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Cruise ships are adding spin classes and DJ sets to attract millennials (RCL)

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Harmony of the Seas Royal CaribbeanCruise companies are hoping that it's no longer just the "newlyweds and nearly dead" who want to vacation on the high seas. Rich millennials — an age group that has been shown to favor spending money on experiences over luxury goods — are becoming a target for the $39.6 billion global cruising industry.

To attract these new customers, cruise companies are spicing up their ships. Think: surf simulators, rock climbing walls and spin and yoga classes, as well as onboard cocktail mixologists and DJs.

"Cruises have this unique opportunity to really grow in this market because they have already got what the market wants," Kacha Azema of Skidmore Studio, an ad agency that works with cruise ship companies to help them engage with millennials, said to Business Insider. "They don't have to turn themselves into something they're not. They’re going to exotic, interesting destinations and are doing things that millennials want to do."

Uniworld's U European river cruise, for example, sets sail in 2018. It's a trip aimed specifically at those between the age of 18 and 40, and it claims to offer "immersive and adventurous experiences along the Instagram and Snapchat-worthy rivers of Europe," the company said in a press release in December.

The point is to create moments that their young guests will share on social media, and by offering short, shareable excursions, they are able to do that, Azema said.

"Culturally millennials are attuned to watching what their friends do, being excited about it, and wanting to do it themselves," he said.  

New York Times writer Sheila Marikar shared her experience aboard the Regent Seven Seas Explorer last week. She wrote that the ship, which was launched in July 2016, was finding ways to target her age group.

"The pool deck echoed the over-the-top sensibility, with furnishings that are reminiscent of Miami or Mykonos," she wrote. "By the bar, women in leather moto jackets sipped white wine, and a D.J. spun Fleetwood Mac (a win on both demographic fronts)."

regent seven seas explorerA spokesperson for Regent told Business Insider that the boat is not aimed specifically for millennials, and that it's meant to be an aspirational product for this age group. Given that prices start at around $5,799 per guest, based on double occupancy for a 10-night stay, it's not within reach for everyone.

But this is one of the big challenges that these companies face. They need to find ways to draw in this younger generation without alienating others — specifically, the older generations who are still their core customers.

In October 2015, Royal Caribbean launched an ad campaign called "Come Seek." At the time, Royal Caribbean CMO Jim Berra told Adweek: "'Come seek' is designed to attract the next generation of cruisers. For them, trying new things, taking the road less traveled and sharing their experiences via social media is core to how they enjoy life."

But they were careful not to turn their ships into "party boats" and focused on experiences that can be enjoyed by different age groups.

"It's not just: 'Hey, here are smiling, young, skinny people,'" Azema said. "We are showing people of all ages and focusing on activities that are appreciated by all ages."

 

SEE ALSO: 13 things every guy needs in his wardrobe for spring

DON'T MISS: 26-year-old 'echo boomers' are running wild in America

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NOW WATCH: For $159,000 you can fly around the world on this 27-day luxury air cruise

The most famous author from every state

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george r.r. martin

First, we looked coast to coast to find the most famous book set in every state. Now we're hitting the books to discover the most famous author from every state.

Not all the choices were cut and dry. To qualify for this list, the famed authors had to be born in their respective states, but not necessarily live out their years there.

We considered the authors' fame in terms of ubiquity, acclaim, and financial success — and awarded bonus points if the author showed state pride by setting their works there.

Melissa Stanger contributed reporting on a previous version of this post.

SEE ALSO: The most famous book set in every state

ALABAMA: Harper Lee

Known for: "To Kill a Mockingbird"

Harper Lee was born and raised in Monroeville, the inspiration for the fictional town of Maycomb in her classic novel. The Monroe County Courthouse, where Lee watched her father practice law as a child, currently operates as a museum.

The University of Alabama alumna lived in Monroeville, just a short drive from the Mockingbird Grill and Radley's Fountain Grille, until her death in 2016.

Buy her most popular book »



ALASKA: Sidney Huntington

Known for: "Shadows on the Koyukuk: An Alaskan Native's Life Along the River"

Alaskan elder Sidney Huntington recounts his adventures, tragedies, and ultimate success in this dramatic autobiography, co-written with Jim Rearden.

Huntington's greatest contribution to his home state was his 20 years of service on the Board of Games, a government department whose mission is to conserve and develop Alaska's wildlife resources.

Buy his most popular book »



ARIZONA: Jeannette Walls

Known for: "The Glass Castle"

In her memoir, Jeannette Walls examines her struggles in her youth to overcome poverty and become self-sufficient. Her family moved like nomads across the Southwest, but the first place she remembers living is a small trailer park in Arizona.

A veteran of "writing what she knows," Walls also published a biography of her grandmother, an iron-willed Arizona cattle rancher, titled "Half Broke Horses."

Buy her most popular book »



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A sommelier explains why a $15 bottle of wine can be marked up 400% in a restaurant

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mark oldman office

Anyone who's ever dined out knows a glass — or bottle — of wine is a quick way to inflate your bill.

But why can you buy an entire bottle of wine for $15 at a liquor store, while the cheapest option at the local Italian place is a $13 glass of Chianti?

In his book "How to Drink Like a Billionaire," sommelier Mark Oldman writes that a typical restaurant marks up a bottle of wine at least 200%. That bottle of wine purchased for $15 wholesale, then, quickly becomes a $45 bottle of wine, and it may be marked up by as much as 400% — plastering on a $75 price tag.

"The need to cover glassware, staff wages, rent, inventory — the reasons are sundry for why wine is marked up an average of three times or 300 percent over the restaurant's wholesale cost, and sometimes much more than that," Oldman writes. "But to diners, wine pricing in restaurants seems less like money management and more like cash extraction."

Oldman says aside from the costs of running a restaurant, the location and size of the establishment affect the price, as well as whether management thinks the customer will notice: "A restaurant that purchases a bottle for $5 wholesale can mark it up a dizzying 600 percent to $30 without most diners noticing," he writes. But those same diners are much more likely to balk at a 600% markup on a $30 Bordeaux.

And prices of wines by the glass are the most inflated. "Wines by the glass are so marked up that it is practically industry scripture that the cost of the first glass covers what that restaurant paid wholesale for the bottle," he writes. Instead, knowing a typical bottle holds five five-ounce servings, he recommends dividing the price of a bottle by five to figure out how much you're paying for a glass.

To find restaurants that "play fair" with their wine lists, Oldman provides a list of tips, including:

Avoid hotel restaurants. "Catering to business travelers, wedding parties, and other free spenders, hotels often price their wines like they do that hamburger that somehow costs $40 through room service."

Ask about corkage fees. "Is the restaurant's corkage fee for BYO unusually high? If so, then they are probably similarly rapacious when pricing the wine."

Go where the pros go. "Every city has certain restaurants favored by chefs and sommeliers, and these tend to be the ones with more reasonable wine markups. Follow them on social media or use Google to see where they are regulars."

If that last tip appeals to you, Oldman himself is on Instagram and Twitter as @markoldman.

SEE ALSO: The perfect wine to drink with 9 cheap snacks in the back of any pantry

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NOW WATCH: Here's how much you need to make to be in the top 1% of every state

Adidas is launching an unprecedented attack on Under Armour's home turf

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Adidas

Adidas is doubling down on its American invasion. 

The German sportswear giant is increasing its focus on the US market, where it's taking the fight to its rivals Nike and Under Armour.

Adidas has been on a tear as of late, riding the tide of better-performing lifestyle products like its Originals, Neo, and Y3 lines. According to Bloomberg, sales of those categories rose 45% in 2016, amid a slump in traditional performance-oriented sportswear.

"The lifestyle market is a lot bigger than the sports market, so we have to participate in that," outgoing CFO Robin Stalker said at a press conference. "There are the Stan Smiths and Superstars, but there are also other products we will manage over many seasons.’"

Casualwear is now 30% of Adidas' sales, which is indicative of broader industry trends that have consumers shifting away from the performance-oriented offerings of brands like Under Armour. 

The focus on the US market makes sense for Adidas, as it's one of the largest in the world for sportswear. Roughly 85% of Under Armour's revenue comes from North America. The US is also the only market where Adidas trails sportswear leader Nike by a significant market share, and it's looking to make up some ground with its new initiatives.

Kasper Rorsted

Adidas said it is looking to adopt a model that's similar to fast-fashion houses, where product can be ordered based on demand instead of in bulk. It also aims to quadruple its online sales to 4 billion euros by 2020. The brand said it is looking to offload its non-core businesses, like its Taylormade golf products and the hockey brand equipment brand CCM, so it can focus on the namesake brand and a still-struggling Reebok.

The company raised its outlook ahead of its 2016 earnings announcements, saying it expects profits to raise in the low 20% range each year until 2020.

SEE ALSO: Under Armour made some huge mistakes that are turning into a nightmare

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NOW WATCH: Sneaker fanatics are driving a massive $1 billion resale market

12 things successful married couples do with their money

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Bride and groom wedding day

Saying "I do" is more than just a commitment to share your life with someone, it's also a pact to share your finances. Once you walk down the aisle, every money-minded decision you make — from saving for retirement to going out to lunch — affects your partner as well.

While there's no magic formula for a successful marriage, there are steps any couple can take to increase their chances of a long and happy life together, starting with their finances.

Business Insider spoke with multiple financial experts about what successful married couples do with their money. Here's what they had to say:

They put their cards on the table

As soon as they get married — or ideally, before — successful couples show their entire hand to their partner. That means coming clean about their salaries, credit card debt, student loans, credit score, and anything else that might affect their financial future as a couple.

"They should sit down and have a very open and honest discussion about their money and what they have," Pam Horack, CFP and "Your Financial Mom" at Pathfinder Planning LLC, told Business Insider. "That's really the first place to start, just to make sure and get organized so that they each know what the other person has."

They talk about money — a lot

When it comes to synthesizing money and marriage, it doesn't matter so much what couples do with their cash, but that they make decisions together and respect each other's opinions.

"Be open and be honest," Katie Burke, CFP at Wealth by Empowerment, told Business Insider.  "I think that having a disagreement — agreeing to disagree — is not a bad thing. Because hearing what someone else has to say, it may or may not make sense to you, but it helps to have another side to something. Be patient and just hear someone out."

Just as each relationship is unique, each couple's financial situation is as well. Spouses should discuss joint banking accounts, who's paying which bill, and how they want to use any discretionary income as a team. At the end of the day, it's all about clear communication.

"It's knowing what the other person is spending on or saying, 'Hey, this other person has $200 a month that I don't know what they're spending on, and that's okay.' It's being okay and trusting that other person that they can spend their money on whatever," Horack says.

They work toward specific goals

Successful couples come up with goals together and check in frequently to make sure they're on the same page.

"While you may have different ways you handle your money on the day to day, when you know what you're both collectively working towards for the long term, you'll be able to make decisions that help you get closer to these goals," Pamela Capalad, CFP and founder of Brunch and Budget, told Business Insider.

Do you want to purchase a home together? Are you saving up for kids? How much of your paycheck should go toward retirement? Successful couples talk about where every dollar is being spent and retool their goals annually, Burke says.

They divvy up responsibilities

Whether or not you open joint accounts, as soon as you get married tasks like paying the rent or mortgage, utilities, retirement accounts, and other expenses and bills become the responsibility of both parties. Successful couples don't assume their partner will take care of certain aspects, they work together to divvy up financial responsibilities.

"Decide how you're going to handle the finances and who is handling what," says Capalad. "There is no right answer, but it's important to be on the same page and not let it default to one person or the other without having a conversation about it."

They buy enough insurance

The biggest financial mistake Sophia Bera, CFP and founder of Gen Y Planning, sees 30-somethings make is being underinsured — especially if they have another person depending on them, such as a spouse or children.

"In your 30s a lot of people have kids, a lot of people are married, have homes, our lifestyle is a little bit more expensive, and we're also responsible for other people," Bera told Business Insider during a Facebook LIVE. "And oftentimes we are underinsured in terms of term life insurance."

When couples bind their lives together, it doesn't just create an emotional bond, but a financial one as well. If something were to happen to either spouse, it's better to be safe than sorry and know the other person is taken care of.

Bera recommends getting a term life insurance policy that's seven to 10 times your salary — enough to be able to cover your income, pay off a mortgage, and take care of your kids if anything were to happen to you.

Prince George

They create a will

Though often overlooked, estate planning documents, such as wills, are key factors in a successful financial future. As soon as they walk down the aisle, couples should think about naming beneficiaries, healthcare proxies, and powers of attorney. When kids come into play, it's important to name guardians for them as well, Burke says.

Not only that, but couples should update these documents at least every five years, as goals and circumstances can drastically change over time, Burke says.  

They don't judge each other

Everyone has different priorities, and part of operating within a partnership is to respect your partner's choices. That includes keeping an open mind if your spouse's spending habits differ from your own.

"Don't judge what your spouse spends their money on," Capalad says. "If you truly think your partner has a spending problem, then it's time to have an honest and loving conversation with them. If you're just annoyed that they spent money on something that you would never spend money on, then take a step back, take a breath, and give your partner the benefit of the doubt."

Horack agrees. She emphasizes the importance of trusting your partner and letting them spend money on whatever makes them happy, as long as it's not to the detriment of your finances overall.

They live below their means

Just because you can technically afford a $500,000 house doesn't mean it's the best choice for your family or your finances. Purchasing a home at the top of your budget ties up cash you could be putting toward other goals, such as travel, college funds, or retirement savings.

"Spend less than you think that you need to," Horack advises.

She emphasizes that "everything we have … it's all temporary." Will you downsize after your kids head off to college? How long will you have your car before trading up to a newer model? At the end of the day, many 'big' purchases aren't as permanent as they seem.

They don't hide anything from each other

Successful couples "never hide [money] from each other and they never use it as a point of resentment or as a weapon in a conversation," Capalad says.

From revealing their credit card debt to discussing day-to-day purchases, couples in successful marriages aren't secretive about money. They're open with each other about their spending habits and aren't afraid to own up to their mistakes, Horack says.

She warns that hiding money mistakes from a partner can lead to distrust and create bigger issues down the line.

couple autumn walking behind

They set ground rules

Melding your finances with another person's can be overwhelming. Your spending habits are no longer purely your own; they affect someone else as well. That's why it's crucial to decide how and when you'll spend, and create a set of ground rules for handling money that works for both you and your spouse.

"[You] need to figure out how [you're] going to budget, that's the biggest thing," Horack says. "There's no wrong way to do it, but [you] both need to agree on what the process is, who's paying for what."

They have a prenup

"To people who are considering marriage, I highly recommend a prenuptial agreement," Burke says. "Unfortunately, most marriages end in divorce. So why not have that conversation when you can have the conversation? Not necessarily who's going to get the house, but the financial side of things."

If prenup talk seems like too loaded of a conversation to have before the wedding, Burke suggests discussing a post-nuptial agreement instead, where couples create the document together after they're already married. It serves the same purpose as a prenup, but allows the couple to discuss their options without the pressure of their impending wedding.

Even if they decide against getting a prenup, it's smart for couples to at least have the conversation.

They have fun together

"Dealing with your finances in general will always be stressful at one point or another, but at the end of the day, money is a means to an end, and part of that end is being able to nurture your relationship," Capalad says.

Money can be a point of contention, but successful couples don't let it run their relationship. They don't make it the ultimate goal, they use it to fuel other goals.

"When you can find ways to remind yourselves why you're together in the first place, it makes all the smaller arguments seem much less important," Capalad says.

SEE ALSO: A financial planner reveals the best money habit for 30-somethings

DON'T MISS: The 'bad' money advice people need to stop taking, according to former Wall Street executive Sallie Krawcheck

Join the conversation about this story »

NOW WATCH: 5 facts about relationships everyone should know before they get married

Mark Zuckerberg and Priscilla Chan are expecting another baby

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Mark Zuckerberg and Priscilla Chan

Mark Zuckerberg and his wife, Priscilla Chan, are expecting another baby girl, the Facebook CEO announced on Thursday.

The baby will be their second child after their 1-year-old daughter, Max.

"After our difficult experience having Max, we weren't sure what to expect or whether we'd be able to have another child," Zuckerberg wrote in a Facebook post.

"When Priscilla and I first found out she was pregnant again, our first hope was that the child would be healthy. My next hope was that it would be a girl. I cannot think of a greater gift than having a sister and I'm so happy Max and our new child will have each other."

After their daughter Max was born in December 2015, Zuckerberg and Chan announced their philanthropic Chan Zuckerberg Initiative to give away 99% of their wealth. They've since made investments in education and committed to spending billions on scientific research to cure the world's known diseases.

Join the conversation about this story »

NOW WATCH: Here’s the best way to answer Facebook’s most popular job interview question

Immigrant tech workers in Silicon Valley share how Trump's travel ban has impacted their lives


7 myths about psychedelic drugs like LSD that are doing more harm than good

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mdma, molly, drugs

Scientists are increasingly hopeful that certain types of psychedelic drugs will one day be approved for medical purposes like treating depression and anxiety.

But what defines a psychedelic (or hallucinogen, as they are also known)? How is it different from other drugs like cocaine or alcohol? And what makes a "trip" on one psychedelic — like acid, for example — distinct from a trip on another? Read on to find out.

SEE ALSO: Why psychedelics like magic mushrooms kill the ego and fundamentally transform the brain

DON'T MISS: The truth about 'microdosing,' which involves taking tiny amounts of psychedelics like LSD

1. Psychedelics are the ultimate party drug.

The myth: Ecstasy (MDMA), acid (LSD), and magic mushrooms (psilocybin) are frequently portrayed as "recreational" or party drugs. 

Why it's bogus:Many scientists believe this label is unwarranted. Patients with cancer who have participated in clinical trials of psilocybin (the psychoactive ingredient in magic mushrooms) describe their psychedelic trip as anything but recreational. In most cases, these trips bring up feelings of panic, anxiety, and fear — feelings that eventually subside and are replaced by what appear to be lasting, positive personality changes. Some people describe being more optimistic about life; others say they've experienced a complete change in perspective that's allowed them to improve their relationships.



2. They're "all natural."

The myth: It's often assumed that hallucinogenic drugs like LSD, as opposed to stimulants like cocaine, are derived from nature.

Why it's bogus: While two hallucinogenic drugs — magic mushrooms and ayahuasca* — can be found naturally, LSD is made synthetically and usually processed into strips that can be absorbed by placing them on the tongue.

*Ayahuasca is brewed from the macerated and boiled vines of the Banisteriopsis caapi (yage) plant and the Psychotria viridis (chacruna) leaf, and it has been used for centuries as a traditional spiritual medicine in ceremonies among the indigenous peoples of Bolivia, Colombia, Ecuador, and Peru.



3: Psychedelics will always make you "trip."

The myth: If you take a hallucinogen, you will experience what's known as a "trip," which involves hallucinations that may include things like seeing sounds or hearing colors.

Why it's bogus: Most recent studies of psychedelics focus on "trip treatment" — essentially giving someone what's considered a "full" dose of psychedelics.

But as this important research has gained steam, so too has another trend that has not yet been studied: microdosing. Microdosing involves taking tiny doses of psychedelic drugs that are too small to induce a trip. Still, while people in Silicon Valley and elsewhere claim to be using microdosing to increase their productivity, it's impossible to say if these anecdotal reports are legitimate without further research.



See the rest of the story at Business Insider

One of Vans' classic skater shoes is suddenly blowing up the fashion world

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Vans Old Skool

First it was the Bean Boot. Then the Stan Smith. Now? The latest wildly popular footwear is the humble Vans Old Skool, a skater shoe that has surpassed its humble roots to become an icon in its own right.

The simple canvas shoes, identified only by their low profile and the thin leather line that snakes along the sides, seem to be popping up more and more often, even on those who don't come from a skater background. GQ spotted the trend back in August of 2016 after editor Max Berlinger noticed the shoe's increasing presence on stylish guys.

Vans confirmed to Business Insider that sales for the line of shoes were higher in 2016 than in previous years. The company points to the Vault by Vans project, which takes classic shoes and revamps them, as a factor that "ignited the interest in the Old Skool."

After designers like Marc Jacobs and Opening Ceremony signed on to collaborate with Vans on versions of the sneaker, the Old Skool enjoyed a higher profile. For the company's 50th anniversary in 2016, Vans reissued some classic designs with vintage silhouettes and expanded offerings. Particularly in the last two years, sales of the Old Skool have increased, and by fall of 2016, the shoe became one of Vans' highest-selling styles globally.

Vans Old SkoolA unisex style, the shoe's newfound popularity means that it now has a broader appeal, and the percentage being bought by women has increased. It now comes in a "pro" style that is a little more expensive and durable, as well as a lightweight model and a winter version that holds up better to inclement weather.

"Sneakers have become a wardrobe staple for many occasions, and the Old Skool has become one of those iconic models," Dabney Lee, senior director of merchandising for Vans' classics line, told Business Insider.

The Vans Old Skool's style dovetails well with broader industry trends, like the shift to lifestyle-oriented sportswear and the focus on simple designs in retro or classic styles. Similar consumer preferences led the Stan Smith to become a fashion favorite and a big hit for Adidas in 2015.

SEE ALSO: 13 things every guy needs in his wardrobe for spring

Join the conversation about this story »

NOW WATCH: A running coach reveals how often you should change your running shoes

How 'Jeopardy!' writers come up with the clues

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We recently had the opportunity to visit the set of "Jeopardy!" on a taping day and got to talk to the iconic host of the show, Alex Trebek. 

We also spent some time with the show's team of writers and researchers, who talked to us about their process for coming up with clues for every episode.

Join the conversation about this story »

A retired hedge fund manager is selling his 2-in-1 St. Barts estate for $67 million — take a look inside

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Girasol

A lavish Caribbean estate with a private beach and coconut grove has come onto the market for $67 million. 

Originally built by banker and businessman Benjamin de Rothschild, the so-called "Girasol" is set on more than seven acres of land on the Caribbean island of Saint Barthélemy, or St. Barts.

Its current owner is former hedge fund manager Bruce Kovner, who bought the estate in 2005 and gave it a major makeover, adding in a new pool and deck. The property includes two villas that have a total of six bedrooms and two pools.

Christian Wattiau of Sibarth Real Estate has the listing, while Christie's International Real Estate is providing global marketing services.

Let's take a tour of the incredible estate. 

SEE ALSO: One of the most infamous homes in the Hamptons is on the market for nearly $20 million — and it's got a brand-new look

DON'T MISS: 17 photos that show why the rich and famous flock to St. Barts in the winter

Girasol is set on seven acres of land on Marigot Beach in St. Barts and includes 175 yards of private beachfront. According to the listing, these waters are classified as a natural protected area.



"Girasol truly is a work of art with every detail perfectly and meticulously executed. The setting is truly a paradise, graced with the sounds and floral aromas which define St. Barth's living," Rick Moeser, executive director of Christie's International Real Estate, said in a press release.



A view from above shows its two mini mansions nestled in the middle of a green oasis that is home to nearly 600 different plant species.



See the rest of the story at Business Insider

One of the most popular ways of keeping your skin healthy is bogus — here's what you should do instead

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If you've ever used public transit, watched TV, opened a magazine, been inside a mall, or pretty much just left your house, you've likely seen one of these ads.

They almost always feature a young woman advertising a cream, lotion, or "targeted under-eye ointment" that promises to make your skin look like hers. (Wrinkles are generally accepted as a marker of character or wisdom for men, which is why these products aren't marketed to them.) Typically, said woman is staring at you — all sparkling eyes, flawless skin, and glossy lips — from some crystal-clear ocean or grassy, sun-drenched field. The product will "roll back the clock" or "give you youthful-looking skin," she claims. She might look something like this:

water woman ocean swim beach sun hair skin youth

But those expensive creams and lotions largely do nothing for your skin.

"If you're looking for a face-lift in a bottle, you probably won't find it in over-the-counter wrinkle creams. The benefits of these products are usually only modest at best," write the staff at the Mayo Clinic, America's best hospital according to the US News & World Report.

No matter how expensive the price tag or how exotic ingredients may seem, any skin care product that doesn't need a doctor's prescription is not required to undergo scientific research to prove its effectiveness.

Since they are not classified as drugs, Food and Drug Administration (FDA) law "does not require cosmetic products to have FDA approval before they go on the market."

As such, it's unlikely that the lotions, creams, sprays, and ointments you're putting on your face have undergone any type of scientific research, much less a study that proves their effectiveness in reducing wrinkles or boosting skin health (unless you got them from a doctor).

That said, some products are better than others. According to the Mayo Clinic, the following ingredients may help reduce the appearance of certain aging hallmarks, though the University of Maryland points out the evidence is scant:

So if most products won't help your skin, what should you do?

Instead of spending a fortune on any of these creams, dermatologists say the best thing you can do for your skin is prevent damage before it starts. And the way to do that is by wearing sunscreen — every day.

"The most important thing is to take care of your skin before all these changes start to take place," Suzan Obagi, an assistant professor in dermatology at the University of Pittsburgh and director of the Cosmetic Surgery and Skin Health Center, told Scientific American. "Sun protection against both UVA and UVB rays is critical 365 days a year using an SPF of at least 35."

lotion cream bag woman lady

It's also worth pointing out that wrinkles are not necessarily a sign of damage!

After age 20, our bodies produce about 1% less skin collagen, the main structural protein in our bodies and the thing that keeps skin supple. (Hence the appearance of wrinkles when there's less of it.) Fine lines do not mean there is something wrong with your skin.

"Under a microscope a biopsy of a wrinkle exhibits no telltale signs that reveal it to be a wrinkle," Obagi said.

Put another way, there's nothing negative happening on a microscopic level that is making your skin look wrinkly. It's merely a combination of several factors, including age, fatigue, and genetics.

So don't worry so much about finding the right cream or ointment — just make sure to wear sunscreen every day instead.

SEE ALSO: There's a bogus 'anti-aging' regimen for every decade, starting in your 20s

DON'T MISS: Most dietary supplements are useless, but here are the ones you should take

Join the conversation about this story »

NOW WATCH: These skincare products are a waste of money, according to a dermatologist

Starbucks' biggest competition isn't Dunkin' Donuts — it's your neighborhood hipster coffee shop (SBUX)

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Starbucks

Starbucks' biggest competition isn't another coffee chain.

Instead of worrying about the impact of Dunkin' Donuts or Tim Hortons, the coffee giant is keeping an eye out on trendy independent shops, according to CFO Scott Maw. 

"We're still not seeing any one competitor or even a smaller number of group of competitors being an influence on our business at any time," Maw said at the UBS Global Consumer and Retail Conference on Thursday. "But what we have acknowledged ... is the collective group of independent coffee shops out there, they are doing a lot of what Starbucks has been so good at for so long."

In other words, Dunkin' Donuts running a promotion isn't going to hurt Starbucks' sales. However, the rise of trendy neighborhood shops has the potential to draw customers away from Starbucks in the long term — especially if Starbucks can't compete when it comes to service and environment. 

"It's that third-place environment, it's a comfortable place to be, it's an up-leveled coffee experience," Maw said. "They're not taking share [from] us but what we know is if we don't have our service levels right and customers aren't engaged in the right way, they now have options."

The concern that independent coffee shops will win over Starbucks' customers is amplified by the chain's growing ubiquity, Maw said.

Widespread popularity can kill a trendy brand's image. As Starbucks opens more locations, maintaining its coffee-snob-approved reputation becomes more difficult, especially in relation to independent chains. 

Starbucks Roastery Seattle

"It would be easy for people to forget that we still source, roast, and deliver the highest quality coffee you can get anywhere in the world," Maw said. "It's as good as you can get, but for customers ... they might not associate that with Starbucks because we're everywhere."

The company's solution has been to invest in Roasteries and the Reserve brand, which provide a more upscale Starbucks experience.

Starbucks plans to open 20 to 30 Roasteries, which are tourist-friendly mega-locations roasting coffee in-house and serving expensive drinks like the $10 Nitro Cold Brew Float. Additionally, the company will open 1,000 Reserve stores, serving small-batch coffee and food made in-house, and it will add Reserve Bars at 20% of all locations, enabling them to serve more exotic blends made in a wider variety of methods. 

Concern that Starbucks could lose its edge to independent coffee shops is currently one of the driving concerns at the company. In April, CEO Howard Schultz will step down to focus on the Reserve brand, which he has said he believes will have a "halo effect" for all Starbucks locations. 

SEE ALSO: Starbucks has become a target of Trump-loving conservatives — and that's great news for the brand

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NOW WATCH: We did a blind taste test of Starbucks' Pumpkin Spice Latte and Dunkin' Donuts' Pumpkin Latte

New York's tallest rental skyscraper will have a rock-climbing wall, library, and basketball court

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Manhattan West Apartments

The area farthest west of midtown Manhattan was once a quiet part of town. Subway lines didn't stretch there, and many of the apartment buildings were modest in size.

But in the last decade, developers have been building in the area and turning it into a shiny new neighborhood full of upscale restaurants, luxury condos, and fancy boutiques. Hudson Yards will have about 19 million square feet of housing, retail, and offices, and it is said to be the largest and most expensive real-estate development the US.

One of the latest buildings to open in the Hudson Yards neighborhood is The Eugene, the tallest rental skyscraper in New York City. (It's part of the Manhattan West development by Brookfield Properties, which is separate from the official $20 billion Hudson Yards project by developer Related Companies.)

Designed by SOM, an architecture firm based in NYC, The Eugene features 50,000 square feet of shared amenity spaces, including a full-size basketball court. Though some parts of the building won't be complete until July, the first resident will arrive in mid-March, according to Maria Masi, vice president of development at Brookfield.

Take a look inside The Eugene, where monthly rent can cost up to $10,300.

SEE ALSO: Seoul is getting a $33 million 'sky garden' with over 24,000 plants

The Eugene is located at 435 W. 31st St. in the Hudson Yards neighborhood on Manhattan's far west side. At 62 stories, it's New York City's tallest skyscraper to feature only rental units.



When we walked in, we were greeted by the concierge. The building has 844 apartment units, which range from studios to three-bedroom apartments.



Monthly rent ranges from $3,210 to $10,300. A one-bedroom, like the 694-square-foot one pictured below, starts at $4,480 a month.



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A sommelier explains why you should buy the cheapest bottle on the wine list

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mark oldman office

Sommelier Mark Oldman knows your eye goes immediately to the cheapest wine on the list.

And he knows that many of us then move our glance over an inch, to select the second or third-lowest bottle so as not to seem, well ... cheap.

Another thing he knows? You're better off sticking with the cheapest.

In his book "How to Drink Like a Billionaire," Oldman writes that wine directors, restaurants, and sommeliers are on to your craftiness, and they've parried your move long before you arrived.

"Knowing that it will sell swiftly," writes Oldman of the wine director, "he may have slotted an overstocked bottle into the position on the list. Even worse, he may have marked up this wine more than any other, making it potentially the worst value on the list."

Oldman continues:

"You are better served to order the cheapest wine, which diners often neglect out of fear or embarrassment and thus is often a better value. Just make sure you do so at a restaurant that cares about its wine, where even modestly prices wines are of admirable quality."

You know you're at such an establishment, he explains, by the presence of knowledgeable servers, thoughtful commentary on the wine list, and interesting wines offered by the glass.

That said, however, he writes that although the presence of interesting by-the-glass offerings is reassuring, it's rarely cheaper to choose one.

"Wines by the glass are so marked up that it is practically industry scripture that the cost of the first glass covers what that restaurant paid wholesale for the bottle," he writes. Instead, knowing a typical bottle holds five five-ounce servings, he recommends dividing the price of a bottle by five to figure out how much you're paying for a glass.

"When it comes down to it, any chimpanzee can peddle good wines that cost a fortune," he writes. "Truly talented sommeliers are able to find and sell deliciousness at the lowest end of the list."

SEE ALSO: A sommelier explains why a $15 bottle of wine can be marked up 400% in a restaurant

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NOW WATCH: Here's how much you need to make to be in the top 1% of every state

Haunting photos show the residents who dared to go back to a ghost town created by nuclear disaster Fukushima

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Retraceoursteps Ayesta Bression 18

In March 2011, the biggest nuclear disaster since Chernobyl occurred in the Tōhoku region of Japan. The Fukushima Daiichi nuclear disaster was caused by an earthquake and then a resulting tsunami. The devastating string of evens caused thousands of deaths. Three major hydrogen explosions occurred on site over the course of three days.

While the nuclear disaster itself killed no one, according to the World Health Organization, officials imposed a restricted zone around the site. Over 100,000 people were forced to evacuate their homes in the Fukushima Daiichi area. 

Photographers Carlos Ayesta and Guillaume Bression were on the ground in the days after the disaster, documenting the horrific events, but their more recent, five-year long project is a breathtaking series of staged photographs of locals returning to the "no-go" zone. 

Their series, called "Retracing Our Steps," brought locals back to their abandoned homes and local businesses, acting as normal as possible given the tragic circumstances. Below, see their striking work.

SEE ALSO: More than 30 years after the Chernobyl disaster, no people can live in the area — but the animal population is thriving

For this series, Bression and Ayesta wanted to answer the question: "What do the former residents think about going back to their ghost towns?"



"From the beginning we wanted to do something in between documentary and staged photography," Bression told Business Insider.



Having been on the ground during the time of the events, they understood the delicate nature of this particular work.



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Here's how to split the restaurant bill in any situation

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Ordering at a restaurant, menus

Whether you're taking a client to dinner, grabbing lunch with a new friend, or sharing a meal with your in-laws, awkwardness can immediately settle in when the bill comes and everyone stares, silently wondering, "Who pays?"

Several potential scenarios can play out: Should you split the check evenly? Should everyone pay for their own meal? Is it expected that your father-in-law will pick up the check?

Every dining situation, from a birthday dinner to a double date, commands its own nuances when it comes to handling the check. We spoke with three experts — Diane Gottsman, national etiquette expert and the owner of The Protocol School of Texas, David Weliver, founder of financial advice website Money Under 30, and Patricia Napier-Fitzpatrick, founder and president of The Etiquette School of New York— to definitively decide how to handle the bill in 10 common situations.

"Other than business meals, there are no hard and fast rules for splitting the check," Napier-Fitzpatrick told Business Insider. "In business, it's protocol for the person extending the invitation to pay. In terms of all other different scenarios, I would say there are certain guidelines, things one would do to make sure they didn't feel taken advantage of and that they're being considerate when it comes to paying for meals."

Read on to check out who's turn it is to pick up the bill when, and avoid those awkward "How do you wanna do this?" conversations for good.

SEE ALSO: 13 smart 10-minute money decisions our coworkers wish they'd made sooner

DON'T MISS: A financial planner reveals the best money habit for 30-somethings







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The yacht from 'Skyfall' is on the market for $9.4 million, and it's just as cool as James Bond himself

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regina yacht james bond 007 skyfall

You might remember the beautiful yacht we saw brief shots of in the 2012 James Bond movie "Skyfall." Now's your chance to take a look at the whole boat, and if you have enough cash on hand, to make it your own.

"Regina," the 183-foot superyacht owned by Turkish business tycoon Dogukan Boyaci, is on sale for $9.4 with Engel & Völkers Yachting.

This six-cabin yacht sleeps 12 guests and has been re-fitted since the movie was filmed. But it looks every bit as glamorous, even without Bond around.

It was last on the market in 2012, when it was listed for $14 million by Fraser Yachts.

Alex Davies contributed reporting on an earlier version of this article. 

SEE ALSO: A retired hedge fund manager is selling his 2-in-1 St. Barts estate for $67 million — take a look inside

The 183-foot yacht has 1,140 square meters of sails.



It can cruise at 12 knots (13.8 mph).



It is also equipped with two engines.



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Here's the best way to clean your computer or laptop without damaging it

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Cleaning expert and author of "Clean My Space" Melissa Maker breaks down how to clean your computer or laptop without damaging it.

Following is a transcript of the video.

Melissa Maker: Here’s how to clean your computer. You want to get a can of compressed air and some electronics cleaner. You can make it up if you don’t have any. It’s just equal parts water and rubbing alcohol. Then get yourself a flat weave microfiber cloth. This is one that can’t pick up any debris so it won’t scratch a surface. That is really really important, especially when you’re cleaning a monitor. What I like to do is pick up, whether it’s my laptop or a keyboard, you want to pick it up and sort of tip it on its side. That way, anything that you blow out with the compressed air is going to fall down instead of back into the keyboard, or worse, on your face.

So, do that. Get rid of any gunk that’s stuck in your keyboard using compressed air. Then you can spray your microfiber cloth — here’s my imaginary microfiber cloth — with your electronics cleaner. There it is. Tap it off on the back of your hand. Too much moisture on a cloth, especially around electronics, very bad thing. Oh, and another rule — never spray your electronics directly with product. So, once you have this cloth wet, you can give your keyboard a quick wipe, again, whether it’s your laptop or a standalone keyboard. And you can wrap the cloth around your pointer finger and just get into those little nooks and crannies and really clean any of those dirty areas. You know which ones I’m talking about.


And then you can use another section of that cloth, spray it down again, tap it off on the back of your hand, and you can clean your monitor using, what I call, the “S” pattern which is where you start at the top, you work your way to one side, and then you keep sweeping downward using an “S” pattern until you get to the bottom. And that will get rid of streaks for you.

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