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The latest news on Features from Business Insider

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    apple white macbook

    Apple's MacOS might seem simple — but it's an absolute powerhouse if you know how to use it.

    Some of the easiest ways to get the most of out of Apple's desktop operating system are hidden in plain sight: Keyboard shortcuts.

    Flick between applications and tabs. Take screenshots. Fine-tune settings. Knowing the right keyboard shortcuts will save a second here and there —  and over the course of a week, or a month, or a year, it adds up dramatically. 

    If you're feeling adventurous, Apple lists all of its Mac keyboard shortcuts here

    Here are 13 of the most useful keyboard shortcuts that will save you time on the little things so you can focus on the big things:

    (Max Slater-Robins contributed to an earlier version of this article.) 

     

    1) ⌘ + Space — Bring up 'Spotlight' search

    Apple improved its search with the release of OS X. The search bar, accessed by typing ⌘ + Spacebar, can do sums, search the web, and convert currency. 

     



    2) ⌘ + F — Find things in documents

    Finding words in documents is tedious, but typing ⌘ + F speeds up the process. The command works in Pages, Safari, Chrome, Word, and just about everywhere else.



    3) ⌘ + A — Select everything

    Selecting everything, especially in a big document, can take ages. Hitting ⌘ + A selects everything instantly.



    See the rest of the story at Business Insider

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    LEGO Harry Potter Hogwarts Great Hall

    • Amazon, Target, Walmart, and other retailers have released their predictions for the hottest toys of the year.
    • Adobe has now released its own predictions for the season's top toys. 
    • To compile the list, the tech firm used data from chatter on social media and a survey of 1,000 US consumers, combined with machine learning and artificial intelligence. 

    The holiday season is here — and so is toy-buying season.

    Every year, there's a smattering of toys both new and old that kids clamor for more than others. And, every year, everyone from huge retailers to grandparents try to predict what kids will want, either loading up on stock or buying early before things start to sell out. 

    While retailers like Walmart, Amazon, and Target put out lists of what they think the most popular toys will be every year, it's unclear what alchemy goes into compiling them. The lists are often filled with exclusives for each retailer, and since they're positioned as guides for parents and toy buyers, they can become a bit of a self-fulfilling prophesy.

    A third-party list, like the one put out by Adobe on Thursday, doesn't have those same inherent issues. To compile the list, Adobe used data from chatter on social media and a survey of 1,000 US consumers, combined with machine learning and artificial intelligence put together by Adobe Analytics.

    Toys are an especially important category to watch for retailers this year. It's the first year that shoppers are without a dedicated toy store following the liquidation of Toys R Us. Big-box stores like Walmart and Target are moving in to fill the void by increasing floor space for toys and beefing up both the types of toys they carry and the number they keep in stock. Even Best Buy is planning on selling more toys this year than ever before.

    Dolls under $20 are predicted to be especially popular about this year, as well as anything that has a big brand behind it, like Fortnite, "Harry Potter," or "Jurassic World." Retro gaming is in as well, with the PlayStation Classic and Arcade 1Up cabinet appearing on Adobe's list. Finally, animatronic dolls seem to get more popular every year. 

    Here's Adobe's list:

    SEE ALSO: Toys R Us appears to have quietly relaunched as 'Geoffrey's Toy Box' with pop-ups in grocery stores

    Furreal Pets



    Jurassic World Jeep



    LEGO Harry Potter Hogwarts Great Hall Building Kit



    See the rest of the story at Business Insider

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    Harvard Business School grads

    • If you want to work in tech, an MBA can be a very helpful boost to your career.
    • Higher- and business-education specialist QS Quacquarelli Symonds recently released its 2019 Global MBA Ranking, evaluating 251 of the best business schools in the world.
    • QS provided Business Insider with estimates of how many graduates from the top programs went into the tech industry.
    Getting an MBA can be a huge boost to a career in tech.

    Higher- and business-education specialists QS Quacquarelli Symonds released its 2019 Global MBA Ranking, evaluating 251 of the best business schools in the world based on data provided by the schools and surveys of employers and academics.

    To get an idea of which MBA programs were best-suited to those going into the tech industry, QS provided Business Insider with estimates of how many graduates in the class of 2017 from the top-60 business schools in the QS ranking went into tech, based on MBACSEA reporting standards.

    Here are the 25 MBA programs among the top 60 in the world with the most graduates going into the tech industry.

    SEE ALSO: The 25 best MBA programs for people who want to work on Wall Street

    DON'T MISS: 35 business schools that get the most bang for your buck, ranked

    24 (tie). University of Virginia (Darden)

    Location: Charlottesville, VA

    Estimated number of 2017 graduates going into tech: 46

    Estimated percent of 2017 graduates going into tech: 14%

    Read more about Darden at TopMBA »



    24 (tie). Boston University (Questrom)

    Location: Boston, MA

    Estimated number of 2017 graduates going into tech: 46

    Estimated percent of 2017 graduates going into tech: 28%

    Read more about Questrom at TopMBA »



    23. ESADE

    Location: Barcelona, Spain

    Estimated number of 2017 graduates going into tech: 52

    Estimated percent of 2017 graduates going into tech: 28%

    Read more about ESADE at TopMBA »



    See the rest of the story at Business Insider

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    iphone xr black

    iOS 12 is here.

    Apple announced the newest version of its mobile operating system at its Worldwide Developers Conference in June, and launched the update to the public in September, just days before shipping its new iPhone XS and XS Max.

    But if you just updated to iOS 12 — or maybe you bought an iPhone XS, or the new iPhone XR — and you're not sure what's new, where do you start?

    Here are the 11 most useful features to check out in iOS 12:

    SEE ALSO: The 7 best features coming to your Mac computer later this year

    DON'T MISS: I've used the iPhone 8 and the iPhone X — and the winner is clear

    1. One of the best iOS 12 features is something you won't even notice. The software works wonders on older devices.

    Apps launch up to 40% faster on the iPhone 6S, for example, and you can snap photos up to 70% faster. The system is generally smarter about when to use power, too.



    2. A new iOS 12 app called Measure lets you, yes, measure distance and length using augmented reality.

    Just point your phone's camera at what you want to measure, then tap and drag a line with your finger to create a measurement. The Measure app can automatically detect the size of photos and other rectangular images.



    3. Apple's Photos app got a makeover in iOS 12.

    The new "For You" tab lets you see photos you took that day in past years, and shows you previews of how Apple-made special effects could be applied to your photos. There are also new search suggestions for people, places, and even categories of photos. And iOS 12 can even detect which friends are in your photos and offer to send those photos to them.



    See the rest of the story at Business Insider

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    Jeff Bezos

    October was a rough month for billionaires in the tech sector, who saw their net worth plummet as stocks took a hammering. 

    According to Bloomberg data, the CEOs and founders of the most popular tech companies "FAANG+BAT" lost $61 billion in October.

    The tech-heavy Nasdaq index plunged 9.2%, posting its worst month since the financial crisis.

    And among the hardest hit were the "FAANG+BAT" stocks —  Facebook  (-7.7%)Apple (-3.1%), Amazon (-20.2%) Netflix (-19.3%), Google (-9.8%), Baidu (-16.9%), Alibaba (-13.6%) and Tencent (-14.1% in Hong Kong). 

    The list below provides details of the estimated net worth of some of tech's richest CEOs and founders:

    Reed Hastings — CEO and cofounder of Netflix

    Rank on Bloomberg Billionaire's Index: 463

    Net worth on October 31: $3.9 billion (-19% from $4.8 billion at the end of September)

    Holdings in Netflix: $1.7 billion

    Source: Bloomberg



    Robin Li — CEO and cofounder of Baidu

    Rank on Bloomberg Billionaire's Index: 82

    Net worth on October 31: $13.6 billion (-16% from $16.1 billion at the end of September)

    Holdings in Baidu: $13.4 billion

    Source: Bloomberg



    Laurene Powell Jobs — wife of the late Apple cofounder Steve Jobs

    Rank on Bloomberg Billionaire's Index: 35

    Net worth on October 31: $21 billion (-3% from $21.6 billion at the end of September)

    Holdings in Apple: $8.5 billion

    Source: Bloomberg



    See the rest of the story at Business Insider

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    Peyton Manning and Tom Brady

    In the NFL, lots of players sign big contracts. But unlike other sports, NFL deals are rarely guaranteed and few players see all of the money in those large deals.

    But a select few have gone on to make big money in their careers as there are now 29 players who have made at least $100 million.

    The list includes 18 active players, 18 quarterbacks, 1 Tom Brady, and 2 Mannings.

    Using contract data obtained by Spotrac.com and other sources, here are the 29 highest-paid players in NFL history.

    29. Champ Bailey, CB — $102.8 million

    Seasons: 15

    Highest single-season earnings: $16.5 million (2010; included $3 million roster bonus)

    Championships: 0

    Pro Bowls: 12

    First-team All-Pro: 3

    One thing to know: Bailey's largest contract came after the 2003 season when he signed a seven-year, $63 million deal.



    28. Cam Newton, QB — 104.7 million

    Seasons: 8

    Highest single-season earnings: $24.0 million (2015; included $15.5 million signing bonus)

    Championships: 0

    Pro Bowls: 3

    First-team All-Pro: 1

    One thing to know: Newton's 5-year, $103 million deal with $60 million guaranteed seems like a steal now compared to some of the deals being given to players, especially quarterbacks. 



    27. Terrell Suggs, LB — 105.2 million

    Seasons: 16

    Highest single-season earnings: $24.9 million (2010; included a $23.0 million bonus)

    Championships: 1

    Pro Bowls: 7

    First-team All-Pro: 1

    One thing to know:  Suggs has spent his entire career with the Ravens, but he will be an unrestricted free agent after the season and has said he wants to keep playing.



    See the rest of the story at Business Insider

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    villanova

    It's been seven months since the Villanova Wildcats brought home their second NCAA Championship trophy in three years, and we're finally ready to ring in the 2018-19 college basketball season.

    After reaching last year's Final Four, the Kansas Jayhawks headline the AP Top 25 preseason poll with 37 first-place votes. But for the first time since the 2004-05 season, seven different teams received first-place votes, including No. 2 Kentucky, No. 3 Gonzaga, No. 4 Duke, No. 5 Virginia, No. 6 Tennessee, and No. 9 Villanova.

    On the other end of the spectrum, No. 12 Kansas State, No. 14 Oregon, No. 15 Virginia Tech, No. 16 Syracuse, No. 18 Mississippi State, No. 23 LSU, and No. 25 Washington all launched into this year's top 25 after failing to make the list at any point during the 2017-18 season.

    With so much uncertainty at the top and a ton of new faces in the mix, this college basketball season is primed to be extremely unpredictable and incredibly exciting. Check out Business Insider's previews for the nation's top teams before the season tips off:

    1. Kansas Jayhawks

    Head coach: Bill Self

    Last season's record: 31-8, 13-5 in the Big 12

    Players to know: F Dedric Lawson (19.2 PPG, 9.9 RPG, 2.1 BPG at Memphis), G Lagerald Vick (12.1 PPG, 4.8 RPG), C Udoka Azubuike (13.0 PPG, 7.0 RPG, 1.7 BPG)

    Led by Consensus First Team All-American Devonte' Graham, last season's Jayhawks secured their 14th consecutive Big 12 title before advancing to the Final Four to take on eventual national champion Villanova. Even after losing their top three scorers in Graham, Svi Mykhailuik, and Malik Newman, Kansas is ranked first with 37 first-place votes in this year's AP Top 25 preseason poll. Three top-30 recruits will bring their talents to Lawrence to compliment senior guard Lagerald Vick and junior center Udoka Azubuike. Additionally, head coach Bill Self brings in a heralded transfer class in former Memphis standouts Dedric and KJ Lawson and Cal point guard Charlie Moore. There is little doubt that this is a ragtag group of players, but there is even less doubt that they have enough talent to do big things this season.

     



    2. Kentucky Wildcats

    Head coach: John Calipari

    Last season's record: 26-11, 10-8 in the SEC

    Player's to know: F P.J. Washington (10.8 PPG, 5.7 RPG), F Reid Travis (19.5 PPG, 8.7 RPG at Stanford), F E.J. Montgomery (Five-star recruit, No. 14 in ESPN 100)

    No one has embraced the one-and-done era quite like Kentucky head coach John Calipari, but this year's Wildcats roster is less stacked with NBA-caliber talent than usual. Still, four five-star recruits and Stanford graduate transfer Reid Travis join experienced sophomores P.J. Washington, Quade Green, and Nick Richards in Lexington in what promises to be a better season for Kentucky than 2017-18. Midway through last year's campaign, the Wildcats fell out of the AP rankings for the first time since 2014 and finished in a three-way tie for fourth in the SEC. As per usual, however, Kentucky came alive in March to win the SEC Tournament and make a run to the Sweet 16. The bar is even higher this season, with the Wildcats looking to return to the Final Four for the fifth time in nine years. 



    3. Gonzaga Bulldogs

    Head coach: Mark Few

    Last season's record: 32–5, 17–1 in the WCC

    Players to know: F Killian Tillie (12.9 PPG, 5.9 RPG), G Zach Norvell Jr. (12.7 PPG, 3.9 RPG), G Josh Perkins (12.3 PPG, 5.3 APG)

    Over the past four years, head coach Mark Few has led the Bulldogs to two Sweet 16s, and Elite Eight, and a national championship game appearance. In his 20th year at the helm, Few will look to earn the program's first-ever national championship with yet another cast of talented veterans. Gonzaga lost its leading scorer and rebounder in Johnathan Williams but returns its next four top scorers. Guard Josh Perkins ranked fourth in the conference with 5.3 assists per game last season while forward Killian Tillie averaged 24 points on 13-of-14 shooting from beyond the arc during the WCC Tournament to earn MVP honors. Each of the Bulldogs' starters could very well make his case for WCC player of the year en route to yet another NCAA Tournament run.



    See the rest of the story at Business Insider

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    roman abramovich

     

    Russian billionaire Roman Abramovich, owner of the UK's Chelsea soccer team, is known for his mind-boggling collection of superyachts, luxury cars, private planes, and lavish homes around the world. 

    The Wall Street Journal once nicknamed his global collection of extravagant possessions "The Roman Empire."

    Once the richest man in Russia, Abramovich has amassed a vast personal fortune. The 51-year-old billionaire is the largest shareholder of Evraz, Russia's second-biggest steelmaker, and also owns stakes in the world's largest producer of refined nickel, according to Bloomberg.

    In 2008, Abramovich's wealth peaked at $23.5 billion, Forbes reported. Today, estimates for his net worth vary greatly, from $11.6 billion to $14.1 billion.

    Here's how Abramovich spends his billions.

    SEE ALSO: 10 things people buy when they have more money than they'd ever need

    DON'T MISS: Richard Branson is sitting on a $5 billion fortune but spent years cringing over displays of wealth — see how the eccentric billionaire likes to spend his money

    Roman Abramovich is a Russian billionaire with an estimated net worth between $11.6 billion and $14.1 billion.

    Source: Forbes, Bloomberg



    Once the richest man in Russia, Abramovich's net worth peaked in 2008 at $23.5 billion.

    Source: Forbes



    The 51-year-old billionaire became a high-profile figure in Britain after he acquired Chelsea Football Club in 2003.

    Source: Bloomberg



    See the rest of the story at Business Insider

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    voting primary ballot box

    • Election Day for the hotly contested 2018 midterms is on Tuesday, November 6.
    • Midterm elections are traditionally a referendum on the party in power, and this year, Republicans in Congress are defending themselves against a wave of anti-Trump fervor.
    • These five congressional races have been identified by experts as "true coin flips" and crucial battlegrounds for Democrats looking to take back the House.

    The 2018 midterm elections are upon us.

    While the Republican party is looking to hold onto their majorities in both houses of Congress (and control of all three branches of government), Democrats are looking to act on the torrent of anti-Trump anger and progressive energy to win back the House of Representatives in what they hope will be a "blue wave."

    While Democrats lead Republicans by 9 points on the generic ballot (a poll that simply asks what party people will vote for in a congressional race) and have raised record amounts of money from donors of all types, everything will come down to voter turnout on election day. Multiple states have seen record-breaking early turnout already. 

    Midterm elections are traditionally a referendum on the party in power, and experts say this year is no exception. In all 25 of these districts, Republicans are fending off Democratic challengers.

    While Democrats are generally seeking to associate Republicans with Trump, Republicans appear to be attempting to deflect attention away from Trump by aligning their Democratic opponents with House minority leader Nancy Pelosi, taxes, and "open borders." 

    While most election forecasts predict that Democrats will gain back the 23 seats they need to flip the House, neither party can afford to take any votes for granted. Out of all 435 seats up for re-election, the forecasters at the FiveThirtyEight have identified 34 highly competitive races. 

    Their model, which uses a number of factors including polls, previous voting behavior, fundraising, and expert ratings, has classified 14 races as toss-ups, meaning both candidates have less than a 60% of chance of winning, 10 "lean Democratic" and 10 "lean Republican". 

    Here's an in-depth look at 25 congressional districts that are too close to call:

    Maine's 2nd congressional district

    The incumbent: Republican Rep. Bruce Poliquin is serving his 2nd term representing the district. While not as much of staunch Trump ally as other vulnerable incumbents, Poliquin faced backlash over his votes on healthcare and the GOP tax bill, and his reported inaccessibility to his constituents.  

    The challenger: The Democratic nominee is Maine state representative and majority whip Jared Golden. He's a Marine Corps veteran who's served in Iraq and Afghanistan and former staffer for Sen. Susan Collins, who touts his record of passing bills to help union workers in the legislature. 

    An Oct. 15-18th New York Times/Siena College poll shows Poliquin and Golden neck-and-neck, with 41% of those polled indicating support for Poliquin and 41% for Golden. 

    The lay of the land: The largest congressional district east of the Mississippi River, Maine's 2nd district encompasses 80% of the state. It's largely rural and working-class, with a tradition of strong organized labor.

    One Bangor Daily News article describes it as a"fiercely libertarian district historically willing to throw its weight behind individual candidates rather than political parties."

    Partisan dynamics: The 2nd district's Cook Political Voting Index (PVI) is R+2, meaning it's two points more Republican than the rest of the country, on average. While Democrats have a very slim registration advantage, the district voted for Trump in 2016 by a margin of seven percentage points, 51% to 44%. 

    Ratings and predictions:  FiveThirtyEight's forecast rates the race as a toss-up, giving Golden a 3 in 5 chance of winning.

    What the local experts say: Michael Sherman, a politics reporter who has been covering the race for the Bangor Daily News, told Business Insider in an email that Golden's success will likely be reliant on how much he's able to tack Poliquin to Trump.

    "For me, the environment is the key thing to watch. The polling that I've seen seems to consistently suggest that Trump is more popular there than he is in the US and Maine overall," wrote Sherman.

    "Poliquin has contorted himself to avoid talking about Trump in the past and that may continue, but I don't think Trump is a drag for him here like he is for other Republicans in suburban areas," said Sherman. "I'd be cautious in thinking that even a 'blue wave' would necessarily oust Poliquin."

    Sherman noted, however, that the presence of two liberal unaffiliated candidates in the race could marginally benefit Golden by siphoning votes away from Poliquin in Maine's recently-introduced ranked-choice voting system.



    Florida's 26th district

    The incumbent: Rep. Carlos Curbelo, currently serving his 2nd term, is a rare moderate Republican in the House.

    He's notably crossed the aisle on issues including abortion, climate change, and government spending, but he also voted to repeal to the ACA and to approve the Trump tax bill. 

    The challenger: Democratic nominee Debbie Mucarsel-Powell is a native of South Florida who has spent most of her career working in local nonprofits. Like Curbelo, she hails from a first-generation immigrant background. 

    The lay of the land: The 26th district is comprised of the southernmost tip of Florida, and includes the popular vacation destinations of the Florida Keys and Everglades National Park. It's almost 80% Hispanic, with a sizeable population of Cuban immigrants. 

    Partisan dynamics: The 26th's district's Cook political rating is D+6, making it the most Democratic district to be represented by a Republican in the country. The district went for Hillary Clinton by a 16-point margin over Donald Trump in 2016.

    Ratings and predictions  FiveThirtyEight rates the race as a pure tossup, giving each a 1 in 2 chance of winning. An October 19-24 Siena College/New York Times poll shows Mucrasel-Powell leading Curbelo by just one point. 

    What the local experts say: Ryan Nicol, who covers South Florida for FloridaPolitics.com, told Business Insider that given Curbelo's bipartisan record, he's not so sure that Democrats can successfully paint him as a Trump surrogate.

    "A big sticking point in this race is whether the Democrats can make [Curbelo] seem not-so-moderate," he said.

    But Nicol wasn't positive that the Democrats' best efforts would be necessarily enough to unseat Curbelo — even if they win back the House.

    "If the Democrats are struggling to win the House, I could see Curbelo getting upset, it's possible," he said. "But even if the Democrats do moderately well, I could still see Curbelo hanging on." 



    Iowa's 3rd congressional district

    The incumbent: Rep. David Young, a former staffer for Sen. Chuck Grassley, is serving his 2nd term in office. He had an unusual path to Congress, in which a Republican convention selected him to be the nominee in 2014 after he received only 35% of the vote in a crowded primary. 

    Young has been playing defense by distancing himself from the Trump administration's controversial agricultural tariffs that have adversely affected Iowa corn and soybean farmers. 

    The challenger: The democratic nominee is Cindy Axne, a small-business owner and former Iowa state official who led a successful effort to make all-day kindergarten available to every student in the West Des Moines public school system. 

    The lay of the land: The 3rd district covers a chunk of Southwestern Iowa, including the capital city of Des Moines. It's over 90% white.

    Partisan dynamic: The 3rd district's Cook partisan lean is R+1. Trump carried the district by just 4 percentage points over Hillary Clinton in 2016. 

    Ratings and predictions: FiveThirtyEight rates the race as 'lean Democratic', giving Axne a 5 in 8 chance of winning. An October 25-27 poll from Siena College/The New York Times has Axne leading Young by 2 points.

    What the local experts say: Steffen Schmidt, a professor of political science at Iowa State University, told Business Insider that the registration dynamics give neither political party a clear majority, meaning that both sides will need to court unaffiliated voters. 

    "Neither party has enough voters without getting a good chunk of the independent voters and also 'poaching' some members of the other party," he said.

    "Democrats and Axne will need a big turnout by Democrats in the Third, a few old school, moderate Republicans, and then enough independents to cross the finish line."

    Dennis Goldford, a professor of political science at Drake University, told Business Insider in a phone call that even though Trump looms large, Axne and other democrats in Iowa should stick with the issues that hit close to home.  

    Goldford said Axne and other will be more successful in courting the voters they need by focusing on the "bread-and-butter issues" such as jobs and infrastructure, as opposed to running the risk of alienating voters by making the race revolve around a "polarizing" figure such as Trump.



    See the rest of the story at Business Insider

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    B-52 wrecked Hanoi Vietnam military museum

    The Vietnam Military History Museum in Hanoi is one of six national museums in the country.

    Opened in 1959, the museum has thousands of military artifacts, everything ranging from small medals to large aircraft.

    In fact, the museum even has several US aircraft, which were shot down in North Vietnam during the Vietnam War, according to the museum's website.

    The Vietnam War, which was fought from 1955 to 1975, killed about 58,200 US troops and as many as 2 million civilians. The US had military advisors in Vietnam in the 1950s, but didn't officially send combat troops there until 1965.

    The museum also has US military vehicles that were purportedly captured during the Vietnam War.

    Check them out below.

    SEE ALSO: This is the huge M777 howitzer that US Marines burned out while fighting ISIS in Syria

    Here's the purported wreckage of a US B-52, which was possibly shot down by a surface-to-air-missile during Operation Linebacker II in 1972.

    Read more about the operation and how the B-52 was shot down here.



    Here's another angle.

    Read more about B-52s here.



    Next to the B-52 appears to be a US M-48 Patton main battle tank.

    Read more about M48s, which was named after US Gen. George S. Patton,here.



    See the rest of the story at Business Insider

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    travel blogger early retirement

    • The reality of early retirement doesn't always match up with the perception.
    • While early retirement offers a sense of freedom, there are also some unexpected elements that early retirees need to adjust to.
    • This mostly requires a shift in mindset: Dealing with an identity crisis and new sources of motivation, realizing that you'll feel the same as before early retirement, and getting out of your comfort zone.

    Early retirement is full of surprises.

    While there's a new sense of freedom and liberation, according to many early retirees, there's also a few unexpected elements that may require some adjustment in early retirement

    For example, some early retirees face an identity crisis and need to find a new source of motivation. Others realize an initial increase in happiness doesn't last forever. Some also learned how to get out of their comfort zone — but that, in the long run, is a positive thing.

    Here, early retirees talk about the ways they didn't expect their life to change after retiring early.

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

    DON'T MISS: 7 things no one tells you about early retirement

    Happiness doesn't really increase during early retirement.

    Early retirement isn't the answer to long-term happiness.

    Karsten, who retired early at age 44 and blogs on EarlyRetirementNow.com, said he didn't feel instantly happier the day after he retired early.

    "Of course, early retirement makes you happier! A lot!" he previously wrote. "But the increase in happiness was already 'priced in' gradually instead of jumping from 0 to 100..."

    And even for those who do feel a jolt of happiness, it's decidedly short-lived.

    "The truth of the matter is, your elevated happiness will only last at most three to six months," early retiree Sam Dogen, blogger behind Financial Samurai, wrote. "Eventually, you'll revert to your natural state of being."



    Leaving your job could lead to an identity crisis.

    According to Dogen, a self-named "grizzled veteran" of the early retirement life, one of the downsides of retiring early is suffering from an identity crisis if you've spent several years working in a profession, which plays a large part in shaping your identity.

    "It's only after you leave your job do you truly realize how wound up you were in your profession,"Dogen wrote. The identity crisis may last as little as three months or up to a few years depending on how wrapped up you were in your job, he said.

    He added: "The most common question people ask when they first meet each other is: What do you do for a living? And if you tell them you don't do anything for a living, well then you might just feel like a sheepish loser."

     

     

     



    With more time, you might need to find a new source of motivation.

    That said, many early retirees end up needing to find a new source of motivation.

    Brandon of the Mad Fientist, who retired early at age 34, previously said that his biggest mindset shift after retiring early was realizing that money was no longer motivating.

    "This is quite a shocking and uncomfortable shift for me,"he wrote. "Money has motivated my entire adult life until this point. Now, I have enough money (and even more than I expected) so it's not as important anymore."

    While it's a great position to be in, he said, losing your main source of motivation can be disorienting.

    "Some of the projects I planned to start after leaving my job were business ideas but now that earning more money isn't as appealing, I don't see the point," he wrote. "I've had to reevaluate my entire life and all my plans while simultaneously finding a new source of motivation."

     



    See the rest of the story at Business Insider

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    woman drinking water bottle

    Flight delays are annoying, but they happen — especially around the holidays

    While you might want to keep your carry-on as light as possible, there are a few essentials you should consider having on hand in case of a delay, a cancellation, or lost luggage.

    Keep scrolling to see what 11 items are must-haves in your carry-on bag.

    In case of long delays, you don't want your phone dying on you. Make sure to have a phone charger or a portable charger on hand.

    Having a dead phone at the airport seems mildly terrifying, especially if you're stuck at the airport for hours, without a book or laptop to keep you company. A general rule of thumb: keep all your chargers in your carry-on.



    Noise canceling headphones are a travel game changer.

    Of course you'll want headphones in order to listen to your music and meditation guides in peace, or to watch movies and TV shows without disturbing those around you, but noise canceling headphones take everything to a new level. They'll help you nap, or even read in peace while a toddler is having a tantrum nearby.

    If you have wireless headphones, make sure you have the charger on hand as well.

    We have recommendations for the best cheap in-ear buds, and for the best bluetooth headphones.



    The high AC at the gate will get old quickly — don't forget to bring something to keep you warm.

    If you don't want to take up precious real-estate in your bag with a bulky sweater, consider a scarf.

    Though this likely pertains more to female travelers than male travelers, a scarf comes in handy as a fashion accessory, a blanket, and even lumbar support once you're finally on your flight. 



    See the rest of the story at Business Insider

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    women thrift shopping getty

    Every day, we go through our daily routine and whether we realize it or not, our habits have an impact on the environment around us. Sometimes, it's something more obvious, like choosing to throw a water bottle in the recycling bin rather than the trash can. Other times, it’s less obvious, like running your dishwasher at night rather than during the day.

    It's important to understand how the small decisions each of us make add up to a huge impact on the environment. To give you a better sense of what your carbon footprint looks like, take a look at this list to see which habits you’re already doing, which you may need to adopt, and which you need to give up.

    Eating your leftovers can actually save the planet.

    Thenumber one material sent to landfills and incinerators is food waste, the Environmental Protection Agency (EPA) said in their official statement on Martin Luther King Day. And much of the food that’s thrown away is usually wholesome food that could be fed to those in need.

    An easy way to reduce this problem is to eat your leftovers. People who are already doing this are saving money and reducing harmful greenhouse gas emissions, which are produced from decomposing food in landfills.



    Going vegan is a meaningful step towards reducing your environmental impact.

    Our current food system in the US is responsible for more than a quarter of all greenhouse gas emissions. And according toa study published in Nature, this number will only increase.

    By 2050, there will be an 80% increase in global greenhouse gas emissions from food production. To prevent this, the study found that a global vegetarian diet would be most effective in reducing emissions — more so than a global Mediterranean or pescatarian diet.

    And with a vegan diet, as you can imagine,emissions would be reduced most of all by eliminating also dairy and eggs and in turn, decreasing agricultural land demand and land clearing.

     

    So, by simply choosing to follow a plant-based diet, you’re actually promoting environmental sustainability.



    Reusable water bottles aren’t just a status statement, they also save the whales.

    People who have those trendy reusable water bottles are not only are saving money but also are reaping the health benefits.

    By drinking from a refillable water bottle, youcan save about $260 per year, as most Americans spend about $5 per week on bottled water. Plus, you can be assured that your bottle is Bisphenol A (BPA) free, unlike plastic water bottles which may contain BPA. This chemical has been found to cause serious health problems down the line such as cancer or hormonal problems.

    Using a reusable water bottle also prevents you from adding tothe 38 billion water bottles that end up in US landfills each year and helps reduce plastic waste,protecting marine animals from eating or becoming entangled in plastic, according to National Geographic magazine.



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    Diablo Immortal designer Chris Burger

    "Is this an out of season April Fools joke?" was probably the last question that representatives from Blizzard Entertainment expected to hear at their company's annual fan event, BlizzCon 2018. 

    But that's exactly the question they got from a fan during a question-and-answer session over the weekend about the new "Diablo" game, "Diablo Immortal," a free-to-play game coming to smartphones.  

    Lead designer Wyatt Cheng laughed it off as the massive crowd of attendees loudly applauded the question — a physical manifestation of the frustration many "Diablo" fans expressed over the new game. 

    Online, the reaction was far worse.

    "Has Diablo Immortal killed your hope for the future of Diablo?" reads one popular thread on the "Diablo" Reddit forum

    And the backlash may have spooked Wall Street, too: For those keeping score at home, shares in Activision Blizzard were down almost 7% in trading on Monday. 

    What in the world is going on? It's complicated.

    SEE ALSO: The makers of 'Warcraft' and 'Diablo' are planning to make 'Diablo 3' work across competing consoles: 'It's a question of when, not if'

    Things started out politely enough:

    "Hello BlizzCon!" Wyatt Cheng said last Friday. He was speaking to a massive crowd of attendees at BlizzCon 2018, the annual fan event held by Blizzard Entertainment in Anaheim, California. 

    The room for the keynote was packed, and fans were there specifically for announcements. A new "Overwatch" hero, perhaps? Maybe — finally— the long-anticipated announcement of "Diablo 4"?

    It wasn't to be. Cheng was indeed there to announce a new game in the "Diablo" franchise...it just wasn't the one that fans wanted.

    "We love Diablo!" Cheng enthusiastically shouted at attendees. "We love the way 'Diablo' has brought millions of players around the world together to slay demons." That's when Cheng started to reveal the new game.

    "Our modern world is an increasingly connected one," he said. "Our mobile devices keep us closer than ever to our friends, family, and loved ones. So we knew that we wanted to use mobile devices as the platform for a new 'Diablo' game — because nothing brings together the family like slaying demons!"

    It was with this subtle distinction that Cheng announced "Diablo Immortal," a smartphone-only entry in the "Diablo" franchise. "We are making a full-fledged action-RPG you can play everywhere with everyone," he said. The game looks and plays similarly to traditional "Diablo" games, except it's tailored for smartphones' touch controls and smaller screen.

    The announcement was met with applause — not roaring applause, necessarily, but applause nonetheless. That enthusiasm didn't last long.



    From polite enthusiasm to outrage in just one night:

    By Saturday, less than 24 hours later, the attitude toward "Diablo Immortal' at BlizzCon 2018 changed.

    Fans were taking to the internet to decry the game — a mobile-only entry in a beloved PC gaming series — as the beginning of the end of the franchise. People turned the "Diablo" subreddit into a litany of grievances. Twitter is still awash with aggrieved fans, days later, as is the subreddit.

    "Hey @Blizzard_Ent and @BlizzardCS I know you don't care, but today I uninstalled @PlayOverwatch @PlayHearthstone @Diablo and I cancelled my @Warcraft subscription. I stopped supporting @EA years ago when they killed franchises and now I will say good bye to you as well,"one Twitter user wrote on Monday.

    Cheng and his coworkers at Blizzard were clearly aware of this backlash, as Cheng opened Saturday afternoon's question-and-answer session for "Diablo Immortal" with a reassurance that several other "Diablo" projects are currently in the works at Blizzard.

    Attendees cheered this announcement, but ultimately the reassurance wasn't enough.



    "Do you guys not have phones?"

    Though several different people asked questions about the smartphone focus of "Diablo Immortal" during the Q&A, it was one particular straw that seemingly broke the camel's back.

    The camel in this situation is Wyatt Cheng, and it was a seemingly banal question about "Diablo Immortal" that got to him. Will the game ever come to other platforms, or is it smartphone exclusive? It was this that resulted in Cheng asking a question of attendees: "Do you guys not have phones?"

    That didn't go over so well. He rhetorically asked attendees as much in a moment of mild frustration, and he accidentally became a meme.

    The question was asked in jest, but it served as a perfect embodiment of the contention between Blizzard's announcement and its community: In Blizzard's eyes, "Diablo Immortal" is one of several new games in the "Diablo" franchise; In the community's eyes, "Diablo Immortal" is another move toward turning "Diablo" into a series focused on profit over gameplay.

    More specifically, it's seen by the community — many of which have been playing the "Diablo" franchise for decades — as a step away from the franchise's past as a PC game, and a step toward the profit-focused world of mobile game design. Though Blizzard hasn't said as much explicitly, the "Diablo" mobile game appears to be free-to-play: a model of game pricing that's notorious for optimizing profit over gameplay.

    Worse still, Blizzard seemingly doesn't understand why fans are upset.

    "Do you guys not have phones?" posits that people are only upset because "Diablo" is getting a new game on mobile. Of course"Diablo" fans have smartphones. That's not really the point.



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    back acne

    Acne can be a huge pain — especially when it's on your body. If you're struggling with body acne (also known as folliculitis), keep in mind that you're not alone, said New York-based dermatologist Susan Bard. "It's very common," she told INSIDER. "Most people will experience some form of folliculitis in their lifetime."

    So where does it come from?  Tennessee-based dermatologist Carley Fowler told INSIDER that it can be caused by many different things. "Body acne can be caused by a combination of bacteria, hormones, and genetics," she said.

    Dhaval Bhanusali, a dermatologist in New York, added that it's becoming increasingly difficult to get rid of. "More recently, we are seeing a resistant form, referred to as  'hot yoga acne,' by many dermatologists," he told INSIDER. "It's actually caused by a yeast called pityrosporum and is generally seen in patients wearing tight workout clothes who don't shower immediately after classes."

    Bhanusali's number one tip is to make sure that you're washing off right after any workout. But maybe that isn't enough. After all, body acne can be really challenging to treat, said Marisa Garshick, a New York-based dermatologist. "The skin on the body is thicker than that on the face, making it harder for topical treatments to penetrate the skin," she told INSIDER.

    The good news? There are products out there that can help clear up your skin. INSIDER spoke to board-certified dermatologists to find out what they are.

     

    Medicated body wash can fight bacteria that causes acne.

    The most popular suggestion was to use an over-the-counter body wash that has benzoyl peroxide or salicylic acid in it. "Using a bactericidal wash, such as one with 10% benzoyl peroxide, daily in the shower can help to kill bacteria and reduce the number of breakouts," said Jennifer Channual, a dermatologist in California. Need a recommendation? One of the top picks among the dermatologists was Panoxyl (but almost any over-the-counter medicated body wash will do). Fowler added that you should let it sit on your skin for five minutes before washing it off.

    If you're struggling with post-workout zits, Bhanusali reccomends using something extra. "For these patients, products like Dove's anti-dandruff shampoo (which has pyrithione zinc) work amazingly," he said. But any product with that magic ingredient will be able to help clear your skin up, too.



    Glycolic or salicylic acid pads are perfect when you're on the go.

    Looking for an on-the-go option? Olubusayo Obayan, a dermatologist in Texas, told INSIDER that pads infused with glycolic acid or salicylic acid are a great option. All you have to do is swipe them across your body, and the medication will help zap the bacteria from your skin.

    Plus, they're travel-friendly and disposable. "I love glycolic and salicylic acid pads for body acne," he said. "My athletes, dancers, and other clients who are on the go can just throw them in a bag and use them after a workout. You can find a lot of affordable products on amazon or your local dermatology clinic."

     



    Medicated body spray offers a quick and easy fix.

    If you're looking for an easy application, consider using a body spray that's infused with acne medication. Garshick recommended looking for a product that has salicylic acid in it.

    It's extremely easy to use: Just spray it onto clean, dry skin. It will kill the pesky acne-causing bacteria on your body.



    See the rest of the story at Business Insider

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    Rep. Marsha Blackburn meets a voter at a pumpkin festival in Franklin, Tennessee on October 27.

    Tennessee is so red that President Donald Trump won it by 26 points in 2016.

    But the southern state's consequential Senate race between Democratic former Gov. Phil Bredesen and GOP Rep. Marsha Blackburn is one of the tightest in the country.

    Blackburn — a staunch Trump ally and one of the most conservative members of the House — is running on Trump's tax cuts and deregulation and her promise to be a virtual rubber stamp for his agenda.

    Meanwhile, Bredesen, a popular former Nashville mayor and two-term governor, is selling his centrist candidacy with the promise that he'll alleviate Washington dysfunction by working across the aisle.

    Read more:Read Business Insider's interviews with Marsha Blackburn and Phil Bredesen

    Tennessee's voters have complicated thoughts on the candidates and the national political moment.

    Ron Deese, 60, voted for Hillary Clinton in 2016 and for former President Barack Obama twice, but is fully behind Blackburn this year — not because he doesn't like the Democratic alternative, but because he trusts his congresswoman and isn't loyal to any party.

    "I just like her, I think she's honest. I think she's pretty well done what she said she was gonna do," said Deese, who works in the telecommunications industry in Nashville. "I don't pull one lever ... I vote for the person I think is gonna do the best job."

    Walt and Margie Murphy, a retired couple, are registered Democrats and Bredesen fans, but their son will likely vote Republican, they say, and their four grandchildren are independents.

    Margie, 76, thinks many will vote the GOP ticket for one reason, "money."

    "The economy's good, so let's not mess up that," she said.

    Here's what nine other Tennessee voters had to say.

    SEE ALSO: 'Ridiculous' attack ads and bitter protests define a divisive Tennessee race that could determine control of the Senate

    DON'T MISS: 'It came out of the blue': Tennessee Democratic Senate candidate describes the shock of learning of Taylor Swift's endorsement

    "[Trump] needs to count to 10 before he speaks."

    Cindy Osborn, a 53-year-old teacher from Mt. Juliet, Tennessee, is a Blackburn supporter who's most concerned about the future of healthcare. She wants that Affordable Care Act, commonly known as Obamacare, repealed.

    On Trump:"I have been fairly pleased, as far as how he's working the economy. I don't agree with how he speaks sometimes, the way he mouths off. I think he needs to count to 10 before he speaks or before he tweets."

    But Osborn doesn't think Trump's attacks on the media and his political opponents has fueled partisanship or extremism. She thinks the attempted mail bombings targeting top Democrats and CNN by suspect Cesar Sayoc, a Trump-supporting right-wing extremist, was actually orchestrated by leftists.

    "I tend to believe that it's probably fed in some way by the left being made to look like it's the right, just because that's how some of the far, far left with operate, she said. "I think we probably have some people working some evil deeds somewhere that we just choose to ignore."



    Blackburn's support of Trump is "an embarrassment"

    Kyle Drury (right), a 33-year-old IT project manager who lives in East Nashville, is a registered independent and voted for Bredesen.

    "Blackburn's on the Trump Train. It's an embarrassment, I don't know how else to say it."



    "I believe that people should be able to own a firearm, the whole nine yards."

    For Jesse Sauceman, a 63-year old chemical plant supervisor from Newport, Tennessee, the top issue is the Second Amendment.

    He's voting for Blackburn because "her philosophy just aligns with mine."

    On Trump:"I don't like his tone of voice, but neither do I like Savannah Guthrie's tone of voice, so I figure he can do better, they can do better. So it's a wash."

    On guns and mass shootings:"You can't pass a law against craziness. It's just like the kids who shoot kids in schools, I mean, what are you gonna do? ... I'm an NRA member, I believe that people should be able to own a firearm, the whole nine yards."

    He added that Americans may have to protect themselves against a fascist government in the future. "According to all I've read, past history predicts future events."



    See the rest of the story at Business Insider

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    Marquez Valdes Scantling

    We're in the thick of the NFL season, with bye weeks now a critical part of the week-to-week calculations of any fantasy player.

    This week there are four teams resting at home, meaning your fantasy squad will almost certainly be missing a key contributor.

    Below, we've collected 13 potential waiver-wire targets for fantasy players looking to improve their rosters as bye weeks begin to interrupt their lineups.

    All ownership percentages come from ESPN, and scoring is based on a standard ESPN points-per-reception format.

    Nick Mullens, QB, San Francisco 49ers

    ESPN fantasy ownership: 0.8%

    Week 9 stats: 262 passing yards, three touchdowns — 22.2 fantasy points

    One thing to know: Nick Mullens was one of the biggest surprise of Week 9, jumping into the starting role for the 49ers and picking the Raiders defense apart in a near-perfect debut performance. He's not a long term answer at quarterback, for the Niners or for your fantasy team, but with San Francisco's next two games against the Giants and Buccaneers, he could be of use in some deeper leagues.



    Ryan Fitzpatrick, QB, Tampa Bay Buccaneers

    ESPN fantasy ownership: 69.9%

    Week 9 stats: 243 passing yards, four touchdowns, two interceptions — 24 fantasy points

    One thing to know: Ryan Fitzpatrick has been a dominant fantasy quarterback as long as he's been given the chance to start in Tampa Bay. He's got a few solid matchups to end the season, and might be worth an add even if you think you're already set at QB.



    Duke Johnson Jr., RB, Cleveland Browns

    ESPN fantasy ownership: 49.5%

    Week 9 stats: Nine receptions, 78 rushing yards, two touchdowns — 29.6 fantasy points

    One thing to know: While he's still almost never a part of Cleveland's rushing attack, Duke Johnson Jr. seemed to finally find a rhythm on Sunday in the Browns passing game, and wound up with two touchdowns to show for it. He's a solid boom-or-bust play for PPR leagues.



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    Marc Benioff

    On Tuesday, San Franciscans will vote on the controversial Proposition C ballot measure, which would tax the city’s largest corporations to provide more funding to fight homelessness. 

    Heated debates between tech executives have been the center of the Prop C story, with Salesforce CEO Marc Benioff leading the charge in favor of the tax. Notable Twitter battles include the slick-haired cloud exec taking on Square CEO Jack Dorsey and Zynga co-founder, Marc Pincus

    Both Dorsey and Pincus have said they want to help fight homelessness in San Francisco, but don't believe Prop C is the answer. 

    Many other tech executives and entrepreneurs across Silicon Valley have made their stances public on Prop C as well. 

    Here's a list of those for and against the corporate tax to help fight homelessness in San Francisco:

    SEE ALSO: The 11 most useful features in iOS 12

    These are the execs and companies that support voting Yes on Prop C



    Marc Benioff, CEO of Salesforce

    "Our city is in a crisis. A crisis of cleanliness, a crisis of inequity and inaction ... and we can’t just sit by anymore," Benioff — who has donated a combined $7.9 million between Salesforce and himself — told the San Francisco Chronicle.

     



    Chuck Robbins, CEO of Cisco Systems

    "Completely with you @Benioff - look forward to connecting our efforts from SJ to SF to Oakland!" said Robbins, whose company's headquarters is in San Jose. 



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    Instagram

    • Thomas Ollivier has been a freelance artist and creative director for over 10 years.
    • His most recent project, "Re:Birth," transforms modern tech into pure '80s nostalgia.
    • His unique work has allowed him to collaborate with many big companies, like Nespresso and Netflix.

    The world was a very different place pre-internet. In fact, it was much harder.

    But there's a sense of nostalgia we just can't shake from that era: and graphic designer Thomas Ollivier perfectly mixes that nostalgia with modern-day technology.

    His latest project, "Re:Birth," takes you back in time to see what your favorite apps and technologies might look like transformed into objects from the '80s.

    His work has garnered thousands of Instagram followers, and allowed him to work with huge brands like Nespresso and Netflix. Keep scrolling to see why.

    Ollivier grew up in France and now lives in London.

    "While being bored at school, I started to get into graffiti and quickly decided that I wanted to do something related to visual art," Ollivier told INSIDER.



    He chose a career in graphic design because "being able to imagine and create anything you want is pretty liberating."

    "I have produced music, I am now co-making wine, it opens up new horizons and feeds my curiosity I suppose," he added.



    His most recent project, "Re:Birth," takes popular apps and social media platforms and re-imagines them in the form of '80s technology.

    Everything was so different before the internet (and so much harder!).



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    Jon Snow Daenerys Targaryen dragonpit Game of Thrones season 7 finale

    "Game of Thrones" fans still have months to wait until the hit HBO series returns for its eighth and final season. 

    Since the series last aired in August 2017, very little information has been revealed about what fans can expect when the show returns.

    Fans know there will be six episodes that will air during the first half of 2019, but the exact return date is still unknown. The only glimpse from the actual eighth season so far has been a three-second clip showing Sansa and Jon hugging. But despite the dearth of knowledge, there are a few notes to rely on.

    Here's what we know about the eighth season so far. 

    The only new footage released for the final season so far shows Jon and Sansa hugging at Winterfell.

    In a video preview of shows airing on HBO in 2019, the network included a three-second clip of Jon and Sansa reuniting at the Stark family home. The hug was more solemn than their reunion at Castle Black. 

     



    Jon, Daenerys, and her army will arrive at Winterfell during the premiere.

    Jon and Sansa's hug will take place during the premiere when Jon returns home, according to Entertainment Weekly. EW also confirmed that Sansa's serious reaction is due to her disapproval of Jon teaming with Daenerys and bringing her army to Winterfell.

    Actress Hannah Murray, who plays Gilly, told INSIDER that she "got to work with some people I hadn't had the chance to work with before" while filming season eight. Considering she and Sam arrived at the Stark home at the end of the seventh season, it stands to reason that Gilly will meet Daenerys and the surviving Stark family members.



    Ghost is back after being absent during all of season seven.

    Visual effects supervisor Joe Bauer told HuffPost that Jon's direwolf will get more screen time

    "Oh, you'll see him again," Bauer said. "He has a fair amount of screen time in season eight. He does show up."

    Arya's wolf Nymeria briefly appeared on season seven, so with Ghost returning, it's also possible to see her come back.

    The Starks have a special mystical connection to the direwolves in George R.R. Martin's books, so there's a chance it will be explored on-screen for the final season.  



    See the rest of the story at Business Insider

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