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Wednesday, January 15, 2020

Business News, Updates

Business News, Updates

A $17.5 million penthouse is being built on top of a Tiffany store in Palm Beach, and it comes with its own pool and putting green

Posted: 15 Jan 2020 09:49 AM PST

Penthouse atop TiffanyDouglas Elliman

A $17.5 million penthouse is being built atop a Tiffany & Co. store on the corner of one of America's most famous high-end shopping destinations, Worth Avenue in Palm Beach, Florida. It will be the only private residence in the building. 

According to the Wall Street Journal, ultra-luxury residential developer Kean Development and its partners, Fortress Investment Group and Hyde Retail Partners, purchased the building for $20 million in 2018 and started the penthouse project.

Listed by Gary Pohrer and John Reynolds of Douglas Elliman, the 13,000-square-foot penthouse will feature five bedrooms, seven and a half bathrooms, maid's quarters, three fireplaces, private elevator access from the ground floor, fully equipped indoor and outdoor entertaining spaces, and a rooftop with panoramic views of Worth Avenue. 

Here's a look inside.

The penthouse will be situated directly above the Tiffany & Co. store on Worth Avenue, an iconic address in the heart of Palm Beach, Florida.

Douglas Elliman

It will be the only private residence in the building.

Douglas Elliman

The 13,000-square-foot penthouse will have five bedrooms and seven and a half bathrooms, including a master suite.

Douglas Elliman

See the rest of the story at Business Insider

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Bernie Sanders is being attacked from all sides after a resurgence

Posted: 15 Jan 2020 09:48 AM PST

FILE PHOTO - Democratic 2020 U.S. presidential candidates U.S. Senator Bernie Sanders (L) and U.S. Senator Elizabeth Warren during the first night of the second 2020 Democratic U.S. presidential debate in Detroit, Michigan, July 30, 2019. REUTERS/Lucas JacksonReuters

Sen. Bernie Sanders' 2020 campaign saw a major resurgence in the months following a heart attack in October that raised questions about whether he'd continue running. 

He's been at the top of recent polls in important early voting states, while dominating in fundraising and nabbing endorsements from prominent progressive groups. Sanders is also trailing closely behind Vice President Joe Biden for the top spot in national polls. 

See the rest of the story at Business Insider

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'They don't even plan to go public' — NYU professor Scott Galloway says Casper filed for an IPO but really wants a sale

Posted: 15 Jan 2020 09:48 AM PST

Scott Galloway at DLDHubert Burda Media

  • Casper, the online mattress seller that filed for an IPO last week, would prefer to find a buyer than go public, Scott Galloway told Kara Swisher on the pair's Pivot podcast this week.
  • "They don't even plan to go public ... they're basically saying a Target or someone, 'Come take us out ... we're for sale,'" the New York University professor told the Recode cofounder.
  • Casper's IPO filing revealed modest revenue growth of 20% and an operating loss of $65 million in the nine months to September 30, and the startup faces intense competition from rivals such as Purple and Nectar.
  • "This company should absolutely not be a public company," Galloway told Swisher.
  • View Business Insider's homepage for more stories.

Casper, the online mattress seller that filed for an initial public offering last week, would prefer to find a buyer than go public, Scott Galloway told Kara Swisher on the pair's Pivot podcast this week.

"These guys have said, 'We're in a corner, we're up against it,'" the New York University professor suggested to the Recode cofounder. "They don't even plan to go public ... they're basically saying a Target or someone, 'Come take us out ... we're for sale.'"

See the rest of the story at Business Insider

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The best online deals and sales happening now

Posted: 15 Jan 2020 09:44 AM PST

best online sales dealsAlyssa Powell/Business Insider

We rounded up the 10 best sales and deals happening online today, with savings on STATE Bags, TCL TVs at Best Buy, menswear at Bonobos, outdoor gear at REI, and more.

Deals in this story are subject to change throughout the day. The prices listed reflect the deal at the time of publication. For even more deals and savings across the web, check out Business Insider Coupons.

The best sales and deals happening today at a glance:

Additional Business Insider-exclusive deals and longer-term sales going on now:

Find the details of each sale below:

1. Save up to 70% on bags at STATE Bags

STATE Bags/Facebook

Shop the STATE Bags sale now.

State Bags makes a wide range of backpacks and handbags for a good cause. For every purchase, one bag is filled with supplies and donated to a child in need. Right now, you can save up t0 70% during the end-of-season sale, and you'll feel particularly good knowing your purchase benefits a kid in need. Prices are as marked, so you won't need a promo code. 

2. Save an extra 15% on TCL TVs at Best Buy


Shop the TCL Smart TV sale at Best Buy now.

Best Buy has hard to beat deals on all kinds of tech and electronics, but one of the best savings is on TCL TVs. Now through January 19, you can save up to $400, plus an extra 15% off already discounted TCL 5, 6, and 8 Series TVs by using the promo code "TCLDOLBY15" at checkout.

3. Save an extra 40% on sale styles at Bonobos


Shop the Bonobos sale now

With the ethos of a startup and the backing of a large corporation (Walmart), Bonobos is currently the fastest growing menswear brand out there. Right now, you can save an extra 40% on sale style by using the promo code "SALEAWAY" at checkout. The brand just added more than 250 items to its final sale section, so you'll find a great variety of button-up shirts, chinos, jeans, sweaters, activewear, and much more.


See the rest of the story at Business Insider

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SEE ALSO: The best mattresses you can buy

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The United Explorer card is currently offering up to 65,000 miles — but only for one more week

Posted: 15 Jan 2020 09:42 AM PST

finance money bank banking banking credit card credit score investment payment chase united explorer milieageplus coxCrystal Cox/Business Insider

The United Explorer card is a great option for United flyers even with its standard sign-up bonus of 40,000 miles, but it's currently even more appealing thanks to a limited-time offer. 

If you apply for the card now, you can earn up to 65,000 United miles — 40,000 after you spend $2,000 in the first three months, and another 25,000 miles after you spend $10,000 total in the first six months. 

See the rest of the story at Business Insider

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The 7 Disney movies of 2019 that made over $1 billion at the box office

Posted: 15 Jan 2020 09:42 AM PST

star wars the rise of skywalkerDisney/Lucasfilm

It was Disney's world in 2019 and we all just lived in it.

"Star Wars: The Rise of Skywalker," which hit theaters in December, became the seventh Disney release of 2019 to reach $1 billion at the worldwide box office on Tuesday. One of them, "Avengers: Endgame," made over $2 billion and is the highest grossing movie of all time (before adjusting for inflation).

The previous Disney movie to hit that milestone, "Frozen II," recently became the highest-grossing animated movie of all time with $1.37 billion.

Disney broke its own annual global box-office record in July with $7.67 billion — more than the $7.61 billion it grossed in all of 2016. 

The seven movies on this list don't include "Spider-Man: Far From Home," which is the first "Spider-Man" movie to reach $1 billion, but was distributed by Sony as part of a deal with Disney's Marvel Studios. Warner Bros.' "Joker" is the only other movie of 2019 to reach $1 billion that wasn't distributed by Disney.

Disney/Fox accounted for nearly 40% of the domestic box office in 2019 , but the box office is expected to be more evenly distributed between movie studios next year.

Below are the seven Disney movies that have earned over $1 billion in 2019, ranked by how much they've made globally:

7. "Star Was: The Rise of Skywalker"


Worldwide box office (so far): $1 billion

Domestic box office (so far): $480 million

2019 worldwide box-office ranking: 9

Rotten Tomatoes critic score: 53%

What critics said: "The hermetic logic of the plot is as impeccable as it is ridiculous. It's a drama crafted with robotic insularity for the consumption of viewers being rendered robotic at each moment of the soullessly uniform spectacle." — New Yorker

6. "Aladdin"


Worldwide box office: $1.05 billion

Domestic box office: $355 million

2019 worldwide box-office ranking: 8

Rotten Tomatoes critic score: 57%

What critics said: "The new telling brings little that feels essential, and the missing elements — chiefly, the controlled chaos and unbridled comedy of the late Robin Williams' vocal performance — have given the film's candy-colored visual palate a homesick pall." — Observer

5. "Toy Story 4"


Worldwide box office: $1.07 billion

Domestic box office: $434 million

2019 worldwide box-office ranking: 6

Rotten Tomatoes critic score: 97%

What critics said: "The latest installment, 'Toy Story 4,' is perhaps the bleakest (and most beautiful) of them all." — Salon

See the rest of the story at Business Insider

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SEE ALSO: 10 Disney animated movies that did better than 'The Lion King' remake at the US box office

The best smart light bulbs

Posted: 15 Jan 2020 09:40 AM PST

  • Smart light bulbs bring your home into the 21st century, allowing you to control your lights straight from your phone or with your voice.
  • After much testing, it's clear that the Philips Hue light bulbs are still the best ones you can buy because they are reliable, consistent, easy to use, and work remotely.

If you're looking to smarten up your home, there are two things you can buy to get started. The first is a smart speaker with a smart assistant, like Amazon Alexa or Google Assistant. The second is a set of smart light bulbs. These two are the easiest and most affordable entryways into building a smart home, and a gateway to future smart devices like smart plugs, security cameras and sensors, door locks, etc. 

When it comes to smart light bulbs, there are lots of different options available, with the most recognized ones being the Philips Hue bulbs. But before you settle on any particular brand, there are a number of things you should think about beforehand, especially if you plan on outfitting your entire home. Here's a quick rundown of things to consider:

  • Color or white: Smart light bulbs generally come in two flavors — color bulbs or white bulbs. White bulbs, as you might assume, really only turn on and off like your standard light bulb, while color bulbs can change colors. Of course, white bulbs are also generally cheaper than color bulbs because they are less technically complex to create. The nice thing about either is they're dimmable.
  • Connectivity: Most smart bulbs "talk" to a central hub (using a technology called Zigbee), which is then connected to a home's network via Wi-Fi (wireless) or Ethernet (wired). But some smart bulbs use other routes: The C by GE bulbs work through Bluetooth, for example. So, what are the pros and cons?

    Wi-Fi connectivity means that you can control your bulbs anywhere you have an internet connection, so you can turn them on or off remotely with your phone even if you're miles away. But as mentioned, you'll need a separate hub, and each brand will require its own dedicated hub. Bluetooth bulbs can only connect to a phone within a certain range (approximately up to 33 feet), but the trade-off is that Bluetooth bulbs don't require a hub and use less energy. Hub-based bulbs can work independently or as a collective and can be controlled by multiple users, while a Bluetooth bulb can only talk to one phone at a time.
  • Smart home compatibility: Looking to integrate the bulbs with smart home platforms like Google Home, Amazon Alexa, or Apple HomeKit? You might want to check that your bulbs are compatible before you buy them. That way, you can control your bulbs with your voice, and your bulbs can interact with other smart devices in your home.

We tested several smart light bulbs to find the best ones you can buy. We picked bulbs at various price points and included some that don't need a hub. The lights that have hubs do work better and more consistently. The hub also enables you to control your lights remotely, so we think it's worth the price if you're really serious about building a smart home.

You can also check out our guide to the best normal light bulbs if you're not convinced that smart bulbs are for you. Read on to learn all about our top picks for the best smart light bulbs. 

Here are the best smart light bulbs you can buy:

Updated on 11/27/2019 by Caitlin Petreycik: Updated prices, links, and formatting. Added related guides. 

The best smart light bulbs overall


The Philips Hue light bulbs are easy to use and set up, and they are the most reliable bulbs we've tested.

Philips is arguably the most famous smart light bulb manufacturer, and for good reason. In our testing, not only were the Philips Hue light bulbs extremely easy to set up, but they were also easy to use and very consistent.

Perhaps the best thing about the Philips Hue bulbs is their versatility. You could go for the color-changing bulbs, which are a little more expensive, but there's also the option for the simple white bulbs, which are cheaper and could offer a better option for those looking to set up their entire home. No matter which set you buy, all Hue bulbs are dimmable and can be controlled remotely with the Hue app.

The light bulbs themselves output 800 lumens, which is more than enough for most small to medium-sized rooms, and while larger rooms could benefit from multiple bulbs, that's also true of your standard 60W light bulbs that your home may already be using. On top of that, they're relatively small, unlike bulbs from the likes of LIFX, so they'll be able to fit into most places that your average light bulbs fit.

You can also control the bulbs with your voice if you have Google Home, Apple HomeKit, or Amazon Alexa. It's extremely convenient when you don't want to go get your phone or your hands are busy. You can also control the lights using the respective apps for the aforementioned platforms. The bulbs also support both Bluetooth and Zigbee, which means you can use them with or without a Hue Bridge hub that's included in the starter kit.

There are a few downsides to using Philips Hue bulbs, including the high startup cost. The Hue Bridge hub will not support other brands' bulbs, even if they use Zigbee, but some Zigbee-certified hubs will support Hue bulbs. Of course, the upside to that is reliability and the ability to remotely control your lights, so it is well worth it.

We weren't the only ones who liked the Philips Hue smart bulbs — both CNET and Trusted Reviews rated them highly. Experts and buyers alike agree that these bulbs are the best ones you can buy. Having purchased and tested various smart bulbs, Guides Editor Les Shu eventually settled on Philips Hue for his home, citing the easy set-up and operation with both HomeKit and Alexa.

Pros: Reliable, versatile, easy to use, easy to set up, consistent, voice control, dimmable

Cons: Hue Bridge hub not compatible with other smart bulbs, a little pricey

The best smart light bulbs without a hub


LIFX's bulbs are easy to use and offer a ton of customization in the awesome app, but best of all, they work without a hub.

Interested in setting up your home with smart lighting but don't necessarily want to deal with a hub and the cost associated with one? LIFX's bulbs are probably your best bet.

LIFX has been around for a while now, and the company makes some excellent bulbs that can be set up completely hub-free. Simply screw the bulb in and follow the instructions in the app. The app is pretty easy to use, and it allows you to control bulbs individually or in groups to set scenes, schedule the lights to turn on and off, and even turn on effects like a strobe light for parties.

There are also a few different bulbs available, including the standard A19 bulb and the BR30 model, so you should be able to find the right bulb for most situations.

There are a few downsides to these bulbs. For starters, they're somewhat large, and because there's so much tech packed into each individual bulb, the cost for a bulb is a little higher than the Philips Hue, though these LIFX bulbs don't require a hub. We also found in our testing that at times the app could be a little buggy and not recognize when bulbs were on, though that was rare.

Budget alternative: We like the LIFX bulbs because they support Amazon Alexa, Google Assistant, and Apple HomeKit platforms. If you don't need HomeKit support, we recommend the Kasa smart light bulbs from TP-Link. We've had great success with Kasa bulbs, which work similarly to LIFX bulbs — no hub needed. A dimmable white bulb and a multicolor variant are both great affordable options. A dimmable soft white bulb and tunable white bulb (adjustable from soft white to bright white) are also available.

Pros: Excellent app, very bright, easy to set up, no hub required

Cons: Somewhat large, can sometimes have trouble connecting

The best Bluetooth smart light bulbs


The C by GE Bluetooth smart bulbs are easy to set up and use in the app, and they cost far less than Wi-Fi bulbs.

Looking for a bulb that connects through Bluetooth? GE has the solution for you: C by GE light bulbs. This starter pack comes with two bulbs, called C-Life and C-Sleep, and each is designed for different uses. The C-Life is for everyday use, and the C-Sleep is for use in the bedroom.

What's the difference between the bulbs? C-Life is really only a white color (if white can be a color), while C-Sleep offers three different settings: a cold light, to energize you in the morning, a normal white light, and a warm light to promote sleep at night.

Because the bulbs connect through Bluetooth and don't require Wi-Fi, they're pretty small and also relatively cheap, because you don't need to factor in a hub — great for homeowners who are just stepping into the smart lighting world and aren't yet ready to commit to a full lighting system. This two-pack is also less expensive than our hub-less Wi-Fi options, the LIFX and TP-Link Kasa bulbs.

The trade-off is that you have to be within Bluetooth range — 10 meters or 33 feet — to use the bulbs, so forget about using them while you're out of the house or even at the other end of the home. That can be a real problem for some users, especially those who want to really turn their home into a smart home. You may also run into connectivity issues.

Still, that doesn't mean you shouldn't go for these bulbs. The app is quite easy to use — although perhaps not as easy as Philips and LIFX — and the C By GE bulbs represent a great introduction to smart lighting.

The C by GE Life and Sleep bulbs also support Google Assistant, no hub necessary. With a device like a Google Nest Mini, you can control the bulbs with your voice or remotely. If you're looking to expand the C by GE bulbs' capabilities, connect them to the C by GE smart plug, which adds support for Amazon Alexa and Google Home, as well as away-from-home control.

Pros: Cheap, easy to connect

Cons: Limited color options, app could be more user-friendly

See the rest of the story at Business Insider

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SEE ALSO: The best light bulbs you can buy

Nicolas Cage has been in over 100 movies. Here are his 10 best and 10 worst ones.

Posted: 15 Jan 2020 09:39 AM PST

nic cage movie rankingMillennium Entertainment,The Film Arcade,Freestyle Releasing

  • Nicolas Cage is an actor known for films like "National Treasure" (2004) and "Face/Off" (1997). 
  • Insider ranked Cage's 10 best and 10 worst films according to critic reviews on Rotten Tomatoes. 
  • His best-rated films like "Spider-Man: Into the Spiderverse" (2010) and "Love, Antosha" (2019) were adored by critics. 
  • On the other end of the spectrum, critics panned Cage's work in movies like "Grand Isle" (2019) and "Deadfall" (1993). 
  • Visit Insider's homepage for more great stories.

Known for his work in thrillers like "Face/Off" (1997) and adventure films like "National Treasure" (2004), Nicolas Cage has made a name for himself in many genres by starring in over 100 films.

But with a career spanning the course of multiple decades, it's no surprise that not all of his pictures have been received well by critics. 

Here are the 10 best and 10 worst films that Nicolas Cage has starred in, ranked by critical scores on Rotten Tomatoes.

Note: Films without critical ratings were not included. All scores were current on the date of publication and are subject to change.

The actor's highest-rated film is "Spider-Man: Into the Spiderverse" (2010), in which he voiced Spider-Man Noir.

Sony Pictures Animation

Rotten Tomatoes score: 97%

Summary: In the animated film "Spider-Man: Into the Spiderverse," young Miles Morales (Shameik Moore) gains superhuman abilities at the same time that New York City loses their iconic hero Spider-Man.

When multiple versions of Spider-Man (voiced by Jake Johnson, Nicolas Cage, Hailee Steinfeld, and more) are pulled from other universes, they try to show Miles what it means to be a hero. 

Critics loved "Spider-Man: Into the Spiderverse" for its moving story and unique animation design. 

"The delights of 'Spider-Man: Into the Spider-Verse' bring a newfound sense of joy and playfulness to the beloved character," wrote Katie Walsh for the Tribune News Service

Cage participated in the documentary "Love, Antosha" (2019).

Lurker, Ltd.

Rotten Tomatoes score: 96%

Summary: The documentary "Love, Antosha" explores the unexpected death of Anton Yelchin and his legacy as a young actor and artist.

Cage's voice was featured in the documentary to narrate Yelchin's personal diaries.  

The nature of the documentary hit home for a lot of reviewers, who found the film to be a warm and fitting tribute to a man of boundless talent. 

"Mostly, the Antosha of 'Love, Antosha' seems like a good kid: someone whose life — and tragic death — should inspire us to spend our brief time here as wisely and as well as he did," Pat Padua wrote for The Washington Post

The actor played Michael Williams in "Red Rock West" (1993).

Sony Pictures Home Entertainment

Rotten Tomatoes score: 95%

Summary: In the dramatic thriller "Red Rock West," wandering Texan Michael Williams (Cage) is mistaken for a professional hitman by a tavern owner. Happy to just take the money and get out of town, Michael soon comes face-to-face with the real hitman. 

Critics called "Red Rock West" a tightly wound thriller with a well-earned ending and a phenomenal cast. 

"It's well worth tracking down, wherever you can find it. For it has the kind of tension and energy — maybe even a touch of delirium — that is only a memory in most of today's big studio movies," said Richard Schnickel for Time Magazine

See the rest of the story at Business Insider

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Donald Trump is a 'bad mother f-----' because he's 'done crazy s--- a lot of people wish they could do,' UFC fighter Jorge Masvidal says

Posted: 15 Jan 2020 09:35 AM PST

Jorge Masvidal next UFC fight.JPGPhoto by Reuters / MATTHEW CHILDS

  • Jorge Masvidal has accepted a formal invite to the White House in Washington DC and said Donald Trump has "done a lot of crazy s--- that a lot of people wish they could do."
  • Visiting the Oval Office will punctuate an extraordinary 12 months for Masvidal, as the Floridian fighter was in the conversation for fighter of the year last year after victories over Darren Till, Ben Askren, and Nate Diaz.
  • During that time he has been opening up multiple streams of income as an ambassador for CBDmd and with his own branded Mezcal.
  • But he hopes his greatest payday is yet to come and is targeting a welterweight showdown with Conor McGregor.
  • McGregor fights Donald Cerrone at the UFC 246 event in Las Vegas on Saturday and Masvidal told us he will be Octagonside "having a good old time," working on fighting McGregor later in the year should he win this weekend.
  • Visit Business Insider's homepage for more stories.

Continuing what's been a whirlwind year, Jorge Masvidal has accepted a formal invitation to the White House, praising US President Donald Trump as "one bad motherf-----."

Masvidal finished 2019 by beating Nate Diaz in front of Trump, who was watching Octagonside at the UFC 244 event in Madison Square Garden, New York, to win a standalone BMF belt which stands for the "baddest mother f-----" in the game.

See the rest of the story at Business Insider

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The most surprising details in the Mail on Sunday's official defense against Meghan Markle's lawsuit

Posted: 15 Jan 2020 09:35 AM PST

meghan markleMax Mumby/Indigo / Contributor

Meghan Markle's father has been working closely with the Mail on Sunday's defense team, as the royal prepares to take the newspaper to court for publishing excerpts from a letter she wrote to him.

The Duchess of Sussex is suing the publication over the misuse of private information, infringement of copyright, and breach of the Data Protection Act 2008.

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: 15 Jan 2020 09:32 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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A rare chemical that helped DNA form may have come to Earth on comets from newborn stars, astronomers find

Posted: 15 Jan 2020 09:27 AM PST

near earth object asteroids neos nasa m15 091bNASA

Phosphorus, an element that's key in forming DNA and fueling life on Earth, may have first arrived on the planet via comets from newborn stars.

Since the element is extremely rare in the universe, its presence on Earth has been a long-standing mystery. But scientists at the European Southern Observatory (ESO) now suggest that phosphorus may have first arrived on Earth in the molecule phosphorus monoxide – phosphorus bonded with one oxygen molecule.

See the rest of the story at Business Insider

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7 times you're better off spending than saving

Posted: 15 Jan 2020 09:27 AM PST

shopping spending moneyWillie B. Thomas/DigitalVision/Getty

Money is a utility that, in its best form, is meant to improve our lives.

As such, there are a few times where a product, service, or experience is worth the additional cost (as long as you're not slipping into credit-card debt because of it). 

For example, you're better off spending money on a life insurance policy to protect your family than not having one at all; paying a professional for help with your money if you're paralyzed by indecision; and yes, buying the latte if it's something you enjoy and it doesn't distract from your other goals.

Here are seven times you're better off spending than saving:

1. To maintain good health

Mireya Acierto/Getty Images

Your health is priceless. Whether it's opting for a more expensive health insurance plan at work because the coverage is better, ponying up for an Equinox membership, or picking organic produce at the grocery store, you shouldn't feel guilty about spending money when your mental and physical health is on the line. 

2. To protect your family with insurance

Layland Masuda/Getty Images

If anyone relies on you for financial support, life insurance and disability insurance are a must-have. In exchange for paying a monthly premium, a disability insurance policy will provide an income stream if can no longer work due to an injury or illness and a life insurance policy will pay out a lump sum if you pass away.

The average cost of a 20-year term life policy for a healthy 35-year old male runs from about $20 a month for $250,000 of coverage to $100 a month for $2 million of coverage, according to Policygenius. Long-term disability insurance premiums run anywhere from 1% to 3% of your salary.

Ask anyone with life or disability insurance and they'll tell you: It's a small price to pay for peace of mind and financial security.

3. To buy things that bring you joy or save you time

Flickr/Merlijn Hoek

As long as you're cutting back on the things you don't care about, it's OK to spend money on the experiences, services, and products that bring you joy or make your life easier. If a daily latte, regular facials, a housekeeper, or first-class plane tickets enhance your life without distracting from your financial goals, spend away.

Being good with money is the ultimate balancing act between needs and wants. Depriving yourself isn't sustainable and rarely leads to success.

See the rest of the story at Business Insider

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POWER RANKING: Here's who has the best chance of becoming the 2020 Democratic presidential nominee

Posted: 15 Jan 2020 09:23 AM PST

Democratic presidential candidate former Vice President Joe Biden speaks during a campaign event at Keene State College in Keene, N.H., Saturday, Aug. 24, 2019. (AP Photo/Michael Dwyer)Associated Press

With 12 major candidates in the race, the Democratic 2020 presidential field is set to be one of the largest, most competitive, and most unpredictable in modern history.

To help make sense of where all these candidates stand, Insider has been conducting a recurring SurveyMonkey Audience national poll. You can download every poll here, down to the individual respondent data.

Read more about how the Insider 2020 Democratic primary tracker works.

We're mainly interested in using our polling to figure out:

  • What percentage of Democratic voters are familiar with each candidate in the first place.
  • How Democrats rate each candidate's chances of beating President Donald Trump in the general election.
  • If a given candidate were to drop out of the race, who that candidate's supporters would flock to next.

We've combined Insider's polling and results of Morning Consult's daily survey of the 2020 Democratic primary to create a power ranking of declared and potential 2020 candidates.

With less than three weeks to go before the Iowa caucuses, the race is heating up, and every day presents a crucial make-or-break opportunity for the candidates. 

This week, we said goodbye to Sen. Cory Booker and Marianne Williamson, who both dropped out of the race.

Here's what our ranking looks like as of January 54, 2020.

12: Former Gov. Deval Patrick of Massachusetts


Like Bloomberg, Patrick also made an extremely late entry into the race, officially announcing his campaign on November 14.

While Patrick hasn't been very active on the political scene for the past few years, he's led a long career in business and politics. He served as the governor of Massachusetts from 2007 to 2015, and was most recently a managing director at Bain Capital, the private equity firm founded by Sen. Mitt Romney. 

Patrick will have a tough uphill battle in his presidential bid, and it's almost impossible to see a clear path to him winning any primary contests at all, much less a path to the nomination, which is why we put him in 13th place near the bottom of our ranking. 

He's already missed the filing deadline for two key Super Tuesday state primaries in Alabama and Arkansas, and unlike Bloomberg, he doesn't have billions of dollars in personal wealth to draw from.

More importantly, Patrick doesn't seem to have a clear rationale for running for president other than trying to position himself as a unifying Obama-type figure — the exact lane Biden is occupying, situating him in last place in our ranking.


Read more about Deval Patrick's campaign.

11: Former Rep. John Delaney of Maryland

Lucas Jackson/Reuters

Delaney is among those at 1% in Morning Consult polls. According to Insider's polling, he's known by about 20% of Democrats, but he has been unable to build a base of support having to compete with former VP Joe Biden for moderate voters. 

We moved Delaney to the bottom of our ranking in early August he was thoroughly walloped by Sen. Elizabeth Warren in the July Democratic debates.

Warren had the line of the night in criticizing him, saying, "I don't understand why anybody goes to all the trouble of running for president of the United States just to talk about what we really can't do and shouldn't fight for."

Now that he hasn't qualified for the fall debates and is on the outside looking in, the rationale for him staying in the race is less and less clear.

Read more about John Delaney's campaign.

10: Rep. Tulsi Gabbard of Hawaii


Gabbard has some serious viability problems among Democrats.

Not only do a significant proportion of respondents in Insider polling say they are unhappy with her as the nominee compared with her rivals, but Gabbard has not been able to consolidate support in a meaningful way.

Despite being one of the first to enter the race, Gabbard is still polling at 1% in Morning Consult and is considered a less viable opponent to President Donald Trump in the general election than most other candidates. 

We dropped Gabbard down a spot, however, on November 22 after she spent most of her time at the November Democratic debate blasting her own party as "not the party that is of, by, and for the people" and "influenced by the foreign policy establishment in Washington represented by Hillary Clinton, as well as getting into spats with Sen. Kamala Harris and Mayor Pete Buttigieg.

While Gabbard's performance earned her lots of praise from right-wing media and even the Trump campaign, its exceedingly difficult to see how it helps her win over Democratic primary voters. 

Read more about Tulsi Gabbard's campaign.

See the rest of the story at Business Insider

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SEE ALSO: Here's everyone who's running for president in 2020, and who has quit the race

I knew nothing about money when I graduated college, but a surprise $3,000 tax bill taught me 2 financial lessons I still live by

Posted: 15 Jan 2020 09:22 AM PST

intern and boss working togetherKlaus Vedfelt/Getty Images

  • As an intern in New York City in 2007, I was earning $13 an hour and living the dream. Until I got an unexpected $3,000 tax bill.
  • Taxes weren't being taken out of my paychecks, and I didn't know I should be setting aside money to pay the bill at the end of the year.
  • Luckily, my mentor helped me get on my feet and taught me two key lessons: First, that I actually love dealing with money (and I'm good at it). And second, most financial goals can be reached by saying them out loud and making a plan.
  • Read more personal finance coverage.

In 2007 I was living what I considered to be the dream. I had scored a paid internship at a women's magazine in Manhattan, and had found an apartment in the city with two roommates I adored. One of my best friends from college was working in the same building, and another one was right across the street. Life was peachy.

What could possibly go wrong?

See the rest of the story at Business Insider

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Every single cameo on The CW's 'Crisis on Infinite Earths' crossover

Posted: 15 Jan 2020 09:21 AM PST

arrowverse crisis crossover batwoman arrow mia smoakThe CW

  • Warning: There are major spoilers ahead for "Crisis on Infinite Earths."
  • The CW kicked off the Arrowverse's big "Crisis on Infinite Earths" crossover on Sunday, December 9, 2019 and concluded with two back-to-back episodes on Tuesday.
  • The five-part crossover featured plenty of notable appearances, aside from the network's current stars. 
  • Visit Insider's homepage for more stories.

The CW's highly-anticipated Arrowverse crossover, titled "Crisis on Infinite Earths," concluded on Tuesday.

The crossover event, comprised of five total episodes, centered on superheroes from across the multiverse uniting to prevent complete destruction as anti-matter swept across different Earths.

In addition to actors from "Arrow," "Supergirl," "The Flash," "Batwoman," "Legends of Tomorrow," and "Black Lightning" appearing throughout the crossover, some other stars made cameos.  

Here are all the celebrities who had cameos.

Robert Wuhl reprised his role as reporter Alexander Knox from the 1989 Tim Burton "Batman" movie.

The CW

He was seen in Gotham City on Earth-89 (a nod to the year the movie about the Caped Crusader was released starring Michael Keaton), sitting on a bench and reading the Gotham City Gazette. The newspaper had a front-page headline that read, "Batman Captures Joker,"  and the bat signal was projected in the sky as the city's call for help from the superhero.

A scene of the red skies on Earth-9 showed "Titans" star Alan Ritchson as Hawk/Hank Hall.

The CW

Season one of "Titans," which is a grittier spin on DC's Teen Titans, was released on DC's streaming app (DC Universe ) in 2018. 

Another scene showed Curran Walters' "Titans" character, Jason Todd.

The CW

He was seen in San Francisco with Hawk, and their Earth was destroyed. Considering that a third season of "Titans" has already been confirmed for 2020, it'll be interesting to see how "Crisis" impacts the show. 

See the rest of the story at Business Insider

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'Tax cuts 2.0' will be rolled out during Trump's 2020 campaign, his top economic advisor says

Posted: 15 Jan 2020 09:20 AM PST

FILE PHOTO: U.S. Director of the Economic Council Larry Kudlow speaks during the Wall Street Journal CEO Council, in Washington, U.S., December 10, 2019. REUTERS/Al DragoReuters

  • National Economic Council Director Larry Kudlow says the White House will release another tax cut plan in the middle of the 2020 election this year, likely in the summer.
  • President Trump's top legislative achievement remains the 2017 Tax Cuts and Jobs Act, which slashed tax rates for corporations permanently while providing temporary relief for individuals.
  • Since late last year, the Trump administration has weighed another round of tax cuts to help bolster the president's re-election odds and campaign that a second term would provide a boost to the middle class.
  • Visit Business Insider's homepage for more stories.

The Trump administration will roll out another round of tax cuts during the 2020 campaign, the president's top economic advisor Larry Kudlow said in a CNBC interview on Wednesday.

Kudlow, the National Economic Council Director, said he's been spearheading the planning so far.

See the rest of the story at Business Insider

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Blueland is a new household cleaning startup that helps you reduce single-use plastic consumption — here’s how the products perform

Posted: 15 Jan 2020 09:19 AM PST

blueland cleaning review 2Blueland/Instagram

  • There are ways to eliminate single-use plastics from nearly every aspect of your life, including the way you clean your home. 
  • Blueland is a new startup that makes reusable cleaning products so you never have to throw a plastic household cleaner in the trash can again. 
  • The Clean Essentials kit ($39) contains sturdy reusable bottles and dissolvable tablets for multi-surface, glass and mirror, and bathroom cleaners and hand soap. All you need to do is add water and a tablet to the bottle.
  • Since tablet refills are small and cost only $2 each, this system also saves you money and space on cleaning products in the long run. 
  • See more: The best cleaning products for kitchen and laundry appliances; The best bathroom cleaning products
Product Embed:
Product Name: Blueland Clean Essentials Kit
Card Type: small
Width: 100%
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It's becoming easier to eliminate single-use plastic. When you go grocery shopping, use a nylon tote bag. Instead of buying plastic water bottles, use water filters at home and carry a reusable water bottle when you go out. To wash your hair and brush your teeth, use shampoo bars and mouthwash tablets

If you look hard enough, there are now ways to "de-plasticize" nearly every aspect of your life, including the laborious, expensive, and wasteful chore of cleaning your home. 

See the rest of the story at Business Insider

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19 of the best maternity outfits celebrities have worn

Posted: 15 Jan 2020 09:12 AM PST

blake livelyMark Sagliocco/Stringer/Getty Images

Pauletta Washington rocked a yellow maternity dress on the red carpet in 1991.

Laura Luongo/Getty Images

Her off-the-shoulder dress had a sparkling neckline, which perfectly matched her gold kitten heels and short necklace.

Jada Pinkett Smith put a '90s spin on classic pregnancy attire.

Ron Galella, Ltd./Getty Images

Her red-carpet look included a strapless black dress, velvet boots, and a long-sleeved jacket made from silk.

In 2007, Jennifer Lopez glowed in a white, floor-length gown.

Steve Granitz/Getty Images

Her flowing dress had a single strap placed across her shoulder, as well as a pleated skirt. 

See the rest of the story at Business Insider

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A 14-year-old boy died after being trapped in a chimney where his lungs were unable to expand and contract

Posted: 15 Jan 2020 09:07 AM PST

chimneyDouglas Sacha/Getty

  • A 14-year-old boy's body was found inside a 9-by-13-inch chimney. 
  • The coroners determined that Harley Dilly had died of compressive asphyxia, which occurs when the chest or abdomen is crushed by a powerful force or large weight. 
  • Harley had been missing since December 20. Port Clinton Police Chief Robert Hickman called Harley's death "not the outcome we wanted."
  • Other cases of compressive asphyxia have occurred during overcrowded concerts and sporting events. 
  • Visit Insider's homepage for more.

The body of Harley Dilly, a 14-year-old boy who had been missing since the morning of December 20, was finally found inside the chimney of a house near his family's home in Ohio.  

After nearly a month of searching homes in the area, police came to the double-locked home on 507 Fulton Street, which is used as a vacation home. They first found Harley's glasses and coat next to a brick chimney, and then peered inside the chimney to find his body.

See the rest of the story at Business Insider

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