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The latest news on Features from Business Insider

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    Playstation Classic

    The PlayStation Classic is adorable, obviously. Just look at that tiny little replica of the original PlayStation! There's no way a full-sized CD could fit in that CD-ROM drive!

    More importantly, though, the PlayStation Classic comes with 20 equally classic games — at least, that's the case for the first five Sony has announced.

    Here's what we know so far, and a few more that we expect will arrive with the PlayStation Classic on December 3:

    SEE ALSO: Sony just announced a $100 mini version of the original PlayStation — here's everything we know about the PlayStation Classic

    Sony officially announced on Wednesday the first five of 20 games that will come preloaded on the PlayStation Classic. They are: "Final Fantasy VII" ...



    ... "Wild Arms" ...



    ... "Tekken 3" ...



    See the rest of the story at Business Insider

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    Trump carrier factory brightened

    • President Donald Trump announced a new tariff on $200 billion worth of Chinese goods on Monday.
    • The tariff, which goes into effect September 24, will hit a wide range of goods, from furniture to industrial chemicals.
    • These are the biggest imports that are going to get hit, ranked by the monetary value of total imports to the US from China in 2017.

    President Donald Trump's latest broadside against China could drive up the cost of some very important imports.

    The latest round of tariffs, which hit goods ranging from from agricultural products like fruit, to consumer goods like furniture to industrial items like chemicals, are set to go into effect on Monday. Economists expect that the items hit by the 10% tariff will increase in price, making those goods more expensive for US consumers and businesses.

    The total value of the 5,745 items on the Trump administration's list is just under $200 billion worth of Chinese goods. But, some of the goods weigh more heavily than others.

    Using data from the US Trade Representative's tariff list and the US Census Bureau's database, the Trade News Centrebroke down how much of each good was exported to the US from China in 2017 to determine the most important items that will get hit. We've then narrowed down the list to the imports of which the US bought at least $1.5 billion worth from China in 2017.

    There were 14 items on the tariff list that topped $1.5 billion in import value last year with a hodgepodge of goods including auto parts, circuit boards, and chairs.

    Included with each item is the common name for the goods, the value of 2017 imports to the US, the technical name for the goods in the harmonized system (an international classification system for goods in order to standardize trade), and the goods harmonized system code (which allows importers, exporters, and government officials to look up goods easily).

    Check out the list below:

    Printed circuit boards: $11.64 billion imported from China in 2017

    Technical name: Printed circuit assemblies, not incorporating a cathode ray tube, of the machines of 8471.

    HS Code: 8473.30.11



    Desktop computers: $4.48 billion imported from China in 2017

    Technical name: Processing units other than those of subheading 8471.41 and 8471.49.

    HS Code: 8471.50.01



    Metal furniture (expect office furniture): $3.87 billion imported from China in 2017

    Technical name: Furniture (o/than seats) of metal nesoi, o/than of a kind used in offices.

    HS Code: 9403.20.00



    See the rest of the story at Business Insider

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    apple pay visa

    • Businesses around the world pay each other about $127 trillion every year, and the process is still bogged down by paperwork and administrative costs. 
    • According to a report from Goldman Sachs, there's $1 trillion in revenue to be earned by companies such as credit-card networks that digitize and cheapen the business-to-business payments process. 
    • The analysts listed 11 publicly traded companies at the forefront of this opportunity. 

    A $1 trillion opportunity is open for companies that get in front of changing how businesses make payments, according to Goldman Sachs analysts. 

    That's how much revenue Goldman Sachs analysts estimate banks and payments processors can earn from improving how businesses worldwide settle their accounts payable. 

    "With the vast majority of invoices still processed manually and paid by paper check, we see significant opportunities for business to reduce costs — creating new revenue pools for payment and software companies entering the market with faster, lower-cost invoice processing and payment solutions," the analysts led by James Schneider said in a report released Sunday. 

    Business-to-business payments add up to $127 trillion in flows, and could nearly double to an estimated $200 trillion by 2028, the analysts said. 

    Small businesses should see the most cost savings as they adopt more digital solutions like automatic invoice processing (versus manually capturing all the data). North American businesses spend an estimated $510 billion every year on payments to suppliers, including costs like labor, foreign transaction fees, and interest on short-term loans, the analysts said. 

    "While thus far the digitization of B2B payment flows has been slow - especially among small business - we believe the market is finally poised to accelerate," Schneider said. 

    The list below features the publicly traded companies, including card networks and software providers, that Goldman believes will be most exposed to these revenues over the next five years.  

    SEE ALSO: The CEO of a $736 billion asset manager that sidestepped the most toxic casualty of the financial crisis warns of the big risk in markets right now

    Mastercard

    Ticker:MA

    Market cap: $222 billion 

    Comment:"Although Mastercard ranks third in terms of commercial card volume, we think Mastercard has the most comprehensive portfolio of B2B payment products across the card networks with virtual cards, Fast ACH, and Mastercard Send. Mastercard is the leader in virtual cards and the only card network with Fast ACH, a capability it acquired in 2017 with its acquisition of the United Kingdom’s leading instant payment clearing system VocaLink."

    Source: Goldman Sachs 



    Visa

    Ticker:V

    Market cap: $261.93 billion 

    Comment:"Visa is the global leader in commercial cards and has been working to strengthen its virtual card footprint (WEX recently partnered with Visa to strengthen its international footprint). Visa’s virtual card offering powers Stripe’s Instant Payout solution, Worldpay’s instant payment offering, and First Data’s Disburse-to-Debit solution for businesses paying contractors and temporary workers."

    Source: Goldman Sachs 



    American Express

    Ticker:AXP

    Market cap: $92.81 billion 

    Comment: "AXP is the #1 commercial issuer globally, with relationships with over 60% of Fortune Global 500 and is the #1 small business card issuer in the US. AXP’s unique integrated payments platform allows AXP to have direct relationships with buyers and sellers, creating the opportunity to flexibly price and structure transactions to meet buyer and supplier needs."

    Source: Goldman Sachs 



    See the rest of the story at Business Insider

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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.

    lifx light bulb

    From how we sleep to how we eat and drink, there are many ways we live our daily lives at home that can be improved. With the crowdfunding power of Kickstarter, the creative and innovative ideas that solve these common problems are turned into real products. 

    If not for Kickstarter, we wouldn't be able to effortlessly grow our own herbs at home and use said herbs in a sous vide recipe, nor would we be able enjoy better showers (while saving water!) and stay cool as we sleep. Though the homes of the future increasingly harness the power of tech, sometimes simple products — like a supportive pillow or a cast iron pan — can improve our lives just as well. 

    All of the home and kitchen products below have found great success on Kickstarter, raising hundreds of thousands to millions of dollars. 

    If you're interested in more Kickstarter successes, check out these stories: 

    Casper Duvet — $352,000 pledged by 1,034 backers

    Humidity Fighting Duvet (Full/Queen), $390, available at Casper

    Casper's team learned that humidity, not heat, is the main culprit of many sleepers' woes, which is why they included a layer of moisture-wicking merino wool in this down duvet. 



    Stagg EKG — $447,000 pledged by 2,904 backers

    Fellow Stagg EKG Electric Pour-Over Kettle, $149, available at Amazon

    This stylish matte kettle has several features to give you the perfect pour-over: a precision pour spout, counterbalanced handle, 1,200-watt quick heating element, and variable temperature control.



    Goat Mug — $458,000 pledged by 10,617 backers

    Goat Story Mug (12 oz.), $29.50, available at Amazon

    This uniquely shaped mug is easy to drink out of and clean, and the leather holder turns into mug stand so you can set it down. It also comes with two straps for easy carrying. 



    See the rest of the story at Business Insider

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    college graduates

    • Millennials' lives are a lot different than their parents' lives were at the same age.
    • Exhibit A: College— higher education has evolved over time, creating a different environment for millennials compared to previous generations.
    • Most significantly, college today is more expensive for millennials— but it has also experienced an increase in technological advancements and opportunities, diversity, and stress and competition.

    Millennials face a lot of differences compared to their parents — they carry bigger financial burdens; deal with a different dating pool; always have to be "on" at work, but have more flexible working options; and have access to social media.

    They also have a different college experience than baby boomers and Gen X did. Most notoriously so, the cost of college tuition has significantly increased since the 1980s, but there are a few other contrasts as well, both good and bad — think technological advancements, increased diversity, and more stress and competition. 

    In fact, more millennials are attending college than any previous generation. According to the Pew Research Center, the number of college-educated young adults with a bachelor's degree is at its highest point yet — 40% of millennial workers aged 25 to 29 had a bachelor's degree in 2016, compared to 32% of Gen Xers in 2000 and 26% of baby boomers in 1985.

    But they're attending college in a different environment. From the price of college textbooks to online learning opportunities, here's how college differs for millennials.

    SEE ALSO: 7 ways life is more expensive today for American millennials than previous generations

    DON'T MISS: College is more expensive than it's ever been, and the 5 reasons why suggest it's only going to get worse

    More students are going to college.

    "The demand for higher education has risen dramatically since 1985," Richard Vedder, author and distinguished professor of economics emeritus at Ohio University, previously told Business Insider.

    NBC News previously reported that undergraduate enrollment in the US had duplicated from 1970 to 2009. And, according to the Department of Education, US colleges expected a total of 20.4 million students in fall 2017, about 5.1 million more than in fall 2000.

    "The rewards for college have expanded and grown from 1985 to a little after 2000 and sort of leveled off in the past decade," Vedder said.

     



    College is more competitive.

    With more students applying to colleges, it's harder to get in. In 1988, the acceptance rate for Columbia University was 65%; as of 2014, it's 7%, according to US News & World Report. Likewise, the University of Michigan's acceptance rate dropped from 52% to 33% in the same time period.

    But Jacoba Urist of The Atlantic says that there is truth and untruth to the myth of college admissions getting harder each year. "As it turns out, getting into college actually isn't any harder than it was a decade ago," she wrote. "It's just that the odds of admission to your particular college may have decreased."

    Whatever the case, the facts show that acceptance rates are on the decline.



    College is more expensive.

    College tuition has more than doubled since the 1980s. From the late 1980s to the 2017-18 school year, the cost of an undergraduate degree rose by 213% at public schools, adjusting for inflation.

    Back then, the average annual tuition for public college was just $1,490, or $3,190 in today's dollars, compared with today's price tag of $9,970, according to Student Loan Hero

    Private college tuitions witnessed a cost increase in the period of 129% when adjusted for inflation. In the late 1980s, it cost $7,050, or $15,160 in today's dollars, for a private undergraduate degree. Today, the average cost is $34,740.



    See the rest of the story at Business Insider

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    Zara

    • Zara's headquarters are located in Arteixo, a small town on the northwest coast of Spain.
    • More than 5,000 employees across various departments including design, photography, sales, and e-commerce work here. The site is also home to Zara's largest distribution center, which is responsible for shipping the retailer's clothing to 96 different countries around the world.
    • The presence of these sprawling headquarters has had a profound impact on the nearby city of La Coruña, where many of Zara's employees choose to live. 

    Zara may have grown up, but it never really left home. 

    The clothing chain has been based in Galicia, on the northwest coast of Spain, since 1975. But what started out as just one store has grown into an enormous, multi-national business that is considered to be the largest fashion retailer on the planet, turning out over $30 billion in sales a year.

    Despite this, Zara has always stayed true to its roots, and its billionaire founder, Amancio Ortega, has continued to expand its global headquarters in Galicia to accommodate its growth.

    To do so, the company has brought in thousands of employees from different parts of the world to work on its design, photography, sales, and e-commerce strategy. This has had a dramatic impact on the culture of the nearby city of La Coruña, where many of these employees choose to live.

    The locals call it the "Impacto Inditex," and it's felt in all areas of the city. Whether it be the fashionistas that roam the streets, dipping in and out of its trendy stores, cafes, and bars, or the disgruntled residents who say they face rising living costs, it's clear that Inditex is having a profound impact on life in La Coruña, for better or worse. 

    We visited the city in August to see how much it has changed with the rise of Zara:

    SEE ALSO: Zara has a new tactic to compete with Amazon and Asos

    Amancio Ortega opened the first Zara store in La Coruña in 1975. He originally named his store Zorba after the 1964 film "Zorba the Greek," but changed it after he discovered a nearby bar had the same name. Ortega reshuffled the letters to come up with Zara.

    The first store still exists in La Coruña today, but there is very little distinguishing it from Zara stores you might find anywhere in the world. 



    Ortega opened Zara's headquarters in the nearby town of Arteixo in 1977. This is still its home today.

    Arteixo, a small town with a population of about 30,000, is a roughly 20-minute drive from La Coruña, or A Coruña, as it's known in Galician. 



    Over the course of two decades, the brand expanded dramatically, opening stores across Spain and in different countries around the world. In 1985, Ortega incorporated the chain into a holding company called Inditex.



    See the rest of the story at Business Insider

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    Marc Benioff

    Dreamforce is Salesforce's massive tech conference — so massive, in fact, that practically shuts down the city of San Francisco for the better part of a week. And it's coming soon, running from September 25th to the 28th.

    The streets of San Francisco will be packed with the 170,000 attendees eager to learn about tech and enjoy an onslaught of music concerts, parties and other events.

    To do this event right takes a bit of planning, preparation, and maybe even a bit of shopping.

    With over 2,700 sessions, speakers like former Vice President Al Gore, a concert featuring Metallica, and countless unofficial meetings to be had in the streets and hallways, it's a busy time and a doozy to plan for. You may have your tickets booked and a calender filled out, but are you really ready for Dreamforce?

    Maybe not. But have no fear. We've compiled the five things you need to know before showing up to Dreamforce this year. Don't say we didn't warn you.

    An earlier version of this story first ran in November 2017.

    SEE ALSO: Silicon Valley loves Burning Man and these tech executives are no exception

    Buy new shoes

    San Francisco's Moscone Center is the central hub for Dreamforce, but the event actually takes place across multiple venues in the SoMa (South of Market) neighborhood — not to mention the after parties scattered throughout the city.

    That means even the most indolent attendees will find themselves racking up steps on their fitness trackers.

    "I actually go out and buy some shoes every year because it really really takes its toll," said Ben McCarthy, a Salesforce consultant and founder of the industry blog Salesforce Ben. "You don't notice it until you do and you see that your feet are completely destroyed."

    This is a vital part of Dreamforce prep, he said, because if the conference doesn't get to you, the city will.

    "I was warned about the hills. Don't under estimate the scale of the US. On Google Maps it doesn't look that big at all, but I think I've got the record on my Fitbit in San Francisco," McCarthy said, who's flying in for the event from London. 

    (Pro tip: If you're buying new shoes anyway, don't forget to throw in a pair of compression socks. They gently squeeze your legs, which increases blood flow to reduce swelling and aching.)



    Pack a portable phone charger — or two

    Dreamforce is known for its extensive swag, and branded portable chargers are a popular option across conferences this year. But when it comes to keeping your phone charged, it's better to be safe than sorry.

    "Definitely take a portable charger," said McCarthy. "They run down over the year, so I get a new one for Dreamforce."

    While Dreamforce has plenty of wall outlets where people can plug in their laptops or chargers, McCarthy said that he spends so much time running around, it's not practical to sit around waiting for a phone to charge. 



    Plan your agenda, but don't overbook

    The Dreamforce agenda builder went live in early September, which was a pretty big deal for veterans of the conference. 

    The Salesforce tool lets attendees browse the dense session offerings and reserve spots on their schedule. While reserved spots are limited, a number of the sessions also have room for walk-ins, or take extra people once it's clear that people who reserved a seat aren't going to show up.

    With over 2,700 sessions (and a limited number of seats), many attendees feel compelled to pack their days with back-to-back sessions. But this is not advised. 

    "With the conference prep, I think people should really spending time with the agenda and figure out ahead of time which sessions they want to get," said Bryan Parker, CEO of DoubleDutch, a mobile app developer. 

    Salesforce offers sessions for many different industries, job titles, products and levels of expertise. So there are already several criteria that help attendees focus on the best sessions for their own needs.

    McCarthy suggested that attendees sign up for only two or three sessions a day, so that they can spend the rest of the time networking and exploring some of the more passive learning experiences that the conference has to offer. 

    "You've got to prioritize the things you want to explore," McCarthy said. 



    See the rest of the story at Business Insider

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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.

    Fire Stick vs Roku Stick

    • The easiest and cheapest way to make a TV smarter is to buy a media streamer, and two of the best options are Amazon's Fire TV Stick and Roku's Streaming Stick.
    • Both are fine choices, and have their own set of pros and cons, but the Fire TV Stick won out overall.
    • The biggest deciding factors were that it can be used for non-video activities and has Alexa.

    Whether you're looking to make an older TV smart, or want to stop using the built-in streaming apps that came bundled with your current set, you're going to want a media streaming stick.

    They're small, relatively inexpensive, packed with features, and pretty easy to understand and set up. But that begs the question: Which one should you get? Two of the most popular options are Amazon's Fire TV Stick and Roku's Streaming Stick, and we've compared them below to help you make the best choice. 

    Some of it will come down to the other tech in your life, but the good news is there's no real bad choice. That said, read on to figure out the right streaming stick for you.

    Fire TV Stick with Alexa Voice Remote, $39.99, available at Amazon

    Roku Streaming Stick, $48.26, available at Amazon

    SEE ALSO: 50 must-have tech accessories under $50

    The basic tech specs

    Winner: This round goes to Amazon, since the Fire TV Stick has more memory and internal storage.

    At first glance, the Fire TV Stick and Roku Streaming Stick seem to be very similar, but that's not the case under the hood. 

    They do both connect to your TV via HDMI, support the latest Wi-Fi standard (802.11AC), tap out at 1080P video output, and get their power via a Micro USB cable, but that's where the similarities end. 

    The Fire TV Stick has 8GB of internal storage and 1GB of memory, whereas Roku's Streaming Stick only has 256MB of storage and 512MB of memory. If you're only going to stream video from a couple of sources, the internal storage won't be a major issue, but having less memory is a distinct disadvantage for Roku.

    I can't directly compare the processors in both because Roku doesn't list the clock speed or number of cores for the Streaming Stick, but the startup has been pretty good at keeping up with the pace of technology with its hardware revisions. 

    That said, this round goes to Amazon, since the additional storage and memory make it more adaptable should your needs change.



    Content

    Winner: If you're only looking to stream video, either streaming stick will work, but games and Alexa skills give the Fire TV Stick the edge.

    Roku has built its reputation on being the top platform for streaming video. Because it doesn't focus any resources on making content, the startup has charged full force into making sure everybody else's videos are available on its platform. With over 5,000 "channels," you're bound to find everything from top-tier streaming services to niche broadcasting. 

    On the other hand, the Fire TV Stick has access to fewer video services — though every one I searched for was available — but can play games and use other apps, like Facebook. To be fair, I don't think the Facebook experience would be exceptional on a TV, but it's nice that the option is there if you want it.

    In both cases, you'll get access to Netflix, Hulu, Amazon Video, YouTube, Vimeo, HBO Go, and Spotify, so really it'll come down to non-media apps.

    Games made the bigger difference here, since it makes the Fire TV Stick a little more versatile. You may be able to get away with using this as a game system for casual players or kids. On top of that, you can use thousands of Alexa skills, since it's built right into the remote.

     



    The interface

    Winner: Roku won this round thanks to its more fun and approachable interface.

    I have some experience with both interfaces, and this round is going to the Roku Streaming Stick. The Fire TV Stick's interface isn't bad, but it's a little clunkier to navigate and easier to get a little lost in. 

    Roku's look is distinctly more "fun," which might be off putting to people who take their media very seriously, but is ultimately a win for less tech-savvy folks. I know this first-hand, since my mom has been using a Roku TV for nearly two years and hasn't complained about how it works once. 

    If you're more tech-focused, you may appreciated the sleek look of the Fire TV Stick's interface, but it's a bit unfriendly. Roku's, on the other hand, is just as powerful and a little more inviting, which is what made the difference this round.



    See the rest of the story at Business Insider

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    IbizaSpain WhatToDo (2 of 27)

    • I spent five days on Ibiza, the island off the coast of Spain, over Labor Day weekend.
    • Ibiza has a reputation as one of the top places to party in the world, with thumping 24-hour clubs, wild pool parties, and gorgeous beaches.
    • While I enjoyed Ibiza's party scene, which I found to be accessible to those usually turned off by exclusive, pretentious club scenes, Ibiza's verdant northern countryside was the most surprising aspect of my trip. It was beautiful, secluded, and felt miles away from the hard-partying coast.

    I'm not sure what I was expecting before arriving in Ibiza.

    I'd heard so much about the island from friends, magazines, music videos, and paparazzi photos that would be impossible not to have some preconceived notions.

    In short, I was expecting something like a super-sized version of the Greek isle of Mykonos, which I had visited a month before. That island I found to be a bifurcated paradise divided between the world's wealthy and famous having a private ball and crowds of vacationers, hard-partying dance-music junkies, and cruise-shippers peeking in for a glance.

    While the 24-hour party culture is no doubt present in Ibiza, what I found on the White Isle was a place far more varied and nuanced than I imagined. As easy as it is to find a packed, thumping club, it is just as easy to find a hidden beach tucked into a cove or a mountain retreat far from the glitz and glam.

    That's not to say tourism in Ibiza is perfect. Last year, the island of 130,000 saw more than 3 million tourists, a number that has been growing since the 1990s. And the local population has complained of tourism they deem "unlimited, disrespectful and excessive," according to The Telegraph. In response, the island has increased its tourist tax, put limits on nightlife, and banned the rental of housing to tourists (thus all but eliminating Airbnb from the island).

    When I visited over Labor Day weekend this year, I found the island a welcoming and accessible vacation spot for all different kinds of budgets and temperaments. Here's what it was like:

    SEE ALSO: I stayed at Robert De Niro's ridiculously swanky new hotel in Ibiza — and it makes you feel like a celebrity, if you can afford it

    SEE ALSO: I visited the glittering Greek island of Mykonos, the summer destination of choice for billionaires — and it's a very different experience if you aren't swimming in money

    Everyone has an idea of Ibiza before they get there. Like many, I thought it was all about non-stop partying. So when I got off the plane, I headed to Sant Antoni de Portmany, a town on the island's west coast with a reputation as a hotspot for young partiers from the UK.



    I checked into the Ibiza Rocks Hotel, located in the heart of Sant Antoni de Portmany. The hotel is famous for its pool parties where they bring in top-notch DJs for wild sets. Anyone can buy tickets, but if you stay in the hotel, you get free entry.



    The hotel is kind of like a glorified dorm/hotel circa Daytona Beach spring break. When I got there, the place was packed as British drum and bass band Rudimental performed a DJ set. A second benefit of staying at the hotel? I went up to my room mid-set to mix up a few drinks and avoid overpriced cocktails.



    See the rest of the story at Business Insider

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    WhatToPackRoundTheWorldTrip (11 of 11)

    • As Business Insider's international correspondent, I've spent the past six months traveling through Hong Kong, China, Singapore, Greece, Israel, and Russia, among other places.
    • I use a ton of different apps to make travel as efficient and seamless as possible. I decided it would be fun to reveal my most used apps and why I use them.
    • Among the many, many apps I use all the time are WhatsApp, Adobe Lightroom CC, Couchsurfing, Triposo, Culture Trip, and Google Photos.

    As Business Insider's international correspondent, I've spent the past six months traveling through Hong Kong, China, Singapore, Greece, Israel, and Russia, among other places.

    Traveling for a living is a fun, exhilarating, and, quite frankly, exhausting experience. But the best way to make it more fun and less exhausting is to have a digital toolkit — i.e., a smartphone loaded up with every app I need to get things done as efficiently as possible.

    When I get off a plane, I want to know how much money to take out of the ATM, how to hail a cab, where the best hole-in-the-wall restaurant is for dinner, and how to say, "I'd like to order 10 of those, please."

    With 12 countries checked off on the trip so far (and who knows how many to go) I decided it was time to reveal my most used apps. They aren't all revelations — who hasn't heard of Google Maps? — but I can guarantee there's at least one in there you haven't thought of yet.

    Perhaps you'll find some inspiration for your next trip abroad.

    SEE ALSO: I'm taking a trip around the world with only a carry-on suitcase — here's everything I packed

    DON'T MISS: From off-roading in China to 22 hours of sunlight in Moscow: the one thing you have to do in 12 countries around the world

    1. WhatsApp (free)

    By far my most used app. So long as you are outside of China, WhatsApp is most likely the most common messaging for Americans and everyone else.

    Download WhatsApp »



    2. Facebook Messenger (free)

    Like everyone else these days, I hate using Facebook, but a huge part of my social network is there. Additionally, Facebook is the app that just about every person you meet also has.

    Thankfully, Messenger is an aesthetically pleasing and pared-down messaging app that lets you tap into that network without having to be bombarded with your high-school ex's political arguments.

    Download Facebook Messenger »



    3. Telegram (free)

    Telegram has turned into my go-to for talking to sources in countries where the government might be watching what you say (*cough* China, Russia *cough*).

    Download Telegram »



    See the rest of the story at Business Insider

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    j crew 3274

    • J.Crew is redefining its look as it works to win back customers. 
    • The namesake brand saw its sales decrease for three consecutive years prior to its most recent fiscal quarter, when comparable sales increased by 1%.
    • The new J.Crew is less preppy and more like its successful sister brand, Madewell. It offers more trendy styles and a wider range of sizes. 
    • But when we visited, we found that one big flaw still remained.

     

    J.Crew is ditching its preppy roots and redefining itself in an effort to win back customers.  

    The once hugely popular preppy brand had been on a downward spiral until its most recent fiscal quarter, when it saw comparable sales increase by 1%. Prior to that, sales had slipped for three consecutive years

    Part of why the brand has consistently struggled is that some customers see it as overpriced, generic, and even "wannabe trendy." Former J.Crew creative director Jenna Lyons left in early 2017 and was followed by longtime CEO Mickey Drexler.

    Now, J.Crew is trying to redefine itself by branching out beyond its iconic preppy style and offering a wider variety of styles and sizes.

    "You can't be one price. You can't be one aesthetic. You can't be one fit," new CEO Jim Brett said in an interview with the Wall Street Journal

    It's also looking to its more successful sister brand, Madewell, for inspiration, adding products like sweaters with French slogans and high-waisted denim pieces that are more likely to be found at Madewell. 

    We visited a J.Crew store in New York City shortly after the rebrand launched. Here's what we found: 

    SEE ALSO: We visited Old Navy and saw why it's Gap's biggest asset

    We visited the J.Crew store at Brookfield Place in New York City. The store window read "The New Mix."



    There was also a sign in the front of the store that explained the philosophy behind "The New Crew." It ended with: "Coming together, doing what you love, wearing what you love."



    There were a ton of new products from the Point Sur brand, including basic sweaters, denim jackets, maxi skirts, and fur vests.



    See the rest of the story at Business Insider

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    now hiring

    • Careers site Zippia recently ranked the worst job markets in America for 2018.
    • The two worst job markets in America were both in New Jersey, according to Zippia.
    • The rankings were based on each metro area's unemployment rate, the change in unemployment rate from 2017 to 2018, and the average wage decrease from 2017 to 2018.


    If you're looking for a new job, you'll probably want to avoid the following cities.

    Careers site Zippia recently named the 10 worst job markets in America according to three factors measured by the US Bureau of Labor Statistics: unemployment rate, change in unemployment rate from 2017 to 2018, and the average wage decrease from 2017 to 2018. (You can see the list of the best job markets here.)

    According to Zippia's numbers, the two worst job markets in the country are both in New Jersey, while West Virginia, Washington, and California all also claimed multiple metro areas on the list.

    Read on to see the 13 worst job markets in the country.

    SEE ALSO: The 13 best cities in the US to find a job in 2018

    DON'T MISS: North Dakota's oil boomtowns are facing an uncertain future — here's what it's like to live there

    13. Longview, Washington

    Employed population: 37,100

    Unemployment rate: 6.2%

    Annual mean wage: $47,430



    12. Fresno, California

    Employed population: 372,770

    Unemployment rate: 7.5%

    Annual mean wage: $45,510



    11. Charleston, West Virginia

    Employed population: 111,090

    Unemployment rate: 5.4%

    Annual mean wage: $43,590



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    Brigham Young University students

    • Niche ranked the most conservative colleges in America as part of its annual series of college rankings.
    • Most of the top 25 are private Christian colleges.
    • The South is the most represented region on the list.


    As part of its annual series of school rankings, Niche ranked hundreds of American colleges on a scale from most conservative to most liberal.

    The most conservative colleges in the country are mostly small, Christian-affiliated schools, although a few public schools make appearances near the top of the list, too.

    It also may not come as a surprise that most of the schools in the top 25 are in the Southeast, the most conservative region in the United States. Utah, another conservative stronghold and headquarters of the Mormon Church, also has several entries on the list.

    Niche based its rankings on surveys from students at each school, and factored in both the political leanings of the students and the survey-takers' impressions of the political leanings of the rest of the student body.

    Read on to find out which school is the most conservative in America.

    SEE ALSO: The 25 most liberal colleges in America

    25. Grove City College — Grove City, Pennsylvania

    Acceptance rate: 82%

    Tuition: $17,254

    SAT range: 1060-1325



    24. Lee University — Cleveland, Tennessee

    Acceptance rate: 87%

    Tuition: $16,730

    SAT range: 920-1180



    23. Anderson University — Anderson, South Carolina

    Acceptance rate: 54%

    Tuition: $26,970

    SAT range: 930-1145



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    celebrities who competed on dancing with the stars

    "Dancing With the Stars" premiered on ABC in 2005 and has featured a variety of celebrities since. This includes singers, actors, reality TV stars, athletes, and even politicians. With more than 20 seasons — plus a new round of stars set to premiere on Monday, September 24 at 8 p.m. ET — it might be hard to keep track of all the names who have appeared. 

    From two Kardashian members to '80s and '90s stars like Mario Lopez and Melissa Joan Hart, here are 21 celebrities who you probably forgot competed for the mirrorball trophy. 

    In 2006, Vivica A. Fox participated on season three of the show.

    The "Empire" actress was paired with Nick Kosovich and landed in eighth place. 



    Actor Joey Lawrence was also on the third season.

    With pro dancer Edyta Śliwińska, Lawrence ended up in third place. 



    "Saved by the Bell's" Mario Lopez concluded season three in second place.

    Lopez was paired with Karina Smirnoff, who later won the mirrorball trophy on season 13. 

     



    See the rest of the story at Business Insider

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    Aaron Rodgers

    Because of the way NFL contracts are structured, there is no easy way to define "highest-paid players."

    Is the player with the highest salary? Well, most top players get a huge chunk of their money in signing bonuses. Is it the highest average annual salary? Well, that considers the entire deal, and most players never see the end of their contracts. Is it who will be paid the most money this year? That would be biased towards players who signed new contracts this year because so much money is in the signing bonus.

    Because of this, we have broken up the players by the highest-paid in different categories. Depending on which criteria you use, the answer to "highest-paid" can be entirely different.

    You can click through to each category here or scroll down to see all. Data via Spotrac and other sources.

    The 5 players who will be paid the most in 2018

    The 5 largest base salaries

    The 5 largest average-annual salaries

    The 5 largest salary-cap hits

    The 5 largest contracts

    The 5 contracts with the most guaranteed money

    The 5 players who will be paid the most in 2018



    5. Alex Smith, Washington Redskins — $40.0 million

    Position: Quarterback

    Contract: 4 years, $94.0 million

    One thing to know: With the Redskins signing of Smith to replace Kirk Cousins, the team's cap hit for their starting QB dropped from $24.0 million to a tad over $18 million. Still, with Smith's $27 million signing bonus, it means Washington has invested $84 million in their quarterback position the last three seasons. 



    4. Aaron Donald, Los Angeles Rams — $40.9 million

    Position: Defensive end

    Contract: 6 years, $135.0 million

    One thing to know:When Donald signed his deal, he was the first non-quarterback in NFL history with an average annual salary of over $20 million.



    See the rest of the story at Business Insider

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    hollister 2909

    • Abercrombie & Fitch has made some major changes in the past few years while its sister store, Hollister, has performed consistently well
    • In the second quarter, comparable sales were up 2% at Abercrombie's namesake store and 4% at Hollister, according to a company press release. It was the seventh consecutive quarter of growth for the Hollister brand. 
    • Abercrombie & Fitch CEO Fran Horowitz said in an August earnings call that Hollister has been successful because of its product assortment and marketing strategy. 
    • We paid a visit to a Hollister store in New York City and saw that it hasn't changed much over the years while its sister brand, Abercrombie, has worked to reinvent itself. 

    While Abercrombie & Fitch has had to make some major changes to its brand over the past few years, its sister brand Hollister has been doing relatively well. 

    Hollister is generally priced lower than Abercrombie and tends to support it similarly to how Old Navy supports Gap. It's meant to appeal to a younger crowd of shoppers and has a California-inspired theme. In the second quarter, comparable sales were up 2% at Abercrombie and 4% at Hollister, according to a company press release.  It was the seventh consecutive quarter of growth for the Hollister brand. 

    In its August earnings call, the company discussed plans to open 22 new stores in 2018, 13 of which would be Hollister stores. Last year, it remodeled 35 Hollister stores. But according to Retail Dive, the company as a whole has closed 400 stores since 2010, and it may close as many as 60 this year.

    Though Hollister hasn't vowed to make the same drastic changes its sister brand Abercrombie has, it has been quietly working on improving its stores and marketing strategy, Abercrombie & Fitch CEO Fran Horowitz said in the earnings call. Most recently, Hollister launched a campaign featuring Khalid and Noah Cyrus.

    On a recent trip to a Hollister store in New York City, we noticed that many products bore a huge logo — a design feature that Abercrombie has been criticized for in the past.

    Here's what else we found when we visited Hollister: 

    SEE ALSO: 50 stores you once loved that you'll never be able to shop at again

    We went to the Hollister store in Soho. Outside was a clearance sale sign advertising $29 hoodies and $20 jeans.



    Also in the entryway was a sign advertising Hollister's "click & collect" program, which allows customers to shop online and pick up in store.



    I noticed right away how many deals and promotions there were. Most things were on sale in some capacity. A sign advertised that if you spend $75 or more, you could get a free Hollister blanket.



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    skateboards

    • The value of a dollar changes from year to year as markets and economies fluctuate. 
    • The Bureau of Labor Statistics tracks inflation, calculating how much the American dollar was valued in any given year and month.
    • Business Insider looked at the value of $10 between the years 1965 and 2010 to find out what it could buy in 2018.

    The rate of inflation fluctuates year to year, month to month, as markets and economies change. 

    The Bureau of Labor Statistics can calculate how much the American dollar was valued any given year and month. Business Insider used the CPI inflation calculator to find the value of a $10 bill every year in January, from 1965 and 2010, in 2018 dollars.

    We then found out how much different products — from Sharpies to New Balance shoes — cost in 2018 to compare the buying power of past years.

    Below, find out what a $10 bill the year you were born could buy you in 2018.

    SEE ALSO: The richest person at every age

    DON'T MISS: What $100 was worth in the decade you were born

    1965

    Value of a $10 bill in 1965: $80.82

    What you can buy in 2018: A pair of New Balance shoes

    A pair of 574 New Balance women's shoes retail for $79.99. In 1965 dollars, $10 could afford you one fresh pair of New Balances.

     



    1966

    Value of a $10 bill in 1966: $79.29

    What you can buy in 2018: A Rihanna Fenty makeup palette

    Rihanna released her Fenty makeup line a year ago. A Galaxy Eyes palette from the collection goes for $79. In 1966 dollars, $10 would buy a Fenty fan one shimmery palette. 

     



    1967

    Value of a $10 bill in 1967: $76.64

    What you can buy in 2018: A leather-bound copy of The Bible

    The Holy Bible is the most stolen item worldwide. In 2018, a copy of the Bible with imitation leather bindings costs upwards of $76.56. In 1967 dollars, $10 would have covered a new Holy Bible with little change left over. 



    See the rest of the story at Business Insider

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    3 north american theater

    • Simon Yeung spent the last six months traveling the world to photograph abandoned places.
    • These pictures provide glimpses into locations people don't usually get to see.
    • His photographs have garnered over 14,000 followers on Instagram.

     

    Abandoned places are eerie and enticing, but many of us wouldn't venture in to see them for ourselves. Thanks to Simon Yeung, however, we can peek inside some of the world's most stunning abandoned spots.

    The photographer has been traveling the globe capturing hauntingly beautiful abandoned locations, garnering him over 14,000 followers on Instagram.

    Keep scrolling to see why.

    Yeung was a photographer focused on architecture and landscapes.

    Many of his early photos on Instagram are of those two things — that is, before he discovered his passion for abandoned places.



    But he always liked doing things that aren't mainstream.

    Yeung told INSIDER that he got started exploring abandoned locations when he visited his sister in Paris. "I was Googling off-the-beaten-track things to do there, and one of the things that came up was the abandoned railway line that goes around all of Paris," he said.



    Photographing abandoned places started as a hobby, but quickly turned into an all-consuming obsession.

    "I can only describe it as pure escapism and I consider myself fortunate to have seen so many incredible places," he said.



    See the rest of the story at Business Insider

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    Jon Carmichael Eclipse 108 All Rights Reseverd Online

    Astronomy photographer Jon Carmichael knew he wanted to capture 2017's total solar eclipse on camera — he just didn't quite know how. 

    Millions of Americans watched the event unfold last August, making it one of the most-photographed in history. And Carmichael felt the pressure.

    He studied the eclipse's path, and realized that a Southwest Airlines flight from Portland to St. Louis would put him in the perfect geographical — and physical — location to photograph the event. 

    So he booked a ticket.

    Keep reading to see how he achieved what's being hailed "the most amazing photo ever taken from a commercial airplane."

    Carmichael was ready to bribe a passenger for a window seat. Luckily, he didn't have to — and the entire flight crew got on board with his mission.

    Southwest doesn't offer pre-assigned seats, so Carmichael came prepared to pay somebody for one facing the right window. 

    But once he explained his vision to the flight crew, they assured him he would get a great seat — and the captain actually cleaned Carmichael's window to make sure it was crystal clear.

     



    The pilots actually circled the eclipse a few times so passengers could witness the once-in-a-lifetime event. That's when Carmichael captured his stunning photo.

    "In photography, it's very rare for something you envision to manifest itself, let alone to turn out even better than you had hoped," he said.



    "I had never felt more relieved, grateful, and excited in my life. Against all odds, it came together. It felt meant to be — and literally changed my life,” he told My Modern Met.

    "We're all one. We're all connected. And if you keep viewing the world as a pale blue dot, as Carl Sagan would say, it humbles you — and we all could use an ego check. And take care of each other"he said



    See the rest of the story at Business Insider

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    model t ford car

    The world we live in moves so quickly — there are things we use today that will be obsolete by 2020 — that it's no surprise that it was completely different a mere century ago.

    Take a look around your home — 100 years ago, there were no fridges, or microwaves, or hairdryers, and very rarely did someone have a bathroom, let alone two or three. Your medicine cabinet wouldn't be filled with Advil or Tylenol, but over-the-counter heroin or mercury.

    Keep scrolling to see 16 things that were the norm in the US in 1918.

    There was essentially only one type of car, the Model T, and barely anyone drove.

    Before the invention of the Model T (also known as a Tin Lizzie) in 1908, car ownership wasn't feasible for the everyday American. But, once the somewhat affordable, $850 car hit the streets, people all over the country began learning how to drive.

    It's hard to imagine almost no one learning how to drive, and only having one real option to choose from — in 2009, 87% of the driving-aged population had driver's licenses, and today there are hundreds of car brands and models to choose from.



    Horse and buggies were commonplace.

    It apparently took cars 50 years to fully unseat horses as the preferred mode of transportation.

    One of the reasons why is that horses were also useful in rural areas, where they doubled as both transportation and work hands — cars aren't exactly helpful in that way.

    Now, riding in a horse and buggy is mainly just a tourist activity.



    Letters and parcels were largely mailed by trains, trucks, or even motorcycles — the first airmail ever was sent in May 1918.

    Today, communication can be transmitted instantaneously by email or phone, but back in 1918 that luxury didn't exist.

    While the US Postal Service is still around today, it's continually losing money as less and less people are mailing things. One hundred years ago though, people were marveling at the idea of flying mail across the country.



    See the rest of the story at Business Insider

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