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The latest news on Features from Business Insider
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    Bella elana

    In an effort to wear more of my clothing items, I decided to dress like Bella Hadid for a week. The younger Hadid sister rocks a pretty casual street style that I can relate to. She’s often seen in sneakers, jeans, and leggings, which I find pretty relatable for someone who could be wearing high-fashion items on the regular.

    I picked seven outfits of hers and decided to give dressing like Hadid a try. Some big differences I recognized before beginning this project: 1. I doubted Hadid has to walk around much from place to place, whereas I don’t have a driver to transport me when I need to get somewhere; 2. Hadid is 5'9' and I am 5'4' (ish), and 3. I've got more hips, thighs, butt, and boobs going on, which surely affects how these outfits look on me compared to Hadid.

    But anyway, here's what dressing like Bella Hadid for a week was like for me.

    On my first day, I eased in with a casual and comfy tank, skirt, and sweatshirt combo.

    I wore a black-and-white striped crop top that I haven't worn yet since buying it on sale a year ago, a black mini-skirt with a slit like Hadid's, white sneakers, a grey sweatshirt tied around my shoulders, and sunglasses. I styled my hair straight like Hadid's as well.

    Since I work remotely, this is way more effort than I usually put into an outfit.  Plus, I usually don't wear mini-skirts in my everyday life. This skin-revealing outfit was a little unpractical for working. I've have been too self-conscious to wear the crop top since purchasing it because it's super short and I have to wear a strapless bra with it. And strapless bras are usually ill-fitting on me. Hadid likely didn't "need" to wear a bra with her top here, but there was no way I'd wear something like this sans-bra.

    The grey sweatshirt kept un-tying itself, so I didn't see that as very practical, either. I'm sure Hadid only wears most of her outfits to fittings and whatnot, so it does not need to "work" for the entire day — probably just for paparazzi shots of her walking into a car.

    I wore my sunglasses lower on my nose, to mimic Hadid's style, but Hadid wears hers on another level. I felt like they were going to fall off wearing them like she does. As for feedback, my mom said I looked like a model, so I already felt on my way to being successful in this challenge.



    On my second day of wearing Hadid-inspired clothing, I went for something with a tad more effort.

    I wore jeans, boots, and a belt to match Hadid's look. White t-shirts are my go-to to pair with leggings, but adding a belt, jeans, and boots to pair it with instead of the stretchy bottoms was an elevated look for me. I switched out Hadid's long-sleeve white shirt with a short-sleeve one since it is summer.

    I absolutely never wear boots during the summertime, so that definitely felt odd to pair with this outfit, but it looked fine.

    I worked out of a coffee shop that day, so I felt like it was the appropriate apparel compared to everyone else — pretty much other people wearing jeans, shirts, and blouses.

    It was my dad's birthday, so our family went out for dinner to celebrate. I wasn't a huge fan of eating an Italian meal in jeans.

    I'm unsure if I was channeling Bella Hadid, or if it was the cold brew and Diet Coke, but I was more productive that day than I'd been in months. I worked faster, smarter, and just got more done.



    On the third day, I was traveling, and tried to opt for something easy and comfortable.

    I wore black shorts, a white tank, yellow sweatshirt draped over my shoulders, black sneakers, sunglasses, and gold hoop earrings to mirror Hadid's look. I accidentally forgot to tie my hair up in a half-up, half-down style.

    To be completely honest, I felt naked walking around New York City in shorts this short. I usually reserve short-shorts for tropical vacations or visits to my hometown in South Florida, where skin-baring outfits are the norm. 

    The sweatshirt kept coming off of me – Bella Hadid, please explain your rationale for draping your sweatshirt over your shoulders.

    I ran into my sister's friend at the coffee shop where I was working, and I explained to him what this all was for and he didn't seem to think anything was out of the ordinary.

    I had to change into jean pants for the evening because I really felt so naked and uncomfortable being so exposed — and I was going out with a friend, and did not want to bar-hop in short-shorts.



    See the rest of the story at Business Insider

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    Costco Food 7

    • Costco's food court has attracted many fans.
    • Some of the Costco food court's biggest fans may be the employees themselves.
    • Employees say you don't even need to be a store member to grab a hot dog or a slice of pizza at Costco's food court.
    • The chain deliberately keeps prices low to better customers' shopping experiences.


    Costco food courts have a bit of a cult following.

    The retail chain is well known for hawking cheap eats that you can grab once you wrap up your shopping spree. But these food courts aren't just some tacked-on idea to help the store make a quick buck. They're kind of a big deal. In fact, in the pizza business, Costco is the 14th-largest pizza chain in the US.

    If you're looking to grab something tasty and cheap, it's definitely a good option.

    Costco employees have shared a number of tips that can help you make the most of your visit.

    Here are a few things you should know before you visit Costco's food court:

    SEE ALSO: 11 insider facts about shopping at Costco only employees know

    DON'T MISS: We ate at a Costco food court, and it was one of the best dining experiences we've ever had

    SEE ALSO: 12 Costco food court menu items employees swear by

    You don't always need a membership to eat there.

    A standard Costco membership, which costs $60 a year, can help a customer rack up huge savings.

    But you don't necessarily need one to grab a bite to eat at the chain. Nonmembers also have a chance to swing by the food court, Business Insider's Jessica Tyler reported.

    On Reddit, Costco employees said that, while the food courts are supposed to be members-only, the rule is rarely enforced in some stores.

    "When I was a greeter, we didn't care," wrote one Costco employee in a Reddit AMA. "A couple years later they changed it to require a membership. I think we're being lenient again."

    The food court is supposed to be a membership perk, so it's possible that you'll get turned away at the door if you show up just hankering for a hot dog. But if the food court is located outside, all bets are off.



    The food is incredibly cheap but still delicious — and yes, employees eat it.

    You get a ton of bang for your buck at Costco food courts.

    A hot dog and a beverage will cost you $1.50. A giant slice of pizza goes for $1.99, and a full pie is $9.95.

    When Business Insider's Hollis Johnson visited a Costco food court in Brooklyn, he ordered practically everything on the menu. The whole smorgasbord came out to just over $25.

    And what's more, the food's pretty good, considering the deal.

    "Costco's pizzas are pretty incredible considering the price," Costco worker Stefan Winter wrote on Quora. "Crust is yummy, toppings are good quality — what's not to love?"

    "I eat at the food court more then I would like too," an Ontario-based Costco employee told Business Insider. "It's so good! The cheapest menu I have ever seen. I love the pepperoni pizza. It's very cheesy with nice and juicy, crispy pepperonis."



    There are more great options other than the pizza or hot dog, and some depend on where you live.

    While Costco's pizza and hot dogs might be the chain's most famous selections, there are a number of other options, too.

    BBQ brisket sandwich, turkey-and-provolone sandwiches, a "confusing yet delicious" chicken bake, and massive churros are all on the menu, too.

    Regional and temporary menu items also include poutine, clam chowder, piña-colada-flavored smoothies, and fries.

    Former Costco employee Robert Lu wrote on Quora that he typically hits up the store's food court during his lunch break. His favorite menu staple was the $1.99 slice of combo pizza, followed by gelato.

    "Regardless of what you eat as the 'main course', the pistachio gelato — or any gelato — is to die for," he wrote.



    See the rest of the story at Business Insider

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    job interview work coworkers

    You want to be as prepared as possible for a job interview, but some questions you just can't plan for.

    Thousands of people on Reddit chimed in with responses to the question, "What is the hardest job interview question you've had to answer and how did you handle it?"

    INSIDER cannot independently verify these stories, but they're good to keep in mind if you're preparing for a job interview.

    Here's how nine people handled these especially tricky questions.

    "Why shouldn't we hire you?"

    "Them: 'Why shouldn't we hire you?'

    "Me: 'Because I care about my family more than my job, and if I have to choose between them and work, I'll choose them.'

    I got the job." - AgileCzar



    "You already applied for this job and didn't get it. Why should you get it this time?"

    "I applied for a management role in my first job when I didn't have any management experience, and got knocked back."

    "The person they hired failed miserably, and I went for it again about 3 months later.

    "They asked me 'So you applied 3 months ago and were turned down, why do you think you'll get it this time?'

    "I answered 'This is still my first job. Without leaving and becoming a manager elsewhere, I still have not been a manager. What I've done instead is taken every opportunity to gain the relevant traits you're looking for. So0[I] volunteered to coach the group of new starters we had. I took customer escalations where they've asked to speak to a manager myself and resolved them. Ive made myself a presence in the office so that if there is an issue and there isn't a manager around, staff come to me for help or advice. I'm doing small parts of the managers role every day.'"

    "I got the job, and in my feedback they said it was between me and someone else, and was incredibly close, but I got the job based on that answer, so I'm pretty proud of myself." - 136win136



    "What do you like about yourself?"

    "'What do you like about yourself?'

    "'Uh.'"

    "Didn't get the job." - MintberryCruuuunch



    See the rest of the story at Business Insider

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    Primark

    • Primark, a low-cost, European apparel chain, is the fastest-growing retailer in the United States, according to a report from the National Retail Federation's Stores magazine, which used sales data from Kantar Consulting.
    • The ranking is based on year-over-year domestic sales growth. In 2017, Primark pulled in $9.875 billion in sales worldwide. Its US sales are up 103% year-over-year as the company continues to expand along the East Coast. 
    • Primark has opened nine stores in the US since 2015 and has plans to open more. 

    Primark has already invaded Europe, and now, it has its sights set on the United States. 

    The low-cost, European clothing chain was ranked in the top spot on a list of the 100 fastest-growing retailers in America by the National Retail Federation's Stores magazine, which used sales data from Kantar Consulting.

    The ranking is based on year-over-year domestic sales growth. In 2017, Primark pulled in $9.875 billion in sales worldwide, and in the US specifically, sales are up 103% year-over-year.

    Primark is making a slow and steady expansion in the US. It has opened nine stores in the country since 2015 and has plans to open more. 

    Its expansion is timed well to take advantage of an explosion in value-oriented stores in the US. While department stores have suffered, off-price and dollar stores have experienced somewhat of a boom in recent times, enabling them to grow and add new locations across the country. 

    Experts say that the success of value-oriented stores can be attributed to larger social changes.

    "The middle is disappearing — low and middle-income customers increasingly shop at discounters and dollar stores, forcing retailers that once served these customers to close shop," analysts from intelligence firm Gartner L2 wrote in a recent report on department stores.

    Find out more about the company below:

    SEE ALSO: This cheap European clothing chain is coming for H&M and Forever 21 in America. Here's what it's like to shop there.

    Primark originates from Dublin, Ireland, where the store has a completely different name: Penneys. It first opened in 1969.

    When the company expanded to the UK in 1973, it was forced to change its name as the US department store, JCPenney, was already registered there. 

    The name Primark was born, and from then on, it was used for any of its stores that opened outside of Ireland. 



    Between 2006 and 2013, the company grew at a rapid rate, opening stores across Europe, in Spain, The Netherlands, Portugal, Germany, Belgium, Austria, and France. Sales rose by 150% between 2009 and 2014.

    Source: Primark and The Economist



    In 2015, it opened its first store in the US, in Boston, Massachusetts.

    At the time, analysts expected the store to pose a threat to rival US apparel stores such as Gap and Abercrombie, by undercutting them on price and offering a constant turnover of new styles. 

    A study done by Morgan Stanley in 2016 found that prices at Primark were, on average, 202% lower than average US apparel prices. 



    See the rest of the story at Business Insider

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    The Insider Picks team writes about stuff we think you'll like. Business Insider has affiliate partnerships, so we get a share of the revenue from your purchase.

    best undershirt

    The Insider Pick:

    • If you've been looking for the best undershirt for managing your sweaty pits, then the search is over.

    • The American-made Thompson Tee features a unique and effective "sweat guard" design that makes it the best undershirt you can buy for protecting your nice shirts from unsightly perspiration.

    If you regularly wear button-up shirts, then good undershirts are a must. Wearing an undershirt is one of the best ways to maintain and protect your nice shirts, particularly your dress shirts, from sweat and your deodorant, which can discolor the fabric and wear it out over time. By creating a barrier between your sweat and the underarms of your button-up, undershirts also help to ward off the dreaded "wet pits" look.

    Unfortunately, like many other everyday clothing items, a lot of guys treat undershirts as an after-thought. If you're looking for a better way to stay comfortable and protect your nice shirts, then you've found the right place. Before we get into our picks, however, here are some quick guidelines to follow when selecting an undershirt that's right for you:

    • Keep it fitted. Your dress shirts should be trim, not baggy and blousy, and so it stands to reason that you don't want big, billowy undershirts, either. Many brands today are offering slimmer modern cuts for their clothing, and undershirts are no exception. Go with something more tailored or even opt for snug-fitting stretch undershirts which hug your torso like a glove.
    • Avoid white. White is probably the most common color for undershirts. It's also probably the worst. We've all seen it: The guy wearing a white or blue dress shirt with his white undershirt sleeves shining through like the sun. This is because white is a high contrast color that shows up very easily under other materials. Play it safe and keep it gray. This low-contrast shade will blend in much more easily so you're not getting those unsightly "undershirt lines" under your dress shirt sleeves.
    • Go with a V-neck. People have a lot of opinions about men sporting V-necks for casual wear, but for undershirts, it's pretty much a requirement – especially if you're going sans necktie, which you'll probably do fairly often. Having the top your undershirt peeking out behind your dress shirt collar screams "my mom made me wear a button-up shirt today," but a V-neck cut keeps it nicely out of view below the neckline. If you already have a bunch of crew-neck undershirts, relegate them to casual wear or toss 'em.

    Keeping these guidelines in mind, we've done the research and smoked out the best undershirts for men that you can buy today. Undershirts are fairly straightforward pieces of clothing, but we've made sure that our top picks cover a range of different styles, fabrics, and price points so you can find the right one for your tastes and budget.

    Here are the best undershirts you can buy:

    Read on in the slides below to check out our top picks.

    The best undershirt overall

    Why you'll love it: With soft and breathable natural fabric, a trim cut, an under-arm sweat guard, and all-American construction, the Thompson Tee V-neck is the last undershirt you'll ever need to buy.

    Arguably the main reason to wear an undershirt is to prevent your sweaty pits from showing through your nice button-up shirt by putting a layer between your skin and your clothing. Managing sweat while looking nice is an ever-present challenge in the summer (especially in a suit), but even in the cooler months, your body can get pretty warm when you're indoors wearing long-sleeved shirts and suit jackets.

    If this is a particularly big problem for you, then even a normal undershirt may not be enough. Enter the sweat guard from Thompson Tee. Its unique design is purpose-built to target the biggest problem area for perspiration, the under-arms, with a second layer that serves as a "sweat pad" to put some more material and distance between your skin and your nice shirt.

    The trim cut is form-fitting and long enough to tuck, too, while the V-neck is suitably deep so it won't be peeking out from under your shirt collar.

    Another thing we like about the Thompson Tee is that it's woven of soft combed cotton, with the under-arm "sweat pads" made of bamboo-derived rayon with a touch of spandex for stretch and flexibility. This is a plus, as natural fibers like cotton will almost always breathe better than synthetic fabrics like polyester and nylon.

    Even better, the Thompson Tee is 100 percent made in the United States. You'll pay for it, though. The Thompson Tee undershirt rings in at around $30 on Amazon, but it's worth it. If sweat is a problem and you're looking for the "holy grail" of undershirts, then this is probably the last one you'll ever need to buy.

    Pros: Made in America, woven of soft combed cotton with a bamboo-derived rayon sweat guard, the unique design is highly effective at managing under-arm sweat, and it's got a great form-fitting cut

    Cons: It's fairly expensive

    Buy the Thompson Tee sweat guard undershirt on Amazon for $33



    The best undershirt multi-pack

    Why you'll love it: If our other picks cause sticker shock, these soft, lightweight, no-nonsense undershirts from David Archy are an excellent and super-affordable alternative.

    One of the general rules of menswear is to avoid synthetic fabrics. While this is good advice, it mostly applies to larger, nicer outer garments such as shirts, slacks, business suits, sweaters, and so on. For clothing items like these, synthetics are typically used to cut costs rather than for any particular qualities.

    Although synthetic fabrics have a bad rap in the menswear scene, they do confer some advantages for certain pieces of clothing. Synthetics are durable, they dry quickly, and they're useful for garments where you want some stretch such as socks or athletic wear.

    Modal in particular is a semi-synthetic fabric well-known for its softness and elasticity. Modal is actually a form of rayon, which is made from cellulose in contrast to more common polymer-based synthetics like nylon. It's also more breathable, with these characteristics combining to make it the perfect candidate for undershirts like these ones from David Archy.

    David Archy undershirts are made of a soft micro-modal fabric with a touch of elastane. Micro-modal is silkier than plain modal fibers — it's even softer to the touch than cotton — and offers moisture-wicking properties that manage sweat and let it dry quickly instead of soaking up moisture. It's thin and light without being transparent, although it's best to tumble dry these and then hang them up damp to air-dry rather than drying them with heat.

    The V-neck is suitably deep and the David Archy shirts are slimmer than most other multi-pack undershirts from popular brands like Hanes, the cuts of which tend to be a bit boxier than most, but these undershirts don't have much of a taper in the body. You may want to consider sizing down if you're between sizes. The sleeves are also nice and slim-fitting so you don't get a bunch of material bunching up around your arms under your dress shirt.

    Pros: Made of a breathable and soft micro-modal fabric, the cut is fitted and long enough to stay tucked, and they're a solid value at about $13 per shirt

    Cons: The fit is nothing special, and the micro-modal shouldn't be put in a hot dryer cycle

    Buy the David Archy micro modal undershirt (3-pack) on Amazon for $40



    The best quick-dry undershirt

    Why you'll love it: If you need an extra hand dealing with body sweat, then the Uniqlo Dry tee is a great alternative to all-cotton options.

    All of our picks, be they made of natural of synthetic fabrics, are good at helping you to manage body heat. But if your engine runs particularly hot or you live in an area that can get especially sultry in the summer, then materials like cotton or modal might not provide enough relief.

    The Thompson Tee sweat guard undershirts are great, but the sweat pad design places thicker material under your arm. If you need something lighter and specifically made to be quick-drying, then Uniqlo has you covered with its aptly-named "Dry" line of cotton/polyester shirts.

    Don't let the polyester scare you: The Uniqlo Dry V-neck shirt isn't some stiff plastic-feeling number. It's actually mostly light and breathable cotton woven with some polyester, which is what provides the moisture-wicking and quick-drying properties of the shirt with the cotton leaving it feeling like your favorite broken-in tee.

    Note that the Uniqlo Dry V-neck shirts are not designed solely as undershirts and are cut and sized like normal tees. Consider sizing down for undershirt use, as their lightness, softness, moisture-wicking properties, and quick-drying fabric make these perfect for this. And, at only $6 a pop, they're by far the best value of all of our top undershirt picks.

    Pros: Lightweight cotton/poly blend material is moisture-wicking and quick-drying, and it's an incredible value at $6 per shirt

    Cons: The tee-like cut is more boxy than our other picks

    Buy the Uniqlo Dry undershirt for $6



    See the rest of the story at Business Insider

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    Grimes Elon Musk

    Elon Musk and the indie musician Grimes took both the business and music worlds by surprise in May when they first revealed they were dating.

    Since then, Grimes, whose real name is Claire Boucher, has also found herself involved in some of Tesla's narrative.

    That narrative has gotten increasingly complicated in the weeks since Musk tweeted out his interest in taking the electric car company private, and wrote the two words that have resulted in hundreds of headlines and even an SEC investigation: "Funding secured."

    In the wake of the now-famous tweet, rapper Azealia Banks reportedly spent a weekend at Musk's house while waiting to work on a collaboration with Grimes, which is where things get even more complicated, but more on that later.

    Now, the Tesla CEO's relationship with Grimes could be on the rocks, as the two appear to have unfollowed each other on Instagram, and Musk has unfollowed Grimes on Twitter.

    Here's a look at how their relationship has progressed from the beginning:

    Claire Boucher, better known by her stage name Grimes, is also a producer and outspoken advocate for female artists and their treatment by the press and music industry. She's released multiple albums to critical acclaim, and her breakout album, "Visions," won the Juno Award for Electronic Album of the Year.



    She first met Elon Musk over Twitter. Musk was planning to make a joke about artificial intelligence — specifically, about the Rococo Basilisk character in her "Flesh Without Blood" video — and discovered she had beaten him to the punch.



    In May, shortly before the Met Gala, Page Six reported that the pair had been "quietly dating" for a few weeks.



    See the rest of the story at Business Insider

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    man upset car driver driving angry frustrated sad

    • To find the worst drivers in the US, SmartAsset gathered data on each state based on the number of drivers with insurance, number of DUIs per driver, and the average number of deaths per miles driven.
    • The study also looked at how often residents Google terms like "traffic ticket" or "speeding ticket."
    • Five of the top 10 states with the worst drivers are in the South.
    • Mississippi takes the top spot as the state with the worst drivers — roughly 1.7 people die for every 100 million miles driven.
    • The national fatality rate per 100 million vehicle miles has fallen by 32%, according to the National Highway Traffic Safety Administration.

    Most drivers probably have a few candidates in mind when they picture the worst drivers in the country. Often it's drivers from a neighboring state invading their lane, but some states carry a nationwide bad-driving reputation. So while it is perhaps fun to joke about the bad road etiquette of certain motorists, bad accidents and negligent driving are no laughing matter. From serious injury to car repairs draining savings accounts, living somewhere with bad drivers can have a serious negative impact on your life.

    Below we rank the states with the worst drivers. To do this, we look at a total of four metrics. We look at the percent of drivers with insurance, number of DUIs per driver, average number of deaths per miles driven, and how often residents google terms like traffic ticket or speeding ticket. Check out our data and methodology below to see where we got our data and how we put it together to create the final ranking.

    This is SmartAsset's second annual study on the states with the worst drivers. See the 2017 edition of the study here.

    Key Findings

    • The South speeds ahead – Five of the top 10 states with the worst drivers are in the South. These states tended to have the highest fatality rates and lowest auto insurance rates.
    • Fatality rates are falling nationwide – According to the National Highway Traffic Safety Administration, fatalities and fatality rates are falling. In 1994 around 40,700 people were killed in auto accidents compared to 37,500 in 2016. Meanwhile the fatality rate per 100 million vehicle miles has fallen by 32% over that same time period. Every state saw a decline in their fatality rates from 1994 to 2016. However, some states like Arizona saw their 2016 fatality rate (per 100 million vehicle miles traveled) surpass their 2015 rate.

    SEE ALSO: NYC is poised to start a pilot program that would make yellow cabs more like Ubers

    1. Mississippi

    Mississippi takes the top spot as the state with the worst drivers. According to our data, this state has the second-most deaths per 100 million vehicle miles driven. Roughly 1.7 people die for every 100 million miles driven. Insurance rates in Mississippi are also fairly low, which raises the chance that an accident will lead to someone paying for repairs out of pocket. Those high, unexpected costs can really take a toll on the checking accounts of Mississippi drivers. Google Trends data also suggests quite a few drivers run afoul of the law. Mississippi has the 11th highest search volume for ticket offenses.



    2. Tennessee

    Another Southern state comes in second. Like Mississippi, Tennessee has low coverage rates for auto insurance. It also has elevated rates of DUIs and fatalities per 100 million vehicle miles traveled. Tennessee ranks fifth for percent of uninsured drivers, 19th for DUIs per thousand drivers and 16th for people killed per 100 million vehicle miles traveled. In fact, Tennessee ranks in the top 20 in every metric. But it is only the lack of top 10 scores that drops Tennessee to second.



    3. (tie) California

    The Golden State comes in third. The biggest metro areas here are known for their bumper-to-bumper traffic, which makes life behind the wheel frustrating. According to our data, there is more to worry about than just the traffic. California ranks 12th for DUIs per thousand drivers and 11th for percent of uninsured drivers. One piece of good news is the relatively low fatality rate. California ranks 32nd for number of people killed per 100 million miles driven.



    See the rest of the story at Business Insider

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    credit score

    • credit score is a number, used in countries like the US and Canada, which aims to predict your likelihood to meeting financial obligations like paying back a loan.
    • Having a low credit score can make it harder and more expensive to get a mortgage, for example.
    • Mant countries do not have a credit score system like the US, instead only tracking negative credit marks rather than tracking positive ones.

     

    In the US, a good credit score can feel like a key determinant of success. It defines how good an interest rate you can get on a car loan or mortgage, the quality of credit card you can get approved for, or if you'll get approved for any credit at all.

    The better your score, the better the perks. A bad score can become a black mark that leads to missing out on the home you want (credit checks are a common aspect of apartment applications), higher car insurance rates, or even difficulty getting a cell phone, according to Nerdwallet.

    But as monolithic as the credit score seems, many countries in the world handle credit very differently — with many having no credit score system at all.

    Here's how 10 countries deal with credit, and how they score your financial worth.

    SEE ALSO: A financial planner shares an 8-step plan to paying off your credit-card debt

    1. Japan

    Japan "doesn't have an official credit scoring system," according to Matthew Hague, a certified financial planner who lived in Japan and now often works with American expats in Japan. Your U.S. credit won’t matter unless you bank with an international bank that has an existing relationship with a counterpart in Japan, he told Business Insider.

    Credit in Japan is usually between the consumer and the bank, and is based on factors like length of employment and salary.

    "Some banks are OK lending to foreigners; some are not," Hague explains. "More traditional banks wouldn't even bother delocalizing their websites. If you can't read Japanese or fill out the forms in Japanese, you can't get credit."



    2. United Kingdom

    Travel to the United Kingdom, and there's a credit system much like the credit scoring system in the US. The UK has three major credit agencies, Equifax, Experian, and Callcredit (Noddle), according to The Telegraph.

    Each agency scores you differently. Experian uses a 0-999 point scale (you'll get the best rates from having a score of 961-999), Equifax issues a score within the range of 0-700 (466-700 is ideal), and Callcredit provides a score of one to five, with five as "excellent" credit.

    Similar to the US, UK consumer credit is based on factors like your payment history, age of accounts, and credit utilization, UK debt solution provider Harrington Brooks reported.

    But the system has its differences, too: Getting on the electoral register to vote (or explaining why you're not eligible to) can help you improve your credit in the country, according to Experian UK.



    3. The Netherlands

    In The Netherlands, a person with a steady income who isn't defaulting on any existing debts (like missed bill payments) is generally likely to be judged creditworthy.

    Unpaid debts are registered to the Bureau Krediet Registratie (BKR), the governing credit registry bureau, finance consultant Peter Gibney told Just Landed.

    If you do end up with a negative mark, you could have it for the long haul. Negative marks on the BKR disappear five years after the initial debt is discharged, according to the BKR.



    See the rest of the story at Business Insider

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    new girl laundryFor many people, cleaning isn’t exactly enjoyable, it’s just a necessary chore. So you might be pleased to hear that, in some cases, there might be some things that you can actually do less frequently because you’re cleaning them too often right now.

    You might think that there’s really no such thing as cleaning something too often, but that’s actually not true. In some cases, over-cleaning some of the items in your home can cause them to wear more quickly or otherwise potentially harm them. Make a note to only clean these things every so often.

    1. Over-cleaning wood furniture can actually hurt it.

    Taking a soft dry cloth and wiping down your wooden furniture isn’t something about which you really have to worry, but if you always spray it with a cleaner when you’re wiping down wooden pieces, you definitely need to be a bit more careful about how often you’re cleaning it.

    In a blog post on its website, Halifax-based Mrs Mopps Cleaning Services noted that wood spray polishes can actually trap dust, which, of course, is pretty much the opposite of what you were trying to do. If you’re using a wood polish, make sure you’re doing so sparingly.



    2. If your kids’ toys are only used in the bath, you don’t need to clean them daily.

    Though kids’ toys definitely do need to be fairly regularly cleaned, if their bath toys are relegated to the bath and don’t ever leave it, they don’t need to be cleaned every day. Martha Stewart magazine reported that dunking bath toys in diluted white vinegar about once a month should be enough to keep them clean.



    3. Careful not to over-clean carpets — it’ll ruin them.

    Yes, it is possible to clean your carpet too frequently. Vacuuming the rugs and carpeting in your home is something that you can and should do regularly, but if you’re having things professionally cleaned, you need to be more careful.

    In a post on its website, Wilburn Company said that professional cleaning methods can cause a lot of wear and tear on the fibers in the carpeting, damaging the carpet and making it get dirtier more quickly. That’s not what you were hoping to do.



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    powerful women

    History is full of incredible female role models who push boundaries, break glass ceilings, and achieve groundbreaking victories in own their careers and for humankind as a whole.

    Keep scrolling to see the powerful woman who was changing the world the year you were born.

    1949: Simone de Beauvoir

    "The Second Sex" by Simone de Beauvoir remains a classic feminist text about the treatment of women throughout history. The first volume, which came out in 1949, sold 22,000 copies in its first week, according to The New York Times.



    1955: Rosa Parks

    Rosa Parks was an activist long before she refused to give up her seat for a white rider in 1955 — she was the secretary of the Montgomery chapter of the NAACP.

    "People always say that I didn't give up my seat because I was tired,"she wrote in her autobiography, "but that isn't true. I was not tired physically … No, the only tired I was, was tired of giving in."

    Her arrest sparked a bus boycott, and, as a result, the Supreme Court ruled bus segregation unconstitutional in 1956.



    1960: Jackie Kennedy

    Jackie Kennedy's sense of style and display of strength in the face of tragedy made her one of the most iconic and beloved First Ladies of all time. During her time as First Lady, she restored the White House and gave a televised tour watched by 80 million people.



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    Seismogram V Carl Krull

    Danish artist Carl Krull, who is based in Copenhagen, creates mind-bending drawings that look three-dimensional. 

    "I know I draw in an almost sculptural manner, and my expression is of a topographical nature," he told INSIDER.

    Keep reading to see examples of Krull's work and learn more about his artistic process. 

    The son of artists, Krull grew up surrounded by art.

    His Danish father and Polish mother met at the Jan Matejko Academy of Fine Arts in Krakow, Poland. Following in their footsteps, Krull attended the Academy in the '90s for a Master's program. 



    "Most kids stop drawing at some point, maybe because they see that grownups generally don't really draw anymore," Krull said.

    But he never stopped.



    But for Krull, drawing remained a part of his identity into adulthood.

    "My ambition has never been to become an artist, but rather I focus on what kind of an artist I want to be," he said.



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    woman eating salad

    • Dining out is difficult on certain diets, but that's not the case with keto
    • Your chances of finding something keto-friendly on the menu are high no matter where you go.
    • From burger joints to Thai restaurants, here's what to order if you're dining out on the keto diet.

     

    The following is an adapted excerpt from "Simply Keto" by Suzanne Ryan:

    One of the great things about the ketogenic diet is that you can find something keto-friendly to eat at almost any restaurant. I've been on a number of diets in the past that made it nearly impossible to dine out, which I now realize wasn't livable or realistic.

    But on keto, no matter where you go, you can almost always find something on the menu, either as presented or with a few simple modifications. Here are some of my favorite finds.

    American

    Bunless burgers, sandwiches without the bread, bunless cheesesteaks, salads, side of avocado, side of pickles, sautéed veggies. If the restaurant serves breakfast, you can order eggs, bacon or sausage, and cheese; just ask for no bread/biscuit/muffin.



    BBQ

    Pulled pork, brisket, sausage, ribs, smoked chicken, collard greens or other nonstarchy veggies, salads. The trick is to ask for no barbecue sauce on your meat. If you want to be extra-careful, you can even ask if the seasonings/rubs are sugar-free.



    Breakfast/brunch

    Omelets, eggs benedict (substitute avocado slices for the English muffin), eggs with bacon and avocado, steak and eggs.



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    26 glow season 2.w1200.h630

    Netflix has begun to cancel shows, but that doesn't mean it's getting rid of your favorites.

    39 Netflix original series will be returning with new seasons in the near future.

    Only a few of the series have official release dates, including the upcoming season premieres of "Marvel's Iron Fist" and "Ozark."

    On Monday, Netflix announced the renewal of its critically acclaimed original comedy series "Glow" for a third season.  

    Other hit shows that have been renewed by the streaming service, like "Stranger Things" and "Black Mirror," are either in production or awaiting release.

    For this list, we have included only renewed Netflix series that are yet to air, and we've included official release dates if applicable. We've excluded children's shows and reality series.

    Here are the 39 Netflix original series that are coming back for another season:

    SEE ALSO: All 73 of Netflix's notable original shows, ranked from worst to best

    "Ozark" (Season 2) — Premieres August 31

    Date renewed:August 17, 2017



    "Marvel's Iron Fist" (Season 2) — Premieres September 7

    Date renewed: July 22, 2017



    "BoJack Horseman" (Season 5) — Premieres September 14

    Date renewed: September 21, 2017



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    nvidia jensen

    • NVIDIA announced three new additions to its graphics card lineup Monday — the RTX 2070, RTX 2080, and RTX 2080 Ti. 
    • The new RTX series, powered by Turing GPU architecture, is designed to provide better lighting and shadow effects through 'ray tracing' technology. 
    • As usual, they're expected to be an upgrade from previous cards, and should give better performance — particularly for gamers, graphic artists, and special effects wizards. 
    • The two higher-end cards are available for presale on NVIDIA's website, starting at $799. The cheapest, the $599 RTX 2070, isn't yet available for preorder. 

    After a wave of leaks and speculation, NVIDIA has revealed the three latest additions to its graphics card lineup. 

    During a livestreamed event before Gamescon 2018, NVIDIA CEO Jensen Huang announced the new RTX series and 2000 generation of cards, detailing the RTX 2070, RTX 2080, and RTX 2080 Ti.

    The cards, two of which are available for presale on NVIDIA's website, are designed to provide better rendering of shadows and lighting, and are expected to be an upgrade from the previous generation of cards — as usual. 

    Jensen highlighted the 'ray tracing' technology within the new cards, which NVIDIA says will provide faster and better lighting effects in games and renders. 

    'Ray tracing' is something NVIDIA says it has been working on for 10 years. It's a process that simulates light in real time, which is supposed to result in more accurate and realistic reflections, refractions, and lighting effects. In theory, it could push computer graphics way forward. 

    Here's what each card looks like, their specs, and their prices:

    The RTX 2070 is the first and cheapest card in the 2000 series.

    The Founders Edition RTX 2070 will have 8 GB of GDDR6, and a Boost Clock of 1,710 MHz. It's priced at $599. 

    Full specs can be found here. It's not yet available for pre-order.



    The RTX 2080 is the middle-range card of the three, and is available for pre-order.

    The Founders Edition RTX 2080 will have 8 GB of GDDR6, and a Boost Clock of 1,800 MHz. It's listed for $799.

    Full specs can be found here. It's now available for pre-order.



    The RTX 2080 Ti is the flagship card of the new lineup, and has the beefiest specs — and price.

    The Founders Edition RTX 2080 Ti will have 11 GB of GDDR6, and a Boost Clock of 1,635 MHz. It's listed for $1,199.

    Full specs can be found here. It's available for pre-order. 



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    woman thrift shopping

    There are certain things, including bike helmets, car seats, and makeup, that you should absolutely never buy used.

    But you don't always need to shell out the extra money for a brand new item. 

    Here are six things it's perfectly fine — or even better — to buy used.

    1. Designer clothing

    You don't need to pay full price for expensive designer clothing. More and more people are choosing to buy high-end clothes and accessories secondhand.

    If you check out sites like Ebay and thredUp, or apps such as Poshmark and LetGo, you can often find pricey pieces for a fraction of the cost.

    You can also scour vintage stores in person, but you're better off going online if you're seeking a specific item.

     



    2. Books

    It's good to support your favorite authors by buying their books new, but if you're someone who reads a lot and can't always afford to pay $25 for the latest hardback, it's not a bad idea to go the secondhand route.

    Not only does this save you some cash, but buying used books can support local bookstores. 

    You can also find thousands of used books on Amazon Marketplace for as little as a penny plus shipping, according to Cheat Sheet.



    3. Sporting goods

    Whether it's a bicycle, a fishing pole, or a kayak, recreational gear can be costly when new, but it loses its value quickly, as Brandon Ballenger wrote in Money Talks News.

    That means you can probably score a deal from someone who just wants to get something out of the way.

     



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    makeup artist illusion 12

    Romanie-Jade Tulloch, a 19-year-old makeup artist, combines her love of makeup and art to create mind-boggling optical illusions that will make you do a double take.

    Her Instagram account, @cakefacerj, features all of her makeup looks, which often employ bright colors and bold lines. She hopes to inspire young people to be creative and take risks with their makeup.

    Here are some of her most mesmerizing looks.

    Tulloch has always loved art.

    In an interview with INSIDER, Tulloch said she officially started doing makeup last July, with the hopes of becoming a freelance makeup artist.



    In fact, she went to school to study fine arts.

    Tulloch was home educated by her mom, then studied fine arts in college for two years.



    Since she's also always been into makeup, her transition into using cosmetics was natural.

    She experimented with many unique eyeshadow looks.



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    supreme ebay

    • Teens are obsessed with Supreme, a skater brand that has seen mainstream success in recent years.
    • Supreme has garnered a lot of attention in the last week after copies of the New York Post with Supreme ads on the cover flew off the shelves. Almost all Supreme products sell out instantly.
    • There is a huge market for reselling Supreme products because of the extremely high demand. Some fans who shared their stories with Business Insider said they are able to make hundreds of dollars a week by flipping products they're able to buy before they sell out. 

    Supreme, Gen Z's favorite skater brand, has become a source of income for some savvy shoppers. 

    Supreme was founded in 1994 by James Jebbia and has since grown from a skater-centric brand to a mainstream apparel brand with its own cult following. The brand ranked seventh among upper-income teens' favorite brands in a spring 2018 survey by Piper Jaffray, and in 2017, Supreme received a roughly $500 million cash infusion from The Carlyle Group, which valued the brand at $1 billion.

    Last week, loyal fans snatched up copies of the New York Post that featured a wraparound Supreme ad on the cover. The papers, which typically costs $1.50, flew off the shelves. Copies of it are now listed on eBay for many times its normal listing price

    There's a huge market for reselling Supreme products because of the extremely high demand. Some fans are able to make hundreds of dollars a week by flipping products they're able to buy when they're released in product launches called "drops."

    But because of how quickly products sell out, people who flip them have to prepare.

    "During Supreme season, I'm constantly researching, buying, and selling — it usually doesn’t stop until the season is over," 21-year-old Supreme fan Jake Morell told Business Insider.

    Morell says he typically makes as much as $600 per month throughout a season, which includes one drop a week from August to December. 

    We spoke to two Supreme fans who flip products and make hundreds of dollars each week. Here's how they do it:

    SEE ALSO: Gen Z is obsessed with Supreme, the skater brand that sells out within seconds. Here's what it's like to go to one of its heavily hyped launches.

    Supreme has two seasons: Fall/Winter and Spring/Summer. New products are released in events called "drops" every Thursday throughout the season, and they usually sell out within seconds online.

    Source: Business Insider



    Before drops, people who flip Supreme typically do hours of online research to see what products will be coming out, what products people like or dislike, and what is predicted to have the highest resale value. One website fans use is Supreme Community, which leaks the details of product releases before they happen and allows users to vote on their favorite products.

    "On the Supreme Community website, when you look at each drop, they have a voting system — underneath each picture of an item, you can see if it has thumbs-up or thumbs-down ratings, like on Rotten Tomatoes," Christopher Young, a 21-year-old who says he makes as much as $300 per week flipping Supreme products, told Business Insider.

    "That gives you a general idea of, 'Oh, this is something that people really like, or this is something people don't really like.'"



    Because of how quickly products sell out, people who flip Supreme products practice using the website to make sure they can buy the most-wanted items before they're gone.

    "You have to go on in advance and figure out what section your item is going to be in — is it going to be in 'tops' or in 't-shirts?' Is it going to be in 'accessories' or in 'bags?'" Young said.

    Morell said that he is usually on the computer, waiting, at least 30 minutes before everything goes on sale.



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    bridesmaids movie

    Wedding movies are one of the most fun micro-genres around. Who doesn’t want to attend a fantasy celebrity wedding from the comfort of your couch?

    Although wedding-set films have been overused in some of the more cliche romantic comedies, there are a few films that do the genre so right, you’d think you were a guest at the wedding ceremony.

    If you’re preparing for your own wedding or just want to bask in the cinematic glow of a well-crafted love story, here are 16 of the best wedding movies of all time.

    "My Best Friend’s Wedding" (1997)

    Julia Roberts stars in this iconic feel-good romantic comedy about a woman who realizes she’s in love with her male friend as soon as he announces he’s getting married. Roberts spends the film trying to sabotage his happy union in this shockingly realistic portrayal of unrequited love. At its heart, "My Best Friend’s Wedding" is a movie about friendship.

    The Guardian said the film is "simple but effective, cheesy but hilarious, this 1997 romcom has important lessons to teach about life, love – and desserts." 



    "Bridesmaids" (2011)

    Kristen Wiig launched a thousand gifs when she starred in "Bridesmaids." The movie tells the story of a woman whose best friend gets engaged right when her own life is seemingly falling apart and her valiant, but fraught, effort to be the best maid of honor. Although the actual wedding scene is just a quick moment during the climax, this story is a hilarious send-up of the chaos that bridal parties often are.



    "The Wedding Banquet" (1993)

    Director Ang Lee’s breakout film — "The Wedding Banquet"— is about a gay man in a happy relationship who succumbs to his parents pressures to have a traditional and lavish Chinese wedding. Only problem is, he’s not out and his parents marry him off to a woman desperate for a green card.



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    candy crush

    New data from mobile research firm Apptopia shows how many hours Android and iOS device sunk into the most popular smartphone games — and there were a few surprises on the list.

    Most notably, the data reveal that "Fortnite: Battle Royale," the international sensation, still claims fewer playing hours than years-old games like "Clash of Clans" and "Candy Crush Saga." However, it's worth noting that "Fortnite" wasn't even available on Android during the time covered by the report, and still made a strong showing for itself.

    The data shows how many hours the game was played worldwide, across both Android and iOS devices, between the May and July of 2018. The list includes two battle royale titles, a few "Bejeweled"-inspired color-matching games, and a handful of games for younger children. 

    As a heads up, every game on this list is free to download, largely relying on in-app purchases and subscriptions to make money.

    Here are the top mobile games, ranked by the total number of hours users spend playing them:

    SEE ALSO: The most famous Fortnite streamer said he won't play with women, and it's raising some serious questions about the cost of internet fame

    Aquatic-themed puzzle game "Fishdom" starts off our list with 1.51 billion hours played from May through July of 2018.



    "PlayerUnknown's Battlegrounds Mobile" is the free-to-play smartphone version of the popular battle royale game, and takes ninth place with 1.52 billion hours played.



    "Slither.io" is the perfect simple, low-pressure game for players who enjoy the cult classic "Snake" and just want to kill a few minutes on a bus ride or while waiting in line. "Slither.io" users played for 1.54 billion hours.

     

     



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    The Insider Picks team writes about stuff we think you'll like. Business Insider has affiliate partnerships, so we get a share of the revenue from your purchase.

    Bombas

    • Popular sock startup up Bombas wants to make sure you never lose your socks again with a new Laundry Back Guarantee.
    • Any customer who loses a sock that is purchased between now and November 15, 2018, can receive a replacement pair for free.
    • In addition to the brand's premium quality and pledge to donate a pair for every purchase, the Laundry Back Guarantee makes Bombas the smartest place to shop for new socks.

    No matter what brand you buy or how much you pay, socks are, hands down, the most fleeting articles of clothing in your drawer or closet. You wear them together, you take them off together, and you wash them together — but no matter how hard you try to keep them as a pair, somehow, one of them always goes missing.

    The only plausible explanation for this is an omnipresent black hole. It's unclear if it exists in your laundry basket or the washer machine, but what we do know is that once your sock is gone, there's no coming back.  Your drawer will eventually become filled with lonely single socks or mismatched pairs.

    But sock startup Bombas is remedying the missing sock plague with a new Laundry Back Guarantee. Any customer who loses a sock that is purchased between now and November 15, 2018 will receive a brand new pair, free of charge. The guarantee is valid within one year of the purchase date. All you have to do to get your free replacement pair is show proof of purchase, with no other questions asked. 

    Bombas

    Being able to rest assured that your socks are safe as a pair is only one of the many reasons why Bombas has become a cult-favorite brand. Most notably, Bombas upholds a very high level of quality to create comfortable, long lasting socks. The brand spent two years developing the ultimate socks by using key features like long staple cotton, a proprietary Honeycomb Arch Support System, Performance Footbed, Y-Stitched Heel, and Invisitoe. 

    On top of that, for every pair sold, Bombas will donate a pair to someone in need. Since the brand launched in 2013, they've donated more than 8.6 million pairs.

    At about $10 to $18 a pair, they aren't the least expensive socks you can buy, but with amazing quality, a philanthropic cause, and the Laundry Back Guarantee behind it, Bombas should be your first choice for filling your drawer. 

    With no-show socks, crew socks, dress socks, and everything in between, Bombas has every kind of socks you and your entire family could possibly need.

    Shop all Bombas socks now.

    Check out the best sock packs on sale, below:

    Men's Starter Pack 4-Pack

    $45.60 (Originally $48), available in three colors combinations [You save $2.40]



    Men's Sock Drawer REset

    $132.60 (Originally $156), available in four colors combinations [You save $23.40]



    Men's Solids Calf and Ankle 8-Pack

    $86.40 (Originally $96), available in six colors combinations [You save $9.60]



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