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Allbirds vs. Rothy's — we break down which online shoe startup makes better women’s flats

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Allbirds vs. Rothy's 4x3

  • Two popular online shoe startups, Rothy's and Allbirds, make women's flats. 
  • Ranging in price from $95-$145, they're likely not a purchase you can simply make on the fly. 
  • To help you make an informed decision and buy a pair of flats you'll love, we've compared their most important features, like what they're made of and how they feel. 
  • Allbirds Tree Breezers ($95) are soft and cushion-y, with an almost sock-like feel and the added plus of an under-$100 price point. However, if you want more color and print options and a less cushioned (but still comfortable) feel, try one of Rothy's flats ($125-$145). 

Of all the types of shoes in my closet, the ones I could most easily see myself writing a lengthy love letter to are my flats. 

Anyone who has ever owned a pair of comfortable flats knows what I'm talking about. They're the easiest shoes to put on and take off, they can work for casual or formal settings, they barely take up any space in a suitcase, and if we're talking about the right pair, they won't make your feet light up with pain every time you take a step. 

These types of flats aren't easy to find, but we've been lucky enough to have collected some true gems and favorites. Quite a few are made by newer brands, like Everlane and Rothy's. 

Rothy's has been making women's flats for four years now, and up until recently, was arguably the startup to find stylish and comfortable knit flats.

However, in May 2019, a strong challenger by the name of Allbirds entered the ring. Hearing that it was coming out with knit flats of its own, we knew we had to try them out and immediately began drawing comparisons with Rothy's flats. 

If you're stuck between Rothy's and Allbirds, we've broken them down by a few factors (color and style options, fabric construction, feel, and price) so you can determine which one is best for your use and budget.

Our team really likes both so we can't give a conclusive answer on which is better — it all depends on your specific preferences. For a few more women's flats options to consider, check out our guide to the best flats you can buy

Read our full review of Rothy's flats here.

Read our full review of Allbirds flats here.

Read on for a direct comparison between Rothy's and Allbirds flats below. 

SEE ALSO: Allbirds now makes $95 women's flats — here's your first look, plus our verdict

DON'T MISS: 16 pairs of workout leggings we swear by for everything from yoga to distance running

Meet the companies, Rothy's and Allbirds.

Rothy's and Allbirds have a lot in common. Both founded in 2015 in the San Francisco Bay Area, the startups quickly became popular in the area for their practical and sustainable approach to footwear and gained the funding to prove their future potential. They've also found an audience in East Coast cities like New York, where the culture of walking makes the search for cute and comfortable flats even more dire. 

In addition to women's flats, Rothy's sells loafers, sneakers, and kids' shoes. While Rothy's is best known for its flats, Allbirds is best known for its sneakers, and flats are a brand-new foray into non-sneaker styles. It makes men's and women's wool and eucalyptus sneakers, as well as children's wool sneakers. 

Read more: 11 San Francisco-based clothing startups that prove New York City isn't the only capital of fashion

 



The flats look pretty similar, but if you take a closer look, the silhouettes have subtle differences, and you also have different color options to consider.

Rothy's makes two different flat styles: rounded toe flats ($125) and pointed toe flats ($145), letting you decide between a versatile, everyday flat or something better suited to polished occasions. They come in a variety of neutral and bright colors, as well as flashy prints such as a spotted leopard print. These colors and prints rotate out from time to time, so there are always new ones to choose from. The colors of the insoles depend on the style — sometimes they match the uppers and other times they don't. You can also buy extra insoles in different colors here.

An easy way to identify Rothy's flats are the blue stripe at the heel of the shoe and the knit fabric. Both flats have an angular, V-style opening, which can help your feet look longer or more slender.  

Allbirdsmakes one flat style, the Tree Breezer ($95), currently available in four colors. Allbirds has a history of releasing limited-edition colors quite often, so check its site, social media, or the Insider Picks page to find the latest options. 

Its flat has a rounded toe and rounded opening, with a mesh knit fabric that's more noticeable than Rothy's. The "collar" of the opening is also more obvious and is made from a ribbed knit, so it hugs your foot more closely. The insole is Allbirds' standard gray insole. 



Plastic water bottles and eucalyptus: how Rothy's and Allbirds make innovative use of these two materials.

Both companies pride themselves on using sustainable materials to make comfortable shoes. Conveniently, both their shoes are machine-washable (but take the insoles out first), making it easy to keep them in top shape. 

Rothy's construction:

  • Uppers: 3D-knitted fabric made from recycled plastic water bottles. As of this writing, Rothy's has repurposed more than 30 million water bottles.
  • Insoles: Recycled plastic water bottles and recyclable foam 
  • Outsoles: Recycled, carbon-free rubber 

Allbirdsconstruction:

  • Uppers: Knit fabric made from sustainably harvested eucalyptus pulp 
  • Insoles: Merino wool and castor bean oil 
  • Outsoles: "SweetFoam" made from Brazilian sugarcane 


Their sustainable construction doesn't detract from their comfort.

Both companies' flats are light, really comfortable, and made for all-day wear — we wouldn't be writing about them if they weren't. Thanks to their unique designs, however, they do feel comfortable in different ways. You can get both Rothy's and Allbirds in half sizes (a first for Allbirds). 

Rothy's fit true to size, but if you have wide feet or fear toe crowding in the pointed flat style, you should go up half a size. They mold to your foot and are breathable, with slight give so you can still wiggle your toes around in them. They're great for summertime wear since they stay slick and dry. I've been wearing and washing mine for nearly a year and they don't stretch out. 

Allbirds recommends going up half a size for its flats, which tend toward a more snug feel. The cushioned insoles are supportive, and the overall feel of the flat is softer and thicker than Rothy's. If you plan on being very active, you might like Allbirds' flats more because of the aforementioned collar that grasps onto your foot. 

 

 



You'll pay around $100 for Rothy's and Allbirds flats.

Rothy'srounded toe flats retail for $125 and the pointed toe flats retail for $145. 

Allbirds flats, like all Allbirds shoes, cost $95. 

If you don't want to spend more than $100, Allbirds are the obvious choice, but there's the trade-off of fewer color and print options, not to mention the fact that they tend to sell out more quickly. If you're willing to spend $30 to $50 more for Rothy's, you've widened your options and are likely to receive your shoes more quickly. 

$100 is probably more than you're used to paying for a pair of flats, but sustainable clothing does tend to be more expensive, and both brands' shoes are durable and well made. 

 

 



The bottom line

We love both Rothy's and Allbirds flats and wear them often. If you're already familiar with the feel of Allbirds sneakers and like that, you should go with the Allbirds Tree Breezers. They're soft and cushion-y, with an almost sock-like feel and the added plus of an under-$100 price point. However, if you want more color and print options and a less cushioned (but still comfortable) feel, try one of Rothy's flats. 

Shop Rothy's Flats here and Pointed Flats here.

Shop the Allbirds Tree Breezer here.




You can play PS3 games on your PS4 with Sony's PlayStation Now streaming service — here's how

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PlayStation Now

You can play most original Xbox games on an Xbox 360. You can play Nintendo Wii games on a Wii U console. But you can't play PS3 games on a PS4. Not directly, anyway. 

Putting a PS3 game disc into a PS4 will get you nowhere, but a subscription to PlayStation Now, on the other hand, can get you hundreds of PlayStation games, going back three generations. 

Currently, a PlayStation Now subscription offers immediate access to more than 800 games, with more titles added monthly. 

You can stream new games right to your PS4 or your PC, or you can delve back into the archives and play some of the best PS3 games, like "Assassin's Creed IV: Black Flag"or "Grand Theft Auto V." And that's not to mention all the classic PS2 games. 

Check out the products mentioned in this article:

PlayStation 4 (From $249.99 at Best Buy)

How much PlayStation Now costs

An annual PlayStation Now subscription costs $99.99, but you can try it free for seven days to make sure you're a fan. 

If you just want to game over the summer or during a certain semester, go for the $44.99 three-month plan. Or binge games for one month for $19.99.

Screen Shot 2019 08 06 at 11.41.13 AM

How to sign up for PlayStation Now

It makes the most sense to start with a free seven-day PlayStation Now trial, which will then segue into a monthly plan — if you don't cancel first. So be sure to cancel if you don't like the experience, or go for the savings of the annual plan if you love it.

Go to the PlayStation Store to start the trial, but just be sure you have the right hardware before purchasing. This means either a PS4 console itself, or a PC that meets these minimum requirements:

  • Windows 7 (SP 1), 8.1 or 10 
  • Core i3 2.0 GHz
  • 300 MB memory
  • 2 GB RAM
  • Sound card
  • USB port

Screen Shot 2019 08 06 at 11.41.04 AM

Also note that you'll need a Sony account to sign up for PlayStation Now.

Related coverage from How To Do Everything: Tech:

SEE ALSO: The best gaming PCs you can buy

Join the conversation about this story »

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I talked to 6 elite matchmakers, and they all said there are 3 red flags they watch for when vetting millionaire clients

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couple mad

  • I spoke with six elite matchmakers for Business Insider's monthlong series, "Dating Like a Millionaire," about what it's like to date when you're in the 1%. 
  • All of the matchmakers have vigorous vetting processes to determine whether they should take on a client, from house calls and simulated dates to interviews and investigations.
  • There are also three red flags they watch out for: a negative dating history, a bad attitude, and a resistance to the vetting process.
  • Visit Business Insider's homepage for more stories.

Money can buy a lot of things, but it can't always hire a matchmaker for a millionaire seeking love.

A millionaire must first meet a matchmaker's standards.

I talked to six elite matchmakers for Business Insider's monthlong series, "Dating Like a Millionaire," and they all said they have a vigorous vetting process before deciding whether they should play cupid for a potential client. The matchmakers work with clients locally and globally, from royals and celebrities to entrepreneurs and CEOs, who have net worths ranging from the low millions into the billions. 

The vetting process involves everything from conducting in-person screenings and interviews to background and social media checks. Some matchmakers even pay a visit to the millionaire's house

They've heard and seen it all — and they can spot a red flag a mile away. Here's a breakdown of what can make or break their decision to take on a millionaire as a client.

A negative history and dishonesty

Patti Stanger of Los Angeles-based Millionaire's Club told Business Insider her company has an intense screening process that looks through each potential client's history. If any data indicates the person might put someone in harm's way, they won't approve them, she said.

Stanger keeps an eye out for restraining orders, lawsuits, institutionalization, and separations. "We don't take anyone who's not legally separated," she said. "They can't be living in the same house."

She added: "If they lie, we revoke the membership."

Read more: The 3 biggest mistakes millionaires make when dating, according to 6 elite matchmakers who help the ultra-wealthy find love

Likewise, Mairead Molloy of Berkeley International in London told Business Insider that when she vets potential clients, she interviews them; asks for a passport, two household bills, and separation or divorce papers; pays a visit to their home; and runs a social media check. If she doubts any of the findings, she hires a private investigator — but gives the potential client advance warning. Mairead

Unlikeability and a bad attitude

Stanger, who turns down 80% of aspiring clients, said anger or bitterness is another red flag — as are unrealistic expectations. She sees many people come in requesting dates with certain celebrities, expressing ageism, or acting shallow.

"They treat people like objects," she said. "Being a matchmaker is probably worse than being a human resource director. We have to take the whole enchilada in."

Narcissism is also a turn-off, April Davis of New York City-based Luma Search told Business Insider. "When someone says there's something wrong with everyone they've dated and everyone they're meeting — they find ways to 'disqualify' people and say they are all the ones with the problem(s)," she said. "These clients think they can hire us and that we'll be able to produce the perfect person for them."

Janis and Carly Spindel MAtchmaking

Ultimately, clients need to be likable. Janis and Carly Spindel of Janis Spindel Serious Matchmaking Inc. in New York City take potential clients, who are men only, on simulated dates to determine just that. That helps the mother-daughter duo get an idea of how much effort the clients put into it, how they treat dates, what their manners are like, and how they behave.

Read more: I talked to 6 elite matchmakers, and they said the biggest difference between dating as a millionaire and an average Joe is also the most obvious one

"We have to like them," Janis said. "If we're going to match someone, they have to be a good guy."

"Life is short," Carly added. "It's important to have clients you like and want to work with. We look for really nice men who would make a great husband and father and are emotionally available. They don't work too much and have time for a relationship; they are a gentleman and would treat a [partner] wonderfully."

Resistance to the vetting process

Amy Andersen of San Francisco-based Linx Dating told Business Insider she has a multi-step method that involves specific questions and in-person screenings. But resistance to the vetting process can be a huge red flag.

Potential clients must complete a form detailing their ideal match. "Someone who cannot complete that in the preliminary stage certainly doesn't have time to be a client or is not making it a priority, which it needs to be," Andersen said.

amy andersen

It's also a red flag when someone balks at the idea of coming in for a meet-and-greet, she said: "Either they don't feel it's necessary or they don't want to pay for my professional time." She added that they need to see the value in the opportunity and that it has to be a "mutually synergistic agreement" to work together.

It makes sense — those seeking matchmaking services want a serious partner who is ready for commitment. If someone can't even commit to the vetting process, how can they commit to a person?

SEE ALSO: 2 elite matchmakers say they always make house calls before helping a millionaire find love — and they can tell a lot by what's in their fridge and closet

DON'T MISS: Newly minted Silicon Valley millionaires don't know how to handle their money and it's ruining their love lives, says an elite matchmaker known as the 'Cupid of Silicon Valley'

Join the conversation about this story »

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How to download files onto your iPhone, and where to find and open those files later

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iPhone X 13

  • You rarely need to worry about where downloads go on your iPhone, since most files are stored with and opened by the specific app that can open them.
  • When you download files directly from a web page in Safari, you can often choose which location on your iPhone to store them.
  • You can also use the Files app to find and open downloaded files.  
  • Visit Business Insider's homepage for more stories.

Your iPhone is a powerful computer, though most of the time, Apple tries to hide most of that complexity from you. But sometimes, you need your phone to behave more like an ordinary computer, and show you where all its files are located. 

If you download a file from the internet, for example, you need to know where it is so you can find it again later. On a computer, you would use a file manager like Windows Explorer. On an iPhone, things work slightly differently. 

Here's how to download and find files on your iPhone

Check out the products mentioned in this article:

iPhone Xs (From $999.99 at Best Buy)

How to open files on an iPhone

In general, when you download a file from an app on the iPhone, it's automatically stored with the app that can handle that file, based on the file type. 

For example, if you download a movie in the Netflix app, that movie can only be viewed in the Netflix app, because that's the only app that can open Netflix files. If you download a WebM file from Safari, you'll need an app like VLC Player.

Other files require different apps to open. If you download a file to your iPhone that you can't open, you should Google it to see which app you need.

How to download photos and videos on the iPhone

If you receive a photo or video in the Mail or Messages app, there are two ways to save it. Your choice determines where and how it's stored on your iPhone

1. Open a photo in Messages or the app you're viewing it in by tapping it.

2. Tap the Share button (which looks like an arrow pointing up out of a cup). 

3. You should see two save options in the bottom row of the pop-up window: Save Image and Save to File. 

downloads 1

  • If you tap "Save Image," the photo will be stored in your Photos app, and you can find it in your Photo library. 
  • If you tap "Save to Files," you'll be asked to choose a destination. You can pick a folder to store it in on iCloud, in your iPhone's set of folders, or in a folder like Dropbox, if you use that app.

How to download files from web pages in Safari

You probably don't need to do this often, but it is possible to download files from a web page in Safari. 

1. Start the Safari app and go to a web page that has the file you want to download. 

2. Tap the file to download it, whether through a link or download button.

3. Depending on the type of file, it might open on the iPhone screen, a new tab in Safari, or display a prompt for you to choose a location to download it. If so, you can pick a folder to store it in on iCloud, in your iPhone's set of folders, or in a folder like Dropbox, if you use that app

downloads 2

How to find a file you've downloaded to your iPhone

Your iPhone includes Files, an app that can locate and open files stored on your phone, sort of like a desktop computer's file manager. Here's how to use it.

1. Start the Files app, which looks like a blue folder on a white background.

2. In the Browse section, tap a location where you want to browse. 

downloads 3

3. Tap to open subfolders as needed to find the file you want.

4. Tap the file you want to open. Your iPhone will open the file using the appropriate app. 

downloads 4

Read more coverage from How To Do Everything: Tech:

SEE ALSO: The best iPhone for every type of person and budget

Join the conversation about this story »

NOW WATCH: I cleaned my entire apartment with 4 of Amazon's highest-rated cleaning robots, but I could've done a much better job myself

Amazon sells a slew of live animals on its site— here are some of the curious creatures you can buy (AMZN)

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fish

  • Amazon has become a one-step ecommerce store that sells anything from books to clothes to groceries, along with more out-there items like tiny homes.
  • Under the "live animals" category, merchants sell packs of colorful fish, tank-cleaning snails, and freshwater shrimp.
  • Many of these Amazon listings come with strict shipping and ordering guidelines to guarantee that the animals arrive at your house alive.
  • Visit Business Insider's homepage for more stories.

In the deepest corners of Amazon, you'll find that the ecommerce website can be a place for buying not only run-of-the-mill products like gadgets and clothing, but also more niche items like built-it-yourself tiny homes.

One of the more out-there areas of Amazon includes an entire section for purchasing live animals. Although Amazon's offerings don't extend to any animal bigger than your palm, the e-commerce site has listings for any living creature you'd want in your home's aquarium or pond. 

There are packs of goldfish and koi fish, dozens of species of algae-cleaning snails, and colorful freshwater shrimp. Many of the listings for these live animals come with specific directions about their shipping and handling, to ensure that your mail-order animals are actually alive when they arrive at your door.

Here are some of the live animals that you can buy on Amazon:

SEE ALSO: Amazon sells a $19,000 do-it-yourself tiny-home kit that takes only 2 days to build — here's what it looks like inside

When I first found out that Amazon sold live animals, I was expecting — and hoping — that its offerings would include livestock and farm animals you could have shipped to your home.



However, Amazon's listings for live animals is made up of a smattering of animals that are smaller and better-suited for a household tank or aquarium.

Source: Amazon



Amazon offers various species of fish you can buy in packs of five or six. Depending on what you want, you can get mixed bags of smaller guppies and goldfish, or bigger exotic Butterfly Koi and Sarasa Comet fish.



You can also buy a fish on its own, like a Betta fish, a particularly territorial species that can get aggressive with other fish.

Source: PetMD



There are plenty of listings on Amazon for snails. It seems that many of the snails species sold are meant for tasks like keeping your tank or pond clean, and eating the algae that builds up in it.



Interested in various species of shrimp? Amazon has those, too. Different kinds can serve different purposes: an addition to your aquarium, or food for your other fish already living there.

Source: Amazon



Many of the Amazon listings — but not all — have very particular directions about shipping and handling of live animal packages. Many of the live animals have required overnight shipping and will only go out on certain days, with instructions to be home when your package arrives.

Source: Amazon



Additionally, some of the listings by sellers guarantee your animals arrive at your home alive, and a few promise a refund if that's not the case.

Source: Amazon



As for cost, these animals can be pretty inexpensive — you can purchase snails in bulk on Amazon for less than a dollar each. However, some of the bigger designer fish cost a bit more — one six-pack of koi fish costs $70.

Source: Amazon, Amazon



'Why am I not receiving text messages on my iPhone?': How to fix common iPhone messaging problems

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Woman surprised using iPhone

  • If you're not receiving text messages on your iPhone, there are several common problems you can easily fix.  
  • Your first steps should be to restart your iPhone and make sure you have wireless service. 
  • If those simple fixes don't get you up and running, you can also check to ensure your Messages app is properly configured in Settings. 
  • Visit Business Insider's homepage for more stories.

Your iPhone is probably a phone in name only – odds are good that you spend a lot more time texting than talking.

But if your Messages app is not working or you are having trouble getting text messages, don't panic. 

There are several possible problems, and you can troubleshoot your iPhone's messaging problem easily. 

Check out the products mentioned in this article:

iPhone Xs (From $999.99 at Best Buy)

What to do when your iPhone isn't receiving messages

  • Your first step should be to restart your iPhone. Often, just turning it off and back on again can solve myriad problems with apps, network connections, and other technical glitches.  
  • Check your network connection to make sure that you have connectivity. If you are trying to send a traditional SMS message, you need to have a cellular signal, so make sure you see several bars of strength in the status at the top of the screen. 
  • If you want to send an iMessage to another iPhone, you need either a cellular signal or Wi-Fi, so again, make sure you have a solid connection with one of those. 

texts 1

  • If you want to send an MMS message (a text message that contains photos, video, or audio), make sure MMS messaging is turned on. Start Settings and tap "Messages," then make sure "MMS Messaging" is turned on by swiping the button to the right. You might also want to ensure your cellular plan includes MMS, though virtually all do.

texts 2

Check to see if you can receive messages after each of these steps. If not, move on to the next section. 

Make sure that your iPhone is configured to receive text messages

1. Start the Settings app.

2. Tap "Messages," then tap "Send & Receive." 

3. In the "You can receive iMessages" section, your phone number should have a check mark beside it. If it's not checked, do that now and check to see if you can receive messages. 

texts 3

If your phone number isn't displayed there at all, you need to link your phone number to your Apple ID.

1. At the top of the screen, tap "Use your Apple ID for iMessage."

2. Sign into your Apple ID account using your email and password.

3. Your phone number should now be listed in the "You can receive iMessages to and reply from" section. Make sure it's checked and test again to make sure you can receive messages.  

If this doesn't resolve the problem, it's probably a more complicated issue, and likely related to your cellular service.  You should contact customer support at your cellular service provider to get additional assistance troubleshooting your issue.

Related coverage from How To Do Everything: Tech:

SEE ALSO: The best iPhone for every type of person and budget

Join the conversation about this story »

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How to force quit frozen or unresponsive programs on your Windows-based PC

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frustrated man computer not working

  • You may need to use the "force quit" option on your PC if your system becomes unresponsive.
  • Force quit allows you to exit a frozen or unresponsive program when you can't manually quit the program. 
  • Force quitting a frozen program will likely free up valuable memory on your PC, allowing it to function better. 
  • Visit Business Insider's homepage for more stories.

While computers are generally quick and efficient when it comes to performing the varied tasks we give them on a daily basis, sometimes things can get a bit sluggish and you may even find that your PC stalls or freezes altogether. 

Sometimes exiting your windows can help, but that isn't always an option when your operating system comes to a complete standstill. 

When all else fails, you may need to utilize the force quit option. 

While technically speaking, "force quit" is a term applied to Apple's Mac computers, the same premise applies to Windows-based PCs.

Utilizing the Windows Task Manager, you can force your computer to shut down unresponsive programs so you can get back to work as soon as possible. Here's how to do it. 

Check out the products mentioned in this article:

Windows 10 Home (From $139.99 at Best Buy)

How to force quit on a PC

1. When your computer isn't responding to conventional methods of exiting programs, locate and simultaneously press the control + alt + delete buttons on your keyboard to launch a blue screen of user options. Note that if your system is completely frozen, it may take a few moments for this screen to launch.

2. From the list of menu options, look for Task Manager and click to open it.

3. In the Processes tab, look under the Apps heading for the program which is unresponsive. If you don't already know which app is causing the problem, you will see it listed as "Not responding" under the Status column. 

4. Click on the program you wish to quit and click End Task at the bottom right-hand corner of the Task Manager. The program will then quit. 

task

Note that force quitting a program will cause you to lose any unsaved changes.

Related coverage from How To Do Everything: Tech:

SEE ALSO: The best all-in-one PCs you can buy

Join the conversation about this story »

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13 products we swear by for getting us through our commutes every day

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Commute products 4_3

  • As product reviewers who often carry a lot of stuff to and from work every day, the members of the Insider Picks team have become experts at commuting. 
  • Most of us can agree that our commute is one of the less enjoyable parts of our day, but we've gotten pretty good at making it less miserable. 
  • Here are the 13 products we rely on every day to make our commutes a little more bearable. 
  • Read more: 21 products we were hesitant about at first but ended up really liking

Here on the Insider Picks team, we're no amateurs when it comes to commuting. We've spent mornings pushing through crowds on the subway platform, sweating through long rides without any air conditioning in the summer, and have dealt with more delays, service changes, and unexpected stops than we can count. Most of these days, we have heavy bags full of products we're testing for articles.  

No matter where you live, how you get to work, or how long it takes you, most of us can agree that commuting can be a pretty dismal experience. 

Unfortunately, we're not the MTA or magicians, so we can't just make your commute disappear. But what we can do is help you out with some product recommendations we swear by that have the power to make your commute a little less miserable, and maybe even a little more enjoyable. 

Here are 13 products we rely on to make our commutes better: 

Kindle Paperwhite

Connie Chen, reporter: "I could probably sit (and yes, even stand) on the train all day as long as I have my Kindle and a few books loaded up. I used to carry physical books on my commute, but they just got too heavy and cumbersome to hold. I have the older Paperwhite version, but many of these statements still stand: it’s light and comfortable to hold, glare-free, and has a good battery life. What’s great about the newest one is that it’s now waterproof and has double the storage."

Sally Kaplan, Insider Picks Editor: "I absolutely hate commuting, but a Kindle makes it about 50% better. It's easy to read from while sitting or standing on the subway, particularly because it doesn't require two hands to turn pages. Even if I'm squished between 100 people and grasping for balance from a nearby pole, I can keep my place in the book and not worry about accidentally closing it without a bookmark."

Get the Kindle Paperwhite for $129.99 at Amazon



RHA Wireless Earbuds

Sally Kaplan, editor: "I truly love these headphones. They sound amazing, and they create a seal that blocks out the noise of my commute, which includes dreadfully loud screeching trains and honking trucks. The back of each earbud is magnetic, so when I'm done listening, I just pop them out of my ears and the magnets meet to create a necklace of sorts so they never fall off. Plus, they pair easily and seamlessly. You can read my full review of them here, but suffice it to say, I'd rather be hit by a train than commute without them."

Get the RHA Wireless Earbuds for $89.99 at Amazon



Jaybird Tarah Pro Earbuds

Connie Chen, reporter: "No matter how much you're jamming out, no one likes to hear what you're listening to on your commute. These wireless sports earbuds have great sound quality and immerse you fully in your music, without subjecting your fellow passengers to it. What's cool about these earphones is that you can customize the bass and treble through the Jaybird app, and they have a really impressive 14-hour battery life."

Get the Jaybird Tarah Pro Earbuds for $159.99 at Best Buy



Patagonia Micro Puff Hoody

Amir Ismael, reporter: "Staying at a comfortable body temperature is usually my biggest concern while commuting, and the Patagonia Micro Puff has been my savior for staying warm. As Patagonia's best warmth-for-weight jacket, it's a lot warmer than it actually looks. Although it can't compete with a real deal winter parka, it's a great bottom layer for days when it's below freezing. It's even saved me from super cold air conditioning on long bus rides or in the office during the summer when the air conditioning makes it feel like winter. When stowed into its own pocket, the Patagonia Micro Puff is so compact and light that it's almost never worth leaving behind — regardless of the season."

Get the Men's Micro Puff Hoody for $299 at Patagonia



Everlane Form Bag

Ellen Hoffman, director of editorial strategy for Insider Picks: "In an effort to reduce back strain while riding the ever-more-crowded New York City subways, I've stopped hauling big purses to work that are packed with a lot of extra junk I don't need. (I mean, really, how often do I need access to five slightly differently colored lipsticks?). Helping me in this effort the last few months has been Everlane's Form Bag, which is the perfect medium size for all the essentials, including my 13-inch MacBook Pro that fits best when stored horizontally.

I like that I can wear the Form Bag across my body for better weight distribution. It houses only one small interior pocket, though; so if you're looking for a great work bag with pockets for everything, including one for your coffee thermos, I highly recommend Dagne Dover tote bags that comes in tons of colors and different sizes for every need."

Get The Form Bag for $235 at Everlane

Check out more tote bags at Dagne Dover



Cotopaxi Kusa Jacket

Mara Leighton, reporter: "This is one of the best examples of incredibly thin jackets that pack a ton of warmth. It's insulation is a blend of polyester and llama fiber, which is super lightweight but naturally insulating thanks to its hollow makeup. Before temperatures plummet to single digits, this is my cheat code to staying warm without taking up the space of four people in a marshmallow puffer coat. It folds down to the space of a T-shirt in my bag, but keeps me toasty even when I can see my breath. This also means I can take it off and put it away while on swamped trains to avoid overheating. It also has water-resistant finish, so I don't worry about a drizzle."

Get the Women's Kusa Jacket from $100 at Cotopaxi



A Scribd Membership

Mara Leighton, reporter: "For $8.99 per month, I get unlimited access to hundreds of thousands of ebooks, audiobooks, magazines, sheet music, and more. I've been an avid subscriber for years to make learning/reading more affordable. There's an offline download option for the subways or plane rides, and it's a relief not having to wiggle a book out of my bag or keep it open at the expense of everyone else's free space."

Get a ScribdMembership for $8.99 per month at Scribd



CleanWell Hand Sanitizer Spray

Grace High, analyst: "I try not to touch anything or sit on the subway, but sometimes I forget and touch something in a moment of carelessness. Knowing my hands are clean and the calming smell of this sanitizer instantly puts my anxiety to rest."

Get the CleanWell Botanical Hand Sanitizer Spray for $3.58 at Amazon



Dagne Dover Weston Laptop Bag

Mara Leighton, reporter: "This bag somehow always fits what I need it to without taking on bulk. It holds my laptop, planner, and miscellaneous essentials like gloves — but it’s sleek enough to go unnoticed in a packed train. The outer pocket is flush with the bag but perfectly deep for house keys, lip balms, and headphones at easy access. It can be worn on your arm, shoulder, or as a crossbody."

Remi Rosmarin, Insider Picks Reporter: "I've already written about the merits of this commuter-friendly bag, but I'm going to sing its praises again. When you're shoved into a crowded subway car, it can be hard to know what to do with a bulky bag. That's why I love this one — it has a sleek and slim look, plus you can hold it in your hands or wear it as a crossbody bag, which is a nice break for your back if you spend most of your commute standing up."

Get the Weston Laptop Bag for $135 at Dagne Dover



Herschel Backpack

Grace High, analyst: "This bag is lightweight and cute, and definitely better for my back than lugging my life around in a large tote. Plus the inside of the bag is colorful and fun!"

Get the Herschel Supply Co. Backpack for $44.50 at Amazon (price varies depending on color)



PopSockets Grips

Sally Kaplan, editor: "I have one of these grips on my phone and another one on my Kindle. They make it a lot easier to hold my devices on crowded trains, so I never feel like I'm at risk of dropping something and ending up with a cracked screen."

Get a PopSockets Grip from $9.97 at Amazon



Silk Wallet Phone Case

Sally Kaplan, editor: "I swear by these wallet cases for making my commute more seamless. Instead of digging around for my MetroCard every time I need to swipe quickly to catch a train, I just pull my card out from the back of my phone, which is pretty much always in my hand."

Get the Silk iPhone XR Wallet Case for $23.99 at Amazon



Apple Airpods

Remi Rosmarin, reporter: "I don't care if these look funny, I love them. These aren't technically noise-cancelling headphones, but they're loud enough to drown out the many loud and unusual noises you may encounter on a subway ride. Plus, the fact that they're wireless is so convenient — I can keep my phone tucked away in my bag or pocket without accidentally pulling out my headphone wires."

Get the Apple Airpods for $144.99 at Amazon




How to connect AirPods to your Windows PC in a few quick steps

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Apple's AirPods are completely wireless Bluetooth earbuds, designed primarily for iOS devices like the iPhone and iPad. But AirPods work with all sorts of other devices as well, including Android phones and PCs

Of course, if you use AirPods with a PC, you won't get their connectivity to Siri — that only works when the buds are connected to an iPhone or iPad. 

But if you want to use your AirPods with your PC computer when they're not paired with your iPhone, here is how to get them up and running. 

Check out the products mentioned in this article:

AirPods with Charging Case (From $159.99 at Best Buy)

HP 14-inch Laptop (For $399.99 at Best Buy)

iPhone Xs (From $999.99 at Best Buy)

12.9-inch iPad Pro (From $999.99 at Best Buy)

How to connect AirPods to a PC

1. Make sure your AirPods are in the case and are charged.

2. Start Settings from the Start menu. It's the gear-shaped icon above the power button. You can also type "Settings" in the Start menu search box.

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3. Click "Devices."

4. At the top of the "Bluetooth & other devices" section, make sure Bluetooth is turned on (the switch should be slid to the right and colored blue). 

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5. Click "Add Bluetooth or other device"

6. In the Add a device window, click "Bluetooth."

7. Open the lid of your AirPods case.

8. Press and hold the small button on the back of the case for several seconds, until the status light on the front of the case starts blinking white. 

airpods case button

9. The AirPods should appear in the list of devices available for pairing (they might first appear as "Headphones," and then change to "AirPods" after a few moments). Click "AirPods."

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Windows will connect to the AirPods and display a success message. You can now listen to your PC audio through the AirPods. 

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SEE ALSO: The best earbuds you can buy

Join the conversation about this story »

NOW WATCH: I cleaned my entire apartment with 4 of Amazon's highest-rated cleaning robots, but I could've done a much better job myself

The 8 best no-annual-fee credit cards to open in 2019

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  • Depending on the rewards, perks, and benefits you'll get, it can be worth paying an annual fee for a credit card.
  • However, there are still great and rewarding no-annual-fee credit cards worth considering.
  • There are co-branded airline cards, cash-back options, and flexible rewards points-earning cards.
  • Here are a few of the best no-annual-fee credit cards of 2019, including our top choice: the Wells Fargo Propel American Express® Card.

Many people feel that paying an annual fee for a credit card is insane. Why should you pay to spend money?

I'll confess that I used to be in this camp. However, I've learned that, when a credit card offers the right mix of benefits, rewards, and perks, it can absolutely be worth paying a fee — that's because you'll get way more value from the card than you'll spend toward the fee. For example, I pay a total of $1,000 each year for two premium credit cards, but I get way more than that back

However, there are still good reasons to go for a no-annual-fee card, including cash-flow concerns, and to accompany a card that does have an annual fee. 

Here are the best no-annual-fee credit cards of 2019:

  • Wells Fargo Propel American Express Card: Best for cash-back bonus categories
  • Chase Freedom Unlimited: Best for pairing with the Chase Sapphire Preferred Card or Chase Sapphire Reserve
  • Blue Cash Everyday® Card from American Express: Best for cash back at US supermarkets
  • Chase Freedom: Best for 5% rotating quarterly bonus categories
  • Ink Business Cash Credit Card: Best for business spending categories
  • Citi Double Cash Card: Best for simplicity
  • Amex EveryDay® Credit Card from American Express: Best for earning Amex points
  • Airline cobranded cards: Best for American, Delta, or United loyalists

Keep in mind that we're focusing on the rewards and perks that make these cards great options, not things like interest rates and late fees, which can far outweigh the value of any rewards.

When you're working to earn credit card rewards, it's important to practice financial discipline, like paying your balances off in full each month, making payments on time, and not spending more than you can afford to pay back. Basically, treat your credit card like a debit card.

1. Wells Fargo Propel American Express Card

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Welcome offer: 30,000 points, worth $300 (after spending $3,000 in the first three months)

Thiscard from Wells Fargo has one of the more attractive rewards programs you'll find from a no-annual-fee card — at least, if you don't want to dive into the complicated world of multiple rewards programs and complex redemptions.

The card earns 3x points on all travel, dining, and streaming services (and 1x point on everything else). If that sounds familiar, it's because it's almost the same as the popularChase Sapphire Reserve.

There are some key differences between the cards. The Propel lets you redeem points for 1¢ each toward cash back, merchandise, travel, and more, while the Sapphire Reserve offers a range of more valuable redemption options — it's easy to get at least 50% more value for Chase points. Plus, the Sapphire Reserve offers a number of premium perks that the Propel doesn't, like airport lounge access and a $300 annual travel credit travel delay insurance.

Of course, the Sapphire Reserve also comes with a $450 annual fee, while the Wells Fargo Propel doesn't have a fee. Between the new member offer, and the solid earning rate on popular spend categories, the Propel makes a decent option for those who don't travel often, or who aren't comfortable floating a large annual fee.

Click here to learn more about the Wells Fargo Propel card from our partner The Points Guy.

2. Chase Freedom Unlimited

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Welcome offer: 3% cash back on all purchases in your first year up to $20,000 spent, then an unlimited 1.5% back on all purchases

The Chase Freedom Unlimited is one of the best available options for a no-annual-fee card — especially if there's a chance that you'll want to earn more valuable credit card rewards with a premium card later on.

That's because while Chase markets the card as "cash back," it actually earns Ultimate Rewards points that you can redeem for cash (1 point = 1¢). 

If you decide that you want maximize the value of those points by purchasing travel with a bonus through Chase, or transfer them to frequent flyer partners, you can open a card like the Chase Sapphire Preferred Card or the Sapphire Reserve, and pool your points from the two cards. The Freedom Unlimited earns 1.5% cash back (or 1.5 points per dollar spent) with an introductory offer of 3% (or 3 points per dollar) for the first $20,000 spent in your first year, so paired with a Sapphire Reserve, it's a great card to use for purchases that aren't made on travel expenses or dining.

Best of all, the card has no annual fee and often has 0% APR for the first 15 months on purchases and balance transfers. After that, there's a 17.24%-25.99% variable APR. If you have a major purchase ahead of you, that introductory offer can be useful.

The Chase Freedom Unlimited is a fantastic all-around card. However, to get the most value when it's time to spend your points, you need the Sapphire Reserve or Preferred card, too, so you can pool your points. Otherwise, points are only worth 1¢ each no matter how you use them, and they can't be transferred to airline or hotel partners.

Click here to learn more about the Chase Freedom Unlimited from our partner The Points Guy.

3. Blue Cash Everyday Card from American Express

 

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Welcome offer$150 statement credit (after spending $1,000 in the first three months)

The Blue Cash Everyday is a cash-back card, earning 3% cash back at US supermarkets on up to $6,000 each year — and 1% after that — 2% back at US gas stations and select department stores, and 1% cash back on everything else.

There's also a "Preferred" version of the Blue Cash Everyday — the Blue Cash Preferred® Card from American Express earns a bigger 6% back on the first $6,000 spent at US supermarkets (and 1% after), 6% back on select US streaming services, 3% back at US gas stations and on transit including taxis, rideshares, parking, and tolls, and 1% cash back on everything else. The higher earning rate on the Preferred makes it worth paying the annual fee — however, the Blue Cash Everyday is still a great option if you're opposed to that.

If you're looking to make a major purchase — like an appliance or an engagement ring — and pay it off over time, you can take advantage of the 0% intro APR on purchases and balance transfers for the first 15 months (after that, it reverts to a variable 15.24-26.24% APR). You'll earn cash back on the purchase, which you can put right toward paying it off.

4. Chase Freedom

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Welcome offer15,000 points or $150 cash back (after spending $500 in the first three months)

The Chase Freedom works virtually the same way as the Freedom Unlimited, earning cash back in the form of Chase Ultimate Rewards points that you can either combine with another card, or redeem for cash or merchandise. 

The key difference is how it earns those rewards. Unlike the Freedom Unlimited— which earns 1.5% cash back (or 1.5 points per dollar spent), the regular Freedom earns 5% (or 5x) in one rotating category each quarter on up to $1,500 spent in that category. For example, Q1 of this year was any payments made through a mobile wallet like Apple Pay, while the current quarter includes purchases from gas stations and select streaming services.

Which Freedom-branded card is more rewarding for you depends on how you spend your money. Personally, I use both, but if I had to choose one, I'd stick with the Freedom Unlimited— the consistent earning rate above 1% would make up for the lack of quarterly bonuses. To each his or her own, though!

Click here to learn more about the Chase Freedom from our partner The Points Guy.

5. Chase Ink Business Cash Credit Card

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Welcome offer: $500 (or 50,000 Ultimate Rewards points) after spending $3,000 in the first three months

The Ink Cash is another solid Chase entry, although this one is a business card — however, anyone with just about any kind of business can qualify, whether you have a brick-and-mortar space with employees, or you're a freelancer, or even someone with a small side gig.

Just like with the two Freedom cards, you can pool the "cash" you earn with points from a points-earning card, effectively converting your cash into (potentially) more valuable points. Alternatively, you can reap the rewards in the form of cash instead.

The Ink Cash earns 5% cash back (or 5x points) on the first $25,000 in combined purchases at office supply stores and on internet, cable, and phone services each card holder year. It earns 2% back (or 2x points) on the first $25,000 in purchases at gas stations and restaurants each year, and 1% (or 1x point) on everything else with no cap.

The cardoffers a 0% introductory APR on purchases for 12 months (with a variable 15.49-21.49% APR after), and has no annual fee.

Click here to learn more about the Chase Ink Business Cash from our partner The Points Guy.

6. Citi Double Cash Card

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Welcome offer: None.

All in all, the Citi Double Cash is the simplest card on this list. It earns 2% cash back — 1% when you make a charge, and 1% when you pay it. Since, if you're looking for credit card rewards, you should be paying your balance off in full each month, you can just look at the full 2%.

There's one downside, though: the card doesn't have a sign-up bonus. That's significant, because the money you earn from a sign-up bonus can equal an entire year's worth of regular spending. Just look at the Wells Fargo Propel, above, which offers $300 worth of points. To get that much, you'd have to spend $15,000 on the Citi Double Cash.

While I would personally stick with a card that offered a generous sign-up bonus, there's no questioning the appeal of the Double Cash. With no categories to worry about, you're guaranteed among the highest consistent return rates of any cash back card — 2% across the board is nothing to sneeze at.

7. Amex EveryDay Credit Card from American Express

amex everyday

Welcome offer10,000 points (after spending $1,000 in the first three months)

American Express Membership Rewards is Amex's in-house rewards program, and the Amex EveryDay is the best no-fee card that earns them. These points can be redeemed for travel, merchandise, or more. However, the best option is to transfer them to a frequent flyer partner.

The EveryDay earns 2x points at US supermarkets (on up to $6,000 of purchases per year, then 1x after that) and at AmexTravel.com, and 1x on everything else. It also offers a 20% bonus on points earned in a billing period when you make 20 or more purchases during that period.

The card also offers a 0% intro APR on purchases and balance transfers for the first 15 months, before switching to a variable 15.24-26.24% APR. If you have a big purchase coming up and want some time to pay it off, but don't want to pay interest fees, this is a great option.

Like most Amex cards, features a few travel and purchase protections, as well as access to the Amex Offers program.

While most people will be better off with a version of the card that has an annual fee, the EveryDay Preferred, the regular EveryDay is still a strong option — especially since there's no annual fee.

8. A no-annual-fee airline credit card

delta skymiles card

Welcome offer: Varies

You may be sensing a theme here, but most airline credit cards worth having have an annual fee — although many of them will waive it for the first year. Those cards tend to come with useful benefits for people who fly with the airline, like priority boarding or free checked bags. You can learn more about the best overall airline credit cards here.

However, if you're interested in earning frequent flyer miles with a particular airline through your spending, but don't care about those perks and want to avoid the fee, you have a couple of options. 

If you're a Delta flyer, you can go for the Blue SkyMiles card from Amex, which offers 2 Delta SkyMiles on every dollar spent with Delta and at US restaurants, and 1 mile per dollar on everything else. It also gets you a 20% discount — in the form of a statement credit — on Delta in-flight purchases like food or drinks. It offers 10,000 SkyMiles when you spend $500 on purchases in the first three months.

American loyalists have a new option, the recently-released AAdvantage MileUp card. This card offers 2x AAdvantage miles on every dollar spent at grocery stores and with American Airlines, and 1x mile on everything else. It also offers 10,000 AAdvantage miles and a $50 statement credit after spending $500 in the first three months.

United's no-annual-fee card doesn't earn miles, but instead offers cash back, called "TravelBank" cash, that can only be redeemed towards flights. You'll earn 2% TravelBank cash for every dollar spent with United, and 1.5% on other purchases. You'll also get 25% back on in-flight food and drink purchases. The card offers a sign-up bonus of $150 in TravelBank cash after you spend $1,000 in the first three months.

Click here to see the best current credit card sign-up offers.

SEE ALSO: I pay $1,000 in annual fees for the Chase Sapphire Reserve and the Amex Platinum — and as far as I’m concerned, the math checks out

Join the conversation about this story »

We asked an orthodontist if it's safe to whiten teeth with Crest Whitestrips — here's what she said

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  • I've used Crest Whitestrips a few times, and each time was impressed at just how well they whitened my teeth. But, after friends cautioned me not to use them, I got nervous that they may not be the safest whitening option out there.
  • I reached out to oral care expert Dr. Janet Stoess-Allen to better understand the claims around the popular at-home whitening tool, and she explained why they're actually one of the most effective, affordable whitening products.
  • For more at-home whitening options, check out the Insider Picks buying guide to the best teeth-whitening kits you can buy.

No matter how much we brush, floss, and rinse with mouthwash, sometimes our teeth just don't look as bright as we'd like. Everyday habits — whether it's your daily cup of coffee, glass of red wine, or even a helping of soy sauce on the side of your favorite sushi — gradually take their toll on our chompers.

You could quit eating or drinking those things, but for most of us, that's the most unrealistic option. You could also go to your dentist for a professional whitening treatment, but those are particularly costly, and can be very painful especially if you have sensitive teeth. 

Luckily, there are plenty of affordable options nowadays that give you professional whitening results from the comfort of your own home. Crest Whitestrips are some of the more prolific at-home whitening kits, lining drugstore shelves just about everywhere. 

I've used Crest Whitestrips on and off for a while now, doing a set of strips every once a year or so. I usually just pick whatever options are available at my local drugstore, as every different pack I've tried has worked very well. All of the strips are thin, almost invisible, and have a no-slip grip that actually stays put. I love the convenience of these — it's easy to use them while watching television or while sitting at your desk at work.

While I love them, though, some of my peers have cautioned against using them, calling them unsafe or unhealthy for my teeth. Even though they didn't back these claims with any significant evidence, it was enough to make me question if I should search for a new whitening solution. 

In an effort to make an informed decision about how I chose to white my teeth, I reached out to a renowned New York City Orthodontist, Dr. Janet Stoess-Allen, DMD. Stoess-Allen practices at Park Avenue Orthodontics and is a member of the American Dental Association, American Association of Orthodontics, and New York County Dental Society, among others. 

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How do Crest Whitestrips work?

While my own experiences have proved to me that these products do work well, I could not tell you the how or why. So, Dr. Stoess-Allen helped me better understand just that. After looking at the ingredients list for a few different Whitestrips products, it was clear the consistent ingredient in every product was hydrogen peroxide. Dr. Stoess-Allen says that hydrogen peroxide works to remove surface and deep stains on the teeth, as well as whiten them simultaneously. 

While you can also try bleach gels, pens, or whitening toothpastes (most of which also contain this ingredient), Whitestrips are particularly effective because they contact your teeth most directly. When comparing Crest White Luxe Glamorous Whitestrips to bleach gels and pens, Dr. Stoess-Allen found the strips to be the most effective bleaching agent. 

Are they safe?

Dr. Stoess-Allen confirmed that "None of the listed ingredients in Crest Whitestrips have [been] shown to be unhealthy or dangerous to the enamel of teeth" — she even recommends the products to her own patients. The concern may come from the use of hydrogen peroxide, which can be harsh when used in high percentages, or can make gums a little sore or teeth a little sensitive. But Dr. Stoess-Allen shared that "If the percentage of hydrogen peroxide is 10% or less, it is a very safe home-use product." Potential gum or tooth discomfort aside, the Crest White Luxe Glamorous Whitestrips' hydrogen peroxide concentration is 9.5%, which is, according to our expert, a perfectly safe level.

The bottom line

"From the data that I have collected from recent studies," Dr. Stoess-Allen shared with us, "it appears that the Crest Luxe White Glamorous Whitestrips is the most effective DIY tooth bleaching product." She personally recommends these strips to her patients who are being treated with Invisalign clear aligners, explaining that "They can simply remove the aligners and still bleach their teeth even while undergoing tooth movement." 

Ultimately, this is an affordable product that gives serious results and is approved by the experts. If you're looking to spruce up your smile and make it really shine, you know what to do.

Shop all Crest Whitestrips products at Amazon

Get the Crest White Luxe Glamorous Whitestrips for $29.65 at Amazon

Join the conversation about this story »

One in 10 ultra-wealthy Hong Kong residents lost their millionaire status in 2018, and an expert says the extreme wealth loss highlights the volatility of their net worths

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  • The net worths of Hong Kong's ultra-wealthy are more volatile than the net worths of their counterparts in any other region in the world, according to Capgemini's 2019 World Wealth Report.
  • One in 10 Hong Kong residents who began 2018 as high net worth individuals could no longer be considered as such by the year's end, according to Capgemini.
  • Hong Kong's wealthiest residents often enjoy the greatest profits when the markets are bullish, but experience the steepest losses during market routs, Capgemini's Deputy Head of the Global Financial Services Market Intelligence Strategic Analysis Group Chirag Thakral told Business Insider.
  • Visit Business Insider's homepage for more stories.

If you're a billionaire, Hong Kong is a risky place to call home.

At least, that is, for the stability of your net worth: In 2018, Hong Kong's high net worth population experienced the steepest drop in collective wealth of any region worldwide, according to French technology consulting firm Capgemini. The net worths of Hong Kong's wealthiest residents fell 13% in 2018, compared to the global average of 3%, according to Capgemini

In the twenty-third edition of its annual World Wealth Report, Capgemini examines how high net worth individuals manage their wealth. Defined as those with more than $1 million, Capgemini found that 2018 was the first time high net worth individuals (HNWIs) around the world experienced the first overall decline in their wealth in seven years.

In Hong Kong, one in 10 residents who began 2018 as HNWIs could no longer be considered as such by the year's end. Such losses are not atypical for Hong Kong's wealthy residents, who Capgemini describes as "consistently sensitive to equity market movements." Hong Kong's wealthiest often enjoy the greatest profits when the markets are bullish, but experience the steepest losses during market routs, Capgemini's Deputy Head of the Global Financial Services Market Intelligence Strategic Analysis Group Chirag Thakral told Business Insider.

Thakral chalks the decline in Hong Kong's wealth up to two main factors.

"The key reason for this time I would say obviously, the market capitalization was down around 12% and then the GDP growth was a decline rather than a growth, and then the real estate market is also cooling off in Hong Kong," Thakral said. "Those factors put together were the reasons which led to the overall Hong Kong equity market going down, which affected the Hong Kong billionaires — or the millionaires — this year."

Read more: There's only one part of the world where millionaires did not see their collective fortunes shrink in 2018: the Middle East

The losses weren't limited to Hong Kong, however. HNWIs across Asia at large performed worse than their counterparts in Europe, North America, and the Middle East in 2018, Capgemini reported. In 2018, the number of billionaires in each of what the research firm Wealth-X calls "the major Asia-Pacific billionaire countries" — China, India, Singapore, and Hong Kong — declined.

And last year was the worst year for Chinese stocks in a decade, ending the year 24% lower than it was at the close of 2017, according to CNBC. The budding trade war between the United States and China also decreased global demand for Asian goods, Wealth-X reported.

The only region in the world where the ultra-wealthy did not end 2018 worse off than they began it was the Middle East, Business Insider previously reported.

SEE ALSO: What the world's richest people look for when they choose their wealth managers

DON'T MISS: Wealth tax explainer: Why Elizabeth Warren and billionaires like George Soros alike are calling for a specialized tax on the ultra-wealthy

Join the conversation about this story »

NOW WATCH: Nxivm leader Keith Raniere has been convicted. Here's what happened inside his sex-slave ring that recruited actresses and two billionaire heiresses.

You've probably never heard of this K-beauty face mask, but I swear by it for ultra-hydrated skin

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  • If you're looking for a moisturizer that can hydrate your skin without making it feel greasy, I recommend going for a gel-based formula. 
  • I recently came across the Dr. Jart+ Water Fuse Hydro Sleep Mask ($48) and have been using it religiously. It's a lightweight gel that locks in moisture as you sleep, so you wake up with hydrated skin that needs little maintenance. 
  • It's a bit pricey, but a little goes a long way in helping you achieve dewy, glowing skin — so your investment should last you a while. 

If you're like me, you're probably thinking that your skin needs anything but more moisture this summer. I mean, does 90% humidity and a slathering of thick face cream seem like a recipe for a sweaty disaster to anyone else?

Yes, the summer schvitz is real, but don't confuse that sweat and oil with proper skin hydration. Our skin looks and feels its best when it's hydrated — not unlike our bodies as a whole. But, how oily our skin looks actually isn't an indicator of how hydrated it is. If anything, it's an indicator that our skin is dehydrated. When our skin becomes dry, our bodies try to jump to the rescue and produce even more oil, which tends to lead to clogged pores and pesky pimples. 

If you want an easy way to get your skin really hydrated, really fast, I'm convinced I found the best product for the job. 

The hydrating mask I swear by

The Dr. Jart+ Water Fuse Hydro Sleep Mask ($48) recently made its way into my skincare routine by way of sample sale — thank you New York City. It's a lightweight gel you apply on top of the rest of your skincare products and let work its magic as you sleep. The gel essentially acts as a barrier between your skin and any external elements, helping to lock in the moisture and nutrients from other skincare products you may use.

Even if you don't use many other skincare products, this mask is filled with restorative ingredients that infuse skin with moisture. Himalayan pink salt and Belgium hot spring water work to support cell regeneration and remove impurities, respectively. The proprietary AquaMineral complex — made of sodium, potassium, calcium, and magnesium — help improve water absorption to bring skin's moisture levels to their optimal state. 

The Dr. Jart+ Hydro Sleep Mask is free of parabens, sulfates, phthalates, and other potentially harmful ingredients. Instead it's filled with a slew of ingredients meant to optimize moisture, texture, and help remove impurities from the skin. 

How to use it

Using the mask is simple. Once you've finished your nighttime skincare routine, apply the gel generously to your face and neck. The gel is lightweight and has a cool feel, making it a refreshing final step. Go to sleep as you normally would — aka don't worry about it! The mask is not obtrusive and won't affect your night's sleep at all. When you wake up, rinse off with warm water. 

Your skin will feel soft, smooth, and so supple. Take it all in. 

My experience with the mask

I've been using this product for almost a month now and have not one regret. I'm obsessed with the way my skin looks and feels when I use this, so I will definitely keep doing so. And, while it's a new product that I added to my skincare collection, this mask has actually helped me pare down my routine. Especially in the summer, I don't want to layer on heavy skincare products. Instead of reaching for more products to remedy skin problems, this mask helps optimize the products I already use, making for a quick, easy, and very efficient, nighttime routine.

hydro

Bottom line

At $48, the Dr. Jart+ Water Fuse Hydro Sleep Mask isn't a cheap product. Even though I bought it at a sale, I would not hesitate to pay full price for it again. It has made my skin look bouncier and brighter than ever before, and I love that it doesn't require me to change my regular routine, It's a simple addition that I can use no matter what other skin-care products are in my rotation at any given time. You're also not going to be limited by seasonality —  use it every night, all year round, and I think you'll really get your money's worth. 

No matter the type, thirsty skin deserves this mask. 

Get the Dr. Jart+ Water Fuse Hydro Sleep Mask, $48, at Sephora

Join the conversation about this story »

Every SUV and crossover for sale right now that costs less than $30,000

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2019 Ford Edge

If you think the prices of new cars are rising quickly, it's not just your imagination.

Prices paid for new cars, especially trucks and SUVs, are now hitting record highs, according to industry forecaster J.D. Power and LMC Automotive.

The average price of a car sold in the second quarter of this was expected to hit $33,319 — a new record — the company predicted in March. At the same time, the number of cars actually sold was expected to fall.

There's still plenty of models that start quite a bit less than that lofty number, however.

Here's a list of all of the SUVs under $30,000 in the market right now.

SEE ALSO: The 20 most stolen cars in the US list is dominated by SUVs, pickup trucks, and 3 models of the Dodge Charger

2019 Buick Encore: $23,200

Source: Buick



2019 Chevrolet Blazer: $28,800

Source: Chevrolet



2020 Chevrolet Equinox: $23,800

Source: Chevrolet



2020 Chevrolet Traverse: $29,800

Source: Chevrolet



2019 Chevrolet Trax: $21,300

The 2020 model will start at $21,300. The release date hasn't been announced yet.

Source: Chevrolet



2019 Fiat 500X: $24,740

Source: Fiat



2019 Ford Edge: $29,995

Source: Ford



2019 Ford Ecosport: $19,995

Source: Ford



2019 Ford Escape: $24,105

Source: Ford



2019 GMC Terrain: $25,000

Source: GMC



2019 Honda CR-V: $24,450

Source: Honda



2019 Honda HR-V: $20,620

Source: Honda



2019 Hyundai Tucson SE: $21,100

Source: Hyndai



2019 Hyundai Kona SE: $18,990

Source: Hyundai



2019 Hyundai Santa Fe SE: $24,500

Source: Hyundai



2019 Jeep Cherokee: $25,740

Source: Jeep



2019 Jeep Compass: $22,095

Source: Jeep



2019 Jeep Renegade: $22,275

Source: Jeep



2019 Jeep Wrangler: $28,045

Source: Jeep



2019 Kia Niro: $23,490

Source: Kia



2020 Kia Sportage: $23,990

Source: Kia



2019 Kia Sorento: $26,290

Source: Kia



2020 Kia Soul: $17,490

Source: Kia



2019 Mazda CX-3: $20,390

Source: Mazda



2019 Mazda CX-5: $24,350

Source: Mazda



2019 MINI Cooper Countryman: $27,400

Source: Mini



2019 Mitsubishi Outlander: $24,695

Source: Mitsubishi



2019 Nissan Kicks: $18,640

Source: Nissan



2019 Nissan Rogue: $25,020

Source: Nissan



2019 Subaru Crosstrek: $21,895

Source: Subaru



2019 Subaru Forester: $24,295

Source: Subaru



2019 Subaru Outback: $26,345

Source: Subaru



2019 Toyota C-HR: $21,145

Source: Toyota



2019 Toyota RAV4: $25,650

Source: Toyota



2019 Volkswagen Tiguan: $24,295

Source: Volkswagen



Tom Brady says his diet isn’t as restrictive as people think it is, and he often eats bacon, pizza, and chocolate

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  • Tom Brady revealed to Men's Health his diet is nowhere near as restricted as people think it is, and that he is happy to devour pizza from time to time.
  • The six time Super Bowl winner says worrying about junk food is more harmful than actually eating it.
  • The revelations seem to contradict his previous statements with regards to his diet, in which he claimed not to eat produced foods, caffeine, or sugary fruits.
  • Visit Business Insider's homepage for more stories.

Tom Brady says his diet is not as restrictive as most would think, and that he is more than happy to indulge on pizza, bacon, and chocolate whenever he feels like it.

In the past, Brady has been known for having an extremely strict meal plan.

In 2017, Business Insider interviewed the 42-year-old's private chef, Allen Campbell, who revealed the six time Super Bowl winner ate mostly 80% organic vegetables and 20% lean meat, including grass-fed organic steak, duck, and chicken.

The New England Patriots quarterback also released a book in 2018, titled "The TB12 Method: How to Achieve a Lifetime of Sustained Peak Performance," in which he claimed he avoids processed foods, caffeine, and even fruit because of the high sugar content.

Read more:8 terrible health tips from Tom Brady

But Brady now appears to have changed his tune.

Speaking to Men's Health, the 42-year-old said his meal plan is not as strict as most people think. "If I'm craving bacon, I have a piece. Same with pizza. You should never restrict what you really want. We're humans, here for one life," he said.

"What's changed as I've gotten older is now if I want pizza, I want the best pizza. I don't eat a slice that tastes like s--- and then wonder, 'Why am I eating s--- pizza?'"

That doesn't mean Brady's diet has totally deteriorated, as the NFL star says he still mostly eats the same healthy meals day-in-day-out — those being avocado and eggs for breakfast, salads with nuts and fish for lunch, and roasted vegetables and chicken for dinner.

He is just a little more relaxed when it comes to having a cheat meal here and there.

"I have a friend who freaks out if it's not the most organic this or that, and I'm like," he said. "That stress is going to harm you way more than eating that chip is."

Join the conversation about this story »

NOW WATCH: The US women's team won the World Cup. Here's why American women are so good at soccer.


13 startups that make daily rituals like brushing your teeth and taking vitamins more enjoyable

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  • The comfort and consistency of rituals bring us back down to earth. 
  • They take many different forms, from putting on a favorite record to shaving. 
  • Online startups are adept at selling the entire experience of these beloved rituals. At the center is a product that solves daily problems while providing a respite from the stresses of life. 
  • We took a look at startups you already know, like Casper, along with ones that may be unfamiliar, like Dripkit, to illustrate how companies are using the comfort of rituals as a selling point.

Rituals are an important part of daily life. In the midst of what can often feel like a rollercoaster of work and personal obligations, they allow you to hop off for a brief moment, take a breather, and regain a sense of stability. 

Even something as innocuous as making a cup of coffee or watering a house plant can improve your mental wellness. It may seem like you're simply going through the motions, but it's exactly those repetitive movements and consistent practices that provide the all-too-needed comforts of familiarity.

Everyone's rituals look different (mine include writing in my journal, winding down every night with music and a book, and going to my favorite bagel shop every Sunday) and take various forms, from skincare to cooking.

Online startups across a variety of categories are great at tapping into this love for consistency and comfort, selling not a product, but the entire experience of owning it, using it, and making it part of a recurring ritual. They hope to be there for you as one of the constants in your life. 

Learn how these 13 startups are selling the experience of a daily ritual:

Sleeping: Casper

Shop mattresses and more at Casper here

Getting ready for bed is a universal ritual enjoyed by all — we've met few people who don't look forward to climbing into bed each night. For the last few years, Casper has been making the process inviting with its supportive, comfortable mattresses, but a recent new product, the Glow Light ($89), is intended to get you to dreamland even faster. The adjustable light will help your body wind down at night and wake up gently in the morning, while the ambient light sensor turns it into a portable night light. 



Brushing your teeth: Quip

Shop electric toothbrushes at Quip here

We hope you're brushing your teeth twice a day. If the idea doesn't enthuse you, Quip is a startup that might inspire you to concentrate on and enjoy your teeth-brushing habit more. Its sleek, American Dental Association-approved brushes are easy to use, can mount to your wall or mirror, and have replaceable brush heads available through a subscription. They come in a variety of colors and sets so you can get your loved ones in on two minutes of blissful respite at a time. 



Washing your face: Panacea

Shop skin care at Panacea here

When you say "skin-care ritual," I imagine you must mean a routine that involves no less than eight products and perhaps a song and dance thrown in there, too. While I appreciate that these long rituals have their own pros, some might consider them excessive, and will more realistically be drawn to companies like Panacea. Panacea's three-step kit consisting of a cleanser, moisturizer, and sunscreen will get you out the door in five minutes, but your skin will still feel nourished and pampered because they're made with clean, lightweight formulas. 



Taking your vitamins: Ritual

Shop multivitamins at Ritual here

This growing vitamin startup has "ritual" right in its name and makes taking your daily multivitamin the most simple it's ever been. The Ritual vitamin contains nine essential nutrients that women most commonly lack in their diets and costs $30 for a month-long supply, encouraging you to clean out your vitamin cabinet for good. 



Relaxing through scent: Vitruvi

Shop Vitruvi essential oils and diffusers at Amazon and Nordstrom here

Fragrance is a highly effective way to set the mood of your surroundings, and startup Vitruvi is the new brand of choice for anyone looking to create a soothing atmosphere. Breathe in its delightful essential oils, which include grapefruit, eucalyptus, and peppermint, and you'll be transported to a place far, far away from your stresses. To fill your entire room with the scent, get its elegant ceramic diffuser, and make a habit of using it often. 

 



Staying active: Fitbit

Shop Fitbit fitness trackers at Amazon, Target, and Best Buy here

Running one long and exhausting burst of a couple dozen miles is ultimately less effective and helpful than splitting up that mileage over a period of multiple days. A Fitbit fitness tracker motivates you to get up each day and continue your running streak by recording your activity and sending reminders to keep it up. Even if you're not a runner, it'll tell you to leave your office chair and take a stroll outside. Before long, you'll look forward to these daily walks or runs and see them as a welcome break. 



Caring for a plant: The Sill

Shop indoor plants at The Sill here

Can't commit to a human being or animal? Plant parenting is on the rise for a number of reasons, but one is that it allows for the satisfaction of caring for a live being — just without the huge cost or commitment. You can shop all types of beautiful, mood-lifting house plants at The Sill, which will ship them to your door and show you how to keep them alive. Checking up on your succulents or snake plant and watching them thrive may just become the highlight of each day. 



Shaving: Harry's

Shop shaving products at Harry's here

Whether you shave daily, weekly, or monthly, it's a ritual that you don't necessarily enjoy, but it has to be done anyways. Ineffective tools and high costs prevent us from fully embracing this common ritual, but grooming brand Harry's solves both with its super sharp blades and affordable kits. To make sure you're never caught with a dull blade, it also offers subscriptions. On the women's side, its new brand Flamingo sells the same ideals of affordable quality



Listening to music: Vnyl

Shop vinyl records and players at Vnyl here

While headphones plugged in during a commute or at work often translate to idle listening, sliding a record out of its sleeve and placing it carefully on the player signals intent and full commitment to the music-listening experience. Vnyl, a record subscription service and maker of the Trntbl smart record player, personalizes the music discovery process by sending you records based on your music profile and preferences. The event of listening to a new vinyl becomes more exciting because it's almost certain you'll love it. 



Drying off: Weezie

Shop towels at Weezie here

Hair wrapped in a towel as you get ready for a night out. Falling asleep in a large towel post-shower. Wiping off makeup, dirt, and grime after a long day. If you experience any of these scenarios regularly, you'll love the luxe towels from Weezie. You can add custom embroidery (and you have many more stylish options than other custom services) so your rituals feel even more personal and enjoyable, but even by themselves, the towels are wonderfully soft, fluffy, and absorbent. 



Enjoying a meal: Year & Day

Shop dinnerware at Year & Day here

Don't buy nice table settings and save them only for special occasions. Year & Day wants you to use its European ceramics for everything from canapés to greasy diner leftovers — and trust us, these sturdy, simple, and beautiful pieces of dinnerware make a difference in how you enjoy any type of food. The startup shows customers how each bite and sip, no matter the event, matters — and its plates, glasses, serving tools, and utensils will help you appreciate that. 



Taking your dog for a walk: Wild One

Shop pet accessories at Wild One here

Taking your dog out for a walk every day takes a toll on its leash and collar, so you want ones that are tough and durable, but also comfortable for your dog. Both owner and pet enjoy the walks taken with Wild One's Walk Kit ($105), which contains a collar or harness, leash, and poop bag carrier. They're made from non-toxic materials and importantly, are stain-, odor-, and dirt-resistant, so your pet can continue exploring the great outdoors without being held back. 



Drinking coffee: Dripkit

Shop coffee at Dripkit here

One of the most revered rituals of all time, making and drinking coffee is an instrumental part of many people's days, but is prone to falling by the wayside when traveling. Dripkit lets you savor a fresh cup of pour over coffee anywhere, anytime, with its single-serve packets that reduce prep and clean-up. All you need is water to make this coffee that tastes consistently great. On the site, you can shop individual bags or gift subscriptions. 



I thought paying $20 for a single pair of socks was crazy, but then I tried Smartwool socks and did a complete 180

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  • It may seem odd to wear wool socks in the summer, but merino wool actually wicks away moisture, regulates temperature, and resists odor, making it a great fabric for all weather.
  • Smartwool makes performance clothing and accessories out of versatile merino wool.
  • I'm a huge fan of the Smartwool PhD Outdoor Light Micro Socks ($18.95); they're durable, comfortable, and keep your feet cozy and dry through just about any activity.

Wool? In the summer? Are you crazy?!

This was my internal dialogue as I stood in REI and a salesperson directed me to a rack of wool socks, suggesting I purchase them for a summer trip in Southeast Asia, where summer is monsoon season with forecasts that are undeniably hot, sticky, and humid. The thought of bundling my toes in the same thick knit used to make cozy winter sweaters and mittens seemed kind of crazy. And that wasn't the only crazy thing about these socks — they cost about $20 a pair. That's more than I'd usually pay for a pack of six socks or more.

But, like any good salesperson does, they sold me on the socks. All it took was a little explaining about the power of  versatile, sweat-wicking, and temperature-regulating merino wool. 

The specs of the Smartwool PhD Outdoor Light Micro Socks

Talking about specs when it comes to socks may sound a little funny. After all, these are just socks, not a high-tech gadget. But, the technical design of Smartwool socks is what make them unique, and if you ask me, worth the price.

Smartwool makes plenty of merino wool socks of different heights and thicknesses. I have the Smartwool PhD Outdoor Light Micro Socks, a lighter, shorter pair that's made for hiking and beyond. 

Smartwool's PhD line is a collection of high-performance socks and clothing made from merino wool. There are a few things that set these socks apart from the value-pack options, but one that I find makes Smartwool special (as the name suggests) is the use of ZQ-certified Merino wool.

Whether you're hiking, running, or just traveling, merino wool is a great choice. The fabric helps regulate body temperature, so your feet won't freeze when it's cold or overheat when it's hot. It wicks away moisture at a vapor level, so even when your feet sweat you won't feel damp. Merino wool also resists odors, a particularly great feature if you're looking for socks that are great for traveling. Since they resist odor, they can go longer without being washed and won't stink up your bag as much as regular cotton socks. The ZQ-certification means that this wool is high-quality and adheres to high standards for animal welfare, environmental care, and sustainability. 

smartwool

Beyond the fabric, Smartwool has seriously thought out every detail of these socks.

The socks have a narrower profile to accommodate women's feet. There's a light cushion on the sole that is ideal for running over terrain that may not be perfectly smooth, like hiking trails and cobblestone streets. There are mesh ventilation zones across the sock to maximize breathability and wick away the most moisture. The seams are virtually seamless, so you don't get that annoying seam feeling on your toes while you move. And with extra flexibility around the ankle, these stay put and won't bunch up no matter how much you move. 

All of these features work together to make one of the most comfortable, in both feel and fit, pairs of socks you've ever worn. 

The bottom line

I got a few pairs of these socks for hiking and traveling, but now I wear them just about every day. They're now my go-to pairs; since trying them, the rest of my old socks really do feel inferior. They're soft, durable, and keep my feet feeling comfortable whether I'm hiking on a dusty trail or running around a well-paved city.

While socks usually wear out pretty fast, the fact that these haven't changed at all since I got them makes me feel they're worth the price. Whether you want a pair of no-shows, running socks, or high socks, Smartwool has a huge range an options for you.

I really never thought I'd care much about socks, but as a Smartwool convert, I can't recommend its products enough. 

Grab a pair of Smartwool's PhD Outdoor Light Micro Socks for $18.95 a pair at Smartwool. They're available for women and men

Shop all Smartwool women's socks at REI and Smartwool.

Shop all Smartwool men's socks at REI and Smartwool.

Join the conversation about this story »

From basketball courts to floating helipads, here are the luxury yachts owned by some of the wealthiest people in tech

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richard branson boat

Some billionaires, like Elon Musk and Bill Gates, buy private planes to take control of the open skies — others purchase yachts to access the open seas.

There aren't too many tech billionaires who own personal yachts. Amazon CEO Jeff Bezos, for instance, doesn't have a yacht himself, but that doesn't stop him from cruising the ocean: he was pictured recently aboard the superyacht belonging to entertainment mogul David Geffen.

But the tech billionaires who do have yachts, like Google's Sergey Brin and Larry Page, reflect the view that yachts are for play: Their boats are decked out with amenities like gyms, spas, pools, nightclubs, and movie theaters.

If you want to find out what life is like aboard these multi-million-dollar yachts, some of them are available to rent out for a few nights or weeks at a time. For instance, chartering the yacht owned by Alphabet President Sergey Brin has cost past customers $773,000 a week.

Here are the yachts owned by tech billionaires:

SEE ALSO: Chocolate for breakfast and freshly killed goat for dinner. Here are the diets of notable tech billionaires.

Oracle cofounder Larry Ellison owns a 288-foot yacht named Musashi that he acquired in 2013.

Source: Forbes



Ellison previously owned a bigger, 454-foot yacht called Rising Sun, which was designed specifically for the CEO in 2005. That yacht reportedly has 82 rooms, a movie theater, a wine cellar, and a basketball court. However, Ellison sold off the Rising Sun to music mogul David Geffen for a reported $300 million.

Source: Forbes, Boat International



Ellison's Musashi is a sister ship to the yacht of another billionaire, Sears CEO Eddie Lampert. However, the yacht, named Fountainhead, is often mistaken for belonging to billionaire investor Mark Cuban. "The guy who owns the boat tells everyone that it's mine," Cuban told Page Six in 2016. "It’s so crazy ... I don’t even own a boat."

Source: Page Six



Ellison's yacht reportedly influenced the decision of late Apple CEO Steve Jobs to get a boat himself. However, Jobs never set foot on the boat — the yacht was commissioned in 2008, but wasn't completed until 2012, a year after his death.

Source: Business Insider



When Jobs died in 2011, his yacht — along with his $14.1 billion fortune — was inherited by his widow, Laurene Powell Jobs. The 256-foot yacht in named Venus, and is worth $130 million.

Source: Business Insider



The Google cofounders, Larry Page and Sergey Brin, are two of the richest people in the world, at No. 10 and No. 14, respectively. The two billionaires are known to splurge — in addition to each owning a superyacht, they both own private planes as well.

Sources: Forbes, Business Insider



Alphabet CEO Larry Page owns a yacht named Senses, an 194-foot boat costing $45 million that he bought in 2011 from a New Zealand businessman. The yacht has a private beach club with a Jacuzzi and sun beds, both indoor and outdoor dining areas, and a helicopter pad.

Source: Boat International



Meanwhile, Alphabet President Sergey Brin owns a longer, 240-foot yacht that he bought for a cool $80 million in 2011. It's reportedly the world's fastest superyacht, and is equipped with a dance floor and open-air cinema.

Source: Business Insider



Brin's yacht is named Dragonfly. The boat shares a name with Google's once-secret project to launch a censored search engine in China. It's still not clear whether Google has totally abandoned the project or not.

Source: Business Insider



But Brin and Page aren't the only two high-powered Google figures with yachts. Former Google Chairman Eric Schmidt owns a 194-foot yacht name Oasis. The yacht reportedly features a pool and a gym-turned-nightclub. He bought the boat in 2009 for a reported $72.3 million.

Sources: Business Insider, GQ



For Skype cofounder Niklas Zennstrom, his interest in yachts skews toward racing and competitive sailing. Zennstrom has gone through a succession of boats named Ran, and his most recent purchase is the seventh in the series.

Source: CNN



The latest yacht, appropriately named Ran VII, is the most technologically advanced of all of Zennstrom's boats. The racing yacht uses electrical power, which Zennstrom says makes it "lighter, less drag, quieter, and most importantly it is environmentally friendly."

Source: CNN



The 40-foot yacht will compete in regattas through the racing team owned by Zennstrom and his wife, Catherine. The Ran Racing team launched in 2008 and has won some prestigious regattas.

Source: CNN



Barry Diller, chairman of digital media company IAC, co-owns a $70 million yacht with his wife, fashion designer Diane von Furstenberg.

Source: Business Insider



The sailing yacht, named Eos, is 350 feet long with six bedrooms. The power couple has hosted many celebrities over the years — a few that have been spotted aboard Eos include model Karlie Kloss, actor Bradley Cooper, journalist Anderson Cooper, and singer Harry Styles.

Source: W Magazine



For Jim Clark, the cofounder of Netscape, one yacht hasn't been enough. Clark has owned boats for more than 30 years, and in 2012, put up two of his sailing yachts for sale.

Source: Business Insider



Clark listed the boats for a combined $113 million: the 136-foot Hanuman for $18 million, and the 295-foot Athena for $95 million. However, as of 2016, Clark had yet to offload Athena. Clark also previously owned a 155-foot yacht named Hyperion, and currently also owns a racing yacht named Comanche.

Source: Boat International



Charles Simonyi worked at Microsoft until 2002 and oversaw the creation of Microsoft Office software. A few years before he left, Simonyi decided to purchase a yacht. He told the designer that wanted his yacht to be "home away from [his] home in Seattle."

Source: Boat International



The product of that conversation in 1999 is Simonyi's yacht named Skat, meaning "treasure" in Danish. The yacht measures 233 feet long, and is unique with its nontraditional design and gray color. Skat features a matching helicopter, a gym, and motorcycles.

Source: Yacht Charter Fleet



Opulent British billionaire Richard Branson owned a yacht, until he sold it this past September. The 105-foot catamaran sold for $3 million, significantly lower than the €8.5 million ($9.6 million) price Branson listed the boat for in 2014.

Source: Business Insider



Branson, the founder of Virgin Group, bought the boat in 2009. He named it Necker Belle, a nod to his private Caribbean island, Necker Island.

Source: Business Insider



This $10 dry-cleaning kit has saved me tons of money and trips to the dry cleaner

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  • Special-care clothing, particularly pieces with a "dry-clean only" label, can be a pain to take care of. Trips to the dry cleaner can be inconvenient and expensive.
  • To extend the life of my special care clothing, I use the Dryel at-home dry-cleaning kit ($9.99).
  • It's an affordable way to keep your special-care garments in great condition and it couldn't be easier to use. Plus, it has saved me tons of money and trips to the dry cleaner over the years.
  • While the kit works wonders on denim, wool, and cashmere, it's worth noting that it can be damaging to certain fabrics like leather, velvet, and silk. 

Is it just me or does anyone else's heart drop a bit when you find an amazing clothing item just to inspect it and find "dry-clean only" inscribed on the tag?

Let's face it: dry cleaning is kind of a pain. Living in New York City, where a laundromat sits on just about every corner, it's not so bad — but getting your clothes dry cleaned can be pricey, and if you have multiple pieces it can add up quickly. If you want to keep your clothes in good condition, though, there's really nothing you can do  — you just have to suck it up, put down those extra dollars, carve out some extra time to head to the laundromat, or incessantly google how long your clothes can last without a wash. At least, that's what I thought until my mother introduced me to this very simple solution (thanks, mom). 

The Dryel at-home dry-cleaner kit does just what it says — it works to clean your special care pieces from the comfort of your own home.

The starter kit comes with everything you need to complete the cleaning process; a garment bag, booster spray, and the patented "ultracleaning" cloth. It's a three-step process that truly couldn't be easier to use.

How to use the kit

Step 1:

Place your garments (up to five) and one ultracleaning cloth into the reusable bag. If any of the pieces are stained or particularly dirty, pre-treat them with the included booster spray before placing in bag.

Step 2:

Put the bag in the dryer and tumble on medium heat for 15 minutes for a quick refresh. If you're looking for a deeper clean, tumble on medium heat for 30 minutes instead. 

Step 3:

Hang your garments so they are wrinkle-free. The end!

How it actually works

You may be wondering if this is some sort of laundry machine magic, but there's actually a very simple explanation. Dryel's ultracleaning cloths are concentrated with a heat-activated cleaning solution that, when met with the heat of your dryer, is released as a steam that penetrates fabric to remove stains and odors. The garment bag protects your special care fabrics from the intense heat of the dryer, so nothing will shrink on you. In the end, you're left with clothes that feel softer and smell fresher. 

For ease of use, Dryel gets an A+, but it also does wonders for your wallet. A starter kit with enough supplies for four loads is only $9.99. When you do the math, that's just about $2.50 per load. If you consider the maximum capacity of five garments per load, you're down to just about fifty cents per garment. Just a few weeks ago I got five pieces dry-cleaned at my local laundromat for about $24. That one trip cost me more than double this entire kit — which has the capacity to clean four times the amount of garments. 

Of course, there are some important things to note. While the kit works wonders on denim, wool, and cashmere, it can be damaging to certain fabrics like leather, velvet, and silk. 

When you compare the prices, it's hard to believe this easy dry-cleaning solution isn't more widely used — or, maybe it is, and I'm just the last one hopping on the bandwagon. 

Get the Dryel at-home dry cleaner starter kit, $9.99, available at Amazon

SEE ALSO: This lightweight anorak from Everlane is the MVP of my spring wardrobe — and it's made from 25 recycled water bottles

Join the conversation about this story »

How to ask your boss for vacation days now that summer is winding down

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  • Asking for time off at work can be an intimidating task. 
  • Joseph Grenny, co-founder of VitalSmarts and co-author of "Crucial Conversations," has seven tips to help you get the vacation days you deserve.
  • The key is to have explicit conversations with your boss so you know what's expected of you, both in how much time you can take off,and your role at work during your time off.
  • Visit Business Insider's homepage for more stories.

With summer winding down, there's probably one thing a lot of workers are thinking about: using up those remaining vacation days.

Paid leave is essential for employees who need a break from their daily grind. Time off relaxes and replenishes workers, and improves productivity when they return to the job.

According to US Travel, average vacation days in America began to decline in 1993, from around 20 days used per year to an all-time low in 2014 of 16.2 days used per year. Since then, however, Americans have taken more paid time off, bringing the average up to 16.8 days used per year.

Despite the increased time off, America is nowhere near Europe's generous vacation policies. According to a column in the Economist, European workers typically get much of August off, while Americans struggle with the idea of taking a week off here and there. But such short vacations are not always healthy, says the magazine. A simple long-weekend trip "risks adding to the stress, as a high proportion of the vacation period is spent travelling to and from the desired destination. No sooner do you arrive than you have to think about packing for the trip back."

Some people dread asking for time off, and assume taking less time off is expected of them, according to Joseph Grenny, co-founder of VitalSmarts and co-author of The New York Times best-seller, "Crucial Conversations."

Grenny spoke to Business Insider about the best ways to ask for PTO, and how to get it.

SEE ALSO: Your vacation is stressing out your millennial coworkers, and social media is only making it worse

1. Have an explicit discussion with your boss

One of the most important aspects, according to Grenny, is having explicit conversations where you find out exactly what's expected of you.

When Grenny started VitalSmarts three decades ago, he knew that he and his three co-founders would be racing to be the guy who worked the hardest. "We'd look at each other 20 years later and have our kids calls us 'Uncle Dad,'" Grenny said. "We didn't want that, so we had a very explicit discussion early on."

Make sure to have an open discussion with your employer about how much time off is expected from employees, and if workers are required to answer emails while they're away.

 



2. Make sure you know what the company's expectations are

Grenny warned that many employees take less time off because they assume it's the norm, and as a result, they let their vacation days go to waste.

"You need to figure out what you're comfortable with, and conversations are the vehicle for establishing expectations with others," said Grenny. "If you don't let [your boss and coworkers] express it to you explicitly, sometimes you hold yourself to a standard that they don't expect, and you end up taking less advantage of some of these generous policies than you could."



3. Ask guardrail questions

If you're a new hire, asking general questions about vacation time can help you out later on when it's time to ask for time off yourself.

Grenny gave sample questions to ask your boss: "How does it typically work? What do people typically do? Can you give examples of people who have abused it? So now I know what both normal looks like and what abuse looks like, and I can find my way in between those two guardrails."



4. Watch for norms

Watching for norms is one of the easiest ways to figure out the right time and place for asking for PTO.

"See if you can get a sense for what the norms are for the people around you," said Grenny.  "What kind of rhythms do they use? What lengths of vacation? How much time away?"

According to Grenny, it's important to make a mental note of how present other employees are while they're on vacation. "What boundaries does the workplace tend to honor in terms of when you're out? Are you really out, or do they intrude on your time for conference calls and for brief tasks?"



5. If you're a new hire, earn social capital

If you're new to the workforce, or if you're a new hire, make sure you're asking for PTO once you've earned it.

Grenny emphasized the importance of earning your place in the company before going on vacation. "I think it is important to be sensitive to earning social capital before you draw down on it," he said. "So if you're brand new and you're asking for a month off to go and traipse around Europe, you ought to expect what people are going to wonder about your level of commitment to the workplace. Realize that the first thing you need to demonstrate is that you care about the problems, issues, and concerns of the workplace. And once you've demonstrated that, then you have something to draw down on."



6. Assume that your company wants you to take time off

As Americans take more and more days off each year, Grenny argues that there's no need to leave your vacation days untouched.

"I think the norm these days is that people want you recharged," he said. "People recognize that we're complex human beings. For many of us [work] is a 24/7 thing because electronics intrude so much in our lives, so when we're away, we need to be away."



7. Don’t race to the bottom

Grenny described his past experience with the dangers of observing norms without talking directly to the boss, where employees took less and less time off, thinking they were benefitting the company. Grenny called this a "race to the bottom."

"I've worked with many senior leaders in organizations that realize that they have a toxic culture that grinds people down, and that they need to have boundaries of going out and rejuvenating themselves," he said. "People are operating on assumed norms rather than actual norms."



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