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The rise of KSI, the 25-year-old millionaire who's fighting Logan Paul after inventing YouTube boxing matches

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KSI

You're only going to hear more about KSI over the next month.

The 25-year-old British YouTube star is facing off against one of the biggest and most controversial vloggers on the planet: Logan Paul. The two will duke it out at a boxing match at Manchester Arena in August, which has a 21,000 capacity.

YouTube boxing matches are a hot new trend, kickstarted by KSI. Although the British vlogger first made his name playing video games on YouTube, he's pioneered boxing events as a way to whip up famous YouTubers' huge followings. The real-life matches could generate millions of pounds in ticket, merchandise, and streaming sales.

Here's how KSI, real name Olajide "JJ" William Olatunji, went from a suburban London upbringing to becoming one of the biggest YouTube stars in the world.

SEE ALSO: YouTuber Logan Paul stormed out of a ridiculous press conference with KSI ahead of their big boxing fight

KSI was born in London, after his parents moved to the UK from Nigeria. "They would work their asses off," he told The Sun in an interview.



He eventually moved with his parents out to the suburbs of Watford and went to a fee-paying school. It would now cost you £20,000 ($26,000) a year to send your child to the "posh" Berkhamsted School.



Despite the expensive education, KSI said he discovered YouTube from the age of about 15 and ended up failing his A-Levels. "Back then, people would be like: 'What are you doing? You're such a weirdo. Why are you making videos online?'" he told the Sun.



See the rest of the story at Business Insider

The best candid photos of Prince Harry, Meghan Markle, Princess Charlotte, and the whole royal family from 2018

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Meghan Markle Prince Harry Prince William Kate Middleton

The first half of 2018 has been big for the royal family, with a wedding, a birth, and christening as well as a packed schedule of events and foreign trips.

Most of these moments show members of the family at their most composed, ready for the cameras and the crowds.

But sometimes we get to see the family in genuine moments of laughter or contemplation, and generally acting like a regular family.

And as the family expands and changes, we get even more chances to see the royals together.

Here are the best candid moments from the year so far.

In January, Kate Middleton and Prince William visited Sweden, where Kate tried her arm at a form of ice hockey called Bandy hockey and William laughed along.



The pair knew their family would grow this year, with Prince Harry and Meghan Markle's engagement, plus a new baby on the way. Here is the foursome laughing away at a Royal Foundation event in February, where Kate is visibly pregnant.



But the Queen was sure to remain in the public eye as the head of the family, chatting with American Vogue Editor Anna Wintour at the front row of London Fashion Week that same month.



See the rest of the story at Business Insider

The 10 hottest fashion brands in the world right now

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Cameron Dallas walks the runway at the Dolce & Gabbana show during Milan Men's Fashion Week Spring/Summer 2019 on June 16, 2018 in Milan, Italy.

The battle of the brands wages on.

Every quarter, fashion search platform Lyst analyses the behaviour of more than five million online shoppers to determine the hottest brands and products.

The Q2 (April-June) results are in and it's good news for Nike and Versace, who broke the top 10 after climbing 20 or more places.

Lyst takes into account data from its own search engine and Google as well as engagement statistics, conversion rates and sales worldwide to form its quarterly Index.

Rising through the ranks can come down to one great commission — as demonstrated by Givenchy who rose two places after dressing Meghan Markle for the royal wedding in June.

Scroll down to see who took the top spot and who is rising — and falling — through the rankings.

SEE ALSO: These $850 platform crocs are officially one of 2018's 'hottest' trends — and people have a lot of questions

10. Prada.

Up one place since Q1. Lyst says Prada's reinvention of its signature nylon accessories helped push it back into the top 10 this quarter.



9. Nike.

Up a grand 11 places since Q1. The only sportswear brand in the ranking, Nike shares are at an all-time high after the brand saw a major sales rebound in North America.

"They are becoming a halo brand," Jessica Ramirez, retail analyst at Jane Hali & Associates, told Reuters in June.



8. Fendi.

Rising nine places since Q1, Fendi cashed in on the logomania craze by reinventing its FF "Zucca" monogram.



See the rest of the story at Business Insider

How to build the perfect summer capsule wardrobe for work

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office coworkers meeting


A capsule wardrobe is a collection of just a few dozen clothing pieces that can be combined to make hundreds of outfits.

Think Mark Zuckerberg's allegiance to a t-shirt and jeans, but with a lot more style. 

If you want to save money or just pare down your possessions, creating a capsule wardrobe might be the ideal move for you. It can also cut down on decision fatigue, the exhaustion we feel as we use up willpower making mundane daily choices like what to wear and where to grab lunch. 

But building an entire one from scratch may be intimidating. Image curator Scarlett De Bease, style coach Stasia Savasuk, and Lauren Bowling, an editor at the Financial Best Life and author of "The Millennial Homeowner: A Guide to Successfully Navigating Your First Home Purchase" shared their tips on creating a capsule wardrobe. 

Here's how to make a capsule wardrobe that can keep you professional, sweat-free, and stylish this summer. 

SEE ALSO: 13 things you should never wear to work in the summer

DON'T MISS: How to dress for your first job without blowing your paycheck

Women can choose three to five bottoms and five to 10 blouses

For women, Savasuk recommended three to five basic bottoms with five to 10 blouses and shirts — or five to 10 dresses.

De Bease recommended two to three pants, eight tops, and two casual jackets or cardigans.

"With the addition of necklaces, earrings, shoes and scarves that suit your character and personality, and you can personalize these professional outfits to reflect your own personal style," Savasuk told Business Insider.

 



Men can buy three to five pairs of pants and up to 10 shirts

For men, Savasuk said to choose three to five pairs of pants with five to 10 high-quality button-downs.

"If ties are required, purchase a few that reflect your character and personality, so you can bring your own flavor to 'business professional,'" Savasuk said.

 



Stick to a few colors

Whether you're buying new pieces or just shopping your closet, sticking to mostly neutral colors is important. 

Griffin recommended picking a neutral base like black or gray for most of your pieces, and a few articles of clothing in accent colors like blue or red.

"Everything should work together," Griffin told Business Insider. "You shouldn't have any closet singletons."

It might seem boring, but it's important so you can mix and match pieces. Having tops and bottoms in all shades of the rainbow is exciting until you realize you can only wear your striped yellow pants with the one black shirt you decided to buy.



See the rest of the story at Business Insider

12 clever ways to save money every day, according to financial experts

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Money

  • Money-saving tactics can often be unrealistic or forced.
  • There are easy ways to spend and save money every day, like removing stored credit card numbers, implementing a 48-rule of spending, and logging every expense.
  • Here are 12 unusual ways you can save money every day.

 

While you may already be familiar with some money-saving tactics— such as bringing your lunch to work instead of buying it or getting fewer cups of coffee out — there are more creative ways to save money every day that you may not yet be doing.

After all, when it comes to money matters, every cent does add up — literally.

For instance, I used to fall into the buy-lunch-at-work trap. Even though I’d aim to only spend up to $10 per day in the work cafeteria or going out with friends, that number would often inch up.

Once I added up how much I was spending per week, I realized that money was better off in savings or my emergency fund versus in overpriced lunches that I didn't even enjoy that much.

Bank of America’s recent Better Money Habits Millennial Report found that 73% of millennials (ages 23-37) said their generation overspends on unnecessary indulgences. In addition, 35% of millennials reported not saving enough, while 17% said they spend more than they should.

All that said, there are many under-the-radar ways to save more money each day. Below, experts weigh in:

SEE ALSO: 6 things people who are good with money always splurge on

1. Automate small amounts of money

You may already pay your bills and add to your savings through automatic transfers, but once you start automating smaller amounts, they'll add up to bigger ones. For example, once I eliminated buying lunch at work and daily Starbucks runs, that was approximately $20 a day I was not spending, which meant an extra $100 per week toward my savings just from skipping frivolous lunches and coffees.

"Automate weekly savings for small amounts you won’t miss, even as little as $10 or $20 per week," Andrea Woroch, a nationally-recognized consumer expert, told Business Insider. "These small amounts will build quickly over time and you will learn to live without those extra funds." 

She also recommended putting the money toward an online savings account that offers a higher interest rate than savings account at traditional banks.



2. Create a 48-hour rule and remove stored credit card numbers

The speed and simplicity of online shopping make it easy to fall into the habit of impulse buying clothes and other items. "To prevent impulse purchases, wait 48 hours after identifying something you’d like to purchase," Chris Whitlow, CEO of workplace financial education company Edukate, told Business Insider. "This will separate your need spends from your want spends."

Similarly, having your credit card numbers stored online may be efficient, but it’s also dangerous as far as spending money is concerned. "Removing this information can save you fromimpulse shopping, and allows you to cut back on the amount of money you spend," Jennifer McDermott, consumer advocate at finder.com, told Business Insider. "Plus, the more time you have to think about a purchase, the more likely you’ll make a better financial decision."



3. Take public transportation or walk

Yes, it may be convenient to drive, but is it cost-effective? "Stop driving your own car to work every day," Andrei Vasilescu, CEO of money-saving platform DontPayFull, told Business Insider.  

"Instead, use public transportation, such as trains, buses, or shared vehicles, or try biking or walking for a few miles every day. This will extensively save your wallet and health at the same time." Plus, there are a lot of extraneous costs involved with owning a car, from insurance to parking fees.



See the rest of the story at Business Insider

8 laptops for people who want the absolute best

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dell xps 13

Sometimes you just want the best. 

No matter the price, and no questions asked. 

If you want the best possible laptop experience, you need to think about four main things:

  • A slim premium design and materials
  • A sharp display
  • An Intel Core i7 processor
  • And at least 16GB of RAM

It's tough to say which of these 4 checklist items matter the most — each person might value one particular element more than another. One of the factors that makes the biggest difference, in my opinion, is the screen resolution. After using laptops and computer monitors with high-end 1400p and 4K resolutions, laptops with standard less-sharp 1080p resolutions feel decidedly less premium.

Keen spec-watchers out there might argue that you don't need a powerful Intel Core i7 processor, as it can be overkill for everyday computer tasks. For the average user, many would say an Intel Core i5 gives the best bang for the buck.

Normally, I'd agree. But these laptops aren't for people who care whether they're getting the best value. We're talking about machines that will give you the confidence that you're getting the smoothest and best performance for anything you might want to do on a computer, and a Core i7 will deliver just that.

That's also why you can't settle for 8GB of RAM. You'll need 16GB to ensure smooth and snappy performance, especially if you like to run lots of memory-hungry apps at the same time, or keep dozens of browser tabs open.

With that in mind, we set out to find the "best-of-breed" laptops  on the market, the ones that best combine our four criteria to provide the ultimate laptop experience.  

Note that I upgraded the storage on some of these machines to 500GB if their standard configurations come with 250GB. If you don't think you'll need 500GB of storage, you can always downgrade to a smaller storage option. 

Check out the eight laptops, ranked in order of my preference, that will give you a premium, top-of-the-line experience:

SEE ALSO: I compared Google's Chrome browser with its No. 1 competitor — and the winner was clear

8. Refurbished 13-inch 2017 MacBook Pro (with reservations, not the 2018 model)

Price:$2,380

Screen size: 13.3-inch

Screen resolution: 2560 x 1600 (similar sharpness as 1400p)

Touchscreen: No

CPU: Intel Core i7-7567U (2 cores up to 4.0 GHz)

RAM: 16GB

Graphics chip: None

Storage: 1TB SSD

Ports: 4 Thunderbolt 3 USB-C

Worth noting:

Good: I can fully recommend refurbished Macs for their quality and like-new presentation. Runs clean and simple macOS. Repairs at Apple store are usually easier than getting Windows 10 laptop repaired. 

Bad: Much more expensive than others on this list. Runs on last year's 7th-generation Intel CPU. Known issue with Apple's butterfly keyboard, Apple offers free repairs for four years as of the date of purchase. 2018 model also has butterfly keyboard, but it's unclear if it's more reliable, and it's not included in Apple's keyboard repair program, so I can't recommend it. No standard USB ports. 



7. Refurbished 15-inch 2017 MacBook Pro (with reservations, not the 2018 model)

Price:$2,760

Screen size: 15.4-inch

Screen resolution: 2880 x 1800 (sharper than 1440p 2K, less sharp than 4K)

Touchscreen: No

CPU: Intel Core i7-7920HQ (4 cores up to 4.1 GHz)

RAM: 16GB

Graphics chip: AMD Radeon Pro 560 (4GB, similar performance to NVidia GTX 1050Ti)

Storage: 1TB SSD

Ports: 4 Thunderbolt 3 USB-C

Worth noting:

Good: I can fully recommend refurbished Macs for their quality and like-new presentation. Runs clean and simple macOS. Repairs at Apple store are usually easier than getting Windows 10 laptop repaired. 

Bad: Much more expensive than others on this list. Runs on last year's 7th-generation Intel CPU. Known issue with Apple's butterfly keyboard, Apple offers free repairs for four years as of the date of purchase. 2018 model with newer specs also has butterfly keyboard, and it's unclear if it's more reliable, and it's not included in Apple's keyboard repair program, so I can't recommend it. No standard USB ports. 



6. Dell XPS 13

Price:$1,900

Screen size: 13.3-inch

Screen resolution: 4K

Touchscreen: Yes

CPU: Intel Core i7-8550U (4 cores up to 4.0GHz)

RAM: 16GB

Graphics chips: None

Storage: 512GB SSD

Ports: microSD slot, 1x USB-C 3.1, 2x USB-C Thunderbolt 3

Worth noting:

Good: Slim bezels deliver premium experience. 

Bad: Expensive compared to others in this list.  No standard USB ports. 



See the rest of the story at Business Insider

A Tsunami of money could be headed Tesla's way in the next year — and that’s bad news for the bears (TSLA)

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Tesla Model 3

  • Tesla investors have been preoccupied with the Model 3, Elon Musk's behavior, and the promise of profits — but they've been overlooking Tesla's potential surge in revenues.
  • Tesla could see massive topline improvements over the next year and a half.
  • If Tesla can ride out its current assorted crises, this ocean of forthcoming cash could take the company to a new level and undermine the bear thesis.

If you've been closely following Tesla and CEO Elon Musk for the past six months, you could be forgiven for thinking that the company is on the ropes and that Musk's days are numbered.

There was the first-quarter earnings-call outburst. The Twitter feuds. The mini-sub fracas. The open letter begging Musk to cool it.

Meanwhile, Tesla's business continued to chug along. The carmaker will report second-quarter earnings in a few weeks, and while the "earnings" are again expected by analysts to be extremely negative and Tesla's cash-burn anticipated to be staggering, revenue should continue a trend.

Tesla has been adding about $200 million to the topline every quarter for several years. In only one of those recent quarters — Q3 2016 — did the company post a profit, due largely to the sale of a zero-emissions credits, which Tesla can stockpile thanks to its status as an automaker that sells only electric vehicles.

Forgetting about the company's solar and energy-storage businesses, automotive revenue has come via the high-priced Model S sedan and Model X SUV, both of which sell for around $100,000 on average. Last year, Tesla delivered about 100,000 examples of these vehicles and should repeat that in 2018. 

This brings us to the Model 3, Tesla's less expensive and much-troubled vehicle. After launching in July of 2017, the Model 3 has endured a fraught birth, routinely failing to hit production targets. Teslas celebrated a run-rate of 5,000 Model 3's per week at the end of June, a pace that may or may not be sustainable.

But lost in the brouhaha over Tesla's woes as a manufacturing enterprise is the simple fact that if 5,000-per-week could be tough to sustain, 2,000 per week should be far easier. And the Model 3's Tesla is now building aren't the el-cheapo $35,000 versions; they're the costly upmarket trim levels, with the most expensive topping out at nearly $80,000.

Over a six-month period, that translates into $2.4 billion in revenue — or, by my math, over ten times in topline improvement in two quarters, rather than a time period of more than two years at Tesla's historic rate of growth.

That's a tsunami of cash on the way for Tesla, and I've been conservative in my estimates. Very conservative.

There's no guarantee that the surge in revenue will convert to bottom-line profits. Tesla might still have to raise funds in 2018 or 2019. But the intensified cash-flow is going to be an issue for Tesla bears. A major issue.

Here's why:

 

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Despite Tesla's wild ride in 2018, the stock is flat.

Since the beginning of 2018, Tesla stock has surged and retreated, but headed into Q2 earnings, at around $320 per share, is only down 1% year-to-date.

Over a 12-month period, it's down 2.5%. If you move out five years, it's up over 160%, and all-time, it's returned more than 1,000%. 

The takeaway here is twofold. For the bulls, the situation is tricky because much of the upside could have passed, leaving Tesla as a less go-go investment for the future, even if revenues explode and profits arrive.

For the bears, it's clear that wagering on the bad news has been sucker's bet. Tesla's big institutional investors haven't raced for the exits, and shares have fended off many waves of negativity. 

Both sides have a challenge, but for the bears, it's really a game of beat-the-clock against the topline. Tesla could lose 50% of its pre-orders for the Model 3 and still have 200,000 on the books. And sustaining production for the vehicle at a modest 2,000 per week still means about $5 billion in additional annual revenue. 

That might not get it done with some of Musk's more ambitious goals — semi-trucks, pickup trucks — but it will be tough for naysayers to avoid drowning in a small sea of new cash.



Reviews of the Model 3 have been mostly positive.

I drove the Model 3 earlier this year and thought it was terrific. Other reviewers have been similarly impressed.

There have been some complaints about build quality, but there were complaints about build quality for the Model S and Model X when they first launched. And the majority of Model 3 buyers, panel gaps and other manufacturing issues aren't going to register — as long as the car serves up its Tesla-ness, looking cool and high-tech, owners will be delighted.

Even if stuff goes wrong, I suspect Tesla will continue what I like to think of as its infinity warranty and fix any and all problems. 

Counter to what some Tesla super-enthusiasts believe, the company isn't going to take over the world. But if it continues to sell vehicles that customers adore, for the most part, the cash flow won't just increase, it will become very dependable.



Elon Musk is important, but is he really great?

Tesla often cites "great man risk" in its financial filing, addressing the possibility that losing Musk would be a disaster for the company.

Musk just signed on for another 10 years, and the Tesla board has tied his pay package to a $650-billion market cap (it's just over $50 billion now), so his departure probably isn't imminent.

Folks who are exceptionally passionate about Tesla have a hard time separating Musk from the company — an investment in Tesla is a stake in Musk, the argument goes. And while that might have been true in Tesla's seat-of-the-pants early years, the company is 15 years old. If it can actually hit 250,000-500,000 in yearly Model 3 production and maintain Model S and X at 100,000, it's cash-flow pattern will be like any other significant automaker.

The business won't be about vision — it will be about balancing production against demand and trying to figure out to convert a gross-profit margin to a net margin.

This is why Musk's out-there conduct over the past six months hasn't really dented Tesla's stock price: he matters, but in the big picture, he isn't the entire company, which now has over 30,000 employees. 

The Tesla machine now runs on its own.



See the rest of the story at Business Insider

9 of the most beautiful, expensive luxury smartwatches you can buy (GOOG, GOOGL)

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4x3

The world of luxury smartwatches is a wild, wonderful, and expensive place. 

There are some that come with a justifiable price tag — like the Emporio Armani Connected, which is "only" $395.

Others, like TAG Heuer's white gold and diamond-encrusted timepiece, cost more than most people make in a year. 

And lets not forget the original luxury smartwatch, the elusive gold Apple Watch Edition, which was mostly reserved for celebrities (unfortunately, that watch will now stop getting updates from Apple, rendering it obsolete). 

These high-end watches are not intended for the masses. While they often run the same technology as many low-cost smartwatches — Google's Wear OS — luxury watches bring something else to the table, like high-grade materials, expertise in areas like fitness tracking or navigation, or a name like Movado or Breitling. 

So no, you don't exactly need a watch that costs significantly more than a mortgage — but it's fun to look. 

Here are some of the most beautiful, expensive, and downright absurd luxury smartwatches you can buy. 

SEE ALSO: This startup created a $250 smartwatch that could save your life in an emergency — here's how it works

Most fashionable: Louis Vuitton Tambour Horizon Black, $2,900

Louis Vuitton offers a few versions of the Tambour Horizon smartwatch, but the black version — which has a stainless steel polished case and a black finish — costs $2,900. 

The Tambour Horizon watch runs Google's Wear OS, formerly called Android Wear 2.0, and is compatible with both iPhone and Android devices. Louis Vuitton says the battery will last up to 22 hours with normal usage and is waterproof up to 30 meters. The watch does not have a heart rate monitor, however.

What sets the Tambour Horizon watch apart from other Android Wear watches is that it's geared toward global travelers. You can add your upcoming flights, there's a "City Guide" application, and the watch includes a 24-hour clock that shows weather and temperatures for different time zones.



Sleekest: Movado Connect, $895

The Movado Connect smartwatch comes in a few different colors and styles, but the priciest version is the stainless steel, which retails for $895. 

Beyond featuring the same sleek, minimalist design as Movado's analog watches, the Movado Connect also displays the brand's signature Museum Dial — a large metallic dot at 12 o'clock and two metal arms — when it's both awake and asleep. 

The watch runs Wear OS, which means it can display phone calls, appointments, email, messages, and social media notifications. Movado says the watch gets about one day of battery life. 



Most Expensive: TAG Heuer Connected Modular, $180,000

The main thing to know about the TAG Heuer Connected Modular watch is that it's "paved with white gold" and covered in 589 diamonds. Altogether, that makes it the most expensive smartwatch in the world, clocking in at $180,000.

The watch is both beautiful and smart, however — it runs Wear OS, so it's capable of notifications and fitness tracking. TAG Heuer says the watch gets about 25 hours of battery life. 



See the rest of the story at Business Insider

The 10 hottest SUVs this summer

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jeep grand cherokee

  • SUVs are taking over the auto market.
  • In 2017, around 40% of the 17.2 million cars and trucks sold in the US were SUVs and crossovers, according to Kelley Blue Book.
  • On Wednesday, the car-shopping website Autotrader released a list of the 10 SUVs that have received the most search traffic on its site.
  • Some of the vehicles on the list are among the best SUVs Business Insider has tested in recent years, including the Jeep Wrangler, Chevrolet Tahoe, and Honda CR-V.


SUVs are taking over the auto market.

In 2017, around 40% of the 17.2 million cars and trucks sold in the US were SUVs and crossovers, according to Kelley Blue Book.

Automakers have spent recent years adjusting their lineups to meet the shift away from sedans. General Motors and Fiat-Chrysler have decreased sedan production in recent years and, in April, Ford said it would move to eliminate nearly every vehicle in its lineup that isn't an SUV, crossover, or truck. 

"Given declining consumer demand and product profitability, the company will not invest in next generations of traditional Ford sedans for North America," the company said in a statement.

On Wednesday, the car-shopping website Autotrader released a list of the 10 SUVs that have received the most search traffic on its site.

"Utility tops the must-have list for today’s car shopper, which is why SUV sales continue to set records among buyers," Autotrader executive editor Brian Moody said in a statement.

American brands make up a majority of the list, as six out of the 10 entries are made by Ford, GM, or Fiat-Chrysler. The other four vehicles are made by Toyota or Honda.

Some of the vehicles on the list are among the best SUVs Business Insider has tested in recent years, including the Jeep Wrangler, Chevrolet Tahoe, and Honda CR-V.

These are the 10 most-searched SUVs on Autotrader.

SEE ALSO: These are the 30 best cars for summer road trips

10. Honda Pilot



9. GMC Yukon



8. Toyota Highlander



See the rest of the story at Business Insider

Step aboard the USS Coronado, part of the troubled LCS class that the US Navy recently admitted was a massive failure

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USS Coronado LCS

The US Navy announced in April that it may not deploy any littoral combat ships this year because of maintenance problems.

"Three of the Navy's four original LCSs are in maintenance now, and four of the eight block-buy ships that have commissioned already are undergoing their initial Post Shakedown Availabilities (PSA)," USNI News reported in April, citing Cmdr. John Perkins, a spokesman for Naval Surface Force Pacific.

But LCS' also have a problem with survivability, including limited anti-ship self-defense capabilities, a lack of combat radar systems and more.

The Pentagon is so concerned that LCS vessels aren't "survivable in high-intensity combat" that it's looking for a new frigate to replace them (read about one of the contenders here). 

In any event, one of the LCS that does not appear to be undergoing maintenance, according to the USNI News report, is the USS Coronado. 

Step aboard and take a look: 

SEE ALSO: We toured the heavily-armed and stealthy warship that may be the US Navy's next frigate

There are two variants of LCS — Independence and Freedom — and the Coronado is an Independence-class ship.

Source: US Navy



Independence variants are 421.5 feet long.

Source: US Navy



126.3 feet high.

Source: US Navy



See the rest of the story at Business Insider

I spent 2 years living in Malaysia — here are 14 of my favorite fruits Americans probably wouldn't recognize

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malaysian fruit

  • Southeast Asia is home to several fruits that most Americans probably haven't heard of.
  • They include the durian — the pungent "king of the fruits"— and the unusual-looking rambutan.
  • I compiled 14 of the most bizarre fruits that I tried during my two-year stay in Malaysia.


Trying new foods is one of the best parts of visiting Southeast Asia.

In the two years I lived in Malaysia, I came across dozens of fruits I had never even heard of in the United States, let alone tasted. Some of the most notable were durian — the so-called "king of the fruits" whose smell is so strong it's banned from hotels — and rambutan, nature's answer to the Koosh ball.

Nothing can compare to tasting these exotic fruits for the first time, but after one bite it's clear to see why they are so beloved throughout the region.

Here are 14 fruits from Southeast Asia that the average American didn't know existed.

SEE ALSO: 14 surprising things you didn't know about Malaysia

DON'T MISS: Inside the surreal capital city of Brunei, a tiny nation of unimaginable wealth where oil money pays for everything and half the population lives in a floating 'water village'

The quintessential Southeast Asian fruit is the durian. Malaysians call it the 'king of the fruits' and it's a source of national pride.

Source: Business Insider



Durian has an incredibly pungent taste and smell that many outsiders can't tolerate. Anthony Bourdain once said of durian, "your breath will smell as if you'd been French-kissing your dead grandmother." The fruit is banned in many Malaysian hotels.

Source: Business Insider



Speaking of forbidden fruits, the mangosteen is another popular one.



See the rest of the story at Business Insider

We drove a $70,000 Corvette and a $273,000 Aston Martin to see which car we liked better — here's the verdict

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Aston Martin DB11 Vanquish

  • The Corvette Grand Sport convertible and the Aston Martin DB11 Volante match up closely on specs, even though the Aston costs hundreds of thousands of dollars more.
  • I put both cars through their paces.
  • The Aston Martin DB11 is impressive, but the Corvette Grand Sport is the best value available in high-performance sports cars.


I've often said that Aston Martins are the thinking person's Corvettes.

But I should probably stop saying that, not least because the latest generation of the Vette, built with pride in Bowling Green, Kentucky, is the sports car many people would buy — if they thought seriously about their purchase. Basically, the Corvette is where the truly smart money should look.

That said, Aston Martins are still Aston Martins: James Bond's ride, an icon of style, expensive as all get out, but in many ways totally worth it. I often want to argue with Aston because the price tags are so high. And then I slip behind the wheel and all is immediately forgiven. 

I recently reviewed an Aston Martin DB11 Volante, a $273,244 convertible version of the DB11, the British carmaker's successor to the DB9. What a car!

But I was reminded, as I went through my usual Corvette counter-analysis, that I'd checked out a similarly spec'd Vette — the Grand Sport — a while back and was blown away by this $70,000 beast. For the record, Astons and Vettes might be separated by $200,000, but they go head to head on some of the world's greatest race tracks in endurance racing, most notably at the 24 Hours of Le Mans.

So let's say you want to drop a considerable amount of coin on an Aston — just because, you know, it's an Aston. Should you step back and potentially save yourself a few hundred grand by at least considering the Vette?

I think it's a worthy exercise. So let's get to it.

Photos by Hollis Johnson, unless otherwise indicated.

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Let's begin with the Corvette Grand Sport.



With a 460-horsepower, naturally aspirated, 6.2-liter V8 engine, the Vette gives up 45 ponies to the Aston, which cranks out 505 horsepower using a 4.0-liter, Mercedes-sourced V8 that boasts twin turbochargers.

Could a turbo Vette match the Aston? Perhaps — but then it wouldn't offer that pure V8 vibe that Corvette is known for. Besides, both cars can achieve the 0-60 mph sprint in under four seconds. 

The Vette's motor is definitely more raw and stonking. The Aston's delivers a refined scream at higher revs, while the Corvette, being a Corvette, attempts to scare driver, children, and animals. 

Smaller, turbocharged engines are becoming more prevalent on sports cars, for reasons of fuel economy, emissions, and regulatory compliance. The DB 11 Volante's twin-turbo V8 is juxtaposed with its big brother DB 11 Coupé's V12, for example. 

But there's something to be said for taking gasoline, squirting it into combustion chambers, blowing it up in controlled fashion, and translating that violence into sweet velocity — without having to resort to extra plumbing to use exhaust gases to spin some turbos to intensify the process. Blunt, yes. Old-school, sure.

But so, so satisfying. 



The Corvette Grand Sport was created by the car's first chief engineer, Zora Arkus-Duntov, in 1963. They were intended to be race cars, designed to run in the 24 Hours of Le Mans.

The Vette GS sits between the Stingray and the 650-horsepower Z06 in the lineup — with the 755-horsepower Zr1 at the top of the mountain.

No supercharger, as on the Z06. But the GS gets a bunch of the Z06's performance goodies, making it the better track car than the Stingray. That's the key difference among the three versions of the this Vette.



See the rest of the story at Business Insider

Panera Bread employees share their 11 favorite menu items — and a few secret hacks you have to try for yourself

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Panera Bread employee

  • Panera Bread's menu looks like a lot at first glance.
  • The chain boasts everything from soups to salads to sandwiches. And then there's the bread, too.
  • A number of current and former employees have posted about their favorite orders on social media.
  • Business Insider also spoke with a number of current and former employees about their favorite menu options.
  • Here are their recommendations for your next Panera Bread run.


Panera Bread's menu has a ton of options for everyone.

But, given that Panera Bread employees spend so much time preparing these meals, they're natural experts in what's worth buying at the casual dining chain.

Panera Bread employees also receive a discount of anywhere from 50% to 75% off meals up to $10, so many of them opt to eat at the restaurant while they're on break.

Business Insider recently spoke to a number of current and former Panera Bread employees about their favorite meals. We also scoured the web to find more recommendations from employees on Quora and Reddit.

Here's what the employees had to say:

SEE ALSO: McDonald's employees share their 8 best tips for customers

DON'T MISS: 7 insider facts about Panera Bread that employees know and most customers don't

SEE ALSO: Trader Joe's is one of the best places to work in the US — employees share the 7 best parts of the job

The steak and arugula sandwich

One Panera Bread associate of one year told Business Insider that they prefer this meaty offering.

"It's super unique and has so many flavors," the employee told Business Insider, adding that they'd award the meal ten out of ten stars.



The squash soup

Associate Dorian Bach wrote in a 2016 Quora post that this particular option is the best soup in Panera Bread.

But, alas, fans of this autumnal-gourd-based dish will have to wait until fall to partake once more. It's a seasonal item at Panera Bread. 



The chipotle chicken avocado melt

A former Panera Bread associate trainer told Business Insider that they "used to always get the chipotle chicken avocado melt."



See the rest of the story at Business Insider

15 signs you're about to be promoted at work — even if it doesn't feel like it

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  • If you've been working towards getting a promotion at work, you're probably wondering what are the signs your boss wants to promote you?
  • Sudden invitations to meetings and lunches you were previously excluded from could be indications you're about to be promoted.
  •  Keep an eye out for a combination of these and other signs to know if you're being groomed for promotion.

Maybe there's a sense of euphoria in the air that you can't quite pinpoint.

Or perhaps you have a new sense of confidence at work.

It might be because you're finally getting that promotion at work, but it's hard to tell for sure until it actually happens.

Thankfully, "there are some telltale signs that you may at long last be getting that coveted promotion — you just need to look for them," Lynn Taylor, a national workplace expert and the author of "Tame Your Terrible Office Tyrant: How to Manage Childish Boss Behavior and Thrive in Your Job," told Business Insider.

"But remember, false reads on promotions happen every day, so even if you think you see the signs, you'll want to remain as neutral as possible and stay focused on doing your best work."

Michael Kerr, an international business speaker and author of "The Humor Advantage," told Business Insider that the signs aren't always obvious, but people can usually tell if they are being considered for a new role.

"Being self-aware is a critical skill for anyone to develop and so you should, ideally, always have a reasonably good sense as to how you are perceived by your colleagues and senior leaders," Kerr said. "And talking about your career goals and potential career paths should be a conversation you have on a fairly regular basis with your boss."

Whether you're having those discussions or not, you'll still want to keep an eye out for the signs a promotion might be in your future. Here are 15 of them:

SEE ALSO: A counterintelligence expert says most of us think about getting hired and promoted all wrong

You're suddenly invited to meetings that you were previously excluded from

"This is a great sign, especially if your advice is sought during these meetings and you're asked to lead future ones," Taylor told Business Insider.

And if you're in meetings with senior management, managers from other departments, or key clients, Kerr said that "reflects a great deal of trust in your abilities."

 



You've been asked to take on a special assignment or project with added responsibilities

Yes, it's extra work — but it's also a sign that you're trusted to take on more duties. 

"It shows that you've earned the trust of at least your immediate leader and it's a great opportunity to grow and demonstrate new skills," Kerr said.



Your boss is being promoted

If you have an excellent working relationship with your boss and work closely with them, it's good news for you when they move up. 

It's possible that you'll join them on the higher rung of the ladder, Taylor said. 



See the rest of the story at Business Insider

Goldman Sachs just named its next CEO — here are the execs who will be in and out, according to a dozen insiders (GS)

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When Goldman Sachs CEO Lloyd Blankfein hands off to president David Solomon this fall, it will be the investment bank's first change in leadership since 2006.

During the intervening years, Blankfein led the firm through the financial crisis and the subsequent fallout surrounded by a coterie of loyalists, some of whom worked shoulder-to-shoulder with the CEO at commodities trader J. Aron & Co.

Solomon's management team will differ from his predecessor's. An investment banker who climbed the rough-and-tumble ranks at Bear Stearns before jumping to Goldman Sachs before it sold shares to the public in 1999, Solomon runs with a different crowd. Many of them worked for the Goldman president during the decade he ran the investment-banking division.

Solomon will take over from Blankfein in October. To understand who's in, who's out, and who is in line for promotions, Business Insider spoke with more than a dozen Goldman Sachs insiders. Solomon declined to comment through a spokesman.

What follows is a list of more than two dozen executives at Goldman Sachs, broken into four categories: Solomon's inner circle; some key members of his broader management team, but not all ("bench"); a collection of executives facing an uncertain future ("on the bubble"); and a few Blankfein loyalists who have a depth of institutional knowledge not easily replaced. Executives are listed alphabetically within each group.

Before we get to the list, one last thing: Do you work at Goldman Sachs and feel as if we overlooked a key player or ignored a member of the inner circle? Something else about the bank you want to share? Email me at dcampbell@businessinsider.com or find me on WhatsApp or Signal at 917-673-9252.



Dan Dees

Dees leads one of Goldman's most lucrative investment-banking businesses, routinely tussling with Morgan Stanley for the top spot. He has spent time in Asia as cohead of the region's investment-banking division and the increasingly powerful financing group, and he joined the management committee last year at Solomon's behest. In June, a colleague was named to share TMT duties, interpreted as a sign Dees is in line for a promotion. Insiders say he is most likely to become cohead of the investment-banking division should John Waldron get a promotion.



Jim Esposito

Esposito may have an inside track on getting a bigger role since he once served as the chief operating officer of the investment-banking division under Solomon. He also led the financing group, now considered a farm team of sorts for Solomon's chief lieutenants. Of all the top leaders in sales and trading, Esposito may be the one whom Solomon is most comfortable with, according to a person who knows both men. Some inside Goldman think he's in line to become a cohead of the securities unit.



See the rest of the story at Business Insider

The billion-dollar healthcare unicorns you should be watching in 2018

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It's a good time to be a healthcare or biotech startup. 

In the first half of 2018, healthcare startups raised $15 billion in funding, the most raised in the first half of the year in the last decade, according to Forbes. 

By July, a new crop of unicorns — startups with valuations over $1 billion — were born, while others increased their already billion-dollar valuations.

From companies harnessing the plant microbiome to buzzy biotechs working on cutting-edge technology, here are the US and United Kingdom-based unicorns to keep an eye on for the rest of 2018, according to data from PitchBook. 

SEE ALSO: Meet the 30 healthcare leaders under 40 who are using technology to shape the future of medicine

DON'T MISS: Startup cofounders who sold their first startup to Google for $70 million and their second for $1.9 billion reveal how they built wildly successful businesses twice

Tempus — $1 billion

Chicago-based Tempus got its start in 2015, and in the last three years has rocketed into unicorn territory. The startup, founded by Groupon founder Eric Lefkofsky, aims to use data to come up with better cancer treatments, using both clinical data — information such as what medications patients have taken and how they have responded to them —  and genetic data from the tumors of cancer patients.  

In March, Tempus raised $80 million, bringing its total funding to $210 million. 



Rani Therapeutics — $1 billion

Biotech startup Rani Therapeutics is taking on a problem that has eluded companies for decades — finding a way to turn injectable drugs into pills for people living with chronic conditions. The approach has the potential to upend billion-dollar markets for drugs such as insulin, and current treatments for autoimmune conditions like Humira.  

The San Jose-based company raised $53 million in February from Alphabet's venture investment arm GV. To date, Rani has raised $107 million. 



Clover Health — $1.2 billion

Clover Health sells Medicare Advantage health insurance plans. When seniors in the US turn 65, they can choose to be part of either traditional Medicare or Medicare Advantage, which is operated through private insurers like Clover and often provides additional healthcare benefits. The hope for San Francisco-based Clover and other technology-based health insurers is to use data to improve patients' health. 

In January, CNBC reported that the company had hit some rough patches, including upsetting members who faced unexpected bills and missing financial targets.

Founded in 2014, the company most recently raised $130 million in May 2017, bringing its total funding raised to $425 million.



See the rest of the story at Business Insider

10 pharmacy startups that could be M&A targets after Amazon's acquisition of PillPack (AMZN)

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Amazon's move to acquire digital pharmacy startup PillPack for a reported $1 billion marked its entrance into the online pharmacy space. 

Analysts at Bernstein estimated that 50 to 70% of prescriptions could shift online, and that Walmart, CVS and Walgreens could try to acquire their own digital pharmacy startups. 

Here are 10 emerging online pharmacies and related companies that could be the next targets, according to Bernstein. 

SEE ALSO: Meet the 30 healthcare leaders under 40 who are using technology to shape the future of medicine

Capsule

Capsule is a New York City-based online pharmacy founded in 2015 by Eric Kinariwala, who Business Insider profiled as part of the 30 under 40 health-tech leaders to watch

The New York City-based company offers delivery services for prescriptions throughout the city and its five boroughs. Prescriptions are meant to be delivered within two hours, and through the app, customers can chat or text with a pharmacist for advice about their medication. Every part of the pharmacy interaction is done digitally, and you can even chat with pharmacists on its app. 

The company has raised $20 million in venture capital funding. 

Bernstein analysts say that its local market and user experience focus are its key features. 



GoodRx

GoodRx is a startup that lists drug prices and sells prescription drugs at discounted rates. It was founded in 2011 by Doug Hirsch, Scott Marlette and Trevor Bezdek. Users can also compare the prices of drugs across different pharmacies close to them. 

The company generates revenue through its relationship with pharmacies and pharmacy benefit management when customers use their coupons. It is reportedly on course to generate earnings of $100 million this year.

GoodRx is rumored to be speaking with companies, including health distribution giant McKesson, about being acquired for at least $1.5 billion.

Bernstein analysts say that its price transparency and consumer engagement tools are its key features. 



MedAvail

MedAvail, based in Canada, stations physical kiosks called MedCenter at different locations. Each kiosk is connected with a home pharmacy and can stock up to 500 over-the-counter drugs. 

MedAvail also analyzes prescribing patterns to determine best stocking strategy and offer tele-consultation with pharmacists. 

In June, it announced a collaboration with Express Scripts to bring the convenience of an ATM to pharmacy. Its pilot program will station machines in Phoenix and Tuscon, Arizona, with plans to expand to more states by the end of 2018. 

Bernstein analysts think its potential to be deployed in physician practices and medical buildings is its key feature. 



See the rest of the story at Business Insider

Florida is one of the best places to retire in America — here's exactly how much it costs for a dream retirement in the Sunshine State

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  • A Florida retirement is paradise for many retirees, but just how much money do you need to save to retire in Florida?
  • Mari Adam, a certified financial planner who founded Adam Financial Associates, helped Business Insider estimate how much is needed to retire in three Florida cities.
  • You should have a $1.13 million nest egg if you want to retire in a more expensive area like Boca Raton, according to Adam's estimates. 

Florida is often called the best place to retire in the US. What more could one ask for during their golden years than to bask under the sun, live among the palm trees, and not pay state income taxes?

But enjoying such paradise involves a lot of planning. To find out just how much money you need to have to retire comfortably in Florida, Business Insider enlisted the help of Mari Adam, a certified financial planner based in Florida who founded Adam Financial Associates, a financial-planning and wealth-management firm.

Florida lives up to its stereotype as a popular home for retirees, but how much you need to save to retire in the Sunshine State depends on what city you settle down in. Adam helped us estimate how much money a hypothetical 65-year-old couple, James and Ruth, would need to retire comfortably in three major Florida cities with different costs of living: Jacksonville, Orlando, and Boca Raton, ranging from least expensive to most expensive.

Income comes from Social Security and investments

To estimate the typical income of retirees, Adam assumed Ruth and James receive Social Security payments of $27,000 a year — $18,000 for James and $9,000 for Ruth, who didn't work and therefore gets half the amount of James' Social Security benefits.

The average Social Security payment is roughly $1,360 a month, according to Adam, but she rounded it up to $1,500, assuming that more affluent recipients may have made higher wages while working, though it can vary, she said.

Boca Raton Florida

Adam also assumed that Ruth and James don't receive a pension — only one-third of retirees do these days, she said.

The couple's Social Security payments remain constant in the calculations for Jacksonville, Orlando, and Boca Raton. The rest of their income comes from their investment portfolio, which Adam assumed is made up of half bond investments and half stock investments, which produce qualified dividends and long-term gains taxed at a lower rate (more on that later).

In general, retirees can withdraw a maximum of 4% of their portfolio each year without being at risk of depleting their portfolio too early, so the total portfolio value needed to supplement Social Security income to cover expenses in each city is the variable in our calculation.

Housing is the biggest expense in each city

Adam found the typical spending amount for retirees in Jacksonville, Orlando, and Boca Raton. She included annual costs for healthcare, housing, transportation, miscellaneous expenses like groceries and travel, as well as federal taxes where applicable. Healthcare costs were based on Fidelity estimates, and car payments were based on a lease for one car with an average monthly payment of $300.

jacksonville florida

In every city, housing is the largest expense.

"If the budget is in trouble, it's because of housing," Adam said. "You have maintenance, utilities, homeowner's insurance, etc."

Monthly mortgage payments were based on median home values in each city, assuming Ruth and James bought a home, put down $150,000 (cash saved from selling their last home), and have a 3.5% interest rate on their 30-year fixed-rate mortgage.

Homeowner's insurance was estimated to be about 1% of market value — Florida is the most expensive US state for this, Adam said — while property taxes were estimated to be about 2% and house repairs and maintenance were estimated at 1%.

To calculate federal income taxes — there are no state taxes in Florida — Adam assumed that 50% of the couple's portfolio income is generated by bond investments and taxed as ordinary income and 50% is qualified dividends/long-term gains generated by stock investments.

Keep in mind that for the sake of simplicity Adam excluded possible extras, such as golf or country-club fees, and long-term care expenses or insurance premiums. If any one of these factors is different for your situation, you may need more or less money in your portfolio than suggested.

"As long as you stick fairly close to the 4% withdrawal rate and invest in a mixed portfolio of stocks and bonds with a decent potential for growth, your nest egg should last 30 years," Adam said.

Here's what retirement looks like in three Florida cities.

SEE ALSO: Retiring early doesn't mean you'll stop making money — here's how one retired millennial made more than $60,000 in passive income last year

DON'T MISS: What 8 people wish they knew before retiring in their 20s and 30s

To retire in Jacksonville, you'd need a nest egg of $588,400.

The typical annual expenses of a retired couple in Jacksonville equal roughly $50,536.

To cover these costs, your nest egg would help you generate an income of $23,536 a year at a 4% withdrawal rate, plus $27,000 from Social Security.

James and Ruth need to save the least amount to retire in Jacksonville, the most affordable city of these scenarios.

A little more than 30% of their budget should go toward housing, on which they're estimated to spend roughly $16,000 a year. The median market home value in the area is $164,500, according to Zillow. After a $150,000 down payment, they have a mortgage of $14,500 — that's just $65.11 a month, or $781 a year.

This also means their homeowner's insurance and property taxes, which are tied to the home's market value, are low, at $1,645 and $2,632.

At a little more than 30%, miscellaneous expenses take up the second-largest portion of their budget, estimated at $15,200 annually. Of this category, they'll spend the most on groceries, which are expected to be $4,000 a year.

Transportation is the third-largest category, at a yearly estimate of $10,000, with healthcare not too far behind at $9,333 a year.

James and Ruth luck out when it comes to federal taxes. The half of their portfolio that gets taxed as ordinary income ($11,836) isn't enough to result in owing any federal income taxes.



To retire in Orlando, you'd need a nest egg of $697,100.

The typical annual expenses of a retired couple in Orlando are roughly $54,884.

To cover these costs, your nest egg would help you generate an income of $27,884 a year at a 4% withdrawal rate, plus $27,000 from Social Security.

To retire in Orlando, where the cost of living is slightly higher than in Jacksonville, Ruth and James need to increase their nest egg by more than $100,000.

The median home market value is $229,000, according to Zillow. Based on Adam's calculations, with a $150,000 down payment, this leaves a mortgage of $79,000, which is $354.75 a month, or $4,257 a year.

Homeowner's insurance increases to $2,290, and property taxes increase to $3,664 compared with Jacksonville. Housing in Orlando takes up almost 10% more of the couple's budget than it would in Jacksonville.

This leaves less room for miscellaneous spending. In Orlando, they could spend nearly 25% of their budget in this category — $13,450, to be exact. They'd have to cut down on activities like entertainment and dining out ($2,500), vacation or travel ($1,850), and personal care and shopping ($2,000). But assuming that the cost of living is slightly higher here, they would have to increase their grocery budget by $500, to $4,500.

However, their portfolio is still low enough that with a 50/50 split between bond investments and stock investments, they wouldn't need to pay any federal income taxes.



To retire in Boca Raton, you'd need a nest egg of $1,135,625.

The typical annual expenses of a retired couple in Boca Raton are roughly $72,425.

To cover these costs, your nest egg would help you generate an income of $45,425 a year at a 4% withdrawal rate, plus another $27,000 from Social Security.

James and Ruth need to save the most money to retire in Boca Raton — almost twice as much as what they would need to retire in Jacksonville.

This is largely because the of the cost of housing. Adam says the median home market value is $350,000 in Boca. With a $150,000 down payment, that leaves James and Ruth with a mortgage of $200,000 — $898 a month, or $10,776 a year.

A higher market value also means higher homeowner's insurance ($3,500) and property taxes ($5,000). Overall, Ruth and James would spend an estimated $32,376 on housing, or almost 45% of their budget.

Because Boca Raton has a higher cost of living, they'll also need a bigger budget to accommodate miscellaneous expenses, such as groceries and entertainment, which could cost $6,000 and $3,500 a year.

Ruth and James will also have a bigger budget for vacation and travel as well as giving to charity or family. According to Adam, providing support or assistance for children or grandchildren is becoming more common, so Ruth and James also have a bigger budget for gifts and charity ($2,800).

Boca Raton is the only place on this list where the couple is expected to pay federal taxes, at $1,616 a year. While portfolio income is often taxed at low rates, according to Adam, Ruth and James have a bigger portfolio in Boca Raton compared with Orlando or Jacksonville. If half of their portfolio is generated by stock investments ($23,266), which avoids taxation, that leaves half generated by bond investments to be taxed as ordinary income.



See the rest of the story at Business Insider

Here's how much it costs to get married at 9 of the most glamorous wedding venues in New York City

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In 2016, the wedding industry racked up $79 billion in revenue, according to anIBISWorld report. Every detail from venue and entertainment to guest count and time of year impacts thecost of a wedding.

The average American spends $33,391 on their wedding, Business Insider previously reported citing the Knot's 2017 Real Weddings study, and the bulk of that money goes toward a venue. But in New York City, where the cost of housing, food, entertainment, and everything else is higher, you can expect wedding budgets to balloon too.

The average price for a wedding in Manhattan is $76,944, making it the most expensive big city to get married in the US. To find the most popular and priciest wedding locations across the city, we consulted Andrea Eppolito and Jove Meyer, two New York City wedding planners.

"The iconic city of New York remains a favorite for couples who are seeking a beautiful blend of lavish, over-the-top styling in timeless spaces," Eppolito said.

The typical American couple spends just over $15,000 on a venue, while a high spender can drop as much as $42,801, according to the Knot's study. In New York, venues charge either per person — the average cost is between $300 and $500 — or a flat fee — which can range massively, from $6,000 to $50,000, depending on day of week and time of year, and of course, the location, Meyer said. Lights are not always included in venues and can cost an extra $1,000 to $5,000, Eppolito added.

Check out the map below for a quick look at New York's most popular venues, and keep scrolling for more on pricing and perks.

SEE ALSO: 30 unique wedding songs for your first dance as newlyweds

SEE ALSO: 25 beautiful and intimate award-winning photos show the reality behind weddings around the world

Cipriani: $285 - $325 per person

Locations: 55 Wall St.; 25 Broadway; 376 W Broadway, Manhattan

Pricing starts at $285 per person and averages $300 to $325. There is also a 24% end tax on all bookings. 

The cost covers six hours, including the ceremony, reception, dinner, and dancing. Cipriani provides suites for the couple to get ready, a personal attendant, food, and beverages. For guests, Cipriani serves hor d'oeuvres and food stations. Guests are served a three-course dinner, wine, and champagne. 

Source: Deborah Mella, Cipriani



The Plaza: Begins at $350 per person

Location: 768 5th Ave., Manhattan

The starting price for a wedding at The Plaza is $350 per person and varies depending on additional factors. The Plaza declined to provide any additional details about wedding packages.

Source: Ariana Swerdlin, Fairmont



The Brooklyn Botanic Garden: $1,250 - $11,000

Location: 9900 Washington Ave, Brooklyn

The Brooklyn Botanic Garden prices vary based on date, time, and season. The Palm House ranges from $1,500 to $11,000 depending on month and day of the week. The Palm House also has a guest minimum and maximum. The Lillian and Amy Goldman Atrium has similar restrictions and ranges from $1,250 to $7,000.  

There are several packages to chose from at additional cost that include food and drinks.

Source: Michelle Hagan, Patina Restaurant Group



See the rest of the story at Business Insider

New evidence suggests that most vitamins are useless, but here are the only ones you should take

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  • Vitamins and supplements are a roughly $37 billion industry, but new research suggests they're mostly useless.
  • A crop of fresh studies looking at multivitamins and vitamins B, C, and D have concluded that for most people, they do little to no good.
  • Still, some specific vitamins can be helpful for people with specific health conditions.

It seems like simple, obvious advice: Eat your vegetables, get some exercise, and — of course — take your vitamins.

Or not.

Decades of research has failed to find substantial evidence that vitamins and supplements do any significant good. In fact, the results of recent studies lean in the opposite direction, finding that certain vitamins may be bad for you.

Several supplements have been linked with an increase in certain cancers, for example, while others have been associated with a higher risk of kidney stones. Still others have been linked with an overall higher risk of death from any cause.

So here are the vitamins and supplements you should take — and the ones you should avoid.

SEE ALSO: The $37 billion vitamin industry is barely regulated, and dangerous products are slipping through the cracks

DON'T MISS: A mysterious supplement has a viral following of people who take it for addiction, and researchers say it's too compelling to ignore

Multivitamins: Skip them — you can get everything you need with a balanced diet.

It's long been thought that adding a multivitamin to your diet was a good step towards better overall health, but recent research suggests this is false.

Based on a review of studies published this month in the journal Circulation, scientists concluded that taking multivitamins does not improve heart health in the general population. That study comes on the heels of an even larger review published in the Journal of the American College of Cardiology in June, which found no evidence that multivitamins are linked to a reduced risk of heart disease, heart attack, stroke, or death from any cause.

Some studies even suggest that consuming vitamins in excess can cause harm. A large, longterm 2011 study of close to 39,000 older women found that women who took vitamins over the course of more than 20 years actually had a higher overall risk of death than those who didn't take any supplements.



Vitamin D: Take it for bone health because it's hard to get from food.

Vitamin D is a critical ingredient that keeps our bones strong by helping us absorb calcium. It is missing from many of the foods we eat, so taking a vitamin D supplement may be a good idea for some people. Getting sunlight is another way to help your body make enough vitamin D, but that can be tough in the winter.

Some researchers hoped that vitamin D could also help protect people from brain-related disorders like Alzheimer's disease, but a review of 73 studies published this month in the journal Nutritional Neuroscience suggests that is not the case. The researchers found no evidence linking vitamin D supplementation with a reduced risk of Alzheimer's, Parkinson's, multiple sclerosis, or other forms of dementia.



Antioxidants: Skip them — an excess of these has been linked to an increased risk of certain cancers, and you can eat berries instead.

Touted for their potential to protect against cancer, vitamins A, C, and E are antioxidants found in many fruits and veggies — especially berries.

But studies suggest that antioxidants can actually be harmful, at least when taken in the mega doses offered by some supplements.

A 2007 review of trials of several different types of antioxidant supplements found that people who took the pills were more likely to die of any cause than people who didn't. Plus, a large long-term study of male smokers found that those who regularly took vitamin A were more likely to get lung cancer than those who didn't.



See the rest of the story at Business Insider
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