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Here's that Han Solo refrigerator you've been waiting for

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star wars battlefront

2015 is "Star Wars" year, y'all. Every year is, actually, now that "Star Wars" is an annualized film franchise. But this year is especially "Star Wars-y" because it marks both J.J. Abrams' directorial debut in the "Star Wars" film series and also the rebirth of the "Star Wars Battlefront" game series. 

As such, it's a great year for unexpected, somewhat ridiculous collector's items. We present exhibit one: the $130 "Star Wars Battlefront Deluxe Edition with Han Solo Fridge."

This is "Star Wars Battlefront." It's very pretty.



This is Luke Skywalker and his father/antagonist Darth Vader. You've probably heard of them.



This is the "Star Wars Battlefront" refrigerator.

You can pre-order it at Walmart exclusively, with a ship date of November 17, 2015.



See the rest of the story at Business Insider

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The 25 most dominant college football programs

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Nick Saban

When it comes to college football, there are powerhouses and then there's everyone else.

Business Insider has compiled a list of the schools that run the most dominating football programs.

To create the ranking we used Niche's college rankings (50% of score), games and championships won in the last 15 years (25%), and athletic department revenue generated by the football team (25%; provided by the NCAA).

Niche's rankings are designed to give prospective students an idea of which schools have the best football atmosphere and are based on a number of factors that can be considered different ways to measure a program's dominance (e.g. attendance, BCS wins).

#25 Texas A&M University

2014 football revenue: $57.7 million

Average Home Football Attendance:  87,125

Football Championship Score*: 0

BCS Appearances: 1 (0 wins)

Total NFL Players: 271 (1 Hall of Famers)

Student Surveys on Athletics: 4.1 out of 5

Visit Niche for more on Texas A&M University

*Number of NCAA Championships won since 2000 across Division I, II, and III. Championships were weighted by division.



#24 Stanford University

2014 football revenue: $36.7 million

Average Home Football Attendance:  50,726

Football Championship Score*: 0

BCS Appearances: 4 (2 wins)

Total NFL Players: 232 (3 Hall of Famers)

Student Surveys on Athletics: 3.9 out of 5

Visit Niche for more on Stanford University



#23 Appalachian State University

Appalachian State spent most of the last 15 years playing in FCS (formerly Division I-AA). They moved up to FBS in 2014.

2014 football revenue: $4.3 million

Average Home Football Attendance:  24,894

Football Championship Score*: 6

BCS Appearances: 0 (0 wins)

Total NFL Players: 36 (0 Hall of Famers)

Student Surveys on Athletics: 3.7 out of 5

Visit Niche for more on Appalachian State University



See the rest of the story at Business Insider

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The 9 fastest piloted planes in the world

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sr-71 spy plane

The world's fastest manned planes are nothing short of engineering marvels.

Capable of flitting through the air at multiple times the speed of sound, these planes take pilot and aircraft to the fringe of science-fiction.

Although a number of these aircraft have since been retired from use, they continue to be the fastest manned aircraft in history.

The designs and advances achieved with these planes have also left an immense impact upon the development of the planes that succeeded them.

Here's a look at the world's nine fastest manned aircraft ever flown.

SEE ALSO: These are the 11 most game-changing aircraft of the 21st century

F-4 Phantom II

Maximum speed: 1,472 mph
Maximum range:
1,615 miles
First flight:
May 27, 1958

The supersonic F-4 Phantom II jet was originally developed just for the US Navy and officially entered into service in 1960. In the mid-1960s, the interceptor was adopted by the US Marine Corps and the US Air Force.

The F-4 carries more than 18,000 pounds of weapons, including air-to-air missiles, air-to-ground missiles, and various bombs. The primary fighter jet during the Vietnam War, the Phantom II was gradually replaced by the F-15 and the F-18 Hornet.



Convair F-106 Delta Dart

Maximum speed: 1,525 mph
Maximum range:
1,800 miles
First flight:
December 25, 1956

First introduced into service in 1959, the Convair F-106 was designed to intercept and destroy Soviet bombers during the Cold War. The Delta Dart carried sophisticated radar, infrared missiles, and a nuclear-tipped rocket, according to the Aerospace Museum of California.

The F-106 still holds the world record as the fastest single-engine fighter at 1,525 mph. The F-106 is considered one of the most challenging fighter jets to operate because of its heavy cockpit workload.



Mikoyan MiG-31 Foxhound

Maximum speed: 1,860 mph
Maximum range:
2,050 miles
First flight:
September 16, 1975

First introduced into service on May 6, 1981, the Soviet MiG-31 remains one of the fastest combat jets ever designed. Built as an interceptor aircraft, the Foxhound continues to serve in the Russian and Kazakh air forces.

Despite its age, Russia plans to keep the aircraft in service until 2030.



See the rest of the story at Business Insider

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Take a peek at the glamour behind the scenes of a New York Fashion Week show

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NYFW 2015 Backstage

Friday marks the end of New York Fashion Week, the semiannual celebration of the biggest influencers in style. 

While most attendees only see the spectacle that comes out on the runways, the real magic happens behind the curtains.

From the models to the makeup artists, hairdressers, and more — it's a frenzy backstage before showtime.

Ahead, get a true behind-the-scenes look into the wild world of Fashion Week. 

SEE ALSO: I spent a day with a PR intern during Fashion Week — and she ran circles around me

DON'T FORGET: Follow Business Insider's lifestyle page on Facebook!

Multitasking is the key to getting it all done during Fashion Week. Here, a model gets prepped for the FTL Moda show while reading.



Checking texts, emails, or Facebook is totally fine while getting your hair prepped.



Each show has its own unique look when it comes to hair, makeup, and nails.



See the rest of the story at Business Insider

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The 5 most dangerous animals in Australia

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Australia doesn't do anything in halves. If it rains it pours, if it's sunny it's boiling, and if it's dangerous it's most likely deadly.

From the surface Australia looks irresistible; sun-kissed beaches, open roads and majestic bush land to get lost in.

Some of Mother Nature’s best work, Australia is truly picturesque, but don't be fooled by the attractive exterior.

Australia is a minefield of deadly creatures waiting to pounce, whether you're on land, in sea, or even in the safety of your hotel these smiling assassins can hunt you down. Nowhere is safe.

For the thrill seeker undeterred by our words of wisdom we've compiled a handy list of the critters with the most kills; get to know your enemy, it might just save your life.

SEE ALSO: The most incredible natural phenomena around the world

Blue-ringed octopus

If you're in the mood for a snorkel, you best pay close attention to the coral. The Blue-Ringed Octopus, a clever character, is often camouflaged amongst the colourful coral reef.

Like a silent hunter, you won't often know you're being watched until it launches at you to plaster you with the kiss of death. Within minutes this little devil will have caused motor paralysis by blocking your nerve conduction and eventually you will die of cardiac arrest. The neuromuscular venom in the saliva of this sea monster is deadly with no known antidote. Such mesmerizing colours, oh how looks can be deceiving. 

The Blue-Ringed Octopus is hard to escape, found swimming throughout the whole of Australia as well as the Philippines, India, Singapore, and New Zealand.

Where to stay: Shangri-La Hotel Sydney 

 



Box Jellyfish

What a creep, this spineless killer is transparent, making it incredibly difficult to spot in water. Particularly popular along the Great Barrier Reef between October and May these floating blobs are armed with fast working painful poison in their tentacles.

One of the most deadly creatures in the world, your respiratory system will shut down within minutes. An anti-venom does exist to reverse this dark fate, victims just need to make their way to the shore and find the nearest medic.

By the way, don't bother getting a friend to urinate on you, even if its stops the sting in the short term, you'll be dead within minutes and left smelling of pee. Good luck. 

Where to stay: Grand Hyatt Melbourne

 



Great White Shark

If you're out for a paddle and you see a fin gliding through the water it's probably best to turn and swim as fast as you can in the opposite direction. It's highly unlikely that's you're having some magical encounter with a dolphin and much more  possible that our local predator the Great White Shark is in your mix.

With 222 razor- sharp teeth and the ability to swim up to 35 miles per hour, these clever beasts know where you are even if you can't be seen. Great Whites can pick-up smells from hundreds of meters away and their pressure-sensitive receptors can detect anything with a pulse in their lateral radius.

The good news is that most shark attacks are non-fatal, meaning that they're likely to have a taste and spit you back out. Try not to be too delicious! 

Where to stay: Four Seasons Hotel Syndney

 



See the rest of the story at Business Insider

Apple just made it much easier to switch from Android to iPhone

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Move to iOS app 1

It's not surprising that Apple's first ever Android app is purely designed to help you move from Android to iOS.

But if you are making the switch from Android to iPhone, it does help transfer data like contacts, message history, photos and videos, bookmarks from your web browser, mail accounts, and calendars.

It's especially useful for transferring photos and videos, as well as your texts. Otherwise, mail accounts and calendars are mostly synced into your email provider's (like Gmail) cloud, and you'll find all your emails and calendards synced up when you sign in to whichever email app you use on your new iPhone.

Here's how easy it is to switch to iPhone. But first, make sure you download the Move to iOS app to your Android device.

First, you'll need to connect your new iOS device to your Wi-Fi network and download the Move to iOS app from the Google Play store.



After connecting your new iOS device to your Wi-Fi network, you'll see the Apps & Data screen where you tap Move Data from Android. Tap Continue on the Android Move to iOS app, too.



Next, you'll see a code on your iOS device. Tap in that code into the the Android Move to iOS app.



See the rest of the story at Business Insider

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The top 6 things to do in Panama

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From jungle adventures to bicoastal diving, Panama offers terrific experiences that should be on every traveler’s list.

Here's a list of the must-do things for a memorable trip.

SEE ALSO: The best place to travel every month of the year

Handicraft markets

Exploring Panama City’s handicraft markets is a must even for non-shoppers. Browse the colorful stalls and learn about local cultures from shop owners who are often indigenous people.

Plan Your Trip: Visit Fodor’s Panama City Travel Guide



The Panama Canal

One of the world’s remarkable engineering achievements, the Panama Canal is all the more amazing when you consider its construction took place a century ago.



Barro Colorado

Hop a boat on Gatún Lake to explore the island of Barro Colorado, one of the world’s first wildlife reserves and home to more than 400 bird species and 120 kinds of mammals.

Plan Your Trip: Visit Fodor’s The Canal and Central Panama Travel Guide



See the rest of the story at Business Insider

The biggest differences between the new Apple TV and Amazon's Fire TV (AAPL, AMZN)

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new apple tv

The streaming box wars are heating up.

About a week after Apple took the wraps off the long awaited refreshed Apple TV, Amazon unveiled a new version of its Fire TV, the powerful set top box that it first introduced last year.

The products are very similar: both connect to your TV and allow you to stream content from services like Netflix, Hulu, HBO, and Spotify. Both also have app stores, so developers can create apps and games for them. And both can be used for gaming — the remote controls have sensors in them so they can be used as game controllers.

They also both harness the power of digital personal assistants and allow you to use your voice to do more than just search. Apple's new Apple TV uses Siri, which you may know from your iPhone or iPad, while Amazon's Fire TV uses the lesser-known Alexa, a digital personal assistant that comes on the Echo, a connected speaker from Amazon

But there are also some huge differences between them.

The remote controls for Apple TV and Fire TV have microphones, but Apple's has sensors in it so you can use it as a game controller.

The remotes from both Apple TV and Fire TV are the gateways to the boxes' personal assistants. 

But the Apple TV's remote is more advanced — it has a glass touchpad that allows you to scroll not only up and down, but also side to side, allowing you to quickly go to a movie or TV show or skip ahead in a program.

It also has an accelerometer and gyroscope, so it can be used as a gamepad. 

I haven't been able to use either of the remotes — neither device is for sale yet — but Apple's has received some early praise. Tech Insider's Steve Kovach called it "intuitive and easy to use," while Ben Thompson, who writes the tech newsletter Stratechery and also used it briefly at the Apple event earlier this month, wrote that it "worked well" and swiping was "quite accurate."

Neither remote, however, comes with a headphone jack that allows you to watch without disturbing other people. The Roku 3 comes with this, and it's a great feature. 

(Amazon's game controller, which comes as part of the $139 Fire TV Gaming Edition package, has a headphone jack. But this package doesn't come with the remote with voice support.)



Apple's Siri can do more than Alexa.

RAW Embed

Amazon's Alexa, the cloud-based personal assistant that first appeared in the Echo connected speaker, is great, and it continues to get better, but when it comes to streaming, Siri can do more.

People can command both Siri and Alexa to play music, check the weather and sports scores, and search for actors, directors, and TV shows and movies.

But at this point, Siri can also answer more complicated questions, like "what are some new movies that are good to watch with kids?" or, as Apple demonstrated, "Show that Modern Family episode with Edward Norton."

You can also utter "what did he just say?" into the remote and Siri will rewind 15 seconds, and play the clip again with closed captions temporarily on.

 

 



Amazon's Fire TV supports 4K video and Apple TV doesn't.

Even though an increasing number of movies and shows from Netflix and Amazon are streamed in 4K, very few people actually have 4K TVs, so this will only matter to a few people.

 



See the rest of the story at Business Insider

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These 20 cities have the fastest growing economies in the developing world

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budapest

The world should keep an eye out for China and Turkey.

Earlier this year, the Brookings Institution released data on the world's 300 largest metropolitan economies. 

Included in that list were the fastest growing economies in developing regions, according to GDP per capita and employment rates between 2013-2014.

These cities are flourishing thanks to a potent mixture of tourism and industrialization — a booming nightlife economy in Istanbul, for example, and big business in Fuzhou.

Keep scrolling to see the top 20 cities on the brink of making it big.

20. Hefei, Anhui Province, China. GDP rose by 9.5% and employment by 1%.



19. Kuala Lumpur, Malaysia. GDP rose by 4.1% and employment by 3.4%.



18. Delhi, India. GDP rose by 4.4% and employment by 3.3%.



See the rest of the story at Business Insider

The 20 best songs to 'Netflix and chill' to, according to Spotify users

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couple in bed wearing headphones

In case you haven't heard, "Netflix and chill" is the hottest slang term on the internet right now — but it has absolutely nothing to do with watching television. 

Instead, "Netflix and chill" has become a popular euphemism for hooking up. (Remember asking your high school crush to come over and watch a movie? It's the same thing.)

And what hook up could be complete without the perfect playlist. 

Just in case you're not convinced, we talked to Spotify. Turns out, thousands of Spotify users have created special playlists labeled "Netflix and chill."

Keep reading to find out the 20 most popular songs people are listening to while getting their "Netflix and chill" on. 

 

20. "Wet Dreamz" by J. Cole

Youtube Embed:
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Height: 450px

 



19. "Often" by The Weeknd

Youtube Embed:
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Height: 450px

 



18. "Don't Like.1" by Kanye West

Youtube Embed:
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Height: 450px

 



See the rest of the story at Business Insider

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Here's who's going to win Emmys this weekend

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emmys predictions main

Sunday's Emmys could just be one of the most exciting years of the awards show.

There's plenty of questions to ask: Will "Game of Thrones" finally win? Will Jon Hamm never win for "Mad Men"? Will Viola Davis make history as the first black woman to win in a lead drama role? Will the year of Amy Schumer end with her winning an Emmy?

Business Insider took a look at the major categories and chose who we think should and will win.

Scroll down for our predictions for Sunday's Emmys:

SEE ALSO: The 18 biggest snubs and surprises from the 2015 Emmy nominations

MORE: Here's the full 2015 Emmy nominations list

Outstanding Drama Series

Will win:"Mad Men"
Should win:"Game of Thrones"

I don't believe the Academy will let "Mad Men" finish out its run without being rewarded an Emmy. It would be a mark of their failure. At the same time, "Game of Thrones" is having a strong moment right now.



Outstanding Lead Actor in a Drama Series

Will win: Jon Hamm
Should win: Jon Hamm

There is no way that the TV Academy could let Mr. Hamm leave an Emmy show once again without rewarding him with the trophy. On the other hand, that's exactly what they've done to him for seven years in a row.



Outstanding Lead Actress in a Drama Series

Will win: Viola Davis

Should win: Viola Davis

We are all ready to name Viola Davis the best actress on TV right now. In addition to fronting the hottest Shonda Rhimes show on TV, Davis has the film pedigree to give her the right kind of added prestige for the award.

And even though "Empire" star Taraji P. Henson was able to snatch a place in the list, because of her tour de force portrayal of music mafia matriarch Cookie, Davis pulled off some dramatic tricks we're not sure Henson even knows.



See the rest of the story at Business Insider

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Here's what happened to markets the last 15 times the Fed tightened

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vice tighten

Ever since the release of the minutes from the Federal Reserve's most recent policy meeting– which surprised markets by striking a hawkish tone – one question has gripped investors perhaps more than any other: when will the Fed start tightening monetary policy, and what will happen when it does?

Deutsche Bank Chief U.S. Equity Strategist David Bianco says, "Don't fear interest rate normalization."

That's the title of one of his recent research notes, which takes a deep dive into what happened to markets each of the 15 times the Fed has embarked on policy tightening since 1965.

December 1965 - December 1966

Story: Bianco writes, "The 1965 tightening followed many previous hikes that were largely a post-war renormalization of rates. But the curve inverted in Dec. 1965 and yet hikes continued through Nov. 1966 on low unemployment – hawkish policy. Stocks fell into a bear market in 1966 even without recession and then the Fed started easing in Dec. 1966 and the market rallied."

Beginning Fed funds rate: 4.10 percent

Peak Fed funds rate: 5.76 percent

Source: Deutsche Bank



December 1965 - December 1966

1-month change in S&P 500 from start of tightening: 0.9 percent

12-month change in S&P 500 from start of tightening: -12.2 percent

Change in 10-year Treasury yield over entire tightening: 0.54 percentage points

Source: Deutsche Bank



August 1967 - September 1969

Story: The Federal Reserve began lowering rates in December 1966 over fears that the long-running economic expansion in the U.S. was about to turn. It continued to cut rates through July of 1968, when the economy began heating up again. Stocks traded sideways through March 1968, when they staged a rally through the rest of the year before falling in 1969.

Beginning Fed funds rate: 3.79 percent

Peak Fed funds rate: 9.19 percent

Source: Deutsche Bank, Allan Meltzer



See the rest of the story at Business Insider

The 18 most 'miserable' countries in the world

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venezuela protest

It's hard to get by when you don't have a job and the cost of living keeps rising.

This is the maxim behind economist Arthur Okun's "Misery Index," which adds together a country's unemployment and inflation rates. The higher the number, the more "miserable" your country.

There has been criticism of the index. Extensive studies have shown that unemployment influences happiness (or, rather, unhappiness) significantly more than inflation.

Still, few would argue that both unemployment and inflation are bad when they are very high.

In light of that, Business Insider compiled a list of the 18 most miserable countries based on 2014 data available at the CIA World Factbook. Some countries struggle with both high unemployment and inflation, while others have one rate asymmetrically higher than the other.

Some countries are absent from the list because data was either unavailable or outdated.

18. Tunisia

Misery-index score: 20.1

CPI inflation: 4.9%

Unemployment: 15.2%

Tunisia was once called a "success story in Africa and the Middle East, but [today] it faces an array of challenges following the 2011 revolution," according to the CIA Factbook. The government's biggest challenges include reassuring businesses and investors and bringing budget and current-account deficits under control.

Source: CIA Factbook



17. Jamaica

Misery-index score: 20.7%

CPI inflation: 7.1%

Unemployment: 13.6%

Jamaica's economy relies heavily on the services sector, including tourism. Unfortunately, the country suffers from high crime and corruption and a high unemployment — which leads to more crime.

The government is battling a two-headed hydra: On the one hand, it needs to achieve fiscal discipline to maintain debt payments, but on the other hand it wants to confront the serious crime problem.

Source: CIA Factbook



16. Croatia

Misery-index score: 20.8%

CPI inflation: -0.2%

Unemployment: 21%

Croatia is one of the better-off former Yugoslav republics, but the country was hammered by sudden slowdown in 2008 with the financial crisis and never fully recovered. Major long-term problems include uneven regional development, a challenging investment climate, and a "stubbornly" high unemployment rate.

Source: CIA Factbook



See the rest of the story at Business Insider

There are only 12 items of clothing men need to be ready for fall

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strong suit blazers

Gentlemen, a quick overview of the clothing you'll need to look fresh this fall, the most glorious season for dressing.

There are 12 items. That's it.

What's more, most of these things are basics you already have (or may need a new version of).

Only a few of them are newer looks to kick up what you've got. 

That is because the most important thing about fall, more than what you wear, is how you wear it.

There are two key tenets of dressing for fall — varying the fabrics you wear and layering them the right way.

It's not rocket science either — throw a cashmere sweater over a button-down, or get an interesting blazer (like this one pictured from Strong Suit) to kick it up a notch for more formal events.

Stick to colors like maroon, navy, and olive. You'll be fine.

A pair of chukka boots

This is your casual, everyday boot. Wear it almost anywhere.

This pair is from Paul Evans and will cost you $399. 



A deconstructed or lightweight blazer

A deconstructed jacket has little to no shoulder padding or lining.

You want to go for a lightweight wool or cotton-wool blend.

In other words, it's very casual and good for layering.

If you want something that's going to last you more than a few seasons, this bad boy from Suit Supply will cost you $499



Olive will be huge. Try it on a chino.

You can't really go wrong with this pair from Welcome Stranger, a brand out of San Francisco.

A pair will cost you $165.



See the rest of the story at Business Insider

NFL POWER RANKINGS: Where all 32 teams stand going into Week 2

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aaron rodgers

After one week of the NFL, the balance of power in our rankings have shifted quite a bit.

It was a somewhat wild week, with several late-game collapses (looking at you, Lions, Giants, and Eagles), some upsets (cheers, Bills and Rams!), and some straight-up impressive performances from good teams (hi, Patriots, Chiefs, and Cardinals).

It's tough to avoid knee-jerk reactions, but what else do we have to go on after one week of action? Some teams were so unimpressive, they have to be dropped in the rankings (sorry, Colts), while other teams, despite losing, deserve some credit for hanging tough (hello, Ravens).

See where each team stands heading into Week 2.

1. New England Patriots

Record: 1-0

Week 2 opponent: at Buffalo Bills

What's good: Rob Gronkowski’s three-TD performance against the Steelers was so dominant that the Bills are considering using King Kong to guard him this weekend.

What's bad: The depleted secondary didn’t look great against the Steelers and continues to be the biggest weakness on the team.



2. Green Bay Packers

Record:1-0

Week 2 opponent: vs. Seattle Seahawks

What's good: Without Jordy Nelson, the Packers got a big performance from 31-year-old receiver James Jones, who pulled in two touchdowns vs. the Bears.

What's bad: The win wasn't super convincing; the Packers actually trailed the Bears going into the fourth quarter.



3. Seattle Seahawks

Record: 0-1

Week 2 opponent: at Green Bay Packers

What's good: We're not fretting the Seahawks' overtime loss to the Rams too much, as they could have easily won had they not produced one of the most baffling kicks ever.

What's bad: We are still fretting Kam Chancellor's holdout. The Seahawks gave up 34 points to the 26th-ranked offense last year, and the game-tying touchdown could have been prevented with Chancellor on the field.



See the rest of the story at Business Insider

The way you pay with a credit card will start to change October 1, so here's what you should know

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Paying with a credit card has become like clockwork for most of us. We don't even have to think about swiping the plastic in our wallets.

Come October 1, however, things will start to change due to the nationwide migration to EMV technology.

With EMV — which stands for "Europay, MasterCard, and Visa"— you'll start "dipping" your credit and debit cards into a terminal slot.

Rather than reading the magnetic strip on the back of your card, payment processing systems will read a microchip on the front of your card, which aims to improve security and reduce fraud.

Here's what you should know as the October 1 deadline approaches:

SEE ALSO: 8 things you should always buy with a credit card

This is not new technology.

Chip technology has been widely used in Europe and other parts of the world for several decades in order to combat fraud.

The traditional cards with magnetic strips are decades old, and they're easy for fraudsters to forge. With the EMV technology and chip-embedded cards, forgery is much more expensive.

"Historically, the weakest link has been in the card," says Nuno Sebastiao, CEO of Feedzai, a data science company that detects payment fraud. "It's very easy to copy the stripe on a card. With a chip, that will be much harder. It's still doable, but it becomes much more costly."

While the US is gradually catching up to Europe with this technology, we're still lagging in more ways than one.

In the US, after dipping your card, you'll sign a receipt — in Europe, you dip and enter a four-digit personal identification number, which is more secure than the dip-and-sign procedure. Banks can choose to issue cards that require a PIN, but it won't be required in October 2015.



Businesses without EMV cards or terminals will be responsible for potential fraud.

Currently, if you fall victim to credit-card fraud, your issuing bank will pick up the tab and insure you.

Starting October 1, the responsibility will shift to the merchants — if they're still using the old "swipe and sign" system and don't accept a chip-enabled card. If the merchant accepts EMV cards, the issuing bank will insure you like it does today.

It works the other way around as well. If the merchant has the new terminal but the bank hasn't started using a chip card, the bank will be responsible.

This means there's incentive for merchants to start updating their in-store terminals to be EMV-compliant and for banks to start issuing new, chip-enabled cards.



You won't start exclusively dipping your card October 1.

October 1 is a soft deadline. There won't be an instantaneous shift at the start of the month — many merchants don't even have the new equipment installed, and some banks haven't issued new cards to all their customers.

"This is the first step in a larger transition," says Thiago Olson, CEO of Stratos Card, an all-in-one connected Bluetooth card. "As we're seeing, a large majority of merchants, and the vast majority of small merchants, haven't even heard of EMV yet. It's the beginning of the push to start switching over, and it will be a several-year-long process before consumers start dipping cards instead of swiping cards here in the US."

The card networks — Visa, Discover, MasterCard, and American Express — are front-running the liability shift and have set the October date. It remains to be seen how strict they'll be with the deadline, as so many merchants aren't ready for the transition, Olson explains.



See the rest of the story at Business Insider

This 30-million-year-old cave in New Zealand has a beautiful phenomenon that doesn't exist anywhere else in the world

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Glowing Worms New Zealand 10

Deep in the limestone caves of New Zealand rest colonies of glow worms that emit a blue-green light strong enough to illuminate the caves they live in.

These wonderful yet strange creatures are called arachnocampa luminosa. They're native to a northern part of the country called North Island.

Auckland photographer Joseph Michael documented the awe-striking creatures, which live in caves said to be as ancient as 30 million years old, by spending countless hours in the caves' ice-cold water.

UP NEXT: 12 examples of evolution happening right now

SEE ALSO: This crazy squid with one huge eye was just spotted glowing in the wild for the first time

Glowworms are actually the larvae of the fungus gnat, a type of fly that resembles a mosquito.



The glowworms are found only in New Zealand and eastern Australia. The Australian worms have smaller lights and tend to stay in smaller groups.



The first part of the species' name, Arachnocampa, means "spider worm," and refers to the web of silk threads the worms use to snatch their prey.



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Body language mistakes successful people never make

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young professionalBody language plays a crucial role in our daily lives, whether we know it or not.

From casual interactions with strangers to more formal exchanges with colleagues; we can reveal to people what we’re all about (or not about) with just a few simple gestures.

For confident and successful people, positive body language tends to be part of their make-up but for others, a bit of gentle reminding may be required.

SEE ALSO: 10 proven tactics for reading people's body language

Avoiding eye contact

A lack of eye contact can indicate that you’ve got something to hide or that you lack confidence and interest.

When it comes to communicating in the workplace, maintaining eye contact is crucial – it conveys confidence, leadership and strength.



Weak handshake

Although a handshake only lasts a couple of seconds, a bad one can leave an enduring impression on someone.

A study done by the University of Iowa in 2008 found that those people who start job interviews with a firm, strong handshake are always perceived in a more favorable light than those who have a limp handshake.



Slouching

Slouching or bad posture signals that you lack confidence and have low energy levels. If your back is curved and your shoulders are pointing inwards, it makes sense that you will appear physically smaller.

On the other hand, good posture, i.e. a straight back and perked-up shoulders, maximizes the amount of space you fill and so denotes control and assertion



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David Tepper's stunning Hamptons mansion is now complete — here is what it looks like

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Tepper Hamptons house

Hedge fund billionaire David Tepper bought an oceanfront mansion in Sagaponack, New York, in 2010 from Jon Corzine's ex-wife for $43.5 million.

The following summer, Tepper tore down Corzine's former summer home to build a mansion twice the size.

Tepper and Corzine had worked together at Goldman Sachs. Tepper left to set up the hedge fund Appaloosa, which now has about $20 billion in assets under management, after then-CEO Corzine decided against promoting him to partner. 

"You could say there was a little justice in the world,"Tepper told New York Magazine when discussing the renovation plans to the home in 2010.

Tepper's sprawling mansion is now complete.

Aerial photographer Jeff Cully was kind enough to share some photos he took during a recent helicopter ride.

We've included a history of the construction of Tepper's summer abode

Here's what the property looked like in 2012, after Corzine's old home was demolished.



By June 2012, the frame of the house had been built. It was clear that it would be massive.



In January 2013, the construction had made a great deal of progress.



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The 5 best features of iOS 9

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Apple iOS 9 Thumb 16x9

I've been using iOS 9, the new operating system for the iPhone, iPad, and iPod touch, for a couple of days now.

iOS 9 isn't a drastic redesign of the operating system, like the introduction of  iOS 7 was two years ago.

But I've still found that some of the new features are meaningful improvements over last year's iOS 8, and they help me get stuff done on my phone more quickly.  

I haven't yet had a chance to try out all of the new features — there are a lot! — but these are some of my favorite so far.

Now you can see notifications grouped by time rather than by app.

Notifications used to be grouped according to app. So you wouldn't always see the most recent messages when when you swiped down from your home screen.

This may not sound like a big deal, but tend not to delete these messages, so my Notifications Center was usually a mess. I'd have to scroll for awhile to see the latest news alert or email.

Now, since they're grouped by time, I see the latest notifications when I swipe down on my home screen. 



It's so much easier to delete photos.

You no longer have to tap-tap-tap to select photos to delete. With iOS 9, you can select a series of photos just by swiping your finger across the screen.

You can swipe both left and right across the screen to select or deselect a large number of photos.

This is game-changing if you need to make space on your phone, or delete those hundreds of pictures you snapped that day this summer you took your dog to the beach.



The new app switcher looks a lot better and it's easier to use.

The new app switcher — what comes up when you double press the home button on your device — got a pretty big makeover in iOS 9.

The apps that you recently used appear bigger and are stacked atop one another. It may not seem like much, but it actually makes switching between apps smoother and faster. 

 



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