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Federal regulators are probing hip-hop mogul Russell Simmons' debit card startup



Federal regulators are probing the technical failures at RushCard, the prepaid debit card startup cofounded by hip-hop mogul Russell Simmons.

A statement from the Consumer Financial Protection Bureau on Friday revealed the regulator is looking into why, for more than a week, some consumers who rely on RushCard have been unable to access funds.

“The CFPB is taking direct action to get to the bottom of this situation that may have harmed thousands of innocent consumers already," said CFPB director Richard Cordray.

It added that it had engaged in discussions with the Office of the Comptroller of the Currency and the Federal Trade Commission "to ensure a comprehensive response that addresses the situation quickly and holds accountable all of the parties involved to make consumers whole."

Rick Savard, chief executive and chairman of RushCard, said in a statement late Friday: 

"The vast majority of customers have had their problems resolved. We have a handful of people left who are still not able to access correct information about their accounts. Their funds are there but their information is still inaccurate. We are working to contact them individually to assist them with their needs.

"Very soon RushCard will be making a significant announcement on how we plan to make this right with our customers who were severely inconvenienced and in some cases suffered hardships. We have worked extremely hard in the past few years to build a product that is safe, secure and cost effective for our customers. We are going to do everything we can for our customers and for the communities in which they live to restore their trust and faith in us. "

Russell Simmons, cofounder of RushCard, said in the statement: 

"I am personally reaching out to hundreds of customers to help them resolve their issues. I want to make sure that every single RushCard customer today is able to use the card as I intended them to use it: to pay their bills, to get gas, to feed their families and help them manage their finances. This has always been my mission. To financially empower those families that have been shut out of the economic mainstream."


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This massive, $1 billion concept yacht could come with 2 pools and 2 helipads


Admiral X Force Yacht 145

The Admiral X Force 145 would not be your everyday mega-yacht. The 465-foot concept vessel takes luxury to eye-popping new heights.

Not only is the yet-to-be-built boat huge, its lavish interiors would be punctuated by crystal chandeliers and solid marble floors.

Two pools, two movie theaters, two helipads, a garage, multiple gym facilities, and a bi-level pool area merely scratch the surface of what this incredible boat will offer.

Though the price is only available on request, The Daily Mail estimates it will cost over $1 billion.

Would that make it the world's most expensive yacht? Only if it gets built before spring 2018, when 4Yacht's Triple Deuce, a 722-foot leviathan, is set to be completed.

The Italian Sea Group project was dreamed up by Dobroserdov Design in a partnership with Admiral Centro Stile. They provided us an artist's rendering of what the ship will look like when it's commissioned and completed.

Feast your eyes on the Admiral X Force 145. It doesn't get much more luxurious than this.

The X Force is longer than two jumbo jets or one-and-a-half football fields.

Inside, the yacht is packed with extravagant details. This main salon area is massive.

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I spent a week using five of the most popular dating apps — here's the one I unexpectedly liked the most



Dating apps are having a moment.

Match Group, the parent company of Tinder, PlentyOfFish, Match, HowAboutWe, and OkCupid, filed to go public recently. According to its IPO prospectus, it generated revenues of $888.3 million last year, up about 11% year-over-year.

And JSwipe, a popular dating app aimed at Jewish people, was recently acquired by its competitor, JDate.

In light of all this news, I spent a week trying out a bunch of different dating apps to compare notes. 

In case you haven't read it in full, here's the abbreviated version of my findings: Tinder is mindless, but fun. Hinge feels less sketchy because you get matched up with your Facebook friends' friends. JSwipe is cool if you're religious (I'm not). OkCupid proved itself to be nothing but a barrage of unwanted and often gross messages.

I was completely surprised by the app I liked the most.

Bumble is often described in the press as a "feminist" dating app. I'm not sure it's feminist as much as it simply reverses gender roles and makes women make the first move. I was expecting to hate it (I am lazy, so the idea of an app with the premise of me having to send a ton of messages was unappealing), so I put it off and reviewed it last intentionally.

The most annoying part about dating apps is breaking the ice. I have a hundred matches sitting in my Tinder app who I haven't talked to for this reason alone — nobody wants to make the first move, or have their opening line derided for being lame, or be ignored for being unimaginative.

bumble walkthroughDating apps, for their part, have tried combating this in a number of ways. JSwipe puts a timer on how long you have to start talking to a match. Wait too long and your match disappears forever. Coffee Meets Bagel gives you and your match an opening question to break the ice. And so on.

From Tinder to Bumble

Bumble was co-founded by Whitney Wolfe, the ousted Tinder cofounder. 

Before deciding to launch a dating app, Wolfe wanted to launch an Instagram competitor. Andrey Andreev, the cofounder of Badoo who would later help Wofe found Bumble, convinced her to think about the dating space again.

"I wanted to do something that would promote a responsible user online. There’s a lot of room to be negligent and nasty to each other," Wolfe told Business Insider earlier this year. "I figured, whatever I do next I want to narrow that down. I wasn’t going to do it in the dating space at all."

How it works

Bumble works like this: you download the app, set up your profile, and start swiping. If you mess up and accidentally swipe left when you mean to swipe right — swipe right meaning that you're interested in someone — you can shake your phone to undo it. The user interface isn't clunky, and it's easy to use.

whitney wolfe bumbleBoth men and women swipe, but only women can start the conversation, and they only have 24 hours from the time they match to start chatting before the connection disappears forever.

For people seeking same-sex relationships, the app doesn't exactly work the way it's intended to; either party can send the first message.

One strange thing I noticed on Bumble is that I saw a lot of friends and coworkers on the app within the first few minutes of using it. I'm not sure why this happens, but it was almost a turnoff — it's supposed to be a discovery service, so I don't want to see people I already know. Two friends also told me this has happened to them.

The most annoying thing about Bumble is the notifications. The app lets you know when a match is about to expire, presumably so you can rush in and send that person a message before they slip through your fingers and disappear forever. You can turn off the notifications, though, as I discovered a couple days in.

Minutes into my Bumble experience, I quickly realized I'd have to start talking to the guys I matched with, otherwise things wouldn't go anywhere. So despite being intimidated, I sent a few messages, and based on my experiences on Tinder — where I'd get messages from guys and rarely respond — I assumed the same thing would happen to me.

 Wrong! Three responses in ten minutes. Of course, the more messages you send, the more you'll receive, but nearly everyone I've sent a message to has responded quickly.

Turns out guys like Bumble because they like not having the pressure of initiating a conversation. And it makes conversations more thoughtful — starting every conversation with "Hey! How's your weekend going?" gets stale after a while.

Anecdotal evidence isn't always much to go off of. But two of my friends and I have gone on a collective 13 dates in the past month courtesy of Bumble, so something about the app seems to be working. 

SEE ALSO: I tried every major dating app — and the best one surprised me

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Here's what all 50 state names really mean


If you want to understand a state's history, start by looking at its name.

The map below shows the breakdown of all the states' etymologies. The most names, eight in both cases, stem from Algonquin and Latin. 


US state name etymologies

But the etymologies of some names have become muddled over the years. Alternate theories exist for some, while an author appears to have made one up entirely.

Scroll through the list to find your home state's meaning and how the name originated:

Alabama: From the Choctaw word albah amo meaning "thicket-clearers" or "plant-cutters."

Alaska: From the Aleut word alaxsxaq, from Russian Аляска, meaning "the object toward which the action of the sea is directed."

Arizona: From the O'odham (a Uto-Aztecan language) word ali sona-g via Spanish Arizonac meaning "good oaks."

Arkansas: From a French pronunciation of an Algonquin name for the Quapaw people: akansa. This word, meaning either "downriver people" or “people of the south wind," comes from the Algonquin prefix -a plus the Siouan word kká:ze for a group of tribes including the Quapaw.

California: In his popular novel "Las sergas de Esplandián" published in 1510, writer Garci Ordóñez de Montalvo named an imaginary realm California. Spanish explorers of the New World could have mistaken Baja California as the mythical place. Where Montalvo learned the name and its meaning remain a mystery. 

Colorado River mineral bottomColorado: Named for the Rio Colorado (Colorado River), which in Spanish means "ruddy" or "reddish." 

Connecticut: Named for the Connecticut River, which stems from Eastern Algonquian, possibly Mohican, quinnitukqut, meaning "at the long tidal river." 

Delaware: Named for the Delaware Bay, named after Baron De la Warr (Thomas West, 1577 – 1618), the first English governor of Virginia. His surname ultimately comes from de la werre, meaning "of the war" in Old French.

Florida: From Spanish Pascua florida meaning "flowering Easter." Spanish explorers discovered the area on Palm Sunday in 1513. The state name also relates to the English word florid, an adjective meaning "strikingly beautiful," from Latin floridus.

Georgia: Named for King George II of Great Britain. His name originates with Latin Georgius, from Greek Georgos, meaning farmer, from ge (earth) + ergon (work). 

Hawaii: From Hawaiian Hawai'i, from Proto-Polynesian hawaiki, thought to mean "place of the Gods." Originally named the Sandwich Islands by James Cook in the late 1700s.

Idaho: Originally applied to the territory now part of eastern Colorado, from the Kiowa-Apache (Athabaskan) word idaahe, meaning "enemy," a name given by the Comanches. 

Illinois: From the French spelling ilinwe of the Algonquian's name for themselves Inoca, also written Ilinouek, from Old Ottawa for "ordinary speaker." 

Indiana: From the English word Indian + -ana, a Latin suffix, roughly meaning "land of the Indians." Thinking they had reached the South Indes, explorers mistakenly called native inhabitants of the Americas Indians. And India comes from the same Latin word, from the same Greek word, meaning "region of the Indus River." 

Sleeping baby

Iowa: Named for the natives of the Chiwere branch of the Aiouan family, from Dakota ayuxba, meaning "sleepy ones."

Kansas: Named for the Kansa tribe, natively called kká:ze, meaning "people of the south wind." Despite having the same etymological root as Arkansas, Kansas has a different pronunciation.

Kentucky: Named for the Kentucky River, from Shawnee or Wyandot language, meaning "on the meadow" (also "at the field" in Seneca). 

Louisiana: Named after Louis XIV of France. When René-Robert Cavelier, Sieur de La Salle claimed the territory for France in 1682, he named it La Louisiane, meaning "Land of Louis." Louis stems from Old French Loois, from Medieval Latin Ludovicus, a changed version of Old High Germany Hluodwig, meaning "famous in war."

Maine: Uncertain origins, potentially named for the French province of Maine, named for the river of Gaulish, an extinct Celtic language, origin.

Maryland: Named for Henrietta Maria, wife of English King Charles I. Mary originally comes from Hebrew Miryam, the sister of Moses.

Massachusetts: From Algonquian Massachusetts, a name for the native people who lived around the bay, meaning "at the large hill," in reference to Great Blue Hill, southwest of Boston.

Michigan: Named for Lake Michigan, which stems from a French spelling of Old Ojibwa (Algonquian) meshi-gami, meaning "big lake."

Minnesota: Named for the river, from Dakota (Siouan) mnisota, meaning "cloudy water, milky water,"

Mississippi: Named for the river, from French variation of Algonquian Ojibwa meshi-ziibi, meaning "big river."

fayetteville arkansas canoe lake river fall

Missouri: Named for a group of native peoples among Chiwere (Siouan) tribes, from an Algonquian word, likely wimihsoorita, meaning "people of the big (or wood) canoes."

Montana: From the Spanish word montaña, meaning "mountain, which stems from Latin mons, montis. U.S. Rep. James H. Ashley of Ohio proposed the name in 1864. 

Nebraska: From a native Siouan name for the Platte River, either Omaha ni braska or Oto ni brathge, both meaning "water flat."

Nevada: Named for the western boundary of the Sierra Nevada mountain range, meaning "snowy mountains" in Spanish.

New Hampshire: Named for the county of Hampshire in England, which was named for city of Southampton. Southampton was known in Old English as Hamtun, meaning "village-town." The surrounding area (or scīr) became known as Hamtunscīr.

New Jersey: Named by one of the state's proprietors, Sir George Carteret, for his home, the Channel island of Jersey, a bastardization of the Latin Caesarea, the Roman name for the island.

New Mexico: From Spanish Nuevo Mexico, from Nahuatl (Aztecan) mexihco, the name of the ancient Aztec capital.

New York: Named in honor of the Duke of York and Albany, the future James II. York comes from Old English Eoforwic, earlier Eborakon, an ancient Celtic name probably meaning "Yew-Tree Estate."

King Charles the II

North Carolina: Both Carolinas were named for King Charles II. The proper form of Charles in Latin is Carolus, and the division into north and south originated in 1710. In latin, Carolus is a strong form of the pronoun "he" and translates in many related languages as a "free or strong" man.

North Dakota: Both Dakotas stem from the name of a group of native peoples from the Plains states, from Dakota dakhota, meaning "friendly" (often translated as "allies").

Ohio: Named for the Ohio River, from Seneca (Iroquoian) ohi:yo', meaning "good river." 

Oklahoma: From a Choctaw word, meaning "red people," which breaks down as okla "nation, people" + homma "red." Choctaw scholar Allen Wright, later principal chief of the Choctaw Nation, coined the word. 

Oregon: Uncertain origins, potentially from Algonquin.

Pennsylvania: Named, not for William Penn, the state's proprietor, but for his late father, Admiral William Penn (1621-1670) after suggestion from Charles II. The name  literally means "Penn's Woods," a hybrid formed from the surname Penn and Latin sylvania.

Rhode Island: It is thought that Dutch explorer Adrian Block named modern Block Island (a part of Rhode Island) Roodt Eylandt, meaning "red island" for the cliffs. English settlers later extended the name to the mainland, and the island became Block Island for differentiation. An alternate theory is that Italian explorer Giovanni da Verrazzano gave it the name in 1524 based on an apparent similarity to the island of Rhodes.

Block Island

South Carolina: See North Carolina.

South Dakota: See North Dakota.

Tennessee: From Cherokee (Iroquoian) village name ta'nasi' of unknown origin.

Texas: From Spanish Tejas, earlier pronounced "ta-shas;" originally an ethnic name, from Caddo (the language of an eastern Texas Indian tribe) taysha meaning "friends, allies."

Utah: From Spanish yuta, name of the indigenous Uto-Aztecan people of the Great Basin; perhaps from Western Apache (Athabaskan) yudah, meaning "high" (in reference to living in the mountains).

Vermont: Based on French words for "Green Mountain," mont vert.

Virginia: A Latinized name for Elizabeth I, the Virgin Queen.

Washington: Named for President George Washington (1732-1799). The surname Washington means "estate of a man named Wassa" in Old English.

West Virginia: See Virginia. West Virginia split from confederate Virginia and officially joined the Union as a separate state in 1863.

Wisconsin: Uncertain origins but likely from a Miami word Meskonsing, meaning "it lies red"; misspelled Mescousing by the French, and later corrupted to Ouisconsin. Quarries in Wisconsin often contain red flint.

Wyoming: From Munsee Delaware (Algonquian) chwewamink, meaning "at the big river flat."

SEE ALSO: Why we pronounce Arkansas and Kansas differently

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5 menswear trends that are going to spread like wildfire this winter


Apple Music

The move toward heritage-inspired pieces marches on this winter — but with a twist.

Bomber jackets, ribbed pullovers, and graphic sweaters are a few of the winter trends that are going to be popping up everywhere once the mercury plummets. 

To make your winter wardrobe shopping easier, here are the five things you should have in your closet to be on-trend for the cold-weather months 

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Graphic sweaters will be all over the place.

If you thought designers couldn't do anything new with winter sweaters, how wrong you were. This year's sweater designs are going far beyond stripes and Fair Isle patterning. Get ready for geometric shapes and color-blocking.

Some are more subtle, like the geometric pattern above by Christopher Kane. Others, like a $520 wool sweater by Neil Barrett with lightning bolts splashed across the front, take the graphic trend and run (far) with it.

Rollneck sweaters will no longer be considered goofy.

Basically a re-branded turtleneck, the rollneck sweater is on a major upswing this season. Long derided as an awkward piece for a man to wear, it's now certifiably trendy. Evidence of this can be seen in Drake's new music video for "Hotline Bling."

You'll mostly see this sweater in its classic fisherman style: thick, chunky, and ribbed, such as the above wool sweater by Gant. It's a great way to channel your inner Hemmingway. Just don't call it a turtleneck. 

Military-inspired pieces are especially strong this year.

Coming as a surprise to many, the bomber jackets that were so common last year have returned for winter 2015. The latest styles are more authentic, with shearing collars, patches, and military-inspired colors, like the one above.

The jacket's effortlessly cool vibe has transcended last year's flash-in-the-pan trend status. We predict this winter layering piece will stick around for winters to come. 



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Vintage photos show what Syria's capital city looked like 50 years ago


Group in small town along road from Beirut to Damascus.

Syria has been the site of one of the worst conflicts on earth for the past four and a half years. The most recognizable images of the country today depict bombed-out buildings, piles of rubble, and displaced citizens.

A collection of images taken fifty years earlier by Charles W. Cushman, an avid traveler and amateur photographer, are a stark contrast.

Though Syria saw a number of coups d'etat in the 1960s and in the decades before and after, Cushman's photos of downtown Damascus in 1965 paint a more mundane picture, showing families gathering, men riding donkeys, and shoppers in bustling bazaars.

These photos are being shared with permission from the Indiana University Archives.

4 million Syrians have fled their country since 2011. These drone images of a flattened Damascus make it clear why so many people no longer feel safe there.

Entire neighborhoods have been leveled in the fighting, and parts of the capital appear devoid of human life.

Syria was unstable 50 years ago, too. Shortly before Cushman visited Damascus in 1965, the country's government was overthrown in a coup d'etat.

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I saw how airplane food gets made from start to finish — and I learned a shocking secret about food waste and delayed flights


United Airlines Food 7848Besides likening themselves to cattle shoved into an airborne metal tube, there's nothing airline passengers like to complain about more than how terrible airplane food is. But how and where those disappointing in-flight meals get made is rarely thought of. 

United Airlines recently let our cameras into its catering facility, Chelsea Food Services, near Newark International Airport in New Jersey. Surprisingly, the food we saw was super fresh, made entirely by hand, and meticulously planned in advance. Another shocker? The airline's newest menu additions are actually pretty good. 

Keep scrolling to see all of the work that goes into the making of your in-flight meals, and to find out about the shocking waste that occurs when your flight is delayed.  

SEE ALSO: The way United Airlines chooses your in-flight meal is far more intricate than you'd think

Welcome to United's Chelsea Food Services facility, where a team of 1,000 produces 33,000 meals per day.

Food services manager Leon Britton showed us around. Britton has worked here for 28 years.

Absolutely everyone is required to wear a hair net, and most wear lab coats. To our eyes, the facility was spotlessly clean.

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Mark Cuban's biggest 'Shark Tank' investment of all time was in this spooky Halloween event — here's what it's like


Haunted Hayride NYC

The Haunted Hayride has been a popular Halloween attraction in Los Angeles for seven years. Taking place in Griffith Park, it typically brings in about 65,000 people over its 17-night run, and tickets almost always sell out.

In 2013, Mark Cuban made his biggest investmentin "Shark Tank" history when he gave $2 million to Ten Thirty One Productions, the company that produces the spooky event. 

CEO Melissa Carbone wants the Haunted Hayride to become a household name and a new Halloween tradition for people across the country. 

"The ultimate long-term goal is to have a Ten Thirty One attraction in every major metropolitan area in the United States," she told Business Insider in a 2014 interview

This year, they checked a big goal off that list by bringing the experience to New York City. We went to see how scary it really was.  

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The Haunted Hayride is being held on Randall's Island, just across the Harlem River from Manhattan. The setting is fitting — between 1852 and 1900, the island was home to a number of different institutions, including an insane asylum and a center for juvenile delinquents.

This is the Haunted Hayride's first year in New York City, though it's had years of success in Los Angeles.

As soon as you walked in, there were several people dressed up in costume, roaming around the grounds as part of the experience.

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A 23-year-old Google employee lives in a truck in the company's parking lot and saves 90% of his income


google headquarters

When 23-year-old Brandon headed from Massachusetts to the Bay Area in mid-May to start work as a software engineer at Google, he opted out of settling into an overpriced San Francisco apartment. Instead, he moved into a 128-square-foot truck.

The idea started to formulate while Brandon — who asked to withhold his last name and photo to maintain his privacy on campus — was interning at Google last summer and living in the cheapest corporate housing offered: two bedrooms and four people for about $65 a night (roughly $2,000 a month), he told Business Insider.

"I realized I was paying an exorbitant amount of money for the apartment I was staying in — and I was almost never home," he says. "It's really hard to justify throwing that kind of money away. You're essentially burning it — you're not putting equity in anything and you're not building it up for a future — and that was really hard for me to reconcile."

SEE ALSO: To avoid outlandish rent prices, one San Francisco woman moved onto a 136-square-foot sailboat

He started laying the groundwork for living out of a truck immediately, as he knew he'd be returning to work full time in San Francisco. A school year later, he was purchasing a 16-foot 2006 Ford with 157,000 miles on it.

It cost him an even $10,000, which he paid up front with his signing bonus. His projected "break-even point" is October 21, according to the live-updating "savings clock" he created on his blog, "Thoughts from Inside the Box."

His one fixed cost is truck insurance — $121 a month — as he doesn't use electricity, and his phone bill is handled by Google.

"I don't actually own anything that needs to be plugged in," he explains on his blog. "The truck has a few built-in overhead lights, and I have a motion-sensitive battery-powered lamp I use at night. I have a small battery pack that I charge up at work every few days, and I use that to charge my headphones and cellphone at night. My work laptop will last the night on a charge, and then I charge it at work."

The space is sparse and minimal, he says: "The main things that I have are a bed, a dresser, and I built a coat rack to hang up my clothes. Besides that, and a few stuffed animals, there's pretty much nothing in there."

As for food and showers, that's all on Google's campus. He eats breakfast, lunch, and dinner at work and showers every morning in the corporate gym post-workout.

Few expenses mean significant savings: "I'm going for a target of saving about 90% of my after-tax income, and throwing that in student loans and investments," he says.

He graduated with $22,434 worth of student loans, and has paid it down to $16,449 over the course of four months. "As a conservative estimate (and taking bonuses into consideration), I expect to have them paid off within the next six months, saving thousands of dollars over the standard 10-year, or even 20-year plans," he says.

Additionally, saving on rent has allowed him to dine at nice restaurants and enjoy San Francisco more than if he opted for living in an apartment.

See the rest of the story at Business Insider

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Simple science-backed steps to finding your purpose in life


yoga outside

Do you wake up each morning with a sense of determination to start the day, as if every day held a clear purpose for you and you alone?

Researchers have found that people who feel as if they lead a meaningful life are generally less depressed, healthier, and live longer.

But it is not easy to find your one true purpose.

That's why the producers at Happify— a website and app that offers psychology-based games to increase your happiness — dived into the scientific literature to uncover what sorts of activities and traits people who lead meaningful lives had in common.

They combined these commonalities into this graphic so people who feel lost and a lacking in purpose can use these simple, science-backed steps to help them discover how to live a meaningful life:happify purpose final (1)

LEARN MORE: Surprising science-backed ways to boost your mood

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These are the 10 safest airlines in the world


Singapore Airlines Airbus A380

With 21 fatal accidents and 986 fatalities, 2014 was one of deadliest years in aviation history.

That said, flying is still one of the safest forms of transportation in the world. According to Australian consumer aviation website AirlineRatings.com, the airline industry transported 3.3 billion passengers on 27 million flights in 2014.

AirlineRatings.com released a list of the 10 safest airlines selected from a pool of 449 carriers around the world. To compile its list, the website evaluated each airline based on its standing with international regulators, its fatality record over the past 10 years, its result from an International Air Transportation Association(IATA) safety audit, and whether the airline's country of origin conforms with the International Civil Aviation Organization's 8-point safety parameter. All of the airlines on this list passed those tests with flying colors.

Interestingly, the carriers on the list hail exclusively from Asia, Australia, and Europe, with no carriers from the Americas and Africa making the cut. AirlineRatings.com didn't list the final finishing order for places 2-10, but did crown a winner.

Air New Zealand has made a fine recovery after a period of financial turmoil in the early 2000s. This renaissance culminated with AirlineRatings.com recently naming it the best airline in the world. Air New Zealand has not suffered any significant incidents in the past couple of decades.

Singapore Airlines is universally lauded for its high quality service and efficient operations. It is also Business Insider's pick for the best airline in the world. The Changi Airport-based carrier has been accident free since 2000.

Finnair: As Finland's national airline, Finnair doesn't get as much attention in the media as some of its Scandinavian counterparts. But don't discount the Helsinki-based carrier. It has one of the best safety records in the business and hasn't suffered any major accidents since the 1960s.

See the rest of the story at Business Insider

The grooming product every man should throw in the trash

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