approach and just struck down the individual mandate and kept the rest of the law intact," Collins also said of the judge on ABC's "This Week."

    President Donald Trump praised the decision the day after its passing, telling reporters Saturday that if the decision is upheld, the administration would be working with Democratic lawmakers to secure "great, great health care for our people."

    "We'll sit down with the Democrats, if the Supreme Court upholds, we'll be sitting down with the Democrats and we will get great health care for our people, that's a repeal and replace," Trump said. "On the assumption that the Supreme Court upholds, we will get great, great health care for our people."

    The president added: "We'll have to sit down with the Democrats to do it, but I'm sure they want to do it also."

    SEE ALSO: The midterm elections cemented Obamacare's legacy and showed Democrats can actually win on healthcare

    Join the conversation about this story »

    NOW WATCH: Anthony Scaramucci claims Trump isn't a nationalist: 'He likes saying that because it irks these intellectual elitists'


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    cruise ship kitchen

    • Utility galley workers have the most difficult job on a cruise ship, maritime lawyer Michael Guilford told Business Insider.
    • Utility galley workers are responsible for a number of tasks related to food service, including handling heavy trash bags, washing cooking equipment with scalding-hot water, and using dangerous cleaning chemicals without proper protective clothing.
    • Some clients have come to Guilford after being blinded by cleaning chemicals that have splashed into their eyes or having skin burned off their hands, he said.
    • A representative for the Cruise Lines International Association (CLIA), a trade association for the cruise industry, told Business Insider that all member cruise lines must follow regulations set by the International Maritime Organization and International Labour Organization that govern the treatment of cruise ship employees.

     

    There are many difficult jobs on a cruise ship, but the hardest, most physically-demanding position requires working up to 14 hours a day for $500-$700 per month, according to a lawyer who represents cruise ship employees.

    That job belongs to a utility galley worker, maritime lawyer Michael Guilford told Business Insider. Utility galley workers are responsible for a number of tasks related to food service, including handling heavy trash bags, washing cooking equipment with scalding-hot water, and using dangerous cleaning chemicals without proper protective clothing. Some clients have come to Guilford after being blinded by cleaning chemicals that have splashed into their eyes or having skin burned off their hands, he said.

    "This is not your average Mr. Clean that you're using around the house. This is serious stuff."

    Read more: A former cruise-ship waiter describes why the party culture on cruise ships isn't as fun as it seems

    Utility galley workers often work 12-14 hours per day, seven days per week for just $500-$700 per month, Guilford said. In some cases, they're not able to take scheduled breaks, but are later required by their supervisors to change their timesheets to make it appear as if they took the breaks. Guilford said timesheet manipulation is a common issue he hears from clients.

    "The wage fraud that goes on on these boats is unbelievable," he said.

    While the difficulty of the utility galley job exceeds all others on a cruise ship, waiters and room stewards, who clean passenger cabins, also have some of the most difficult jobs, Guilford said. Waiters have to carry heavy trays that can lead to back and shoulder injuries, while room stewards have to clean at a rapid pace, especially before or after passengers board their ship. Sometimes, they'll have to clean as many as 20 cabins in just three hours, Guilford said.

    Each position makes between $1,200-$1,500 per month, Guilford said. While waiters work 10-12 hours per day, room stewards are on call for 24 hours.

    "The conditions are harsh," Guilford said.

    A representative for the Cruise Lines International Association (CLIA), a trade association for the cruise industry, told Business Insider that all member cruise lines must follow regulations set by the International Maritime Organization and International Labour Organization that govern the treatment of cruise ship employees.

    "The cruise industry strives to provide a high-quality work environment for its seafarers by offering ongoing training, career advancement and the opportunity to travel the world," the representative said.

    "The cruise industry also fully supports the International Maritime Labour Convention, also known as the 'Seafarers’ Bill of Rights,' which sets international standards addressing hours of work and rest, health and safety, and living conditions for seafarers and requires governments to ensure ships are in compliance."

    The CLIA's members include Carnival Cruise Line, Norwegian Cruise Line, and Royal Caribbean International, among others.

    Have you worked on a cruise ship? Do you have a story to share? Email this reporter at mmatousek@businessinsider.com.

    SEE ALSO: The 10 wildest cruise ship stories of 2018

    Join the conversation about this story »

    NOW WATCH: This Rolls-Royce feature might be the world's fanciest way to tailgate


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    IP gift guide banner

    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.

    Casper dog bed

    • Don't forget your furry best friend this holiday season!
    • From treats to beds and even activity monitors, this gift guide has something for every pooch.

    When searching for the perfect gifts for your friends, family, and co-workers during the holiday season, make sure not to forget your furry best friend.

    Your dog may not realize it's the holiday season, but most pet owners are happy for an excuse to pamper their pooches. Whether you're looking for a chew toy to keep your dog occupied while everyone else is opening presents, a stylish new leash and collar, or a tracker to keep your pet from getting lost, we've got you covered when it comes to gifts your dog will love.

    Still shopping for more gifts? Check out all of Insider Picks' holiday gift guides for 2018 here.


    SEE ALSO: All of Insider Picks' holiday gift guides, in one place

    DON'T MISS: 25 creative and unexpected gifts for 'Star Wars' fans of all ages

    A subscription box full of goodies

    BarkBox subscription, available at BarkBox, starts at $35

    A BarkBox subscription for one, three, six, or 12 months makes a perfect gift for that special dog (or dog owner).



    A tool to improve your fetch game

    Chuckit! Dog Ball Launcher, available at Amazon, $9.92

    The Chuckit! Dog Ball Launcher helps you through a ball farther to give your dog a better workout. It's featured in our guide to the best dog toys.



    A GPS and fitness tracker for your pet

    Whistle 3 GPS Pet Tracker & Activity Monitor, available at Amazon, $59.94

    This GPS ensures sure your pet will never get lost.



    See the rest of the story at Business Insider

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    Prada

    • Prada, the Italian luxury fashion house, said on Friday it has removed a set of monkey-like figures from its stores and displays after facing criticism on social media that they featured racist imagery.
    • The New York City Commission on Human Rights announced late Friday it sent the company a cease and desist letter and opened a formal investigation into the incident.
    • The black and red figurines went viral on social media after a Facebook post by a New York-area lawyer compared them to "blackface imagery."

    Prada is still in the midst of a racism controversy, and now it is facing an investigation from New York City.

    The Italian luxury caught the ire of New Yorkers and users on social media on Friday for its a set of monkey-like figures that a viral Facebook post by a New York lawyer said used "blackface imagery".

    One of the trinkets is a brown, monkey-like figure with large red lips that appears to use "blackface imagery," Chinyere Ezie said in a public Facebook post.

    The post caused a stir both online, with the post gaining thousands of reactions, shares, and comments, and in local media.

    A Prada representative told Business Insider on Friday that it would pull all figures from stores and displays around the world.

    "Prada Group abhors racist imagery," the company said. "We will withdraw all of the characters in question from display and circulation."

    A walk past Prada's Soho store and a glace at the website confirms that Prada has done so.

    Prada

    To some, the damage had already been done. The New York City Commission on Human Rights announced late on Friday it had immediately sent the company a cease and desist letter and opened a formal investigation into the incident on behalf of the city.

    "In a time when reports of anti-Black discrimination and racism are increasing, it is appalling to see this kind of blatantly racists displays and merchandise from Prada," assistant commissioner Sapna V. Raj said in an emailed statement. "Black New Yorkers face discrimination and bias every day.  To see racist Jim Crow-era imagery so patently on display at an international luxury retailer’s storefront is appalling and not tolerated in our city."

    Among the demands of the commission was the removal of the offending material — which Prada says it has done. It's also demanding the company not retaliate against employees if they acted opposed the offending merchandise and give human rights training to employees and executives.

    "The Commission is taking swift action to demand Prada immediately comply with the NYC Human Rights Law, examine internal practices, issue an apology to all New Yorkers, and refrain from engaging in this type of harmful and discriminatory conduct in the future," Raj said.

    Read more: H&M apologizes for using a black child in a 'racist' sweatshirt ad — but some people don't think it's enough

    The commissioner is authorized to fine up to $250,000 for violators of the human rights law which requires the "finding of willful and malicious violations".

    The figures were on display throughout Prada's store, including in the window display, in larger versions not available to purchase, and printed on leather accessories before the company scrubbed them.

    Prada called the offending red and black character "Otto." It was part of the company's new "Pradamalia" collection, described on its website as "a new family of mysterious tiny creatures that are one part biological, one part technological, all parts Prada" which was released to Prada stores worldwide in November. There was also a "Toto" version of the keychain that had yellow-and-green coloring.

    SEE ALSO: The designer of Nancy Pelosi's internet-famous coat is bringing it back next year

    Join the conversation about this story »

    NOW WATCH: This fish was sold for $1.8 million — here's why bluefin tuna is so expensive


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    Keep your friends close and your enemies closer. That’s the strategy e-tailers will have to adopt if they want to compete with Amazon. To fight back against the e-commerce giant’s expanding dominance, other online retailers must understand exactly why and how customers are buying on Amazon — and which aspects of the Amazon shopping experience they can incorporate into their own strategic frameworks to win back customers.

    Why Amazon First

    Business Insider Intelligence, Business Insider’s premium research service, has obtained exclusive survey data to give e-tailers the tools to figure out how to do just that with its latest Enterprise Edge Report: The Amazon Commerce Competitive Edge Report.

    Enterprise Edge Reports are the very best research Business Insider Intelligence has to offer in terms of actionable recommendations and proprietary data, and they are only available to Enterprise clients.

    Business Insider Intelligence fielded the Amazon study to members of its proprietary panel in March 2018, reaching over 1,000 US consumers – primarily hand-picked digital professionals and early-adopters – to gather their insights on Amazon’s role in the online shopping experience.

    In full, the study:

    • Uses exclusive survey data to analyze the factors behind Amazon’s success with consumers.
    • Segments three types of Amazon customers that e-tailers should be targeting.
    • Shares strategies on how e-tailers can attract shoppers at key moments.

    First, why is Amazon so popular?

    Amazon is ubiquitous. In fact, a whopping 94% of those surveyed said they’d made a purchase on the site in the last twelve months. And of those who did, the vast majority believed Amazon’s customer experience was simply better than its leading competitors’ — specifically eBay, Walmart, Best Buy, and Target.

    The biggest contributor to Amazon’s superior experience? Free shipping, of course. According to Amazon’s 2017 annual report, the company actually spent $21.7 billion last year covering customers’ shipping costs, a number that’s been compounding over the past few years.

    Not only is free shipping included for all Prime members as part of their subscriptions but, of all e-tailers listed in the survey, Amazon also offers the lowest minimum order value for non-subscription members to qualify for the perk (just $25). The pervasiveness of free (and fast) shipping is steadily heightening customer expectations for the online shopping experience — and forcing competitors to offer similar programs and benefits.

    Who exactly is shopping on Amazon?

    The survey results showed that across generations for a large minority of respondents, Amazon is a standard part of their typical shopping process. Nearly a third (32%) of respondents said they begin their online shopping process on Amazon. Of those who do start their journeys elsewhere, 100% ended up purchasing something from Amazon at some point over the last 12 months.

    Based on the trends in responses, Business Insider Intelligence segmented out three different types of Amazon shoppers, each with unique implications for how competitors could evolve their strategies:

    • Amazon loyalists: This group of consumers is most committed to shopping on Amazon. E-tailers must understand what has made Amazon their default experience — and how they could be pried away.
    • Comparison shoppers: This consumer segment looks at other sites before ultimately completing a purchase with Amazon, which could allow e-tailers to find success at the bottom of the purchase funnel. E-tailers should focus on what they can do more of to steal sales away at the end of the purchasing process.
    • Open-search shoppers: These consumers start their online product search away from Amazon, often with specific reasons including what they’re looking for and why they’re not looking on Amazon. Other e-tailers have the opportunity to attract these shoppers from the beginning of the purchase funnel — keeping them from ever venturing to Amazon.

    Want to learn more?

    Business Insider Intelligence has compiled the complete survey findings into the four-part Amazon Commerce Competitive Edge Report, which dives deeper into each of these consumer segments to give e-tailers an intricate understanding of Amazon’s role in their purchasing processes.

    The report presents actionable strategies for retail strategists and executives to zero in on three individual consumer segments at critical shopping moments, and empower them to win sales in an Amazon-dominated world.

    Join the conversation about this story »


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    The healthcare industry is in a state of disruption. Digital solutions are becoming a necessary part of the new global standard of care for patients and regulation is being fast-tracked to catch up to digital health innovation.

    Digital Health

    These rapid changes will have ripple effects across the entire healthcare system, impacting incumbents and new entrants alike.

    Based on our ongoing analysis, understanding of industry trends, and conversations with industry executives, Business Insider Intelligence, Business Insider’s premium research service, has put together The Top Five Trends Shaping The Future of Digital Health.

    To get your copy of this free report, click here.

    Join the conversation about this story »


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    35 big tech predictions for 2018Technology is increasingly disrupting every part of our daily lives.

    Smart speakers and voice assistants let us interact with our homes and with retailers in new and seamless ways.

    Smartphones are taking over as the dominant shopping device.

    Viewers continue to move away from traditional TV toward digital platforms.

    And the list is growing.

    Nearly every industry has been disrupted by digital technologies over the past 10 years. And in 2018, we expect to see more transformative developments affect our businesses, careers, and lives.

    Business Insider Intelligence, Business Insider's premium research service, has put together a list of 35 Big Tech Predictions for 2018 across Apps and Platforms, Digital Media, Payments, Internet of Things, E-Commerce, Fintech, and Transportation & Logistics. Some of these major predictions include:

    • Cryptocurrencies will become more widely accepted
    • Google and Apple will challenge Amazon in the smart speaker space
    • The resurgence of the VR market
    • The real self-driving car race will begin
    • Drone regulations will relax
    • Alibaba’s international expansion
    • Gen Z will become a major focal point for media companies and advertisers
    • Payment security will become paramount
    • Smart home devices will take off

    This comprehensive list of 35 predictions can be yours for free today. As an added bonus, you will gain immediate access to our exclusive free newsletter, Business Insider Intelligence Daily.

    To get your copy of this FREE report, simply click here.

    Join the conversation about this story »


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    rich person

    • John, who runs the personal-finance blog ESI Money, has spent the past few years interviewing millionaires.
    • He found that many employ a simple three-step strategy to build wealth: Earn good money, save it, and invest it.
    • Contrary to popular belief, it doesn't take a lucky big risk or an inheritance to become a millionaire.

    Sometimes, simplicity is key.

    That's particularly the case when it comes to building wealth, according to John, who runs personal-finance blog ESI Money and retired early at the age of 52 with a $3 million net worth.

    John, who doesn't share his last name online, interviewed 100 millionaires over the past few years and found that nearly all of them built their wealth in three simple steps, or what he calls "the old-fashioned way."

    "They earned a lot, saved a ton, and invested for a long time,"he wrote. This is in contrast to the common belief that most millionaires inherit their wealth or got lucky with big risks, he said, though one or two of his interviewees did get rich that way.

    The median net worth of millionaires John interviewed was $2.3 million. While 90% of them were men, 93% were married, so John said he considers the women millionaires as well. The median age of the people he surveyed was just under 50.

    One of the millionaires told John that he and his wife focused on their careers, made good decisions, saved, and had "good fortune with our investments," particularly through his 401(k). 

    "We started with literally nothing at ages 27 and 25, and never really made big salaries (although if someone had told me when I started out that I'd be making six figures someday, I would have told them they were crazy). We had some luck selling homes at the right time and made a few dollars as we were forced to move a couple times. But there was certainly nothing strategic about the timing," the millionaire told John.

    He added: "In all honesty the biggest moment in our financial life came when an older coworker literally walked me up to HR back in 1992 and made me sign up for this thing called a 401(k). If he hadn't been so forceful and insistent, I might not even be answering this interview as a millionaire."

    Read more: I asked 100 millionaires how they spend, save, and invest, and they told me exactly what I expected to hear

    John said this kind of behavior is characteristic for most of the millionaires he interviewed. "They make solid money moves over time and ultimately become wealthy," he wrote.

    The simple — and long-lasting — habits are the most important

    William D. Danko, coauthor of the best-seller "The Millionaire Next Door," is also a huge proponent of saving and maximizing income to build wealth — no matter your financial situation or education. In a recent Q&A with the Washington Post, Danko emphasized the importance of saving 20% of your income.

    "If you earn and spend everything, you cannot build a significant financial net worth," he said. "You must practice self-imposed financial scarcity. So, if you make $100,000, create a lifestyle that only requires 80% of this, and save/invest the rest."

    Committing to saving your income is part of setting financial goals. It's at the heart of building any wealth, Business Insider previously reported. That 20% should be put toward an emergency fund, retirement, and paying down debt.

    Danko also advised having more than one income stream to maximize your savings and investments, which will earn compound interest the earlier you start investing and the longer you live.

    In fact, investing is yet another way millionaires favor simplicity; John also found that they use a simple investing strategy by investing in low-cost index funds — the same investment strategy championed by billionaire investor Warren Buffett.

    "Becoming wealthy is simple — create a gap between earning and spending for many years," John wrote. "A huge inheritance or hot stock tip is not required."

    SEE ALSO: A self-made millionaire who interviewed 100 other millionaires found there's a surprising habit many have in common

    DON'T MISS: An early retiree who interviewed 100 millionaires found many of them built their fortunes using a simple investment strategy championed by Warren Buffett

    Join the conversation about this story »

    NOW WATCH: Tim Cook's estimated net worth is $625 million — here's how he makes and spends his money


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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.

    the bouqs co

    We've all been there — a holiday or event starts creeping closer and closer, your schedule starts getting more chaotic, and suddenly it hits you. "I forgot to find a gift!"

    Whether it just slipped your mind to prepare ahead or time or you received a last-minute invite to an event for which you should probably have a present, we've got you covered. 

    This list proves that last-minute gifts can still be thoughtful and unique — from clever subscriptions to useful gift cards and everything in between (all of which can be e-mailed to the recipient just in time). 

    Check out our picks for last-minute gifts they'll think you pored over:

    Looking for more gift ideas? Check out all of Insider Picks' holiday gift guides for 2018 here.

    SEE ALSO: All of Insider Picks' holiday gift guides, in one place

    DON'T MISS: 22 unique gift ideas for everyone in the family — all from Amazon

    An Amazon Prime membership to make their lives easier

    Amazon Prime membership, $39 for three months or $119 for a year

    The gift of Amazon Prime is always one that'll be met with extreme appreciation given that it is both practical and actually thoughtful. If the recipient already has a membership, the money will convert into a gift card that they can use on anything they want from the site. 



    A Birchbox subscription for beauty and skincare lovers of any gender

    Birchbox subscription, from three months for $30

    There's a reason Birchbox is so popular — it's a super affordable way to find and learn about new beauty, skincare, and grooming products for men or women without the risk of spending too much on full-sized options you might not like. For $30, you'll be able to gift three months worth of boxes right to their door. For a more substantial option, you can gift six months for $60, or 12 months for $110.  



    A box from Fanchest filled with their favorite team's gear

    Fanchest team boxes, starting at $59

    Chances are, if the person you're gifting is a serious fan, they'll love anything you get them with their team's logo emblazoned on it. Fanchest delivers boxes full of licensed memorabilia for NHL, MLB, NBA, NCAA, and NFL teams at a great value, and even has an option for babies. They also offer overnight and two-day shipping. 



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    Colin Kroll

    • HQ Trivia CEO and Vine cofounder Colin Kroll has died at the age of 34. 
    • Kroll helped create two of the most viral apps of the last decade after getting his start at Yahoo and travel site JetSetter. 
    • Here's a look at Kroll's career. 

    Colin Kroll, the cofounder of HQ Trivia and Vine, died on Sunday. He was 34.

    Kroll was the CEO of viral quiz app HQ Trivia up until his death on Dec. 16, and helped create popular video sharing app Vine, which was sold to Twitter in 2012.

    Kroll majored in computer science and worked at Yahoo and travel site JetSetter before striking out on his own. While he's had success in the tech world, Kroll also faced complaints of an aggressive management style and inappropriate behavior toward women in recent years.

    Hours after reports of Kroll's death, HQ posted on Twitter: "We learned today of the passing of our friend and founder, Colin Kroll, and it's with deep sadness that we say goodbye."

    Here's how Kroll got his start and helped build two of the most viral apps of the last decade.

    SEE ALSO: A record-setting 1.2 million people just competed for a $10,000 cash prize in the hottest app around

    Kroll studied computer science at Oakland University located in Rochester, Michigan, about 30 miles outside of Detroit.

    Source: Crunchbase



    Kroll started his career as a software engineer at Right Media, a platform for buying and selling advertising space. The company was acquired by Yahoo for $680 million in 2007.

    After the acquisition, Kroll served as an engineering manager in Yahoo's search and advertising technology, or SATG, group.

    Source: Crunchbase, AdAge



    Kroll left Yahoo in 2011 to become VP of product at luxury travel site JetSetter. He went on to become chief technology officer. The site is now owned by Trip Advisor.

    Source: LinkedIn



    See the rest of the story at Business Insider

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