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The iPhone 8 could have a next-generation selfie camera (AAPL)

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iPhone 8 iPhone 10 iPhone X Concept

Apple's next iPhone will likely have a next-generation front-facing camera that can sense 3D space and enable applications like facial recognition, KGI Securities analyst Ming-Chi Kuo wrote in a recent note to investors.

One application for the new 3D front camera is for games to show the user's face in the place of a character, according to the note, which was seen by Business Insider.

Other applications include facial recognition, iris recognition, and improved selfies.

"We think the advanced 3D front camera system will allow the new iPhone to perform 3D sensing and modeling," Kuo wrote.

A sensor camera that can determine how far objects are could enable other applications in augmented reality, an emerging technology that Apple CEO Tim Cook is fond of discussing in public.

Apple recently bought Faceshift, a company that worked on AR-related facial-transformation technology. The sensor also purportedly includes technology from PrimeSense, an AR company Apple bought in 2013.

KGI SecuritiesThe front sensor module will use an infrared transmitter and receiver, according to Kuo, and laser technology from Lumentum, as has been previously rumored. Kuo said the entire camera module would be produced by Sony.

"Future iPhones may come with a similar system for the rear camera," Kuo wrote.

Here are some other rumors we've been hearing about the "iPhone 8," a redesigned model expected to launch this fall:

  • Apple could sell a model with a 5.8-inch wraparound screen, with no borders or bezels, using OLED display technology, which enables darker blacks and better power consumption.
  • The construction of the iPhone 8 could be glass and stainless steel.
  • The home button could be integrated with the screen.
  • It could include wireless charging, allowing it to power up without plugging in a cable.
  • It won't have a headphone jack.
  • It could cost more than $1,000.

SEE ALSO: The top 12 rumors we're hearing about Apple's next iPhone

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This is the surefire way to maximize your Social Security benefits

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As the life expectancy of Americans continues to rise, it has created a unique problem for those nearing retirement age: How do you fund a retirement that will last longer?

Social Security has long been one of the most popular sources of money for the latter years of life. But while it has proved to be a reliable source of post-retirement income, it’s important to remember that the amount you'll eventually receive will depend on when you start claiming your benefits. Watch the video above for more information.

To learn more about how PNC Investments can help you with your Social Security decisions, click here.

This post is sponsored by PNC Investments, Member FINRA and SIPC.


Important Investor Information: Brokerage and insurance products are: Not FDIC Insured. Not Bank Guarantee. Not a Deposit. Not Insured by Any Government Agency. May Lose Value. © 2017 The PNC Financial Services Group, Inc. All Rights Reserved. 

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Take a look inside Warren Buffett's Southern California vacation home, which he just listed for $11 million

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warren buffett laguna

Warren Buffett could see a big return if his Laguna Beach home sells for close to its listing price. 

The billionaire investor has owned the home since 1971, when he purchased it for $150,000. According to the Wall Street Journal, Buffett just listed it for $11 million. 

The home has six bedrooms and more than 3,500 square feet of space. Buffett had primarily used it as a beach retreat for his family, but they reportedly hadn't used it much since his first wife, Susan, died in 2004. 

Let's take a tour of this billionaire's beach-town home.

 

SEE ALSO: The brother of the Playboy Mansion's new owner just bought this $65 million Beverly Hills home

Buffett's longtime vacation home is located in the affluent beachside community of Laguna Beach, in Orange County, California.



It's part of a gated community called Emerald Bay and is just a short walk from the beach.



The beaches here are stunning, with high cliffs.



See the rest of the story at Business Insider

Take a look inside the 11 best yachts showcased at Miami's premier yacht show

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Axioma yacht

One of Miami's biggest yacht shows ended on Monday. 

Yacht aficionados had a chance to tour yachts taking up more than 1.2 million square feet of space in Miami this past weekend.

We rounded up the 11 most impressive luxury yachts featured this year — scroll down for a closer look:

SEE ALSO: Here's how the super rich buy mega-yachts

1. The 11.11 yacht: The 206-foot yacht fits 12 guests and is available for charter at just under $700,000 a week through Y.CO.



It has six cabins, including a master and VIP suite. The master bedroom has its own private sundeck.



The upper deck comes with a plunge pool and plenty of room for sunbathing.



See the rest of the story at Business Insider

An app designed by Swedish physicists just got approved for contraception, but there are a lot of people it won't work for

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Elina Berglund's app will be the first in the world to be government approved as a contraceptive, putting it alongside the pill, IUDs, and condoms — in Europe, at least.

"It feels incredibly exciting that there is now an approved alternative to conventional pregnancy prevention methods, and that it's possible to replace medication with technology," Berglund, a Swedish physicist who co-founded the Natural Cycles fertility-tracking app with her husband Raoul Scherwizl, told Business Insider Nordic.

But not so fast. The app, which has not yet launched in the US, may never be capable of replacing medication for many people. Here's what you should know about the Natural Cycles birth control app, which claims to be "as good as the pill" at preventing pregnancy.

1. The app works by counting the time since your last period and monitoring your body temperature.

Around the time you ovulate, your body temperature rises slightly (about 0.3℃) and remains slightly elevated throughout the rest of your cycle.

Your ova (female eggs) only live for about a day. That means that if you were to have sex with a man for a window of time after ovulation, you cannot get pregnant. If you have sex with a man before you ovulate, on the other hand, you can get pregnant — sperm can stay alive in your uterus for close to a week.

The app uses an algorithm that takes into account your temperature and many other factors like sperm survival, temperature fluctuations, and cycle irregularities. That way, it can detect ovulation and fertility as well as the different stages of your cycle.

And it's far more accurate than other similar methods of fertility tracking.

2. Fancy schmancy app, meet your great-great-great-great grandmother.

brooke lark 194254Still, aside from Natural Cycle's proprietary algorithm — which, again, is what makes it far more accurate than other similar methods — the app is grounded in science that has been around for centuries.

For thousands of years, it formed the basics of birth control. Since as early as 300 AD, the idea went, someone who wanted to either avoid pregnancy (or get pregnant) kept track of when she was the most fertile. If you want to avoid pregnancy, you don't have sex on those days. If you want to get pregnant, you do. Simple.

Simple, but not perfect.

3. "Fertility awareness-based" methods of birth control are hard work.

Today, so-called "fertility awareness-based" methods of birth control can include everything from marking up a calendar to paying detailed attention to your vaginal discharge to taking your temperature every morning. Problem is, they aren't always reliable, because our bodies aren't always reliable.

The length of your cycle can vary for several reasons, including stress. For many women, this variability is the only constant thing about their periods. In this case, fertility awareness-based methods are generally a bad option, according to Planned Parenthood.

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Fertility awareness methods also aren't advisable for women who have a sexually-transmitted infection (STI). And Planned Parenthood suggests these methods "may not work" for women who have any of the following: more than one sex partner; a sex partner who "isn't as committed to fertility awareness-based methods as you are;" trouble keeping close track of your "safe days;" trouble abstaining or using another method for at least 10 "unsafe days" during each cycle; or for women who take medicine that may affect reading any of the signs of these methods.

4. This is where the app comes in.

Today, you don't need a physical calendar to keep on top of your fertility — you can use your phone or anyone of a number of otherappsdesignedspecifically for this purpose.

Natural Cycles, however, is the first of these apps to be certified as a medical device and officially approved by a European health agency. So where does that "as effective as the contraceptive pill" come in? Co-founders Raoul and Elina point to a recent clinical study of more than 4,000 women between the ages of 18 and 45 published in the peer-reviewed European Journal of Contraception and Reproductive Health Care.

The study found that the app's failure rate for "typical use" (a term used to refer to how most people use a form of contraception) was 7%. Or, for every 100 women who used the app in a "typical" way (meaning certain common slip-ups are accounted for), seven got pregnant each year. In comparison, the "typical use" failure rate for the pill is about 9%, according to the CDC. For injectable birth control, it's 6%; for an IUD, it's 0.2% - 0.8%.

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For "perfect use," the app was also found to be fairly similar to the pill in terms of effectiveness — among those women who used the app perfectly, about five out of every 1,000 got pregnant (a 0.5% failure rate). Among women who use the pill perfectly, about three out of every 1,000 get pregnant (a 0.3% failure rate).

That's way better than traditional fertility-based awareness methods, which have an average failure rate of 24%, according to the CDC.

With that in mind, Natural Cycles is inarguably one of the best forms of fertility-based awareness birth control that exists. Its low failure rates are multitudes better than other traditional fertility-based awareness methods, thanks to all of the data the company has crunched (it probably helps that its creators are both physicists with extensive science and math backgrounds).

"A lot of other apps track fertility indicators and then the focus is on the women to do it on their own," co-founder Raoul Scherwizl told me. "We want to make planning easy for everyone. Temperature data fluctuates a lot. This makes it easier and ensures a certain safety."

5. Natural Cycles, there's a small elephant in the room.

Still, Natural Cycles is a fertility-based awareness method of contraception.

That means that for certain people, the app can work wonders. These people will likely have, in addition to a clean sexual bill of health, one or all of the following: A predictable sex schedule; regular periods; the time and ability to abstain from sexual activity on certain precise, consecutive days every month.

"In the end, what we want to do is add a new method of contraception that women can choose from without side effects," Scherwizl told me. "I think there are many women who this will be great for."

But not everyone falls into this category. It's worth noting, for example, that the same study which found that Natural Cycles had an encouragingly low failure rate for typical use also found that more than half of the women who did get pregnant recorded having unprotected sex during their fertile period, Susan Walker, a professor of sexual health at Anglia Ruskin University, pointed out in a recent post for The Conversation. This doesn't mean the app was providing inaccurate data.

Quite the contrary, in fact: It suggests that women were still having sex on the days when the app was telling them not to.

That's an important finding, too. We know an app can't keep people from having sex. But depending on your current situation in life, consistently and reliably abstaining from sex for several days at a time during a precise and sometimes variable window each month may be easier said than done. In these situations, medication may be your best option.

SEE ALSO: I tried an app that lets you order birth control pills online for free — and it's a game-changer

DON'T MISS: How to know you're in a long-term relationship, according to psychology

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NOW WATCH: The most popular form of birth control isn't always the most effective — according to a gynecologist

6 ways this tool takes the drama out of picking your next credit card

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The credit card offers in this post are from CreditCards.com’s partners. They receive compensation when you click on links to those products. See CreditCards.com’s Advertiser Disclosure for more information.

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Travel. Cash back. Balance transfer. Credit card options can be overwhelming.

In fact, there are more than 220 credit cards in the market. From 50,000 signup bonus points to a 0% APR rate for 18 months on balance transfers, the choices can seem endless.

You may think the solution is to apply for multiple cards in close succession and hope for the best. But actually, your credit rating can get dinged if you apply for multiple cards. You could even end up with a bunch of rejections, with no card to show for your effort and a negatively impacted credit score. Lenders track your credit score to assess your creditworthiness, so that is not a situation you want to be in.

But there’s a solution. With CreditCards.com’s CardMatch™ tool, you can get synced with cards that you are more likely to be approved for. You simply give a little information (name, address, and last four digits of your Social Security number), and in exchange, the tool tells you which cards you are more likely to be approved for. CardMatch takes your credit profile into account when filtering offers so that if you are in the “average” credit spectrum, for example, cards that generally require “excellent” credit won’t show up for you, saving you time, hassle, and a dinged credit report.

There’s no guarantee that you will be approved for the cards available in CardMatch, but the likelihood is considerably higher than if you chose cards in the dark. Most of us don’t know if our credit qualifies as “fair,” “average,” “good,” or “excellent,” so rather than guessing, CardMatch does the heavy lifting for you.

Here are six ways CardMatch makes card shopping easier, more convenient and safer.

1. Your profile is matched with myriad cards.

CardMatch partners with multiple card issuers, meaning that you are assessed for a multitude of card products. In fact, CardMatch includes more card products than competitors’ matching tools, providing a more robust experience.

2. It saves time and hassle.

By using this tool, you save time, because you aren’t trolling through hundreds of cards trying to decide which is best for you.

3. There are targeted offers.

There are sometimes targeted offers that are richer than the offers available to the general public. For example, The Platinum Card from American Express’ public offer on Feb. 2, 2017, was 40,000 points after a $3,000 spend within your first 3 months of card membership. Compare that to the CardMatch offer on the same day for one consumer of 60,000 points. (Note that that offer is not necessarily available to all users.)

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This makes it worth your while to check CardMatch often for special offers.

4. Your credit is protected.

With CardMatch, your credit report gets a “soft hit,” meaning that your credit isn’t dinged. FICO, the scoring model used by most lenders, scores in part on the number of “hard hits” or credit checks by lenders, insurers, and others that you’ve received in the last two years. The more hard hits, the tougher it is on your score. But in this case, the hard hit is not made until you apply directly with the credit card issuer. So the soft hit that CardMatch makes is safe for your credit.

5. Results come back within seconds.

Another plus with CardMatch: It gives you your results within seconds. For example, a recent search returned 16 cards within 4 seconds that were good potential matches for one consumer.

6. It narrows your search even more.

One new feature: You can now narrow your search with multiple selections. For example, say you want to search for Rewards cards with No Annual Fee. To do so, simply select those two categories, and the results will identify which cards you might qualify for that fall under those groupings.

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The tool will narrow your selection based on the criteria you choose.

CardMatch provides a wider selection, special offers, and time saved when you are on the hunt for a great credit card. Rather than choosing from more than 220 card offers, cards matched to you will be displayed, including offers not available to the general public. So rather than flying blind while card shopping, CardMatch will help you make the right choice for your life and credit.

Choose your next card now with CreditCards.com’s CardMatch.

This post is sponsored by CreditCards.com

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Trump denounces wave of anti-Semitism as 'horrible' and 'painful'

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Speaking at the National Museum of African American History and Culture, President Trump denounced recent anti-Semitic threats targeting Jewish community centers. 

FULL TRANSCRIPT:

I know President Obama was here for the museum’s opening last fall, and I’m honored to be the second sitting president to visit this great museum.

Today and every day of my presidency, I pledge to do everything I can to continue that promise of freedom for African-Americans and for every American, so important, nothing more important.

This tour was a meaningful reminder of why we have to fight bigotry, intolerance, and hatred in all of its very ugly forms. The anti-Semitic threats targeting our Jewish community and community centers are horrible and are painful and a very sad reminder of the work that still must be done to root out hate and prejudice and evil.

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'Off the Wall is a state of mind' — how Vans plans to broaden its appeal beyond skateboarders (VFC)

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Vans

Vans — the California clothing company best known for its action sports apparel — is looking to broaden its appeal to people beyond the skating community.

Its latest ad campaign highlights individuals from a variety of different creative walks of life and represents a departure from its usual skater-focused marketing.

Vans' global brand president Doug Palladini said in an interview with Adweek: "We are no longer just a skateboarding brand. We’ve become a broader lifestyle brand."

He added later: "We’re very much focused on that powerful point of view that thinking differently and being a true individual is really an important thing to us."

Palladini said the "Off the Wall" slogan still retains its history in skateboarding, but the brand hopes this campaign will represent all kinds of self-expression.

Each video from the digital series brings in a different personality from music, art, street culture, and skateboarding, who talk about how they work and express themselves.

In one video, for example, style blogger Jayne Min says: "You don't have to follow what the trend is, just be yourself."

Vans is coming off its 50 year anniversary in 2016, a year during which it opened a number of "House of Vans" locations — a spaces that mix skateparks, art galleries, cafes, and live music venues —  in the US and one in London.

The company finished the 2016 financial year with a 6% lift in annual revenue to $2.3 billion.

Watch the full video series here:

SEE ALSO: Diesel is getting political with its 'Make Love not Walls' ad campaign

Join the conversation about this story »

NOW WATCH: Watch Budweiser’s Super Bowl ad — it makes a strong statement on immigration


This marijuana entrepreneur brings in over $1 million a year running a 'bud and breakfast' hotel

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bud+breakfast hotel colorado

Happy hour at the Bud+Breakfast inn smells funkier than most. At 4:20, guests pile into the living area for hors d'oeuvres and good company as they light up marijuana pipes and joints.

"What happens at this bed and breakfast doesn't happen anywhere else," Joel Shneider, owner of Colorado's Bud+Breakfast hotel, tells Business Insider.

In 2016, Shneider brought in over $1 million managing the nation's first unabashedly pot-friendly hotel (and two locations no longer in operation). Guests ages 21 to 80 have traveled across the country, coming from mostly prohibition states, in order to toke legally and among like-minded enthusiasts.

After his children graduated college in 2014, Schneider, a former attorney, came to Colorado with the intention of opening a marijuana business that didn't involve growing or selling the plant. He visited radio stations, a glass-blowing factory, and tourism groups for inspiration.

At night, Schneider would stand in his hotel bathroom and blow marijuana smoke into the toilet bowl in order to hide the smell. It was an "ah-ha" moment for the budding entrepreneur, who wondered why he had to be so discreet in a state where marijuana is has been legal for recreational purposes since 2012. State law prohibits public use of marijuana, and most hotels ban the Schedule I drug as well.

bud+breakfast hotel colorado

Later in 2014, he opened the first Bud+Breakfast in a six-bedroom Victorian. The suites range from $299 to $399 a night, and a reservation includes complimentary "wake and bake" breakfasts, where bacon, eggs, and waffles are served with a side of ganja.

There's a strict BYOC — bring your own cannabis — policy. While Schneider doesn't have a license to sell or distribute weed, he offers private spaces to consume it. Located in Denver's Capital Hill neighborhood, the inn sits within walking distance of several dispensaries. A drug paraphernalia bar makes expensive vaporizers and roughly 200 pieces of glass, which can be pipes or bongs, accessible for people coming from states where such products are illegal.

With business going well, Schneider grew Bud+Breakfast from one location to three in 2016 — but the expansion did not go as planned. Later that year, he shuttered the newer inns when one property he leased was sold and the other saw only seasonal business. Revenues averaged $110,000 a month, according to an interview with CNBCSchneider expects to make up the difference in 2017 by licensing the Bud+Breakfast name to other proprietors.

bud+breakfast hotel colorado

He can also count on repeat business, which makes up a significant chunk of revenue. Texas, a state where being caught in possession of a small amount of bud is illegal and can mean jail time, brings in more guests than any other state.

"They go home and they tell their friends, you can't believe what I did for the last three days," Schneider said.

SEE ALSO: What it's like to attend a $125 marijuana pairing dinner where guests eat and get high

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NOW WATCH: We went inside a Colorado 'Bud & Breakfast' where you can legally smoke marijuana

The US has nearly 56,000 structurally deficient bridges — here are the states with the most

Apple's $5 billion campus will officially open in April — and you'll be able to visit (AAPL)

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Apple has announced that its new $5 billion (£4 billion) campus will be open to employees starting in April.

The Silicon Valley tech giant said it would take over six months to move more than 12,000 workers to the new campus, which is set on a 175-acre site.

The ring-shaped facility, which Apple is now calling "Apple Park," is several months behind schedule. Construction on the main building and the surrounding parkland will continue over the summer, Apple said.

Apple said the Apple Park would also feature:

  • a visitor's center with an Apple Store and a café that are open to the public
  • a 100,000-square-foot fitness center
  • secure research-and-development facilities
  • 2 miles of walking and running tracks
  • and an orchard, a meadow, and a pond.

Apple Park

Apple started work on the Apple Park in 2013. Tim Cook, Apple's CEO, told employees last year that Apple planned to move the first groups into the new "Spaceship" campus in January 2017.

Apple also revealed on Wednesday that the new 1,000-seat auditorium would be named the Steve Jobs Theatre, after the company's late cofounder who would have turned 62 this Friday. The auditorium, which is "opening later this year," sits on a hill overlooking the rest of the campus and comes with a metallic carbon-fiber roof.

“Steve’s vision for Apple stretched far beyond his time with us. He intended Apple Park to be the home of innovation for generations to come,” said Cook, Apple’s CEO. “The workspaces and parklands are designed to inspire our team as well as benefit the environment. We’ve achieved one of the most energy-efficient buildings in the world and the campus will run entirely on renewable energy.” 

Apple Park Steve Jobs theatre

Jony Ive, Apple's chief design officer, added in a statement: "Steve invested so much of his energy creating and supporting vital, creative environments. We have approached the design, engineering and making of our new campus with the same enthusiasm and design principles that characterize our products.

"Connecting extraordinarily advanced buildings with rolling parkland creates a wonderfully open environment for people to create, collaborate and work together. We have been extremely fortunate to be able to work closely, over many years, with the remarkable architectural practice Foster + Partners."

Check out Apple's video below: 

 

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NOW WATCH: Meet the forgotten co-founder of Apple who once owned 10% of the company

New York City's most iconic hotel is closing indefinitely this month — take a look back at its star-studded past

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New York City's Waldorf Astoria is one of the most legendary hotels in the world.

Its suites have hosted every US president since Herbert Hoover, and Hollywood legends Sophia Loren, Elizabeth Taylor, and Frank Sinatra have all at different times called the residential towers home. Countless lavish social events were held in its ballrooms, and its kitchens were the birthplace of red velvet cupcakes and the Waldorf salad.

Last year the hotel celebrated its 85th anniversary, but it will close indefinitely for renovations on February 28.

Since 2014, when the property was bought from Hilton Worldwide by the Chinese insurance company Anbang for $1.95 billion, plans for a major overhaul have been on the horizon. The New York City Landmarks Preservation Commission is working to preserve parts of the interior, and Anbang has agreed to comply, Bloomberg reported in September. Though there are no blueprints to see yet, Anbang is reportedly planning to change most of the rooms into condominiums.

Business Insider recently visited both the hotel and the towers to talk to four employees and hear their firsthand accounts of over 100 years of combined experience there. Their stories, plus the history behind the iconic hotel, are below.

SEE ALSO: A former J.Crew exec just opened a menswear paradise for the modern guy who 'wants to look American'

The Waldorf Astoria was originally two separate hotels that were created because of a feud between two cousins, William Waldorf Astor and John Jacob Astor IV. The two hotels were next door to one another on Fifth Avenue and 33rd Street. Eventually, the cousins came to a truce, and they connected the hotels with a hallway. The hotels were demolished in 1929 to make way for the Empire State Building, and the Waldorf Astoria name was sold for $1 to Lucius Boomer, who began construction on the hotel's current location.

Source: History.com



The current hotel is at 301 Park Avenue between 49th and 50th Streets, and the primarily residential Waldorf Towers are at the top. When it opened in 1931, the new Waldorf Astoria was the tallest and largest hotel in the world.



President Herbert Hoover mentioned the brand-new hotel in a radio broadcast from the White House. "The opening of the new Waldorf Astoria ... marks the measure of nation's growth in power, in comfort, and in artistry," he said.

Source: Waldorf Astoria New York



See the rest of the story at Business Insider

Chip Gaines of HGTV's 'Fixer Upper' explains how to know when it's 'a no-brainer to buy' in real estate

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Chip and Joanna Gaines

Two years ago, Waco, Texas-residents Chip and Joanna Gaines debuted their now-hit show "Fixer Upper" on HGTV, the de facto television network for all things home improvement.

In a recent interview with Business Insider, the pair joked that while Joanna has become "America's sweetheart," Chip is "America's contractor."

When they married in 2003, Chip had begun flipping houses and renting them out to Baylor University students in Waco. He brought Joanna on board and she quickly discovered a hidden passion for home decor, opening a small boutique to sell her vintage finds, which would become the flagship of their ever-expanding brand.

Together they now own and operate Magnolia Homes, a real estate, renovation, and design company, in addition to several small businesses under the Magnolia brand, including a retail shop, bakery, furniture line, paint collection, and a "Fixer Upper"-style bed and breakfast.

Throughout his career as a contractor and a business owner, Chip has believed that "real estate has always been a vehicle for wealth." In order to build that wealth, the self-proclaimed "serial entrepreneur" prefers to buy property rather than rent.

"[E]ven when we were broke, I was investing constantly in properties," Chip told Business Insider. "Some properties we would own and rent out to college students that were around the university. Sometimes we would rent them out to local folks, and sometimes we would we live in them."

"So, for me, I have a very difficult time renting anything," he continued. "If I'm going to take office space, I want to own the building. If I want to buy a car, I buy it."

Chip says that people considering whether to rent or buy should ask themselves one question: "Is this asset going to depreciate in value?" If yes, then it's generally not worth purchasing. Chip acknowledges that this strategy holds true for the auto industry, though he admits that he still purchases cars rather than leasing.

"But in the housing universe, if you're confident or nearly positive that these assets are going to appreciate in value, it's a no-brainer to buy," Chip said. "If you get into complicated markets to where you're not confident, rent for a season, or rent for a year or two, and let the market sort of calm itself down before you jump in with both feet."

Watch more from the Gaines' interview with Business Insider below:

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NOW WATCH: These are the best and worst places to retire in the US

Guests at California's ritziest self-help retreat center have to be airlifted out by helicopter because of storms

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Floods, mudslides, and storms have ravaged the California coastline in recent weeks, leaving many stuck indoors. For the 70 guests and staff stranded at the Esalen Institute, a self-help retreat center for one-percenters (and those who are willing to shell out hundreds of dollars to stay in a sleeping bag onsite), being rained in could be worse.

On February 21, The Guardian reported that Big Sur's wettest season on record decimated the Esalen Institute's road access. Those holed up inside will likely be evacuated via helicopter next week, after the rain eases up. In the meantime, the five dozen entrepreneurs, artists, and spiritual healers who remain are taking advantage of what the retreat center has to offer.

Those awaiting evacuation enjoy ratatouille, Thai curry soup, quinoa, and vegetables plucked from the garden and prepared in the center's newly renovated dining hall. A supply of rice, beans, and kale will sustain them when their other food stores dry up.

Workshops have been put on hold since February 12, but employees are still being paid, Gordon Wheeler, Esalen's president and CEO, told The Guardian.

The Esalen, founded in 1962 by two former Stanford students, offers 600 workshops and programs a year devoted to "cultivating deep change in self and society," according to the website. It has served as a haven for artists and philosophical types since its founding. Today, approximately 17,000 visitors come every year to unplug and "re-energize a sense of purpose."

Over the years, the Esalen has attracted major influencers, including American psychologists Carl Rogers and B.F. Skinner, wellness guru Deepak Chopra, and photographer Ansel Adams. The center even got a nod in the series finale of AMC's "Mad Men," when Don Draper escaped across the country to an eerily similar coastal commune, in search of himself. 

The institute welcomes its fair share of techies as well. Ben Tauber, a former product manager at Google, joined the board of trustees in 2015. Chip Conley, who left his role as head of global hospitality at Airbnb in January, leads programming for CEOs and founders on-site.

Weekend programs start at $405 for sleeping-bag accommodations and $790 for standard rooms; seven-day programs start at $900 and $1,700, respectively.

Workshops may resume as early as March 3, according to a post on the groups' Facebook page.

SEE ALSO: This marijuana entrepreneur brings in over $1 million a year running a 'bud and breakfast' hotel

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NOW WATCH: Tim Ferriss’s top self-improvement tip stresses the importance of who you surround yourself with

The easiest ways to prevent the eyestrain caused by staring at screens, according to ophthalmologists

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If you work at a computer, you know how awful your eyes often feel by the end of the day.

After staring at screens, eyes become dry, itchy, blurry, irritated — and that discomfort is frequently accompanied by a headache.

This phenomenon is known as eyestrain, often referred to as "digital eyestrain," since many of us experience it after staring at computers all day (it probably doesn't help that we stare at phones during breaks and often return to staring at computers or other screens at home).

"It's an important issue," says Dr. Rahul Khurana, the clinical spokesman for the American Academy of Ophthalmologists. Still, he says, it's possible to overhype the concerns about eyestrain too. For example, there's no evidence that looking at screens is causing things as severe as vision loss. For this reason and others, there's no need to purchase special glasses to avoid eyestrain. "It causes people to be uncomfortable — it causes irritation," he says. But "we haven't seen any issues with eyestrain causing permanent damage."

By following a few simple procedures, it's possible to avoid most of the negative effects of eyestrain in the first place.

SEE ALSO: Computer glasses that claim to protect your eyes from screens are selling like crazy, but they probably aren't doing you much good

Understand the main cause of eyestrain: blinking (or really, not blinking enough).

We blink less when we focus intently on something like a computer screen. Instead of blinking 15 times a minute, we'll do so 12 or 10 times, which dries out our eyes. This isn't just a computer problem — focusing on books or magazines can cause the same symptoms.

"Over the course of the day if [cornea cells] dry out beyond a certain point, they can't recover," says Dr. Richard Rosen, the director of retina services at New York Eye and Ear Infirmary of Mount Sinai and the ophthalmology research director at the Icahn School of Medicine. "Not until they're replaced overnight will you feel comfortable."



Try to keep your eyes moist.

It's hard to remember to blink when you're focusing intently, but it's worth making an effort.

Artificial tears, or eye drops, can also help keep your eyes feel refreshed throughout the day. If you're in a particularly dry environment, a humidifier may help as well. 



Give your eyes a break with the 20-20-20 rule.

To give your eyes a break from that intense, eye-drying focus, you can follow a simple rule, according to Khurana. Every 20 minutes, look at something at least 20 feet away for 20 seconds. That'll allow your eyes to rest and give yourself a little time to blink normally.

 



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People are rediscovering the greatest American artist from World War I

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Claggett Wilson isn't exactly a household name, but his battlefield watercolors are getting buzz at a big new exhibition of World War I and American Art.

"[Wilson's] watercolors of exploding shells and mad-eyed soldiers are standouts in an exhibition rich in intensely original work," Holland Cotter wrote in the New York Times.

"I was most moved ... by an artist I had never heard of: Claggett Wilson," Thomas Hine wrote in the Philadelphia Inquirer. "The works vary a good deal in style ... [but] what they share is immediacy and intense emotion."

"These are incredible," Slate's Amanda Katz tweeted in response to a series of Wilson works tweeted by her colleague Rebecca Onion.

The exhibition, which includes Wilson works not publicly exhibited since the 1920s, is at the Pennsylvania Academy of the Fine Arts through April 9 before moving to New York and Nashville.

Wilson was one of the few American artists who saw combat in the war. He was one of even fewer who was on the battlefield as a soldier, not an artist, serving as a second lieutenant in the Marines and winning a citation for bravery under fire.

Art historian David Lubin, who is one of the curators and the author of "Grand Illusions: American Art and World War" (and this reporter's father), says Wilson's artistic contributions were unmatched in America. He writes: "World War I did not produce an American artist of [German painter Otto] Dix's brilliance and depth, but Claggett Wilson was the closest equivalent."

Although critically acclaimed, Wilson's works didn't sell well initially and were left to languish for decades in storage. As one 1935 article declared, "Like the bursting of a shell, an arresting brilliance, then silence, is the fate of these paintings which were once considered America's most ambitious contribution in art to the memory of the Great War."

With permission from PAFA, we're running a set of works by Wilson below.

SEE ALSO: More amazing American art from World War I

DON'T MISS: 17 works of art made from AK-47s

Wilson's dreamlike painting of Marines at Bois de Belleau shows the beginning of one of the deadliest battles in the history of the Corps.



Wilson himself was gassed during the battle and found himself stranded in no man's land for three days. Here's his painting of another shell-shocked soldier.

Source: "Grand Illusions"



Another work from Bois de Belleau shows wounded French troops retreating.



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This $35 million NYC penthouse is located inside a clock tower

How to move to Sweden and become a Swedish citizen

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During a February 18 rally, President Trump cited a nonexistent terror-related incident in Sweden as evidence of a connection between global terrorism and refugees.

The Scandinavian country saw no such event. (Trump later explained that the comment was based on a report about crime in Sweden that he'd watched the night before on Fox News.) In fact, the idyllic land boasts some of the happiest people on earth, thanks to the country's egalitarian values, paid parental leave policies, single-payer healthcare system, and breathtaking scenery — all of which leads thousands of people to immigrate each year.

Applying for citizenship requires you to live in the country for five years and have a "proven" identity — which also means you'd have to adjust to wintertime darkness.

For those who weren't born there, here's how you become a Swede.

SEE ALSO: 6 ways hobbies can enhance your career

Be at least 18 years old — unless you know someone.

While the age requirements are hard and fast for adult citizenship, kids are given some leeway.

Parents of kids under 12 years old can apply for their child's citizenship as long as the parent is already a Swedish citizen. Kids over 12 must sign a consent form saying they want to become a citizen.

Once a child reaches 15 years old, they have to show they've been living in Sweden for at least three consecutive years "and have conducted themselves well," according to Sweden's immigration office.



Be able to prove your identity.

A passport or similar document with an accompanying photo is fine.

Alternatively, a relative or loved one can vouch for your identity, provided they're already a Swedish citizen. According to the immigration office, for a loved one to prove your identity, the two of you must have lived together before moving to Sweden.

"You must have lived together for such a period," the requirements read, "that your spouse has knowledge of your background and life story so that your identity can be attested to without doubt."



Have a permanent residence in Sweden.

If you're planning on spending more than 90 days in Sweden — for work, studying, or starting a business — you have to submit an application for a residence permit. 

This is what you'll eventually need to become a citizen. 



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5 creative ways to use your credit-card rewards

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You finally have a credit card that offers amazing rewards. But how do you take advantage of them? Although free flights and cash are great perks, you can explore other ways to use your rewards to make your life even better.

Below are five creative ideas for making the most of your credit-card rewards:

Learn more about using your credit-card rewards.

This post is sponsored by Capital One.

1. Use your wedding to pay for the honeymoon.

Your wedding might seem like an endless list of expenses, from flowers and a DJ to your day-of coordinator. If you're smart about it, you can score a free honeymoon by paying for your wedding with a rewards credit card.

Plan to use the same credit card for big-ticket wedding purchases — like your wedding dress or suit — within a certain timeframe. After you earn miles or points, redeem them by booking a flight to Hawaii, Mexico, Greece, or wherever your heart desires.



2. Give back.

If you don't know what to do with your rewards, why not give them to an organization you want to support? You can make a donation to a charity close to your heart, and it may even be tax-deductible.

Whether you want to help military veterans, your favorite museum, or your hometown's hospital, you have options: Capital One's Giving Site allows you to choose from more than 1 million verified charities in the US that also are tax-deductible.



3. Erase the cost of travel expenses.

When you travel, there are lots of unexpected or hidden fees that add up. For example, in-flight Wi-Fi, checked-bag fees, and hotel parking can take a toll. But with the right credit card, you can get back some of that money.

With Capital One's unique Purchase Eraser® tool, you can get reimbursed for recent travel expenses (within 90 days) by redeeming your accumulated miles for a statement credit.



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Tour the exclusive, $25,000-a-year club where athletes and billionaires vacation in Hawaii

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Kohanaiki Bar

An average of eight million people visit the Hawaiian islands each year. But it's not likely that many of those tourists will have an experience that parallels what members can have at Kohanaiki, an exclusive club near Kona on the Big Island of Hawaii. 

With an annual membership fee of $25,000 (in addition to a one-time entrance fee of $100,000), Kohanaiki offers travelers a plethora of activities and real estate options to enjoy. Members can either purchase pre-constructed, fully furnished homes or build out custom homes themselves.

Several C-suite finance executives, as well as golf legend Ben Crenshaw, former tennis pro Lindsey Davenport, and Jacksonville Jaguar Davon House have all joined the club. 

"Our members are a very well-traveled, sophisticated set. This is not the first high-end, private club that they're a member of, and it's not their first vacation home," general manager George Punoose recently told Business Insider. "They've experienced the finest things in life and know what service and luxury is."

Let's take a tour of the 450-acre resort community where entrepreneurs, hedge funders, athletes, and entertainment industry pros vacation together.

SEE ALSO: Inside the swanky private club where Bill Gates, Eric Schmidt, and Justin Timberlake go to ski

Kohanaiki is surrounded by lava flows, white-sand beaches, and bright blue waters.



The golf course is one obvious draw for vacationers ...



... as is the beach and all of the activities it has to offer. Kohanaiki's "A-Team" will take members surfing, snorkeling, scuba diving, and hiking.



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