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The best and worst states for paying off student debt, ranked

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Notre Dame

  • Student loan debt is higher than ever, with a national total of $1.5 trillion, according to Student Loan Hero.
  • College graduates should think wisely when it comes deciding where to live after college — location can play a huge factor in your ability to pay off student debt.
  • According to a new WalletHub ranking, Utah is the best place to pay off debt, while South Dakota is the worst.

College is more expensive than it's ever been.

Student loan debt is at an all-time high, with a national total of $1.5 trillion, according to Student Loan Hero. And the average student debt per graduate who took out loans is higher than ever at $17,126, Business Insider previously reported.

That said, it's important for graduates to think wisely when it comes deciding where to live after college — location matters when you have student loans to repay.

WalletHub recently calculated the best and worst states for paying off student debt using data from a variety of sources, including the US Census Bureau and Bureau of Labor Statistics. To determine this list, they compared two factors — "student loan indebtedness" and "grant and student work opportunities"— across each state, plus Washington, DC, among the population aged 25 to 34.

Each factor was determined using several weighted metrics that measured indebtedness and earning opportunities. WalletHub then found each state's weighted average across all metrics to determine its overall score and ranking. Read the full methodology on WalletHub.

According to WalletHub's research, "student-loan borrowers generally fare better in strong-economy states with low college-debt-to-income ratios." Utah is the best place to pay off debt, while South Dakota is the worst.

Below, see how each state ranks for paying back student debt, ordered from best to worst. 

SEE ALSO: College is more expensive than it's ever been, and the 5 reasons why suggest it's only going to get worse

DON'T MISS: An alarming percentage of divorcees say student loans ended their marriage

51. Utah

Average student debt: $19,975

Student loan debt rank: 51

Grant and student work opportunities rank: 29



50. Hawaii

Average student debt: $26,092

Student loan debt rank: 50

Grant and student work opportunities rank: 46



49. Wyoming

Average student debt: $25,378

Student loan debt rank: 49

Grant and student work opportunities rank: 33



See the rest of the story at Business Insider

I drove a $77,000 GMC Yukon Denali to see if the massive SUV lives up to its premium reputation — here's the verdict (GM)

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GM Yukon Denali

  • The GMC Yukon Denali is about as upmarket as you can get without entering the true luxury realm.
  • The full-size SUV has plenty of room for passengers and stuff, and it can tow a respectable 8,400 lbs. with four-wheel-drive and a beefy 6.2-liter V8 engine.
  • I liked the Yukon Denali for its abundant power, smooth ride, and ability to tote a serious load.

When people think of big luxury SUVs, nameplates such as the Cadillac Escalade and Lincoln Navigator come to mind. That's understandable because when it comes to the largest players in the market, the Caddy and the Lincoln — along with the Lexus LX and the Infiniti QX80 — have been around for so long that they're extremely well-known.

Traditionally, if you wanted Escalade scale, for example, minus the Escalade price, you could drop down in the General Motors lineup to the Chevy Tahoe or Suburban. For a bit more premium-ness, there was the GMC Yukon. But GMC, in particular, has been doing something interesting, offering a near-luxury, super-premium trim level called "Denali."

I've sampled a bunch of Denali-grade GMCs, and last year, I took an extended wheelbase version of the Yukon Denali on a family road trip.

More recently, the standard-wheelbase Yukon Denali landed in my driveway, just in time to take my three children to summer camp, roughly a 4-hour, round-trip jaunt. Throw in my lovely wife, as well as enough gear to get a trio of kids through two weeks away from home, and we had a good test of the Yukon Denali's capabilities. 

The vehicle was a 2018 Denali, with a base price of $69,165, but optioned up, our tester came to $77,390. I tooled around in it for a week, apart from the aforementioned weekend run. I didn't tow anything, but this SUV has some serious capacity, with a rating of up to 8,400 lbs.

Here's what I thought.

 

 

 

 

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The "Onyx Black" Yukon Denali landed in my driveway and promptly filled it up. Note the Denali grille, a massive yet intricate signature element.



This Yukon Denali is more compact, if you will, than the XL I previously sampled.

From stem to stern, it's about 204 inches, with a cargo capacity when all three rows of seats are deployed of about 15 cubic feet.

The XL is around 244 inches long, with more than twice as much cargo area and a notably larger third row.

Our tester came with 20-inch aluminum wheels, but if I were buying, I'd go for the optional 22-inchers, to better fill those huge wheel arches. 



The Yukon ...



See the rest of the story at Business Insider

7 signs you may be dealing with a narcissistic coworker or boss — and how to deal with them

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annoyed confused thinking happy

  • A narcissist at work may make your day-to-day difficult.
  • In many situations, there isn't much you can do besides work around your narcissistic coworker.
  • However, if your organization is tolerating a workplace bully or rewarding a narcissist with raises or promotions, you may need to consider finding a new job.

 

The leading piece of advice on getting involved with a narcissist: Don't do it.

"However, sometimes that is impossible if the narcissist is your boss or coworker," Dr. Neil J. Lavender, author of "Toxic Coworkers: How to Deal with Dysfunctional People on the Job," told Business Insider.

The most important thing to keep in mind with a narcissistic coworker is that changing them is very difficult, if not impossible, Lavender said. They're going to be focused on getting ahead, displaying their inherent superiority over others, and rejecting all evidence that they're not flawless.

"There is very little that anyone can do to change a narcissist because that would fundamentally involve them admitting there is a problem, which is a near impossible task," Dr. Karlyn Borysenko, Principal at Zen Workplace, told Business Insider.

While there are cases where a narcissist's behavior necessitates approaching the higher-ups or finding a new job, most narcissist coworkers aren't really threatening. So, focus on keeping your sanity and structuring your behaviors in a way that won't set the narcissist off, thereby making them an even bigger presence in your life.

Here are seven signs that you may be dealing with a narcissistic coworker — and how to handle them.

SEE ALSO: Everyone’s a little bit narcissistic, but 5 traits can give true narcissists away

They love you in one moment, and hate you in the next

Narcissists see the world in black and white.

"They will love you at first but if you disappoint them they will hate you," Lavender said. "There is no middle-of-the-road."

What to do: When they're being kind, enjoy it. But Lavender said it's likely that they're just buttering you up for their own benefit, so watch out. The best tactic is to steer clear of him or her, but that may be unavoidable. 

If they're going on a tirade about something you or someone else did wrong, re-direct the conversation to the task at hand. Try this line from Harvard Medical School lecturer Dr. Craig Malkin, author of "Rethinking Narcissism":

"I'm not sure how this feedback helps us solve the problems and finish the project. What specific changes did you want to make or have in mind? Let's just make them so we can wrap this up."



They refuse to talk about anything other than themselves

If your coworker is constantly gearing the conversation back to themselves, they might be a narcissist.

"They always want to be surrounded by their 'fans' and love 'holding court,' telling stories while others listen in a state of rapture," Lavender said. "Often these stories center around what they considered to be their 'amazing' accomplishments, usually over exaggerating their achievements."

What to do: Understanding that you can't stop your coworker from these flights of fancy, try to change how you think about them instead. 

"Remove the expectation that they are going to behave logically," Borysenko said. "It's not going to happen, and once you detach from that expectation it will help put their behaviors in context."



They try to take credit for your ideas

Harvard Medical School lecturer Dr. Craig Malkin, author of “Rethinking Narcissism,” said your narcissist coworker might try to claim credit for your ideas.

What to do: While some narcissistic behaviors, like the tendency to glaze over if you talk about anything other than their amazing selves, are simply annoying, this one could damage your success at the workplace. So, you can't just ignore this act. 

The typical course of action if someone is stealing your ideas is to approach the coworker and tell them that what they're doing isn't acceptable.

In this case, however, Malkin said you should go even further and "meticulously record all your work ... when working with the idea thief so everyone knows where the work came from."

That means saving emails in a folder when they display your ideas, or taking notes during meetings so you can record when an idea is your own.



See the rest of the story at Business Insider

Retail defaults are at an all-time high — here are all the bankruptcies and liquidations so far in 2018

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bonton closing



Retailers are filing for bankruptcy at record-high rates as Americans' changing shopping habits, along with years of overly aggressive store growth, continue to shake up the industry. 

A total of 13 US retailers have filed for bankruptcy or announced liquidations so far in 2018.

Here's the retail carnage so far this year:

SEE ALSO: Retail bankruptcies just hit an all-time high — and these 18 companies could be the next to default

Nine West

Nine West Holdings filed for bankruptcy in April.

The women's clothing and footwear company said it filed for Chapter 11 bankruptcy protection to help facilitate the sale of its Nine West and Bandolino businesses. The company listed debts of more than $1 billion.

"This is the right step to address our two divergent business profiles," Nine West Holdings' CEO, Ralph Schipani, said in a statement. "Once we complete the reorganization process, our company will have meaningfully reduced debt and interest costs and be well positioned for the future."



Claire's

The jewelry chain Claire's filed for bankruptcy in March. The company said plunging customer traffic to shopping malls led to its decline.

"The retail industry as a whole has been challenged by shifts in consumer purchasing preferences and habits," Claire's said in a bankruptcy filing.

The retailer plans to close 92 stores, most of which are located in malls.



The Walking Company

The shoe seller The Walking Company, which operates 208 stores in the US, filed for Chapter 11 bankruptcy protection in March.



See the rest of the story at Business Insider

10 beauty treatments that were once popular but are actually incredibly dangerous

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arsenic beauty treatment ad

  • Cosmetics used to contain arsenic, mercury, and radioactivity — all of which can be deadly.
  • People used to swallow tape worms to lose weight and wear tight corsets that caused deformities.
  • Eyelashes used to be sewn into the eyelids with a needle.

Like clothing and hairstyles, beauty trends come and go. One minute it's achieving glowing glass skin, the next it's coating your tongue in glitter

But just because a beauty trend is popular doesn't mean it's safe. Throughout history, people have ingested harmful substances and undergone dangerous, painful procedures in the hopes of attaining perfection.

Here are 10 beauty treatments that definitely needed to go out of style.

In the Middle Ages, women would bleed themselves in order to look pale.

In the Middle Ages, pale skin was considered beautiful because it indicated that a woman was wealthy and didn't need to work outside. To achieve this translucent look, some women bled themselves, according to the book "Introduction to Cosmetic Formulation and Technology."

Bloodletting was also thought to treat physical ailments. While the practice may actually turn out to have some health benefits, it's definitely not for cosmetic use.



Makeup laced with lead caused the death of the Countess of Coventry in 1760.

Lead poisoning was common in the 18th century due to the popularity of lead cosmetics, according to the Museums and Collections department at University College London.

Maria Gunning, Countess of Coventry, used a white lead compound known as ceruse to powder her skin. It was also used to powder hairstyles. She contracted lead poisoning and died at the age of 27. 



"Safe arsenic complexion wafers" were anything but safe.

Arsenic was known to be dangerous and addictive in the Victorian Era, but small amounts in the form of edible wafers were thought to not only be safe but to help one achieve that sought-after pale complexion, giving the skin an "indescribable brilliancy" according to advertisements.

Arsenic is a carcinogen that is "extremely poisonous to humans," according to Healthline.



See the rest of the story at Business Insider

10 super successful people revealed their first 7 jobs — and you might relate to these gigs

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kerry washington

Dishwasher. Futon salesman. Babysitter.

A person's first job typically isn't glamorous — and that applies to celebrities and other wildly successful people as much as to "regular" people.

People on Twitter shared some of their first working gigs with the hashtag #firstsevenjobs, and many well-known individuals chimed in with their own lists.

From Facebook COO Sheryl Sandberg instructing aerobics classes to Stephen Colbert selling futons, here are the first seven jobs of 10 successful people.

Lin-Manuel Miranda once worked at McDonald's

 



Kerry Washington was once a yoga teacher

 



Stephen Colbert held two jobs relating to futons.

 



See the rest of the story at Business Insider

10 stories of relationships that were destroyed by cheating

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couple kissing sexInfidelity can be devastating in a marriage and while cheating isn’t a death sentence for any relationship, it can sometimes result in some major cracks in your foundation. 

These Reddit users share some heartbreaking stories of how their own marriages were devastated by cheating. As a note, INSIDER can't independently authenticate the stories.

"I have to go through this high-risk pregnancy alone while going through a divorce."

"We had been married for five years. In time, his behavior became odd and our fights escalated further than they should have. Sensing something was off, I started snooping, and I slowly discovered he had been cheating for our entire marriage and he was in love with someone else. The reason his behavior changed was that she found out that I am pregnant with twins and [he had been fighting with her].

"There’s no repairing a marriage that never really existed in the first place. I am devastated. I have to go through this high-risk pregnancy alone while going through a divorce … Our twins will never know what’s it’s like to have their parents in the same house."— Redditor pregandalone



"I found out about the other woman the week before my due date ..."

"My husband had an affair with a co-worker for nearly two years, the last nine months of which I was pregnant with our second child. I found out about the other woman the week before my due date ...

"Last week I discovered he was lying and cheating with her again. Immediately afterward he was begging for my forgiveness and telling me he would cut her out of his life forever and fight for me … now he says he's going to be with her and we're done. There was no explanation for the sudden change. They have a tropical vacation planned two weeks from now while I stay home alone with our infant and toddler. I can't believe his dishonesty and disrespect. I know I'm better off without him."— Redditor francesca75



"He wants me out so his new woman can move in."

“I'm living with my husband of 12 years while we divorce. It blindsided me so badly. I have no family alive on my side and no kids. I have no financial stability at all except for the $900 a month from SSI. I’m scared out of my mind and selling anything I have. He wants me out so his new woman can move in.” — Redditor Nikkilee81



See the rest of the story at Business Insider

6 easy ways to be vegan on a budget

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Vegan DinnerThinking of going vegan but worried it’s going to be too expensive? I was, too. A plant-based diet can be pretty pricey if you get carried away at the grocery store, but there are ways to make it work without breaking the bank.

After a few trips to the grocery store, I learned a few hacks that make eating vegan super budget-friendly. With these tips, you’ll be able to stick to the diet without emptying your wallet.

Be picky when it comes to vegan alternatives.

There are some delicious vegan cheeses and meat substitutes on the market, but they are pretty expensive. They may look tempting, but they’ll add up quickly at the cash register. When it comes to vegan substitutes, ask yourself if you absolutely need them. If you don’t, pass on them for now to save some cash.



Keep recipes simple.

Many vegan recipes call for garnishes that aren’t especially necessary, and purchasing all of those extras in the grocery store can eat up a good amount of your budget. Cut down on costs by keeping your meals uncomplicated and finding creative ways to make them delicious like adding spices, including extra veggies, or mixing in hummus.



Use spices.

Adding some spice to your dishes is an easy way to make bland, simple dishes super flavorful. The jars may be a little pricey at first, but they’ll last a long time and can make any meal taste delicious in a few seconds.



See the rest of the story at Business Insider

Here are 13 signs your friendship with someone is toxic

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toxic friend

  • You can meet toxic people in all walks of life — in romantic relationships, at work, and in friendships.
  • Toxic friends are energetically draining, hypocritical, and not worth your time.
  • But it can sometimes be difficult to pick up on the fact they are causing damage.
  • Here are 13 signs that your friendship is probably toxic and you should get out of it as soon as you can.


Letting the wrong kind of people into your life can be incredibly draining. You're not likely to find enough time for yourself if another person is constantly on at you about things and won't give you room to breathe.

Toxic relationships aren't just the romantic kind. Sometimes, friendships with people can turn out just as abusive and damaging too.

Rather than bringing company and comfort to your life, a toxic friendship will bring exhaustion and frustration.

Psychologist and therapist Perpetua Neo told Business Insider there are quite a few signs you can look out for, which will tell you that the relationship you have with a friend isn't healthy.

Some of the red flags are obvious, but some are much more subtle. Here are 13 of the most common signs to look out for:

SEE ALSO: 7 positive lessons you learn when you leave a toxic, abusive relationship behind

1. There's a whole lot of drama

One thing you can guarantee from a toxic person is drama. Chaos seems to surround them somehow, either because they're always arguing with someone, causing problems, or unbelievable things keep happening to them.

"Drama is a very big thing when we talk about toxic friends," Neo said. "A toxic friend tends to be someone who sucks us in either by being very amazing, very grandiose, or by being this sad creature that needs our help."

Whatever their story, you can guarantee you'll hear about it, or worse, get dragged into it.



2. Everything is about them

A toxic friend will never really listen to you. They will always be waiting for their turn to speak, or to turn the conversation back to them.

"In a novel conversation between people, you can say this thing happened to me too, which is ok because that's where empathy happens, and you form a connection," Neo said. "But then with a toxic person, everything revolves around them. They'll twist it."

A good way to test for this is by bringing up random topics that have nothing to do with either of you. A toxic person will have the uncanny ability to manipulate the conversation back around to them again, whatever the topic, without skipping a beat.



3. They put you down

Neo said a toxic friend will never compliment you. They'll never pick you up or congratulate you on your achievements. In fact, they're much more likely to kick you when you're down.

You'll realise you're never actually happy or relaxed around them because they don't make you feel good about yourself, Neo said. No friendship should be transactional, but if someone is draining all your energy, you should ask yourself whether you're getting anything out of it at all.



See the rest of the story at Business Insider

5 European cities where you can retire on less than $35,000 a year

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Porto, portugal

  • If you've ever wanted to retire in Europe, it might just be possible. 
  • A recent survey by International Living, a website about life overseas, found five European cities where couples can live off an average income of $33,696.
  • These cities include Porto, Portugal, and Aix-en-Provence, France.

Retiring in Europe is a dream within the grasp of American couples picking up two Social Security checks per month.

A recent survey found five European cities where life is affordable for a couple living off an average income of $33,696 — a minimum annual salary calculated using the average Social Security check most seniors receive alone. As reported by CNBC, the findings show that for $35,000 or less per year, two retirees can live the American dream abroad.

Here are the five cities where the price is right, starting with the cheapest. 

SEE ALSO: A startup is building $125,000 backyard 'granny flats' that can be constructed in less than a month

SEE ALSO: How much money you need to retire early depends almost entirely on 2 factors

SEE ALSO: There's one obvious culprit behind the US pension crisis

1. Porto, Portugal



2. Basilicata, Italy



3. Alicante, Spain



See the rest of the story at Business Insider

Prosecutors have gone to extraordinary lengths to document Paul Manafort's life of luxury. Here are the custom suits, lavish cars, and sprawling properties they tried to show the jury.

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fast facts on paul manafort trial

President Donald Trump's former campaign manager Paul Manafort is currently on trial for tax evasion, among other crimes, and prosecutors have been entertaining the jury with details of the political consultant's lavish lifestyle.

They say that Manafort earned more than $60 million working on political campaigns in Ukraine, and detailed the ways he used that money to buy a closet full of custom-made suits, luxury cars for his wife and kids, and homes up and down the East Coast.

But when one of his clients fled to Russia and the consulting work dried up, prosecutors say, Manafort lied about his wealth to avoid paying his taxes.

Manafort has pleaded not guilty and is fighting the charges. Here are the extravagant items prosecutors are accusing him of spending all that money on:

SEE ALSO: The first week of Paul Manafort's high-stakes criminal trial took off with a bang: Here's everything you need to know

DON'T MISS: Rick Gates testifies that he committed crimes with Paul Manafort and embezzled money from him

A focal point of Manafort's tax evasion trial has been his suit collection. Prosecutors seem to have taken photos of every expensive suit in Manafort's closet. They say he paid for his custom suits by transferring money from foreign bank accounts.

Source: Business Insider



By keeping his wealth in shell companies, prosecutors say he was better able to hide just how much he was making — and spending — from the IRS. This snazzy fur coat was one of several introduced into evidence during Manafort's trial.

Source: Business Insider



One of the more bizarre items that investigators found in their raid on his home was this $15,000 hooded jacket made of ostrich.

Source: Business Insider



See the rest of the story at Business Insider

The 11 best-selling pickup trucks in America so far this year

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2015 Ford f 150

  • Kelley Blue Blue released the data for the best-selling pick-up trucks in America in 2018.
  • More than 1.4 million pickup trucks have been sold through the first half of the year. 
  • The top-3 best-selling trucks in 2018 are the Ford F-Series, Chevrolet Silverado, and Ram Pickup.
  • The cars that saw the largest year-over-year drop in sales were the Honda Ridgeline, Nissan Titan, and Ram Pickup. 

The U.S. auto market has been strong in the first two quarters of 2018. More than 8.6 million cars have been sold in 2018 through the first half of the year, that's a YTD year-over-year increase of nearly 2%, according to data from Kelley Blue Book, the automotive research company. 

Demand for pickup trucks has been particularly strong, with YTD new sales hitting 1,415,389, according to Kelley Blue Book's data. This has come with American consumers making a concurrent decision to abandon the sedan and passenger car.

All three of America's big three automakers (Ford, General Motors, Fiat Chrysler Automobiles) have pickup trucks on the market.  In fact, the top-3 best-selling trucks so far in 2018 are Ford's F-Series, GM's Chevrolet Silverado, and FCA's Ram Pickup.

But other truck models have broken in and gained market share. The trucks that have made the greatest year-over-year improvement in 2018 are GMC Canyon, Chevrolet Colorado, and Toyota Tacoma. In fact, Chevrolet Colorado's year-over-year sales have risen a whopping 38.9% compared to this time in 2017. 

The cars that saw the largest year-over-year drop in sales are Honda Ridgeline, Nissan Titan, and Ram Pickup. The Honda Ridgeline saw the greatest year-over-year decline, with its sales down 19.4% as compared to 2017. 

Americans love their pickup trucks though. Below are the 11 best-selling full-size and mid-size pickup trucks in the first two quarters of 2018. 

SEE ALSO: Here are the 13 best used-car deals for trucks and SUVs

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11. Honda Ridgeline: 14,988 sold in 2018. Down 19.4% over 2017.



10. GMC Canyon: 16,848 sold in 2018. Up 13.2% over 2017.



9. Nissan Titan: 23,294. -4.8%.



See the rest of the story at Business Insider

A photographer combined two of your favorite things — dad bods and dogs — to raise awareness for pet adoption

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dad bods and dogs calendar

Ricki Beason is a photographer based out of Dallas, Texas, that focuses on photographing rescue animals. For 2019, she's created the "Dad Bods and Dogs" calendar, which combines two of our favorite things: dad bods and cute pups.

The calendar is meant to raise awareness for pet adoption, as each featured pup is up for adoption. The dogs featured in the calendar all come from three shelters in Dallas: The Love Pit Rescue, Rescue Row, and Asastia's Angels.

Keep scrolling to learn more about the calendar.

The "Dad Bods and Dogs" calendar showcases men and their furry friends doing everyday activities.

If you don't have your own dad bad, don't fret — you can buy your very own dad bod fanny pack.



Beason said she started doing rescue photography to "change the stigma that is out there about shelter and rescue dogs."

"You see these pictures of a sad and dejected dog behind shelter bars, you may get sympathy and pity out of people, but I don't want people to always see the dog in that negative light," she added.



She continued, "I want people to see the 'after' — after they have been saved and rescued with their cute smiles and tail wags so they are encouraged to bring this happy and goofy puppy into their home as their new best friend."

Take a look at these dogs before and after they were adopted to see the effect adoption can have on a pup.



See the rest of the story at Business Insider

Jeff Bezos told Amazon execs to consider 3 questions before offering someone a job and they're still spot-on 20 years later

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jeff bezos amazon

  • Amazon has a specific philosophy when it comes to filling corporate job openings.
  • It's spelled out in a 1998 letter from CEO Jeff Bezos, in which he called hiring talented people "the single most important element" of guaranteeing Amazon's future success.
  • He told employees to always consider three questions before hiring a candidate.


Amazon is always looking to fill a ton of jobs.

But, before you can land a corporate role with the online retail behemoth, you've got to tick off three particular boxes in the minds of the hiring managers and executives vetting you.

At least, that's the process that CEO Jeff Bezos recommended to his team 20 years ago. In a 1998 letter to shareholders, customers, and employees, Bezos described his 2,100 employees as "smart, hard-working, passionate folks who put customers first" and credited "setting the bar high in our approach to hiring" as the reason for the team's strength.

He added that hiring policies and practices would be "the single most important element" in ensuring Amazon's continued success. To identify standout candidates, Bezos told executives to mull over 3 particular questions before extending a job offer.

Here are the 3 Bezos-recommended questions:

SEE ALSO: At Amazon, Jeff Bezos has strict instructions for crafting the perfect memo — and he said it should take days to write

DON'T MISS: Amazon CEO and world’s richest man Jeff Bezos avoids a common, time-wasting daily habit

SEE ALSO: The 'two pizza rule' is Amazon CEO Jeff Bezos' secret to productive meetings

1. 'Will you admire this person?'

Bezos wrote that "life is definitely too short" to work with colleagues that you don't admire.

"For myself, I've always tried hard to work only with people I admire, and I encourage folks here to be just as demanding," Bezos wrote.

Before he founded Amazon, Bezos worked at the startup Fitel, the former banking institution Bankers Trust, and, finally, hedge fund D.E. Shaw & Co. Business Insider's Shana Lebowitz reported that Bezos actually based Amazon's hiring process on his experience at D.E. Shaw.

Back in 1998, he encouraged his team to compare candidates to people they admired in their own lives.



2. 'Will this person raise the average level of effectiveness of the group they're entering?'

Back in 1998, Bezos didn't want candidates who were good enough.

"We want to fight entropy," Bezos wrote. "The bar has to continuously go up."

Bezos asked his employees to "visualize the company" in five years — or 2003.

"At that point, each of us should look around and say, 'The standards are so high now — boy, I'm glad I got in when I did!'" he wrote.

In 2003, the company posted its first ever full-year profit, according to The New York Times.



3. 'Along what dimension might this person be a superstar?'

Bezos has a penchant for enjoying unique meals; he's partaken in the occasional sliver of iguana and has even ordered octopus for breakfast.

Back in 1998, he revealed that he also likes to work with unique people. He wrote that it's important to hire candidates with "unique skills, interests, and perspectives that enrich the work environment for all of us," regardless of whether said traits were "related to their jobs."

Bezos specifically gave a shout out to an unnamed Amazon employee who he said was once a National Spelling Bee champion.

He speculated that the individual in question won the 1978 championship, but, according to Business Insider, the unidentified employee was likely Barrie Trinkle, who won the 1973 competition and worked for Amazon from 1996 to 2001.

"I suspect it doesn't help her in her everyday work, but it does make working here more fun if you can occasionally snag her in the hall with a quick challenge: 'onomatopoeia!'" he wrote.

Are you a current or former Amazon employee with a story to share? Email acain@businessinsider.com.



See the rest of the story at Business Insider

9 signs you're more sensitive than other people

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taylor swift delicate music videoPeople are different and react to things differently, internally and externally. Though some people never seem to be bothered or negatively affected by anything that happens or that people say to them, others have a much more difficult time doing that.

Sensitivity and introversion aren’t the same, Julie Bjelland, LMFT, a psychotherapist and consultant that specializes in sensitivity and the author of "Brain Training for the Highly Sensitive Person, Techniques to Reduce Anxiety and Overwhelming Emotions," told INSIDER.

"Different cultures have different views on sensitivity," Bjelland said. "Often in the United States, we don't tend to value sensitivity as much as we should. So sensitive people feel misunderstood and undervalued and yet can contribute in incredibly important ways. This is an important trait of the species and offers many advantages."

If you think that you might be more sensitive than other people, or that someone else in your life might be, knowing the signs to look for and how to help make them feel understood can help you interact with them better — and make them feel seen.

1. You get overwhelmed fairly easily.

Jessica Cline, LCSW, an online psychotherapist specializing in highly sensitive persons and relationships, told INSIDER that being more easily overwhelmed or feeling more overwhelmed is one of the major signs that someone might be a highly sensitive person (HSP).

"The reason these signs are present really comes down to differences in the brain," Cline explained. "HSP or sensory processing sensitivity continues to be researched and we continue to learn more about this trait. Brain scans show more activation in certain parts of the brain including more activation of the cerebral cortex, a more active brain mirror neuron system, and a brain that is more often in theta state (which increases sensitivity to subtle vibrations and environmental stimulation). These brain changes really create a body/mind that is heightened to stimuli, which can be difficult in modern day society."

People who are more sensitive than others are, understandably, more easily overwhelmed because they’re more attuned to other people and their emotions. Bjelland said that one way that those around someone who’s highly sensitive can help in this situation is by trying to avoid the crowds or other situations that make you feel overwhelmed, like extremely crowded bars and restaurants or concerts.



2. You have a hard time handling criticism or feedback.

Criticism and feedback can be difficult to handle without taking it personally, but for people who are highly sensitive, this is the case even more so.

"When you are offering advice to a sensitive person, it is important to talk from your own personal experience rather than telling them what to do,"Dr. Greg Kushnick, PsyD, a therapist based in New York City, told INSIDER. "If you humanize the advice, it is more effective. For example, you can say, 'I find that doing X has helped me immensely.' This makes a sensitive person less likely to get defensive."

 



3. You need lots of time to reflect by yourself.

Many people need at least some solitary downtime on occasion, but people who are more sensitive than other people need even more of this kind of time than others. Dr. Nancy B. Irwin, PsyD, C.Ht., a therapist and clinical hypnotist, told INSIDER that highly-sensitive people often need a lot of privacy.

"Respect their needs rather than judge them as overly sensitive," Irwin said. "Be grateful some of us have this gift, though it can be a challenge sometimes, or we would not have artistic masterpieces or caregivers or healers."



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The best eyelash serums you can buy

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

best eyelash serum

The Insider Pick:

  • Eyelash serums are an affordable way to lengthen lashes without wearing false lashes or spending money on extensions.

  • Our top pick is the RevitaLash Advanced Eyelash Conditioner because it’s an award-winning serum that will help transform your eyelashes into longer, healthier, and more luxurious looking lashes.

Who doesn’t love the look of long eyelashes? Not only are they glamorous but they can also make your eyes look bigger and the whites of your eyes look brighter. In the past, if you wanted longer, fuller lashes you needed to either pile on the mascara, spend money on falsies or book a salon appointment for lash extensions. But now, improving the look and feel of your natural lashes is possible with the help of eyelash serums.

Not only can the right eyelash serum transform the look of your lashes, but it can also make them stronger, thicker, and healthier, too. Some feature ingredients that stimulate lash growth and make them look and feel fuller, while others work to condition lashes and help protect them from drying out and breaking.

The best part? They’re insanely easy to use. Every night, after cleaning your face and eye area, simply swipe the serum on the upper and lower lash line before going to bed. While you won’t notice results right away, after regularly using the serums for a few weeks, you’ll start to see a difference in both your lashes’ texture and length.

With so many options on the market, finding the right eyelash serum can feel overwhelming. So we did the research to find the best-reviewed eyelash growth serums you can buy. Whether you want to elongate lashes or make them look fuller, we've got you covered.

Here are the best eyelash serums you can buy:

Read on in the slides below to check out our top picks.

The best eyelash serum overall

Why you'll love it: RevitaLash Advanced Eyelash Conditioner is a cult favorite lash serum that conditions and strengthens lashes to make them longer and thicker. 

The RevitaLash Advanced Eyelash Conditioner is a one-of-a-kind formula developed by an ophthalmologist to help enhance the look of lashes and prevent future breakage. During a study, 98% of people enjoyed improved lash appearance and stronger lashes after using the product for six weeks.

The serum is formulated with a mix of peptides, lipids, biotin, and green tea extract that work to fight both environmental damage and damage done by cosmetics. The conditioner not only protects from brittleness and breakage, it allows lashes to grow longer and saturates the lashes with moisture, making them softer and healthier-looking.

The lash serum has been a fan favorite amongst celebrities and beauty editors alike. InStyle magazine called it “the Rolls Royce of lash conditioners,” while Allure reports that Meghan Markle is a fan of the product.

The serum has an Amazon's Choice recommendation because of its high ratings, with shoppers giving it a 3.9 out of 5-star rating.

One reviewer named Joyce wrote, “I have been using this for about 3 weeks now and can really tell a difference in my eyelashes. They are longer and they are getting fuller as well. My daughter has been using it for about 6 months and I thought she had on false lashes. It's unbelievable how thick and long they are.”

The product is on the pricey side but it comes in three sizes so you test the serum with the smaller bottle before spending money on the six-month supply.

Pros: Conditions lashes, makes them fuller and longer, three sized bottles to shop, leaves lashes softer and healthier-looking

Cons: Expensive

Buy the RevitaLash Advanced Eyelash Conditioner at Nordstrom for $55 to $150 (price varies by size)



The best serum for eyelashes and brows

Why you'll love it: Looking to grow your eyelashes and eyebrows? Try the Shiseido Full Lash and Brow Serum to improve the look of both.

While a lot of lash serums are technically safe to use on your eyebrows as well, the Shiseido Full Lash and Brow Serum was the first serum specially developed to help both types of hair grow. It comes with a soft-tip applicator that easily reaches between each hair to help you apply the product evenly.

The serum is a bestseller in Asia, thanks to its hydrating formula that leaves lashes thicker and brows more full. The serum’s ziziphus jujuba plant extract works as a hair-growth stimulant, while the arginine increases blood flow to the lash line.

The serum is dermatologist and ophthalmologist tested and more than 80% of women who tested the product for 16 weeks, reported that their lashes were more beautiful and denser. It has more than 20,000 likes on Sephora's site with 200 shoppers giving it a 4.1 out of 5-stars.

One buyer named Shelby wrote, “I must say, I’m surprised, this actually worked! My lashes are fuller and longer, no more falsies!! And my sparse eyebrows are finally thicker and defined!WELL worth more than $35!!”

Some people did complain about the size of the bottle as it only lasts a month, but most said it was worth the cost.

Pros: Formulated to work on lashes and brows, leaves them looking fuller and longer, restores the appearance of lashes and eyebrows

Cons: Not a lot of product for the price

Buy the Shiseido Full Lash and Brow Serum at Sephora for $35



The best mascara with eyelash serum

Why you'll love it: If you want a lash serum that helps grow your lashes and doubles as a mascara, try the Rimmel Lash Accelerator Mascara.

Since eyelash serums take a few weeks before you start to notice a difference, Rimmel London added a serum to its mascara to enhance lashes in the long and short term. The Lash Accelerator Mascara makes lashes look more defined and longer, while at the same time, stimulating lash growth.

With continued use, Rimmel's Grow-Lash Complex serum works to strengthen, nourish, and renew lashes to boost natural lash growth.

The mascara is very popular with shoppers and has a 5-star rating on Target's site, as well as a 4.46 out of 5-star rating on Influenster with more than 1,700 reviews.

One reviewer said, “I’ve been using it now for 10+ years and absolutely can’t live without it. The mascara actually made my eyelashes grow and made them look so much fuller. It truly worked!”

A few people weren’t a fan of the mascara’s small applicator brush but most said they got used to it after a while.

Pros: Affordable, works instantly and over time, two products for the price of one

Cons: Small applicator brush not for everyone

Buy Rimmel Lash Accelerator Mascara at Target for $7.99



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How John Krasinski went from 'The Office' star to a Hollywood leading man

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john krasinski

If you feel like you’ve been hearing the name "John Krasinski" more often than you ever have before, you’re not wrong. Krasinski is at the top of his game right now as an actor, director, and producer, and he’s been getting all sorts of attention from the media, critics, and fans alike.

Many probably know Krasinski as Jim Halpert from "The Office," arguably his most memorable role. After playing one specific character for years, it’s easy for celebrities like Krasinski to become almost indistinguishable from their character, which can make it really hard for them to move into other kinds of roles.

That didn’t happen for Krasinski, though. Once “The Office” ended, he immediately moved into bigger projects, and this past year, the release of his film, "A Quiet Place" confirmed him as a bona-fide Hollywood blockbuster star. Just recently, Time named him one of the Most Influential People of the Year for 2018. It’s safe to say that Krasinski isn’t going anywhere any time soon.

But how did he go from television sitcom star to a leading man and a big player in the Hollywood scene? Here’s a breakdown of how Krasinski got where he is today.

Before "The Office," Krasinski studied acting and took on small jobs in show business.

Krasinski studied theatre arts at Brown University and the National Theater Institute, as well as at the Royal Shakespeare Company in England and the Actors Center in New York City, according to the New York Times.

After school, he went to New York City, where he played in some minor roles, like commercials, movies, and off-Broadway plays. He also interned as a scriptwriter on the show "Late Night with Conan O’Brien" in 2000.



In 2004, he got his big break when he was cast as Jim Halpert on "The Office."

Playing Jim on "The Office" was Krasinski’s first major role, and he did it from 2005 until 2013. Krasinski’s role as Halpert was beloved by fans and critics alike. In 2006 and 2007, the cast won Screen Actors Guild Awards for Outstanding Performance by an Ensemble in a Comedy Series.

During his time on the show, Krasinski did more than just act. He once revealed that he had shot the Scranton footage you see during the show’s opening credits when he was researching the area before they started filming. He also directed several episodes of the show, including "The Boat,""Lotto," and "Sabre."



Krasinski began showing up in smaller roles in various movies.

Around the time he was cast as Halpert, Krasinski had minor roles in "Law & Order: Criminal Intent,""CSI: Crime Scene Investigation," and "American Dad!" In 2005 and 2006, he appeared in films like "Jarhead" and "A New Wave." He had small roles in movies such as "For Your Consideration" and "The Holiday." In 2007, he starred in the romantic comedy "License to Wed" with Mandy Moore and Robin Williams. In 2008, he had a role in "Leatherheads," directed by George Clooney.



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Check out these stunning photos of sailors swimming next to their nuclear submarine

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USS Olympia submarine

There are some people lucky enough to swim with dolphins at some point in their lives — and then there are even luckier people who get to swim next to a nuclear submarine in the open ocean.

That's exactly what the crew of the USS Olympia recently did. 

After partaking in the world's largest naval warfare exercise called Rim of the Pacific, or RIMPAC, where they helped sink the USS Racine with a Harpoon anti-ship cruise missile, the submariners aboard the Olympia got a chance to cool off in the ocean next to their sub. 

The stunning photos were first noticed by The War Zone's Tyler Rogoway

Check them out below below. 

SEE ALSO: We took a rare tour of one of the US Navy's most dangerous warships that entered combat for the first time in Syria

SEE ALSO: The Russian navy was all set to impress Putin on Navy Day — and then this happened

A submariner serving on the Olympia swims toward the camera.



Sailors tread in the ocean next to their submarine, an attack boat based out of Pearl Harbor, Hawaii.



A sailor serving on the Olympia gives a shaka sign, a gesture from Hawaiian surf culture, to the camera.



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I ordered the same items from Amazon and Walmart to see which site does it better — and they both had major flaws

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Amazon vs Walmart 1

  • Amazon and Walmart are the two largest sellers of merchandise online.
  • Amazon has been dominant, but Walmart has drastically beefed up its online offerings to compete.
  • I tested both of them head-to-head to see which one does e-commerce better now. It was difficult to come to a conclusion.

Amazon versus Walmart is the story of our time — at least when it comes to shopping online.

As more and more customers move their shopping online, retailers are racing to convince them to buy from their website instead of a competitor's. The two companies that have captured many of those customers are Amazon, and, to a smaller extent, Walmart. It seems on the surface level that the two retailers' offerings now might be equal in terms of price and convenience.

While Walmart stumbled slightly in its quest for online dominance in the fourth quarter last year, it made a slight comeback in its most recent quarter, reporting 33% online sales growth year over year. Amazon, on the other hand, had a record-setting holiday season, and analysts estimate that it took nearly half of all online sales. Its sales grew 39% year over year in the most recent quarter. 

Keeping that in mind, there was only one thing I could do: put both retailers' e-commerce offerings to the test.

I ordered a handful of items from each retailer, matching the SKU as well as I could. Then it was time to sit back and watch the orders roll in, making sure to log every email correspondence and message from the companies.

What I found was that while the two services are not exact copies of each other, they're basically equal. I had quibbles with both, and I found there's definitely room for improvement and innovation in the e-commerce space. Keep reading for my full experience:

SEE ALSO: The evidence is piling up that Amazon will choose Washington, DC, for its HQ2

I started my quest on Walmart.com, where I was sure to find everything I needed to meet a few specific goals I had in mind.



A list of departments and a search bar helped me find everything I needed. Seasonal call-outs, for example to "stretch your tax refund," were cute, but not necessarily helpful since I already knew what I was looking for.



I wanted something sweet, and these Reese's Eggs fit the bill perfectly. They would be even cheaper if bought in-store, but I don't have a local Walmart store. Alas.



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MORGAN STANLEY: CEO turnover is on the rise and these 7 cloud software companies have the most to lose (CHGG, SHOP)

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Domino effect

Intel employees woke up one morning at the end of June to surprising news: Brian Krzanich, CEO of the company since 2013, had resigned after the board found he had violated company policy by having an affair with an employee. 

Krzanich's departure came as a surprise to many, including a former board member who told Business Insider's Julie Bort that the decision to find new leadership at the $228 billion chip company was sudden. But Intel quickly replaced Krzanich with an interim CEO in the form of then-CFO Bob Swan, and went on to have a pretty good quarter.

Not all companies will be so lucky, according to a new report published by Morgan Stanley on Monday, which found that CEO departures meaningfully impact shareholder value.

"As a majority of CEO departures are unexpected, this elevated level of turnover suggests that investors should be increasingly aware of companies that face 'key man' risk, or those that have a high level of reliance on a single individual," wrote equity analysts Mark Savino, Jessica Alsford and Victoria Irving.

In 2017, CEO departures reached a their highest level since before the financial crisis, according to the report. S&P 500 companies that lost a CEO in 2017 underperformed by 11% over the following 12 months, or since the departure if it was less than 12 months ago.

The report identified CEOs across sectors whose departure would have the biggest negative impact on their company's value. We pulled out the seven CEOs in the cloud software-as-a-service (SaaS) space, who investors should take pains to monitor closely.

SEE ALSO: A Salesforce competitor just raised $100 million from Silicon Valley investors to become India's first enterprise-software unicorn

Chegg's Daniel Rosensweig

Rosenweig has played a pivotal role in transitioning Chegg into the significant education tech player that it is today.

"Mr. Rosensweig became CEO in 2010 when Chegg was just a textbook rental company. Since then, he has taken the company public and has transformed the company into a 100% digital business," Morgan Stanley wrote in the report. "Further, Mr. Rosenweig has played a key role in transitioning free products to subscription based products."

The report describes Rosenweig as a "visionary," but added that a "strong succession plan is most likely not in place" in the event that he leaves. 



DXC Technology's Mike Lawrie

Morgan Stanley credits Lawrie with turning DXC around for the better, which is why investors see him as key to the IT service provider's success moving forward.

"He took control of the DXC in 2012 and has since significantly transformed the business," according to the report. "During his tenure, the stock has gone from $9.6 billion in market cap in 2014 to $22.8 billion today. Many investors have a positive view of Mr. Lawrie and ascribe DXC's success to him." 



Medidata Solution's Tarek Sherif

Sherif, who cofounded life sciences data analysis software company Medidata Solutions in 1999, took on the role of CEO in 2001. This long history with the company has given investors confidence in his leadership, though Morgan Stanley believes that Sherif has a strong enough management team around him to carry on if he ever departs.

Still, Sherif is a key asset to the company, according to the report. 

"As CEO, Mr. Sherif grew the company from a small startup to a 600-employee company with a $5 billion market cap. In his extensive tenure, Mr. Sherif has also called a majority of decisions made by the company, signifying his importance," it says 



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