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Inside the New York City offices of $45 billion hedge-fund firm Two Sigma

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Two Sigma offices

What do you picture when you imagine a hedge-fund office? A noisy trading floor full of hedge-fund guys in fleece vests?

Two Sigma, a $45 billion hedge-fund firm that uses advanced technologies to find investment opportunities, is a little different. The firm, which says it has seen head count grow by more than 400% in the past seven years, is as much a technology company as it is a finance company, analyzing over 10,000 data sources to find patterns in markets.

That approach seems to have paid off. Two Sigma ranked as the fifth-biggest hedge fund in the world in Institutional Investor's Alpha's 2017 Hedge Fund 100 list, while cofounders David Siegel and John Overdeck each made $750 million last year, according to the magazine's list of the top-earning hedge-fund managers. The firm also runs an insurance business, Two Sigma Insurance Quantified, a market-making arm called Two Sigma Securities, and a venture-capital arm.

In August, Business Insider took a tour of the firm's two New York offices, which are across the road from each other in the SoHo neighborhood. The offices are stashed with arcade games, computing memorabilia, gyms, a hacker space, and a music room.

SEE ALSO: These before-and-after photos show tech billionaires' dramatic transformations

There was a teach-in on Python for Research when we visited 101 Avenue of the Americas, one of three talks the firm hosts weekly.



The kitchen was well stocked.

You may be able to see a Juicero machine on the left side. Two Sigma Ventures, the venture arm of Two Sigma, is an investor in Juicero, which recently announced a price cut and layoffs.



Across the road at 100 Avenue of the Americas, there's another kitchen, with staff taking time out to play games.



See the rest of the story at Business Insider

11 highly successful people who went to public universities

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Ivy League schools, with their extensive rosters of famous alums, are typically lauded as bastions of success.

As it turns out, public colleges and universities can boast a similar claim.

Business Insider compiled a list of the most successful people who received an undergraduate degree from a public school.

From one of the richest people in the world to a former vice president, some of the most successful people in the US chose to attend public universities for their college degree.

SEE ALSO: 13 of the most beautiful college campuses in America

Rex Tillerson — University of Texas at Austin

Secretary of State Rex Tillerson received a degree in civil engineering from the University of Texas at Austin in 1975.



Maxine Waters — California State University, Los Angeles

Rep. Maxine Waters of California graduated from California State University, Los Angeles in 1970 with a degree in sociology.



Jon Stewart — College of William & Mary

The comedian and television host attended the College of William & Mary located in Williamsburg, Virginia, and graduated in 1984 with a psychology degree.



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14 real recruiters share their favorite job interview questions

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Don't get me wrong, yes, you're a special candidate who deserves unique consideration for a job.

However, the truth is that recruiters and hiring managers have favorite questions they love to ask candidates.

There are a handful of questions that are in their arsenals and come out every time they are on the phone with a candidate like yourself. Don't take it personally. Instead, get prepared.

We spoke to a group of recruiters and talent acquisition pros who dished on the questions they love to ask all candidates. Take note of what these staffers at Glassdoor's 2017 Best Places to Interview will ask in your next one-on-one

SEE ALSO: 6 anecdotes you should rehearse before your next job interview

1. 'Tell me about a time when you were a champion for change or a change agent?'

"Our organization is ever-evolving, so our most successful employees are those who can adapt to change and anticipate trends. With that, my favorite question to ask is, tell me about a time when you were a champion for change or a change agent?"–Stephanie W., HR Projects and Operations Manager at Baylor Scott & White



2. 'Why are you memorable?'

"What is the one thing that you want me to remember about you?"Recruiters at Academy Sports + Outdoors



3. 'Tell me about a project you're proud of.'

"Tell us about projects you're proud of in a way that gets beyond the short little verbs on your résumé. How did you work through the project? What was the outcome for your team? Your process? The organization?"Recruiters at Gap Inc.



See the rest of the story at Business Insider

5 hacks an interior decorator says will make your small apartment seem a lot bigger

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The Insider Picks team writes about stuff we think you'll like. Business Insider has affiliate partnerships, so we get a share of the revenue from your purchase.

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Many of us are working with less space in our homes and apartments than we wish we had, and far fewer of us have access to interior designers on retainer to make the most out of what room we do have.

Larger spaces create a feeling of ease, flexibility, and orderliness while anything that feels too cramped can seem suffocating and stuffy — two things that don’t make it appealing as the epicenter for the majority of your down time.

Most of us know there are some rules about "creating" more space and have an (apparently pretty incorrect) assumption that smaller furniture will trick the mind into believing our cramped studio is never-ending.

Especially when working with the confines of New York City, you start to appreciate the tricks that optimize your space. And while the majority of us find our own shortcuts eventually, the shortest distance between two points is a straight line. Relying on your own intuition and spatial awareness when parallel parking is still a struggle, and certainly isn't the most direct way to maximize your home, wasting your time and money in a living space less comfortable than it should be.

So we asked Kate Lester of Kate Lester Interiors to help us out with some expert advice. Below are her life hacks for creating the illusion of a larger space within the smaller one you're working with: 

DON'T MISS: The 10 best purchases I've made to save space in my small apartment

1. Create the illusion of more windows and extra light with mirrors.

Mirrors are a simple way of reflecting light and tricking the eye into thinking there are more windows in a space. Even better when the mirror is hung adjacent to a window and reflects the outdoor scenery!

Budget-friendly pick: Umbra Mira Wall Mirror, $80

Luxury pick: Pottery Barn Iris Mirror, $399 



2. Buy larger nightstands.

The biggest misconception about small spaces is that people think they should contain small furniture. The best way to make a small bedroom feel larger is to anchor the bed with two wide nightstands. Three drawer chests are a great solution because they also offer extra clothes storage, which comes at a premium in a small apartment.

Budget-friendly pick: Hives and Honey Vintage Night Stand, $299.99

Luxury pick: Gabby Home Terrance Chest, $1,248



3. Hang window coverings close to the ceiling.

Drapes and woven shades are a great way to add softness to small space, but they can also make your room bigger! (Sort of.) By mounting them at the ceiling like we did here, it gives the illusion that the windows are taller and immediately draws your eye up. Viola! Instant height and openness.

Budget-friendly pick: Chicology Deluxe Free-Stop Cordless Roller Shade, $49.99 - $129.99

Luxury pick: Special Order Bali Roller Shades, $220 -$476



See the rest of the story at Business Insider

23 things you should always have in your home in case of an emergency

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Hurrican Irma Puerto Rico Reuters

One of the most powerful Atlantic storms on record, Hurricane Irma tore through several Caribbean islands on Wednesday.

Now a Category 3 storm with 125-mile winds, Hurricane Irma is expected to hit South Florida by late Saturday or early Sunday. On Friday, Florida's governor Rick Scott said that all 20 million residents of the state should be "prepared to evacuate."

As this year's "super active" hurricane season rages on, it's not too late to start preparing for potentially disastrous weather.

According to the Federal Emergency Management Agency (FEMA) and Centers for Disease Control and Prevention (CDC), here's exactly what you need to have in your disaster kit in case of an emergency.

When assembling your disaster kit, keep your supplies safe and dry in airtight plastic bags. Make sure you replace items as they expire and update your kit every year.

You should also keep important documents such as insurance policies, IDs, and bank account records in a waterproof, portable container.

Source: FEMA



Store your disaster kit in an easy-to-carry container such as a lightweight duffel bag.

Source: FEMA



Your disaster kit must have basic necessities such as water. Pack one gallon of water per person per day for at least three days.

Source: FEMA



See the rest of the story at Business Insider

The 33 most daring dresses celebrities have ever worn

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Celebrities often push the boundaries of fashion on the red carpet, from wearing dresses designed like a swan's body to outfits made entirely from recycled bottles. But a bigger trend that began taking off in 2016 was the "naked" dress — gowns and outfits designed to show maximum skin while still keeping covered. 

Keep reading for a look at 33 of the most daring outfits celebrities have rocked.

At the MTV Video Music Awards in August 2017, Demi Lovato wore a completely sheer bodysuit tucked into harem-style pants.



Jennifer Lawrence wore a silver Atelier Versace dress covered in a cobweb-like design at the premiere of "mother!" in London on September 6, 2017.



Earlier that same week, Lawrence wore another sheer gown with an almost see-through top to the movie premiere at the Venice Film Festival.



See the rest of the story at Business Insider

11 celebrities who don't look old enough to be grandparents — but actually are

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Virtually nobody in Hollywood looks their actual age, with many celebrities appearing younger or even older than they really are.

Some celebrities hardly look old enough to have children, let alone grandchildren. And yet, many of them are in fact grandparents.

We've compiled a list of celebrities who were either very young when their kids gave them grandchildren — the list includes people who were in their 30s when they became grandparents — or simply look too young to be called grandma or grandpa.

Here are 11 celebrity grandparents you may not have known about.

Kid Rock became a grandfather at 43.

Kid Rock’s son Robert James Ritchie, Jr., had his first daughter in 2015, making the rockstar a grandfather. In 2016, the musician told Rolling Stone that he likes being a grandfather because "it keeps [his] redneck street cred in good standing."



Charlie Sheen was 47 when he became a grandfather.

The "Two and a Half Men" star became a grandfather in 2013 when his daughter Cassandra gave birth to a baby girl named Luna, according to the Daily Mail. Now, Sheen is 52 and his granddaughter is three. It’s unclear if he has more grandchildren.



Tina Knowles-Lawson was 50 when she became a grandmother.

Fashion designer, Tina Knowles-Lawson — who also happens to be Beyoncé's mom — looks much younger than her actual age, 63. 

She has four grandchildren. While her youngest daughter Solange Knowles, has a 12-year-old son Daniel Julez Smith, Jr., Beyoncé has three children — Blue Ivy Carter, 5, and three-month-old twins, Rumi Carter and Sir Carter— with her husband Jay-Z.

"Being a grandmother is the second best job in the world!" she told People in June 2017, saying that the first is "being a mom." She added that she loves to spoil her grandkids. "I buy them drum sets and noisy toys," she said. "I encourage them to ask for everything, so I’m getting my kids back."



See the rest of the story at Business Insider

Flamingos in the shelter: how the animals in a Florida zoo are preparing for Hurricane Irma

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It isn't just humans who will need to weather the storm when Hurricane Irma makes its expected landfall in Florida today.

Zoo Miami is keeping its 3,000 animals — from flamingos to cheetahs — pretty much put as it prepares for the coming storm.

The zoo is moving some of its more delicate animals, like birds, into reinforced shelters within its grounds. But for the most part, animals like tigers and gorillas will stay in their normal nighttime shelters. The shelters are strong enough to contain an irritated tiger so, the logic goes, they'll be good enough to protect the animals from the hurricane.

The zoo has argued that moving the bigger animals could stress them out so much it might kill them, according to USA Today.

Here are Zoo Miami's animals preparing for the storm:

Flamingos are surprisingly hardy for delicate-looking birds — they survive in inhospitable climates like the Bolivian Andes — but they wouldn't do well in a hurricane.



Here are Zoo Miami's flamingos, protected in a special shelter.



It's an upgrade on the facilities Miami's flamingos had in 1998, when Hurricane Georges forced them to hide out in the men's room.



See the rest of the story at Business Insider

Apple is about to reveal its $5 billion campus to the public — here's what you need to know (AAPL)

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Apple will unveil its new iPhones next week, but the biggest reveal may be the company's new headquarters. 

Located in Cupertino, California, just down the freeway from its previous headquarters, the new building, dubbed Apple Park, is a single ring about a mile in circumference. It's set in a large campus that also features a massive fitness center and is landscaped with numerous plants and fruit trees.

Apple plans to generally restrict access to the campus to its employees. But next week, members of the press will visit the grounds to see CEO Tim Cook and company reveal the latest iPhones in the Steve Jobs Theater, Apple's new on-campus auditorium.

Tim Cook Apple Campus 2

Apple Park, which has been compared to a UFO and the Pentagon, contains more than 2.8 million square feet of office space, can accommodate some 12,000 employees and has a workspace that's been carefully overseen by Jony Ive, Apple's chief design officer.

Jobs, Apple's cofounder and former CEO, once said that the spaceship-like structure was Apple's "shot at building the best office building in the world." And after about $5 billion in costs, Apple's ready to show off its new campus to the public. 

Here's a look at how Apple Park was built: 

SEE ALSO: Apple's $5 billion campus opens next month — here's what it looks like now

Here's how Apple Park and the surrounding campus looked in March 2017.



This is an architect's rendering of the finished building that was made public in 2013.



This is the Steve Jobs Theater.

The auditorium seats 1,000 people. The actual stage is four stories underground.



See the rest of the story at Business Insider

I’d recommend these almost-perfect $150 Bluetooth headphones to everyone I know

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Several friends have been asking me what Bluetooth headphones they should get, especially those who buy phones with missing headphone jacks, and I always point towards the Marshall Major II Bluetooth headphones. 

I don't usually pay as much attention to a headphone's aesthetics, but I wouldn't be doing justice to Marshall if I didn't give it credit for the incredible attention to detail on its Major II Bluetooth headphones. 

I've been using the Marshall Major II Bluetooth for nearly a year now, and they're not the absolute best sounding headphones I've ever used, but they do sound very good – good enough that I'll keep using them until the company wants them back.

Check out the Marshall Major II Bluetooth headphones:

SEE ALSO: This strange-looking mouse is the most comfortable one I've ever used

I have a soft spot for classic retro designs, so the Major II Bluetooth headphones are right up my alley.

The Marshall Major II Bluetooth headphones don't look or feel cheap, and tip the scale towards the premium side. 

That's because Marshall has added a level of detail that I've rarely seen on a pair of headphones. The faux-leather inlay on the side of the headphone cups, for example, is soft rubber instead of the hard plastic that I have come to expect in less expensive headphones. 



It's also been almost a year since I've been using these headphones daily, and they're hardly showing any sign of wear at all.

The pads on the ear cups are supremely comfortable, and they look and feel as they did when I first took the Major II Bluetooth headphones out of the box almost a year ago.

Inside the ear cups covering the speaker itself is Marshall's signature stitching that you'll find on the front its guitar amps, which is a classy touch that only you would notice unless you went around showing it to everyone around you.

The plastic surrounding the ear cups' exterior feels solid, too.



There's subtle detail that's not trying to be flashy. For example, I just noticed this embossed Marshall logo on the headband when I started taking pictures for this review.



See the rest of the story at Business Insider

An inside look at the internship that pays you to travel the world and drink gin

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Gintern Jodhi

Johdi Dinsdale was scrolling through Facebook when she saw an ad that made her stop.

ILoveGin.com— a West London-based online gin and tonic club — was looking to hire a "gintern."

The part-time position would pay up to £20,000 and required the gintern to travel around the UK and Europe and visit one or two new gin companies every week.

Ginterns would work remotely, aside from a monthly visit to the office. Perks included free gin, naturally.

"After one or two gins, I applied," Dinsdale told Business Insider. "It looked like a perfect fit for me and my new hobby."

Dinsdale had previously trained to be a teacher and worked in education for seven years. During that time, she began blogging about gin with her sister. Dinsdale would review and photograph gin drinks and receive samples from distilleries. She even had begun hosting tasting parties for family and friends and gin nights in bars and other venues.

Meanwhile, more than 5,000 people ended up applying for the role of "gintern."

But, while the competition for the gig would prove to be stiffer than a shot of too-strong Bombay Sapphire, Dinsdale said she knew from the start that the opportunity would be a perfect fit.

Here's an inside look at Dinsdale's journey to getting her dream internship, and how she's faring in the role so far:

SEE ALSO: These sisters in their 30s used to be a lawyer and an economist — until they pivoted into fashion bloggers who reach millions

DON'T MISS: Here's what it looks like to work for Basecamp, a company that lets its 50 employees live and work anywhere they want

ILoveGin.com whittled down the 5,000 applicants by asking candidates to write about a gin and publish the review on social media. The 500 best reviewers made it to the next round, including Dinsdale.

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Dinsdale's task for round two was to shoot a video telling the ILoveGin.com team why she'd be great for the role. "Being filmed was the worst thing for me," she said.

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"Luckily, I have a distillery on my doorstep and have links with them because of my blog, so they let me film there," Dinsdale said. "It was still a daunting experience though."

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See the rest of the story at Business Insider

7 must-know money lessons you should have learned in school — but probably didn't

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Imagine if what you know now, you knew way back in high school. How much better off would you be?

When I was in high school, I didn't learn anything about money, budgeting, or investing.

While I'm a financial planner now, I didn't learn most financial basics until my junior year of college.

What's crazy is, I did take a financial basics course at one point. Unfortunately, it wasn't even remotely helpful.

The course took place during my senior year of high school, and they called it "home economics." While I can't tell you a thing I learned during that class, I can tell you what I didn't learn.

I didn't learn about investing, credit scores, calculating interest on debt, or the magic of compounding interest.

While I want to believe more money skills are being taught in schools than what I experienced back in the day (er, not too long ago), what I'm hearing from parents is that not much has changed.

While some schools offer a home economics class or something similar, they're still failing to impart a basic financial education that I believe is necessary for a successful, financial stable life outside school.

Here's a look at some of the essentials I wish I would have learned in high school and I think should be taught today:

SEE ALSO: After almost 10 years as a financial planner, I've found the best way to keep track of my money is still a simple spreadsheet

DON'T MISS: 5 things to do now so you don't have to think about money

1. How credit cards and interest rates work

Since you can normally get your own credit card at around 18 years old, it seems like common sense to teach high school students about the intricacies of credit. As a financial advisor, I've seen far too many young people run up huge credit card balances early when they don't have a good understanding of how credit works.

Heck, I was once one of them! By the time I was in my early twenties, I had $20,000 in credit card debt. Fortunately, I learned more about credit as I aged and worked diligently to become a financial advisor.

If we taught high school students a few basic lessons about credit cards and interest rates, we could potentially save many students from a lifetime of financial stress. Credit can be a useful tool when you're paying it back every month. However, interest on credit can work against you when you carry a heavy balance.

The credit lessons we teach don't need to be overly complex, either. At the very least, young people need to understand that

a) you have to pay back every dollar you charge

b) credit card interest accrues daily when you carry a balance and

c) your interest rate can play a huge role in your monthly bill if you aren't paying your charges completely off each month.

Lastly, high school students should understand that it's not a good idea to use credit to buy things they can't afford. Instead, they should save for what they want, and aim to use credit only when it serves their interests.

Young adults can use credit wisely to meet goals and build up a healthy credit profile, but it's key to ensure that when you use credit that you can pay it back. Understanding responsible use of credit, from the moment a teen gets their first credit card, can go a long way to building a solid financial future.

They should also know how to reduce and consolidate debt in the event they do get behind on credit card payments and need to lower their interest rate or monthly bill. With a debt consolidation loan from a personal loan lender, for example, young people can potentially save money on interest and pay down debt faster.

While it's smarter to avoid debt in the first place, young people should be educated on the many tools they can use to rebound if they fall behind with their bills.

 



2. How to balance a checkbook

While the days of writing checks for most bills are clearly over, young people still should learn how to balance a checkbook. Even if they stick to debit and credit, they could really benefit from learning how to manage their cash flow and outflow to avoid overdraft fees.

I learned this the hard way when I bounced three checks when I was 19 years-old. Ouch! It was the first time I was introduced to "overdraft charges" and it wasn't pleasant.

A lesson on online bill pay services might also help students who lean on technology to manage their money. And yes, students still need to learn check-writing basics such as how to fill checks out – at least for now. Sometimes people still need to write a check, believe it or not.



3. Budgeting basics

Budgeting is one of the most important skills anyone can learn, yet you'll barely hear a peep about it while you're in school. Unfortunately, not learning about budgeting can leave you at a disadvantage once you graduate high school and move out on your own.

At the very least, I think high school students should learn how to plan a lifestyle that actually jives with the income they earn. That may include knowing how to plan for – and pay – bills like rent, utilities, insurance, and car payments, while making sure there is money left for groceries, savings, etc.

Here's the thing: I actually hate budgeting. I know it's necessary, but I don't like tracking every penny we spend.

What we do instead is what I like to call "tactical budgeting"– as in, we sit down to create a financial plan any time a major life event is coming our way. This type of budgeting doesn't require you to watch every penny, but it can help you achieve your goals and spend less over time.

Bottom line: it's important for young people to know how to create a financial plan for what they want.



See the rest of the story at Business Insider

My favorite place to eat in Manhattan is a Cambodian sandwich shop that's poised to expand — here's what it's like to eat there

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Starting a business is tough — even more so in New York City. But Cambodian sandwich shop Num Pang has managed to thrive and expand beyond. 

The restaurant, started in 2009 by college friends Ratha Chaupoly and Ben Daitz, makes expertly crafted and outrageously delicious banh-mi sandwiches. It has consistently topped several "best of" lists, including Zagat's 2017 NYC Fast-Casual Survey.

And while this may not be the typical fast-casual joint — modifications are not allowed here — the chain has taken off with a loyal clientele. A new location that opened at the Prudential Center in Boston earlier this year could prove fertile testing grounds for further expansion.

It's no secret I'm a huge fan of Num Pang, and the frequency of my lunches there would be embarrassing if it weren't so delicious. I decided to head over to one and show why this sandwich chain is drawing some major attention, and why it could become a force in fast-casual dining in cities nationwide.

SEE ALSO: I may have discovered the best hot dog in America — but it wasn't where I expected

DON'T MISS: We visited the 'McDonald's of the Philippines,' which serves spaghetti and fried chicken alongside its burgers — here's what it's like

I headed to Num Pang's NoMad location at 1129 Broadway, which is dangerously close to our offices. Such proximity is a gift and a curse.



It's typically pretty busy, and I headed in in the prime lunchtime hours. The space is no-frills and small, but comfortable, with some wild graffiti art on some of the walls.



Despite the crowd, the line moved shockingly fast. It's a good thing I know the menu so well, or I would've been stumped when I got to the register. They offer a selection of regular sandwiches plus a bunch of seasonal specials, along with soups, salads, and both noodle and rice bowls.



See the rest of the story at Business Insider

Everything we're expecting Apple to launch on September 12 (AAPL)

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It's official: Apple's going to launch new stuff on September 12.

Business Insider will be covering everything Apple announces live as it happens from Cupertino, California. 

It's safe to say this is one of Apple's most important launches in years. The most valuable company in the world is expected to introduce several new products, including a flagship iPhone that Wall Street hopes will spur a "supercycle" of sales.

But the iPhone isn't the only new product Apple is likely to reveal. Here's what we're expecting Apple to unveil next month:

SEE ALSO: Here's what Apple could be planning after the iPhone 8

Most analysts are expecting three new iPhone models.



One model, called iPhone X, is said to be redesigned with an OLED screen that covers nearly the entire front, eliminating the home button. It could sport wireless charging and a faster chip, too.

More iPhone rumors »



This new design was seemingly confirmed by an image in code accidentally released by Apple.



See the rest of the story at Business Insider

The NFL world made some amazing predictions in 1979 for what the game would look like in 21st century

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The NFL, which is entering its 98th season, is clearly a different league now than it was 30 years ago.

In 1979, Sports Illustrated's Frank Deford asked people around the NFL what the league might look like in 2000, from the rules to the personnel to the atmosphere. Looking back on those predictions is pretty eye-opening.

While some of the predictions look accurate today (growing fears of safety and more specialized positions) others look pretty funny (metals "flecks" in the football to see if it crossed the goal line).

We went back through the predictions and found a mix of guesses that were surprisingly on target and some that were wildly off the mark.

"In the year 2000, there won't be any contact below the waist."— Bum Phillips, head coach of the Houston Oilers in 1979.



Not quite, Bum. The league has gone the other way in an attempt to protect players' heads. However, some receivers still prefer players go high rather than low to protect their legs.

Read more: 2 of the NFL's top receivers say they'd prefer defenders tackle them in a way that should terrify the league »



"The 25-yard end zone is the single greatest thing that could change the game. The whole concept of goal-line defenses would change with that."— Marv Levy, then the head coach of the Kansas City Chiefs.



See the rest of the story at Business Insider

Lush is discontinuing 29 products — here are the only ones worth buying, according to a former Lush employee

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The INSIDER Summary: 

  • Lush Cosmetics recently announced they're discontinuing 29 products to make room for new items.
  • All of the products will remain in stores and online while supplies last. After that they'll be gone for good.
  • The must-buys include fan-favorites like the Frozen Bath Bomb and Turkish Delight Shower Smoothie.

Lush shops are typically tiny spaces filled to the brim with products. Unfortunately, this lack of space means that Lush frequently has to discontinue products to make room for new ones.  

Lush recently announced that they are discontinuing a staggering 29 products. To be completely honest, a lot of these choices make total sense, but some of them are classics that will be sorely missed.  

These 29 products will be making their way out by the end of 2017, so you have a limited amount of time to get your hands on what's left. We recommend calling your local shop before stopping by since stock is so limited.

If the thought of missing out on these goodies is too much for your Lushie heart to handle, here are the 10 best discontinued Lush products you should run out and buy before they're gone for good.   

Frozen Bath Bomb

This grapefruit and neroli scented Bath Bomb produces the prettiest water Lush Bath Bombs have to offer. The shimmering blue water creates a mesmerizing ripple effect that almost makes it look like Elsa's dress from the Disney movie it's named after.



Guardian of the Forest Bath Bomb

With its grassy, earthy scent of cypress and oakmoss, this one won't be everyone's cup of tea. But the neon green and yellow water is gorgeous and it's a nice change of pace from a lot of the the sweet and fruity Bath Bombs Lush offers. Hopefully Lush has another outdoorsy scent up their sleeve to fill the void this one will leave.



Fizzbanger

A Lush legend is finally saying goodbye. Fizzbanger has a spicy apple and cinnamon scent that makes it perfect to stock up on for the fall. This Bath Bomb has a strange but fun addition of popping candy so it crackles in the tub like fireworks. It may look like a boring yellow color at first, but it has a gorgeous blue layer inside that turns the water a stunning shade of turquoise. 



See the rest of the story at Business Insider

The best value plays in your DraftKings lineup for Week 1 of the NFL season

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On Sunday football fans will be treated to what they've been waiting for since January — a full slate of football games.

With almost every team in the league active (stay safe Miami and Tampa), we're getting a whole slew of games at 1 p.m. that will require multiple screens or a quick trigger finger from Scott Hanson on RedZone, followed by great games to finish the day and even a double-header on Monday night.

With the return of football comes the return of fantasy sports, and while traditional players have already drafted, many players are still toiling with their DraftKings and daily fantasy options, looking to find the perfect combination of players to get them into the money.

Budgeting can get tight fast in daily fantasy — it's tough to leave Le'Veon Bell out of your lineup when you're SURE he's going to run all over the Browns. With this in mind, below are some potential value plays for Week 1 daily fantasy players. Picking these guys up aren't a sure thing, but they'll do well enough to get you some points, and save you some dollars so you can spend more money on studs.

QB: Carson Wentz, $5,300

There are better quarterback options out there for Week 1 than Carson Wentz, but at just $5,300, he's an affordable option if you're looking to allocate your digital capital elsewhere. With new offensive weapons Alshon Jeffrey and Torrey Smith, if you believe in the Eagles this season, this game has the potential to be something of a coming out party.



RB: Christian McCaffrey, $5,400

Christian McCaffrey is anchoring the Panthers running attack and is likely only priced this low because it's his first game. On Thursday night we saw just what rookie running backs are capable of when Kareem Hunt ran all over the Patriots. Against the 49ers defense, McCaffrey and the Panthers have a chance to run up the score and prove that they belong back in the conversation for best in the league.



RB: Isaiah Crowell, $5,400

Isaiah Crowell isn't Le'Veon Bell, but he is the best offensive weapon the Browns have in their game against the Steelers. With rookie quarterback Deshone Kizer under center, expect Crowell to get a good amount of touches as Cleveland helps its rookie settle in.



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The 30 highest-paid players in the NFL

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Matthew Stafford

On the eve of the regular season there was talk of the New England Patriots going 19-0, and there is still talk of the New York Jets tanking, Kirk Cousins in unprecedented territory with his contract, and Harry Kane pondering a future in American football.

The NFL is back!

In the NFL, the standard for large contracts is to forgo long-term security in exchange for huge signing bonuses up front. As a result, many of the players who will earn the most money this year signed new contracts since the end of the 2016 season.

The players who will make the most money this year include ten quarterbacks, four cornerbacks, and no Mannings. 

Here are the 30 players who will make at least $16.7 million this season.

30. Trumaine Johnson — $16,742,400

Team: Los Angeles Rams

Position: Cornerback

2016 earnings breakdown: $16,742,400 million salary

One thing to know: Johnson, a third-round pick in 2012, is in his sixth NFL season and his second straight season under the NFL's franchise tag. The Rams will need to work out a long-term deal with Johnson soon or they risk losing him for nothing. They could use the franchise tag again in 2018, but it would come with a salary of $24.1 million.



29. Corey Davis — $17,073,864

Team: Tennessee Titans

Position: Wide Receiver

2016 earnings breakdown: $465,000 salary, $16.6 million signing bonus

One thing to know: Davis is the first of five rookies on this year's list. The fifth pick in the draft received 65% of his four-year, $25.4 million contract before he ever played a down in the NFL.



28. Riley Reiff — $17,300,000

Team: Minnesota Vikings

Position: Left Tackle

2016 earnings breakdown: $6.2 million salary, $11.0 million signing bonus, and $100,000 in other bonuses.

One thing to know: Reiff signed with the Vikings this offseason after five years with the Detroit Lions. Reiff is part of a $90 million overhaul of the Vikings' offensive tackles. In addition to his $59 million contract, the Vikings also gave a $30 million contract to Mike Remmers to be the right tackle.



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The definitive guide to the state of Wall Street, business by business

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Wall street traders panic

Business is up on Wall Street, but not nearly enough to start popping bottles. 

Investment banking revenues at the top-12 banks hit $82 billion during the first half of 2017, according to data from industry consultant Coalition. 

That's a 4% increase from last year, but still a yawning gap from the performance of 2012 to 2015, when first-half sales never dipped below $91.5 billion.

And while first-half performance so far is beating 2016, that's mostly thanks to a strong first quarter. Second-quarter revenues were ugly, coming in at $39.5 billion, or 5% less than the year prior. 

The data includes revenues for: Bank of America Merrill Lynch, Barclays, BNP Paribas, Citigroup, Credit Suisse, Deutsche Bank, Goldman Sachs, HSBC, JPMorgan, Morgan Stanley, Societe Generale, and UBS. 

Here's the full breakdown: 

Wall Street revenues so far have eclipsed the torpid pace set in 2016, thanks to a 19% gain on the investment banking side. Equities performance lagged though.



The second-quarter, however, saw a 5% dip from 2016 thanks to a steep drop off in fixed income revenue.



Overall, fixed income revenues were up slightly in the first half, hitting $38.5 billion. The division had been on a steady decline since 2012. Commodities hit $1.3 billion, the lowest level since 2006 thanks to continued struggles in energy and natural gas.



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Goldman Sachs asked its interns about their spending habits, social-media apps, and dreams — here are their answers (GS)

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Wall Street Money Never Sleeps Shia

Internship season has wrapped up on Wall Street, and young financiers have headed back to school with all the new skills and knowledge they picked up over the summer.

Of course, banks can also learn a thing or two from the young people they hire for a summer.

Goldman Sachs on Thursday released the firm's second annual survey of its global summer intern class. Sixty-nine percent of the firm's 2,500 summer analysts responded to the survey, according to a spokeswoman with the firm. They hail from across the Americas, Asia, Europe, the Middle East, and Africa and are typically 20 or 21 years old and about to begin their senior year of college.

The firm picked their brains on everything from how they keep up with the news to how they manage their spending habits to their favorite social-media apps.

You can see the responses below:

SEE ALSO: Here are 8 of the most bizarre cryptocurrencies on the market

They're betting that artificial intelligence and machine learning will have a big impact in the next decade.



They're already saving for the future.



They're perhaps surprisingly responsible with their money, with two-thirds saying they would save or invest an extra $1,000.



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