Quantcast
Channel: Business Insider
Viewing all 116840 articles
Browse latest View live

Columbia has launched a Mickey Mouse-themed collection of technical clothing for adults and kids — here's how to style the pieces as streetwear

$
0
0

columbia x disney

Columbia has teamed up with Disney for Star Wars and Frozen-themed collections in the past, but its latest collaboration is with the most famous character in the world, Mickey Mouse. 

Geared towards the outdoors, the Columbia x Disney Mickey Mouse Collection includes rain jackets, packable anoraks, technical hoodies and T-shirts, pants, hats, and more. Priced between $30 and $200, each item in the collection includes a graphic of Mickey Mouse in camping/hiking gear, which is a first in the history of Disney clothing collaborations. 

Columbia x Disney

Availability and sizing 

Unlike most collaborations, the Columbia x Disney Mickey Mouse Collection was made to be readily available for an extended period of time, which is great for super fans. You can collect multiple pieces of gear without worrying about it selling out immediately.

The kids' items come in sizes XXS through XL and the adult items come in sizes XXS through XXL, so people of almost all sizes will find something that fits them. 

columbia x disney

How I wore the gear

Here I am wearing the Unisex Disney Shredder Hat ($35), Disney Tech Trail Energy Popover ($85), Disney Santa Ana Anorak ($90), Disney Santa Ana Wind Pant ($80), and a pair of Black/Red Air Jordan 11s.

The Santa Ana pieces are subtle (you'll find a small hiking Mickey Mouse logo on the left shoulder of the jacket and above the right back pocket), so I went with the all-over print hoodie underneath, which features graphics inspired by animation paper. You'll see the different stages of drawing Mickey Mouse. 

columbia x disney

Although I went for a street-casual look with sneakers while wearing it in the city, you can absolutely wear the Columbia x Disney Mickey Mouse Collection with the right shoes and hit the backcountry.

If you're looking for Columbia footwear to complement the collection, I recommend the SH/FT OutDry Sneaker Boot or the SH/FT OutDry Mid. They're warm, waterproof, and rugged, yet stylish enough to wear off the hiking trails and campgrounds.

columbia x disney 0056

The bottom line

Disney has collaborated with countless brands on Mickey Mouse-themed products over the years, but Columbia's is one of the best collections in recent history. It's not super exclusive (and expensive) like the recent Gucci collaboration and it's not overdone to the point where you can only sensibly wear it at a Disney amusement park.

The Columbia x Disney Mickey Mouse Collection comes in a wide range of styles and sizes for all kinds of people, and that's the way it should be. After all, Mickey Mouse is loved by people of all ages.

Whether you're a fan of Mickey Mouse, an outdoorsy person looking for quality gear that's fun and stylish, or you're into Chinese Zodiacs (2020 is The Year of the Rat), you'll find something you like in this collection. 

Shop the Columbia x Disney Mickey Mouse Collection here

Join the conversation about this story »


Inside the small, coastal Canadian community that's abuzz over Harry and Meghan's possible move there

$
0
0

FILE - In this Tuesday, July 10, 2018 file photo Britain's Queen Elizabeth II, and Meghan the Duchess of Sussex and Prince Harry watch a flypast of Royal Air Force aircraft pass over Buckingham Palace in London. As part of a surprise announcement distancing themselves from the British royal family, Prince Harry and his wife Meghan declared they will “work to become financially independent” _ a move that has not been clearly spelled out and could be fraught with obstacles. (AP Photo/Matt Dunham, File)

Towns on the southern end of Vancouver Island on Canada's west coast are abuzz with interest over the possibility that Britain's Prince Harry and his wife, Meghan, will become semi-permanent residents there.



In early January the Duke and Duchess of Sussex sparked an uproar on both sides of the Atlantic Ocean when they said that they would be stepping back from their senior roles in the British royal family.



Queen Elizabeth released a personal statement days after Harry and Meghan's announcement, in which she shared her support for their decision and confirmed that the couple would be splitting their time between Canada and the UK.



According to media reports, Prince Harry, Meghan, and their son, Archie, have since traveled to the Saanich Peninsula, a part of Vancouver Island just north of British Columbia's capital, Victoria, an area where the family took a six-week vacation at the end of 2019.



Canadians have had mixed reactions around the Royals' potential relocation to their country.



Canada's largest newspaper, The Globe and Mail, published an opinion piece saying that the couple are not welcome to stay permanently and that their relocation would break "an unspoken constitutional taboo" should Harry's royalty status disrupt Canada's unique monarchy.

Source: Business Insider



A former royal bodyguard raised further concerns regarding security for the couple, saying that their required private security detail would be expensive.

Source: Business Insider



But some North Saanich locals say they're simply intrigued by the idea and wish the couple the best.



"I wouldn't call myself a (royal) follower until they come into town, and then, of course, it piques our interest," Joan Wilson, a resident of Sidney, on the Saanich Peninsula, said.



Towns on the peninsula, which have long been popular with retirees thanks to its laid-back pace of life and proximity to the British Columbia mainland, mostly have fewer than 20,000 residents and are filled with ocean-themed gift shops and fish-and-chip huts.



The couple have captured residents' fascination since their vacation in the area, which has "a really interesting mix of very wealthy people and middle-class people," said North Saanich resident Beth Doman. "There's a lot of hidden mansions, so we were all trying to figure out where they were staying."



Despite the curiosity, some locals say they are determined to give them privacy, with many residents declining to speak to reporters on the record.



"The last thing they want is mobs of people coming around and taking their picture," said Ron Buschgens, owner of Lolly Gobble Sweet Shop in Sidney. "That would start to settle down as people got used to the idea of them being here."



"Harry's mother died because of all the attention that was on her and it was very tragic," Sidney resident Lynn Salituro said, referring to the late Princess Diana. "I'm sure they just want to break away and have a safe haven and somewhere they can live a normal life."

Reporting by Chad Hipolito in North Saanich, British Columbia; Additional reporting by David Albright in North Saanich; Writing by Moira Warburton; Editing by Peter Cooney.

Our Royal Insider Facebook group is the best place for up-to-date news and announcements about the British royal family, direct from Insider's royal reporters. Join here.



The best affordable TVs

$
0
0
  • Flagship TV models can get very expensive, but there are many affordable TV options out there with solid picture quality and great smart features for budget-friendly prices. 
  • With a fantastic balance between price, performance, and size, the TCL 55-inch 5 Series 4K Roku TV is our top pick for the best affordable TV you can buy.

TV pricing has come down a lot over the past few years. Gone are the days when buying a 4K TV meant having to shell out thousands of dollars.

These days, you can get a good 4K TV with basic HDR support for only a few hundred dollars. You can even find big-screen options in sizes as large as 65 inches without totally breaking the bank.

Of course, there are always some performance trade-offs to consider when buying a TV on a budget. A true home theater movie-watching experience still comes at a premium, but choosing an entry-level TV doesn't mean you have to settle for awful picture quality, a tiny screen, or a dumb display without the latest smart features.

I've been covering the consumer electronics industry for seven years, and during that time I've demoed and reviewed numerous TV models at a variety of price points. After testing and researching all the latest TVs on the market, we've selected the best display models you can buy on a budget.     

Here are the best affordable TVs you can buy:

Updated on 1/21/2020: Added TCL 55-inch 5 Series, Vizio 50-inch M-Series Quantum, and Sharp 40-inch LC-40LB601u. Updated copy for the TCL 4 Series and LG UM7300. Christian de Looper contributed to this guide.

SEE ALSO: The best HDMI cables you can buy

The best affordable 4K TV overall

TCL's 55-inch 5 Series 4K Roku TV balances image performance, smart connectivity, screen size, and cost better than any other display in this price range.

If you're looking for a 55-inch 4K TV at an affordable price, then the TCL 5 Series is your best option overall. With solid picture quality, a screen size suitable for most rooms, and integrated support for Roku's simple and convenient smart TV system, this display hits the right sweet spot between features and cost.  

The 5 Series uses a 4K resolution panel with HDR10 and Dolby Vision support. That latter feature is missing from a lot of other TVs in this class, and it can provide better contrast when watching Dolby Vision titles on 4K Blu-ray discs and streaming services like Netflix.

Another premium picture quality feature that the 5 Series offers but many other budget TVs lack, is expanded color support. This enables the TV to produce more realistic colors when watching HDR videos. You won't get quite as wide a color gamut as you would on a TV with quantum-dot technology, like the Vizio M-Series Quantum, but the 5 Series still offers a nice upgrade over a standard 4K TV.

Powered by Roku's easy-to-use interface, the 5 Series also offers access to a fantastic assortment of streaming apps, including popular services like Netflix, Disney Plus, Apple TV Plus, Amazon Prime Video, and HBO Now. The Roku platform is fairly snappy and responsive as well, so you shouldn't run into any annoying lag when navigating menus. The 5 Series does not include a voice remote like some more expensive TVs, but the standard Roku remote gets the job done for basic controls.

Finally, when it comes to connectivity, you'll get four HDMI 2.0 inputs, along with a USB port, optical audio out, analog audio out, composite in, an Ethernet port, and Wi-Fi support — making it easy to connect media players, soundbars, and other devices.

Simply put, the 5 Series has everything that a modern 55-inch 4K TV in this price range should have — and then some. 

Pros: 4K HDR10 and Dolby Vision support, Roku smart TV system, great price

Cons: Doesn't include a voice remote, doesn't use quantum dots



The best affordable 4K TV for HDR

With local dimming and wide color support, Vizio's M-Series Quantum offers some of the best HDR performance you can get on a budget 50-inch TV.

Buying a TV on a budget typically means you have to miss out on a lot of the advanced picture quality features found on more expensive sets, but Vizio's 50-inch M-Series Quantum TV manages to pack in high-end technologies like local dimming and quantum dots while still maintaining a very affordable price.

When it comes to image performance, the M-Series Quantum is one of the most affordable TVs on the market to include quantum dot technology. This feature is missing from most competing budget TVs and it helps the display produce a very wide color gamut for more realistic and intense images when playing HDR10 and Dolby Vision videos. 

You'll also get 16 zones of local dimming, which is another great picture quality feature missing from most budget displays. Local dimming allows the display to dim and brighten in specific parts of the screen, enabling bright parts of the picture to appear bright while dark parts remain nice and inky. More expensive TVs have hundreds of zones, but for this price, the M-Series Quantum offers very solid home theater performance.

Vizio's SmartCast system doesn't offer as many on-screen apps as other smart TV platforms like Roku's, but you can still access many popular services such as Netflix and Amazon. The TV also includes Chromecast built-in and Apple AirPlay support, so you stream even more apps to the display from a mobile device.

Due to its advanced picture performance, the M-Series Quantum can get pricey at bigger screen sizes, but the 50-inch model is very affordable. Of course, you can find other TV models at this size for less money, but if you're an enthusiast on a budget, features like quantum dots and local dimming are worth paying a bit more for.

Pros: 4K panel with HDR10 and Dolby Vision, local dimming for superior contrast, quantum dots for wide color support

Cons: Pricier than other budget models at this size, Vizio's smart TV system isn't the best    



The best for wide viewing angles

The LG 49-inch 4K 49UM7300PUA TV boasts a 4K resolution IPS screen for wide viewing angles — plus, it has Google Assistant and Alexa built-in.

Voice assistants are a great feature to have on a display, and with the LG 4K 49UM7300PUA TV, you can choose between Alexa or Google Assistant. This model measures 49-inches, but if you can stretch your budget, there are 55-inch and 65-inch sizes, too. For a lower price, there's a 43-inch model, but we think the 49-inch size offers the best value.

Like many of LG's other TVs, this one supports apps like Netflix, Hulu, and many more streaming services. Perhaps even better is the fact that it comes with Google Assistant and Alexa built-in, so you can use your voice to change the channel, control volume, and control other connected devices — just pick the voice assistant you use the most.

On the back of the TV, you'll find a range of ports, including three HDMI ports, two USB ports, and more. The TV also supports basic HDR10 playback and features a 4K resolution screen. Unlike many TVs from other manufacturers, however, this LG model actually uses an IPS LCD panel rather than a VA LCD panel. This means that the TV's colors won't wash out or distort as much when you sit off to the side of the display, making it a great fit for buyers who can't position their couch right in the center of the TV.

On the downside, TVs with IPS panels like this one have worse black levels and contrast than other displays. So, while great for wide viewing angles, this TV doesn't have very good home theater performance in a dark room.

Pros: Smart operating system, Google Assistant and Amazon Alexa built-in, 4K, HDR10, IPS panel for wide viewing angles

Cons: Black levels and contrast aren't great



The best with a big screen

The TCL 65-Inch 4 Series 4K Roku TV has a huge screen, 4K resolution, and Roku's excellent smart TV platform.

TCL is well-known for its great lineup of affordable TVs, and the company's competitive pricing even extends to many of its bigger screen models. In fact, the TCL 4 Series Roku TV offers one of the best values you can find for a 65-inch display. It's big, it's 4K, it supports HDR, and it uses Roku's simple and convenient smart TV system.

One of the best things about the TV is that it features the Roku streaming platform, so you'll get easy access to a range of apps, like Netflix, Hulu, Disney Plus, HBO Now, and more. In our testing, we found that Roku works great, though the included remote isn't the best for accessing more complex TV features and it doesn't include voice search capabilities. It still works well under normal use, though.

Around the back of the TV, you'll find three HDMI ports, a USB 2.0 port, an Ethernet port, video composite, and an optical audio output. That should be everything you need for the vast majority of situations.

The image quality on this TV is also solid for its price, but not incredible. You get a 4K resolution LCD panel with basic HDR10 support. Brightness and contrast can't compete with more expensive TVs, though. Unlike the TCL 5 Series, the 4 Series does not support Dolby Vision or a wide color gamut. If you want those features on a budget, you'll have to go for the 5 Series or Vizio's M-Series Quantum in a smaller screen size.

For buyers who really want an affordable 65-inch 4K TV, however, there really isn't anything better than the TCL 4 Series at this price.

Pros: Huge display, 4K resolution, HDR10 support, Roku TV system, excellent value for money

Cons: Image quality is only average, remote is a little basic



The best TV under $200

It lacks 4K resolution and other advanced features, but the Sharp LC-40LB601U is one of the cheapest 40-inch Roku TVs you can buy.

Sharp's LC-40LB601U is about as basic as a smart TV can be. It's the smallest display on this list, you get a 1080p resolution screen rather than 4K, and there's no HDR support — but when it comes to pure value, the TV is still a worthy option for budget buyers.  

This modest 40-inch TV features a Full HD panel. While you'll have to look elsewhere if you want to watch 4K HDR movies, the reality is, most cable/satellite and streaming content are still presented in SDR high definition. With that in mind, this 1080p screen should actually be a good fit for most casual viewing needs. Overall image performance isn't as good as it would be on the more expensive TVs on this list, but at a screen size of 40 inches, it would actually be hard to see any benefits from an upgrade to 4K.

Three HDMI inputs are included, along with a USB port, optical audio out, composite video, and Wi-Fi connectivity. While the included remote does not feature voice control, you can pair the TV with a separate Amazon Alexa or Google Assistant device.

At the end of the day, this clearly isn't a TV meant for buyers concerned about advanced picture quality or new display technologies. Instead, the LC-40LB601U is meant to appeal to buyers who just want a simple and reliable 40-inch smart TV with easy access to all their favorite streaming services. In that context, the LC-40LB601U offers a lot of value.

Pros: Very affordable, Roku TV platform with easy access to streaming apps

Cons: Not 4K, no HDR or wide color support, no voice remote, smaller screen size           



Bernie Sanders has a $150 billion plan to turn the internet into a public utility with low prices and fast speeds — here's how his plan works

$
0
0

Bernie Sanders, November 2019

  • Democratic presidential candidate Sen. Bernie Sanders has a $150 billion, four-point plan that would fundamentally transform how the internet works in the United States.
  • The plan would effectively turn the internet into a publicly-provided utility, similar to how water and power are distributed.
  • The broadest goal of the proposal is to provide every American with access to affordable high-speed internet. "High-speed internet service must be treated as the new electricity," the proposal says, "a public utility that everyone deserves as a basic human right."
  • Here's how Bernie thinks it can be done.
  • Visit Business Insider's homepage for more stories.

Democratic presidential candidate Sen. Bernie Sanders unveiled a sweeping $150 billion proposal that would fundamentally reshape how the internet works in the United States.

The plan, dubbed "High-Speed Internet for All," would effectively turn the internet into a public utility along the lines of water and power. "High-speed internet service must be treated as the new electricity," the proposal says, "a public utility that everyone deserves as a basic human right."

To that end, the $150 billion would go to creating "publicly owned and democratically controlled, co-operative, or open access broadband networks." 

Here's how it works:

SEE ALSO: Photos capture how Bernie Sanders went from being a working-class kid in Brooklyn to a top 2020 Democratic presidential candidate

1. Requiring internet service providers like Verizon and Comcast to offer "a Basic Internet Plan that provides quality broadband speeds at an affordable price."

The core of Sanders' high-speed internet plan is to provide internet for everyone in an affordable way.

Its primary method for doing that: FCC regulation.

"The FCC will review prices and regulate rates where necessary, ensuring areas without competition aren't able to run up prices," the plan says. "We will also require providers to offer a basic plan for a regulated rate to all customers, ensuring everyone will be able to affordably connect to the internet."

The "providers" in question are massive media conglomerates like Verizon, Comcast, and Charter. "Bernie will regulate these providers like a utility," it says.

The proposal includes further subsidies for people who qualify for government assistance programs like SNAP, Medicaid, and TANF, and it proposes free broadband in all public housing.



2. Redefining "minimum broadband speeds" so that 100mbps down/10mbps up is the floor.

Calling for "high-speed broadband" doesn't mean much if your definition of "fast" internet is stuck in the past. The current FCC minimum to be considered broadband is 25 Mbps down/3 Mbps up. 

It works, and it gets the job done well enough, but it's a slouch compared to many other parts of the world. Under this proposal, the FCC would increase its minimum to 100 Mbps down/10 Mbps up. 

It's a little detail that makes a big difference in the broader plan, as it guarantees a base level of internet speed.



3. Breaking up companies that offer internet service and provide content — like Comcast and Verizon.

Over the past several decades, the telecommunications industry has consolidated into a few major players who provide internet access, and those companies have, in turn, merged with major media companies. The resulting giants will sell you the internet and cable service you use and provide the content that runs on those services. 

Under the Sanders proposal, these conglomerates would be broken apart.

Rather than the FCC, the proposal says Sanders would use "existing antitrust authority" to dismantle "internet service provider and cable monopolies." Moreover, he would "bar service providers from also providing content." 

Comcast, which owns NBC, would likely have to unwind that purchase. AT&T, which owns WarnerMedia (HBO, Turner, Warner Bros.), would likely have to unwind that purchase.



4. Providing $150 billion to create "publicly owned and democratically controlled, co-operative, or open access broadband networks."

While enforcing regulations on major internet service providers, the proposal includes a major expenditure: $150 billion to create "the necessary resilient, modern infrastructure" for high-speed broadband that's widely available and affordable.

The money is part of the broader Green New Deal initiative, and is intended for "municipalities and/or states to build publicly owned and democratically controlled, co-operative, or open access broadband networks."

One major condition is included: Grants from the funding must go "toward creating good-paying union jobs," and come with rigorous standards.



5. Ending data caps and speed throttling.

Another notable detail in the proposal: Putting an end to data caps and speed throttling.

As people stream more content and download larger, higher-definition movies, TV shows, and games, they use more data. Just as that amount has increased, some internet service providers have begun placing caps on users — 200 GB per month, for example. If you go over your cap, there's a chance you'll get slapped with a charge.

In some cases, your provider may even "throttle" your service speed in an attempt to dissuade use. The proposal from the Sanders campaign explicitly calls for the elimination of both practices.



9 startling facts that show just how hard the student-debt crisis is hurting black Americans

$
0
0

college graduate worried surprised

People across the country are sacrificing gas and healthcare to pay off the record $1.5 trillion student loan debt— and black borrowers in particular are hurting the most.

Black students are not only more likely to need to take on debt for school, graduates are also nearly five times as likely to default on their loans than their white peers.

The racial gap between black and white student borrowers has prompted presidential hopefuls to address the issue: Elizabeth Warren's initiative would wipe all student debt for 75% of US borrowers, and Bernie Sanders has called to would eliminate all such debt.

Here are 9 mind-blowing statistics about the student-debt crisis' impact on black borrowers as compared to white students. (The majority of data sources compared black- and white-borrower debt, which is why other racial groups were not mentioned directly.)

SEE ALSO: Women earn 60% of bachelor's degrees, but leave college with $2,700 more student debt than men

DON'T MISS: College is more expensive than it's ever been, and the 5 reasons why suggest it's only going to get worse

1. 86.6% of black students borrow federal loans to attend four-year colleges, compared to 59.9% of white students.

Of the black students who graduated in 2003, one in two defaulted on their student loans sometime within the following 12 years, according to data from the National Center for Education Statistics as analyzed by Student Loan Hero.

In comparison, the rates of default for white student was at 21.5%, and 36.1% for Latino students.



2. Even well-off black students carry more student-loan debt.

Beth Akers, fellow at the Brookings Institution's Center on Children and Families, told Martha C. White of NBC News that black students don't benefit as much from their parents' wealth as white students do.

Well-off black families have a lower average net worth than white families, and they hold their wealth differently — mostly in homeownership as opposed to financial assets like stocks that are easy to access, White reported.



3. An average black graduate has $7,400 more in student debt than his or her white peer.

Black students with bachelor's degrees owe $7,400 more student debt on average upon graduation than white grads, according to Brookings.

The gap widens over time: after four years, black grads hold almost twice as much in student debt as their white counterparts at $53,000.

Brookings analyzed restricted-use data from the Department of Education's Baccalaureate and Beyond surveys, as well as Department of Education and Census Bureau data.



4. Black student-loan borrowers default on their loans at five times the rate of white graduates.

Though just six out of every 100 BA holders default on their loans, black borrowers are much more likely to default: 21% of them default on their loans compared to just 4% of white grads, according to Brookings. Furthermore, black graduates with a bachelor's degree are even slightly more likely to default — or don't make a payment for 270 consecutive days — than white college dropouts.

Brookings does not attribute the racial disparity to just lower levels of parent education or family income. Instead, they point to higher for-profit graduate-school enrollment and lower earnings post-grad.



5. Graduates of historically black colleges and universities (HBCUs) take on 32% more debt than their peers at other colleges.

A Wall Street Journal analysis of Education Department data found that not only do alumni at HBCUs take on 32% more debt than graduates at other public or nonprofit four-year schools, the majority of graduates haven't paid any debt in the first few years out of school.

While HBCUs make up just 5% of four-year American colleges, they make up "50% of the 100 schools with the lowest three-year student-loan repayment rates," the Journal found. The discrepancy could be because black families already have less wealth compared to other racial groups.

HBCUs are typically more affordable than other institutions, according to Student Loan Hero. Spelman College, the most expensive HBCU as of January 2019, costs $28,181 in tuition, several thousand dollars less than the national average of $32,410 for private four-year colleges.

 



6. Eliminating student-loan debt would narrow the racial wealth gap for young families.

The Roosevelt Institute, a liberal think tank based in New York, found that white households headed by people between the ages of 25 and 40 have 12 times the amount of wealth on average than black households.

By eliminating student debt — as presidential candidates Elizabeth Warren and Bernie Sanders have proposed to do in some capacity — the ratio shrinks to just five times the amount of wealth.

Even after canceling debt, however, the racial wealth gap will remain high: the median wealth in young white households would total $52,700, compared to $10,010 for their black peers.



7. White borrowers pay down their education debt at a rate of 10% a year, compared with 4% for black borrowers.

That's according to a study by Jason Houle and Fenaba Addo in SAGE journals. They found that racial inequalities in student debt contribute to the black-white wealth gap in early adulthood, which increases over time.

After adjusting for family background and postsecondary characteristics, black youth reported 85.8% more debt than their white peers when starting their careers, according to the authors. This disparity grows by 6.7% annually, they said.



8. Black graduates earn less money out of college, making it harder to pay off their loans.

Black college graduates ages 21 to 24 earn $3.34 less per hour than their white peers, reported Jillian Berman for MarketWatch, citing an analysis by the left-leaning Economic Policy Institute. That contributes to a $7,000 annual difference.

The data found the workers held similar qualifications and experience levels.



9. Black students are more likely to borrow more to go to graduate school.

The Center for American Progress, a liberal think tank, released a report in January that found black students are more likely to borrow more money to attend graduate school than their white peers. As a result, the median debt for black graduate students is 50% higher than for their white peers.

Black graduate students' federal loans are, on average, $25,000 higher than white graduate school grads, the report found.

"The current system has had particularly pernicious effects on Black and Latinx students, as well as women, who are seeking a better life for themselves and their families," Ben Miller, vice president for postsecondary education at the Center for American Progress, wrote in the report. "It is time for the federal government to make sure that the tens of billions of dollars in graduate student loans it provides each year really are making lives better."



The Beverly Hills estate that Jennifer Aniston and Brad Pitt spent 3 years renovating before their divorce is for sale for $44.5 million. Look inside the 12,000-square-foot home.

$
0
0

jen brad beverly hills house

The former Los Angeles home of Jennifer Aniston and Brad Pitt is asking $44.5 million, The Los Angeles Times reported.

It was first listed in May 2019 for $49 million and got a $4.5 million price cut in October 2019.

The current owner is Jonathan Brooks, a hedge fund executive who founded Smithwood Partners. Brooks bought the home from the actors in 2006 after their divorce, according to The Journal.

Aniston and Pitt bought the 12,000-square-foot California house for $13.1 million in 2001 from entertainment attorney Ken Ziffren and spent three years renovating it, adding features including heated marble floors in the kitchen and a pub room with wood floors imported from a 200-year-old French castle.

The home, described by the Journal as a "French Normandy Revival property," has four bedrooms and comes with a swimming pool, ample outdoor space, and a championship tennis court. It's listed by Susan Smith of Hilton & Hyland.

Here's a look inside the $44.5 million home.

SEE ALSO: Brad Pitt and Jennifer Aniston had an adorable backstage moment after winning at the SAG Awards, and people can't stop talking about it

DON'T MISS: A Los Angeles mansion once listed for $250 million has finally sold for 62% off after 3 years. Take a look inside what was once America's most expensive home.

A 12,000-square-foot Los Angeles estate that was once the home of the actors Jennifer Aniston and Brad Pitt is for sale for $44.5 million.

Originally listed in May for $49 million, the home got a $4.5 million price cut in October 2019.

The current owner is a hedge fund executive who bought the home from the actor couple in 2006.



The house is in Beverly Hills, one of Los Angeles' most upscale neighborhoods.

The area, beloved by celebrities, is about 11 miles from downtown and 13 miles from Los Angeles International Airport.



Aniston and Pitt bought the California house for $13.1 million in 2001 from entertainment attorney Ken Ziffren.

They sold it to Jonathan Brooks, a founder of Smithwood Partners, in 2006 after their divorce.



The four-bedroom house was built in the 1930s, designed by the architect Wallace Neff for Fredric March and his wife, Florence Eldridge, both actors.

Source: Curbed LA



Aniston and Pitt, who owned the home from 2001 to 2006, spent three years remodeling it and lived there for less than two years.

Source: Wall Street Journal



They added a screening room, as well as heated marble floors in the kitchen.

Source: Wall Street Journal



They also created a pub room with wood floors brought in from a 200-year-old château in France.

Source: Wall Street Journal



A marble fireplace anchors the dining room, which can seat 20 people.

Source: Wall Street Journal



The spacious great room features floor-to-ceiling windows ...



... and opens directly to the backyard pool area.



Like many Southern California homes, this one was clearly designed to merge indoor and outdoor living.



The French Normandy Revival-style home, which sits on 1.2 acres, includes a spacious outdoor area for dining and entertaining.

Source: Wall Street Journal



The pool area includes shaded lounge chairs and privacy hedges.



Brooks added a championship tennis court to the property after buying it from Aniston and Pitt.

Source: Wall Street Journal



The $44.5 million price tag may seem extravagant, but it's in line with other homes in the neighborhood.

According to The Journal, a neighboring home that once belonged to Danny DeVito sold in 2019 for about $66 million.



6 ways to make your relationships with employees the best they can be — and your business more profitable

$
0
0

Stuart Cohen

  • Stuart Cohen is the owner of Invisible World, an apparel company that began as a small store in Juneau, Alaska in 1985; he's also the author of four novels.
  • He writes that any entrepreneur has to rely on others — and having good working relationships can make both your work life and business better.
  • You should be clear about employee expectations and deal with issues that arise face to face.
  • Know when you're wrong, and learn how to apologize; if you have to fire someone, do it with grace.
  • Visit Business Insider's homepage for more stories.

You're the typical entrepreneur: You have a vision, you know how to get there, and you know that you can do every part of your business better than anyone else.  

Except that you can't.

After enough 60-to-80-hour weeks you realize that you're going to have to depend on others to keep your business growing. Your relationship with your employees (or online contractors) — like your relationship with your suppliers — will determine not only whether your business grows and prospers, but also how much you enjoy your working life. 

Here are some tips that will prevent those awkward moments when you show up at a dinner party and a person you fired is sitting across the table. (Yes, this has happened to us.)

SEE ALSO: My mother suggested I pursue a career in a field I initially resisted. Turns out, she was right.

Be clear in your expectations

One of the worst things you can do is give an employee (or online contractor) an ill-defined task and send them off. That drama always ends up with you venting that they did the wrong thing — while they seethe in frustration at your hazy guidelines. This erodes relationships and destroys initiative.  

Show respect for your coworkers by taking the time to think through the task and outline both it and the follow-up clearly in written form. Let them know when they may need to check in with you. Spending 20 to 30 minutes making things clear is the key to helping your employee succeed.



Talk face to face about sensitive issues

Some issues have to be grappled with face to face. That list includes money, mistakes, poor performance, or interpersonal problems between employees. Those issues tend to fester — and can be downright explosive if handled poorly. Never deal with them by email, text, or even telephone. 

Make an appointment to discuss it in person, possibly away from the workplace. Do it after the person's work day is over, never before or during; that way they have a chance to take a night to think it over before having to face colleagues or customers. Never call someone out in front of other employees. Don't complain about one employee to another. After things are resolved, write down the resolution and provide a copy to the employee.

Two short rules: Never let anyone "text" in sick. Never send an angry email or leave a snippy sticky note. 



Learn to apologize

This falls under the general heading of "be a real human being." People want and deserve to be treated as equals, even if you pay their salary. When you are criticized, listen thoughtfully. When you are wrong, apologize, even if no one has taken you to task for it. Don't ask for favors unless you are clearly offering to compensate them, and, even then, ask rarely.



Be a compassionate judge

Problems between employees are inevitable, and if you don't have an HR department with a 60-page handbook, you are going to be the person who has to sort them out. Always be discreet, and try to deal with things in a general way first.

For example, if one employee complained that another employee was barging in on the sales floor, our first step would be to take some time at an employee meeting to go over the rules of honoring other people's sales. If the problem persisted, we would talk to the offending salesperson privately about how to behave on the sales floor. If we continued to receive complaints, we would deal with it more specifically, but we rarely have employees confront each other unless it is about deeper interpersonal issues that only they can work out.

According to research by LeadershipIQ, only 23% of employees said that their employers "respond constructively" when they share their work problems. Employees who said their employers always respond constructively were 12 times more likely to label their company as a great employer and fantastic company to work for. In other words, responding constructively to employee feedback and criticism can increase employee satisfaction.



Fire gracefully

Sometimes things just don't work out and you have to let people go. While never pleasant, I always think of firing as setting an employee free to do something they're good at. Fire in private. Be kind, be clear, be honest. Don't fire by email or text: It's disrespectful and cowardly.



Be interested in people

People are fascinating and should be a source of joy and support, including when they are business associates or employees. Whenever I hire a contractor in another country, I google their town and walk the streets, just so that I can imagine what it looks like and how their life is. People want to be recognized as more than a cog in your success machine.  

Finally, don't forget to praise. As Ken Blanchard put it in "The One-Minute Manager," "catch them doing something right." Show your appreciation of their intelligence and conscientiousness and they will reward you with more of it.

If you manage these relationships well, you will end up with a more profitable business and — equally important — friendships that will make your life better. And even if you run into someone you have fired, you may find you still have many other things to talk about.



Millennials are destigmatizing 2 topics their parents viewed as taboo — and it says a lot about the world they've grown up in

$
0
0

millennials

Money and mental health: Two topics that can be kinda, sorta uncomfortable to discuss.

But that's not the case for many millennials. While their parents may have been more closed off about discussing these taboos, the younger generation is helping to destigmatize them. Whether it's salary, debt, depression, or anxiety, millennials are much more likely to share it all.

Why? Millennials are struggling with both money and mental health: They have less of the former, and more issues with the latter than previous generations did.

And they realize that to do something about it, they need to talk about it.

Millennials are more willing to share salary and student debt details

Millennials are more likely to discuss their finances with friends, siblings, and coworkers than their parents were, according to a survey by Insider and Morning Consult.

"It's a generation that's much more comfortable turning to others for help and their perspective on things," eMoney Advisor CEO O'Brien told The New York Post. And it makes total sense, considering millennials' financial status relative to the rest of the world.

The generation is shouldering massive amounts of student debt and still playing financial catch up from the recession. Couple that with rising living costs that are surpassing income increases (the latter has only grown by $29 for young adults since 1974) and you've got a bad recipe for building wealth. It explains why several studies show that millennials hold less wealth than previous generations did at their age.

millennials

But millennials realize they can get ahead by talking about their financial situations with others. They turn to their friends and coworkers to discuss salary so they can ensure they're getting paid enough. They share their struggles with student debt with the world so others are aware of its weight. They want to hear about how their peers were able to afford to buy a house so that they can put this advice in action for themselves.

Look no further for proof of this than the increasing number of voyeuristic shows and content series taking on the topic of finance, from Refinery29's Money Diaries to the Ashton Kutcher-produced "Going From Broke," a reality TV series that tackles student debt

There's also the effect of social media: It's easier than ever to display signs of wealth, from an Instagram photo of a trip to Bali or a shot of a new car. "Given that you're already revealing all of that, I think that revealing what your salary is may not seem like a big deal," Ricardo Perez-Truglia, an assistant professor of economics at University of California Los Angeles, told Bankrate.

Millennials are addressing the decline in their mental health

Money stress has been linked to the decline in mental health among millennials.

Numerous studies have found that an increasing number of millennials are experiencing depression, anxiety, substance abuse, and burnout. A recent Blue Cross Blue Shield report found that millennials are seeing their physical and mental health decline at a faster rate than Gen X is as they age; without proper management or treatment, millennials could see a 40% uptick in mortality compared with Gen Xers of the same age.

It's a good thing, then, that the generation is addressing these issues head-on by helping to destigmatize therapy. It's why Dr. Peggy Drexler, a psychologist, dubbed millennials "the therapy generation" in an essay for The Wall Street Journal.

depressed

Millennials, she said, see therapy as a form of self-improvement. "Raised by parents who openly went to therapy themselves and who sent their children as well, today's 20- and 30-somethings turn to therapy sooner and with fewer reservations than young people did in previous eras," she wrote.

She cited a 2018 Blue Cross Blue Shield report that found the rise in depression diagnoses among those ages 18 to 34 is largely because more young adults are seeking help for mental health.

But millennials aren't just more likely to go to therapy — they're also more likely to talk about it and the issues that brought them there, whether by addressing burnout in the workplace or the medication they're taking for anxiety

Again, social media plays a role. Celebrities such as Demi Lovato and Lady Gaga, who have been open about their depression struggles, and conversations online have also helped normalize therapy, Drexler wrote. It's all inspiring more people to attend therapy.

Millennials recognize the power of transparency

Living a life online has already fostered a sense of openness for millennials. It's become second nature for the generation to share with others something as simple as a photo, which in turn makes it even easier to be open about topics that were once considered uncomfortable. For them, talking about things like money and mental health are the norm, not something that carries a stigma.

Whether they're having these conversations online or off, millennials are recognizing the power of transparency in eliciting change. Want a raise in light of a paltry increase in wages? Want to know how to pay off student debt? Want to not feel alone with depression?

The best thing you can do to change it, according to a millennial, is talk about it.

SEE ALSO: Millennials might lag behind their parents when it comes to money, but there's something they do better: talk about it

DON'T MISS: Lonely, burned out, and depressed: The state of millennials' mental health entering the 2020s

Join the conversation about this story »

NOW WATCH: Traditional Japanese swords can take over 18 months to create — here's what makes them so special


I visited Singapore, the outlandishly wealthy setting of 'Crazy Rich Asians,' and was surprised by how much fun you can have even without billions

$
0
0

Singapore

  • Singapore is known worldwide for its extravagance and wealth.
  • I visited Singapore in May expecting it to be wildly expensive and out of reach for all but wealthy travelers.
  • But I found that the city was full of cheap, delicious food, efficient public transportation, top-notch museums, a budding nightlife scene, and beautiful parks.
  • As I quickly learned, if you do as the Singaporeans do, you can easily have a blast in the city without breaking the bank. 
  • Visit Business Insider's homepage for more stories.

In recent years, Singapore has become "a one-stop shop for Asia's rich," according to The New York Times, perhaps surpassing even Switzerland as a place for the world's millionaires and billionaires to park their money.

The airport has a private-jet terminal. The city-state's best-known landmark is a $6.6 billion megahotel that looks like a floating ship. And there are facilities like Le Freeport, an ultra-secure duty- and tax-free facility for the superrich to store their stuff.

In March, Singapore was named the world's most expensive city to live in for the fifth year running by the Economist Intelligence Unit's "Worldwide Cost of Living" survey.

As a traveler not accustomed to spending a fortune on trips (exhibit A: my bungled recent trip to Mykonos), I wasn't sure what visiting Singapore would be like.

But after spending four days in the city in May, I found that my fears were unfounded. The city abounds with cheap, delicious food, efficient public transportation, top-notch museums, a budding nightlife scene, and beautiful parks. As I quickly learned, if you do as the Singaporeans do, you can easily have a blast in the city without breaking the bank.

Contrary to depictions like those found in "Crazy Rich Asians," most Singaporeans are not rolling in cash. The average salary in the city is about $42,000, according to Payscale.

Here's what it was like to visit Singapore.

Note: This article was first published in August 2018.

SEE ALSO: I've been traveling around the world for 6 months — here’s the most epic thing I did in each country

DON'T MISS: I visited the futuristic park filled with towering 'supertrees' featured in 'Crazy Rich Asians' and it looks like something straight out of science-fiction

My trip to Singapore, like most places, started at the airport. But Singapore's Changi International Airport isn't just any airport — it's considered the best in the world. Upon arriving, I found out why.

Source: Business Insider



Though the airport boasts impressive amenities like a free movie theater, a butterfly garden, a rooftop swimming pool, and 24-hour spas, it's the facility's cleanliness and efficiency that the average traveler will notice most. I really enjoyed the abundant green spaces as well.

Source: Business Insider



As I rode in a car from Grab, Singapore's main ride-hailing app, from the airport ($12), it hit me how green the city is. The streets and highways are shaded with umbrella-like rain trees, dense evergreen tembusu trees, and colorful bougainvillea from magenta to crimson.

Source: Straits Times, Singaporean government



The city has been known as the "garden city" since Lee Kuan Yew, Singapore's first prime minister, introduced the concept in 1967.

His vision was to envelop it in lush foliage to make it cleaner and more pleasant. His initiative worked. About 1.4 million trees have been planted in the past 40 years, and new buildings are routinely covered in greenery.

Source: Straits Times, Singaporean government



For my first two nights in Singapore, I got a steal at Hotel G for $77 a night. Located near the city center, the chic boutique hotel had tight, clean, well-arranged rooms.

Source: Hotel G Singapore



It was also near lots of cheap food options, which are not that hard to find in Singapore. The city is stocked with cheap, tasty food. One of my first meals there was this curry chicken from Killiney, a long-standing coffee shop in the city.

Source: Killiney Kopitiam



The hotel was right next to the Kwan Im Thong Hood Cho Temple. Singapore has a diverse population, and there are Buddhist temples like this one, Hindu temples, and mosques dotted throughout the city. I didn't actually go in, as it was a Buddhist holiday.



I did spend a few hours wandering through the Bugis Street Market, Singapore's biggest market. While it has a salacious past, today it is packed with cheap clothes, accessories, and food stalls. It's a classic market often seen in Asia: rambunctious, colorful, and rife with copyright infringement.



You experience Singapore with your mouth — perhaps more than any other place I've visited. For those in the know, the city is foodie heaven. Chinese, Indian, and Malay populations bring their unique culinary cultures to the food scene. And the best place to experience that is in Singapore's hawker centers.



Built in the 1950s and 1960s to make street food more sanitary while preserving the local food culture, hawker centers are large, open-air complexes with food stalls where many Singaporeans eat every day. There are dozens of centers across the city.



I spent an entire day visiting hawker centers and trying as many dishes as I could fit in my stomach; they rarely exceeded $10.

What makes Singaporean food so incredible is the way it transforms dishes from one culture to another. Case in point: Indian mutton noodles, which incorporates noodles from Chinese cuisine. (Traditional Indian food usually doesn't include noodles.)



While there are dozens of cooks in each hawker center, most centers specialize in particular dishes or cuisines.

At the center in Little India, I had rojak, a traditional fruit-and-vegetable salad. There are different types of rojak with Chinese, Indian, or Malay flavors, but the basic idea is that you select what you want in your salad, and depending on the items, it might be fried up or served fresh with sauces.



To give you an idea of how integral food is to Singapore's culture: When I asked a Grab driver where to eat dinner, he spent the entire 15-minute drive giving me detailed instructions for no fewer than a dozen restaurants — what to order, the best time to go, how to find the inevitably hidden restaurant or stall.



But what I loved most was how accessible it all was. Any Singaporean I met was happy to share favorites or advice, the most valuable of which was to look for the stall with the longest line. In Singapore, that means it's the best food.



As I walked through the city, I found myself stopping often to take photos of the colorful architecture. Having always thought of Singapore as a business city, I was surprised to see such distinctive architecture — but that's my ignorance. Singapore is well known for its abundance of Peranakan facades and shophouses.



Peranakan Singaporeans are the descendants of Chinese immigrants who came to the city between the 15th and 17th centuries, eventually intermarrying with the indigenous Malay people. The distinctive culture that resulted is heralded in Singapore and can be seen in the colorful architecture, elaborate clothing styles, and unique food.



One night after eating way too much during the day, I hopped on the metro, or MRT, to Chinatown. Singapore's metro blew me away. It is spotless, fast, cheap, and efficient. You can use it to get just about everywhere very quickly.



In Chinatown, I decided to do some souvenir shopping. Temple Street is the heart of the neighborhood. The shopping is nothing particularly special, but the shophouses are gorgeous, and it all makes for great photos.



And many restaurants serve chili crab, perhaps one of the most hyped Singaporean dishes, in which hefty mud crabs are cooked in sweet, savory tomato-chili sauce.

It's one of the more expensive dishes in Singapore — but even so, it's within reach. I had a very tasty plate of two crabs for $40. Obviously it can be much more expensive at the white-tablecloth restaurants.



I found better shopping the next day in Kampong Glam, a neighborhood sometimes called the Muslim Quarter because of its ties to the Muslim and Malay communities. The Masjid Sultan mosque is the gorgeous jewel at the center of the neighborhood.



While traditional businesses — like textile, carpet, and religious shops — still exist, the neighborhood is seeing more and more art galleries, clothing boutiques, cafes, and other hallmarks of global hipsterdom.



Haji Lane, a narrow street in Kampong Glam, is the focal point of the development. You can easily spend a day wandering in the funky shops, eating or drinking at the cafes, or taking photos in front of the colorful graffiti walls.



Singapore's mix-and-match food culture continues to evolve. This ice-cream dish from Moosh was a take on onde-onde, a traditional dessert of rice-cake balls filled with sugar and coated in coconut. Only serious sweet-tooths need apply.

Source: Moosh



The next morning, I headed back to Chinatown to meet Chan Hon Meng, also known as Hawker Chan, the owner and chef of Liao Fan Hong Kong Soya Sauce Chicken Rice and Noodle. In 2016, his hawker stall became the cheapest restaurant to earn a Michelin. His soya-sauce chicken rice is less than $4.

Source: The National



Later, I headed to Sentosa, a former British military base turned into an island of resorts. There, I visited Universal Studios Singapore, one of the properties of Resorts World Sentosa. It includes casinos, a water park, hotels, and the theme park.



Honestly, it was my least favorite part of Singapore. There's just nothing particularly distinctive about it for an international tourist. That said, I did appreciate that it seemed to be a place of leisure for Singaporeans. Everyone seemed to be enjoying the balmy June day, hopping on roller coasters.



After the theme park, I headed to my second hotel, which was admittedly a big step up. I was staying at Marina Bay Sands, a landmark $6.6 billion megahotel featuring a casino, a museum, a shopping mall, and incredible views of the city and bay.

Source: Marina Bay Sands



The Marina Bay Sands is iconic — most will recognize the futuristic architecture, which was designed to look like a ship floating on the three towers.



The bed in my hotel room was super comfy, as expected, but the decor was all very dated. It seemed as if it was cutting edge when it opened, but now it's kind of drab for a hotel that costs a minimum $500 a night. Honestly, I felt I got more bang for my buck in Hotel G.



The real star of the hotel is the Sands Skypark, which has the world's largest rooftop infinity pool — and it's available only for hotel guests. At 57 stories up and overlooking the Singapore skyline, it makes for quite a pool day. I spent the morning after my first night floating in the water.



The Marina Bay Sands provided a perfect view of Gardens by the Bay, the futuristic park featuring more than 1 million plants, the world's largest glass greenhouse, and a grove of 160-foot-tall "supertrees."

Source: Business Insider



In the afternoon, I headed there to see whether it lived up to the hype. Most people know about Gardens by the Bay because of the Supertree Grove: 12 tree-like structures that act as vertical gardens and range from 82 to 160 feet tall.

Source: Business Insider



But the park's real stars are the biodomes, including the 129,000-square-foot Flower Dome and the 86,000-square-foot Cloud Forest. The Flower Dome is maintained to have a semi-arid, subtropical climate and features plants from places like the Mediterranean, California, Australia, Chile, and South Africa.

Source: Business Insider



The Cloud Forest conservatory is smaller than the Flower Dome, but it may be more impressive. Its climate mimics that of mist-covered tropical highlands and contains 72,000 plants. You can walk on a skyway that encircles a 115-foot-tall "mountain" with the world's tallest indoor waterfall.

Source: Business Insider



After seeing the biodomes, I headed to the Supertree Grove. The design of the supertrees is inspired by the karri trees of Australia and the magical forest in the classic Japanese film "Princess Mononoke." I walked along a suspended walkway that provided a vertigo-inducing view of the trees.

Source: Business Insider



The "trees" are covered with 162,900 plants from 200 species on panels attached to the reddish trellises — this was my favorite view. The idea behind the trees is that the longer they are maintained, the denser the greenery will become. In 10 or 20 years, you won't be able to see any trellises.

Source: Business Insider



At night, the trees light up in coordination with music. Called the "Garden Rhapsody," the light-and-music show happens twice a night, and the music changes nightly. When I was there, the thunderous peals from popular movies like "Indiana Jones" and "Star Wars" played.

Source: Business Insider



On my last night in Singapore, I finally got a chance to check out the nightlife. Afterward, I was upset that I didn't go out earlier. The city has a burgeoning, creative cocktail scene that rivals that of New York or London. I started my night at the Spiffy Dapper. You've got to love a bar whose menu includes a guide to "bars better than us."

Source: Spiffy DapperBloomberg



Speakeasy culture may be everywhere these days, but Singapore's cocktail bars stood out for their uniqueness, approachability, and communal spirit.

Every bartender I spoke to seemed excited to try a new concoction or recommend another bar I should visit. I particularly liked Potato Head, a three-story bar with beach vibes, eclectic decor, and great music.

Source: Potato Head



On my last day, I visited the ArtScience Museum, in the Marina Bay Sands. It could have been lame, but it seemed genuinely engaged in thinking about what a museum of the future looks like by providing museumgoers with lots of interactivity.

Source: Marina Bay Sands



While I was there, the main exhibit was "Futureworld" ($9.50 for a ticket), created in collaboration with a Japanese art collective.

It showcased the museum's mission of highlighting the intersections of art and technology. I was particularly moved by "Black Waves," a kind of moving digital painting mapped onto the walls of the room. It enveloped viewers in a moving ocean, mimicking Japanese premodern paintings.

Source: Marina Bay Sands



By the time I left Singapore, I found that what I expected it to be — a cloistered metropolis of luxury shopping malls, casinos, and hotels — was light-years from the vibrant city I saw. While those elements are there, the real Singapore was accessible, colorful, and a ton of fun.



Bonobos' Italian-made dress shoes and boots are worth the slightly elevated price tag thanks to their quality, fit, and comfort

$
0
0

Bonobos Alpern Chelsea Boot

  • Bonobos recently launched its first-ever collection of high-end Italian-made dress shoes and boots. The collection includes quintessential men's footwear styles like loafers, wingtips, derby shoes, velvet slippers, Chelsea boots, and cap-toe lace-up boots.
  • I tried the Alpern Chelsea Boots and the Percy Wingtips and was pleased with both pairs. Where minor changes to timeless designs can make or break present-day offerings, Bonobos demonstrates a fine eye for classic details without skimping on comfort technology. 
  • At $198 for loafers and slippers, $248 for dress shoes, and $298 for boots, Bonobos' shoes aren't the cheapest on the market, their comfort, quality, and fit make them worth the price.

Bonobos is one of Insider Picks' favorite menswear brands. Beyond our countless stellar recommendations, you have to look to their beginnings to understand how impressive the brand is. The company started in 2007 with the simple goal of making better-fitting pants for men and has since grown to become an all-encompassing menswear brand.

But even after being acquired by retail powerhouse Walmart in 2017 and becoming the largest apparel brand ever to be built online, Bonobos was missing just one thing: shoes.

Now Bonobos is filling the gap with a collection of its own high-end Italian-made dress shoes and boots.

Bonobos Chelsea Boot back

The dress shoes include loafers, derby shoes, wingtips, and even a velvet slipper for formal black-tie events. The boot collection includes Chelsea boots and cap-toe lace-up boots.

I predict that the Chelsea boot will be the most popular style from the release this fall, so Bonobos set me up with a pair to test out.

First impressions

The mere mention of Bonobos making shoes was enough to get me excited about this release, but before getting them in-hand (and on-feet) I was concerned about what would separate them from the countless brands that already make "premium" and "luxurious" shoes for men. It turns out that Bonobos' distinguishing factors are the overall execution in design and the substantial amount of comfort technology.

I say that the execution in design is at a high level because each silhouette is timeless. We've all seen brands abase quintessential footwear styles by making them too wide, too round, too short, or by adding some uncharacteristic color that throws off the aesthetic.

My impression of the Alpern Chelsea Boots is that they look great — the proportions and colors are just right — and they are loyal to the classic Chelsea design. I also got to check out the Percy Wingtip shoe and was similarly impressed.

The shoes come well-packaged in the box, wrapped in plastic bags and packed with tissue paper. Two dust bags are also included. I personally keep all of my shoes in their original boxes to preserve their condition and value, but if you insist on tossing the box as soon as you get them, at least save the dust bags and store your shoes in them. 

What they're like to wear

In terms of comfort, the shoes feature some pretty thick memory foam insoles and padded heels, tongues, and ankle collars (all visible in the picture below). I wore the Alpern Chelsea Boots all day long and was reminded of how comfortable they were with each step. I didn't have to go through toe-crushing, heel-blistering agony just to look good.

I've found so many footwear brands over-dedicate themselves to traditional shoemaking techniques (stacked leather or wooden soles, Goodyear Welt construction, etc.), often to the detriment of comfort and wearability. Here, Bonobos marries classic design and modern comfort.

Bonobos shoes

It's also worth noting that both the boots and shoes run true to size. Bonobos recommends that you order your true shoe size, and I found this to be sound advice.

In the photo below, I'm wearing a black cashmere sweater from Amazon's brand Button Down, a corduroy sherpa trucker jacket from Gap (mine is a few years old and no longer available, but this is their closest style available now), black jeans that I had tailored to be skinny and stacked, and last but not least, the Bonobos Alpern Chelsea Boots. As you can see, these boots are very easy to style and will be in my shoe rotation all throughout the fall. 

Bonobos Chelsea boots

The bottom line

At $198 for loafers and slippers, $248 for dress shoes, and $298 for boots, Bonobos' first shoe collection comes at a price point most of the brand's customers will find affordable. There are without a doubt cheaper offerings from other brands, but in terms of quality, most pale in comparison. Time and time again, Bonobos has proven itself to be a dependable menswear retailer — and this release is no different.

If you're looking for well-made, stylish, and comfortable shoes to complement your wardrobe, then Bonobos' new shoe collection is one to shop. And if the brand's massive apparel selection is any indication of what's to come for footwear, you can expect new styles and colors in the future.

Shop all dress shoes and boots at Bonobos now

Join the conversation about this story »

Disney Plus costs $7 a month on its own, but you can bundle it with Hulu and ESPN+ for an extra $6

$
0
0

Disney plus (Originals) 4x3

  • Disney's new streaming service Disney Plus has launched. 
  • A month-by-month subscription costs $6.99/month. The yearly subscription is a little cheaper and costs $69.99/year ($5.83/month).
  • For these prices, subscribers get ad-free access to thousands of movies and TV shows, including exclusive original programming from Disney, Pixar, Marvel, Star Wars, National Geographic, and 20th Century Fox. 
  • There's also a bundled package option. For $12.99/month, you can get Disney Plus, Hulu, and ESPN+. If you buy each individually, the total cost would be $17.97/month. 
  • New subscribers can try the service for free for the first seven days. 

One of the most affordable streaming services on the market is now available on your TV. 

Disney Plus, a new ad-free streaming service created by the Walt Disney Company, became available on November 12 and immediately attracted 10 million subscribers on its first day. Analysts predict there will be 18 million customers by the end of 2020. 

The highly anticipated service features programming from not only Disney, but also all of Disney's subsidiaries: Pixar, Marvel, Star Wars, National Geographic, and 20th Century Fox. 

Subscribers can enjoy movies and TV series old and new, including programming that can only be found on Disney Plus

Find more information about the cost and features of Disney Plus below. 

How much does Disney Plus cost? 

There are a few different prices, depending on whether you want to pay on a monthly basis, commit to a yearlong subscription, or bundle Disney Plus with Hulu and ESPN+. Regardless of which you choose, you get a seven-day free trial to see whether you want to sign up for the full subscription.  

Seven-day trial for new subscribers to Disney Plus only: Free 

Month-by-month subscription: $6.99/month

Yearly subscription: $69.99/year (comes out to $5.83/month)

Disney Plus, Hulu, and ESPN+ bundle: $12.99/month ($17.97/month if you sign up for each service individually)

Disney Plus, Hulu (ad-free), and ESPN+ bundle: $18.99/month. Read on to find out how to get the bundle with the ad-free version of Hulu. 

What's included in this price? 

  • Ad-free streaming of thousands of Disney movies and TV shows, including original movies, series, and documentaries exclusive to Disney Plus 
  • Unlimited downloads 
  • Ability to stream on four devices simultaneously
  • Ability to add up to seven profiles 

How does the price of Disney Plus compare to that of other streaming services? 

Disney Plus offers a competitive price. Here's how it compares to other popular, non-live TV streaming services. The prices shown are for the ad-free plans (if applicable). 

Netflix: $8.99 to $15.99/month 

Hulu: $11.99/month 

Amazon Prime Video: $8.99/month 

HBO Now: $14.99/month

If you would also like sports content and movies and TV from non-Disney sources, you should consider the bundle option. The Disney Plus, Hulu, and ESPN+ bundle, which is also now available, costs $12.99/month. If you sign up for each of these services individually, the total would come out to $17.97/month.

However, the version of Hulu in the bundle still includes ads. In order to enjoy the ad-free version of Hulu while getting the savings of the bundle, you need to become a Hulu customer first. Here's what to do: 

  1. Sign up for ad-free Hulu ($11.99/month). 
  2. Sign up for the Disney Plus bundle with the same email address you used to sign up for ad-free Hulu. 
  3. You will have new Disney Plus and ESPN+ accounts but will continue to be billed separately for your Hulu subscription. 
  4. Every month, Disney will credit you $5.99, which is the value of the ad-supported Hulu in the original bundle. 

Read everything else you should know about Disney Plus here:

  1. Disney Plus: Everything you need to know about Disney's ad-free streaming service
  2. How to get a free week of Disney+
  3. All the new movies you can watch on Disney+ — from the live-action 'Lady and the Tramp' to holiday comedy 'Noelle'
  4. All the new shows you can watch on Disney+ — from 'The Mandalorian' to new Pixar shorts
  5. All the kids' movies you can stream on Disney Plus — from 'Snow White' to 'Frozen'
  6. All the new kids' shows you can watch on Disney+ — from 'Vampirina' to the new reboot of 'Star Wars: The Clone Wars'
  7. All the Marvel movies and shows you can stream on Disney+ — from 'Iron Man' to the new 'Loki'
  8. Every single Star Wars movie will be available on Disney+
  9. All the Pixar films and shorts you can stream on Disney+ — from 'Toy Story' to 'Inside Out'

Join the conversation about this story »

11 books to read this year if you want to take charge of your finances, learn how to budget, and build your net worth

$
0
0

woman reading

  • New Year's Resolution: Get into financial shape for 2020.
  • To help you take control of your finances, we rounded up 11 personal finance books to put on your bookshelf, from the classics to newer releases.
  • There's something for every money how-to, from budgeting and debt to investing and building wealth.
  • Click here for more BI Prime stories

There's nothing like kicking back with a good book.

And as 2020 takes off, what better book to crack open than one that will help you put your financial life in order this year?

To help build your arsenal of personal finance books, we rounded up 11 of the best books to read that offer a wealth of knowledge on, well, wealth. They cover everything from building wealth and investing to budgeting and tackling debt.

We've got the classics, like "Think and Grow Rich" and the Warren Buffett-endorsed "The Little Book of Common Sense Investing," as well as a few newcomers published this past year, like "The Financial Diet: A Total Beginner's Guide to Getting Good with Money" and "The Next Millionaire Next Door: Enduring Strategies for Building Wealth," a follow up to the iconic "The Millionaire Next Door."

See which other books made the list below.

SEE ALSO: 24 books C-suite leaders and billionaire investors say all entrepreneurs should read to become better leaders

DON'T MISS: 16 must-read books that Bill Gates recommended this year

'Think and Grow Rich' by Napoleon Hill

A timeless classic in the world of personal finance, Hill's bestseller explores building wealth from a psychological perspective, looking at how certain mindsets prevent people from growing their riches.

The book, which narrows wealth building into 13 steps, is based on Hill's 20-year research of more than 500 self-made millionaires.



'The Little Book of Common Sense Investing' by John C. Bogle

This Warren Buffett-endorsed book is a light read that serves as the perfect beginner's guide to investing. Written by the founder of the Vanguard Group — who also created the world's first index fund — it looks at using index funds to build wealth.



'Your Money or Your Life: 9 Steps to Transforming Your Relationship With Money and Achieving Financial Independence' by Vicki Robin and Joe Dominguez

A book loved by those seeking to join the FIRE (financial independence, retire early) community, this 25 year-old favorite offers a nine-step program on personal money management, from timeless topics like getting out of debt to modern topics like freelancing and side hustling.



'How Rich People Think' by Steve Siebold

Siebold interviewed more than 1,200 millionaires and billionaires for his book to examine their thoughts and habits and highlight what the middle class can do differently to build their own wealth.

"Everyone has the same opportunity to acquire wealth," he wrote on Business Insider.



'The Financial Diet: A Total Beginner's Guide to Getting Good with Money' by Chelsea Fagan

Fagan, founder of the popular personal-finance blog The Financial Diet, brings her wisdom to print with a crash course on all things finance, from budgeting to managing credit. The book summary bills it as "the personal finance book for people who don't care about personal finance."



'The Total Money Makeover: A Proven Plan for Financial Fitness' by Dave Ramsey

Financial guru Ramsey delivers straightforward advice to help you take control of your money. With real life success stories and a breakdown of 10 money myths, he takes a simple approach on how to get rich in his book.



'The Geometry of Wealth' by Brian Portnoy

This book will leave you richer — if not in your bank account, certainly in life. Portnoy looks at finances from a psychological perspective, exploring how building wealth is more than dollars, but instead funding what we consider a life of meaning.



'The Elements of Investing: Easy Lessons for Every Investor' by Burton Malkiel and Charles Ellis

This book is a rudimentary guide to investing. It breaks down basic investment rules, principles, and strategies that work. With insight on long-term investing goals and investing mistakes, it'll have you on the path to retirement in no time.



'The Next Millionaire Next Door: Enduring Strategies for Building Wealth' by Thomas J. Stanley and Sarah Stanley Fallaw

In this follow-up to the bestseller "The Millionaire Next Door," which was published 20 years ago, the authors provide updates and new research on how to build wealth. Citing data and case studies, they look at the different paths to wealth and how to be successful in a range of careers and lifestyles.



'Refinery29 Money Diaries: Everything You've Ever Wanted To Know About Your Finances ... And Everyone Else's' by Lindsey Stanberry

If anything will inspire you to track your finances, it's this. A spin off from Refinery29's hit series Money Diaries, this book chronicles weekly spending accounts from women across the country alongside advice on how to get rich and enjoy life.

Bonus: There are money challenges throughout the book to help you save $500.



'Rich Habits: The Daily Success Habits of Wealthy Individuals' by Thomas Corley

Based on five years of research on the habits of the rich, Corley outlines 10 principles the wealthy practice that you can follow to achieve financial success, regardless of your background.

Ultimately, he found, being rich comes down to two things— accumulating wealth and keeping the wealth you've accumulated — and his book breaks down exactly how to do both.



UrbanStems delivers fresh, beautiful bouquets with free one-day delivery — we tried it and think it's a great Valentine's Day gift

$
0
0

 

urbanstems

  • Giving flowers on Valentine's Day is a time-honored tradition, though many of us have horror stories of buying arrangements online, only for them to turn out to be mediocre bouquets in person.
  • UrbanStems wants to close the gap, making the process of ordering beautiful flowers a seamless, pleasant experience for both the buyer and the recipient.
  • The company offers affordable floral bouquets and plants (starting as low as $35) sourced from ethical farms around the world. Arrangements are created by in-house floral designers and delivered straight to your door in just one day.
  • We've both given and received flowers from UrbanStems and think it's the perfect Valentine's Day gift. Keep reading to learn more about the service, or check out the rest of our Valentine's Day gift guides for more inspiration.
  • Now through the end of January, use code "FRESHSTART20" to get 20% off select doubled bouquets (the Macchiato, the Buttercream, the Pink Champagne, and the Confetti). 
  • Read more: The best online flower delivery services

Gifting flowers is a timeless tradition — and for good reason. A nice bouquet of flowers is beautiful to look at, smells wonderfully refreshing, and actually has the power to make us happier

Giving flowers should be a simple process, yet for many people, it's not. You may not have time to go into your local flower shop and have a bouquet made, or your florist just might not have time to put together a bouquet with such short notice. You could order one online, but you've heard too many horror stories of botched bouquets bought on the internet. 

With Valentine's Day fast approaching, we figured it was high time to tell you about UrbanStems, the company many of us personally use to order flowers for our friends and loved ones. 

This flower-delivery service was born out of the same concerns many of us have about ordering flowers online — there's a lack of trust, awareness, and transparency that makes it difficult to know what we're really getting into. UrbanStems founder Ajay Kori was fed up with sending flowers as gifts. Every experience he had doing so ended in catastrophe. Instead of giving up on the gesture altogether, Kori enlisted his college classmate to try and fix the floral industry.

What they've created is an easier, more affordable way to order beautiful flowers online — one that ensures your bouquets actually are delivered in time for those special moments. 

How UrbanStems works

When you head over to the UrbanStems, you'll find a small but diverse selection of bouquets. UrbanStems is a member of the fewer, better camp, which is reflected in their selection — a few beautifully-crafted bouquets and potted plants, rather than a mass of mediocre arrangements. All of the flowers and plants are sourced from sustainable farms, which UrbanStems' in-house floral designers collaborate with to create unique bouquets. With prices that start at $35, UrbanStems is a pretty affordable option as well. 

Once you've picked which bouquet you like, put in your desired delivery address and choose from the delivery date options listed. UrbanStems provides a calendar that shows which delivery dates are available, as well as notes when the bouquet will be back in stock if it has been sold out. UrbanStems also suggests vases that complement each bouquet, should you want to spend a little extra to send a vase as well. 

Moving to checkout is simple. UrbanStems has you sign up with your email so they can inform you of the status of your order. Then all you have to do is fill out the delivery information, and my favorite part — a cute note to go with your flowers. If you're stumped, UrbanStems has some sweet prewritten options for you, but you can completely customize this part on your own.

One of the best parts of UrbanStems is its simple delivery process

UrbanStems bouquets can be delivered anywhere in the US — if you're living outside of the US but want to send flowers to someone who does live here, you can do that, too. If your recipient lives in DC or NYC, an UrbanStems courier will deliver their flowers by bicycle or car, any day of the week. If your recipient lives anywhere else in the US, your order will get free one-day FedEx delivery, which can only be delivered Tuesday-Friday — something to note if you're planning for flowers to be delivered for a specific occasion.

These quick delivery options make UrbanStems a great last-minute gifting option, but you can also use it to plan gifts far in advance. If you know you want to deliver someone flowers for their birthday in a month, you can order bouquets up to three weeks out from the current date. 

urbanstems

When your recipient receives their flowers, they'll be packaged up in a beautiful box that's hiding a lovely bouquet and a sweet note from you. It's thoughtful and easy way to surprise someone special and make them smile. Whether it's your partner, sister, brother, parent, friend, or coworker, UrbanStems makes a great gift for just about any occasion.

Here's what two of our editors have to say about UrbanStem's service:

Sally Kaplan, Insider Picks senior editor: I've now both ordered and received bouquets from UrbanStems, and both experiences felt seamless and rewarding. Sending bouquets is easy; you just pick which one you want, select a vase (these cost a little extra, just so you know), and write a card to your recipient. Receiving them is even easier; just open the box, follow the instructions to care for your flowers, and, if you're anything like me, pop the special note that comes with on your refrigerator door with a magnet. If you properly take care of the flowers, they'll last for around a week or so. I got a bouquet with lots of white flowers in it, which tend to age a little faster, so mine lasted about four or five days before they started to wilt and discolor.

Ellen Hoffman, Insider Picks executive editor: I was looking for a new flower-delivery service a few months ago since my go-to, BloomThat, was acquired by FTD Companies and paused its services in September 2018. Sally recommended UrbanStems. So far, I've ordered two bouquets from the company and have found it offers a lot of the same conveniences as BloomThat, for both the person buying the flowers and the recipient. The constantly rotating, seasonal-flower selection is robust, but not overwhelming, and while the prices are on the higher end ($55 is currently the cheapest bouquet price), they're justified by the quality you get. The flowers I've sent were vibrant and fresh, and more unique than what you'll find elsewhere.

For Valentine's Day, save 20% on select bouquets with the promo code "FRESHSTART20". The offer ends on February 1, 2020. Here are the eligible bouquets:

Send a flowal bouquet or plant from UrbanStems here

IP Valentines Day End post

Join the conversation about this story »

BUDGET SHEET: A married couple breaks down how they paid off their $200,000 mortgage in 4 years

$
0
0

IMG_1178 copy

Homeownership can be a daunting proposition for many people — especially when it comes to finances.

However, as Andy and Nicole Hill proved, that doesn't mean it's outright impossible. The journey to buying a home — and paying off the mortgage — just takes discipline, planning, and, in their case, following a monthly budget.

At the end of 2013, the Hills bought a $350,000, four-bedroom house. To make the purchase, they put down $155,000 and took out a $195,000 mortgage.

The couple made their first mortgage payment in January 2014 and their last payment in November 2017.

Andy Hill told Business Insider that for them, the journey to becoming debt-free required sticking to a strict budget that they created every month. This approach allowed them to make additional payments to the principal each month that varied in amount.

Any extra money the couple came into — whether it was a bonus at work, tax returns, or money made by selling items around the house — went straight toward the mortgage. In fact, twice a year, Andy put two full paychecks toward the principal.

The couple created a "zero-based budget," meaning every dollar of their monthly income was assigned a purpose.  Andy gave Business Insider an exclusive look at his monthly budget sheet from May 2016. On the spreadsheet, the couple divided their income across nine expense categories.

Do you have a similar story or budget you'd like to share with Business Insider? Get in touch with this reporter at lbrandt@businessinsider.com.

Subscribe here to read our feature and see the breakdown of the budget sheet: A Michigan couple who paid off their $200,000 mortgage in 4 years shares the exact budget sheet they used, and it accounts for every dollar of their monthly income

 

SEE ALSO: 2 empty-nesters bought an abandoned farm in Pennsylvania for $220,000, and they've spent nearly 2 years and $150,000 renovating it. Here's what it looks like now.

DON'T MISS: A California professor spends his summers living on an 80-square-foot boat and sailing through America's river communities. Here's a look at how he built the floating cabin with just $5,000.

Join the conversation about this story »

NOW WATCH: Traditional Japanese swords can take over 18 months to create — here's what makes them so special

Maelove was founded by MIT grads and its under-$30 skin-care products are better than any luxury brands I've tried

$
0
0

Maelove Collection

  • Maelove is a radically affordable skin-care line founded by MIT grads where most products are under $30. The exception is the Love 31 face oil ($74.95).
  • Their cult-favorite $28 vitamin c serum (which consumers have pointed out is very similar to SkinCeuticals' $166 version) put the company on the map, and is prone to frequent sellouts. 
  • I've tried four products from Maelove: the Day Eraser ($19), the Glow Maker ($28), the One Cream ($28), and the Eye Enhancer ($28). Across the board, they're each hero products — and they're unbelievably affordable.
  • I try lots of skin-care products for my job at Insider Picks, and Maelove is the startup I am most excited about. The company also has a 100 day, 100% money-back guarantee.
  • Try the line here and save 10% when you purchase two or more items with the promo code "TEN" at checkout.

It doesn't take long in a Sephora to realize that luxury skin care is not affordable. Glossy tubs of La Mer go for $180, and there's an $85 Peter Thomas Roth mask with pure 24-karat gold inside of it

But, if you know where to look, you can find luxury skin-care products made in the same premium cosmetics labs for a fraction of the cost. 

Take Maelove, for instance. The company was founded by MIT grads (skin-care obsessives, brain and cancer researchers, and chemical engineers) to democratize high-end skin care. Formulas are based more firmly in exhaustive research than the farm-to-face movement, and each product in the line is listed under $30.

It's remarkably cheap.

What's better, though, is the quality for the price. I try a lot of skin care products — both expensive and cheap —for my job at Insider Picks, and if I could only buy skin care from one line for the rest of my life, this is the one that I would pick right now. The products work well, they're not expensive, and the startup hasn't been wrong yet. Like the loophole of buying Differin gel rather than Differin cream to save $200, Maelove is one way to save hundreds on the essentials without making any concessions when it comes to what goes into the products themselves. 

How Maelove made good skin care cheap:

Longtime skin-care obsessive Jackie Kim wanted to make skin care more accessible, and co-founders and friends Brad and Rishi were looking for ways to apply artificial intelligence techniques to unexpected industries. Skin care — with its glamour, subterfuge, and markups — seemed like a natural fit.

As outsiders, Kim and company were able to pinpoint the norms that needed challenging. "The first oddity of the skincare industry that we noticed was that it's run like the fashion industry," Kim explained. "Marketers create trends and endless product varieties in an attempt to maximize sales. What you end up with is a ton of undifferentiated products hyped by overzealous marketers, which leads to confusion among shoppers."

To illustrate her point, Kim points me to the 428 results that pop up for a facial moisturizer on Sephora's site, with prices ranging from $385 to $10. With such variety, how is the average person ever supposed to narrow it down to the best? Not to mention the fact that each sector of skincare seems to have its own neverending subsets: there's the eye cream, the face cream, the cream for your left elbow, and the cream for your right elbow. 

But, while trends inherently change, the body doesn't from year to year. "How can there be a 'breakthrough' skincare ingredient every year?" Kim asks. "What worked well for our skin 10 years ago still works well today." 

The team recruited friends from all disciplines — cancer and brain researchers, chemical engineers, lawyers, and medical doctors — to hone in on the research without the baggage of preconceived notions. In essence, Maelove is one huge — and very successful — science experiment. And it reads like one. 

First, the team leverages decades of clinical research. "There are abundant and widely accepted published works that show which compounds work well for maintaining skin health. These are the tried-and-true ingredients recommended by every dermatologist and [which] are available in both over-the-counter and prescription strengths (the classic ingredients like retinol, AHA, certain vitamins and peptides, etc)." In short, these are the ingredients that should work.

Then, Maelove uses artificial-intelligence to scan millions of self-reported product reviews — what Kim refers to as empirical real-world data — to determine which ingredients correlated with success, and which to avoid. These are the ingredients that, according to users (or, self-reported test outcomes, as Kim calls them), do work. 

Finally, the company finds human volunteers to test the formula to verify that it's effective.

Maelove, $28

So, instead of building a business around variety for the sake of variety (remember: left elbow creams), Maelove focuses on making one line of stellar skincare that can work for all skin types. 

What to buy:

The Glow Maker ($28)is a vitamin c serum that brightens your complexion, evens tone, and lightens dark spots. It's lightweight and sinks in quickly and completely without leaving any tacky residue. And while vitamin c serums can be drying, Maelove's iteration has a botanical blend and hyaluronic acid (which can hold up to 1,000 times its weight in water) to prevent it.

Consumers have been quick to note the Glow Maker has a very similar ingredient list to the multi-award-winning C E Ferulic Serum ($166), despite being more than $130 cheaper. You can find a full review here, including a side-by-side breakdown of the ingredient lists

The One Cream ($28)is an everyday moisturizer that will deeply hydrate without clogging pores. It's good for all skin types, and it goes on lightweight and absorbs quickly and completely. When I'm not testing another cream, this is the one I prefer — there's never any irritation to my sensitive skin, and it deals with dry patches well. You can find a full review here.

The Eye Enhancer ($28)hydrates, tightens, and brightens the delicate skin around your eyes. A little goes a long way, and it absorbs into the skin for an all-day brightness and de-puffing boost. Cold-pressed Robusta Coffee seed extract, which is full of antioxidants and polypehnols, reduces water retention and puffiness, and a botanical complex soothes the thin, sensitive skin around your eyes.

The Day Eraser ($19)is a thicker, more oily cousin to a great micellar water. Maelove went through over 90 product iterations before landing on this one. It's a two-in-one makeup remover and face cleanser that respects the skin's natural moisture barrier and doesn't leave it feeling stripped or dry. It can remove waterproof makeup and still leave skin feeling smooth and hydrated. Unlike most oil cleansers, it shouldn't leave a film behind or clog up pores. Personally, I use it as a makeup remover and a pre-cleanser before applying my face wash. It's gentle, silky, and doesn't irritate my sensitive skin.

And while I haven't personally tried theNight Renewer ($28), it has over 1,000 reviews and a five-star composite rating. After years of research, the company was able to make a Glycolic Acid cream that was safe and effective for sensitive skin. It improves skin texture, fades dark spots, and diminishes the appearance of fine lines, wrinkles, and pores. This formula also has 10% medical-grade AHA, a blend of soothing ingredients, and Hyaluronic Acid for hydration.

Note: You can use the code "TEN" at checkout for 10% off any purchase of two or more products for a limited time. 

The bottom line:

This radically affordable luxury skin-care line is the real deal. Maelove makes both some of the best and the cheapest skin-care products that I've found. And while I don't often get to stick to my own skin-care routine as a product reviewer, I've surprised myself by preferring to use the cheaper Maelove products over luxury skin care I often test for work. 

I recommend Maelove to everyone who asks me for recommendations for a new everyday go-to product because it works for all skin types and doesn't cost much, but skin care is also a notoriously subjective experience. What works for me may not work for you — even a skin care line built to cater to every skin type. Luckily, Maelove has a 100-day, 100% money-back guarantee, so you're not risking much if you want to give it a try yourself.  

Shop Maelove here.

Join the conversation about this story »


The best standing desks for your home or office

$
0
0
  • The health benefits of sitting less during the day are too great to ignore, but with the number of standing desks available, it can be hard to know which desks are a quality investment, and which ones should be avoided.
  • With its stability, smooth height adjustment, and solid warranty the Fully Jarvis Electric Adjustable Height Standing Desk is a step above the rest, providing the best value for your money.
  • If you're looking to further adapt your workspace to improve your posture, minimize back pain, or just be more active throughout the day, check out our guides to the best active seating and the best office chairs.

Improve your posture, burn more calories, get more energized, and increase your life expectancy. These health benefits sound like something you'd get after a rigorous exercise routine, but believe it or not, they're the result of standing more instead of sitting. So many jobs involve sitting at a desk for hours each day, and it can be hard to break away to incorporate more standing without sacrificing productivity.

Even with coffee breaks and the occasional stretch, the average American still spends up to 15 hours a day sitting. This is bad news considering a sedentary lifestyle increases your chances of cancer, obesity, heart disease, and diabetes. Before you run away from your desk job in terror, there is a compromise. Consider the standing desk, which allows you to incorporate more standing into your day without interrupting whatever task you may be trying to accomplish.

To find the perfect standing desk to fit your needs, it's important to consider a few questions before committing to a purchase. First, how much space do you have to work with? Standing desks come in all sizes and configurations so you can find a good fit. Second, do you want to part with your traditional desk? If the answer is no, then you might want to find a standing desk conversion option that you can set up on the desk you already have. Lastly, what are you willing to spend? Some desks are more budget-friendly than others, but it's important to remember that you're investing in your health too, so it may be worth it to spend a little more on a quality desk.

It may seem overwhelming, but luckily we've done the research for you to find what we think are the best standing desks to suit a variety of needs. Since we've pored through the reviews, you can take a stand for your health sooner rather than later, and learn which desk may be best for you.

Here are the best standing desks:

Updated on 1/22/2020 by Jen Gushue: Updated prices, links, and formatting.

The best standing desk overall

The Fully Jarvis Electric Adjustable Height standing desk is the complete package, combining a durable and sleek design, stability, and easy height adjustment for a reasonable price.

One of the biggest downfalls of a fully transitional sit-to-stand desk is that the higher it gets, the less stable it becomes until you're left with a uselessly wobbly contraption. Not so with the Fully Jarvis. Even at its full height of 48 inches, this desk maintains an ample amount of stability, so even if you're on the taller side (up to 6 foot 7 inches), you will be able to use this desk with ease. For those who are shorter, this desk can adjust to any height in between 23.25 and 48.75 inches.

The Fully Jarvis has a sit-stand desk frame so you can go from sitting to standing and anywhere in between, although we imagine a static squat hold probably wouldn't lend much to work productivity. If you're looking for smooth transition, this is the desk for you. The frame is motorized, so there is no old-fashioned hand-cranking required, and its programmable digital handset with four preset options allows you to input your ideal sitting and standing height.

According to Start Standing, the desk raises and lowers at a rate of 1.25-inches per second, and though the reviewer found it wasn't as quiet as some higher-priced desks, the noise wasn't unbearably loud. We wouldn't recommend taking a conference call while transitioning from sitting to standing, but the noise isn't a deal-breaker. It's a fair trade-off for the stability and the lift capacity this desk has.

The Fully Jarvis can support a whopping 350 pounds, and while it would be a bit of a challenge to hit that max weight unless you're housing an anchor on your desk, it's nice to know that you don't have to worry about this desk tipping over or not being able to accommodate all your electronics.

The Fully Jarvis is backed by a generous seven-year warranty, and its simple assembly is helped along by easy-to-follow instructions. However, if you're understandably short on time or patience you can also choose to receive expert assembly. It will add to the price of the frame, but for the sake of convenience and sanity, you may find spending a little extra money is worth it.

The Fully Jarvis provides a complete package of reasonable price, beautiful design, and stability. It's not surprising that it shows up repeatedly as the number one pick in many "best standing desk" lists, including Wirecutter and Gadget Review. We have to agree that it stands apart from the rest.

Pros: Well designed, stable even at its maximum height, durable, able to hold up to 350 pounds, reasonably priced

Cons: Not the quietest desk on the market



The best affordable standing desk

The Readydesk 2 is an affordable and easy-to-assemble standing desk that allows you to keep your traditional desk, features a durable design, and has enough space to house a dual monitor set up.

If you're just starting to dip your toes into the standing desk movement, and aren't sure if you want to spend a lot of money to begin with, the Readydesk 2 is a great place to start. Not only is it budget-friendly, but it's a conversion option that allows you to utilize a traditional desk you may already have.

Think of the Readydesk 2 as the training wheels of standing desks. If you enjoy incorporating more standing into your day, you can always leave your traditional desk behind and graduate to a fully transitional standing desk. However, you may find yourself keeping the Readydesk2 as a permanent option.

Business Insider's guide editor Malarie Gokey used the Readydesk 2 to convert her desk into a standing desk, and it was perfect. It's easy to assemble, fits nicely on most desks without taking up too much space, and it's much more affordable than other standing desk converters. 

The Readydesk came from humble beginnings as the product of a Kickstarter, but the stable, well-constructed design has earned it a solid place among effective standing desks that won't turn into a wobbly mess. It's constructed from recyclable Baltic Birch Wood, which gives this desk a unique aesthetic appeal since most standing desks utilize plastic and metal. The two adjustable shelves can be configured in 30 different ways, and the top shelf provides enough space for a dual monitor set up.

This is a semi-permanent standing desk conversion option, making it too cumbersome to switch rapidly between sitting and standing, and its design wouldn't exactly be described as "sleek." However, this is a budget-friendly desk, so you aren't going to get the deluxe features found in more expensive standing desks.

Budget-friendly doesn't translate to cheap quality in the case of the Readydesk 2. Circle of Docs, an online community of chiropractors, tried the Readydesk 2 and described it as "lightweight, strong, and beautifully designed."

Pros: Affordable, easy assembly, durable design, spacious enough for a dual monitor set-up

Cons: Not able to smoothly transition between sitting and standing, some reviewers found the unfinished shelf edges uncomfortable, lacks the extra features that would be found in a more expensive standing desk



The best standing desk conversion

The Ergo Desktop Kangaroo Pro Junior provides a smooth transition from sitting to standing while allowing you to keep your traditional desk. 

Maybe you have a desk you don't want to part with, or you can't justify paying the higher price for a fully adjustable standing desk when you have a traditional desk in perfect condition. Just because you don't want to part ways with the desk you have now doesn't mean you can't get the benefits of a standing desk. Standing desk conversion options like the Kangaroo Pro Junior can be placed directly on top of your desk, and allow you to sit or stand as needed.

While some conversion options can take up a large chunk of your desk space, Wirecutter points out that the compact design of the Kangaroo Pro Junior allows you to get the most out of your space, and it doesn't need an especially wide desk to sit on top of like other conversion options. The built-in pneumatic spring mechanism allows you to go from sitting to standing by the turn of a knob so your coworkers won't be looking on in amusement as you make the switch. Limiting workplace embarrassment is always a plus in our book. To go back to sitting, you simply press the surface back into place.

The Kangaroo Pro Junior is one of the most ergonomic conversion options, with separate keyboard and monitor platform adjustments that make it possible for you to find your comfort zone with ease. This option works best with a separate monitor and keyboard set-up, as it doesn't provide a secure way to mount a laptop, though the 24 x 18-inch keyboard tray is more than stable enough to support a laptop if needed.

It also comes with a metal leg to provide additional stability. Unfortunately, this stability leg does take away from the aesthetic appeal of the design, but the guaranteed stabilization it provides ensures that you won't have to deal with a wobbly desk. The benefits of a standing desk are lost if it won't let you work comfortably while standing.

The small working space provided holds up to 35 pounds of your necessities, so you won't be putting the contents of your entire desk on this conversion option. However, since it's meant to be used with your traditional desk, you should have enough space for everything you need.

If the thought of assembling furniture raises your blood pressure before you've even begun, not to worry — the Kangaroo Pro Junior doesn't require any installation or time-consuming assembly and the frame comes with a five-year warranty.

Pros: Provides a smooth transition from sitting to standing, compact so it won't take up your entire desk space, no installation required and easy assembly, separate adjustment options for keyboard and monitor

Cons: Not the most ideal option for laptops, will only hold the essentials, the stabilizing leg is a bit of an eyesore



The best easy-to-assemble standing desk

For a high-end desk that assembles quickly and easily, Varidesk's Pro 60 Full Electric Standing Desk is no doubt the way to go.

My very first standing desk was of the Varidesk variety, and I'm convinced that my last standing desk will also be of the Varidesk variety. While these certainly don't come cheap, they're extremely high-quality, very quiet, and very easy to set up.

Varidesk claims that its Pro Desk 60 will require just five minutes of your time to assemble, and though that's not quite true, this standing desk is much more straightforward to put together than most other options on the market.

Let's not kid ourselves — this is an expensive desk. But what you're paying for is a large desk size (it's 60 by 30 inches), a wide range of heights (it goes from 25.5 to 50.5 inches, offering more than two feet in adjustments), and a solid five-year warranty to ensure that you're not just throwing money away.

As far as high-end standing desks go, the Pro Desk is an excellent choice. Designed with commercial-grade materials, this desk is meant for commercial offices, but makes just as much sense at home. All desks have a heavy-duty laminate finish and a strong steel frame. There's a stability crossbar that looks a bit dated but does add an extra layer of stability.

Indeed, you can place up to 250 pounds of stuff on your desk, so you should feel comfortable with multiple monitors, a printer, paperweights, and whatever else you may need to feel productive during the day.

Adjusting the desk is a seamless process: Simply press the up or down arrow, and the LED display will show the height. Once you've decided that you've reached a comfortable position, you can commit that particular height to memory thanks to the Pro Desk's three programmable settings. The motor is also surprisingly quiet, so if you find that you need to do some night adjustments to your workstation, you won't wake up the entire household.

As for assembly, the Pro Desk really does make things as simple as possible. All requisite tools are included, and because the crossbars are pre-mounted to the desktop, all you really have to do is position the legs and secure them in place, attach the cables and the stability bar, and install the cable tray. The toughest part comes in flipping the desk over — it's a heavy piece of equipment, and most likely requires two people for safe handling.

The Pro Desk 60 comes in several and can be further dressed up with Varidesk's wide range of accessories. I'm a particular fan of the Active Mat, which takes some of the pressure off your feet while you're standing all day; the dual-monitor arm set-up; and the variable height Varichair, because everyone deserves to take a seat sometimes. — Lulu Chang

Pros: Easy to assemble, durable construction, five finishes to choose from, quiet motor with three presets

Cons: Expensive



The best customizable standing desk

The Uplift Desk gives you the option to change just about everything about it, which means you can have your desk just the way you want it.

One of the best things about the Uplift Desk is that it is, in every sense of the word, your desk. Customization is key to this brand, which means that even though you can start with a run-of-the-mill carbonized bamboo rectangular desk measuring about 48 by 30 inches, you can change things up in terms of size, electronics, power supplies, and more.

When Business Insider's James Brains created his own Uplift Desk, he ended up choosing a 60-by-30-inch desktop with a slight curve on the front, a power grommet, an advanced digital memory keypad that remembers four preferred desk heights and will automatically adjust to them with the push of a button, the basic wire management kit (which comes with adhesive cable ties, screw-in cable mounts, reusable cable ties, cable dropdowns, a six-outlet surge protector power strip, a cable coil organizer, and an under-desk hook), and a large half-circle desk drawer. See? Truly customizable.

All Uplift desks also come with a standing desk mat and a bamboo desk organizer set, though you could also really get your fitness on and ask for a desk treadmill or bike, though to be honest, I've always found those add-ons to be a bit distracting from your actual work.

With all these bells and whistles, assembly does become something of a pain. After all, when you're putting together a desk that comes with an essentially infinite number of individualized parts, you can't expect much of it to come pre-assembled. While putting the desk together isn't difficult, per se, it is rather time-consuming. But once you've put it together, it's pretty likely that it'll be the desk of your dreams. After all, you'll have designed it.

Another thing to love about the Uplift Desk is that it comes with one of the best return and warranty policies on the market. For starters, you have 30 days to take your desk on a test run. Should you decide that it's not everything you dreamed of and more, you can simply send it back.

Alternatively, should you find that something goes wrong with your desk, Uplift covers its products with a pretty impressive seven-year warranty. So even if you do end up spending some big bucks on your desk, you can rest assured that it won't all go to waste. — Lulu Chang

Pros: Extremely customizable, strong, durable materials, seven-year warranty and 30-day return policy

Cons: Can get expensive quickly with various add-ons, takes time to assemble



Check out our other office gear guides

The best active seating for your office

Active seating promotes movement, improves posture, and activates your core while sitting, and some models can work in tandem with a standing desk, so you can find the perfect combination of sitting and standing throughout the day. These are our top picks for the best active seating.


The best office chairs

If you spend the majority of your day parked in your office chair, you owe it to your body to choose a chair that gets an A+ for ergonomics. Our top picks will help improve your posture and may even help relieve back pain.


The best desk lamps for your office

If you have a home office, it's important to have good lighting so you don't strain your eyes while typing away on your computer or going over documents. There are dozens of different desk lamps to choose from in all kinds of styles. These are the best desk lamps you can buy to light up your workspace in style.



I've slept on several different 'beds-in-a-box' — and this luxury hybrid mattress is by far the most comfortable

$
0
0

Sapira

By some estimates, there are currently more than 100 brands that deliver compressed memory foam beds to your door. Though brick-and-mortar stores are still king, these "bed-in-a-box" companies are taking advantage of consumer dissatisfaction with the high-pressure sales environment offered by traditional mattress showrooms. The new online companies are even offering risk-free trials that allow you to spend several nights on a mattress to see if it's right for you.

One of the biggest names in the industry is Leesa. They recently sent me their luxury hybrid Leesa Hybrid mattress, the Leesa Foundation, and two hybrid pillows for free to test. Below, I will examine what you should look for when shopping for a mattress, share my experience with the Leesa Hybrid mattress and Leesa Foundation, and let you know who this bed is best suited for.

What to look for in a mattress

I have experience with several bed-in-a-box brands, and arguably the most important factor to look for when shopping for a mattress is the length of the trial period offered. When you go into a store to shop for a mattress, you can lay down on the actual bed before buying it. Though some online mattress retailers have showrooms in big cities, for the most part, you don't get the same brick-and-mortar experience shopping online.

To address this, online companies offer significant trial periods where you can return the mattress if you are not completely satisfied. There are some brands that will give you a full year to try their mattress but most offer a risk-free trial of about 100 nights. Check to make sure you get a trial of at least 90 nights with a mattress so you don't get stuck with something that doesn't meet your individual needs. Also, read the fine print to ensure you don't get stuck with a hefty return charge.

The most popular mattresses continue to be the traditional innerspring mattresses. They feature a steel coil core and a foam comfort layer. Their benefits are strong edge support and excellent bounciness, but they are prone to sagging, producing the classic squeaky bed sound, and they don't contour well to the body.

Some innerspring mattresses feature individually wrapped pocket coils. This construction helps to minimize motion transfer. Think of the old commercials where a bowling ball is dropped on a mattress. If you share a bed with a partner, you may want to consider individually wrapped coils to ensure they don't wake you up as they move in the night.

Memory foam mattresses keep growing in popularity. They consist of several layers of foam that conform to your body. Though they last longer than innerspring mattresses, they tend to trap heat.

Hybrid mattresses combine innersprings and memory foam. They have many layers of foam on top of a core of pocket coils. This combats the heat-trapping problem commonly found with memory foam while contouring to the body. However, hybrid mattresses tend to cost more than memory foam and innerspring.

Two other less common and more expensive options are latex mattresses and airbeds. Latex offers rounded body support and bounce, but it emits a long-lasting off-gassing odor. Airbeds combine foam comfort layers with air chamber support. An air pump lets you adjust your firmness, and airbeds are surprisingly durable.

Firmness is another important consideration. Firmness is rated on a scale of 1 – 10, where 10 is as firm as it gets. According to Sleepopolis's guide on firmness, 80% of sleepers prefer mattresses in the 5 to 7 range, regardless of sleep position. Therefore, many mattresses are right around 6. However, preference is incredibly subjective. In general, side sleepers should look for softer mattresses to avoid putting too much pressure on your joints. Back and stomach sleepers will typically benefit from medium-firm mattresses.

Leesa Sapira Mattress

Why you should consider Leesa

If you regularly listen to podcasts, you have likely heard an ad for Leesa mattresses. They are perhaps best known for their social initiatives. For every 10 mattresses they sell, they donate one mattress to a nonprofit. So far, they have donated over 30,000 mattresses to homeless shelters and other organizations that help at-risk men, women, and children. Additionally, they plant one tree for every mattress sold and volunteer within their community. They have earned B Corp certification for their social and environmental performance.

Based in Virginia Beach, Leesa was co-founded in 2013 by CEO David Wolfe and Chief Product Officer Jamie Diamonstein. Diamonstein already had decades of experience in the mattress industry when Wolfe contacted him about redesigning the mattress. Their goal was to make simple mattresses that improved the sleep experience, streamlined the buying process, and gave back.

What Leesa mattresses are available?

With more than 13,000 5-star buyer reviews, the Leesa Mattress is by far the most popular product offered by Leesa. Their flagship mattress has three layers: a cooling foam top layer, contouring memory foam layer in the middle, and a 6" core support foam base. This is covered by the company's iconic four-stripe cover. 

In 2016, Leesa introduced the Leesa Hybrid Mattress, which differs from the original in that it's a hybrid featuring individually wrapped coils. The 11-inch-thick Leesa Hybrid has five layers: the cooling foam top layer, contouring memory foam, and a 6" pocket coil system sandwiched between two layers of core support foam. The Leesa Hybrid is what I tested. Both Leesa mattresses come in twin, twin XL, full, queen, king, and California king sizes. I tried out a king.

Leesa also offers four different bed frames: a platform bed, adjustable base bed, a simple metal bed frame, and the Leesa Foundation, which I received. There are also several other accessories, including pillows and sheets. Other colleagues reviewed the Leesa Hybrid Pillow and the Leesa Adjustable Base.

leesa

Leesa offers a 100-night risk-free trial period. They just ask that buyers try their mattress for at least 30 nights. If you aren't satisfied, they will coordinate pick-up of the mattress or foundation. You don't have to worry about attempting the impossible task of fitting everything back into the box. There is no fee for returns unless you're in Alaska or Hawaii, in which case it will cost $100.

There is also a 10-year mattress warranty. The warranty is limited to physical flaws in the cover or mattress craftsmanship and mattress deterioration that results in an indentation of more than an inch. The warranty covers full replacement of the mattress, but the buyer has to pay for shipping.

Leesa offers a "white glove" delivery service in select locations. For an extra $100, a two-person team will deliver your mattress and foundation, unbox it, set it up, and remove the packaging. And, for $50 more, they will remove your old mattress and box spring, which is helpful since most municipalities charge extra for disposing of mattresses. I chose not to go with the white glove service because I wanted to get the full buyer experience.

The Leesa Foundation is heavy at 80 pounds, but it was easy to set up and took only 15 minutes

My king-sized Leesa Foundation arrived in a long skinny box that weighed over 80 pounds. I recommend having a strong friend help you carry the box to where you plan on putting your bed. I advise against setting it up anywhere but where you intend on keeping it.

Upon opening the box, I was struck by the foundation's simplicity. There are essentially the four sides that fit together using thick plastic pins at each corner and two support rails that slide into place. Within the frame and on top of the support rails, you place two sets of slats. The slats are spaced about four inches apart inside of a fabric cover. Working alone, the whole setup process only took me 15 minutes.

My king-sized Leesa Hybrid mattress weighed 152 pounds and set up also took about 15 minutes, but it took several hours for it to fully expand

download 1

Once the foundation was in place, it was time to unbox the Leesa Hybrid mattress. The box is a beast, and I encourage you to tip your delivery person generously. The king-sized mattress weighs 142 pounds, which you may want to have a couple of friends help you with. My wife and I were able to carry it up a winding staircase to our second-floor bedroom, but it took at least a few cuss words.

Since the mattress is heavy, don't plan on moving it after it's been opened. In other words, open it where you plan on keeping it. With this in mind, I opened the box alongside my foundation. I like to try to do as much of an assembly/installation as I can on my own so I can give a full report on what needs to be done. So, I did unbox this mattress, put it on the foundation, and removed the plastic without help. I don't recommend anyone do this on their own. The unboxing and positioning of the mattress took me about 15 minutes.

I was surprised by how odor-free the mattress was right out of the packaging. Since I was in the process of renovating my home when the mattress arrived, it sat in the box for over a month. Longer storage times usually worsen the memory foam odors, commonly called "off-gassing." You should allow the mattress to air out for a couple of hours or even days before sleeping on it.

The feature that stood out to me most was the pocket spring coil system. You can feel the springs along the sides of the Leesa Hybrid mattress. Why does this matter? When you have springs that go right up to the edge, you can count on excellent edge support, which allows you to make the most of the entire area of your bed without feeling like you're going to fall off. And, in my experience, the Leesa Hybrid did provide superior edge support.

Since I could feel the coils, I thought I might as well count them. There were 46 along the width and 50 along the length for an estimated grand total of 2,300. All factors being the same, the more coils there are, the more support and durability you can expect. The better innerspring mattresses have 600 to 1,000 coils.

I'm a light and hot sleeper, and during testing, there was minimal motion transfer and the mattress didn't trap body heat either 

The individually wrapped coils also kept motion transfer to a minimum. I'm a light sleeper. Whether it's sounds, odors, or something moving around on the bed, I will wake up. However, the movement didn't wake me up with the Leesa Hybrid. If my wife had to get up early or our four-year-old jumped into bed with us, I would rarely wake up. To put the motion transfer to the test, I dropped a 20-pound weight from 3 feet above the bed approximately 12 inches away from a can of sparkling water. I did this several times, and the can didn't move at all.

download 3

Before the Leesa Hybrid, I slept on a medium-firm mattress that would be about a 7 on the firmness scale. It was just a little too firm for my tastes. The Leesa Hybrid is closer to a 6.5, which provided the balance of comfort and support that I need as a side sleeper. Also, I'm a roller derby player, cyclist, and runner. I basically beat the crap out of my body. Often after roller derby bouts, I can't sleep because of the pain. This was not the case with the Leesa Hybrid. So far, I have not had any trouble falling asleep. My wife has had a similar experience.

Speaking of my wife, I should probably touch on the romantic aspect of using the Leesa Hybrid. Sleepopolis has identified five areas that make a mattress ideal for intimacy: comfort, edge support, minimal noise, bouncing, and ease of movement. I've already touched on the impressive edge support and comfort. When it comes to noise, the Leesa Hybrid mattress coupled with the Leesa Foundation is completely silent, a must when you have kids sleeping in the next room.

When applying pressure to the bed, it bounces back into shape, which aids in creating a bouncing motion. And, since the mattress is firm, you don't sink into it and movement is effortless. Basically, the Leesa Hybrid checks all the right boxes for romantic intimacy.

Lastly, I did not find that the Leesa Hybrid trapped heat, a common problem for memory foam. I'm a hot sleeper, and we were using the mattress during the height of summer heat. Regardless, I did not experience night sweats, which are an occasional problem for me.

Some concerns about the mattress are the weight and price

The Leesa Hybrid is outstanding and finding flaws was difficult. Yet, I was somewhat disappointed in the foundation. During assembly, I found that some of the screws used to mount the corner connectors to the ends of the frames were loose. And, the connectors didn't fit together smoothly.

With other frames I've assembled, the slats are held in place with Velcro, and sometimes, the slats feature sticky strips that loosely adhere to the mattress to prevent sliding. There isn't anything holding the Leesa Foundation's slats in place. That said, I have not experienced any slat-related problems.

My only other complaints about the foundation are really just a matter of preference. It's nice having some clearance under the bed for storage. The Leesa Foundation doesn't offer that, but they do sell a platform bed. Fortunately, there is no need to clean under the bed since there's little chance for debris to sneak in. 

Though I think it is worth it, the Leesa Hybrid mattress is more expensive than the vast majority of online mattresses. However, it is a hybrid bed, which tends to run more expensive. And, when you consider that the mattress will last you for more than a decade, the added expense seems trivial.

Another concern is how incredibly heavy and unwieldy the mattress is. Fortunately, we just bought our first home and hopefully (knock on wood) won't have to move any time soon. But, if you are someone who moves frequently, you may want to enlist the help of professionals when it comes time to move this massive mattress.

Other alternatives you may want to consider

Bear has a hybrid mattress that is priced about the same as the Leesa Hybrid. A fellow writer for Business Insider reviewed it and was floored by the comfort. The layering construction is pretty similar to the Leesa Hybrid, only there is a layer of gel memory foam instead of Leesa's patented LSA200 foam. Also, at 14.5", the Bear hybrid is much thicker. It also offers a 100-night trial.

Another hybrid option available online is the Allswell mattress backed by Walmart. I had the opportunity to test the Allswell before the Leesa Hybrid mattress and found it to be slightly firmer. The Leesa Hybrid fit my personal comfort preferences more closely. Although, at $585 for a queen-size (the largest it comes in), the Allswell is much more affordable than the Leesa Hybrid.

Bottom line

Thanks to my job and my living arrangement, I have the opportunity to try several different bed-in-a-box brands and I choose the Leesa Leesa Hybrid as my main bed. The edge support is outstanding. There is very little motion transfer if my wife decides to get up early, which isn't really much of an issue because she rarely wants to leave the comforts of the bed before me. I have not had any trouble falling asleep and staying asleep.

However, if the Leesa Foundation were to break for some reason, I would not replace it. It looks nice and appears to support the mattress well, but I was not impressed with the construction of it, and I think there are better alternatives out there for the price.

If you're into the Leesa, there's a special deal for $200 off the Leesa Hybrid Mattress. The discount is automatically applied at checkout.

 

Join the conversation about this story »

As a shoe collector, I swear by these $10 foam inserts for preventing creases on my sneakers

$
0
0

ForceField

  • I collect sneakers, and for the last 10 years, I've been using ForceFields to prevent my pairs from creasing while I wear them.
  • ForceFields' foam inserts go in the toe box of your shoe. They stay in place and they're so comfortable that you won't even notice them.
  • They're available in sizes small, medium, and large to accommodate most shoe sizes for men, women, and kids. 

Some sneaker collectors treat shoes like sacred artifacts that are only to be handled with clean white gloves in temperature-controlled environments and are never to be worn. And then there's me.

I believe that all sneakers are meant to be worn, no matter how rare or expensive they are, and that's exactly what I've done with my constantly growing collection. 

However, my willingness to wear all the sneakers that I own doesn't mean that I don't take exceptionally good care of them. In fact, I care a lot about keeping my sneakers in great condition. I've written about some of my favorite cleaning products and weather-proofing sprays, but my best-kept secret for maintaining fresh sneakers is ForceFields.

ForceFields are small foam inserts that slide into the toe boxes of your shoes to prevent creasing. They're designed to stay in place and to fit comfortably, so your toes won't feel bunched up when they're in. The premise and design are simple, but the product is so effective that I've been using them for the last 10 years. 

Nike AF1 with ForceFields

When I first started collecting sneakers a a high schooler in about 2008, I didn't have the funds to buy new pairs all the time, so I would try to fix the creases I'd created in my sneakers. After trying some of the rather creative crease-removal methods from around the internet (trust me, literally ironing the creases out of your shoes isn't a great idea), I learned that for the most part, stains and dirt can be removed — but creases cannot. So it's always worth popping a pair into your new sneakers before you wear them. 

I've used ForceFields with plenty of styles: Nike Air Force 1, Nike SB Dunk, and Air Jordans 1, 3, 4, 5, 8, and 13 — but they can be worn with conceivably any sneakers are that prone to badly creased toes.

The idea of stuff something inside your shoe might sound uncomfortable but I often forget that I'm wearing them. If they weren't comfortable to wear, you can bet that I would have given up on them long ago. They come in small, medium, and large sizes to accommodate different shoe size, so almost anybody can wear them. Simply order the correct size according to your shoe size and you'll have a comfortable fit.

Small fits kids' shoe sizes 4-7 and women's shoe sizes 5-10.

Medium fits men's shoe sizes 8-11 and women's shoe sizes 10.5 and up.

Large fits men's shoe sizes 11.5 and up.

Whether you just bought a brand new pair of sneakers or you're planning to replace a worn-out favorite soon, I strongly recommend buying a pair of ForceFields, too. Order a pair now and keep your sneakers fresh and free of creases. Take it from me — you can't fix creases, you can only prevent them.

 

Join the conversation about this story »

A 34-year-old freelancer who quit the job she hated and now makes $200,000 a year debunks 5 of the biggest myths she's encountered about becoming your own boss

$
0
0

Morgan Overholt

  • At 31, Morgan Overholt found herself stuck in a job she hated, feeling underpaid, overworked, mistreated, and creatively stifled. 
  • Today, she's a full-time freelance graphic designer earning $200,000 a year, working out of a corner office in downtown Miami.
  • She describes her journey to career satisfaction, as well as the five big myths she encountered along the way.
  • Click here for more BI Prime stories.

I've always dreamed of having a high-profile corporate career. I knew that if I just worked hard enough, one day I'd have my name on the door of my very own corner office in some beautiful, big-city high rise.

However, at just 31 years old, I found myself stuck in a job that I had grown to hate. I felt underpaid, overworked, mistreated, disrespected, and creatively stifled.

And so, one rainy April morning, I walked into my boss's office, told her I was done, and sought out to achieve the success I so desired — on my own terms.

Today, I'm a full-time freelance graphic designer earning $200,000 a year, working out of my own corner office in downtown Miami.

Although perceptions of freelancing are becoming increasingly positive as more professionals adopt this lifestyle, I find that there are still a host of misconceptions about this career path.

Here are a few of what I have found to be some of the most popular myths, debunked, and how freelance has helped me create the kind of career that I never would have been able to achieve with a traditional employer.

Myth #1: "Freelancing is unstable, and there's a lot of uncertainty"

My income is much more stable than that of a traditional "9-to-5" worker.

People lose their jobs every day due to circumstances beyond their control — recessions, layoffs, or simply being on the wrong end of bad office politics. If you haven't been through it personally, I am sure you know someone who has, and it's heartbreaking.

When you work a "regular" job, your employer holds your fate in their hands. It's like having all of your eggs in one basket. I, on the other hand, have multiple sources of income, and no one is in charge of my fate except me. I've procured several large contracts and I know what to expect each month.

Worst case scenario, if I lose a contract, I simply replace it with another. Who knows, my next contract might have a bigger budget with even more hours. Career opportunities for freelancers are seemingly endless.

Myth #2: "You can't earn enough money to make a living" 

As a salaried employee, I was making $75,000 a year and regularly being denied raises. In my last job, I was told I would have to wait years before being considered for a pay increase.

Today, I average $200,000 a year and am seeing constant, steady growth.

And I'm not the only one — according to new data from Upwork and Freelancers Union, 82% of freelancers say they earn more than their peers with the same or similar experience level in the same line of work.

Clients want quality and are willing to pay for it; a professional freelance graphic designer can command rates as high as $200 an hour (or more!).

Myth #3: "Freelancing is a fad"

Freelancing is not a fad. As a freelancer, you're running your own small business, and I have no plans of ever returning to a "regular job."

Like many other freelancers and small business owners, I am proud of the career that I've built — and trust me, once you get a taste for that freedom, there's no going back.

According to the same Upwork and Freelancers Union study, 76% of freelancers say they feel happier now than they did in a traditional job. Even more telling, 54% say there is no amount of money where they would return to a traditional job.

After all, who wouldn't prefer setting their own hours, setting their own pay, and being their own boss?

The number of full-time freelancers has grown by 11% in the last five years, with over 3.7 million US workers opting for this nontraditional career path.

Today, I work with nationally recognized clientele on a regular basis, like the CDC Foundation (CDCF), Kimberly-Clark, and the National Library of Medicine (NLM). I truly believe these kinds of opportunities would have never come my way had I remained a salaried employee.

And the fact that more and more well-known companies and organizations are looking to expand their workforce with freelancers suggests that freelancing is more than a fad and instead here to stay.

Myth #4: "Freelance is too competitive, I won't win enough work"

I stay so busy that I turn down job offers nearly every day — and I'm not alone. According to the same study I referenced earlier, 72% of freelancers claim that they currently have "the amount (or more) of work that they want."

In fact, I would argue traditional jobs are much more difficult to secure than freelance gigs.

Traditional job seekers are often limited by location and the opportunities their area market has to offer. Freelancing gives you access to a global marketplace with millions of possibilities, spanning hundreds of industries.

Additionally, winning over a potential client isn't like playing the lottery. Your odds of winning isn't a simple "luck-of-the-draw"-type scenario. You have control over your own outcome.

In my experience, many freelancers are simply not qualified for the job at hand or lack the ability to sell themselves and their services — which is why I am able to consistently stand out in the crowd and win quality gigs. 

Spend less time worrying about the competition and more time thinking about what you can do to be a rockstar in your field and write proposals that potential clients won't be able to resist. 

Myth #5: "Online freelance marketplaces don't work"

This myth seems to be perpetuated by droves of scary internet articles that are happy to tell you all the reasons why you should give up before you even try freelance sites like Upwork, Freelancer.com, and Fiverr. 

But I am living proof that the haters are dead wrong. 

I credit a large part of my success as a freelancer to online marketplaces — and they still comprise about half of my total revenue stream to this day. I've made over $200,000 on Upwork alone in just two years on the platform. 

It's like fishing in a pond where you know the fish are biting. I cringe to think about the income that I would have given up had I listened to those dissenting voices that told me it "wasn't possible."

And yes, some of these sites charge "fees" to use their service or take a percentage of your earnings as commission. But even a 20% commission means a 80% profit margin for the freelancer. Most retailers would kill for those kinds of numbers.

Treat your freelance career like it's a small business, get your head in the game, and use every available tool in your arsenal to get out there and start earning.

If you are feeling stuck in your current situation and considering making the leap to the freelance lifestyle, don't wait like I did. Do your research, hone your skill set, and utilize every tool in your arsenal. Put yourself out there and see what happens.

Remember, nothing worth having comes easy — but with the right amount of hard work and dedication, success is absolutely possible. Freedom awaits.

This article has been revised since it was originally published on Business Insider July 16, 2019.

SEE ALSO: The ultimate guide to going freelance — and making more than you did at a full-time gig

READ MORE: I earn three times as much as a freelancer as I did in my full-time job. Here are the 5 lessons I've learned about going off on your own.

Join the conversation about this story »

NOW WATCH: Taylor Swift is the world's highest-paid celebrity. Here's how she makes and spends her $360 million.

A stunning Victorian home built in 1891 just came on the market in San Francisco for $4.5 million

$
0
0

132

  • A 4,000 square foot home is on the market in San Francisco for $4.5 million.
  • It's a Queen Anne-style Victorian and was built way back in 1891.
  • It has five bedrooms, including an in-law apartment that could be rented out or purchased separately.
  • Visit Business Insider for more stories.

Victorians are iconic to San Francisco, and now a great example is on the market. 

This 1891 home in San Francisco's Eureka Valley is in great shape despite it's more than 100 years of age. New hardwood floors, plus updated bathrooms and kitchens brought the home into the 21st century, with charming historic details like stained glass and crown molding in place.

Photos show this light-filled home at 251-253 Collingwood Street has stunning views, and plenty of outdoor space, with a charming porch. The entire home is available for $4.5 million, with the option to purchase the main house and smaller apartment separately. The main home is on the market for $2.995 million, and the one bedroom, one bathroom apartment is on the market for $1.495 million. It might be hard for buyers to pass up the entire property, though.

The house is listed with Suzy Reilly at Compass.

Take a look inside this picturesque Victorian home.

SEE ALSO: Inside Slack's wild San Francisco headquarters, where each floor is designed to look like nature — from rocky deserts to soothing waterfalls

The tri-level home was built in 1891.



Despite its age, the house is surprisingly well-maintained.



It's a traditional Queen Anne-style Victorian, but with modern updates.



The eat-in chef's kitchen is modern but integrated into the historic feel of the home.



The main house also has a grand living room...



...and formal dining room.



The living room's highlight is the marble fireplace.



Historic touches throughout nod to the home's background, from stained glass windows to crown molding.



White oak flooring and 12-foot ceilings add to the space.



In addition to the main living areas, this home also has an additional bedroom, with its own kitchen and bath.



The master suite has a fireplace and a balcony.



The balcony is private with coverage from trees.



The attached bathroom has a glass ceiling and a succulent garden.



The bedroom, like most rooms in the house, has large windows that let in plenty of natural light, and access to some of the best views in the Bay Area.



Other bedrooms in the 4,000-square foot home have similarly stunning views.



The outdoor space is where the real charm of this property lies.



The deck is connected to the main kitchen for seamless indoor and outdoor living.



The home is located in San Francisco's Eureka Valley...



...which typically gets more sun and less wind than the rest of the city.

Source: SFGate



Nice weather and comfortable furniture make the outdoor area especially inviting.



The house affords multiple views of downtown San Francisco.



A small gazebo echoes the architecture of the main house.



For $4.5 million, this historic property and cozy outdoor space could be yours.



Viewing all 116840 articles
Browse latest View live




Latest Images