The future of mobile is being redefined. The smartphone and tablet markets are nearing saturation. The days of heady hardware growth are long gone.

Mobile growth is moving into media, advertising, software, and services. Meanwhile, new devices are expanding the meaning of "mobile."

BI Intelligence has created a slideshow that highlights the new markets growing up around the multiscreen consumer.  

1. Mobile Commerce

2. Mobile Advertising

3. Mobile Apps

4. Emerging Devices And Platforms

5. Mobile Payments And Banking

6. Mobile Health 

Only BI Intelligence subscribers can download the individual charts and datasets in Excel, along with the PowerPoint and PDF versions of this deck. Please sign up for a membership here. BI Intelligence is a research and analysis service focused on mobile computing, digital media, payments, e-commerce, and the Internet of Things. 

Morgan Stanley believes that the current economic recovery could be the longest ever, probably lasting through 2020.

In September, strategist Adam Parker said the S&P 500 could peak near 3,000 during this cycle. 

In a recent note to clients, Morgan Stanley analysts identified 45 stocks that could work with the long-term recovery in mind.

"Given the extremely long time horizon, we were agnostic about current valuation, focusing instead on fundamental business models," they wrote.

"Starting from a list of over 100 equities highlighted by our analysts, we focused on stocks rated Overweight or Equal-weight in the context of the 12-month time horizon contemplated by Morgan Stanley’s stock-rating system," the analysts wrote. "We also examined each stock through the prism of our US Equity Strategy team’s quantitative stock-selection model, BEST, which ranks over 1,000 US stocks by their expected market-relative performance on a 24-month horizon."

Most of the stocks are in financials, industrials and energy, which Morgan Stanley said typically perform in tandem with the economic cycle.

Alcoa

Ticker: AA

Primary Industry: Metals & Mining

Price Target: $20

2015 Price to Earnings: 14.6

Comment: "We are Overweight on AA because we believe Alcoa’s upstream business has bottomed and margins should expand, driven by both higher pricing (stronger supply-demand fundamentals for key commodities) and lower costs (production cuts at high-cost facilities and start-up of low-cost operations)," wrote Morgan Stanley's Paretosh Misra.

Source: Morgan Stanley

Ally Financial

Ticker: ALLY

Primary Industry: Banking & Financial Services

Price Target: $30

2015 Price to Earnings: 11.0

Comment: "In an extended economic upcycle, we would expect “stronger-for-longer” job growth to drive a bull case outlook for auto originations, credit, and lease economics," wrote Morgan Stanley's Betsy Graseck.

Source: Morgan Stanley

American Express

Ticker: AXP

Primary Industry: Banking & Financial Services

Price Target: $110

2015 Price to Earnings: 15.3

Comment: "The vast majority (80%) of AXP’s value is driven by spend, and in a longer-than-expected economic upcycle, we would expect spend to accelerate from the current 9% level to 12%,"wrote Morgan Stanley's Betsy Graseck. "Higher spend should drive up Amex’s revenue growth from 5% up to 8%-plus." 

Source: Morgan Stanley

When moving into a new place, the bathroom is likely the last room you focus on.

But it's probably the most important when it comes to making a bachelor pad feel like home.

To help guys out, we've rounded up 15 accessories and essentials that every gentleman should have in his bathroom.

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Seeing our planet from above can completely change your view of the world.

Aerial photography offers a new vantage point, and helps show the spectacular beauty of our planet as well as the impact we've had on it.

Reuters has rounded up the best bird’s eye view images taken by astronauts, satellites, helicopters, and passenger planes. 

From the Amazon Rainforest to the jagged coastline of Big Sur, these pictures will blow you away. 

Ha Long Bay in Vietnam is seen from a seaplane in September 2014. Halong translates as "where the dragon descends into the sea," and the bay has over 2,000 islands.

Mount Fuji, the highest mountain in Japan, is captured from above. Mount Fuji has an exceptionally symmetrical cone, which is covered in snow for several months of the year.

Landsat 8 satellite captured an image of Egmont National Park in New Zealand with Mount Taranaki at its center. The island is surrounded by once-forested pasture lands, and is now a protected area.

In the 1990s, sculptor Matt McMullen designed a mannequin to give clothing stores something more flexible and attractive than your standard mall dummy. 

McMullen, who was documenting his progress on his website, started getting emails from people who weren't looking to use the dolls as retail accessories, but in their personal lives, asking if they were “anatomically correct.”

At the time, they weren’t. But McMullen recognized a growing market of customers and adjusted his mannequins to fit his new customers’ desires. The RealDoll was born. 

Today, McMullen’s company, Abyss Creation (NSFW), sells around 400 dolls per year. They're often referred to as "sex dolls," although they are not always used for sex.

Photographer Benita Marcussen recently met with a number of doll owners to understand the strange obsession. She found that doll owners tend to be extremely protective of their dolls, treating them with respect reserved for lovers, friends or cherished possessions. 

Marcussen's work was recently featured by Vocativ, but she has shared a number of the photos with us here.

The community of “real doll” enthusiasts is large and growing. DollForum.com, a network connecting aspiring and active doll owners, has over 40,000 users. The users can share experiences and pictures of their dolls or buy and sell new and used dolls.

Source: Doll Forum (NSFW)

Everard, shown here, owns a total of eight bodies, plus four extra faces. He has collected dolls for years. Like many doll owners, he is meticulous about his plastic friends, dressing them up with clothes, accessories, and makeup, and often treating them like “goddesses” and lovers.

Everard likes to take Rebekka and June to his backyard for photo shoots. His neighbors tend to go inside when he brings the dolls out. He has had only one relationship with a real woman and says that he has difficulties understanding them.

Before the modern jumbo jet and its first class suites, the biggest and grandest thing in luxury air travel was the German Zeppelin Airship.

Of all the massive Zeppelin's constructed, the most famous was the Hindenburg. The Hindenburg was designed to ferry passengers across the Atlantic in serenity, with the dirigible floating smoothly through the clouds.  

The Hindenburg was the first of two "Hindenburg" Class airships constructed by the Zeppelin Company. Construction of the airship began in 1931 and was completed in 1936. The Hindenburg, along with its highly successful predecessor, the Graf Zeppelin, made numerous trans-Atlantic crossings in their brief but illustrious careers.

Constructed out of an aluminum alloy called duralumin, the Hindenburg's massive frame work was filled with 7 tons of hydrogen. Hydrogen is much lighter than air, and allows the massive Zeppelin to carry more people in greater levels of luxury. However, with an ignition source, an oxidizer, and right concentration, hydrogen can also be incredibly flammable.

The Hindenburg entered passenger service in May of 1936 and carrier up 50 passengers in luxury across the Atlantic.

The legend of the Hindenburg's luxurious amenities are well know, but most have not seen them in living color. So take the opportunity to check out these wonderful photos of the Zeppelin's passengers spaces courtesy of airships.net and the German Federal Archive. 

Prior to the age of the airliner, Zeppelin airships ruled the skies over the north Atlantic — connecting cities like New York with Western Europe. Zeppelin's fleet of airships included such colossal creations like the Graf Zeppelin and the Hindenburg (seen here) along with the less famous Graf Zeppelin II.

In fact, here's a photo of Business Insider's world headquarters taken from the Graf Zeppelin in 1929.

The most well known of the Zeppelin airships was named after former German President Field Marshal Paul von Hindenburg.

Winter is coming, but is your footwear up to snuff?

You shouldn't be trudging through the impending snow with your canvas sneakers or suede footwear. In fact, suede, leather soles, and desert boots should all be in storage for the long, cold, and wet months ahead.

Instead, break out the rubberized boots and Vibram outsoles. Keep reading to see the only boots heavy duty enough for the ice and snow.

1. Semi-dressy work boots

These are the boots you'll want to wear when it's iffy outside, but you still want to look nice. Modeled after work boot styles from last century, these will last you miles and miles.

What really separates these from the typical boot is that they don't have a leather sole, which you commonly see with Chelsea boots and some brogue styles. Leather soles are awful for winter because they provide zero traction and soak up water.

Instead, these boots have rubberized Danite soles and neocork rubber hybrids, which provide much more traction.

On the expensive end of the spectrum, there's the Viberg's Service Boot — they have a Danite sole and a very unique, slimmer profile. A little lower than that price point are favorites like Alden's classic Indy boot with it's neocork sole and unique toe stitching. The best value (and lowest price) is Chippewa's Original Plain Toe Boots with a Vibram sole and classic work boot good looks.

2. Boots with lugged soles

When the weather gets a little rougher outside, you're going to need a tougher boot. Boots with lugged soles are built to keep you from slipping on the ice and snow. 

They often come in work or hiking boot styles, which may not be acceptable for your work place, but are always appropriate for your commute.

We recommend the Danner Mountain Light II, which has a hiking boot style, and the Red Wing Beckman, which is a revival of a classic work boot. Both have a long heritage of bulletproof quality boots behind them and are equipped with rubber lugged soles, providing optimal traction in the ice and snow. 

3. All-weather duck boots

For trekking in the tundra, there's no boot better suited to the task than the classic duck boot. The rubberized sole and tough, full grain leather uppers provide full protection from the wet and icy wilderness. These are the boots you need to wear when heavy snow is in the forecast.

The go-to duck boot choice is the L.L. Bean Bean Boot, which invented the category way back in 1912. L.L. Bean still makes them and they're still handcrafted in the company's Maine facility.

Many have attempted to copy the L.L. Bean design, and some have even comes close. The Sorel Cheyenne Lace Up Boots are a good alternative thanks to their soft inner lining (the Bean Boots don't have a lining, but they do offer a lined version $189).

SEE ALSO: The Right Men's Shoes For Every Type Of Pants

DON'T FORGET: Follow Business Insider's The Life on Facebook!

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When deciding on a college major, students are encouraged to think about a few things: what they love to do; what they want to do; what jobs they imagine themselves in; and what the earning and growth potential is like for those careers.

For instance, they would probably want to know ahead of time that human services majors see their annual pay increase by only about $7,500, or 22%, over the first 10 years of their careers, compared with the average American worker, whose salary grows by about $25,000, or 60%, in that time.

That's according to Payscale, the creator of the world's largest compensation database with more than 40 million salary profiles. It recently looked at the difference between starting (less than five years of experience) and mid-career (10 or more years of experience) pay by college major, and it determined the 13 majors with the smallest salary growth.

"We're not trying to discourage students from pursuing these majors — we're simply offering information so that students can make informed choices and get the most out of their degree, whatever major they choose," says Kayla Hill, a research analyst at Payscale.

Among the majors, child development has the lowest starting salary ($32,200) and mid-career pay ($36,400) while showing the least amount of growth in the first 10 years ($4,200, or 13%).

"Human support service majors tend to be paid less across the board," Hill says. "Child development workers in particular may see less growth over time because it is a field that tends to be undervalued by society. Additionally, childcare workers may not have the same opportunities for advancement as more technical jobs, where learning new skills can lead to a pay bump or promotion." 

Human services majors had the second-lowest salary growth between starting and mid-career, while early childhood and elementary education had the third-smallest.

"People in support service jobs tend to find a high level of meaning from their jobs despite the lower pay," Hill says. "For many of these workers, the satisfaction and fulfillment they receive from helping others outweighs the lack of pay growth."

13. Theology

Common job: Chaplain 

Starting median pay: $36,800

Mid-career median pay: $51,600

Difference: $14,800 / 40%

12. Social Work

Common jobs: Mental health therapist; social worker; nonprofit program manager 

Starting median pay: $32,800

Mid-career median pay: $46,600

Difference: $13,800 / 42%

11. Nutrition

Common jobs: Nutritionist; dietitian 

Starting median pay: $41,700

Mid-career median pay: $56,400

Difference: $14,700 / 35%

With Thanksgiving around the corner, we're about to enter the busiest shopping season of the year. 

But you don't have to wait until Black Friday to get started. 

The market research company Terapeak helped us round up some of the strangest Thanksgiving-themed things people are selling on eBay. 

There's a startling number of different turkey costume options on eBay, but this one is probably our favorite.

Buy it here. 

If that's not cute enough for you, you could be a sexy pilgrim.

Buy it here. 

If a full costume is too extreme, you can get a simple turkey hat:

Buy it here. 

Boatmen in India, brick makers in Peru, and fishermen in the United Arab Emirates — these are just a few of the low-income entrepreneurs who make developing countries run.

While their income doesn't always factor into the GDP, they undoubtedly contribute to the world economy. These business owners are also the ones who stand to benefit the most from microfinance, the practice of lending small amounts of money at low interest rates to those in the developing world.

It also encompasses those organizations working to improve business owners access to banks, loans, credit, and insurance.

Every year, the Consultative Group To Assist The Poor (CGAP) hosts a photo contest asking entrants to submit photos based around the idea of microfinance. The purpose of the contest is to give amateur and professional photographers a chance to show the different ways that poor households make their lives better through financial inclusion. 

Housed at the World Bank, CGAP is an advocacy group that works with development agencies, foundations, and national governments to advance the lives of the poor by improving their access to microfinance. CGAP has just announced the winners to its 2014 photo contest. CGAP shared a selection of the winners with us here, but you can learn more about their organization here.

GRAND PRIZE: This cormorant fisherman uses trained birds to fish in the river for him. He is also a local tour guide.

SECOND PRIZE: This old man maintains a gramophone repair shop in the Grand Bazaar in Istanbul. He earns a decent living.

THIRD PRIZE: This woman helps harvest on a farm in Tanzania. The farm is partly funded by the One Acre Fund, which helps small farmers grow their way out of poverty with training and financing.

Ben Horowitz, the co-founder and general partner of Andreessen Horowitz, is one of the most experienced tech leaders in Silicon Valley.

He played a major role in creating Netscape in the 90s, and was the CEO of Opsware, a company that was later sold to HP for $1.6 billion in 2003.

His VC firm Andreessen Horowitz has invested in some of the hottest startups, including Facebook, Twitter, Airbnb, and Lyft. 

With so much experience, Horowitz has many interesting stories to tell, which he often shares through his personal blog. He even published a book titled, “The Hard Thing About Hard Things,” based on his own experience.

Last week, Horowitz spoke at Stanford for “How to Start a Startup,” a course run by Y Combinator’s Sam Altman, and explained the importance of having “one management concept.”

We pulled out some of the slides from Horowitz’s presentation and put together his advice on how to deal with employee demotion and what to do when someone asks for a raise.

“This management concept is the thing I see CEOs mess up more consistently than anything else…It’s the easiest thing to say and the most difficult to master.”

“When making critical decisions, you have to be able to see the decisions through the eyes of the company as a whole…Otherwise, your management decisions could have potentially dangerous consequences.”

For example: How do you whether to demote or fire someone?

Some studies say you've only got 15 seconds to grab an audience's attention, while others say it's closer to a minute.

Either way, the clock is ticking. As soon as you step in front of a group of people to start a presentation, you have a very small window of time to persuade them that what you have to say is worth listening to.

To help you keep your audience alert and interested, the experts at Big Fish Presentations in Baton Rouge, Louisiana, have prepared a presentation on the best ways to start your next talk.

We've published the slides here with Big Fish's permission.

America's been called a lot of things: beautiful, majestic, wild, and great. It's all those and more.

Whether you're driving down the Pacific Coast Highway, whale watching in Cape Cod, or waiting for Old Faithful to erupt in Yellowstone National Park, the United States is full of incredible surprises.

From the east coast to the west and everywhere in between, we've found 50 trips everyone should take in the United States. 

Hike along a section of the Appalachian Trail.

View cutting-edge art at Art Basel Miami Beach.

Wait for Old Faithful to erupt in Wyoming's Yellowstone National Park.

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Brittany Powell knows what it's like to be in debt.

After losing work during the 2008 financial crisis, the San-Francisco based photographer owed about $30,000 to the credit card companies she had used to keep her afloat.

"I had to put groceries on my credit card so I could pay my rent," she remembers. "All of my cash flow going to debt became this really stressful kind of juggling situation. It was definitely a really awful time in my life."

Powell filed for bankruptcy in 2012.

"Filing was a big deal because as soon as it was over with, I realized that debt is this really abstract thing," she recalls. "How you perceive it changes how it works. I had so much shame and stress associated with it, and all of that went away."

As Powell started researching how debt works in the US, she quickly realized she wasn't the only one who had experienced its crushing weight. In fact, Americans altogether owe about $880 billion in credit card debt, with the average indebted household owing over $15,000.

This realization sparked her to embark on a multimedia photography project creating portraits of people in different kinds of debt across the US, interviewing them about how that obligation affects them on a day to day basis and how it makes them feel. So far, she's photographed 32 people around San Francisco, Portland, New York, and Detroit. Ultimately, she hopes to shoot 99 people — one for each of the 99%.

Here, Powell has shared some of the photographs and confessions from her project. You can support her mission to capture more stories of debt around the country on Kickstarter.

James M. Thomas, Graduate Student, Writer: $24,500 in debt

"I've been in and out of graduate school since 2003, with brief stints of full-time work in between degrees. Although I have (had!) a small amount of savings, it was never commensurate with my decisions to attend an expensive school, cover the difference between income (fellowships, etc.) and monthly expenses, or support my desires to live in expensive cities (New York, San Francisco)."

Shareen Jallad, Massage Therapist: $10,000 in debt

"I was given a high credit line after receiving life insurance money. While grieving and not working I accumulated $20K in debt on frivolous spending."

Mike, Architectural Designer: $160,000 in debt

"Master's degree (4) years. Real estate deal. Unemployment."

Kobe Bryant may be in the midst of a nightmare season with the Los Angeles Lakers but he can take solace in knowing he has already won five championship rings and is still the highest-paid player in the NBA.

Meanwhile, in a perfect example of just how backwards the NBA's salary system can be, the arguably two best players in the NBA, LeBron James and Kevin Durant, are not even in the top five.

Of the players on this year's list most will be getting huge raises in the next two years as players and teams jockey for a position prior to the much anticipated higher salary cap that is coming for the 2016-17 season.

Using data from Spotrac.com, here are the highest-paid players in the NBA and their current contract situations.

#1 Kobe Bryant, Los Angeles Lakers — $23.5 Million

Position: Shooting Guard

Contract: 2 years, $48.5 million

Career Earnings: $298.3 million

One thing to know: Kobe's contract has handcuffed the Lakers this season and next. But the Lakers have just $5.4 million committed to the 2016-17 roster, the same year the NBA's salary cap is expected to go way up. The Lakers could potentially add three superstars that year.

SOURCE: HoopsHype.com

#2 Amar'e Stoudemire, New York Knicks — $23.4 Million

Position: Power forward

Contract: 5 years, $99.7 million

Career Earnings: $162.1 million

One thing to know: Stoudemire ranks 9th among active players in career earnings.

#3 Joe Johnson, Brooklyn Nets — $23.2 Million

Position: Shooting guard

Contract: 6 years, $123.7 million

Career Earnings: $170.2 million

One thing to know: Johnson has one more year on his contract at $24.9 million. The Nets' payroll this year is $93.7 million but they only have $25.9 million committed after Johnson's contract expires after the 2015-16 season.

SOURCE: HoopsHype.com

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iPhones aren't the status symbol they once were.

These days the real way to show off is with a custom iPhone.

Custom iPhones are a great way to express your personality.

They also tend to cost more, if that's of concern to you.

We've rounded up the best custom iPhones so you'll know what to ask to ask for during the holidays.

Feld & Volk makes some of the best custom iPhones out there. This "pure gold" iPhone 5S will run you $ 8,990.

If that's too much gold plating for you Feld & Volk also makes this graphite iPhone 6 for $4,799. It has a birch wood exterior (and some gold as well).

Feld & Volk also makes country specific iPhones. This China themed iPhone 5S will run you $2,600.

Since 1988, Wine Spectator's editors have been reviewing the best wines in the world.

In 2014, they reviewed about 18,000 new wines and narrowed their list down to a manageable 100 they deemed the most “thought-provoking.”

This year, the winner was surprising. Instead of the usual French or California bordeaux or chardonnay, the winning wine was a vintage port from Portugal — highly unexpected. 

The ranking spans 14 countries (including the US) with an average price point of $47 (lower than last year’s $51). 

Below are the 20 best wines of 2014, according to Wine Spectator, based on quality, value, availability, and "x-factor." 

1. Dow Vintage Port ($82)

2. Mollydooker Shiraz McLaren Vale Carnivale of Love ($75)

3. Prats & Symington Douro Chryseia ($55)

4. Quinta do Vale Meão Douro ($76)

5. Leeuwin Chardonnay Margaret River Art Series ($89)

6. Castello di Ama Chianti Classico San Lorenzo Gran Selezione ($52)

7. Clos des Papes Châteauneuf-du-Pape ($135)

8. Brewer-Clifton Pinot Noir Sta. Rita Hills ($40)

9. Concha y Toro Cabernet Sauvignon Puente Alto Don Melchor ($125)

10. Château Léoville Las Cases St.-Julien ($165)

11. Mount Eden Vineyards Chardonnay Santa Cruz Mountains ($60)

12. Château Guiraud Sauternes ($50)

13. Fonseca Vintage Port ($116)

14. Fontodi Colli della Toscana Centrale Flaccianello ($120)

15. Bedrock The Bedrock Heritage Sonoma Valley ($42)

16. Two Hands Shiraz Barossa Valley Bella’s Garden ($69)

17. Soter Pinot Noir Yamhill-Carlton District Mineral Springs Ranch ($60)

18. Château Doisy-Védrines Barsac ($35)

19. Luca Malbec Uco Valley ($32)

20. Peter Michael Chardonnay Knights Valley Ma Belle-Fille ($90)

You can view the full list of 100 wines at Wine Spectator.

SEE ALSO: The 10 Best Bars In New York City

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The technology industry is known for having been created by college dropouts like Steve Jobs, Bill Gates, and Larry Ellison, but that doesn't mean these innovators didn't have meaningful undergraduate experiences.

Bill Gates became friends with Steve Ballmer at Harvard, Larry Ellison learned he was a pretty good computer programmer at the University of Illinois, and Steve Jobs considered his time at Reed College among the most valuable experiences of his life.

Meanwhile, Peter Thiel actually graduated from Stanford, but today he thinks college is such a waste of time that he offers $100,000 scholarships to students who want to drop out.

What can we say, everyone's experience is different.

Larry Page, University of Michigan

Google cofounder and CEO Larry Page had been a quiet child growing up in East Lansing, Michigan, but he began to find his footing socially while attending the University of Michigan during the early 90s.

There, he made friends with other students who loved technology and became editor of a newsletter put out by Eta Kappa Nu, an electrical and computer engineering honor society, according to a Business Insider story earlier this year.

BI's Nicholas Carlson reports that Page also developed a reputation for prescient predictions about the future — such as when he realized that cheaper hard drives would make PCs a lot more useful — and a desire to solve big problems regardless of whether the technology existed to do so.

Elon Musk, University of Pennsylvania

PayPal cofounder and Tesla CEO Elon Musk studied physics and business at the University of Pennsylvania, transferring from Queen's University in Canada following his sophomore year.

Musk's housemate at the University of Pennsylvania, Adeo Ressi, recalls at a 2010 event held by TheFunded.com that Musk did not drink and was "the biggest dork I've ever met." 

Meanwhile, The New Yorker reports Musk loved first-person shooter video games, and he was so focused on his schoolwork that his mother would check on him to make sure he was eating and changing his socks every day, according to a 2012 Forbes story.

But in addition to all that studying and gaming, Penn's alumni magazine reports that Musk and Ressi made money by charging other students to attend parties they threw at their house.

Marissa Mayer, Stanford University

Yahoo president and CEO Marissa Mayer was already an overachiever by the time she enrolled at Stanford in 1993, having served as president of her high school's Spanish club, treasurer of its Key Club, and captain of both the debate team and pom-pom squad.

This intense focus on achievement continued in Palo Alto, where a former classmate describes her as having been "very smart and very serious," according to Business Insider's Nicholas Carlson.

Carlson reports that Mayer wavered from her initial plan to become a doctor, finding that she preferred the problem-solving skills used in computer programming to the rote memorization needed to succeed in pre-med classes.

As an upperclassmen, Mayer excelled teaching younger students in her symbolic systems major, a course of study that combines linguistics, philosophy, cognitive psychology, and computer science classes.