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The latest news on Features from Business Insider

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    iphone x notch

    It looks like the smartphone notch is here to stay, at least for the foreseeable future.

    Almost every premium smartphone now comes with a notch design, which was first introduced with the Essential Phone in 2017 — yep, the iPhone X was actually the second phone to feature a notch.

    After the iPhone X was released, it seemed like a free-for-all where nearly every smartphone maker adopted the notch. Samsung is a notable holdout against the notched design, and companies like Vivo have innovated to go notch-less by creating phones with popout cameras instead of putting them on the display. 

    Either way, not every smartphone notch is created equally.

    Check out the best and worst notch designs we've seen on smartphones so far:

    SEE ALSO: We tested the claims that the iPhone XS selfie camera makes faces look too smooth — check out the results for yourself

    5. The rumored Pixel 3 XL

    Without a doubt, the rumored Pixel 3 XL has the worst notch. If the leaks are accurate, it's going to be massive, and will surely by noticeable. Rather than embracing the notch, Google is seemingly shouting it at you. 

    As with other Android phones, you'll likely be able to change the display around the notch to a black color so it looks like the traditional Android notifications bar. It could potentially give the illusion that this monstrous notch isn't there, but it would also replicate the appearance of a rather large top bezel. At least it'll give some symmetry to match the burly chin bezel at the bottom.

    4. The iPhone X, XS, XS Max, and XR

    The notch on the iPhone X, XS, XS Max, and XR isn't awful, but it's incredibly wide compared to notches on most Android phones. 

    Perhaps the iPhone notch scores poorly because Apple doesn't seem to be embracing it. Instead, the company tried to hide it with its new half-planet wallpapers, as if it were ashamed of it:

    iPhone XS / XS Max / XR

    If Apple won't own the notch, why should anyone else?

    Tied for third: Most Android phones with notches, including the Huawei P20 Pro, OnePlus 6, and LG G7

    Down the middle of the list is almost every Android phone with a notch — they're unassuming and not too big. Plus, they're not as deep nor as wide as the iPhone notch.

    The Huawei P20 Pro, OnePlus 6, and LG G7 are perfect examples of notched Android phones.

    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.

    travelpro spinner

    Everyone has the packing essentials they never travel without, but the list can look a little different for business travelers, who tend to take shorter, more frequent trips and must juggle packed schedules once they touch down at their destination. 

    Business travelers need to stay organized, connected, comfortable, and well-rested as they shuffle between time zones. Anything that helps achieve this balance makes for a happier — and more effective — businessperson, so before you send your most trusted employee off to the international office, make sure she has these products and services packed. 

    There are the obvious options, like a reliable, expandable carry-on suitcase and a portable battery pack, but also consider smart and innovative additions like work shoes you can actually walk a whole day in and a notebook that saves all your meeting scribbles to the cloud. 

    Here are 12 things that should be on every business traveler's packing list. 

    DON'T MISS: Amex Platinum vs Chase Sapphire Reserve: Which card offers superior airport lounge access, according to a frequent flyer

    SEE ALSO: 26 packing essentials we never travel without — from a $150 mobile WiFi hotspot to a $6 pack of face wipes

    Wireless earbuds

    Jabra Elite 65t Wireless Earbuds, $159.99, available at Amazon

    While over-ear wireless headphones offer better sound quality, earbuds are better suited for travel when you have limited bag space. The battery life of these earbuds is five hours (15 hours with the charging case) and once you're off the plane, you can make clear phone calls because they're optimized with four-microphone technology. They're also Alexa-, Siri-, and Google Assistant-compatible. For an affordable, under-$100 option, check out these SoundCore wireless earbuds from Anker.

    A foldable Bluetooth keyboard

    Jelly Comb Pocket Size Portable Bluetooth Keyboard, $29.59, available at Amazon

    If you're not packing your laptop but want to get some work done, this foldable keyboard that can connect to your tablet or phone will let you do so without taking up as much space. It's light and sturdy, but a drawback to its portability is that the key positions are squeezed together, so typing might not be as seamless of a process as usual. Still, the convenience might be worth the compromise


    A battery pack

    Jackery Bolt 6000 mAh Power Bank with Built-in Lightning Cable, $29.99, available at Amazon

    It's always a good idea to have a battery pack on hand when you travel, and this doesn't change when you travel for business. While there are many battery packs on the market to choose from, our pick is Jackery's because its built-in cable charges your phone twice as fast as the original charger, and it's neither so small that it can only charge your device once nor so bulky that it weighs you down. 


    See the rest of the story at Business Insider

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    brunei water village

    • Brunei is a tiny country in Southeast Asia that's home to one of the most interesting communities in the world — Kampung Ayer, or "Water Village."
    • Nearly half of the capital city's population lives in Kampung Ayer, where thousands of houses stand on stilts, as do schools, mosques, restaurants, and police stations.
    • The village stands in stark contrast to the rest of Brunei's capital city, which has glimmering architecture and pristine streets.

    The tiny nation of Brunei is incredibly wealthy. Its oil-based economy has propelled the Southeast Asian country to a higher GDP per capita than the United States, Japan, and Switzerland.

    That wealth is on full display in Brunei's capital, Bandar Seri Begawan, where opulent buildings and majestic mosques line the pristine streets.

    But that extravagance isn't reality for many of the residents of Bandar Seri Begawan. Nearly half of the city's entire population lives just outside the capital's downtown in a "floating village" on the Brunei River, where thousands of houses stand on tall stilts and residents drive water taxis to get around.

    Besides housing 13,000 people, Kampung Ayer, or "water village," also has mosques, schools, restaurants, police stations, and a fire department — all on stilts.

    Here's what it looks inside Kampung Ayer, one of the most interesting villages in the world.

    SEE ALSO: Inside the surreal capital city of Brunei, a tiny nation of unimaginable wealth where oil money pays for everything and half the population lives in a floating 'water village'

    Brunei is a tiny country on the island of Borneo in Southeast Asia.

    Source: CIA World Factbook

    Thanks to its oil and gas reserves, it's one of the richest countries in the world, with a GDP of $77,000 per capita.

    Source: International Monetary Fund

    Its wealth is on full display in its capital city, Bandar Seri Begawan, where glittering mosques and extravagant architecture appear around every corner.

    Source: Business Insider

    See the rest of the story at Business Insider

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    Virgin America Airbus A320

    • The Airbus A320 is the second best selling airliner of all time behind the Boeing 737.
    • Through the end of August, Airbus has sold 14,281 aircraft belonging to the A320-family compared to 14,956 orders for the Boeing 737. 
    • Over the years, Airbus has expanded the A320 into a family of jets including the stretched A321 as well as the smaller A319 and A318.
    • The A320 family is also known for its innovative use of fly-by-wire control systems as well as a pioneering of cockpit commonality. 

    The Airbus A320 is one of the most popular airliners in the world. 

    It's also Europe's answer to Boeing's stalwart 737, still the best selling airliner of all time. However, the A320 is quickly catching up. 

    Through the end of August, Boeing has sold a whopping 14,956 737s. The A320 and its derivatives are close behind with 14,281 orders. However, it should be noted that Boeing began selling the 737 nearly two decades before the A320's launch in 1984.

    Since then, the European jetliner has actually outpaced the venerable Boeing in sales. From 1984 to the present, the A320 has outsold the 737 by 438 planes. 

    The A320's sales prowess is not the aircraft's only claim to fame. At the time of its debut, the narrow-body Airbus was also one of the most complex and innovative airliners ever attempted.

    In an interview with Business Insider, Teal Group aviation industry analyst Richard Aboulafia called the A320 and its many technological innovations "Airbus's greatest contribution to commercial aviation."

    The A320 helped push forward the adoption of fly-by-wire technology, side-stick controls, and cockpit commonality in commercial airliners. 

    Since its first flight in 1987, the A320 family has become a short and medium-haul workhorse for airlines around the world. With the introduction of the next generation A320neo and A321neo, the aircraft can now add trans-Atlantic long-haul to its long repertoire of capabilities. 

    The list prices for the A320 family of jets range from $77.4 million for the A318ceo to $129.5 million for the A321neo. The A320 lists for $101 million while the A320neo has a $110.6 million entry price. 

    Here's a look back at how the Airbus A320 came to become to the Boeing 737's greatest foe. 

    SEE ALSO: The 10 airports in America people hate flying into the most

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    Airbus Industrie was created on December 18, 1970, as a consortium between the French and German governments to build, develop, and sell the A300B medium range widebody airliner.

    By the late 1970s, the consortium's efforts have paid off with the A300B gaining traction in Europe, Asia, and North America.

    Following the launch of the A310— a longer-range, lower capacity jetliner based on the A300B — it was time to figure out the company's second all-new product.

    See the rest of the story at Business Insider

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    598_19_lesssaturation 18

    • New York-based photographer Frédéric Lagrange has visited Mongolia 13 times over the last 17 years, traversing the country in every season to capture stunning photographs of the people and the landscape.
    • In Mongolia, Lagrange has experienced extreme weather, had his life saved thanks to the Mongolian army, and seen the country evolve and develop tremendously.
    • Lagrange has collected his nearly two decades worth of work into a limited-edition book to be published in November. He launched a Kickstarter this week as a pre-sale of the book.

    New York-based photographer Frédéric Lagrange first heard about Mongolia as a child.

    His grandfather would tell him stories about World War II, when served in the French army and was a prisoner of war in Germany. In 1944, a detachment of Mongolian soldiers under Soviet command freed Lagrange's grandfather, who described the terror the German soldiers showed when they saw the soldiers. Ever since, Lagrange has been fascinated with the country and was resolved to visit it.

    He got his first chance in August 2001, taking an entire month off his job as a photographer's assistant to visit the remote country. He was immediately taken with the landscape and the people, but, most of all, he told Business Insider, he was taken with "the incredible, overwhelming stillness of the place."

    In the 17 years since, he has visited Mongolia 13 times, traversing the entirety of the country in winter, summer, fall, and spring.

    "There is a stillness and a quietness that I found quite captivating at the time,"  Lagrange said. "It's a very meditative state. You feel the presence and the moments way stronger than back in the US or anywhere else."

    A limited-edition book of Lagrange's 17-year exploration of Mongolia will be published by Italian publisher Damiani in November. Lagrange launched a Kickstarter this week as a pre-sale of the book, which you can check out here »

    SEE ALSO: Afghanistan has an unbelievably beautiful hidden region untouched by war — here's what it looks like

    SEE ALSO: One of the 7 wonders of the world is a 10,000-year-old city hidden in the desert — and in real life, it's more incredible than you can imagine

    Mongolia is more than twice the size of Texas, but only has a population of 2.76 million people compared to Texas's 26 million. Thirty percent of Mongolia's population is nomadic or semi-nomadic.

    Lagrange first visited Mongolia in the summer of 2001.

    His first impression, he told Business Insider, was of the "incredible, overwhelming stillness of the place."

    See the rest of the story at Business Insider

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    Bill and Melinda Gates

    • Bill Gates, the founder of Microsoft, married Melinda French in 1994.
    • They met at Microsoft when Melinda was brought on a product manager. She initially turned down Bill's request for a date at a company picnic.
    • Today, they run the Bill & Melinda Gates Foundation, which has an endowment of $40.3 billion.

    Melinda French was less than impressed when her boss asked her out on a date.

    It was 1987, and the recent Duke graduate had just joined Microsoft as a product manager. CEO Bill Gates approached her at a company picnic and asked if she'd be interested in grabbing dinner in two weeks. She responded, "That's not spontaneous enough for me,"Fortune reported in 2015.

    Fast-forward three decades, and Bill and Melinda Gates are married with three kids, worth $98.1 billion, and run a namesake philanthropic enterprise boasting a $50.7 billion endowment.

    Here's a look at their marriage.

    SEE ALSO: A look inside the marriage of world's richest couple, Jeff and MacKenzie Bezos — who met at work, were engaged in 3 months, and own more land than almost anyone else in America

    DON'T MISS: Inside the daily routine of billionaire Bill Gates, who loves cheeseburgers, tours missile silos, and washes the dishes every night

    At the picnic, Melinda gave Bill her number and told him to call her closer to the day he had in mind.

    Source: Business Insider

    Instead, he called her up later that night with a wry question: "Is this spontaneous enough for you?" Turns out, it was.

    Source: Business Insider

    Melinda and Bill dated for seven years before they wed. Melinda told Fortune her mom didn't think that seeing the CEO was a good idea in the beginning.

    Source: Business Insider, Fortune

    See the rest of the story at Business Insider

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    subway new york q train

    • The letter Q is almost always followed by a U in English, but that isn't always the case.
    • Scrabble players tend to struggle with words using a Q, but experienced players know they don't need a U to follow it.
    • There are a handful of words that English borrowed from other languages that flout that rule, like burqa, qat, and qabbalah.

    Some things make perfect pairs.

    Macaroni and cheese. Rocky and Bullwinkle. Hall and Oates.

    The same can be said for two letters of the English alphabet: Q and U. Anyone who's taken a spelling class probably remembers their teacher telling them that in English, the Q must always be followed by a U.

    Well, it turns out that's not exactly true. In reality, there are dozens of words in English that have a Q that isn't followed by a U. And no one knows this better than Scrabble players.

    Many of those words are borrowed from other languages. Arabic and Hebrew are two especially common sources, as in English the Q is often used to represent the more guttural "K" sound that appears in those languages. We can thank those languages for giving us words like "burqa," a full-body garment worn by some Muslim women, and "sheqel," the currency of Israel.

    But Q-without-U words come all from all over the globe, from Mandarin to Inuit to Zulu. A couple of them are even "homegrown" English words with a modern twist. They're all in the English dictionary, and therefore allowed in Scrabble.

    Here's a sample of the English words in which the Q stands alone.

    SEE ALSO: 'OK' was just added to the Scrabble dictionary, and experts are saying it could change how Scrabble is played

    DON'T MISS: 8 common words you probably didn't know came from TV shows


    Language of origin: Arabic

    A burqa is a long, loose garment that covers the face and body and is worn by some Muslim women.


    Language of origin: Zulu

    Mbaqanga is a style of music from South Africa that was popular in the 1960s. It combines elements of traditional music with jazz and big band.


    Language of origin: Arabic

    A niqab is a veil worn by some Muslim women that covers the hair and the face except for the eyes.

    See the rest of the story at Business Insider

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    • Lemonade is a California-based fast-casual chain.
    • It's part of the "fast slow food" movement, which aims to serve up healthy fare quickly and relatively cheaply.
    • During a recent trip to Los Angeles, I decided to try out Lemonade for myself.

    Lemonade is trying to sweeten California's fast-casual dining scene.

    The menu? "Seasonal Southern California comfort food." What that seems to mean is a lot of lean proteins, leafy salads, and entreés like poke made from seasonal produce. Oh, and fresh-pressed lemonade, of course.

    The first store opened in 2008, and it has expanded slowly across Southern California and into Northern California as well. The expansion has been fueled by investments like a $22 million infusion from Butterfly in 2016 and an undisclosed amount from KKR in 2014. It now has 28 locations up and down the state. 

    Lemonade's food is served cafeteria-style, à la carte and complete with trays. Only some of the cooking is done on-site. Some items are finished in-store after being supplied by a central kitchen.

    It's been a hit with Californians, so on a recent trip to Los Angeles, I decided I needed to try it myself. Here's what it was like: 

    SEE ALSO: Nike has unveiled a new way to try on sneakers at its stores without talking to anyone. Here's how it works.

    I visited one of Lemonade's newest stores, located on Abbot-Kinney in the heart of Venice. It's one of Lemonade's "next-generation" stores, and it opened in 2017.

    Source: QSR

    As I first step foot in the store, I am immediately overwhelmed. It's lunchtime on a Saturday, and the restaurant is filled with hungry Angelenos. The decor feels very California chic.

    A quick look at the menu makes me no less anxious. I have no idea what to order, and there isn't anyone I can ask before i get up to the counter.

    See the rest of the story at Business Insider

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    hong kong mansion


    A mansion for sale in Hong Kong's exclusive and wealthy Peak neighborhood could break the record for the most expensive home sold in the territory — and possibly in all of Asia.

    The $446 million home, which was built in 1991, went on the market in April 2018 and was available for lease before that, Joyce Lee, a representative for Christie's International Real Estate, told Business Insider. 

    Hong Kong, which is now home to more super-rich individuals than any other city in the world, is seeing property prices continuing to climb, particularly in the luxury market. 

    Christie's International Real Estate named Hong Kong the prime luxury market in the world for the second year in a row in its 2017 "Luxury Index" that evaluated growth and demand of premium real estate.

    Hong Kong claimed the world's first and second most expensive home sales of 2017, according to the South China Morning Post, breaking several property records in the process, as Business Insider's Rosie Perper reported. An estate on The Peak was sold for $360 million to billionaire technology manufacturer Yeung Kin-man in January 2017, the South China Morning Post reported.

    In November 2017, the most expensive apartments in Asia sold for a combined $149 million. And the city-state continues to break records in the luxury housing market in 2018.

    In March 2018, a buyer paid $178.4 million, or $19,400 per square foot, for a mansion in Hong Kong's super-exclusive and wealthy Peak neighborhood, making it the most expensive residential sale in all of Asia, according to Bloomberg.

    But this $446 million home could break even those staggering records. Here's a look inside the mansion and the exclusive, super-wealthy neighborhood where it sits. 

    SEE ALSO: Inside the Hong Kong billionaire enclave name-dropped in 'Crazy Rich Asians,' where Alibaba founder Jack Ma may have bought a $191 million mansion

    DON'T MISS: Hong Kong now has more mega-millionaires than New York City

    The four-bedroom mansion sits on 7,725 square feet on Middle Gap Road, one of the most prestigious gated communities in Hong Kong, according to the real estate listing. The home is surrounded by dense woods.

    Source: Landscope Christie's International Real Estate

    The colonial-style home was built in 1991 and includes an outdoor swimming pool.

    Source: Landscope Christie's International Real Estate

    Views of the hilly, greenery-filled neighborhood surround the pool area.

    Source: Landscope Christie's International Real Estate

    See the rest of the story at Business Insider

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    Paul Brown Arby's CEO

    • Arby's parent company, Inspire Brands, announced plans to acquire burger chain Sonic in a $2.3 billion deal on Tuesday. 
    • With the deal, Inspire Brands' portfolio — which also includes Buffalo Wild Wings and Rusty Taco — will comprise more than 8,000 locations with combined system sales exceeding $12 billion. 
    • Here's how the new restaurant empire is shaping up. 

    Arby's parent company Inspire Brands is creating a fast-food empire. 

    On Tuesday, Inspire Brands announced it is acquiring burger chain Sonic for $2.3 billion, including debt. The deal follows Inspire Brands — which is majority owned by private-equity firm Roark Capital — closing on a deal to acquire Buffalo Wild Wings and Rusty Taco earlier this year. 

    "We like brands that are great brands, that have gone through a period of great success, and may be in a temporary period with a little bit of a challenge, where there's an opportunity to come in and get it back on a path,"Inspire CEO Paul Brown told Business Insider at the time.

    Restaurant conglomerates like Inspire Brands, Restaurant Brands International (parent company of Tim Hortons, Burger King, and Popeyes), Yum Brands (parent of Pizza Hut, Taco Bell, and KFC), and JAB Holdings (owner of a range of brands including Krispy Kreme, Panera, and Pret A Manger) are on the rise. 

    With the deal, Inspire Brands' portfolio will comprise more than 8,000 locations with combined system sales exceeding $12 billion, according to figures provided by the company.

    Here's how Arby's CEO has begun his quest to create a new restaurant empire.  

    SEE ALSO: Arby's parent company is acquiring Sonic. Here's how the CEO says he picks which brands to buy.


    For Inspire Brands, Arby's is the chain that started it all. Brown led Arby's in an impressive turnaround effort after joining as CEO in 2013, taking risks designed to make Arby's stand out and grab headlines.

    "We had to one, come up with a way of talking about ourselves in a voice that actually stood out, but we also had to be more creative about all the channels that you could use to get the message out,"Brown told Business Insider in 2017.

    Buffalo Wild Wings

    In November 2017, Arby's announced plans to acquire Buffalo Wild Wings for about $2.9 billion. In February, the company announced it had closed the deal and was forming Inspire Brands with Brown at the helm. 

    "I think there's an opportunity to step way back and say it's not and let it define its own category — a little bit of what we did with Arby's," Brown told Business Insider in February. 

    Rusty Taco

    Rusty Taco, a chain with just 28 locations, was part of the Buffalo Wild Wings deal. But, it's unlikely that Inspire will purchase another similarly small brand.

    "Buying really small brands and trying to really grow them is not part of the stated strategy," Brown said in February.

    "We like R Taco, which came along with Buffalo Wild Wings, and that has some opportunity to do some fun and interesting things with it," Brown continued. "We like to incubate a brand or two along the way, but that's not our stated strategy."

    See the rest of the story at Business Insider

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    outside sign Macy's Carpenter's Shelter Landmark Mall

    • The Macy's store at the Landmark Mall in Alexandria, Virginia — and the mall itself — closed in January 2017. 
    • A year later, a homeless shelter in search of a temporary home constructed a temporary shelter within the old Macy's store. The Carpenter's Shelter moved into the old Macy's store in June. 
    • To hear the full story, listen to Business Insider's podcast, "Household Name." 

    ALEXANDRIA, Virginia — What happens when a homeless shelter becomes homeless? 

    If you're the Carpenter's Shelter in Alexandria, Virginia, you move into an old Macy's store in the closed Landmark Mall. 

    Both the Macy's and the mall in which it operated closed in January 2017. According to an executive at the Howard Hughes Corporation, the real estate company that owns the mall, the closing was a long time coming. 

    "When you show up on probably a decade before you close, it really is kind of the marketplace telling you you should get a different use there," said Mark Bulmash, senior vice president for development at Howard Hughes, in a recent interview with Business Insider's new podcast, "Household Name."

    At the same time, the Carpenter's Shelter had a problem: it had been located in an old Department of Motor Vehicles office for about 20 years, but it was getting old, and they needed to do a lot of renovations. The shelter staff decided to tear down the building and rebuild a totally new shelter in its place. In the meantime, they moved into the former Macy's store in the defunct Landmark Mall.

    There are very few signs that Macy's used to exist in the space.

    "There are people who still come in and think this is a Macy's," said the Carpenter's Shelter's director of programming, Blair Copeland. 

    "Occasionally, there'll be somebody that says, 'I want to return something,' and I'm like, 'How could you?' Stop. First of all, the mall has been closed for like 2 years. And secondly, it doesn't look like Macy's anymore."

    From the outside, a sign for the Carpenter's Shelter covers smudged letters showing where the Macy's sign used to be displayed. Inside, the only real display of the old Macy's is the carpet and tile that line the floors. 

    See inside the shelter in the photos below:

    TO HEAR THE FULL STORY: Subscribe to "Household Podcast" for free here

    HOW TO: Subscribe to a podcast

    The old Macy's sign has been scrubbed away and partially covered with a new sign announcing the presence of the Carpenter's Shelter.

    The Carpenter's Shelter's executive director, Shannon Steene, said his team considered several possible temporary locations for the shelter, including an old warehouse, a church, and an old school. 

    "And then someone said, 'You know, the ideal place would be the Landmark Mall,'" Steene said. "And then there was sort of a pause in the conversation and many people chuckled. But the seed had been planted."

    Howard Hughes has long-term plans to renovate the Landmark Mall into a mixed-use project that would include retail, restaurants, offices, and residences. But those plans were still a few years away, and Bulmash said he was intrigued by the idea. 

    "It's an out-of-the-box idea, right?" Bulmash said. "I needed to convince our organization that we could do it, right? That we had the time between doing the planning and getting the entitlements that we could put them in and not delay our starting construction on our project."

    Howard Hughes and the city of Alexandria signed off on an 18-month lease, and the Carpenter's Shelter began construction last spring. The shelter moved into the old Macy's in June.

    Steene started working at the shelter in 2015, shortly before conversations about renovating the shelter began.

    After making a deal with Howard Hughes to move into the old Macy's store at the Landmark Mall, Steene had to go to a public meeting with the city of Alexandria to make sure they would sign off on it. 

    He had been concerned that the proposal would draw the ire of the community. After sitting through a long, contentious discussion about a schools issue, it was finally the Carpenter's Shelter's turn at 11 p.m. 

    "And so imagine much to my surprise, that there was only one person who had registered to speak and testify at that hearing," Steene said. "And so she stood up and she said, 'This is exactly the project we want to see in our community.'"

    Steene was pleasantly surprised. 

    "It puts a lump in your throat," Steene said. "When you think about what I had expected and what so many of my peers that run homeless services have encountered when they've gone before public hearing, and that's not the standard reaction from a community."

    A large common area at the entrance to the Carpenter's Shelter provides space for residents to eat their meals and hang out during the day.

    The first thing visitors see upon entering the Carpenter's Shelter is a large common area. This is where residents gather to eat their meals, use the computer, or hang out during the day. If there is a community meeting with the residents, it will happen in this room. 

    And though the visitor has just entered an old Macy's store, there is barely a sign of its historic past. 

    "It doesn't look exactly like the inside of a Macy's other than when you look down at the flooring," Steene said. "You see that there's some tile walkways that in some ways head to doors and other places they just head to blanks walls. And so you do get a sense that there has been some sort of former life."

    The room leads to a smaller television/library lounge, a pantry, two sets of offices, the David's Place day shelter, and a hallway that leads to the bedrooms. 

    See the rest of the story at Business Insider

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    iphone 7 plus

    It looks like the four-figure price tag is here to stay when it comes to new iPhones from Apple. 

    Indeed, the $1,000 iPhone XS and $1,100 iPhone XS Max may very well be out of reach for some who want the iPhone experience, and even for those who don't want to spend that much on principle.

    The $750 iPhone XR may seem like the iPhone to get if you don't want to be a part of the $1,000 club, but there are actually a few things about the iPhone 7 that some might prefer over the XR.

    Thankfully, Apple is keeping around its older iPhone 7 and iPhone 7 Plus just in case you want the Apple experience for under $600. Surprisingly, you're not sacrificing that much by going with Apple's iPhone 7, which is now two generations old. The iPhone 7 is still a fantastic smartphone that stands strong in the face of its younger, shinier siblings, and it's still a great option for anyone who's clung onto an iPhone 4, iPhone 5, and even iPhone 6.

    Check out eight great reasons why you should check out the iPhone 7 instead of Apple's latest iPhones:

    SEE ALSO: 6 reasons you should buy the iPhone 8 over the new iPhone XS

    1. It's not as expensive as the new iPhones.

    First and foremost, the iPhone 7 now costs as low as $450, and it's $570 for the iPhone 7 Plus.

    For the iPhone 7, that's $300 less to start than the iPhone XR, $550 less than the iPhone XS, and $650 less than the iPhone XS Max.

    For the iPhone 7 Plus, that's $180 less than the iPhone XR, $430 less than the iPhone XS, and $530 less than the iPhone XS Max.

    You could even get the iPhone 7 refurbished from Apple's Refurbished Mac Store for less. The word "refurbished" might not sound good, but my experience with a refurbished 2016 MacBook Pro directly from Apple has been nothing but positive. And you get a one-year warranty with refurbished devices, too. 

    (To note, I did experience an issue with my MacBook's keyboard, but it's a common issue among 2016 and 2017 MacBook Pros that could easily happen on brand new MacBooks, too. Apple has recognized and is offering to repair for free.) 

    2. You still get the same great iOS experience.

    Despite paying significantly less for the iPhone 7, you still get to run the latest version of iOS, iOS 12. It includes better performance for older iPhones, as well as updates to the notifications system and other great tweaks that makes the iPhone operating system better and easier to use. 

    3. The iPhone 7 is lighter and thinner than the new iPhones.

    The iPhone 7 and iPhone 7 Plus are lighter than all the new iPhones, although the iPhone 7 Plus is heavier than the $1,000 iPhone XS.

    The iPhone 7 and iPhone 7 Plus are also slightly thinner than all the new iPhones. 

    See the rest of the story at Business Insider

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    The only way to get Apple's MacOS operating system is to buy one of Apple's own Macs. That's pretty much the way it's always been. Or at least, that's the only official way. 

    The computer pictured above is running MacOS, but it's not a Mac. It's a so-called Hackintosh — a computer built by a hobbyist, made to run MacOS on non-Apple hardware.  

    You read correctly: You don't need to buy a Mac to get the Apple experience (or official Apple apps), assuming you're willing to do the work of building one. 

    In a way, the reasons to buy, build, or turn your existing computer into a Hackintosh represent some of the less desirable aspects of buying a Mac from Apple — namely, that they're expensive, hard to customize, and often not exactly what you need. 

    Check out some of the reasons why people build their own Hackintosh computers instead of buying a Mac from Apple, including some perspectives from tech YouTubers:

    SEE ALSO: Everything that's wrong with the computers and laptops that Apple sells

    With a Hackintosh, you can get the Apple experience for much less money than if you shelled out for a pricey Mac.

    YouTuber Snazzy Labs made a $350 Hackintosh that "manages to hang with Apple's current lineup" as of January 2018, he says. 

    Building your own Hackintosh also lets you run apps that only run on Macs, like Final Cut Pro X, without paying the premium that Apple's computers command at retail.

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    Something to note off the bat: Legally and ethically, building a Hackintosh is kind of a grey area.

    To build a Hackintosh, you need a copy of Apple's MacOS to install on it, or else what's the point? The problem is that, generally speaking, the only Apple-sanctioned way to get a copy of MacOS is to have it already installed on a Mac. 

    Most reputable Hackintosh guides advise you to take a Mac you already own, and copy the operating system off of that. But it's fair to say that this isn't what Apple had in mind for the MacOS software — and it could violate the terms of service that you agree to when you first got your Mac. 

    So far, Apple hasn't taken action one way or another on the Hackintosh community, and has let it be. Just be advised that this may not always be the case. 

    We've reached out to Apple for comment on its stance towards Hackintoshes, and will update if we hear back. 


    YouTuber Marques Brownlee built a Hackintosh back in 2013 because Apple didn't have a computer that fit his needs at the time.

    Truth be told, Apple doesn't make a computer that I'd be perfectly satisfied with.

    Take my 2016 MacBook Pro, for example. I bought it because I wanted an Apple laptop with a 15-inch display. But the only models in that screen size come with a dedicated graphics chip — a chip with more power than I really need in my everyday life. Still, if I wanted the bigger screen size, I'd have to pay the price for that premium hardware. 

    The same is true of the rest of Apple's Mac lineup, too. 

    Apple might not always release computers with the specs that you need. Or, if a Mac does have the specs you want, it might also come with parts that you don't need. Apple's newest iMac Pro, for example, is essentially built into a 5K display —  a super-high-end display that contributes heavily to the $5,000 price tag. If you want the machine, but not the display, then you don't really have other options...apart from building your own Hackintosh. 

    It's part of the reason why the popular tech YouTuber Marques Brownlee built a Hackintosh a while back:

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    colleagues coworkers

    Job-hunting site Comparably, which allows employees to anonymously review and rate their employers, has sifted through its 5 million+ employee reviews to create its annual list of the best paying small companies.

    Comparably currently tracks about 10,000 companies, it says.

    In order to qualify for this list, Comparably limited the list to companies that had fewer than 500 employees and had at least 15 ratings from employees between September 12, 2017 and September 12, 2018. Please note that the pay data listed below came from information that employees reported to Comparably themselves. And it centered mostly on salaried roles in engineering, product, marketing, design, sales and finance, as opposed to hourly-wage type roles.

    In order to rank these companies, Comparably considered both pay and at how satisfied employees said they were with their pay.

    The result is this list of the best paying small companies, according to employees.

    SEE ALSO: The CEO of $4 billion McAfee explains how to know when to cut your losses on a project and change course

    No 25: AgileCraft, $105,884

    Headquarters: Austin, TX

    Median salary: $105,884

    AgileCraft offers project management software.

    An AgileCraft employee says, “The best part of our compensation is the total package of salary, bonus, stock and benefits.”

    No 24: Wibbitz, $105,755

    Headquarters: New York, New York

    Median salary: $105,755

    Wibbitz is a video creation and editing platform.

    A Wibbitz employee says, “Besides my above market salary, Wibbitz provides great benefits including healthcare, commuter, 401K and stock options.”

    No 23: Billtrust, $108,706

    Headquarters: Fountain Valley, California 

    Median salary: $108,706

    Billtrust offers cloud-based accounting and financial services software.

    A Billtrust employee says, “I think it's really the total package. Stock options, great healthcare, a quality 401K match, and good pay. There isn't one thing that makes me say, ‘Yea, it is a good compensation package, buuuttttt....' Billtrust takes care of its employees.”

    See the rest of the story at Business Insider

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    Michael Bloomberg Georgina

    • There aren't any royals with fortunes to envy in America, but there are many heirs and heiresses set to inherit millions from American brands.
    • These fortunes have been built across a variety of industries, from media to fashion; some are relatively new, while others could be considered "old money."
    • From Travis Knight of Nike to Ann Walton Kroenke of Walmart, take a look at some of America's most notable heirs and heiresses.

    America may not have royalty, but it does have plenty of heirs and heiresses set to inherit the thrones — or at least the riches — of the country's biggest brands. 

    Some of the wealthiest families in America have built their fortunes by creating megabrands in various industries, from media to fashion. As their wealth grows, it continues to be passed on to future generations, although some fortunes are newer than others. Alexa Dell is set to inherit part of her father, CEO of Dell Technologies Michael Dell's, fortune, a result of a company that's only been around for roughly 30 years.

    Other heirs and heiresses are in line for wealth that dates way back up the family tree, like Lydia Hearst, who shares an inheritance with more than 60 family members from media mogul William Randolph Hearst.

    Below, meet 16 heirs and heiresses to some of America's most notable brands — some names you may recognize, and others not so much.

    SEE ALSO: The rich keep getting richer — here are the billionaires who made the most billions in a single year

    DON'T MISS: Here's how much money 19 rich and famous power couples are worth

    Lydia Hearst

    Heir to: Hearst

    Granddaughter of media mogul William Randolph Hearst, Lydia Hearst, 33, shares the Hearst fortune among 67 family members. The heiress is an actress, model, writer, and socialite and has an estimated net worth of $100 million.

    Georgina Bloomberg

    Heir to: Bloomberg

    Georgina Bloomberg is an heiress to the $52 billion Bloomberg fortune. Her father, Michael Bloomberg, is the former New York City mayor and media mogul. The 35-year-old is an elite equestrian, novelist, and animal rights activist and has pursued numerous careers.

    Travis Knight

    Heir to: Nike

    An accomplished filmmaker and animator, Travis Knight, 45, is the son of Nike founder Phil Knight. According to Portland Business Journal, he was put in charge of a trust that controls 38 million shares of Nike stock. There's no word on how much he stands to inherit, but Nike is the most valuable fashion brand in America, valued at $28 billion.

    See the rest of the story at Business Insider

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    woman reading

    Books have so much power. Their insights can make you rich, revamp your health, offer new perspectives, or transform your relationships.

    These avid readers and advisors in The Oracles share the books that are incredible additions to any library.

    SEE ALSO: 17 business and leadership books that have helped MBA students succeed in the business world

    SEE ALSO: The 20 best books of 2018 so far, according to Amazon

    SEE ALSO: 10 books Amazon's editors say are the best reads this September

    1. 'About Face' by Colonel David Hackworth and Julie Sherman

     Jocko Willink, retired US Navy SEAL officer, #1 NYT bestselling author, co-founder of Echelon Front, partner in Origin USA, and host of the top-rated Jocko Podcast:

    This book is about Hackworth's journey fighting with the US Army in the Korean and Vietnam wars. While it's not a traditional leadership book, I garnered many insights from his experiences of leading men in combat.

    2. 'Rocket Fuel' by Gino Wickman and Marc C. Winters

    Ines Ruiz, former Cambridge University professor with two masters degrees (e-learning and education); founder of Pocket Learning Spanish and Diary of an Entrepreneur:

    This book made me aware of how I operate. One of the biggest concepts for me was the distinction between Visionaries and Integrators. The Visionary is a big-picture thinker, and the Integrator is the one who makes the vision a reality.

    "Rocket Fuel" showed me that I was a Visionary trying to be an Integrator, which is why I felt disconnected from my business at the time. I wasn't operating from my zone of genius.

    If entrepreneurs read more about developing our strengths instead of trying to do everything, perhaps we wouldn't burn out so much. 

    3. 'The Greatest Salesman in the World' by Og Mandino

    Sharran Srivatsaaangel investor and CEO of Kingston Lane, a push-button technology execution platform for real estate; follow Sharran on Instagram:

    This book is central to all my financial success. I learned that there is a secret recipe for success: becoming a slave to your high-performance habits.

    Whenever I'm struggling or out of balance, I identify which habit has lost steam. Whether it's my morning routine, exercise, or something else, I reinstall it quickly.

    The most important learning for me was about perseverance. The book shares a powerful quote: "I must fail often to succeed only once."

    Sowing seeds for the future and putting in the "daily reps" are the keys to an unfair advantage. 

    See the rest of the story at Business Insider

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    woman work thinking

    • The 15 minutes before your job interview are crucial. 
    • You need to stay calm, get focused, and be confident.
    • Remember to show up no earlier than 10 minutes before the interview, and to check a mirror before you walk into the office.

    The 15 minutes before a job interview 
    can be harrowing. Job seekers are never quite sure what to do with that time — but experts suggest that you look in a mirror, take deep breaths, and do whatever else it takes to get focused and stay calm.

    "Those 15 minutes are your opportunity to get yourself into the right frame of mind, and set your energy and focus on who you'll be meeting with, what you want them to remember about you, and what you want to ask them," says Deborah Shane, a career author, speaker, and media and marketing consultant.

    Here are 11 things you should do in the 15 minutes before a job interview:

    SEE ALSO: 13 things successful people do in the first 3 months at a new job

    Stay calm

    When you become stressed, your body releases stress hormones such as cortisol and epinephrine. Depending on the level of your stress, these can inhibit your ability to think clearly, said David Parnell, a legal consultant, communication coach, and author.

    "Ensuring that you remain calm, collected, and cool in the minutes leading up to the interview is necessary to avoid this hormonal elixir, and keep your mind clear," Parnell said. 

    Career coach Anita Attridge added that staying calm before and during an interview allows you to listen better and to stay focused on how to best respond to questions.

    "In addition, you are better able to think how you can best present your accomplishments in alignment with what is important to the interviewer — and being calm also demonstrates your ability to deal with stressful situations," Attridge said.

    Arrive early, but don’t go inside

    Few things can shake you more than running late to an interview, so always arrive early — but no more than 10 minutes early.

    If you're earlier than that, wait in your car or a nearby café, as being too early can place unnecessary pressure on your interviewer and start the meeting off on the wrong foot, Parnell said.

    Rita Friedman, a Philadelphia-based career coach, agrees. "It can come across as an imposition, as if you are expecting the interviewer to drop whatever he or she is doing to attend to you."

    Be friendly to all receptionists and security guards

    When you do walk into the office's waiting room (which should be about 10 minutes before your scheduled interview time), remember to be nice to the receptionist, security guards, or whoever greets you.

    "It's very likely that he or she will be reporting back to the hiring manager about how you behaved," Friedman said.

    Hopefully, you were planning on being friendly anyways.

    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.


    • AHA and BHA are acids that exfoliate the skin.
    • AHA is best for dry skin and surface-level skin concerns like acne scars. BHAs are best for oily and acne-prone skin types.
    • You can use both by buying products with both ingredients, or by alternating products.
    • Below are 10 AHA/BHA products worth checking out, and where you can find them.

    Exfoliation is an essential part of a good skincare routine. It helps to slough off dead skin and facilitate new cell turnover, keep pores clean (and skin clear), and promote blood flow and collagen production. It also makes your skin look younger, healthier, and helps produce the much-desired glow.

    One type of exfoliation that’s gaining traction is acids — specifically AHA and BHA — thanks in part to mainstream brands such as Drunk Elephant, Dr. Dennis Gross, and Peter Thomas Roth. Drunk Elephant has cult-favorites like the T.L.C. Sukari Babyfacial and T.L.C Framboos Glycolic Night Serum, Dr. Dennis Gross has Alpha Beta Daily Peels, and Peter Thomas Roth has AHA/BHA Clearing Gel.  These acids can combat acne, erase dark spots, and blur fine lines.

    So what are AHAs and BHAs, what do they do, and who should be using them?

    Alpha Hydroxy Acid (AHA) represents acids derived from a natural substance like sugar cane, milk, almonds, or grapes. They work by breaking down the glue holding your skin cells together, urging along the skin’s natural shedding process. BHAs penetrate deeper into the skin, but the effects of AHAs are primarily felt on the skin’s surface. If you have surface-level skin concerns like red marks from past acne, this constant sloughing off of dead, dull skin cells is helpful for hyperpigmentation. 

    AHA is also good for dry skin. It’s made up of molecules that love water, and it helps improve the skin’s moisture content.

    Beta Hydroxy Acid (BHA) is best for acne-prone skin and those with deeper skin concerns since BHA penetrates further into the skin. While AHAs love water, BHAs love oil. They can bypass the oil that clogs pores and dissolve the mix of sebum and dead skin that leads to acne, as well as stabilize the lining of the pore (which contributes to acne). BHAs clear up blackheads, whiteheads, and have anti-inflammatory and antibacterial properties. This umbrella term includes the popular anti-acne ingredient of Salicylic Acid. BHAs also exfoliate the top layer but are best bought for their deep penetrative qualities.

    Screen Shot 2018 09 11 at 12.06.47 PM

    Can’t decide between addressing hyperpigmentation and dry skin or your acne? Use both AHAs and BHAs. It’s the acidic one-two punch of treating dark spots, sun damage, and fine lines as well as acne and deep, clogged pores. Shop products that contain both ingredients, or alternate between your AHA product and your BHA product nightly or weekly.

    It’s important to use sunscreen after exfoliating since your skin will be photosensitive, and to pay attention to how your skin is reacting. It’s always a good idea to run products by your dermatologist, and that's especially true if you have sensitive skin and want to double check which strength of each acid is best for you.

    Below are 11 products that use AHAs, BHAs, or a combination of the two and where you can find them:

    AHA: AHA 7 Whitehead Power Liquid

    COSRX AHA 7 Whitehead Power Liquid, available on Amazon and Ulta, $14 - $19

    COSRX, the skincare brand best-known for the Pimple Master Patch (though we suggest trying Mighty Patch), also has an AHA liquid formulated to resurface the skin and renew the complexion while reducing those surface-level whiteheads we're all too familiar with. 

    This serum contains 7% glycolic acid and fruit water to gently exfoliate the skin, prevent breakouts, and brighten skin tone. The company recommends using COSRX chemical exfoliators with cotton pads for the best results. 


    AHA: Botanical Body Soap

    Mario Badescu A.H.A. Botanical Body Soap, available on Amazon and Ulta, $14

    Mario Badescu, arguably best known for its Drying Lotion (another go-to acne weapon for us), also makes an AHA-filled body soap. 

    Papaya and grapefruit extracts break down dead skin cells to be replaced with newly smooth and soft skin. Ginseng extract rejuvenates, and oat protein soothes sensitive or irritated areas. 

    If you're looking for a way to regularly combat body acne and thoroughly clean the buildup on your skin, this is a great option to add to your shower lineup. 

    BHA: Medicated Acne Pads

    Stri-Dex Medicated Pads, Maximum Strength, 90-Count Containers, available on Walmart and Amazon, $9 (from third party sellers)

    An old-school favorite and drugstore hero, Stri-Dex Medicated Pads are an inexpensive way to get your dose of BHA in the form of Salicylic Acid. 

    These work best for targeting existing pimples and blackheads, and they're strong; Stri-Dex pads contain the highest level of Salicylic Acid you can get without a prescription (2%). Formulas are entirely alcohol-free, however, so the cleansing process forgoes the characteristic burn of alcohol.

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    munich houses

    • At least six cities around the world are at risk of having housing bubbles, according to UBS' 2018 Global Real Estate Bubble Index. 
    • There are affordability crises in many more cities because housing costs have risen faster than incomes. 
    • Policymakers will need to step in, but the appropriate response could be challenging to nail down. 

    Housing costs are rising in almost every major city in the world.

    At least six are at risk of being in a bubble, defined as a persistent rise in prices to the point where properties are well above their fundamental value.   

    "Most households can no longer afford to buy property in the top financial centers without a substantial inheritance," UBS said in its 2018 Global Real Estate Bubble Index.

    "Rents continue to consume a significant share of income."

    Policymakers will be required to intervene in affordability crises, by granting subsidies to first-time homebuyers, for example.

    But other policies could be more detrimental, UBS said. If governments impose heavy property taxes in expensive cities, they could chase away foreign investors. They could also cause prices to plummet too quickly, hurting existing homeowners who want to sell.   

    Bubbles are often hard to identify until they burst, but UBS has handpicked six cities that are at "bubble risk." Only two of the major cities they examined — Boston and Singapore — were considered "fairly valued."   

    Here's the list of cities on bubble watch in ascending order:

    SEE ALSO: A fund manager who's crushing nearly all of her peers breaks down 3 under-the-radar stocks driving her strong performance


    "The UBS Global Real Estate Bubble Index score for London declined for the second straight year but remains in the bubble-risk zone. Overall, inflation-adjusted prices are more than 10% higher than in 2007, when the last bubble burst, while rents have stayed roughly stable and real incomes have gone down by 10%.

    ... The relative weakness of the city’s housing market can be attributed to a few causes. First, housing remains unaffordable for London’s citizens ... Second, the prime segment is hurt by higher stamp duties for luxury and buy-to-let properties ... Third, inflation continues to erode the purchasing power of local residents."


    "In the last four quarters prices climbed by 12% in inflation-adjusted terms. They are now 60% higher than in 2013.

    Their ongoing explosive growth was fueled by the strongest income increase since 2013 among all cities and attractive financing conditions. The city’s housing price rise has more than doubled nationwide averages in the last five years. Given the highly strained affordability, a tightening of lending conditions might end the boom rather abruptly."


    "Imbalances increased again as house prices rose in the past four quarters at a double-digit rate in real terms. Real prices have doubled in 12 years. The imbalances are mitigated somewhat by income growth and above-average rental growth of 5–7% in nominal terms over the last four quarters.

    As the government tries to contain speculation, the tax burden is rising for high-end property buyers and foreign purchasers. The already strained affordability will become an acute issue if mortgage rates rise further, one that may halt the local market boom."

    See the rest of the story at Business Insider

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    One of the hardest parts of dieting — or just making a healthier lifestyle change in general — is saying goodbye to all of your favorite comfort foods. Who wants to give up pasta, mashed potatoes, and all the yummy stuff you've been in love with since your mom made it for you as a kid?

    But eating healthy doesn't have to mean that you can never eat comfort food again. By using some of these hacks to swap out the most calorie, carb, and sugar-dense ingredients in your favorite recipes, you can still chow down and feel like you've made a healthier choice. 

    Use pumpkin in all of your baking instead of flour, oil, and eggs

    This hack sounds unreal, because how could it possibly work? But somehow, it does — and you don't even necessarily have to love pumpkin to use this trick. As Very Well Fit points out, a box of chocolate cake mix plus canned pumpkin will yield yummy brownies that don't even have a pumpkin taste. Love pumpkin? Try combining spice cake mix with canned pumpkin instead for a healthy treat that tastes just like a pumpkin latte.

    Two words: cauliflower rice

    There's a reason why cauliflower rice has been so popular lately — it totally works as a substitute for all your favorite carb-y dishes. You can even make cauliflower fried rice. And thanks to what a moment this veggie is having, it's easy to find riced cauliflower in almost any grocery store if you don't feel like doing it yourself.

    And mash your cauliflower instead of potatoes

    Unfortunately, mashed potatoes and a healthy diet don't always mix, especially if you're the kind of person who loves to sit down with a giant bowl of buttery spuds as the main course. Instead, try mashing cauliflower for very similar results. You can even include a few real potatoes if you want a lighter dish but aren't quite ready to make a huge change.

    See the rest of the story at Business Insider

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