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These were the most Instagrammed cities in the world in 2017

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Eiffel Tower

After seven years in business, Instagram's global community of 800 million users are still snapping and posting away.

On Wednesday, the company released their 2017 Year in Review, which takes a look at what content floated above the rest, including the most-liked posts, top hashtags, and most-used filters.

Below, take a look at the cities that Instagram users were visiting — and geotagging — the most this year.

SEE ALSO: 50 stunning moments captured by the award-winning Reuters photography team in 2017

10. Barcelona, Spain

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9. Istanbul, Turkey

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8. Jakarta, Indonesia

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See the rest of the story at Business Insider

After the success of 'Dollaritas,' Applebee's is selling $1 Long Island Iced Teas — here's how to get one (DIN)

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Applebee's

  • Applebee's is selling Long Island Iced Teas for $1 the entire month of December.
  • The "Dollar L.I.T." contains vodka, rum, gin, tequila, triple sec, and sweet and sour mix. 
  • In October, Applebee's had a "Dollarita" deal, during which it sold margaritas for just $1 each.

 

Following the popularity of the "Dollarita," Applebee's is now going to sell $1 Long Island Iced Teas. 

The casual dining chain will launch the "Dollar L.I.T." promotion on December 1. For the entire month of December, customers can purchase a Long Island Iced Tea — made with vodka, rum, gin, tequila, triple sec, and sweet and sour mix — for just $1. 

Applebees_Dollar_Long_Island_Iced_Tea

The Dollar L.I.T. will be available all day, every day, at all participating locations across the US. Unfortunately, a few locations — including some in New York City — will likely not offer the deal, so if you're truly committed to your L.I.T., it may be best to call your local Applebee's beforehand. 

While Applebee's same-stores sales dropped 7.7% in the most recent quarter, the chain's $1 margarita deal in October provided a crucial buzzy promotion for the struggling chain. 

Applebee's has doubled down on deals to attract budget shoppers and played up its history as a bar as casual dining sales have slumped. In August, executives announced that the chain plans to close between 105 and 135 locations this year. 

SEE ALSO: The Cheesecake Factory has embraced being 'one of the most horrible-looking places around' — and it's a brilliant tactic

Join the conversation about this story »

NOW WATCH: Gary Shilling: Here's how I'd fix the Fed

How much it costs to get a haircut in cities around the world, in two charts

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washing gray hair

  • Haircuts generally cost more in cities where local wages are higher, and less in cities where local wages are lower.
  • For the most part, women pay more for haircuts than men do.
  • We put together a list of how much a haircut costs in various cities around the world.

 

If you're planning a trip to Beijing, you might want to get a haircut while you're there. It'll run you less than $10.

UBS analysts collected data back in 2015 on how much it costs to get a haircut in various major cities across the world.

Overall, haircuts were more expensive in cities were local salaries were higher, the analysts found. Haircut prices were lower in cities where local salaries were lower.

Haircuts for women were the most expensive in Oslo, Norway ($95.04), Zurich, Switzerland ($86.71), and Geneva, Switzerland ($83.97). They were the cheapest in Jakarta, Indonesia ($4.63), Manila, Philippines ($6.18), and Beijing, China ($9.27).

As for men, haircuts were the most expensive in Olso, Norway ($77.72), Copenhagen, Denmark ($52.55), and Zurich, Switzerland ($50.79). They were the cheapest in Jakarta, Indonesia ($4.50), Beijing, China ($5.24), and New Delhi, India ($5.29).

Women's haircuts cost an average of 40% more than men's across the globe, the UBS team found. That means a woman might end up paying more for a haircut in a city with a low cost of living than a man in a more expensive city.

We put together UBS's 2015 data on haircut prices for women and men across the cities in the two charts below.

Here's how much it costs women to get a haircut around the world:

price of womens haircut

And here's how much it a haircut costs men around the world:

price of mens haircut

SEE ALSO: How much it costs to grab a beer around the world

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NOW WATCH: Here's how to figure out exactly how your take-home pay could change under Trump's new tax plan

Sexual harassment isn't a Hollywood, tech, or media issue — it affects everyone

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matt lauer

  • Sexual harassment doesn't just affect the Hollywood elite, major tech companies, or TV journalists.
  • Allegations of sexual harassment have impacted most industries.
  • A new poll from MSN shows just how far-reaching the issue is.


Sexual harassment in the workplace isn't an industry issue. Nor is it a toxic workplace issue. It's an issue that affects literally everyone. 

number of industries have been implicated in the wake of producer Harvey Weinstein's alleged sexual misconduct, including Hollywood, politicssports, and media. Before that, sexual harassment at work made headlines with tech's "bro-culture" problem. And before Matt Lauer and Charlie Rose were accused of sexual misconduct, the media industry faced criticism with Roger Ailes and Bill O'Reilly's oustings. And the list goes on.

When pretty much every industry out there is involved, it's naive to simply point the finger at these institutions and damn them for perpetuating a systemic issue.

To be sure, toxic workplace cultures are partially to blame — companies with these values are far more susceptible to sexual harassment.

But don't let these characterizations lull you into a false sense of security. Sexual harassment is a problem that affects everyone — not just those in high-profile positions or industries.

sexual harassment boss office

Sexual harassment is more rampant than you want to think

Overall, about one in three people (31%) in the US admit to having been sexually harassed at work, according to a poll from Business Insider's partner, MSN.

MSN polls its readers and then uses machine learning to model how a representative sample of the US would have responded, using big data, such as the Census. It's as accurate as a traditional, scientific survey.

For women, the situation is drastically more dire.

Overall, 45% of women polled said they have been sexually harassed at work. This translates to about 33.6 million women in the US.

The group that experienced the most harassment were women between the ages 30 and 44 — almost half (49%) said they had been sexually harassed at work. Not far behind, 47% of women ages 45 to 64 said they were sexually harassed at work, followed by 41% of women ages 18 to 20, and finally 40% of women 65 or older.

Sexual harassment at work doesn't just affect women.

While 15% of men said they had been sexually harassed at work, a higher proportion of men between the ages of 30 and 44 said they had been sexually harassed in the workplace: 22%.

gretchen carlson roger ailes fox news sexual harassment getty images

Speaking up rarely ends well for the victim 

Former Fox News Channel host Gretchen Carlson stunned the media world when she filed a sexual-harassment lawsuit against Fox News chairman and CEO Roger Ailes in 2016.

In her lawsuit, Carlson said Ailes repeatedly sexually harassed her, and that she was fired from her job of 11 years for turning down his sexual advances.

The lawsuit ultimately led to Ailes' resignation from the network, which he had run since its founding in 1996, and Carlson settled the suit for a reported $20 million in 2016.

But Carlson did not walk away from the accusation unscathed.

At Fortune's Most Powerful Women (MPW) Summit in October, the TV journalist said she faced concentrated backlash on social media when she came forward, and many people close to her distanced themselves. "You find out who your friends are in a big way," she said. "It can be a very alone experience."

Carlson also said that, for many people who confront sexual harassment head-on, the fallout can often be steep:

"First of all, if you do come forward, you'll be labeled a 'troublemaker' or a 'bitch.' More importantly, you won't be believed. And, some people have even suggested that you do it for money or fame."

Carlson said it takes courage to put your career on the line and report sexual harassment in the workplace.

"When you know that that's the culture that we still live in ... it's the most important decision of your life to dig deep for that courage, to know that you might torpedo everything that you've worked so hard for," she said.

It's unsurprising, then, that 73% of the women who said they had been sexually harassed at work also said that they never reported it. Of the men that said they were sexually harassed at work, 81% said they never reported it.

Bill O'Reilly

Sexual harassment can happen anywhere, anytime, and be perpetrated by anyone

Certain factors may make organizations or institutions more susceptible to instances of sexual harassment.

A 2015 report from researchers at Kent State University and the University of Texas at Tyler found that the "prevalence of male norms in the male-dominated environment may result in a more hostile workplace for women who are perceived by men as violators of the gender norms."

But as Adam Bear and Joshua Knobe wrote in The New York Times, when normally inappropriate or unacceptable actions continue unabated, people tend to adapt their mindset, and sexual harassment becomes normalized and seen as less worthy of outrage.

This could happen literally anywhere — and in many places, it seems that it already has.

When asked to rate their employers' efforts against sexual harassment, 42% of the people MSN polled overall said their employers have done enough, while 26% said they haven't.

But when you ask women, who are disproportionately more likely to experience sexual harassment at work, the number of people satisfied with their employers' approach to sexual harassment at work drops to 36%, while 33% of women say their employers haven't done enough.

What's more, with 31% of the American workforce reporting they've been sexually harassed at work, if you work at a company with at least three people, odds are either you or one of your coworkers has been sexually harassed at work.

While this means you may not be affected directly, you are undoubtedly affected indirectly by the financial and emotional damage sexual harassment's causes.

According to Working Woman Magazine, a typical Fortune 500 corporation blighted by sexual harassment incidents can expect to lose $14.02 million adjusted for inflation annually from absenteeism, lower productivity, increased health-care costs, poor morale, and employee turnover.

And it cannot be good for any employer's bottom line when sexual harassment settlements and legal fees themselves cost the company tens of millions of dollars.

In fact, thanks to the growing number of allegations, Business Insider's Lauren Lyons Cole reports that some companies are purchasing employee practices liability insurance to protect against the financial risk of sexual harassment.

These policies have become a multi-billion dollar industry, with companies collectively paying over $2 billion in EPLI premiums last year.

"Claims are so common now that it's more or less part of the cost of doing business," New Jersey employment lawyer Stephanie Gironda told Business Insider.

SEE ALSO: 6 signs you're being sexually harassed at work and might not realize it

DON'T MISS: A Facebook exec says the best way to remove bias against mothers is to force men to take equal parental leave

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NOW WATCH: The world's largest pyramid is not in Egypt

A report found that fine-dining restaurants have 132 times as much bacteria as fast-food chains

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mcdonalds french fries

  • A report found that fine-dining chains are harboring 100 times more bacteria than fast-food chains. 
  • While fast food has a bad reputation, there are reasons to believe it's safer to eat than the food at many fancy restaurants. 
  • Workers have less opportunities to spread bacteria, and corporate oversight cuts down on risks. 

 

President Donald Trump seems to be right about one thing — fast-food locations are less likely to have bacteria than fine-dining restaurants, according to a new report. 

Samples collected at three fast-food joints and three fine-dining establishments found the upscale locations to be a more likely host for germs, according to dinnerware supplier Restaurantware. The average bacteria colony count of the fast-food locations was a little over 20,000; the average colony count of the three fine-dining establishments was more than 2.7 million. 

mcdonald's fast food worker

Six samples don't make for a very complete study — but there are reasons to believe that fancy restaurants tend to have more bacteria than fast-food. 

The Center for Science in the Public Interest has said in the past that McDonald's and other fast-food chains "may be the safest paces to eat out," Time reported. 

Many of the most dangerous opportunities to spread bacteria happen when employees are handling food, especially raw food. Since fast-food chains often get food delivered frozen and then simply reheat or fry the meals, there's less opportunity for bacteria to spread.

Chipotle, a rare chain where workers did handle raw food and uncooked vegetables, witnessed the dangers of more hands-on methods of food preparation during its E. coli outbreak in 2015. 

Additionally, fast-food chains have stricter regulations than some independent restaurants do. Corporations have rules regarding everything from hand-washing to the specific temperature and time that food needs to be cooked.

There may not be much room for creativity — but there's also little room for error. 

SEE ALSO: Reports of fecal bacteria in drinks at chains like McDonald's are a red flag for bigger problems, a scientist explains

Join the conversation about this story »

NOW WATCH: We talked to the chief investment strategist at $920 billion fund giant Invesco about where you should invest right now

Beyoncé and Jay-Z bought an $88 million house — here's why their $52 million mortgage might be a smart business decision

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Beyonce Jay-Z

  • Beyoncé and Jay-Z purchased a Bel Air estate for $88 million.
  • They put 40% down and financed the rest with a $52.8 million mortgage from Goldman Sachs.
  • With historically low mortgage rates, taking out a loan allows them to put their cash to better use.

 

Beyoncé and Jay-Z, the billion-dollar power couple, have finally put down roots in Los Angeles.

The entertainment moguls bought a 2-acre hillside estate in Bel Air earlier this year for $88 million, making it the sixth-priciest home purchase in the history of Los Angeles.

In addition to 30,000 square feet of living space housed in six glass-walled structures, the ultramodern property has four outdoor pools, a spa and wellness center, a full-sized basketball court, and a 15-car garage.

Despite holding Forbes' title of the highest-paid celebrity couple in the world, with a combined fortune of $1.16 billion, Beyoncé and Jay-Z took out an eye-popping $52.8 million mortgage from Goldman Sachs for the purchase, The Los Angeles Times first reported.

That leaves the couple with a huge monthly payment of $149,600, according to the loan document, which is public record. The national median home value, for comparison, is $200,700.

Keeping their mounds of cash liquid could be a smart business decision. For starters, it helps to maintain their lavish lifestyle. But it could also allow them to continue investing heavily in tech companies, presumably earning returns greater than the amount of interest they'll pay, considering mortgage rates are still historically low in the US.

"Depending on how their portfolio looks — what they've invested in — I think there could be a huge benefit [to Beyoncé and Jay-Z]. It gives them flexibility, and they could pay the mortgage off anytime," Robert Cohan, a managing director at Carlyle Financial in Los Angeles, told Business Insider.

Based on mortgage applications for new home purchases in July from the Mortgage Bankers Association, the average American applied for a loan of $329,483. At 4% interest over 30 years, that's a monthly payment of $1,573. Beyoncé and Jay-Z will be paying about 95 times as much for their new abode.

Cohan said they most likely had a prior relationship with Goldman Sachs, making it easier to secure the massive loan at a low interest rate.

"In regards to a mortgage this size — $15 million and up — you get into a position where a lender will only look at a mortgage this size if there is a relationship there," Cohan said. "They won't look at it on a transaction basis."

The couple put down 40% of the purchase price — $35.2 million — in cash and financed the mortgage through two separate trusts, public record shows. Their loan is a five-year adjustable-rate mortgage with an initial rate of 3.4%, meaning the rate will stay the same for the first five years and then adjust annually based on Libor, a benchmark rate used by the world's leading banks. Until then, they'll be making interest-only payments.

In Los Angeles and a handful of other pricey markets across the country, jumbo mortgages are issued for loans greater than $636,150. Supersized mortgages are the norm in Bel Air, the ritzy LA neighborhood the couple will soon call home, where the median home value is $3.25 million, according to Zillow.

For a homebuyer looking to secure a jumbo mortgage, at least two years of tax documentation proving steady income is required, as well as a credit score above 720, a favorable debt-to-income ratio, and enough cash in the bank to cover a year of payments. Cohan said Beyoncé and Jay-Z may have had to provide more documents as proof of cash flow if the bank didn't already manage their money.

Ultimately, while there's some risk associated with lending a mortgage this size, he said, the potential benefit to the bank is high if Beyoncé and Jay-Z park their other assets there as well.

"Large financial institutions — Morgan Stanley, Goldman Sachs — are fighting for these types of clients to manage their money where they can have access to this opportunity," Cohan said.

SEE ALSO: A guide to how Beyoncé and Jay Z spend their billions

DON'T MISS: The salary you need to earn to buy a home right now in 23 of the most expensive US housing markets

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NOW WATCH: Here's how Jay Z and Beyoncé spend their $1.16 billion

Bankrupt Toys R Us' plan to pay executives multimillion-dollar bonuses 'defies logic and sense,' US trustee says

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toys r us

  • The Department of Justice trustee assigned to Toys R Us' bankruptcy case has written a fiercely worded letter criticizing the retailer's plan to pay executives multimillion-dollar sums.
  • In a statement, Toys R Us defended the motion as "standard practice." 
  • A final decision will be made in court in December.

 

Toys R Us' bankruptcy proceedings are off to a rocky start.

In a fiercely worded letter, Judy A. Robbins, the Department of Justice trustee assigned to Toys R Us' bankruptcy case, argued that the retailer's plan to pay multimillion-dollar bonuses to executives "defies logic and sense," as reported by The Record.

The letter was written in response to a motion, filed by Toys R Us in bankruptcy court on November 15, that requested permission to award bonuses to 17 executives. The bonuses would start at $16 million and later double should certain financial goals be met at the company.

"Apparently, this Christmas, Toys R Us intends to deliver not only 'children their biggest smiles of the year' but the insiders, too," Robbins wrote, making reference to an earlier bankruptcy filing by Toys R Us CEO Dave Brandon, who included the retailer's jingle to evoke nostalgia.

She noted that five executives were given a package of bonuses totaling $8.2 million just before the bankruptcy filing. This included a $2.8 million incentive for Brandon "just to stay with the company," Robbins wrote.

Robbins also questioned how all the company's financials would pan out, given that Toys R Us has not yet submitted a restructuring plan. 

Toys R Us filed for bankruptcy restructuring earlier this year, after being crushed by a mountain of debt resulting from a leveraged buyout. In a statement to Business Insider, it defended its motions regarding the incentives and bonuses, saying it is "standard practice for a company involved in a restructuring."

"Toys R Us filed several motions with the court including a proposal for an incentive program which includes all team members, not just senior executives," the statement read.

The company did file a separate motion with the court, hoping to pay $45.8 million to 3,805 employees in management roles. If financial goals are met, the company would actually pay out $68 million to these managers.

"Before an incentive program can be implemented, we will continue consulting with our creditors and the US trustee regarding the program and the program must be reviewed and approved by the Federal Bankruptcy Court," the statements continued

DOJ trustees are assigned to bankruptcy cases to ensure all laws are followed, and to make sure all sides — including creditors and debtors — are represented and play fairly. The trustees do not have the power to make prosecutorial decisions or to rule on motions.

A judge will rule on Toys R Us' motion next month.

SEE ALSO: Fingerlings are officially the biggest toy of this holiday season — and they might already be impossible to get before Christmas

Join the conversation about this story »

NOW WATCH: We talked to the chief investment strategist at $920 billion fund giant Invesco about where you should invest right now

Inside the marriage of Beyoncé and Jay-Z, who sport matching ring finger tattoos, weathered a cheating scandal, and are worth over $1 billion

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Jay Z Beyonce

• Music industry titans Jay-Z and Beyoncé have been married since 2008.

According to Forbes, the couple's net worth comes out to a total of $1.16 billion.

• The pair now have three children: Blue Ivy, and twins Rumi and Sir.



Ever since they collaborated on the song "'03 Bonnie & Clyde" back in 2002, Beyoncé and Jay-Z have been a match made in musical heaven.

Tabloids were quick to speculate whether or not the duo had more than a professional relationship. But even after they tied the knot in 2008, the couple has largely kept quiet about their romance.

But that doesn't mean it's always been smooth sailing for the "Crazy in Love" couple.

In a recent interview with New York Times executive editor Dean Baquet, Jay-Z opened up about his infidelity, which Beyoncé alluded to in her acclaimed visual album Lemonade.

"You shut down all emotions," the rapper told Baquet. "So even with women, you gonna shut down emotionally, so you can't connect... In my case, like it's, it's deep. And then all the things happen from there: infidelity."

Jay-Z went on to reveal the couple used their craft "like a therapy session," making music together in order to heal. The sessions ultimately resulted in reconciliation, along with Lemonade and Jay-Z's album 4:44.

Here's a look back on the relationship of Jay-Z and Beyoncé:

SEE ALSO: A guide to how Beyoncé and Jay Z spend their billions

DON'T MISS: Inside the marriage of billionaire Spanx founder Sara Blakely and entrepreneur Jesse Itzler, who met at a poker game and slow dance to make up after fights

While "'03 Bonnie & Clyde" dropped in 2002, Vulture reported the couple might have initially met as early as 1997.

Source: Vulture



The pair graced the red carpet together for the first time at the 2004 MTV Video Music Awards. Still, they stayed mum about their relationship.

Source: Vulture



Beyoncé later told Essence the couple both decided they didn't want their romance to be in the spotlight: "What Jay and I have is real. It's not about interviews or getting the right photo op. It's real."

Source: EssenceVulture



See the rest of the story at Business Insider

In-N-Out is expanding to Colorado

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In-N-Out

  • In-N-Out Burger is opening a distribution center in Colorado Springs, Colorado.
  • The news was announced on Twitter by Denver City Council President Albus Brooks.
  • It's the first land acquisition in Colorado by the company, and it sets the stage for opening future restaurants. 

 

In-N-Out is about to invade Colorado.

The vaunted California-based burger chain is set to open a distribution center for operations in Colorado. The facility will be located in Colorado Springs, at Interquest Parkway and Voyager Parkway in the new Victory Ridge redevelopment.

The location will also have both office space and a burger patty-making facility, setting the stage for new In-N-Out restaurants in the state. Colorado would be the seventh state to have In-N-Out restaurants, in addition to California, Texas, Arizona, Utah, Nevada, and Oregon.

The news was first announced in a tweet from Denver City Council President Albus Brooks. Colorado Springs is about 45 minutes from Denver.

A spokesperson for the project's development company confirmed the news with Business Insider. No timeline was given for the facilities' opening, as they are still in the early planning stages.

The burger chain is famously methodical in its approach to expansion, and it rolls out new restaurants and distribution centers slowly to maintain quality control. It calls this its "slow growth strategy."

Rumors of In-N-Out's expansion to Colorado have circulated for years. 

In 2013, Brooks wrote a letter to In-N-Out's head of planning and development, Carl Van Fleet, requesting that the company bring its restaurants to Colorado.

According to a letter obtained by The Denver Post, Van Fleet responded by saying, "You continue to give us the biggest compliment possible with your efforts to interest us in Colorado. That said, at this time, we're still not looking to add a sixth state and we’re just focusing our growth efforts in the five states where we currently operate."

It seems that times have changed.

SEE ALSO: I tried Shake Shack and In-N-Out side by side — and it's clear which one is better

Join the conversation about this story »

NOW WATCH: There's a secret 'Burger Joint' inside this swanky NYC hotel

The surprising 'prenups' of America's richest couples

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Beyonce Jay-Z

  • A prenuptial agreement (or prenup) is a legal agreement couples enter into before they get married.
  • Many involve what will happen to the couple's finances should they divorce.
  • However, relationship contracts, whether they be a prenup, postnup, or other agreement, can stipulate more than simply who gets what in case of a breakup.


Successful power couples agree upon important issues from the get go.

And whether it's with a legally-binding prenup, or postnup, or a more flexible relationship agreement, they often put it in writing.

"Two egos in a marriage can be great if all the important issues are agreed upon up front," Handel Group co-president and life coach Laurie Gerber previously told Business Insider.

While prenups are traditionally thought of as worst-case-scenario financial planning, relationship agreements aren't always all about the money.

Some of the most important issues couples should agree upon early on include sexual and romantic needs, family boundaries, and who pays for what, and putting it into writing can give a marriage a better chance of success.

Most breakups happen because of cheating, Gerber says: "Couples who face the reality of this threat head-on and deal with it stand the most chance of success."

"Don't be afraid to put it all in writing to refer back to as a living breathing document," she says. "And plan to have meetings about how you are running your marriage and family just as you would for your company or any other project you care about profoundly."

Here are some of the less conventional things successful power couples have put into writing:

SEE ALSO: Successful power couples that stay together have 8 things in common

DON'T MISS: Why successful people get divorced

Mark Zuckerberg and Priscilla Chan agreed to spend more time together

Before marrying in 2012, when Priscilla Chan moved to Palo Alto, California, she and Facebook CEO and founder Mark Zuckerberg drew up a relationship agreement.

In it, Zuckerberg agreed to take her on a date once a week and spend 100 minutes of alone time each week with her outside the office or his apartment.

The couple are worth an estimated $74.5 billion.



Jessica Biel and Justin Timberlake have a clause about cheating

Actors Jessica Biel and Justin Timberlake reportedly have an infidelity clause in their prenup that states Biel will receive $500,000 if Timberlake cheats.

The couple are worth an estimated $248 million



Nicole Kidman and Keith Urban agreed not to tolerate drug or alcohol abuse

Actress Nicole Kidman and singer songwriter Keith Urban reportedly signed a prenup stipulating that Urban, who struggled with alcoholism and cocaine abuse, would receive $600,000 a year for every year they are together, but only if Urban refrained from using illegal narcotics or drinks excessively.

The couple married in June 2006, and in October 2006 Urban checked into rehab for an alcohol addiction.

"Definitely we both met each other exactly at the right time," Urban told People magazine in 2007. "She said early on that she wanted to be brave with me. I feel there was something else at work, bringing us together and then just continuing to watch over us." 

The couple are worth an estimated $205 million.



See the rest of the story at Business Insider

21 stunning portraits that just won one of the most prestigious awards in the industry

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Fleeing Mosul from the series Women in War: Life After ISIS by

This year, 2,423 photographers from 66 countries submitted entries to the prestigious portrait contest hosted by the National Portrait Gallery in London.

Since 1993, the Taylor Wessing Photographic Portrait Prize has awarded and celebrated photographers at every level, including amateurs, emerging photographers, and seasoned professionals. 

59 images from a total of 5,717 entries were recognized in this year's edition. The grand-prize winner, photographed by Spanish photojournalist César Dezfuli, was awarded with over $20,000 in prize money. The selected photos will hang in the National Portrait Gallery in London until February 8, 2018.

See a selection of the powerful winning images, below. 

SEE ALSO: 50 stunning moments captured by the award-winning Reuters photography team in 2017

César Dezfuli's photo of a 16-year-old migrant from Mali was awarded first place.



Second place was awarded to Abbie Trayler-Smith, whose winning image is a part of her series "Women in War: Life After ISIS."



Erica, an android, was photographed by Maija Tammi for the series "One of Them Is a Human." It was awarded third place.



See the rest of the story at Business Insider

A personal trainer reveals the 'most effective method of intermittent fasting' — here's how to get started

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Intermittent fasting is changing the way people eat. But there are so many different ways to fast these days, is one method better than all the rest? Personal trainer and health coach, Max Lowery says, cutting your eating down to just 2 meals a day is the best way to tackle fasting head-on. He also believes that the popular 16:8 method isn't as perfect as it seems.

With just one slight adjustment, he says you can make it far more effective. You can learn more about his lifestyle on Instagram. Lowery also has a book "The 2 Meal Day" about his intermittent fasting technique, on sale in the US Dec. 5. Following is a transcript of the video.

Max Lowery: So 16:8 is basically, you break your day up into a period of a 16-hour fast with an 8-hour eating window. And I think it's just, you know, for me, it's just the more natural way of eating. Obviously, most people that start doing the two meal day is because of weight loss, and yes, they are losing weight but actually, we're constantly hearing how people have so much more energy throughout the day. They are not having, you know, this energy crashes because they aren't so dependent on food for energy, they are using body fat. They realize that they don't have to constantly eat to get themselves through the day.

So the reason I started the two meal day — it's not the 16:8, is because one of the main issues that people come into with the 16:8 is that they get obsessed with the time periods. And they start counting down the hours until they can eat and they end up eating because the clock tells them to rather than their body tells them to. It's essentially the same thing, in terms of, what's going on, but just changing the focus to listening to your body is when it becomes a way of life because you're understanding yourself better. 

If someone says, "Okay, how do I start tomorrow?" First of all, choose whether you're going to find it easier to skip dinner or you're going to find it's easier to skip breakfast. So say you're skipping breakfast, I would say, "Okay, what time do you normally have your breakfast?" Average person says 8 a.m. I'll say, "Okay, rather than 8 a.m., go in to work or whatever you are doing and wait until 10 a.m. and see how you feel." And then basically, over the course of two weeks, push until it's a 16-hour gap. And the whole time you are listening to your body, you're kind of, hopefully learning to understand that just because your stomach is empty, does not mean that you are hungry. 

Then the main thing is that you fundamentally need to be eating whole foods cooked from scratch. A lot of other intermittent fasting methods have been like, "Oh no, you can eat what you want but just in a small time period" or "Eat what you want for 5 days." That doesn't encourage changes in behavior long-term, which is obviously, fundamentally what the issue is for some people. So all I'm trying to do is just educate people and give them the tools to listen to their bodies better and that's really what it boils down to.

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Pinterest president and top business chief Tim Kendall is out

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Tim Kendall

  • Pinterest's president and top business executive, Tim Kendall, is leaving to create a startup with the goal of curbing tech device addiction.
  • He will be replaced by Pinterest's current SVP of ads and commerce, Jon Alferness, and continue to serve as an advisor.
  • Pinterest raised $150 million in funding at a roughly $12 billion valuation earlier this year and reportedly expects to make $500 million in ad revenue for 2017.


Pinterest's longtime president and top business exec, Tim Kendall, is leaving to launch a startup aimed at curbing tech device addiction, Pinterest told Business Insider on Thursday.

His departure from Pinterest comes as the visual discovery platform reportedly expects to make roughly $500 million in ad revenue this year and mulls an eventual initial public offering. Kendall joined Pinterest six years ago and previously served as an early executive at Facebook.

"Tim has made important contributions to Pinterest and we are pleased that he will continue to serve as an advisor to the company," Pinterest said in an emailed statement. "Jon Alferness, Senior Vice President for Ads and Commerce, will now lead the world-class team driving our rapidly growing ads business. Our focus continues to be measurable and actionable results for our partners while giving Pinners relevant ideas to help them discover and do new things."

Just one day before his departure was announced, Kendall appeared at Business Insider's IGNITION conference in New York to champion Pinterest as a challenger to the Facebook-Google duopoly over the digital advertising business.

Now he's leaving Pinterest to launch a startup aimed at fighting tech device addiction. Given his background working at both Facebook and Pinterest, it's an area he's well suited for.

SEE ALSO: Pinterest thinks it can challenge the Facebook-Google duopoly

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NOW WATCH: A recipe called 'Mississippi Roast' came out of nowhere and got shared on Pinterest 1 million times

Jay-Z says therapy gave him a huge advantage in everyday life

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  • Rapper Jay-Z told The New York Times he's gone to therapy and benefitted from it.
  • He started to understand where his difficult emotions were coming from.
  • He also learned to depersonalize others' aggression, because he realized they're dealing with their own difficult emotions.


Rapper Jay-Z says he's gone to therapy and benefitted from the process.

In an interview with New York Times executive editor Dean Baquet, Jay-Z said he "grew so much from the experience."

He went on: "The most important thing I got is that everything is connected. Every emotion is connected and it comes from somewhere. And just being aware of it. Being aware of it in everyday life puts you at such a ... you're at such an advantage."

What's more, Jay-Z said he learned how to deal with other people's aggression or difficult behavior:

"You realize that if someone's racist toward you, it ain't about you. It's about their upbringing and what happened to them, and how that led them to this point. You know, most bullies bully. It just happen. Oh, you got bullied as a kid so you trying to bully me. I understand.

"And once I understand that, instead of reacting to that with anger, I can provide a softer landing and maybe, 'Aw, man, is you O.K.?' I was just saying there was a lot of fights in our neighborhood that started with 'What you looking at? Why you looking at me? You looking at me?' And then you realize: 'Oh, you think I see you. You’re in this space where you’re hurting, and you think I see you, so you don’t want me to look at you. And you don’t want me to see you.'"

Jay-Z added that many young men, in order to survive, "shut down all emotions." Possibly alluding to troubles in his own marriage, he said "even with women, you gonna shut down emotionally, so you can't connect," and from there, things like infidelity happen.

Understanding the genesis of your emotions — something Jay-Z said he learned through therapy — is no small feat.

In her 2003 book "Radical Acceptance," psychologist and Buddhist meditation teacher Tara Brach uses the metaphor "dogs in the cellar" to describe how our past experiences continue to influence our behavior today. If you ignore those experiences and try to push them back down — i.e. locking the dogs in the cellar — they only get more powerful. The key is to accept and even embrace the pain, allowing it to dissipate.

The next step is understanding that others are necessarily dealing with their own dogs in the cellar — that, as Jay-Z says, "it's about their upbringing and what happened to them."

Empathy for yourself and for the people you interact with makes life a lot easier.

Read the full New York Times interview here »

SEE ALSO: Inside the marriage of Beyoncé and Jay-Z, who sport matching ring finger tattoos, weathered a cheating scandal, and are worth over $1 billion

SEE ALSO: Beyoncé and Jay-Z bought an $88 million house — here's why their $52 million mortgage might be a smart business decision

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NOW WATCH: Here's how Jay Z and Beyoncé spend their $1.16 billion

More than half of American workers wouldn't be able to take their sexual harassment claims to court

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gretchen carlson

  • With each sexual harassment allegation that comes to light, one question continues to arise: How have these harassers been able to get away with it for so long?
  • One major reason is that most of these cases are never brought to court.
  • Critics of mandatory arbitration clauses, which are becoming increasingly common in the US, say these company policies force victims to keep silent, allowing a cycle of abuse to continue. 


Former Fox News Channel host Gretchen Carlson stunned the media world when she filed a sexual-harassment lawsuit against Fox News chairman and CEO Roger Ailes in 2016.

In her lawsuit, Carlson said Ailes repeatedly sexually harassed her, and that she was fired for turning down his sexual advances.

In signing her employment agreement 11 years prior, Carlson had agreed to resolve disputes with Fox News Channel through private arbitration. But she and her legal team found a way around this by suing Ailes personally.

The lawsuit ultimately led to Ailes' resignation from the network, which he had run since its founding in 1996, and Carlson settled the suit for a reported $20 million in 2016. The suit also empowered more women to come forward against their harassers.

But the outcome could have been very different had Carlson simply abided by her mandatory arbitration clause.

With each sexual harassment allegation that comes to light, one question continues to arise: How have these harassers been able to get away with it for so long?

It turns out, the blame falls, in part, on the companies employing them.

A growing number of American companies are requiring workers as a condition of their employment to sign agreements that stipulate they must resolve a dispute with their employer through arbitration. This agreement is known as a mandatory arbitration clause.

As a result, more than half of American workers wouldn't be able to take their sexual harassment claims to court.

More than 56% of American workers — about 60 million — are subject to mandatory arbitration in the US, according to the Economic Policy Institute's survey of nonunion private-sector employers.

This means that more than half of private-sector employees in the US have signed an agreement with their employer stating that, should they have a legal claim against the employer, they are barred from taking their issue to court and must instead handle the claim through the arbitration procedure designated in the agreement.

The New York Times reports that, between 2005 and 2015, thousands of businesses across the US used private arbitration, depriving tens of millions of Americans of their day in court.

"This amounts to the whole-scale privatization of the justice system," Myriam Gilles, a law professor at the Benjamin N. Cardozo School of Law, told the New York Times. "Americans are actively being deprived of their rights."

These clauses are often buried so deep in the fine print that employees are usually unaware that they have signed away their right to bring their case to public court.

What's more, The Times reports that, with private arbitration, "rules tend to favor businesses, and judges and juries have been replaced by arbitrators who commonly consider the companies their clients."

Research published in the Brooklyn Law Review shows that employees who are covered by mandatory arbitration provisions rarely actually file arbitration claims. Another study by Cornell University found that those employees who do file arbitration claims are less likely to win and recover lower damages than employees who go to trial.

What's more, oftentimes arbitration is private and decisions are not published.

"This veil of secrecy protects serial harassers by keeping other potential victims in the dark, and minimizing pressure on companies to fire predators," Carlson wrote for The Times.

The Arbitration Fairness Act of 2017, which is before the House Judiciary Committee and for which Carlson is an advocate, would prohibit employers from requiring arbitration.

"Reforming arbitration laws is key to stopping sexual harassment," Carlson wrote.

But she said that it's also up to companies to act, too.

"By ending arbitration clauses, blacklisting, and workplace cultures where abuse thrives, we can ensure that victims of harassment speak out," Carlson wrote.

In a blog post titled "Five Things Tech Companies Can Do Better", Susan Fowler, the ex-Uber employee who wrote a tell-all about sexual harassment and gender bias that shook up the company, also advocates for ending forced arbitration.

She wrote that it "deprives employees of their constitutional rights, and it forces employees who have been treated unlawfully to keep silent about what they have experienced. It is entirely in the interests of the company and not the employee."

DON'T MISS: Sexual harassment isn't a Hollywood, tech, or media issue — it affects everyone

SEE ALSO: 6 signs you're being sexually harassed at work

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NOW WATCH: Megyn Kelly heard rumors about Matt Lauer and 'hoped it wasn't true'


I wrote about how much I hate my iPhone X — and an army of Apple fans attacked me online

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iphone x

  • I wrote an article about why I hate my new iPhone X.
  • A lot of people didn't agree with me.
  • That doesn't change my opinion.


When I published my article on the iPhone X, I was prepared for a bit of hate mail.

After all, I was going against the consensus, and I knew many people didn't think my biggest complaint — that it's difficult to use with one hand — was anything to make a stink about.

And if I didn't know that before I published, I certainly would have realized soon after. Both my inbox and my  Twitter notifications flooded with reader responses, almost all negative and condescending.

Apple fans are a notoriously loyal bunch — the company regularly appears on lists of consumers' most-loved brands— so it's no surprise the article's publication stirred a hornet's nest.

Some people seem to have taken personally my wish to have a phone that works for me. Some told me to stop driving and texting at the same time (I don't own a car). Others insinuated I might be new to technology or Apple products (I've used an iPhone since 2012).

Apple fanboy tweet

One reader email used a flawed example of how we have adapted to touchscreen technology over time, and how my issue is no different. This reader conflated issues of adaptation and ergonomics. I say you can't fit a square peg in a round hole.

There were, of course, jokes about the size of my hands. I like to think of my hands as relatively average-sized, but they might be below-average. The point being, there are plenty of people with smaller hands than me, who probably would also like to use Apple's latest device with one hand.

Apple fanboy tweetApple fanboy tweetApple fanboy tweet

Many, many people told me to enable "reachability," Apple's solution to using large-screened phones with one hand. Some even went so far as to tweet screenshots of the function's location in settings. Very helpful.

If they actually read the post, they would have seen that I had enabled reachability, but I found its usability very poor and very inconsistent. Oh, well.

The general sentiment was that I was using the phone wrong, and that if I could just fix that, the phone would be perfect. I don't know if the anger was directed towards me out of loyalty to Apple, or to justify their own choice to spend $1,000 on a phone. It was obvious that much of the criticism came from people who had never used the phone themselves.

Many readers guessed correctly that I was not a user of the Plus models of iPhones before. I believe I am in good company here, as Apple’s smaller phones remain their most widely used models. If the iPhone is going to reach a mass audience, it needs to take concerns like mine into account.

Macalope, a pseudonymous Apple blogger, even featured my post as one of his "big complaint" features. I was honored. 

Apple fanboy tweetApple fanboy tweetI understand his point — I should have anticipated the difficulty based on how big of a screen the phone has. But the fact is, as much as I had read about it, I didn't. I was focused more on how the case size seemed so similar, which ended up being misleading. There's only one X size, after all.

A lot of Android fans told me I should consider defecting. No chance there. Despite how alluring the new Android-enabled handsets are, I'm way too deep in the Apple ecosystem now.

I was prepared for the criticism — but not how ridiculous it all was.

For what it's worth, I did receive some positive notes from readers. A number of people agreed with me, with some saying that they returned their iPhone X after just a few days with it. I've also talked to a fair number of people in person who agree with my take.

Who knows, though. It's hard to tell who is just humoring you when it's face to face and not over the internet.

SEE ALSO: I've been using my iPhone X for nearly a month, and I've decided I hate it

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Meet Tom Cotton, the Arkansas senator with Trump's ear who graduated from Harvard in 3 years and might become the next head of the CIA

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President Donald Trump may be replacing secretary of state Rex Tillerson with current CIA director Mike Pompeo by the end of the year, The New York Times reported on Thursday. Pompeo's probable successor? Young Sen. Tom Cotton of Arkansas.

The White House denied the report, and has tamped down rumors that Tillerson is exiting the administration for months. But Cotton is a rising conservative star, and has emerged as one of Trump's closest congressional advisers on foreign policy and national security.

If Trump offered him the CIA position, he would accept it, according to the Times. After the report, Cotton's spokesman said that his "focus is on serving Arkansans in the Senate."

The junior senator has found himself at the center of national politics and policy in Trump's DC, and has come a long way since his small-town beginnings in Arkansas.

Here's a rundown of his impressive career so far:

DON'T MISS: Intelligence veterans blast Tom Cotton as pro-torture, 'partisan,' and 'wholly unfit' to lead the CIA

SEE ALSO: Thousands of constituents pepper Cotton with tough questions on Obamacare repeal at raucous town hall event

Tom Cotton was born in Dardanelle, Arkansas in 1977. He graduated from Harvard University in only three short years, where he wrote a 92-page thesis on the Federalist papers, and worked at the prestigious Harvard Crimson.

Sources: The Atlantic, Harvard Crimson



After finishing graduate school and working in law, Cotton enlisted in the US Army as an infantryman in 2005, serving tours in Afghanistan and as a member of the storied 101st Airborne in Iraq. Cotton wrote that he was motivated to join the armed forces after 9/11.

Sources: Tom Cotton, Politico



In 2006, Cotton wrote a letter to The New York Times from Baghdad accusing the paper of violating the espionage act by detailing a US program that tracked terrorist financing. The Times didn't publish the letter, but it went viral in the conservative blogosphere.

Sources: Power Line, Snopes



See the rest of the story at Business Insider

'Sickened' Massage Envy CEO pens open letter to customers after dozens of sexual assaults are reported at the chain's spas

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massage envy

  • More than 180 people have accused Massage Envy massage therapists of sexual assault.
  • The CEO sent a public letter to all customers, saying he was "sickened" by the stories. 
  • Massage Envy is rescreening massage therapists and will announce new policies next week. 

 

Massage Envy's CEO has broken his silence following a bombshell report on sexual assault and harassment at the massage chain. 

On Monday,BuzzFeed News reported that more than 180 people had filed sexual assault lawsuits, police reports, and state board complaints against Massage Envy and its employees.

Reporter Katie J.M. Baker uncovered allegations of massage therapists touching women's genitals or breasts without consent, as well as other instances of sexual assault, such as grinding against or ejaculating on customers.

On Thursday, Massage Envy CEO Joseph Magnacca sent out an email to customers, apologizing for the claims of sexual misconduct and promising that the company planned to make changes. 

"I, like so many of you, continue to be sickened and so disheartened by the stories that have recently been published about sexual misconduct at Massage Envy franchise locations," Magnacca wrote. "We have zero tolerance for this type of behavior and to those who suffered, I am deeply sorry." 

According to Magnacca, Massage Envy will announce "details of a comprehensive and transparent path forward" next week. 

Here's the full letter: 

To Valued Massage Envy Members and Guests,

I, like so many of you, continue to be sickened and so disheartened by the stories that have recently been published about sexual misconduct at Massage Envy franchise locations. We have zero tolerance for this type of behavior and to those who suffered, I am deeply sorry.

The safety of members and guests has always been and will always be paramount. And, we are always looking for ways to do more.

Our initial reaction after reading the media reports was to respond immediately. But, we felt it was important to first talk directly to victims and victim rights groups, industry associations, and sexual violence experts to help define our plan. Early next week, we'll share the details of a comprehensive and transparent path forward. To make meaningful change in this industry, we have to do it thoughtfully and we cannot do it alone. Thankfully, there are many others that feel like we do and are anxious to help.

In the meantime, we are not standing still.

  • Each location was required to review, recommunicate and, in no uncertain terms, recommit to our safety and reporting policies.
  • We have just completed an additional review of all massage therapist files to ensure they have a completed background check and professional reference checks as well as to ensure their licensure/certification is current and annual training requirements have been met.
  • Our accredited third-party background screening company has begun rescreening each and every one of the 20,000 licensed massage therapists within the Massage Envy network.

Let me be clear: this is just the start and these first steps are not the complete answer. We are taking a hard look at ourselves and at the additional changes we must make. Next week, we will announce those changes and begin to put them into action.

We will never stop working to earn your trust.

Sincerely,

Joseph C. Magnacca
CEO Massage Envy Franchising, LLC

SEE ALSO: Dozens of claims of sexual assaults at Massage Envy spas reveal a crisis gripping the industry

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NOW WATCH: The dark story behind the term 'Black Friday'

Tiger Woods is back — here's how he spends his millions and lives his life off the course

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Tiger Woods

Tiger Woods is back.

After a tumultuous ten months that included his fourth back surgery in four years and an arrest after being found asleep in his car on the side of the road, Woods is finally back competing in a PGA Tour event.

This isn't the first time Woods has needed to come back. His career was derailed by affairs and a subsequent divorce from his wife, and his return to golf dominance has been hampered by injuries.

But despite this, Woods is still worth an estimated $740 million and is one of the highest-paid athletes of all time. That means plenty of cash to spend on yachts, private jets, megamansions, and video games.

Take a look at how he spends it all, below.

Tony Manfred and Mary Hanbury contributed reporting to a previous version of this article.

SEE ALSO: Injuries, infidelities, and poor choices: How Tiger Woods unraveled from the greatest golfer in the world

Tiger Woods has made more than $1.4 billion since turning pro in 1996.

Source: Golf Digest and Forbes



More than $110 million of that came from on-course winnings. He's No. 1 on the all-time money list, by far.

Read more: The 30 highest-paid golfers of all time



Roger Federer recently passed Woods as the highest-paid athlete of all time from a non-team sport.

Read more: Roger Federer has overtaken Tiger Woods as the top money-maker in individual sports with $110.2 million in earnings



See the rest of the story at Business Insider

The incredible career of Jeff Bezos' wife MacKenzie, an acclaimed writer who quit her job to support her husband and is now half of the richest couple in the world

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Amazon Jeff Bezos wife MacKenzie Bezos

• MacKenzie Bezos, the wife of Amazon CEO Jeff Bezos, is an award-winning novelist.

• She's had literary ambitions since she was six years old.

• Bezos is now the author of two novels, "The Testing of Luther Albright" and "Traps."



When Jeff Bezos told his wife MacKenzie about his idea for a new company, she was immediately on board.

Bezos traveled with her husband to Seattle, where she worked for the fledgling Amazon as an accountant.

The move was a bit of a departure for the Princeton grad, who had long dreamed of becoming a writer. But she was eager to support her husband.

"To me, watching your spouse, somebody that you love, have an adventure — what is better than that?" MacKenzie said during an interview with CBS.

Since the early days of Amazon, Bezos has gone on to pursue her literary dreams, publishing two novels, "The Testing of Luther Albright" in 2005 and "Traps" in 2013.

Here's a look at the career of award-winning novelist MacKenzie Bezos:

SEE ALSO: A look inside the marriage of world's richest couple, Jeff and MacKenzie Bezos — who met at work, were engaged in 3 months, and own more land than almost anyone else in America

DON'T MISS: A day in the life of the world's richest person, Jeff Bezos — who made $6.44 billion in one day, wakes up without an alarm, and washes dishes after dinner

MacKenzie grew up in San Francisco. She told Vogue she was a shy child who would often stay in her bedroom writing "elaborate stories."

Source: Vogue



She authored her first book — "The Book Worm" — at the age of six. The handwritten, 142-page novel was later lost in a flood, according to her Amazon author bio.

Source: Amazon



After high school, MacKenzie attended Hotchkiss, then transferred to Princeton in order to study fiction with Pulitzer Prize-winning author Toni Morrison.

Source: Vogue



See the rest of the story at Business Insider
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