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The latest news on Features from Business Insider
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    FILE PHOTO: Traders work on the floor of the New York Stock Exchange, (NYSE) in New York, U.S., February 6, 2018. REUTERS/Brendan McDermid

    When stocks trade too similarly, it's tougher for stock pickers to profit from unique opportunities.

    The average three-month stock correlation on the S&P 500, a gauge of how uniformly stocks on the index trade, jumped from 9% in January to 52% last week. That was the largest and fastest increase outside 1987, according to David Kostin, Goldman Sachs' chief US equity strategist.

    But there's some good news for stock pickers: Kostin expects correlations to fall, as regulation on tech companies and other policy risks create more individualized opportunities.

    "We expect correlations for these stocks would likely revert to historical averages and present potential buying opportunities given their underperformance since March," Kostin said.

    The list below highlights 21 buy-rated stocks that Kostin says are more likely to have heightened responses to individual news and offer the best opportunities for stock pickers to beat their benchmarks.

    "Consumer Discretionary and Health Care currently offer the best stock-picking opportunities," Kostin said.

    SEE ALSO: GOLDMAN SACHS: Tech stocks face a looming risk that would make them less appealing

    MGM Resorts International

    Ticker: MGM

    Sector: Consumer Discretionary

    Market cap: $19 billion

    Upside to Goldman Sachs' target: 28%


    Ticker: AMZN

    Sector: Consumer discretionary

    Market cap: $691 billion

    Upside to Goldman Sachs' target: 28%

    Nucor Corp.

    Ticker: NUE

    Sector: Materials

    Market cap: $19 billion

    Upside to Goldman Sachs' target: 28%

    See the rest of the story at Business Insider

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    Floyd Mayweather

    Floyd Mayweather may have announced his retirement from boxing last year, but he could be tempted to transition to mixed martial arts and fight in UFC.

    For Mayweather, "It's all about presenting the right numbers." And that means he wants to get paid big bucks for his blood, sweat, and tears.

    If he does compete in a UFC octagon, he could go on to fight multiple times — perhaps, even, on a billion dollar deal.

    Mayweather may be 41 years old and attempting another sport late on in life, but the American took hardly any damage throughout his 50 professional boxing bouts and is a disciplined athlete.

    To maintain his sporting dominance, Mayweather has to eat right. So what sort of food does a former five-weight world champion fighter eat?

    Here's everything Mayweather likes to have for breakfast, lunch, and dinner.

    SEE ALSO: Floyd Mayweather’s Instagram shows him living his best life in the Caribbean just a week after a gunman sprayed bullets at his entourage

    DON'T MISS: Rumours suggest Floyd Mayweather will fight Conor McGregor with modified rules — but they'll benefit only one man

    UP NEXT: The gunman who sprayed bullets at Floyd Mayweather's motorcade was reportedly targeting the boxer's entourage

    This is Floyd Mayweather, a retired boxer renowned for his victories against Oscar de la Hoya, Saúl Álvarez, and Manny Pacquiao (below). Mayweather concluded his boxing career with a win over UFC fighter Conor McGregor last year, and will be remembered for his defensive prowess, extraordinary technique, and dedication to his craft.

    To get ring ready, Mayweather employed personal chefs to provide meal plans throughout the day. A typical breakfast includes eggs, grits, and home fries. He also chows down on turkey sausage and turkey kielbasa. For Mayweather, a view might be just as important as the breakfast itself — so here he is enjoying a morning meal in Hawaii.

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    Source: Esquire.

    Mayweather hardly needs any help staying alert in the ring as he was always one of the best 12-round fighters in the game. Regardless, he is not averse to coffee.

    Source: Twitter.

    See the rest of the story at Business Insider

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    Crown Prince Al Hussein bin Abdullah II

    23-year-old Crown Prince Al Hussein Bin Abdullah II is next in line to the Jordanian throne.

    A Sandhurst graduate and second lieutenant in the Jordanian Armed Forces, he shares his adventurous lifestyle with an Instagram following of 1.3 million— and also uses the platform to promote his initiatives to support and engage the youth in Jordan. 

    From indulging in his passion for extreme sports to meeting Obama, scroll down for a peek inside the life of Jordan's Instagram-famous Crown Prince.

    SEE ALSO: The insane life of Brunei's super-rich Prince, who flies choppers, chills with tiger cubs, and plays polo

    23-year-old Al Hussein Bin Abdullah II is next in line to the Jordanian throne.

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    Source: Instagram 

    He officially became Crown Prince in 2009, aged 15.

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    Source: alhussein

    He has amassed an Instagram following of 1.3 million, and uses the platform to promote his military and political work — and share his adventurous lifestyle.

    Instagram Embed:
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    Source: Instagram

    See the rest of the story at Business Insider

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    There's a huge variety of headphones out there, so any company coming into this saturated market should really have something "different" if they want to stand out.

    Indeed, nascent audio company Nura did something different with its Nuraphone headphones. It came out with a pair that are both headphones and earphones. They sure look strange, and they feel even weirder when you first try them on.

    But they sound phenomenal. Their supreme sound is also thanks to Nura's personalized audio tuning, where the headphones tune themselves to the way you hear sound. If it sounds hokey, that's because you haven't tried them out yet.

    Check out the Nuraphone headphones:

    SEE ALSO: Bose's $350 noise-cancelling headphones are a must-have if you want to live in a quieter world – and they sound great, too

    Let's address the first thing you're all wondering about.

    Yep, those are earbuds inside the headphone cups. 

    So what's going on with that unusual design?

    Unlike most headphones, the Nuraphone headphones deliver sound via the main headphone cup and the in-ear earbud. 

    The main headphone cup houses a large bass speaker – or "driver" as they're often called. That's where ultra-low bass frequencies will come from.

    Meanwhile, the inner earbud delivers some additional bass, mid, and high audio frequencies. And it makes a lot of sense. It's like having a full sound system in your ears that includes the subwoofer, mid-range speakers, and high-frequency tweeters.

    Normal headphones and earphones can deliver all these frequencies with so-called "full range" drivers that deliver bass, mids, and highs. But full-range drivers don't specialize in any one frequency like those in the Nuraphone do. The thinking behind the Nuraphone's hybrid design is that huge amount of bass can be delivered without drowning out the mid and high frequencies. 

    I'll get to how they sound in a moment, but there's one more thing you should know about.

    The unique design is only part of the Nuraphone experience, and it's not even the most important aspect.

    Before you start listening to music for the first time with the Nuraphone, you need to get them tuned specifically for your hearing using the Nura mobile app. 

    The Nura app gets you set up to make the most of the Nuraphone. If you don't use the app, you're basically wasting your money, as you don't take advantage of the Nuraphone's defining feature: Personalized sound. 

    First, it makes sure you get a good seal with the earbuds and your inner ear. Then, it'll play a variety of sounds while it figures out how to best tune audio based on how your ears hear. It'll measure how sensitive your ears are to audio frequencies and tones and create a hearing profile based on the results. The whole process takes a couple of minutes. 

    The Nuraphone headphones then use your hearing profile to adjust the audio that they deliver.


    See the rest of the story at Business Insider

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    Rolls Royce Phantom First Drive

    • The Rolls-Royce introduced an all-new eighth generation Phantom for 2018.
    • The new Rolls-Royce flagship is powered by a 563 horsepower, twin-turbo V12.
    • It starts at $450,000 while our extended wheelbase test car carried a price tag of nearly $644,000.
    • The Phantom is fully-customizable and loaded with cool tech and luxury features.

    Over the years, Rolls-Royce has become a byword for automotive opulence. As the pinnacle of roadgoing luxury, the Phantom is Rolls-Royce's long-serving flagship. For the first time in 15 years, there's an all-new generation Phantom. In fact, it's the eighth generation in the nameplate that dates back to 1925.

    Recently, Business Insider was able to spend an afternoon with the all-new Phantom, including about an hour behind the wheel of the behemoth.

    The Rolls-Royce Phantom will be available in two body styles, the stand wheelbase and the extended wheelbase which adds eight extra inches in length. In case you're wondering, the extended wheelbase Phantom is 19.5 feet long.

    Under the hood is a new 563 horsepower, 6.75 liter, twin-turbocharged V12 engine. According to Rolls, our extra-long Phantom can hit 60 mph in just 5.2 seconds. The standard Phantom is about 0.2 seconds faster. Both versions have a top speed of 155 mph.

    We were impressed by the new Phantom driving dynamics thanks to its new four-wheel-steering system. It's not exactly nimble, but far more fleet of foot than you would expect from a vehicle of its size. However, the real place to be is in the back where you can stretch out and get a feel for the serenity and smoothness of its passenger experience. It's what Rolls-Royce calls the "magic carpet ride."

    The standard wheelbase Phantom starts at about $450,000. But our test car is an extended wheelbase model that is eight inches longer than the standard Phantom and starts at $530,000. With bespoke optional extras, our black-and-emerald-green Roller costs nearly $644,000.

    Here's a closer look at the coolest tech and luxury features on the Rolls-Royce Phantom:

    SEE ALSO: We drove the all-new $630,000 Rolls-Royce Phantom to see the future of automotive opulence — here's what it was like

    FOLLOW US: on Facebook for more car and transportation content!

    We have the chance to experience the Phantom on the streets of New York City.

    Behind the wheel, the first thing you notice is the heads-up display and a digital instrument cluster designed to mimic old-school Rolls-Royce analog gauges. The driver also has access to adaptive cruise control, collision warning, pedestrian warning as well as lane departure and lane change warning.

    In the center console is a 10.25-inch high definition display running a version of BMW Group's iDrive infotainment system. It serves as a display for the Phantom's elaborate system of cameras.

    See the rest of the story at Business Insider

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    jony ive and tim cook iphone x launch event

    Last year, Apple launched its first $1,000 phone.

    The iPhone X is not only Apple's most expensive phone, but also its most advanced model. It featured a screen that stretched across the entire device, and advanced front-sensors that lets the phone scan your face to keep it secure. 

    But as soon as September, you might not need to pay $999 to get these features. Several reliable sources — including Bloomberg, Wall Street Journal, Morgan Stanley, and KGI Securities — have said they expect Apple to release a lower-cost iPhone this year.

    KGI Securities said in a note seen by Business Insider on Wednesday that it could be priced between $550 and $650. Apple launches new iPhones in September, so that's when it could come out.

    Here's what we know about the most important iPhone Apple could launch this year:

    The new low-cost iPhone will only be one of three models that are expected to come out this fall. Apple is also expected to launch an updated version of the iPhone X as well as a super-sized iPhone X.

    Here's everything Apple's expected to launch this year

    But the cheapest of the three new phones is expected to be the best-selling, according to KGI Securities analyst Ming-Chi Kuo. It could account for 65% to 75% of iPhones sold this upcoming cycle, he said in a note earlier this week.

    It could have an edge-to-edge screen and facial recognition.

    See the rest of the story at Business Insider

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    hawaii woman hiking cliff

    • Spending time in forests, hiking in mountains, and just being outside can lead to significant health benefits.
    • Studies have shown that walking in the woods can improve blood pressure, boost mental health, and decrease cancer risk.
    • So go spend some time "forest-bathing" to improve your health.

    Many people spend workdays indoors under fluorescent lights and in front of computers, then return home to bask in the glow of television screens.

    But research suggests it's important to make time to get outdoors as well, since doing so is beneficial — maybe essential — for human health. Psychologists and health researchers are finding more and more science-backed reasons we should go outside and enjoy the natural world.

    In her book, "The Nature Fix: Why Nature Makes Us Happier, Healthier, and More Creative," journalist Florence Williams writes that she started investigating the health benefits of nature after moving from the mountainous terrain of Boulder, Colorado, to what she describes as "the anti-Arcadia that is the nation's capital": Washington, DC.

    "I felt disoriented, overwhelmed, depressed," she wrote. "My mind had trouble focusing. I couldn't finish thoughts. I couldn't make decisions and I wasn't keen to get out of bed."

    We don't all need to move to beautiful places like Boulder — there are good reasons for many of us to live in bigger cities. 

    But humans do need to spend time in natural environments if they want to improve their physical and mental health. That could mean taking advantage of hiking trails near your home, playing in the snow, swimming in the ocean, or just spending time every week in a local park.

    Here are 12 reasons why it's so important.

    SEE ALSO: The amazing ways intermittent fasting affects your body and brain

    Walking in nature could improve your short-term memory.

    Several studies show that nature walks have memory-promoting effects that other walks don't.

    In one study, University of Michigan students were given a brief memory test, then divided into two groups. One group took a walk around an arboretum, and the other took a walk down a city street. When the participants returned and did the test again, those who had walked among trees did almost 20% percent better than they had first time. The people who had taken in city sights instead did not consistently improve.

    similar study on depressed individuals found that walks in nature boosted working memory much more than walks in urban environments.

    Being outdoors has a demonstrated de-stressing effect.

    Something about being outside changes the physical expression of stress in the body.

    One study found that students sent into the forest for two nights had lower levels of cortisol — a hormone often used as a marker for stress — than those who spent that time in a city.

    In another study, researchers found a decrease in both the heart rates and levels of cortisol of participants who spent time in the forest compared to those in the city.

    "Stressful states can be relieved by forest therapy," the researchers concluded. 

    Among office workers, even a view of nature out a window is associated with lower stress and higher job satisfaction.

    Spending time outside reduces inflammation.

    When inflammation goes into overdrive, it's associated with a wide range of ills, including autoimmune disorders, inflammatory bowel disease, depression, and cancer. Spending time in nature may be one way to help keep that in check.

    In one study, students who spent time in the forest had lower levels of inflammation than those who spent time in the city. In another, elderly patients who had been sent on a weeklong trip into the forest showed reduced signs of inflammation. There were some indications that the woodsy jaunt had a positive effect on those patients' hypertension levels as well.

    See the rest of the story at Business Insider

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    iPad and Apple Pencil

    I got very little use out of my first iPad back in 2011. Even amid all of the excitement of having a brand-new Apple device, I felt no real need for my second-generation iPad, between my iPhone and my MacBook.

    I know I'm not alone. I've heard a lot of people agree that it's tough to justify spending hundreds of dollars on a third screen size — and yet, Apple keeps on making tablets. Why?

    "Both [The Mac and iPad] are incredible," Apple CEO Tim Cook recently told the Sydney Morning Herald's Peter Wells when he negated rumors that the Mac and iPad might eventually merge. "One of the reasons that both of them are incredible is because we pushed them to do what they do well."

    So, I decided to take the new reasonably sized and priced iPad for a spin, along with the not-so-reasonably priced Apple Pencil, to figure out what it was that I hadn't considered. I have to admit that I was pleasantly surprised. 

    Here were my takeaways after owning an iPad for the first time in seven years:

    The iPad is the perfect weight and size for commuting, at least for me.

    I never had a real complaint about the MacBook's portability before, but there was a time when I was traveling frequently and felt the need to switch to the lighter MacBook Air; I eventually had to go back to the MacBook Pro when I needed more storage. 

    The iPad solved the weight-versus-storage issue for me by letting me treat my MacBook Pro like I used to treat my desktop, but with more flexibility.

    The MacBook Pro moved around my apartment and went with me to coffee shops when I had to get work done, but it stayed at home any time I had a commute and could get away with accessing files or apps from a self-standing screen that's larger than my iPhone. 

    Since I have a separate work computer at the BI office, I could opt for the much more portable iPad over my MacBook Pro on a day-to-day basis. In contrast, Tim Cook said a few years ago that he used his iPad around the house and took his laptop to work — the point is, you have options. 

    The iPad makes for a much better mobile experience than the iPhone with regard to multitasking.

    If you swipe up, you see the dock, which can support 13 apps plus an additional three that automatically populate as your most recently used. Swipe up even further and you get the Control Center and can see all of the apps you have open. 

    On an iPhone, shuffling through your open apps when five or six of them are running at a time is frustrating, but with iOS 11, Apple makes use of the iPad's real estate and lays out all of the app cards without overlap, making for a much more pleasant experience when you're multitasking. 

    Multitasking didn't always work, though.

    Multitasking got slightly unpleasant when I started testing out the different ways in which you can use two apps at once. 

    With Split Screen, you can divide the screen into two sections, with the apps taking the screen 50-50, 75-25, or 25-75. It was great for planning a trip, and I used it to look up sights and book tickets while I jotted things down in the Notes app. I was upset that it didn't work with Google Maps or the Gmail app, though (this is not a Google thing because it worked with Google Photos just fine).

    For those apps, I resorted to Slide Over, which creates a window that's about one-third the size of the screen and sits on top. You can choose where you want to position it, and slide it in and out of view as it's needed. I decided this would be perfect for a music player, but Spotify didn't allow it. 

    Still, I was really happy with picture-in-picture support since I could watch videos or FaceTime while I did other things.

    See the rest of the story at Business Insider

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    Earth Day is one of the world's largest celebrations of our environment. 

    To commemorate the holiday, National Geographic is debuting a "Symphony for our World": a television event that will pair a slideshow of National Geographic's stunning wildlife photography with a five-part symphony.

    The music is created by Bleeding Fingers Music and performed by a full orchestra and choir. The symphony-and-photo pairing will air on National Geographic Wild on Sunday, April 22 at 7 p.m. EST.

    A touring, 90-minute live symphony event with projections of the photos will also debut in San Francisco, California on April 22 (Earth Day), then tour around the US and Canada.

    Below are some of the most spectacular wildlife images from "Symphony for our World," which were previously unreleased from National Geographic's archive.

    SEE ALSO: Soak in the beauty and fragility of our dynamic planet with these stunning photos

    The live symphony performances will take place in cities around the US and Canada. After starting in San Francisco on Sunday, the event will then travel to Austin, Texas in July.

    The music and images are divided into five parts that correspond with different ecosystems: the sea, coastlines, land, mountains, and sky.

    Images from each of those environments will be accompanied by a different chapter of music that's tailored to the ecosystem.

    See the rest of the story at Business Insider

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    jillian manus silicon valley parties 2

    When venture capitalist and philanthropist Jillian Manus throws a party, the who's who of Silicon Valley shows up. That's because her parties are legendary. The budget? Exorbitant.

    The prolific hostess is known around the Bay for her over-the-top dinner parties and Valentine's Day galas, which have over the years included a live elephant greeting guests at the door, a recreation of Woodstock, and a San Francisco Symphony concert on the lawn of her Atherton estate.

    Business Insider recently spoke to Manus to get the inside scoop on how her talk-of-the-Valley parties come together. She shared photos of her last Valentine's Day bash with us. Take a look.

    SEE ALSO: The tech elite are abandoning Silicon Valley in droves because of 'groupthink' and out-of-control living costs— here's where they're headed

    "I never just throw a party. I am knee-deep. I roll up my sleeves," Manus said.

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    It's no wonder that the venture capitalist's parties are "the toast of Silicon Valley."

    Source: San Francisco Chronicle

    In 2006, Manus and her then-husband Alan Salzman, an early investor in Tesla, started hosting annual gala benefits on Valentine's Day to raise money for a local cancer clinic.

    See the rest of the story at Business Insider

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    Halal Guys

    • The Halal Guys is a New York City-based chicken, gyro, and rice chain that's quickly expanding nationally. 
    • Mediterranean food is becoming increasingly popular in the US, with chains like Cava and Noon finding success in cities all over. 
    • We visited one of its locations and found its good, cheap meals to be a tremendous deal. 

    New York City is home to so many iconic cultural institutions, it's difficult to count them all: Central Park, Seinfeld, the Statue of Liberty, the charmingly disintegrating subway system — the list goes on. 

    But one revered New York icon is something a little unexpected: The Halal Guys. What started as a hot dog cart on the streets of Midtown Manhattan in 1990 has exploded into a hugely popular nationwide chicken-and-rice chain.

    And The Halal Guys is striking while the iron is hot, setting its eyes on further franchising and expansion as America's taste buds become more interested in Mediterranean and Middle Eastern cuisine. Despite having started as a business to feed late-night Muslim cab drivers at the end of their shifts in NYC, Halal Guys executives now say that roughly 95% of the chain's customers don't even follow halal diets, according to the Wall Street Journal

    The chain has 61 US locations — plus a handful more internationally — scattered fairly liberally from coast to coast. But as it aims to further saturate America, one wonders: does it have what it takes to make it in Milwaukee as well as in Miami, in Sioux City as well as in San Francisco? We visited the chain to find out. 

    SEE ALSO: We tried Shake Shack's new veggie burger — here's the verdict

    DON'T MISS: We compared Costco's hugely popular food-court pizza to Sam's Club's — and the winner is clear

    There are a handful of locations in New York City. We swung by the brick-and-mortar spot on 14th Street.

    The inside is a no-frills, cafeteria-style atmosphere. Frankly, having seen a thousand iterations of "fast-casual chic"— raw wood, Edison bulbs, and industrial metal — it's a refreshingly simple vibe. One often forgets what authenticity feels like.

    The walls have line drawings of New Yorkers at work and play, and the tables and chairs are unfussy red metal affairs.

    See the rest of the story at Business Insider

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    In 1990, after a record high 2,262 homicides, some called New York City the "murder capital" of the country. But since then, the murder rate has steadily declined.

    The Big Apple is on pace this year to record fewer homicides than the record low of 333 set in 2014, the New York Daily News reported in early September.

    Some have even dubbed today's NYC "the safest big city" in the US.

    To get a better sense of what NYC's streets are like these days, we spent three nights with NY Daily News crime reporter Kerry Burke, considered by many to be the best in the city.

    Burke, 55, reported from ground zero on 9/11, helped break the Eric Garner story, and was even on a few episodes of Bravo's "Tabloid Wars" in 2006. He said he had been to roughly four shootings a week since he started the job 16 years ago.

    The first night we spent with Kerry passed with few incidents — perhaps a sign of the safer times. But the last two nights told a different story.

    Here's what we saw.

    SEE ALSO: I spent the weekend with a homeless community in New York to see what it's really like to live on the streets

    DON'T MISS: I covered murders during Chicago's deadliest year in decades — here's what I saw

    Night 1: I met Burke in the Bronx while he was trying to find a man who had just been acquitted on murder charges.

    "How are ya, Mr. Brown?" he said in a Boston accent.

    Burke, who grew up in Boston's Dorchester housing projects, was rather formal at first, but switched right away to "bro" or "brotha," like he called almost every other guy I met with him.

    He filled me in on the details about the man he was looking for before we walked to the guy's last known address.

    Residents in the building told him the man no longer lived there, so Burke asked people in other buildings and nearby stores whether they knew him.

    "Bodegas are the best," he said. "They know everything that goes on in the neighborhood, and they know everybody."

    He walked into one unlocked neighboring apartment building and knocked on doors.

    Burke was adept at talking to and gaining the trust of all different sorts of people, and he stressed the importance of being polite.

    "Maybe it's because I'm a troubled Catholic that I always say thank you," Burke said, adding that he "might have to come back" to get more information too.

    After about an hour or so, Burke was able to get the man's phone number but was unable to reach him.

    He later heard that a murder suspect was being questioned at the 32nd precinct and decided to go wait outside in the hopes of getting a statement when the suspect walked out.

    Around 11 p.m., the suspect's cousin walked out of the precinct. Burke asked him a few questions but didn't get much.

    Throughout the eight hours I spent with Burke that first night, there were no homicides and only one shooting — a man hit in the buttocks.

    The victim was immediately stabilized, and since the incident was not serious and happened more than an hour away from us, we didn't go.

    I took the lack of homicides or serious shootings during Burke's shift — especially given it was a Friday night — as a good sign. But it was only the first night.

    See the rest of the story at Business Insider

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    Miami king tide flooding

    Sea level rise is threatening coastal cities around the world.

    If you live in a city like Miami, New York City, or Charleston, the evidence is apparent if you head to the right neighborhood during high tides — especially those known as king tides. These are the highest tides of the year, and they coincide with full moons during spring and fall.

    King tides themselves aren't caused by sea level rise, but as the highest tides of the year, they show how sea level has already risen over the past century — the neighborhoods they flood on sunny days now didn't flood like this decades ago, even during high tides.

    More importantly, high and king tides are a preview of what's to come as seas continue to rise. What happens during particularly high tides now will happen on a regular basis in the future.

    As sea level rises, waters come back up through storm drains and wash over barricades. They flood houses and roads. And in many cases, they may be full of bacteria and potential pathogens.

    Most cities recognize the situation at this point and are doing everything they can to try to beat back the rising tides. But seas will continue to rise as warmer oceans expand and glaciers melt. It's likely that neighborhoods and even some cities will be uninhabitable far sooner than many think.

    SEE ALSO: Miami is racing against time to keep up with sea-level rise

    Annapolis, Maryland: Sea level is rising faster along the East Coast than in many places. In Annapolis, tides can cause the Chesapeake Bay to flood the city.

    Seattle, Washington: King tides sometimes cause Puget Sound to rise to discomforting levels in Seattle, as is shown here in 2011.

    Miami, Florida: Miami and other cities in Florida are experiencing some of the most severe sea level rise and tidal flooding.

    See the rest of the story at Business Insider

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    Husband and wife Neha and Sid Khattri were on the final leg of a four-week vacation when they found themselves in an inconvenient predicament: The Khattris had plans to visit LA's beaches before their flight home to New York, but had nowhere to leave their bags for the day. 

    Saddled with a month's worth of luggage, they decided to find a place to ditch their three oversized suitcases before heading to the beach. However, this quickly turned into what Neha Khattri described as a "mad scramble." Their Airbnb host declined to watch the bags for a few extra hours. The airline wouldn't take the bags early, either.

    "It ruined our day," Neha told Business Insider.

    In a moment of desperation, they decided to ask a local shopkeeper if they wouldn't mind watching the bags for a few hours in exchange for quick cash. They agreed — for the price of $20 per bag. $60 later, the Khattris had solved their problem, but were somehow more upset than ever.

    The couple decided to vent their frustrations into an entrepreneurial endeavor. Two years later, they launched Vertoe, the short-term luggage solution that the Khattris wish would have existed when they took their getaway.

    Vertoe has a booking process similar to that of Airbnb: The company connects shopkeepers with extra space to travelers in need of a short term storage spot. You can book your bags on Vertoe from anything between one hour to one month. (The company offers discounts for anyone storing their belongings for longer than a week.)

    Vertoe's daily rate is $6 per bag, whether you leave your luggage for two hours or for the entire 24. "We didn't want to make bookings in hourly segments because we thought people would find it too stressful," said Neha. 

    The only catch is that you're leaving your belongings with people you don't know. Most of the businesses that use Vertoe are mom and pop shops located in high-traffic neighborhoods, or stores in areas close to bus stations and airports with a little extra space to spare. However, Neha said that Vertoe has a strict vetting process that includes interviewing each shopkeeper, an inspection of the store, and a two week probation period.  Since Vertoe's launch in 2016, Neha said that they've only had to remove one shopkeeper. "He wasn't very nice to people," she said. 

    As another precautionary measure, Vertoe requires security cameras to be installed at each business's location and covers up to $3000 per bag in insurance costs. So far, Vertoe is only available in New York, but the company has plans to expand to more cities throughout the US. 

    Here's how Vertoe works: 

    To book your bags on Vertoe, go to the company's website and select a time and location when you'd like to drop off your bags. As a trial run, I made a booking for the earliest time available, which turned out to be 30 minutes out. I set my location for JFK Airport and said that I needed storage for only one hour.

    While most of the last minute options near JFK were about 10 miles away, there was one option that was less than a mile and a half away from the airport.

    Vertoe keeps the name of the business private until you book and enter you credit card information. But as you can see here, the site does tell you how close that business is to your destination.

    See the rest of the story at Business Insider

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    Johnny Manziel

    For every Peyton Manning or Von Miller in the NFL Draft, there is another former top prospect who didn't pan out.

    Whether they failed because of injuries, substance abuse, or just poor play, all of these players provide fascinating case studies of the NFL's demanding environment and the fleeting nature of athletic success.

    Below, read all about the 26 most notorious draft busts from recent NFL history. The group includes seven quarterbacks, 11 players taken among the first five picks, and 24 players who never made a Pro Bowl.

    Sam Belden contributed to this post.

    26. Maurice Clarett, RB

    School: Ohio State

    Selected: 101st overall, 2005 draft, Denver Broncos

    Played for: N/A

    Pro Bowls: 0

    Seasons as primary starter: 0

    One thing to know: This Ohio native was never the most coveted prospect out there, but his bizarre story makes him a noteworthy disappointment. After a futile attempt to enter the 2004 draft as a sophomore and the loss his NCAA eligibility for that fall, Clarett should have arrived at the 2005 combine with a chip on his shoulder. Instead, he posted lackluster times of 4.72 and 4.82 seconds in the 40-yard dash. Undeterred, the Broncos still made a ridiculous reach to get him in the third round, but they got their just desserts when he washed out of training camp and never appeared in an NFL game.

    25. Phillip Dorsett, WR

    School: Miami

    Selected: 29th overall, 2015 draft, Indianapolis Colts

    Played for: Indianapolis Colts, New England Patriots

    Pro Bowls: 0

    Seasons as primary starter: 0

    One thing to know: This Fort Lauderdale native still has time to turn things around, but at 25 years old, his leash is starting to tighten. He caught just 12 passes in 2017 after being traded to the Patriots. Bill Belichick has resurrected careers before, but in this case, he hasn't been able to work his magic.

    24. Johnny Manziel, QB

    School: Texas A&M

    Selected: 22nd overall, 2014 draft, Cleveland Browns

    Played for: Cleveland Browns

    Pro Bowls: 0

    Seasons as primary starter: 0

    One thing to know: Cleveland took Manziel after the 2012 Heisman winner sent a text instructing Browns quarterbacks coach Dowell Loggains to "hurry up and draft me because I want to be there." Alas, the Texan had a rocky tenure in the Buckeye State. In less than two years, he had checked himself into rehab, was accused of assaulting his girlfriend, and was ultimately released after throwing just 258 passes as a professional. He is now working on a comeback but will likely have to show he has grown up in the CFL.

    See the rest of the story at Business Insider

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    Traffic Jam

    • There's gridlock in the US equity market, with intra-stock correlations sitting close to their highest level on record.
    • Goldman Sachs has identified 14 stocks that are operating with a mind of their own and seem to offer a big upside.

    Stocks in the US market are increasingly following the herd, and it has created a huge dilemma for investors who prove their bona fides picking single companies.

    Goldman Sachs finds that stock correlations within the benchmark S&P 500 have surged into the 95th percentile since 1980. In addition, average three-month correlations have spiked by 43 percentage points since January, which is the fastest and biggest increase since the 1987 market crash.

    To put it in the simplest terms, this indicates that the US equity market is mired in a traffic jam in which almost everyone is stuck moving in the same direction. This makes it exceedingly difficult to generate returns when a broad move transpires, simply because there are so few outliers. Stock pickers loathe this correlation for these reasons.

    Screen Shot 2018 04 19 at 3.19.00 PM

    So how did we get here? For one, the rapid rise of exchange-traded funds and passive investing has resulted in traders buying and selling large swaths of the market at once, leaving little room for single-stock fluctuations. Goldman also notes that large pullbacks in stocks have been driven largely by valuation concerns, rather than individual company earnings.

    The firm knows it has become a difficult environment, and it's here to help. Its chief US equity strategist, David Kostin, has calculated a so-called dispersion score for each S&P 500 company, for which he factors in (1) the proportion of returns driven by company-specific factors and (2) Goldman's forecast of the volatility associated with the proportion of return attributable to those micro factors.

    "Stocks with high dispersion scores are more likely to have heightened responses to idiosyncratic news and present the best alpha generation opportunities," Kostin wrote in a recent client note.

    Goldman then takes its analysis a step further and identifies the companies within the high-dispersion universe that have the biggest upside to the firm's price target.

    Without further ado, here are the 14 high-dispersion stocks, arranged in increasing order of which ones have the biggest upside to current trading levels:

    SEE ALSO: The stock market's 'secret medication for longevity' has vanished — and that leaves it highly vulnerable to a meltdown

    14. Take-Two Interactive

    Ticker: TTWO

    Industry: Information technology

    Market cap: $11 billion

    Dispersion score: 2.7

    Upside to Goldman target: 37%

    13. Tyson Foods

    Ticker: TSN

    Industry: Consumer staples

    Market cap: $21 billion

    Dispersion score: 1.8

    Upside to Goldman target: 37%

    12. Broadcom

    Ticker: AVGO

    Industry: Information technology

    Market cap: $99 billion

    Dispersion score: 2.5

    Upside to Goldman target: 40%

    See the rest of the story at Business Insider

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    trump plaza jersey city new jersey climate change

    The world's sea levels are rising at faster and faster rates as waters warm and ice sheets melt.

    Researchers led by Steve Nerem, a professor of aerospace engineering at the University of Colorado Boulder, looked at satellite data dating back to 1993 to track sea-level rise.

    Their findings, published in the journal Proceedings of the National Academy of Sciences, show that sea levels aren't just rising, but that the rate has been accelerating over the past 25 years.

    Even small increases can have huge consequences, experts on climate say. If the worst climate-change predictions come true, coastal US cities from New York to New Orleans will be devastated by flooding and greater exposure to storm surges by 2100.

    The research group Climate Central has created a plug-in for Google Earth to illustrate how catastrophic an "extreme" sea-level-rise scenario would be if the flooding happened today, based on projections in a 2017 report from the National Oceanic and Atmospheric Administration.

    You can install the plug-in and see what might become of major US cities.

    SEE ALSO: 37 incredible drone photos from across the globe that would be illegal today

    In a worst-case scenario, flooding caused by polar melting and ice-sheet collapses could cause a sea-level rise of 10 to 12 feet by 2100, NOAA reported in January 2017.

    Here's Washington, DC, today, with the Potomac River running through it.

    And here's what Washington, DC, might look like in 2100, as seen on Climate Central's plug-in for Google Earth. Rising sea levels could cause the river to overflow.

    See the rest of the story at Business Insider

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    • This Earth Day, we take a look back at how bad things used to be.
    • Before the Environmental Protection Agency started regulating what we polluted into the nation's air, water, and land, things were dire. These photos show how bad it was.
    • Luckily, we've made immeasurable progress since then. But there's still a lot of work to do.

    As the story goes, on June 22, 1969, the chemical-filled Cuyahoga River in Cleveland burst into flames, possibly ignited by a spark from a passing train.

    That had happened at least dozen times before on the Cuyahoga. Additional fires were known to blaze up on rivers in Detroit, Baltimore, Buffalo, and in other cities.

    River fires were far from the only environmental disasters in the US at the time. A spill from an offshore oil rig in California coated the coast in oil and pollutants. Smog and car exhaust choked cities around the country.

    In the late 60s, Americans were growing more aware of the fact that unregulated pollution and chemical use were endangering the country and the people in it. People were ready for a change. 

    In his 1970 State of the Union address, President Richard Nixon said: "We still think of air as free. But clean air is not free, and neither is clean water. The price tag on pollution control is high. Through our years of past carelessness we incurred a debt to nature, and now that debt is being called."

    Nixon followed that up with a list of requests to Congress and later that year announced the formation of the Environmental Protection Agency, or EPA.

    Soon after it was founded, the EPA began a photo project called Documerica that captured more than 81,000 images showing what the US looked like from 1971 to 1977. More than 20,000 photos were archived, and at least 15,000 have been digitized by the National Archives.

    The EPA's role since then has varied from administration to administration. Right now, administrator Scott Pruitt is working to roll back a number of rules that were previously put in place to protect air and water. Pruitt has announced plans to kill the Clean Power Plan, the Obama administration's main initiative to fight climate change by lowering emissions.

    Under Pruitt, the EPA has also reversed a ban on a pesticide that can harm children's brains and moved to rescind the Clean Water Rule, which clarified the Clean Water Act to prohibit industries from dumping pollutants into streams and wetlands.

    Many reports suggest that Pruitt's primary aim is to eliminate most environmental protections and dismantle parts of the regulatory agency.

    But as a reminder of what the US looked like before many of the EPA's policies were in place, here's a selection of the Documerica photos from the 1970s.

    SEE ALSO: Half of the Great Barrier Reef has died since 2016 — here's what happens if all coral reefs on Earth die off

    Many of these photos show life in America at the time, but several also document concerning environmental issues.

    Smog, seen here obscuring the George Washington Bridge in New York, was a far bigger problem.

    Smog was common, as this shot of Louisville and the Ohio River from 1972 shows.

    See the rest of the story at Business Insider

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    coachella 2018 beyonce

    Coachella may be having its greatest year on record.

    Fans are losing their minds over one jaw-dropping show after the next at the annual music-and-arts festival hosted in Indio, California.

    Many on Twitter are even calling it "Beychella" after Beyoncé delivered not one but two headliner performances of a lifetime on consecutive Saturday nights.

    Here's what you're missing at Coachella 2018:

    SEE ALSO: Beyoncé gave what fans are calling the greatest show in history at Coachella — here's what happened

    DON'T MISS: Beyoncé and Solange fell onstage at Coachella and recovered like pros

    Let's just jump right in: Beyoncé slayed Coachella better than any artist in history.

    Read more: Beyoncé's Coachella set was the most-viewed live performance on YouTube in the festival's history

    Queen Bey brought out Destiny's Child, Solange, and Jay-Z for a truly inspired set.

    Read more: Beyoncé and Solange fell onstage at Coachella and recovered like pros

    It took no few than 100 backup performers, three months of rehearsals, and five costume changes. Critics and entertainers are calling it the GOAT Coachella show.

    Read more: Beyoncé gave what fans are calling the greatest show in history at Coachella — here's what happened

    See the rest of the story at Business Insider

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    Amateur_William Gray Netflix final

    Director Ryan Koo got himself the golden ticket when his directorial debut “Amateur” was bought by Netflix in the script stage to be one of its original movies. But the journey the movie took to get to the streaming giant’s millions of viewers was a challenging one.

    It’s a struggle to make every movie, but Koo can make the argument that he took on obstacles that most first-time filmmakers don’t.

    In “Amateur” (currently available on Netflix) we get a look inside what young basketball phenoms go through to get the attention of a big-time Division I NCAA school. Main character 14-year-old Terron Forte is a star on his school basketball team, but to get to the next level his family enrolls him in a shady prep-school. In doing so, we see firsthand the corruption behind youth athletics where the kids no longer play for the coach, or to get into college, or even the NBA — they play for the brands.

    To capture that authentic feel, Koo cast 15-year-old actor Michael Rainey Jr. in the role of Terron. And as he explained to Business Insider, what came with that decision were a lot of restrictions that, if navigated incorrectly, could have crippled the entire movie.

    SEE ALSO: The director of HBO's Andre the Giant documentary explains how he debunked some major myths and got Vince McMahon to cry

    The frustrations behind finding a lead actor

    Koo said a big reason why it took years for “Amateur” to get made was because of his insistence on having a real teen for the lead role.

    Not only would that mean that there would be production restrictions laid on him because he was working with a minor (more on that below), but he would have to find a kid who wasn’t just skilled at basketball, but had top acting skills to carry a feature film.

    “In basketball films you are working with an actor who probably had to learn how to play the sport for the role rather than come from a starting point of being a great basketball player themselves,” Koo said. “So I always assumed I was going to need to cast a basketball player who had never acted before.”

    The problem Koo found in his research is a skilled high school basketball player could potentially play in college. If he were to pay that person for being in the movie that person would lose his eligibility to play basketball in college, according to the rules by the NCAA which does not allow its student athletes to be paid.

    “You're talking about a weeks-long movie shoot as a full time job, which you can't pay your lead actor,” Koo said. “So we were on the phone with the NCAA a few times about this to try to figure out what we could and couldn't do and who we could cast.”

    Eventually Koo got extremely lucky and found an actor who had been a talented basketball player for years.

    Michael Rainey Jr. had been a working actor since 8 years old, starring along side Common in the 2012 movie “Luv” and the son of Sophia Burset in “Orange is the New Black.” But Koo learned that he had also played basketball as well, even running point on an AAU team.

    Rainey got the part and Koo teamed him with a basketball trainer to hone the moves he would show off in the movie.

    But things didn’t get easier for Koo going into production.

    The crew’s worst nightmare: Shooting a movie in “splits”

    It’s a term that gives movie crews the chills — splits. That’s when a production’s shooting day is split up between a daytime block and a night block. The “Amateur” production had to do this because it was shooting a movie with a minor, so he could only work 8-and-a-half hours per day with production required to stop at 12:30 am. And because high-school basketball games are played in the evening, there would be a lot of evening scenes.

    “That gives you very little flexibility to swap things,” Koo said. “You have to make the first half of your day because you're racing daylight, and we had a hard out every night at 12:30.”

    So most days would start with the production getting set up at noon on its Denver set, Rainey would show up on set at 3 p.m. and they would immediately begin shooting. They would break for lunch at 8 p.m., wait until it got dark, and then shoot the evening scenes until Rainey had to wrap at 12:30.

    And because Koo and his production were racing the clock daily, the “Amateur” production never had a company move (meaning packing everything up and moving to another location). That's a rarity for any movie.

    “We had no time,” Koo said. “So what we ended up doing was finding locations that we could use for many locations. In the movie it looks like Terron goes from this less well-off public school to a much nicer, posh private school. There's one school I used for at least four schools. In the gym we did painting and made it into different colors to make it look like they played in different gyms.”

    A 15 year old’s remarkable poise during the drama to get the movie’s final shot

    “Amateur” ends with a powerful scene where Terron breaks down and cries after thinking back on the experience he’s just gone through and what the future may bring.

    For the scene, Koo wanted Rainey to show real emotion and not have him do it with fake tears. Rainey was up for it, and everyone was set up to start the scene once he gave the sign to Koo that he was ready. Koo said all was going according to plan and he thought the scene was perfect when he said “cut.” However, there was one problem.

    “Our cameras didn’t work,” he said.

    They tried another take, and again, the cameras didn’t work. Though Koo said both he and Rainey were upset about what was happening, the director commends his young lead actor’s composure.

    “We got it on the third take,” Koo said.

    Looking back Koo can’t believe they pulled it off with all the restrictions against them. But he admits he would absolutely work with a teen as the lead in his movie again.

    “There is no substitute for the very real, very unique, emotions of youth,” he said. “I think that's why audiences respond to coming-of-age stories — we are aware, especially later in life, of how fleeting those moments were. We'll never be the same age again and we'll never get those feelings back. When I look at Michael in the film I feel privileged to have captured, and preserved, those emotions on-screen.”

    See the rest of the story at Business Insider