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As Italy eases its restrictions, residents reflect on the ways life has changed in Europe's longest lockdown

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A woman walks past the ancient Colosseum, downtown Rome, Italy, May 28, 2017. REUTERS/Stefano Rellandini

  • Italy began easing its coronavirus restrictions on May 4.
  • Before that, the country had been carrying out one of the world's strictest lockdowns, and the country is still urging people to follow social distancing.
  • Business Insider talked to a handful of people throughout Italy about how they had been navigating the lockdown and what they were doing with some of their new freedom.
  • Visit Business Insider's homepage for more stories.

People living across Italy, from the northern hills to the shores of the south, have faced some of the strictest forms of lockdown following an explosion of coronavirus cases in early March.

Both children and the elderly were forbidden from leaving homes in many regions, with all nonessential travel prohibited for well over 45 days.

The country began easing restrictions May 4, but Italians are still coming to terms with their experience in what had been Europe's longest lockdown.

Emptiness in Rome

Valeria Grilli, a 67-year-old architect, lost her husband just a couple of months before Rome's coronavirus lockdown. At a time when many families were forced to hunker down together, she was living alone in her apartment in the city center. But she refuses to feel lonely or stop working.

"I'm still very active!" she says, adding that she has been embracing technology with calls from friends over WhatsApp and Skype.

Still, she won't jump on the baking bandwagon for the sake of it.

"I am definitely not baking, but I do have a Zoom group with friends in London and Athens where we exchange views or even recipes," she says. "It's impossible to find yeast in all of Rome!"

With Rome so reliant on tourism, she fears many of the city's businesses "may never reopen." The location of a four-bedroom apartment she owns just five minutes away from Rome's Forum is no longer enough to win over renters. Three students have given up their rooms since the lockdown began to move back home.

"It's a confusing time," she says.People walk in an almost empty Via del Corso, as Italy tightens measures to try and contain the spread of coronavirus disease (COVID-19), in Rome, Italy March 23, 2020. REUTERS/Remo Casilli

"I'm quite rational, I get up the usual time, I eat at the right time. Just like before. But many people sleep until noon and eat at 4 p.m. Because life has no rules in this time. Who cares about rules!"

She thinks that Southern Italy should not have been as strict in its lockdown as the northern region of Lombardy and that a more tailored approach at a regional level was needed. She's concerned the heavy concentration of coronavirus cases in Northern Italy has caused divisions in public sentiment. Italy's south is known for precarious jobs often undertaken by unauthorized migrants, many of whom began to face even more uncertainty under lockdown.

"There's always been a difference between Milan and Rome," she says. "We are back to this difference."

If Grilli refuses to feel lonely, so too does she refuse to feel old. The coronavirus to her seems incompatible with Italy's idea of what constitutes "old." Because age has been identified as a coronavirus risk factor, those older than 60 face constant reminders that they are now considered elderly.

About 23% of Italy's population is over 65, the largest proportion in the European Union.social distancing rome shop

"You have to remember in Italy, people generally speaking retire at 67," she says. "We don't understand why people of 60 year must be considered old and can't go out. It drives me crazy. I am perfectly fit."

Grilli toasted the lifting of Italy's restrictions drinking coffee with her neighbors in the street. She's even managed to leave Rome and has taken time out in a farm soaking up as much greenery as she can.

Smelling the coffee in Veneto

Marianna Pop lives in Veneto, a region that has recorded the fourth-most coronavirus cases in Italy. Just 37 miles away from Venice, she saw orders at her coffee shop dry up despite its remaining open. With no tourists, the only customers now are Italians, and only at a stretch.

"We have the majority of Italy's businesses in this district alone, and it's the richest part — all the factories are here," she says.A worker wears a protective face mask in a factory of roll-forming machine maker Gasparini, amid the coronavirus disease (COVID-19) outbreak, in Mirano near Venice, Italy April 15, 2020. Picture taken April 15, 2020 Gasparini/Marco Brazzolotto/Handout via REUTERS

Her lockdown started March 12. She says locals became "sick and tired." The mood is lifting as restrictions have eased, with a touch more coffee and the chance to see her family on the other side of town.

The 26-year-old still misses the cinema, though. Netflix no longer cuts it. She often worries about businesses going bust. Her family owns a restaurant that she says could well be the "very last to open."

"The situation is hard because we don't have any information on what will happen," she says. "Will people feel safe again to go to a bar or restaurant?"

Just like Grilli in Rome, Pop has noticed a dearth of yeast in lockdown.

She says she previously lived a "rushed lifestyle" in London and is glad she didn't need to live under lockdown in such a cramped, populous city. But Italy could change in ways unforeseen before the pandemic.

"Culturally Italy will be a little different, but the process will be slow," she says. "We'll understand that not everything we did was the best way to do it. Companies will understand that remote working can be helpful for employees. Grandparents have started using smartphones to call and see their families, so an acceptance of technology will be the new future. This process will start now. In England, it's something that already has happened."

Separated from loved ones in Tuscany

Irene Borelli, 34, works from home with her boyfriend. Luckily, their house is spacious enough on the outskirts of Pisa in the region of Tuscany. She too has witnessed a quiet tech revolution underway in Italy, though, she said, "Amazon seems to be working just fine at this moment!"

Five thousand people live in her suburban town, a common theme in Italy's spread of smaller, gentler living.

But she misses the high-intensity social interaction of going to the gym and rock climbing in the mountains.

"I miss having beers and my friends," she said. "Or having dinner! My parents live in Milan — I miss them a lot. I get worried about them, and when you have family in the center of the whole pandemic, it can make you anxious."

"They're old and stubborn, and my mum has early dementia," she added. "My dad kept going out every day."

Unproductive down south

Poverty in southern italyDown by Italy's southern "heel" in Puglia, sunshine contradicts the mood. Before restrictions eased on May 4, Nicola Novielli; his wife, Daniela; and their two children had been more or less crammed indoors since March 9. Restrictions on children going outside have caused the two toddlers to feel as if they're in "prison," Nicola said, and because of their young age, they are unable to express the effects lockdown has had on them.

"They don't understand what's going on, and they can't express themselves," he said. "But I can see they're stressed, and it's having an impact. Children too are changing their habits."

The family of four more recently has been able to enjoy the freedom of playing games outside together. Uncertainty remains, however, about Daniela's accessory shop, which has been closed for a month and a half. With rent and taxes still to pay, they don't know how they'll reopen.

"The government helped with 600 euros after a month and a half!" Nicola said. "We have covered 60% of rent, but it's not cash. We need liquidity now."

Nicola, a 38-year-old statistician, suggests productivity at home is "at 30%." What's certain is that just like his counterparts all over Italy, his family can't avoid cooking and baking.

"We've taken on 4 kilos from eating," he says, "but it's only natural."

SEE ALSO: Italy, France, and Spain are starting to lift their lockdowns after reporting their lowest coronavirus death tolls in weeks. Here's what life is like under the new rules.

Join the conversation about this story »

NOW WATCH: Inside London during COVID-19 lockdown


Airbnb CEO Brian Chesky predicts a wildly different future of travel and living, and it sounds pretty great

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Brian Chesky

  • Brian Chesky, CEO of Airbnb, predicts that after the pandemic, there's going to be a big change in the reason people travel: They will be traveling for fun, not for work.
  • Previously, people have traveled for work and entertained themselves on screen. That's a pattern he predicts is about to invert.
  • There could also be a rise in people choosing to live as digital nomads because they won't be tied to one city for their job.
  • Chesky is one of more than 200 CEOs who shared their thoughts with Business Insider on how the coronavirus will change the world.
  • Visit Business Insider's homepage for more stories.

As the coronavirus pandemic spread around the world, demand for travel plummeted to nearly zero. 

Brian Chesky, CEO of Airbnb, which has a business model that relies on people's desire for community and exploration, has a few bold predictions about what travel will look like once the pandemic eases and people feel more free to venture out into the world again. 

Chesky is one of more than 200 chief executive officers who spoke with Business Insider for a project that examines how the coronavirus pandemic will change the world

First, when it comes to leisure travel, Chesky said that people will likely start off by booking more affordable trips that are closer to home. The State Department currently has a Level 4 health advisory in place that warns against all international travel due to the uncertainty of the pandemic. It's not yet clear when the advisory, which was effective as of March 31, will be lifted. 

Plus, with unemployment soaring to new heights, a trip abroad will likely be out of the picture for many, even once it is safe to resume. A record 20.5 million Americans lost their jobs in April.

Traveling for fun, not for work

Chesky said that business travel could also look substantially different in the future. 

"I think we're seeing that you can do a lot [via] video conferencing, and that's going to have a big impact on how often people travel for work," Chesky said. 

Chesky's thoughts around business travel were echoed by several other CEOs who spoke with Business Insider. Many said they would be more selective when scheduling work trips in the future. 

"We used to do a lot of travel for work and then we entertained ourselves on screens. That's going to inverse," Chesky said. "I think we'll work more on screens and entertain ourselves in the real world."

Many people watching the travel industry have predicted that vacations will come back before business trips do. The road trip, in particular, might see a resurgence.

"As home isolation orders are lifted yet physical distancing remains top-of-mind, we anticipate road trips and personal auto travel will rebound faster than group travel," Andre Haddad, CEO of car-sharing platform Turo, told Business Insider.

The freedom to choose where — and how — you want to live

The CEO is also predicting a different trend, one that is in direct opposition to the idea that more people will want to travel locally. He says there could be a rise in people choosing to live as digital nomads and that the homesharing company will focus more on longer-term stays to accommodate those needs.

People choosing to work remotely while traveling to different countries was already a growing trend before the coronavirus. Some have argued that the pandemic has exacerbated common issues in cities  — population density and a high cost of living, to name a few — that will eventually lead to a mass exodus from America's urban centers. 

"Many people are realizing they don't have to be tethered to one city. So you'll see more people who are going to choose to live around the world, spending a few months at a time in different places," Chesky said.

This idea was echoed by Eventbrite CEO Julia Hartz, who pointed out that the Spanish Flu of 1918 was followed by a period of renewed human connection in the Roaring Twenties. 

"We will return together through live gatherings as we did following the Spanish Flu," Hartz said.

Likewise, Chesky is confident that people will still want to travel in the future. 

"In 1950, 25 million people crossed a border, and last year 1.4 billion people did. That happened because there is an innate human desire to travel, to explore and that is never going to go away," he said. "Travel may be on pause, but it's going to come back."

Troy Wolverton contributed reporting.

SEE ALSO: WHAT'S NEXT: 200 leaders look into the future of business

Join the conversation about this story »

NOW WATCH: Why thoroughbred horse semen is the world's most expensive liquid

4 out of New York's 5 largest cities saw an increase in home prices in April — here's a breakdown of each market and how much prices went up

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NYC

  • Business Insider used data from Zillow, the largest platform for real-estate listings in the US, to determine which housing markets saw the biggest price increases in April.
  • The data looked at 100 of the largest metro areas in the US and found that four of the largest metros in the state of New York saw a month-over-month increase in median listing price, ranging from 0.5% to 2.6% .
  • Visit Business Insider's homepage for more stories.

The coronavirus outbreak has brought most housing markets around the US to a halt. In fact, on May 8, about 199 million Americans were still under some form of lockdown.

These restrictions have forced prospective buyers and eager sellers to turn to virtual tours as an alternative way to shop and advertise homes. But despite the use of applications like Zoom and FaceTime, the upward momentum the industry experienced in the beginning of 2020 reversed course as a result of the pandemic.

In the last week of March, new listings were down 36.9% from the same time last year. For the week ending April 17, that decline spiked to nearly 50%, according to Redfin, while Realtor.com reported that for the week ending May 2, new listings were down 39% from the same time last year.

Using data on the 100 largest US metros provided by Zillow, Business Insider found that home prices fell in some markets too, but not by nearly the same percentage of new listings. And in other markets, prices have actually gone up.

In fact, in New York, four of the state's five largest metro areas saw a month-over-month increase in median listing price from April 3 to May 3. The only one that saw a decrease was Albany, down 0.8%.

Keep reading for the list, ranked from the smallest to largest month-over-month increase.

SEE ALSO: Here are the 10 US cities where home prices increased the most in April — none was in the Northeast

DON'T MISS: Here's how much home prices will drop over the next year — and when they're expected to hit bottom

1. The median listing price in the New York City metro area saw a month-over-month increase of 0.5%.

Median listing price: $592,183



T3. The median listing price in the Buffalo metro area saw a month-over-month increase of 2.4%.

Median listing price: $198,243



T3. The median listing price in the Rochester metro area saw a month-over-month increase of 2.4%.

Median listing price: $248,924



4. The median listing price in the Syracuse metro area saw a month-over-month increase of 2.6%.

Median listing price: $199,890



9 companies boosting benefits so employees don't feel isolated or lonely in the middle of the coronavirus crisis

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starbucks barista

  • Amid the coronavirus pandemic, more companies are stepping up their mental health benefit offerings for employees. 
  • Some 53% of 256 employers surveyed by the National Alliance of Healthcare Purchaser Coalitions reported providing special emotional and mental health programs for their workforce because of the pandemic. 
  • Here are several companies, including Starbucks and Target, that have boosted their mental health resources in the wake of the global outbreak. 
  • This article is part of Business Insider's ongoing series on Better Capitalism.
  • Visit Business Insider's homepage for more stories.

The coronavirus pandemic has upended life as we know it for millions of Americans, causing feelings of anxiety, depression, and grief. An ongoing survey of more than 80,000 people from survey provider SurveyMonkey found that 86% of Americans are worried about the outbreak in the US.

The silver lining is that companies are stepping up to help their employees by expanding their mental health benefits.   

A recent survey of 256 companies by the nonprofit employer group the National Alliance of Healthcare Purchaser Coalitions found that 53% of employers are providing special emotional and mental health programs for their workforce in the wake of the pandemic. 

These include changes in employee assistance programs, discounts on mental health apps, and more virtual service options like remote yoga classes. 

Here are nine companies that have made changes to their wellness benefits in the wake of the coronavirus pandemic.

SEE ALSO: Mental health benefits are becoming America's most competitive office perk in the age of coronavirus

Starbucks is giving employees and their family members 20 free counseling sessions a year.

Starbucks announced that beginning April 6, all of its employees (which the company calls "partners") who work 20 hours or more per week will now be entitled to expanded mental health benefits through its employee assistance program (EAP). 

Each employee and their family members will be able to access 20 sessions a year with a mental health therapist or coach through the provider Lyra Health, at no cost. The benefit rollout will impact more than 220,000 US workers and their family members, according to Ron Crawford, vice president of global benefits at Starbucks.



Target is expanding its offering of online mental health resources.

Target is offering its US employees access to free online resources to support their mental, emotional, and physical health. Employees will receive a year of access to Daylight, a website and app designed to help users navigate stress and worry, and Sleepio, an app that provides self-help tools to improve sleep.

For the month of April, employees will also be able to access free virtual fitness classes through the app Wellbeats. Before the pandemic, Target employees already had access to the company's EAP program that, among other benefits, offers five free counseling sessions. 



PwC is offering employees access to well-being coaches.

PwC recently introduced well-being coaching sessions where employees can reach out to a professional coach to discuss anything that may be causing them stress. They also created an online community for workers to connect with one another to discuss challenges they're facing surrounding coronavirus.

The firm already offers employees and dependents six free therapy sessions, confidential emotional support via mobile app, and free apps on guided meditations, sleep, breathing, and relaxing music.



SoFi is giving employees and select family members up to six therapy sessions.

In light of COVID-19, SoFi, a loan refinancing and personal finance company, has started providing employees, and up to three dependents over the age of 18, access to a mental health platform called Modern Health, in addition to in-network coverage of mental health providers included in their employee health plan. Modern Health offers employees up to six in-person or video therapy sessions and a range of digital resources like classes on meditation.  



Kickstand Communications is providing employees with a more flexible schedule.

Kickstand Communications, a public relations, content marketing, and social media agency, already provides employees with a monthly wellness stipend that can be used to pay for mental or physical health. Because of coronavirus, the company recently began providing employees with a more flexible work schedule, and three hours per week to step away from the computer and recharge. 



TransferWise is giving employees a 50% discount on mindfulness apps like Headspace.

Global technology company TransferWise already offered its 2,000 employees counseling sessions with mental health professionals through its EAP. Because of the pandemic, however, the company is offering employees discounts on various well-being services, such as 50% off Headspace, a mindfulness and meditation for stress and sleep. TransferWise is also increasing its offerings of wellness-related Zoom events, from yoga and salsa dancing to meditation and a book club.



Clearcover is hosting a digital roundtable session with a mental health counselor.

Auto insurance company Clearcover is hosting a digital session with a counselor through its EAP to discuss mental health during social distancing and quarantine. The company has also set up a slack channel on mental health and productivity to encourage conversation around the topic. 

Prior to the pandemic, the company offered employees three free sessions with a counselor, regardless of whether they were enrolled in medical benefits, along with unlimited PTO days. 



EY is offering its employees 24/7 resources through its program EY Assists, which connects employees to healthcare professionals.

The professional services firm is offering 24/7 resources through its program EY Assist, which connects employees to healthcare professionals. In addition, the company is offering small discussion groups to employees on mental health, webinars on managing stress, and virtual coaching sessions. 



Salesforce has started offering employees a series of articles and webinars on emotional health, as well as a meditation app, in addition to other benefits.

In addition to its already existing employee assistance program that includes free face-to-face or video counseling sessions, Salesforce has begun offering employees access to Thriving Mind, a series of articles and webinars on emotional health created in partnership with Stanford Medical and Thrive Global. The company has also launched a live webinar series called B-Well Together with figures like Arianna Huffington and Deepak Chopra, a daily well-being survey to track employees' mental health, as well as access to Plum Village's Zen Meditation app

 



19 signs that you're a narcissist and don't even know it

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woman putting on makeup

  • Narcissistic behavior includes self-righteousness, a pattern of cheating in relationships, and taking advantage of other people.
  • We put together a list of 19 typical behaviors of narcissists, based on research and expert opinion.
  • This list isn't intended to be diagnostic, but it can give you a good idea of whether you or someone you know might be a narcissist.
  • Visit Business Insider's homepage for more stories.

Narcissistic personality disorder, according to Psychology Today, is characterized by "grandiosity, a lack of empathy for other people, and a need for admiration."

The traits that make narcissists so difficult to hang out with or date — a willingness to control people and a ruthlessness in getting their needs met — happen to make them effective at rising up the ranks. Narcissists make up about 1% of the population, so among the hundreds of people you know, chances are there are quite a few narcissists mixed in. 

To help you figure out if you (or perhaps your boss) are a narcissist, we combed through the psychology literature looking for patterns of narcissistic behavior. We also spoke with Joseph Burgo, PhD, a psychologist and the author of "The Narcissist You Know."

Here are 19 common signs of narcissism, and how to identify them.

This is an update of an article originally written by Vivian Giang, with additional contributions by Drake Baer. 

SEE ALSO: 11 ways to ruin your relationship for good

DON'T MISS: The top 10 reasons couples go to therapy, according to a psychotherapist

1. You are a bad sport

Burgo says some narcissists are bullies — and one of their most troublesome traits is their tendency to be a sore loser and a sore winner.

For example, when they lose in a sports match, narcissistic people might try to humiliate the referee. When they win, they might gloat excessively or act abusively to the losing party.



2. You constantly feel under appreciated

The kind of people that Burgo calls "grandiose" narcissists always hold a grievance against the world.

Those with narcissistic behavior will typically feel entitled to something better and think they're not getting the recognition they deserve from others.



3. If you're not grandiose, then you're introverted, hypersensitive, defensive, and anxious

Psychologists talk about the "two faces of narcissism." On one end there's the hyper-aggressive, super-loud type. But there's a softer form of narcissism, too. It's called "covert narcissism," which is denoted by introversion, hypersensitivity, defensiveness, and anxiety.

"Both shades of narcissism shared a common core of conceit, arrogance, and the tendency to give in to one's own needs and disregard others," Scientific American reports.



4. You think everyone else is stupid

Many narcissists are know-it-alls, and have a hard time getting along with coworkers and friends because they refuse to believe they could possibly be wrong about anything.

Burgo has observed that these narcissists walk around with a marked sense of superiority to others and have a "my way or the highway" approach to decision-making.

 



5. You really like to swear at people

Psychologists Nicholas Holtzman and Michael Strube from Washington University in St. Louis found in a study that subjects who scored higher in narcissism are argumentative and curse more than their modest counterparts.

They also tend to use more sexually explicit language.



6. You are self-righteous

Narcissists often believe their views are inherently superior to other people's perspectives. But what they truly value is the attention they receive for holding those views.

For example, Burgo said, a person with narcissism might believe he has a closer connection to God — but it's more important to him that other people acknowledge this connection and admire his deep sense of spirituality.



7. You feel justified in being mean to people

"Vindictive" narcissists generally know vengeful or antisocial behavior isn't acceptable. But they feel OK about acting that way because they constantly feel they've been wronged, Burgo said.

What's more, they often take offense where it's not intended, meaning they're constantly hearing people say, "That's not what I meant!"



8. You enjoy leading others and telling them what to do

Narcissists typically enjoy leadership positions since they are able to dominate others and fulfill their need for constant positive reinforcement.



9. You are likely young and male, and maybe an entertainer

"A narcissist monk would not be good, but to be Kanye West and a narcissist is fantastic," said University of Western Sydney psychologist Peter Jonason, an expert on social psychology. 

After 34,653 face-to-face interviews, psychologist Frederick Stinson found that men tend to be more narcissistic than women across their lifespans.

Narcissism is believed to peak during adolescence and decline with age.



10. You hate having to feel emotions

The "very fact of having a feeling in the presence of another person suggests you can be touched emotionally by friends, family, partners, and even the occasional tragedy or failure," says Harvard Medical School psychologist Craig Malkin.

That's why narcissists abhor them.

Feeling an emotion "challenges their sense of perfect autonomy," he continues. "To admit to a feeling of any kind suggests they can be affected by someone or something outside of them."

As a result, narcissists tend to change the topic of conversation when feelings come up — especially their own. 



11. You're more attractive than other people — or at least you think you are

Narcissists are generally rated as more stylish and physically attractive, according to a study conducted by Simine Vazire, a psychologist at Washington University.

However, this isn't always the case. According to a 2008 study, narcissists rated themselves highly in both looks and intelligence, but when they took IQ tests, the results were average. When their peers were asked to rate their narcissist friends on looks, the results were lower than what the narcissists gave themselves.



12. Instead of listening, you just wait to speak

Anita Vangelisti, a psychologist at the University of Texas in Austin, found that narcissists typically prefer to keep the conversation centered on themselves, "making exaggerated hand movements, talking loudly, and showing disinterest by 'glazing over' when others speak."



13. You are a serial romantic

Burgo also identifies a group of narcissists he calls "seductive."

These people with narcissistic traits fall in and out of love quickly and easily, often with people they don't know very well. They think their partner is absolutely perfect — a complement to their own perfection — until reality sets in, when they realize their partner is flawed and end the relationship.



14. You cheat in relationships, and usually get dumped after dating for about four months

Psychologists Joshua Foster at the University of South Alabama and W. Keith Campbell at the University of Georgia found that narcissists are more likely to cheat once they think their partners are committed.

They also seem to get a rush out of convincing others to engage in promiscuous sexual acts that they normally do not participate in.

Through his research, Campbell also found that the four-month mark — the apparent satisfaction peak in any dating relationship — is typically how long it takes for someone dating a narcissist to see their true colors.



15. You put some people on pedestals

Malkin says the logic goes like this: "If I find someone perfect to be close to, maybe some of their perfection will rub off on me, and I'll become perfect by association."

With that ideal in mind, narcissists cozy up to people they find perfect — be it a colleague or a crush — and then get really disappointed when that person isn't as impeccable as they imagined.

For a narcissist, everything has to be perfect.



16. You like to put other people down

Narcissistic people intentionally put down others in order to maintain a high positive image of themselves.

"Seeking admiration is like a drug for narcissists," said Mitja D. Back, a psychologist at Johannes Gutenberg University in Mainz, Germany. "In the long run, it becomes difficult because others won't applaud them, so they always have to search for new acquaintances from whom they get the next fix."

This also explains why narcissists typically maintain only weak relationships.



17. Your parents both ignored and adored you

Research suggests a combination of parental rejection and excessive admiration is more strongly linked to adult narcissism than if one childhood experience consistently existed without the other.

The inconsistency and whiplash of the parents' attitude toward their children will eventually cause a "deep craving for admiration" and lead the narcissist to lead a life searching for fleeting ego boosts, Psychology Today reports.



18. You choose your friends to look cool or take advantage of people

Narcissistic men and women have different ways of choosing friends

Women choose male friends with high social status so they can feel a sense of worthiness. Guys choose bros who can "wingman" for them when they're trying to pick up girls, according to Psychology Today.



19. You always have to be in control

Just as narcissists hate to talk about their feelings, "they can't stand to be at the mercy of other people's preferences," Malkin says. "It reminds them that they aren't invulnerable or completely independent — that, in fact, they might have to ask for what they want — and even worse, people may not feel like meeting the request."

This is why they can be controlling without getting angry. In the case of romantic relationships, narcissists control people with disapproving glances, calls to change plans, and chronic lateness. This allows narcissists to undermine other people's ability to make choices. By doing that, narcissists maintain their sense of total autonomy — which they so desperately need.



Celebrate World Cocktail Day with these 7 recipes that will spice up any happy hour

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michters kentucky straight bourbon cocktail

  • Although your local bar may be closed this year, you can still celebrate World Cocktail Day from home with these signature cocktail recipes. 
  • Some cocktails require only two or three ingredients, while others allow you to flex your mixology skills with fruity add-ins.
  • Regardless of whether your go-to is a zesty margarita or a tasteful whiskey highball, these 7 drinks are sure to meet your happy hour needs.
  • Visit Business Insider's homepage for more stories.

World Cocktail Day  — a  bit of a boozy birthday celebration — marks the anniversary of the first published definition of a cocktail in 1806.

Although it falls during lockdown this year, that's no reason to dampen your celebratory mood. With spirits of all sorts and sizes that can be delivered right to your door, it's the perfect time to try your hand at cocktail-making, and maybe add mixologist" to your post-quarantine resume.

Maggie Kimberl, bourbon expert

And you can do it with ingredients and tools you already have. Maggie Kimberl, an expert bourbon mixologist, says as long as you find balance, your cocktails can include just about anything. 

"When you're going to make a cocktail at home, the most important thing is balance," she said. "Balance the sugar content, the sweet and sour. You don't want to do it too far on any end."

Even if you don't have bar tools, you can improvise: A mason jar, a clean cocktail shaker, a good spoon, and ice allows you to do just about anything.

So from classic whiskey concoctions to margaritas with a twist, here are seven cocktail recipes you can try out this World Cocktail Day. 

SEE ALSO: 11 easy cocktail recipes to make at home for a virtual happy hour or any special occasion

NOW READ: 16 easy cocktails to try during quarantine, according to influencers, bartenders, and people who can send alcohol straight to your door

1. Hibiscus Ginger Margarita

If you like something fruity, try this margarita from Miami-based eatery Bodega Taqueria y Tequila that is with flavors of hibiscus, orange, and lime.

Ingredients:

  • 2 oz. Casamigos Tequila
  • 1 oz. lime juice
  • 1/2 oz. Combier Orange Liqueur
  • 1/2 oz. hibiscus cordial
  • Raspberries for garnish

Instructions:

  1. Shake all ingredients vigorously in a cocktail shaker with ice
  2. Double strain with a standard strainer and a fine mesh strainer
  3. Serve in a rocks glass over ice
  4. Garnish with raspberries


2. Pineapple Chili Margarita

If a little bit spicy, a little bit sweet is more your style, try this margarita from Chris Chamberlain of Camarena Tequila that features muddled pineapple and swaps out a salt rim for a mix of chili powder and sugar.

Ingredients:

  • 2 oz. Camarena Reposado
  • 3/4 oz. simple syrup or agave nectar
  • 3/4 oz. lime juice
  • 1/2 oz. triple sec
  • 3 muddled pineapple chunks
  • Pinch of chili powder and sugar
  • Rosemary sprig, to garnish

Instructions:

  1. Add all ingredients into a shaker filled with ice and shake vigorously
  2. Rub lip of glass in chili mixture
  3. Strain mixture into a glass over ice
  4. Garnish with rosemary sprig


3. Tom Collins

This classic cocktail from Brooklyn-based mixologist Max Nussbaum is bubbly, refreshing, and requires only four ingredients

Ingredients:

  •  2 oz. gin
  • 1/2 oz. lemon juice
  • 1/2 oz. simple syrup
  • Soda water
  • Lemon wheel to garnish

Instructions:

  • Mix gin, lemon juice, and simple syrup in a tall glass
  • Fill glass with ice, top with soda water
  • Garnish with lemon wheel


4. Whisky Highball

Looking for something more low-effort? Make a "highball," which is a cocktail made simply from any spirit, poured over ice, and topped with a carbonated beverage. This can be a rum and Coke, gin and tonic, or Scotch and soda.

Try this traditional recipe from Japanese distiller The House of Suntory, featuring their Suntory Toki Whisky.

Ingredients:

Instructions:

  • Pour whisky over ice in a tall glass
  • Add chilled soda water
  • Garnish with shiso leaf or citrus slice


5. Cinco de Derby

If you're looking for a combination of holidays to celebrate this World Cocktail Day, why not try a novel Cinco de Derby, which combines tequila and champagne for a holiday surprise.

Ingredients: 

  • 2 oz. G.H. Mumm Grand Cordon Champagne
  • 1.5 oz. Avion Blanco Tequila 
  • 1/2 oz. blackberry cinnamon syrup (1 cup water, 1 pack blueberries, 2 cinnamon sticks, 1 cup sugar)
  • 1/2 oz. fresh lime juice 

Instructions:

  1. Make blackberry cinnamon syrup: Combine one cup of water, one pack of blackberries, and two cinnamon sticks broken up in a small saucepan. Warm the ingredients on medium heat until the blackberries start to split and release juice. Add one cup of sugar and gently stir to dissolve. Allow the syrup to cool down, then strain out the solids.
  2. Combine all ingredients into a cocktail shaker, and fill with ice
  3. Shake to chill and strain into a rocks glass over ice
  4. Top with G.H. Mumm Champagne (available on Drinks & Co)
  5. Garnish with fresh mint, lime, and fresh grated cinnamon


6. Summer's End

A Summer's End to start the summer with? Elliot Clark shares his drink, home, and lifestyle tips to over 63,000 Instagram followers. Here's what he shared with Business Insider.

Ingredients: 

  • 3 dashes of Angostura aromatic bitters
  • 1.5 oz. of Scotch whiskey 
  • 1/2 oz. of overproof rum 
  • 1 oz. of grapefruit juice 
  • 1/2 oz. of fresh lime juice 
  • 1/2 oz. of Velvet Falernum 
  • 1/2 oz. of Demerara syrup 

Instructions: Combine all ingredients into a cocktail shaker and fill with ice. Double strain the cocktail into a chilled coupe glass, and garnish with a pineapple leaf.



7. La Conga Blicoti

A Josephine-Baker inspired drink, this cocktail from Instagram influencer Hannah Chamberlain brings you to the tropics.

Ingredients:

  • 2 parts Frapin 1270
  • 1 part lime
  • 1/2 part Giffard Banane du Brasil 
  • 1/2 part Demerara syrup
  • Banana chips and/or tropical flower for garnish

Instructions:

  1. Shake all ingredients (other than the garnish)
  2. Double strain them into a coupe
  3. Garnish


9 famous paintings that sold at auction for millions more than their earlier value

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Basquiat painting Sotheby's

  • Business Insider teamed up with art investment company Masterworks to highlight some of the biggest value gains in art auction history.
  • These nine paintings, by artists including Andy Warhol and Jean-Michel Basquiat, sold at auction for millions more than their earlier purchase prices.
  • Masterworks helps people invest in blue-chip art, a category that includes artists such as Picasso, Basquiat, and Monet, and is often inaccessible to those who aren't worth millions of dollars.
  • Visit Business Insider's homepage for more stories.

Buying and selling art has long been known as a hobby for the ultrawealthy — because after all, who else can afford to splash out $110 million for a Basquiat, or purchase an Amedeo Modigliani for $150 million?

That's why Scott Lynn says he founded Masterworks, a company that allows people of all income levels to "invest" in "shares" of art purchased by the company that they would otherwise be unable to buy outright. This practice effectively enables "investors" to have partial ownership of a painting — and collect on their proportional share of any profit once Masterworks sells the painting.

"If you look at the art market today, there's no way to invest in it other than by buying a multimillion-dollar painting," Lynn told Business Insider, noting that his company sees the most interest in works from the impressionism period and onward, with millennials "particularly focused just on contemporary" art.

Masterworks teamed up with Business Insider to highlight nine of the biggest value gains in art auction history, showing that investing in fine art by blue-chip artists — art by artists who have historically performed favorably at auction, that retains its value or even grows in value significantly over time — can be a serious money-making endeavor.

Here are nine paintings that eventually sold for millions more than their earlier purchase price:

SEE ALSO: Wealthy art owners are raising cash from their collections amid the looming recession

DON'T MISS: You can now buy 'stock' in a rare $52,500 Hermès Birkin bag, thanks to an online investing app — here's how it works

Gerhard Richter — "A.B. Still," 1986

The painting: German visual artist Gerhard Richter, considered one of the most popular contemporary living artists, painted "A.B. Still," which sold at Sotheby's New York auction in 2016. At the time, it was expected to fetch $30 million, but ended up selling for a few million more.

Genre: Abstract

Bought by: An unnamed buyer from Germany

Previous sale: The painting was sold by the estate of Steven Ames, a former partner at the investment banking company Oppenheimer & Co. Ames had purchased the painting in 1991 for $264,000 ($467,000 in inflation-adjusted 2016 dollars), according to Art News.

Source: Art News, Sotheby's, Wall Street Journal



Andy Warhol — "Four Marilyns," 1962

The painting: Warhol painted "Four Marilyns" in 1962 as an homage to Marilyn Monroe's untimely death that same year. The painting is based on the promotional photographs from her 1953 film "Niagara." 

Genre: Post-war, Contemporary, Pop Art

Bought by: The painting was sold at a Christie's auction in 2015 for $36 million, which was below the target estimates of $40 million to $60 million, Bloomberg's Katya Kazakina reported at the time. It was sold to an unnamed lone bidder, who was a client of Rebecca Wei, former head of Christie's Asia.

Previous sales: "Four Marilyns" was owned by Turkish collector Kemal Has Cingilliogu, who bought the painting from Phillips auction house for $44 million in early 2015. Before that, the work was first publicly sold at Sotheby's in London in 1992 for $955,433 (over $1.6 million in inflation-adjusted 2015 dollars).

Source: Christie's



Gerhard Richter — "Abstraktes Bild," 1986

The painting: This piece is one of Richter's largest works at 10 feet tall, as well as one of his first squeegee paintings. Experts believe it sold for so much because it is also one of the artist's favorite works.

When it sold in 2015 at a Sotheby's London auction for $46.3 million, it set the record as one of the most expensive paintings ever sold for a living artist for the second time. It was expected to go for between $21 million and $30 million.

Genre: Abstract

Bought by: An anonymous buyer from the US 

Previous sales: The painting was previously owned by the Michael and Eleonore Stoffel Foundation, Cologne. Before that, at the request of the artist, it was for a time on an extended loan to the Museum Ludwig, Cologne in the 1990s. The painting sold for $607,500 in 1999 ($864,000 in inflation-adjusted 2015 dollars), which was a record at the time.



Andy Warhol — "Mao," 1972

The painting: The idea for this series of paintings reportedly came to Warhol after then-President Nixon announced his intention to travel to China in 1982. Warhol's friend Bruno Bischofberger had been encouraging Warhol to return to painting after a hiatus, and had the idea that Warhol should try to paint who he felt was the most important figure of the century.

This particular print of "Mao" was expected to fetch $40 million when put up for auction in 2015 at a Sotheby's New York auction. Instead, it sold for $47.5 million.

Genre: Contemporary, Pop Art

Bought by: An unknown telephone bidder

Previous sales: The painting was owned by billionaire Steve Cohen, who bought it in 2007 from Kering founder Francois Pinault. The painting was first publicly offered by Sotheby's in 1996 for $1,036,592 (over $1.5 million in inflation-adjusted 2015 dollars.)



Mark Rothko — "No. 11 (Untitled)," 1957

The painting: This is part of a series that saw Rothko use bright colors before he turned towards more somber and darker tones for his work. It sold in a 2013 Christie's New York auction, where it was expected to fetch between $25 million and $35 million. Instead, it sold for over $46 million.

Genre: Abstract

Bought by: An anonymous buyer

Previous sale: The painting was first sold publicly at a Christie's New York auction in 1992 to an anonymous buyer for $1.1 million (over $1.8 million in inflation-adjusted 2013 dollars).

Source: Christie's



Andy Warhol — "Race Riot," 1964

The painting: In this painting, Warhol depicts the civil unrest in Birmingham, Alabama, amid the US Civil Rights Movement in the 1960s. The riots in Birmingham happened in 1963 and saw police clash with activists. This painting was released a year after the riots.

Per Christie's New York, it was sold by a private collector for $62.885 million in 2014 to the Gagosian Gallery.

Genre: Post-War, Contemporary, Pop Art

Bought by: Gagosian Gallery

Previous sales: It was once owned by the Leo Castelli Gallery in New York, before being bought by a Sam Wagstaff in New York, then the famed photographer Robert Mapplethorpe in New York, who sold it in 1989 to a Bruno Bischofberger of Zurich, to then a Mr. and Mrs. Oliver Stahel, of Zurich, where it was sold again in 1992 to a private collector in Monaco. The painting was first sold publicly at a Christie's New York auction in 1989 for $1.76 million ($3.445 million in inflation-adjusted 2014 dollars.)

Source: Christie's, CNN



Jean-Michel Basquiat — "Untitled," 1982

The painting: Basquiat was known for his abstract artwork, which has underlying sociopolitical themes.

He died in 1988 at the age of 27, a few years after creating this painting. At the time of the Sotheby's auction in 2017, the painting was expected to fetch $60 million. Instead, it was acquired for over $110 million — nearly double the initial estimate — setting the record for the highest price ever paid for an American artist at auction.

Art dealer Jeffrey Deitch told the New York Times that this sale placed Basquiat in the same category as Pablo Picasso.

Genre: Abstract

Bought by: Yusaku Maezawa, the billionaire entrepreneur who founded the e-commerce company Start Today and the online mall ZOZOTOWN

Previous sales: It was previously owned by the Annina Nosei Gallery in New York, before being sold in 1982 to Phoebe Chason of New York, who sold it to Alexander F. Milliken of New York later that year.

It was then auctioned at Christie's in 1984 to Jerry and Emily Spiegel for just $20,900 (nearly $50,000 in inflation-adjusted 2017 dollars).

Source: 
Art News, Sotheby's, Art Price



Claude Monet — "Meules," 1890

The painting: Monet was known for depicting the French countryside, specifically painting his home village of Giverny. He is one of the most notable impressionist painters of all time.

At the time of the 2019 Sotheby's New York auction, this painting was expected to sell for $55 million. Instead, it sold for over $110 million, making this the most expensive impressionist work ever sold.

Genre: Impressionist

Bought by: An unnamed buyer.

Previous sales: It was first owned by Bertha Honoré Palmer, who acquired the painting in 1892 from Monet's art dealer. The work was passed down through her family. In 1986, it sold to a collector for $2.53 million ($5.8 million in inflation-adjusted 2019 dollars).

Source: Sotheby's, New York Times, Artsy



Amedeo Modigliani — "Nu Couché (sur le côte gauche)," 1917

The painting: The Italian painter Modigliani was known for his works of nude art. He died young, at the age of 35, in 1920. His work has remained very popular among art collectors.

"Nu Couché (sur le côte gauche)" sold in a Sotheby's New York 2018 auction for over $157 million.

Genre: Modern

Bought by: An unnamed Buyer

Previous owner: The painting was once owned by the painter Léopold Zborowski, who acquired the work directly from the artist. It was eventually purchased by billionaire art collector John Magnier in 2003 for $26.88 million ($36.6 million in inflation-adjusted 2018 dollars.)

Source:New York Times



Review: How the Amex Platinum card's many perks add up to $2,000 in value in your first year

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finance money bank banking banking credit card credit rewards score investment payment travel airplane flight american express platinum world map airport luxury cox 12.jpg

 

Ever since I started learning about points, miles, and credit card benefits, I had debated applying for a Platinum Card® from American Express.

The card came with a ton of useful benefits, and as fairly regular traveler, it seemed like a no-brainer for me. I kept holding off, though — the $450 annual fee just seemed like too big of an upfront, even if I made that value back. Then, the fee was raised to $550, and I figured I really couldn't justify it.

Finally, I took a hard look at the math, and decided to go for it. I still wasn't crazy about paying $550 a year just to have a card open, but what pushed me over the edge was really looking at how much return I'd get for that $550.

 

Amex Platinum card details

Annual fee:$550

Welcome bonus:60,000 points after your spend at least $5,000 in your first 3 months of account opening

Points earning: 5x points on airfare purchased directly through the airline, and on flights and prepaid hotels booked through Amex Travel, 1 point per dollar on everything else

Foreign transaction fee: None

Membership Rewards points and a hefty welcome bonus

The Platinum Card earns Membership Rewards points, the currency of Amex's loyalty program. They can be exchanged for statement credits or cash back, used to book travel through Amex's travel website, or transferred to any of 19 airline and three hotel transfer partners (transferable points like these are among the most valuable).

The card earns a whopping 5x points on airfare purchased directly through the airline, as well as flights and hotels reserved through Amex Travel. It earns one point for every dollar spent elsewhere.

Membership Rewards points don't have a fixed value, so it's a bit tricky to figure out how much they're worth. To get an idea, we can look at valuations published by the travel website The Points Guy. The website's team approximates the value of each Amex point point at 2 cents, though it's possible to get a lesser or much greater value depending on how you use them.

The Platinum Card comes with a welcome offer of 60,000 Membership Rewards points after you spend $5,000 on purchases in the first three months after opening your account. Based on The Points Guy's valuations, those are worth about $1,200 which alone makes up for two years of the annual fee.

Learn more:5 ways Amex cardholders can redeem their points — plus the method that gets you maximum value

If you transfer them to airline frequent-flyer programs and use them to fly round-trip to Europe — or even one-way in first class — you could end up getting a much higher value.

First-year value: $1,200 

Earn 60,000 points:

American Express Platinum Card® from American Express

Airport lounge access

I enjoy flying, but, like many people, I find airports to be generally unpleasant. I think most would agree that the time spent in the terminal waiting for your flight can be the most stressful part of a trip.

Fortunately, there's a perfect solution: airport lounges, exclusive areas where you can enjoy seats, an internet connection, food, drinks, and sometimes other amenities.

Though lounges used to be reserved for first-class and business-class passengers, many are now accessible to any traveler who holds either a lounge membership or a certain credit card — and the Platinum Card offers access to three kinds of lounges.

The first is Amex's proprietary Centurion lounges, located at 11 airports in the US and with one location in Hong Kong. These chic venues are an oasis in the middle of the main terminal's chaos, featuring amenities like comfortable seating and complimentary cocktails and food created by award-winning mixologists and chefs. Access to these lounges is limited to holders of Platinum Card or Amex Centurion cards.

If you're flying with Delta and carry a Platinum Card, you can also access any Delta Sky Club lounge. With more than 30 locations, Sky Clubs offer snacks, complimentary soft and alcoholic drinks (with more "premium" drinks available for purchase), fast WiFi, and a place to unwind. Some also feature showers.

Finally, the Platinum Card comes with a membership to Priority Pass membership, a network of more than 1,200 airport lounges around the world.

With that membership, you and two guests can access any lounge location (as long as there's room) to enjoy free snacks, drinks, newspapers and magazines, showers, and more — all separate from the hustle and bustle of the main terminal.

If you have an international version of the card, rather than the US version, be sure to double-check the guest policy for your card's Priority Pass benefit.

SIN Ambassador Transit Lounge Singapore

Thinking about how I've used the lounge access since having the card, I'd conservatively estimate the value at about $150. That's factoring in the snacks, breakfasts, coffee, and drinks I haven't had to pay for, but not including things like Wi-Fi, comfort, or the fact that it's made it easier to finish up work from the airport when I'm catching early-evening flights on Fridays.

First-year value: $150

$200 airline fee credit

Every calendar year, the Platinum Card offers up to a $200 credit toward incidental fees on one airline of your choice.

It doesn't cover tickets but applies to a wide variety of things such as checked bags, flight-change fees, in-flight food and drinks, fees for traveling with a pet, airport-lounge day passes (if you don't already have complimentary access), and sometimes even things like seat assignments and extra-legroom upgrade fees at one airline.

The best part of the airline credit is that because you get it each calendar year, not card member year, you could get it twice in your first year of having the card.

Say you opened the card in November — you can earn the full $200 credit before the calendar year ends, then once the credit resets on January 1, get it again before your next annual fee posts, meaning you can get up to $400 in value from this credit each year.

In my first card member year, I maxed out the potential $400 worth of credits, but for my valuation I'll knock 25% off — since it can be annoying to max out and presumably not everyone does.

First-year value: $300

Read more: How to pick your airline for the Amex airline incidental fee statement credit

Up to $200 in Uber credits

The Platinum Card offers up to $200 in value in the form of a statement credit toward Uber rides.

The credit is up to $200 a year, broken into chunks — each month, you'll get a $15 credit added to your linked Uber account, with an extra $20 for a total of $35 each December.

Uber file photo

If you travel regularly or live close to a city, this is an easy perk to get value from. You can also put the credits toward UberEats orders.

In addition, your account will be upgraded to Uber VIP status. There aren't a ton of perks with this, and it's available only in some cities, but you'll only be connected to drivers with at least a 4.8-star rating. Uber also says Uber VIP drivers have "high-quality cars."

I live in New York and take the subway, walk, or ride a bike most places, but I use Uber a few times a month, if not once or twice a week. Therefore, I have no trouble using the full credit. Plus, I use Uber whenever I'm in another city.

First-year value: $200

Elite status at Marriott and Hilton hotels

Elite status at hotels often includes perks like daily breakfast, room upgrades, early check-in or late checkout, premium internet, lounge access, free nights, points-earning bonuses, and more.

Usually, only the top frequent travelers earn status — but with the Platinum Card, you can earn it before you've stayed a single night.

The card comes with Gold-level elite status at both Marriott and Hilton loyalty programs

If you stay at hotels even a few nights a year, these benefits can be extremely valuable — Hilton offers Gold elites free breakfast for two each morning. 

To come up with a valuation here, I'll look at a single trip I took during my first year with the card: a week-long vacation in London and Paris.

Hotel breakfast can be expensive, but I'll be conservative and estimate about $20 per person. On this trip, seven days of breakfast for two would have cost us $280 total. Although we skipped the hotel breakfast buffet in Paris to explore some local boulangeries (and eat an unhealthy number of croissants and other pastries), it was still available, so I'll factor it in for my valuation.

For this trip, we stayed at Marriott hotels using points. At the time, Marriott offered free breakfast to Gold elites. Since that perk is no longer available for those with Gold status, I've been staying in Hilton hotels instead, where that benefit is still offered.

First-year value: at least $280

Other benefits

The Platinum Card comes with a few other benefits that help offset the annual fee, as well as world-class purchase protections.

TSA PreCheck and Global Entry are absolute musts for just about any traveler. Once you enroll, you can use special lanes to breeze through airport security — you won't have to remove shoes and light coats, and you can leave your laptop in your bag. With Global Entry, you can use a fast lane when you return to the US from abroad, which makes clearing immigration and customs easy and quick.

The programs cost $85 to $100, and American Express will provide a credit for that fee every four years (memberships are valid for five years).

Amex also offers Platinum card members access to the Amex Fine Hotels & Resorts program. When you book participating hotels through Amex Travel — there are nearly 1,000 worldwide — you'll enjoy perks including room upgrades, free breakfast, late checkout, free WiFi, and a unique amenity at each hotel, like a credit to use at on-property spas or restaurants.

An exclusive concierge service is also available to Platinum Card members. While the services are complimentary, you're responsible for paying for any services booked or purchases made on your behalf (but don't worry, the concierge will always ask for approval first). The service can be helpful for things like getting tickets to shows or making reservations at exclusive restaurants. I've used it twice: The service helped me get restaurant reservations in Tokyo that I was having trouble getting on my own, and helped me get some in-demand Broadway tickets the day they went on sale.

I've used the Fine Hotels & Resorts program, but that was after my first year. I already had Global Entry when I signed up for the card, and probably wouldn't pay for the concierge services if I didn't have complimentary access. I've also used the card to make a few large purchases so I could get the purchase protection, though (fortunately) I haven't had to make a claim.

For this valuation, I'll split the difference between what I've actually used and what I could have used.

First-year value: about $120

It's also worth noting that American Express has added some limited-time benefits to account for the fact that Platinum cardholders can't take advantage of perks like airport lounge access during the coronavirus pandemic. The Platinum Card is offering up to $320 in statement credits when you use it to pay for select U.S. streaming and wireless telephone services (up to $20 per month) from May 2020 to December 2020. Additionally, Amex cardholders will notice more non-travel Amex Offers available in their accounts online, including cash-back deals and opportunities to earn bonus points on wine purchases.

First-year value: at least $2,250

Over my first year with the Platinum Card, I've gotten more than $2,250 worth of value from the various perks, rewards, and benefits. When I subtract what I paid on my first month's statement for the annual fee, that's still a whopping $1,700.

Even in each following year, when I won't get the welcome bonus, I'll still be ahead by at least $500 — assuming I keep the card — plus whatever I earn in rewards from spending.

While the annual fee is definitely high, the value I've gotten from the card's annual benefits has more than outweighed it.

Join the conversation about this story »

NOW WATCH: Why electric planes haven't taken off yet


I went to Dance Church, a live-stream movement class where thousands of people dance alone together, and it was the most liberating hour of my life during the coronavirus social distancing

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Dance Church

  • Dance Church Go is the virtual version of Dance Church— an open-format dance class designed to be inclusive that is typically available in New York, Seattle, Portland, Indianapolis, Salt Lake City, and Los Angeles.
  • In light of the coronavirus pandemic, Dance Church Go is a live-streaming donation-based dance class that takes place on the Dance Church website on Sundays and Wednesdays. 
  • Kate Wallich, the founder of Dance Church, told Business Insider that Dance Chuch Go has had an average of almost 4,000 participants in each class.
  • I love dancing, but I've never been good at it. While I took this class with the hopes of brushing up my skills, it instead boosted my confidence as an awkward dancer and made me feel less alone while social distancing.
  • Visit Business Insider's homepage for more stories.

When I hear music I have to dance. 

Whether I'm walking down the street, working in the office, or hanging out with friends, when I hear music, I can't help but move. 

Equally true — I'm a terrible dancer. I'm awkward and I move to the beat in ways that don't look cool to others, so they tell me.

While I thought this remote Dance Church class would be helpful in teaching me to dance like a pro the next time I'm out at a club, whenever that may be, it instead helped me embrace my roots as an awkward dancer and feel less alone during this time when I can't dance with my friends, or at least in front of them. 

Kate Wallich, the founder of Dance Church, told Business Insider that when in-person classes were canceled, instructors formalized a small quarantine group. The group consists of all the people involved in making the class happen, and they isolate from everyone else outside the group.

"We have been following the governmental guidance from Washington State," Wallich said. "Artists streaming to their communities are classified as essential."

They have been staying six feet apart by marking the dance floor with spots for each person.

Here's how Dance Church liberated me amid the coronavirus pandemic.

SEE ALSO: An elementary school teacher in San Francisco gives an inside look into life inside his virtual classroom amid the coronavirus pandemic

DON'T MISS: I bought a Nintendo Switch just before my state went on coronavirus lockdown, and it's helped me separate my work and home life when I'm reporting on the pandemic

To prepare my room for Dance Church, I pushed all my furniture to the walls for as much dance space as possible.



Then, I hooked up my laptop to a speaker via Bluetooth so that I could blast the music.



If I were in a shared space, I would have used headphones, but I wanted to recreate the club experience as much as possible.



I went with an outfit I knew could keep me feeling limber and confident — a comfy T-shirt, shorts, and sneakers — all in orange, my favorite color.



Then, it was time to begin. The live-stream started at 12 p.m. with instructor Thomas House, who let us know some of the class rules.



There is no front of the class. There is no talking, but singing is encouraged.



In terms of actual dancing, House felt more like a guide than an instructor.



Rather than performing a series of specific moves to imitate, House guided the class audibly by calling out specific parts of our bodies to dance with, from our hands to our toes.



"Everyone in the room processes in their own way and as the teacher I get excited by our differences," House told Business Insider of the class.



Except everyone is not in the room. Classes were moved online in light of the pandemic. House told Business Insider that he misses people. "Teaching Dance Church to a camera is unlike anything else," House said.



"Thousands of people are on the other side of the camera dancing with me live," House continued. "They are choosing dance during this time. I can feel that energetically in the room."



I could feel it in my room too. Perhaps the most liberating thing about Dance Church is the thought that thousands of other people around the world are jamming to the same tunes as you at this very moment.



During class, I thought about my favorite memories of singing and dancing with my friends and family at bars and concerts. Revisiting these gave me a warm feeling and made me feel less alone.



One thing you can only do in the virtual version of Dance Church is dance like no one is watching, literally.



The music in Dance Church was popping, to say the least.



Jams from Usher to Beyoncé brought the club vibe straight to my bedroom.



Towards the end of class, the vibe shifted from the club to a dream, and the music shifted from high-energy to softer, melodic dance music. This was a relaxing way to end class.



"Dance is how I've gotten to know myself," House told Business Insider. "It's inspiring to me now more than ever as a tool to process emotion, thoughts, and the unknown."



Going into it, I knew I'd have fun because I love dancing, but I didn't realize how connected it would make me feel.



Mortgage rates are predicted to hit record lows by the end of 2020, but that won't help you buy a house. Here's what you need to know if you're planning to buy or sell a home this year.

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Home for sale

  • A report by Realtor.com predicts that home sales will rebound in July, August, and September as buyers return to the market, but will turn negative again in the final months of the year due to another forecasted spike in coronavirus cases.
  • In addition, mortgage rates are predicted to drop to record lows, to below 3% by the end of 2020, but will come with stricter requirements.
  • Visit Business Insider's homepage for more stories.

Home sales are in for a rocky ride for the remainder of 2020, according to a new forecast by Realtor.com.

Realtor.com's chief economist, Danielle Hale, predicted that home sales will rebound in July, August, and September, as buyers return to the market.

However, she said she believes they will drop again in the final months of the year as secondary waves of coronavirus infections continue to spread throughout the US and the unemployment rate remains high.

Overall, existing home sales are predicted to see a 15% year-over-year decrease by the end of 2020, while home prices flatten nationally due to buyer interest in the secondary market, according to the report.

"The US housing market started 2020 with substantial momentum. With some of the best home sales and housing starts in more than a decade, our biggest challenge going into the spring home-buying season was a lack of for sale homes. The coronavirus pandemic has kept both buyers and sellers on the sidelines, preserving market balance, for now," Hale was quoted saying in the report.  "As cities and states begin the slow process of reopening, we're going to see a see-saw recovery with ups and downs that will favor the nation's secondary markets in the short-term." 

The sharp nosedive in number of new listings exacerbates the issue of a lack of inventory, which has been evident since the start of the pandemic. In the last week of March, new listings were down 36.9% from the same time last year. For the week ending April 17, that decline had spiked to nearly 50%, according to Redfin, while Realtor.com reported that new listings were down 39% for the week ending May 2.

Realtor.com explained that while the market will continue to see constricted inventory, buyer demand is expected to be inconsistent as many will likely pull back during the second wave of the outbreak. On a national level, home prices are expected to increase just 1.1% for 2020, with possible small declines by the end of the year, meaning there won't be many deals for buyers or sellers in this market.

Mortgages rates are predicted to drop below 3% by the end of 2020

According to Realtor.com, mortgage rates are forecasted to hit record lows below 3% by the end of the year. But mortgages will be harder to get, too.

"Although rates will be favorable, the qualifying criteria will be tougher than normal as lenders seek to mitigate their own risks amid the unfolding economic uncertainty globally. The stricter qualifying criteria will require buyers to have higher credit scores in addition to more cash for down payments," the report reads. 

Housingwire has reported that as the outbreak worsened, lenders have already raised lending standards and access to Federal Housing Administration loans has dried up. In fact, the Mortgage Bankers Association reported that mortgage credit availability was down in April to its lowest level since 2014.

"Buyers should expect periods of very low inventory turnover, especially if subsequent COVID-19 flare-ups occur, creating a 'what you see is what you get' environment. In some areas, buyers may find sellers leaning heavily on digital technology, such as virtual tours, instead of hosting traditional open houses. Determined buyers may need to be prepared to pull the trigger on a home sight unseen," the report reads.

But it's not all bad news for buyers. Realtor.com predicts that due to the likelihood of stable home prices,  there will be less all-cash offers from investors to compete with which, according to the report, dominated the market back in 2008.

And, in some good news for current homeowners, Fannie Mae has forecast that the low rates will lead to more refinancings than any time in the past seven years.

SEE ALSO: 4 out of New York's 5 largest cities saw an increase in home prices in April — here's a breakdown of each market and how much prices went up

DON'T MISS: Here are the 10 US cities where home prices increased the most in April — none was in the Northeast

Join the conversation about this story »

NOW WATCH: Why electric planes haven't taken off yet

The demand for rentals in the Hamptons is so huge right now that one couple is paying $10,000 a month for a renovated 'fisherman's shack' — and that's on the low end of the price range

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More people are flocking to the Hamptons amid the coronavirus pandemic, causing rental prices to soar and leaving many priced out of the market entirely.

As Marcelle Sussman Fischler for the New York Times reports, there are several factors that play into why even well-off people are finding themselves unable to rent in the Hamptons right now: there are more hopeful renters than usual; some Hamptons homeowners who typically rent out their homes during this time have decided not to, wary about the state's moratorium on evictions; and rental prices are rising because of rising demand, even leading to "bidding wars" among potential tenants.

One Jersey City, New Jersey, couple who spoke to the Times, Jill-Mandy and Carlo Voutta, said they're renting a renovated 1930s "fisherman's shack" in Southampton for $10,000 a month, with the rental price set to increase to $12,000 a month starting in July. While it's unclear what the "fisherman's shack" would typically go for at this time of year, other Hamptons rental properties are seeing demonstrable increases in price year-over-year: Business Insider previously reported that the famed 17,000-square-foot "Sandcastle" mansion Beyonce and Jay-Z once rented for $1 million a season recently rented for $2 million.

The influx of visitors also started earlier than usual. The Hamptons rental season typically begins on Memorial Day and lasts until Labor Day, according to the Times. But this year, because of the pandemic, families began renting homes in the ritzy Long Island area as early as March. Now, as Memorial Day approaches, seasonal visitors who usually rent around this time are having a harder time finding a "desirable" home, with the amenities they want, like a heated pool.

The Times reports that the wealthiest of the would-be renters are now willing to pay even more money for what they want. Aimee Fitzpatrick Martin, an associate broker with Saunders & Associates, told the publication that renters are increasing their budgets "several times in order to find a rental that worked for all their needs with all the amenities they wanted." 

Homeowners that usually put their places up for rent have also been more hesitant this time around, according to the Times, leading to fewer available homes for visitors. On May 7, New York Gov. Andrew Cuomo extended the state's moratorium on evictions until August 20. This means landlords cannot evict renters who are unable to pay rent or who refuse to leave, Business Insider previously reported

The current spike of interest in Hamptons rentals isn't unprecedented, however. Dottie Herman, chief executive of Douglas Elliman, told the Times that the current market is similar to what she saw after 9/11 when there was also a surge in wealthy people hoping to leave the city and temporarily retreat to the Hamptons.

"The demand will be great and the supply will be limited," Herman told the Times. "We are searching for rentals. They are hard."

SEE ALSO: A luxury apartment building in Miami is catering to wealthy residents with a new amenity: free coronavirus antibody testing

DON'T MISS: The Hamptons rental market is booming, making the ritzy area more unattainable than ever — even for 'middle-class rich people'

Join the conversation about this story »

NOW WATCH: What makes 'Parasite' so shocking is the twist that happens in a 10-minute sequence

What the top ten most visited national parks in the US have said about their plans to reopen, from opening in phases to implementing social distancing guidelines

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Zion National Park Utah

SEE ALSO: I visited 'the most photographed barn in America,' a dilapidated wood barn beloved by Instagrammers, influencers, and tourists. I didn't see what the hype was all about.

Glacier National Park

Visitors in 2019:3 million

Location: Montana

Top attractions: Going-to-the-Sun Road, Grinnell Glacier, Lake McDonald, Avalanche Lake, Highline Trail

Reopening plans: Glacier National Park has not announced plans to reopen yet. The park closed to all visitors on March 27, though the section of US Highway 2 that crosses through the park remains open.

See the latest updates on the National Park Service's website >>



Olympic National Park

Visitors in 2019:3.2 million

Location: Washington 

Top attractions: Hurricane Ridge mountain area, Ruby Beach, Hoh Rainforest, Olympic National Forest, Crescent Lake 

Reopening plans: The park began a phased reopening on May 5. Some facilities in the area near Barnes Point, a peninsula that juts out into Crescent Lake, and the northern edge of the park have opened for use. When conditions allow, the park may open additional facilities during the day on the park's east side. The park will issue permits for overnight camping in the backcountry only when Washington state permits overnight travel outside of the local area and has said that its westside areas and beaches "will be the last areas to open for day use." 

See the latest updates on the National Park Service's website >>

 



Grand Teton National Park

Visitors in 2019:3.4 million

Location: Wyoming

Top attractions: Grand Teton peak, Jenny Lake Trail, Scenic Loop Drive, Chapel of the Transfiguration (a log-cabin-style church built in 1925), Moose Wilson Road  

Reopening plans: Grand Teton National Park has not yet announced plans to reopen. The park closed to visitors on March 24, though highways that run through and extend beyond the park remain open. 

See the latest updates on the National Park Service's website >>

 



Acadia National Park

Visitors in 2019:3.4 million

Location: Maine 

Top attractions: Cadillac Mountain, Park Loop Road, Champlain Mountain & Beehive Loop Trail, Jordan Pond, Carriage Roads cycling trail 

Reopening plans: Park campgrounds are set to reopen on June 15, pending the status of the pandemic. Hulls Cove, the park's main visitor center, is currently scheduled to reopen on June 1, and Sieur de Monts Visitor Center will reopen June 15. The park's main scenic road, car-free carriage roads, visitor centers, and restrooms have been closed since March 25. Overnight parking is banned for the time being, and Island Explorer shuttle service between the park and nearby Bar Habor is suspended. 

See the latest updates on the National Park Service's website >>

 



Yellowstone National Park

Visitors in 2019:  4 million

Location: Wyoming, Montana, Idaho 

Top attractions: Lamar Valley, Grand Canyon of the Yellowstone, Grand Prismatic Spring, Old Faithful geyser, Lower Yellowstone River Falls 

Reopening plans: Yellowstone National Park has not yet announced plans to reopen. The park closed to visitors on March 24, though highways that run through and extend beyond the park remain open. 

See the latest updates on the National Park Service's website >>



Yosemite National Park

Visitors in 2019:  4 million

Location: California

Top attractions: Glacier Point outlook, Yosemite Valley, Mariposa Grove of Giant Sequoias, Half Dome rock formation, Tunnel View outlook 

Reopening plans: Yosemite National Park has not yet announced plans to reopen, but says that plans for a phased reopening are in the works. The park closed to visitors on March 20, though it remains open to residents of communities within the park's boundaries.

See the latest updates on the National Park Service's website >>



Zion National Park

Visitors in 2019:  4.5 million

Location: Utah

Top attractions: The Narrows trail, Angel's Landing trail, Zion Canyon Scenic Drive, Canyon Overlook trail, Observation Point 

Reopening plans: Zion National Park will partially reopen for day use beginning May 13 and has waived visitor fees to minimize the potential for disease transmission. Eight trails will reopen; however, no off-trail hiking is permitted and hikers are urged to stay six feet apart. The 6-mile Zion Canyon Scenic Drive will also open, but only private vehicles will be allowed and the drive will temporarily close to visitors when its 400-car parking lot reaches capacity. 

See the latest updates on the National Park Service's website >>



Rocky Mountain National Park

Visitors in 2019:4.7 million

Location: Colorado

Top attractions: Trail Ridge Road, Emerald Lake Trail, Bear Lake, Old Fall River Road, Alberta Falls 

Reopening plans: Rocky Mountain National Park will begin a phased reopening to increase recreational access on May 27. While details of the reopening are still being figured out, so far the park has announced that it will begin issuing wilderness camping permits again, and shuttle bus service within Bear Lake Road corridor will resume with a maximum of 15 passengers per trip. Moraine Park and Glacier Basin campgrounds will also open at half capacity on June 4.

See the latest updates on the National Park Service's website >>



Grand Canyon National Park

Visitors in 2019:5.97 million

Location: Arizona

Top attractions: Grand Canyon South Rim, Bright Angel Trail, Grand Canyon North Rim, South Kaibab Trail, Rim Trail

Reopening plans: Grand Canyon National Park has not yet announced plans to reopen. The park, and the section of Highway 64 that runs through the park, closed on April 1 until further notice.

See the latest updates on the National Park Service's website >>



Great Smoky Mountains National Park

Visitors in 2019:12.5 million 

Location: Tennessee, North Carolina

Top attractions: Roaring Fork Motor Nature Trail, Foothills Parkway, Clingmans Dome observation deck, Cades Cove, Laurel Falls 

Reopening: Great Smoky Mountains National Park reopened select roads, trails, restrooms, and picnic areas on May 9. The park is also issuing backcountry permits, and the LeConte Lodge, the park's official lodging option, will reopen May 18. However, visitor centers and campgrounds remain closed. The park also canceled its popular synchronous firefly viewing event, when shuttles take ticketed visitors to the Elkmont section of the park in late May and early June to witness tens of thousands of fireflies.

See the latest updates on the National Park Service's website >>



Meet the billionaire family behind Tyson Foods, the $42 billion meat company that's been hit by COVID-19 outbreaks at its plants and is warning of a meat shortage

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As the coronavirus pandemic batters entire industries, one of America's favorite sectors has found itself particularly vulnerable: meat.

The US could be facing a meat shortage and higher prices as meat processing plants across the country have been forced to temporarily close because of coronavirus outbreaks. More than a dozen of beef, chicken, and pork plants closed in April due to outbreaks, per The Wall Street Journal.

Tyson Foods, which claims to produce approximately 20% of the beef, pork, and chicken in the US and saw $42.4 billion in sales in 2019, was forced to temporarily close some of its meat plants in April and May due to coronavirus outbreaks. Business Insider's Kate Taylor reports that, according to a BI analysis, at least 4,585 cases of COVID-19 and 18 deaths have been linked to Tyson Foods.

Gary Mickelson, a Tyson Foods spokesperson, declined to comment for this story on the number of cases and deaths but said the company takes the safety of its employees very seriously and that the "vast majority" of its facilities have had no cases.

"At some locations, we have been conducting testing of team members and will not hesitate to idle any plant to conduct additional deep cleaning and sanitization of the entire facility," Mickelson told Business Insider. 

Tyson Foods, which is today one of the top three largest meat-producing corporations in the world, has been family-run for three generations, making the Tyson family one of the wealthiest in the US. The company's chairman, John H. Tyson, and his family are worth $2 billion, per Forbes.

Here's a look at the massive meat company and the billionaire family behind it.

SEE ALSO: Tyson is doubling bonuses and increasing health benefits for frontline workers. At least 8 have died of coronavirus and over 1,180 have been infected.

DON'T MISS: The US may be facing a meat shortage in grocery stores, but you can still buy meat directly from small farmers and restaurant suppliers

Tyson Foods is an Arkansas-based meat company that owns brands including Jimmy Dean, Hillshire Farm, and Aidells.

The company, which employs 141,000 people across the US, reported $42.4 billion in sales in 2019.



The business has been family-run for three generations, making the Tyson family one of the wealthiest in the US.

The company's chairman, John H. Tyson, and his family are worth $2 billion, per Forbes.

In 2015, the Tysons made Forbes' Richest Families list with a fortune of $3.3 billion, alongside families like the Waltons, the Kochs, and the Sacklers. 

The wealth of America's richest families varies widely. The Walton family, heir to the Walmart empire, is worth upwards of $155 billion. The Koch family fortune is more than $100 million, while the Sackler family, whose company makes the controversial prescription painkiller OxyContin, is worth an estimated $13 billion.



The company has made headlines throughout April and May for coronavirus outbreaks at its US meat processing plants.

At one of the company's pork processing plants in Logansport, Indiana, nearly 900 employees tested positive for the virus, forcing the plant to close on April 25 for nearly two weeks. Another plant in Waterloo, Iowa, was closed for two weeks after more than 1,000 workers tested positive. It reopened on May 7.

Business Insider's Kate Taylor reports that in total, at least 4,585 cases of COVID-19 and 18 deaths have been linked to Tyson Foods.

Meat packing plants are particularly vulnerable to outbreaks of the virus because of the cold, damp, and crowded work stations, according to Bloomberg.



Gary Mickelson, a Tyson Foods spokesperson, declined to comment on the number of cases and deaths but said the company takes the safety of its employees very seriously and that the "vast majority" of facilities across the US have had no cases.

"At some locations, we have been conducting testing of team members and will not hesitate to idle any plant to conduct additional deep cleaning and sanitization of the entire facility," Mickelson told Business Insider. 

Other enhanced safety precautions include health screenings for every worker each time they arrive at the facility, requiring facial coverings, and assigning some employees to monitor and enforce proper social distancing.

All employees who have tested positive will remain on sick leave until they meet CDC health requirements to return to work, Mickelson said.

The company recently upped its short-term disability coverage from 60% of a worker's normal pay to 90% until June 30. Business Insider previously reported that Tyson Foods offers short-term disability leave, but not paid sick leave, to workers being treated for coronavirus. 



On April 26, Tyson Foods took out a full page advertisement in major newspapers, including The Washington Post and The New York Times, warning that the US food supply chain is "breaking."

"The food supply chain is breaking," chairman John H. Tyson wrote in the ad. "We have a responsibility to feed our country. It is as essential as healthcare. This is a challenge that should not be ignored. Our plants must remain operational so that we can supply food to our families in America. This is a delicate balance because Tyson Foods places team member safety as our top priority."

The company outlined its enhanced safety measures and said that closing processing plants would cause "millions of pounds of meat" to disappear from the supply chain.

Two days later, it was reported that President Donald Trump was planning on signing an executive order to keep meat processing facilities open by classifying their work as "critical infrastructure" under the Defense Production Act. 



Tyson Foods' origins trace back to the Great Depression.

In 1931, John W. Tyson moved his family to Springdale, Arkansas, and started a business delivering chickens around the Midwest. In the 1940s, demand for poultry grew, and Tyson moved into raising chicks and grinding feed for local chicken farmers, incorporating his business as Tyson Feed and Hatchery, Inc.



In 1952, John W. Tyson's son, Don Tyson, joined the company as a general manager right out of college.

"I left the [University of Arkansas] in 1952, and from that day until 1963, the year I took the company public, I worked in the business six days a week and on Dad's farm on the seventh day," Don said, according to Tyson's website.

In 1958, the company opened its first processing plant in Arkansas at a cost of $90,000 — well over the original $75,000 budget.



The company went public as Tyson Foods in 1963 and began a series of acquisitions. In 1966, Don became president of the company.

The next year, John W. Tyson and his wife, Helen, died in a automobile-train accident, after which Don took over his father's role as chairman and CEO.



Tyson Foods continued to grow throughout the '70s and '80s, moving into new corporate offices and acquiring companies such as Mexican Original, a flour and corn tortilla company.

Between 1984 and 1989, the company doubled in size.

In the '80s, CEO Don Tyson's son, John H. Tyson — who is today the company's chairman — had a high-profile struggle with alcohol addiction

But he stopped drinking in 1990, he told Forbes in 2004.

"Just got tired," he said. "It was God's grace that gave me a chance to be clean."



In the late '90s, Don Tyson retired, and his son, John H. Tyson, took over as chairman of the board, becoming the third generation of Tysons to lead the company. He was named CEO in 2000.

In the late '90s, Tyson Foods faced some legal trouble. The company had to pay $6 million in fines in 1997 after pleading guilty to making $12,000 in illegal gifts, including plane trips and football tickets, to the secretary of agriculture.



According to Tyson Foods, Don remained on the board of directors and stayed active in the company for many years until his death in January 2011 at age 80.

His New York Times obituary described him as "a risk-taking, bare-knuckle businessman who bought out dozens of competitors, skirted the edge of the law and transformed a Depression-era trucking-and-feed venture into a global enterprise with an army of employees and millions of customers in 57 countries."



As CEO from 2000 to 2009, John H. Tyson oversaw Tyson Foods' $4.6 billion acquisition of meatpacking company IBP, Inc., as well as the construction of a company "innovation center."

He stepped down as CEO in 2009 but remained chairman of the board.

Today, Tyson Foods' CEO is not a Tyson, but Noel White, who's been with the company for 37 years.

But John H. Tyson is not the only Tyson family member still involved in the company.



John H. Tyson's aunt, Barbara Tyson, sits on the company's board of directors.

Per Forbes, Barbara inherited a fortune that's today worth an estimated $390 million after her husband, Randal, died in an accident in 1986 at age 34.



In September 2019, John H. Tyson's 29-year-old son, John R. Tyson, was promoted to chief sustainability officer.

Tyson, who's leading a sustainability push for Tyson Foods, told The Wall Street Journal in January that he's been involved with the company in some capacity for his entire life.

While Tyson Foods has grown into one of the top three largest meat-producing corporations in the world, according to the Institute for Agriculture and Trade Policy, it doesn't seem to be straying from its family-run roots anytime soon.



Bill Gates has been warning of a global health threat for years. Here are 12 people who seemingly predicted the coronavirus pandemic.

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Bill Gates warned President Donald Trump about the dangers of a pandemic in December 2016, The Wall Street Journal reported Monday.

He discussed the threat infectious diseases pose and urged Trump to prioritize the US's preparedness efforts — advice he also gave other 2016 presidential candidates, according to The Journal.

Gates has been warning of a pandemic for years, as have notable disease and flu experts. Former White House officials have also previously warned of an upcoming pandemic threat.

Pop culture, too, has seemingly predicted the novel coronavirus. Online conspiracies are circulating over books and movies that have alluded to a worldwide pandemic.

Some of these predictions are pure speculation. But the ones by experts are more accurate and all say the same thing: That the world isn't prepared for it.

SEE ALSO: 'We're not worried about it:' Photos show the coronavirus pandemic isn't stopping spring breakers from crowding beaches and partying on booze cruises

DON'T MISS: The US' broken healthcare system is why the coronavirus is set to explode in America

Bill Gates has been warning of a pandemic for years.

In a 2015 TED talk, Gates said the world was "not ready for the next epidemic."

And in a 2018 discussion about epidemics hosted by the Massachusetts Medical Society and the New England Journal of Medicine, Gates said a pandemic could happen within the next decade.

He presented a simulation by the Institute for Disease Modeling which found that a new flu like the one that killed 50 million people in the 1918 pandemic would now most likely kill 30 million people within six months.

The likelihood that such a disease will appear continues to rise in our interconnected world, he said, whether it happens naturally or is created as a weaponized disease.

"In the case of biological threats, that sense of urgency is lacking," he said. "The world needs to prepare for pandemics in the same serious way it prepares for war."

Gates said in an April interview with the Financial Times that a viral outbreak will likely happen "every 20 years or so." The coronavirus pandemic outbreak will cause future governments to have "standby diagnostics, deep antiviral libraries, and early warning systems," he added.

"The cost of doing all those things well is very small compared to what we're going through here," he said. "And so now people realize, 'OK, there really is a meaningful probability every 20 years or so with lots of world travel that one of these [viruses] will come along.' And so the citizens expect the government to make it a priority." 



Gates listens to scientist Vaclav Smil, who warned of the inevitable threat of another pandemic in his 2008 book.

In his book, "Global Catastrophes and Trends," Smil wrote that after the 1958-59, 1968, and 2009 pandemics, the US didn't take any major steps forward. He said that leaves the country, and the world, highly vulnerable to another viral pandemic. 

"The likelihood of another influenza pandemic during the next 50 years is virtually 100%, but quantifying probabilities of mild, moderate, or severe events remains largely a matter of speculation because we simply do not know how pathogenic a new virus will be and what age categories it will preferentially attack," he wrote in the 2008 book.

Gates has said he's an avid reader of Smil's books. "I'll forever be Bill Gates's scientist," Smil told Science Magazine.



Infectious disease expert Michael Osterholm has also been warning of a global pandemic for the past decade.

According to CNN, Osterholm wrote in Foreign Affairs magazine in 2005 that, "This is a critical point in our history. Time is running out to prepare for the next pandemic. We must act now with decisiveness and purpose." 

He also said that the US isn't properly prepared for a pandemic in his 2017 book, "Deadliest Enemy: Our War Against Killer Germs."



Virologist and flu expert Robert G. Webster predicted an upcoming flu pandemic in a book he published in December.

In "Flu Hunter: Unlocking the secrets of a virus," Webster questioned whether another deadly, disruptive pandemic is possible. "The answer is yes: it is not only possible, it is just a matter of time," he wrote.

Millions of people could die before such a pandemic is controlled or modified, he added.

"Nature will eventually again challenge mankind with an equivalent of the 1918 influenza virus," he wrote. "We need to be prepared."



The US Intelligence Team has warned about the possibility of a pandemic in recent years.

In 2018, the intelligence community's Worldwide Threat Assessment warned that a "novel strain of a virulent microbe that is easily transmissible between humans continues to be a major threat," according to CNN's Daniel Dale

And the 2019 threat assessment from last January stated that, "We assess that the United States and the world will remain vulnerable to the next flu pandemic or large-scale outbreak of a contagious disease that could lead to massive rates of death and disability, severely affect the world economy, strain international resources, and increase calls on the United States for support."



Jeremy Konyndyk, former director of USAID's Office of US Foreign Disaster Assistance under the Obama administration, has said a virus similar to the 1918 flu pandemic will emerge.

Konyndyk wrote in a 2017 Politico article that "a major new global health crisis is a question of when, not if."

"At some point a highly fatal, highly contagious virus will emerge — like the 1918 'Spanish flu' pandemic, which infected one third of the world's population and killed between 50 and 100 million people," he wrote, adding that President Trump is unprepared for such a pandemic.

While research on the new coronavirus is still in its infancy, and the world looks nothing like it did in 1918, the stats surrounding it "have started to ring alarm bells," wrote Business Insider's Morgan McFall-Johnsen and Holly Secon.

"COVID-19 has started behaving a lot like the once-in-a-century pathogen we've been worried about," Bill Gates wrote in The New England Journal of Medicine.



Dr. Luciana Borio of the former White House National Security Council (NSC) team responsible for pandemics has previously warned of a pandemic flu threat.

According to CNN's Dale, Borio, the council's director of medical and biodefense preparedness, said in 2018: "The threat of pandemic flu is the number one health security concern. Are we ready to respond? I fear the answer is no."

John Bolton, Trump's national security adviser at the time, later disbanded the team while reorganizing the NSC.



More than a decade ago, Massachusetts public health officials projected that millions could become ill from a novel respiratory disease.

In a 2006 Flu Pandemic Preparedness Plan, these public health officials projected that as many as 2 million people could become ill, according to local outlet 10Boston.

They predicted that up to 1 million people in the state would need to be treated on an outpatient basis and that 80,000 would need hospital treatment, based on models developed by the U.S. Centers for Disease Control and Prevention.

Because the hospital system would be overwhelmed by patients infected with the disease, up to 20,000 could die, according to their projections.

They put a preparedness plan in place by having hospitals negotiate agreements to host "alternative care sites" in similarly large facilities, like high schools.



Online conspiracies have also been circulating, such as whether author Dean Koontz predicted the pandemic in a 1981 novel.

According to the Guardian, Koontz's "The Eyes of Darkness" referred to a virus called "Wuhan-400" — the city in China where the novel coronavirus originated.

But Harmeet Kaur for CNN has bunked this conspiracy theory, pointing out the differences between the real coronavirus and Wuhan-400 — in the book, the virus was made by a scientist as a biological weapon and had a 100% mortality rate. Both of those things aren't true of the real coronavirus.



Self-proclaimed psychic Sylvia Browne was also said to have predicted a global pandemic similar to the coronavirus.

In her 2008 book, "End of Days: Predictions and Prophecies About the End of the World," she wrote: "In around 2020, a severe pneumonia-like illness will spread throughout the globe, attacking the lungs and bronchial tubes and resisting all known treatments."

But scientific paranormal investigator Benjamin Radford pointed out that while COVID-19 can lead to pneumonia, it's not a "severe pneumonia-like illness."

Browne also wrote that the illness will have "suddenly vanished as quickly as it arrived," which Radford said isn't currently true.

Browne, who has since passed away, made several predictions later proven false, according to Jacob Stolworthy for The Independent.



Director Steven Soderbergh and screenwriter Scott Z Burns's film "Contagion" also seemingly predicted the coronavirus pandemic.

Released in 2011, the movie is about a fictional illness called MEV-1, which becomes a global pandemic after a bat spread it to a pig who spread it to a person who didn't wash his hands before shaking hands with another person.

The fictional virus has a 72-hour incubation period and high fatality rate, according to The Sun.



There's also speculation that Nostradamus, the famous 16th century physician, astrologer, and seer, predicted a "plague" similar to what has been seen with the coronavirus.

In 1555, Michel de Nostredame, or Nostradamus, published "Les Prophéties," a collection of nearly 1,000 prophetic and poetic quatrains (four-line rhyming verses).

One of them reads: 

"From the vain enterprise honour and undue complaint,
Boats tossed about among the Latins, cold, hunger, waves,
Not far from the Tiber the land stained with blood,
And diverse plagues will be upon mankind."

The Tiber is a river in Italy said to symbolize the country and its history, according to Andrew Whalen for Newsweek.

Another quatrain reads:

'The sloping park, great calamity,
Through the Lands of the West and Lombardy
The fire in the ship, plague and captivity;
Mercury in Sagittarius, Saturn fading."

One Twitter user speculated that "plague" and "captivity" refer to the coronavirus and lockdown, according to Express. The last line, he said, refers to the beginning of January 23 and 24 in 2020. Wuhan was placed under strict quarantine on January 23. "Lands of the west and Lombardy," he added, refer to Europe, Australasia, America, and Italy (Lombardy).

But this is all pure speculation. While some people avidly believe Nostradamus has correctly predicted events in the past, others say his alleged prediction of the coronavirus is a false claim.

"The straight fact is that nobody has ever used Nostradamus' writings to predict a future event in specific terms which later came true," renowned skeptic Brian Dunning said in his podcast.



Papa John's ex-CEO and founder went on TikTok to show off his $11 million mansion in Kentucky

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John Schnatter — the "Papa John" behind Papa John's — recently took to TikTok to show off his $11 million mansion in Louisville, Kentucky. Schnatter, the founder and ex-CEO of the pizza chain, infamously stepped down from his leadership position in 2018 after facing backlash for using a racial slur during a conference call. 

Now, two years after the controversy, the pizza maven has apparently taken a liking to TikTok while sheltering in place during the coronavirus pandemic. Most recently, Schnatter gave followers a peek inside his expansive property, which spans almost 16 acres, according to People's Hannah Chubb.

 

In the TikTok video, Schnatter revealed that his home — the most expensive house in Louisville, according to USA Today— is surrounded by a moat and plenty of greenery. Stepping inside, he showed viewers his high ceilings and a massive clock statue of two eagles mating mid-air that "spins four times an hour."

"Eagles go up several thousand feet and mate all the way down. Right before they hit, they separate so they don't get hurt or killed," he says in the video. "Perfect timing."

Right before the video ends, he approaches his library, the place where he films "a lot of footage" and works and writes letters. Just before opening the door, he pauses and says that viewers have to wait until next time to see what's inside. 

Schnatter appears to be building up his social media presence. In previous TikTok videos, he gave followers a peek at what appears to be a vintage car collection in his garage and bragged about having a private helicopter. He posted his first video on April 22, and so far has amassed over 100,000 followers in less than a month on the platform.  

Despite his well-publicized fall from grace, Schnatter clearly still has enough money to live lavishly. In 2017, Forbes estimated that Schnatter had a net worth of $1 billion; a more recent estimate of his wealth isn't available. And Papa John's is one of the few restaurant chains whose sales are doing particularly well during the pandemic, thanks to America's pizza-heavy "quarantine diet" and current preference for food delivery.

SEE ALSO: The demand for rentals in the Hamptons is so huge right now that one couple is paying $10,000 a month for a renovated 'fisherman's shack' — and that's on the low end of the price range

DON'T MISS: 9 famous paintings that sold at auction for millions more than their earlier value

Join the conversation about this story »

NOW WATCH: Here's what it's like to travel during the coronavirus outbreak


This couple is on lockdown at work, which happens to be a luxury superyacht off the coast of Monaco. Here's a look into their suite life on deck.

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Bianca and Joe

  • Joe and Bianca are a British-South African couple who work on a private luxury yacht that splits its time between the Greek Islands and the Mediterranean Sea. 
  • Summer events and travel bookings hit an abrupt pause due to the COVID-19 pandemic, and the couple found themselves on lockdown aboard the yacht along with three other crew members.
  • The crew has been keeping busy with baking, reading, and Zoom trivia nights — and Joe and Bianca were also recently able to go ashore for a socially-distanced hike. 
  • Visit Business Insider's homepage for more stories.

Yacht crew in ports around the world have found themselves confined to the luxury vessels that are both their places of employment and their home.

In Monaco, Joe and Bianca are a British-South African couple who have spent the last three years working onboard a 196-foot private yacht that typically spends winter in the wealthy Mediterranean principality and cruises the Greek Islands in summer.

Normally, the yacht would be preparing to welcome its first guests of 2020 for the Cannes Film Festival. The red carpet event was scheduled to start on May 12 but has instead been adapted for an online format in June. 

With travel still on hold in most European countries, the duo — like everyone in the yachting industry — face an uncertain summer season that most agree won't start until July at the earliest, if it gets underway at all.

SEE ALSO: Sundeck BBQs, trivia nights, and strict hygiene rules: An inside look at the life of crews locked down on luxury superyachts

READ MORE: Two vacationing families got stuck in South Africa after the country went into lockdown. Here's the uplifting story of how a local wine farm came to their rescue.

The couple met in 2018 when Joe joined the yacht crew six months after Bianca.

Bianca and Joe were just a few days out from departing on vacation back to visit Bianca's family in South Africa. In anticipation of Monaco's lockdown, which started on March 17, the captain asked them to cancel their trip to guarantee safe manning of the vessel. Bianca, the yacht's second stewardess, is philosophical about how the situation has worked out. "I think it would have been strange to go home," she told Business Insider.



The superyacht, which can accommodate 10 guests in five staterooms, has been locked down with only five of its usual 12 crew members on board.

"We each have a crew cabin to ourselves," said Bianca, adding that they all appreciate the extra space. Joe, the second engineer, says the atmosphere is more like being at home than at work. As the only engineer currently on board, his workload has been reduced. "There's obviously only a certain amount I can do on my own, so I'm doing what I can to keep the boat ticking over. It's not stressful," he said. 



At 8 p.m. every evening, the vessel, like many others around the Mediterranean, sounds its horn as a sign of gratitude towards frontline workers.

Under lockdown rules, yachts have not been able to leave or arrive into a harbor unless granted express permission by port authorities. 

Both Bianca and Joe are aware of — and appreciate — their privileged position in this crisis and are thankful to have jobs when others in the industry are losing theirs. "Our owner has assured us that there will be no redundancies or pay cuts," Bianca said.



The yacht's owner has also made it very clear that their health and safety comes first.

"They want us to be safe, to stay inside, and to not worry about anything else," she said. If one of the crew were to fall ill with the virus, one of the guest staterooms at the aft (rear) of the yacht would become a sickbay to isolate them. 



Extra hygiene measures have been put in place for when they leave and return to the boat.

"We have gloves for when you take out the trash or go shopping. When you return there is a sanitizer and a high alcohol concentrate spray that we made ourselves to spray your shoes," Bianca explained. Before Monaco's lockdown measures eased on May 4, she had only been leaving the yacht to visit a nearby supermarket.

 



It's always been part of their job to spend weeks, sometimes months, at sea.

Bianca thinks that this makes yacht crew more suited to handling these strict confinement measures. The couple explains that, onboard, they're all looking out for each other's mental health. "We've been quite fortunate — the general mood on the boat is happy, and there have been no conflicts," Joe explained.



Calls with friends and family have become an important part of the lockdown routine.

Fiber optic internet was recently installed on the yacht, and has been a blessing to the crew during this time. Their usual routine has been slightly modified to reflect the current situation: Everyone is starting work at 8:30 a.m. and finishing by 3 p.m. Outside of work hours, they're spending their time baking, reading, watching TV, and exercising. A Zoom quiz involving all 12 crew members and Joe's family back in England has quickly become a Saturday evening highlight. Each week has a dress-up theme, such as fancy dress and pajamas — "but that's all we wear in quarantine anyway," laughs Bianca. 



The crew also hosted a Zoom trivia night from the sundeck.

Now that warmer evenings have arrived in Europe, the couple is spending more and more of their downtime outside on deck. The dress code for one of their recent trivia nights was "sunglasses and shorts," and they dialed in from the sundeck.



The couple are excited to get back to the 'simpler things' as lockdown restrictions begin to lift.

As lockdown restrictions are lifted in the principality, a hike in the hills behind Monaco was the couple's first afternoon away from the yacht. What Bianca is looking most forward to, however, is seeing her family in South Africa. "But realistically that's not going to be until next year now — as long as things are better by then."



Business trips could become a thing of the past as the pandemic pushes CEOs to ask themselves what warrants a flight and what could've been a Zoom call

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Business traveler coronavirus empty train

  • Many executives are reevaluating business travel amid the coronavirus pandemic. 
  • Many said the pandemic has led them to believe that in-person meetings are often unnecessary, and that traveling for business may not be as valuable — or essential — as they once thought. 
  • As Paul Hudson, CEO of Sanofi, said, "the one-business meeting trip will disappear."
  • This feature is part of a series based on conversations with more than 200 CEOs on how business will be transformed by the coronavirus. To read more, click here.

As the global pandemic upends business, CEOs are figuring out what practices they need to keep — and what they can lose for good. 

From scaling back on their real estate to rethinking remote work, mandated social distancing has forced leaders to confront the idea that what used to be the professional norm may no longer be the best way to continue. That includes taking a hard look at business trips and questioning when they're really worth taking.

As the pandemic shut down airlines and hotels and brought travel to a halt, the $1 trillion business travel sector took a massive hit. According to data compiled by Tourism Economics for the US Travel Association, travel spending was down by $119 billion for the period between March 1 and April 25, a decrease of more than 80% over the same period in 2019.

About 30% of total travel spending in 2019 was for business travel, accounting for about $334.2 billion in spending and about 2.5 million jobs, according to the US Travel Association. Business travel is typically also the biggest revenue generator for the hotel industry, and conventions and other meetings being pushed out into 2021 is a growing concern. 

Travel industry experts have been predicting that after the outbreak eases in the US, vacations will return well before business travel does.

Business Insider recently asked more than 200 chief executive officers at some of the world's largest companies how business will be transformed by the coronavirus.

Many of these leaders noted that the pandemic has already caused their stance on in-person meetings to evolve.

"I think we're seeing that you can do a lot [via] video conferencing, and that's going to have a big impact on how often people travel for work," Airbnb CEO Brian Chesky told Business Insider. "Business travel isn't going to go away, but I think it's going to look very different in the future."

"It may be the case that we can do less travel, but we can get more done, that we're more thoughtful about what the live meetings need to be," said Doug Ingram, CEO of Sarepta Therapeutics, a medical research company based in Massachusetts. 

The end of the one-meeting business trip

Donna Imperato, CEO of PR and communications firm BCW Global, told Business Insider that the company recently completed a pitch that was drawn out over the course of months and involved employees traveling all over the world.

In retrospect and in regards to all the travel involved, she said, "I don't think it was necessary to spend all that time to get the same outcome." 

Imperato isn't the only leader rethinking how prominent a role business travel needs to play in future operations.

woman airport mask

The coronavirus pandemic has forced a shift to remote work that had already been in progress for several years. And, businesses that have implemented the infrastructure for remote work in response to the pandemic may realize that that setup works for them just fine.

Some executives speaking with Business Insider said they were surprised to find that going remote has actually made their workforce more productive, perhaps because they are doing less networking and person-to-person interacting. 

"Paradoxically, the crisis has significantly improved the way we operate and made us more efficient with no lunches, dinners, or traveling," Sir Martin Sorrell, chairman of S4 Capital, a media company based in London, said. Sorrell is also the founder and former CEO of advertising giant WPP. 

This shift in mindset will likely mean that many business leaders will take a more discerning approach when scheduling trips. 

"Undoubtedly, the experiments we're all going through by using video conferencing, FaceTime facilities for quick meetings a quick exchange of ideas has certainly changed significantly our behavior," Thomas Flohr, CEO of private jet company VistaJet, told Business Insider. "So in the short-term, I don't see travel [is going] to rebound anywhere in the near future."

Paul Hudson, CEO of Sanofi, a pharmaceutical company that's headquartered in New Jersey and employs more than 100,000 people globally, said that "the one-business meeting trip will disappear."

"People will be more comfortable with virtual meeting solutions and travel will become something we do when it's absolutely necessary," he said. 

Embracing alternatives — for now

Several leaders said it would take a viable vaccine for this to change. 

"We'll continue to rely on technology and new thinking to perform our jobs," Dave Burwick, CEO of The Boston Beer Company, said. "And at least until there's a vaccine, we expect to be traveling less on planes and not interacting with large groups of people."

Until then, business leaders are embracing virtual meetings and conferences.

"There will still be times when the industry will need to come together in person. I look forward to the day when there is a vaccine so that will be possible," Terry Duffy, chairman and CEO of CME Group, said. "In the meantime, we will need to be more creative, rethinking old ways of doing business and developing new ones that fit this new reality."

Business travel will look different once it resumes

hilton cleanstay

Hotels and other hospitality branches catering to business travelers will likely have to implement additional hygiene measures as they start to welcome people back.

55% of the business travelers surveyed by Engagious said that visible medical screenings like temperature checks and swabs before entering a venue would have a positive impact on their willingness to resume visits to places like airports, hotels, and restaurants. 

Hospitality businesses are gearing up for this shift in mentality, rolling out enhanced cleaning protocols and social distancing measures. As Chris Nassetta, president and CEO of Hilton, told Business Insider, hotels will endure as gathering points for a variety of events, including business meetings, "though likely with some adjustments."

"As wedding receptions, business meetings, and social gatherings return, the way our Team Members deliver food and beverage service will also change," Nassetta said. "We can expect the demand for buffet and communal dining to change, and the opportunity for personalized, one-on-one service to increase."

Ultimately, it's likely to be years before business travel returns to the levels set in 2019, if it ever does. 

Gary Kelly, CEO of Southwest Airlines, said in an April earnings call that business travel could take more than five years to return to levels from last year. Business travel makes up about a third of Southwest's passenger traffic, he said. 

"Based on history, in a recessionary environment, it is a long recovery period for businesses. And it's intuitive to me on why that would be," he said. "This one feels like it could be worse."

SEE ALSO: Airbnb CEO Brian Chesky predicts a wildly different future of travel and living, and it sounds pretty great

Join the conversation about this story »

NOW WATCH: Here's what it's like to travel during the coronavirus outbreak

My husband and I started couples therapy just before the COVID-19 outbreak — here's why counseling is more important than ever if you're quarantined with your partner

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Melissa Petro and husband

  • Melissa Petro is a freelance writer based in New York with her husband and two small children. 
  • She started couples counseling with her husband in February, just before the coronavirus began to spread throughout the US.
  • Although they were hesitant at first to switch to virtual meetings, the weekly sessions soon began inspiring huge improvements in how Petro and her husband were communicating every day.
  • If you are quarantining or working from home with your partner, and are starting to get on each other's nerves, Petro recommends looking into couples therapy — it can be more impactful now than ever.
  • Visit Business Insider's homepage for more stories.

My husband and I started couples counseling at the end of February, when coronavirus had yet to be widely detected in the US. Becoming parents had tested our relationship, and recent challenges in particular — including the arrival of our second baby this past December — had made existing tensions worse. We wanted to communicate better, to treat one another more lovingly and bicker less often, particularly in front of our two year old son, who — much to my heartbreak — had begun acting out when the two of us would start fighting.

Arran and I were three sessions in and things were going well when the public health crisis escalated. As New Yorkers, we were encouraged to practice social distancing and began sheltering in place. We pulled our son out of daycare, and my husband began to work remotely. Thankfully, we've relocated to a spacious house upstate, rather than our 600-foot apartment. Even so, it's been an emotional rollercoaster. Like most Americans, we're stressed about money. We take turns feeling anxious and fearful. We're sometimes at odds when it comes to parenting our rambunctious toddler. Even though we all love to spend time together, we definitely get on one another's nerves. 

While the midst of a deadly pandemic may feel like the wrong time to be working on your #couplesgoals, experts are clear in their advice that now is not the time to stop taking actions that address your mental health — and when it comes to interventions like couples or family therapy, it might even be a great time to start.

SEE ALSO: Couples are fighting more during quarantine, but my husband and I have used the time to get better at handling conflict — here are 4 tricks that are working for us

SEE ALSO: I live in New York City and have coronavirus symptoms, including the loss of smell. But I'm still working — and I'm afraid I'll be furloughed soon.

Why couples therapy?

Whose turn is it to walk the dogs? You spent how much on what? When's the last time we had sex? Even when the end of the world feels imminent, experts say it's not unusual for couples to find themselves embroiled in the same old petty fights.

"Under stress, any difficulties get bigger," says licensed marriage and family therapist Bina Breitner.

Breitner — who is based in Tucson, Arizona, and currently under quarantine in Rome, Italy — has been working with couples and families in person as well as remotely for over 22 years. Efforts to deal with COVID-19, she says, have changed our schedules and disrupted our typical daily rhythms. As the crisis wears on, she warns, it's bound to get worse.

"People will to lose money and feel anxiety," Breitner warns. "They'll get cabin fever. They'll have many fewer interactions out in the world, and with other people." All this — compounded by fear of illness, loss of loved ones, death, and panic — puts pressure on individuals, Breitner says, which in turn taxes our relationships.  

"It's going to be tough," says Brietner.



Talking with a neutral party can help

"Couples therapy draws out each individual's feelings and needs — in the presence of the partner — so each person becomes educated about themselves, about their partner, and about the way they dance together emotionally."

Couples therapy offers its participants a greater awareness and concern for oneself and one's partner, Breitner explains. You develop an awareness of your patterns of interaction.

"You see how things work," Breitner says, "and realize you have choices."

Couples therapists work differently, and there are different modalities. These days, whatever the style, it's being done remotely. 

Because of our schedules compounded by childcare issues, my husband and I had set ourselves up for telecommunicating even before the coronavirus hit. I worried sessions over the internet would feel impersonal and, well, remote. Instead, it feels as if we're inviting our therapist into our home. Without childcare, she gets a chance to see our parenting in action.



It allows you to work through tough emotions

Our therapist, Rachel, is leading us through a popular approach called the Gottman method. Developed by American psychological researcher and clinician John Gottman, the Gottman method uses couples therapy techniques to increase affection, closeness, and respect. The program starts with a thorough assessment that my husband and I both completed separately. Rachel tailors each session to our specific needs based on the assessment's findings. We're also given homework in-between sessions.  

Our first session, Rachel let us know that our assessment determined that while Arran and I share a good deal of affection and respect for one another — and that our relationship had a lot of other positive attributes — as a couple, we had trouble managing conflict. 

That session, we practiced taking turns as the speaker and listener, and using "When you... I feel..." statements. Having done years of therapy, and given the fact that I write frequently about parenting and mental health, the whole situation — including this particular technique — wasn't entirely unfamiliar. Even so, it felt good to articulate myself to my partner in so unapologetically earnest a manner. And the whole situation was new for my husband. He fumbled a bit when it was his turn to talk and afterwards, he commented that he felt like he'd done it incorrectly. Instead of criticizing him like I might've done reflectively in the past, I reassured him. "If we did it perfectly, we wouldn't need to be there," I said, and thought: See, it's already working.



In this challenging time, counseling may matter more than ever

There's a stigma to being in marriage counseling — as if seeking professional help is akin to admitting you're on the brink of divorce. On the contrary, I'm a firm believer that everyone can benefit from relationship counseling, whether or not your marriage — or the whole world — is in crisis.

In between sessions, Arran and I make a real effort to practice what we're being taught, even when it's awkward and although it feels somewhat embarrassing. When tension starts bubbling up, one of us will grumble to the other, "Do you want to do that thing Rachel suggested?" 

The techniques are surprisingly effective at diffusing conflict and inspiring empathy. I walk away from each session — even the difficult ones — with a feeling of "we're in this together." 

Couples therapy gives us something to do, and something to look forward to. It's a little social interaction with a relative stranger once a week, something completely novel in the time of the coronavirus. 



Here's how to navigate the generational divide that is shaping the 2020 housing market: Millennials are set to drive home sales but boomers are sitting it out

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Open house

  • A report by Realtor.com predicts that home sales will rebound in July, August, and September as buyers return to the market, but will turn negative again in the final months of the year due to another forecasted spike in coronavirus cases.
  • Of the buyers and sellers, the report predicts that millennials will purchase 50% of homes sold in 2020 while baby boomers will likely wait to list properties until the market normalizes. 
  • Business Insider talked to Realtor.com's senior economist about how the market will look in 2020.
  • Visit Business Insider's homepage for more stories.

The US housing market had a strong start to 2020. 

In the last quarter of 2019, million-dollar sales were up 11%, and housing prices overall were up. On an annual basis, 2019 saw the most first-time homebuyers since 1993, according to Genworth Mortgage Insurance. Then in January, new home sales and pending homes sales both jumped, and inventory was at its lowest level since 2012. 

However, the coronavirus outbreak forced the market to reverse its course.

In the last week of March, new listings were down 36.9% from the same time last year. For the week ending April 17, that decline had spiked to nearly 50%, according to Redfin, while Realtor.com reported that for the week ending May 2, new listings were down 39% from the same time last year.

Two generations that were all queued up to make a big splash in the housing market this year were the millenials, mostly first-time homebuyers, and the baby boomers, who are retiring and looking to move. But how will the pandemic change those trends?

Read on to see what Realtor.com predicted for the generational divide in the 2020 housing market and how its senior economist told Business Insider that it might play out.

Most of the housing market was brought to a halt in mid-March 

Since the outbreak worsened, home sales have seen a dip. An April report by Seattle brokerage Redfin said nationwide home sales dropped 9.1% from February to March on a seasonally adjusted basis — marking the steepest decline seen by Redfin since it started recording data eight years ago. And Realtor.com has predicted that home sales will see a 15% year-over-year drop by the end of 2020.

Realtor.com expects buyer interest and home sales to pick up in July, August, and September as coronavirus fears dwindle. However, as fears of a second wave are predicted to loom over the market in the last few months of the year, buyers are expected to draw back again.

It's not just buyers who are expected to show behavioral shifts, sellers may also have to adjust to properties that draw fewer offers and have longer listing times.

"Many sellers, who will also be subsequent buyers, will find the slower pace of sales and longer time on market have made timing a sale and a corresponding home purchase increasingly difficult compared to prior years," Realtor.com predicts.

"A lack of new homes for sale this spring — traditionally the busiest time of year for real estate — has signaled that sellers have adopted a certain level of patience in listing their homes."

Millenials are expected to be the driving force of the 2020 market

According to Realtor.com, millenials will likely make up at least 50% of home purchases in 2020.

"Millennials will continue to be a dominant buying force in the market. Because millennials are making home purchases from a less discretionary perspective, they will continue to grow their share of home purchases," the report reads.

According to a December 2019 report by Architectural Digest, millenials make up the largest group of homebuyers, at 37% of the home-buying public. Also, a March 2020 report by theNational Association of Realtors found that 86% percent of Younger Millennials (ages 22 to 29) and 52% of Older Millennials (ages 30-39) were first-time home buyers.

Millennials are focusing on affordable markets, Realtor.com's Senior Economist George Ratiu told Business Insider. This has long been a trend, but Ratiu said the pandemic will accelerate it. 

According to the Realtor.com report, national demand will shift to secondary markets in the coming months due to both affordability and space.

The need to work from home, Ratiu continued, will likely be a reality for many prospective buyers pushing a need for more space for things like a home office. In addition, the ability to work from home may allow prospective homebuyers to widen their affordable housing-market search. 

Baby boomers who were planning retirement moves will likely stay put for another year

As for baby boomers, Realtor.com predicted that those who are already holding onto properties will be more inclined to keep them off the market for another year until the market normalizes. This likely pullback will further limit the amount of inventory on the market.  

"The Baby Boomer generation may see their share of home purchases dwindle in 2020 as members of the generation step back from the marketplace," the report reads.

There are a few reasons why baby boomers are holding back, Ratiu explained. One reason is because it is hard to ascertain the right price in the current market. In addition, once those sellers become buyers, they will enter a market with very little inventory, resulting in few options.

Current homeowners are set to benefit

The lean inventory won't be the only challenge for millennials seeking affordable starter homes. There's also the mortgage question.

Mortgages have hit record lows already in 2020, just when the coronavirus outbreak was first designated a pandemic, but tight inventory was a problem then as well. Coming into 2020, the market was suffering from the kind of starter-home shortage that would especially set back millennials' first-time homebuying plans, as Business Insider's Hillary Hoffower reported.

And mortgage rates are forecasted to hit new lows by the end of the year, but amid the economic uncertainty lenders are tightening standards and mortgages are increasingly hard to get.

"Although rates will be favorable, the qualifying criteria will be tougher than normal as lenders seek to mitigate their own risks amid the unfolding economic uncertainty globally," Realtor.com states. "The stricter qualifying criteria will require buyers to have higher credit scores in addition to more cash for down payments." 

The winners from this set of factors will likely be current homeowners (including the baby boomers likely to hold onto their houses), as the low rates make refinancing more and more attractive. In fact, Fannie Mae has forecast that the low rates will lead to more refinancings in 2020 than any time in the past seven years.

SEE ALSO: Mortgage rates are predicted to hit record lows by the end of 2020, but that won't help you buy a house. Here's what you need to know if you're planning to buy or sell a home this year.

DON'T MISS: 4 out of New York's 5 largest cities saw an increase in home prices in April — here's a breakdown of each market and how much prices went up

Join the conversation about this story »

NOW WATCH: Tax Day is now July 15 — this is what it's like to do your own taxes for the very first time

The coronavirus outbreak has triggered unprecedented mass layoffs and furloughs. Here are the major companies that have announced they are downsizing their workforces.

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unemployment coronavirus

This is a developing story. Check back for updates.

SEE ALSO: The United Nations just said that coronavirus could wipe out the equivalent of 195 million jobs worldwide

Ride-hailing giant Uber announced it is cutting 3,700 jobs — or 14% of its workforce — on May 6. CEO Dara Khosrowshahi will forego his $1 million base salary this year.

Source: Business Insider



Airbnb announced it is laying off about 25% of its workforce, or 1,900 employees, on May 5. Its severance package includes several months' pay, a year of healthcare, and support finding a new job.

Source: Business Insider



Richard Branson's Virgin Atlantic announced it would cut 3,150 jobs on May 5, in addition to retiring its iconic Boeing 747-700 planes a year early.

Source: Business Insider



In a leaked May 4 memo, United Airlines said it expects to lay off at least 30% or some 3,400 employees on its administrative staff on October 1.

Source: Business Insider, Chicago Tribune



Ride-hailing company Lyft is laying off 982 employees and furloughing another 288, accounting for 17% of the company's workforce. The company made the announcement on April 29 and added that other cost-cutting measures include pay cuts for executive leadership.

Source: Business Insider



Boeing announced that it would cut about 10% of its workforce — or about 16,000 jobs — on April 29. The cuts are expected to be through a combination of buyouts, voluntary layoffs, and involuntary layoffs.

Source: Business Insider



On April 28, online travel company TripAdvisor announced it was laying off more than 900 of its employees, amounting to a quarter of its workforce.

Source: Business Insider



Hertz said it plans to lay off 10,000 employees on April 20. The car rental company previously employed 38,000 people.

Source: Reuters



On April 12, a union representing workers at Walt Disney World said the company will be furloughing 43,000 employees starting April 19. The amusement parks have been closed since March 16 and 200 essential workers will continue maintaining them.

Source: New York Times, Vox



On April 7, Tesla sent an email to employees saying it will furlough all nonessential workers until at least May 4, and reduce all employees' pay by at least 10%. These cost-cutting measures are expected to start April 13.

Source: Business Insider, CNBC



JCPenney has already started furloughing workers and confirmed it would continue to furlough a "significant portion" of its 85,000 employees as of April 5.

Source: JCPenney, Business Insider



On April 3, Under Armour announced that it will temporarily lay off about 6,700 employees starting April 12.

Source: Baltimore Sun



The Wing, a buzzy Instagram-ready women's coworking company, is laying off nearly all of its hourly employees and half of its corporate staff as of April 3, according to Vice. The company confirmed the layoffs but did not elaborate on numbers. Its founders are foregoing their salaries.

Source: Vice



ClassPass, the billion-dollar fitness platform, furloughed or laid off over half of its 700 employees on April 2 — 22% were laid off and 31% were furloughed.

Source: CNBC



On April 2, airplane manufacturer Boeing announced that it would offer a voluntary layoff plan to employees to cut costs. Those opting into the layoff plan will leave with a pay and benefits package, but the company offered no details about compensation.

Source: Business Insider



Famed auction house Sotheby's is furloughing 200 people — or 12% of its workforce —as of April 1, according to the Wall Street Journal.

Source: Wall Street Journal



Sephora laid off over 3,000 employees across the US via conference call on March 31. "It is our sincerest hope that we are able to bring these employees back on staff in the near future," Sephora said in a statement.

Source: Business Insider



Macy's CEO Jeff Gennette informed his staff via email that the company would be furloughing most of its 125,000 employees on March 30. The company only plans to have work for "the minimum number of employees necessary to maintain basic business operations" across Macy's, Bloomingdale's, and Bluemercury, Gennette wrote. He will stop receiving his salary, along with the rest of the board of directors.

Source: Business Insider,CNN



Bird, the buzzy electric scooter company, laid off 30% of its staff via a Zoom call on March 27. The call lasted only around 2 minutes.

Source: Business Insider



Everlane, the clothing retailer focused on ethical sourcing, laid off over 200 employees and furloughed 68 others on March 27. CEO Michael Preysman will reduce his salary to zero.

Source: Vice



ZipRecruiter laid off 443 employees and furloughed dozens more on March 27, days after CEO Ian Siegel said the billion-dollar online job-hub company was safe.

Source: Business Insider



Sonder, a billion-dollar apartment-rental startup billed as a hospitality industry disruptor, laid off or furloughed 400 people — one third of its workforce — on March 24, according to The Information.

Source: The Information

 



GE announced that it will be reducing approximately 10% of its aviation unit's workforce, amounting to about 2,500 employees, on March 23. It also announced a three month furlough impacting 50% of its maintenance and repair employees. GE CEO Larry Culp will forgo his salary for the rest of the year, while GE Aviation CEO David Joyce will give up half of his salary.

Source: GE,Wall Street Journal



According to the Washington Post, at least 200 workers across President Trump's hotels in Washington DC, New York City, and Las Vegas were laid off as of March 20. Other Trump properties, like Palm Beach's Mar-a-Lago, have temporarily closed.

Source: Washington Post, Business Insider



Air Canada announced it is set to lay off more than 5,100, or 50%, of its flight crew on March 19. Renee Smith-Valade, the airline's vice president, called the decision "difficult but necessary" in a statement.

Source: CBC



Cirque du Soleil announced it is laying off 95% of its 4,679 person staff on March 19, a week after canceling all its upcoming performances. The circus producer kept 259 staffers to plan and sell tickets for future tours.

Source: Cirque du Soleil,Forbes



New York's Metropolitan Opera is the largest performing arts organization in the US by budget. On March 19, the Met laid off all of its union employees for the duration of the coronavirus outbreak. The Met also announced the cancellation of all performances through the end of the 2019-2020 season, which was set to end May 9.

Source: NPR



Famous restauranteur Danny Meyer's Union Square Hospitality Group, which owns beloved NYC staples like Gramercy Tavern, laid off 2,000 employees, or 80% of its workforce, on March 18.

Source: Business Insider



Pebblebrook Hotel Trust, which owns over 50 hotels in the US including the W in Los Angeles, laid off 50% of its 8,000 employees on March 17. CEO Jon Bortz also told the Los Angeles Times that the company may need to lay off an additional 2,000 employees by the end of the month.

Source: Los Angeles Times



Marriott International, the world's largest hotel company, said it has started to furlough what could amount to tens of thousands of employees on March 17. Furloughs, as opposed to layoffs, occur when employees are required to take an unpaid leave of absence. Arne Sorenson, the president and CEO, announced that his own salary will be suspended for the rest of the year and senior executives' salaries will be reduced by 50%.

Source: Wall Street Journal, Business Insider,Business Insider



Norwegian Airlines announced the temporary layoff of 90% of its workforce on March 16, amounting to 7,300 employees. The airline also canceled 85% of its flights.

Source: Reuters



Scandinavian Airlines (SAS) announced that it would temporarily lay off 10,000 employees — 90% of its staff — on March 15. SAS also halted the majority of its flights and is operating with limited service.

Source: Forbes



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