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21 lottery winners who blew it all

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lottery

The Powerball lottery has reached a staggering jackpot of $700 million ahead of Wednesday's drawing.

The prize is the second-largest in history, behind only the $1.6 billion won by three entrants in January 2016.

While buying a ticket may seem tempting, the numbers suggest that it almost certainly isn't worth it.

But even if it does pan out, winning the lottery will not solve all of life's problems.

In fact, many people's lives became notably worse after they hit the jackpot, as you can see from the following cautionary tales.

Pamela Engel, Mandi Woodruff, and Michael B. Kelley contributed to this report.

SEE ALSO: We did the math to see if it's worth it to buy a ticket for the Powerball jackpot

Lara and Roger Griffiths bought their dream home … and then life fell apart.

Before they won a $2.76 million lottery jackpot in 2005, Lara and Roger Griffiths of England hardly ever argued.

Then they won and bought a million-dollar barn-converted house and a Porsche, not to mention luxurious trips to Dubai, Monaco, and New York City.

Their fortune ended in 2010 when a freak fire gutted their house, which was underinsured, forcing them to shell out for repairs and seven months of temporary accommodations.

Shortly after, Roger drove away in the Porsche after Lara confronted him over emails suggesting that he was interested in another woman — the end of their 14-year marriage.



Bud Post lost $16.2 million within a nightmarish year — his own brother put out a hit on him.

William "Bud" Post won $16.2 million in the Pennsylvania lottery in 1988 but was $1 million in debt within a year.

"I wish it never happened," Post said. "It was totally a nightmare."

A former girlfriend successfully sued him for a third of his winnings and his brother was arrested for hiring a hit man to kill him in the hopes he'd inherit a share of the winnings.

After sinking money into various family businesses, Post sank into debt and spent time in jail for firing a gun over the head of a bill collector.

"I was much happier when I was broke," he said, according to The Washington Post.

Bud lived quietly on $450 a month and food stamps until his death in 2006.



Martyn and Kay Tott won a $5 million jackpot, but lost the ticket.

Martyn Tott, 33, and his 24-year-old wife from the UK missed out on a $5 million lottery fortune after losing their ticket.

A seven-week investigation by Camelot Group, the company that runs the UK's national lottery, convinced officials their claim to the winning ticket was legitimate. But since there is a 30-day time limit on reporting lost tickets, the company was not required to pay up, and the jackpot became the largest unclaimed amount since the lottery began in 1994.

"Thinking you're going to have all that money is really liberating. Having it taken away has the opposite effect," Kay Tott told The Daily Mail. "It drains the life from you and puts a terrible strain on your marriage. It was the cruelest torture imaginable."



See the rest of the story at Business Insider

'We will build a real Russian mecca': See the bizarre photos of Putin posing at music festivals and hanging with bikers during his controversial visit to Crimea

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Putin

As Russian President Vladimir Putin recently had a chance to observe, Crimea is lovely in the summertime.

Over the weekend, Putin and Russian Prime Minister Dmitry Medvedev went on what they called a "working trip" to Crimea, a Ukrainian peninsula that Russia annexed in 2014.

The visit, which the Ukrainian government protested, was one more way to cement Russia's presence in the region.

Along with stepping onstage at a jazz festival and lighting candles in churches, Putin posed for photos with young Crimean supporters.

These bizarre photos captured by the AP show just how the visit went:

SEE ALSO: Crimea goes dark after Russian shutdown leaves the peninsula without power

DON'T MISS: Kremlin releases photos of Vladimir Putin's vacation in Siberia

On August 18, Putin and Medvedev arrived in Sevastopol, a Crimean city and long-time strategic military base, for a visit that lasted several days.

Source: RadioFreeEurope



Many saw the visit as a strategic effort to show the Crimean people that Russia has their back.

Source: RadioFreeEurope



"We need to build a real Russian mecca here," Putin said while visiting the ancient Crimean town of Hersones.

Source: Lenta



See the rest of the story at Business Insider

27 celebrities who are way younger than you think

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Kylie Jenner

It sometimes feels like celebrities have been in Hollywood for so long that it's easy to forget how young they actually are. 

Kylie Jenner, the youngest of the Jenner clan, isn't old enough to legally drink in the United States and neither is two-time Grammy award winner Lorde or "Spider-Man: Homecoming" star Zendaya. 

Here are 27 celebrities that are way younger than you think. 

Lorde may already have two Grammys and two albums under her belt, but the young artist is only 20.

Though a hilarious online theory by journalist Ashley Feinberg posits that the singer is actually closer to 40 years old. 

Source: Grammy's



Kylie Jenner is the CEO of her own cosmetics line and is only 20-year-old.

She also has her own spinoff reality show and her own swag brand The Kylie Shop.



Former Disney Channel star Bella Thorne was spotted getting close to the 34-year-old Scott Disick. Though she maintains that they were never dating, she is only 19.

Source: People



See the rest of the story at Business Insider

15 of the hardest interview questions you have to answer to become a flight attendant

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Flight attendant job candidates interview China

It's been said that it's harder to get invited to the Delta flight-attendant training center than to get into Harvard University.

"It's very competitive, and people get passed over all the time," Annette Long, a flight attendant with 14 years of experience, previously told Business Insider about the flight attendant hiring process.

If a candidate has a compelling enough résumé, they may face a variety of interview techniques including video interviews, Q&A sessions, and in-person meetings.

Long says that many flight attendants apply and interview several times before getting the job, having to wait six months to a year between interviews because job openings are so scarce.

"When you make that first impression, you've gotta do it perfectly — you don't get a second chance," she says.

Here are some of the toughest questions flight-attendant candidates have faced along the way, according to anonymous candidates on Glassdoor:

SEE ALSO: 9 things you need to do if you want to become a flight attendant

DON'T MISS: Airline workers share their 22 best tips for making travel less painful

'You have one seat left on a flight, and you have five passengers waiting on standby: A military man in uniform, a pregnant woman, a woman and her infant child, an elite customer who is a frequent flyer of Northwest Airlines, and a gentleman trying to go and see his ill sister. Who will be the one to get the empty seat on the flight, and why?' — Northwest Airlines (now Delta Air Lines) flight attendant candidate



'You are mid-flight and the pilot asks you to preform a task which you are not authorized to preform. How would you handle the situation?' — Air Wisconsin Airlines flight attendant candidate



'Create a PA announcement for a couple celebrating their 50th year anniversary' — Delta Air Lines flight attendant candidate



See the rest of the story at Business Insider

I live in New York City on a $90,000 salary — here's what I spend in a week

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Woman on Laptop at Cafe

The INSIDER Summary:

  • A woman who is a social media manager for an apparel company lives in New York City and makes $90,000.
  • She and her boyfriend live together and each pay $1,288 in rent.
  • She spends most of her money on food, alcohol, and transportation.


Welcome to 
Money Diaries, where we're tackling what might be the last taboo facing modern working women: money. We're asking millennials how they spend their hard-earned money during a seven-day period — and we're tracking every last dollar.

Today: a social media manager who makes $90,000 per year, and spends some of her money this week on a matcha latte and an embroidery pattern.

Occupation: Social Media Manager

Industry: Apparel

Age: 26

Location: New York, NY

Salary: $90,000

Paycheck (2x/month): $2,200

Monthly Expenses

Housing: $1,288 for my share of the rent in an apartment I live in with my boyfriend. The full cost is $2,575 (utilities included).

All Other Monthly Expenses

Digit: $3/month. The app automatically takes money out of your checking account, and puts it into a secure account in the app. Basically, if I don't see the money, I won't spend it.

DealRay: $10/month. The service alerts you to the best flight deals. I really should delete it though, because with my full-time job, I'm rarely (never) able to take advantage.

Internet: $50/month

Credit Card: $1,300. I put everything on my credit card (gotta get them points!) and usually pay off the bill in its entirety every month. The total is usually $1,300 per month — sometime more, and sometimes less, depending on the month.

Transportation: $121 for a monthly MetroCard pass

Phone Bill: $40 for my portion. I'm still on a family plan with my mom and sisters (and my mom never forgets to Venmo me every month to pay!).

Prescriptions: $150. Right now, I am taking two medicines that my doctor prescribed. One of them is stupid expensive (about $125), but I will hopefully be off of it soon.

Day 1

8 a.m. — My periods are REALLY bad because of the medicine I'm taking (sorry, guys), so I call my boss and decide to work from my couch for the day. The loss of blood overnight makes me feel gross, and I skip breakfast; my boyfriend makes me coffee instead.

11:55 a.m. — I get hungry and am craving a croissant. I don't want to move much, so I run across the street and get the last plain croissant they have. I ask them to pop it in the microwave for five seconds, because if you thought regular croissants were good, you haven't tried one that's heated up. I run back home and eat it on my couch while checking email. $3

2 p.m. — Look through my mail pile and find a $10 coupon for alcohol delivery. I really don't drink much, but Aperol spritzes are my fave, and I figure I shouldn't let this coupon go to waste? Accidentally schedule the delivery for the next day instead of today, so I guess my at-home cocktails will have to wait. Still excited, though! $25.32

7 p.m. — After basically not moving except to use the bathroom all day, I take a nap and feel a million times better. I decide to go for a walk with my boyfriend. We just moved a month ago, so the neighborhood is still new. We run into a friend on the street who invites us along for a drink at a bar he is going to. There's a happy hour margarita special for $5. My boyfriend buys this round because I bought our rounds over the weekend.

8 p.m. — Need to get a few things for the apartment, and because the BF got my margarita, I get the random stuff we need from the corner bodega: soda water, cranberry juice, sponges, and paper towels. $21

Daily total: $49.32



Day 2

9:30 a.m. — Feel a lot better today and get breakfast at work. I buy a small iced coffee and an apple because I have a jar of peanut butter at my desk. My office has a partially subsidized cafeteria, so I usually buy breakfast and lunch at work. (Bad habit.) I also buy a coffee almost every day because my office doesn't have a coffee maker. $3.75

11 a.m. — I buy a mattress cover that I really should have purchased months ago. The one I pick has a high rating and costs a little more money, but it's on Prime and I don't have to pay for shipping! $27.95

12:30 p.m. — I brought lunch to work for once, although I practically bit my boyfriend's head off last night when he started to finish the chicken and Brussels sprouts we made for dinner. He didn't eat it, so I was able to bring it with me!

7 p.m. — It's such a nice day out and work is pretty slow. I convince my boyfriend to hop on the train from Brooklyn and meet me at the office so that we can walk across the Brooklyn Bridge together! We don't go out that much, but we're trying to be summery while the weather in NYC is still nice. We find a happy hour oyster place in DUMBO. I'm so hungry after my measly apple and chicken today, and I order fries and happy hour mac and cheese. Worth it. $45.20

7:30 p.m. — Almost done with our three-mile walk home, and I really need to go to Duane Reade to stock up on pads and tampons. This period is killer, and it doesn't look like it's ending anytime soon. Why are these things so expensive?! $14.78

Daily Total: $91.68



Day 3

9:30 a.m. — Coffee and an apple again. My peanut butter is almost gone; I'll need to stock up soon. My work coffee card is at the ninth punch! Only one more to go until I can get a free, fancy drink. Should I just buy two coffees today to speed this up...? Probably not. $3.85

11 a.m. — Pay off my monthly credit card bill, and that's not even all of it. It's unusual, but I have an outstanding balance this month — $900 — because of the move last month. I could pay it off, but I don't want to right now. I will get to it in two weeks when I'll pay off half; then I'll pay off the rest in another month.

1 p.m. — Lunch time! Usually cafeteria lunches are $7 or $8. This time, I get cucumber, hummus, and popcorn. I'm still not feeling like myself and I'm not that hungry. Plus, I found my boss's stash of "don't be hangry" raw mixed nuts, and I ate a bunch not too long ago. It was surprisingly filling but also bland. I need my roasted, salted nuts, please. $4.75

3 p.m. — My coworker and I were asked to do a really weird work project, so we're meeting outside the office to talk about it. The nearby café has "pastry happy hour," which means pastries are half-off after 3 p.m. We get there in time, and I get a chocolate croissant and an iced espresso. I put a ton of milk in my espresso and get yelled at by the barista because, technically, I just made my own latte without paying for it. I knew that's what I was doing — but I think $5 for a cup of milk and one shot of espresso is insane. I didn't want that much milk anyway. I make a mental promise to not do it again — and to stop being so miserly. $4.90

5 p.m. — The internet bill is $64.55, but I sort of split it with my boyfriend and end up paying $50 this month. I Venmo him the rest before I go home. This move has really messed up my internet billing. I have a feeling I'm missing a bill somewhere, but I will deal with it later. I really hope I don't get a late fee...

7 p.m. — My sister is in town, and my dad gave her $50 for food, so we get tacos, plantains, and a margarita to share. She's not 21, and her fake ID is actually mine from years ago, so we can't go anywhere to get a drink together. It's so nice out and it's really great spending time with her. After dinner, we sit on the couch and watch Hairspray. She's leaving in the morning, so I say goodbye and go to sleep.

Daily Total: $13.50



See the rest of the story at Business Insider

14 extreme restaurants every adventurer should visit in their lifetime

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PROMO_extreme

The INSIDER Summary:

  • INSIDER rounded up 14 extreme restaurants around the world that are either dangerous, isolated, thrilling, or a combination of all three.
  • Ithaa in the Maldives is a restaurant 16 feet below the ocean.
  • Thrihnukagigur Volcano in Iceland allows customers to have a private dinner inside a volcano. 


Thrill-seeking travelers should not forget that adventure can be found during a sit-down dinner just as much as it can be found trekking through a jungle.

From eating food that was cooked atop a volcano to dining inside a volcano, and from restaurants carved out of ice to eateries carved into a mountain, these 14 heart-stopping culinary adventures take dining to the next level. 

SEE ALSO: The 50 best restaurants in America

Dinner in the Sky, various locations — Dine atop a crane hundreds of feet in the air

Dinner in the Sky is an event series that began in Belgium but has been featured in 45 countries across the world. Customers sit down to a gourmet dinner catered by guest chefs as they're hoisted hundreds of feet in the air by a crane and strapped in with a seatbelt. You can look into hosting an event yourself here. 



SnowCastle, Kemi, Finland — A hotel and restaurant made entirely from ice and snow

Built entirely from scratch every year, SnowCastle is open to guests every January through early April. Its on-site SnowRestaurant is the world's largest ice restaurant and can seat 200 guests. You can dine on soup, reindeer, and lamb inside this breathtaking ice cave where guests are encouraged to dress warmly. 



Huashan Teahouse, China — the world's most isolated teahouse

Perched more than 7,000 feet above sea level atop the most remote peak of China's Hua Mountains is a teahouse that supposedly serves some of the best tea in China. However, unless you're an experienced hiker, you should not attempt to climb the “Heavenly Stairs" that have been carved into the side of the mountain leading up to the teahouse.

While potentially deadly for inexperienced hikers, should you make it there after all,  you will be rewarded with a traditional tea ceremony served inside an ancient Taoist temple.



See the rest of the story at Business Insider

Malia Obama just moved into her dorm room at Harvard — here's a look back at her life

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Malia Obama

Malia Obama just moved into her dorm room at Harvard University.

The former president's daughter had been taking a "gap year" before classes start this fall. 

Malia was most recently shown dancing to The Killers at Lollapalooza festival in Chicago this weekend, in footage obtained by TMZ.

Here's a look at her life so far:

 

 

SEE ALSO: Pictures just leaked of Sasha Obama's Sweet 16 — here's a look back at her life

Malia Obama was 10 when Obama took office.



She spent her teens growing up in the White House.



With her younger sister, Sasha.



See the rest of the story at Business Insider

Steve Mnuchin's actress wife Louise Linton bashed a woman on Instagram for paying less tax than her — here's everything we know about her life

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Vittorio Zunino Celotto GettyImages 492314015

Louise Linton, wife of US Treasury Secretary Steve Mnuchin, was in the spotlight well before her involvement with Washington insiders.

An actress and model from Edinburgh, Scotland, Linton married Mnuchin in an extravagant ceremony in June. She most recently made headlines with an Instagram photo that shows Linton and Mnuchin stepping off a government jet, adding the caption: "Great #daytrip to #Kentucky!" She tagged several high-end designers, including Tom Ford and Valentino, in the post. The resulting comments were less than charitable; Linton then bashed one commenter for being "adorably out of touch" and made her Instagram account private.

But the jet photo and ensuing comments were not the first time Linton sparked a controversy. Below, see more about her life.

SEE ALSO: Oligarch Roman Abramovich just split with his wife of 10 years — here's how it could be the most expensive divorce ever

Linton was born in Edinburgh, Scotland, and spent weekends in the Melville Castle Dalkeith. In an interview with the Daily Record in 2015, Linton said of the property: "The castle is definitely haunted and many people have claimed to see a ghost."

Source: Daily Record



Linton began acting professionally in 2006. Prior to that, she made a TV appearance in 2003 on VH1's short-lived reality show "Hopelessly Rich."

Source: The Wrap



She's made appearances in "CSI: NY" and "Cold Case." More recently, she starred in movies like 2016's "Intruder."

Source: IMDB



See the rest of the story at Business Insider

12 of the most famous celebrities headed to college this fall

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karlie kloss

Among the millions of students in college this semester, there are a few faces who will be familiar for everyone. 

Hidden among the masses are these 12 celebrities who prove that you're never too famous (or too old!) to be a college student.

Some celebrities are born famous, and some have to get there on their own. In any case, the current group of celebrity students are an accomplished bunch already, and could probably skip getting undergraduate degrees if they wanted to. Nonetheless, they're prioritizing a formal education in their lives.

From former Victoria's Secret Angel Karlie Kloss to Olympic swimmer Katie Ledecky, here are some of the most famous students who are going to be in college this fall semester.

Malia Obama is starting Harvard University after taking a gap year.

Former first daughter Malia Obama took a year off after graduating from high school in 2016. During her gap year, Malia Obama reportedly went on group trips traveling to Bolivia and Peru and had a stint interning for The Weinstein Company. Later this August, she'll head to Harvard University where she'll join the class of 2021.

Barack and Michelle Obama both attended Harvard Law School, but neither attended as undergraduate students. And as the daughter of a former president, Malia will have a Secret Service detail with her on campus.

 



She'll be accompanied by "Black-ish" star Yara Shahidi.

Shahidi will also be attending Harvard University this fall, majoring in African-American studies and sociology. As part of her application, she submitted a recommendation letter from Michelle Obama, who worked with her on International Day of the Girl. (Another recommendation letter came from her calculus teacher. Impressive!)

Like Malia Obama, Shahidi deferred from college for a year after graduating high school. She told Seventeen earlier this year that she was accepted to every school she applied to.



Model Karlie Kloss retired her Angel wings to take classes at NYU.

In 2015, the Taylor Swift squad member and former Victoria's Secret model made headlines for her decision to retire her wings and enroll in classes at NYU's Gallatin School of Individualized Study.

The then-23-year-old assured fans that she would still be working full-time when she started classes in the fall. One student interviewed by NYU's student newspaper in 2016 said, "Karlie was an active participater and didn't miss a lot of classes, and I admire her for that."

Kloss also launched a summer camp and scholarship venture that's called Kode with Klossy to introduce young girls to one of her passions: coding.



See the rest of the story at Business Insider

These 11 iOS and Android apps will help you make the most out of London

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London Skyline

London is one of the greatest cities in the world, and the only one — alongside New York — that has the status of "Alpha++" Global City, according to the Globalization and World Cities Research Network (GaWC).

That means that the city offers a great number of things to do: From places to visit, things to eat, markets to explore, events and concerts to attend, to pop-ups that may disappear before you even know they are there.

We put together a list of 11 useful apps that will help you better navigate the British capital, and make the most out of it every day of the year.

1. Dojo — An all-round great app to discover events, restaurants, and shops to enjoy London

Dojo is an all-encompassing app that's great both for locals as well as visitors and tourists. It offers a wide range of options to look through for whatever it is you may be fancying: Something to eat, a rooftop to enjoy a view, a nearby shop, exhibition or market — Dojo has it all.

The categories the app divides activities into are oddly specific; you will find "restaurants" and "markets," but also more intriguing and specific ones like "cheap eats,""rooftop drinking," and "beer gardens," in addition to the ever-useful "around me" and "new openings."

The reason Dojo stands out is twofold. For one, everything is handpicked by the Londoners who run the app. There is a 1-to-10 ranking scale for things like restaurants and cafes, but you can generally rest assured that the places highlighted are all good.

Then there's the fact that Dojo is updated constantly; it evolves with the city, the seasons, and the events, so the app always offers timely recommendations that make good use of where you are and what is happening around you.

Free — iOS (link), Android (link)



2. REVL — Find events in London and compare ticket prices

Dojo always offers a good choice of events, but REVL is a fully fledged app dedicated to just that.

REVL offers a much broader selection, as well as a series of features that can come in really handy when you actually want to attend an event rather than simply browse to see what's up.

When you first open the app, it will ask you to activate notifications (that prompt you when something you may be interested in is happening in your area) and then select from the so-called "PLAYlists."

PLAYlists are categories of things you may be interested in: Think music festivals, sports, talks, comedy, or art and culture. All of these also have sub-categories, which may further expand to narrow your selection.

You might find "Restaurants" under "Food & Drink," for instance, and then dig deeper to find "Mediterranean Restaurants." The app also makes use of a Calendar and a News tab to keep all your interests organized, and even offers ticket price comparisons when there is a choice.

Free — iOS (link), Android (link)



3. Citymapper — Move around London in the shortest amount of time

Citymapper is your best public transport companion app. That means that if you're just looking for a maps app to orientate and look for things around you, you better stick with Google Maps.

However, if you want to actually move from point A to point B, there's no better alternative. Citymapper is easy to use and straight to the point: It asks for a place where you want to go, and offers a range of alternatives on how to get there.

Every possible transport method is there: London's tube, buses, Overground, trains, even bikes and the ferry, all mapped out in the app's main page.

Citymapper's main strength is accuracy: Its estimated time of arrivals (ETA) are often scarily precise down to the minute, as all of London's transport services are fully integrated within the app. You can also share your ETA to let your friends know how long it will take for you to arrive.

In addition to that, things like telling you which section of the underground train to take (back, middle or front in accordance with the station's exit position) or letting you set places like "Home" and "Work" to make your commute easier (this will trigger a timely notification in accordance with your pre-set times) make it reliable and useful.

There is also a handy Uber integration that will show you both an ETA as well as an estimate for the fare, and a direct link to the app to hail a ride.

Free — iOS (link), Android (link)



See the rest of the story at Business Insider

UBS: Here are the 10 most crowded bets in the stock market right now

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India Commuters Train Crowded

UBS released its monthly list of which stocks are the most crowded trades in the stock market right now.

As a stock's price climbs higher, investors clamor to gain a piece of the action. But this mob mentality can be disastrous when the prices eventually turn negative once again.

The bank calculated which stocks were overcrowded by comparing institutional ownership data from FactSet and aggregate positions of global active managers against the relative equity benchmark to form what it calls the “active weight.”

This months list spans from new tech stars like Alibaba, to the usual suspects like Alphabet and Microsoft, and even to insurance.

Here’s UBS’ list of the most overcrowded stocks in the market as of August 21:

 

10. Medtronic

Ticker:MDT

Investor Weight: 0.4%

Active Weight: 0.1%

WoW Change: Flat

Source: FactSet, MSCI, UBS Quantitative Research 



9. Comcast Corp.

Ticker:CMCSA

Investor Weight: 0.6%

Active Weight: 0.1%

WoW Change: Flat

Source: FactSet, MSCI, UBS Quantitative Research



8. Alphabet Inc. Class C

Ticker:GOOG

Investor Weight: 0.8%

Active Weight: 0.1%

WoW Change: Flat

Source: FactSet, MSCI, UBS Quantitative Research



See the rest of the story at Business Insider

REVIEW: The Essential Phone is a superb smartphone

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bi_graphics_review_phone essential

After testing the Essential Phone for the last week, I can confirm my initial impression: It's a superb device.

In fact, I could easily see myself buying a Phone for my next smartphone.

The Phone is the first product from Essential, a startup founded and led by Andy Rubin, the "Father of Android." Its price, design, operating system, and camera all make it first rate. 

But that doesn't mean it's perfect. As might be expected for the first gadget from a brand-new company, the Phone has a few kinks that need to be ironed out. Among its big shortcomings: It lacks a headphone jack. 

Check out my thoughts about the Essential Phone:

SEE ALSO: The Essential Phone made by the 'Father of Android' confirms what I've said all along – the best Android is stock Android

The Essential Phone is the most beautiful smartphone on the market.

The Phone's square edges, ceramic back and titanium frame give it a premium feel. Its design makes the Phone heavier and less comfortable to hold than Apple's iPhone 7 or Samsung's Galaxy S8. But it also makes the device more substantial. Picking up the Phone is an occasion. The iPhone 7 and the Galaxy S8, by contrast, feel like mere objects that are just doing their jobs.

The Phone feels like the beautiful expensive watch or piece of jewelry you reserve for fancy dress-up events, but that you avoid wearing on a daily basis for fear of damage or loss.

But in actuality, the Phone is designed to be used every day. It doesn't cost more than other premium phones, and it retains its beauty with regular use.

I've been treating the Phone the same way I treat my iPhone, but there's no sign of scratches on its ceramic back or screen. It's only been a week, but so far, Essential's claims about the scratch resistance of the Phone's ceramic back appear valid. You just have to wipe the fingerprints off its glossy surface from time to time. 

 



Some thoughts on the "notch."

The Phone's front camera is located in a "notch" at the top of its screen. Although it's noticeable, the notch didn't bother me at all.

However, many apps haven't been designed to work around the feature. Those apps can't display content in the screen space on either side of the notch.essential phone

Some apps simply fill in that screen space with their overall color theme. Other apps turn the screen space on either side of the notch black. That makes it look like the Phone has a much larger top bezel than it actually has, which is unfortunate.

Essential told me that it's encouraging top developers to redesign their apps to make use of the screen space on either side of the notch. So your favorite apps may eventually be updated to support it.



Compared to the Phone, the Galaxy S8's ultra-slim bezels look big.

Somehow, despite the border at the bottom of its screen, the Phone makes the Galaxy S8 look like an older smartphone with traditionally sized bezels. And it makes the bezels on the iPhone look positively huge and the iPhone's design ancient.

The Phone has a gorgeous 5.71-inch IPS display that offers inky blacks and colors that pop. The display is sharper and far superior to that on the iPhone 7, and its performance nears that of Samsung's best-in-class AMOLED display on the S8. 

The S8's display still bests the Phone's, because it's slightly sharper and produces deeper blacks. That's due to its screen technology; parts of an AMOLED display will actually turn off when displaying dark scenes. 



See the rest of the story at Business Insider

Inside 'El Gordo,' the world's largest lottery that's routinely worth billions

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el gordo lottery

Wednesday's Powerball drawing will be worth a staggering $700 million, the second-biggest jackpot in US history.

That's still less than half the record jackpot set in 2016 of $1.5 billion.

But in order to earn the title of "largest in the world," the latest Powerball would have to defeat a 204-year-old lottery called El Gordo, the Spanish Christmas Lottery that has taken place every year since 1812 and is routinely worth billions.

In 2012, for example, El Gordo's prize pool was a gigantic $3.3 billion.

While that giant prize pool may get split among thousands of winners — in other words, there is no one mega-jackpot — the drawing's three-hour ceremony, held strictly at 9:00 a.m. and followed by torrents of wine, is a sacred part of Spanish culture.

SEE ALSO: Here's Mark Cuban's advice for whoever wins the $1.4 billion Powerball lottery

Unbelievably, the very first El Gordo ceremony was held five days before Spain ratified its Constitution in 1812. It has continued every year since then, even through the country's civil war in the early 20th century.



The ceremony proceeds largely the same way, with two children pulling balls from two giant hoppers. One hopper has the winning numbers; the other has the dollar amount.



During the three-hour ceremony, the entire country is hoping their five-digit ticket will match with the top prize: the El Gordo ball. In 2015, that ball alone was worth $700 million, which was split between roughly 1,600 people in the the southern coastal town of Roquetas de Mar.



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The 20 best chain restaurants in America

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Americans love chain restaurants. 

From Cracker Barrel to P.F. Chang's, there's little that brings the nation together like a love for the restaurants that span the US. At the same time, not much is more divisive than the question of what chain comes out on top.

To answer the question once and for all, Business Insider teamed up with Restaurant Business, a food-service industry expert and media outlet, to compile a ranking of the best sit-down restaurant chains in the US. Using proprietary data collected by Restaurant Business and its sister research firm Technomic, we looked at 90 of the largest sit-down US chains and rated them on three criteria: financial performance as demonstrated by sales, customer satisfaction, and overall value. 

Our calculations accounted for sales growth, average sales at each location, consumer-sentiment ratings, and the average cost of a meal, along with other metrics. 

The results revealed the dominance of some American classics, such as Cracker Barrel and Olive Garden. However, there are also some lesser-known upstarts, like Abuelo's and First Watch, that are taking on industry giants and quickly establishing themselves as some of the best chains in the country. 

Here are the top 20 best chain restaurants in the US. 

Emmie Martin, Tanza Loudenback, and Kaitlyn Yarborough contributed reporting to an earlier version of this article.

SEE ALSO: 'Psychologically scarred' millennials are killing countless industries from napkins to Applebee's — here are the businesses they like the least

20. Red Robin Gourmet Burgers & Brews

Headquarters: Greenwood Village, Colorado

US sales: $1.48 billion

Number of US locations: 533

Financial performance rank: 13 

Value rank: 22

Customer satisfaction rank: 22

Fans of the chain swear by burgers such as the Smoke & Pepper, the Black & Bleu, and the Madlove Burger (a Black Angus patty topped with four types of cheese, jalapeño relish, candied bacon, avocado, tomato, onion, and lettuce).

Red Robin launched a rebranding effort in 2012, updating decor, revamping restaurant layouts, and doubling down on its bar business. In January, Brian Vaccaro of financial services firm Raymond James said the company is "undervalued," and that key hires could bring the chain to new heights in 2017. 



19. P.F. Chang's China Bistro

Headquarters: Scottsdale, Arizona

US sales: $892 million

Number of US locations: 216

Financial performance rank: 19

Value rank: 42

Customer satisfaction rank: 18

P.F. Chang's debuted in the early 1990s as a partnership between Philip Chiang, owner of the staple Los Angeles Chinese restaurant Mandarette, and Paul Fleming, an Arizona restaurateur and avid Mandarette fan.

The chain is known for its lettuce wraps and dim sum. Its entire menu is made-to-order and utilizes fresh ingredients. 



18. Joe's Crab Shack

Headquarters: Houston, Texas

US sales: $370 million

Number of US locations: 113

Financial performance rank: 32

Value rank: 9

Customer satisfaction rank: 7

Joe's Crab Shack is struggling — but loyal customers still love the chain. 

In August, the mid-bankruptcy chain closed 41 restaurants without warning. Executives plan to shrink the chain from 113 locations to roughly 60, Nation's Restaurant News reported.

Despite this, Joe's Crab Shack still landed in the top 10 in terms of value and customer satisfaction. 



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34 movies you have to see this fall — including 'Justice League,' 'It,' and 'Blade Runner 2049'

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After a summer movie season that saw some hit movies but a lot of duds, Hollywood is looking for a rebound in the fall.

The fall season will have its share of blockbusters — from the anticipated “It” to "Thor: Ragnarok" and “Justice League” — but there will also be some titles mixed in that will compete for award season attention, like “Call Me By Your Name” and “Stronger.”

Here are 34 movies coming out this fall that you shouldn’t miss:

SEE ALSO: Every "Game of Thrones" romantic relationship, ranked from worst to best

"It" - September 8

The latest adaptation of Stephen King's classic novel looks to be the most chilling yet. In it, a group of bullied kids team up to take on a monster named Pennywise (that looks like a clown) that hunts kids.



"First They Killed My Father" - September 15

Netflix's next anticipated movie from a marquee name is Angelina Jolie's latest directing effort that looks back on the horrific upbringing in Cambodia of Loung Ung. Jolie cast hundreds of survivors and their children to recreate their stories. 



"mother!" - September 15

Darren Aronofsky's latest thriller stars Jennifer Lawrence and Javier Bardem as a couple whose lives are suddenly interrupted when guests arrive at their home. Aronofsky has always had a knack for completely messing with audience's heads, and this one looks to be no different. The movie also stars Ed Harris and Michelle Pfeiffer. 



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I used to work at Lush — here are the secrets I never told customers

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The INSIDER Summary: 

  • Lush Cosmetics is filled with tons of innovative products — which can be a bit overwhelming.
  • You'll get more uses out of Bubble Bars than Bath Bombs, and they're a better value.
  • Staff favorites, such as Volcano foot scrub and Charity Pot lotion, are the hidden gems of the store.  

Whether it's your first time or hundredth time walking into Lush, it can be a completely overwhelming experience. From shower jellies to shampoo bars, nothing quite make sense at first. 

For the uninitiated, Lush is a UK-based cosmetics company dedicated to using fresh, natural, and ethically sourced ingredients to create innovative yet effective products.  This innovation can be anything from packaging-free hair care to solid, travel-friendly toothpaste. 

I spent almost three years working for Lush Cosmetics as a sales ambassador and learned some helpful hacks to make the experience a little less overwhelming for both newbies and Lush veterans (aka Lushies.) Find out which products are overrated, how to save money shopping, and how to score freebies. 

Bubble Bars are easier on your wallet than Bath Bombs

Bath Bombs are more popular than Bubble Bars. Bath Bombs look prettier and will probably get you more likes on Instagram, but once the novelty wears off, Bubble Bars will start to look a little more appealing to your wallet.

One Bath Bomb typically runs between $7-9 for a one-time use. Meanwhile, the same priced Bubble Bar will get you 2-3 more baths. I tend to look at Bath Bombs as a fun treat every once in a while, but Bubble Bars make more sense as a regular purchase. 

It's not quite as aesthetically pleasing as watching a rainbow of colors swirl around your tub for a few minutes, but your wallet will thank you later.



Fun is one of the best values in the whole store

Fun is one of the hardest products to sell to adults because a tube of play-doh soap seems a bit silly. What they don't know is that these playful 4-in-1 soaps are secretly the best value in the whole store. You can use them as either soap, shampoo, bubble bars, or simply play with them like molding clay.

Their best value is definitely when it's used as a Bubble Bar. You can get at least 6 great baths out of a tube for the price of one Bath Bomb. I personally love to use them as soap, as their concentrated formula helps the scent last on your skin all day. Just keep it dry and only pull off what you need for each shower or bath to make it last as long as possible.



Gift sets are a great way to try out higher-priced items

There's no way around it; many of Lush's best products are pretty expensive.  Products like Ro's Argan Body Conditioner ($35.95 for an 7.9 oz tub) and Gorgeous Facial Moisturizer ($87.95 for 1.5 oz) are a bit of an investment. It's completely understandable to not want to plop down that much money for a product you've never tried before — and this is where gift sets become your new best friend.  

Many of the gift sets include smaller sizes of these higher-priced items that are not sold separately.  It's a great way to try a range of products without investing too much in one single item.  The best example is the Hello Gorgeous gift set.  For $42.95, you get generous trial sizes of both Ro's Argan and Gorgeous, along with a Bubble Bar, shower cream, body scrub, and Bath Bomb.



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WHERE ARE THEY NOW? The players NBA teams are kicking themselves for drafting before Isaiah Thomas in 2011

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The 2011 NBA Draft has proven to be one of the deepest classes in recent memory.

The draft was so deep that 29 teams missed one of the best prospects — Isaiah Thomas.

The Kings took Thomas with the very last pick, No. 60, completely unaware that the diminutive 5-foot-9 guard from Washington would become this generation's Allen Iverson — a spunky, athletic, crafty scorer defenses can't stop.

After stops in Sacramento and Phoenix, Thomas became the star of the Celtics, helping them win the No. 1 seed in the East in 2017. Now, he's been used as the centerpiece for a trade with the first overall pick of the 2011 draft, Kyrie Irving, in a blockbuster deal between the Celtics and Cavaliers.

Here are some of the players drafted before Thomas that NBA teams are probably kicking themselves over today.

Some picks still look good today. The Cavaliers took Kyrie Irving with the No. 1 pick.



Irving's stint with the Cavs was a prosperous one, and he will forever cherished in Cleveland for sealing the 2016 championship with the game-winning three-pointer. But after he grew tired of playing second fiddle to LeBron, he requested a trade and was moved to Boston, with the Cavs getting Thomas and other assets in return.



The Cavaliers also drafted Tristan Thompson with the fourth pick.



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Here's your first look at the new Samsung Galaxy Note 8

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After that embarrassing misstep last year, Samsung resurrected its Galaxy Note line Wednesday with the new Galaxy Note 8.

In many ways, the Galaxy Note 8 is an incremental improvement over the Galaxy S8, which launched in April. The Note 8 has a slightly larger screen, a boost in RAM, the S Pen stylus, a dual-lens camera system, and some software tricks unique to the larger form factor.

It's a phone for those who want the best performance and features from Samsung, and Samsung promises it won't suffer the same fate as the fire-prone Galaxy Note 7.

The Note 8, which starts at $960, will be available to preorder on Thursday. It'll be in stores on September 15.

Here's everything you need to know about the Note 8:

SEE ALSO: Smartwatches are going nowhere

The Note 8 has a new dual-lens camera system, just like the iPhone 7 Plus.

The cameras appear to be an improvement over the iPhone. Both lenses have optical image stabilization, which reduces blur caused by movement. The dual lenses also let you use 2x optical zoom and 10x digital zoom. Both cameras shoot at 12 megapixels.



The dual lenses take two photos at once, which allows you to take portrait-style photos with blurred backgrounds, an effect called bokeh.

You can even adjust the blur effect after you take the photo.



The Note's S Pen is back. It lets you draw on the screen or take notes.



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12 of the most beautiful schools of the future

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FPT University Ho Chi Minh City by Vo Trong Nghia Architects

The shortlist for this year's World Architecture Festival, set to take place in Berlin, Germany this November, includes a slew of future projects still in development.

Some of those projects include schools and university buildings that could redefine how students learn.

In Vietnam, plants will soon grow on the exterior of FPT University, while in Kuwait the interior of Kuwait University will resemble a game of Tetris.

Though they don't exist quite yet, they're just a couple of the most beautiful schools of the future.

SEE ALSO: 16 of the most beautiful schools in the world

Aga Khan Academy has three locations up and running around the world with over a dozen more in development, including one in Dhaka, Bangladesh.

Architect: Feilden Clegg Bradley Studios, SHATOTTO Architects



The school caters to students 6-18 years old and features breezy walkways set around a main athletic field.

Architect: Feilden Clegg Bradley Studios, SHATOTTO Architects



In London, the Arts Educational Schools (often known as ArtsEd) hosts performing arts students studying theater and dance.

Architect: De Matos Ryan



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New York City's famed Plaza Hotel is once again looking for a buyer — here's why it's so legendary

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New York City's Plaza Hotel has been one of the world's most iconic accommodations since its opening in 1907. At the corner of Fifth Avenue and Central Park South, its location is only one factor contributing to the hotel's rise as a premiere destination for celebrities, writers, and leaders.

Some of history's wildest parties and most memorable events have taken place inside, and today it remains as opulent as ever. 

According to the Wall Street Journal, the hotel's owners have recently taken steps to sell the iconic property, hiring a broker to market it to foreign buyers. The Plaza has had numerous owners over the years, including Conrad Hilton and Donald Trump. Indian conglomerate Sahara Group has been the majority owner since 2012. 

The hotel could be worth as much as $560 million, the WSJ reported.

We've put together a collection of photos that showcase how the hotel became so legendary, as well as what guests can expect to find at the breathtaking space today.

Talia Avakian contributed reporting to an earlier version of this article.

SEE ALSO: A retail CEO is selling his enormous Beverly Hills 'palace' for $80 million — take a look inside

The Plaza Hotel was the dream of financier Bernhard Beinecke, hotelier Fred Sterry, and Harry S. Black. The three purchased a 15-year-old hotel of the same name on the site — the original Plaza that ran from 1890 to around 1905 — and replaced it with the hotel we know today.



It officially opened its doors to the public October 1, 1907, and quickly caught attention thanks to its location at Fifth Avenue and Central Park South, one of New York's most fashionable residential areas at the time.



Construction of the 19-story hotel took two years and cost $12 million, an unprecedented sum in those days.



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