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Here are our 10 most popular media and advertising stories of 2018

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Tim Armstrong AOL CEO

2018 was a tumultuous year in media and advertising, and our biggest Business Insider Prime stories are a reflection of that.

There were articles about Verizon taking on Google and Facebook, brands like McDonald's forcing agencies to change how they operate and TV companies trying to solve the ad measurement mess.

Here are our 10 most popular Prime media and advertising stories of 2018.

1. 'The market basically flipped on us in a six-month period': Why mobile-ad company Kargo decided to blow up a $100 million business

Mobile-ad company Kargo had built a solid $100 million business selling mobile banners to big publishers. That worked until programmatic ad buying came to mobile and "it slammed us," said the company. The sudden shift forced Kargo to morph from an ad network to an ad-tech company, which meant turning over a chunk of its staff.

2. Verizon has a new plan to take on Google and Facebook — but it needs to move fast

Verizon's Oath planned to pool together data from inside the company and digital competitors to build a more powerful ad-targeting mechanism that could take on the duopoly, but agencies are impatient with the company's pace.

3. TV measurement is a 'big fat mess' – and billions of ad dollars are at stake

The TV-advertising industry is wrestling with a massive challenge: how to measure the audience for its shows on digital platforms. As more consumers watch shows on devices other than television sets, it only gets more complicated.

4. Digital advertising is a mess — meet 23 industry insiders working on high-profile efforts to fix it

It's not all bad. Lauren Johnson compiled a list of people working to tackle the challenges of digital advertising. They include executives from brands, publishers, agencies, consultants, and tech companies including IAB Tech Lab, Adobe and Knotch who are working to solve the variety of problems plaguing the industry.

5. Videology, an ad-tech firm that was once loved by investors, is looking for a buyer as Google and other tech giants dominate the industry

Mike Shields laid out the story of how Videology, a software maker that placed a big bet on advanced TV advertising, went from raising $200 million to laying off a chunk of its staff and putting itself up for sale. 

6. Big ad agencies are trying to cut out ad-tech middlemen — and justify their own existence

Giant ad-buying agencies are exploring direct programmatic ad deals with top publishers, which could cut out ad-tech intermediaries while restoring power to ad agencies as their futures are increasingly in doubt.

7. Big marketers like McDonald's, HP and State Farm are changing the ad agency model as we know it 

Tanya Dua showed how major brands including McDonald's, HP, State Farm and Mercedes-Benz are demanding bespoke, integrated ad agencies, and agencies are being forced to adapt to survive.

8. AT&T has notified a group of dealers who sell DirecTV products that their contracts will end in December after a terrible quarter for pay TV

Abby Jackson revealed how AT&T is still struggling to stabilize DirecTV, three years after its $50 billion acquisition of the business.

9. Inside Roku's battle to control the future of TV advertising — and why it better watch out for Amazon

Roku wants to own as much of the connected TV ad ecosystem as possible, which is leading it to throw its weight around with publishers and advertisers - borrowing tactics from the "walled garden" playbooks of Google and Facebook.

10. Big ad agencies are shoving ad-tech companies under the bus

Ad agency holding company Dentsu Aegis Network, through a digital subsidiary, is looking to buy more ads directly from web publishers, cutting out several layers of ad-tech companies that have traditionally acted as a go-between in digital ad deals.

Join the conversation about this story »

NOW WATCH: Why Harvard scientists think this interstellar object might be an alien spacecraft


Our 17 most-read tech stories of 2018

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musk Flamethrower

  • From revelations about Amazon's warehouses to people buying "flamethrowers" from Elon Musk's Boring Company, it's been quite a year in tech. 
  • To look back on the past 12 months, we've compiled the most-read tech stories on Business Insider. 
  • Here are our 17 most popular stories of the year.

As 2018 comes to a close, it's time to look back on the year in tech. 

The past 12 months have brought hilarity in all forms, like Rep. Steve King confusing which company makes the iPhone, and people lighting stuff on fire with Elon Musk's Not-A-Flamethrower.

But the year has also brought new revelations, like how late Apple CEO Steve Jobs treated his daughter, Lisa, and the conditions inside Amazon's warehouses. 

As a way to look back on 2018, we've compiled the 17 most-read tech stories of the year on Business Insider.

Here they are:

SEE ALSO: The 17 tech gadgets on our wish lists this year

17. "We used Google Flights and Kayak to see which is best for booking travel — here's the verdict" by Avery Hartmans

We compared two of the major flight booking services, Kayak and Google Flights, to see which one was better.

The services have a lot of features in common, the main one being that they both aggregate flights from major airlines and both take you off their sites to actually book your trip. But we were curious which had more standout features — and, of course, which could find cheaper flights.

Read the full story here.



16. "This 26-year-old makes $500,000 every month playing 'Fortnite' in his bedroom — here's how he does it" by Kaylee Fagan

We profiled Tyler "Ninja" Blevins, the 26-year-old Twitch streamer who plays the popular game "Fortnite" with Drake and professional athletes and reportedly makes half a million dollars every month from his bedroom.

Read the full story here.



15. "People are already torching things they shouldn't with Elon Musk's flamethrowers" by Isobel Asher Hamilton

Elon Musk's Boring Company got its $500 "Not-A-Flamethrower" into the hands of consumers for the first time in June.

More than 1,000 people got hold of the devices at a Boring Company headquarters pickup party, where they torched marshmallows.

Soon after, some people torched things at home and shared the images on social media.

Read the full story here.



See the rest of the story at Business Insider

Netflix's 'Black Mirror: Bandersnatch' is an interactive movie with 5 different endings, and fans can expect more 'Black Mirror' in 2019

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black mirror

  • "Black Mirror: Bandersnatch" is an interactive movie and has five different endings.
  • According to The Hollywood Reporter, Netflix first pitched the idea to "Black Mirror" creator Charlie Brooker in May 2017.
  • A Netflix representative told Business Insider, "While Bandersnatch is a standalone film, it is not the sole film in Season 5. Season 5 will still return in 2019." 

Netflix released the first standalone "Black Mirror" movie on Friday, "Black Mirror: Bandersnatch, which features an interactive, choose-your-own-adventure style storyline that has been nearly two years in the making. 

Netflix dropped a trailer for "Bandersnatch" on Thursday, which described it as a "Black Mirror Event," but the streamer kept most details away from the public. The Netflix page for the movie was also live, and described it as a Netflix Film. Now, the movie's Netflix page describes it as a "Netflix Interactive Film."

Here's the Netflix description for the movie: "In 1984, a young programmer begins to question reality as he adapts a dark fantasy novel into a video game. A mind-bending tale with multiple endings."

READ MORE: All 19 episodes of 'Black Mirror,' ranked from worst to best

"Bandersnatch" features five different endings, according to The New York Times. Options appear at the bottom of the screen with only a few seconds to choose. The Times reporter, David Streitfeld, said that the episode went back to the beginning when he did not choose anything, but it wasn't clear whether it was a glitch or punishment.

According to The Hollywood Reporter, viewers will need about 90 minutes to reach an ending to "Bandersnatch," but could take almost two and a half hours to fully experience it.

Netflix pitched the idea of an interactive story to "Black Mirror" creator Charlie Brooker in May 2017, THR said. Brooker was hesitant at first.

"We didn't know what the story would be and thought, 'Wouldn't that just be a gimmick?,'" Brooker told THR. "Annoyingly, several weeks later, we were throwing story ideas around and this idea popped up that would only work as an interactive. It was good to come back and have an idea, but also daunting."

"Bandersnatch" isn't taking the place of season 5, however.

A Netflix representative told Business Insider, "While Bandersnatch is a standalone film, it is not the sole film in Season 5. Season 5 will still return in 2019."

SEE ALSO: Stephen King was 'riveted' by Netflix's new thriller, 'Bird Box,' and slammed critics for suffering from 'Netflix Prejudice'

Join the conversation about this story »

NOW WATCH: 6 airline industry secrets that will help you fly like a pro this holiday season

Fraud is expected to cost the ad industry $44B in 2022 — here’s how blockchain could help stop it

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Ad blockchain diagram

This is a preview of a research report from Business Insider Intelligence. Current subscribers can read the report here.

Blockchain technology promises to transform how nearly all industries manage data. Since roaring onto the scene as the engine behind Bitcoin in 2009, it's become applicable to a diverse array of industries beyond financial services, including industrial manufacturing, healthcare, and logistics.

The common thread between these industries is that they all feature complex supply chains, large numbers of interconnected players, and vast amounts of data. The digital advertising industry shares those characteristics as well. These characteristics, combined with the industry's transparency issues, make advertising a prime candidate for blockchain solutions.

Blockchain can help solve one of the advertising industry’s biggest challenges: opaque advertising practices.  Publishers, advertisers, and ad tech vendors are exploring blockchain as a tool to boost transparency around ad practices, with the end goal of reducing fraud. Ad fraud is expected to cost the industry $44 billion by 2022, up from $19 billion this year, according to Juniper Research estimates. Through its function as a public database, blockchain can store information about a digital advertisement, like who has created it, while sharing it with everyone else on the network in a verifiable and immutable way. For digital advertising, that means ad impressions can be tracked along the supply chain, and advertisers can record where an ad is delivered. 

In this report, Business Insider Intelligence will explain what blockchain technology is and how it can inject transparency into the advertising supply chain. We will then highlight the significant hurdles to adoption, and propose different ways the industry could navigate those challenges. Finally, the report will profile companies that are at the forefront of the blockchain advertising space to give advertisers an idea of what blockchain looks like in practice today.

The companies mentioned in this report are: Basic Attention Token (BAT), IBM, Kochava, and MetaX

Here are some of the key takeaways from the report: 

  • Blockchain promises to mitigate ad fraud through its function as an immutable public database, which allows it to store and validate previously murky information about digital ads.
  • Despite this promise, just 11% of advertisers and agency executives have completed an ad buy using blockchain technology, according to an Advertiser Perceptions survey.
  • Limited adoption is the result of several significant hurdles — like ad executives' skepticism around the technology's usefulness — which must be overcome before blockchain is widely accepted.
  • Blockchain is heralded as a transformative technology, and while it has that potential, it's not quite there yet for advertisers.
  • Still, it shouldn't be dismissed as "pie in the sky"— blockchain presents several short-term use cases for advertisers, and those who take advantage will be set up for long-term success as the technology matures.

In full, the report: 

  • Highlights how blockchain technology works, and how it can be integrated into the advertising supply chain to improve transparency. 
  • Outlines practical, low-risk ways marketers can prepare themselves to benefit from blockchain including using smart contracts, registering domain names, and exploring tokens that reward consumers for use of their data. 
  • Profiles several companies at the forefront of the blockchain advertising space, gaining industry-wide recognition as thought leaders.

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The smartphone camera could become the new way consumers find products online

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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, Business Insider 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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Barack Obama names his favorite movies of 2018

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barack obama

Former President Barack Obama has chosen his favorite books, songs, and movies of the year. 

He picked 15 movies that hit theaters in 2018. 

From Marvel's blockbuster "Black Panther" to sci-fi horror "Annihilation" to Korean drama "Burning," Obama's list shows a wide range of interests.

Here are his favorites: 

"Annihilation"

"Annihilation" is a sci-fi horror film led by an incredible group of women, including Natalie Portman, Jennifer Jason Leigh, Gina Rodriguez, Tessa Thompson, and Tuva Novotny. The adaptation of Jeff VanderMeer's novel of the same name follows a group of scientists who investigate a "shimmer," a mysterious area caused by an alien force.  



"Black Panther"

Marvel's "Black Panther" is a blockbuster smash centered on T'Challa (Black Panther) after he returns to Wakanda in the wake of his father's death and takes the throne. The film is a masterpiece and features a remarkable cast including Chadwick Boseman, Michael B. Jordan, Lupita Nyong'o, Danai Gurira, Letitia Wright, Winston Duke, and Angela Bassett. It even earned Marvel its first Golden Globe nomination for best picture



"BlacKkKlansman"

Spike Lee directed this comedy-drama based on the true story of Ron Stallworth, a black detective who infiltrated a local Ku Klux Klan chapter in 1970s Colorado. With the help of a white detective who would impersonate him at Klan meetings, they managed to expose the organization. 



See the rest of the story at Business Insider

Here's the 'Jeopardy!' practice test — would you make it onto the show?

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Alex Trebek Jeopardy

  • The "Jeopardy!" website offers different categories of practice tests to see how well you'd do on the show.
  • The regular adult test consists of 30 questions on a variety of subjects including geography, literature, and science.
  • The real online test is offered a few times a year, followed by auditions.

If you've ever played along while watching "Jeopardy!" and wondered how you'd fare on the show, there's an easy way to find out.

The official "Jeopardy!" website offers practice tests to help aspiring contestants get a feel for the kind of questions that appear on the show. It contains 30 questions on a variety of subjects including geography, literature, science, and even a bit of pop culture.

The real online test is offered a few times a year. A few lucky people who pass it are randomly selected to audition, and those who show off both their knowledge and personality at auditions get to appear on a taping of the show.

Here are the questions from the adult practice test. How many can you answer correctly?

BOTANY: This green pigment is necessary for plants to carry out photosynthesis.

Answer: What is chlorophyll?



CITIES OF THE WORLD: Mosul and Ramadi can both be found in this Middle East country.

Answer: What is Iraq?



ANIMALS: Its name is from the Greek for "river horse."

Answer: What is the hippopotamus?



See the rest of the story at Business Insider

A 'super blood wolf moon' in January will be the last total lunar eclipse until 2021 — here's how to catch it

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Super blood blue moon

  • A total lunar eclipse will occur on January 20. 
  • This "super blood wolf moon" gets its name because the eclipse will occur when the moon is full (called a wolf moon in January) and closer to Earth than normal (a super-moon). The Earth's shadow will make it appear reddish.
  • The lunar eclipse is slated to last one hour and two minutes.

On January 20, the Earth will pass between the sun and moon, block light from the sun and casting a shadow on the moon.

This is a total lunar eclipse, and it will be the last one we see until May 2021 (though there will be partial lunar eclipses before then). 

Total lunar eclipses are not that rare — the last one occurred in July 2018— but this one stands out as a "super blood wolf moon." 

That name is based on the eclipse's timing and the moon's position relative to Earth. Total lunar eclipses make the moon look orange-red because of the effect that Earth's atmosphere has on the sunlight that passes through it, which is why they are often called blood moons. Full moons that occur in in January are known as "wolf moons" (each month gets its own full-moon name), and this one will appear especially bright and big because the moon will be a little closer to Earth than normal — hence the label "super."

The total lunar eclipse will be fully visible to people in North America, South America, Greenland, Iceland, western Europe, and Africa. People in other parts of the world will see a partial eclipse.

According to NASA, the total lunar eclipse will last one hour and two minutes. For those on the US East Coast, the total eclipse will begin around 11:41 p.m. local time with a peak at 12:16 a.m.  

During a lunar eclipse, the moon first touches Earth's outer shadow, called a penumbra, then moves into the full shadow, called the umbra. It then goes back into the penumbra.

how total lunar eclipse works blood moon umbra penumbra earth shadow refraction diagram physics nasa shayanne gal business insider graphics

About 80% of Earth's atmosphere is nitrogen gas, and the rest is mostly oxygen. After our atmosphere takes in white sunlight, that gas mixture scatters around blue and purple colors, which is why the sky appears blue to our eyes during the day. 

During a lunar eclipse, Earth's atmosphere scatters blue light and refracts the red — a process similar to what we see during sunrise and sunset. That's why the moon appears to turn red when in Earth's umbra.

Watching a total lunar eclipse is not dangerous — unlike looking at a solar eclipse without protection— so you don't need any special glasses.

 

Join the conversation about this story »

NOW WATCH: Why the moon turns red during a total lunar eclipse


Sears, once the largest retailer in the world, could be forced to liquidate. Here's how it got there. (SHLD)

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  • Sears has until 4 p.m. ET on Friday to secure bids for the company to save it from liquidation after filing for bankruptcy in October. 
  • Chairman Edward Lampert and his hedge fund, ESL Investments, outlined a plan earlier this month to buy up the rest of Sears for up to $4.6 billion in cash and stock. However, sources told CNBC that as of Thursday afternoon Lampert had not submitted his bid or rounded up financing.
  • Sears has been losing money and closing stores for years. Many employees and analysts blame Lampert for the retailer's decline.
  • These photos show how Sears went from being the largest and most prominent retailer in the United States to the struggling company that it is today. 

Sears is hours away from possible liquidation. 

The century-old department-store chain has until 4 p.m. ET to secure a bid for the company, without which it faces closing down completely.

Sears chairman Edward Lampert and his hedge fund, ESL Investments, outlined a plan earlier this month to buy up the rest of Sears for up to $4.6 billion in cash and stock. However, sources told CNBC that as of Thursday afternoon Lampert had not submitted his bid or rounded up financing. Despite this, sources said that it could be possible that he meets the deadline. 

A spokesperson for ESL Investments declined to comment to Business Insider.

Sears filed for bankruptcy in October and announced that Lampert would be stepping down as CEO. 

"Over the last several years, we have worked hard to transform our business and unlock the value of our assets," Lampert said in a statement to the press at the time. "While we have made progress, the plan has yet to deliver the results we have desired, and addressing the Company's immediate liquidity needs has impacted our efforts to become a profitable and more competitive retailer."

Since then, American consumers have been lamenting the loss of what was at one point the world's largest store and considered to be an early innovator of the shopping landscape.

Keep scrolling to see the story of its downfall in photos:

SEE ALSO: Decaying stores, plunging sales, and a remote CEO: How Sears was driven to the edge of bankruptcy

Sears started off as a mail-order catalog company selling watches and jewelry in 1888. It became the largest catalog company in the United States after expanding its assortment.



In the 1920s, as catalog shopping started to fade out, Sears adapted to the changing times and opened stores. According to Investopedia, sales at its stores outpaced catalog sales by 1931.

Source: Investopedia



The company grew from being only a retailer to offering financial services, including setting up an insurance arm with Allstate and acquiring various financial brokerage firms.

It also began rolling out its own brands such as Craftsman, DieHard, and Kenmore.



See the rest of the story at Business Insider

Patients are transforming from passive recipients of healthcare services to active participants in their own health (TGT, CVS, WMT)

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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.

US Patients Are Foregoing Traditional Hospital Services for Urgent and Retail Care Clinics

The consumerization of healthcare — a fundamental shift in patients’ preferences, behaviors, and demands around healthcare services — is threatening hospitals' bottom lines. For the first time, patients are transforming from passive recipients of healthcare services to active participants in their own health. They're flocking to online review sites to choose which doctor to see, skipping hospital visits in favor of a health clinic in their local CVS, and aren't afraid to ditch providers that don't offer them an engaging experience.

The superior customer service expectations of millennials, declines in hospital profitability, and threats from startup providers and retail pharmacies intensify the need for providers to revamp the patient experience. Providers' current engagement capabilities are weak, and deficiencies around scheduling, appointment wait times, and billing are dragging on patient satisfaction, driving patients elsewhere and draining provider revenue.

In this report, Business Insider Intelligence explores the trends that are driving providers to revamp their care services. We then outline how patients' expectations for transparency, convenience, and access are transforming the way they interact with providers across each stage of care. Finally, we detail strategies health systems and hospitals can implement to create a consumer-centric patient experience that fosters satisfaction, loyalty, and patient volume. 

The companies mentioned in this report are: 98point6, BayCare, Cleveland Clinic, CVS, Integris, Kaiser Permanente, Luma Health, New York-Presbyterian, One Medical, Publix, Target, Walgreens, Walmart, Yelp, and Zocdoc.

Here are some of the key takeaways from the report:

  • The consumerization of healthcare is redefining how consumers engage with providers across each stage of care. 
  • But the vast majority of healthcare providers haven’t sufficiently altered their services to align with current patient expectations. Only 8% of US hospitals and health systems demonstrate strong consumer-centric performance, per a 2018 Kaufman Hall survey.
  • Failure to react to patient preferences hurts provider organizations’ bottom lines. US hospital profit margins are already thinning, and an emerging reimbursement model that ties a portion of providers' compensation to patient satisfaction means providers can't afford to preserve the status quo. 
  • Alternative players with consumer-focused healthcare services threaten to poach patients from traditional health systems. Tech-focused primary care startups, like One Medical and 98point6, and retail outlets, like Target, Walmart, and CVS, offer patients on-demand access to healthcare providers via mobile apps and convenient locations to receive healthcare services, drawing them away from incumbent health systems.
  • In order to retain patients — and keep them from straying to alternative care services — providers must transform their services with an emphasis on transparency, access, and ongoing engagement outside of the clinic. 
  • Healthcare providers that tailor their services to the new healthcare consumer will be well positioned to see growth. Alternatively, businesses that don’t implement these changes could find themselves falling behind the rest of the industry or closing their doors for good.

In full, the report:

  • Details how patient behavior, preferences, and expectations have changed.
  • Outlines the demographic and industry trends that should add a sense of urgency for providers to revamp the patient experience.
  • Summarizes how the patient experience providers currently offer isn't conducive to loyalty and is likely driving patients to nonhospital services.
  • Explains strategies health systems and hospitals can implement to create a consumer-centric patient experience that fosters satisfaction, loyalty, and patient volume. 
  • Offers examples of provider organizations that have successfully adopted new strategies to encourage patient-doctor communication, improve satisfaction, and drive scheduling capacity.

 

SEE ALSO: Top 5 Healthcare Startups & Digital Health Tech Disruptors in 2018

Join the conversation about this story »

Director Jason Reitman made 2 of the year's best movies. But you probably didn't see them.

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tully focus features

  • Oscar-nominated writer-director Jason Reitman had two movies out this year and you probably didn't even realize it.
  • Charlize Theron in "Tully" and Hugh Jackman in "The Front Runner" both give career-best performances, but both movies were forgotten when released in theaters.
  • Here's why you should see both movies.

 

I have this recurring dream. It starts somewhere in the bowels of the Sony offices, and I’m hearing in the distance faint sounds of yelling and loud banging. As I get closer, I realize the noises are coming from inside a glass-walled board room. I peek at what’s going on inside and see writer-director Jason Reitman standing on the table, yelling at executives, while behind him Hugh Jackman is in full Wolverine berserker mode throwing chairs, a sofa, and trays of finger food set up for the meeting.

Okay, I never had this dream. It’s more of a fantasy I have of how Reitman and Jackman reacted during the nonexistent release Sony’s Columbia Pictures gave their movie, “The Front Runner.”

In a year when the field of Oscar contenders is so wide open, I’m still puzzled how this movie is on the outside looking in.

Read more: Inside how "The Front Runner" starring Hugh Jackman captured the tabloid affair scandal that changed politics forever

In "The Front Runner," Reitman takes the sex scandal that flatlined the presidential campaign of Senator Gary Hart in 1987 and delivers a Robert-Altman-esque satire that explores the insanity of political campaigns and the start of reporters digging deep into the personal lives of those running for the highest office in the land. This is all done with some of the best writing in any movie this year. And Jackman delivers one of the best performances of his career.

But you wouldn’t know anything about that, because you probably didn’t get a chance to see the movie.

Columbia played it in theaters for six weeks, but its highest theater count was around Thanksgiving on only 800 screens. It ended up making just $2 million. I mean, honestly, did you ever see any advertising for this movie? It's hard to go see a movie if you don't know it’s playing.

The Front Runner SonyI wish I could say Reitman just got a tough break. But this had already happened to him this year!

In May, Reitman's movie “Tully” — in which he teamed once again with his “Juno” screenwriter Diablo Cody and had Charlize Theron (like Jackman, giving one of her best performances ever) in the lead playing a woman navigating the challenges of being a mother — also had a blink-and-you-missed-it release.

It wasn't quite at the level of “The Front Runner.” Focus Features at least gave it a marketing push and opened it on over 1,300 screens. The movie also had a 85% rating on Rotten Tomatoes. But it’s likely you didn’t see this movie, which was in theaters for five weeks, because “Avengers: Infinity War” had just come out the weekend before and had taken over the zeitgeist. The plan was probably that "Tully" would serve as a counter-programming release to the Marvel blockbuster. But instead it was forgotten, only making $9.3 million domestically, and $15.5 million worldwide.

Read more: Diablo Cody took inspiration from her own parenting struggles to write "Tully"— her best movie since "Juno"

Jason Reitman’s work has always been an acquired taste, but when he finds the right material his movies are powerful works. He hit it out of the park with 2007’s “Juno,” which led to a best original screenplay Oscar win for Cody and nominations for both Reitman and star Ellen Page. Reitman then captured Clooney at his leading man zenith with 2009’s “Up in the Air,” which was nominated for six Oscars, including another directing nomination for Reitman and best picture.

Both “Tully” and “The Front Runner” are as good (arguably better) than Reitman's most well-known titles and both show his growth as a filmmaker.

In “Tully,” Reitman uses Cody’s words and story structure to weave one of the most honest looks at parenthood you’ll ever see.

Stressed, tired, and at the end of her rope with everyone in her life, Marlo (Theron) hires a nanny, Tully (Mackenzie Davis), whose specialty is to work overnight and take care of a newborn while the mom gets some much needed sleep. The mom then wakes up to a clean house and is recharged to take care of the kids during the day. Gradually, Reitman peels the layers to show that what the audience is watching is not reality as much as the world Marlo has created through her state of exhaustion.

tully Focus Features finalYou might read this and say, “Sounds too serious for me.” Okay, but the biggest movie in the world this year was about a giant purple guy who eliminated half of the world’s population with just the snap of his fingers. So I think you can take it!

While “Tully” is very much Reitman being the vessel for Cody’s powerful story, in “The Front Runner,” he’s the driving force.

Reitman shared screenwriting duties with political columnist Matt Bai (who wrote the book the movie is based on) and political strategist Jay Carson. Together the trio dived into the weeks leading up to Senator Gary Hart dropping out of the presidential race in 1987. What resulted is an authentically told look at not just how Hart’s reported affair crippled his campaign, but how campaign trail life is. Reitman tells the story at a fast pace, with most of the shots featuring the cast talking over one another and the camera moving around showing the numerous things going on at the same time. It’s highlighted by the movie's opening: Reitman does a long uncut shot that begins at a news truck delivering election results, and weaves through a crowded street, ending high above the action with a political aide of Hart’s looking outside a hotel window.

Hugh Jackman Jeason Reitman GettyThe movie is a mixture of Robert Altman’s overlapping dialogue style mixed with the naturalistic cinematography found in early Michael Ritchie movies like “Downhill Racer” or “The Candidate.”

And then there’s the performance given by Jackman as Hart. Hart is a man who has become a beacon for young voters to get behind with his good looks and platform that is different than most preached by the political establishment. And Jackman plays him as someone who doesn’t like the political game but knows he has to do it to make the change he wants possible. When he’s confronted with the affair news, Jackman then perfectly plays the crippling effect of a front runner relegated to tabloid fodder.

"The Front Runner" is Reitman’s most unique movie yet, and is a fascinating evolution to see after the strong work he did on “Tully.”

But you probably wouldn’t know that.

Sure, my fantasy of Reitman and Jackman making a big stink is probably just that. But I hope someone got a stern phone call from Reitman — or at least a text.

SEE ALSO: 5 big trends that could shake up the movie business in 2019

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I drove a $57,000 Chevy Silverado to see if the all-new pickup can take on the Ford F-150 — here's the verdict (GM)

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2019 Chevy Silverado

  • Following Ford with its new flagship F-150 pickup, Chevy has rolled out the Silverado full-size hauler for 2019.
  • There are now updated versions of the the three bestselling full-size pickups in the market: the Silverado, the F-150, and the RAM 1500. 
  • The stage is set for an old-fashioned truck war in 2019 — and the the new Silverado is more than up to the challenge, even though it's not as heavily improved as the F-150.

Americans buy millions of full-size pickup trucks every year. And over the past four, they've shown an especially robust enthusiasm for the vehicles, as the US economy has roared and gas prices have remained low.

This is good news for Detroit because pickups are huge profit drivers. But here's the thing: although a carmaker can stick with a pickup design for a decade, it's critical to update when the competition does.

That's the cycle we're in at the moment. Ford revamped its legendary F-150 a few years back, so it was only a matter of time before Chevy and RAM followed. That's now happened, so consumers have three new full-size pickups to choose from.

The pitched battle is between Ford and Chevy, of course, as it always has been. Chevy is now bringing an all-new Silverado to the action. We've driven the previous generation of the truck, and we've sampled the F-150 in various guises. So I was excited to get my hands on the new, fourth-generation Silverado for a week.

Here's how it went: 

SEE ALSO: We drove a $63,000 Ford Raptor and a $58,000 Chevy Silverado Z71 to see which pickup truck we liked better — and the winner was clear

This is the great "Summit White" 2019 Chevy Silverado, the fourth generation of the nameplate, but a full-size pickup that can trace its lineage back to the early 1960s.



What has changed, you might ask yourself? Well, the third-gen truck had been around since 2007, so despite updates, it was getting long in the tooth.



Plus, Ford rolled out its new F-150 in 2015 ...



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Dell jumps in its return to the public market (DELL)

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Michael Dell

  • Dell jumped as much as 3.88% to $46 Friday as it returned to the public market.
  • Dell reentered the public markets without going through the usual initial-public-offering process because it bought back shares tied to its interest in the software maker VMware.
  • The acquisition faced strong opposition from billionaire activist investor Carl Icahn, who was VMware's second-largest shareholder. 
  • For Dell, buying back DVMT was actually something of a Plan B. Originally, the company was floating the idea of performing a "reverse merger" with VMware, that would see Dell go public by completely taking it over.

Dell jumped as much as 3.88% to $46 Friday as it returned to the public market. It is currently trading up 1.19%, giving it a market cap of almost $9 billion.

The computer maker reentered the public markets, but didn't go through the usual initial-public-offering process. That's because earlier this month it paid $23.9 billion ($120 a share) to acquire the publicly traded "tracking" shares of VMware, a listed software maker that was already about 80% owned by Dell. The shares, under the ticker "DVMT," were born as part of Dell's complicated deal to buy EMC a few years ago. 

Dell's acquisition of DVMT faced strong opposition from the billionaire activist investor Carl Icahn, who owned an 8.3% stake and was VMware's second-largest shareholder.Icahn sued Dell last month because of its previous proposed $21.7 billion offer for the tracking shares. He thought the shares were worth $144 apiece— 20% more than the $120 they were acquired for earlier this month

For Dell, buying back DVMT was actually something of a Plan B. Originally, Dell floated the idea of performing a "reverse merger" with VMware, that would see it go public by completely taking it over.

In February, Morgan Stanley analysts Keith Weiss and Sanjit Singh said such a merger would be "worst case scenario" for VMware shareholders, and Dell ultimately backed down from that plan of action — instead opting to purchase this VMware tracking stock, and go public that way.

Now read:

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Mark Zuckerberg declares victory at the end of a brutal year for Facebook: ‘I’m proud of the progress we made’ (FB)

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Mark Zuckerberg

  • Facebook had a difficult 2018.
  • Mark Zuckerberg's public goal this year was to fix the social network's issues.
  • "I'm proud of the progress we've made," Zuckerberg wrote in a post on Friday. 
  • He says that Facebook has intentionally made changes that would harm its bottom line, in the name of building a stronger service: "One change we made reduced the amount of viral videos people watched by 50 million hours a day," Zuckerberg wrote.

Facebook has had a difficult 2018, enduring issues ranging from data leakage scandals, congressional inquiries, and even accusations that foreign governments used the social network to spread misinformation and propaganda. 

But looking back on the year, Facebook founder and CEO Mark Zuckerberg sees a job well done. 

"For 2018, my personal challenge has been to focus on addressing some of the most important issues facing our community -- whether that's preventing election interference, stopping the spread of hate speech and misinformation, making sure people have control of their information, and ensuring our services improve people's well-being," he wrote in a note posted to his Facebook page on Friday. 

"In each of these areas, I'm proud of the progress we've made."

Zuckerberg famously gives himself an ambitious goal every year as part of his New Year's resolutions. In 2018, it was to fix Facebook.

Mission accomplished, Zuckerberg says, although there's still more work to be done. 

"To be clear, addressing these issues is more than a one-year challenge. But in each of the areas I mentioned, we've now established multi-year plans to overhaul our systems and we're well into executing those roadmaps," Zuckerberg wrote.  

The rest of Zuckerberg's lengthy note goes into how Facebook has improved its systems and incorporated artificial intelligence systems to fight propaganda, remove harmful content, and even reduce the amount of time people spend on viral videos on the site. 

"One change we made reduced the amount of viral videos people watched by 50 million hours a day," Zuckerberg wrote. "In total, these changes intentionally reduced engagement and revenue in the near term, although we believe they'll help us build a stronger community and business over the long term."

Zuckerberg didn't reveal what his personal goal for 2019 is in Friday's post, but if it's anything like what he did last year, it's sure to make headlines. 

Read the entire note below: 

SEE ALSO: Facebook endured a staggering number of scandals and controversies in 2018 — here they all are

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A bygone luxury destination 2 hours outside of NYC is now attracting millennials with tiny house resorts, Instagrammable lodges, and wellness retreats

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scribners lodge catskills

 

Young city-dwellers are flocking to an unexpected vacation hotspot with a rich history: The Catskills in upstate New York.

The Catskills used to be a favorite summer getaway, full of luxury resorts, bungalows, and "palatial getaways for wealthy New Yorkers escaping the city for health or for the views," as Curbed reported. The area, only about a 2.5-hour drive from the city, was nicknamed the "Borscht Belt" because many Catskills vacationers were of Jewish origin, seeking a place of their own where they'd feel welcome. But as airfares got cheaper, beach vacations became more popular, and anti-Semitism declined, the resorts lost business and most of them closed down by the 1970s, according to Reuters.

In recent years, they've been replaced by tiny house resorts, hip boutique hotels, and luxury lodges that are drawing city-dwelling millennials back in to the area. 

"[The area] has always been a destination; it's just been a long time since anybody has reinvested there," Marc Chodock, founder of Scribner's Catskill Lodge near Hunter Mountain ski resort, told Business Insider.

The target guests at Scribner's, a 1960s hotel renovated and reopened by Chodock and his business partner Glennon Travis in 2016, are "urban young professionals," Chodock said. The lodge, with its minimalist, Instagrammable aesthetic, has become a hotspot for millennial city-dwellers from New York City and other nearby urban areas such as Philadelphia and Boston, or "a new generation of urban explorers," as Scribner's calls them. Rooms start at about $180 per night.

scribner's lodge

One way Scribner's appeals to this new generation is by selectively working with social media influencers, such as the blog Escape Brooklyn, as well as brands popular with millennials, including Allbirds, Madewell, Hunter Boots, and Veuve Clicquot.The lodge has hosted a pop-up event with shoe company Superga and partnered with BMW to lend out a pair of free vehicles to guests.

"I think people that are coming to Scribner's, they're wanting to get away in the woods but also be around people," Chodock said. "It's a very different setting than what is going on in Montauk, where it's just throes of people all trying to fill into various small areas. This is a much more relaxed, much more laid-back type of connection."

Read more: People are paying up to $700 a night to go 'glamping' in luxury tents with 1,500-thread count linens on an island in New York Harbor

It's not just Scribner's drawing young cityfolk to the Catskills.

"The Catskills are experiencing an incredible renaissance in the travel and tourism market," Roberta Byron-Lockwood, president of the Sullivan Catskills Visitors Association, told Curbed.

Graham & Co. and Phoenicia Diner are two businesses that paved the way for Scribner's, Chodock said. 

Graham & Co., a refurbished 1940s hotel that reopened as a stylish boutique hotel in 2013, lists among its amenities"free bikes," bonfires," and "togetherness." Rooms start at about $200 a night, according to the website.

exciting winter deal w/ @giltcity @phoeniciadiner @tavern214 live now! link in bio #thegrahamandco #promotional #giltcity

A post shared by The Graham & Co. (@thegrahamandco) on Nov 23, 2016 at 9:31am PST on

Then there's Phoenicia Diner, which was built in 1962 and moved to its current location in the early 80s. It closed down in 2011 only to be bought by a former film set builder and Brooklyn resident, Mike Cioffi, according to the Guardian. Cioffi reopened the diner in 2012. It soon "earned a reputation as an Instagram-friendly 'hickster' eatery," according to Forbes.

Tiny homes have skyrocketed in popularity in recent years, and of course you can find them in the Catskills — at the Tiny House Resort, with its nine simple yet luxurious vacation rentals in the woods, each equipped with Wi-Fi, Cable TV, and Netflix, where guests can also kayak, hike near creeks and waterfalls, and enjoy fresh eggs from the resort's chickens and ducks.

Hygge coziestnests #tinyhouseresort #nestin #thisnestisbest #timetogether #whereluxurymeetsnature #birthdayweekend #anniversarygifts #2hoursfromnyc #catskillsmountains #catskillgetaway

A post shared by Think big! A Tiny House Resort (@thinkbig_atinyhouseresort) on Dec 10, 2018 at 7:28pm PST on

The Catskills hospitality industry has also kept in mind that millennials have been called the "wellness generation."

The YO1 Wellness Center, which opened in the summer of 2018, offers yoga and acupuncture, in addition to treatments that include underwater massages and herbal oil baths.

Part of the allure of the Catskills for city-dwellers — apart from access to nature — is the feeling of exploration and authenticity.

"There's a sense of discovery in visiting this area. It's out of the way. And it's not the Hamptons, lined with stores you see on Fifth Avenue," Cioffi, owner of the Phoenicia Diner, told CNN last year. "If you spend a dollar in a store on Main Street, it stays in this community. I think people appreciate that."

SEE ALSO: Inside the world's largest underwater restaurant, which has a 36-foot window that looks right out into the seabed so guests can watch marine life swim by as they eat

DON'T MISS: The most expensive home for sale in the Hamptons is a massive $175 million estate that's been on the market for over a year

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The key to the Knicks' rebuild could be a 20-year-old French guard that the NBA can't seem to figure out

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frank ntilikina 1

  • As the New York Knicks undergo a lengthy rebuild, second-year guard Frank Ntilikina's development has become an interesting plot point.
  • The 20-year-old has continued what's been an up-and-down NBA career, at times showing immense two-way potential, and other times looking lost on the floor.
  • If Ntilikina realizes his full potential, he would be a crucial piece to a young, up-and-coming core.
  • Many believe Ntilikina will eventually develop, but some wonder if the Knicks will stay committed to his development.

The New York Knicks are undergoing the type of rebuild that fans have often pined for but rarely gotten to see through.

With All-Star big man Kristaps Porzingis sidelined indefinitely with a torn ACL, the team has collected young players and projects to sift through for pieces of a future core. The team has admitted that winning is not a priority. Head coach David Fizdale has described his staff as "player development" coaches, and their priority is to find ways to improve each player.

The Knicks are on pace for a fifth-straight 50-loss season but appear to have made some good finds. They have added rookies Kevin Knox and Mitchell Robinson, undrafted guard Allonzo Trier, and once-wayward lottery picks like Emmanuel Mudiay and Noah Vonleh.

Lost in that mix is the Knicks' 2017 first-round pick Frank Ntilikina. Perhaps no player has been as befuddling as the 20-year-old, French guard who can show so much promise one night, then look lost the next.

When the Knicks took Ntilikina with the eighth overall pick in 2017, under the stewardship of Phil Jackson, some described him as raw. That may have been an understatement as Ntilikina runs hot and cold and is again shooting below 37%. He shows a wariness to attack the basket and can sometimes drift out on the floor when he's struggling, looking hesitant.

Ntilikina has vacillated in and out of the Knicks' rotation this year. In a Christmas day matchup with the Milwaukee Bucks, Ntilikina received his fourth DNP of the month. It has not been the sophomore season, when young players often make leaps, that many had hoped.

But Ntilikina is still a key player to the Knicks for multiple reasons.

Ntilikina possesses the tools to be a perfect player in today's NBA. For all of his struggles shooting the ball, he's shown himself to be a savvy passer at times, and he keeps the ball moving.

Ntilikina is also already a great defender and a borderline elite one in the right matchups. He can guard three positions and use his 7-foot-1 wingspan and quick feet to hound opponents into flat-out giving up the ball.

The Knicks made a significant investment in Ntilikina when they took him with the eighth pick in the draft. The pick that became Ntilikina could have been Donovan Mitchell (13th in the 2017 draft) or Bam Adebayo (14th) or even Kyle Kuzma (28th). When you have one star to build around (Porzingis), the following selections become crucial in forming a core.

Nearly midway through Ntilikina's second season, it's unclear what position he should play. Is he a point guard who sometimes struggles to make plays? A two-guard who struggles to shoot? A slightly undersized small forward?

The Knicks are gearing up for a big offseason in which they'll try to attract a max free agent like Kevin Durant to join a young, up-and-coming core. Figuring out what they have in their second-year lottery pick has become a crucial plot point.

frank ntilikina 2

A potential 'game-changer'

One NBA coach told INSIDER that when everything is working for Ntilikina, he has the potential to be a "game-changer."

In today's NBA, everybody wants "three-and-D" players — guys who can spread the floor and hit open threes, then capably defend at the other end.

What is the evolution of three-and-D players? Players who also add ball-handling and passing.  Those are rarer than you think, and it's what Ntilikina could be.

The defensive end is where Ntilikina shines. His defense will prevent him from becoming a bust.

In less than two years, Ntilikina has made highlights for locking up the likes of James Harden and Kyrie Irving.

The Knicks were borderline elite on defense last year with Ntilikina on the floor. This year, they still improve, but their 110 defensive rating would still only rank 21st in the league. Ntilikina may not be in the model of a lockdown defender, a la Tony Allen, but he's already a plus defender that figures to improve.

Much of the focus on Ntilikina still understandably falls on his offense.

People around the NBA are unsure if Ntilikina is a point guard long-term or at least a starting one. But this season has provided more evidence that Ntilikina functions better with the ball.

Ntilikina has obvious vision. He's not an elite passer, and the best playmakers attack the basket with more gusto than he does. But he has shown he's comfortable setting up others.


Ntilikina has struggled when he's played off the ball next to other guards (the Knicks' guards would not be described as pass-first players, which is how Ntilikina plays). Ntilikina told INSIDER that he believes he's made improvements off the ball. This is something that may be necessary for his long-term future, especially when his playmaking is good but not great.

"[Playing off the ball] was not something I was used to last year," he said. "It's something Coach [Fizdale] put me in the situation this year, and coming into the season, he told me he expected me to be good at both ... I didn't have no problem with it. Whatever is effective for the team, I'll do it. That's my role. I want the team to be successful. I practiced at it, I worked at it, and now I'm making improvements at it. But even if I'm still more comfortable at the point guard position, if Coach called me and wanted me to play the two or the three, I'll do it."

Despite his low percentages, Ntilikina's shot isn't broken. One Eastern Conference scout noted that Ntilikina's form looks fine and that his 81% free throw percentage indicates that he can be a good shooter.

After a string of DNPs in early December, Ntilikina re-entered the Knicks lineup and exploded for 18 points in 20 minutes against the Charlotte Hornets. When his confidence is brimming, his shot looks smooth.


There are tantalizing flashes from Ntilikina, stretches where he combines high-level defense with passable three-point shooting and an ability to set up others. That's a crucial piece to have in the NBA.


Turning those flashes into sustained spells is the challenge.

A confidence problem?

Context is crucial with Ntilikina. He came to the NBA as a 19-year-old from France and is now adjusting to a second system in two years after the person who drafted him and his first coach were fired. Up-and-downs are to be expected.

But it's unclear why his confidence wavers or if the Knicks know the answer to Ntilikina's woes, namely on the offensive end.

For the second straight year, Ntilikina has an effective field goal percentage (eFG%, a measure that weighs two-pointers, three-pointers, and free throws) below 42%. It's arguable that he's been the least efficient scorer in the league this year — only one other player has posted an eFG below 42% on more than 200 attempts (Jonathon Simmons).

For a player scouts think shoots relatively well, his low percentages are puzzling.

The Knicks are reduced to intangibles when discussing Ntilikina's cold slumps.

frank ntilikina 3"The big thing with me is for Frank to sustain his confidence throughout," Fizdale said after a December 17 loss to the Phoenix Suns in which Ntilikina began 3-of-6 from the field in first half, then went 0-of-5 in the second. "For all of his minutes out there, don't let anything bother him if anything goes wrong."

Fizdale has said he can see Ntilikina thinking out on the floor and his goal is to get him to play confidently and worry-free.

"I'm making improvements," Ntilikina told INSIDER. "I feel better on the court, so it's a good sign, and it gives me a motivation to work even harder for the future and become the best player I can be."

Ntilikina has spoken openly about his transition from playing professionally in France, where point guards are less aggressive, to the NBA, where point guards are asked to attack.

"The goal is to make [attacking] become natural and just be aggressive at all times and making improvement with it," Ntilikina said. "I know I still gotta get better with it. I will."

One Knicks source who worked with Ntilikina had only positive reviews. The source described Ntilikina as "receptive," saying he doesn't often need to be told to do something twice. He has a reputation as a good teammate and a hard-worker. He's shy, which bleeds into his game.

Coaches worked with Ntilikina his rookie year to get him stronger and believed his reticence to attacking the basket was partly physical. The same Knicks source believes Ntilikina has made improvements in attacking on offense — whether it's getting to the basket, getting to his spots, and setting up others — even if it's not necessarily reflected in numbers. 

Again, Ntilikina is only 20. Given all of his adjustments and his raw tools, the entire process may take some time.

The piece the Knicks might need

david fizdale frankHow long will the Knicks allow that process to play out? Fizdale has defended Ntilikina, calling him "important" to the team. Knicks president Steve Mills told reporters that developing Ntilikina's game and confidence is a crucial part of the coaching staff's job.

Supporters could argue that Ntilikina's effectiveness with the ball and increased confidence when his shot is falling are reasons to give him more opportunities.

Sure, but what player wouldn't thrive with more minutes, touches, and opportunities? Even with the context in mind, Ntilikina hasn't played that well this season. He has the ninth-worst PER in the NBA at 6.13 (15 is average), and only three players have posted a lower number in ESPN's Real Plus-Minus measure.

With the Knicks using the 2018-19 season like one large tryout, when other players play well, Ntilikina can only get so many opportunities.

NBA sources who spoke to INSIDER were generally optimistic Ntilikina would become a good player; some are intrigued by him now. The question is how quickly he'll get there.

The Knicks need to clear more cap space if they hope to go after a max free agent like Kevin Durant. Ntilikina is owed $4.8 million next season and $6.1 million in 2020-21 if they pick up his option. In a time of rising NBA salaries, that's not a lot, but it's not insignificant, either.

One league source noted that Ntilikina would be a good buy-low option for other teams. If the Knicks feel good about their chances of landing a star player, it's worth asking if they could get a more ready-to-play option in exchange for Ntilikina. The source suggested the Knicks could be willing to move on from Ntilikina by arguing that he was Jackson's draft pick, not the current front office's.

frank ntilikina kevin durantThe same source noted the irony in that thinking. If the Knicks were to land a player like Durant, they would also need a young, cost-controlled player like Ntilikina who can soak up some ball-handling, play defense, and maybe even space the floor. His growth would be important next to stars on a (likely) capped-out team.

In some ways, Ntilikina will be a test of this current Knicks regime. Will they be willing to experience growing pains and stick with his development? We know the Knicks' immediate plan in the rebuild — go after a top free agent. What happens if they strike out on the top free agents is less clear.

While speaking to INSIDER, Ntilikina twice described his development as a "process." If this Knicks rebuild is truly different from previous short-sighted re-tools, they may want to see how a player with the skills the modern NBA demands pans out.

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Amazon’s Digital Day offers big discounts on games, apps, movies, and Kindle books you want for your devices — here are the deals to pay attention to

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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.

Audible

Amazon's third-annual Digital Day is today — Friday, December 28 — and it just kicked off. Until tonight at 11:59 p.m. PST, shoppers can save up to 80% on digital goods to fill their newly gifted devices.

It's Amazon, so there are thousands of deals across multiple categories: entertainment, reading, games & apps, software, and personal development. 

You can find the deals on your own here, or shop some of the best ones directly below. 

Below are some of the best Amazon Digital Day deals you can get today only:

SEE ALSO: The 23 best new products released in 2018

Books, magazines, and graphic novels

Shop all Digital Day reading deals here



Movies and TV

Shop all Digital Day entertainment deals here



Software

Shop all Digital Day software deals here



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The digitization of daily life is making phones and connected devices the preferred payment tools for consumers — here's what that means for stakeholders

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This is a preview of a research report from Business Insider Intelligence. Current subscribers can read the report here.

The digitization of daily life is making phones and connected devices the preferred payment tools for consumers — preferences that are causing digital payment volume to blossom worldwide.

As noncash payment volume accelerates, the power dynamics of the payments industry are shifting further in favor of digital and omnichannel providers, attracting a wide swath of providers to the space and forcing firms to diversify, collaborate, or consolidate in order to capitalize on a growing revenue opportunity.

More and more, consumers want fast and simple payments — that's opening up opportunities for providers. Rising e- and m-commerce, surges in mobile P2P, and increasing willingness among customers in developed countries to try new transaction channels, like mobile in-store payments, voice and chatbot payments, or connected device payments are all increasing transaction touchpoints for providers.

This growing access is helping payments become seamless, in turn allowing firms to boost adoption, build and strengthen relationships, offer more services, and increase usage.

But payment ubiquity and invisibility also comes with challenges. Gains in volume come with increases in per-transaction fee payouts, which is pushing consumer and merchant clients alike to seek out inexpensive solutions — a shift that limits revenue that providers use to fund critical programs and squeezes margins.

Regulatory changes and geopolitical tensions are forcing players to reevaluate their approach to scale. And fraudsters are more aggressively exploiting vulnerabilities, making data breaches feel almost inevitable and pushing providers to improve their defenses and crisis response capabilities alike.

In the latest annual edition of The Payments Ecosystem Report, Business Insider Intelligence unpacks the current digital payments ecosystem, and explores how changes will impact the industry in both the short- and long-term. The report begins by tracing the path of an in-store card payment from processing to settlement to clarify the role of key stakeholders and assess how the landscape has shifted.

It also uses forecasts, case studies, and product developments from the past year to explain how digital transformation is impacting major industry segments and evaluate the pace of change. Finally, it highlights five trends that should shape payments in the year ahead, looking at how regulatory shifts, emerging technologies, and competition could impact the payments ecosystem.

Here are some key takeaways from the report:

  • Behind the scenes, payment processes and stakeholders remain similar. But providers are forced to make payments as frictionless as possible as online shopping surges: E-commerce is poised to exceed $1 trillion — nearly a fifth of total US retail — by 2023.
  • The channels and front-end methods that consumers use to make payments are evolving. Mobile in-store payments are huge in developing markets, but approaching an inflection point in developed regions where adoption has been laggy. And the ubiquity of mobile P2P services like Venmo and Square Cash will propel digital P2P to $574 billion by 2023.
  • The competitive landscape will shift as companies pursue joint ventures to grow abroad in response to geopolitical tensions, or consolidate to achieve rapid scale amid digitization.
  • Fees, bans, steering, or regulation could impact the way consumers pay, pushing them toward emerging methods that bypass card rails, and limit key revenue sources that providers use to fund rewards and marketing initiatives.
  • Tokenization will continue to mainstream as a key way providers are preventing and responding to the omnipresent data breach threat.

The companies mentioned in the report are: CCEL, Adyen, Affirm, Afterpay, Amazon, American Express, Ant Financial, Apple, AribaPay, Authorize.Net, Bank of America, Barclays, Beem It, Billtrust, Braintree, Capital One, Cardtronics, Chase Paymentech, Citi, Discover, First Data, Flywire, Fraedom, Gemalto, GM, Google, Green Dot, Huifu, Hyundai, Ingenico, Jaguar, JPMorgan Chase, Klarna, Kroger, LianLian, Lydia, Macy’s, Mastercard, MICROS, MoneyGram, Monzo, NCR, Netflix, P97, PayPal, Paytm, Poynt, QuickBooks, Sainsbury’s, Samsung, Santander, Shell, Square, Starbucks, Stripe, Synchrony Financial, Target, TransferWise, TSYS, UnionPay, Venmo, Verifone, Visa, Vocalink, Walmart, WeChat/Tencent, Weebly, Wells Fargo, Western Union, Worldpay, WorldRemit, Xevo, Zelle, Zesty, and ZipRecruiter, among others

In full, the report:

  • Explains the factors contributing to a swell in global noncash payments
  • Examines shifts in the roles of major industry stakeholders, including issuers, card networks, acquirer-processors, POS terminal vendors, and gateways
  • Presents forecasts and highlights major trends and industry events driving digital payments growth
  • Identifies five trends that will shape the payments ecosystem in the year ahead

SEE ALSO: These are the four transformations payments providers must undergo to survive digitization

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'It's insulting': Players banned for cheating in 'Fallout 76' are being told to write an essay to reclaim their account

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Fallout 76 Power Helmet

  • Bethesda Studios, the company behind "Fallout 76," recently banned a wave of players from the game for cheating with third-party modifications.
  • Banned players received an email from the company saying that to appeal their ban, they would need to write an essay explaining why "cheat software" is detrimental to online games.
  • The email doesn't specify exactly what software leads to a ban, and affected players are pushing back against the assignment.
  • "Fallout 76" has been steeped in controversy since its launch in November, with players reporting game-halting bugs and customer service issues.

The creators of "Fallout 76" recently banned a group of players suspected of cheating and closed their accounts without warning. In an email detailing the ban, Bethesda Studios told the affected players that they can appeal their account closure by writing "an essay on ‘Why the use of third party cheat software is detrimental to an online game community.'"

Members of the "Fallout 76" community reacted to the wave of bans on Reddit and YouTube. Players were initially unsure exactly what software led to the ban, but reports from several banned players specified a handful of programs including Cheat Engine and Nexus Mod Manager. Mod software can be used for a range of effects, like making a player unkillable, or duplicating rare items and money.

However, some of those impacted by the bans claimed they only used third-party modifications to improve the game's graphics or fix persistent issues, changes that don't alter how the game plays or impact other players. With the email failing to identify how the cheat software was used, players on the r/Fallout subreddit felt that Bethesda's essay request was both condescending and presumptuous in assuming that all mods have a negative impact.

"Its insulting. We are adults, or most of us; and the rest are (probably) mid-teens or older. Frankly this sort of thing is unprofessional; we aren't some tweens in [in-school suspension] for tagging a room; we are paying costumers that used 3rd party modifications to fix their broken product," a user named  Vaperius wrote.

Fallout 76

Since its release in November, "Fallout 76" has seen its fair share of criticism for game-halting glitches and generally hollow gameplay. At one point, players threatened a class-action lawsuit against Bethesda for refusing to issue refunds for the game and failing to deliver a canvas duffle bag as promised for the deluxe version of the game. While Bethesda ultimately reneged on its unpopular practices, further issues temporarily exposed the personal information of the players entered into the company's customer service portal.


Read more:The makers of 'Fallout 76' have been caught in a cyclone of scandals since the game's release — here's why fans are outraged
The problems with the game's launch have led to a contentious relationship between Bethesda and the "Fallout 76" community. Now, many players suspect the bans targeting cheaters might also be pushing players who just want to play the game their own way.

"Most of us are adults with full time jobs and they want us to write apology essays like we’re third grade students who spoke back to their teacher out of turn? Jeeeze man. If I was one of these modders I’d write them an essay with tips how to fix their broken ass game and maybe suggest implementing them prior to release so people don’t have to mod to get the experience that they thought they paid for," user bbigs11 wrote on r/Fallout.

Past Bethesda games like "Fallout 4" and "Skyrim" were famous for their modding communities, but those games were also single-player. With "Fallout 76" incorporating always-online multiplayer, allowing game-altering mods creates an inherently imbalanced playing field. At the same time, Bethesda is charging players for add-ons that will strengthen their character, so preventing players from using artificial power-ups also protects their business model.

With its emphasis on online multiplayer, the legacy of "Fallout 76" will rest in the strength of its community. While Bethesda's proactive effort to stop cheaters may keep the game more fair, it could also be ruining the fun for the most hardcore "Fallout" players.

SEE ALSO: A dedicated group of 'Fallout 76' players crashed the game's server with a trio of nuclear explosions

SEE ALSO: The maker of 'Fortnite' is suing two YouTubers for trolling with cheats and sharing hacks

Join the conversation about this story »

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Here are all the ongoing investigations and lawsuits involving Trump and his businesses

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comey mueller trump

  • Nearly every corner of President Donald Trump's political, business, and charitable activities are the subject of some form of investigation as 2018 comes to a close. 
  • The probes that have received the most media coverage are special counsel Robert Mueller's investigation into Russian interference in the 2016 election and the campaign finance violations to which Michael Cohen pleaded guilty in New York.
  • Trump's charity also faces civil action from New York state.
  • And the president faces a lawsuit accusing him of illegally profiting off his presidency. 
  • Here are all the investigations in which Trump faces criminal and civil liability. 

As of now, President Donald Trump faces over a dozen ongoing investigations into his 2016 campaign, his conduct as president, and other criminal and civil offenses relating to his alleged campaign finance violations, business practices, and his charity. 

The investigation Trump publicly disparages most often as a "rigged witch hunt" and a "disgrace" is special counsel Robert Mueller's probe into Russian interference in the 2016 election and whether the Trump campaign collaborated with Russia to tilt the race in Trump's favor. 

But the one that poses the most immediate danger to Trump himself is the campaign finance probe in the Southern District of New York. In that case, federal prosecutors secured a guilty plea from his former personal lawyer Michael Cohen for paying for the silence of women who alleged affairs with Trump, a crime to which prosecutors listed Trump as an unindicted co-conspirator. 

Here are all the areas currently subjected to ongoing government investigations and state-led lawsuits involving Trump: 

The Trump campaign's knowledge of and possible involvement in Russia's efforts to interfere in the 2016 election.

  • In June 2016, Donald Trump Jr., Jared Kushner, and Paul Manafort convened at Trump Tower to meet with Natalia Veselnitskaya, a Kremlin-linked Russian lobbyist.
    • Trump Jr. initially said the meeting had nothing to do with the Trump campaign, asserting that Veselnitskaya instead came to lobby against US sanctions on high-level Russian officials. 
    • But he amended his statement after it was reported that he agreed to the meeting after he was offered "dirt" on Clinton by the publicist of Emin Agalarov, the son of a Russian oligarch with ties to Putin. The Washington Post later reported that Trump "dictated" the initially misleading statement his son put out after he was contacted about the story.
    • Both Trump and Donald Jr. later admitted publicly the meeting was part of an effort to benefit the Trump campaign.
    •  It is illegal under US campaign finance law for campaigns to accept material aid from foreign nationals. Legal experts say that even if Veselnitskaya did not provide the promised "dirt," the laws are written in such a manner that even soliciting or inviting such material is a federal crime. 
  • Mueller's team is also examining the extent to which people in the Trump campaign were aware of, and collaborated in, WikiLeaks' dissemination of emails hacked from the DNC and Clinton campaign to interfere in the election. Mueller indicted 12 Russian security officers over the hacks in July.


The Trump Organization's efforts to build a Trump Tower in Moscow during the 2016 election, referred to in court filings as the "Moscow Project."

  • The Trump Organization reportedly offered Russian President Vladimir Putin a discounted $50 million penthouse in the proposed Trump Tower Moscow. This offer could violate the Foreign Corrupt Practices Act, which outlaws US officials from giving foreign governments gifts of monetary value in exchange for something they want.
    • Businessman Felix Sater told Buzzfeed News that offering Putin a penthouse in the tower was a business tactic intended to raise the property values of the surrounding apartments and make them more attractive prospects for Russian oligarchs.
    • Experts say, however, that the deal would only violate the FCPA that if the offer for a discounted penthouse was formally lodged to Russian officials in writing, and if it was made in exchange for something like a tax break or a zoning permit, not just as a marketing ploy to raise the property values. 
  • Trump could also be implicated in his lawyer Michael Cohen's guilty plea to lying to Congress about the timeframe during the 2016 election in which the Trump Organization pursued the Trump Tower Moscow deal.
    • Special counsel Mueller's sentencing memo for Cohen said that Cohen provided cooperation regarding "the circumstances of preparing his false testimony" and his contacts with White House officials, which experts say could describe a coordinated plot to direct Cohen to make false statements to Congress. 
    • Cohen's lawyer Lanny Davis also told Bloomberg that"Mr. Trump and the White House knew that Michael Cohen would be testifying falsely to Congress and did not tell him not to."


The probe into Trump's alleged obstruction of justice and witness tampering as president.

  • Mueller is also investigating whether Trump committed obstruction of justice with his May 2017 firing of FBI Director James Comey, which came after Comey refused to drop the FBI's probe into Michael Flynn's false statements to FBI agents about his contacts with Russian ambassador Sergei Kislyak.
    • While the White House claimed Comey was fired over his handling of the probe into Hillary Clinton's emails, Trump later said on national television to NBC host Lester Holt that "this Russia thing" was a factor in his decision.
  • In July, the New York Times reported that Mueller is also examining whether Trump tampered with witnesses in the Mueller probe with his private interactions and public tweets slamming former Attorney General Jeff Sessions for not reigning in the Mueller probe, and not probing Trump's political allies.
    • Some of the events under scrutiny for possible witness tampering include Trump threatening to fire Deputy AG Rod Rosenstein, suggesting Comey himself should be investigated, and attempting to push other senior officials like then-CIA Director Mike Pompeo into pressuring Comey to shut down the FBI's probes of Flynn and of Trump himself.
  • The Times later reported in August that former White House counsel Don McGahn — who was present for many of the events Mueller is examining as part of the obstruction probe — had voluntarily provided 30 hours of testimony to Mueller.
    • Some of the other crucial events which McGahn witnessed include the Comey firing, Trump's attempts to force Sessions to oversee the Russia probe, Trump drafting a letter describing his reasons for firing Comey, and Trump's reported attempts to fire Mueller himself.


See the rest of the story at Business Insider
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