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We pitted the BMW X1 against the Buick Encore in a battle of the small SUVs (GM)

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BMW X1

Crossover SUVs are the hottest segment in the car business right now, and an especially appealing subset of the segment are small utility vehicles. 

These are the new entry points to brands; it used to be that small sedans were the starter cars.

Luxury and near-luxury brands are both jumping in. BMW has the X1 as its entry level crossover, and Buick has the Encore. This isn't going to be an apples-to-apples comparison, by the way.

The Bimmer is a true luxury brand, while Buick resides below Cadillac in the General Motors hierarchy.

But the two vehicles, separated by price — more than $10,000, in fact — can be usefully compared. Both provide good utility, have about the same amount of passenger and cargo space, come equipped with a nice lineup of tech features, and can even be compared in terms of how they drive.

The biggest difference is really one of impressions and expectations. The BMW is supposed to be the small-crossover version of the "ultimate driving machine."Buick Encore

The Buick, on the other hand, needs to bring younger buyers into the brand and not deviate too much from what makes a Buick a Buick: quietness, composure, and low-key style.

So what we ultimately have here is a pair of vehicles equally burdened by their respective automotive DNA. The BMW, for example, needs to satisfy the person behind the wheel. The Buick needs to soothe the driver. The BMW has to carry a certain amount of design weight — this crossover needs to fit into the BMW family, which includes the X3 and the X5. 

The Buick has to exude some of the Tri-Shield's unforced elegance and country-club vibe without coming off as stuffy. Buick has done yeoman work in the last decade changing the idea that its cars are strictly for the retirement community demographic. 

So the two crossovers are easier to compare than it appears.

And there might even be a surprise or two about the one we liked better.

SEE ALSO: The BMW X1 is controversial — but it might be the perfect new entry-level BMW

Here's the X1. Specifically, the 2016 X1 xDrive28i, priced at about $44,000 and nicely equipped. I tested and reviewed the crossover late last year. Base price is roughly $10,000 less.

Read the review here.



And here's the 2017 Encore. My tester was the Sport Touring trim level, at it tipped the costs scales at just over $31,000, with several thousand bucks worth of options. Base price? $27,000.



You have to give it to the Bimmer when it comes to styling: in "Alpine White" it's very sharp, and it lacks for none of the usual BMW design cues, including the famous kidney grille.



See the rest of the story at Business Insider

YouTube's biggest star is in hot water over anti-Semitic 'jokes' — here's what's going on (GOOG, DIS)

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To call Felix Kjellberg "internet famous" is to sell him short. The name may not be familiar to you, but perhaps his pseudonym is: "Pewdiepie."

Felix Kjellberg (PewDiePie)

He's a handsome 27-year-old Swedish man who plays video games, records video blogs, and makes millions of dollars doing so (about $15 million last year, according to Forbes).

That's also selling him short — Kjellberg makes his job look easy, which is almost certainly a testament to how hard he actually works. He publishes at least one, often several, videos each day. That's before you start talking about the show he made for YouTube, or the video game about him, or his talent agency, or his book.

His YouTube channel just passed 53 million subscribers. His videos casually reach tens of millions of people.

PewDiePie

He's far and away the most popular YouTuber, by tens of millions of subscribers, which is why it was such a big deal when the Wall Street Journal published a piece this week collecting several instances of Kjellberg using anti-Semitic imagery and phrases in videos he made. Disney, which had a business deal with Kjellberg, immediately dropped him. Google, which owns YouTube, also canned plans for a show starring Kjellberg. And on Thursday, Kjellberg fired back in — what else? — a YouTube video directed at the Wall Street Journal

There's a lot to unpack here. Let's dive in.

SEE ALSO: Disney has dropped PewDiePie, the world's highest-earning YouTube star, over anti-Semitic videos

First, some background on Felix Kjellberg (a.k.a. "Pewdiepie"): He's a 27-year-old Swedish man who dominates YouTube. His channel has over 53 million subscribers — over 20 million more than the second-most popular channel.



He rose to prominence by doing "Let's Play" videos — playing video games while commentating, and often over-exaggerating his reactions:



But lately he's transitioned into a prolific critic as well. The target of his criticism? The very hand that feeds him: YouTube.



See the rest of the story at Business Insider

RANKED: These will be the 32 most powerful economies in the world by 2050

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china fire dragon

By 2050, the world is likely to have changed drastically from what we know now, and the planet's economic and financial landscape will be no exception.

A report from professional services giant PwC looks at which economies around the world will be the biggest and most powerful in 33 years time. 

The report, titled "The long view: how will the global economic order change by 2050?"ranked 32 countries by their projected global gross domestic product by purchasing power parity.

PPP is used by macroeconomists to determine the economic productivity and standards of living among countries across a certain time period.

With the exception of the USA, many of the world's current powerhouse economies like Japan and Germany will have slipped down global rankings, replaced by countries such as India and Indonesia, which are currently emerging markets.

Check out the ranking below (All numbers cited in the slides are in US dollars and at constant values (for reference, the US's current PPP is $18.562 trillion):

32. Netherlands — $1.496 trillion.



31. Colombia — $2.074 trillion.



30. Poland — $2.103 trillion.



See the rest of the story at Business Insider

The 19 most expensive cities in the world to rent a property

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new york city skyline

The cost of renting a property in some of the biggest cities in the world has been laid bare in the 2017 Rental Affordability Index.

The report from Nested, a UK startup that helps people sell their house, looks at the cost of renting — per square foot — in 72 cities worldwide, as well as what salary is required to foot the rental bill.

Nested works out these costs for both a single individual and a family of four.

From Sydney to Singapore, scroll on to see the 19 most expensive cities in the world to rent a property.

19. Melbourne, Australia

Rent per square foot:£1.69

Monthly rent for a single person:£709.02
Annual income needed for a single person:£29,338.80

Monthly rent for a family:£1,345.32
Annual income needed for a family:£55,668.36



18. Paris, France

Rent per square foot:£1.76

Monthly rent for a single person:£738.27
Annual income needed for a single person:£30,549.12

Monthly rent for a family:£1,400.82
Annual income needed for a family:£57,964.92



17. Amsterdam, Netherlands

Rent per square foot:£1.82

Monthly rent for a single person:£762.06
Annual income needed for a single person:£31,533.48

Monthly rent for a family:£1,445.96
Annual income needed for a family:£59,832.84



See the rest of the story at Business Insider

Some of the scientists aiming to 'bring back' the woolly mammoth originally wanted to do it using 40,000-year-old cells

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4_woolly mammoth

Picture this: A beast with most of the features of a woolly mammoth (think long, shaggy hair, plus special adaptations to sub-zero temperatures, like subcutaneous fat and specially-adapted blood) plus a few elephant-like traits (like a slightly longer body).

Nope, it's not your Pottermore Patronus.

It's the animal that a team of Harvard scientists hopes to create (or "bring back" as some advocates of the controversial practice known as de-extinction might say). And they want to do it in the next few years by combining the DNA of an elephant and a woolly mammoth using the gene-editing technology Crispr.

The team introduced their idea for the "mammophant," better known as "an elephant with a number of mammoth traits," at the American Association for the Advancement of Science annual meeting in Boston this week. They said it could be a reality by 2019.

Scientists have been talking about resurrecting the woolly mammoth, which went extinct thousands of years ago, for years, but the 2013 discovery of an astonishingly well-preserved mammoth carcass — complete with ancient blood — jumpstarted much of the excitement about the idea.

Here's a look into how they aimed to create a "mammophant" in 2014, before Crispr was a thing.

SEE ALSO: Scientists who want to bring back the giant woolly mammoth say they could be roaming around in 10 years

When a group of scientists heard rumors that the remains of a long-extinct mammal had been unearthed from the frozen ground on an island in northern Siberia, they rushed to the scene to see for themselves.

Source: Smithsonian's "How To Clone A Woolly Mammoth."



Yet as they arrived, the only evidence scientists found of an ancient beast lurking somewhere beneath the ground were parts of two giant tusks poking out of the icy Earth.

Source: Smithsonian's "How To Clone A Woolly Mammoth."



Over the next three days, as the ice surrounding the carcass slowly began to thaw, the scientists realized what an exciting find they had come across. The surprisingly well-preserved bones, muscles, teeth, and even some blood told the story of a woolly mammoth, a gargantuan beast that roamed the frosty tundra some 40,000 years ago.

Source: Smithsonian's "How To Clone A Woolly Mammoth."



See the rest of the story at Business Insider

See inside the gorgeous space a four-person VC firm uses to both live and work in San Francisco

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Main room

The jet-setting investors of Arena Ventures have mastered the art of business travel. Though Los Angeles is home for this four-person team, weekly trips to San Francisco mean a lot of time spent away.

Expensive hotels and room service quickly lost their luster and, with sky-high rents in San Francisco, a lease on a four-bedroom apartment wasn't any more appealing.

So Arena Ventures found a one-bedroom apartment and enlisted the help of one of their own investments, Laurel & Wolf, a Los Angeles-based interior design startup that pairs clients with designers to refresh specific rooms for $149 each. For $249 a room, you can pick from three different designers whose concepts you can preview before selecting.

Laurel & Wolf designer Erica Johnston helped the team transform their one-bedroom apartment into a two-bedroom space where the team could both live and work when they're in town. Let's take a look inside.

SEE ALSO: One of America's hottest new chefs had his office transformed to be more productive — take a look inside

The main priority was to create a space that would house one or all of the founders at the same time. "And as a seed fund, we also needed an affordable solution to hotel rooms that could be used for sleeping, hosting founders, and meeting with our companies," founder and managing partner Paige Craig said to Laurel & Wolf.



Laurel & Wolf designer Erica Johnson split up this tiny, open-concept floor plan into three sections. It was an especially big challenge given the apartment has only 600 square feet of space.



The central living room creates a functional place for both meetings and relaxation.

 

 



See the rest of the story at Business Insider

An 'Avatar'-themed park is coming to Disney World in May — here's how it will look

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avatar land pandora disney world

Disney CEO Bob Iger recently announced that the long-awaited "Avatar"-themed park, Pandora, will open at Disney World in Orlando, Florida on May 27, 2017.

"Pandora: The World of Avatar," which will be in Disney’s Animal Kingdom, will take fans to the home of the Na’vi world introduced in James Cameron’s 2009 movie "Avatar."

In December 2016, Disney released a new video showing off more of the park’s development. Since then, a few more images and videos teasing the park have been released. A website for the park has also launched.

We've rounded up everything we know about the upcoming park. Keep reading to take a peek at how Pandora will look when it opens in May.

Construction first began on the Avatar-inspired land at Disney World in 2014.

Source: Disney Parks



It's being designed by Disney Imagineers and director James Cameron's Lightstorm Entertainment.



In February 2015, Disney Parks showed off the first concept art for the park which will transform Disney's Animal Kingdom into the world of Pandora.



See the rest of the story at Business Insider

13 hotels that totally embody hygge

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HotelThe INSIDER Summary:

• Hygge is a Danish concept that roughly translates to the word coziness.
• It’s about enjoying life’s little pleasures.
• Hotels from France to Colorado are embracing the cozy craze. 


Do you like snuggling under a pile of cashmere quilts on a cold day? How about sipping a steaming cup of cocoa or cider when the temperatures tip below zero? Does curling up with a good book alongside a crackling fireplace on a snowy night sound like your idea of winter fun? If you answered yes to any (or all) of the above, then you’ll certainly like hygge. You’ve most likely heard of this trend by now, but in case you missed it, here's what you need to know: hygge (prounounced hoo-ga) is a Danish concept that roughly translates to the word coziness. But it’s much more than that—it’s about enjoying life’s little pleasures, too. And given that Denmark is consistently named the happiest country on earth, it didn't take much convincing for us to jump on board. So now that winter is well underway, we searched for some hygge-focused properties that are embracing the cozy craze. Here are some of our favorites.

1. The Farmhouse - Mas de la Coutettaz, Morzine, France

Every inch of this 1771 farmhouse-turned-inn oozes charm, character, and warmth. The hotel's restaurant consists of one communal table lined with candelabras and oil lamps, while the bar, which features antique leather chairs, is a perfect place to relax next to an open-hearth fireplace, cocktail in hand. All rooms have a cozy and rustic chalet ambience, but we recommend booking The Grange, which features under floor heating, sumptuous carpeting, and a balcony overlooking stunning mountain views. Guests here are predominantly couples, though families and small groups can also get in on the hygge action.



2. Spring Creek Ranch in Jackson Hole, Wyoming

Surrounded by gorgeous views of the Tetons, this secluded mountain retreat has hygge written all over it. Grab a cup of coffee, slip into a terry robe, and curl up alongside the wood-burning fireplace, which is available in each room. If your ideal winter vacation includes one-part adventure and one-part cozying up, opt for one of the hotel’s romantic horse-drawn carriage rides or snow coach tours that venture into the stunning Yellowstone National Park. Then, disconnect from the outside world during a massage offered at the Wilderness Adventure Spa. Trust us, it’ll live up the hygge hype. 



3. The Lodge at Sea Island in Saint Simons Island, Georgia

You need not be in a cold-weather destination to indulge in a little hygge. Located on the site of a former cotton plantation—and accessed via an avenue of historic antebellum oaks dripping with Spanish moss—this hotel feels less like Georgia and more like Scotland, where golf, shooting, and fine Scotch whiskey are king. First, tuck into a steak and glass of red at the hotel’s steakhouse, Colt & Alison. At sunset, snag one of the Adirondack chairs on the lawn and listen to the resident bagpiper play. After dark, the fire pits come to life, and guests are invited to make s’mores while stargazing. To top it off, your personal butler will deliver milk and freshly baked cookies at bedtime.



See the rest of the story at Business Insider

Here’s everything in the $100,000+ swag bag given to Oscar nominees

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emma stone oscar bag

The 89th annual Academy Awards will take place Sunday, February 26.

Before Hollywood's biggest night, the 25 top nominees and host — from Emma Stone and Casey Affleck to Jimmy Kimmel — will have the opportunity to receive a pretty sweet swag bag.

The "Everyone Wins" nominee gift bag is not affiliated with the Academy Awards, but entertainment-marketing company Distinctive Assets has independently provided Oscar nominees with gifts ahead of the big night for the past 15 years. 

Distinctive Assets founder Lash Fary told INSIDER this year's 26 bags will include over $100,000 worth of goodies that will be sent out to recipients in the weeks leading to the Academy Awards. This year's items range from a Hawaiian getaway and three-day mansion stay in Northern California to a luxury handbag, maple syrup, and customized Crayola crayons.

Though this year's bag has up to five trips for celebrities to redeem, Fary told INSIDER that about 10% of those who receive gift bags redeem the trips.

Many of the items included were also in this year's Grammy swag bag. Keep reading to see what the Oscar nominees will receive.

SEE ALSO: Stephen Colbert obliterates Trump's wild press conference: 'We elected a mess'

The most expensive item will be a private three-day mansion stay at the Lost Coast Ranch in Northern California.

Fary says guests will be able to have up to 10 friends come and stay with them for the weekend in the 18-room mansion. You can check it out here.



The least expensive item will be a $4.99 lip balm from ChapStick.

ChapStick Total Hydration Moisture + Tint comes in three shades. It's the brand's first tinted lip balm. You can check them out here



There's a five-night and six-day stay at Koloa Landing Resort at Poipu in Hawaii.

The Hawaiian resort is on 25 acres of the island of Kauai and has a spa, two pools, and a wall specifically to lounge back and watch the sunset. You can check it out here.



See the rest of the story at Business Insider

Everything we know about the next 'Avatar' movie

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 avatar

The INSIDER Summary

• Fans have been anticipating for an "Avatar" sequel.
• "Avatar" is the highest grossing movie of all-time. 

• Director James Cameron and the original cast will return for  "Avatar 2."
• "Avatar 2" will be the first of four sequels.
• Production is set to begin this year. 


James Cameron hasn't directed a lot of movies over his long, storied and very successful career, but he has made a big impact almost every time he has stepped behind the camera over the years. It is arguable, and inarguable by certain metrics, that he made his biggest impact with 2009's 'Avatar.' The movie was a massive hit in every single way. That being the case, people have wondered why we haven't had a sequel yet? There are reasons for that, but rest assured, 'Avatar 2' is on the way.

Fox has wanted a sequel to James Cameron's 'Avatar' pretty much since the movie hit theaters, and who could blame them? Avatar grossed an insane, unprecedented $2.78 billion at the worldwide box office, which is truly staggering. Even after movies like 'Jurassic World,' 'Star Wars: The Force Awakens' and a ridiculous amount of very popular superhero movies, 'Avatar' remains the highest grossing movie of all-time by a very wide margin. The difference is, most studios would have put pressure to get a sequel to a movie like that out much more quickly, but that hasn't been the case with 'Avatar.'

Interestingly enough, James Cameron hasn't directed any other movies in the time since, so it isn't as though he is focusing his efforts on another directorial project. Sure, he has produced things here or there, but nothing so demanding to prevent him from directing 'Avatar 2.' He has actually been hard at work ever since 'Avatar' came out on his plans for the franchise and that is what has taken so long. He honestly didn't even know how vast and expansive his plans for 'Avatar 2' and beyond were until he started digging in, which is why this process has been delayed for so long.

There have been many false starts and stops in the years since 'Avatar' first hit theaters in terms of when 'Avatar 2' is actually going to get underway. Fans of the first movie have been teased again and again with false reports of shooting happening or things of the like, often from James Cameron himself. Last year, though, he and Fox made it clear that their plans for the 'Avatar' franchise are finally just about ready and the director is going to pour all of his efforts into 'Avatar 2.'

Unless there is a really big setback of some kind, it really looks like 'Avatar 2' will be in production before we know it for real this time. Fans can rest easy and get excited about returning to the world that James Cameron created nearly a decade ago. So, with the shooting on the highly-anticipated sequel supposedly starting soon, here is what we know about 'Avatar 2.'

James Cameron is directing.

It would be hard to make a case for making 'Avatar 2' without James Cameron, even though Fox would probably want a sequel to the highest-grossing movie ever made no matter what. Luckily, that won't be a concern because the Hollywood legend seems hell-bent on spending a good chunk of his remaining years on this Earth making 'Avatar' movies and that will start with 'Avatar 2.' In most circumstances, a studio would not give a director nearly a decade to prepare a sequel to such a successful movie, but with James Cameron comes box office success. So they are giving him time to work.

The director currently has the two highest-grossing movies ever made, with 'Titanic' coming in behind 'Avatar.' James Cameron has seemingly cracked the code on mass appeal and even though he has only directed eight movies, those eight movies really speak to that. From 'Aliens' to 'Terminator 2' and yes, to 'Avatar,' he has proved that he knows what audiences want. So, if you were a fan of the first 'Avatar,' great, but even if you weren't, having him fully involved in 'Avatar 2' is arguably the single largest reason any movie fan should really be looking forward to this movie.



Audiences will return to Pandora.

Whether you loved 'Avatar' or feel indifferent about it, there is no denying that James Cameron was able to create a fascinating and beautifully crafted cinematic world in Pandora. In a lot of ways, the planet was itself a character in the movie, so it makes perfect sense that we will be returning to Pandora in 'Avatar 2.' In the first movie, we were introduced to the planet and sort of learned the rules and got used to how things work there. In 'Avatar 2,' we are going to explore the planet further, which is one of the few things that we do know for sure about the upcoming sequel. For fans of the franchise, getting to take a trip back to Pandora is probably worth the price of admission, so 'Avatar 2' is probably already going to be worth checking out no matter what else happens, because we should be getting our best look at the Na'vi home planet yet.



Avatar 2 will go underwater.

Never let it be said that James Cameron doesn't have an imagination. One of the things that James Cameron is pushing for will be underwater performance capture, since a chunk of 'Avatar 2' will reportedly explore the oceanic part of Pandora. Performance capture has been an ever evolving, increasingly important aspect of big Hollywood movies, but doing full performance capture underwater for 'Avatar 2' will be something truly groundbreaking.

James Cameron's long time producing partner Jon Landau spoke quite some time ago about the digital artists who worked on 'Avatar' testing underwater performance capture technology. That was nearly four years ago, so surely they have nailed down what they need to in order to make it work for 'Avatar 2.' Jon Landau also explained that yes, they could animate water around the actors, but having them capture their performance while actually being underwater will be a more authentic simulation of the experience, which makes total sense. Logical as it may be, it sounds very expensive, but probably very cool for the viewer when 'Avatar 2' finally hits theaters.

 



See the rest of the story at Business Insider

32 high-paying jobs for people who don't like stress

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laptop couch relaxing

Think there's no such thing as a high-paying, low-stress job? Think again. It turns out there are plenty.

To find jobs with that perfect combination of high pay and low stress, we combed through the Occupational Information Network (O*NET), a US Department of Labor database that compiles detailed information on hundreds of jobs and looked at salary data from the US Bureau of Labor Statistics website

O*NET rates the "stress tolerance" for each job on a scale from zero to 100, where a lower rating signals less stress. (Note: We are not saying these jobs are "stress-free"– they just tend to rate lower than other professions.)

To rate each job, O*NET looks at how frequently workers must accept criticism and deal effectively with high stress at work.

Here are 32 jobs that pay more than $70,000 a year, on average, and earned a stress tolerance rating of 71 or lower, in order from highest to lowest stress score.

SEE ALSO: The 25 best jobs in America right now

DON'T MISS: The 20 best US cities for finding a job in 2017

Chemical engineer

Stress tolerance: 71

Average annual salary: $103,960

What they do: Design chemical plant equipment and devise processes for manufacturing chemicals and products like gasoline, synthetic rubber, plastics, detergents, cement, paper, and pulp, by applying principles and technology of chemistry, physics, and engineering.

Education requirements: Bachelor's degree.



Civil engineer

Stress tolerance: 71

Average annual salary: $87,940

What they do: Perform engineering duties in planning, designing, and overseeing construction and maintenance of building structures, and facilities, such as roads, railroads, airports, bridges, harbors, channels, dams, irrigation projects, pipelines, power plants, and water and sewage systems.

Education requirements: Bachelor's degree.



Dental hygienist

Stress tolerance: 71

Average annual salary: $72,720

What they do: Clean teeth and examine oral areas, head, and neck for signs of oral disease. May educate patients on oral hygiene, take and develop x rays, or apply fluoride or sealants.

Education requirements: Associate's degree



See the rest of the story at Business Insider

This photographer created a magical 'Beauty and the Beast' photoshoot for his daughter

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Beauty and the Beast father daughter photo Josh Rossi Ballroom

Josh Rossi is a photographer, father, and enthusiastic "Beauty and the Beast" fan. He loves recreating iconic pop settings with his 3-year-old daughter Nellee (like this amazing Wonder Woman series), so it was only fitting for Belle and the Beast to be his next subject matter.

"I have loved ['Beauty and the Beast'] ever since I was a kid," Rossi said in an email to INSIDER. "When the live action movie trailer came out, Nellee loved it and so we started showing her the cartoon version. I wanted to give her something special for Valentine's that showed my love for her."

Keep reading for a look at Rossi's recreation of "Beauty and the Beast" he did as a gift for his daughter.

Rossi took photos of Nellee inside a studio, and then used Photoshop to create the "Beauty and the Beast" inspired backdrops.



He traveled to Florence, Milan, Munich, Switzerland and Germany in order to gather the photos needed.



Here's the result of that previous castle shot:



See the rest of the story at Business Insider

The Brazilian billionaire who bought Heinz and Burger King is trying to strike a ~$250 billion deal

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Jorge Lemann

Jorge Lemann is behind some of America's most iconic consumer brands.

The Brazilian billionaire's investment company, 3G Capital, has invested in or backed takeovers of Kraft, Heinz, Burger King, Tim Hortons, Anheuser Busch and SAB Miller.

Now, Kraft Heinz — which counts Lemann and Warren Buffett among its top shareholders — is pushing for a deal for Unilever

Unilever has rejected the approach, but Kraft said in a statement that is is looking "forward to working to reach agreement on the terms of a transaction." Unilever said in a statement is does not see a basis for any further discussions.

A deal would put a huge chunk of the world's best known brands in the hands of one company. 

Combinations of large consumer companies are Lemann's signature: 3G created the world's fifth-largest food company by investing $10 billion into a merger of Kraft and Heinz, and engineered a fast-food giant after buying Burger King in 2010 for $3.3 billion and putting it together with Tim Hortons for another $11.3 billion.

"I think above all you must always be building something," he says in this video interview with Falconi Consultants posted on YouTube. "We always want to arrive somewhere, to improve, and we are always trying to get there by making things better around us ... these are the things that guide me."

The Harvard graduate has gone from journalist to national tennis champion to banker and now billionaire investor with a net worth of over $29 billion, according to Forbes. Here's his story:

This is an updated version of an article published earlier this month about Jorge Lemann.

SEE ALSO: See the 33 richest hedge fund managers in America

Lemann was born in Rio de Janeiro in 1939. His father was a Swiss businessman who immigrated to Brazil in the 1920s. His family had been Swiss cheese merchants for over 300 years.

His mother was from a family of cocoa merchants in Bahia, who were more ambitious, Lemann said during the interview with Falconi. That was where he got his drive.

 



At 17, he left Brazil to attend Harvard, earning his bachelor's degree in economics in 1961. At first, he didn't like it there and didn't do well — he loved the beaches of Brazil. But his mother stopped him from leaving Harvard to become a surfer or a tennis player.

 Now he has a great relationship with Harvard, setting up scholarships for Brazilian students.



Harvard even recommended that he take a yearlong break from school because he wasn't mature enough. Instead, Lemann finished school in three years by interviewing students, professors, and looking at old tests before choosing a class. He was 20 when he graduated.

Though he now regrets not taking more advantage of the faculty at Harvard, for example speaking with Henry Kissinger or Paul Samuelson, according to a speech Lemann made to his foundation, Estudar, translated by Forbes.



See the rest of the story at Business Insider

SNAP'S ROADSHOW: Snapchat executives explain why investors should buy into their $22 billion IPO (SNAP)

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Screen Shot 2017 02 17 at 10.54.58 AM

Snap Inc. has released its full IPO roadshow.

In a 35-minute video, Snap executives break down their company philosophy, how the Snapchat app works, and their ad products. The video is narrated by Snap CEO Evan Spiegel, CTO Bobby Murphy, CSO Imran Khan, and CFO Drew Vollero.

Snap is the most highly-anticipated tech IPO in years, and it's planning to go public on March 1 at a valuation of $22 billion.

We watched Snap's full roadshow video and have collected all the highlights for you. Here's the abridged version:

SEE ALSO: Snap is seeking a valuation of $22 billion — here's how it plans to pitch investors

"Snap is a camera company," begins Spiegel. "We feel like we're really at the beginning of what cameras can do."



"Before, cameras were the perfect way to save or record something you saw. And they sort of helped augment memory. But now cameras augment the way that we talk."



Spiegel compares Snapchat's camera to a mouse cursor on a desktop computer. "With Snapchat, the camera has become the primary input for the phone."



See the rest of the story at Business Insider

This couple retired at 43 to travel Europe full time on $18,000 a year — here's the spreadsheet that helped them get there

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Julie Jason Buckley Ait Ben Haddon, Morocco

Jason and Julie Buckley have diligently tracked their pennies for years.

At first, it was part of their strategy to minimize everyday costs, pay off their mortgage, and invest in passive index funds. But eventually, the pair discovered they could afford to take up to two years off work to travel.

In 2011, the Buckleys set off to tour Europe and North Africa in their motor home, earning passive income from renting out their residential properties at home in Nottingham, England.

When their funds ran dry after two years, they returned to work — Jason as an IT project manager and Julie as a marketing manager — and quickly devised a plan to take their lives on the road full time.

Shepherded by meticulous spreadsheet estimates, they retired — both aged 43 — in September 2015 to travel indefinitely. They had about £30,000 (~ $36,800) in cash savings with the remainder of their net worth invested in rented-out residential property, private pensions, and investments including ETFs and bonds, Jason told Business Insider in an email.

"We developed a strategy to avoid living off savings. In theory, and in practice so far, our savings will increase over time," he said. Currently, the couple lives off of cash flow from investments — rental income, dividends, and interest — as well as advertising and book sales on their travel blog, which they spend just two hours a day maintaining.

Thanks to the low costs of living in a motor home, which enables them to visit expensive countries "for a fraction of the cost," their budget is a modest £15,000 (~ $18,400) a year. "We've tracked our spending for so many years it's almost become second nature, knowing how much we can spend, but still we track where the money's going to the nearest cent," Jason said.

Jason and Julie Buckley

The Buckleys have been traveling nonstop for 10 months now, though they keep a room in one of their homes open for intermittent returns.

"Our latest tour ... took us high into the French and Italian Alps for winter, down to the beaches of Croatia, up through the old ex-Soviet countries to Finland, further North to the top of mainland Europe at the North Cape in Norway, down the fjords and over to Sweden then Denmark," Jason said. "We're currently heading home for a short time before turning South for Spain and Morocco for the winter."

Jason said the couple occasionally discusses taking on full-time work, but hopes to continue traveling well into the future.

"The sensation of freedom is intense, once attained, and giving it up again isn't easy!" he said.

Below, Jason and Julie share the spreadsheet models they used for reaching financial independence and planning for their years in retirement. These spreadsheets do not include the Buckley's exact figures, but instead represent the formula they used to achieve early retirement and how they plan to sustain it for decades to come.

Access a test copy of the Buckleys' spreadsheet to follow along, or to make a copy of your own.

SEE ALSO: How one 26-year-old banked nearly $150,000 in savings as part of a plan to retire by age 37

DON'T MISS: A man who retired at 34 shares a spreadsheet that helped him get there

1. Variables

In this sheet, the Buckleys list their variables, which allows them to adjust for changes in things like cost of living. 

Jason's and Julie's assets and income are evenly split between them to make the most of the UK tax-free income threshold. "Since we don't have a high income, tax should be negligible for the first decade or so. After that we'll pay income tax and when we sell assets, some capital gains tax," Jason said.



2. Income and expenditure

This spreadsheet, which lists their income and expenses, represents the viability of retiring early, Jason said. The row labeled "variance" at the bottom indicates what should be left from income streams after paying living expenses.

The numbers here are for example purposes only, and don't reflect the Buckleys' own finances.

"On our version of the spreadsheet the numbers are green, but they only turned green once we'd built up enough passive income and reduced our costs," Jason said. For example, last year their expenditures were £7,000 (~ $8,554) below their income, part of which came from "one-offs" like selling a car.

"We could easily get our costs down to less than £10,000 (~ $12,200) a year doing this, but we'd miss out on too much," Jason said.

The Buckleys have 11 years until their private pensions — essentially the UK version of a 401(k) — will start paying out. The amount will increase when they reach age 67, although Jason says they'll only be eligible for partial state pensions, comparable to social security in the US.

To cover expenses prior to that, they've invested in residential property, shares, and roof-mounted solar panels, which generate government-paid feed in tariff payments. To maintain passive income from the rented-out properties, the Buckleys pay local management agents to service their tenants.

Jason and Julie are UK residents, so the national health service will cover any costs related to health, Jason said.

For both this sheet and the next, the Buckleys include estimations through age 85 in the year 2057.



3. Net worth

This spreadsheet represents how much the Buckleys would have in cash if they sold everything they own and paid off all liabilities. The model at the bottom shows how many years they could live for if they "liquidate everything and just started burning through the cash."

But, Jason said, for the next decade they plan to restrict themselves to just living on the cash flowing from investments and ignore any capital or market increases in the value of properties, pensions, and shares.

"At some point we'll need to increase our spending rate significantly in order to ensure we die broke, as we have no children to leave money to," Jason said. "In other words, instead of taking a 'pay cut' when we hit 'retirement age,' we'll get a pay increase."

If you're aiming to achieve early retirement, Jason and Julie suggest educating yourself financially and putting your plan on paper, tracking spending and cutting all unnecessary costs, and investing.

"As your costs come down, and income from your investments gets re-invested in more investments, at some point you will experience the bewildering and joyful moment when your wealth starts to spiral upwards," Jason said. "At that point your freedom is all but inevitable."



See the rest of the story at Business Insider

The only things you should pay attention to on a nutrition label

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Nutrition Label Skitched

Looking at a nutrition label can sometimes feel like looking at a whole lot of gibberish.

How much sodium is too much, and are those random nutrients on the bottom even important?

We spoke to nutritionist Karen Ansel (MS, RDN), author of "Healing Superfoods for Anti-Aging: Stay Younger Live Longer," to find out the things you should be looking for on the new nutrition label that many foods are already using, but that all foods will be required to have by July 2018.

Keep scrolling to find out what's most crucial on a nutrition label.

Serving size

Ansel says serving size is the most important thing and the first thing you should be looking for on a nutrition label because it lets you know how much of that food constitutes one serving.

So instead of eating a whole bag of chips or pouring yourself a bowl-full of cereal, check the serving size to make sure you don't end up unknowingly eating three servings when you only meant to eat one. Ansel says that portion control is a key to losing weight.



Calories

Calories go hand in hand with serving size, since the nutrition label tells you how many calories are in one serving of that food. Ansel says it's good to be aware of how many calories you're consuming and how that fits into the amount of calories you need per day.

While this amount differs from person to person, according to Ansel, most people need between 1800-2000 calories per day. So if you're eating a food that has 900 calories per serving, just know that's around half of your calorie intake for the day.



Saturated fat

Rather than looking at the total fat in a food, Ansel says it's best to focus on saturated fat. Nutritionists now realize that it's not how much fat you're eating, it's the kind of fat you're eating that matters most.

According to Ansel, eating too much saturated fat causes an increase in cholesterol, so it's best to avoid foods high in this fat. No more than 10% of your daily calories should come from saturated fat.

You can find out whether you're staying below that percentage by looking at the percent daily value column located all the way to the right on a nutrition label. This tells you the percent of your daily value of calories a certain nutrient makes up.



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9 healthy dinners you can make in less than 10 minutes

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Damn Delicious RiceThe INSIDER Summary:

• Quick dinners don't have to be unhealthy.
• Preparing a meal in 10 minutes may sound impossible, but here are recipes from chicken wraps to zucchini pasta that will leave you feeling good. 


Most quickie dinners rely on not-so-healthy standards, like a mountain of simple starches or a huge hunk of meat. It's hard enough getting dinner on the table fast, never mind finding something that is good for you too. Isn't it just easier to order a pizza? Well, we scoured Pinterest for the feel-good dinners that you can churn out in 10 minutes. Here are our favorites.  

Egg drop soup

This soup is a healthy, adult version of Cup Noodles. Seriously, it takes only a little more effort than using a microwave. You will barely have to pause your Netflix show to make a flavorful, soul-warming bowl. Recipe here



Cauliflower rice

If you haven't heard of the cauliflower craze, where have you been? The real game-changer and time-saver in this recipe is Trader Joe's Riced Cauliflower. The beautiful thing about cauliflower rice is not only is it healthy, but it's also super fast to cook, much, much faster than actual rice. Add in some eggs, veggies, or meats (if that is more your thing) to make a healthy takeout alternative. Recipe here.



Portobello pizzas

To be clear, pizza can never be replaced in our starchy, starchy hearts. But this recipe gets pretty damn close. To those living the low-carb, gluten-free life -- or just, you know, week -- portobello mushrooms are a hearty, umami-rich sub-in for the standard dough-based crust. Covered in bright tomato sauce, gooey cheese, and pepperoni (or any topping you like!), it won't taste like diet food. Recipe here.



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This woman quit her corporate job at 35 and saved $16,000 to travel the world 'indefinitely'

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Clelia Mattana - philippines view

In November of 2012, Clelia Mattana handed in her letter of resignation.

She had an established career as a sourcing coordinator at luxury fashion brand Burberry, a good salary, and her own apartment in London. But something was missing.

"I was unhappy because I wasn't following my true nature. All I could think of was visiting remote places, traveling to my favorite destinations, and exploring my passion for photography and writing," Mattana told Business Insider in an email.

The decision was made when she was on holiday in her native Sardinia in August of 2012. "After years of doubts and fears I decided that in six months I would quit my job and start traveling indefinitely," she said.

Less than half a year later, she had saved over $16,000 (~ £11,200) and set out for her first destination: Southeast Asia. Four years later, Mattana is still on the road, documenting her adventures on her blog, Keep Calm and Travel, and her Instagram.

Mattana spoke to Business Insider about what her nontraditional life looks like, the reality of working on the road, and how she affords it.

SEE ALSO: 18 countries where you don't have to leave a tip

"When I imagined how my life would have looked in 10 years, working in a field that didn't represent me at all, something broke inside me and I knew that I had to do something radical to change my situation," Mattana said.



"So I decided to take the riskiest decision of my life, quitting a secure, prestigious job for the big unknown."

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 Myanmar.



"I had never been to Asia before and being born in a beautiful Italian island, Sardinia, I thought that starting with Thailand, with its totally different culture, cheap prices, and wonderful beaches, was the obvious choice for me."

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In Thailand.



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The Internet of Everything — $12.6 trillion ROI expected over the next decade [SLIDE DECK]

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future of retail deck slide 10

Everything around us is becoming connected. As a result, we are seeing shifts in investments and returns. There is already a great demand for network expansion, cyber security and insurance. And generally, the prices of hardware will fall as IoT becomes less of a novelty.

All of this opens up a huge opportunity for everyone to make and save a lot of money. We will invest $6 trillion in IoT between 2015 and 2020, which will yield $12.6 trillion ROI over the next decade. Enterprise will make up the majority of the investment dollars, followed by government and consumer.

BI Intelligence has created a slide deck exploring the most disruptive trends in IoT. To get a more detailed view of the progression, landscape and projections of the Internet of Everything, access the complete slide deck by clicking here.

Some of the topics covered include:

  • The market drivers for the IoT.
  • Forecasts for the IoT market.
  • A breakdown of how many industries are utilizing IoT devices.
  • A look at how governments are using the IoT to revolutionize their cities and defense.
  • An examination of the smart home and connected car market.
  • And much more.

Below are 8 sample slides from the 60-page deck. Want the full deck? Access it here for FREE >>

Want the full 60-page slide deck?  Access it Here - FREE >>



Want the full 60-page slide deck?  Access it Here - FREE >>



Want the full 60-page slide deck?  Access it Here - FREE >>



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Critics tear down Matt Damon's new blockbuster 'The Great Wall': a 'tedious' 'white savior' movie

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the great wall 1 universal

Matt Damon plays a mercenary who travels east in search of black powder and instead finds himself battling monsters in "The Great Wall" (in theaters this weekend).

What might have been considered an outlandish blockbuster a decade ago is now looked at more skeptically in 2017. Many see Damon's new movie, an American/Chinese coproduction in which he is the lead and surrounded by Asian actors, as Hollywood's latest example of whitewashing.

#ThankYouMattDamon has even gone viral on Twitter, with people sarcastically thanking Damon for everything he's done for Asian culture.

Now critics have chimed in, and it's not just the whitewashing allegations they see as a problem for the movie, which currently has a 38% rating on Rotten Tomatoes.

Here's what critics are saying about the movie:

SEE ALSO: Stephen Colbert obliterates Trump's press conference: "We elected a mess"

The movie is just dull.

Though the movie was directed by acclaimed Chinese director Zhang Yimou ("House of Flying Daggers"), its plot and action are predictable and extremely watered down, according to the scribes.

As USA Today puts it: "'The Great Wall' would probably be a lot more culturally offensive if it wasn't such a complete trainwreck."

The Chicago Tribune called it: "A monster movie, a white savior movie, and an extremely tedious movie."



There's some cool CGI, but that's not enough to save it.

As in all of Yimou's work, visual effects are prevalent, but not even beautiful CGI-generated landscapes and huge creature battles will keep you interested.

"There are plenty of fun CGI monster-skewering scenes,"Empire said, "but a clunky plot, rigid script, and equally stiff acting make this a crumbling disappointment, if not quite a disaster."



And the dialogue is just plain weird.

There are certain moments in the movie when you don't know if suddenly the actors forgot they were supposed to be playing characters in ancient China. Modern slang is repeatedly used. One character says "b----" and a few say "I heard that!" Pretty sure neither was around in those days.

The Hollywood Reporter sums up the movie this way: "'The Great Wall' is easily the least interesting and involving blockbuster of the respective careers of both its director and star."



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