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Wednesday, January 1, 2020

Business News, Updates

Business News, Updates

Southwest has 5 different credit cards for earning points and enjoying flight perks — here's how to decide which is best for you

Posted: 01 Jan 2020 09:56 AM PST

Southwest Rapids Rewards 4x3Alyssa Powell/Business Insider

Southwest is smaller than the "big three" US airlines (American, Delta, and United), but it remains a great choice for many travelers thanks to customer-friendly policies like two free checked bags per customer and no change fees. Plus, while Southwest's route network is smaller than other airlines', it flies to some great vacation destinations, including Hawaii, Cancun, Aruba, Punta Cana, and more.

If you fly Southwest, a co-branded credit card can be a great way to earn extra Rapid Rewards points toward free flights, and spending on these cards can also help you earn the Southwest Companion Pass that lets you designate a loved one to bring along on flights for free minus taxes and fees. If you're interested in opening a Southwest credit card to improve your travel, here's everything you need to know about the current options to find the best pick for you.

See the rest of the story at Business Insider

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These 5 banks offer the most sought-after mobile features in the US

Posted: 01 Jan 2020 09:30 AM PST

free site leaderboardBusiness Insider Intelligence

This is a preview of a research report from Business Insider Intelligence, Business Insider's premium research service. This report is exclusively available to enterprise subscribers. To learn more about getting access to this report, email Senior Account Executive Haydn Melia at, or inquire about our enterprise memberships.

Citibank, USAA, BBVA USA, Bank of America, and NFCU lead the US market in offering the most in-demand mobile features in 2019, according to Business Insider Intelligence's third annual US Mobile Banking Competitive Edge Study. 

See the rest of the story at Business Insider

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The pope apologized for slapping the hand of a woman who tried to yank him toward her

Posted: 01 Jan 2020 09:20 AM PST

pope francisYouTube/Guardian News

  • Pope Francis apologized in a New Year's Day address for losing patience and smacking the hand of a woman who grabbed him.
  • "I apologize for yesterday's bad example," he said.
  • Videos of the incident showed the pope navigating a crowd when a woman reached out and grabbed his hand, yanking him toward her and initially refusing to let go.
  • He then smacked the woman's hand as a security guard tried to loosen her grip.
  • Visit Insider's homepage for more stories.

Pope Francis apologized for smacking the hand of a woman who grabbed him on New Year's Eve.

In a New Year's Day address at St. Peter's Basilica in the Vatican, Francis acknowledged the incident and spoke about the virtue of patience.

See the rest of the story at Business Insider

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I was shocked to see my friends pay a restaurant bill with debit cards, but it turns out they're perfectly representative of millennials on the whole

Posted: 01 Jan 2020 09:15 AM PST

millennials dining outThomas Barwick/Getty Images

At a restaurant in Las Vegas, a few friends and I were splitting the check for brunch. When the check came, we all pulled out our cards to pay. I was shocked to see two debit cards among the six of us. 

My friends are millennials, and they're generally pretty good with money. They're all frequent travelers, and love to spend money on experiences like dining out. While one of my friends is very loyal to the Capital One Venture card and I'm a United Explorer card fanatic, not everyone has found the right card yet. They're all smart and savvy people, and it surprised me when I saw some of them missing out on all that credit cards have to offer.

See the rest of the story at Business Insider

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THE CONTENT MODERATION REPORT: Social platforms are facing a massive content crisis — here's why we think regulation is coming and what it will look like

Posted: 01 Jan 2020 09:01 AM PST

This is a preview of The Content Moderation Report from Business Insider Intelligence. Purchase this report. To check to see if you already have access to Business Insider Intelligence through your company, click here. Content moderation has become a top priority for social platforms — including Facebook, YouTube, Twitter, Pinterest, and LinkedIn — amid rising public and political scrutiny and escalating content-related crises. content moderation 2019 stop using a social platform

Brands, lawmakers, and even social media execs are coming to grips with the reality that platforms are not up to the task of moderating content on their own, primarily due to their massive scale. The scale of the problem — and the difficulty of fixing it — roughly correlate with the scale of platforms themselves.

Even if 99% of harmful content is removed from a large platform, an enormous amount can still remain. Even leadership at social platforms believe their platforms should have oversight from external stakeholders, with some either publicly stating that belief or privately meeting with regulators. Tech execs including Facebook CEO Mark Zuckerberg, Google CEO Sundar Pichai, and Twitter CEO Jack Dorsey have each come out in support of new regulation around platform content. 

See the rest of the story at Business Insider

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The $450 Contouring Facial Celebrities Swear By

Posted: 01 Jan 2020 08:52 AM PST

  • Biba de Sousa is a celebrity esthetician located in Beverly Hills, California. She customizes facials for actresses such as Miley Cyrus, Emma Roberts, Mandy Moore, Emily Blunt, and Rosie Huntington-Whiteley. 
  • Her facials start at $300 and go up to $450. 
  • Some facial techniques she incorporates into her treatments include microdermabrasion to exfoliate and polish off dead skin cells, an ultrasonic skin spatula to hydrate the skin, facial lymphatic drainage, a deep tissue facial massage that includes gua sha, extractions for visible pimples, and a microcurrent to lift and firm skin. 
  • Visit Insider's homepage for more stories.

The following is a transcript of the video:

Caroline Aghajanian: Today, I am going to get a facial with celebrity esthetician Biba de Sousa. She has done facials for Miley Cyrus, Emma Roberts, Mandy Moore, Emily Blunt, literally Hollywood ladies with gorgeous skin. She has this one tool that's supposed to de-puff my eyes and face, and it looks really cool, so I hope we use that today. Her treatments are fully customized for your skin and cost over $300, so let's go get the Hollywood treatment.

Biba de Sousa: So, we're going to put this eye pads, and I'm going to take a look at your skin so that we can determine what are we going to do. So, here's what's happening. Your skin is clean. We're going to do some little extractions on the side of the skin. Right off the bat, you're super dehydrated. Your barrier is stripped. So our goal today is going to be to hydrate you and restore your barrier. I can't tell you what we're going to do. Most of the times I just don't know, because the next step will reveal the need for something else. I charge $300 for a one-hour treatment and then $450 for an hour and a half.

See the rest of the story at Business Insider

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7 people were injured after a shooting in a West Virginia bar on New Year's Day

Posted: 01 Jan 2020 08:47 AM PST

west virginia bar shootingYouTube/WKRG

  • Seven people were injured in a shooting at a West Virginia bar early on New Year's Day, authorities said.
  • Huntington police said initial information suggested the shooting involved a dispute between individuals.
  • The victims' conditions remain unclear.
  • Visit Insider's homepage for more stories.

HUNTINGTON, W. Va. (AP) — Seven people were injured after being shot at a bar in West Virginia early New Year's Day, police said.

The shooting happened early Wednesday at the Kulture Hookah Bar in Huntington, interim Huntington Police Chief Ray Cornwell said in a news release.

See the rest of the story at Business Insider

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Want to invest in 2020 but don't know where to start? Robo-advisers make it cheap and easy

Posted: 01 Jan 2020 08:39 AM PST

woman using computerMaskot/Getty Images

  • Managed portfolios, sometimes called robo-advisers, are investment accounts where you are assigned a professionally designed portfolio based on your investment goals.
  • Robo-advisers offer several major advantages over human financial advisers, including improved tax-loss harvesting and lower management costs.
  • If you don't know much about investing, a managed portfolio is a great way to get started with a diverse, professional portfolio.
  • Open an account with Wealthfront or Stash today and start investing with the help of a robo-adviser »

If you know you should invest but don't want to do it yourself, there are several paths forward. One that is growing in popularity, and for good reason, is managed portfolios. Also known as robo-advisers, managed portfolios are professionally designed portfolios customized for your unique circumstances.

These affordable digital financial advisers pick a group of low-fee index funds that align with your investment goals. Let's take a look at how they work and why 2020 could be the right year to switch to a managed portfolio.

See the rest of the story at Business Insider

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6 mistakes I made while paying off $81,000 of student loan debt

Posted: 01 Jan 2020 08:30 AM PST

melanie lockert.JPGCourtesy of Melanie Lockert

  • I borrowed a total of $81,000 in student loans for two degrees. Over a period of nine years, I paid it all off — and it wasn't easy.
  • I made a lot of mistakes along the way. For one thing, I spent years paying only the minimum, even though I could have afforded to pay more.
  • I also put off retirement savings, went without health insurance, and raided my emergency savings — all moves I'd later regret.
  • Read more personal finance coverage.

Like many people, I had to resort to student loans to pay for college. I borrowed a total of $81,000 in student loans for two degrees. Over a period of nine years, I paid it all off — and it wasn't easy.

It took a lot of cutting back and earning more and staying focused. But I also made a lot of mistakes, too. In retrospect, I might have done a few things differently. Here are six mistakes I made while paying off my student loans.

See the rest of the story at Business Insider

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Here's why hangovers happen, according to scientists — and your best bet for a smoother recovery

Posted: 01 Jan 2020 08:26 AM PST

hangover headache sickVadim Zakharishchev/Shutterstock


Debaucherous evening last night? You're probably dealing with veisalgia right now.

More commonly known as a hangover, this unpleasant phenomenon has been dogging humanity since our ancestors first happened upon fermentation.

See the rest of the story at Business Insider

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Jeffree Star is spotlighting an alleged Grindr murder in Michigan and says the dating-app company was slow to respond

Posted: 01 Jan 2020 08:14 AM PST

jeffree star racism videoJeffree Star/YouTube

  • The YouTuber and makeup guru Jeffree Star used Twitter and Snapchat to bring attention to a murder case in Michigan said to have taken place after a Grindr hookup.
  • Kevin Bacon was found dead last week after he went to meet up with someone on the hookup app, his roommate said.
  • Bacon's family and Star alleged that the company behind the dating app was initially uncooperative in the case.
  • On Monday, following Star's posts, charges were brought against Mark Latunski.
  • Read more stories on Insider.

The YouTube celebrity and cosmetics tycoon Jeffree Star used social media over the weekend to bring national attention to the killing of Kevin Bacon, a 25-year-old Michigan man whose remains were found days after he left to meet up with a man he became acquainted with through the gay dating app Grindr.

In a tweet and in a series of posts on Snapchat, Star, who is openly queer, expressed his grief to millions of followers over the death of Bacon, a resident of Swartz Creek, Michigan, a suburb of Flint.

See the rest of the story at Business Insider

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These are the top five trends shaping the future of digital health

Posted: 01 Jan 2020 08:00 AM PST

Digital HealthBII

The healthcare industry is in a state of disruption. Digital solutions are becoming a necessary part of the new global standard of care for patients and regulation is being fast-tracked to catch up to digital health innovation.

These rapid changes will have ripple effects across the entire healthcare system, impacting incumbents and new entrants alike.

Based on our ongoing analysis, understanding of industry trends, and conversations with industry executives, Business Insider Intelligence, Business Insider’s premium research service, has put together The Top Five Trends Shaping The Future of Digital Health.

To get your copy of this free report, click here.

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9 hiring trends to look out for in 2020, according to workplace experts

Posted: 01 Jan 2020 08:00 AM PST

job interview10'000 Hours/Getty

  • With the rise of a new decade, hiring trends will change, too. Some businesses may be more tentative with fears of a recession.
  • Expect technology and AI will influence hiring in 2020, such as the usage of digital recruitment or skills tests.
  • Candidates will be looking for great benefits, good onboarding, and cultural fit. Flexible work will also become a norm.
  • Visit Business Insider's homepage for more stories.

With the anticipation of not only a new year but a new decade, the most strategic of companies are seeking ways to remain competitive in an ever-changing workforce. After all, many aspects of the professional sphere shift as generations begin their careers. From what top-performing candidates will prioritize when job searching to effective ways to field through applicants, here, thought leaders predict the hiring trends to come in 2020:

1. Technology will optimize the candidate experience

Gary Cameron/Reuters

As every executive understands, as soon as you reach a "manager" level in your title, part of your day-to-day gig is interviewing potential employees. While important, this can be a time-consuming process, especially when you also have to deliver on the rest of your responsibilities, too.

Looking ahead, Jeff Berger, the CEO and founder of Talent, Inc., predicts advances in digital recruitment innovation, AI, and tech-centered marketing will streamline the process. Because of this, employers will have more time to focus on the human side of the hiring process and less time to sift through applications.

"What's more, these technological advancements — chatbots, automated texting — will allow candidates to be better informed regarding the status of their application and more engaged in the overall process," he said.

2. Companies will combat the skills gap by adjusting their hiring strategies

PeopleImages/Getty Images

According to Berger, employers face a global skills gap that is estimated to cost $8.5 trillion in unrealized economic output. In short, this means those candidates who demonstrate a willingness and ability to grow and adapt to new challenges in the workplace will be prioritized over others in the pool.

"Emphasis will be placed on hiring employees who can devise creative solutions to meet their goals or have what's known as 'high potential,'" Berger said.

3. There will be a bigger emphasis on benefits over pay

10'000 Hours/Getty Images

While it's true everyone cares about how many zeroes are at the end of their paycheck, money might not be the biggest incentive for some professionals.

As industrial-organizational psychology practitioner and workplace expert Amy Cooper Hakim, PhD predicts, killer health insurance, unlimited vacation policies, and work-from-home-part-of-the-week perks may outweigh a bulky paycheck in the years to come.

"Companies know this and are structuring their packages to include more benefits or perks to attract the 'right' employee for the position," she said. "Recruiters are more willing to agree to unconventional work arrangements in order to attract and retain the best person for the role."

See the rest of the story at Business Insider

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Millennials spent the last decade struggling to build wealth, but an expert says this will all change in the 2020s for 5 key reasons

Posted: 01 Jan 2020 07:59 AM PST

millennialMauricio Santana/Getty Images

The past 10 years have seen millennials cope with myriad financial hardships, but there might be a brighter future waiting for them in the next decade.

The 2008 financial crisis left many millennials financially behind: The oldest have been playing catch up in wealth building after entering a tough job market, while the youngest became risk averse by watching the recession unfold. And both age groups have had to balance this all with the weight of student-loan debt.

See the rest of the story at Business Insider

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DON'T MISS: Millennials have been called the 'brokest' and the 'richest' generation, and experts say both of those are true

Trump deployed 750 more troops to the Middle East after an attack on the US embassy in Iraq

Posted: 01 Jan 2020 07:35 AM PST

AP20001431516209Melissa Sue Gerrits/The Fayetteville Observer via Associated Press

  • President Donald Trump ordered roughly 750 soldiers deployed to the Middle East following an attack on the US Embassy in Iraq.
  • Another 3,000 were prepared for possible deployment in the coming days.
  • The attack occurred Tuesday by dozens of Iran-supported militiamen. No US casualties or evacuations were reported.
  • The 750 soldiers deploying immediately were in addition to 14,000 US troops who had deployed to the Gulf region since May in response to concerns about Iranian aggression.
  • Visit Business Insider's homepage for more stories.

WASHINGTON (AP) — Charging that Iran was "fully responsible" for an attack on the US Embassy in Iraq, President Donald Trump ordered about 750 US soldiers deployed to the Middle East as about 3,000 more prepared for possible deployment in the next several days.

No US casualties or evacuations were reported after the attack Tuesday by dozens of Iran-supported militiamen. US Marines were sent from Kuwait to reinforce the compound.

See the rest of the story at Business Insider

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The decade of 'millennials killing' things has come to an end, but it wasn't the generation's fault in the first place

Posted: 01 Jan 2020 07:15 AM PST

Bud Light BeerHollis Johnson/Business Insider

If you go by the headlines, the last decade has been nothing short of a bloodbath at the hands of millennials. 

Millennials murdered napkins. They killed cereal. Buffalo Wild Wings and TGI Fridays? Found dead in a ditch, thanks to millennials. 

See the rest of the story at Business Insider

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A fire killed more than 30 animals at a German zoo and was likely caused by sky lanterns launched to celebrate the new year

Posted: 01 Jan 2020 07:13 AM PST

german zoo fireAlexander Forstreuter/dpa via Associated Press

  • A fire killed more than 30 animals at a zoo in western Germany on Wednesday, including apes, monkeys, bats, and birds, authorities said.
  • Witnesses told police they saw a number of paper lanterns with fires inside shortly after midnight on New Year's Day.
  • The zoo near the Dutch border said that the entire ape house burned down, killing five orangutans, two gorillas, a chimpanzee and several monkeys, as well as fruit bats and birds.
  • Visit Insider's homepage for more stories.

BERLIN (AP) — A fire at a zoo in western Germany in the first minutes of 2020 killed more than 30 animals, including apes, monkeys, bats and birds, authorities said. Police said the fire may have been caused by sky lanterns launched to celebrate the new year.

Several witnesses reported that they had seen the cylindrical paper lanterns with little fires inside flying in the night sky shortly after midnight Wednesday near the Krefeld zoo, Gerd Hoppmann, the city's head of criminal police told reporters.

See the rest of the story at Business Insider

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An obscure tax exemption called 'QSBS' can save you millions when you sell your startup. Here are the 4 basic criteria to follow to make sure you get it.

Posted: 01 Jan 2020 07:00 AM PST

nikki beach champagne party

  • A little-known tax perk called Qualified Small Business Stock, or QSBS, can supersize your startup's exit payout by wiping out long-term capital gains taxes on at least $10 million in profits — or on a whopping ten times the amount of your original investment — whichever is bigger.
  • With QSBS, you can wave some or all federal taxes on the sale. Some states, like New York, also abide by QSBS (Sorry, California does not).
  • There are a lot of pitfalls when setting yourself and your company up for QSBS. Use this 4-part checklist to make sure you pocket every penny possible. Start by planning for QSBS early in your startup's life cycle. 

Qualified Small Business Stock, or QSBS, is something every founder and early-stage investor should know about.

The little-known tax exemption lets these early shareholders avoid paying long-term capital gains taxes to the federal government when they sell their shares. Some states allow you to wave long-term capital gains taxes as well with QSBS.

See the rest of the story at Business Insider

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THE BUY BUTTON REPORT: The introduction of SRC will turn the online retail payments industry on its head — here's how payments players can win in the new checkout landscape

Posted: 01 Jan 2020 07:00 AM PST

Payments firms have introduced buy buttons to streamline the online checkout process, but so many have done so that it can have the opposite effect.

BBRBusiness Insider Intelligence

This led companies to introduce buy buttons so consumers could skip the cumbersome, labor-intensive steps required to input contact and payment information online, and to allow them to shop online more freely.

See the rest of the story at Business Insider

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