http://www.businessinsider.com/clusterstock/contributor en-us Thu, 14 Dec 2017 09:30:12 -0500 Thu, 14 Dec 2017 09:30:12 -0500 The latest news from Business Insider http://static3.businessinsider.com/assets/images/bilogo-250×36-wide-rev.png http://www.businessinsider.com http://www.businessinsider.com/are-high-end-makeup-brushes-worth-it-2017-12 http://www.businessinsider.com/are-high-end-makeup-brushes-worth-it-2017-12 Thu, 14 Dec 2017 09:19:20 -0500 Chelsea Greenwood <p><span style=”font-weight: 400;”><img src=”http://static1.businessinsider.com/image/5a3288fc7101ad78a450aebb-1000/shutterstock122057740.jpg” alt=”makeup brushes” data-mce-source=”Aleksey Stemmer/Shutterstock” data-link=”https://www.shutterstock.com/image-photo/makeup-brushes-dark-case-122057740?src=9Zm0oYWHPueZeEFOHZb8qg-1-89″ /></span></p> <p><span style=”font-weight: 400;”>It’s the eternal question facing budget-conscious shoppers: Invest in a high-quality item that will last or go for the low-cost option that can be easily replaced? Sometimes the choice is clear: I’ll buy the generic-brand laundry detergent any day if that means I can afford my ride-or-die </span><a href=”http://www.ulta.com/full-shampoo?productId=xlsImpprod3420163″><span style=”font-weight: 400;”>Living Proof shampoo</span></a><span style=”font-weight: 400;”>. Other times, it can be more of a brain scratcher — like with </span><a href=”http://www.thisisinsider.com/kylie-jenner-makeup-brushes-complaints-responses-2017-12″><span style=”font-weight: 400;”>makeup brushes</span></a><span style=”font-weight: 400;”>.</span></p> <p><span style=”font-weight: 400;”>When it comes to </span><a href=”http://www.thisisinsider.com/category/makeup”><span style=”font-weight: 400;”>makeup</span></a><span style=”font-weight: 400;”>, we all want a flawless face, and brands offer a million ways to achieve that: primers, foundations, concealers, powders, sponge applicators, finishing sprays. The choices are endless. </span></p> <p><span style=”font-weight: 400;”>So brushes often become an afterthought, even though they’re an essential part of any routine. Do you really want to spend $40 on a blending brush when you’ve just dropped that much on the newest foundation? And does it really make a difference if you buy the $4 version at the drugstore instead?</span></p> <p><span style=”font-weight: 400;”>Yes and no. There are distinct differences between high-end and low-end makeup brushes, but whether these factors matter is totally up to you.</span></p> <p> </p><h3>Big bucks mean better bristles.</h3> <img src=”http://static4.businessinsider.com/image/5a3288fc7101ad78a450aebb-400-300/big-bucks-mean-better-bristles.jpg” alt=”” /> <p><p><span style=”font-weight: 400;”>”To put it simply, a good quality brush is really about the hair,” Fei Xu, a licensed esthetician, and cosmetologist based in Massachusetts told INSIDER. “Natural hair should be your go-to choice over synthetic or other manufactured materials.”</span></p> <p><span style=”font-weight: 400;”>Although there are certainly exceptions, most budget brands use synthetic bristles in their brushes to keep costs low. These man-made fibers, usually nylon, taklon or polyester, have their pros and cons, but many industry professionals prefer natural fibers, including (from most to least expensive) kolinsky sable, squirrel, mink, weasel, goat, and pony hair. These are more pricey and more likely to be found in high-end brushes.</span></p> <p><span style=”font-weight: 400;”>But Xu urged shoppers to focus primarily on bristle material and quality and not on flashy name brands and packaging.</span></p> <p><span style=”font-weight: 400;”>”The dividing line for higher quality makeup brushes and lower quality makeup brushes is not necessarily about pricing or name brand,” she said. “A name-brand brush is expensive based on many additional factors, including marketing, counter sales, and any brand endorsements. By paying attention to manufacturer guidelines in products, you’ll be able to find natural hair brushes [in places ranging] from high-end boutiques to your local drugstore.”</span></p> <p><span style=”font-weight: 400;”>However, those who prefer vegan and cruelty-free products can rest assured that no animals are harmed in the making of synthetic brushes, which are 100% man-made.</span></p></p> <br/><br/><h3>You’ll see a big difference in application.</h3> <img src=”http://static6.businessinsider.com/image/5a3288fc7101ad78a450aebc-400-300/youll-see-a-big-difference-in-application.jpg” alt=”” /> <p><p><span style=”font-weight: 400;”>At the end of the day, we all just want makeup perfection, so application is key. Natural and synthetic bristles pick up and apply makeup differently because of their structure.</span></p> <p><span style=”font-weight: 400;”>Xu explained that natural hair comprises three parts: “From outside to the inside is the cuticle, cortex, and medulla. Because of the scales and the hollow structure, natural hair bristles ‘grab’ and pick up more powder than synthetic brushes, and, when you press the brush, it will release the powder, which makes the application much more effective.”</span></p> <p><span style=”font-weight: 400;”>That’s why most makeup artists prefer natural-hair brushes to blend and perfect the base, including setting powder, blush, highlight, and contour.</span></p> <p><span style=”font-weight: 400;”>On the other hand, since synthetic fibers don’t have this three-part structure, they don’t grab or absorb as much product. However, that does give synthetic brushes an advantage when using liquid formulas, such as a concealer or foundation, when you don’t want to overdo it.</span></p></p> <br/><br/><h3>Brushes should be kind to your face.</h3> <img src=”http://static2.businessinsider.com/image/59a71f3224884941d0253a6d-400-300/brushes-should-be-kind-to-your-face.jpg” alt=”” /> <p><p><span style=”font-weight: 400;”>I distinctly remember the moment when I upgraded my cheapo foundation brush to a higher-end one – and couldn’t stop caressing my face with the silky bristles. This is another major difference between natural and synthetic brushes: The former tends to be softer and easier on the face. </span></p> <p><span style=”font-weight: 400;”>They also get softer with time, whereas “synthetic brushes get stiffer and stiffer after each use,” Xu told INSIDER.</span></p> <p><span style=”font-weight: 400;”>If you have sensitive skin that doesn’t do well with physical irritation, like a scratchy brush, natural fibers might be your best bet. But keep in mind that some people have allergies to animal hair and thus should opt for synthetic fibers. It comes down to knowing what works best for you.</span></p></p> <br/><br/><a href=”http://www.businessinsider.com/are-high-end-makeup-brushes-worth-it-2017-12#/#go-for-something-that-will-last-4″>See the rest of the story at Business Insider</a> Aleksey Stemmer/Shutterstock http://www.businessinsider.com/rival-belgrade-football-teams-play-in-insanely-hostile-conditions-2017-12 http://www.businessinsider.com/rival-belgrade-football-teams-play-in-insanely-hostile-conditions-2017-12 Thu, 14 Dec 2017 09:18:43 -0500 Alan Dawson <p><img src=”http://static4.businessinsider.com/image/5a3285cf4aa6b5c7198b4ae4-2400/rtx3qzu1.jpg” alt=”Red Star Belgrade and Partizan Belgrade” data-mce-source=”Reuters”></p><p></p> <p>A match in Serbia was marred by bloody violence on Wednesday evening.</p> <p>Partizan Belgrade welcomed Red Star Belgrade to the Stadion Partizana for a SuperLiga match but play was interrupted because of clashes between hooligan fans of both teams.</p> <p>Supporters lit torches and threw smoke bombs on the pitch before engaging in a mass brawl.</p> <p>Riot police were forced to make arrests.</p> <p><strong>You can see the intense matchday photographs below.</strong></p><p><strong>SEE ALSO: <a href=”http://uk.businessinsider.com/a-think-tanks-top-10-ranking-of-the-most-in-form-strikers-in-football-does-not-include-cristiano-ronaldo-heres-why-2017-12″ >A think tank’s top 10 ranking of the most in-form strikers in football does not include Cristiano Ronaldo — here’s why</a></strong></p> <p><strong>DON’T MISS: <a href=”http://uk.businessinsider.com/as-monaco-striker-radamel-falcao-nailed-a-must-see-beckham-esque-goal-from-50-yards-2017-12″ >One of the most in-form strikers in European football nailed a must-see Beckham-style goal from 40 yards</a></strong></p> <p><strong>UP NEXT: <a href=”http://uk.businessinsider.com/the-best-footballers-in-the-world-ronaldo-messi-neymar-2017-8″ >The 24 best footballers on the planet right now</a></strong></p> <h3>This is a match between Red Star Belgrade and Partizan Belgrade, two Serbian teams that compete in the country’s SuperLiga.</h3> <p><biembeddedobject id=”78d2f6af-3149-4713-89a9-5d74c1863ec3″ class=”raw mceNonEditable”></biembeddedobject> <p> </p></p> <br/><br/><h3>It may look like any other football game, but matches between these two sides are dubbed the ‘Eternal Derby’ and the animosity between the Belgrade clubs is seen as one of the fiercest rivalries on the planet.</h3> <p><biembeddedobject id=”dff6ca28-6a92-49b5-92d1-299e33d1e42a” class=”raw mceNonEditable”></biembeddedobject> <p> </p></p> <br/><br/><h3>Wednesday’s league game between Partizan and Red Star was no different. And it was not long before smoke bombs were launched onto the pitch.</h3> <p><biembeddedobject id=”1c5e9541-ec52-4447-85e9-3d8a61a35a56″ class=”raw mceNonEditable”></biembeddedobject> <p> </p></p> <br/><br/><a href=”http://www.businessinsider.com/rival-belgrade-football-teams-play-in-insanely-hostile-conditions-2017-12#/#play-was-frequently-interrupted-as-visibility-deteriorated-but-the-match-was-never-called-off-4″>See the rest of the story at Business Insider</a> Reuters http://www.businessinsider.com/what-is-wall-street-charging-bull-new-york-city-2017-12 http://www.businessinsider.com/what-is-wall-street-charging-bull-new-york-city-2017-12 Thu, 14 Dec 2017 09:15:00 -0500 Harrison Jacobs <p><img src=”http://static1.businessinsider.com/image/5a3136524aa6b54d008b47f2-1067/chargingbullnewyork 5 of 8.jpg” alt=”ChargingBullNewYork (5 of 8)” data-mce-source=”Harrison Jacobs/Business Insider” data-link=”https://www.instagram.com/harrisonxjacobs/” /></p><p></p> <p><span>Despite being created less than 30 years ago, New York’s <a href=”http://chargingbull.com/”>Charging Bull sculpture</a> has become one of the most visited sites in New York City.</span><span></span></p> <p><span>On any given day in Manhattan’s Financial District, hordes of tourists can be found crowding around the sculpture, taking photos, or rubbing the bull’s nose, horns, or backside.</span><span></span></p> <p><span>It’s no exaggeration to say that the bull has captured tourists’ imagination, coming to symbolize America’s financial prowess, greed, and Wall Street. </span></p> <p><span>But that wasn’t the intention, according to its creator.</span></p> <p><span>Here’s what it’s all about.</span></p><p><strong>SEE ALSO: <a href=”http://www.businessinsider.com/fraunces-tavern-new-york-oldest-restaurant-wall-street-photos-2017-12″ >New York’s oldest restaurant is so iconic, George Washington celebrated winning the Revolutionary War there — here’s what it’s like</a></strong></p> <h3>The Charging Bull statue is located in New York’s Financial District, blocks from the New York Stock Exchange on Bowling Green park.</h3> <img src=”http://static4.businessinsider.com/image/5a31451eb0bcd5b9008b48a2-400-300/the-charging-bull-statue-is-located-in-new-yorks-financial-district-blocks-from-the-new-york-stock-exchange-on-bowling-green-park.jpg” alt=”” /> <p><p><a href=”https://www.google.com/maps/place/Charging+Bullfirstname.lastname@example.org,-74.0152471,15z/data=!4m5!3m4!1s0x89c2589a17a81551:0xc7db393ae1eff521!8m2!3d40.7055537!4d-74.0134436″ target=”_blank” rel=”noopener”>Google Maps directions here»</a></p></p> <br/><br/><h3>Today, the Charging Bull sculpture is one of the most visited tourist hotspots in New York, and the world. But it’s only been around since 1989.</h3> <img src=”http://static4.businessinsider.com/image/5a31350a4aa6b527008b47e4-400-300/today-the-charging-bull-sculpture-is-one-of-the-most-visited-tourist-hotspots-in-new-york-and-the-world-but-its-only-been-around-since-1989.jpg” alt=”” /> <p><p><span>The sculpture began as a guerrilla art piece created by Italian artist Arturo Di Modica. </span></p> <p><span>Di Modica <a href=”http://www.nytimes.com/1989/12/16/nyregion/soho-gift-to-wall-st-a-3-1-2-ton-bronze-bull.html”>installed it in front of the New York Stock Exchange</a> using $360,000 of his own money in December 1989. It was placed under a 60-foot Christmas Tree as a kind of Christmas gift to the American people from the artist.</span></p> <p><span>He said the sculpture was in response to the 1987 stock market crash, calling it a symbol of the “strength and power of the American people.” He has also <a href=”http://chargingbull.com/chargingbull.html”>said it represents America and New York’s</a> “can-do spirit,” where anyone can become successful with hard work and determination.</span></p> <p> </p> <p> </p></p> <br/><br/><h3>But even at the time, there was some confusion over the sculpture’s meaning.</h3> <img src=”http://static6.businessinsider.com/image/5a31350a4aa6b509048b4765-400-300/but-even-at-the-time-there-was-some-confusion-over-the-sculptures-meaning.jpg” alt=”” /> <p><p>A New York Times article shortly after its installation called it “<a href=”http://www.nytimes.com/1989/12/16/nyregion/soho-gift-to-wall-st-a-3-1-2-ton-bronze-bull.html”>the image of a surging market in the lore of high finance</a>.”</p> <p>If you ask tourists today, most will tell you it symbolizes, America’s money, power, greed, or high finance.</p></p> <br/><br/><a href=”http://www.businessinsider.com/what-is-wall-street-charging-bull-new-york-city-2017-12#/#a-bull-is-traditionally-the-symbol-of-a-good-market-and-rising-prices-because-it-attacks-with-its-horns-upward-a-bear-is-a-symbol-of-a-bad-market-because-it-swipes-downward-when-it-attacks-4″>See the rest of the story at Business Insider</a> Harrison Jacobs/Business Insider http://www.businessinsider.com/stock-news-trader-chat-bitcoin-global-markets-december-14 http://www.businessinsider.com/stock-news-trader-chat-bitcoin-global-markets-december-14 Thu, 14 Dec 2017 09:14:00 -0500 Seth Archer <p><img src=”http://static3.businessinsider.com/image/57800e905124c9b029ef4620-800/divided-wall-st-clings-to-view-of-one-2016-rate-hike-after-jobs-data-poll-2016-7.jpg” alt=”Traders work on the floor of the New York Stock Exchange (NYSE) shortly after the opening bell in New York, U.S., July 6, 2016. REUTERS/Lucas Jackson” data-mce-source=”Thomson Reuters” data-mce-caption=”Traders work on the floor of the New York Stock Exchange (NYSE)” /></p><p></p> <p><strong>Dave Lutz, head of ETFs at JonesTrading, has an overview of today’s markets.</strong></p> <ul> <li><a href=”http://markets.businessinsider.com/economic-calendar?utm_source=markets&utm_medium=ingest#date=12/14/2017&name=&countries=us&eventtypes=&tab=1,2,3″>12 central banks meet today, including the Bank of England and European Central Bank.</a></li> <li><a href=”http://markets.businessinsider.com/economic-calendar?utm_source=markets&utm_medium=ingest#date=12/14/2017&name=&countries=us&eventtypes=&tab=1,2,3″>Retail sales results that include Black Friday will be released.</a></li> <li><a href=”http://markets.businessinsider.com/indices”>Global markets are mixed.</a></li> </ul> <p><strong>Here’s Lutz:</strong></p> <blockquote> <p>Morning! US Futures moving green a touch, but overnight Volumes very light as we await 12 Central Banks today! Swiss and Norway stayed unch ahead of the BoE (7amET) and ECB (<span data-term=”goog_696417599″>7:45</span>) decisions, while Turkey disappointed the Hawks. We are also Awaiting US retail Sales, which includes “Black<span> </span><span data-term=”goog_696417600″>Friday</span>” – UK Retail Sales well outperformed expectations. A wide sea of red in Europe, with Banks under pressure globally, following the “Dovish” FOMC Hike, which hit US Fins. DAX is down 60bp, while Tech under pressure in Europe as they await ECB “tightening”. London outperforming a bit, as a rally in Miners helps FTSE. In Asia, Nikkei off 30bp as Telecom hit on Rakuten’s headers – Hang Seng lost small – Shanghai off 30bp – KOSPI down 45bp as Options Expiry weighed – Aussie down 20bp – EM Asia, like Malaysia, Thailand and Indonesia, all loved the falling dollar.</p> <p>The US 10YY has recovered back towards 2.39% following the Dovish reaction yesterday, while there was a Slight bid in China’s 10Y as they tightened Monetary Policy. The Dollar trying to recover from the smack yesterday. Sterling getting legs over $1.34, despite Brexit Antics, as Strong UK retail sales extend the Fed rally, but the Euro off a touch despite Stronger Euro PMIs as we await the Draghi. Norway’s Krone jumped on a hawkish Statement, while Swissie fell as their Bank said the franc was “highly valued” – while Turkey’s Lira getting smoked. Gold adding nearly 1% and holding above $1250. Copper is up small despite Ore hit for 1.6% in China. Keep an eye on Oil. WTI and Brent falling thru 1week lows as IEA talks ramping US Shale Output.</p> </blockquote> <h2><a href=”http://markets.businessinsider.com/news/stocks/stock-market-news-opening-bell-december-14-2017-2017-12-1011381951″>Here are the 10 things you need to know today.</a></h2><p><strong>SEE ALSO: <a href=”http://markets.businessinsider.com/news/stocks/stock-market-news-opening-bell-december-14-2017-2017-12-1011381951″ >10 things you need to know before the opening bell</a></strong></p> <p><a href=”http://www.businessinsider.com/stock-news-trader-chat-bitcoin-global-markets-december-14#comments”>Join the conversation about this story »</a></p> <p>NOW WATCH: <a href=”http://www.businessinsider.com/fed-already-preparing-for-next-recession-2017-11″>The Fed is trying to prepare for the next recession without causing it</a></p> Thomson Reuters http://www.businessinsider.com/best-fast-food-tweet-was-wendys-nugget-teen-2017-12 http://www.businessinsider.com/best-fast-food-tweet-was-wendys-nugget-teen-2017-12 Thu, 14 Dec 2017 09:10:00 -0500 Kate Taylor <p><img src=”http://static2.businessinsider.com/image/58b7368ee46c151c008b4567-2103/undefined” alt=”Chicken Nuggets 4″ data-mce-source=”Hollis Johnson” /></p><p></p> <ul> <li><strong>Fast-food Twitter evolved into an art form in 2017. </strong></li> <li><strong>Many brands battled it out on social media, trying to outdo each other with snarky jabs. </strong></li> <li><strong>However, <a href=”http://markets.businessinsider.com/stock/WEN-Quote”>Wendy’s</a> rose above the rest — and beat out the competition with the most-retweeted tweet of all time. </strong></li> </ul> <hr /> <p> </p> <p>The brands were at it again in 2017. </p> <p>As fast-food Twitter has gotten weirder and weirder, this year was a beautiful one for those who just couldn’t get enough of their favorite chains saying bizarre things and getting into feuds. </p> <p>This was the year that Wendy’s ripped Carl’s Jr. to pieces with <a href=”http://www.businessinsider.com/wendys-destroys-carls-jr-on-twitter-2017-9″>a single, brutal tweet.</a> Denny’s got into a fight with a <a href=”http://www.businessinsider.com/dennys-is-feuding-with-diplo-twitter-parody-account-2017-8″>fake Diplo Twitter account run by James Van Der Beek,</a> an actor made famous by his starring role in “Dawson’s Creek.” <a href=”https://twitter.com/MoonPie”>MoonPies</a> — long a forgotten snack brand — quickly became my personal favorite food industry Twitter, with its bizarre, bittersweet musings. </p> <p><img src=”http://static6.businessinsider.com/image/5a318d52b0bcd51e008b4b76-635/screen shot 2017-12-13 at 32726 pm.png” alt=”Screen Shot 2017 12 13 at 3.27.26 PM” data-mce-source=”Twitter MoonPie” data-link=”https://twitter.com/MoonPie/status/924018109400403969″ /></p> <p>But, to say any brand other than Wendy’s reigns supreme in the Twittersphere would be a lie. </p> <p>The fast-food chain’s social media team turns out hit after hit. Missteps are rare (remember when <a href=”http://www.businessinsider.com/wendys-won-and-lost-a-twitter-troll-war-2017-1″>Wendy’s tweeted a Pepe</a> soon after the meme was declared a hate symbol?), and <a href=”http://www.businessinsider.com/this-wendys-hardees-twitter-fight-is-going-viral-2017-4″>virality is common</a>. </p> <p>And, while Wendy’s gave us plenty of options to pick from, no tweet carried quite as much weight as this simple reply to a simple question. </p> <p><img src=”http://static6.businessinsider.com/image/5a318f1c4aa6b5570a8b4a33-634/screen shot 2017-12-13 at 33506 pm.png” alt=”Screen Shot 2017 12 13 at 3.35.06 PM” data-mce-source=”Twitter https://twitter.com/wendys/status/849811960866758656?lang=en” /></p> <p>On April 5, high-school student Carter Wilkerson asked Wendy’s how many retweets he would need to get free chicken nuggets for a year. The fast-food chain replied that it would take 18 million retweets.</p> <p>Wilkerson’s tweet — “HELP ME PLEASE. A MAN NEEDS HIS NUGGS” — quickly went viral as people attempted to help the teen reach the seemingly impossible goal. </p> <p><a href=”http://www.businessinsider.com/wendys-nugget-teen-beats-retweet-record-2017-5″>In May, </a>Carter Wilkerson officially became the author of the tweet with the most retweets in Twitter history — more than 3.433 million — taking the crown from the previous record-holder, Ellen DeGeneres. As of December, the tweet has <a href=”http://www.businessinsider.com/wendys-nugget-teen-crowned-top-tweet-of-2017-2017-12″>passed the 3.6 million retweet mark.</a></p> <p>Wendy’s may have had more creative tweets, like when it started listing the <a href=”https://www.google.com/url?sa=t&rct=j&q=&esrc=s&source=web&cd=1&cad=rja&uact=8&ved=0ahUKEwiH55Cg7ofYAhWjdN8KHXl_Ax8QFggpMAA&url=http%3A%2F%2Fwww.indiewire.com%2F2017%2F12%2Fwendys-favorite-movies-2017-lady-bird-get-out-1201904592%2F&usg=AOvVaw13QUpuyGRoz3z8gv7gfORc”>best movies of 2017.</a> And, other Wendy’s tweets have resulted in better ad campaigns, as in the case of its <a href=”http://www.businessinsider.com/wendys-super-bowl-ad-stemmed-from-a-twitter-roast-2017-1″>Twitter roast-inspired Super Bowl ad.</a> But, when it comes to the sheer power of a single tweet, a simple reply of “18 million” carried more weight than one hundred snarky jokes. </p><p><strong>SEE ALSO: <a href=”http://www.businessinsider.com/dennys-is-feuding-with-diplo-twitter-parody-account-2017-8″ >Denny’s is feuding with ‘Dawson’s Creek’ star James Van Der Beek, who’s pretending to be a DJ on Twitter</a></strong></p> <p><a href=”http://www.businessinsider.com/best-fast-food-tweet-was-wendys-nugget-teen-2017-12#comments”>Join the conversation about this story »</a></p> <p>NOW WATCH: <a href=”http://www.businessinsider.com/chipotle-queso-nachos-vs-taco-bell-the-winner-is-clear-2017-12″>We compared Chipotle’s new queso to Taco Bell’s — and the winner was clear</a></p> Hollis Johnson http://www.businessinsider.com/nypd-rape-reports-increase-amid-sexual-misconduct-allegations-2017-12 http://www.businessinsider.com/nypd-rape-reports-increase-amid-sexual-misconduct-allegations-2017-12 Thu, 14 Dec 2017 09:07:00 -0500 Hilary Brueck <p><img src=”http://static5.businessinsider.com/image/564d0fd71123143b008b64ed-2400/ap270493021350.jpg” alt=”rape kit evidence forensic” data-mce-source=”AP Photo/Pat Sullivan” data-mce-caption=”An evidence bag from a sexual assault case in the biology lab at the Houston Forensic Science Center in Houston.” /></p><p></p> <ul> <li><strong>Reports of rape are on the rise in New York City.</strong></li> <li><strong>In November 2017, 111 rape cases were investigated in the city — a 15% increase from last year.</strong></li> <li><strong>Social scientists say the uptick could be a sign that the stigma around sexual assault is shifting from victims to harassers, as more women come forward.</strong></li> </ul> <hr /> <p> </p> <p>Famous movie <a href=”http://www.businessinsider.com/harvey-weinstein-scandal-what-are-penile-injections-why-used-2017-12″>moguls</a>, <a href=”http://www.businessinsider.com/spotted-pig-owner-ken-friedman-accused-of-sexual-harassment-2017-12″>restaurateurs</a>, Silicon Valley <a href=”http://www.businessinsider.com/sexual-harassment-scandals-tech-industry-2017-7″>executives,</a> and <a href=”http://www.businessinsider.com/congresswomen-tell-stories-of-sexual-harassment-and-grill-congress-2017-11″>sitting Congressmen</a> have all faced <a href=”http://www.businessinsider.com/powerful-men-accused-of-sexual-misconduct-after-harvey-weinstein-list-2017-10/#e-news-correspondent-ken-baker-18″>allegations of sexual misconduct</a> over the past several months. </p> <p>Men and women have come forward to accuse at least 36 powerful men of inappropriate and sometimes abusive behavior, including groping, forced kissing, and rape.</p> <p>A striking new report from the New York Police Department reveals that the movement to speak out about sexual misconduct has created a shift beyond the circles of influential elites.</p> <p>NYPD data from November 2017 reveals a sharp uptick in the number of rapes documented this year: incident rates jumped 15% from November 2016 to November 2017. The change is evident in the two maps below, which are generated based on reports filed to police.</p> <p>Here’s what rape reports looked like across the city in November 2016 — darker shading in a precinct indicates more rapes reported.</p> <p><img src=”http://static2.businessinsider.com/image/5a318834b0bcd5e3178b48fb-1361/nov 2016.png” alt=”nov 2016 rape reports nypd” data-mce-source=”City of New York” data-link=”https://maps.nyc.gov/crime/” /></p> <p>Here’s that same map in November 2017. Notice the darker shading across large swaths of Queens (bottom right), midtown Manhattan, and the Bronx, up top: </p> <p><img src=”http://static6.businessinsider.com/image/5a318f99b0bcd50f048b4b4e-1405/nov2017 arrowed.jpg” alt=”nov_2017 rape reports nypd arrowed” data-mce-source=”City of New York” data-link=”https://maps.nyc.gov/crime/” /></p> <p>Dermot Shea, NYPD’s chief of crime control strategies, said November is the third consecutive month of rising rape reports this year. While reports are down 2% overall in 2017, 111 cases were investigated in November 2017 — up from 96 cases in November 2016, Shea told the <a href=”http://www.nydailynews.com/new-york/rise-rape-reports-tied-celeb-sex-assault-scandals-nypd-article-1.3677123″>New York Daily News</a>. </p> <p>The rise probably does not mean that more rapes were committed — it’s long been known that a small portion of such crimes get reported, so the increase is likely due to more people coming forward.</p> <p>Police officers in New York are also learning more effective ways to investigate rapes that get reported. Instead of asking direct interrogation questions, like what a suspect’s eye color or race was, officers are being trained to ask victims more open-ended questions. They might lead by asking a victim to describe her experiences, or guide her through sensory questions, like what she might’ve felt or smelled when she was attacked. Such techniques have proven more successful for interviewing trauma survivors, as the <a href=”https://www.wsj.com/articles/questioning-sex-assault-victims-using-a-new-approach-gets-results-1512934428?mg=prod/accounts-wsj”>Wall Street Journal</a> reports. </p> <p>Social scientists think the reporting trends could be a sign that cultural norms are shifting.</p> <p>Allan Horowitz, a sociology professor at Rutgers who studies mental health, told Business Insider that in the past, women were reluctant to file complaints about sexual harassment because victims were often regarded as the “deviants” — not their attackers. </p> <p>”More women are publicly speaking about their harassment experiences, which both makes other victims more likely to come forward, and stigmatizes male harassers,” Horowitz said in an email.</p> <p>But others are still cautious about making conclusions based on the months-long trend.</p> <p>Mary Louise Adams, who studies gender and sexuality at Queen’s University in Canada, told Business Insider that the increase from “abysmally low” reporting rates is an improvement. Women might feel that they have a “slightly better chance of being listened to and believed,” she wrote in an email. But Adams pointed out that the shift is only incremental: women who report misconduct are still subject to harassment, ridicule and, attempted shaming. </p> <p>”When women start to feel like they are taken seriously and that they feel as empowered to report sexual assault as they might be to report other acts of non-sexual violence, then we can start talking about normal,” she said. </p><p><strong>SEE ALSO: <a href=”http://www.businessinsider.com/powerful-men-accused-of-sexual-misconduct-after-harvey-weinstein-list-2017-10/#e-news-correspondent-ken-baker-18″ >36 powerful men accused of sexual misconduct after Harvey Weinstein</a></strong></p> <p><a href=”http://www.businessinsider.com/nypd-rape-reports-increase-amid-sexual-misconduct-allegations-2017-12#comments”>Join the conversation about this story »</a></p> <p>NOW WATCH: <a href=”http://www.businessinsider.com/gretchen-carlson-more-sexual-harassment-cases-public-fox-news-2017-10″>Legislation is being introduced to close a legal loophole that prevents workplace sexual-harassment stories from going public</a></p> AP Photo/Pat Sullivan http://markets.businessinsider.com/news/stocks/fox-disney-stock-slipping-after-announcing-524-billion-deal-2017-12-1011397868 http://markets.businessinsider.com/news/stocks/fox-disney-stock-slipping-after-announcing-524-billion-deal-2017-12-1011397868 Thu, 14 Dec 2017 09:07:00 -0500 Seth Archer <p><img src=”http://static6.businessinsider.com/image/5a32818db0bcd535008b4df9-2400/455055917.jpg” alt=”Bob Iger” data-mce-source=”Getty ” /></p><p></p> <ul> <li><strong>Disney beat out other companies circling 21st Century Fox’s entertainment businesses, and will buy film and TV assets for more than $52 billion.</strong></li> <li><strong>Shares of both companies are slipping on the news.</strong></li> <li><strong>Watch <a href=”http://markets.businessinsider.com/stock/DIS-Quote”>Disney</a> and <a href=”http://markets.businessinsider.com/stock/FOXA-Quote”>Fox’s stock prices</a> move in real time here.</strong></li> </ul> <hr /> <p><br /><a href=”http://markets.businessinsider.com/stock/DIS-Quote”>Disney</a> announced its plan to buy <a href=”http://markets.businessinsider.com/stock/FOXA-Quote”>21st Century Fox’s film and TV assets</a> for $52.4 billion. Fox shareholders will receive 0.2745 shares of the new Disney and one share of the spun off broadcast company for each current share of Fox. </p> <p>Shares of Disney are down 0.72% at $106.84 and 21st Century Fox is weaker by 0.85% at $32.47 in early trading on Thursday.</p> <p><a href=”http://markets.businessinsider.com/news/stocks/fox-disney-tv-business-acquisition-2017-12-1011384046″>Disney agreed to buy many of Fox’s entertainment assets,</a> including the film studio and a large chunk of the television properties. It leaves behind the broadcasting network and stations including Fox News and Fox sports channels, which will be spun off into a newly listed company immediately prior to Disney’s acquisition.</p> <p>Disney said it will buy back $10 billion of stock to help stymie the dilution from the new Fox shareholders.</p> <p>The deal is now pending regulatory approval, which isn’t guaranteed as <a href=”http://www.businessinsider.com/att-time-warner-antitrust-lawsuit-department-of-justice-regulators-2017-11″>AT&T’s $84.5 billion acquisition of Time Warner</a> hit an unexpected roadblock from the US Department of Justice earlier this year.</p> <p>Disney is up 0.44% this year while 21st Century Fox is up 12.81%.</p> <h2><a href=”http://markets.businessinsider.com/news/stocks/fox-disney-tv-business-acquisition-2017-12-1011384046″>Read more about the deal here.</a></h2> <p><a href=”http://markets.businessinsider.com/stock/FOXA-Quote”><img src=”http://static3.businessinsider.com/image/5a3281b24aa6b5bc198b4ae0-864/screen shot 2017-12-14 at 85013 am.jpg” alt=”fox share price” data-mce-source=”Markets Insider” data-link=”http://markets.businessinsider.com/stock/FOXA-Quote” /></a></p><p><strong>SEE ALSO: <a href=”http://markets.businessinsider.com/news/stocks/fox-disney-tv-business-acquisition-2017-12-1011384046″ >IT’S OFFICIAL: Disney will buy 21st Century Fox film and TV assets for $52.4 billion</a></strong></p> <p><a href=”http://markets.businessinsider.com/news/stocks/fox-disney-stock-slipping-after-announcing-524-billion-deal-2017-12-1011397868#comments”>Join the conversation about this story »</a></p> <p>NOW WATCH: <a href=”http://www.businessinsider.com/this-is-why-you-should-be-buying-gold-2017-11″>This is why you should be buying gold</a></p> Getty http://www.businessinsider.com/the-iot-platforms-report-how-software-is-helping-the-internet-of-things-evolve-2017-1 http://www.businessinsider.com/the-iot-platforms-report-how-software-is-helping-the-internet-of-things-evolve-2017-1 Thu, 14 Dec 2017 09:05:00 -0500 Peter Newman <p><img style=”float:right;” src=”http://static1.businessinsider.com/image/588b4fb9475752ee018b4d73-2356″ alt=”IoT Platforms Market Size” data-mce-source=”BI Intelligence” /></p><p><em>This is a preview of a research report from BI Intelligence, Business Insider’s premium research service. To learn more about BI Intelligence, <a href=”http://www.businessinsider.com/intelligence/bi-intelligence-iot-research-bundle?IR=T&utm_source=businessinsider&utm_medium=report_teaser&utm_term=report_teaser_subscription_text_link_the-iot-platforms-report-how-software-is-helping-the-internet-of-things-evolve-2017-1&utm_content=subscription_report_teaser_text_link&utm_campaign=report_teaser_subscription_link&vertical=iot”>click here</a>.</em></p> <p>The Internet of Things (IoT) is growing rapidly as companies around the world connect thousands of devices every day. But behind those devices, there’s a sector worth hundreds of billions of dollars supporting the IoT. </p> <p>Platforms are the glue that holds the IoT together, allowing users to take full advantage of the disruptive potential of connected devices. These platforms allow the IoT to achieve its transformational potential, letting businesses manage devices, analyze data, and automate the workflow.</p> <p>In a new report, BI Intelligence examines the evolving IoT platform ecosystem. We size the market and identify the primary growth drivers that will power the IoT platform space in the next five years. And we profile many of the top IoT platforms, discussing key trends in the platform industry like platform consolidation. </p> <p><em><strong>Here are some of the key takeaways:</strong></em></p> <ul> <li>The IoT platforms market is set to expand rapidly in the years to come, with current leading platforms expanding and others entering the space.</li> <li>We define the key categories into which IoT platforms fall: building block open platforms, closed high-end platforms, and product management platforms.</li> <li>We highlight the ways platforms can help companies reach the full five stage potential of the IoT.</li> </ul> <p><em><strong>In full, the report:</strong></em></p> <ul> <li>Explains the coming growth of the IoT platforms.</li> <li>Profiles a number of leading platforms.</li> <li>Highlights the central role platforms play in the IoT.</li> <li>Looks to the future of the IoT platforms market.</li> </ul> <p><em>Interested in getting the full report? Here are two ways to access it:</em></p> <ol> <li>Subscribe to an <strong><em>All-Access</em></strong> pass to BI Intelligence and gain immediate access to this report and over 100 other expertly researched reports. As an added bonus, you’ll also gain access to all future reports and daily newsletters to ensure you stay ahead of the curve and benefit personally and professionally. >> <strong><a href=”http://www.businessinsider.com/intelligence/bi-intelligence-iot-research-bundle?IR=T&utm_source=businessinsider&utm_medium=report_teaser&utm_term=report_teaser_subscription_text_link_the-iot-platforms-report-how-software-is-helping-the-internet-of-things-evolve-2017-1&utm_content=subscription_report_teaser_text_link&utm_campaign=report_teaser_subscription_link&vertical=iot”>Learn More Now</a></strong></li> <li>Purchase & download the full report from our research store. >> <strong><a href=”https://www.businessinsider.com/intelligence/research-store/?IR=T&utm_source=businessinsider&utm_medium=report_teaser&utm_term=report_teaser_store_text_link_the-iot-platforms-report-how-software-is-helping-the-internet-of-things-evolve-2017-1&utm_content=report_store_report_teaser_text_link&utm_campaign=report_teaser_store_link&vertical=IoT#!/The-IoT-Platforms-Report/p/79018048″>Purchase & Download Now</a></strong></li> </ol><p><a href=”http://www.businessinsider.com/the-iot-platforms-report-how-software-is-helping-the-internet-of-things-evolve-2017-1#comments”>Join the conversation about this story »</a></p> BI Intelligence http://www.businessinsider.com/why-you-should-stop-using-toothpicks-2017-12 http://www.businessinsider.com/why-you-should-stop-using-toothpicks-2017-12 Thu, 14 Dec 2017 09:04:55 -0500 Nathaniel Lee and Jessica Orwig <p>The toothpick is the oldest dental cleaning tool around. Fossils of 7,500-year-old teeth indicate that humans were using wooden sticks to clean their teeth well before the advent of toothbrushes. But today, there are better, safer options for removing pesky plaque and bacteria. Dentist and spokesperson with the<span> <a href=”http://www.ada.org/en”>American Dental Association</a> </span><a href=”https://dcperiodontist.com/”>Dr. Sally Cram</a> explains why toothpicks may not be the best option. Following is a transcript of the video.</p> <p><strong>Sally Cram:</strong> The best analogy I give patients is, “Would you take a stick and poke it into your arm?” You wouldn’t right? So why would you poke a stick into your gum? Toothpicks are okay for pushing out big chunks of food between your teeth. But in general, they don’t take the place of floss or using some sort of interdental cleaner.</p> <p>You know, they’re wood, they’re sharp. I’ve had patients who have used toothpicks and gotten splinters in their gums and infections. So, also think about it, you know, your job when you’re cleaning between your teeth with floss and when you’re brushing your teeth is basically you’re trying to get down under that little collar of gum tissue and remove the plaque and bacteria. That toothpick is a stiff stick, so to get down under the gum, you’re going to irritate or possibly damage the gum and probably not be very successful.</p> <p>So, I tell my patients the better thing to use in between teeth rather than a toothpick are, there are things that you can get on the market, floss picks or soft picks. They’re a little plastic stick but they have a little rubber tip end on them that’s much kinder, gentler, more flexible… will be able to get down under the gum, remove the plaque but not damage the gum tissue.</p><p><a href=”http://www.businessinsider.com/why-you-should-stop-using-toothpicks-2017-12#comments”>Join the conversation about this story »</a></p> http://www.businessinsider.com/losing-weight-can-affect-sex-drive-2017-12 http://www.businessinsider.com/losing-weight-can-affect-sex-drive-2017-12 Thu, 14 Dec 2017 09:01:44 -0500 Sara Lindberg <p><span style=”font-weight: 400;”><img src=”http://static6.businessinsider.com/image/5a0f61b17101ad177605fe44-1141/bridget jones diary.jpg” alt=”bridget jones diary” data-mce-source=”Universal Pictures” /></span></p> <ul> <li style=”font-weight: 400;”><strong>Weight loss can lead to an increase in sexual desire for women.</strong></li> <li style=”font-weight: 400;”><strong>Men with erectile dysfunction can experience an increase in sexual performance after losing weight.</strong></li> <li style=”font-weight: 400;”><strong>But it can also come down to an increased confidence because of a healthy lifestyle. </strong></li> </ul> <hr /> <p><span style=”font-weight: 400;”>Your body can go through a lot of changes when you lose weight. The scale is moving down and y</span><span style=”font-weight: 400;”>ou may have</span><a href=”https://www.cdc.gov/healthyweight/losing_weight/index.html” target=”_blank” rel=”noopener”><span style=”font-weight: 400;”> more energy, feel happier, and even have more confidence</span></a><span style=”font-weight: 400;”>. To top it off, your sex drive may have even suddenly kicked into action. </span></p> <p><span style=”font-weight: 400;”>Could a change in your weight have something to do with this newfound sexual desire? INSIDER spoke to <a href=”http://kristenlilla.com” target=”_blank” rel=”noopener”>Kristen Lilla</a>, certified sex therapist and licensed social worker, </span>to find out if there is in fact a connection between the two. </p> <h2><strong>Do those extra pounds really make a difference?</strong></h2> <p><span style=”font-weight: 400;”>Certain</span><a href=”https://www.webmd.com/sex-relationships/features/sex-and-weight” target=”_blank” rel=”noopener”> <span style=”font-weight: 400;”>physical conditions</span></a><span style=”font-weight: 400;”> that go along with obesity can affect sex drive, dampening the desires of many of those who are overweight, according to WebMD. For example, </span><span style=”font-weight: 400;”>Lilla noted</span><span style=”font-weight: 400;”> that things like high cholesterol and BMI can have an impact. </span></p> <p><span style=”font-weight: 400;”>High cholesterol causes plaque to build up in your blood vessels, which then <a href=”https://www.webmd.com/erectile-dysfunction/guide/atherosclerosis-and-erectile-dysfunction” target=”_blank” rel=”noopener”>slows blood flow to your genitals </a>making it more difficult to get aroused, have an orgasm, or obtain an erection. Similarly, <a href=”https://www.ncbi.nlm.nih.gov/pubmed/24625910″ target=”_blank” rel=”noopener”>a high body mass index (BMI) can also lower testosterone levels</a>, the hormone often known for creating a person’s “sex drive.” </span></p> <p><span style=”font-weight: 400;”>Being may also have an effect on penis size. </span></p> <p><span style=”font-weight: 400;”>”Being overweight decreases penis size due to the skin/fat forming where the base of the penis is,” said Lilla. </span><span style=”font-weight: 400;”>”So while losing weight doesn’t actually increase penis size, it does allow more of the penis to be visible and be used because it’s not hiding under a pad of skin.” </span></p> <p><span style=”font-weight: 400;”><img src=”http://static3.businessinsider.com/image/5a21d8cf7101ad54632a974d-1600/couple kissing love.jpg” alt=”couple kissing love” data-mce-source=”Henri Meilhac/Unsplash” /></span></p> <h2><strong>What exactly happens when you lose weight?</strong></h2> <p><span style=”font-weight: 400;”>When you consider that </span><a href=”https://www.cdc.gov/obesity/data/adult.html”><span style=”font-weight: 400;”>more than one-third </span></a><span style=”font-weight: 400;”><a href=”https://www.cdc.gov/obesity/data/adult.html”>of Americans are obese</a>, it makes sense that there are a number of studies being done on the correlation between weight and sex drive. </span></p> <p><span style=”font-weight: 400;”>A </span><span style=”font-weight: 400;”>2012 Penn State study</span> <span style=”font-weight: 400;”>focusing on infertility found that <a href=”https://www.sciencedaily.com/releases/2012/10/121018102738.htm”>women who lost weight experienced improved sexual function</a>. Many saw a notable change in sexual desire and arousal. </span></p> <p><span style=”font-weight: 400;”>And people who identify as men can also benefit sexually rom shedding a few pounds. One</span> <span style=”font-weight: 400;”>study</span><span style=”font-weight: 400;”> claimed that one-third of obese <a href=”https://www.ncbi.nlm.nih.gov/pmc/articles/PMC1479584/”>men with erectile dysfunction were able to cure</a> their performance problem by making lifestyle changes and losing weight. </span></p> <p><span style=”font-weight: 400;”>Another</span> <span style=”font-weight: 400;”>study</span><span style=”font-weight: 400;”> claimed that exercise, combined with healthier eating, may <a href=”https://www.eurekalert.org/pub_releases/2012-06/tes-omc062412.php”>help men avoid low testosterone</a>. </span></p> <h2><strong>Ultimately, the mind-body connection is a major factor. </strong></h2> <p><span style=”font-weight: 400;”>Let’s face it, you can only look at yourself in the mirror so many times before the novelty of your new lifestyle wears off. </span><span style=”font-weight: 400;”>What seems to stand the test of time though, is how you feel about yourself. You know — that internal voice that takes up residence in your head, and the way that you see yourself. If your weight change has impacted that message in a positive way, then you’ll most likely feel better about how you look. </span></p> <p><span style=”font-weight: 400;”>Of course, people of all sizes and shapes can have healthy and exciting sex lives. That’s why how you see yourself is so important. It’s imperative that you are happy with what you see in the mirror for many reasons but also because <a href=”https://www.huffingtonpost.com/dr-terri-orbuch/a-hidden-reason-for-low-s_b_837530.html” target=”_blank” rel=”noopener”>i</a></span><a href=”https://www.huffingtonpost.com/dr-terri-orbuch/a-hidden-reason-for-low-s_b_837530.html” target=”_blank” rel=”noopener”>ncreased confidence will likely mean better sex for you and your partner</a>. If you’re happy with your body it will show in many aspects of your life; including the bedroom. </p> <p>Sign up here<a href=”http://e.businessinsider.com/join/insider-social-first”><span></span></a><em> to get INSIDER’s favorite stories straight to your inbox.</em></p><p><a href=”http://www.businessinsider.com/losing-weight-can-affect-sex-drive-2017-12#comments”>Join the conversation about this story »</a></p> <p>NOW WATCH: <a href=”http://www.businessinsider.com/side-effects-brain-body-drugs-adderall-recreationally-adhd-pill-2017-2″>What happens to your brain and body if you use Adderall recreationally</a></p> Universal Pictures http://www.businessinsider.com/will-fed-rate-hike-impact-banks-loans-credit-cards-lending-rate-2017-12 http://www.businessinsider.com/will-fed-rate-hike-impact-banks-loans-credit-cards-lending-rate-2017-12 Thu, 14 Dec 2017 08:53:00 -0500 Bob Bryan <p><strong><img src=”http://static2.businessinsider.com/image/5852965aca7f0c8c018b5cf2-1334/screen shot 2015-10-09 at 101549 am.png” alt=”Bernanke” data-mce-source=”CBS/ &quotThe Late Show&quot” data-link=”http://www.cbs.com/shows/the-late-show-with-stephen-colbert/video/FToLlnVhrnhpHjWHxRUeXlM7Ktn1cPhn/the-late-show-10-7-2015-gina-rodriguez-ben-bernanke-tame-impala-/” /></strong></p> <ul> <li><strong>The Federal Reserve hiked interest rates to a range of 1.25% to 1.5% on Wednesday.</strong></li> <li><strong>In response, banks across the US raised their prime lending rate to 4.5% from 4.25%.</strong></li> <li><strong>This will impact the rates for credit cards and other nonmortgage loans.</strong></li> </ul> <hr /> <p><br />The<span> </span><a href=”http://www.businessinsider.com/federal-reserve-statement-on-interest-rates-december-2017-12″>Federal Reserve on Wednesday lifted its fed funds rate</a><span> </span>by 25 basis points to a range of 1.25% to 1.5%. It marked the fifth interest-rate hike since the financial crisis and likely the last of Fed Chair Janet Yellen’s tenure.</p> <p>While the rate hike will have a long-term impact on the economy, there is another impact that will hit your wallet almost immediately.</p> <p>Most simply, the fed funds rate determines the interest rate at which banks borrow short-term money.</p> <p>Increases are<span> </span><a href=”http://www.businessinsider.com/how-the-fed-raises-interest-rates-2017-12″>passed on to other borrowers</a>, mostly consumers, through higher rates on things like credit-card debt.</p> <p>This debt is based on the banks’ prime loan rate, the interest rate used as a starting point for nonmortgage loans.</p> <div data-bi-ad=”” data-ad-container=”” data-adunit=”desktop/finance/moneygame/post” data-authors=”bob-bryan” data-pagetype=”post” data-region=”Desktop In Post Ad” data-responsive=”[[[1240,0],[[728,90],[800,100],[800,480],[550,300],"fluid"]],[[0,0],[[300,250],[600,100],[550,300],"fluid"]]]” data-sizes=”300×250,550×300,600×100,728×90,800×100,800×480,fluid” data-tag=”federal-reserve,interest-rate” data-url=”/federal-reserve-interest-rate-hike-impact-credit-cards-lending-rate-2017-6″ data-views=”10001-500000″ id=”ad-1002c90c-ffb4-4685-9ac1-32d29c857a2f” data-google-query-id=”CIvi-f_OidgCFcyhswod83oLNQ”> <div id=”google_ads_iframe_/4442842/desktop/finance/moneygame/post_1__container__”><span style=”color: #222222;”>The Fed’s decision to raise the fed funds rate had an immediate impact on these rates Wednesday, sending them to 4.5% from 4.25%, mirroring the magnitude of the Fed’s increase.</span></div> </div> <p>And so after what seemed like an arcane and abstract policy change from the Fed on Wednesday, this is the impact that may matter to those who don’t follow the news as closely as they follow their credit-card bill.</p> <p>Here’s the quick rundown of the changes to prime loan rates — all to 4.5% from 4.25% — announced at major US banks so far:</p> <ul> <li><a href=”https://newsroom.wf.com/press-release/corporate-and-financial/wells-fargo-bank-increases-prime-rate-450-percent”>Wells Fargo</a></li> <li><a href=”http://investor.key.com/file/Index?KeyFile=391449010″>KeyCorp</a></li> <li><a href=”http://www.citigroup.com/citi/news/2017/171213a.htm”>Citibank</a></li> <li><a href=”https://www.jpmorganchase.com/corporate/About-JPMC/historical-prime-rate.htm”>JPMorgan Chase</a></li> <li><a href=”http://newsroom.bankofamerica.com/press-kit/prime-rate-information”>Bank of America</a></li> <li><a href=”https://newsroom.mtb.com/press-releases/mt-increases-prime-rate.htm”>M&T Bank</a></li> <li><a href=”http://phx.corporate-ir.net/phoenix.zhtml?c=107246&p=irol-newsArticle&ID=2322633″>PNC Bank</a></li> <li><a href=”http://phx.corporate-ir.net/phoenix.zhtml?c=117565&p=irol-newsArticle&ID=2322641″>US Bancorp</a></li> <li><a href=”http://ir.regions.com/releasedetail.cfm?ReleaseID=1051736″>Regions Bank</a></li> <li><a href=”http://newsroom.suntrust.com/2017-12-13-SunTrust-Bank-Increases-Prime-Rate”>SunTrust</a></li> <li><a href=”https://bbt.mediaroom.com/2017-12-13-BB-T-increases-prime-lending-rate”>BB&T</a></li> <li><a href=”http://phx.corporate-ir.net/phoenix.zhtml?c=73114&p=irol-newsArticle_Print&ID=2322643″>Webster Bank</a></li> <li><a href=”http://investor.citizensbank.com/about-us/newsroom/latest-news/2017/2017-12-13.aspx”>Citizens Financial</a></li> <li><a href=”https://newsroom.bmoharris.com/2017-12-13-BMO-Harris-Bank-Increases-US-Prime-Lending-Rate-to-4-50-Percent”>BMO Harris Bank</a></li> </ul><p><strong>SEE ALSO: <a href=”http://www.businessinsider.com/trump-gop-tax-reform-bill-details-corporate-tax-rate-brackets-2017-12″ >Republicans have a final deal on their tax bill — here’s what’s in it</a></strong></p> <p><a href=”http://www.businessinsider.com/will-fed-rate-hike-impact-banks-loans-credit-cards-lending-rate-2017-12#comments”>Join the conversation about this story »</a></p> <p>NOW WATCH: <a href=”http://www.businessinsider.com/tax-reform-pgim-fixed-income-investment-officer-2017-11″>A senior investment officer at a $695 billion firm breaks down tax reform</a></p> CBS/ “The Late Show” http://www.businessinsider.com/christmas-tree-new-york-city-2017-12 http://www.businessinsider.com/christmas-tree-new-york-city-2017-12 Thu, 14 Dec 2017 08:51:00 -0500 Áine Cain and Sarah Jacobs <p><img src=”http://static3.businessinsider.com/image/5a31551f4aa6b5f7188b469d-1778/christmas-tree-nyc-0050.jpg” alt=”Christmas Tree vendors, new york city” data-mce-source=”Sarah Jacobs/Business Insider” data-link=”https://sarahjacobs.photoshelter.com/index” /></p><p></p> <p style=”padding-left: 30px;”><strong>• Christmas tree vendors always pop up around New York City after Thanksgiving.</strong></p> <p style=”padding-left: 30px;”><strong>• The Gilmartins are an Alaskan family who spend the holidays selling evergreens in Manhattan, and have for 21 years.</strong></p> <p style=”padding-left: 30px;”><strong>• They sleep in a camper and shower at a nearby hostel, taking 12-hour shifts to sell trees around the clock.</strong></p> <hr /> <p><br />’Tis the season in New York City, which means miniature evergreen forests have sprouted up every few blocks. The Christmas tree-sellers have come to town.</p> <p>Despite <a href=”https://www.theatlantic.com/business/archive/2017/12/christmas-trees-more-expensive-shortage/548153/” target=”_blank” rel=”noopener”>an ongoing coniferous tree shortage</a>, vendors have come from all around North America to make some extra cash and brave the crowds and the cold. <a href=”https://www.newsday.com/news/new-york/christmas-tree-clause-brings-vendors-to-new-york-city-1.11221122″ target=”_blank” rel=”noopener”>Newsday reported</a> the market is open to practically anyone — you don’t need a license to sell Christmas trees on the city sidewalks.</p> <p>Business Insider spoke with the Gilmartins, an Alaskan family running a stand on 22nd Street and Ninth Avenue.</p> <p>Back in 2015, <a href=”http://www.businessinsider.com/ap-peddlers-flock-to-new-york-city-for-coniferous-tree-season-2015-12″ target=”_blank” rel=”noopener”>AP reported</a> they sell about 500 trees a season, earning around $14 an hour.</p> <p>Married couple Tom and Michele have sold trees in Manhattan for 21 years, and their son Rory has accompanied them on the journey since he was a baby.</p> <p>”What an adventure, right?” Tom told Business Insider. “We feel like we’re part of this place, for sure.”</p> <p>Here’s what it’s like to sell Christmas trees on the streets of New York City:</p><p><strong>SEE ALSO: <a href=”http://www.businessinsider.com/why-people-write-xmas-instead-of-christmas-2017-12″ >What the biggest ‘War on Christmas’ controversy gets wrong about history</a></strong></p> <h3>The couple hails from Nikiski, Alaska. Both work in the commercial fishing industry. Tom caught the Christmas tree bug from his sister, who sold trees in Manhattan for 30 years.</h3> <img src=”http://static3.businessinsider.com/image/5a285603f914c357018b8618-400-300/the-couple-hails-from-nikiski-alaska-both-work-in-the-commercial-fishing-industry-tom-caught-the-christmas-tree-bug-from-his-sister-who-sold-trees-in-manhattan-for-30-years.jpg” alt=”” /> <br/><br/><h3>Tom said there was a lull in business at the fisheries at the time. “There was nothing to do,” Tom said. The couple had a rough time during their first year, but they just kept coming back and got used to the work.</h3> <img src=”http://static4.businessinsider.com/image/5a25d78d3dbef4cc1d8b9d76-400-300/tom-said-there-was-a-lull-in-business-at-the-fisheries-at-the-time-there-was-nothing-to-do-tom-said-the-couple-had-a-rough-time-during-their-first-year-but-they-just-kept-coming-back-and-got-used-to-the-work.jpg” alt=”” /> <br/><br/><h3>When Rory was little, Michele would carry him on her back or put him in a baby swing attached to the stand. He grew up playing in the stacks of trees — climbing up on the pile or crawling between the rows.</h3> <img src=”http://static4.businessinsider.com/image/5a25d78df914c351018b7d39-400-300/when-rory-was-little-michele-would-carry-him-on-her-back-or-put-him-in-a-baby-swing-attached-to-the-stand-he-grew-up-playing-in-the-stacks-of-trees-climbing-up-on-the-pile-or-crawling-between-the-rows.jpg” alt=”” /> <br/><br/><a href=”http://www.businessinsider.com/christmas-tree-new-york-city-2017-12#/#now-selling-trees-is-like-an-annual-holiday-tradition-for-the-gilmartins-the-family-flies-into-philadelphia-from-alaska-from-there-they-head-down-to-their-house-in-southern-new-jersey-where-they-store-a-camper-with-a-giant-santa-claus-perched-atop-it-4″>See the rest of the story at Business Insider</a> Sarah Jacobs/Business Insider http://www.businessinsider.com/best-fast-food-chains-to-work-for-in-2018-2017-12 http://www.businessinsider.com/best-fast-food-chains-to-work-for-in-2018-2017-12 Thu, 14 Dec 2017 08:46:00 -0500 Rachel Gillett <p><img style=”float:right;” src=”http://static1.businessinsider.com/image/5a2834713dbef482008ba649-1732/in-n-out employee.jpg” alt=”In N Out employee” data-mce-source=”Tommaso Boddi/Getty” /></p><p>Fast food joints have a bad reputation as places to work — they pay next to nothing, offer virtually no perks or benefits, and are just soulless corporations looking to squeeze every last dime out of their workers, right?</p> <p>Well, try telling that to Lynsi Snyder, the owner and president of In-N-Out, which is considered by employees to be <a href=”http://www.businessinsider.com/best-places-to-work-2018-2017-12/#4-in-n-out-burger-47″>the No. 4 best place to work in the US</a>.</p> <p><span>”My hope is that anyone who spends time as an In-N-Out associate finds the experience valuable — an opportunity to learn and grow, and to have fun,” <a href=”http://www.businessinsider.com/heiress-to-in-n-out-opens-up-about-how-she-made-great-place-work-2017-12″>Snyder told Glassdoor</a>.</span></p> <p>Glassdoor recently released its <a href=”https://www.glassdoor.com/Award/Best-Places-to-Work-LST_KQ0,19.htm”>Best Places to Work in 2018 list</a>, which featured <a href=”http://www.businessinsider.com/heiress-to-in-n-out-opens-up-about-how-she-made-great-place-work-2017-12″>In-N-Out Burger</a>, Chick-fil-A, and Starbucks among the top 100.</p> <p>But thousands of companies across many industries are considered for that list, so we asked Glassdoor for additional data on fast-food companies that were just outside the top 100.</p> <p>Here’s what they found, using <a href=”http://www.businessinsider.com/best-places-to-work-2018-2017-12″>their Best Places to Work methodology</a>, to identify the best fast-food chains to work for:</p><p><strong>SEE ALSO: <a href=”http://www.businessinsider.com/best-places-to-work-2018-2017-12″ >The 50 best places to work in 2018, according to employees</a></strong></p> <p><strong>DON’T MISS: <a href=”http://www.businessinsider.com/heiress-to-in-n-out-opens-up-about-how-she-made-great-place-work-2017-12″ >The reclusive In-N-Out heiress opens up about how she made a fast-food chain one of America’s best places to work</a></strong></p> <h3>6. Culver’s</h3> <img src=”http://static5.businessinsider.com/image/5a3188a74aa6b5b51a8b48b3-400-300/6-culvers.jpg” alt=”” /> <p><p><span><strong>Company rating: </strong>4.0</span></p> <p><span>Culver’s is a regional, privately-owned and -operated fast-food chain that operates primarily in the Midwest and is known for their ButterBurgers, Fresh Frozen Custard, and Wisconsin Cheese Curds.</span></p> <p><span>”</span>Most managers make an effort to be considerate and thoughtful, and the company chain as a whole keeps you updated as to how it is doing. My location had a friendly work environment and a serious attitude towards customer service.” — <a href=”https://www.glassdoor.com/Reviews/Culver-s-Reviews-E15892.htm”>Team member</a> in Eau Claire, Wisconsin</p> <p> </p></p> <br/><br/><h3>5. Whataburger</h3> <img src=”http://static4.businessinsider.com/image/5a318acb4aa6b51d008b4b64-400-300/5-whataburger.jpg” alt=”” /> <p><p><span><strong>Company rating: </strong>4.0</span></p> <p><span>Whataburger is a regional, family-owned hamburger chain with nearly 700 outlets in Texas and about 10 other states in the South and Southwest. </span></p> <p><span>”The atmosphere is very positive. Whataburger believes when you start working for their company you are like family. It really shows they care for their employees as well as their customers. It’s a great place to be in general, plus they have great food.” — <a href=”https://www.glassdoor.com/Reviews/Whataburger-Reviews-E3438.htm”>Whataburger team member</a></span></p> <p> </p></p> <br/><br/><h3>4. Raising Cane’s</h3> <img src=”http://static3.businessinsider.com/image/5a318da8b0bcd58c028b4bd5-400-300/4-raising-canes.jpg” alt=”” /> <p><p><span><strong>Company rating: </strong>4.1</span></p> <p><span>Based out of Baton Rouge, Louisiana, Raising Cane’s is a fast-food chain with more than 300 restaurants in 22 states serving up chicken finger meals.</span></p> <p><span>”</span>Good pay and benefits, and they’re closed all major holidays. Opportunities for growth. The restaurant is fun, not like other places I have worked.” — <a href=”https://www.glassdoor.com/Reviews/Raising-Cane-s-Reviews-E134590.htm”>Shift Manager</a> in Houston, Texas</p></p> <br/><br/><a href=”http://www.businessinsider.com/best-fast-food-chains-to-work-for-in-2018-2017-12#/#3-starbucks-4″>See the rest of the story at Business Insider</a> Tommaso Boddi/Getty http://www.businessinsider.com/fcc-net-neutrality-vote-how-to-watch-live-2017-12 http://www.businessinsider.com/fcc-net-neutrality-vote-how-to-watch-live-2017-12 Thu, 14 Dec 2017 08:42:14 -0500 James Cook and Steve Kovach <p><img style=”float:right;” src=”http://static3.businessinsider.com/image/591db62b34911b1a008b4946-1599/gettyimages-679314964.jpg” alt=”Ajit Pai” data-mce-source=”Chip Somodevilla/Getty Images” /></p><p>The FCC will vote on Thursday on <a href=”http://uk.businessinsider.com/fcc-to-vote-on-net-neutrality-repeal-2017-12″>whether to repeal net neutrality rules that were put in place in 2015</a>.</p> <p>The vote will be livestreamed on the FCC website starting from 10.30 a.m. ET. With Republicans who oppose those rules in control of the commission, the proposal is basically guaranteed to pass.</p> <p><strong><a href=”https://www.fcc.gov/general/live”>You can watch the vote live here.</a></strong></p> <p>Business Insider will be attending the vote and will have full coverage from 10.30 a.m. ET.</p> <p>Net neutrality is the principle that all traffic on the internet should be treated equally. Under net neutrality protections, internet service providers are barred from blocking, slowing, or providing preferred treatment to particular sites and services. The rules are designed to keep the internet open to all comers and give everyone a fair shot.</p> <p>But the latest proposal from the FCC would reverse the designation of broadband providers as telecommunications companies and do away with the three major net neutrality prohibitions. Under the new proposal, companies would be able to block, slow, or provide fast lanes to particular sites or services.</p><p><strong>SEE ALSO: <a href=”http://uk.businessinsider.com/fcc-to-vote-on-net-neutrality-repeal-2017-12″ >The FCC is expected to repeal net neutrality on Thursday — here’s what that means for you</a></strong></p> <p><a href=”http://www.businessinsider.com/fcc-net-neutrality-vote-how-to-watch-live-2017-12#comments”>Join the conversation about this story »</a></p> <p>NOW WATCH: <a href=”http://www.businessinsider.com/difference-between-splenda-equal-sweetn-low-sugar-2016-11″>The differences that matter between Splenda, Equal, Sweet’N Low, and sugar</a></p> Chip Somodevilla/Getty Images http://www.businessinsider.com/buy-new-car-before-trump-tax-plan-passes-2017-12 http://www.businessinsider.com/buy-new-car-before-trump-tax-plan-passes-2017-12 Thu, 14 Dec 2017 08:39:00 -0500 Elena Holodny <p><img src=”http://static3.businessinsider.com/image/55d731c6bd86ef0e008b4e7a-1300/car-salesmen-dealership.jpg” alt=”car salesmen dealership” data-mce-source=”Joe Raedle / Getty Images” /></p><p></p> <ul> <li><strong>Republicans reached an agreement on their final tax bill on Wednesday, making it more likely the tax-reform bill will be passed before the end of the year.</strong></li> <li><strong>But taxpayers can take advantage of some deductions this year, before they are limited or eliminated.</strong></li> <li><strong>If you have been planning to buy a car, it might be smart to do it before December 31 so you can deduct the sales tax you pay.</strong></li> </ul> <hr /> <p> </p> <p>Republican leaders <a href=”http://www.businessinsider.com/trump-gop-tax-reform-bill-details-corporate-tax-rate-brackets-2017-12″>on Wednesday</a> reached an agreement on their final tax bill.</p> <p>And now it’s starting to look like President Donald Trump’s tax plan might actually be passed before the end of the year.</p> <p>In case it does, there are some tax moves you can make now to <a href=”http://www.businessinsider.com/last-minute-tax-moves-before-trumps-tax-plan-takes-effect-2017-12″>prepare for the looming changes</a>. Republicans have proposed capping the property tax, state and local income tax, and sales tax deduction to a total of $10,000. So, <a href=”http://www.businessinsider.com/prepay-property-taxes-before-trump-tax-plan-passes-2017-12″>prepaying next year’s property taxes</a> before the end of 2017 could save some taxpayers significant cash.</p> <p>There’s another interesting tax-hack that many people might not know: if you’re planning buy a car soon, do it before December 31.</p> <p>Purchasing a car this December might be a smart idea for taxpayers in states with no state income taxes who itemize and claim the sales tax deduction, according to TaxAudit.</p> <p>And it’s not just for cars. Sales tax is <a href=”https://www.nerdwallet.com/blog/taxes/year-end-tax-planning/”>deductible</a> on a number of vehicle purchases, including motor homes, trucks, and even boats and planes.</p> <h2>Vehicle registration fees are also deductible</h2> <p>If you buy a car now, you could deduct vehicle registration fees paid before the end of the year, which are also likely to be axed under the new bill.</p> <p>Annual car registration fees might be partially deductible on your federal income taxes, although that’s only under certain circumstances. According to <a href=”https://turbotax.intuit.com/tax-tips/tax-deductions-and-credits/is-your-car-registration-deductible/L06ja6RwR”>TurboTax</a>, a portion of the registration fee must be charged based on the vehicle’s value — as opposed to its size, age, or other characteristics.</p> <p>But remember, to deduct vehicle registration fees or the sales tax you pay, you have to itemize your deductions.</p><p><strong>SEE ALSO: <a href=”http://www.businessinsider.com/trump-tax-plan-how-tax-brackets-work-2017-12″ >There’s a very simple thing most people get wrong about taxes</a></strong></p> <p><strong>SEE ALSO: <a href=”http://www.businessinsider.com/tax-brackets-2018-trump-tax-plan-chart-house-senate-comparison-2017-11″ >How your tax bracket could change in 2018 under Trump’s tax plan, in 2 charts</a></strong></p> <p><a href=”http://www.businessinsider.com/buy-new-car-before-trump-tax-plan-passes-2017-12#comments”>Join the conversation about this story »</a></p> <p>NOW WATCH: <a href=”http://www.businessinsider.com/donald-trump-tax-plan-reform-change-take-home-pay-calculator-brackets-2017-11″>Here’s how to figure out exactly how your take-home pay could change under Trump’s new tax plan</a></p> Joe Raedle / Getty Images http://www.businessinsider.com/disneys-struck-an-industry-changing-deal-and-now-everybody-is-talking-to-everybody-2017-12 http://www.businessinsider.com/disneys-struck-an-industry-changing-deal-and-now-everybody-is-talking-to-everybody-2017-12 Thu, 14 Dec 2017 08:15:36 -0500 Mike Shields <p><img src=”http://static1.businessinsider.com/image/5878eac0f10a9a22008b8338-1280/deadpool-thumb.jpg” alt=”deadpool” data-mce-source=”Fox” /></p><p></p> <ul> <li><strong>The <a href=”http://www.businessinsider.com/fox-disney-tv-business-acquisition-2017-12″>Disney-21st Century Fox deal has been announced</a>, and some media analysts expect a flurry of deals to follow.</strong></li> <li><strong>The first may be for independent Hollywood studios, as content clout suddenly becomes in high demand.</strong></li> <li><strong>Some experts see Viacom as a natural acquisition target. </strong></li> <li><strong>What will really be interesting is whether tech giants like Amazon, Google, and Netflix feel motivated to get acquisitive.</strong></li> </ul> <hr /> <p><br />Now that Disney has announced a <a href=”http://www.businessinsider.com/fox-disney-tv-business-acquisition-2017-12″>$52.4 billion deal for slew of assets from 21st Century Fox</a>, it’s hard to <a href=”http://www.businessinsider.com/fox-takeover-battle-is-motivated-by-fear-2017-11″>imagine that other media titans will stand pat.</a></p> <p>In fact, many in the business expect a frenzy of acquisitions, as the industry grapples with the looming spectre of Silicon Valley, with its powerful platforms and deep pockets, not to mention rapidly changing consumer media habits.</p> <p><span style=”font-weight: 400;”>”It’s an all out war on the content front,” said <span>Peter Csathy, founder of the media consulting firm Creatv Media. “Conference rooms are buzzing, and everybody is talking to everybody.”</span></span></p> <p>Who knows what’s next? Here are a handful of possible moves, at a time when almost anything seems possible.</p> <h2>Everyone needs to get bigger, starting with the studios</h2> <p>If Disney is indeed buying Fox assets to hoard content for its upcoming streaming service (and to make movies featuring the X-Men and other Marvel characters), do other media giants need to load up on content?</p> <p><a href=”http://www.businessinsider.com/how-disney-fox-deal-could-concentrate-power-in-media-2017-12″> As Business Insider’s Nathan McAlone recently noted, the concentration of power is only growing</a>. So staying small is getting tougher.</p> <p>”Scale matters when you negotiate,” said Michael Goodman, director of Digital Media Strategies/Digital Consumer Practice at Strategy Analytics. “This is sort of a continuation of a reaction to <a href=”http://www.businessinsider.com/doj-legal-experts-block-att-time-warner-merger-cnn-2017-11”>AT&T-Time Warner</a>.”</p> <p><strong>Here are some potential studio targets:</strong></p> <ul> <li>Lionsgate (The “Saw” franchise, shows like “Orange is the New Black” and “Mad Men.”)</li> <li>MGM (James Bond)</li> <li>Sony (“Spider-Man” and “Better Call Saul,” though observers say any deal would be complicated)</li> </ul> <p>Potential studio buyers:</p> <p><strong>Comcast</strong>: As digital ad veteran Jay Sampson, who’s logged long stints at Microsoft and Adobe, sees it, AT&T may soon have Time Warner in house. Thus, Comcast may need to match that combo by adding a studio with a deep back end catalog. “They’d get efficiencies in production cost, marketing and distribution and maybe v<span style=”font-weight: 400;”>ault ahead of Time Warner,” he said.</span><span style=”font-weight: 400;”></span></p> <p><strong>Amazon: </strong>The company is looking for the<a href=”http://variety.com/2017/tv/news/amazon-studios-jeff-bezos-roy-price-zelda-1202552532/”> next “Game of Thrones,” reported Variety.</a> ”I can imagine an Amazon getting into the game,” said <span style=”font-weight: 400;”><span>Csathy. “Their u</span></span>nderlying strategy is to drive Prime membership.” And the more reasons people have to subscribe to Prime (like say 20 plus Bond movies on demand), the more shoppers locked into the Amazon ecosystem.</p> <p><strong>Netflix:</strong> They’ve already bought a comic book producer, which provided the streaming juggernaut with its own IP. If Disney plans to choke off its library, maybe Netflix buys an MGM to fill out their library while continuing to invest in originals.</p> <p><img src=”http://static4.businessinsider.com/image/5633af566bb3f7340b4547a5-1600/spectre-2.jpg” alt=”spectre” data-mce-source=”Sony” /></p> <h2>Viacom has its challenges, but is it suddenly a big target?</h2> <p>There’s no doubt the media conglomerate has its obstacles. Viacom’s core business is cable networks aimed at young people (Nickelodeon, MTV) when young people are running from cable. Still, it’s got tentpole events like the “Video Music Awards” and kids franchises like “Paw Patrol.”</p> <p>Plus, Viacom owns the movie studio Paramount.</p> <p>Would be buyers:</p> <ul> <li>Viacom could recombine with CBS (they were part of the same company through 2006)</li> <li>Viacom could look to connect with other cable stalwarts Discovery/Scripps</li> <li>Or the likes of Comcast, Netflix, Amazon or even Google could be interested. Maybe Google sees Viacom as a way to jump start its move into TV ads?</li> </ul> <p>Doubtful, said Pivotal research analyst Brian Wieser. “<span style=”font-weight: 400;”>I think the answer to pursuing TV advertisers’ budgets is ongoing investment in video content,” he said “I don’t think Google necessarily buys anyone to do that.”</span></p> <h2>Is Verizon a buyer?</h2> <p>The wireless company was reportedly also kicking the tires on Fox. While Verizon has moved aggressively in online ads by purchasing AOL and Yahoo over the past few years, they are way behind when it comes to the TV screen. </p> <p>However, Verizon may be waiting to see what happens with AT&T/Time Warner. In fact, lots of people may be waiting for a decision on that deal. </p> <h2>The Justice Department waiting game</h2> <p>Is the AT&T/Time Warner deal actually going to happen? It’s uncertain, as the Justice Department has sued to block the deal, while the parties<a href=”http://www.businessinsider.com/doj-legal-experts-block-att-time-warner-merger-cnn-2017-11″> remain confident</a>. Looks like a decision won’t happen until well in 2018.</p> <p>The way this court case plays out could impact the appetite and parameters of lots of potential deals. </p> <p>In the meantime, Goodman sees more consolidation among independent, regional cable distributors, such as <a href=”http://variety.com/2017/biz/news/altice-usa-cablevision-suddenlink-ipo-1202028151/”>Altice USA’s recent purchases of Cablevision and Suddenlink Communications.</a> ”It’s getting harder and harder for small operators,” he said.</p> <h2><img src=”http://static3.businessinsider.com/image/5806678ec52402c3008b529c-2400/rtr25o5f.jpg” alt=”department of justice building” data-mce-source=”REUTERS / Jonathan Ernst” /></h2> <h2>What if <a href=”http://www.businessinsider.com/net-neutrality-internet-bill-increase-2017-12″>net neutrality</a> goes away too? Then things might get crazy</h2> <p>Sampson predicted that controlling the pipes into people homes, i.e. the broadband service that delivers people the internet, will suddenly become paramount, since theoretically <a href=”http://www.businessinsider.com/net-neutrality-internet-bill-increase-2017-12″>broadband companies could favor certain web content over others. </a>That’s when things get interesting. </p> <p>For example, what if Amazon (or Google or even Facebook) bought Comcast?</p> <p>”They’ve made big inroads into the home [with devices like the Amazon Echo],” Sampson said. “Amazon to sell you stuff and Google and Facebook to sell you ads. Long term, they don’t want to be relying upon a cable operator or wireless carrier to get them there.”</p> <p>Plus, Sampson theorized, whoever controls broadband access will be able to start charging companies like Netflix a toll to get their content to peoples homes – or choke them off. Lots of Netflix rivals would seem to be interested in that.</p> <p>But many observers had serious doubts about how much Net Neutrality rule changes would impact the way media companies operate.</p> <p><span style=”font-weight: 400;”>”I think Amazon makes decisions based on what drives prices down or otherwise adds value to its retail and e-commerce consumers,” said Wieser. ” I don’t know that owning pipes or distribution to consumers is necessarily that important.”</span></p> <p>Another reason Amazon may not want to go that route. “What if Trump is gone in a few years, and you’ve shifted your whole business and the laws go back?” Goodman asked.</p> <p><img src=”http://static3.businessinsider.com/image/59313dce79474c1c008b625e-1820/rtx38lkb.jpg” alt=”Trump” data-mce-source=”Reuters/Kevin Lamarque” data-mce-caption=”U.S. President Donald Trump refers to amounts of temperature change as he announces his decision that the United States will withdraw from the landmark Paris Climate Agreement, in the Rose Garden of the White House in Washington, U.S.” /></p> <h2>Does Apple do anything?</h2> <p>Csathy predicts Apple will launch its own Netflix competitor, as it will need a place to launch its own shows (Apple wants to spend $1 billion on content). That’s why buying a studio could make a lot of sense, he said.</p> <p>Others have resurfaced a popular theory: Apple could buy Netflix, and put its shows there.</p> <p>Apple isn’t know for making mega acquisitions, Csathy noted. But they could look to grab a dark horse content contender.</p> <p><span style=”font-weight: 400;”>”Apple wont be able to stand on sideline,” he said.</span></p><p><a href=”http://www.businessinsider.com/disneys-struck-an-industry-changing-deal-and-now-everybody-is-talking-to-everybody-2017-12#comments”>Join the conversation about this story »</a></p> <p>NOW WATCH: <a href=”http://www.businessinsider.com/couples-sex-lives-simple-tip-best-2016-7″>How couples improved their sex lives in one week</a></p> Fox http://www.businessinsider.com/britain-first-leader-paul-golding-arrested-2-weeks-after-trump-furore-2017-12 http://www.businessinsider.com/britain-first-leader-paul-golding-arrested-2-weeks-after-trump-furore-2017-12 Thu, 14 Dec 2017 08:09:31 -0500 Kieran Corcoran <p><img src=”http://static3.businessinsider.com/image/59c28339248849290934742a-1001/golding fransen screengrab.png” alt=”golding fransen screengrab” data-mce-source=”Paul Golding/Facebook” data-mce-caption=”Paul Golding and Jayda Fransen, seen in a Facebook video they recorded before being charged with harassment in Kent over a separate issue.” /></p><p></p> <ul> <li><strong>Paul Golding, 35, was arrested in Belfast, Northern Ireland, on Thursday.</strong></li> <li><strong>The arrest was linked to a rally he and his deputy spoke at in August.</strong></li> <li><strong>It comes not long after Britain First became world news thanks to Donald Trump.</strong></li> </ul> <hr /> <p><br />Paul Golding, the leader of the far-right group Britain First, has been arrested in Belfast, Northern Ireland.</p> <p>Officers from the Police Service of Northern Ireland (PSNI) took Golding into custody on Thursday in connection with a Britain First rally this summer.</p> <p>He was in the area to “support” his deputy leader Jayda Fransen, who is appearing in court on Thursday to answer accusations of hate speech related to the same rally.</p> <p>It comes just over two weeks after Britain First was put in the spotlight by President Donald Trump, who <a href=”http://uk.businessinsider.com/trump-retweets-a-string-of-anti-muslim-videos-from-british-far-right-2017-11″>retweeted three anti-Muslim hate videos</a> posted by Fransen, <a href=”http://uk.businessinsider.com/theresa-may-condemns-trump-for-retweeting-britain-first-hate-videos-2017-11″>prompting a rebuke from UK Prime Minister Theresa May</a>.</p> <p>A statement <a href=”https://twitter.com/PoliceServiceNI/status/941276237821022208″>tweeted by the PSNI said</a>: “Detectives investigating speeches made at the Northern Ireland Against Terrorism Rally on Sunday 6th August this year have arrested a 35-year-old man in the Belfast area today.”</p> <p>Police sources have indicated to Business Insider that Golding, who is 35, is the man described. Britain First also wrote on its Facebook page that Golding had been arrested.</p><p><strong>SEE ALSO: <a href=”http://uk.businessinsider.com/britain-first-leader-paul-golding-and-deputy-charged-with-harassment-2017-9″ >The leaders of Britain First have been charged with harassment over an ‘appalling’ gang rape trial</a></strong></p> <p><a href=”http://www.businessinsider.com/britain-first-leader-paul-golding-arrested-2-weeks-after-trump-furore-2017-12#comments”>Join the conversation about this story »</a></p> <p>NOW WATCH: <a href=”http://www.businessinsider.com/white-house-pete-souza-on-how-obama-balanced-being-president-with-his-family-life-2017-11″>White House photographer Pete Souza on how Obama balanced being president with his family life</a></p> Paul Golding/Facebook http://www.businessinsider.com/trump-tax-bill-makes-these-cities-the-worst-for-homebuyers-2017-12 http://www.businessinsider.com/trump-tax-bill-makes-these-cities-the-worst-for-homebuyers-2017-12 Thu, 14 Dec 2017 08:09:00 -0500 Tanza Loudenback <p><img src=”http://static4.businessinsider.com/image/5a319ef1b0bcd51d008b4c31-2400/rtr3iuql.jpg” alt=”new home sales” data-mce-source=”REUTERS/Larry Downing” /></p><p></p> <ul> <li><strong>Republicans have reached a preliminary agreement on their tax bill, meaning tax reform could soon be finalized. </strong></li> <li><strong>The proposed tax bill limits the property tax deduction to $10,000 a year — currently, homeowners can deduct their property tax in full. </strong></li> <li><strong>We compiled a list of the places where homeowners and prospective homebuyers will be hit the hardest if the tax bill is signed into law.</strong></li> </ul> <hr /> <p> </p> <p>House and Senate Republicans came to <a href=”http://www.businessinsider.com/trump-gop-tax-reform-bill-details-corporate-tax-rate-brackets-2017-12″>a preliminary agreement</a> Wednesday on their final tax bill.</p> <p>The bill could affect current and future homeowners in a few different ways, including <a href=”http://www.businessinsider.com/prepay-property-taxes-before-trump-tax-plan-passes-2017-12″>capping the deduction for state and local property taxes</a> at $10,000. Under the current tax system, there is no cap on the amount of property taxes a homeowner can deduct.</p> <p>As part of its <a href=”https://www.trulia.com/blog/trends/american-dream-2018/”>latest housing report</a>, Trulia found the top metro areas in the US with the greatest share of homeowners who pay $10,000 or more in property taxes annually. It’s these places where homeowners and prospective homebuyers will be hit the hardest if the tax bill is signed into law.</p> <p>New Yorkers would be hit especially hard. In each of three New York area metros — New York City, Newark, and Long Island — more than one out of every five households pay at least $10,000 annually in property taxes.</p> <p>Below, check out the top 11 worst places to buy a home if Trump’s tax plan passes, based on where the largest share of homeowners pay more than $10,000 in property taxes. For each metro, we also calculated the minimum home value at which the annual property tax bill would be at least $10,000.</p><p><strong>SEE ALSO: <a href=”http://www.businessinsider.com/us-housing-crisis-homeownership-single-family-home-2017-12″ >America’s future depends on the death of the single-family home</a></strong></p> <p><strong>DON’T MISS: <a href=”http://www.businessinsider.com/trump-tax-plan-affect-wealthy-benefits-2017-12″ >Here’s what Trump’s tax plan means for people making between $300,000 and $10 million a year</a></strong></p> <h3>11. Houston, Texas</h3> <img src=”http://static6.businessinsider.com/image/58c1c660402a6bca518b4c77-400-300/11-houston-texas.jpg” alt=”” /> <p><p><strong>Property tax rate: </strong>1.7%</p> <p><strong>Household property tax bills above $10,000: </strong>10.2%</p> <p><strong>Home value where property tax bill exceeds $10,000: </strong>$583,371</p> <p> </p></p> <br/><br/><h3>10. Cambridge, Massachusetts</h3> <img src=”http://static1.businessinsider.com/image/5a2ed355a3b47440028b521d-400-300/10-cambridge-massachusetts.jpg” alt=”” /> <p><p><strong>Property tax rate: </strong>1.2%</p> <p><strong>Household property tax bills above $10,000: </strong><span>10.8%</span></p> <p><strong>Home value where property tax bill exceeds $10,000: </strong>$866,626</p> <p> </p></p> <br/><br/><h3>9. Austin, Texas</h3> <img src=”http://static3.businessinsider.com/image/5a1889b8f914c360018b609f-400-300/9-austin-texas.jpg” alt=”” /> <p><p><strong>Property tax rate: </strong>1.6%</p> <p><strong>Household property tax bills above $10,000: </strong><span>11.4%</span></p> <p><strong>Home value where property tax bill exceeds $10,000: </strong>$619,641</p> <p> </p></p> <br/><br/><a href=”http://www.businessinsider.com/trump-tax-bill-makes-these-cities-the-worst-for-homebuyers-2017-12#/#8-chicago-illinois-4″>See the rest of the story at Business Insider</a> REUTERS/Larry Downing http://www.businessinsider.com/a-disney-fox-deal-is-not-just-about-netflix-it-also-has-major-ad-sales-ramifications-2017-12 http://www.businessinsider.com/a-disney-fox-deal-is-not-just-about-netflix-it-also-has-major-ad-sales-ramifications-2017-12 Thu, 14 Dec 2017 08:07:00 -0500 Tanya Dua <p><img src=”http://static4.businessinsider.com/image/59370b9ed508f81b008b45f0-1200/the bold type freeform.png” alt=”the bold type freeform” data-mce-source=”Freeform/John Medland” data-mce-caption=”“The Bold Type” stars, from left, Meghann Fahy, Katie Stevens, and Aisha Dee.” /></p><p></p> <ul> <li><strong>Disney has announced a $52.4 billion media-industry-rocking deal to acquire <a href=”http://www.businessinsider.com/fox-disney-tv-business-acquisition-2017-12″>a collection of assets from 21st Century Fox</a>.</strong></li> <li><strong>While 21st Century Fox’s content assets help Disney in its budding war with Netflix, don’t forget about ad sales.</strong></li> <li><strong>The combined media entity immediately boasts a broader array of TV networks to sell to marketers, allowing it to command more clout in the market and deliver elaborate cross-network packages.</strong></li> <li><strong>Fox’s ad team also helps nudge Disney ahead in data-driven ad sales, where it’s fallen behind, ad buyers say.</strong></li> </ul> <hr /> <p><br />Disney has agreed to acquire 21st Century Fox’s film studio and a large chunk of its television production assets for $52.4 billion — a deal that <a href=”http://www.businessinsider.com/disney-fox-takeover-deal-a-weapon-against-netflix-2017-12″>alters the media landscape as we know it</a>.</p> <p>It helps Disney battle accelerated cord cutting, gives it an even <a href=”http://www.businessinsider.com/how-disney-fox-deal-could-concentrate-power-in-media-2017-12″>bigger repository of content</a>, and helps prepare it to take on Silicon Valley giants including Facebook, Google, Amazon, and Apple.</p> <p>But less examined thus far is the fact that the deal would make Disney all the more attractive in the eyes of media buyers purchasing ads on behalf of marketers.</p> <p><a href=”http://www.businessinsider.com/fox-disney-tv-business-acquisition-2017-12″>The package that Disney is buying</a> includes Fox’s 39% stake in Sky across Europe, Star India, and a collection of pay-TV channels including FX and National Geographic. The deal also includes popular entertainment properties like X-Men, Avatar, and The Simpsons.</p> <p>That represents a massive boost to Disney’s TV advertising portfolio, whose cable-channel assets have been limited to Freeform and the very niche (and mostly ad-free) Disney Channel.</p> <p>”From a cable point of view, Fox brings in rich assets in the form of FX and National Geographic, an area in which Disney has so far been limited,” one TV ad buyer told Business Insider. “It sounds like a very synergistic compilation of companies and broadens its appeal to marketers.”</p> <p>Jason Maltby, the president and co-executive director of national broadcast at Mindshare, agreed, saying that Fox presented Disney with a much broader range of networks to sell to giant advertisers. “From a marketplace standpoint, fundamentally what this does is that it allows Disney to become a bigger player in the cable arena,” he said.</p> <p>The combined entity would also be able to provide advertisers more opportunities to purchase custom, complex ad packages that include a mix of TV and digital ads, said Jim Fosina, the founder and CEO of Fosina Marketing Group.</p> <p>It also helps that the Disney-ABC TV Group reorganized earlier this year, laying the precedent for what comes ahead. The restructuring put ad sales for its entire portfolio, which includes ABC, Disney Channel, Freeform, and Radio Disney, <a href=”http://deadline.com/2017/02/disney-abc-unifies-ad-sales-operations-under-rita-ferro-1201905461/”>under the company’s sales chief, Rita Ferro</a>. Buyers expect Fox’s assets to be incorporated under Ferro as well.</p> <p>”A consolidated Disney where they go to one place for all their needs is far more attractive to marketers,” a TV ad buyer added. “A broader portfolio and reduced competition also allows Disney to attempt to garner a higher premium.”</p> <p>In other words, Disney now promises one-stop shopping and has set itself up to be one of the few big TV ad players left standing.</p> <p>Ad buyers have been pushing for such streamlining for years, said Steven Piluso, the head of media and integration at Media Storm. He recalled having to go through numerous sales reps and silos within 21st Century Fox and News Corp, with it being common “to talk to eight to nine different reps to get a deal done.” Consolidation is welcome, he said.</p> <p>A combined arsenal of Disney-Fox assets also enables marketers to chalk out larger-scale ad programs that could tap into Disney and Fox’s intellectual property — and its data.</p> <p>For example, recently the Nissan Rogue was promoted in conjunction with “Rogue One: A Star Wars Story” across Disney’s networks, stations, and shows like “Jimmy Kimmel Live!” — and even on ESPN, which is typically run independently. Campaigns like that could become bigger and more common.</p> <p>”They have more leverage in the marketplace, more insight into how budgets are allocated, and, ultimately, a tighter grip on the future,” Mindshare’s Maltby said.</p> <p>That grip is strengthened by more data. Advertisers have increasingly pushed the TV industry to embrace elements of digital advertising — in terms of audience targeting using data and software — an area where Disney has been seen as lagging.</p> <p>Fox recently formed a consortium with Turner and Viacom <a href=”https://www.wsj.com/articles/turner-viacom-and-fox-join-forces-for-data-driven-tv-ad-buying-1489593919″>to launch OpenAP</a> — through which advertisers can mix and match data sets to be used for ad targeting on multiple TV networks.</p> <p>The deal brings Disney into that fold.</p> <p>”Until this point, Disney could not have played in behavioral marketing,” Maltby said. “This really gives them the opportunity to play in that space and go beyond targeting based on gender and age and do it based on purchase behavior.”</p><p><a href=”http://www.businessinsider.com/a-disney-fox-deal-is-not-just-about-netflix-it-also-has-major-ad-sales-ramifications-2017-12#comments”>Join the conversation about this story »</a></p> <p>NOW WATCH: <a href=”http://www.businessinsider.com/stranger-things-season-2-easter-eggs-details-references-movies-tv-eleven-80s-netflix-2017-10″>13 details you might have missed in ‘Stranger Things’ season 2</a></p> Freeform/John Medland http://www.businessinsider.com/internet-of-things-research-iot-connected-cars-connected-homes-enterprise-government-2016-11 http://www.businessinsider.com/internet-of-things-research-iot-connected-cars-connected-homes-enterprise-government-2016-11 Thu, 14 Dec 2017 08:06:00 -0500 BI Intelligence <p><img style=”float:right;” src=”http://static5.businessinsider.com/image/582df351ba6eb637008b4ef8-600-/iot.jpeg” alt=”future of retail deck slide 10″ width=”600″ border=”0″ data-mce-source=”BI Intelligence”></p><p></p> <p>It all started on our PC’s. Now, single function items are becoming interfaces connected to the Internet and offering us capabilities above and beyond their original intended purpose. The phone goes way beyond making calls, the watch goes way beyond telling time, the car goes way beyond getting us from place to place, etc.</p> <p>Our businesses and governments are becoming more efficient by investing in the IoT revolution. Industries like oil, manufacturing, agriculture, medicine, insurance, retail, and utilities are all actively innovating with IoT installs. Governments are improving the quality of cities and defense programs with smart, Internet-connected solutions.</p> <p>However, the IoT revolution doesn’t come without hurdles. The current infrastructure is struggling to keep up with the Internet traffic. There are also security concerns around connecting everything to the Internet.</p> <p>As a result of everything becoming connected, we are seeing shifts in investments and returns. There is already a great demand for network expansion, cyber security, and insurance. And generally, the prices of hardware will fall as IoT becomes less of a novelty.</p> <p><img style=”float:right;” src=”http://static2.businessinsider.com/image/582df295e02ba72a008b4ee0-950-534/iot1.jpeg” alt=”future of retail deck slide 10″ width=”600″ border=”0″ data-mce-source=”BI Intelligence”></p> <p>All of this opens up a huge opportunity for everyone to make and save a lot of money. We will invest $6 trillion in IoT between 2015 and 2020, which will yield $12.6 trillion ROI over the next decade. Enterprise will make up the majority of the investment dollars, followed by government and consumer.</p> <p><strong><a href=”http://www.businessinsider.com/intelligence/bi-intelligence-iot-research-bundle?IR=T&utm_source=businessinsider&utm_medium=report_teaser&utm_term=report_teaser_subscription_text_link_internet-of-things-research-iot-connected-cars-connected-homes-enterprise-government-2016-11&utm_content=report_teaser_subscription_text_link&utm_campaign=report_teaser_subscription_link” target=”_blank”>BI Intelligence</a></strong> has created a slide deck exploring the most disruptive trends in IoT. <span>To get a more detailed view of the progression, landscape and projections of the Internet of Everything, access the complete slide deck by </span><span style=”text-decoration: underline;”><a href=”http://www.businessinsider.com/intelligence/iot-research-internet-of-things-slide-deck?IR=T&utm_source=businessinsider&utm_medium=leadgen_teaser&utm_term=report_teaser_leadgen_text_link_internet-of-things-research-iot-connected-cars-connected-homes-enterprise-government-2016-11&utm_content=report_teaser_leadgen_text_link&utm_campaign=report_teaser_leadgen_link”>clicking here</a>.</span></p> <p>Some of the topics covered include:</p> <ul> <li>The market drivers for the IoT.</li> <li>Forecasts for the IoT market.</li> <li>A breakdown of how many industries are utilizing IoT devices.</li> <li>A look at how governments are using the IoT to revolutionize their cities and defense.</li> <li>An examination of the smart home and connected car market.</li> <li>And much more.</li> </ul> <h3><strong>Want the full deck? <span style=”text-decoration: underline;”><a href=”http://www.businessinsider.com/intelligence/iot-research-internet-of-things-slide-deck?IR=T&utm_source=businessinsider&utm_medium=leadgen_teaser&utm_term=report_teaser_leadgen_text_link_internet-of-things-research-iot-connected-cars-connected-homes-enterprise-government-2016-11&utm_content=report_teaser_leadgen_text_link&utm_campaign=report_teaser_leadgen_link”>Access it here for FREE >></a></span></strong></h3> <p> </p><p><a href=”http://www.businessinsider.com/internet-of-things-research-iot-connected-cars-connected-homes-enterprise-government-2016-11#comments”>Join the conversation about this story »</a></p> BI Intelligence
Want create site? Find Free WordPress Themes and plugins.
Did you find apk for android? You can find new Free Android Games and apps.