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12 inspiring quotes from Martin Luther King Jr.


martin luther king jr 4x3

Civil rights leader Martin Luther King Jr. was just 39 years old when he was assassinated on April 4, 1968, but the values he stood for — acceptance, equality, non-violent protest — have echoed throughout the five decades since.

His speeches were bold, triumphant, and touched with King's tireless need to revise. As the perfectionist spoke, millions listened.

On Martin Luther King Jr. Day, here are some of the most inspiring words the activist spoke during his short life.

SEE ALSO: Martin Luther King Jr.'s wife wrote a letter condemning Jeff Sessions in 1986

See the rest of the story at Business Insider

This is the final word on whether you can wear a dress shirt without a tie


collars and ties 2017_3x4

Men's shirt collars have undergone a revolution. The demands of the modern man at the office, as well as after hours, have necessitated this change.

Collars nowadays are typically narrower, shorter, and have a wider spread to allow for the slimmer fits and lapels that are in style these days. It also lets the tie come off after work, which is important in these more casual times.

When it comes to informal business attire, though, there are generally only six types of collars to consider. While the spread collar dominates the space, the more traditional forward point is not too far behind.

Here's how to know which kinds of collared shirts require a tie — and which can go without. 

SEE ALSO: Here are our biggest men's style predictions for 2017

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Can it be worn without a tie? YES

One of the most common collars today is the spread collar, which comes in a variety of angles and points. "Spread" refers to the distance between the collar points.

Can it be worn without a tie? YES

The club collar is a unique style created by an English boarding school that was looking for a way to differentiate its students from the rest. It peaked in the 1930s and has enjoyed a recent revival due to period shows like "Mad Men."

Can it be worn without a tie? YES

Another collar that spent its early day in sport, the button-down collar was first attached to Oxford cloth button-down shirts. Today, the button-down style can even be worn with casual suits.

See the rest of the story at Business Insider

San Francisco biohackers are wearing implants made for diabetes in the pursuit of 'human enhancement'


nootrobox continuous glucose monitoring 2011

Paul Benigeri, a lead engineer atcognitive enhancement supplement startup Nootrobox, flexes his tricep nervously as his coworkers gather around him, phones set to record the scene. He runs his fingers over the part of the arm where Benigeri's boss, Geoff Woo, will soon stick him with a small implant.

"This is the sweet spot," Woo says.

"Oh, shit," Benigeri says, eyeing the needle.

"Paul's fine," Woo says. "K, ooooone ..."

An instrument no bigger than an inhaler lodges a needle into the back of Benigeri's arm. Woo removes his hand to reveal a white plate sitting just above the implant. Benigeri smiles.

nootrobox continuous glucose monitoring 1993

"You are now a tagged elephant," Woo says, admiring his handiwork.

"A bionic human," says Nootrobox cofounder Michael Brandt.

In San Francisco, a growing number of entrepreneurs and biohackers are using a lesser-known medical technology called a continuous glucose monitor, or CGM, in order to learn more about how their bodies work. They wear the device under their skin for weeks at a time.

CGMs, which cropped up on the market less than 10 years ago and became popular in the last few years, are typically prescribed by doctors to patients living with diabetes types 1 and 2. They test glucose levels, or the amount of sugar in a person's blood, and send real-time results to a phone or tablet. Unlike fingerstick tests, CGMs collect data passively, painlessly, and often.

For tech workers taking a DIY approach to biology, CGMs offer a way to quantify the results of their at-home experiments around fasting, exercise, stress, and sleep.

nootrobox continuous glucose monitoring 1986

"The main thing I want to better understand is, how different things I do affect my glucose levels," Benigeri says. "I noticed when I fast or eat a low or controlled amount of carbs, I don't get into that state of sluggishness and fullness. I feel light and crispy and on my feet."

His new CGM is just one way Benigeri is making his way towards "human enhancement," as he puts it.

Nootrobox is developing a direct-to-consumer line of nootropics, or "smart drugs," that claim to improve cognition. Instead of drinking coffee to wake up, customers might swallow a pill that supposedly boosts clarity, energy, and flow, according to the company's website.

The startup's San Francisco office doubles as a makeshift laboratory where employees run biohacking experiments on themselves. For example, about a year ago, the majority of the company's 13 employees stopped eating on Tuesdays.

The team subscribes to an increasingly popular diet called intermittent fasting, which involves going without food for anywhere from hours to several days. Woo and Brandt talk ad nauseam about its benefits, from weight loss and increased focus to disease prevention and longevity.

"I thought it was impossible until I actually tried it," Woo told Business Insider in 2016.

nootrobox continuous glucose monitoring 2001

He explains that it's one thing to read "don't eat added sugar" on the internet, eat sugar, and feel crummy. It's a whole different experience to wolf down a Double Whopper, a side of fries, and a Coke and watch your glucose level spike in real-time via a continuous glucose monitor.

That's exactly what happened on a recent trip to Boston. When Woo's glucose level spiked to nearly triple his average reading between meal times, he excitedly texted Brandt. It seems obvious that eating Burger King would flood his system with sugar, but the instant feedback he got from seeing the monitor validate this hypothesis filled him with delight.

"I think there's enough things in the world that just kind of tell you, 'Do X thing and you'll live longer.' As engineers, it's always — test hypotheses and measure," Woo says.

In the same way that wearing a Fitbit can be motivational for meeting daily fitness goals, Woo believes wearing a CGM might reinforce good behaviors around eating.

"Actually quantifying a lot of the conventional wisdom around diet is super valuable for me to be like, 'OK, this is not just some snotty doctor trying to tell me something,'" he says.

nootrobox continuous glucose monitoring 2006

The devices are relatively small and inconspicuous. Brandt compares the pain of installing a CGM to getting pricked by a Christmas tree needle. The fear of the pain is worse.

Getting a CGM isn't easy if you're not diabetic. Patients usually need a doctor to prescribe them the device. They also have to go over the results with their doctor. The FDA has approved only a small handful of CGM models as replacements for fingerstick tests for diabetes patients.

Most entrepreneurs I spoke with said they bought their CGMs from European vendors on eBay or got them under the table from friends working in health.

Kevin Rose, the cofounder of Digg and a serial entrepreneur, was prescribed and wore a CGM for a brief time. Like Nootrobox's Woo and Brandt, he got one for the love of data. Rose fasts for 16 hour a day and recently created an app, Zero, to help others do the same.

"I'm somewhat a little bit of a 'body hacker.' I like to try out different things to see how it impacts my overall wellbeing," Rose told Business Insider earlier this month. "I put [the CGM] on and I wore it for about a month. When I did, I would throw everything at it."

He drank a glass of pulp-less juice just to watch his glucose level go "through the roof."

Patrick Collison, CEO and cofounder of mobile payments startup Stripe, said on Twitter in 2016 that he bought a FreeStyle Libre Flash Glucose Monitoring Systemin Europe. Collison does not live with diabetes, he said, but has become interested in glucose monitoring since learning how different foods affect insulin response, which is regulated by blood sugar levels.

At Nootrobox, the team calls out their glucose levels like they're reporting high scores on a video game they all play. Benigeri knows the new head of operations is the person to beat.

Woo turns to me and says, "It's not a competition."

"But it is," says an employee sitting at a desk behind him.

nootrobox continuous glucose monitoring 2015

Vicky Assardo, director of public affairs at Abbott, a biotechnology company that manufactures the CGMs used by Nootrobox employees, said she could not comment on the use of the FreeStyle Libre in the US, where it is currently under review by the FDA.

The early adopters believe if they can access the data around their own glucose levels and take action to lead healthier lives now, their efforts may help them stave off obesity, diabetes, and other life-threatening diseases in the future. They expect CGMs to become more common.

Benigeri, who typically fasts for 36 hours twice a week, is used to inquisitions from family whenever he starts up a new routine. He sheepishly admits that his mom made him see an "external doctor," outside the physicians at Nootrobox, before installing his CGM.

"I think a lot of this plays into what we're seeing come true: humans are the next platform, which is something we've been saying since we started the company," Brandt says. "We are generally pretty healthy people, and we want to be even better."

SEE ALSO: This CEO of a 'smart drug' startup fasts for 36 hours straight every week — here's his routine

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NOW WATCH: Here's what happens to your body when you stop eating sugar

Google and Uber alums have created a doctor’s office that’s like an Apple Store meets ‘Westworld'


forward medical office startup 14

Somewhere between stepping into a full-body scanner that measures the elasticity of my veins and watching a cup used for urine samples disappear into the bathroom wall, I realize Forward is not your average doctor's office. It's like an Apple Store meets "Westworld."

Staring down a massive touchscreen monitor in the exam room, I tell Adrian Aoun, founder and CEO of Forward, that I feel like I'm inside HBO's sci-fi thriller.

"Yeah, but the good, not-creepy version, I hope," Aoun says.

Forward emerged from stealth mode on January 17 to announce the opening of its first doctor's office in San Francisco. The company offers a futuristic take on the popular concierge medical practice model, complete with state-of-the-art diagnostics tools, an AI system that listens and takes notes for physicians, and a pricey $149 monthly membership.

I recently toured Forward's flagship location before opening to see what it was like.

SEE ALSO: After trying One Medical, I could never use a regular doctor again

This is what you get when several dozen former employees of Google, Facebook, Uber, and Palantir put their heads together to reinvent the doctor's office.

About a year ago, Aoun was riding his bike to Google's offices in Menlo Park, where he worked on artificial intelligence and ran the Special Projects division at Alphabet, when he got a call.

"Don't freak out, but, I'm having a heart attack. I'm in an ambulance on my way to the hospital. So what do I do?" said his thirty-something relative over the sounds of sirens blaring.

After months of doctor's appointments, phone calls with billing offices and insurance, and countless hours on Google trying to figure out what all the jargon meant, Aoun grew frustrated by how difficult the healthcare system was to navigate.

"Doctors are kind of awesome. They're incredibly smart, they're crazy well-educated. They mean well. ... But the problem is, they're totally set up for failure," Aoun tells Business Insider.

"It's kind of not their fault as much as, I would actually argue, it's my fault. [If I'm] representing the engineering community, we totally dropped the ball," he says.

His relative's near-death experience was an eye-opener, Aoun says. He set out to bring more predictability, consistency, and convenience across the healthcare system.

He assembled a team of some of the most brilliant minds in Silicon Valley, including one of his cofounders, Ilya Abyzov, an early Uber employee who helped launch UberX.

Founded in 2016, Forward makes over every touchpoint in healthcare. The company's engineers built everything from diagnostics tools to a mobile app that patients use to book appointments. The technology creates a better user experience for members and their doctors, according to Aaliya Yaqub, a Forward physician and a Facebook Health Center alum.

Forward's vision has made an impression on venture capitalists. Its investors include Khosla Ventures, Peter Thiel's Founders Fund, Eric Schmidt, and Marc Benioff.

Forward's flagship location, which opened January 17, mimics the look and feel of an Apple Store. When members arrive, they sign in on an iPad at the reception desk.

See the rest of the story at Business Insider

15 tricks to get a quicker start in the morning


sleeping dog

You have better things to do than linger in front of your closet deciding which shirt to wear, or race around your house looking for your sunglasses.

And we know it.

So we consulted productivity experts and scoured the internet for the best ways to cut out the silly stuff and save time in your morning routine.

Read on for practical and creative strategies you can use to get out the door faster — starting tonight.

SEE ALSO: 11 things you can do today to get up earlier tomorrow

The night before

Place your alarm clock across the room

This simple strategy comes from Gretchen Rubin, bestselling author of books including, most recently, "Better Than Before." That way, you'll have to get up and turn it off, decreasing the temptation to go back to sleep.

Leave your keys, wallet, sunglasses, and cell phone in the same place

Here's another tip from Rubin. You don't want to waste time scrambling to find all your essentials.

Check the next day's forecast

It'll help when you plan your outfit (see below). Plus you'll know about any potential delays — if there's going to be a snowstorm the next morning, you should get out the door sooner than usual.

Decide on your outfit while you brush your teeth before bed

That way, Rubin said, "you don't have to take the time for inner debate in the morning."

If you're traveling, decide exactly how you'll spend your time in the morning

Chris Bailey, author of "The Productivity Project," pinpoints this tip as his favorite strategy for saving time in the morning.

Because he travels a lot, he says, "I unfortunately don't have the ability to carve out a consistent daily routine for myself — but I find that laying out a few intentions for how I'll spend my time the next day helps me accomplish what I want to quicker."

Coordinate schedules with your partner

When he's home, Bailey says, "my girlfriend and I also make sure to tie our morning routines together — so we eat breakfast together, take alternating showers, and hit the gym by a certain time, to start the day off on a more productive note."

Alternatively, you and your partner could stagger your morning routines so you don't end up fighting to get into the closet or use the toaster.

Pack lunch

Prepping lunch for you and/or your family saves time and money — going out for lunch every day costs you about $1,000 each year.

Chug a glass of water before bed

Multiple Quora users recommend drinking water before going to sleep so you have to relieve yourself in the morning.

"After some trial and error, I realized that drinking 300 mL of water before going to bed would wake me up exactly at 7 a.m," one anonymous user writes.

You can do your own experimentation to figure out how much water you need to drink to wake up at the desired time. You'll get the added bonus of hydrating your body, which is important because, according to psychologist and sleep specialist Michael Breus, your body gets dehydrated overnight.

Keep the blinds open while you sleep

It's hard to stay asleep with sunlight streaming across your face, writes Mike Fishbein on Quora. "The sun also reminds our mind and body that it's daytime and that we should be awake and energized."

In the morning

Lay off the 'snooze' button

It's tempting to doze for just a few more minutes, we know.

But as sleep expert Timothy Morgenthaler told Business Insider's Jessica Orwig, "Most sleep specialists think that snooze alarms are not a good idea."

That's partly because, if you fall back into a deep sleep after you hit the snooze button, you're entering a sleep cycle you definitely won't be able to finish. So you'll likely wake up groggy instead of refreshed.

Take a cold shower

Once you're up and out of bed (congrats!), hop into a cool —but not freezing — shower. According to Breus, cool showers are invigorating because they lower your body temperature.

Save the hot showers for the evening, when you'll want to relax your body into sleep.

Don't burn your breakfast

Quora user Christoph Krenn has a creative technique for speeding up his morning routine:

"First thing in the morning, I put some rolls in the oven to heat up right before I head over to the bathroom. When I'm not ready after 10 minutes or so I will burn my breakfast.

"This really motivates me to finish my shower and get dressed quickly. Afterwards I enjoy my rolls with a quick coffee and get ready to leave the house."

Krenn helpfully notes that you'll only want to use foods that don't catch fire quickly.

Have a nutritious breakfast readily available

If you're not into the burnt-rolls thing, keep some healthful breakfast staples on hand. Registered dietitian Lisa DeFazio told Business Insider's Rachel Gillett that solid options include instant oatmeal (fiber!) and smoothies (protein!).

You can always take them on the go if you're running late.

In general

Buy several pairs of the same socks

"So you never have to hunt for a mate," Rubin said.

Wear the same (or almost the same) outfit every day

"Give yourself a work uniform," Rubin said, "so you have very few choices to make when dressing."

Barack Obama says he does it; so does Mark Zuckerberg. The idea is to save time as well as mental energy for the things that really matter.

"You'll see I wear only gray or blue suits," Obama told Vanity Fair in 2012. "I'm trying to pare down decisions. I don't want to make decisions about what I'm eating or wearing. Because I have too many other decisions to make."

See the rest of the story at Business Insider

China just opened a massive floating walkway that’s 2X longer than Manhattan


On New Year's Day, China opened up its 31-mile-long floating walkway, located in Luodian County of southwest China's Guizhou Province. The walkway is twice as long as the city of Manhattan and has already received tens of thousands of tourists.

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Here’s the $5.3 million mansion the Obamas will live in after the White House

17 stunning and unusual ski destinations around the world


niseko japan

LONDON — Ski seasons in Europe last from October to May, but if you're willing to travel further afield, it is possible to hit the slopes year-round, especially if you're willing to go off-piste.

From backcountry adventures in Afghanistan to skiing at midnight in Sweden, there are under-the-radar resorts located all over the world.

We've listed some of the most unexpected and unusual skiing destinations around the world. It's even possible to go skiing in Scotland if your budget doesn't stretch to flying abroad.

From Aviemore to Antarctica, here are 17 places you probably didn't know you could ski, ranked from shortest to longest journey from London:

17. Aviemore, Scotland

Aviemore may not be as popular as the Alps with British tourists, but improved snow conditions in Scotland mean that it is ideal for anyone looking to spend less on travelling to their ski resort.  Snow is guaranteed from January to April.

Nearest Airport: Inverness

Route: A one hour, 50-minute flight from London to Inverness, plus a 45-minute train journey from Inverness to Aviemore. You can also take a train direct to Aviemore station from King's Cross, which will take around seven hours, 30 minutes.

Total travel time: Two hours, 35 minutes (excluding transfers).

16. Jahorina, Bosnia and Herzegovina

Jahorina is filled with natural beauty in the winter months, and the mountain even hosted the women's alpine skiing events in the 1984 Winter Olympics.

Nearest airport: Sarajevo

Route:Three hours, 55 minutes from London to Sarajevo (connecting flights via Cologne), followed by a 30-minute taxi journey.

Total travel time: Four hours, 25 minutes (excluding transfers).

15. Mount Etna, Sicily

While temperatures in Sicily reach freezing in Winter, it is possible to ski on top of one of the hottest places on Earth. There are two small ski resorts on the north and south sides of Mount Etna — Europe's largest active volcano. According to the Etna Ski website, the lack of tall trees on the slopes gives the landscape an "almost lunar" appearance.

Nearest airport: Catania

Route:A three hour, five-minute flight from London to Catania, followed by a one hour, 45-minute taxi journey to Etna.

Total travel time: Four hours, 50 minutes (excluding transfers).

See the rest of the story at Business Insider

Here's how much it would cost to buy the White House


White House

The White House is worth $397.9 million, according to the real-estate listings firm Zillow.

The home of every US president except George Washington gained 15% in value during President Barack Obama's eight years in office, according to a release published Tuesday. Zillow said it first calculated the White House's worth in 2009 using a proprietary algorithm.

"President Obama's term coincided with a massive recovery of the US housing market, and that's reflected in the updated value of the White House," the release said. "Home values across the country are growing at their fastest pace since 2006, with many markets setting new records — one of the reasons why the White House is worth more now than it has ever been."

In October, US home prices extended to their best levels since the financial crisis, according to the latest data from S&P/Case-Shiller.

Renting the 132-room building at 1600 Pennsylvania Ave. would set you back $2.1 million every month, according to Zillow. In fact, Zillow has a listing page for the White House that shows off features including a fitness center, basketball court, and controlled access.

It's obviously off the market since President-elect Donald Trump effectively signed the lease in November. Trump will move from his equally luxurious digs in Trump Tower in New York.

Unlike many former presidents, the Obamas will live in Washington, DC, after they leave the White House later this week. Their new home, a nine-bedroom house in the nearby neighborhood of Kalorama, was sold for more than $5 million in 2014, according to CNN.

Zillow estimated that the Obamas' monthly rent there would be $22,000. Ivanka Trump and Amazon CEO Jeff Bezos will be close neighbors.

SEE ALSO: TIFFANY & CO.: Trump Tower is killing our business

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NOW WATCH: Wendy's is roasting people on Twitter, and it's hilarious

Manhattan’s first micro-apartments just won a prestigious design award — here’s what it’s like to spend a night in one



People often assume that New Yorkers live in shoe-box–sized apartments.

But Manhattan's first (and only) official micro-apartment building at Caramel Place takes small to a new level. The units have less space than an average studio — but they're much better designed. The idea is that the minimalist, chic design makes ultra-tiny living possible.

Designed by nArchitects, Carmel Place recently won a prestigious 2017 Honor Award from the American Institute of Architects, the US' biggest architecture association. On January 13, the jury announced that "Carmel Place represents a new housing paradigm for the city's growing small household population."

Completed in early 2016, the units at Carmel Place range from 260 to 360 square feet. For comparison, the average Manhattan studio is twice that size, and a standard one-car garage is about 200 square feet.

To make the limited square footage more livable, developer Stage 3 Properties enlisted the help of the lifestyle design company Ollieand Screech Owl designer Jacqueline Schmidt. The team meticulously designed 17 of the 55 units with space-saving furniture and accessories.

Unlike most apartments in Manhattan, the ones at Carmel Place are designed from the ground-up for minimalist living, Schmidt told Business Insider. In June 2016, when Carmel Place's first residents moved in, I spent a night in a 308-square-foot furnished apartment.

Here's what happened.

SEE ALSO: The 11 best new buildings designed by American architects

Carmel Place is located in Kip's Bay, a neighborhood on the east side of Manhattan near the East River.

The nine-story building features 55 units. The first 36 tenants moved in June 1, 2016, Ollie co-founder Andrew Bledsoe told Business Insider.

About half of the building's studios are furnished by Ollie. The service also includes WiFi, cable, and subscriptions to the events club Magnises and the butler service Hello Alfred.

Every week, a Hello Alfred employee makes the bed, changes the linens, grocery shops, mails packages, replenishes household staples, and drops off laundry and dry cleaning.

Depending on whether the apartments include Ollie's amenities, monthly rents range from $2,450 to $3,000.

When I walked in, the apartment looked stunning. The majority of the furniture was white, which made the room seem a lot larger.

See the rest of the story at Business Insider

Photos of the stunning inaugural ball gowns worn by first ladies over the last 50 years

There are two money moves every parent should make before having kids


pam pregnant

Between preparing the nursery, reading all the right books, and stocking up on bottles and onesies, the checklist of what parents need to do to prepare for a new baby is long.

But it's crucial not to forget getting their finances in order as well. 

Business Insider recently asked parents to weigh in on the financial side of having kids. When asked what they'd tell new parents to do with their money before having their first child, respondents overwhelmingly said two things: travel and save more.

It's no surprise that bulking up savings topped the list: The average American family pays over $11,000 just in the first year of a child's life, and nearly $250,000 by the time they're 18

And even though parents are saving more than ever for college, they're still coming up short. According to Fidelity's 10-Year College Progress Report, nearly half of all parents admit feeling off-course to reach their target amount before their child packs up for freshman year. Parents with kids in 10th grade or higher also admitted they wish they had saved more early on to give their investment time to grow.

Several respondents also encouraged traveling and soaking up life as a couple one last time before starting a family. "Enjoy being just a twosome because after kids that time is gone for at least a few decades," one parent told Business Insider. 

Below, we've anonymously highlighted 11 of the best responses of what real parents suggest doing with your money before having your first kid (Note: Responses have been edited for length and clarity.)

  • "Save! There are a lot of expenses that come with pregnancy and delivery, and with adoption, too, if you're going that route. You need to save for those expenses. You're also responsible for another human being now. That means you need to create more financial security and stability. So you need a bigger emergency fund than you'd need without kids. Definitely start planning and saving an extra two or more months' worth of expenses in your emergency fund."
  • "Take a 'once in a lifetime' trip."
  • "Invest as much as possible. It's been very helpful to have additional sources of income from active investments such as real estate."
  • "Make sure you have an emergency fund for home repairs. Then make sure you are putting away money into retirement. Then make sure you have a regular savings account. I also think you should sit down and really know where all your money goes, like, how much do you spend on entertainment and dinners out...things like that."
  • "Start a baby fund account, and put at least $40 in there per week, you will constantly be needing new and costly things even when you think you have it all."
  • "Start saving for college and for your retirement, vacation together — mutual satisfaction is better than self-actualization."
  • "Beyond looking at how much the gear is going to cost — stroller, crib, high-chair, etc. — look at the additional ongoing expenses, particularly in the first few years before elementary school. From diapers and formula early on to child care and after school expenses (Every ballet, gymnastics, or swim lesson in the Bay Area costs $97 a month on a subscription basis per child — ugh!)."
  • "Do some traveling; enjoy being just a twosome because after kids that time is gone for at least a few decades."
  • "Set up a savings account just for college. Sit down together and discuss your values on money and what you each feel your kids participate in. i.e. what is really necessary and what is just marketing." 
  • "Travel! ...and start saving for colleges/weddings."
  • "Start saving for your retirement!"

SEE ALSO: 12 parents reveal their best money-saving tips

DON'T MISS: 9 parents reveal the money habits they plan to pass on from generation to generation

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NOW WATCH: Don't be afraid to cancel cable — here's how to watch all of your favorite shows for less than $42 a month

Trump's childhood home in New York City is going up for auction — take a look inside


Donald Trump's childhood home

The owner of an unassuming property in Queens, New York, is betting that a brief connection with President-elect Donald Trump will provide a happy return.

The two-story, Tudor-style home where Trump once lived as a child will hit the auction block on January 17.

The home is unremarkable except for its historical link to the president-elect, but that fact is key, the auction company's principal auctioneer told The New York Times.

"It's unique, and it has intangible value that goes beyond just the physical real estate," Paramount Realty USA's Misha Haghani told the Times. "You're not actually getting anything of tangible value for the Trump association."

The auction is blind and does not have a target price. The property was originally put up for sale for $1.6 million in 2016, though that price was later reduced to $1.2 million. The listing was taken down due to lack of interest, according to the New York Post, and the previous owners, Isaac Kestenberg and his estranged wife, Claudia, planned to auction it off in October 2016. It later sold to its current owner, real estate prospector Michael Davis, for $1.25 million in December.

Before this, the home last changed hands in 2008, when it was purchased for $782,500.

SEE ALSO: See inside the $5.5 million Washington, DC, home where Ivanka Trump and Jared Kushner are reportedly moving

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Donald Trump's childhood home is situated in the neighborhood of Jamaica Estates in Queens, New York.

The petite 40' x 120' suburban lot fits in with the rest of the neighborhood.

The rear of the Tudor-style home includes a sun porch.

See the rest of the story at Business Insider

One Chinese city built more skyscrapers in 2016 than the US and Australia combined


guangzhou international finance center tallest buildingsChina added an impressive 84 skyscrapers to its skyline in 2016, setting a record for the nation.

But the real prize goes to the so-called Silicon Valley of China, which built 11 new towers.

Shenzen, a city in southern China populated by seven million people, saw more skyscrapers completed in 2016 than the US and Australia combined, according to Quartz

Less than 20 years ago, Shenzhen was little more than a pit stop on travelers' way to Hong Kong. Today, it's a glittering financial center known for electronics and manufacturing. Shenzhen has been compared to Silicon Valley since it's home to Chinese tech giants like Huawei and Tencent, as well as the country's hottest real estate market.

Three towers in Shenzhen made it into the top 20 tallest buildings of 2016:

The Shenzhen CFC Changfu Centre, also known as Chang Fu Jin Mao Tower, is an office building that soars 998 feet. Its neighbors come nowhere close.

Shenzhen CFC Changfu Centre Complex

Riverfront Times Square, is a mixed-use office and hotel development that stands 961 feet. Its pagoda-like silhouette marks a departure from a recent architectural trend in China that emphasizes sleek and modern design.

Riverfront Times Square

Rounding out the top 20 tallest buildings list is China Chuneng Tower, a 947-foot-tall office building. Its metal lattice makes it a little bit of a bore.

China Chuneng Tower

China has topped this list, created by the US-based Council on Tall Buildings and Urban Habitat, for nine years in a row. The construction boom shows no signs of slowing down, with 328 skyscrapers under construction in 2017, Quartz reports.

SEE ALSO: 12 of the most beautiful new buildings in China

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NOW WATCH: China just opened a massive floating walkway that’s 2X longer than Manhattan

10 cities where college graduates owe more than they earn


Cleveland, Ohio

Students rack up thousands of dollars in loans working their way through college on the assumption that a degree opens doors to the high-paying jobs that will help them pay it all off and become financially independent. But unfortunately, that's not always true. 

Despite increases in student loan debt, not all local economies are equipped to offer the salaries necessary for graduates to get out of the red.

Credit Sesame, a credit and loan management company, took a look at the places where the median annual income for those with a bachelor's degree or higher is less than the average student loan balance. In short, places where graduates owe more than they're earning. 

To find these cities, Credit Sesame analyzed its database of over eight million people, comparing average student loan debt per person to median annual household income in locations with a minimum of 350 Credit Sesame members. 

While cities like San Francisco and New York have a high cost of living, the prevalence of lucrative jobs in tech and finance tempers the debt-to-income ratio. Credit Sesame found that cities without a major industry like these typically offer lower salaries, so residents remain saddled with debt.

Read on to see 10 cities where college graduates earn less per year on average than they owe in student loans. 

SEE ALSO: Here's what a 4-bedroom home looks like in America's most expensive neighborhoods

DON'T MISS: 25 colleges where students love life

10. Richmond, Virginia

Average student loan balance per person: $52,810

Median salary for graduates with at least a bachelor's degree: $42,499

Debt-to-income ratio: 124%

9. Nashville, Tennessee

Average student loan balance per person: $52,253

Median salary for graduates with at least a bachelor's degree: $42,016

Debt-to-income ratio: 124%

8. Dayton, Ohio

Average student loan balance per person: $43,144

Median salary for graduates with at least a bachelor's degree: $33,762

Debt-to-income ratio: 128%

See the rest of the story at Business Insider

No one wants to buy Celine Dion's lavish Florida mansion, which has gotten $34 million in price chops since 2013


Celine Dion

Another year, another price chop for Celine Dion's extravagant Jupiter Island property.

The price for the lavish house now stands at $38.5 million after a series of price chops over the last four years, according to The Wall Street Journal. It was originally asking $72.5 million in 2013.

The singer had previously lowered the price to $45.5 million after her husband, René Angélil, died last year.

Dion and her late husband bought the lot for $12.5 million in 2005 and the adjacent mansion for $7 million in 2008. They then razed the existing home to build the current spread.

The 5.5-acre property has views of the Atlantic Ocean, a four-bedroom guesthouse, a simulated golf range, pool house, and three separate pools. The main residence alone measures close to 10,000 square feet, with five bedrooms and a custom-designed walk-in closet. That closet even has an automated rack for clothing, as well as an automated carousel for shoes. 

Dion is selling the property because she spends most of her time in Las Vegas, where her residency at Caesars Palace will continue until 2019, according to the WSJ.

Cristina Condon of Sotheby’s International Realty now has the listing.

Megan Willett contributed to a previous version of this post.

SEE ALSO: Jeff Bezos reportedly just dropped $23 million on the biggest home in Washington, DC — see inside

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Welcome to Celine Dion's 5.5-acre compound on Jupiter Island in Florida.

The singer is selling the property for $38.5 million.

Source: Sotheby's International Realty

She and her late husband custom-designed the property themselves after buying two lots and razing one of the existing homes.

See the rest of the story at Business Insider

The 20 best college towns in America



Boulder, Colorado, is the top-ranked college town in the US, according to a new list from the American Institute for Economic Research.

The city of roughly 200,000 earned the top spot thanks to its accessibility — more than 20% of commuters take public transportation or cycle around Boulder Creek Corridor — and diverse and educated population. Boulder also has an active bar-and-restaurant scene, with plenty of coffee shops and microbreweries.

AIER compiled its list using nine economic, demographic, and quality-of-life factors. It defines small towns as having fewer than 250,000 residents.

Aside from the overall ranking, we included cities' individual scores for noteworthy metrics including rent, earnings, and bars and restaurants. We chose the one metric that the city scored the highest in out of the nine.

Scroll through to find out the 20 best college towns.

SEE ALSO: 14 things that are harder to get into than Stanford

20. Bellingham, Washington — home of Western Washington University

Population: 208,832

College student population in the metro area: 24,926

No. 4 in arts and entertainment

19. La Crosse, Wisconsin — home of the University of Wisconsin at La Crosse

Population: 136,824

College student population in the metro area: 16,081

No. 1 in youth unemployment

18. Jacksonville, North Carolina — home of the University of Mount Olive

Population: 186,684

College student population in the metro area: 15,297

No. 3 in rent

See the rest of the story at Business Insider

A high-powered CEO uses this 50-minute workout to stay in incredible shape

7 signs your relationship is failing — even if it doesn't feel like it


drake and rihanna

Ever broken up with someone only to realize that your friends saw it coming half a year ago? Yeah. Thanks, guys.

The thing is, it can be hard to spot even glaring flaws in your relationship while you're in it. With that in mind, Business Insider rounded up seven science-backed indicators that there might be trouble in your romantic paradise.

Before you read on, we should note that if you recognize one or more of these patterns in your relationship, that does not necessarily mean you're destined for a breakup.

Keep in mind that these signs reflect general trends and might not fit your particular relationship. Plus, if you get the sense that there might be problems, it's up to you to decide how best to address them.

So don't get paranoid — but do get reflective — and check out what science has to say about the road to Splitsville.

1. You see your partner more or less as they are

Call it the "Shallow Hal" effect: A growing body of research suggests that partners who have "positive illusions" about each other are more likely to stay together. In other words, in stable, satisfying relationships, each partner somewhat idealizes the other and sees the best in them.

For example, you might rate your partner as more attractive, kinder, and smarter than they would rate themselves.

On the other hand, if you still see your partner as meh in the looks, intelligence, and kindness departments — and as totally different from your ideal mate — that's probably not a good sign.

2. You view your partner as beneath you

John Gottman, a psychologist at the University of Washington and the founder of the Gottman Institute, has spent decades studying the science of relationship satisfaction and stability.

As Business Insider's Erin Brodwin has reported, Gottman and his colleagues have come up with four factors — known as the "four horsemen" — that can reliably predict divorce: contempt, criticism, defensiveness, and stonewalling.

Contempt, or seeing your partner as beneath you instead of as an equal, is what Gottman calls the "kiss of death" for a relationship. Here's an example of what someone displaying contempt in a relationship might say to their partner, from the Gottman Institute website:

"You're 'tired'?! Cry me a river… I've been with the kids all day, running around like mad to keep this house going and all you do when you come home from work is flop down on that sofa like a child and play those idiotic video games. I don't have time to deal with another kid…just try, try to be more pathetic…"

Same goes for name-calling, mimicking, and eye-rolling — they're evidence that something is going wrong.

Woman Flirting

3. You think you have a good 'alternative' partner

If you think you'd be happier dating one of your friends, and that that person might want to date you, too ... you might be in trouble.

In one study, undergrads in relationships answered questions about their best alternative to their current relationship, their best imagined alternative, and how easily they thought they could find someone to replace their current partner.

As it turned out, participants who had more desirable realistic or imagined partners, and who thought they could find an alternative partner more easily, were less likely to be in the same relationship three months later.

4. You feel stuck in the relationship

Fascinating research suggests that material constraints — think a joint bank account or a shared lease — make it less likely that an unmarried couple is going to break up.

On the other hand, what the researchers call felt constraints — wanting to leave but feeling trapped, for example — make a breakup more likely, even within eight months. The researchers write:

"[A]lthough felt constraint likely slows down a break up because it reflects a sense that termination would be emotionally or tangibly taxing, it nevertheless predicts termination because it also reflects strong feelings of wanting out."

Bottom line: If you feel like you want out, you probably will get out eventually.

5. You or your partner are dissatisfied with the relationship 

A Norwegian study of thousands of pregnant women and their male partners found that the predictors of a breakup differed between genders.

Specifically, a woman's dissatisfaction with the relationship was a strong predictor that a relationship would end. The 20% of women in the study who reported the lowest relationship satisfaction were three times more likely to experience a breakup than the most satisfied women.

Interestingly, previous studies in the US had found that a man's dissatisfaction is a better predictor of relationship dissolution. The researchers behind the Norwegian study say it's possible that women in Norway in the early 2000s (when the study was conducted) were more independent than women in the US in the 1980s and 1990s — and therefore felt freer to end a dissatisfying relationship.

rollercoaster upside down

6. You have a lot of dramatic downturns in your relationship

Researchers recently looked at nearly 400 dating couples in their mid-20s and used their feedback about their relationships to identify four patterns of commitment: dramatic, conflict-ridden, socially involved, and partner-focused.

As psychologist and relationships expert Gary Lewandowski explains on Science of Relationships, dramatic couples showed a lot of fluctuation in their commitment to their partners over time. Lewandowski writes that they spent more time apart; they had lower opinions of the relationship; and their family and friends were less supportive of the relationship.

Partner-focused couples saw their partners positively and mostly experienced fluctuations in commitment when they couldn't spend as much time together.

Socially involved couples usually experienced fluctuations when their friends and family changed what they thought of the relationship.

Finally, conflict-ridden couples fought often and had a lot of mini-fluctuations in their level of commitment.

As it turns out, dramatic couples were twice as likely to break up than couples in the other three groups, while partner-focused couples were most likely to get more serious in their relationship.

7. You and your partner don't 'bridge' each other's social worlds

In 2013, Business Insider's Jim Edwards reported on somewhat creepy research that found it's possible to see a breakup coming simply by looking at a couple's friend networks on Facebook.

The researchers, from Cornell University and Facebook, looked at a whopping 1.3 million Facebook users who had indicated that they were in a relationship. They were looking specifically at instances when someone's relationship status changed to "single."

Their analysis found that the main predictor of whether two people are in a relationship is whether they have distinct groups of friends who are connected mostly through the couple. (You can see a cool diagram of what this network looks like in Edwards' article.) "You might expect that a cluster of mutual friends indicates two people are in a relationship but the opposite is the case: You're more likely to have cluster of mutual coworkers listing each other as friends than a couple," Edwards wrote.

"A spouse or romantic partner is a bridge between a person's different social worlds," one of the researchers told The New York Times.

When their algorithm failed to pick up this pattern, the couple was about 50% more likely to have broken up 60 days later.

SEE ALSO: 8 signs you're in a strong relationship — even if it doesn't feel like it

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