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We quit our corporate jobs to start a full-time coaching business on the road. Here are 4 unexpected ways travel has been crucial to our success.

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  • Ryan Gleason and Alex Davis are a husband-wife duo and "lifestyle engineers." After eight years as corporate engineers internationally, Ryan and Alex left their high-powered jobs to tackle their true passion — leading couples to engineer their best lives through Ryan and Alex Duo Life.
  • In March 2018, they bought a one-way ticket to Ecuador, and have been traveling in South and Central America since.
  • Moving abroad actually helped them save money and gave them incentive to downsize. And they found a whole community of digital nomads.
  • Visit Business Insider's homepage for more stories.

It was early 2018, and I watched as Ryan, my new husband of three months, worked himself sick every day. On top of the sales territories he managed for a global chemical company, he worked a side-gig coaching job at a multilevel marketing company for hours into the night.

Before this, I knew how dedicated he was to both jobs — but it wasn't until we were living together that I saw how much it consumed his time and sanity. I could see that he was near his breaking point — averaging just six hours of sleep per night, always stressed that he wasn't giving his all to either job, and feeling his health impacted through low testosterone and adrenal fatigue. This wasn't the newlywed life I was imagining; it was hard for us to spend quality time together, despite him being in the same room.

So, I pitched an idea: Let's quit our jobs to travel and turn your health coaching side gig into a full-time business together.

After some convincing, my typically risk-averse husband agreed. We packed our bags and bought a one-way ticket to Ecuador in March 2018. We've been traveling ever since throughout South and Central America.

Usually, when people hear this, they think, "Oh, another entitled millennial couple traveling the world." Yet, what they miss is that traveling is the best opportunity to turn a side gig into a full-time business. Here's why:

SEE ALSO: A Pennsylvania couple uprooted their entire lives and sold everything they owned to buy a restaurant in the Caribbean. Here's how they did it.

1. Travel removes social pressure

Multiple studies show that US entrepreneurship has been on the decline since the 1970s. Beyond the main culprits — like high taxes and even higher student debt — it's just plain intimidating to leave good jobs and start from scratch on a new concept. However, if we had taken the plunge back in the US, we would have felt social pressure to earn enough to continue maintaining the same lifestyle.

According to the Bureau of Labor Statistics, the average American household spends around $5,100 monthly. Even with just the two of us, our expenses were not far off. In our final two months in the US, we averaged over $4,000 in monthly expenditures, with nearly half of that going toward our rent. In comparison, our past two months in San Miguel de Allende, Mexico have cost us $800 a month. While our living costs have greatly varied between countries, without significantly altering our lifestyle, our cost of living is 20% to 40% of what it used to be.

We removed financial pressure by moving abroad. When traveling, we're in a unique environment where we're free to focus solely on our business and avoid feeling pressured to "keep up with the Joneses"— or, in our case, our prior lifestyle.



2. You save money to reinvest back into the business

For less than the cost of our $1,500 monthly rent in Texas, we were able to rent an apartment in Medellín, Colombia, join a coworking office space, eat out nightly at phenomenal restaurants, attend weekly yoga classes, explore the Colombian countryside on weekend trips, and still have money left over to invest back into our business. Moving abroad gave us the incentive to downsize and create a tight budget framework to live by — and our dollars now stretch further than ever.

Our budget strategy changed based on the country we were in, taking into account ways to incorporate local culture to maintain a healthy work-life balance.

Here was our $1,200 monthly budget from Medellín, Colombia for the two of us:

  • $500 in rent, including utilities
  • $150 to join a coworking space, including their yoga classes
  • $160 on restaurants and coffee shops
  • $150 in fresh produce and groceries
  • $20 on buses and taxis
  • $220 on weekend trips and miscellaneous expenses

Other destinations, like Ecuador, Peru, Mexico, and Panama were less expensive and we could budget as little as $800 a month.



3. Traveling opens up new networks and connections

Ryan and I, both former materials engineers, had no experience or contacts in the "digital nomad" world. So, when we launched Ryan and Alex Duo Life, a company helping couples become healthier through fitness, nutrition, and relationship coaching, we started from scratch. Yet, as we began building our business in dozens of coffee shops and coworking spaces across South and Central America, we've had chance meetings with website designers, Instagram business owners, content managers, and marketing gurus. They've all helped us throughout the process, inviting us into their communities and networks.



4. If the business fails, at least you spent time learning and traveling

If that's all you got out of it, then we'd say it was still a win. You would have learned all the same hard business lessons as someone working from home, but it won't be as cutting because your time was simultaneously spent exploring new cultures and learning about yourself. So, if there comes a day when you have to walk back into a corporate interview, you can hold your head up high, knowing that you spent time not only working on your business, but also experiencing new cultures and methods of thinking. These experiences will propel you in any future endeavors.

Take our friend, Kai Du, who took a six-month sabbatical to travel the world in 2014. Upon his return to the corporate world, he leveraged his experience to change roles into global supply chain at Cartus. Soon after, he was recruited to join the supply chain team at Nike's international headquarters in Portland.

"During my interview, I talked about my past, my experience, and what I'm passionate about outside of work. I listed travel and even included pictures from traveling during my sabbatical. It was well received, and I got the offer an hour later. At the time, I hadn't realized it, but Nike's founder, Phil Knight, had taken a trip similar to mine in his youth, a six-month backpacking trip beginning in Southeast Asia. At Nike, there is a program where employees are given five weeks of paid sabbatical every five years, starting at their tenth year of employment. It's use it or lose it, so the company recognizes the time that you've been with them but also wants you to recharge. I think in today's world, where everything is much more globalized and connected, worldly experience is a positive. If you show up well at the interview and prove that you're qualified for the job, having a gap where you traveled would not be seen as a negative," Du said.

With the freedom to focus on our business, find our passions, and think creatively, we've expanded our business to Ryan and Alex Duo Life. Now, we create science-backed online programs helping couples get fit, lose weight, and strengthen their relationship.

After nearly two years on the road we're now settled in San Miguel de Allende, Mexico. We've never once regretted leaving our corporate engineering jobs behind.




The 25 major companies with the most satisfied employees of 2019

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  • Compensation monitoring site Comparably released their ranking of the best places to work if you're looking for positive company culture.
  • Comparably asked employees at each company a series of 50 questions related to company culture, such as whether they were excited about going to work or whether they had good work-life balance.
  • Silicon Valley giants like Google and Microsoft took some top spots, as did HR giant ADP.
  • Visit Business Insider's homepage for more stories.

While some buzzystartups made headlines for forcing workers into long shifts without much positive feedback, other firms have mastered the art of keeping employees happy.

Comparably, the compensation monitoring site, released their list of the major firms that have the most positive company cultures. Comparably asked employees at each company a series of 50 questions related to company culture, such as whether they were excited about going to work or whether they had good work-life balance.

Many northern California and Silicon Valley firms took the top spots as having positive company cultures. These firms, like Google and Microsoft, offer full-time workers high salaries and in-office perks.

Some retail firms, like grocery chain H-E-B and wholesale shop Costco, also made the top 25 for company culture, as did HR giant ADP.

Here are the 25 best companies for company culture (you can review the full list here):

25. Northside Hospital

Headquarters: Atlanta, Georgia

Industry: Hospital and healthcare

Description: The Northside Hospital healthcare system is a not-for-profit healthcare provider with more than 150 locations across Georgia, including three acute-care hospitals in Atlanta, Cherokee County, and Forsyth County



24. TaskUs

Headquarters: Santa Monica, California

Industry: Outsourcing/offshoring

Description: TaskUs provides next generation customer experience that powers the world's most disruptive companies through the partnership of people and innovative technology.



23. Vector Marketing

Headquarters: Olean, New York

Industry: Consumer goods

Description: Vector Marketing Corporation is a wholly owned subsidiary of CUTCO Corp., which has manufactured CUTCO Cutlery in Olean since 1949. 



22. BambooHR

Headquarters: Lindon, Utah

Industry: Human resources software

Description: BambooHR offers an online HR software platform for small and medium-sized businesses.



21. Trimble

Headquarters: Sunnyvale, California

Industry: Electrical and electronic manufacturing

Description: Trimble's core technologies in positioning, modeling, connectivity and data analytics enable customers to improve productivity, quality, safety and sustainability.



20. Confluent

Headquarters: Mountain View, California

Industry: Computer Software

Description: Confluent offers a streaming platform that enables companies to easily access data as real-time streams.



19. Sage

Headquarters: Atlanta, Georgia

Industry: Computer software

Description: Sage is an American provider of Financial management and services. The company was founded in 1999 and it was acquired by The Sage Group PLC for $850 million in 2017.



18. LogMeIn

Headquarters: Boston, Massachusetts

Industry: Computer software

Description: LogMeIn is a provider of software as a service and cloud-based remote connectivity services for collaboration, IT management and customer engagement, founded in 2003.



17. H-E-B

Headquarters: San Antonio, Texas

Industry: Retail

Description: Founded in 1905, H-E-B operates more than 358 stores in a number of formats, including superstores, supermarkets, and gourmet markets.



16. Southwest Airlines

Headquarters: Dallas, Texas

Industry: Airlines/aviation

Description: Southwest Airlines Co. is a major American airline.



15. Sunrun

Headquarters: San Francisco, California

Industry: Renewables and environment

Description: Sunrun is a United States-based provider of residential solar electricity



14. Workfront

Headquarters: Lehi, Utah

Industry: Computer software

Description: Workfront is the a work management application that connects enterprise work, collaboration, and digital content into an operational system of record (OSR).



13. KeepTrucking

Headquarters: San Francisco, California

Industry: Transportation software

Description: KeepTrucking connects trucks with a fleet management platform.



12. LinkedIn

Headquarters: Sunnyvale, California

Industry: Internet

Description: LinkedIn is an American business and employment-oriented service that operates via websites and mobile apps. It is mainly used for professional networking, including employers posting jobs and job seekers posting their CVs



11. GitLab

Headquarters: San Francisco, California

Industry: Information technology and services

Description: GitLab is an open-source code collaboration platform that enables developers to create, review, and deploy code bases.



10. T-Mobile

Headquarters: Bellevue, Washington

Industry: Telecommunications

Description: T-Mobile is a mobile telephone operator with 101 million subscribers.



9. Qualtrics

Headquarters: Provo, Utah

Industry: Experience management

Description: Qualtrics Experience Management (XM) is a software platform that helps brands continually assess the quality of their four core experiences — customers, employees, products, and brands



8. Costco

Headquarters: Issaquah, Washington

Industry: Retail

Description: Costco Wholesale is a multibillion dollar global retailer with warehouse club operations in 11 countries



7. Smile Brands

Headquarters: Irvine, California

Industry: Hospital and healthcare

Description: Smile Brands is one of the largest dental service organizations in the United States.



6. Insight Global

Headquarters: Atlanta, Georgia

Industry: Staffing and recruiting

Description: Insight Global is a national staffing and services company that specializes in sourcing information technology, government, accounting, finance, and engineering professionals and delivering service-based solutions to Fortune 1000 clients.



5. HubSpot

Headquarters: Cambridge, Massachusetts

Industry: Marketing Software

Description: HubSpot is a leading growth platform with thousands of customers around the world.



4. Google

Headquarters: Mountain View, California

Industry: Internet and cloud Computing

Description: Google is an American multinational technology company that specializes in internet-related services and products, which include online advertising technologies, search engine, cloud computing, software, and hardware.



3. ADP

Headquarters: Roseland, New Jersey

Industry: Human resources

Description: Automatic Data Processing, Inc., commonly known as ADP, is an American provider of human resources management software and services.



2. Zoom Video Communications

Headquarters: San Jose, California

Industry: Information technology and services

Description: Zoom Video Communications provides remote conferencing services using cloud computing. Zoom offers communications software that combines video conferencing, online meetings, chat, and mobile collaboration.



1. Microsoft

Headquarters: Redmond, Washington

Industry: Computer Software

Description: Microsoft Corporation develops, manufactures, licenses, supports, and sells computer software, consumer electronics, personal computers, and related services



A Maryland couple bought a 120-year-old church for $320,000 and now live in it with their 3 kids — here's a look at how they turned it into a home

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  • Anastasiia and her husband Gunther purchased a nearly 120-year-old church in Maryland for $320,000 in 2017.
  • The couple changed its name from All Saints' Church to All Saints House and now live there with their three children.
  • Anastasiia told Business Insider they have spent the past few years restoring it. When the couple moved into the church in June of 2017, they began chipping away at their long list of restoration projects, which they document on Instagram
  • So far, Anastasiia estimates that they've spent around $40,000 to $50,000 on various projects around their home.
  • Visit Business Insider's homepage for more stories.

In December of 2016, Anastasiia and Gunther, a young Maryland couple, were on the lookout for a restoration project. So, when they saw a for-sale sign in front of an old church up the road from their house, they stopped the car and looked inside.

Around six months and $320,000 later, it was theirs.

Now, the couple and their three children live in the 120-year-old All Saints Church. While they're actively renovating it, it still maintains many of its original details.

What is now called All Saints House was deconsecrated in the 1970s, Anastasiia told Business Insider. Since then, it has seen three separate owners (not including Anastasiia and Gunther) who have added lofts, rooms, skylights, and bathrooms to the space.

The couple said that when they bought the home, it was livable, but it had sat empty for years and needed some fine-tuning. So, they began chipping away at their long list of restoration projects, which they document on Instagram.

So far, completed projects include the stripping of dangerous lead paint from the front door, adding a breakfast bar in the kitchen, redesigning the master bedroom, and renovating the kitchen.

Business Insider caught up with Anastasiia to find out what it's like to live in a house with over a century of history.

Do you have a similar home-renovation story? If you want to share your story, email this reporter at lbrandt@businessinsider.com.

SEE ALSO: A homeless Detroit man bought an abandoned house for $1,500 and spent 10 years renovating it for his wife. Here's how he did it — and what it looks like now.

DON'T MISS: Inside the luxury trailer park in the Hamptons, where trailers have ocean views and go for more than $1 million

Anastasiia and her husband Gunther bought All Saints' Church, which they now call All Saints House, for $320,000 in 2017.

Anastasiia told Business Insider that she and her husband had been on the lookout for an old house to restore. So, when they saw a for-sale sign in front of an old church up the road from their house, they immediately went inside. 

"The moment we walked in, that was it. It was love at first sight," she said. "We looked at each other and said 'yes, we definitely want to live here' and called our real-estate agent." 

Anastasiia, a teacher, and Gunther, a biostatistician, have always shared a love for old houses and follow restoration projects on social media.

"We are part of a growing Instagram community of old house lovers and people who restore old houses," Anastasiia told Business Insider. "So we have a lot of friends on Instagram that we get great ideas from and ask for advice."



The church, according to Maryland.gov, was designed by New York architect Henry Martyn Congdon nearly 120 years ago. It was built to replace a previous church, also designed by Congdon, that burned down on December 31, 1899.

According to Anastasiia, All Saints' Church served as a place of worship in Maryland until the 1950s and remained empty until it was deconsecrated in the 1970s. Since then, it has seen a handful of owners who have added lofts, additional rooms, and bathrooms to the space.

"The changes that were made to the building are not permanent," she explained to Business Insider. "You can take down everything that's been put up, and it can be a functioning church again."

Despite the additions, the building's original Gothic revival architecture has been preserved for nearly 120 years. To this day, the church still features original finishes.



In fact, the home's stained glass windows were imported from Munich, Germany during the turn of the century.

As soon as the couple bought the church, they began chipping away at their long list of restoration projects.

The first task was to clean the house from top to bottom, a task that took around two weeks to complete, Anastasiia told Business Insider.

So far, Anastasiia estimates that they've spent around $40,000 to $50,000 remodeling and renovating.



Anastasiia told Business Insider that she and Gunther complete the projects on their own with the help of YouTube tutorials. The renovated kitchen is the biggest project they've completed so far.



The three-month-long kitchen renovation included redoing the flooring and replacing the joists, updating the plumbing and electrical work, and installing new cabinets and countertops.



Anastasiia told Business Insider that the hardest part of the entire restoration process is making sure the additions complement the church's original style.



"We try to keep everything as original as possible, as the owners prior to us did," she said. "We don't want to change anything that would damage the architectural integrity of the building."



But preserving the building's architectural integrity doesn't come without its challenges. According to Anastasiia, the ceilings in the home's great hall are 25 feet tall, making it difficult to change lightbulbs and clean the wooden beams.

Anastasiia told Business Insider that the entire house spans approximately 2,500 square feet. 



When it came to decorating, Anastasiia and Gunther had to buy new furniture because what they had was too small. To better understand just how big the space is, consider this: The brown couch in the great hall (pictured below) is 12 feet long.

To find the perfect pieces, they shopped mostly at antique and thrift shops. 



The grand piano, which was originally a church piano, sits next to the fireplace. According to Anastasiia, it dates back to the beginning of the 20th century.



Currently, there are three bedrooms and two bathrooms in the home. The loft, which looks out over the great room, serves as the master bedroom.



One of the home's three skylights covers almost an entire side of the master bedroom.



Directly under the loft area are the two other bedrooms.



Anastasiia told Business Insider that during the colder months, her family spends a lot of time in this small, cozy living room, which was originally an altar.

The great hall doesn't have heat, so during the colder months, Anastasiia told Business Insider that her family hangs out in the small living room. In fact, in a caption on Instagram, she calls it the second-most used space in the house next to the kitchen.



The belfry — the tower attached to the church — is made up of three levels. The top level still features a bronze church bell from the 1900s, Anastasiia told Business Insider.



The first floor of the tower is usually a library, but the couple recently (and temporarily) converted it into a guest bedroom.

The couple has big plans for the tower. The second floor is going to be transformed into a Victorian-style bedroom that the couple hopes to share with others through Airbnb. As for the third level, Anastasiia plans to transform it into a lounging area with floor-to-ceiling windows. 

The bronze bell will be removed from the tower and displayed elsewhere on the property.



Behind the house is an old cemetery. While they don't own it, Anastasiia told Business Insider that her family takes care of it by maintaining the land and doing some of the gardening.

"It's not as spooky as you'd think," she said.



Anastasiia believes the best part of owning and restoring the old church is the inspiration and creativity it fuels.



"My husband always says that we're just stewards of this place," she said. "This place has been here for over 100 years and it will be here long after we are gone. Our job is not to just make it what we want but to make sure we preserve it."



I've driven hundreds of cars in the past 5 years. These are the best designs.

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I like a beautiful car.

Luckily, I get to drive a lot of real beauts. Ferraris. Maseratis. Jaguars. Aston Martins. 

The good stuff.

But beauty shouldn't be limited. So while the Aston Martin DB9 is the loveliest thing I've driven since 2014, I've also found beauty in many other places. 

Here's a rundown:

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

The Acura NSX is a reboot of the legend from the 1990s, but this mid-engine masterpiece is thoroughly new, and with its sleek lines, gathered more attention in my driveway than almost any other car I've tested. Built in Ohio, the NSX was designed by Michelle Christensen.



The Acura TLX A-Spec PMC Edition is the most gorgeous — and mostly hand-built, limited-run version — of an already smashing four-door. That paint job!



The Alfa Romeo Giulia brings Italian panache, the the famous Alfa grille, to the crowded sport-sedan segment.



The Alfa Romeo 4C might be on the way out in the US, but the bonkers little ride is effectively a roadworthy race car that's also as close as one can get to a compact Ferrari at a budget price.



The Aston Martin DB9 is no longer with us, but if I were gonna pick the most beautiful car I've ever driven, this would be it. Henrik Fisker's design is smooth, powerful, restrained, perfectly proportioned. Actually, just perfect.



Of course, newer Aston Martins are also gorgeous. For example, this DB11 Volante, which proves that drop-top Astons are as lovely as the hardtops.



The Audi RS5 Sportback is a really sharp set of wheels, but what got it on this list was that "Sonoma Green Metallic" paint job. Zowie!



The Buick Regal TourX is easily the world prettiest Buick. It's a German-made American car that proves wagons are superior to SUVs.



The Cadillac CTS-V is essentially a four-door Corvette. Without a doubt, the coolest Caddy on the road.



The Chrysler 300 is an American sedan that deftly evokes muscle cars while exuding class.



The Corvette Grand Sport convertible is my personal favorite of the seventh-generation Vettes (now replaced by the mid-engine eighth-gen, these are the last Vettes to have their V8s up front). The GS is aggressive, but still free-spirited.



The Chevy Camaro SS is everything you want a muscle car to be, and the one I drove came in an eye-catching Hot Wheels orange paint job.



Prepare for some Ferraris. The GTC4 Lusso is a hybrid of a coupé and a wagon. The style, sometimes called a "shooting brake," is utterly unique.



The Ferrari 488 Spider is the sharpest 488, in my view. In an offbeat "Avorio" paint job (Italian for "ivory") the already beautiful supercar gained even more fans.



But I reserve a special place in my heart for the anachronistic Ferrari 812 Superfast and the V12 under that long hood.



The Ford GT, designed by the late Chris Svensson, is perhaps the most beautiful Ford ever. The racing version won the 2016 24 Hours of Le Mans, repeating history from 1966 when the famous "Ford vs. Ferrari victory was notched.



Gotta have a Mustang on my list, and the OTHER Ford GT get the job done. The current generation of 'Stangs are some of the best-looking ever, in my book.



Can't overlook the pickups! In that oft-homely realm, the Ford F-150 Raptor stands out. This is the half-ton turned up to 11.



Nobody thinks that minivans are attractive, but of all the makers, Honda has done the most to give these microbuses a snappy exterior.



Ian Callum had a tough job when Jaguar, as noted for beauty as Ferrari, decided to build an SUV. The result is the F-Pace, and there's no question that it's a work of art.



Still, the Jaguar F-Pace is more like it. Only Ferrari and Aston Marin can equal it. The lines are pure, the balance impeccable, and the sense of coiled power unmistakable.



Yes, there are three Jags on my list, and that should have been expected. The XF Sportbrake captured hearts and minds in my household. "I want that car," my wife said.



The Jeep Wrangler has been essentially unchanged for decades. Is it beautiful? No. But you won't find a better expression of utility, distilled to its essence. And that Jeep grille is iconic.



The Kia Stinger GT, designed by Peter Schreyer, immediately put the South Korean brand on a new set of radar screens — and showed that it was possible to shake things up in the sport sedan world.



The shark-like Lamborghini Huracán reset expectations for the brand, long known for flamboyant supercars. Here was an almost conservative design — but still a thrilling Lambo.



Then Lamborghini showed that it could translate supercar aesthetics into the SUV form.



The Land Rover Evoque Convertible is one of the most unusual vehicles on the road. It has detractors, but I love the nutty combo of SUV and drop-top.



The Lexus LC500 is among the best-designed cars Toyota's luxury brand has ever produced. It also delivers on the road, with satisfying performance.



Lincoln's revamped Navigator took the full-size SUV is such an appealing direction than the company had a tough time meeting demand. This vehicle carries its bulk lightly!



The Lincoln Continental, with its Art Deco styling — and limited-edition coach doors! — has made it my favorite large sedan.



When it comes to Maserati, I'm a sucker for the stylish Ghibli.



The redesigned Mazda MX-5 Miata is a joy to behold and a kick to drive. The bestselling roadster of all time got a new look in 2015, and for me it was a throwback to the first generation: a tossable drop-top that didn't feel like it needed a lot of horsepower.



The retractable fastback Miata MX-5 effectively added a coupé to the lineup. I disliked the design until I got my hands on one. Then I was sold.



Mazda has a lot of rides on this list! That's because the company gets good design. The plucky CX-3, for example, is my fave econo-hatch.



McLaren's 720S supercar is staggering. You can't stop looking at it, and behind the wheel it's among the most exciting driving experiences money can buy.



Like the Jeep Wrangler, the Mercedes-Benz G-Class (or "G Wagon") is practicality raised to the level of automotive art. Boxy, yet sharp, and ready for the zombie apocalypse.



Meanwhile, the Mercedes-Benz Sprinter has some of the same. This incredible practical mega-hauler has become an icon all its own.



The Mercedes AMG-GT is the only German car I've driven that can give Aston Martin, Ferrari, and Jaguar a run for their money. It's magnificent.



The John Cooper Works MINI is a ferocious, pint-size beast. Alec Issigonis, who designed the original Mini of 1959, would be impressed.



Yes, it's old. But the 370Z still stirs my senses and is among the most rewarding basic V6-engined cars to drive.



The Polestar 1 is powerful, provocative gas-electric hybrid that's the first vehicle from Volvo's new standalone performance brand. It's the sharpest ride I've driven since we wrapped up our 2019 Car of the Year award.



Ah, the Porsche 911. What more can I say? The design is a classic, and although some call it ugly, bug-eyed, and worse, you forget all aspersions once you slip behind the wheel.



Porsche Panamera Sport Turismo is, to my eye, the best Panamera design-wise (the Panamera has always been criticized on this front). Wagons fix everything! We need more wagons.



The Rolls-Royce Phantom is half a million dollars worth of old-school splendor. If you want the greatest motor car currently available, you need to pay up for one of these.



Smart's Fortwo has been around since the late 1990s and defines "city car" for me. It's not the greatest driver in town, but I defy anyone to fail at parallel parking behind the wheel of this.



Design Franz von Holzhausen's impeccable Model S has stood the test of time. Launched in 2012, it still appeals today.



Toyota's bestselling Camry was never lauded for design, but the latest generation takes some chances and has elevated the nameplate's profile.



The Prius isn't often praised for its beauty, but the car has defined what a hybrid hatch should look like for over a decade.



The Toyota Supra staged a comeback in 2019 and set the automotive community on fire. The design is bold, inviting aggressive driving.



The VLF Force 1 is a reskinned Dodge Viper — and what a skin! This over-the-top supercar is classic rock on four wheels with a V12 under the hood.



The Volkswagen Golf R extends Giorgetto Giugiaro's design for the first-generation Golf into new territory. It could be nothing else but a VW.



And finally, the VW Beetle. It's finally been retired in the US market. But that shape, with first appeared in the 1950s, could be with us forever.



A SoHo penthouse once listed for $65 million is now selling at a 25% discount. Take a look inside the triplex loft that's in the same building where Heath Ledger lived.

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A rigorously renovated 8,000-square-foot loft in Manhattan's hip SoHo neighborhood is selling for 25% off.

Originally asking $65 million, the triplex penthouse has gotten two price cuts in the past year-and-a-half, bringing its current asking price to $48.5 million.

The loft, which sits in the same building where the actor Heath Ledger lived before his death in 2008, was last sold in 2011 for $17 million, according to Curbed New York. The owners spent four years making gut renovations but ultimately decided it was too much space for them, Curbed reported.

"The penthouse at 421 Broome is truly incomparable," J. Eric Becker, previously of Corcoran and now at Douglas Elliman, told Business Insider. "In all of my years in real estate, I have never seen such a stunning home, with incredible attention to detail and unmatched design sophistication."

The property, previously listed by Corcoran and CORE Real Estate, is now listed by Douglas Elliman.

Take a look inside the updated luxury penthouse, which comes with six landscaped terraces and a hot tub.

SEE ALSO: An NYC penthouse once owned by Demi Moore just hit the market for $50 million, and she's just one of the celebs who have called the iconic Central Park building home. Here's a look inside.

READ MORE: The penthouse of NYC's Woolworth Building just got a $31 million price cut. Check out 'The Pinnacle,' which occupies the top 5 floors of the iconic, green-roofed skyscraper.

The $48.5 million triplex penthouse sits at the top of the SoHo building where actor Heath Ledger lived before his death.

The owners spent four years renovating the luxurious four-bedroom, 6.5-bathroom penthouse, which is in a "landmarked cast-iron condominium dating back to 1873," according to the listing.



The building is on Broome Street in New York City's SoHo neighborhood, which was once an industrial district.

Source: Corcoran/CORE



Today, SoHo is a hip shopping area filled with designer boutiques and luxury apartments.

Source: NYC Go



The largest of the penthouse's living areas, called the "Great Room," is illuminated by two skylights and six large arched windows overlooking the neighborhood below. Two wood-burning fireplaces face each other from opposite ends of the room.

Source: Douglas Elliman



A long dining table sits underneath one of the skylights.

Source: Douglas Elliman



The spacious kitchen features an 86-inch range and black granite countertops.

Source: Douglas Elliman



There's also a wood-burning fireplace, as well as two pantries and wine rooms.

Source: Douglas Elliman



A black marble staircase leads to the level with the master bedroom suite.

Source: Douglas Elliman



The master suite has a wood-burning fireplace, a coffee bar, 20 custom closets, and French doors that open to dual private terraces.

Source: Douglas Elliman



The master bathroom comes with two showers and a large soaking tub.

Source: Douglas Elliman



The marble bathtub looks out onto the private terrace.

Source: Douglas Elliman



The space was designed to merge indoor and outdoor living, with 3,700 square feet of private exteriors. There are six irrigated and landscaped terraces.

Source: Douglas Elliman



The outdoor areas are partially covered by heated steel and glass canopies. On the entertaining terrace, there's a wood-burning fireplace and a TV alcove.

Source: Douglas Elliman



There's even a hot tub, where the lucky buyer can have a relaxing soak while taking in the views of lower Manhattan.

Source: Douglas Elliman



The home also comes with full-time door-attendant services and an exclusive rear yard with two parking spaces.

Source: Douglas Elliman



Plant-based 'meat' is conquering fast food. Here's where you can get meat substitutes like the Beyond Burger and the Impossible Taco.

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Impossible Burger and Umami Burger

  • Plant-based meat alternatives are making inroads into the fast-food and casual-dining markets.
  • Impossible Foods announced in May it had raised $300 million in a new funding round. Earlier that month, Beyond Meat went public and saw its stock jump 163% on its first day of trading.
  • On Monday, Sheetz became the first major convenience store chain to add a plant-based option to its menu with the debut of a Beyond Burger at all 597 locations.
  • Here are 18 major chains where you can buy plant-based versions of your fast-food favorites.

After two years of testing the waters, fast-food companies are finally ready to embrace plant-based meat substitutes, with popular chains including Burger King and White Castle leading the charge.

Sheetz became the latest chain and first major convenience store chain to add a plant-based option to its menu on Monday, announcing the immediate launch of a Beyond Burger at all 597 store locations. Other chains that have recently jumped on the plant-based bandwagon include Denny's, Dunkin', and Hardee's.

Boosted by Burger King's commitment to its product, Impossible Foods announced in May it had raised $300 million in a new funding round. This came hot on the heels of its competitor Beyond Meat's explosive initial public offering. Both companies have faced product shortages as consumer demand continues to rise and the product category enters the mainstream.

Here are some of the biggest fast-food and casual-dining chains that now offer plant-based meat alternatives:

SEE ALSO: I tried the plant-based burger Nestlé is launching to compete with Beyond Meat and Impossible Foods. Here's what it tastes like.

White Castle

What: Impossible Slider

Where: Participating White Castle locations nationwide

In April 2018, White Castle became an early fast-food adopter in the new wave of plant-based burgers. The company is still experimenting with new flavor combinations featuring a patty made by Impossible Foods, such as the BBQ Impossible Slider it unveiled in April 2019.



Burger King

What: Impossible Whopper

Where: 7,000+ Burger King locations nationwide

This past April, Burger King began testing its new Impossible Whopper at 58 locations in St. Louis, to resounding success. On August 1, the chain announced a national rollout for the Impossible Whopper at over 7,000 Burger Kings across the country.

Read more:We tried Burger King's plant-based Impossible Whopper next to the original — here's how they actually compare



McDonald's

What: P.L.T. Burger

Where: 28 locations in Canada

McDonald's finally entered the plant-based game in late September with the "Plant. Lettuce. Tomato." or P.L.T. Burger, which debuted at select locations in Southern Ontario for a 12-week test run. The P.L.T. Burger is made with Beyond Meat but is not vegan as it is cooked on the same grill as beef burgers.



A&W Canada

What: Beyond Burger

Where: All A&W locations across Canada

A&W, the second-biggest burger chain in Canada after McDonald's, announced in June 2018 that it would offer Beyond Meat's plant-based patty at all of its restaurants starting on July 9 of that year. In March 2019, A&W added a Beyond Meat Sausage & Egger to its menu, a sign the company is continuing to expand its plant-based meat alternatives.



Hard Rock Cafe

What: Impossible Burger

Where: 40 locations in the United States

Hard Rock Cafe has been serving Impossible Burgers at all of its company-owned US locations since December.



The Cheesecake Factory

What: Impossible Burger

Where: Nationwide locations

The Cheesecake Factory has offered its rendition of the Impossible Burger at locations nationwide since August 2018.



Qdoba

What: Impossible tacos, burritos and bowls

Where: All 730 Qdoba locations

Qdoba rolled out Impossible tacos and bowls nationwide in May 2019, and in October added Impossible fajita bowls and burritos to the menu.



Red Robin

What: Impossible Burger

Where: All Red Robin locations in the US

Red Robin added the Impossible Burger to the menu at all of its more than 570 locations on April Fools' Day this year. But the chain's relationship with the meatless burger is no joke — you can put the Impossible Burger patty on any Red Robin gourmet burger in lieu of a standard beef patty.



TGI Fridays

What: Beyond Burger

Where: 469 participating locations

After a test at select locations in October 2017, TGI Fridays added Beyond Meat's Beyond Burger to its menu at 469 locations in January 2018. The Beyond Burger patty can be substituted for a beef patty in any of the chain's burgers.



Carl's Jr.

What: Beyond Famous Star, Beyond BBQ Cheeseburger

Where: Participating locations

The Beyond Famous Star cemented its place on Carl's Jr.'s menu after a successful trial run in January, according to Food & Wine. After its success, the chain added another Beyond option to its menu: the Beyond BBQ Cheeseburger. You can also substitute the Beyond patty for any chicken or beef burger menu item.



Del Taco

What: Beyond Taco

Where: All 580 Del Taco locations across the country

Since April 25, Del Taco has offered Beyond Meat as a meat-filling substitute for any item on its menu. You can get tacos, burritos, nachos, and fries with Beyond Meat seasoned to taste exactly like its seasoned beef filling.



Blaze Pizza

What: Vegan Spicy Chorizo Topping

Where: Any Blaze Pizza location

As part of its Earth Day initiative, Blaze Pizza added a vegan Spicy Chorizo protein to its list of toppings. This in-house creation was designed by Blaze's executive chef, Bradford Kent, and is available at no extra charge.



Dunkin'

What: Beyond Sausage Breakfast Sandwich

Where: Nationwide

Dunkin' said it aims to "democratize trends" by partnering with Beyond Meat. The Beyond Sausage Breakfast Sandwich is available nationwide after a test run in Manhattan.

Read more: I compared Dunkin's new Beyond Meat breakfast sandwich with the real deal and was surprised to find the plant-based 'meat' was better — here's why



Little Caesars

What: Impossible Supreme Pizza

Where: Florida, New Mexico, and Washington State

In May Little Caesars became the first national pizza chain to test a plant-based "meat." Impossible Foods' sausage is available as a topping in three test markets, and if it does well, it might get a nationwide rollout.



Fatburger

What: Impossible Fatburger

Where: All US Fatburger locations

California-based Fatburger was one of the first public chains to sell the Impossible Burger in all of its US locations. You can also top your Impossible Burger with vegan Daiya cheese at all US locations.



Hardee's

What: Beyond Sausage Biscuit and Original Beyond Thickburger

Where: Raleigh, North Carolina, and Kansas City, Missouri

Hardee's announced on October 9 that it would be testing its plant-based options in two markets for a limited time starting October 16. Sister chain Carl's Jr was one of the first to offer a plant-based option nationwide, rolling out its Beyond Famous Star at 1,100 restaurants in January.



Denny's

What: Beyond Burger

Where: Los Angeles now, nationwide in 2020

Denny's announced on October 28 that its new Beyond Burger would be available at all Los Angeles locations immediately. The plant-based burger will also become available nationwide in 2020.



Sheetz

What: Beyond Burger

Where: All 597 stores

The East Coast convenience store Sheetz announced on December 9 that it would start selling Beyond Burgers at all of its 597 locations immediately. Sheetz's Beyond Burger can be customized with a variety of bun, cheese, topping, and spread choices.



8 things nominated for Golden Globes this year that critics don't actually like

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golden globe critical flops

  • The 2020 Golden Globe nominations were announced on Monday and some nominees have been panned by critics. 
  • "The Lion King" was nominated for best animated motion picture, even though it's received negative reviews from a large number of critics. 
  • Despite mixed critical reception, "Joker" was nominated for four Golden Globes.
  • HBO's "Game of Thrones" was nominated for a Golden Globe even though the last season of the show was its lowest-rated one yet. 
  • Visit Insider's homepage for more.

The 2020 Golden Globe nominations were announced on Monday, bringing an array of television shows and movies to the forefront of awards season.

However, not all of the nominees were universally beloved by critics. 

Here are films and series nominated for a Golden Globe that have earned mixed praise from critics. 

Note: The scores from Rotten Tomatoes were accurate at the time of publication but are subject to change.

Although critics had mixed feelings about it, "Joker" (2019) earned four Golden Globe nominations.

"Joker" earned a whopping four nominations: best motion picture drama, best director of a motion picture, best original score, and best performance by an actor in a motion picture — drama for Joaquin Phoenix's role as Arthur Fleck. 

Although the scale still tipped towards positive in terms of critical reception, "Joker" has a Rotten Tomatoes critical score of 69% due to mixed reviews

In general, critics were amazed by the cinematography and vision of the film, with many reviewers noting Phoenix's devotion to the role. Other critics weren't as impressed, saying that "Joker" paled in comparison to the films that had influenced it. 

As Matthew Rozsa of Salon wrote, "While it succeeds in aping the superficial aspects of [Martin] Scorsese's style, 'Joker' lacks the intelligence or gravitas of Scorsese's best work."

Additionally, some critics thought that the film's thematic messaging missed the mark.

As The New York Times critic Lawrence Ware wrote, "What the film wants to say — about mental illness or class divisions in society — is not as interesting as what it accidentally says about whiteness."



"The Lion King" (2019) was nominated for best animated motion picture, even though it has a low critic score on Rotten Tomatoes.

Disney's animated remake of "The Lion King" was nominated for best animated motion picture.

And although the summer blockbuster was a big financial success for Disney, it earned a slew of negative reviews from critics, yielding a rotten score of 53% on Rotten Tomatoes

The film's main criticism seemed to lie in the overabundance of CGI, which aimed for hyper-realism but often left reviewers feeling uneasy. 

"Where the animated original had an endearingly cheery anthropomorphism, with wide eyes and cute expressions, this lacks that," wrote Claudia Puig for NPR's Morning Edition. "You're marveling at the beauty of the animals, but it just doesn't work with the material." 

Critics also seemed disenchanted by the film's intention alone, remarking that a remake of the 1994 original felt unnecessary. 

"By this point, Disney's do-overs feel a lot like their cash-grabby, inspiration-free '90s direct-to-video sequels, only with vastly better production values," wrote Matthew Lickona for the San Diego Reader



Cate Blanchett earned a nomination for "Where'd You Go, Bernadette?" (2019) but the film itself was panned by critics.

An adaptation of the bestselling novel, the film "Where'd You Go, Bernadette" starred Cate Blanchett as the titular Bernadette Fox.

The actress received a Golden Globe nomination for best performance by an actress in a motion picture — musical or comedy. 

But critics largely disliked "Where'd You Go, Bernadette?" leading to a rotten score of 48% on Rotten Tomatoes. Reviews pointed to a slapdash script and underdeveloped characters as the film's biggest flaws. 

"The script is an insult to the principle of adaptation: All that is good in the plot has been excised in favor of the shortest route to a happy ending," wrote critic Josephine Livingstone in her review for The New Republic

Critics also largely agreed that Blanchett was a shining light in the film, but even so many thought that it was far from a career-best performance for the star. 

"As troublesome and overstuffed as Blanchett's performance might be, it's also one of the few interesting things going on in this troublesome and overstuffed misfire of a book adaptation," wrote Oliver Jones for the Observer



"Frozen 2" (2019) earned two nominations, but some critics felt that it didn't live up to its predecessor.

"Frozen 2," the follow-up to the popular Disney animated movie "Frozen" (2013), won two Golden Globe nominations: one for best animated motion picture and another for best original song. 

The Disney sequel earned a rush of positive reviews and received a certified fresh rating of 77% on Rotten Tomatoes, but several film critics weren't easily won over by the animated flick. 

Some were lost from the get-go, with film critic Josh Larsen calling it a "torturously convoluted extension of an already complicated narrative." 

Others liked the first film but felt that the second fell short of the original's sweeping narrative — "Frozen" has a 90% on Rotten Tomatoes.

"There's magic here, and elemental spirits, but no magic and nothing elemental, metaphorically speaking," wrote Mary Ann Johanson for the Flick Filosopher. "Rote and smaller than its predecessor. Even the songs are bland and forgettable." 



"Motherless Brooklyn" (2019) received a nomination for its moving score, but critics found little else to praise.

The Edward Norton-directed drama "Motherless Brooklyn" received a Golden Globe nomination for best original score by composer Daniel Pemberton.

That said, critical reception for the film was mixed, leading to a critical score of 62% on Rotten Tomatoes

Critics felt that the drama's faults generally laid with Norton's misguided ambition to make a serious nod to the film noir genre.

"Its homage to film noir is over-the-top and borderline parodic — at times, it's more 'Who Framed Roger Rabbit?' than 'Chinatown,'" wrote Independent critic Clarisse Loughrey

Still, others felt that the film suffered due to its length and cast of detached characters. 

Financial Times critic Nigel Andrews called the drama a "bloated, 145-minute crime flick with a gimmicky protagonist investigating a cliché-prone murder-and-corruption plot."



Apple TV Plus' "The Morning Show" received three nominations even though it failed to win many critics over.

"The Morning Show" earned three Golden Globe nominations: best television series — drama and best performance by an actress in a television series — drama for both Jennifer Aniston and Reese Witherspoon.

But the Apple TV Plus series has a critical score of 63% on Rotten Tomatoes, with critics split on their opinion of the program. 

Some reviewers stressed that the series feels like a vanity project with unrelatable material. 

"This is TV about the 1% made by the 1% and produced by the ultimate 1% company, and it's simply less interesting than the true story that it's ripping off,"CJ Johnson wrote for Film Mafia.

Even amidst positive reviews, critics still found fault with the television series As Slate critic Willa Paskin wrote, "It's not great, but oh, God, is it interesting."



Netflix's "The Politician" received two nominations for its first season, despite mixed critical reception.

The Ryan Murphy dramedy series "The Politician" was nominated for best television series — musical or comedy and best performance by an actor in a television series — musical or comedy for Ben Platt's role as Payton Hobart. 

And although audiences have raved about the show, "The Politician" has a fairly low critical score of 57% on Rotten Tomatoes.

Many critics liked "The Politician" for its plucky energy and seamless cinematography, but other reviewers weren't as charmed by the series, saying it doesn't stack up to Murphy's more heavy-hitting projects.

"It's just a little lightweight, closer to 'Glee' or 'The New Normal' than it is to Murphy's true heavy-hitters like 'Pose' or 'American Crime Story,'" wrote film critic Wenlei Ma for news.com.au

Other critics felt that the show's primary issue was building itself around an unempathetic protagonist. "It's a daring show that reveals right from the start how wooden and obviously constructed its central character is," wrote Sophie Gilbert for The Atlantic

 



Even though its last season was its lowest-scoring one yet, HBO's "Game of Thrones" received a nomination.

Based on the "Song of Ice and Fire" book series, the global phenomena "Game of Thrones" came to an end in 2019.

The oft-nominated series only received one nod this year, with Kit Harington nominated for best performance by an actor in a television series — drama for his role as Jon Snow. 

That said, the last season was controversial among fans and divisive amidst critics. 

Although every other season in the show's run currently sits at or above 90% on Rotten Tomatoes, the show's eighth and final season has a critical score of just 58%.

Critics felt the show's biggest failing in season eight was that it simply did not live up to the prior near-decade of television magic. 

"Season eight made the regrettable mistake of giving half its time to an underwhelming villain at the expense of the characters who made the show special in the first place," wrote film critic Ian Thomas Malone

"In the final six episodes, 'Game of Thrones' should have felt like a game of chess," wrote Jeff York for Creative Screenwriting. "Instead, it veered very close to feeling more like a game of checkers. And that's probably why so many viewers felt burned."

Read More:






Everything you need to know about Trump's impeachment process: What's happened, who the players are, and what comes next

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U.S. President Donald Trump holds a campaign rally in Monroe, Louisiana, U.S., November 6, 2019. REUTERS/Leah Millis - RC226D94OX2J

  • Donald Trump's presidency has been upended by an explosive whistleblower complaint that has snowballed into a fast-moving impeachment inquiry.
  • The scandal has ensnared dozens of people on both sides of the Atlantic Ocean and poses the most immediate threat to Trump's presidency yet.
  • What is impeachment? How did we get here? And what could happen next?
  • We hope this guide will help answer these questions. There's even a table of contents below so you can jump to a specific section.
  • Visit Business Insider's homepage for more stories.

Donald Trump's presidency has been upended by an explosive whistleblower complaint that has snowballed into a fast-moving impeachment inquiry, ensnaring dozens of people on both sides of the Atlantic Ocean and posing the most immediate threat to Trump's presidency yet.

What is impeachment? Impeachment doesn't mean automatic removal from office. The impeachment process can be thought of as somewhat analogous to a criminal proceeding, even though impeachable offenses don't have to be criminal offenses. The House, like a grand jury, collects evidence, hears testimony, and drafts articles of impeachment — or charges — against the president.

If a majority of the House votes to charge the president, the Senate holds a trial where both sides present their cases and senators act as jurors. If two-thirds of senators vote to convict the president on the charges brought by the House, the president is removed from office.

How did we get here? And what could happen next? We hope this guide will help answer these questions. We highly recommend you read the entirety of this story so you can be as informed as possible, but you can also jump to a specific section from the table of contents below.

Table of contents

SEE ALSO: What comes next in the House's impeachment inquiry into Trump

First, here's a 60-second explanation of what's going on:

In early September, an anonymous whistleblower complaint lodged by a member of the intelligence community said that in a series of events culminating in a July 25 call with Ukrainian President Volodymyr Zelensky, Trump used "the power of his office to solicit interference from a foreign country in the 2020 U.S. election."

The complaint detailed concerns that Trump, days after withholding a nearly $400 million military-aid package, used the call with Zelensky to pressure the Ukrainian government to investigate former Vice President Joe Biden and his son Hunter.

Hunter Biden served on the board of Burisma Holdings, a Ukrainian oil-and-gas company, from 2014 to 2019. Trump and his allies have, without evidence, accused Biden of using his power as vice president to urge Ukraine to fire a prosecutor who was investigating Burisma in order to protect Hunter.

The whistleblower's complaint has been corroborated by the White House's summary notes of the July 25 call, White House officials themselves, and the sworn testimony of several career diplomatic and national-security officials.

Multiple diplomats have now testified under oath that the Trump administration explicitly conditioned lifting the hold of the military aid to Ukraine on Zelensky publicly announcing investigations into Burisma and a discredited conspiracy theory that Ukraine meddled in the 2016 election to benefit Hillary Clinton.

On Tuesday, December 10, House Democratic leaders announced they would introduce articles of impeachment charging Trump with abusing his office and obstructing Congress. 



The players

Here are the key players, broken down by group. Click on their names to learn more about their role in the Trump-Ukraine scandal and impeachment inquiry:

  • White House officials:
    • President Donald Trump, who asked Zelensky to do him "a favor" related to an investigation into Burisma and the 2016 election.
    • Vice President Mike Pence, whom Trump used as a conduit to further get the message across to Ukraine that it needed to investigate corruption to get US support.
    • Jennifer Williams, a State Department official detailed to the Vice President's office who listened in on the July 25 call and testified before Congress. 
    • Mick Mulvaney, the acting chief of staff, who in a press briefing undermined Trump's impeachment defense by confirming that the administration withheld the aid in exchange for an investigation into the Democratic National Committee server.
    • Pat Cipollone, the White House counsel and the White House's first line of legal defense against the impeachment inquiry.
    • Army Lt. Col. Alexander Vindman, an expert on Eastern European affairs on the National Security Council who listened to the July 25 call and raised concerns about it to his superiors.
  • Current and former Trump administration officials:
    • Secretary of State Mike Pompeo, who was also on the July 25 call with Ukraine. Pompeo is also accused of misrepresenting his involvement in the matter and obstructing congressional investigations into it.
    • John Bolton, the former national security adviser, who is said to have pushed back on the idea of conditioning assistance to Ukraine for investigations. He could soon testify before Congress.
    • Former NSC senior director for Eurasian and Russian affairs Fiona Hill,who gave powerful testimony to Congress about the efforts to pressure Ukraine into announcing investigations into the Bidens. 
    • Attorney General William Barr, whom Trump entangled in the impeachment inquiry by asking Ukraine to work with Barr on corruption investigations and requesting that Barr hold a press conference clearing Trump of wrongdoing.
    • Secretary of Energy Rick Perry, whom Trump tried to blame for the Ukraine call after the fact. Perry is set to leave the administration at the end of this year.
    • Pentagon official Laura Cooper, who testified on November 20 that the DOD was aware of the freeze placed on the aid to Ukraine by late July, almost a month earlier than had been previously reported.
  • Intelligence community officials:
    • Acting Director of National Intelligence Joseph Maguire, who transmitted the whistleblower complaint to Congress and was the first witness to testify publicly about its contents.
    • Michael Atkinson, the intelligence community inspector general, whom the whistleblower initially filed their complaint to.
    • The anonymous whistleblower.
  • Current and former diplomats:
    • Kurt Volker, the former US special representative for Ukraine, who gave critical testimony to Congress about the extent of Trump's personal lawyer Rudy Giuliani's involvement in the Trump-Ukraine saga.
    • Gordon Sondland, the US ambassador to the European Union, a Trump appointee who testified that the pressure on Ukraine to investigate the Bidens was "insidious" and at least improper, if not illegal.
    • Bill Taylor, the acting ambassador to Ukraine, a Vietnam veteran and career diplomat who gave explosive and damning testimony to Congress that it was his "clear understanding" that "security assistance money would not come until" Zelensky "committed to pursue the investigation."
    • Marie Yovanovitch, the former US ambassador to Ukraine, a career diplomat who gave powerful and damning testimony that Trump and Giuliani pushed her out of her position for standing in the way of their efforts to compel Ukraine to investigate the Bidens.
    • David Holmes, a political counselor at the US embassy in Kyiv, Ukraine who publicly testified along Hill about Giuliani and Sondland's efforts to trade military aid for Ukraine announcing investigations into Burisma. 
  • Ukrainians:
    • President Volodymyr Zelensky, a former comedian and first-time president who was elected this April on a platform of cleaning up corruption in Ukraine.
    • Viktor Shokin and Yuriy Lutsenko, former Ukrainian prosecutors-general who were involved in the investigations into Burisma Holdings.
  • Members of Congress:
    • Rep. Adam Schiff, the House Intelligence Committee chairman, the person taking charge of the impeachment inquiry, subpoenaing witnesses, and holding hearings.
    • House Speaker Nancy Pelosi, who is guiding the trajectory of the impeachment inquiry in the House and recently called for a vote on a resolution to formalize the terms of the inquiry's public phase.
    • Senate Majority Leader Mitch McConnell, who would set the agenda for an impeachment trial in the Senate.
  • Others:
    • Former Vice President Joe Biden, a 2020 Democratic presidential candidate who ran point on US-Ukraine relations in the Obama administration.
    • Hunter Biden, Joe Biden's eldest son, who served on the board of the Ukrainian energy company Burisma Holdings from 2014 to 2019.
    • Rudy Giuliani, Trump's personal attorney who served as an unofficial envoy to Ukraine and roped various diplomats into his efforts to demand that Ukraine investigate the Bidens and the 2016 election He's now the focus of a federal investigation.
    • Lev Parnas and Igor Fruman, two business associates of Giuliani's who were recently charged with federal campaign-finance violations in connection with their Ukrainian lobbying work. Parnas is cooperating with the impeachment inquiry.


The stakes

Asking a foreign government for material campaign aid is not only unprecedented from a US president, but it could even violate campaign finance laws against soliciting campaign contributions or help from foreign nationals.

Beyond the immediate threat to Trump and those in his inner orbit, the Trump-Ukraine scandal could have lasting geopolitical consequences that reverberate for years to come.

Ukraine is highly dependent on American military aid to defend itself from incursions from Russia. Ukraine has been engaged in a hot war with Russia, a US adversary, since 2014, when Russia invaded and annexed the peninsula of Crimea, a contested territory.

In his testimony to Congress, Lt. Col. Alexander Vindman, an expert on Eastern European affairs on the National Security Council, expressed concern about the military and political implications of the administration withholding the aid.

Bill Taylor, the acting ambassador to Ukraine, also testified that the US withholding aid and signaling less support for Ukraine could further embolden Russia to take more aggressive military action and contribute to further destabilization of the region.



The possible outcomes

The impeachment process traditionally begins in the House Judiciary Committee, which will draw up the articles of impeachment for abuse of power and obstruction of Congress based on the results of the inquiry.

If the committee passes those two articles of impeachment, they go to the full floor of the House and require a simple majority vote to pass. Members vote on each article individually, meaning Trump could be impeached on some articles but not others.

Former President Bill Clinton, for example, was impeached on articles of perjury and obstruction of justice, but he was cleared on a separate perjury-related article and a charge of abusing his office. In January 1999, the Senate acquitted Clinton on both charges.

For Trump to be removed from office, two-thirds of the US Senate — 67 members — must vote to convict him of articles of impeachment. Currently, the Senate consists of 53 Republicans, 45 Democrats, and two independents who caucus with Democrats.

If Trump is not impeached, or impeached but not convicted in the Senate, he stays in office, and it'll be left up to the American people to reelect him or vote him out of office in 2020.



Here's a timeline of events from our past coverage:

December 10:

House Democrats unveil 2 articles of impeachment against Trump, charging him with abuse of power and obstruction of Congress

December 9:

Republicans hijacked the House Judiciary Committee's impeachment hearings and turned them into a circus

December 8:

'This a trap that Giuliani and Trump literally walked into': Russia may know more about the Ukraine scandal than we do

December 6:

White House says it won't participate in Trump impeachment hearing

Nancy Pelosi made her case for articles of impeachment at a CNN town hall. Here are the 5 biggest takeaways.

December 5:

Nancy Pelosi says House will move forward with articles of impeachment against Trump

Nancy Pelosi lambasted a reporter for asking if she hated the president, then stormed offstage: 'Don't mess with me when it comes to words like that'

Joe Biden tore into an Iowa voter who claimed he sent his son Hunter to work in Ukraine, calling him a 'damn liar' and challenging him to a push-up contest

December 4:

The biggest takeaways from the House Judiciary Committee's first public impeachment hearing

3 legal experts forcefully testified on Wednesday that Trump abused his power and should be impeached

The GOP's only impeachment witness on Wednesday contradicted his own previous testimony

Progressive impeachment legal witness Pamela Karlan unexpectedly cited Brett Kavanaugh to argue foreign nationals shouldn't interfere in US elections

One of the nation's top constitutional experts unloaded on Trump in Wednesday's impeachment hearing, saying he committed 'impeachable high crimes' and abused power

December 3:

GOP Rep. Devin Nunes' phone calls with Giuliani and one of his indicted Ukraine associates showed up in the House's impeachment report

House Intelligence Committee's impeachment report found that Trump engaged in a quid pro quo with Ukraine and obstructed Congress' impeachment inquiry

December 2:

Ukraine's president rejected one of Trump's main defenses for withholding military aid, but denied there was a quid pro quo

November 28:

A recent court ruling could open the floodgates and let Congress haul in all of Trump's allies who have refused to testify in the impeachment inquiry

November 27:

2 US officials were so disgusted Trump withheld military aid from Ukraine that they resigned

Rudy Giuliani was angling for a 6-figure business deal with a corrupt Ukrainian prosecutor while pushing him to get political dirt on the Bidens

November 26:

Women are the biggest supporters of impeachment and want Trump removed by an 18-point margin

Trump knew about the whistleblower complaint prior to unfreezing military aid to Ukraine a bombshell new report says

November 25:

House impeachment investigators reportedly have secret recordings of Trump and Rudy Giuliani, given to them by Giuliani's associate Lev Parnas

The US Supreme Court ruled to temporarily shield Trump's financial records from Congress

'Presidents are not kings': Judge rules that former White House counsel Don McGahn must testify before Congress related to Mueller investigation

Former White House counsel Don McGahn has been ordered to testify before Congress. Experts say the court ruling may encourage Bolton and other top Trump officials to come forward in the impeachment probe.

November 24:

A confidential White House review reportedly found emails from top officials trying to justify Trump's Ukraine military-aid block

Moderate Republicans went all in defending Trump at the impeachment hearings, which means Democrats have no chance to win them over

Rudy Giuliani says he has 'files' on the Bidens that will be released 'if I disappear'

November 23:

State Department documents link Mike Pompeo to Rudy Giuliani in the months leading up to Yovanovitch's recall

The 5 impeachment witnesses who locked down the Democrats' case against Trump

Ukraine's President Zelensky said he didn't feel pressured by Trump. Here's why that's bogus.

November 22: 

There's a huge loophole in the GOP's claim that Trump's sale of Javelin missiles to Ukraine shows his support for the country

Trump essentially admitted on live TV to doing the thing he's accused of in the impeachment inquiry

John Bolton says his Twitter account was 'supressed unfairly' after he left the Trump White House, and he dropped a cryptic hint that a bombshell revelation may be coming soon

Here are the most important takeaways from every day of Trump's impeachment hearings

November 21:

Fiona Hill and David Holmes gave powerful testimony about how everything was about to 'blow up' with Trump and Ukraine. Here are the biggest takeaways from their impeachment-inquiry hearing.

Former NSC official Fiona Hill gave a master class on what it means to be a non-partisan fact witness

Former NSC official Fiona Hill blasted sexist attitudes about women's anger in her impeachment testimony, and people love her for it

Impeachment witness Fiona Hill said she thought Gordon Sondland's testimony about Biden wasn't 'credible'

Fiona Hill slams Republican lawmakers who've promoted 'politically driven falsehoods that so clearly advance Russian interests'

Republicans are using massive signs to defend Trump so the cameras can catch them in the televised impeachment hearings

November 20:

A Pentagon official unexpectedly blew up Trump's defense in the Ukraine scandal and Gordon Sondland threw everyone under the bus. Here are the biggest takeaways from Wednesday's impeachment hearings.

Defense Department official gives bombshell testimony that US and Ukrainian officials asked about frozen military aid on the same day as Trump's call with Zelensky

Republicans are grasping at straws after EU Ambassador Gordon Sondland blew up one of their last defenses of Trump

Trump's ambassador to the EU says the president ordered him against his will to work with Rudy Giuliani on Ukraine

Cameras captured Trump's Ukraine talking points, written in giant Sharpie letters: 'I want nothing. I want no quid pro quo.'

The GOP warned Ambassador Sondland that he'd be 'smeared' by Democrats in the impeachment hearing before turning around and smearing him themselves

Rapper A$AP Rocky was a surprise focal point of Ambassador Sondland's impeachment hearing testimony

November 19:

The GOP's own witnesses blew up their case and a Purple Heart recipient was accused of disloyalty. Here are the biggest takeaways from Tuesday's impeachment hearings.

Republicans tried to smear Alexander Vindman by implying the US military officer has dual loyalty to Ukraine

Kurt Volker completely reverses his previous impeachment testimony and now says he thought discussions about political investigations were 'inappropriate'

Republicans called Kurt Volker to testify and he promptly shut down the right wing's biggest allegation against Joe Biden

Devin Nunes used all his time in the impeachment hearing to try to out the Ukraine whistleblower

November 18:

23 photos show the key moments of Trump's impeachment so far

Ambassador Sondland said Trump doesn't 'give a s---' about Ukraine except when it benefits him personally, official testifies

November 15:

Marie Yovanovitch took aim at Trump, Rudy Giuliani, and top brass at the State Department in damning testimony

Marie Yovanovitch gave powerful and incriminating testimony in the Trump impeachment hearing. Here are the biggest takeaways.

Trump attacked Marie Yovanovitch as she testified about learning she was fired while honoring an assassinated corruption activist

Experts say Trump's attacks on Marie Yovanovitch during the impeachment hearing amount to witness intimidation

Marie Yovanovitch was met with resounding applause and cheers after testifying for almost 7 hours in Trump's impeachment inquiry

Congressional Republicans are repeating many baseless conspiracy theories in Trump's impeachment inquiry. Here's why they're all bogus.

'Sondland told Trump that Zelensky 'loves your ass'': Official who overheard a call between Trump and a US ambassador testifies Trump asked about Ukraine investigations

November 14:

Fox News anchor Chris Wallace called the impeachment testimony 'very damaging' to Trump. The network earlier ran a graphic referring to Bill Taylor as a 'never Trumper.'

See the viral exchange where a Republican tried calling out Trump's whistleblower during the blockbuster impeachment hearings and a Democrat had the perfect response

November 13:

Bill Taylor and George Kent's vivid testimony in the first open impeachment hearing blew up Trump's defense in the Ukraine scandal

Bill Taylor and George Kent gave devastating testimony in the first Trump impeachment hearing. Here are the biggest takeaways.

A top State Department official blew a hole through one of Trump's main talking points in the impeachment hearing

Longtime diplomat Bill Taylor testifies that he had never seen a US president make foreign aid conditional on their personal or political interests

Top US diplomat Bill Taylor revealed details of a previously unknown phone call between Trump and Gordon Sondland in his bombshell impeachment hearing testimony

State Department official George Kent accuses Rudy Giuliani of 'infecting' US-Ukraine relations with 'false information' and a 'smear campaign' in impeachment hearing testimony

November 12:

Trump wants to fire the intelligence watchdog who told Congress about the whistleblower's complaint

A Pentagon official's newly released testimony further devastated Trump's central impeachment defense that Ukraine aid freeze wasn't linked to search for Biden dirt

Republicans are trying to shift the argument over impeachment to what was going on inside Trump's mind, after testimony tore apart defenses based on fact

November 11:

Aides reportedly tried to anticipate the fallout from Biden's son's dealings in Ukraine back in 2014 but were shut down because he was consumed by grief

A businessman involved in Giuliani's quest for Biden dirt claims he was sent on a mission to broker a 'quid pro quo,' and his testimony could be highly damaging for Trump

John Bolton's lawyer dropped an intriguing hint that shows why he could be the most dangerous witness against Trump

November 10:

House Intelligence members say committee has evidence of a Trump-Ukraine 'extortion scheme'

November 9:

House Republicans requested that Hunter Biden and the whistleblower publicly testify in impeachment hearings

Here's how Trump could be impeached, removed from office, and still win re-election in 2020

November 8:

Trump's former top Russia adviser Fiona Hill's impeachment testimony paints damning picture of pressure put on Ukraine

Here are the biggest takeaways from Lt. Col. Alexander Vindman's blockbuster testimony against Trump

November 7:

Ukraine was about to cave to Trump's demands. Then the public found out about the whistleblower.

November 6:

Rudy Giuliani lawyers up as federal prosecutors investigate and the impeachment inquiry ramps up

Transcript of Bill Taylor's testimony underscores extreme lengths Trump went to in urging Ukraine to investigate Bidens

Adam Schiff announces public hearings in impeachment probe will begin next Wednesday

November 5:

Former diplomat Kurt Volker says Rudy Giuliani was a 'direct conduit' to Ukraine and demanded they publicly announce an investigation into the Bidens

Gordon Sondland, US ambassador to the EU, is the latest witness to confirm a quid pro quo between Trump and Ukraine

November 4:

An indicted businessman with ties to Rudy Giuliani is willing to comply with Trump impeachment inquiry

It looks like Trump and Giuliani's efforts to intimidate and bully the former Ukrainian ambassador went much further than publicly known

Ukraine is firing the prosecutor who discussed a probe of the Bidens with Giuliani

Trump's ex-Ukraine envoy said she felt 'shocked' and threatened when Trump told Ukraine's president she was 'going to go through some things'

November 3:

The whistleblower at the heart of the impeachment inquiry has offered to answer written questions from House Republicans, lawyer says

October 31:

Former White House official testified that military aid to Ukraine was held up by Trump's demand to investigate Joe Biden

House passes resolution formalizing impeachment inquiry into Trump as GOP continues to slam process

Former national security adviser John Bolton asked to testify in House impeachment inquiry

October 29:

House Democrats took an important step in the impeachment inquiry, throwing a wrench into the GOP's biggest defense

A top White House official is about to blow a hole through Trump's main defense about the Ukraine call

October 24:

It looks like the Trump administration's pressure campaign against Ukraine may have gone further than freezing military aid

Intelligence veterans say Republicans storming a secure congressional facility was a 'thuggish' and 'offensive' stunt that risked national security

October 23:

House Republicans stormed a closed-door impeachment hearing and refused to leave — and Trump approved of it

Ukraine just threw a huge wrench into Trump's key defense denying a quid pro quo

October 22:

Trump's Ukraine envoy gave 'damning' testimony to Congress that prompted 'sighs and gasps' from people in the room

Putin and Hungary reportedly 'poisoned' Trump's view on Ukraine and reinforced his belief that the country was 'hopelessly corrupt'

October 19:

8 Trump officials made stunning revelations about how the president and Giuliani weaponized the State Department

October 17:

Mick Mulvaney publicly confirms Trump held up Ukraine aid for political gain

Gordon Sondland, a central figure in the Ukraine scandal, threw Trump and Giuliani under the bus in his opening statement to Congress

October 15:

Trump's White House counsel Pat Cipollone is the first line of defense when it comes to batting back House Democrats' impeachment inquiry

The floodgates are opening as Trump officials publicly defy his orders and more whistleblowers come out of the shadows

October 14:

FBI officials were 'rattled' and 'blindsided' by Trump's call for Ukraine to manufacture dirt on Joe Biden

Prosecutors are scouring Rudy Giuliani's bank records and business dealings in Ukraine as part of a widening criminal investigation

October 11:

Federal prosecutors are investigating whether Rudy Giuliani violated foreign lobbying laws in Ukraine

Ex-Ukraine envoy says she was fired on 'unfounded' and 'false' grounds after standing up to Trump and Giuliani

A federal court ordered Trump's accounting firm to turn over 8 years of his taxes to Congress

October 10:

2 of Rudy Giuliani's associates who prosecutors say helped him dig up dirt on Joe Biden have been charged with campaign finance violations

A White House adviser is flip-flopping on whether China gave him information on Joe Biden's son after Trump asked Beijing to investigate the Bidens

October 8:

White House says Trump 'cannot permit his administration' to cooperate with the 'partisan and unconstitutional' impeachment inquiry

A White House official who listened in on Trump's Ukraine call described it as 'crazy' and 'frightening'

The State Department blocked Ambassador Gordon Sondland from testifying to Congress about the Ukraine scandal

October 5:

Trump is reportedly blaming Rick Perry for his infamous call with the Ukrainian president

House Democrats subpoena the White House and Mike Pence as part of impeachment inquiry

October 4:

A 2nd intelligence official is considering filing a whistleblower complaint about Trump and Ukraine

Trump brought up Joe Biden during a June phone call with Chinese President Xi Jinping

Trump reportedly personally ordered the removal of ambassador to Ukraine after people said she was impeding Biden investigations

Newly revealed text messages show Trump diplomats' internal turmoil over his pressure on Ukraine

October 3:

Trump's conspiracies are reaching a fever pitch amid revelations that the whistleblower went to Congress before filing their complaint

There's a 2nd whistleblower complaint no one's talking about, and it could be as damaging to Trump as the Ukraine scandal

Trump's top diplomat in Ukraine said in a text message that it was 'crazy' to withhold aid in exchange 'for help with a political campaign'

2 top Trump deputies drafted a statement for Ukraine's president committing him to pursuing political investigations for Trump

October 2:

The Trump whistleblower told the House Intelligence Committee about their concerns before filing an official complaint

The State Department's watchdog will tell Congress about efforts to intimidate officials from cooperating with the Trump impeachment inquiry

Mike Pompeo made at least 4 significantly misleading statements about his role in the Trump-Ukraine phone call

Trump used Mike Pence to tell Ukraine the US would withhold military aid while demanding that it investigate corruption

Pompeo confirms he was on Trump's Ukraine call after previously dodging questions about it

October 1:

Trump's false theory that whistleblower requirements changed just before the complaint over his Ukraine call got shut down by the intelligence watchdog

The White House is 'paralyzed' and 'teetering on the edge of a cliff' as it grapples with Ukraine fallout and 'Hurricane Rudy'

'Pure insanity': Intelligence veterans are floored by Barr's 'off the books' overtures to foreign officials about the Russia probe

September 30:

Mike Pompeo reportedly took part in Trump's July 25 phone call with Ukraine's president

Trump pressed Australia's prime minister to help Attorney General Barr investigate the origins of the Russia probe

Former Ukrainian prosecutor says Giuliani repeatedly pushed him to investigate the Bidens

September 27:

A top State Department official at the center of the Ukraine whistleblower complaint just resigned

Justice Department veterans say Trump could be accused of breaking 4 laws in the Ukraine whistleblower scandal

Rudy Giuliani claims that he's 'the real whistleblower' and that no one will know the real story on Trump and Ukraine 'if I get killed'

'Lawyer up': DOJ veterans have one piece of advice for Trump and Giuliani amid the Ukraine whistleblower scandal

September 26:

Read the full declassified whistleblower complaint about a phone call between Trump and Ukraine's president

Here are the biggest moments from acting DNI Joseph Maguire's testimony to Congress about an explosive whistleblower complaint against Trump

Whistleblower says White House officials were 'deeply disturbed' by Trump's call with Ukraine's president and worried they 'had witnessed the president abuse his office for personal gain'

Acting DNI Joseph Maguire undermined the GOP's entire argument against the whistleblower in one sentence

The White House has a complete transcript of Ukraine call but hid it in a possible abuse of power, whistleblower complaint says

Trump suggested the whistleblower who filed a complaint against him is guilty of treason, which is punishable by death

The whistleblower who filed an explosive complaint against Trump is reportedly a CIA officer once assigned to the White House

The US's top intelligence watchdog found Trump's conduct so alarming it could expose him to blackmail

September 25:

The Trump whistleblower raised concerns that the White House handled records of the call with Ukraine's president in an 'unusual' way

Trump mentioned a wild conspiracy theory about the DNC and the Russia probe in his phone call with Ukraine's president

Ukrainian officials say Trump would only talk to Zelensky 'if they would discuss the Biden case' in their July phone call

Nancy Pelosi brought a combative attitude to a phone call with Trump before launching an impeachment inquiry

The notes on Trump's call with Ukraine's president hint at a quid pro quo over investigating Joe Biden's son

The US's top spy agency referred the Trump whistleblower complaint to the DOJ for criminal investigation. The DOJ decided not to investigate.

September 24:

Trump aides were so afraid he'd pressure Ukraine to investigate Biden that they tried to derail his call with the Ukrainian president

Trump tried to negotiate with Pelosi on the whistleblower complaint after she announced an impeachment inquiry. Pelosi told him to take a hike.

House Speaker Nancy Pelosi just announced the House will launch a formal impeachment inquiry against Trump amid whistleblower scandal

Trump confirms he withheld military aid from Ukraine before pressing Zelensky to probe Biden

September 23:

Trump reportedly slammed the brakes on a $400 million military-aid package to Ukraine days before he asked its president to investigate Joe Biden

September 19:

'DEFCON 1': US officials are rocked by a whistleblower complaint involving Trump's talks with a foreign leader

September 18:

The US's top spy agency just dropped a big hint that an 'urgent' whistleblower complaint involves Trump or someone close to him

A major whistleblower complaint at the US's top spy agency involves a Trump phone call with a 'promise' to a foreign leader

September 14:

The acting director of national intelligence is withholding a mysterious whistleblower complaint of 'urgent concern' that may involve Trump




Travel & Leisure just released its list of the 50 best places to travel in 2020. Here's a look at the 7 US destinations that made the list.

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Travel & Leisure has released its list of 50 Best Places to Travel in 2020.

The list, which is compiled by Travel + Leisure editors as well as travel writers, advisors, and other experts, includes places that are "at the forefront of the global conversation" as well as "perennial favorites that are reinventing themselves in exciting ways," according to a press release.

In Asia, places like Rajasthan, India, and Singapore made the list, while the South and Central America section includes destinations such as Costa Rica and the Chilean Lakes District.

In the US, only seven destinations made the list, including Asheville, North Carolina and the Great Lakes. Here are the seven best places to travel in the US in 2020, according to Travel & Leisure.

SEE ALSO: A luxury travel company exec says Japan, Slovenia, and Antarctica will be the hottest travel destinations of 2020

DON'T MISS: While you were still using Airbnb to spend a weekend in a stranger's home, the company was quietly expanding into boutique hotels and entire Airbnb-branded buildings

Asheville, North Carolina

Asheville has a "small-town feel and big-city cultural cred" thanks to its population of artists, musicians, and food and drink entrepreneurs, according to Travel & Leisure senior editor Lila Harron Battis.

Travel & Leisure isn't the only travel publication to take notice of Asheville recently. Lonely Planet named the North Carolina city, which is nestled in the Blue Ridge Mountains, the number one destination of 2017.



Big Island, Hawaii

On Hawaii's Big Island, 2020 will see the opening of the Mauna Lani by Auberge Resorts, a luxury resort that's been undergoing a $200 million renovation, according to Travel & Leisure editor John Wogan.

"Elsewhere, a new wave of artisans is taking hold, like Kona's Big Island Distillers, which sources ingredients for its spirits — like honey, sweet potatoes, and coffee — directly from the island," Wogan writes.



Boston, Massachusetts

A slew of hotel openings is making Boston "the country's next great hotel city," Andrew Sessa wrote for Travel & Leisure.

"Beyond hotels, there's the new permanent installation of one of Yayoi Kusama's kaleidoscopic Mirror Infinity Rooms at the Institute of Contemporary Art/Boston, and the recent opening of a Time Out Market, bringing together 15 of the city's best eateries," Sessa writes. "Five more food halls will launch in the next year, giving you the makings of one very satisfying getaway."



California's Central Coast

"Travelers are finally catching on to what locals have known long all along: the Central Coast of California offers quiet beauty, agricultural bounty, and some of the best wines in the state," Tanvi Chheda writes for Travel & Leisure.

Places like Cayucos, "the last of the California beach towns," and Pismo Beach, "where monarchs flock to eucalyptus groves every winter, still feel refreshingly low-key," Chheda writes.



Maine

Hoteliers and chefs are "ushering in a new, sophisticated era" in Maine, from glamping retreats to locally sourced fine dining establishments, Travel & Leisure assistant editor Madeline Bilis writes.

In 2018, Insider named Portland, Maine one of the most underrated US travel destinations.

"It's a perfectly manageable city to explore if you want to get a taste of New England charm," Sophie-Claire Hoeller and Madeline Diamond wrote.



Oklahoma City, Oklahoma

"Oklahoma City is officially hitting its stride as an arts and culture destination," Madeline Bilis wrote for Travel & Leisure.

In 2020, Oklahoma City's downtown will be revitalized by the opening of the Oklahoma Contemporary Arts Center satellite, an expansive campus with galleries, performance spaces, classrooms, studios, and a café, according to Bilis.



The Great Lakes

According to Emma Balter, the Great Lakes region is "the next hot cruise destination."

"The five lakes collectively offer 11,000 miles of attraction-packed shoreline, and new small ship cruises are making it easier to explore," Balter wrote.

Highlights of the area include Michigan's Mackinac Island, which opened two new hotels in 2019, and cities like Cleveland and Milwaukee, according to Balter.

In October, Airbnb named Milwaukee the world's best up-and-coming destination to visit in 2020.



21 of the most expensive celebrity memorabilia items sold at auction

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  • Fans of the world's biggest celebrity names will drop thousands — or even millions — to get their hands on prized memorabilia. 
  • From Scarlett Johansson's used tissue to a lock of Elvis Presley's hair, these celebrity items sold for eye-watering sums.
  • Marilyn Monroe's "Happy Birthday, Mr. President" dress sold for more than $1.2 million, while James Bond's Aston Martin DB5 went for $6.4 million.
  • Visit Business Insider's homepage for more stories.

Would you spend more than $10,000 for one of your favorite celebrity's fake nails or $5,000 for a used tissue?

From the iconic ruby red slippers worn by Judy Garland in "The Wizard of Oz" to One Direction singer Niall Horan's half-eaten toast, prized celebrity memorabilia has cost mega fans and private collectors boggling amounts of cash.

Here are 21 celebrity memorabilia items that have sold for astounding amounts of money.

SEE ALSO: 35 things from the '90s that are worth a fortune today

Darth Vader’s helmet worn by actor David Prowse in "Star Wars Episode V: The Empire Strikes Back" sold to an anonymous bidder for $898,420.

It was estimated to tap out at $400,000 at an auction in September 2019 — but the final bid was more than double.

Source: Complex



A General Lee 1969 Charger from "The Dukes of Hazzard," owned by actor John Schneider, sold for a whopping $9,900,500 on eBay in 2007.

The car was used in both the TV series and in the 2000 TV movie "The Dukes of Hazzard: Hazzard in Hollywood."

The design of the car's roof — a giant Confederate flag — became a source of controversy in 2015. TV Land ended up pulling scheduled reruns of the show.

Source: CNN



Called "the holy grail of movie memorabilia," Judy Garland's ruby red slippers from "The Wizard of Oz" were reportedly listed at $6 million by auction site Moments in Time.

Several other pairs of the famous slippers also exist, including one pair that was stolen in 2005 and recovered by the FBI in 2018. 

Source: Business Insider, FBI



Audrey Hepburn's personal working script from "Breakfast at Tiffany's" sold for $811,615 at an auction of her personal items in 2018.

Other items at the auction included a tan Burberry trench coat, a black Givenchy cocktail dress, and a working script for "My Fair Lady."

Source: Christie's



The skin-tight black pants that Olivia Newton-John wore as Sandy in "Grease" were sold to Spanx founder Sara Blakely for $162,000.

"I have been the biggest fan of Olivia since I was a little girl, since 'Grease' came out, and my friend called me two days before the auction. I didn't know it was happening … and I thought, 'Oh my God. I've got to try to get these,'" Blakely said on "CBS This Morning." 

Blakely says she plans to frame the iconic pants for display at the Spanx headquarters in Atlanta, Georgia. She also bought a Pink Ladies jacket in the auction. A portion of the auction's proceeds will go towards the Olivia Newton-John Cancer Wellness & Research Centre in Australia.

Source: CBS News



The tennis racket Serena Williams smashed during her 2018 US Open final defeat to Naomi Osaka sold at auction for $20,910.

The Wilson Blade, which the athlete broke during an argument with the umpire, went up for sale on Goldin Auctions from an anonymous seller, and it was expected to fetch "$25,000 or $50,000,"according to Ken Goldin, the founder of the firm.

It ultimately fell just short of the estimation, and an unnamed buyer snagged it with a final bid of $20,910 on December 7, 2019.



Marilyn Monroe’s "Happy Birthday, Mr. President" dress, which was covered in 2,500 rhinestones, sold for $1,267,500 at a Christie's auction in 1999.

The gown was said to be so tight-fitting, Monroe had to be sewn into it on the day of JFK's birthday party.

Source: Today



A silver dog bowl owned by Joan Rivers went for $13,750 at a Christie's auction.

The silver dog bowl from Tiffany and Co. is engraved with the name "Spike," Joan Rivers' beloved and most famous pet Yorkshire terrier. 

Source: Christie's



A 1927 "Metropolis" movie poster, one of only four known to exist, was purchased by a private collector for $690,000 in 2005.

Ralph DeLuca, who owns New Jersey-based film memorabilia company Movie Archives Inc, beat three other bidders to win the extremely rare piece of film history.

Source: Reuters



An iconic dress that Kate Winslet wore in "Titanic" sold for a whopping $330,000 in 2012.

The dress was worn during the scene in which Kate Winslet's character, Rose, meets Leonardo DiCaprio's character, Jack, for the first time.

Source: Paul Fraser Collectibles



In 2006, Andy Warhol's signature silver wig sold for $10,800 during his estate's first auction since his 1987 death.

Warhol was a leading pop art figure. "He was a generous man and always gave us little gifts. But they've been lying around in the attic ever since and we decided now was the time to sell them," Jeffrey Warhol, one of the artist's nephews, said after the auction was announced.

Source: Telegraph



A fully restored version of James Bond's Aston Martin DB5, which appeared in the "Goldfinger" film, was sold at an RM Sotheby's auction for an impressive $6.4 million.

It is one of only three "Bond-modified" DB5 vehicles in existence. "No other car in history has played a more important leading role on film and in pop culture than the Aston Martin DB5," Barney Ruprecht, a car specialist at RM Sotheby's, said in a press release ahead of the sale.

Source: CNN



In 2009, Michael Jackson's famous white glove, covered in glittering crystals, sold for $350,000 to Hong Kong businessman Hoffman Ma.

According to Reuters, the glove was worn by Jackson when he famously moonwalked across the stage for the first time at the 1983 Motown 25 television special. The glove has become a trademark of the star's incredible career, almost synonymous with the man himself.

It was sold at a memorabilia auction held by Julien's Auctions.

Source: Reuters



Elizabeth Taylor's jewelry collection sold for a record-breaking $116 million in 2011.

The iconic actress' "La Peregrina" natural pearl, diamond, ruby, and cultured pearl necklace sold for $11.8 million, including fees.

At the time, it was the most expensive pearl ever sold at auction. This record was recently surpassed with an auction of one of Marie Antoinette's pearls, which sold for a whopping $36 million

Source: Business Insider



A lock of Elvis' hair, which was believed to have been trimmed from his head in 1958, sold for $15,000 in 2009, plus an additional $3,300 in auction house fees.

A shirt that once belonged to Presley also sold for a whopping $52,000.

Source: Today



A "Batman Returns" costume worn by Michael Keaton sold for $41,250 at auction in 2017.

A "Superman" costume from the 1978 original movie also went to the auction block but failed to get a minimum $40,000 bid.

Source: Entertainment Weekly



A bullwhip used by Harrison Ford in "Indiana Jones" sold for $35,460, not including fees.

Estimated only to fetch a mere $5,000, the whip was originally donated by Harrison Ford to the Institute of Archaeology in London to help build a new Centre for Conservation and Museum Science at University College, London University.

Source: Christie's



Scarlett Johansson's used tissue was reportedly sold on eBay for $2,050 after the star said she'd caught a cold from costar Samuel L. Jackson.

Johansson announced she would sell the tissue while appearing on "The Tonight Show With Jay Leno" in 2008 and then give the proceeds to charity.

Source: Today



Lady Gaga's acrylic nail was auctioned off for $12,000 after a crew member on "The Born This Way Ball" tour found it backstage.

The auction included not only the nail, but also a letter of provenance from the crewmember, two photographs of Gaga with and without the nail, an Aviva Stadium staff handbook, an event crew wristband, and a Lady Gaga "The Born This Way Ball" grey crew t-shirt.

Source: Business Insider



A chair that J.K. Rowling sat in while writing the first two "Harry Potter" books fetched $394,000 at an auction in 2016.

Sold to a private collector, the 1930s-era chair had previously sold for $29,000.

Source: AP



Perhaps one of the more ridiculous celebrity memorabilia sales, Niall Horan's half-eaten toast was reportedly sold for an astounding $100,000.

After appearing on the Australian morning program "Sunrise," Horan failed to finish his Vegemite-covered toast, and it wasn't long before the snack ended up on eBay.

Source: MTV



This cool website lets you design custom map posters and T-shirts of anywhere in the world — and the results are undeniably cool

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  • Grafomap is a website that lets you design custom map posters and T-shirts of any place in the world.
  • We made posters and a T-shirt of our favorite vacation spots, and the finished products are undeniably cool. The design process was super straightforward ... and a lot of fun.
  • Custom map posters start at just $49 without a frame, while framed ones ($104) and posters printed on canvas ($99) and metal ($119) cost more. The T-shirt prints cost just $35.
  • Right now, Grafomaps is offering discount codes for its maps so you can save 20% on any order (20OFF) or get three maps for the price of two (DEAL).
  • If you're shopping for holiday gifts, you can check out all our holiday gift guides on Insider Picks.
  • Attention holiday shoppers: If you want to receive your Grafomap in a specific time frame or by a specific date, the company suggests you choose priority shipping at checkout.

I lived in my current apartment for six months before I found wall art my partner and I both liked enough to hang in it.

We're picky about what we should hang on our walls. Neither of us wants to decorate our space with Van Gogh reproductions and movie posters. Like a lot of people, we want to decorate it with wall art and photos that mean something to us.

A few years ago, I stumbled across an answer to our problem in the form of a website called Grafomap that lets you design map posters of any place in the world.

You can make one of your hometown, your college town, your favorite travel destination, or the place where you got engaged or married — you're only limited by your imagination.

Once you enter your desired location, Grafomap takes you to its poster editor where you can further customize your location down the exact address or coordinates. After that, you can continue personalizing your map by adjusting, panning, and zooming the map exactly to your liking, adding or removing text, and selecting the finish (paper, framed, or canvas), orientation, and size. Additionally, Grafomap has 11 unique color themes to choose from (including Noir, Bourbon, Minimal, and Modern) that transform your map from just an ordinary map into a work of art you'll love displaying in your home or wearing in T-shirt form.

My custom map poster of Sint Maarten took all of five minutes to create, and the finished product is undeniably cool. It's also very affordable. An 18x24-inch print sets you back $49. If you want to get something that's ready to hang right out of the box it's shipped in, you can get an 18x24-inch framed print for $104, a print on canvas for $99, a print on metal for $119, or one with a hanger for $69. The T-shirts are the most affordable at $35 each. (Full disclosure: I got to try the service for free.)

Right now, Grafomaps is offering discount codes for its maps so you can save 20% on any order (20OFF), get three maps for the price of two (DEAL), or get two paper maps for the price of one (TWOFORONE).

Grafomaps also has a partnership with One Tree Planted to plant one tree for every map sold.

Learn more about how Grafomap's custom poster editor works below. And try it out for yourself here.

Start by selecting a location for your map poster. I chose Sint Maarten since my partner and I have been vacationing there together for years.



Once you enter your desired location, Grafomap takes you to its poster editor where you can continue personalizing your map by adjusting, panning, and zooming the map to your liking, adding or removing text, and selecting the size, frame, and orientation.



I most enjoyed toggling between color themes. My favorites were Wheatpaste, Modern, and Carbon.



I ultimately went with Modern since I liked its colors and font best.



Here's a picture of the final product:



Here's a look at my colleague Malarie Gokey's map of Stockholm. She chose Wheatpaste as her color theme.



You can also choose to print your map on metal, a canvas, or a T-shirt.

Malarie also tried Grafomaps' T-shirt and Canvas options. The canvas map turned out beautifully and made an excellent birthday gift for her mom. The T-shirt print was well done and looked great, though the cotton wasn't the softest. We'll keep you posted on how it fares after a few runs through the wash.



As the holidays come creeping up, keep Grafomap in mind for a fun and memorable gift for family and friends.

Create your own custom map power at Grafomap here.



Looking for more gift ideas? We've got you covered.



Sony just gave us a detailed look at what's coming to the PlayStation 4 in early 2020 (SNY)

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  • Sony showcased some of the PlayStation 4's upcoming titles during a 20-minute State of Play presentation on December 10.
  • The presentation included the world premiere of "Resident Evil 3," along with gameplay trailers for some of 2020's most anticipated games.
  • While Sony didn't share any new details on "The Last of Us: Part II" or the PlayStation 5, there's still plenty to look forward to in early 2020.
  • Visit Business Insider's homepage for more stories.

Sony's  next generation PlayStation 5 console won't be here until the 2020 holiday season, but there's still a whole year's worth of PlayStation 4 games to keep gamers occupied in the meantime.

During Sony's final State of Play presentation of 2019, the company shared new details on new games coming in early 2020, including the first look at Capcom's "Resident Evil 3" remake, and gameplay footage from "Predator: Hunting Grounds," an upcoming game based on the science fiction movie franchise.

Perhaps the most anticipated PlayStation 4 exclusive, "The Last of Us: Part II," was not featured in the presentation. The game was recently delayed from its planned February release and is now set to launch in May. Sony also declined to offer updates on the PlayStation 5.

The 20-minute State of Play presentation was chock full of information, but we've boiled it down to the most important updates below:

SEE ALSO: Viking Sony's smash-hit baseball game is headed to Xbox and Nintendo Switch after more than 2 decades as a PlayStation exclusive

'Untitled Goose Game,' an indie hit that delighted fans on the Nintendo Switch earlier this year, is coming to PlayStation 4 on December 17.



"Spellbreak" is a third person battle royale game that lets players fight with magic spells. It's coming to both PlayStation 4 and PC in early 2020.



"Dreams" gives players the tools to design their own video games, but it's been in a testing phase for months. Sony is giving it an official launch on February 14, 2020.



"Superliminal" is a first-person puzzle game coming to the PlayStation 4 in April. The game will toy with the player's perspective and create mind-bending visuals.



"Paper Beast" is a surreal virtual reality game designed for the PSVR, allowing players to explore a fantastical planet and interact with alien creatures.



'Kingdom Hearts 3" was one of the most anticipated games of 2019, and it's getting a major update in early 2020. The Re:Mind DLC update will add more story content to the game and new bosses.



Predator Hunting Grounds" is a multiplayer game pitting four regular players against one controlling a hi-tech alien hunter.



Sony showed an action-packed trailer for "Babylon's Fall," an upcoming adventure game from the creators of "Bayonetta."



Sony revealed "Resident Evil 3," a remake of the classic 1999 horror game. "Resident Evil 3" will also include a multiplayer mode called "Project Resistance."



Sony ended the presentation with a short trailer for 'Ghost of Tsushima" an upcoming samurai action game. The game doesn't have a release date yet, and Sony has yet to show off any gameplay. A follow-up trailer is expected to appear at The Game Awards on December 12.



You can watch Sony's full State of Play presentation below:

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The 31 best tech companies to work for in 2020, according to employees

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  • Glassdoor's annual list of the best places to work in 2020 included 31 tech companies, ranging from industry giants like Google, Microsoft, and Salesforce to lesser-known names in the health tech and real estate industries.
  • Several Silicon Valley tech giants, like Facebook and Apple, dropped a few places on Glassdoor's list compared to last year.
  • The sales and marketing software provider HubSpot took the number-one spot.
  • Visit Business Insider's homepage for more stories. 

Tech companies are known for offering lavish perks, like free food, onsite gyms and doctors, and long periods of time off for parental leave. So it may come as no surprise that tech companies accounted for a significant portion of Glassdoor's annual list of the 100 best places to work in the year ahead.

Tech industry giants like Google, Facebook, and Microsoft, and Apple made the list, but some of these companies dropped in placement compared to last year. Facebook, for example, fell by 16 spots to number 23 on Glassdoor's list, while Google dropped three spots to number 11 and Apple slipped down 13 spots to 84. Microsoft, comparatively, jumped up to take 21st place, an improvement from the 34th-place slot it occupied last year.

Here's a look at all the tech companies that made Glassdoor's list, which is based on employee feedback regarding their job, work environment, and employer over the last year.  

SEE ALSO: Microsoft experimented with a 4-day workweek, and productivity jumped by 40%

31. Intel Corporation

Overall ranking: 100

Company rating: 4.3

What it does: Processor manufacturer

What employees say: "Great coworkers, great leaders, amazing benefits. BEST SCHEDULE. Probably the best job I've had so far. Can't wait to learn more and grow."— Intel Corporation Manufacturing Technician (Rio Rancho, NM)

 



30. Epic Systems

Overall ranking: 96

Company rating: 4.3

What it does: Health IT company that makes software used by doctors and patients

What employees say: "Epic cares. You see it everywhere you go and in everything you do. I feel like I have a say in any decision that affects me."— Epic Software Developer (Madison, WI)

 



29. Apple

Overall ranking: 84

Company rating: 4.3

What it does: Consumer technology company behind the iPhone, Mac computers, Apple Watch, and many other products

What employees say: "There is growth available in every position and go-getters will find themselves flush with opportunity. If you have the drive to succeed, you will."— Apple Software QA Manager (Cupertino, CA)

 



28. Cisco Systems

Overall ranking: 77

Company rating: 4.3

What it does: Makes software and hardware for IT networking

What employees say: "Cisco invests a ton in you, they have tons of study resources, months of training, great benefits, holidays off, 20 days PTO per year, and 5 Volunteer days off."— Cisco Systems Associate Systems Engineer (Research Triangle Park, NC)

 



27. UST Global

Overall ranking: 76

Company rating: 4.3

What it does: IT consulting services provider

What employees say: "Good work culture, UST Global provides a decent pay, good leave benefits, good health insurance, 401 contribution."— UST Global Project Manager (Thousand Oaks, CA)

 



26. Noom

Overall ranking: 75

Company rating: 4.3

What it does: Digital health and wellness programs

What employees say: "Noom is truly unique! I've been in the workforce for 35 years and this company truly cares about their employees & offers so much support and honesty."— Noom Virtual Health Coach (Phoenix, AZ)

 



25. Intuit

Overall ranking: 70

Company rating: 4.3

What it does: Personal finance software including TurboTax and QuickBooks

What employees say: "The culture is laid back, the cafe has amazing food, and you have the opportunity to make really good money helping small businesses achieve success!"— Intuit Senior Business Consultant (Fredericksburg, VA)

 



24. Slack

Overall ranking: 69

Company rating: 4.3

What it does: Workplace communication software

What employees say: "The leadership gets a lot of things right, the benefits are amazing, and work life balance is much better than a lot of other places I've been."— Slack Senior Software Engineer (Denver, CO)

 



23. Dell Technologies

Overall ranking: 67

Company rating: 4.3

What it does: Makes computers, laptops, gaming PCs, networking devices, and other products

What employees say: "Diverse and inclusive workplaces with management that values and responds to the feedback of their employees."— Dell Technologies Program Manager (Draper, UT)

 



22. Paycom

Overall ranking: 65

Company rating: 4.3

What it does: Human resources software maker

What employees say: "There is plenty of room to grow in the company, and Paycom is always thinking of better ways to serve their employees."— Paycom Tax Credit Team Lead (Oklahoma City, OK)

 



21. Nextiva

Overall ranking: 64

Company rating: 4.3

What it does: Provider of cloud-based business communication tools

What employees say: "Infectious company culture where you feel valued and appreciated for your work (and that starts at the top)."— Nextiva Director (Scottsdale, AZ)

 



20. JDA Software

Overall ranking: 57

Company rating: 4.3

What it does: Supply chain management software manufacturer

What employees say: "Free covered garage parking, fitness center, game room, perks at work and best of all flex time off."— JDA Software Collections Specialist (Scottsdale, AZ)

 



19. Yardi Systems

Overall ranking: 53

Company rating: 4.3

What it does: Software and services for real estate management

What employees say: "This company truly cares about their employees, everything from great benefits and perks to encouraging a wonderful work/life/fun balance."— Yardi Systems Technical Account Manager (Dallas, TX)

 



18. CDW

Overall ranking: 51

Company rating: 4.3

What it does: IT consulting services

What employees say: "Working with CDW has provided many opportunities to expand my knowledge and skill set while working with phenomenal coworkers."— CDW Deputy Program Manager (Chicago, IL)

 



17. SAP

Overall ranking: 48

Company rating: 4.3

What it does: Enterprise application software

What employees say: "Incredibly well organized, great communication, good pay, and very professional colleagues."— SAP Senior Solutions Consultant (San Francisco, CA

 



16. AppFolio

Overall ranking: 45

Company rating: 4.4

What it does: Cloud-based software for business management

What employees say:"Great work-life balance, friendly management, fantastic training, dog-friendly, fun culture."— AppFolio Website Production Specialist (Santa Barbara, CA)

 



15. Adobe

Overall ranking: 39

Company rating: 4.4

What it does: Software company known for its creative digital tools, including Photoshop and Illustrator

What employees say: "The workplace is nice - gym is top-notch, cafeteria is great, and other amenities which makes it an enjoyable work environment."— Adobe Network Engineer (Lehi, UT)

 



14. VMWare

Overall ranking: 36

Company rating: 4.4

What it does: Virtualization software provider

What employees say: "Work/Life balance is good, and people are smart and supportive."— VMware Senior Manager(Palo Alto, CA)

 



13. Kronos Incorporated

Overall ranking: 35

Company rating: 4.4

What it does: Provider of cloud-based human resources and workforce management solutions

What employees say: "Amazing organization and overall management structure with great benefits and an incredible work life balance."— Kronos Incorporated Senior Real Estate Manager (Lowell, MA)

 



12. Salesforce

Overall ranking: 34

Company rating: 4.4

What it does: Cloud software company specializing in customer relationship management

What employees say: "The people are great, the culture is amazing and the work spaces have everything you could ever need!"— Salesforce Field Marketing Senior Specialist (New York, NY)

 



11. SurveyMonkey

Overall ranking: 33

Company rating: 4.4

What it does: Provider of tools for making online surveys

What employees say: "Employees are truly empowered, respected, and supported. Lots of opportunity to learn from smart, engaged people."— SurveyMonkey Product Management (San Mateo, CA)

 



10. Compass

Overall ranking: 32

Company rating: 4.4

What it does: Real estate technology platform for helping agents work with clients

What employees say: "You are encouraged to participate and share your opinions and experience to help continue to make Compass the pinnacle of the industry."— Compass Senior Manager (New York, NY)

 



9. Facebook

Overall ranking: 23

Company rating: 4.4

What it does: Social media giant behind Messenger, Instagram, and WhatsApp, as well as its core app

What employees say: "No day is ever alike and I get to tackle challenging problems surrounded by the best and brightest minds."— Facebook Global Brand Partnerships (San Francisco, CA)

 



8. Microsoft

Overall ranking: 21

Company rating: 4.4

What it does: Technology company behind Windows, Office, the Azure cloud, and many other products

What employees say: "I love the culture and the people here. We are always learning and have a can-do attitude."— Microsoft Inside Sales (Fargo, ND)

 



7. Nvidia

Overall ranking: 20

Company rating: 4.4

What it does: Graphics processor company that has recently expanded into autonomous vehicles and other AI-related industries

What employees say: "Amazing culture, great work-life-balance and a strong drive to succeed in every area makes NVIDIA one of the best places I've ever worked."— NVIDIA Senior Systems Software Engineer (Santa Clara, CA)

 



6. MathWorks

Overall ranking: 16

Company rating: 4.5

What it does: Developer of mathematical computing software

What employees say: "They care about training and ensure that everyone is treated well with amazing little benefits from fruit in the morning to free Wednesday breakfast."— MathWorks Social Media Manager(Natick, MA)

 



5. LinkedIn

Overall ranking: 12

Company rating: 4.5

What it does: Professional social network owned by Microsoft

What employees say: "Super invested in employee development, great work/life balance, great benefits for working mothers and maternity/paternity leave."— LinkedIn Workplace Manager (New York, NY)

 



4. Google

Overall ranking: 11

Company rating: 4.5

What it does: Maker of the Google search engine, the Android operating system, Gmail, and many other products

What employees say: "Work/life balance, benefits, compensation, autonomy and the quality of your co-workers are unmatched."— Google Program Manager (Mountain View, CA)

 



3. Ultimate Software

Overall ranking: 8

Company rating: 4.5

What it does: Human resources software provider

What employees say:"The unlimited PTO, amazing benefits, and feeling like part of a big family are my favorite parts about Ultimate."— Ultimate Software Social Media Business Analyst (Weston, FL)

 



2. DocuSign

Overall ranking: 3

Company rating: 4.6

What it does: Maker of e-signature software

What employees say:"They treat their employees fairly, are dedicated to the success of their employees, have great work life balance, and very responsive management."— DocuSign Sales (Seattle, WA)

 



1. HubSpot

Overall ranking: 1

Company rating: 4.6

What it does: Marketing, sales,and service software provider

What employees say: "HubSpot culture is unlike any other I have experienced. Your coworkers are genuinely invested in your success and will extend themselves to ensure you have access to the resources you need."— HubSpot Inbound Success Coach (Cambridge, MA)

 



Disney Plus was the most Googled term in America this year, beating out 'Game of Thrones' and the iPhone 11 (GOOG, GOOGL, DIS, AAPL)

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  • Google released data Wednesday revealing its most popular search terms for the year.
  • "Disney Plus" was the most searched term in the United States in 2019.
  • Several celebrity deaths also made the list, including the musician Nipsey Hussle and actors Cameron Boyce and Luke Perry.
  • Visit Business Insider's homepage for more stories. 

Every year, Google puts out data highlighting what the internet went looking for.

On Wednesday, the company announced the results for 2019, which include a range of topics such as new product launches, celebrity deaths, and major news events.

Read on to discover the 10 terms Americans searched for most on Google this year.

1. Disney Plus

Disney launched its streaming-video service in November, attracting more than 10 million subscribers on its first day. The service includes titles from a range of Disney brands like Pixar, Marvel, and National Geographic.



2. Cameron Boyce

In July, the Disney Channel star Cameron Boyce died at the age of 20 after an epileptic seizure. Boyce was known for his roles in Disney Channel programming like the "Descendants" movie series and the TV show "Jessie."



3. Nipsey Hussle

The Los Angeles rapper Nipsey Hussle, whose real name was Ermias Asghedom, was fatally shot outside his clothing store in March. Hussle, who was 33, had quickly amassed fans both for his music and investment in the local community.



4. Hurricane Dorian

Hurricane Dorian, which at one point was classified as a Category 5 storm, devastated the Bahamas and threatened the US coastline. President Donald Trump incorrectly said the storm was forecast to hit Alabama.



5. Antonio Brown

The NFL athlete Antonio Brown faced sexual-assault allegations from a former trainer, Brittany Taylor, who brought a lawsuit against him in September. The lawsuit capped off a bizarre year for Brown, who publicly asked to be released from the Oakland Raiders before going to the New England Patriots.



6. Luke Perry

In March, the actor Luke Perry died of a stroke at age 52. Perry was best known for his roles in "Riverdale" and "Beverly Hills 90210," but he starred in numerous shows and movies as early as the 1980s.



7. Avengers Endgame

Marvel's "Avengers: Endgame" hit the box office in late April, ultimately passing James Cameron's "Avatar" as the highest-grossing movie of all time — with a catch. After adjusting for inflation, the record is still held by 1939's "Gone With The Wind."



8. Game of Thrones

HBO's hit series "Game of Thrones" has become a cultural icon in the past several years. In 2019, the show finished its eighth and final season, which divided many of its fans



9. iPhone 11

In September, Appleunveiled its newest phones: the iPhone 11, the iPhone 11 Pro, and the iPhone 11 Pro Max. The new phones showed just how much the iPhone has evolved since 2007.



10. Jussie Smollett

The "Empire" actor Jussie Smollett became a cultural flashpoint after he told the Chicago police two white men had committed a hate crime against him. The Chicago Police Department charged Smollett with filing a false police report, alleging he staged the incident. Ultimately, the case was dropped, with Smollett agreeing to forfeit the $10,000 he had posted for bail.



IHOP is opening a new fast-casual chain with pancake bowls and digital kiosks — here's what it will be like to visit

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IHOP is launching a new fast-casual chain called Flip'd this spring, serving up "pancake bowls" to time-crunched customers in cities. 

On Wednesday, the pancake chain announced plans to open the first Flip'd by IHOP this April in Atlanta, Georgia. IHOP is currently exploring opening more locations in other cities in 2020, including New York City; Washington, DC; and San Francisco.

According to IHOP's president Jay Johns, IHOP has been developing the fast-casual concept for roughly a year, as the chain has been working to better expand into cities. 

"A lot of people in their morning routine go to a coffee place and frankly have to settle for potentially a substandard breakfast experience, because you're just buying what's available at the coffee shop," Johns told Business Insider. 

IHOP developed a new menu for the Flip'd chain that mixes classics with new menu items. Among the new options are breakfast burritos, sandwiches, and pancake bowls, which allow customers to add sweet and savory toppings to made-to-order pancakes — served in a bowl to allow for on-the-go consumption. 

Since Flip'd attempts to merge food made fresh with speed, Johns says that technology is key at the fast-casual chain. Here is a look inside what Flip'd by IHOP will look like, according to the chain's renderings. 

SEE ALSO: McDonald's new CEO is tackling the fast-food giant's reputation problem from the inside

IHOP aims to use mobile ordering and kiosks to get customers' orders in quickly and allow for faster turnaround.

"Technology has really aided us in this process with the timing," Johns said.

"Now you can actually order things and it's ready the moment you get there, instead of having to order the second you walk in," he added. "So this will be quick, but it's not fast food. We don't have foods sitting under a heat lamp. I'm not putting it in a microwave."



Locations will be in high-traffic areas, with Johns saying that IHOP anticipates that most of the business will be takeout.



In addition to functioning as stand-alone locations, Johns says he anticipates that the Flip'd locations will help boost IHOP sales more generally.

"The [restaurant chains] that grow and get bigger usually continue to grow and get bigger because they just keep getting on people's minds," Johns said. "And that top of mind awareness gets more visitation for all locations." 



While Johns says he anticipates pancakes being one of the top-selling items, Flip'd locations will be open for breakfast, lunch, and dinner.



Flip'd fits in with IHOP's more general plan to aggressively expand.

The chain is also expanding outside of breakfast and doubling down on to-go orders. 




From an unexplored desert to a near $2 trillion IPO: The 86-year history of Saudi Aramco in pictures

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  • Since its earliest years in the 1930s, Saudi Aramco has gone from a speculative attempt to find oil to the most powerful company in the global oil industry.
  • The company has its roots in oil exploration by American engineers during the interwar years as the USA looked for a way to exploit growing international demand for petroleum.
  • When drilling began in the 30s, no one was even sure if there was oil in Saudi Arabia.
  • As Aramco marks its international listing, Business Insider decided to look into the rich and fascinating history of the company.
  • Visit Business Insider's homepage for more stories.

Saudi Aramco's initial public offering this week, which saw it become the biggest publicly traded company in the world, has been a long time coming.

The IPO has been rumored for several years, and was long expected to take place last year.

So important is Saudi Aramco's listing to global stock markets, that major financial centres practically tripped over one another to get a slice of the Aramco pie. 

Aramco ultimately decided to list domestically on the Tadawul, it's main stock exchange, raising $25.6 billion in its IPO, all from local investors in Saudi and Gulf states.

Shares surged on its first day of trading, jumping 10% and valuing the company at $1.9 trillion, making it around $700 billion more valuable than Apple.

To mark the IPO, Business Insider decided to take a look at the storied history of the oil giant.

This article originally appeared on Business Insider in December 2017.

In the interwar years, global demand for oil boomed. The invention of the internal combustion engine was among the key drivers.



Before we get to Aramco, a little on the history of Saudi Arabia.

Saudi Arabia was formally founded in 1932 when its first king, Ibn Saud, united four regions of Arabia — Hejaz, Najd, Eastern Arabia, and Southern Arabia — into a single state, following a series of conquests over the course of three decades.

Ibn Saud led the country's efforts to find oil, and under a year after he took power, Saudi Arabia signed its first oil concession agreement with the Standard Oil Company of California — Socal, as it was known, would later become Chevron, now one of the world's most important oil producing firms.



In November 1933, a management company for the concession, known as the California Arabian Standard Oil Company, or Casoc was formed. Casoc, in effect, marked the very beginning of what we know as Saudi Aramco.

 

 



By this point, no oil had been found, and no serious exploration had even started. In truth, no one was even completely certain that there even was oil in the country.

That would change the following year when geologists started to survey an area that became known as the Dammam Dome — a geological formation near to the city of Dammam on Saudi Arabia's east coast.



After preliminary surveys of the area, Casoc bosses back in California asked their teams to start drilling.

"By early June 1934, the geologists finished the detail work on a geological structure they had named the Dammam Dome and thus completed their first field season in Saudi Arabia. In a preliminary report to the home office in San Francisco, they recommended that drilling be started,"an article in a 1963 edition of the magazine Aramco World noted.



American geologist Max Steineke is credited with the first oil find.

American oil engineers would be forced to drill wells in seven different areas before making a significant discovery of oil, almost five years after drilling first began.

That major discovery was thanks in large to one American geologist, Max Steineke. Steineke was the chief geologist for the US oil prospectors from 1936 onwards, and spent years surveying the Arabian peninsula for clues about the locations of possible oil reserves.

"The success of the Saudi Arabian oil enterprise rests on Well No. 7. After five years of fruitless drilling, Well No.7 seems like a dead end," Saudi Aramco's official website says of the discovery.

"Socal department heads seek advice from renowned geologist Max Steineke. Drawing on years of fieldwork in the Saudi desert and his own encyclopedic knowledge, Steineke tells them to keep drilling."

After his death in 1952, an obituary of Steineke called him "the man who more than anyone else… is entitled to credit for discovering the large oil reserves which have been found in Saudi Arabia."



Finally, on March 4 1938, a significant amount of oil was discovered.

That discovery paved the way for Saudi Arabia to become an international producer, in turn paving the way to becoming one of the world's most important energy centres.

How successful the Saudi oil industry would become was now immediately clear, and at the time Casoc's headquarters in San Francisco "cautiously included a single word of comment in one cable: 'Congratulations.'" after Dammam Well No. 7 was tapped, according to the 1963 Aramco World article.



Just over a year after the first discovery, Saudi Arabia's first tanker load of oil was shipped overseas. The tanker — called the D.G Scofield after one of the founders of the Socal oil company — held around 100,000 barrels of oil, roughly 5% of the capacity of modern tankers.



The next major discovery of oil would take place in 1941, when oil was found in Abqaiq. The discovery was made around five years after Steineke, alongside two other American engineers, J.W. Hoover and Jerry Harriss, had used the area as a base for their earlier explorations.



The Aramco name would first come into being in 1944, when Casoc was renamed to become the Arabian American Oil Company, or Aramco for short.



Aramco gradually increased its production throughout the course of the 1940s, reaching the milestone of 500,000 barrels per day in 1949.

To put that number into context, current production in Saudi Arabia is more than 10 million barrels per day.

Saudi Arabia's ability to export oil increased rapidly in 1951 when the country opened the Trans-Arabian Pipeline. The pipeline spanned more than 1,200 kilometers across the Gulf region, moving oil to the Mediterranean Sea and drastically reducing the time and effort required to get oil onto tankers. The pipeline operated for 32 years, before shutting down in 1983.

Just five years after reached 500,000 barrels per day in output, Aramco was producing one million barrels daily. 



A major step in Saudi Aramco's move toward domination of the global oil markets came in 1960, with the foundation of OPEC. The Organisation of Petroleum Exporting Countries combined the world's major oil producers, excluding the USA and Russia, into a group designed to coordinate oil production policy. OPEC is now seen as the most important organisation in the oil market, with huge influence over prices.



During its early years Aramco was not in the hands of the Saudi state, but that changed when in 1973, the Saudi government purchased 25% of Aramco.

The stake was purchased after the Arab-Israeli war that year (also known as the Yom Kippur war) in which the USA supported Israel by providing aid, including Operation Nickel Grass, a strategic airlift to provide replacement weapons and supplies to Israel.

In solidarity with the nations fighting the war, OPEC producers drastically increased the price of oil exports to Western nations, before announcing an embargo and cutting production. Saudi Arabia's government then decided to nationalise part of Aramco.

It would increase its stake to 60% in 1974, before completing the nationalisation in 1980. All of Aramco's oil rights, production apparatus, and facilities came under government control at that time.

Aramco later became Saudi Aramco in 1988 when the Saudi Council of Ministers — effectively Saudi Arabia's Cabinet — approved the creation of the Saudi Arabian Oil Company, which is now most commonly known as Saudi Aramco.



Over the next couple of decades Saudi Aramco expanded aggressively through a mixture of acquisitions and the opening of numerous new oil production facilities. By 2009, the company was capable of producing as much as 12 million barrels of crude oil per day.



Aramco's ballooning size meant that by the early years of the 21st century, Saudi Arabia's economy was almost entirely dependent on oil revenues for growth and prosperity.

The early 2000s coincided with a huge boom in global oil prices. Between 2011-2014 there were numerous periods where single barrel of oil was worth more than $100.

In 2014, however, prices started to crash, losing more than 50% of their value in rapid order.

Ever since oil prices started to plunge in mid to late 2014, imbalances in the Saudi economy that have "ballooned" in the last decade have started to be exposed. Government revenues now cover just over half of outlays, and the country is deep in deficit, in both budgetary and current account terms.



As a result, under the careful watch of thrusting young prince, Mohammed Bin Salman, Saudi Arabia has launched its so called Vision 2030 plan. Vision 2030 is effectively a plan to modernise and diversify the Saudi economy by taking steps that include exploiting untapped mineral reserves, boosting its position in the pantheon of global trade, and increasing revenues from religious tourism.



Part of Vision 2030 is the listing of Aramco in the international financial markets.

Any funds raised from the IPO — which could be as much as $100 billion if Aramco sells 5% of itself at a $2 trillion valuation — are expected to be pumped into the Saudi Public Investment Fund (PIF).

Launched in 1971, just two years before the Aramco nationalisation began, the PIF is effectively a sovereign wealth fund, and will likely use the money from the IPO to invest both domestically and internationally. After the IPO, the remaining 95% of Aramco will be transferred from government control into the hands of the PIF.



This month's listing marks the culmination of almost 100 years of work for Saudi Arabia's oil industry, and turned the company into the largest publicly listed business on the planet, surpassing Apple comfortably.



The 25 best companies you'll want to work for in 2020

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  • Job site Glassdoor released their annual ranking of the best companies to work for, based on employee reviews.
  • Major tech companies like Microsoft and Google, plus smaller Silicon Valley firms like HubSpot and DocuSign, rank high on the list. 
  • Grocery chain Trader Joe's and airline Southwest also made the top 25.
  • Visit Business Insider's homepage for more stories.

Tech companies will continue to be among the best places to work in 2020.

Job site Glassdoor released its 12th annual ranking of the 100 best large companies to work for, based on employee reviews.

Employees at major tech companies like Microsoft, Google, and Facebook raved about their jobs — perhaps unsurprisingly, given their high salaries and enviable office perks. Most of the companies in the top 25 are located in Silicon Valley and northern California.

Other top companies include Southwest Airlines, consulting firm Bain & Company, and grocery store Trader Joe's. 

Business Insider listed the 25 top companies to work for in 2020. The full list can be viewed on Glassdoor's website.

SEE ALSO: 15 fast-growing, high-paying jobs where you only need an associate's degree

25. Camden Property Trust has an overall company rating of 4.4.

Headquarters: Houston, Texas

Industry: Real estate

Employee review on Glassdoor:

"They're willing to listen to new ideas and encourage creativity. Camden wants us to do the job right and gives plenty of support to do so."— Camden Property Trust Maintenance Supervisor



24. McKinsey & Company has an overall company rating of 4.4.

Headquarters: New York City, New York

Industry: Consulting

Employee review on Glassdoor:

"The people who work here are smart, motivated, and passionate about the work they do. Coaching is a strong part of the culture."— McKinsey & Company Associate



23. Facebook has an overall company rating of 4.4.

Headquarters: Menlo Park, California

Industry: Internet

Employee review on Glassdoor:

"No day is ever alike and I get to tackle challenging problems surrounded by the best and brightest minds."— Facebook Global Brand Partnerships



22. Lululemon has an overall company rating of 4.4.

Headquarters: Vancouver, Canada 

Industry: Department, clothing, and shoe stores

Employee review on Glassdoor:

"Company believes in and is true to its core values. The company invests in its people and leadership/personal development opportunities."— Lululemon Assistant Store Manager



21. Microsoft has an overall company rating of 4.4.

Headquarters: Redmond, Washington

Industry: Computer hardware and software

Employee review on Glassdoor:

"I love the culture and the people here. We are always learning and have a can-do attitude."— Microsoft Inside Sales

 



20. NVIDIA has an overall company rating of 4.4.

Headquarters: Santa Clara, California

Industry: Computer hardware and software

Employee review on Glassdoor:

"Amazing culture, great work-life-balance and a strong drive to succeed in every area makes NVIDIA one of the best places I've ever worked."— NVIDIA Senior Systems Software Engineer



19. MD Anderson Cancer Center has an overall company rating of 4.5.

Headquarters: Houston, Texas

Industry: Healthcare services and hospitals

Employee review on Glassdoor:

"The managers really care about your well being and everyone has a pretty positive attitude and outlook regarding the work environment."— MD Anderson Cancer Center Pharmacist



18. Power Home Remodeling has an overall company rating of 4.5.

Headquarters: Chester, Pennsylvania

Industry: Construction

Employee review on Glassdoor:

"The management will go above and beyond to equip you with what you need to succeed right out the gates."— Power Home Remodeling Sales



17. H-E-B has an overall company rating of 4.5.

Headquarters: San Antonio, Texas

Industry: Grocery stores and supermarkets

Employee review on Glassdoor:

"Flexible working hours. Good learning growth. Perfect work-life balance activities. Good compensation and benefits."— H-E-B Systems Analyst



16. MathWorks has an overall company rating of 4.5.

Headquarters: Natick, Massachussetts

Industry: Computer hardware and software

Employee review on Glassdoor:

"They care about training and ensure that everyone is treated well with amazing little benefits from fruit in the morning to free Wednesday breakfast."— MathWorks Social Media Manager



15. CoverMyMeds has an overall company rating of 4.5.

Headquarters: Columbus, Ohio 

Industry: Healthcare services and hospitals

Employee review on Glassdoor:

"Great place to work. CMM has created a culture that allows people to add value and grow as individuals, while still benefiting the organization."— CoverMyMeds Analyst



14. Trader Joe's has an overall company rating of 4.5.

Headquarters: Monrovia, California

Industry: Grocery stores and supermarkets

Employee review on Glassdoor:

"Pays well, great management, fun environment, more flexible schedule than other retailers, snacking all day every day, and you are encouraged to be yourself."— Trader Joe's Crew Member



13. Boston Consulting Group has an overall company rating of 4.5.

Headquarters: Boston, Massachusetts 

Industry: Consulting

Employee review on Glassdoor:

"Fantastic collaborative working environment. Vast resources available to grow and develop professionally, while delivering high quality value to our clients."— Boston Consulting Group Principal



12. LinkedIn has an overall company rating of 4.5.

Headquarters: Sunnyvale, California

Industry: Subsidiary or business segment 

Employee review on Glassdoor:

"Super invested in employee development, great work/life balance, great benefits for working mothers, and maternity/paternity leave."— LinkedIn Workplace Manager



11. Google has an overall company rating of 4.5.

Headquarters: Mountain View, California

Industry: Internet

Employee review on Glassdoor:

"Work/life balance, benefits, compensation, autonomy, and the quality of your co-workers are unmatched."— Google Program Manager



10. Southwest Airlines has an overall company rating of 4.5.

Headquarters: Dallas, Texas

Industry: Airlines

Employee review on Glassdoor:

"Great flexibility, great benefits, fabulous [coworkers] who work together to make our jobs fun and our customers happy."— Southwest Airlines Flight Attendant

 



9. VIPKid has an overall company rating of 4.5.

Headquarters: San Francisco, California

Industry: K-12 education

Employee review on Glassdoor:

"I've worked for VIPKid for two years, and I love how flexible it is. As an independent contractor I am able to take time off as needed, and I make my own schedule."—VIPKid Teacher



8. Ultimate Software has an overall company rating of 4.5.

Headquarters: Weston, Florida

Industry: Enterprise software and network solutions

Employee review on Glassdoor:

"The unlimited PTO, amazing benefits, and feeling like part of a big family are my favorite parts about Ultimate."— Ultimate Software Social Media Business Analyst



7. Intuitive Surgical has an overall company rating of 4.5.

Headquarters: Sunnyvale, California

Industry: Healthcare products manufacturing

Employee review on Glassdoor:

"In addition to getting to engage in a dynamic work environment, I am also able to spend my evenings and weekends with my family on most days."— Intuitive Surgical Senior Human Factors Engineer



6. Lawrence Livermore National Laboratory has an overall company rating of 4.5.

Headquarters: Livermore, California

Industry: Federal agencies

Employee review on Glassdoor:

"They work with your schedule with their alternative work schedule option. They have a work life balance program with lots to offer including health assessment."— Lawrence Livermore National Laboratory Graphic Designer



5. Sammons Financial Group has an overall company rating of 4.5.

Headquarters: West Des Moines, Iowa

Industry: Insurance carriers 

Employee review on Glassdoor:

"Here at Sammons they encourage employee growth and development and have programs in place that help you aspire to be your best you possible."— Sammons Financial Group Internal Wholesale



4. In-N-Out Burger has an overall company rating of 4.6.

Headquarters: Irvine, California 

Industry: Fast-food and quick-service restaurants

Employee review on Glassdoor:

"Very flexible scheduling and understanding supervisors. They put forth a significant effort to advance your skills as an employee and help you climb the ladder."— In-N-Out Burger Store Associate



3. DocuSign has an overall company rating of 4.6.

Headquarters: San Francisco, California

Industry: Computer hardware and software

Employee review on Glassdoor:

"They treat their employees fairly, are dedicated to the success of their employees, have great work life balance, and very responsive management."— DocuSign Sales



2. Bain & Company has an overall company rating of 4.6.

Headquarters: Boston, Massachusetts 

Industry: Consulting

Employee review on Glassdoor:

"The company truly pays attention to personal growth and development. The supportive atmosphere is unique."— Bain & Company Partner 



1. HubSpot has an overall company rating of 4.6.

Headquarters: Cambridge, Massachusetts

Industry: Computer hardware and software

Employee review on Glassdoor:

"HubSpot works hard to create a truly diverse and inclusive work environment where everyone can feel comfortable bringing their true selves to work."— HubSpot Renewals Account Manager 

 



These were the 15 best CEOs of 2019

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Jeff weiner

  • Career site Comparably released its annual ranking of the best US chief executive officers in 2019. The ranking reviewed self-reported employee data.
  • Many of the CEOs on the list head tech companies on the West coast and in Silicon Valley. These executives include Jeff Weiner of LinkedIn and Satya Nadella of Microsoft.
  • There is only one female CEO in the top 15.
  • Visit Business Insider's homepage for more stories.

Employees love tech CEOs.

Comparably released its annual ranking of the best CEOs of major US companies. The career site used data from 10 million user ratings submitted over the course of a year. Users anonymously rated their CEO using a numerical score.

Tech CEOs, like Satya Nadella of Microsoft and Jeff Weiner of LinkedIn, came out on top. Nine of the top 15 CEOs lead companies on the West Coast.

White men made up the overwhelming majority of the top 15. The sole woman was Lynn Jurich, CEO of the solar electricity provider Sunrun, who took the 10th spot. Two Asian-American men — Nadella and Sundar Pichai of Google — made the top 15, and no black or Latino men appeared at all.

Here are the top 15 best US chief executive officers. The full list can be found on Comparably's website.

SEE ALSO: The 25 major companies with the most satisfied employees of 2019

DON'T MISS: Microsoft CEO Satya Nadella made $42.9 million this year, which is more than most other CEOs — here's how his salary stacks up

15. Craig Menear, CEO of The Home Depot

Starting year: 2014 

Headquarters: Atlanta, Georgia

Company description: The Home Depot, Inc. is a home improvement retailer, supplying tools, construction products, and services.



14. Ryan Smith, CEO and cofounder of Qualtrics

Starting year: 2002 

Headquarters: Provo, Utah

Company description: Qualtrics Experience Management is a software platform that helps brands assess the quality of their four core experiences — customers, employees, products, and brands.



13. Sundar Pichai, CEO of Google

Starting year: 2015

Headquarters: Mountain View, California

Company description: Google is a multinational technology company that provides Internet-related services and products. 



12. Mark Mader, CEO and president of Smartsheet

Starting year: 2006

Headquarters: Bellevue, Washington

Company description: Smartsheet is a work management and document sharing platform.



11. Sasan Goodarzi, CEO of Intuit

Starting year: 2019

Headquarters: Mountain View, California

Company description: Intuit offers financial management solutions for small and medium sized businesses, financial institutions, consumers, and accounting professionals.



10. Lynn Jurich, CEO and cofounder of Sunrun

Starting year: 2007

Headquarters: San Francisco, California

Company description: Sunrun is a provider of residential solar electricity.



9. Bert Bean, CEO and president of Insight Global

Starting year: 2018

Headquarters: Atlanta, Georgia

Company description: Insight Global is a national staffing and services company that specializes in sourcing information technology, government, accounting, finance, and engineering professionals and delivering service-based solutions to Fortune 1000 clients.



8. Kevin Lobo, CEO and chairman of Stryker

Starting year: 2012

Headquarters: Kalamazoo, Michigan

Company description: Stryker offers products for orthopedics, medical, surgical, neurotechnology, and spine.



7. Charles Butt, CEO and chairman of H-E-B

Starting year: 1971

Headquarters: San Antonio, Texas

Company description: H-E-B operates more than 358 stores, including superstores, supermarkets and gourmet markets. 



6. Jeff Weiner, CEO of LinkedIn

Starting year: 2008

Headquarters: Sunnyvale, California

Company description: LinkedIn, a professional networking site, allows its members to create business connections, search for jobs, and find potential clients.



5. John Legere, CEO of T-Mobile

Starting year: 2012

Headquarters: Bellevue, Washington

Company description: T-Mobile is a 4G LTE network provider.

 



4. Satya Nadella, CEO of Microsoft

Starting year: 2014

Headquarters: Redmond, Washington

Company description: Microsoft is a multinational technology company. It develops, manufactures, licenses, supports, and sells computer software, consumer electronics, personal computers, and related services.



3. W. Craig Jelinek, CEO of Costco

Starting year: 2012

Headquarters: Issaquah, Washington

Company description: Costco Wholesale is a multibillion dollar global retailer with warehouse club operations in 11 countries.



2. Brian Halligan, CEO and cofounder of HubSpot

Starting year: 2006

Headquarters: Cambridge, Massachusetts

Company description: HubSpot offers a variety of software for professionals in the sales, marketing, and service industries.



1. Eric Yuan, CEO of Zoom Video Communications

Starting year: 2011

Headquarters: San Jose, California

Company description: Zoom Video Communications provides remote conferencing services using cloud computing. 



Meet the 8 people with new ideas about data, fees, and tech who are shaking up the $3.2 trillion hedge fund game

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JamieKramer

  • The hedge fund game is dominated by big players, and it can be tough for true innovators to carve out a niche. Here are eight people making their mark with new twists on fees, data, ESG investing, and more.
  • Investors have questioned the hedge fund industry's high fees and recent lackluster performance — which has helped make the case for new ideas more compelling. 
  • Click here for more BI Prime stories.

The hedge fund industry is often slow to embrace change.

Sure, funds start and close every year, and managers tweak investment strategies and fee structures, but many have been sticking to the same basic approaches for decades. 

We found eight people who are actively trying to change things up when it comes to data, fees, sustainable investments and more.

They work at places like JPMorgan, APG Asset Management, and Acadian Asset Management, among others. Some have been at their mission for years while others are just starting out, but all of them are doing something that turns conventional thinking in the hedge fund space on its head. 

Jim Carney, CEO of Parplus Partners

One of the defining traits of hedge funds is their high fees. 

While the industry has been moving away from the once-common 2% management fee and 20% performance fee, hedge funds still stand out at a time when fees on retail investor-geared products are in a race to the bottom. 

Parplus Partners, a New York-based volatility trading hedge fund, has come up with a different model. Jim Carney's fund trades volatility options and holds cheap S&P 500 index funds, and collects performance fees of 33% only if it outperforms the market.

"I wanted to have our interests aligned with investors," Carney told Business Insider. Carney launched Parplus in 2017 with seed capital from his former employer Ronin Capital, and has made a name for his fund thanks to the fee structure. 

After starting with just $13 million, Parplus has more than $120 million in assets now, and the fund finished 2018 up 78%, according to a factsheet. 

Management fees, Carney says, encourage funds to go out and raise a lot of money instead of focusing on actually managing it. 

"We want to use investor money in the most efficient way," he said. 

Parplus currently runs one fund, which trades options on the stock market's volatility, but is planning to roll out a fixed-income fund as well, which will have similar performance hurdles. 



Basil Qunibi, CEO of Atom Investors

Turning a data company into a hedge fund isn't always easy. 

Financial Risk Management and CargoMetrics Technologies have had success transforming into hedge funds. 

But there's also the case of Incapture Technologies — backed by former Barclays CEO Bob Diamond — which flamed out after a year amid investor worries about Incapture selling its proprietary technology to competitors.

But Atom Investors is different, mainly because its founder Basil Qunibi, who also started data company Novus, has always wanted to be in the hedge fund game. 

Hearing Paul Tudor Jones and John Griffin speak at his alma mater, University of Virginia, helped fuel Qunibi's interest in the industry, he has said, but after a stint at Merrill Lynch he didn't find many funds that would hire him. 

"I interviewed at a lot of hedge funds, I didn't get a lot of offers," he said on Ted Seides' Capital Allocators podcast last year.

Qunibi instead made his way into the industry from the investor side, working for a fund-of-funds that used to be a part of BNY Mellon, which was where he started developing the basis for Atom. 

Novus was created "a little bit out of frustration," Qunibi said on the podcast, because he noticed that investors were not doing deep analysis when picking hedge funds.

"It was a big surprise to me to see that fundamental analysis not incorporated into the selection of investment managers," he said. 

Qunibi said on the podcast that Novus' big value to allocator clients is helping them understand underlying skillsets of managers.

Austin, Texas-based Atom now uses analytics from Novus to evaluate portfolios and make allocations to hedge funds, and is running more than $1 billion after launching last year. 

Atom started by investing in 20 hedge fund managers through separately managed accounts, and according to a media report, pledged $200 million to short-selling start-up fund Orso Partners this summer. 



Jamie Kramer, head of alternatives solutions group at JPMorgan

Hedge funds have been looking more at ESG ratings when evaluating investments. And now, thanks to one person, they're also paying attention to how their own business stacks up. 

"When we first started asking 'Does the manager have an ESG policy?' we got people saying 'Do we have a what?'" said Jamie Kramer, head of JPMorgan's alternative solutions platform. 

JPMorgan's platform works with roughly 100 hedge funds that clients can use to build portfolios, and it started tracking ESG metrics on the managers in early 2018. 

At the time, only four hedge funds on the platform had a formal ESG plan for their own businesses, Kramer said. 

Now, with the help of Kramer and her team, roughly half of the managers do, and JPMorgan hopes that will hit 75% in the next year.

To Kramer, it's a no-brainer for hedge funds, which are already tracking every other type of performance metric.

"It's being aware of what of the nonfinancial will eventually drive financials," she said.

"Once you measure something, people are going to pay attention to it," she added. 

JPMorgan last year also began tracking diversity at hedge fund managers when evaluating whether they should be added to the platform, running the stats to see which ones had a significant owner or prominent investor that is a person of color or a woman.

Of the invested capital in the funds on the JPMorgan platform, 38% is with women- and minority-led managers, and a quarter of the managers are women- or minority-led.

In contrast, women and minority-owned hedge funds control less than 1% of industry AUM and represent only 13.5% of firms, according to the Knight Foundation.



Michael Weinberg, head of hedge funds and alternative alpha at APG

In the hedge fund world, artificial intelligence and machine-learning are talked about more than they are actually used.

Funds that rely solely on those technologies to trade represent only a fraction of the industry's assets, and investors often have a hard time understanding the strategies.

But Michael Weinberg is not all talk — he's making investments in funds that are actually using the tech and has been one of the biggest drivers of bringing AI to the hedge fund game. 

Weinberg, head of hedge funds and alternative alpha at APG Asset Management, was a research contributor on the World Economic Forum's paper on AI, which described it as a key part of a "fourth industrial revolution." He also helped found the Artificial Intelligence Finance Institute, where he is now on the advisory board. 

Weinberg, the former CIO for the late Jeffrey Tarrant's Protege Partners and MOV 37, believes that the application of AI to finance and hedge funds is still in the first inning, but will rapidly grow once more people become comfortable with it. The most recent wave of investors using these techniques are more willing to share their processes, he said.

"Smaller and emerging managers are often quite transparent with non-disclosure or confidentiality agreements because they have to be if they are to attract investors, raise assets and grow their funds and businesses," he said. 

These funds will be able to look at "5,000 stocks constantly, with 10,000 data points for each company," he said. 

"They're doing it faster, cheaper, and more efficiently,"he said, and it will only be a matter of time until they are as common as the algorithmic trading funds that currently dominate the market. 



Clay Gardner, co-founder of Titan

Titan co-founder Clay Gardner wants even the smallest investors to be able to trade like a big hedge fund.

Gardner, Joe Percoco and Max Bernardy had all worked at hedge funds on either the operations or investment side before launching Titan in 2018.  The company offers robo advisor-esque, 20-stock portfolios based on public filings of top hedge fund's holdings

"It was sort of an aspirational concept," Gardner told Business Insider.

"Everyone can invest like one of these titans." 

Titan Invest has a minimum investment of only $500, and has attracted $30 million in AUM from roughly 6,000 users, Gardner said. 

Gardner worked for Tom Steyer's Farallon and the Blackstone-backed Carbonado Capital as an analyst and investor.

"For the types of funds we worked at, the filings were really a fantastic look into a portfolio," Gardner said.

"You could replicate that without the high cost," he said.

See more: Lone Pine Capital stock-pickers explain why they're investing in Tiffany and Nintendo and how they value 'disruptors' like Beyond Meat

The goal for the team is to eventually replicate all of the complex hedge fund strategies for the average investor, a dream that Gardner admits will be complicated compared to scraping 13-F filings. 

"Fast forward 10 years, and we want our retail investors to be able to invest across all asset classes."



Carson Block, CEO of Muddy Waters Research

Muddy Waters Research founder and short-seller Carson Block has been known for calling out companies as frauds — but recently he's also been going after the hedge funds and banks that invest in the names in his crosshairs.

He has become one of the loudest voices within finance about "amoral investing," and told a conference room full of his peers last December that short-sellers "should put the world on notice." 

"The question I ask is: Should this business be running the way it is? Should it exist the way that it does, regardless of the way it generates money?" Block said at the conference.

"If the answer is no, then get the f--- out."

He targeted healthcare companies in particular, and said investors should start naming not only the executives of "scummy businesses" but the portfolio managers and analysts who continue to buy and support the companies. 

Short-sellers have, in the past, claimed moral high ground, saying they are protecting the market from frauds, and Block has taken it a step further with his call to morality. He has also helped one-time congressional candidate Dan David start his own due diligence firm after David gained prominence for exposing several fraudulent Chinese companies. 

See more: Activist short seller Carson Block is taking aim at 'amoral' investing practices and says it's time to 'name names'



Tim Harrington, founder of BattleFin

Tim Harrington has made alternative data so popular that his annual BattleFin conference in New York had to find a new venue after outgrowing an aircraft carrier.

Harrington, who previously worked for Steve Cohen's SAC Capital and JPMorgan, is a co-founder of BattleFin, which has become a one-stop shop for all things alternative data. 

His New York conference, where hedge funds can meet with people selling unique data sets pulled from things like satellite images and web traffic, now fills up multiple ballrooms at Plaza Hotel. 

See more: Hedge-fund managers are overwhelmed by data, and they're turning to an unlikely source: random people on the internet

The company has also rolled out Ensemble, where people looking to buy data can get a marketplace of pre-vetted sellers of everything from credit card receipts to social media trends to weather projections. 

And data provider Refinitiv invested in BattleFin in June— since then, a $27 billion deal has been announced for the London Stock Exchange to buy Refinitiv. 

As hedge funds and corporations continue to plow money into alternative data, Harrington has built an organization and platform for it to be put to use. While the field is quickly becoming the new norm, odds are new users will need a guide to sort through it all.

See more: Hedge funds' secret sauce is obscure data like satellite images. Here's how the people in charge of spending millions on this data find the stuff worth buying.



Ilya Figelman, head of multi-asset group at Acadian Asset Management

One of the biggest mistakes a hedge fund or asset manager can make is expanding into something they don't know.

Fixed-income giant PIMCO has struggled to find its niche in equities, while Andrew Feldstein's credit-focused hedge fund BlueMountain has cut two equities strategies within a year — and its majority stakeholder AMG just sold to Assured Guaranty. 

But quant firm Acadian Asset Management managed to stick to its roots while still making a jump into the multi-asset space, and brought its already successful computer-driven strategy to the arena of some of the most well-known security pickers. 

Ilya Figelman, who joined Boston-based Acadian three years ago to lead the effort, said he has recruited experts on a wide range of market topics to act as the final read for the algorithm's decisions.

They use over 200 factors to forecast prices for more than 100 potential assets across equities, bonds, currencies, commodities, and options their way of quantifying the global macro strategies that funds like Tudor and Elliot made famous.

"We are not a black-box either," Figelman said. "We can explain this strategy and this process to investors." 

The 16-person team is only running $30 million in seed capital from Acadian right now, but has been generating interest among investors after making money during last year's fourth quarter, Figelman said. 



A Canadian teen created a TikTok account on a whim for his 87-year-old grandmother. Now, she's gone viral and amassed over 400,000 followers.

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Jenny Krupa TikTok

TikTok isn't just for Gen Z, and Jenny Krupa, an 87-year-old TikTok star, is proof.

Krupa stars in videos produced by her 19-year-old grandson, Skylar Krupa, created at the farm where they live in a small town in Alberta, Canada. 

While 2019 is only the first full calendar year TikTok has existed in the United States, it's quickly become popular enough to worry competitors like Facebook, which tried to buy the company's predecessor, Musical.ly, in 2016. Now, the app has become a fixture in teen culture: it has 1.5 billion downloads, and is the top free non-gaming app in the US. The video platform is likely closing in on Instagram and Snapchat in terms of active users — Instagram reached 1 billion monthly active users in 2018, while Snapchat has over 300 million.  

Although TikTok stars have had less success so far monetizing popular accounts than their YouTube and Instagram counterparts, TikTok has proven itself as a platform where users can gain followers and fame in a short period of time — songs like Lil Nas X's "Old Town Road," for example, made the leap from TikTok popularity to the top spot on the Billboard Hot 100. 

Here's how one grandmother and grandson duo is using TikTok to have fun and create a new kind of influencer.

SEE ALSO: The wildly popular TikTok app is becoming an unlikely place for women to talk about infertility and reproductive health — and it's a clear sign the platform is for more than just teens

The Krupas started posting on TikTok in late August 2019 when Skylar realized Jenny had the potential to star of some funny videos.

 

Skylar Krupa told Business Insider that he was aware of TikTok before he downloaded it, but he mostly associated it with the "cringey lip-syncs" of Musical.ly, a TikTok predecessor that was purchased by ByteDance, TikTok's parent company. 

Then he saw a compilation of funny TikToks on Facebook and decided to make an account for his grandmother, whom he calls Baba. Krupa started posting videos privately, sharing them only with cousins and other family members.

According to Krupa, he accidentally posted the above "Perks of being old" video publicly, and it reached 1,000 views in about 15 minutes. He "freaked out" and called his cousins, but ultimately decided "this is why I made the account, for her to get big on the app."



As videos started getting more attention, Skylar had to figure out a way to explain TikTok and internet fame to his grandmother.

At first, the videos were just for family, so Skylar didn't feel the need to explain the intricacies of the platform to his grandmother. Plus, he had long taken Snapchat videos of her, so the TikTok videos were nothing new.  

Once the videos started getting thousands of views, Skylar said he needed to better explain to Jenny what was happening — he described it as "almost like TV," where people scroll through channels.

However, Skylar said his grandmother hasn't quite grasped the concept yet. Jenny knows how many views and followers the account has, but "we'll get 5 million views, but she doesn't care," Skylar said. 



Because his grandparents don't browse TikTok themselves, making videos and explaining trends can take a while.

Skylar described the filming and editing process to Business Insider.

"I'll come up with an idea, then explain it to them, we practice word for word, then shoot," Skylar said.

He said that it often takes many tries to get the video, and every time his grandmother messes up, she thinks it's hilarious. His grandfather, who sometimes makes appearances in the videos, usually only needs one take, according to Skylar. 



Skylar said that the reactions have mostly been positive, but some of the "dark humor" videos have gotten negative responses.

"Most of the comments are super nice, like 'I want you to be my Grandma,'" Skylar said. "Others are not mean, exactly, but they think that you're forcing them to do it [make videos]."

Skylar said that despite comments like "blink twice if you're being held hostage" or "this is evil and disgusting," his grandparents are just having fun, and the account happened to get followers. Skylar said that he has always been close to them, and he visits them most days anyway, but now they also make videos. 



"People think it's her running the account, and I play along in the comments," Skylar said.

Skylar handles the logistics of managing the account, even getting into character as his grandmother to respond to the comments.



Skylar said he hopes to grow the account to the point where Jenny is an influencer, and they can make money off the account.

The most common way creators make money on TikTok is by livestreaming, when viewers can send them money through digital coins, although TikTok is not at the same level of monetization as Instagram.

That could change soon: TikTok is testing social commerce features that could make it easier for users to make money off of their accounts, and Vanessa Pappas, general manager of TikTok North America and Australia, told the New York Times that the monetization options are a big area of growth for the company.

"We're at the beginning stages of exploring different models and ways we can connect creators with brands and opportunities," Pappas told the Times. 

So far, the Krupas have managed to make money from TikTok twice in the form of being paid to use a song in a video. Skylar said that he charges $25 per 25,000 followers. With about 439,000 followers, that works out to roughly $440 to use a particular song. 

"We have to say no a lot, but for the ones that we use, I'll think of an idea, see if the song fits, then let the person know," he said. 

You can check out more of Jenny and Skylar Krupas' videos here.



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