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9 ways millennials are approaching marriage differently from their parents

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  • Marriage looks a lot different today than it did 30 or 60 years ago.
  • For example, millennials are more open to interracial and interfaith relationships and less likely to have sex outside of marriage.
  • We rounded up the biggest differences between the way millennials and their predecessors approach marriage.


The institution of marriage is constantly evolving.

Couples who get hitched today create a partnership that looks totally different from their parents' and grandparents' — from their wedding to their commitment to monogamy.

Below, Business Insider has collected some of the starkest contrasts between the way millennials and their predecessors approach married life. Just imagine how different marriage will look in another 30 years.

SEE ALSO: 6 ways millennials are raising kids differently than their parents

Millennials are more accepting of premarital sex ...

A 2015 study, published in the journal Archives of Sexual Behavior, found that millennials are the generation most accepting of pre-marital sex.

In the 1970s, just 29% of American adults believed premarital sex among adults was "not wrong at all." That number increased to 42% in the 1980s, 49% in the 2000s, and 58% between 2010 and 2012.



... but they're waiting longer to have it

Meanwhile, a 2016 study, also published in the journal Archives of Sexual Behavior, found that millennials have had fewer sexual partners than previous generations.

As Business Insider's Chloe Pantazi reported, results showed 15% of millennials aged 20 - 24 said they had no sexual partners since turning 18. When people born in the 1960s were ages 20 - 24, just 6% said they hadn't had sex.

Dr. Helen Fisher, an anthropologist and the Chief Scientific Advisor to Match.com, told Pantazi this is possibly because millennials are more ambitious in their careers and more cautious about starting relationships.



They're starting relationships online, and those marriages may be stronger and happier

At least one-third of couples meet online. Dating sites and apps are especially popular among younger generations of Americans.

And a growing body of research suggests those who connect through online-dating services go on to have happier marriages, and are less likely to divorce.

For example, a study published in the journal Proceedings of the National Academy of Sciences in 2012 looked at about 19,000 people who married between 2005 and 2012. People who met their spouse online said their marriage was more satisfying than those who met their spouse offline. Plus, marriages that began online were less likely to end in separation or divorce.

(That study was funded by eHarmony.com, but one of the study authors told MarketWatch that it was overseen by independent statisticians.)

It seems likely that people who register for online dating are more interested in a serious relationship — not that online dating directly causes relationships to be stronger.



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Meet the Rising Stars on Wall Street shaking up investing, trading and dealmaking

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Introducing the Rising Stars on Wall Street age 35 and under.

We scoured our contacts for ideas about whom we should include, receiving recommendations from bosses, colleagues, recruiters, and others working in the finance industry. The editors made final decisions.

We've included people with a variety of roles and experiences, from companies including Goldman Sachs, Morgan Stanley, New York Stock Exchange, BlackRock, and Bridgewater.

We came across many talented people, and this list is by no means comprehensive. To be eligible, we asked that nominees be based in or around New York City, be 35 or under, and be distinguished in some way from the pack.

Following are Business Insider's list of the top young Wall Streeters.

Eric Evans, 26, Weiss Multi-Strategy Advisers

Evans, 26, is head of research and an investment analyst at Weiss Multi-Strategy Advisers, a hedge-fund firm in New York that manages more than $1.8 billion.

Evans was appointed head of research at age 25, in April 2016. His responsibilities include leading process enhancement and the cost-management effort at the firm. That includes figuring out how to make the investment teams work more efficiently and developing tools that help the firm monitor skills and behavioral biases.

Evans also manages relationships with more than 100 counterparties that work with Weiss.

As an investment analyst, Evans focuses on investing in energy stocks and derivatives, one of several sectors Weiss invests in. Evans got his start at the firm as a summer intern ahead of his senior year of college at the University of Florida. He worked at Citi as an analyst in leveraged finance before moving back to Weiss.

A Miami native, Evans holds a bachelor's and master's in finance from the University of Florida, which he completed in four years.



Fahmi Quadir, 27, Safkhet Capital

Quadir, 27, is launching a short-selling-focused hedge fund, Safkhet Capital. The fund, which is targeting a $200 million soft close for next year, will focus on betting against fraudulent companies.

Quadir previously worked at Deallus Consulting, where she did investigative work for pharmaceutical clients. One of the companies she came across was Valeant Pharmaceuticals, which became valuable when she moved to hedge fund Krensavage Asset Management as an analyst. There, she initiated a short position on Valeant in June 2015 and continued to press as her conviction increased, leading to major gains for the fund as the stock plummeted.

Quadir holds a bachelor's degree in math and biology from Harvey Mudd College.



Jesse Reinherz, 27, Millennium Management

Reinherz, 27, is a stock-focused portfolio manager at Millennium Management, a $35 billion New York hedge-fund firm. He focuses on consumer and tech investing.

Reinherz joined Millennium earlier this year and is one of the youngest portfolio managers in the firm's history. He previously was a senior investment analyst at Moore Capital and worked on the sell side at Stifel, where he covered the beverage sector.

He holds a bachelor's in economics and math from Boston University.



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5 books that can help you have a happier marriage

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  • We rounded up books from a variety of experts that explain why marriage is so hard and how you can strengthen your relationship.
  • The authors touch on topics including infidelity, personality clashes, and even time-management.
  • Each one provides tips that you can implement starting today.


Marriage is complicated. That's a given.

So it helps to take a comprehensive look at the whole institution: When did we start having such high expectations for our partners? How do we fall for people who drive us crazy in the long run? Why in the world do we think about cheating if our relationship looks perfect?

The authors of the five books below — whose ranks include a psychotherapist, a productivity researcher, and a social psychologist — draw on their unique expertise to come up with some answers to these and other important questions. Their insights will help you look with fresh eyes at your own partnership and get inspired to change it for the better.

Read on for the books that will help strengthen your marriage.

SEE ALSO: 8 books to read before you get married

'The All-or-Nothing Marriage: How the Best Marriages Work' by Eli J. Finkel

This book breaks down into two parts: an exploration of the historical factors that make marriage so hard and a series of creative strategies for strengthening your relationship.

"All-or-nothing marriage" is the term Finkel — a social psychologist — and his colleagues developed to describe modern relationships. We're placing more expectations on our relationships than ever before — we want our partner to be our best friend, our lover, our intellectual sparring partner, maybe our co-parent — while simultaneously investing less time and energy in the relationship. The inevitable result is that we're disappointed.

What to do? Well, for one, consider asking less of your relationship. (Really!) Maybe your partner isn't the type to have philosophical debates late into the night; maybe you've got a friend who loves to do that.

Or, consider not asking so much of your relationship right now, if things are especially stressful. Maybe you just had a baby or maybe you're under a lot of pressure at work. Adjusting your expectations and being realistic about what the relationship can do for you at this point in time is key.

Find it here »



'The State of Affairs: Rethinking Infidelity' by Esther Perel

Esther Perel is something of a celebrity couples therapist — she's the author of the bestselling book "Mating in Captivity," she's given hit TED Talks, and she's the host of an audio series titled, "Where Should We Begin?"

Now, Perel has sunk her teeth into the subject of cheating, drawing on 30 years of experience to explain everything from how a couple recovers from infidelity to why infidelity can occur even in seemingly happy relationships.

Perel is strikingly insightful. On the topic of why people in happy relationships cheat, she explains that it can be a form of "self-seeking," as opposed to an attempt to escape the other person. And on the topic of recovery from cheating, Perel says something good can come out of the process: the restoration of honesty and passion.

Regardless of whether you've been personally affected by infidelity — and Perel says most people have been — the book will make you rethink your understanding of human intimacy and relationships.

Find it here »



'The Four Tendencies: The Indispensable Personality Profiles That Reveal How to Make Your Life Better (and Other People's Lives Better, Too) by Gretchen Rubin

Rubin is another well-known voice in the self-improvement domain. She's the author of multiple bestselling books, including "The Happiness Project," and she hosts the podcast "Happier With Gretchen Rubin."

"The Four Tendencies" isn't about romantic relationships per se — instead it's a look at how your personality type affects your life in general. But Rubin does put these personality types in the relationship context, in order to help readers understand why they're attracted to certain people and why the same conflicts keep popping up with their partners.

For example, "obligers"— people who meet outer expectations but don't always meet inner ones — often pair up with "rebels"— who resist both inner and outer expectations. And while "upholders"— who meet both inner and outer expectations— may be initially attracted to rebels, eventually they'll start to clash. (All these labels get less confusing once you sit down to read the book.)

Rubin does a good job of helping readers become more tolerant of people who are different from them — especially if that person is their spouse — and of helping them figure out how to manage those differences effectively.

Find it here »



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New York City's secret subway line with antique cars is going back into service — here's what it's like to ride it

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The New York City subway system is one of the most fascinating curiosities in a city full of mysteries. Miles of underground track shrouded in darkness, littered with abandoned stations and secret passageways — it's a common object of desire for the urban explorers among us.

And, occasionally, New York City acknowledges the delightful mystery surrounding its 24-hour transportation system. The annual "Holiday Nostalgia" train line is a perfect example of this:

Shopper's Special NYC subway

The train line, consisting of eight vintage New York subway cars from several different eras, runs for a few weekends each year — from the Sunday after Thanksgiving to the end of the year, only on Sundays. It costs the same $2.75 as any subway ride.

So what'd we do? We got on the train and took a ride, of course! This is what it's like.

SEE ALSO: The New York subway system runs on 100-year-old technology

I got on at the Second Avenue stop in Manhattan — in 2016, the train ran between the Second Avenue stop in Manhattan and the Queens Plaza stop in Queens.

In 2017, the holiday train is running on the F line between 2nd Av and Lexington Avenue / 63rd Street, and via the Q line between Lexington Avenue / 63rd Street and 96th Street on the Upper East Side.



As you can see from last's year schedule, the train runs throughout the day starting at 10 a.m. and concluding at about 5 p.m.

The schedule is slightly different for 2017 due to the two different lines the line is running on. According to the Metropolitan Transit Authority (MTA), the train "departs from the 2nd Avenue subway station on the F line at 10 a.m., 12 p.m., 2 p.m., and 4 p.m. and from the 96th Street subway station on the Q line at 11 a.m., 1 p.m., 3 p.m., and 5 p.m..



Even though we arrived at 12:30, there were already a bunch of people waiting — some were clearly tourists; others were clearly New Yorkers.



See the rest of the story at Business Insider

The highest-paid player on all 32 NFL teams

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The two most important aspects of building a successful football team are to find a franchise quarterback and to manager the team's salary cap.

Interestingly, only seven quarterbacks are their team's highest-paid player this season, down from 15 in 2016. Of the other 25 teams, 19 have a defensive player as their highest-paid player and of those, six are cornerbacks and six are defensive ends. This suggests teams are investing more and more money into stopping quarterbacks.

Here are the 32 players who will make the most money on their respective teams this season.

Contract details provided by Spotrac.com.

32. Jason Peters — $11,250,000

Team: Philadelphia Eagles

Position: Left tackle

2017 earnings breakdown: $3.0 million salary, $8.0 million signing bonus, and $250,000 workout bonus.

One thing to know: Peters has a salary cap hit of just $6.9 million and the Eagles do not have any players with a cap hit over $9.9 million. Of the Eagles' top ten cap hits, four are offensive linemen.



31. Drew Brees — $13,000,000

Team: New Orleans Saints

Position: Quarterback

2017 earnings breakdown: $13.0 million salary

One thing to know: Brees' contract expires after the 2017 season and speculation has already begun that the team will look to move in a different direction from Brees who will be 39 in 2018.



30. Gerald McCoy — $13,250,000

Team: Tampa Bay Buccaneers

Position: Defensive tackle

2017 earnings breakdown: $13.25 million salary

One thing to know: McCoy is one of only two Buccaneers players with a cap hit over $8.0 million.



See the rest of the story at Business Insider

8 details you may have missed on Sunday's 'The Walking Dead'

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Warning: There are major spoilers ahead for "The Walking Dead."

Sunday delivered one of the biggest seasons of "The Walking Dead" we've seen yet. Not only did Negan open up to Gabriel about his former wife, but things got heated between Rick and Daryl during the war, Rick spotted a helicopter, and things aren't looking so hot Gabriel.

While there were a lot of big moments to focus on and break down, keep reading to see the smaller moments and callbacks to previous episodes you may have missed.

Gregory meets with the Saviors and gives a giant speech that references the title of the episode, "Big Scary U."

"I know how it is ... negotiating the slippery, steep terrain of managing resources and the population, and the Big Scary U ... which you might know. It's called the Unknown," Gregory tells Negan.



Negan refers to Gabriel as creepy. It's a callback to the first time the Savior leader meets the priest.

"He bailed on your creepy a--," Negan tells Gabriel after Gregory ditches him at the Sanctuary.



The first time Negan met Gabriel at Alexandria he said he was a creepy dude.

"Holy crap," says Negan when Father Gabriel first pops up behind him in season seven's fourth episode. "You are creepy as sh--, sneaking up on me, wearing that collar with that freaky-a-- smile."

Negan was looking for Glenn's widow Maggie. Before Rick could say anything, Father Gabriel came up with a quick plan to lie and tell Negan she was dead so he wouldn't kidnap her.



See the rest of the story at Business Insider

Meet the 14 official Victoria's Secret Angels who have earned their wings

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The Victoria's Secret models walked the 2016 runway in Paris.

The Victoria's Secret Fashion Show is scheduled to take place in Shanghai, China, on November 20. The glitzy affair will be broadcast on November 28— and we can't wait to see what goes down on the runway.

In September, we introduced you to all 61 models who were confirmed to walk in the show at the time. Then, we gave you a closer look at the 17 newcomers. Now, we're spotlighting the 14 current Victoria's Secret Angels who earned their wings after years of dedication to the brand.

From Adriana Lima to Taylor Hill, keep reading to learn more about the Angels.

Adriana Lima is supposed to return for another season as a Victoria's Secret Angel. Aside from 2009, the Brazilian model has walked in the Victoria's Secret Fashion Show since 1999.

Lima, 36, is the longest-serving Victoria's Secret model ever. At this time, it's unclear if Lima will make it to Shanghai, China, as her visa has been reportedly delayed because of an "ongoing diplomatic problem."



Alessandra Ambrosio, 36, will walk in the show this year. She has been in over 10 Victoria's Secret Fashion Shows.

The model helped launch Victoria's Secret PINK in 1999 and wore the Fantasy Bra in 2014.



Behati Prinsloo, 28, will return for her ninth Victoria's Secret Fashion Show. Prinsloo has been an Angel since 2009.

The Namibian model was discovered in a grocery store while on vacation in Cape Town, South Africa, according to People.



See the rest of the story at Business Insider

The 17 purchases we’re most glad we made for our first apartment

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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.

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Moving is a stressful experience no matter how you slice it, and taking on the job of finding and outfitting your first apartment as an adult is even more so.

Your first apartment is a perfect storm: an intersection of many needs and low resources. Chances are high that your college roommate might have bought the kitchen utensils... or the vacuum... or the pots and pans...  and now you’re trying to furnish an entire apartment on your own with less money than it seems the job will demand.

The few purchases you do make will need to last you longer than the cheap, seasonal models you bought in college so you’re not in the same spot, dumping more money into a dresser next year. You’ll likely want nicer belongings than plastic storage bins for all of your clothes as an adult now, anyway.

Since it's unlikely you have a carte blanche at West Elm, the purchases you do make are best when backed up by the advice of people who’ve been there before and can help you choose wisely. While I went through my post-graduation apartment search recently, I decided to make use of an incredible resource and survey my colleagues on their most valuable first apartment purchases. We spend around 40 hours a week thinking of ways to optimize peoples' lives with valuable products, so the purchases we make for our own homes carry special significance for me.

Below, you'll find the 17 things the Insider Picks team is most glad we bought for our first apartment.

SEE ALSO: This bedding startup's pillows are some of the best I've used, and they're worth every penny

Breton Fischetti, senior director of commerce: Brooklinen sheets

This pick is one that I did with a bit of hindsight, but I lived in a four-bedroom apartment, so my bedroom was the only bit of space in the apartment that was truly mine.

I really enjoyed having a good set of sheets. Once I got them it really made a difference in making the place feel more grownup and put together compared to whatever sheets I had leftover from high school/college. I recently bought a set of Brooklinen sheets and they are a great option. It's definitely a stretch of a purchase for a first apartment, but you use sheets every day so it's worthwhile. 

Brooklinen Luxe Hardcore Sheet Bundle (Queen), $239.25



A mirror to open up a small room

A first apartment or home is probably going to be smaller, and the easiest way to make a small space feel bigger is with a good mirror. It reflects light and adds depth to any room.

Umbra Mira Wall Mirror, $80



Ellen Hoffman, commerce editor: OXO Mixing Bowl and Colander Set

I bought this set of mixing bowls and colanders when I moved into my first apartment, and years later it’s up there with my tea kettle and cow mugfor most-used items in my kitchen.

The set includes three mixing bowls and three colanders in various sizes with a space-saving, nesting design. So simple, but so practical for anyone who cooks at home a lot.  

OXO Good Grips Nesting Bowls and Colanders Set, $59.99



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The Rock released a tough-love motivational app — and using it to wake up earlier for a week made me acknowledge a difficult truth about goals

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  • The Rock created a motivational alarm clock called 'The Rock Clock' as part of a larger initiative called 'Project Rock.'
  • I used it for five days to help me wake up an hour earlier. 
  • In the app, you can set a project, a deadline, and select the sounds you want to wake up to. 
  • After one week of use, I realized that motivation starts with me — and without that internal desire to reach a goal, external motivation won't have the the same impact. 


Waking up is hard to do. 

Sometimes I wake up when I intend to, but lay in bed for an extra 10 to 15 minutes staring at the ceiling, debating the value of those extra minutes, and coercing myself into actually putting my feet on the (cold) floor. Usually this happens somewhere between 7:15 and 7:30 a.m. — even though I tell my phone to wake me around 7 a.m. Usually I end up rushing and not actually checking things off my morning to-do list.

Ultimately, though, the problem isn't my inability to avoid the snooze button — it's that I really just need some extra time in the morning to shower, eat, dress, and chill out for a minute before getting on the subway and heading into work.

I've tested numerous approaches to my morning routine with the hopes I'd find something that sparked some inspiration to become that person that wakes up at 6 a.m. I tried some of the more sudden/scary Apple alarm sounds — like the one that sounds like a truck backing up — and I've made my alarm upbeat songs I liked (that have since lost their previous happiness-inducing power). I've also tried setting the time for drastically earlier thinking my snoozes would then equal out to the time I actually want to get up (that trick never works). 

So when someone at work told me the Rock had a motivational alarm clock — well, I just couldn't resist giving it a shot.

SEE ALSO: I tried eating, exercising, sleeping, and spending 'perfectly' for a week — and realized I've been approaching my goals all wrong

Dwayne 'The Rock' Johnson is a wrestler-turned-actor who's equal parts funny and intimidating.

Dwayne "The Rock" Johnson made his professional TV wrestling debut back in 1996 on the Survivor Series. Since then, he's won the WWE heavyweight title six times, and has gone on to be one of the biggest action and comedy stars. As of this year he is the second highest-grossing actor in Hollywood — and according to Forbes, he's currently worth $65 million. 

Over 95 million people follow his workouts, projects, and puppies on Instagram.



He released the 'Rock Clock' app as part of 'Project Rock,' a partnership with Under Armour to inspire people to strive for more.

In 2015, the Rock announced a new partnership with Under Armour called "Project Rock"— which officially launched in 2016 — intended to "bring you innovative and bad ass products that inspire men, women and kids to stay hungry, humble and always be the hardest workers in the room." 

As part of this partnership, the brand aims to create inspiring products for audiences hoping to reach their goals — and these products are referred to as "projects." 

The alarm is project number two of four to be released — the first was a backpack, and the last two have yet to be announced.



I downloaded the the Rock Clock and set it up for the work week.

When you first open the app it asks you to type in your goal or project and select an end date — so I wrote "Wake Up Earlier," and set the deadline for the upcoming Friday. I set the alarm for 6:30 a.m.



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4 reasons why 'Justice League' has flopped at the box office (TWX)

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The release of Warner Bros.’s latest DC Comics title, “Justice League,” was a decade-plus in the making and the payoff for the years releasing standalone movies — from “Man of Steel” (Superman) to “Wonder Woman.”

But the mixture of poor execution and bad luck has led to a major disappointment in the movie’s opening weekend.

“Justice League” opened over the weekend with a domestic box office total of $96 million. That’s the lowest opening of any DC Comics Extended Universe release to date. The movie was projected to earn around $110 million in North America.

In today’s world, where superhero blockbusters keep the lights on at all the studios in Hollywood, an anticipated release like “Justice League” — powered with the iconic characters Superman, Batman, Wonder Woman, The Flash, Aquaman, and Cyborg — not being able to crack $100 million is a shocking result that could lead to dramatic changes in the franchise.

So what the heck happened? Here we break down four reasons why “Justice League” turned out to be a box office dud.

SEE ALSO: "Mudbound" is the best movie Netflix has released so far — and you can watch it today

1. The movie just wasn’t good.

Yes, it’s beating a dead horse, but it’s the obvious reason. Sometimes it’s the marketing of a movie that can be blamed for poor box office, or the release date. However, for “Justice League,” the fact is the movie didn’t live up to the hype.

With a 39% Rotten Tomatoes score, the movie didn’t leave a good taste in the mouths of critics, and moviegoers who didn’t like “Batman v Superman: Dawn of Justice” were given more reasons why they should stay clear of this one.



2. The Rotten Tomatoes score reveal backfired for Warner Bros.

The experiment by Rotten Tomatoes of revealing the scores of select titles on its Facebook Watch show “See It/Skip It” isn’t gaining many fans in Hollywood.

Though the show had previously revealed the scores of a few other movies in the weeks leading up to “Justice League” opening (to zero controversy), it was the news that the site wouldn’t reveal the score of the DC movie until hours before preview screenings began on Thursday that became a story. And Warner Bros. being a stakeholder in Rotten Tomatoes just added to a narrative that the studio was working behind the scenes to bury the score. (Personally, I think Rotten Tomatoes was just trying to build an audience for its show.)

If this story found its way into your feed last week, the assumption you made was probably that the movie wasn't good. It will be interesting going forward if studios will plead with Rotten Tomatoes to not do the same score reveal with their upcoming anticipated titles. 



3. “Thor: Ragnarok” stole some of the movie’s mojo.

Warner Bros. probably thought placing the “Justice League” release the week before Thanksgiving was far enough to not be hugely affected by the run of “Thor: Ragnarok,” but it turned out the Marvel movie still had legs.

Three weeks in the movie is still playing on over 4,000 screens. That certainly took a chunk out of the gross for “Justice League,” as the unorthodox MCU title earned $21.7 million over the weekend. It’s a blow Warner Bros. was likely somewhat prepared for, but the movie that beat “Ragnarok” for second place was something WB didn't factor in and surprised almost everyone in Hollywood.



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21 popular TV shows that critics hate, but normal people love

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How much do critics matter?

For many TV shows, it seems like not that much. In fact, some of the most critically panned TV shows on the air are the most loved by audiences, and have big ratings.

We already collected a list of some new fall TV shows from 2017 that critics hate (but normal people love), and noticed huge differences in other popular shows as well. So we collected a longer list of current TV shows critics don't like, but everyone else loves enough to tune in every week — or to binge-watch on Netflix.

We used critic and audience scores from Rotten Tomatoes to judge, and some the differences are staggering.

Here are popular TV shows that critics hate, but audiences love:

SEE ALSO: 6 new fall TV shows that critics hate, but normal people love

21. "MacGyver"— CBS

Critic rating: 26%

Audience rating: 54%

Difference: 28%

Description: A resourceful former special forces operative is recruited into a clandestine organization.



20. "Bull"— CBS

Critic rating: 24%

Audience rating: 68%

Difference: 44%

Description: A renowned psychologist heads a prolific trial consulting service in this drama series based on the early career of Dr. Phil McGraw.



19. "S.W.A.T."— CBS

Critic rating: 45%

Audience rating: 68%

Difference: 23%

Description: A S.W.A.T. leader is torn between loyalty to the streets and duty to his fellow officers.



See the rest of the story at Business Insider

Black Friday is no longer a one day event — here's when you can get the best deals on every item all week

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  • Retailers are offering major deals the entire week of Thanksgiving. 
  • While Black Friday is still important, some items – including clothing, computers, and toys – will be less expensive on other days of the week. 
  • Adobe calculated what day different categories will have the best deals. 


The day after Thanksgiving is no longer the only day for Black Friday shopping. 

With Black Friday sales kicking off earlier and lasting longer, shoppers need to be strategic about when they head to stores. 

In its annual holiday predictions, Adobe calculated what days will be best to shop for different types of products. While Black Friday still offers the biggest discounts, Adobe's predictive technology reveals that some of the biggest discounts this week will not be on Friday. 

Here's what day you should be heading to the stores and online to get the best deals on different products:

SEE ALSO: Black Friday store hours are more confusing than ever this year — here's a complete list

Wednesday before Thanksgiving: Christmas decorations

Before you've even eaten a single bite of turkey, you should be thinking about buying Christmas decorations. This is the best day for festive deals, with discounts predicted to reach 22.7% before prices increase on Thanksgiving Day. 

Old Navy is also beginning its Black Friday sale on Wednesday, opening at 9 a.m. and offering 50%-off on all purchases. 



Thanksgiving Day: Computers, clothing, video games, and sporting goods

Many retailers, including Walmart, Target, and Best Buy, kick of Black Friday on Thanksgiving Day. 

This Thursday will be the best day to find deals on: 

  • Computers (discounted 16%)
  • Sporting goods (discounted 11%)
  • Clothing (discounted 15%)
  • Video games and consoles (discounted 9.6%)


Black Friday: Televisions, tablets, and more

According to Adobe, Black Friday is still the best day for deals, with the most impressive price cuts in the entire week around Thanksgiving. 

On Friday, you should look out for deals on: 

  • Televisions (discounted 23.7%)
  • Tablets (discounted 23.6%)
  • Jewelry (discounted 12%)
  • Appliances (discounted 17.7%)


See the rest of the story at Business Insider

10 ways to save money on your wedding, according to real couples

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The Wedding Singer

You have the ring and you’ve chosen a date. Now it’s time to get down to the nitty gritty in your wedding planning – the budget.

According to The Knot’s 2016 Real Weddings Study, the average cost of a wedding in the US is $35,329. If you don’t happen to have an extra $35K lying around, you’ll want to keep reading for some great advice from Reddit (aka: Weddit), by real people who were able to save a ton of dough planning their big day.

Email your save the dates

Instead of ordering cards and spending money on stamps, many engaged couples are opting for electronic save the dates.

Redditor Squeaksy wrote, "We did Paperless Post for our Save the Dates … the read receipts were awesome and helpful and so user friendly ... Even our 90-year-old grandparents seemed to have no issues. And it was completely free if you choose the right template!"



Consider non-traditional wedding attire

Research by The Knot found that in 2016, brides in the US spent an average of $1564 on their wedding gown, and grooms spent about $280 for their own wedding attire and accessories. But, not all wedding couples are willing to break the bank at the bridal shop.

"We don't really have a tight budget for our wedding, but I would like to spend that money on something more practical (like a house). I just cannot justify spending loads of money on a dress I wear once!" wrote Redditor kaweenpotato

Budget-savvy couples have gotten creative by choosing non-traditional apparel, searching unexpected retail stores, and shopping secondhand.

"I went to David's Bridal to find my dress and then searched the internet to find it used," explained Redditor ilizibith1. "I got the dress of my dreams from stillwhite.com brand new, tags still on it and everything. I saved $400 off retail price."

"I found my perfect dress in the formal wear section of Dillard's for about $140," wrote Redditor TaliaLackey.

Redditor -taradactyl- found suits for her future husband and his groomsmen for a steal. “FH tasked me with finding the suits because there were no rentals to be had. Before FH even woke up the next morning I found a solution. Good ol' JCPenney to the rescue ... We ordered them with a 30% off coupon, so including tax and shipping the pants and jacket came to under $100."

 



Don’t get married on a Saturday

Most wedding venues have discounted rates for Friday, Sunday, and weekdays. If you are looking to trim the budget, switching from a Saturday wedding might save you a lot.

"We're doing a Sunday wedding. It's several thousand dollars cheaper and we're the only event at the venue that day (they do two weddings on Saturdays)," wrote Redditor b33r_engineer.

Keep in mind, however, that weekday weddings can be a big inconvenience for guests.

Redditor Jilltro confided, "I'll be honest, as a guest I hate weekday weddings, and I know all of my coworkers do too. If that's all you can afford and you're fine with a lot of declines, that's fine, but I would cut back on anything else possible or try to find a more affordable venue before I had a weekday wedding."



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I spent my summer working at Disney World — here are 21 things you didn't know about the park

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  • A lot of work goes into making sure Disney World remains the "Happiest Place on Earth."
  • No matter how many times you've been to the parks, there is probably some detail you haven't noticed or secret you're not aware of.
  • As someone who has worked at Disney World, I've had an inside look at those secrets.
  • Here are 21 things you probably didn't know about the Disney parks and their cast members.


There's no denying that the magic of Disney is infectious. Guests spend years saving up and travel from places all over the world just for a couple days of excitement and no matter how old you are, you can't ignore that giddy feeling you get when you step foot on Main Street and set your eyes on Cinderella's castle for the first time. Disney is a place where adults can act like kids and kids can go to live out their fantasies. It's also a place where you can wear mouse ears and eat turkey legs the size of your head without receiving judgmental looks.

Growing up in Orlando I spent a lot of my time walking the streets of Disney World, but it's not until I spent my summer working there that I truly realized how much goes into making the magic happen. From all of the effort cast members put into making guests feel special to the inner working of the locations themselves, these are 21 things you probably didn't know about the Disney parks.

Disney is just one big never-ending show

When guests step foot in any Disney park, they are really stepping into a live show where everything from the costumes to the trash cans play a part. Disney even has their own lingo, which is why you may realize that visitors are called "guests" and workers are "cast members." When you walk through the streets of a park you are "onstage," and for the most part, "backstage" remains hidden.

Nothing should compromise the feeling that Disney guests are a part of the show. If a cast member is dressed in their work clothing, they are not even allowed to cross a certain the line from their section of the park into the next because it would make no sense to see someone from the future (Tomorrowland) walking around the Old West (Frontierland). 



Magic Kingdom sits on top of a set of tunnels

Many people don't realize that when they are standing on Main Street, they are actually on the second level of Magic Kindgom and working their way up to the third when they head for Cinderella's castle. This is because the park sits on top of a set of tunnels known as the utilidors where cast members can walk around freely without ruining the "show." 

If you're really itching to get a look at these not-so-secret tunnels you can sign up to take a backstage tour for a pretty penny, but prepare to be rather unimpressed. The utilidors aren't exactly what you would call magical, but you can get a look at all they have to offer for cast members from the cafeteria to a barber shop.



There's a strict "Disney Look"

Reputation is important to Disney. This is why cast members are expected to maintain a specific appearance known as the "Disney Look."Extreme hairstyles, over-the-top makeup, visible tattoos and body piercings beyond the earlobes are strictly prohibited. If you're a male with facial hair prior to starting at Disney, you can keep it as long as it is neatly trimmed, but if you were clean shaven when you got hired then say goodbye to switching up your look with a moustache because that's not allowed.

If you're hoping to get casted as a character, you must meet strict requirements when it comes to looks. People interested in playing Mickey Mouse should be no taller than 5'2". Given this height requirement, chances are the person behind the Mickey Mouse costume is actually a girl.



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Queen Elizabeth and Prince Philip have been married 70 years — here's a timeline of their epic romance

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November 20 marks the 70th wedding anniversary of Queen Elizabeth II and her husband Prince Philip, Duke of Edinburgh. Elizabeth, now 91, is the longest-reigning monarch alive — and Philip, now 96, has stood by her side every step of the way.

Here's a look back at their many decades of royal matrimony.

Princess Elizabeth and Prince Philip met when they were children, at a wedding in 1934. They got engaged in 1947.



It's been said that Princess Elizabeth had been in love with Prince Philip since she was 13.

Source: Time



The ceremony was held at Westminster Abbey.

Source: The Royal Family



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Behind the scenes of the famous Macy's Thanksgiving Day Parade, which reportedly costs millions to produce each year

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  • Macy's has hosted its famous parade on Thanksgiving Day since 1924.
  • A majority of the floats, balloons, and costumes are constructed inside their Moonachie, New Jersey warehouse.
  • Business Insider got a tour of the warehouse to see the process behind the parade that's watched by millions.


Inside a warehouse in Moonachie, New Jersey, where gingerbread men and nutcrackers line the walls, live two massive turkeys, a larger-than-life robot, a dragon, Pikachu, and Spongebob Squarepants.

While this isn't Santa's North Pole workshop, it might be the closest thing in the world to it. The Macy's Parade Studio, where a group of workers build the floats, balloons, and costumes that are on display during the Thanksgiving Day Parade, devotes itself to the holiday season 365 days a year. The famed parade, which happens in New York City every year, was started in 1924 by Macy's store employees and is now a Thanksgiving tradition that millions of Americans tune in to NBC to watch. 

Macy's does not disclose any of the costs associated with putting on the parade each year. Some sites like Ebates.com have estimated it could be several million dollars, taking into account the presumed cost of float construction, costumes, and studio rent. A representative for Macy's declined to confirm that estimate with Business Insider, however.

We took a tour of the studio at the height of 2015's Thanksgiving parade prep. John Piper, VP of the Macy's Parade Studio, showed us how their team helps put the magic together. 

Each parade float starts out as an idea, a sketch on a piece of paper.



Models are then made scaled to size; you can see them sitting on the table here. Hanging above are balloon models from past parades.



The studio has a library of books, mostly for children, that the artists use as a reference to help turn two-dimensional characters into real-life, 3D figures.



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9 words and phrases that make you look less smart, less competent, and less accomplished than you really are

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  • The language you use when you're talking to yourself affects your behavior. Certain words can make it harder to achieve your goals.
  • Your language also affects how other people perceive you. Certain words and phrases can make you seem less intelligent.
  • To that end, we collected a series of words and phrases to avoid whenever possible.


It's not just what you say; it's how you say it that matters. Even if you're only talking to yourself.

And there are certain words and phrases that are often counterproductive. Below, Business Insider has rounded up a series of those words and phrases to avoid, based on recommendations from psychologists, engineers, and workplace experts.

Read on to see which items to eliminate immediately from your vocabulary — and what to replace them with.

SEE ALSO: 33 things you should never say to your boss

Instead of 'I can't' say 'I don't'

A 2012 study, published in the Journal of Consumer Research and cited in The Harvard Business Review, found that telling yourself "I can't" doesn't work nearly as well as telling yourself "I don't."

That means "I don't eat brownies" works better than "I can't eat brownies"— though the strategy helps with any goal, whether it's procrastinating less or working out more.

In one experiment in the study, women participating in a 10-day health and wellness seminar were given different strategies for reaching their goals. Results showed that the participants who said "I can't" were unlikely to persist for the full 10 days — even less likely than participants who learned to "just say no." Yet eight of the 10 participants who said "I don't" stuck it out for the full experiment.



Instead of 'but' say 'and'

In his book "The Achievement Habit," Stanford engineering professor Bernard Roth explains why "but" is generally a word to avoid when you're talking to yourself.

He writes: "When you use the word but, you create a conflict (and sometimes a reason) for yourself that does not really exist." Meanwhile, when you use the word and, "your brain gets to consider how it can deal with both parts of the sentence," Roth writes. 

For example, instead of saying, "I want to go to the movies, but I have work to do," Roth suggests telling yourself, "I want to go to the movies, and I have work to do."

The word swap helps you see that it's possible to do both activities — you just need to find a solution, whether that's seeing a shorter movie or delegating some of your work.



Instead of 'have to' say 'want to'

In the same book, Roth recommends a simple exercise: The next few times you say "I have to" in your mind, change have to want.

"This exercise is very effective in getting people to realize that what they do in their lives — even the things they find unpleasant — are in fact what they have chosen," Roth writes.

For example, one of Roth's students felt he had to take the math courses required for his graduate program, even though he hated them. At some point after completing the exercise, he realized that he really did want to take the classes because the benefit of completing the requirement outweighed the discomfort of sitting through classes he didn't enjoy.



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Here is the stunning $1.5 billion stadium for the Atlanta Falcons that replaced the demolished Georgia Dome

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The Georgia Dome was only 25 years old, but on Monday, it was demolished by the city of Atlanta.

The Atlanta Falcons have moved into the new Mercedes-Benz Stadium, a stunning $1.5 billion stadium with a retractable roof. It is like nothing else ever seen in the NFL and looks from the outside like a gigantic metal origami structure.

Here are some of the features.

The Georgia Dome was taken down on Monday with a controlled implosion. It opened in 1992.

 



Here is the outside of the stadium and the area surrounding it, which includes a fan plaza, solar panels, and electric-vehicle charging stations in the parking lot.

 



One side of the stadium is a ground-to-roof window.



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These are the 9 highest-paid Victoria's Secret models

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The annual Victoria's Secret Fashion Show will be taking place in Shanghai, China, Monday evening, and broadcast on November 28

The fashion show is considered one of the most prestigious gigs a model can land. Gaining your "Angel wings"— intricately designed pairs of wings given to the most highly regarded models in the show — is a whole other privilege.

Jan Planit, who used to head up top modeling agency IMG and now runs Planit Model Management, once told the New York Post: "There are very few special things you can achieve as a model. Getting your Angel wings is the ultimate."

The iconic shows are famed for their dramatic, colorful, and skimpy outfits, as well as their impressive lineup of entertainment. This year's musical guests include Harry Styles, Miguel, and Leslie Odom Jr.

Last year, 51 top models made the final cut for the show, just 14 of whom were designated "Victoria's Secret Angels"— brand ambassadors who travel the world promoting Victoria's Secret year-round. Best friends Gigi Hadid and Kendall Jenner became the most recent models to earn their wings on stage at the 2016 show.

While being in the show or getting wings are honors in themselves, the money doesn't hurt either. Nine of the models who appeared in the 2016 show appeared on Forbes' list of the world’s 20 highest-paid models in 2016.

Scroll down to see the highest-paid Victoria's Secret models from last year's show, ranking in ascending order by their 2016 earnings, according to Forbes.

*The earnings are an estimate based on income from all modeling contracts, both from Victoria Secret as well as other companies.

9. Taylor Hill — $4 million.

Taylor Hill, the 21-year-old "girl next door from Colorado" and Vogue cover star, became the face of Topshop's AW16 campaign in July 2016. Since then her Instagram follower base has doubled — she now has 9.2 million followers of her @taylor_hill account.

Hill walked her first VS show in 2014 and became an Angel a year later.



8. Jasmines Tookes — $4 million.

Californian Jasmine Tookes is one of three women of color — out of all VS models — to make Forbes' highest-earning list in 2016.

The 26 year old gained her wings in 2015, after first walking a Victoria's Secret show in 2012.



7. Lily Aldridge — $4 million.

LA-born Lily Aldridge walked her first Victoria's Secret show in 2009, and became an Angel the following year. The 32 year old's favorite place in the world is her hometown of Nashville, Tennessee, according to her VS profile. Her Instagram has 5.1 million followers.



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74 years ago, US Marines waded into 'the toughest battle in Marine Corps history' — here are 25 photos of the brutal fight for Tarawa

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By fall 1943, Japanese forces had been ejected from Alaska's Aleutian Islands in the North Pacific, and the Solomon Islands in the South Pacific were on the verge of capture.

US forces now had to push into the Central Pacific, from which they could target Japanese strong points and communications lines. US officials had spent much of that year preparing for Operation Galvanic — the capture of the Gilbert Islands, a group of coral atolls that are now part of Kiribati.

US Marine Corps map battle of Tarawa Betio

Held by the British until Japan seized them in December 1941, the Gilberts were "of great strategic significance because they are north and west of other islands in our possession and immediately south and east of important bases in the Carolines and Marshalls," US Navy Fleet Adm. Ernest J. King wrote in official reports.

"The capture of the Gilberts was, therefore, a necessary part of any serious thrust at the Japanese Empire."

The attack on Tarawa focused on Betio, the principal island in the atoll, located at its southwest corner.

"The island was the most heavily defended atoll that ever would be invaded by Allied forces in the Pacific," historian and Marine amphibious officer Joseph Alexander wrote.

US Marines stormed ashore Betio on November 20, 1943. After 76 hours of intense fighting, they had wrested it away from tenacious Japanese defenders.

Below, you can see how US Marines waded into what one combat correspondent soon after called"the toughest battle in Marine Corps history."

SEE ALSO: It's been 77 years since the Battle of Britain — here are 14 photos of the Nazi onslaught in the skies of England

US planes had done reconnaissance of Betio and Tarawa since the beginning of 1943. In August 1943, Vice Adm. Raymond Spruance, commander of the US Central Pacific Force, verbally assigned the capture of Tarawa Atoll to the Second Marine Division. In mid-September, Navy and Army planes bombed and photographed the atoll.

Tarawa is a coral atoll roughly triangular in shape. Its east side is about 18 miles long, while the south side is 12 miles long and the west side 12.5 miles long. The string of islands that make up the atoll ranged in altitude from 8 to 10 feet and were covered in coconut trees and dense shrubs. Betio is a bird-shaped island at the atoll's southwest corner that at the time had an area of about 300 acres.



Japanese commanders concentrated their forces on Betio, a strongly defended island at the southwest corner of the atoll, planning to destroy US transports at sea and then "concentrate all fires on the enemy's landing point and destroy him at the water's edge." The island was estimated to have a garrison of 4,800 men — more than half of them first-rate troops.

Betio's defenders deployed steel tetrahedrons, minefields, and and dense thickets of barbed wire. Walls of logs and coral surrounded much of the island. Machine guns, rifle pits, and antitank ditches were often integrated into the barricades, and many emplacements, like pillboxes, were built to have converging fields of fire.

Anti-personnel and anti-vehicle mines were scattered around the island, its lagoon, and its reef. Japanese forces on the island also had naval guns, coastal-defense guns, as well as field artillery and howitzers.

Source: US Marine Corps



Betio's geography — narrow with no elevations higher than 10 feet — suited its defenders. "Every place on the island can be covered by direct rifle and machine gun fire," Marine Col. Merritt Edison said. The island also lacked natural cover, and its tides and reef poised unique challenges.

The fight at Tarawa was the first large-scale encounter between US Marines and Japan's Special Naval Landing Forces. Intelligence officers cautioned before the landing that "naval units of this type are usually more highly trained and have a greater tenacity and fighting spirit than the average Japanese Army unit." Nevertheless, Marines were surprised at the intensity with which they fought.

Source: US Marine Corps



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