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10 industries at risk by Trump's offshore oil and gas drilling proposal

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In January, President Donald Trump proposed opening 98% of US waters to offshore oil and gas drilling.

The proposal listed 47 potential leases for drilling between 2019 and 2024, including "19 sales off the coast of Alaska, 7 in the Pacific Region, 12 in the Gulf of Mexico, and 9 in the Atlantic Region,"according to the US Interior Department.

It has drawn criticism from politicians on both sides of the aisle because exploration methods and the potential for oil spills risk the environment and multiple coastal industries.

Offshore oil surveyors use seismic airguns that cause in marine life "temporary and permanent hearing loss, abandonment of habitat, disruption of mating and feeding, and even beach strandings and death,"according to CNN.

Less than a week after Trump's proposal, Interior Secretary Ryan Zinke removed Florida from the list, saying that he agreed with Republican Gov. Rick Scott that Florida "is unique and its coasts are heavily reliant on tourism as an economic driver."

South Carolina GOP Rep. Mark Sanford even said that Trump had Florida removed because of Mar-a-Lago.

But Florida is not the only state reliant on fishing, tourism, and other industries tied to the coast and waterways.

Here are 10 industries in other states that Trump's proposal could endanger:

SEE ALSO: GOP congressman: Trump may have exempted Florida from offshore drilling because of Mar-a-Lago

1. Maryland crabs.

The Chesapeake Bay alone provides the US with 50% of its blue crabs, and the Maryland seafood industry contributes nearly $600 million to the state's economy each year.

"It could jeopardize our whole industry," Robert Brown, president of the Maryland Waterman's Association, told CNN. 

Maryland's Republican Gov. Larry Hogan has also come out against Trump's proposal.

Source: State of Maryland



2. Maine lobsters.

In 2016, Maine lobsters brought the state more than $500 million, CNN reported.

"It doesn't make any sense," David Cousens, president of the 1,200-member Maine Lobstermen's Association, told CNN. "We would lose all the lobsters up here."

The proposal also puts Maine's tourism industry, including Acadia National Park, at risk.



3. Gulf Coast shrimp and oysters.

The Gulf Coast accounts for 70% of US oyster production, and Louisiana's shrimp production alone provides 15,000 jobs and $1.3 billion to the state each year.

 



See the rest of the story at Business Insider

These are the most unforgettable Super Bowl commercials of all time

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Cindy Crawford - Pepsi

This Super Bowl Sunday, the Philadelphia Eagles will take on the New England Patriots, and both teams will have their eyes set on the Lombardi trophy.

But off the field, there will be another battle on your TV screens, as brands attempt to outwit one another with their  Super Bowl commercials.

While the 2018 ad winner is yet to be crowned (here are the 10 most buzziest commercials), it's as good as a time as ever to take a walk down memory lane. Whether heartwarming or funny, sad or downright weird, these commercials left an indelible impression on their audiences.

Here are 10 of the most unforgettable Super Bowl commercials of all time, in no particular order. 

 

Apple's "1984"

Apple's much-hailed yet very bizarre commercial from 1984 was technically the very first viral ad —making Super Bowl commercials a true phenomena. 

The ad aired only once, but was replayed on news channels across the world for weeks, and contributed to the sale of about $150 million worth of Macintoshes in barely three months.

Talk about a return on investment. 

Watch it here.



Always' "Like a girl"

By recasting a phrase often used as an insult as an empowering message, the award-winning Procter and Gamble spot won hearts everywhere. 

Although a continuation of a campaign that began the previous summer, the spot stood out among a sea of hyper-masculine ads, and won heaps of praise for changing the conversation about what it means to run, throw and do pretty much anything "like a girl."

Watch it here.



Doritos "Live the Flavor"

More groundbreaking from an innovation, rather than an audience perspective, this 2007 spot was the first ever crowdsourced Super Bowl spot.

It let Doritos cut down on costs while simultaneously engaging some of its most loyal customers.

Watch it here.



See the rest of the story at Business Insider

GOLDMAN SACHS: These 14 stocks will crush the market as wages rise

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  • Companies that have the lowest labor costs are poised to outperform, according to Goldman Sachs.
  • The firm has identified 14 companies that are set to beat the market as wages increase.


With extra cash on hand thanks to the GOP tax bill, companies are starting to sweeten the pot for their workers.

Home Depot became the latest company to do so on Thursday, announcing that it would give hourly associates in the US a one-time cash bonus of up to $1,000. They joined JPMorgan, American Airlines, AT&T, Boeing, Comcast, and Visa, who have all either hiked pay or issued bonuses in the past few weeks.

This is great news for employees, but it's a much more complicated situation for companies — particularly those with the highest labor costs. For firms that already pay high wages relative to the rest of the market, the mounting pressure to increase employee pay may end up hurting their bottom lines in the long run.

So what's an investor to do? Look for companies with low labor costs, of course. And lucky for you, Goldman Sachs maintains an index of such firms.

Without further ado, here are 14 stocks Goldman says will outperform as labor costs rise. Note that this is a collection of the companies from within Goldman's 49-stock "low labor cost" basket, and for whom implied labor costs are either 0% or 1% of revenue.

Netflix

Ticker: NFLX

Industry: Consumer discretionary

Market cap: $95 billion

Implied labor cost as % of revenue: 1%



Molson Coors Brewing

Ticker: TAP

Industry: Consumer staples

Market cap: $17 billion

Implied labor cost as % of revenue: 0%



Phillips 66

Ticker: PSX

Industry: Energy

Market cap: $54 billion

Implied labor cost as % of revenue: 0%



See the rest of the story at Business Insider

Bose's $350 noise-cancelling headphones are a must-have if you want to live in a quieter world – and they sound great, too

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At $350, Bose's comparatively expensive QC35II headphones aren't for everyone, especially if all you want is a simple, good pair of Bluetooth headphones.

But Bose's Quiet Comfort headphones come with noise cancelling, and they're usually the best at drowning out unwanted ambient noise. If you're in the market for noise cancelling headphones, the QC35II should certainly be near the top of your shortlist. 

They deliver premium audio quality, but they're not my favorite headphones for music, as I personally prefer a little bit more bass than they deliver for bass-heavy music. But their excellent noise cancellation and extreme comfort make the QC35II my go-to pair of headphones for every day use. 

Check out the Bose QC35II headphones:

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

The QC35II are perfect for the office.

The QC35II creates a sound proof bubble in the office. They totally remove the hum of the office air conditioners at BI, which can be incredibly loud. Other sounds like office chatter, doors closing, and footsteps are muffled, but they're still audible. Don't expect the kind of silence you get at a library, but these headphones absolutely make the office a less distracting place to work in. 



It might not seem like they do a great job in a noisy environment, but they do.

The QC35II muffle the sounds of commuting, like subways and noisy streets, but everything is still largely audible. I wasn't very impressed at first, but then I took the headphones off in the middle of a subway ride and realized just how much sound they were cancelling out.

The same thing goes for walking around NYC. I initially thought the city was still pretty loud while using QC35II. But once I took them off, I wondered how people live without ear plugs or noise cancelling headphones. It's pretty amazing, and it makes commuting a lot more comfortable. 

 



They're the next best thing after ear plugs for air travel.

The headphones don't completely remove an airplane's hum, but they're close! It's the same experience as during my commute. You don't realize just how much noise the QC35II headphones cancel out until you take them off. I wondered the same thing as I did with my commute: How could anyone possibly go through a flight without ear plugs or noise cancelling headphones?

The headphones also come with an aux cord that plugs into the headphone jack of any device that still has a headphone port, like an airplane's entertainment system.



See the rest of the story at Business Insider

The world's best airline has an amazing new business class — here's what it's like

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Qatar Airways Q Suite

  • Qatar Airways announced its new Qsuite business class last spring, and recently started flying Qsuite equipped planes on two US routes.
  • Qsuites feature an innovative design, and is the first business class product in the world to features seats that can transform into double beds.
  • Skytrax named the new product the best business cabin of 2017, and recognized Qatar as the top airline.


Last March, Doha-based Qatar Airways unveiled its new, industry-leading business class product, "Qsuites," at the ITB Berlin travel trade show.

As Qatar Airways operates most of its fleet in a two-class configuration — only offering first class on its limited fleet of A380s — the airline has invested heavily in its business class product, which is built by B/E Aerospace (now Rockwell Collins) and designed by PriestmanGoode.

In Qsuites, that investment shows. Each seat rests in an individual pod with a closing door, creating a "suite" with an open top. The suites offer storage and table space, as well as a spacious, comfortable chair which can fold flat into a bed, and a large in-flight entertainment screen — all features on-par with the best international business class products, to the point that Qsuites seemed more like "first class lite." To that point, the airline brands it as "first in business."

However, the keynote feature of Qsuites isn't just the personal space, but what you can do if you're traveling in a group. Unique among business class products, several of the Qsuites seats offered in the center of the plane have partitions which could be fully lowered to create open "conference room" type settings.

Beyond that, though, the seats in a few rows can be turned into double beds, when the partition is fully lowered and the chairs are folded into bed mode. While only a few airlines offer true or adapted double beds in first class, Qatar is the first airline to bring that feature to business class.

The airline is installing Qsuites on all newly delivered aircraft and is retrofitting its current fleet — except for the A380, which will eventually get a modified version of the seat due to size constraints. 

However, the airline won't have Qsuite uniformly installed for another two years, Qatar Airways vice president for the Americans Gunter Saurwein told Business Insider. For now, only certain routes will see the top-of-the-line new product.

Business Insider recently got a tour of the Qsuites aboard a 777-300ER in New York as it prepared for its next journey to Doha. The flight crew walked us through a preview of the in-flight service, including catering, the in-flight entertainment, and, of course, the double bed.

Read on below to see what Skytrax calls the world's best business class on the world's best airline:

SEE ALSO: The 7 most luxurious private jets in the world

The Qatar Airways 777-300ER we'd be touring was towed to the general aviation terminal at JFK — it would operate flight QR702 to Doha later that evening.



Qatar Airways features adjustable mood lighting on its planes. As we walked on board, the cabin crew set the lighting to rotate between the different hues.



Qsuite seats are arranged in a 1-2-1 layout, so that every seat has direct aisle access. The middle of the cabin is so spacious that you almost forget you're on an airplane.



See the rest of the story at Business Insider

I rode the Dubai Metro in a first-class cabin — and it was the best subway ride I've ever had

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eDubai Metro

  • The Dubai Metro operates trains with three different classes of service; Silver Class, Women and Children Only, and Gold Class. 
  • Silver Class is the regular service while Gold Class is the metro equivalent of first class.
  • Gold Class costs more but offers amenities such as individual seating.

Every day, I depend on New York and New Jersey's aging public transportation network to get me to work and back. Over the years, the lack of investment compounded by ever-increasing ridership has left the system in tatters leading to operational headaches and angry passengers. I'm looking at you MTA, New Jersey Transit, and Port Authority of New York and New Jersey. 

So I found it rather refreshing to experience the recently constructed metro system in Dubai, United Arab Emirates. In fact, the Dubai Metro has something I had never encountered before, a first-class cabin. Or as the Dubai Roads and Transport Authority calls it, Gold Class.

Like first class on any train or airliner, Gold Class buys you extra room and amenities. However, it comes at a price. In this case, roughly double what someone would typically pay to ride in the metro's standard cabin. 

Since Dubai's metro system is arranged into multiple zones, the cost of a ride can vary significantly. A ride on the metro in the standard Silver class within a zone could cost a little as 3 Dirhams or $0.81. On the other hand, a single ride Gold Class ticket valid to cross all zones costs as much as 19 Dirhams or $5.13. 

Here's a closer look at my experience on the Dubai Metro's Gold Class. 

SEE ALSO: The 7 most luxurious private jets in the world

FOLLOW US: on Facebook for more car and transportation content!

The Dubai Metro opened for business in 2009 and features 47 stations on two lines, Red and Green.



The stations and the track are generally both elevated, but there are portions of the network that runs underground. The stations are equipped with wifi, ATMs, and retail outlets.



Here's one of those elevated tracks.



See the rest of the story at Business Insider

Oracle's Silicon Valley campus is now home to a high school — here's what it's like inside (ORCL)

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676718 dTech High School Back East 0245

Oracle is known for its database technology, but it soon could be known for something else as well — educating kids.

Last month, the tech giant opened the doors of a brand new $43 million high school building built on its Silicon Valley campus. The building is the new home for Design Tech — also known as d.tech — a public charter school that works closely with the Oracle Education Foundation, a nonprofit organization funded by the company.

Though four years old, d.tech didn't have a permanent home until it moved into the new building. The school, which focuses on design thinking and creative problem solving, started out with just a few classrooms inside another public high school. It later moved to a partially renovated garage.

It has the right to use the new structure for the life of the building — and is only paying $1 a year in rent to Oracle.

While d.tech's building is new, Oracle campus is a familiar locale for many of the school's 550 students. Many students have interned with the company. Many have also taken classes at its on-campus conference center that the school offers four times a year. At these classes, d.tech's students get to interact with design and engineering professionals who volunteer to help the teens do things such as develop apps or build companies. 

Here's what it's like to go to school on the campus of a tech giant:

SEE ALSO: Kombucha, climbing walls, free plane tickets for parents, and hard work — A day in the life of a Silicon Valley intern

Oracle's headquarters is in Redwood City, California, about 20 miles south of San Francisco.

The company started building its campus in 1989. Its blue glass office buildings were intended to call to mind the databases that made Oracle famous.



The campus has a lot of walking paths and a small lake that employees can jog around during their breaks.



The d.tech building is on the east side of the campus, just steps away from Oracle's main offices.



See the rest of the story at Business Insider

15 hilariously scathing reviews of movies that won the Oscar for best picture

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Not all best-picture winners are loved by critics.

In the eyes of some critics, the Academy has made some poor decisions throughout the ceremony's history — to put it lightly.

For a fun trip down memory lane, we collected the most scathing reviews of movies that won best picture throughout the years. And they are pretty amazing.

While not all of the movies listed are "bad" best picture winners (in our minds), some critics thought they were either terrible, just mediocre, or in some way undeserving of such a high honor.

For some films — like 2015 winner "Birdman," and 2005 winner "Crash"— it was hard to choose which horrible review to feature. For others, like 2009 winner "Slumdog Millionaire," most reviews were positive, but one bad review stood out.

Here are the most scathing reviews of best picture winners:

SEE ALSO: Here are the 17 biggest Oscar snubs of 2018

"Grievously doting and squeamishly evasive."

The Washington Post on "Gandhi," the 1983 best-picture winner. 



"Not a great film by any standard, this is a western for people who are completely ignorant about the genre."

TV Guide on "Dances With Wolves," the 1991 best-picture winner. 



"So afraid to dredge up debate that when Forrest is handed a mic at an antiwar rally, someone unplugs the speakers so we can't hear him - fitting for a movie with nothing to say."

LA Weekly on "Forrest Gump," the 1995 best-picture winner. 



See the rest of the story at Business Insider

A CEO who gives his employees $2,000 to go on vacation says there are 5 reasons the policy is good business

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mark douglas

Since 2011, SteelHouse CEO Mark Douglas has had two policies that have transformed the way his company operates.

Not only do employees at the marketing and advertising company get $2,000 a year to put toward any vacation of their choosing, but the entire company takes a 3-day weekend every month, which Douglas branded "SteelHouse Days."

He said the policies have been tremendous morale-boosters, but they've also helped attract elite talent and improve the company's bottom line.

Here are several reasons why the policy works so well, according to Douglas.

SEE ALSO: This CEO gives his employees a 3-day weekend every month and a $2,000 vacation bonus

The time off gives people a chance to recharge.

The most obvious reason SteelHouse's policies work is that people are working less and getting more time to enjoy leisure activities.

Combined with the paid-vacation fund, team members get five extra days off each year — one for each month that doesn't already come with a three-day weekend. Many people use a portion of the $2,000 to take trips on those SteelHouse days, Douglas said.

The result is people come back more energized and excited to do their jobs.



The policy encourages team-building among staff members.

SteelHouse Days aren't like normal federal holidays or paid-time off, Douglas said. Since the entire company is shut down, no one is tethered to their device to respond to a team member.

Often, this results in a lot of employees taking trips together and building a sense of unity among the company.

"I think it's important that everyone be able to essentially really, truly leave work," Douglas said. While coworkers are taking a break, they're also forging friendships that help foster better productivity in the office.



A mutual give-and-take mindset gets the best out of people.

People seem to recognize how unusual their benefits are and reciprocate loyalty in their work ethic, Douglas explained.

"Everyone works pretty hard, but I think they feel like there's a give and take," he said. 

A lot of people at the company take business trips, which may feel like a vacation at first. But over time they can feel more like a chore. Douglas said the policies help counter-balance the required travel.



See the rest of the story at Business Insider

China has a supermarket unlike anything in the US — and it has 2 major advantages over Amazon Go

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Hema

  • Alibaba is expanding Hema, a chain of cashless supermarkets.
  • The stores are sprawling and offer a giant selection of fresh food, including seafood that shoppers can select and send to the kitchen to be cooked before the end of their trip. 
  • Shoppers can also order groceries online for delivery in under 30 minutes. 
  • Customers use their smartphones to shop and pay for their groceries at Hema.


The biggest e-commerce company in China, Alibaba, is growing a chain of cashless supermarkets unlike anything in the US. The chain, called Hema, will double its locations in China to nearly 60 this year.

Shoppers use their phones to pay for food at Hema, much like at Amazon's new cashierless stores, Amazon Go

But Hema also has two other key services: chefs that will cook shoppers' groceries on demand, and couriers that deliver online orders in under 30 minutes.

Here's what Hema is like. 

SEE ALSO: A Kroger-Alibaba deal could thwart Amazon's Whole Foods ambitions

Hema is a sprawling supermarket that is primarily focused on fresh foods like meat, seafood, vegetables, and fruit, as well as prepared foods.



The market has a giant seafood selection where customers can select their own seafood and send it to the kitchen to be cooked before they leave the store.



Customers can also bag their seafood and take it home raw to cook themselves, or have it delivered to their homes within 30 minutes.



See the rest of the story at Business Insider

We compared the calories in popular foods and alcoholic drinks — and it reveals a truth about weight gain

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BI Graphics_How many calories are you drinking

  • Alcoholic drinks can be a significant source of carbohydrates and sugar.
  • A pint of cider has roughly the same number of calories and grams of carbs as a slice of cheese pizza.
  • Several studies have documented a link between heavy drinking and weight gain.


Alcohol is not a low-calorie food.

It's no surprise, then, that researchers have documented links between heavy drinking and weight gain.

Aside from alcohol's high calorie count, several other factors may contribute to the tendency for people to put on weight when they drink regularly — from underestimating how much is going into a glass to eating more food while drinking.

Alcohol can also be a significant source of the carbohydrates and sugar in your diet. Scroll to find out your favorite drinks stack up:

DON'T MISS: I tried the science-backed 7-minute routine that was one of 2017's hottest workouts, and it actually works

SEE ALSO: We took a scientific look at whether weed or alcohol is worse for you — and there appears to be a winner







See the rest of the story at Business Insider

5 tech industry moguls who raise their kids nearly tech-free

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Bill Gates Jennifer Gates

Just because someone works in Silicon Valley doesn't mean they'll be a techie parent.

In fact, some of the highest-profile executives in the tech world, including former Microsoft CEO Bill Gates and current Apple CEO Tim Cook, take surprisingly low-tech approaches to raising their kids.

The approach stems partly from tech parents realizing the power of the products they create, and knowing large doses of those products aren't necessarily good for growing brains.

Here are a handful of tech executives who take the low-tech approach.

SEE ALSO: Bill Gates and Steve Jobs raised their kids tech-free — and it should've been a red flag

Bill Gates set an age limit for cell phones.

Each of the billionaire philanthropist's three kids are older now, but when they were younger Gates and his wife prohibited them from having their own phones before age 14.

The policy stemmed from a 2007 incident in which Gates felt his daughter was spending too much time playing a video game.

"We often set a time after which there is no screen time and in their case that helps them get to sleep at a reasonable hour," he told the Mirror in April 2017.



Steve Jobs banned his own tech at home.

Jobs, the CEO of Apple until his death in 2012, revealed in a 2011 New York Times interview that he prohibited his kids from using the newly-released iPad.

"We limit how much technology our kids use at home," Jobs told reporter Nick Bilton.

The late-CEO was famously interested in Zen Buddhism, believing in the value of minimalism. His first home in Palo Alto, California had hardly any furniture.



Tim Cook doesn't want his nephew using social networks.

Cook, the current Apple CEO, said in January that he doesn't allow his nephew to join online social networks. 

"I don't have a kid, but I have a nephew that I put some boundaries on," Cook said, according to The Guardian, conceding Apple products aren’t meant for constant use.

"I'm not a person that says we've achieved success if you're using it all the time," he said. "I don't subscribe to that at all."



See the rest of the story at Business Insider

The 10 best (and 2 worst) Super Bowl halftime performances — watch

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prince

Not everyone watches the Super Bowl for the football: Last year, Lady Gaga’s halftime show on Fox was viewed by 117.5 million people, which is nearly six million more than watched the New England Patriots’ thrilling (or crushing) overtime victory over the Atlanta Falcons.

The Super Bowl halftime show is a condensed stadium show that runs between 11 and 13 minutes and has featured headliners ranging from rock legends like Bruce Springsteen, Paul McCartney, the Rolling Stones, Tom Petty and The Who to pop divas Madonna and Katy Perry to R&B-leaning artists Prince, Michael Jackson, Beyonce, Bruno Mars and this year’s headliner, Justin Timberlake.

The halftime show wasn’t always such a superstar-driven extravaganza. Before Michael Jackson upped the show’s game in 1993, previous years’ entertainment included Up with People, the Los Angeles Super Drill Team, assorted college marching bands, the Rockettes and Chubby Checker, salutes to Hollywood, the Big Band era and Duke Ellington. The 1995 show was dubbed “Indiana Jones and the Temple of the Forbidden Eye” and featured Tony Bennett, Patti LaBelle, Arturo Sandoval and the Miami Sound Machine. (Hey NFL, maybe they’re all available next year…)

Any “best” list is purely subjective and this one is no exception, but this reflects the opinions of many friends and acquaintances we’ve spoken with over the years, not to mention countless other online article like this one. Without further ado, our Top 10 (and bottom two) …

SEE ALSO: The 50 best TV show seasons of all time, according to critics

1. Prince (XLI, Feb. 4, 2007 at Dolphin Stadium in Miami)

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As a drizzling rain enveloped the field, the Purple One took to the stage for a jaw-dropping dozen minutes which included covers of “We Will Rock You,” “Proud Mary,” a medley of “All Along the Watchtower” and just for good measure, Foo Fighters’ “Best of You” (keyboardist Morris Hayes said the song’s title fit the Super Bowl’s championship theme). He also performed “1999/Baby I’m a Star” with the Florida A&M Marching Band and finished with the weather-appropriate “Purple Rain,” perhaps the greatest live version of the song he ever performed. And it wouldn’t be a Prince show without controversy: As he played the song’s soaring solo on his trademarked curlicue guitar, his silhouette was projected on a giant banner, and the lower part of his guitar looked like… well…



2. Michael Jackson (XXVII, Jan. 31, 1993 at the Rose Bowl in Pasadena, Calif.)

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Marking the beginning of the Super Bowl’s modern halftime-show era, the King of Pop starred in one of the most-watched events in U.S. television history, a five-song set that included “Billie Jean,” “Black or White,” “We Are the World” and “Heal the World.” Clad in a trademark brass-buttoned military style outfit, Jackson used body-doubles to make it look like he teleported himself across the field, exploding out of the bottom of the stage, staring for 90 seconds before launching into “Jam.” Nobody even seemed to mind that it was all sung to backing track.



3. Beyonce, Destiny’s Child (XLVII, Feb. 3, 2013 at the Mercedes-Benz Superdome in New Orleans)

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Lady Bey would return three years later with Coldplay and Bruno Mars, but this was her coming-out party. She started off with an a cappella “Love on Top,” then roared into “Crazy In Love,” “End of Time” and “Baby Boy” before bringing on Michelle Williams and Kelly Rowland for “Bootylicious,” “Independent Women Part 1” and a show-stopping “Single Ladies.”



See the rest of the story at Business Insider

BANK OF AMERICA: These 17 stocks could get crushed by higher interest rates

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jerome powell frown

Interest rates are on the rise. 

The Federal Reserve on Wednesday held its benchmark rate unchanged, as expected. But its statement had a more aggressive view on the path of inflation over the next year, solidifying the market's view that rates are likely headed higher.

Concerns about higher inflation and interest rates were most evident earlier in the week, when stocks had one of their steepest drops since Brexit as the bond market also sold off.

Bank of America Merrill Lynch has identified stocks on the S&P 500 that could be hardest hit by a higher 10-year yield based on how the stocks have historically responded to changes in rates.

The equity strategists led by Savita Subramanian explained in a January 30 note: "Screens are based on a regression of stocks' monthly excess returns vs. monthly changes in the nominal and real 10yr yields, including only those stocks with beta (slope) that is statistically significant at the 5% level and who have at least 10 years of monthly returns. Regression data is based on the time period from 1972-12/31/17 for nominal yields and June 1990-12/31/17 for real yields."

Here are the 18 stocks that top the list. 

SEE ALSO: What a $2.8 trillion asset manager is watching for proof that the bull market in stocks is really over

Dominion Energy Inc.

Ticker:D

Sector: Utilities

Nominal interest rate beta: -4.1

 



Mid-America Apartment Communities, Inc.

Ticker: MAA

Sector: Real Estate

Nominal interest rate beta: -4.2

 



Southern Company

Ticker: SO

Sector: Utilities

Nominal interest rate beta: -4.2

 



See the rest of the story at Business Insider

Here's what it costs to ride the subway in 11 major US cities

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New York Subway conductor

  • The BART, which runs through Oakland and San Francisco, can cost $10 for a single ride.
  • Dallas and Houston — both with above ground light rails — have the cheapest trips on the list.
  • New York's subway is one of the largest and oldest transit systems in the world and costs $2.75 per ride.

 

Public transportation isn't free.

New York City's subway system — the most-used metro rail system in the country — brings nearly two billion passengers to their destination annually. From work, to the mall, to the beach, urban dwellers and tourists rely on metros and light rails around the country.

Costs for these transit systems vary from city to city — sometimes depending on time of day or distance travelled. 

We took a look at 11 cities and metro areas and compared the cost for a single, standard ride on the subway.

SEE ALSO: Say what you want about the NYC subway — there's one thing that makes it much better than most other subways in the world

DON'T MISS: Seattle is building the world's first floating passenger train

New York City

Name: The subway

Fare: $2.75

Source: MTA



Dallas

Name: DART (Dallas Area Rapid Transit)

Fare: $1.75 for midday, $2.50 for a two-hour local pass

Source: DART

 



Washington D.C.

Name: The Metro

Fare: $2.00 - $6.00 (based on distance and time of day)

Source: WMATA



See the rest of the story at Business Insider

The 27 best bets you can make on the greatest gambling day of the year — Super Bowl Sunday

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Tom Brady

After months of enthralling football action and a postseason filled with solid games, we've finally made it to the Super Bowl.

On Sunday the Philadelphia Eagles will face the New England Patriots in Super Bowl LII in Minneapolis. One team is looking to further cement its legacy as the greatest dynasty in football history, and the other hoping to bring its first ever Lombardi Trophy home to the City of Brotherly Love.

But it's not just a compelling contest as a football fan — it's also the greatest gambling day of the year.

Through the playoffs, we've been betting every game against the spread, plus picking a few props to hopefully pick up a little cash. After a solid week last week, we're back in the black, and this week we leave every hypothetical dime we have on the line.

As a Philadelphia native, I obviously have a dog in this fight, but I vow I've done my best to prevent my green-tinted glassed from altering my view of what makes a good bet.

The Las Vegas Hilton SuperBook has released over 400 prop bets for the Super Bowl, ranging from the expected to the absurd. Below we'll go through the 27 best bets of the Super Bowl to send you home a winner.

Philadelphia Eagles (+4.5) vs. New England Patriots

The pick: Eagles +4.5 ($880 to win $800)

The logic: Again, I'm an Eagles fan by trade, so feel free to dismiss my support as homerism. But I like the Birds here. Nick Foles will have had two weeks to prepare, and head coach Doug Pederson has called two perfect games so far in the postseason. If he can call a third one, I think the Eagles take home their first Super Bowl in franchise history.

Outside of my personal hopes and dreams, the Eagles look like a solid value with the points. This iteration of the Patriots is the most successful in Super Bowl history, but they aren't especially known for blowing teams out. Last year's six-point win over the Falcons was the largest of the Brady-Belichick era, with their four other wins all coming by four points or less.



Over/Under 48 total points scored in the game

The pick: Under 48 ($330 to win $300)

The logic: The Eagles defense has been one of the most reliable units in football all year, and have only stepped up their game since the injury of Carson Wentz. This is a tough number to beat, and I expect the total to come down to the wire, but if you feel like you have to make a bet, I'd lean with the under.



Alternative line: Eagles (-10.5) over Patriots (+550)

The pick: Eagles -10.5 ($100 to win $550)

The logic: For the Super Bowl some books will offer "alternative lines" in which the point spread is adjusted and odds are reapplied. As a Philly nut, I like the Eagles -10.5 and the 11/2 odds that you can get at that price. I don't expect the Eagles to blow this game out by any means, but if they're up four late, the Birds have shown a tendency to score late to make close games look like a blowout.

Conversely, if you'd rather bet the Patriots to win in a rout, you can get New England -17.5 at the same odds.



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A robot bartender served me drinks — and while it's a cool gimmick, it won't be stealing jobs any time soon

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Bionic Bar Pouring

  • The Bionic Bar is a feature on several Royal Caribbean cruise ships.
  • Guests order drinks on a tablet and a mechanical arm prepares the cocktail.
  • Drinks cost $13 from the Bionic Bar, which has too many flaws to be anything more than a novelty for the time being.

 

A robot is serving you drinks ...

This is not the beginning of a pub joke. On a recent vacation aboard a Royal Caribbean cruise ship, my bartender was a bionic arm that compliantly took my order and shook up a cocktail.

Cruise line Royal Caribbean has started experimenting on several of its ships with the Bionic Bar. The bar and machinery is produced by Makr Shakr. The robotics team claims to have served nearly 310,000 drinks.

By 2030, 400 million jobs could be replaced by automation worldwide, a McKinsey study found. Service jobs are especially vulnerable to automation, but there is at least one job that's safe for now: At least from what I saw, mechanical bartenders aren't a threat.

Here's what it was like to be served by a robot:

SEE ALSO: Here's the favorite drink of every US president

SEE ALSO: Richard Branson's Virgin Voyages is launching a cruise ship for adults only

The Bionic Bar is just one of several bar options on each boat, so cruisers can sit and sip at a traditional bar if they prefer.



On the Anthem, the ship I sailed, all drinks from the Bionic Bar cost $13, the same as many drinks at the ship's other, human-run bars. A tip was automatically added to the bill — and that all went directly to the cruise instead of directly to a bartender.



There are two bartenders and a corresponding tablet for each. Customers place their order on the tablet and pay with the room ID card used aboard the ship. Options include popular cocktails as well as some unusual concoctions.



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A typical day in the life of a person living in Moscow — from what they eat for breakfast to how they spend their free time

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russia fan

For tourists, Moscow is known for sites like the Red Square, St. Basil's Cathedral, and the Kremlin.

But what is it like for people who actually live in Moscow?

For the 12 million or so people who live in Russia's capital, the average day is filled with work, local cuisine, and lots of traffic.

Read on to see what a typical day in Moscow is like:

SEE ALSO: 12 things Europeans think are weird about the US

DON'T MISS: 13 ways other countries are leaving the US in the dust

A typical breakfast in Moscow is a kolbasa sausage on rye bread with cheese.

Source: Understand Russia



Traffic in Moscow is notoriously bad — it's normal to commute for an hour or more to get to work each morning.

Source: Understand Russia



The Moscow Metro is another transportation option. But trains are extremely crowded, and stations are often inconveniently located for many residents.

Source: Understand Russia



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Meet the 30-year-old Manhattanite who works at a hot tech startup all day and sells sweatpant overalls as a side hustle

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BirchBox Side Hustle

• Kyle Bergman is the senior buyer for men's grooming and lifestyle at Birchbox, a beauty subscription service.

• He also runs The Great Fantastic on the side — selling sweatpant overalls, or "swoveralls."

• In the rest of his spare time, Bergman plays lacrosse for the Israeli national team, teaches a class at OrangeTheory Fitness, and attends a part-time MBA program at NYU.



Kyle Bergman's always been a busy person.

He attributes that to his years as a student-athlete in college. He also credits his productive parents, who he said seemed to handle their packed schedules with ease.

"I was kind of already conditioned to juggle a lot," he told Business Insider. "It's really what gives me energy now. It's really what gets me up in the morning and excited."

Today, he's juggling quite a bit. Not only does he have a full-time job at beauty subscription service Birchbox, he also runs The Great Fantastic, his side business that sells sweatpant overalls. He also plays for the Israeli national lacrosse team and is in a part-time MBA program at NYU.

So how does he stay productive while managing so many activities?

"I'm not the most organized person, but I live and die by my calendar, whether it's scheduling to pay rent or doing a strategy presentation for my job at Birchbox," he said. "Everything is on my calendar."

Here's a look inside his jam-packed daily schedule:

SEE ALSO: A day in the life of Birchbox CEO Katia Beauchamp, who swaps coffee for meditation and refuses to let her inbox 'be the boss'

Bergman wakes up around 5:00 a.m. on days when he's going to work out at OrangeTheory Fitness, where he also coaches a weekly class. He said rising early and exercising are "like religion" to him. "Getting up before the sun and getting my body running on endorphins as soon as possible is the number one life hack," he said.



The exercise is also a crucial component of one of his leisure activities. As a member of the Israeli national lacrosse team, he strives to stay in shape. He often travels on weekends to play with the team. He's looking forward to the 2018 World Lacrosse Championships, which will be held this summer in Netanya, Israel.



After the work out, he'll head back home to shower — and potentially test out prospective grooming brands in the process. Breakfast usually consists of coffee and an omelette. When it's not too cold out, he'll cycle to work to avoid the crush of subway riders. He typically arrives at Birchbox between 7:45 and 8:15 a.m.



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10 questions you've never asked yourself that could tell you what to do with your life

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woman thinking focused

  • Sometimes figuring out what you should be doing with your life or career can be challenging. 
  • There are a few questions you can ask yourself to find the answers. 
  • If someone gave you $250k for an advanced degree, what would you pursue? 
  • Another great question is: What's one of the best regular days of your life?

SEE ALSO: 5 super-successful people share the one hack they use to make the most of their time

1. Of whom are you jealous?

Jealousy is often described as a sin, but there are ways to make jealousy work for you. Jealousy is a key indicator of something someone else has that you want. As a career and life coach, identifying my clients' jealousy often helps me zero in on things they want.

If you find yourself envious of a friend who is a corporate lawyer, even though you have no interest in the law, what can we learn from that? Dig deeper. Are you jealous of her prestige or advanced degree? The travel she does? The amazing suits? The money? How do you feel about the crazy hours she works and the fact that she has no personal life?

Identifying people of whom you're jealous, and which specific aspects of their work or life you wish you had for yourself, can help you determine the specific components of a job or life that you want. Think about three to five people of whom you're jealous. Then, dig down deep to find the specific aspects of their life that make you most green-eyed.



2. If I gave you $250K for an advanced degree, how would you spend it?

That's a lot of money—enough to become a doctor, a lawyer, and more than enough to become a pilot or a chef. How would you spend this big budget? What would you like to learn? After all, learning is work you do for free; in fact, you pay for the privilege. You may be in it for the intellectual challenge (learning to speak Japanese) or for the skill you'll gain (flying a plane or cooking a great meal).

I once worked with a client who was an extraordinarily busy mom, responsible for her children, parents, pets, and a foreign exchange student and whose husband traveled extensively for work. We were working on her next career move when she realized that she had an incredibly important job as a homemaker. Many people relied on her, and she enjoyed this meaningful work. What she wanted was more opportunities to take care of herself. She pursued yoga certification, not because she wanted to teach, but because she wanted to learn self-care for the pure joy of obtaining knowledge. Check out these surprising ways people found their dream careers—and how you can too.



3. Who are your top three role models?

It can be anyone: Beyonce, Eleanor Roosevelt, Malala.

Think of three people who deeply inspire you. Then, determine what specifically about each of these people inspires you. I liked Eleanor because she was quoted as saying she "didn't have time for manicures;" she had too much work to do! Malala's intelligence and dedication to improving humanity inspires me, and the fact that she's done so much at such a young age with grace and humor sets her apart. Beyonce entertains while telling deeply moving, personal stories. All of these women are brave and committed to the stories they need to tell, and they inspire others to action.

Who are your role models? Why? What are the common threads? This can help you identify your core values. And values are always part of your passion.



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