Love him or hate him, director Michael Bay has spent the last two decades completely dominating the box office.

Though he’s a punching bag for critics, Bay’s movies — from the action-comedy “Bad Boys” to the thrilling “Armageddon” — have grossed over $2.1 billion at the United States box office in his career. Only Steven Spielberg has brought in more coin.

The divide between critics and audiences is most obvious with Bay’s “Transformers” movies. Though the highest-ranking of any of the movies on Rotten Tomatoes only has a 57% score ("Transformers: Revenge of the Fallen"), the franchise, entirely directed by Bay, has taken in over $3 billion worldwide. 

With Bay’s latest, “Transformers: The Last Knight” (currently in theaters), marking the final time he’ll helm a movie in the franchise (or so he says), we thought this would be a good time to look back on his profitable, yet underappreciated, career.

Here are all of the movies of Michael Bay, ranked from worst to best:

SEE ALSO: The "Wonder Woman" cinematographer explains how he pulled off its most miraculous scene

13. “Transformers: Revenge of the Fallen” (2009)

Though most felt Bay and star Shia LaBeouf did an impressive job kicking off the franchise with 2007’s “Transformers,” the sequel didn’t give audiences hope that the movies would get any better. With a 19% rating on Rotten Tomatoes, the sequel started the critical bashing of the franchise that continues to this day.

“Revenge of the Fallen” is best known for it marking the last time Megan Fox would appear in the movies. She was fired for saying in an interview that working with Bay is a “nightmare” and for comparing him to Hitler. 

12. “Pearl Harbor” (2001)

Having just come off of the blockbuster “Armageddon,” Bay could do no wrong in the eyes of Hollywood. And with that power he went and made a three-hour movie about Pearl Harbor. The problem was, it was awful.

Starring Ben Affleck, Josh Hartnett, and Kate Beckinsale, this epic may be cool to look at, but the story it tells is a complete bore.

11. “Transformers: Age of Extinction” (2014)

The beginning of the Mark Wahlberg era of the franchise, the film has little to enjoy and clocks in at a mind-numbing 2 hours and 45 minutes. But audiences didn’t seem to care — the movie took in over $1 billion worldwide. 

JPMorgan has released its 18th annual summer reading list.

The books includes titles such as "Rethink: The Surprising History of New Ideas" and "Women in Science: 50 Fearless Pioneers Who Changed the World," as well as authors such as Sheryl Sandberg and Michael Bloomberg.

“This year’s selections are diverse and thought-provoking non-fiction titles, reflecting the passions and causes our global client base care about most,” said Darin Oduyoye, Chief Communications Officer for JPMorgan Asset & Wealth Management.

We've included a roundup of the books along with brief descriptions from JPMorgan.

Climate of Hope: How Cities, Businesses, and Citizens Can Save the Planet

Authors: Michael Bloomberg and Carl Pope

Description: Noted philanthropist and former New York City Mayor Michael Bloomberg and renowned environmentalist Carl Pope team up to share insights and solutions they believe will address the impact of climate change, from how we manage our cities to how we invest. While urging immediate action, they remain optimistic that people and policy can come together to confront what might be civilization's greatest challenge.

Find here on Amazon

Source: JPMorgan

Hit Makers: The Science of Popularity in an Age of Distraction

Authors: Derek Thompson

Description: In the Internet age, popularity often seems attainable by anyone, even on a global scale. In Hit Makers, Derek Thompson offers an alternative explanation: Hits are rarely flukes. Instead, hits are meticulously, almost scientifically crafted to be both familiar and new. From popular songs to blockbuster movies, the author explores how “the science of popularity” shapes our culture and our lives.

Find here on Amazon

Source: JPMorgan

Madame President: The Extraordinary Journey of Ellen Johnson Sirleaf

Authors: Helene Cooper

Description: As Africa's first elected female president and 2011 Nobel Peace Prize recipient, Ellen Johnson Sirleaf has blazed a trail of equality and empowerment for women everywhere. Helene Cooper, herself born in Monrovia, Liberia, details Sirleaf’s amazing path from mother of four boys and survivor of war and violence to leader of a fragile nation–an inspiring and memorable story.

Find here on Amazon

Source: JPMorgan

Sheri Meyers calls it an "affair of the heart," or "emotional sex."

You're hardly renting a hotel room together — at least not yet — but you're going out to lunch every weekday and trading intimacies, and when you get home at night, you can't stop thinking about them. Or, maybe you haven't met in person, but you chat online for hours at a time.

Emotional affairs are hard to define exactly. But as Kristin Salaky at INSIDER reports, they're becoming increasingly common — more so even than physical affairs.

Business Insider spoke to Meyers, who is a licensed marriage and family therapist and the author of "Chatting or Cheating," and Michele Weiner-Davis, who is also a licensed marriage and family therapist and the author of "Healing From Infidelity," about some key signs that you could be guilty of emotional infidelity.

Interestingly, Weiner-Davis said that many people in this situation insist they weren't looking to cheat — it just happened. But in reality, the road to infidelity is a "slippery slope," she said. "Every daily decision is bringing them closer and closer to moving from emotional infidelity to perhaps even a physical affair."

SEE ALSO: 9 facts about cheating that couples — and singles — should know

You find that it's easier to open up to the other person than it is to open up to your partner

In short, Weiner-Davis said, "that's not a good sign."

Even if you do have better communication with the other person, she added, there's probably a good reason why: You don't have to talk to that person about kids, or finances, or all the other un-sexy topics you talk to your partner about.

So instead of pursuing that freer relationship with the other person, "what needs to happen is rather than using [the other person] as the outlet, you need to get help so that you have better communication at home."

You're sexually attracted to the other person

"You are drawn to this person," Meyers said, "whether you act on it or not."

It's really a combination of sexual chemistry and emotional comfort: "There's this underlying sexual energy and chemistry and you begin to believe that your friend understands you and gets you more than your partner does."

You wouldn't behave the same way toward the other person in front of your partner

When Weiner-Davis talks to couples about emotional infidelity, she tells them:

"You have to ask yourself when you're having interactions with someone meaningful to you: If your spouse [or partner] were standing right beside you, would you be doing what you're doing? Would you be saying what you're saying?

"And if the answer's no, then there's something not right about that relationship."

Sure, you know one of the best ways to improve your diet is to cut back on red meat and sweets.

But what about the things you can add to your diet for improved health? The items on this list might not be popular yet among Americans, but they're all either good for your health or beneficial for the planet.

Plus, many of them make great additions to a summer meal — either in salads or on the grill.

SEE ALSO: 25 'superfoods' you should be eating more of right now

NEXT UP: 15 products you probably thought were healthier than they actually are

Breadfruit.

Breadfruit is found throughout regions with hot, sunny, moist climates, such as the Pacific Islands. The football-sized fruit is covered in prickly, geometric-patterned skin. When hacked open, it resembles a giant kiwi, and the flesh inside is whitish yellow.

Some have called breadfruit "the perfect candidate for tackling world hunger," and it's easy to see why. The trees are easy to grow (no seeds are required, merely a root and a pot of soil), and they begin bearing fruit in 3-5 years, according to the Hawaiian Breadfruit Institute.

Plus, it's good for you: Breadfruit is rich in energy-providing carbs but low in fat, and a single fruit packs about 10 bananas' worth of potassium.

Chicory.

Instead of adding kale to your next salad, try chicory. It's a flavorful addition to any food. Chicory is also a good source of fiber, vitamins, folate, and zinc, and it's very low in calories. In fact, a whole cup of it raw is just seven calories. Chicory was also included on the Centers for Disease Control and Prevention's list of "powerhouse" foods. All of the foods on the list pack a lot of key nutrients into each calorie and are linked with a reduced risk of chronic disease. Studies also suggest that people who eat more of them tend to be thinner and live longer than those who rarely or never eat them. 

Jackfruit.

At markets around the world, vendors slice open monstrous yellow orbs called Jackfruit, hack out the fleshy bulbs of the inner part of the fruit, and sell them by the pound. Raw and ripe, the fruit tastes like a cross between a mango and a pineapple. 

But young jackfruit can also be shredded, seasoned, cooked, and served up as an alternative to meat. I recently taste-tested some. It was surprisingly tasty — with a texture similar to pulled pork and a flavor that reminded me of a cross between hearts of palm and kimchi.

Some experts call jackfruit a 'miracle' crop, since so many parts of the Jackfruit tree can be used and because the fruit itself is so versatile and nutritious. The flesh is high in calcium, iron, and potassium and low in fat. The edible seeds are good sources of protein.

Loneliness provides lots of inspiration for songwriters, especially country music composers.

Though it can be good song material, feeling lonely can be detrimental to your health, research shows.

According to research by AARP, 35 percent of survey respondents age 45 and up were lonely.

And additional research has tied loneliness to metabolic syndrome, an array of health conditions such as abdominal obesity, high blood pressure and insulin resistance; plus, it increases the risk of stroke, heart disease and Type 2 diabetes.

Not to mention: “Feelings of loneliness and isolation are often underlying factors for chronic pain, substance abuse and depression,” says Dr. Jennifer Caudle, an assistant professor at Rowan University School of Osteopathic Medicine in Stratford, New Jersey. Here are 10 strategies for combating loneliness:

SEE ALSO: A doctor's 4 psychology-backed tips to combat loneliness

1. Understand what loneliness is

There’s a difference between solitude and loneliness, says Sanam Hafeez, a licensed clinical psychologist in New York City and a faculty member at Columbia University Teacher’s College.

“Both mean a person is alone; however, the mindset is different,” she says. “It’s a typical feeling someone has when they believe the validation of others [and their company] is needed to feel worthy and at ease. Solitude is rooted in choice and peace. When someone revels in their solitude, they appreciate their connection to themselves first. They may enjoy time spent with others but don't need it.”

And, according to the Cleveland Clinic, lonely people often have difficulty making meaningful connections.

2. Start with small steps

When you’re feeling isolated, it may seem daunting to re-engage with others socially. Start by taking small steps.

If you feel isolated or disconnected, or you recently lost a loved one, you’re not alone. Get out and about by going to the supermarket, the gym or volunteering, says Dr. Sachin H. Jain, president of CareMore, an integrated health plan and delivery system based in California that focuses on managing the needs of seniors and others in seven states.

It’s important to keep moving and take small steps toward engaging with others in whatever form works for you, Jain says.

3. Meet people IRL (in real life)

Looking at Facebook and Instagram photos of the amazing vacations your friends are taking – or studying their social media updates on personal and professional successes – can promote feelings of loneliness.

“It’s counterintuitive, but increased use of social media may exaggerate feelings of loneliness,” Caudle says. “While social networks can offer real connections, remember that curated platforms often over-emphasize the success of others.”

Instead of spending too much time reading about people in cyberspace, close your laptop, put down your phone and spend more time with people you know in real life. “There’s no substitute for face-to-face interaction,” Caudle says.

Warren Buffett began his investing career early, buying his first stock before he was a teenager. By the time he was in his 20s, he founded Buffett Associates and was on his way to becoming a billionaire.

It’s a success story for the ages, and the self-made Oracle of Omaha is now one of the world’s richest men, with a net worth of more than $74 billion, according to Forbes. Buffett’s success boils down to some fundamental philosophies and rules that he has followed closely over the years.

However, even Warren Buffett's stock portfolio can contain a few clunkers. Buffett is disciplined and methodical, but he has occasionally thrown caution to the wind and strayed from his principles.

The results occasionally have been disastrous, but not always. If you want to get rich, read on to see seven of Buffett’s core investing rules — and what happened when he broke them.

SEE ALSO: 5 of Warren Buffett's most frugal habits

DON'T MISS: 24 mind-blowing facts about Warren Buffett and his $70 billion fortune

Always consult trusted advisers

In 1959, Buffett met Charlie Munger, setting the stage for one of the strongest business partnerships in history. Together, the pair built Berkshire Hathaway, among the most successful companies in the world. Buffett is CEO and chairman of the company, and Munger serves as vice chairman. Munger is a key ingredient in Buffett’s secret investing sauce, and no deal goes through without Munger’s seal of approval.

Well, no deal except for a few. Such rare Warren Buffett mistakes include Buffett’s fateful decision to purchase Energy Future Holdings. Buffett struck the agreement without Munger’s endorsement, and it cost Berkshire Hathaway a staggering $873 million.

“Most of you have never heard of Energy Future Holdings,” Buffett wrote to shareholders in 2014. “Consider yourselves lucky; I certainly wish I hadn’t."

Buffett admitted he made the investment without consulting Munger first. “About $2 billion of the debt was purchased by Berkshire, pursuant to a decision I made without consulting with Charlie," Buffett wrote. "That was a big mistake.”

Energy Future Holdings later filed for bankruptcy in 2014, which Buffett predicted. In the process, the Oracle of Omaha learned an expensive lesson in what happens when he doesn't run things past his right-hand man. You, too, should try to find a trusted advisor on financial matters.

Cash is riskier than the stock market

Many people view stock market investing as risky. But one of the key Warren Buffett lessons is that the real risk often lies in keeping your money in cash. Buffett has stayed true to this rule, even saying "I hate cash" on CNBC.

So, if this is true, why is the Oracle of Omaha keeping nearly $100 billion in cash? Even for one of the world’s richest men, that’s a lot of green, leading to plenty of speculation about why he is breaking his own rule. Investors and Buffett fans wonder if there is a big deal — even a corporate takeover — on the horizon.

If a takeover is in the cards, $100 billion is enough to put giant corporations such as Nike or Costco at risk. For now, the billionaire has been mum about his stockpile of cash, insisting he’s just been keeping the cash until the right large-scale acquisition opportunity comes along.

Don't use undervalued stock to make a purchase

A huge part of Buffett’s success comes from retaining ownership of stock that is undervalued by the markets. He's not a fan of using such stock to purchase other companies.

"Under such circumstances, a marvelous business purchased at a fair sales price becomes a terrible buy. For gold valued as gold cannot be purchased intelligently through the utilization of gold — or even silver — valued as lead," he has said.

Buffett broke this rule when he acquired General Re to expand GEICO’s insurance operations. When Buffett purchased the company, he issued $21.7 billion in stock to pay for it. That might seem like a sweet deal for a company that is now a major part of Berkshire Hathaway’s insurance operation. However, the stock Buffett issued to General Re’s shareholders would now be worth $69.4 billion, according to a report in the Motley Fool. So, if Buffett had kept his Berkshire Hathaway shares and purchased General Re with cash instead, he’d be a lot richer.

If you're an avid fan of HGTV's "Fixer Upper," a trip to Waco, Texas, should be on your radar.

Joanna and Chip Gaines have been fixing up dilapidated homes in Waco on their TV show since November 2015. The success of the show has transformed the town into a full-fledged tourist destination.

The couple has since opened a massive town center where visitors can shop for home goods inspired by the show. There's also a bakery and a handful of trendy food trucks. 

But possibly the number one reason to visit Waco is that you can stay in one of the home that Joanna and Chip have renovated. Some are available for short-term rentals on sites like Airbnb and VRBO.

This attraction might not last forever. A spokesperson for the Gaineses told local newspaper Waco Tribune-Herald: "We are going to be more strict with our contracts involving ‘Fixer Upper’ clients moving forward. We want to honor our national viewing audience. We want to do remodels for clients’ homes. That’s the true intent of our show, and we want to ensure that does not get lost in this new vacation rental trend."

The new terms apply to homes appearing in the new fifth season of the show.  

Here are some "Fixer Upper" homes that are available for rent:

SEE ALSO: I traveled to Waco, Texas, to see the town that has been transformed by HGTV's hit show 'Fixer Upper' — here's what it's like

Gorman House was featured on the first episode of Fixer Upper. It was uninhabitable when the Gaines' started work on it. Now, it's a five bedroom house with a wrap-around porch.

Source: Magnolia Market

The house is currently listed on Airbnb for $375 a night for a minimum of two nights. One-night stays cost $475. These prices exclude tax and service charge fees.

See the listing here on Airbnb.

The house has the Gaines' signature open-plan kitchen and breakfast bar combo.

The Orlando Magic and Minnesota Timberwolves have become the latest teams to announce the addition to advertising patches to their jerseys for the upcoming 2017-18 season.

So far, eight teams have announced the addition of ad patches and certainly more will come as we get closer to the season. While we don't know how much every team is making off the patches, the Warriors would reportedly command $15-20 million per year.

Some teams have opted for team-color-friendly patches. Some teams have formed true two-way partnerships with their ad patches promoting a business that the team also works with off the court. And one team has even chosen to promote a charity with their ad patch. 

Below is a look at the partnerships that have been announced so far.

Philadelphia 76ers and StubHub

Read more: Philadelphia 76ers become first NBA team to land jersey advertisement with StubHub

Brooklyn Nets and Infor

Sacramento Kings and Blue Diamond Almonds

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.

Summer is coming. For many, that means trips to lakes, beaches, pools, or even running through sprinklers — we don't judge. 

Unfortunately, humans love water way more than electronics do.

As someone who lost a Tamagachi to a huge wave, and has seen the look of horror on friend's faces when they fall into a pool with a phone in their pocket, I'm well aware of how bad things can get when gadgets and water meet. 

The electronics on this list are waterproof or water-resistant, and there's even an accessory to keep your non-waterproof electronics safe while you're having your fun in the sun. 

SEE ALSO: The 4 best smart home gadgets you can get for under $100

SEE ALSO: This cult-favorite cooler is virtually indestructible and keeps your drinks cold for hours

A waterproof speaker

Keeping a speaker near a body of water is a tricky proposition: You want it close enough to hear the music loud and clear, but far enough back that it won't get splashed. 

JBL's Charge 3 is the best waterproof speaker I've tried so far. I could fully submerge it under water and it would continue to play music. It was also nice that JBL offers this speaker in different colors. Not only does this make it stand out from its competition, but the aesthetic choice makes it easy to spot JBL's speaker should you lose track of it.

JBL Charge 3, $109, available at Amazon

Waterproof headphones

Why should runners have all the fun? If you'd like to listen while you swim laps, a pair of waterproof headphones should be on your summer to-buy list. Thankfully, Swimbuds has you covered.

Now on their second generation, swimmers on Amazon have praised the Swimbuds for their snug fit and tight water seal. The Swimbuds come with four different types of headphone tips, so they can fit in as many differently shaped ears as possible. The air seal they create is powerful enough that, as long as they're in your ears before you make the plunge, you shouldn't get any water inside.

By default the Swimbuds have a short cord so they don't interfere with your swimming, but an extra three-foot cable is included if you'd like to clip your music device somewhere lower on your body.

Swimbuds SPORT Waterproof Headphones, $70, available at Amazon

A waterproof phone case

For many, myself included, our phone is the most important piece of technology we own, and definitely the most important gadget we have on us all the time. Unfortunately phones don't like water too much. So if you're going to be around water this summer, it's worth picking up a waterproof case, even if you swap it with a different case next fall.

Lifeproof's FRE case can keep your phone safe for up to an hour in water up to six feet deep. Its hard plastic feel may be less premium than the aluminum and glass of the iPhone itself, but if you're an avid beach goer this case is worth picking up.

Lifeproof FRE iPhone 7 Waterproof Case, $46.99, available on Amazon

Lifeproof FRE iPhone 7 Plus Waterproof Case, $63.99, available on Amazon

It's not just you. In New York City, subway delays are on the rise. In 2012, there was an average of 28,000 delays a month. Fast-forward four years, and that number has climbed to 70,000.

Sometimes it's easy to miss, with shiny new touchscreen kiosks and promises of open-gangway subway cars, but the New York City subway system runs on technology installed before World War II.

Because 5.7 million people swipe their MetroCards every weekday, the delays pile up quickly when something goes wrong.

A crucial element of the Metropolitan Transportation Authority's plan to fix this is called communications-based train control. The technology is revolutionary for a system as old as New York City's, and installing it on a single subway line took six years and $288 million.

To persuade the state to provide the $20 billion it would take to upgrade the whole system, the MTA used YouTube to showcase its century-old signals, hand-controlled switches, and what was being done to update the aging system.

Here's what's being done to improve a system that remains mostly unchanged since its inception in 1904:

SEE ALSO: Here's what the NYC subway map looks like to a person with disabilities

"In our system, it's not just the architecture that's 100 years old," an MTA employee says in the YouTube video. "It's a lot of the basic technology as well."

At the West Fourth Street station, MTA employees log train movements by hand.

Every signal on each line is mapped on this board, which looks more like an old board game than a method of keeping millions of commuters safe and on time.

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.

Gamers have usually tried to stand out by getting really good at a particular game, or sticking with a certain console.

Microsoft wants to make it easier to add some flair to your gaming set up by letting you design a custom controller through an online tool.

It's simple to use, but gives you enough options that you probably won't ever see one like it. I've walked through the creation process below so you'll know what to expect if you make one yourself.

Start designing your own Xbox controller here >>

SEE ALSO: 7 tech accessories every avid gamer should own

You start with a plain, black controller, and can change the color of its body or jump ahead to a different part. At the bottom you'll also notice a button that lets you switch between a 2D and 3D view.

Picking a color gives you a high resolution view of how the controller will look.

Each color choice carries over through the different steps, so you can mix and match until you find a combination that fits your aesthetic.

The UK is one of the best-funded tech ecosystems outside of Silicon Valley thanks, in part, to its diversity.

There are more women than ever founding their own tech startups in the UK, defying barriers like the huge gender gap in computer science, the fact that most European firms have all-male founding teams, and that most venture capitalists are men.

We ranked the 33 coolest female founders in the UK, taking into account their careers and the success of their companies.

A side note: some people don't like all-women lists because it suggests their gender is the primary filter for their achievements. We've included many of these women on mixed-gender lists too, but wanted to give them their own ranking.

Additional reporting by James Cook and Edoardo Maggio.

29. Priya Lakhani OBE, founder and CEO of Century Tech

Century Tech provides software to schools that lets them track the performance of individual students, from how they're doing at homework to where they need to improve.

This is founder Priya Lakhani's second venture (third, if you count her first business of selling sweets to schoolfriends at the age of 11). She founded an Indian sauce company, Masala & Masala, before moving on to Century Tech in 2014.

Founded: 2014

Funding:£2.1 million

Number of staff: 21

Twitter: @priyalakhani

28. Aneeqa Khan, founder and CEO of Eporta

Eporta is an online marketplace for interior designers, architects, and anyone else who designs buildings for a living.

Khan came up with the concept while at property portal Zoopla, which she helped lead to IPO. She figured there was no marketplace for tradespeople to source furniture, so she left Zoopla to found her own company.

Founded: 2014

Funding: £3 million

Number of staff: 25 

27. Michelle Kennedy, CEO and cofounder of Peanut

Peanut is a dating app for lonely mothers. It connects new mothers who have similar interests and backgrounds.

Cofounder Kennedy left a high-profile job at dating giant Badoo, where she was deputy CEO, to run the startup. You can read more about Peanut in Business Insider's interview with Michelle Kennedy.

Founded: 2016

Funding: Not disclosed

Headcount: 9

Twitter: @shellkennedylon

Most modern apps are developed for the two big mobile operating systems (OS): Google's Android and Apple's iOS.

Android is the more flexible OS of the two, which means that it can be highly customisable with apps that are exclusive to it.

Some of them actually allow you to change how the very system works, in a way.

There are apps like Link Bubble and its unique browsing experience, for instance, or Action Launcher 3's re-imagination of a home screen.

However, choice and flexibility also mean that it can be easy to get lost inside the hundreds of apps present in the Play Store.

Here's a selection of nine useful apps that can help you make the most of your Android device.

1. Action Launcher 3 — Customise the look and feel of your home screen

Action 3 is one of many Android "launchers"— home screen replacements that allow you to customise the look and feel of your device's main page.

What you in the screenshot above is the "Quickbar," which allows you to look for things on Google as well as access apps or actions quickly with the icons you see at the top right.

I have a mic to activate Voice Search, a shortcut to the Play Store, and the three-dot menu button to open Action 3's menu.

One of Action's features is its vertical, alphabetically sorted app drawer

You're likely to be used to a more traditional app drawer where apps are all inside of a grid within pages, but developer Chris Lacy has come up with an innovative idea.

Action 3 does offer the chance to use a traditional drawer (accessible with a swipe up from the bottom), but its default one shows apps vertically in alphabetical order.

You can slide your fingers on the letters to blaze through apps faster.

Action 3 also offers a clever way to make use of widgets and folders

You may have noticed that in the previous screenshots, the fifth app in my dock was Google Chrome. And you'd be right! Tapping on it opens the browser.

However, Action 3 offers the chance to create "Covers" that hide other apps beneath one.

They're essentially folders, but they allow you to avoid the ugly look of traditional folder stack or nests. Tap to open the first app of the folder and swipe up to actually open the folder hidden underneath it.

You can also activate small visual indicators that remind you of which apps hide folders.

LONDON — Friday marked exactly one year since Britain went to the polls and voted to leave the European Union, shocking the world and causing a market meltdown the scale of which had not been since the financial crisis.

The morning after the referendum, when the result became clear, the pound's movement was perhaps the most obvious sign of this market madness. Sterling dropped more than 10%, suffering the biggest single-day fall for a major currency since the Second World War, and hitting a low against the dollar that had not been seen in 31 years.

Sterling dropped from being worth close to 1.48 against the dollar to around $1.32, and also plummeted against the euro, costing forex traders millions and making the average Brit's trips abroad a whole lot more expensive.

Since that day, sterling has ridden something of a rollercoaster, enduring wild swings in value, a flash crash and a shift from being driven by economic data releases, to moving on political developments, especially those related to Brexit.

Business Insider decided to take a look at all the major developments in sterling since the vote. Strap in.

June 24, 2016

Sterling dives off a cliff, losing around 3% of its value after early results show the northern city of Sunderland voting more heavily for Brexit than had been expected. That was taken as a sign that the Leave campaign might be victorious.

As more results rolled in the pound continued to tank, losing more than 10% at its lowest point. By the end of the day, the currency had recovered a little and was down only 8 or so percent.

June 27, 2016

After a weekend where the world tried to make sense of the vote's implications, sterling resumed its crash the next Monday, dropping another 3% to a new low against the dollar.Chancellor of the Exchequer George Osborne warned in a speech on the day that markets faced more volatility, but that the UK's financial sector was ready to deal with it.

July 3, 2016

HSBC strategist David Bloom and his team write a note saying that the pound is stuck in "limbo land."

"Robust consumer data and a less-dovish BoE may cause the market to alter its view on UK rates, driving GBP higher. If the opposite is true, and consumer data are worse than expected, GBP would move lower," they argue.

Consumer data would prove to be better than expected over the coming months, but sterling would not recover substantially as forecast. 

Forbes has released its third annual list of the richest person in each state and the cumulative wealth amounts to over $745 billion.

The top ten includes the list's youngest member — 33-year-old CEO of Facebook Mark Zuckerberg — along with the owners of Wal-Mart and others.

It's worth noting that some of the country's wealthiest individuals — like Amazon's Jeff Bezos — are not the wealthiest residents of their own state, and therefore are not included on this list.

We've listed the top ten states by their richest resident along with details such as net worth and industry.

Check out Forbes' full list here.

10. Wyoming

Richest Individual: John Mars

Net Worth: $27.6 billion

Industry: Candy

Source: Forbes

9. Virginia

Richest Individual: Jacqueline Mars

Net Worth: $27.6 billion

Industry: Candy

Source: Forbes

8. Nevada

Richest Individual: Sheldon Adelson

Net Worth: $35.6 billion

Industry: Casinos

Source: Forbes

Samsung's Galaxy S8 is the most feature-filled, beautiful smartphone you can get, period. It has the best camera, the best design, the best screen, and the latest specs.

Yet, despite these accolades, I'm still more attracted to the new OnePlus 5.

What could the Galaxy S8 possibly do wrong that makes me drift towards the OnePlus 5 instead? 

I want to give the Galaxy S8 the credit it deserves, so check out all the things the Galaxy S8 can do that the OnePlus 5 can't. Then, see why I'd still pick the OnePlus 5:

SEE ALSO: You need to check out the new OnePlus 5 before buying any other Android smartphone

The Galaxy S8 has a striking design compared to the OnePlus 5.

There's no competition here. The combination of the invisible home button, curved display edges, rounded display corners, taller aspect ratio, and ultra-narrow borders around its display makes the S8 a strikingly beautiful smartphone that also more modern than the utilitarian design of the OnePlus 5. 

The Galaxy S8 has a sharper display.

You can set the S8's display to a 1440p resolution, which is sharper than the OnePlus 5's 1080p resolution. 

The Galaxy S8 is water-resistant; the OnePlus 5 is not.

Samsung is keen to boast about the S8's IP 68 water resistance, which allows it to survive down to a depth of 1.5 meters (nearly five feet) for up to half an hour. 

Here they are: the most important charts in the world. 

Once again, we asked dozens of top strategists, economists, and writers for one chart that is top of mind right now. The slideshow includes their verbatim analysis of the trend they picked. 

All of these charts were submitted by June 16, so some of the data may have evolved since then.

With assistance from Rachael Levy, Elena Holodny, and Jonathan Garber.

David Rosenberg

"This is where the power and influence still reside, and nothing is going to stop the inevitability that nearly two million of this critical demographic group will be turning 70 annually for the next 15 years. And they are very likely to make it to 85 or even older with medical advancement.

This has crucial implications for the financial markets because it is when you turn 70 that you undertake the most profound asset mix shift since you were in your 30s and loaded up on equities — when you turn 70, preservation of capital and cash flows becomes much moreimportant, and yet in a world where 'safe yield' has become extremely scarce, the investment challenges for the aging but not yet aged boomers are going to be daunting, to say the least." 

Rick Rieder

"This crisis has under-appreciated negative side effects for the US economy as a whole. Most significantly, student loans are making it harder for first-time home buyers to afford their own home, with more than 70% of would-be first-time buyers saying student loan debt is delaying their home purchase, according to the National Association of Realtors. As a result, the homeownership rate in the US has fallen each of the last six years despite a solid economic recovery, according to the US Census Bureau, with the biggest impact coming from the 25-34 year old cohort as seen in the chart above. 

The student loan burden is not just curtailing young adults’ home buying; it is weakening their consumption in general, posing a major headwind to US economic growth. In addition to the direct economic impact, the student loan crisis could also worsen the class divide. Home ownership levels at age 30 are much lower among those with college debt than those without, and when faced with today’s high college costs coupled with the prospect of taking on significant debt, more students from lower-income households may choose not to attend college, worsening their outlook for employment and wage income over the course of their career. The bottomline: This crisis is likely to be a major drag on the US economy for years to come if it remains unaddressed, and an elegant fiscal-policy solution is needed, the sooner the better."

Torsten Slok

Senate Republican leadership on Thursday released a draft of its long-awaited healthcare bill, the Better Care Reconciliation Act of 2017.

The bill contained only one mention of the ongoing opioid crisis: It appropriates $2 billion for fiscal year 2018 for the secretary of Health and Human Services "to provide grants to states to support substance use disorder treatment and recovery support services for individuals with mental or substance use disorders."

Tennessee Sen. Lamar Alexander has argued, among others, that the appropriation is "by far the largest amount Congress has ever appropriated in one year for opioids. But it pales in comparison to the $45 billion over 10 years for which Republicans like Ohio Sen. Rob Portman and West Virginia Sen. Shelley Moore Capito reportedly asked.

It also doesn't account for the billions of dollars in funding for treatment and addiction services that could be lost due to other provisions of the BCRA, the Senate's bill.

The bill would have major effects on the opioid crisis — here's how: 

Medicaid funding

The BCRA would phase out the Medicaid expansion established by the Affordable Care Act, which extended the program to those making between 100% to 138% of the federal poverty limit.

The Congressional Budget Office estimated in March that the Medicaid rollback under the AHCA would result in approximately 14 million people coming off the rolls in the next decade. The Senate's rollback isn't much different.

The CBO also estimated the House's bill would result in more than $800 billion in cuts to federal Medicaid spending over the next decade.

If the Senate's bill passes, the cuts would likely be hundreds of billions more, due to a small, but significant shift in the benchmark used to calculate funding for the program.

The proposed phaseout of Medicaid expansion led Nevada Sen. Dean Heller, a Republican, to come out in opposition of the bill on Friday.

"You have to protect Medicaid expansion states. That's what I want. Make sure we're taken care of here in the state of Nevada," Heller said.

Republican Gov. Brian Sandoval expanded Medicaid in Nevada, which has the 15th-highest drug-overdose death rate in the US. Sandoval said on Friday that expansion has led to 210,000 Nevadans gaining coverage.

Further, eight states that chose to expand Medicaid include provisions that would automatically end the expansion if funding changes.

Four of those states — New Hampshire, New Mexico, Michigan, and Indiana — are in the top 20 of states with the highest overdose death rates. 

"This bill takes away the No. 1 tool we have in the fight against opioids — Medicaid treatment," Sen. Sherrod Brown, a Democrat from Ohio, said in a statement.

Medicaid has been integral to the fight against the opioid crisis in Ohio and elsewhere. In West Virginia, the state with the highest drug-overdose death rate in the US, and Ohio, which is third, Medicaid has paid for 45% and 49.5% of treatment costs, respectively, according to Stat News. It's similarly high in other states affected by the crisis.

Essential Health Benefits

The BCRA, like the AHCA's MacArthur Amendment, would allow states to apply for permission to rescind some of the Affordable Care Act's regulations as long as states show how it provides "for alternative means of, and requirements for, increasing access to comprehensive coverage, reducing average premiums, and increasing enrollment.”

Unlike the AHCA, the Senate bill would not allow states to rescind regulations related to preexisting conditions, but it would allow states to waive some of the 10 essential health benefits that Obamacare mandated all health plans cover. 

The CBO found in May that about one-third of the US population lives in states that would most likely make "moderate changes" to regulations under the AHCA, and about one-sixth lives in states that would make more extensive changes.

While the CBO has yet to release its analysis of the BCRA, it's likely that number will be comparable.

Christine Eibner, a health economist for the Rand Corporation, told Business Insider in May that while there was uncertainty about how states would change regulations, it was reasonable to think state legislators would be under a lot of pressure to cut back on EHBs if other states are able to show that doing so brings down premiums. If that happens, substance-abuse treatment is viewed as the benefit "most at risk" to be cut, Eibner said.

You made it to New York City!

Summer internships in the Big Apple are really exciting—whether they're in finance, media, the arts, or any other industry. 

But you might also find yourself feeling a bit overwhelmed in the sea of 8.5 million people. 

Like, how are you supposed to work all day, feed yourself, do your laundry, and keep your apartment from turning into a complete disaster?

Business Insider is here to help. We've compiled a list of life hacks to get you through that summer internship.

Check them out.

Portia Crowe and Lucinda Shen contributed to an earlier version of this post.

First, buy a MetroCard

The New York City subway has 472 stations across 722 miles of track. This means you can get almost anywhere in the city for just $2.75. That's a steal compared to cabs, Uber, or Lyft. 

You can save even more with an unlimited MetroCard. These are especially useful if you'll be commuting to work every day. 

A 30-day unlimited is $121, so after 44 swipes the card will pay for itself. (For comparison, a normal month has around 20-22 work days, and don't forget weekends!)

And if you lose your card, don't worry. The MTA will reimburse you a prorated amount for however many days were left on the pass (roughly $4 a day).

Better yet, go on bike

There are 600 Citi Bike docks throughout the city—and the system is rapidly expanding to farther away neighborhoods.

A day pass is $12, offering unlimited half-hour rides for 24 hours, which isn't bad if you want to spend an afternoon riding along the river.

But to get your money's worth, shell out for a full-year pass and you'll get unlimited 45 minute rides for $14 a month. It's great for one-way trips or getting somewhere the subway doesn't go. 

Download all of the transit apps.

Google Maps is a good start, especially now that it has x-ray maps of the subway stations.

Add on City Mapper, and you're really in business. Just save your home, work and any other important address and you'll have subway, bus, biking, walking or riding directions just a tap away. 

If you're really feeling charitable, Transit uses the location of other riders to tell you when the next train is coming—a miraculous feat given the how old the technology running the entire subway system is. But you have to share data in order to get data. 

As a final addition to your arsenal, try Exit Strategy, it'll tell you where to go, as well as where you should stand on a platform so you can be closest to the exit at your destination. It's worth the $4. 

Despite all this planning on your part, you'll also want to bookmark The Weekender and the MTA's twitter feed to keep up with delays and service changes. Sigh. 

Salaries continue to soar in Major League Baseball as 36 players will make at least $20 million in total earnings this season, up from 21 players just three years ago.

This year's group of highest-paid players includes ten starting pitchers, six outfielders, four first basemen, a pair of designated hitters, and just one reliever.

The New York Yankees lead the way with four players on the list, followed by the Detroit Tigers with three. Six other teams have a pair of players on the list.

Salaries and contract information via spotrac.com and BaseballProspectus.com.

t24. Jayson Werth — $21.0 million

Team: Washington Nationals

Position: Outfielder

2016 WAR: 1.1 Wins

Contract: 7 years, $126.0 million (contract expires after this season)

One thing to know: Werth recently said he wanted to play another five years — until he is 43 — although it was unclear if he was joking. Werth also said that he and the Nationals have not discussed a new contract but noted "there’s always a possibility."

t24. James Shields — $21.0 million

Team: Chicago White Sox

Position: Starting pitcher

2016 WAR: -0.9 Wins

Contract: 4 years, $75.0 million (through 2018 with $16.0 million team option for the 2019 season)

One thing to know: Shields was traded by the Padres to the White Sox with $57.8 million remaining on his contract. The Padres will pay $30.8 million of that, including $11.0 million this season.

t24. Aroldis Chapman — $21.0 million

Team: New York Yankees

Position: Relief pitcher

2016 WAR: 2.7 Wins

Contract: 5 years, $86.0 million (through 2021)

One thing to know: Chapman can opt out of the contract after the 2019 season and can reject any trade through the 2019 season.