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The latest news on Features from Business Insider

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    Cincinnati Ohio

    • As millennials age and prepare to become homeowners, they tend to settle down in suburbs outside big cities.
    • recently complied a list of the hottest zip codes in 2018 — places where residents, especially millennials, are paid well and housing is affordable.
    • Kentwood, Michigan, took the top spot, followed by Colorado Springs, Colorado.

    As millennials age and prepare to become homeowners, they tend to settle down in suburbs outside big cities. recently complied a list of the hottest zip codes in 2018 — places where residents, especially millennials, are paid well and housing is affordable. analyzes and ranks 32,000 zip codes annually for its list of hottest zip codes. In 2018, the list shows high-earning millennials are driving a 10% real-estate turnover in emerging suburbs. The top spot goes to Kentwood, Michigan. 

    To determine the best markets, looks at homes that sell in an average of 20 days and have four times more views online than the average listing. Additionally, residents in these places are employed at higher rates and earning more money than the national median, and millennials in particular own a sizable share of the homes.

    Take a look at the 30 hottest zip codes for millennials.

    SEE ALSO: The 50 best suburbs in America, ranked

    DON'T MISS: 31 cities where you could be considered 'rich' if you earn less than $100,000

    30. Greendale, Wisconsin (53129)

    Median listing price: $229,246

    Millennial home ownership rate: 42%

    2018 millennial median household income: $79,245

    29. Spokane, Washington (99205)

    Median listing price: $172,943

    Millennial home ownership rate: 56.7%

    2018 millennial median household income: $51,616

    28. Valencia, California (91354)

    Median listing price: $581,807

    Millennial home ownership rate: 56.3%

    2018 millennial median household income: $115,694

    See the rest of the story at Business Insider

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    Seabourn Sojourn

    • The luxury cruise line Seabourn plans to take 450 or so guests on a round-the-world tour in 2020.
    • The Seabourn's flagship Sojourn liner is set to visit five continents in 146 days.
    • The ship is scheduled to depart from Miami in January 2020 and conclude its journey in San Francisco in May.

    Would you embark on a 146-day cruise around the world?

    That's exactly what Seabourn, a luxury cruise line, has in mind for its upcoming "Extraordinary Destinations" cruise. The line's flagship, the Seabourn Sojourn, is set to visit five continents and 62 ports in 146 days in 2020.

    According to Seabourn, this marks the line's first world cruise in six years. The Sojourn is scheduled to cast off from Miami in January 2020 and reach its final destination, San Francisco, in May.

    Here's a look inside the luxury cruise ship where passengers will reside during their voyage:

    SEE ALSO: 17 historical photos that show how the wealthy once traveled on ships just like the Titanic

    DON'T MISS: Carnival’s president spent a year traveling the world to meet some of her 43,000 employees — here are the 3 questions she asked them

    READ MORE: A day in the life of a Disneyland manager who's worked there for 23 years, walks 5 miles daily around the park, and has a 'long-distance' marriage with his wife

    The 650-foot Sojourn is registered in the Bahamas and can hold 458 passengers. Its fastest speed is 19 knots.

    Source: Seabourn

    In total, the ship will make stops in 26 countries.

    Source: Seabourn

    Some of the "Extraordinary Destinations" on the Sojourn's itinerary include Sydney, Australia ...

    Source: Seabourn

    See the rest of the story at Business Insider

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    • H&M has a concept store in Sweden that offers a curated selection of clothing and accessories.
    • This store is the antithesis of H&M's standard locations. It speaks to the direction in which brick-and-mortar shopping is headed, casting doubt on whether H&M in its original form is still viable in the current market.
    • We took a look around the store via Instagram. 

    H&M's vision for the store of the future is minimalist, curated, and pricey — everything that the original H&M is not.

    Its new concept store, which was unveiled in November 2017 in one of its existing locations in Sweden, is the antithesis of a typical H&M store. Shoppers come in to shop its limited collection of clothing, have a coffee in the store, or even take a yoga class. 

    While this is currently the only H&M store of its kind, it's telling of where the company believes retail is headed. It's a very different direction from what we see in the rest of its often chaotic and cluttered fleet of stores

    Once the king of fast fashion, H&M has stumbled in recent years and lost out to more nimble online players such as ASOS and Boohoo, which have cut down supply-chain times and swooped in to poach customers. As a result, sales growth at H&M has slowed. It has also battled with a mountain of unsold inventory and seen its stock price slump

    One of H&M's key areas of success has been its sister brands, specifically Cos, which is the second-largest brand in the company's portfolio and is focused on better-quality but higher-cost clothing

    The overlap between Cos and its concept store is far greater than at its own H&M brand, signifying that Cos may have become the model for H&M stores of the future. 

    Take a look around H&M's concept store below:

    SEE ALSO: H&M is taking notes from Kanye West's Yeezy brand

    H&M's concept store is located in the upmarket Karlaplan neighborhood in Stockholm, Sweden.

    Instagram Embed:
    Width: 540px


    The store is tailored to the local shopper and carries a larger selection of its more expensive "Premium Quality" and "Trend" collections. The premium collection of clothing includes more expensive items such as cashmere sweaters and real leather jackets.

    Instagram Embed:
    Width: 540px


    Source: Reuters

    Inside, it looks significantly more luxurious than a typical H&M store.

    Instagram Embed:
    Width: 540px


    See the rest of the story at Business Insider

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    Bud Light Beer

    • Millennials' indifference or outright disdain have sent a wide range of industries into a slump in recent years.  
    • From golf equipment makers to razor manufacturers, changing millennial tastes have hit some companies hard. 
    • Here's a list of industries that are struggling to keep up. 

    Millennials have been blamed for a lot. 

    But, in 2018, failing to win over millennials can mean the difference between growth and death for an industry. 

    Millennials are growing up, moving out of their parents' homes, and having kids of their own. But, their tastes still don't necessarily line up with those of the generations that came before in some key ways. 

    From napkins to motorcycles, here are the industries that have been hit hardest by millennials:

    SEE ALSO: Amazon just intensified the war against Walmart

    Casual-dining chains like Buffalo Wild Wings and TGI Fridays

    Executives may say that the death of the industry at the hand of millennials has been overstated.

    However, the fact remains that brands such as Buffalo Wild Wings, Ruby Tuesday, and Applebee's have faced sales slumps and dozens of restaurant closures as casual-dining chains have struggled to attract customers and increase sales. 

    "Millennial consumers are more attracted than their elders to cooking at home, ordering delivery from restaurants, and eating quickly, in fast-casual or quick-serve restaurants," Buffalo Wild Wings' then-CEO Sally Smith wrote in a letter to shareholders in 2017, prior to leaving the company.

    Millennial distaste for the category has been so great that Buffalo Wild Wings and TGI Fridays have actually said they don't even want to be called casual-dining chains any more. 

    "I don't see the competitive set of Buffalo Wild Wings being a traditional casual-dining place,"Inspire Brands CEO Paul Brown said soon after Inspire completed its acquisition of Buffalo Wild Wings."When it was growing gangbusters, it didn't position itself against its traditional cast of casual-dining players."

    Traditional weddings

    Couples are increasingly ditching banquet halls and hotel reception rooms in favor of unconventional venues such as barns and farms, according to a survey from wedding website The Knot.

    In general, weddings — from venues to dresses — are becoming more casual. Wedding planners told Business Insider that many clients are getting married later and funding their own weddings, meaning they don't have to stick to their parents' traditions. 

    "Ten years ago brides and grooms were relying on their parents to solely fund weddings,"said one planner."Now people are empowered by doing what they want to do and they want it to be a reflection of who they are." 


    Millennials simply aren't drinking as much beer as generations past. 

    Beer consumption among drinkers from 21 to 24 has fallen roughly 3% per year over the last 15 years. Beer penetration fell one percentage point in the US market from 2016 to 2017, while both wine and spirits were unmoved, according to Nielsen data. And, per-capita consumption of beer in the US dropped by nearly 10% from 2008 to 2017, according to Euromonitor data.

    The brands that are being hit the hardest include massively popular American brands such as Coors and Bud Light. 

    See the rest of the story at Business Insider

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    Gwyneth Paltrow

    • Actress and Goop founder Gwyneth Paltrow spoke with Net-a-Porter about her diet and exercise routine.

    • She said she exercised for two hours a day and usually skips breakfast and eats a low-carb lunch.

    • I decided to tackle her habits for a week.

    I tried to live like Gwyneth Paltrow for a week, and it didn't quite work out the way I'd planned.

    Paltrow famously leads an intense life. In terms of exercise, she used to do an hour of cardio and an hour of weights six days of the week. Her lifestyle brand Goop also hawks all sorts of hardcore detoxes and cleanses.

    But all that doesn't really reflect Paltrow's current reality. She recently told Net-a-Porter that she doesn't have the time or energy to tackle that grueling schedule anymore: "I'm getting old, my back hurts! It's depressing. Some days, the gym gives me this rush of energy and I feel amazing, but then my body's like 'f--- you.'"

    She also doesn't stick to any Goop cleanses for a long amount of time. She told Net-a-Porter she passes on breakfast and eats a low-carb lunch "so my energy levels don't peak and valley through the day." Then, for dinner, she typically decides to "loosen the reins."

    I decided to follow her diet as best I could, as well as take up her previous exercise routine. Here are the rules I was determined to follow for a week:

    • Skip breakfast.

    • Have a low-carb lunch.

    • Put in an hour of cardio exercise.

    • Go for an hour of weights-based exercise.

    • Eat a dinner along the lines of her typical evening meal: "A glass of wine, maybe a baguette dripping in cheese, some fries."

    I didn't prepare at all for this. I just jumped into it, sparking concerns among the people I know. "You're going to die," several coworkers told me when I described my plan. Family members predicted I would "seriously injure" myself and expressed concerns about my shambling running style.

    All of this just bolstered my determination to rise to the occasion.

    The experiment itself left me somewhat surprised. On the one hand, some of Paltrow's dietary habits were easier to tackle than I thought. On the other, I ended up pulling my shoulder.

    Here's a look at what happened when I tried to live like Gwyneth Paltrow for a week:

    WATCH: More of my experiment here

    Before this Gwyneth Paltrow challenge, bagels were my go-to morning meal. I'd often grab one — poppy seed with cream cheese or butter — before heading into the office.

    But, like some other celebrities, Paltrow skips breakfast altogether. So I had to kick the habit. Instead of stopping by the bagel shop, I'd just hop on the train and head to work.

    Truth be told, this wasn't particularly challenging for me. Back in college, I rarely ate breakfast. It may or may not be the most important meal of the day, but I've never had a problem skipping it.

    See the rest of the story at Business Insider

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    woman reading

    • There are two key ingredients to making the dream of early retirement a reality.
    • First, you need to define goals for both your career and your finances.
    • Then, create a specific plan for each that will help you get there. 
    • Financial management and investing professionals and career experts suggest their top books to help motivate and encourage people who want to retire early. 

    Many Americans think they'll never have enough money to retire. So being able to retire early can seem like a Holy Grail — an impossible quest none of us will ever come close to achieving.

    According to experts, though, it is possible not only to retire early but to fulfill personal goals, explore new interests — even reorient yourself into an entirely new career if you find that a life of leisure isn't all it was cracked up to be.

    There are two key ingredients to making the dream of early retirement a reality: You need to define goals for both your career and your finances, and have a specific plan for each that will help you get there. MONEY asked financial management and investing professionals as well as career experts what books they would suggest for people who desire an early retirement.

    SEE ALSO: My parents grew up poor, but I retired early at 28 with $2 million. Here are the 6 best pieces of advice I can give you about making money.

    'Your Money or Your Life: 9 Steps to Transforming Your Relationship With Money and Achieving Financial Independence' by Vicki Robin and Joe Dominguez

    Joe Heider, president of Cirrus Wealth Management, says that Your Money or Your Life offers "a very different approach to personal finance." Author Vicki Robin talked to MONEY earlier this year about her book's huge and unlikely millennial fan base, a group seeking FIRE — or, "financial independence, retire early."

    Despite Robin's lack of a traditional finance or investing background, this book is often recommended a must-read if you want to retire before you spot your first gray hair in the mirror. "[It] really is thought-provoking regarding your relationship with money and how to use it to achieve your best life," Heider says.

    'The Instant Millionaire: A Tale of Wisdom and Wealth' by Mark Fisher

    "This book about one's financial beliefs and mindset changed my life when I was 18 years old," says Jason Dorsey, president of The Center for Generational Kinetics, a research and consulting firm that focuses on Generations Y and Z.

    'Grant' by Robert Chernow

    John Challenger, CEO of executive outplacement firm Challenger, Gray & Christmas, sees a lot of hard-charging professionals in his line of work, and his observations lead him to offer this unexpected recommendation by the author of Alexander Hamilton, the book that led to Lin-Manuel Miranda's smash hit musical.

    While Grant is not about retiring early, per se, Challenger says this biography of the Civil War hero and president is a great way "to see how people were able to pivot and adapt to their situations to make significant advances in their careers." Thanks to Chernow's exhaustive research, readers get a deep dive into how Ulysses S. Grant reinvented himself time and again, Challenger says.

    See the rest of the story at Business Insider

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    brett kavanaugh

    • The Senate voted 50-48 on Saturday to confirm President Donald Trump's nominee, Brett Kavanaugh, to the Supreme Court.
    • Kavanaugh's nomination appeared to be in jeopardy for weeks, after multiple women came forward to publicly accuse him of sexual misconduct in high school and college. Kavanaugh has denied the allegations in statements and testimony.
    • But several key senators on Friday announced they intended to vote for him on Saturday regardless, paving the way for his confirmation.

    After several tumultuous weeks of uncertainty, Judge Brett Kavanaugh has been confirmed to the Supreme Court on Saturday.

    The Senate voted 50-48 on Saturday to confirm Kavanaugh, after several days of speculation over how key senators viewed as "swing votes" would decide. Republican Sen. Susan Collins of Maine and Democratic Sen. Joe Manchin of West Virginia were pivotal in confirming Kavanaugh, voting "yes," while Republican Sen. Lisa Murkowski opposed his confirmation.

    But the multiple sexual misconduct allegations lodged against Kavanaugh in recent weeks still hangs over Saturday's news, prompting furious backlash from the protesters who for weeks lobbied Collins, Manchin, and other senators to vote against Kavanaugh's confirmation.

    Christine Blasey Ford, 51, accused a teenaged Kavanaugh of forcing himself on her at a high school party in the early 1980s. Deborah Ramirez, a former Yale University classmate of Kavanaugh's, said Kavanaugh exposed himself to her without her consent at a dorm-room party during his freshman 1983-84 school year.

    Kavanaugh categorically denied Ford and Ramirez's accounts in separate statements before delivering a fiery testimony to the Senate Judiciary Committee. An additional FBI background check into the allegations concluded less than a week later with no corroboration for the accounts.

    Kavanaugh was born and bred in the Washington, DC area and has a long history in conservative circles. Top Democratic Sen. Dick Durbin once called Kavanaugh the "Forrest Gump of Republican politics," because he was present for so many key moments in modern political history.

    As the final vote for Kavanaugh's confirmation approaches, here's a look at how the born-and-bred conservative rose to become the court's most pivotal nomination in decades:

    SEE ALSO: Here are all the sexual misconduct allegations against Brett Kavanaugh

    DON'T MISS: Here's an evolving count of which senators are voting for Trump's Supreme Court pick

    Brett Kavanaugh was born Feb. 12, 1965, in Washington, DC.

    Source: NPR

    He attended Georgetown Preparatory School, an all-boys school in Rockville, Maryland. He was staff for the school newspaper, played on the school's varsity football team, and was captain of the basketball team.

    Source: Washingtonian

    Trump's first Supreme Court nominee, Associate Justice Neil Gorsuch, also attended Georgetown Prep and graduated two years before Kavanaugh.

    Sources: Washingtonian, Business Insider

    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.

    dr dennis gross

    Skin care, and treating acne in particular, is an ongoing process that takes time, consistency, and plenty of experimentation.

    Though everyone's skin is different, sometimes what works for one person might just actually work for you, too. When there are hundreds to tens of thousands of verified reviews that tout similar success stories, it's a good sign you should try the product. 

    The following cleansers, masks, spot treatments, and tools have earned their places at the top of best-selling lists because they're just plain effective. Some are admittedly pricey investments, while others only cost less than $10, so whatever your budget, you'll be able to find a top-rated, best-selling acne product for you. 

    These 11 acne products have the support of tons of satisfied users across the Internet: 

    A $9 clay mask that promises the 'world's most powerful facial'

    Aztec Secret Indian Healing Clay, $9.20, available at Amazon

    Amazon rating: 4.4 stars out of 18,300+ reviews

    More than 12,000 five-star Amazon reviews, plus the glowing approval of Insider Picks reporter Mara Leighton, confirm that this affordable clay mask is no ordinary mask. Keep it on for five to 10 minutes and it draws out impurities to make your skin clearer and smoother. 

    A plant-based vitamin C serum

    TruSkin Naturals Vitamin C Serum, $19.99, available at Amazon

    Amazon rating: 4.3 stars out of 9,800+ reviews

    Acne sufferers have noticed a marked reduction in the number of breakouts after consistent use of this gentle serum. The great part is that it's not only for acne — it also helps with fine lines, wrinkles, dark spots, and sun spots. 

    A gentle cream that harnesses the power of tea tree oil

    Keeva Tea Tree Oil, $24.00, available at Amazon

    Amazon rating: 4.4 stars out of 60+ reviews

    If you have to deal with deep, painful cystic acne, you'll appreciate this tea tree oil treatment designed for sensitive skin. The tea tree oil dries out the gunk in your pimples without drying out your actual skin. 

    See the rest of the story at Business Insider

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    conor mcgregor young

    Conor McGregor has come a long way from working a plumbing job in Ireland.

    On Saturday, November 6, McGregor will return to the Octagon for the first time since 2016 to take on Khabib Nurmagomedov.

    McGregor comes into the match sporting a 21-3 record and a reputation as one of the hardest-hitting, most entertaining, and overall best fighters.

    We took a look back at McGregor's professional bout history, starting in 2008 to now, and looked up what all of his old opponents are up to. Many have since left the fighting game, some have opened gyms, and some are still in the MMA game. And one, of course, is one of the most famous boxers ever who still lives life large.

    Records and fight information came from ESPN, Sherdog, and Tapology.

    Here's where all 24 of McGregor's opponents are today.

    McGregor made his MMA debut on March 8, 2008, beating Gary Morris by TKO.

    Morris posted an 8-10 record as a fighter, with his last fight coming in 2016. It's unclear what he does today.

    Two months later, McGregor took on Mo Taylor in his second fight. McGregor won by TKO, though it was close at one point, as Taylor got McGregor in a tough arm bar.

    See the rest of the story at Business Insider

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    Marcus thumb

    If you're not an avid follower of British retail banking, you might not have noticed that last week Goldman Sachs quietly launched its Marcus savings account in the UK.

    There was little fanfare beyond the press around the UK launch of Goldman's first foray into consumer banking, after 150 years of catering to the rich and powerful around the world. 

    Named for one of the bank's founders, Marcus Goldman, Marcus first launched in the US in 2016, and is part of an effort to diversify revenue sources as traditional sources of income lag. Marcus has to date written over $2 billion worth of loans in the US.

    There are early signs Marcus' UK launch has been a success. Goldman has not yet released any data about customer numbers but Des McDaid, who is leading the project, described the number of users signing up as "stunning."  

    "Numbers have exceeded even our most ambitious expectations," he said.

    Sure, having a bank account with Goldman Sachs sounds cool, but what is Marcus actually like to use?

    Business Insider decided to give the bank's basic savings account — the only Marcus product currently available in the UK — a trial run. Here's what we found.

    SEE ALSO: Most people probably don't know Goldman Sachs offers a savings account with excellent perks — and anyone can use it with just $1

    Besides the backing of one of the financial world's most recognisable names, what stands out most about Marcus' savings account is its interest rate — 1.5%!

    That's split into a 1.35% basic rate, and an introductory bonus rate of 0.15% for the first year of use. Goldman hasn't given any indication if it plans to increase or decrease this rate any time soon.

    Regardless of the bonus rate, 1.35% is among the best interest rates available for savers on the British high street.

    Marcus' launch coincided with me looking for a new savings account after I finally got sick of the tiny 0.2% interest rate I was getting on my account with a major UK high street bank.

    A 0.2% interest rate is so low that it's almost pointless for saying. $10,000 in an account with that interest would give you just $10,020 by the end of the year and, after 10 years, just $10,201.

    Compare that to a 1.5% rate, where after one year your savings would be worth $10,150, and $11,650 after 10 years.

    Signing up for Marcus is a pretty straightforward process.

    Marcus has no physical presence, so sign up must be done online. Given that the accounts are targeted at millennials, that's probably not going to be much of an issue for prospective customers.

    I set my account up on Marcus' launch morning in the UK, and the whole process took less than 15 minutes. I had some of my savings in the account in less than 30 minutes.

    See the rest of the story at Business Insider

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    thinking work man angry

    • Your coworker has started taking extra-long lunches, seems to be coming to work every day in a suit, and stopped joking around so much.
    • Those are all common signs that they might be about to quit their job. 
    • As career experts explained to Business Insider, one or several employees leaving the workplace can destabilize how your team functions. 


    Most bosses are caught off guard when facing a mass employee exodus, and the same can happen when just one valued employee resigns.

    "As the boss, it's important to watch for the symptoms of an impending departure so you can address the issues before it's too late," said Lynn Taylor, a national workplace expert and the author of "Tame Your Terrible Office Tyrant: How to Manage Childish Boss Behavior and Thrive in Your Job."

    And a co-worker's departure — or several co-workers' departures — can quickly destabilize operations.

    "Losing employees can create a substantial impact on everything from service delivery to scheduling,"Michael Kerr, an international business speaker and author of "The Humor Advantage," said. "It can impact the culture in a team in a negative way. And there's a substantial cost and time commitment involved in replacing and training new employees, so the more time a manager has to prepare for the changes, the better."

    Taylor and Kerr shared 17 signs that your coworkers might be about to quit. Remember, however, that these are possible signs and indicators, not concrete proof that an employee is about to leave the company.

    These are the signs you should watch out for so you can act before it's too late:

    SEE ALSO: 14 things people think are fine to say at work — but are actually racist, sexist, or offensive

    DON'T MISS: Science says people decide these 11 things within seconds of meeting you

    There's a change in their appearance

    If they start dressing unusually sharply, it may be because they are slipping out to job interviews during or after work, Kerr said.

    The opposite might also happen.

    "If someone is unhappy in their job, they may begin to dress down because they feel that no one is really paying attention anyway — or because they just don't really care anymore," Taylor said.

    They start taking more time off

    Folks who are liable to quit soon may begin calling in sick more often. They might use up their vacation days in bits and pieces, which could suggest that they are using the time off to search for other employment, Kerr said.

    "And using up their sick days and vacation time (and even getting a lot of dental work done suddenly) might be a red flag that they are getting ready to jump ship and want to make sure they max out any benefits they feel owed to them," he added.

    They show a drop off in any interest in work

    Have you noticed that some of your coworkers have stopped offering suggestions or ideas at meetings, they offer little input into new projects, or seem suddenly disinterested in any of the broader details related to work? 

    "This can be a sign they've lost their mojo and no longer really care what happens down the road because they know they won't be there in the future," Kerr said.

    See the rest of the story at Business Insider

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    MOH mural in Afghanistan

    • The US's war on terror launched on October 7, 2001 with the invasion of Afghanistan, a campaign known as Operation Enduring Freedom.
    • Throughout the 17-year war, 21 service members have received the nation's highest award for combat valor.
    • The Medal of Honor is reserved for service members who display extraordinary bravery or selflessness in conflict, often at the expense of their own lives. 

    On April 4, 2005, President George W. Bush spoke to a somber crowd gathered to honor Army Sergeant First Class Paul Smith, who had died two years earlier during the Battle of Baghdad. During the ceremony to follow, President Bush presented the Medal of Honor to Smith's parents, inducting their son into a venerated fraction of military service members and veterans.

    "Since World War II more than half of those who have been awarded this medal gave their lives in the action that earned it," President Bush said. "Sergeant Paul Smith belongs to this select group."

    Smith was the first service member awarded with the nation's highest military honor for his actions during the global war on terror. In the time since, 20 more have been awarded for conspicuous gallantry — an obvious display of bravery in battle that often shows disregard for one's own life.

    Here are their incredible stories.

    Navy SEAL Senior Chief Petty Officer Britt Slabinski

    On March 4, 2002, Navy SEAL Senior Chief Petty Officer Britt Slabinski’s helicopter was shot down over Takur Ghar mountain in Afghanistan. Through deep snow, Slabinski protected his teammates by fighting off insurgent forces, exposing himself to direct enemy fire throughout. At one point, Slabinski carried a wounded teammate to safety while calling in airstrikes for protection. Originally awarded the Navy Cross, in May 2018 President Donald Trump upgraded the award to the Medal of Honor.

    Air Force Technical Sergeant John Chapman

    Air Force Technical Sergeant John Chapman was posthumously awarded the Medal of Honor over 16 years following his actions during the Battle of Robert’s Ridge on March 4, 2002. After a rocket-launched grenade toppled his team’s helicopter, Chapman led the effort to rescue one of his teammates who was thrown from the aircraft. He fought for over an hour through enemy gunfire, ignoring numerous injuries in the attempt to save Navy SEAL Neil Roberts.

    Tech. Sgt. Chapman was originally awarded the Air Force Cross for his actions during the battle, becoming the first Air Combat Controller in history to earn that medal. The Battle of Robert’s Ridge resulted in numerous decorations, including 12 Silver Stars and three Air Force Crosses. President Donald Trump upgraded his award in August 2018, making Chapman the first member of the Air Force to earn the Medal of Honor since the Vietnam War.

    “He gave his all for his men”: Sergeant First Class Paul Smith

    On April 4, 2003, Sergeant First Class Paul Smith coordinated the defense of over 100 US soldiers who came under attack near Baghdad, Iraq. Surrounded by enemy forces, Smith fought them off with hand grenades, anti-tank weapons, and a truck-mounted machine gun, exposing himself to direct enemy fire. He suffered mortal wounds while saving the lives of wounded soldiers, who were rescued while he provided protective fire.

    Sgt. First Class Smith was awarded the first Medal of Honor of the Global War on Terror by then-President George W. Bush on April 4, 2005.

    See the rest of the story at Business Insider

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    It goes without saying that the US Army is continuously testing and adding new weapons to its arsenal.

    For example, the Army recently began to replace the M9 and M11 pistols with the M17 and M18, but has only delivered them to soldiers in the 101st Airborne Division at Fort Campbell in Kentucky. Therefore, the pistols are not yet standard issue. 

    While the Army continues to stay ahead of the game, it undoubtedly has a multitude of weapons for its soldiers. 

    And we compiled a list of all these standard issue weapons operable by individual soldiers below, meaning that we didn't include, for example, the Javelin anti-tank missile system because it takes more than one person to operate, nor did we include nonstandard issue weapons.

    Check them out:

    SEE ALSO: Here's how the AR-15 became the weapon of choice for America's mass shooters — and why it's so deadly

    SEE ALSO: Here are all the standard issue weapons given to US Marines

    M1911 pistol

    The M1911 is a .45 caliber sidearm that the Army has used since World War I, and has even begun phasing out

    M9 pistol

    The Army started replacing the M1911 with the 9mm M9 in the mid-1980s.

    M11 pistol

    The M11 is another 9mm pistol that replaced the M1911, and is itself being replaced by the M17 and M18 pistols. 

    See the rest of the story at Business Insider

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    Subaru Ascent 0386

    • The Subaru Ascent mid-size crossover SUV is all-new for 2019.
    • The Ascent is Subaru's first attempt at a mid-size SUV since the disappointing Tribeca was discontinued in 2014.
    • Subaru's new SUV will take on industry leaders like the Toyota Highlander and Ford Explorer. 
    • The base 2019 Subaru Ascent starts at $31,995, while our top-of-the-line Ascent Touring starts at $44,695. With fees, our car carried an as-test price of $45,670.
    • We were impressed by the Ascent's comfortable cabin, bountiful safety features, solid driving dynamics, and powerful turbocharged engine.
    • However, the Ascent's somewhat anonymous styling and lethargic transmission were a bit disappointing. 

    Subaru has been on a roll in the US. The long-time purveyor of Japanese all-wheel-drive motors has reported nearly seven years worth of consecutive month over month sales growth.

    Its Outback, Forester, and Crosstrek crossovers have become a popular alternative to the more mainstream offerings from Toyota, Ford, Honda, and Nissan. 

    But, success in the midsize SUV segment has eluded Subaru over the years. It tried in 2005 with the B9 Tribeca. Unfortunately, the Tribeca's odd styling, diminutive size, and tepid performance prevented it from gaining traction in the market. Even a 2008 facelift and the addition of a more powerful engine couldn't save the Tribeca that soldiered on for nearly a decade before Subaru pulled the plug on the SUV in 2014.

    For 2019, Subaru is back with an all-new midsize SUV called the Ascent. Unlike the Tribeca, the Ascent is larger with room for up to eight passengers and is packed with a bevy of state-of-the-art tech features. 

    The Ascent is slated to slot in above the Outback wagon in Subaru's lineup and will be its most expensive offering. 

    Recently, Business Insider had the chance to spend a week with a new Magnetite Gray Metallic Subaru Ascent Touring.

    The base 2019 Subaru Ascent starts at $31,995, while our top-of-the-line Ascent Touring starts at $44,695. With fees, our car carried an as-test price of $45,670.

    SEE ALSO: We drove a $40,000 Jeep Cherokee SUV to see if the American icon is still one of the best money can buy — here's the verdict

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    The Ascent is Subaru's first attempt to crack the mid-size SUV market since the failed...

    ...B9 Tribeca that sold from 2005 to 2014.

    At 196.8 inches long, the Ascent is nearly half a foot longer than the Tribeca.

    See the rest of the story at Business Insider

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    Google Smartwatch OS

    The new version of Google's smartwatch operating system, Wear OS, isn't exactly revolutionary. 

    It's not a major change, design-wise, to last year's version, and it doesn't really have any futuristic new features. Instead, Google made small changes that seem to have a singular focus: to make your life easier.

    The new Wear OS — which doesn't have a new name, or even a new number; it's simply the "next evolution"— began rolling out to smartwatches at the end of September. Google still relies on third-party watchmakers to utilize its software, and doesn't offer its own smartwatch. 

    To that end, I've been testing the new Wear OS on one of Google's partner watches, a Fossil Q Venture HR, over the last few weeks.

    Here's what it's like.  

    SEE ALSO: Here's how the new $400 Apple Watch Series 4 compares to last year's model, the Apple Watch Series 3

    If you've ever used Wear OS before, you'll notice a lot of similarities to previous versions of the operating system.

    While some key features have changed, a lot has stayed the same in the new Wear OS. 

    If you've ever used a Wear OS watch before — which used to be called Android Wear until earlier this year — you're used to a few basic features: a round watch face; apps arranged in a rounded, scrollable list view; and the ability to swipe up and down to get where you need to go.

    With the new OS, those things haven't changed, which is a good thing — you won't need to relearn every feature and gesture you've become accustomed to. 

    Another thing that hasn't changed: the inability to quick reply to text messages on the watch if you're an iPhone user. To be clear, this is not a failing on Google's part — Apple's iOS software is closed source, which means outside companies can't tap into it. It's unlikely this will ever change, which means it's unlikely iOS users will ever be able to reap the full benefits of a Wear OS smartwatch. 

    Now is probably a good time to mention that the battery life I experienced was just OK. The watch lasted a full day, but rarely more than that. 

    There are a few key features that have changed for the better, though — let's start with the new shortcuts menu.

    Now, when you swipe down from the top of the watch, you'll see a new and improved shortcut display. This is a prime example of Google making a minor change with the intention of making the watch quicker and easier to use. 

    The redesign brings a few features to this screen that were previously buried inside the app list. You can now access Google Pay from this screen, which lets you pay for things using only your watch. You'll also be able to tap a button on this screen to locate your phone if you lose it. 

    For me, these weren't life-altering changes, but they certainly did come in handy — anything that saves you a few taps and swipes is a win in my book. 

    Another minor-yet-effective change: notifications look better and are easier to read now.

    Google redesigned the notification set-up in the new Wear OS, and it's another subtle improvement that I really appreciate. Now, notifications are larger, and you can interact with them without leaving the notification stream. 

    Here's what I mean: when you swipe up from the bottom, you'll see all your notifications sectioned off by app. If you have an Android phone, you'll be able to send a quick reply to a text without leaving the notifications screen. And if you just want all of them gone, there's the option to "clear all" down at the bottom. 

    Again, this is an extremely minor change — and one that some users may not even notice — but it was made with usability in mind. 

    See the rest of the story at Business Insider

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    new york city homelessnessTake a walk through any borough of New York City and you’re likely to encounter people living on the street.

    Homelessness is on the rise in the city, up 39% from 2016. And even more are opting to live in the city’s streets, parks, and alleys than shelters — nearly 4,000 as of July, the most since 2005.

    There’s a vast diversity to the people living without secure housing, and the various situations they find themselves in.

    In central Brooklyn, a flashpoint of gentrification in the city, we met Moustafa, a 48-year-old mechanic who lost his shop and his home three years ago.

    Moustafa now lives nearby in a community of about a dozen homeless mechanics who live out of their vehicles and try to get work when they can. He invited us to spend the day and night with him to get a glimpse into what it’s really like to be homeless in New York.

    Here's what we saw:

    SEE ALSO: I covered murders during Chicago's deadliest year in decades – here's what I saw

    When we first met Moustafa, he was changing the the brakes on a car in the parking lot he lived in for a seemingly affluent customer. The area is full of industrial parking lots full of diesel trucks and small buses. He and his fellow homeless mechanics often do work for customers in them.




    Some other people were hanging around the lot, but weren't interested in talking.

    The lot had a number of small buses and vans parked in it that Moustafa said many of the homeless in the area lived in. Some people had built out patio areas in front of their vehicles with plants, flowers, and equipment for work.

    See the rest of the story at Business Insider

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    netflix ceo reed hastings

    • RBC Capital Markets provided a third-quarter update to its annual list of "Top 30 Global Ideas for 2018." We compiled the 14 US-based companies from the list.
    • The portfolio consists of global 30 stocks poised to grow in the year ahead.
    • The list is created on an annual basis by RBC Capital Markets’ Global Equity Research Department with quarterly updates. 

    RBC Capital Markets provided a third-quarter update to its annual list of "Top 30 Global Ideas for 2018." The portfolio consists of 30 stocks poised to grow in the year ahead.

    The list is created on an annual basis by RBC Capital Markets’ Global Equity Research Department with quarterly updates. "We publish quarterly updates of the Top 30 to highlight performance metrics YTD as well as any potential updates to our investment thesis or price targets," RBC Capital Markets added. 

    We rounded up the US-based companies that RBC says are primed to grow.

    SEE ALSO: Millennial investors are buying weed stocks at a faster clip than Amazon and Netflix

    Air Lease Corporation

    Ticker: AL

    Market Cap: $5.15 billion

    Rating: Top Pick

    Price Target: $93

    Dividend yield: 0.9%

    YTD Total Return: -4%

    "We anticipate continued portfolio expansion on aircraft deliveries to support continued strong revenue expansion and robust 20% + EPS growth ahead."


    Source: RBC Capital Markets


    Ticker: APTV

    Market Cap: $22.2 billion

    Rating: Outperform

    Price Target: $120

    Dividend yield: 1%

    YTD Total Return: -0.4%

    "Aptiv’s strong top-line growth should allow for further margin expansion." 


    Source: RBC Capital Markets

    Celgene Corporation

    Ticker: CELG

    Market Cap: $ 65.5 billion

    Rating: Outperform

    Price Target: $110

    Dividend yield: 0

    YTD Total Return: -14.3%

    RBC Capital Markets sees multiple areas of growth for Celgene's best-selling cancer drug Revlimid, including share gains, demographic expansion, and pricing power.


    Source: RBC Capital Markets


    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.

    cord clips

    In New York City, a crisp Alexander Hamilton isn't even enough to get you lunch at one of the many trendy salad chains on every block. However, it is enough to buy any of these useful kitchen, bath, skincare, and tech products that Insider Picks editors and writers use all the time. 

    While we've discovered and raved about many products this year, there are few more satisfying to recommend than the very affordable ones. Quality and utility don't have to be expensive, and our favorite $10-and-under products prove it. 

    For $10 or less, you can be efficient in the kitchen, keep your bathroom clean and hygienic, stay organized on the go, and more. 

    Your wallet will love these 20 products as much as ours did:

    Hydrating face toner from a cult-favorite brand

    Thayers Witch Hazel Cucumber Face Toner, $8.79, available at Amazon

    Thayers makes popular toners that won't dry out or irritate your face. They're alcohol-free and contain witch hazel extract to remove excess oil, reduce redness, and minimize the appearance of pores. I love the cucumber formulation because it smells great and hydrates my naturally dry skin. —Connie Chen, Insider Picks reporter

    A bottle cleaner that can fit through narrow openings

    ALINK 16” Long Bottle Brush Cleaner, $7.99, available at Amazon

    If you’ve ever wasted hot water or your time trying to fit your hand into a thermos like a ship into a bottle, then you will appreciate these cheap, long bottle brush cleaners. It’s a small daily inconvenience, but I’ve been surprised by how much I appreciate the ease, especially if I add post-workout to my water bottle after the gym and don’t want to run the dishwasher every time. Mara Leighton, Insider Picks reporter

    A pair of blue light blocking computer glasses

    ZENNI UV+ Blue Blockers, $9.95, available at ZENNI

    I’ve never worked — let alone been — in an office before, and about a week in, I began to notice a strain within and behind my eyes that was not only unfamiliar but downright unbearable. I don’t wear prescription glasses or contacts, but a less-than-$10 pair of blue light blocking lenses straightened me out in short order, and I don’t think I’ll ever look at another computer with less than four eyes again. Owen Burke, Insider Picks guides reporter

    See the rest of the story at Business Insider

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    joanns 0770

    • Hobby LobbyMichaels, and Joann Stores all sell arts-and-crafts products like canvases and paint, sketchbooks, scrap-booking supplies, and home decor. 
    • Hobby Lobby is a privately owned company, but earlier this year, it announced it would be continuing to grow, opening an additional 60 stores and hiring around 2,500 new employees in 2018.
    • In August, Michaels reported comparable sales decreased 0.4% in the second quarter. The company opened nine new stores, closed one store, and relocated seven stores in the quarter.
    • Joann is also a privately owned company. It was taken private by private-equity firm Leonard Green & Partners LP in a $1.6 billion deal in 2011.
    • We visited neighboring locations of Hobby Lobby and Michaels in Commack, New York, and a Joann in Scarsdale, New York, and found that one of the stores had a lot more to offer than the other two. 

    Hobby Lobby, Michaels, and Joann are three of the biggest arts-and-crafts retailers in the United States.

    Each store sells products like canvases and paint, sketchbooks, scrapbooking supplies, and home decor. All three stores also offer craft classes for kids and adults, as well as DIY project ideas and tips.

    Hobby Lobby, which is privately owned, currently operates 800 stores across 47 states. In 2017, it opened 63 new stores, including 12 relocated stores. Earlier this year, Hobby Lobby announced it would be continuing to grow, opening an additional 60 stores and hiring around 2,500 new employees in 2018.

    Michaels, which is a public company, currently has 1,251 of its namesake stores in 49 states. In August, Michaels reported comparable sales decreased 0.4% in the second quarter. The company opened nine new stores, closed one store, and relocated seven stores in the quarter.

    Joann is also a privately owned company. It was taken private in 2011 by private-equity firm Leonard Green & Partners LP in a $1.6 billion deal, and it currently operates more than 850 stores across the country. 

    We visited neighboring locations of Hobby Lobby and Michaels in Commack, New York, and a Joann in Scarsdale, New York, and found that one of the stores had a lot more to offer than the other two.

    Here's the verdict:

    SEE ALSO: We put some of the most popular vegan fast-food options to the test — and the winner was clear

    The first stop was Hobby Lobby.

    The front of the store was fully stocked with autumn decor.

    There was also Christmas decor, much of which was on sale.

    See the rest of the story at Business Insider

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    Carson Wentz

    Gambling is never easy.

    Not only because of the emotional and financial stress it can cause, but also because there is always more information to know. Any time you think you have a great read on a game, it's likely best to go the other way. If a bet is too good to be true, it probably is, and there is someone is Las Vegas eager to take your money if you don't realize it quick enough.

    Sadly, to my knowledge, it is impossible to predict the future. We analyze trends and make our best guesses, but one guarantee about football is that you can't know how a game is going to end until the final whistle blows.

    All of that to say — this is an extremely tough week to bet on football.

    But while other bettors might want to use this week to play it slow, that's not an option in our quest to win $1 million in the Westgate Las Vegas SuperContest.

    Through four weeks our picks are sitting at an admirable 11-9, but in order to take home the top prize, we need to keep grinding out winners week after week.

    This weekend, I'd be fine with going 3-2. It's dangerous out there.

    Below are our best bets for Week 5 of the NFL season.

    SuperContest Pick 1: Philadelphia Eagles (-3) over Minnesota Vikings

    This is a tough spot for the Eagles, as Minnesota is riding two straight losses and rather desperate for a win, but Philadelphia tends to rise to the occasion at home.

    While the team had to scramble to beat the Colts during their last home stand, the 16 points they ceded to Indianapolis was the most they had given up in Philadelphia since Week 9 of last season.

    Further, the Eagles offense, despite not being able to seal the deal against Tennessee, feels like its finding its groove. Expect tight ends Zach Ertz and Dallas Goedert to both be heavily involved in the passing game, and with Alshon Jeffrey back in the fold, hopefully the Philadelphia attack can get back to looking like Super Bowl champions.

    SuperContest Pick 2: Oakland Raiders (+4.5) over Los Angeles Chargers

    The Oakland Raiders win over the Browns last weekend might not have been wholly convincing, but it was enough to give bettors faith that Derek Carr and company can at least get points on the board.

    Meanwhile, the Chargers had to pull off a late comeback to beat the C.J. Beathard-led 49ers in a game that was much more grueling than it should have been.

    But the main reason we're backing the Raiders in this spot is their home-field advantage. While this game is technically being played in Los Angeles, the Chargers have a habit of letting opposing fans invade their territory, as has happened time and time again over the past two seasons.

    With Oakland just a drive away, and with Los Angeles already full of citizens of Raider Nation, the Black Hole should be in full force on Sunday. The Chargers apparently know what's coming, even prepping for crowd noise to be a factor despite playing what is supposed to be a home game.

    The Raiders should at least be able to keep this one close.

    SuperContest Pick 3: Buffalo Bills (+3.5) over Tennessee Titans

    Betting on the Buffalo Bills can feel a lot like jumping through a flaming table: you know it's going to hurt, but given the circumstances (an especially animated Bills tailgate, in this case) it feels like the right thing to do.

    First and foremost, you always want to lean in the direction of the home underdog. While the Bills are considered by many to be the worst team in football so far this season, their defense is not bad, and if Josh Allen can reel in his cannon of an arm to make just one or two accurate throws, Buffalo can get on the board.

    Further, the Titans are coming off of wins over the Eagles and Jaguars — two of the final four teams playing postseason football last year. If there was ever a spot for a let-down game, it's here.

    And even if Tennessee does prevail in the game, there's still hope for our bet. The Titans are 3-1 on the season, but all three of their wins have come by exactly three points — if the trend continues, the half-point hook will be enough to swing our bet to victory.

    It's a plan so crazy it just might work.

    See the rest of the story at Business Insider

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