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Photos of Chinese micro-apartments reveal the terrifying scope of a housing crisis

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chinese apartment

China's population is exploding: Government data predict some 3.4 billion people will occupy the country by 2030.

All those people will need somewhere to live.

Over the past several years, Chinese developers have coped with a shortage of affordable housing by downsizing many units to a couple hundred square feet at maximum.

In these micro-apartments, a cramped lifestyle becomes the norm. People have just enough room to sleep and eat. And without a viable income to buy more space, some people live out their remaining years there.

Here's what life is like on the inside.

SEE ALSO: 28 crazy pictures of micro-apartments around the world

Micro-apartments have become a booming business for developers. They can divide an entire building into hundreds of units knowing there is no shortage of demand for cheap housing.



The country's largest developer, China Vanke, often showcases its line of micro-apartments at the Pearl River Delta Real Estate Fair, in the city of Guangzhou.



As in all tiny apartments, efficient storage keeps the room from feeling too constricting.



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These are the 3 skills that every manager should have, according to a Silicon Valley psychologist

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tech workers office meeting happy

  • BetterUp is a startup that provides executive coaching for tech employees in Silicon Valley.
  • We asked them to crunch user data and find the three skills that mid-level managers work on the most with their coaches.
  • Successful managers set goals for their team and communicate them clearly, build a culture of trust, and adopt a "growth mindset."

 

When a worker bee gets promoted to manager, they may learn that the technical skills they mastered as an employee won't carry them as far in a leadership role.

That's according to a startup called BetterUp, which provides coaching to employees of tech companies in Silicon Valley, including Facebook, Salesforce, and LinkedIn. Employees meet virtually with licensed therapists, psychologists, and coaches for on-the-clock counseling.

Founded in 2013, BetterUp works mostly with mid-level managers who show potential, according to their employers — though they could benefit from grooming.

"Unlike the C-suite executives who have been around the block," new managers have a chance to develop their soft skills without having to "unlearn" certain unhelpful behaviors, according to Dr. Jacinta Jiménez, a psychologist who heads up the coaching department at BetterUp.

We asked BetterUp to crunch the data and find the three skills that new managers worked on the most with their coaches. They were: goal-setting and team communications, building a culture of trust, and "growth mindset." Here's what that means.

SEE ALSO: Companies like Facebook and LinkedIn are paying for employees to get on-the-clock 'life coaching'

Set goals for your team and communicate that message clearly.

Most managers start out as high-performing employees. They may have been promoted because of their skill set. And their instinct may be to take on all the work themselves.

"It's a fast way for them to become overworked, and it's not good for anyone," Jiménez, who has worked with many tech workers in her coaching career, told Business Insider.

A manager who sets clear goals for their direct reports may find that the team feels more valued and motivated, because the manager has shown trust in their abilities. Goals that show an understanding of the employee's strengths and what inspires them may excite them even more.

Jiménez added that it's important for a manager to be consistent in their communication. 

"It's hard for the direct report to be motivated if you don't have clear directions," she said.



Build a culture where everyone feels like they can contribute.

The most successful managers create an environment where everyone feels like they can participate and do their best work.

"You're sitting in a meeting with your whole team and you don't feel like your manager is going to shut you down if you say something like, 'Hey, I have a really great idea,'" Jiménez said.

Amy Edmondson, whose research in leadership and management at Harvard Business School helped shape some of BetterUp's methodology, believes that a leader builds a culture of trust when they"find out what others know, what they bring to the table, and what they can add."

She recommends managers ask genuine questions and listen closely, show enthusiasm when a team meets its goals, and be interested in everyone's perspective no matter their place on the corporate ladder. When a leader models these behaviors, creativity and innovation thrive.



Embrace the F-word: failure.

New managers have a tendency to think about personal growth in shades of black and white.

""I'm either made for management or I'm not" is a fixed mindset, and it's going to set someone up for failure in a lot of ways," Jiménez said. "You start to try to prove it to yourself."

Jiménez says the key to success is stepping out of that fixed mindset and developing a "growth mindset"— the idea that we can grow our brain's capacity to learn and to solve problems.

It may sound wishy-washy, but this skill is based in research from psychologist Carol Dweck, whose work in the field of motivation has helped shape BetterUp's methodology.

Jiménez tells managers when the voice in their head jumps to a conclusion — like, "I should have been able to do that," or "I know what this person is thinking"— they should acknowledge the thought, take a mental note of it or log it in a journal, and move onto the next thought.

"We sometimes say, 'Embrace the F-word: failure!'" Jiménez said.



See the rest of the story at Business Insider

16 products celebrities swear by to handle their acne problems

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chrissy teigen

  • Celebrities share their best-kept skincare secrets for everything from large pores to adult acne.
  • Shakira sticks to baby-safe skincare for her glowing complexion while Chrissy Teigen swears by Biore Pore Strips

If we learned anything from Kendall Jenner’s epic response to her Golden Globes critics, it’s that nothing kills the mood of a photo op quite like problematic skin. Even with a regimen full of top-rated skincare products, we all still fall victim to an occasional blemish or two. Whether the culprit is crow’s feet, a breakout, dry patches, or dark circles, the best face-saving tips can often come from celebs. After all, with countless magazine covers, photo shoots, and the scrutiny of the not-always-so-adoring public to consider, there’s a reason that A-listers put so much effort into their complexions. Here are 16 solutions to skincare problems we learned from celebs.

Problem: Heavy-Duty Makeup

Katy Perry: When your beauty game is as strong as Perry’s — and we’re talking multiple makeup and outfit changes per performance — a thorough cleansing regimen is key for preventing breakouts. The pop star shared with Elle that for the past several years, Shu Uemura Cleansing Beauty Oil Premium ($39) has made all the difference in keeping her once-congested skin clear.



Problem: Adult Acne

Kate Bosworth: Byrdie revealed that Epicuren Herbal Cleanser ($57) is what keeps Bosworth’s acne-prone skin looking porcelain. The actress thanks the gel-like cleanser she’s used since high school for her camera-ready glow.



Problem: Large Pores

Kylie Jenner: Jenner treats her large pores — a hallmark of oily skin — using Kiehl’s Rare Earth Pore Refining Tonic ($21). The makeup maven includes the toner in her nightly regimen, according to Allure.



See the rest of the story at Business Insider

20 words that you're probably using incorrectly

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Wrong Way Sign

There are advanced words you can add to your vocabulary to make yourself sound smarter— just make sure that you're using them correctly.

While definitions have been known to shift based on the way a word is commonly used, some popular uses are just plain wrong.

Here are 20 words that are often misused, and what they actually mean according to Dictionary.com.

Irony

What people think it means: funny or unfortunate

What it actually means: the use of words to convey a meaning that is the opposite of its literal meaning



Travesty

What people think it means: a tragedy

What it actually means: a grotesque or debased likeness or imitation, a mockery



Bemused

What people think it means: amused 

What it actually means: bewildered or confused



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The best security cameras you can buy for your home

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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.

security cam 4x3

The Insider Pick:

  • Home security cameras can keep your home safe from thieves, but they also help you keep an eye on your kids and pets. After much testing and research, we found that the Logitech Circle 2 is the best camera for any job, thanks to its excellent image quality, cute design, and competitive price.

Home security is pretty important. If you’re not constantly home, there’s always the possibility that someone could be breaking into your home at any given moment. That problem is heightened if you travel a lot for more than a few days at a time. After all, you wouldn’t want to come home after a long trip to find half your stuff gone.

Thankfully, technology is here to save the day. There are a ton of great home security cameras out there, and every year, they seem to get better and better. You can also use them to watch your pets while you're at work, keep tabs on your kids when they're home alone, and monitor your baby in the crib.

Of course, before buying a security camera there are a lot of things to consider.

  • Resolution is key: First up, you’ll want to think about the camera’s resolution. At least a 720p resolution is pretty standard for home security cameras these days, but some now offer an even better resolution than that. Others are stuck in the past with a worse resolution, but there's no reason why you should even consider one of those. We recommend you go with 1080p if you can or 720p if you're on a budget.
  • Field of view: Next up, you’ll also want to consider the field-of-view, which is basically how far left and right the camera can see. The bigger the better in this case, because you'll see more of your space with one camera instead of having to buy extras.
  • Night vision: If you need to see your home at night while you're away, you'll want good night vision. Some cameras have better night vision than others.
  • App design: Many of these home security cameras connect to apps and use them for setup. It's important that the apps be easy to use and reliable. Stick to bigger companies to get better apps.
  • Cloud storage: These days, security cameras store their footage online, and many security camera companies offer a certain amount of free cloud storage along with their products. You’ll want to keep in mind how much cloud storage they offer, and whether or not that’s enough for your use — or if you want to pay more to store more footage.
  • Security and Privacy: Make sure that the camera you're buying has a strong privacy and security policies. This is footage of your home and your life — You don't want hackers to get their eyes on it. The companies in our list all offer strong security and privacy with solid encryption and secure cloud storage systems.
  • Strong internet is vital: It's important to note that you'll need a strong internet connection for any of these cameras because most of them run over your Wi-Fi. If you have poor signal, you may not be able to support a security camera in your house.

Last but not least, you’ll want to keep price in mind. Security cameras are getting increasingly affordable, but as is the case with almost anything, the more you pay, the better the quality.

We’ve tested nearly a dozen different home security cameras and researched a whole host of others to find the best ones you can buy for your every need.

Updated on 01/17/2018 by Malarie Gokey: Added the Logitech Circle 2 and the Amazon Cloud Cam. Removed two cameras that are no longer available.

Read on in the slides below to learn why the Logitech Circle 2 is our top pick and why you might prefer the affordable Amazon Cloud Cam, the outdoor-friendly Netgear Arlo Pro, the trusted Nest Indoor Security Cam, the attractive Canary Flex, and the door-mounted Skybell HD.

SEE ALSO: The best baby monitors you can buy

The best home security camera overall

Why you'll love it: The Logitech Circle 2 boasts excellent 1080p video, an easy-to-use app, two-way audio, many accessories, and a wireless version.

Logitech's Circle 2 is an excellent deal at $180. It offers many of the same features that high-end security cameras have for less, and it was the easiest to use and set up of all the home security cameras we tested.

As you might have guessed, it's an upgraded version of the original Circle camera, and it has a few improvements. The biggest one is that you can get it with either a standard AC adapter charger or a wireless version that runs on rechargeable batteries for up to three months on a charge.

Logitech also makes many accessories for the cameras, including a window mount, plug mount, rechargeable battery pack, and a weatherproof extension.

We recommend the wired option for most people because it's more reliable and you won't have to worry about recharging the batteries or buying extra accessories for it. However, if you do want to be wire-free and even use your camera outside, the wireless Circle 2 is an excellent buy that costs just $20 more.

Regardless of which one you choose, you can watch 1080p video live 24/7 and get Smart Alerts when motion is detected. The camera has a wider 180-degree view, so you can see more of your space in the shot. Logitech added improved night vision support, too, so you can see the feed in absolute darkness. There's no delay to the feed, either, so you can rest assured knowing that you're seeing a real live feed. 

Two-way audio lets you talk to your kids or pets while you're away or to scare away any potential thieves. In our testing, Logitech's camera was very easy to set up and use. The app is very straightforward, and we loved being able to talk to our cat when we were away from home.

The cute design also helps the camera blend in with any home's decor. It quickly became our favorite camera in the house, and we kept coming back to it even though we had several others up and running at the same time.

In the app, you can replay, download, or share recorded video for 24 hours from a private cloud account. You can buy additional Circle Safe subscription storage plans with Person Detection and Smart Zones, but you don't need them. The app also gives you a free 30-second time-lapse of your space during the last 24 hours, so you can get an overview of all activity. 

You don't have to leave it plugged in all the time, either, as it can last 12 hours on a charge. For $140, the Circle is a steal. Don't be scared off by the Amazon reviews — we've used this camera for more than a month without any problems or connection issues. Reviews are positive from Pocket-Lint and Digital Trends.

Pros: Affordable price, 1080p video, two-way audio, works without wires, free app, no delays, easy setup, cute design, wide field of view, great app, wireless option

Cons: You need a good internet speed, accessories add up

Buy the wired Logitech Circle 2 on Amazon for $179.99 

Buy the wireless Logitech Circle 2 on Amazon for $199.99



The best home security camera for $120

Why you'll love it: The Amazon Cloud Cam has a 1080p video stream, motion detection, and Alexa voice control for a mere $120.

If you don't want to spend $200 or more on a security camera, the Amazon Cloud Cam is an absolute steal for just $120. It does everything that other high-end cameras do for much less.

You get a clear 1080p video stream and night vision that are easily on par with every other security camera on our list. The 120-degree angle lens isn't as wide-angle as the Logitech Circle 2's lens, but it's perfectly adequate in most rooms.

The Cloud Cam has two-way audio, too, so you can talk to your kids or pets when you're away from home. In our tests, the Cloud Cam was very easy to setup and use. If you already have Amazon devices like the Echo and Fire TV, you can link your camera to those services and view security clips on your TV with a simple voice command.

The companion app will alert you whenever motion is detected, so you can see what caused it. For free, you can watch, download, and share all the motion alert video clips that your camera (or three cameras) captured during the past 24 hours. After 24 hours, those clips will be deleted.

For most people, the free for basic tier subscription will be just fine. However, if you want more features, Amazon wants you to pay for them, but that's common with security cameras. For $6.99 a month or $69.99 a year, you get access to clips over seven-day periods, person detection, and the ability to set up zones to reduce unnecessary alerts. 

Amazon also offers two more subscription tiers: 14-days worth of clips from five cameras or 30 days worth of clips from 10 cameras for $9.99 a month or $99.99 a year and $19.99 a month or $199.99 a year respectively.

Expert reviews are largely positive from Digital Trends, Engadget, Business Insider, Tom's Guide, and Wired (though Wired expresses some reservations over privacy concerns)

Pros: Affordable, 1080p video, two-way audio, Alexa voice control, works with Fire TV

Cons: Some privacy concerns, subscriptions up the price

Buy the Amazon Cloud Cam on Amazon for $119.99



The best home security camera for outdoors and indoors

Why you'll love it: The Netgear Arlo Pro offers excellent image quality, can be used both inside and outside, and provides two-way audio.

Netgear may be best known as an internet router and modem company, but it has branched out quite a bit in the past few years. Namely, it entered the home security space with a range of high-quality and easy-to-use security cameras like the Netgear Arlo Pro.

The current iteration of the Netgear Arlo Pro is actually a refresh of a camera launched back in 2015, and the new version brings a number of great features. For example, it offers two-way audio, which allows users to talk to anyone that may be in their house and have that person talk back to them. It can help deter thieves, but this is especially fun with pets when you're away from home and you talk to them.

Of course, the main thing to discuss is image quality, and the Arlo Pro is excellent in that regard. It boasts a resolution of 1,280 x 720 pixels and a 130-degree field-of-view. On top of that, you’ll get night vision up to 25 feet and motion detection, as well as sound-triggered recording.

The camera looks pretty nice, too. It’s sleek and white, and it has IP65 waterproofing, so it can be used both inside and outside. While the system is easy to use, it does require a somewhat large hub. Still, reviewers argue that the hub is a minor drawback – PCMag gave the camera 4.5/5, while Tom’s Guide gave it 9/10. On Amazon, the camera sits in at 4.3 stars.

Powering all that technology is a rechargeable battery that is designed to last a hefty six months before it needs a recharge – and when it does, you’ll be notified through the accompanying app. You’ll also be able to monitor the video being recorded through the app, go through previously recorded footage, and check environmental markers like temperature.

The camera isn’t overly expensive, either. Sure, it’s not cheap, but this security camera sits in at $200 on Amazon, which is a small price to pay for keeping your home and belongings secure.

Pros: Excellent image quality, nice design, waterproof, long battery life

Cons: Requires a hub to work, a little expensive.

Buy Netgear Arlo Pro on Amazon for $201.45 



See the rest of the story at Business Insider

Bill Gates made these 15 predictions in 1999 — and it's scary how accurate he was

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bill gates

In 1999, Bill Gates wrote a book titled "Business @ the Speed of Thought."

In the book, Gates made 15 bold predictions that at the time might have sounded outrageous.

But as Markus Kirjonen, a business student, once noted on his blog, Gates' forecasts turned out to be eerily prescient.

Here are the 15 predictions Gates made nearly 20 years ago — and how close they've come to being true.

Eugene Kim and Biz Carson contributed to earlier versions of this slideshow.

SEE ALSO: 19 crazy facts about Bill Gates' $125 million mansion

No. 1: Price-comparison sites.

Gates' prediction:"Automated price comparison services will be developed, allowing people to see prices across multiple websites, making it effortless to find the cheapest product for all industries."

What we see now: You can easily search for a product on Google or Amazon and get different prices. Sites like NexTag, PriceGrabber, and even Microsoft's own Bing Shopping are built specifically to compare prices.



No. 2: Mobile devices.

Gates' prediction:"People will carry around small devices that allow them to constantly stay in touch and do electronic business from wherever they are. They will be able to check the news, see flights they have booked, get information from financial markets, and do just about anything else on these devices."

What we see now: Smartphones, smartwatches, speakers like the Amazon Echo, and even headsets like the Microsoft HoloLens give users a way to have all of their information on hand at all times. 



No. 3: Instant payments and financing online, and better healthcare through the web.

Gates' prediction:"People will pay their bills, take care of their finances, and communicate with their doctors over the internet."

What we see now: Tech hasn't been able to change healthcare the way Uber changed transportation, but sites like ZocDoc aim to make finding a doctor and scheduling easier. Startups like One Medical and Forward are trying to change what the doctor's office is like by offering monthly memberships for online and data-driven healthcare. Plus, big HMOs like Kaiser Permanente now offer video-chat medical consultations via smartphone.

You can also now borrow money online through sites like Lending Club and easily make payments through sites and apps like PayPal and Venmo.



See the rest of the story at Business Insider

Ellen Pompeo signed a blockbuster deal for 'Grey's Anatomy' that will make her more than $20 million a year — here are the other TV actresses making millions

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greys anatomy ellen pompeo salary

Ellen Pompeo, the star of ABC's "Grey's Anatomy," is set to make over $20 million a year after signing a new deal with the network, according to The Hollywood Reporter

ABC has ordered a 15th and 16th season for the series as a part of its new deal with Pompeo, who will become a producer on the show for the first time while starring as the show's eponymous lead, Meredith Grey. 

Pompeo's new contract will also make her the highest-paid actress on a primetime drama series, according to THR. 

Her contract includes a $575,000 per-episode deal, along with a seven-figure signing bonus and an estimated $6 million to $7 million in backend equity for the series.

"I'm 48 now, so I've finally gotten to the place where I'm OK asking for what I deserve, which is something that comes only with age. Because I'm not the most 'relevant' actress out there," Pompeo told THR in an interview about her deal. "I know that's the industry perception because I've been this character for 14 years. But the truth is, anybody can be good on a show season one and two. Can you be good 14 years later? Now, that's a f---in' skill."

Pompeo told THR that she has had to fight for her pay over time. At one point, she said she was denied a raise by ABC after asking for $5,000 more than the salary of her costar Patrick Dempsey, whom she was making less than at the time.

"I asked for $5,000 more than him just on principle, because the show is 'Grey's Anatomy' and I'm Meredith Grey," Pompeo said. "They wouldn't give it to me."

In 2017, Pompeo ranked as the fourth highest-earning actress in TV, with $13 million earned between June 2016 and June 2017, according to Forbes.

Check out how Pompeo fared in the 2017 list from Forbes below: 

Amanda Luz Henning Santiago contributed to an earlier version of this post.

SEE ALSO: Emma Stone jumps above Jennifer Lawrence — these are the top 10 highest-paid actresses in the world

10. Pauley Perrette ($8.5 million)

Perrette earned her six-figure salary from playing forensic scientist Abby Sciuto on "NCIS."

It looks as though playing Abby for the past 14 years has payed off.



9. Robin Wright ($9 million)

Thanks to her role on the acclaimed Netflix series "House of Cards," Wright has become one of the top female earners in television. 

Wright also had a role in "Wonder Woman," and the upcoming films "Justice League" and "Blade Runner 2049" this year.



8. Priyanka Chopra ($10 million)

The Bollywood actress' major sources of income this year came from her drama "Quantico," as well as her endorsement deals with Pantene, Lyf Mobile, and Nirav Modi. 

Chopra also had a role in the film "Baywatch" this year.



See the rest of the story at Business Insider

Amazing pictures from the coldest inhabited town on earth

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Oymyakon, Russia

  • Oymyakon, Russia, is the coldest inhabited town on Earth.
  • Its population of 500 people braves temperatures that have dipped to -90 degrees Fahrenheit.
  • Despite the harsh conditions, life is pretty normal there.

 

Oymyakon is known as "The Pole of Cold."

A small town of 500 located in the Republic of Sakha in northeast Russia, it's widely regarded as the coldest inhabited town on Earth. Temperatures there average around -58° F during the winter months.

Here's what it's like to live and work in Oymyakon's sub-zero climate.

Oymyakon, Russia, is the coldest inhabited town on Earth.



It takes two days of driving down a barren road to get there.



In the Even language spoken in Siberia, Oymyakon means "unfrozen water."



See the rest of the story at Business Insider

Paula Deen is attempting a comeback with a new cooking show — here are the scandalous moments that ruined her career

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Paula Deen at Build Series promoting her new Cookbook At The Southern Table with Paula Dean in New York City on September 22, 2017.

  • Paula Deen is attempting a comeback with a new cooking show. 
  • The Southern chef was forced off the air and lost most of her corporate partners in 2013, after Deen admitted to using the n-word during a lawsuit over racist harassment. 
  • Past scandals include allegations that Deen tried to make a cook dress like Aunt Jemima, an interview in which she sympathized with slave-holding ancestors, and a profane blooper reel in which she says a dish smells like "stinky coochie."

 

Paula Deen is attempting a comeback after losing her TV show and many endorsements after allegations of racist and otherwise inappropriate actions. 

Deen is now starring in "Positively Paula," a cooking show that began airing on RFD-TV in early January. 

Many fans have missed Deen since she was forced off the air after a lawsuit involving reports of racism caused companies to cut ties with the chef in 2013. However, others may find themselves wondering why Deen is being welcomed back to the spotlight after her long list of scandals. 

For people who have forgotten why Deen was forced off the air, we've compiled a list of the cooking star's most scandalous moments throughout her career. 

Pam Engel contributed to an earlier version of this article. 

SEE ALSO: Ivanka Trump is copying her stepmother Melania — and it reveals a pivotal shift in the White House

A bombshell lawsuit led to Deen admitting she used the N-word

In 2013, Deen was sued by the former general manager of her Savannah, Georgia restaurant, Uncle Bubba’s Seafood and Oyster House. She owned the establishment with her brother, Earl "Bubba" Hiers.

The manager, Lisa T. Jackson, accused Deen of racial discrimination and Hiers of sexual harassment, according to the Savannah Morning News.

While the lawsuit was dismissed, several of the allegations against Deen — as well as things Deen herself admitted to in the lawsuit — led to companies including Kmart, Sears, and Walmart cutting ties with the chef.

While Deen denied racist jokes, she admitted to saying the n-word in the past. 



Allegations of Deen's brother — the restaurant's co-owner — watching porn at work were also part of the lawsuit

The lawsuit mentioned employee complaints about "Bubba" Hiers looking at pornography at the restaurant and forcing other employees to look at it as well.

In response to questions about whether or not she'd have a problem with Hiers looking at porn at work, Deen said:

If somebody sent [Hiers] something and he pulled it up and looked at it, no, I would not persecute him for that. … Bubba, I don't think, would ever do that if he thought there was somebody in the room that he — it would insult. … Bubba would never force somebody to read the crap that comes up on that computer.



The New York Times reported further racist acts at Deen's restaurants, including making an employee dress like Aunt Jemima

Dora Charles, a Black chef who worked closely with Deen, spoke with The New York Times in 2013 about other reportedly racist actions taken by Deen. 

Among them was Deen's attempt to get a Black female cook to dress up like Aunt Jemima, a spokesperson with callbacks with racist minstrel shows. Deen denied the allegations. 



See the rest of the story at Business Insider

The 10 US cities that are growing fast, offering jobs, and presenting business opportunities

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Fort Collins Colorado

  • Some U.S. cities are more financially stable than others.
  • The top 10 are based on growth, employment, and business opportunities.
  • The list includes cities like Dallas, Nashville, and Seattle — as well as Provo, Utah and Raleigh, North Carolina.


The global economic outlook is strong, according to recent information from Goldman Sachs. The firm predicts that global growth will reach 4 percent in the next year. The U.S. economy as we head into the new year is showing strong momentum and the unemployment rate is already below what the Federal Reserve deems as sustainable. Overall, the current economic environment is about "as good as it gets," according to Jan Hatzius, Goldman Sachs' chief economist.

Of course there are U.S. cities that are more financially stable than others. Here, we'll take a look at 10 that are expected to top the list in 2018 based on growth, employment, and business opportunities. This list can help you gauge where you'll have the best shot at getting your credit and finances in shape, and ideally, getting ahead with your personal finances.

SEE ALSO: The 10 healthiest cities in America

1. Provo, Utah

This city was recently ranked as the best-performing city by the Miliken Institute, thanks to its robust high-tech sector and broad-based job and wage growth. The Provo/Orem region added 5,500 high-tech jobs between 2011 and 2016. San Jose, California-based Adobe has a major presence there and the region’s flagship college, Brigham Young University also accounts for a considerable amount of employment opportunities.



2. Raleigh, North Carolina

Thanks to its low business costs and thriving research and development-driven industries, this city presents those looking for a new place to call home with big opportunities. Job growth over the next 10 years is predicted to be 42.66 percent. Raleigh’s competitive business climate continues to attract employers looking to relocate operations away from rising rents in major metro cities.



3. Fort Collins, Colorado

This northern Colorado city is home to Colorado State University and it’s growing fast with many job opportunities in the tech sector. The average annual salary for one of the city’s major tech companies, Agilent Technologies, is $81,050. In fact, the whole of northern Colorado is growing right along with the rest of the state, with expectations of growing its population an additional 30,000 residents by 2040.



See the rest of the story at Business Insider

From defusing bombs to dispelling myths: Meet Ronny Jackson, the White House doctor for 3 presidents who held an hour-long press conference on Trump's health

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ronny jackson trump health

All eyes turned to doctor and rear admiral Ronny Jackson as he gave his report on President Donald Trump's physical at a press conference on Tuesday, wearing a slick military suit displaying his various honors.

Jackson delivered his findings without the kind of fanfare and over-the-top bravado that Trump's personal doctor Harold N. Bornstein used when he said that Trump would be the "healthiest individual ever elected to the presidency" in 2015. But the Navy and Marines veteran still managed to raise some eyebrows with comments about Trump's "incredible genes."

Trump's measurements and overall good health that Jackson reported were called into question in the media and on Twitter, where celebrities and journalists alike claimed he had given a low-ball measurement of the president's weight, giving birth to the "Girther Movement" conspiracy. Others, like CNN's Dr. Sanjay Gupta, claimed the numbers Jackson reported indicated that Trump had heart disease.

But Jackson has served in the White House for 12 years — personally caring for three presidents — and many former White House officials have lined up to defend his credibility.

Here is a rundown of his impressive and varied career:

SEE ALSO: Here's Trump's full health report from his first physical exam as president

DON'T MISS: Trump's doctor says he's in 'excellent health,' but the numbers tell a different story

Jackson was born in Levelland, Texas in 1967. He studied Marine Biology at Texas A&M University at Galveston before graduating from medical school at University of Texas Medical Branch in 1995.

Source: US Navy



Jackson led an impressive career in the US Navy, gaining highly specialized skills in submarine medicine. He served for years in states from Florida to Hawaii, and trained to defuse bombs as part of an Explosive Ordinance Disposal unit in Sicily, Italy.

Sources: Harvard Medical SchoolNew England Journal of Medicine, US Navy



A few years after finishing his medical studies in 2001, Jackson was deployed to Iraq to serve as the Emergency Medicine Physician in the US Marine Corps. In 2006, he was chosen to be one of the White House physicians for former President George W. Bush.

Sources: Harvard Medical SchoolUS Navy



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24 home gym exercise tools that will save you money and time

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Getting to the gym isn’t remotely easy for most of us.

Things like working late, having a long commute, and preferring not to exercise with gusto in front of others can keep many people from seeing returns on their expensive gym memberships.

Sometimes between the long nights and the long commutes the only time you have for yourself is the morning, and that free time often cut from prospective sleep hours seems to be ill-used on commutes to and from the gym. 

For all those reasons and more, home gym equipment can be a turning point — an invaluable tool in maintaining the kind of fit body and lifestyle you want.

When I was working full-time and taking night classes, I knew that I’d likely never see the inside of a gym — the hours weren’t times that I could make and there definitely wasn’t a convenient 24-hour center nearby. I wasn’t content with losing enough muscle tone to one day flop over like Harry Potter’s arm when his bone is magicked away in one of the movies. So I invested in equipment that I could use when I got home. And it was really great — not only did it always work with my schedule, but on the particularly tiring days I never felt the need to compete with anyone else just to show that I was not always so lackluster — I was the only one there, and I knew how tired I was, so I just gave myself credit for the effort.

Home gym equipment isn’t for everyone, but it can be a way to cut down on monthly costs like gym fees and increase the convenience and comfortability of exercise for people all over the world.

Whether you’re trying a new resolution, are landlocked at home, or have another one of the millions of little reasons why home gym equipment might be nice to have around, it’s wise to pick something up that works for you and whatever your specific fitness goals are.

Below are 24 items that will help you work out at home:

SEE ALSO: 8 exercise headphones that will make it easier to work out this year

TRX Home Suspension Trainer Basic Kit & Door Anchor, $149.95

BUY IT ON AMAZON >>



20 lb Dumbbell Set with Stand, $24.99

BUY IT ON AMAZON >>



High-Density Foam Roller, $8.75 - $21.30

BUY IT ON AMAZON >>



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10 easy foods you can make in your microwave

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Popcorn in Bowl

  • Your microwave doesn't just have to be for reheating food — you can also use it for making meals as well.
  • Although there are definitely some foods to avoid putting in the microwave, other meals like spaghetti and pancakes can be all in one mug.
  • These are some of the most simple and tastiest meals you can make without needing a stove or oven.

Spending time making food can be a struggle for some students and those who work and a welcome break for others. No matter what your take is, it's important to dedicate time for food.

University students have a rep for living on take-out and frozen pizza for a reason, but microwave cooking is a great way to have a more balanced diet for those who lack time to cook. Below are some meals and snacks that you can make in your microwave for the days when cooking is just too much.

Chocolate chip cookie in a mug

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This chocolate chip cookie in a mug should be in everyone's repertoire. It only takes one minute to make, and it will definitely satisfy a sweet tooth.

Find the recipe here.



Fried eggs

The best way to start your morning off is with breakfast. Don't worry if you're in a rush for work or early classes, you can always fry an egg in the microwave.

Find the recipe here.

 



Spaghetti dinner

If you're worried that you won't have time to eat after work or school, try this easy spaghetti dinner. It takes less than 15 minutes to make, and it's delicious.

Find the recipe here.



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9 phrases only MBAs understand

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Harvard Business School commencement

Every industry has its own lingo. Business-school jargon may be especially perplexing to outsiders.

To help clear up some of the confusion, we asked two MBA grads about the most unusual terms and phrases they picked up in business school.

Paul Ollinger graduated from the Tuck School of Business at Dartmouth in 1997 and was an early Facebook employee before becoming a standup comedian. He recently published a comedic career guide titled, "You Should Totally Get an MBA," which includes a glossary of "MBA Talk."

Alex Dea graduated from the University of North Carolina at Chapel Hill's Kenan-Flagler Business School in 2015 and is now a product marketing manager at Salesforce. He also runs the blog MBASchooled, which is a resource for business school students, applicants, and alumni.

Read on to find out what MBAs really mean when they call you a "Herbie."

SEE ALSO: How to get into a top business school, from a student who was admitted to Darden without a traditional finance background

Resume lock

The "resume lock" is a high-level review of your resume during an interview.

Dea said: "It's almost like a very short, succinct elevator pitch about your background or what you've done, the skills that you have, anything that gleans a little bit into how your personal and professional life connect."



PAR and STAR

These are two frameworks that MBA students use either to describe their accomplishments on a resume or to answer interview questions, Dea said. "You don't always get a lot of time for interviews, so you want to make sure that you're being concise."

PAR stands for "Problem, Action, Result." If you're using this format, Dea said, "you would talk about the problem, then you would dig into the actions that you took to help solve the problem, and then you would finally close with the end result that you specifically made." STAR is very similar — it stands for "Situation, Task, Action, Result."



Blue ocean and red ocean

Ollinger describes both terms in his glossary.

Blue ocean is a "nerdy way of describing a market that has yet to be chummed up with competitors or great whites (which are, by the way, man-eating killing machines)."

Red ocean is a "nerdy way of describing a market chummed up with competitors and man-killing sharks."



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See the bitcoin-themed pop group that's taking Japan by storm

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Members of Japan's idol group

  • There's a new Japanese girl group called "Virtual Currency Girls" who sing about cryptocurrency.  
  • Each of the eight women represents a different digital currency such as bitcoin and ripple.
  • They aim to educate the public in a fun way about the digital currency.

 

The cryptocurrency craze has taken center stage — this time, in the form of an all-female Japanese pop group. The eight women who make up the group "Virtual Currency Girls" sing songs about the digital currencies while wearing wrestling-style masks in the theme of bitcoin, ripple, and others.

Rara Naruse, the group's leader told Reuters of the money: "They're so convenient you kind of have to wonder why we didn't have them before." Each member is dressed in the color scheme of different digital currency brands, and their logos grace the front of their masks.

The band's merchandise sold at the venue can be purchased in bitcoin — along with the concert tickets. The band's salary is also paid in digital currency. 

This week, bitcoin fell to a six-week low as South Korea said it planned to ban cryptocurrency trading, and reports came in that Russia could also impose stricter regulations on the sector.  

SEE ALSO: 17 of the most bizarre photos from this year's CES tech industry trade show

Reuters photographed the group "Virtual Currency Girls" during a performance in Tokyo, in January.



In Japanese, the group's name reads "Kasotsuka Shojo."



During the show each member introduced themselves and the currency they represent.



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The 10 richest women in America

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Alice Walton

  • Based on Forbes' annual ranking of the richest people in the world, here's a roundup of the richest women in America. 
  • Three of the women on the list are part of the Walmart fortune. 
  • Three of the others are from the Cox family, of Cox Enterprises. 


The richest women in America have more in common than just their wealth.

From Jacqueline Mars to Christy Walton, the 10 richest women in America are all descendants or widows of the founders of some of the biggest companies in the country — from Walmart to Apple to Mars candy.

In fact, three of the richest women are from the Walton family (of Wal-Mart), and another three are from the Cox family (of Cox Enterprises fortune). It's for that reason that women like Oprah Winfrey, who has a net worth of $2.8 billion, and Marian Ilitch, who co-founded Little Caesars Pizza, are not on this list. (They are, though, among the richest self-made women in America.)

Just as some of the richest people in the world like to donate their billions to charity, the richest women in America have used their tremendous inheritances for good, founding and running philanthropies. That includes Laurene Powell Jobs, who runs an organization dedicated to creating solutions to immigration reform and other social justice issues.

Based on Forbes's annual ranking of the richest people in the world, these are the 10 richest women in America:

SEE ALSO: Rich people choose their friends differently than the rest of us

1. Alice Walton

Industry: Retail

Net worth: $38.2 billion

Alice Walton is the heiress of the Wal-Mart fortune left behind her her father and Wal-Mart founder Sam Walton. Wal-Mart is the largest private employer in the country, and according to Forbes, Walton is worth at least $38.2 billion.

Walton's family is also among the richest in the world. She and other members of her family run the Walton Family Foundation, which focuses on investing in programs related to K-12 education, environmental conservation and improving the quality of life in Arkansas.

The 68-year-old Texas resident is also known for her horse breeding and art collections, as well as her multi-million dollar Texas ranches. Exhibiting her passion for art, Walton also opened the Crystal Bridges Museum of American Art in Bentonville, Arkansas, her hometown.

With the recent death of French heiress Liliane Bettencourt, Walton is considered to be one of two richest women in the world. The other is Bettencourt's daughter, Francoise Bettencourt Meyers.



2. Jacqueline Mars

Industry: Food

Net worth: $25.5 billion

Similar to Walton, Jacqueline Mars comes from one of America's richest families and inherited a substantial amount of wealth. As the second richest woman in America, Mars is worth an estimated $25.5 billion — thanks to her Mars Inc. fortune and investments.

Founded in 1911, Mars Inc. is the largest candy maker in the world, with treats like M&Ms, Snickers and Skittles. The company has also expanded to sell pet supplies.

Mars, 78, owns a third of the company, and her two brothers own the other two-thirds. Outside of the company, Mars is a philanthropist. Thanks to her work for the United States Equestrian Team Foundation, she won the foundation's distinguished trustee award in 2017. Mars lives in Virginia, where the company is based.



3. Laurene Powell Jobs

Industry: Tech

Net worth: $19.4 billion

The widow of Apple cofounder Steve Jobs, businesswoman Laurene Powell Jobs is worth around $19.4 billion, according to Forbes. Steve Jobs died in 2011 and had a net worth of about $11 billion before his death, according to the Motley Fool.

Considered the third-richest woman in America, Powell Jobs is the founder and president of the Emerson Collective, an organization that works with policymakers to create solutions to issues in education and immigration reform, among other social justice issues. Powell Jobs, 54, has also founded other organizations, including College Track, a group that helps prepare low-income students for college.

Recently, Powell Jobs also bought a majority stake in the magazine The Atlantic for an unknown sum.



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The creepiest urban legend from every state

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People love telling stories about some of the scariest places in America— it's a tradition at campfires and sleepovers all over the country.

While some stories, like Bigfoot, have entered mainstream pop culture, others have stayed local, like the poisoned girl at Centennial Hall in Nebraska.

Keep scrolling to read the creepiest urban legend from your state.

ALABAMA: Hell's Gate Bridge

The generally accepted story of Hell's Gate Bridge starts in the 1950s. A young couple driving over the bridge somehow drove their car off the bridge one night and both drowned.

There are two legends associated with Hell's Gate Bridge — one, that if you drive your car out to the middle of the bridge and turn off the lights, the couple will magically appear in your car and leave a wet spot on the seat. The other, which is how the bridge got its name, is the belief that if you drive over the bridge and look over your shoulder halfway through, the scenery behind you turns into a portal to hell engulfed in flames.

Potentially to curb ghost hunters and bored teenagers, Hell's Gate Bridge is closed to cars, and in such disrepair that walking across is strongly discouraged.



ALASKA: The Kushtaka of the Alaskan Triangle

Everyone knows the story of the Bermuda Triangle, but you might not know about the Alaskan Triangle. On average, 5 of every 1,000 people go missing in Alaska according to the LA Times, so even if there's nothing supernatural going on, it's easy to get lost in the Alaskan wilderness.

The Tlingit tribe that lives in Juneau has their own explanation for the high amount of missing people — evil spirits called the Kushtaka. The Kushtaka are shape-shifters (half-man, half-otter) that lure women and children to water with fake cries in order to steal their human spirit — and drown them.

 



ARIZONA: The ghosts of Slaughterhouse Canyon

The story of Slaughterhouse Canyon takes place during the Gold Rush. During the 1800s, there was a family who lived down in the canyon. They were very poor, so the father would venture out into the canyon for food for his family. As you might have guessed, one day the father did not return, so his family slowly starved and descended into madness. The mother, unable to bear listening to her children's cries anymore, put on her wedding dress, murdered her children, and then threw them into a nearby river. The next day she succumbed to starvation herself.

The legend states that if you go down to Slaughterhouse Canyon at night, even now, you will hear the loud, anguished cries of the mother who lost her mind.



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There's a budding rivalry between the daughters of Steve Jobs and Bill Gates, Stanford classmates who compete outside of the world of tech

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Eve Jobs Jennifer Gates

• Eve Jobs and Jennifer Gates are fierce competitors.

• Unlike their fathers, their rivalry has nothing to do with the world of tech.

• Both Stanford college students are top equestrians.



Bill Gates and Steve Jobs had a rivalry for the ages.

Both pushed a vision of what the future of technology would look like. Over the years, they occasionally worked together, and oftentimes feuded.

Today, their daughters Jennifer Gates, 21, and Eve Jobs, 19, also compete against one another, from time to time.

But instead of duking it out over personal computers, they both stick to the equestrian sports.

Here's a look inside their careers, so far:

SEE ALSO: The amazing life of Bill Gates' daughter Jennifer, an elite equestrian who competes against Steve Jobs' kid and stands to inherit 'a minuscule portion' of her father's $92.2 billion fortune

DON'T MISS: A look at the life of Steve Jobs' youngest daughter Eve, an accomplished equestrian and Stanford student who trains on a $15 million ranch

Both equestrians took up the sport at a young age. Gates first took the reins when she was six, while Noelle Floyd Style reported Jobs has loved riding horses "since she was a small child growing up in Palo Alto, California."

Source: Noelle Floyd Style, Sidelines NewsNoelle Floyd Style



Gates and Jobs are also both enrolled at Stanford. Jobs was previously set to attend UCLA, but has since transferred.

Source: InstagramNoelle Floyd Style, Stanford UniversityHorse Network



They're also part-time neighbors in the equestrian capital of Wellington, Florida. The Miami Herald reported Gates' father dropped $37 million to buy a whole string of properties there in 2016. That same year, Jobs' mother Laurene Powell-Jobs bought a $15 million ranch just across the street.

Source: Business InsiderThe Chronicle of HorseThe Daily Mail, The Real Deal, The Miami Herald, Business Insider



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The massive amounts of electricity required to mine bitcoin could benefit these 5 stocks, Morgan Stanley says

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germany solar

  • Energy demand to mine cryptocurrencies "may represent a new business opportunity for renewable energy developers," Morgan Stanley said. 
  • Low-cost power regions, including the Southwest or Midwest US, and areas with the potential for wind and solar energy, stand to benefit the most from the rise in demand for energy.


Crypto mania could soon have an impact on the renewable energy business, according to Morgan Stanley.

In a note to clients, the US investment bank said that it costs between $3,000 and $7,000 to mine each bitcoin, making low-cost energy a key focus for bitcoin miners. That, in turn, may present an opportunity for renewable energy firms, according to Morgan Stanley. 

Morgan Stanley said:

"In theory there could be pockets of outsized mining profitability given our projection that renewable energy, and storage, costs are likely to fall substantially. For example, if firm renewable energy could be generated at an all-in cost of 6 cents per kWh in the US, the cost of generating one Bitcoin would fall by $600 relative to a power cost of 8 cents per kWh. In the Southwest US, NextEra Energy recently signed an agreement to provide a customer with a combination of solar power and energy storage at 4.5 cents/kWh. Recent wind power sales contracts in the Midwest US are in the range of 1.5-2.5 cents/kWh, and we project this will continue to drop as wind blade lengths continue to increase."

Here are the companies Morgan Stanley highlighted as the key utilities that could benefit from increased electricity demand due to bitcoin mining, along with some of the bank's comments on why they're well-positioned: 

American Electric Power

Ticker: AEP

Market Cap: $34.4 billion

Comments: "The key utility beneficiaries we would highlight include: American Electric Power (AEP), Xcel Energy (XEL), and Entergy (ETR). These utilities serve the regions with the lowest cost of electricity, and AEP and XEL are taking advantage of low cost wind to drive rates even lower."

 



Xcel Energy

Ticker: XEL

Market Cap: $23.3 billion

Comments: "The key utility beneficiaries we would highlight include: American Electric Power (AEP), Xcel Energy (XEL), and Entergy (ETR). These utilities serve the regions with the lowest cost of electricity, and AEP and XEL are taking advantage of low cost wind to drive rates even lower."



Entergy

Ticker: ETR

Market Cap: $14.4 billion

Comments: "The key utility beneficiaries we would highlight include: American Electric Power (AEP), Xcel Energy (XEL), and Entergy (ETR). These utilities serve the regions with the lowest cost of electricity, and AEP and XEL are taking advantage of low cost wind to drive rates even lower."

 



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These drawings capture what happens behind closed doors in relationships — and they reveal the beauty of our most private moments

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Amanda Oleander Couple Art Star Gazing Romantic

Los Angeles-based fine artist Amanda Oleander captures the intimate moments of everyday life in her drawings — from the ordinary to the embarrassing to the truly special.

Oleander, who has been drawing and painting since she was about four or five years old, rose to fame in 2015 as Periscope's first real star. That year, she racked up over 200,000 followers on the live streaming platform. Today, she has over 581,000 and counting, not to mention the 249,000 who follow her on Instagram.

 The 28-year-old artist told INSIDER that she is drawn to the moments "we never get to see," the moments that "can't really be documented because if they were, it would alter" how we act. "I'm enthralled by the way people behave behind closed doors," she said.

Take a closer look at some of Oleander's drawings below.

Sometimes, the most romantic milestones in a relationship come when you let your guard down around your partner.



These are the instances that stand out to Oleander, who frequently draws inspiration from her own relationship with her boyfriend, Joey Rudman.



Her artwork captures all the intimate moments that bring a couple closer together, like when you take care of a sick partner, even if you'll get sick, too.



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