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These 7 US colleges are more selective than some Ivy League schools


stanford studentIvy League colleges are notoriously tough to get into.

Their acceptance rates range from 5.2% to 12.5%, and former Ivy League admissions directors say it's harder than ever to gain acceptance to the schools.

So you might be surprised to learn that other schools have even lower acceptance rates.

Business Insider listed schools that are even more selective than some of the Ivies, according to statistics provided on the class of 2021* admission rates from school websites.

*The rates for the University of Chicago and California Institute of Technology reflect class of 2020, as rates for the class of 2021 are not yet publicly provided.

SEE ALSO: Ivy League admission letters just went out — here are the acceptance rates for the class of 2020

To start, here's the ranking of Ivy League schools by their class of 2021 selectivity:

But even more selective than some of the schools on this list are ...

Claremont McKenna College — 10.35%

Located in Southern California, Claremont is a small liberal-arts college. Its acceptance rate is lower than those of Cornell and Dartmouth.

US Military Academy — 9.4%

Also referred to as "West Point" or "Army," cadets enrolled have their tuition paid by the US Army. In return, they have an active-duty service obligation. Its admission rate is lower than the rates for Dartmouth and Cornell.

See the rest of the story at Business Insider

Furious customers are accusing Wall Street's favorite shirt startup of failing to deliver on its promises

  • Combatant GentlemanCombatant Gentlemen grew a following among Wall Streeters and others for its balance of quality and low cost.
  • Now, some customers say that they haven't received orders or refunds in the time frame promised by the company. 
  • CEO Vishaal Melwani blames the startup's problems on growing too quickly. 

Billing itself as an online retailer for "ballers on a budget," menswear startup Combatant Gentlemen was created with the goal of hitting the sweet spot between quality and price. 

But now, five years after launch, some customers are fed up with the company, citing missed ship dates and refunds that never arrived. 

The company, which was founded in 2012 by former tailor Vishaal Melwani, his cousin Mohit Melwani, and Scott Raio, gained a following for its collection of menswear that was considered stylish and of decent quality for the price.  

Combatant Gentlemen's are priced considerably lower than other comparable retailers — their shirts start at $44, while the suits cost about $320.

After launch, the company received positive write-ups in publications from GQ to CNBC, and at one time, it was one of the most-shipped brands arriving to Goldman Sachs' headquarters. It even landed a spot on Forbes' list of America's most promising companies in 2015. 

But all of that growth has come at a cost to customers. According to accounts from five Combatant Gentlemen customers Business Insider has spoken with, shipments have been delayed without notice, status updates have been few and far between, and refunds have been difficult to obtain. These customers' stories stretch as far back as 2014. 

Disgruntled customers

Several customers we spoke to had similar stories. They purchased products from Combatant Gentlemen and say they ended up waiting months for either the product itself, or a refund for an item they never received.

One customer, Mike Scherf, ordered a Combatant Gentlemen weekender bag on preorder on March 13 and was given an estimated delivery date of April 15. Several times over a period of months, that delivery date was pushed back by the startup's customer-service personnel.

By the end of May, a Combatant Gentlemen customer-service representative said they couldn't give a Scherf a definitive shipment date, so Scherf cancelled his order. He never received a refund, though the rep said it would come in the "next billing cycle," Scherf told Business Insider. Scherf has filed a dispute with the bank that issued his debit card.

"There seems to be a pattern of them, at best, deceiving or, at worst, outright lying to customers," Scherf said.

The weekender bag is priced at $110. It currently has an estimated ship date of July 30, according to its listing page.

combat gent

Other customers can be found complaining about missing orders and refunds on Twitter, Yelp, Google Reviews, Reddit, and numerous small menswear forums. 

Another customer, David Phillips, told Business Insider that he ordered two suits, one of which he intended to wear for his wedding in June. The wedding suit's ship date was pushed back several times, and ultimately never arrived, even though he had ordered it months before the wedding day. Phillips was forced to go to a competitor to get outfitted in time.

After reaching out to CEO Vishaal Melwani directly, Phillips was told he would get the suit the next day and was issued a refund, which didn't arrive for two weeks. Still, the suit wasn't shipped for nearly a month.

"I'm extremely annoyed by how much effort I've gone through to maybe get this suit," Phillips said. "[I] wouldn't suggest anybody order from Combatant Gent."

Many customers reach out to Melwani to escalate their customer-service issues, which he responds to personally.

"It's not something I'm doing for fun or for PR," Melwani said to Business Insider. "It's something I would do regardless of whether we had five customers or five million customers." 

Melwani told Business Insider that a third party processes refunds, and all Combatant Gentlemen does is begin the process immediately after a customer requests it. 

"If it doesn't show up, it has more to do with the billing cycle," Melwani said.

Combatant Gentlemen currently has nine negative reviews and an "F" grade with the Better Business Bureau.

Wedding bell blues 

Combatant Gentlemen also offers a selection of traditional suits ($140-$180) and tuxedos ($200) targeted to grooms and groomsmen. 

"Your wedding party's orders will start to ship 1 month prior to your wedding," the website promises.

One customer, Joseph Kelly, told Business Insider about his experience buying from Combatant Gentlemen for his wedding this past spring. He and his party of seven groomsmen each ordered suits for the wedding.

Shipping issues were almost immediately apparent. The day came and passed when the suits were supposed to be shipped and delivered, and it was only when some members of the wedding party reached out to Combatant Gentlemen's customer service that they were informed there would be a delay.

Combatant Gentleman

After reaching out to customer service representatives multiple times, Kelly decided to contact Melwani to remedy the situation. Melwani promised a refund and a rush order for the suits.

The suits did end up arriving in time, but Kelly's was the wrong size, even though he went into the company's now-closed store in Santa Monica to be measured. He ended up having to go to a rival suit supplier just days before his wedding.

The other groomsmen were able to wear their suits, except for one who was forced to wear a different pair of pants.

"I don't think they took the obligation of outfitting my wedding seriously after they collected our money," Kelly said. "My father used to say that if the price of something was too good to be true, there's a reason for it."

Some in Kelly's party have received refunds since, though it didn't happen in the three to five days quoted by the company. 

Melwani blames the most recent customer complaints on a factory in China that told Combatant Gentlemen, with little warning, that it would not able to fulfill an order for suits earlier this year. He says this caused a "bottleneck" throughout the entire company.

"It literally sent shockwaves down us," Melwani said. "When you scale fast, you have to be ready for the repercussions, and that's what we're learning."

He added that it's been a "slow process getting it back up to 100%."

Combatant Gentlemen manufactures its products in several factories in different parts of China, though its denim is made in Los Angeles. It sources materials from Italy, India, and Portugal. 

combat Gent

'Scale is tough'

Melwani began Combatant Gentlemen with the idea that cheaper men's clothing could be sold if you used technology, vertical manufacturing, and a direct-to-consumer approach to lower costs. He touted concepts like machine learning, which could theoretically help the startup to understand customers better, and he drew upon clothes-making knowledge he had as a third-generation tailor.

As of 2015, the company was doing $10 million in revenue, and it's currently in "its largest growth year to date," Melwani said. 

But that success has led to what Melwani says is the startup's current predicament: the challenge of scale.

Melwani told Business Insider that he is now taking steps to make sure that the company is less reliant on one factory to fulfill its orders, and is so less "blindsided" when one fails to keep up. 

"Scale is tough," Melwani said. "It hasn't been easy. We've been grinding day in, day out to make sure everyone is taken care of as fast as possible."

SEE ALSO: How a 128-year-old brand that makes clothes for workers made the jump from cornfields to catwalks

Join the conversation about this story »

NOW WATCH: A Russian oligarch threw his son a $1 billion wedding

17 photos that show why wealthy homebuyers are ditching the Hamptons for this laid-back island destination


Shelter Island

If you're looking for a quiet seaside destination to summer in, Shelter Island might be just the ticket.

This 8,000-acre island sandwiched between the North and South Forks of Long Island has long been known as the Hamptons' quieter sibling. It's stayed this way mainly because it's only accessible by ferry. 

Local real estate broker Jonathan Smith of Sotheby's says that Shelter Island's less convenient location (for New Yorkers, at least) has helped to keep property prices down. 

"It's in the heart of the Hamptons but separated by ferry, and that impacts the perceived value of land," Smith told Business Insider. "It offers excellent value for Hamptons buyers."

According to real estate site Trulia, median listing prices for homes in Shelter Island's most expensive neighborhoods hover around $1 million. The median listing price for houses listed in the Hamptons' most expensive hamlets — parts of East Hampton and Southampton, for example — are as high as $6.5 million. 

We've rounded up the best spots to eat, drink, and stay on the island. And if you like it enough, check out some of the most high-end real estate you can pick up right now on Shelter Island. 

SEE ALSO: Meet the rich and powerful people who live on 'Billionaire Lane' in the Hamptons

Shelter Island is about a three-hour drive from New York City. The last leg of the journey requires taking a ferry, either from the North or South Fork. The ferry service runs every 10 to 20 minutes, 365 days a year. The South Ferry runs for longer hours in the summer.

Source: The South Ferry and North Ferry

When it comes to dining out, there are a few local favorites. 18 Bay is one popular choice. The menu changes every week, but the concept remains the same: a four-course Italian meal that begins with four different types of antipasti, followed by a homemade pasta dish, an entree, and a dessert. This costs $75 per person.

23 North Ferry Road

Vine Street Cafe is another popular restaurant. You'll find it in a cozy cottage in the center of the island. Ingredients are locally sourced, and daily specials are offered. An entree costs around $35.

41 S Ferry Rd

They also operate a food truck from the edge of Montauk Highway in the Hamptons, serving simple burger dishes, fish sandwiches, and salads.  

See the rest of the story at Business Insider

The best beer in every state, according to beer enthusiasts across the US


Pliny the Elder, Russian RiverAmericans love their beer. And when traveling out of state, a visit to the local brewery is one of the best ways to sample the culture.

For 15 years, Zymurgy Magazine — the official magazine of the American Homebrewers Association — has asked the group's tens of thousands of members to cast votes for the best beers in the country. The idea is that Zymurgy readers, as homebrewers, have more refined palates than most and can suss out the best.

In addition to ranking the top 10 beers in the US, Zymurgy named the best beer you can buy in every state. Scroll down to see which beer took the top spot where you live.

SEE ALSO: The top 10 beers chosen by beer enthusiasts across the US

ALABAMA: Yellowhammer Brewing Rebellion (TIE)

Huntsville, Alabama

Red in color, this light-malt, light-hops lager is inspired by German brewing tradition. A dose of caramel balances out a bitter finish.

ALABAMA: Folklore Brewing & Meadery Shadowcaster Porter (TIE)

Dothan, Alabama

A chocolate and coffee-lover's delight, this rich porter smells like a fresh pot of morning Joe and tastes like a moche latté.

ALASKA: Anchorage Brewing Co. A Deal with the Devil (TIE)

Anchorage, Alaska

A barleywine-style ale brewed with Galaxy hop variety, A Deal with the Devil ages for between eight and 11 months in Cognac barrels. It's worth the wait. A blend of caramel, fig, Cognac, and wood spice creates a syrupy, full-bodied taste.

See the rest of the story at Business Insider

Brides across the US are furious after a popular brand abruptly closed its stores


Alfred Angelo

Brides across the US have been left in limbo after a popular wedding brand abruptly closed its doors Thursday

Alfred Angelo, a brand that sells bridal gowns and bridesmaid dresses, has shuttered many of its 60 stores across the US without giving customers prior warning. 

The brand has been in business for over 80 years. Its special occasion dresses are also stocked in 1,400 retailers.

The company has yet to make a comment or reassure customers as to what will happen to their orders. Alfred Angelo has not confirmed that all of its stores will close. 

Irate brides have taken to social media to complain, and many are saying that they don't know whether they will receive their dress or get a refund.

 Customers say they have been unable to reach stores by phone. 

On Thursday, some customers went to stores to find out what was happening. 

They were told they would have until 8 p.m. that day to pick up orders.

Alfred Angelo did not immediately return Business Insider's request for comment, and the brand's customer service line went straight to voicemail. We were also unable to get through to any individual stores. 

SEE ALSO: Furious customers are accusing Wall Street's favorite shirt startup of failing to deliver on its promises

Join the conversation about this story »

NOW WATCH: A Russian oligarch threw his son a $1 billion wedding

A mother and daughter stopped speaking after Trump was elected — here's their emotional first conversation 6 months later


In April, I posted a note on Facebook asking if anyone experiencing a division in their family since the 2016 presidential election would like to share their story.

I heard from a former college classmate named Rebecca, who lives in Montgomery, Alabama. She and her mother had basically stopped speaking since the election of Donald Trump. Rebecca asked her mom, Mary, if she would be willing to sit down for an interview. 

Although Mary was reluctant, she eventually agreed, and I traveled to Alabama to talk to them both in an emotional sit-down interview at Mary's home in Mathews, Alabama. 

Join the conversation about this story »

I'm gluten-free and survived on nothing but fast food for 5 days — here's what happened


Chick-fil-A gluten free

I was diagnosed with a gluten intolerance six years ago and have been gluten-free ever since.

In that time, it has become easier and easier to find gluten-free foods, especially in New York City where I live. 

That is, unless we're talking about fast food. 

Even though an estimated2.7 million Americans follow a gluten-free diet, fast-food restaurants in the US haven't done much to appeal to this growing population of people who avoid foods like bread and pasta made with wheat.

In an effort to survey the gluten-free landscape, I set out on a mission to see if I could survive only on fast-food for five days. My most important rule was to only eat at fast-food chains and consume at least three meals a day. 

Here's how I did it:

First, I mapped out exactly what I could eat.

I kicked off day one with breakfast at McDonald's.

This was my first time eating breakfast at McDonald's so it was a momentous moment. My first hurdle was finding something filling that I could actually eat.

What I ate: Yogurt Parfait (without granola) and two bags of apple slices. 

Verdict: The yogurt was extremely sweet. I gave up halfway through and decided to move on to the apple slices, assuming that these would be a safe bet. I was wrong. The apples were peeled and had lost all their crunch. Overall, not a good start to the day.

By lunch I was starving, so I headed to Shake Shack for a burger.

Shack Shack is one of two fast-food chains that offers a gluten-free bun and prides itself on serving 100 percent Angus beef meat, free of hormones and antibiotics.

What I ate: Shake Shack's gluten-free bun with a burger patty.

The verdict: I was so insistent that my meal be gluten-free that I confused the server when ordering. I ended up with a very bland sandwich that didn't contain Shake Shack's typical burger toppings, like tomato and lettuce. While the bread was tasty, it felt dry, and the limp meat inside was a bit disappointing. But at least I was full. 


See the rest of the story at Business Insider

2 Hamptons locals started a free beach shuttle that has now given 1 million rides — and may solve a problem that even Uber can't


Hamptons Free Ride

Growing up in the Hamptons, Alex Esposito and James Mirras knew one thing to be true: The beach was great, but the parking sucked.

Between the crowds and the permit-required parking lots, there was rarely an easy — or cheap — way to enjoy a summer day on the sand.

In 2009, Esposito and Mirras, now both 30, finished their undergraduate studies at the University of Florida and Bentley University, respectively. They toyed with the idea of starting a shuttle bus company as a solution to their childhood grievance.

But there were vehicle costs, like insurance, maintenance, and fuel, to consider. Plus, the two were eager to begin their professional lives; Mirras was off to work at Morgan Stanley and Esposito was pursuing his MBA at Bentley.

"We ended up putting the idea on the back burner," Esposito told Business Insider. That is, until a few years later when a discussion about using freebies as a tool to sell products came up in one of Esposito's business school classes.

"So, Starbucks gives away internet to sell coffee, Gillette gives away razors to sell blades. James and I kind of scratched our heads and said, well, what if we made our beach bus free?" Esposito told Business Insider. "We decided to put together this model where, if electric cars can cut out the cost of fuel, and if advertisers can pay to sponsor the service, then we can provide a totally free service for this one-to-two mile gap."

They ran with the idea — but kept at their day jobs — and founded the Free Ride in the summer of 2011, debuting with a few open-air, fully electric cars operating in East Hampton. Riders could either hail a shuttle from the app, or wave one down on the street for a ride to the beach or a local restaurant. The next summer, the network expanded to include routes in Montauk and Southampton.

Nothing more refreshing than an iced cold @cocacola! Tag a friend you'd share one with! 👭 #thefreeride #shareacoke

A post shared by The Free Ride (@thefreerideinc) on Jun 14, 2017 at 2:51pm PDT on

In a crowded summer destination like the Hamptons, Esposito and Mirras found companies were willing to pay big for innovative and interactive advertising. Big enough, in fact, that it covers operating costs, and riders don't have to pay a dime.

By the following summer, Mirras had left Morgan Stanley to run operations for the Free Ride full-time. They added additional routes in South Florida and Santa Monica, California, and were soon partnering with household brands like JetBlue, Corona, Coco-Cola, and, later, L'Oreal. Since then, ad revenues have surpassed seven-figures, nearly doubling every year, according to Esposito. 

Not only are the cars wrapped in fun, cheeky advertisements, some of the companies provide freebies, like cold drinks, snacks, and beauty product samples, to riders. Plus, an iPad inside each car doubles as an interactive video advertisement and photo booth.

Esposito eventually quit his job at consulting company Accenture to join Mirras to bring the Free Ride to other cities around the country. 

"I think a lot of people nowadays look at startups as a way to get away from a desk job, but you really need to create the startup before you can take that leap, and I think that's something we both did well," Esposito said. 

Pimp my ride! Catch a ride to #VVPalmBeach with @thefreerideinc! #EDSFTG

A post shared by vineyard vines (@vineyardvines) on Apr 23, 2017 at 10:50am PDT on

They recently started expanding beyond beach-only routes. Late last year, they partnered with the city of San Diego to launch FRED, Free Ride Everywhere Downtown, an e-hailing service covering about a two-mile radius within the city.

Esposito calls it a "micro-transit solution" because it fills a gap that buses, trains, yellow cabs, and even Uber and Lyft don't fill: short, free rides you can request via an app or hail from the street.

"The response was tremendous, we had over 20,000 people sign up for the app within the first six weeks of the program, and almost 4,000 rides a week in San Diego," Esposito said.

Esposito envisions a more efficient, eco-friendly, and data-driven solution to public transit, and says other municipalities have reached out to bring the Free Ride to their cities as well. "The idea of having three buses that carry 25 passengers running all the time is just horribly inefficient," he said. "That's really where our eyes kind of opened up and we said, why have three caterpillars when we can have 20 ants?"

The Free Ride currently operates a fleet of 82 shuttles — all driven by Free Ride employees rather than contractors — operating throughout the Hamptons, South Florida, Southern California, and the Jersey Shore, each with its own operating hours and pre-determined route. Cars that aren't being used in one market, like New York during the winter, are either transferred to a busier market, or used for private events. 

To date, the company has given 1 million free rides.

"We haven't burned an ounce of fuel doing it and it's really been exciting seeing the business pivot from what was once a fun, little beach shuttle idea into now what we see as being a huge micro-transit solution that's applicable in areas all over the country and all over the world," Esposito said.

SEE ALSO: Here's what it's like to spend July 4th in the most expensive vacation town in America

DON'T MISS: The 17 best places to go this summer that don't cost a fortune

Join the conversation about this story »

NOW WATCH: What it's like to take the 'Uber of seaplanes' from NYC to the Hamptons

You've probably been applying your cologne all wrong


applying cologne

Fragrance is a bit of a conundrum for many.

Much is misunderstood about it, and there hasn't been much of an effort to clear up the misconceptions (until now).

There are three big mistakes men (and sometimes even women) make when applying fragrance: 

  • Applying to the wrong areas
  • Applying too much 
  • Rubbing it into the skin after application

Fragrance is tricky. The oils are designed to be absorbed and melded with your skin's natural oils, creating your own unique scent. That can't happen when you apply it to your clothing, so never apply fragrance to anything but your skin.

That means you shouldn't spray it in a cloud and walk through it, either.

However, where you apply it on your skin also matters. You want to apply it somewhere warm, which will heat up and dissipate the oil's smell throughout the day. Too warm, and the smell might dissipate too quickly. Too cold (like your wrist), and the smells won't travel as far.

The ideal place to apply cologne is the area between your chest and neck, inclusive of both. A bonus is that some men have chest hair, which can also trap some fragrance oil and increase the amount of time the smell might last on their skin.

As for amount, remember the cardinal rule of applying cologne: less is certainly more. "Cologne should be discovered, not announced," as Art of Manliness says. Overdo it, and you'll give everyone around you a headache — and probably yourself, too.

Still, the purpose of wearing cologne is to smell it. So make sure you're not too shy about it.

Finally, after you apply the cologne, pat it on your skin but do not rub it inThis is not a lotion meant to be absorbed — it is an oil meant to sit on top of your skin and mix with your natural oils. Rubbing it in can cause it to be absorbed by your skin faster, and it can even distort the scent.

As for when you should wear cologne or fragrance? Well, that's entirely up to you. Be judicious.

SEE ALSO: This is the only solution for balding men to get full heads of hair again

Join the conversation about this story »

NOW WATCH: Why guys are going crazy for 'solid' cologne

The new tallest building on the West Coast looks like a giant lightsaber


wilshire tower los angeles la

For all the buzz around Salesforce's massive skyscraper under construction in San Francisco— which will cost an estimated $1 billion to build — the tower can't compete with a new pinnacle to the south.

Wilshire Grand Center in Los Angeles is now the tallest building on the West Coast, edging out Salesforce Tower by a mere 30 feet. It rises 73 stories (compared to Salesforce's 61) and marks the center of a rapidly developing downtown that's poised to become the "Times Square of the West."

Located halfway between the Walt Disney Concert Hall and the Staples Center, the Wilshire Grand features a glittering spire that rises above the LA skyline. But what might stand out to residents more than the building's height is its lightsaber-esque, light-up display.

Colorful LED lights run two and a half miles up the tower's spine and over its sail-shaped top. From a distance, the building looks like a comically large lightsaber.

The Wilshire Grand gets lit for #LA2024. #allthewayup

A post shared by Mayor Eric Garcetti (@mayorofla) on May 11, 2017 at 5:37pm PDT on

Nearly a fifth of a mile up in the sky, two massive LED displays stretch 42 feet by 60 feet atop the building. The screens contain 250 million pixels — each no bigger than a pea, according to the Los Angeles Times— capable of displaying messages that can be read from across the city.

The tower will most often flash the logo for Korean Airlines, which owns the building, and the InterContinental Hotel, a prominent tenant. Advertisers can also pay to place elaborate messages on that precious real estate in the sky.

wilshire grand central

While the neon lights might not look all that extraordinary in New York City, they're a big deal in LA. The building's developers lobbied the Los Angeles City Council in 2011 to create a one-block district that would allow digital billboards atop buildings. In spite of critics who argued the brightly lit images would create an eyesore, the council signed off the proposal.

Join the conversation about this story »

NOW WATCH: This glass-bottom swimming pool hangs off the side of a skyscraper

The best pizza in NYC is about to open a second location for the first time ever — here's what it's like to eat there


Over 50 years ago, in 1965, Italian immigrant Domenico DeMarco opened Di Fara Pizza in the Midwood section of Brooklyn.

To this day, it's considered by critics and locals alike to be "the best of the best," as former chef Anthony Bourdain put it back in 2007.

Just look at this:

Di Fara Pizza

There's a lot of pizza in New York City. It's a cliché maybe, but Di Fara Pizza is considered by many to be New York City's best pizza. It's notoriously expensive ($30 for a regular cheese pizza), and has a notoriously long wait (over an hour, easy), but it's also notoriously delicious. 

And now, for the first time ever, Di Fara is expanding to a second location — one that's far easier to visit.

When the new North 3rd Street Market opens in Williamsburg, Brooklyn, one of its primary tenants will be Di Fara Pizza. The second Di Fara will feature the same menu as the original, reports Eater NY, albeit from the far more accessible Williamsburg. 

This is exciting news, because it means more people can experience how incredibly delicious Di Fara's pizza actually is. I should know — I ventured deep into Brooklyn to try Di Fara's legendary pizza for myself last year. This is what it's like!

SEE ALSO: I ate a 17-course tasting menu at one of the world's best restaurants — here's what it was like

The first thing you need to do is get to a part of Brooklyn that isn't well-serviced by New York's world famous subway system. My wife and I took the B68 bus.

One of the best parts of going to the original Di Fara's is visiting the Midwood section of Brooklyn.

Midwood is a predominantly Orthodox Jewish neighborhood, Eastern European in origin, though plenty of other religious groups and ethnicities live in the area. Famous names, from Adam "MCA" Yauch (of the Beastie Boys) to Supreme Court Justice Ruth Bader Ginsburg hail from the Midwood section of Brooklyn. The neighborhood has largely resisted the forces of gentrification sweeping Brooklyn's western coast (the side facing Manhattan).

But you're here for the pizza. I get it. The original Di Fara Pizza is located at the corner of Avenue J and East 15th Street. I went at night, but this is what it looks like during the day from the outside:

See the rest of the story at Business Insider

The mysterious life of Vladimir Putin's ex-wife, who hated being Russia's first lady and is rumored to be married to a man 20 years her junior

A new startup that sells everything from chef's knives to maple syrup for just $3 raised $50 million to be the 'Procter & Gamble for millennials'

A 5-minute iced coffee trick could save you $100,000 by the time you retire


coffee smelling

As a young man, Warren Buffett estimated he could save $300,000 over his lifetime by adjusting his haircut schedule. 

Americans looking for ways to contribute to retirement funds can similarly look to their daily purchases — such as their morning cup of coffee — for potential savings, according to a Vanguard Blog for Advisors post by Frank Kinniry.

"By pocketing the $3.50 for coffee each day and investing it instead in a low-cost, diversified Roth IRA, you’d have an estimated $106,000 after 30 years," writes Kinniry. "I don’t think anyone would pay $106,000 for coffee!"

Screen Shot 2017 06 05 at 12.00.21 PM

This type of incremental savings plan is also endorsed by David Bach, author of "Smart Couples Finish Rich."

"Becoming rich is nothing more than a matter of committing and sticking to a systematic savings and investment plan," he writes. "You don't need to have money to make money. You just need to make the right decisions — and act on them."

Bach estimates the amount of daily savings needed to reach $1 million by age 65 in the the chart below. While it makes certain assumptions about how those savings will grow through investment — such as a 12% annual return rate — it illustrates the impact even a modest savings plan can have in the long run.

585170e3a1a45e46008b5c61 1200

But Americans, particularly millennials, have struggled to meet recommended savings goals. Kinniry notes that while Vanguard recommends saving enough so that retirees can spend 75% their annual income from when they were working, the median account balance among Vanguard retirement plan investors fell by 11% from 2014 to 2015.

But that trend is not irreversible, especially for younger investors.

 "The best way to change that trend is to continue to encourage your clients to look at their spending through a compounding lens and to calculate how much their regular purchases would equate to over time," writes Kinniry. "Time is the biggest advantage young investors have." 

Convinced you need to start making coffee at home? Here's an easy trick to make iced coffee with a french press:

1. Put the normal amount of grinds (about a quarter of a cup) at the bottom of a french press.

French Press Coffee

2. Pour cold water up to the top

French Press Coffee

3. Let the coffee grinds sit in the french press in a fridge overnight, unpressed

French Press Coffee

4. In the morning when you wake up, press the grinds down and pour over iced.

French press

It's like your own cup of iced coffee from Dunkin Donuts or Starbucks, without the risk of being out $106,000 by the time you retire.

SEE ALSO: Millennials are still spooked by the 2008 financial crisis

Join the conversation about this story »

NOW WATCH: Wells Fargo Funds equity chief: Tech stocks are 'overvalued,' but you should still buy them

How a Jewish deli run by Muslims became the symbol of a changing neighborhood


pastrami sandwich, Davids Brisket House

The Jewish delicatessen is an iconic American institution. Nowhere else in the world will you find a local shop so focused on the preparation of beef by curing, brining, and poaching.

Pastrami, corned beef, and brisket are usually the trifecta of meats atop the menu at traditional Jewish delis. These beloved dishes grew in popularity in the 1930s, when the Jewish delis — then competing with the newly arrived supermarkets — began serving to-go items, including the now-classic pastrami on rye. While they're not quite as common today, there were up to 300 delis serving kosher dishes in New York City by the 1960s. 

These days, in the predominantly African-American neighborhood of Bedford-Stuyvesant — or Bed-Stuy — in Brooklyn, you'll find David's Brisket House, a Jewish deli that has been owned by the same Muslim family for 50 years. 

The deli was originally kosher, owned by a Jewish family, but when its former owners put it on the market in the 1960s, it was bought by two business partners: one, a Yemenite Muslim, and the other a Yemenite Jew.

The partners decided that instead of changing the menu, they would keep customers coming back for their beloved meats. 

Today, even as Bed-Stuy faces vast socioeconomic change and gentrification, David's Brisket House has survived as a neighborhood staple and a truly unique blend of cultures. The deli has stayed in the family and is now run by Riyadh Gazali, the nephew of one of the partners. 

We paid a visit to David's Brisket House to learn more about the miraculous meat — here's what we saw. 

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The deli is across the street from its original location. After the two men purchased it back in the 1960s, they started preparing meats in the halal tradition, but much of the menu remained the same. "It was actually a full-scale Jewish deli," Gazali told Business Insider. "[My uncle] was [serving] the tongue, the kidney, veggie platters — he was [serving] a lot of stuff. That's a lot of work for one person to do."

When it comes to preparing meat, the kosher tradition is slightly more laborious than the halal tradition. Kosher practices include the removal of certain forbidden fat and veins from the animal, followed by a soak in water and various salts. But when it comes to the slaughtering, both religions focus on the fact that the animal must be killed in a humane way.

"It's not shot, it's not electrucuted, it's not tortured," Gazali said. "Then it's considered halal."

Since taking over the business full-time in 2010, Gazali has simplified the menu. The brisket is the only meat they prepare fully in-house.

It's not simple. "It's a four-hour process to cook the brisket," he said. "The heavier weight it is, the longer it cooks. It's oven-baked with vegetables like carrots, celery, and garlic. It needs a lot of attention — every thirty minutes we have to check on it to add water and flip it."

See the rest of the story at Business Insider

That fear you feel on Sundays is real — here's how to overcome it


It has many names. Some call it the "Sunday scaries." Others call it "the weirds," "the Sunday blues," or "the Sunday spookies." Most people know it as "the fear."

It's an acute anxiety that creeps up on us as we begin to transition from the weekend to the reality of the impending workweek. Here are a few tips that will help you make the transition without feeling "the fear."

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The 9 most dangerous plants in the world


little shop of horrors

At the height of North American summer, many plants are at their most dangerous.

We don't normally think of plants as particularly scary organisms. But this rather entertaining Reddit thread will make you reconsider that assumption.

"Botanists of reddit, what are the scariest plants in the world?" user Zipzapadam asked. And Reddit delivered.

We're not talking about common poison ivy or run-of-the-mill carnivorous plants. Some of these plants could actually kill you.

As one Redditor put it, "This post just makes me want to stay indoors and hide from plants."

You probably will, too. Here are nine terrifying plants to stay away from:

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Aconitum napellus, "Monkshood," "Wolfsbane"

It looks beautiful and harmless, but all parts of the Monkshood plant are poisonous.

In ancient times, people would use it on arrow tips and as bait to kill wolves, which is why it's also called Wolfsbane.

A 33-year-old gardener allegedly died after touching (or possibly eating) the plant in 2014, the BBC reported.

Monkshood can cause vomiting, diarrhea, and numbness if it's eaten.

Ricinus communis, "Castor Bean"

Castor beans are high in ricin, the effects of which can escalate quickly.

Symptoms of ingestion can include "stomach irritation, vomiting, bloody diarrhea, abdominal pain, increased heart rate, low blood pressure, profuse sweating, collapse, convulsions, and death within a few days," according to Union County College biology professor Tom Ombrello.

Redditor Rabzozo said their boss spent a week in the hospital after he set a fire in his yard and inhaling smoke that happened to contain compounds from castor plants. But the Centers for Disease Control and Prevention says that "unintentional exposure to ricin is highly unlikely, except through the ingestion of castor beans."

Don't eat them.

Cicuta, "Water Hemlock"

Water hemlock looks a lot like Queen Anne's Lace, another plant with small white flowers.

To tell the difference, remember that Queen Anne's Lace has a single red blossom at the heart of its bunch of white flowers.

Water hemlock is one of the most common poisonous plants throughout the US and UK.

If you eat it, the plant can cause seizures that may lead to death.

See the rest of the story at Business Insider

How smartphone light affects your brain and body


The designers of our smartphones, tablets, and laptop screens have been able to create incredibly powerful lights. These screens glow bright enough to be seen during a sunny day. At night, they're so strong that they've been compared to a "little window" that daylight can peer through.

That's why looking at your phone at night is a terrible idea.

Our bodies naturally follow a cycle that allows us to stay awake and alert during the day and helps us get essential rest at night. But when we look at these screens as we're getting ready to sleep, our brains get confused. Bright light can make the brain think it's time to stop producing melatonin, a hormone that gives your body "time to sleep" cues.

By disrupting melatonin production, smartphone light can disrupt your sleep cycle, almost like an artificially induced jet lag. That makes it harder to fall and stay asleep — which could lead to serious health problems.

BI Graphics_Bluelight effects

To combat this problem, app designers have created programs like f.lux and Apple's Night Shift mode, which adjust the light tones emitted by screens at certain times of day to remove bright blue light from the display. Many users say the orange tint these apps give feels less harsh on the eyes. But while some research indicates that dimmer light may improve sleep, more study is needed on the topic.

Even if such changes do prove to be helpful, experts say that many other things we do with our phones are also not conducive to sleep. If you're trying to get ready for bed and a late night work email pops up, that might wreck your sleep even more than shutting down your melatonin production.

If you can bring yourself to do it, your best bet is to steer clear of screens before you fall asleep. At the very least, try to keep them out of your bed.

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

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This $150 million estate is now the most expensive home for sale in the Hamptons — take a look


sotheby's meadow lane

A massive property that was assembled from four different plots of land has hit the market for $150 million, making it the most expensive home currently for sale in the Hamptons.

Formerly owned by entrepreneur Robert Sillerman, according to Curbed, the property includes a 12,000-square-foot main house, outdoor pool, pool house, tennis court, two golf greens, and a golf house. 

It's located on Meadow Lane, a stretch of Southampton with real estate so pricey, it's often been referred to as "Billionaire Lane." 

In addition to 700 feet of ocean front, the listing also includes an additional lot that faces the bay. 

Harald Grant of Sotheby's International Realty has the listing.

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The Hamptons' most expensive property is located on Meadow Lane, home to its fair share of millionaires and billionaires.

With more than 14 acres of land, the property is truly massive. Listing photos show the lines that formerly divided the land into three separate lots. The current listing also includes a fourth lot facing the bay.

The new owners can enjoy three private walkways to the beach.

See the rest of the story at Business Insider

This meme showing how much Amazon billionaire Jeff Bezos has changed over the years is going viral


As any entrepreneur will tell you, change is the only way to stay ahead.

Nobody knows that better than Amazon's Jeff Bezos who has turned an online company selling books into an empire selling everything under the sun.

Bezos wowed Silicon Valley's Allen & Company Sun Valley Conference last week with a surprising physique that was quickly immortalized with memes. His "guns" were the most obvious change from when Amazon first started way back in the 90s, but his shaved head also marked a departure from his previous bookish look.

Bezos also frequently used to wear sweaters over collared shirts — a look that he has now swapped for vests over t-shirts and sunglasses. His slouchy posture is also gone.

Take a look at the original tweet by account @dissruption and all the varitions it spawned below.

jeff bezos


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