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The latest news on Features from 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.


    • Now through November 27, you can save 20% on clothing and outerwear at L.L.Bean by using the promo code "THANKS20" at checkout.
    • The sale includes fleeces, flannels, jeans, jackets, and much more.

    Made for the outdoors, L.L.Bean is one of the best brands for tackling the elements in style. This Black Friday and Cyber Monday, its having a huge sale to pass along some savings.

    Now through November 27, you can save 20% on clothing and outwear by using the promo code "THANKS20" at checkout. You'll also receive a $10 gift card to use on a future purchase of $50 or more by December 24.

    Whether you're looking for warm flannel shirts and sweaters, comfortable fleece jackets, or a heavy winter parka, you'll be able to get a great deal at L.L.Bean.

    Since there are so many great sales going on all across the web, the last thing you want to do is spend too much time shopping in one place. So, to make it easier for you, we rounded up some of the best deals at L.L.Bean for men, women, and kids. Check them out below.

    Shop the L.L.Bean Black Friday sale now.

    Looking for more deals? We've rounded up the best Black Friday and Cyber Monday deals on the internet.

    To potentially save more on Black Friday and Cyber Monday, you can visit Business Insider Coupons to find up-to-date promo codes for a range of online stores.

    Men's Scotch Plaid Flannel Shirt

    Scotch Plaid Flannel Shirt, available in nine colors, $39.96 (Originally $49.95) [You save $9.99]

    Men's Classic Ragg Wool Sweater

    Classic Ragg Wool Sweater, available in four colors, $79.20 (Originally $99) [You save $19.80]

    Men's Hi-Pile Fleece Pullover

    Hi-Pile Fleece Pullover, available in four colors, $63.20 (Originally $79) [You save $15.80]

    See the rest of the story at Business Insider

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    lion king live action vs. original

    • Disney released the first teaser trailer for its live-action remake of "The Lion King."
    • The trailer features animals and scenes of sub-Saharan Africa, as well as a voiceover from Mufasa (James Earl Jones.)
    • Fans immediately began comparing the newly released "Lion King" trailer to the that of the 1994 animated version. 
    • The movie hits theaters July 19, 2019.

    On Thursday, Disney released the first teaser trailer for its highly anticipated live-action remake of "The Lion King," The one-and-a-half-minute video featured many aspects from the original film that fans love, from breath-taking views of Africa to a James Earl Jones voice over.

    In fact, the live-action trailer was so similar, fans began comparing the new trailer to the original "Lion King" trailer. And after looking a little closely, they seem to be right.

    Read more:Here's the cast of Disney's live-action 'The Lion King' and who they're playing

    Here's proof that the trailer for the live-action "Lion King" is eerily similar to the original. 

    Both trailers begin with a sun rising over Africa.

    You can hear birds chirping before the screen cuts to black. 

    You also see trees in both trailer, though in different location.

    The first shot gives viewers faith that director Jon Favreau, who was nervous about taking on the remake, is staying true to the original while maintaining realism. 

    Next, the live-action trailer cuts to an oryx.

    According to the Smithsonian's Nation Zoo and Biology Institute, an oryx is a species of antelope that may be behind the legend of the unicorn. 

    See the rest of the story at Business Insider

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    budapest hungary

    • Popular Europeantourist destinations like Paris, Rome, and London aren't your only options on the continent.
    • Here, we explore seven of the most underrated cities in Europe, from Strasbourg, France, to Budapest, Hungary.  


    When most people dream of traveling across Europe, they envision hitting the cities that we see in movies and on TV or that we read about in books.

    While places like Paris, Rome, and London all have their merits and are definitely worth a visit, there are some seriously underrated places across the continent that have a lot to offer (even if you've never heard of them).

    The next time you're ready to pack your bags and head overseas, considering making your way to these seven cities — you might just be amazed by what you find there.

    SEE ALSO: 10 things about living in England as an American that I wasn't prepared for

    York, England

    When most people think of England, they think of London, but there's an entire country outside of the capital with so much to offer, and York is definitely high up on the list. Located in the north of England — North Yorkshire, to be specific — the city was founded by the Romans around the year 71 AD. It remains a vibrant hub full of beautiful architecture (York Minster, a Gothic cathedral, is a particularly beautiful sight) and narrow, winding streets that truly make you feel as if you've stepped into another era.

    Budapest, Hungary

    While tourism is on the rise in Hungary's capital city, it's safe to say that it still remains a somewhat well-kept secret. The fourteenth largest city in Europe, Budapest is certainly one of the most beautiful cities in the world, boasting amazing museums, churches, and scenic views of the Danube.

    Strasbourg, France

    Paris may be the city of love, but Strasbourg, located just over two hours from the capital by train, serves as the official seat of the European Parliament and showcases the exquisite beauty of the Alsace region. Located close to the German border, Strasbourg's city center is an official UNESCO World Heritage site and features architecture and culture that's a charming mix of both German and French.

    See the rest of the story at Business Insider

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    • The New York City subway may be extensive and well-connected, but it's hardly the most reliable.
    • In contrast, the Delhi Metro is not only clean and convenient, but also extremely reliable. 
    • I rode the Delhi Metro during the most crowded time of the year, and it was still much more enjoyable than the New York subway system.

    As a New Yorker, I rely on the city's subway system for my daily commute to work and back. And while it is extensive and well-connected, it's hardly ever reliable.

    The aging system is in tatters, and is plagued by frequent outages and delays, often making the experience a frustrating one. It's not the cleanest, either, with trash regularly littering the rat-infested tracks.

    The Delhi Metro, in contrast, was an absolute joy to ride on. 

    I took the Metro on a recent trip to the Indian capital — and my hometown — and found that it was not only clean and convenient, but also extremely reliable. 

    Here's a closer look at my experience on the Delhi Metro. 

    SEE ALSO: New York City's subway is falling apart — here's how it compares to other cities around the world

    The New York City subway runs 24 hours a day, through four of the city's five boroughs. It transported about 1.7 billion people last year.

    Source: The New York Times

    But the Delhi Metro gets crowded, too. In 2016–17, the Delhi Metro had a billion riders.

    Source: Delhi Metro Rail Corporation

    It opened for business in 2002, and now spans across 317 kilometers and 231 stations in the National Capital Region of India.

    Source: Delhi Metro Rail Corporation

    See the rest of the story at Business Insider

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    rheumatoid arthritis

    • Rheumatoid arthritis is a chronic inflammatory disorder that leads to painful swelling and deformities of the joints.
    • According to the Healthline, an estimated 1.3 million Americans have been diagnosed with rheumatoid arthritis — some of whom you may recognize.
    • From Megan Park to Golnesa "GG" Gharachedaghi, here are famous people who're living with rheumatoid arthritis.

    Though some celebrities tend to keep their health matters private, many come forward after difficult diagnoses in an effort to spread awareness and relate to the millions of people living with debilitating conditions.

    Rheumatoid arthritis (RA) is no different. This chronic inflammatory disorder develops when the immune system begins to attack the body's tissues, resulting in painful joint swelling, deformities, fatigue, fevers, and weight loss.

    RA can impact day-to-day living, making it difficult to perform even the most basic activities like brushing your hair or texting. These professional athletes, actors, performers, and television stars have opened up about what it's like to have RA.

    Here are celebrities you didn't know had RA:

    Golnesa "GG" Gharachedaghi was diagnosed at 27 when she noticed symptoms.

    We all know GG as the reality star of Bravo's "Shahs of Sunset."

    According to Everyday Health, GG developed RA when she was 27 after her hands would swell, turn blue, and go numb during her sleep. After seeking treatment from several rheumatologists, GG has found cannabis to significantly reduce her pain and help her sleep.

    "For the last six months, I have been using cannabis, and there are some non-psychoactive strains that have eased my pain significantly."

    Megan Park said she makes sure to rest a lot when she has a job to do.

    Park never let her RA get in the way of her ability to do her job, even as the role of a conservative cheerleader in ABC's "The Secret Life of the American Teenager."

    "When I'm at work, I'm hunkering down and making sure I get lots of rest," Park told People magazine. "I'm making that sure that I'm not doing anything in my off time that's going to aggravate my joints."

    Aida Turturro has been managing her RA since she was 12.

    RA is not reserved for the elderly, as actress Aida Tuturro experienced. The "Sopranos" star was diagnosed with RA when she was just 12 years old.

    "We were at the beach, and my father literally had to carry me to the water because my feet hurt so much," she told USA Today. Today, she said she focuses on getting the right treatment and managing her symptoms for optimal relief.

    See the rest of the story at Business Insider

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    Cards Against Humanity black friday

    "Holy f--- have we got some deals,"a new website from the makers of Cards Against Humanity reads. "Don’t be frightened by the deals. Just click and let the savings wash over you."

    While many of the items sold on could be seen as prank gifts — like a life-size cutout of Orlando Bloom, a portable sauna, or a medieval weapon — the site is also selling some pricey items: a marked-down used car, 85-inch smart TVs, and an engagement ring.

    This has, of course, raised some questions on social media about the legitimacy of the sales (and whether the items exist in the first place), but the FAQs found at the bottom of the website insist the products are "actually available." 

    Cards Against Humanity's cofounder, Max Temkin, also confirmed the legitimacy of the deals in an email to Business Insider.

    "We have most of these items in hand at the office here (and our office is filled with crazy stuff right now)," Max Temkin said in an email to Business Insider. "This is 100% real and possibly a very bad idea."

    The items sold on the website are available in extremely limited quantities and, in some cases, are "one-off" items, Temkin said.

    Every 10 minutes, a new product goes live on the website. Here are some of the items that have been sold so far for Black Friday:

    A creepy geriatric medical doll.

    A royal throne for important business.

    For when you need to churn your own butter like they did back in the day.

    See the rest of the story at Business Insider

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    columbus circle nyc

    When you think of monuments, you might think of impressive structures like the Washington Monument or the Eiffel Tower that millions of people have visited throughout the years.

    But not all monuments receive universal acclaim. From memorials for war criminals or army deserters to statues constructed under dubious circumstances, these 13 monuments have seen their fair share of controversy since their construction.

    Keep scrolling to learn more about these potentially problematic attractions.

    Mount Rushmore was designed by a sculptor who allegedly had ties to the Ku Klux Klan, and was built on seized land.

    Per the 1980 Supreme Court case United States vs. Sioux Nation of Indians, Mount Rushmore is located on Sioux land. While the court ruled that the tribe should be offered the 1877 price of the land, plus 100 years of interest, the offer was rebuffed.

    When the history of the monument, which was completed in 1941, is taken into account, it's surprising that Mount Rushmore has become such an American icon.

    Besides its location and history, Mount Rushmore is controversial because it was designed by Gutzon Borglum, a polarizing figure in his own right as he is said to have developed sympathetic connections with the Ku Klux Klan while working on Stone Mountain, which depicts the leaders of the Confederacy. 

    He never finished Stone Mountain, instead focusing on Mount Rushmore, the original plan for which, conceived by the state historian of South Dakota, was to depict Lewis and Clark, Red Cloud, and General George Custer. Borglum scrapped that idea, and replaced them with George Washington, Thomas Jefferson, Theodore Roosevelt, and Abraham Lincoln — four white men, two of which owned slaves.

    Stone Mountain depicts the leaders of the Confederacy — openly white supremacists.

    The giant figures sculpted in granite rock on Stone Mountain, which sits outside Atlanta, Georgia, are Jefferson Davis, the only President of the Confederate States of America, alongside Confederate Generals Robert E. Lee and Stonewall Jackson. It was completed in 1972.

    The location for the monument is no coincidence either. Stone Mountain has long been considered an important site for the Ku Klux Klan, which famously held its first cross burning there in 1915.

    Stone Mountain is just one of many Confederate monuments, statues, and memorials that have come under fire in recent years, but getting rid of it proves complicated, as the mountain would need to be scraped off or blown up.

    While many think these Confederate monuments offer valuable history lessons, others see them as tributes to white supremacy.

    A memorial for Sioux leader Crazy Horse has been called hypocritical, and remains unfinished after seven decades.

    Construction on the Crazy Horse Memorial in the Black Hills began in 1948. While it may one day become one of the largest sculptures in the world, 70 years later, it's still under construction.

    Why the long process? Because Korczak Ziolkowski, the designer of the memorial, learned from the misadventures of Gutzon Borglum, the man behind Mount Rushmore, who kept getting delayed due to issues with federal funding. Thus, Ziolkowski vowed to only accept private funding, which has led to a glacial pace of progress.

    Critics of this memorial claim that Crazy Horse, a prominent Sioux figure, would never have wanted a giant statue of himself carved into the hills he sought to protect. Also, there are no documented photographs of Crazy Horse himself, so there is also a serious question about the appearance of the memorial.

    See the rest of the story at Business Insider

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    startup deals black friday

    • Don't overlook the smaller online startups as you shop on Black Friday this year. 
    • Since many of these startups pride themselves on already-low prices on premium goods like jewelry, cookware, and shoes, they don't often run promotions. 
    • Black Friday is one of the few times of the year when you can save on products and gifts from these unique, up-and-coming startups. 
    • To potentially save more on Black Friday, you can visit Business Insider Coupons to find up-to-date promo codes for a range of online stores.

    The past 10 years and the next 10 years of retail belong to the direct-to-consumer online startup. By reimagining how products are made and sold, startups challenge the old way of doing business.

    Often times, the environment and worker livelihoods benefit from the innovative ways that startups operate. You, the customer, also benefit as these companies affect the way you get dressed in the morning, cook food at home, sleep, and more. 

    Amidst the chaos of large retailers like Amazon, Walmart, and Target dominating Black Friday deals news, these startups are quietly offering deals as well. For some, this is the only time of the year when their products are discounted, so you should definitely take advantage of the rare opportunity. 

    If you're searching for a unique gift, you won't find any time better than now to find one and save money. We've also partnered with many of these startups to offer you exclusive reader discounts. Make sure to check back throughout the week as we add more deals. 

    Looking for more deals? We've rounded up the best Black Friday and Cyber Monday deals on the internet.

    SEE ALSO: Black Friday 2018: Insider Picks is going to handpick the best deals for readers all day long

    Brooklinen: Luxury bedding for less

    Shop Black Friday deals at Brooklinen

    The deals:

    • 10% off orders of $250+ from November 23 through November 26
    • 15% off orders of $350+ from November 23 through November 26
    • 20% off orders of $450+ from November 23 through November 26

    What to buy:

    Read more about Brooklinen: 

    Leesa: Pressure-relieving foam and hybrid mattresses

    Shop Black Friday deals at Leesa

    The deals [BI EXCLUSIVE]:

    • $160 off a Leesa mattress and a free pillow ($75 value) now through November 26 
    • $235 off a Sapira mattress and a free pillow ($75 value) now through November 26 

    What to buy:

    Read more about Leesa:

    Casper: All the products to give you a better night's sleep

    Shop Black Friday deals at Casper

    The deal: 10% off any order with a mattress with code "COZY10", now through November 26 

    What to buy:

    Read more about Casper: 

    See the rest of the story at Business Insider

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    mars facts mars thumbnail 2x1

    • NASA'sInSight Mars lander will try to land around 3 p.m. ET on Monday, November 26.
    • The robotic probe could be the first Mars mission to measure the "vital signs" of the world and decode its internal structure.
    • From skyscraper-size tsunamis to eerie blue sunsets, here are some surprising facts you may not know about the red planet.

    NASA is about to land InSight: a new $830-million Mars lander that will probe the red planet's secrets like never before.

    InSight lifted off in May and is expected to land on Monday, but it's just one of dozens of robotic and satellite missions that humanity has rocketed to Mars over the decades.

    Read more:Watch live video coverage of NASA's InSight probe landing on Mars

    These spacecraft have beamed back dazzling photos, inspired sci-fi movies like "The Martian", and even helped give Elon Musk, the founder of SpaceX, the idea to colonize the red planet with the Big Falcon Rocket.

    While scientists readily admit they have much to learn about Mars, including the planet's internal structure (a mystery InSight will try to solve), what we have found out so far is incredible.

    Here are 13 fascinating facts about Mars and our robotic exploration of the red planet.

    SEE ALSO: NASA's $830-million Mars mission is about to land. Here's a second-by-second timeline of the InSight probe's treacherous journey to the Martian surface.

    DON'T MISS: Mars colonists will get blasted with radiation levels 8 times higher than government limits — here's what they're up against


    Olympus Mons is more than twice as high as Hawaii's Mauna Loa, the tallest mountain on Earth from top to bottom.


    Compared to the Grand Canyon on Earth, Valles Marineris on Mars is nearly five times deeper, about four times longer, and 20 times wider.

    Mars quakes

    The red planet doesn't have plate tectonics, which is what causes most quakes on Earth. But rising plumes of magma could trigger Mars quakes, as could meteorite impacts and the contraction of the world due to cooling. InSight will listen for them with its seismometer.

    See the rest of the story at Business Insider

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    breast cancer

    • Breast cancer is incredibly common, with one in eight women developing it in their lifetime. 
    • There are certain factors that will increase your risk of developing the disease. 
    • From smoking to genetics, here are 12 things that are tied to breast cancer.

    According to the Centers for Disease Control and Prevention (CDC), breast cancer isthe most common cancer in women. In the US, one in eight women will develop breast cancer during her lifetime.

    Those statistics sound scary. There are actually certain factors, however, that make you more or less likely to develop breast cancer, and many of them are under your control.

    Here are a few things that are actually died to an increased risk of breast cancer.


    The more alcohol you drink, the greater your chances of getting breast cancer.

    Drinking alcohol has been associated witha moderately increased risk of developing breast cancer, as well as other cancers including liver, bowel, and mouth cancer.

    According to Cancer Research UK, the riskgoes up with every additional unit of alcohol you consume per day. The 2015–2020Dietary Guidelines for Americans classify moderate drinking as consuming one drink per day for women and up to two per day for men.   

    You're more at risk of breast cancer if you have dense breasts.

    Dense breasts contain more fibrous tissue and gland tissue than less dense breasts, which have more fat.

    According to the American Cancer Society, having dense breast tissuemakes you more likely to develop breast cancer and can make it much harder to detect cancerous changes using a mammogram. Some research suggests that women with dense breast tissuemay be up to six times more likely to develop breast cancer.

    However, having dense breast tissue is very common and shouldn't stop anyone from continuing to have regular mammograms.  


    Ionizing radiation has been shown to increase cancer risk.

    According to Breast Cancer Care,sources of ionizing radiation such as radiotherapy to the chest area or medical x-rays do increase the risk of developing breast cancer.

    However, there isno solid evidence to support the claim that non-ionizing radiation (e.g. the kind emitted by microwaves and laptop computers) increases the risk of breast cancer.

    See the rest of the story at Business Insider

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    hairflip emoji

    • Emojis were released on Apple iPhones for the first time 10 years ago, in Japan.
    • Now, Emojipedia, a website that keeps track of every emoji, has compared what some of the most popular emojis looked like when they were first released.
    • Emojis are now more diverse and customizable than ever.

    According to Emojipedia, emojis first became available to download — in Japan only at the time — on November 21, 2008, in the Apple app store. By 2015, 92% of the online population used emojis regularly.

    To celebrate the birth of emojis, Emojipedia compared what certain emojis looked like when they were first introduced to the world to what they have developed into today.

    Keep scrolling to see how much your favorite emojis have changed.

    Emojis debuted on iPhones 10 years ago, on November 21, 2008, when Apple released an update that included the brand-new emoji keyboard.

    Emojis have become ingrained into our lives. Whenever Apple announces new emojis, there's inevitably controversy. Even the placement of the cheese on the cheeseburger emoji caused drama.


    Emojis have become so prevalent that they've jumped off our phone screens and into real life. Who hasn't wanted a poop emoji pillow?

    Maybe pool floats are more your style.

    Over the past decade, their designs have become more realistic. The original angel emoji didn't even have a nose or ears.

    The Unicode Consortium, the non-profit that oversees emojis, has attempted to make emojis as inclusive as possible. All emojis started out as either white or yellow. Now, there are multiple skin colors available, plus the standard yellow.

    See the rest of the story at Business Insider

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    mejuri black friday

    • Online jewelry startup Mejuri rarely discounts its products. Black Friday and Cyber Monday are exceptions. 
    • The more pieces you buy, the more you save. The sale is 10% off one item, 15% off two items, and 20% off three items or more. 
    • The sale runs November 23 through November 26. 
    • To potentially save more on Black Friday, you can visit Business Insider Coupons to find up-to-date promo codes for a range of online stores.

    While you may be laser-focused on grabbing a tech deal on Black Friday (not that we blame you — there are going to be some great ones), now is also the time to take advantage of rare savings at smaller brands. 

    We wear and talk about one such startup, online jewelry company Mejuri, quite often. The prices are generally already palatable since it's a direct-to-consumer brand, with 14k gold hoops  for $150 and 14k gold stacking rings from $69, but you'll be able to save even more during Black Friday and Cyber Monday

    You'll have more than a few opportunities to shop Mejuri's sale, which gets you 10% off one item, 15% off two items, and 20% off three items or more. 

    The sale runs from November 23 through November 26. 

    The tiered discount design is the perfect incentive to buy a few beautiful jewelry gifts for yourself and your friends or partner. Mejuri's style can best be described as everyday versatility, but its pieces never get lost in the crowd thanks to thoughtful details and eye-catching shapes. Whoever you buy the gift for, they'll love how easy the jewelry is to wear. 

    You could even use the opportunity to pick out an engagement ring or wedding band. 'Tis the season, right? 

    Below are some of our favorite Mejuri pieces at the moment, or you can shop the sale directly here.

    Looking for more deals? We've rounded up the best Black Friday and Cyber Monday deals on the internet.

    Mini Lotus Bracelet

    Mini Lotus Bracelet, $152.10 (originally $169) [You save $16.90] 

    Safety Pin Earrings

    Safety Pin Earrings, $144 (originally $160) [You save $16] 

    Honey Edition Signet

    Honey Edition Signet, $45 (originally $50) [You save $5] 


    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.

    DNA Testing 23andMe

    By nature, Black Friday is a day that's very much about materialism. Consumers flood stores and online sites in search of deals on tech, men's fashionwomen's fashion, mattresses, and more. But if you'd prefer to spend your money on experiences or learning opportunities, a DNA kit might be the perfect way to do so.

    If you've ever been interested in understanding more about your ancestry or family history, right now is the best time to get a DNA kit as many of the best ones are discounted for Black Friday. (Might we add, they also make great holiday gifts for friends and family!)

    Brands like 23andMe, AncestryDNA, and Vitagene all make easy-to-use at-home kits that can provide results in a matter of weeks. In addition to your family history, certain kits can assess your health, provide useful insight to improve your fitness, or track down historical relatives.

    While many tests unveil similar data, there are key differences between each one. Check them out below and compare deal prices.

    Looking for more deals? We've rounded up the best Black Friday and Cyber Monday deals on the internet.


    $49 (Originally $99) [You save $50]

    With over 1 billion family connections, AncestryDNA is the best-selling DNA test you can buy. The service helps you discover the people and places that made you who you are by tapping into 350 regions across the world — two times more than the next leading competitor.

    The current price is the lowest it's ever been (and possibly ever will be). 


    $99.99 (Originally $199), available on Amazon [You save $99.01]

    Save up to $70 on DNA kits at

    The 23andMe kit is one of the most in-depth at-home DNA tests you can take. Not only will it break down your ancestry, but it will also discover your genetic health risks for diseases like Parkinson's or Alzheimer's, carrier traits for diseases like Cystic Fibrosis and Sickle Cell, report on your wellness with details like sleep patterns and lactose intolerance, and other genetic traits. If you're only interested in learning your ancestry you can buy the genetics kit for half off.

    National Geographic Geno 2.0

    $55.99 (Originally $99.99), available on Amazon [You save $44]

    The National Geographic Geno 2.0 Next Generation provides a breakdown of your regional ancestry by percentage, going back as 500,000 years. Once your DNA sample is submitted and processed, you can access the data via the Geno 2.0 smartphone app, where an easy-to-understand video walks you through your ancestry. You'll learn about which historical relatives you could be related to.


    See the rest of the story at Business Insider

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    camp fire smoke on the road

    On Black Friday, as many Americans were shopping or spending time with family, the Trump administration published a major report on climate change.

    The findings are dire.

    Average temperatures could rise by up to 11 degrees Fahrenheit by the end of the century in a worst-case scenario. We could see as much as 6 feet of sea-level rise. And the price tag associated with deaths from extreme temperatures could reach $140 billion if we continue business-as-usual.

    The study, called the "National Climate Assessment," is the fourth in an ongoing series mandated by a 1990 law. It looks at how climate change is affecting the US now and what the country might look like by the end of the century. Hundreds of scientists and other experts from academia, government, nonprofits, and the private sector help write and review it, a process that takes years.

    Thanks to advances in climate science, this latest version gets specific about how various regions of the US will be impacted differently, which economic sectors will take the hardest hit, and how healthcare costs will rise as diseases spread and air quality worsens.

    Here are the most important and scary takeaways from the report.

    SEE ALSO: The Trump administration released a dire new report on climate change that predicts hundreds of billions of dollars in economic losses

    Yes, humans are responsible for the planet's changing climate. No hoaxes here.

    Although this is far from new information, the report reiterates that the evidence of human-caused climate change is overwhelming.

    “The unambiguous long-term warming trend in global average temperature over the last century cannot be explained by natural factors alone. Greenhouse-gas emissions from human activities are the only factors that can account for the observed warming," it says.

    The US's average temperature has already risen about 1.8 degrees Fahrenheit since 1900. An additional 2.5 degrees is inevitable by 2050, and temperatures could rise as much as 11 degrees by 2100 if we continue business-as-usual.

    Already, 16 of the last 17 years have been the warmest on record, globally.

    By 2100, the southwest region of the US could see 45 more days per year above 90 degrees Fahrenheit. 


    That heat is fatal.

    Heat waves are responsible for more deaths in the US every year than the combined effects of hurricanes, lightning, tornadoes, earthquakes, and floods.

    By the end of the century, extreme hot and extreme cold temperatures in 49 US cities are projected to result in more than 9,000 additional premature deaths per year (if emissions continue to stay high).

    Some of the largest increases in heat-related mortality would occur in the Northeast — that region could see an additional 50-100 heat-related deaths annually per million people by 2050.

    The price tag associated with deaths from extreme temperatures could be up to $140 billion in 2090, the report calculates.

    See the rest of the story at Business Insider

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    black friday banner

    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.


    Some of the best deals you'll find on Black Friday are on big-ticket items — think mattresses, televisions, and other expensive tech. But sometimes, it's the little things that really matter — and these Black Friday deals are no exception. 

    If you don't need a new mattress or don't want to buy any pricey new electronics, you're in the right spot. We searched the web for some of the best affordable deals of the day. Ranging from quirky holiday gifts to practical kitchen gagdets, we've covered all the bases. Whether you're shopping for yourself or someone else, we think you'll find something you love — and can get for $25 or less.

    Looking for more deals? We've rounded up the best Black Friday and Cyber Monday deals on the internet.

    To potentially save more on Black Friday and Cyber Monday, you can visit Business Insider Coupons to find up-to-date promo codes for a range of online stores.

    Sure, Black Friday tech deals tend to mean big savings on large devices like TVs— but sometimes they also mean smaller savings on the little gadgets you use everyday. From a smart note pad to a wireless charger, we can bet you'll find something good (and useful) in this list.

    We love a good sale, especially one that involves discounts on clothing we'd already be buying anyway. Save on basics like socks and T-shirts, or find deals on cozy pajama pants you otherwise wouldn't commit $48 to buying at full price.

    We've been seeing major discounts at some of our favorite startups this Black Friday, including plenty of men's fashion startups that rarely have deals. We rounded up our favorite men's clothing sales going on here, but these are a few of the exceptionally affordable standout deals. 

    See the rest of the story at Business Insider

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    iPhone XR

    • Now that Apple's new iPhones are out, there's a bigger difference than ever between the older devices and the new ones. 
    • That means that if you own an iPhone 6S or older, it's probably time to start thinking about upgrading.
    • There are five key reasons why you should upgrade, including battery life, performance, design, and the camera. 

    Anyone who owns an iPhone 6S or older, it's time: you probably need to buy a new phone. 

    It's not an emergency, of course. It can wait until the end of your phone contract, or the holidays, or whenever you get a nice little bonus at work. 

    But when the time comes, don't put it off. 

    That's because in 2018, the new phones are finally a big enough upgrade from the old device that you'll feel a noticeable difference in your quality of life. 

    So if you have an iPhone 5, 5S, 6, or 6S — or even if you're holding on to a practically ancient iPhone 4 or 4S — here are the 5 reasons why you should upgrade to a new iPhone. 

    SEE ALSO: The iPhone XS Max is an absolutely gorgeous phone, but it proves that bigger isn't always better

    1. The battery life

    If you have an iPhone that's a few years old, I don't need to tell you how terrible your battery life is. 

    I use an iPhone 6S, and at this point, it's hard to get to 5 PM on a single charge — I almost always recharge my phone in the middle of the day. And a few weekends ago when it got really chilly outside, my phone started doing that fun thing where it shuts itself off, even with 30% battery left, because the outside temperature is too low. 

    I've only had my phone for not-quite-two-years, so I can't imagine how grim the battery life is for anyone with an older phone. 

    When you look at the battery life on any of the three new iPhones Apple unveiled this fall, it feels almost luxurious:

    • The iPhone XS gets 14 hours of video playback, 12 hours of internet use, and 20 hours of talk time
    • The iPhone XS Max gets 15 hours of video playback, 13 hours of internet use, and 25 hours of talk time
    • The iPhone XR gets 16 hours of video playback, 15 hours of internet use, and 25 hours of talk time

    2. The camera

    Even last year, there was almost no major, noticeable difference between the camera on the 3-year-old iPhone 6S and the one on the new iPhone 8. 

    But this year, the cameras on the new phones are miles ahead of the cameras on older devices.

    Here's a photo of the same place, shot almost side by side. The image on the left was taken with my iPhone 6S, while the image on the right was taken with the new iPhone XR:

    Pretty big difference, right?

    That's because Apple has added a bunch of upgrades to its recent iPhones, including better low-light performance and a new feature called Smart HDR, which automatically blends together the best parts of separate exposures into one photo.

    3. The performance

    If you're using a 3-year-old — or 4-year-old, or 5-year-old — iPhone, that means you're also using a years-old chip. 

    Say you're using the iPhone 6S, like I am. Your device has the A9 chip, which at the time, was top-of-the-line. But these days, Apple's new phones come with an A12 Bionic chip, which Apple promises will give the devices speed and fluidity, the ability to experience augmented reality, and nice-to-have features like depth control when you're using portrait mode (if you use an older iPhone, your device doesn't even have portrait mode).

    What this means in your day-to-day life is that your phone doesn't open apps as quickly as it should, it doesn't switch between pages very fluidly, it's slow to do things like delete emails or send a picture to someone, and it just all around makes your day a little bit slower. 

    A new phone like the iPhone XS or the iPhone XR would solve some of those issues. 

    See the rest of the story at Business Insider

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    google glass

    • When a company tried as many crazy new ideas as Google, there are bound to be a few epic fails along the way. 
    • From Google Offers to Google Answers, we've compiled the 14 biggest product flops in Google history.

    No company has a perfect track record when it comes to product launches. But when a company takes as many swings at new ideas as Google, there are bound to be some epic fails along the way. 

    It seems that for every product as successful as Google Docs, there's a flop as bad as Google Buzz.

    Some of these flops lingered for years. Some for months. One lasted for a single day. 

    Here are the 14 biggest product flops in Google history: 

    14. Google Offers

    Lifespan: 2011 – 2014

    What it did: Google Offers launched during the daily-deals heyday of Groupon and Living Social. As the trend died down, so too did Google Offers. 

    13. Google Web Accelerator

    Lifespan: 2005 – 2008

    What it did: Google Web Accelerator was meant to help users browse faster by speeding up page load times. The product, however, was riddled with bugs, including YouTube videos not being able to load. The company stopped supporting Accelerator in 2008.

    12. Google Video

    Lifespan: 2005 - 2009

    What it did: With YouTube building in momentum around 2005, Google decided to launch its own free video hosting platform — Google Video. About a year later, as Google Video failed to gain traction, the search giant simply bought YouTube for $1.65 billion. As of May 2018, YouTube had over 1.8 billion active users per month. 

    See the rest of the story at Business Insider

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    carlos ghosn

    Last week, the auto industry was rocked to its core when legendary executive Carlos Ghosn was arrested in Japan.

    Ghosn, 64, was chairman and CEO of Renault, chairman of Nissan, chairman of Mitsubishi, and the architect of a tripartite alliance that in 2017 was the world's biggest automaker by sales.

    Ghosn was a celebrity CEO, a Brazilian-born leader of Lebanese descent who came of age in France. In the early 2000s, Ghosn took charge at the newly formed Renault-Nissan alliance and steered the two automakers toward revival and global dominance, competing in numerous markets and challenging General Motors, Toyota, and Volkswagen.

    He was feted in Japan, where, as an outsider, he broke into that country's insular auto industry. As with the late Fiat Chrysler Automobiles CEO Sergio Marchionne, his every utterance was closely followed on the worldwide car circuit. He was wildly successful, risk-taking, borderline arrogant and at-times despotic, but also considered incredibly wise.

    Following his arrest, Nissan revealed that it has passed along a whistleblower tip to the Japanese authorities, leading to allegations that Ghosn had been detained in Japan due to financial misdeeds and fraud. Auto executives have fallen before, but none were as big as Ghosn, and none had enjoyed such long careers at the top.

    Lacking official charges — Japan can hold Ghosn for 20 days before any sort of indictment — plenty of theories have developed about what he actually did or didn't do. Here's a roundup:

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    Ghosn did everything he's been accused of.

    Ghosn's career has spanned decades, and through all those years, his swaggering and at-times entitled corporate behavior has been observed. Prior to Tesla CEO Elon Musk's arrival on the scene, Ghosn was the undisputed top-dog, rockstar automotive leader. And he acted like he knew it.

    Anybody who has seen the 1970 Oscar-winning film "Patton" knows the famous speech that George C. Scott, portraying the American World War II general, delivers toward the conclusion:

    For over a thousand years Roman conquerors returning from the wars enjoyed the honor of triumph, a tumultuous parade. In the procession came trumpeteers, musicians and strange animals from conquered territories, together with carts laden with treasure and captured armaments. The conquerors rode in a triumphal chariot, the dazed prisoners walking in chains before him. Sometimes his children robed in white stood with him in the chariot or rode the trace horses. A slave stood behind the conqueror holding a golden crown and whispering in his ear a warning: that all glory is fleeting.

    Ghosn, as Nissan's CEO and later as its chairman, might have had some lieutenants whispering in his ear, but more like he had yes-men signing off on his pronouncements. 

    Ten years ago, the arrangement made sense. Ghosn had yoked together Renault and Nissan in an alliance that against the odds benefitted both automakers. Japan and France were pleased. But more recently, as Ghosn stepped down as Nissan's CEO, cracks were showing. He had gotten into fights with the French government, which controls 15% of Renault, over his compensation. His pay was also controversial in Japan, where he was an outsider who made far more than his Japanese counterparts at other major car companies.

    Ghosn perhaps didn't care, because he was still paid less than other CEOs. But was he still worth it? Adding Mitsubishi to the alliance gave the triumvirate additional scale, but the troubled automaker wasn't likely to add much to the alliance's North American business, where Nissan had been clinging to market share by burning profits through discounts of slow-selling models.

    Ghosn's magic touch seemed to be fading. The spell he had long cast was breaking. And perhaps that meant closer scrutiny of how he was running a far-flung global business.

    An "investigation" by Japanese authorities "showed that over many years both Ghosn and [board member Greg] Kelly have been reporting compensation amounts in the Tokyo Stock Exchange securities report that were less than the actual amount, in order to reduce the disclosed amount of Carlos Ghosn's compensation," Nissan said in a statement last week, after Ghosn was detained in Japan.

    "Also, in regards to Ghosn, numerous other significant acts of misconduct have been uncovered, such as personal use of company assets, and Kelly's deep involvement has also been confirmed."

    Obviously, these are still allegations, and because of Japanese law, Ghosn can be detained for weeks without being charged. The worst-case scenario, of course, is that he's completely guilty, in which case his fall would be unprecedented in the history of the industry. 

    The palace coup theory.

    This one gained traction early, given that neither Renault nor the French government was apparently briefed before Ghosn and Kelly were arrested.

    The theory is that Ghosn stepped down as Nissan CEO ostensibly to focus on fixing Mitsubishi, but that he continued to exercise CEO-level authority and might have been trying to engineer a full merger of Nissan and Renault.

    That move could have angered Nissan, where some executives dislike that the French half of the alliance contributes far less financially than the Japanese part. Japan Inc., as the country's consolidated business world and auto sector is sometimes called, could have concluded that it was time for Ghosn to be pushed into retirement. 

    Business hasn't been bad  — the alliance led the world in sales in 2017 — so it would have been difficult to oust Ghosn on that basis. So in effect, he was taken out in the corporate world's version of a "Game of Thrones" move: completely ruined reputationally and humiliated before the audience that had formerly followed him as though he were godlike in his powers.

    Ghosn had been doing everything he was accused, but Nissan always looked the other way.

    I've been leaning toward this theory, as details of Ghosn's alleged malfeasance have trickled out. His pay packages were complicated because he was being compensated by two entities in Nissan and Renault, and later three when Mitsubishi came on. Like a lot of globetrotting CEOs, he made copious use of private jets. he lived in multiple properties on several continents. He had perks on top of perks on top of perks.

    All well and good for a few decades, and you get used to the companies you run relaxing the ethical standards. (It's much more difficult to figure our how Ghosn managed to hide millions in underreported compensation — reportedly almost $45 million — and it's also unclear how much of the funds at issue might have been tax dodges.)

    But when the bottom falls out this fast, nothing is forgiven. And reports that have emerged since Nissan ousted Ghosn as chairman last week indicated that he was pushing his luck, by among other things retaining his sister as a longtime consultant.

    See the rest of the story at Business Insider

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    Camaro SS

    • The Ford  Mustang GT and the Chevy Camaro SS are two of the USA's most famous muscle cars, but both icons have been updated for the modern world.
    • I drove both and was impressed with the staying power of their old-school V8 engines — but also the new technologies that Chevy and Ford have deployed.
    • Ultimately, I preferred the wilder Mustang GT, but the Chevy Camaro SS might be easier for some drivers to live with day-to-day.

    Muscle cars are often characterized as uncompromising, given that these all-American machines are designed to serve up serious speed in a straight line.

    But the truth is that for much of their multi-decade reign on the roads of the USA, that speed has been crude. Loud and proud, but if you asked a muscle car to gracefully negotiate a corner, well ... you'd have been far better off with a Porsche.

    That's all been changing in the 21st century, however. With the Mustang and the Camaro, Ford and Chevy have engineered hybrids of a muscle car and a sports car. OK, they can't quite do it all, and if you want a car that's brilliant in the curves, German might still be your best bet. But Porsches and BMWs ain't cheap. Mustangs and Camaros aren't, either, but their price tags are many thousands below European coupés that match up on horsepower. 

    Over the past year, I was lucky enough to be flipped the keys to both a Mustang GT and a Camaro SS, both rocking potent V8 engines, and outfitted in flashy colors. So did I favor the bright yellow 'Stang or the hot orange Camaro SS?

    Read on to find out.


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    Let's start with the Mustang GT. I sampled the 2018 re-fresh of the new 'Stang, which was rolled out in 2015. It was late 2017, and the setting was sunny Los Angeles.

    Read the review.

    The GT starts at about $35,000, but my options-packed test car was closer to $50,000. The yellow paint job definitely stood out, even in LA, land of flamboyant automobiles.

    The Mustang looks good. Updates aren't radical: the front and back end have been made more sleek. The overall effect is to continue presenting the Stang, after over five decades, as a sports car with global appeal, versus a stonking old American muscle car.

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    trader point animated screen

    • Firms across Wall Street are forecasting an economic slowdown and diminishing equity returns in 2019, two things that would make life difficult for stock pickers.
    • Goldman Sachs says investors would be advised to seek out high-quality companies, since they're best equipped to withstand these types of headwinds.
    • The firm has identified the 18 highest-quality companies it says are poised to outperform when the going gets tough in 2019.

    When the going gets tough, the cream rises to the top.

    This has been said of all aspects of life, and Goldman Sachs says it unequivocally applies to the stock market as it stands right now.

    And some reassurance is surely needed at the moment as firms across Wall Street warn of an impending economic slowdown and evaporating stock market returns as soon as next year.

    Fear not, says Goldman, which has a strategy tailor-made for such conditions: Buy high-quality companies early and often.

    While buying shares of good companies may seem glaringly obvious, it hasn't actually been the most effective strategy through much of the nearly 10-year bull market. During the prolonged stretch in which interest rates were near zero — which allowed even companies with the weakest balance sheets to tap capital markets — low-quality firms were actually the more enticing prospect.

    Now that interest rates are rising, siphoning off the easy supply of capital so many companies used to their advantage, quality is back in vogue. This is especially true since economic growth is also expected to slow, and the market as a whole will be at increased risk of sudden shocks, Goldman says.

    With that established, what actually qualifies as a high-quality company? Goldman narrows it down to five key factors: strong balance sheets, stable sales growth, low deviation in operating income, low stock drawdown risk, and return-on-equity that exceeds peers'.

    Goldman combines these into a so-called quality score. Here are the 18 stocks screened by the firm that have the highest ratings. Goldman's scale goes from zero to 100, and the firms are listed in increasing order of quality.

    18. Universal Health Services

    Ticker: UHS

    Industry: Healthcare

    Market cap: $11 billion

    Quality score: 85

    Source: Goldman Sachs

    17. American Tower

    Ticker: AMT

    Industry: Real estate

    Market cap: $72 billion

    Quality score: 85

    Source: Goldman Sachs

    16. Comcast

    Ticker: CMCSA

    Industry: Communication services

    Market cap: $176 billion

    Quality score: 89

    Source: Goldman Sachs

    See the rest of the story at Business Insider

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