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How to send a large video file from your iPhone to another device in 3 ways

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iPhone XR

  • You cannot email a file larger than 25 megabytes using an iPhone, which can make it difficult to send large or long videos.
  • You can work around these file size limits to send a large video using the iPhone's Mail Drop feature, which sends content via iCloud, or by using a third-party platform like Google Drive.
  • If you are sending a video to someone nearby, then you can transmit even very large videos directly with the iPhone's AirDrop feature.
  • Visit Business Insider's homepage for more stories.

So, you have an amazing video on your iPhone that you can't wait to share with your friends? Well, if it's larger than 25 megabytes, which most videos of any substance are, then you can forget about sending it via email. 

And good luck sending a video that's longer than about three and a half minutes via iMessage or text, either: you're almost sure to get a "Message Not Delivered" notification there.

Fortunately, there are several ways to send large videos from your iPhone that work around these limitations. And the simplest of all is a built-in feature you've surely heard of called AirDrop, which has no file size limit.

Check out the products mentioned in this article:

iPhone Xs (From $999.99 at Best Buy)

How to send large videos from an iPhone

Sending large videos via AirDrop

You can send large files through AirDrop, which transmits data over Bluetooth. They'll need to be connected to iCloud, and have Bluetooth turned on.

1. Make sure the intended recipient is within a dozen feet or so of your phone (and that they have AirDrop enabled in their settings), then open the photo app and select the video to be sent.

2. Tap the share icon on the bottom left corner of the screen (it's a box with an upward facing arrow coming out of it).

3. In the AirDrop section, tap the name of the intended recipient. Once they confirm, the sending will commence.

IMG_3536

Send large videos via iCloud

You can also use Mail Drop, another Apple program, to send large files over iCloud.

1. From the Photos app, select the video to be sent, then tap the share icon.

2. Tap the mail icon, and wait while your phone prepares the video.

IMG_5062

3. Compose and send your email, then wait for a pop-up window saying, in part, "This attachment may be too large," and offering Mail Drop as an option. Tap "Use Mail Drop" to share the video via iCloud. The recipient can download it from the cloud shortly.

IMG_5061

Share large videos on iPhone using Google Drive

Google Drive is a cloud-based storage system that you can access from your phone or computer. Once you upload a file to it, you can share that file to anyone with an email address.

1. Launch (or download and then launch) the Google Drive app on your phone.

2. Tap the colorful plus (+) icon in the bottom-right corner of the app.

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3. Tap "Upload" on the popup menu, then hit "Photos and Videos."

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4. Select the video to be uploaded and commence the process.

5. Once the video is uploaded, find it and tap the three dots next to it.

6. In the menu that opens, tap "Share."

7. In the field that says "People" at the top of the page, enter in any email you want to send the file to.

IMG_DD1D571CEB29 1

You can now go to the video in your Drive and share it with whomever you choose.

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: Why Apple's Mac Pro 'trash can' was a colossal failure


Meet Stephen Ross, the billionaire developer of Hudson Yards and chairman of Equinox, who's one of the richest people in New York and reportedly plans to host a fundraiser for Trump in his Hamptons home

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Real estate mogul Stephen Ross is in hot water.

Reports that he's holding a reelection fundraiser for President Donald Trump this Friday, August 9, at $100,000 per ticket have sparked backlash, according to The Washington Post.

Ross, age 79, is chairman of Related Cos., which owns Equinox and SoulCycle. Equinox members and SoulCycle visitors are now threatening to cut ties with the trendy fitness brands following the news, reported Business Insider's Kate Taylor. However, Equinox issued a statement via Twitter on August 7, saying it doesn't support the event. SoulCycle, too, issued a statement the same day, noting that the company "in no way endorses the political fundraising event being held later this week."

Read more: People are threatening to quit Equinox and SoulCycle following a report that the chairman of the trendy fitness brands plans to host a Trump fundraiser

Ross has since issued a statement in response to the backlash, per Miami Herald reporter Adam Beasley. "I always have been an active participant in the democratic process," Ross said. "While some prefer to sit outside of the process and criticize, I prefer to engage directly and support the things I deeply care about."

In the statement, Ross said he's known Trump for 40 years, and "while we agree on some issues, we strongly disagree on many others, and I have never been bashful about expressing my opinions."

Ross has an estimated net worth of $7.7 billion, according to Forbes. He's known as the man behind New York City's Time Warner Center and the most expensive real estate development in US history — Hudson Yards— as well as the owner of NFL team Miami Dolphins.

Here's a look at Ross' life and fortune. 

SEE ALSO: Hudson Yards, NYC's $25 billion neighborhood, was financed with more than $1 billion that was meant for 'distressed' urban areas. Here's a look inside the glitzy development.

DON'T MISS: Dolphins receiver Kenny Stills calls out team owner Stephen Ross for supporting Trump and hosting a fundraiser for his reelection

Real estate developer and investor Stephen Ross has a Forbes estimated net worth of $7.7 billion, thanks to his position as chairman of global real estate and lifestyle company Related Cos.

Ross is also one of the top 25 richest people in New York, reported Business Insider's Marissa Perino.



Ross founded Related Cos. in 1972 with $10,000 he borrowed from his mother, he told CNN.

Ross took the leap after he was fired from securities brokerage firm Laird and investment bank Bear Stearns, reported Danielle Wiener-Bronner for CNN. He said it "was the best thing that happened to me."

"I started working, and I really developed the passion for what I was doing," he told Wiener-Bronner. "The more I did it, the more my passion grew."



Related Cos. owns or is currently developing $60 billion worth of properties worldwide, according to its website.

From Los Angeles to London to Abu Dhabi, its real estate portfolio consists of luxury condos, affordable and workforce housing, company headquarters, retail spaces, hotels, and city centers.



One of those properties is the most expensive real estate development in US history — New York City's $25 billion Hudson Yards.

Hudson Yards has been called a "playground for billionaires.About half of Hudson Yards is complete, and the remaining is expected to be completed by 2025, according to Crain's New York.

Luxury condos in the neighborhood start at $4.3 million and can exceed $32 million, Business Insider's Katie Warren reported. When finished, Hudson Yards will have a luxury mall, office spaces, public gardens, a performing-arts space, and the highest outdoor observation deck in the Western Hemisphere, she wrote. 



But Related Cos. is most famously known for developing New York City's Time Warner Center near Central Park.

The 2.8 million-square-foot property consists of retail stores, restaurants, a hotel, and offices, reported Wiener-Bronner for CNN.



Related Cos.' portfolio also includes trendy fitness brands Equinox and Soul Cycle.

Related Cos. acquired Equinox in 2005, and Ross sits on the board of directors; SoulCycle is owned by Equinox, reported Business Insider's Kate Taylor.

 



But Related Cos. isn't Ross' only business — in 2012, he cofounded private investment firm RSE Ventures, which specializes in sports and entertainment, media and marketing, food and lifestyle, and technology companies.

RSE Ventures has invested in Resy, David Chang's Momofuku, and feminine care line Lola, among others, according to its website.



Ross also owns NFL football team Miami Dolphins, which he purchased for more than $1 billion.

In 2008, Ross purchased 50% of the team, including the stadium and surrounding land, for $550 million, according to Sports Illustrated. The following year, he purchased the additional 45% of the team for $450 million. Businessman Wayne Huizenga owns the remaining 5%.

The franchise is currently valued at $2.6 billion.



Ever the sports fanatic, Ross also led the creation of global pre-season soccer tournament International Champions Cup, which reached more than 140 million viewers in 2017.

The International Champions Cup features 12 of the world's best clubs in one tournament. It's currently in the middle of its 7th edition.



Ross holds a number of esteemed positions at various non-profits and institutions, from health care to arts and culture.

He's a trustee of Lincoln Center and New York Presbyterian Hospital. He's also a director on the board of the Jackie Robinson Foundation, New York Stem Cell Foundation, and the World Resources Institute.



Ross is big on philanthropy, particularly sustainability and higher education. He's donated some $380 million to his alma mater, the University of Michigan, over the years.

Ross has also donated $20 million to the NYU School of Law, another alma mater, according to Inside Philanthropy.

He gifted $30.5 million to the World Resources Institute to establish the WRI Ross Center for Sustainable Cities. Its goal is to "integrate urban planning, sustainable transport, energy and climate change, water resources and governance."

Ross also supports the Juvenile Diabetes Research Foundation.



Ross has donated to both Democratic and Republican parties throughout the years.

In 2016, he donated $200,000 to Congressional Leadership Fund, a super PAC supporting the Republican party, according to Sports Illustrated. He also donated $100,000 to a super PAC affiliated with Mitt Romney in 2011, plus $10,000 to the NY Republican Federal Campaign Commit te in 2010, 2012, and 2013.

In 2004, 2005, 2006, and 2008, he donated $25,000 to the Democratic Senatorial Campaign Committee.



Recently, Ross stirred controversy following a report that he's hosting a Trump fundraiser in his Hamptons home for $100,000 per ticket, according to The Washington Post.

Ross' fundraiser for Trump's reelection is fueling boycott threats from Equinox members and SoulCycle fans, reported Business Insider's Kate Taylor.

Equinox has since released a statement on Twitter saying it isn't associated with and doesn't support the event. "We believe in tolerance and equality, and will always stay true to those values," it reads. "Mr. Ross is a passive investor and is not involved in the management of either business."

Following reports that Ross will host a reelection fundraiser for Trump, Dolphins wide receiver Kenny Stills criticized Ross for supporting Trump. He said that Ross, who runs the nonprofit RISE, which aims to eliminate racial discrimination, can't support both that mission statement and Trump.

Ross responded to the wave of backlash in his own statement later that day, saying that he likes to engage in the democratic process and that he and Trump, who he's known for 40 years, agree on some issues and disagree on many others.



Ross works and lives in the Time Warner Center, but he recently put his 8,500-square-foot penthouse on the market for $75 million because he and wife Kara are moving to Hudson Yards.

The Time Warner Center penthouse boasts a 42-foot-long living room, marble floors, a massive art collection, and five bedrooms, reported Katherine Clarke for The Wall Street Journal.

According to Clarke, they're moving into a penthouse at 35 Hudson Yards. It's touted as the "more upscale" neighbor of 15 Hudson Yards and is the tallest residential neighborhood in Hudson Yards, reported Warren for Business Insider. Current prices in the building range from $5 million to $28.5 million, but penthouses haven't been priced, she said.

Ross and Kara, a jewelry designer, have four children, according to Bloomberg.



Aside from his main residence, Ross has spent more than half a billion dollars building up his own personal real estate portfolio in New York and Florida.

In New York City, he purchased a $6.9 million condo in Tribeca and an apartment in the West Village, according to Sylvia Varnham O'Regan of The Real Deal. While it's unknown how much he paid for the latter, prices of other units at the time of the purchases were as high as $35 million.

He also owns a 9,148-square-foot-property on a nearly three-acre lot in Southampton, which Trulia valued at $11.4 million, reported O'Regan.

That's not to mention his Palm Beach, Florida, oceanfront mansion, known as "The Reef," for which he reportedly paid $31.8 million. He previously owned a four-bedroom condo in the city, which he purchased for $6.3 million and later sold for $12.1 million, O'Regan said.



When he's not working, snapping up real estate, or getting philanthropically or politically involved, Ross spends time golfing, boating, and exercising.

He told Wiener-Bronner he walks the 700 feet up to the top of the Time Warner Center two or three times a week.

"I never thought I'd be where I am today," Ross told her. "I kind of pinch myself, but I don't sit back because I'm always looking forward."



Here's what Costco looked like when it first opened in 1983 (COST)

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  • Costco has existed in some form since 1976.
  • That's because the modern-day company is the product of a 1993 merger between Costco and Price Club.
  • The first warehouse bearing the name Costco, however, opened in Seattle in 1983.
  • Costco provided Business Insider with historical photos of the chain's inaugural warehouse. 
  • Visit Business Insider's homepage for more stories.

Costco is a staple of the big-box-store landscape. It's been around for a while and has attracted a devoted flock of members thanks to its low prices and bulk sizes.

But the wholesale retailer's origin story is a bit complicated. You see, modern-day Costco is actually the result of a 1993 merger between Price Club and Costco. Price Club kicked off in 1976, and Costco followed suit seven years later.

Read more: 50 foods that Costco employees and members love

Costco provided Business Insider with a number of photos of the company's first warehouse.

These images provide a glimpse into what making a Costco run would've looked like back when Ronald Reagan was in the White House and "Maniac" was topping the Billboard charts.

SEE ALSO: Costco employees share their 9 best tips for getting an even better deal on your next shopping trip

DON'T MISS: Here's what happens when you show up at Costco without a membership card, according to employees

SEE ALSO: Costco employees share 31 things they'd love to tell shoppers but can't

Jim Sinegal and Jeff Brotman first dreamed up the idea for Costco Wholesale in 1982. Brotman, who died in 2017, was an attorney who was inspired to open a European-style wholesaler after taking a trip to France.

Source: "Service Management: The New Paradigm in Retailing"



Brotman told CNN in 2009 that he ended up cold-calling Sinegal, and the two hit it off.

Source: CNN



Sinegal was a retail executive who'd previously worked under the businessman Sol Price at a warehouse club called FedMart.

Source: "Service Management: The New Paradigm in Retailing"



Price had founded his own chain, Price Club, on July 12, 1976, in San Diego. Price Club exclusively offered memberships to small-business owners.

Source: Costco



Sinegal and Brotman later told CNN that they planned to essentially "clone Price Club" when they launched the first-ever Costco in Seattle in 1983.

Source: Costco



Years later, Price Club and Costco merged to become the Costco we all know and love today.

Source: Microsoft



But the first warehouse bearing the Costco name kicked off its grand opening with a business show on September 15, 1983.



Back when it first opened its doors, Costco offered business owners memberships for a $25 annual fee.



Meanwhile, "Group Gold" Costco members could shell out $30 a year to gain access to the warehouse chain.



Sinegal told the Motley Fool that the chain's first 100,000-square-foot warehouse was a "pretty simple facility" that lacked "many of the enhancements that we've added to the business since then."

Source: Motley Fool



In 2009, he also told CNN that the "crowds weren't overwhelming" at first, but "business built up" gradually. Sinegal served as Costco's CEO from 1983 until his retirement in 2011.

Source: CNN



Costco's low-priced, bulk-size offerings ended up catching on with shoppers.

Source: CNN



Less than a year after it was founded, Costco began to expand across the Pacific Northwest ...

Source: Costco



... launching stores in Portland and Spokane in 1983.

Source: Costco



Sinegal explained the chain's rapid expansion to the Los Angeles Times in 1985, saying, "We are working to get established in certain markets, to preempt those markets."

Source: The Los Angeles Times



The emergence of Sam's Club, Walmart's answer to the influx of members-only warehouse clubs, also spurred further expansion.

Source: Sam's Club



"When Walmart announced it was going into the discount warehouse business, we had to compete and grow quickly," Brotman told CNN in 2009.

Source: CNN



"That's why we expanded as fast as we did," the Costco cofounder said.

Source: The Los Angeles Times



By the end of 1984, 200,000 Americans had become Costco members.

Source: Costco



That same year, The Associated Press dubbed both Price Club and Costco as "key players" in the wholesale-retail game.

Source: Newspapers.com



Costco filed for an IPO on December 5, 1985, according to the company's website. Price Club had already gone public back in 1980.

Source: Costco



Investopedia calculated that anyone who bought 100 shares of Costco — at $10 a pop — would have made $138,768 by December 1, 2018.

Source: Investopedia



Just three years after opening its doors, Costco was a $1 billion company, Sinegal told CNN.

Source: CNN



At that point, the chain boasted "17 locations, 1.3 million members, and 3,740 employees," according to Costco's website.

Source: Costco



Costco and Price Club merged in 1993. Initially, the new company went by PriceCostco, ultimately switching to the name Costco Companies Inc. in 1997.

Source: Costco



A former employee who started at Price Club in 1984 and stayed with the company for 20 years told Business Insider that initially after the merger, there was a slight divide between "red" Costco warehouses and "blue" Price Club warehouses.



"When I was a corporate auditor for the company, the first thing the folks at the warehouse would ask me is, 'Are you red or blue?'" he said.



But he added that employees eventually got on the same page. "It wasn't really a bad thing," the former employee said. "Price Club had evolved into a different animal, and Costco really took us back to bare bones."

Are you a current or former Costco employee with a story to share? Email acain@businessinsider.com.



American Airlines will pay $90 million to sponsor the massive, $5 billion Los Angeles stadium the Rams and Chargers will call home — take a look inside

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In 2020, the Los Angeles Rams and Los Angeles Chargers will share a stadium in Inglewood, California.

The LA Stadium, which will house both teams, is a massive, sprawling $5 billion project that will host year-round sports and entertainment events. It's also slated to host the opening and closing ceremonies for the 2028 Olympics.

In August, the stadium landed its first official sponsor: American Airlines. The company will sponsor the American Airlines Plaza, which will serve as a two-level, 2.5-acre entrance to the stadium. According to a report by Bloomberg, the airline will pay $90 million over 10 years to sponsor the stadium.

Renderings of the arena show a sleek, state-of-the-art, open-air building, with plenty of restaurants and bars, community spaces, and the in-vogue "halo" scoreboard the Atlanta Falcons brought to the NFL.

Keep reading for a look at the renderings.

SEE ALSO: Former NFL quarterback Joe Montana's California estate is on the market at a 41% price cut — and it comes with an equestrian facility and a shooting range. Here's a look inside.

DON'T MISS: A massive California ranch that may be the biggest piece of land for sale in the state is on the market for $72 million — here's a look inside

The entire complex sprawls over 298 acres just outside of LA.

Source: The New York Times



The complex will include retail and residential space.

Source: Chargers



The space is pretty scenic.

Source: HKS Architects/Chargers



The outdoor area certainly has an LA-vibe.

Source: HKS Architects/Chargers



In August, the stadium landed American Airlines as its first official sponsor.

Source: Los Angeles Chargers



At a cost of $90 million over 10 years, American Airlines will sponsor the American Airlines Plaza, which will serve as a two-level, 2.5-acre entrance to the stadium.

Source: Bloomberg



There are some airy community spaces.

Source: HKS Architects/Chargers



The venue itself is bright and offers good views even from the nosebleeds.

Source: HKS Architects/Chargers



Here's a look at the "halo" scoreboard ...

Source: HKS Architects/Chargers



... the mid-field view ...

Source: HKS Architects/Chargers



... and the end zone view. The open-air sections at the end zones might allow for some nice breezes on the field.

Source: HKS Architects/Chargers



The open concourses are a nice touch.

Source: HKS Architects/Chargers



The suites are pretty standard.

Source: HKS Architects/Chargers



There are over 13,000 premium seats available, and some clubs come with sleek-looking spaces.

Source: Chargers



There are three different tiers of premium seats and they come with some varying benefits.

Source: Chargers



There will be community spaces for people to gather ...

Source: HKS Architects/Chargers



... and an array of dining options.

Source: HKS Architects/Chargers



There are even trendy-looking bars!

Source: HKS Architects/Chargers



Now check out a similar modern-looking arena the Milwaukee Bucks built...

Check out the Milwaukee Bucks' chic, new $524 million arena>



How to add additional accounts on your Instagram app, and switch between them

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FILE PHOTO: Silhouettes of mobile users are seen next to a screen projection of Instagram logo in this picture illustration taken March 28, 2018.  REUTERS/Dado Ruvic/Illustration

  • Instagram lets you add additional accounts from the Settings menu within the mobile app.    
  • You can create and switch between up to five Instagram accounts in the app, though you will need a unique email address for each one.
  • To switch between accounts, tap your account name atop the profile page and choose the account you want to use. 
  • Visit Business Insider's homepage for more stories.

Instagram understands that its users often need to manage multiple identities — it's common for people to run both personal and business accounts, for example. 

That's why Instagram makes it easy not just to switch between accounts within its iPhone and Android apps, but also to create additional accounts from within the app as well. 

You can create and switch among up to five Instagram accounts. The only requirement is that you need to use a different email account for each one. 

Check out the products mentioned in this article:

iPhone Xs (From $999.99 at Best Buy)

Google Pixel 3 (From $799.99 at Best Buy)

How to add an account on Instagram

1. Start the Instagram app on your iPhone or Android device.

2. Go to your profile page by tapping the account button in the bottom-right corner of the screen.

3. Tap the three horizontal lines (the hamburger menu) in the top-right, and then tap "Settings" in the menu that opens. 

1 HOW TO TURN ON INSTAGRAM NOTIFICATIONS

4. Tap "Add Account."

5. Tap "Sign Up" at the bottom of the sign-in page. 

6. Type the username you want to use for this new account and tap "Next."

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7. Since you already have an existing Instagram account, you now have two options:

  • You can automatically log in using an existing account. This is convenient, but if you choose this option, anyone with access to the first account can automatically get access to this new one as well. 
  • You can tap "Add password instead" to create a new and unique password for the account. This is less convenient, but it's more secure, because the account won't be automatically connected to any other accounts.  

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8. Tap "Complete Sign Up." On the following pages, you'll have the option to connect to Facebook and find contacts on Instagram. You can skip these steps if you prefer. 

9. Complete the setup by adding a profile photo.

How to switch Instagram accounts

Once you've created additional Instagram accounts, you can switch among them with just a tap. Be careful, though — once you have more than one account in the app, it's easy to accidentally post using the wrong identity if you're not paying attention.  

There are two ways to switch accounts:

  • Tap the account button at the bottom right of the screen to go to your profile page, and then tap the name of your account at the top of the page. You'll see a drop-down menu with all your accounts listed. Tap the one you want to use.
  • Tap and hold the account button at the bottom right of the screen. After a moment, you'll see a drop-down menu with all your accounts listed. Tap the one you want to use.

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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 »

NOW WATCH: Why Apple's Mac Pro 'trash can' was a colossal failure

This $34 cleansing balm turns the dirt, grime, and makeup on my face into an oily soup that feels so good to wipe off

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  • Farmacy's Green Clean Makeup Removing Cleansing Balm ($34) melts away grime and makeup without stripping the skin or disrupting its natural moisture barrier.
  • A little bit goes a long way, and it leaves my combination skin feeling soft, clean, and evenly hydrated. 
  • Farmacy also uses locally grown and produced ingredients, and comes in sustainable packaging.  You can order it from Amazon, Sephora, and Farmacy.

After a day of New York City grime — the puffs of exhaust, the drips of untraceable moisture — has piled up on top of my skin and my makeup has dried into a plaster cast, there is no greater gift I give myself than melting it all off my face with a cleansing balm.

Recently, I've been using Farmacy's Green Clean Makeup Removing Cleansing Balm ($34) to turn my makeup into one satisfying, oily soup upon contact.

If you're new to Farmacy, the company is a familiar face in clean beauty and "farm-to-face" products. Everything is paraben-, synthetic fragrance-, phthalate-, mineral oil-, and cruelty-free — and it goes a step further by using locally grown and locally produced ingredients in its formulas. All its products even come in packages made with FSC-certified paper and naturally renewable inks.

How the cleansing balm works

The cleansing balm specifically is an Allure Best of Beauty winner (class of '17), and for good reason. Sunflower and ginger root oils gently bind to and remove the makeup, oil, and dirt without stripping my skin of moisture or disrupting its natural barrier, and papain (a natural enzyme found in papaya) gently exfoliates skin. An added bonus is that the mix of essential oils (lime, bergamot, and orange) smell pretty incredible while they work.

Even the texture of the balm is satisfying. Kind of like a mint-green sorbet that chips away like shale, it builds up in thin layers on the spatula. Left too long on your fingertips, it starts transforming from a balm into an oil. It's also not a liquid, so it's easy to travel with — and you're not wasting money on the water which, in most beauty products, is a useless additive.

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How to use it

To use, I scoop a bit of the balm out with the included spatula and massage it into my skin with circular motions. I go over areas like my eye makeup a couple of times to gently loosen all of the mascara, and then I add warm water. On contact with water, the balm turns into an oil that lifts and binds with the day's grime so I can wash it away. Then, I swipe a muslin cloth (similar to these) across my face to dry it and catch any lingering balm. 

After using, my skin feels super soft, clean but not tight, and well moisturized. Even though I have finicky combination skin, my complexion always looks and feels evenly hydrated after using it.  

How much it costs and how long it'll last

A 3.2-ounce bottle costs $34. Spending that much on any skin-care item isn't ideal, but Farmacy's Cleansing Balm will last you a while. Expect to get at least a few months of daily use out of your bottle, and know that a little goes a long way.

While I still think Beautycounter's Cleansing Balm is technically a better experience overall (no discomfort if it gets in your eyes, more uses) it's a really slim margin of favor — and Farmacy's is the superior value. It's less than half the price of Beautycounter's option, and you get 3.2 fluid ounces rather than 2.5 fluid ounces. 

Bottom line

All in all, Farmacy's Green Clean Makeup Removing Cleansing Balm is the best of all worlds: feel-good ingredients, sustainable packaging, an affordable price, and efficacy. It works well, is extremely satisfying to use, and will also last a good while. If you're in the market for a gentle and effective cleanser, I highly recommend checking this out. 

Farmacy Green Clean Makeup Removing Cleansing Balm, $34, available at Sephora, Farmacy, and Amazon

Join the conversation about this story »

How to set 'take a break' reminders when watching videos on the YouTube mobile app

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  • To make sure you're not spending too much time on YouTube, you can set take a break reminders on the app, which will pop up and pause your videos after the interval of your choosing.
  • You can set take a break reminders on YouTube to occur as often as every five minutes or as infrequently as once daily.
  • Visit Business Insider's homepage for more stories.

True story: In doing research for this article, I inadvertently watched old Seinfeld clips on YouTube for about 10 minutes before I snapped back to attention and realized I was in the middle of the workday. 

YouTube is an amazing platform with more content than you could enjoy in a lifetime, but if you're not careful, you'll spend too much of said lifetime watching videos.

To save yourself from your own YouTube addiction, it's a good idea to set regular break reminders, something the evidently self-aware YouTube app makes it easy to do. 

Here's how to do it via the YouTube app on your iPhone or Android.

Check out the products mentioned in this article:

iPhone Xs (From $999.99 at Best Buy)

Google Pixel 3 (From $799.99 at Best Buy)

How to set take a break reminders on YouTube

1. From the YouTube app home screen, tap your icon at the top right corner of the screen.

2. Tap the word "Settings" on the menu that pops up.

IMG_5073

3. Tap the toggle beside the words "Remind me to take a break."

IMG_5074

4. Scroll to the hour and minute frequency you wish, then tap "OK."

IMG_5075.PNG

When the break reminder pops up, it will pause the video that's playing. You can dismiss it and get back to the video, or you can close YouTube and get back to your life. 

And note that you can also get to the break reminder by clicking "Time watched" on the Account menu (instead of clicking Settings in step two above) – in fact, after seeing how much time you have spent on the site, you just might want to do so.

Related coverage from How To Do Everything: Tech:

SEE ALSO: The best iPhone accessories from cases to lightning cables

Join the conversation about this story »

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The family who received creepy letters about their 'young blood' and 'mysterious deaths' after buying a $1.4 million house just sold it at a $440,000 loss — and they never even moved in

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watcher house new jersey

In an affluent New Jersey town, a couple sold their $1.4 million dream home at a roughly $440,640 loss after five years — and they never even lived in it, Bloomberg reported.

That's because, shortly after buying it, the couple started receiving increasingly creepy letters from someone who called themselves "The Watcher."

The house, now popularly known as "The Watcher" house, is in Westfield, a New Jersey town about 30 miles southwest of New York City. The town's median household income is $159,923

Maria and Derek Broaddus paid $1.4 million for the home in 2014, The Cut reported. Shortly thereafter, the threatening letters started showing up in the mailbox of the home, which they were renovating while they continued to live at their old house.

In November 2018, Reeves Wiedeman of The Cut published an in-depth investigation into the unsolved case. As Wiedeman reported, the letters were sent by someone who claimed to have been a sort of guardian of the Westfield house for years.

 

 

watcher house new jersey

The first letter started by welcoming the Broadduses to the neighborhood. As The Cut reported, the letter read: "657 Boulevard has been the subject of my family for decades now and as it approaches its 110th birthday, I have been put in charge of watching and waiting for its second coming. My grandfather watched the house in the 1920s and my father watched in the 1960s. It is now my time. Do you know the history of the house? Do you know what lies within the walls of 657 Boulevard? Why are you here? I will find out."

The letters often referred to the couple's three children and included detailed observations of the family's renovation activities, as well as the time they had spent at the new house. 

The family said one of the letters they received read: "Do you need to fill the house with the young blood I requested? Once I know their names I will call to them and draw them too (sic) me."

In another letter, the writer once again mentioned "young blood" in an apparent reference to the Broadduses' children.

"Will the young blood play in the basement?" the letter read. "Or are they too afraid to go down there alone. I would [be] very afraid if I were them. It is far away from the rest of the house. If you were upstairs you would never hear them scream."

The case was investigated by Westfield police and the Union County prosecutor's office, but no one has been charged.

Six months after the first letter, the Broadduses put the house on the market, listing it for more than what they paid for it to account for the renovations they'd made. But rumors were swirling about a potential stalker, and they didn't find a buyer even after lowering the price.

A year after the Broadduses bought the house, they filed a legal complaint against the previous owners, the Woods, claiming they had received a letter from "the Watcher" and failed to disclose it.

The Woods said in a court filing that they received only one anonymous note days before the Broadduses closed on the house, but the Woods denied that the note was "disturbing or claimed an ownership right to the home," according to The Associated Press. The lawsuit was dismissed in 2017.

The Broadduses tried unsuccessfully to have the house torn down, after which they received a letter from "The Watcher" threatening revenge, according to The Cut:

"Maybe a car accident. Maybe a fire. Maybe something as simple as a mild illness that never seems to go away but makes you fell sick day after day after day after day after day. Maybe the mysterious death of a pet. Loved ones suddenly die. Planes and cars and bicycles crash. Bones break."

The family ended up renting the house out in hopes that they could sell it after a few years.

In addition to the $440,640 loss on the home they never lived in, the Broaddus family had spent thousands on renovations, security, and private investigators.

Read the full investigation by The Cut »

SEE ALSO: The salary you need to earn to buy a home right now in the 25 biggest US cities

DON'T MISS: A ‘legendary’ estate that was once the largest private residence in Los Angeles is back on the market with a $65 million price chop. Here’s a look inside the luxury home that was previously owned by Sonny and Cher and neighbors the Playboy Mansion.

Join the conversation about this story »

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7 women try Universal Standard's new size-inclusive line of jeans that goes from 00 to 40 — here's the verdict

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  • Universal Standard is a size-inclusive clothing brand that's making high-quality, stylish basics for women of all shapes and sizes. 
  • One of the brand's latest collections, Denim by (US) boasts a wide range of comfortable, cute jeans in sizes 00-40. 
  • A group of women at Business Insider had the opportunity to try the jeans for ourselves. Our size pool only ran up to a 16 because that's who responded to our open call for volunteer testers at Insider Inc., but we're confident our positive experience will apply for sizes across the board.
  • You can find what we thought about the new line below, or get straight to shopping the collection here

For many women, shopping with friends is just a fun way to spend an afternoon. For Alexandra Waldman and Polina Veksler, it was one of these department store excursions that turned the friends into cofounders of a fashion brand that's championing inclusivity like you've never seen it before. 

When shopping, Waldman couldn't fashionable, high-quality clothing in her size. "I wanted to wear what was available to smaller women, and there was nothing like that on the market," she tells Business Insider. With recent data showing the average American woman is between size 16 to 18, the lack of stylish options in larger sizes signifies a huge hole in the market. Someone had to start filling the gap, so Waldman and Veksler got right to it. 

Universal Standard is leveling the playing field by offering high-quality wardrobe staples for all women, with sizes ranging from 00-40. Over the past four years, the brand has been providing shoppers with the modern, high-quality, beautiful basics they deserve. Just a few months ago, they released a new collection, what Waldman says is the "holy grail item" of most wardrobes.

If you're thinking denim, you're right. 

There's nothing like slipping on a pair of jeans that fits perfectly. "It's classic and the wardrobe equivalent of a comfort zone," Waldman says. Denim by (US) is the brand's attempt at making great jeans that all women can feel good wearing — and after trying them ourselves, we think they did a pretty great job. 

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This collection is the largest size run of denim in the world, servicing women sizes 00-40, in regular, tall, and petite lengths. And, each size was created with all women — not just fit models in mind. Universal Standard even released a new "See it in My Size" feature, that lets you see the pants worn on real women in any size across the entire collection. All of the jeans are made with a comfy high-stretch fabric, come in a range of washes and styles, and cost $90. 

We were lucky enough to get to try the jeans. A group of seven women, spanning a range of sizes (though admittedly limited in nature since participants only included volunteers from around Insider Inc.), tried out different styles and washes to put this size-inclusive denim to the test. Though we recognize our review doesn't encompass the entire size spectrum of the line, we're confident that our positive experience with sizes up to a 16 will translate for everyone.

You can find our in-depth reviews below, but if you just want the spoiler, we were generally impressed with how comfortable, stylish, and flattering the jeans were across the board. 

Shop the $90 Denim by (US) collection here or keep reading for our reviews below.

Connie Chen, Insider Picks reporter: Seine High Rise Skinny Jeans in Distressed Blue

Universal Standard's denim is the rare breed that I can say with 100% confidence I'll be comfortable in all day long. Though it's soft and stretchy with a forgiving waistband, it doesn't look the part, meaning that I can look stylish without ever compromising fit and comfort.

Sally Kaplan, Insider Picks editor: Seine High Rise Skinny Jeans in Distressed Blue

These jeans are so comfortable that I wore them on an airplane the day we took these photos. An airplane!!! Normally I'd never venture past anything more restrictive than leggings for a three-hour flight, but behold: These jeans were just as comfy as my yoga pants.

They have a serious amount of stretch, and are the only pair I have that I'm not dying to take off by the end of the day. They also come in petites, which is a godsend for someone who's 5-foot-1.5-inches (can't forget that half inch!). I usually wear a size 8 or 10, and I opted for a 10 in these, which probably wasn't the right call. There's so much stretch that you can comfortably size down if you're between sizes.



Mara Leighton, Insider Picks reporter: Sava High Rise Flare Jeans in Black

I'm typically a committed high-rise skinny jean wearer, but I opted for the more adventurous Sava High Rise in black this time around. Universal Standard, with its comfy, flattering denim, was a good choice to go out of the box with — especially with its helpful "see it in your size" tool.

In person, the jeans are pretty beautiful, and they're comfortable enough for all-day wear, traveling, and the odd lunge. The flare isn't so drastic that it looks costume-y, and the silhouette is fitted though the hip, waist, and thigh in a way that kept me from being swallowed by the style. All in all, couldn't be happier!

My one note is that the 78% cotton fabric may pick up more fuzz than a really stiff denim. This is also what makes them so comfortable so, if you're okay with the little inconvenience, just plan to have a lint roller on hand for the black pair.

Remi Rosmarin, Insider Picks reporter: Sava High Rise Flare Jeans in Dark Indigo

I typically stick to stiff denim, usually in skinny or straight-leg styles. But, I've been seeing the retro flare jeans everywhere, and with no need for any more skinny jeans, I decided to give the Sava High Rise a try. 

These are probably the most comfortable jeans I've ever slipped on, especially considering that they're high rise. They're surprising sturdy and stretchy, so they have the look of a really nice pair of jeans but the stretch of a yoga pant. That may sound extreme, but we were all able to bend, twist, and squat in these, comfortably. I found the legs to run a little long, but a pair of booties quickly remedied that issue. I love this versatile style — it's fun for a Friday night, but professional enough for a Tuesday meeting. 



Megan Foster, Insider Picks intern: Logan High Rise 5 Pocket Vintage in Distressed Grey

I tried out the Logan High-Rise 5-Pocket Vintage jeans, which looked drastically different than any other pair I owned. I have a more traditional style and have veered away from the "distressed" look, but I was surprised to see that this grey pair was still professional enough to wear to work. They were stretchy but looked like your typical pair of jeans — unlike some leggings that resemble cotton more than denim.

So far, I've recommended this company to my mom, my best friend, my roommate, and the girl on the subway that was talking about jeans with her friend (I wasn't eavesdropping, I swear). What I'm trying to say is that I finally found a pair of jeans other than my tried-and-true middle school brand that fit perfectly and made me feel confident.

Julia Naftulin, INSIDER reporter: Siene High Rise Skinny Jeans in Distressed Blue

As a size 12, jean shopping can be a major nightmare. Usually, the jeans will fit my thighs but be too baggy in the waist, or even if they would fit the waist, I can't pull them up past my hips. That's why denim with some stretch to it is an instant go-to for me. Universal Standard's jeans offered a super stretchy and comfortable fit — probably the most comfortable I've ever felt. It felt like I was wearing leggings all day. Although I wish they were a bit less stretchy in the belt/crotch/zipper area (the fit felt a bit loose there), they were otherwise a great fit and probably the only pair of jeans I'd consider wearing on an airplane.

The front pockets were huge which I was not expecting, but could be a major plus for someone who loves keeping things in pockets. I thought they could've been a bit smaller but that's just personal preference.



Carly Danner, INSIDER fellow: Seine High Rise Skinny in Black

Lately, I have become somewhat of a denim snob. In the past three months, I have gone from one pair of jeans in my closet to seven pairs. I love a good pair of high-waisted mom jeans and find them to be the most flattering. But after reading about Universal Standard, I felt comfortable branching out from my usual denim preferences.

I opted for the Seine high-rise skinny jeans, despite not having a pair of skinny jeans in my closet since the early days of college. At first touch, they felt like a typical pair of jeggings: stretchy, thin, and likely not durable. But after slipping them on, I was pleasantly surprised.

For a pair of skinny jeans, these hugged my body in all the right places. I am extremely self-conscious about my love handles and thighs, but these jeans were surprisingly flattering. Also, I like how these jeans made my butt look.



How to change your Instagram username or display name, on the mobile app or a computer

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Instagram

  • Instagram identifies you in two ways — using your display name and username. You can change either of these names at any time.
  • To change your Instagram names, go to your profile page on the web, or in a mobile app, and choose to edit your profile. 
  • You can change your display name to anything, but the username needs to be unique. Instagram will warn you if it's already in use.     
  • Visit Business Insider's homepage for more stories.

Many social media platforms don't let you change your username once the account is set up, since it's a basic identifying element of the account. 

That's why it's a little surprising that Instagram lets you change it at any time. You can change both your display name and username, either from the iPhone or Android mobile apps, or your computer in a web browser. 

Keep in mind that while you can change your display name to anything — it doesn't need to be unique — your username is different. 

Your username can't already be in use by someone else, and Instagram will alert you if your desired username isn't available. You won't be able to save your changes until you choose a unique username.  

Check out the products mentioned in this article:

iPhone Xs (From $999.99 at Best Buy)

Google Pixel 3 (From $799.99 at Best Buy)

How to change your Instagram name in the app

1. Start the Instagram app.

2. Tap your account icon in the bottom right of the screen to go to your profile page. 

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3. If you have more than one account configured in the app, tap the account name at the top of the screen and choose the account you want to change.

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4. Tap "Edit Profile."

5. On the Edit Profile page, tap the field next to Name or Username and type your changes. When you're ready to save your changes, tap "Done."

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How to change your Instagram name in a web browser

1. In a web browser, navigate to Instagram.com

2. Click the account icon at the top right of the screen.

3. Click "Edit Profile."

4. Click in the Name or Username field and type your changes. When you're ready to save your changes, click "Submit."

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

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This $269 office chair has made me more productive at work — here's why I recommend it

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Eureka Ergonomic High Back Executive Mesh Swivel Office Computer Desk Chair

  • A high-quality office chair is comfortable to sit in through long workdays, can be adjusted in several ways to fit your body, and is durable enough to handle years of abuse.
  • I like the Eureka Ergonomic High-Back Mesh Office Chair because its sturdy frame can support up to 275 pounds, the seat tilts 120 degrees, and I don't start to get antsy or sore during marathon writing sessions.
  • Though it's in the middle of the pack price-wise ($269 on Newegg), the Eureka Ergonomic Office Chair is built to last and is backed by a three-year limited warranty.

A good office chair can have a major impact on your productivity. If the chair isn't right for your body, it can distract you from your work and force you to get up often. Plus, your body may feel sore and spent after a long workday. 

When you're spending eight or more hours per day in a chair, you want it to be comfortable and supportive above all else. In my experience, the Eureka Ergonomic High-Back Mesh Office Chair gets the job done. 

Based in Texas, Eureka Ergonomic specializes in gaming desks, standing desks, and sit-to-stand converters. I had the opportunity to try out the company's High-Back Mesh Office Chair recently and was impressed by its balance of comfort and durable construction. Below are the specifics of my experience with this chair.

Specs

There are several ways to adjust the Eureka Ergonomic High-Back Mesh Office Chair to fit your body. The U-shaped headrest is height adjustable, the seat back tilts, and you can adjust the height of the seat. Since the precise dimensions of a chair will determine if it's a good fit for you, here are some key measurements:

  • The arm height is approximately 10 inches above the seat.
  • The seat height adjusts from 16 inches to 20 inches above the floor.
  • The seat depth is about 19 inches.
  • From arm to arm, the seat width is 21 inches.
  • The seat back extends approximately 22 inches above the seat.
  • The top of the headrest adjusts from 5 inches to 7 inches above the seat back.
  • The overall dimensions of the chair are 27.5 inches wide and deep by 45.7 inches high.
  • The chair is heavy-duty, weighing in at a little more than 50 pounds.

The seat, seat back, and headrest are made of a flexible, ventilated nylon mesh attached to a plastic frame. The mesh is coated in a 3M substance designed to resist flames and protect the materials from stains and dust.

The Eureka Ergonomic Office Chair is backed by a three-year limited warranty.

Setup process

Unboxing the pieces took about 10 minutes since there was a lot of packaging to ensure the chair wasn't damaged in transport. I also had a little trouble locating the assembly directions. They're all printed on one page. Fortunately, they were straightforward and easy to follow. The directions are Ikea-like, featuring diagrams and no words

I didn't run into any hiccups putting the chair together. It comes with an Allen wrench, which is all you need. With my 5-year-old's help tightening the screws, assembly took about 20 minutes.

What makes the chair stand out

I'm not a small guy. I weigh about 245 pounds. Consequently, I have to be careful about what chairs I sit on and how I sit on them. Fortunately, the Eureka Ergonomic High-Back Mesh Office Chair is heavy-duty enough to support my frame. As I assembled the chair, I noticed the pieces had some heft to them and felt strong and durable. The chair has a 275-pound weight capacity, and at no point did I feel like the chair was straining under my burden.

I like how far the seat back tilts. It has an adjustable angle of 90 to 120 degrees. I occasionally adjust it to 120 degrees when meditating or if I just feel like taking a break and lounging a bit. I also like that it takes minimal effort to tilt the seat back. I turn the lever under the left side of the seat and adjust the seat back to where I want it, then I lock it in place.

Eureka Ergonomic High Back Chair

I appreciate that the chair is mesh because it breathes better than other materials. After a long run, I like to sit down and get some work done before I shower. Consequently, I get a lot of sweat on the chair as I cool down. Fortunately, the open construction dissipates the moisture and keeps the chair from absorbing any associated foul odors. 

As a writer, I need to be able to sit at my desk for countless hours, especially when I'm approaching a deadline. With the Eureka Ergonomic Office Chair, this isn't a problem. I don't feel fidgety. And even after marathon writing sessions, I remain comfortable and don't feel any arm or shoulder soreness, which has been a problem with other chairs I've tried.

Cons to consider

As mentioned above, all of the instructions come on one sheet. One side lists thesafety precautions. The other side has assembly diagrams. There aren't any details on what each lever does. To figure that out, I referred to the product page on Amazon. Even then, it was a bit of trial and error. 

I wish the chair was more adjustable. For instance, arm-height adjustments would be useful. Seat depth and lumbar support are also non-negotiable. Fortunately, the geometry of the chair fit my body well, and I never experienced pain during long sitting sessions.

The swivel casters are approximately 2.5 inches in diameter, which isn't large enough to easily handle low-pile carpeting. I recommend purchasing a good carpet chair mat to correct for this. On hardwood, the casters worked pretty well, though I noticed that the base would sometimes rotate continuously rather than remain stationary as I moved from one spot to another. This translates into uneven movement. Luckily, I don't need to move much while working at my desk, and the chair swivels smoothly for the effortless grabbing of nearby items.

The bottom line

Thanks to its heavy-duty construction and comfortable mesh fabric, I plan on using the Eureka Ergonomic High-Back Mesh Office Chair for years to come. It provides the support I need for long sitting sessions, and I like that I can tilt it back 120 degrees for relaxed lounging.

Should you buy it?

I've gone through a long list of sub-$100 office chairs that are rated highly but don't last. In my experience, you need to spend at least $200 to get an office chair that will last you and has enough adjustments to ensure you can customize it to your body. I think the Eureka Ergonomic Office Chair hits the right balance of affordability and adjustability. Plus, it's heavy-duty enough to support heavier individuals. For these reasons, I'd recommend buying it if you're in the market for an office chair, especially if you're a bigger person like me (6 feet tall, 245 pounds).

What are your alternatives?

Recently, I tried a couple of different chairs. My most recent chair was the Essentials Racing Style Leather Gaming Chair (currently $114.99). Assembly was easy, you can put the arms up for an armless experience, and it's comfortable enough. However, after using it for only a couple of months, I started to notice significant wear. It isn't designed to last — at least not with a big guy sitting on it.

My favorite chair is the Uplift Vert Ergonomic Office Chair. You can adjust the armrest height, seat depth, and lumbar support. However, it currently costs $90 more than the Eureka Ergonomic Chair, doesn't have a mesh seat (just mesh seat back and headrest), the weight capacity is just 250 pounds, and the nonadjustable angle of the seat seemed to be tilted forward slightly.

For even more alternatives, check out our guide to the best office chairs you can buy.

Overall, I'm a fan of the Eureka Ergonomic High-Back Mesh Office Chair. It keeps me comfortable throughout the day so I can get my work done and feel spry enough afterward to play with my sons or go for a run. 

Pros: 275-pound weight capacity, mesh seat and seat back, seat back adjusts from 90 to 120 degrees, easy to assemble, adjustable headrest, durable construction

Cons: The arms are stationary, the casters don't move easily on low-pile carpeting

Buy the Eureka Ergonomic High-Back Mesh Office Chair on Newegg for $269 (originally $299)

Join the conversation about this story »

How to hide sports scores on YouTube TV to avoid spoilers on games you've recorded

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youtube tv app

  • You can hide sports scores on YouTube TV, so if you recorded a game and want to watch it later, you don't have to worry about spoiling the outcome before you watch it. 
  • You can hide all scores for certain teams and even entire leagues – that way you can access YouTube TV's unlimited recording space for all the sports events you want to see. 
  • Visit Business Insider's homepage for more stories.

Back in the 1990s, my dad, a passionate Washington Redskins fan, would often tape games we'd miss on our trusty VCR and watch them later in the day or even the week. 

The interval between the recorded game and the viewing was a fraught time, with leaps to turn off radios when past scores were about to be announced and ears covered as nearby conversations turned to sports.

In a truly great prank, one time a friend of his used an old dot matrix printer to create a massive banner with the final score of a game written out in block lettering. He taped it over the front door, ruining the suspense but giving us all a good laugh. 

YouTube TV can't necessarily give you a moment of hilarious family lore, but it can protect you from spoilers when it comes to sports.

How to hide sports scores on YouTube TV

If you want to enjoy sports spoiler-free on YouTube TV, you can do so with just a few clicks. 

Here's how: 

1. Launch YouTube TV on your computer.

2. Search for the team whose scores you wish to keep hidden and click on it.

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3. On the team page, click on the three vertical dots at the top right corner of the window.

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4. Click "Hide all scores for this team."

For more information on how to set up and customize your YouTube TV settings, read our article, "How to set up and customize a YouTube TV subscription, to access unlimited recording space, personalize your Live TV guide, and more." 

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The number of older Americans filing for bankruptcy has surged by up to 300% in recent years — and boomers are no exception

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Baby boomers' bank accounts have seen better days.

Those aged 65 and older have more debt than previous generations, and an increasing portion are filing for bankruptcy in hopes of relieving it, reported Patti Waldmeir for The Financial Times

Tara Siegel Bernard first reported on the trend last year for The New York Times, citing a study from the Consumer Bankruptcy Project: Since 1991, the rate of people 65 and older filing for bankruptcy has tripled, she wrote. The study looked at 895 personal bankruptcy cases and questionnaires from those aged 19 to 92.

"Older Americans are more likely than ever to find themselves in bankruptcy court, seeking protection from creditors," wrote the authors of the study. "Depending on their age cohort, their rate of bankruptcy has increased between 200 and 300 percent since 1991." 

It's due to a confluence of economic factors — including delayed full Social Security benefits, an increase in out-of-pocket medical spending, a rise in pensions replaced by 401(k) savings plans, and dwindling incomes — that have off-loaded of the costs of aging onto a generation with limited resources, according to the study. 

"Seniors are living longer and paying ever higher medical costs for the privilege of staying alive; many have little or no company pension and scant personal savings to fall back on," Waldmeir wrote.

In fact, 66.5% of all bankruptcies, regardless of age, are related to medical issues, either because of expensive medical bills or time away from work, reported Lorie Konish for CNBC, citing a study by the American Journal of Public Health. That study looked at court filings for a random sample of 910 Americans who filed for personal bankruptcy between 2013 and 2016, and found that 530,000 families file for bankruptcy every year for medical issues or bills.

Read more: A growing number of Americans over age 65 are filing for bankruptcy just to get by, and it could signal a larger problem in the US

Credit card and student-loan debt are fueling the bankruptcy fire

But baby boomers also face debt pressures that weren't around for previous generations.

Both Siegel Bernard and Waldmeir cited an additional factor that baby boomers' parents didn't have to contend with: student loans. Baby boomers carry student-loan debt either for themselves or for a loan they took on for a child or grandchild.

Recent research indicates that student-loan debt is driving many bankruptcies, regardless of age or generation. A full 32% of consumers filing for Chapter 7 bankruptcy (liquidation bankruptcy) carry student-loan debt, according to a LendEDU study that analyzed 1,083 individual bankruptcy cases from Upsolve, a non-profit that helps low-income consumers file for Chapter 7 bankruptcy.

"The baby boomer attitude to debt has not turned out to be as frugal as you would think it would be, having parents who lived through the Depression," Kevin Leicht, head of the sociology department at the University of Illinois, told Waldmeir. "Partly it's because they have jobs that don't keep up with inflation and they might have to have five or six jobs to make ends meet."

The turn to bankruptcy is especially problematic considering that baby boomers are expected to live longer than previous generations and therefore need to save more money to get by in their later years.

Debt has already become a major presence in the lives of older people, like members of the silent generation, who are 74 to 95 years old today. According to Waldmeir's research, credit card debt among elders sharply increased — from 1989 to 2016, the percentage of Americans aged 75 or older in debt climbed from 5% to nearly 50%.

Read the full article at The Financial Times »

SEE ALSO: An astounding number of bankruptcies are being driven by student loan debt

DON'T MISS: Staggering medical bills are the biggest driver of personal bankruptcies in the US. Here's what you need to know if you're thinking about filing for bankruptcy.

Join the conversation about this story »

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How to change your Instagram password on desktop or mobile, or reset it if you've forgotten it

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Whether it's because you've heard about a data breach, you simply want to do a routine password change, or you've forgotten your existing one, it's easy to change your Instagram password. 

For the best security, you should use a unique password that combines upper- and lower-case letters, as well as numbers and special symbols.

Check out the products mentioned in this article:

iPhone Xs (From $999.99 at Best Buy)

Google Pixel 3 (From $799.99 at Best Buy)

How to change your Instagram password using the mobile app

1. Start the Instagram app. 

2. Tap the account icon in the lower-right corner to go to your profile page. 

3. If you have multiple Instagram accounts and want to change the password for a different account, tap the account name at the top of the screen and choose a different account. 

4. Tap the three horizontal lines (the hamburger menu) at the top right of the screen and tap "Settings."

1 HOW TO TURN ON INSTAGRAM NOTIFICATIONS

5. Tap "Security."

6. On the Security page, tap "Password."

7. Enter your current password and then type the new password you want to use. When you're done, tap "Save."

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How to change your Instagram password using the desktop website

1. Navigate to the Instagram website in a web browser. 

2. Click the account icon in the top-right of the window to go to your profile page.

3. Click the gear icon to the right of the "Edit Profile" link. 

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4. In the pop-up window, click "Change Password."

5. Enter your current password and then type the new password you want to use. When you're done, tap "Change Password."

How to reset your Instagram password if you've forgotten it

If you don't remember your password, you can easily request a password reset. 

1. In the app or website, go to the sign-in page (you might need to tap or click "Log in").

2. Click "Forgot password?" or "Get help signing in." 

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3. When requested, enter your username, email address, or phone number. 

Instagram will send you reset instructions, and you will be able to create a new password for the account. 

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The 10 must-read books of August, according to Amazon's editors

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Best Books Of August 4x3

I've recently vowed to limit the time I spent looking at my phone before bed and fill that time reading more books. I began by consuming the entire "Harry Potter" series for the first time, then switched to Pete Dexter's classic, "Deadwood." After that I hit a wall, unsure what book to pick up next. 

If you're like me and you prefer a physical book to a Kindle, it can be a surprisingly expensive extracurricular activity. To help make sure that the next book you buy is worth it, Amazon's editors choose a selection of 10 noteworthy titles in their Best Books of the Month section (most of which you can also get for the Kindle, if you prefer).

Check out this month's list of books, which include nonfiction exposés, crime-thrillers, and poignant examinations of modern culture.

Captions have been provided by Erin Kodicek, editor of books and Kindle at Amazon.

"The Outlaw Ocean" by Ian Urbina

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Three-fifths of the planet is covered by water, and that's where the illicit action is. "The Outlaw Ocean" is a catalog of just about any contemptible human activity that you could imagine, and impossible to put down.



"The Beekeeper of Aleppo" by Christy Lefteri

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Nuri, a humble beekeeper, and Afra, an artist, must flee the violence in Syria for an unknown future in Britain in a moving novel by Christy Lefteri that puts a human face on a faraway conflict. 



"The Turn of the Key" by Ruth Ware

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From the author dubbed "the Agatha Christie of our time," a menacing gothic thriller set in a "smart home" in the Scottish Highlands, where a nanny discovers that a dream gig is too good to be true. 



"The Whisper Man" by Alex North

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A boy is kidnapped and murdered in a manner that matches the modus operandi of a serial killer currently serving time. Alex North's deliciously dark thriller, "The Whisper Man," has an ending you won't expect.



"How to Be an Antiracist" by Ibram X. Kendi

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Blending ethics, history, law, and science, National Book Award-winning author Ibram Kendi's "How to Be an Antiracist" challenges the reader to take tangible steps towards creating a more equitable society.   



"Things You Save in a Fire" by Katherine Center

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Cassie Hanwell's transition from a Texas firehouse to a Boston-area one — near her ailing mother — is not a smooth one. But a certain rookie just might turn her fortunes around in Katherine Center's heartfelt new novel.



"Drive Your Plow Over The Bones of the Dead"

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In this deeply strange literary murder mystery from the Man Booker Prize-winning author of "Flights," an eccentric woman from a remote Polish village inserts herself into the investigation of a series of suspicious killings.



"gods with a little g" by Tupelo Hassman

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In this deliciously irreverent coming-of-age tale, Helen Dedleder and her misfit friends must navigate life in a deeply religious town (aptly-named Rosary, California).  



"The Ghosts of Eden Park" by Karen Abbott

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"The Ghosts of EdenPark" is the stranger-than-fiction true crime tale of the "King of the Bootleggers," a fascinating Gatsby-esque figure from the early days of Prohibition whose wife ends up in his deadly crosshairs.  



"Chances Are..." by Richard Russo

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Mining the complexities of friendship, the Pulitzer Prize-winning author of "Empire Falls" returns with an enthralling story about three men who reunite on Martha's Vineyard, and the mysterious disappearance from years prior that still haunts them.




This $60 posture corrector from 'Shark Tank' might seem gimmicky — but it actually eliminated my back pain at work

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  • The BetterBack (as seen on "Shark Tank") is a $59.99 posture corrector that has completely eliminated any back pain I usually experience while sitting at a desk. 
  • I have two slipped discs in my spine and suffer from chronic back pain. I've tried plenty of treatments and products, but this is the only one that has worked.
  • If you have any sort of back pain or posture problems from sitting at a desk all day, this product is actually worth your money. 
  • See also: 25 indispensable desk accessories we use to stay focused and comfortable at work

Take it from someone with two slipped discs in her spine — sitting at a desk all day is no walk in the park. In fact, sometimes my back is in so much pain that an actual walk in the park is no walk in the park, either. 

According to the American Chiropractic Association, half of all working Americans experience some form of back pain — including the youngest rung of the workforce. That means the "aching backs" we used to hear about from our parents now often apply to us, too.

This is often a result of the poor posture that desk jobs cause us to develop. I know for a fact that I'm not the only 26-year-old with bad posture, but there aren't quite as many people my age who also suffer from severe and chronic back pain. 

In addition to things like stretch, yoga, chiropractic treatment, physical therapy, and massage, I've tried a ton of different ergonomic chairs, quite a few back rests, seat cushions, balance balls, etc. to combat the constant stress on my back that's caused by my slipped discs and generally terrible posture. After dumping way too much money into treatments that didn't help much, I found one thing that has worked for me — a $60 product you might have seen on "Shark Tank" by the name of the BetterBack

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The BetterBack isn't particularly pretty, and yes, its name is a little gimmicky, but it is extremely effective at reducing back pain. It looks almost like a harness, with a soft pad that sits behind your back and a connected set of straps that are placed over your knees as you sit. It uses the tension from the straps to correct your posture and relieve pressure from improper spinal alignment, effectively eliminating discomfort.   

This is going to sound really dramatic, but hear me out: The Better Back has had a drastic impact on my quality of life at work. 

After attempting so many ineffective and expensive treatments and testing out so many products to help my back, I honestly never thought that I'd be able to feel "normal" again, or that I'd ever experience what it was like to have zero pain in my spine. But the first time I tried the Better Back, it completely eliminated the buzzing discomfort I was so (frustratingly) accustomed to, which was usually at its worst when sitting at my desk.

When I try to describe to people the sense of physical relief it gave me, I pretty much come up short of words. And for a writer and someone who generally just talks too much, that's an extremely rare occurrence for me. I'm talking like, angels singing in a choir from above, children throwing flowers at your feet, suddenly a whole new person type of pain relief — I hope that gives you somewhat of an idea. 

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The company suggests that you use the Better Back for about 15-30 minutes a day to help correct posture and re-train your body's sitting position — but I just tend to keep mine on all day. Plus, because it folds up neatly into a built-in zippered pouch, it can also be easily transported for use at home or on airplanes. 

You don't need to have a diagnosed spinal injury for the BetterBack to help out your discomfort. It wasn't necessarily invented to help severe spinal problems — it just happened to make an extra significant difference for me because of the intensity and persistence of my pain. But if it helped me as much as it did, I can only imagine how helpful it would be to others who experience general discomfort from misaligned posture. 

If you suffer from back pain, particularly as a result of sitting at your desk all day, I cannot recommend the BetterBack enough. 

Check out the BetterBack on Amazon for $59.99

SEE ALSO: The 32 best things we ever bought on Amazon for under $25

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3 new limited-time credit card deals just launched — get up to 100,000 United miles, free IHG hotel nights, and more

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  • Three new rewards credit card offers have launched, offering extra hotel points, airline miles, and cash back on shipping purchases.
  • Until November 6, new cardholders of the American Express® Business Gold Card can earn up to $500 back as statement credits on qualifying FedEx purchases made in the first three months.
  • The United Explorer Business Card is running an elevated offer that can get you up to 100,000 United miles. This offer is available until October 10.
  • If hotel points are more up your alley, there's the IHG Rewards Club Premier Credit Card, which just launched an elevated bonus of 125,000 points after you spend $3,000 in the first three months.

Late summer is shaping up to be a busy period for credit card offers. In addition to limited-time bonuses on Delta Amex and Hilton Amex cards, there are three new card offers that won't last forever. Two of them pertain to business credit cards, while the other offer gets you 45,000 extra IHG hotel points over the standard sign-up bonus.

American Express Business Gold Card

If your business spends a lot on shipping, now's a good time to consider this premium Amex business card. As a limited-time offer available until November 6, 2019, new cardholders can get up to $500 back in the form of statement credits when they make qualifying purchases with FedEx in the first three months.

This offer won't make sense for everyone, but if your business is going to make at least $500 in purchases with FedEx in three months anyway, this bonus is as good as $500 cash. 

The Amex Business Gold Card has a $295 annual fee — it's one step down from the Business Platinum® Card from American Express in terms of annual fee and benefits. It earns 4x points on the two categories you spend the most on each billing cycle, on up to $150,000 in combined purchases each calendar year (then 1x), with the following categories: 

  • Airfare purchased directly from airlines
  • US purchases for advertising in select media (online, TV, radio)
  • US purchases made directly from select technology providers
  • US purchases at gas stations
  • US purchases at restaurants
  • US purchases for shipping

Click here to learn more about the Amex Business Gold Card from our partner The Points Guy.

United Explorer Business Card

If you're loyal to United Airlines and can put a lot of spending on this card in your first six months, the United Explorer Business Card's new offer is worth a look — you can earn 50,000 extra miles compared to the previous sign-up bonus, for a total of up to 100,000 miles. This is a limited-time offer available until October 10, 2019.

You'll earn 50,000 miles after you spend $5,000 in the first three months, plus another 50,000 miles after $25,000 in total spending within the first six months of account opening. Spending $25,000 in the first six months isn't doable for everyone, but if your business easily logs that amount in purchases, this new offer is a great way to get rewarded for spending. 

The United Explorer Business Card has a $95 annual fee. It earns 2x miles on United purchases, and on purchases at restaurants, gas stations, and office supply stores (and 1 mile per dollar on everything else).

Click here to learn more about the United Explorer Business Card from our partner The Points Guy.

IHG Rewards Club Premier Card

This card is often overlooked but it can offer some real value in the form of a free anniversary night each year, and now's an especially good time to apply since it's offering 45,000 more points than the standard offer.

Now, you can earn 125,000 IHG points when you spend $3,000 in the first three months. Based on The Points Guy's valuations, 125,000 IHG points are worth $625.

Additionally, you'll earn 4x points on all purchases for the first 12 months, and 25x points on IHG purchases for the first 12 months. After that, you'll earn 10x points on IHG purchases, 2x points at gas stations, grocery stores, and restaurants, and 1 point per dollar on everything else.

The IHG Premier Card has an $89 annual fee. 

Click here to learn more about the IHG Rewards Club Premier Card from our partner The Points Guy.

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NOW WATCH: Jeff Bezos is worth over $160 billion — here's how the world's richest man makes and spends his money

Your Instagram Stories may not actually be disappearing after 24 hours — at least one company has been quietly saving them (FB)

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  • A marketing company has been quietly saving millions of people's Instagram Stories.
  • The revelations are a reminder that information people post on the internet may end up getting used in ways they never imagined.
  • After being alerted by Business Insider, Instagram has booted the offending company off its platform.
  • Visit Business Insider's homepage for more stories.

Your Instagram Stories might not be as temporary as you think they are.

On Wednesday, Business Insider revealed that a company you've probably never heard of has been quietly scraping millions of Instagram users' data, including saving their Stories. The revelation is a stark reminder that the things you post publicly on social networks can be misappropriated and stored by strangers indefinitely, regardless of your intentions.

So what happened? Hyp3r, a marketing firm from San Francisco, has been illicitly pulling data from the Facebook-owned app and website about its users. It has "geofenced" thousands of locations around the world — bars, restaurants, hotels, stadiums, gyms, and so on — and then systematically saved all public posts from these locations, as well as information about the people posting there. 

This even includes Instagram Stories — a format of post for images and videos that are supposed to automatically disappear after 24 hours. Instead, they were hoovered by Hyp3r and then used to assemble intimate pictures of people's movements, their habits, and the businesses they frequent.

Does this mean your Instagram Stories were affected?

It's possible. But it's important to note that only Stories that were posted from and tagged with a specific location — for example, if you took a selfie and tagged your favorite restaurant — were captured by Hyp3r. The firm zeroed in on specific locations and harvested all the Instagram Stories emanating from there, but it was not tapping into the overall firehose of Stories that get shared on Instagram. 

And of course, this only applies to Stories that were shared publicly. If your account is set to private, you don't have to worry. 

Sources told Business Insider that Hyp3r sucks up in excess of 1 million Instagram posts a month. It's not clear what proportion of those are traditional posts versus Stories.

On Thursday the Irish Data Protection Commission told Business Insider it was looking into the issue to determine whether any EU subjects were affected — a possibility that seems very likely, according to Business Insider's sources.

What do Instagram and Hyp3r say?

The data scrapping violates Instagram's policies, but Instagram didn't notice for a year (until Business Insider informed the company). Instead, it actually lauded Hyp3r as a "Facebook Marketing Partner," even as Hyp3r took advantage of a vulnerability in Instagram's systems that made accessing this data easier.

Hyp3r meanwhile, has denied wrongdoing, arguing that all the data was public and legitimately accessed, and that it believes it abides by all relevant privacy laws and social network terms of service. Instagram has disagreed, accusing Hyp3r of violating its rules, and has kicked the company off its platform and issued it with a cease and desist.

But Hyp3r is almost certainly not the only organization out there using technology to quietly scrape people's social networking activity and creating a detailed profiles of people. The fact that Instagram wasn't able to detect and prevent this kind of automated scrapping is an embarrassing failing on its part.

In short, the revelations highlight how Instagram and Facebook are still struggling to protect users' data, more than a year after it was rocked by the Cambridge Analytica scandal. And it demonstrates that posts people make with the understanding they are ephemeral may, unbeknownst to them, be quietly collected by companies and put to uses that they never imagined.

Got a tip? Contact this reporter via encrypted messaging app Signal at +1 (650) 636-6268 using a non-work phone, email at rprice@businessinsider.com, Telegram or WeChat at robaeprice, or Twitter DM at @robaeprice. (PR pitches by email only, please.) You can also contact Business Insider securely via SecureDrop.

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8 popular summer albums and singles Prime Members can stream for free on Prime Music right now

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  • Amazon has two streaming options: Prime Music and Music Unlimited. While Music Unlimited costs $7.99 a month for Prime members (and just $0.99 for Prime Student members right now), Prime Music is totally free with your Prime subscription.
  • Prime Music is a cool benefit of having an Amazon Prime membership, but if you love music, it's probably not enough to sustain your listening habits. With a catalog of just over two million songs, compared to Music Unlimited's 50 million, Prime Music has many holes. 
  • However, Prime Music has a surprisingly solid selection of new releases right now, something I wasn't expecting to see. From highly anticipated albums to defining songs of the summer, here are eight cool music releases you can stream on Prime Music right now.

Recently, I — a self-proclaimed Spotify loyalist — gave Amazon's music streaming services a try.

I found that Amazon's Music Unlimited, the premium, $7.99-per-month subscription tier of Amazon's music offerings, rivaled Spotify with its large catalog of songs and affordable price. Prime Music, on the other hand, paled in comparison, which makes sense given that it's the free version. 

Well, not technically free — Prime Music is included with your Amazon Prime membership, so you're still paying for it in some way (and in case you don't have a membership yet, you can sign up for a 30-day free trial— after that it'll cost you $12.99 a month).

Amazon Prime has a plethora of benefits, but access to Prime Music is an often-overlooked perk. The song selection is definitely lean, but considering you can access it at no extra cost, it's not too bad. In fact, I recently visited the Prime Music landing page and was surprised by the range of new music available. 

I had assumed the rush of new albums and singles summer always brings would only be available on Amazon Music Unlimited, but surprisingly, you can find many of this season's latest drops on Prime Music

Here are some of the best new releases you can listen to Prime Music right now:

"The Big Day" by Chance the Rapper

Listen to "The Big Day" on Prime Music

Buy the album on Amazon for $8.99

You can find all 22 tracks from Chance the Rapper's newest album on Prime Music. "The Big Day" is his debut studio album, a tribute to his relationship with wife Kirsten Corley that's loaded with guest features from artists like John Legend, Nicki Minaj, and even Chance the Rapper's own mom.



"Old Town Road (Remix)" by Lil Nas X featuring Billy Ray Cyrus

Listen to "Old Town Road (Remix)" on Prime Music

Buy the song for $1.29

Country-trap son "Old Town Road" may have started out on TikTok, but it's since taken the internet by storm and is quickly becoming the unofficial song of the summer. The chart-topper has spent 18 weeks as number one on the Billboard Hot 100, breaking the previously held records for most time in the ruling spot. 



"The Lion King Soundtrack" by Various Artists

Listen to "The Lion King Soundtrack" on Prime Music

Buy the album on Amazon for $8.99

The long-awaited revamp of the Disney classic just made its theater debut, with a star-studded cast and soundtrack. Listen to Beyoncé, Donald Glover, Billy Eichner, Seth Rogen, and others belt out your favorite tunes from the film. 

 

 



"Tim" by Avicii

Listen to "Tim" on Prime Music

Buy the album on Amazon for $9.49

Before he passed in 2018, DJ-producer Avicii was working on completing a new album. After his passing, his collaborators worked together to bring the album to fruition. You can't listen to the whole posthumous album on Prime Music, but you can stream two of the most popular songs, "Heaven" and "SOS," the latter of which features Aloe Blacc. 



"Juice" by Lizzo

Listen to "Juice" on Prime Music

Buy the whole album on Amazon for $7.99

Unfortunately, you can't listen to all of Lizzo's "Cuz I Love You" on Prime Music. But, you can listen to "Juice" on repeat for hours, which is more than enough. 



"No. 6 Collaborations Project" by Ed Sheeran

Listen to "No. 6 Collaborations Project" on Prime Music

Buy the album for $11.49

Ed Sheeran's latest release is, as the name suggests, made up of collaborations with big name features. Justin Bieber, Nicki Minaj, Travis Scott, and Khalid are just some of the talented additions. You can only find four of the songs on Prime Music, but you can listen to the whole album on Music Unlimited



"Money In The Grave" by Drake featuring Rick Ross

Listen to "Money In The Grave" on Prime Music

Buy the song on Amazon for $1.29

Drake's "In My Feelings" was the undeniable Summer 2018 anthem. This summer Drake released a new single featuring Rick Ross that's quickly inching its way up the charts.



"How Do You Sleep" by Sam Smith

Listen to "How Do You Sleep" on Prime Music

Buy the single on Amazon for $1.29

While the lyrics may be about heartbreak, Sam Smith's rhythmic single sounds like its made to be danced to. In his music video, Smith shows off his own dance skills, and people are quickly taking to learning the moves themselves. 

 



Farmacy's daily mineral sunscreen is my everyday face sunscreen — it's safe, non-greasy, and has never caused a breakout

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  • After searching for an affordable, safe, everyday face sunscreen for months, I've settled on Farmacy's cult-favorite Green Defense ($36)
  • It's SPF 30, a mineral formula, hails from a farm-to-face skin-care brand, and protects my skin from sun damage and environmental aggressors.
  • According to dermatologists, mineral sunscreen (rather than chemical sunscreen) is a better option for people with acne-prone skin. And, unlike most face sunscreens I've tried, this didn't result in clogged pores and breakouts. 

As a pale, freckled 20-something raised in long-sleeve sun shirts and bucket hats, I inherited the preoccupation with sun damage that my parents' generation cultivated out of penance for a bygone time when "nobody knew how bad the sun was."

Aside from this conditioning, a combination of personal sunburns and dermatologist visits scared me straight. While the jury may still be out on how best to get vitamin D, the American Academy of Dermatology takes a zero-tolerance stance on sun exposure. And if you spliced every dermatologist visit I've had together, it would be one long movie montage of people saying to wear sunscreen every single day — even when there are clouds. 

I heeded their advice. To avoid the pitfalls of incremental sun exposure (skin cancer, wrinkles, age spots, a blotchy complexion, and loose skin), I adopted a good mineral body sunscreen. But it took me much longer to find an everyday face sunscreen that checked all the boxes: lightweight, affordable, okay under makeup, a mineral formula, and nothing that caused acne. 

Why Farmacy's Green Defense SPF 30 is great

After a summer of testing various options, I've committed to Farmacy's Green Defense Daily Mineral Sunscreen ($36). It's a broad-spectrum SPF 30 mineral sunscreen that's non-greasy, easy to layer under makeup, is designated as "clean," and has never caused my acne-prone skin to break out — despite daily applications.

If you're concerned about reports that chemicals in sunscreen seep into your bloodstream, mineral formulas are a good alternative. Most mineral sunscreens, including this one, use a combination of Titanium dioxide and zinc oxide that sit on the skin's surface to block harmful UV rays. Farmacy pairs that with natural antioxidants (marigold and black chokeberry extracts) that help defend the skin against pollution and the blue light emitted by devices like smartphones and computers.

I apply a small amount of Green Defense in the morning after my moisturizer has sunk into my skin, and shortly after (the company recommends 15 minutes), I head out the door. If I decide to wear makeup, I layer it on top of this sunscreen. On its own or layered underneath tinted moisturizer or foundation, it's surprisingly good at blending in; it doesn't make me look greasy or shiny, leaves no white cast, and my makeup doesn't slide around.

Ideally, this would not cost $36 — but, it's a pretty standard price for most mineral sunscreens that aren't drugstore options, and it will easily last me months of regular daily use. 

The one con I would note is that, with a mineral sunscreen, even a lightweight formula will leave some film on top of your skin — it has to since its key ingredients form a protective layer like a mask. What I like about Green Defense is that it's a forgettable layer. I don't notice it until I start rubbing my skin. However, it does make me look forward to washing my face at the end of the day. 

Bottom line

All in all, if you're looking for a lightweight, non-greasy mineral sunscreen that won't clog your pores and can be worn under makeup, I highly recommend checking this one out. 

Farmacy Green Defense SPF 30 Daily Mineral Sunscreen, $36, available at Farmacy and Sephora

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